text:
Cryptocurrency Collateralized Debt Positions Are Growing in Popularity
Hodium Presents a Compelling Opportunity for Outsized Investment Returns
KaratGold Proves Its Business Model By Providing Official Documents
ICTE May Bring About Sweeping Changes for Cryptocurrency Exchanges
SonicX and Dash Could Challenge Facebook's Libra for Global Payments Market Share
Stepping off the rollercoaster: Why I've fallen out of love with Bitcoin
Behold The Cryptopreneurs – Overcoming The Obstacles Facing The Blockchain Industry
Will the Launch of Binance Chain Knock Ethereum's Price Down?
Is Ethereum (ETH) a Worthy Investment?
Can ETH Reach The $200 Mark?
Cryptocurrency Analysis: Tron (TRX), Ethereum (ETH) and Bitcoin Cash (BCH)
MGO Token Could Surge After New Payment API Release
TRON (TRX) Is Likely to Go Big in June
Why Binance May Be Crucial for Tron (Trx) to Reach $1
Why Tron (TRX) Price Won't Remain Low for Long
Justin Sun Bullish On TRX and BTT
TRON (TRX) Blockchain Threatened by a Lone PC
XRP Continues to Struggle Despite the Bullish Market
XRP Third on the Charts but Still No Idea on Future
Can XRP Break Out of the Falling Wedge?
XRP Price Prediction: Can XRP Finally Rise?
Top 3 Cryptos to Serve as an Alternative to Bitcoin
Ripple's XRP has been making noise lately. Ripple's technology (not the currency in all cases) has been adopted by seventy-five of the world's largest banks, remittance...


text:
'Fresh demand for 2.8 mn homes in 2013-17 seen in 8 cities'
"The total new housing demand across India will be nearly 12 million units in the next five years (2013-17). This is based on the estimated growth of population across India," C&W said in a statement.
The top 8 cities will constitute about 23 percent out of the total demand. These cities are National Capital region (NCR), Mumbai, Kolkata, Chennai, Hyderabad, Bangalore, Pune and Ahmedabad.
"Of the total demand in top eight cities, middle income group (MIG) and higher income group (HIG) categories constitute majority of the demand at 2.5 million units," the consultant said.
The demand for lower income group (LIG) will be a mere 3,00,000 units in these 8 cities, due to expected increase in the housing and income standards in these key economic centres. The gap between cumulative supply and demand in HIG and MIG segments during 2013-2017 is estimated to be about 45 percent in the top eight cities.
The supply of housing units in MIG and HIG during 2013?17 is expected to be around 1.4 million units in the top 8 cities and of this nearly 1 million units would be in MIG category and only about 4 lakh units will be in the HIG category.
"The gap between fresh demand and supply is expected to see an incremental expansion as supply will fall short on account of economic, regulatory and political scenario," C&W Executive Managing Director (South Asia) Sanjay Dutt said.
However, he noted that some of the demand in the next couple of years can be met through the existing vacant stock.
"While demand for housing units will grow proportionate to the rise in population, supply is expected to be less aggressive in the short to medium term," Dutt said.
The new regulations like land acquisition bill and real estate regulatory bill which are expected to come into force in the next few quarters will stagger supply, he added.
In the NCR, the consultant has projected the demand and supply in HIG and MIG categories during the next five years at 7,77,917 units and 6,06,274 units, respectively.

subset: commoncrawl


text:
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text:
Young people face a cruel irony. Most can't land a decent job without a college education, yet many graduates are locked into poorly paying positions that don't permit repayment of student loans.
For two generations, college price tags have risen much faster than inflation and families' ability to pay. More importantly, costs have leaped faster than what graduates can earn over working lifetimes, and many diplomas do not offer a positive return on investment, as measured by graduates' ability to service their debt.
Working professionals, including some lawyers, are moving in with older relatives — they simply can't pay both rent and student loans.
Many never get out of debt. About 17 percent of delinquent student loans are owed by folks over the age of 50, and Americans over 60 still owe $36 billion in unpaid loans. Too frequently, Social Security checks are garnished, and debt collectors are harassing borrowers in their 80s.
Employers may be partially to blame. It was commonplace in the 1950s and '60s for jobs as diverse as copy editors and reporters at newspapers, retail store buyers and managers, insurance adjusters, and laboratory technicians to have only a high school education and some employer training.
Now, despite the fact that employers must often still train new hires, they require some college or even a diploma. Requiring some higher education may be an easy way of screening an applicant's native intelligence, but many jobs simply don't pay enough for students to repay six figure debts in a decade or so.
K-12 public education is partially to blame. During the late 1960s, a sense emerged that the performance of high schools had declined — judging from the reasoning, English and math skills of college freshman, employers were probably right.
A few years of college became a proxy for employers that young applicants had what a decent high school diploma should have guaranteed but no longer did — the ability to do more than read and add sums, but also reason and string together four grammatically correct sentences into a coherent idea.
With half of the population headed to college, universities churned out too many graduates with little more than a general education — the ability to think critically, write a composition and read poetry. Most college majors don't prepare graduates for much.
In recent decades, states cut aid to higher education when tax revenues dipped during recessions but did not adequately restore those when times got better. Consequently, community colleges, where some of the best, cost-efficient technical training is offered, and some universities cut more-expensive programs in engineering, nursing and the like. Too many students are herded into liberal studies of some kind.
What students do in college really matters. A worker with a bachelor's degree in petroleum engineering earns about $120,000 while a degree in counseling psychology fetches just $29,000. Even business degrees differ dramatically in value — finance, accounting and supply chain majors are worth a lot more than general business and human resources management graduates.
Sadly, many incoming students often don't want to take the tough majors — engineering programs are stuffed with foreign students — but that problem goes back to the high schools.
Growing up in the New York State public schools — back before the discovery of the computer chip — I studied Iroquois culture, early 20th Century child labor problems and Governor Al Smith's reforms, but we also wrote essays about Thomas Edison and the Wright Brothers.
Now, students read Maya Angelou, get a steady portion of liberal theology about the exploitative history of white European culture and are encouraged to find themselves, instead of learning something useful.
No surprise that many students come to universities only to enjoy intellectually pleasing but practically useless programs and end up lost in poorly paying jobs and adrift in a sea of debt.
Peter Morici is a economist and professor at the University of Maryland Smith School of Business, and a widely published columnist. His email is email@example.com. Twitter: @pmorici1.


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|Jepson Flora Project: Jepson Interchange
previous taxon |
next taxon
Jepson Interchange (more information)
©Copyright 1993 by the Regents of the University of California
Annual to tree
Leaves generally compound, alternate, stipuled; leaflets generally entire
Inflorescence: generally raceme, spike, umbel or head; flowers sometime 12 in axils
Flowers generally bisexual, generally bilateral; hypanthium generally flat or cup-like; sepals generally 5, fused; petals generally 5, free, or the 2 lower ± fused; stamens 1many, often 10 with 9 filaments at least partly fused, 1 (uppermost) free; pistil 1, ovary superior, generally 1-chambered, ovules 1many, style, stigma 1
Fruit: legume, sometimes including a stalk-like base above receptacle, dehiscent, or indehiscent and breaking into 1-seeded segments, or indehiscent, 1-seeded, and achene-like
Seeds 1several, often ± reniform, generally hard, smooth
Genera in family: ± 650 genera, 18,000 species: worldwide; with grasses, requisite in agriculture and most natural ecosystems. Many cultivated, most importantly Arachis , peanut; Glycine , soybean; Phaseolus , beans; Medicago ; Trifolium ; and many orns
Reference: [Polhill & Raven (eds) 1981 Advances in legume systematics; Allen & Allen 1981 Leguminosae]
Family description and key to genera by Duane Isely.
Annual to shrubs; cotyledons generally petioled, withering early
Stem generally erect
Leaves palmately compound in CA, generally cauline; stipules fused to petiole; leaflets 317, generally oblanceolate, entire
Inflorescence: raceme; flowers spiraled or whorled; bracts generally deciduous
Flower: calyx 2-lipped, lobes entire or toothed, generally appendaged between lobes; banner centrally grooved, sides reflexed, wing tips slightly fused, keel generally pointed; stamens 10, filaments fused, 5 long with short anthers, 5 short with long anthers; style brushy
Fruit dehiscent, generally oblong
Seeds 212, generally smooth
Species in genus: ± 200 species: especially w North America, w South America to e US, also tropical South America, Medit
Etymology: (Latin: wolf, from mistaken idea that plants rob soil of nutrients)
Some cultivated for fodder, green manure, edible seed, ornamental; some naturalized from CA in e North America, South America, Australia, s Africa;
some (e.g. L. arboreus, L. latifolius, L. leucophyllus ) have alkaloids (especially in seeds, fruits, young herbage) TOXIC to livestock (especially sheep)
Reference: [Barneby 1989 Intermountain Flora 3(B):237267]
Infl length does not include peduncle
Horticultural information: Many lupine taxa need seed pre-treatment (scarification, stratification, inoculation) for successful germination.
Annual 18 dm, sparsely to densely hairy; cotyledons disk-like, persistent, or leaving a circular scar
Leaf: petiole 315 cm; leaflets 511, generally 9, 1050 mm, 212 mm wide, sometimes linear, upper surface glabrous
Inflorescence 230 cm; peduncle 230 cm; bracts 3.512 mm, reflexed, persistent; pedicels 0.55 mm
Flower 818 mm; calyx upper lip 26 mm, lower lip 510 mm, appendages generally 0; petals white to dark yellow, pink to dark rose, or lavender to purple, wings generally ciliate on upper (less often lower) margins near claw, upper keel margins ciliate, lower keel margins less so or glabrous near claw
Fruit 11.5 cm, ± 10 mm wide, ovoid, hairy, erect to spreading, often on 1 side of inflorescence axis
Seeds 2, tan to brown, generally mottled, wrinkled or smooth
Chromosomes: 2n=48
Ecology: Abundant. Open or disturbed areas, sometimes seeded on roadbanks
Elevation: < 1600 m.
Bioregional distribution: California Floristic Province, Modoc Plateau, w Mojave Desert
Distribution outside California: to British Columbia, Baja California, S.America
Highly variable; vars. intergrade.
Inflorescence: bracts (and calyx) long-shaggy-hairy
Flower: calyx appendages generally 0; petals generally pink to purple (yellowish or white), wings linear to lanceolate, withering, upper (and rarely lower) margins generally ciliate near claw, lower keel margins generally glabrous near claw
Fruit ± erect, generally not on 1 side of inflorescence axis
Ecology: Habitats and range of sp
Bioregional distribution: California Floristic Province, Modoc Plateau, w Mojave Desert
Flowering time: AprJun
Synonyms: L. subvexus C.P. Sm. (including vars.); L. ruber A. Heller; L. densiflorus Benth. vars. austrocollium C.P. Sm., palustris (Kellogg) C.P. Sm. (as used by Munz), and persecundus C.P. Sm
Horticultural information: SUN: 3, 4, 5, 6, 7, 8, 9, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24.


text:
April 14, 2012 New Technical difficulties
Noroomforhipsters.com is having technical difficulties. We will be using our old blog's domain at noroomforhipsters.wordpress.com until we get it fixed. Thanks.
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June 14, 2011 we've moved
If you've reached this page, try noroomforhipsters.com.
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June 9, 2011 arthur alligood at the mason jar
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- Posted under mason jar
June 6, 2011 an old north knoxville utopia, the consumption, and why i grow tomatoes
My brother gave me a 55 gallon drum last summer. He made an excellent compost bin with one, it hangs sideways between two posts and spins so you don't have to stir, then dumps right into a wheel barrel. I'm making a rain barrel out of mine. To do that, it took me a year to break down and install gutters. That's what I did this past weekend. Today I'm building an outdoor kitchen sink to run from the back side of the barrel. It's similar to what some friends have in Mexico.
So far this spring, my house projects have mostly involved twisting the monkey off my back: the utility company. We've put up a laundry line, built window screens, hung screen doors, and now we've got this waterworks system. The utility meter reader guy came by Friday while I was on the ladder. I said, "Suck it, man."
No, of course I didn't.
We've spent $551 since June of last year on utilities. It's depressing how many CDs one has to sell to come up with that number (I don't think I ever have). Cutting wastewater will help the cost. It's really the ugliest one, tucked in there on top of the water bill. They charge you to bring it, charge you to take it. No matter if you drank some or poured it on a flower.
Last winter we were very cold, and in the summer we lit the house with lightning bugs. We're working on improvements. On Grace Acres Farm in Virginia, transitioning from Harlem, every morning we opened the chicken coup, fed the goats, watered the cows, and tended the large garden. My in-laws were on a motorcycle trip cross-country and knew Ashley and I could use a farmhouse in our life. After the inner city lollypop adventure.
I found Rebekah's copy of Thoreau's Walden and came to his illustration of the Indian basket maker. It resonated. Thoreau says, and I paraphrase:
"the Indian basket maker, who believed that crafting beautiful baskets was his greatest life ambition, decided that if he could not sell enough baskets to make a living, he would busy himself by creating a different style of living that did not require he sell as many of them."
In the basement of the house at Grace Acres I recorded "New York City Spanks Levon Walker." It was very fresh on my mind. Maybe I've sold 100. It was on iTunes for a year and actually lost money. I was very disappointed with that.
There is always the problem of sustenance when you busy yourself with making something, and less with the selling. Songwriting is my craft, and I get a little sad when I have a new one and think forward to the people in a bar who I'm going to scream it into their collars.
If it made any sense, I'd live on this little piece of land and work the ground. In the evenings, I'd sing to it. In the mornings I'd write my blogs, or maybe a novel. Ashley could paint what she wants. Our kid could run around the yard and I'd have a camera nearby for when he/she did something astonishing.
To complete this utopia, I'd likely go away to work as a longshoreman in the South or on journalistic assignment to the U.S. border of Mexico. Then we'd have the cash on hand to pay for government deficit spending, student debt, insurance, and other pretty little baskets like Netflix.
I was finished there for the day, but now I'm not. My trouble with sales needs working out.
Trade can be a genuine exchange like buying tomatoes and eggs at the farmers market. Or it is like buying a product in its devised cycle from a manufacturer who has already planned a replacement, and buying it with a credit card to get the bonus points, and maybe tacking on a few more large ticket items to jump into a higher rebate category. I get the sweats about discussing my AT&T contract. The bank wants to start a "relationship." They used to call consumption the "con" and it would kill you.
At one time I listened to Zig Ziglar incessantly. I was in financial services sales then and I needed a motivational talk for every appointment. Ziglar says, in so many words, that the salesman is the catalyst for the american way. He said this a long time ago, way before credit crisis was the american way, and he also talked as much about integrity as he did sales. I'm a Zig Ziglar fan, but somewhere I became extremely bitter towards selling. Probably all the stood up appointments, cancelled contracts, and pressure during the banking crisis to sell our way out of ruin (due to previous overselling). I starved in my suit and tie, it didn't seem so scary to hang it up. I have tomatoes now, too.
I sold less than 100 CDs in a year because I feel so dumb asking for money for them. People have to insist, and insist at least twice. Am I fast talking someone's inheritance into my IRA plan? No. Those CDs carry lifeblood. To say that they go for 5 bucks feels a little ridiculous, it's more than a money issue. I've given away well over 1000. They are the manifestation of my gift, and a gift is not for sale. Well maybe it has to be, but I'm very bashful about it. It's my paradox, and I'm going to start writing pop songs. Those can be for sale, but not very good at sales and that's why I grow tomatoes.
That was my explanation behind the 2010 EP "Not sure how I'll eat but I'm not picking peaches." My new one is underway, "Hope for the things seen and unseen." It has my best songs ever written and I'll slip you one soon.
Tags: 55 gallon drum, american way, banking crisis, compost bin, con, consumption, credit crisis, hope for the seen and unseen, indian basket maker, installing rain gutters, kub, longshoreman, netflix, new york city spanks levon walker, not sure how Ill eat but im not picking peaches, rain barrel, thoreau, us border of mexico, utility meter reader, zig ziglar
June 2, 2011 how did you find me?
I think it's time for another installment of curious google search engine terms that led the helpless to our den. Most common, "fellini kroger." We are the leading source for such news, I'm led to guess.
"does Suttree die?"
"uncle peter clock sound"
"stop sign cake"
"is harlem the new hipsterville?"
"lichen beetles"
"hipsters in jelly jars"
"what does mexico put in hamburguesas?"
"bill evans scuba"
"girdle discipline"
"my photos turn out bad"
"صور سيارات ايسوزو روديو"
"organic gobstoppers"
"waffle house all the way hashbrowns means?"
"emergency exit hipster shoes"
"i am embarrassed of hipsters"
"someone should bring back the googlie spring eye glasses look. hipsters, i'm looking at you."
"is neptune a hispter planet"
"celebrate in mexico mango mango"
"if your grandma had balls"
"pictures of varmints"
Thats fun. No matter if you meant to, we're glad you came by.
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text:
New Alliance Makes Nascar's Dale Earnhardt Jr. A Coal Miner's Driver
By Barry Janoff
August 1, 2012: Dale Earnhardt, Jr. is widely known for his feats on the track. Now, he may also be known as the spokesman for the American Coalition for Clean Coal Electricity.
The ACCCE has signed a deal to sponsor Earnhardt Jr. and his JR Motorsports Nascar team. The alliance, the first Nascar deal for the organization, will be supported by a multi-media national campaign starring the iconic race car driver.
Earnhardt, who earns about $24 million from endorsements, also has deals with PepsiCo's Diet Mountain Dew, Wrangler, AMP Energy drink, Nationwide, TaxSlayer.com, Hellmann's, Degree for Men, Go Daddy, the National Guard and Chevrolet.
Washington, D.C.-based ACCCE is a non-profit, non-partisan partnership of companies involved in producing electricity from coal. The campaign will help foster "energy policies that balance coal's vital role in meeting our country's growing need for affordable and reliable electricity with the need to protect the environment. ACCCE said it also "advocates for the development and deployment of advanced clean coal technologies that will produce electricity with near-zero emissions."
In the marketing effort, which includes TV, radio and Internet, Earnhardt explains, "Most people think of me as a race car driver. But I'm also a business owner. In my company, the cars run on gas, but the business runs on electricity. That's why I have been learning about how coal keeps electricity prices down, and that keeps the lights on and people working, which keeps companies like mine out in front." (See the full spot here.)
Marketing then directs people to visit a dedicated Web site to learn more about "clean coal."
As part of the alliance, JR Motorsports cars feature ACCCE logos, and members of the race team will work with ACCCE to "inform and educate Americans about the importance of coal and clean coal technology."
According to Evan Tracey, vp-communications for ACCCE, "America's families and business rely on affordable and reliable coal. These new ads will draw America's attention to coal's importance as a domestic energy source to power our economy – from manufacturing to motor sports and everything in between."


text:
BSpreng necesitaba un nuevo diseño de logotipo y lanzó un concurso de diseño en 99designs.
Un ganador ha sido elegido entre 134 diseños de 30 diseñadores freelance.
We offer installation and phased integration of practice management software and digital technologies, including intra-oral cameras, Digital X-rays, Computed Radiography and chartless technologies, to accommodate the doctor's budget and comfort.
In addition, we install systems for mounting computer monitors, back-up systems, computer security devices, as well as televisions in the reception and treatment area for patient viewing and education.
We offer phased integration planning to accommodate not only the doctor's budget, but their comfort level as well. Each step in the process is considered and implemented with preparation for growth. Our systems are configured specifically to work with the solution that best fits the technology direction the office chooses to take
Dental Offices, clinics
Brief Summary
Dear all Designers,
- Logo will be used as main trademark for future website, business cards, and stationary
- Logo should be a "vector" graphic
- Logo should be provided as a Illustrator or Photoshop file.
- Logo should be constructed of 3 PARTS: (1) Symbol, (2) Word mark "DMT" and (3) Tagline "Dental Medical Technologies"
- Logo should be submitted in 02 forms: (1) Full with all 3 parts and (2) Only Symbol + Word mark (without Tagline)
- Logo should be created for a dark background as well as one for light/white background.
Brand Name
- DMT means "Dental Medical Technologies"
- For your reference of dental technologies and medical technologies, please visit:
- The logo should be constructed of 03 parts: (1) Symbol, (2) Word mark "DMT" and (3) Tagline "Dental Medical Technologies"
- The logo can be used with or without tagline
- Major color: Open to any combination
- Looking for a "medical meets technology" type of logo
- The logo should be modern look
Descubre cómo funciona un concurso de diseño u obtén más información sobre nuestros servicios de diseño de logo.


text:
Rafidah Jumal's career kicked off when she received a Shell Malaysia Scholarship 18 years ago, giving her the opportunity to do a three-month internship at the company. The graduate interview shortly after led to her permanent employment and she hasn't looked back since.
She has worked as Management Accountant in Malaysia Downstream, Finance Manager at the Gas to Liquids plant (Shell middle distillate synthesis) and Liquefied Petroleum Gas (LPG) Finance Manager for Malaysia and Singapore before taking on a Project Manager System Implementation role.
She also spent a few years in London and The Hague, working in Group Reporting before returning to Malaysia to join Retail as Cluster Finance Manager, covering Malaysia, Singapore and Hong Kong. In her current role, Cluster Finance Manager, South East Asia – Global Commercial, she oversees more than seven countries.
For Rafidah, it's all about the people and their passion for what they do. "You get such a great mix of diverse talents, cultures, backgrounds and innovative ideas. Passionate people have vision, tenacity and a need to explore new things. Couple this with Shell's business principles of honesty, integrity and respect for people and the environment, and you've got a winning combination. I also love that the company prioritises safety as much as it does – it ensures we all go home to our families at the end of the day," she explains.
"Family is so important. I've learnt my most valuable leadership skills from being a mother and a wife – compassion, humility, authenticity and the ability to truly listen to people, help me to be a better manager," she shares. "If life at home is out of balance, it will ultimately spill over into your work."


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National Geophysical Data Center, NESDIS, NOAA, U.S. Department of Commerce
Service Provider DescriptionDescription:
The National Geophysical Data Center (NGDC) combines, in a single data center, the fields of seismology, geomagnetism, marine geology and geophysics, solar phenomena, the ionosphere, and snow and ice. NGDC collects, organizes, archives, publishes, and disseminates solid earth, solar-terrestrial physics and snow and ice data from worldwide sources. NGDC also operates the World Data Center A-Solid Earth Geophysics, the World Data Center A-Solar-Terrestrial Physics, and the World Data Center A for Marine Geology and Geophysics, and the World Data Center A-Glaciology (Snow and Ice). NGDC also contracts through the University of Colorado to handle data services for the National Snow and Ice Data Center (NSIDC).
Accelerograms, digitized strong-motion data, and historical file of earthquake epicenter data and tsunami occurrences are also part of the Center's holdings. Geomagnetic data consist primarily of worldwide geomagnetic, and aeromagnetic survey measurements, observatory magnetograms, digital values of various sample ratings, and indexes of magnetic activity. Holdings include about one million magnetograms which accumulate at a rate of 50,000 per year, most held on 35-millimeter microfilm, and hundreds of magnetic tapes containing digital data derived from magnetograms and survey measurements. The file maintained by the Center's Solar-Terrestrial Data Service Division now contains more than 12 million feet of ionogram film, 800,000 feet of all-sky camera film, 3 million sheets of graphical and numerical data, and additional information on magnetic tape received from NOAA and NOAA-supported stations as well as several hundred cooperating institutions. The National Snow and Ice Data Center holds data on all forms of snow and ice: one million transparencies and negatives of DMSP imagery; 400 computer-compatible magnetic tapes containing sea ice, snow cover, lake ice and ice core data; 200 microfiche and films reels of lake ice, climatological and snow cover data; 10,000 historical glacier photos, a 39-megabyte online database indexing the 20,000-document Information Center Collection, and an 19-megabyte Glacier Photo Index online database. The Marine Geology and Geophysics holdings include 10.2 million track miles of underway geophysical data, 35.5 million National Ocean Survey hydrographic records, and information on 132,000 ocean bottom geologic core samples and geochemical analyses of over 5100 marine mineral samples. System Contact:
Ordering / Price Policy: Services are available without restrictions. Working visits by US and foreign scientists to the Center are encouraged; facilities will be provided upon advance notice. NGDC staff is available for consultation and discussion in all relevant disciplines. Copies of primary data and data products are available to users on an exchange basis or at cost of the service. Contributors of data to NGSDC and its associated World Data Centers are entitled to an equivalent amount of data without charge.


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June 2016
Senior executives were surveyed from 450 large hedge funds and institutions, revealing 3 perspectives on portfolio management and alternative investing trends. Part 1.
The last few years have been interesting times indeed for institutional investors. Many, such as insurance companies, have faced increased regulation with higher capital adequacy ratios, and all have grappled with lower returns from more traditional investments as the low interest rate environment has persisted at a time of slow global growth.
Public markets have been subject to violent swings and oil prices have risen sharply only to fall back again to levels last seen a decade ago. Generating returns in such an environment is challenging and requires investors to consider three main avenues for achieving good outcomes for their portfolios. First, using leverage to magnify returns; second, identifying (and getting comfortable with) increasing concentration in specific sectors or investment styles; and third, moving down the liquidity spectrum to consider investments with long time horizons.
The various investments that make up the alternative investment landscape offer opportunities for some or all of these three return-boosting strategies, and that helps explain why alternatives are gaining ground in institutional portfolios, often at the expense of more traditional asset classes.
As our study shows, appetite for alternatives is set to rise further over the coming years. This is the result of strong returns generated by alternative strategies, both on an absolute and relative basis. However, our study also demonstrates that, despite the increasing flows of capital to alternative assets, fund managers have to adapt and innovate to attract a share of this. Investors may be keen on alternatives, but they are increasingly discerning about where and how they deploy their capital. Importantly, they are also acutely aware of the erosive effect of fees on their returns, which is exerting pressure on the traditional 2 and 20 model that alternative investment fund managers have become accustomed to.
These trends are leading to wide-ranging changes in the alternatives space, from the development of new products and structures such as managed and separate accounts, liquid alternatives in the hedge fund space and the rise of co-investments in private equity. We are also seeing a bifurcation between larger players that are seeking to offer investors a range of alternative strategies under one roof and those that are carving out a niche for themselves to specialize in a particular area or strategy.
The upshot, for investors, is an increasing array of choices in what was once a small corner of the investment landscape and is steadily becoming an integral part of the institutional portfolio. The alternative investment asset class is maturing – and it's maturing fast.
As alternative asset classes rise up the allocation agenda, we investigate the current climate and look to the future.
"Hedge funds will offer decent returns for the significant risks taken as long as the issues of interest alignment, less liquidity and higher fees are addressed."U.S.-based Chief Investment Officer
Private equity has the largest share of exposure among institutional investors. We reveal investor attitudes to PE and what the future holds for the asset class.
We explore investor attitudes to hedge funds and what the future holds for the asset class.
The Hedge Fund Perspective (PDF - 1.5 MB)
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The material contained in this document, which may be considered advertising, is for general information and reference purposes only and is not intended to provide legal, tax, accounting, investment, financial or other professional advice on any matter, and is not to be used as such. Information contained in this document obtained from third party sources has not been independently verified by BNY Mellon, which does not guarantee the completeness or accuracy of such information. The contents may not be comprehensive or up-to-date, and BNY Mellon will not be responsible for updating any information contained within this document. If distributed in the UK or EMEA, this document is a financial promotion.
This document and the statements contained herein, are not an offer or solicitation to buy or sell any products (including financial products) or services or to participate in any particular strategy mentioned and should not be construed as such. Investments in hedge and private equity funds and fund of hedge and private equity funds (collectively, "Funds") are speculative, include special risks and may be suitable only for certain investors. There can be no assurance that a Fund's investment objectives will be realized or that suitable investments may be identified. An investor could lose all or a substantial portion of his or her investment. BNY Mellon recommends that professional advice be obtained prior to using any product or service. Any performance, price or other data used for illustrative purposes may not reflect actual current conditions. Prior results do not guarantee a similar outcome. No representations or warranties are made, and BNY Mellon assumes no responsibility or liability whatsoever for any action taken in reliance on any information contained herein.
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© 2016 The Bank of New York Mellon Corporation. All rights reserved.


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PORT JERVIS — For three Orange County residents, spreading the word about suicide awareness keeps them busy all year round. They've made the prevention of teenage suicide their primary focus. That's because each of them experienced the loss of a young person and understands the pain all too well.
PORT JERVIS — For three Orange County residents, spreading the word about suicide awareness keeps them busy all year round. They've made the prevention of teenage suicide their primary focus. That's because each of them experienced the loss of a young person and understands the pain all too well.
The numbers are staggering: About 37,000 Americans take their own lives each year, and suicide is the third leading cause of death for those ages 15-24. That's why the group works closely with school districts.
When AnnMarie D'Aliso of Monroe spoke before a packed audience of 500 teenagers at Port Jervis High School last month, she saw children just slightly younger than her own. She lost her son Patrick to suicide in 2004. The sight of the young faces made her voice quiver.
"The reason I came out to speak is because I wish my son could sit where you're sitting and maybe it would have changed the outcome," she said.
John Luedke of Goshen spoke to the same crowd. He talked about his eldest brother, Walter, who jumped off the Tapann Zee Bridge when he was 19.
"It's been 29 years since he died, but it still affects me today," he said, as he fought back tears.
The group can tell if the kids are listening by watching for cues, particularly body language.
"Oh yeah, when they're listening, you can see their eyes and their posture change," said Sean Gerow, a director for the Family Empowerment Council and a certified suicide-prevention instructor. As the instructor in the group, Gerow supplies students with suicide stats and cites the commonly used suicide prevention catch phrase, "Suicide is a permanent solution to a temporary problem,"
For districts interested in suicide-prevention training, Gerow volunteers to teach a program in conjunction with Angela Jo Henze of the Orange County Mental Health Association. They've helped to train thousands of students and faculty members over the past year and a half.
As news of their work gets around, they're gearing up to get the word out to other parts of the mid-Hudson. "We've been spreading it all over the county and we'll go anywhere," said Gerow. The program, which is free to school districts, is called QPR (Question, Persuade, Refer).
After last year's tragedies, in which two teens in the Monroe-Woodbury area took their own lives and a third student attempted suicide, Gerow helped to train thousands in the school district about QPR.
"All of the programs through Sean and the county have been exceptional," said Monroe-Woodbury High School Principal David Bernsley. "We've been able to reach not only the students, but also the families."
Through her personal story as a suicide survivor, D'Aliso discussed some of the "red flags" and how they were missed in her son's case. "You have to listen with open ears and open eyes," she said. "It's not information for you to carry. It's for you to do something about it."
Luedke and D'Aliso each established separate support groups to assist families of suicide. There's no charge to have them speak to school assemblies.
"It's about a passion to make a difference and promoting hope," said Gerow.


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CroftgateUSA Products
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With waterless car wash and wax products 'no scratch formula', it is easy and safe to regularly wash your car without having to use any water. A waterless car wash and wax product leaves no white speckling or residue and gives a brilliant clean, with no streaks or water spotting.
Usually waterless car wash breaks down and then suspends dirt and grime. The pH balanced, non-detergent formula present in waterless car wash system won't strip off wax and is gentle on all painted finishes as well as rubber, vinyl and plastic components. The products effortlessly clean up mess, stains and odors from having food, pets or dirt in your car, plus leaves a fresh fragrance, so you can always feel comfortable being in the car. Various features of waterless car wash system include:
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Waterless car wash procedure involves certain handy tips:
- For best spray performance hold bottle as upright as possible.
- Wash your car in shade but if not possible, direct sun light is ok.
- Spray onto the surface and wipe in immediately.
- For best results use clean micro fiber towels.
- Change towels regularly and keep a couple extra handy.


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Paris two seater sofa pewter fabric
Paris two seater sofa pewter fabric
now £599
product code: 144256
product code: 144256
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Additional dimensionsHeight including back cushion 88cm : seat h45cm : leg h18cm : wrapped h55cm : w158cm : d98cmTechnical infoTo clean wipe with a dry cloth. Please ensure item will fit through doors and tight corridors before ordering. Side scatter cushion covers are removableAdd-onsFabric swatch code 145158AssemblyNo of Boxes1
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|1 of 3
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6 H A S K I N S & S E L LS April Who Owns the Goods? THE ROBERT MORRIS ASSOCIATES recently has called attention to a practice existing in certain industries which affects current position in balance sheets in accordance with the manner in which the matter is treated. The question raised is as follows: "For many years it has been the custom in several lines of industry to eliminate from the balance sheet on statement date, merchandise on hand but unpaid for, purchased and intended for next season's business. This custom has been particularly prevalent among shoe manufacturers and dry goods jobbers. Before credit men were sufficiently familiar with the practices in these industries to require information about such merchandise holdings, the complete facts were not always revealed. Now that the custom of handling new season's merchandise has become so well understood, credit men have required full particulars, and the information is furnished in some instances in a foot-note. Title to such merchandise unquestionably rests with the purchaser of the goods who has them in his possession, and who is, or at least should be, paying insurance on them. On the seller's balance sheet they appear as accounts receivable. A company's object in having the figures made up in this way is to have the balance sheet show a smaller debt and a better current ratio, and to attain this end they overlook the fact that it tends to make the credit man feel that his customer is attempting to influence his opinion by an unduly favorable arrangement of the financial facts. If the merchandise and the liability therefor, were included among the assets and liabilities, it would create greater confidence. "A practice in which the principle is somewhat similar to the above is found in the textile industry. Mills frequently buy machinery from the manufacturer, giving notes in payment running over a period of years. The manufacturer retains a lien on the machinery but it is installed in the mill, is in active use, and to all intents and purposes is the mill's property. The mill frequently, however, does not include in its balance sheet either the machinery as an asset or the offsetting liability for notes payable, but reports them in a foot-note. The pledged machinery and the secured liability unquestionably belong in the balance sheet. Omission so to include them creates the same unfavorable impression as in the case of the next season's merchandise of the shoe manufacturer or dry goods jobber. "Now the question is, how can the desired result best be brought about. Our suggestion would be to have the accountant or the bank, or maybe both, show the owners of the business how their balance sheet looks as it is set up on the bank's comparative statement form where the item is included on both sides. As it is now, the borrower brings the statement to his bank and has a very distinct impression that it is a good showing, properly proportioned, etc., whereas the bank analysis indicates an entirely different picture. There must be one right way of showing such an item and this we believe to be the method just indicated; therefore, the accountants and the banks should work toward the goal of showing the situation uniformly and in the right way." There can be but one right way, it seems, of handling an item such as the one in question. However, the right way depends upon the facts in each particular
Object Description
Who owns the goods?
Financial statements
Commercial products --Accounting
Haskins & Sells Bulletin, Vol. 14, no. 02 (1931 April), p. 6-8
|Originally published by: Haskins & Sells
|Deloitte Digital Collection
|Digital Publisher
|University of Mississippi Libraries. Accounting Collection
|Date-Digitally Created
|hs bulletin 14-2-p6


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The sun still shines in Europe's money-laundering hub
It isn't surprising to see Spain once again listed among the group of nations singled out by the US State Department as major money laundering centres. This dubious distinction was pegged in the department's annual International Narcotics Control Strategy Report, which was released March 3 in Washington. Spain is one of 63 countries and jurisdictions that the United States says are of "primary concern."


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Difference between revisions of "Toolchains"
(Linux4.be SDK not available anymore)
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* [[GCC]] The Linux/MIPS GCC page
* [[GCC]] The Linux/MIPS GCC page
* Bradley D. LaRonde: [http://laronde.org/~brad/mips/mips-cross-toolchain/ Building a Modern MIPS Cross-Toolchain for Linux]
* Bradley D. LaRonde: [http://laronde.org/~brad/mips/mips-cross-toolchain/ Building a Modern MIPS Cross-Toolchain for Linux]
Revision as of 17:44, 5 October 2005
A toolchain is a complete collection of compiler and binutils programs and can be run either as a cross-compiler, or native on the target (if performance allows).
MIPS Technologies UK maintains their own source tree for the toolchain components. SDE combines all necessary GNU tools, is infrequently resynchronized with mainstream GNU releases (which inevitably have bugs for less widely used architectures such as MIPS) and focuses on supporting the full range of ISAs, ASEs and cores, as well as providing the most reliable, best-performing compiler for the largest range of MIPS CPUs. See MIPS SDE Installation.
Maciej W. Rozycki
A stable set of toolchain components provided by Maciej can be downloaded from ftp://ftp3.ds.pg.gda.pl/pub/macro/ or the mirror at ftp://ftp.rfc822.org/pub/mirror/ftp3.ds.pg.gda.pl/people/macro/. This is based on gcc 2.95.3 (patched) and up-to-date binutils.
Dan Kegel
Dan Kegel has a page at http://kegel.com/crosstool/ with a nice script to automatize the build procedure. Crosstool can only generate toolchains that use the GNU C Library, support for the smaller C Library http://www.uclibc.org uClibc might be added in the future.
H.J.Lu distributes a toolchain as part of his Red Hat 7.1 port. It can be found at ftp://ftp.linux-mips.org/pub/linux/mips/redhat/7.1/ . This toolchain-20020423-1.rpm is based on the RedHat's GCC 2.96, binutils 2.13 and glibc 2.2.5 .
uClibc Toolchain and Buildroot
uClibc developers provide tools to generate toolchains and root filesystems with the uClibc standard C library.
The Toolchain tool allows to generate a toolchain for a variety of architectures, including MIPS and MIPSel.
The Buildroot tool allows to generate both a toolchain and a root filesystem for a variety of architectures, including MIPS and MIPSel. Using a configuration tool (similar to the one used for the Linux Kernel), you can select compiler version, binutils version, and all softwares that should be included in the root filesystem. Then the Makefiles will automatically download, configure, compile, install and generate the toolchain and the root filesystem image.
The OpenEmbedded meta distribution also includes an automatic build of a full cross-toolchain for it's target architecture. http://www.openembedded.org
DENX Software Engineering provides the ELDK (Embedded Linux Development Kit), which includes both cross development and native tools for big and little endian MIPS processors (also for ARM and PowerPC). It can be downloaded for FREE. See http://www.denx.de/twiki/bin/view/DULG/ELDK
Commercial Toolchains
All commercial Linux/MIPS distributions come with appropriate toolchain deliverables.
A Quick and Dirty Cross-Compiling Toolchain
You're adverse to using someone else's toolchains, and are like me and cannot remember the commands to build a toolchain yourself no matter how hard you try, here is a rough procedure as to how to build a minimal toolchain with binutils-2.16.1 and gcc-3.4.4. This is assuming your buildhost is i386-linux.
1. Download the binutils and gcc sources from http://www.gnu.org
2. Create the directory where you want to store your toolchain. I recommend /opt/cross.
3. Extract binutils-2.16.1 and cd to the directory where it was extracted to
4. Run the following command to configure and make binutils:
./configure --target=mips64-unknown-linux-gnu --host=i386-unknown-linux-gnu --prefix=/opt/cross --enable-shared --enable-64-bit-bfd && make
5. Run make install to install binutils to /opt/cross
6. Now extract gcc-3.4.4 and run the following command to configure and make it:
AR=mips64-unknown-linux-gnu-ar RANLIB=mips64-unknown-linux-gnu-ranlib ./configure --prefix=/opt/cross --target=mips64-unknown-linux-gnu --host=i386-unknown-linux-gnu --with-newlib --disable-shared --disable-threads --enable-languages=c && make
7. Run make install to install gcc to /opt/cross
Now, whenever you are going to use your cross compiling toolchain, append /opt/cross/bin to your path.
See also
- GCC The Linux/MIPS GCC page
- Bradley D. LaRonde: Building a Modern MIPS Cross-Toolchain for Linux
- MIPSABIHistory: A review of MIPS ABIs, old and new


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Derbyshire bounced back from their miserable Twenty20 campaign by thrashing Hampshire by 136 runs in the opening Group A game of the Royal London One-Day cup on a record-breaking day at Derby.
Centuries from Wes Durston and skipper Wayne Madsen carried Derbyshire to 340 for five, their highest one-day total against another first-class county, and although Hampshire started well, they collapsed to the spin of David Wainwright and were bowled out for 204 with 15.4 overs remaining.
Durston, who made his best one-day score of 134 from 129 balls, shared Derbyshire's highest third-wicket stand in limited-overs cricket of 222 in 36 overs with Madsen who scored 138 off 127 balls, his maiden one-day hundred.
Hampshire were going well, with Glenn Maxwell smashing four fours and two sixes, but his exit for 35 proved a turning point and although Michael Carberry made 55, Wainwright took four for 34 as Hampshire's last six wickets tumbled for 40.
Such an outcome looked a long way off after Hampshire's decision to put Derbyshire in appeared to be justified as Billy Godlestone and Scott Elstone went in the space of seven balls.
Godlestone was smartly caught low down at square leg when he turned Chris Wood off his hip and Matt Coles got some movement to knock out Elstone's off stump, but that was as good as it got for Hampshire for the next 46 overs.
Durston and Madsen played superbly but they were helped by some poor bowling which gave the batsmen too much width, and only some tigerish fielding denied Derbyshire an even bigger total.
Durston reached his 50 from 55 balls and the 100 stand came up in 18 overs as the pair moved through the gears, with Durston launching Liam Dawson over mid-wicket for the first six of the innings in the 25th over.
Neither player offered a chance although Durston was fortunate when he chipped Maxwell short of mid-off on 99, but that was the only luck he enjoyed as his century came up from 106 balls.
The 200 stand came up in 34 overs and although Durston was lbw trying to slog-sweep Will Smith, Madsen kept his foot firmly on the accelerator.
He reaching his century off 107 balls with a top-edged hook over the wicketkeeper for his 12th four and he lifted Sean Ervine over long-leg for six before top-edging to cover.
A target of 341 was a daunting one but Hampshire got off to a flier, with 50 coming from the first five overs before James Vince drove Tom Taylor to cover to give the seamer his first one-day wicket.
He was driven back over his head for six by Maxwell, who was threatening to take the game away from Derbyshire as the visitors raced to 101 at the end of the first powerplay.
But the decision to take the second straight away backfired as Maxwell was caught at cover reverse-sweeping Tony Palladino, who had Jimmy Adams caught at fine leg in his next over.
Only 14 came from those five overs and after Carberry swept Wainwright to deep square leg, the innings subsided leaving head coach Dale Benkenstein to concede: "That was a proper hiding, there were some basic things lacking.
"50 overs is a long stint and all round, I wasn't very happy. We didn't create enough pressure to break that partnership (between Durston and Madsen), although they played really well.
"And with the batting, over the last six to eight weeks we have made some poor decisions."
Despite the win, Derbyshire have no points after starting with a two-point penalty for a poor pitch last season.
But elite performance director Graeme Welch said: "We had a chat the other day and put a few things in place and we stuck to them for those first 10 overs when we were disappearing.
"It was great batting by Wes and the captain and then we came out and picked wickets up at regular intervals. Our lads played it really well."
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Open-Carry Push Has Texas in Its Sights
Publicity Over Recent Protests Complicates Gun-Rights Groups' Bid to Overturn State's Restrictions
Activists bringing rifles into Texas chain stores in recent weeks have put the state at the center of a national fight over "open-carry" laws, reinforcing many Americans' perception of the Lone Star State as a haven for gun rights.
In reality, Texas has one of the nation's more restrictive laws on the carrying of handguns—a policy that firearms-rights groups and state legislators are fighting to change. Those efforts, however, have been unsuccessful: Legislation in recent years proposing to allow people to carry...


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CHESTER - Somewhere between the squall of dust shrouding the River End of PPL Park and the lightning illuminating the stormy skies back-dropping the Commodore Barry Bridge, the realization became too profound to ignore.
At just about every turn, the Philadelphia Union of 2014 seem to be replicating the club's 2012 season, right down to the similarity of an hour-long lightning delay in a U.S. Open Cup match at home, a congruence that took a couple of players aback afterward when brought to their attention.
The mountain of evidence is becoming impossible to overlook. Both seasons featured sluggish starts necessitating coaching changes, scheduled identically almost to the June day. Both involved hiring from within, elevating an assistant to the top job on an interim basis. Both Union squads received a boost in form under the new boss.
And underpinning both transitions was a run to the U.S. Open Cup semifinals, the 2014 version of which was clinched Tuesday night in a commanding 2-0 win by the Union over New England. Even the Open Cup jaunts resemble one another - from the glut of home games, to the benefit of the New York Red Bulls losing to lower-division teams that the Union would later topple, right down to the weather-blighted fixture.
In a season of so much tumult, a season in which so little has gone according to the Union's preseason plans, at least another blueprint for the rest of the season has emerged: To hope that the rest of 2014 doesn't resemble the finish to 2012.
For all the positives that heralded John Hackworth's arrival before the interim tag was removed in August two summers ago, the 2012 season ultimately ended in disappointment. A seemingly endless flirtation with the playoff picture ensued through the fall, the Union finishing eighth and on the wrong side of the cut. The U.S. Open Cup ended on a down note, too, with the Union ousted by a Sporting Kansas City team - which they had thumped, 4-0, just weeks earlier - at PPL Park, 2-0.
At the very least, one part of the equation will be different for interim manager Jim Curtin: The Union know they will be headed on the road for the 2014 semifinal, visiting the winner of FC Dallas and NASL side Carolina Railhawks late Wednesday night.
It's possible that the key to salvaging the MLS season could lie in the Open Cup. For evidence, check the tapes. After the Union bowed out to SKC in 2012, the team bounced back three days later with a win at home over Montreal. But from the SKC loss July 11 through the end of September, the Union won just three times, authoring a 3-6-4 stretch that ultimately damned their playoff aspirations.
Putting the onus of league success on the Union's performance in the U.S. Open Cup might be a bit much to shoulder in the preparations, so it's a good thing that the Union are approaching the Open Cup with a driven mindset focused primarily on attaining club's first trophy.
'It's a tournament we take very seriously, and whenever you can get a trophy for the fanbase, I think you should take it seriously,' Amobi Okugo said. 'I think we've done that.'
Perhaps the most prominent common thread between the two era changes is the notion of competition. Both early-season squads - under Peter Nowak in 2012 and Hackworth this season - drastically underachieved. Both successors accomplished marked improvements in results by slightly shuffling the existing personnel.
Curtin alluded to the word 'competition' Tuesday and has emphasized the term in his training-pitch approach and his dealings with the media. The ability to ramp up healthy competition for minutes is also a vestige of 2012, and to the Union's benefit.
'I think that's natural,' Union captain Brian Carroll said. 'Anytime there's a change at the top like that, it's going to raise some eyebrows. It's going to put some fire underneath you, and it's certainly did that for us. To be honest, they've done a good job of having us refocused and finding ways to get us results.'
The next task is to find a way to prevent history from repeating itself … again.


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Another book I picked up in a charity shop. When a novelist of the stature of James Jones (author of the modern classic From Here to Eternity) writes a thriller, it is either going to be a cut above the other thrillers or it's going to be a pretentious flop. I looked at the back cover, skimmed through the first few pages. The early 70s, a Chicago / New York private dick on holiday on a Greek island – a holiday he didn't want, but which was paid for and he was pushed into by the American millionaire he had just completed a job for in Paris.
A hippy colony. Drug smuggling. A beautiful countess named Chantal who is no longer as young as she was. (What a ridiculous phrase.) The same age as Lobo, our hero, in fact. About forty. And a blonde Californian girl in her early twenties who has washed up here and summers among the hippies and winters in her own little rented room. Sweet Marie she is called, and she survives by diving and spearing grouper-fish which she sells to the local tavernas, and by sleeping with all and sundry,
Lobo sleeps with the countess and manages to resist Sweet Marie despite her teasing and her invitations. (Lovely scenes of them swimming underwater together and afterwards on the boat and on a beach.) She is too young for him. No, seriously. In his opinion, not hers. (Or mine.) But Lobo is a White Knight. He is violent – a warrior – but tender – a saviour – in the authentic tradition of Raymond Chandler's Mallory. Note the name, Mallory, the same as the medieval author of the Morte d'Arthur. And this one's name. Lobo. The wolf.
Which brings me right back to where I finished my post on River Marked. For Lobo, despite his heroism and fighting skills, is not an Alpha. He is an Omega! Listen to this:
It was my three months as a Chicago hero – 'PRIVATE EYE SHOOTS MAD DOG KILLER IN FLAMING GUN BATTLE' – that introduced me to my wife.
[…] And I couldn't stand it. [Being a hero, that is.] After Chicago, I always left a place for the right reasons morally, and the wrong reasons financially. […] Probably I should have given in to her and become a corporation lawyer then. […] Probably, I should have given up, and settled in, and become a stuffy whatcha-ma-call-it, living off other people's fat. Because being morally right didn't get me anything. People didn't admire you when they didn't know you were a failure by choice, for moral reasons. They didn't admire you even when they knew it. They thought you were a nut. Or a fool.
Lobo Davies is a good man in a world where goodness has gone out of fashion. And definitely a cut above most of the other private dicks.


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It happens to all of us at one point in time. We get into an automobile collision and need the best auto body shop in Berkeley Heights. Hopefully, it is not too bad and we are not seriously injured. But usually the car does not fare as well and comes away with significant damage.
What is the next step after your collision and you need an auto body shop?
Likely, after informing the insurance company you take your vehicle to one of their "approved" vendors.
Here is what happens next. You tell the insurance company what company you choose. By this time they have already taken phones of the car and know how extensive the damage is. If you need an expert to take a look, make sure you go to a repair shop in Berkeley Heights.
They have a computer system that gives them a printed estimate stating what the replacement parts and labor will be based upon a set hourly rate.
This statement is given to the body shop. It comes with a break down of what the labor and parts "should" be and the company has to usually be able to totally fix the car for that price.
5 Benefits of Wheel Alignments - Why to Get Your Wheels Aligned Regularly
Keep in mind that what is printed out represents the best case scenario and doesn't allow for items on the car that was missed or problems that come up.
Now here are some things to watch out for. a local auto body shop in Berkeley Heights is operating under very, very thin margins and the incentive to "cut corners" is huge. Getting an extra $300 off a job can really add up over the course of the month when you are talking about doing at least 3-5 vehicles every week.
Auto Body Shops and Custom Work
Replacement Parts in Auto Body Shops
Make sure the parts being used on your car are OEM parts. These are replacement auto body parts in Berkeley Heights are sent directly from the car manufacturers and are designed with the same specs as the vehicle came with.
Aftermarket parts can be significantly cheaper yet are not the same quality and make not hold up the same in the event of another accident.
No Realignment? Talk to Your Auto Repair Team!
The frame is usually somewhat bent when a car goes through an accident of any kind. It needs to be properly realigned. You need a serious all hands on deck auto body shop to take care of you here.
Unfortunately, because the money made off one car can be very little the propensity to skip this step is very high. Later down the road this will cause your car to not drive straight but at a tilt and your tires will wear prematurely. So if you need to brush up on some tire repair, ask your mechanic straight away.
Using Bondo (Fillers) Instead of Replacing the Part
Filling any damage in with bondo is not bad in itself. If you know what the auto body shop in Berkeley Heights is doing, they tell you, and this is what you are paying for then it is fine.
The problem comes in when you think you are getting a vehicle back that is 99.9% the same as before it was wrecked and it is not. Filling a damaged part in with filler rather than replacing the expensive part is a common tactic and you want to make sure it is not done on your vehicle.
5 Benefits of Wheel Alignments - Why to Get Your Wheels Aligned Regularly
All damaged parts should be replaced unless you are paying a lower price for the car to just be fixed (in the case you want the cheapest price and do not care about having a car exactly the same as before). Again, you should really speak to your best auto body shop nearest you!
Keep in mind that most auto body repair shops are honest and are surviving in a tough industry.
- Hey Youtubers, Donnie Smith here, and welcome to my videoseries on auto estimating.
This series, we're gonna talk about how to write estimates on cars, you know, cars that have been in a wreck or has got a dent.
How do you write an estimate? (screeching) (boom) So to kick this video off, I'm gonna start it with a quote.
It says "organization is what you do before you do something,so that when you do it, it is not all mixed up.
" So in this first lesson we're just gonna talk about estimates, what are estimates, supplements, how they're generated,who needs estimators, and kinda setting up yourestimating environment.
As an estimator, it'simportant to fully understand what all the purposes an estimate serves.
And it's also important to properly set up your estimating environment to become efficient at generatingthorough auto estimates.
And this also includes the ASE A1 Position thevehicle for inspection.
So what are estimates? I mean estimates, they'recalled different things, like a damage report, damage estimate, auto estimate, but they arebasically the same thing.
A damage estimate however, is more than just a sheet of paperlisting the total cost of the repairs.
An estimate is a contractor a mutual agreement between two people.
As with real estate,the owner and the buyer, they must agree on a price,and they sign the document, the contract and it's a mutual agreement, and a auto estimate, youknow, it's the same way.
There needs to be an agreement between the repair shop and the customer and the customer shouldsign that agreement to authorize the repairs.
Now one thing that the estimator needs to explain to the customer, and this is somethingthat's really misunderstood, is the estimate, it is just an estimate.
It could change, it'snot the final invoice.
A lot of things could factor into this.
Maybe there was some hidden damage.
Well, of course, they wouldneed to contact the customer and let 'em know, but it isgonna change the estimate total.
Maybe there was a price increase on parts, maybe that changed.
There's a lot of things that may make the finalinvoice a different price than the estimate was,and you as an estimator need to explain this tothe customer up front so they understand.
Any additional charges, you're gonna need to write a supplement.
The customer needs to understand this, and a lot of times you're dealing with insurance companies as well, and of course, they arefamiliar with the process.
And not only do you need to have good communication skills with the customer, you're also gonna have to work with the insurance, in many cases.
Not every job is an insurance job, but a big percentage of 'em are, so you need to be able to communicate well with the insurance company.
Now every insurance company,that's gonna be different, the way they do it.
Do you pick up a phone, call 'em, are you a direct repair show for 'em, that is gonna vary a lot.
But whatever procedure you do use, your shop, the insurance company, whatever relationship you have, it's gonna be your responsibility to make sure that the insurance company and the customer, that you communicate with them and they allknow what is going on.
Now the insurance companymay be paying for everything, everything except the deductible in some of these jobs, but keep in mind, the owner of the car,that is your customer.
That's the one that's gonna bring it back to you if they have problems, have another accidentor anything like that, so keep in mind that you'reworking for the customer, the car owner.
It's your responsibilityas the repair shop, to repair that car back to its pre-accidental condition.
So once everybody agreesto the supplements, the additional charges,the insurance company and the customer, now you can include these additional chargesinto the final invoice.
So there's different methodsfor writing estimates.
For a long time, Iremember whenever I started writing estimates, it was all by hand, using Mitchell manuals is what we used.
I'm sure there was other books as well, estimating guides, but we'd have to look up the car, then we'd have to look up the part, and we'd manually write all that in, write the price in, the labor for it, andthat took a lot of time.
Nowadays, they have computer estimates.
It's a lot faster, youput all the information into the computer, and it'smore of a point and click.
But even though they haveall the computers today, I still think it's important, if you're interested in estimating, I still think it's very important to learn to write one by hand.
Now the reason I say this is, you wanna understand the process cause a lot of the computer systems, they will deduct for overlap, for example.
They'll just automatically put that in.
Well you don't have to worry about it because it puts it in, but if you never understandthe process and why, you don't wanna look dumb to the customer.
Maybe the customer says "Well, what's this deduct for overlap?" You don't wanna just tell 'em.
"Ah, don't worry about it, the computer puts that in there.
I don't know what it is.
" You can honestly sitthere and explain to 'em, because you know the procedure and why it deducted for overlap.
And I think the better understanding of the procedures you have, the better estimator you're gonna be, the less un-includeditems you're gonna miss, and I think it's gonna make you a much better estimator, to understand the full process.
Now there is a sequence to estimating.
Most guides, like the Mitchell, the guides they have.
We use use CCC now, thecomputer system, CCC 1.
There is a sequence thatmost of these follow.
Now I don't know every system out there, but all the ones thatI use have a sequence, and it starts with the front bumper cover and ends with the rear bumper cover, so it starts from front to back.
So when you're writing an estimate, of course, you wanna startwith the front panels and move backwards, so youcan have the same sequence, so when you go to the computer, or if you're using an estimating guide, you can just follow that sequence, make it much easier forya, not flipping' around.
So follow that sequencefrom front to rear.
Now there's also anothersequence that it follows, and that's from outside to inside.
So for example, the front bumper cover, of course the bumpercover's on the outside, that's gonna be first.
Well, what's underneath that bumper cover? Well there's a impact absorber.
There's a reinforcement bar.
And it just kinda goes from outside to in for each part group.
So who needs estimators? Well, basically every repair shop.
Every body shop, dealershipthat repairs cars, they're gonna need an estimator and they need someone thatcan write the estimates, they can go talk to the customers, they can look at the car, and be able to writethe estimates for them, and also insurance companies, they also need a, theymay call 'em appraisers or estimators, they need people that will go and look at these cars and write the damage report for 'em.
Now smaller shops, you know, body shops, it may be the owner, itmight be the manager, the foreman that writes these estimates, but a lot of your larger shops, they have people just for estimating and some shops have multiple estimators.
And again, the title for this, it varies.
There is tons of them, customer advisor, a lot of dealerships and body shops call 'em different things, but it's basically someone that visits with the customer, you'reusually the first contact, that sees the customer, and you go and look at the car, andyou basically communicate with them for the entire process, from the time you write the estimate to take the keys and givethe keys back to 'em.
So it is very, veryimportant for this position if you're considering this as a career, it's very important to havevery good communication skills.
Now let's talk about settingup the work environment.
As with any workenvironment, it's important to be set up properly.
If you wanna be able to write estimates, generate estimates,thoroughly and efficiently, you need to be set up properly.
Now I remember when I usedto write a lot of estimates, I just wrote 'em out in the parking lot, and I'm sure there's still a lot of shops that do that, but if you have a stall set up for estimating, it's really gonna simplify the process and it's really gonna minimize the amount of supplements that you have.
And I think whenever inspecting a car, good lighting is very important and even if you have good lighting, or you're out in the parking lot, you know sunlight, that's good lighting, but there always are gonna be areas in these cars, maybe you gotta look up under the dash, or maybe you need to crawl up under the carand look at something, you really need aflashlight, a good flashlight to look at these things.
Because if you can't see inthose dark areas too good, it's really gonna be hardto determine what's wrong, and probably this is gonnalead to a supplement, once you tear it down, and that's something you wanna eliminate The less supplements, the better, which we'll talk about that more later.
And many times, the estimator's gonna need to inspect underneath the car.
Now if you have a stall set up, and you have a lift and everything, that works really good.
But not all shop estimatingstalls have that, but you do need to have a, nearby, in your stall, you need to have to have a jackand some jack stands, that if you do need to lift it up, that you can crawl under there to look at some suspension parts or something that may be damaged.
And it's also important to be well organized in your work area.
Be organized, clean, andprovide a easy workflow, to move cars in and out.
It'd take up a lot of time if you have to shuffle cars around, you pull a car in, you're in the middle of estimating it, you have to back it outto let another car out.
If possible, you don'twanna be in that situation, so have your stall setup to where you can pull a car in there and leave it, and it does not disturb the rest of the workflow with the rest of the shop.
And also stay organized.
You need to have the tools that you need.
You don't wanna haveto go through the shop, borrowing tools fromdifferent body techs in there.
Have the tools that you need.
You're gonna just need some basic tools, if you might have to do alittle bit of tear-down, but have your own tools set up in there, have your jack stands, your jack, for the things thatyou're gonna need to do.
Cause it's not gonnalook very professional if you're trying to write an estimate and you're running through the shop or going to grab a technician to come and jack the car up and all that.
So just be sure that you havethe things that you need, and make sure in your estimating area that everything has aplace, and that's it's in place when you're not using it.
So what tools do youneed in your work area? Well this is really gonna vary, depending on your shopand the shop's procedures and how they do write their estimates, it's gonna vary, but I'm gonna give you some common tools that most of you will have to use.
The estimator's gonna haveto take photos of the damage, photos to help others seewhat the estimate sees.
They need to tell a story.
Photos are documents to prove the extent of the damage to the customers and to the insurance company.
You need to take photosof the overall damage, just a big picture of what happened, but you also need to take photos of the individual parts that are damaged.
Now I've used iPhones, cell phones, they work good, but youknow Larry Montanez, he's a consultant, and he says you really need a better camera, a high-quality camera,one that can zoom in, especially like on someof your individual parts where you need a really good picture, he thinks probably youneed a higher-end camera.
And especially a lot of the repair shops working directly withthe insurance company, just from the photos, soit probably is a good idea to have a high-qualitycamera to take these photos.
And I remember whenever Iwas an insurance adjuster, we used to use a 35-millimeter cameras, and we'd take these pictures, and we would have to go get 'em developed, and that was pretty expensive.
I mean today, it is so simple.
You just take a picture,plug it into the computer, and there it is, and you can send it to the insurance company, the customer, or whoever.
And another good thingabout having a camera.
Most cameras, most cell phones, sometimes you may need to take a video.
I mean a video may tell the story better than just a still picture.
So most cell phones andcameras have the capability to take a quick video clipof what you're talking about, maybe you can point at something or talk about what you'retrying to point out, and sometimes that mightbe the easiest thing to do.
And of course, like I mentioned earlier, you need good lighting, and part of that, you're gonna need a flashlight because some of those places, I don't care how good the lighting is, you're gonna need a flashlight to see some of those dark areas.
Now you're gonna need some hand tools.
You're probably not gonna need a full, roll-around box like alot of your techs have, but just some basic tools, screwdrivers, wrenches,sockets, trim tools, just some of those basic things.
Maybe you need to take a bumper cover off or a door panel, just enough tools to get that off, justsome basic hand tools.
And you're just gonnaneed a paint mil gauge, and this just basically measures the paint to let you know are yougonna have to strip, partial strip, or you can youjust final sand and paint, because that's gonna determinethe cost of the estimate.
And it's also a good ideato have a body filler gauge or magnet to determine the area that you're gonna be working on, has it got prior damage or body filler, that may eliminates some problems that you could run into.
And you're gonna needsome measuring equipment, a tape measure and tram gauge, for sure, and there might be caseswhere you really need to put it on the frame machine, and get a computerized reading of the extent of the damage.
And you're gonna need a scan tool.
A lot of times with yourelectrical components, you don't know until you scan it, so you'll need a scan tool so that you can read the codes.
And you're gonna need estimating guides or a computerized system, so that you can get the parts prices, the labor times and all that, probably just about everybody has moved to computerized systems.
I know CCC 1, Mitchell,and there's others too, but you're gonna need something like that or there might still bea few shops out there that do use the estimating guide, smaller shops that don'tdo a lot of volume, they may use the estimating guides, but you're gonna need something that you can look up the car, get the price of the parts, and the labor time for those parts.
And you're gonna need some office supplies to write customers' names down, and notes that you'regonna take during the day, there's gonna be a lot of them.
You need pencils and pens and notepads, things like that.
You're also gonna need a place for your computer, of course, and you're gonna need a phone.
You are gonna be on the phone a lot.
You're gonna be calling theinsurance companies, customers, updating them on theprogress of their car, so you need to have an area that you can concentrate in and have a phone availablewhen you need it.
And you're gonna need an area to consult with customers.
Now this may be the areawhere you write the estimates and all that or maybe a separate area.
It's just going to depend on your shop and how they're set upand how they do that, but you're gonna need an area to consult with the customers, talk to them, and explainthe process to 'em, and explain the estimate to 'em, and hopefully sell the job to 'em.
And I know there are someshops that even have an area for the insurance adjusters, they have their own areato generate estimates and to consult with customers.
As always, I appreciate youfor watching these videos.
I hope you enjoyed the lesson about auto estimating.
I hope that you learned some from that.
And if you did, if you liked the video, be sure and give me athumbs up, give me a like, subscribe to us if youhaven't subscribed to it.
Share this with your friends and if you have any questions or comments, just be sure and go down below this video in the comments section, and there you can leavea question or a comment.
And remember, if something's worth doing, do your best and have a blast doing it.
Thanks for watching.
Take care, and we'll see you in the next video.
(rock music).
Auto Body Repair: Pull on a 2005 Ford Focus
The insurance companies nickel and dime them at every turn and they are made to give them at time ridiculous discounts to get any business. That's why having an auto body shop in your corner can't be stressed enough.
Nevertheless, all an auto body shop should be on is your side and corners should not be cut at your expense and being watchful is just a smart way to go.
Your Auto Body Shop In Berkeley Heights Should Help You With What Car Needs Exactly?
Tire balancing and wheel alignment are some of the most common auto repair services offered by technicians. When you buy new car tires, you may consider performing a wheel alignment. Having an alignment done can save you a lot of costs in the long run.The Importance of Wheel AlignmentHaving a wheel alignment done will help to significantly increase the life of your new tires. During the wheel alignment, the steering and suspension of your vehicle is going to be adjusted in order to ensure that the tires don't wear out overtime. Alignment is also important because it ensures the car handles corners smoothly.Wheel alignment is needed overtime because as you drive, your car's steering and suspension systems are pushed causing the ball & socket joints, bushings and other mechanical links to wear out. This makes the alignment deflect from the factory specifications. If nothing is done to improve the alignment, your car will have poor cornering and handling which also makes the tires wear out.Tire imbalance can occur when the rubber that is used in making it wears off overtime. That is why it is important to check your tires for imbalance every 6 months and ensure they are rebalanced. Tire imbalance can cause severe accidents especially when the car is driven at fast speeds.Tire balancing and wheel alignment can be done together. These services will help you to avoid budgeting for new tires soon. Even though they can be pretty expensive, they'll prevent serious accidents and increase the service life of your car. Just ensure you visit a well known auto repair shop and find a technician who is skilled and equipped to offer these services.Copyright (c) 2014 Crawfordville Auto and Tire


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(private collection)
Wednesday, October 31, 2012
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Locked Gate Art Bike - by Artist Stephen Williams. Via:
The amazing Blastoline Decopod. Now in limited production. Via: Just a car guy
Tuesday, October 30, 2012
A close look at perfection: Kurumazaka's Yamaha SR400. Via: Megadeluxe
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By Dtronaustin (thanks bro!)
Monday, October 29, 2012
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Christian Travert's jet powered Daytona Boss. Ihe bike was commissioned by the owner of the world's largest Harley Davidson dealership..(but of course). Via:
Sunday, October 28, 2012
Words and music: The art of Michael Leeds
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Saturday, October 27, 2012
"Five 1" by Haim Steinbach
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Thursday, October 25, 2012
Motorcycle Orange by Ushio Shinohara
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Wednesday, October 24, 2012
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Dude From Bulgaria Who Put Polow Da Don On Blast For Using Pre-Made Beats Responds To The Comments On WSHH & Defends Himself
MVP reports "This is a video about all the hate in worldstarhiphop.com and youtube"
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