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Here is BamBam being BamBam as usual this little devil.. so he wanted Jackson to show off his abs cause he wanted to see them himself but couldn't find a way.. so the best way he thought of was asking in front of the fans so Jackson won't be able to say no..BAMBAM dare Jackson to take his tank top off in front of the fans so they could see them.. Jackson been such a adorable sweet person as he is, would not deny something like that to the IGOT7.. So there he goes and take his shirt off.. but he was feeling guilty because he knew there will be someone very upset with all this.. he took off his shirt and ran as fast as he can so he can avoid future conflicts with a special someone. .He very well know he can not be showing off body parts that do not belong to himself only. In the other side of the stage there was Mark always watching.. He knew that little devil was planing something, when he heard him talk to Gyeomie. They were both laughing and saying that was a good idea.. but at that moment Mark didn't know what they were talking about.. As BamBam started getting Jackson into the trap..and daring him to take his shirt off with that evil smirk on his face.. Mark then knew what they were planning before..As Mark watched Jackson run as fast as he could after taking his shirt off, he approached BamBam.. " Bammi? come here" Mark's call him with a face you wouldn't dare F&$% with him at that moment. . "Yes Hyung" with a face like he hasn't brake a thing in his life so innocent..
"Kunpimook Bhuwakul!! how can you do this to me? he says it smiling beautifully in a soft tone of voice.. "joesonghamnida hyung" bowing repidetly with respect and afraid of what he will say next. . "You will wash my clothes and Jackson's clothes for one entire moth when we get back to Korea.. got that?" "Yes, yes joesonghamnida.. I will never do it again joesonghamnida." Then Mark walks away smiling like nothing happened. . you know the show must go on.. And BamBam.. is regretting what he did at this moment cause how can his fabulous self be washing clothes for one entire month.. and Gyeomie can't stop laughing watching at all that has happened. . the end..lol. ❤❤❤❤❤❤❤ IGOT7 TEAM @luna1171 @PrettieeEmm @VeronicaArtino @MaricelvaRomero @AaliyahNewbell @UnnieCakesAli @ManduBum ❤❤❤❤❤❤❤❤❤❤ @LenaBlackRose @AimeeH @sarangseoltang @XionHeart @SharayahTodd @KpopQuixxMarie @GDsGF @GenesisZiporrah @Gianlica @KpopGaby @kpopdeluxegirl @kpopisnylife @PrettieeEmm @punkpandabear @kpop14young @GUMMYB34RZz @staceyholley @EmilySavage @EmilyGardner @HuonTreeRoo @CreeTheOtaku @ElizabethT @Exoexo @DestinyMcCauley @VKookie47 @TracyLynnn @wiviDemol @DeeNice @maddiedo @marisamusic @H8rt4u @hmelodie @sarahpjane @SusiBosshammer @MelaninMonroe @KatieRussell @xroyalreisx @xsandos17 @VeronicaArtino @otakukpopgirl @AnnieGoodman @adikiller @ArmyofKookie @ArianaVenti @amandamuska @AlloBaber @jcl4rkson @AimeeH @AmbieB @awesaawQqwq2qq @RebeccaLondon @wondergirl @themrshongki @namjoonswife @ninjamidori @NEOisRealo @nnatalieg @Nerukawong @NalaniCerteza @VictoriaBossier @Vlargo @VixenViVi @Jiyongixoxo @JamiMilsap @JennieThor @YessicaCardenas @Ivethcrisoforo @RogueLeigh @lilbr0wneyes @AlysaNguyen @ @IGot7Forever @SHINee808 @TerraToyaSi @AyamenTenchu @twistedPuppy @Maddie27 @AlexisRiver @TashiannaBostic @jazgaara33 @CrystalGuerra @KaiJae @orchiofriend549 @yeniyx23 @MichelleMonroe @aegyoxprinMOcess @SugaMint @Helixx @kpopandkimchi @DamarisCisneros @KpopandKdrama @PrincessUnicorn @hyunsaeng638 @ILikeHisFace123 @bubblekookie @SaraHanna @CallMeMsDragon @marryjayne13 @MelissaGarza @JaiiPanda @Izab3lla @tazneemhinnawi @KoreanDramaMaMa @MomoChamie @SilentPianist @SydneyLstrange @ChandraTorres @DesireeChucklez @funnelcakeboo @AJ2002 @Chocolat09 @reyestiny93 @LinnyOk @IsoldaPazo @MandyNoona @MelissaGarza @AbbyRoscoe @Kyokeo @kpowell @angelicpsyche @DominiqueWhitak @mycreativename @ @CLAKPOP @sherrysahar


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Phone Number for Intelligent Finance
Intelligent Finance offers many different financial products. For the full range of what they offer call Intelligent Finance contact number 0844 561 1275.
Intelligent Finance have many different products with ISA's and other saving devices although at the moment they are not offering any new savings products. They are keen to assure their customers that when they entrust their money to them as the Financial Services Compensation Scheme will protect it to a maximum value of eighty five thousand pounds – the UK customers deposit security scheme. The protection of funds is available and applies to savings in, as well as Intelligent Finance, Bank of Scotland Private Banking, Lloyds Bank Corporate Markets, St. James's Place Bank, Birmingham Midshires, Bank of Scotland Germany and Bank of Scotland The Netherlands. Some of the savings account operated by AA Savings by Charities and Aid Foundation Brand names and by Saga within the Bank of Scotland plc are also covered. Any total deposits that are held above the eighty five thousand pound limit for the brands mentioned will not be covered. For the full details of which accounts are covered call Intelligent Finance contact number 0844 561 1275.
Visiting the Intelligent Finance website will allow you to connect with a guide to protecting your money that has been produced for information for customers of Intelligent Finance. The FSCS will pay out compensation for those depositors who find that their bank is unable to meet its financial obligations and the amount of eighty five thousand pounds will usually cover the needs of most individual depositors as well as small business customers. For the full details call Intelligent Finance contact number 0844 561 1275
It is interesting to note that while the holder of a sole account can be compensated only for a maximum of eight five thousand pounds those depositors who hold joint accounts are entitled to be covered for the maximum amount applied to each of them making the total amount protected in a joint account, one hundred and seventy thousand pounds.
Intelligent Finance Contact Number 0844 561 1275 Following the scandals that have rocked the banking world and seen many banks struggle to meet commitments to their customers the compensation scheme is a great way for customers to feel confident that their money is safe and that if the worst does happen they will not be left out of pocket. For the full range of what they offer call Intelligent Finance contact number 0844 561 1275.
Calls cost 7p per minute plus your phone companies access charge. We are not affiliated with this or any company listed on this website.
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subset: commoncrawl


text:
Make a Payment
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Add money to your account to pay deposits, or or pay off balances.
The email address listed through PayPal will be emailed shortly after payment is completed through PayPal. So we can verify which account to apply the credit to.
If you do not have a Paypal Account, you can pay as a guest by using your credit card, or if you do have an account you can use your balance.


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If your name is on the vehicle's title, we can track the vehicle and the subject's comings and goings. This is very useful in cases of Marital and Domestic Surveillance.
F.A.L.I – Florida Association of Licensed Investigators
B.B.B. – Jacksonville Florida Better Business Bureau
U.S.P.I – United States Professional Investigators Network
N.A.I.S – National Association of Investigative Specialists
A.C.F.E – Association of Certified Fraud Examiners


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|August 17, 2016
Evrim Resources Expands High Grade Vein Field at Cerro Cascaron
|Vancouver B.C. -- August 17, 2016: Evrim Resources Corp. (TSX.V: EVM) ("Evrim" or the "Company") announces new exploration results at the Company's 100% owned Cerro Cascaron project in Chihuahua, Mexico. The large, zoned, and high grade gold vein field at Cerro Cascaron has now been extended to 18 square kilometres and sampling within the field has identified several drill targets. Cerro Cascaron is a large, low to intermediate sulphidation epithermal gold target located in Sierra Madre Occidental in Chihuahua, approximately 55 kilometres southeast of Goldcorp Inc.'s past-producing El Sauzal gold mine.
Exploration Program Highlights
About the Cerro Cascaron Project
The 69 square kilometre Cerro Cascaron project covers a historic Colonial-era mining district that contains numerous gold and gold-silver prospects. The property hosts significant veining with high gold and silver grades and has never been drilled or evaluated by modern exploration techniques.
The sampling program increases confidence of grades and widths at the San Pedro, Carabina and La Julieta veins. The sampling also demonstrates Evrim's geological model is holding with the boiling zone (high grade gold target) occurring beneath the elevated plateau. Mapping and sampling extends these veins to the north onto the plateau where textural observations indicate high level textures that typically occur above boiling zones within veins. The size of the main vein field has been increased by eight square kilometres and the new La Cascarita prospect is located five kilometres to the west.
Selected Channel Sampling Intersections
Principal Vein Dimensions
About Evrim Resources
Evrim Resources is a mineral exploration company whose goal is to participate in significant exploration discoveries supported by a sustainable business model. The Company is well financed, has a diverse range of quality projects and a database in Mexico and portions of southwestern United States. The existing projects, and generation of quality exploration targets and ideas, are advanced through option and joint venture agreements with industry partners to create shareholder value. Evrim's business plan also includes royalty creation utilizing the Company's exploration expertise and existing projects.
On Behalf of the Board
Paddy Nicol
President & CEO
To find out more about Evrim Resources Corp., please contact Paddy Nicol, President or Charles Funk, VP New Opportunities & Exploration at 604-248-8648, or visit www.evrimresources.com.
Forward Looking Information
This news release includes certain statements that may be deemed "forward looking statements". All statements in this news release, other than statements of historical facts, that address events or developments that Evrim Resources Corp. (the "Company") expects to occur, are forward looking statements. Forward looking statements are statements that are not historical facts and are generally, but not always, identified by the words "expects", "plans", "anticipates", "believes", "intends", "estimates", "projects", "potential" and similar expressions, or that events or conditions "will", "would", "may", "could" or "should" occur.
Although the Company believes the expectations expressed in such forward looking statements are based on reasonable assumptions, such statements are not guarantees of future performance and actual results may differ materially from those in the forward looking statements. Factors that could cause the actual results to differ materially from those in forward looking statements include market prices, exploitation and exploration successes, and continued availability of capital and financing, and general economic, market or business conditions. Investors are cautioned that any such statements are not guarantees of future performance and actual results or developments may differ materially from those projected in the forward looking statements. Forward looking statements are based on the beliefs, estimates and opinions of the Company's management on the date the statements are made. Except as required by securities laws, the Company undertakes no obligation to update these forward looking statements in the event that management's beliefs, estimates or opinions, or other factors, should change.
View News Release in PDF Format:
You can return to the main News Releases page, or press the Back button on your browser.


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Structure as they see fit.
Cunning on the prowl.
Ambition exposed.
Their judgment is fierce,
but oh, what beautiful Eros.
They lay down the law,
and we want to lay with them.
We are their laymen.
They are our deepest desires, our fires of lust grown flaming,
Propaganda's sweet face, and our sense of aesthetics is engorged.
And they have their way with us, but never in a way we see fit,
continually we're kept in suspense under
their direction - we want them;
but to gain their love or approval, we kill ourselves
and not in our satisfaction, but rather from their gross desire.
This is the realpolitik of sex -
we sweet maids want our Machiavel.
the head of Hobbes' leviathan,
oh that monster machinist...
Oh to be the country they master,
if only in the most wicked wet dream.


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After a few weeks of speculation, MySpace Music has finally launched, bridging the profits of MySpace (everyone's least favorite social networking site) with the major music labels (everyone's least favorite American corporate bloc… except maybe investment banks).
The site doesn't really look that much different than a regular MySpace page, but the ads that are supporting the site are rather prevalent, as are the plugs for buying the material on the site at Amazon (which is reportedly how the majors think they'll make the most money: people buying stuff on Amazon because of seeing it on MySpace Music.)
Whether or not this will help either party regain some of its lost luster is highly debatable, but this could represent a new way for labels to make money in dwindling times. Go here to check it out.


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Let us reflect for a moment on a movie classic, Mary Poppins. The consummate Nanny if ever there was one. Ms. Poppins was everything young Jane and Michael Banks needed. She was punctual, well proportioned, prepared for any eventuality, caring health care provider, kind to the less fortunate (I'm of course referring to her association with Dick Van Dyke's character Bert, the chimney sweep), nice singing voice, and she could fly. These are all quite wonderful attributes for a Nanny, anyone would agree. What modern mother or father wouldn't want a Nanny who can pull a lamp out of her hand bag? Marketable skill if you need a lamp. Now, recall if you will why young Jane and Michael needed the Nanny. Agreed, there is the unfortunate fact that the former Nanny quit, but it's more than just that. Well then perhaps they required a Nanny because that's just what the British do. I digress. Back to the question at hand, why did Jane and Michael have need for a Nanny? Simply put, they were too young to take care of themselves. They hadn't the maturity or knowledge to navigate the complex, confusing and sometimes dangerous lessons of life. Ms. Poppins was there to ensure that they safely arrived at adulthood. She was preparing them to become productive, independent and personally responsible members of society. These are wonderful things to instill in a child. As a parent, this is my role and responsibility to my own children, to raise them so they can leave my home and become gainfully employed one day. I have young children so I can make that statement without the pang of a soon to be recognized reality. It is good for Mary Poppins to dutifully care for her two young wards. It is sweet because they are young and helpless; it's not so sweet however, when they are fully capable adults. Let us now look at what happens when Mary Poppins is charged with caring for Tina and Danny, all their children, cousins, overweight, underweight, short, tall, ugly, pretty, stupid, and smart neighbors. The image of the once attractive young governess is marred by the reality of what has turned into government babysitting. You should be disturbed by this image. But why should you be so bothered? Because at the base of your soul you know this model is wrong and ineffective. You know that regardless of what legislatures think about the food you eat, or your disgusting smoking habit, how much red meat you consume, or neutering your puppy, at the end of the day you are responsible for how you behave and the decisions you make. So why do some people tolerate the government coming in and babysitting them? I would first argue they have no shame, but that maybe to simple and incomplete an answer. A better and probably more accurate answer is that government oversight into their lives allows them to be victims of their own devising. "I'm fat because I eat too many trans-fatty acids, which are bad for me because Mayor Bloomberg says they are." "I'm not responsible, McDonalds's dollar value meals are." "I can't stop smoking because it's addictive and the cigarette company's tricked me by making it so attractive on billboards and
All humor aside, there is something going on here that is more insidious than the government just babysitting victims. There is the purposeful sustainment of victimhood by the very institutions that purport to protect these "victims". One can argue otherwise, however, the fact of the matter is that history, statistics, research, and good old fashion observation suggests that this is indeed exactly what happens when the government steps in and Nanny's the masses. People give up their right to choose and simply accept their condition. Their hope for self-control and discipline is supplanted by government regulations that dictate how they will think and behave.
I'm quite sure this is not the world Disney envisioned when he gave us Mary Poppins. In all his creative fancy he never conceived of Ms. Poppins lecturing grown men on the evils of smoking, or red meat. That could be because Disney smoked and ate red meat. Don't quote me on that, I don't know that for a fact. Whether he did or not is irrelevant, what is relevant is that he still had the choice. I do believe that if fifty years ago Disney were asked what he thought of a Nanny State that regulated and controlled targeted populations of people it deemed at risk, and products it deemed harmful, he would without hesitation tell you to fire the Nanny.


text: New Product New Product Crochet Bunny Beanie *0-3 mts* Crochet Bunny Beanie *0-3 mts* £10.99 Quantity: at £10.99 each Add To Basket This adorable 'Bunny Beanie' is ready to dispatch and is perfect for any new arrival. The main colour of the beanie is cream with the inner ears and a small band around the base in mermaid 'Lilac Sky' - it has a lovely contrast and is perfect for any new arrival! The hat measueres to a 0-3 month, it is approximately 14 inches (36.5cm) in circumference and 5.5 inches (14cm long). The ears are around 6.5 inches (16.5cm) long. All meaasurements are without streching the finished beanie. Crocheted using stylecraft DK and Marrina Mermaid 'Lilac Sky' yarn this beanie is machine washable and can be tumble dried. All out beanies have a satin ribbon with the care instructions attached inside. If you have any questions please don't hesitate to contact us.


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- kausewayAsked on July 27, 2015 at 11:49 PM
My font size has shrunk. I can go into the designer and when I click on font it resets really tiny. I move it to 16 font and the labels look fine but drop down menus and entry fields are smaller. How can I increase the font size inside the fields?
- JotForm SupportBJoannaAnswered on July 28, 2015 at 04:03 AM
You can change the font size of dropdown and input fields by Injecting Custom CSS. To do that inside of your Form Builder select Setup & Embed tab, then click on Preferences, then select Form Styles tab and inside of Inject Custom CSS field at the bottom of existing code paste this code:
.form-textbox, .form-textarea, .form-dropdown, .form-matrix-column-headers, .form-matrix-row-headers, .form-matrix-values {font-size: 16px;}
Here is my demo form where I added this code: http://form.jotformpro.com/form/52081412622949?
Hope this will help. Let us know if you need further assistance.


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The military, all over the world is not meant for the faint hearted. Male or female, one has to literally be made of steel to be able to serve in the armed forces. So tough are the requirements that women are exempted or prevented from being part of some aspects of military duties.
Though the restriction is gradually being relaxed, women soldiers are not allowed to take part in combat duties in the military in some countries for obvious reasons. But in spite of the restriction, the tough rules guiding the conducts of the men and women in uniform, particularly the officers and men of the armed forces have been largely maintained by all the armed forces of the world.
In every armed forces of the world, disobedience to constituted authority and/or not carrying out lawful orders which might be viewed lightly in any civilian setting is a grave offence in the military and most often than not attracts capital punishment.
So it was not a surprise when a couple of weeks ago a military court sitting in Abuja, Nigeria's capital sentenced to death 12 of the 18 soldiers standing trial before it for criminal conspiracy to commit mutiny, attempted murder, disobedience to a particular order, insubordinate behavior to constituted authority and false accusation.
The soldiers who were serving at the newly created 7th Division of the Nigerian Army based in Maiduguri, Borno State were part of the troops deployed in the north east to combat the Boko Haram insurgency that has been ravaging that part of the country for some time now and has claimed the lives of hundreds of thousands of Nigerians.
On May 14, 2014, at the Maimalari Cantonment, the divisional headquarters of the 7th Div, the soldiers reportedly shot at their General Officer Commanding (GOC), Major General Ahmed Mohammed with intention to kill him. They were reportedly protesting what they termed insensitiveness to their safety in the fight against Boko Haram by the GOC.
For their act of rebellion, the soldiers were charged under Section 52(1) of the Armed Forces Act, Cap A 20 Laws of the Federation of Nigeria and 12 of them found guilty and sentenced to death by virtue of section 37(1) (a-b), (2&3) of the Nigerian Army Act. These aspects of the military law aptly captured their offence and prescribed death as the penalty.
Considering the nature of their calling and the provision of the armed forces law, the soldiers have indeed committed a grave offence and the law has been judiciously applied on them according to military tradition. So they are to die by firing squad subject to the ratification of the Army Council.
While it is very difficult to plead for the soldiers because they knew the implication of what they were doing before they went into it; and while executing them is the right thing to do in accordance with the military law, to serve as a deterrent to others who might be so likely minded, it might be necessary for the Army Council to take a second look at the circumstances of the soldiers stupid action before ratifying the death sentence.
They were reportedly protesting the inferior arms given to them to fight the insurgents and the lack of adequate intelligence before they were deployed to the battle front, a situation which led to the death of many of their colleagues. Though they were foolish to have taken up arms against their boss, their complaint was at the heart of problem militating against the success of our armed forces in the fight against Boko Haram.
It is criminal on the part of military commanders to send their men to war without adequate weapons far superior to that of the enemy. If what these soldiers were saying was found to be true then they don't deserve to die for bringing it out. One is not asking for the rules to be bent but if there was any truth in their allegation, then the Army Council should not punish them with death. Long terms of imprisonment would suffice if through their stupid action we are able to address a problem militating against victory in the battle front in the war against terror.
The kind of humiliating defeat suffered by our military in the hands of Boko Haram in recent times is enough to get anybody annoyed at the way the military high command has been conducting the war. If at all the civilian populace has any sympathy for these rebellious soldiers it is because we are not impressed with the way our top generals are conducting war against terror. But while not condoning any act of mutiny, the soldiers must be properly trained, kitted and armed to fight Boko Haram before we punish any of them that failed to deliver on expectation or took the law into his hand as the mutinous soldiers did while protesting alleged insensitivity on the part of their commanders.
The way the military look at justice is surely different from the way of 'bloody' civilians. General Mohammed has been reportedly retired for whatever was his offence as a result of the soldiers' behavior. But if the boys must die for taking up arms against their commander, while not the 'oga at the top' who sent the boys to war without adequate and superior arms and ammunition. Mind you I am just thinking like a 'bloody' civilian, but something tells me that what is good for the goose…
But beyond the issue of justice in the case of these mutinous soldiers, it is about time that we take another look at the recruitment policy into our armed forces. It has been said several times that most of the boys enlisting into our armed forces now are just there for the salary and are not committed soldiers. More worrying is the insinuation that some of them are there based on the influence of their godfathers and not on merit. If this is truly the case then we are in trouble. The soldiers that fled into Cameroon at the slightest of heat from Boko Haram were probably from this stock.
Another worry in our armed forces today is the alleged ethnic and religious bias being introduced into this last bastion of Nigeria's unity. The day our soldiers begin to see themselves as and owe allegiance to their religion or ethnic group would be the beginning of the end for our military. It is incumbent on the leadership of our armed forces today to guide against this ugly trend because it could spell the doom for country. Let's have a military that we can all be proud of. This is not the time to play the ostrich. Something is wrong with our military if soldiers could take up arms against their commanders. The earlier we fix the problem, the better.


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by Ryan
I am a youth pastor in Missouri and our church is switching from the "self employed 1099" stuff to w-2. I have debating whether or not to be ordained with all the housing allowances and what-not. I decided that I would rather just receive the w-2 without a housing allowance and go back to how a normal job would take out my taxes so I am not dealing with the tax nightmare anymore. Anyhow, I would still like to be licensed to be able to do weddings and all that.....now my question is; can I choose whether or not I want a w-2 or a 1099 even though I become licensed or do I have to list myself as 1099? I would like to be a w-2 with no perks of housing or anything and still be able to do weddings. I don't mind not get the allowances just as long as I don't owe at the end of the year and the IRS is happy.....then so am I. What do you think?
Know the answer? Face the same situation? Please post your answer or comment by using the "comment" link below. Thank you!
Comments for Can I choose between w-2 or 1099
Click here to add your own comments
Join in and write your own page! It's easy to do. How? Simply click here to return to Minister Employee.
Need a Consultation, help setting up an effective Accounting System, or someone to do your monthly bookkeeping and/or payroll?
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text: Home > Site Map Share+ Site Map Home Privacy Policy Site Map Agriculture Core Products ECOFLO®100 GOLDFLO® GOLDFLO WT® GOLDFLEX® GOLDLINE® GOLDLINE GLP® ECOAIR Ag Catch Basin Water Level Control Fittings & Accessories Applications Support Resource Library Q & A Events Education Blog Stormwater Core Products HydroStor™ Chamber ECOFLO®100 GOLDFLO® GOLDFLO WT® GOLDPRO STORM™ GOLDLINE® Stormwater Quality Unit Retention / Detention GOLDLINE GLP® Meter Pit Fittings & Accessories Applications Projects Support Resource Library Q & A Engineering Technical Consult Thank You Residential Core Products GOLDLINE® GOLDFLO® GOLDFLO WT® ECOFLO®100 Proform™ HD Sump Drainage Tree Guards Fittings & Accessories Applications Support Resource Library About Prinsco Our Mission Our Vision Our Values Our Leadership News Locations Find a Sales Rep Careers Contact Prinsco HomePrivacy Policy Site Map About Prinsco Prinsco is a third-generation family-owned company committed to providing quality water management solutions. We have a mission to care, contribute and solve. Learn More Join Our Team Prinsco is a growing company looking for team members who will care, contribute and solve in the workplace. Search our job listings and apply online! Search our jobs


text: Since starting stitching I've developed an interest in how artists use fabric and materials to explore ideas. I saw the exhibition on Skin at the Welcome Trust a few years ago. This film Body cloth commissioned by Rhian Solomon is fascinating – with textile artist and surgeon reflecting on their respective practices.


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You will find the free resources on this page helpful if any of the following describes you:
- You've decided that you want to build a house on that lot you've owned for many years
- You just bought a lot that is perfect for your dream lifestyle
- You are looking for the perfect lot for your future home
- You want to work with an architect
- What you have in mind is a unique home that suits your needs and captures your dream
Welcome to the world of custom residential architecture and construction.
It's a world of fertile imagination, full of possibilities and unlimited options. It's amazing, but it's also what many find crippling – too many choices, too many decisions, too many questions. What is my next step? Who do I talk to first? How do I choose? What can I afford? What is it going to cost? How long is it going to take?
That's why we are offering these free resources to help you navigate a seemingly overwhelming course of action.
Working with an Architect – A series of videos to walk you through the process of selecting an architect and completing a successful custom residence
How to write your Project Brief – A free guide and template to help you write a brief description about your custom residential project, which will allow you to communicate your needs and desires effectively and efficiently
How to budget your Project Cost – A free guide and worksheet to help you allocate your funds and manage your overall project budget, so that you can make financially informed decisions about your dream house
How to Choose an Architect for your custom home – A free guide and template to help you select the right architect for you and your project
Glossary – A list of frequently used architect-speak – explained to help you understand your architect (or builder).
Other resources – A link to other useful websites
Green Building – Articles and Videos by Green Building Advisor
Energy Efficiency and Performance of your Home – Energy Star offers tips and advice on common performance problems


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Community Benefits
CharterRbus is a value service provider to any community. It offers a unique value generating service that has many benefits. Through a work-study program, high school business students support local sales and marketing. Additionally, charterRbus benefits school bus drivers and the local economy by providing additional work hours.
Most of all, charterRbus provides a service to the community by generating funds for schools. School corporations have indicated that the funds will be dedicated to supporting programs such as the following:
CharterRbus is a service company which benefits the schools, students, and faculty as well as developmental programs.
Our partner schools include the following:


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Review: Going in Style
PLOT: After their pensions are wiped out, three elderly men (Michael Caine, Morgan Freeman & Alan Arkin) hatch a scheme where theyâll rob a bank and use the funds to make up for the money that was stolen from them.
REVIEW: For those unaware, GOING IN STYLE is actually a remake of one of director Martin Brestâs (BEVERLY HILLS COP, MIDNIGHT RUN) first movies, which starred then octogenarian superstar, George Burns. Itâs funny how ancient the eighty-three year old Burns seemed in that movie when you look back at it now, with star Michael Caine being one year older than Burns was then (Alan Arkin is roughly the same age) but looking at least a decade younger.
In fact, all three of our elderly heroes look pretty well maintained, with Morgan Freeman the youngest of the trio at a sprightly seventy nine. Thus, the idea of these three guys robbing a bank isnât as inherently silly a premise as it was the first time, although director Zach Braffâs cutesy touch makes the movie more of a feature-length sitcom than anything else. Throughout the ninety minutes it ran, I barely guffawed once (save for a few funny bits involving a cameoing Christopher Lloyd), yet I canât say I didnât like GOING IN STYLE at all.
Fact is, Freeman, Caine and Arkin are inherently watchable. It would be impossible to make a movie starring these three and have it be all bad. When the movie is focused on their believable friend chemistry it works. Just following the three guys around, watching them interact with their families, and getting in mischief is relatively pleasant, and to his credit Braff seems to know what heâs doing, by keeping the attention squarely on them throughout.
Caine is the most prominent of the three, with him wanting to use his funds to save his home from foreclosure, so he can provide for his divorced daughter and gifted grand-daughter (Joey King). In a nice twist, the absentee dad heâs filling in for isnât a complete scumbag, being played by Peter Serafinowicz as a goofy pot dealer who wants to do the right thing if given another chance â a nicely redemptive note for a stock character who usually never gets a chance to redeem himself. Meanwhile, Freemanâs character is secretly in need of a kidney transplant, and just wants enough money to buy a plane ticket to see his grand-daughter one last time. Arkinâs character is kinda just along for the ride, seemingly being the least desperate of the gang, and in the throes of a romance with a local lady (Ann Margret).
The big issue with GOING IN STYLE is that Braff doesnât seem to know where the laughs are, and the slapstick (at times) vibe doesnât mesh with his more heartfelt style. Itâs also a shame that he hasnât brought any of the visual flair he brought to his other films, GARDEN STATE & WISH I WAS HERE, to this. It could have used a little visual pizzazz. Instead, youâd never know it was anything other than a journeyman director behind the camera.
As it stands, GOING IN STYLE isnât especially funny, but it is pleasant and watchable. Caine, Freeman and Arkin are loveable guys, and watching them pal around as best friends is kinda charming, giving the movie a lot of goodwill to coast on. Itâs not especially good, but they keep it from being anywhere near bad.


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If you are at least 18 years old and live in the 33612 or 33613 zip codes in Tampa, the University Area CDC wants to hear from you. It's doing a survey to help pinpoint needs in the community surrounding the University of South Florida.
"This is what we are going to use to build our strategic plan," explains Sarah Combs, the CDC's Executive Director and CEO.
The CDC is working on improving the University Area and the lifestyles of its residents by focusing on housing, health education programs, transportation, youth programs, community safety and workforce/employment issues.
The 2017 University Area Community Survey is confidential and does not require names, emails or phone numbers. However, those who complete the survey and supply their names and contact information can participate in a drawing for prizes, including a TV, park tickets, movie passes, bicycles, a $100 gift card, and more. Additional prizes are available when the survey is turned in personally.
It takes about 20 to 25 minutes to answer the 54 questions, which involve the types of programs their children prefer, challenges to home ownership, personal safety and the effectiveness of law enforcement.
The survey is available here. Completed forms should be returned to the individual or organization who provided them, or to 14013 North 22nd St., Tampa.
The last time the survey was done was in 2015, when results were used in the creation of sports and fitness classes and a community garden to increase access to healthy foods as well as to improve Workforce Training through a Free IT Certification Course.
Combs expects the survey to reveal a small decline in the "transient nature" of the community, she says.
"This information allows us to figure out who's our community. When we started we were primarily African-American. Now we're primarily Hispanic," she adds.
Originally set to close out in June, the survey will remain open through July 28 to involve more respondents.
In June the nonprofit closed on its sixth parcel near its 7-acre Harvest Hope Park. The parcels will be used to develop affordable, single-family housing. "We're hoping that funding is going to come very soon, within the next three months," she says.
The residences will allow owners to be "urban pioneers," and have a place they can call home rather than a place where they stay, she says.
"What's going to be really cool about these houses, they're modular houses," Combs adds.
Meanwhile the concrete has been poured on an 8-foot tall statue of a family depicting diversity and respect in the community. It will be placed in Hope Park, bordered by 19th and 20th streets and 137th and 138th avenues,
"It's created from the residents," she says, adding it might take a month to complete. "I'm really excited to see that."


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A recent article discusses how buybacks at Humana earned CEO Bruce Broussard a $1.68 million bonus in 2014. Humana was on target to miss its target EPS of $7.50. However, the company announced a stock buyback of $500 million, which increased EPS to $7.51, triggering the bonus. In all, 255 of the S&P 500 companies have executive performance tied in part to EPS. As we have discussed, in our opinion, EPS is not an appropriate measure of performance as it is easily manipulated. Executive bonuses should be tied to measures that better align with increases in shareholder value. As an example of EPS manipulation, the article reports that, in 2012, then-CEO of Humana Michael McCallister received a $1.63 million bonus because the Board of Directors removed litigation expenses from the EPS calculation.
Thursday, December 10, 2015
Tuesday, December 8, 2015
Evaulating Corporate Management
One of the most difficult task for an investor is how to evaluate company management. The CFA Institute recently published an article describing one method to analyze company management. First, concentrate on the numbers on the balance sheet and income statement. Of particular interest are gross margins, operating margins, income tax rates, foreign sales and earnings translations, and balance sheet concerns. Second, the company should have well understood and written processes for its critical functions. Finally, you should look at management. In this area, you should look for unquestioned integrity, innovation of products and processes, how well employees are treated, and good control of people and processes. If a company meets these screens, it indicates a strong management team.
Monday, December 7, 2015
2016 CFO Goals
A recent survey by Proviti asked CFOs about top priorities for 2016. At the top of the list was margin and earnings performance. Next on the list was cybersecurity risks, strategic planning, periodic forecasting, and budgeting. Executives are also seeking more precision in cash forecasting, an often overlooked area. From a student's point of view, the list of priorities can indicate areas in which they could hopefully make an immediate contribution to their employer.
IPOs Exhibit Material Weakness
From 2011 to 2014, the number of IPOs on the NYSE has more than doubled, from 128 to 293. However, from a financial reporting view, the IPOs have grown weaker. The percentage of IPOs that reported material weaknesses, or deficiencies, in financial reporting grew from 23 percent in 2011 to 31 percent for 2015 IPOs through September. One reason may be the JOBS Act, which allows smaller companies to raise external capital. Staggering 88 percent of IPOs with less than $500 million in revenue reported material weaknesses.
Monday, November 23, 2015
Retirement And Time Value Of Money
A recent article at Bankrate.com discusses how saving earlier in your IRA can mean big money at retirement, which we hope you already know this. As the article discusses, many people make their IRA deposit right before April 15th each year when taxes are due. However, if the deposit were made a year earlier, the difference under Bankrate's assumptions would be $113,985 at retirement. The assumptions used in the article are a $5,500 annual deposit at 8 percent for 40 years. Check for yourself that if the deposits are at the end of the period, the future value is $1,242,810.85 and if the deposits are an annuity due, the future value is $1,538,795.72. So, Bankrate's article presents a set of calculations that we hope you are already familiar with. Of course, the future value will increase another $30,000 or so if you make your deposits on January 1st of each year, 15 months before the last date April 15th of the following year.
Pfizer-Allergan Acquisition
Pfizer announced that it would buy rival pharmaceutical company Allergan for about $160 billion. The new company will be based in Ireland, a tax inversion deal that will lower Pfizer's tax rate from 25 percent to 15 percent. The deal makes 2015 a record breaking year for mergers and acquisitions. For example, healthcare M&A deals have topped $600 billion, shattering the previous high of $362 billion in 2014. Energy and power M&A currently stands at $572 billion, while high technology M&A has reached $514 billion. And, worldwide, total M&A activity has reached $4.2 trillion, topping the previous high of $4.1 trillion set in 2007.
Wednesday, November 11, 2015
Clawbacks And Restatements
A major provision of the Dodd-Frank Act requires corporate executives to certify the accuracy of financial statements, in part to help reduce restatements. Another provision of the Act requires that all public companies have a "clawback" provision that permits the recovery of any incentive compensation paid to executives if the restated financial statements show that the incentive compensation should not have been paid. In 2012, 87 percent of publicly traded companies had a clawback provision. Previous research has found that companies with a clawback provision are less likely to have restatements. This was attributed to executives doing a more diligent job when certifying the original financial statements. However, new research indicates that the drop in restatements may also be due to executives fighting restatements. Often, restatements are the result of auditors disagreeing with the original financial statements because of the accounting choices made. Since a restatement that reduces the company's reported performance can cause the initiation of the clawback, corporate executives appear more likely to fight restatements.
Tuesday, November 10, 2015
Corporate Leverage Increases
According to Goldman Sachs, the level of debt on corporate balance sheets has risen to a level not seen since before 2008. With record low interest rates, companies have increasingly borrowed to fund buybacks and acquisitions. During 2014, about 10 percent of debt issues were used to fund buybacks. And, so far during 2015, about 8 percent of debt issues have been used for buybacks. Meanwhile, goodwill, which is created from mergers and acquisitions, has risen 32 percent since 2010 and more than $1 trillion in goodwill has been added to corporate balance sheets since 2008. While goodwill can represent real value, such as a brand name, it could also indicate that companies have made negative NPV acquisitions.
Thursday, November 5, 2015
WACC And Acquisitions
An article on CFO discusses the WACC for S&P 500 companies and the use of the WACC in mergers and acquisition. An interesting number in the article is that, according to research by Bain & Company, the average WACC for a company in the S&P 500 has dropped from 10 percent in 2010 to 8 percent in 2014. Much of this is likely due to lower interest rates. The article also discusses how companies add a risk premium of 200 to 300 basis points to the WACC (the subjective approach) when analyzing a potential acquisition, plus another 50 to 100 basis points due to conservatism about the WACC calculation. Although the article is not specific, we should reiterate the correct WACC to use when analyzing a potential acquisition is the WACC of the target company, not the WACC of the acquiring company. To clarify terminology, the hurdle rate used in the article is the required return, or cost of capital.
The Market Return For The Next Decade
So what will the stock market return be going forward? John Bogle, founder of Vanguard Mutual Funds and proponent of index investing, recently stated that investors should only expect about a 4 percent annual return from the S&P 500 for the next decade. According to Bogle, he expects a 2 percent dividend yield and earnings growth of 5 percent, for a 7 percent return. However, he also expects the PE ratio on the S&P 500 to fall from its current level of 20 times earnings to 15 times earnings. This decrease in the PE ratio will cause a 3 percent decrease in stock prices, resulting in his estimate of a 4 percent annual return. So is Bogle right? Check back with us in 2025 and we will let you know.
Tuesday, November 3, 2015
Democratization Of IPOs
So you have read about IPO "pops" in this chapter and want to buy IPOs. A major problem is that the majority of IPO allocations are sold to institutional investors like banks, mutual funds, and high-net worth investors who have an established relationship with the underwriter. JP Morgan has decided to change the IPO investing landscape. The company has teamed with online brokerage Motif Investing to allow small investors to participate in IPOs. Motif will allow investors to submit commission-free orders in IPOs underwritten by JP Morgan with a minimum order of $250. One risk of the new process is that while IPOs typically have very heavy trading on the first day, institutional investors tend to hold the securities for a relatively long time. Small investors may be hoping for the IPO pop and sell the stock quickly, which could lead to even larger trading volume early in the life of the IPO, with more price instability.
Monday, November 2, 2015
Bond LIquidity And Yields
Many observers believe that the Federal Reserve may increase interest rates in December. According to a recent article, that could be the worst time for the bond market. During December, bond trading slows dramatically as banks clean up balance sheets in preparation for year-end stress tests. As a result, banks are less likely to enter into large trades. Strategists at RBC Capital Markets argue that the large jump in yields on bonds in late September was due to the lack of liquidity in the bond market because of banks preparing for quarterly reporting. If this is true, an increase in interest rates by the Federal may result in larger increases in bond yields than might be expected due to lack of liquidity, at least temporarily.
Saturday, October 31, 2015
Startup Investing Expanded
Yesterday, the Securities and Exchange Commission approved Title III of the 2012 Jumpstart Our Business Startups Act (JOBS Act). Title II of the JOBS Act, which was approved in in 2013, allowed accredited investors to in startups. The approval of Title III allows anyone to invest in startups, small businesses, and real estate through crowdfunding. The total amount of investment in such ventures is limited to 5 or 10 percent of the investors annual income, which provides protection to small investors from themselves. But, it does allow small investors into startups, which can provide very high returns. However, before you make these investments, remember the lessons from Chapters 10 and 11: The only way to increase your return is to increase the level of risk you take.
Robert Schiller Examines Your Weaknesses
In a recent interview, Nobel Laureate Robert Schiller discusses how companies can mislead consumers and how the media latches on to smalls stories. His comments are based on human behavior, which is the basis for behavioral finance. His last comments are a very interesting take on investing: "We don't know the probabilities of future events. Still, you have to take action and so you do it on gut feeling. That's the world we live in. There's so much disagreement about investing, and it's because nobody really knows." Interestingly, although we greatly respect Dr. Schiller, he is still guilty of making his own market predictions.
Thursday, October 22, 2015
Cat's Good Bad News
Caterpillar Inc., announced lower quarterly profits and that it expected sales in 2016 to decrease 5 percent, the company's 4th consecutive yearly sales decline. On this announcement of seemingly bad news, the stock was up as much as 5.7 percent on the day. So why was the stock price up today? The news in the announcement today was consistent with the company's warning last month.
Wednesday, October 21, 2015
Negative U.S. Interest Rates?
Back in March, we posted about negative interest rates in Europe. And while recent speculation has centered on the Federal Reserve increasing interest rates, at least one member of the Fed has pushed for negative interest rates. Narayana Kocherlakota, president of the Minneapolis Fed, has advocated for the Federal Reserve implementing negative interest rates in the U.S. Although Kocherlakota is a non-voting member of the Fed, he has been joined by other Fed officials arguing for negative interest rates. An extra mattress for your savings account is looking more appealing.
Ferrari Strong Off The Line
Ferrari stock was strong off the line on its IPO. The company's stock, which was priced at $52 in the IPO opened at $60, a 15.4 percent price jump, before closing at $55, a 9.5 percent price increase. The company raised $893 million in its IPO, which could increase to $982 million if the Green Shoe option is exercised.
Friday, October 16, 2015
Buybacks Hit $600 Billion
S&P companies have announced about $600 billion in stock buybacks this year. A major reason for the high level of buybacks is the low interest rate. The dividend payout ratio for blue chip companies is about 3 percent, but the same company can borrow at about 2.2 percent. This means that it is actually cheaper to buy back stock with borrowed money as this will save the company .8 percent per year. Of course, there is a widespread belief that the Federal Reserve will raise interest rates soon, which will lessen the appeal of buybacks funded with new borrowing.
Tuesday, October 13, 2015
An Unsystematic Risk
Often, we get asked by students for examples of unsystematic, or firm specific, risks. We are sure that you have heard about Dieselgate, or Volkswagen's deliberate programming of emissions devices in its diesel vehicles to fool emissions tests. Dieselgate is a perfect example of unsystematic risk as it affects only Volkswagen, although it appears that other auto makers may face unsystematic risks as well as several other manufacturers may have similarly created programming to cheat emissions tests. If you think about Volkswagen's actions and the risk, the news will likely greatly affect VW's sales as some consumers will avoid the company's vehicles. And while these consumers will be forced to look elsewhere, the sheer number of alternative manufacturers means that it is unlikely any particular manufacturer will receive a huge spike in new customers.
Control Of GE
Activist investor Nelson Peltz, who has a one percent stake in General Electric through Trian Fund Management has outlined plans that he feels GE should follow to behave like a cash cow, not a growth company. For example, Peltz wants GE to get rid of its finance division, add debt to buy back stock, and cut costs. What is interesting is that GE has recently sold its appliance division for $3.3 billion, sold its vehicle-fleets assets business for $6.9 billion, sold its health finance unit for $9 billion, and today sold GE Capital, with $32 billion in assets, to Wells Fargo. In fact, since April 2015, GE has sold $126 billion of the $200 billion it plans to divest. It sounds like Peltz is suggesting GE do what it said it was going to do.
Wednesday, September 16, 2015
Bond Prices Relatively Unchanged
Bond prices were in both positive and negative territory today, with the yield of two-year Treasuries settling up 8 basis points, the highest level in four and a half years. Bond traders are uncertain of the direction of interest rates leading into the Federal Reserve meetings this week. So will the Fed raise interest rates this week? Yes, No, No, Yes.
Wednesday, September 9, 2015
Correlation With Apple
A recent article discusses the correlation that various stocks have with Apple and some of the stocks are surprising. For example, industrial products manufacturer Illinois Tool Works (ITW) has the highest correlation at .61. Payment technology firm Fiserv and Honeywell have the next highest correlations with Apple. Facebook and Texas Instruments also have high correlations with Apple, which is expected since Facebook is a tech stock and Texas Instruments is a major supplier to Apple. By now, we hope you understand how important correlation is to diversification, but, as with most numbers, we need to apply economic rationale to the numbers. There is no reason that ITW and Fiserv should have such high correlations with Apple, and in the future, these correlations will likely fall. Remember, what we really want is the correlations going forward, not correlations in the past. As Eric Chemi, the author of the article, states in the accompanying video: "That's where the data can get you and I think people need to be careful to not get trapped in these types of numbers."
Macy's Options
When a company makes an announcement, most people do not consider that many of these announcements are in fact real options. For example, yesterday Macy's made two separate announcements that are both real options. First, the company announced that it would close 35-40 underperforming stores, the option to abandon. Next, the company announced that it would open Best Buy outlets in 10 of its stores. While this is a small capital budgeting decision, it is an option to expand as Macy's and Best Buy both hope the combination is successful, in which case more Macy's will feature a Best Buy outlet.
Tuesday, September 1, 2015
VIX Volatility
The VIX, which measures the volatility of the S&P 500, has recently had an increased volatility, reaching levels not seen since the financial crisis of 2008. The level of the VIX is still in the area that generally occurs when the economy is in a recession. A JPMorgan analyst argued that the increased volatility was the result of price-insensitive traders who had "trend following strategies (CTAs), risk parity portfolios, and volatility managed strategies", all of which served to increase market volatility.
Wednesday, August 26, 2015
Market Efficiency Wins Again
Skeptics of stock market efficiency are always ready to argue "evidence" that the stock market is grossly inefficient. One piece of evidence that has been used in recent years is the performance of hedge funds. An oft reported statistic is that the average hedge fund return since 1996 was 12.6 percent per year. A recent article highlights research that indicates this claim is incorrect. Overstated hedge funds returns are due to the fact that hedge funds self-report returns. So, if a fund has poor returns, it stops reporting returns. Additionally, when a hedge fund is started, it will often not report returns until it has "something to brag about." After removing these biases, the researchers found that the average annual hedge fund return since 1996 was only 6.3 percent, half of the reported average!
Annuity Sales
The stock market crash in 2008 made many investors nervous. As a result, many of these investors have searched for more certain investments, including annuities. We describe annuities as an equal payment at some specified interval for a fixed period. In an investing prospective, annuities are an investment vehicle that can have a fixed rate. Although there is more involved in an annuity, the basics of an annuity are that an investor deposits money into the account and either immediately or at some point in the future receives payments. The payments are calculated like the annuity payments in the textbook. So, the payments are based off the amount deposited, the interest rate, and the number of payments. Since annuities are currently paying below 3 percent, it is surprising that sales of annuities have increased because this lower interest rate results in lower payments than when the interest rate is higher.
Stock And Gold Correlation
Historically, the correlation between the stock market and gold prices is low, or even negative during some periods. Because of this, gold is often seen as a good asset for a diversified portfolio since a low or negative correlation can increase diversification. However, just because it happened in the past does not mean that it will happen in the future. For example, while the market dropped on Monday, gold prices also took a hit. While one day does not a trend make, both the stock market as a whole and gold are down year-to-date. All of this should be taken as a warning. Just because two assets have had a low or negative correlation in the past does not mean that the correlation will hold going forward. In other words, when using correlation, we want the correlation going forward but are often forced to use historical correlation.
CEO Pay Ratio
One of the most controversial provisions of the Dodd-Frank Act is the CEO pay ratio rule. This rule requires that public companies report CEO pay as a ratio of the median employee pay. And while this seems like a relatively easy computation, many large multinationals are arguing that it is a difficult and expensive proposition. Compensation around the world is measured in different ways, depending on government regulations about social benefits, healthcare, and taxes. Additionally, whether part-time employees should be included in the calculation has become a contentious issue. Since wages overseas are often lower than in the U.S., companies are eager to exclude foreign workers. Either way, the rule will be expensive: The SEC has estimated the cost to all companies in the first year will be $1.2 billion.
Monday, August 3, 2015
Greek Stocks Tank
Even though Greece reached an accord on the repayment of its sovereign debt, there are still those who believe the reprieve will be short-lived. Given this fear, coupled with the weak Greek economy, it is little surprise that the Athens stock market nose dived when it opened for the first time in five weeks. Overall, the Athens market fell 16.2 percent today, with several bank stocks dropping 30 percent, the maximum allowed according to Greek stock market regulations.
Wednesday, July 29, 2015
Losing Money At Zero Percent
One thing that can drive students crazy when first learning Finance is that sometimes things seem counterintuitive. For example, a recent article highlights that while a zero percent interest rate on car loans seems like a good deal, it can actually cost the uninformed buyer money. One specific example is the 2015 Jeep Cherokee SUV. The vehicle lists for $27,153, but the buyer can take a $2,000 rebate or zero percent financing for 60 months. While many people would jump at the zero percent financing, the monthly payment under this option would be $452.55. If the buyer takes the rebate instead and finances the vehicle at 2 percent, the monthly payments would only be $440.88 per month. Although the article does not discuss a breakeven interest rate, we hope your time value of money skills allow you to calculate that the breakeven rate is 3.10 percent. So, if you can borrow at any rate below 3.10 percent for 60 months, the $2,000 rebate is preferable to zero percent financing!
Tuesday, July 28, 2015
The Chinese Stock Market Rout
Any market can experience a bear market and the Shanghai Composite, the 144 China-based companies that have a primary listing on major U.S. stock markets, is no exception. The Shanghai Composite lost about 8.5 percent on Monday and is down about 27 percent since its June 12 peak. The result is a loss of about $40 billion in stock value! Another measure of Chinese stock performance, the CSI300, which comprises the largest listed companies in Shanghai and Shenzhen, fell 8.8 percent Monday. As a result, the Chines government has said that it was ready to buy shares of stock to stabilize the market and stop the "systematic risk." Regulators also said that they would harshly punish anyone who was malicously shorting stocks.
Saturday, July 25, 2015
Really Bad Financial Analysis
There are times when we get a headache from slapping our foreheads after reading really bad financial analysis, especially when done by a well-respected S&P 500 company like Boeing. But, after reading this recent article, it may be a headache that lasts for a while. As you can read, the article states that Boeing loses $23 million on each 787 it sells. And while we Microsoft loses money on every XBox One, it makes up for those losses on the sale of each video game. So, we were wondering how Boeing was making up the losses on the sale of each 787 until we read this:
"Commercial jetliner programs typically lose money in the early years of production until the heavy upfront investments in engineering and production are repaid. Boeing's accounting spreads those costs over a large block of planes the company expects to deliver."
In other words, Boeing is losing money only because they are spreading the initial cost of the project over the life of the project! Accounting for the initial cost of a project in this manner not only violates a basic tenet of capital budgeting, but gives a misleading profitability number to investors.
"Commercial jetliner programs typically lose money in the early years of production until the heavy upfront investments in engineering and production are repaid. Boeing's accounting spreads those costs over a large block of planes the company expects to deliver."
In other words, Boeing is losing money only because they are spreading the initial cost of the project over the life of the project! Accounting for the initial cost of a project in this manner not only violates a basic tenet of capital budgeting, but gives a misleading profitability number to investors.
If You Don't Like It, Create Your Own
Russian authorities are upset that Standard & Poor's and Moody's, who cited falling oil prices, a recession, and international sanctions due to the conflict in the Ukraine, rated the country's debt as junk. With the mindset "We can do it ourselves and everyone will believe", Russia announced that is starting its own credit rating agency. We are sure that Russian sovereign debt will be AAA rated.
Wednesday, July 22, 2015
Apple's Cash Hoard Grows
Apple's cash balance, which has been enormous by any measure, topped $200 billion for the first time. Cash held internationally has reached 89 percent, or about $180 billion, of Apple's cash. Apple has been reluctant to repatriate the money back to the U.S. as it would be forced to pay the full 35 percent corporate tax rate on the repatriated money. In an effort to pay investors, Apple has issued $50 billion in debt in various currencies around the world.
Tuesday, July 21, 2015
A $120 Million Bogey?
So what affects stock prices? In reality, pretty much everything, possibly even a bogey at the famed Road Hole at St. Andrews in Scotland. For the non-golfers, phenom Jordan Spieth made a bogey (one over par) on the 17th hole in the final round of The Open Championship on Monday, which virtually eliminated him from contention. Shortly after he made the bogey, stock in Under Armour, the company Spieth has a marketing deal with, fell from $89.47 to $88.79. While this is a relatively small dip, it reduced the market value of the company by $120 million. All in all, a pretty expensive round of golf.
Monday, July 20, 2015
An Overconfident Donald
One of the biases often discussed in behavioral finance is overconfidence, that is the belief your abilities are better than they are. Further, many people actually have overconfidence in individuals who tell everyone how good they are. Take Donald Trump. Although his wealth is estimated by Forbes at $4.1 billion, he recently stated that he was worth $10 billion as a self-made man (who started with his father's millions.) And while his companies have filed bankruptcy four times, The Donald will tell you how good of an investor he is. Unfortunately, a recent article disputes this statement. If The Donald had taken his stated wealth of $500 million in 1982 and invested in the S&P 500, he would now have $20 billion, twice his stated worth. We hope you note a couple of important points. First, as we discuss in the textbook, the power of compounding greatly increases the value of a portfolio over time. Second, don't always believe the hype of self-styled investment gurus.
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Thankfully we don't hear the voice a lot, because it really doesn't match anything here. The music is simply amazing, full of ambient and atmosphere, really good stuff, slow, relaxed, very post Black Metalish. But the voice is just indescribable. Very weird almost like just yelling at times and not doing any effort to follow the music.
Anyway, if you can be put up with that, then just go for it.
The album has only four tracks but making a total time of 48 minutes, since as like any other Doom Metal band the songs here are longer than 10 minutes, each of them.
Musically it could really be great, as all instruments are perfectly played and there are really catchy and memorable riffs and melodies at times, but need some more originality and less obvious and predictable stuff.
This may be the shortest review ever done by Lachryma Christi but seriously there is not much more to say.


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Tuesday, July 21, 2015
RKCB - Ignite
Los Angeles-based duo RKCB, comprised of Riley Knapp (producer) and Casey Barth (vocals) make a welcome retrun today with their new single, "Ignite", which also serves as the lead single to be lifted from the duo's forthcoming debut EP due out later this summer.
Speaking on the track, RKCB's Riley Knapp explains:
When we wrote 'Ignite' we really wanted to capture the explosive nature of a new relationship especially coming out of a long friendship first, that tension and slow burn is something we feel really musically connected to. It's definitely a dynamic moment on the project.
" Listen to "Ignite" below.
Premiere via
Bullett Magazine.
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I'd like to see this battle about ENDA end with a proclamation of truth and everyone set straight once and for all. But seriously folks. I know at my core that thousands of years of moral understanding through time based in scripture (and not just Christianity) shows that cultures, peoples, nations, however you want to group us, are decidedly impressed by the notion that men and women are compatible sexually based on physical evidence. Hard to believe right? In addition you can include a majority of theological-philosophical-sociological backing and civil and legal precedent as foundational support on top of just sheer common sense. This is not a recent phenomenon. We're talking about THOUSANDS OF YEARS of cemented culture. If homosexuals feel they are beating their head against a brick wall, they are.
Biology points us there. That is really all I need. God telling me something obvious like this is, well, redundant. But I am glad He did just in case there was any doubt and obviously He knew there was and would continue to be confusion.
But this is not all homosexuals need because they have chosen that alternative lifestyle. Dismissing this as choice is false and is attempted because those who have tried know they cannot win this argument. They "need" biology to support them just as strong. It's not there folks. And if the next 5000 years are a mirror representation of the last it won't be there anytime soon. I heard a saying once and cannot remember where but: if someone, who seems credible, tells you that a dog's tail is really his fifth leg, how many legs does the dog have? Answer: 4.
So now what. Well this is important. What is happening now in America and around the world is a uniting of a diverse fringe group of homosexuals to finally put off millennium upon millennium of universal culture and get their way. That is really their only alternative if they want to "feel" like they are in the right without deciding to concede long held understanding and truth as displayed by human nature. They won't admit they are wrong so they have to believe, accurately or not, everyone else is. This is the main reason for pushing for additional special sub culture rights in any and every area possible looking for some crack in the wall.
Morality is not all that subjective. There are cases where you have to determine if an act was moral or not, but the ruler you judge it by is pretty concrete. Murder: Bad. Theft: Wrong. False Witness (lying): Deceitful. Where did those come from? Did they start with an American style of Christianity? Nope. These are straight out of the Jewish original play book for society. The Ten Commandments are not just a personal document for personal best practices. They were handed down to Moses to govern a people group. Additional scriptures written thousands of years ago believed to be inspired by the Creator that the Bill of Rights points to as the origin of our rights points out that homosexuality is a sin. If any one is saying that in America, it is not because they want it to be historically accepted as the ideology of God-fearing people. It is historically accepted as truth by God-fearing people for thousands of years and that is why it is not a simple cultural war for gays anywhere.
Opinion "C" is: Americans are fighting an ideological battle that puts the core of society under the microscope. I like this. In the end it won't adjust real morality but rather confirm it. Murder is never going to be moral even if it were made legal. Theft likewise. Contempt neither. Homosexuality – same thing. All of the governments could convene at that U.N. to decare the positive moral status and virtue of homosexuality and it would still be immoral. The decisions in governments will never make moral that which is immoral no matter how far the agenda is taken. I love that about absolute truth.
The real question for Americans who hold fast to these beliefs is how far are you going to let it go in the courts, in the legislatures, in the executive branch and in the arena of public opinion before you stop voting for those who don't align with millennium upon millennium of core morality. When will you stop spending money on advertising through networks who promote the agenda. When will you stop supporting groups that have the promotion of homosexuality to moral status as their core ideal. When will you be as active in promoting what you really believe as those who are trying to get you to believe differently. Because at this time, your child's teachers will probably be free to role model these rebellious ideals. Your son and daughter might have to endure indoctrination in colleges. Your pastors and religious leaders may be taking the low road. Your spouse may be weak and get confused and your children tossed in a tailspin of emotions and confusion. The list goes on and I think our current society has shown that this negativity has some staying power culturally even if it is never correct morally. Ever.
Final important note: I don't believe in the hierarchy of sin. Homosexuality is no better or worse than adultery or any other sin therefore no one is better or worse on a scale of sin. Except total rejection of God. That is not my opinion though. That comes from a Bigger source.


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I've taken an interest in yet another type of craft lately... because I have SO much time to do it all!
This time it's origami. But not just the animal shape making that you usually see. I like making geometric shapes, out of lots of little modules. I like the portability of this craft - nothing needed but squares of paper and a flat surface to work on. And even the latter is optional!
It's actually not that hard - so I upped the difficulty by doing it in miniature. My paper is 50mmx50mm and I've just bought some smaller stuff - 40mmx40mm.
These two linked cubes are about 2½cm along the edges. Joining them up was a little tricky but fun! I can't wait to do more - I may even make a chain of them, perhaps...
(This last picture of the cubes with the iPod touch is just to give you an idea of size).
Monday, November 10, 2008
1 comment:
can i know how u do it???
- 1:44 pm, November 17, 2008
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Space is limited.
Reserve your Webinar seat now at:
PACE Members:
We have a regularly scheduled PACE Member check-in call scheduled for Monday, September 17th at 12pm eastern/11am central/9am pacific. We'd like to try something different with this call and so after we do quick organizational updates, we'll have a conversation with Josh Lerner, the Executive Director of The Participatory Budgeting Project.
In a time of widespread budget cries and plummeting trust in government, citizens and elected officials alike are searching for more democratic and accountable ways to manage public money. Participatory budgeting (PB) offers that alternative. First developed in Brazil and now used in over 1,000 cities around the world, it enables citizens to directly decide how to spend part of a local budget. Called 'revolutionary civics in action' by the New York Times, PB offers people a fundamentally different way to engage with government.
Josh and his organization work directly with governments and organizations in North America to develop PB processes that help communities decide how to spend public money. He has a PhD from the New School, a Masters of Planning from the University of Toronto and has been working in this field since 2003.
Our friend Matt Leighninger of the Deliberative Democracy Consortium will provide some brief context and introduce Josh and the topic.
We hope you'll be able to join us for this PACE Members-Only conversation on the 17th, and that you'll invite other members of your organization to join in the dialogue.
Chris Gates
Executive Director
PACE-Philanthropy for Active Civic Engagement
Title: PACE Member Webinar: A Conversation with Josh Lerner, The Participatory Budgeting Project
Date: Monday, September 17, 2012
Time: 12:00 PM – 1:00 PM EDT
After registering you will receive a confirmation email containing information about joining the Webinar.
System Requirements
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The British in Rural France
Lifestyle migration and the ongoing quest for a better way of life
By Dr Michaela Benson
- £70.00 Hardcover
- Buy Now
Book Information
- Format: Hardcover
- Pages: 192
- Publisher: Manchester University Press
- Price: £70.00
- Published Date: May 2011
- BIC Category: Sociology, Migration, immigration & emigration, SOCIAL SCIENCE / Emigration & Immigration, Society & social sciences / Migration, immigration & emigration
- Series: New Ethnographies
The British in rural France is a study of how lifestyle choices intersect with migration, and how this relationship frames and shapes post-migration lives. It presents a conceptual framework for understanding post-migration lives that incorporates culturally-specific imaginings, lived experiences, individual life histories, and personal circumstances. Through an ethnographic lens incorporating in-depth interviews, participant observation, life and migration histories, this monograph reveals the complex process by which migrants negotiate and make meaningful their lives following migration. By promoting their own ideologies and lifestyle choices relative to those of others, British migrants in rural France reinforce their position as members of the British middle-class, but also take authorship of their lives in a way not possible before migration. This is evident in the pursuit of a better way of life that initially motivated migration and continues to characterise post-migration lives. As the book argues this ongoing quest is both reflective of wider ideologies about living, particularly the desire for authentic living, and subtle processes of social distinction. In these respects The British in rural France provides a unique empirical example of the relationship between the pursuit of authenticity and middle-class identification practices. The book will be of interest to lifestyle migration and migration specialists, sociologists, social anthropologists, human geographers, scholars of tourism, as well as being accessible to individuals with a broader interest in this social phenomenon.
"I warmly recommend this book to those interested in issues of migration, lifestyle and mobility. Its accessible writing style and the multiple examples make it a good read for scholars, students and the broader public wanting to know what the life of British migrants in rural France 'really' looks like."
I realished the prospect of a new wave of ethnography and was particularly attracted to this study, resting as it does on a rich vein of the British imaginary, but sadly I found little of the old Mancunian flair.
Michaela Caroline Benson is currently a Research Assistant in the Centre for Urban Studies at the University of Bristol.
Sociological review prize for Outstanding scholarship
The BSA Philip Abrams Memorial Prize
1. Introduction
Part I: Imagination, Migration and Post-Migration Lives
2. Explaining Migration
3. Negotiating Locality
4. A (Persistent) State of Uncertainty
5. Life in a Postcard
Part II: Distinction, Identity and the Ongoing Search for a Better Way of Life
6. At Home in the Lot
7. The Unexceptional Lives of Others
8. En Route to Authentic Living
9. Conclusion
10. Bibliography


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We don't have any photos of this building yet. Why don't you be the first to send us one?
Latitude: 51.4291 / 51°25'44"N
Longitude: -0.1201 / 0°7'12"W
OS Eastings: 530786
OS Northings: 171686
OS Grid: TQ307716
Mapcode National: GBR FY.QDT
Mapcode Global: VHGRC.VBWS
Entry Name: Main Building of Sunnyhill Junior Mixed and Infants School
Listing Date: 27 March 1981
Grade: II
Source: Historic England
Source ID: 1081066
English Heritage Legacy ID: 204705
Location: Lambeth, London, SW16
County: London
District: Lambeth
Electoral Ward/Division: Streatham Wells
Built-Up Area: Lambeth
Traditional County: Surrey
Lieutenancy Area (Ceremonial County): Greater London
Church of England Parish: Streatham St Peter
Church of England Diocese: Southwark
1. (north side)
Main building of
Sunnyhill Junior Mixed
and Infants School
London Board School of 1900, dated on plaque in gable, by E R Robson's team.
A more developed version of an earlier design, with great emphasis on chimneys
as decorative features. Main front to Valley Road has 2-storey, 2-bay centre,
each bay 2 windows wide under projecting pedimented gable. Symmetrical with one-storey
side sections. Stock brick with red brick and stone dressings. High pitched
swept tiled roofs. Central chimney between gables. At either hip of the half-hipped
roof behind is a tall chimney to front and back, linked by a round-arched bridge.
Each side wing has a chimney as central feature. Between this and centre a tall,
2-window bay, crowned by paired gables, breaks the eaves and rises well above
them; the right bay has a further gable. Return ranges of one storey with projecting
end wings (one formed by side section of main front). Two pairs of tall gabled
bays breaking eaves. Bridged chimneys crown roof ridge. Asymmetrical west range
has tall narrow copper fleche, with prodigiously swept eaves at south end.
Listing NGR: TQ3078671686
This text is from the original listing, and may not necessarily reflect the current setting of the building.
Other nearby listed buildings


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All I want for Christmas is to get back on-schedule with these articles and all the other stuff I've got going on around here. (Okay, I might have a few more things on my list, but I know getting back on top of my work would sure be nice. Even though I know this one will be a tad late (like the last few), I've tried to jam as much in as I can, to try to make your December a little bit brighter. We have a lot of good stuff coming out this month, with more on the way -- 2007 looks like it's going to be a good year. Check it out:
December: Fiendish Codex II: Tyrants of the Nine Hells
Finally on-sale this month is the infernal 160-page companion to Fiendish Codex I: Hordes of the Abyss. Much like its chaotic predecessor, Fiendish Codex II: Tyrants of the Nine Hells offers all manner of detailed and in-depth information about the inhabitants of the Nine Hells (including material that'll be of interest and use to DMs as well as players).
Back in September, I showed you the back cover text. Last month, I showed you the introduction, along with a look at the section describing the devils' perspective on the Blood War. This month, I thought I'd give you a taste of the infernal material your characters might tap into -- either to fight against the forces of Hell, or to make use of their evil power. So, take a look at a few feats and spells from Chapter Three: Game Rules.
December: Fantastic Locations: The Frostfell Rift
Also on-sale this month, The Frostfell Rift is the fifth Fantastic Locations accessory to grace gaming tables. With a 16-page adventure book and two double-side battle maps, this latest offering provides challenging new locations for roleplayers and minis gamers to find excitement -- and a lot of tough battles. I gave you the back cover text back in September, and that's all I can pass along.
December: The Shattered Gates of Slaughtergarde
I gave you the back cover text to this thing back in September, and can't really tell you much more -- so as to not ruin the fun for anyone at the gaming table. But with an adventure book, campaign book, a players' book, a double-sided map, and a booklet of illustrations, Shattered Gates of Slaughtergarde is a 142-page". . . launchpad for a new D&D campaign. Inside is enough activity to take 1st-level D&D characters to 7th level, as well as plenty of raw materials you can use for further exploration."
January: Gargantuan Blue Dragon
Hands down, this is my favorite of the D&D Icons minis. (Admittedly, blue dragons are my favorite of the chromatic dragons.)
This third addition to the new line of minis takes its place alongside the Gargantuan Black Dragon and Colossal Red Dragon as one of the most terrifying (and fun) things you'll ever see on your kitchen table. Like its acid-spewing cousin, the Gargantuan Blue Dragon crouches atop a 4-inch by 4-inch base, offering plenty of space for heroic types to sidle up and try to do some damage. (Of course, drawing attacks of opportunity.) I don't have one of these guys in front of me right now, so I'm not going to try describing its draconic majesty. (Besides, you're looking at a little picture right now.) I'll get hold of it next month. Until then, here's the bit of flavor/description from the back of the box:
January: Complete Scoundrel
This 160-page hardcover supplement is the latest addition to the extremely popular and useful Complete _______ line of books. Much in the same way as its predecessors (including Complete Mage, and Complete Adventurer) Complete Scoundrel is filled with character-building options for players and DMs that want to add more scoundrel-ishness to their game. Inside, you'll discover the kinds of feats, prestige classes, tricks, spells, equipment, and magic items you'd expect to make use of in nefarious ways.
Last month, I gave you a look at the back cover text. This month, just in time, I got the file, so I can give you a glimpse of what's in-store for all of you. Here's a bit of the Introduction, along with the chapter-by-chapter run-down of the contents of the book.
And, just as a little extra something for those of you who're now considering building a scoundrel-type character, I thought I'd just toss in a short sidebar you'll find at the end of Chapter One: Scoundrels of All Types.
January: D&D Dungeon Tiles III: Hidden Crypts
As the third offering in this phenomenally useful line of accessories, D&D Dungeon Tiles III: Hidden Crypts offers another pile of dungeon-building pieces Dungeon Masters can use to improve adventures, create memorable combat encounters, and maximize the use of their D&D Miniatures. Just like D&D Dungeon Tiles and Dungeon Tiles II: Arcane Corridors, this latest offering is a nonrandomized pack of sturdy, portable, and easy-to-use terrain that comes packaged as six sheets of durable, laminated, game board -- you just punch out all the pieces and start building dungeons (and in this case, you can start constructing crypts and other creepy locations as well).
Each double-sided piece features full-color artwork depicting an array of dungeon features and settings on at least one side -- many of the tiles feature a flipside that offers a plain, 1-inch grid that lets you build an endless variety of rooms and passages. Like its predecessors, additional packs of Dungeon Tiles III: Hidden Crypts (and future releases) will help you build bigger, more elaborate and detailed dungeons. Here's the text you'll find on the back of this shrinkwrapped bundle of modular adventure:
Dungeon Tiles III is the first in the series to offer pieces with a 45-degree angle on one side -- there are 2-inch by 2-inch pieces (like the one you see above) as well as 4-inch by 4-inch tiles. So, you can augment the corners of your rooms or create rooms that aren't simply constructed with all right angles. Other interesting additions to your dungeon-building toolkit are several tiles that feature niches (empty and filled), wooden flooring and stairwell tiles, a 5-foot-wide staircase, coffins, sarcophagi, and a large-sized double door.
February: Barrow of the Forgotten King
This is the first adventure in a three-part series of D&D adventures that you can drop easily into any existing campaign. Designed to challenge a party of 2nd-level characters, Barrow of the Forgotten King is a 64-page adventure thatfeatures a new combat encounter format that will make the DM's job easier. (I imagine this is similar to, if not the same as, the new format introduced in Scourge of the Howling Hordeand The Shattered Gates of Slaughtergarde. As you probably know by now, I don't want to spoil an adventure, so I won't give more details from the inside. But there's no harm in showing you the back cover text.
February: Secrets of Sarlona
Much in the same way that Secrets of Xen'drikdelved into Eberron's Lost Continent, Secrets of Sarlona explores the homeland of the Inspired and the kalashtar. This 160-page hardcover supplement to the Eberron Campaign Settingoffers the first in-depth look at the empire of Riedra, the mysterious nation of Adar, and a number of never-before-seen locations. While DMs can find plenty of inspiration in those areas, players can find comfort in the number of new feats, prestige classes, spells, psionic powers, magic items, and other character options that will help ensure they survive their trip to the exotic land of Sarlona. And now, the back cover text.
February: Dungeonscape
As the latest addition to the Environment series (following close on the heels of the urban offering Cityscape), Dungeonscape's 160 pages focus on the most iconic location in which characters find adventure: the dungeon. Players can equip themselves with new character options, while DMs can delve into material that helps them craft dungeons that will live on in tales told around the table. Take a look at the back cover text:
March: Unhallowed Booster Packs
Let's get straight to the first of our Unhallowed previews. The first is for a creature folks have been hoping to see for some time. The second is for a creature no one -- no sane player, at least -- would ever hope to see.
Pseudodragon -- At long last, the much-anticipated, oft-clamored-for, desperately wanted by many a familiar-having spellcaster (like my semi-retired wizard) miniature, the Pseudodragon finally makes its (Uncommon) appearance. It took longer than anyone wanted for the sketches and sculpts to result in a mini that did this guy justice—there's a lot of character packed into this particular critter, more than is easily contained on his Tiny base. Compare the mini to the illo on page 210 in your Monster Manual, and it seems as if someone managed to talk the pseudodragon into being good and sitting up straight, just long enough for the artist to capture his likeness. His purplish-red coloration is accented by black horns, spine ridges, and the stinger tip of his long, flexible tail (which wraps fully around his body 1 ¼ times.) A small array of sharp fangs jut up from his lower jaw. And his yellow eyes almost glow in contrast with the darker reddish scales. The pose, while seeming awfully calm for a pseudodragon (to me, anyway—my wizard's familiar is a bit energetic) really conveys the pseudodragon's dragony-ness and character—confidence and a sense of importance that far out measures his diminutive stature. Now, run out and take the Improved Familiar feat so you can use this guy.
Beholder Lich -- I remember being extremely excited to see the Beholder in the Deathknell expansion. And when I heard this thing was coming out, I couldn't wait to get a look at it. When sculpts and master paints came in for Unhallowed, this was the mini I wanted to see. And now that a first-run production mini is in my hands, I can't wait for the set to get here so I can get me some eye tyrants of the undead variety. Just at a glance, the (Rare) Beholder Lich makes me think of what the beholder mage featured on the Forgotten Realms Dungeon Master's Screen (and, most recently statted up, in Lords of Madness: Book of Aberrations) would look like if it went out and got itself a phylactery. (Though, I have no idea what's going on, rules/mechanics-wise.) Regardless, it's an impressively undead-looking Large creature. The Beholder's tough leathery brown hide has putrefied into a sick, grayish green. A black wash over the entire mini really calls out all the details, from wrinkles, warts, (cysts, maybe), and sloughing flesh to the rents, tears, and cuts that remain unhealed after all these years. Aside from clearly being unwell, the most noticeable thing about the Beholder Lich (in comparison to its living buddies) is that gaping hole where its central eye used to be. In the world of beholder mages, that means this tough guy poked out his own eye. In the world of the undead, it might've just been damaged or eaten by rats or something. No matter how the Beholder Lich lost that big, middle eye, the only thing more disturbing than one of those big orbs staring you down is the socket of where that peeper should be. Some of the Beholder Lich's lesser eyeballs haven't fared any better, as all that remains of one eyestalk is a bloody stump, and another one (the one dangling down its left cheek there) seems to be damaged to the point of inoperability. (Maybe the telekinesis eye is still working, and it can give the damaged stalk a lift.) Even one of the Beholder Lich's "curb feeler"-like tentacles/protrusions has been sheared or worn off. The gaping maw of the Beholder Lich's mouth is a blood-reddened orifice, lined with still-sharp, but darkening with well-aged teeth. So, the Beholder Lich doesn't look like the picture of health, but it also doesn't really look any less threatening either. (It's kinda like a creepy shrunken head of a creature spawned by a cyclops and a medusa.)
Since we've just started showing off minis from the Unhallowed expansion, I know you've not gotten your fill just now. So, check out the D&D Minis page, to see Steve Schubert's Minis Previews articles. And, every month, Dragon magazine will have all sorts of other D&D minis previews and exclusive coverage.
About the Author
Mat Smith is a copywriter who's been playing roleplaying games for a disturbing number of years, and now gets to spend an astonishing amount of time thinking about clever ways to get more people to do the same.
©1995-2008 Wizards of the Coast, Inc., a subsidiary of Hasbro, Inc. All Rights Reserved.


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Photo credit: Peter G. Aiken / Getty Images Sport
Author: Jon Kuzma
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The Buffalo Bills were a pretty special team in 2017 especially since they ended a 17 year playoff drought. Buffalo did all of this with only 14 touchdown passes from their starting quarterback Tyrod Taylor and it's clear the Bills have to improve at quarterback to take the next step. One way Sean McDermott's team could make a splash at QB is by signing Jay Cutler. Cutler played this past season with the Miami Dolphins but is currently a free agent. The Bills have a lot of good momentum with that playoff appearance under their belt, now they should pony up the $10 million dollars a year and get Cutler in order to improve their offense. Then the front office can use the boatload of draft picks they acquired from trades to build around Cutler. Even though on paper it seems like this team has a couple of good receivers, not one player on this roster hauled in over 600 receiving yards. If Buffalo could get Calvin Ridley or Courtland Sutton to pair with the guys they already have in place that would be a very talented group of pass catchers. Cutler could then work the passing game while LeSean McCoy handles all the running responsibilities. Buffalo actually has two first round picks so with that other selection they could address the offensive line with someone like Mike McGlinchey or Billy Price. That would leave the Bills with the rest of the draft to load up on defense. Not only that but this offense would be a much more talented group than they was this past season when Buffalo was already on the cusp of being a true contender. There will be a lot of football fans that oppose these moves just because Cutler is often unfairly judged by the public. Make no mistake about it though this would take the upstart Bills to the next level and that's what the off-season is all about.
Charity of the day: Goodwill Industries International
Go donate! www.goodwill.org


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Budget $10-30 AUD
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Listed below are a number of questions that provide you with the opportunity to demonstrate some of your experiences. In answering these questions, we are looking for examples of when you have demonstrated some of these competencies.
Why you need to work in the Public Health System?
three major challenges facing the Public Health System in the future?
situation where you communicated complex information in a challenging environment. What did you do to ensure the message was communicated effectively
How would you make your skills and knowledge in your field relevant to the Public Health System?
Please outline the characteristics of a manager you have worked with who has inspired you, and how this has influenced your work
The content should be fresh and should be free of grammatical errors and should be focused towards being registered nurse point of view.
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