text:
LAWRENCE (CBS) – A man who's been a longtime thorn in the side of Lawrence mayor William Lantigua claims he was beaten up by one of the mayor's supporters.
The attack took place in a Lawrence fried chicken restaurant and was captured by surveillance cameras.
WBZ-TV's Jim Smith reports.
"After the x-rays, I found out he hit me in two places and broke my wrist," said Antonio Arevalo.
Also See: Lawrence Mayor Lantigua Says He Has 'Nothing To Hide'
Arevalo, who once tried to file a restraining order against Lantigua, said he's still in pain, recovering from a broken arm and other injuries that he said is the end result of a beating caught on tape inside a Lawrence restaurant.
David Figueroa, who is 6-8, 378 pounds, shouted at Arevalo right before the assault.
WBZ NewsRadio 1030's Kim Tunnicliffe reports.
"He goes, 'You know what, you're a M-F because you know what, you ratted out on the mayor, and I'm gonna kill you.' So, then he came charging at me. He grabbed me by the neck and started choking me and started hitting me," said Arevalo.
Figueroa was arrested and charged with assault and intimidating a witness. He works as a bouncer at La Guida Restaurant, a night spot frequented by the mayor.
Lawrence police are still investigating.
"He alleged that they said he's a snitch and things like that," said Lawrence Police Chief John Romero.
Arevalo said he intends to still speak out against the mayor.
"I can't be paid off, and I can't be shut up. I want for us to feel safe in this city," said Arevalo.
Lantigua instigated the beatdown on Mr.Arevalo & rumor has it that Lantigua gave the bail money for Figueroa to get out of jail. Lantigua's antics continue to draw negative attention on Lawrence. Hope the feds have their eye on this episode & keep Lantigua & his gang under close watch. State needs to put Lawrence in total receivership NOW


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The new trailer for Netflix's The Innocents has us hooked
Netflix has released a teaser for its upcoming original series centering teenage love...with a supernatural twist
We have to admit, Netflix has us hooked. We wouldn't have the millennial-favorite hashtag #NetflixAndChill thanks to their binge-worthy original content. The streaming service knows what kind of stories to go after and boy do they have something epic in store for us.
Recently, the streaming service announced its upcoming original series, The Innocents. Teenagers Harry and June are tired of their repressive family lives and decide to run away together. The extraordinary journey they share leads to self-discovery that derails their innocence. Secrets that were kept from them by their respective parents test their love to a breaking point, and the extraordinary gifts they possess unleashes powerful forces intent on dividing them forever.
The trailer starts off with a cryptic message: "What you see is not what you see." Knowing Netflix's tendency to pick up storylines with excellent plots, and epic twists and turns, we're actually pretty stoked for this show.
The series stars Guy Pearce, Sorcha Groundsell, and Percelle Ascott. The supernatural teenage drama will have eight episodes and will be streaming sometime this year. Our conclusion: Looks to be 100% binge-worthy.
If you have any views or stories that you would like to share with us, drop us an email at firstname.lastname@example.com

subset: commoncrawl


text:
( March 13 )
Where I Am Now!
I have Bombarded my Body with Dangerously, 'High grade Concentration' quantities
of Toxic Chemicals both directly on the Ski n from Top to Toe, literally!
as well as ...Bottles of them poured in the Bathtub for a Long - Long time
only to find that i was Poisoning my Body but without any effect on Malassezia.
Eventually through observation of its coming and goings i have plenty
of confirmation that it is produced internally
and there i have no access or control.
Therefore i have Stopped entirely the use of All Chemicals
and have reverted to simple Natural harmless methods for all external parts of the Body
with surprisingly more Successful Results than previously with the chemicals.
I have No Lesions in the numbers, severity or size as i used to have way back.
I have been for some time now practically Totally Lesion Free
rarely anything manages to dig in and draw blood but it is quickly dealt with.
Internally though, i still have the problem as no matter what i have tried
has had no effect on curbing its production - other than Acidophilus Capsules
with some considerable but not absolute nor permanent effect
Many people after reading some entries in my Blog
kindly return and suggest solutions they have thought of or found
on other sites or forums believed to be offering temporary relief for a short time
then return later to report problem with yeast moving or spreading in other areas
and more 'new' things discovered or thought of to try
But to this day
- No One has returned to report they are Free of the problem
simply having used any discovered 'X' product - and
-Never has anyone returned with a report of
"THIS KILLS YEAST Once and Forever..."
Neither do so any of my own remedies.
They are Effective in Immediate Relief of the Symptoms of Itching and Burning
Healing Fast any pre-existing Lesions and Deterring Yeast from Settling
thus Keeping the outer skin areas Fairly to Totally Free of Lesions
other than some small tricky not easily accessible areas
but Nothing i know of Stops Yeast from growing Internally
and continuing its cycle on the outside -if left uninhibited- affecting
different sensitive areas in different people.
I must clarify here that a Totally Lesion Free Body
does not mean a 'Yeast Presence and /or Activity' Free Body!
Perhaps the idea of the later is impossible by Nature's laws
with only one's healthy immune system making the difference obvious.
Healthy individuals are not aware or suspect any presence in their body
and many do not even know of this beast's existence
I used to be one of those individuals myself... before antibiotics use.
Now Unable and having found Nothing that can fight it Internally
other the Acidophilus Capsules which Improve and Deter
but Do Not kill Malassezia, the Best i have achieved
is a Totally Lesion Free Body and much Quieter Sane Life!
with (considerably reduced) Yeast Presence and Activity.
The Means and Methods of which this is Being Achieved are Ongoing
and Presented in detail in the Different Entries
and these are what this Site has to offer
hoping some of the Info may be useful to its Visitors
(20 May 13) On a New Experiment
I have already dedicated enough material on Diet and experimentations
Long or short etc, but due to recent heavy lung bleeds i developed
a voracious appetite for certain items, so much so that i had to forego
my regular diet and implement a new one to accommodate that need.
During that period i noticed some change of mild reduction of yeast activity.
I was not quite sure whether this was the main reason
but having gone back to the original menu again i noticed a slight increase.
Still not being able to verify if it was the diet or other changes causing it
i decided that now my body has adapted to the new diet due its needs
i thought it might be a good opportunity to go back and trial it for longer
and more systematically so that i can verify if indeed it made a difference
or it was co incidental.
This is one more chance to see if there Is anything that can be done internally.
I will be giving it approximately three months of consistency
and recording any other changes that might contribute to the result,
and if successful i shall return to Report the Finding.
I estimate i will be able to make the Report available Mid- August
or earlier if there are clear enough indications on either side of the scale.


text:
Year of Production: 2009
Directed By: Joe Gage
Bryan Slater, Christopher Saint, David Dakota, Dean Flynn, Gio Forte, RJ Matthews, Patrick O'Conner, Tony Buff, and Will Parker
Runtime N Rubbers: 2 Hours and 45 Minutes. Yes.
Scene One:
Tony Buff
Expecting to spend a nice quiet weekend in the country at the Battle Creek River Lodge, RJ Matthews (good-looking with short red hair and a toned/lightly hairy body) is somewhat taken aback when greeted by naked employee Tony Buff (good-looking with shortly buzzed black hair and a toned/hairy body). RJ sure loosens up quickly and while taking a naked (except for black boots and socks) stroll through the woods to commune with nature, "bumps" into hunky Tony fixing a "leaky water heater". Feeling frisky, Tony shows off his fat cut cock and goads his new buddy on with lusty suggestions leading RJ to stroke his own stiff clipped prick. The sexual tension is a huge turn-on and RJ plays the role of a shy guy very well in hot contrast to Tony's more sexually open personality. The guys make their boners jump 'n throb and then get down to beating off with eyes fixed on each other.
Tony leaks lots of pre-cum as they stand side-by-side pulling pork. RJ cries out and squirts a big thick load of jizz all over the ground as Tony sprays the earth with his thick seed. What better way to relax after busting a nut than with a nice long leak? The dudes let go with the yellow flows 'n splatter the ground with their warm piss. Tony bends RJ over the water heater, sinks to his knees, rubs those beautiful peach-fuzz covered melons, spreads 'em exposing a tight shaved bunghole, and munches down. RJ loves having his asshole eaten and fills the woods with moans, sighs, and heavy breathing. There are plenty of tasty camera shots of that pulsing pucker and Tony's hot wet tongue caressing it into submission. Tony pulls RJ's turgid tube steak back between his legs and sucks them balls 'n licks that cock. He slides his chubby dong in from behind and fucks RJ doggy-style using long smooth strokes while reaching forward and jacking his pal's stiff dick.
That's one thick cock to take up the bum and RJ does it with gusto filling the air with loud grunts and pants of desire. Dude plays a delicious game of the ol' sink/bounce riding up 'n down on Tony's tool with plenty of hot frontal penetration shots. Switching up for some oral action, Tony chows down on RJ's member giving some excellent head and filling his gullet full of mouth-watering man-meat deep throating all the way down to those red pubes. Tony screws RJ in the missionary position quick 'n smooth with hot penetration shots from above and behind while RJ stokes his woody. That fat sausage really stretches RJ's hole! The viewer will get a nice peek at Tony's tight hairy bunghole as he bangs his new buddy. RJ shoots a large thick load of cum all over his chest while being fucked. Tony pulls out, yanks off his rubber, uses RJ's jizz as lube, and busts his nut on RJ's stomach.
Scene Two:
Christopher Saint
Handsome Brit Christopher Saint (short brown hair and a toned/smooth body) is in charge of a groovy new home 'n garden show called Homeowner's Rehab that just happens to be filming an episode near the lodge. Dude is stressed to the max to make sure the program is up to his high standards and needs some "special attention" from hunky carpenter Gio Forte (good-looking with a shaved head, beard, and muscular/hairy body). Gio has to take a leak and according to Christopher, there are time constraints and since everyone has gone home, dude can simply relieve himself in a bucket. Gio is more than happy to haul out his fat clipped cock and cut loose with a strong stream of man-piss. Christopher joins in by releasing his uncut dick and letting the good times roll. I guess there really isn't much of a time problem since Christopher sinks to his knees taking Gio's chubby pork down his gullet giving excellent head 'n making him groan with pleasure.
Dude loves sucking that meat and easily deep throats all the way down to full dark pubes leading to a forceful face fucking. Christopher chokes 'n gags on that cock making all sorts of hot wet sounds. This guy is obsessed with that piece of pork! Switching up, Gio chows down on his boss man's delicious unclipped tube steak sliding his mouth up 'n down, jacking the shaft, and cupping those big hangy balls. Christopher digs the top-notch blowjob filling the room with heavy breathing and repeated "Oh Yeahs" and demands that his nuts be pulled on! The guys beat off with Christopher squirting a big load all over his chest 'n places unknown and Gio spraying a large cum-load all over his employer. Christopher bends over hanging onto a work shelf leading Gio to spread those hot butt cheeks and munch down on that tight hairy bunghole.
Dude slides a rubber on and sinks in from behind to fuck Christopher doggy-style using long full strokes with plenty of excellent penetration shots from below. The viewer will be able to see Gio's furry crack as he gives dude a full butt-sex workout. Christopher's tight man-hole actually clings to the carpenter's tool! Gio ends up fucking Christopher fast 'n hard and really pounding that ass! The guys change positions and Christopher drills Gio's snug hairy man-chute missionary style quick 'n lubed with plenty of hot penetration shots from below/behind. This guy clearly digs being fucked filling the air with loud grunts. "You do that good!" Gio yanks on his dick and blasts another load all over his furry chest 'n stomach while being screwed. Christopher wildly yanks his prick and shoots a load that hits somewhere on the floor.
Scene Three:
Will Parker
Local Plumbers David Dakota (good-looking with short brown hair and a toned/lightly hairy body) and Will Parker's (cute with short dark hair, light goatee, and a toned/smooth body) truck breaks down miles from their next gig at the lodge. The guys have no choice but to hoof it and end up stopping to strip down while sneaking looks at one another's bodies. Will has beautiful full dark pubes that I find to be quite a turn-on. The guys grab their clipped cocks and cut loose with twin streams of piss that soak the ground with a loud splatters. Once finished, the dudes stand facing rubbing their rigid tools together and begin stroking each other. Will is soon down on his haunches blowing David's dick 'n giving some mighty fine head sliding his mouth up 'n down.
After some hot deep tongue kissing, David returns the favor by chowing down on Will's throbbing boner stroking the shaft, rubbing those plump low hangers, and taking that thang into his mouth. Will digs the suck-job and fills the woods with appreciative sighs, heavy breathing, 'n moans. David makes sweet delicious old-fashioned oral love to Will's manhood. The guys stand side-by-side pulling pork until David shoots a thick load and Will squirts love juice all over the ground. Will bends over leading David to roll a condom on and sink in from behind fucking that tight hairy butthole doggy-style. There are excellent penetration shots from behind of Will wiggling that hot bum as David bangs him with a quick 'n smooth tempo as both dudes fill the air with the lusty sounds of man-lovin'.
The sight of Will's hairy gooch and plump balls from behind is almost too much for me to handle! So fucking beautiful! "Fuck me! Come on!" David picks up the speed and drills his co-worker fast 'n hard. Will breathlessly exclaims, "I want a turn!" and fucks David's right shaved asshole in the missionary position fast 'n smooth with groovy penetration shots from above as David yanks on his hard cock. In the middle of their red-hot fuck session, David exclaims, "I know what you want" and proceeds to pull out a black dildo from his bag and cram it up hi buddy's willing hole while jacking David's straining prick making him shoot a thick load. Will stands up, works his pork, and squirts a thick load all over David's cock.
Scene Four:
Dean Flynn
Lodge guests Bryan Slater (good-looking with short dark hair, beard, and a toned/hairy body) and Dean Flynn (handsome with short brown hair and a muscular/hairy body) high-tail it out of a costume party for a breath of fresh air. After a bit of teasing small talk, they strip down showing off their clipped cocks and take a piss of the porch. Finished relieving themselves, the dudes stand facing each other with hard dicks pointing to the sky and kiss with deep wet tongues. Bryan sinks to his knees taking Dean's throbbing manhood down his gullet giving excellent head with some tasty face fucking. In return, Dean chows down on Bryan's big dick and sucks like a pro.
Both dudes are very into having their tools orally serviced. Dean gives some yummy deep throat all the way down to Bryan's dark brown pubes. He then jacks off and busts a thick nut on the deck while being mouth-drilled by his new buddy. Bryan pulls pork and lets loose with jizz on Dean's beautiful hairy chest. Dean sinks into Bryan's tight hole from behind and begins slowly fucking him in the doggy-style position using long full strokes. He picks up the speed and is soon nailing his new pal fast 'n smooth with plenty of excellent penetration shots from below. Bryan digs being porked and fills the air with loud moans, sighs, and groans of lust.
Switching up, Bryan lays back on a bench with his hard tool sticking straight up. Dean rolls a rubber on Bryan's cock, lubes him up, and slowly lowers himself down for a frisky game of the ol' sink/bounce. There are plenty of hot penetration shots from behind as Dean works his hips humping up 'n down and using circular motions to fill his hungry hairy man hole. Dean bends over leading Bryan to fuck him quick 'n lubed doggy-style with plenty of groovy penetration shots from behind. Dean lets out lots of sexy low moans and growls while having that hard cock crammed in 'n out of his tight little bunghole. Dean turns over and the dudes beat their meat to climax. Bryan is the first to pop and dumps thick jizz on Dean's stomach. Dean cuts loose with thick man pudding on his lower stomach area. The scene ends with a hilarious little surprise but I won't give it a way here.
Battle Creek Break Down is shot directly on High Definition video and presented in wide screen with a 16:9 aspect ratio. The picture quality is sharp and clean. The videography by Paul Wilde and Jeff Slurry is strong allowing for full coverage of all the action with hot close-ups of the cock sucking and butt sex penetration. The camera shots of the bungholes and ass eating are quite tasty. The picture quality is sharp 'n clean.
The stereo sound is clear which will allow the viewer to easily hear the dudes as they talk and then get down to the man-lovin' with lots of sucking sounds, moans, groans, grunts, 'n growls.
The disc includes an interactive menu, scene selections, chapter stops, a Behind-the-Scenes featurette that runs a little over fourteen minutes, and a collection of cum shots from the movie that's about fourteen minutes long.
I would love to spend the weekend at the Battle Creek River Lodge. How about joining me? Ha! Joe Gage directs with a firm hand and along with strong videography and editing, creates four sizzling scenes that are guaranteed to give you blue balls (or a wet pussy) while watching if ya don't "ease the tension". I love that Mr. Gage chooses to show the guys rolling on their rubbers. Safe sex is very important. All the dudes are hot, give energetic performances, and look to truly be into each other and the action. My favorites here are Will Parker and Tony Buff. What hot fuckin' dudes! I Highly Recommend.
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text:
22 Jan 2018 13:59
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text:
Today we went to the BrickUniverse Lego convention!
As soon as we walked in we spotted Mr. Tiger! (We got to see his original creator a few years ago!)
They had lots of different historical displays like this D-Day one.
They had several different themed areas where there were tons of bricks and you could build. I made this little flower bed.
Alice did a little more work and made this house!
While we were doing that, Jack was participating in one of the challenge sessions. Each person had a tub of random bricks and they had 5 minutes to build something on a certain theme before they were judged.
Some more models...
Before we left, both kids tried another challenge session.
It was a lot of fun! I wasn't sure what to expect, but it was big enough to be entertaining but small enough to not be overwhelming. Jack even found some minifigures he was wanting!


text:
Community News and Announcements
The Grade 9 students enjoyed a successful four-day trip to Hiroshima, Nara and Kyoto last week. This trip asks the students to take on greater responsibility by planning daily group activities with an itinerary, choosing restaurants for lunch, and budgeting their activities and meals. We also enjoyed several group experiences. This included visiting the Hiroshima Peace Memorial museums and park; listening to a first hand account of the Hiroshima bombing from a survivor; experiencing Zazen and a tea ceremony at Daitokuji Zuihouin; painting Kyo-sensu (fans); visiting Kiyomizu temple; making Wagashi at Kanshundo Honten; and enjoying delicious dinners together. Many thanks to the students and accompanying teachers for making this such a memorable trip!


text:
Being named the executor of a will brings with it a wide variety of important duties that must be carried out to meet the wishes of the decedent. If you have been named as an executor, here are several of the functions you may need to undertake:
Locate the will. Many times this will be left with the family attorney or kept safely with important family papers, or may even be stored in a safety deposit box at a local bank.
Retain an attorney. Not all estates require the assistance of a lawyer, but having one can smooth out any problems before they become larger or unmanageable for the executor.
Identify and protect the deceased person's assets. This may range from securing jewelry and other valuables, to making payments on real estate and other tangibles, or whatever an individual situation may demand.
Review the will and work with beneficiaries. You will need to make sure the will is, in fact, the deceased person's final will. You will need to notify beneficiaries named in the will and set up a bank account for the estate to start the process of disbursing assets.
Notify all other appropriate parties. This will include making sure creditors know about the death, making arrangements to appear before the probate court, sending death notices to all relevant parties, determine what debts the estate owes, contact Social Security and life insurance companies, and notify the IRS. Depending on your situation, there may be other parties to contact as well.
Continue paying bills as needed. Until real estate is disposed of, you may need to make mortgage payments, utility bill payments, and others as required.
Start distributing assets of the estate. In accordance with the deceased person's wishes, you will need to distribute assets to beneficiaries. In some cases, the transfer may be complicated to some degree, and if it is, you might consider retaining the services of an estate attorney to assist you.
File papers to close out the estate. Once all of your tasks have been completed, this is the final step you will take as an executor.
Raun Muntz O-Grady LLP serves clients in Los Angeles, Hollywood, West Los Angeles, Santa Monica, Beverly Hills, Anaheim, Orange County and communities throughout Southern California.


text:
Student Legal Service 2018
The UTS Student Legal Service has re-opened for 2018.
This service has been created by UTS together with the UTS Students' Association to provide students with free legal advice, or referrals where appropriate. It is a service that has been made possible as a result of the Student Services and Amenities Fee (SSAF). Check the SLS webpage for opening hours and details on how to book an appointment.


text:
When: October 13, 2017, 2:00 - 4:00pm
Where: Auditorium 106, College of Medicine West Tower, 1853 W. Polk St.
RSVP to email@example.com or through our website About the Talk:
About the Talk:Nancy López is associate professor of sociology at the University of New Mexico. Dr. López co-founded and directs the Institute for the Study of Race and Social Justice, RWJF Center for Health Policy and is the founding coordinator of the New Mexico Statewide Race, Gender, Class Data Policy Consortium. Her current work includes a national representative survey that examines the health outcomes of Latino immigrants through a new measure of racialization she calls "street race-gender"
About the Series: Building on important work that has documented extensive health disparities, this inter-disciplinary lecture series will explore why race is so consequential for health outcomes. Sessions will focus on a range of topics including how race matters for access to healthcare and healthcare delivery, how structural and interpersonal racism impact mental, emotional, and physical health, and how scholars, practitioners, and community groups can intervene to improve health outcomes for vulnerable communities.
You can view the lecture here.
For more videos from IRRPP, visit our youtube page here.


text:
The following is copy of an email I just sent out to 150 sportsmen and women in Vermont:
Call for Action:
1) The House Appropriations committee is taking up the Fish and Wildlife Department's budget this week. I contains cuts to two positions. Neither position will save the State General fund any money. It appears at least in part the Department is being a good soldier for the Governors push to reduce the number of state employees. Although I have no interest in taking away the Commissioners authority to manage his Department, this appears to be beyond that.
Please read the below reasons and if you agree contact your local representative and the chair of the appropriations committee and urge them to restore these two critical positions.
Two positions slated to be cut: 1) Conservation Planning Biologist (Jens
Hilke) - works with dozens of towns and hundreds of municipal officials
on fish and wildlife issues; and 2) Landowner Incentive Program
Coordinator (Jane Lazorchak) - works with hundreds of willing landowners
on habitat acquisitions to protect wildlife and enhance public access to
the outdoors.
* Sportsmen and conservationists work closely with the department as a
partner on a number of fish and wildlife projects designed to implement
the department's many wildlife plans - big game, non-game, and the State
Wildlife Action Plan. Mr. Hilke is the project lead on may of these
projects and the loss of this position will have a negative impact on
the department's ability to carry out its core functions.
* The department has a rich history of wildlife habitat conservation
through acquisition of priority parcels from willing sellers. Ms.
Lazorchak drives this work for the department and the loss of this
position will have a negative impact on the department's ability to
protect Vermont's priority wildlife habitats.
* 75% of salary and benefit costs of these positions are paid by
federal funds. 25% are paid by state funds.
* The amount of State funds involved in total is approximately $41,000
per annum.
* These cuts will not result in a savings of any general fund or other
Sate dollars. The State dollars involved are generated by the sale of
hunting, fishing, and trapping dollars. By law, these dollars must be
spent by the fish and wildlife department for purposes related to its
mission. They may not revert to the general fund nor may they be
reallocated to other departments.
* The department has several other options, including not hiring (two
to three) seasonal employees, which will save more money and not put on
going department staff, projects and programs at risk.
* If these two cuts are occur, the department will loose access to and
the ability to fully spend out specially earmarked federal monies (for
example there is $600,000 in Landowner Incentive Program funds which are
awaiting allocation and will go unspent).
* Cutting these positions will leave federal money on the table and
further hinder the department's efforts to insure that private land will
be open for public hunting and recreation access.
Heath of Westford, *Chair*
Heath, Martha, Westford, VT
(802) 893-1291
E-Mail: firstname.lastname@example.com
Larson of Burlington, *Vice Chair*
Helm of Castleton, *Ranking Member*
Acinapura of Brandon
Crawford of Burke
Johnson of South Hero, *Clerk*
Keenan of St. Albans City
Manwaring of Wilmington
Miller of Shaftsbury
Minter of Waterbury
Winters of Williamstown.
email and home phone numbers available here or http://www.leg.state.vt.us/lms/legdir/alpha.asp?Body=H
2) Also scheduled is a hearing on H.243 in the House Ways and Means committee. this bill is endorsed by the NRA, the Fish and Wildlife Dept and most hunting related groups in VT.
for more visit my blog:
is it time for vermont's apprentice hunting effort?
Wednesday, March 10, 2010
8:30 AM H. 243 - An act relating to the creation of an apprentice hunting license
Michael O'Grady, Legislative Counsel, Legislative Council
Rep. Michael J. Obuchowski, Chair email@example.com
Rep. Janet Ancel, Vice Chair
Rep. Carolyn Whitney Branagan, Ranking Member
Rep. Alison H. Clarkson, Clerk
Rep. Jim Condon
Rep. Adam Greshin
Rep. Steve Howard
Rep. William F. Johnson
Rep. Jim Masland
Rep. Dave Sharpe
Rep. David Zuckerman
It is critical for both of these bills that you contact the committee chairs. Send and email or call the Sargent of Arms (802- 828-2228) and leave a short message saying in the case of H243 that you support and for the FWD budget you oppose the position cuts. Please call or email today as the cross over deadline is this Friday.
Thanks for caring,
Eric Nuse
Fair chase hunting: Moral? Ethical? Hunter preference?
We also look at core issues related to the future of hunting such as hunting ethics, hunter
education, the public trust of wildlife, and the North American Model of Wildlife Management.
Tuesday, March 9, 2010
Stop VT FWD position cuts & Support H.243 Hunter Apprentice Bill
Posted by Eric C. Nuse at 8:58 AM
2 comments:
I got this reply from Martha Heath:ReplyDelete
Thank you for your helpful input. We are looking for a way to restore funding for these positions. It is a challenging year and we will do the best we can. Thanks again, Rep. Martha Heath
You can also check out https://woodburysupplies.com/ for their outdoor recreation and sports products.ReplyDelete
Subscribe to: Post Comments (Atom)


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Inspirations tagged with 'Positive Attitude'
2 Items
Focus on the Positive
Looking for the positive in every situation is difficult, if not impossible in some situations. However, the more we focus on the positive, the better things go. With practice, as demonstrated by Michael Jordan, it is possible to "always turn a negative situation in a positive situation." Look for the positive, find it, embrace it and use […]


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4 Reasons ESL Students Take English Courses for Durham CollegeSource: CultureWorks


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This book was originally published in four large volumes which appeared at intervals and at a cost that was necessarily beyond the means of many whom I would have been glad to reach. It is therefore particularly gratifying to me to know that arrangements have been made for its appearance in a form that will appeal to the large public of average means who could never have put the earlier edition upon their shelves.
Since the publication of that issue I have submitted the work to considerable revision, and in doing so I have been able to profit by not a little new knowledge. In especial I have been able to give a more correct account of the circumstances attending Lord Fisher's resignation and a much fuller narrative of the great opening battles in France. All this new matter, which includes all the pages devoted to the Battle of the Marne, has hitherto only appeared in a one-volume edition which was of necessity very considerably abridged. In the present edition, therefore, it takes its place for the first time in the complete work. The reader thus obtains a narrative that not only appears in a form far less costly than its earlier issues, but is also fuller and more correct.
This book, as I have elsewhere pointed out, strives to follow throughout the methods and balance of Defoe's Memoirs of a Cavalier. It is a contribution to history strung upon a fairly strong thread of personal reminiscence. It does not pretend to be a comprehensive record; but it aims at helping to disentangle from an immense mass of material the crucial issues and cardinal decisions. Throughout I have set myself to explain faithfully and to the best of my ability what happened and why.
I write this new Preface in a day of extraordinary difficulty and danger. So strange indeed is the present international situation that it passes the wit of man to say what new portent will have appeared in the European sky by the time these words see the light. Armed to the teeth and feverishly adding to their armaments, the nations of Europe are asking themselves, "Is this the peace for which we fought? What have all our sacrifices brought us? What is coming next?" Is it possible that the appalling drama with which this book is concerned was enacted in vain? Is it conceivable that in our own day the hand of Destiny will raise the curtain on a tragedy of even greater horror?
These are gloomy questions, but History's answer need not be gloomy. The attainment of a genuine peace should not be beyond the reach of human wisdom inspired by human goodwill. But if we are to escape a cataclysm fatal to civilization itself let us lay to heart before it is too late the lesson, writ large in these pages, of the tragic years 1914–18, a lesson that the events of this Autumn have only too bitterly emphasized—the paramount necessity of preparedness.
November 22, 1938.


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indicates that the code in the following block should be performed either atomically or using transactions.
For an example TsList.pge
The actual machinery may not be a single operation and is indeed platform dependent. Here, atomicity is a property of the code block indicating that it is synchronized such that intermediate states are not visible from external processes. Hardware implemented atomic operations are used if they are suitable and available. An atomic block has, at minimum, acquire/release memory semantics on all accessed memory locations if pure or DAG. Imperative atomic blocks have sequentially consistent memory semantics. If atomic operations are not available or suitable, transactions and/or mutual exclusion are leveraged. Atomic blocks are explicitly thread safe.
Atomic blocks are typically DAG functions or pure functions. When combined with the imperative or opaque keyword, however, the runtime does not perform any synchronization. Instead, the implementer is responsible for ensuring/proving the atomicity of the code. In this case, atomic is simply an indicator to the runtime that the function is thread safe. All pure functions are implicitly atomic.


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Pain after Spinal Surgery
As soon as a mere few weeks after spinal surgery, many patients start suffering from strong pain again, following a short period without pain. Internationally, this phenomenon is known as Failed Back Surgery. The reason for the pain is usually scar tissue, also known as epidural fibrosis.
Post-Nucleotomy Syndrome
During spinal disk surgery in the lumbar area, it is inevitable to open the epidural space and operate there. In recent years, even when using the most sophisticated of techniques, very subtle hemostatis and fine mechanics, it has not been possible to significantly reduce the number of fibroses, meaning excrescent scar tissue. Statistics on this phenomenon vary greatly, ranging from between 7 to 43 percent. Commonly, the rate of fibrosis amounts to between 10 and 15 percent and can not be predicted for individual patients. In our clinic, about one third are fibrosis patients. A short period free of pain for two to three weeks, followed by a renewed appearance of very persistent pain is typical for a fibrosis. With the help of contrast medium, magnetic resonance tomography shows the difference between scar or disk tissue that has slipped after surgery. Unfortunately, therapy for fibroses is very limited since operating again on the scar yields little success and even leads to a more pronounced scarring. Attempts at fixation through surgery are met with little chance of success.


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You want exceptional investment returns with minimum effort?
Here's the man who says that his strategy can.
We have the honor of interviewing Tobias Carlisle, Fund Manager of Carbon Beach Asset Management and Author of "The Acquirer' Multiple" in this episode of BidAndAsk:
Key Topics We Discussed During The Interview
- 0:20 - 2 Strategies That Allow Small, DIY Investors To Beat The Market, With Little Effort
- 3:08 - The Acquirer's Multiple
- 5:26 - 3 Tell-Tale Signs You Must Avoid
- 6:45 - How to Quantify Value with "The Acquirer's Multiple"
- 7:42 - Why Quantitative Deep Value Investing Strategy is Suitable for Beginners
- 9:26 - The Broken Leg Phenomenon and How It Can Affect Your Investment Returns
- 12:58 - Why It is Difficult For Most Investors To Practice "Acquirer's Multiple"?
- 15:13 - Why Tobias Thinks You Cannot Invest Like Warren Buffett
- 17:04 - Can You Apply "The Acquirer's Multiple" in the Asian Stock Market?
- 21:46 - How Many Stocks Should You Invest In?
- 26:17 - #1 Investing Advice That Tobias Says You Should Avoid
- 28:32 - 2 Strategies that Carbon Beach Asset Management Use To Help Their Clients Beat The Market
- Useful Resources
2 Strategies That Allow Small, DIY Investors To Beat The Market, With Little Effort
When it comes to investing, most people will reference Warren Buffett. We have mentioned in our recent videos, why you cannot invest like Warren Buffett, the billionaire.
Instead, here are 2 strategies that allows the DIY investors with smaller capital to beat the market:
- Joel Greenblatt's "The Magic Formula"
- Tobias Carlisle's "The Acquirer's Multiple"
"The Magic Formula"
In 2006, Joel Greenblatt wrote a book called The Little Book that Beats the Market in which he introduced an investment strategy called the "The Magic Formula".
It is a simple quantitative application of Warren Buffett's investment strategy; "buying wonderful companies at fair prices"
In summary, "The Magic Formula" points out companies that are:
- very profitable (have very high returns on invested capital) and,
- fairly priced (based on an operating earnings to enterprise value ratio)
Does "The Magic Formula" really work?
In 2012, Tobias Carlisle partnered with a PhD student from the Byrd School of Business, to test "The Magic Formula".
They applied extreme market conditions to test if "The Magic Formula" could still deliver market beating returns.
And they found that it does in fact beat the market pretty comprehensively!
"The Acquirer's Multiple"
Tobias and his team did not stop there.
"The Magic Formula" was known to relied on two factors - "quality" and "value". Tobias' team broke down the returns to find out if the factors contributed equally to the returns.
Surprisingly, they discovered that the quality factor (i.e. return on invested capital) actually dragged down the return. If used alone, it would have underperformed the market.
On the flip side, the value factor (i.e. the operating income on enterprise value factor) generates all of the returns and more. It was able to mask the negative effect from the quality factor!
Tobias' theory on why "Return on Invested Capital" dragged down returns?
Investor strategist, Michael Mauboussin has been searching for distinct reasons that could point out companies which could maintain their profitability over 10 years.
He studied companies within rolling 10-year periods and used DuPont Analysis to break down and determine what drives their returns. However, he has yet to find a scientific method that consistently identifies stocks that can outperform in the following 10 years.
However, he did notice that at the end of the 10 years, that about 4% of stocks do maintain their profitability over the full period.
Which leads to the next question: "are you able to identify that 4%?"
Further studies are not conclusive. The ability to identify the 4% is through random chance.
The "return on invested capital" could be due to one of two things:
- a moat (i.e. good)
- the company at the top of its business cycle (i.e. bad)
This means that if you invested based on "return on invested capital", there is a chance of getting into companies that are at the top of their business cycle.
Tobias believes that by removing the "return on invested capital", you can get better returns.
Hence, the Acquirer's Multiple only relies on the 'Value' factor:
How to Quantify Value with "The Acquirer's Multiple"
The Acquirer's Multiple = Enterprise Value / Operating Earnings, where:
- Enterprise Value= Market Cap + Preferred Equity + Non-Controlling Interests
+ Total Debt - Cash and Equivalents and,
- Operating Earnings = Revenue - (Cost of goods sold + Selling, general and administrative costs + Depreciation and amortization)
Tobias reveals more in his book, The Acquirer's Multiple as well as at his website, www.acquirersmultiple.com.
In a nutshell, Tobias looks for companies that are:
- Cheap,
- At the bottom of their business cycle,
- Generating lots of cash flow,
- Have cash in the bank,
- It's okay for them to not be 'great' companies at the point of investment
He also reminds us that a value investor's advantage is his ability to hold investments over longer terms.
A 'bad' looking, deep value company with sufficient cash and cashflow would be able to survive through your investment period of at least 2-3 years.
He noticed that once the company survives the 'bad' years, it tends to start looking healthier and doing better.
3 Tell-Tale Signs You Must Avoid
The 'Value' factor alone is great. But some companies deserve to be priced lowly because of their situations. They do not hold any value that you can unlock.
Tobias suggests digging deeper into the company's financials. You should look out these 3 tell-tale signs:
- fraud,
- earnings manipulation
- financial distress
From Tobias' experience, you'd often find them all together.
And, these situations are often only detected after the collapse, rather than during the bull market. Simply because it is easier to connect the dots only after a collapse.
Value investors have to be vigilant during the bull market, and do their due diligence before investing in deep value stocks.
How to Identify Potential Fraud In Companies
As a fundamental investor, you'll need to look at a company's financial statements.
Tobias suggests that you should ask the following questions when you are analysing the financial statements:
- Does the cash flow match the reported accounting earnings?
- Does the reported assets match the cash flow?
- How much money does the company have in the bank?
You should avoid companies that have conflicting figures.
Why Quantitative Deep Value Investing Strategy is Suitable for Beginners
Truth is, it's actually very difficult to pick out all the intricacies of financial statements when you first start out.
You can learn all about financial statements at a university or through a CFA, but it takes experience and practice to really understand how the numbers really work, the subtle hints within the numbers and how one industry varies from another industry.
A good quantitative method employs criteria that removes the need for an investor to analyse financial statements deeply, by themselves.
It gives you a simpler way to work with the numbers.
With that said, Tobias also noticed that new investors may not be clear about their investing goals.
Many are satisfied with market returns, and they really don't need a DIY approach to investing.
His advise for new beginners investors is to buy a cheap index fund to get market returns, while they learn about the intricacies of investing.
For those who want to beat the market, you should know that it's very very difficult to do. Even the professionals can't do it most times.
Tobias Carlisle on "beating the market"
Tobias mentioned that the only way for an investor to beat the market, is to do something different from the rest of the market.
Instead of buying hot stocks like Tesla, Netflix or Amazon, you'd be investing in companies that nobody's ever heard of, or they think it's a disaster.
You hope to be proven right (based on your research and analysis) down the road.
At the same time, you must understand that there's always a risk that there's a black swan out there, and it could send the company to zero. That's why it's cheap.
As an investor, you should be going in and finding other things that could sharpen upyour analysis of a company.
With all that said, you've to bear in mind that you might be finding a broken leg too:
The "Broken Leg Phenomenon" and How It Can Affect Your Investment Returns
Research have shown that statistical rules tend beat the experts' results.
An expert who is given access to the simple statistical model, but decide not to follow it, usually does worse than the model. This is due to "The Broken Leg Phenomenon".
What is "The Broken Leg Phenomenon"?
Imagine you have a model that tells you whether somebody will go to the cinema on a Friday night. This model could include criteria like; "whether it's raining or not", "the type of movie that's on", etc.
And you learn one day that a movie-goer had a broken leg. That information has not been considered by your current model.
Should you include that as a new criteria in your current model?
The answer is NO.
Because you'll find too many reasons to override the model, to many new criteria for your model; there are just too many "broken legs".
Impact of 'The Broken Leg Phenomenon" on Your Investing Return
Tobias warns that when you're looking at deep value companies; they've all got "broken legs". And the "broken leg" is the reason why they're cheap!
When you buy a company knowing that it's got a "broken leg", you believe that once the broken leg gets fixed, the company should be trading much higher.
If you eliminate a company for your own reasoning, you might be picking out the stocks that could potentially bring you the excess returns.
By the way, Joel Greenblatt has also mentioned that people who try to cherry-pick from the list of "Magic Formula" stocks, did worse than the index.
Why Is It Difficult For Most Investors To Practice "The Acquirer's Multiple"?
Firstly, Tobias have noticed that it is very confronting to learn that a model that is as simple as "The Acquirer's Multiple", seems to do very well over long periods of time.
Especially since about 80% of professional money managers can't beat the market.
Most investors simply can't believe that this is all you'd need to beat the market.
Secondly, as with most value investing strategies, the "Acquirer's Multiple" does experience periods of underperformance.
And when it's underperforming, investors will start to question the strategy. Some will make tweaks that nullifies the system.
Tobias' Personal Experience With The Acquirer's Multiple
Tobias shares that he too has to struggle with doubts when he looks at his portfolio...and he does so frequently.
But when he looks closely at those stocks individually, often they check all the boxes;
- they have a lot of cash on the balance sheet,
- they are generating lots of free cash flow,
- they have lots of operating income and,
- they're very cheap.
This means, if these companies can survive for another 12 months, they should become much more valuable stocks thereafter.
And that's what Tobias and his team has experienced over the last 12 months.
He shares of a particular experience:
Last year, Airlines had a very good run. I was buying Airlines before Buffett announced that he was buying Airlines. There were six or seven of them at one time in the screen, so I bought them. And then shortly thereafter they announced that Buffet bought some of the same shares and that was a good one.
Tobias Carlisle's Experience with Airline Stocks
Why Tobias Thinks You Cannot Invest Like Warren Buffett
Most investors tend to follow Buffet and he has described his investment strategy pretty comprehensively in his letters. If you have read the letters, really what he's talking about all the time is how to find a moat.
However, most investors would not be able to follow Warren Buffett's strategy.
Instead, you'd probably do better if you can find a methodology that suits your lifestyle.
Tobias says "The Acquirer's Multiple" suits his investing style, plus it works if you can buy stocks cheaply enough.
But here's the funny thing. Apple came into my screen a few years ago and it was one of the cheapest 10% of large-cap stocks.
Probably because people were concerned that the iPhone is getting boring or there's other competition for the Apple TV, it got very very cheap. And so I've sorted the screen again and I tweeted out about it and told everybody that it was in the top 30 cheapest socks in the States at the time in the large cap sector. And Buffett bought it afterwards.
Tobias Carlisle On 'Apple'
How Buffett Invests...
Tobias have noticed that Buffett buys companies at such huge discounts that it doesn't actually matter if a moat exists or not.
But he also notes that Buffett has more than 60 years of investment experience. So he has the ability to look at super cheap companies and decide if they have a good chance of surviving and maintaining their moat.
Most of us don't have that ability.
Can You Apply "The Acquirer's Multiple" in the Asian Stock Market?
In short, yes.
Tobias shares that here have been research done on the application of "The Acquirer's Multiple" to every developed market and every large stock market in the world.
In every developed market be it in Asia, in Europe, the U.S., the UK, Australia, New Zealand, it has been shown to be able to generate higher returns.
He is confident that "The Acquirer's Multiple" is very good at identifying the cheap stocks, the overvalued stocks, and the spread between the two. The bigger the spread between the cheap stocks and the expensive stocks, the better the return.
If you buy "The Acquirer's Multiple" stocks as a portfolio and if you have enough time, they will tend to beat the market.
Are Paid Financial Data Necessary For The DIY Investor?
Most countries have a pretty good financial data. There are lots of good services that help you with screening for cheap companies.
Of course, if you'd want the data calculated and churned for you, those services will require a fee. Most are not cheap.
Instead, you can hand calculate these things. You can find the financial statements to calculate the operating earnings and the enterprise value.
"The Acquirer's Multiple" ratio is revealed in its entirety in the book as well as on Tobias' website, www.acquirersmultiple.com
Should You Avoid Family-Dominated Companies?
Many investors are wary of family-dominated companies because it is believe that these companies do not wish to unlock value. They could become value traps that ties down your capital over a long period of time.
To counter this, Tobias suggests that you should monitor them over the course of a year to understand if the management or the major shareholder is abusing their position.
If you spot anything after the first year, you might want to get out.
But sometimes this is the "broken leg", or the reason that the stock is so cheap.
Hence, Tobias suggests that if the stock is considered cheap, even when you consider the potential value trap situation, it might be worth holding on.
You should still monitor and reassess the stock on a yearly basis.
How Many Stocks Should You Invest In?
In his previous book "Concentrated Investing", Tobias and his co-authors talked about two ideas;
- Diversification: how diversified do you need to be in order to be protected from any individual stock getting too big.
- Concentration: the way that you generate better returns.
Pros and Cons of A Concentrated Portfolio
An example of a concentrated portfolio is a portfolio of say, 5 stocks.
The problem with investing in a small number of stocks is that it is enormously volatile.
The performance of any given stock is essentially 20% of your whole portfolio. If one of those companies goes to zero, you would have lost 20% of your capital.
Tobias tells us that concentrated portfolio works well in backtests. (which are not exposed to potential impulsive decisions made by investors)
With a good metric, you will tend to get better performance with a concentrated portfolio.
If you experience a crash and the markets down 50%, you might be down 80%. But on the flip side, when the market goes up 30%, you go up 50%.
However, there's a lot of risk in managing a concentrated portfolio. Tobias urges that unless you are very experienced and know how to manage your bids well, most investors should avoid using a concentrated portfolio.
How To Use The ''Acquirer's Multiple" to Manage a Concentrated Portfolio?
Using "The Acquirer's Multiple" screener, you can either select the top 5 or carry out qualitative analysis on stocks that appear on the top of the screener and fish out 5 suitable stocks.
Again, you have to be careful with a concentration portfolio because there's a lot of volatility and you can lose a lot of money.
How To Use The ''Acquirer's Multiple" to Manage a Diversified Portfolio?
If you are going for a diversified portfolio, then you would want to buy the cheapest stocks.
You're better off with about 20 - 30 positions. That means if any one of them goes to zero, you've lost only ~3.3% of your capital.
#1 Investing Advice That Tobias Says You Should NOT Follow
There's a lot of bad advice out there. We asked Tobias Carlisle for the ONE he hates most.
Tobias' #1 peeve is the "efficient market hypothesis". He says it makes investors think in the wrong way.
However, he admits that if you don't want to spend a lot of time thinking about your investments, it's probably not a bad way to go.
The efficient market hypothesis, is a bad philosophical background for a pretty good idea of just buying the market index.
Tobias Carlisle on the "efficient market hypothesis"
He explains why:
If you buy the market index during the bull market, it's filled with very expensive, overvalued stocks.
Indices are market capitalization weighted, which means the more expensive the stock is, the bigger proportion of the portfolio it takes up.
So if you're buying the market index during the bull market, you are buying a lot of expensive companies and the risk reward isn't very good.
How You Should Be Investing Instead
The advice above would be okay for folks who just want market returns, and cannot be bothered to learn more about investing.
As for investors who want more, Tobias thinks you're better off finding value—doing value investing yourself or finding managers who have a good process that's clearly articulated and that they actually adhere to that process.
You must also recognise that there will be periods of underperformance. These periods makes investors anxious and cause them to lose their conviction about the investment strategy that they're following.
2 Strategies that Carbon Beach Asset Management Use To Deliver Exceptional Returns To Their Clients
Tobias highlights the 2 main strategies they use at Carbon Beach Asset Management:
- Deep Value, Long Short Side Strategy
- Special Situations
1) Deep Value, Long Short Side Strategy
In summary:
- For the cheap companies, they go long.
- For the financially distressed, potential frauds, earnings manipulation, ugly balance sheet, deteriorating financials, they go short.
Carbon Beach go long on undervalued cash generative companies, or the hedges. I.e. If the market looks like it's falling or if the market goes into a downtrend, it would hedge in an effort to generate returns that don't match the market.
Carbon Beach also carries out additional research...
They dig into the company data to make sure the data is correct.
They look for other things that cannot be screened for.
They try to find things that might affect their valuation.
Once they decide on the valuation, they go quantitative from that point on. They'll buy and sell based on that valuation they had calculated previously.
Stop Trying to Analyse Businesses, Do This Instead
To add on to the previous point, Tobias emphasis that Carbon Beach does not analyse business at all.
The question of "will this business survive" is a very difficult question to foretell, and could lead to a broken leg phenomenon.
Instead, they ask if "the company's financial statements are accurate?"
If yes, they will proceed to making a buying decision quantitatively.
If not, Carbon Beach looks into the discrepancy between what the company is showing on its financial statements and what's actually going on in the business of the company.
If it indicates fraud or earnings manipulation, and that's a company that they would avoid.
Sometimes it could just be a timing issue or the way that the business generate income.
Some examples include; an insurance business that has difficulty matching assets and liabilities, or a bank that has a different style of balance sheet, or maybe a traditional industrial company.
Tobias emphasis that they don't eliminate stocks simply because they don't like the business. Rather, they look through the nature of the business and how it's reflected in the financial sentence.
2) Carbon Beach's Special Situations Strategy
The other strategy that Tobias and his team run is something they term: "Special Situations". It is a slightly more high level strategy that requires active management and deep research.
According to Tobias, a special situation is something that turns on a corporate act - i.e. there's a board level decision made to:
- sell an asset
- buy an asset
- buy back stock
- pay a special dividend
- return capital
- liquidate
- buy another company
- etc
When those decisions are made, sometimes there's a difference between where the stock is trading in the stock market and an implied valuation when the event closes.
They look for all of those different types of trades.
For example, the traditional merger arbitrage. When a company is being taken over. The bid might be $10, and the stock might be trading at $9.75. You could buy the company that's being taken over and short the company that's doing the acquisition, to try and get that arbitrage of $0.25 between the two.
Carbon Beach doesn't buy into traditional merger arbitrage directly, instead they wait until the deal gets into trouble.
If there's some risk that the transaction may not go through, or if it looks like the transactions are not going to go through, usually the stock prices will drop.
If Tobias and his team think that the company that's being acquired is still very cheap, they would weigh their odds.
The downside might be that the company doesn't get acquired. If that happens, Carbon Beach would have already bought the stock for cheap.
They'd also estimate the likelihood of the acquisition going through and factor the potential risk and reward into their analysis.
Tobias shares an example:
"Let's say the likelihood of the acquisition going through is a 1/5 chance. That would mean; there is 1/5 chance that you get a very good return. AND, there's a 4/5 chance that you end up holding a very undervalued stock—it should be worth more down the line anyway."
They'll look at a position and make an investing decision by weighing the risk-reward ratio for each scenario.
Their aim is to try to invest in the way that gives them the best expression of the risk-reward for the situation.
More about Tobias Carlisle
If you'd like to get in touch with Tobias Carlisle, you can reach him via Twitter, @greenbackd. He has just released "The Acquirer's Multiple", along with a free screener at www.acquirersmultiple.com, which has got the cheapest 30 of the top thousand stocks in the US at any given time.
Useful Resources:
- The Acquirer's Multiple Book
- Free Screener for The Acquirers Multiple
- 5 Unconventional Value Investing Ideas from The Acquirer's Multiple
- The Little Book that Beats the Market
- The Magic Formula
- DuPont Analysis
- Worldcom and Enron
- Quantitative Deep Value Investing Strategy
- Concentrated Investing
- Diversified Portfolio Vs. Concentrated Portfolio
- Kelly Criterion
- Carbon Beach Asset Management
- Deep Value
- Long Short Side Strategy
- Dr Wealth's Stock Case Studies


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We are happy to say to we were able to close of 15 tasks & bugs in 2 days. We are really starting to feel that we are approaching the final stages of the project.
But we are getting closer and closer to August, and we are still waiting for our last batch of assets, which are mostly the animated sequences so we might have to extend our dead line but we will keep the community informed of the exact change in our release schedule in the coming days.
In the meanwhile, we uploaded a new alpha to beta build on our servers for those who donated during our crowd-funding campaign, the Mac build is there but we will upload the Windows build today or tomorrow.
Please don't hesitate to send us feedback, negative or positive, we love to hear from the community ^_^


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You can have as many phone numbers with the same name as you want. To show only the primary number in the phonebook, go to the setup menu for the phonebook and choose View: Primary Contacts. Doing that will only show the one name that you marked as the primary number.
To see the other numbers for a contact, just select a contact and scroll down. All the numbers for that one contact should be there.


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Infrastructure as a Service
Infrastructure as a Service, or IaaS, enables your business to host its IT systems on our highly available platform, using the latest in virtualisation technology.
Why host your systems with virtualDCS?
Your peace of mind is our top priority in everything that we do. By choosing to host your infrastructure with virtualDCS, you can enable your business to run more efficiently than ever before. Infrastructure as a Service also removes the expense of having to purchase your own business servers, software, data centre space or network equipment.
Furthermore, our platform has been designed to be incredibly resilient and self-healing. This means that in the unlikely event of a failure, you will be up and running again within minutes. Our enterprise platform has been designed to provide 99.999% up-time and is monitored 24 x 7 x 365 by our team of highly skilled support team.
IaaS benefits
Partnering with virtualDCS provides you with even more benefits:
- Your business has no requirement to purchase or maintain its own Infrastructure.
- Cost effective resource scalability.
- Infrastructure patching and upgrades included, with no downtime.
- High availability.
- Platform licences are managed by virtualDCS.
- Access to managed backups.
- 24 x 7 monitoring, 365 days a year.
- Resilient connectivity.
- Reduce your carbon footprint with green cloud computing.
Infrastructure hosting
Many of our customers use our IaaS platform for the following:
- Proof of concept projects.
- Application Hosting; enabling business resources to grow as the solution does.
- Enterprise webite hosting.
- Business server hosting.


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Phone: 970-242-7000
Mobile: 970-261-7000
Fax: 970-245-4152
E-mail: firstname.lastname@example.com
Grand Junction Branch
700 Belford Ave
Grand Junction, CO 81501
In 2014, James Pulsipher celebrated his 20 year anniversary as a mortgage loan originator. With prior experience in processing and underwriting, James has built a purchase focused business platform that is entirely relationship and referral driven. Knowing that the key to success is in building a quality team and excellent system.
In addition to origination, James is the Regional Manager for Bay Equity's Mountain region.
James consistently ranks in the top 1% of originators nationwide and is approaching $2 Billion in career production. His hands-on approach in mortgage lending has helped contribute to his record of 99% approvals. James' impeccable reputation and attention to detail keeps customers coming back time and time again.
"We are so incredibly grateful for your excellence in your service! It's always been incredible on each and every purchase as you work with your team and their gifting's!! What a family you have!! Thank you for fighting for us!!! Much Much Love from The Wards!!!"
R. Ward
"James did a great job. He and his team communicated clearly throughout the process and made it easy on us. They operated with integrity. I would highly recommend him."
Michael D.
"Great service! Not only smooth in the closing process but above and beyond what we would normally anticipate from a lender. Chris Potter had mentioned his comfort level with the entire group involved in this process and we agree. This has been a stellar demonstration of how the process should work. Never a moment in which we as the buyers were concerned that any of the principle players did not have our well-being in mind as an integral part of a successful endeavor. Many thanks to you, sir for covering that potential gap of funding. We understand the circumstances that led to it and very much appreciate how you reacted to those circumstances."
Robert R.
"I clicked on a property I was interested in on Zillow, and was extremely fortunate to be introduced to James. James Pulsipher and his team were awesome to work with. They were on top of all the information the needed from me and definitely are TOP NOTCH when it comes to VA financing and getting me a good rate with an affordable mortgage. I HIGHLY RECOMMEND everyone to look James up for their financing needs. You will Not be disappointed."
Brent C.
"Excellent loan service by James and his team - on the ball from start to finish - he opened our loan and closed on our new home within 3 weeks!! My hubby and I would highly recommend James at Fidelity - he ROCKS!"
Angela S.
"James and his staff made this entire experience very smooth and hassle free. They were very efficient and knowledgeable and I would highly recommend them."
Thad S.
"Working with Fidelity Mortgage was a great experience. They made the process simple and easy. James & his team kept in great touch with us and responded within minutes anytime we had a question. We were able to send the requested documents to them through their floify portal by simply uploading them...it was quick and secure. We really appreciate the dedication and great communication we received. James is extremely professional and great at what he does! They have really streamlined their process and made us feel comfortable and well-informed. We highly recommend James Pulsipher and his team!"
Ryan L.
"James has provided help with every aspect of the purchase and refinance of my home. He has been thorough, quick, and responded to all my questions (as well as my families). I'm provided a team that works on my loan and who are also very receptive to any question I may have. With no reservation, I recommend James and Fidelity Mortgage. "
Jan B.
"James and his team made the process easy, simple, and enjoyable. We knew what to expect the whole time and if something came up where we had questions, they were a phone call or an email away to explain things. Usually I could get ahold of someone immediately but on the very rare occasion that I needed to leave a message, I would hear back right away. Tanya even reached out to an insurance agent on the weekend to make sure we were getting the best rate and ease one of my concerns. Lorrie was always there to let me ask questions and she always had the answers. James did our closing, and it was fun, lighthearted, and accurate. I can't say enough good things about James, his team, and Fidelity. This was our third time working with James, and we will not use anyone else. He, and his team, are the absolute best!"
Tyler & Beth B.
"James was so helpful, answered all our questions in terms we could understand and he would meet with us even if just for 5 minutes just to answer a couple questions. Helped explain why we were better off to use VA loan vs Others, there aren't enough good things to say about James. Thank you!"
Cody & Amanda C.
"Easiest, fastest, and most pain-free lending experience. James is so efficient. His entire team functions at the highest level. The document portal James uses makes the lending experience transparent and easy to follow. "
Zacharia L.
"We had a pre-approved mortgage fall through 12 days before closing. James and his team were able to get our mortgage done in 6 days to save me from losing my home. Please use him he is amazing."
Joshua B.
"James was simply amazing. He was the third lender that we applied with and the only one that offered and recommended the USDA home loan. The entire process was so easy and stress free thanks to him and his very helpful team. This was our first home and did not know what to expect. James was very thorough explaining what we needed to do and when to do it. The online document portal was very easy to use to submit all of our documents. James and his staff were very efficient and quick their correspondence when replying to any questions that we had. I totally recommend using James at Bay Equity, Fidelity. I cannot say enough to express how grateful we are with their service. "
James W.
"From my first contact with James, I received exceptional and thorough service. Contact started while I was still living in Washington state via email and by phone. James provided the guidance and knowledge I required in order to make my home purchase as smooth as possible even though we had some road blocks due to required income documentation that I did not have immediate access to. And at a time I did not have access to my on line banking James was able to assist in acquiring that required information too. Although James is an extremely busy man, I felt he personally cared for my successful purchase and I would recommend James and the Fidelity team to anyone. "
Gloria A.
"James has helped our family in more ways than he could ever imagine. Our dream was to be homeowners, and from day one James had faith in us and helped us in every way possible to achieve our dream. His responsiveness was above and beyond, his follow through is also amazing and most of all, his knowledge is incredible. He taught us how to prepare for a mortgage and how to get approved, and he helped us through the entire process. We couldn't have found a better person to help us open this new chapter in our lives. We would not have our own place to call home without James!"
Danielle M.
"I have closed on 11 loans now with James since 2000. Some were new purchases, some were refinances. Everyone has been a great experience! I look forward to our next transaction! "
Jason S.
"James and his team were wonderful! Totally professional and immediately responsive to everything. I received emails and callbacks all times during the day and evening and even on the weekends. James was thoughtful enough to email me after closing (while on travel) to make sure everything went smoothly. I will recommend James and his team to everyone I know in the future. "
Michelle G.
"James and his team are AWESOME!!! It was all a matter of me getting them the documentation they needed and after that it was smooth sailing at every milestone from beginning to end, it was very reassuring knowing from the beginning that we were approved through underwriting with the exception that nothing changed and re- verifying everything. James really stood up to his reputation as one of the best if not the very best in town. Thank you so very much! "
Zacharia A.
"James was purely professional and his staff is too! I highly recommend James and his Staff , they were able to refi my 20 year old mobile home into a lower rate with cash out and less fees! My family is so grateful to have done our loan with James and his staff! "
Jeff and Brenda D.
"James and his team were extremely helpful in our first home buying experience, they always followed up with questions, matched competitors with lending services, and worked with us and our schedules. Would highly recommend Fidelity to anyone. "
Lucas F.
"James made the home buying adventure easy, smooth and seamless with his expertise and responsiveness. He answered all my questions quickly and thoroughly. Its obvious he is an expert in what he does and it honestly made the whole transaction painless. I really like that e-signatures were available for everything up to the date of closing and the electronic document portal that he utilizes is user-friendly and incredibly convenient. I recommend James to everyone! "
Mary B.
"I had a great experience with James and his team. We were able to get a great rate and cut years off our mortgage. The process was very smooth and I love how you upload documents to a portal. This made it so you can be involved in the process as well as being kept up to date."
John M.
"I had tried with my former mortgage holder to refinance. After three months I was turned down because of the condition of my roof. I wanted the refinance so I could repair the roof. It became depressing. A good friend recommended James to me. I explained My situation. James found a solution to my problem. I closed within a month with James help. Thank you James. "
Stan N.
"I have used James for years with multiple purchases and he has always demonstrated the utmost professionalism. I will only use Fidelity because of James timeliness, attention to detail and ease of going through a home purchasing process."
Linda H.
"We were referred to James by a local realtor. She told us "James is the best!" She was right. There was no obstacle too high, no corner he couldn't turn. Even with a couple surprises thrown in near the closing date he was unflappable. He pulled it all together and our closing went perfectly. We will refer James to anyone we know needing a mortgage or to refinance their current loan. Thanks James and the Fidelity Team!"
Teri T.
"Excellent experience with James and Fidelity. This is my fourth transaction with Fidelity and the service has always been excellent. The communication throughout the process was very good, including the emailed video clips informing you of next steps in the process. The realtors involved and the title company were all very complimentary of Fidelity Mortgage, stating that this was one of the smoothest transactions/interactions they have ever had with the mortgage company. They are the best in Grand Junction."
Kevin G.
"James is so amazing! This is the second time he has helped me buy a house and I just love the commitment and service he gives to his clients! No matter the question I emailed him, he would answer right away and completely. He is extremely knowledgeable on all sorts of loans and is such a great resource on anything you don't understand or are wondering about! I will never use another lender as long as he and Fidelity are around!"
Callie B.
"James Pulsipher and his team were amazing. He was very professional and a class act. I think what I was impressed with most was you never had a long wait to get information or the process done. I would/will refer James to anyone I know who was serious in buying a home."
Jack R.
"THE BEST! I was referred to James and his team by several people. They all said "if anyone can get you approved it would be James at Fidelity Mortgage" BUT BUYERS BEWARE... once you are approved they send you a coffee mug... just one more thing to pack. I wish they have have sent a moving truck? I highly recommend James at Fidelity mortgage."
"Just wanted to thank you for making the home buying process as easy as possible. Your reputation is such that it seems as soon as realtors know YOU pre qualified us, they line up knowing it's a done deal. You're the best."
"I was treated with the utmost respect from James and those who work with him at Fidelity. They took the time to walk with me through all the paper work, emotions, fears and accomplishments. Thank you to everyone who helped me with this milestone in my life. You are amazing!"
"Keep doing what you are doing. Service is great and who could ask for more. You are always my "shining star." "
Kathy (Realtor)
"James is always on top of everything!! He went to the buyer's home to have them sign to make it easier for my buyers because of his busy schedule! They were very pleased with his knowledge & ideas that he would give them to make their decisions."
Barb (Realtor)
"James was wonderful to work with, he is very kind, organized, and helpful! He made this experience great for me! "
"My experience was amazing and so smooth with James, I will most definitely be sending my friends and family to him in the future."
"You & your team truly exceeded my expectations! We had a VERY short time frame to close this house. I can't believe how FAST you got the appraisal done and underwritten, everything went SO SMOOTHLY... or at least you made it seem that way. I can't thank you enough for what you did for my client!"
"Easiest approval process we have had! Everything was very straight forward."
"Fidelity mortgage came to our rescue after having nothing but hassles with another lender. They expedited our loan quickly and professionally and now we have a great home to show for it."
Brian H
"Being a first time homebuyer was made easy and a joyful experience. Everyone in the office was so pleasant and I sure feel like they all went out of their way to make it go as smoothly as possible for me. They were fast and efficient in all they did."
Renata Muniz
"Extremely organized and painless all the way through! I have every intention of using James and James alone for any future needs."
Cory Black
"At the last minute when an outside hurdle came up, James responded with a solution before I knew the problem!!"
Jim Brunswick (Realtor)
"I needed to close quickly and for a home out of town, they managed to get everything completed and any issue that came up they were right there to help me get through. "
Jennifer Eddins
"I was a bit nervous to start the buying process thinking that it would take forever and require extensive searching for years of past paperwork. When I met with James for the first time, all of those worries were gone!! He was amazing! The entire process was smooth and professional! I couldn't be happier! "
Andrea Blaney
"James Pulsipher is a lender who works very hard for his clients and collaborates with others in the Grand Junction real estate community. He responds to emails or phone calls and strives for accuracy. When I have worked with him, I could recommend him to my buyers knowing that they could get the loan information they needed in a timely and reliable fashion."
Davienne Jacobson Broker Associate at Bray Real Estate CO
"Dear James, Kim, and mortgage team. All of you clearly define professionalism, organization and even manage to keep everyone on track! Anyone I encounter that is looking for any sort of loan or mortgage help, I refer them to Fidelity Mortgage! Thank you all again for your hard work."
"Yourself & all your office crew made the whole process go so smooth. The closing was even fun! Also the added info you have sent out just like this e-mail proves to be useful. Thanks for everything & I will keep in in mind when I need a fax or any info or a referral to you."
"Fidelity was a wonderful company to service my loan. The employees stayed on top of things through the entire process which allowed me the freedom to work knowing they had my back. Everyone from the front desk to the back offices was friendly and helpful. I felt as if I was the only customer. Fidelity has my recommendation and I will use them for my next purchase! Thanks James, Kim and Tanya!"


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Posted: Monday, February 22nd, 2016. 3:09 p.m. CST
By BBN Staff: On Saturday night in Mahogany Heights, Belize District, police were called to a fight in progress in front of a grocery store and upon arrival, saw a male person suffering from multiple stab wounds.
Initial investigation revealed that 23 year old Jerson Grinage got into an argument with another male person who inflicted stab wounds to the back of his head, forehead and right side of the face.
Grinage was transported to the Karl Heusner Memorial Hospital for medical treatment and police have since detained one man pending investigation.
© 2016, BreakingBelizeNews.com. This article is the copyrighted property of Breaking Belize News. Written permission must be obtained before reprint in online or print media. REPRINTING CONTENT WITHOUT PERMISSION AND/OR PAYMENT IS THEFT AND PUNISHABLE BY LAW.


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is the attribute that you have chosen to improve on.
To rely less on my own abilities, knowing that I can handle things with the use of slaves more effectively,
is the specific area that you would like to focus on.
And the following are your personal goals to improve in this area.


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A few weeks ago I had a hankering (yes hankering) for homemade yogurt. Once you've had homemade yogurt you are spoiled forever, and once you know how easy it is to make you feel like a dummy for eating crappy store yogurt for so many years. There are many ways of making yogurt and the web is full of all kinds of instructions, here is how I made yogurt last week with limited supplies. First you need a starter, so I went to the health food store in Mazatlan, it's on Zaragoza and I can't remember the name, across the street from the little Zaragoza plaza. Once you find your way there you buy a small container of their homemade organic yogurt which you will use as a starter. Your starter has to be plain yogurt, no flavoring or sugar. You take 2 heaping Tbsp of it and put aside, the rest you eat. If you don't want to make yogurt right away you can freeze your starter until you are ready ready. I checked the weather forecast and picked a day that was supposed to be hot. I heated up 3 cups of milk in a pot on the stove...you must stand there and stir so the milk does not burn, heat the milk to about 180 F (never boiling) try to hold that temperature for about 5 minutes at least, maybe even 8-10....I usually get tired of stirring at about the 5 minute mark and call it good. Now I put some cold water in my sink and put the hot pot in the cold water to cool the milk off fast, cool it until it is about 100F, then you put your 2 tbsp of room temperature starter into the milk and whisk to make sure it is stirred. Now you need an incubator, be creative. I pour the milk into a mason jar and put a loose fitting top on it (a little bowl turned upside down on the top, then I wrapped it all in a tea towel and put into a plastic bag and tied the bag shut. Then I set it out in the hot sun (on top of my fence) like so
|Yogurt incubator
Now on to some other random stuff.....
|I'm doing a little knitting in the evenings in my hammock
|Petra lived for 99 years.
I see this bus all the time parked in front of an orphanage on Zaragoza, it was donated by the Rotary club in Grande Prairie a few years ago. If I remember right they also donated a fire truck and an ambulance. I saw a school bus today from the Lethbridge Rotary Club at the La Vina Church. Way to go Rotary Clubs!
Now on to the singing/whistling cowboy that lives 2 doors down.
|This is Cowboys everyday riding horse, here he is giving his grandchildren a ride. He rides with them almost everyday.
|This is the horse that he is training, when he rides him he ties a handkerchief (remember those) over his face
|He is completely blindfolded and must trust cowboy completely to guide him.....it's been an interesting process watching the bonding between them.
Moving on.....told you this would all be random. Do you remember Orange pop, the real orange pop, made with real sugar instead of corn fructose, in a real glass bottle? They still have it here, and the Coke is made of real sugar too.
|The real deal
|an artsy one
|Done for the day
|Why it's called Stone Island
|Workin hard on the deep blue sea
|How could you ever have a bad day if you start it off like this, gratitude flows so easily at sunrise


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Whenever I see truffle on the menu, I always get that indulgent feel. That ingredient somehow exudes that feeling that makes one really go ahead and dive in!
This pasta bar in town focuses on bringing quality pasta dishes. With their multiple pasta concoctions, there's really a choice for everyone dining here. The place has this rustic feel with all the wooden interiors that makes one feel comfy. It was quite spacious too.
For their pasta, it's quite customizable. You first choose the sauce, then the type of pasta and any additions you might want to add in. Yup, it's a DIY type of place but if you're confused, you may ask their servers away! They would really gladly recommend a pasta for you. 😉
I liked how the egg complemented the potatoes and meat on this starter. It was flavorful and a good dish to start with.
And this is their take on a well-loved Pinoy breakfast. With the addition of chicken (for P60), it was a bit on the sweet side. It was probably due to the tapa they used but it would've been nice to tone that sweetness, and have more of the tapa flavor.
Their signature dish would please any truffle lover. We had spinach added for only P40 that paired well with the whole dish. The truffle taste wasn't that strong that if you have only one dish here, make this your choice.
It said on their menu that this was "filled with surprises". Not sure about the other ingredients but this sure had truffle in it! You would immediately taste it upon first bite. A bit on the crusty side, this is one good and sweet finish at this bar.
With all the pasta choices here, they really have a dish for everyone. Aside from that, they have tapas and salads to pair their tasty dishes. It's a pay-upon-order type of service here which makes it faster when it comes to the exit part. It could be one of those quick lunch outs or chill dinner spots.
So what are you waiting for? Go ahead and indulge in the dishes of this pasta bar. 🙂
Trufa Pasta Bar
Unit A, Planters Building,
109 Esteban Street, Legaspi Village,
Makati City
Facebook: https://www.facebook.com/trufaph/
Instagram: https://www.instagram.com/trufaph/


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Venture capital (VC) firms invested $1.58 billion through 148 deals in healthcare IT companies, rising 66% year-on-year, a report by Mercom Capital Group. Private equity and corporate venture capital firms invested $1.19 billion (139 deals) in the second quarter of 2015 and $956 million (212 deals) in the same quarter of last year.
Healthcare practice-centric companies raised $357 million in 42 deals; consumer-centric companies raised $1.2 billion in 106 deals; mobile health companies ranked second with $319 million in 59 deals, with mHealth apps receiving $206 million; wearables/sensors receiving $88 million; Personal health and wellness companies accounted for $114 million in 17 deals, followed by practice management companies ($72 million in 5 deals), telehealth ($65 million in 14 deals) and data analytics ($61 million in 14 deals). The top VC funded category this quarter was rating, booking and comparison shopping which brought in $728 million in 15 deals. The report covered a total of 551 companies and investors.


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Recently, whilst driving between Matlock and Chesterfield, I followed a male cyclist for a few hundred metres as there were no overtaking opportunities. On approaching the junction with Walton Back Lane the road widened and I overtook the cyclist in what I thought was a safe manner. However, as I was waiting at traffic lights at the top of Walton Road he stopped by the side of my car and complained that I had passed very close to him. At the time I said that I was glad that I had missed him. In retrospect I realise that my response was not adequate and I would like to publicly apologise to him for any anxiety and distress that my actions caused.
I would like to add that I respect the right of cyclists to be on the highway and normally give them as wide a berth as possible to avoid any problems.
Keith F.
By email


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PAST POTM WINNERS(click the images for full sized pictures)(click the descriptions to go to the forum thread for each period
Jan 2017-Anything WET beetlenut33
Nov 2016-Anything Reef Related DJE
AUG 2016-Nuisance, Trouble or General pain in the a$$ mmreef
June 2016-Oldest Coral, Fish or Invert maidia & xj_matt
May 2016-Your favorite Coral mmreef
March 2016-Top Down ninjamyst
January 2016-Think Spring ryanjan11
December 2015-Holiday Colors markitekt
October 2015-Something New broadfield
August 2015-Anything Goes enzo1028
June 2015-Your favorite photo tikireefer & tonyssrx
April 2015-Photobombers dansreef
March 2015-Eyes edin009
February 2015-Arms, Legs, Fins and Branches madjoe
January 2015-New Year, New Stuff nonstopfish
December 2014-Mobile Invertebrates SMACKER4
November 2014-Red, Orange and Yellow DJE
October 2014-Your Tank Eating ninjamyst
September 2014-Your Tank Pests "bury my stuff" sk8elenex92
August 2014-Yellow and Black get_armbarred
October 2013-Orange Never announced but Tethered_Limbs entry shown
July 2013-Red, White and Blue Never announced but DD entry shown
May 2013-Crabs and Wrasse - madjoe
RAKO1 - You stay on your side of the bed and i'll stay on mine
March 2013 POTM-Z's and P's - rosko23
Feb 2013 POTM - "Relationship" Tangency
January 2013 POTM - "New Year. New Stuff" Zportell
December 2012 POTM - Red and Green. Happy Holidays from CR! Marketit
December 2012 POTM - Red and Green. Happy Holidays from CR! Tethered_Limbs
Tangency's "Non-nipping Longnose buterfly"
October 2012 - ORANGE - BY MAIDIA"
September 2012 - SPS by Tangency
June 2012 - Movement by Lil BamBam
MAY 2012 - TOP DOWN, Strawberries Field Acro by Maidia
Below have missing images due to missing photoplog
April 2012 POTM - Macro, Moorish Idol by by BADGUS
April 2012 POTM - Macro, Water fight by lunacris
March 2012 POTM -Polyp Extensionby Lil BamBam
January 2012 POTM Stripes One of my favorite pictures of my CBB by DanSreef
December 2011 POTM - Crab Hangin' out by Badgus
November 2011 POTM -Scoots the midas blenny by jcarlilesiu
September 2011 POTM - Anenome by Goat585
August 2011 POTM - Soft Coral by Tangency
May 2011 POTM - Zoa/Paly by Stonefish13
March 2011 POTM FISH by SkunkerX