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Connect Online with Consumers Planning for Retirement
It's that time of year when many consumers think about their financial goals for 2019, including planning for retirement.
Consumers have endless questions when it comes to retirement:
- How much money will I need in retirement?
- When should I retire?
- Can I contribute more to my 401(k) in the upcoming year?
- Can I afford to make an IRA contribution for the 2018 tax year before the April 15 deadline? And should it be a traditional IRA or a Roth?
- How should I rebalance my portfolio to balance risk and reward and meet my financial goals?
- Younger consumers may want to know how to plan for retirement.
As a financial marketer, you know your company can address many of these retirement planning challenges. However, you have to efficiently get word out to those actually interested in retirement planning.
Target Consumers with Specific Retirement Needs
It may seem logical to just communicate your retirement services to Boomers, and that is a good place to start.
However, many consumer segments are interested in retirement. In fact, Financial Cohorts wealth-based segmentation identifies five clusters that include households with a very high percentage of assets in retirement products – and three of these segments have a median age of about 45. With retirement-focused Digital Targeting Segments, financial institutions can market their retirement products and services to appropriate clusters via online, mobile, and social channels.
Another group that may be interested in your company's retirement products is IRA investors. You already know which of your clients have an IRA held at your firm, but how about clients, or prospects, that likely have IRAs at other firms? How can you efficiently reach these consumers, or consumers that might be interested in IRA rollovers? The answer is investment-specific Digital Targeting Segments. These segments enable you to quickly and easily connect online with potential IRA customers and inform them about your company's IRA options.
Millennials may be another group to include in your retirement planning promotions. High-asset and high-income Millennials may not have retirement on their radar just yet, but they probably should. With income over $100K or assets over $250K, wealthy Millennials present a significant opportunity for financial marketers to not only promote their retirement planning options, but all of their financial services. Using Millennial-specific targeting segments and communicating via digital channels can be an efficient way to connect with these 'always on' young consumers.
Your retirement services could be a good fit for millions of consumers. The key is to cost-efficiently reach them on the digital devices they use every day.
Check out Digital Targeting Segments from Equifax for robust online targeting.
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Current Articles
From Federal Register September 30, 2016 (actually published Sept 29, 2016)
AGENCY: Fish and Wildlife Service, Interior.
ACTION: Proposed rule.
SUMMARY: We, the U.S. Fish and Wildlife Service (Service), propose to list 10 animal species, including the band-rumped storm-petrel (Oceanodroma castro), the orangeblack Hawaiian damselfly (Megalagrion xanthomelas), the anchialine pool shrimp (Procaris hawaiana), and seven yellow-faced bees (Hylaeus anthracinus, H. assimulans, H. facilis, H. hilaris, H. kuakea, H. longiceps, andH. mana), and 39 plant species from the Hawaiian Islands as endangered species under the Endangered Species Act (Act). If we finalize this rule as proposed, it would extend the Act's protections to these species.
DATES: We will accept comments received or postmarked on or before November 30, 2015. Comments submitted electronically using the Federal eRulemaking Portal (see ADDRESSES, below) must be received by 11:59 p.m. Eastern Time on the closing date. We must receive requests for public hearings, in writing, at the address shown in FOR FURTHER INFORMATION CONTACT by November 16, 2015.
ADDRESSES: You may submit comments by one of the following methods:
(1) Electronically: Go to the Federal eRulemaking Portal: http://www.regulations.gov. In the Search box, enter FWS-R1-ES-2015-0125, which is the docket number for this rulemaking. Then, in the Search panel on the left side of the screen, under the Document Type heading, click on the Proposed Rules link to locate this document. You may submit a comment by clicking on "Comment Now!"
(2) By hard copy: Submit by U.S. mail or hand-delivery to: Public Comments Processing, Attn: FWS-R1-ES-2015-0125, U.S. Fish and Wildlife Service, MS: BPHC, 5275 Leesburg Pike, Falls Church, VA 22041-3803.
We request that you send comments only by the methods described above. We will post all comments on http://www.regulations.gov. This generally means that we will post any personal information you provide us (see Public Comments,below, for more information).
read … Federal Register
MN: Endangered species list gets longer
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"Connecting ideas and people is the what makes the world a successful place and I can be at forefront of that with the SME Centre."
Janagaranjini Eravanan
Events Executive
Having had experience in working with the youth of Singapore, as well as planning events for the Community Centres and volunteering with them for certain activities, you can safely say that Janaga is a very people's person with a passion for making them laugh, smile and always learning something from her. With over 5 years of exposure in the science field, Janaga has honed her ability to be analytical, data mine and planning skills. Also, her time in Republic Polytechnic has given her the ability to be able to present in front of the masses with confidence and aplomb. All of this combines to ensure that Janaga plans and produces unique, enticing, engaging and knowledgeable workshops for the SMEs and aspiring entrepreneurs of Singapore. After all, she has a passion to always pass on something new to someone else.
• Dancing
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• Reading
We can help your business!
We work closely with SMEs to deepen their capabilities and enable them to scale further.
Meet our Business Advisors today for a free one-to-one consultation!


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I have a knack for posting my glorious breakfasts up on my SnapStory all the time. Yes it looks good, but it can also be time consuming, as people say, to say the least. A really easy, healthy, delicious, and yet good-looking breakfast is the infamous yogurt parfait. It may seem like I spend like 30 minutes preparing the first meal of the day but I don't. I usually whip up this parfait whenever I'm in a rush and eat it in the car. So I now behold, my go-to breakfast that takes less than 7 minutes to make.
- Wash some berries (raspberries and blackberries) and chop up some strawberries to set aside.
- Mix together the Chobani yogurt, I like the peach flavor.
- Put the yogurt in a separate bowl and mix in some chia and flax seeds for added benefit.
- Sprinkle some granola, put on the heaps of fruit, put MORE granola on….
- And pair it with some Kombucha!
And that ladies and gentlemen, is how you make a stellar yogurt parfait.


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Take the 30 day CBD challenge!
Take a moment to do some research (I have provided several useful links below), read a few articles, and then, take the 30 day CBD challenge.
Personally, I am not a fan of what I call, "Big Pharma", but there are plenty of things they do well.
If and when, I can attempt a more natural alternative to improve my health, then I am all for it. I am also not a big fan of what I call "mind altering" drugs, or drugs that cause you to lose your clear state of thought. Some pain killers, and of course anything containing THC can cause this, and that is why I have chosen a THC free CBD. (I do understand there are cases that we must use those types of drugs.)
Let me be honest, CDB doesn't work for everyone, and that is why I recommend doing a 30 day challenge. If it works, keep using it, if it doesn't, keep seeking and working to find a natural supplement that can help you take your life back from high medical bills and damaging side effects.
Join me on my Facebook page by clicking this link: CBD Oil , and let's talk and do research together. Ask me any questions about CBD Oil, and I will work to get you the answer.
If you are thinking about about a purchase, please join my Facebook page.
Here is a link to the CBD Store: Shop CBD
Thanks, and Good Luck in your search!


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How to Deal with a High Ankle Sprain in Scottsdale
Injuries are common, especially among athletes who compete in contact sports. Some injuries are minor and can be dealt with at home. Other injuries, even if they seem minor, should be taken care of by a professional. A high ankle sprain is one injury that should be taken care of by a physical therapy professional who is dedicated to helping you heal so you can get back in the game.
What is a High Ankle Sprain?
A high ankle sprain is a sprain that occurs above the ankle at the lowest part of the leg. Medically speaking, it is a sprain of the syndesmotic ligaments connecting the fibula and tibia, which creates a mortise and tenon joint for the ankle. Though this is a less common type of ankle sprain, it is no less painful for the ankle.
How a High Ankle Sprain Occurs?
A high ankle sprain in Scottsdale occurs due to a twisting movement outward of the foot when the foot is planted firmly on the ground. This type of sprain can occur when a football player is tackled, depending on how the opposing player tackles the player whose feet are planted. It helps to consult with a specialist if you think you may have suffered a high ankle sprain or something similar.
When a high ankle sprain occurs, patients typically report pain in the leg above the ankle. This pain worsens when the patient twists the foot outward in the direction that caused the sprain in the first place. Patients in Scottsdale can also experience swelling and bruising at the site of the sprain. Patients experience pain with walking or standing and when the site is touched, such as during an examination. Pain can worsen if the injury is not treated. If left untreated, the ankle may become more injured, leading to long-term and serious damage to the patient's ankle. Don't let this happen to you. Reach out to an experienced foot surgeon if your sprain worsens and needs surgery.
Depending on the severity of the sprain, the patient may need a walking boot to stabilize the ankle as it heals. The patient may also need crutches for walking due to the force that passes through the high ankle with each step. Since the sprain causes the fibula and tibia to be separated, walking is incredibly painful.
Along with stabilizing the injury, physical therapy is often used to help the injury heal and to build the patient's strength during the recovery period. The therapy will ensure that, once the sprain heals, the patient is able to walk and run properly. This is particularly necessary for football players or other athletes in contact sports, who may be more vulnerable to this type of ankle sprain. It is always important to understand best practices when taking care of your ankles.
More severe sprains may require surgery. An assessment of the sprain when it occurs will determine what treatment is needed. If surgery is used, patients typically still have physiotherapy as part of the recovery process.
Preventing a High Ankle Sprain in Scottsdale
Prevention is the safest and easiest way to deal with a high ankle sprain. However, proper prevention requires knowledge about the ankle and how these sprains can be prevented. Stretching before playing a contact sport or running is a good start to prevent this type of sprain. In addition, there are specific exercises that can be used to strengthen the ankle's muscles, tendons, and ligaments, which can prevent a high ankle sprain in Scottsdale from occurring. Doing exercises to help improve your balance can also be useful in preventing this type of sprain.
Even if you think your high ankle sprain is minor, it's important to get an examination and seek treatment right away. The professionals at Arizona Insititute of Motion can help you heal quickly and recover so that, once your ankle is healed, you'll be ready and able to get back on the field and into the game.


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Lai H and Singh NP
In a series of experiments, rats were subjected to low-intensity pulsed an continuous-wave 2450 MHz microwaves for two hours, and their brain cells subsequently examined for evidence of breaks in DNA, which have been observed in aging, degenerative disease of the nervous system, and cancer.
In the first paper (1995), no significant effects were found immediately after the exposure. However, at 4 hours after exposure, the authors found a dose rate-dependent (0.6 and 1.2 W/kg whole body SAR) increase in DNA single-strand breaks. They also found increases in DNA single-strand breaks in rats exposed to continuous-wave 2450 MHz microwaves, both immediately and 4 hours after exposure (SAR 1.2 W/kg).
In the second paper (1996), single-strand and double-strand breaks were observed at 4 hours after exposure to either the pulsed or continuous-wave radiation.
In the third (1997), the authors found that melatonin and another substance, PBN (N-tert-butyl-alpha-phenylnitrone), blocked the effect of the microwave radiation. Since both melatonin and PBN are efficient free radical scavengers, the authors hypothesized that free radical scavengers are involved in the observed DNA damage to the rat brain cells.


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The Yamato Group believes that the following matters relating to implementation of Group business operations may have a significant impact on the decisions of investors. It should be noted that forward-looking statements in this document are based on information available as of November 14, 2018.
(1) Risk of High Dependency on Delivery Business for Operating Revenues
The Delivery Business represents approximately 80 percent of consolidated operating revenues of the Yamato Group in the fiscal year under review, and business performance in the Delivery Business has a greater impact than other businesses on the Yamato Groups business performance. The Group will take measures for structural reform of the Delivery Business; however, if such measures fail to produce results, there could be an impact on the business performance of the Yamato Group.
(2) Risk of Difficulty in Securing Labor
Many of the businesses operated by the Yamato Group are labor-intensive businesses in which securing competent staff and allocating personnel to appropriate positions are essential. The Yamato Group will make group-wide efforts regarding work-style reforms and take steps to improve work environments and enhance employee retention. However, if labor supply and demand conditions tighten further, causing the Group to be unable to secure adequate human resources, this could affect the business performance of the Yamato Group. In addition, if there is a significant increase in employee-related costs due to changes in laws or regulations and systems or fluctuations in prices, etc., this could affect the business performance of the Yamato Group.
(3) Risk of Outflows of Business Know-How Resulting from Personnel Leaving the Group
The Yamato Group has accumulated various kinds of know-how, such as methods of developing new products and building networks, to differentiate its services from other companiesEservices. However, it is difficult to provide legal protection for most such accumulated know-how, and the Groups know-how could flow outside the Group when personnel leave employment with the Group, and it may not be possible to effectively prevent a third party from providing similar services. In such an event, the business performance of the Yamato Group could be affected.
(4) Risk of Loss of Trust Due to Failure to Ensure Service Quality Control
The Yamato Group has built high social trust with customers through the provision of high quality services, which allowed the Group to secure competitive advantage. However, if a problem occurs such as deterioration of service quality, damage to or loss of packages entrusted to TA-Q-BIN, and so on caused by failure to ensure compliance with company rules, this could lead to a loss of social trust. The occurrence of such an incident could affect the business performance of the Yamato Group.
(5) Risk of Loss of Trust As a Result of a Major Traffic Accident
The Yamato Group uses vehicles on public roads in its business activities, mainly in the Delivery Business, and conducts a range of safety measures with utmost priority on protecting human life. However, if a major traffic accident involving the Group occurs, it could lead to the loss of social trust and affect the business performance of the Yamato Group. A business operator that caused a serious traffic accident will be ordered to cease the use of vehicles as a government sanction. In addition, if the Groups offices are ordered to cease business or have business licenses revoked as penalties under the traffic violation points system leading to interruption or cessation of business, this could affect the business performance of the Yamato Group.
(6) Risk of Cyber-Attacks, etc.
The Yamato Group takes organizational and personnel measures as well as technological security measures to ensure multi-layered defense in anticipation of the increasing sophistication of cyber-attacks. However, if the Group is forced to partially shut down computer systems and cease business due to unforeseen cyber-attacks, such as a zero-day attack, this could affect the business performance of the Yamato Group.
(7) Risk of Breach of Customer Information
The Yamato Group handles large quantities of customer information. Vouchers for TA-Q-BIN, moving, and other services contain personal information of users. In addition, there are cases where sales are recognized based on delivery information from customers, such as sales processed through EDI (Electronic Data Interchange). In e-Business, the Group undertakes contract processing of various types of customer information and manages customer information. The Group also handles a wide variety of customer information in each business. Given this, the Yamato Group is required to and is working to maintain the confidentiality of customer information. However, in the event of a breach of customer information caused by a failure to thoroughly ensure information management, this will lead not only to a loss of social trust in the Yamato Group but also to demands for compensatory damages and the like. The occurrence of such an incident could affect the business performance of the Yamato Group.
(8) Risk of Legal Regulation
The Yamato Group operates a wide range of businesses, centered on the TA-Q-BIN Business, and is subject to restrictions by various laws and regulations in each business field. Although the Yamato Group is making efforts to ensure compliance management as a top-priority issue, the business performance of the Yamato Group could be affected if the Groups business activities are restricted due to changes in laws and ordinances, etc., causing the Group to incur a decrease in operating revenues or an increase in costs to respond to restrictions and so on, and this could affect the business performance of the Yamato Group.
(9) Risk of Official Regulation Due to Environmental Issues
The Yamato Group uses a large number of vehicles in its business operations and voluntarily undertakes environmental measures, such as introducing low-emission vehicles and promoting eco-driving, in the face of growing environmental awareness in recent years. However, if unexpectedly strict environmental regulations are enacted, this could affect the business performance of the Yamato Group.
(10) Risk of Natural Disaster, Power Outages, etc.
The Yamato Groups mainstay business is to transport packages using vehicles, and its business activities are conducted using equipment that requires a supply of electricity such as automatic package sorting equipment and computers for information management at base terminals where packages are sorted. All equipment undergoes accident prevention inspections and equipment inspections on a regular basis. However, if stagnation of the flow of packages or the like occurs due to unexpected major natural disaster or power outage, this could affect the business performance of the Yamato Group.
(11) Risk of International Factors
If the geographical regions where the Yamato Group or its main business partners operate are affected by international conflicts such as acts of terrorism and wars or infectious disease such as a new strain of influenza resulting in stagnation of the flow of packages and requiring evacuation of employees and others, this could affect the business performance of the Yamato Group. In addition, the Yamato Groups mainstay business is to transport packages using vehicles, such as the Delivery Business, and therefore the continuous, stable, and adequate supply of diesel and other fuel is essential for its business operations. To this end, the Group is taking steps to reduce fuel use such as implementing modal shifts, introducing low-emission vehicles, and promoting pickup and delivery using hand-pushed trolleys. However, if the supply of fuel is restricted due to the influence of international events or other factors or if fuel prices increase, this could affect the business performance of the Yamato Group.
(12) Risk of Credit Exposure Management and Interest Rate Fluctuations
The Yamato Group engages in the shopping credit business in the Financial Business. There are concerns about increasing cost of credit exposure management if personal bankruptcies remain at high levels due to economic trends and other factors. The Group takes necessary measures to stabilize funding where necessary, but greater-than-anticipated, sharp increases in interest rates could affect the business performance of the Yamato Group.
(13) Risk of the Impact of Inappropriate Billing
Based on the factual investigation and causal analysis and recommendations regarding preventive measures by the internal investigation committee made up of external independent experts established in the Company following the occurrence of inappropriate billing for moving-related services for corporate clients by Yamato Home Convenience Co., Ltd. (YHC), a Group consolidated subsidiary, the Group will take drastic preventive steps, led by the Group Governance Project established in the Company and YHC organizations implementing business structural reforms. The Group will recheck compliance with the terms and conditions of all moving-related services provided by YHC, including services that YHC provides for individual customers, and temporarily suspend new orders for services for which such compliance is not confirmed until we complete the redesign of service products for which compliance of the terms and conditions can be assured.
Depending on the future progress regarding this incident, there will be an impact on sales activities such as order taking due to a loss of trust, which could affect the business performance of the Yamato Group.


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In 1935, Jeanette's grandmother, Katherine Waterman, who was almost 70 years old, wanted to sign up for benefits in the proposed Social Security system. Since she would need to produce a birth certificate to prove her age, she had her daughter Bertha write to her brother Sigmund Wachtel, who was still living near the family's place of origin in Czechoslovakia. Bertha sent her uncle an envelope with her own name and address written on it.
Uncle Sigmund obtained the certificate, neatly typed in German, which he sent back to Bertha along with a brief letter. Since none of us read German, including Bertha, the letter remained a mystery for a long time. Take a look at the letter to see if you can read it:
Finally, more than seventy years later, a good friend who coincidentally was born in 1935, and went to school in Germany as a child, helped us decipher the mysterious letter. She said the letter was written in a script which was somewhat different from what her grandparents used, but was still legible for her. It may be written in a precursor of the Sütterlin script, which was taught from 1915 to 1941 in German schools. We present below, side by side, the letter as written in German, and its translation, or paraphrase, in English. In the first column, each line corresponds to one line from the original. Uncle Sigmund frequently writes "l.", which seems to be an abbreviation of the German word lieber (liebe, liebes), an adjective that can be translated "dear" or "lovely".
Putceriev, den 2/4 1935 Liebste Berta, Deinen lieben Brief habe ich erhalten und freute mich uber selben. Du schreibst mir wegen der lieben Mutter. Ich soll ihr besorgen etwas Papieren damit Sie Geld bekommst. Ich habe mich sofort darum besorgt, was es nun auch meiner Pflicht ist und schicke ihr das Wichtig- ste, den Geburtsschein. Hoffentlich wird es so recht sein. ----------------------- Ich wuensche Euch angenehme Oster Feiertagen, auch der lieben Mutter, Liebe Berta bitte Dich, schreib mir ob Du das Geburtstags Zeugniss erhalten hast, und ob es so rech ist, damit ich keine Sorge haben soll. Grüß dich bestens, auch Deine lieben Ange- hoerigen, und verbleibe, dein treuer Onkel, Sigmund Wachtel
Putceriev, April 2, 1935
Dearest Bertha,
I've received your dear letter and was happy to receive it. You write regarding your dear mother, who needs me to obtain some papers for you, so that she can receive some money, and I have taken steps immediately, since I also consider it to be my duty. I will send her the most important item, the birth certificate. I hope this will be all right.
I wish you and your dear mother a pleasant Easter season. Dear Bertha, please write when you receive the birth certificate, and that it's what you need, so I won't have to worry.
With best wishes to you and your dear family, I remain
Your faithful uncle,
Sigmund Wachtel
The reference to Easter holidays confused us, since Sigmund was Jewish, but it's likely the days around Easter were State holidays in Czechoslovakia then, so Sigmund would have had a holiday, even if it were not a holiday he observed. In 1935, Easter Sunday fell on 21 April.
The content of the letter really wasn't as interesting as we had hoped, but indicates at least that Uncle Sigmund felt a great deal of affection toward his sister and toward her child whom he had never met. Bertha and her family lost touch with their relatives in Czechoslovakia during World War II and presumed they had been killed along with thousands of other Jews in what came to be known as the Holocaust.
Recently, we've discovered information which may indeed identify Uncle Sigmund as a Holocaust victim. Yad Vashem, The Holocaust Martyrs' and Heroes' Remembrance Authority, maintains a web site at which it is possible to contribute or obtain information about victims or survivors of the Shoah. A central data base, containing about three million names, is available. My search of this data base for "Sigmund Wachtel" produced the following data:
Zikmund Wachtl was born in 1871. During the war he was deported with Transport Ce from Klatovy, Klatovy, Bohemia, Czechoslovakia to Theresienstadt, Ghetto, Czechoslovakia on 30/11/1942. Zikmund was murdered in 1943 in Terezin, Camp. This information is based on a List of Theresienstadt camp inmates found in Terezinska Pametni Kniha/Theresienstaedter Gedenkbuch, Terezinska Iniciativa, vol. I-II Melantrich, Praha 1995, vol. III Academia Verlag, Prag 2000.
|Terezínská pamětní kniha/Theresienstaedter Gedenkbuch, Terezínská Iniciativa, vol. I-II Melantrich, Praha 1995, vol. III Academia Verlag, Prag 2000
|Last Name
|First Name
|Date of Birth
|Place of Death
|Date of Death
|Prisoner Nr. in Transport
|Key to Transport
|Transport Ce from Klatovy to Terezín on 30/11/1942
|Material type
|list of Theresienstadt camp inmates
|Victim's Status End WWII
The list of Theresienstadt inmates includes another Sigmund Wachtel, born in 1865, who came from Vienna and was eventually transported on to the Treblinka camp in Poland where he died in 1942. This man's name turns up in any internet search and he shouldn't be confused with Bertha's uncle.
The holocaust.cz web site lists eight other persons named Wachtl or Wachtlová who were transported from Klatovy to Terezín on Transport Ce. All were sent on to Auschwitz and murdered there. Klatovy is about 20 km (12 miles) from Sigmund's home town, Pocinovice. Beharov, where Katherina was born, was about 2 km from Pocinovice, on the road to Klatovy.
A list of all transports of prisoners to and from Terezín, from 24 Nov 1941 through 15 Apr 1945, was formerly available at the Terezín Initiative site, but now is a part of the Porges families site. For additional information, please visit the following sites:
Our 2015 inquiry to the Holocaust Survivors and Victims Resource Center, at the United States Holocaust Memorial Museum, produced similar information:
Thank you for your request for information on your uncle, Zikmund Wachtl, from the International Tracing Service (ITS) collection held by the United States Holocaust Memorial Museum...
Our extensive search of the ITS records, the Museum's archival holdings, and other resources yielded the following results. Please see the attached Teresienstadt Ghetto card which has information about Zikmund Wachtl's deportation and date of death, March 18, 1943, 5126133_0_1. The ITS created an official death certificate for Zigmund Wachtl based on the above-mentioned card, 47823544_0_1, 47823544_0_2. The Czech Holocaust memorial database provides an entry for your uncle, Zikmund Wachtl, and more information about the transport that he was on at: http://www2.holocaust.cz/en/victims/PERSON.ITI.1945984.
These are the documents which the Museum provided:


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Our Italian restaurant has the finest dinner menu in Bergen County.
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Look no further than Mangiamo Pizza Restaurant when you are searching for incredible full service Italian catering in Bergen County NJ. Many customers visit Mangiamo because our first rate, restaurant-style Italian meals and comfortable family atmosphere are highly sought after. Making sure you have a fun night out with family and friends is a priority for our friendly and reliable staff. But you are able to also trust that same high quality food and service if you hire Mangiamo to cater any type of event in the local area. Mangiamo is a perfect option as it pertains to full service catering for parties in Northern NJ whether it's a birthday celebration with your closest loved ones, a business event, or a big wedding with both sides of the family coming to celebrate new love.
Catering Bergen County NJ
Companies of all types and sizes trust Mangiamo for premium quality dependable full service catering in Bergen County NJ. As a local family restaurant, we're happy to help local companies make the most of their business lunches and retreats. We additionally like to deliver new corporate business to the area by making certain corporate events go off without a hitch. By making sure you have someone on your side making sure everything goes as planned when you are hosting a business event, your attention can be focused where it's required, such as networking and making connections. You can count on the capable staff at Mangiamo to make certain that all aspects of your full service catering for parties in Hasbrouck Heights NJ go as intended.
Italian Catering Bergen County NJ
When you pick Mangiamo for full service Italian catering in Bergen County NJ, you get top notch service, from your first contact with our planning experts to the moment our serving and cleanup staff leave the event venue. If you are uncertain of what type of catering you are in need of in any way, our knowledgeable team can help you decide. With a variety of options on the menu, and a variety of different ways you are able to choose to serve your guests, we're certain to find something which suits each and every one of the guests at your event. We offer special dietary choices, including meals for vegetarians, vegans, and those with allergies or intolerances. At Mangiamo we take special time to ensure that every one of your guests are capable of having their preferences and needs met because no one should ever be left out when you need full service catering for events in Hasbrouck Heights NJ.
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We're capable of meeting all your needs for corporate catering in Bergen County NJ regardless of the size or type of meeting or party you are hosting. Are you hosting a casual outdoor event? We provide a wide selection of sandwich and platter dishes which may be exactly what you've been trying to find. An effective means of treating the office to a special lunch is our panini trays catering. We provide a large number of delicious courses to be served to guests or offered as a buffet for more formal or indoor events. We bring the exact same attitude and amazing service that we offer at our restaurant for every single kind of catered event. If you require catering for a lunch, or any size party or business event, you'd be hard pressed to find a better choice to call than Mangiamo.


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Welcome to Oklahoma Envelope & Forms Company
Oklahoma Envelope & Forms Company, LLC, established in June of 1994, is a privately owned envelope manufacturing and forms company located in Oklahoma City, Oklahoma. The key to our success in a very competitive industry is our flexibility to customize solutions for each of our customers needs (we have a "never say no" attitude), along with producing a quality product, in a timely manner, at a very competitive price.
Oklahoma Envelope is a total solutions group dedicated to serving our customers across the country. We attribute the success of our organization to our people. First, and foremost, SERVICE is our priority. Unlike many other suppliers, we manufacture our products in turn eliminating the middle man while adding to your bottom line, month after month.
We will warehouse your inventory which allows you to submit releases against your own stock, without having to store it in-house. Along with inventory management, we also offer fulfillment services. We can pick & pack, drop-ship, receive, ship, cross dock or whatever your unique needs may be.
In addition to manufacturing and shipping, we offer free local delivers, custom graphics and art work, next-day digital printing, free type-setting and much more. Give us the opportunity to earn your business, and let us show you the "WOW" factor of doing business with a vendor you can truly count on.


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I'm having an identity crisis! I'm not who I thought I was. I'm not who anybody thinks I am! Let me explain. I was born as Susan Dianne Enyeart. But I have used my middle name my whole life. So to make things easier, when I got married I went to the Social Security office … Continue reading Desperately Avoiding Susan
Author: greshamthoughts
Between the rock and a hard place
Everybody's been there. You have a problem and it looks like there is no good way to solve it. You have options, but no matter which one you choose, the outcome is not what you desire. In spite of your best efforts, somebody's going to get hurt, there still won't be enough money, you'll run … Continue reading Between the rock and a hard place
Camp Curtin Memorial Mitchell Methodist Church
Dianne and I paid a visit to the Camp Curtin Memorial Mitchell Methodist Church in Harrisburg, PA on a sunny Friday afternoon, May 31, 2019. The reason for the visit, and the inspiration for the name of the church, was because this was the site of Camp Curtin. Camp Curtin was established in 1861 as … Continue reading Camp Curtin Memorial Mitchell Methodist Church
Being a Spiritual Midwife
I'm a third generation spiritual midwife. That's my name for the job. I'm the one who goes backstage with those who have made the decision to be baptized and helps them get ready. My grandmother was the lady who did it when our church began in 1958. She made all the baptismal robes and made … Continue reading Being a Spiritual Midwife
Man of Sorrows
https://www.youtube.com/watch?v=YlOJ5o8W4Lw The powerful song inspired some thoughts I shared at the Lord's Supper last week. Mark 14:32-36 (NIV) They went to a place called Gethsemane, and Jesus said to his disciples, "Sit here while I pray." He took Peter, James and John along with him, and he began to be deeply distressed and troubled. "My … Continue reading Man of Sorrows
Emmanuel – Imagine That!
Christmas can be a lonely time for many. It's sad to be alone at this time of the year. But the good news is, you don't have to be! Here's a good reminder.
From Generation to Generation
Psalm 78:2-7 (MSG) "I'll let you in on the sweet old truths, stories we heard from our fathers, counsel we learned at our mother's knee. We're not keeping this to ourselves, we're passing it along to the next generation— GOD's fame and fortune, the marvelous things he has done. He planted a witness in Jacob, set … Continue reading From Generation to Generation
Returning the Favor
I'm getting ready to leave for Colorado this afternoon. The trip has been planned for months. In fact, we make this trip every summer so I guess you could say the trip has been planned for years. The travel has been planned for a long time but the itinerary was changed significantly less than a … Continue reading Returning the Favor
A friend taught me about greatness…. I lost a friend a little over a week ago. He lay down for an afternoon nap and woke up in heaven. We're happy for him, he was ready; we're sad for the rest of us, we weren't ready for him to go yet. A large crowd attended a … Continue reading Greatness
The Ripple Effect
I'm one of those rare people who have been at the same church almost my whole life. The Church of Christ of Hempfield Township in Greensburg, PA was established in 1958. My parents, grandparents and other family members were charter members. The church recently held it's 60th anniversary celebration and I was asked to say … Continue reading The Ripple Effect


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Investing in Stocks: 4 Simple Strategies for How to Pick Them
Editorial Note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.
Selecting a stock is not unlike shopping for most big purchases. You research the product, compare it to others for fit, quality, relative value and so on — perhaps compromising in some areas but not in others. Over time, you may become savvy enough to spot value or a prized possession easily.
You can approach stocks by looking to "buy what you know," but you should also know what you're buying from an investment standpoint. There are many lenses through which to view stocks, strategies to compare them and ways to hold them. Your goals as an investor can help determine how you analyze and hold stocks.
Here are some essential strategies to help you learn how to pick stocks.
1. Investment styles: Growth, income and value
For some investors, stock picking is all about finding stocks that fit a certain investment style.
Growth investors are looking for the next big thing, and are usually willing to pay a high price for a stock with future potential value. Companies in growth mode are reinvesting earnings and expanding quickly through hiring, new products, acquisitions and capital appreciation. Growth stocks tend to be more aggressive — as more investors drive up the price, it amplifies the risk that they won't meet growth expectations for their valuation.
Income investors seek companies paying regular income to shareholders in the form of dividends. Even if you don't need the income now, reinvested dividends function like regular returns that can help grow your investment. Income stocks tend to be found in older, more established firms, which may already be past peak growth years but are profitable and generally well run.
Value investors attempt to find underpriced bargains; that is, companies with underlying value not reflected in the share price. Specifically, they look for stocks with lower price-to-earnings ratios than the overall market, hoping the price will rebound. These are shares of companies that may no longer be in growth mode or may just have fallen out of favor. Value stocks are also more likely to pay dividends.
2. For long-term investors: Fundamental analysis
If you are looking for companies to invest in for an extended period of time, digging into the fundamentals can be a good way to understand its financial health and get to know the stock. Even if you're not a business whiz, understanding these concepts and tracking them over time can help you compare the stocks of similar companies against one another.
|Company fundamental
|What it is
|What it tells you
|How much money is coming into the company.
|If the company is growing. Increasing revenue year-over-year is generally a sign of growth, although it doesn't necessarily mean increased profits.
|Earnings per share (EPS)
|The company's earnings divided by the total number of shares outstanding.
|How much of the company's profits are returned to shareholders.
|Price-to-earnings (P/E) ratio
|The market value of the stock (or current price) divided by EPS.
|How much of a multiple investors are willing to pay for a share of the stock. A P/E ratio of 20 to 25 means investors will pay $20 to $25 for every $1 of earnings. High P/E can be a sign the stock will continue to grow or it may be overpriced. Low P/E may indicate a stock is undervalued.
|Price/earnings to growth (PEG) ratio
|The stock's P/E ratio divided by expected 12-month growth.
|If the stock is fairly valued. While P/E ratio doesn't account for a company's growth, PEG does. A PEG of one is thought to be fairly valued, greater than one is expensive and less than one is undervalued.
|Return on equity (ROE)
|Net income divided by average shareholder equity (which represents the company's total assets minus liabilities).
|How efficient management is at passing earnings on to shareholders. ROE is expressed as a percentage. Investors may tend to stick to a percentage near the S&P 500, which was about 15.6% in 2017.
Many publicly traded companies file annual audited 10-K financials with the Securities and Exchange Commission (SEC), along with quarterly 10-Q updates. In these documents, investors can see a company's revenue, debt, cash flow management and other metrics. Many financial websites and online brokerage platforms will provide fundamentals as part of their basic stock quote information, as well as access to analyst research and recommendations. Analyst reports often help add qualitative information to your research, such as competition, new products or brand equity.
3. For active investors: Technical analysis
Short-term investors and active traders making bets on what will happen shortly rely on something called technical analysis, which ignores the fundamental value of a stock and instead pays attention to moves in stock price or other types of trading data.
Technical analysis assumes that all information to be known about the stock is built into its price, and prices tend to follow certain repetitive patterns or trends due to investor psychology. These trends may come in the form of tides lasting a year or more, waves lasting one to three months or ripples lasting less than a month.
Investors chart a stock's trading activity in different ways to uncover certain trend lines and that may be predictors of future moves:
- Line charts track a stock's closing price over longer periods, providing a broad view of the stock's performance.
- Bar charts give a sense of a stock's daily movements, or opening price, high price, low price and closing price (OHLC). This view can provide a sense of a stock's volatility.
- Candlestick charts are similar to bar charts, with clear illustrations of the stock's opening and closing prices. If the stock price closes higher than it opens, the difference or "wick" is positive.
A stock experiencing increasingly higher highs and higher lows over time is considered to be on an upward trend, and descending highs and lower lows would signal a downward trend. A sideways trend means that prices have been moving in the same general range. Looking at these charts, investors attempt to find levels of resistance, meaning points at which the stock may stop trending higher, or levels of support, meaning there's strong enough demand to keep a stock from trending further downward.
Technical analysis can be complicated, which is why many active investors rely on tools offered by online brokers to help spot technical trends.
4. Broad stock picking: Diversified stock portfolios
An easy way to pick stocks is to buy many at once through an exchange-traded fund (ETF). These investments offer mutual fund-like diversification, but they trade like stocks. That means you can buy shares of the Standard & Poor's 500 or NASDAQ 100 in the same way you might buy shares of Coca-Cola or Apple.
But ETFs come in many other shapes and sizes: You could use a handful of sector ETFs to build a full stock portfolio or balance stock holdings with a bond ETF. Interested in dabbling in commodities, currencies or hedge funds? There are ETFs covering alternative investments as well.
You can purchase ETFs through a broker, which means you might pay a transaction fee when you buy and sell them. Otherwise, ETFs tend to be very low-cost for investors who buy and hold.
Bottom line
Figuring out how to pick stocks seems to be as much about talent as skill, and even the most brilliant stock analysts can't see around every corner. For the average person, investing in an ETF or mutual fund allows you to own stocks without having to select individual shares. You may not get the same shopper's high, but there's also less of a chance you'll regret your purchase.
If you are determined to own individual stocks, it makes sense to start small and build slowly as your confidence in stock investing grows. You can even start with no money and a completely hypothetical portfolio. There are many stock market simulators online to help you experience stock trading without the risk. Either way, until you understand your appetite for volatility, individual stock investors should only risk excess or "fun money" you can afford to lose.


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Tech Support
- My Finch Robot is connected, why can't I access the Finch Snap! or Scratch blocks?
- What software / programming languages can I use with the Finch Robot?
- Why is my installation of ScratchX or Snap! not working?
- Does the Finch Robot work with USB C ports?
- Can Finch Robot files created in the BirdBrain Robot Server be used with the Finch Connection App or vice versa?
- Can I program my Finch Robot in any software languages not listed on your portal?
- Why isn't my Finch Robot detecting an obstacle?
- Why does my Finch Robot sometimes disconnect from the USB?
- Why doesn't my Finch Robot move straight / turn accurately?


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WARNING: This article explains the new homeschooling regulation in general and gives suggestions for fulfilling your legal obligations. This is not a legal opinion nor is it legal advice. For information specific to your situation, consult a lawyer. This article does not replace the content of the official guide mentioned in section 459.5.1 of the Education Act, which will be developed by the Minister and will be released no later than July 1, 2019. See AQED's strategy.
Homeschooling is a right in Quebec and in Canada. By law, you have the right to start homeschooling at any point during the year. You can also choose between following the Quebec Education Program (QEP) or a different educational approach, and you can change your approach during the year. Whether you wish to follow the program closely or loosely, or adopt a completely different educational approach, you will find useful explanations and examples on this website.
If you choose a different educational approach, be aware that it does not have to resemble the QEP or follow the Progression of Learning (official learning milestones). However, you must provide your child with "varied and stimulating activities conducive to the acquisition of a body of knowledge and skills" and the means to progress. You must also follow the instructions laid out in the law and the regulation. The suggestions on this website and the AQED suggestions guide are here to help you do just that.
If you wish to follow the program while maintaining some flexibility, we suggest that you indicate that you will follow an educational approach inspired by the QEP when communicating with the Ministry, and that you also take into consideration the suggestions on this website and on the AQED guide. If you would like more information on how to write a learning project that will meet all of the requirements of the QEP and that "provides for the taking of the examinations imposed by the Minister", contact the Ministry, which will be able to help and advise you. You can also take some ideas from the suggestions on this site.
Photo credit: Chantal Allard