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For auto firms, this means tackling raw material/input costs
Improving the profitability of any business involves not only a focus on boosting sales, but also continuous efforts to control costs. The automobile industry is no exception. While costs, in general, refer to all expenses, such as raw materials, employee costs, fuel and advertising spends, raw material / input cost control here assumes greater importance for vehicle manufacturers.
This is because the auto industry is raw material intensive, with expenses amounting to 65-75 per cent of sales for most companies. The industry is also cyclical in nature, ie., sensitive to the business cycle, such that revenues are higher in periods of economic prosperity or expansion, and lower during periods of economic downturn or contraction. Thus implying that cost reduction of any form can make a meaningful impact on the profit margins in the years of slowdown in vehicle sales.
So how are companies playing this game?
Localisation efforts
One of the ways to control costs is to reduce dependence on imports of components/parts for vehicles. India is considered a low-cost manufacturing base, hence, increasing the level of local production of components/parts helps bring down costs. An added incentive is that localisation also helps with reducing the risk of currency fluctuations that arise when paying for imports.
Take for instance, Maruti Suzuki. In the latest quarter ended March 2015, the company's import content for raw materials stood at 16 per cent, a good 10 percentage points lower than about three years ago. This, along with factors such as a superior product mix and cheaper costs of raw materials, such as steel saw, the company recorded multi-year high margins of 15.8 per cent.
Imports have gradually come down from 26 per cent in 2011-12, to 19.5 per cent two years ago and 16 per cent now. The company aims to bring this down further to about 12 per cent.
Similarly, with the use of common rail fuel injection engines gaining popularity among truck and bus manufacturers, Bosch, the market leader in diesel engines for vehicles, is looking to improve localisation for this crucial component. The company in early 2015 announced that it has localised the production of injectors in Nasik and the manufacture of pumps in Bangalore. It also sources the electronic control units for these common rail engines from a sister concern, Bosch Automotive Electronics, set up in India.
More affordable
Luxury car makers too have been concentrating on localisation to help make these cars more affordable. This is because local assembly of CKD (completely knocked down) cars work out cheaper than import of CBUs (completely built units), which carry a hefty import duty.
BMW assembles cars such as the 1, 3, 5 Series, X1 and X3 at its Chennai plant. Thanks to their common parentage (Volkswagen) Audi's A4, A6, Q3, Q5 and Q7 are assembled at the Skoda plant in Aurangabad. Force Motors assembles engines both for Mercedez Benz and BMW. Higher demand is also prompting other players to Indianise their vehicles. For instance, Tata Motors has begun assembling the hugely popular Range Rover Evoque at Pune in April 2015. With this, the price of the basic variant, for instance, has been slashed to around ₹48 lakh from the earlier asking price of ₹55-60 lakh.
Backward integration
Another oft used route to control input costs is backward integration. Take the battery industry. To be able to withstand a run up in prices of lead, the key raw material for batteries, Exide industries acquired two lead smelters – now called Chloride Metals and Chloride Alloys India. It currently sources half its lead requirements from these smelters. With the company recovering from the market share losses it suffered in the last 1-2 years, it is hoping to expand its margins to 15-16 per cent this year, from the current levels of 10-12 per cent. If lead prices rise, this backward integration should help rein in costs and achieve the desired margin expansion. Following Exide, Amara Raja Batteries has also bought out lead smelters.
Similarly, tyre manufacturers, such as Apollo Tyres, have invested in rubber plantations to control the cost of natural rubber, the major raw material for tyres. In 2011 when rubber prices touched a multi-year high of over ₹220 a kg, Apollo took about 10,000 hectares of land in Laos on lease to grow rubber. With rubber prices beginning to heat up in 2015 after a lull in the last two years, this investment could come in handy now. Other companies, such as JK Tyres which shed investment plans earlier following the fall in rubber prices, could now reconsider that decision as well.


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This is me "naked". No make-up no contacts no fancy hairdo. Nothing.
Sometimes I like my face with no make-up. Sometimes I don't mind it too much. And sometimes I really hate it. But hey… who doesn't feel that way right…?
When that is said I think we should all take some time to appreciate ourselves "naked" every once in a while.


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Media Release
Wednesday 16 March 2016
Action priorities for and by people with dementia and their care partners
Today more than 70 people living with dementia and their carers will present Parliamentarians with a Communique outlining the priorities they have identified need immediate action to improve dementia care in Australia. These action priorities are informed by their experiences and their knowledge of what would make a difference in their lives.
The Communique has been developed by consumers from across the country attending an intensive two-day National Consumer Summit at Parliament House in Canberra, to help shape the beginnings of a National Dementia Strategy.
Mike Bryan who was diagnosed with younger onset Alzheimer's disease two years ago attended the Summit with his wife and carer Linda Bryan.
"It is important for consumers like me to be included in the Summit. Especially with a diagnosis of dementia, I have an important contribution to make to the discussion around the funding for dementia and the way in which we are supported by the Government and the Community. It's about improving the future situation for people who have been diagnosed with dementia," Mr Bryan said.
Mrs Bryan says it is critical that consumers are the drivers of future policy around dementia.
"I am pleased to be in a forum in which I have a real say in the issues that confront me as a carer. My hope is that the recommendations from this Summit will result in a workable and fully-funded model for dementia care that is truly consumer-directed," Mrs Bryan said.
Consumers unanimously called for a funded National Dementia Strategy with measurable outcomes which builds on the National Framework for Action on Dementia 2015-2019 and addresses the following action priorities:
- Promote greater awareness and risk reduction
- Tackle the stigma and discrimination associated with dementia and support social inclusion and participation
- Improve access to timely diagnosis and high quality health care
- Provide care and support in the community that supports independence, social engagement and effective support for informal carers
- Ensure access to high quality residential care and publicly available information about consumer experience and quality of care
- Improve end of life care and support for people with dementia
- The implementation of Consumer Directed Care for people with dementia and their carers
- The commitment to increase investment in dementia research
Alzheimer's Australia National President Professor Graeme Samuel AC said, "today our consumers have articulated a vision for dementia in Australia, on behalf of the other 353,000 people living with the condition across the country. It is important we take the unanimous voice of our consumers to the policy makers who influence legislation to improve the quality of life for all those living with dementia and their families and carers."
Read the full Communique here.
Media enquiries:
Bianca Armytage | 0407 019 430 | [email protected]
Alzheimer's Australia is the peak body representing people with dementia and their families and carers. It provides advocacy, support services, education and information. More than 353,800 people have dementia in Australia. This number is projected to reach more than half a million by 2030.
National Dementia Helpline: 1800 100 500
An interpreter service is available
(The National Dementia Helpline is an Australian Government Initiative)
Dementia is a National Health Priority Area
Media resources and additional information
More media releases
Dementia peak body welcomes Serious Incident Response Scheme to protect senior Australians
Dementia Australia has welcomed the introduction of a Serious Incident Response Scheme by the federal government to protect vulnerable and senior Australians from abuse and neglect. Dementia Australia CEO Maree McCabe said the scheme is an important step in helping to keep people living with dementia safe.
Australians urged to be on alert for elder abuse, with concerns more people living with dementia at risk
Today on World Elder Abuse Awareness Day, Dementia Australia is urging all Australians to know the warning signs of elder abuse and to be alert to vulnerable Australians, including people who live with dementia. Dementia Australia CEO Maree McCabe said elder abuse is a serious issue that is likely to have become even more prevalent during the COVID-19 pandemic.
ACT government's first steps towards a dementia-friendly Canberra welcomed
Dementia Australia has welcomed the launch of the Australian Capital Territory's (ACT) Age-Friendly City Plan, which includes a focus on some areas becoming dementia-friendly. Dementia Australia CEO Maree McCabe said the focus of the Plan is on practical achievements that address the barriers older Canberrans have said they face in living free from abuse, staying mobile, remaining socially connected and having good access to services.


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Crowdfunded real estate companies like Fundrise are similar to today's peer-to-peer lending companies. Like Lending Club and Prosper, they offer a platform that matches real estate investors with investment choices. They help people looking to invest money in real estate in a passive manner. Also, investors can avoid bargaining with sellers. No need to get involved in the transfer of ownership and management of those properties either.
Seeing the residential real estate boom coming, I started buying single-family rentals in 2002. I learned a lot about real estate investing and passive income properties over the next five years. As someone that has flipped houses as well as managed a group of rental properties, the best advice I can offer is to know yourself and how much time you are willing to spend on the business.
I have already come up with 50 ways that a management company can screw you for profit without you ever knowing(or not finding out for awhile). Did you have an inspection before you made an offer on the property? Do you have a picture of the property you bought? How do you know if that picture shows the house you actually own? or if it even hows the 'current' state of the house you own?
All written content on this site is for information purposes only. Opinions expressed herein are solely those of AWM, unless otherwise specifically cited. Material presented is believed to be from reliable sources and no representations are made by our firm as to another parties' informational accuracy or completeness. All information or ideas provided should be discussed in detail with an advisor, accountant or legal counsel prior to implementation.
I've got a $185,000 CD generating 3% interest coming due. Although the return is low, it's guaranteed. The CD gave me the confidence to invest more aggressively in risk over the years. My online interest income has come down since I aggressively deployed some capital at the beginning of the year and again during the February market correction. You'll see these figures in my quarterly investment-income update.
Focus on your primary passive income stream first. It's difficult to grow your passive income into multiple streams if you don't already have one, solid stream. Focus all of your efforts on that one project first and help it grow as productive as possible. Then, you can take the money you've made and lessons you've learned from this passive income stream and put them into others.
Obviously, these are much higher than you're going to get with most other investments. What's more is that you can choose a plan that matches your investment strategy, whether your goal is Supplemental Income, Balanced Investing, or Long-term Growth. You can also look at different real estate projects and choose for yourself which ones to invest in.
Passive income is earnings derived from a rental property, limited partnership or other enterprise in which a person is not actively involved. As with active income, passive income is usually taxable. However, it is often treated differently by the Internal Revenue Service (IRS). Portfolio income is considered passive income by some analysts, so dividends and interest would therefore be considered passive.
However, you should pick a niche and blog about that. If you're launching a money related blog, maybe it'll be about how to make money in real estate or simply how to make money online. Pick the niche and stick to it. If it's a diet and fitness related blog, maybe the niche is the Ketogenic diet, the Atkins diet or some other form of diet or fitness.
Basically, people looking to borrow money will make a listing on the site. Those borrowers are then placed into a category and given a "rating" based on their credit history and rate. You, as an investor, will contribute money to these loans and then be paid back at the predetermined rate of interest. Invest and see those monthly interest payments deposited into your account.
The books are pleasantly organized, customers served, teams managed, etc. The problem (in my mind) is that this is hugely time intensive and easily capped. Income = Time x Value, where Time is a finite resource limited to 24 hours a day (or, more realistically, 12).The way most people address this is to change the second variable. They get a law degree, MBA, or PhD, making their time worth more money. This works swell… but it's still limited. At some point, you're that lawyer making $550/hr, but your income potential is capped, as willingness to pay more is at it's highest, and no new time can be created. What to do?
Remember, a successful business solves people's problems. At first, you're going to have to do the legwork and put in the time. But it's about building something now so you can reap the benefits later, with the help of software, tools, automation, and people you hire. In this way, you can then turn this business that solves people's problems into something that generates passive income for you!
For example, a three-year $10,000 loan with a Prosper Rating of AA would have an interest rate of 5.31% and a 2.41% origination fee for an annual percentage rate (APR) of 6.95% APR. You would receive $9,759 and make 36 scheduled monthly payments of $301.10. A five-year $10,000 loan with a Prosper Rating of A would have an interest rate of 8.39% and a 5.00% origination fee with a 10.59% APR.
In the real estate market, the one of best ways to generate passive income is by investing in turnkey rental properties that are ready to rent with and are managed by property management companies. In theory, the process is relatively simple. You either research properties or have people you trust do it, find ones that are in good condition and preferably in good areas, pay a reputable contractor to perform any repairs and ensure the property is in its best possible condition, and then hire a trusted property management company to handle the administrative tasks, including collecting rent, documenting and paying for maintenance and repairs, and sending money to you.
Writing an e-book is very popular among bloggers, as many have noted that "it's just a bunch of blog posts put together!" You will not only have to make an investment of time and energy to create the e-book, but market it correctly. However, if marketed correctly (through blogging affiliates in your niche, for example), you could have residual sales that last a very long time.
I'm feeling inspired! I've been a PT for 19 years and I feel I have so much experience to offer but have been so intimated by starting a blog. I also subscribed to Michelle's website but wasn't sure it was for real. Is it for real? After reading this I feel like it's time to take the plunge, I need to start a blog, I have so many ideas and even course ideas. I want to get away from the paperwork that plagues our healthcare system but not leave the field so the blog just might be the answer. I've been a landlord for 15 years now, great investment for sure, renters paid for the down payment of our house and should hopefully help pay for our kids college. I'd love to have one more! Thank you for the inspiration, wish me luck with my blogging!
This company mainly focuses online business and internet marketing products, but there are also other products ranging from health and fitness to travel. One of the great things about DigiResults is that both vendors and affiliates get paid at the point of sale, and not a month or two later like most affiliate marketplaces. I've been using their system and so far it's one of my favorites.
Stocks, bonds, 401(k)s, annuities, etc. are great ways to earn passive income. If you're not financially savvy, you'll want to hire a financial advisor who'll help you choose the right investments for you. You may want to take a couple of finance classes to understand what your advisor is speaking about when he/she recommends an investment strategy. Done right, investments can pay off for years.
Creating passive income is one of the most important steps towards retirement. Passive income is money that comes in without any work from you. Stock dividends, rental property income, interest on notes are all forms of passive income. Truly passive income is almost impossible to achieve, because every investment involves some sort of work. Stocks are fairly easy to buy, but still require research, while real estate is more difficult to buy, but can produce much higher returns.
Passive income is a great tool for building retirement income faster, paying off debts, and, ultimately, retiring early and comfortably. If you have passive income during your retirement years, you potentially could live as well as you did during your peak earning years. Passive income is money you earn without doing actual labor. Often times, it comes from investments, such as in rental properties, stocks, bonds, annuities, and other investments. https://i0.wp.com/www.manicinvestive.com/wp-content/uploads/2016/06/active-income-vs-passive-income.png?resize
Whether you're investing for your approaching retirement or beginning your passive income approach well ahead of time, passive investing is for anyone who seeks true financial peace of mind and passive income. If you had $10,000 month coming in passively, what would you be doing today? You don't have to be an active real estate investor to achieve your goals — but you do need to find passive ways to direct some of your money into real estate.
The point I wish to communicate to you and the community members from the example of my thought process above is this: since deciding to become a Netpreneur, I've never been SO miserable in my entire life. I'm overwhelmed with all this data I have gathered and it paralyzes me to the point I've NOT set up a blog or website because I'm too confused to do so!!
Developing passive income is different. With the exception of one of my passive income streams (cryptocurrency mining), all of the others require real, hard work. Truly, I understand the barriers for people getting into building alternative income streams. I would say that most people WANT passive income, but truly aren't willing to put in the blood, sweat, and tears to make it happen.
Secondly – and this is just quibbling – I'd change that risk score. The risk of private equity is incredibly high and should be considerably riskier than bonds! You are providing a typically very large amount of capital to one business that you agree to have no control over, and the success or failure of that business over a locked, predefined term determines your return. And in the few deals I've negotiated for clients, my experience has been that there are often management fees, performance fees, etc. that may cut into your potential gains, anyway. You're putting a lot of eggs in one basket, and promising an omelet or two to the management no matter what. You really need to be confident that you found the next Uber before you take this giant risk!
Passive income is defined as income-generating activity that is independent or loosely dependent on time commitment. Just so we're on the same page, here, there's no such thing as making money without creating value (I wish), and creating value takes time and effort. So, you are technically transacting time for money, in a way. But passive income is where we separate or at least alienate the proportional relationship between time spent and money made. It's where there is no longer a fixed ratio, and if there is, it's not a 1:1 ratio, but more like a 10 or 20:1 ratio of man-hours-worth-of-time to actual time. As another side note, knowing how much your time is worth both to you and on the open market is a valuable piece of information for guaging how effective your passive income activities need to be.
Brian had found a huge need for web design in the restaurant and food truck space. After getting tired of working with client after client, he decided to turn his service-based business into a product-based one. He made his services more standardized and productized. He eliminated all his client work and created templates and products to serve that market instead. And it's been going great for him.
You also get to see specific details about each loan, including what the borrower is using it for, the state they live in, how long the pay-off period is, what the monthly payments are, and what rate the borrower will pay. It helps you get a better picture of what type of risk you're exposing yourself to, and you get to take more control over your investment.
However, you should pick a niche and blog about that. If you're launching a money related blog, maybe it'll be about how to make money in real estate or simply how to make money online. Pick the niche and stick to it. If it's a diet and fitness related blog, maybe the niche is the Ketogenic diet, the Atkins diet or some other form of diet or fitness.
2) Find Out What You Are Good At. Everybody is good at something, be it investing, playing an instrument, playing a sport, communications, writing, art, dance and so forth. You should also list several things that interest you most. If you can combine your interest plus expertise, you should be able to monetize your skills. A tennis player can teach tennis for $65 an hour. A writer can pen her first novel. A finance buff can invest in stocks. A singer can record his first song. The more interests and skills you have, the higher chance you can create something that can provide passive income down the road.
While building apps for Apple (or Android) mobile devices can be a lucrative way to generate passive income online, it's not as easy as many people make it seem. Beside the fact that it's hard to get your app noticed among the millions being released every year, most people expect apps to be either free or very inexpensive. In fact, a recent study found that only 11% of apps are paid for. The number of paid apps will only decline over time as more players join the market. The key, like many of the business model mentioned here, is to be strategic and creative from the very start. There are a few ways to monetize your app and keep it free for users. Examples include advertising, premium services, and sponsors.
Fundrise – With a minimum investment of just $500, investors of all types can make crowd-funded real estate investments through Fundrise. This means you get the benefits of being a landlord without actually having to deal with owning or managing the properties yourself. Even though we own 2 rental properties, we recently began investing in Fundrise ourselves. We love it because there is no "accredited investor" requirement, making it far more accessible for the average person than the other two options below. Follow the link above to learn more, or read our full review here.
Non-fiction e-books that educate your potential audience on specific topics like finance, online marketing, and business are going to make you more money than fiction books. Of course, there are always exceptions and you could write the next Harry Potter book, but if you want to create some residual income opportunities quickly, I would suggest you go for what sells first!
Given the growth in the sharing economy, your junk can start to pay for itself. For example, if you have some awesome vintage furniture inherited from your grandmother sitting in a storage unit, you can rent this out to photographers for their "styled shoots" which are becoming all the rage. If your furniture is more modern but you still can't bear to get rid of it – perhaps a home stager will be interested.
In Eric Reis's The Lean Startup, a fantastic book about how today's entrepreneurs and startup companies are approaching the way they create and innovate, Eric talks about how vital it is to use validated learning and scientific experimentation to be able to steer a company in the right direction. In other words, to use customer feedback and quantified data analysis (of real, non-vanity metrics) from a minimal viable product to make decisions and pivot a business one way or another.
Earn royalties from writing books, songs or developing products. You can even buy someone else's share of a song via a writer's auction. For example, if a songwriter dies, his/her heirs have the right to auction off a percentage of their songs during an estate sale. You bid on a song, and if it's accepted, you own a piece of it and receive a royalty check each month, which can be deposited into your savings or checking account or a special savings account like a financial freedom account.
Bryan added: "If you make your choices based on, not 'how can I get money for free?' but on, 'What challenge can I put in front of my face that's going to have me step up to be the kind of person I'd rather be?' you're going to start to forget about wanting passive income, and you're going to start to focus on what purpose you truly want to create the world."
Freelancing is on the verge of going mainstream. Thirty-six percent of the international workforce now freelances, at least part-time. There are also 40.9 million adults in America who are self-employed. Clearly, freelancing is catching on. But with rapid growth come certain challenges, one being an increased competition for well-paying job and price reduction by those who think they can afford low-bidding at least for now. https://www.listenmoneymatters.com/wp-content/uploads/2017/08/LMM-Cover-Images-1.jpg
If someone stole my hard work and passed it off as their own, I'd be livid and would pursue them to the ends of the Earth for full restitution. A man I hired to work with me registered my preferred domain name of my business and has re-registered it in subsequent years. That's bad enough; I'm mad as hell. The worst aspect of his behaviour is that I don't know WHY he has done that; I paid him the fee we had agreed on and thanked him for his input. We also got along perfectly well during the project so far as I know, so I don't see what his problem is.
That depends what you call a "good" lifestyle. Could I rent yachts and get bottle service every weekend living off my passive income? No way. Could I travel 10–15 weeks a year and live in central Tel Aviv with money to spare? Definitely. I was able to earn low 6 figures completely passively. But if you want to make boatloads of money, and step up to the 7-figure territory, then yes, you're going to need a combination. If, however, you want time to pursue your passions and have a moderate amount of fun, you can definitely sustain yourself with passive income.
Amazing that you saved between 50% to 75% living in NYC…I think that is one thing holding me back…the cost of living here. I'd like to invest in real estate, but I can barely afford to buy a place to live. I don't need a large income to be happy, but I probably do need an income to support living in NYC as we don't plan on leaving. The only thing I'm doing at the moment is saving in my 401K, IRA and a I dabble in stocks and P2P lending.
Speaking from our own experience, you can't be a passive McDonald's franchisee. Every McDonald's potential franchisee will need to complete at least thousands of hours of training before he/she would be approved to acquire a franchise and only if he/she has the financial resources to acquire a franchise. It could take years before one would get a single store franchise. Until the franchisee eventually has acquired multiple stores and established his/her own management team, the franchisee would have to put his/her nose to the grindstone and work his/her ass off every day. I won't call it a passive investment by any stretch of imagination.
The point I wish to communicate to you and the community members from the example of my thought process above is this: since deciding to become a Netpreneur, I've never been SO miserable in my entire life. I'm overwhelmed with all this data I have gathered and it paralyzes me to the point I've NOT set up a blog or website because I'm too confused to do so!!
But nowadays, there is so much opportunity if you search for brand-suitable domains and also keyword-rich or otherwise popular names on the myriad of new domain name extensions like .io, .at etc. And I should know, because I've paid several domain squatters a king's ransom to purchase these sorts of domain names in the last few years! Continue reading >
Let's continue the vintage BMW idea. Old cars obviously require quite a lot of maintenance. Many people will buy a "fixer upper" with the intention of spending their spare time repairing and restoring it. There's a very obvious market here: a guide to restoring different BMW models. Depending on your knowledge, you could produce detailed guides for the three or four most popular models and sell them. Not everyone restoring a car will buy them, but some probably will.
A perfect example of the Active Problem Solving + Automation concept is in my online courses I've created over the years, or my free webinars I've created more recently Each of my online courses and webinars are targeted to help people with specific problems, whether that's in the area of affiliate marketing, podcasting, building a brand, and so forth. I am always improving upon the courses, but they are also evergreen for my audience.


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The break in play is now a distant memory and the NRL is in full flight as we enter Round 7!
Thursday night's match between the Panthers and Rabbitohs shapes as a blockbuster, as does Saturday night's Eels vs Raiders game. Otherwise, we're faced with pretty clear favourites in every other contest!
You can find a preview of each game and all my NRL Round 7 tips below.
We might not have to wait long until the match of the round!
Both Penrith and South Sydney have found terrific form recently and I can barely separate them ahead of Round 7.
I personally wasn't too sure of Penrith's legitimacy until they comfortably outplayed the Storm in Round 6 and now, I am a real believer.
Their forward pack is immense and full of blokes who can play eighty minutes, while players like Josh Mansour in the backline appear to have returned to peak condition.
They look set to start favourites against a South Sydney side who have continued to improve with each effort since returning from the break, culminating in an absolute flogging of the Warriors.
Sure, it's pretty hard to line up the form from a win over a team who are extremely inconsistent, and who fired their coach immediately after the game in question, but there is absolutely no denying how clinical the Rabbits were.
I genuinely think this could fall either way, so I'm instead going to put my money somewhere else that was hinted in the stanzas above.
A mammoth task awaits the Warriors when they line up opposite the Storm on Saturday evening.
For their lofty standards, the Storm have actually only managed 2-2 since returning from the break, but they simply cannot ever be underestimated and rarely do they lose two in a row.
There was still a lot to like about what they managed to do against the red-hot Penrith last week and a similar performance against New Zealand would surely herald a completely different result.
The Warriors have actually been a real thorn in the side of the Storm in Melbourne these last few years, but that one chance they appeared to have has now disappeared with the game moved to Sydney.
Sometimes teams can respond with a big performance off the back of a change in coach, but I really can't imagine that the Warriors will be able to compete for the full 80.
Betting suggests that the most one-sided game of Round 7 will come up later on Friday night, and it's really not hard to see why.
The Roosters have absolutely dominated everyone.
They are head and shoulders above everyone, and I seriously think that there is a case to be made for the footy they are currently playing being the best they have played during this dynasty.
Even last week, the previously undefeated Eels put up something of a fight, but the Roosters still managed to win in the 13+ bracket.
When considering that, and then considering that the line for this game against the Dragons is only 16.5 points, it shapes as one of the all-time greatest bets.
I will all but give up tipping the footy if St George win.
All three Queensland clubs have been struggling and another big task faces the Cowboys on Saturday, when they take on the Knights.
Despite still having a decent enough roster, the Cowboys' desire to compete in the NRL has seemingly fallen off a cliff.
It was evident more than ever in Round 6, with errors galore and even their stars failing to make anything of an impact.
They charged home late, but I think that was more a case of Wests calling it a day early than anything.
The Knights meanwhile charged back into the winner's stall when they became the latest club to beat the Broncos.
Mitchell Pearce and Daniel Saifiti were standouts, but nearly every player has some sort of impact and another performance like that would simply be too good for the down and out Cows.
It would take a big improvement for this to be the Queensland Derby that we've all been hoping for but if nothing else, it means that at least one club from the self-appointed 'heartland' of Rugby League will be winning in Round 7.
The Broncos have been just awful.
Even when they had Manly on the ropes two weeks ago, they choked, and then were comfortably beaten by the Knights.
More new players, positioning and combinations will be tested this week and it can't be installing any confidence in fans and punters alike.
I actually think that there's been some thing to like about the Titans since returning from the break.
The win over Wests was obviously great, but they competed somewhat credibly with the Dragons and the Rabbits in the wake, and I think that the bookies are giving the Broncos far too much credit in betting for this one.
Saturday night is saved for high quality matches and the NRL have really delivered in Round 7!
The Eels suffered their first defeat of the season in Round 6.
While it is fair to say that everyone would lose to the Roosters in current touch, I also think that it's fair to say the Eels were lucky not to have dropped any points prior to it.
They're clearly good, but I think that by season's end, it might be proven they are just a touch below the absolute top echelon of teams.
On the other hand, I think that the Raiders might prove to be in that top echelon.
They looked like they'd be unbeatable when they did in the Storm in Round 3 and while they've only been shaky in three subsequent games, I think they'll keep improving.
This game will be a real indication as to how well they're going, and I think that Ricky will have them cherry ripe.
Very, very interesting game, this one.
Manly are an exciting side and really did put the writing on the wall with a tough win over the Raiders in Round 6.
Dessie's impact since returning to the Northern Beaches simply cannot be understated, but there is absolutely no doubt that Tom Trbojevic is the ultimate linchpin to their success.
He won't be available for selection in Round 7.
While I still think that Manly are a far better side than Cronulla, it really opens the door for the Sharks to strike.
Manly have a habit of beating themselves when Turbo isn't available and if the Sharks identify that and play up to their abilities, they are a serious chance of winning.
I'm staying away from match and line betting because I simply have no confidence in it.
Another good opportunity faces the Tigers (proudly sponsored by Neds) when they meet the Bulldogs in the final game of the round.
What a first half it was for Michael Maguire's men in Round 6.
From literally the first minute when Zane Musgrove crossed for the game's first meat pie, they were in complete control, and went into the sheds on the right end of a 36-0 score line.
The break in momentum had disastrous effects however, and they were kept scoreless by the Cowboys in the second 40, while also leaking 20 points.
Against a mediocre side, it doesn't matter too much. Against a good one, they would have been punished.
It's going to be a long season for the Dogs, but they are still trying week-in, week out, and gave Cronulla a real game in Round 6.
I think they can cover a line that is currently set at 5.5 points as the outsiders.


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Quiet , private mountain retreat in the beautiful Ponderosa Pines . Horse corral available, hiking , mountain biking and horseback riding on great local trails, Antique shops ,restaurants in town or stay in and relax in private, Enjoy the Elk and Deer wandering around.
Cozy one bedroom cabin tucked away at the base of the Mogollon Rim, in Pine, AZ. Pine, located in the heart of beautiful Arizona, has several eateries / pubs, antique shops, ice cream shops, a lavender farm, farmer's market, and grocery market. Tonto Natural Bridge is just minutes away, as well as numerous hiking trails. Day trip proximity to Mogollon Rim lakes, Sedona, Jerome, and other places. Parking available for ATV / UTV trailer. Relax and view wildlife in the local area.
Strawberry with its cooler air, many hiking trails, unique shops and restaurants is an ideal spot to go for a quiet get away. Fossil Creek and Tonto Natural Bridge are just a couple of the close trails. You can also hike up the trail seen from the comfort of the front porch.


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The Atticus Floor Lamp by Robert Abbey is a unique and elegant addition to the home. Swirled bubble Glass accents add character to the base of this lamp, framed with a polished metallic finish. A streamlined body rises to meet ...
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- 7 Beds
- 7 Baths
- 11,625 Sqft
About This Property
Architectural Digest was impressed, You will be too! An unexpected surprise as you drive through the private iron gates and brick paved entrance. No doubt the original owner when selecting this location near San Marco realized its beauty and surroundings. Situated on a high bluff & widespread bulkheaded lot that spans 218 feet along the rivers edge. Lovely and stately 2 story all brick home is positioned perfectly to capture views of grounds and gardens.Sunlit river views are captivating the moment you enter. The incredible architectural details are prevalent throughout entire home. Elegantly designed doors & windows lead to veranda where multitudes of guests can be entertained. Enjoy romantic outdoor dining in summer kitchen pavilion complete with a Forno. Dock & Boatlift just steps away
Essential Information
Community Information
Water - Public, Sewer - Septic Sys, Sep Irrigation Meter
Driveway, Attached Garage, Detached Garage, Garage Door Opener, Other Parking, Courtyard Entry Gar, Oversize Gar/Storage, Circular Drive
Pool - In Ground, Hot Tub / Spa
Interior Features
Ceiling 8+ Ft., Bay/Bow Window(s), Palladian Window(s), Window Treatment(s), Sliding Glass Dr(s), Wall-to-Wall Carpet, Tile Floors, Wood Floors, Marble Floors, Walk-in-Closet(s), Built-in-Bookshelves, Elevator
Range Gas, Microwave, Dishwasher, Disposer, Refrigerator, Washer, Dryer, Washer/Dryer Connect, Self Cleaning Oven, Compactor, Ice Maker-Refrgeratr
Central Heating, Electric Source
Central Cooling, Electric Source
Mantle, Fireplace-Living Rm, Frplc-Fam Rm/Den/Gr, Wood Burning Frplc, 2 or more Fireplaces
Exterior Features
Patio - Open, Patio - Covered, Summer Kitchen, Outside Lighting, Detached Shed, Dock/Pier, Bulkhead, Lanai, Sprinkler System, Boatlift, Other Building(s)
School Information
Additional Information
Listing Details
Properties for Sale Similar to 4470 Worth Dr West, Jacksonville, Florida
5 Bed • 5 Bath • 7,557 Sf • 1 Acres
2508 River Rd, Jacksonville
New Price!! 1st Time This 1 Owner Riverfront Newer Home In San Marco Has Been On The Market.the Home Features 1 1/4 Acres Of Gated Property Along ...View Listing
5 Bed • 6 Bath • 10,204 Sf
3904 Alhambra Dr West, Jacksonville
Enter The Gates Of This Stunning Riverfront Estate And You Will Instantly Feel As Though You Have Been Swept Away To A Chateau In Normandy, France....View Listing
The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the Northeast Florida Multiple Listing Service, Inc. Real estate listings held by brokerage firms other than Phyllis Frankel Realty Group are marked with the listing broker's name and detailed information about such listings includes the name of the listing brokers. Information deemed reliable but not guaranteed.
©2020 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
Listing information last updated on July 10th, 2020 at 9:38am EDT.


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21 Nisan 2011
Recording of the live broa
Seyh Effendi is saying that 21st century Muslims are abandoning the Shahadat. Muslims are following unbelievers, and trying to make Islam into a new religion. We have to value the five daily prayers, we have lost the reality of what it means to be an imam.
ALLAH (SWT) shows us lessons through even the tyrants like Saddam Hussein, who was discarded after dunya was done with him. Tyrants are running for the sake of dunya, we have to run for the sake of ALLAH, the Holy Prophet (S), the sahabi, and we have to think about what happens to us when the Angel of Death appears to us.
Seyh Effendi is saying that we must work hard in order to change ourselves, not our destiny. If we are with the Saliheen and working to better ourselves, we will be more grateful and see more easiness come into our lives.
More stuff from "Naksibendi Channel"
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Investing should be easy – just buy low and sell high – but most of us have trouble following that simple advice. There are principles and strategies that may enable you to put together an investment portfolio that reflects your risk tolerance, time horizon, and goals. Understanding these principles and strategies can help you avoid some of the pitfalls that snare some investors.
When Markets React
When markets shift, experienced investors stick to their strategy.
5 Smart Investing Principles
Principles that can help create a portfolio designed to pursue investment goals.
Have A Question About This Topic?
TIPS for Inflation
If you are concerned about inflation and expect short-term interest rates may increase, TIPS could be worth considering.
The Anatomy of an Index
The S&P 500 represents a large portion of the value of the U.S. equity market, it may be worth understanding.
Investment Challenges of the Affluent Investor
Affluent investors face unique challenges when putting together an investment strategy. Make sure you keep these in mind.
Global vs. International: What's The Difference?
International funds invest in non-U.S. markets, while global funds may invest in U.S. stocks alongside non-U.S. stocks.
How the Federal Reserve Works
Each day, the Fed is behind the scenes supporting the economy and providing services to the U.S. financial system.
You Would Rather Be...
Are you a thrill seeker, or content to relax in the backyard? Use this flowchart to find out more about your risk tolerance.
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What Is the Dividend Yield?
This calculator helps determine your pre-tax and after-tax dividend yield on a particular stock.
Impact of Taxes and Inflation
Estimate the potential impact taxes and inflation can have on the purchasing power of an investment.
Saving for College
This calculator can help you estimate how much you should be saving for college.
How Compound Interest Works
Use this calculator to better see the potential impact of compound interest on an asset.
Taxable vs. Tax-Deferred Savings
Use this calculator to compare the future value of investments with different tax consequences.
Contributing to an IRA?
Determine if you are eligible to contribute to a traditional or Roth IRA.
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5 Smart Investing Strategies
There are some smart strategies that may help you pursue your investment objectives
5 Smart Investing Principles
Principles that can help create a portfolio designed to pursue investment goals.
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Jane Bond: Decoding Diversification
Agent Jane Bond is on the case, discovering how bonds diversify a portfolio.
Jane Bond: Infiltrating the Market
Agent Jane Bond is on the case, cracking the code on bonds.
Bursting the Bubble
Tulips were the first, but they won't be the last. What forms a "bubble" and what causes them to burst?
Where Is the Market Headed?
We all know the stock market can be unpredictable. We all want to know, "What's next for the financial markets?"
16 Wall Street Cliches in 60 Seconds
Pundits say a lot of things about the markets. Let's see if you can keep up.
You've made investments your whole life. Work with us to help make the most of them.
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IN CONVERSATION: HARVEY DAVIES AND PENNY ADIE at The Two Moors Festival
Date(s) - 19/10/2019
11:00 am - 2:00 pm
The Spinner Suite
Last year's talk was as vibrant as it was fun – for audience and artist alike. This year, Two Moors Artistic Director Penny Adie will be chatting to the Festival's 2019 Resident pianist, Harvey Davies, about his life in music, as much sought-after pianist, coach and accompanist, his work at the Royal Northern College of Music and his research into the neglected composer, Arnold Cooke. There are bound to be anecdotes…
Upcoming Events
14 Tue
Budleigh Salterton Male Voice Choir Rehearsals14/07/2020 | 7:30 pm - 9:30 pm
14 Tue
Exmouth A Cappella14/07/2020 | 7:30 pm - 9:45 pm
14 Tue
NEW BALLROOM AND LATIN SEQUENCE DANCE CLASS14/07/2020 | 7:30 pm - 8:30 pm
14 Tue
Ki Aikido14/07/2020 | 8:00 pm - 10:00 pm
15 Wed


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After reading the Neinsteins' blog during quad blogging we decided to try a time lapse of our own. Here's the first …. there'll probably be many more.
Filed under: Writing | Tagged: video | 4 Comments »
After reading the Neinsteins' blog during quad blogging we decided to try a time lapse of our own. Here's the first …. there'll probably be many more.
Filed under: Writing | Tagged: video | 4 Comments »
We are writing letters to a school in Christchurch as part of 'chip-in for Christchurch" day on July 15. In our letters we are including a QR code to a YouTube video we made- "Smiles for Christchurch". You can see the video below.
by Room 11
Filed under: video, Writing | Tagged: christchurch, glenviewgo, Interesting, video | 5 Comments »
It seems my time is spent on Twitter these days, but here's a new post for my edublogs blog. I saw a link from Mashable on Twitter today and it gave me an idea for a class project. Here's a quick video I made to explain.
Of course it needn't be the student's own face that the talking mouth is added to. It could be a character from a book, an historical character or anyone/anything else that suits. I didn't use a QR code on my image, but if you use a QR Code generator and upload videos to YouTube you can use the same QR enabled device for many different objects.
The original Mashable post is here.
And this is me… (click the image to embiggen)
Filed under: Uncategorized | Tagged: mashable, QR Codes, teachernz, twitter, video | 5 Comments »
The whole school skipped on Friday morning. We were raising money for the Heart Foundation through Jump Rope for Heart. Here's Room 13 with their skipping.
Room 13
Filed under: Writing | Tagged: glenview, glenview13, glenviewgo, skipping, sport, video | Leave a comment »
Room 13 and the other year 4 classes have had Wintec students at school for the last few weeks. Here's one of the activities we did with them.
Filed under: video | Tagged: glenview, glenview13, glenviewgo, sport, video | 6 Comments »
Students from rooms 7, 8 and 9 interviewed Mr Mangan last term. They wanted to know what he thought about recycling and about Glenview becoming an Enviroschool.
The team only had one camera – see if you can work out how they filmed the interview.
There were lots of photographs taken and I'll add them here later.
Mr F
Filed under: Writing | Tagged: glenview, media team, video | 7 Comments »
At TED|India the genius that is Pranav Mistry revisits his sixth sense device, shares other human interface devices he's worked on in the past and shows us a possible future of ubiquitous information and gesture based digital interaction. He also reveals that the software behind sixth sense technology is to be released as open source.
If you've seen sixth sense before – there's more here, as well as an unusual use for a regular sheet of paper. If you can't wait, the real fun starts at about 8:00 minutes in.
Where does this guy get his ideas?
Filed under: Uncategorized | Tagged: connected, Sixth Sense, teachernz, TED, video | 1 Comment »
If you've read my earlier post Talking the Talk you'll know how I feel about hearing my recorded voice. Yesterday the chance arose to take another step up the ladder and produce a video.
@catspyjamasnz asked for people to contribute to her project What My PLN Means to Me and to add a video to the wiki.
So here's my contribution. Like I've said before, we have to put ourselves out there and get over our dislikes, fears and phobias. How can we expect children to do this if we don't?
Filed under: Uncategorized | Tagged: PLN, teachernz, twitter, video | 3 Comments »
I went skiing on Ruapehu last weekend and brought in some photos and movies to share with Room 9. In these photos and movies me and my sister Ashleigh went skiing in the weekend. And we don't have to do it with poles.
by Room 9
Filed under: Writing | Tagged: glenview9, Interesting, Mouny Ruapehu, snow, sport, video | 1 Comment »
A month ago I sent this tweet about a video at MIT.
The link http://is.gd/nBFI goes to an article at Computerworld.com that includes a video that is amazing. It looks a bit clunky at the moment, (I compared it to this polished MicroSoft promo) but imagine what it could be like! I'd intended to blog about it, but other things came up and it slipped my mind/fell to the bottom of my to do list.
Today I found a video on TED that explains more about "Sixth Sense". Watch it below.
Remember that this is a prototype. What if it was integrated onto our clothing or mobile devices? The possibilities are almost endless.
Filed under: Uncategorized | Tagged: augmented reality, future, MIT, Sixth Sense, teachernz, TED, video | Leave a comment »
At the weekend we made a video to enter a What Now! competition to win a MEGA DISNEY PACK!
by MatSav and GatMic
Filed under: funny, Room 9, video | Tagged: dancing, dancing video, glenview9, video | 5 Comments »


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Casual Holiday Outfits | How to Pair Your Festive Leggings
Gearbunch Blog Team @ 2017-11-13 11:08:42 +1100
Feeling excited about the holiday season already? But you are not really in that "dress to impress" mood completely, and would rather enjoy some cozy moments near the fireplace or a warm huddle inside your favorite coffee bar, likely sipping a cup of hot chocolate. We totally feel you! The heightened sense of expectation about that fabulous 'holiday outfit' can make you want procrastinate the whole rush for being extra dressed up during this time of the year, and wrap in the warmest sweaters along with your comfy leggings instead. If you've decided to spend the next two months in...


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Searching For Sexy Singles In China? Welcome To Interracial Dating Central
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Commitment to child safeguarding
The Xavier Network (XN) approved the 'Commitment to Child Safeguarding' (CCS) document, in a meeting held in Nuremberg on 7th March 2019, which has consolidated its approach to supporting partners…Read More
The Xavier Network (XN) approved the 'Commitment to Child Safeguarding' (CCS) document, in a meeting held in Nuremberg on 7th March 2019, which has consolidated its approach to supporting partners…Read More
The crisis in Venezuela, international disaster relief and child protection in projects worldwide are on the agenda of the meeting in the first week of March. The Xavier Network consists…Read More
The MAGIS Foundation, the NGO of the EUM Province of the Society of Jesus, is thirty years old. In 1988 the Italian Jesuits decided to create an efficient structure for…Read More
Directors of Jesuit Missions UK Paul Chitnis, and Ireland Fr John Guiney SJ recently met in Dublin to discuss their strong desire and commitment to create a closer collaboration between the two…Read More
Monsoon is the time for cultivating millet, clearing weeds and harvesting potatoes in Tipling, the remotest village of Dhading. At this time of the year, schools have monsoon holidays when some…Read More
"Rights provide dignity to human life. The more rights the more life," says Yacub from Lok Manch, the people's forum in India which Xavier Network supports. The priority of the…Read More
Gandhi Ashram was founded in 1992 by Fr Edward McGuire, a Canadian Jesuit. He was asked by his Superior to open a school for poor children in Kalimpong, in the…Read More
In mid June, thirty collaborators from across the British, Irish and European Lowlands Jesuit provinces met in Drongen, Belgium to discuss new ways of communicating. The Old Abbey (Oude Abdij) in…Read More
Pope Francis has urged the global community to adopt a shared response to the global refugee situation that may be articulated in four words: welcome, protect, promote and integrate. This…Read More
Tributes paid to Fr Joseph Mallin SJ at his memorial mass in Dublin by his family, friends and Jesuit companions. A memorial mass was held in Dublin for Irish Jesuit…Read More


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Equipboard's gear archive is collaboratively built and maintained by fellow music lovers like yourself. Anyone can submit gear and equipment to artists. Joining Equipboard also allows you to create your own list to track the gear you have and want, and follow artists like Pierce Fulton to never miss gear updates.
At 4:23 Pierce uses the Zoom H6 to record his guitar.
This submission is either new or has been edited, and needs its quality rating updated.
[Check out my fave website](https://equipboard.com)


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Ohio State has placed a league-best four players on the Big Ten's team of the decade as awarded by the Big Ten Network.
Leading the way is Evan Turner, who only actually played during one year of the decade but made it impactful. The 2010 consensus national player of the year, Turner was the lone Ohio State player to earn first-team honors.


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10 Weirdest Footballer Cameos In Movies
10 Incredible Premier League "What Ifs"
FIFA 21 Reveal: 10 Things We Most Want To See
James Kent is a freelance writer published on Yahoo! Sports, Bleacher Report, FTBpro, Bloomberg Sports and many others. He has also been featured in the Daily Telegraph, Zoo Magazine, MSN Sport and the Manchester Evening News.
His role on What Culture is currently to produce compelling football articles that nearly always use of combination of stats and strong opinion. Feel free to connect with James via Facebook, Twitter and Google Plus.


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Elegance is the attribute of being tastefully designed or decorated, with focus on basic features. Frequently, elegance is synonymous with grace.
Many westerners associate elegance with simplicity and consistency of design, focusing on the main features of an object. Decoration and features are often minimalistic. The proof of a mathematical theorem is considered elegant if it is surprisingly simple yet effective and constructive. Visual stimuli are frequently considered elegant if a small number of colors and stimuli are used, emphasizing the remainder. The color white is often associated with elegance, usually along with blue or black.


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FUEL: Adulting 101
FUEL: Adulting 101 is back and in person! Come join us at Wings Etc. on July 7th at 12 pm for First Time Home Buying. Come meet with Jennifer Wilcox of Lakeshore Realtors and Nicole Parsons with Beacon Credit Union, as well as Enid Tate with Tate Insurance Agency and get your questions answered. This is a free event, and the lunch specials menu is available for you to purchase your lunch! Register now or contact the chamber office at 574-224-2666. We can't wait to finally see you all in person!


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Pull and Push Alongs
Toys that can be manipulated by either pushing or pulling help develop babies's gross and fine motor skills:
- babies use their hands to grip a handle as they push, or grasp a cord as they pull
- strengthen arm and leg muscles as they manoeuvre their toy along.
Push and pull toys also foster independent, creative play, as your baby decides to toddle off pulling their toy puppy on a lead and navigate any encountered obstacles.
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The molecular formula of caffeine is C8H10O2N4.
Caffeine occurs as a white powder with bitter taste, it does not have any odour.
It is a weak base and is feebly soluble in water, chloroform, alcohol and solvent ether. Its solubility in water can be increased in the presence of benzoates, bromides, citric acid and salicylates.
1. Murexide colour reaction : Caffeine and other purine alkaloids gives the murexide colour reaction. Caffeine is taken in a petridish, to it hydrochloric acid and potassium chlorate are added. This mixture is heated to dryness. When the residue is exposed to vapours of dilute ammonia, a purple colour is obtained. If a fixed alkali is added, the purple colour is lost.
2. White precipitate is obtained when caffeine is mixed with tannic acid solution.


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INA NCS1012 Bearing
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