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Investment Funds are pooled or cooperative investment vehicles where all the money from all the individual investors is put together under the name of the Fund.
Investment Funds owns the money of the Investors and has a liability against the individual investor. This is in opposite to segregated funds (or segregated investment), where each investment is kept under the name of the investor, and it is not allowed to pool or mix the investments.
Is there any difference between Investment Funds and Segregated Funds?
It might sound trivial but the difference is big and plays out in case of bankruptcy of the fund or other partners like banks or brokers. While the segregated funds are always under the name of the investor and in case of bankruptcy, they cannot be taken as collateral, this might be different in a pooled investment.
Whereas, the pooled investment fund has benefits, too. For example, it is much easier to manage an Investment Fund than Segregated Fund, because the fund manager of an Investment Fund can just buy, for example 1 Mio. shares for the fund, while the fund manager of segregated accounts has to buy 1000 times 1000 shares for each of his customers.
In addition, it is easier for the fund manager of pooled investment fund to charge cost to the fund vehicle, while the segregated account makes every cost booking visible on account statement of the investor.
Investment Funds can start as small as from 10 CHF while most segregated accounts have high minimum investments.
Investment Funds are important for many persons, be it someone who just started to earn his living, or one who is preparing to retire, investing for better returns is something that is on everyone's mind.
There are different types of Investment funds, which are popular all over the world. People around the globe choose from different funds to invest in.
Below listed are the different types of investment funds:
Let us discuss in-detail about the different types of Investment funds as below:
Mutual fund investment is a wise choice for everyone in different parts of the world. Investment companies collect money from individual investors and create a large pool of investment. This pool is then invested in different bonds, securities or stocks. Since these assets are now part of a huge pool, the investors have some incentives in the Funds management (Tyson, 2010).
Mutual Funds as the meaning of mutual indicates, are a pool of funds that are collected to invest to get higher returns. The funds or assets that are part of the pool are collected from more than one investor. The collected funds are then invested in different bonds, securities or stocks.
Mutual Funds can be defined as some vehicle that carries more than one investment. Investing in Mutual funds mean that the investor is contributing to a pool that will further invest in different types of bonds or stocks.
Mutual funds being a collection of different investments i.e. bonds, securities or stocks, are owned by more than one investor, and managed by fund managers. The fund management is done by professional fund managers of the stock market.
When it comes to the objective of this type of investment funds, it plays an important role in determining the type of securities, this fund will buy.
When you decide to invest in mutual fund, then you must know what are its advantages, disadvantages and other important factors, while investing in mutual funds. There are a lot of things, which define mutual funds as best investment fund; some of them are as follow:
Mutual funds are also known as convenient way of investing since you are not the only investor. The mutual funds include more than one investor which means that the management cost of buying will be reduced.
Mutual fund performance is not a predictable thing. There are lot of investors who check the past mutual fund performance and decide to go with it. Only little people know that the past record of the mutual funds has no effect on its future performance.
Investors cannot predict how much return they will get from it. It is even the case that some funds with high performance get an inflow of money and need to put the money somewhere and decrease the performance by unwise decisions.
Fees and charges are a letdown when it comes to mutual fund performance. Since to buy or sell the mutual funds, one need services of the fund managers which means that you will have to pay him for his services. A lot of profit is lost somewhere between paying fees and surcharges that are attached to the mutual funds.
One of the major drawbacks of the mutual funds is that they are not easy to sell. Firstly, you will hardly find a buyer who is ready to pay your desired amount. Moreover, even if you manage to find a buyer, you will have to pay the up-charge (additional fee).
Most mutual funds are bought directly from the fund company with the help of salesman. Mutual fund salesman gets from 2% to 20% of the investment amount if the customer buys over them. If the mutual funds are traded over an exchange, it is cheaper to buy them over the exchange.
If mutual funds are not exchange traded the buyer might get a problem, if he want to sell them again because he can only sell it back to the fund company. If the fund is not running well the fund company will probably reject the purchase of the fund from the customer.
Real Estate funds are the most old school way of investing your funds. Investing your saving in a property for the sake of getting monthly or yearly rents/benefits is what real estate funds is all about.
Real Estate Funds are portfolio of the diverse real estate holdings managed by professional managers. The Real Estate Funds are of different potentials i.e. investing in real estate or in a family or private residence to commercial developments.
It is up-to investor to decide which type of Real Estate investment suits them the best. The area of the real estate is real wide and has a huge variety for investors to look at (Wickell, 2004).
Investors all over the world found Real Estate Funds Investing to be one of the handiest types of investment funds. Investors find the private or residential properties to be perfect to start with. Investing in the residential properties is a safest way of investment to them; however, it is important to choose it wisely.
Other than residential properties, there is a wide range of options to choose from which includes land development, commercial real estate, manage an apartment and so on.
Following are some important things that everyone should know about Real Estate Funds:
Real Estate Investment Fund is considered to be one of the most comfortable types of investment for almost all classes of the society. People can easily relate to real estate since they must have heard their parents talking about owning a house.
One thing that brings the feel of security is the fact that Real Estate Funds are tangible. Real Estate Investors knows that they owns the piece of property and it is not something that only exists in the papers. The sense of security is an edge that every investor is always looking for.
Real Estate Funds might bring you the sense of security; however, there's a lot of work that investor has to do. Buying house is not an easy thing. You have to search the one that only fits your budget, but will also bring good amount of rent or benefits every month.
You might always think that real estate market is always stable, which is in a certain way true, but the fact that a lot of investors are unaware of is that, usually there is no buyer in the market. You can face a serious hard time when you try re-selling your property.
REIT (Real Estate Investment Trust) fund is one of the common types of investment funds. REIT Funds and Real Estate Funds do have certain similarities but both of them are classified as two different types of investment funds.
There are different types of REITs such as Publicly Traded REITs, Public Non-Traded REITs, Private REITs, Equity REIT, Mortgage REIT and Hybrid REIT. (We'll cover these in our upcoming articles/blog posts in 2018.)
REIT Funds is an investment preferred by investors to indirectly invest in the real estate without putting anything at risk. REIT Funds invests in different types of properties including villa, commercial space or apartments that can generate monthly rental income.
Using Real Estate Investment Trust Funds, the investor cannot directly invest, it is operated through the trust. Almost 90% of the profit is distributed to the unit holders by law (Rubina 2013, 2014).
REIT Funds is the safer version of the Real Estate Funds. Unlike Real Estate Funds, the investor does not have to move place to place, looking for the best piece of investment for the money they have. REIT does all the work for them and investor invests their capital indirectly into real estate.
Following are few things that every investor should know about REIT Funds:
One of the main reasons behind going for any type of investment funds is to get high payouts and REIT Funds completely fits for this reason of investing. As 90% of the profit goes to the unit holder, thus Payout is very high.
The main drawback of Real Estate Fund i.e. the problem in finding the right buyer to sell your property, is well covered in REIT Funds. Whenever you feel like it is time for you to move on from the property you own, instead of selling it, all you have to do is sell your part of the Shares.
REIT Funds are not as convenient as they sound to be. One of the biggest drawbacks is that, the share prices can fall down dramatically. As soon as there is decline in real estate market, Shares prices goes down.
Hidden or untold fees that happen to pop out, are not a pleasant surprise to any investor of REIT Funds. At times, there are high transaction and management fees which lead to lower Payouts.
The lower payouts means that Shareholders will get less profit, which can be highly disappointing.
Close Funds, also known as Close-Ended funds are a cross between the Stock and Mutual Funds. Close Funds have a potential of trading discounts up to double digits to the total asset value which creates further opportunities (Fredman, 2000).
Close Funds also known as Close-End or Close-Ended Funds are a pool of investment. Managing of this pool of investment is done by the fund manager. Through the IPO (Initial Public Offering), there can be a raise in the fixed amount of the capital. As Close Fund is a cross of Stock and Mutual Funds, it is usually traded and listed like Stock.
Close End Funds structure allows the fund manager to work with a decent pool of the capital. Close-End Funds have no problems related to inflows or outflows of the Cash thus they allow the fund manager to invest for long term oriented options.
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Following are some important things that every investor should know about the Closed End Funds:
A common fact about the investors is that they do not want to be solely responsible for the decisions that they make. At some point they do lack the knowledge about the stock market, especially if they are new to it.
Close Funds are managed by fund managers, which mean that investor does not have to rely on his knowledge. The fund manager will do all the work while keeping the investor free of hassles.
The best thing about Close Funds is that they pay larger dividends as compared to traditional funds. Close Funds tends to produce much more income to its investor.
These types of funds are best investment options for people who are more inclined towards the larger dividends, and investors who are looking for income-oriented portfolio.
The reacting nature of Close Funds is different from traditional funds. The reason behind it is the fact that there is reflection of funds Total Asset Value, and is more of a subject to condition of the market. Furthermore, the total amount of Shares is usually limited to total numbers that are issued by Fund Company.
Taxes are one of the big issues that are part of Close-End Fund. Despite the struggle for larger yields, there are chances that they might invest in Stocks and Bonds.
This might be more profitable for the dividends as compared to other common stock; however, Close Funds might result in being taxed for funds payout, considered to be income, instead of low dividend tax rate.
Close funds have a duration, and it's not possible to exit or sell the fund before the end of its duration. You might need to hold the fund for 5 years, 10 years or even 20 years without being able to liquidate it.
Open Funds (also known as Open-End Funds) does not have any type of restrictions regarding amount or number of shares that a fund can issue. This no-restriction quality of Open-End Funds makes it stand out from other types of investment funds. Open Funds provides its investor a useful as well as very convenient vehicle of investing. Open-End Funds are a type of Mutual Funds (Louis, 2014).
Open-End Funds buy as well as sells the units on the regular basis which allows the investor to enter or to exit whenever he aims to. These units are bought or sold at NAV (Net Asset Value) that is declared by the fund. Total number of units can go up and down each time a fund house re-purchases or sells existing units.
Open-End Funds has zero restrictions to the number of shares that can be issued by the fund. Open End Investment Funds are best for investor who do not have time to keep a close eye on their portfolio and still aims for high returns.
Open Funds are managed by fund manager, which makes the life of the investors hassle free. However, Open Funds do not have any restriction of involving the fund manager. The investor can buy or sell his share without taking anyone's help.
Following are few things that every investor should know about the Open-Ended Funds:
Open Open-Ended Funds are popular among masses due to their one quality i.e. accessibility. Open Funds are easy to access and can be found by almost everyone. They are very straight-forward and easy to understand, which saves the investors from additional hassle of understanding them (Aden, 2012).
One of the biggest advantage Open-End Funds offer to its investors is the freedom to enter or exit the market whenever they want. As mentioned above that Open Funds have easy accessibility which means that one can easily buy or sell them whenever they want.
The reliability of the asset valuation is one big drawback of Open-Ended Funds. Whenever an investor purchases some units of an existing fund, he basically takes ownership (proportional) of entire existing assets based on price that is determined by the subjective valuation.
Since the Open Funds lack with objective market price, when it comes to real value of asset, investors are bound to rely on third parties for the valuation services (Jacob, 2013).
Open funds have pretty many high expenses as compared to other funds in form of money taken from your investment every year. The expenses can reduce the payout, which investor expects from their Open Funds (Aden, 2012).
For the big investors who are all about investing high amount and getting even higher returns, Professional Funds are the best investment funds to go with for them. Professional Funds are the go-to investing funds for the people who have high net worth often called as high net worth individuals. This type of investment funds is popular all around the globe.
Professional Funds as the name indicates, are for professional investors who take investing their money seriously. Professional funds are not for the investors who enter and exit market every now and then. Professional Funds are for the investors who have high net worth.
Professional Funds are managed by fund managers and offers relief, not only to the investors but also to the fund managers. Professional Funds are basically managed by a combined partnership of the fund managers and the investors. The investor invests their money to fund and the fund managers use this money to buy a variety of the financial instruments (Northcott, 2010).
Following are few things that every investor should know about the Professional Funds:
Since the Professional funds have further types including hedge fund which is why it is safe to say that this type of investment fund have good performance as compared to other types of funds. Moreover, since this type of investment fund is all about big investments, so the return is also very high.
As mentioned earlier that Professional Funds are for big investors who have huge net worth to spend, which is why, professional investment funds allows diversification to the investors. Investors have freedom to invest in more than one thing.
Talking about the letdown that comes with most of the types of investment fund is high fees. Same is the case with Professional Funds. Fees and charges of Professional Funds are on higher side, which reduces the Payout.
Another drawback of the Professional Funds is that it ties up the investors' money. If you have invested in Professional funds then it is not easy to withdraw the money whenever you want to exit the market.
A mix of Mutual Funds and Open Ended Funds, Money Market Funds is famous type of investment fund. Money Market Funds solely invest in cash or securities that are cash equivalent and will be matured within one year or even less.
Money Market Funds is a type of investment funds, which has the objective to maintain the NAV (Net Asset Value) while earning interest for the Shareholders. In simple word, the investor at the end of the day will get the amount he invested along with earned interest. Money Market Funds can be bought easily through Mutual Funds, Banks and Brokerage.
Money Market Funds are the best option for the investors who are looking for some short term investments. The main purpose of the Money Market Funds is to offer investors a safe place where they can invest their money in cash equivalent assets with low risk rate. Money Market Funds is the key to earn interest without compromising on the NAV (Chandra, 2014).
Following are the list of things that every investor should know about the Money Market Funds:
There are a lot of investors who are out there looking to make some investments but are afraid to get stuck for a long period of time. For such people (looking for short term investments with high returns) Money Market Funds is the good investment option to go with. The cash equivalent certificates are usually matured within a year, which is why it is known as best short term investment.
Among all types of investment funds, Money Market Funds has the lowest risk factor. It also offers consistent yield which is important for the liquidity. Money Market Funds are proved to be the most stable ones in the market which gives good returns to its investors while keeping NAV intact (Kant, 2011).
Money Market Fund is an easy way to invest however when it comes to money market funds regulation; there is a limit when it comes to total number of transfer or withdrawals one can make. This is a major drawback, since if you need to make an emergency withdrawal and you have exceeded your limits then you are stuck with it. There isn't much that you can do with the limitations.
Money Market Funds do keep your NAV intact and brings in monthly interest. However, an important thing to remember is that the interest rates is never constant. The interest fluctuates every now and then which means you might get less return. Moreover, at times there are some unwanted fees that are attached to Money Market Funds.
Investors who prefer to invest their money, but are not buying a bond, this type of people should go for Bond Funds. Similar to different types of investment funds, Bond Funds are also managed by the fund manager which means that the investor gets to relax his nerve while investing their money.
Bond Funds is a funds vehicle which allows the investor to invest their money in a pool with other investors. Bond Funds do not mature on its own, like regular bonds. The fund managers have to add new bonds to the portfolio once the old bonds are sold. Bond Funds are more fragile than regular bonds which usually invest in a year or sometimes even less (Dielen, 2015).
Bond Funds are the perfect investing option for people who want to invest but not in regular bonds. People investing in Bond Funds can go for long-term or short-term investment as per their choice. Bond Funds allows people to invest in different types of stocks or securities along with other investors.
Following are few things that every investor should know about Bond Funds:
Diversity is the key to success when it comes to Investment Funds. Bond Funds offers the element of diversity to its investors. There are different types of Bond Funds available in the market which includes Government, Corporate, Inflation-Protected and Mortgage-Backed Bond Funds. The investor is free to choose the type of Bond Funds they want to go with.
While entering the stock market, every investor thinks about the safe exit as well. There are a lot of investment funds that do not allow the investor to quit whenever they want. However, Bond Funds standouts them all and are very easy to sell, which means that the investor can sell their shares and exit the market.
In most types of investment funds, the interest rate rises as the price of the share rise, however, not in Bond Funds. The interest rate has a reverse relationship with the price of the share which means when the price of the share increases, the interest rate goes down.
Although Bond Funds are easy to sell, there is a risk in it as well. When someone plans on selling his share, he will revive the current NAV of the share i.e. the total value of Funds Holding which is divided by Total Number of Fund Shares. If the current NAV is lower, then the day you bought it, you will be in loss.
A Stock Fund also known as Equity fund is type of investment fund that lets the investor to invest in the stocks. Stock Fund is similar to Bond Fund. People who want to invest but not directly by buying a stock from the stock market, prefers to go with Stock Funds. Stock Funds are also managed by the fund managers.
Stock Funds are directly related to each other. Investors who prefer to invest in stock but by investing in pool funds collected by other investors are inclined towards Stock Funds. Stock Funds are managed by fund managers, who invest the investors' money in the Stock Market (Kang, 2010)
Stock Fund is the perfect investment option for people who want to invest in long term benefits. Stock Fund offers long term growth rather than only focusing on the income. Fund manager finds the Stock that has most rapid growth in the market and then invests the pool of investments in that specific Stock (Kang, 2010).
Following are few things that every investor should know about Stock Funds.
Investing in Stock Fund is not only beneficial in long run but there are short terms benefits as well. The profit of Stock Fund not only increases every year, but it also increases the cash dividend which makes it one of the best type of investment funds to invest in (Jay D. H., 2013).
Investment diversification is also a key factor of Stock Fund. Diversification allows the investor to invest in more than one thing, which means he will get benefits from more than one thing. Stock Fund completely fits this requirement of the investors all over the world.
Talking about the letdown of the Stock Fund, one cannot ignore price fluctuation. There are different types of Stocks in the market and unfortunately all of them lack in stable price. There are different market factors which leads the Stock Fund price to fluctuate every now and then.
A common drawback which is almost part of every investment fund is tax and fees. Since Stock Fund is managed by fund managers, thus you have to pay heavy fees. Moreover there are other fees that every investor of pool funds has to pay every year which reduces the yearly profit.
Alternative Investment Fund is different type of investment fund. It is not one of the conventional type of funds, such as Bonds, Cash and Stocks. Basically an Alternative Investment Fund can invest in everything, in fact many Alternative Investment Funds invest in (or with) automated trading strategies and in derivatives investment vehicles.
Some Alternative Investment Funds even have banks issuing special derivatives for their investment. There are different limited AIFMD (Alternative Investment Fund Managers Directive 2011/61/EU) regulations of investments due to the complex nature of the Alternative Investment Funds which is why they are slightly more popular as compared to other type of investment funds.
The term "Alternative Investment Funds" due to its complex nature is defined as Investment Product. Alternative Investment Funds differs from other types of investment funds in terms of low correlation, use of huge variety of techniques and dynamic strategies of trading. The special features of Alternative Investment Funds makes it popular among different types of investors (Archerselevators, 2015).
Recently Alternative Investment Funds has captured the spot light in the world of asset management since the interest rate has increased the correlation between Bonds and Stocks.
The buzz around Alternative Investment Funds is increasing and asset management has offered dedicated information about Alternative Investment Funds (AIF) as the distinct class (Insight, 2014).
One of the most important thing about AIF is to channel the investment flow. Since AIF are managed by fund managers, which is why it is important for them to make sure that investment flows in different but huge range of opportunities.
To meet the needs of the client, it is important that fund managers of AIF must be ready to adopt flexible operating and business models (Mellon).
For over three decades the industry of Alternative Investment Funds has evolved and became a very important part of global economy and financial system. The growth of AIF industry determined to range of external factors with some regulatory changes, technological development and economic cycles.
When it comes to future of AIF, it is also affected by macro factors, monetary policy and ageing in some of the developed economies (Forum, 2015).
Forex managed Funds, for example, are under the category of AIF. As most Forex is not traded at regulated Exchanges, Forex Fond Manager can basically make every price for the customers or his Forex Fund.
The development of Forex Fund is totally in hands of (unregulated) Broker and (unregulated) Exchange, while every Dollar which the investor loses, the Broker and Exchange wins.
This is even written in terms of most Forex Managed Funds, if they are sold in a regulated country like USA. If an Investor invests in a Forex Fund in a non-regulated (or nearly non-regulated) country, the investor is totally in hand of the Forex Fund Operator.
For example, they bought some Stocks and they hedged (secured) the Stocks with options against losing in value; it is one of hedge fund strategies.
In the '80s, many Hedge Fund Managers were able to have magically outstanding results even when the market was down.
Other types of AIF are Commodity Funds, which invest in exchange-traded commodities like Softs (Wheat, Corn, Hog, Milk, and Cattle), Metals (Iron-Ore, Gold, Silver, and Copper), Energy (Crude-Oil, Heating-Oil, Gasoline, and Natural-Gas) or even exotic things like Volatility.
One of the lowest risk carrying type of investment funds is Exchange Traded Funds, commonly known as ETFs or ETF Funds. The popularity of the ETF Funds has increased to a huge amount in last decade and it still garbs the attention of the investors. There are lot of factors involved in the popularity of ETF Funds which includes their simplicity (Calicchio).
ETF (Exchange Traded Funds) is basically a security that tracks bonds, index, commodities or even a pool of assets. ETF Funds trades more like a common stock. The prices of ETF Funds do fluctuate the entire day i.e. the day it is bought or sold. It is known as attractive alternative, among the individual investors.
The reason people prefer to go with ETF Funds is that, in comparison to the index or mutual funds, ETF Funds are fairly less expensive. Moreover, there is no need to frequently manage the ETF Funds like other regular funds which is why the investor usually ends up paying less amount of fees to manage ETF Funds (Whelton, 2013).
Following are few things that every investor should know about ETFs (Exchange Traded Funds):
The best thing about ETF Funds is that they are extremely transparent. Investors have an idea of what he should expect with ETF Funds. The fact that the price of ETF Funds will keep on fluctuating entire day remains true. The investors of ETF Funds do not get unpleasant surprises at the end of the day.
ETFs are usually available in almost all the sectors which includes the precious metals (metal ETF) Health-Care, Oil & Gas and so on. The easy availability of ETF Funds is one of the key factors behind its huge popularity.
There are some countries where the investors have a limitation of the large cap stocks due to the narrow stock in market index which means that only large stocks will be able to limit available exposure to small or mid-cap companies. This can result in making ETF Funds out of reach for some investors.
There are some ETF Funds which are double or sometimes of triple leverage, that can possibly result in losing double or even triple tracked index. If ETF Funds are helpful for more than one day, there are lot of chances that the investors have to bear double or triple loss.
The UCIT (Undertakings for Collective Investment in Transferable Securities) Funds, are the type of funds which are licensed for the Swiss as well as European Investors under harmonized regulatory regime.
UCIT Funds is basically a framework of European Commission which creates harmonized regime all around the Europe to manage and for the sale of the mutual funds. UCIT Funds are to be registered in the Europe. However, the investor can sell them worldwide by using the unified regulatory as well as investor protection requirement.
Following are few things that every investor should know about UCIT Funds:
UCIT Funds is a good investment option to go with for retail investors around the globe, since the standard of the disclosure remains intact and investment guidelines for funds also remain on a consistent level.
Even though UCIT Funds constrains the investor to a certain extent when it comes to make their own choice of investment to go with, however, the strategies that are able to fit with requirements are extremely transparent under the EU laws.
Investment today is one of the few ways that can help everyone to deal with the inflation. Inflation devalues your money every year. To completely outpace the inflation, one needs his money or savings to grow fast (Kane, 2014).
When it comes to objective of earning, the main focus is on improving the quality standards of your life. Investment is a decision that you make to put some part of your money or income aside, so that you can get something out of it in future (Dampier, 2015)
As investment is more about your future, no one wants to leave any stone unturned. People tend to go at length to secure their future and for which they need to make better decisions.
It is strongly advised to European investors to only invest in UCIT funds or funds which are "Tax Transparent" according to their countries legal and tax systems. Many European countries have punishment taxes for investments in non-tax transparent funds.
In addition to this, many non-European countries like US have a withholding tax for foreign investors under which they keep some percentage, for example 30%, of the dividends.
This withholding is only paid to investors who make a tax declaration in these countries, for example to receive the US withholding tax back (or at least a part of it) you would have to hire a US tax advisor and pay between 1000 to 2000US $ to get a part of the withholding tax back. In many cases it is not just about the 1000 USD but more about the work associated with it.
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ETFs are funds or collective investment schemes where many investors pool their money together and invest collectively into assets...Read more
If you believe the blogs about dividends, then dividends appear the easiest way to really get passive income. Financial freedom with dividends or similar slogans are repeated mantra-like..Read more
Banks and Big Financial Institutions are always in the financial markets to provide capital or to invest their own capital.. Read more
Investment Funds are pooled or cooperative investment vehicles where all the money from all the individual investors is put together under the name of the Funds.. Read more
Behavioral finance is a famous field of the finance that suggests the theories based on psychology (psychology finance or behavioral economics) in order to explain the concept of stock market anomalies.. Read more
There is nothing trivial when it comes to accumulating wealth and investing especially if the investors are confused between desired results and avoiding the risk factors. Read more


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African Research Trip 01(Cape Buffalo)
Cape Buffalo.
Just back from a two month research trip to Southern Africa (taking in parts of South Africa, Botswana Zimbabwe and Namibia). Saw many amazing animals in their natural environment and had the luxury of spending time to take in some of the smaller details (of
both looks and behaviour) that can be missed.
One animal that we came across fairly early on was the Cape buffalo. Despite their dangerous reputation we personally encountered no problems with any of the large groups that were encountered. And when I say large, I mean really large; on one occasion we estimated that there were around a thousand individuals.
One of the things that struck me most about them, was the enormous variation in their facial features and horn designs. As a possible subject for a future sculpture project, I took many photos and much video and was amazed at how different the faces and bodies were, not only between the sexes, but individuals as well.
Skulls of these animals that we came upon presented a similar variety of forms. One interesting aspect of the horn/skull combo, is that the horns fuse together on the top of the head and form a continuous, bony shield across the top of the skull (called the 'boss').
I'm trying to decide at the moment whether to carve the full head of a buffalo (life size) using a similar technique as my Rhino Bust also using the same birch plywood. Or whether to carve another skull sculpture from either the plywood medium or a large piece of Burr to add to my skull collection" (see "Turtle Skull" or "Harpy Eagle Skull".)


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Debt Management Plans
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A certified financial counselor can help you review your situation and determine if a DMP is right for you. Simply go to Get Out of Debt Now and choose one of the three options to get started.
Frequently Asked Questions
Will creditors continue with their finance charges?
How does using consumer credit counseling affect my credit report?
Will my employer or creditors know if I have an appointment with FISC?
What our clients are saying
It is fun to open the letter from you each month and see how much we have paid off using our debt management plan. Since we started one year ago, we have paid off over $11,000, paid off two credit cards and have several that are almost paid off. We would not have been able to do this without you!J.R.


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The date of the New Hampshire primary is still in limbo. Secretary of State, Bill Gardner, is still waiting for Michigan to resolve its legal disputes before he can set a date.
Two big heavyweights, Al Gore and Arnold Schwarzenegger, are scheduled to discuss energy policy and climate change in the Granite state this month. Details are still in the works, but here is a sneak preview.
Mitt Romney is the frontrunner in New Hampshire, with the latest CBS/New York Times poll showing a 18 point lead over John McCain and Rudy Giuliani. Perhaps this is why.
Former Sen. John Edwards is a different candidate from 2004. Check out the Boston Globe's examination of the former North Carolina Senator.
And President Bill Clinton is campaigning in the state Friday. He has events scheduled in Gorham, Whitefield and Manchester.
–CNN New Hampshire Producer Sareena Dalla


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I set the bar high with the honesty thing and I've been fretting ever since. Every post that popped up on my Facebook timeline this week, had me second guessing myself. An article titled 'What anxiety actually is, because it's more than just worrying', had me closer to pressing delete on last week's post than ever.
There are people who suffer much worse than I do. Maybe I'm being dramatic. I'm such an attention seeker. What if I am just stressed? What do I know? What was I thinking posting that?
Before I go on I just want to thank the people who reached out to me this week with words of encouragement. You restored my faith, made me feel incredibly loved and I cannot tell you how grateful I am.
So, here we are. The post is still there and I'm taking a deep breath, flopping with a cuppa on one of our blow up chairs and I'm writing another one. If I'm being honest, it's actually been a really good week. HOORAY.
Dave and I headed back to our parents' houses last weekend.
Sunday was my Granny and Dave's Dad's birthday.
First thing in the morning I joined my mum in the kitchen. I sat on one of our kitchen stools, drinking tea and chatting happily away to her while she fried bacon for sandwiches. I was so happy to be back, to have slept back in my old bed, to see mine and Dave's parents, to see the rest of my family, to have caught up with a couple of friends. I felt grounded again.
Mummy Maggs cooked a beautiful roast and we all had a slice of beautiful birthday cake and then my granny gave me a lot of invaluable advice on living on my own and cooking for two. (BIG TIP – Bulk buy meat, separate it into freezer bags and then freeze it in perfect portion sizes for defrosting and using whenever you like). She made me feel so much better about everything.
I stole as many hugs off everyone as possible and then later in the afternoon I headed over to Dave's to wish his dad a happy birthday and to join him and his parents in time for the EFL cup final.
Sunday night was when the nerves caught up with me again. It was time to face another week at our new flat.
Monday was actually a good day. Last week I'd let my perfectionism make me obsessive about cleaning. For the majority of this Monday, I banned myself from housework, I sat with my lazy clothes on, watching films and successfully chilling out.
Tuesday my dad came over. He was a star. He got straight to work on setting things up for us before I'd even put the kettle on. He did lots of technical stuff and all I know is now all the light bulbs in the flat work, I can have a shower without the water going cold, we have TV and internet, we're all set and I've started searching for and applying for jobs! My dad and I had a great day and playing the host made me feel more at home than ever.
Wednesday I made my first trip into town. I got horribly lost trying to find the car parks but managed to stay fairly calm despite the confusing one way system and all the buses I nearly collided with. Once in town, I was in my element. I bought a few bits and bobs we still needed, grabbed a costa coffee and then headed back home feeling accomplished.
Thursday one of my bestest friends came to see me. I spent the morning sorting and cleaning, had a proper breakfast and lunch for the first time all week and then embarked on a stressful journey to go collect her from the nearest tube station, in a place where it appears London drivers like to whizz round beeping their horns willy nilly. Once she was here, having her here made me so ridiculously happy. We made more travelling plans, booked our eurostar ticket and booked into our first hostel, watched gossip girl, caught up on life and then I cooked an AMAZING lasagna. The second drive back to the tube station was much less scary. It's amazing what a little familiarity can do.
Nearly there, I promise…
Friday I enjoyed my first ever proper relaxed lay-in in my new bed and I knew I was making progress, starting to feel properly settled. My auntie came over for the day. We caught up over a cuppa, a maintenance guy dropped by to take a look at one of the windows, we headed into town for lunch and all in all, had a wonderful day.
This weekend has been Dave and I's first proper weekend in the flat together. It's been fab. We ordered takeaway on Friday night. Last night we cooked steak and made sweet potato wedges and shared a bottle of red wine. We did a food shop. We made a want/need list of things we still want/need for the flat.
All in all, it's honestly good news. I am bounding forward into my new life and I don't currently want to run back in the other direction.
I've already rambled on too long, but before I finish up I just have to say that the also honest truth is that good week, or not, I battled with anxiety every day. But that's okay… For me, a big part of living with anxiety is accepting that it will be there with you every day for the rest of your life. That there will be times when it effects you more, or less, but it will always be present. I used to spend every day trying to overcome my anxiety all together and it always left me feeling disappointed and weak. What gives me hope right now, is that I'm here at the end of another week, smiling hugely, living on despite it, actually enjoying myself and feeling strong and proud for that reason.
What I'm saying is, if you fight a fight of your own every day of your life, be proud, stay strong and keep smiling. You're a hero and you're not alone.


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The Senate Committee on Finance on Thursday cautioned the Governor of the Central Bank of Nigeria, Mallam Sanusi Lamido Sanusi against usurping the functions of other governmental agencies.
The word of caution came during the hearing of the Senate Committee on Finance's investigation into the allegation that N 8 trillion that should have accrued to Nigeria is missing.
At the resumption of the hearing, the Minister of Finance, Ngozi Okonjo-Iweala disclosed that NNPC had supplied documents from the PPPRA (Petroleum Products Pricing Regulatory Agency) showing how the initial outstanding $10.8 billion was spent.
The Minister however told the committee that the Ministry of Finance had no capacity to validate the claims. As such, she said they need an independent forensic team to examine the documents.
On the $20 billion, which includes a sum of $6 billion which the Central Bank Governor, Lamido Sanusi, said should have gone to the federation, but the NNPC, through the NPDC allowed to go elsewhere, the Minister said it will require an independent legal opinion to determine who owns the money.
When the Chairman of the committee, Senator Ahmed Makarfi, asked the Finance Minister that "as the custodian of the federal government's money, if you feel unsatisfied with what NNPC puts forward, and you said will require a forensic team, what stops you from commissioning a forensic team to verify the documents?"
The minister replied that she did not say anything stopped her ministry from doing so. She said "this thing is a process."
When the Minister was asked why she felt there is a need for a forensic validation now if the same PPPRA is vested with the responsibility of signing off subsidy payments.
Her response was "these are extraordinary times, otherwise we would not be sitting here. These are not ordinary times."
The Senate Committee thereafter tasked the Ministry of Finance to commission a forensic team to examine the PPPRA and NNPC documents within one month in the first instance.
While speaking at the hearing, the Central Bank Governor, Sanusi Lamido said regardless the explanations offered by the Minister of Finance, as far as the CBN is concerned, there is an outstanding $20 billion between what NNPC shipped and what it paid to the government.
He insisted that the outstanding $6 billion given to the NPDC should have gone to the federal government. He also said the CBN has received three legal opinions on that position. The CBN Governor went to the extent of offering to bring in lawyers to defend his claim.
"PPPRA says subsidy on kerosene is legal and that certain amount was paid. PPPRA is the agency authorized to determine that. But I have a letter from the PPPRA in 2010 telling me that they do not pay kerosene subsidy. In the end, it is left for the committee to determine whether such letter was later withdrawn. It is left for the committee to decide", Sanusi Lamido said as he went on to read a letter on the stoppage of kerosene subsidy signed by a former Executive Secretary, Abiodun Ibikunle.
Reacting to Lamido Sanusi's comments on the decision of the PPRA to pay kerosene subsidy despite a purported presidential directive, Senator Makarfi observed that it would be wrong for the CBN Governor to delve into the responsibilities of other agencies. He therefore advised the CBN governor to limit himself to what he is legally empowered to do. He said it was for the PPRA to decide on the subsidy.
Petroleum Resources Minister, Diezani Alison-Madueke in her address said the NNPC stayed action on the presidential directive on kerosene to save Nigerinas the hardship of buying at exorbitant rates. She went on to say that if there must be a forensic auditing of the PPPRA documents, it should go all the way back to 2004 when the entire process started. She said there has been no problem since.
The Petroleum Minister refused to respond when she was asked whether the Federal Government would continue to pay subsidy on kerosene.
Another member of the committee, Senator Ibrahim Gumbe described the continued subsidy on kerosene as a clear illegality which he said someone must account for.
The Petroleum Minister, Diezani Alison-Diezani wasted no time in making the members of the committee realise that she cannot be held responsible for the kerosene subsidy as she was not in office at the time, but was only relating to the committee what happened. She however pointed out that despite the presidential directive; it was no law because the directive was not gazetted.
When the Group Managing Director of the NNPC, Andrew Yakubu was called upon, he said "the impression Nigerians have is that $10.8 billion seated in the four towers of the NNPC." He explained that the $10.8 billion has been spent on subsidy, pipeline maintenance and other losses.
"Nigerians believe NNPC is sitting on money. But I want it known that these monies we are taking about are not "realizable flows," Yakubu said.
An argument almost ensued as the Finance Minister, took exception to a comment by Senator Isa Galaudu who said the finance of "this country is messy."
In her response, Okonjo-Iweala claimed that Nigeria has one of the most transparent budgets in the world, which allows citizens to know how much is spent on "forks and spoons in state house".


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i5k Workspace login
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Thq Financials
Dead Island 2 is "still in the works" so "stay tuned," says THQ Nordic CEO
Dead Island 2 isn't dead.
Thq Financials headlines
THQ lowers Q3 expectations by 25% due to weak uDraw sales on 360 and PS3
THQ has updated its outlook for Q3 2012 ending December 31 by 25%, due to lower than expected sales of its uDraw tablet for PS3 and Xbox 360.
THQ Q2: Space Marine sells 1.2M units on all formats
THQ has released its Q2 report for fiscal 2012 ending September 30, and it finds the firm reporting net sales of $146 million, compared with $77.1 million in the prior-year period. Net losses hit $92.4 million compared with a net loss of $47 million year-over-year.
THQ Q1 - Net loss of $38.4M, Red Faction shelved
THQ has released its financials for Q1 of FY12, and it finds the firm with net sales of $195.2 million, compared with $149.4 million in the prior-year period, and a net loss of $38.4 million.
THQ to take a more "holistic approach" to its digital titles this year
THQ announced during its FY2010 investors call that it plans to migrate some of its key brands online, along with the realignment of two development studios, that will now focus soley on the creation of digital games.
THQ: Core games achieved average Metacritic scores of 82
THQ's revealed that during fiscal 2010, it's core games achieved average Metacritic score of 82.
THQ: Red Faction, Homefront still on target for FY11
THQ said that it's FY11 line-up still includes the new Red Faction and Homefront.
THQ fiscal 2010 year-end revenues up 8% YoY
THQ has reported a "successful turnaround" for its fiscal year, thanks to strong sales from UFC 2009: Undisputed and WWE SmackDown Vs. Raw 2010, both shipping 4 million units each.
THQ plans to return to profitability in 2010
THQ CEO Brian Farrell plans to return the company to profitability by 2010, he said today.Building on family game franchises, along with casual games with both premium and budget price points will save the day, said the exec.Farrell also expects the online gaming market to help solidify sales, and development costs will be further dropped.Proven […]
Thq Financials latest
Dead Island 2 is "still in the works" so "stay tuned," says THQ Nordic CEO
THQ lowers Q3 expectations by 25% due to weak uDraw sales on 360 and PS3
THQ to take a more "holistic approach" to its digital titles this year


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I felt like I'd been misplaced in the cosmos and I belonged in Maine.
Explore more quotes
Love is a passion for life shared with another person. You fall in love with a person who you think is wonderful. It's your deepest appreciation of the value of that individual, and that individual is a reflection of what you value most in life. Love, for sound reasons, can be one of life's greatest rewards.


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Simulators, Electroencephalographic
Definition : Simulators designed to mimic the waveforms of the electrical activity of the brain; they usually include an electronic analog circuit generator or digitally recorded signals in their memory. When activated these simulators produce typical electroencephalographic signals. They may also generate low- and high-frequency sine and multifrequency waves. Some simulators can also simulate evoked potential signals.
Entry Terms : "Electroencephalographic Simulators" , "Electroencephalogram Simulators" , "EEG Simulators" , "Evoked-Potential Simulators"
UMDC code : 18057


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This page features information about Laundry Testing Stage Blood Recipes. This is an ongoing project; we are creating further tests. Our ultimate goal is to publish a book on this topic. Your feedback is appreciated!
Download a PDF version of Out Damn Spot our USITT poster session power point here- this contains test images, recipes and some cost information.
Download the Blood At-A-Glance Laundry Chart documenting how well each blood recipe laundered from each test fabric.
Please leave a comment with your Stage Blood Experiences- the good, the bad and the ugly!


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Let the experience of Dr. Jongeward at ChiroCenter One Chiropractors of Grand Forks work for you.
Dr. Brian V. Jongeward and ChiroCenter One
Thank you for your interest to learn more about ChiroCenter One and Dr. Brian Jongeward. Born and raised in North Dakota, Dr. Jongeward attended UND in Grand Forks before attending Northwestern College of Chiropractic. After schooling and externship, Dr. Jongeward moved back to Grand Forks to establish his chiropractic practice, ChiroCenter One. Dr. Jongeward has been practicing chiropractic in the Grand Forks area for over 23 years.
Why Experience Matters
Chiropractors can help people with significant problems....many times helping where other treatments have been unsuccessful. Chiropractic can be a dramatic and powerful treatment option.
Even so, chiropractic evaluation is actually "low tech", meaning we rely mostly on a thorough history and particularly a hands-on evaluation to make a diagnosis, with occasional x-rays to aid in the process. There are no blood tests, scans, or other devices that show where joint misalignment's exist...it is up to the chiropractor and experience to "feel" these areas.
Treatment and adjustments to the spine and joints, as well, have been standard in chiropractic practice for many years.
Because of that, experience in the diagnostic and treatment skills of the chiropractor are key. There are not really any "new" adjustments or evaluative procedures that haven't been standard in the chiropractic profession for many years.
Dr. Jongeward has evaluated and treated thousands of patients over the years, and administered over 100,000 adjustments. There is absolutely no substitute for experience like that in chiropractic evaluation or treatment.
You will be treated at ChiroCenter One as I would like to be treated if I were the patient. If you have a problem that I can help you with, I will tell you what the problem is and how long I think it will take to correct. If you have a problem I don't think I can help you with, I will tell you so and then make a referral to the appropriate provider. That is my promise to you."
~ Dr. Brian V. Jongeward
Published Author
Dr. Jongeward has also been published in the professions leading research journal, the Journal of Manipulative and Physiological Therapeutics (JMPT).
LINK: Manipulative Therapy in Lower Back Pain with Leg Pain and Neurologic Deficit.


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Erin Tracy
Master's student
Email: firstname.lastname@example.com
Link to CV: Erin Resume
August, 2016 – Present: Michigan State University, East Lansing, MI Masters Student in the Aquatic Landscape Ecology Lab
Since graduating Guilford College with a B.S. in Biology and Environmental Science I pursued my passion for environmental field work across the country. Some of my work experience includes monitoring endangered Sage Grouse habitat for the BLM in Nevada and monitoring and restoring endangered fish populations and riparian habitat for the Marin Water District in California and the U.S. Fish and Wildlife Service in Utah. I worked with Dr. Dana Infante and developing my research interests in fisheries and watershed management.


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You are currently browsing the tag archive for the 'letterpress' tag.
i am a blogging slacker. a quick list:
- i just put up some new stuff over at the etsy site. wonderful cards. you totally know you want them…
- i'm spending 10 weeks this summer in alaska. eeks!
- spring break! home in brooklyn!
- taking a letterpress class. it is so. much. fun. hopefully i can rent out a press to use once the classes are over to continue making prints. i'm in love. (don't tell anyone, but i think i might want to go back to school for printmaking…yikes…)


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from The American Heritage® Dictionary of the English Language, 5th Edition.
- noun A wide, low-pitched gable surmounting the façade of a building in the Grecian style.
- noun A triangular element, similar to or derivative of a Grecian pediment, used widely in architecture and decoration.
- noun Geology A broad, gently sloping rock surface at the base of a steeper slope, often covered with alluvium, formed primarily by erosion.
from The Century Dictionary.
- noun In architecture, a low triangular part resembling a gable, crowning the fronts of buildings in the Greek styles, especially over porticos.
- noun Hence In decorative art, any member of similar outline, forming a triangular or segmental ornament rising above a horizontal band, as in ironwork; such a member above the opening of a screen or the like: it may be entirely open and consist of light scrollwork only.
from the GNU version of the Collaborative International Dictionary of English.
- noun (Arch.) Originally, in classical architecture, the triangular space forming the gable of a simple roof; hence, a similar form used as a decoration over porticoes, doors, windows, etc.; also, a rounded or broken frontal having a similar position and use. See
from Wiktionary, Creative Commons Attribution/Share-Alike License.
- noun architecture A classical
architectural elementconsisting of a triangularsection or gablefound above the horizontal superstructure( entablature) which lies immediately upon the columns; fronton
from WordNet 3.0 Copyright 2006 by Princeton University. All rights reserved.
- noun a triangular gable between a horizontal entablature and a sloping roof
from The American Heritage® Dictionary of the English Language, 4th Edition
Supporting the pediment were a pair of beautiful, naked women—caryatids, she remembered from college art class—who, like Joss, accepted their fate with unblinking stoicism.
Above the pediment is a canopy with the Virgin and
Bell's Cathedrals: The Cathedral Church of Saint Paul An Account of the Old and New Buildings with a Short Historical Sketch
The beauty of the marble from which stones and columns were cut might have seemed enough, but the builders carved groups of figures in the three-cornered space (called the pediment) in front between the roof and the stones resting upon the columns.
It is crowned with a pediment, which is too large for its span.
For them the misty goal is not even in sight; the vale is bounded by huge pine-clad precipices, wreathed with snow and crowned with cloud; but to Meyrick it does appear quite definitely what we are, and as for the end, well, the avenue of the world seems to lead up to a neat classical building with pillars and a pediment, that is called the temple of reason and common-sense.
In the pediment is the usual representation of the
Seeing Europe with Famous Authors, Volume 3 France and the Netherlands, Part 1
In the angle of the pediment is the figure of an angel greeting the new-born spirit, and raising his hand, points to the place prepared for him in heaven.
Paris: With Pen and Pencil Its People and Literature, Its Life and Business
Corinthian columns, surmounted by a half-circular pediment, which is richly ornamented.
Paris: With Pen and Pencil Its People and Literature, Its Life and Business
Capitol a group apparently prepared for a pediment, which is by no means mean.
It is crowned with a pediment, which is too high for its span.


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April 6
San Diego Horticultural Society Spring Garden Tour
This self-guided tour covers seven gardens in the Poway region, from a native-plant paradise to a succulent sanctuary and more.
9 a.m. to 4 p.m
Non-members $25
April 6-7
Theodore Payne Foundation for Wildflowers
and Native Plants Native Plant Tour
More than 40 landscapes are featured on this two-day self-guided tour of native and low-water gardens across the Los Angeles region.
10 a.m. to 5 p.m.
Non-members $15
April 20-21
Green Scene Plant and Garden Show
More than 80 exhibitors and plant vendors, artists and growers show their wares at this outdoor garden show at Fullerton Arboretum. There will be a food court, beer garden and speakers, such as Jonathan Dye from Williams-Sonoma, Julie Bawden Davis talking about strawberries and Bill Walter discussing bees.
10 a.m. to 4 p.m. both days
$8 all ages – Arboretum members $6
April 23–May 19
Philharmonic House of Design
View this stunning 7,000-square-foot house on 2 acres in Coto de Caza's equestrian estates. The home features five bedrooms, five fireplaces, Mediterranean landscape and a pastoral setting. Each room is designed by a local interior designer.
Hours vary
No children under 12
April 25–28
Southern California Spring Garden Show
South Coast Plaza Crate and Barrel/Macy's Home Wing hosts its 24th annual spring garden show with three levels of plant vendors, garden craftsmen and display gardens, and four days of notable garden speakers.
Mall hours
April 27–28
Floral Park Home and Garden Tour
See some of the top architectural homes in Orange County on the 21st annual home and garden tour in historic Floral Park. Included are a classic-car display, an antique and collectables market, food vendors, and homes and gardens galore.
10 a.m. to 4 p.m. both days
Presale $25, $30 at the corner of Flower and 19th streets.
April 28
Villa Park Home Tour
A self-guided tour of four homes and gardens in Villa Park. A unique boutique will feature upscale home and garden decor and art, and is open to the public from 11 a.m. to 5 p.m. in the Villa Park Towne Centre.
Tour: Noon to 5 p.m.
$40 in advance, $45 day of event.
Tickets sold at The Flowery, The Green Pear or Villa Park Pharmacy in Villa Park; or call Sandy Poiser at 714-771-2518, vpwl.org
April 28
Beautiful Garden Tour
A self-guided tour of eight gardens begins at the Fullerton College Horticulture Center on Berkeley Avenue near Lemon Street. Check out the plant sale, then head out to view gardens around Fullerton.
11 a.m. to 4 p.m.
$10 per map on tour day at the college
May 3
Gate and Garden Tour
Laguna Beach
A walking tour on streets south of downtown Laguna Beach allows you to stroll through eight private gardens in a historic neighborhood. See several large gardens displaying vegetables that are edible as well as ornamental, a fairy garden, many succulent specimens and smart uses of tiny spaces.
The Garden Club says the private hillside garden of Landscape Designer Ruben Flores, owner of Laguna Nursery, will be featured on this year's tour.
11 a.m. to 4 p.m.
$45 pre-purchase, $50 on the day of the tour.
May 4
Venice Garden
and Home Tour
Peek into 30 homes and gardens in the Venice Beach community. See artist studios, movie-industry homes, and homes of architects and designers.
10 a.m. to 5 p.m.
$60 in advance, $70 at the door
May 4
Tustin Area Historical
Society Annual Promenade Home & Garden Tour
A self-guided tour of Old Town homes and gardens includes an option to ride a horse-drawn trolley. Family-friendly activities include maypole dance demonstrations, a tree walk, vintage-car displays, music and lots of collectibles vendors.
9 a.m. to 4 p.m.
$20 pre-sale, $25 day of event
May 4
California Native Plant Garden Tour
A self-guided tour of Orange County gardens featuring California native plants. Sponsored by the Orange County chapter of the California Native Plant Society. Meet designers who specialize in using native plants in gardens.
10 a.m. to 4 p.m.
Register at occnps.org to receive free location list. Or send a self-addressed, stamped envelope to OCCNPS, P.O. Box 54891, Irvine, CA 92619-4891.
May 5
San Clemente, Capistrano Bay Home Tour
Take a look at some of the unique architecture and design in South County areas in this annual home tour sponsored by the American Association of University Women.
Noon to 4 p.m.
May 11
Elegant & Enchanting
Rose Garden Tour
Tour five exceptional gardens in South Orange County. The pre-Mother's Day event makes an enjoyable afternoon hosted by the Rose Society of Saddleback Mountain.
10 a.m. to 4 p.m.
$25 before May 10. $30 each on the day of at 25284 Ericson Way, Laguna Hills.
May 11
Sherman Library &
Gardens garden tour
View six private gardens located in the Corona del Mar/Newport Beach area. These private gardens offer ideas that can be used by home owners. Each has a different theme. Artists and musicians will provide entertainment, and there will be light refreshments at Sherman Gardens.
11 a.m. to 4 p.m.
949-673-2261; slgardens.org
May 16
Newport Harbor Home
and Garden Tour
View six homes and gardens on this 16th annual home tour sponsored by the Newport Harbor Education Foundation. The day begins with a morning reception, there will be an outdoor lunch and wine at the end of the day, plus a book signing with Barclay Butera.
9 a.m. to 3 p.m.
May 18
La Jolla Secret Garden Tour
Take a self-guided stroll behind the gates of some of La Jolla's secluded gardens. The event includes local musicians, tabletop displays and gardens from estate size to charming.
10 a.m. to 4 p.m.
Non-members $40
May 18
Open Garden Day
in West Floral Park
Eight gardens will be open for visitors to tour. There also will be garden experts discussing roses, succulents and Monarch butterflies, plus a kids' gardening center, a bazaar featuring artisan items, food trucks and a vintage-car collection. Children are welcome.
10 a.m. to 4 p.m.
$15, children 12 and under admitted free with an adult.
Order online at westfloralpark.com or pay the day of the event at 902 W. Riviera Drive, Santa Ana.
May 19
Art in the Garden Tour
The Arts Colony of La Mirada presents the Art in the Garden tour of area gardens.
1-4 p.m.
$10 the day of at Bolsa University campus. Enter from University Drive off La Mirada Blvd. 562-941-4116 or acolm.com.
May 19
Rossmoor Woman's Club 10th Annual Garden Tour
Enjoy a self-guided tour of seven private gardens. There also will be an outdoor store with gourmet food, jewelry, purses, and yard and garden art.
10 a.m. to 4 p.m.
club.org or day of at 11371 Drysdale Lane, Rossmoor.
June 1
San Clemente Garden Club Garden Tour
Explore specially selected coastal gardens. A variety of garden styles, horticulture and hardscapes await.
10 a.m. to 4 p.m.
$25 in advance, $30 day of the event
NOTE: No tours this year:
Mary Lou Heard Memorial Tour
Tustin Garden Club Tour
Contact the writer: firstname.lastname@example.com


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I am sure that many of you who follow cancer blogs, most definitely have been a regular visitor to Daria's site Living With Cancer - here is the link http://daria-livingwithcancer.blogspot.com/
She was such an inspiration to me as well as I'm certain to each of you. She shared her journey with breast cancer through her good times and through her difficult days.
Sadly she has passed, but her legacy will live in the hearts of her thousands of followers since her blogging began several years ago. It is amazing how this one person has touched the lives of so many!
She is now at rest!
To live in the hearts of those we leave behind, is to never die


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Supporters Overview
Thank you for playing an important role in promoting the appreciation and awareness of Portsmouth's arts and culture by supporting Art-Speak's mission.
You are a vital part of keeping the arts strong in Portsmouth.
Your awareness and engagement are the most important ways that you can help Art Speak. By keeping arts and culture top of mind with your friends, family and colleagues we can ensure that this important cultural engine of education, economics, and change continues to run.
Sponsor Levels
Donation has it privileges See what benefits come from donating to this worthwhile cause.Learn More


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You are currently browsing the tag archive for the 'web2.0' tag.
The fourth year of the Oregon immersive Education (OiED) gathering was held in Portland, co-sponsored by U Oregon, ARVEL, and TAC.
The program was stimulating, the speakers vibrant, and the collegiality warm and productive as ever. If you have any interest in emerging technologies for education – including immersive environments, augmented reality, virtual ethnography, and much more – consider ELC the place for you. Please join us.
The Bernard Harris Summer Camp is a science learning program for K-12 learners. Dr. Bernard Harris is a physician, NASA Medical Director, and astronaut who promotes and participates in the program which is underwritten by ExxonMobile. Oregon State University has hosted the summer camp since 2007. Technology Across the Curriculum (TAC) supported, in collaboration with Chester Bateman, the camp by developing a blog model to support the camp educators, learners, and their families. TAC's project was art of the OSUWrite project that sought uses of Web2.0 functionality in higher education and was funded by a grant from NWACC. The five year effort covering various experiements and pilots with early blogs is detailed in the OSUWrite Final Report.
Here is a section of a videoblog (vlog) from the 2009 OSU Bernard Harris Summer Camp.


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Results tagged ' Houston Street '
The Angels Are Caught in a Playground of Nightmares
There are numerous clichés that one can use to refer to this baseball season for the Angels; a recurring one for the Halos is, "baseball is a marathon, not a sprint." Unfortunately this is nothing new for the Angels. They have started off slow in previous years. The Halos as of yesterday, are in third place in the American League West. However, this time around the Angels find themselves temporarily trapped in the playground of nightmares.
The Seesaw
This first piece of spine tingling playground equipment is the seesaw, the Angels swept the defending World Series Champions Kansas City Royals; in a previous home stand, the Angels were swept one entire home series, by losing six straight against the Tampa Bay Rays and St. Louis Cardinals. In only to rebound after falling victim to the home sweep, they swept the then first place Seattle Mariners in Seattle. The Angels continued their way up by defeating the Los Angeles Dodgers 7-6 yesterday in the first game of the home at home Freeway Series. Hopefully the seesaw will stop soon, however, only time will tell.
The Injury Carousel
This second skin curdling piece of equipment is the worst of the two. The Angels as of this morning have seven players on the disabled list, with outfielder Daniel Nava expected to be the eighth player to join the list very soon. Three of the seven are part of the starting rotation and all three are on the 60 day disabled list. The Angels' closer, Houston Street is also part of this list. The Halos are definitely riding the carousel of tears.
Hopefully the Angels will find the way out of this playground of nightmares very soon. There is a rampant rumor that they are close to contractually soliciting the assistance of The Freak to assist them out of the playground. If they Halos do end up coming to terms with the former San Francisco Giants pitcher, Tim Lincecum, I will have a forthcoming reaction to this occurrence.
Songs of the Baseball Season
Baseball is full of tradition, from singing "Take Me Out to the Ballgame" during the seventh inning stretch to the Phillie Phanatic, and everything in between. New traditions are established: such as the Presidents' race in Washington D. C. leaving the Nationals' fans asking themselves, "when is Teddy Roosevelt going to win a race?"
Other teams such as the Angels are trying to build questionable traditions such as singing "Build me up Buttercup" by the Foundations during the seventh inning stretch, similar to the way the Boston Red Sox use to sing "Tessie" and now sing "Sweet Caroline".
I have several quarrels with "Build Me up Buttercup", first and foremost, the song is one of disillusionment, the singer is complaining about being let down by the girl that he is interested in. Although this is a catchy tune, I don't believe this song is appropriate to fire up a crowd as big as 45,000 people. The Los Angeles Dodgers use "Don't Stop Believing" by Journey which seems appropriate for the moment.
However, "Build Me up Buttercup" is appropriate for how the Angels preformed this season. After a disastrous month of August, the Halos came roaring back in September, at one point they were victorious in seven games in a row. They ultimately fell short and were knocked out of postseason contention by the Texas Rangers, losing the game 9-2.
For many people the Angels' season ended yesterday October 4. For me, the season ended in the top of the seventh inning in the game versus the Oakland Athletics on Wednesday, September 30th. Mike Scioscia made a questionable move, replacing second baseman Johnny Giavotella who was a principal reason why the Angels had a 5-3 lead at the time, mainly because of the home run; in favor of Taylor Featherston who committed a costly error by mishandling and dropping the ball; a play that would've been routine for Johnny G. Featherston's error allowed the Oakland Athletics to extend the inning, and in the end win the game 8-7.
Mike Scioscia has made many questionable decisions this season; he underutilized David Murphy in the Texas Rangers series, his reason for doing so? Matchups, according to Scioscia Murphy did not provide the appropriate matchup for left-handed pitching; however Murphy had an extraordinary average against such pitching. As a former Ranger, David Murphy is familiar with that ballpark, if Murphy was in the lineup, perhaps this entry would be discussing the upcoming Wild-Card game or reflecting on back to back American League West division titles.
The seven-game win streak built a fan base up, and bad managerial decisions by Mike Scioscia let us down. This begs the question: "why do you build us up Buttercup, just to let us down?"
One thing is clear however, Mike Scioscia needs to refine his decision-making skills because he is the primary reason why the Halos lost September 30th, and by extension he is a primary reason why the Angels are not making a postseason run this year. Yes, the injury to Houston Street was a big as far as the closers role. However, the effect is minimal compared to bad managerial decisions which Mike Scioscia is clearly guilty of.
It was not all doom and gloom however, for the first time in Angels' history two players hit for at least 40 home runs; Mike Trout and Albert Pujols. I'm sure that both players would be more than willing to trade in those accomplishments in exchange for a World Series ring.
The off-season has officially begun, the Angels have officially hired a new General Manager Billy Eppler the Assistant General Manager from the New York Yankees. I will expand on his hiring as well as reflect on all season activities and personnel changes in future entries.
Which team will I be supporting on the road to the World Series now that the Angels are out? This is probably the easiest answer of all, I wholeheartedly will be supporting the Chicago Cubs, not only would it be wonderful to see their over 100 year drought end, but I would also be supporting a connection to the Angels in Cubs Manager Joe Maddon, who is a former member of the Angels' coaching staff.
The post season is upon us, as for the Angels' fan base, we will have to wait yet another year to put on our postseason Halo.
Without a Doubt the Best Player of This Generation is Trout
Jackie Robinson, Mickey Mantle, Babe Ruth, and now one can add Mike Trout to this impressive list. All the players listed above were game changers not only for the respective teams but for baseball as a whole. Mike Trout's resume includes: The American League Rookie of the Year, two-time American League Most Valuable Player runner-up, and three-time American League All-Star in only his third year in baseball. His newest accomplishment is most valuable player of the All-Star game. Quite an impressive career thus far for a player who is only 22 years old; given all his accolades, it is equally as impressive that his ego hasn't stockpiled concurrently with his accomplishments. Trout's attitude is refreshing.
I know I am a little late on posting my reaction regarding the All-Star break, especially given the fact that an Angels' player was involved so heavily in the festivities. However, I wanted to wait until the much rumored pending transaction would materialize; it did, Houston Street is now part of the Halos' bullpen. The acquisition of Street solidifies the bullpen, the team's glaring weakness and biggest question mark in recent years.
Ladies and gentlemen, get ready for a dog fight for the right to claim the American League West championship. This is reminiscent of the battles the Angels and A's have had in years past. These teams are not only competing in the division, but they are competing with transactions; matching each other punch for punch akin to a boxing match that neither competitor wants to lose.
Both teams are building team chemistry quite successfully. It's no coincidence that these two teams have the two best records in baseball. I truly believe the Angels have the edge however, they lead all of baseball in runs scored, they strengthened a weakness called the bullpen, with the acquisition of Houston Street. The Angels now have options whether it's Houston Street, Jason Grilli or Joe Smith they now have weapons in the bullpen. However there is one greatest advantage above all other advantages, his name is, Mike Trout.


text: differenceNovember 5, 2017No comments0 minute readMalhar Mali If you enjoy our articles, be a part of our growth and help us produce more writing for you: Total 0 Shares Share 0 Tweet 0 Pin it 0 Malhar Mali Malhar Mali is the founder of Areo. You May Also Like View Post Politics What Yoram Hazony Gets Wrong About Cancel Culture August 5, 2020Matt Johnson View Post Culture & Media "A People's History of the United States" by Howard Zinn August 5, 2020Christopher Ferguson View Post Politics We Can't Just Oppose Racism: We Must Transcend Race August 5, 2020Inaya Folarin Iman View Post Philosophy Politics The Woke Left's Self-Contradictory Ideas About Language August 4, 2020Kit Wilson View Post Culture & Media James Baldwin's Ambiguous Legacy August 3, 2020Samuel Kronen View Post Politics Is Biden's Climate Change Plan a Step in the Right Direction? August 3, 2020Sukhayl Niyazov View Post Culture & Media A Spectacular Theory of Today's Woke Advertising July 31, 2020Jack Stacey View Post Politics The Impact of COVID-19 on Racism: Results From a National US Study July 31, 2020David Frederick and Debbie Nguyen and Tiffany Chu Leave a Reply Cancel reply


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The Bollinger Bands indicator is a combination of two lines placed at an equal volatility dependent distance above and below a central moving average line. The Bollinger Bands were originally invented by John Bollinger who introduced this popular technical indicator to the financial markets in the 1980's. Since that time, the Bollinger Bands have taken their well deserved place among the most popular technical indicators used by forex traders.
Due to their considerable popularity among technical traders, Bollinger Bands are often incorporated into trade plans and are sometimes mentioned in forex technical analysis commentaries. Furthermore, most of the top forex brokers offer forex trading platforms and technical analysis software that will display the Bollinger Bands indicator for any chosen major currency pair.
The Bollinger Bands are usually depicted visually by plotting them over the price action on an exchange rate chart for a particular currency pair. As a result, the Bollinger Bands are generally shown on the same time scale and periodicity as the line, bar or candlestick chart to which the indicator corresponds and is superimposed upon.
Computing Bollinger Bands
The Bollinger Bands are calculated in a standardized way by the technical analysis systems provided by forex trading brokers. The central line is usually computed as a simple moving average of the price action taken over a selected number of periods.
The two lines plotted around the central moving average line are determined by adding a certain number of standard deviations of recent price movement to the indicator's central line to create the Upper Bollinger Band. Similarly, the same number of standard deviations is subtracted from the central moving average line to generate the Lower Bollinger Band.
This computation method makes the Bollinger Bands' values dependent on recently observed forex market price volatility. As a result, the bands tend to narrow when volatility has been low, while they usually widen when volatility has been high.
Most traders engaged in forex trading online using Bollinger Bands will use a central line parameter of 20 periods to compute the simple moving average, although other forms of moving average can also be used. Such traders will also typically use a band width of two standard deviations of the price movement observed over that same 20 day period to generate the Upper and Lower Bollinger Bands.
Sample Chart of Bollinger Bands
Diagram #1 above shows a daily price chart of EURUSD with a typical set of three (2,20) Bollinger Bands superimposed over the price action.
The Bollinger Bands are plotted as red lines placed two standard deviations above and below the central line that is computed as a simple, 20 period moving average.
Note from the chart how the Upper and Lower Bollinger Bands tend to contain the price action for EURUSD, with the central line providing support in an upwards trend and resistance in a down trend.
Applications of Bollinger Bands
The Bollinger Bands are one of the most helpful indicators used when forex trading online to help traders assess the risk involved in trading the market as determined by its recent price action. For example, riskier markets tend to have wider Bollinger Bands, while safer markets to trade tend to have narrower Bollinger Bands.
When Bollinger Bands are used as a forex trading signal generator, traders might watch for the market to cross over the central moving average line. Such a situation is known as a crossover and helps the technical analyst generate useful trading signals from Bollinger Bands.
Such traders might think that the Bollinger Bands generate buy signals when the market crosses above its central line. They could then place their take profit order in the region of the Upper Bollinger Band that might be considered an overbought region. Similarly, sell signals could be generated when the market crosses below the central line and take profit orders on stops could be located near the Lower Bollinger Band that can reflect oversold market conditions.
Nevertheless, others using swing trading strategies might use the market trading above the Upper Band as a signal to sell with a take profit at the indicator's central line. They would also tend to buy when the market trades below the Lower Bollinger Band, again with a take profit placed at the center line.
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HOUSTON, TX – 09 May, 2016 – Activists have planned demonstrations for Saturday, May 14, and Monday, May 16 in Houston to protest the white tiger exhibit at the Downtown Aquarium. Owned by Landry's, Inc., the aquarium has displayed the big cats since 2004 in a small, indoor enclosure.
Activists assert that the cats are sufferring from high amounts of stress and should be transferred to an accredited sanctuary. One of the event organizers, Cheryl Conley, was quoted as saying, "The four white tigers at the Aquarium deserve better treatment. Their entire lives are spent surrounded by concrete. They are never allowed to go outside and this is inhumane and cruel. We want these tigers to be sent to a sanctuary so they can bask in the sun, run, and breathe fresh air."
The protests are being coordinated by Free Houston Tigers, a group of local activists supported by Animal Defenders International, Big Cat Rescue, and Born Free USA. The coalition has gathered more than 84,000 petition signatures and organized two past protests. Details on the upcoming events can be found here.
Full News Story: http://pressreleasejet.com/news/protests-planned-at-downtown-aquarium-landrys-office.html
Distributed by Press Release Jet
Media Contact
Company Name: Free Houston Tigers
Contact Person: Lincoln Dow
Email: email@example.com
Country: United States
Website: www.freehoustontigers.com


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Newtown to hold DUI checkpoint Saturday
Newtown plans DUI stops for Saturday
NEWTOWN -- The Newtown Police Department will be conducting its third sobriety checkpoint of the summer Saturday.
All cars traveling in both directions through the checkpoint will be stopped and briefly questioned to find drivers who could potentially be under the influence of alcohol and/or drugs.
The department receives a grant that covers 75 percent of all operational expenses from the Federal Highway Safety Program.
Man charged with passing fake bill
NEWTOWN -- A 23-year-old Brookfield man was arrested after a fake $20 bill was given to a Citgo Gas attendant on Church Hill Road, police said.
Police responded to Citgo Gas to investigate the fake $20 on at 5:24 p.m. July 13 and subsequently arrested Jeffrey Ruopp, of Tower Road, at his house.
Ruopp was arrested and charged with first-degree forgery and sixth-degree larceny.
According to police, Ruopp created the fake $20 bill himself and used it at the Citgo. Police said it was believed that he had not used any other fake money at any other business.
Ruopp was released after posting $1,000 bond. He is scheduled to be arraigned Monday in Danbury Superior Court.
Man arrested on assault charges
NEWTOWN -- A 42-year-old man was arrested at his apartment on Sugar Street early Friday morning on charges stemming from an alleged assault.
After a brief investigation at his residence, Christopher Mahoney was taken into custody at 12:02 a.m. and charged third-degree assault, disorderly conduct and third-degree criminal mischief.
According to police, while at the police station, Mahoney was uncooperative and combative. He was then charged with three counts of assault on emergency personnel or peace officer, interfering with an officer, and threatening.
He was held on $50,000 bond and was scheduled to be arraigned Friday.
"Doughnuts" leads to arraignment
DANBURY -- A 20-year-old man will be arraigned Monday after he allegedly revved his car's engine and "did doughnuts" on Main Street early last Saturday.
According to police, Welder Silva was seen coming out of a driveway on Main Street, when he revved his car engine and proceeded to drive in circles on the roadway about 2:10 a.m.
He was administered sobriety tests, which police said he failed.
Silva, of Garfield Avenue, is charged with driving under the influence and being a minor, reckless driving and driving without a license.
He posted $1,000.
Drug bust results from suspicions
DANBURY -- A 36-year-old city man was arrested on drug charges after police became suspicious of his presence at a privately owned government housing project Thursday afternoon.
About 4:30 p.m. police noticed a vehicle parked near the Beaver Street housing project -- a government-subsidized housing facility with clearly posted "No Trespassing" signs.
According to police, the operator, Kenneth Tucker, became nervous upon questioning. He told officers he was there "talking to friends" and he allegedly tried to hide something.
Five clear plastic sandwich bags with white powder were found in the vehicle, according to police. The power later tested positive for cocaine, police said.
Tucker, of Harrison Street, is charged with possession of narcotics, possession with intent to sell within 1,500 feet of a housing project, possession with intent to sell under one ounce cocaine, and third-degree criminal trespassing.
He was released after posting $10,000 bond. His court date was not readily available.
New Fairfield man sees DUI charge
BROOKFIELD -- A 46-year-old New Fairfield man was charged with driving under the influence after he was allegedly seen committing motor-vehicle violations Friday.
At about 4:40 p.m. police got a call about a driver operating recklessly. Police said a responding officer found the vehicle stopped at a green light in the right-hand lane of Federal Road, at the intersection of Route 7 South.
"After sitting through an entire traffic light cycle, the accused began to travel northbound on Federal Road from a lane that was designated as a right turn lane only," a police press release said.
Fernando Corrales, of Pine Hill Road, New Fairfield, was determined to be the driver. He was given field sobriety tests, which he failed, police said.
Corrales posted $500 bond and is due in Danbury Superior Court on Aug. 7 at 10 a.m.