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How to Stop Low Interest Rates From Ruining Your Retirement
Low interest rates have made life a lot easier for many borrowers struggling to make monthly payments. But for retirees, who have to live off their portfolios, low rates have caused huge problems.
A May survey from Gallup and Wells Fargo (WFC) confirmed what many people already know all too well: Low interest rates are destroying people's confidence about ever being able to retire. Fully one-third of those surveyed said that they expect low rates will compel them to work longer and delay their retirement, while 45% of current workers say they think low rates will make it a lot more likely that they'll outlive their money after they retire.
In particular, the survey points to deteriorating confidence among retirees. Last year, retirees were much more optimistic about their futures. Yet with core inflation outpacing rates on bank certificates of deposit by more than a factor of three in many cases, those living on fixed incomes are feeling the pinch -- and will continue to do so as higher prices reduce the purchasing power of their nest eggs.
To fight low rates, some retirees have taken drastic measures to fill their income gaps. Almost 20% of retirees have moved their money into riskier investments they probably wouldn't have bought if rates weren't so low. For instance, some retirees have turned to dividend-paying stocks, many of which pay out more income than bank CDs and other income-generating investments.
No single investment, however, is a perfect solution for income shortfalls. The best answer for most retirees involves using a combination of investments to generate income. Dividend-paying stocks may play a role in your portfolio, but putting all your money into stocks involves far more risk than the vast majority of retirees can afford to take.
See Gallery
These low interest rates won't last forever. But while they do, make sure to do what you have to in order to ensure you have the income you need.
For more on making the most of your retirement:
- How People Just Like You Planned Their Way to a Rich Retirement
- The $7 Trillion Issue Presidential Candidates Are Avoiding
- What the Looming Retirement Bubble Means for You
Motley Fool contributor Dan Caplinger is trying to put low rates on his side. You can follow him on Twitter here. He doesn't own shares of the companies mentioned. The Motley Fool owns shares of Wells Fargo. Motley Fool newsletter services have recommended buying shares of Wells Fargo.


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Election Law
State and federal law governing the conduct of elections is complex and fraught with the potential for costly and very public mistakes. The need for answers often arises under circumstances requiring quick and decisive action. Brown, Goldstein & Levy is one of the few law firms in Maryland with practical experience in election law. Two of our attorneys have themselves been candidates for public office, and a third has been the treasurer for city, state, and federal campaigns. Our attorneys have represented candidates for public office by filing Election Day lawsuits to prevent "dirty tricks" and petitioning for recounts in close elections. Our firm brought a series of successful voting rights cases that resulted in African-Americans being elected in various jurisdictions on the Eastern Shore of Maryland for the first time in the nation's history. We have defended an individual charged with violations of campaign finance law and brought successful actions to require voting machines that voters with disabilities can use to cast an independent and secret ballot. We can also provide advice with respect to the detailed requirements associated with reporting campaign contributions.
- July 1, 2018, MarylandMatters.org (The premier site for news about Maryland government and politics.), "With Races on the Line, Number of Provisional Ballots Cast Jumps," Andy Levy is quoted.
- June 22, 2018, WBAL Radio's Brett Hollander Show, Carpenter v. United States, where the Supreme Court held that the government generally needs a warrant to obtain cell phone location data, Andy Levy was interviewed.
- June 18, 2018, Towson Times (Baltimore Sun), "Candidate's Relationship with Talk Radio Station Raises Questions about Campaign Finance," regarding Nino Mangione, a candidate for District 42B state delegate, using his family-owned media platform (talk radio station WCBM 680) to promote his own candidacy, Andy Levy was interviewed.
- August 9, 2017, Bethesda Beat, "Newly Announced Gubernatorial Candidate Voted in D.C. Multiple Times While Registered in Maryland," Andy Levy quoted.
- January 9, 2014, The Washington Post, "Brown Lawyers Say His Inclusion in a Fundraising Lawsuit was a 'Publicity Stunt,'" Andy Levy and Kevin Docherty represented Linda Lamone, State Administrator, Maryland State Board of Elections, in a lawsuit over guidance issued by the State Board of Elections regarding fundraising during Maryland's General Assembly session.
Andy Levy
Stu Simms
Jessie Weber

subset: commoncrawl


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Author and speaker, Brene Brown, is a world renown researcher on vulnerability and shame. She says many of us struggle with a the question, "Am I enough?" How about you?
Scripture says, "If God is for us, then who can be against us? Therefore, there is no condemnation for those who are in Christ Jesus." Thank you Lord! In this day and age with all the social media apps, reality TV shows and access to the internet, we are bombarded with the world telling us we are not enough. Author, Sharon Hodde Miller, states in a devotional, "The craving to be seen – to be valued, affirmed, to matter to people – is one I've wrestled with most of my life." She goes on to ask, "If God is the only one who sees me, is that enough?"
How about you? Do you realize that you are loved, cherished and valued by God, along with believe in your heart that He, and He alone, is enough? Here's to not letting the world tell us who or what we should be, but instead let's continue to help each other believe in who we are, which is a child of God, that is precious and wonderfully made and that is enough. HOOYAH!


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PLEASE READ: This is a Sales Tax Exempt Item that can be purchased ONLY if a tax exempt form is submitted. CreateASoft Reserves the right to charge additional sales tax according to Illinois/DuPage County sales tax if proper form is not submitted.
Simcad Pro : next generation dynamic simulator operates under an entirely different paradigm than traditional static tools. The graphical interface used to build models does not generate or compile code since it interfaces directly with the multi-core simulation engine. When the simulation starts, the animation instantly displays, both in 2D, the current state of the engine. As inefficiencies develop, real time modifications can be made to model properties and constraints. These "on-the-fly" changes allow users to instantly realize potential gains and perform dynamic optimization. As a result of the no-codemodeling, Simcad Pro's dynamic capability drastically reduces the time required to build, analyze, and optimize simulation models. Simulation modeling is no longer the forte of the elite few, but a tool used by a vast spectrum of users enabling industries to benefit from the power of dynamic simulation.
Contains all Simcad Pro® Lite capabilities plus the following


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Thanks to everyone who attended CONNECT and sharing a photo of the good times. Hats off to Jasmine and Vina for all their hard work to make it happen. Mark your calendars for these amazing free workshops and field trips in September and October. More details to follow. Hope to see you there!
Friday September 28: 4:00 V403A Tips and Techniques: Sean Bacon and Norman Ramos
Tuesday, October 9th from 5:30pm Paper 101: Matthew Donahue from SAPPI Fine Papers
Point Loma Nazarene College: Smee Hall
Point Loma Nazarene College: Smee Hall
Friday, October 26th Studio Tours: Conover and MiresBall: 12:15-1:45pm


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Just when it looked like Marc Webb couldn't possibly reveal any more spoilers about The Amazing Spider-Man 2, we ended up getting possibly the biggest spoiler of them all. In case you do not want to know what the possible spoiler is, then it is advised you do not continue reading on.
If any of you have read The Amazing Spider-Man Comics then the look worn by Emma Stone should look very familiar. If that was not a big enough clue to what the spoiler is, then perhaps the fact that Emma is standing on a bridge gives some clues as well?
Ever since the end of The Amazing Spider-Man, many fans have been wondering if Gwen Stacy would be meeting her tragic end. Gwen's death is a result during a confrontation between Spider-Man and The Green Goblin. In the comics, The Goblin throws Gwen Stacy off of the George Washington Bridge and Spider-Man catches her with his web. Unfortunately for Spider-Man, Gwen dies after his attempt to save her.
If Gwen does die in The Amazing Spider-Man 2, then this has been the biggest spoiler revealed thus far. Does this news also mean that Norman Osborn will become The Green Goblin as well? Or will Rhino and Electro simply finish the job for him? We will have to wait and see when The Amazing Spider-Man 2 releases on May 2 2014.
Be sure to check out the pictures below provided by moviepilot.com
(article originally published on Gotchamovies.com)


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Earn points toward FREE PIZZA with Piece of the Pie Rewards
More About Your Lakewood Ranch Domino's
Destination? Delicious Pizza Delivery in Lakewood Ranch
Domino's pizza delivery in Lakewood Ranch doesn't disappoint. When you order Domino's, you're not ordering a typical, boring pizza. You're ordering a pizza with a golden-brown crust baked just for you, a chef-inspired marinara sauce made from only the tastiest tomatoes, and a rich variety of toppings that are sure to please both pepperoni addicts and veggie lovers alike. Satisfy your hunger with Domino's pizza.
At Domino's in Lakewood Ranch, we make it quick and simple to get the fast, fresh pizza your hunger craves. Stop by the Domino's nearest you to place a carryout order, or order your pizza over the phone or online.
Start off by picking from our menu of crusts. Choose a fluffy, hand-tossed crust that's dusted with garlic seasonings and buttery flavor, a pan crust featuring two huge layers of cheese, a crispy thin crust, or a gluten-free pizza crust! Then, choose a sauce and pile on as many or as few toppings as you want. Whether you're a meat-lover or a veggie-lover, you can make your dreams come true at your local Domino's!
With more than 34 million different ways to handcraft a Domino's pizza, you can be sure we've got a slice for whatever your tastebuds are craving. Build your own pizza from scratch or choose from one of our specialty pizzas, like the popular Wisconsin 6 Cheese, Pacific Veggie, or ExtravaganZZa™, and have it delivered to your doorstep, super fast!
When Hunger Calls, Order Lakewood Ranch Pizza Delivery
Here at your Lakewood Ranch Domino's, we're serious about pizza delivery. In fact, we promise your pizza will arrive hot and fresh at your door, right out of our oven. Can't wait for your pie to arrive? Use our patented Pizza TrackerⓇ system and follow your pizza order as it's prepped, baked, and headed out the door for delivery... and try not to drool on your phone or computer in the meantime.
Want More? Get Wings, Sandwiches & Pizza Takeout in Lakewood Ranch
We deliver pizza pretty darn fast, but we're also rockstars when it comes to lightning fast pizza takeout in Lakewood Ranch. You can order from our pizza menu or step outside the pizza box and try something different (but equally delicious). Give your tastebuds exactly what they're looking for with one of our hand-tossed salads, oven-baked sandwiches, rich pastas, spicy chicken wing platters, and even dangerously decadent desserts. Add a cookie brownie, lava cake, or warm bunch of Cinna StixⓇ to your order and satisfy your sweet tooth.
With over 12,000 stores around the world, we know what it means to provide excellent customer service and the best quality food. Our mission is to be Florida's best pizza delivery company and everything from our sweet pizza deals and coupons to our friendly delivery drivers reflects this pledge. Order online, call your nearest Domino's restaurant in Lakewood Ranch, or use our free smartphone app for hot, fast, and delicious pizza carryout and delivery today! We're different than other pizza restaurants in Lakewood Ranch. We're your number one pizza place in Lakewood Ranch!
Domino's Has You Covered
Lakewood Ranch, FL Locations
Nearby Cities
- Braden River
- Bradenton
- College Plaza
- Crescent Beach
- Ellenton
- Forest Lakes
- Meadows Village
- Myakka City
- Palmetto
- Parrish
- Sarasota
- South Trail
- Westgate


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Travel agencies won't tell you about these 3 things
Booking your trip at travel sites online may seem like a quick way to set up your trip, but there are many things you should be aware of, including 3 things nobody ever told you before, especially if it's your first booking experience. For many destinations travel agency bookings appear to be the best initial route to take. Unfortunately, this is not always true.
First -- Their online prices might not be the lowest -- you can access information like they do and make a booking through them, but they get a commission off the top. They also may not have access to the lowest priced options. Some of the cheapest airlines and hotels do not work with third-party websites because they prefer to do the bookings themselves. You may be able to get special deals and discounts if you book direct.
Second -- They may promise you anything but not deliver. You may not get that great view you wanted if you book online. Cheaper rates mean cheaper rooms and views; you get what you pay for, as in all things. People who work directly with the hotels have a loyalty factor the hotels want to cultivate. You can negotiate a better room direct, especially if you are a return customer.
Third -- Freebies come with price; economy rooms just do not have freebies when booked through a third-party. Hotels offer specials for loyalty.
You are far more likely to get better bookings, better rooms, a better view and better freebies if you make your arrangements directly with the airlines and hotels you wish to stay at. Become your own travel agent. You can use travel sites online to explore various options for deals, but then take matters into your own hands. Travel agents and third-party booking websites are in business for themselves; they get commissions, freebies and perks when they help people book travel plans. You can cut costs by eliminating the middlemen; it's really not that hard.


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Gain insights from your existing data sources so you can better detect, disrupt and anticipate physical as well as cyber threats.
How it works
Using IBM's solutions and services for law enforcement enable you to:
- Consolidate data from many sources and aid collaboration to help generate tactical leads
- More easily generate photo lineups, save search history and organize investigations to generate reports more easily
- Customize the software to address users' specific needs for improved crime-solving capabilities
With our visual intelligence solutions you can:
- Optimize the value of massive amounts of information collected by government agencies and businesses
- Allow analysts to quickly collate, analyze and visualize data from disparate sources while reducing the time required to discover key information in complex data
- Deliver actionable intelligence to help identify, predict and disrupt criminal, terrorist and fraudulent activities
How you benefit
IBM law enforcement solutions enable you to build safer and more viable communities by reducing crime, predicting threats, improving response and resource allocation
Success story
Manchester Police Department drives 28% reduction in robbery rates
IBM® i2® Enterprise Insight Analysis
Learn how police services and first responders are using i2 to identify vulnerabilities and disrupt threats by turning data into intelligence and insight faster.
IBM® i2® Analyst's Notebook®
Get the most out of the new tools available to fight crime with an integrated, end-to-end technology strategy—one that delivers the capabilities they need to protect and serve the public in a cost-effective manner
Analytics solutions for law enforcement
IBM law enforcement technology to build safer and more economically viable communities by enabling you to predict, command, and respond to crimes.


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Product CAP
The Product CAP launch event was held on 3rd August in the HSY Store, Dolmen Mall, Karachi. The products created by the six designers were revealed for the first time to an audience of fashion enthusiasts and press. Product CAP is now officially available for sale!
Product CAP is a project initiated by the 'Friends of CAP' that aims to showcase the history and culture of Pakistan in a unique way. Designers will take part in this project and will be given access to material from the CAP archive. Their task is to create a limited edition line of merchandise taking inspiration from the archive materials. This project aims to support The Citizens Archive of Pakistan in its efforts to preserve Pakistani history and instil pride in Pakistani citizens about their heritage.


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Featured content
The Brand Experience Playbook For 2020
Create A Customer-Obsessed Brand Experience
In the age of the customer, CMOs have a steep hill to climb in building their brands with distracted, empowered customers. In this new era, CMOs must shift from a company-centric approach of...
Search Results
Report Research Overview: Digital Commerce Strategies For Brands
A Guide To How Branded Manufacturers Must Reevaluate Their Digital Commerce Strategy And OpportunitySeptember 11, 2019 | Michelle Beeson, Sucharita Kodali
Should all brands sell directly to customers online? How should brands work with marketplaces? What does this all mean for existing retail partner and distributor relationships? The sales...
Report Brands, Here's The Size Of Your Digital Commerce Prize
Assessing The Digital Commerce Opportunity For Branded ManufacturersNovember 16, 2018 | Michelle Beeson, Sucharita Kodali
Consumer-facing brands know that there is proverbial gold in generating direct sales through digital commerce, but the big question is the size of the prize. This report examines the factors that...
Content TypeApply
- Merchandising (1)
- Omnichannel Retail (1)
- Retail Technologies (1)
- Brand Experience (1)


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SICON MagSpin
Cleaner shredded Scrap with strongest permanent magnet roll
The preferred equipment for ferrous separation by shredder operators has conventionally been the electro magnets, generally operating them in an over-flow mode. Today, both practices are considered to be outdated with increasing problems of copper impurities within the ferrous shredded scrap. SICON has addressed the arising issue of gradual increase of copper in shredded scrap early on; identifying the design flow in magnet drums as the underlying cause for the problem we have adopted our equipment to perform the task more efficiently. Our efforts led to the development of the MagSpin as the solution to tackle the task adhering to risen quality standard nowadays.
Working width: 60″ – 90″
Diameter: 50″ – 63″
We are here to upgrade your process to the latest state-of-the art technology increasing your profits on non-ferrous metal recovery as well as improve the quality of your shredded scrap. Benefits will grow you bottom line month for month.
Your benefits at a glance
• Alternating polarity causes ferrous material to flip around and achieve better cleaning results
• Steady and constant magnetic force across entire working width
• Side panels used as guide plates improve control over material flow
• Individually replaceable, bolted wear plates
• Separation in under-flow operation mode
• Highest production quality of built in parts and machinery finishing


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Cotton Chambray Button-Down Shirt
$225 $450
A crisp chambray sportshirt, crafted from soft cotton and finished with classic embellishments. .Button-down point collar. Long sleeves. Buttoned barrel cuffs. Front button closure. Chest patch pocket. Shirttail hem. Cotton. Machine wash. Made in Italy.
Browse all deals at Saks Fifth Avenue
See more in Clothing
* This offer may contain time-sensitive information and offers. Please check with Saks Fifth Avenue to confirm actual price & availability.
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As the anniversary of the Apollo 11 moon landing approached last week, I found myself wondering whether we, as a nation, are losing one of our greatest strengths: the ability to be aspirational. To believe not only in our own ability to achieve ambitious goals, but also in our country's ability to do so.
Regardless of where you stand on the political spectrum, it should be obvious that we are living in a world dominated by fear.
Franklin D. Roosevelt would understand. He would also tell us to get over it.
When he famously intoned, "The only thing we have to fear is fear itself," he was imploring Americans not to continue letting their fears make things worse. That's especially appropriate again today, when we are on the cusp of artificial intelligence breakthroughs that will dwarf the technological leap that took Neil Armstrong and Buzz Aldrin to the moon in 1969.
I understand the fears that artificial intelligence generates and the growing lack of trust in Big Tech. But this is no time to slam the brakes on the next Big Thing in technology. That would only enable one of our global competitors to dictate the future.
Rep. Ro Khanna, D-Santa Clara, believes the failure to offer a vision of how America can win is the biggest missing element in today's presidential election.
"I believe we are at the epicenter of a technology revolution that will profoundly change the world," Khanna said Thursday.
"It's incumbent on us to have a vision of what this new technological age will look like. We have to start looking beyond the bottom line of profits and determine what it will take for us to win the 21st century, what it will take to provide the jobs we need for the 21st century, and what it will take for America to have a framework for protecting our values for the 21st century. These are the three big issues that need to be addressed that are not being addressed."
If you think smartphones and social media changed the world, hold onto your hat. Artificial intelligence will create a technological revolution that, when coupled with globalism, will transform every aspect of society and the economy. Within the next decade we will begin to see see major shifts in the fields of medicine, education, manufacturing and transportation. In terms of scale, think of how the industrial revolution transformed the agrarian age. Then double the impact.
"It's imperative that our political and tech leaders recognize the challenge and set a framework for how we are going to deal with the resulting issues," said Khanna. "We have to make sure that Americans' liberty and privacy are protected."
That requires that our political and tech leaders learn the lessons of the current social media privacy disaster. Shockingly, 15 years after Facebook was launched, the United States remains the only major developed nation without fundamental online user safeguards.
Fortunately, here in the Bay Area, the Stanford Institute for Human Centered Artificial Intelligence is already at work, bringing together leading thinkers across multiple fields with the intent of assuring artificial intelligence "serves the collective needs of humanity."
The institute's co-director, Fei-Fei Li, understands what's at stake. In a "Behind the Tech" podcast earlier this month, she said "Whenever humanity creates a technology as powerful and potentially as useful as AI, we owe it to ourselves and to future generations to make it right."
Li and Khanna know there's much work to be done.
"We're not doing nearly enough to invest in the future," said Khanna. "Our federal investment in science and technology is way down from the post-Sputnik era."
It's not just a financial investment, it's a workforce investment. "We're hopeless on immigration policy. Even Republicans will tell you that immigration is essential for economic growth. And we need to attract the best scientists and engineers from around the world if we are to create the jobs of tomorrow. If we maintain our technology edge we can write the rules for how the world will work. But if we allow China to gain the edge, we may lose the values we cherish."
Maintaining America's technological edge requires an optimistic, positive vision of a future that's linked to a concrete plan for what it will take for America to succeed. It also requires a deep thinker who has the trust of the American people.
None of the current Democratic candidates for president nor the current occupier of the White House demonstrate those qualities.
But one could emerge. After all, we've made the transition before.
Shortly after President John Kennedy announced his moon challenge, his predecessor, Dwight Eisenhower, said, "Anybody who would spend $40 billion in a race to the moon for national prestige is nuts."


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A couple weeks ago, I called my health insurance company because I finally got the EOB (explanation of benefits) for the genetic test I had back in December. The total amount billed to insurance by the medical center was more than $5,000. Of that total, the insurance company paid a bit less than half.
Before I had the test done, the genetic counselor told me that the company doing the test — Ambry Genetics, one of the companies I could choose from depending on which version of the test I selected — would call me to authorize any out-of-my-pocket cost above $100. As I never got a call from Ambry, I assumed that $100 was the most I would have to pay. Not a bad price if it bought some peace of mind.
(Note: Your mileage may vary. Insurance companies do not always cover genetic testing; they usually require a definite indication of a genetic risk because of personal or family health history.)
But here's the truth of it. My out-of-pocket cost was – nothing.
Not even one bright, shiny, Lincoln penny.
According to the insurance company, by law, the testing company cannot bill me. So even the $100 I was expecting to pay remains in the bank. And that's good news.
The other good banking news appears in this paragraph on the report of my test results:
"If you have a personal history of cancer, you may wish to pursue DNA banking. DNA banking involves providing a DNA sample to a facility who will store it for a set period of time. Since it is always more informative to perform genetic testing on someone who has been diagnosed with cancer, DNA banking helps ensure that your DNA sample would be available to your family members, should additional genetic testing options become available in the future."
This was the first I'd heard of DNA banking. But as this chart shows, the list of gene mutations – and the related cancer syndromes – that can be tested for is lengthy and ever-changing (note the recent additions in red). As the field of genetics grows, allowing us to track our individual health inheritance, so grows the need to compile and update the genetic formulas that affect us.
The various cancer-related DNA banks scattered in research facilities around the country have been collecting data on cancer genetics for a while. As is too often true with technology, however, there's a compatibility issue that impedes researchers who want to collect, access, and compare information in their study of cancer.
But now, the National Cancer Institute has launched a project they call the Genomic Data Commons. Researchers in this project are collecting, standardizing, and streamlining access to these data sets from cancer patients across the country. The project is part of President Obama's National Cancer Moonshot, spearheaded by Vice President Joe Biden, whose son died of cancer. So far, the data collected equals 4.1 petabytes (petabytes!) of information (1 petabyte = 1 million gigabytes).
Whether it's about the money or genes in the bank, the situation for those of us affected by cancer grows a little brighter.


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Have a question about one of our tire products? Interested in an estimate for one of our auto repair, auto maintenance or tire care services?Find Your Location
Have a quesiton about one of our tire products? Interested in an estimate on one of out auto repair, auto maintenance, or tire care services?Find Your Location
Since 1983, Falken has remained committed to using technological achievements to create innovative, environmentally-friendly tire products for a variety of applications.In fact, more than 95% of all cars on the road today are capable of being fit with Falken tires.
By offering premium tires with mileage warranties for all tire sizes and models, Falken truly stands out among the competition.
Call for more: 1-800-22-TIRES
This all-purpose tire, offering a 50,000-mile limited tread life warranty and a 30-day ride guarantee, is a great alternative to other popular SUV and light truck tire options.
With an unparalleled 80,000-mile tread life warranty, this premium touring tire offers superior hydroplaning resistance, as well as a unique tread design to promote extended tire life and even tread wear.
This "luxury and high performance tire at all four corners" delivers outstanding durability and a unique tread model designed to withstand even the worst weather conditions.


text: 1. Create your custom menu under Menus in AOT. 2. Create menu reference for your newly added menu under Menus > MainMenu in AOT. 3. Drag your newly created menu to the MainMenu. 4. Save the changes. Restart the Functional workspace to see your module coming up with standard AX modules 🙂


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Are you interested in making more MONEY every month
Are you interested in having access to a UNIQUE product and technology
Do you want an ADD-ON to your existing line of products
Do you want to be part of a NATIONAL WINNING TEAM
If your answer to those four questions is YES then, you need to TALK to us.
Here is why Formadrain is better.
To become part of the Formadrain team, simply download FORMADRAIN®'S application form and, in no time you may become one of Formadrain®'s official Licensee in your area.
We offer low investment capital with equipment leasing to help you get started (just click here to apply for easy finance).
Once officially approved by FORMADRAIN®, you will receive:
A ONE WEEK technical training from Formadrain®'s engineering team at your place of business
Access to a HOTLINE open from 8AM to 8PM directly to our Engineering Division
A 3 DAY MARKETING TRAINING at licensee's office during business hours
Access to our Marketing Assistance Hotline from 9AM to 5PM from Monday through Friday
YOU STILL HAVE SOME QUESTIONS… Call BRUCE.
Or send him an email. It's always best to get the word from the horse's mouth.
1-888-450-3986 email@example.com


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The TraderVC trading platform is ideal for traders and investors who may not have large amounts of capital, but who still want to benefit from stock trading. It is a CFD (Contract for Difference) trading platform that allows traders to reap the benefits of stock trading without trading the actual stocks. Instead, they enter into a contract with the broker who pays them if they make accurate predictions about how a particular stock price will change within a specified timeframe.
According to TraderVC reviews, the trading platform, traders, and investors benefit from leverage. This means that they can invest small amounts of capital and still be able to trade stocks that are valued at several times the invested amounts. This feature makes it possible for traders and investors to earn multiples of the amounts invested if they are able to accurately predict how the underlying stock price will move. However, it is also possible for traders to lose substantial amounts if their predictions are contrary to how the stock price actually moves. Therefore, it is important that traders learn how the stock markets work, so that their chances of making winning trades are increased. Once a trader understands how the stock market works, they can use the TraderVC trading platform to make significant profits from stock market trading.
Even though the trader or investor is trading through a broker, there are no brokerage fees associated with each trade. Instead, the trader is simply trading the difference between the sale and the purchase price of the underlying stock. The trading platform is highly user friendly, allowing even new traders to navigate it easily. In addition, traders and investors can trade comfortably knowing that they are working on a highly secure trading platform. Anyone who wants to trade stocks online can use the TraderVC platform.


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Saturday morning we woke up to an even more snow-covered landscape with snow still falling steadily. Loren, who enjoyed making pancakes so much last weekend, decided to try his hand at waffles for our snow day breakfast. They were top notch! I vote him as the permanent Saturday breakfast chef. ;)
We moved the couch around so we could look out the balcony doors at the snow while eating our waffles and sipping hot chocolate. It was quite cozy!
Saturday night I babysat and got quite the fancy manicure from the four-year-old girl. She wanted us to match. :)
Sunday after church, we ran some errands and when we got home, I brushed off the snow on Loren's car because he insisted it was my wifely duty. Just kidding. I love brushing the snow off cars! As long as I can reach across the windshield. There's just something satisfactory about cleaning off a snowy car. SNOWY cars. Ice frosted windshields are a different story. I'm weird, I know.
And, surprise, surprise, this is what the rest of the day looked like:
I hope you had a great weekend!


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Noticed this in running some tests. RegionServer was shutting down and MetaDataRegionObserver was just invoking postOpen
When the Class.forName(PhoenixDriver.class.getName()) gets called, the static initializer in PhoenixDriver gets invoked. Because the RegionServer is already stopping, the addShutdownHook fails with an IllegalArgumentException.
It's not a huge concern because we know the JVM is going down, but there are a few things we could handle better:
- Ensure the PhoenixDriver gets closed if the shutdown hook fails to register
- Avoid registering the PhoenixDriver instance if we're shutting down


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ARIES :- You will get support from friends today. You do not feel like studying. You can have some kind of unpleasant event. stay alert.
TAURUS :- Good time will be spent at the work place. Economic conditions will remain good. Dispute with someone can cause negative thoughts in the mind. Laziness will remain in the body.
GEMINI :- You will get good news. The happiness and cooperation from the family will be good. Work will remain beneficial.
CANCER :- May get a good news. Unnecessary expenses will increase today. Good time will be spent with friends. Can have a dispute with a family member.
LEO :- Will get good support from the family members. Help from brother and sisters will be recieved. There will be a good news today. There may be a auspicious event in the family. May have a dispute with Parents over something.
VIRGO :- There will be auspicious fruits wirhin the family. Interest in education will continue. Dispute with someone can cause trouble. Pay attention to money related things.
LIBRA :- You will enjoy support and co-operation from family. Today, you will see an increase in happiness received from the family side. The right guidance will be provided by the elders.
SCORPIO :- You can have some auspicious event at your place. There may be a dispute with a family member. Negative thoughts can arise in the mind. Examinations can lead to frustrating results.
SAGITTARIUS :- You will do any work according to your wishes. Anyone coming into the house will create the atmosphere of prosperity. You will feel happy. Work will remain beneficial.
CAPRICORN :- Today, you may get an opportunity to get involved in any auspicious event at home or relatives place. With the help of a person, beneficial fruits will be obtained. Do not fell intersted in studies. Health fluctuations can be seen.
AQUARIUS :- Today, you may have difficulty completing any work. Differences may arise with your family members. Control on anger is necessary.
PISCES :- Success in today's work will be achieved. You will take part in religious activities. You will have trips. Will get good support from family. Expenses will increase.


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I grew up living with my parents and five siblings on a variety of lifestyle properties in the lower South Island. They were not called that then, the term 'lifestyle property' had not yet been created by the marketing team at the local real estate office. We just always lived "a bit out of town". My parents were very patient and let us have all manner of pets including horses, a donkey, goats, sheep, geese, pigs, chooks, rabbits, mice and rats (both the contained and wild variety), possums, a magpie, an owl and even a hawk. We were always bringing home some form of damaged or maimed animal that we brought back to good health and released. There were ALWAYS a couple of roosters crowing at dawn and Mum always had a huge vegetable patch whereas Dad had a four bay shed full of useful stuff.
We five kids just generally entertained ourselves with all of the above. If we mooched about inside saying "Muuummmm, I'm bored…" we were always told to 'get outside and play' or were given a job to do. There were always jobs to do. It was endless!
Each property never cost that much to buy. My parents had the knack of buying a 'doer upper' and then doing it up. This was never with the intention of creating capital gains, but more to stop the roof leaking and create enough bedrooms for all of us to sleep in. It just so happened that when they got itchy feet after seven years (which seemed to become their standard moving time) they sold it for more than they paid and moved on to the next one. We bounced around West, South, and East Otago each time buying a property ranging from 16,000m2 (four acres) to 160,000m2 (forty acres).
To get to school each day we took the school bus, biked or walked. As we got older we drove the 30 km to the high school in a bigger town. Why a lifestyle property? Mum is from the UK and Dad from Australia and they stumbled upon New Zealand in the late 1960's when a friend said "you really should go and live there". They could not believe the beauty of the countryside. That was enough for them so they moved to Dunedin and headed straight for the most inconvenient place to live. Hoopers Inlet on the Otago Peninsula. Miles from anywhere and a car ride to get there, the fact that Mum could barely drive was no great barrier to tackling the winding peninsula road to Dunedin city. She never fell off it but a quick read of the weekend paper tells me that people still regularly do end up taking their car for a dip on the way into town. In total they have owned six lifestyle properties and they have toiled for countless hours on each and every one of them.
When you own a lifestyle property, without exception, the following things are required:
- New fences of varying types - a coral for the horses, strong fences for goats, fences to stop rabbits eating your vegetables, fences to keep the dogs off the road
- New plumbing - for stock water, for watering the garden, a new hotwater cylinder for the house
- Electrical work - for the electric fences, to run the water pump, to wire up the new hot water cylinder you will invariably need
- Food - Countless bales of hay, lucerne and straw to feed and house the pets livestock, sheep nuts, goat nuts, pigs nuts, grain for chickens, pellets for chickens, dog food, cat food etc. Oh and food for the people too!
- Vet bills - always unexpected and generally more dollars than you realised they would be
- Endless collecting of firewood - which every dweller of the countryside will tell you is FREE
As a kid I recall with dread seeing Dad pull up in a big Bedford truck, tipping the hoist and dumping an enormous pile of firewood on the front lawn. It was our job to stack it in the wood shed, and that's where four siblings came in very handy I can tell you! We used to grumble away at having to do it, probably never sparing a thought for the fact that Dad had felled and cut up the entire load by himself over the previous four weekends. Free firewood indeed!
There was ALWAYS a job to be done and it was either house related or animal related. And there was never a power tool to do it with. Dad had a chainsaw, rotary hoe and lawnmower but the rest was muscle power with the help of five (often complaining) kids. The vegetable garden was always huge and stacked with anything my Mum could grow and the freezer was regularly stocked with fresh meat that was raised out in our paddocks and butchered by Dad. The disappearance of a pet lamb was an unfortunate yet all too common reality.
One final memory of growing up was the lack of cash. Living in the wops wops did not exactly lead to high paying stable work and money was always always tight. Despite buying a cheap property there was always a mortgage and a bank breathing down my parents necks and I recall my Dad being made redundant causing a massive level of stress at home. Raising five kids and running a lifestyle property was an expensive business so my parents were extremely frugal and innovative in using less and spending as little as possible. To this day I can't eat a fish called "Mullet". When Dad discovered that the river that flowed past our house was full of them and they were FREE then it was mullet for breakfast, lunch and dinner. Oh my!
I guess looking back this was considered an idyllic childhood in many ways. We did have a massive amount of freedom to do what we liked. But we did mostly live a car ride from anywhere but neglected to choose parents who would actually take us there. If we needed to get to sports we really needed to get there under our own steam, which rarely happened. But to this day I love to walk and I think this comes from entertaining myself by wandering around our property.
My upbringing of "living off the land" seemed to have rubbed off on me. I have only owned two properties and both of them have been gardened to within an inch of their lives. I garden for fun, fitness and for the food it provides. Our first place was a mere 537 m2 and we dug up all the lawns we had and turned them into garden and I recall a mega pumpkin harvest one year in Christchurch where I grew 27 of them. A bit of a pointless exercise seeing as I don't much like pumpkin! When we moved to Central Otago we decided to go for a bigger property.
A bit more land means that for just a few hours of work each week I grow the following:
Three grapevines (this is Central Otago after all), an apple, two apricots, one plum, one almond, one crabapple, two feijoa, three hazelnuts and hops for making beer.
Then there are the vegetables:
Corn, lettuce, beetroot, beans, peas, garlic, onions, asparagus, tomatoes, peppers, etc. All the usual stuff, except for brussel sprouts, those things are ghastly!
And the fruit:
Boysenberries, raspberries, strawberries, gooseberries etc etc. You get the picture.
If a piece of soil does not have a food producing plant on it it either has a native plant or a weed, whichever gets there first!
We have had chickens for the last ten years but have recently rehomed them because I'm thinking of moving into Quail instead. I fancy a 10 egg omelette for breakfast.
My daughter has a great yard to play in, artificial lawns (no power tools needed) to do cartwheels on, a tramp to bounce on and food to nibble on. We have built a garden shed, assembled a glass house and made a three bin composting factory, we collect rainwater, we recycle every single piece of green waste from the garden and the kitchen back into the soil. We have installed a gas fired bath outside so my daughter and her friends can see the stars while they splash about.
My constant companion when I'm outside is my dog and occasionally the cat. For a while there I kept having to hand rear hedgehogs, as well as the occasional bird that smacks into the window and needs a bit of reviving.
Despite all that we have I have fielded the question "why don't you buy a Lifestyle Property?" more times than I can count. You see, I have this cracking rural lifestyle on 900m2 because I actually live at the end of short cul de sac in town. Yes indeed I could have bought a 10 acre plot on the outskirts of town but I would be stretching myself financially (and physically) to do it. And I thought long and hard about what I'm missing out on by not doing so.
Here are the perks of owning a 900m2 lifestyle property in town:
- I can afford it. I have not stretched myself financially to achieve it.
- I have privacy. I live in a friendly and welcoming community and despite what my rurally residing mother thinks, my neighbours do not spend their days peeping over my fence.
- It is a 2km trip to work, school and town so I can drive, cycle, run, walk or scooter to get there.
- I'm surrounded by forest and public space where I can run and walk and I'm not limited to walking around the perimeter of my neighbours property down some lonely back road.
- Being semi vegetarian I don't have to rear an animal and then kill it.
- I'm pretty much self sufficient with vegetables in spring, summer and autumn
- I don't need to irrigate or spend every spare moment mowing acres of lawn or working on the land.
- It's extremely QUIET. Central Otago rural properties are particularly well known for having frost fighting machinery and bird scaring devices (think World War 3 kind of gun warfare).
- And one of the BEST BITS is that friends pop in when they are passing because we live enroute to where they are headed.
More recently a sister of mine lived in Central Otago too, on a 10 acre lifestyle property. But the difference between now and when we were kids is the far greater price to get into the lifestyle property market. She spent her days either at work making money to cover the significant expenses of her property (including the large mortgage) or working at home on her endless list of jobs to do around her property. After a day of relentless toil the golden hour came at the end of the day when she collapsed with a glass of wine and enjoyed all the fruits of her significant labour. On my 900 m2 patch of dirt I can collapse at 10am if I want to because there is so much less maintenance required at my place (the only downside being if a neighbour wandered up the driveway and I WAS drinking wine at 10am they might unfairly judge me). If the measure of a successful property is food production then my crops beat hers hands down! I've managed to squeeze more out of my 900m2 than most squeeze out of 10 acres.
You will have heard the Lifestyle property = Life Sentence quote I'm sure? Well, I'm all about the LIFESTYLE. At the end of the day my sister is an 'active relaxer' and appeared to enjoy all the work, but the fact remains that she has sold up, paid down the debt, and moved on. For me it comes back to what I find important in life. And that is making the most out of what I have and being content with what I have. I don't feel the need to chase the "endless pursuit of more". People always assume that because I manage my place like a mini farm, that I actually want a bigger farm. Heck no! My place fits my family and myself extremely well and I have spent just the right amount of time and money on it. Buying what I can afford and what I enjoy gives me freedom to actually enjoy it and that is priceless in my view.
Happy Saving!
The information contained in this article is of a general nature and should not be taken as advice. It reflects the opinions of the writer only and does not necessarily reflect the opinions of New Zealand Home Loans (NZHL).


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A spokesperson for Autonomy said on Thursday:
"Last week in response to a question about unstructured information Oracle made some less-than-enlightened comments on the subject, which Autonomy has been pointing out in the press.
Now, as an attempt at diversion from their poor positioning, Oracle has raised the issue of whether Autonomy was "shopped by its management team" to them.
In April 2011, there was a meeting for approximately thirty or forty minutes between Autonomy and Mark Hurd, which was set up by Frank Quattrone as an introduction to Mark Hurd. Oracle is an Autonomy customer. It was made clear that Autonomy was not for sale and no sale process was under way. Mr. Quattrone's company was not engaged by Autonomy at that time. There has been no other contact with Oracle since then.
It may well be that investment banks were independently recommending Autonomy as an acquisition target to industry players – that is standard practice for — but this would not have been at our behest. Qatalyst have informed us that the slides Oracle has recently posted on its website were prepared and sent independently by Qatalyst to Oracle on 26 January (the content is clearly from January). This is the first time we have seen them. Autonomy was not involved in this nor was Qatalyst engaged by Autonomy until mid-year. Autonomy did not present these slides in the meeting.
Oracle seems a little confused about the sequence of events and origins of the data it has received, something that would suggests it needs better management of and insight into the unstructured data on its internal systems. We would be delighted to help."


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Georgia Trend
January 1, 2015
Georgia Trend
Atlanta, Georgia
HomeNurse, Inc. is a proud sponsor and advertiser in the January 2015 issue of Georgia Trend. The article, "Caring for Georgia's Seniors" spotlights what HomeNurse does throughout Georgia on a daily basis.
"We have always been an advocate for patient independence and the ability/goal to remain at home for as long as possible"…our industry and our services makes that a reality for many Georgians" commented Libby Able, President of HomeNurse, Inc.
About HomeNurse, Inc.
HomeNurse, Inc. is a leading provider of Skilled Nursing, Certified Nursing Assistants, Personal Support Aides, and Companion Sitters in Georgia. We are licensed by the State of Georgia and are a Certified Drug-Free Work Place by the State Board of Workers Compensation.
About Georgia Trend
Georgia Trend, the only statewide business publication in the market, is published once a month with two extra issues (Business Georgia and Small Business Guide). It is delivered to more than 50,000 subscribers and has become indispensable to the state's movers and shakers, a tradition that has been carried on for more than 25 years.
Recent investments in GeorgiaTrend.com have created an equally valuable resource.
Georgia Trend has won numerous national and regional awards for journalistic excellence, including the prestigious Green Eyeshade Award, as well as awards from the Magazine Association of the Southeast (MAGS) and Alliance of Area Business Publications (AABP).


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Volatile data sources in Business Intelligence
Recently I've been working on issues related to volatile data sources. Yellowfin – our Business Intelligence solution – uses a connection pool for managing multiple connections to connected data sources. This allows us to control how many open connections we have to the data source, and to reuse connections, rather than creating and destroying connections each time a connection is required.
Challenge: Connection pool maintenance job
One issue related to using a connection pool is that connections remain open for long periods of time, and usually this will be TCP socket connection. If there is a network issue and the socket is closed, or the database becomes unavailable, the connection will be lost.
Yellowfin has always featured a connection pool maintenance job that tests the integrity of each connection every minute. However, we recently discovered that there was a possibility that this process was unable to detect corrupt connections correctly. If a corrupt connection was given to Yellowfin to perform a query, it could potentially fail as soon as it was asked to perform a task.
Solution: Connection verification
Recent modifications to the maintenance job have added functionality that is able to test the connection to the data source. This forces a command to be issued on the connection to verify integrity. If the maintenance job detects a problem, it can close and recreate the connection. This functionality verifies that the connections are solid.
Problem: Source disconnection destroys connections to the connection pool
Some Yellowfin clients are required to take reporting database sources offline periodically. Forcing these sources offline enables clients to conduct a range of tasks, including data warehousing jobs, server replication / mirroring or transaction log shipping. While these jobs only take a few seconds, they still force a full disconnection to complete them, which in turn destroys all the connections in the connection pool – any data source disconnection will result in all the connections in the connection pool being broken. Another recent modification to the connection pool addressed this issue.
Solution: Connection Retry
Connection Retry functionality has been added to address these short-term outages. When a connection is requested, and that connection is unavailable, Yellowfin will now loop through a retry process, waiting for a configurable period for the source to become available. This forces the user to wait in some instances, therefore helping to keep their user experience error free.


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What's New in ERPro 3.10
December 1, 2006
WebLeave online Demo. You can test try our newly introduced HRPro add-on module WebLeave on web. WebLeave for HRPro is a web-based Employees Leave Management Portal for employees with online leave applications and approvals through the use of the internet web forms and email for effective corporate employees leave management.
· A web-based system for handling all types of leave: annual, sick, maternity, no-pay, etc.
· Works wherever there's Internet access.
· Allows staff to apply for leave online.
· Managers can approve or reject leave requested from anywhere around the world via the web, thus saving time and increasing efficiency.
· Employees can get up-to-date information of leave status (including approval status and annual leave balance, etc) as well as their Leave History without contacting Human Resource Department.
· A simple, easy to use system that eliminates paper work, saving time and money.
· Email notification of leave application & approval/rejection to subordinates & managers.
WebLeave Demo Site: http://126.96.36.199/dbERProwebleave/employee/eelogin.aspx
Employee ID: 0002
Password: 0002
System Manager
· Added Search Details checkbox in Global Search ADFGS to search transaction details
· Changed caption Bank Code to Bank ID
· Added checkbox option Grid Enable Word Wrap in Options
· Added Insert button on Lookup Screen for some items (Item, Item Cat, Currency, Account No, and Location) to enable on-the-fly add-new functionality.
General Ledger
· Added Alternate Account to Chart of Account GBFCA as a reference field.
Accounts Receivable
· Added Credit Hold Function
1. Added Credit Hold checkbox in Customer Maintenance
2. When Customer is in Credit Hold, Shipment/Direct Sales is not allowed. Sales Order will give Credit Hold Warning.
· AR Recurring Invoice enable Voucher Description population
Accounts Payable
· AP Recurring Invoice enable Voucher Description population
· Item Movement Summary ICRMS added selection condition Item Category, Sub Category
· Stock Flow Summary ICRSS added column Item Category
· Added Print Word Document to Sales Order SLFOE
· Added Print Excel Document to Sales Quotation SLFQE
· Added Print Word Document, Print Excel Document in Direct Sales SLFDS
· Completed Status in SO will show Partial Status besides Yes/No
· Allow input zero return qty in Sales Return SLFRE to enable "Return Charges".
· Completed Status in PO will show Partial Status besides Yes/No
· Allow input zero return qty in Purchase Return PUFPR to enable "Return Charges".
· Added Budget Balance Column in Project Maintenance Grid Panel PJFPM
· Added Document Type in CRM Activities
· Added Access Rights by Salesperson function: Only those activities and customers that the salesperson is belong can be viewed/edited.
· Added Report Customers with 3 Months No Revenue CRRNS
· Added Sales Target to Salesperson Maintenance GBFSL
· Added date field Customer Since in Customer Maintenance GBFCR
· Added Activities Tab in
1. Sales Quotation SLFQE
2. Sales Order SLFOE
3. Purchase Order PUFOE
4. Shipment SLFSH
5. Direct Sales SLFDS
6. Goods Received PUFGR
7. Customer GBFCR
8. Vendor GBFVM
9. Vendor Status APEVS
10. Customer Status ARECB
Business Alert
· Added checkboxes Except Saturday and Except Sunday in Daily Schedule
Payroll Management
· Added Report Payroll Details Report by Employee PLREE
· Added Report Individual Salary Report PLRIS
Leave Management
· Added Leave Approval PLFAP
· Added Leave Balance Report PLRLB
· Added Leave Application Report PLRAP
· Import file for Hong Kong Holiday 2007 HOLIDAY2007.TXT is available to download
Attendance Management
· Added Attendance Report PLRAT
· Added Overtime Report PLROT
· Added Late-in Report PLRLI
· Added Early-out Report PLREO
· Added Terminal Data Report PLRTD
· Added Roster Table Report PLRRT
· Added Absent Report PLRAB
The following functions are available in WebLeave:
1. Leave Application Status
2. Apply Leave
3. Leave History
4. Leave Approval
5. Attendance Record
6. Company Library
7. Change Password
Please contact ERPro Support Team by email firstname.lastname@example.com or phone 2782-0669 for upgrade arrangement.


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Spain - Murcia - Featured Property
Camposol Golf - Villas Zaar-Walsh
Camposol Golf Mazarron - Villas Zaar-Walsh - 5 Bedrooms, 4 Bathrooms, Sleeps 15 -Check Availability
Penthouse Antoinette
A stunning spacious penthouse apartment built to a very high standard with polished marble floors, vanity units in bathrooms, fully integrated modern kitchen and appliances and fridge freezer. Very tastefully furnished in a beautiful, with everything you need to ensure your stay is as pleasurable as possible!
The apartment has beautiful sea views across the Mar Menor from the balcony.
Upper level has double ensuite bedroom and private terrace with sea views and 2 sunloungers. Two further twin bedrooms and a second bathroom on the lower level, one of the twin rooms has a private terrace. TV, DVD and patio doors to a private terrace with table and 4 chairs.
Washing Machine, Dishwasher
Integrated Oven and Hob
Fully air-conditioned
Central heating for the winter months
Fully equipped kitchen with microwave
1 double bedroom ensuite with a bathroom having a beautiful vanity unit, bath and shower
Further bathroom
2 twin bedrooms, each with 2 single beds
All bed linen and towels includes (except beach towels)
Sleeps 6
Shared communal pool, with a good size toddler section which is approx 6 metres long.
Prices Per Week
Check in not before 16:00, check out no later than 12:00
Nice clean well appointed apartment next to beach, ideal for quiet relaxing holiday. Holiday representative was most helpful and informative. Resort pool was small for number of properties but this not effect us as we were next to beach. kind regards Alan & Barbara Brown
> Hi Linda > > > > Just to let you know we had a fantastic holiday. The apartments were great and Peter, who came with the keys, was extremely helpful and friendly. I will certainly use your company again. > > > > > > Many thanks and kind regards > > Win
Dear Linda, Thank you so much for your help. We had a wonderful stay at the beach resort and had absolutely no complaints about being moved. The apartment was immaculately clean and we felt well catered for. There is talk of a return trip so we may be in touch with you again! Many thanks again, you've made me very popular! Regards, Stacey
just to say, we all had a great holiday, the apartments were perfect, as was the resort.we loved how safe the beach is for young children,and all with in walking distance,so no tiered little legs. once again thank you. best regards Jayne cox
Hi Linda, Had a great time and apartment was very nice, clean e.t.c. Arrangement to pick up keys went without a hitch. Apartment is in a good location, close to beach and very handy for the airport. Joseph Dowling
Hi Linda just getting round to checking my email??!!What a fab apartment,we had a great time weather was mixed as expected for the time of year.Taking 4 teenagers was interesting to say the least but on the whole they had a good time. The apartment was very clean spacious and on a very nice complex. A perfect location for a summer break and would recommend to all our friends and family, once again many thanks GARY AND DIANE.
Dear Linda, Thanks for letting us have the opportunity to rent this lovely penthouse. We enjoyed the week althogh the weather was less than optimal. Elisabeth Sj
|No. of rooms
Murcia - Nueva Ribera - Apartment Dearden
2 Bedroom, Sleeps 4, Sea Viewsmore info
|2 Bedroom Apartment
|Spain - Murcia
|Check Availability
Murcia - El Valle - Villa Fara
3 Bedroom, 2 Bathroom, Private Pool, Sleeps 6/8 -more info
|3 Bedroom Villa
|Spain - Murcia
|Check Availability


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Saturday, May 24, 2014
The Wet Secrets Love Free Candy
I'm not 100% sure I know what a Wet Secret is…or if I even want to know what one is…but this five piece band formed as a result of a dare are the kind of band you do want to know. Their latest album, Free Candy, is an unpolished rock and roll gem that might be a little bit late to the rock and roll party but sometimes it's better to be late than to never show up at all. I'm definitely pleased they finally made it and I'm pretty sure after one or two listens to Free Candy you'll be pretty glad as well.
Sounding like a Stroksian wave of revivalism from revivalists, this grotty, snarly rock and roll band stumble their way through the songs on Free Candy as if they had a bit too much of it to begin with. Taking lots of elements from early 21st century indie and fusing it with loads of keys, horns, dirty basslines and a drunken sense of awareness The Wet Secrets are the sort of band that would make The Libertines try a little bit harder. Plodding, catchy, and a bit persistent The Wet Secrets have so many memorable choruses on Free Candy that it almost gets hard to keep track of them all (I've got a list here beside me) With harmonies you'd swear they lifted off of Kim Wilde's, "Kids In America," to more Killers like electro you're sucked into their vortex of scuzzy cool by about the fourth song.
I really enjoyed how the band has this under-produced retro vibe to them and how Free Candy wouldn't sound out of place in yours or your parents record collection. 1968 or 2003…you be the judge it makes sense either way. The feel, the songs, and the way that this is all presented is all a bit subversive and doesn't feel right in a totally feels right kind of way and it works for the band perfectly. If this were polished and produced it would fail miserably; thankfully it isn't. They might have been formed on a dare, but The Wet Secrets are far from a sloppy concoction; these guys are actually really quite good. Messy and grotty in all the best ways Free Candy is definitely worth a taste.
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Premiär på svenska biografer den 30/3 2012.
In The Pirates! Band of Misfits, Hugh Grant stars in his first animated role as the luxuriantly bearded Pirate Captain - a boundlessly enthusiastic, if somewhat less-than-successful, terror of the High Seas. With a rag-tag crew at his side (Martin Freeman, Brendan Gleeson, Russell Tovey, and Ashley Jensen), and seemingly blind to the impossible odds stacked against him, the Captain has one dream: to beat his bitter rivals Black Bellamy (Jeremy Piven) and Cutlass Liz (Salma Hayek) to the much coveted Pirate Of The Year Award. It's a quest that takes our heroes from the shores of exotic Blood Island to the foggy streets of Victorian London. Along the way they battle a diabolical queen (Imelda Staunton) and team up with a haplessly smitten young scientist (David Tennant), but never lose sight of what a pirate loves best: adventure!
En första trailer som lovar gott. Ardman Animation har gjort många snygga och mer viktigt, underhållande filmer genom åren.
Finns även att se hos Apple om man föredrar det.
Edited by Georgia, 25 September 2012 - 20:22.


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Hell World RX
Just two weeks after the World RX Championship's first visit of the year state side the championship headed back to Scandinavia. Hell is always a popular event on the calendar with amazing scenery surrounding the circuit, 19,000 fans looked on as the drivers provided the action.
iON athlete Petter Solberg made a brilliant start to proceedings. He was victorious in the first heat with a brilliant Joker Lap. The second heat didn't go to plan with a puncture on lap whilst battling for the lead at the start. A strong second day was needed and Petter delivered, 4th in heat three and a win in the final heat qualified him on the front row of semi-final 2.
Chaos ensued, first, contact with the half spun car of Mattias Ekström and then a clout from behind from Timur Timerzyanov. Petter's car couldn't continue at full race pace and he finished 5th in the semi-final.
The final went the way of Sweden's Timmy Hansen with Peugeot Hansen team mate Davey Jeanney in second place. Popular Swede and iON user Robin Larrson took his first podium of the year in 3rd.
The championship heads to Loheac in France where Petter will look to defend his 41 point championship lead.
Check out the Supercar Final video below:
World RX: Facebook / Twitter / Instagram
Petter Solberg: Facebook / Twitter / Instagram
WIN a World Rallycross Experience


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Club Call - Every Thursday
DONAGHMORE: Ladies' Easter raffle will take place in the Bottom Bar on Saturday, April 22 at 10pm. Tickets still on sale from any committee member, all local shops and at the Torrent Complex.
Forms are now available for any youth members of the club who wish to apply for a scholarship towards their Gaeltacht fees. For further information, please contact secretary Pauric Gallagher (07734 865 961). Please note the closing date for applications to be received by county board is Friday, May 5 at 5pm, therefore all forms will need to be completed by secretary by Thursday, May 4 at the very latest.
KILLYMAN: Irish dancing classes will continue as usual on Monday evenings.
The summer camp will be held from August 14-17.
GLASSDRUMMAN: Yoga will not be going ahead next Monday due to the Easter holidays.
Walking Club will restart in May, further details to follow. Due to holy week services, tonight's bingo will be starting at 8.45pm.
Scór squad will be taking part in annual county Scór celebration in St Patrick's, Saul on Easter Tuesday at 8pm. Transport details will be sent by text during the week.
ARDMORE: Starting on Sunday, April 23, there will be a run for fun at the Gaelic pitch every Sunday morning at 9am. This is for children over 12 years and their parents and anyone else from the community who would like to get more active for the summer. Just turn up on the morning wearing clothing suitable for the weather. For further information, contact Cyril Hargan.
ST JOHN'S, DRUMNAQUOILE: Social media legend Rory's Stories has been booked for the club for Saturday, May 20.
The walking group's next outing will be to Murlough on Wednesday, April 19, leaving the club at 7pm and the entrance near the 12 Arches Bridge at 7.15pm. On Saturday, April 29, we go to Slievemageogh in the Mournes. Walks may change at short notice depending on weather etc. For further details, contact Kevin McGlynn on 078 3596 0804 or firstname.lastname@example.com.
ST MICHAEL'S, MAGHERALIN: The club is organising a night at the races on Saturday, April 22 in the GAA hall, starting at 9pm. Race sponsorship is £20 and to buy a horse is £10. Please contact any committee member to purchase.
ST EUNAN'S, LETTERKENNY: There is no Friday evening hurling and camogie academy for the next two Fridays. It will resume on Friday, April 28 in O'Donnell Park at 6.30pm.
We extend our deepest sympathies to the Gallagher family, Kirkstown; the Harley family and the Peoples family on their recent losses.
ST ERGNAT'S, MONEYGLASS: There will be a big Easter breakfast this Sunday from 6.15am to 8.30am in the community centre. Everyone most welcome.
Club 200 commences on April 20. Contact Donal (07743 503 670) or Megan (07729 284 371) for details.
ST MICHAEL'S, LISSAN: Easter fun day will take place on Easter Saturday. Big breakfast from 10a,m, underage football, Easter egg hunt, bouncy castle, mothers and others and exhibition matches. Everyone welcome.
CUMANN PHEADAIR NAOFA: The dancers progress to the All Ireland Scór final on Saturday, May 6 in the Waterfront in Belfast. Anyone wishing to attend is asked to email Aislíng McGivern (firstname.lastname@example.com) to place a ticket order.
Last Sunday saw the launch of this year's 5/10k on the Bay, which is famous for being the most picturesque run in the area. The chipped run will take place on Sunday, May 21 at 10.30am. Cost is £12.
CLAN NA GAEL, LURGAN: Easter Eggstravaganza, Easter Sunday 11am-1pm at Davitt Park, £5 per child, £10 per family.
MAYOBRIDGE: The awards keep rolling in for very talented club member Deirdre Coulter. After her recent success at the Castleblayney Drama Festival, she has followed this by winning Best Supporting Actress at the Wicklow Drama Festival last Saturday night. Congratulations to Deirdre.


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Study Space Options
Health Sciences Library
- Quiet Study Areas
Quiet study areas are located in the reading rooms on the second floor, the Cabell Room, and the Carter and Tolleson classrooms downstairs (when not in use by classes). These areas are open to all Library users. Located in the large reading room are six study rooms. These rooms are available on a first come, first served basis and can be used by individuals or groups.
- Other Study Areas
Other study areas are available throughout the Library. These areas offer carrels for individual study and tables for group study. These areas are open to all Library users.
- Group Study Rooms
Thirteen group study rooms are available for reservation by Health System affiliates. These rooms may be reserved at the Library Service Desk, on-demand using the scheduling panels, or by calling 924-5444.
- After Hours Study Area
An after-hours study area is available whenever the Library is closed. The door to the after-hours study are is in the Link on the McKim side of the Library. Only those with Health System IDs can gain entrance to the area.
Pinn Hall Teaching Labs
The labs are available (when not used for classes) 24 hours a day to Health System affiliates. Same day reservations can be made on-demand using the scheduling panels mounted outside of the rooms. Resource Scheduler can be used to reserve time further into the future.
Pinn Hall Conference Center
The G1 and G2 conference rooms are available for study space around exam times if not scheduled for other events. The usage policy for the conference center is:
- Printed schedules in front of G1 and G2 list available study times.
- No food or drink in rooms during study times.
- Furniture is not to be moved.
- If study time is scheduled and the doors are locked PIC security at 1646 to open the door.


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The Post I Can't Write
I was going to write a post about HG Awareness Day and a 5K I'm running, but I can't do it.
I was going to write a post about HG Awareness Day and a 5K I'm running, but I can't do it.
I learned a lot from my run streak last summer. Here are seven of those things.
Little things mean a lot. What are your Small Successes this week?
This week's Small Successes are small, but meaningful.
We're talking about success today, big or small. Check out Small Success Thursday!
Running has taught me things about myself that apply to my spiritual life, too.
My journey to being a Real Runner started with my husband running a marathon.
#SmallSuccess Thursday: Celebrate victories in #homeschool, #running, and #parenting! #runstreak
Every success, no matter how small, is still a success! Here are my Small Successes for the week!
Let's talk about the little things that go right!


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Despite its less-than-ideal weather, Great Britain has had a knack for turning out big time slalom skiers. Names like Mapple, Asher and Arthur come to mind.
Pretty soon we may have to add Winter to that list. At 23, Team Goode's Freddie Winter has been quickly ascending the European and world rankings lists, currently sitting at No. 2 and No. 15 on the Euro and IWWF rankings, respectively.
With a number of European titles under his belt and university completed, Freddie is looking toward tackling the world stage as well as the North American competition scene.
Goode recently had the chance to talk to Freddie about his career, future goals and a new slalom ski that has him very excited.
Goode: Where do you do most of your skiing and who do you train with?
Freddie: JB Ski near London is my favorite ski site in the UK. I had my first ski there when I was six and have been training there pretty much ever since. The bulk of my skiing over the years has been with John Battleday, the former slalom world silver medalist. I've also skied a lot with Dimitri Kourounis out in Porto Heli, Greece, and he's been a huge influence. He's a top coach and a great friend.
How did you get into skiing?
My parents have both been skiing at JB Ski every weekend for over 25 years so I have always been around a lake. I guess it was inevitable that I was going to try it. I loved it and my parents supported my skiing from an early age.
When did you realize that "hey, I'm pretty good at this" and that you could become a top skier in the world?
Beginning at an early age I always wanted to compete. And over time my expectations and ambitions have changed a lot, from when I won my first under 12 national championship to now where I'm starting to compete with the top guys that I've admired a lot over the years.
You are tearing it up in Europe. Any chance we might see you at some of the big events in the states any time soon?
I am planning on coming to Diablo Shores in September for sure. I watched that event last year on the webcast and was so frustrated I couldn't be there given how great it looked.
You just hopped on the NANO ONE. What happened when you first got on it?
To be honest I was a bit nervous because I really loved my previous ski, the NANO Twist. I swapped my Powershells over and jumped out on the water without even checking the fin. The first set was great; I got around 3 ball at 10.25 meters (41-feet off) on factory settings. From that point I knew there was no going back to the Twist.
So you haven't been on it long. What do you think your potential is on it?
I've been on it less than a month but felt at home straight away. I just had my first tournament on it last week and equaled my best of last season. It's early still and I feel that I'm improving as the season goes on so hopefully the only way is up.
You've skied a few previous Goode models. How are the characteristics of the NANO ONE different and the same as those?
I have been skiing on Goode ski's since I was 12 or 13 years old when I was passed down my mother's old 9200. So I've been on a load of Goode ski iterations, including the 9200, 9500, 9700, 9900 and NANO Twist. The most noticeable difference between my old Twist and the NANO ONE is the added stability I feel from the wider ski. It is a ski that allows you to ski really smoothly, but if you get in a bit of trouble and need a big turn, it has the ability to be really aggressive. My off-side turn feels improved and a lot more reliable.
What's the plan for the rest of the year?
This year I am going to seriously focus on my skiing. This season is the longest I will have had with tournaments stretching right to the end of the year. I have a few tournaments lined up with special emphasis on a few. I have the World Games in Columbia in a month's time, the Europe and Africa Championships in Greece in September, and the World Championships at the end of the year.
Great Britain has produced some amazing slalom skiers, with of course Andy Mapple and Will Asher coming to mind. How did their legacies help you start your own and what does it mean for you to have them go before you?
In my eyes those guys are the two best slalom skiers since the 80′s. I like to think that they have come from the same country as me and have had the same opportunities, as well as having to deal with the same pretty average weather, and still managed to come out on top. If anything that gives me confidence that I can do the same. When I was getting started in tournament skiing I always looked up to Will and his success showed me that a guy from England can be the best around. I've started competing against him a fair amount over the last couple of years and have always enjoyed the challenge.
With the Worlds coming up later this year, what are you hoping to accomplish there?
I am just waiting for the (May) IWWF World Ranking List to be published to confirm my place but I will likely be in the top 20, which I need to qualify as an individual (Freddie was 15th on the October 2012 list). It will be my first Worlds which I am really excited about. I will have to see how the season goes between now and then, as it is quite a way off, but right now I feel good and I'm hoping for a high placing.


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Alfabet (SoftwareAG)
Alfabet Enterprise Architecture Management Platform supports modeling of current IT landscapes and facilitates planning for the future. The tool facilitates understanding of how IT supports operational objectives and how enterprise architecture processes can be improved.
Alfabet IT Planning & Portfolio Management Platform facilitates IT investment decisions and planning of how IT can support the company's future business operations. The tool enables analysis of the IT portfolio, management of the portfolio and cooperation in relation to future development of it.
Ferrologic has expertise in Alfabet's platforms from SoftwareAG, as well as specialists who focus on this area.


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Is there more we could learn from LISK.com? Yes, but this would take the site owner to help with the who's who as well as more screen names coming forward to give their experiance (not talking about sock puppets, real readers with no agendas). But it's there (some of it at least) if any of you want to search the LISK.com archives and see what can be seen. I put up enough of the comments that I think we understand Fluke's agenda and how the game began.
It stepped into high gear when Mysterymom7 appeared and started a blog og her own. So we will head there next to see the crap Joey put up using questionable screen names, we'll get into the 69 IP and a few others that kept Cristin guessing but almost never understanding. We'll see how the screen names crossed over to my blog once I began. Most of all will ask Cristin some tough questions about what she claimed was fact though she now says was just speculation.
But not till after the holidays. This blog is on vacation. I have to properly end the "red and black" blog, it has been in limbo for way to long. Plus I have something more personal I'm working on, hopefully some of you will follow me there (not you Dorothy).
So, HAPPY HOLIDAYS! Go spend it with your family and loved ones. Enjoy them. Remember all of those who are no longer with us this holiday season and celebrate with those who are.


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What Conditions to Expect on Trails
From Oregon Hikers Field Guide
This is a general guide for what to expect on Oregon and southwest Washington hiking trails throughout the year. Please remember that every year is different. For example, a warmer drier winter means that wildflowers will bloom earlier and summer wildfires may be more abundant, whereas a cool wet winter with an above average snowpack can delay wildflower blooms and make stream crossings dangerous in early to mid-summer. Rain is possible any day of the year, even in summer. Check recent trip reports on this site for the latest conditions. Weather conditions may change unexpectedly during any hike, so preparation is very important. NOTE FOR 2018: Many trails on the Oregon side of the Columbia Gorge are closed. Check the trail status before heading out.
January: Only low-elevation trails (2,000 feet or lower) will be accessible. Weather is cool and wet and possibly even snowy. In the event of snow at low elevations, trails may be inaccessible or dangerous. Accessible trails are often muddy. The Oregon and Washington Coasts as well as low elevation river hikes in the Coast Range and the Columbia Gorge may be good options. Duck hunting season closes at the end of the month.
February: Only low-elevation trails (2,000 feet or lower) are accessible. Weather is cool and wet and possibly even snowy. In the event of snow at low elevations, trails may be inaccessible or dangerous. The earliest wildflowers start blooming in the eastern Gorge, generally near the end of the month. Accessible trails are often muddy. Try some hikes in the Coast Range and at lower elevations in southwest Washington.
March: Weather is usually cool and wet, but warm sunny days are possible. Trails above 2,000 feet elevation may still be under snow. More wildflowers will be blooming at low elevations in the eastern Gorge, where the weather is often much clearer past Hood River. Many plateau level trails in central Oregon, e.g. along the Deschutes and Crooked Rivers, are accessible.
April: Weather is unpredictable, as warm sunny days are interspersed with cool rainy ones. Weather conditions may change unexpected during a hike, so preparation is very important. Wildflowers becoming quite abundant in the Gorge as the month progresses. Continued snow accumulation in the Cascades is likely.
May: Weather is improving with higher likelihood of sunshine but plenty of rain is still possible. Weather conditions may change unexpectedly during a hike. Wildflowers are abundant at locations in both the western and eastern Gorge. Hiking is still mostly restricted to 3,000 feet elevation or lower. East of the Cascade Range, you can expect to hike up to 4,000 feet or higher. Options for long backpacking trips remain limited. Even on warm days swimming spots will be dangerously cold. Wildflowers bloom in central Oregon and the high desert. It's a good time for hiking the canyons below Steens Mountain, but there's still a lot of snow higher up. The Owyhee area is at its prime, but river crossings are deep and often unfordable, and road conditions can be poor because of rain storms.
June: Higher-elevation hikes start becoming accessible as the snow melts (depending on snowpack and weather). Even on warm days swimming spots may be dangerously cold. Alpine areas are likely to remain snow-covered. Trails in the Cascades may have suffered damage from winter storms and therefore may be impassible. Silver Star Mountain is mostly snow-free by now. This is the peak wildflower month at middle elevations in the Siskiyous and Blue Mountains. It is a good month for hiking the high desert (Pueblos, Trout Creek Mts., etc), but thunderstorms are common. The north section of the Steens Mountain Loop Road usually opens up by the end of the month.
July: Most high-elevation hikes in the Cascades are snow-free by the middle of the month. Mosquitoes can be abundant in the mountains, especially shortly after the snow has melted. Weather is usually warm and sunny, but rain is always possible. Scorching hot weather is also a possibility. Popular backcountry areas such as Jefferson Park, the Three Sisters Wilderness, and the Wallowas are snow-free by the end of the month (if not sooner) but will be crowded on weekends.
August: High-elevation trails in the Oregon and Washington Cascades and the Wallowas should now all be snow-free. Daytime temperatures can get quite hot, even at high elevations. Rain remains possible. Long-distance visibility will frequently be lessened due to wildfires. Trails and roads may be closed due to wildfires. Campfires may be banned if conditions are hot and dry. Popular backcountry sites will be very crowded on weekends. Huckleberries are ripe in Indian Heaven and around Mt. Hood and Mt. Adams.
September: The days are getting shorter and cooler but the weather is generally still good. Crowds on trails are diminished, especially on weekdays. Long-distance visibility may be lessened due to wildfires. Trails and roads may be closed due to wildfires. If there hasn't been a lot of rain, huckleberries can still be good in the High Cascades. Fall color arrives in the mountains during the second half of the month. Night temperatures at backcountry sites may dip into the 40s (or lower). However, this is a great time to be in the Wallowas, for example. Bow hunting season begins just before Labor Day, and some trailheads, e.g. the Elk Creek Trailhead on the west side of the Eagle Cap Wilderness, will see large parties with horses and mules packing into the high valleys.
October: Fall color is abundant at lower elevations, and arrives in the Gorge late in the month. Snow becomes a strong possibility in the Cascades, Blue Mountains, Wallowas, and Steens Mountain. Weather is unpredictable with warm sunny days interspersed with cool rainy ones. Conditions may change unexpected during a hike, so be prepared. Deer hunting season begins in Oregon and Washington, but the timetables vary around the area. Waterfowl hunting season begins in earnest mid-month.
November: Most fall color is done by mid-month. Weather is mostly cool and rainy. High-elevation trails are often inaccessible due to snow. Snow becomes more likely in the Coast Range and Siskiyous. Low-elevation trails start becoming muddy. The elk and deer hunt is taking place in various units in Oregon and Washington. Wear bright red or orange when in the woods.
December: High-elevation snow renders mountain trails inaccessible for hiking. Hiking is limited to low-elevation trails in the Columbia Gorge and on the Oregon Coast. Weather is cool and wet.


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Information-driven society
|The advent of
computers have had far reaching effects on the investing
community. World stock markets have long been driven by a
need for more and more information, both on the companies
listed on the exchange as well as local and world events
that could effect the price of the socks.
Carrier pigeons were one of the first tools used to speed up the flow of information and enable investors with access to this more up-to-date information to make money at the expense of those with less up-to-date information.
The advent of the telegraph service and intercontinental telegraph links and ticker tapes were the beginning of an efficient use by financiers of latest technology to aid them in their quest for better returns on their investments.
Banks, Stock Exchanges, Fund Managers; etc, have relied heavily in the last decade on computers to help them make the right decisions, quickly and based on accurate data. Not only this, but computers have aided them in their administration and freed them to concentrate more time on research and investing issues. This has enabled them to grow the size of the their organizations and control larger portfolios.
Today it is unthinkable for a stock broker or fund manager to be without a computer or terminal on his desk giving him access to some form of electronic information relating to his field of expertise be it comparative graphs of share movements, real-time Futures information or the latest world news. It is all available at the press of a button.
Information gathering with technology
Developments over the last few years have meant that this kind of technology is also available to private investors. You don't have to be computer literate (you don't even have to own a computer!) to gain access to the wealth of information that is available.
In the following section, we shall concentrate purely on the South African situation and the various options and services that are available to investors in this country.
The South African alternatives
The advent of Beltel in South Africa opened up a new medium for the dissemination of a wide variety of information to the general public and companies alike. Beltel provides a low-cost nationwide infrastructure which can be dialed into with a toll free phone call.
All you need is a computer, equipped with a modem, or a terminal can be rented directly from Telkom on a monthly basis. The costs are essentially very low for the services it can open up to you, such as: being able to view your bank statements and transfer funds all from home or work, view prices of new or second-hand cars, view aircraft timetables, exchange rates, fresh produce prices, send gifts or as is relevant to the subject of this chapter obtain local financial information such as JSE share prices, Unit Trust prices and investment advisory and commentary services or even worldwide financial information from the major stock markets.
The service most widely used by private investors is that of downloading closing prices every evening onto a PC and then automatically updating a graphics program or technical analysis system. Many years ago the only way to plot a graph of the movement of a share was to use pen and graph paper and actually plot each point day by day to form a graph.
Then once the decision has been made to buy or sell, keeping track of performance on a daily basis becomes important. The latest JSE prices are available electronically via a variety of systems and there are even services that make it affordable for private investors to be able to keep a watchful eye on prices on an hourly delayed or four times a day basis.
Advisory services and market commentaries are also available, provided by information supplies, brokers and analysis. This allows one to keep abreast of the latest events and estimate what other people are thinking about market conditions and specifics shares.


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>There Are Scammers Everywhere
>Fake Debt Collectors and False Lotto Winners Bother and Terrify Consumers
Alleged Debt Collection Scam Uses Strange Names And Threats to Frighten Consumers
Here's one scenario that has happened. Tamara moved into her townhouse two years ago and has faithfully paid mortgage payments. She is home alone one night just before ten when the phone rings. It's a man on the other end who claims he is with a credit company. He calls it the Home Protection Credit Alliance and tells her the mortgage on her home is in default and the company is about to foreclose.
"What? she shrieks. She knows that can't be true. She has made timely payments to her bank. "…and I can prove it," she shouts. "I pay by credit card and they have received the payments because they send me a monthly statement."
"Not according to our records," the man says. "But it could be a simple mistake and if you'll give me some information I can probably correct it for you right away."
"Who is this?" She demands. I made my payments and I can prove it."
"I believe you did,' the man says. "You say you paid by credit card?"
He seems intelligent and has a friendly voice. But, still, Tamara is suspicious.
"When and to whom was your last payment, and for what amount?"
"It was the last of July."
"Well, if you'd just give me the name and number on the card our office will check it out thoroughly for you and straighten things out without you having to do anything."
Tamara's suspicion heightens. She is smarter than the average citizen and refuses to talk to him further so she hangs up. Still, the lingering fear of having someone call almost in the middle of the night, knowing more about her than she knows about him scares her. She checks the doors to her home, making sure the deadbolts are set and there are no unlocked windows. She is actually terrified and unable to sleep. Her big mistake was that she talked to the man instead of hanging up immediately.
What the scam artist was looking for was information about Tamara. Once he had her credit card number and name he would ask for and (usually) get her social security number and address. Identity theft is rampant in the world. It would be easy, then, for him to charge up some large purchases and/or make false identity records and create nothing but trouble for Tamara for the rest of her life.
Scammers have bilked people out of millions of dollars each year.
Law enforcement officials in West Virginia say they're struggling to track down alleged scammers who use repeated phone calls, threats and fake names to try to swindle consumers out of thousands in supposed debt repayments.
Prosecutors said that the scammers, who often speak with heavy foreign accents, are known for repeatedly calling people at home and at work and threatening them with arrest if they don't repay supposed debts — debts that, according to West Virginia officials, don't actually exist.
The scammers operate under names such as U.S. National Bank, Federal Investigation Bureau and United Legal Processing, said West Virginia Assistant Attorney General Norman Googel.
The callers also have invoked the names of actors Denzel Washington and Steve Martin.
Googel said that the scammers have been impossible to track down, but ABCNews.com spoke to one man who claimed to be associated with U.S. National Bank. The man said he worked for Financial Crime Division, a company he said provides services for USNB.
The man refused to give his name and gave little information about his company.
"It's not necessary that each and everyone knows about Financial Crime Division, and probably one of them is you," he said.
Be scrupulously aware of who you're talking to on the phone. Check the call number on the phone printout before answering. Let questionable calls go on your answering machine. Usually these people will not leave a number. Some folks have been bothered so much by scams and salespeople they have left a recording on their phone asking the person to simply "amscray" or leave a number and name if this is not a scam. That way you don't need to answer these kinds of calls and the perpetrators usually won't call you back.
Never call back unless you know the person calling.


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Phil BurfordExt. 1526
Office hours: Mon-Fri 8:00am to 5:00pm EST
Toll Free Phone: +1 855.752.9393
Email: email@example.com
Radwell International gives you a 2 year warranty on every item we sell and on every repair we do. Our free 2 year warranty makes every Radwell purchase a dependable, reliable investment in your company's future.


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This test kit is used for the qualitative detection of syphilis (Treponema pallidum antibody) in blood.
The result of the Syphilis test can be read within 15 minutes.
Unsafe sexual contact with someone who has Syphilis carries a risk of infection.
Using this test you can see if you have Syphilis.


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Gabi Garcia believes that the Gladiator Fight Team are "trash people" and hopes Veronika Futina will actually find some success when the pair face off later this year, unlike her teammates.
Last week Futina slammed Gabi Garcia during an interview with Rize Up! Podcast. The Russian says that Garcia has the boxing skills of a child, vowing to "tear apart" the Brazilian if the two ever meet. Garcia responded telling Futina "Let's go".
Futina trains at the Gladiator Fight Team in Russia. Two of her teammates have previously fought Garcia but were unsuccessful in their attempts to become the new number-one women's heavyweight fighter in the world. In April 2016, Anna Maliukova found herself victim of a second-round armbar submission. However it should be noted that to date she is the only woman to take Garcia past the first round. Meanwhile, Oxana Gagloeva was unsuccessful last year after being poked in the eye by Garcia and then refusing to continue due to a severely damaged cornea.
Garcia (4-0, 1 NC) absolutely ripped into Futina's teammates in a post on social media and branded the lot of them "trash people".
"I need this fight! I hope she doesn't tap like Anna and continues to fight [unlike Oxana]! This team are trash people" Garcia said.
WMMA Middleweight+ World Rankings
Click HERE to see a video of Veronika Futina in action.
Fight fans, is Garcia vs. Futina the next fight to make? Who do you think would win? Let us know in the comments section below.


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My prayer:
So grateful for the healing change you have made in me God. Your healing power never ceases to amaze me. You heal us physically, emotionally, spiritually. In a world that seems hell bent on making us ill and hurt I have a God who is heaven bent on seeing us whole and healed.
What God Said Tonight:
The difference between living life as my child and living life on your own is not about the things that happen to you. It is about the options of responses you have to those things.
When you are my child and you get sick, you can call on my healing power and have assurance that you will be healed. When you are hurt you can come to me for comfort and healing. When you are not living as my child, your reactions are limited to those you can do on your own.