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The Spinney, Roscommon Town, Co. Roscommon
Price On Application Detached house | 5 Bedrooms | 2 Bathrooms
Property Overview:
- 5 Bedrooms, 2 Bathrooms
- For Sale by Private-treaty
Date Entered/Renewed: 19-02-2019 ( 542 days ago )
Daft Property Shortcode: https://www.daft.ie/12048585
Property Description:
The residence is finished to a high standard and situated in one of Roscommon's most sought after
areas and within walking distance of all local amenities.
areas and within walking distance of all local amenities.
- Accommodation consists of :-
- Sitting Room, Dining Room, Kitchen , Downstairs Bedroom, Utility and Toilet with Wash Hand Basin
- Upstairs has 4 Bedrooms with one En- Suite and a Bathroom.
Advertiser details
Pat Hughes & Co. Ltd.
Call: Pat Hughes|Telephone: 090 66 27003
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If anyone ever comes up to me and says that Ameri?cans are basically a giant herd of stupid sheep who clumsily but enthusiastically move as one mass from one craze to the next, I?d smack their face, stomp on their toe and say, ?OK, yeah, you?re right.? I?m talking about the pumpkin spice latte, the annual autumnal tradition that combines […]Read more ›
Category: Don't Ask Why
FYI: Acronyms are sort of OK
I would like to take a moment to briefly discuss the preoccupation with acronyms that we have in this country (aka the USA). The other day I was watching a program in which a British lad said something about the ?telly.? The use of the word telly got me thinking: Why do we initialize TV instead of simply shortening the […]Read more ›
Cat cites silly Human tricks
This is Simba Vogel. Maybe you know my Human. He?s the round-headed guy who likes to antagonize his single reader from Minnesota by making fun of that state. Anyway, my Human can?t come to the computer today because he?s off somewhere doing things that stress me out. So I guess I?m in charge of his column this week. Just think […]Read more ›
One big move deserves another
To paraphrase M*A*S*H's Henry Blake when his office was surreptitiously emptied, I'm writing to you from deep inside a real big empty. My home office?which was once filled with the books and posters and trinkets that I imagine would be for sale if my personality ever had a garage sale?has basically been whittled down to a desk, a chair and […]Read more ›
Path to Dreamland often is elusive
I can?t sleep. This might have something to do with the fact that my pre-bedtime activities consisted of watching ?Indiana Jones and the Temple of Lots of Snakes? and eating a fuzzy navel-flavored snow cone. Snakes and sugar are rarely the winning elixir for nighttime revitalization. That?s one possibility, but the more likely culprit is the fact that every few […]Read more ›
Time travels slowly in west Kansas
Last week I had the opportunity to attend a church conference in Colorado Springs, which seemed like a great idea until I found myself traveling all alone down I-70 on the great expanse of nothingness that ill-fated cartographers labeled as western Kansas shortly before their deaths. They died of boredom, of course, because there is absolutely nothing else out there […]Read more ›
Communicate so it won?t humiliate
As a communication major in college, I spent a significant amount of time studying the communication theories that other communication theorists had developed in the past, because apparently there isn?t much else you can do with a communication major. Communication theory, I should explain, is a field of study that attempts to understand and define how good we can talk […]Read more ›
Bells of technology toll for thee
A realization came to me the other day like a bell going off. Three bells actually. My phone dinged to tell me I had a new text message, my tablet dinged to tell me I had a new email in my inbox and my computer dinged to tell me I had a new Facebook notification. I?d say this all happened […]Read more ›
Fireworks tradition was lit in 1776
This week we celebrate that fateful day in 1776 when the Founding Fathers, who were then just Founding Teenagers, were goofing off with firecrackers in the alleyway behind Independence Hall and accidentally launched one off into the British?s shrubbery, catching it on fire. This really ticked the British off. So they marched their army over?on the wrong side the road, […]Read more ›
Odds, ends from David?s idea trunk
With just a few hours left before summer officially begins, I decided it was time for my first (and probably last) annual spring cleaning column, which will basically demonstrate that I really can throw out an awful lot of bad column ideas and still have enough… *** For the longest time I kept thinking that Mel Brooks and Mel Gibson […]Read more ›

subset: commoncrawl


text: Wolwedans Dunes Lodge Hotel is located in the heart of the private nature reserve area of 185.000 hectares NamibRand in Namibia. Treat yourself to an unforgettable stay, surrounded by wild nature, not forgetting about the comfort and style. Wooden construction with panoramic views of the desert in all directions, reminiscent of an original camp, but at the same time provide protection and comfort. Each of the nine spacious chalets with en suite and private terrace. In the main building are two lounges, a library, an outdoor fireplace, three restaurants, a wine cellar and swimming pool. Wolwedans Dunes Lodge. If you love nature and seek a peaceful and interesting to cleanse the mind and soul, Wolwedans Dunes Lodge – this is what you need.


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Investing in Mutual Fund for Beginners – The Complete Guide
If you ask me what the perfect investment for beginners is, I'll definitely answer – Mutual Fund.
At 19, I had a mutual fund and kept investing in it as little as 1500pesos every month. I treated my mutual fund as a retirement account, money I am saving for my(future)self.
Over the years I've received a number of questions about investing in mutual fund in Philippines. So today I decided it is time to create an everything-you-need-to-know kind of blog post. Treat this as a complete guide in investing in mutual fund- from requirements, procedure to the top things you need to know.
Let's begin!
Related Links:
Investing in Stocks Philippines
Other Investment Options You Can Try with Your Bank
Mutual Fund
A mutual fund is a pool of money managed by a professional fund manager and invested in a specific type of securities to answer an investor's financial goal in life.
Investing in mutual fund is also known as indirect investing in the Philippine Stock Market. Why?
Because when you invest in mutual fund you are basically entrusting your money to an entity. You can't choose which stocks your money will be invested. You don't need to worry of the whole buying and selling procedure.
It is the simplest and easiest way you can invest in stocks. You can treat it like a normal savings account but instead of parking your money in the bank, your investments will be put at work.
Fund Manager
The Fund Manager acts as your own fund expert. He handles every step of your investment guided by strict regulations. He monitors the value of your investments and see to it that the earning potential of the fund is maximized. He invests the fund's capital to produce gains and income on your behalf.
Your mutual fund portfolio is structured and maintained to match the investment objectives stated in the prospectus of your chosen mutual fund. It answers where your investment goes or the composition of your mutual fund investment. Each portfolio differs depending on the type of mutual fund.
Types of Mutual Funds in the Philippines
There are a number of mutual funds available in the Philippines. Each mutual fund are further characterized based on the following:
- Composition or where it invests
- Horizon or how long it would be invested for maximized returns
- Objective or why you are investing
- Risk appetite or how much risk can you tolerate
If you have access on the SavingsPinay Library you can easily download the Mutual Fund Comparison Guide I created to help easily assess which mutual fund is suitable for you. Join now in case you haven't.
Equity Funds
An Equity Fund, also known as stock fund, invests in selected stocks and equity securities. A typical portfolio mix involves shares on properties, holding companies, transportation, telecommunication and power.
Bond Funds
Bond Fund invests in government and corporate debts. A typical portfolio mix includes treasury bills, preferred stocks and corporate bonds.
Money Market Funds
Money Market Fund invests in short-term securities. A typical portfolio mix are composed of high-quality liquid debt and monetary instruments, short-term treasury securities, certificate of deposits and the like.
Balanced Fund
Balanced Fund invests in a mixture of debt instruments and equity securities. A typical portfolio mix contains stocks, bonds and deposits.
How to Choose Mutual Funds for Beginners
I recommend taking your time in identifying which mutual fund is best for you. In my own experience, I chose equity because I was still young and my goal is long-term capital appreciation. In the next 20-30 years I have no intention in withdrawing my money.
If you are having a hard time choosing, I suggest answering the four questions below.
- What is your goal in opening the mutual fund?
- How much risks are you willing to take?
- How long can you stay invested?
- How much can I invest every month?
Then follow the comparison guide I gave. To access this be sure to join my mailing list.
Read Next: Where should I invest my money? – A Reader Question
Mutual Fund Fees and Expenses
Now mutual fund is all about entrusting your money to professional fund manager. Thus, there sure will be fund management services and administrative costs you need to watch out. These fees (though not that high) can still lower the return of your investment. There are asset management companies who will charge you if you redeem your mutual fund account within the first six months of investing. Applicable fees include, but not limited to the following:
- Sales Load – percentage paid for every purchase or sale of shares. The higher your investment is, the lower the sales load fee you need to pay.
- Exit Fee – percentage you need to pay when you redeem your investment. If you redeem within six months of opening your mutual fund account you will pay higher exit fee.
- Management Fee – an annual fee paid to the mutual fund company for the maintenance of your investment. This fee is applicable to all investors no matter how low or high your investment is.
What are the requirements and procedures needed when investing in mutual fund?
Prospectus which is required and filed with the Securities and Exchange Commission. This document provides details about an investment offering as well as facts that an investor need to make an investment decision.
Account Opening Form which is required to be filled up for your information and other personal reference.
Investment Risk Profiling Questionnaire which will know your investment risk profiles and match you with the right companies to invest with.
How investing in mutual fund work?
Here is a simple explanation on how mutual fund investing work.
First, investors with similar objective and risk profile invests in a mutual fund (equity, bond, money market or balanced, etc.),
Next, the investment will be pooled and taken care of by the mutual fund company,
Then, the Fund Manager will do the asset allocation, management of fund and everything in between. Mutual Funds do the trading (buying and selling) only on the closing price of the day. This means you can't really control how your money will turn out. The NAVPS (Net Asset Value Per Share) can only be determined at the end of the day.
Finally, the fund manager will look at the current assets, determine the value and divides its number to the total number of outstanding shares. Since you are in a mutual fund, you don't have direct control on the trading. The risks, gains and losses the fund will accumulate will be distributed proportionally to all investors.
How do I make money investing in mutual fund?
To recap, mutual fund is a type of investment vehicle wherein the investors' money is being pooled together with other group of investors and invested in objective-specific assets selected by the professional fund managers. This means that the return of your investment solely depend on the fund manager's selection and decision.
Mutual Fund doesn't give fixed return. Your returns will solely be based on the Net Asset Value Per Share (NAVPS) on the day you redeemed your investment. Let's do some Math, shall we?
In 2014 you invested P5000 on a mutual fund. The NAVPS at that time was 4.9.
Your Investment divided by NAVPS = Number of shares bought
So, 5000 divided 4.9 = 1,020 shares
Investment = Number of Shares x NAVPS of the day
Let's say the NAVPS today is 5.43
Investment = 1,020 x 5.43
Return of Investment = 5538.6
So your P5000 investment earned P538.60 in two years! An increase of 10.772%
To simply put, if on the day of your investment the NAVPS is lower than 4.9, you will incur a loss.
Can my money be lost in mutual fund?
Again with the simple formula above, if the market is down or your fund manager wasn't able to minimize the risk and loses of your shares then there is a big chance you will lose money on mutual fund. A mutual fund is good for beginners, but I do suggest not putting all your money in one basket. Try to diversify.
What if my current mutual fund is performing poorly? What can I do?
As a shareholder you have the right to change your fund manager. Try to come on shareholder's meeting and voice out your opinion. You can also redeem your investment and reinvest on another mutual fund type or even in a new mutual fund company instead.
How long will it take for my money to grow on mutual fund?
When it comes to mutual fund it is as always best to be invested in a long period of time. Based on this latest table, significant return will be felt at year 10 or longer. That's why you need to invest now.
Last year I was supposed to withdraw my money on my current mutual fund provider because I was losing around P2,500. But, remembering my why and thinking I still have a lot of years to be invested I decided not to push through. It turned out to be a good decision because as of August 2017 my mutual fund investment in FAMI- SALEF is gaining already! Even more than the amount I lost.
Where can I use my mutual fund investment?
As the risks involved when it comes to investing in mutual fund is lower compared to direct stock investment but higher than normal savings account, you can use the returns on any long-term financial goal. Use it as your retirement fund, education fund of your future kids or as a future house and lot fund perhaps. If you have existing investments already you can use it as a way of diversification.
Can I become rich investing in mutual fund? How?
Mutual Funds are generally a safe investment vehicle. How you will become rich depends solely on your investment strategy. There are four strategies you can do to maximize the potential of your passive investment in mutual fund.
- Invest in High-Yield Stock Funds
- DMCI Holdings, Inc.
- Aboitz Power
- Globe Telecom
- Cebu Pacific
- Meralco-Manila Electric
- Jolibee Foods Corporation
- SM Prime Holdings
- San Miguel Corporation
- Ayala Corporation
- Ayala Land Inc.
- Megaworld Corporation
- Invest in High-Yield Bond Funds
- Invest in Balanced Funds
What happens to my investments in mutual fund if I die?
As a deceased investor, your shares and it's final value will be part of your estate. Your shares will be distributed to your heirs (surviving parents if single, spouse and children in married). The gains when investing in mutual fund is exempted from tax based on the Comprehensive Tax Reform Program but, you still need to pay estate tax based on your acquired assets.
Name some mutual fund companies in the Philippines I should know about.
- ALFM Mutual Fund – Have the largest market share in the mutual funds industry in the Philippines. Offers six different fund types that meet various investment objectives. You can invest in several funds for a more diversified portfolio.
- ATR Kim Eng Asset Management – ATR Kim Eng has always been part of the top performing mutual funds in the Philippines. They are focused on capital raising (equity and debt), debt restructuring, financial advisory, mergers and direct equity investment. Currently ATR Kim Eng Asset Management offers seven mutual funds.
- First Metro Asset Management – FAMI was the very first financial company I trusted with my mutual fund investment. I read good reviews about the company and they are managed by Metrobank which is a long-standing reputable bank in the country. They offer five different mutual funds for investors.
- Philam Asset Management – This company is known for their life and general insurance but today its one of the leading asset and wealth managers in the Philippines. The company is known for its superior returns through active management, diversification and expertise. Philam plays a major role in the development of mutual fund in the country. They offer nine funds from different asset classes.
- Philequity Management – Philequity is an investment management company established to help achieve long-term financial objectives of investors by offering different mutual funds. It's Philequity Peso Bond and Dollar Income Fund are reognized as best performing bond funds under the 5-year category. They currently offer six different funds. You can read a guest post from a SavingsPinay reader about this fund : Philequity Dividend Yield Fund First Impression from Geli.
- Sun Life Financial – Sun Life offers the Sun Life Prosperity Fund which is known for its simplicity, accessibility, affordability and returns. Opening is only 5,000pesos and has proven higher potential returns. There are nine different funds you can choose from.
- Cocolife Asset Management – Cocolife is another company that offers mutual fund. Currently Cocolife Asset Management have three types of funds namely: United Fund Inc. which is an equity fund. Cocolife Fixed Income Fund which is a bon fund. Cocolife Dollar Fund Builder which is a growth and income- interest funds. All Cocolife funds seek to generate long-term total returns from interest income and capital growth by investing in a diversified portfolio.
- Soldivo Strategic Growth Fund – This is a very new fund for Filipinos. The fund is considered as moderate-to-high risk type and invests in shares of the companies listed in the primary and secondary boards of the Philippine Stock Exchange.
Tips On Investing in Mutual Fund
1. Choose Your Fund Manager Wisely
Because you don't have the freedom to select which stocks or bonds or securities to buy, the returns of your investment will be 100% dependent on your fund manager's selection and decision. Research on the track record of the fund manager. You can easily do this by examining how the fund performed for the past 5 to 10 years. It will also help if the fund existed for a long time and is recommended by others as well.
The Philippine Investment Fund Association or PIFA is a good resource link to know the different mutual funds in the Philippines. You can also check the latest fund performance on the PIFA Facts and Figures page.
2. Be informed
Research. Research. Research. Proper research can save you tons of money. Read blogs, financial books and ask others who have invested about their experience.
3. Monitor Your Investment Closely
Reviewing your portfolio on a weekly or monthly basis is important. You need to constantly monitor how well your investment is performing. Any slight change on the performance could mean a difference in your fund manager's investment strategy.
4. Read the Fund Prospectus
This document is very important. It gives all the information you need to know about the fund you are investing. The prospectus is found on the asset management company's website in a PDF form and usually easily accessible and downloadable. It serves as a legally binding contract between the fund and the fund holder that includes the following information:
- Investment Objectives
- Investment Strategies
- Risks Involved Investing in the Fund
- Fund Track Record
- Distribution Policy
- Fees and Expenses
- Fund Management
5. Be a conscious investor
It is as always safe to have your first investment in a fund that has been tried and tested. There are higher risks involved when it comes to investing on New Fund Offers.
6. Have Realistic Expectations
Your investment goals should not be based on assumptions. Investing in mutual fund though highly advantageous, does not guarantee fast returns. Adjust accordingly.
7. Create a Broad Portfolio Income
I highly suggest that you diversify your portfolio income by investing in different type of funds. A well-diversified portfolio on different classes, instruments and fund types can earn you the most favorable return in the long run.
8. Invest in a Fund You Know
Don't invest in a mutual fund that you don't understand. Always invest in a fund that has good track record and invest in a diversified portfolio that answers your goals as an investor. Forget about the names, rankings etc. What matters most is you know what you are doing. The more you understand the business of the asset management company you invested with, the more you can monitor and analyze your mutual fund investment.
Read Next: 10 Best Examples of Networking Scams in the Philippines
9. Secure Your Savings First Before Investing
Though Mutual Funds are considered safer parking lot of your money compared to direct stocks, it is still better if you have guaranteed savings first before investing. Mutual Funds can be an easy way to create a portfolio income but without savings your active income may suffer. Make sure that you have reserve money for real emergencies.
10. Invest Only with Your Surplus Money
Again, it is of high importance that you are able to keep a portion of your money on your savings before pushing the idea of investing. This way no matter what happens to your mutual fund investment you can still face the coming days, months and even year NOT empty handed.
11. Investing in Top-Performing Funds Does Not Guarantee Success
Last May, I shared a list of the Top-Performing Mutual Funds in the Philippines this 2017. However, please be fully aware that investing in top-performing funds does not usually guarantee success. With the current situation, a top-performing fund in 2017, maybe the worst fund in 2018 and may be on top again the following year. Take for example what happened to Security Bank's UITF. They performed so well in 2012-2014 and suddenly had a bad performance in 2015.
Final Notes from SavingsPinay
I hope this post answered everything you need and you want to know about investing in mutual fund. I have been investing in mutual fund for the past three years and counting and I can pretty much say that it turned out to be a good decision on my side. I am excited to see how my investment will change in the coming years. You can always find my newest investment update on my monthly recap and extra income reports.
Are you investing in mutual fund too?
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Izza of SavingsPinay helps Filipinos bridge the financial literacy gap one content at a time by providing insights and tips on budgeting, saving, investing, side hustle and growing your net worth. Aside from this blog she also writes at www.izzaglinofull.com, a beauty and lifestyle blog for frugal Pinays and manages, www.izzagevents.com, a wedding and event business since 2011. For inquiries, topic suggestions or future collaborations email her at email@example.com
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A Simple Fishing Sloop by kuriganAugust 19, 2013 posted by Darkdragon
Kurigan brings us a cute fishing ship with some small but amazing details including some nice custom sails. There are wonderful close up photos of all the details in the forum thread.
Discuss A Simple Fishing Sloop in the forum.


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Way 3: Don't be a Litterbug
Not only should you avoid leaving any of your gear behind, but you should also resist dumping any of your other belongings. Empty beer cans, lure packages and even gum wrappers spoil the environment, dirty the water and pose choking risks to wildlife.
The garbage left by a litterbug doesn't just impact the ecosystem; it makes your fishing spots unattractive and may lead landowners to close off the area to fishermen. Not to mention the fact that whatever trash fish eat, you end up eating, too. Mercury contamination from various sources of pollution is of such concern that the Environmental Protection Agency (EPA) and the Food and Drug Administration (FDA) have issued recommended limitations on the amount of fish and shellfish people eat.


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A new challenge started yesterday on the Cardz 4 Guyz Challenge and this week our theme is 'trees'. You can find all the details here on the challenge blog.
I started my card by reverse masking using a circle apeture with Vintage Photo Distress Ink - I used a circle punched out of a post-it note to mask off the moon.
I then die cut the circle and used a stamp called 'Forest' from Circa Design to stamp the main image.


text: ENBIO's SolarWhite lab has been refitted to meet the particulate requirements for an ISO Class 7 cleanroom. This unveiling marks the latest step in ENBIO's partnership with the European Space Agency to develop thermal control coatings for the Solar Orbiter mission in 2017. Solar White has been extensively tested at ESTEC (European Space Research and Technology Centre, Netherlands) and Airbus Space & Defence in Stevenage. The thermo-optical properties of the coating remains extremely stable even after thousands of equivalent-sun-hours and extreme temperature variations. The new facility will be used to qualify SolarWhite for mission usage over the coming months.


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Posts Tagged Wall Street
Alec Baldwin Declared "Greatest Living Hypocrite" by Guinness
Posted by dreadmonger in Humor, Politics on November 15, 2011
(Dreadmonger London Bureau) – Guinness World Records, Ltd. announced today in London that Alec Baldwin has been declared "World's Greatest Living hypocrite" for his recent string of scathing tweets associated with the Occupy Wall Street movement.
Baldwin has repeatedly declared his support for the movement centered in Zuccotti Park in New York City, despite the fact that he has been the long-time TV pitchman for Capital One Credit Cards, a division of Capital One Bank, N.A., one of the largest banking conglomerates in the U.S.
Tweeting today about Mayor Bloomberg's action to clear the park last night, Baldwin said, "Bloomberg's NY is no place for the 1st amendment. Bloomberg serves Wall Street, now and forever. And Wall Street cannot handle free speech."
Baldwin went on to say, "NYC bends over backwards 2 give costly tax breaks 2 corps that threaten 2 leave NY. Whether those corps create sufficient jobs or not."
Baldwin visited the Occupy Wall Street "Base Camp" in Zuccotti Park on October 18 to offer his support to loyal protesters. Baldwin was followed by chanting Ron Paul supporters and only stayed on site a short time.
Baldwin recently completed filming on his latest Capital One "Whats in your wallet?" commercial.
Sir Rudy Gilfalstone, Executive Managing Director of Awards for Guinness World Records, Ltd., told reporters from Dreadmonger that Baldwin was a natural pick for the award.
"As we have seen," said Sir Gilfalstone, "Mr. Baldwin has done a superb job of displaying his sputtering, righteous indignation at those who would give opposition to the Occupy Wall Street movement while at the same time, perfecting his smarmy delivery as chief credit card pitchman for one of the largest banks in the world. We see this as rather exquisite irony. Mr. Baldwin wins the 'World's Greatest Living Hypocrite' award hands down. Simply an epic performance. Marvelous, really."
"And, to be perfectly honest," said Sir Rudy, "we did not have anyone else who approached this expert level of hypocrisy. The only other person we looked at was Michael Moore. For obvious reasons, we chose not to go with Mr. Moore."
Dreadmonger will cover the Guinness Awards Ceremony pending the scheduling of that event.
Related articles
- Celebrity Supporters of Occupy Wall Street Tweet Their Disappointment After … – Fox News (foxnews.com)
- While Protesting At Occupy Wall Street, Alec Baldwin Actually Gave A Good Speech In Defense Of Capitalism (businessinsider.com)
- Hollywood Is NOT Happy About The Clearing Of Occupy Wall Street (perezhilton.com)
"Authentic" Protesters to Occupy Occupy Wall Street
Posted by dreadmonger in Humor, Politics on October 31, 2011
(Dreadmonger – Zuccotti Park) Saul (no last name given) is rallying his troops for a march on Zuccotti Park. Saul is the titular leader of a group dubbed the "Authentic" protesters who are launching their bid to occupy Occupy Wall Street.
"These guys," Saul told reporters from Dreadmonger this afternoon, "are totally bogus. I heard on NPR today that they have trademarked the name 'Occupy Wall Street'. Just look around you, man, look at all the bogus t-shirts. Somebody's cashing in here. We're going to put a stop to these materialistic pigs. We are going to occupy Occupy Wall Street!"
It seems that Saul, and his band of a dozen or so supporters, are out to make sure the protesters in Zucotti Park are genuine in their intentions and not just showing up to cash in on the movement's newly found success in attracting media attention.
"This started out as a sincere movement," Saul said, "but, now, it's all about making a buck on the coat tails of the people who originally came down here to express an idea. To bring unity to the under-represented 99% of America. Now, it's all about pre-printed signs and silk-screened t-shirts and trademarks, for crying out loud. And Alec Baldwin. Give me a break – guy is on TV hawking Capital One credit cards. He's coming down here to get on Entertainment Tonight. Him and that fat guy that makes all the documentaries. He seems to show up whenever there's free stew."
"So, our mission," Saul continued, "is to occupy the occupiers. To get them out of our protest. Maybe they can go protest down at Times Square or someplace where they can get better media coverage for their new t-shirt designs."
Dreadmonger will provide updates as the "Authentic" protesters launch their occupation.
Related articles
- Is NYPD Sending Drunk Homeless People to Occupy Wall Street? [Occupy Wall Street] (gawker.com)
- Occupy Wall Street applies for trademark (money.cnn.com)
- 'Occupy This': the Other Occupy Wall Street Trademark [Occupy Wall Street] (gawker.com)
- The Best Halloween Costumes At Occupy Wall Street (huffingtonpost.com)
"Cop Car Pooping Wimps" – Greek Protesters Denounce Occupy Wall Street
Posted by dreadmonger in Humor, Politics on October 20, 2011
(Dreadmonger Mediterranean Bureau) Greek protesters today decried the Occupy Wall Street protesters as "cop car pooping wimps."
Constantine X, who made the charge speaking on behalf of Greek anarchists, went on to say, "These soft-bellied Americans do not have the stomach for real protest. My goodness, sleeping in the park. How naughty these rebels are!"
Aristarchos (no last name), a spokesman for the Greek communist protesters, added, "These people in the Wall Street are wearing their bunny slippers and pooping on police cars while we here in Athens are risking our lives daily to demonstrate our commitment to save our people from this oppressive regime of capitalist Euro-trash. Did you see the brick I just threw at that policeman? Just look at YouTube and you will see me. These Americans don't know the first thing about protest. Even the Italians know how to burn a car or two."
"Yah," continued Constantine X, "these American sissies should have another latte and go home to watch Oprah on TV. This is the real center of global protest, here in Athens. We anarchists are defending the rights of all Greeks against real oppression."
Aristarchos added, "It's true. Even these good Greek anarchists are not as wimpy as these American 'Occupy' people with their iPads in their sleeping bags."
"What do you mean, 'wimpy'?" asked Constantine X.
"I mean," continued Aristarchos, "everyone knows the real strength here in the streets has been with the communists. You anarchists are soft compared to the sacrifices we communists have made during the many months our protest has endured. You guys only come out on sunny days. When it was raining all last week, there was not a single anarchist in sight. Probably home watching Oprah!"
"Your protest? Is that the way it is?" replied Constantine X. "I saw you last week taking a Starbucks break with your girlfriend at a little out-of-the-way place where the press corps hangs out. Probably getting your girl to apply your make-up for your next YouTube video."
"Anarchist bastard!" said Aristarchos.
"Communist bitch!" replied Constantine X.
At this point Dreadmonger reporters were forced to abruptly end the interview due to the unavailability of Messrs Constantine X and Aristarchos.
Dreadmonger will continue to provide updates to the protests on Wall Street and in Athens as news develops.
Related articles
- Occupy Wall Street becomes NYC tourist stop (sfgate.com)
- Jon Stewart: Are We Expecting Too Much From Occupy Wall Street? [Video] (gawker.com)
- Occupy Wall Street roundup, Day 33 (dailykos.com)
Occupy Wall Street Gains Support of Obama Administration (and Others)
Posted by dreadmonger in Humor, Politics on October 18, 2011
(Dreadmonger – Zucotti Park – NY) Occupy Wall Street has gained the support of several key interest groups in the past week and it looks as if the Obama Administration is starting to take notice.
Just some of the groups who have announced their support of the movement in recent days:
American Nazi Party (ANP)
Communist Party USA (CPU)
Senator Russ Feingold
Mohammad Ezzeldin, Egyptian Protest Advocate
House Minority Leader Nancy Pelosi
Van Jones, the Obama Administrations former "Green Jobs Czar"
Congressman Barney Frank (D-NY)
Jim Lane, leader of the Communist Party USA
Iran Mullah Ayatollah Seyyed Ali Khamenei
Speaking of the protest movement, Senior White House Advisor, and head of President Obama's re-election campaign, David Plouffe recently told Washington Post reporters, "We intend to make it one of the central elements of the campaign next year."
Vice President Joe Biden, speaking of Occupy Wall Street, said, "The American people do not think the system is fair or on the level."
President Obama himself has said of the movement, "I think it expresses the frustrations the American people feel, that we had the biggest financial crisis since the Great Depression, huge collateral damage all throughout the country … and yet you're still seeing some of the same folks who acted irresponsibly trying to fight efforts to crack down on the abusive practices that got us into this in the first place…"
President Hugo Chavez of Venezuela, still recovering from a recent surgery, recently addressed the demonstrators via Venezuela State TV. In response to President Chavez's message, crowds at the New York protests erupted with cheers of joy, raising a giant hammer and sickle in victory. President Chavez said, "This movement of popular outrage is expanding to 10 cities and the repression is horrible, I don't know how many are in prison now."
As the movement gains momentum, it is attracting celebrity activists. Kanye West , Michael Moore, Roseanne Barr, Tim Robbins, and Al Sharpton were among those who took time out to visit with protesters in Zucotti Park.
As the president continues his bus tour of North Carolina and Virgina, he is subject to criticism about his credibility on the issue of Wall Street. "The president is vacuuming money out of Wall Street," said North Carolina GOP chairman Robin Hayes. Hayes made reference to the president's campaign fund-raising machine which continues to receive millions of dollars from financial firms.
Virginia GOP chairman Pat Mullins added, "You've got to wonder why any leader of the free world would condone this kind of thing or even encourage it," he said, noting that protesters continued to clash with New York policemen daily.
Dreadmonger will provide updates as the story develops.
Related articles
- Politicians React To Occupy Wall Street Movement (huffingtonpost.com)
- Nazi and Communist Parties Back Occupy Wall Street Protesters (inquisitr.com)
- Pat Robertson: President Obama Is Inciting Occupy Wall Street Protestors To 'Revolt' (mediaite.com)
- Should Obama Endorse Occupy Wall Street? (usnews.com)
Harry Reid Sentences Millionaire's to 'Occupy Wall Street'
Posted by dreadmonger in Humor, Politics on October 4, 2011
Senate Majority Leader Harry Reid (D-Nev.) announced today that he and his Democratic colleagues in the Senate would put forth a new proposal to pay for President Obama's American Jobs Act bill. Their latest proposal, which will be released in its entirety by week's end, places a greater tax burden on people whose income is more than $1 million a year. The version of the proposal outlined by Leader Reid today would have these wealthy individuals forfeit all of their assets and income and join the Occupy Wall Street protesters for a period of at least six months.
"We think that this accomplishes two of our main goals," said Leader Reid. "First, it provides a mechanism for these millionaires to finally pay their fair share and second, it gives them the opportunity to live on the street amongst those individuals in our society who are suffering as a direct result of their financial misdeeds. We see this as fiscally prudent. And, it provides an element of poetic justice."
Top Senate aides said that, under the proposal, millionaires would be required to actually live on Wall Street, make signs, and participate in the daily demonstrations conducted by the Occupy Wall Street protestors for a minimum of six months.
Aides went on to say that this was just one of several proposals that Democrats were pursuing to pay for the president's proposed bill. By looking for alternatives, the Democrats are clearly signalling that they do not have the support of their caucus to pass the bill as it is currently written.
President Obama has asked the congressional super committee to identify another $ half trillion in savings to pay for the jobs measure. This is beyond the $1.2 trillion in spending reductions the committee is chartered with finding in support of the deficit reduction plan.
To pay for the proposal, the White House has recommended limiting itemized deductions for individuals making more than $200,000 a year along with closing certain tax loop-holes and implementing the "Buffett Rule" for an increase in capital gains tax rates.
Senate Majority Leader Harry Reid will introduce his "millionaire's plan" as an alternative aimed at addressing concerns raised by his caucus with the president's proposal.
"We believe our "millionaire's plan" offers financial benefits along with a generous helping of American justice. We think this will be popular with the American people and we believe that these guys will fit right in down there at Occupy Wall Street."
Dreadmonger will provide updates to the story as they become available.
Related articles
- Protest time: Support the Occupy Wall Street movement and a new American Spring (thehill.com)
- The most powerful Occupy Wall Street twitpics (cbsnews.com)
- Kristof: 'Occupy Wall Street' Needs Clear Goals (littlegreenfootballs.com)
"New Recession" Mocks "Old Recession"
Posted by dreadmonger in Finance, Humor on September 3, 2011
Zero jobs for August reported in Friday's monthly jobs report has economists concerned that the U.S. economy may be entering into a second recession. The economy grew at a rate of 0.7 percent in the first half of 2011, marking the lowest rate of growth since the "Old Recession" ended in June 2009.
The Obama administration estimated Thursday that unemployment will average about 9 percent through next year. This compares to a rate of 7.8 percent when Obama took office. Lagging job growth has prompted some economists to believe the economy is headed into a "New recession".
Hank Paulson, former Secretary of the Treasury under George W. Bush, spoke with Dreadmonger reporters today. "We just don't think there is a new recession brewing, and, if there is, we don't believe it will compare to what we went through in 2008 during the Great Recession."
Yale economist and consultant to Dreadmonger, Dr. Paul Grunder indicated that he believed "This 'New Recession' as we have termed it, will exceed the depths seen in the so-called "Great Recession' of 2008. We firmly believe that we have already entered a recessionary period and that it will be deep and protracted."
In response, Secretary Paulson said, "There are some who, in trying to be ahead of some ill-conceived 'curve' of economic opinion, will say that we have entered into a recessionary environment. In reality, we are far from the state of affairs we saw in 2008 that precipitated what all will agree to be the most difficult economic challenge this country has faced since the 'Great Depression'. And that is precisely why we have dubbed this period the "Great Recession'."
Dr. Grunder replied, "The self-aggrandizement evident in the characterization and handling of the 2008 downturn spawned a media circus and unnecessary fear-mongering that did nothing but prolong this period of weakness in the U.S. economy."
"'Period of weakness?'" Paulson replied, "That's the most ridiculous understatement I have ever heard. The economy was teetering on the edge of oblivion and we pulled it back. Through herculean efforts, I might add."
"These so-called 'herculean efforts' that some have cited," said Dr. Grunder, "were merely exaggerated fluff for media consumption, no doubt prompted by some of the principal's literary agents."
"See this…" said Mr. Paulson, making a rude gesture, "this is where this Yale professor can stick his 'exaggerated fluff'."
Dr. Grunder responded, "Well, I guess that demeanor is good for ex-Wall Street execs attempting to sell books but, I don't believe it adds much to the real and substantive discussion that is being undertaken by serious economists in this tenuous environment."
Dreadmonger is unable to print Mr. Paulson's response in this family friendly publication.
Related articles
- Double Dip Recession Or Year 5 Of 2007 Recession? (ritholtz.com)
- Recession? No. We're In The Second Great Contraction (businessinsider.com)
- Questions and answers about the August jobs report (sfgate.com)


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Window Tinting Casa de Oro-Mount Helix CA – Professional Car Tint Casa de Oro-Mount Helix CA
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The security and integrity of DoD electronic systems is challenged by the presence of counterfeit integrated circuits (ICs) in the supply chain. Counterfeiters use a variety of easy and inexpensive techniques to recycle discarded ICs, alter them, and reintroduce them to the supply chain for profit. These parts have questionable reliability and may not function as specified. The failure of a fielded DoD system due to the presence of a counterfeit IC can jeopardize the success of a mission and put lives at risk.
The goal of DARPA's SHIELD program is to eliminate counterfeit integrated circuits from the electronics supply chain by making counterfeiting too complex and time-consuming to be cost effective. SHIELD aims to combine NSA-level encryption, sensors, near-field power and communications into a microscopic-scale chip capable of being inserted into the packaging of an integrated circuit. The 100 micrometer x 100 micrometer "dielet" will act as a hardware root of trust, detecting any attempt to access or reverse engineer the dielet. Authentication of the IC will be achieved through the use of an external probe that can provide power to the dielet, establish a secure link between the dielet and a server as well as verify the provenance of the IC.
The SHIELD dielet design incorporates passive, unpowered sensors capable of capturing attempts to image, de-solder, de-lid or image the IC; mechanical processes that make the dielet fragile and prevent intact removal from its package; a full encryption engine and advanced near-field technology to power and communicate with the dielet.
The SHIELD program consists of three phases. The first phase includes research and development efforts for the technologies to be implemented on the dielet. In the second phase, performers are required to design and manufacture the dielet. The final phase of the program seeks to demonstrate the SHIELD concept of operation in an electronics supply-chain environment.
You are now leaving the DARPA.mil website that is under the control and
management of DARPA. The appearance of hyperlinks does not constitute
endorsement by DARPA of non-U.S. Government sites or the information,
products, or services contained therein. Although DARPA may or may not
use these sites as additional distribution channels for Department of
Defense information, it does not exercise editorial control over all of
the information that you may find at these locations. Such links are
provided consistent with the stated purpose of this website.
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If you're in central London next Wednesday evening (15 July, 6-9pm), you're warmly invited to attend the signing event for my new book, Music For Grown-Ups.
I'll be signing copies from the special numbered limited edition; Music For Grown-Ups is not available from High St bookshops.
The evening is hosted by Amuti, the specialist collectable and book dealer, at its delightful gallery/shop near King's Cross/St Pancras/Euston railway stations.
I'll be giving a short talk about music for grown-ups, before enjoying a drink with the audience.
You'll be able to marvel at Amuti's unique selection of music-related rare books and collectables.
If you manage to make it, please ensure that you ID yourself to me as a reader of this website – I look forward to seeing you next Wednesday!
Gerry Smith
Tags: Amuti, Music For Grown-Ups book


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Behind the Scenes: A Little Party Never Killed Nobody
By Kellie Groover
First, a little Focus Lab history for you. For three years, resident photographer Alicja Colon has requested that our next Focus Lab team activity be a murder mystery dinner show. 2015 was her year.
We finally conceded, but with a twist: we'd buy the game and put it on ourselves, with the team as the "actors" and the killer gasp among us.
Naturally, we went to the interwebs and asked for suggestions for great at-home murder mystery dinner parties, and came across DinnerAndAMurder.com, where we purchased the 1920s prohibition era, gangster themed "Murder at the Four Deuces." It was reasonably priced, and-bonus-they were available to chat if you had any questions about the game. Needless to say, Mary, the proprietor, and I are tight now, since I called her at least three or four times. As Chief Happiness Officer, my job, in this case, was putting on a murder mystery dinner… correctly.
The night of the party arrived and so did our dapper Focus Lab gangster crew. Our "Lab One" office was covered with lots of white, black, gold, and silver accents. All things sparkly were in excess, but the best decoration was our well-dressed team. Everyone got into character and the night was a complete riot. We had such a great time.. some of the superlatives of the evening included: Best Performer, Summer as Madam Meme; True Detective, Sam as Inspector Nutella; Best Dressed, Shub as Mary Toosteal; and Best Death, Erik as Jack "Greasy Thumbs" Guiseppi. I think there was also a superlative to whomever had the most cash at the end of the game, which went to Alex as Rhett Bumbler (what a crook, he totally swindled me over at the card table). I won't spoil the surprise if you end up purchasing this game, I'll let the pictures speak for themselves. Enjoy!
Here's Jack "Greasy Thumbs" Guiseppi (the Accountant) pushing some numbers, obviously.
At the head of the table are our lovely hosts for the evening, Don Wannabe and Madam Meme. Thank you for the invitation to the grand opening of your new club!
The Senator's wife, Mary Toosteal and the Four Deuces' bartender, Tom Hops, stop for a quick pic. Where's the senator, Ms. Toosteal?
Oh, here he is... hanging out with the recently divorced Vicky Ravioli... scandalous...
The inspector stops by for a quick smoke and a drink.
Mary Toosteal and Madam Meme having a lovely conversation. What could they be plotting..?
Leader of the Black Hand Gang, Cash Steal, and his wife, Cassandra, show up to the Four Deuces for a drink and to mingle with the "right" crowd.
Little bit of card play happening near the bar. Watch out for Rhett Bumbler and Sly Sleaze though…
Oh, there was a murder? Let's have dinner.
The Baroness and Al Capone seem to be having a serious conversation, with Rebecca Ravioli listening in close by.
What could Mayor "Big Bill" Bumpkin and Hobart T. King be discussing? Funding Hobart's new western flick?
You can trust this face, right?
Bootlegger Henry Hooch surely must be looking for some financial backing…
This looks like a legit conversation. Nothing to see here.
The inspector presents the evidence, post dinner.
Tragically, the accountant is the second to be murdered. His wife, Guilda Guiseppi, is visibly distressed.
Things are getting real at the Four Deuces...
Well, if you're gonna go... do it in style. Don Wannabe is the third to get the ax.
And the Academy Award for Best Actress in a drama/comedy goes to his newly widowed wife, Madam Meme.
Al Capone's got you covered, Meme.
No worries, Meme, It looks like Tom Hops has you well taken care of, also.
"You never count your money... when you're sitting at the table..."
The Mayor knows.
Make Some Noise


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Watch: Vogue's Anna Wintour on the Best Moments of New York Fashion Week
If you thought this was a subdued New York Fashion Week, perhaps you didn't look close enough. Vogue editor in chief Anna Wintour found a lot to be excited about. In the video here, she calls out the weeks top highlights and shows, both from the fashion establishment and the small, but mighty emerging designers.
Filmed by Nikolai Kokanovic
More from vogue.com


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The phone was jangling insistently about 3 o'clock a few mornings ago and, like the carefree fool I am, I answered it.
Silly me.
Whenever the phone rings any time between midnight and 3 a.m., I already know who's on the other end of the line. It's invariably my old '60s sidekick, Sapper.
Forever lost in the Age of Aquarius after ingesting some unidentified herbs near Bolinas in 1968, Sapper has sure-fire solutions to virtually any problem you might have (and for several that you probably don't have and never will have…).
Unfortunately, Sapper never communicates his brainstorms during daylight hours. Or even twilight hours. Until midnight, Sapper's quieter than bleached bones in the Arizona desert.
Sapper's most recent pre-dawn call concerned international crime … and koalas.
"Wake up, bro. America's security has a huge gap in it and nobody's doin' nothing about it," he intoned ominously.
Through exhaustive research – apparently involving information printed inside Snapple bottle caps – Sapper had determined that only two mammals have uniquely identifiable fingerprints. One of them is, of course, man. The other is the cute, cuddly little koala.
"Every time you turn around these days, somebody's sneakin' up on you with a fingerprint card – FBI, CIA, CHP, AFL-CIO, B.P.O.E., VSOP – just spit out some letters and you can bet they'll want to have your prints filed away somewhere," Sapper continued, picking up speed. "You can't even get drunk in public anymore with gettin' fingerprinted – an' you know how hard it is to find all your fingers after a three-day drunk.
But nobody's fingerprintin' koalas. They're all cute and fuzzy and sleepy-eyed, but they've got fingerprints an' we aren't even tryin' to get 'em," Sapper complained. "Who knows how many koalas are skulkin' around our borders right now, thinkin' their dark, chaotic koala thoughts? There could be a dozen of 'em stockpiling weapons of mass destruction in someplace like Gridley right now and we'd never know. They could leave their greasy little fingerprints all over a big stack o' dynamite and we wouldn't have an ice cube's chance in hell of trackin' 'em down because we never fingerprint koalas!"
So profound were Sapper's revelations that I was struck momentarily speechless. Sapper, on the other hand, is never speechless, momentarily or otherwise.
"Everybody thinks they're so adorable and they call 'em koala bears. Balderdash! They're not bears, they're sneaky little marsupials," Sapper pointed out. "You ever meet a marsupial you could trust? I think not, bro. And now they're overrunning the free world and they don't even have to get driver licenses. We've got a big, black security hole starin' us right in the face!"
Unfingerprinted marsupials without driver licenses? I had to admit that was a problem I'd never considered before."I'm on it, amigo," I replied in my best can-do voice, milliseconds before lobbing the telephone receiver into the bedroom hallway…
Originally published December 14, 2003


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United Methodist Women (UMW)
The organized unit United Methodist Women shall be a community of women whose PURPOSE is to know God and to experience freedom as whole persons through Jesus Christ; to develop a creative, supportive fellowship; and to expand concepts of mission through participation in the global ministries of the Church.
Our main purpose as United Methodist Women is to be mission-oriented, both locally and worldwide. UMW meets on the second Wednesday of the month, at 10:00 a.m. in the Social Hall. Craft workshops are held on the other Wednesdays, at 10 a.m. in the Social Hall. We have programs which encompass mission education, spiritual growth, and social action, with a focus on the needs of all members of the community. Our programs vary from meeting to meeting to include subject matter speakers and individual missions presentations.
Yearly events include the spring plant sale and the fall craft sale, in conjunction with the UMM's yard sale and kids' activities. These events are fundraisers for mission donations. UMW donates monies to a variety of local charities and global causes, as well as helping to defray expenses for church and parsonage needs. Additional mission funds are raised by the UMW's catering team, which provides and serves dinners for retired teachers' groups, funerals, and other requested events.
All women of St. Matthias are welcomed as UMW members. UMW participates through giving, prayer, study, action, and service.
Feel free to contact any of the officers below for information or if you wish to give a presentation.
Mary Ella Fuquay President
Dottie Prater Vice President
Sherry King Secretary
Ruth Payne Treasurer


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Odessa Motorcycle Accident Attorney
Twice Selected for Texas Super Lawyers® Rising Stars℠
There seems to be a collective, social opinion that believes that motorcycle riders are reckless by nature, but the truth is that many motorcycle accidents are not caused in part of the rider at all. Insurance companies may choose to ignore the evidence and suggest that a motorcycle rider is always the cause of an accident by virtue of their choice of transportation and the unfair social stereotype. Negligent, careless, or even intoxicated drivers can injure motorcyclists by swerving out of their lanes, failing to check their mirrors or blind spots for anything that is not another automobile, or opening their doors at random times.
If you have been hurt while riding your motorcycle, it should be time for you to start preparing a civil lawsuit against the negligent party. Odessa Motorcycle Accident Attorney Mason Herring of Herring Law Firm can help you review your claim, determine liability, and prepare your case for court, if it comes down to it. Get your free consultation today and ask about his contingency fee agreements – no recovery, no fee!
Full Recovery Costs More and More
Motorcycles do not provide their riders any serious means of protection like the frame of a car does. It should go without saying then that a rider is more likely to experience serious injury after a traffic collision, even at slow speeds. Insurance providers seemingly do not understand this logical conclusion, and they continue to offer the smallest amount of recovery settlements as possible, if they offer anything at all.
One of the ground rules of personal injury cases and motorcycle accidents is to never accept an initial offer right away without first talking to your attorney. It is most likely going to be a minimal amount that barely covers initial medical costs. It will not take into consideration other bills and fees you are sure to encounter as your recuperation progresses.
Your recovery should help you pay for:
- Upfront and emergency costs
- Hospital occupation bills
- Ongoing rehabilitation treatments
- Motorcycle repair or replacement
- Lost wages as you heal
- Reduced earning potential
Injuries caused in a motorcycle accident that may need extensive treatment include:
- Brain injuries
- Spinal cord damage
- Broken bones
- Internal bleeding
- Lacerations
- Disfigurement
Personal Injury Lawyer in Odessa Leading the Way
Navigating litigation and lawsuits after being hurt in a motorcycle accident can be more than troublesome for a person trying to rest and recover. Allow Attorney Herring and his dedicated staff at his law firm take up and manage your case from start to finish. Know that you are in good hands from day one, and find peace of mind thanks to his commitment to keeping you up to speed and in the loop. When you want personalized and professional legal representation, you want Attorney Herring.
Dial locally at (888) 470-2876 for a free consultation today.


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Did you know that one effect of a deeper new wall cavity is the additional footprint area required for roof and floor?
On a large building site this may affect the density or number of properties that could be built on the site, e.g. in the worst case, 4.00 m2 extra on the roof area for each property may mean that only 9 properties could be fitted in an area that may be able to accommodate 10 if the external walls were thinner.


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If you want to explore the Psalms and their impact on your time with God, this resource is an asset. It will help you through the 'divinely inspired devotional' book of Psalms while helping you form thoughts and prayers that will bring you closer to God.
The Songs of Jesus: A Year of Daily Devotions in the Psalms (New York, NY: Viking, 2015)


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The Best Value, Best program, The Best of The Best Online Marketing Systems
There are literally over hundreds of online marketing systems out there. How do I know which one is right for me? How do I know which is legit and not a scam? With no Internet Marketing or business experience, the biggest question is, can I really go it alone?
How Do I Know Which is Right For Me?
To answer that question it is best to know the underlying businesses model for any online marketing system you are looking into and how that fits into your personality, strengths, and goals.
3 Main Underlying Business Models
- MLMs-Milti-Level Marketing or Network Marketing
- Affiliate Marketing-Selling someone one else's product or service
- Create your own business model/product or service
What I have learned in my years of experience as a business owner, is that one is not inherently better than the other, what matters is the match between yourself and the underlying business model.
For example, within MLMs if you have no desire to recruit others or lead a team, than the odds are against you becoming a top earner in that company. Whereas if you like your independence but still like community then affiliate marketing may be a better fit. The 3rd option I do not recommend for beginners. It is the most independent and had the most freedom, but is also the most difficult(without experience that is).
How do I know which is legit and not a scam?
Ok, so you have chosen a business model that suits you best….and still there remains hundreds of programs to choose from. Which one can you trust? Which one is legit and not a scam? Which one is truly worth the value of any money or time you put towards it?
These are the questions this page is all about. I will continue to search high and low for the best of the best and make sure you stay away from the worst. I will grade each company according to these areas:
- Type of underlying business model
- Initial/Upfront Cost for Membership/Blog/Website
- Does the program/company have any other upsales
- How is the training platform
- Customer Support
Can I really go this alone?
If you are new to the world of internet or online marketing I would recommend, NO, to that question. I would find a mentor or a group of other like minded individuals who can encourage and guide you along the way. After hours and hours of searching I stumbled on to a place just like that.
Wealthy Affiliate provides not only a step-by-step training platform for the beginnings, middle, and end(if there is one) to online marketing, but also a community of like minded individuals. This community provides a crowd sourcing like no other when it comes to learning all things online marketing. If you would like to learn more about Wealthy Affiliate, click here.


text: Funny Animal Picture Thread! Jul 6, 2006 14:08:20 GMT -5 Quote Select PostDeselect PostLink to PostMemberGive GiftBack to Top Post by Saar°berry on Jul 6, 2006 14:08:20 GMT -5 :doll:We have one running in the Tori section [you post a picture and add a funny capture], thought to start a new one for animals...We have done this in the past, so I hope everyone will play!! One rule: Do not post any hurtful pictures, jokes need to be tasteful.Dead animals are no jokes.----------------------------------------------------Here we go:AAAAAAAAAAAAAAAAAA DON'T PULL MY HAIR!!!What do you mean, I look like a poodle?Are you my daddy?Oww you show off!!!! I muuuuust geeeeeeettttt thiiiiissss coooookiieeeeeee...*imitating Titanic*Hi!! Nice to meet you!!Aww come 'ere on my sofa, bro and tell me all your secrets!Damn, I need to work hard for my salary!Heeey fools, I'm not gonna grow, you know?!!! AAAAAAAAAAARGH!!! I nearly was there!!!Heeeeey... is this your kid?Yellow there... you have a yummy finger!! Pweease be my fjieeend! Here here, don't cry!!Reason for Editting: argh, stupid me!!


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Recruiter at Laserfiche
Use your interpersonal skills to source and recruit talented college grads from around the world for a growing high-tech company.
We are looking for a dynamic individual who can quickly assess our staffing needs and locate the perfect candidates for our US and international offices. You are resourceful, personable and assertive. You are intuitive and have a natural instinct for interpreting a candidate's skills and determining the best fit within the organization. You are persuasive and have the ability to engage candidates, sparking their interest in joining our team. We are looking for someone who can put their energy and enthusiasm to work at college campuses across the country!
Responsibilities Include:
- Source candidates for positions as diverse as software engineering, sales & marketing, and operations/administrative support for our U.S. offices
- Interview candidates to determine skill sets and career goals
- Attend college career fairs across the U.S.
- Research and develop innovative strategies to recruit top talent
- Develop position descriptions
- Maintain job postings on several online job boards
What You'll Need:
- Bachelor's Degree
- Up to 3 years of recruiting experience
- Ability to travel to attend career fairs
- Ability to work flexible hours when needed to accommodate university recruiting activities
- Excellent communication skills
- Must possess a strong sense of urgency with ability to juggle multiple positions and placements
- Strong PC skills—knowledge of Microsoft Word, Excel
- Strong interest in technology
- Basic programming experience/computer science knowledge a plus
Click here to learn more about Life at Laserfiche
Laserfiche complies with all Equal Opportunity and Affirmative Action regulations. Laserfiche makes all employment decisions – such as recruiting, hiring, training, promotion, compensation, professional development practices, discipline and termination – without regard to race, religion, color, national origin, ancestry, citizenship, sex, pregnancy, age, creed, physical or mental disability, medical condition, genetic characteristic, marital status, veteran status, gender identity/expression, sexual orientation or any other characteristic protected by law, except as may be permitted by law.
***Please note that this is NOT a remote role***


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Finlay & Co
Finlay & Co. is an iconic British eyewear brand with a difference. Best known for their wooden sunglasses, Finlay & Co. was founded in 2012 by four friends with an aspiration to draw out people's individuality by designing eyewear which is unique, desirable and wearable. All Finlay & co. sunglasses are handcrafted using up to 32 stages of intricate craftsmanship. Made only from the finest materials, using either sustainable hardwoods or Italian Mazzucchelli acetate; Finlay & Co. frames are strong, durable and luxurious in finish.
Unfortunately we do not currently stock the Finlay & Co collection at Wolf & Badger. Please click here to browse designers currently in-stock.


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Hello, I'm Dan, Candy's husband and I am going to be doing occasional guest posts on here to give you a slightly different insight into some of the stuff we get up to. For my first post I am going to talk about reading.
I really love reading, and I used to read quite a lot. However, as a working adult it is pretty hard to find time to do all of the things you want to do and reading was one of the first ones of these that fell away, quickly condemned to the "not enough time" pile. Fortunately this story has a happy ending. Both Candy and I were sad that we couldn't seem to find the time to read until we came upon a great solution. In our respective childhoods we used to read a lot in bed, before going to sleep. This stopped for both of us initially due to working late during university and subsequently because browsing the web on our smartphones in bed was just so easy. We made a couple of resolutions to have a little reading slot before bed, but the instant gratification from browsing the internet usually ruined these resolutions pretty quickly. Finally however we came upon a great solution, we could read out loud to each other. This solved the problem of distractions as well being a really fun "couple activity".
Initially we tried alternating who read each night but it felt a bit disjointed so now we alternate by book, the person whose turn it is to read gets to choose the book. Currently Candy is reading one of her favourite books to me, Wise Children by Angela Carter. I've been really enjoying it, Angela Carter's descriptive flair is mesmerising and her characters feel so alive, helped, of course by Candy's narration. Once we've finished that one, I'm going to read Middlesex by Jeffrey Eugenides out loud to her, which neither of us have read but it looks really good.
This is Dan's first guest post on my blog, so please show him a bit of love in the comments. Not too much love though - I'll be watching you.


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For the most part, New Jerseyans don't think of the state as a major military location. But they'd be wrong. The United States military is the second largest employer in the state with 45,631 people directly employed at military installations. These workers add $3.8 billion to the state's gross domestic product. And that's only the direct employees. A state task force estimates that the military contributes 27,603 indirect jobs and in total delivers $9.6 billion to the state GDP.
Most jobs are located at the Joint Base McGuire-Dix-Lakehurst – the only base in the country that houses all four branches of the military. The Joint Base employs 35,395 people. The Picatinny Arsenal, which develops new guns and ammunition for all branches of the military, employs 5,196. The Air (2,376), Army (1,641) and Coast Guard (728) have the bulk of the rest of the military workforce in the Garden State.


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If you grew up in the 90s, we're willing to bet our bottom dollar that you wore a fair few accessories. Jewelled hair, necks and skin; it was all happening.
See: '90s Fashion – Trends We All Rocked
Get ready to hop, skip and jump down memory lane, as we take you through a list of some of the most memorable accessories to spring up through the 90s and the early 00s.
More was always more, you know.
1. Butterfly clips
Buffy the Vampire Slayer was just one of the culprits that sparked this hairvolution.
It was all about dividing your hair into five sections and pinning around the hairline.
2. Jelly shoes
And not just the classic ones you'll find in the shops these days. The '90s held a whole treasue trove of colours, styles and heel heights.
If your mum let you wear the high ones, you were lucky.
3. Mood rings
According to these babies, we were in a constant transition between feeling romantic, lovable and stressed.
And did anyone elses get stuck on one colour?
4. Friendship necklaces
Because bracelets just wouldn't cut it.
5. Butterfly slides
Butterflies were just the 'in' thing. And, thanks to this spring addition, these little critters gave the illusion of flying around your head.
Or something.
6. Tattoo chokers
En vogue once again, we just can't get enough.
Back in the day it was all about stacking as many colours as you could fit around your neck.
7. Clown charms
On the thickest gold chain available.
Probably from Argos.
8. Dummy necklaces
One for the aspiring ravers.
9. Hologram necklaces
Layered with a black velvet choker for the ultimate in '90s chic.
10. Multi-coloured bracelets
Bought from the market on your family holiday to Greece.
11. Jelly bands
AKA we-all-know-what-we-called-them bands.
12. Kickers
The only acceptable school shoes at the time.
You'd pick them off the shelf before you'd even had your feet measured in Clarks.
13. Snap bands
Doubling up as a ruler.
Who says fashion isn't practical?
14. Tattoo transfers
You'd save the best one (the butterfly with glittery wings, obvs) for the school disco.
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Well, you needed to secure that slow dance somehow, right?
15. Ying and yang everything
We don't really know why.
16. Zig zag hair bands
If you were one of the cool kids, yours was clear and glittery.
17. Tiffany's heart charm
Whether a necklace or a bracelet, every secondary school girl wanted one of these…
And we still do, to be honest.
Images: Tumblr / Ebay / Pinterest


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I am part of an art exhibition that a group of us second year Bachelor of Visual Art students from NMIT are holding on 8-11 June 2017. I will be exhibiting part of my falconry series I did in December 2016.
Epitome …… a thing representing something else in miniature.
Epitome is an illustration based group art exhibition featuring second year Bachelor of Visual Art students Bowie Clark, Galoyan Newport, Nadia Ryan and Penny Royal, with guest artist Annabelle Archibald.
Epitome is also a fundraising event for the SPCA, with a gold coin entry donation and 10% of sales of artwork, all going to help animals in our local community.
The opening night will be on Thursday 8th June from 6.30pm until 8.30pm at the G Space Gallery in the G Block at NMIT Nelson Campus, and promises to be an illustrative evening filled with creativity, food and drink.
Further details can be found on their Facebook Event 'Epitome Exhibition'


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It's hard to keep up with Rihanna's ever-changing hair color and wardrobe, but one thing that will be sticking around for at least the next 10 days is her manicure.
While in Milan last week, the chart-topping singer got her nails done by CND VIP manicurist for Milan's Ladybird House Flavia Pitton, who used CND Retention+ Liquid and CND Retention+ Powder to build up a strong base on her nails, then topped it off with CND Shellac in Black Pool — a creamy, jet-black shade.
"I love the easy application and the 'just like polish' appeal that make CND Shellac'd nails always so chic, even when you go for a trendy design," Pitton tells Us Weekly.
When the formula debuted in 2010, the 23-year-old star quickly traded her nail polish for the popular in-salon service, which is a four-step process that cures under a UV lamp and last up to two weeks.
"Rihanna was one of the very first celebrity fans of CND Shellac! She even wore CND Wildfire Shellac in the music video for Eminem's "I Love The Way You Lie," a rep for CND adds.
To find out where you can get Shellac, click here.
For access to all our exclusive celebrity videos and interviews – Subscribe on YouTube!


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I could so easily collapse and spend all day in a heap of tears, but if I did that why would I stop? If I was so upset that I couldn't cope with work and spent days at home, why would I come back to work? Sophie is getting better, but it will be months, if not years, before we will be able to say that she is fully recovered, if she ever gets that far. Only my will and stubbornness to keep going has got me so far and now I'm here I have to keep going. My family has enough to worry about at the moment, without adding me to that. I have to keep on and I have to be strong. I have no choice. After a while it becomes habit – things are getter better, and so I feel (mostly) more positive about the future, so it is easier to keep on as I have been doing. And as I will continue to.
2 comments
Clari, I hope you're OK. I have no idea who SOphie is, or why she has been suffering, but my best wishes for her speedy recovery. You have been so helpful to the rest of us on course, that you deserve a good break x


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Here are a few stories we read (in no particular order) and would recommend. The kids were 6 (K) and 7 (1st). If there is a movie made after the book, we always watch that and compare the two. The kids have always agreed that the book is so much better (so far).
Shiloh by Phyllis Reynolds Naylor — 1992 Newberry Medal Award, 1994 Mark Twain Award
The kids really loved this book, and we were finished in about 8 days. They would ask me to read more and more. Turner is really into anything dog. They watched the 1st and 2nd movie.
Titanic Crossing by Barbara Williams — 1998 Mark Twain Award
My son really wanted to learn more about the Titanic, so we checked out a ton of non-fiction reading material, along with this fiction story. We didn't enjoy the story that much, it's okay, it just seemed a tad corny in places. Not sure if I would recommend.
Charlotte's Web by E.B. White — Newberry Honor
Another classic that is on most everyone's list. At this young age they really take to this story, and my kids enjoyed watching the movie afterwards (again and again).
A House is a House for Me by Mary Ann Hoberman
Short read, but very cute and wonderful illustrations. Perfect for young kids and beginning readers.
Hotel for Dogs by Lois Duncan
Great book, and a good way to talk about how the movies just mess it up sometimes 🙂 The movie was so far from the book, other than character names and the title it was completely different and a big let down (to both the kids and myself). The book is very well written though.
Magic Tree House Series by Mary Pope Osborne
We have listened to books 1-37 so far, all on audiobooks checked out at our local library over the last year. When we are in the car an audiobook is generally playing. Both of my kids LOVE this series and they really learn a lot at the same time. They also have an account online the main website and they can take a 3 question quiz afterwards and earn a badge.
Stewart Little by E.B. White
Another wonderful story by E.B. White that younger children will really enjoy. We listened to this on audiobook.
Geronimo Stilton by Geronimo Stilton
An interesting series that takes you on many adventures through the eyes of a mouse. We have listened to books 1-6 so far, our library doesn't carry the rest of the series, I think I may recommend they get them though…. they are that good!
Ghost Detectors series by Dotti Enderle
Jason has been reading this series to Turner before bed. Turner really enjoys it, although he could probably read these himself, we like to read to both kids before bed. They are on book #5.
Judy Moody series by Megan McDonald
This is the series I have been reading to Lilly before bed. They are educational, as well as funny. I enjoy them as much as Lilly. We are on book #12.


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Join the Interactive Discussion with Cheryl Rice
Can you really make a difference with two words and a simple gesture? The answer is yes! Something amazing happens when you share positivity in the world.
The You Matter Marathon (no running required!), founded in 2016 by Cheryl Rice, strives to create positive experiences and empowering interactions between individuals and communities. It's easy: individuals or organizations sign up to receive "You Matter" cards in the mail, free of charge. Then, they simply hand out the cards to people they encounter throughout the day. The results are astounding. 61% of participants report that they achieve a greater sense of gratitude and enhanced connection with others. 51% report enhanced compassion for others; and finally, 50% achieve enhanced levels of personal happiness. The lesson? One small gesture and two small words can help forge connections and spread kindness, compassion, and happiness.
Join us for an hour-long discussion with You Matter Marathon founder, Cheryl Rice. This webinar is focused on preparing for the 2017 You Matter Marathon as we seek funding from corporate sponsors and other volunteers.


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Since the recent launch of our impregnated bits, we have many requests for an application chart.
Drillability of a formation is notoriously difficult to assess accurately without a drilling trial, and to overcome this obstacle Premier has opted for an approach that offers a small selection of products, each with a wide and tolerant range of application.
Apart from finding the relevant mineral in the application chart or evaluating hardness using the Mohs scratch test, the most popular way to select product on an existing job is to look for the Premier alternative to a competitor's product whose performance is already known.
In response to this approach, we have developed a chart which should be comparable to most others in the market so that the user can find the Premier equivalent that matches the mineral application range for the other suppliers' product of interest.


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Clarets defender Luke O'Neill has today joined Scunthorpe United on a three-month emergency loan.
O'Neill, who penned a new two-year deal this summer, will link up with the League One side until November 18.
The 22-year-old spent the majority of the 2013-2014 campaign on loan at York City where he gained valuable experience, picking up 16 appearances and a solitary goal against eventual League Two champions Chesterfield.
He was recalled by the Clarets' to be a part of the first-team squad for the FA Cup trip to Southampton in January before heading to Southend on a 30-day emergency loan but his time with the Shrimpers was cut short due to injury.
Club News
O'Neill Joins The Iron
18 August 2014
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Botlhale, Emmanuel Kopang, University of Botswana, Botswana
Vol 4, No 1 (2012) - Articles
Privatisation in Botswana: A Case of Firsts Not Happening First?
Abstract PDF
To make sure that you can receive messages from us, please add the 'macrothink.org' domain to your e-mail 'safe list'. If you do not receive e-mail in your 'inbox', check your 'bulk mail' or 'junk mail' folders.
Copyright © Macrothink Institute ISSN 1948-5433


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Mary...my friend....if you are reading this....I actually made that recipe as it was written first.....and it was terrible. (Mary recently called my attention to the fact that I seem to ALWAYS change the recipes!)
So when this recipe turned out terrible, I did what I usually do with recipes from the beginning and changed it up to what I think would have worked better.....and it didn't help. No matter what I added to it, I just couldn't get the taste right on it. David ate it and said it wasn't that bad; but I hated it. Sometimes new recipes are just failures. What can I say!
Dinner last night was a completely different story. I have been wanting to make these and tell you about them for quite some time now. It is, by far, one of my favorite meals and one of the freshest and healthiest dishes that I make. Perfect choice to follow that crazy good meal that we had for Valentine's Day.
Spring Rolls....sometimes called Summer Rolls....depending on which cuisine they are representing are sometimes seen on menus fresh and sometimes you see them fried. While I like both of them, my most favorite ones are the fresh ones. This is the version that I make for my family.
I start out with rice paper. I was able to pick these up at a regular supermarket in Houston with the other Asian foods. If you are fortunate enough to have an Asian market nearby, you can definitely find them there.
These are Bean Threads. They are so interesting when you take them out of the package. They are like dried ramen noodles all curled up into a nest. You should be able to find these with the other Asian foods in your regular supermarket.


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Dec 3 2019
Public Speaking - Final Class (note ends at 4.45pm)
Tuesday December 3rd, 2019, 3.15pm — 4.45pm
Location: SJS Library
Students will learn about the 3V's of Public Speaking: the Vocal, Visual, and Verbal. Topics under the 3V's will include:
- Helpful and hurtful body language
- Visual aids
- Verbal "distractions"
- How to bring a speech to life with your words
- How to use your voice to engage the audience
- How to craft a speech using the fundamentals of speech structure
For students registered for program from Grades 6-8.
Note: students should bring a notebook.
SJS Band Lesson - Advanced Band
Tuesday December 3rd, 2019, 8am
Advanced Band Lessons are at 8am each Tuesday and again during the day on a rotational basis.
Cadet (younger/new student band) is during recess on Tuesdays and again during the day on a rotational basis.


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Up to 50 years in prison was the punishment handed down Thursday to two Reno friends who fatally beat one of their romantic rivals in a grudge that was fueled by earlier text messages.
Codie Walker, 21, known as "Crispy" (right) and Jeremie Johnson, 22, were convicted by jurors in September of first-degree murder for the beating death of Ashton Pacheco, 20. The beating occurred Nov. 9, 2011 at Pacheco's girlfriend's Reno home. He died two days later following brain surgery.
Washoe District Judge Jerome Polaha said a term of 20 to 50 years was appropriate for the men because while they were "foolish" to savagely attack Pacheco, they did not intend on killing him.
Prosecutor Luke Prengaman said Pacheco was Walker's romantic rival, and that Johnson also had a grudge against him. Leading up to the beating, Prengaman said the men threatened to batter Pacheco in text messages.
Walker and Johnson (right) had kicked and stomped Pacheco, mostly when he was on the ground, as he sat in Pacheco's girlfriend's bedroom on Nov. 9, 2011, Prengaman said. He said the attack was unprovoked.
Walker's attorney had previously described his client and Johnson as "hot-blooded young men" who acted in the spur of the moment.
But Prengaman said they viciously attacked Pacheco in a planned beating, where Pacheco was mostly defenseless as his head was kicked in and stomped on.
Pacheco's mother, Penny Pacheco, said that Wednesday was her deceased son's birthday. She said the day is no longer one of joy, as she continues to struggle with his loss.
Walker and Johnson both apologized for their actions.
Both said they identified themselves as members of the Insane Clown Posse. Not the actual band, but the gang-type affiliates.


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DOVER — Wyatt Allaire is one of those kids who can play any position on a baseball field.
He showed off some of that versatility and athleticism Saturday night at Beckwith Park with two terrific catches in center field.
Unfortunately, those were about the only highlights for the Dover All-Stars in a 20-0 loss to to Methuen, Mass., in the 12-year-old Cal Ripken, 70-foot base paths New England Regional.
"He's been making those plays since he could walk," said Dover coach Jack Dalton, who noted that Allaire catches and plays the infield during the regular season. "We move him to the outfield during all-stars because that's where the balls go. He tracks baseballs better than any kid I've ever seen."
It was the opening game for both teams in the double-elimination tournament. The contest was called after four innings because of the mercy rule.
In addition to his defense, Allaire also had one of Dover's two hits, a two-out single to right in the third.
Jake LeClerc had a two-out single to left in the first. Dan Parker drew a two-out walk in the second for Dover's other baserunner.
Only two runners got as far as second base for the host team. Parker advanced on a wild pitch and Allaire stole second in the third.
Otherwise, it was all Methuen, the Eastern Mass. champion that led 5-0 eight batters into the game.
Making its regional debut Methuen scored five runs in the first inning, seven in the second, and four each in the third and fourth.
"Our strategy was to get up early and often," said Methuen coach Bill Fili, "and keep it going."
Clean-up hitter Orlando Payne was the offensive standout for Methuen. He went 3 for 3, including a mammoth three-run homer in the third that reached the trees well beyond the left-field fence.
"They're pretty good," Allaire said. "They have some big kids who can hit the ball really hard."
Payne, who also scored three times, finished with six RBIs. Methuen's starting pitcher David Gill also had a three-run homer to left in the second. Devin Melia added three hits and three RBIs.
"We didn't play our game," Dalton said, "but at the same time that's the best 12-year-old all-star team I've ever seen, hands down."
The defensive standout was clearly Allaire, who stretched out to make a running, backhanded catch of a Shayne Fili line drive in the third inning that was headed for the gap in left-center field.
"I didn't think I was going to get it," Allaire said. "I just ran towards it, stuck my glove out and hoped for the best."
Allaire then whirled and threw the ball back to the infield to prevent the runner from advancing.
He made another highlight-reel catch in the fourth when he reached up with his glove at the last instant and grabbed a liner off the bat of Gill that appeared headed over the center field fence for what would have been a grand slam.
"You've got to give it up for that center fielder," coach Fili said. "He robbed us on a couple plays."
Dover, which reached the final four of this tournament last year, will play a losers' bracket game against Northbridge, Mass., today at noon.
Also today, Methuen takes on two-time defending champion Danbury, Conn., at 5:30 p.m. in a winners' bracket contest.
"Forget about it, that's all you can tell (the kids)," Dalton said of Saturday's loss. "It's baseball. You're going to have games like that."


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Trapped inside a smoky room, she tried calling out for help.
No response. She tried twice more, but in vain.
This is all it took for her to come to the conclusion that it was time for her to help herself. She wasn't used to being stuck inside a cubical, hazy with dust, with very less light.
The girl, herself was small and petite. Although her expressions registered panic, her eyes shone some amount of defiant fighting spirit. She tucked on her white dress that managed to cover her blackened knees. The girl decided her plan of action, bravely.
But deep down, she was afraid. Afraid of losing control. Afraid of the end.
Afraid of insanity.
She had to do something, however. She stood up in the dingy small space and hit her head to the roof above. Biting her lips to cease the pain, she tried to push the roof off the closure.
And to her fortune, it opened right away!
She smiled, relieved, saying a silent prayer to the only God she knew, her latent fate.
With some effort, she managed to climb out of the room, not remembering a bit about how she got there. The last thing she remembered was watching her loved ones drowning in a flood, rushing away like withering clouds, silent screams piercing her conscience.
Before that, it was an earthquake, destroying everything, a plummeting sand castle, period.
And now, here she was, escaping the tiny box, out to freedom. The girl found herself on the top of a very tall building. So tall that she couldn't see the ground, not one bit.
A cool breeze ran through her dress, kissing her exposed skin lightly. She felt mesmerized yet, the daunting feeling of fear still shook her wildly, eating her from the inside.
She now stood on the edge of the building, creeping towards the corner, slowly. Her pulse quickened and the overpowering feeling of fear had taken control of her mind. The world around her was in ruins.
It was now or never.
Yes! She now could hold none of it anymore. The girl desperately wanted the end! What else could she do? Either be trapped in a pothole or fall to her death? Death felt better, she needed the peace. Needed the freedom. Due to impounding fear her body began to heave heavily.
And in one single gallop she fell, face forward, out in the cold, out in the wilderness. Her contorted expression bloomed into the one of joy and bliss.
Wind swept past her like a raging fire, calming her senses. She fell and fell and fell. A bottomless pit from hell. Yes, the girl was flying but it only took her moments to come to the next conclusion.
She asked what she got and now, she was trapped again. Trapped inside freedom.
– Shaun D'souza
follow at facebook.com/shadowdsouza