text:
Mr. Newpatient: "Yeah, my hand surgeon wants me to schedule an EMG with Dr. Grumpy."
Mary: "I can help you with that. Are you on any blood thinners?"
Mr. Newpatient: "I don't know. Am I?"
Mary: "Sir, you've never been here, so we have no information about you."
Mr. Newpatient: "Well, can you guys look at my medicines and tell me if any are blood thinners?"
Mary: "Sure, I can have the doctor review them... What are you taking?"
Mr. Newpatient: "I have no idea. Can you call my pharmacy for the list?"
Mary: "Um... What pharmacy do you go to?"
Mr. Newpatient: "I don't know. My wife always deals with that stuff."
Mary: "Is she there?"
Mr. Newpatient: "No. Can you call back later?"


text:
Advisors will probably say they don't need a study to tell them they're barraged by product pitches; for manufacturers, however, the results could be eye-opening.
The typical advisor receives 50 to 100 different marketing and sales contacts a week in various formats, according to a new report from the Boston-based research and consulting firm Practical Perspectives.
Additionally, the report, "Communicating with Financial Advisors–Insights and Opportunities 2013," found roughly one in three advisors indicate they actually receive significantly more communications.
"Many advisors find the volume of marketing and sales contact to be overwhelming and are challenged to devote time to reflect on these outreach efforts," the report says. "Consequently, a large portion of the messaging is given cursory attention or ignored, especially from firms that advisors are not currently engaged with."
Howard Schneider, Practical Perspectives' president and author of the report, says advisors see benefit in the marketing and sales outreach they receive from product providers and other sources, but most don't have the time to digest the messages given other day-to-day priorities.
"Providers are spending countless resources on outreach each year to build awareness, loyalty and sales," Schneider says. "Many advisors indicate these contacts do influence key factors such as their willingness to consider a particular provider or their loyalty to a provider. The struggle for firms is to use best practices to gain advisors' attention in a highly cluttered environment with so many firms competing for the chance to connect."
Additional findings of the report include:
- Marketing/sales communications are heaviest from asset managers (those they currently use as well as those they do not) and from an advisor's broker-dealer or custodian.
- The vast majority of marketing/sales communications advisors receive are in the form of emails, with in-person office visits representing a relatively low portion of contacts.
- Advisors are far more likely to value face-to-face contacts in their office, with advisors three times as likely to pay attention to in-person visits compared with emails or telephone calls.
- JPMorgan, BlackRock/iShares, American Funds, Franklin Templeton and PIMCO are recognized by advisors for having the most attention-getting and useful marketing/sales outreach.
- Despite much attention to the topic, most advisors do not perceive communications via social media to be a useful source of connection relative to other formats.
- Advisors suggest a variety of changes to get them to pay more attention to communications, including making them more concise, focusing on relevant topics, and tailoring the message to the advisor and the client base they serve. Many also suggest reducing the volume of contacts directed to them.
Check out 3 Steps to Reaching Prospects Online on ThinkAdvisor.

subset: commoncrawl


text:
Year of publication
- 2002 (3) (remove)
- Coherent rho 0 production in ultraperipheral heavy-ion collisions (2002)
- The STAR Collaboration reports the first observation of exclusive rho 0 photoproduction, AuAu-->AuAu rho 0, and rho 0 production accompanied by mutual nuclear Coulomb excitation, AuAu-->Au [star] Au [star] rho 0, in ultraperipheral heavy-ion collisions. The rho 0 have low transverse momenta, consistent with coherent coupling to both nuclei. The cross sections at sqrt[sNN]=130 GeV agree with theoretical predictions treating rho 0 production and Coulomb excitation as independent processes.
- Centrality Dependence of High-pT Hadron Suppression in Au+Au Collisions at sqrt[sNN]=130 GeV (2002)
- Inclusive transverse momentum distributions of charged hadrons within 0.2<pT<6.0 GeV/c have been measured over a broad range of centrality for Au+Au collisions at sqrt[sNN]=130 GeV. Hadron yields are suppressed at high pT in central collisions relative to peripheral collisions and to a nucleon-nucleon reference scaled for collision geometry. Peripheral collisions are not suppressed relative to the nucleon-nucleon reference. The suppression varies continuously at intermediate centralities. The results indicate significant nuclear medium effects on high-pT hadron production in heavy-ion collisions at high energy.
- Azimuthal anisotropy of K0S and Lambda + Lambda -bar production at midrapidity from Au+Au collisions at sqrt[sNN]=130 GeV (2002)
- We report STAR results on the azimuthal anisotropy parameter v2 for strange particles K0S, Lambda , and Lambda -bar at midrapidity in Au+Au collisions at sqrt[sNN]=130 GeV at the Relativistic Heavy Ion Collider. The value of v2 as a function of transverse momentum, pt, of the produced particle and collision centrality is presented for both particles up to pt~3.0 GeV/c. A strong pt dependence in v2 is observed up to 2.0 GeV/c. The v2 measurement is compared with hydrodynamic model calculations. The physics implications of the pt integrated v2 magnitude as a function of particle mass are also discussed.


text:
Try Our Mario Games!
Username :
Password :
-- Sponsored Ads --
Mario In Island
Privacy Policy - RSS - Member List - Contact Us -
Welcome to My Mario Games Online. Where you can play tons of Mario Games any time of the day. If you like driving mario and luigi games or just the classic mario games. You will be able to find what you are looking for here at hubmario.com. Who doesn't love super mario games? Our website is at your disposal 24 hours a day 7 days. Have fun...


text:
Insurers paid $6.6 billion in long-term care insurance benefits in 2012, according to the American Association for Long-Term Care Insurance. Approximately 264,000 people received benefits.
"At a time when so much is written about rate increases and changing markets, there is no more important story to tell than the fact that the nation's long-term care insurers pay claims, and lots of them," Jesse Slome, director of AALTCI, said in a statement.
The most common reasons for claims to be paid were for Alzheimer's disease, stroke, arthritis and cancer. The report noted that benefits covered people who were receiving in-home care as well as those at nursing homes and assisted living facilities. In fact, in-home care accounted for about half of all new insurance claims. "People associate long-term care with nursing home care but insurance actually enables many people to remain at home when care is needed," Slome said.
About two-thirds of benefit recipients were women, AALTCI found, who could find they're paying more for LTCI in the future. Washington Bureau Chief Melanie Waddell reported on Feb. 20 that some insurers, notably Genworth, are looking at gender-based pricing for their LTCI policies.
AALTCI released on March 7 its 2013 National Long-Term Care Insurance Price Index, which shows a 55-year-old will likely pay $2,065 per year for $162,000 in current LTCI benefits and $330,000 at age 80. In 2012, the same coverage cost $1,720 per year. A couple where both spouses are 60 will pay $1,816 per year for $162,000 of coverage per person. "Persistent low interest rates and yields on fixed-income investments continue to push costs for various insurance products higher," Slome said.
Also pushing policy rates up is the higher cost of care over all. Genworth found that the cost of a semi-private room in a nursing home increased nearly 4% in 2012 and 4.5% over the past five years. The price for a room in an assisted living facility increased 1.19% in 2012 and nearly 6% over the past five years.
The index examined rates at 12 insurers and found a great disparity in rates for similar coverage. A 55-year-old could pay 87% more at the highest-priced insurer than at the lowest. For a couple, the disparity between the highest- and lowest-cost insurer was 92%.
"There is no one-size-fits-all policy choice that suits everyone," Slome said. "Some protection is always better than none, and coverage that does not include a costly inflation growth option is an affordable option."
Slome noted that some insurers are trying to make their policies more flexible, offering a future purchase option which allows applicants to increase their benefits periodically. Slome said an FPO can increase the cost by about 5%, and the index found a 40% differential between the highest- and lowest-priced policies with this option.
"A good long-term care insurance option takes into account the future availability of savings, Social Security benefits and investment retirement income to supplement insurance coverage," Slome added. "Increasing benefits are not an option that everyone today needs or wants to pay for."
Read Mixed News on Changes to Long-Term Care Tax Deductions on AdvisorOne.


text:
Fixed income investors have recently expressed fears that U.S. interest rate increases are closer than originally expected after Fed Chairman Bernanke's comments at a Congressional hearing that led to a dramatic sell-off in the bond market.
The 10-year Treasury yield entered the month of May with a yield of 1.64% and reached 2.21% by June 10th. Interest rate volatility has also increased since the May 22nd hearing.
Through May, taxable bonds had experienced over $110 billion in net inflows, according to Morningstar. Only recently, however, have flows into fixed income mutual funds turned negative. On June 19th, Lipper reported $17.7B in outflows to date in the month. Investors that were demanding greater yields are now showing signs of nervousness. The question facing these investors is where best to allocate the funds sourced from a bond portfolio. More importantly perhaps, in an environment where investors have sought anything providing yield, which assets are best suited to replace the lost income stream without incurring additional portfolio volatility?
The recent marketplace has clearly been a Pandora's Box for income-seeking investors. Investors fearful of rising rates and looking to sell fixed income holdings may choose to allocate to equities, invest in alternatives or hold cash. Each carries its own set of risks as described below.
Although inflation fears have subsided, the choice of allocating to cash is effectively guaranteeing a negative real rate of return (nominal return less inflation). Though many cautious institutional managers have chosen this route, many retail investors are dependent on income and locking in a zero yield is not an option. Some investors will choose to stomach the price volatility of their bond portfolios to maintain a stable level of income and refuse to rotate into equities or cash. Others may consider a third choice by adding alternative exposure to their portfolios.
Market returns would tell you that the default answer for flows has been equities, as the S&P 500 Index has increased more than 3% since the beginning of May. That performance has not been without a significant increase in volatility, however. The most common measure of volatility, the VIX, has increased 27% over the same time period. (May 1-June 14)
Let's also not forget that the U.S. equity market, as measured by the S&P 500 Index, is up 15.3% year-to-date (again through June 14) and now yields less than 2%. Investors allocating to equities would be "chasing" a 15% return while adding to portfolio volatility. Some income investors in the past few weeks have made the mistake of moving their fixed exposure to dividend- paying equities as a "bond proxy." In this scenario, the investor is potentially exacerbating the same interest rate risk he was aiming to avoid, while increasing the inherent volatility by allocating to equities.
From an options perspective, dividend-paying stocks have exhibited the greatest relative volatility in the S&P 500 Index. As evidence, since longer-dated bonds spiked in late May, high-yielding stocks including REITs and MLPs have sold off in unison, some by over 15%.
Options as a Fixed-Income Alternative?
While many fixed-income "alternatives" exist, including long-short and market neutral strategies, an alternative strategy that has begun to attract a wider swath of investors utilizes options to remain correlated to equities while also hedging out the volatility of existing equity portfolios. For most, the objective of fixed income is yield; for others, the goal is to dampen the volatility of their equity portfolio. Options offer the possibility to do both.
Increased volatility in the fixed income marketplace has started to make the equity options universe attractive from a relative basis for several reasons.
First, investors can minimize the interest rate risk that is causing the price volatility in their fixed income portfolio. Second, options portfolios can be designed to smooth out the volatility of an equity portfolio, while offering investors correlated equity market returns with fixed income like volatility. Third, options premiums can provide a level of income that supplants some of what was lost from the bond allocation.
In a world of heightened yields and interest rate volatility, investors should be careful about the risks and rewards of selling bonds and reallocating to traditional equities or cash. A byproduct of funding equity exposure from your fixed income portfolio could be an increase in portfolio volatility. However, with a diversified options portfolio, investors can add exposure to the equity market while maintaining a much lower volatility than buying stocks or equity mutual funds.


text:
Motorized Blinds & Shades - Remote Control Compatible
1 results
Sort By:
Blindsgalore® Envision Roller Shades: Light Filtering Textures & Patterns
$145.70 $72.85 you save 50%
Customizeback to products
customer reviews for remote control motorized
"Great Purchase"
By Robin from Butler Mo
I checked alot of places for blinds , but ended up buying them here. I received them in a short time , they was very easy to hang and the quality seems to be greatView this product
"Great Choice"
By No Longer Blindless from California
The roller shade is great. The rich fabric color has transformed our window and prompted me to order additional shades for other windows in the home. The shades were so easy to install that I installed them without the help of my husband, but with the help of my 13 yr old daughter.View this product


text:
The professionals at Oliver are highly trained and whether they install a brand new heating unit or repair your current one, they will treat you and your home or building with respect. They can also help you diagnose any problems you're having with your heating unit and help you decide which Fort Washington, PA heating service is best for you.
At Oliver, we carry the best in air conditioners and heat pumps to help you keep your home or building cool during the summer. With our Fort Washington cooling service, you'll get thorough installations, accurate diagnoses, fast repairs, and friendly assistance. We also offer preventative maintenance plans to make sure your units run smoothly.
Since 1971, we have encountered a variety of plumbing problems throughout the area, so we can help you diagnose what's wrong and have it fixed quickly and thoroughly. Whether you have a leak, a clog, or any other plumbing problem, our experts are available 24 hours a day to get your fixtures back to normal.
In addition to our Fort Washington, Pennsylvania HVAC services and plumbing services, we also offer Fort Washington electrical service. We know that trying to repair an electrical problem can be difficult, which is why our technicians are highly trained to quickly fix your wiring, lighting, generator systems, and more.
Water Heaters
In addition to quality heating, cooling, and electrical services, our HVAC company also offers water heater services to keep you and your family comfortable. Whether you're in need of a new water heater or just need your current one repaired, our experts are available around the clock to help.
Other Services
If you're looking for solar energy options, water heater services, duct cleaning, or more, Oliver offers an array of other services for both residential and commercial customers. Contact Oliver today for more information or if you're in need of Fort Washington HVAC services.


text:
Apparel suppliers see challenging year ahead
Apparel suppliers, retailers and importers face countless challenges in the months ahead, including political uncertainty on global trade, increasing costs in China, intensifying logistics pressures, and escalating environmental concerns. How they tackle these issues is likely to make the difference between success and failure, as Leonie Barrie heard at the Prime Source Forum in Hong Kong earlier this month.
Get full access to all content, just $1 for 30 days
just-style gives you the widest apparel and textile market coverage.
Paid just-style members have unlimited access to all our exclusive content - including 20 years of archives.
I am so confident you will love complete access to our content that today I can offer you 30 days access for $1.
It's our best ever membership offer – just for you.
Leonie Barrie, editor of just-style
Create sourcing plans that work
Find new apparel sourcing destinations, assess trade flows and manage tariffs. All in one place.
Most Popular
- Malaysia apparel sector recovery remains elusive
- The case for chemical recycling of cellulosics
- Boohoo to boost compliance as probe finds failings
- Second-hand retailers' product and pricing trends
- Digital wage payments must be scaled post-pandemic
- Ralph Lauren among names to sue over China tariffs
- GMAC files lawsuit seeking EU decision annulment
- Patagonia names new CEO and brand chief
- Asos unveils first circular fashion collection
- Fashion brands failing to provide a living wage
Market research
- Womenswear in United Kingdom (UK) - Sector Overview, Brand Shares, Market Size and Forecast to 2024 (adjusted for COVID-19 impact)
- Womenswear in United States - Sector Overview, Brand Shares, Market Size and Forecast to 2024 (adjusted for COVID-19 impact)
- Sustainability - The Most Important Theme for 2020 - Thematic research
- Li & Fung Ltd (494) - Strategic SWOT Analysis Review
- Targeting Consumers at Home - Coronavirus (COVID-19) Case Study
Oops! This article is copy protected.
Why can't I copy the text on this page?
The ability to copy articles is specially reserved for people who are part of a group membership.
How do I become a group member?
To find out how you and your team can copy and share articles and save money as part of a group membership call Sean Clinton on
+44 (0)1527 573 736 or complete this form..


text:
A delicate spice calls for a delicate cookie. So when looking for ways to make the most of the gorgeous colour and ethereal flavour of saffron, meringue puff cookies were the obvious choice. The result is a decidedly adult-friendly cookie with a light, crunchy exterior and a wonderfully chewy interior.
Start to finish: 45 minutes
Makes 36 cookies
1 pinch saffron threads, crushed
1 tablespoon hot water
5 egg whites
1 teaspoon vanilla extract
1/4 teaspoon salt
1/4 teaspoon cream of tartar
1 1/4 cups sugar
10 ounces (about 2 1/2 cups) finely chopped almonds
Heat the oven to 300 F. Line 2 baking sheets with parchment paper.
In the bowl of an electric mixer, combine the saffron and the hot water. Let stand for 2 minutes.
Add the egg whites, vanilla, salt and cream of tartar. Beat until soft frothy peaks form. With the mixer running, slowly add the sugar, a tablespoon at a time. Continue whipping until thick, glossy, firm peaks form.
Use a silicone spatula to gently fold the almonds, half of them at a time, into the egg whites. Be careful not to deflate the whipped egg whites. Scoop the mixture by rounded tablespoonsful onto the prepared baking sheets, leaving 1 inch between the cookies.
Bake for 20 to 25 minutes, or until very light golden brown and puffy. Let cool completely on the baking sheets. Store in an airtight container at room temperature for up to a week.
Nutrition information per cookie: 60 calories; 35 calories from fat (58 per cent of total calories); 4 g fat (0 g saturated; 0 g trans fats); 0 mg cholesterol; 7 g carbohydrate; 1 g fibre; 5 g sugar; 2 g protein; 20 mg sodium.
By Alison Ladman


text:
Learning a new language generally requires significant investment of thought and effort, and it is only fair that programmers expect each language they consider learning to justify that investment. Clojure was born out of creator Rich Hickey's desire to avoid many of the complications, both inherent and incidental, of managing state using traditional object-oriented techniques. Thanks to a thoughtful design based in rigorous programming language research, coupled with a fervent look toward practicality, Clojure has blossomed into an important programming language playing an undeniably important role in the current state of the art in language design. On one side of the equation, Clojure utilizes Software Transactional Memory (STM), agents, a clear distinction between identity and value types, arbitrary polymorphism, and functional programming to provide an environment conducive to making sense of state in general, and especially in the face of concurrency. On the other side, Clojure shares a close relationship with the Java Virtual Machine, thus allowing prospective developers to avoid the costs of maintaining yet another infrastructure while leveraging existing libraries.
In the grand timeline of programming language history, Clojure is an infant; but its colloquialisms (loosely translated as "best practices" or idioms) are rooted in 50 years of Lisp, as well as 15 years of Java history. (While drawing on the traditions of Lisp and Java, Clojure in many ways stands as a direct challenge to them for change.) Additionally, the enthusiastic community that has exploded since its introduction has cultivated its own set of unique idioms. The idioms of a language help to define succinct representations of more complicated expressions. Although we will certainly cover idiomatic Clojure code, we will also expand into deeper discussions of the "why" of the language itself.
In this article, we discuss the weaknesses in existing languages that Clojure was designed to address, how it provides strength in those areas, and many of the design decisions Clojure embodies. We also look at some of the ways existing languages have influenced Clojure.
The Clojure Way
Let's start slowly.
Clojure is an opinionated language it doesn't try to cover all paradigms or provide every checklist bullet-point feature. Instead it provides the features needed to solve all kinds of real-world problems the Clojure way. To reap the most benefit from Clojure, you'll want to write your code with the same vision as the language itself. As we walk through the language features, we discuss not just what a feature does, but why it's there and how best to take advantage of it.
But before we get to that, we'll first take a high-level view of some of Clojure's most important philosophical underpinnings. Figure 1 lists some broad goals that Rich Hickey had in mind while designing Clojure and some of the more specific decisions that are built into the language to support these goals.
Figure 1: Broad goals of Clojure showing some of the concepts that underlie the Clojure philosophy and how they intersect.
As the figure illustrates, Clojure's broad goals are formed from a confluence of supporting goals and functionality, which we will touch on in the following subsections.
It's hard to write simple solutions to complex problems. But every experienced programmer has also stumbled on areas where we've made things more complex than necessary, what you might call incidental complexity as opposed to complexity that's essential to the task at hand (see "Out of the Tar Pit" for details on the concept). Clojure strives to let you tackle complex problems involving a wide variety of data requirements, multiple concurrent threads, independently developed libraries, and so on without adding incidental complexity. It also provides tools reducing what at first glance may seem like essential complexity. The resulting set of features may not always seem simple, especially when they're still unfamiliar, but we think you'll come to see how much complexity Clojure helps strip away.
One example of incidental complexity is the tendency of modern object-oriented languages to require that every piece of runnable code be packaged in layers of class definitions, inheritance, and type declarations. Clojure cuts through all this by championing the pure function, which takes a few arguments and produces a return value based solely on those arguments. An enormous amount of Clojure is built from such functions, and most applications can be too, which means that there's less to think about when trying to solve the problem at hand.
Freedom to Focus
Writing code is often a constant struggle against distraction, and every time a language requires you to think about syntax, operator precedence, or inheritance hierarchies, it exacerbates the problem. Clojure tries to stay out of your way by keeping things as simple as possible, not requiring you to go through a compile-and-run cycle to explore an idea, not requiring type declarations, and so on. It also gives you tools to mold the language itself so that the vocabulary and grammar available to you fit as well as possible to your problem domain Clojure is expressive. It packs a punch, allowing you to perform highly complicated tasks succinctly without sacrificing comprehensibility.
One key to delivering this freedom is a commitment to dynamic systems. Almost everything defined in a Clojure program can be redefined, even while the program is running: functions, multimethods, types, type hierarchies, and even Java method implementations. Though redefining things on the fly might be scary on a production system, it opens a world of amazing possibilities in how you think about writing programs. It allows for more experimentation and exploration of unfamiliar APIs, and it adds an element of fun that can sometimes be impeded by more static languages and long compilation cycles.
But Clojure's not just about having fun. The fun is a by-product of giving programmers the power to be more productive than they ever thought imaginable.
Some programming languages have been created primarily to demonstrate some nugget of academia or to explore certain theories of computation. Clojure is not one of these. Rich Hickey has said on numerous occasions that Clojure has value to the degree that it lets you build interesting and useful applications.
To serve this goal, Clojure strives to be practical a tool for getting the job done. If a decision about some design point in Clojure had to weigh the trade-offs between the practical solution and a clever, fancy, or theoretically pure solution, usually the practical solution won out. Clojure could try to shield you from Java by inserting a comprehensive API between the programmer and the libraries, but this could make the use of third-party Java libraries more clumsy. So Clojure went the other way: direct, wrapper-free, compiles-to-the-same-bytecode access to Java classes and methods. Clojure strings are Java strings; Clojure function calls are Java method calls it's simple, direct, and practical.
The decision to use the Java Virtual Machine (JVM) itself is a clear example of this practicality. The JVM has some technical weaknesses such as startup time, memory usage, and lack of tail-call optimization (TCO). But it's also an amazingly practical platform it's mature, fast, and widely deployed. It supports a variety of hardware and operating systems and has a staggering number of libraries and support tools available, all of which Clojure can take advantage of because of this supremely practical decision.
With direct method calls,
deftype, and
defrecord, Clojure works hard to provide a bevy of interoperability options, all in the name of helping you get your job done. Practicality
is important to Clojure, but many other languages are practical as well. You'll start to see some ways that Clojure really
sets itself apart by looking at how it avoids muddles.
When beetles battle beetles in a puddle paddle battle and the beetle battle puddle is a puddle in a bottle they call this a tweetle beetle bottle puddle paddle battle muddle. Dr. Seuss
Consider what might be described as a simple snippet of code in a language like Python:
x = [5] process(x) x[0] = x[0] + 1
After executing this code, what's the value of
x? If you assume
process doesn't change the contents of
x at all, it should be
[6], right? But how can you make that assumption? Without knowing exactly what
process does, and whatever function it calls does, and so on, you can't be sure at all.
Even if you're sure
process doesn't change the contents of
x, add multithreading and now you have another whole set of concerns. What if some other thread changes
x between the first and third lines? Worse yet, what if something is setting
x at the moment the third line is doing its assignment are you sure your platform guarantees an atomic write to that variable,
or is it possible that the value will be a corrupted mix of multiple writes? We could continue this thought exercise in hopes
of gaining some clarity, but the end result would be the same what you have ends up not being clear at all, but the opposite:
a muddle.
Clojure strives for code clarity by providing tools to ward off several different kinds of muddles. For the one just described, it provides immutable locals and persistent collections, which together eliminate most of the single- and multithreaded issues all at once.
You can find yourself in several other kinds of muddles when the language you're using merges unrelated behavior into a single construct. Clojure fights this by being vigilant about separation of concerns. When things start off separated, it clarifies your thinking and allows you to recombine them only when and to the extent that doing so is useful for a particular problem. Table 1 contrasts common approaches that merge concepts together in some other languages with separations of similar concepts in Clojure.
|Object with mutable fields
|Values from identities
|Class acts as namespace for methods
|Function namespaces from type namespaces
|Inheritance hierarchy made of classes
|Hierarchy of names from data and functions
|Data and methods bound together lexically
|Data objects from functions
|Method implementations embedded throughout class inheritance chain
|Interface declarations from function implementations
Table 1: Separation of concerns in Clojure.
It can be hard at times to tease apart these concepts in our own minds, but accomplishing it can bring remarkable clarity and a sense of power and flexibility that's worth the effort. With all these different concepts at your disposal, it's important that the code and data you work with express this variety in a consistent way.
Clojure works to provide consistency in two specific ways: consistency of syntax and of data structures.
Consistency of syntax is about the similarity in form between related concepts. One simple but powerful example of this is
the shared syntax of the
for and
doseq macros. They don't do the same thing
for returns a lazy
seq, whereas
doseq is for generating side effects but both support the same mini-language of nested iteration, destructuring, and
:when and
:while guards. The similarities stand out when comparing the following examples:
(for [x [:a :b], y (range 5) :when (odd? y)] [x y]) ;=> ([:a 1] [:a 3] [:b 1] [:b 3]) (doseq [x [:a :b], y (range 5) :when (odd? y)] (prn x y)) ; :a 1 ; :a 3 ; :b 1 ; :b 3 ;=> nil
The value of this similarity is having to learn only one basic syntax for both situations, as well as the ease with which you can convert any particular usage of one form to the other if that becomes necessary.
Likewise, the consistency of data structures is the deliberate design of all of Clojure's persistent collection types to provide interfaces as similar to each other as possible, as well as to make them as broadly useful as possible. This is actually an extension of the classic Lisp "code is data" philosophy. Clojure data structures aren't used just for holding large amounts of application data, but also to hold the expression elements of the application itself. They're used to describe destructuring forms and to provide named options to various built-in functions. Where other object-oriented languages might encourage applications to define multiple incompatible classes to hold different kinds of application data, Clojure encourages the use of compatible map-like objects.
The benefit of this is that the same set of functions designed to work with Clojure data structures can be applied to all
these contexts: large data stores, application code, and application data objects. You can use
into to build any of these types,
seq to get a lazy
seq to walk through them,
filter to select elements of any of them that satisfy a particular predicate, and so on. Once you've grown accustomed to having
the richness of all these functions available everywhere, dealing with a Java or C++ application's
Person or
Address class will feel constraining.
Simplicity, freedom to focus, empowerment, consistency, and clarity.
Nearly every element of the Clojure programming language is designed to promote these goals. When writing Clojure code, if you keep in mind the desire to maximize simplicity, empowerment, and the freedom to focus on the real problem at hand, we think you'll find Clojure provides you the tools you need to succeed.
Why A(nother) Lisp?
By relieving the brain of all unnecessary work, a good notation sets it free to concentrate on more advanced problems. Alfred North Whitehead
Go to any open source project hosting site and perform a search for the term "Lisp interpreter." You'll likely get a cyclopean mountain of results from this seemingly innocuous term. The fact of the matter is that the history of computer science is littered with the abandoned husks of Lisp implementations. Well-intentioned Lisps have come and gone and been ridiculed along the way, and still tomorrow the search results will have grown almost without bounds. Bearing in mind this legacy of brutality, why would anyone want to base their brand-new programming language on the Lisp model?
Lisp has attracted some of the brightest minds in the history of computer science. But an argument from authority is insufficient,
so you shouldn't judge Lisp on this alone. The real value in the Lisp family of languages can be directly observed through
the activity of using it to write applications. The Lisp style is one of expressivity and empowerment, and in many cases outright
beauty. Joy awaits the Lisp neophyte. The original Lisp language as defined by John McCarthy in his earth-shattering essay
"Recursive Functions of Symbolic Expressions and Their Computation by Machine, Part I" defined the whole language in terms of only seven functions and two special forms:
lambda, and
Through the composition of those nine forms, McCarthy was able to describe the whole of computation in a way that takes your breath away. Computer programmers are perpetually in search of beauty, and more often than not, this beauty presents itself in the form of simplicity. Seven functions and two special forms. It doesn't get more beautiful than that.


text:
Andrew Mayne's most popular illusion plan
At any time during your show make half your body disappear in a fraction of a second. Just as quickly as your body vanished, it returns. Perform it anytime, anywhere. There's even a way to perform it surrounded. It's a perfect effect for the street magician or stage illusionist and has even appeared on television.
Included are step-by-step instructions for building the apparatus and performing the effect.
Total time to build the effect: 20 minutes.
Total cost to build: $10 (or less)
ebook version / PDF format


text:
This is the fifth and final in a series of blogs on what advisors don't know, but should, about variable annuities. Previous installments in the series have covered the mechanics of how Guaranteed Lifetime Withdrawal Benefits (GLWB) and Guaranteed Lifetime Income Benefits (GLIB) provisions work inside of variable annuities. In the most recent post, we discussed how current market conditions impact the benefits of VAs.
In the previous installments in this series we've taken a serious look at the mechanics behind variable annuities. We've tried to demonstrate that these are complex products with features and benefits that advisors need to weigh before they go down this path with a client. After taking all those factors into consideration, however, there are still valid reasons for advisors, under the right circumstances, with the proper metrics and allocation framework, to include a variable annuity in a client's portfolio of investments.
One of the tricky parts of dealing with variable annuities for advisors is that not only do they have to ask the right questions, but the answers to those questions are likely to change depending on a large number of variables. All VAs are not the same, nor are the investor portfolios where they need to fit due to factors such as asset allocation, risk exposure, expense levels and how much income is needed.
Properly assessing the viability of a variable annuity for a particular client entails considerably more than just adding it alongside a standard model portfolio. Advisors instead should use a process that will allow them to calculate the optimal allocations toward guaranteed income products including modeling the difference between a specific guaranteed income product and a model, asset-allocated portfolio used for systematic withdrawal (SWiP).
There are three key factors for which advisors should examine when determining the potential success of any retirement plan, particularly those that include a guaranteed income product:
- Probability of Ruin
This is the probability that the retiree runs out of money and will not be able to fund their income goal while still alive. This probability depends on two random processes: the returns on the investor's investment portfolio and the time of death.
- Expected Shortfall
This is the average, mortality-weighted, discounted amount across all Monte Carlo forecasts of the extra retirement wealth needed at the start of retirement to make a given investment strategy successful.
- Expected Death Benefit
This is the present value of the projected remainder of the retiree's investable portfolio at the end of their mortality-weighted lifetime.
Run Scenarios in Monte Carlo
Given the complexity of the problem, using a Monte Carlo approach is preferable to an analytic method when looking at most guaranteed income products. It is also imperative that the advisor keep in mind that the income derived from both a guaranteed income product and a SWiP are dependent on the performance of the capital markets, and that the performance of one product/portfolio can influence the cash flows needed from the other. By using a Monte Carlo approach, the advisor can model the nuances of any guaranteed income product, look at how the capital markets impact their behavior and accurately capture the intertwined relationships of the possible combinations.
In the optimization process used by my company, Achaean, a Monte Carlo forecast is generated for a given set of client circumstances using each combination between the SWiP and the guaranteed income product. This starts by allocating 0% to the guaranteed income product and 100% to the SWiP portfolio and then ratchets up the increments in the allocation to the guaranteed income product in 5% increments (e.g. 95% SWiP/5% Annuity, 90% SWiP/10% Annuity, etc.).
The Probability of Ruin, Expected Shortfall and Expected Death Benefit are recorded for each allocation combination. These statistics are then reviewed to find the allocation that balances minimizing Expected Shortfall and Probability of Ruin while meeting an Expected Death Benefit constraint (e.g. 20% of initial wealth at death). The client circumstances that need to be included are age, gender, desired withdrawal rate and a portfolio risk level.
Changing any of these characteristics can change the allocation to VAs. For example, let's take changing the withdrawal rate. If a client desires a high withdrawal rate, then VAs (or nothing much else for that matter) probably aren't going to do very much for the client's chance of success. If the withdrawal rate is really low, an annuity might not be needed at all, because the chances of the client running out of money during his lifetime are very small.
Given all the different inputs and characteristics needed to determine how much to allocate to a VA, it is difficult to show much other than a few examples. To do that let's look at two simple cases, a male age 65 and a couple age 65. For both examples we will start with a VA with a 5% GLWB with a 400 basis point fee and look at how that fits with an asset allocated portfolio with roughly a 50/50 stock/bond allocation.
Two Examples
First, let's look at the 65-year-old male and assume he wishes to leave nothing behind as a bequest. The allocations change depending on how much of his overall wealth he wishes to spend each year (his overall withdrawal rate). If he can live on a 3% withdrawal rate then the optimal allocation to the VA is zero. However, if his withdrawal rate is between 4% and 5%. the allocation goes up to 50%. At a 6% withdrawal rate the allocation to the VA drops to 15% and disappears again at anything higher. If he changes his mind and would like to target leaving 30% of his wealth behind as a bequest, then he really does not allocate anything to the VA unless his withdrawal rate is in the 4% range.
For the 65-year-old couple, let's assume they also initially do not want to leave anything behind and they use the same 50/50 stock bond portfolio. At a 3% withdrawal rate they should allocate nothing to the VA, at a 4% withdrawal rate they should allocate 50% to the VA, at a 5% withdrawal rate, 25% should go the VA. For withdrawal rates much above that the allocation to the VA falls to zero. If they change their mind and wish to target that same 30% of wealth as a bequest then they should not allocate to the VA at all no matter what their withdrawal rate.
Yes, this process is complicated, but by looking at these kinds of statistics the advisor can combine a VA with living benefits and a regular asset-allocated portfolio and, using Monte Carlo, can measure how well the combinations do along those dimensions.
View the complete series of blogs on what advisors don't know, but should, about variable annuities


text:
To enter, please visit Craft & Culture's store and choose your favorite item. Leave a comment about that item below.
For an extra entry you can follow C&C on Facebook.
Good luck!
Other Stories
100 comments:
I absolutely love the Rainbow Dress because it is so versatile. I could wear it to work and for a night out with friends. Also, it seems to be a timeless piece.ReplyDelete
My favorite item is the "Tiny Tetrahedron Necklace". Like that Style.ReplyDelete
I LOVE this: http://www.bloglovin.com/frame?post=1020748721&group=0&frame_type=a&blog=2033787&link=aHR0cDovL3d3dy5hbWVycnltaXNoYXBibG9nLmNvbS8yMDEzLzA1L2dpdmVhd2F5Lmh0bWw&frame=1&click=0&user=0ReplyDelete
Soo pretty and raw. Followed on Facebook.
Since you chose the giveaway from the jewlry section of C&C, I looked through the same, and I must say I was impressed with the pieces by Kria, so very archetypal and nostalgic, emotionally stirring in a sort of autumnal way and beautiflly raw branches and bones.If I'd have to choose, I would probably choose the Brass Fish Jaw Cuff shown here: http://www.craftandculture.com/kria-html/brass-fish-jaw-cuff.htmlReplyDelete
Thanks for present this brand, my favorite item is the ring "Marmod8-Drop Sterling" Silver Ring(http://www.craftandculture.com/jewelry/drop-sterling-silver-ring.html), I love this simple shape.
Thanks to open it to international readers because I'm from France and actually I'm in Copenhagen.
What an amazing store! Almost impossible to choose just one favorite item (beyond the bracelet above!) but am really in love with the Elaine Ho Faceted Smoky Quartz Double Ring. So unique, so cool and makes a major statement without trying too hard. Love it.ReplyDelete
(Am also following on Facebook)
In addition to the one you're showing this is my favorite: http://www.craftandculture.com/jewelry/silver-fever-bracelet.htmlReplyDelete
Whishing you a beautiful day:)
Hunter Gatherer Firestarter Layered Twig Necklace unites the beauty of nature with the hard elegance of gold, bringing me back to my childhood adventures with a golden coating!...ReplyDelete
I love her! I met her at the Fashion event at the Scandinavian Museum in Ballard, WA. She does a marvellous job!ReplyDelete
WELL...MY FAVORITE ITEM REALLY IS THIS GRAND IDEA BRACELET, &c. by Meghann Sommer... SO, WINNING IT WOULD BE AMAAAAAAAAAAAAZING!ReplyDelete
So let's see if my luck changes! ^^ReplyDelete
I specialy love the Air Castles necklace by Meghann Sommer, it's simple, layered and i have a thing about quartz crystals!
Crossing my fingers ;)
the skull ring par marmod8ReplyDelete
I really love the bracelet you have shown here! I also like Elaine Ho's Tetra Necklace.ReplyDelete
My favourite item on Craft & Culture's online store are the Marble leggings by Actual Pain
Thanks for the awesome competition and beautifully inspiring posts! X
Love this giveaway!!ReplyDelete
My favourite from Craft & Culture's store is giantLION's bracelet:
"Double Skull Cuff in Bronze"
( craftandculture.com/whatsnew/giant-lion-double-skull-cuff-bronze.html )
Im in looove ;)
I lost myself in Jade Mellor Lapis Blue Hewn RingReplyDelete
I like everything! but this necklace has been chosen! (http://www.craftandculture.com/huntergatherer/tri-force-alchemy-necklace.html)ReplyDelete
Thanks for the "international" opportunity!
good weekend!
I love the Eon paper bag skirt. And all the dresses by Ilana Khon obviously. Something you can happily wear everyday!ReplyDelete
I think my favorite is actually this "Grand Idea" bracelet. Thanks for the great giveaway!ReplyDelete
My favourite item is the faceted branch bangle hand made by Jessie Harris. Instead of polishing the material into a shiny piece, she left the roughness of the material. You can see that this is a unique piece.ReplyDelete
Love this!ReplyDelete
Also really like the burgundy clutch by Scout and Catalogue.
What a great shop. I am browsing the jewelry and love the Elaine Ho thorn studs.ReplyDelete
I already have a custom obsidian ring similar to her ring settings, so the thorn studs would set that off well.
Thank you for your Giveaway! It's not easy to reply in english when you come from Belgium.ReplyDelete
So Definitively my favourite item is the Grand Idea (like as the picture) by Meghann Sommer. It's just beautiful, handmade, not colorfull but with sweet colors. PERFECT for this Spring!
If I was the winner i would be LUCKY.
See you soon.
After looking at literally everything on that site, my favorite item is actually the bracelet in your post. It's clearly sold out for a reason!ReplyDelete
That said, I wouldn't kick a set of Aoko Su Prism earrings outta my bed.
I love Tiny Tetrahedron Necklace. Its simplicity enchants me. Well, I think all the jewelery share the same beautifully eclectic design, but I just can't resist a 3D triangle like that one, can I?ReplyDelete
Love the Elaine Ho necklaces!ReplyDelete
I love the Lili bag!ReplyDelete
The Elaine Ho 'Tetra' necklace - beautiful, I love it, JxReplyDelete
I love the Thick Band Crystal Ring by Jessie Harris!ReplyDelete
My favorite item is the Golden Rutilated Quartz Double Ring - so pretty!ReplyDelete
it's so hard to pick a favorite because there are so many awesome things, jewelry and clothes! the gap crystal ring by jessie harris is one of the pieces i loved & the mesh leggings!ReplyDelete
i love the entire website! but i especially love the Elaine Ho Pyrite & Quartz Double Ring.ReplyDelete
follow on FB as Marsha RothermanReplyDelete
I LOVE the Cross Quartz Necklace. Thanks for telling me about Craft and Culture! I've never been to their site and it looks like they are going to be eating up my wallet!ReplyDelete
x Bianca
The Ora bags are amazing (the Sadie bag particularly: i'll take one in every color, thank you), but of course i really like the giveaway bracelet. a grand idea indeed!ReplyDelete
This giveaway is super awesome:)!ReplyDelete
I love this ^ ^: Kellie Riggs /San Luigi Pointed Cuff
Thanks for the international opportunity!
so much good stuff to choose from! i do like their Hunter Gatherer bangle bracelet set, the Aoko Su gold dagger earrings, and the Cute + Broke shape leggings.ReplyDelete
I love the Aoko Su prism earrings. Very CoolReplyDelete
I'm tied between the Sceptre studs and the fox necklace. They have so many nice things!ReplyDelete
I like the milly dress!ReplyDelete
oooh! i love the genevieve savard no. 315 bag and about 1000 other things! i love finding out about this shop! thanks for such a great giveaway!ReplyDelete
The Bronze JAw Necklace for sure! I love how creepster and awesome it is. And I love the bracelet! :)ReplyDelete
What a lovely giveaway! I love the 'Jessie Harris Skinny Band Crystal Ring'. Such a pretty piece!ReplyDelete
i'm really loving scout and catalogue's nomad scarf in indigo. so gorgeous.ReplyDelete
Love their Milly dress!ReplyDelete
I love the bronze blade earrings, such an unusual shape!ReplyDelete
LOVE the Helicopter NY? Sweater! I don't care if summer is coming, I would find a way wear it without oversweating!!!ReplyDelete
aoko s simple gold chain is my favorite right now. thank you for this opportunity to win such a nice piece of art:ReplyDelete
I do love the sadie in pink bag by Ora.ReplyDelete
Would like to wear it this spring!
giantLION's geometric rings are calling my name!ReplyDelete
As I love to wear unique earrings, the teardrop quartz earrings by Elizabeth Patterson are to die for! The mix of metals and rough quartz show both beauty and raw nature...gorgeous!ReplyDelete
As I love to wear unique earrings, I am drawn to the tear drop quartz earrings by Elizabeth Patterson. The mix of metals and rough quartz show both beauty and raw nature....love that!ReplyDelete
I am so in love with the NY? Sweater by Helicopter. Bold and beautiful.ReplyDelete
I also liked them on fb!ReplyDelete
Jade Mellor - White & Copper Metallic Resin Bangle. Simple but complex.ReplyDelete
I like the Milly dressReplyDelete
Along with the stunning bracelet, I love the Genevieve Savard Linen Crystal Tote Bag. Beautiful shop!ReplyDelete
I'd love to have the Hunter Gatherer Bangle Bracelet Set!ReplyDelete
I just discovered amm recently - and love it! THANKS!ReplyDelete
There are a lot of really pretty jewelries at C&C. Even tough giantLION is the necklace i fell in love with. minimalistic, but awesome!
Kria sea claw necklace!ReplyDelete
I love the Jade Mellor Lapis Blue Hewn Ring, feels like having a portable greek island on your hand, just look at it and get lost in the sea ...ReplyDelete
I love the rainbow dress!!ReplyDelete
i love the Ouroborus Bracelet!ReplyDelete
and i liked C&C on Facebook :)ReplyDelete
I love the Ora bag - Sadie in Black - looks so soft and lovely.ReplyDelete
Liked Craft & Culture on FacebookReplyDelete
I frequent your blog and decided to try my luck, even so, get involved in the conversation!ReplyDelete
I would choose the Ilana Kohn Joey Dress. Not only because the lovely print but I also for the effortless/chic look.
I liked C&C on Facebook, will definitely be checking out their stock out more often.
Wow this store is so well curated. I love the Ovate line so much but if I had to pick right this second I would go for the Helicopter NY? Sweater. That's the sort of thing I live in.ReplyDelete
I want it all wow but I think I will choose the joey dress :)ReplyDelete
My heart just did a little jump when I saw the "joey dress" by Ilona Kohn. In addition, it nicely fits to the bracelet. Would love to wear that style!ReplyDelete
I love the Antler Earring by Elaine Ho. Sadly, it's sold out, but it looks incredible. It's one of those pieces that wouldn't get noticed at first, but it's so intricate and weird.ReplyDelete
the kind of jewellry I most like are bracelets - so i felt completly in love with this "Grand Idea" from meghan summer. But also the necklaces are soo wonderful...ReplyDelete
So many nice items!!! But I really liked the Annoukis Lili bag.ReplyDelete
A lot of beautiful and cool stuff, but I think my favourite is the Ellen Harness by Hopeless Lingerie.ReplyDelete
It's gotta be the Annoukis bags! I am blown away by the craftsmanship, and I can't resist sleek black with a little texture...ReplyDelete
I really love the Mañana Clutch in Burgundy Snake.ReplyDelete
carolinebock1 at yahoo dot com
I love the Kellie Rigs cuffs!ReplyDelete
I fell in love with the Hunter Gatherer Bangle Bracelet Set.ReplyDelete
Love the style of this shop! I'd choose the Ovate white Twisted Seam Mesh Legging to match with the white topp, plus the cool Skull ring by Marmod8.ReplyDelete
You need a bit of punk rock in your life sometime!
love this http://www.craftandculture.com/jewelry/giantlion-free-form-memory-ring.htmlReplyDelete
so simple, so clean
wow, everything on that site looks fantastic! i think the elaine ho sceptre pendant is my favourite though.ReplyDelete
i can be contacted at firstname.lastname@example.com
I love the Kellie Rigs cuffs too . San Luigi Pattern Cuff is my favorite!ReplyDelete
i adore the hex bracelet!ReplyDelete
It tough to choose, but ...ReplyDelete
Jessie Harris - Thick Band Crystal Ring
I absolutely LOVE the Elaine Ho Tiny Tetrahedron Necklace - so beautiful and cool at the same time! Laura.ReplyDelete
I am in love with the Elaine Ho Pyrite & Quartz Double Ring. I wish it wasn't sold out! I have special love especially for double finger rings :)ReplyDelete
So hard to choose one! But one of my faverites is skull ring by marmod8, super cute!ReplyDelete
Marbled Grey Resin Ring - splendid!ReplyDelete
I love simple clean jewelry so my favourit item is, of course, the Brass Hoop Necklace by giantLION. Sliver and brass, so beautiful!ReplyDelete
Oh gosh, so many amazing things!!ReplyDelete
I really love the giantLION Point ring, so simple and perfect, one you could wear everyday :)
Love the Sadie pink bag!ReplyDelete
the scout and catalogue nomad scarf is divine.ReplyDelete
- AnonymousMay 12, 2013
i really like drifting arrows moyenne vein one piece swimsuit. thanks for hosting the giveaway.ReplyDelete
Would love the Tiny Tetrahedron Necklace for my wife.ReplyDelete
I love the ORA bags!ReplyDelete
I love the Elaine Ho Caged Quartz Three Necklace & the Actual Pain Marble leggings! Thanks for the giveaway :)ReplyDelete
I also liked them on Facebook.ReplyDelete
Love the Jade Mellor black & pyrite resin ring!ReplyDelete
- AnonymousMay 12, 2013
Don't normally accessorize, but this - Kellie Riggs Small San Luigi Rounded Earrings - I feel like I could put on with anything I wear: formal/casual/serious/lazy.ReplyDelete
- AnonymousMay 23, 2013
what a GORGEOUS piece. the Isobel & Ezra earrings are killing meReplyDelete
Thank you for your comments, I love hearing from you!
Questions, comments or sponsorship inquires, please contact me via the 'contact' link.


text:
Seamless Ownership
Pickup & Delivery simplifies vehicle ownership. It's an effortless and personalized experience that gives you back your most important asset—time.
Here's How it Works
We'll pick up your vehicle when it's time for service and drop it off when the work is complete. We'll also lend you a complimentary Lincoln in between—so your time remains distinctly yours.
You specify the time and location, and we do everything else. With convenient texts or emails, we'll keep you informed and up to date regarding your vehicle's status. Then, to complete the experience, we'll deliver your Lincoln back to you washed, serviced and ready for your next journey. When it comes to owning a Lincoln, we make it simple.
Discover the Ease of Pickup & Delivery
- Pickup and Delivery service available for 2017 Lincoln vehicles. Service is available for retail and warranty repairs.
- Service fee may be incurred if pickup location is more than 20 miles away from your preferred dealership. See your Lincoln dealer for details.
Contact Us
Sign up to hear from one of our service representatives about how Lincoln Pickup & Delivery can accomodate you.


text:
Star Fruit (1 Pound Bag)
Product Details
- Store in a cool, dry place for 1-3 months if not refrigerated. If refrigerated, shelf life is up to 6 months.
- This product is certified Kosher Pareve.
Star Fruit (1 Pound Bag)
Dried Star Fruit also called Carambola are a sweet and delicious treat. Dried Star Fruit - Net WT. 1 Pound.
Star fruit, sugar, citric acid, sulphur dioxide. May contain pits and/or pit fragments
Corporate Discounts
Choose our Gift Tins, Gift Boxes and Gift Baskets as the way to send Holiday greetings from your company to clients, associates and friends.
Our Corporate discounts are available on orders of $600 and more; we offer a 5% discount on orders above $600 (Coupon Code "Corp05"), a 10% discount on orders above $1,500 (Coupon Code "Corp10") and a 15% discount on orders above $5,000 (Coupon Code "Corp15"). Corporate discounts cannot be combined with other sales and/or promotions.
Your gifts can be shipped to one location or to multiple locations using our Multiple Addresses checkout option. If you prefer, you can also e-mail us your address list using our corporate order form to email@example.com and we will be happy to drop ship your gifts for you. We can also include a Personalized Greeting Card at no additional cost.
Click here to use our corporate form
Standard Shipping to lower 48 states is Free on orders of $500 and up going to (1) location
Shop now and we'll ship you order when you want; simply note your preferred delivery date at the checkout.
Need to send a Greeting Card with your Gift! Not a problem, you can add a Greeting Card with a custom message at no additional fee. Greeting Cards can be added during checkout.
With our standard delivery service, orders ship within 1 business day. Orders shipped UPS Ground arrive in less than 6 business days to most locations. If you are concerned about your orders arriving in time for a holiday or special event, please take advantage of our Express Shipping. We offer Next Day Air, 2 Day Air and 3 Day Select. Check our Shipping policy for more information.
Note: It's never too late to let someone know you're thinking of them. But if it's too late to get your gift there on time, send an E-Certificate! All you need is the recipient's e-mail address and we'll do the rest. Your gift will arrive in their inbox a matter of hours with your personal message (or on a date of your choosing). It's perfect for last minute purchases.
Due to the perishable nature of our chocolate and candy, we take special care to ensure delivery in perfect condition. If the temperature in our area or yours is above 70F, we only allow shipping using expedited methods (2 Day Air and 1 Day Air) and each box is packed with special insulation and gel ice. There's $5 charge added to the shipping fee to cover for the cost of the added insulation and gel ice. During the summer months, to prevent chocolates and candy from sitting on a truck over a weekend we only ship chocolates and candy Monday, Tuesday and Wednesday.


text:
Cookies are enabled for your browser on this website.
To disable cookies for this website click this link. Please be aware that this may limit some of the functionality within this site.
If you choose not to accept cookies we will remove this website's cookie from your computer. We will remember this preference until your temporary session expires, this is usually when you close your browser. When you revisit this site we will have no way of knowing your preferences and you will be seen as a new visitor and cookies will be enabled.
We are committed to providing you with a productive and privacy-friendly website experience.
Most websites use cookies. Cookies are very small text files that are stored on your computer when you visit a websites.
We use cookies to make our website easier for you to use and for collecting information to help us understand how our site is used. You can remove any cookies already stored on your computer, but these may prevent you from using parts of our website.
If you would like to read more see our privacy policy
* All vehicle images and car descriptions on this site are for illustration and reference purposes only and are not necessarily an accurate representation of the vehicle on offer.
E: email@example.com
Tyson Cooper Ltd
Unit 1 Brightwell Barns
Waldringfield Road
Tyson Cooper Ltd are a credit broker and not a lender, we are authorised and regulated by the Financial Conduct Authority. Registered No : 687541
Registered in England & Wales with company number : 06695627 | Data Protection No : Z1940408 | VAT No : 979224380
Registered Office : Unit 1 Brightwell Barns, Waldringfield Road, Ipswich Suffolk IP10 0BJ
Copyright © 2020 Tyson Cooper Ltd, All rights reserved.


text:
Aqua GT (New & Sealed) - Dreamcast
Aqua GT (New & Sealed) - Dreamcast
Aqua GT is powerboat racing game. It features three modes: Championship, Arcade and Two-player.
Championship mode is the main single player game, where you advance through the Bronze, Silver and Gold Championships. In the Arcade gameplay mode you have to beat the clock. In two-player split screen mode you go head to head against another player.
There are 5 boats to choose from, and you can unlock another 15 while progressing through the game. All boat vary in speed, acceleration and handling.
The tracks are set in canals of major cities, like London, Amsterdam and New York. Each track has a high or low tide, and you can race at day time or during the night time.
Buy Aqua GT (New & Sealed) - Dreamcast now from Fully Retro. Shipping to Australia and New Zealand.
|Aqua GT (New & Sealed) - Dreamcast
|East Point Software
|Take-Two Interactive
Covid-19 update
We're still open for business as usual, and shipping games out to you in these difficult times. Given the global lockdowns, there are understandably delays in items being received. Whilst we have not yet revised dispatch / delivery estimates whilst we learn more about the impact that Covid-19 is having on postal services. In the meantime, we would ask that you are as patient as possible, and understand that we are doing everything we can to get your items out to you as soon as humanly possible.
Stay safe and keep gaming! :)
Free Shipping
Shipping is free on all games throughout Australia and New Zealand.
All items can be shipped throughout Australia and New Zealand, and to the rest of the world. Please add items to your basket to see your delivery charge if you are outside of Australia or New Zealand.
Dispatch Times
Items are dispatched within 3 working days unless otherwise stated. Your estimated dispatch date will be shown at checkout. Some items may be in stock at our supplier and require a transfer to our dispatch centre before being sent, these will all have a later estimated dispatch date shown in your basket and on your order confirmation. Please note that these dates are estimated, and whilst we always aim to meet and often exceed these dates, there will be the occasional item that is dispatched slightly later than the estimate.
Shipping Times
Shipping times are approximately 14 days to Australia and New Zealand.
Shipping Internationally is as follows:
Europe: 7-10 days
Rest of the World: 14 days
Delivery Costs
Delivery costs vary by item, but as standard to Australia are:
Games: FREE
Accessories: FREE
Consoles: FREE
Handheld Consoles: FREE
Delayed or missing items
If you have not received your item within the timeframe estimated on your dispatch confirmation, please contact us, and we will be happy to look into this for you. There can be delays caused by weather, holidays, and postal and customs backlogs. These are thankfully fairly uncommon, but please do not be alarmed if your item is a little late. On the incredibly rare occasion that an item is found to be lost, a replacement will be provided.
Please ensure that you check your delivery address before buying. We cannot be held responsible for lost items where an incorrect address has been provided.
Cancelled orders
If you need to cancel an order before it has been sent, please let us know. Note that cancelled orders due to a change of mind are subject to a 5% fee to cover Paypal fees for refunded transactions.
If you are unsatisfied with any of the items received (which we hope, due to our high standards, would never happen) please let us know within 7 days of receipt, as we can usually offer a replacement.
Please ensure that you do contact us first for a return authorisation code, as returns will not be accepted without this.
Stock coming soon


text:
Posted By
- Contact seller
- -----
- Brookhaven, MS
2018 Chevrolet Silverado 1500 LT $39,850
Strong, capable and built to stand the test of time. When you need to get things done, you want a xxxx Chevrolet Silverado xxxx. While strength, durability and dependability are in the DNA of every Silverado, each trim in this powerful lineup has distinct traits that make it stand out from every other truck on the road. Whether its a day at the job site or a weekend at the lake, Silverado offers a quiet cabin with the perfect blend of space, comfort and convenience. Steering wheel controls are conveniently placed, even allowing for hands-free phone calls and messaging. Silverado xxxx has a lineup of small block engines equipped with 3 proven fuel-saving technologies Active Fuel Management, Direct Injection and Continuously Variable Valve Timing to provide the perfect blend of efficiency and capability. Built with high-strength steel, a durable pickup box and available trailering technologies, Silverado offers strength and durability along with the confidence you need when youre putting 12,500 pounds. of best-in-class V8 max trailering capability to work. Stay steady with StabiliTrak which automatically detects a swaying trailer and applies both the vehicle and trailer brakes to help bring it back in line.
- Make:
- Chevrolet
- Model:
- Silverado 1500


text:
Among the most influential people in the industry are the researchers, economists and consultants whose work shapes the way advisors do business these days. Whether shattering long-held beliefs like the 4% withdrawal rule or breaking new ground with behavioral finance and the next generation of advisors, the people featured here are supporting advisors with vital research to improve their practices.
Others, like Elliot Weissbluth and Mohamed El-Erian, are leading firms with unique business models and that interpret behavioral finance to understand how it applies to investment strategy and client relationships.
The Alliance for Registered Investment Advisors
Clockwise from top left: John Furey, principal, Advisor Growth Strategies; John Burns, principal, Exencial Wealth Management; Jeff Concepcion, CEO, Stratos Wealth Partners; Ron Carson, CEO, Carson Wealth Management Group; Brent Brodeski, CEO, Savant Capital; Neal Simon, CEO of Highline Wealth Management; Matt Cooper, president, Beacon Pointe Wealth Advisors
Individually, the names that make up the Alliance for Registered Investment Advisors (aRIA) are impressive; together they form a powerhouse of industry thinkers bringing valuable practice management research to independent and wirehouse advisors.
"As an industry, we don't talk enough about who's doing transactions and deals," Furey, aRIA's managing member, told Investment Advisor. "Our group is doing deals, and then we're sharing our knowledge for free with the industry. We're walking our talk because transactions are happening, and we're proud of that."
Read more about aRIA here.
Founder, Angie Herbers, Inc.
When she started her company 12 years ago, Angie Herbers envisioned a research firm that provided some consultative work. Today, it's a prominent consulting firm with a distinct research division that supports the solutions developed by Herbers and her team at Angie Herbers Inc.
One of those solutions is to a problem Herbers has been describing for some time. "I have been talking about a coming talent shortage in the industry for years," she told Investment Advisor. "Now, we are at a serious crisis stage of the talent shortage. In order for any advisory firm to keep their growth momentum, they absolutely have to be able to attract talent to serve the clients they add."
Read more about Angie Herbers here.
Co-Founder/CEO, HighTower Advisors
HighTower Advisors' unique business model is just one aspect of what sets the firm apart. Elliot Weissbluth, the firm's co-founder and CEO, compared the future prospects of wirehouse firms and independent firms like his. "Do the incumbent firms servicing the majority of investors have the prescience and the commitment to invest and change their businesses" to meet the needs of the next generation of investors? "No," he told Investment Advisor, because the independent firms "are significantly ahead in innovative technology and solutions, and the big firms are playing catch-up and may never catch up."
Read more about Elliot Weissbluth here.
CEO, Pershing Advisor Solutions
In 2003, when Tibergien first began writing for Investment Advisor, he wrote, "I've found that like most professionals, financial advisors are well-trained to help their clients, but receive no formal education about how to make a living doing it." Since then, he has urged advisors to become more than just good planners to be successful. He has challenged them to be not just good business people but true leaders as well.
Read more about Mark Tibergien here.
Professor, Texas Tech University
Withdrawing just 4% of a retirement account each year has long been considered a safe way to take distributions in retirement without exhausting the account too quickly. Michael Finke challenged that idea earlier this year, calling the success of the 4% rule an "anomaly."
"The supposedly safe methodology isn't as safe as it was in the past," he told Investment Advisor. "Withdrawal rates will need to be modified and more dynamic to coincide with expected longevity and provide protection and income should retirees live for longer than 30 years."
Read more about Michael Finke here.
CEO/Co-CIO, PIMCO
As a leader of the firm that brought the phrase "new normal" into the popular investing lexicon, El-Erian understands that the investing environment today is far more volatile than it was pre crisis.
"For this reason, I believe it is important to invest for the long-term within clear risk parameters, seeking to maximize an investor's potential without being held hostage to tactical traps and harmful unconscious biases," he told Investment Advisor. "To this end, and in addition to our work on unconscious biases, we have incorporated for quite a while now insights from behavioral finance. This speaks not only to investment strategies, but also product design, client interactions and the manner in which we organize our firm."
Read more about Mohamed El-Erian here.
Olivia Mellan is a well-known speaker and couples therapist whose "money harmony" concept explains that everyone has a money personality. When the relationship individuals have with money is out of balance, according to Mellan, the amount they have will do nothing to get them back in shape.
"Advisors need help," Mellan told Investment Advisor, in learning "how to listen to clients with patience and empathy and to help them lighten the emotional charge" around money. "When people come into therapy, I ask them, 'How do you feel about being here? What do you hope to get out of it?' I think advisors should ask these same questions" because the answers will help set up the expectations for success for the planning relationship.
Read more about Olivia Mellan here.


text:
Lightweight Jackets
Promote Your Brand Year Round with a Soft Shell Jacket
Turn employees and clients into walking billboards with custom branded promotional lightweight jackets. Every time a recipient wears your company's promotional lightweight jackets they are exposing every single person they encounter to your brand and your services. Through every impression, your company's brand recognition increases. And, one of the best characteristics of promotional lightweight jackets is that they can be used throughout every season so your company logo is promoted year round, rain or shine. During the spring and fall, promotional lightweight jackets give you the perfect amount of warmth during the brisk morning and evenings. During the winter, your promotional lightweight jackets can be the windproof shell to your heavy winter jacket! And, during those stormy summer days, use waterproof promotional lightweight jackets to stay completely dry. The many functions of this promotional apparel piece makes it an ideal gift or giveaway to effectively promote your brand all year long.
Outfit the Company with a Lightweight Jacket
Keep your employees corporate apparel in-line with your branding requirements by designing customized promotional lightweight jackets for all. It is especially difficult for large corporations to maintain their company's brand image through out all promotional materials. However, promotional lightweight jackets come in a wide range of colors and styles so your marketing department can choose the best color combination and style for your branding needs. Similarly, promotional lightweight jackets can be completely customized, so your company can add whatever text or images they choose- on multiple jacket locations. Another great feature of promotional lightweight jackets are its' wide range of sizes and cuts. It is impossible for everyone at the company to have the same body size and shape. To accommodate a company's diverse environment, promotional lightweight jackets can be ordered from size X-Small to 6X-Large. So keep your team stylish, comfortable, and in-line with your branding efforts by distributing promotional lightweight jackets to every employee.
Increase Brand Loyalty with Promotional Lightweight Jackets
Studies have shown that customers and clients feel more loyal to a company that distributes promotional items and gifts with purchase. Additionally, brand loyalty increases with the quality and functionality of the promotional piece. To impress your clients, consider distributing promotional lightweight jackets. These promotional items are highly practical, because recipients are able to use them as a lightweight jacket or to stay dry and warm during those stormy and or windy days! With many different styles available, a company has the ability to decide what features they want to include on their promotional lightweight jackets. Also, they can customize the giveaway to target specific clients. If a majority of their clients are under the age of nineteen, and are female they may want brightly colored promotional lightweight jackets over the more traditional navy, black, or brown. Corporations looking to outfit employees may be drawn to more reserved styles. Whatever your goals may be, promotional light weight jackets are effective and functional promotional tools for every occasion.


text:
The Shopping Lark #171
Each Friday, Reading Lark is going to feature some new releases each week to help give you some ideas of what to buy next. This is not an exhaustive list of this week's releases - just some novels that caught our eye. Feel free to share what books you're excited about that came out this week in our comments section.
YA Releases for the week of 5/25-5/31:


text:
Cooper Touchpad Executive Bluetooth Keyboard Folio for Vodafone Smart Tab 4G
Cooper Cases
Tablets are great, unless you actually need to get some work done, when you soon discover that typing on a touchpad is a bit like eating with chopsticks - it can be done, but there's an art to it. The Cooper Touchpad takes the frustration out of drafting text and keeps the screen smudge-free thanks to its fully functional touchpad. And the ultra-slim keyboard can be removed from the attractive, businesslike case for when you want to leave the office behind. It also comes with a mouse touchpad for easy navigation that will work great with Android and Windows tablets (but not so much with Apple, who don't play nice with other people's mice).
- Universally fits tablets in the 7-8'' range, including Vodafone Smart Tab 4G
- Smooth faux-leather finish leaves a professional impression in meetings
- Comfy microfiber interior cushions your tablet
- Removable magnetic keyboard for when you just want that hot-looking case
- Secure buckle strap lock and kickstand for hands-free viewing
- Wireless Bluetooth connection with 10m range (so you can walk from the kitchen to the living room without losing connectivity)
- 78 scissor-cut keys with US QWERTY layout
- Range of handy hotkeys for volume control and more
- Touchpad designed with multi-touch gesture technology that supports left/right clicks, 2-finger swipes for scrolling, pinches for in/out zooms, plus other Windows 8 & 10 built-in gestures
- Charges full via USB in 2-2.5h and lasts up to 60h of uninterrupted typing time
- Claws expand from min. 4'' to max 5.1'' inches in width, and from min. 6.5'' to max 8.4'' inches in height .
- Universal design
- Built-in touchpad with multi-touch gesture support
- Compact US English QWERTY keyboard
The Cooper Touchpad is modeled after the Executive Keyboard portfolio, which aims to bring the traditional typing experience back for tablet users. This mobile office is easy to carry around weighing in at just 297g/10.4oz (the rough equivalent of two iPhones). It comes with a Bluetooth connected, magnetically secured keyboard that also lets you roam in a 10m radius and has four stretchy claws that neatly secure any tablet type thinner than 0.4" and leave all buttons or ports fully accessible.
|Model Name
|Touchpad Executive
|Vodafone Smart Tab 4G
|Business, Mens, Womens, School
|Cooper Cases
|Keyboard, Folio
|Budget $1 - $39
|Dimensions (WDH).
|8.6 x 0.9 x 5.7 in
|Exterior Material
|Bluetooth, Keyboard, Touchpad, Stand, Universal
Shipping Rates
- Free Shipping for orders over $40 (except oversize)
- Air Mail from Hong Kong is $6.95 (7-14 business days)
- Standard shipping from local warehouse is $6.95 (2-7 days)
- Local shipping available in USA, Canada, Western Europe, Australia, Japan and UAE
- Oversize shipping from local warehouse is $18.95-$29.95 (2-7 days)
- Expedited shipping with DHL/UPS is $18.95 from Hong Kong
- Expedited shipping also available from local warehouses
Simple Shipping
Customer service shouldn't stop at checkout. When you order from Tablet2Cases you get the total package. That means from A to Z, start to finish, either you feel good or we failed. Shipping is no exception. If you have any questions about your package, just contact us any time day or night and we'll get the answers you need.
Orders process in less than 24 business hours. If you order $40 or more, it's free. That's right, free shipping on all orders over $40! Orders over $40 automatically ship from the nearest warehouse to you.
Air Mail is the cheapest shipping method. In USA, Canada, Western Europe, Australia and UAE you get local shipping (ie USPS, Canada Post, etc). It's slightly more expensive than Air Mail, but faster because it's dispatched from a local warehouse. It's only available while stocks last. For super fast delivery, use shipping with DHL / UPS for guaranteed delivery within 1-3 days.
Our Peace of Mind Promise
Our #1 priority is your peace of mind. We stand by products we sell. No matter what the product warranty says, we'll cover it and everything else.
No holds barred, no ifs, no ands, no buts. If you have a problem, we will solve it. Whatever it takes.
We're here for you. Peace of mind. Promised.


text:
Thunder's extensive range of premium LED Driving lights, Light Bars and Work Lights will keep you safe all year round. Whether you're on the work-site or campsite you can rely on Thunder to keep you well lit. With anti glare technology, Thunder will light the way.
If websites aren't your thing, send us an email for one of our Thunder experts to get in contact with you for product knowledge, warranty claims or any clarification.
- Sort by Date


text:
April kept the Twitterati of the finance world in top form.
When a bombing killed three people and injured hundreds at the finish line of the Boston Marathon, Americans took to Twitter, watching the aftermath of the attack unfold in real time as journalists and other observers unearthed a cascade of details (some more accurate than others). The stream of breaking news continued for weeks—near the end of the month, hundreds of tweets with the words "Boston bombing" appeared every hour.
The month also brought its share of market antics. Gold plunged, Bitcoin took a wild ride and one of the most influential economic policy papers in recent memory got called into question by a simple spreadsheet error. A Syrian group hijacked The Associated Press' Twitter feed, posting fake reports of explosions at the White House and causing a blink-and-you'll-miss-it $200 billion crash of the S&P 500—it quickly recovered.
Meanwile, Sallie Krawcheck threw a punch in the battle of the sexes, the Reformed Broker Josh Brown got snarky about Spanish unemployment and Bill Gross opined on the pomp and pageantry of stock trading.
Here are 15 of this month's best finance tweets:
Tweets on a variety of economic topics:
Bloomberg News (@BloombergNews) April 26, 2013
Dzhokhar Tsarnaev moved to same federal medical prison where Raj Rajaratnam is serving sentence | bloom.bg/11HUtic
PIMCO (@PIMCO) April 22, 2013
(PIMCO's Bill Gross, left)
Gross: Opening bell ceremonies rather comical really. People clapping for themselves making money. For now that is.
Alan Moore, MS, CFP® (@R_Alan_Moore) April 15, 2013
To the person who found my website by googling "Should I cash in my 401k to pay off student loans?" the answer is No… you shouldn't
Sallie Krawcheck (@SallieKrawcheck) April 12, 2013
Well, there you have it…It's Official: Men Can't Read Women's Emotions zite.to/Yxjcqh via @zite
Anil Dash (@anildash) April 12, 2013
Google launched a feature letting you choose what happens with your data after you die. Toughest part of building it was the user testing.
Downtown Josh Brown (@ReformedBroker) April 26, 2013
Spanish unemployment hits 98%, for 18-35 year olds 126%.
On the plunge in gold prices:
John Melloy (@CNBCMelloy) April 23, 2013
Goldman's short #gold call on April 10 (which they now closed) netted clients 10%. Not a bad bone to throw to the muppets for 6 days work.
Barry Ritholtz (@ritholtz) April 25, 2013
@traderneal My trading never depended on narratives or secret info. As we said on Trade Desk: "Dont know/Dont care /Ain't wearin underwear"
On the spreadsheet error found in Carmen Reinhart and Kenneth Rogoff's seminal paper on economic growth and government spending:
Justin Wolfers (@justinwolfers) April 17, 2013
In response to Rogoff-Reinhart's Excel error, which led them to ignore 5 of 20 countries, many critics seem to be advocating ignoring all 20
Moshe A. Milevsky (@RetirementQuant) April 18, 2013
(Moshe Milevsky, left)
Inspiring story for students….and quite embarrassing for professors (Note to self: Double Check Spreadsheets.)reut.rs/11ga48p
Matt Yglesias (@mattyglesias) April 26, 2013
Reinhart & Rogoff try to call backsies on their austerity-mongering: slate.com/blogs/moneybox…
On the market crash following the hacking of The AP's Twitter account:
Craig Trudell (@crtrud) April 23, 2013
Take a look at what happened to the S&P 500 as market reacted to hack of AP's Twitter account pic.twitter.com/vi7yqCRSBp
On Bitcoin:
Adrian Chen (@AdrianChen) April 10, 2013
if there was a currency backed by schadenfreude it would be absolutely exploding right now
Charles (@c50x) April 12, 2013
Until I see a rapper wearing Bitcoin chains, I'm sticking with gold.
David Clinch (@DavidClinchNews) April 10, 2013
We can laugh at Bitcoin but real guys, in real basements, are losing real fake money right now.
What's your favorite finance Twitter feed? Did we miss any good ones? Leave your thoughts in the comments.


text:
Hamilton, Australia
1 guests, 1 room
- PriceINR INRINR onwardsupto INR
- Hotel Stars1 Star2 Stars3 Stars4 Stars5 StarsOther Properties Properties
Hotels in Hamilton, Australia
Search Listing Header
Price displayed is for the total number of nights and rooms excluding taxes
- Sort byRating
- InterMiles
- Price
- Rating
- Map view
- Favourites
Oops! We currently cannot find a match! Please try refining your search
0 filters added
Your Preferred Brand of Hotels
Deal Preference
Stay Partners


text:
Talk about your Neighborhood and all that!
If you are looking for a Neighborhood, speak up in here!
Looking for serious derby NH...
5 Hours Ago
Looking for more Neighborhood members to join your Neighborhood? Do it in here!
All active members are...
Discuss about the Derby in here!
This week's Bingo...
1 Hour Ago
Use this control to limit the display of threads to those newer than the specified time frame.
Allows you to choose the data by which the thread list will be sorted.
Order threads in...
Note: when sorting by date, 'descending order' will show the newest results first.
Forum Rules


text:
Join free now!
It is free to search locals your area
Numerous emergent and clashing political, international and cultural elements have actually lead to Saudi males being popular clients of prostitutes. The result of various aspects definitely associates to guys resorting to prostitutes in neighbouring Bahrain or other nations. Not all customers have a 'ignoring' objective towards prostitutes, however unfortunately numerous do exclusive, pornstar, vip, high class, incall/outcall, reviews, 24 hour, near, 18 years old, vivastreet, backpage, craigslist.
In my case, I have actually ended up being the caretaker to some Saudi trainees. Frequently, as I've stated previously, sex is not the prime goal of these Saudi customers. One customer welcomed me to his house so he might prepare me a Saudi banquet of kabsa.
This theory does not use to older Saudi guys, since they are normally wed, and hence their thinkings for going to prostitutes are various than the trainees. I have less experience with older (over 35) Saudi guys due to the fact that they are a rarity in my city.
An intriguing short article was composed, called "Arab's Got Prostitution," which goes over the wide-spread usage of prostitutes amongst Khaleeji guys. While there are numerous "bad" customers who see prostitutes as sexual things to utilize in a neglectful sense, there likewise exists "great" customers who recognize our difficulties and treat us with regard and humbleness.
escort agency Womerah 2756 NSW, escort service Womerah 2756 NSW, local escort Womerah 2756 NSW, independent escorts Womerah 2756 NSW, escort girl Womerah 2756 NSW, adult, cheap, mature, bbw, vip, cougar, granny blonde, brunette, female, black
The prostitute is an outlet for their denied sexual desires, and a prostitute is more practical and available than attempting to discover sex somewhere else (clubs, bars, etc). Rather, they will yearn for a girlfriend-like relationship where they can get love and care from a female, rather than a simply business-transaction from a prostitute. The truth I am a prostitute from a comparable culture certainly affects their desire towards me.
Your Question: Why do some males choose prostitutes for sex?
The prostitute is an outlet for their denied sexual desires, and a prostitute is more hassle-free and available than attempting to discover sex in other places (bars, bars, etc). Numerous emergent and contrasting political, international and cultural aspects have actually lead to Saudi males being popular customers of prostitutes. The result of many elements definitely associates to guys resorting to prostitutes in neighbouring Bahrain or other nations. Numerous do NOT stick to guys, since males are numerous for a prostitute. It is not a huge offer if a prostitute is unhappy with one guy, since there are plenty of guys who can change him anal, a-level, gfe, dfk, b2b, GFE, CIM, OWO, DT, Party, ATM, BBBJ, BJ, COB, COF, COT, DATY, Deep Throat, DFK, Duo, Quickie, Threesome.
There is something I believe about typically: lots of prostitutes are assertive ladies. Numerous do NOT stick to guys, since males are several for a prostitute. It is not a huge offer if a prostitute is dissatisfied with one guy, due to the fact that there are plenty of guys who can change him irish, indian, japanese, european, eastern, asian, russian, scottish, english, thai, pakistani, brazilian.
Male requirement difficulty, guys require secret ... and males require a lady to be assertive! A female who believes she can please a male by providing him, for example, oral sex daily isn't extremely difficult either. This is what, possibly, varies in between some prostitutes and 'typical' ladies; prostitutes end up being comfy with their bodies and sex appeal due to the fact that it's our task.


text:
As boomers age, their retirement ambitions are likely to include more than just trading in their winter snow shovels for a fair-weathered community in a low-tax state. That is why the Milken Institute created its Best Cities for Successful Aging Index, which they compiled in 2012 and won't update till 2014.
Last year, ThinkAdvisor published two, more extensive versions of the Aging Index: 20 Best Big Cities for Successful Aging and 15 Best Small Cities for Successful Aging. In this version we've condensed those findings, extracting the top cities of those two stories and combining them here into two categories: big metro areas and small metro areas.
Far from a list of Florida cities with cheap, and early, eats, the Milken Institute rankings (which are actually dominated by cold-weather places) take into account a wide number of variables — 78 in fact — that point to a community's health care resources, safety, affordability, comfort, ease of transportation, second-career opportunities, cultural offerings and community connectedness.
The study's authors — Anusuya Chatterjee, Ross DeVol and Paul Irving — drilled deeply. In the area of heath care, for example, they looked at the number of doctors, hospital beds, dialysis centers and more; the number of hospitals with Alzheimer's units and hospice centers; hospital expenses per inpatient day; the percentage of hospitals with medical school affiliations; and more than a dozen other factors.
They did the same for wellness indicators, financial indicators, employment and education indicators as well; they did all this for large metro areas and small metro areas, and they did this for two age cohorts — 65 to 79 and 80 and older. The result is a multivariate ranking on steroids.
"This index is a first research of its kind in the United States using public-use data that determine the overall quality of life for seniors," Milken Institute scholar Anusuya Chatterjee said, commenting on the study for ThinkAdvisor. "Ninety percent of seniors want to age in [the same] place, and this index looks directly at how cities are meeting these needs."
The big study examined two cohorts: one that included the 100 largest cities and regions and the other 259 smaller metropolitan areas. Please read ThinkAdvisor's slice of that large study: 12 Best U.S. Cities for Successful Aging.
Top 6 Small Metro Areas for Successful Aging
6. Gainesville, Fla.
Overall Score: 92.26
Age 65-79 Rank and Score: 5; 91.86
Age 80+ Rank and Score: 6; 93.25
TAKEAWAY: Home of the University of Florida, Gainesville is a vibrant town with great weather and a strong fiscal base. The university-affiliated Shands HealthCare system is one of the best in the nation. However, a slow economy and a small senior population in the metro might prevent seniors from relocating here.
5. Rochester, Minn.
Overall Score: 92.49
Age 65-79 Rank and Score: 12; 89.06
Age 80+ Rank and Score: 4; 94.34
TAKEAWAY: The Mayo Clinic, one of the best hospitals in the nation, is located here. Needless to say, this has attracted many health care providers. Safe and secure neighborhoods offer a superior quality of life. But the sluggish economy and low college enrollment are definite weaknesses.
4. Columbia, Mo.
Overall Score: 94.43
Age 65-79 Rank and Score: 4; 93.26
Age 80+ Rank and Score: 5; 94.00
TAKEAWAY: Thanks in part to a strong tax base, Columbia offers excellent educational facilities and health care. University-sponsored research is an incubator for innovation and new businesses, which gives seniors access to cutting-edge technology in health care and supports entrepreneurial activities. However, the metro is short on recreation and culture.
3. Bismarck, N.D.
Overall Score: 95.44
Age 65-79 Rank and Score: 3; 93.30
Age 80+ Rank and Score: 3; 96.26
TAKEAWAY: The capital city is reaping the benefits of North Dakota's oil and gas boom. It ranks high in senior employment, and the large service sector increases the chances of finding a job. If weather is not a high priority, Bismarck offers excellent opportunities for working seniors.
2. Iowa City, Iowa
Overall Score: 98.63
Age 65-79 Rank and Score: 2; 97.07
Age 80+ Rank and Score: 1; 100.00
TAKEAWAY: Home to the University of Iowa and its medical school, Iowa City has excellent health care, little crime and relatively few seniors below the poverty line. On the flip side, housing and rentals are pricier than the median for small metros. Although its population skews younger, the presence of a young working-age population implies a solid fiscal base.
1. Sioux Falls, S.D.
Overall Score: 100.00
Age 65-79 Rank and Score: 1; 100.00
Age 80+ Rank and Score: 2; 97.58
TAKEAWAY: With a booming economy, low unemployment and a rapidly growing financial infrastructure, Sioux Falls is a good place for seniors who want to work or start a second career. Its hospitals specialize in geriatric services, hospice and rehabilitation, and the metro has recreation and an active lifestyle. But seniors might be turned off by the inclement weather and lack of contemporaries.
Top 6 Big Metro Areas for Successful Aging
6. Des Moines-West Des Moines, Iowa
Overall Score: 98.36
Age 65-79 Rank and Score: 8; 95.71
Age 80+ Rank and Score: 6; 98.01
TAKEAWAY: Des Moines has dynamic financial services and insurance industries, and its economic outlook is bright. However, the car is still king in this midsize Midwestern city, making it difficult for seniors who no longer drive. Des Moines ranks 45th out of 100 in the transportation/convenience indicator.
5. New York-Northern New Jersey-Long Island, N.Y.-N.J.-Pa.
Overall Score: 98.49
Age 65-79 Rank and Score: 3; 97.19
Age 80+ Rank and Score: 2; 99.96
TAKEAWAY: Greater New York hosts two of the top 20 hospitals in the U.S. Despite being the nation's financial capital, it did poorly in the financial category because of high taxes and many seniors facing financial distress. If you can afford to live there, the area has all the big-city amenities — and all the negatives, too.
4. Boston-Cambridge-Quincy, Mass.-N.H.
Overall Score: 98.93
Age 65-79 Rank and Score: 6; 96.70
Age 80+ Rank and Score: 1; 100.00
TAKEAWAY: It almost goes without saying: Few places are as innovative or offer as many opportunities for education and retraining as the greater Boston area, home to more than 100 colleges and universities. For culture vultures, the area is full of theaters, historic places, lively lectures and music venues.
3. Omaha-Council Bluffs, Neb-Iowa
Overall Score: 99.46
Age 65-79 Rank and Score: 7; 96.22
Age 80+ Rank and Score: 3; 99.53
TAKEAWAY: The greater Omaha area hosts the headquarters of five Fortune 500 companies, which contribute significantly to the area's financial well-being and are a testament to its low-cost environment. The metro is becoming a health care hub for the surrounding area and a popular place for holding conferences.
2. Madison, Wis.
Overall Score: 99.95
Age 65-79 Rank and Score: 5; 96.84
Age 80+ Rank and Score: 4; 98.67
TAKEAWAY: Home to the respected University of Wisconsin, Madison is a hub of innovation and intellectual stimulation. A midsize city with its own quality health care system and cultural events, Madison and its residents also benefit from being just 150 miles from Chicago's amenities, services and consumer markets.
1. Provo-Orem, Utah
Overall Score: 100.00
Age 65-79 Rank and Score: 1; 100.00
Age 80+ Rank and Score: 7; 97.93
TAKEAWAY: Provo has a relatively young population, but more older Americans have been moving to the metro over the past decade. A learning environment and vibrant economy provide opportunities for a second career and retraining. The presence of Brigham Young University, one of the largest private universities in the U.S., and a pro-business environment make Provo the No. 1 city on our list. It also boasts a low incidence of chronic disease, thanks to healthy lifestyles and a focus on wellness. Provo is an excellent location for seniors who are relocating or hoping to age in place, with safety, security, high community engagement, quality health care, a healthy lifestyle, and opportunities for second careers and entrepreneurship.
(Read the full Milken Institute report on Best Cities for Successful Aging.)
– Check out these Top 10 lists from ThinkAdvisor: