text:
Delaware County Community College
Delaware County Community College (DCCC) is a two-year community college in the Philadelphia area that serves Delaware and Chester Counties with locations in the Pennsylvania suburbs of Marple Township, Sharon Hill, Upper Darby, Downingtown, Exton, Phoenixville and West Grove.
Find yourself here.
Public community college
Dr. L. Joy Gates Black
Dr. Monica Parrish Trent
144 full-time; 658 part-time[1]
Marple Township
Marple (Main campus)
NJCAA - Eastern Pennsylvania Collegiate Conference
PCAA
DCCC.edu
Delaware County established the Council for Higher Education in 1964. Surveys of county residents and businesses conducted by the Council confirmed the need and the support for a community college. A citizens' group, Action for the Community College, was formed in 1966 and worked diligently to obtain approval for such a college. The group had achieved its goal in 1967. Twenty-one school districts in Delaware County, which were later consolidated into eleven larger districts, agreed to become local sponsors of the college.
Delaware County Community College was officially established on March 1, 1967. The directors of Delaware County school districts elected the Board of Trustees, which then elected Mr. Donald P. Jones as their chairman. On May 23, 1967, the Board of Trustees selected Dr. Douglas F. Libby to be the first President of the college then Richard DeCosmo, and now Jerry Parker.
Sponsoring School DistrictsEdit
Exton Center
Partial funding of Delaware County Community College is provided by the school districts of Delaware County, through tax programs maintained by each respective district.
Chester Upland School District
Garnet Valley School District (Bethel residents only)
Haverford Township School District
Interboro School District
Radnor Township School District
Ridley School District
Rose Tree Media School District
Southeast Delco School District
Springfield School District
Upper Darby School District
Wallingford-Swarthmore School District (Swarthmore and Rutledge residents only)
William Penn School District
School district sponsorship allows students and residents of each sponsoring school district to access DCCC's courses and degree programs for a reduced tuition rate. Students from non-sponsoring districts pay additional tuition, while out-of-state students pay a third, even higher rate per credit.
Partnerships with colleges and universitiesEdit
Inside the DCCC campus
Delaware County Community College has dual admissions agreements with several four-year schools in the Philadelphia area, allowing students to automatically transfer after completing an associate degree. Villanova University offers a Guaranteed Admissions program and West Chester University and Temple University offer a Letter of Intent Program.
AthleticsEdit
Delaware County Community College main campus
Sport Men's Women's
Delaware County Community College is home to the Phantoms of the National Junior College Athletic Association's Division 20. The Phantoms belong to the Pennsylvania Collegiate Athletic Association and compete in the Eastern Pennsylvania Collegiate Conference.
Athletic facilitiesEdit
All students and student-athletes are granted access to the on-campus fitness center and gymnasium at the school's Marple campus. Men's and women's basketball home games are played at the Schwartz Athletic Center, located on the campus of nearby Widener University.
ChampionshipsEdit
Delaware County Community College's men's basketball team captured the Eastern Pennsylvania Collegiate Conference championship in 2012.
Notable alumniEdit
Callahan Bright, American football defensive lineman
Ken Cage, Airplane Repo
Dean Demopoulos, collegiate and professional basketball coach
Joe Hackett, member of the Pennsylvania House of Representatives, District 161 from 2011 to 2015
Mel Lindauer, Forbes Columnist and author of two investing books (The Bogleheads' Guide to Investing and The Bogleheads' Guide to Retirement Planning)
Audra McLaughlin, The Voice Season 6 finalist
^ Delaware County Community College in Media, PA
Coordinates: 39°58′00″N 75°23′30″W / 39.966793°N 75.391788°W / 39.966793; -75.391788
Retrieved from "https://en.wikipedia.org/w/index.php?title=Delaware_County_Community_College&oldid=868577677"


Our personal matrix/energy may be burdened by past relationships, old grudges and unresolved issues, by attachments to persons and things, and by the simple clutter in our lives. As these accumulate you and your environment can become psychically toxic repositories of useless and disruptive energy connections. Personal Clearings can remove undesirable energy connections between you and other people. Personal clearings can also sever ties with people in your past that are still drawing on your energy today and disrupting current relationships.
A personal clearing begins with a consultation to understand a sense of where you are, and what clearing work is necessary. Next is a session to do the clearing work (this can be done with the consultation). This is followed with an Intuitive Counseling session to explain what was experienced and how this impacts your future (optional).
My Full Personal Clearings are to assist you to identify your patterns, beliefs and people who have contributed to the blockages in your life. This includes a session, in-person or via phone or Skype to work with you to identify these areas.
It is the same as the session above, but does not include Session 3.


Can my general dentist provide me with orthodontic care? The easy answer is "Yes, a general dentist CAN offer a patient this treatment." If a dentist can align and straighten a patient's teeth with braces as well as an average orthodontist, then they are qualified to provide orthodontic treatment. Dr. Michael Payne of American River Orthodontics near Carmichael, CA has years of experience in this field, and is a dentist that is certified to provide orthodontic treatment.
Not every general dentist will offer a patient orthodontic treatment. Most general dentists refer their orthodontic cases to an orthodontist. Dr. Michael Payne says that some dentists do root canals, and some work with braces. Others refer all of their patients that require root canals or braces to another specialist.
If a dentist intends to provide orthodontic treatment in their practice, they do need to meet a certain standard of care. Dr. Michael Payne says that orthodontists receive an extra two-to-three years beyond dental school of specialized training in orthodontics. To be comparable, a general dentist would need more training and a higher level of experience. According to the Academy of General Dentistry (AGD), hundreds of orthodontic procedures are carried out by general dentists each year and that restorative care can be much more complex than just orthodontics.
If you're looking for a certified orthodontist near Carmichael, CA that can give you the healthy, beautiful smile that you deserve, then consider Dr. Michael Payne and the team at American River Orthodontics. To schedule a consultation, please contact us at our office at: 916-486-4233.


text:
<?php
/**
 * Module Name: Related Posts
 * Module Description: Display links to your related content under posts and pages.
 * First Introduced: 2.9
 * Sort Order: 29
 * Requires Connection: Yes
 * Auto Activate: No
 */
class Jetpack_RelatedPosts_Module {
	/**
	 * Class variables
	 */
	private static $__instance = null;

	/**
	 * Singleton implementation
	 *
	 * @return object
	 */
	public static function instance() {
		if ( ! is_a( self::$__instance, 'Jetpack_RelatedPosts_Module' ) )
			self::$__instance = new Jetpack_RelatedPosts_Module();

		return self::$__instance;
	}

	/**
	 * Register actions and filters
	 *
	 * @uses add_action, add_filter
	 * @return null
	 */
	private function __construct() {
		add_action( 'jetpack_module_loaded_related-posts', array( $this, 'action_on_load' ) );
		add_action( 'jetpack_activate_module_related-posts', array( $this, 'action_on_activate' ) );
	}

	/**
	 * This action triggers when module is activated.
	 *
	 * @uses Jetpack::init, Jetpack_Sync::reindex_needed, Jetpack_Sync::reindex_trigger
	 * @return null
	 */
	public function action_on_activate() {
		if ( Jetpack::init()->sync->reindex_needed() ) {
			Jetpack::init()->sync->reindex_trigger();
		}
	}

	/**
	 * This action triggers if the module is in an active state, load related posts and options.
	 *
	 * @uses Jetpack_RelatedPosts::init, is_admin, Jetpack::enable_module_configurable, Jetpack::module_configuration_load, Jetpack_Sync::sync_posts
	 * @return null
	 */
	public function action_on_load() {
		require_once 'related-posts/jetpack-related-posts.php';
		Jetpack_RelatedPosts::init();

		if ( is_admin() ) {
			// Enable "Configure" button on module card
			Jetpack::enable_module_configurable( __FILE__ );
			Jetpack::module_configuration_load( __FILE__, array( $this, 'module_configuration_load' ) );

			// Sync new posts
			Jetpack_Sync::sync_posts( __FILE__ );
		}
	}

	/**
	 * Redirect configure button to Settings > Reading
	 *
	 * @uses wp_safe_redirect, admin_url
	 * @return null
	 */
	public function module_configuration_load() {
		wp_safe_redirect( admin_url( 'options-reading.php#jetpack_relatedposts' ) );
		exit;
	}

}

// Do it.
Jetpack_RelatedPosts_Module::instance();

redpajama_set_name: RedPajamaGithub


text:
Dismissal for Refusal to Be Deposed Held Termination on Merits
An ex-client's legal malpractice action was terminated on the merits when a judge dismissed it because of his refusal to be deposed, this district's Court of Appeal has ruled.
In a decision published Tuesday, Div. Three agreed with Los Angeles Superior Court Judge Michael S. Mink that Burbank attorney Wesley Barrett "Barry" Ross
showed the underlying case in his malicious prosecution suit had been terminated on the merits in his favor. Ross established a probability of prevailing in his claim against ex-client Thomas E. Kish, and Mink therefore properly denied Kish's motion to strike Ross's suit under the anti-SLAPP law. the justices held.
Kish had brought a breach of contract and legal malpractice against Ross, who represented him in the mediation of a real estate dispute, after Ross sued Kish for $4,000 in unpaid legal fees arising from that matter. Kish's lawsuit was dismissed in response to Ross's request for a terminating sanction after Kish's repeatedly failed to comply with an order for his deposition.
Following the dismissal, Ross filed a malicious prosecution action, which Kish moved to strike under the anti-SLAPP statute designed to protect free speech rights. Mink denied the anti-SLAPP motion, finding that Ross established a probability of prevailing on his malicious prosecution claim by showing the legal malpractice suit was terminated in his favor, and that Kish sued him with malice and without probable cause.
Presiding Justice Joan D. Klein, writing for the Court of Appeal, said Mink correctly treated Kish's refusal to be deposed as a concession that his claims lacked merit.
She rejected Kish's argument that his defiance did not reflect on the merits because he was acting on the advice of an attorney friend, Jeremiah Sheehan. Sheehan, a New York lawyer, allegedly insisted that Kish not be deposed until Sheehan was admitted pro hac vice in California to represent him.
"Kish's personal relationship with Sheehan demonstrates a bias that renders Kish's claimed reliance on Sheehan's opinion suspect," Klein said. "Moreover, attendance at a deposition is a matter exclusively within Kish's control."
Kish was also "a relatively sophisticated litigant, given that he appeared in propria persona in the lawsuit against Ross and he was involved in other lawsuits," Klein wrote.
"[T]he dismissal reflected adversely on the merits of the case and constituted a favorable termination for the purpose of initiating a claim for malicious prosecution," the presiding justice added.
Because Ross showed a termination in his favor, along with malice and lack of probable cause, she said, Kish's anti-SLAPP motion was properly denied.
With regard to probable cause, the presiding justice explained that Kish's contract and malpractice claims were simply unsupported by the facts.
Where the retainer agreement set hourly fees at $250 and estimated the total fee for handling Kish's real estate matter was "$3,500 plus through mediation," Kish's claim that Ross made an oral contract not to charge him over $5,000 was not credible, she wrote.
Similarly, she said, the allegations Kish made in support of his malpractice claim held no water, Klein explained. For example, his claim that Ross failed to retain experts in time for the mediation hearing was contradicted by the fact that Kish consented to Ross hiring three experts, and received a copy of each of their reports.
Kish could not show he would have obtained a more favorable outcome in his case but for Ross's alleged errors, Klein wrote, because the mediation resulted in a settlement amount much lower than what Kish was being sued for.
The buyers of his former property had brought a $325,000 to $435,000 claim against him for failing to disclose water damage prior to the $900,000 sale. He settled the suit for $120,000, personally contributing only $25,000 toward that amount.
Klein noted the conduct of two lawyers who initially represented Kish in his suit undermined the claim that his case had merit: the first, Ruth Phelps of Pasadena, represented Kish for only two days, while the second, Jeffrey J. Merrick, substituted into the case but failed to take any action on Kish's behalf.
"[N]o reasonable attorney would have concluded Kish had a valid claim against Ross," she said, adding:
"The record in this case is sufficient to permit a reasonable trier of fact to infer Kish sued Ross in retaliation for Ross's attempt to recover unpaid fees and costs."
Justices Walter Croskey and Richard D. Aldrich concurred in the opinion.
Attorneys on appeal were Frank W. Nemecek, Ophir J. Bitton and Mark Schaeffer of Nemecek & Cole for the defendant and Mark K. Koorenny of Koorenny & Teitelbaum, with Robert H. Pourvali, for the plaintiff.
The case is Ross v. Kish, 06 S.O.S 5777.

redpajama_set_name: RedPajamaCommonCrawl


Question: Very often, students will think they understand a body of material. Believing that they know it, they stop trying to learn more. But, come test time, it turns out they really don't know the material. Can cognitive science tell us anything about why students are commonly mistaken about what they know and don't know? Are there any strategies teachers can use to help students better estimate what they know?
Answer: There are multiple cues by which each of us assess what we know and don't know. But these cues are fallible, which explains why students sometimes think that they know material better than their classroom performance indicates.
How do we know that we know something? If I said to you, "Could you name the first President of the United States?" you would say, "Yes, I could tell you that." On the other hand, if I said, "Could you tell me the names of the two series of novels written by Anthony Trollope?" you might say, "No." What processes go into your judgment of what you know? The answer may at first seem obvious: You look in your memory and see what's there. For the first question, you determine that your memory contains the fact that George Washington was the first U.S. President, so you answer "yes." For the second question, if you determine that your memory contains little information about Trollope (and doesn't include the novel series named Barchester and Palliser), you would answer "no."
But, if the mechanism were really so simple, we would seldom—if ever—make mistakes about what we know. In fact, we do make such mistakes. For example, we have all confidently thought that we knew how to get to a destination, but then when put to the test by actually having to drive there, we realize that we don't know. The route may seem familiar, but that's a far cry from recalling every turn and street name.
The feeling of knowing has an important role in school settings because it is a key determinant of student studying (e.g., Mazzoni & Cornoldi, 1993). Suppose a third-grader has been studying the Vikings with the goal of understanding where they were from and what they did. At what point does the third-grader say to him or herself: "I understand this. If the teacher asks me, 'Who were the Vikings?' I could give a good answer."
Every teacher has seen that students' assessments of their own knowledge are not always accurate. Indeed, this inaccuracy can be a source of significant frustration for students on examinations. The student is certain that he or she has mastered some material, yet performs poorly on a test, and may, therefore, conclude that the test was not fair. The student has assessed his or her knowledge and concluded that it is solid, yet the examination indicates that it is not. What happened? What cues do students use to decide that they know something?
Cognitive science research has shown that two cues are especially important in guiding our judgments of what we know: (1) our "familiarity" with a given body of information and (2) our "partial access" to that information. In this column, I'll discuss how these two cues can lead students to believe that they know material when they don't. And, in the box on page 41, I suggest ways that teachers can help students develop more realistic self-assessments of their knowledge.
The idea of familiarity is, well, familiar to all of us. We have all had the experience of seeing someone and sensing that her face is familiar but being unable to remember who that person is or how we know her.
Although familiarity and recollection are different, an insidious effect of familiarity is that it can give you the feeling that you know something when you really don't. For example, it has been shown that if some key words of a question are familiar, you are more likely to think that you know the answer to the question. In one experiment demonstrating this effect (Reder, 1987), subjects were exposed to a variety of word pairs (e.g. "golf" and "par") and then asked to complete a short task that required them to think at least for a moment about the words. Next, subjects saw a set of trivia questions, some of which used words that the subjects had just been exposed to in the previous task. Subjects were asked to make a rapid judgment as to whether or not they knew the answer to the question—and then they were to provide the answer.
If the trivia question contained key words from the previous task (e.g., "What term in golf refers to a score of one under par on a particular hole?"), those words should have seemed familiar, and may have led to a feeling of knowing. Indeed, Reder found that subjects were likely to say that they knew the answer to a question containing familiar words, irrespective of whether they could actually answer the question. For questions in which words had not been rendered familiar, subjects were fairly accurate in rapidly assessing their knowledge.
A similar effect was observed in an experiment using arithmetic problems (Reder & Ritter, 1992). On each trial of this experiment, subjects saw an addition or multiplication problem (e.g., 81 + 35) and they had to rapidly decide whether they would calculate the answer or answer from memory. If they chose to calculate, they had 20 seconds to do so; if they chose to answer from memory, they had just 1.4 seconds. Sometimes problems repeated, so subjects might have had the answer to a complex problem in memory. Subjects were paid depending on their speed and accuracy, so the decision about whether or not to calculate was important. As in the trivia question experiment, subjects were accurate in knowing when they could retrieve an answer from memory and when they needed to calculate it—except in one situation, when the experimenters repeated a two-digit problem but changed the operation (e.g., addition to multiplication). In that case, subjects were just as likely to try to retrieve an answer from memory for a problem they had actually just seen (e.g., 81 + 35) as they were for a problem they had not just seen but which used familiar operands (e.g., 81 – 35). The experimenters argued that subjects made their judgment about whether to calculate based on the familiarity of the problem components, not on the whether the answer was in memory.
A second basis for the feeling of knowing is "partial access," which refers to the knowledge that an individual has of either a component of the target material or information closely related to the target material. Suppose I ask you a question and the answer doesn't immediately come to mind, but some related information does. For example, when I ask for the names of the two series of Trollope novels, you readily recall Barchester and you know I mentioned the other series earlier; you even remember that it started with the letter P, and you believe it had two or three syllables. Your quick retrieval of this partial information will lead to a feeling of knowing the relevant information—even if Palliser is not actually in your memory.
The effect of partial access was demonstrated in an experiment (Koriat & Levy-Sadot, 2001) in which subjects were asked difficult trivia questions. If subjects couldn't answer a particular question, they were asked to judge whether they would recognize the answer if they saw it (i.e., to make a feeling-of-knowing judgment). The interesting twist: Some of the questions used categories for which lots of examples came to mind for their subjects (e.g., composers) and matching questions used categories for which few examples came to mind (e.g., choreographers)—that is, these subjects could easily think of at least a few famous composers, but couldn't think of more than one or two choreographers, if any.
These studies, and dozens of others like them, confirm two general principles of how people gauge their memories. First, people do not assess their knowledge directly by inspecting the contents of memory. Rather, they use cues such as familiarity and partial access. Second, most of the time these cues provide a reasonable assessment of knowledge, but they are fallible.
1. Rereading. To prepare for an examination, a student rereads her classnotes and textbook. Along the way, she encounters familiar terms ("familiar" as in she knows she's heard these terms before), and indeed they become even more familiar to her as she rereads. She thinks, "Yes, I've seen this, I know this, I understand this." But feeling that you understand material as it is presented to you is not the same as being able to recount it yourself.
As teachers know, this gap between feeling that you know and genuine recollection can cause great frustration. I have frequently had exchanges in which one of my students protests that despite a low test grade, he or she really knew the material. When I ask a general question or two, the student struggles to answer and ends up sputtering, "I can't exactly explain it, but I know it!" Invariably, a student with this problem has spent a great deal of time reading over the course material, yielding a lot of familiarity, but not the necessary and richer recollective knowledge.
2. Shallow Processing. A teacher may prepare an excellent lesson containing a good deal of deep meaning. But this deep meaning will only reside in a student's memory if the student has actively thought about that deep meaning (see "Students Remember ... What They Think About," in the Summer 2003 issue of American Educator). Let's say, for example, that a teacher has prepared a lesson on the European settlement of Australia and on the meaningful issue of whether that settlement should be viewed as a colonization or invasion. But, let's say that a given student did not process and retain the deep meaning intended by the lesson. He did absorb key terms like "Captain Cook" and "Aborigines." His familiarity with these key terms could mislead him into believing he was ready for a test on the subject.
Cognitive science research confirms teachers' impressions that students do not always know what they think they know. It also shows where this false sense of knowledge comes from and helps us imagine the kinds of teaching and learning activities that could minimize this problem. In particular, teachers can help students test their own knowledge in ways that provide more accurate assessments of what they really know—which enables students to better judge when they have mastered material and when (and where) more work is required.
Daniel T. Willingham is associate professor of cognitive psychology and neuroscience at the University of Virginia and author of Cognition: The Thinking Animal. His research focuses on the role of consciousness in learning.
Readers can pose specific questions to "Ask the Cognitive Scientist," American Educator, 555 New Jersey Ave. N.W., Washington, DC 20001 or to amered@aft.org. Future columns will try to address readers' questions.
Koriat, A. (1993). How do we know that we know? Psychological Review, 100, 600–639.
Koriat, A. & Levy-Sadot, R. (2001). The combined contribution of the cue-familiarity and accessibility heuristics to feelings of knowing. Journal of Experimental Psychology: Learning, Memory, and Cognition, 27, 34–53.
Mazzoni, G. & Cornoldi, C. (1993). Strategies in study time allocation: Why is study time sometimes not effective? Journal of Experimental Psychology: General, 122, 47–60.
How does the mind work—and especially how does it learn? Teachers' instructional decisions are based on a mix of theories learned in teacher education, trial and error, craft knowledge, and gut instinct. Such knowledge often serves us well, but is there anything sturdier to rely on?
Cognitive science is an interdisciplinary field of researchers from psychology, neuroscience, linguistics, philosophy, computer science, and anthropology who seek to understand the mind. In this regular American Educator column, we consider findings from this field that are strong and clear enough to merit classroom application.


text:
The Excitement Builds…Golden Globe noms announced
OK, kids … this is one of the big ones. The Golden Globe nominees were announced last week, giving us our first glimpse at what are expected to become the quintessential films and shows of 2014.
The winners in the film categories (to be announced at the Big Show on January 11, with Amy and Tina at the helm again — yay) often go on to the Big-Big Show, the Oscars, on Feb. 22… that means the Globe noms are not just a preview of award-winners to come, but also our first chance to start devising movie-themed goodies for our annual pre-Oscar party and food contest.
In fact, it's become hard for me to scan the list of nominees without automatically assigning food-puns to the actors, directors, and producers — Eggs Benedict Cumberbatch, anyone? — and even more so this year because I have yet to see most of the films. That said, here are a few early impressions:
It's nice to see Jennifer Aniston on the Best Actress (Drama) list, finally, and for a movie called Cake, too! That's an easy entry for a food contest… so no excuses, future guests. Aniston did win a Globe for her role on Friends in 2003, but she's never been among the heavy-hitters on the film side of things, and from the looks of it she has as good a chance as everyone else in the category: Julianne Moore, Rosamund Pike, Reese Witherspoon, and Felicity Jones. I dare say she might even be the favorite, with Moore nominated in another category (Best Actress, Musical or Comedy), Pike and Jones representing the newcomers, and Witherspoon starring in a film that was just released to the masses this month.
In the Best Actor, Mini-series/TV Movie category, it feels like Take Two for Woody Harrelson and Matthew McConaughey, who were already pitted against the all-powerful Bryan Cranston at the Emmys and therefore only worth a handful of beans. I personally feel like their collective moment has passed but I'm always game to hear McConaughey wax poetic about Neptune, so may the best Wood-a-been win.
Best Supporting Actress, Mini-series/TV Movie is another interesting category for performances; we've got Kathy Bates playing a bearded woman, Allison Janney playing a recovering alcoholic, Uzo Aduba as an inmate, Joanne Froggatt as a maid, and Michelle Monaghan as a cheatin' heart… it seems to be the year of the unsung hero.
One of my favorite categories, Best Song, is largely populated by the new pop elite: Sia, Lorde, Lana del Rey, Common, and John Legend are joined by veterans Patti Smith and Lenny Kaye. My pick here is Lorde for Yellow Flicker Beat (Hunger Games: Mockingjay), because it's just a great tune.
Posted in: WriterJax | Tagged: Amy and Tina, awards, golden globes, oscars, season
Grammy Thoughts
Song Lyric of the Day
"Think this through, I laid it down for you – every time" ~ Lucinda Williams
View writerjax's profile on Facebook
View writerjax's profile on Twitter
View writerjax's profile on Instagram
View writerjax's profile on Pinterest
View writerjax's profile on LinkedIn
View writerjax's profile on YouTube
View writerjax's profile on Flickr
View writerjax's profile on WordPress.org
Categories Select Category Blogtoberfest JaxSpeaks JaxVid MusiJax PhotoJax Retail Therapy SocialJax The Foodie Files TravelJax WriterJax
Read Me, Seymour
A Gardener's Paradise
Live Blogging from Boston ~ The Massachusetts Council on Compulsive Gambling
She's Got Next feature ~ Lioness magazine
Take a Bow ~ Wedding Day Sourcebook
Jax in the News
The Daily 'Dog
The American Genius
Matthew Cornell
The Jump in Your Inbox
Jax in Your Inbox!
The Stacks Select Month January 2021 December 2020 October 2020 September 2020 March 2020 February 2020 October 2019 September 2019 May 2019 February 2019 January 2019 December 2018 October 2018 September 2018 August 2018 July 2018 May 2018 March 2018 February 2018 January 2018 November 2017 October 2017 September 2017 June 2017 May 2017 April 2017 March 2017 February 2017 January 2017 December 2016 November 2016 October 2016 September 2016 August 2016 July 2016 June 2016 May 2016 April 2016 March 2016 February 2016 January 2016 December 2015 November 2015 October 2015 September 2015 July 2015 June 2015 May 2015 April 2015 March 2015 February 2015 January 2015 December 2014 November 2014 October 2014 September 2014 July 2014 May 2014 April 2014 March 2014 February 2014 December 2013 November 2013 October 2013 September 2013 August 2013 July 2013 June 2013 May 2013 April 2013 February 2013 January 2013 December 2012 November 2012 October 2012 September 2012 August 2012 July 2012 June 2012 May 2012 April 2012 March 2012 February 2012 January 2012 December 2011 November 2011 October 2011 September 2011 August 2011 July 2011 June 2011 May 2011 April 2011 March 2011 February 2011 December 2010 November 2010 October 2010 August 2010 July 2010 May 2010 April 2010 March 2010 February 2010 January 2010 December 2009 November 2009 October 2009 July 2009 May 2009 April 2009 March 2009 February 2009 November 2008 October 2008 September 2008 July 2008 June 2008 May 2008 April 2008 March 2008 February 2008 January 2008 December 2007 November 2007 October 2007 June 2007 October 2005 September 2005
#40under40
Cameron Molina
bronwynschroeder
not just another WordPress.com site
The Ministry of Happiness
Have a happy day my friends
HeyHelloHigh | Cannabis Lifestyle for Modern Women
Interviews, Recipes, Pro-Tips, and more for the Modern Stoner Woman.
Tristan Manzolini
Columbia County Current
Dedicated to all things in and around Columbia County, New York.
Victory Force Options Training, Inc.
LE use of force, leadership, and supervisory topics and discussions.
Why Are the Birds Here?
It must be the food. Maybe the wine. Is it me?
Material Whirl
EMS in the New Decade
Suzie The Foodie
Run Out of the Box
Run Coaching for Strong Women
Nichole's Adventures
telling my story, one adventure at a time
Inevitably Keely
The almost daily postings on life and all it's intricacies as I live it.
Tova Leigh
Patti Welsh
Writing the Past
http://overandunderit.com


Touchwood is treating mum's to a bit of 'me time' ahead of Mother's Day, creating a special oasis packed with relaxing treats just for them.
Set in the atrium on Saturday 23rd and Sunday 24th March, the dedicated zone will feature an impressive flower wall. Filled with fresh flowers, mums are encouraged to snap a selfie against the blooming backdrop and upload it online including a special hashtag. One deserving mum will be picked to win £500 worth of vouchers to spend on a holiday of their choice, giving both the family and the purse strings a well-earned break.
To continue taking the stresses and strains out of everyday life, pampering professionals will be offering free hand massages in a dedicated pamper area. Guests are encouraged to enjoy this moment of indulgence before picking up a free scented candle, perfect for continuing the zen mood back a home. But be quick; numbers are limited!
Mums wouldn't be truly relaxed without a glass of bubbly and sweet treat to hand. So, guests will be gifted a chocolate treat and for suggested donations, can pick up a tipple from Touchwood's special prosecco tricycle. Proceeds will be donated to charity in a nod to the centre's resident monkey, Gordon.
Best of all, it's completely free to enter! Send partners and children off shopping and relish in some well-deserved me-time. Full terms and conditions will apply to all giveaways and once the zone is full, guests will be asked to enjoy some retail therapy before returning later in the day.


Spirulina is not a new foodstuff. It was a regular part of the diet of the Aztecs, who know it as tecuitlatl. You might know it better as blue-green algae, or as the body mass of cyanobacteria if you're a marine biologist.
Spirulina has rapidly become an incredibly popular supplement. It is practically a household name at this point. It is sold as powder to add to shakes, capsules to take with breakfast, and it has even better used to fortify certain foods. Indeed, if you want to start taking this stuff, you now have plenty of options to choose from.
The reason most people take this stuff is because of its supposed nutritional benefits. Manufacturers make much of spirulina's high protein content, and consumers are lapping it up. Spirulina is also said to be high in numerous vitamins and minerals, which is why it is popular among people with dietary constraints (lactose intolerance, vegetarians, vegans, people with IBS, etc).
But some people go much further. According to some people, spirulina can treat, cure, and prevent a wide range of diseases and conditions. It is variously promoted as a cure for high cholesterol, an effective treatment for malnutrition, and as a preventative measure against ageing.
Obviously, we are highly suspicious whenever people make health claims about unregulated, natural supplements. After all, these supplements are essentially just powdered food. Their ability to affect the progression of serious diseases and conditions is likely to be nil.
What does spirulina really have to offer?
Is it as nutritionally dense as people claim?
What about the health claims? Are they substantiated by empirical studies?
In this article, we're going to answer each of these questions in turn. We'll look at the nutritional content of spirulina. We will discuss the benefits and negatives of using it as a dietary supplement. We'll then go on to examine the health claims made about spirulina, using the available scientific studies as our guide.
Do you use spirulina on a regular basis? How have you found it? Does it work for you? Why do you use it? Please share your answers in the comments section at the end.
If all anybody ever said about spirulina was that it was high in protein, there'd be no problem.
Spirulina is about 60% protein by weight. That is more protein per gram of food than beef steak, chicken breast, or any nuts. It is actually one of the most protein-dense foods on the planet. A 100g serving of spirulina will give you over 100% of your RDI of protein.
The protein in spirulina is also very high quality. It contains all essential amino acids, making it a complete protein in practical terms (any amino acids it doesn't give you can be made in the body). This is definitely a rarity among plant-derived proteins. While it isn't necessary to get all of your protein from complete sources at all, it is still a point in spirulina's favour.
On top of protein, spirulina is rich in vitamins and minerals. For example, 100g of spirulina would give you 158% of your RDI of iron, 20% your RDI of vitamin C, 70% of your RDI of niacin, 48% of your RDI of magnesium, and 20% of your RDI of vitamin B6.
Spirulina is often said to be high in vitamin B12. But there is a lot of controversy surrounding this. Some people state that the form of B12 in spirulina cannot be used by humans. They either claim that it is not absorbed in the human digestive system, or that we simply can't use it like we can the cobalamin we normally get from food. However, a study published in 2002 found that the B12 in spirulina is highly bio-available. While we need to see something more conclusive here, we suspect this is another example of supplement company propaganda seeping into the mainstream.
The best thing about all this is that this nutritional bomb is wrapped up in 0mg of cholesterol, very little saturated fat, and a hefty 900mg of omega-3 fatty acids.
So as a nutritional supplement, spirulina actually looks pretty damn good.
It seems to be easy on the digestive system. Allergies appear to be quite rare, although the phenylalanine content means people with phenylketonuria need to stay away.
It is quite cheap, and highly nutritious.
For us, this passes the test. Spirulina is a good quality dietary supplement, useful for people who struggle to get enough protein, iron and omega-3 fatty acids.
If you look at the studies, it's clear that the health claims made about spirulina are total rubbish.
The health claims made about spirulina appear to be either over-blown, born of a misinterpretation of data, or completely fictitious.
For example, the claim that spirulina has antioxidant properties is baseless. To our knowledge, there are no in vivo human studies on spirulina's action as an antioxidant. That's no studies full stop; forget about studies showing a positive effect!
Another unfounded claim is that spirulina supplementation acts as a quick cure for chronic fatigue. An interesting paper published in Phytotherapy Research in 2007 really put this bogus claim to rest once and for all: "The scores of fatigue were not significantly different between spirulina and placebo. Spirulina administered in a dose of 3 g/day did not ameliorate fatigue more than the placebo in any of the four subjects, and possibly it has no effect on chronic fatigue." (ref).
Some studies, such as this one, suggest that spirulina has the ability to lower cholesterol levels in the blood. However, like the cited example, these studies have tended to use very small groups with very specific medical conditions. The above study, for example, uses just 15 people, all of whom are living with diabetes. The study was conducted over just two months; typical for clinical investigations into spirulina.
The claims about spirulina and cancer are even more misleading. People have used a handful of studies, such as this one, to promote the idea that spirulina can help prevent or even cure certain types of cancer. Yet there is absolutely nowhere near enough evidence to support such a claim. The above cited study was an unblinded, non-randomized trial. It also looked at the administration of several substances simultaneously, one of which was an algae extract. It is absolutely impossible to use this study to say that spirulina caused the observed regression in leukoplakia.
Anybody telling you that spirulina supplementation can reliably lower cholesterol, reduce chronic fatigue or help the body fight cancer is either lying to you, or they're just too stupid to understand the available scientific data.
However, it's not all lies and misinformation with spirulina.
There are some really robust studies out there showing that it has a profound effect on immune system function, inflammation, and more.
According to this fascinating study published back in 1997, spirulina supplementation seems to inhibit anaphylactic shock in rats. Human anaphylactic shock has a similar mechanism to that of rats, so in theory, spirulina may help attenuate the severity of allergic reactions.
There is also substantial evidence that spirulina supplementation can help protect against allergic rhinits (ref). It is possible that both of these studies are highlighting a single property of spirulina; what that property is, we don't know. More work is needed here clearly!
This brought us to a paper published in the journal International Immunopharmacology in 2002. Here, researchers found that spirulina had a direct effect on the innate human immune system. They stated: "In vitro stimulation of blood cells with BCG cell wall skeleton (CWS) allowed more potent IL-12 p40 production in cells from volunteers given Spirulina than in cells without pre-exposure to Spirulina. As BCG-CWS serves as a ligand for Toll-like receptor (TLR) 2 and 4 to raise the maturation stage of monocytes/macrophages, Spirulina may be involved in the signaling responses through Toll in blood cells even when orally administered" (ref).
More research is required before we can start talking about spirulina as a powerful immune system booster. We don't know how great the effect is, or what it means in terms of disease prevention.
But we can say that spirulina does hold some promise as a general health booster, beyond the fact that it is extremely nutritious.


A very Romantic Teddy and Roses collection of Romantic Flowers In Malaga, Red Roses In Malaga and Chocolate Gifts,Romantic Champagne Gifts for Delivery in Malaga. Same Day Flowers Delivery To Malaga from our Malaga Flower Shop. Our Happy Birthday Flowers, Romance Flowers, Balloon Flower Bouquets and Anniversary Flowers, will arrive anywhere in Malaga looking fresh and beautiful ready to amaze your loved ones i n Malaga. Freshness guaranteed Always! Fast and relaible Delivery Malaga- Flowers to Malaga Itally. Send Flowers to Malaga today!Malaga-flowers is your best Malaga Florist!


Albrite Electric of NY and PA - About Us - Why Albrite Electric?
We feel we are the most qualified electrical contractor to serve your needs for many reasons. In addition to our upstanding reputation in the community and dedication to quality service, we employ only the best electricians and technicians, who are dedicated to following through on every job from start to finish, no matter how big or small. By analyzing every aspect of the job, asking you the right questions, and completing the work accurately and carefully, you can be assured that you will have an exceptional team of electricians working for you.
We appreciate and respect each and every customer for allowing us to have your business.
You can trust that your job will be completed in a timely fashion.
We guarantee that your home will be left just as clean and neat after the work is finished as when the service technician arrived.
We stand behind our technicians who are knowledgeable, friendly, clean, neat and of the highest moral character.
With a stocked and fully loaded work truck, the job will be competed as quickly and efficiently as possible.
As our customer, you have the right to know the complete price before work begins and have the option to decline if that price is not within your budget.
Are you in need of an electrical replacement or repair service in your home? Call Albrite Electric today at 607-748-2105 and let the experienced professionals provide you with a fair and honest quote.


2013 BMW F800GS sees a modest update to its adventure/enduo platform for subsequent model-year. in contrast to the F700GS, the new Bmw F800GS doesn't get a power-boost, and sports constant 798cc four-valve parallel-twin liquid-coooled motor that we've got all grown to grasp and love (and was the premise of the Husqvarna Nuda 900′s 900cc motor).
Making 85hp at seven,500 rpm, and sixty one lbs•ft of torque at five,750 rpm, the $64000 changes to the 2013 BMW F800GS return to its updated gauges, controls, and bodywork — oh, and in fact the currently normal anti-locking brakes system that BMW is pushing across its entire model line-up.
One minor amendment of note to the BMW F800GS is that the optionally lowered suspension and seat-height, that ought to be a boon for shorter riders who don't wish to be hobbled to the a lot of street-oriented BMW F700GS. that includes a 21″ spoked front wheel clad with knobbiest, BMW hopes the F800GS can still be the entry-level ADV bike of the road for riders who notice 474 lbs (214 kg) curb weights to be lightweight compared to alternative choices.
No word on pricing nevertheless, though we might be stunned to examine any important changes in that regard, particularly considering how delicate of an overhaul goes on here with the F800GS.


The MA sunshade marries a traditionally shaped hat with an exaggerated brim. The large proportions are paired back with the raw linen fabric and ease of wear.
100% natural linen. MA signature check linen blend lining.
PRE-SALE ORDERS ARE CUSTOM MADE ESPECIALLY FOR YOU. PLEASE ALLOW UP TO 4 WEEKS TO RECEIVE. YOU WILL BE NOTIFIED WHEN YOUR ORDER IS SHIPPED.


text:
Explore state by state cost analysis of US colleges in an interactive article
Jack Hollingsworth/Photodisc/Getty Images
ACT Vs. SAT for College Admissions
Maggie McCormick - Updated September 26, 2017
In the college admissions game, standardized test scores are a big deal. Though a good score isn't necessarily a guaranteed ticket into the school of your choice, it can help you achieve your goals. The ACT and SAT test different skills, so your smartest move is to take the test that's most likely to play to your strengths.
The SAT tests your ability to reason, essentially giving colleges a glimpse at your potential to achieve. It includes verbal reasoning, math and writing sections. The ACT, on the other hand, tests cumulative knowledge, including English, math, writing and science. According to The Princeton Review, a college cares more about the scores on individual sections for the SAT, while it cares about the composite score of the ACT.
College Requirements
Most colleges will accept your test scores from either the SAT or ACT. You can submit both tests scores if you feel that both are good enough to show off your skills as a student. Some colleges will also require the SAT II subject tests, while others don't require standardized test scores at all. Before you make a decision -- especially if you are paying to take a study course for one version or the other -- check the admissions requirements for the colleges on your short list.
Do You Have to Have Your ACT Score to Apply for College?
What Is a Good ACT Composite Score?
What Happens When You Don't Pass the ACT Test?
I Got a Low SAT/ACT Score – Now What?
Best for You
According to Scott White, director of guidance at Montclair High School in New Jersey in an article in the "New York Times," students who tend to be bright underachievers are likely to do better on the SAT, while those who work hard and achieve well in class are likely to do better on the ACT. Questions on the ACT tend to be more straightforward, according to The Princeton Review. Perhaps the best way to determine which is right for you is to take practice versions of each test and see which earns you the better score. Even if you can't afford to take a real exam, try mimicking real-life testing conditions while taking a practice test in a book from the library or online from The Princeton Review or The College Board. Once you've determined which test you're likely to do better on, spend extra time reviewing the sections you scored poorly on to improve your overall score.
Overcoming Poor Scores
Getting a score below the typical threshold for your college of choice is a big disappointment. All is not lost, though. If you have enough time, you can study harder and retake the test. The school will usually take the highest score you received, according to MIT admissions. Alternatively, remember that schools are looking to admit real people, not just test scores. You can overcome poor test scores by focusing on your admissions essays and recommendations.
The New York Times: ACT vs. SAT
The Princeton Review: The SAT vs. the ACT
MIT Admissions: How We Use Tests and Scores
The Princeton Review: Free ACT Practice Test
CollegeBoard: Full SAT Practice Test
Maggie McCormick is a freelance writer. She lived in Japan for three years teaching preschool to young children and currently lives in Honolulu with her family. She received a B.A. in women's studies from Wellesley College.


I know, I know. This is super late. I'm mortified to find this in my drafts, unposted. My site was down for a while (boo) and I've also been away on my travels (don't worry, more to come on that front!). Anyway, I was lucky enough to be invited to the launch of Ice Bar Rocks at the Ice Bar in London, and it was right up my street. Food & drink? Check. Something quirky? Check. Rock theme? Um hello, I am so sold!
I invited my friend Sam as my plus one and we headed over to the Ice Bar on the Monday evening. Neither of us had been before, but Sam had been to a similar bar in Thailand of all places, so she kind of knew what to expect. I really had no idea!
We were ticked off the guestlist and then we put our coats into the coat check and headed into the bar area downstairs for an introductory reception, wine, and canapés.
Helping myself to a big glass of white wine (it had been a long day after all, I'm sure!), we listened to speeches by the sculptor and the people who handle the events and PR.
The designer/sculptor was adorable; an avid rock fan himself who had been asked to create such an incredible theme out of ice.
The care they'd taken in research and planning was fascinating, and it was a great theme to celebrate their ten year anniversary. I loved hearing about the history, and I think the edginess of 'rock' as a genre is more than representative!
After eating some lovely chicken and other delicate bites, and drinking some more, we were invited up to see the actual ice bar itself. We waited outside and received our capes (it's an ICE bar. It's cold!), and we also hung out with a really awesome guy they'd hired to be David Bowie for the night!
Entering the ice bar was surreal. It felt like being in a giant igloo (not that I'd know!).
It was so quirky, and we drank champagne from ice glasses. We saw intricate carvings of skulls and tattooed women, alongside an ice throne and loads more.
I really enjoyed the experience, and it was literally very refreshing. The cold air certainly perks you up! You can't stay in the actual ice bar too long or you'll freeze, so after a while we moved on out to the normal bar once again.
We kept saying it was "so cool" literally all night; and we had to stop laughing at ourselves for being lame. No pun intended, because it really was incredible!
If you're looking for a fun Christmas night out, Ice Bar London is EXACTLY where you need to go. I just wish they'd hold a gig or two in here – that would be the icing on top of the cake!
*I was very kindly invited to the press launch by a lovely PR team working on behalf of Ice Bar London. All thoughts, words and pics are my own!
Oh woow that looks very cold, I don't think I would attend a ice bar but it definitely look interesting!


text:
HBS taps DirecTV's Rocha to lead new US subsidiary
The company is seeking to develop new broadcast opportunities in North America.
Host Broadcast Services (HBS), the television production company owned by international sports marketing agency Infront, has established a US-based subsidiary to expand its business into North America.
The new entity – known as HBS LLC – will be based in Miami, Florida, and open its premises this month.
The division will be focused on managing the current projects HBS is working on in the US, as part of its recently extended contract with Concacaf, soccer's governing body across North and Central America and the Caribbean, as well as generating new business in the territory with "future missions."
In November, HBS and Concacaf extended their partnership until 2026. The new contract enhances HBS' scope, including the host broadcast of all Concacaf major events, the development of a cloud-based archive solution and post-production service, and a training program led by HBS' Broadcast Academy.
Events under HBS' remit include the Gold Cup, W Gold Cup, W Championship, Nations League Finals, and Champions League.
HBS LLC will be led by José Rocha, who joins the company in the role of managing director.
Rocha was formerly with US-based broadcaster DirecTV Latin America, where he was vice president of development and production.
He has over 25 years of experience in the broadcast industry and will primarily lead the business development in North America for HBS.
The initial team based in Miami will be completed by Enrique Rabasco, head of production, and Matthieu Thebault, head of business administration.
The first mission to be delivered by HBS LLC will be the 2022–23 Concacaf Nations League Finals and the 2023 Concacaf Gold Cup events, to be held in June and July.
Dan Miodownik, HBS chief executive, said: "Bringing someone onboard with the wealth of knowledge that José has, specifically in the American market, gives HBS a huge head-start as we begin to study the growth possibilities in the territory.
"Combining HBS' track record and global experience with José's understanding of the US broadcast industry and his connections will be the catalyst for some exciting opportunities for us to keep evolving how we capture and distribute major sporting occasions." Rocha added: "The role of managing director at HBS in the US allows me to apply all I have learned on the receiving end of broadcast services to the benefit of others in the industry.
"HBS brings a unique approach, recognized worldwide, to major events. My job is now to identify the needs of the industry in North America and find solutions leveraging the wealth of knowledge developed by HBS over the last 20 years."
Image: Dean Mouhtaropoulos/Getty Images
Business of Formula One 2022 - Property Profile, Sponsorship and Media Landscape
Business of Liga MX 2020-21 - Property Profile, Sponsorship and Media Landscape
Global Sports Quarterly Review, Q1 2021 - Analysis of Sponsorship, Media Rights and Events
Gambling and Gaming Sponsorship Landscape in North America 2021


If you look closer at Google Play you will discover that there are certain types of apps and games that are constantly there with the only thing they do being to change a little bit here and there and maybe get a new version. Racing games are an example of such games – you can get different cars, maybe different gameplay and sound but they remain the same – racing games where you have to… race.
Groove Racer is the latest racing game to climb Google Play and as the name of the game suggests you will have to race here. We really liked the fact that the game comes with different gameplay when compared to most other games in the same class. You race a car on railway tracks – the games that we had as children some decades ago. This is what is really fresh in this game and it gets to you. Of course you have an opponent and time to beat and when you win you can advance to more complex tracks. The way you control the game is also very innovative. When you touch the display of your Android device your car accelerates and when you stop touching it the car slows down. The fun part is when you make turns as you have to be really careful not to get out of your track. If you do the game will automatically put you back on track but as expected you waste time and fall behind.
Groove Racer is a really nice racing game that will bring you lots of fun unlike many other racing games. This app is totally free and can be downloaded right now on Google Play. If you are interested you can take at it right here.


Terra State Community College has four vital areas responsible for the success of our institution. While all have differing roles and responsibilities, each one is key to the overall health of the institution.
Our Board is composed of members appointed by the governor of Ohio with the advice and consent of the state Senate.
Our Leadership team is composed of representatives from various areas of the College who support large inititatives and faculty and staff.
Our faculty are key in the success of our students. They serve as instructors, mentors, and are helping shape the next generation.
Our staff ensure that the institutional policies and procedures are adhered to while staying true to our mission while serving our students.


Lori Twining writes both fiction and nonfiction, with her stories winning awards in literary competition and appearing in several anthologies. She's an active member of many writing groups: International Thriller Writers, Crime Writers of Canada, Romance Writers of America, Toronto Romance Writers, Writers' Community of Simcoe County and Ascribe Writers. She's a lover of books, sports and bird watching, and a hater of slithering reptiles and beady-eyed rodents.


text:
ACCEPTED

#### According to
International Plant Names Index

#### Published in
Bot. Jahrb. Syst. 1:45. 1880

#### Original name
null

### Remarks
null


Everyone appreciate the distinctive design and easy of carrying the Jack Georges Toscana classico saddle bag. Don't stuff your pockets, but easily carry your wallet, keys, glasses, phone, pens, etc. inside this handy Jack Georges saddle bag. The timeless elegance of this Jack Georges Toscana saddle bag will impress you! We include FREE shipping and a FREE leather bag tag with your initials monogrammed.


Back in 2005, Constable Leanda LeVasseur formed a partnership with Lansdowne Place Mall to give approximately 25 elementary school children a chance to do some Christmas shopping. They are selected based on need, volunteer or academic achievement.
Each year, kids are picked up from their school in a limousine and taken to Lansdowne Place, where they are met by officers who become their personal shoppers for the day. Breakfast with Santa starts the day.
Lansdowne Place generously donates a $200 gift card to each child, who might arrive with a list of gifts they wish to purchase, or work with their officer to decide what to shop for. Stores in the Mall give the kids additional discounts and treats. Purchases are wrapped and tagged by mall staff and volunteers while students shop. Lunch caps off the event, followed by a limousine ride back to school.
Officers enjoy this event as much as the kids do. Many return every year and regard this event as the start of their holiday season.


A recent study in the UK showing that e-cigarettes could be more effective than NRT in helping smokers to quit. But, researchers around the world have drawn mixed conclusions from previous studies into their safety.
For example, in the US, the FDA has been very cautious when it comes to encouraging e-cigarette use. This is because, the agency claims, the long term effects are still very much unknown.
There are also fears that e-cigarettes could lead to more teenagers starting smoking – especially since so many brands offer flavours that would appeal to young people.
In the UK, however, Public Health England has recommended that e-cigarettes should be rolled out across the health service as a tool in cutting the number of smokers.
This is a view that has been supported by some, but many European countries have still taken a similar stance to the US.
With this in mind, are e-cigarettes actually safe? And when it comes to bringing down smoking rates around the world, which methods is more effective: e-cigarettes or nicotine replacement therapy?
They contain nicotine, which is a highly addictive substance. There have been reports of vaping leading to smoking.
As you can see, both methods have various advantages and disadvantages. Nicotine replacement therapy has been around longer, and therefore has proven to be safe and effective.
However, e-cigarettes have shown much higher success rates in some countries, and there are studies that support their use.
In the long run, only time will tell as to which of the two will be the most widely used and effective in reducing the harm caused by smoking around the world.


At WasteRatings, we strive to bring you the best service at the best price available. We have a wide selection of dumpster sizes in stock in Atlantic, PA, with flexible & timley pickup and delivery. Give us a call today for all your dumpster rental and roll off needs.
Extra! Extra! We now have just provided a outline of a profitable 3 Yard Dumpster in Atlantic, PA and convenience business for just about any market. Many markets present many convenience business options so it is vitally important that you look at the 6 points previously mentioned when choosing to increase investigate all disposal enterprise you have the power to employ. Be aware that the key to finding the best 3 Yard Dumpster in Atlantic, PA service is not just price but components and personal options that only you actually as the client can truly make at night points stated previously.
There are certain providers which we all pay for that seem so mediocre that it is irrelevant who we all hire. Many of us figure in which regardless of who we all hire, the end result will likely be just about the same. The ones that immediately one thinks of are things like taxi cabs, flower distribution, plumbers, and so forth. If you are carrying out any kind of makeovers or major yard operate, you might think waste bin accommodations would belong to that category too. Really though, using any of those providers you can get dramatically different results depending on who you employ.
With the summer underway inside US, most of you will be planning out to shut the initiatives delayed in the spring. Whether you have heard of the services or not, you have probably visited a situation certainly where an 3 Yard Dumpster in Atlantic, PA would make the waste convenience task easy. Dumpster rental would turn your investment ideal by saving money the risk time and money as well.
To be honest, home improvement initiatives make garbage. Lots of garbage. You've got shredded wallpaper, shattered drywall and the never ending assortment of pizza bins and shattered furniture. In case you piled everything in a pick up truck you'd be operating to dump three or four periods a day. Which is fine inside principle, but when you're operating your home advancements around your overall work schedule and each minute numbers you don't want to eliminate hours of your energy dragging the trash all-around.
Garbage is usually created from small-scale levels, including garbage development in residences and reaches large scale waste creation such as industrial along with construction spend. Homes call for constant spend disposal providers while structure sites call for disposal supervision for the duration of the position. While it would be sensible to have a permanent dumpster for your house or workplace where spend disposal can be foreseen to continually exist, this might not be a perfect solution for coping with temporary professional or structure waste. Dumpster rental could be the ideal option for controlling temporary professional or structure wastes.
Beyond that you might want to target how quickly they respond to e-mails or maybe how their particular phone service can be. That will typically reflect what sort of overall services you can expect with the company.
Nevertheless do remember in which any excess weight exceeding the negotiated car loan terms with the supplier will end up you actually in improving an extra sum, so It is constantly preferable choice to choose a little larger measured dumpster than what really is required. Another factor that must not be neglected is usually having a consult with the 3 Yard Dumpster in Atlantic, PA supplier about the debris that are allowed. It is advisable to look into the permitted along with non allowed items simply because some places go by unique regulations of giving a exception to some items like substances, gasoline, oils, and other noxious or flammable substances.
Most people look at hiring a dumpster as an expense. This particular cannot be refused, as it is expensive to borrow a dumpster from a firm. However, people rarely look at the savings of which using a dumpster offers. Businesses typically use them, simply because dumpsters are the best way to dispose off a large amount of garbage. Yet, a dumpster can also convenience the strain while on an individual's bank account. Here are 3 ways dumpsters save people money when they tackle large initiatives.
Roll off of dumpsters can normally be dropped off at with any location you desire providing it isn't triggering injustice to anyone else in the neighborhood. It is important to know the right sizing as well as time frame how the dumpster will be necessary so you can educate neighbors and or other businesses beforehand. I have to claim, roll off of dumpsters aren't the most eye catching device so enabling your fellow neighbours know is definitely again extremely important. The trash firm in which you opt for will then generate a time to often pick up and or replace your dumpster should you use up all your space.
The following is where conducting a one time move off 3 Yard Dumpster in Atlantic can quickly and financially solve your condition. You can call up and rent a unit from a firm that handles roll off of containers and earn it easy to remove those old lawn mower components or of which pile connected with sheet stone and two by simply four leftovers left over from a last creating project. As a result your clear project incredibly easy since you can get a dumpster that you can throw most type of supplies and odds and ends in to.
You have to find a company providing you garbage bins as well as disposal canisters on rent at the place of your current residence. Choosing the nearest one for yourself will let you avoid just about any exorbitant fees the companies could ask you. And you can very easily visit the firm if there is a necessity of the same.
You almost certainly have obtained the fresh new rug and it is included and the protecting plastic need to be wasted in the dumpster. In the event the drywall is completed you can set up your fresh carpeting as well as have the carpeting layers complete the task for you.
Obtain associated with the 3 Yard Dumpster in Atlantic vendor, who tells the customer advance about the goods that can be disposed into a dumpster, costs of the 3 Yard Dumpster in Atlantic as well as terms and conditions from the disposal. When you invest in associated with a firm that can present quality providers at cost-effective cost, you will realize that garbage removal about completion of your job was never this specific easy and this specific affordable.
Steps include: Figure out what size dumpster you may need. Do you need an entire sized or even a small dumpster. Think about the amount of garbage that will require to be eliminated by the finishing of the venture. Determine if you need a commercial or residential rental. A commercial rental may be needed if your contractor has been doing a huge remodelling and is taking away bricks as well as wood and so forth. Online catalogues provide every one of the answers you will require for selecting the appropriate size and design. If you live from the Washington DC location you can call for a Maryland 3 Yard Dumpster in Atlantic; you can also go online make an order as well as call. A simple removal of the complete dumpster is available. Your own construction procedure can be made less complicated with a 3 Yard Dumpster in Atlantic.
You may unique condos in Maryland, Virginia, or Washington DC and you will need to find quick next day dumpsters to rent. Irrespective of where in the world you live a dumpster will allow you to keep your challenge moving.
A reputable junk elimination company generally will provide cost-free estimates. The retail price will be based for the amount of rubbish and type connected with materials to become removed. Furthermore, applicable costs should be included in the estimate, so there are no excitement down the line.
Put together use dumpsters will not be available in just about all states. This is for all types of construction materials which often cannot be quickly separated so has to become disposed of all together. Recycling connected with waste materials is usually a true art form these days. The harder you can independent and reduce, recycle for cash and recycling, the better off everyone is. Furthermore, it does conserve your funds. It may take some extra time, however it can also be less complicated once you know exactly where you're advancing with that lumber or glass or stainless-steel or iron or bare concrete or water piping, etc.
Perhaps you only have to give you the lunch, supper and beverages for your family and pals to help you with the making of your home. Determined by what supplies you need you most likely have already pruchased around for the best products along with the best prices.
Every so often as we shop around our home and also property we the urge to execute a thorough cleaning. The urge typically happens when spring season is in the air flow, but it can happen anytime when we realize that the buildup of unused and worn out odds and ends possess just built up to be excessive.
But take into account that virtually any weight exceeding the discussed contract terms while using service provider can be you in paving a supplementary amount, so It is always more suitable option to opt for a little bigger sized dumpster compared to actually is expected. One more element that should not be neglected is always creating a check with the particular 3 Yard Dumpster in Atlantic, PA service provider regarding the debris that are permitted. It is better to check the permitted and not for permitted goods because a few countries go by different rules of providing a exclusion to some stuff like chemicals, fuel, oils, along with toxic or even flammable chemicals.
Roll off dumpsters are measured by the volume of cubic yards valuation on waste they're able to store inside, normally accessible in 10,20,30 and 40 yard products. These kind of dumpsters will be restricted not merely by the amount of real debris they're able to hold, but by the bodyweight involved also. With specially heavy components like tangible, containers must only be stuffed around half way, otherwise transporting them will become problematic.
Several junk elimination companies provide labor, and thus they'll not solely provide the dumpster and take the trash, but they'll in addition help you have items out from the home to your truck or dumpster. Look at whether you need this service depending on the scale from the cleanout and your family and also friends' ability to accomplish this heavy lifting her. It will most likely cost more, however it can get the project done swiftly. Note that when you are paying for job, especially if you might be paying on hourly basis, you may not have the ability to take the time to dig through every box and case in search of sentimental items.


Speeches — Jenny Grant Rankin, Ph.D.
Not counting her classes or media interviews, Dr. Rankin has delivered 180 keynote speeches and other presentations at 58 different venues in 7 countries. These include a TED Talk that began as a TEDxTalk at TEDxTUM and appearances at other TED events, as well as presentations at ACSD conferences, American Educational Research Association (AERA) Annual Meetings, International Society for Technology in Education (ISTE) Conference, Mensa Annual Gathering, National Science Foundation (NSF) STEM INCLUDES Conference, U.S. Department of Education conferences, and many others.
Dr. Rankin's media appearances, such as on National Public Radio (NPR), appear elsewhere (on her media page). If you prefer a list format of all speeches and presentations by Dr. Rankin, one follows below. Otherwise, use the visually robust Presentations gallery page to find speeches by topic or venue.
For a visually robust way to peruse speeches and presentations by topic and venue, visit the Presentations gallery page.
The list below includes speeches/presentations at the following 56 venues: Africa New Day Giftedness Conference; Africa New Day Teacher Burnout Conference; ACSD Conference on Teaching Excellence; American Educational Research Association (AERA) Annual Meeting; Anaheim Union High School District; ASCD Empower17 Conference; BrightTALK's International Women's Day (IWD) Summit; Buena Park School District; California Council on Teacher Education (CCTE) Conference; California Educational Research Association (CERA) Conferences; Carnegie Foundation Summit on Improvement in Education; Classroom 2.0's Learning 2.0 Conference; Comparative and International Education Society (CIES) Conference, Connect: Canada's National Learning and Technology Conference; Global Learn Conference in Berlin, Germany; Harris County Department of Education (HCDE); Illuminate Education (34 venues); Illuminate Education Equity Symposium; Illuminate Education User Conference; International Council of Professors of Educational Leadership (ICPEL) Conference; International Society for Technology in Education (ISTE) Conference; GATE Collaborative; Jaspersoft Webinar; K-12 Online Conference; KIPP LA Innovation Day; Learning Revolution Conference; Leadership Innovation Event at Montfort College, Chang Mai, Thailand; Mensa Annual Gathering (U.S.); Learning Tree University (now Corinthian Colleges); Mensa Speakers Forum; National Association of School Psychologists (NASP) Annual Convention; National College Access Network (NCAN) Common Measures Learning Community (CMLC) Webinar; National Council on Measurement in Education (NCME) Annual Meeting; National Science Foundation (NSF) STEM INCLUDES Conference (Keynote Panel); New Teacher Center (NTC) Symposium; Northcentral University Graduate Faculty of the School of Education Commencement Ceremony; OC Mensa Speakers Forum; Ohio Association for the Education of Young Children (AEYC) Annual Conference; Orange County Council for Gifted and Talented Education (OCC GATE) Annual Conference; OCC GATE Parent Nights; O'Reilly Media; OZeLIVE! Australia: Ed Tech Down Under Conference; Rocket Ready Day; Saddleback Valley Unified School District; SAGE Research Methods Video Collection; Schoolzilla Data Champion Summit; Society for Information Technology & Teacher Education (SITE) Conference; State Elevating & Celebrating Effective Teaching & Teachers (ECET2); Technology Information Center for Administrative Leadership (TICAL) School Leadership Summit; TED Talk at TEDxTUM; TIBCO NOW Conference; University of California, Irvine (UCI) Digital Learning Lab; University of California, Los Angeles (UCLA) and National Center for Research on Evaluation, Standards, and Student Testing (CRESST) Conference; University of Cambridge (Post Doc Masterclass); University of La Verne: La Fetra College of Education Commencement; U.S. Department of Education's Institute of Education Sciences (IES) National Center for Education Statistics (NCES) STATS-DC Conference; Wonder Women Tech Conference; and others.
Location: Renaissance DC Downtown, Washington, D.C.
Title: Teaser: Present Data as "Over-the-Counter"
Titles: Data Analysis, Ÿ Data-Informed Decision-Making, Ÿ Common Core State Standards (CCSS) Implementation/Etc., Ÿ Standards-Alignment, Ÿ Educational Technology, Ÿ Assessment Writing/Building, Ÿ Test Debriefing, Ÿ Classroom Best Practices, Ÿ Data Communication, Ÿ Accountability, Ÿ Compliance (e.g., Writing SARC, Writing SPSA, Writing LEP/Improvement Plan, etc.), Ÿ WASC Preparation, Ÿ Technology Training (e.g., Scanning, GradeCam, Illuminate Data and Assessment Management System, Illuminate Student Information System, etc.), Ÿ Etc.
Slides and agenda available upon request.
Titles: Leadership & Team Building Ÿ Data Analysis Ÿ Data-Informed Decision-Making Ÿ Common Core State Standards (CCSS) Preparation/Etc. Ÿ Standards-Alignment Ÿ Test Administration Ÿ Response to Intervention (RTI) Ÿ Curriculum/Instruction-Centered Test Preparation Ÿ Educational Technology Ÿ Classroom Observation ("Walk-Through") Data and Response Ÿ Assessment Writing/Building Ÿ Test Debriefing Ÿ Classroom Best Practices Ÿ Data Communication Ÿ Accountability Ÿ Compliance (e.g., Writing SARC, Writing SPSA, Writing LEP/Improvement Plan, etc.) Ÿ WASC Preparation Ÿ Technology Training (e.g., Scanning, DataDirector, Haiku, etc.) Ÿ Etc.
Slides and materials available upon request.
Titles: Data Analysis Ÿ Data-Informed Decision-Making Ÿ Standards-Alignment Ÿ Test Administration Ÿ Curriculum/Instruction-Centered Test Preparation Ÿ Classroom Observation ("Walk-Through") Feedback and Response Ÿ Test Debriefing Ÿ Bloom's Taxonomy and Rigor Ÿ Classroom Best Practices Ÿ Instruction Best Practices Ÿ Curriculum Implementation Ÿ Data Communication Ÿ Accountability Ÿ Behavior and Discipline Ÿ Compliance (e.g., CCR/CPM) Ÿ Technology Training (e.g., DataDirector) Ÿ Students (Steps to Success) Ÿ Parents (Seminar Night, Back to School Night, Open House, Awards Night, Report Card Night, etc.) Ÿ Etc.
Agendas and materials available upon request.
Titles: Data Analysis, Ÿ Data-Informed Decision-Making, Ÿ Standards-Alignment, Ÿ Pacing Guide Creation and Implementation, Ÿ Test Administration, Ÿ Response to Intervention (RTI), Ÿ Curriculum/Instruction-Centered Test Preparation, Ÿ Educational Technology, Ÿ Developing Capable Young People, Ÿ Advancement Via Individual Determination (AVID), Ÿ Assessment Writing/Building, Ÿ Test Debriefing, Ÿ Bloom's Taxonomy and Rigor, Ÿ Classroom Best Practices, Ÿ Data Communication, Ÿ Accountability, Ÿ Compliance (e.g., SARC, SPSA, LEP/Improvement Plan, etc.), Ÿ Step Up to Writing, Ÿ Jumpstart Teacher Technology Training (e.g., Microsoft Excel), Ÿ Other Technology Training (e.g., Scanning, ParScore/Scantron, EADMS, Plato, AssessmentMaster/StandardsMaster, DataDirector, etc.), Ÿ Students (Passing the Cusp, Teaching), Ÿ Parents (Back to School Night, Open House, Parent Institute for Quality Education, etc.), Ÿ How to Deliver Summer School Writing Program (Also Curriculum's Author) Ÿ, Etc.
Slides and agendas available upon request.


text:
EUPHORIA RETURN DATE CONFIRMED FOR SKY ATLANTIC
Created, written, and directed by Sam Levinson, and starring Emmy winner Zendaya, Euphoria is set to return to Sky Atlantic and streaming service NOW for its eight-episode second season from 10th January.
The brand-new teaser released anticipates the return of the Emmy® award-winning drama series.
Where amidst the intertwining lives in the town of East Highland, 17 year old Rue (Zendaya) must find hope while balancing the pressures of love, loss, and addiction.
Season 2 cast regulars include Emmy-winner Zendaya, Hunter Schafer, Nika King, Eric Dane, Angus Cloud, Jacob Elordi, Algee Smith, Sydney Sweeney, Alexa Demie, Barbie Ferreira, Maude Apatow, Javon Walton, Dominic Fike, Storm Reid and Austin Abrams.
New episodes of Euphoria will be released weekly from 10th January on Sky Atlantic and streaming service NOW.


The San Diego Comic Con countdown continues! Super7 will announce (at least) one SDCC Exclusive Vinyl Toy each weekday until the entire line has been revealed. The exclusives will only be available at Super7's booth #5245 – they will not be available on super7store.com before or after the event!
Be it ancient asteroids, impossible aging, or aerobic decomposition, you can't keep a good kaiju down! Clear the streets (and your toy shelf) as FOSSILLA RAIDS AGAIN! Joshua Herbolsheimer's part-dino, part-skeleton, part-sludge… all-kaiju creation is cast in goopy green vinyl and decorated black, violet, and metallic purple sprays along with blood red guts and bleached bones. This popular prehistoric personality is a member of the DESTROY ALL KAIJU! line of standard-sized (approximately 9" tall) vintage-inspired vinyl figures, and is able to be posed at the neck, shoulders, and thunderous thighs.
SDCC EXCLUSIVE ALIEN REACTION FIGURE REVIEW!


text:
Kepler Kills Indians
by joeypisaneschi Eastern Michigan University Jun 13, 2019
https://www.instagram.com/p/ByYx-9UATIG/
Max Kepler made history on Thursday night as he is now the only player to ever record two three homerun games at Progressive Field in its history. Kepler reached base safely in all five at-bats which included one walk and four hits, three of which were homeruns.
Cleveland came up just short of Minnesota by a final score of 5-4 as the offense combined for just four hits, including a homerun in the third consecutive game by Roberto Perez. Rookie Oscar Mercado delivered a pinch hit to left field in the ninth inning, and Carlos Santana and Tyler Naquin also chipped in with hits of their own.
Jose Berrios dominated the Tribe's offense as he surrendered just two runs on only two hits in six innings. Berrios allowed only one walk. He also recorded six strikeouts on 107 pitches, 74 of which were for strikes. The strike zone tonight was very tough to gauge as homeplate umpire Roberto Ortiz continually called pitches that were nearly two widths of the baseball off of the plate away to left-handed batters for strikes.
"Anything that can go wrong will go wrong for me lately" says Trevor Bauer after he dropped his fifth consecutive decision for the first time in his career. He now falls to 4-6 on the season. "Besides Kepler, he was pretty good" says Indians Manager Terry Francona when asked on Bauer's performance. Kepler ultimately ruined the evening for Bauer, as he claimed three of five hits allowed by Bauer tonight. Bauer did retire seven batters on strikes and was on the mound for eight innings, giving the Tribe's bullpen some much needed rest.
The Indians drop to 31-31 on the season and are now 10.5 games back of the Twins in the AL Central Standings. In head to head meetings, Cleveland and Minnesota have each won three games apiece. There are still 13 head to head meetings left in the season between the two ball clubs, so the battle is far from over.
Cleveland will have no time to hang their heads over the loss as they are now slated for a three game series against the AL East leading New York Yankees. Zach Plesac will make his third start of the season against Domingo German, who is currently 9-1 with a 3.66 ERA.
Tune in to SportsTime Ohio at 7:10 PM on Friday evening for the first pitch to see if the Tribe can right the ship and continue to cut into Minnesota's division lead.
Choosing To Come Back To The Sport That Once Broke You
The Truth About Cheerleading
by Lyndzi Hart
If You Are A Braves Fan, Now Is The Time To Get Excited To Support Them
by Nithik Balachandran
Cheap Summer Thrills
by Julie Myers
At The Ohio State University
Wear the Dang Crop Top
Zion Led Duke Dominates Kentucky
by Cole Sutton
New Look Raiders Hoping to Surprise This Season
To Me, Dance Is More Than Just Exercise Because It's A Passion
Why I've Lost Interest in NASCAR
by jmzygmunt11
BEST OF Sports
What The Word Mother Means To Me
by mgiarretto15
4 Reasons Softball Is More Interesting Than Baseball
by Madison Cabagua
Mississippi State Well-Represented in 2019 NFL Draft
by Gibson Steed
LET'S GO USWNT
by Victoria Dee
The Toronto Raptors Hope To Break Drake's Curse, But Fall Short In The Second Game Of The NBA Finals
by plalo288
E-Sports Is The New Trend, And It's Nearly As Popular As Professional Sports
by Daniel Zhu


Solutions by PortaOne enable operators, telecommunication service providers and carriers to run a broad line of retail, enterprise, and wholesale services of a single integrated software platform. The history of a company started in 1997, and now it is recognized by many customers around the globe.
Together with Emercoin, PortaOne developed blockchain-based VoIP Call exchange system. It uses blockchain technology for distributed management of routing data.


My new students, regardless of age or cooking experience, begin with a quick reference to measurements as they pertain to the size of the hand. Their hand to be specific. They made measuring cups and spoons long after women had been cooking and men had been flipping meat over an open fire, and based the measurements on women's hands.
Something else to know and consider: In the U.S. all recipes and reference to amounts are in pounds and ounces EXCEPT nutritional information on packaging, these are in Imperial measurements, grams and millimeters. Until I bought a scale, I didn't fully comprehend the amount of salt and sugar (or anything else for that matter) listed in the nutritional information on packages or in the medical community guidelines.
Here is a chart to give a better understanding to the term: "size matters" as it pertains to servings of good health.


This podcast features comedians talking the trials and tribulations of creating stand-up comedy. Have a listen as we have guests pull back the curtain on a joke of their choice and allow us to break it down until there is nothing left to hide! Hosted by stand-up comic @RyanChani.


text:
October 13, 2021 in Investing
What is an ETF? Learn the basics
James Royal @JimRoyalPhD
Bankrate.com is an independent, advertising-supported comparison service. The offers that appear on this site are from companies from which Bankrate.com receives compensation. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within listing categories. Other factors, such as our own proprietary website rules and the likelihood of applicants' credit approval also impact how and where products appear on this site. Bankrate.com does not include the entire universe of available financial or credit offers.
MoMo Productions/Getty Images
Exchange-traded funds, or ETFs, are one of the hottest investing trends of the last two decades. ETFs comprised about $4.8 trillion in assets in 2020, up from $3 trillion just three years prior. ETFs allow investors to buy a collection of assets in just one fund, and they trade on an exchange like a stock. They're popular because they meet the needs of investors, and usually for low cost.
Here's what you need to know about ETFs and why so many investors are drawn to them.
What is an ETF and how does it work?
ETFs are a type of fund that owns various kinds of securities, often of one type. For example, a stock ETF holds stocks, while a bond ETF holds bonds. One share of the ETF gives buyers ownership of all the stocks or bonds in the fund. For example, if an ETF held 100 stocks, then those who owned the fund would own a stake – a very tiny one – in each of those 100 stocks.
ETFs are typically passively managed, meaning that the fund usually holds a fixed number of securities based on a specific preset index of investments. In contrast, many mutual funds are actively managed, with professional investors trying to select the investments that will rise and fall.
For example, the Standard & Poor's 500 index is perhaps the world's best-known index, and it forms the basis for many ETFs. Other popular indexes include the Dow Jones Industrial Average and the Nasdaq Composite index. ETFs based on these funds – they're called index funds – just buy and hold whatever is in the index and make no active trading decisions.
ETFs trade on a stock exchange during the day, unlike mutual funds that trade only after the market closes. With an ETF you can place a trade whenever the market is open and know exactly the price you're paying for the fund.
For these benefits ETFs charge an expense ratio, which is the fee paid by investors for managing the fund. The advent of ETFs has caused the expense ratios of both mutual funds and ETFs to fall drastically over time, as cheap passively managed ETFs became popular.
What are the major types of ETFs?
ETFs come in a variety of flavors that cater to the needs of investors. ETFs chop up the market into industries, investment themes, valuation and other characteristics that investors care about.
Here are some of the most popular ETF categories and what they include:
Value stocks – Stocks that look cheap relative to their earnings or assets.
Dividend stocks – Stocks that pay a dividend or have a strong payout record.
Industry – Securities from companies in a specific industry, such as consumer goods.
Major indexes – Stocks based on a major index such as the S&P 500 or the Nasdaq 100.
Country – Stocks with substantial exposure to a given country.
Company size – Own companies of a given size, typically either small, medium or large.
Bonds – Bonds sliced by any number of characteristics, including safety, duration and issuer.
Commodity – Invests in physical commodities (gold, for example) or producers of it.
Inverse – Funds that go up when the price of the holdings go down, allows investors to profit on the decline of securities.
Fund managers can dissect the market into almost any number of characteristics if they think investors will be interested in buying the end product.
What are the advantages of ETFs?
ETFs offer a number of important advantages to investors, especially in terms of investment choice, ease, and expense. But ETFs are also valuable because they allow investors to "slice and dice" the investing universe and gain exposure to specific investing "themes" or industries.
Investment choice: ETFs give investors new investment choices, because they create new securities as funds. With an ETF, you can invest in an S&P 500 index fund right on the exchange, rather than having to buy a small piece of each stock.
Diversification: ETFs also allow investors to easily achieve objectives such as diversification. One fund can provide instant diversification, either across an industry or across the entire market. Investors can easily buy multiple funds that target each sector they'd like to own.
Low cost: ETFs can be relatively cheap as well, and they've only gotten cheaper over time. The weighted average expense ratio of a stock ETF was 0.18 percent in 2020, according to the Investment Company Institute, and the number has been falling for the last decade. It was even cheaper for bond ETFs, with an expense ratio of just 0.13 percent. Investors can find the largest ETFs, such as those based on the S&P 500, for much cheaper than that even. The SPDR S&P 500 Index Trust, for example, costs less than 0.1 percent.
Focused investments: ETFs are also popular because they allow investors to create exposure to specific sectors or investing themes. For example, ETFs can focus on high-yield stocks or value-priced stocks. They can target biotech stocks or companies with exposure to Brazil or India, for example.
More tax-efficient: ETFs are structured so that they make only minimal distributions of capital gains, keeping tax liabilities lower for investors.
Are there drawbacks to ETFs?
While ETFs have few drawbacks, there are some to be aware of.
Can be overvalued: ETFs can trade at a higher net asset value than their individual holdings. That is, investors may be able to pay more for the ETF than it actually owns. That said, this situation doesn't happen often and the spread is rarely wide, but it can happen. In contrast, mutual funds always trade at their net asset value.
Not as focused as advertised: ETFs do not always offer the level of targeted exposure that they claim to. For example, some ETFs provide exposure to certain countries, and they'll own companies based in that area. The issue is that often the large companies that comprise much of the fund earn a large portion of their sales from outside the targeted area. For instance, imagine an ETF that gives focused exposure to England, and to do so it owns, among many other companies, a stake in a British-based company such as Diageo, a maker of spirits. But Diageo also earns a huge percentage of its sales from outside the country. So an ETF can be much less focused on a specific niche than you would believe, given the fund's name and purported target. So you often have to look into a fund's holdings to understand what you actually own.
ETFs vs. mutual funds
While mutual funds and ETFs have similar goals to own a wide variety of assets in one security, they have many key differences, and those differences have helped ETFs thrive especially in the last decade. Here are some of the main areas where these two kinds of funds differ.
Annual expense (2020) 0.50 percent weighted average for stock funds; 0.42 percent for bond funds 0.18 percent weighted average for stock funds; 0.13 percent for bond funds
Commission May run as high as $50 at major brokers, though many brokers offer free trades on select funds Free at major online brokers
Initial minimum Often several thousand dollars unless purchased as part of a 401(k) or other retirement plan Usually just the cost of a single share, sometimes just $10 or $20, depending on the fund
Management style Active and passive Mainly passive
When does it trade? After the market closes When the exchange is open
Investment strategies All kinds, value stocks, dividend stocks, bonds, indexes, etc. All kinds, value stocks, dividend stocks, bonds, indexes, etc.
Allows diversification? Yes Yes
* According to the Investment Company Institute
The passive strategy used primarily by ETFs keeps management fees low, and this low cost is passed on to consumers in the form of low expense ratios. Over time that's put pressure on the expense ratios of mutual funds to come down in order to compete.
While ETFs and stocks both trade throughout the day, there are some key differences between the two types of securities.
A stock represents an ownership interest in a single company while an ETF holds a number of different stocks or other assets. A stock ETF may hold stock in hundreds of different companies, allowing its investors to hold a diversified portfolio by owning just one security: the ETF.
Are ETFs good for beginners?
ETFs are popular because they offer investors a lot of valuable tools and traits. And that's especially good for beginning investors.
Low minimum investment: The minimums for ETFs are usually the cost of just one share, which can vary from very little to perhaps a couple hundred dollars. Compare that with the minimum initial investment for a mutual fund, which might run into several thousand dollars. And some brokers will even allow you to buy fractions of shares, so you don't even need enough for a full share to get started.
Usually commission-free: On top of that, many brokers allow you to trade ETFs without a commission. Schwab and Fidelity are notable examples, but Robinhood also offers all the ETFs on its platform without a trading fee. So you can get in the game at a very low cost.
Thematic: ETFs also allow investors to buy into a specific investing theme easily, even if they don't know much about it. If you're not a biotech expert, a focused biotech ETF will give you exposure to the industry, so you don't have to pick and choose which companies are the winners.
Diversification: ETFs also offer instant diversification. You can buy one fund and own a specific set of companies that are focused on one area of the market, or even own the whole market. In either case, you get diversification and the risk reduction that comes with it.
Own the market: Finally, ETFs also allow you to own popular indexes such as the S&P 500, letting you "own the market" and get the market return, which has averaged about 10 percent annually over time. It's incredibly easy for investors to buy such an ETF and enjoy the market average with little investing work.
Here are some top ETFs to consider this year.
Are ETFs a good investment?
How an ETF performs depends entirely on the stocks, bonds and other assets that it's invested in. If the fund's investments rise, then the ETF will rise as well. If its investments fall in value, the ETF's price will fall, too. In short, the performance of the ETF is just a weighted average of all its holdings. So not all ETFs are created equal, and it's important to know what your ETF is invested in.
But the structure of an ETF is a good setup for investors, largely due to their low costs.
ETFs tend to have low expense ratios – the cheapest funds cost just a few dollars for each $10,000 invested. In large part, that's because they're passive investments, meaning that they use preset indexes to determine what they own, rather than paying high-priced investment managers to actively scour the market for the best holdings. The goal of a passive ETF is to track the performance of the index that it follows, not beat it.
In addition, ETFs also give you all the benefits listed above: low investment minimums, diversification, a focused or thematic investment and a wide choice of funds.
ETFs have proven incredibly popular in the last few decades, and that popularity is likely to continue. One of the most popular investing strategies – buying and holding an S&P 500 index fund – has been recommended by legendary investor Warren Buffett. While that influx of cash might hiccup when the market fluctuates, the long-term trend toward ETF investing looks clear.
The best online brokers for ETFs
The ultimate guide to virtual trading and stock market simulators
Best ETFs for 2022
Mutual fund vs. ETF: Are ETFs a better investment?
ETFs: How to invest in exchange-traded funds
Low-cost index funds: A beginner's guide
What is a bond ETF and is it a good investment?
Best online brokers for ETF investing in January 2022
Editorial Disclosure: Opinions expressed here are the author's alone, and have not been reviewed or approved by any advertiser. The information, including card rates and fees, is accurate as of the publish date. All products or services are presented without warranty. Check the bank's website for the most current information.
Maximize Your Money. Get Expert Advice & Tools. Master Life's Financial Journey.
You have money questions. Bankrate has answers. Our experts have been helping you master your money for four decades.
Our tools, rates and advice help no matter where you are on life's financial journey.
Bankrate's Averages
Privacy Policy / Your California Privacy Rights
Bankrate, LLC NMLS ID# 1427381
BR Tech Services, Inc. NMLS ID #1743443
© 2022 Bankrate, LLC All Rights Reserved.


About the Author: Dani Rodrik is the Ford Foundation Professor of International Political Economy at the John F. Kennedy School of Government at Harvard University. He is the author of Economics Rules: The Rights and Wrongs of the Dismal Science and The Globalization Paradox: Democracy and the Future of the World Economy.
Next Next post: Have You Ever Gone Undercover in an Echo-Chamber?