If you've decided to go brave, take the plunge and become self-employed, then the next step is to identify new business opportunities that are open in your industry – one that you can build and model your business. With the right entrepreneur mindset it is not difficult to spot new business opportunities, especially in today's world of technology and the internet changing our lives in revolutionary ways like never before. Here are some techniques that you can use to spot new business opportunities quickly and then respond to them.
Indeed, this isn't just for start-up businesses, the techniques discussed below can also be used to revamp or remodel your current business, helping you keep up to date and refresh your products or services.
The first and probably most important trait of a successful entrepreneur is to keep a close eye on the market. Constantly observing the markets, analyzing new trends, and exploiting new opportunities as they hit the scene. By closely monitoring the changing markets and responding to change whenever it occurs by tweaking your original business idea, you will be able to identify exactly what the new industry or marketing you are entering is looking for.
This means that to identify a successful business idea, you need to ensure you are ready and responsive to change; don't wait for others to react. Whenever you see a new trend – pinpoint what people are looking for and how you can adapt your business or idea to fit this new model and satisfy demand. This sometimes means you are one of the first to take the leap into a new market or trend, but if you've done your homework and researched it's longevity thoroughly, you can easily profit from your new opportunity.
Another tried and tested way to identify new business opportunities is to identify a problem and then come up with a solution. You can start with yourself: there is a particular product or service that you have had a problem with and you would like to have changed in a certain way. Thinking like this will introduce you to a whole lot of useful business ideas that you can use.
While it's great to have an original business idea it is not fundamental to the success of your business to go against the grain! You can establish your business like all the other successful businesses out there – just build on it by identifying a problem that exists in that current market and create a product or a service that addresses and solves the issue. After all the existing businesses are successful because there is demand for the product or service!!! Think about making improvements, changing certain aspects of a product, speeding up services such as delivery or recurring subscriptions.
So here are a couple of ways you can get new ideas and find new business opportunities. The most important point that underlies the whole process is to be responsive to change to be able to react in a positive manner, turning your business model into a worthwhile and up-to-the-minute product or service.
When it comes to blogging, WordPress is probably the most powerful and easy to use content management system that is available to create and maintain your business blog.
WordPress' excellence comes not only because it is free but also because of the large number of themes and plugins available out there which add greatly to the look and functionality of WordPress powered websites and blogs.
There are literally hundreds of fantastic plugins – snippets of codes – that are available – a great number of them being free of cost – and can be downloaded from the WordPress website.
These plugins have an extensive usefulness because they fill in the gaps of both styling and functionality in WordPress. The great thing about using plugins is you need very little knowledge of coding or web development to turn your business website or blog into anything from a superbly designed, functional website through to a supercharged e-commerce store!
The current hot topic for every business owner when discussing their website is "SEO" – search engine optimization. Yoast lets you optimize your page titles, images, meta descriptions etc. very easily. Every small business that is running a WordPress powered website should install an SEO plugin, and ensure they are optimizing posts and articles from day one, helping increase their search engine visibility.
Spam is everybody's enemy. If you have enabled comments on your blog there is every possibility you will be getting hundreds of spam comments. Akismet provides a simple and easy solution to filter out all those unwanted spam comments.
WordPress falls behind on its functionality to create and manage forms easily. Although it is paid, the Gravity Forms plugin enables you to start creating forms instantly from scratch, it is well worth the price. Gravity Forms lets you create great-looking forms in a matter of seconds after which you which you can start emailing your customers, and collecting their details.
NextGen Gallery Plugin is the most popular gallery plugin, according to WordPress. It provides a powerful solution for uploading and managing galleries of images as well as single images. The plugin comes with a wide array of options for setting up and maintaining image galleries on your site easily.
This plugin is one of high importance. You should be backing up your site on a regular basis, especially so if your site undergoes regular changes. In order to avoid losing your entire site unexpectedly it is important to have control over your backups. The BackupBuddy plugin lets you create a backup of your entire site – widgets, themes, plugins, files and databases.
With the ShareBar Plugin you can easily integrate social media functionality into your content. It adds a vertical box to posts which contains links/buttons to different social media sites. It's very easy to set up and it enhances your sites 'share-ability' factor for visitors.
The Google Analytics plugin enables you to track incoming traffic and links your WordPress site easily. It provides a powerful solution for monitoring your site's visitors and will give you statistics to assist you with targeting your audience. It also helps you find out popular pages, performance of your landing pages and conversions.
These plugins will add great functionality to any WordPress site. There are thousands of other plugins that can assist you with setting up your website. Of course, some plugins are paid but when compared with the additional functionality they bring to your site they are definitley worth the cost. Do you think these plugins are useful for your blog? Do you know of any other useful plugins? Please share below.
Business is all about taking risks and meeting challenges.If you're working hard to start or grow your business, having a motivational quote that really resonates with your current workload or situation can help you get through those challenges.Here I have compiled a list of 25 famous business quotes to inspire you and help you get through that working day.Feel free to copy them to your desktop and set as wallpaper or print later and stick on your noticeboard. Enjoy!
What are your favourite business quotes for inspiration? Please share below.
A recent article published on Forbes.com by Lisa Arthur claims that online retail sales are growing at approximately 10 times the rate of brick and mortar. This has resulted in retailers flocking to get their online share of the retail industry. Like never before, people are opening shops online for all kind of items; food items, electronic and digital products, cleaning and washing items, clothing and footwear, auto parts, accessories and so on.
So far so good; despite the growing number of people jumping at the online retail industry to grab their share what that needs to be debated is what is best for you in case you have decided to open a retail store: online or offline.
To start off we will look at the cost of opening a retail storefront as compared to an online one. Generally it costs less to open an online store as compared to opening a brick mortar storefront. You don't have to pay any rent or utility bills for your store. You will not incur any costs decorating your store and buying signage etc. You need not hire additional staff as in the case of a physical staff. All you have to pay is for your domain name, website hosting and any other web related services.
A retail store front can do better for luxury or high price items, for example; cars, jewelry, antiques etc where the buyer will physically want to see and feel the item before making the decision to purchase. For these items a retail front could appeal more to buyers and hence more profit can be generated on single item sales. With an online store you can have a more extensive selection of categories on your to sell, and can keep costs lower by passing on savings in overheads and other offline shop front expenses to your customers.
The target market with a retail storefront can be quite limited, and can make marketing efforts more difficult outside your local area, while the opportunities for marketing an online store are vast. This is because in the case of a traditional brick and mortar store your marketing is only limited to your local area, and online, you can pretty much advertise anywhere in the world and reach new customers in the comfort of their own homes.
With an online store, your horizons expand considerably. With the traditional store you are confined to the space that you have rented. You cannot change how your store looks every day. It is too costly to rebrand your store once it is done; but with an online store you can do that in minutes with the click of a mouse. However, one point to note here is that the customer loyalty with your offline store is stronger as compared to an offline one. These real life connections can be more beneficial to your business as opposed to email lists!
Finally, the competition! With an online store you will be faced with huge competition for virtually any items that you want to sell because when you decide to sell some item(s) online probably there are a dozen companies out there selling the same and they are well established!
On the other hand with an offline retail storefront you can carry out full research and due diligence and set up your business in a place where competition is lower and the footfall supports your requirements.
With tablets and smartphones making their way into our lives very fast, consumer behavior is changing unpredictably. Whether it is a leap into online retailing or an extension of a physical store on the internet retailers must respond to the change!
If you are planning your first store, take time to consider the pros and cons of online or offline commerce. Make sure you have mapped out the costs considerably and are sure you have taken into consideration the costs of opening before you go live!
In case you have decided on setting up a brick and mortar store you will certainly want to keep expenses to the minimum. You can cut expenses by lowering your marketing budget and making use of all the free of cost resources available out there on the internet. As a brick and mortar shop you yourself are obviously not tied to other brick and mortar shops for basic necessities such as shop fittings. Shop around online and cut down those costs yourself, impress your customer afterwards with a grand storefront and with the right mix of tactics you might even need a line of barrier ropes to guide the masses.
Stuck on what to blog about? Give your business blog a content makeover with these 10 simple business blog post ideas.
We are all aware that content marketing is working for businesses now, and has become a really important part of your business website. But how can you keep creating content and thinking of new things to write about?
Here are 10 business blog post ideas to help you generate some new content.
Ask questions about your audience. Encourage interaction and let your customers help define your future business blog posts!
Find an industry or topic related book and write a review for everyone to discuss.
Talk about how things are evolving in your industry and how your company is tackling this.
Let your audience in on future plans for your business and ask for their opinions and ideas.
Create familiarity and encourage your customers to identify by mentioning or relating to a celebrity – how they do something, something they have (or haven't done) or how they can teach something about your industry or topic.
Mix up the posts and Use fun images together with some great new angles for it's use.
Relate your business blog post to current trending topics on the news and display your own angle.
write an FAQ about your industry and share the knowledge!!
Talk about your staff and their position in the company. Tell your audience what they do and how they work hard to improve the business.
Are you struggling to choose your business name? Here is my collection of the top 7 free business name generators to help you create a brand name to be proud of.
Domain Name Suggestions – This section highlights several variations on your core idea.
International Domains – Sometimes a different top-level domain like .us or .co makes it easier to secure a desired name since .com is so competitive.
Related Terms – In case you're struggling to brainstorm, playing around with related words and phrases may generate fresh thoughts.
Facebook & Twitter – See posts and comments related to your idea. Hopefully seeing word association from different people sparks a new idea.
iTunes & Google Play – Check if your app name is already taken on the App Store or on Google Play.
All in all it's a great tool for brainstorming and generating your business name and will also help with checking for domain name availability too.
All essential research for your new venture!
Overall Dotomator is a great resource, and is a really great way of brainstorming new word ideas and custom word groups.
Namestation is possibly one of my favourite free business name generators and it comes with some additional resources and features to help you create a highly desirable business name.
Another awesome feature is the naming contests you can hold when you register for the site. Namestation has a large community of users, and you can hold your own business name contest, and get valuable feedback alongside new ideas for your company name.
Its great that you can also control the number of syllables your name has too! There are also options for domain name endings so you can see how your business name will look as a website.
Bust-A-Name is another great resource for generating free business domain name ideas. Primarily a domain name generator, it allows you to combine lists of words to generate new names and then helps you check the domain availability. It also has a new brand name generator tool feature.
It's a great tool if you already know how you want your business name to sound, or for sharp snappy brand name ideas to research further.
So there you have it. My top 7 resources for free business name generators. What tools have you used? How did you name your business? lets discuss!
Looking for thrifty business marketing ideas to promote your new products, services or new year offers?
Here 10 super simple yet effective business marketing ideas to advertise your business without spending a fortune!
Before you begin, even if you can't afford something professional, you can set up your own website or blog if you don't have one yet.
Using a blog for business promotion is an ideal way of marketing your business and you can easily share content and helpful resources from your blog directly to social media channels such as Facebook, Twitter, LinkedIn and Pinterest.
If you can't afford to pay a professional for building your site just go for some of the free templates that are available on the internet( e.g WordPress.org). Your website should include all the information about your product/service and a clear way for customers to get in touch.
Make sure your website has an opt-in page so visitors can subscribe to your newsletter. Email marketing lists are very valuable and provide a direct way of keeping in touch with your customers.
Anyway, lets move on to 10 cheap business marketing ideas!
Get your business website listed in search engines like Google ,Yahoo and Bing.
Make sure that you include a description of your business on any online profiles or magazine / directory listings and also remember to include link to your website or blog.
Make use of social media channels like Facebook, Twitter, and LinkedIn etc. Your profile should include a description of your business, contact details and the related keywords. Share your blog content regularly and encourage engagement.
Facebook allows you to create a business page to promote your business. You can post updates about your business, customer experiences, interesting news and offers on your page to encourage interaction with your page. You can spruce up your advertising campaign even more by buying Facebook ads,but that means you will need to spend some money!
Share videos of your products and services on YouTube and other video-sharing websites. Try to make them as informative as possible. Make a promotional video to introduce your business. Focus on the unique features and benefits of your product/services. Provide a link to your website or blog.
If you don't have a business card ready yet, get it ready now! A business card is essential for promoting your business. There are even smart phone apps which you can 'collect business cards on!' Make sure your card has your address and a description of your products and services printed on it. Hand your business card to anyone you know: family, friends, friends of friends etc. Leave some with local businesses which you think fit in with your business theme or whose customers would benefit from your products or services. Offer to do the same in return.
Create an event that fits with your business. For example, if you are about to open a book-shop you can hold a book fare event that sells books at discounted rates. Here you can take the opportunity to spread the word about your business and also get new contacts.
Don't hesitate to give information about your business or your innovative idea. Be strong and proud. Tell people your unique selling points; show them how you add value, tell people why you are better than others. Make good use of coffee chats and meetings to briefly mention what your business does, and see if you can generate leads or follow ups. You never know who your coffee buddy knows!
Write a summary about your business that best describes REAL consumer benefits and your UNIQUE offerings. Focus on what makes you stand out from the crowd. Send it to the local newspaper and other media outlets. Try to focus on generating a story, as this will help you get featured Try thinking about how the reader will benefit from the article, for example – 'How your customer benefited from your product or service' 'How your business saved your customer lots of time and money' Make sure you provide your address and contact information for follow ups.
Network! Attend seminars and events – many local business events are free now. Grab the chance to speak at corporate meetings and tell about your business. Offer free help and advice to the local school, college or university.
You can advertise your business easily and cheaply by following some or all of these steps. Use these low-cost business marketing ideas to promote your products/services. Contact relatives and friends. Arrange special events and reach people. Attend business seminars and meetings. There are so many cheap ways to promote your business – take time out from the marketing plan and choose one of these to get started on now!
Do you have any more tried and tested cheap business marketing ideas? Please leave a comment below.
Throwing your own event can be daunting, unless you work in event management! But for a lawyer, accountant, copywriter or baker it might seem out of reach. It's actually easier thank you think with a bit of planning and help, and the benefits can be enormous. Here are a few ideas to get you started.
If you are just starting out in your own business, then you may consider throwing a launch party. This won't work for all business types, so really think this through and sound out a few friends first. But if you do decide to go ahead, a launch party can be a great way to kick-start the business. Invite, friends, family and past work colleagues if appropriate. Ask them to bring at least one other person along. Whether you cover the full cost or charge a small ticket fee doesn't really matter. But pick a good venue such as a bar, café or local park and put on some food, drinks and entertainment whether that is a local band, MC or picture slide show.
The two major benefits of this event: it gets the word out in a very tangible way about your new business, plus it also shows that you are serious and can help generate leads straight away.
So you've been going for a year now, or five? Why not throw a Birthday Party for your business? This type of event follows all the same principles as the launch party above, but this time the focus is on the growth and success of the business rather than the start. You can mention any big wins over the lifespan of the business and thank key contacts that have helped you succeed.
The two major benefits of this event: you can thank people who have really helped you along the way, plus you can get some momentum going in the business again if things have slowed down recently.
This is when you win a major job. So again, it might not be relevant for all business types but if you win a major contract you could consider throwing a party similar to the ones already mention but the focus is on the project win. You can give free publicity to the client (if they agree to me named) and you can show others that you are doing so well as to win this contract.
The two major benefits of this event: You can give free publicity to your client (if they agree) and you can show the world that you mean business!
Start 2013 Positive and Ready For Success!
No matter what stage you are at with your business, start 2013 in positive circumstances and open to success. If you have been in business a while now, it is time to do some reflecting. If you are just starting out, then get ready for all the wonderful challenges that lie ahead.
Here are some tried and tested methods that work wonders to get you in the right frame of mind, and ready for success.
This is meant literally. Wherever you work, clear out your desk and work space. It is just amazing how much clearer you can think when you de-clutter. Even if you are just starting out, make sure your desk is organised.
If you have been going for a while you might already have a vision. Think about if it is still relevant. If you are a new business owner, then write down some ideas for a vision. Then set goals too. Creating a plan for the next 12 months can be incredibly motivating. Don't worry if some goals seem too big. You have to start somewhere.
Get in touch with contacts you haven't seen for a while. See what they are up to and if there is any way you can help each other out. Register for some new networking events, and meet new people. Remember, networking is not about selling your business there and then to all you meet. It is about cultivating relationships, long term, and seeing how you can help others.
You may or may not be expecting to grow this year. Even a very small, one person business can expect work flow to ebb and flow. Nothing is certain and life throws out funny things but as much as possible, try to plan for any growth, or busy times, as well as any predicted quiet times. Being prepared now means the year can be a smoother ride.
A true A-class client is not necessarily the one that pays you the most money. A true A-class client is one that pays well, sure. But also one that you enjoy working with, and who are easy to deal with. Then, once you identify the clients that make you happy, thank them. Send them a gift. Discount their next invoice. Refer them a client. Do something to show your appreciation. Next look at all your other clients and identify which ones you want to work with in 2013, and how you can get more of these A-class clients in the future.
If you run your own business, you probably work long hours. When you are not 'working' you are probably thinking about work. If you enjoy what you do, it's hard to switch off. And that is great, it's great that you are so passionate. But taking time out for you is vital. Family and friends who support you want to see you happy. So try to carve out set work hours or designated work places around the house. Don't neglect your personal life, after all running your own business should allow you to have the perfect balance.


In my apartment we have a loft bedroom and the sound carries up the 25' vaulted ceiling when watching tv or listening to music(or even talking). I am trying to figure out way to stop the sound from going up there so loudly, it is just about as loud up there as it is down below. There is a 3'x 9' opening across right above the living room and a stairway. I don't think alot of the sound comes up stairway so my main concern is the 3'x 9' opening. How can I fix this.


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Home National Eric Trump calls for Hunter Biden to be locked up as his...
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Eric Trump calls for Hunter Biden to be locked up as his dad faces impeachment
Nick Vachon
Eric Trump has been attacking Hunter Biden for the past week, while declaring himself 'scandal-free.'
At Donald Trump's campaign rally in Minnesota Thursday night, Eric Trump led the crowd in a chant of "Lock him up!" against Hunter Biden.
At the event, Trump baselessly accused former Vice President Joe Biden's son of embezzlement and suggested the infamous chant Trump supporters have used against Hillary Clinton since the 2016 campaign should now be applied to Hunter Biden.
"Maybe 'Lock her up!' goes to 'Lock him up!'" Trump said.
The audience obeyed and picked up the chant.
Trump's performance at the rally is the latest example of his personal crusade against Hunter Biden. While the rest of the news-cycle has been focused on impeachment, Trump has spent more than a week on a Fox News offensive, complaining that the media is unfairly critical of him and his siblings while letting Hunter Biden off the hook for nonexistent crimes.
In the past week, he's gone on "The Ingraham Angle," "The Story"," and "Hannity."
On Oct. 7, Trump joined "Fox & Friends" to argue that the media has unfairly targeted him despite his "scandal-free life."
"I've lived a totally scandal-free life, I've lived an incredibly clean life," he said, "and they go after me, and they go after Don, and Ivanka, and Barron, and Tiffany, and our children. For what?"
He made these same arguments in op-ed he wrote in The Hill earlier this month, accusing the media of "viciously" attacking his family.
"But can you imagine, if they were willing to try and destroy a 'kid' who dedicated his life to pediatric cancer and philanthropy, what the media would say if I had secured a $50,000 a month job on the board of a Ukrainian company, with no discernable duties, in an industry I knew nothing about, in a country where I did not even speak the language?" he wrote.
This, he insisted, is a "double standard."
Trump claimed that in less than a decade he "raised more than $20 million for terminally ill children at Saint Jude Children's Research Hospital." Despite that charity work, he said he "was viciously chastised by the Democrats and the media who relentlessly tried to manufacture stories about me, my mission, and my intentions with the charity."
However, Trump has hardly led a "scandal-free life," and his charity is under investigation.
A 2017 Forbes report found that the Donald J. Trump Foundation gave $100,000 to the Eric Trump Foundation in order to cover the cost of fundraisers held at Trump properties, a move that turned charitable donations into profit. The Forbes report prompted the New York attorney general to launch an investigation into the Eric Trump Foundation and to expand the already-ongoing investigation into his father's charity.
In the past Eric Trump had claimed that all money raised for his charity "obviously goes to the children of St. Jude." The foundation's website also assured donors that all donations went to supporting St. Jude. But the Daily Beast reported in 2018 that his foundation spent $145,000 of the $1.8 million it raised in 2016 on covering the cost of fundraisers at various Trump properties, including Trump National Golf Club in Westchester County, Trump Golf Links Ferry Point, Mar-a-Lago, and the Trump SoHo, now called the Dominick.
The Donald J. Trump Foundation, of which Eric Trump was listed as an officer, along with his siblings Donald Trump Jr. and Ivanka Trump, dissolved in 2018 under the weight of the New York State's attorney general's investigation. Eric Trump's foundation remains under investigation.
But to Eric Trump, it's Joe Biden's son who deserves the media's scrutiny for debunked conspiracy theories — and now jail time, too.
Published with permission of The American Independent Foundation.
Eric Trump Foundation
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Fresh graduate of Oberlin College with a degree in Politics. Based out of Chicago.
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redpajama_set_name: RedPajamaCommonCrawl


The study was conducted in 25 markets with a base population of 55 million. Of the survey respondents, 8.5% purchased cannabis from a legally authorized dispensary. In the past four weeks, 43% of those marijuana customers said they ate at McDonald's. The second most popular place to eat was Taco Bell (18%) and Wendy's came in third with 17.8%, just barely squeaking past Burger King at 17.6%. The (comparatively) healthy choice Subway placed fifth with a dismal 8.7%. Kentucky Fried Chicken hit the list at number six with only 5.5%. The last five of the top ten were Arby's, Chick-Fil-A, Jack-In-The-Box and Carl's Jr. (in that order).
McDonald's didn't respond to a request for comment, but the company must be aware of its unique position among a certain clientele. The company erected a billboard ad in New Mexico that read, "Usually when you roll something this good, it's illegal" with a photo of a breakfast burrito. After it received too much attention, the company took it down.
"McDonald's wins by virtue of the sheer number of locations -- by default really," said Jeff Stein, Vice President of Consumer Research Around Cannabis. "Those competitors which better understanding cannabis users and their consumer habits can certainly close the gap by integrating what they learn through their marketing efforts."
Taco Bell seems to be covertly attempting to address its choice as number two with a recent partnership with the ride-sharing company Lyft. The new Taco Mode is only available in Orange County, California, where marijuana is legal. The chain has been known to be a favorite among the late-night cannabis crowd.
Increased appetite is a well-known side effect of cannabis consumption and is often called the "munchies." The main ingredient in marijuana is THC or tetrahydrocannabinol. THC affects the brain's natural endocannabinoid system, which controls appetite among other senses. A new study published in Nature Neuroscience found that the THC made the brain think that the body had been deprived of food. Other studies have shown that THC enhances food sensitivity, so not only are cannabis consumers thinking they are hungry, but the food also tastes really good. The flavors are stronger.
The appetite side effect though is useful for people suffering from wasting disease or AIDs, where weight loss is a problem. It is also helpful for people undergoing chemotherapy and in need a remedy for nausea and also to eat more food.
There have been some attempts to cultivate strains of marijuana that counteract the munchie effect. The strain called THC-v though is difficult and most costly to achieve. There is certainly demand from female consumers who watch their weight for a cannabis that doesn't cause late night snacking.
The new report is part of a series of research market snapshots called "Cannabis Freakonomics" that covers data collected by Consumer Research Around Cannabis. "The data that we have collected has unveiled a ton of interesting findings that we would like to share with the industry," said Jeffrey Stein CEO of Consumer Research Around Cannabis. The data reinforces some stereotypes of cannabis consumers but also reveals some surprising findings.
How many people have died from smoking weed?
Smoking Weed While Breastfeeding: What Are the Risks?
With the marijuana legalization being on the rise in the U.S., there are a lot of controversial topics that need to be discussed. Marijuana use while breastfeeding is one of them. Can a mother continue to use marijuana while breastfeeding an infant? Is it harmful to a child to be exposed to marijuana? What are the real risks (if any) of smoking marijuana while breastfeeding?


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Porsche is selling an office chair for $2,499
By Gary Gastelu
How car recalls get reported
The National Highway Traffic Safety Administration (NHTSA) officially start car recalls after receiving complaints from consumers.
Maybe this will help you get your work done faster.
Porsche is selling a limited edition office and gaming chair inspired by its cars.
The seat is a collaboration with performance and racing car seat supplier Recaro.
The high-back chair resembles those found in high-end sports cars, complete with the pass-through holes meant for shoulder harnesses.
Porsche and Recaro are offering a limited-edition office chair. (Porsche)
Porsche says it's built on a lightweight aluminum frame and upholstered in breathable fabric that provides a "pleasant seat climate at any temperature."
The height, backrest and armrests are fully adjustable, and it rides on "copolymer-reinforced" castors.
The chair is upholstered in breathable fabric. (Porsche)
The integrated anti-submarining seat ramp and the firm lumbar support also ensure a relaxed posture and relief for the back, even on long days of gaming or working at home," Porsche says.
It's embroidered with Recaro and Porsche logos and features the black, red and gray color scheme of the automaker's racing teams.
The height, backrest and armrests are fully adjustable. (Porsche / Fox News)
In tribute to the brand's most iconic model, only 911 will be sold for a very Porsche-like $2,499 each.
RELATED: Chevrolet Corvette E-Ray hybrid revealed as the quickest Chevy in history
To put the price into perspective, upgrading an actual 911 GTS from its standard manual seats to a pair of full bucket racing-style seats costs $5,900.
Get more updates on this story at FOXBusiness.com.
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GSK Consolidates Pfizer Consumer Health Under Publicis Media
by Larissa Faw , December 12, 2019
GSK is consolidating its $400 million-plus Pfizer consumer healthcare media business under Publicis Media.
WPP's Mindshare and Dentsu Aegis Network previously serviced brands under the portfolio.
Under this new agreement, the account will be serviced through the bespoke platformGSK entity launched by the Groupe last year after winning the $1.4 billion GSK media business.
The expanded business partnership announced today was made without a competitive review and follows a joint venture between GSK and Pfizer that was unveiled earlier this year.
"We are thrilled to extend our partnership with GSK to span the legacy Pfizer Consumer Healthcare business as well," according to a statement released by Publicis Groupe. The company feels this expanded assignment serves as a "testament to the strength of the platformGSK model and the work we are delivering together."
GSK's and Pfizer's joint venture created the world's largest over-the-counter (OTC) portfolio, including GSK's Sensodyne, Voltaren and Panadol and Pfizer's Advil, Centrum and Caltrate.
The decision to extend additional work to Publicis Groupe is viewed as an efficiency opportunity, according to GSK. "The combined buying power of the two entities will provide significant benefits," the company said in a statement.
accounts, agency, europe, health care
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August 4, 2015 Deals, Events, Now open.
An old Chick-fil-A location has a new look, and the restaurant is almost ready to open to the public. And it's doing so with a major promotion. The Chick-fil-A at 10901 Research Blvd. (at Braker Lane), which opened 15 years ago, was recently demolished and rebuilt. It will re-open on August 12 with twice the inside dining space and three drive-thru lanes.
To celebrate its grand re-opening, the restaurant will give away free meals for a year to the first 100 people in line. Of course, as with such giveaways, there are some caveats. The first 100 people in line will get a gift card loaded with 52 free Chick-fil-A meals. Contestants must be in line by 6 a.m. on August 12, and can't arrive more than 24 hours in advance of that time. If more than 100 people are in line by 6 a.m., there will be a drawing to select the winners. Furthermore, the winners must have proof of residence in a select group of zip codes located near the restaurant. You can see the complete rules for the promotion on Chick-fil-A's website.
An impressive note about the restaurant's closure and re-open, franchise owner Jeff Glover paid all 50 of his team members while the restaurant was being rebuilt. Glover, who started with the company as a team member, did not want to lose any of his employees (many of whom have worked at the restaurant for 10-15 years) during the work stoppage. In addition to paying his employees, Glover announced he will give them a $1/hour cost-of-living increase when the restaurant reopens. The larger operation also means Glover has hired 20 additional team members.
The vintage-inspired interior of the soon-to-reopen restaurant features reclaimed timber and custom features such light fixtures made from recycled Coca-Cola bottles and peach baskets. The restaurant is also the first Chick-fil-A in Austin built to LEED certification standards.


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The first lie ever told, occurred in the Garden of Eden where the serpent lied to the woman.
Now the serpent was more crafty than any other beast of the field that the Lord God had made.
He said to the woman, "Did God actually say, 'You[a] shall not eat of any tree in the garden'?" 2 And the woman said to the serpent, "We may eat of the fruit of the trees in the garden, 3 but God said, 'You shall not eat of the fruit of the tree that is in the midst of the garden, neither shall you touch it, lest you die.'" 4 But the serpent said to the woman, "You will not surely die. Genesis 3:1-4
The use of Ivermectin as an early-stage intervention for Covid-19 was demonized as "horse paste" and to be used only for treating animals despite decades of use in safely treating human parasitic type infections. Ivermectin was and continues to be an effective treatment for Covid-19 so why all the outcry? The simple answer is the Covid-19 vaccines would have never been authorized for emergency use if an existing treatment for Covid-19 was already available. Thus, non-invasive oral medications such as Ivermectin and Hydroxychloroquine had to be ruled out for treating the disease. These medications though effective, are cheap and not profitable for the pharmaceutical industry. Thus the pharmaceutical industry along with the blessings of the AMA had to make sure that such treatments were vilified in order to ensure the granting of emergency use authorization by the FDA. The rest is history as Pfizer, Johnson & Johnson, and Moderna made BILLIONS of dollars in profits – all based upon a lie.
Thus the claim that Ivermectin is dangerous is proven false based upon decades of safe use in humans. Ivermectin's success in treating Covid-19 has been clearly demonstrated in certain provinces in India, yet that fact is suppressed by the media. Countless human lives could have been saved if Ivermectin was used worldwide as the standard protocol for treating Covid-19. The serpent, i.e., Satan exists and his minions continue to do his bidding in spreading the lies.
You people are from your father the devil, and you want to do what your father desires. He was a murderer from the beginning, and does not uphold the truth, because there is no truth in him. Whenever he lies, he speaks according to his own nature, because he is a liar and the father of lies. John 8:44
So whom do you trust? Do you place your trust in the U.S. Food & Drug Administration which granted EUA to the pharmaceutical giants to produce the Covid-19 vaccines? Do you consider that government agency to be transparent and trustworthy? Do you suppose that your safety was the paramount consideration in granting that authorization? If so, you may want to reconsider after reading this short but noteworthy article.
https://www.naturalnews.com/2022-09-14-fda-refusing-covid-vaccine-safety-analyses-coverup.html
LIAR: The official theme song of the FDA


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Professionista dal 1998 al 2010, fu due volte campione del mondo juniors e partecipò a sei edizioni del Giro d'Italia.

Carriera
Formatosi nella Libertas Solarino Panificio Valenti, squadra ciclistica del suo paese, fu campione mondiale juniores di ciclismo su strada nel 1992 e nel 1993. Subito dopo la prima vittoria mondiale fu costretto a trasferirsi, per motivi di lavoro, in Lombardia e conseguentemente a viaggiare molto spesso tra San Rocco al Porto, il luogo dove abitava, e la Sicilia per poter gareggiare con la società ciclistica solarinese per cui era tesserato, il G.S. Flortis Vigorplant, sponsorizzata proprio dall'impresa di fertilizzanti di Fombio, di cui era dipendente come autista.

Attivo come ciclista dilettante dal 1994 al 1997, gareggiò per due anni con il G.S. Prodet di Bassano del Grappa e per due con il G.S. Zalf di Castelfranco Veneto. Professionista dal 1998 grazie alla Riso Scotti-MG Boys Maglificio, vestì successivamente le maglie della Riso Scotti-Vinavil, dell'Amica Chips-Tacconi Sport e - dal 2001 al 2003 - della De Nardi-Colpack, squadra con cui vinse nel 2002 il Gran Premio del Canton Argovia. Nel 2004 venne tesserato dalla Acqua & Sapone, squadra nella quale militò sino al 2010, anno del ritiro dall'attività, vincendo nel 2007 una tappa al Tour de Wallonie.

Palmarès

1992 (Juniores)
Coppa Città di Asti
Campionati del mondo, Prova in linea Juniores

1993 (Juniores)
Brescia-Monte Magno
Gran Premio Liberazione Città di Massa
Trofeo Buffoni
2ª tappa Grand Prix Rüebliland
Campionati del mondo, Prova in linea Juniores

1994 (Dilettanti)
Gran Premio Val Leogra

1996 (Dilettanti)
Circuito di Bibano

1997 (Dilettanti)
Coppa Fiera di Mercatale
1ª tappa Giro della Valle d'Aosta

2002 (De Nardi-Colpack, una vittoria)
Gran Premio del Canton Argovia

2003 (De Nardi-Colpack, una vittoria)
2ª tappa Giro della Liguria (Pietra Ligure > Andora)

2007 (Acqua & Sapone, una vittoria)
3ª tappa Tour de Wallonie (Chièvres > Thuin)

Altri successi
2009 (Acqua & Sapone)
Classifica sprint Vuelta a Murcia

Piazzamenti

Grandi Giri

Giro d'Italia
1998: fuori tempo (17ª tappa)
1999: 151º
2000: 124º
2003: fuori tempo (18ª tappa)
2007: 90º
2009: 158º

Vuelta a España
1999: 93º

Classiche monumento

Milano-Sanremo
2000: 90º
2003: ritirato
2005: 76º
2006: 149º
2007: 159º
2009: 68º

Parigi-Roubaix
2010: ritirato

Liegi-Bastogne-Liegi
2010: ritirato

Giro di Lombardia
2005: ritirato
2006: ritirato
2008: 89º

Competizioni mondiali
Campionati del mondo
Olimpia 1992 - In linea Juniores: vincitore
Perth 1993 - In linea Juniores: vincitore

Note

Collegamenti esterni

redpajama_set_name: RedPajamaWikipedia


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Cut the onions in half and then slice them into 1/8-inch thick half-rounds. Heat oil in a large saute pan with a heavy bottom over medium-low heat. Add the onions, thyme, salt, and pepper and saute. Cook, stirring occasionally, for 30-40 minutes until the onions are browned and caramelized. Allow the onions to cool.
Serve at room temperature with veggie/apple slices, crackers or chips.


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Education Activist Michelle Rhee is Courageous, but No "Radical"
Michael A. LaFerrara March 06, 2013
Michelle Rhee—a former Baltimore teacher who gained national attention as Washington DC's first public schools chancellor, and founder of StudentsFirst—has acquired a reputation as an aggressive education reformer unafraid to challenge entrenched ideas, including those of her own Democrat Party and its constituents.
In describing "My Break With the Democrats," Rhee recounts her 2007–10 stint with the DC public schools. Her "strong ideas" about school reform included support for charter schools, which were "anathema to teachers' unions."
Another area where Rhee broke with Democrat dogma is school vouchers. Though "adamantly" opposed to vouchers at first, she eventually reversed course. The reversal came when she had to take a stand on the district's existing Opportunity Scholarship voucher program, which was up for renewal. "As a good Democrat," she says, "My inclination was to say no. . . . However,
I wanted to have my facts straight. So I decided to meet with families across the city and spend some time better understanding the Opportunity Scholarships initiative. It's amazing what one can learn from talking to parents. . . .
After my listening tour of families, and hearing so many parents plead for an immediate solution to their desire for a quality education, I came out in favor of the voucher program.
"People went nuts," she says. "Democrats chastised me for going against the party."
Other policies advocated by Rhee, such as "the ability to reward good teachers and fire bad ones," notes Leonard Pitts, encountered fierce opposition from the teachers union, which "fought Rhee with bitter tenacity, seeking to block her at every step."
Rhee, whose mantra is "fighting to put students first," describes herself as a "radical." But, "radical" implies fundamental change, and, despite her courageous efforts, Rhee's agenda is actually superficial and solidly in the camp of the disastrous status quo.
The mission of Rhee's StudentsFirst, which she formed after leaving DC, is to "transform public education." It calls for a "better" public education system, "one that puts students' needs before those of special interests or wasteful bureaucracies." But, as long as tax dollars fund education—whether directly or through vouchers—special interests and wasteful bureaucracies will stand in the way of students, parents, and innovative educators.
Given the government's current stranglehold on education, working for genuinely radical change means first identifying the fundamental problem—namely, government involvement in education, which violates the rights of parents, teachers, students, and everyone else who is in any way coerced by government in this sphere—and then working to reduce government involvement, with the ultimate goal of ending it altogether.
Eliminating government interference in education would enable businessmen, educators, and parents—driven by love of money, love of their work, and love of their children—to create schools, develop curricula, and decide for themselves what is best for their schools, their classrooms, their kids.
Imagine Rhee operating in a fully free market, where no government education establishment exists to seize people's money, give it to "educators" who can't be fired, and force children into its "schools." Rather than battle coercive unions and government officials, she could direct her energies and resources, free of political obstacles, toward creating or expanding private schools that implement her ideas.
Sadly, Rhee is no radical; she does not advocate a free market in education. Rather, she advocates superficial tweaks to the rights-violating and consequently disastrous status quo. And, insofar as Rhee succeeds in her current mission, she will only further entrench that status quo.
"Radical" is the right approach, Ms. Rhee; but, to effect positive change, you must be genuinely radical.
The New Abolitionism: Why Education Emancipation is the Moral Imperative of Our Time
Toward a Free Market in Education: School Vouchers or Tax Credits
The Educational Bonanza in Privatizing Government Schools
Image: Wikimedia Commons
Education "Stimulus" Thwarts Education
Political Chaos in Colorado's Jefferson County Schools Illustrates Problems of Government Control
Government Should Not "Determine Everything" about Education; It Should Determine Nothing about It
George Will Eviscerates Common Core—But Doesn't See Full Implications of His Remarks
Pledge Fight Illustrates Inherent Conflicts of "Public" Schools
Parents Narrowly Avoid Jail after Enrolling Daughter in Less-Bad Government School
About Michael A. LaFerrara
Michael A. LaFerrara resides in New Jersey, where he spent his career in the plumbing, building controls, and construction industries. He writes on a wide variety of topics from an Objectivist perspective at his blog, Principled Perspectives.
View all posts by Michael A. LaFerrara →
Subway Founder Fred Deluca Decries the Regulatory StateMinimum Wage Laws: Economically Harmful Because Immoral


Welcome to week 2 of ETEC 522.
This week you'll be immersing yourselves in the global marketplace for educational technologies and resources.
We've assembled a small library of recent research reports and market projections related to emerging technology markets (these were used to populate the poll we just completed). You'll explore who the customers are for educational technologies and what a venture entails.
How, and how much, is it useful and valuable to the the broader community of educators, as well as learning technologies specialists and venturers?
Do you expect to seek out future versions of this report to help drive your own professional success, and also to recommend it to others in this regard?
To wrap up week 2 you'll publish your short critique to the course blog and tag it using the Week 02: The EdTech Marketplace category so that others can find, read and respond. Beyond this posting, please review and provide constructive response where appropriate to the critical analyses posted by your classmates.
If you would prefer to offer a critical analysis of a similar report that is not on the ETEC522 list, please consult with one of your instructors.
Please note –> All critiques and responses should be posted by the end of week 2. In order for your own critique to be responded to, it would be best to post it a few days ahead of the deadline if possible.


You will be given a reference e-book to read which has 1149 pages And the test will be based on that e-book , you can take final test within 1 year of purchase.
Manufacturing engineering refers to an engineering discipline which deals with various manufacturing practices. It also involves researching and developing effective systems, machines, equipment, tools and processes. It also deals with the use of machines that are effective in turning raw materials to newer products. Manufacturing engineering also involves integrating various systems and facilities with an aim of producing high quality products with the least amount of expenditure through the effective application of principles used in physics. It can also be applied in different manufacturing systems studies including guild or craft system, English manufacturing system, putting out system, mass production, lean manufacturing, mass customization, just in time manufacturing, flexible manufacturing, computer aided manufacturing technologies, computer integrated manufacturing and American manufacturing system.
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How manufacturing engineers effectively apply e-marketing?
How to effectively use statistics for product rejects?
Because the manufacturing engineering certification program from Brainmeasures is comprehensively developed, numerous individuals and professionals will continue to benefit from it. This program targets manufacturing operations engineers, information technology professionals, project managers, engineering managers, quality managers, chief executive officers, product design or engineering leaders, chief operating officers and any other individuals and professionals who are in charge in implementing the manufacturing engineering discipline.
Earning a manufacturing engineering certification is also your ticket towards earning a higher salary in the manufacturing engineering industry. Your manufacturing engineering certification is extremely useful in your attempt to work as a manufacturing engineer and earn around $72,000 to $94,000 annually. Using your certification to become a manufacturing engineering consultant also allows you to receive around $81,000 to $142,000 yearly.


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Главная / Художественная литература / Фантастика и Фентези
A Storm of Swords: 2 Blood and Gold (A Song of Ice and Fire, Book 3, Part 2)
Вес товара: 0.34 кг
Категория: Фантастика и Фентези
Переплет: Paperback
Издательство: HarperCollins Publishing
Автор: George R. R. Martin
Вес: 0.34 kg.
Размер: 17.6 x 11 x 4.4 cm.
The third volume, part two of A SONG OF ICE AND FIRE, the greatest fantasy epic of the modern age. GAME OF THRONES is now a major TV series from HBO, featuring a stellar cast. The Starks are scattered. Robb Stark may be King in the North, but he must bend to the will of the old tyrant Walder Frey if he is to hold his crown. And while his youngest sister, Arya, has escaped the clutches of the depraved Cersei Lannister and her son, the capricious boy-king Joffrey, Sansa Stark remains their captive.
The Gabble - and Other Stories
Издательство: Pan Macmillan
Автор: Neal L. Asher
Размер: 2.5 x 11.4 x 17.8 cm.
'What has six arms, a large beak, looks like a pyramid, has more eyes than you'd expect and talks nonsense? If you don't know the answer to that, then 1) you should and 2) you haven't been reading Neal Asher (see point 1)' Jon Courtenay Grimwood In the eight years since his first full-length novel Gridlinked was published by Pan Macmillan, Neal Asher has firmly established himself as one of the leading British writers of Science Fiction, and his novels are now translated in many languages.
Prador Moon. Neal Asher
Категория: Детектив и триллер
Автор: Neal Asher
Размер: 11.1 x 17.8 x 1.8 cm.
The Polity Collective, which benignly rules numerous star systems, has come up against a chilling opponent. The crablike Prador are bloodthirsty aliens bent on crushing the Polity and stealing its runcible technology . . . and they possess a frightening superiority in space warfare.
The complete stories vol.1
Автор: Isaac Asimov
Размер: 17.8x10.6x23 cm cm.
First published fifteen years ago, shortly after his death, inside this collection are some of the finest short stories of science fiction writing from one of the genre's greatest writers, Isaac Asimov. Isaac Asimov was the Grand Master of the Science Fiction Writers of America, the founder of robot ethics, and one of the world's most prolific authors of fiction and non-fiction.
The Naked Sun
The electrifying sequel to Caves of Steel in which Elijah Baley is once more teemed up with R. Daneel. The two must travel to Solaria, where no human has gone in over a thousand years… Reacting in fear against the technological superiority of the Outer Worlds, the people of Earth have hidden themselves in vast underground cities, nursing a hatred for Spacers. The fifty Outer Worlds of the Spacers together are home to fewer people than planet Earth. And home to many, many more robots. Earthmen hate Spacer robots, too…
The Technician (Polity 4)
Размер: 16.5 x 24.1 x 5 cm.
The Theocracy has been dead for twenty years, and the Polity rules on Masada. But the Tidy Squad consists of rebels who cannot accept the new order. Their hate for surviving theocrats is undiminished, and the iconic Jeremiah Tombs is at the top of their hitlist. Escaping his sanatorium Tombs is pushed into painful confrontation with reality he has avoided since the rebellion.
2010 Odyssey Two
Автор: Arthur C. Clarke
To the spaceship Discovery, floating in the silent depths of space since Dave Bowman passed through the alien 'Star Gate', comes Heywood Floyd on a mission of recovery. What he finds near Jupiter is beyond the imaginings of any mere human.
Размер: 3.2 x 12.7 x 19 cm.
In the far future, the Heliothane Dominion is triumphant in the solar system, after a bitter war with their Umbrathane progenitors. But some of the enemy have escaped into the past, intent on wreaking havoc across time. The worst of these is Cowl, an artificially forced advance in human evolution but one who is no longer human. Polly, desperate to obtain funds to support her habits, is unprepared for her involvement with Nandru Jurgens, a Taskforce soldier, and the killers pursuing him. Nor can she resist the the alien 'tor' which she feels impelled to attach to her arm.
Foundation and Earth
The epic story of the Foundation is one of the great classics of science fiction by the Grand Master of the genre. Isaac Asimov's legendary saga, winner of the Hugo Award for Best All-Time Novel Series, has enthralled generations of readers – and continues to amaze. All records of Earth have been removed systematically from the libraries of Foundation worlds. Now Councilman Golan Trevize and Professor Janov Pelorat traverse the galaxy in search of humanity's ancestral planet. On worlds beyond the Foundation's influence, superstition and taboo shroud the subject of their quest. To name Earth is to utter an obscenity.
Foundation and Empire
Размер: 17.6 x 11 x 2 cm.
Foundation and Empire is the story of first contact between the two Foundations of Hari Seldon. The Seldon Plan guided the First Foundation safely through two centuries of chaos as the Galactic Empire disintegrated. Seldon's recorded holographic image appeared in the Council Chamber on Terminus at moments of crisis predicted by pshychohistory, and his voice was heard. Even war between the Foundation and the remains of the Empire was foreseen - and planned for - by the great scientist.
Hunger Games Trilogy Box Set
A Feast for Crows (A Song of Ice and Fire, Book 4)
The Hobbit and The Lord of the Rings (Box set )


The pair triggered my short entry order at 1.3086. Unfortunately, my 30 pips stop wasn't enough space for it to move before it went back down. So, it's 30 pips down whether you went for the first profit target or the second profit target.


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The 10 Best Vanguard ETFs for a Dirt-Cheap Portfolio
Vanguard has built a sterling reputation on low-cost index investing.
by: Kyle Woodley
Vanguard has built a sterling reputation on low-cost index investing. Founder John Bogle is responsible for the world's first index fund – what's now known as the Vanguard 500 Index Fund (VFINX). That concept has grown into a massive business of $4.4 trillion in assets under management by Vanguard, much of which is invested in its extensive line of inexpensive Vanguard ETFs.
And "inexpensive" matters, as fees eat away at returns over time. Let's say you invest $50,000 apiece in two different funds that gain 8% a year like clockwork, but charge different fees (1.0% and 0.5%). After 30 years, the investment in the more expensive fund would be worth about $372,000, versus about $433,000 from the less expensive fund. That's a $61,000 difference – no small sum.
Vanguard is one of America's biggest ETF providers, and for good reason. Its exchange-traded funds deliver an ideal combination of performance potential and dirt-cheap fees across so many categories, an investor can build an entire portfolio from its offerings alone. Here are 10 of the best Vanguard ETFs that can help you accomplish just that.
Data as of Nov. 1, 2017. Click on ticker-symbol links in each slide for current share prices and more. Unless otherwise indicated, yields represent the trailing 12-month yield, which is a standard measure for equity funds. All 10 ETFs are also available from Vanguard as mutual funds.
Vanguard S&P 500 ETF
Market value: $78.2 billion
Dividend yield: 1.9%
Expenses: 0.04%
The Vanguard S&P 500 ETF (VOO, $236.55) should be a core holding in just about every portfolio because of its ability to do one seemingly pedestrian task: track the market. Vanguard's VOO holds all the components of Standard & Poor's 500-stock index – blue-chip stocks such as Apple (AAPL), Exxon Mobil (XOM) and Johnson & Johnson (JNJ) – the same way they're weighted in the index. In other words, as the S&P 500 gains, so shall you.
But shouldn't your goal to be to beat the market?
Perhaps, but most investors don't understand how truly difficult that task is. S&P Dow Jones Indices data shows that in 2016, for example, the S&P 500 index outperformed 66% of all U.S. large-cap equity funds. Put another way, only about one-third of all managers in this space were able to top the large-cap benchmark last year. It gets worse. Over 15 years, just 8% of actively managed large-cap funds beat the S&P 500 index.
Matching the market is no consolation prize, either. The index has returned an average of 11.7% annually between 1973 and 2016. Based on the "rule of 72," that means the S&P 500 has been doubling investors' money roughly every six years.
That makes the dirt-cheap Vanguard S&P 500 ETF, which charges a mere 0.04% every year for that exposure, a solid foundation for any account.
Vanguard Small-Cap ETF
Market value: $20 billion
It's natural to want to chase some outperformance against the market, however. That's where allocations to more growth-oriented investments, such as small-cap stocks, come in.
Small-cap stocks typically refer to public companies worth between $300 million and $2 billion by market capitalization (stock price multiplied by the number of outstanding shares). They also have enormous growth potential because of their small size. After all, it's much easier to double $1 million in revenues than it is to double $1 billion. Naturally, that potential comes with risk – smaller companies typically have less access to capital, and their fates might depend on the success of just one or two products – but you can pare that risk by investing in many small caps in one fund.
The Vanguard Small-Cap ETF (VB, $142.95) holds more than 1,400 stocks with an average market cap of $3.9 billion, providing you with plenty of protection from "single-stock risk" – the potential for a large decline in any one stock to have an outsize effect on the performance of the whole fund. In fact, top holdings including medical devices company Teleflex (TFX) and video game publisher Take-Two Interactive (TTWO) each account for a mere 0.3% of the fund's assets.
That doesn't mean there's no risk. Small-cap stocks typically suffer as a group when market participants become more defensive. But VB can help investors enjoy the growth of the broader small-cap world without worrying about a single company's implosion wrecking their portfolios.
5 Small-Cap Stocks to Buy for Big Dividend Potential
Vanguard Information Technology ETF
Expenses: 0.1%
Technology is becoming increasingly more important not just in our personal lives, but at work, in healthcare and even in government. Data is becoming more valuable than many hard assets, like machinery and property. Semiconductors are powering everything from computers to cars to refrigerators. That has turned the tech sector into a major driver of growth, and there's little to suggest that theme should change going forward.
As a result, tech ETFs have become a hot commodity, and Vanguard offers one of the cheapest ways to gain access to the space.
The Vanguard Information Technology ETF (VGT, $163.17) is a robust portfolio of about 361 stocks from all over the tech sector. This includes everything from internet businesses to chipmakers to companies that produce computers or the software they run.
Practically speaking, that means access to Apple and its iPhones, as well as search giant Alphabet (GOOGL) and social leader Facebook (FB). But that also includes communications plays like Cisco Systems (CSCO) and even payment processors like Visa (V) and MasterCard (MA).
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Vanguard Health Care ETF
Market value: $7.1 billion
The state of health care from a consumer standpoint looks like chaos. Yes, President Donald Trump and the Republicans have not been able to upend the Affordable Care Act via legislation so far in 2017, but not for lack of trying, and a scrapping of important subsidies means even more tumult for Americans.
From an investing standpoint, though, things should only keep getting better.
The Centers for Medicare & Medicaid Services project continued growth in U.S. health care spending through 2025. CMS expects health care spending to expand 5.6% annually on average until then, eventually reaching $5.5 trillion – accounting for almost 20% of America's gross domestic product.
That bodes well for most of the 360 or so stocks in the Vanguard Health Care ETF (VHT, $151.08) – a dirt-cheap ETF that provides broad exposure to this area of the economy. Like many health care funds, VHT is heavily invested in pharmaceuticals companies such as J&J and Pfizer (PFE). But this fund also has a hefty 25% weight in biotech companies such as Amgen (AMGN) and Celgene (CELG), health care equipment companies like Medtronic (MDT) and even insurers such as UnitedHealth Group (UNH).
Yes, there is some single-stock risk at the top, with JNJ at almost 10% of the fund's weight, and PFE and UNH at more than 5% each. But the cap-weighted nature of this fund means it's most heavily invested in the biggest companies – funds that are more financially capable of weathering any market turbulence.
11 Best Health Care Stocks to Buy
Vanguard REIT ETF
Vanguard REIT ETF (VNQ, $82.60) is an important fund because it gives you a lot of something that the S&P 500 does not – real estate.
Real estate investment trusts, or REITs, are businesses that own and sometimes operate real estate (or in some cases, real estate "paper" like mortgage-backed securities). REITs typically are not required to pay federal income taxes, but in exchange for that benefit, they must distribute at least 90% of their taxable income as dividends to shareholders. This often results in high dividend yields, which explains a nearly 5% yield on VNQ that is the envy of most other sector funds.
The problem is, the Vanguard S&P 500 ETF and other S&P 500 trackers only have a 3% weighting in REITs. Thus, you need to buy individual stocks or funds like VNQ if you want to be more heavily invested in this dividend-heavy sector.
The Vanguard REIT ETF holds a diverse selection of real estate, covering residential, retail, office and hotels, among other types. That includes holdings such as mall operator Simon Property Group (SPG), data center company Equinix (EQIX) and self-storage REIT Public Storage (PSA).
6 Best Dividend ETFs for Blue-Chip Income
Vanguard International High Dividend Yield ETF
Market value: $598.3 million
Many advisers and experts will say that you should have international diversification in your portfolio. That way, should your heavily American holdings struggle, other markets around the world may be able to pick up the slack.
But international funds that bundle stocks from several countries run the risk of middling performance thanks to a few struggling economies countering the better actors. One way to minimize this risk, then, is to invest in a fund that targets high-dividend international stocks, which can provide returns even if global growth isn't widespread enough to lift the entire ETF.
The Vanguard International High Dividend Yield ETF (VYMI, $65.94) does just that. You get plenty of international diversification in the form of holdings from a few dozen countries – most heavily from United Kingdom stocks such as HSBC Holdings (HSBC) and BP (BP), and Swiss stocks including Nestle (NSRGY) and pharmaceutical outfit Roche Holdings (RHHBY).
You also get a 3% yield, which is on par with many high-yield large-cap U.S. stock funds. Just note that there are additional tax considerations for dividends paid by international stocks, even if they're held in an ETF.
7 Monthly Dividend Stocks for Income You Can Count On
Vanguard FTSE Emerging Markets ETF
While many international funds (like VYMI) are dedicated to large developed markets with slower-growing economies such as the U.K., Switzerland and Japan, emerging markets such as China, India and Brazil boast economies that are expanding at a much more robust pace. Consider that India finished 2016 with 7.6% GDP growth, while countries like Spain and Australia were at the high end of developed-market growth with just 3% growth.
Thus, emerging-markets ETFs such as the Vanguard FTSE Emerging Markets ETF (VWO, $44.74) – the largest such exchange-traded fund – can have an easier time generating growth across the board.
But economic growth doesn't necessarily guarantee a smooth uphill market climb. Emerging markets have all sorts of potential pitfalls, such as higher political risk, volatility and foreign exchange headwinds. However, investing in a basket of roughly 4,700 stocks across nearly 30 countries helps defray some of that risk.
China looms largest in this Vanguard ETF, at 31% of the fund's assets. That includes top-10 holdings such as internet giant Tencent (TCEHY) and the "Chinese Amazon," Alibaba Group (BABA) – both of which have boomed in 2017, fueling VWO's 25% gains through the end of October. However, VWO also provides a lot of access to Taiwan, India, Brazil and South Africa, as well as smaller exposure to various emerging markets in Southeast Asia, Africa, Latin America, Europe and the Middle East.
5 Emerging-Markets Funds That Are Crushing U.S. Stocks
Vanguard Short-Term Government Bond ETF
Market value: $2 billion
Dividend yield: 1.5%*
Investors also should be diversified across different asset classes, and that includes bonds, which historically don't provide as much growth but do act as a source of fixed income that you can rely on in retirement. Vanguard's ETFs cover a broad swath of the bond world; we'll start with the Vanguard Short-Term Government Bond ETF (VGSH, $79.55).
The VGSH holds a basket of 145 bonds that are almost exclusively U.S. Treasuries – debt issued with the full faith and security of the U.S. government. And given that America has the highest debt grade possible from two ratings firms (Moody's and Fitch), and the second-highest grade from Standard & Poor's, investors can feel pretty secure about that investment.
That's a large factor behind the VGSH's small yield – because U.S. bonds are so secure and highly sought-after, the country doesn't have to offer much in yield to get investors to buy. Another factor is the short-term nature of these bonds. VGSH's holdings have maturities of three years or less, which means there's less risk of default versus, say, a bond that matures 20 years from now. There's also shorter exposure to the detrimental effects of a rapid shift in interest rates.
A fund like VGSH is mostly about short-term safety. Short-term Treasuries tend to be more protected against interest-rate hikes than longer-term bonds, for one. They also can be used to generate a small amount of yield for investors that want to pull some money out of the stock market if they believe volatility and declines are in the offing.
* The yield for this ETF represents the SEC yield, which reflects the interest earned for the most recent 30-day period after deducting fund expenses. SEC yield is a standard measure for bond funds.
Vanguard Long-Term Corporate Bond ETF
The Vanguard Long-Term Corporate Bond ETF (VCLT, $94.27) is a somewhat riskier way to approach fixed income, but also a higher-yielding one. But why is its payout so much more substantial?
For one, corporate bonds are debt issued by companies to generate liquidity, which they can then use to fund expansions, buy other companies or just keep more cash on hand for a rainy day. Because most companies aren't rated nearly as highly as the U.S. government, they typically need to offer better yields on their bonds to find buyers.
Also, Vanguard Long-Term Corporate's roughly 1,750 holdings are a lot farther away from maturity, on average. VCLT's bonds have an average of almost 24 years left until maturity versus just two years for VGSH holdings. As you can imagine, there's much less certainty about the United States' ability to pay back a bond in two years than, say, AT&T's (T) ability to do so in 2041.
Still, all of VCLT's holdings are rated "investment-grade," meaning the credit ratings agencies still believe there's a good chance these debts will be repaid. Plus, you're also protected against single-company defaults by holding such a large bundle of bonds.
However, if you're concerned about the long-term nature of the bonds, Vanguard also offers intermediate-term (VCIT) and short-term (VCSH) bond ETFs.
* The yield for this ETF represents the SEC yield.
Vanguard Emerging Markets Government Bond ETF
The Vanguard Emerging Markets Government Bond ETF (VWOB, $80.63) provides a healthy yield and some international exposure – along with some added risk.
VWOB allows you to invest in the sovereign debt of 70 developing countries, including the likes of China, Mexico and Brazil. It's a much more geographically diversified basket than the Vanguard International High Dividend Yield, including in how the top countries are weighted. Vanguard lists its China holdings at 15.9% of the fund – about half the country's heft in VYMI.
It should come as no surprise when investing in developing countries including Kazakhstan, Egypt and the Ukraine that there's quite a bit more risk. Only 60% of the fund's holdings are considered investment-grade, with the rest designated as "junk" by the major credit rating agencies. That implies there's a higher risk of default, though junk typically commands a loftier yield as a result.
However, default risk again is defrayed by the ETF's more than 1,000 holdings, as well as an average effective maturity (9.9 years) that's still technically "short-term" in nature. That, as well as a 4%-plus yield, may be just enough to entice aggressive income investors.
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S&P 500 ETF Vanguard (VOO)
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The Parenting Patch is excited to announce the fourth annual Fall Fluff Giveaway! James and Heather, a husband and wife team, launched The Parenting Patch: Where Parents Grow on September 15, 2011. In honor and celebration of the fourth anniversary of the blog and website, The Parenting Patch is hosting a fabulous giveaway event in which one lucky winner will receive one fabulous fluffy prize pack.
Enter to Win the Fall Fluff Giveaway!
To enter for your chance to win the Fall Fluff Giveaway, simply use the following entry form. And please offer a huge thanks to the sponsors and participating blogs of the Fall Fluff Giveaway! Good luck!
While you're here, check out my other open giveaways listed in the sidebar or in the menu (for mobile)!
The Fall Fluff Giveaway is open to legal residents of the United States of America. Void where prohibited. Giveaway is not affiliated or associated with Facebook or any other social media platform. Giveaway ends at 11:59 PM CST on September 30, 2015. One winner will be chosen at random. The winner will be sent an email and will have forty-eight hours to respond. If no response is received within forty-eight hours, another winner will be chosen. This West Coast Mommy is not responsible for prize fulfillment.
I think this is a great way to get more people introduced to cloth diapers.


Ian grew up a self-taught multi-instrumentalist who has always been hungry to create musical ideas of his own. Upon entering college, he fell in love with hip hop and the history behind it. This was his gateway into electronic beat production where he finds himself today, as he strives to create ambient compositions of sample-based sounds blended with his own instrumentation. While he claims to be "the official soundtrack of hummus everywhere", this has yet to be confirmed.


text:
Vitális István (Pusztaszenttornya, 1871. március 14. – Budapest, 1947. november 9.) geológus, paleontológus, egyetemi tanár, a Magyar Tudományos Akadémia rendes tagja. A Kárpát-medence számos táján végzett szénteleptani felvételezéseivel hozzájárult a magyarországi szénbányászat kibontakozásához, emellett jelentősek őslénytani kutatásai is.

Vitális Sándor (1900–1976) geológus, hidrológus apja.

Életútja
A szarvasi evangélikus főgimnáziumban érettségizett 1890-ben, majd 1895-ben megszerezte természetrajz–földrajz szakos tanári oklevelét a Budapesti Tudományegyetemen. 1893-ban rövid ideig gyakornokoskodott id. Lóczy Lajos mellett a műegyetemen. Gyakorlati évében, 1894–1895-ben a Trefort utcai főgimnáziumban tanított, majd 1895-től 1912-ig a selmecbányai evangélikus főgimnázium földrajz–természetrajz tanára volt. Időközben 1904-ben bölcsészdoktori oklevelet szerzett a Budapesti Tudományegyetemen. Ekkor már egy éve, 1903 óta a selmecbányai Bányászati és Erdészeti Főiskola ásványtani és földtani tanszékén is oktatott adjunktusi címmel, 1908 után pedig paleontológiai előadásokat is tartott. 1912-ben az ásványtan és földtan rendkívüli, 1918-ban rendes tanárává nevezték ki a selmecbányai főiskolán. A Felvidék elcsatolásakor Sopronba menekített tanintézettel – új nevén Bányamérnöki és Erdőmérnöki Főiskolával – tartott, s 1923-tól 1941-es nyugdíjba vonulásáig a földtan és telepismerettan rendes főiskolai, 1934 után egyetemi tanáraként vezette a tanszéken folyó oktatómunkát. Egyidejűleg 1919–1920-ban a főiskola rektori, 1920–1922-ben prorektori tisztét is betöltötte.

Munkássága
Jelentős eredményeket ért el a Kárpát-medencei kőszén-előfordulások teleptani kutatása területén, eredményeivel hozzájárult a magyarországi szénbányászat kibontakozásához és fejlődéséhez. 1907-től a Magyar Állami Földtani Intézet külső munkatársaként végzett földtani felvételezéseket, többek között a Balaton környékén, a Selmeci-körhegységben, a Medves-vidéken, a Sajó–Hernád-síkon, az Erdélyi-medencében, a Belső-Bécsi-medencében (Egbell környékén) és a Kárpátalján. Teleptani térképezéseivel egyebek mellett hozzájárult a Zirc–Jásd vidéki (dudari) eocén, az Esztergom környéki (liget-hegyi, kecske-hegyi) alsó eocén, a Nagyegyháza–Mány környéki paleocén barnakőszéntelepek, a mátraalji pannoniai lignit-előfordulások, valamint a magyaregregy–nagymányoki liász kőszénvagyon feltárásához és kiaknázásához. Teleptani vizsgálatai kiterjedtek a Halimba vidéki bauxit-, az úrkúti mangán-, valamint a Kárpát-medencei magnezit-előfordulások kutatására is.

Pályája során őslénytannal is foglalkozott, leírta a Lajta-hegység cápafogait, a balatoni kecskekörmöket. A Sopron vidéki üledékes kőzetekben felfedezett korábban ismeretlen fajokat, így például a Pannon-tenger kagylófaunájának néhány képviselőjét (pl. Limnocardium soproniense, Congeria soproniensis), valamint az Orygoceras és a Baglivia csiganemeket (ez utóbbit a szarmata és a pannoniai emeletek közötti átmenet korjelző fosszíliájaként határozta meg).

A bányavíz elleni védekezés módjaként elsőként javasolta a geofizikai mérések alkalmazását.

Társasági tagságai és elismerései
1920-ban a Magyar Tudományos Akadémia levelező, 1945-ben rendes tagjává választották. 1943-ban<!-MÉL. és MTudLex.: 1942-ben--> a Magyarhoni Földtani Társulat tiszteleti tagjává választották, 1945-től haláláig a társaság elnöke volt. Ugyancsak tiszteleti tagja volt az Országos Magyar Bányászati és Kohászati Egyesületnek.

Főbb művei

Emlékezete
Születése századik évfordulóján, 1971-ben avatták fel emléktábláját a zirci Bakonyi Panteonban, 1981-ben pedig a nagyegyházi bányaüzemnél leplezték le mellszobrát.

Források

Magyar geológusok
Magyar paleontológusok
Magyar egyetemi, főiskolai oktatók
MTA-tagok
1871-ben született személyek
1947-ben elhunyt személyek


Badman's Tropical Fish > All-Water Boards > The Species (Moderator: Kim) > celestial pearl danios stressed?
After cycling a planted 20 long for about six weeks, I picked up some CPDS from the LFS. They only had 4 left and don't get them often, so I took the plunge. They warned me they weren't extremely hardy. I lost one after about 24 hours and another today-48 hrs. This question isn't so much about disease-I suspect they are stressed and possibly infected with ich. The good news, if there is any, is that they are in a tank of their own. My remaining two look ok - active at least. If the remaining two survive, should I order some more? I'm concerned that they like to shoal and two don't make much of a shoal. I'm going to make sure these two make it first though. Anybody here have a lot of experience with them? I saw at least one member breeds them. If the two remaining die I may try an easier species. I have a lot of experience with barbs, but never had luck with danios or neons. A 20 Long sort of narrows my options. Any helpful hints on CPDs would be great. Ammonia is 0, nitrates 0, nitrates at safe level, pH around 7, hardness and alkalinity are in the middle of 5he scale. Ammonia checked with API liquid kit, rest done with a test strip.
Re: celestial pearl danios stressed?
I don't have any experience with the CPDS. I seriously considered getting them when setting up my planted 29. They do like to be in a large school. Knowing that. and the difficulty finding them I chose neons instead.
Good luck and keep us posted on how things go.
If they are infected with ich, raise the tank temperature enough to get rid of that problem. Other wise they prefer cool water. I keep mine in unheated tanks and have had them spawn in tanks as cool as 62F.
If they are wild caught, you may need to start offering them some live foods to bring them around. They also prefer to eat at the lower levels of the tank. Sinking foods work best, algae wafers, shrimp pellets, etc.
Sometimes I want to give more information on the subject. And wanted to chat.
Once you have got rid of the itch, add to their numbers. They do like it better if they are in numbers and have a lot of bushy plant cover to hide in. That will make it more difficult to view them for quite some time but then you will end up finding that you have more of them than you put into that tank and they are no more easy to locate. Shy fishes these and they take months to come to term with their tanks but once they have fry swimming with them they gain the boldness to show themselves.


THREE kittens were left distressed, overheated and about 15 minutes from death in a closed leather bag just days out of Christmas.
They were found by a shopper who was returning to his car on Thursday to put the groceries in the boot.
He saw the bag hanging from his 4WD's tow ball, and opened it to find the panting 14-week-old kittens.
They were rushed to the Lismore Vet Clinic.
"They were distressed ... open-mouth breathing which was very abnormal behaviour for kittens," practice owner Nick Jones said.
"We cooled them down and kept them overnight, and they seem to have responded very well.
"If they were left any longer it could have been a very different outcome."
He said it wasn't only the kittens who were distressed - it affected everyone involved.
"The staff here were quite upset about it ... it's not a good way to start the Christmas period," Dr Jones said.
"This was particularly heinous in that they were left to die in a bag at the back of a car.
"It's very cruel and if the perpetrator was caught they'd likely face charges."
The veterinary clinic notified the police and warned that "this has been taken very seriously as an act of animal cruelty".
Now the kittens have recovered, they will be taken into the care of a local rescue group to find them loving homes.
Dr Jones, who sees an increased number of abandoned pets after Christmas, reminded pet owners about other measures that could be taken if they no longer wanted their pets.
"If you ever have trouble looking after animals there are certainly a lot of groups around that are able to take them," he said.
He said more importantly, prevention was key.
"People should have their animals desexed and avoid this predicament," Dr Jones explained.
"Also pets are not just for Christmas, they're for life."
Lismore Vet Clinic shared what happened on their Facebook page.
At the time of publication almost 70 people had commented about the situation - showing their anger, frustration, sorrow or simply wishing to thank those involved.