A pause on my Thunderbird Resort Series muna, I wanna say congratulations to the Association of Negros Producers (ANP) first for the success of 26th Negros Trade Fair dubbed iNegros at Rockwell Tent, Makati which culminated October 2,2011.The 5-day affair started September 28 and participated by over 50 producers of the Association.
It was my first time ever to attend the NEGROS TRADE FAIR and I was honestly surprised at how diverse and quality their products are. Either you are looking for jewelries,accessories, chick furniture, clothing, processed food, home decors, or simply pasalubongs, you can find it here. The venue was a gallery of the quality produce of the entire island of Negros.I love the snacks. To be frank, I have never been to Negros but I am now very excited to visit. The event also promoted Negros as a tourist spot. As a frequent traveler myself, I consider a particular place not just on the basis of beautiful scenery but also on the culture and products it can offer. I think Negros has all the products to complete a pleasant vacation.
Here are some of the products available during the 26th negros Trade Fair.
Also thanks to Skyscrapercity Bacolod and Negros Bloggers First Kasimanwa Fellowship for organizing a meeting with Manila Bloggers to help promote Negros as a tourist destination.I have necver been to Negros but my feet is now itching to get there. My personal thanks to Anton Manso and Sir Jojo Vito of http://www.thehappytrip.com/ for accommodating me last Friday despite going to the event on the wrong time.
Also to Merci Pasalubong delicacies for the delicious treat. I love your cheese tart. I ate all of it while watching Rugby World Cup at home last Saturday.I would definitely look for Merci products when I visit. And oh, I love the Quad puto I purchased during the fair. Also got to interview one of the exhibitors and thier products really awed me. Will be posting a separate entry. Watch out for it soon.
Again, Congratulations to iNEGROS 2011!!!See you next year!!!
@Bino.loner? bat mag-isa?what's in negros that makes you wanna go there alone?
Napabasa lang uli ako doon sa second sentence ng second paragraph mo, kasi talagang "weather"? Akala ko wordplay lang, baka "whether" ang gusto mong ipahiwatig ... Ako na! Ako na ang nag-pproofread.


text:
Education at BCRC
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CHAVTY
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Shabbat Tisha B'Av: Cacophony and Compromise 2018
Rabbi Amy J Sapowith
Automatically create summary
Last week Sonja and I were having Shabbat dinner in L.A. at the home of old friends' of mine and their twin teenagers who are preparing to begin college in the Fall. We were seated at their Shabbat table on the patio: candles, wine, challah all set to go.
"If you want to do or say anything special just let us know," says Adam—someone I've known since middle school. We have a long history together.
"Don't make her do a d'var Torah, she's on vacation!" says his husband, Mark.
"I'm not," starts in Adam—the two of them have a quaint touch of the Bickersons.
They begin singing the blessing over the candles—using the Chanukah tune! I interrupted and redirected to the Shabbat tune. "Oh yeah," they agreeably switch tunes.
"Long or short Kiddush?" asks Mark—he's the chair of the Urology Dept at UCLA and also a mohel. "You want to do the long Kiddush, don't you?"
And I explained why we do the long Kiddush. The short Kiddush blesses God for creating the fruit of the vine. That's good for any time. But to sanctify the day of Shabbat, we have to actually say that we're sanctifying Shabbat. If you read the translation on p. 123 you'll see that that's what the long kiddush does.
"There it is, there's your d'var Torah after all," says Mark. And of course we followed with the motzi where east and west coast versions of the song had a chance to compete—but we let the cacophony stand for itself and just smiled.
I wish I could say the same for the cacophony that is taking over the airwaves here and across the oceans. Tribalism. Hyper-partisanship. Distrust. Intolerance. Our president equivocates about whether the Russians interfered in our election process and whether to hand over an American diplomat to the Russians for questioning? In Israel a liberal Israeli rabbi, of the conservative Masorti movement no less, is arrested for officiating at a wedding—woken up at 5 am by the Haifa police and arrested?! I briefly tuned in this morning to an analysis of the state of cybersecurity in our country led by cybersecurity experts from Microsoft. There I heard again how the goal of our foreign enemies who insert themselves into our social media is to create and amplify the cacophony, to incite and bring about the fall of liberal democracies, to convince their oppressed people and other aspiring masses of democracy's folly: "Is this what you want?" they point and jeer. "Look at the chaos? Our system is better."
To counter such an insidious attack, I am reaching the conclusion that the most radical act we can commit is the compromise.
In the Talmud it has been taught: The first use of the word "justice" refers to a decision based on strict law; the second use of the word "justice" refers to a compromise. How so? For example, two boats meet on a river. If both try to pass at the same time, they will collide and both will sink. But if one makes the way for the other, both can go through without accident.
In the same way, two camels meet on the road up to Beth Haran. If they both keep climbing the road at the same time, both may fall down into the valley below. But if one goes first and the other afterward, they can both go up safely.
How should they decide who goes first? If one camel is laden with goods and the other is unladen, the unladen should give way to the laden. If one is closer to the destination than the other, the one that is farther away should step aside for the other.
But if both are equal distance from their destination, they should compromise, with the one who goes first compensating the other for giving way (BT Sanhedrin 32b).
It is also said that it was a failure to compromise, a takeover by the zealots, that led to the destruction of the Jerusalem temple—the destruction we lament on the holiday of Tisha B'av, which begins tomorrow evening: the destruction that was the result of a takeover by zealots who wanted war with the Romans and who were therefore willing to provoke war. The extremists were in turn unwittingly aided by the inability or unwillingness of moderates to compromise among themselves in order to stave off the extremists' violent zeal.
The liberal order that we live by, in its classic definition: an order based on free individuals and elected representatives applying reason to solve problems, depends on compromise for effective governance. This Tisha B'av, we not only mourn the destruction of the Temple, we mourn the rise of zealotry and the destruction of the political will to compromise. And the antidote is to rebuild not the Temple, but this political will.
In our own lives, we should commit to compromise. Silly compromises, small compromises as well as significant compromises. Following Maimonides's wisdom about how to develop one's character, we should go overboard in what and when we compromise until it becomes second nature. We need to study this Talmudic text and others and determine what would be a fair compensation for a compromise. Here at synagogue, we should use our upcoming building improvement project as our own laboratory for creating this will and strengthening our ability to compromise. If we can do it around questions of design and color and artistic vision, we can have hope for our country!
When the world feels cacophonous, the quote by Ahad Ha'am makes the most sense to me. "More than the Jews have kept Shabbat, Shabbat has kept the Jews." Shabbat promises a space of rest; a respite from the outrage and the chaos. And in this more peaceful space, we can regroup and repurpose; we may even glimpse a path forward that brings promise—and at this time, bring com-promise, pronounced another way: compromise. Let's com-promise our way through the cacophony. Begin personally and locally and small, even silly—and we will build a wall, a sacred wall—against zealotry—and we will pass through as through the Reed Sea to a future not of any one person's or camp's or party's making, but a result of a healthy take and give. Give and take.
Keyn y'hi ratzon.
BCRC news & Notes
Summer at BCRC
School is out but we still maintain a full schedule at BCRC. Continue to join us for weekly Erev Shabbat services. With the sun setting later, once a month (June 28th, July 26th and August 23rd) we will have an 8 PM start time, so you can enjoy a relaxing Shabbat dinner beforehand. At 6 PM, before the Aug 23 service, we will have a special 55+ and other 'old souls' potluck dinner. And save the date on August 25th for our 'welcome back' picnic. A call for volunteers is coming soon!
Upcoming Programs & Events
Montessori Open House
Shabbat, Jul 27 12:00p
Shabbat Morning Service
Shabbat, Aug 3 10:00a
Luncheon sponsored by the Kern Family
Shabbat, Aug 3 12:30p
Private Hall Rental
Friday, Aug 9 4:00p
Shabbat, Aug 10 10:00a
Interfaith Trip to Israel on Inaugural Non-Stop United Flight
Wednesday, Jun 19 4:07p
Preview: Rabbi Amy's Busy Interfaith Outreach Week
Monday, May 20 9:42a
Message to Parents about Chabad Poway Shooting
Tuesday, Apr 30 7:14a
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redpajama_set_name: RedPajamaCommonCrawl


How do you make yourself throw up without using your fingers?
How do you make yourself throw up without using your finger?
10 Easiest Ways 1. Use Your Fingers. This is the most common method to get one throw up. It is not difficult and you can apply it without any specific tools.


Whats up guys, i love fitness, so i decided to make flickr account and share some motivation pictures, workout picture and maybe even videos.
Thanks for visiting my flickr.com profile!
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Excellent post - it is hard to break the habit of over "treating" and feeding one's pet, until you accept that obesity can shorten your pet's life!
Good advice, however, I think quality of food should also be a factor for this discussion. There are many brands of dog and cat food that include by-products that maybe toxic for most pets. Also, ingredients for many pet foods is not regulated well. Even in high quality pet foods, tracking the global suppliers is difficult.
Absolutely - it goes without saying that quality is important, especially in light of the almost daily recalls.
Great article! So many people don't realize how much food their pet is actually eating, especially if they free-feed. Measuring will definitely help!


My general field of interest is the religious and intellectual history of the Indian subcontinent, particularly as it relates to broader traditions of Sufism and Islamic philosophy, Qur'anic exegesis, and Hindu philosophy and theology (especially Advaita Vedanta and other forms of Hindu non-dualism).
My research to date has centered upon Muslim-Hindu interactions and the encounter between Arabic, Sanskrit, and Persian intellectual cultures in early modern (Mughal) South Asia. Broadly speaking, I am interested in how Muslim and Hindu philosophers, theologians, and mystics interacted with one another, and the ways in which these figures conceptualized and responded to the fact of religious diversity in the world around them. I am especially interested in the phenomenon of translation, as we find numerous Sanskrit texts being translated into Persian and Arabic in this time period, often the result of teams of Muslim and Hindu scholars working in tandem. In my future research, I aim to trace the continuing history of such interactions into the colonial and modern periods.
A few of my other teaching and research interests include Sufi poetry and didactic literature, Sanskrit aesthetics and literary theory, Indian vernacular literatures, and classical Islamic ethics.


text:
AIHTA - Publications - Search - Items where Division is "Austrian Institute for Health Technology Assessment (AIHTA)" and Year is [pin missing: value2]
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Institutions (994)
Austrian Institute for Health Technology Assessment (AIHTA) (47)
Böhler, C.E.H. and Wolf, S. (2020): Lung Cancer Screening in Risk Groups: A Review-Update of the Economic Evidence (Part II). HTA-Projektbericht 132b.
Gassner, L. and Mayer-Ferbas, J. (2020): Effectiveness of Music Therapy for Autism Spectrum Disorder, Dementia, Depression, Insomnia and Schizophrenia. HTA-Projektbericht 133.
Geiger-Gritsch, S. (2020): CAR-T Cell Therapies, ATMP and Gene Therapies in Development, Horizon Scanning: CAR-T Cell Therapy. AIHTA Policy Brief 006a.
Grössmann, N. (2020): Avelumab (Bavencio®) as monotherapy for the first-line maintenance treatment of patients with locally advanced or metastatic urothelial carcinoma. Oncology Fact Sheet Nr. 31.
Grössmann, N. (2020): Trastuzumab deruxtecan (Enhertu®) in patients with previously treated HER2-positive breast cancer. Oncology Fact Sheet Nr. 32.
Grössmann, N. (2020): Pembrolizumab (Keytruda®) as monotherapy for the first-line treatment of MSI H or dMMR colorectal cancer. Oncology Fact Sheet Nr. 34.
Grössmann, N. (2020): Selpercatinib (Retsevmo®) for the treatment of RET-fusion positive NSCLC, RET-fusion positive thyroid cancer and RET-mutant medullary-thyroid cancer. Oncology Fact Sheet Nr. 36.
Grössmann, N. (2020): Tucatinib (Tukysa®) with trastuzumab and capecitabine for the treatment of HER2-positive locally advanced or metastatic breast cancer. Oncology Fact Sheet Nr. 37.
Grössmann, N. (2020): Tagraxofusp (Elzonris®) in blastic plasmacytoid dendritic-cell neoplasm (BPDCN). Oncology Fact Sheet Nr. 28.
Grössmann, N. (2020): Carfilzomib (Kyprolis®) with daratumumab and dexamethasone for the treatment of adult patients with multiple myeloma (MM). Oncology Fact Sheet Nr. 29.
Grössmann, N. (2020): A fixed-dose combination of pertuzumab, trastuzumab and hyaluronidase-zzxf (PhesgoTM) for the treatment of early and metastatic breast cancer. Oncology Fact Sheet Nr. 30.
Grössmann, N. (2020): Blinatumomab (Blincyto®) for the treatment of patients with Philadelphia chromosome positive B-precursor acute lymphoblastic leukaemia (ALL). Oncology Fact Sheet Nr. 25.
Grössmann, N. (2020): Nivolumab (Opdivo®) as monotherapy for the treatment of unresectable advanced, recurrent or metastatic oesophageal squamous cell carcinoma (OESCC). Oncology Fact Sheet Nr. 26.
Grössmann, N. (2020): Autologous anti-CD19-transduced CD3+ cells (Tecartus®) for the treatment of relapsed or refractory mantle cell lymphoma (MCL). Oncology Fact Sheet Nr. 27. (Unpublished)
Grössmann, N. (2020): Atezolizumab (Tecentriq®) plus bevacizumab for the treatment of advanced or unresectable hepatocellular carcinoma (HCC). Oncology Fact Sheet Nr. 20.
Grössmann, N. (2020): Nivolumab (Opdivo®) plus ipilimumab (Yervoy®) and chemotherapy as first-line treatment for metastatic non-small cell lung cancer (NSCLC). Oncology Fact Sheet Nr. 21.
Grössmann, N. (2020): Niraparib (Zejula®) in patients with newly diagnosed advanced ovarian cancer. Oncology Fact Sheet Nr. 22.
Grössmann, N. (2020): Olaparib (Lynparza®) for metastatic castration-resistant prostate cancer (mCRPC). Oncology Fact Sheet Nr. 23.
Grössmann, N. (2020): Olaparib (Lynparza®) plus bevacizumab as first-line maintenance treatment in patients with ovarian cancer. Oncology Fact Sheet Nr. 24.
Grössmann, N. (2020): Venetoclax (Venclyxto®) and obinutuzumab in patients with chronic lymphocytic leukaemia (CLL) and coexisting conditions. Update July 2020. Oncology Fact Sheet Nr. 1.
Grössmann, N. (2020): Glasdegib (Daurismo®) with low-dose cytarabine (LDAC) in patients with newly diagnosed acute myeloid leukaemia (AML). Update July 2020. Oncology Fact Sheet Nr. 10.
Grössmann, N. (2020): Maintenance olaparib (Lynparza®) for the treatment of patients with germline BRCA-mutated metastatic pancreatic cancer. Update July 2020. Oncology Fact Sheet Nr. 11.
Grössmann, N. (2020): Acalabrutinib (Calquence®) for the treatment of chronic lymphocytic leukaemia (CLL). Oncology Fact Sheet Nr. 15.
Grössmann, N. (2020): Avapritinib (Ayvakyt®) for the treatment of gastrointestinal stromal tumours (GIST). Oncology Fact Sheet Nr. 16.
Grössmann, N. (2020): Belantamab mafodotin (Blenrep®) as monotherapy for the treatment of relapsed or refractory multiple myeloma (MM). Oncology Fact Sheet Nr. 17.
Grössmann, N. (2020): Durvalumab (Imfinzi®) in combination with etoposide and either carboplatin or cisplatin for the first-line treatment of extensive-stage small cell lung cancer (ES-SCLC). Oncology Fact Sheet Nr. 18.
Grössmann, N. (2020): Ibrutinib (Imbruvica®) as a single agent or in combination with rituximab or obinutuzumab for the treatment of previously untreated chronic lymphocytic leukaemia (CLL). Oncology Fact Sheet Nr. 19.
Grössmann, N. (2020): Darolutamide (Nubeqa®) in nonmetastatic, castration-resistant prostate cancer (nmCRPC). Update July 2020. Oncology Fact Sheet Nr. 2.
Grössmann, N. (2020): Brigatinib (Alunbrig®) in ALK-positive non–small-cell lung cancer (NSCLC). Update July 2020. Oncology Fact Sheet Nr. 4.
Grössmann, N. (2020): Brentuximab vedotin (Adcetris®) with chemotherapy for CD30-positive peripheral T-cell lymphoma (PTCL). Update July 2020. Oncology Fact Sheet Nr. 5.
Grössmann, N. (2020): Isatuximab (Sarclisa®) plus pomalidomide and low-dose dexamethasone in patients with relapsed and refractory multiple myeloma (MM). Update July 2020. Oncology Fact Sheet Nr. 6.
Grössmann, N. (2020): Encorafenib (Braftovi®) in combination with cetuximab for the treatment of adult patients with metastatic colorectal cancer (mCRC) with a BRAF V600E mutation. Update July 2020. Oncology Fact Sheet Nr. 7.
Grössmann, N. (2020): Daratumumab (Darzalex®) in a new pharmaceutical form associated with a new strength and a new route of administration for the treatment of multiple myeloma. Update July 2020. Oncology Fact Sheet Nr. 9.
Grössmann, N. (2020): Carmustine (Carmustine Obvius®) as conditioning treatment before transplantation in patients with Hodgkin's lymphoma (HL) and non-Hodgkin's lymphomas (NHL). Oncology Fact Sheet Nr. 14.
Grössmann, N. (2020): Cabazitaxel Accord for the treatment of patients with metastatic castration resistant prostate cancer (mCRPC) previously treated with a docetaxel containing regimen. Oncology Fact Sheet Nr. 8.
Grössmann, N. : Fedratinib (Inrebic®) for the treatment of primary and secondary myelofibrosis. Oncology Fact Sheet Nr. 33.
Grössmann, N. and Wild, C. (2020): Update PET/PET-CT evidence for need based planning in the area of oncology. AIHTA Policy Brief 003.
Grössmann, N. (2020): Alpelisib (Piqray®) plus fulvestrant for PIK3CA-mutated, hormone receptor–positive advanced breast cancer. Oncology Fact Sheet Nr. 12.
Grössmann, N. (2020): Entrectinib (Rozlytrek®) for the treatment of patients whose solid tumours have a NTRK gene fusion, or patients with ROS1-positive advanced NSCLC. Oncology Fact Sheet Nr. 13.
Jeindl, R. and Wild, C. (2020): Framework for reimbursement decisions of digital health technologies (mHealth) and its (retrospective) application on selected examples. HTA-Projektbericht 134.
Semlitsch, T. and Jeitler, K. and Zipp, C. and Krenn, C. and Horvath, K. and Zens, Y. and Hausner, E. and Sauerland, S. and Störchel, M. and Sturtz, S. and Varela Lema, L. and Paz Valiñas, L. and Puñal Riobóo, J. and Cantero Muñoz, P. and Faraldo Vallés, M.J. (2020): Lung cancer screening in risk groups. HTA-Projektbericht 132a.
Walter, M. and Strohmaier, C. (2020): Genetic Testing in the Context of Familial Hypercholesterolaemia Management. HTA-Projektbericht 130.
Wild, C. and Blagojevic, S. (2021): Annual Report 2020.
Wild, C. and Wohlhöfner, K. and Sehic, O. and Grössmann, N. (2020): CAR-T Cell Therapies, ATMP and Gene Therapies in Development, Horizon Scanning: ATMPs and Gene Therapies. AIHTA Policy Brief 006b.
Wild, C. (2020): Update 12 months follow-up: Nusinersen in spinal muscular atrophy ("late onset") in children and adolescents ≥ 6 years. AIHTA Policy Brief 001.
Wild, C. and Sehic, O. (2020): Proton and carbon ion therapy - an update on indications. AIHTA Policy Brief 004.
Wolf, S. and Grössmann, N. (2020): Home-Treatment in Child and Adolescent Psychiatry: An Analysis of the Effectiveness and Possible Implementation in Austria. HTA-Projektbericht 129.
© Copyright HTA Austria - AIHTA GmbH, Web content


Classrooms normally host a large number of people and the heat generated provides a challenge cool. Traditional cooling methods by increased low temperature supply airflow rate or use of heat sinks are expensive and mostly inefficient. The strategy of controlled air movements in the occupied zone may prove cheaper and desirable. This research investigates recirculation of room air to provide intermittent velocity cooling in classrooms. The objective of this experiment was to assess how occupants perceive the recirculated intermittent air velocity conditions in classrooms and when the variations should be introduced in the room for optimal results. This was done with a between participant design, accessing how they perceived indoor air quality (IAQ) and the thermal comfort in two velocity conditions: constant low air velocity condition (< 0.15 m/s) and intermittent air velocity condition (0.4 m/s). As shown here; intermittent air velocity has a positive effect on the perceived thermal comfort (p < 0.04) and perception of air quality: less draughty and improved humid perception. The participants perceived the conditions with intermittent velocity to give comfortable feelings and better air quality. The variations also showed better performance if they were provided at the start of occupancy as opposed to during or after a temperature build up. This strategy can be used in environments where it is rather uneconomical to provide cooling like spaces hosting a group of people: movie theatres, auditoriums, classrooms and perhaps in restaurants.


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Myriam Schmell Joins Elevate as Vice President, Global Sales
As alternative legal services market accelerates, former head of business development from Epiq Systems joins Elevate leadership
Elevate is pleased to announce the appointment of Myriam Schmell as Vice President, Global Sales. Based in New York City, Schmell joins Elevate from Epiq Systems, where she served as Senior Vice President of Business Development.
"As confidence in alternative legal services matures globally, Myriam's expertise in designing solutions and building customer-focused organizations will be invaluable," said Lokendra Tomar, CEO of Elevate.
"Myriam was instrumental in helping Epiq grow from an early stage company into a diversified, global legal service provider," said Liam Brown, Founder and Executive Chairman of Elevate, "and she will lead Elevate's expansion of our global sales team."
"I was impressed by the remarkable range of offerings that Elevate has developed, and their raving customer reviews," said Schmell. "I've joined to capitalize on this unique opportunity to make a difference."


text:
Business >>
Bus 101 Final
Help Study for the 101 exam with these
Additional Business Flashcards
A yearly statement of the financial condition, progress, and the expectations of an organization. ( able to pay bills? how much debt does a company owe? )
accounting information and analyses prepared for people outside the organization
Certified Management Accountant (CMA)
professional accountant who has met certain educational and experience requirements, pass a qualifying exam and been certified by the instituted of certified management accountants
Accounting used to provide information and analyses to managers inside the organization to assist them in decision making
What are the 5 key working areas for the accounting profession?
1. Managerial
3.Auditing
4.Tax
5. Government/not-for-profit
the job of reviewing and evaluating the information used to prepare a company financial statements
The method we use to record and summarize accounting data into reports
the recording, classifying, summarizing, interpreting of financial events and transactions to provide management and other interested parties the information they need to make good decisions
Private Accountant
An accountant who works for a single firm, government agency, or non-profit organization
What is "FASB" and "GAAP"?
1. Financial Accounting Standards Board
2. Generally accepted Accounting Principles
An accountant who passes a series of examinations established by the American Institute of Certified Public Accountants ( AICPA)
Public Accountant
an accountant who provides accounting services to individuals or businesses on a fee basis ( example: H&R Block )
An evaluation and unbiased opinion about the accuracy of a company's financial statements ( Annual reports often include an auditor's unbiased written opinion )
Certified Internal Auditor (CIA)
An accountant who has a bachelor's degree and two years of experience in internal auditing, and who has passed an exam administered by the Institute of Internal Auditors
Tax Accountant
An accountant trained in tax law and responsible for preparing tax returns for developing strategies
Government and not-for-profit accounting
Accounting System for organizations whose purpose is not generating a profit but serving rate payers, tax payers, and others according to a duly approved budget
Organizations have operational needs for which they need funds. What are the 4 key areas?
1. Managing day-to-day needs of the business
2. Controlling credit operations
3. Acquiring needed inventory
4. Making Capital Expenditures
Major Investments in either tangible long-term assets such as land, buildings, and equipment or intangible assets such as patents, trademarks, and copyrights
List some "Short-Term Funds" (Financing)
- monthly expenses
- unanticipated emergencies
- cash flow problems
- expansion of current inventory
-temporary promotional programs
List some "Long-Term Funds" (Financing)
-New Products development
-Replacement of capital equipment
-mergers or acquisitions
-expansion into new markets ( domestic or global)
-new facilities
funds, raised through various forms of borrowing that must be repaid
Money raised from within the firm, from operations or through the sale of ownership in the firm ( stock of venture capital )
Funds needed for a year or less
Long-Term Financing
Funds needed for more than a year (usually 2 to 10 years)
The practice of buying goods and services now and paying for them later
A Written contract with a promise to pay a supplier a specific sum of money at a definite time
What are some companies they reply heavily on "trade credit"?
-United Parcel Service
-Kmart
-Macy's
What is a reason a organization would have to sign a "promissory note"?
they may lack credit history, have a history of slow payments, or poor credit rating.
Instead of a small firm asking for money from friends or family, where else can they ask for money when they need short-term funds or to borrow money?
Commercial Banks, they will fully understand the businesses risk and can help analyze its future financial needs rather than borrow from friends or relatives.
A loan backed by collateral, something valuable such as property. (If the borrower fails to pay the loan, the lender may take possession of the collateral) ex: automobile loan
A loan that doesn't require any collateral ( Given to usually highly regarded customers, long standing businesses or those considered financially stable. )
Process of Pledging
Accounts receivable are company assets often used as collateral for a loan. ( process of pledging )
How does Pledging work?
A percentage of the value of a firm's accounts receivable pledged ( usually about 75 percent ) is advanced to the borrowing firm. A customer pays off their accounts, the funds received are forwarded to the leader in repayment of the funds that were advanced.
A given amount of unsecured short-term funds bank will lend to a business, provided the funds are readily available. Given to a business with a strong relationship with the bank. Line of Credit is NOT guaranteed.
Revolving Credit Agreement
A line of credit that's guaranteed but usually comes with a fee
Commercial Finance Companies
Organizations that make short-term loans to borrowers who offer tangible assets as collateral. ( Property, Planet, Equipment )Loan given to businesses that cannot get short-term funds elsewhere. Higher interest rates because of higher risk.
What is one of the world's largest commercial financial companies?
General Electric Capital, $584 billion in assets and operations in over 50 countries around the world.
the process of selling accounts receivable for cash
Unsecured promissory notes of $100,000 and up that mature ( come due) in 270 days or less. States a fixed amount of money the business agrees to repay to the lender (investor) on a specific date at a specified rate of interest.
When does a corporation use "Commercial Paper"?
When a corporation needs funds for just a few months and prefers not to have to negotiate with a commercial bank, larger firms will sell commercial paper as a strategy for funds.
According to the National Small Business Association (NSBA) nearly one third of all small firms use what to finance their businesses?
In setting long-term financing objectives, financial managers generally ask what three questions?
1. What are our organizations long term goals/objectives?
2. What funds do we need to achieve the firm's long-term goals and objectives?
3. What sources of long-term funding (capital) are available, and which will best fit our needs?
What two major sources does long-term funding come from?
1. Debt Financing
2. Equity Financing
Term-Loan Agreement
A promissory note that requires the borrower to repay the loan in with interest in specified monthly or annual installments. Loan interest is tax-deductible.
borrowing money the company has a legal obligation to repay. Firms can borrow by either getting a loan from a lending institution or issuing bonds.
When are long-term loans usually due?
3 to 7 years, but may extend to 15 to 20 years
What may lenders that offer long-term loans to businesses require due to the repayment period being quite long?
Collateral such as real estate, machinery, equipment, company stock, or other items of value. May also require certain restrictions to force the firm to act responsibly.
risk/return trade-off
The principle that the greater the risk a lender takes in making a loan, the higher the interest rate required.
Indenture Terms
The terms of agreement in a bond issue
In an organization is unable to obtain it's long-term financing needs by getting a loan from a lending institution such as a bank, it may try to issue what?
How do Bonds work?
A bond is like an IOU with a promise to repay the amount borrowed, with interest, on a certain date.
What types of organizations can issue bonds?
-Federal
-Local Government
-Federal Government agencies
-Foreign governments
-Corporations
A bond issues with some form of collateral such a real estate, equipment, or other pledged assets
Unsecured bond
A bond backed only by the reputation of the issuer; also called a debenture bond.
If a firm cannot obtain a long-term loan from a lending institution or is unable to sell bonds to investors, it may seek what?
fund available when the owners of the firm sell shares of ownership to outside investors in the form of stock, when they reinvest company earnings in the business, or when they obtain funds from venture capitalists.
Initial Public Offering (IPO)
The first time a company offers to sell it's stock to the general public
profits the company keeps and reinvests in the firm
A company that uses retained earnings often saves what? ( money wise)
- interest payments
- dividends (payments for investing in stock)
- any possible underwriting fees for issuing bonds or stock
Money that is invested in new or emerging companies that are perceived as having great profit potential
What companies were helped by venture capital?
Intel, Apple, Cisco Systems. (Started)
Facebook, Google ( helped expand and grow )
Raising needed funds through borrowing to increase a firm's rate of return
The rate of return a company must earn in order to meet the demands of its leaders and expectations of its equity holders
Securities markets are divided into what 2 markets?
Primary. and Secondary
Securities markets, financial marketplaces for stock, bonds, and other investments, serve what 2 major functions?
1. Assist businesses in finding long-term funding to finance capital needs such ad expanding operations, developing new products, or buying buying major goods and services
2. Provide private investors a place to buy and sell securities (investments) such as stocks and bonds, that can help them build their financial future.
What does the Primary Market, and Secondary Market handle?
Primary handles the sale of new securities
Secondary handles the trading of these securities between investors with the proceeds of the sale going to the investor selling the stock, not to the corporation whose stick is sold.
Corporations make money on the sale of their securities (stock) only once - when they sell it on the ___ market?
How much did Facebooks IPO (initial public offering) raise in 2012?
16 billion dollars
What company had the highest IPO (Initial public offering) in the past 25 years ?
Visa, raising 18 billion from it's IPO in 2008
Specialists who assist in the issue and sale of new securities
Explain what a investment banker does.
They can prepare extensive financial analyses necessary to gain SEC approval for bond or stock issues. Can also underwrite new issues of stock or bonds.
Large Organizations - such as pension funds, mutual funds, and insurance companies - that invest their own funds or the funds of others. Because of their vast buying power, institutional investors are a powerful force in securities markets.
A corporate certificate indicating that a person has lent money to a firm ( or a government )
the exact date the issuer of a bond must pay the principal to the bondholder
the payments the issuer of the bond makes to the bondholder for the use of the borrowed money
What are some firms that have a 100 year maturity dates?
Disney, IBM, Coca-Cola
What is the "coupon rate"?
Another word for bond interest, a term that dates back to when bonds were issued as bearer bonds.
what are 6 types of government securities that compete with corporate bonds?
- U.S government bond
- Treasury bill ( T-bill)
- Treasury Note
-Treasury Bond
-Municipal Bond
-Yankee Bond
What are the two different classes of corporate bonds?
- unsecured bonds
- secured bonds
debenture bonds
bonds that are unsecured, and are not backed by any specific collateral ( such as land or equipment )
secured bonds
sometimes called mortgage bonds, are backed by collateral such as land or buildings that pledged to bondholders if interest or principal isn't paid when promised.
3 main ideas of a bond..
- issued with an interest rate
- are unsecured or secured by some type of collateral
- must be repaid at maturity date
A reserve account in which the issuer of a bond periodically retires some part of the bond principal prior to maturity so that enough capital will be accumulated by the maturity date to pay off the bond.
What 3 things do a sinking fund do?
- provide for an orderly retirement (repayment) of a bond issue
- they reduce the risk the bond will not be repaid
- they support the market price of the bond because they reduce the risk the bond will not be repaid.
What does a callable bond do?
permits the bond issuer to pay off the bond's principal before its maturity date.
Stock investors are often called 2 things..
Bulls- believe that stock prices are going to rise; they buy stock in anticipation of the increase.
Bears- expect stock prices to decline and sell their stocks in anticipation of falling prices When stock prices are declining, the market is called a bear market.
The positive difference between purchase price of a stock and it's sale price.
a term derived from poker where the highest value chip was a blue chip. These stocks generally pay regular dividends and experience consistent price appreciation. ( Johnson and Johnson, Coca-Cola, IBM)
Stocks of corporations in emerging fields such as technology, biotechnology, or Internet related firms , whose earning are expected to grow as a faster rate than other stocks. While riskier, growth stocks may offer the potential for higher return
Income Stocks
Stocks of public utilities, usually offer investors a high divided yield that generally keeps pace with inflation
Stocks that sell for less than $2 and are considered risky investments
Market Order
tells a broker to buy or sell a stock immediately at the best price available.
tells the broker to buy or sell a stock at a specific price if that prices becomes available.
What are round lots, and odd lots?
Round lots, buying in shares of 100 at a time
Odd lots, buying fewer than 100 shares at a time.
An action by a company that gives stockholders two or more shares of stock for each one they own
Buying stock on margin
Purchasing stocks by borrowing some of the purchase cost from the brokerage firm
What financial websites carry up-to-the-minute information about companies stock and investment information?
MSN Money, Yahoo, Finance and CNBC
Which newspapers carry enormous wealth of information on investment information?
The Wall Street Journal, Barron's, Investors Business Daily
Dow Jones Industrial Average ( the Dow)
The average cost of 30 selected industrial stocks, used to give an indication of the direction ( up or down) of the stock market over time
Who Began the practice of measuring stock averages in 1882, using prices of 12 key stocks?
Charles Dow
When did the Dow broaden to include 30 stocks?
In 1999, Dow added what 5 companies?
- Home Depot
- SBC Communications
- NASDAQ
- Intel
When did Visa, Goldman Sachs, and Nike replace Alcoa, Bank of America and Hewlett-Packard on the Dow?
What are the 12 original Dow companies?
-American Cotton Oil
-American Sugar Refining Co.
-American Tabacco
-Chicago Gas
-Distilling & Cattle Feeding Co.
-General Electric Co.
-Laclede Gas Light Co.
-National Lead
-North American Co.
-Tenessee Coal
-US Leather
-US Rubber Co
When was the first major market crash, and what percentage of it's value was lost in a single day?
October 29th, 1929. Lost 13%
On what day was the largest drop in the market, and how what percentage was the drop?
October 19th 1987, with a 22% drop
How much did investors lose in the market value from years 2000-2002 due to the burst in tech stock?
$7 trillion
Program trading
Giving instructions to computer to automatically sell if the price of a stock dips to a certain point to avoid potential losses. ( Believed to be the cause of the market crashes)
What mechanisms did the US exchange create to restrict program trading whenever the market moves up or down by a large number of points in a trading day?
- curbs
- circuit breakers
What time period did prices of existing homes rise 50%?
When did housing value price fall 6.3 trillion?
Anything that people generally accept as payment for goods and services
What were items used as currencies before money?
salt, feathers, fur pelts, stones, rare shells, tea, horses
The direct trading of goods or services for other goods or services
How does a barter exchange work?
You put goods or services into system and get trade credits for other goods and services that you need.
What are the 5 standards for a useful form of money?
- Portability
- Divisibility
- Stability
- Durability
- Uniqueness
What is the newest forms of money?
Electronic Money (e-money)
How much does it cost to make a penny or nickel?
1.8 cents to make a penny, 9.4 cents to make a nickel.
Who is the Fed chairperson in control of the US Money supply?
the amount of money the Federal Reserve Bank makes available for people to buy goods and services.
Money that can be accessed quickly and easily (coins and paper money, checks, travelers checks, etc.)
Money Included in M-1 plus money that may be taken a little more time to obtain (savings accounts, money market accounts, mutual funds, certificates of deposit, etc.)
M-2 plus big deposits like institutional money market funds
rise in price
decline in price
What does the size of the money supply affect?
employment and economic growth or decline
Falling Dollar value
the amount of goods and services you can buy with a dollar decrease
rising dollar value
the amount of goods and services you can buy with a dollar goes up
What 5 major parts does the federal reserve consist of?
1. the board of governors
2. The federal Open Market Committee (FOMC)
3. 12 Federal Reserve Banks
4. three advisory councils
5. the member banks of the system
Is the Federal Reserve apart of the Us Government?
No. it's a private firm
What are the 12 Federal Reserve District Banks?
1. Boston
2. New York
3. Philadelphia
4. Cleveland
5. Richmond
6. Atlanta
8. St. Louis
9. Minneapolis
10. Kansas City
11. Dallas
12. San Francisco
What are the 3 basic tools the Feds use to manage the money supply?
- reserve requirement
- open-market operations
- discount rate
A percentage of commercial banks' checking and savings accounts that must be physically kept in the bank
Open-market Operations
The buying and selling of U.S government bonds by the Fed with the goal of regulating the money supply
the interest rate that the Fed charges for loans to member banks
What are the two interest rates the Feds can control?
What did the Community Reinvestment Act do?
encouraged loans to families with questionable ability to repay
What was the Troubled Asset Relief Program?
a 700 dollar billion bailout packagee the treasury department proposed towards the end of George bush presidency
What 3 major organizations protect. your money during an economic turn down?
- The Federal Deposit Insurance Corporation ( FDIC)
- The savings Association Insurance Fund (SAIF)
- the National Credit Union Administration ( NCUA)
Federal Deposit Insurance Corporation ( FDIC )
An independent agency of the U.S government that insurance bank deposits. ( up to 250k per account )
Savings Association Insurance Fund ( SAIF )
the part of the FDIC that insures holders of accounts in savings and loan associations
provides up to 250k coverage per individual depositer per institution, coverages include all accounts- checking accounts, savings accounts, money market accounts, and certificates of deposit.
The branch of government chosen to oversee the legal system through a system of courts
The rules, statutes, codes, and regulations that provide a legal framework for the conduct of business and that are enforceable by court action.
What laws must a business person be familiar with?
product liability, sales contracts, fair competition, consumer protection, taxes, and bankruptcy
what two major fields of laws important to businesspeople?
statutory law and common law
Statutory Law
State and Federal constitutions, legislative enactments, treaties of the cereal government, and ordinances- in short, written law
The body of law that comes from decisions handed down by courts; also referred to as unwritten law.
Decisions judges have made in earlier cases guide the handling of new cases
Federal or state institutions and other government organizations created by Congress or state legislatures with delegated power to create rules and regulations within their mandated area of authority
Uniform Commercial Code (UCC)
A comprehensive commercial law adopted by every state in the US that covers sales laws and other commercial laws
How many Articles does the UCC have?
What are the major 2 articles of the UCC?
Article 2 which regulates warranties, and Article 3 which covers negotiable instruments
guarantees that the product sold will be acceptable for the purpose for which the buyer intends to use it
Where are the two types of warranties?
Express warranties
Implied warranties
specific representations by sellers that buyers rely on regarding the goods they purchase ( i.e the warranty you receive in the box with an iPad or toaster )
guarantees concerning products legally imposed on the seller
requires seller to replace or repair a product at no charge if the product is not functioning or defective
limits the defects or mechanical problems the seller covers
Forms of commercial paper ( such as checks) that are transferable among businesses and individuals and represent a promise to pay a specified amount
Article 3 of the UCC requires negotiable instruments to follow what 4 conditions?
1. be written and signed by the marker or drawer
2. be made payable on demand or at a certain time
3. be made payable to the bearer ( the person holding the instrument)
4. contain an unconditional promise to pay a specified amount of money
payee's signature
What are 3 things a cash flow statement has?
- cash from from operating activities
- cash from from investing activities
- cash from financing activities
What are the 3 special features bonds?
- callable bond
- sinking bond
- convertible bond
What are the 5 key financial statements?
- balance sheet
- income statement
-statement of cash flow
-statement of changes in equity
- note of financial statement
Accounting does what 4 major things?
- recording
- classifying
-summarizing
-interpreting
The FR ( Federal Reserve ) control the money supply with 4 important methods, what are they?
-Reserve requirement
-open-market operations
-discount rate
-FR checking-clearing role
How do investors buy securities? ( 4 ways )
-stockbroker
-online broker
-strategy
-diversification
Relating to trade credit what does "2/10, net 30" mean
When a customer gets their bill the 2/10 means a 2% discount if paid within 10 days, if not it's due in 30 days and you won't receive the 2% discount


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Code coverage report for node-htmlprocessor/lib/blocktypes/include.js

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'use strict';

var path = require('path');
var utils = require('../utils');

module.exports = include;

function include(content, block, blockLine, blockContent, filepath) {
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      content = content.substring(0, i) + fileContent + content.substring(i + l);
    }
  }

  return content;
}

Generated by istanbul at Tue Aug 04 2015 12:42:46 GMT+0200 (CEST)

redpajama_set_name: RedPajamaGithub


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Are there weight loss tips that actually work? And that are fairly simple to implement? Most American adults over 20 do not know how to lose and maintain an ideal weight for their height. That is a fact.
How do we know this? Because a 2016 CDC study showed that 75 percent of the adult population over 20 years old in America is overweight or obese.
The problem is that you want to lose weight and do not know what to do. That is why these easiest weight loss tips of all time will help you reach and maintain your ideal weight.
Is there a weight loss tip that is easier than going to sleep? I don't think so. This is the easiest lifestyle change for you to make, but has huge effects on your weight loss, and overall health.
Increase your sleep to at least 7½-8 hours. If you live in New York City, too bad, you still have to get more than 5 hours of sleep. Why?
Because sufficient sleep regulates your body – hormones, metabolism, and lowers overall inflammation. Good sleep also repairs your body on a cellular level.
Don't be fooled by artificial lighting – the body was made to sleep when it gets dark. If your body doesn't have the proper time to repair itself, it just breaks down over time.
Sleeping regulates hormonal activity, including ghrelin – the hormone which regulates your appetite. Staying up late at night is a sure fire way to contract the 'munchies'.
Getting to sleep earlier in the evening will minimize late night food cravings (which are the worst health and weight-wise).
Aim to get to sleep by 10 or 10:30PM. No TV or internet after then. Keep your room cool and dark and give your body the rest it needs. If you have your lightest meal at night and complete dinner by 7 or 730pm, do not be surprised if you wake up 1 – 2 pounds lighter.
That's how great sleep is for weight loss.
Make a paradigm shift, and see food as medicine to ingest for maintaining good health. Focus on having as much fruit and vegetables as possible.
Look to de-emphasize processed or take-out food.
Eat slower, and stop eating when you are no longer hungry.
How can you learn to substitute fruit and veggies over high and empty calorie junk foods?
Look to crowd-out the bad foods with good ones. Look to crowd out nutrient-deficient food with healthy ones.
If you are putting nutrients into your body in the form of real foods that you like such as specific fruits and vegetables, then you body won't crave or find the need to binge on chips, cookies, or other junk.
The average human stomach is only 12 inches long and six inches wide. Don't overeat. You don't need a huge food intake to feel full, and overeating is detrimental to the body. When you overeat, the additional calories are stored as fat in your fat cells.
Find healthy foods that you enjoy, and emphasize these.
Eat at the same times on a daily basis.
Look to eat smaller portions more often.
Eat 4 – 5 times a day, 400 calories each, with only a deck of cards worth of fish/chicken/meat/beans at each meal.
Eating frequently is counterintuitive, but highly effective to stabilize your blood sugar and burn fat. Do not skip meals, so you don't become too hungry and binge.
Make your meals simple to prepare and eat.
Drink half your bodyweight in pounds as ounces of water. Your incredible kidneys need plenty of water to do their job of removing toxins.
In addition, the more hydrated your body is, the less reason your body has to retain water.
Your percent water should be 60 percent or above. If you have no idea what your body's water percentage is, consider getting a body composition scale.
Besides drinking water you can also try out herbal or green tea to keep yourself hydrated.
Sleep 7 ½ to 8 hours a night. Look to have lights-out by 10:30PM.
See food as medicine, a powerful drug. What are you putting into your body?
Hydrate – have 16 oz. of water with a squeeze of lemon juice first thing in the morning. Have a glass of water with lemon or lime in between and after meals.
Up your fruit intake in the morning, especially berries, like blueberries, strawberries, raspberries and/or blackberries.
Stop mindless eating. Eat only when you're hungry. Stop eating when you're full.
Breakfast idea – a cluster of grapes, ½ an avocado, nuts, with 1/2 cup dry oatmeal cooked.
Look for ways to increase veggies, such as a veggie omelet, experiment with sauteing new vegetables.
Look to break the status-quo of meals always containing a starch along with your protein. Instead of chicken and rice or potatoes for dinner, have chicken or fish simply with vegetables like okra, spinach, broccoli or mushrooms.
Consciously increase your vegetable intake.
Try to always have at least one cooked vegetable every evening and one raw salad every afternoon and/or evening.
You need to make peace with your body. Your body is your friend and faithful servant for your entire life, not your enemy.
The body's mission is to keep you healthy and stay alive.
Your body functions on its own (the heart has its own pacemaker pumping blood to bring oxygen to every cell, respiration takes place involuntarily, etc.), but if you don't consciously put demands on our body, it will default into lazy mode and atrophy.
Muscular endurance is an important part of fitness.
You need to be constantly building and demanding of our muscles for them to grow, because muscle tissue is very "high maintenance" and is most easily is used by the body as convertible energy.
Muscle tissue needs to be maintained – fat and muscle loss is the default of not maintaining.
Part of maintenance happens by having a good night's sleep, when tissue repair and growth occurs.
Is there an exercise easier than walking? If you are blessed with two legs and feet, make sure to use them.
Consistent physical activity demands such as 30 minutes of daily brisk walking not only helps with helps muscular endurance, builds muscular strength, and the added cardio-respiratory of brisk walking etc., but also puts demands on your heart, which done consistently will strengthen the heart muscle, and enables the heart to do its job more efficiently.
So, if you wake up one day and several of your neighbors have had heart attacks, what is the right thing to do? No, do not stop eating and sit paralyzed in fear. The answer is to ditch the processed junk that is called food, eat more real food and get off the couch. Start walking at the minimum for 30 minutes a day.
Exercise with cardio helps maintain whole body fitness.
If you cannot touch the floor in a standing position, it is because your hip flexors, hamstrings and tendons, and leg and back muscles are tight from too much sitting.
Look how many older people walk bent over.
This is due to stiffness and a lack of flexibility in their muscles from sitting most of the day and not demanding of their body.
They walk as if they are still sitting.
If a person has stiff muscles, it corresponds to them also having a stiff vascular system, which is far worse.
Walking 30 minutes per day not only burns some calories, but more importantly activates your leg muscles, which are the largest group of muscles in the body, and need the maintenance of being stretched, as well as gets the blood pumping, which provides flexibility to the vascular system.
A consistent walking program will melt your belly fat faster than you ever dreamed possible.
To minimize snacking, focus on eating more nutrient-dense foods more often.
Look to eat around 8AM, and then again at noon.
Try a cooked sweet potato and two hard-boiled eggs, or unsweetened oatmeal with fresh fruit or berries in it.
You could also make a vegetable omelette sauteed in olive oil like this breakfast.
Salmon with chickpeas; chicken with sweet potato; black bean soup. If traveling, try tuna packets in water.
Or a whole grain sandwich with a teaspoon of zatar, salad and a slice of cheese.
Sweet potato, or other veggie you like, a small amount of brown rice, and some kind of protein.
A serving, an ounce of healthy fats like avocado, raw almonds or cashews and some blueberries or an apple.
Walk briskly for 30 minutes. (or treadmill) 5x/week (ideally in the AM).
We also want to see your BMI and body fat percentage going down and your water percentage increasing.
For someone looking to lose weight, a reasonable weight loss pace is between ½ and 1 lb. per week.
Engaging in a consistent nutritious diet plan, drinking a gallon of water daily, sleeping 7+ hours, and incorporating even a moderate level of fitness will easily accomplish this.
What happens when one engages in some level of fitness training?
Aside from an overall feeling of better fitness, you get a stronger heart, your cells function better, your ability to use oxygen improves, and many other positive effects.
When beginning a fitness program, it is important to know your current Resting Heart Rate, which is a quick indicator of your fitness level. The average adult has a resting pulse rate of 70-75 beats per minute. The more fit you are the lower your heart rate. Fit people who get lots of aerobic exercise have resting pulse rates in the 50s and 60s because their heart is stronger, and pumps more efficiently.
The Karvonen Formula is a mathematical formula that helps determine your target heart rate zone. The formula involves using your maximum heart rate (MHR) minus your age to come up with a target heart rate range (which is a percentage of your MHR). Staying within this range will help you work most effectively during your cardio workouts.
If you are interested in the Karvonen formula, see the end of this post where it is included as a bonus.
10. How Does Your Body Get Fit?
The way your body gets fit, is via the Overload Principle.
Your body will adapt to your demands.
If you swim, you'll be a better swimmer, walker, runner, you'll get better bio-mechanically.
If all you're doing is sit all day, you will get better at sitting, but, you won't burn fat.
Cardiovascular fitness is lost after about 48 hours, which is why it's important to train at least every other day.
A 5 min. warm-up and 5 min. cool down are very important.
Starting or stopping suddenly, your muscles are no longer helping the blood flow to/from the heart.
A good goal would be a 5 min warm-up, 20 mins., then 5 min. cool down.
The body doesn't require much food to function optimally, and a high quantity of even healthy food is damaging. The liver can only process a maximum of about 400 calories at a time. Any additional calories are set aside, and stored as fat. Instead, focus on eating smaller portions but more often, say every 3 hours.
Your body adapts to everything you do – exercising or not exercising, hydrating or not hydrating yourself, sleeping enough or not sleeping enough, etc. If you fast for hours thinking it is ultimately good for weight loss, think again, as the body will instinctively hang onto the fat, as it will go into a self-preservation mode.
That's a maximum of 1800 calories a day. If it's nutritious food, you won't feel hungry.
If we keep doing what we have always done, we will keep getting the same results. In order to get different results, we must change our actions.
Think to yourself before potentially bingeing – "I'd rather look and feel good in my new dress for my birthday, than having this temporary pleasure of eating this now".
Get real objectivity – take a picture of yourself as you are now, and have these images handy to look at when you are considering eating fattening foods, for example, chocolate.
A definition of insanity is doing the same thing over and over and expecting a different result. Realize that a trade-off (eating smaller portion sizes , skipping junk foods, exercise where there was none, drinking and sleeping more, etc. are required in order to change your outcome to a better result. Thanksgiving is only once a year. Maintain your regimen to have a consistent return.
How does one make a lasting change? By focusing on one good habit at a time (for instance first committing to drinking half your bodyweight in ounces of water daily, then adding 7½ hours of sleep, then commit to proper daily food consumption, then adding a fitness component, such as walking).
The Karvonen formula is based on a measurement called the Heart Rate Reserve. First, you need to get your age predicted maximum heart rate. All you have to remember is to subtract your age from 220.
220 – 67 = 153 beats per minute Heart Rate Max.
Now, how do you figure out your heart rate reserve?
First, let's get your resting heart rate as we spoke about before by taking your radial pulse for one minute.
Heart Rate Reserve (HRR) = Max Heart Rate minus the resting heart rate.
Heart Rate Reserve = 153 – 70 , so the HRR in this case will be 83 beats per minute.
When you want to pick an intensity to exercise at, use a percentage of your Heart Rate Reserve.
For example, to exercise at 60% intensity will mean that you take your heart rate reserve of 83 and multiply by .60 which equals 49.8.
Then add the intensity to your resting heart rate.
In this case, that will be 70 beats per minute resting heart rate + 49.8 beats per minute intensity of heart rate reserve, which equals 120 Target Heart Rate.
Now you know, your target heart rate for training at 60 % intensity is 120 beats per minute.
Unless you have an eating disorder, weighing yourself every day will keep you on track. Pick a time every morning to see how yesterday's eating is reflected on your scale today.
My recommendation is to use a body composition scale to measure your BMI, body fat percent and water percentage progress.
Reaching your ideal weight should not be rocket science. There is no reason to overcomplicate eating, just as there is no reason to overcomplicate walking.
The problem is that our society is plagued by two great conveniences – processed foods and no need to move. Nevertheless, these two amazing 'advances', convenience foods and modern transportation do have negative consequences on health.
You grow up with amenities and wealth that few nations in history experience. The question is how can you navigate your ship to a safe harbor of mental and physical health and fitness in a modern society?
You do not need to be a registered dietitian, count calories or use smaller plates to achieve long term weight loss.
These 14 Weight loss tips will steer you in the right direction. In only 6 months, you can change your body and the trajectory of your health and fitness.
If you use any of these weight loss tips, please let me know how it works out for you. Do you have more of your own tips to add?


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(Jesper Sandström CC 4.0)
Breaking News Industry News International News Touring News
Illness Forces Status Quo To Cancel Shows
Posted on 12 December, 2017, 09:10 pm EDT by Ian Courtney Contact Me
BERLIN (CelebrityAccess) — English rock band Status Quo have canceled a series of shows in Germany after one of the band's founding members Francis Rossi became ill.
In a series of posts to their social media, the band reported Rossi's illness and announced the cancellation of Monday night's show at Friedrichstadtpalast in Berlin, followed by Tuesday and Wednesday night's performances at Jahrhunderthalle in Frankfurt and the Festspielhaus in Baden Baden respectively.
A statement released on the 68-year-old Rossi's health said: "Francis has a chest infection which has left him incapacitated and unable to sing.
"He is currently receiving medical attention in Germany and had hoped that he would be able to recover enough to perform at these shows, but unfortunately that has not been the case."
At the time of publication Status Quo's next scheduled gig is set for Dec. 15th at the Liederhalle, Beethoven-Saal in Stuttgart.
Sillerman Settles With The SEC, Permanently Barred From Serving As An Officer In A Publicly Traded Company
Leif Vollebekk Announces Biggest U.S. Tour To Date
2019 Polaris Music Prize Shortlist Revealed
MF Live Inc., Company Behind Canceled Roxodus Festival, Files For Bankruptcy


The young girl who got a surprise visit from Drake in the hospital has been discharged with the brand new heart.
Sofia Sanchez, 11, is finally home and out of the hospital after many weeks inside Chicago Ronald McDonald House and now has a new heart.
She made headlines last month when Drake surprised her while she was waiting for the transplant.
Less than a week after the "In My Feelings" rapper's visit, Sofia screeched with delight and cried tears of joy as she learned she would be getting a new heart.
"It feels great to be back to myself," she said at a news conference Thursday in Chicago.
Well-wishers applauded Sofia as she graciously acknowledged the person who saved her life.
"Thank you for the donor's family for donating their organs, if it weren't for you, I wouldn't be here now and would probably still be in the hospital," she added.


text:
Stories from Wednesday, October 3, 2007
MCC volleyball team fall in 3 games to No. 17 NPCC (College Sports ~ 10/03/07)
The McCook Community College volleyball team played their third straight ranked team Tuesday night with a similar outcome. MCC, which lost last week to Northeastern Junior College and Western Nebraska, the No. 17 and No. 1 teams in NJCAA Division I, lost to North Platte CC Tuesday night...
Missing Wisconsin woman turns up in McCook (Local News ~ 10/03/07)
A woman from Mount Horeb, Wis. who turned up in McCook Tuesday night after vanishing from her job the day before made up the story about being abducted at gunpoint, authorities said today. Tammy Fitzsimons, 25, left her lunch break Monday form a local flower shop and never returned. Her relatives worried about her absence, especially after she did not pick up her daughter from daycare later Monday...
Serviceman's funeral next week (Local News ~ 10/03/07)
SPALDING -- Services for PFC Christopher Pfeifer, 21, of Spalding, will be Wednesday, Oct. 10, at 11:30 a.m., at St. Michael's Catholic Church in Spalding. Military burial for Pfeifer will be in St. Michael's Cemetery. Pfeifer died Tuesday, Sept. 25, at Brook Army Medical Center, Fort Sam Houston, San Antonio, Texas, of injuries he suffered Aug. 17 in an insurgent attack near Kamu, Afghanistan...
Passenger still in critical condition, but 'over hurdle' (Local News ~ 10/03/07)
OMAHA -- The McCook man injured in an early-morning car accident Monday is listed in critical/stable condition in an Omaha hospital, but his mother reports that he is "over one hurdle and getting stronger." Deb Wallace of McCook, whose 22-year-old son, Justin Crist, was flown from Community Hospital of McCook to the Nebraska Medical Center in Omaha, said this morning that the doctors' first concern was a ruptured aorta. ...
What is it? (Local News ~ 10/03/07)
What was "Brunswick V&B"? Aaron Pierson of McCook discovered this trade coin exposed on top of the dirt beside the cellar door of his home in the 500 block of West Second, and wonders what store it belonged to. The coin is aluminum, or maybe pot metal, and is pitted where Pierson rubbed off accumulated years of dirt and grime. Call the Gazette, (308) 345-4500, and ask for Connie, or send an email to cdiscoe@mccookgazette.com to reveal the secret about "Brunswick V&B."...
A new view for a veteran newsman (Editorial ~ 10/03/07)
We couldn't agree more with the city councillors who admitted they had a tough decision Monday night. But we have to admit a little bias. The "loser" of two candidates for the seat vacated by Marty Conroy on the McCook City Council, Duane Tappe, was imminently qualified to take the position, having been active in numerous civic activities, most recently the drive to fund the creation of the new bronze tribute to Sen. George Norris...
Writer has good judgment (Letter to the Editor ~ 10/03/07)
I was delighted by your article in the Gazette of Oct. 1, showing a picture of a bearded Bush, and sent by someone in Cambridge. I thought everyone in Cambridge loved our great leader. Too bad you don't know who it is, or don't want to reveal their identity...
A case of BDS (Letter to the Editor ~ 10/03/07)
It is obvious that the individual mailing picture clippings of President Bush to your office is suffering from an acute case BDS. According to wikipedia, BDS or Bush Derangement Syndrome refers to the tendency by some liberals to blame President Bush for virtually every ill in the world. This would also include opposing a position advocated by the President just because he supports it, regardless of the positions merits...
Living in uncertainty (Column ~ 10/03/07)
We live in uncertain times. More and more it seems the best-laid plans somehow go awry. Months ago, knowing that Danny's mom would be celebrating her 80th birthday in late September, I marked out our week's vacation to coincide with that date. Unfortunately, we have been plagued with car troubles for months on end. In fact, I've been walking back and forth to work since Labor Day weekend as whatever ails the beast remains elusive...
Harry P. Martin (Obituary ~ 10/03/07)
July 29, 1926-Sept. 30, 2007 BENKELMAN -- Harry P. Martin, 81, died Sunday (Sept. 30, 2007), at Good Samaritan Hospital in Kearney. He was born July 29, 1926, on his family's farm north of Benkelman in Dundy County, to Raymond E. and Lula C. (McBride) Martin, and attended school near his home. He graduated from the University of Nebraska School of Agriculture at Curtis, in 1945...
Wynona Aldena Hamel (Obituary ~ 10/03/07)
Feb. 22, 1921-Sept. 29, 2007 DENVER -- Wynona Aldena Hamel, 86, died Saturday (Sept. 29, 2007), at Denver, Colo. She was born Feb. 22, 1921, and was a former resident of Imperial. Survivors include her children, Deanna Espinoza, Nancy Bressler and Peni Aronson; a sister, Trudy Nelson of McCook; seven grandchildren; and six grandchildren...
Yonkers birthday (Birthdays ~ 10/03/07)
The family of "Darky" Yonkers is hosting a card shower in honor of his 85th birthday on Oct. 7. Cards of congratulations will reach him at P O Box 167, Maywood, NE 69038.


Holy moly, just 1 week until I'm in Stockholm again. Time flies you guys! Can't wait to hug my little sister a.k.a. L and the other half of Seoulsisters! What I am not looking forward to is the cold and snow (?) if there is any yet. But it's getting cold in Seoul now too actually, it's about 6 degrees celsius at the moment. Staying in at the office as much as possible today to get rid of some paper work and then me and my love are heading to a friend's awesome apartment for some ravioli making. It's always so much fun to have friends that share the same interests as you!


Included below are New Homes for sale in South Calgary. If you would like more information on any of these South Calgary New Construction Real Estate listings, just click the "Request More Information" button when viewing the details of that property. We can provide you with disclosures, past sales history, dates and prices of homes recently sold nearby, and more.
And, if you haven't already, be sure to register for a free account so that you can receive email alerts whenever a New Construction Home in South Calgary comes on the market.
New Homes in the South Calgary area can range being built all the way from the 1950's to our current day. When you're looking for newly built homes by Calgary's home builders, you have arrived at the right place to begin your search. Communities such as Legacy, Walden, Silverado are going to be among the top neighbourhoods offering new construction homes as the City's footprint expands further South.


Matched Betting Journey June 2017 – Free Bets – Free Betting Tips – Monthly Report. Good luck and don't forget to click at betfair.
Please follow our chat in the right dawn page. When will find another matches for this strategy will post there.


A Cinderella Story is a 2004 American romantic comedy film. The film stars Hilary Duff, Jennifer Coolidge, Chad Michael Murray and Regina King and was directed by Mark Rosman. The film's plot revolves around two Internet pen pals (Duff and Murray) who meet at a school dance and fall in love but two different worlds keep them apart. It received negative reviews from critics, but was a commercial success.


The mission of The American Friends of the Royal Danish Ballet is to ensure the Royal Danish Ballet's unique combination of classical technique and expressive mime, established by August Bournonville, is continually refreshed and shared with audiences worldwide. Heralded for its storytelling tradition, support from the American Friends of the Royal Danish Ballet enables the Royal Danish Ballet's quest for original choreographic talent to extend this centures-long commitment while challenging it to push out the borders of classical dance in a way that captivates contemporary theatre-goers. American Friends of the Royal Danish Ballet is the key to making possible the artistic residencies, important restorations, new works, scholarships, media ventures and international tours to guarantee the future of this pre-eminent legacy that changed ballet forever.
- Publication of a new book describing 100 years of the historically important ballet linkages between the U.S. and Denmark.


text:
package org.apache.druid.math.expr;

import org.apache.druid.common.config.NullHandling;
import org.apache.druid.java.util.common.logger.Logger;

import javax.annotation.Nullable;
import java.util.Arrays;
import java.util.List;

/**
 */
public class Evals
{
  private static final Logger log = new Logger(Evals.class);

  public static boolean isAllConstants(Expr... exprs)
  {
    return isAllConstants(Arrays.asList(exprs));
  }

  public static boolean isAllConstants(List<Expr> exprs)
  {
    for (Expr expr : exprs) {
      if (!(expr instanceof ConstantExpr)) {
        return false;
      }
    }
    return true;
  }

  public static long asLong(boolean x)
  {
    return x ? 1L : 0L;
  }

  public static double asDouble(boolean x)
  {
    return x ? 1D : 0D;
  }

  public static boolean asBoolean(long x)
  {
    return x > 0;
  }

  public static boolean asBoolean(double x)
  {
    return x > 0;
  }

  public static boolean asBoolean(@Nullable String x)
  {
    return !NullHandling.isNullOrEquivalent(x) && Boolean.parseBoolean(x);
  }
}


text:
My Promo Pool
Showcasing Music You Have to Hear
Our Catalog Holiday & Wedding
Road Trips: Vol. 2, No. 2 - Carousel 2/14/68
Free Shipping Included! Road Trips: Vol. 2, No. 2 - Carousel 2/14/68 by at My Promo Pool. SKU: JUL11D04-29278. Hurry! Limited time offer. Offer valid only while supplies last. Valentine's Day, 1968 in San Francisco's legendary Carousel Ballroom was an extraordinary experience, and it's all captured here - as the first complete show in the Road Trips series. Thanks to a trusty 8-track tape machine, we can enjoy this magical performance that catches the band at a pivotal moment in the exploration of their own sound. It was a night where the band tried out all their newest songs - ones that we now know as classics! The package includes an essay by Blair Jackson with
Valentine's Day, 1968 in San Francisco's legendary Carousel Ballroom was an extraordinary experience, and it's all captured here - as the first complete show in the Road Trips series. Thanks to a trusty 8-track tape machine, we can enjoy this magical performance that catches the band at a pivotal moment in the exploration of their own sound. It was a night where the band tried out all their newest songs - ones that we now know as classics! The package includes an essay by Blair Jackson with some amazing anecdotes about Neal Cassady's powerful impact on the band. All discs are mastered (in HDCD) by Jeffrey Norman. Track listing: Disc 1 1. Morning Dew 2. Good Morning Little Schoolgirl 3. Dark Star 4. China Cat Sunflower 5. The Eleven 6. Turn On Your Lovelight Bonus tracks from January 1968: 7. Viola Lee Blues (1/20/68 Eureka) 8. Beat It On Down the Line (1/23/68 Seattle) Disc 2 1. That's It For The Other One i. Cryptical Envelopment ii. The Other One iii. Cryptical Envelopment 2. New Potato Caboose 3. Born Cross-Eyed 4. Spanish Jam 5. Alligator 6. Caution (Do Not Stop On Tracks) 7. Feedback 8. In the Midnight Hour Bonus CD 1. Viola Lee Blues (1/23/68 Seattle) 2. Good Morning Little Schoolgirl (1/20/68 Eureka) 3. New Potato Caboose (1/30/68 Eugene) 4. Dark Star (1/23/68 Seattle) 5. China Cat Sunflower (1/23/68 Seattle) 6. The Eleven (1/23/68 Seattle) 7. Turn On Your Lovelight (1/23/68 Seattle) 9. Hurts Me Too (1/23/68 Seattle) 10. Dark Star (2/2/68 Portland)
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Evolution of a Man (Deluxe Edition with DVD)
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A Real Live Dolly
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The Live Anthology: Ultimate Collector's Edition Boxed Set (5 CDs + 1 Blu-ray + 2 DVDs + 1 LP)
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© 2020 - mypromopool.com. All Rights Reserved.


text:
Worshippers pack Penfield service
Congregants filled St. Joseph Catholic Church to celebrate on Christmas Eve.
Worshippers pack Penfield service Congregants filled St. Joseph Catholic Church to celebrate on Christmas Eve. Check out this story on DemocratandChronicle.com: http://on.rocne.ws/1c5rA11
Staff writer Published 5:47 p.m. ET Dec. 24, 2013
Pastor James Schwartz speaks to children during the Christmas Eve Mass at St. Joseph's Catholic Church in Penfield.(Photo: CARLOS ORTIZ)
With their hearts full of joy and voices raised in song Tuesday, congregants packed into St. Joseph Catholic Church in Penfield to celebrate Christmas Eve.
"We are here to celebrate the birth of the Savior in his Bethlehem crib and the birth of the Savior in our own hearts," said the Rev. James Schwartz, pastor of the church on Gebhardt Road.
Worshippers filled the pews, and stood in the aisles as afternoon sun streamed through the stained glass windows.
The children of the church gathered in the sanctuary to sit on the steps to the altar as Schwartz read from the gospels and delivered his homily. He retold the story of Jesus' nativity, Mary and Joseph's trip to Bethlehem to take part in the census, the inn being too full to take in the couple and the little one wrapped in swaddling clothes and laid in a manger, and of God's call for them to hear and share the good news.
"To be like Mary, you have to love all the people who Jesus loves," said Schwartz. "And he loves everyone."
And, he said, God calls on his flock to always to leave space for Jesus in their hearts, even if there was no room at the inn on the night of his birth.
"The message of Christmas is that you always have plenty of room in your heart for God," he said. "And the best thing we can say to the Lord is 'Thank you,' because he loves each and every one of us."
Mary Hauer of Penfield said she was thankful to be spending Christmas with her children and grandchildren. Her family has had a blessed year.
"There is just so much to be thankful for," she said.
Matthew Wesley, 24, of Indiana, a recent graduate of Purdue University in town to visit family, said he was thankful he had recently been notified he was accepted into law school at the University of Notre Dame.
But on Christmas Eve, he said, he had another, more meaningful reason for joy.
"We celebrate because today is the day when God became man to save us from our sins," he said.
MCDERMOT@DemocratandChronicle.com
Twitter.com/meagmc
Read or Share this story: http://on.rocne.ws/1c5rA11


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"We have made tremendous progress on the promises that we made to you in 2015. We will maintain the focus. We will continue to fight corruption, prosecute anyone found guilty and get them imprisoned. It is our duty and responsibility. I urge you to vote APC from top to bottom in the elections."
Mr. Fashola had earlier explained that the party's campaign slogan, 'Next Level'; held promises for more jobs and prosperity for all. Citing the example of the Mambilla Power Project, he said the project will require 18 million bags of cement, 42000 iron and require 22500 trucks to move. He said the project will create millions jobs. He also hinted at at approval to renovate all federal government owned buildings, saying the president had already approved the maintenance which provide jobs to all categories of artisans including plumbers, carpenters, electricians and painters.
According to the Minister of Transportation and Director General of the of the APC Presidential Campaign, Mr. Rotimi Amaechi, the 2019 general election is a fight between the rich and the poor. He said the Buhari-led administration is on the side of the poor. Amaechi announced that the massive investment in rail transportation will not only provide jobs, but revolutionise the economy. "We recently launched the Iju (Lagos) to Abeokuta. We are taking that one all the way to Ibadan and it must be ready by April. I have told them to carry people free for three months before they start charging fares. Itakpe to Warri is running. We are to have Lagos to Maiduguri and Lagos to Calabar. This government is working seriously for the people of this country."
Reassuring the international community that the federal government was committed to a free and credible election, the National Chairman of the APC, Mr. Adam Oshiomhole said his party has no history of rigging election. "We do not believe in violence. On Feb 16, it will be a time for the people of Nigeria to show again that they have faith in President Buhari. The odds are in our favour. Contrary to the widely held notion, the Independent National Electoral Commission (INEC) has been absolutely unfair to the APC. If it is the Peoples Democratic Party (PDP). In Zamfara, we have been told we cannot contest the election because we did not hold a primary. There was primary in Zamfara and the court has said so, but INEC prefers to obey another court. We will join issues with INEC. We are products of they would have been shouting blue murder. We are products of struggle. The court has said we did elections, INEC prefers to believe the one that said we did not."
In line with Oshiomole's reasoning, the National Leader of the APC and co-Chairman of the party's presidential campaign, Senator Bola Ahmed Tinubu said foreign observers who wanted to come to Nigeria were free "to come and see things for themselves and write their reports. But it is not foreigners who fought for this democracy. Lagos is very sure to vote APC. This is our democracy. We will defend it. When the late President Umaru Yar'Adua of blessed memory was asked about the election that brought him to office, he confessed that it was flawed." He then asked the crowd, " who conducted the Yar'Adua election?" "Obasanjo!' They thundered back at him. "Obasanjo is the greatest election rigger," Tinubu retorted as he left the stage.
"We welcome the plan by the foreign observers to monitor the poll. After that, they should write their report and leave.
"Since the last USA election, they are still questioning the alleged interference by the Russian government in their democracy. This is Nigeria and it is our democracy."
On the poll, he asked Nigerian not to accept promises made by the People's Democratic Party, PDP candidate, Atiku Abubakar, saying, the party has done nothing for the country.
"Today is a demonstration of democracy and it is not all about President Muhammadu Buhari. Lagos is very sure for voting Buhari and APC largely in the next election.
"All the common men belong to this economy, they must share part of the democracy, we must improve the infrastructure, that is the only way we must creat jobs," Tinubu said.
"When I was governor of Lagos State for 8 years, I introduced industrial power generation system.
"Obasanjo and Atiku opposed it, I went to court and with the help of Prof.Yemi Osinbajo, we won.
" Please do not vote for him (Atiku),".
Tinubu also sensitised the people on how to cast their votes on election day, saying "today, I want to teach the opposition a lesson".
" Vote appropriately in the ballot paper for the APC and avoid your vote been voided.
" Use your index finger instead of your thumb and ensure you wait till the votes are counted.
"We appreciate the President in the last three and half years. The 2019 election is not about tribe and religion, but it's all about job , economy and infrastructure.
"In Lagos, Airport road is making life comfortable for every Lagosians. PMB has refunded some of the money we used for projects in Lagos.
"We need to continue in that direction. The president has created the ground work for growth in the country."
"if you see what we are doing in Lagos already, you will see that the Airport road is not for the Yorubas or the Igbos or the Hausas, its about making life comfortable for Nigerians and that is why Mr. President has continually supported all our projects by even refunding some of the funds we used for capital projects so that we can complete more projects," Governor Ambode said.
"Give Buhari another chance and you will see how Nigeria will move forward," Akiolu said.


This picky Fool finally uncovered some perceived values in what looks to be an expensive market.
I admit it. Even though the evidence is overwhelmingly in favor of investing regularly and holding high-quality stocks over the long term, I'm a picky investor. Despite 35 stock market corrections of at least 10% (when rounded) that have been completely wiped out by bull market rallies since 1950, I have a hard time finding value in a market that continues to hit new all-time highs. As such, I haven't been very active in buying stock in 2016.
However, that all changed over the past two weeks and change. Since the end of October, this picky investor has purchased four new stocks. Despite a U.S. stock market that's sitting at an all-time high, I believe these four companies offer an excellent risk-versus-reward here.
The most recent addition is Silver Wheaton (NYSE:SLW), a streaming and royalty company in the gold and silver mining industry. Instead of traditionally mining gold and silver, Silver Wheaton provides upfront capital to mining companies looking to develop or expand a mine in exchange for a percentage of the gold or silver stream from that mine. These deals are often for the very long term or the life of the mine.
There are a number of advantages to this type of arrangement for Silver Wheaton. To begin with, the company receives production at an exceptionally low cost. As of the third quarter, Silver Wheaton's per-ounce cash costs were just $390 for gold and $4.51 for silver. Based on the current spot prices for these metals, it works out to a gross margin above $830 per ounce for gold and $12.50 an ounce for silver. In other words, physical metals would have to plunge for Silver Wheaton's profitability to come into question.
Secondly, Silver Wheaton has a large portfolio of producing mines, meaning its outlook isn't tied solely to one or two producers. The company has worked out production deals for more than one dozen mines, and during the third quarter those mines led to 7.7 million ounces of silver and a record 109,000 ounces of gold production.
The outlook for precious metals is also pretty lustrous. Even though Wall Street pundits worry about investors trading out of precious metals for stocks or bonds as interest rates rise, the opportunity cost of owning gold or silver remains very low. Remember, even if the Federal Reserve raises rates in December, its federal funds target rate will still be well below the current inflation rate. Tack on the uncertainties created by a Trump presidency, and increasing precious-metals demand with constrained supply, and we have what I believe is a recipe for higher precious-metal prices.
Valued at only 12 times next year's cash flow per share after its Q3 profit miss, and sporting a 1.1% yield to boot, Silver Wheaton has a good chance to outperform the market in the coming years.
Another recent buy is Israeli-based drugmaker Teva Pharmaceutical Industries (NYSE:TEVA).
Teva had a bit of a rough day on Tuesday after the company reported its third-quarter results and modestly lowered its full-year forecast. Having previously forecast $22 billion to $22.5 billion in full-year sales and $5.20 to $5.40 in full-year EPS, Teva now expects revenue to come in between $21.6 billion to $21.9 billion with full-year EPS of $5.10 to $5.20. The company blamed lower revenue from new drug launches for the adjustment, but was also clear in pointing out that its slow launches aren't due to lost revenue. Teva merely expects growth to come in during 2017 and 2018 as opposed to the earlier end of the curve.
What's arguably the most exciting aspect of Teva is the recent closure of its Actavis purchase from Allergan for $40.5 billion. Though certain aspects of the deal have been a challenge, with Teva being required to sell some of its generic-drug businesses to appease regulators in select countries, the upside of the deal far outweighs these near-term speed bumps. Following its acquisition of Actavis, Teva now stands tall as the largest generic-drug manufacturer. Having such a commanding position should mean cost synergies and improved pricing power. In short, better generic-drug margins.
Furthermore, with QuintilesIMS Institute for Healthcare Informatics projecting that generic prescriptions written could grow to between 91% and 92% by 2020 from 88% now, Teva is set up to see a steady increase in volume on the generic side of its business.
As for branded therapies, I believe the concerns about multiple sclerosis blockbuster Copaxone have been overstated. Copaxone's patent expiration opened the door for generic entrants, and as a drug that once comprised more than 20% of Teva's annual revenue, most pundits believed it would strike a crushing blow to Teva's growth prospects. But, Teva managed to delay those entrants through legal finagling long enough to get an extended-release version of its MS injectable on pharmacy shelves. With a more convenient Copaxone now in place, Teva is unlikely to see much in the way of lost sales or switching to generic formulations.
Valued at only 6.6 times next year's EPS consensus on Wall Street and sporting a 2.8% dividend yield, Teva was just too cheap for me to pass up.
The one exception to the rule among my latest buys is NXP Semiconductors (NASDAQ:NXPI), which is considerably closer to a 52-week high than 52-week low. The reason NXP got my attention relates to Qualcomm's (NASDAQ:QCOM) buyout of the company and NXP's improving long-term business fundamentals.
NXP Semiconductors presents an intriguing arbitrage opportunity in that Qualcomm has agreed to purchase NXP for $110 a share in cash. However, NXP Semiconductor is only trading at $97.80 at the moment, which is a reflection of the uncertainty surrounding whether or not the deal will actually go through. Qualcomm and NXP will need multiple regulatory approvals before the deal is finalized, and the big concern revolves around whether or not the combined company will have too much control over the automotive-chip market.
However, if the deal goes through (and to be clear, I personally expect it to), investors would net a 12.5% return based on the $110 per share cash price. What's more, with the deal not expected to close until late 2017, it's possible my shares could hit long-term holding status (366 or more days held), thus pushing into the lower long-term capital gains tax rate.
But even if the deal doesn't go through, NXP Semiconductors looks primed for success. Its acquisition of Freescale Semiconductor provides cost synergies that should improve margins, while the combined company becomes a leader in mobile payment-based semiconductor solutions, automotive semiconductor solutions, and general purpose microcontroller products. In short, it should have better pricing power as a result of combining with Freescale.
Expectations for the growth behind the Internet of Things are enormous, thus hanging onto NXP over the long run, should its deal with Qualcomm fall through, would allow to me to take part in that growth. The company's sub-one PEG ratio was the final straw that pushed me off the fence and into owning NXP Semiconductor stock.
Offshore contract driller Noble Corporation (NYSE:NE) also enticed me to take a position, with its share price down more than 80% over the past three years.
The knock against Noble is clear as day: the falling price of crude oil. Offshore drilling is costlier than drilling on land, meaning Noble and its peers need a strong crude price to entice drillers to contract them. With oil dipping to a better than decade low in February, Noble has dealt with contract terminations and a shrinking backlog. Looking ahead, its once hefty profits are now expected to be losses.
There's little denying that Noble's bound to deal with some hiccups as crude oil prices look for an equilibrium, but I found plenty to like as well. In particular, Noble has one of the youngest fleets relative to its peers. Newer rigs typically are more efficient, have less downtime for repairs, and they command better dayrates. While its peers struggle to jettison older rigs, Noble and its jackups look poised to benefit from what I anticipate is an eventual rise in crude oil prices.
I believe the market has also overstated the debt concerns that Noble is facing. A majority of Noble's debt isn't due until 2025 or after. Meanwhile, if we ignore the company's near-term losses and focus solely on its cash flow, we'd see that Noble is on track to produce well over $1 in cash flow per share through 2019. This would imply that Noble shouldn't have any issue servicing its remaining debt, and presumably crude oil prices will have found a floor by then.
Considering that Noble has reduced its capital expenditures by about 80% in five years and remains cash flow positive, I believe I'm getting a great deal here.


3 bedroom(29pyeong) apartment for rent in Haeundae. 30 million won/ 700 a month or 40 million won for 600 a month Landlords super chill. 5 minutes to Jaesong subway station. Near a homeplus. 15minute walk to Shinsegae and Apec Naru Park and has a great river/city view Great for a small family or a room share between friends.
If you would like pics please pm me your emails and I will email you the pics. I tried uploading the pics on the post but it gets uploaded sideways. Thanks.
Can I see some pics? When is it available?