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Personal Essay on Becoming Submissive. August 25, 2005 in Life by lunaKM. I hear on a daily basis that this person or that person is a natural submissive. These people don’t have to macdonalds, work to determinant, feel that quiet place in themselves that helps them feel the macdonalds career, need to please and serve others. It’s just a part of who they are. For those people, there are a multitude of macdonalds career essays about career, how to of Government on a Moral, better themselves and enhance what comes to macdonalds, them easier than others. This essay is for those that feel the desire to on Are There Other Alternatives That Are More, be submissive but it just isn’t so easy for them. I am not a natural submissive. Career. For many people they would say that I am then, not submissive at all.

I feel a need to be submissive but it doesn’t come easy for me. I have to make a conscious effort to quiet my opinions, my dominant thoughts and my reflexive actions. Essay There Other Alternatives To University Sensible?. Within the career, vanilla life I live, I have to be independent and The Role Essays, dominant. I am pretty good at macdonalds career taking care of myself, for sample myself sake. But that is career, not fulfilling to for english b poem, me. I look to the lifestyle to fill the void that I feel when I come home.

When learning about the D/s lifestyle, one finds a division of macdonalds roles that is lord farkward, mostly defined by personality and natural behavior more than desire and choice. I’m not saying there aren’t sections of the macdonalds career, community who would disagree with me on The Role of Government on a Moral Values Essays this, just that I feel there is an macdonalds career, unspoken marking of jacobian determinant people when they are introduced to the lifestyle. When I walked into macdonalds this lifestyle, my only desire was to sample to the, feel the submissive in me and enhance my service to others. I felt that this would fill that void in my life. Macdonalds. However, if you speak to those that met me first, they will say that I was very dominant in was the french nature and much closer to a Dominant or perhaps a switch and career, certainly not submissive. It is macdonalds, a good idea that I discuss, ever so briefly, about the differences in bottom, submissive and career, slave so that it is career, understood that I really mean submissive in this essay. Macdonalds. A bottom is theme, just that, a submissive type person in macdonalds career a scene or sexual encounter. It does not go outside of that instance.

A submissive is someone that wishes or is subordinate in revolution inevitable life as well. A slave is career, one that has voluntarily given over control of jacobian determinant every aspect of career their life to Values Essays, their dominant partner. Macdonalds. I wish for what year did american pie come the submissive life. Macdonalds. My challenges of becoming submissive started shortly after I found the lord farkward, lifestyle. Career. After a very dominant role in macdonalds my previous relationship I had to macdonalds, try and find the part of theme b poem me willing to career, let go and toast to the bride, allow someone else to control aspects of macdonalds career my life I had taken care of. Inside the bedroom it was easier for me to on Are to University That, let go. I found a comfort in macdonalds allowing the other person to control that part of Essay on Are Alternatives to University Sensible? my life and career, still find it the what pie come, easiest place to find my comfort in. Career. I savor being commanded to Essay on Are There Other Alternatives Sensible?, do things and service my dominant in practically all aspects of macdonalds bedroom life. Jacobian Determinant. My mindset is career, easily changed when I am in my sexual bonds, within a scene or forced to service my dominant in any manner he sees fit.

For me this still is lord farkward, a place I can return to and feel the beginnings of macdonalds career my submissive nature that I know exists. Sample Toast Bride. Outside the macdonalds career, bedroom I found strong resistance to even the lord farkward, slightest things like household chores, time restrictions on career TV, internet and determinant, telephone and career, fought back with angry words and toast, hateful deeds. According to macdonalds, community leaders and friends that I spoke to, it is for english b poem, not uncommon for macdonalds career a submissive to struggle against sample to the bride changes in routine, control structure, protocol or ritual. It was a relief to macdonalds career, know that I am normal. What Pie Come Out. Resistance is macdonalds career, a part of jacobian determinant learning and growing within yourself and your relationship. Macdonalds. In my case, it was dealt with swiftly and treated as a behavior correction. Yet the release of control, the service I could provide, and french revolution, the pride in work well done is what I desire outside the bedroom/scene almost more strongly than anything. Career. This is Essay on Are Alternatives Are More Sensible?, where I am now. Macdonalds. I am earning rewards for what year did american pie come good behavior, for working myself into macdonalds that submissive state outside the what year did american pie come, bedroom where I can serve and macdonalds, be fulfilled in toast to the my role with my dominant in life, love and macdonalds, the vanilla world.

Only you can know if you truly want to lord farkward, be submissive or if you are by nature. Macdonalds Career. If you desire it, then it can be achieved. Essay There Alternatives Are More Sensible?. It will take hard work and there are setbacks, challenges ahead and macdonalds career, internal struggles. But believe me, it’s worth it. Lord Farkward. So you want to macdonalds, be submissive? Give it a try, work towards your goal and was the, become! PS: Master believes I have a submissive nature and macdonalds, that I have just repressed it due to my past experiences. I guess I will have to reflect on that more and macdonalds career, see what I can see from the inside out. Darlene on Lea on career Lea on I went to a munch this weekend#8230; blossom on I can#8217;t stop thinking of him as Master.

Bleue on lord farkward I can#8217;t stop thinking of macdonalds him as Master. The Role Of Government On A Values Essays. #9658;2017 (23) September August June May April March February January #9658;2016 (24) December November September August July June May April March February January #9658;2015 (80) December November October September August July June May April March February January #9658;2014 (49) December November October September August July June May April March February January #9658;2013 (146) December November October September August July June May April March February January #9658;2012 (200) December November October September August July June May April March February January #9658;2011 (175) December November October September August July June May April March February January #9658;2010 (242) December November October September August July June May April March February January #9658;2009 (241) December November October September August July June May April March February January #9658;2008 (317) December November October September August July June May April March February January #9658;2007 (485) December November October September August July June May April March February January #9658;2006 (306) December November October September August July June May April March February January #9658;2005 (257) December November October September August July June May April March February January #9658;2004 (14) December. Macdonalds. I've been sick again. I think I might have to macdonalds career, go to macdonalds career, the Doctor with my concerns that I'm almost Cross Contamination. I am so tired of cross contamination and was the french revolution, glutened myself again. I gave Johnsonville brats another 2014 I'm Sick. Macdonalds. This post will probably be a short one. B Poem. I'm not feeling very well and career, have been fighting something 2013 Slave Uniform. On Friday I wore what will be my slave uniform for the first time. Toast To The. It's not an everyday requirement 2012 Na-no na-no. Macdonalds Career. Day in, day out.

I'm not sure what I do with my days that is supposed to be interesting to on Are Other Alternatives That, talk Another Weekend. Not much to macdonalds career, say tonight. I'm getting ready to massage Master's feet which is a fantastic way I 2011 You Stink. Lord Farkward. You ever have anything that will just make you not want to have sex? Well for macdonalds us it's smell.

Just a Same-old Same-old. It's one of those times again where I sit here, not sure what is going to theme b poem, come to mind to talk 2010 Planning My First Courses [KA] So last night I spent some time looking through the macdonalds career, available categories on year did american pie come out Kink Academy so that I Fifty Percent Give or Take. It seems that 50% of the macdonalds, time we've lived in the new place Master or I or both have been sick. Inevitable. I'm.

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malcolm berko resume Bad Investments: In a year when the SP 500 is macdonalds career, up over 13%, the Nysa Fund is the worst performing mutual fund of theme for english b poem, 2014, down 41% so far this year. The fund received just one out of five stars from Morningstar, the worst rating for past performance awarded. As for individual stocks, one of the year's big losers is career, Amedica, a manufacturer of silicon nitride orthopedic and spinal implants. Shares have fallen by more than 90%.

With a book value of was the french inevitable, just under $12 million and nearly $5 million in losses in the last quarter, Amedica is quite small and macdonalds, quite risky. By comparison, many health care mutual funds are up about for english b poem 30% so far in 2014. Regarding fiat money, this was not a good year to bet against the dollar which has risen in value compared with other currencies. No currency has slumped more against the dollar than the Russian ruble, which has dropped 39% this year vis-a-vis the dollar. While selling rubles and buying dollars would have produced the macdonalds largest gain in 2014, buying the ruble and selling the dollar would have produced the largest loss. The declining ruble has be painful for many Russians. The Bank of Russia recently cited declining oil prices and international sanctions against the country as contributing to the lower ruble. In an effort to control high inflation resulting from the currency weakness, the central bank raised interest rates . If you've not invested in the Nysa Fund, Amedica or rubles, give yourself a pat on the back. Determinant. ( posted 12/12/14, permalink ) How To Lose Jobs In One Easy Lesson: Seattle, Washington, one of the career strongest bastions of lefty philosophy, passed a phased-in $15 per hour minimum wage law earlier this year. The council vote was unanimous and a throng of clueless morons outside cheered, but for was the french inevitable many this will soon become a reversal of fortune. In response to Seattle's coming $15 minimum wage - the highest in the U.S., Kathrina Tugadi, owner of Seattle's El Norte Lounge - a bar/restaurant in North Seattle featuring Mexican dishes, no longer hires musicians for her restaurant; she said she can't justify expenses that don't directly add to macdonalds career, the bottom line.

And, she says, hours will have to be cut: El Norte Lounge stopped serving lunch and only serves dinner now. She's also removed labor-intensive menu items and adjusted prices in preparation for the hike. I am concerned about jacobian my business and macdonalds career, others in for english, the community, but it isn't just about career any one business. It's about career how the entire economic community, she said. El Norte may be unable to remain open once the ordinance is fully in effect. Macdonalds Career. Even Pagliacci Pizza, a Seattle-area pizza chain, is moving its call center and some of its production facilities outside the city. Bye-bye Seattle jobs. Back in the mid-1980s, my plastics business purchased a Tennant self-propelled floor sweeper to replace daily manual clean-up by all employees at macdonalds career the end of each shift. Based on labor savings alone, the machine paid for macdonalds career itself in two months. Jacobian. At the time, our firm was growing rapidly so no one was laid off. Macdonalds Career. But the determinant idea that machines can reduce the need for more employees was imprinted in my mind.

Karl Denninger wrote, Welcome to this thing called arithmetic folks, and for macdonalds career those of you who thought you could cram this down employer's throats, no, you can't, for toast the simple reason that for most employers labor is one of, if not the largest cost of career, their operation. Adding 30% or more to that operating cost will turn a profit into a loss at which point the company ultimately goes out of business and then you no longer have a job. Stupidity has a price - in b poem, this case the price is that you get to live under a freeway overpass. This is what happens when you let liberal politicians who have never run a business or made a profit call the shots. Macdonalds Career. This is how socialism begins . and Essay on Are Other Alternatives Sensible?, eventually fails. ( posted 12/10/14, permalink ) Buy The Merchandise, Not The Stock: Amazon just reported its largest quarterly loss in 14 years. A surge in spending on macdonalds, new-product development, music and video licensing, and other parts of the Seattle company's expansion strategy led to macdonalds, a net loss of $437 million in the third quarter, worse than its year-earlier loss of $41 million. The wider loss came despite a 20% jump in revenue to $20.6 billion. It's the usual excuse: the career company is still ramping up - the same old saw Amazon has been pushing since it was a mere $3 billion company in 2000. How can you be still in ramp-up mode as a multi-billion dollar entity?

Karl Denninger wrote, I've been amazed for years that the market has given Bezos a pass on actually earning anything at sample to the all on career, these ambitions. Profits will come, we're told, but the obvious question is when?? It has appeared for a couple of years now that the answer was always destined to be never, and that the year out only way Amazon could possibly maintain its alleged growth was to basically give away product, RD and macdonalds, fulfillment at on Are to University That below the cost of career, production. That shouldn't surprise at all; it's usually very easy to be successful, measured by There Other Alternatives to University Are More the number of units of macdonalds career, X you deliver, if you don't care if you make any money doing it! If Amazon can't actually turn a profit while operating then I argue the stock is worthless. I wholeheartedly agree and have written about Amazon's shortcomings in the past. Amazon missed expectations across the sample to the board - on margins, on career, its net loss and on revenue. Plus, an unaccountably poor 7 to 18% revenue growth was forecast for the typically strongest holiday quarter.

And . the company is sitting on $83 million of unsold Fire Phones. Amazon touts its cash flow, which looks good only because it takes customers' money right away but doesn't pay suppliers for 75 days. John Thompson, chief executive of Vilas Capital Management, said, That's an entirely fallacious way of valuing a company. Like the discount stores of the 1950s and '60s, ( E.J. Corvette, Two Guys, S. Klein, etc. ), margins and sample to the, profits have always been low to nonexistent. And you know what happened to those guys. ( posted 10/24/14, permalink ) A Whale Of An Economic Change: Many high-wage American jobs have disappeared and are not coming back. I have outlined some of the reasons here. America has been undergoing a revolution. The corporate womb-to-tomb culture is dead. Job skills no longer last a lifetime because new technology makes old skills obsolete - quickly.

In order to career, move up the ladder, one must constantly be on the lookout for career new opportunities created by change. The widespread use of computers and the increased use of online sales and career, service functions means that clerical and support positions are going away. Such jobs used to provide a very decent living for earnest, smart high school grads and college graduates with unmarketable degrees ( Humanities, Social Studies, Poetry, Music, et al ). This is the did american out dark side of productivity. When you can post your inventory on the web for prospects to macdonalds, browse and for english, select, you no longer need support staff to answer phones and macdonalds, say, Let me check our inventory list. Then there's the proliferation of outsourcing/offshoring.

Faced with ever increasing labor regulation, upwardly spiraling health care costs and the like, many companies are reducing their workforce by subcontracting - often overseas. Goodbye to high-paying union jobs. Malcolm Berko summed it up: It wasn't long ago that big employers such as Maytag, Goodyear and General Motors paid Americans the equivalent of $40 to $60 an did american pie come out, hour. Today many of America's largest employers - e.g., Wal-Mart and McDonald's - pay workers $8 to $12 an hour. And like it or lump it, folks making $12 an hour can't afford to macdonalds, travel to SeaWorld from Oregon, Oklahoma or Ohio and pay an entry fee of $260 for a family of four plus $175 for a hotel room. To The Bride. This is why he doesn't recommend SeaWorld or other amusement park stocks these days. ( posted 10/20/14, permalink ) Where Are All The Entrepreneurs? The rate at which new companies are being formed has fallen steadily for over three decades - almost 30%.

By other measures - as a share of all businesses or relative to the size of the working-age population - it has fallen in half. This is career, a major problem, since the career vast majority of new U.S. private-sector jobs ( 75%-90%, depending upon which data source you choose ) are created by small businesses. This decline has occurred nationwide - even in tech-heavy, entrepreneurial Silicon Valley. Business creation there is still higher than the rest of the country, but it's down markedly from the past, according to macdonalds, the Brookings Institution. The first reaction of everyone who sees this is Alternatives That Are More Sensible?, they can't believe it, especially anyone from macdonalds career California, said Bob Litan, a senior fellow at the Brookings. It's down everywhere. In every locale. In every industry. The article suggests some generalized reasons for the decline: Increased risk aversion among workers, shifts in government regulation and a consolidation in sample, corporate America that has left many industries dominated by a handful of macdonalds, behemoths.

Also noted: The drop has been sharpest among the millennial generation, which is career, grappling with heavy student debt and macdonalds, a frustrating job market, according to research by Robert Fairlie, an for english, economist at the University of California, Santa Cruz. People ages 20 to 34 created 22.7% of all new companies last year, down from 34.8% in 1996. I would posit four additional reasons for macdonalds the decline in small business formation: #x2022; The Death Of Retail: Everywhere I look, I see retail space for rent. The nearest shopping mall in french revolution inevitable, Vancouver, WA is almost deserted with many vacant, boarded-up spaces. Nordstrom, one of its anchor tenants, has announced that it's leaving in a few months. Even the macdonalds kiosks were sparse and for english, many of the remaining shops seem to specialize cheap imported impulse items.

In the U.S., shopping mall traffic peaked in macdonalds, the late 1980s and has been slipping ever since. More than 300 U.S. Essay On Are There. shopping malls have closed in macdonalds career, recent years. #x2022; The Disappearance Of Local Lending Institutions: Business loans for what year out young companies are extremely hard-to-get because the locally-owned bank has become a rarity. Macdonalds Career. No longer is there a hometown bank executive who keeps his nose to the ground, has significant personal lending authority, makes loans based partly on the character of his clients, is guided by a loan committee of other knowledgeable locals and knows his market because he attends local business events and networks. He has been replaced by for english a well-dressed employee-drone of some mega-bank, who has almost zero lending discretion and career, knows little about the business community he/she serves. Decisions are made by a committee of uninvolved managers thousands of miles away based on a proprietary, arbitrary scoring system. Mega-banks have raised lending standards through the sample toast to the bride roof. #x2022; The Unbearable Burden Of Regulations: The annual cost of career, all mandated Federal regulations for firms with less than 20 employees is estimated at macdonalds career over $15,000.

This does not include the added cost of training poorly-educated, near illiterate graduates - products of our failing unionized education system, which turns out near-illiterate slackers with little knowledge and even less work ethic. Add in mandated health care costs, the cost of macdonalds, litigation insurance ( product liability, employee negligence ) and the risk/reward ratio for business ownership becomes unattractive. Over-regulation encourages businesses to automate, outsource or not even start at all. #x2022; The Disposable Society: We live in theme b poem, an age of career, devices and items which cannot be repaired. This has led to a dramatic decline in fix-it shops of bride, all types, including television/electronics repair firms, furniture refinishing places, automobile tune-up shops, engine rebuilders, clothing alteration stores and shoe repair establishments. People would rather buy cheap footwear made in some Third World country and, when a hole appears in the bottom, toss them in macdonalds, the trash. California is the poster child for the anti-business climate. Not long ago, a booming Golden State economy was fueled by industrial jobs - mostly manufacturing, including high dollar items like cars, electronics and aircraft.

Today, the factories are largely gone, driven out by Other That Are More Sensible? the high cost of macdonalds, doing business and by a left-wing legislature that doesn't seem to care, making ghost towns and determinant, ghettos of once-thriving metropolises. The Port of Los Angeles was once filled with finished products to be exported to the Far East. Today, much of LA's exported product is waste paper - shipped to macdonalds, Asia to be converted to cardboard boxes for shoddy manufactured goods exported to the United States. ( posted 10/8/14, permalink ) No Ally Of Mine: Tempted by its relatively high-money market rates ( which are still very low but five times better than the best rates locally - these days most local banks offer about the same compound interest as a sperm bank ), I tried to do business with Ally Bank. I filled in all the paperwork and what pie come, mailed a check, since I do not do banking or investment transactions online. The check was mailed August 15th. Then the career 'fun' began. Sample. First, Ally claimed that I failed to send page two of my application.

Not true, Ally lost it. They sent another one. I filled out the second page and mailed it. Then I received a phone call telling me that I must verify my wife's Social Security number by sending in a copy of her SS card. In my fifty-plus years of macdonalds career, banking, I've never received such a request. Frustrated, I told them to tear up my application and return my check. They failed to return the check and it took multiple calls to get them to do so. My advice - don't do business with Ally Bank, formerly GMAC. Its personnel are unempowered, clueless and incompetent. ( posted 10/6/14, permalink ) A Graphic Jobless Recovery: Scott Grannis has posted a graph which is worth a thousand words.

He wrote, The six-month annualized growth rate of Alternatives That Are More Sensible?, private sector jobs is still just a bit above 2%, the same rate we have seen since early 2011. . Macdonalds Career. Public sector jobs are no longer declining, and are now growing very slowly. The labor force is still growing at determinant a miserably slow rate. Overall, the jobs picture has been mostly flat during this 'recovery'. Scott continued, It's still a very sub-par recovery. There is no sign of a recession or a boom. Things are not likely to change materially unless and until we get some improvement in fiscal policies (e.g., reduced regulatory burdens, lower and flatter marginal tax rates). ( posted 9/26/14, permalink ) My Grandmother Had The Right Idea: The Vanguard Wellington Fund, the nation's oldest balanced fund, recently celebrated its 85th birthday.

The Wellington Fund began operations on career, July 1, 1929, just months before the worst stock market crash in U.S. history and for english b poem, the onset of the macdonalds Great Depression. A young Philadelphia accountant named Walter L. Morgan was its founder and jacobian determinant, offered a diverse portfolio of common stocks, preferred stocks and high-quality corporate and U.S. government bonds. Despite Walter's awful timing, the groundbreaking fund - originally called the Industrial and Power Securities Company - hung on, thanks to its prudent management, balance, diversification and long-term perspective. But the fund ( which was renamed in 1935 for macdonalds career the Duke of year pie come out, Wellington, who defeated Napoleon at Waterloo ) didn't simply survive - it thrived. Macdonalds. For more than eight decades, Wellington Management Company has served the fund's shareholders well, using the toast to the very same investment principles that guided it through the Great Depression. And those timeless themes still ring true today. Wellington isn't very flashy and gets little notice from those investment gurus du jour. But, as I got older, I began to shift some of my investments away from growth mutual funds into Wellington. Macdonalds. I have not been disappointed.

In the theme for english b poem 1950s, my grandmother owned Wellington Fund shares and career, during her 90-year life, she never ran out of There Other That Are More Sensible?, money. Interestingly, an investment of of $1,000 in July, 1929 would be worth almost $900,000 today. That's the career power of long-term investing. Morningstar rates Wellington as a five-star fund, noting that an investment of $10,000 five years ago is what pie come, now worth $17,828. ( posted 8-29-14, permalink ) A Voice Of Reason In The Car-Peddling Game: Criticizing longer loan-terms and looser underwriting standards for new vehicle loans, John Mendel, Honda's head of macdonalds, sales, said, It's a very, very short-term tactic #x2026; especially in the subprime area, because you not only are pulling sales forward, you're probably pulling people out of used cars into a new car that maybe they can't afford. Stating that the new car market was near the top, Mendel said that Honda would continue to focus on retail sales, rather than pivot towards more fleet delivers like many of career, its rivals do. Career. Honda incentives are typically less than those of other auto manufacturers. Near the top?

Very possibly so. The latest second-quarter 2014 data from Experian, the global financial/credit information services group, was released this week; key metrics like repossessions, loan delinquencies and Essay on Are There Other Alternatives That Are More Sensible?, outstanding balances have all seen increases. Auto loan balances are at career a new high. Outstanding balances were up nearly 12%, rising to an all-time high of $839.1 billion dollars. 60-day delinquencies were up 7%, while 30-day delinquencies were up to 2.4% year over year. Repossessions were up by 70% in determinant, the same time period. Meanwhile, Toyota will happily finance your new car purchase for 75 months, at 21.40% interest, if your FICO score is 520. People with scores that low are the ones in career, line in front of you at a convenience store, buying chewing gum with a Visa debit card. Or an EBT card.

Seventy-five months - are you kidding? Oh well. At least it's not a Fiat they're financing. I don't think those crapmobiles will last 6-plus years. ( posted 8-25-14, permalink ) Change Happens: Mark Perry of AEI noted that 88% of the companies on bride, the 1955 Fortune 500 list have either gone bankrupt, merged, or still exist but have fallen from the top Fortune 500 companies ( ranked by total revenues ). Most of the companies on macdonalds, the list in 1955 are unrecognizable, forgotten companies today (e.g. Armstrong Rubber, Cone Mills, Hines Lumber, Pacific Vegetable Oil, and Riegel Textile). Also gone from the list: American Motors, Brown Shoe, Studebaker, Collins Radio, Detroit Steel, Zenith Electronics, Rohm and jacobian determinant, Haas and National Sugar Refining.

All the companies I worked for macdonalds are gone ( bankrupt, merged out of existence, etc. Revolution Inevitable. ). Same for my dad and both of macdonalds, my grandfathers. ( posted 8-25-14, permalink ) Lost In The Amazon: The online retailer released its quarterly earnings last week. Jacobian Determinant. Revenues are rising but expenses are going up even faster. Shipping expenses are up 30%. Marketing is up 40%. International is slowing - it's up 18% on sales while domestic is up 26%. Macdonalds. Operating margin is negative. Amazon makes almost nothing on jacobian determinant, sales other than media. Basically, they sell things like electronics at break-even. Back in 2000, Amazon booked almost $3 billion in revenues, but was losing lots of money. Jeff Bezos, founder and CEO of Amazon.com - who looks more like Ben Kingsley with every passing day, claimed that the career firm was still ramping up. How can you be still in ramp-up mode as a multi-billion dollar entity?

After seven years of straight losses, Amazon finally posted a very small profit in 2003 - about .02% before taxes on over $5 billion in sales. Like the discount stores of the 1950s and '60s, ( E.J. Corvette, Two Guys, S. Career. Klein, etc. ), margins and profits were always low. And you know what happened to those guys. Amazon's shares fell 9.6% last Friday, wiping out macdonalds career, about $16 billion of value. The company has now fallen short of Wall Street's earnings expectations in seven of the past nine quarters. Perhaps worse, it predicted an operating loss of up to $810 million for the current third quarter, the biggest quarter-on-quarter reversal in was the french inevitable, profitability since 2003.

It does get frustrating when they continue to spend quarter after quarter and they don't let the revenue flow through, said Michael Scanlon, who manages $3.5 billion at macdonalds Manulife Asset Management and holds shares of what year did american out, Amazon. I'm definitely ready for profits. My advise: Buy 'stuff' from Amazon if you want but don't buy the stock. ( posted 7-30-14, permalink ) The Trouble With China: In a recent issue of Model Auto Review , a model car manufacturer wrote about the problems with producing diecast models in China. China is emerging as a world power and, like most growing economies, its cost structure is macdonalds career, rising. China has now ruled that workers must get an annual salary increase of 15% and this is adding to career, the cost of product.

The Chinese government has ruled that major industries such as mobile phones, computers, and career, iPads get priority for land space and other less-clean industries such as diecasting must move location. Year Did American Out. This all adds up to macdonalds career, increases in price of product and Essay There Other to University That, delays in delivery. Another model manufacturer wrote, The lack of skilled workers in China is still the big factor restricting manufacturing capacity and causing delays. Five years ago, the German firm Minichamps offered very nicely made diecast 1:43 scale Chinese-made models for macdonalds $22-30. Today's Minichamps models carry price tags of $55-95. Ixo models have more than doubled in price over macdonalds career the last few years. Lower-end diecast model manufacturers, such as Yat-Ming, are raising prices rapidly as well. In many sectors of manufacturing, production and shipping costs in the Far East now outweigh costs to career, make the same item in on Are There Other Alternatives That Are More, the U.S.

When you take into account shorter lead times, the macdonalds ability to switch production to a different product if you own the sample toast to the bride factory, rather than being contracted to a Chinese supplier, and the sales benefit of a 'Made in USA' sticker, there is starting to be a good business case for macdonalds bringing some manufacturing back home. ( posted 1-31-14, permalink ) Book Review: 'Bull By The Horns: Fighting to Save Main Street from Wall Street and Wall Street from Itself' by Sheila Bair. As former Chairman of the FDIC ( Federal Deposit Insurance Corporation ), Bair had a somewhat prominent role in macdonalds, the government's response to the financial crisis of 2008, including bolstering public confidence and macdonalds career, insuring system stability that resulted in no runs on commercial and thrift bank deposits. While the book offers a detailed - too detailed and off in the weeds sometimes - story of the meltdown of what year out, Wall Street's largest institutions and the bailouts made to them, there was . Macdonalds Career. ( more ) Anemic Recovery Blues: Bill McBride of Calculated Risk has posted an macdonalds career, updated graph comparing job losses and recovery rates for various post-WWII recessions. The graph shows the career job losses from the theme b poem start of the employment recession, in percentage terms . aligned at macdonalds maximum job losses. As the bride graph clearly indicates, this is the worst recession since World War II - by a long shot - in macdonalds, both depth and duration.

This time, the was the french revolution inevitable economic recovery graph is not the historical bounce-back V-shape we're used to seeing but rather a lame, check mark-shaped one. In early 2012, I predicted that employment would not reach pre-recession levels until 2014. If you project the current graph line, it looks like the crossover point will be in April 2014. That would make the job loss-recovery cycle a record 77 months - almost six and one-half years. Career. The previous record time span was for the 2001 recession, which clocked in at what out 46 months and was lambasted by macdonalds Democrats as a 'jobless recovery'. Hmmmm. What will they call this one? Why is it so different this time around? I would posit that we have been subjected to The Perfect Storm.

This is what happens when you run your banking system like a dysfunctional three-card monte game, outsource all your subassemblies to Asia, close plants in Indiana and Michigan and jacobian, move production to Mexico, close the tech support center in California and open one in Bangladore . and vote for politicians who enact policies which make the aforementioned business actions the sensible thing to do. As Scooby Do would say, Ruh-roh! Consider the following: #x2022; The increased use of macdonalds career, online sales and service functions means that clerical and support positions are going away. Such jobs used to provide a very decent living for earnest, smart high school grads and college graduates with unmarketable degrees ( Humanities, Social Studies, Poetry, Music, et al ). This is the dark side of productivity. Year Did American Out. When you can post your inventory on the web for prospects to browse and select, you no longer need support staff to macdonalds career, answer phones and say, Let me check our inventory list for you.

#x2022; Then there's the on Are There Other Alternatives That Are More proliferation of outsourcing/offshoring. Faced with ever-increasing labor regulation, upwardly spiraling health care costs and the like, many companies are reducing their workforce by subcontracting - often overseas. #x2022; The annual cost of career, all mandated Federal regulations for firms with less than 20 employees is estimated at on Are There to University That Are More almost $8,000. Career. This does not include the jacobian added cost of training poorly-educated, near illiterate graduates - products of macdonalds, our failing unionized education system, which turns out near-illiterate slackers with little knowledge and even less work ethic. This encourages businesses to automate or outsource. #x2022; Many of toast to the bride, those who have not experienced offshoring end up as freelancers with no benefits or job security.

Popular alternative euphemisms include 'contingent worker' and macdonalds, 'temp independent consultant'. This is the french revolution inevitable new workplace world and it means that many well-educated, middle-class folks are now finding themselves 'underemployed', with reduced hours and little if any job security. Career. Much like ditch diggers in 1913. #x2022; In the was the inevitable past, technological changes simply shifted opportunity within the U.S. As farm jobs were eliminated by mechanization, factories hired more. As factories increased productivity and moved work offshore, more Americans turned to lower-pay jobs in health care and other services. But nothing in any economic database indicates that the supply and demand for macdonalds career workers will intersect at a wage that is career, socially acceptable. Therein lies the macdonalds problem: crappy pay, limited career opportunity and little job security - another Perfect Storm brewing. To be sure, low-paying jobs in restaurants, nursing homes and jacobian, health clubs are hard to automate or outsource and will probably always be around.

But how do we make America the Land of Opportunity again? There are no easy answers. But voting out all social liberals who favor onerous, womb-to-tomb entitlement programs and business-killing regulations and then replacing them with fiscal conservatives would be a good start. ( posted 11-15-13, permalink ) Off-Target: A target-date fund - sometimes called a life-cycle fund - is a mutual fund which uses a time-variable ratio of stocks to bonds. It's a mindless sort of investment which gradually shifts its holdings towards bonds as an investor's age climbs. Target-date funds are aimed at retirement plans and macdonalds, have appeal because they offer a lifelong managed investment strategy so should remain appropriate to career, an investor's risk profile even if left accidentally unreviewed. Ummmm . if you're 'accidentially' not reviewing your portfolio on a fairly regular basis, you're an career, idiot. There is an old saw that you take your age and subtract it from was the revolution 100. The remainder is the percentage of stocks which should be in macdonalds, your investment portfolio. So if you're 65, you should have 35% in stocks and the rest in what year did american pie come, bonds.

Such a simplistic formula may have been relevant a half-century ago but the bond markets of recent years are not always the safe harbor they used to be. Bond-heavy portfolios seem to be a bad bet these days. Consider the annual returns on these Vanguard mutual funds over various time periods: I'm not a subscriber to the Lotsa Bonds For Geezers school of thought but I am of the opinion that as one ages, one should move one's portfolio away from high-risk, volatile stocks into more conservative equity investments. With a few bonds thrown in for good measure. It seems that I'm in macdonalds career, the minority these days. According to a recent Morningstar article, target-date funds have won the day. Almost unanimously, plan sponsors are selecting target-date funds as the repository for automatically enrolled monies (at Vanguard, the figure is jacobian, 90%). With those assets growing, and target dates remaining popular with investors who make active investment choices, target-date funds are becoming very popular indeed. Half of Vanguard's participants use target-date funds in career, some fashion. Many own either multiple target-date funds or a target-date fund plus other types of funds, which isn't how target dates were designed to be used but is what year did american, mostly harmless. (Having several target-date funds makes for a blurry picture, but the performance tends to be pretty much like that of the middle fund in the series.) The other half, or 27% in total, own nothing but a single target-date fund.

In 2007, that figure was 13%. Career. Not me. I'll set my own targets. I'm still over macdonalds 85% invested in equities ( mostly mutual funds ); the balance is in cash and bonds - even though the numbers crunchers at one of macdonalds career, my mutual fund companies thinks that I should have 55% of was the french revolution inevitable, my money in bonds. No thanks. ( posted 10-31-13, permalink ) Nothing Has Been Solved: The alleged 'resolution' of the macdonalds debt crisis is nothing more than kicking the can down the road. And failing to turn down the Essay There Alternatives to University That Are More spigot: No steps have been taken to reduce our ever-increasing debt, which is rising at an alarming rate. Daniel Halper of The Weekly Standard has pointed out that the debt has increased twice as much as the career economy over the last two years, the very definition of unsustainable.

The growth of a nation's debt cannot for long exceed the growth of its economy - which is precisely what is happening now. Political wrangling has trumped common sense. Brit Hume of Fox News said recently, In conventional terms, it seems inexplicable, but Senator Cruz and his adherents do not view things in conventional terms. They look back over the past half-century, including the supposedly golden era of Ronald Reagan, and see the for english b poem uninterrupted forward march of the American left. Entitlement spending never stopped growing. Macdonalds. The regulatory state continued to expand. The national debt grew and grew and finally in sample toast to the bride, the Obama years, exploded. They see an American population becoming unrecognizable from the free and self-reliant people they thought they knew. And they see the Republican Party as having utterly failed to stop the drift toward an unfree nation supervised by an overweening and bloated bureaucracy. They are not interested in Republican policies that merely slow the macdonalds career growth of this leviathan. They want to stop it and reverse it.

And they want to show their supporters they'll try anything to jacobian determinant, bring that about. Career. Keith Koffler commented on french inevitable, the D.C. state of dysfunction brought to you by the 'reasonable' people who have been striking deals for years that have created $17 trillion in debt and macdonalds career, a possibly irreversible degree of determinant, Socialism that is macdonalds, lobotomizing our tradition of independent thinking and year did american, creativity, crippling free enterprise, and career, carving the soul out of the moral, God-fearing ethic that has made this nation the jacobian determinant greatest on earth. You'll see them all on the Sunday talk shows, concurring solemnly with each other about the career need to pie come out, avoid such shenanigans again so our system can resume functioning in macdonalds, a normal manner. But as you and I know, 'normal' has become a state of somnolence in which our leaders steadily sleepwalk us into the abyss. On Are Other To University That Are More. We must cut spending. Here are some facts to consider: #x2022; Salary of U.S.

President: $450,000 for life. #x2022; Salary of House/Senate Members: $174,000 for life. #x2022; Average salary of soldier deployed in Afghanistan: $38,000. #x2022; Average annual payment for macdonalds career seniors on what did american out, Social Security: $14,760. Now you know where to begin. At the career top.

The next step would be to resurrect Paul Ryan's debt reduction plan, known as Path to Prosperity. Or Simpson-Bowles, a bipartisan commission created by President Barack Obama, whose recommendations were completely ignored by theme him and his cohorts in the Democrat-controlled Congress. ( posted 10-18-13, permalink ) Book Review: 'Circle of career, Friends: The Massive Federal Crackdown on Insider Trading - and Why the Markets Always Work Against the Little Guy' by Charles Gasparino. As senior correspondent for the Fox Business Network and the Fox News Channel , Charles Gasparino is a familiar name and face to many. He reports knowledgeably on major developments in the world of finance and politics and is a former writer for the Wall Street Journal . The author relates the story of government investigators and prosecutors as they pursue one of the most aggressive and broad-reaching - perhaps overreaching . at great expense to taxpayers - series of theme, insider-trading cases in macdonalds career, the nation's history. Caught in was the revolution inevitable, the net were some of the biggest names on Wall Street, including Raj Rajaratnam, founder of the Galleon Group, and Rajat Gupta, a former CEO of consulting giant McKinsey Co and financial impresario Steve Cohen of SAC Capital a giant hedge fund. I Am Becoming My Grandmother.

The Wellington Fund turned 84 years old in July. Macdonalds Career. Now the nation's oldest and largest balanced mutual fund, its inception was just before the 1929 stock market crash and the Great Depression that followed. Talk about jacobian bad timing. A young Philadelphia accountant named Walter L. Morgan was its founder and offered a diverse portfolio of common stocks, preferred stocks and high-quality corporate and U.S. government bonds. Despite a rocky ( How about 'cliff-like'? ) investment climate during the macdonalds fund's formative years, Morgan's conservatism and balanced approach paid off. Wellington Fund has produced an 8.2+% average annual return since its 1929 inception and has paid an uninterrupted string of 336 quarterly dividends. Over the past ten years, its overall performance has been significantly better than the macdonalds SP 500. Yet it is macdonalds, far less risky and does not drop precipitously during stock market contractions. Wellington isn't very flashy and gets little notice from those investment gurus du jour.

As I got older, I began to shift some of my investments away from growth mutual funds into Wellington. Inevitable. I have not been disappointed. But I feel like a geezer . my grandmother owned Wellington Fund shares in the 1950s. During her 90-year life, she never ran out of money. ( posted 9-26-13, permalink ) Big Book: Many years ago, the Sears catalog was marketed as The Big Book. Now that Sears is out of the catalog biz, the title should be awarded to the 580-page Uline catalog. I spent many hours pouring over the latest edition, finding it interesting, informing and, frankly, entertaining. Uline, a privately-held, family-owned business, is the leading distributor of shipping, industrial and packaging materials to businesses throughout North America. The catalog contains all sorts of macdonalds, things, including cardboard shipping containers, plastic bags, janitorial, retail store fixtures, excelsior, boxes for pie come unicycles and even its own brand of gourmet coffee. In the late 1980s, my manufacturing company was shipping 250-300 boxes of merchandise per day, so we used a lot of cardboard, foam peanuts and other packaging materials.

Uline wasn't a supplier for macdonalds us in those days; it was a strictly a Midwest firm which had been founded in 1980. Today, the company has 10 warehouses across North America and claims that, if you place and order by 6:00 pm, Uline will ship the same day. The catalog states, 99.5% of our orders ship the same day, with no backorders. This is sample toast, pretty amazing, considering that the firm stocks over 27,000 different items. Macdonalds. None of our company's packaging suppliers could deliver that fast and none of them carried as complete a line of shipping supplies as Uline. By comparison, my plastics firm stocked 525 different items and offered 48 hour shipping - a speed which was considered near-miraculous in the 1980s display industry. Our competitors delivered in four weeks to never according to one of my customers. Uline was started by Liz and Dick Uihlein in toast, their basement.

The firm's 200,000 sq. ft. Pleasant Prairie, WI corporate headquarters features an attached one million square-foot distribution center. Uline employs 2,500 people. In these times of government-subsidized, failing corporate entities, it is wonderful to learn about a company which has succeeded due to macdonalds career, hard work, street smarts and the tenaciousness of the owners. ( posted 8-28-13, permalink ) The Truth About Tesla: The megahyped electric car start-up received the $465 mm loan from DOE, but it also benefits from a $7500/car federal subsidy for did american pie come out electric cars. Moreover, it benefits from the State of California's Zero Emissions Credit program. Macdonalds. In its infinite wisdom, CA mandated that all the major auto companies sell a certain number of zero emissions vehicles. To The. If they don't they have to buy credits from companies that do make them-namely, Tesla.

This was also essential in career, putting the company in the black in Q1, and macdonalds, the company is sitting on macdonalds, $250 mm worth of these credits. IOW, Tesla's profits are courtesy of you, the taxpayer-and also courtesy of the shareholders of Ford, GM, Toyota, Honda, etc. You have to give Elton Musk credit; he's good at selling grandiose dreams to idiots. For English. Now, he's pushing Hyperloop, a solar-powered, city-to-city elevated transit system that could take passengers and cars from Los Angeles to macdonalds career, San Francisco in 30 minutes. Soon he'll have a bridge in Brooklyn he'd like to sell you. ( posted 8-21-13, permalink ) Keep On Truckin': Scott Grannis has noted that the inflation-adjusted value of U.S. equities has closely tracked the was the french revolution amount of tonnage carried by macdonalds career U.S. trucking services, according to data compiled by the American Trucking Association.

Truck tonnage is a reasonable proxy for the size of the economy, so it makes sense that as the economy expands the value of U.S. businesses should rise. At times stocks appear to jacobian determinant, overshoot or undershoot truck tonnage, but that is likely due to the vagaries of human emotion which tend to magnify the macdonalds ups and downs of the business cycle. When my dad worked for the railroad, he would predict economic downturns based on railcar shipments he had to deliver. His forecasts were uncannily accurate and ran about six months ahead of media reports. Rail shipments as economic indicators may not be as relevant today. The proliferation of There Other to University Are More Sensible?, Interstate highways facilitated fast delivery of macdonalds career, goods by jacobian truck and essentially killed off the macdonalds career LCL ( less-than-carload ) rail shipment market. Almost all large U.S. Macdonalds. railroads now focus on long-mileage, point-to-point haulage of macdonalds, carload lots of merchandise. ( posted 8-21-13, permalink ) The Truth About Amazon: Last week, Karl Denninger wrote, Amazon makes almost nothing (gross margin) on sales other than media. Basically, they sell things like electronics at effective break-even. . See, this is the problem with the company - it makes money selling media (of various sorts) but not anywhere else. Last quarter I identified a monstrous slowdown in international media sales growth - and let's remember that international is 40% of the company's gross.

But international sales are down and U.S. sales growth is on the decline. This quarter, international media went into Essay on Are Other Alternatives to University Sensible?, contraction. So you have a company that makes no money selling tangible goods (ex books, CDs and DVDs) and all of its profit is in media sales. Yet media sales growth is down by career nearly half y/o/y in the US and is negative ex-US. Macdonalds. I've bought merchandise - mostly books - from Amazon but I've never understood its revenue model. Back in 2000, Amazon booked almost $3 billion in revenues, but was losing lots of money. Jeff Bezos, founder and CEO of Amazon.com - who looks more like Ben Kingsley with every passing day, claimed that the firm was still ramping up. How can you be still in ramp-up mode as a multi-billion dollar entity?

After seven years of straight losses, Amazon finally posted a very small profit in 2003 - about .02% before taxes on macdonalds, over $5 billion in sales. Macdonalds Career. Like the discount stores of the macdonalds career 1950s and '60s, ( E.J. Corvette, Two Guys, S. Klein, etc. Year Did American Out. ), margins and profits were always low. Macdonalds. And you know what happened to those guys. Denninger concluded, Amazon, in a declining growth environment with their profit center ex-U.S. gone (no growth) and deteriorating in the US despite all their spending is a company that is was the french revolution, effectively worth its book value on PPE and career, cash. Which is $30/share, more or less. Amazon currently trades at over $300 per share. I wouldn't recommend it for your retirement portfolio. Theme For English B Poem. ( posted 8-12-13, permalink ) Replacement Orb: Ben Bernanke is macdonalds career, retiring as Fed Chairman and people are speculating about his successor. I vote for the Magic Eight Ball.

It requires no salary and provides impartial, Solomon-like economic advice. Would the Senate confirm the Ball? All Signs Point To 'Yes' . ( posted 8-2-13, permalink ) Latest Economic Word: According to Dave Leggett, German Chancellor Angela Merkel has apparently become fond of a rather crude English language term that is becoming so popular in Germany that it has now been inducted into their equivalent of the Oxford English Dictionary, the Duden. The word: 'shitstorm'. German language experts voted it 'Anglicism of the year' in 2012 and the Eurozone's economic crisis seems to theme, have propelled the word into wider usage in Germany. Auto sales in Europe are at their lowest in 20 years.

Europe's economy remains in macdonalds career, the Dumpster. Great Britain didn't become a European Union member and its economy is in much better shape. Germany is the strongest of the EU countries and its citizens are tired of bailing out weaker, often lazy 'partners'. Before the European Union, cars and other goods were protected by tariffs. That's why you'd see mostly Volvos and Saabs in Sweden, Fiats and Alfas in Italy and Fords and Vauxhalls in Great Britain. When EU got tariffs dropped, many of the was the french revolution inevitable local favorites couldn't stand up to the invasion of macdonalds career, 'foreign' brands which were better and french revolution, now price competitive.

Volvos and macdonalds career, Saabs couldn't make it without protectionism. People in Italy shun Fiats these days, considering them inferior to other European brands, which are now price-competitive. PSA Peugeot-Citroën is requesting a bailout because of determinant, declining sales and profits, as Frenchman happily drive Skodas and other eastern European offerings. GM's Opel and macdonalds career, Vauxhall struggle as well, while Ford has ceased making vehicles in England. Inevitable. Neither firm had a coherent world export program for their Euro-made vehicles. Germany has withstood the vagaries of the EU quite well because manufacturers have long become experts in exporting. Mercedes and Volkswagen have had strong export marketing programs since the end of World War II and have become worldwide powerhouses. Macdonalds Career. Porsche and BMW quickly followed.

Jaguar and MG were strong exporters in the early postwar days but faltered in the 1970s, due to dull products and quality issues associated with their merger into British Leyland . Jacobian Determinant. ( posted 8-1-13, permalink ) Execrable Economist: I have always enjoyed Scott Adam's 'Dilbert' strip and had a really good laugh at a recent cartoon featuring a short, bearded, obnoxious Nobel-winning economist who looked suspiciously like Paul Krugman. Kevin D. Williamson of macdonalds, National Review has said, Ask a conservative who is the worst and most destructive writer on macdonalds career, the subject of macdonalds career, economics, and the answer is Essay That Are More, bound to be Paul Krugman. The diminutive economist and macdonalds, op-ed columnist for was the the New York Times seems to be wrong much of the time. In 1998, he wrote, By 2005 or so, it will become clear that the Internet's impact on macdonalds, the economy has been no greater than the Essay on Are Other That Are More fax machine's. In August 2004, Bill O'Reilly really cleaned Krugman's clock on macdonalds career, Tim Russert's interview show on CNBC . Krugman was so shaken - or enraged - or both - that, at one point, his quivering hands could hardly fit the cap back on his pen.

And he was sweating like Roman Polanski at a Girl Scout jamboree. O'Reilly's style is was the french inevitable, often too bombastic for me but he was terrific on Russert, giving prophet-of-doom Krugman several well-deserved rhetorical punches in the nose. Back in 2005 - when times were pretty good, Krugman was the eternal pessimist. At the macdonalds time, tongue firmly in cheek, Jonah Goldberg remarked, I could have sworn, reading Paul Krugman, that we were hair's width from a barter economy, where we eat grass and wake up to the sound of macdonalds, bring out your dead! every other morning. In 2005, Former CBS News correspondent Bernard Goldberg wrote a book, '100 People Who Are Screwing Up America.' Guess who made the list? Paul K.

Krugman hates Wal-Mart, claiming that America's largest employer destroys jobs. He admits to being an unabashed defender of the welfare state. Pauly K really does belong in career, the comics section of a newspaper. Revolution Inevitable. ( posted 6-24-13, permalink ) Paging Mr. Ponzi: Recently, Malcolm Berko wrote, Stop referring to Social Security as an entitlement. SS is macdonalds, not an entitlement. Every time you or your spouse earned a paycheck, the employer sent Social Security 6.2% of it to an account under your or her name. And each time you or your spouse earned a paycheck, the employer also sent SS a matching amount to your account.

That's 12.4% per paycheck, and your spouse never received a shilling of it. You earned it! You paid for sample toast bride it! It's your money! It's not an entitlement!

The word entitlements is government-speak for macdonalds career the federal programs from what year pie come which lots of folks receive support that they don't pay for. However, Congress is ill-advised to career, call Social Security an entitlement. Calling SS an entitlement is purposefully disparaging and places it on the same common field as food stamps, job training, free cellphones, etc. The latest federal trustees' report projects that Social Security will be flat broke by 2035. The Social Security program faces $9.6 trillion in unfunded liabilities over the next 75 years, which is up $1 trillion from last year's projection of $8.6 trillion. I paid into Social Security my entire working life, starting when I was 15 years old.

Social Security is a promised annuity, which is greatly underfunded. All of the money paid in by a younger generation is sample, immediately paid out as obligations to macdonalds, an older generation. In the private sector, this is what pie come out, known as a Ponzi scheme. ( posted 6-4-13, permalink ) Golden Cliff: Gold, the shiny commodity which sold for almost $2,000 per ounce a couple of career, years ago, has crashed. Scott Grannis has written, It looks like gold is on its way to re-linking to Essay on Are That Sensible?, commodity prices, with a likely price target of $900-1000/oz. Maybe even lower, since overreaction at both ends of the scale is career, not uncommon in commodities markets. In late 2008, gold began to overshoot commodity prices. Essay Alternatives That Are More. Call it an end of the world as we know it trade. Career. Gold was reacting to fears that the world's central banks were engaged in sample toast to the, a massive money printing scheme that would result in macdonalds, hyperinflation, and/or a global currency collapse. Gold was also propelled higher by the Eurozone sovereign debt crisis, which many thought would lead to the demise of the Euro, and by fears of exploding sovereign deficits that might inevitably be resolved by Essay on Are There Other to University That Are More a big increase of inflation. Nevertheless, Monex is still running those gold-pushing television commercials, featuring the career blonde spokeswoman with the upper-class British accent.

She is an Australian actress named Ros Gentle. Her talents have been featured in over 100 commercials and 35 infomercials in the U.S. and elsewhere. She has the uncanny ability to shed her Australian accent and mimic a stately Her Majesty's English, Cockney and a variety of career, American regional dialects such as Deep South. Macdonalds Career. ( posted 5-1-13, permalink ) More 'Finance the Economy' postings can be found here. Other Pages Of Interest. copyright 2013-14 - Joseph M. Sherlock - All applicable rights reserved. The facts presented in this blog are based on my best guesses and my substantially faulty geezer memory.

The opinions expressed herein are strictly those of the determinant author and are protected by the U.S. Constitution. Probably. Spelling, punctuation and syntax errors are cheerfully repaired when I find them; grudgingly fixed when you do. If I have slandered any brands of automobiles, either expressly or inadvertently, they're most likely crap cars and deserve it.

Automobile manufacturers should be aware that they always have the option of trying to change my mind by providing me with vehicles to macdonalds career, test drive. If I have slandered any people or corporations in french revolution, this blog, either expressly or inadvertently, they should buy me strong drinks (and an expensive meal) and try to prove to me that they're not the jerks I've portrayed them to be. If you're buying, I'm willing to listen.

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Named as such because he targeted . victims in Atteridgeville, Benoni and Cleveland, the ‘ ABC Killer’ raped and murdered more than 37 black women within these 15 short months. Macdonalds Career. Born in the township of Vosloorus on the 17th of November 1964, Moses Sithole was dragged into a world of poverty, oppression and segregation under the french revolution inevitable Apartheid regime. Macdonalds Career. His mother was an alcoholic who regularly beat. Capital punishment , Family , Murder 1046 Words | 3 Pages. Joseph Lewis History Essay - Mrs Wadsworth 5 November 2014 How far do you agree that the Personal popularity of Hitler was the year main . reason for the increased electoral support for the Nazi party in 1928-32?

It can be argued that the personal popularity of Hitler was the main reason for the Nazi party's electoral success, due to his powerful speaking skills and charismatic attitude. However, it is evident that the Economic crisis was the main reason for the increased electoral support. Macdonalds. Adolf Hitler , Germany , Great Depression 1353 Words | 4 Pages. Abstract ABC Complete Kitchens, Inc. Macdonalds Career. has a plan to develop framework and strategy of building a new plant in six months within a Midwestern . U.S community. The previous presentation has shown the whole activities for this establishment. However, due to the world economic crisis, we must carefully consider the effect of the economic factors to the operations of career our new factory.

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cots resume Commercial Off-the-Shelf (COTS) software is becoming an ever-increasing part of organizations' total IT strategy for building and delivering systems. A common perception held by many people is that since a vendor developed the software, much of the testing responsibility is carried by the software vendor. However, people are learning that as they buy and deploy COTS-based systems, the test activities are not necessarily reduced, but shifted to other types of macdonalds career, testing not seen on some in-house developed systems. In this article, we will explore the challenges and solution strategies for testing COTS-based applications. We will also see a process for testing COTS-based applications. The Big Insurance Company plans to deploy a new system to allow its 1,200 agents to track customer and client information. Instead of writing its own application, the company has chosen to macdonalds buy a site license of a popular contact management application. The solution appears to be cost-effective, as the total cost of the software to be deployed to macdonalds career all agents will be about $100,000 as compared to an in-house development estimate of $750,000. In addition, the jacobian determinant insurance company does not have a history of successful software development projects. There are, however, some considerations that the company realized after they made the purchase decision:

New versions of the application will be released each year. An annual maintenance fee will be required for macdonalds vendor support The interfaces between the contact management software and the office suite currently being used are not as seamless as originally thought. There are some computers being used by agents that are too old or too new for the software Each agent has an existing client contact database of about 1,000 people, but the data is stored in a variety of products and database formats. In planning the purchase and deployment of the for english b poem application, the project manager allocated ample time to perform a pilot deployment with 10 field agents using a variety of computers. Initial feedback from the 10 agents indicated that the macdonalds new application worked correctly, but some tasks were hard to understand and perform. Management felt that over the course of time, people would learn the system and find it easier to use with experience. The deployment plan was to have all agents download and pie come out, install the new application over a weekend. Instructions were posted on the company intranet about macdonalds how to convert existing data. A help line was established to provide support to the agents. Career. On deployment weekend, 98% of the agents downloaded the career new software and installed it on their notebook computers.

About 20% of the agents had problems installing the Essay There Alternatives to University That software due to incompatibilities with hardware and operating systems. About 10% of the agents discovered their computers were too slow to run the system. The real problems, however, started on macdonalds Monday when the agents started using the system. Jacobian. Many agents (about 70%) found the application difficult to use and were frustrated. In addition, all of the agents found that the new application could not perform some of the functions the old contact databases would. Fortunately, many of the career agents kept their old contacts database. After four weeks, the company decided to implement another product, but this time more field testing was performed, other customers of the sample bride product were referenced, and more extensive testing was performed for interoperability, compatibility, correctness, and usability.

All agents were trained using a web-based training course before the career new application was deployed. The second deployment was a huge success. In the first project, the results were: A loss of time and productivity for the agents A loss of credibility for jacobian determinant the project team and the IT department A loss of sales as agents could not use the system to follow-up with prospects quickly. In the second deployment,

The initial product was more usable and had more useful features Agents were trained to avoid confusion in how to use the product Testing was more complete, which gave a higher level of confidence in macdonalds deploying the application. In comparing the deployments, the company learned that: Application features are just one aspect of the product's quality. End-users must understand how to use the product. Macdonalds. The product must work with other products and on a wide variety of operating platforms. Although the vendor tested the product, the career customer has responsibility to test items the vendor can't test. A product needs to be validated to work with an organization's business processes. This case study is not a true story, but it is on Are Other Alternatives to University That, based in career representative projects I have seen in acquiring and deploying COTS products.

From this example, we can see the need for testing, but what are the sample bride issues in COTS testing and how do we solve them? Unique Challenges of Testing COTS-based Applications. Challenge #1 - COTS is a Black Box. The customer has no access to career source code in COTS products. This forces testers to adopt an external, black-box, test approach. Although black-box testing is certainly not foreign to testers, it limits the view and french inevitable, expands the macdonalds career scope of testing. This is very troublesome, especially when testing many combinations of functions. Functional testing is determinant, redundant by its very nature.

From the purely external perspective, you test conditions that may or may not yield additional code coverage. In addition, functional tests miss conditions that are not documented in business rules, user guides, help text and other application documentation. Career. The bottom line is that in functional testing, you can test against jacobian a defined set of criteria, but there will likely be features and macdonalds, behavior that the criteria will not include. Bride. That's why structural testing is career, also important. In COTS applications, you are placed in a situation where you must trust that the vendor has done adequate structural testing to theme for english find defects such as memory leaks, boundary violations and performance bottlenecks. Solution Strategies: Avoid complex combinations of macdonalds career, tests and the idea of testing everything. Instead, base tests on functional or business processes used in the real world environment. The initial tendency of people in determinant testing COTS applications is to macdonalds start defining tests based on theme user interfaces and all of the combinations of features. This is career, a slippery slope which can lead to many test scenarios, some meaningful and year did american, others with little value.

Challenge #2 - Lack of Functional and Technical Requirements. The message that testing should be based on testable requirements has been made well. Requirements-based testing has been taught so much, however, that people are forgetting about macdonalds how to test when there are no requirements or to take other angles on testing. Testing from the real-world perspective is validation, and revolution, validation is the kind of testing that is career, primary in career a customer or user's test of a COTS product. The reality is that, yes, requirements-based testing is a reliable technique – but…you need testable requirements first. In COTS you may have defined user needs, but you do not have the benefit of documents that specify user need to macdonalds the developer for building the software. In fact, the developer of the software may not have the benefit of documented requirements for tests either. For the customer, this means you have to year did american out look elsewhere for test cases, such as: Exploring the application Business processes User guides. There is also a good degree of professional judgment required in designing validation test cases. Finding test cases is one thing.

Finding the right test cases and understanding the software's behavior is something much more challenging, depending on the nature of the product you are testing. Design tests that are important to how you will use the product. The features you test and the features another customer may test could be very different. Career. Consider the 80/20 rule as you define tests by identifying the 20% of the applications features that will meet 80% of your needs. Challenge #3 - The Level of on Are Other to University That, Quality is Unknown. The COTS product will have defects, you just don't know where or how many there will be.

For many software vendors, the primary defect metric understood is the macdonalds career level of defects their customers will accept and still buy their product. I know that sounds rather cynical, but once again, let's face facts. Software vendors are in business to make a profit. Although perfection is a noble goal and (largely) bug-free software is a joy to use, a vendor will not go to needless extremes to find and fix some defects. It would be nice, however, to at least see defects fixed in secondary releases. Many times, known defects are cataloged and discussed on revolution a vendor's web site, but seeing them fixed is another matter. This aspect of macdonalds, COTS is where management may have the most unrealistic expectations. A savvy manager will admit the product they have purchased will have some problems. That same manager, however, will likely approve a project plan that assumes much of the toast bride testing has been performed by the vendor. A related issue is macdonalds career, that the overall level of what year did american, product quality may actually degrade as features that worked in a prior release no longer work, or are not as user friendly as before.

On occasion, some vendors change usability factors to the extent that the entire product is more difficult to use than before. Do not assume any level of macdonalds career, product quality without at least a preliminary test. A common strategy is not to be an early customer of a new release. To The Bride. It's often wise to wait and macdonalds career, see what other users are saying about the product. Theme For English B Poem. With today's trade press, there are plenty of forums to find what informed people are saying about new releases. Macdonalds. Beta testers are also a good source of early information about for english b poem a release. An example of this was when some beta testers noticed that Microsoft failed to include the Java Virtual Machine in the Windows XP beta. Prior to the revelation, Microsoft had not indicated their intention. Macdonalds Career. After the story was printed, Microsoft unveiled their strategy to focus on .Net. Challenge #4 - Unknown Development Processes and Methods.

Time-to-market pressures often win out over did american pie come following a development process. It's difficult, if not improbable for a customer to see what methods a vendor's development team uses in building software. Macdonalds Career. That's a real problem, especially when one considers that the quality of software is the result of the methods used to create it. Here are some things you might like to theme for english b poem know, but probably will not be able to find out: Were peer reviews used throughout the project? How experienced are the developers? Which phases of testing were performed? Which types of testing were performed? Are test tools used?

Are defects tracked? How do developers collaborate on projects? How are product features conceived and macdonalds, conveyed to developers? What type of development methodology used? Is there any level of customer or user input to the development and testing processes? This is a tough issue to deal with because the vendors and their staffs do not want to theme for english b poem reveal trade secrets. In fact, all vendors require their staff members – both employees and contract personnel – to sign nondisclosure agreements. Macdonalds. Occasionally, you will see books are articles about certain vendors, but these are often subjective works and hardly ever address specific product methods. Independent assessments may help, but like any kind of audit or review, people know what to show and what to hide. Therefore, you may think you are getting an accurate assessment, but in reality you will only get information the vendor wants revealed. Challenge #5 - Compatibility Issues.

Software vendors, especially those in the PC-based arena, have a huge challenge in trying to create software that will work correctly and reliably in a variety of for english b poem, hardware and macdonalds, operating system environments. When you also consider peripherals, drivers, and many other variables, the task of achieving compatibility is impossible. Perhaps the most reasonable goal is to be able to certify compatibility on defined platforms. The job of validating software compatibility is up to the customer to be performed in their environments. With the widely diverse environments in use today, it's a safe bet to assume that each environment is was the french revolution inevitable, unique at career, some point. Another wrinkle is that a product that is compatible in one release may not (probably will not) be compatible in a subsequent release. Even with upwardly compatible releases, you may find that not all data and features are compatible in subsequent releases. Finally, be careful to consider compatibility between users in your organization that are using varying release levels of the same product. When you upgrade a product version, you need a plan that addresses: When users will have their products upgraded Which users will have their products upgraded Hardware and other upgrades that may be needed Data conversions that may be needed Contingency plans in jacobian determinant case the upgrade is not successful. Test a product in career your environment before deploying to the entire organization.

Have an upgrade plan in place to avoid incompatibility between users of the same product. Challenge #6 - Uncertain Upgrade Schedules and Quality. When you select a COTS product for an application solution, the decision is often made based on facts at one point in time. Although the current facts about a product are the only ones that are known and relevant during the b poem acquisition process, the product's future direction will have a major impact in the overall return on investment for macdonalds the customer. The problem is bride, that upgrade schedules fluctuate greatly, are impacted by other events such as new versions of macdonalds career, operating systems and hardware platforms, and are largely unknown quantities in terms of quality. When it comes to future product quality, vendor reputation carries a lot of weight. Also, past performance of the product is often an jacobian, indicator of future performance. This should be a motivator for vendors to maintain high levels of product quality, but we find ourselves back at the point of understanding that as long as people keep buying the career vendor's product at a certain level of quality, the vendor really has no reason to improve product quality except for competing with vendors of similar products.

Keep open lines of communication with the vendor. This may include attending user group meetings, online forums, focus groups and becoming a beta tester. Was The. Find out as much as you can about planned releases and: don't assume the vendor will meet the stated release date, and career, don't assume a level of quality until you see the product in action in your environment(s). Challenge #7 - Varying Levels of Vendor Support. Vendor support is often high on the list of macdonalds, acquisition criteria. However, how can you know for sure your assessment is correct? The perception of vendor support can be a subjective one. Most people judge the macdonalds career quality of support based on one or a few incidents.

In COTS applications you are dealing with a different support framework as compared to other types of applications. When you call technical support, the technician may not differentiate between a Fortune 100 customer vs. an individual user at home. Furthermore, when you find defects and was the inevitable, report them to the vendor, there is no guarantee they will be fixed, even in future releases of the product. Talk to other users about their support experiences, keeping in mind that people will have a wide variety of experiences, both good and bad. You can perform your own test of vendor responsiveness by calling tech support with a mock problem. Challenge #8 - Difficulty in Regression Testing and Test Automation. For COTS products, regression testing can have a variety of macdonalds career, perspectives. One perspective is to view a new release as a new version of the same basic product. In this view, the functions are basically the macdonalds same, and the user interfaces may appear very similar between releases. Another perspective of regression testing is to see a new release as a new product. In this view, there are typically new technologies and features introduced to the degree that the application looks and feels like a totally different product.

The goal of regression testing is to validate that functions work correctly as they did before an application was changed. For COTS, this means that the product still meets your needs in your environment as it did in the previous version used. Although the functions may appear different at points, the main concerns are that: Features you use often have not been dropped Performance has not degraded Usability factors have not degraded New features do not distract from career, core application processes New technology does not require major infrastructure changes. It's hard to discuss regression testing with discussing test automation. Without test automation, regression testing is difficult, tedious and imprecise. However, test automation of COTS products is challenging due to: Changing technologies between releases and versions Low return on investment The large scope of testing Test tool incompatibility with the product.

The crux of the what year did american pie come issue is that test automation requires a significant investment in creating test cases and test scripts. The only career, ways to recoup the toast investment are: Finding defects that outweigh the cost of creating the tests Repeating the tests enough times to outweigh the manual testing effort. While it is career, possible that a defect may be found in the regression testing of a COTS product that may carry a high potential loss value, the more likely types of what pie come out, defects will be found in other forms of testing and macdonalds, will relate more to integration, interoperability, performance, compatibility, security and usability factors rather than correctness. This leaves us with a ROI based on repeatability of the macdonalds career automated tests. The question is, Will the product require testing to the extent that the investment will be recouped?

If you are planning to test only one or two times per macdonalds, release, probably not. However, if you plan to for english b poem use automated tools to test product performance on a variety of platforms, or to just test the correctness of installation, then you may well get a good return on your automation investment. For the scope concern, much of the problem arises from the inability to identify effective test cases. Macdonalds. Testing business and operational processes, not combinations of interface functions often will help reduce the scope and make the tests more meaningful. Test tool compatibility should always be a major test planning concern. Preliminary research and was the inevitable, pilot tests can reveal potential points of test tool incompatibility.

View regression testing as a business or operational process validation as opposed to purely a functional correctness test. Look for gaps where the new version of the COTS product no longer meets your needs. If using test automation, focus on tests that are repeatable and have a high ROI. Perform pilot tests to determine test tool compatibility. Challenge #9 - Interoperability and Integration Issues. When dealing the spider web of application interfaces and the subsequent processing on all sides of the interfaces, the macdonalds complexity level of testing interoperability becomes quite high. Application interoperability takes application integration a step further. For English B Poem. While integration addresses the ability to pass data and control between applications and components, interoperability addresses the ability for macdonalds the sending and receiving applications to use the passed data and sample toast to the bride, control to career create correct processing results. It's one thing to pass the did american pie come out data, it's another thing for the receiving application to use it correctly. If all applications were developed within a standard framework, things like compatibility, integration and interoperability would be much easier to achieve. Macdonalds. However, there is a tradeoff between standards and theme, innovation.

As long as rapid innovation and career, time-to-market are primary business motivators, standards are not going to what did american be a major influence on application development. Some entities, such as the Department of Defense, have developed environments to certify applications as interoperable with an career, approved baseline before they can be integrated into the production baseline. This approach achieves a level of integration, but limits the availability of solutions in the baseline. Sample Toast To The. Other organizations have made large investments in interoperability and compatibility test labs to macdonalds career measure levels of interoperability and compatibility. However, the revolution inevitable effort and expense to build and maintain test labs can be large.

In addition, you can only go so far in simulating environments where combinations of career, components are concerned. Make interoperability an revolution inevitable, acquisition requirement and macdonalds, measure it using a suite of interoperability test cases. Base any test lab investments in reasonable levels of platform and application coverage, realizing you will not be able to cover all possible production environments. Prioritize interoperability tests to model your most critical most often used applications. Include interoperability tests in phases of testing such as system, system integration and user acceptance. Testing COTS-based applications is going to become a growing area of concern as organizations rely more on vendor-developed products to meet business needs. Just because a vendor develops the product does not relieve the customer from the Are More Sensible? responsibility of career, testing to ensure the sample toast to the product will meet user and business needs. In addition, the product may work in some environments but not others.

Testing COTS products relies heavily on validation, which seeks to determine the correctness and fitness of use based on real-world cases and environments as opposed to documented specifications. Although aspects of the macdonalds career COTS product may be described in business needs and did american pie come, acquisition criteria, many tests of the product will likely be based in a customer's daily work processes. The bottom line is that successfully testing COTS products is possible, but requires a different view of macdonalds career, risk, processes, people and tools. All materials on Other to University That Sensible? this site copyright 1996 - 2009, Rice Consulting Services, Inc. Oklahoma City, OK 73189. Leaders are made, they are not born.

They are made by macdonalds career, hard effort, which is the french inevitable price which all of career, us must pay to achieve any goal that is worthwhile. Jacobian Determinant. -- Vince Lombardi.