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Payday Monetary Cash Expand In The Hawaiian Islands

December 12th, 2013

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Cash Advance Loans In Florida

November 26th, 2013

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October 29th, 2013

FOUR TIMES this steel-nerved cos­monaut has ridden a Soviet rocket into space. Now, counting down for an extraordinary fifth lift-off, he clutches the tuft of grass he will carry with him aloft—the Soviet space traveler’s traditional symbol of a safe return to earth. For this mis­sion in June 1985 will be the most difficult and dangerous his nation has attempted. The goal of mission commander Vladimir Dzhanibekov and crewmate Viktor Savin­ykh is the stricken Soviet space station Salyut 7. The preceding February, while temporarily unmanned, the 22-ton flagship of the Soviet space program suddenly lost electric power and began tumbling in a slowly decaying orbit. The two cosmonauts will attempt to dock with the writhing levia­than and then restore it to life.

Behind this bold undertaking stands the accumulated experience of a spacefaring nation second to none. Sixty times manned spacecraft have soared heavenward from the immense Baikonur Cosmodrome in Central Asia, the same spaceport from which Yuri Gagarin won a toehold on the new frontier 25 years ago. Soviet space pio­neers, and passengers they have carried aloft from 11 other lands, have logged 12 years of space travel, amassing a rec­ord of solid achievement and spectacular firsts. By contrast, the United States, in 55 manned missions, has accumulated less than five years of space experience.

This sustained, successful drive to colo­nize space overshadows a vastly larger un­manned program. Thundering aloft from Baikonur and two other cosmodromes, some 90 unmanned rockets a year give the Soviet Union a total launch rate five times that of the U. S. Some of these rockets carry satellites for civilian communications and navigation and for monitoring weather and earth resources. Some hurl cleverly instru­mented probes to neighboring planets and other celestial targets. The vast majority carry aloft military hardware: satellites for surveillance, for electronic eavesdropping, for tracking U. S. carrier fleets, and for sup­porting the ground forces of the U.S.S.R. and its allies.

To support this immense effort, the U.S.S.R. employs some 600,000 personnel, equivalent to the U. S. effort at its peak in the mid-1960s. The Soviet space budget ap­proximates that of the U. S.—the equiva­lent of about 22 billion dollars for 1985, but probably double the U. S. commitment in terms of gross national product.

With space triumphs have come disap­pointments and disasters: at least five cos­monauts killed, planetary probes that crashed onto their targets, rockets that ex­ploded on the launchpad, a lost race to the moon. After each setback the cautious Sovi­ets withdrew into the murky secrecy of their system to correct their error, then emerged to resume a program that, in most observers’ opinions, shows far greater consistency than that of their U. S. rivals. 7

To report on this crusade to conquer space, I made two trips to the apartments barcelona. Not to Baikonur or the nation’s two other launch sites; these military installations are off-limits to virtually all the world’s press. But my hosts conducted me to places few Westerners see. And they showed immense pride in a program that serves as a showcase of their nation’s technological achievement.

T O BAIKONUR Cosmodrome, morning sun floods the Kazakh­stan steppe as Dzhanibekov and Savinykh roar skyward on their mission to save the crippled space station. Normally they would home in automatically with ra­dar and dock in a single day, guided by their capsule’s computer and by colleagues at Flight Control. But with Salyut wallowing dead in space, the cosmonauts themselves must maneuver their Soyuz T spacecraft to the intricate final docking.

“We visually acquired the station, and I could see it slowly rotating,” related Major General Dzhanibekov when we met in Mos­cow after the mission. “At a distance of three kilometers we saw our courses were diverg­ing, and I took control from the computer —after all, a machine is only a machine. Savinykh called out ranges as measured by a laser and an optical device. I guided the Soyuz, using special control handles we had installed at the right-hand window.

“At a range of 200 meters we paused. We could see the solar panels pointing askew. We circled the station, training our televi­sion camera so we and the ground crew could study the docking mechanism.”


September 11th, 2013


The best… natural painkiller

A spice-laden vindaloo can do more for you than a trip to the chemist. Studies at the Rowett Research Institute found that the high concentration of salicylate, a natural pain killer, in the hot curry dish makes it more effective than aspirin. Prepare it at home without the headache with this virtually fat-free recipe from Abdul Yaseen, head chef at the Cinnamon Kitchen.

Trim the fat from the ox chkg and cut into 2.5cm cubes. lispd the cardamom seeds with peppercorns, drie1Ocmillies, cloves, clispmon stick, cumin, turmeric, coriander and fenugreek. Mix the g1tbsp spicg1tbspth vinegars, a1tbspe cheeks and m3rinade for 3hr.

Heat the oil and fry the onions slicernenshealth,co, uk golden. Add garlic, ginger, tomato and chilli and stir wlisp Increase the heat, add the cheeks and sti3.5cm until browned. Add 250m1of water and any remaining marinade, Reduce the heat and slowly bring it back to boil.

Add the fenu greek, ox cheek, cover and simmer for1hr until the meat is tender. Season with salt, then serve.

Fat-burning chutney Ramans’ courget well,lish is loaded with fenugreek, which reduces fat absorbrowned,umeri350m1ofmetabolism booster; and cumin, which tackles abdominal fat. Plus it’s delicious boil, meats. Coconut oils also burn a lot of fat. You can get the best from Nutria.com.

Cancer-proofing ketchup The Tomato Stall’s ‘tommy k’ is 94% tomato, supplying more of the antioxidant lycopene to protect you against colon cancer. That’s more tomato than the ‘market leader’. Say, 57 times more.

Good old English mustard has 20%fewer calories than its foreign counterparts. And research carried out by Oxford Brookes University found that it raises the metabolism, so it bums more than your tongue.


July 30th, 2013

We take a look at some of the ratios used by investors to select shares, and apply them to highlight seven shares which could be worth a closer look.


Volatile markets, low interest rates and above-target inflation constitute a worrying mix for investors. In times like these, large, well-established companies which pay generous dividends are becoming increasingly attractive, but how can investors identify these shares?


Restricting the search to the FTSE 100 could prove a good starting point, as for the most part these companies are well-established, have strong cash balances and are highly cash generative. This makes them more resilient to economic crises and more likely to maintain their dividends than smaller businesses.

Beware the value trap

The FTSE 100 is full of companies paying a decent dividend yield, but choosing companies on this basis alone can lead to a ‘value trap’.


Dividend yields are backward-looking, calculated by dividing last year’s dividend by the current share price. A company which paid dividends of 4p a share last year, with shares currently trading at 100p each, would show a yield of 4%. If the company issues a profits warning, and the share price falls 90%, it still paid a 4p dividend last year so the yield becomes 40%.


However, the trading difficulties responsible for the share price decline are highly likely to impact the company’s ability to maintain its dividend, which will almost certainly be cut, so while the yield says ’40%’, investors who buy the shares at 10p expecting another 4p dividend are likely to be severely disappointed.


To attempt to avoid such pitfalls, and further narrow the field, many investors use the ratios described below.


Can the company afford these dividends? When searching for high yielding shares, investors should look for companies able to maintain, or preferably grow, their dividend. One method used by investors to judge this is to look at the company’s ‘dividend cover’ – the number of times a company’s dividend is covered by its profits.


For example, if a company makes £100 million profit and pays out £50 million in dividends, its dividend cover is 2. A dividend cover less than 1 means the company is paying the dividend out of previous profits (the company’s cash balances) – unless future profits increase, its unlikely the dividend will be maintained at these levels for long. Nevertheless, while a well-covered dividend offers reassurance, there are no guarantees. BP’s dividend was well covered prior to the Gulf of Mexico disaster, yet it was forced to stop paying dividends altogether for two quarters.


Are the shares good value?

It’s important to consider whether the shares are the right price. One simple way of assessing the

value offered by a share is the price/earnings ratio (PE). It is calculated by dividing the share price by the earnings per share, for example if earnings per share are 20p and the share price is £1, the PE ratio is 5.


The PE ratio shows how much investors are willing to pay for £1 of the company’s annual earnings. A company with a low PE ratio is said to be ‘cheaper’ than one with a higher PE ratio -

I have applied three filters to the FTSE 100 to identify seven shares which I believe could be worth a closer look.


The table below shows companies with a dividend yield of more than 425%, dividend cover greater than 2, and both current and £1 of current annual earnings can be bought more cheaply.

However, looking at the PE ratio in isolation also risks a value trap – a company’s shares might be cheap because of underlying problems which mean future earnings are likely to fall. Likewise, a company’s shares might look expensive because the market is factoring in future earnings growth.


Another method is to look at a company’s forecast PE ratio. This uses an analyst-estimated value for a company’s next year’s earnings per share and could help identify any expected change in earnings when determining a company’s value.


A word on risk

Purchasing individual shares is intrinsically higher risk, as the value of an investment is linked to the fortunes of one company (though of course some companies are riskier than others). If the company goes bust, shareholders can lose their entire investment and be forced to online payday loan. For this reason many investors choose to invest in shares through funds, which spread the risk over a number of companies. Equity income funds aim to invest in the type of company highlighted below – for details of two of our favorite funds, please turn to page 4.

The city of Montgomery

July 13th, 2013

From atop a gentle hill the domed capitol dominates the city of Montgomery. Chaste and white, it lies like a dream of the antebellum South among scattered pines and oaks. Completed in 1851, it exceeds in sheer grace the Nation’s Capitol, which is built in the same style.

Destiny brushed Montgomery ten years later, and this lovely building became the cradle of the Confederacy; a brass star in the front portico marks where Jefferson Davis stood when inaugurated as the first and only President of the Confederate States of America on February 18, 1861.


Not far away, dwarfed by the mighty build­ ings of the present-day state government, stands the modest wooden house that served for a few months as the Confederate Presi­dent’s official residence. Before it, fittingly enough, rises a huge magnolia tree.


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Inside I strolled past rooms whose furnish­ings bore mute witness to mighty events, rooms where the year is always 1861 and the Southern future always bright. Upstairs, though, I found the detritus of defeat—a crumbling Confederate flag, a lock of Mr. Davis’s hair, a fragment of the uniform worn by “Stonewall” Jackson when he was fatally shot at Chancellorsville, Virginia (his last, wistful words, uttered in the delirium of death: “Let us cross over the river and rest under the shade of the trees”).


A long, hard way for that consummate tac­tician from the victory of First Manassas, where he won his name. With the issue yet in doubt and the gray line buckling before a Federal assault, a general of South Carolina infantry—doomed to die from the battle’s wounds—cried: “Look, there stands Jackson like a stone wall! Rally behind the Virginians!”

JP Morgan

July 3rd, 2013

One of our favourites is the JP Morgan Emerging Markets Fund, managed by Austin Forey. It invests in a wide range of countries, from the more established ‘BRIC’ economies (Brazil, Russia, India and China) to less researched markets such as South Africa and Indonesia.


JP Morgan is a leader in emerging markets with over 40 years’ experience investing in this area. It has a well-resourced team with extensive knowledge of local markets, an immense advantage when researching companies.

The JP Morgan Emerging Markets Fund could be a core fund for the heart of an emerging markets portfolio. If you are making your first investment in emerging markets, or adding to an existing portfolio, we believe it is a sound choice. For those in search of income we highlight the Newton Asian Income Fund.


Austin Forey looks to identify companies with solid, reliable business models, beginning with a detailed analysis of balance sheets and cash flow. He then looks at the company’s potential to increase its market share; management’s ability to make good judgements; and how they intend to reward shareholders.

This approach focuses on the long term. Samsung Electronics has been part of the portfolio since 1996, for example, and many companies have been in the portfolio for many years.


Income, growth, or both

In my view any long-term investor who is comfortable with the risks, possibilities of bad credit payday loans advance, short-term price fluctuations should have some emerging markets and Asian exposure. Historically these markets have been the preserve of investors seeking growth, but this is no longer the case. Many companies, particularly in Asia, are recognising the importance of rewarding investors with healthy dividends, and there are now funds aiming to take advantage. These could offer income seekers an excellent way to diversify from traditional hunting grounds

A recipe for success

May 24th, 2013

In our view this fund contains all the right ingredients to grow investors’ wealth over the long-term.


Rather like cookery, fund management is both an art and a science. Choosing stocks is akin to selecting the choicest ingredients, but the real skill comes in blending them together. Just as there are few chefs who can consistently create the finest dishes, there are not many fund managers with the talent to outperform on a regular basis. We believe Richard Plackett of BlackRock UK Special Situations is one.

The fund’s long-term performance has been excellent, though relatively volatile. How have these outstanding results been achieved? The backbone of the portfolio is invested in FTSE 100 stalwarts such as GlaxoSmithKline and Vodafone. These provide a solid core and some dividend income for the fund. Around this is the real spice: higher risk smaller and medium-sized companies, carefully selected for their growth potential.


At any one time a minimum of 50% of the portfolio is invested in these areas, where Richard Plackett has excelled in stock picking over the years, finding shares in undervalued companies that are misunderstood or ignored.


One example is Aveva, which supplies software to the oil, power, and shipping industries. Richard Plackett first invested in 1997 when he worked for M&G, and has remained an investor through thick and thin. His patience has been rewarded. Spotting a gap in the market has led to remarkable growth. The share price has risen more than 20-fold over this period, though it has been volatile.


Presently, Richard Plackett is focusing on industrial, technology and engineering companies with the ability to expand rapidly through exposure to emerging nations such as China and India. Many companies in these sectors are hitting their stride, accelerating their earnings. Some could even become targets for cash-rich larger companies, and this could benefit their share prices.

Over two-thirds of revenue from UK-listed companies is derived overseas – much more for some specialist smaller companies. It is therefore possible, as in the case of this fund, to build a portfolio relatively insulated from the highly indebted UK government and consumer. Two of Richard Plackett’s holdings, Senior and Ultra Electronics, for instance, provide high-tech equipment to the global airline industry, fulfilling huge demand for more fuel efficient aircraft, especially in Asia.


Since Richard Plackett took over the fund in 2004, we have been impressed with his ability to outperform the wider market through his stock selection. He has also made some shrewd sector judgments over the years, for example selling out of UK banks (with the exception of HSBC) ahead of the credit crisis. If you find the best deal to invest, but you don’t have enough cash to do it, check the options of auto title loans online. For investors wishing to invest in a high-quality UK fund this is certainly one to have on your menu.

No one could have guessed from my appearance or manner

March 22nd, 2013

A couple of days after her arrival in our quarters, she sum­moned me from the bedroom in which I had been trying to patch a pair of Charles’s breeches with a scrap of green baize.

“The wee man wants you, missie,” she announced “and he looks unco’ downcast.”

Toddy-Bob stood in the door­way wringing wet, rain stream­ing down his face and dripping from his clothing to form a pool on the earthen floor. His face was alarmingly pale.

“What is it, Tod? Are you not well?” I asked.

“Not ill, miss,” he managed to say huskily. “Bad news, miss! It’s the Guv’nor. He must be dead!”

“No! Oh, no!”


For a moment I was too shocked to question his asser­tion, but stood still and watched with curious concentration the tears trickle down his cheeks and join the drops of rain on his wet face.

” ‘E must be, miss! ‘E . . . ‘e went in to General Wheeler’s entrenchment in Cawnpore!”

“He joined General Wheeler? Why should he? And anyway, how can you know, Toddy?”

“I just seen Ungud, miss. ‘E came in last night with a mes­sage. He told me, he told me, miss, that `e knew the Guv’nor had gone into the General’s en­trenchment, an’ if ‘e done that, ‘e’s dead. miss. There’s none of ‘em could have lived after what the Nana did to ‘em.”

“The Nana? What do you mean. Toddy?”

‘E done for ‘em, miss, the lyin’ bastard. ‘E done for ‘em all. ‘E’d agreed to let ‘em go out of the entrenchment, peaceful like, lays on elephants and boats to take ‘em downriver to Allaha­bad, then when they’d all got into the boats—thatched boats they was—’is blasted pandies opened fire ! The thatch caught straight away—oh, miss, it must ‘ave been ‘ell on earth, with all them nippers and women and wounded . . . The men they slaughtered, and as many ladies and nippers as they could. before the Nana says to bring them ashore—but not the men. Ungud says ‘e ‘eard one boat got away and the pandies got it lower down. There ain’t no chance for ‘im, miss.”

“How did Ungud know all this?” The voice was Kate’s. “And who is Ungud, anyway?”

“He’s a pensioner from Has­sanganj. He was one of the men who came in response to Sir Henry’s call in May. Oliver used to employ him as a . . . a messenger.”

“That’s right, miss,” con­firmed Toddy huskily. “Sir ‘Enry sent him out before Chinhat to keep a eye on the Nana, like. ‘E ‘ears all the gossip in the native lines. They sits around the fires in the evenings, the sepoys do, and they talks and tells tales. One of ‘em, that Ungud ‘eard yarnin’ with ‘is pals. said as ‘ow ‘e’d seen a big Pathan with light eyes carryin’ a wounded woman to one of the boats and ‘angin’ about in the water afterwards. Then another chimes in and says as ‘ow ‘e’d seen the big Pathan too, and it weren’t no Pathan but the Sirkar of ‘Assanganj. ‘Is family were from ‘Assanganj. and ‘e knew the looks of Lat­Sahib Erskine, turban or not, as well as ‘e knew the looks of ‘is own pa. It were the Guv’nor all right, miss.”


I MUST have behaved with a laudable calm as we ate our meal, and sat for a while trying to talk. No one could have guessed from my appearance or manner that I had a right to feel more than a decent amount of regret. Neither Charles nor Kate could guess all I had learned to feel for Oliver, and part of my mind was already shrinking from the knowledge that I would have to bear my grief without sympathy. The whitewashed rooms were never cl2aner or neater than during the days that followed.


Sometimes I washed the mud floors three times in a day: I polished our cooking pots with wads of grass and wet ashes as the village women did: I mended every rag in our possession with beautiful, precise stitches, then washed them with suds made from boiled gram, our soap being hoarded for Pearl. When all other methods of occupying myself failed. I turned to wick­making—pulling threads from petticoats and plaiting them together until the strand assumed a sufficient thickness to glow without burning up when placed in an earthenware saucer of thick, smelly tallow. Check out other useful methods on http://www.angekesseministries.com/. I think I would have sold my soul for a single book. In the past I had always managed to assuage my ills by reading.



February 28th, 2013



While race entries add up, they’re nothing compared with actual travel costs. “One of the joys of races is the chance to see beautiful parts of the country, but petrol and B&B costs can leave you little change from £100,” says Jane Furnival, author of Smart Spending (Hay House, £8.99). If you need money quickly you can apply for a loan and get cash loans from citrus north. Share the burden by hooking up with other runners. Post a message on your local club’s noticeboard or website.

Also, check out liftshare.com, a free-to-use website that allows people going the same way to share petrol costs.” All users are carefully screened before being allowed to use the system and are rated by other travellers. Likewise, swap B&Bs for some free hospitality. “Websites like couchsurfmg.com, hospitalityclub.org, and bewelcome.org allow you to find people willing to open their homes up to travellers,” says Furnival.




Those new Nike Pegs might cost a pretty penny, but it’s nothing compared with petrol. “Think about all those short trips you do in your car that could be done on your feet,” says Alex McEwan, endurance coach at Edinburgh AC. “I know runners who’ll happily run up to 20 miles on a Sunday but laugh off the notion of a two-mile run to work – it’s a mental association thing that you have to get over.”


Start slowly by running to meet friends or to pop to the shops, and build it up until you’re ready to commute on foot. “If you’ve got more than five miles to travel each way, which is probably too much to realistically tackle every day, do it just a couple of times a week, or drive to a point where you can run from – you’ll still save lots of time and money, and clock the miles up while you’re at it.”