Comments Off on Can you count?
Some years ago, my friend Steffen Muench, a German radio journalist, was counting out cash he owed me for theater tickets on a family visit to New York. No matter how many times the two of us counted and recounted, we couldn't come up with the same figure.
Even a veteran New York Times staff writer who regularly reported on financial transactions claimed to be incapable of calculating 10 percent. But in an age of data journalism, coding and all sorts of other mathematical incursions into the profession, that's no longer an excuse. And counting is as essential to good English as it is to journalism. Whether a noun can be counted often determines the grammar surrounding it.
A research by Andreas Fuchs of Heidelberg University found the likelihood of the Chinese leadership traveling to a country is 13.6 percent lower if the country's government receives the Dalai Lama in a given year.
The international student who wrote that meant simply research. Similarly, in English we never do (not make!) researches, just research. And we never give advices or feedbacks, just advice and feedback. But I can give you pieces of advice. Pieces of anything are countable.
The fact that less than 100 showed up at the October protest is also telling.
The writer meant fewer than 100. You can have more of anything, whether it's countable like the protesters or uncountable like the freedom they sought. But use fewer with countable nouns and less with uncountable ones. The same goes for many (countable) and much (uncountable).
I'm giving more gifts this Christmas.
I'm giving fewer Christmas gifts this year.
I'm spending more money this Christmas.
I'm spending less money this Christmas.
little Are you giving many gifts?
No, I spent way too much money last year.
These quantifiers are adjectives, but the rule holds when they are used as pronouns. For example, if you eat second, third and fourth helpings (countable) on Thanksgiving, that may be too many, and you will have eaten too much (food, uncountable).
The U.S. has a few options in dealing with North Korea.
The U.S. has few options in dealing with North Korea.
The first is more hopeful, the second rather bleak.
You can come to me at the university, or even at home, at Hudson, few miles north of New York. The writer meant a few.
Few meters away was a makeshift tent where he says he occasionally sleeps when his son is not available to take him back to the transit shelter. Same here: a few.
Most shelter residents sell food and other wares at the local market. Few still tend to their farms back in Ketapang. Here the choice depends on whether the writer wanted to emphasize that not many (few) still tended their farms, or that some (a few) still did.
Another reason that limits the amount of lawyers available is that juveniles' cases are so intensive and complex.
She meant the number of lawyers.


text:
Jennifer Carole Ledger, född 8 december 1989 i England, är backupsångare och trummis för det grammynominerade kristna rockbandet Skillet sedan 2008 då Skillets förra trummis, Lori Peters, slutade.

Källor

 skillet.com/Jen Ledger
 en.wikipedia.org/wiki/Jen Ledger

Kvinnor
Levande personer
Engelska rocktrummisar
Brittiska rocktrummisar
Födda 1989
Personer från Coventry

redpajama_set_name: RedPajamaWikipedia


Darkest Days: Darkest Days: Fight for human kind against an unstoppable horde of machines! An advanced AI created by scientists went terribly wrong when it started creating an army of drones to fight against us... Now it has taken over the galaxy and the last remaining planet under our control is being attacked. Earth is about to be destroyed!


text:
Le Congo, quel cinéma! is a 2005 documentary film directed by Guy Bomanyama-Zandu.

Synopsis
Congolese cinema came to light by means of propaganda and educational films during the colonial era. Nowadays, local productions have a hard time keeping their above water, and Congolese filmmakers wonder about the future of a cinema lacking any kind of support. The film is a documentary about three Congolese technicians (Claude Mukendi, Pierre Mieko, and Paul Manvidia-Clarr) and Ferdinad Kanza, a director who made films in the years 1970-1980 and works at the National Radio Television of Congo.

References

External links
 premiere.fr

2005 films
Creative Commons-licensed documentary films
Democratic Republic of the Congo short documentary films
2005 short documentary films
Documentary films about African cinema


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This is one of the gifts I am most proud of.
Last year for Valentine's day, this is what my husband came home to.
At the bottom of each balloon was a picture of us from years past, printed in a nice sepia tone from our home computer. Each picture was then glued to a piece of card stock with the balloon ribbon sandwiched in between. Then, on the back of the card stock, I wrote a reason I loved him.
To finish the romantic effect, I sprinkled the bed with rose petals.
And, I might say, that my husband genuinly liked the surprise, so it was fun for the giver and the receiver.
I hope it can serve as inspiration for a romantic gift to your special someone.
Great idea! I think I might copy paste that! LOL!
Olga, visiting from Not just a Housewife. Hope you drop by my place when you get a chance!
Great idea. I hope you will link up to my I Heart Projects Party!
Saw you at Tatertots and Jello... What a sweet idea! Love it!!
This is such a cute idea! I think it would be nice to add pictures of your husband with your kids and ask your kids reasons they love him and write them on the back of them. Thanks for the great idea!
What a fun idea! Very romantic and sweet. My husband would be excited if he came home and the bed was made!
This is the most unique gift idea that i have seen. I would simply fall for this if my wife is gonna do something like this on the valentine's day. Its also good for anniversaries.
Just know if you use real roses they can stain if you move around. I did it on the floor and had a heck of a time getting them out of my carpet. Silk ones you can get at the Dollar Tree some times and Michael's or JoAnn's or Hobby Lobby with the coupons. Saver than not.


Autism spectrum disorder (ASD) is a developmental disability which causes social, communication and behavioral challenges.A child with autism who is very sensitive may be greatly troubled sometimes even pained by sounds, touches, smells, or sights that seem normal to others. Children who are autistic may have repetitive, stereotyped body movements such as rocking, pacing, or hand flapping. They may have unusual responses to people, attachments to objects, resistance to change in their routines, or aggressive or self-injurious behavior.
7. Follow your child's interests.
By simplying the language it helps the child to follow up what you are saying. It also helps to make it easier for them to imitate your speech.
If the child is nonverbal, try speaking in single words. If the child is speaking single words, try using short phrases. Generally using phrases with one more word than your child is using will help.
Children will learn through playing. Interactive play provides opportunities for both parents and the child to communicate. Try finding different games which are interactive and is enjoyable for the child. Also try playful activities which promotes social interaction. For example singing, reciting nursery rhymes etc. During the interactions, maintain eye contact so it is easier for the child to see and hear you.
It is very important to give your child opportunities to communicate, even if he/she isn't talking. When you ask questions or see that your child wants something, pause for several seconds by looking at him expectantly. Watch for any body movement and respond immediately. By responding immediately it helps the child to feel the power of communication.
Imitating the child's play behaviors will encourage interaction. It will also encourage the child to copy you and take turns. Make sure you mimic only the positive behaviors. For example if the child is breaking a toy,then do not imitate that. It would encourage the child to do such kind of behavior.
Eye contact and gestures can help building a foundation for language.Exaggerating your gestures will help them communicate more efficiently .By using both body and voice while communicating is an easier way .Using gestures that are easy for your child to imitate should be done. For example cpping, opening hands, reaching out arms, etc. Responding to your child's gestures immediately is neccesary.
Assistive technologies and visual supports can do much more than just replacing speech. They can help in speech development. For example include apps which have pictures that your child touches to produce words. On a simpler level, visual supports may include pictures and groups of pictures that your child can use to indicate requests and thoughts.
Instead of interrupting your child's focus, follow along with words. For example If he's playing with a shape sorter, you might say the word like "in" when he puts a shape in its place. You might say "shape" when he holds up the shape. By talking about what engages your child, you'll be able to help him learn the associated vocabulary.
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The more your child hears the particular feeling with a specific behavior, the better they will be able to understand that feeling. For example, if the child is reaching for food in the fridge, label the feeling,say "You are hungry".This technique needs to occur naturally and should be consistent. Modeling a feeling can happen when your child is excited, sad, hurt, happy, etc. For example, as your child expresses their excitement, say "I see you are excited". If you have a picture of "excited" it can help to reinforce the concept more.
Assuming the competence is one of the most important things that one can do as a parent, caregiver, therapist, teacher, etc. Assuming competence for any child whether they have a disability or not is a form of empowerment.Assuming that your child can do it and will do it is powerful. Other concept is speaking to a child with Autism like any other child. Children with or without disabilities pick up very quickly when an adult or another child is speaking to them in a different way. This can be a strategy that can very helpful when telling others how to speak to your child.
For some children, chocolate is motivating. For others, it could be specific toy, movie, friend, family member or neighbor.
For example, if your child loves interacting with a specific member of family, use the motivating person to encourage communication. If you are using this person to encourage communication, use a variety of visual and auditory strategies (e.g. use a picture of the family member and/or model the name of this individual). Encourage your child to point to the picture of this person or exchange the picture with you to request it. When they are able to point or exchange the picture, the motivating person could come over to the child and give him or her a hug to fulfill the request.


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redpajama_set_name: RedPajamaCommonCrawl


text:
Arsenal will face fierce Premier League rival in pursuit of PSG outcast
Manchester United have joined Arsenal in pursuing Paris Saint-Germain winger Goncalo Guedes, according to Marca (via the Mirror).
The Madrid based newspaper say that United are now tracking the Portuguese international. The 21 year old is currently on loan at Valencia until the end of the season, but PSG could sell the midfielder for £30m to balance the books.
The Ligue One side's heavy outlays on Neymar and Kylian Mbappe mean they face an uphill task to keep within UEFA's Financial Fair Play regulations, and it means they will be open to Guedes's summer sale.
The playmaker has been in great form during his loan spell in Spain. In 16 appearances for Valencia, he has scored three goals and contributed five assists.
Guedes has been on Arsenal's radar for quite a while. Even before his move to PSG last January, the Gunners had reportedly scouted the Portuguese starlet on numerous occasions whilst playing for Benfica.
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I am considering buying a nesting router but am not very knowledgeable about them. I worked at a cabinet company that had a CNC router and beam saw for a few years, so I am somewhat aware of the capabilities of an automated shop. I am also very comfortable with computers, having run AutoCAD for years and just recently, Microvellum. I build custom cabinets now and can't build them fast enough for the demand. I have seen CDs of how these machines work and am attending the Las Vegas Woodworking Show at the end of this month, where they will be on display. Has anyone else taken this route or is anyone familiar with nesting based machinery? How much do they help productivity and what is the investment/return?
Nesting routers are a great tool, but you might be able to get similar results with conventional tools. In my shop we have a beam saw, edgebander and 2 row boring machine setup. We can cut, bore and band 2 normal sized jobs in a day. We bought all of our equipment used for a total of less than $30,000 including delivery, installation, setup and repair. We had considered a CNC router, but our problem is that we use plywood for our euro boxes. When you cut with a router, the kerf is so large that too much material would be wasted.
Thanks for the response. I am not familiar with nesting machines very much. You mention that you use plywood for your Euro boxes. Do nesting machines cut plywood okay? How much have these $30,000 worth of tools helped your production and profits?
The machines that we are using now have increased our production by double. I could easily produce double what I am doing now with more people on the assembly and finishing end.
You can go either route. A great deal will depend on employee prospects in your area, at least the way I look at it. In my area, skilled employees are about as common as compassionate tax auditors. Training isn't much of an option, as our unemployment rate is so low that good people for anything are hard to find. So we went the CNC route and it has worked well for us. You can cut up plywood all day and you don't need to spend 80 to 100,000 either. We can cut, bore and dado while I'm doing other things. There is a steep learning curve, but it's not so terrible if you're computer savvy.
On the other hand, if employees aren't so hard to find in your area, the above mentioned approach is very viable as well. If you do look at CNC, make the salesman show you the process from software design and drawing to tool pathing to cutting before you spend a dime. Talk is cheap and they can't always deliver, so shop wisely!


text:
Home/Resources/Home & Neighborhood Safety/Strategies/Strategy: Safer Design of Public Areas in Neighborhoods
Strategy: Safer Design of Public Areas in NeighborhoodsDeeDee Dalton2017-11-14T23:44:25-05:00
Neighborhoods can reduce drug-related activity through environmental changes that make their communities less vulnerable and hospitable to drug dealers.
Drug problem addressed
Some communities are perfect hideaways for drug dealers and users. The lighting is poor, the streets permit speeding traffic, traffic patterns enable quick-getaways, signs are in disrepair, and there are no sidewalks for residents.
Crime and drug activity can be reduced if a neighborhood or community is physically designed to provide protection for its residents. Physical changes or improvements can include erecting and maintaining better outdoor lighting, installing and enforcing traffic control signs and lights, closing or limiting access to streets to avoid through traffic, building fences, cleaning up bushes and shrubbery in parks and other public places, installing or repairing sidewalks, and removing abandoned vehicles.
Community residents can team up with municipal planners, architects, city agencies, law enforcement, traffic engineers, and utility companies to create a safer environmental design in their neighborhoods.
Possible Obstacles
Often, municipal governments are unwilling to work with neighborhoods to improve the physical layout and design of their area to reduce the presence of drug dealers and other criminals. The process frequently takes time because of the requirements of surveying, analysis, bidding for contracts, and allocating funds, all of which require patience from neighborhood residents. In addition to technical issues, there are also issues of eliminating residents fears, establishing trust between law enforcement and residents, and working to design a model that not only increases safety, but promotes neighborhood beautification.
Signs of Success
In the fall of 1992, residents in the Five Oaks community of Dayton, OH, joined forces with local police and city planners to institute a Neighborhood Stabilization program. Based on the premise of creating defensible space, 35 iron gates and 26 alley barricades were installed around the Five Oaks community. The gates and barricades were effective in closing off open space previously occupied and used as a main thoroughfare by drug dealers and prostitutes. According to a report from the Dayton Office of Management and Budget, the initiative resulted in a 50 percent decrease in violent crime and a 24 percent decrease in nonviolent crime.
Applying the Strategy
In the east-side peninsula of Bridgeport, CT, an area referred to locally as "Beirut" where 10 percent of the state's homicides occurred in one year, local police authorities and city planning officials implemented a street modification program called the Phoenix Project. Street barriers were installed in heavy drug traffic areas to create "loop" streets coupled with traffic control devices (signs, signals, markings, and gates), making street entrances one-way, turn-offs onto side streets difficult, and traffic flow easier to manage and monitor. The project involved a ten-component community intervention plan including community mobilization, increased tactical enforcement, and a multi-law enforcement sting operation targeted at removing dangerous gang and drug leaders from the streets. The overall initiative resulted in an approximate 75 percent decline in crime and the lowest crime rate in the area since 1972.
From 350 Tested Strategies to Prevent Crime: A Resource for municipal Agencies and Community Groups


text:
As Kors Looks to Build a Conglomerate, Jimmy Choo May be Tainted by Accessible Luxury
image: Michael Kors
Michael Kors is banking on Jimmy Choo to give it a much-needed boost, but there are a few potential problems at play, according to analysts, not least of which is a lack of demand for Kors' core bag business. New York-based Michael Kors confirmed this week it will buy British footwear brand Jimmy Choo for $1.2 billion. But one red flag for analysts? The obvious disparity between Kors' accessible offerings and Choo's high end accessories.
According to Reuters, "Jimmy Choo, whose towering stilettos were made famous by characters in the popular TV series 'Sex and the City," is synonymous with affluence, and somewhat at odds with Kors' image of accessible luxury. It could be argued that Jimmy Choo will give Kors's tumbling sales and stock a leg up, but experts said Kors' expansion plans could dilute the shoemaker's brand name.
"Revenue expansion doesn't come from opening stores today, but figuring out how to unlock the e-commerce component and (Kors) haven't proven that they get that either," said Eric Schiffer, CEO of private equity firm Patriarch Organization.
Kors has been trying to stem its sales declines by expanding into dresses, menswear and online, but has had little success. "If (Kors) had fixed their U.S. market, if they'd shown improvements there and then made this acquisition, people would be a lot more comfortable with it," said Gabriella Santaniello, analyst at A-Line partners.
"For (Jimmy Choo), I could see them opening in another market but I think that is what makes everyone nervous. It is like: "Look what they did with the Michael Kors brand, are they going to do that to Jimmy Choo?"
Multibrand Strategy
Kors' rival Coach faced similar problems not so long ago. But Coach responded quickly, tightening supplies to department stores to regain its luxury cachet, before diversifying with the buyout of upscale shoemaker Stuart Weitzman in 2015.
The company recently bought smaller rival Kate Spade, whose products are a hit with millennials.
Both retailers seem to be looking to emulate the successful multibrand strategy employed by European conglomerates, LVMH and Kering, where cash flows from one large brand are reinvested into smaller but faster growing ones. These two industry giants have grown into luxury powerhouses by buying multiple luxury brands such as Louis Vuitton, Givenchy, Celine, Marc Jacobs, Christian Dior and Loewe, among others, for LVMH, and Gucci, Yves Saint Laurent, Balenciaga, Brioni, and Alexander McQueen, etc. for Kering.
Kors' CEO John Idol said the company would look to grow by buying more globally recognized luxury brands like Jimmy Choo. "We are really looking to build an international luxury company and less so brands that ... have a greater reliance on wholesale than its own retail strategy," he said on a conference call on Tuesday.
Idol said Jimmy Choo would be run independently with minimal interference from Kors' management and that he doesn't want the two brands to be linked with each other. But analysts said while this could be the right approach for Coach, which has a creative, forward-thinking team, it could overwhelm Kors, at least initially.
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After a win against Penair School last Friday, the girls went in to the next round of the U15 National Cup with lots of positivity.
We played Wadebridge School and won the toss and chose to bat. Alexandra scored a fine 34 backed up by Emily (21) and Amy (9no), going on to score 131 for 3. We fielded really well; Rebecca (2-5 off 4), Amy (3-3 off 4), Emily (3-3 off 4) and Bethany (1-9 off 3). By the end, Wadebridge were all out for 27.
We are now in the last eight in the National Competition which is a great achievement – well done girls!


Live Fire Close Quarter fighting with a Handgun, including Retention and Disarms – 8 hrs.
Range Live Fire exercises to learn and maintain these life saving skills. Goals of this program are to help the Officer learn the skills and exercises to safely use and maintain these life saving techniques.


Purchased 34 times in the last 30 days.
A...B...C and the C is for cookies. This big white gift tin offers more than a flashy exterior; it's filled to the rim with a full dozen assortment from our six delectable cookie varieties. The gift includes 3 pounds of gourmet cookies which are sure to be enjoyed by the new baby's family! The lid is embellished with a festive building block design for the special occasion.


07.05.18 UPDATE: We would like to inform you that Agency's web page (www.gcaa.ge) is available for customers.
The cyber-attack that took place on May 2 didn't hinder any activity of the Agency. The remedial actions have been taken and back-up files is being downloading in the system. In addition, the Agency's official web page was restored on Saturday morning and is working properly now.
As a result of promptly response of the Agency, the operators, air companies, Georgian and foreign airlines and intermediary companies were immediately informed about the incident. The Agency without any impediment continues supervision of the air companies, the issue of the approvals and its other activities.
04.05.18 The cyber-attack on the server of Georgian Civil Aviation Agency of the Ministry of Economy and Sustainable Development took place on 2 May 2018.
The Agency has already informed all the necessary addressees by means of the international aeronautical fixed telecommunication network.
The Georgian Civil Aviation Agency continues its activity in the ordinary and usual course. The Agency without any impediment continues rendering services to air companies and interested parties.


TaskList.Org - explorer.exe - Process Explorer doesn t compromise your privacy and is not related to security threats. We advice you to scan your computer and stop all spyware related processes.
Description: Process Explorer doesn t compromise your privacy and is not related to security threats. We advice you to scan your computer and stop all spyware related processes.


text:
Q: Is there a way to do an app-based round-robin rotation of SMTP servers? I am using the SMTPClient class which uses the following in the app.config
  <system.net>
    <mailSettings>
      <smtp from="mailer <no_reply@mysite.com>">
        <network defaultCredentials="true" host="192.168.1.101" port="25"/>
      </smtp>
    </mailSettings>
  </system.net>

Is there a way to do add more SMTP servers (say 4 servers) and get the code to do a round-robin on which SMTP server to use?
For example,
I have 4 SMTP servers: 192.168.1.101, 192.168.1.102, 192.168.1.103, 192.168.1.104, And I have 8 e-mails to send.
What I hope to achieve is:
Mail 1 sent using 192.168.1.101
Mail 2 sent using 192.168.1.102
Mail 3 sent using 192.168.1.103
Mail 4 sent using 192.168.1.104
Mail 5 sent using 192.168.1.101
Mail 6 sent using 192.168.1.102
Mail 7 sent using 192.168.1.103
Mail 8 sent using 192.168.1.104

A: Implementing something to do this would be fairly trivial (and there's a million ways to approach this, so I'm sure someone has a better way), but this would be a quick / easy way to get the effect you're looking for.  I'm assuming you have a way of making this into a persistent object in your app.
public class SmtpQueue
{
    private Queue<string> _queue;

    public SmtpQueue(string[] ips)
    {
        _queue = new Queue<string>();

        LoadIps(ips);
    }

    private void LoadIps(string[] ips)
    {
        // load the ips
        foreach (string ip in ips)
            _queue.Enqueue(ip);
    }

    public string GetNext()
    {
        string nextIp = _queue.Dequeue();
        _queue.Enqueue(nextIp);
        return nextIp;
    }
}

You would consume it like this:
System.Net.Mail.SmtpClient client = new System.Net.Mail.SmtpClient();
client.Host = mySmtpQueueInstance.GetNext();

Whatever you end up doing, don't over-complicate it.  Generally this would be something you'd accomplish with DNS and I'd recommend that approach if possible.

redpajama_set_name: RedPajamaStackExchange


Since the foundation in 1997 Atelier Brückner has been well established in the European exhibition design and installation art sector. It develops concepts, designs, planning and construction of exhibition architecture, graphics, light and media. Its philosophy is based on an interdisciplinary work ethic: the atelier represents 72 staff members of twelve different professions: from architects, stage and set designers, interior designers, light designers, graphic designers, filmmakers, theatre directors, communication to dramatic advisers and art historians. The Atelier designs 'Raumbilder', spaces generated out of content by communicating content in fascinating ways, generating atmospheres, producing spatial installations that all result from sophisticated dramaturgies.


text:
Yakov Alekseyevich Zayka (; born 1 March 1991) is a former Russian professional football player.

Club career
He made his Russian Football National League debut for FC Shinnik Yaroslavl on 15 April 2012 in a game against FC Dynamo Bryansk. He also played in the FNL for Shinnik the following season (2012–13).

External links

1991 births
People from Novorossiysk
Living people
Russian footballers
Association football midfielders
FC Krasnodar players
FC Shinnik Yaroslavl players
Sportspeople from Krasnodar Krai


thourough analysis of your current SEO.
Developing a content strategy is a lot of work.
Letting us take the reins ensures zero work for you.
To get the highest return on investment (ROI), your SEO content needs to be carefully curated. In some ways, it is significantly more important than graphics. With graphics, the impact is limited to a case-by-case basis as each user judges its relevance. With content, the impact is far-reaching as the major search engines prioritize its significant across wide swaths of users, potentially magnifying or diminishing your site traffic quickly. There are many factors to consider when writing or commissioning your site content, including: copy length, keyword density, keyword analysis, relevance, substance, and content quality.
The road to your website all begins with a search. What words are people typing into the search box that help drive them to your site? Choosing your keywords is one of the most crucial steps in composing SEO content and content marketing depends on nuanced keyword analysis. You need to figure out what people are typing into search engines and how your competitors currently rank on the keywords you're interested in targeting.
The first thing you need to know is that writing SEO content has drastically changed as the search engines have evolved—and it will continue to do so. Writing short articles or blog posts that are not directly relevant to your website or your business will not fool the smarter search engines, thanks to recent algorithm updates. And we're actually very supportive of this move because when we're searching for information online, we're searching for value. And we want to be able to find what we're looking for.
Cheating on copy length or originality is no longer a shortcut to winning the search game. If a search engine detects that you're posting copy just for the sake of having fresh copy on your site, you'll be quickly demoted on the SERPs. As a result, writing short, irrelevant articles or blog posts about somewhat relevant topics doesn't work anymore. There isn't an exact length that an article has to be, but aiming for 500-1,000 words is a good rule of thumb. That gives you just enough copy length to compose an informative, yet not bloated, article.
What's the takeaway? Embrace big content. Don't be afraid of long, informative articles and blog posts. Feel free to compose compelling content in articles that provide new insights with clear information. This information is more likely to be shared, emailed, and linked to. But be careful to only write until you're done providing value. When you run out of interesting, compelling things to say, you're done.
Another tip is to create in-depth guides on topics that the visitors to your site would be interested in rather than throwing together forgettable 250-word posts. While embracing big content naturally requires you to allocate more writing time, it's one of the most profound ways a website can cut through the noise in content marketing.
How often should you use your keywords within your copy? That depends. How relevant is your keyword to your topic? If the answer to the latter question is "very," then the answer to the former question should also be "very," without stuffing it into your content where it doesn't make sense.
As with everything SEO, there is an element of judgment needed. That being said, a good rule of thumb is to have your keywords immersed into your copy at a rate of about 1% to 3%. That means for every 100 words in your content, you want to use one to three keywords. This is essentially the measurement called keyword density, or KD for short.
This brings up the question, "What is considered a keyword?" That's something that you'll determine after a comprehensive keyword analysis. However, there's another tier to consider when you're looking at your keyword density: long-tail vs. short-tail keywords. This is something we discuss more when we talk about keyword density in more depth, but essentially a long-tail keyword is a more specific version or phrase of your keywords. For example, if you're trying to rank for high-end restaurants in your area, your long-tail keywords are likely "high-end restaurant in [your city]." If your short-tail keyword is "restaurants in [your city]," you've used 3-5 keywords, depending on which version you used. This situation is why it's best to maintain a range of approximately 1-3% keyword density, all the while using a blended average of long-tail and short-tail keywords.
As with everything "search," it's important to take a qualitative, critical look at each keyword density ratio. If 1% seems too high, it might very well be too high. By over-mentioning a keyword and making an article seem spammy, regardless of its KD, it's not engaging to read and users will bounce off your website too quickly to garner any authority from them. As a result, it's important to mention a keyword within the acceptable parameters of SEO best practices while ensuring that the article sounds like it is organically written with the reader's best interests in mind.
Where you place your keywords is just as important as how often they're used within a page—and there's a big difference between the two. Above all your content must be relevant to your business and your website and your keywords should match. But your keywords should be peppered throughout the copy without stuffing them in where they don't make sense. Search engines are looking for semantics today; they want to make sure that your content is relevant to those who searched for your site in the first place. And if it's not? Your visitors will bounce off your site, hurting your authority in the eyes of the search engines.
In general, your keywords should appear in the first and last 100 words of your page, in the meta description, your page title and your h-tags. But if your keywords are too broad, they're not going to do you any good. And if you use the same one to three keywords too often, readers will quickly bore. Use synonyms and alternative words and phrases that make your copy interesting to read. You can find out which words will get you the best ROI through a quality keyword analysis.
The road to your website all begins with a search. What words are people typing into the search box that help drive them to your site? Choosing your keywords is one of the most crucial steps in composing SEO content and content marketing depends on nuanced keyword analysis. You need to figure out what people are typing into search engines and how your competitors currently rank on the keywords you're interested in targeting. Keyword analysis is the cornerstone of conversion rates because it is how you ensure that you don't just get visitors to your site, but the right visitors.
Making sense of the data involved with keyword analysis is an art and a science. Quantitatively measuring the results of keyword analysis is crucial. You need to look at total searches, cost-per-click, current SERP position, total monthly value, average conversion rate, incremental projected potential purchases, average order value (AOV), projected clicks/month, projected incremental monthly revenue, targeting potential, and competition percentage.
But crunching the numbers needs to be complemented by a more qualitative reason test. There is an art to discerning which keywords should find a home on your website. Let the intuition about what looks, sounds and feels right help to guide your keyword analysis as well as a consultation with SEO experts who can help guide you. But in the end, don't let the data get ahead of what is already a good article for your targeted customers.
"How appropriate is your content for both your audience and your website?" Answering this question gets down to the fundamentals of what makes good content. Essentially, you're determining the worthiness of your content to the Internet-viewing public; you're becoming your own best critic, putting yourself in the shoes of the search engines and their respective users. Writing content in an effort to simply create content isn't good for SEO. Your audience is smarter than that and so, frankly, are the search engines. The best way to increase your organic search traffic is to give Google, Yahoo and Bing what they want: quality, relevant content.
Understanding relevance is important because search engines and users are not fooled by poor content filled to the brim with keywords. If the content does not provide valuable information for the user, then it might as well not exist. The search engines will detect the keyword spam or your audience will recognize that the content is meaningless. Think about your audience and write for them first, with your specific product or service in mind, and relevance will take care of itself.
If you struggle with relevant topics to write about, look no further than the Internet and your current customers. What are people asking about? What do they need to know? What do you wish your new customers knew about your industry (or product or service), before they come to you? All of those answers make great beginnings to blogs, articles and even evergreen text for your website.
For example, if you're managing the website of a personal injury law firm, you may want to find subtopics so that you're not spouting off inconsequentially about personal injury in general. After checking out some related blogs and informational sites, you may find that people are interested in subtopics like "slip and fall accidents," "dog bites," or "what do to after an auto accident." This method of specificity will help you with honing in on your subtopic's specificity.
To set yourself up in the best possible light with your audience and the major search engines, your content must be of high quality. Allocating extra time and resources to an article can be the difference between conversion success and conversion failure. With an ever-increasing content-hungry Internet audience, the competition for users' attention will only become more formidable.
As a content producer, it is your job to ensure you're doing everything possible to deliver high-quality content to your users. Doing so will help you with many aspects of your campaign: your click-through rates (CTRs) will increase, your bounce rates will drop, your users' average time-on-site will increase and your conversion rates will increase. Not only that, but you'll also be the go-to person for all things related to your industry. Since writing quality and writing style can be highly subjective areas, putting the right people and processes in place are the key to ensuring your content is high-caliber stuff that people will actually care about.
Quality content is well written and provides actual, important information which also includes appropriate keywords, meeting the user's needs while balancing keyword targeting. Here's the long and short of it, the most important thing you need to understand: write for humans, optimize for robots. What do humans want? They want answers to questions. They want value, information and new insights. Search engines prefer the natural content that users want to read, so anything that looks like it was written for a search bot is only harmful for your website.
The quality of your content will be the difference between conversion success and conversion failure. The competition for attention on the Internet is constantly increasing, which actually serves to raise the demand for quality content that is worth the user's time. It's up to content producers to ensure they are doing everything possible to deliver quality content.


text:
Heritability of myopia and ocular biometrics in Koreans: the healthy twin study.
Myung Hun Kim, D. Zhao, Woori Kim, Dong Hui Lim, Yun Mi Song, Eliseo Guallar, Juhee Cho, Joohon Sung, Eui Sang Chung, Tae Young Chung
To estimate the heritabilities of myopia and ocular biometrics among different family types among a Korean population. We studied 1508 adults in the Healthy Twin Study. Spherical equivalent, axial length, anterior chamber depth, and corneal astigmatism were measured by refraction, corneal topography, and A-scan ultrasonography. To see the degree of resemblance among different types of family relationships, intraclass correlation coefficients (ICC) were calculated. Variance-component methods were applied to estimate the genetic contributions to eye phenotypes as heritability based on the maximum likelihood estimation. Narrow sense heritability was calculated as the proportion of the total phenotypic variance explained by additive genetic effects, and linear and nonlinear effects of age, sex, and interactions between age and sex were adjusted. A total of 240 monozygotic twin pairs, 45 dizygotic twin pairs, and 938 singleton adult family members who were first-degree relatives of twins in 345 families were included in the study. ICCs for spherical equivalent from monozygotic twins, pooled first-degree pairs, and spouse pairs were 0.83, 0.34, and 0.20, respectively. The ICCs of other ocular biometrics were also significantly higher in monozygotic twins compared with other relative pairs, with greater consistency and conformity. The estimated narrow sense heritability (95% confidence interval) was 0.78 (0.71-0.84) for spherical equivalent; 0.86 (0.82-0.90) for axial length; 0.83 (0.76-0.91) for anterior chamber depth; and 0.70 (0.63-0.77) for corneal astigmatism. The estimated heritability of spherical equivalent and ocular biometrics in the Korean population suggests the compelling evidence that all traits are highly heritable.
Unknown Journal
https://doi.org/10.1167/iovs.12-11254
10.1167/iovs.12-11254
Fingerprint Dive into the research topics of 'Heritability of myopia and ocular biometrics in Koreans: the healthy twin study.'. Together they form a unique fingerprint.
Twin Studies Medicine & Life Sciences
Myopia Medicine & Life Sciences
Monozygotic Twins Medicine & Life Sciences
Eye Medicine & Life Sciences
Astigmatism Medicine & Life Sciences
Anterior Chamber Medicine & Life Sciences
Corneal Topography Medicine & Life Sciences
Dizygotic Twins Medicine & Life Sciences
Kim, M. H., Zhao, D., Kim, W., Lim, D. H., Song, Y. M., Guallar, E., Cho, J., Sung, J., Chung, E. S., & Chung, T. Y. (2013). Heritability of myopia and ocular biometrics in Koreans: the healthy twin study. Unknown Journal, 54(5), 3644-3649. https://doi.org/10.1167/iovs.12-11254
Heritability of myopia and ocular biometrics in Koreans : the healthy twin study. / Kim, Myung Hun; Zhao, D.; Kim, Woori; Lim, Dong Hui; Song, Yun Mi; Guallar, Eliseo; Cho, Juhee; Sung, Joohon; Chung, Eui Sang; Chung, Tae Young.
In: Unknown Journal, Vol. 54, No. 5, 05.2013, p. 3644-3649.
Kim, MH, Zhao, D, Kim, W, Lim, DH, Song, YM, Guallar, E, Cho, J, Sung, J, Chung, ES & Chung, TY 2013, 'Heritability of myopia and ocular biometrics in Koreans: the healthy twin study.', Unknown Journal, vol. 54, no. 5, pp. 3644-3649. https://doi.org/10.1167/iovs.12-11254
Kim MH, Zhao D, Kim W, Lim DH, Song YM, Guallar E et al. Heritability of myopia and ocular biometrics in Koreans: the healthy twin study. Unknown Journal. 2013 May;54(5):3644-3649. https://doi.org/10.1167/iovs.12-11254
Kim, Myung Hun ; Zhao, D. ; Kim, Woori ; Lim, Dong Hui ; Song, Yun Mi ; Guallar, Eliseo ; Cho, Juhee ; Sung, Joohon ; Chung, Eui Sang ; Chung, Tae Young. / Heritability of myopia and ocular biometrics in Koreans : the healthy twin study. In: Unknown Journal. 2013 ; Vol. 54, No. 5. pp. 3644-3649.
@article{2d83e7b2249442a8ac3994f0f5eea00c,
title = "Heritability of myopia and ocular biometrics in Koreans: the healthy twin study.",
abstract = "To estimate the heritabilities of myopia and ocular biometrics among different family types among a Korean population. We studied 1508 adults in the Healthy Twin Study. Spherical equivalent, axial length, anterior chamber depth, and corneal astigmatism were measured by refraction, corneal topography, and A-scan ultrasonography. To see the degree of resemblance among different types of family relationships, intraclass correlation coefficients (ICC) were calculated. Variance-component methods were applied to estimate the genetic contributions to eye phenotypes as heritability based on the maximum likelihood estimation. Narrow sense heritability was calculated as the proportion of the total phenotypic variance explained by additive genetic effects, and linear and nonlinear effects of age, sex, and interactions between age and sex were adjusted. A total of 240 monozygotic twin pairs, 45 dizygotic twin pairs, and 938 singleton adult family members who were first-degree relatives of twins in 345 families were included in the study. ICCs for spherical equivalent from monozygotic twins, pooled first-degree pairs, and spouse pairs were 0.83, 0.34, and 0.20, respectively. The ICCs of other ocular biometrics were also significantly higher in monozygotic twins compared with other relative pairs, with greater consistency and conformity. The estimated narrow sense heritability (95% confidence interval) was 0.78 (0.71-0.84) for spherical equivalent; 0.86 (0.82-0.90) for axial length; 0.83 (0.76-0.91) for anterior chamber depth; and 0.70 (0.63-0.77) for corneal astigmatism. The estimated heritability of spherical equivalent and ocular biometrics in the Korean population suggests the compelling evidence that all traits are highly heritable.",
author = "Kim, {Myung Hun} and D. Zhao and Woori Kim and Lim, {Dong Hui} and Song, {Yun Mi} and Eliseo Guallar and Juhee Cho and Joohon Sung and Chung, {Eui Sang} and Chung, {Tae Young}",
note = "Copyright: Copyright 2018 Medline is the source for the citation and abstract of this record.",
doi = "10.1167/iovs.12-11254",
journal = "Advances in Water Resources",
T1 - Heritability of myopia and ocular biometrics in Koreans
T2 - the healthy twin study.
AU - Kim, Myung Hun
AU - Zhao, D.
AU - Kim, Woori
AU - Lim, Dong Hui
AU - Song, Yun Mi
AU - Guallar, Eliseo
AU - Cho, Juhee
AU - Sung, Joohon
AU - Chung, Eui Sang
AU - Chung, Tae Young
N1 - Copyright: Copyright 2018 Medline is the source for the citation and abstract of this record.
N2 - To estimate the heritabilities of myopia and ocular biometrics among different family types among a Korean population. We studied 1508 adults in the Healthy Twin Study. Spherical equivalent, axial length, anterior chamber depth, and corneal astigmatism were measured by refraction, corneal topography, and A-scan ultrasonography. To see the degree of resemblance among different types of family relationships, intraclass correlation coefficients (ICC) were calculated. Variance-component methods were applied to estimate the genetic contributions to eye phenotypes as heritability based on the maximum likelihood estimation. Narrow sense heritability was calculated as the proportion of the total phenotypic variance explained by additive genetic effects, and linear and nonlinear effects of age, sex, and interactions between age and sex were adjusted. A total of 240 monozygotic twin pairs, 45 dizygotic twin pairs, and 938 singleton adult family members who were first-degree relatives of twins in 345 families were included in the study. ICCs for spherical equivalent from monozygotic twins, pooled first-degree pairs, and spouse pairs were 0.83, 0.34, and 0.20, respectively. The ICCs of other ocular biometrics were also significantly higher in monozygotic twins compared with other relative pairs, with greater consistency and conformity. The estimated narrow sense heritability (95% confidence interval) was 0.78 (0.71-0.84) for spherical equivalent; 0.86 (0.82-0.90) for axial length; 0.83 (0.76-0.91) for anterior chamber depth; and 0.70 (0.63-0.77) for corneal astigmatism. The estimated heritability of spherical equivalent and ocular biometrics in the Korean population suggests the compelling evidence that all traits are highly heritable.
AB - To estimate the heritabilities of myopia and ocular biometrics among different family types among a Korean population. We studied 1508 adults in the Healthy Twin Study. Spherical equivalent, axial length, anterior chamber depth, and corneal astigmatism were measured by refraction, corneal topography, and A-scan ultrasonography. To see the degree of resemblance among different types of family relationships, intraclass correlation coefficients (ICC) were calculated. Variance-component methods were applied to estimate the genetic contributions to eye phenotypes as heritability based on the maximum likelihood estimation. Narrow sense heritability was calculated as the proportion of the total phenotypic variance explained by additive genetic effects, and linear and nonlinear effects of age, sex, and interactions between age and sex were adjusted. A total of 240 monozygotic twin pairs, 45 dizygotic twin pairs, and 938 singleton adult family members who were first-degree relatives of twins in 345 families were included in the study. ICCs for spherical equivalent from monozygotic twins, pooled first-degree pairs, and spouse pairs were 0.83, 0.34, and 0.20, respectively. The ICCs of other ocular biometrics were also significantly higher in monozygotic twins compared with other relative pairs, with greater consistency and conformity. The estimated narrow sense heritability (95% confidence interval) was 0.78 (0.71-0.84) for spherical equivalent; 0.86 (0.82-0.90) for axial length; 0.83 (0.76-0.91) for anterior chamber depth; and 0.70 (0.63-0.77) for corneal astigmatism. The estimated heritability of spherical equivalent and ocular biometrics in the Korean population suggests the compelling evidence that all traits are highly heritable.
U2 - 10.1167/iovs.12-11254
DO - 10.1167/iovs.12-11254
JO - Advances in Water Resources
JF - Advances in Water Resources


Read along and do some exercises.
A reading exercise with amazing facts from the Guinnes book of world records.
Helen Keller is always an inspiration to school children and should be remembered forever. There is a printable worksheet as well.
A simple text to practise have,has, is, are and some lexis. For beginners.
Reading this short story children will check their Reading Comprehension ability to understand a text.
Pupils listen 10 words from Winnie�s story and choose the right pictures.
This gives info on writing tips and ideas. Students then take a POP! Quiz to see what they learned.


text:
Roma Lose 3-0 To Shakhtar
Roma are out of the Champions League after losing 3-0 to Shakhtar in a freezing night in Donetsk.
It was always going to be a tough task for Roma to overcome a 3-2 deficit from the first leg, especially against a side that has not lost at home for 55 games.
But even after Hubschman made it 1-0 with a backheel following Willan's cross from the left, Roma still had chances to get back into the tie and got earned a penalty for a push on Borriello, but the ex-Milan striker's spot kick was too close to the keeper Pyatov who saved well.
To all intents and purposes the game was over soon after when the English referee Howard Webb sent Mexes off with a harsh second yellow card in the 41st minute. Roma then lost their heads with DeRossi no less aiming an elbow at Srna which wasn't seen by the referee. The right back was booked for protesting. It was 1-0 at half time, which, when added to being 4-2 down on aggregate, Borriello's missed penalty, and Mexes' red card, didn't bode well for the hopes of the giallorossi.
In the 2nd half, Shakhtar secured victory with a right foot shot from the impressive Willan, one of Shakhtar's many unknown stars. There was still time for a bad Borriello foul which went unpunished. Shakhtar, who from then on passed the ball around in triumphant fashion, go through to the quarter finals for the first time.
Roma conceded again after a Rosi error left Eduardo, the former Arsenal player, with an open goal.
All in all a disappointing European campaign for Roma this season, as it has been for most of the Italian teams.


text:
Q: Number line compression and docking controls Hi Mathmeticians out there.
I am a little stumped and I was wondering if there was any sort of algorithm that could help me.
First the conceptual problem, Lets say I have a bunch of boxes that lie along an X axis. I want to be able to choose an arbitrary point A on the axis and have everything on the left scaled to 95% of its original width and position and to compensate, everything on the right will have to be scaled to 105%. The width of the resulting boxes is easy to calculate since it is the original width times the scale. The problem I am having is how to calculate the gap which has now been created at point A so that I can shift the second part left to close that gap.

Furthermore, I would like to not only select a point A, but also a B and C, etc.. as well and be able to close their gaps likewise.
--The real reason I am asking--
Now for the actual problem (in case anyone else out there has gone through this.) I have a control in a C# Winforms app that was made by some programmer before I got here. The control can contain any number of child controls that each have their own relative coordinates as a percentage of the Width or Height (i.e. A control with a relative X coordinate of 0.5 will be placed halfway across the parent container.
We desperately need to support multiple monitors and the problem that I am having is that if you dock a control or toolbar next to our proprietary control then the ClientRectangle is smaller so it shifts around the child borders like so

My boss doesn't like that the lines shift over monitor boundaries and wants me to only mess with the lines on the same monitor where the window was docked. I have been able to get 90% of the way using the concept above, but I can't seem to get the re-spacing calculation right.

A: Here is a Mathematical model of what I think for calculating the gap.
Let's say that you have a starting point A, and lets define it as xA.
Now, let's define the boxes
//Box{x0,x1}
Boxes = {[B1]{0,100},[B2]{100,200},[B3]{200,400},[B4]{400,450},[B5]{450,700}}

Now we have 5 boxes on the X axis.
Let's define;
A = xA = 370;
TotalLength = 700;

If you divide 700 by 2, that makes 350 which makes the mid point, and 370 is bigger than the mid point value. So that is being said, in this case you would need to shift the elements on the left to right. The calculation of the gap is as the following;
IF(Midpoint < A)
    Gap = ((A- Midpoint) * 100 ) / TotalLength //This is the gap in percent
ELSE
    Gap = ((Midpoint - A) * 100) / TotalLength

This way, you can find the gap. The Axis you need to shift towards will need to be decided based on the point you are selecting, if the selected point less than the Mid point then shift to right, if higher shift to left (to the positive axis route).
I hope this helps.

A: Thank you for your help Surgeon. Unfortunately I wasn't able to find a solution using your method. On the bright side, I was able to find a solution. The trick was to treat the X coordinate as the width between the Client Rectangle's left edge and the X coordinate's position and calculate it similarly to the child width.
For more specifics, here's the algorithm I have come up with for dealing with the docking problem:
var clientOriginalWidth = what the width of the Client rectangle would be without docks
var clientCompressedWidth = the width of the client now

//Calculate the Compression Ratio for each screen as follows
foreach(var screen in Screens){
  var widthOfClientRectOnScreenNow = how much of the client rectangle is on this screen
  var widthOfClientRectOnScreenWithoutDocks = how much of the client rectangle was on the screen before the docks were there
  var compressionRatio = (widthOfClientRectOnScreenNow / clientCompressedWidth) /
                     (widthOfClientRectOnScreenWithoutDocks / clientOriginalWidth);

  //Assuming control.xScale and control.widthScale are initially 0
  foreach(var control in ParentControl){
     var controlBounds = where the control was when the client was full width
     if(controlBounds.X > screen.right){
        var percentOfXPositionOnScreen = screen.right - screen.left / control.x;
        controlBounds.xScale += percentOfPositionOnScreen * compressionRatio;
     }
     else if(control.X > screen.left){
       var percentOfXPositionOnScreen = control.x - screen.left / control.x;
       controlBounds.xScale += percentOfPositionOnScreen * compressionRatio;
     }

     if(screen.intersects(controlBounds){
       var percentControlIsOnScreen = what percent of the control's width was on this screen
       control.widthScale += percentControlIsOnScreen * compressionRatio;
     }
  }
}

The position is then found by multiplying the original X coordinate by the scale (same for the width). Once the docks are removed, recalculate the scale. When all docks are removed, the scale should be 1.
I have left out some specifics to make it more of a generalized algorithm, but one should be able to work through this on their own system.


text:
Șibot – gmina w Rumunii, w okręgu Alba. Obejmuje miejscowości Balomiru de Câmp, Băcăinți, Sărăcsău i Șibot. W 2011 roku liczyła 2236 mieszkańców.

Przypisy

Gminy okręgu Alba


text:
In Memoriams
Today's Listing
William Henry Young
Passed: March 19, 2018
William Henry Young, age 72, a resident of Mill Creek, and formerly of Alder Point, passed away peacefully on Monday, March 19, 2018, at home, after a courageous battle with cancer. Born in Alder Point on July 27, 1945, he was the son of the late Henry and Thelma (LeBlanc) Young. Dad worked as a fisherman in his younger years. Later, in his retirement, he enjoyed the simple things; hunting, fishing, camping in the Highlands, and spending time with his family, who he adored. He is survived by his loving wife of 49 years, Jane (Devoe) Young; and his children, Marie, Heather, Kathy (Mark Boudreau), and Shirley (Jason Jessome). He will be sadly missed by his grandchildren, Cody, Christina, Allison, James, Justin, Mark Jr., Courtney, Aaron, Amanda and Sara; six great-grandchildren; brothers, Bernie and Brian; and sisters, Ann, Rita, Marie, Josephine, Noella and Darlene. Besides his parents, he was predeceased by his son, William; brothers, Joseph, Steven, Wally and Willard. His family would like to thank Dr. Paul Hickey for the care given to William over the years. There will be no visitation or funeral. Cremation has taken place. Words of comfort may be forwarded to his family at www.jmjobesfuneralhome.com.
Click here to order flowers, make a donation or leave a condolence.
More Obituaries
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Cabot not main beneficiary of Inverness airport, says Cowan-Dewar
Orrell chosen as Conservative candidate for Sydney-Victoria
New gift shop opens in Sydney Mines
The little show that did: Schitt's Creek star shocked by Emmy noms 'rolling in'
Cape Breton Post Tweets
Follow @capebretonpost


text:
class ValidParenGenerator {
public:
    vector<string> generateParenthesis(int n) {
        vector<string> validPairs;
        if (n <= 0) {
            return validPairs;
        }
        string curParen = "";
        getValidPairs(n, n, validPairs, curParen);
        return validPairs;
    }

private:
    void getValidPairs(int leftBraces, int rightBraces,
        vector<string>& validPairs, string& curParen) {
        if (leftBraces == 0 && rightBraces == 0) {
            validPairs.push_back(curParen);
            return;
        }
        if (leftBraces > 0) {
            curParen += '(';
            getValidPairs(leftBraces - 1, rightBraces, validPairs, curParen);
            curParen.pop_back();
        }
        if (rightBraces > leftBraces) {
            curParen += ')';
            getValidPairs(leftBraces, rightBraces - 1, validPairs, curParen);
            curParen.pop_back();
        }
    }
};

redpajama_set_name: RedPajamaGithub


text:
Episode #24: The Grow and Defend Strategy to Build Your Wealth Smartly!
August 31, 2018 Episode 24
Aug 31, 2018 Episode 24
The Grow & Defend Strategy to Build Your Wealth Smartly!
Show Notes Transcript
- A simple strategy that Jerry and Nick have used for their clients that focus's on growing your wealth in calm markets and becoming defensive during extreme market conditions.
- The benefits to indexing and diversifying in more than just stocks from the USA.
- How the Risk Band-Aid can be the difference between getting crushed during the next market crash or helping prevent it from crushing you.
Speaker 1:
This is the on the money podcast with Jerry Nick Royer, broadcasting nationwide. Jerry and nick are consumer advocates, authors and TV news contributors to NBC and ABC Stations. Their nationally syndicated radio show reaches coast to coast every week. Jerry and nick will show you how to make sure you live a confident retirement lifestyle with more simplicity at less worry. You are listening to the on the money podcast with Jerry and Nick Royer. This is the on the money podcast. I'm mark Elliot with you once again joined. As always,
he's in the studio here with Jerry and Nick Royer and in case you are new to the podcast. Let me tell you a little bit about Jerry and nick. They are registered financial consultant TV personalities, authors, their radio show airs coast to coast, and they were the founders of I financial and retirement planning firm that has hundreds of clients across the country called group 10 financial. They're the creators of the on the money retirement blueprint, a five step process to help you live a confident retirement lifestyle. So if your goal is to help ensure you don't run out of income during retirement or you want to make sure you survive in both good and sour markets, or you want to make sure you don't pay any unnecessary taxes, well then this is what their system is designed to do and that's what this podcast is all about.
We cover a lot of ground on this show every single week and this is, I think, an interesting topic we're going to touch on in this because over the past 52 years, Jerry, nick have created multiple strategies to help people navigate the uncertain economy because let's face it, 2008 was a wakeup call that the strategies of old like buy and hold was one that did not work that well during that time period. Now, here we are a decade later and instead of using old antiquated strategies that worked in the past decade, Jerry, nick have come up with some smart strategies to help not only grow your money, but to defend your money when necessary. Guys, why is this important? Well, the market crashed back in 2008. Mark took until 2013 to get back to even that's five years, and then there was the 2000 to 2010 debacle, which was called the lost decade because you had like you had the beginning of the decade that had the.com and then the uh, oh, eight crash, right into disliked everything about if you were trying to retire, you lost money in the market, lost money causing a ton of people to run out of money during retirement.
So if you go back to the DOTCOM bubble, bursting in, in, in the early two, thousands and new throw in nine slash 11, the complicated things even more than you've got to 2008 where you have the banking and housing, financial crisis and you know, letterman and Leno. We're having fun on their monologues saying, I hope you're enjoying your two. Oh, okay. I know you thought it was a 401k, but it's a two o one k now. Certainly during that decade they'd, you know, Jerry, you just said called the lost decade. The old buy and hold type of strategy really wasn't efficient back then. It was called buy and hope because over it should go up. The market
should go up. The question is, how long do you have to wait for that to happen? I mean, granted, I will give that the market goes up in the longterm, but what if you will, we have another last decade. What if you don't have longterm the weight? Okay. Um, there's a, a market forecast sheet that I have here from several of the world's most renowned people. So John Bogle, founder of vanguard, this was in October 2017. He expects the stock market the only have four percent returns over the next seven to 10 years. Three percent return for bonds over the next decade. And that was last October. That was last October. So four percent. He's thinking four percent for stocks, three percent for bonds. Morningstar investment management thinks that one point eight percent is the 10 year nominal return for the US stock market. One point eight percent, two and a half percent for us bonds. And that was September of 2017.
Yeah. And Charles Schwab investment advisory says at a six point seven percent expected nominal return for us, large cap stocks from 2017 to 2026 that are the most bullish. At six point seven, you have to take that 2017 to 2026. I mean that's, that's a long period of time. And if you're going to put all your money at risk for a six point seven percent return, there's programs out there, it'll do better vanette with no risk. You just have to be made aware of it.
How about vanguard? Vanguard, you have nominal us equity markets returns, okay. A vanguard nominal US equity market returns into three to five percent range during the next decade. That's a problem when vanguard is saying just three to five percent is what it's going to do over the next decade and a two to three percent in fixed income markets. And that was in December of 2017 from vanguard. And then you guys saw it. Look at facebook. You know, I have lots of people who have come in over the years and said, Hey, I've got all my money saved than facebook. What do you think about that? And I'm telling them that's not very. That's not all your eggs in one basket, $100,000,000,000 in one day. Now you know what? They are not the only ones. If we look going back in time now, facebook did lose $119 billion in July. Intel in September of 2000, lost $90 million. Microsoft in 2000 lost $80 million.
But like you were saying, nick, with apple in 2013, it went down. What was it? Fifty $9, billion, $50 billion. Then it just crossed over recently $1,000,000,000,000. So I mean it can happen. It can
turnaround, but like we talk about a lot on the show. If you don't have a retirement roadmap that can account for both good and sour markets, then your retirement is completely dependent on if the stock market goes up or not. It's tough to live that way and I'm going to give out our number here in a second and offer you an opportunity right now to have us help you create a customized, simple to follow step by step financial blueprint of your money and there's no obligation. There's no cost for this initial review. If you have at least $200,000 saved for retirement, that number is 869. One, three, three, seven two. That's 800, six, nine, 1:33 72, and you can also text easy. That's like e z as in Zebra, e the is easy. Retire to 30 1:30 1:31, so that's easy. Retire to 30 1:30 1:31.
Jerry royer. Is the founder and CEO of group 10 financial or is the president of group 10 financial. I'm mark Elliott. Glad you're with us today. For the money that buy and hold is an outdated strategy. What would be a better strategy in today's financial world? So if you're wanting to get some growth but not get devastated when the next market has a big drop and have we have another bear market like we did in 2008, which usually happens every really for eight years, you can kind of count on it at some point, but we're in the longest bull run we've ever had on Wall Street, so maybe it's never going to go down. It's just going to go up and I'll let it rest of my life. I know and that's when we want to defend. When it does go down, we call this grow and the bend because that's what we want to do, grow our money and defended, protected when the markets are in a turmoil and there's a bunch of fear out there in the markets.
The first thing that we do, the first step is indexing. We like to use indexing like the SMP $500. There's no dividends at nexus. There's foreign stock indexes, there's emerging market, fixed income indexes. So we like indexing. Take the smp for $500. For example. You can buy a fund that tracks the s and p 500 index and when you do that, indexing is usually very, very low cost because you're indexing directly and there's usually no money manager managing that. So the indexing is is usually a lower cost way to go. That's the first thing we like is indexing. The second thing we want to do is diversify. We want to use several of these indexes, so we are diversified between the SNP 500, perhaps foreign stocks, international stocks, emerging markets, fixed income. That is the grow part of the grow and defend strategy. Basically index and diversify.
So we have a lot of different things going on, but all working, we're all working together. Then we want to monitor it and defend when necessary. Think about a Thermostat, you know, uh, when it's hot, what do you do? You turn it down so it cools off your house. If it's cool, you turn it up and you will alter that thermostat. And we kind of do that. The same thing by watching what we call the fear index. So get this, there is actually an index that is out there that measures fear. Now I'm going to ask you guys a couple of questions. When fear is high, this index goes up. When fear is low, this index goes down. Now I'm going to ask you a couple of questions. When fear is down, what do you think is going to happen in the stock market? Fears down.
What do you think happens to this stocks? People buy stock. Yeah, because there was no fear, right? So if fear is low, the market goes up. How? Let's reverse that. When fear is up, what do you think is going to happen in the stock market? People are going to go out and sell freight. You're going to look, yeah, they're afraid. So they're gonna. They're going to get out, right? So a smart technology. Now we can actually measure each day. If fear is up, we're a fear is down and if fear is up and the market has taken a nosedive, we can put on a risk bandaid the defendant from writing that nose dive down. For instance, in February to market was down big. In fact, we started out the year incorrection down over 10 percent, but because of this risk bandaid, this strategy was actually up doing it this way, and that's what we want to do.
We want to index, we want to diversify, we want to grow, and then we want to defend and put on that risk band aid when it's time to do so, and strategies like these can help give you more peace of mind in retirement. The markets haven't taken that big dive that we've been expecting, but history shows us that it will happen at some point when that happens. We want to defend what we've grown, so if you call right now, we will help you create your own custom retirement blueprint, completely customize using strategies like this grow and defense strategy. This is not some cookie cutter approach. It's designed to help you take the mystery out of financial planning by giving you a roadmap that you can follow. So keep in mind there's no obligation or cost for this initial review. If you call and you have at least $200,000 saved for retirement,
here's what we'll do for you. We'll run a stress test on your money to see how prepared you are for both good and sour markets. We'll also be able to tell you if you run the risk of running out of money during retirement will help also create a customized time income plan where we will use proven techniques which could not only help increase your retirement income, but make sure it lasts throughout retirement. We'll also check out the taxes that you're paying to see if you're paying unnecessary taxes. A lot of retirees are out there, are paying way too much in taxes, will help you take the confusion out of financial planning and replace it with a detailed roadmap to help get you to and through retirement. Just call us right now for this no obligation, no cost retirement review,
and of course that number is 869 one slash 33 slash 72. If you're wanting the team to create your retirement blueprint for you using their proven strategies and techniques, you will want to call right now. There's no cost, there's no obligation, there's no pressure. It's just a chat, if you will, a fireside chat. Think of it that way. Eight hundred 69 one slash 33 slash 72 869 1:33 72 and of course you can text as well. The word easy retire. So it's the letter z, the letter z. So easy retire and texts at 2:30. One 30 1:31. Easy retire 30 1:30 1:31 or you can obviously call 869 1:33 72.
So for Jerry and Nick Royer, I'm mark Elliott. Thanks for joining us again and we'll talk to you next time on the money podcasts with Jerry and Nick Roy. You've been listening to the on the money podcast with Jerry and nick royer every week. Catch new episodes to discover the latest retirement strategies and tips for retiring well from Jerry and nick. To learn more about how to create a retirement blueprint to help you have total confidence in your retirement flatten. Visit them online@grouptenfinancial.com. That's group one. Zero financial [inaudible]
dot com.


Over the years I have represented very many drivers facing a six-month penalty points disqualification. These are just a few examples of how the courts have dealt with some of my clients.
In 2017 I successfully represented Mr R who committed a fourth speeding offence right at the end of the relevant three-year period. The court accepted representations from me that in his circumstances it was appropriate to give him a short discretionary disqualification (in his case 14 days) rather than penalty points and he thereby avoided a six-month disqualification.
2018 I represented Mrs C who had committed a fourth speeding offence. She already had nine penalty points on her licence for three previous offences. She was the proprietor of a recruitment business and her employees depended upon her ability to travel every day to deal with clients. The court accepted that if she was disqualified for six months her business was at risk which in turn jeopardised the jobs of staff. The court found "exceptional hardship" in relation to staff and she was not disqualified.
In 2017 I represented Mr W, a self-employed window cleaner. He was his family's sole source of income and they depended on him to pay the mortgage on the home. He owned and used specialised window cleaning equipment to clean office block windows in central London and left home early every morning to collect employees along the way. The court accepted evidence that a six-month disqualification would put his family's security at risk through loss of the home. Exceptional hardship was found and he was not disqualified.
In 2016 I represented Mr J who had been disqualified for six months by a magistrates' court which refused to find exceptional hardship. I represented him on his appeal to the Crown Court. He had not been represented in the magistrates court and when his evidence was properly presented to the Crown Court, exceptional hardship was found and the disqualification was removed.