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Sell your used panties

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The second rule of used panties selling - ignore the first rule because you want as many people as possible to know about your shop. We wanted to produce something that could benefit all experience levels in the used underwear industry and offer a step by step introduction to the absolute beginners. Platforms While we have a natural bias in this area, we are well aware that there are several platforms which can be used to buy and sell used panties. Though we would advise all those looking to start selling to head over to our platform, we know that users have found success on other platforms also. So there are a few things that you should consider. Price Unfortunately, most used underwear marketplaces will charge sellers a fee to open a shop and list their items on the site.

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This may put them on a collision course with camming and clip sites, which increasingly facilitate things like panty sales themselves, jsed a way for performers to make extra revenue.

Everything you need to get started selling dirty panties online

We urge all sellers to be vigilant in keeping your information safe. While Nickie and Charlotte both jumped into sex work by selling used undergarments, many established sex workers started selling panties as an extra product, only after customers repeatedly expressed interest. This poses the question for sellers; how do I accept payments?

Audience The reason you subscribe to any used underwear marketplace is due to the fact that they have the buyers at their disposal. But what, exactly, goes into making a sale? The same can occur with customers.

Boundaries Each buyer is different and will likely have different wants, needs and desires. Melody explains that frequent trips to the post office can be a problem for another reason: It raises the suspicion of postal workers.

There are logistics to this stuff. Feel sexy Each and every seller on our platform has a right to feel sexy and nothing is sexier than strutting around in your lingerie. We can completely understand the reluctance in entering this information, however it actually benefits your shop a lot. Be creative, be yourself, and have fun!

Selling underwear online is not that difficult and the best pantoes is that not many girls know about this amazing opportunity that exists.

For example: the material, color, style, and condition of your panties. Make sure your twitter is linked to manyvids. Make sure you wear the panties atleast overnight. Now this is free money as anyways she will be wearing her panties. This is probably the most important point on the list.

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And please familiarize yourself with the SP ordering process before setting up your shop. Using a bubble-wrap mailer is a a cheap way to ship and keep the contents secure. Also manyvids will promote your products so that is free marketing as well. If they want me to wear them for seven days, I tell them it's a hygiene risk.

This your own private used panties store, pantis control what happens. Ensure you're sending out the items very soon after receiving payment, this will avoid lag time between the buyer paying and then receiving the item. This is a very visual business, reliant on the buyers being attracted to the images of underwear you've posted. The second rule of used panties selling - ignore the first rule because you want as many people as possible to know about your shop.

Your first sale, should be the first of many and the way to ensure this is by building trust among your customers. You can sell almost anything on ussd. Advising sellers on what to price their items is always a difficult task as there are many variables involved. Rather the people who buy these worn uxed are just normal people. For the most part, a poor de equals a poor service.

Sell used panties and make $/day ()

Panties can also act as a keepsake or souvenir that holds a cherished memory. After a few drinks and a set spent surreptitiously touching each other under the table, he asked—or, maybe, dared—Nickie to sell him the pantyhose she was currently wearing. Even then, only the most entrepreneurial and willing survive on these platforms, which provide a hard-won part-time income at best, unless providers are willing to go down panyies rabbit hole of additional digital sex services.

Prompt Response When a buyer contacts your shop, it yyour they're very interested in purchasing your items, so you should be striking while the iron is hot.

Add tags to your item to increase searchability. The panties listed below have given the best rates for our girls. With that said, if you use your profiles ykur there are literally millions of users who would be willing to follow you, check out your store and maybe even BUY! We take your safety seriously, and we do not tolerate any abusive actions on our site.

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SP coins should be used as payment for digital items. Extras Be a unicorn in a field of horses. Closing The Deal You made it. You will most likely be approached by users who are looking to scam you into handing over your item without them paying. The best way to get an idea about actual rate is start selling panties online and see which price point is getting you the most money.

Selling used panties online is harder than you think

But if you are beginnerstart with any of the recommended panty selling sites listed above and then after some time, you can start selling on craigslist. Safety is major concern for sellers.

Goddess Virgin says she is able to make a good living, not just pocket change, off of her digital sex work, but largely because she had hsed done clips and domination services, then integrated them with her panty sales. Another downfall of panties listed is the sad single image post.

psnties One of the tasks that is required for any successful store is promotion. Reddit Used Panties This is a highly popular place to sell your used panties.

#1 - your profile

We also know that some sellers prefer ussd hand deliver their items to the buyers, if this is the case, make sure to meet in a busy area, it may also be conscientious to not go home immediately after the transaction is made. Panties as souvenirs can represent a brush with fame. PantyTrust, for instance, grew out of an early used panty forum in which buyers commiserated about the of dubious or unreliable sellers and created lists of reliable, friendly, and fair providers.

But buyers still demand a certain amount of rapport from sellers. Males and Females have different scent and hence few men get excited and enjoy sniffing used worn panties. Whether a buyer was difficult and unreliable or an absolute pleasure to work with, end things the exact same way, with a friendly message thanking them for their business. Earlier people used to buy used panties from vending machines. And to really make good money, some sellers have to hybridize their panty sales with other forms of digital sex work, like selling custom videos or web camming.

Social media: do they post regularly and have engagement on their posts?


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text:
Where Bonnaroo is Going, Whether You Like it or Not

Where Bonaroo is going, whether you like it or not!

In 2016, Bonnaroo found itself with a massive disaster on its hands. LCD Soundsystem, Pearl Jam and Dead and Company sounded like a really cool lineup to me, a then 33-year-old white guy, but as I came to discover at the same time as the festival, it didn’t sound cool to literally any other demographic. Around 40,000 people showed up to the festival accustomed to hosting around 80,000.

Last year, they began a reinvention of sorts. The Weeknd closed the weekend; the first real Top 40 pop act to do such a thing. And this year, the festival continued moving in that direction. But this year, the festival seemingly scrapped a lot of the budget it would have typically used in the middle of the poster for experiences while keeping just enough acts that 35-year-old white guys like on the bill so they could sell $7 beers.

Here’s a thing I grasped last week: people between 18-25 don’t care about the music. They care about the experience. Or more specifically, sharing the experience. They care about having cool stuff to post on Instagram or Snapchat. And there’s not one thing in the world wrong with it, despite what old 35-year-old curmudgeons say. That’s the world they’ve known their entire lives, and that’s fun. But how do you combat that when you’re bleeding money and folks are actually asking if your festival can survive?

You pour money into the campgrounds, which is where young people have their experiences at Bonnaroo. It’s the largest camping music festival in America – maybe the world. In its entire 17 years – before the need to share was so deeply ingrained into our society – there have always been folks that never leave that campground. They just want to sit out there and do drugs and hang out with their friends. And the festival figured out how to solve the problem: go to them.

There are certainly still folks like myself that go to see live music. And the festival found a way to balance that: quality over quantity.

Or then, maybe they saved so much money by booking Muse they just blew it on experimentation. It seemed to work on the bottom line.

Here are the top ten things I saw at Bonnaroo 2018.

10. Muse – Muse is fine. Muse can write incredibly memorable guitar riffs, but they have no memorable songs. Muse has like six songs that you once heard in a video game or on the “Queen + Radiohead” Pandora station that you created.

But you do remember those guitar riffs. And you kinda hum your way through the rest of it and it’s a fun time. It’s a better time than you think it’s going to be because you had extremely low expectations. Like imagine if a guy that wanted to be Bono that kind of sounds like Thom Yorke was fronting a band that wanted to be Queen. That’s Muse.

9. Broken Social Scene – Broken Social Scene is lesser Arcade Fire. But I’ve always dug them and I’ve never seen them and this was a lot of fun. I probably should have placed Mavis Staples right here, but I saw her do one of the most amazing sets I ever saw at Hangout several years back and this one was on the worst stage in all of music – the Which Stage – and it was hot. So Broken Social Scene gets the square.

8. St. Paul and the Broken Bones – Or maybe it’s here where Mavis belongs; I only actually saw about 20 minutes of this set, but in that 20 minutes, Paul Janeway sprawled a carpet over the top of the audience and took a literal “Magic Carpet Ride” out to the soundboard, all the while singing “Broken Bones and Pocket Change” – then, he crowd surfed his way back to the stage – and never stopped singing. And it’s like, sure, I’ve see a lot of St. Paul and the Broken Bones shows before. But I’ve absolutely never seen that.

7. Dua Lipa – There was a very specific moment in this performance that I felt the course of this festival change from deep within my bones.

Dua Lipa performed her track “Scared to Be Lonely,” a track that she did the hook on for Martin Garrix. The way the song is structured is not unlike a lot of EDM these days, certainly Martin Garrix’s other work – the vocals almost serve as a bridge to the “hook” which is instrumental. And when her “bridge” dropped into his “hook,” in an instant, Bonnaroo felt like Coachella. And that’s where it’s going.

Bonnaroo and Coachella no longer have to be two completely different experiences because kids are separated from kids on the other side of the country the way there were 15 years ago. They are all on the internet and they all enjoy the same things and the same experiences.

The Dua Lipa performance – for me – was the moment that long, slow transition to Coachella became crystal clear. The festival built on wooks and Spreadnecks being able to come together over a shared love of Panic has crossed over into a pop festival that doesn’t have a curfew.

6. Sturgill Simpson – The best jam band at the festival built on jam bands was Sturgill Simpson. The last time I saw Sturgill tour, it was with a much larger band; I think there was a full horn section. This time out, it was a four piece. It really allowed Sturgill a chance to remind everyone that he absolutely wails on guitar. I think I’d forgotten that. And it was further evidence that Sturgill isn’t what a lot of the people that think they are his biggest fans want him to be and that he absolutely doesn’t care that he isn’t.

There have been times that it seemed like schtick; busking on Broadway and streaming it on Facebook Live, for instance. But at the core of what Sturgill has always done is that he’s done it the way he wants to do it and he’s an incredibly gifted musician. That shone through much brighter with a smaller band in front of a massive audience.

5. Chic – Well, Chic with Nile Rodgers or whatever they’re calling it now. The entire band did a good half hour in the middle of the set of songs that Nile Rodgers wrote for other bands, including “Get Lucky,” “Like a Virgin” and “We Are Family.”

4. Grand Ole Opry – The Grand Ole Opry has been on the air for 92 years. My grandparents loved it – it was probably the only music they really listened to then. So it was cool to be a part of this first union of the thing that made them love music and one of the things that I’ve loved most about music for the past decade. It was also a brilliant idea; what usually serves as commercial time for announcer Bill Cody, instead served as an advertisement for the storied institution. It was a way to show a young audience that this really cool thing still exists. And bringing people like Bobby Bare and Del McCoury to the same stage as Nikki Lane and Joshua Hedley furthered that mission.

3. Eminem – This performance has been grossly overshadowed by what people were calling “gunshot sounds” that were heard during the performance. Eminem’s publicist released a statement saying that the sounds were actually “pyrotechnic concussion” sounds. And I totally buy that. The only thing about the sound that was alarming was its volume. It was five times louder than the fireworks were that night. No gunshot is that loud. It could (and probably should) have been left out because that reaction should have been expected. But a much bigger deal is being made of it than should be.

What we should be focusing on in this performance is the way that a specifically 1999 performer managed to gracefully and artfully mature without pretending that the version of himself that made him a household name never existed.

He performed his latest single, “Nowhere Fast,” which has recently been updated to include lyrics about Marjory Stoneman Douglas High School. It waxes poetic on – get this – gun control. Yeah, the guy that wrote “Kill You” no longer likes violence or wants to stick nine inch nails through each one of his eyelids. It also includes these lyrics:

But I’m devising this rhyme, cause I’m awake in your mourning;

That’s why I rise and I shine, like a new day has dawned on me;

Gusto guts bravado, nuts and plus I kick up dust and cuss a lot;

I must’ve got you in somewhat of a debacle;

Plus some stuff that’s awful;

Really don’t mean nothing, although;

There’s a lot of shit I said in jest that’s tough to swallow;

But if at times, my heart it seems;

Like it’s the wrong place, it’s because it’s on my sleeve;

Keanu Reeves, speed of light avoid it, veer or just steer towards it;

We’re only looking forward, but where we’re going, we have no idea

Shortly after that performance, the other rapper on stage went into some typical festival diatribe, “How many of y’all are getting [expletive] up tonight?”

And Eminem replied, “Man we used to get [expletive] up! Here are some of those songs we sang when we used to get [expletive] up.”

The two then did a minute of the three Slim Shady songs each. And encored with “Lose Yourself.” I imagine figuring out a way to evolve into 2018 is incredibly difficult for someone that’s success came between 1998-2001. It’s an entirely different world. When we were leaving, a 17-year-old kid was talking about how awesome the show was and he says, “Man, I know all of those lyrics.”

To which my friend replied, “But, like, you have no idea who Tom Green is or why that was funny to us, right? Like, let me tell you about Tom Green. We thought he was HI-LARIOUS.”

And the kid says, “No. No idea. But that must have been amazing to hear all of that for the first time when it came out.”

It was. And in 2008, “Love the Way You Lie” was released – Eminem’s first reinvention – at the exact moment I needed it in my own life. There’s a cynical side of me that thinks, “How thin is the line between Eminem being Everlast?” But then there’s the reality than Eminem struggled with an abusive relationship and addiction, he used his art to express all of those emotions – however gritty, raw and dated a lot of it is now – and he’s still reinventing himself 20 years later.

I hope it’s the beginning of a next act.

2. The Killers – The Killers are the last great rock band. They’re one more great record away from being in the Rock and Roll Hall of Fame. They’re from Las Vegas and it’s probably why they know how to put on a show. I unapologetically love this band; they’re one of the best America has ever given the rest of the world. I hope their momentum continues forward and we’re beyond that “Human” debacle.

Oh, and another thing: I’ve never in my life seen teens go as buck wild as they did when The Killers opened their set with “Mr. Brightside.” Bananas.

1. SuperJam – I may be placing SuperJam too high, but at this point I’ve seen so many shows that I tend to weight things heavily toward things I will never see again. It was a tribute to Tom Petty, with the house band being My Morning Jacket’s rhythm section and Pat Sansone from Wilco and some other dudes.

Sheryl Crow covered “American Girl” with them. Vanessa Carlton covered “Learning to Fly.” Hayley Williams from Paramore, Matt Schultz from Cage the Elephant, The Wild Feathers, Langhorne Slim, Rayland Baxter, Japanese Breakfast, David Shaw of the Revivalists, Justin Vernon of Bon Iver, Amelia Meath of Sylvan Esso, Moon Taxi and a ton more. It was just a really well done tribute on minimal preparation, short of the two dudes that didn’t know the lyrics to “Refugee.” And I don’t know what their name was. Those guys were terrible. Even Danny Clinch taking extended harmonica solos that were totally unnecessary wasn’t terrible. The bros that sang “Refugee” were.

But the rest was an amazing cool night on the farm. That was my eighth, and I’m getting old. And each year you think aloud to no one, “Maybe that was the last one for me,” but each year – even this year, when one of the least impressive lineups in the history of the festival on paper came out – I get sucked right back in.

3 comments on “Where Bonnaroo is Going, Whether You Like it or Not

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Artist Name
Jackie Greene
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Jackie Greene (born Chris Nelson on 27 November 1980 in Salinas, California) is an American singer-songwriter playing folk or roots rock music. He released his first album in 2002 and, in 2005, signed with a major record label, Verve Forecast. In March 2013 he began performing as a member of The Black Crowes. Greene was interested in music from an early age. As a child, he taught himself to play the piano and subsequently the guitar. At 16 he started sitting in for local bands. As he got older he started composing his own songs and ended up playing in coffee-houses. He recorded a demo in his garage called "Rusty Nails". When he was 17 he moved to Sacramento and started getting local notice. Marty DeAnda owner of local label DIG Records, noticed him and Greene became the label's first artist. Jackie released his second CD "Gone Wandering" in 2002; winning him a California music award as Best Blues Roots album. In 2004 he released "Sweet Somewhere Bound" and received radio play with singles"Honey I Been Thinking About You" and "Seven Jealous Sisters". In early 2005 Greene got signed with blues label Verve Forecast and the label released "Sweet Somewhere Bound". In 2006 he released "American Myth" his first major label release. Subsequent albums include Giving Up the Ghost (2008), Small Tempest (2009), Till the Light Comes (2010). In March 2013 Greene began performing as a member of The Black Crowes.

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Epsidode 15 – EFI and first start

After all the pipes and hoses, one could think that the moment of a first start comes closer. Well, actually the turbo oil circuit didn’t have a pressure regulator yet and the spring in the engine oil pressure regulator was just to weak. Time to machine another pressure regulator into the oil pump housing for the turbos and get a new spring for the pressure regulator in the “see-through” engine oil filter.

We are now able to adjust the oil pressures individually and hope to keep the engine and turbos healthy from a lubrication point of view. Cranking the engine on the starter showed a good build-up of oil pressures, so that this should do the job.

The cardboard model from the previous episode had to be converted into a more fuel resistant version, integrating the fuel tank and the oil tank for the turbos into one piece.

What are we missing for the first start? We gonna need some kind of engine controller for the ignition and fuel delivery to the engine. The devoted followers of this blog will now state that this will all happen with an electronic engine management system or electronic fuel injection (EFI) as it is commonly called. But how does it work, what does it need and could you custom build one of these by yourself?

EFI – How does it work?

Let me start with a small introduction …

The basic principle to get a piston engine to work is pretty simple, should this be your lawn mower or a high displacement alcohol fed pulling engine in our case. Get air and fuel into the combustion chamber, ignite it at the right moment … repeat this process periodically and your engine runs. The trick is, to get the right amount of fuel, matching the amount of air in the combustion chamber, and the timing of the ignition right. For decades all this was done with purely mechanical systems. Carburetors for fuel metering are still around and basically just work on the Venturi effect.

source: RevZilla

The air aspirated by the engine flows past a nozzle and fuel is pulled with the air into the engine. The size of the nozzle defines the amount of fuel, compared to the amount of air passing your carburetor. The problem with carburetors is, that they become quite complex with large amounts of fuel and air. A solution, which is still quite common in racing, mainly drag racing and tractor-pulling, are mechanical fuel injection systems. The basic idea is, that your engine aspirates a defined amount of air per revolution, defined by the engine displacement. So why can’t we just fit a mechanical fuel pump with a defined displacement per revolution, drive it by the engine and just feed the right amount of fuel per revolution. Sounds simple and works …

… carburetors and mechanical fuel injection systems with their very basic principles have one common enemy … physics, or more precise: fluid mechanics and thermodynamics. Air will just not flow ideally through a pipe with bends, restrictions, sharp corners, … and the amount of fuel your engine needs is not defined trough a volumetric ratio but by a mass ratio. So you need to know the mass of air going into your engine and add the right mass of fuel. As everybody knows from basic physics, the mass to volume ratio of a gas, like air, changes with temperature and pressure … engines tend to get hot, when you compress air with turbos or a supercharger the pressure and temperature rises and air will not freely flow trough a cylinder head with it’s restrictions and past the valves …

… I think you get the point. A good fuel metering system needs to compensate for all these changes in the different operating conditions of an engine. Mechanical systems then tend to become very complex.

*stop it* … this is not a post about carburetors and mechanical fuel systems 😉

What about the ignition timing? That’s an easy one. Basically you just take an electric transformer and connect it with it’s low voltage side to a DC power source. The transformer will store electric energy in a magnetic field. When you open the circuit from the DC power supply, the energy from the magnetic field will discharge over the transformers high voltage side and create a spark at your spark plug to ignite the air/fuel mixture in the combustion chamber. The easiest and a common way since more then a century to switch on and off this transformer (called an ignition coil) is a mechanical switch, operated by a lobe on the engines crankshaft or camshaft and opening the circuit in the desired ignition moment.

If you are running an engine with multiple cylinders, the energy on the high voltage side of the ignition coil is distributed to the individual cylinders by a so called distributor. Handling high voltages in a mechanical distribution system is always fun … *sarcasm off*

So, why should you use an EFI system, when there are well proven and simple solutions? It makes adjusting and tuning your engine just so much easier. A good example are the oil pressure regulators in the beginning of this post. When I want to change any settings or their behavior, it can do this in a small range by turning the adjusting screws, otherwise I have to disassemble it, change the spring, piston diameter or orifice diameters, reassemble it and fine tune everything with the screw. Of course, this is feasible, but time consuming.

Let’s have look how an EFI system does fuel metering and ignition timing. Fuel metering is done through the electric injectors, which are basically just electromagnetic valves. Electric injectors are defined by their flow rate, we are using cm³/minute or thousands of a liter per minute. When you know this flow rate, you can set the exact fuel quantity injected into your engine by opening the injectors for a defined amount of time. On the ignition side, nothing changes, except that the on/off-switching of the ignition coils isn’t done with a mechanical but with electronic switches (MOSFETs or IGBTs), as are the injectors. To avoid a distributor, every cylinder gets his individual ignition coil.

All the magic happens in the engine control unit (ECU). The ECU in it’s basic functions is a simple micro-controller as it can nowadays be found in virtually any device with a battery and more then two push buttons. The micro-controller triggers the injectors and ignition coils based on some basic measurements:

  • Intake air temperature
  • Engine temperature (usually coolant temperature)
  • Manifold air pressure
  • Throttle position
  • Crankshaft position

The ECU knows the engine’s displacement and can calculate the air mass for each engine cycle, since it knows the pressure and temperature of the aspirated air. Additionally you enter the injectors flow rate and your desired air/fuel ratio (14.7:1 for gasoline, 6.9:1 for methanol) and the ECU opens the injector the right amount of time for every engine cycle.

To know the engine speed and position, the ECU relies on a teethed trigger wheel. The wheel misses two teeth, so that the ECU can define the position of the engine and for the rest just counts teeth to the next ignition event.

To get your engine running, that is basically it. Wire everything togther, set your engine and injector parameters up, and you are good to go.

When you have read some or all of our episodes and came to this point in the current episode, you will have asked yourself if we have just bought an EFI system of the shelf or came up with a home brewed solution …

.. you are right, we made everything ourselves. Ignition coils are used ones out of a Mercedes car, injectors come from China and sensors were either parts lying around in the workshop from previous projects or easy available ones from a big online marketplace. The ECU is based on the open-source Speeduino project (www.speeduino.com) and a PCB developped by Krzysztof from Seaside Customs in Poland. Time for some SMD soldering 😉

Tuning of the ECU is done via TunerStudio, usually used in MegaSquirt systems (lots of expensive, freely programmable EFI solutions are based on these).

A problem with automotive sensors is usually that you don’t find their exact specifications and you have to find a way to figure these out. Temperature sensors for example need a 3-point calibration, since they are changing their electrical resistance with temperature in a non-linear way. Let’s assume ambient temperature with 23°C, then we just need to other points. Mother nature came up with two neat temperature points, everybody can recreate. Water changes it’s state from liquid to solid at 0°C and goes from liquid to vapor at ~100°C (have to love our temperature scale 😉 ) Time to boil some water, put your sensors in, and repeat with ice water. Note the individual resistance values and you are done. No need for fancy test equipment.

After everything was together, time to crank it …

We had checked the correct ignition timing before, but the engine just kept doing single pops and then lost the crankshaft signal. After checking all signals and the correct function of the ECU, we found the solution in a faster cranking speed.

We didn’t really adjust the fuel pressure before, so that the fuel pressure went a little high after the mechanical fuel pump started feeding, resulting in a really rich setting. Amazing, how fast you can transform 6-8 liters of methanol into noise an this distinctive sweet smell 😉

As one can see, we were not really prepared for a start, but were able to check all oil pressures and are happy that these came out just as expected … thanks to the homemade pressure regulators 😉

Now that the engine is running, comes the time for all the fine tuning of the ECU, but I think we will cover this in another episode. The drive line and gearbox are in the making, but we decided to take our time and not finish everything in a hurry, just to get to a pull this year. We wouldn’t be pleased with the result of that kind of work and prefer to start well prepared in the next season.

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Badass Wolves Teeth Charm Necklaces

  • Product Description

      This wonderful white wolf tooth necklace is inspired by the necklace Bruce Lee once wore. It is made of Titanium Steel making it extremely durable while also meaning that it will not corrode or change color over time. Each necklace is 45cm in length and the pendant is approximately 4.5cm x 1.6cm making it an awesome eye-catching piece to add to your collection.

      The pendant is designed in the shape of a wolf that surrounds a white tooth adding to the epic look of the accessory. Purchase it today and you will not only have the option to track your item but it will also come with our delivery guarantee. If you order today, we will even pay for the shipping to you. We are happy to exchange or refund any products that you wish to return to us at no extra cost.

      White Wolf Tooth Necklace Specs

      • Amazing Design That Makes This An Awesome Accessory To Add To Your Wardrobe.
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      • You Won't Have To Pay An Extra Cent For Shipping With Online Orders From The Black Ravens.
      • Any Items You Purchased Can Be Returned For Whatever Reason and We Will Happily Replace Or Refund You On Our Behalf.

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       We are a USA based company with suppliers around the world, allowing us to ship internationally. Because of this, we have opted to use international sizing for our products. Although this may have caused some issues in the past, it is very simple to convert our international sizes to the sizes used in your country. To do this, please convert the size to your countries size using the following charts.

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Asset Conversion Loan – Definition

Cite this article as:"Asset Conversion Loan – Definition," in The Business Professor, updated October 7, 2019, last accessed October 22, 2020,

Asset-Conversion Loan Definition

This is a short-term loan that is paid for by selling an identified asset (such as inventory).  They are common with seasonal businesses that take out these loans to pay for inventory to be sold in a specific period, such as holiday apparel.

A Little More on What is an Asset-Conversion Loan

Take the example of a merchant selling fireworks near the 4th of July. Of course, she must purchase all of her inventory well in advance of this date to make certain she has adequate supply. She may not, however, have the funds to purchase enough inventory. She may take out an asset-conversion loan. She pays the loan back immediately upon sale of her inventory (after the 4th of July). The loan will generally be secured by the inventory with a specific provision requiring payment upon sale of said inventory or at a date relevant to sale of the inventory.

Reference for “Asset-Conversion Loan” › Investing › Financial Analysis

Academic research on “Asset-Conversion Loan”

Asset‐based policy in rural China: an innovation in the retirement social insurance programme, Guo, B., Huang, J., Zou, L., & Sherraden, M. (2008). Assetbased policy in rural China: an innovation in the retirement social insurance programme. China Journal of Social Work1(1), 63-76. In response to growing rural–urban inequality, China is undertaking a series of policy initiatives to promote rural development. In addition to redistributive policy aiming at social protection, asset‐based policy, which integrates social protection and social investment, are a viable option for progressive rural development. In 1998, the Hutubi local government in Xinjiang, China, implemented an innovative retirement programme that allows account holders to use accounts as legal collateral to borrow small loans and invest in productive assets, education, and small businesses. Using the data gathered by the programme organizers and in‐depth interviews with programme participants, this case study closely examines the Hutubi programme. We examine the programme’s key features, which have effectively encouraged asset building in a rural community, and identify the programme’s strengths and weaknesses. The success of the Hutubi programme has implications for asset‐based policy development in rural China.

Models and solution techniques for cash flow management, Golden, B., Liberatore, M., & Lieberman, C. (1979). Models and solution techniques for cash flow management. Computers & Operations Research6(1), 13-20. Cash flow management is a financial problem encountered by companies and consumers alike. It involves the efficient management of cash, short-term investments and short-term loans. In recent years, with such a high rate of inflation and the resulting high levels of interest rates and high cost of idle funds, this problem has become increasingly important. In this paper, we formulate the cash flow problem as a network optimization problem. Our model provides more visual insight than previous models, is very flexible and can be solved very efficiently. Several examples and computational aids are discussed in detail.

Innovation in finance and movement to client‐centered credit, Von Pischke, J. D. (2002). Innovation in finance and movement to clientcentered credit. Journal of International Development14(3), 369-380. Progression from product‐centred to client‐centered lending is made possible by innovation, which is by definition cost‐reducing. Innovation in finance occurs in three ways: lengthening term structure, reducing transaction costs, and refining valuation processes. Each of these involves risk. The Thesis Statement is consistent with observed market behaviour but may be criticized for insufficient attention to risk as part of the mechanics of the progression it portrays. As is rapidly occurring in the US, personal credit in other countries will move toward being based almost entirely on empirical probability and hence client‐centered as foreseen in the Statement. In the meantime, the market for money progresses at various speeds from being product‐centered to being client‐centered. When this progression is complete, marketing will be as strategically important as risk management. To the extent that marketing is thought, prematurely, to trump risk management as the key to success, and to the extent meeting client ‘needs’ is viewed as the primary objective, attempts at innovation are likely to fail. When this failure occurs, the social and economic benefits of denying loans will be foregone, hindering development. Questionable projects with problematic sponsors and improper financing will be taken on, limiting growth. Copyright © 2002 John Wiley & Sons, Ltd.

Credit Management, Lee, W. F. (1983). Credit Management.

Understanding effective cash management, Reider, R. (2005). Understanding effective cash management. Journal of Corporate Accounting & Finance17(1), 7-15. To really be effective at cash management, you must look at many different operational areas in your company. The author presents a valuable how‐ to guide so you can understand and master effective cash management technique.

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Balanced Fund – Definition

Cite this article as:"Balanced Fund – Definition," in The Business Professor, updated June 12, 2019, last accessed October 22, 2020,

Balanced Fund Definition

A balanced fund merges a bond component, a stock component, and occasionally a money market component all in one portfolio. Usually, these hybrid funds stick to a somewhat fixed mix of bonds and stocks which shows either moderate equity, or higher equity, conservative, or higher fixed-income, or moderate, component orientation.

A Little More on What is a Balanced Fund

Balanced funds are directed towards investors in search of a blend of income, safety, and modest capital appreciation. The amounts this mutual fund type invests into each class of asset typically must remain within a specified minimum, as well as, maximum.

Despite the fact that they belong to the “asset allocation” family, balanced fund portfolios don’t engage in a material change of their asset mix. This is different from target-date, life cycle, and asset-allocation funds that are actively managed, which change in reaction to the changing risk-return appetite of an investor and age or general investment market conditions.

Balanced funds are favored by investors with dual investment objectives. Usually, investors or retirees with low-risk tolerance use these for growth which surpasses inflation and income which augments current needs. While retirees, in general, scale back risk as they grow older, many people feel equity exposure is needed as expectations in life increase. While a balanced fund’s equity holdings tend to rely on large, big companies that pay a dividend, those issues usually offer long-term total returns which track the S & P 500 Index. Based on history, inflation has averaged approximately 3%, while the S & P 500 averaged approximately 9.8% between 1928 and 2014. Equities prevent purchasing power erosion and help in ensuring the long-term maintenance of retirement nest eggs.

A balanced fund’s bond component serves two functions: tempering portfolio volatility and creating a stream of income. Investment-grade bonds like U.S. Treasuries and AAA corporate issues offer interest income from biannual payments, while stocks of large companies provide quarterly dividend payouts in order to improve yield. In a bid to bolster income from personal savings, government subsidies, and pensions retired investors might take distributions in the form of cash.

Secondarily, Treasuries and bonds are less volatile than stocks. Bondholders have a claim against a company’s assets while stocks typify ownership, bearing every inherent risk supposing bankruptcy occurs. Therefore, prices of debt security don’t move in synchronization with equities, and wild swings in a balanced fund’s share price are prevented by stability.

Because balanced funds hardly have to change their mix of bonds and stocks, they tend to have lesser total expenses. The Vanguard Balanced Index Fund, for instance, has a 0.19% expense ratio. Furthermore, because have an automatic way of spreading an investor’s money across various stock types, they reduce the risk of choosing the wrong sectors or stocks. Finally, balanced funds for retirement permit the periodic withdrawal of money by investors without adversely affecting the asset allocation.

Example of a Balanced Fund’s Performance

The Vanguard Balanced Index Fund got a below-average risk rating from Morningstar with a reward profile that’s above average. Through ten years which ended in February 28, 2018, the fund, holding approximately 40% bonds and 60% stock, has made an average return of 7.51% with a trailing twelve-month yield of 2.08%.

References for Balanced Mutual Fund

Academic Research on Balanced Mutual Fund

Mutual fund performance, Sharpe, W. F. (1966). The Journal of business, 39(1), 119-138.

Measuring mutual fund performance with characteristic‐based benchmarks, Daniel, K., Grinblatt, M., Titman, S., & Wermers, R. (1997). The Journal of finance, 52(3), 1035-1058.

Momentum investment strategies, portfolio performance, and herding: A study of mutual fund behavior, Grinblatt, M., Titman, S., & Wermers, R. (1995). The American economic review, 1088-1105.

Mutual fund herding and the impact on stock prices, Wermers, R. (1999). the Journal of Finance, 54(2), 581-622.

Can mutual funds outguess the market, Treynor, J., & Mazuy, K. (1966). Harvard business review, 44(4), 131-136.

Performance evaluation: A case study of the Greek balanced mutual funds, Artikis, G. P. (2003). Managerial finance, 29(9), 1-8.

The value of active mutual fund management: An examination of the stockholdings and trades of fund managers, Chen, H. L., Jegadeesh, N., & Wermers, R. (2000). Journal of Financial and quantitative Analysis, 35(3), 343-368.

Efficiency with costly information: A study of mutual fund performance, 1965–1984, Ippolito, R. A. (1989). The Quarterly Journal of Economics, 104(1), 1-23.

On the timing ability of mutual fund managers, Bollen, N. P., & Busse, J. A. (2001). The Journal of Finance, 56(3), 1075-1094.

The small world of investing: Board connections and mutual fund returns, Cohen, L., Frazzini, A., & Malloy, C. (2008). Journal of Political Economy, 116(5), 951-979.

Mutual fund systematic risk for bull and bear markets: an empirical examination, Fabozzi, F. J., & Francis, J. C. (1979). The Journal of Finance, 34(5), 1243-1250.

Explaining the size of the mutual fund industry around the world, Khorana, A., Servaes, H., & Tufano, P. (2005). Journal of Financial Economics, 78(1), 145-185.

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Consolidated Financial Statements – Definition

Cite this article as:"Consolidated Financial Statements – Definition," in The Business Professor, updated January 10, 2020, last accessed October 22, 2020,

Consolidated Financial Statements

Consolidated financial statements refer to a parent company’s combined financial statements and its subsidiaries. They present an overall look at the parent company’s financial position, including its subsidiaries. It also shows a real picture of the entire group of companies’ overall health as opposed to a standalone position of one company.

A Little More on What are Consolidated Financial Statements

The construction of a consolidated financial statement requires a considerable amount of effort because they must not include the impact of any given transactions between entities under report. What this means is that, if there is any sale of products between a parent company’s subsidiaries, it must be removed from the consolidated financial statements.

An intercompany elimination might also occur when the parent company pays interest income to subsidiaries because it is using its money to invest. Such interest income must be eliminated in the consolidated statements.

The consolidated financial statements typically report the total of separate legal business entities. Note that a parent company can function separately from its subsidiaries. As they operate independently, each one of them prepares and reports its financial statements.

However, since subsidiaries form a single economic entity, a consolidated financial statement is always beneficial to people, such as regulators, investors, and customers, for it enables them to gauge the entity’s overall position quickly.

Consolidation Example

Let’s assume that XYZ Company is an international company and has a revenue worth $5,000,000 and assets worth $3,000,000, which appears in its financial statements. However, the XYZ as five subsidiaries under its control, which happens to have a revenue worth $50,000,000 and assets worth $82,000,000. In this case, it will a very misleading idea to only show the financial statements the parent company, whereas its consolidated results disclose that the company is worth $55,000,00 and controls assets of approximately $85,000,000.

Consolidated Financial Statements Preparation Basic Procedure

There are two fundamental procedures to follow when preparing a consolidated financial statement. First, you must cancel every item accounted for as a liability to another and an asset in a single company. After that, you are free to add all the things not canceled. Note that there are two major types of items in the financial position’s consolidated statement that cancel each other out.

  • We have an investment in subsidiary companies. This investment is considered an asset in the parent company, and it is usually canceled out by what we call “share capital,” which is an account in the statement of a subsidiary. In this case, only the shares capital of the parent company will be in the consolidated report.
  • Also, the payables of one company undergo cancellation by another company’s receivable, if trading between different companies in a single group takes place.

Consolidated Statement of Income

When it comes to the consolidated statement of income, what you reis only reported is the expense and income activity from outside of the economic entity. If a parent company earns revenue, it becomes a subsidiary’s expense left out from the financial statements.

The reason is that there is $0 in the financial statement’s net change because the revenue realized from one legal business entity counterbalances expenses in another. The move prevents overinflation.

Consolidated Balance Sheet

Here there is the elimination of certain account receivables as well as account payable balances from the consolidated balance sheet. The amount that has been removed relates to the amount owed from or to subsidiary entities or parent company. It reduces the balances reported because the net effect is $0. All receivables, cash, including other assets, are indicated on the consolidated statements, and the entire liabilities owed to eternal business entities.

Requirements for Reporting

The preparation of consolidated financial statements must use a similar accounting method across all the subsidiary entities and the parent company. If possible, the subsidiaries and the parent company must be accounted for using the GAAP (generally accepted accounting principles), if the consolidated financial statements are not as per the GAAP.

All subsidiary equity accounts, like retained earnings and common stock, must be removed. A non-controlling interest account, if not wholly-owned, may be used in the subsidiary. Also, during the preparation of consolidated financial statements, you should adjust the subsidiary balance sheet accounts to financial assets’ current fair market value.

Ownership Calculation Methods

There are three ways of calculating ownership interest between companies. Companies that are included are in the consolidated financial statements are those that they own. If a company owns below 20% of the stock of another company, it uses the cost method to report its finances. If the company owns above 20%, but below 50%, it can use the equity method to report its financial status. Note that consolidated financial statements are no allowed under both models.

Reference for “Consolidated Financial Statements › Investing › Financial Analysis…/financial-statement…/consolidated-financial-st……/what-are-consolidated-financial-statements.html

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Jeffrey Adam Weissman, a lawyer based in Boca Raton, FL whose primary area of practice is Matrimonial Law, has earned the AV Preeminent® rating from Martindale-Hubbell®

BOCA RATON, FL, August 24, 2018 /24-7PressRelease/ — Martindale-Hubbell® has confirmed that attorney Jeffrey Adam Weissman still maintains the AV Preeminent Rating, Martindale-Hubbell’s highest possible rating for both ethical standards and legal ability, even after first achieving this rating in 2004.

For more than 130 years, lawyers have relied on the Martindale-Hubbell AV Preeminent® rating while searching for their own expert attorneys. Now anyone can make use of this trusted rating by looking up a lawyer’s rating on or The Martindale-Hubbell® AV Preeminent® rating is the highest possible rating for an attorney for both ethical standards and legal ability. This rating represents the pinnacle of professional excellence. It is achieved only after an attorney has been reviewed and recommended by their peers – members of the bar and the judiciary. Congratulations go to Jeffrey Adam Weissman who has achieved the AV Preeminent® Rating from Martindale-Hubbell®.

Jeffrey Adam Weissman commented on the recognition: “The Martindale-Hubbell AV Preeminent Rating is a credential highly valued and sought after in the legal world. It used to be a sort of secret among attorneys who used the rating as a first screen when they needed to hire a lawyer they did not personally know. Now, thanks to the Internet, the Rating is a great way for anyone – lawyers or lay people – to use to screen lawyers. I am thankful to my peers who nominated me for this distinction, and proud to have earned this, the highest possible Martindale-Hubbell rating.”

About Jeffrey Adam Weissman: a short profile by and about the honoree:
Mr. Weissman is Principal of the law firm of Gladstone & Weissman, P.A. He is a graduate of the University of Pennsylvania Law School (J.D., 1994) and is Board Certified in Marital and Family Law. He is a Supreme Court Certified Family Law Mediator recently recognized as a 2019 Family Law Mediator by The Best Lawyers in America. Mr. Weissman limits his practice to complex matrimonial and family law cases. His clientele is comprised of many successful entrepreneurs, business owners and executives, doctors, lawyers, television personalities, and professional athletes.

The plaque shown here commemorates Jeffrey Adam Weissman’s recognition.

To find out more or to contact Jeffrey Adam Weissman of Boca Raton, FL, call 561-447-2274, or visit

As a result of this honor, American Registry LLC, has added Jeffrey Adam Weissman to The Registry™ of Business and Professional Excellence. For more information, search The Registry™ at

This press release was written by American Registry, LLC, with approval by Martindale-Hubbell as well as approval and/or contributions from Jeffrey Adam Weissman.

Contact Information:
Jeffrey Adam Weissman
Phone: 561-447-2274
Email Address: [email protected]

For the original version of this press release, please visit here


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The Cloud Consultancy Europe Ltd.
+44 (0) 203 637 6667 [email protected]
A new crypto-ransomware type was recently discovered using an uncommon distribution method. Dubbed as “Locky” the ransomware variant infiltrates system through a malicious macro found in a Word document. While ransomware that relies on macros have been rarely seen, the distribution technique could be linked the notorious banking malware DRIDEX, which uses similar methods.

Locky gets into victims’ systems through email masquerading as an invoice with a corresponding attached Word document that’s laced with malicious macros. According to researchers, the subject line of the email reads: ATTN: Invoice J-98223146 with a message that says, “Please see the attached invoice (Microsoft Word Document) and remit payment according to the terms listed at the bottom of the invoice.”

Given its dangerous nature, macros are disabled by Microsoft by default. Enabling macros, as their security bulletin notes, “makes your computer vulnerable to potentially malicious code and is not recommended.” When macros are enabled and the downloaded document is opened, the installation of the malware begins. Otherwise, the unknowing victim will see lines of incomprehensible text that advises users to “Enable macro if the data encoding is incorrect”.

Locky’s malware executable file is downloaded from a web server. Once installed, it begins looking for attached drives (including networked drives) and encrypts files such as documents, images, music, videos, archives, database, and other web application-related files. Encrypted files will be renamed and appended with a “.locky” extension. Much like other ransomware variants, a ransom note in varying languages is left in every directory that has been encrypted. The message directs victims to a Tor network to make payment in Bitcoins (0.5 BTC).

Researchers at Palo Qlto Networks have recorded 446,000 sessions involving this new ransomware, over half of which (54%) were detected to have affected victims in the United States. Trend Micro detects this ransomware variant as RANSOM_LOCKY.A . In addition to the United States, it is seen globally, including in countries as Japan, Germany, France, Italy, United Kingdom, Mexico, Spain, Israel, and India.

Closer analysis by our researchers also shows that aside from having the same macro downloaders, there appears to be similarities on how the DRIDEX and Locky macro downloaders are coded. Both use the same file name (ladybi.exe) when dropped to the system.

Further, our researchers have come across a link between Locky and other crypto-ransomware variants. Locky, CRYPTESLA, and CRILOCK are packed by the same packer. This could either mean that this tool is used by the same distributor, or that this packer is readily-available and accessible to different ransomware authors.

Ransomware infections remain a crippling and highly effective attack form used to extort huge profits from their targeted victims. One of the most notable incidents involves a highly publicized ransomware attack that paralyzed the systems and networks of the Hollywood Presbyterian Medical Centre for more than a week. The hospital’s administration later admitted to paying the ransom of 40 Bitcoins, or $17,000, to restore the affected systems. Earlier reports pegged the ransom at $3.6 million, which HPMC later corrected in an official memo.

Source: New feed