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Website Design

We do Responsive web design an approach to craft sites
to provide an optimal viewing and interaction experience.

Mobile App Design

We design apps with an emphasison the added
value and excel in material design.

Corporate Identity

A Business makes itself distinct through the image that it presents to the world,
we design it unique, pleasing appearance and identity.

Logo Design

Each work will be made from scratch
for matching your exact needs and best output.

Our creative brochure design team assesses your objectives,
We Design, Print and Deliver to your complete satisfaction.

Beyond web is a full-services creative web design & Development agency.
Specialized in Web, print and Apps, through the user experience.
We're bunch of Web designers, Developers, Artists and Illustrators.
All brought together by the belief that our ideas can change everything. We are small team. But big as an idea.
We are here to serve those who wish to do things differently.

  • Beyondweb did a phenomenal job. I would highly recommend the service. Every time we had an idea, Beyondweb found a way to implement it. We migrated from clunky platform.

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    Page Garment Exports

  • Beyondweb went though all of the data to make sure nothing was lost along the way. We are extremely happy with the platform and excellent work.

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  • Beyondweb was great. Our site was not an "easy build," as we had many complex design and functionality requests. Beyondweb tackled everything with enthusiasm, insight, and expertise. the response time and follow up was immediate.

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  • Beyondweb completed the project on schedule, and well within budget.they provided support for our site since go live, and is a valued business partner.

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  • We fielded questions from variety of issues and Beyondweb are very good at solving with reasonable suggestions or workarounds when needed. team is extremely knowledgeable and understands how businesses work - which was invaluable. look forward to working with them on future projects.

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  • Finding a good web designer and development company is great challenging for a small business. I was extremely fortunate to find Beyondweb to create an ecommerce for us.

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  • When I need something altered, it's as simple as logging on and doing it myself within a couple of minutes. The flexibility and ease of use means I can add and change things on our CMS websites it ease of use.

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  • Beyondweb have helped me to have a professional sleek look at an affordable price. Being able to have control over content is a must and make this so easy and are always there when you need a hand.

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  • Beyondweb was so professional with the approach and ideas, and with input from ourselves the team came up with a website that we are very proud of...

    Vinu Varghese, Managing Director
    Keinen Techne Solutions Private Limited

  • The team at Beyondweb are very helpful and proactive in responding to any queries or changes we may have required. we recommend to any other business who seek to reach a wider market.

    Pradeep.K, Managing Director

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Google AdWords - SEO

For sale by Social Media MEMBER 3 Oct 11:49 amLalbag, Dhaka

Tk 2,000

• Google AdWords marketing has the potential to bring relevant website traffic to your site from customers who are looking for businesses like yours. We offer Google Adwords in Bangladesh!
• We can assist your business with creating and maintaining Cost-Per-Click (CPC) marketing campaigns with Google through their popular AdWords system.
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An individual instance of Asclepias tuberosa (butterfly milkweed)
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Asclepias tuberosa

sec. Gleason Cronquist 1991

common name: butterfly milkweed
family: Asclepiadaceae
Identified 2004-07-17 by Steven J. Baskauf

Keri Drive, Pleasant View, Cheatham County, Tennessee, US
Click on these geocoordinates to load a map showing the location: 36.38375°, -87.00727°
Coordinate uncertainty about: 10 m.

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Gleason Cronquist 1991 =

Gleason, Henry A. and Arthur Cronquist, 1991. Manual of Vascular Plants of Northeastern United States and Adjacent Canada. The New York Botanical Garden, Bronx, NY, US.

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February 2008 University of Louisville Top Blawgs

  1. Edited by Nancy Soonpaa, Mark E. Wojcik, Judith D. Fischer, Dustin Benham, Lori D. Johnson and Kristen E. Murray.
  2. Covers property law, land use and environmental law.
  3. Professor at Louis D. Brandeis School of Law.
  4. Publicizes appearances of Louis D. Brandeis and John Marshall Harlan on the web and in the media. By Scott Campbell.


text:
Euro 2012: Why Greece Match Could Be an Omen of Trouble for Germany

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Euro 2012: Why Greece Match Could Be an Omen of Trouble for Germany
Shaun Botterill/Getty Images

On Friday night, Germany defeated Greece 4-2 in the second quarterfinal of Euro 2012.

The scoreline does not quite tell the story of how one-sided the action was in this match, as Germany commanded play seemingly from first whistle to last.

While this dominance is a great testament to the Germans' talent, though, the match could be seen as a cause for concern for their fans.

Why?  I'm glad you asked.

Again, Germany thoroughly dominated the match against Greece, possessing the ball at a 66 percent rate and having the ball in the Greek final third for mass amounts of the match.

Through this relentless attack, they did net the ball on four different occasions.  However, this number causes the German finishing touch to flatter to deceive.

Throughout the match, Germany peppered the Greek net with 24 shots, 14 of which were on target.  Yet, of the eight saves by keeper Sifakis, only a few of them were even above average.  The main culprit of this poor finishing was André Schürrle, who missed chances and wasted opportunities.

Even outside of those 24 shots, there were numerous occasions where the Germans seemed too intent on walking the ball into the net.  Despite his goal, Miroslav Klose was guilty of this over-elaborate play a few times, passing up good shots for errant passes.

Shaun Botterill/Getty Images

Now, of course, the German attack was filled with three new faces who were filling in for the resting starters, including the two players mentioned above.

Still, the problems faced today will not inspire good feelings about the possibility of these players coming off the bench in the semis or final.  This is especially true since the teams in those matches, undoubtedly, will be stronger.

For the most part, the German defense did not have much to do today, yet still gave up two goals.

To be fair, the second of the goals was conceded when Germany had a three-goal lead in the dying minutes of the match.  Hence, this one will be disregarded.

However, the first goal came in the 55th minute and tied the match up at a goal a piece.  It was a goal on the counter-attack, as a few nice balls saw the Greeks able to cut the defense apart and put the ball in the back of the net.

Perhaps the Germans had been lured into a false sense of security by the lack of Greek attack throughout the match, but Germany have shown a bit of vulnerability in the back throughout the tournament so far.

Additionally, Mats Hummels showed a problematic lack of pace, especially on one play where Gekas flew by him near the end of the match.

Shaun Botterill/Getty Images

Against more attacking sides, this may become an issue.

In a calculated gamble that seems to have paid off, German coach Jogi Löw sat his three attackers (Mario Gomez, Lukas Podolski and Thomas Müller) for the quarterfinal.

Clearly, this was an attempt to keep the three fresh for the team's semifinal and final encounters.

However, the last European championships give a strong indication that the plan may backfire.

In Euro 2008, all four groups had a nation that won their first two matches and clinched a quarterfinal berth before their third.  In each case, that team rested a portion of their players in their final group match in order to rest for the quarterfinals.

Of those four sides, three (Portugal, Netherlands and Croatia) suffered shock defeats in the quarters to sides that had earned qualification on the final day.  The fourth, Spain, had their toughest match of the tournament in the quarters as Italy held them to 0-0 before the Spaniards went through on penalties.

In theory, resting players at any point possible seems to be a great strategy, and Germany's usage of it at this stage in the competition does seem to give them a leg up on their semifinal opponent.

Joern Pollex/Getty Images

If the lessons of 2008 mean anything, though, it may be a decision the Germans live to regret.

For more information on Euro 2012 and more, follow me on Twitter: @Fw1812

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Drew Brees' Signing Is Start of New Beginning for New Orleans Saints

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Drew Brees' Signing Is Start of New Beginning for New Orleans Saints
Ezra Shaw/Getty Images

Drew Brees recently and finally signed a deal worth $100 million over 5 years to return to the New Orleans Saints. This will allow the superstar quarterback to attend training camp and help pave a new road for the franchise down in the Big Easy.

Already a savior for the franchise, bringing a Super Bowl and leading the charge that came after the devastating Hurricane Katrina, Brees is now set to begin a new era for the Saints. An era that could be even better than the one that came before.

The Saints, on all accounts, have certainly had a rough offseason. With the bounty allegations came the suspension of their general manager and revered coach Sean Payton, as well as a few key defensive studs on the roster (most notable Jonathan Vilma). All of these sanctions have seemingly left a black-eye on a revered franchise.

At the same time, many fans were wondering whether Drew Brees would sign a contract, with the franchise being unwilling to give him exactly what he thought he was worth. Thankfully, in the end, the Saints brass saw sense and gave Brees one of the richest contracts in NFL history.

Keep in mind, this contact is also front-loaded for the beginning years, which will really help the Saints out with cap space in a few years when they'll need it.

But this truly is another new beginning for the Saints team. With their beloved quarterback locked up and happy for the next five years, as well as an emerging superstar in Jimmy Graham, and a three-headed monster of running backs with Darren Sproles, Mark Ingram, and Pierre Thomas). And even with the suspensions, the Saints boast a talented roster on the defensive end. Saints fan should rest easy in the Big Easy. Don't count your team out just yet.

Are the Saints going to come back stronger this year?

Submit Vote vote to see results

Drew Brees is truly one of the great players and great guys in the entire NFL. Even without a coach, Brees will make sure this team is ready to go come the regular season. He's the type of guy that will work even harder to prove the doubters wrong and show the world just what this Saints team is capable of.

We all saw what happened during their first game back in the Superdome against Michael Vick's Atlanta Falcons. What a game that was! Truly one of the most inspiring football games of my generation.

There's no way we can fully predict what exactly will happen with the Saints in this upcoming season. But we can definitely expect them to bring it all. With Brees leading the charge, fans should only expect greatness.

The penalties are harsh and the world will be watching but there is definitely no reason we should count out a team led by Mr. Brees. With his legacy in question and the team he loves behind him, many eyes will be on him. And for that reason alone, he will sign brighter than ever and carry his team on his back.

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Lions vs. Bears: Disappointing Players Who Need to Step It Up

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Lions vs. Bears: Disappointing Players Who Need to Step It Up
Jonathan Daniel/Getty Images
If last year's games were any indication, this game between bitter rivals will be chippy and intense.

Monday Night Football in Week 7 features a matchup between two bitter NFC North rivals in the Detroit Lions and Chicago Bears. The Lions are 2-3 and riding some momentum after a 26-23 overtime win in Philadelphia in Week 6, while the Bears sit at 4-1 and had a bye week last week.

In this matchup, both sides have players who need to step it up in this key NFC North clash at Soldier Field.

The Lions made the playoffs last season for the first time since '99, but their performance in the early-going this year on both sides of the ball has been underwhelming at best.

The Bears, on the other hand, have been very impressive on the defensive side of the ball, forcing 17 turnovers and becoming the first team in NFL history to score five defensive touchdowns in the first five games. On the offensive side of the ball, Jay Cutler and his offense have been good enough to get by and usually start rolling once the defense makes a big play.

The Packers and Vikings both won in Week 7, putting the pressure on both teams to keep up and earn a crucial division win.

These four players must step up if their teams are to emerge victorious on MNF.

Earl Bennett, WR, Bears

Bennett has not played since Week 3 against St. Louis due to a hand injury. On the year, the fifth-year wideout has just six catches for 82 yards without a touchdown.

Jonathan Daniel/Getty Images
Bennett must be a force for Chicago on Monday night.

With Alshon Jeffery not playing in this game due to a broken hand he suffered in Week 5, Bennett must rekindle his connection with Jay Cutler (the two were teammates at Vanderbilt).

The Detroit secondary is mediocre and will likely be trying to double cover Brandon Marshall, giving Bennett the opportunity to find openings in coverage.

Many people expect Devin Hester to be the guy to step up in Jeffery's absence. However, it is Bennett, who possesses better receiving skills than Hester, who Cutler must find early and often.

In Bennett's one game against Detroit last year, a 37-13 win, he caught six balls for 81 yards. He must produce at a similar rate and possibly find the end zone.

Titus Young, WR, Lions

The second-year wideout from Boise State was expected to burst onto the scene with a breakout 2012 campaign, but he has not done that up to this point.

In five games, he only has 11 catches for 123 yards and a touchdown, which covered 46 yards and happened to come on a last-second fluky Hail Mary against the Tennessee Titans in Week 3.

Young has been battling through a knee injury and must be commended for that, but he was expected to be the team's No. 2 wideout this year. He has more burst and potential than fellow wide receiver Nate Burleson, but Burleson has outplayed Young, snagging 26 passes for 224 yards and two touchdowns.

Frederick Breedon/Getty Images
This miracle play has been Young's lone highlight of the season.

Young must step it up in this game, as the Bears will certainly be keying in on Lions' star receiver Calvin Johnson.

In Young's second game against the Bears in 2011, he had seven receptions for 74 yards. Given his recent play, those would be lofty numbers to achieve tonight. If Young can manage four catches for 50 or so yards and a touchdown, it will divert some attention from Johnson and make the Bears worry about covering him.

Gabe Carimi, RT, Bears

The 29th overall pick in the 2011 NFL Draft, Carimi appeared in just two games in his rookie season, but has started every game up to this point in 2012 and been somewhat of a disappointment.

Carimi's run blocking has been praised, but he has struggled in pass protection. The Bears just parted ways with former first-round pick and fellow offensive lineman Chris Williams, so the spotlight will be on Carimi to prove that he is worthy of his first-round pick status.

He struggled in Chicago's Week 5 win over Jacksonville, as he was whistled for three penalties and surrendered a sack.

With a very strong Detroit front four, the Lions will surely be looking to get pressure on Jay Cutler and force him into bad decisions.

Carimi will open up big holes in the run game, but he has to withstand the heat from the Lions defensive line and give Jay Cutler time to find his weapons.

Which of these players is most vital to his team's success on Monday Night Football?

Submit Vote vote to see results

Ndamukong Suh, DT, Lions

Suh is a freak of nature on the field, but he isn't playing at quite the same level this year.

He has 2.5 sacks, 10 total tackles and no forced fumbles in five games. In a full rookie season in 2010, Suh had 10 sacks, 66 tackles and a forced fumble on his way to being named the NFL Defensive Rookie of the Year.

Suh is still on pace for a good number of sacks this season, but he must be more of a force if the Lions want to beat the Bears. Suh and the other members of the defensive line must play excellently to mask a porous Detroit secondary.

The Lions come into the game allowing 27.4 points per game (26th in the league). As good as the offense can be, an excellent Chicago defense will make it difficult for the Lions to win if they surrender 27 points Monday night.

For the Lions, it starts with Suh on defense. He must be disruptive and overpower the Bears linemen if the Detroit defense has any chance of slowing down the Chicago attack.

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If Lakers Don't Capitalize on Upcoming Cushy Schedule, Mike Brown Is Toast

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If Lakers Don't Capitalize on Upcoming Cushy Schedule, Mike Brown Is Toast
Stephen Dunn/Getty Images

The Los Angeles Lakers are looking like the Lost Angeles Clippers after the first five games, with their only win coming against the winless Detroit Pistons and some are already calling for Mike Brown's head. If the Lakers don't capitalize on their upcoming home stand he won't survive through Thanksgiving.

The Lakers are playing their next six at home and five of the six teams they play were not in the postseason last year. Here are the next six opponents and some thoughts on each game.

Golden State, Nov. 9

Stephen Dunn/Getty Images

The Warriors are a much improved team, but they are also without their star center Andrew Bogut, who is getting shut down for the next 7-10 days. Without Bogut the Lakers should have a tremendous inside advantage. Simply feeding Dwight Howard and Pau Gasol should be enough to win this game.

Sacramento Kings, Nov. 11

Stephen Dunn/Getty Images

The Sacramento Kings are once again a team that looks to be headed for the lottery and their offense is just awful. They can't shoot, as their effective field goal percentage is .443, the third lowest in the NBA. They only get to the charity stripe .174 times for every field goal attempt, which is 24th in the league.

When you can't make your field goals and you can't get to the line you can't score, and if you can't score you can't win.  The cure for the Lakers' struggling defense could well be the Kings' offense.

Plus with Thomas Robinson still suspended the Lakers don't have to worry about choking.

San Antonio Spurs, Nov. 13

Harry How/Getty Images

Obviously, this game is not going to be so easy. The San Antonio Spurs are one of the best teams in the Western Conference, but this could be a great opportunity for the Lakers to tip the scales on the season. If the Lakers can pull up to .500, evening out their record against the Spurs it would a huge morality lift.

This could be the game that late in the season is viewed as the turning point. It will be the Spurs fourth straight game on the road, so they should be a little tired. The Lakers need to take advantage of that.

Phoenix Suns, Nov. 16

Christian Petersen/Getty Images

Based on Basketball-Reference's SRS (a stat-based power ranking, and if you don't like it then talk to Nate Silver!) the Phoenix Suns are the fourth worst team in the NBA. If you can't beat the fourth worst team in the NBA at home you have no business entertaining notions of a championship.

Plus, wouldn't it be exciting if this were Steve Nash's first game back?

Houston Rockets, Nov. 18

Harry How/Getty Images

 The Rockets are the seventh best pick-and-roll team int he NBA, and they go to it 21 percent of the the time according to Synergy.  The Lakers are ranked 26th in defending it and a large part of that is Steve Blake, who, as one of my commenters mentioned, "can't stay in front of an obese Walmart shopper in a wheelchair."

Mike Brown is supposed to be a defensive specialist and they have two former Defensive Players of the Year. If Brown can't figure out how to stop Lin and Howard with that, he doesn't deserve to be head coach. Let's not forget that the Nuggets provided the film on how to do it. Brown just needs to copy the formula.

Brooklyn Nets, Nov. 20

Stephen Dunn/Getty Images

For all the talk about whether the Los Angeles Lakers should hit the button, why isn't anyone asking that about Brooklyn? The Nets have the worst margin of victory in all of the Association, getting wiped by an average of 11.33 points per game. Egads! This one could be the one that separates true disappointment from a disappointing start.

And perhaps Dwight Howard will finally show some motivation against the team that couldn't work a deal for him.

The Lakers don't have to win all six of those games, but if they don't emerge from them at least at .500 then it's hard to see how much longer Mike Brown can survive. The excuses only remain valid for so long. If the Lakers are still sub-.500 an eighth of the way through the season how can Mike Brown justify his job, especially in light of the winless preseason.

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Frozen in Motion: Rinjiro Shirata, 9th dan, at the All-Japan Demonstration

“The result is as an eerie strobe effect that
highlights the dazzling motion of the technique.”

This photo of 9th dan Rinjiro Shirata was taken at the All-Japan demonstration in Tokyo c. 1988. I was among the photographers allowed on the floor of the Budokan and snapped this photo during Shirata Sensei’s performance. The interesting thing about this photo is that, apart from the fortunate timing capturing this dynamic moment of the technique, a second flash went off at precisely the same instant. The result is as, you can see, an eerie strobe effect that highlights the dazzling motion of the technique. It’s one of the best shots I’ve ever taken and much of it was purely due to chance!

Born on March 29, 1912 in Yamagata Prefecture to a family of Omoto believers, Rinjiro Shirata was accepted into the Kobukan Dojo of aikido founder Morihei Ueshiba as an uchideshi in 1932. Known for his modest character and great physical strength, he quickly became one of the star pupils of the “Hell Dojo,” as the founder’s early school was called. Shirata later spent a short period teaching aiki budo in Osaka before being drafted into the Japanese Imperial Army. He spent the war years stationed in Burma until his repatriation.

Shirata’s training was interrupted for several years due to the war, but he began actively teaching again in Aomori in 1959. In 1962, he received the 8th dan rank from the founder. At this time, his teaching activities were concentrated in his native Yamagata. Shirata was awarded 9th dan in 1972 by Second Doshu Kisshomaru Ueshiba and is one of only a handful of people ever to have achieved this rank. Shirata was also active in the International Aikido Federation following its establishment in 1976. He occupied several high posts and served on the technical council. He traveled to Honolulu in 1978 in connection with the IAF and to Chicago in 1984 at the invitation of Akira Tohei Sensei. On both occasions, foreign practitioners responded enthusiastically to his skillful, yet gentle approach to teaching.

Devoted to the spread of aikido and one of the staunchest supporters of the Ueshiba family, Shirata was a regular participant over the years in major Aikikai-sponsored events such as the All-Japan Aikido Demonstration, the Iwama Taisai, and the Kagami Biraki New Year Celebration at the Tokyo Hombu Dojo.

  1. Thank you! Beautiful. Rick Rowell is working on things that look a lot like that.

Speak Your Mind


text:
Huntsville man claims 2 people robbed him inside car

Jonathan Grass | By Jonathan Grass | The Huntsville Times
Email the author | Follow on Twitter
on January 28, 2014 at 4:50 AM, updated January 28, 2014 at 4:52 AM

HUNTSVILLE, Alabama -- Huntsville police are investigating a Monday night robbery on Spartacus Drive.

A man told police he was in the 4400 block when two men got into his car shortly before 9:30 p.m. He claims one of them had a gun and demanded his money.

They fled on foot without injuring him.

No arrests have been made yet.


text:
Related documents:
[1] Installing FileZilla FTP Client

This blog entry is an overview on how to fix the following error in your FTP client:

421 too many connections (8) from this ip

This may sometimes be accompanied with a “Delaying connection for 5 seconds due to previously failed connection attempt” error.

We will be using FileZilla in this example. If you do not know FileZilla or how to use it, we recommend reviewing our blog entry on How to install FileZilla .

Lets start, open up FileZilla, and click on “File” on the top left and then click on “Site Manager”:

2) Once inside SiteManager:

If the site doesn’t already exist in the list: click “New Site” and fill out the necessary information and continue.

Once the site exists in the list, choose it and go to the “Transfer Settings” tab:

From here, simply click on the checkmark box next to “Limit number of simultaneous connections” and you can keep “1” in the box like such:

Thats all, now Press “Connect” on the bottom left and give it another try. If you run into any problems, simply comment here and we’ll get you helped.

Tags: , , , , , | Posted under 3rd Party Software, Filezilla | RSS 2.0

23 Comments on 421 too many connections (8) from this ip – FileZilla fix

  1. selva says:

    Thanks For your step by step explanations.Follow your step, i am fixed that error.

  2. Ken says:

    I tried that and I still get the 421 Too many connections (4) from this IP error.

  3. You may need to completely shut things down so the previous connections are killed.

  4. Pingback: How to Install Filezilla Client | Arvixe Blog

  5. Saurabh says:

    Dear member’s,

    Getting this same problem when i am connecting my FTP, it stops at MLSD

    230-Your bandwidth usage is restricted
    Response: 230-User share127 has group access to: 150
    Response: 230-OK. Current directory is /
    Response: 230 114 Kbytes used (0%) – authorized: 51200 Kb
    Command: PBSZ 0
    Response: 200 PBSZ=0
    Command: PROT P
    Response: 534 Fallback to [C]
    Status: Connected
    Status: Retrieving directory listing…
    Command: PWD
    Response: 257 “/” is your current location
    Command: TYPE I
    Response: 200 TYPE is now 8-bit binary
    Command: PORT 10,0,0,250,4,94
    Response: 500 I won’t open a connection to (only to
    Command: PASV
    Response: 227 Entering Passive Mode (202,71,129,226,195,229)
    Command: MLSD

    What i have to do now to resolve this problem. Please tell me

  6. Tolun Cerkes says:

    Yes choosing active mode in the site manager’s transfer settings tab resolved my problem. Thank you.

  7. No matter what alterations I make to the configurations in the “Site Manager” option, my connection always times out and I can’t connect to the server. What did I miss?

  8. David Ho says:

    Thanks! Exactly what I was looking for – kudos!!!

  9. AB says:

    Thank you, it took me a while to find this but this fixed it all. Props.

  10. Moran says:

    I did what you wrote, but I still get this error…

  11. First i was getting a “421 too many connections (12) from this ip” error, but read and did what this page says, so now i getting a

    “Response: 200 PORT command successful
    Command: MLSD
    Respons: 425 Could not open data connection to port 49657: Connection timed out”

    What do i do?

  12. kensoXd says:

  13. Ryan Harne says:

    Still got the problem, even on sftp & active mode… so need to drop all connections, for windows.
    >> Command Prompt
    >> ipconfig /renew

  14. kenneth says:

    yes choose the active .. and the problem will solve thanks for this 🙂

  15. Juhi says:

    Even after complying with the settings suggested, I am getting the error 421. Can you please help?

  16. Matt says:

    I’ve had this problem for a while, i’ve changed the settings, dropped all my connections via command prompt, limited my connections to 1 (even tho my server allows 8) and changed transfer to Active. I’m on Windows 7 Professional so any help is hugely apreciated. I’ve looked over the FileZilla forums but the support is limited and not very useful!

  17. InsaneOne22 says:

    Thanks for this advice, I’m now able to deploy/retreive my website without worring about problems …

    Thanks dude !

  18. Yan says:

    Wow, thank you so much! This solution solved my problem. Keep up and continue sharing!

  19. Thanks for the info. I actually just ran into this problem and couldn’t figure it out. I found a forum where a few people had this issue and they all concurred that there was nothing that can be done about it… Just that Filezilla thinks that you are hacking if you disconnect and reconnect repeatedly which is what the client does for every file. Anyway, thanks; I implements your fix and it is running smooth now.

  20. Chris says:

    I turned off my firewall and it worked

  21. Jay says:

    Just go to: Site manager……….Advanced………..Server type (In server type change what it is supposed to be, mine was Unix)
    All worked fine and this problem came just after an Flilezilla had an update……..new update nulled the server type

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Moisture the (relatively) unsung hero in fight against free radicalsWhen you hear the term "free radicals," you either think of politically-polarized hippie activists or you think of beauty concerns that plague the modern-day woman. When beauty experts talk about these harmful environmental particles, they often use the word "antioxidants" in the same sentence, as they're the classic defense against environmental stresses.

According to, a slightly more commonplace item may also have a great deal to do with how your skin reacts against free radicals.

"Dehydration leads to oxidative stress, which generates free radicals," dermatologist Fredric Brandt told the news source. "Without moisture, your skin isn't able to repair itself and suffers even more damage."

You heard the man – lay on that moisturizer if you're not already. Better yet, reach for a moisturizing product that's rich with antioxidant ingredients to get the best of both worlds. Experts agree that a mix of antioxidants work better than a single ingredient.

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Eye, Lip, and Facial Care, Skin Care Products


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Michelle Williams and Jason Segel reportedly split

Steve Granitz/WireImage

Actress Michelle Williams has ended her romance with Jason Segel after barely a year of dating, according to new reports.

The fiercely private beauty was first photographed with the comedian in March, 2012, and they went public with their relationship a month later at the New York afterparty for Segel’s romantic comedy, “The Five-Year Engagement.”

Williams recently broke her silence about the new man in her life in an interview with InStyle magazine, gushing, “He is nice… I didn’t actually realize who he was before I started dating him… I didn’t realize he made a lot of very popular, funny movies.

Jason Merritt/Getty Images

However, it appears the couple has since parted ways – editors at UsMagazine.com claim Williams and Segel quietly split earlier this month after struggling to maintain the long-distance relationship. The actress lives in New York with her daughter Matilda, while the actor is based in Los Angeles.

The news comes just weeks after the stars were spotted on vacation in Cancun, Mexico, with Williams’ best pal Busy Philipps and her family.


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Denim Therapy

3 Fresh Ways To Wear A Denim Dress

White Jeans After Labor Day? Try This Head-To-Toe Look

Denim Therapy Featured in Glamour

Lug Your Stuff In The NEXUSVII x Manhattan Portage Denim Messenger Bag

Don’t know what to get your guy this season? Check out the messenger bag that came from a collaboration between the Japanese brand NEXUSVII and New York’s own Manhattan Portage. It is made out of black denim, so it has a really minimalist look to it and will be durable all winter long, whether he’s lugging around schoolbooks or his iPad! Also remember that as rain and snow (ugh!) are upon us, denim is a great choice for bags as it won’t get ruined like suede or leather would. While this bag is similar to the regular Manhattan Portage messenger bag, this one comes with extra pockets so he’ll definitely have enough room for all of his little gadgets. And the best part about it? It can totally work for girls too, so a gift for him can turn into a gift for you too!

[nggallery id=667]

Images via Highsnobiety.

Elyssa Linden

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Posted Oct 06 2011 in Denim Fashion » Reviews: Product
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Sunday, July 11, 2010

Geotagging Emails

Today I was reading a letter my mother had sent to her aunt 3 days after I was born. Handwritten three pages, describing how I was still in the children's ward, how my brother had visited me and more personal stuff. But that's not what this post ist about. It's about the header of the letter, which got me thinking. It read: "Göttingen, 27.12.79" above the salutation.

So apart from senders address on the envelope, the letter included another header stating the location and the date. Where and when the letter had been written is part of the letter. Another clue as to from where the letter is sent is the postmark on the stamp.

The way I understand email headers is that they are for adding metadata to the content of the email, similiar to the envelope. First and foremost of course, it includes the addressee, but also the sender's name and email address. Another header is the date the email was sent at. In the old days, an email address may have given you a clue as to where the person is located, the first email to arrive in germany was sent to "rotert@germany", which was a bit unspecific, but you get the idea.

Things have changed and now most people have an email address that doesn't give a clue about their current location. Sometimes other email headers may provide a clue, for example IP-addresses can be geolocated, but since the rise of smart phones, emails are written from anywhere. The simplest way to let the recipient know about your whereabouts is by simply writing it into the body of the mail, but that's not really machine readable.

I propose introducing an optional email header that specifies the senders geographic location.

X-Sender-Geo-Location-Lon: 13.409082
X-Sender-Geo-Location-Lat: 52.528087
X-Sender-Geo-Location-Accuracy: 500
X-Sender-Geo-Location-Placename: Berlin, Germany

If a location is provided, accuracy is required, the address field can be used for displaying, if not available it can be reverse geolocated. But those are just details. I think parts of the geolocation API can be used or adopted, like altitude, heading and speed.

I would love to hear what people think of adding a geo tag to email headers. It shouldn't be too difficult to write thunderbird add-on that let's you specify these header components and display a map if they are present. Or a gadget for gmail.

James said...

I would prefer people not know where I am when I'm working from home, or on a business trip (ie. "would you like to rob my empty house?"). There are email footer programs that do this if you want to publish where you are (gmail).

Sean said...

Cool idea but at times you dont want people to know where you are, you should be able to turn it on and off when you want.

Danny said...

he said optional, thereby its not something that would be always on and would be an option.

Anonymous said...

That sure sounds like a slippery slope. Before creating new standards to geo-locate people without their knowledge in their emails, perhaps we need laws that protect people from companies and governments who use this data for targeted advertising and more nefarious purposes?

Real ID, geolocated IP addresses, and now geolocated email? How about first we put the heads of the major telecom companies in jail for giving away protected information to the Bush administration? Oh that's right, Pelosi gave them retroactive immunity.

Normal people don't want this, and neither should you.

Anonymous said...

ok, i'm against that idea, because of my privacy. but i don't agree with "normal people" anonymous said. normal people don't give a fuck whether there are additional info about location. those who are scared of something might be bothered

Angus said...

@Anonymous ("slippery slope"): This isn't about some conspiracy to geo-locate people from their emails without their knowledge. It's a proposal for a standard way of adding your location to your own emails using your own email client, if you want to tell people where you are.

Steve Clay said...

Simple first step: add it to all "sent" mail copies.

Anonymous said...

Sounds like a solution waiting for a problem...

In the rare case that you want to communicate your location, just type it out!

Anonymous said...

Useless feature, if i really want you to know where i am, i will write it down myself. i think this "feature" would be used maybe 1 out of 10 times? or do you really want to let your boss, co-workers, clients, etc want to know where _exactly_ you are?

Greetings from Munich, (would you like to know my position? why?)


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Meeting Tribes in Montana!

By Leah Tai

I was energized as I woke up at 4:30 am, grabbing my bag and a handful of almonds before heading to catch my flight to Billings, Montana. After three months of assisting and learning about my branch’s grant program to provide infrastructure to Native American Tribes, I was finally going to meet tribal recipients of this funding!

After college I traveled in Asia and South America before joining the Peace Corps in West Africa, and I always found that my favorite experiences involved chatting with locals about their community (or simply attempting to learn “Hello” in a new dialect). The personal connections and cultural understanding that comes from hearing the stories and seeing the favorite places of a new acquaintance is irreplaceable. In Montana, I would have the opportunity to meet members of various tribal nations, Blackfeet, Crow, Northern Cheyenne, among others, at an EPA training to improve operation and management of tribal water and wastewater infrastructure.

On the first day I immediately took a liking to one of the few training participants, Tina, as she abruptly interjected with opinions and comments gained from 13 years of experience managing the water system in a town of 250 people on the Fort Peck Reservation. Throughout the next three days, Tina never failed to make her voice heard. She and other participants slowly began interacting with one another, realizing they had lots of knowledge and experience to share. One tribal operator was surprised and excited to hear that a neighboring reservation had their own equipment to lift out well pumps in order to do maintenance and started discussing future contact and mutual support. Others discussed their communities’ resistance to increased water and wastewater rates, realizing that they face similar challenges in educating their neighbors and elders about the true cost of clean water. Two members of the Crow Water and Wastewater Authority were happy to give us a tour of their federally funded wastewater lagoon; lagoons were a popular topic during the training because many tribes in the region use them but not all knew about the regular maintenance steps they require.

It was inspiring to talk, learn and work with tribal members on improving their water and wastewater systems. I fell in love with Big Sky Montana but was happy to get back to DC on Monday and continue working to help these underserved communities.

About the author: Leah Tai began her ORISE Fellowship in May of 2011 working with the Sustainable Communities Branch in the Office of Wastewater Management. After extensive travel abroad and work with the U.S. Peace Corps, Leah is excited to work with SCB programs supporting underserved communities around the U.S.A.


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Very Large Websites Table Now on Factual

Like most respectable geeks, we at Factual get pretty excited about data. And sometimes we get so excited about something that we want to make sure our data geek brethren are aware of it. Today we have something that falls into that category., a non-profit web crawler, provided a data set of about 4 [...]

SupportGroups.Com Uses Factual to Power Directory

We’re always eager to spotlight a cool implementation of Factual — especially when it empowers a community with better information. Earlier this week, SupportGroups.Com launched a support groups directory powered by Factual data. The directory provides over 12,000 listings on several categories of support groups (Alcoholics Anonymous, Narcotics Anonymous, Gamblers Anonymous, Sex Addicts Anonymous), and [...]

Factual Developer Night Recap: Pizza, T-Shirts and APIs!

Last night, we hosted our first Developer Night here at the Factual headquarters in Los Angeles. The evening consisted of pizza (and lots of it), followed by presentations from Bill Michels (VP Developer Platform) and Factual engineers Boris Shimanovsky and Jeff Su. They went into the specifics of Factual’s API, as well as our open [...]

JS2: Factual’s First Open Source Project

The software team at Factual relies heavily on the outstanding work of the open source software community, and we’re always looking for opportunities to return the favor by donating our engineering time and effort. JS2 is the first of hopefully many internal projects that we’re releasing as free, open source software. Our wish is that [...]

Factual Developer Night on December 14th!

On Monday, December 14th, Factual will be hosting our first Developer Night at our headquarters in Los Angeles, CA. This will be a great opportunity for developers to learn more about our platform for open structured data, as well as meet several members of the Factual team. We’ll provide an overview of our API, including [...]


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Summer’s Best BBQ Pork

by in View All Posts, July 20th, 2010
Roasted pig from Smokin' Joe's True-Blue Texas Barbecue
Roasted pig from Smokin' Joe's True-Blue Texas Barbecue

Sure, summer is all about fantastic in-season veggies, but sometimes you need to take an afternoon to sit back, relax and smell the hickory smoke. Low-and-slow BBQ and grilled meats are definite highlights of my summer.

My heart skipped a beat when, browsing the booths at New York’s Meatopia event, I caught sight of this beautiful, whole roasted pig, courtesy of Smokin’ Joe’s True-Blue Texas Barbecue.

Roasted pork with herb sauce
I waited my turn in line and was rewarded with a small pile of tender, succulent pork topped with a non-traditional, creamy herb sauce. Devine.

But “Meatopia” didn’t stop there! Check out more pictures of the cookout on Food2.

For DIY BBQ, check out the Neelys’ step-by-step guide to pulled pork at home and Alton’s tips for using your grill as a smoker.

What’s the barbecue highlight of your summer? We want to hear about the best BBQ you ever ate.

Kirsten, Web Editor

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Roasting (and Flavoring) Pumpkin Seeds Is Even Easier Than You Think

Try these seven season seasoning combos....


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Subjects » Business » My Software Company
Thu, Oct 13, 2011, 2:53am v1.3 of BookHabit Coming Soon
The well-received BookHabit is about to get another update. Nothing too fancy. I'm trying to keep the updates digestible and as reliable as possible. Putting too much into a point release is just asking for trouble. This one tightens up the look of the app, really improves the timeline graph and adds a few friendly features to existing screens. Some speed improvements and many squashed bugs are also part of this release. Thanks to everyone who has hit the "Send" button if they have run into something that crashed the program. It has helped make this next release much more solid. [Read more…]
Wed, Nov 14, 2007, 11:09am Getting Settled In
Yesterday I got the main development machine set up with the official Leopard release. Backups, updates, etc, and it's ready to go now. Still some quirks for sure in the Leopard GM, but it's where things are at now. Cleaned up my work room and the desk. Laid out the programming books I've been wanting to get to. Heck, I even got all my Xcode docs updated, thanks to Rainer's help. One veggie sub from my favorite Vietnamese sandwich shop later, and the coffee is ready to escort me into my new life. Hope this works out…


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Get your 2010 J&P Cycles Vintage Wind Calendar Today

December 31, 2009 | By: Kody Wisner

The New Year is almost here and if you’re like me, you still need a new calendar!  Luckily, J&P has just what you are looking for: A cool calendar at a cool price, and you can only get it from J&P Cycles!

The 2010 Vintage Wind Calendar,2010 Vintage Wind

which includes 12 reproductions from J&P founder & President John Parham’s personal antique photo collection of motorcycles in the early 20th century, shows a different vintage motorcycle scene for each month. The neat part is that you see not only a wide range of motorcycles — including Harleys, Indians and even Motordromes — but you also get to see the people who rode them.

I love seeing the clothing they wore back then and how serious they looked most of the time. I mean really…how can you ride a motorcycle and not smile! The highlight of this years’ edition has to be the photo of a legless, one-armed rider in a 1916 H-D with a sidecar modified to include a place for his dog to ride on its own seat! You have to see it to believe!

As you can tell, is 2010 Vintage Wind Calendar is more just a calendar; it’s an awesome collection of nostalgic photos that’s great for yourself or for any motorcycle lover in your life.

The 2010 Vintage Wind Calendar is only available from J&P Cycles, and since there are a limited number of copies, you should order one today. The cost is only $8.99 plus $3.00 shipping in the continental United States. Just give us a call at 800-397-4844 and ask for part number 154-099. Or, you can order online at

We hope you enjoy the calendar as much as we enjoyed putting it together!

Update: We’re sorry to announce that despite just being posted we’ve been informed by our warehouse staff that we have sold out of the 2010 Vintage Wind Calendars. As of a few weeks ago we had a few hundred left, but they’ve been an extremely popular product this year, and recently we sold out. We apologize for posting this post today without the stock on hand to handle any new orders. If you’re still looking for a calendar for 2010, we offer many other options.

Comments: 1 Comment | Categorized Under: Product Information

Comments (1)

Good things to see motorcycle of 20th century !

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The six favorite fonts of designer Felix Bonge

Font designer Felix Bonge selects a variety of his favorite typefaces on “That’s not an easy question to answer. I can say for sure that I’m not one of the Vignelli types, who make do with just a handful of fonts”, [...]

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The favorite fonts of designer Mårten Thavenius and family packs of the Aptifer Sans and Aptifer Slab family for only 99 Euro* each

The favorite fonts of font designer Mårten Thavenius After completing a B.A. in Philosophy and Aesthetics, Swedish designer Mårten Thavenius began working as an interface designer with IBM. He later became a freelance web consultant and font developer. His most popular designs are the comprehensive families [...]

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Thursday, September 23, 2004

English and Japanese words with similar roots

Nowadays, when the Japanese need a new word in their language, they usually turn to English, taking the English word for that new technology or concept and adapting it phonetically to Japanese pronunciation. For instance, "hotel" is hoteru, "space shuttle" is supeisu shatoru, and “Internet” is Intaanetto. (Americans, of course, occasionally borrow from other languages, such as “skosh,” which comes from Japanese, and schadenfreude, a German word referring to pleasure derived from the misfortune of others.)
But a century or so ago, just as Western scientists drew from Latin and ancient Greek to form new words, Japan turned to Chinese ideographs (known as kanji) to form Japanese words having the same meaning as the Western counterparts. For instance, "petroleum" comes from the Latin roots petra, for “rock,” and oleum, meaning "oil." The Japanese word for petroleum is sekiyu, which combines the kanji for rock (seki) and oil (yu). Another example is the Japanese for automobile: jidousha, which literally means “self-moving cart.”
Some word pairs are nearly identical but with a slight cultural twist. For instance, the English word “dinosaur” is a combination of the Greek for “terrible lizard,” whereas the Japanese for “dinosaur” is kyouryuu, which means “terrible dragon.”
It’s interesting how both cultures in those days turned to the languages of classical cultures to create new words. Today, acronyms seem to be the default method in the English-speaking world for naming new concepts or inventions: PDA, ADD, CEO, HMO. However, we still sometimes go back to Latin and ancient Greek to form new words: biotech, ergonomics. Similarly, the Japanese still turn to kanji: ekishou (liquid crystal), kyougyuubyou (mad cow disease).


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Posts filtered on Tag

Tag: Mahler

SLL’s first rehearsal

Today was Day Four of the SLL era at the San Antonio Symphony. Here is a brief video of the very first notes at Sebastian Lang-Lessing’s first rehearsal as Music Director. This is the beginning of

Sunday Symphony at 2 p.m.

Today (Sunday, September 5, 2010) at 2 p.m., KPAC and KTXI will again broadcast one of the San Antonio Symphony’s 2009-2010 season Classics concerts. Including today, there are four broadcasts left in

Beyoncé and Mahler

I just heard that pops superstar Beyoncé (pictured on the right) is an eighth cousin four times removed from composer Gustav Mahler. Mahler’s romantic blockbuster, Symphony No. 1, “Titan,” is the

Your choice

I’ve been brainstorming and blogging about audience participation a lot this summer. The latest performing arts industry buzz is that symphonies, theaters, ballet and opera companies need to add more

The Mahler Enigma

Last week was the 150th anniversary of the birth of Gustav Mahler. Since we announced that the San Antonio Symphony is introducing our new music director Sebastian Lang-Lessing with Mahler’s first

Happy Birthday Gustav

“A symphony must be like the world. It must contain everything.” – Gustav Mahler Today (July 7) is the 150th anniversary of the birth of composer Gustav Mahler. Mahler is currently the subject of a


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UT denies report of Dodds stepping down

AUSTIN — A spokesman for DeLoss Dodds on Friday denied a report that the Texas athletic director will soon step down, calling the story “absolutely not true.”

Orangebloods.com cited two sources in its report that Dodds, who’s run UT’s athletic department for 32 years, will move out of his current position and into a consulting role by the end of the calendar year. According to the report, the 74-year-old Dodds will continue to receive his $1.1-million salary, as well as the $1-million annuity he’s due to receive next August.

But Nick Voinis, UT’s senior associate athletic director for communications, said Friday the Orangebloods report is “absolutely not true.” Voinis said he spoke to Dodds on Friday, and the athletic director said he has no plans of stepping down.

San Antonio billionaire Red McCombs, who has donated more than $89 million to UT and has a statue bearing his likeness inside Royal-Memorial Stadium, said Friday he believes neither Dodds nor football coach Mack Brown have any intention of quitting. Asked what he’d heard about Dodds leaving his post, McCombs said, “Not a word.”

“I realize there’s a lot of talk out there, and I understand why,” McCombs said. “But there’s no split in the leadership. Everyone is solidly behind the A.D. and the coaches.”

Mike Finger


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Posts filtered on Category

Category: veterans

Reps. McCaul, Cuellar introduce bipartisan legislation to raise federal agencies’ customer service standards

Republican Rep. Michael McCaul of Austin is joining forces with Democratic Rep. Henry Cuellar of Laredo to push for improved customer service standards for the millions of Americans accessing government services. Their “Government Customer Service Improvement Act of 2013? would require the Office of Management and Budget to set government wide customer service standards. The

Rep. Al Green scores legislative wins on veterans’ housing, SEC enforcement and housing discrimination

Texas Rep. Al Green chalked up a legislative victory in the Republican-controlled House of Representatives today when the House Financial Services Committee approved legislation containing three of his amendments. The Houston Democrat’s proposals covered various topics: cracking down on housing discrimination, ensuring that the Department of Housing & Urban Development would pay attention to veterans’

TexMessage: Rep. Bill Flores decries increase in suicides among veterans

TexMessage Thursday, February 14 Good morning TexMessagers! Is Congress doing enough for returning veterans? TEXclusive Representatives of the Department of Veterans’ Affairs testified Wednesday morning on Capitol Hill about the growing problem of veteran suicides. Rep. Bill Flores, R-Bryan, a member of the House Veteran’s Affairs Committee, said the rate of suicides were increasing, due

Cornyn praises Texas VA, wins passage of amendment to streamline veterans’ disability claims nationwide

“It goes without saying, but I will say it anyways, that our veterans have shown the ultimate devotion to our country and they deserve to be treated fairly, when they have earned these benefits and unfortunately we’ve seen less than acceptable results,” said Cornyn.

Dysfunction in DC: Disabled veterans held hostage to election year stunt

The unnamed Republican — whose identity is known only by a small group of Republican leaders — took advantage of Senate rules that allow any senator, for any reason (or no reason) to slow down legislation.

The result of the pre-election tactic is that 3.9 million disabled veterans and their family members will not receive a modest benefits increase to reflect inflation.

From the ashes of 9/11, a soldier was born

“We felt some helpflessness that we couldn’t do anything,” said Tony Solomon, a veteran of the Iraq War. “I wanted to do something.”

TexMessage: Cornyn demands answers from VA on ‘extravagant’ conferences, ‘Patton’ parody

First there was the General Services Administration’s Las Vegas blowout. Now there’s the Department of Veterans Affairs’ “Patton” parody. And it’s attracted the attention of an influential pair of Republicans, House oversight committee chair Darrell Issa of California and Texas Sen. John Cornyn, chair of the Senate Republicans’ campaign committee.

Commentary: Would President Romney become President Rambo?

The base wants to believe that their man will bound on the world stage with a dagger between his teeth, swathed in belts of ammo, an assault weapon at the ready and a brace of grenades on his belt, ready toss at anyone who does not toe the line

Bipartisanship is still alive: Obama officials and lawmakers team up to aid veterans

Despite political discord on Capitol Hill, Obama administration officials and Congress have cut through partisan differences to help veterans returning from wars to homelessness. The Department of Veterans Affairs has announced grants totaling $100 million to help nearly 42,000 homeless and at-risk veterans in 49 states, the District of Columbia and Puerto Rico. Texas will […]

Veterans organization welcomes Texan hero home

Marine Staff. Sgt. Marty Gonzalez, who is battling post-traumatic stress disorder and has undergone more than nine surgeries since he joined the Marines and deployed to Iraq in 2004, is one of 60 veterans across 15 states to receive a home through


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Looking back: Who's On First?

Claire Heininger/Statehouse Bureau By Claire Heininger/Statehouse Bureau The Star-Ledger
on October 02, 2007 at 7:02 AM, updated October 02, 2007 at 7:06 AM

On Oct. 2, 1895, a couple of circus entertainers - he an advance man, she a bareback rider - added another performer to the family.

Jersey Guys: Bud Abbott and Lou Costello in the 1950 "Abbott and Costello in the Foreign Legion."

Born in Asbury Park, William "Bud" Abbott dropped out of school as a teen to work in carnivals and burlesque, and quickly crafted a reputation as a talented straight man who more than held his own with his vaudeville counterparts. In the early 1930s, he met Paterson native Lou Costello, and by 1936 they were officially a team.

After their signature skit "Who's On First" helped launch the duo to Hollywood, Abbot & Costello became an American comedy staple throughout the 1940s and 50s. Though the Jersey pair parted ways in 1957, many of their films - such as "Buck Privates," "In The Navy" and "The Naughty Nineties" - still rank as classics years after their deaths.

Transcript and audio clip: Who's On First

- The New Jersey Historical Commission contributed to this report.


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Stringer responds to Imus

David Liss | NJ Advance Media for By David Liss | NJ Advance Media for
Email the author
on April 10, 2007 at 11:22 AM, updated April 10, 2007 at 12:46 PM

"These young ladies are valedictorians, future doctors, ... even girl scouts. we are fortunate to have them at RU. Class and distinction, gifted, brilliant. They are God's representatives."

The real story isn't Imus. The real story is about how this team recovered from a 40-point loss to Duke at home and other tough early losses - how they dedicated themselves over Christmas break to improve and eventually played for the national title.

She has nothing but respect and pride for her team.

Less than 24 hours after playing their hearts out, they returned to this hurtful situation.

"Racist and sexist remarks that are deplorable, reprehensible and unconscionable are really hurtful to me."

Telling a story of her own childhood experience with racism.

More to come,,,

as I felt what Imus said as a mom to my team, I'd ask you, who could have heard the comments and not have been personally offended. Are women "hos" would you have wanted your daughter to be called that?

It's not about black and white. The color is green. It's more than RU women's basketball team. It's all women athletes. It's all women. Can we forgive and forget because it was just a slip of the tongue. Those people who employ people who say these things need to reflect.

We're not just playing basketball games, we're preparing for life, for being leaders in this society.

This group overcame all the NCAA selection committee threw at them, including Duke on its own floor - to the surprise of everyone.

"They showed the world that it's not where you come from, it's about where you're going."

This team restored my faith and confidence in life.

Are we as adults responsible enough to stand up for what is right?...It's time for everyone to reflect on what's going on.'

More - (she's too fast and powerful for these lousy fingers to follow - sorry)

"We hold our heads high - with dignity"

"We all need to make changes - yes, it's Mr. Imus - but it's all of us"

"I trust that our president (McC), our athletic director, our governor...will continue to support our women."

Players next, but Mulcahy jumps in to say they wanted to "raise the level" - to introduce the team to the world. Zurich next.


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"Flight to Worthless IOUs"

Richard C. Leone By Richard C. Leone The Star-Ledger
on September 20, 2008 at 3:15 PM, updated September 20, 2008 at 3:19 PM

Amidst the recent carnage in the financial markets, those seeking safety have rushed to invest whatever cash they can lay hands on in U.S. Treasury obligations. It's called a "flight to quality," in financial parlance. In fact, the demand for Treasuries has been so great that their yield was approaching zero. Apparently, in this scary time, safety is enough.

If the situation weren't so grim, one would have to acknowledge a certain humorous side. After all we have just experienced nearly eight years of a president, Secretaries of the Treasury, assorted Republicans running for high offices, and their allies telling us that the best way to think about treasury obligations is to think of them as worthless IOUs. The President said so directly when he went to check up on the Social Security Trust Funds, and found, not vaults of cash, but rather the Treasuries which by law and for safety the Social Security Administration must invest in. As Bush put it, "There is no Trust Fund, just IOUs that I saw first hand." Granted this was from a man who may have a limited grasp of the alternatives to insider stock in oil companies, but still...

The markets (which until recently we seen as having Olympian oracular powers) tell us that obligations backed by the full faith and credit of the United States are just about the safest things out there -- though that didn't stop one of Bush's previous Secretaries of the Treasury from also asserting that the Trust Funds are only filled with "worthless scraps of paper."

Apparently these scraps of paper have survived the assault on their character by the highest officials in the national government. Investors still think they are the safest thing around. And in these tough times, it may be one of the few reassuring things to know that the national safety net, Social Security, is already fully invested in these particular IOUs.


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Category Archives: Estate Planning Basics

Should We Create a Living Trust?

houseDear Liza: We are a married couple in our early and mid 30s with a one year old son living in Southern California. I have been looking at setting up a trust and/or will for our little family but not sure what is needed in our scenario. My husband and I each own a home in our name (bought before we got married).

 My husband and I plan to create a living trust for each of us and transfer the property in our respective name into the trust to avoid probate and create a will for everything else. Since both properties still have outstanding mortgage, how do we go about changing the title to a trust and will the lender allow this? Is the living trust the best way to go about with estate planning or do we need to look at another type of trust? Aside from the two properties, what else should be included in the trust? Do we need to create an ILIT for the life insurance policy to avoid estate tax and inheritance tax? What is the exemption limit in California? It sounds like you are thinking about all the right things (and on your way to owning a real estate empire). Yes, a living trust is a great idea for your family for these three reasons:
  1. A living trust will allow you to transfer your assets to your son without a probate proceeding.
  2. A living trust will allow you to set up a trust for your one-year old son so that an adult can manage his inheritance until your son is an adult.
  3. The transfer of your properties into a living trust will not affect your mortgage–there’s federal legislation that says such a transfer does not trigger any due on sale clause. Your lender doesn’t need to be notified, you just record a deed transferring your property to the trust.

You probably don’t need an insurance trust. That’s what people use to exclude the value of their insurance payouts from their taxable estate. But today’s exemption levels ($5.43 million in 2015) are so high, that most of us won’t have to pay any estate tax, even if our life insurance policies are included in our taxable estates.

Paying Credit Card Debt as Trustee

debtsDear Liza, My father passed away recently, and all of his and my mom’s assets are held in a living trust (except an individual checking account), of which I am now the Trustee.  A few collection agencies are now contacting me about collecting on some credit card balances, which are fairly significant.  From what I’ve read online, it sounds like debt collectors might not be able to lay any claims against the trust, but they can collect from the personal estate of the deceased (i.e. checking account or other assets held in the individual’s name).Is that understanding correct?  In case the debtors try to collect against the trust, I want to know our rights in that situation.  As Trustee, you are, actually, obligated to pay the debts of the Grantors (the people who created that trust) that you know about before you can distribute assets to the trust’s beneficiaries. That includes taxes and, in this case, credit card debt. If there are sufficient assets in the trust to pay those debts, you have to pay them. If there are insufficient assets in the trust to pay those debts, often you can, as Trustee, negotiate a lower payment with the companies — because that debt is not secured by anything (in contrast, say, to a house that secures a mortgage), the companies will often settle for less than the full amount rather than writing off the entire balance. If you don’t pay these debts and distribute the trust’s assets to the beneficiaries, these companies could, theoretically, go after the beneficiaries for payment from their inherited assets. Here’s an article that you might find helpful, too.

Paying Capital Gains on Appreciated Assets

houseDear Liza, My father passed away in 2002 when the federal estate tax limit was $1million. At that time my mother chose to put their home in the Bypass Trust.  She has now passed and the home is worth $1.4 million.  Do we inherit tax free or pay taxes on the amount over $1million?  It’s nice when I get a question that has a clear-cut answer AND an answer that most people would be happy to recieve. And this one’s got both, sort of: you will inherit the assets held in the Bypass Trust free of estate tax, even on the appreciation since 2002. That’s in fact why your mother put the house in the Bypass Trust, to take it (and its appreciation) out of her taxable estate.

However, here’s what you aren’t going to get: a step-up in basis to the date of death value of the house ($1.4 million). Capital gains are calculated on the difference between what you bought an asset for (the basis) and what you sold it for (called gain, if you sold it for more money than you paid for it.) So, a step-up in basis reduces the capital gains taxes that will be due when that asset is sold. A step-up in basis is a good thing if you own appreciated assets that you plan to sell.

When your Dad died, in 2002, your Mom got a step up in basis for the house — if, for example, they’d bought that house in 1953 for $25,000, she would have gotten a new basis of $1 million for that house in 2002, since that’s what it was worth when he died. If she’d decided to sell the house after your father’s death, she would only  have had to pay capital gains on the post-death appreciation. (I’m assuming the house was community property because I live and work in California. In other states, the survivor only gets a step up on the assets owned by the deceased spouse.)

But the way the tax code works is that if an asset is held in the Bypass Trust, you don’t get to take another step-up in basis at the second death. It’s kind of a good-news/bad-news story: you don’t have to pay estate tax on the assets (and all of the appreciation) on the assets held in the Bypass Trust. This is why Bypass Trusts exist, they shelter assets and appreciation from the estate tax. But if you sell the house now that your mother’s dead, you will have to pay capital gain taxes on the gain ($400,000) earned since your father’s death.

When does a Will Make Sense?

pot of goldDear Liza: A friend of mine is considering a living trust.  The only property he has is a coin collection maybe worth around $15,000.  He has an adult daughter who he doesn’t communicate with and does not want her to get anything.  He would like to leave the collection to me.  Is a living trust a good way to go listing me as the trustee or the beneficiary?  Or is doing a Will just as good? If the only property that your friend has is a coin collection, a simple Will should accomplish his goals.  A Will allows your friend to clearly state who should receive that collection upon his death. Assuming that $15,000 falls below the probate threshold in his state (called the “Small Estates Limit”), no probate would be required upon his death to transfer the collection to you. A living trust is just a way to avoid probate, but really serves no purpose in an estate that’s below the probate limit anyway. To determine the probate threshold in your friend’s state, start here.

Who Inherits When There’s No Beneficiary?

IRA moneyDear Liza: My dad named his mother as his beneficiary, but she passed away in 2004.  My dad died in 2013 but didn’t change his beneficiary. I am my father’s only child and he has no wife, so who gets the money ? When a person dies and there’s no surviving beneficiary named for an account, the assets would go that person’s “estate.” You don’t say what kind of account this is, but the most common kind of account with beneficiary designations would be a retirement account, so I’ll make that assumption (though most beneficiary accounts work the same way).

What that means is that, if your father left a Will, the assets in the account that you are describing would pass to the beneficiaries under that Will. If he had no Will, and you are his only child, you would be the beneficiary under the laws of the state that your father lived and died. (These are called “intestacy” laws, and they spell out who inherits if there’s no Will.)

But here’s the thing, your father’s estate may have to go through probate before the assets can be transferred to you. This depends on the size of your father’s estate, and where he lived and died. All states have what’s called a “small estates limit,” and if an estate falls below that limit, no probate is required.  I can’t tell from your question how big or small your father’s estate was, or where he lived. But that’s the relevant question for you to ask. If you don’t need to go through probate, there’s a way for you to request that the account be transferred to you without a court order; if you do need to go through probate, you’ll need a court order (which is how probate ends) to have the assets transferred to your name.  To find out the probate small estates limit in your father’s state, and how to transfer assets if his estate is under that limit, start here.

Capital Gains Taxes on Appreciated Property

houseDear Liza: My mother gave her house to my sister just before she passed away.  My sister is going to sell the house. Do we have to pay taxes on that? If your mother’s house had appreciated in value between the time your mother purchased it, and her death, then the answer is yes. I can’t answer even a fraction of the questions that people send to me, so I try to pick ones that I think will have value to many people. Your sister is going to owe capital gains taxes on the difference between what your mother paid for that house and what your sister sells it for. Capital gains taxes are levied on the difference between what someone paid for an asset (that’s called the basis) and what they sell that asset for later (they’re taxed on the gain, or difference between the basis and the sale price.)

Because your mother gave the house to your sister before her death, your sister received that gift with your mother’s original tax basis. For example, if your mother purchased her house in 1976 for  $65,000, and your sister sells it in 2015 for $365,000, your sister is going to owe capital gains on the $300,000 in value that the house gained between 1976 and 2015. (There’s a $250,000 exclusion from this tax for the sale of a primary residence if you’ve lived there for 2 of the last 5 years, but I don’t know if that applies to your mother’s house here. It could, I suppose.)

If your mother had instead gifted that house to your sister upon her death, via a Will or a trust, your sister would have inherited it with a stepped-up basis, which means that her basis in that house would have been the value the house had at your mother’s date of death. In the example I just used, if your sister inherited the house with a value of $365,000 (as shown by a qualified appraisal) and then sold that house for $365,000, she would have owed zero in capital gains taxes. That’s the difference between lifetime gifts (donor’s basis) and gifts made as a result of death (date of death value basis).

Amending a Survivor’s Trust

grandfather-506348_640Dear Liza: My parents have a revocable Trust that is very outdated and we want to make amendments to it. I understand most of the Trust but am having trouble with the Survivors Trust. I was surprised to see that upon the death of one spouse a Survivors Trust may be established. Is this really a necessary part of a Trust. Isn’t being the Co Trustee basically the same thing? A Survivor’s Trust is often created for tax planning. It’s common.  Many living trusts, especially those drafted prior to 2012 (when tax laws changed) are designed to minimize the estate tax at the second death. Trusts like that typically divide the trust estate into two trusts when the first spouse dies: one trust holds the decedent’s assets and is often called the Bypass Trust (or the Credit Trust); the other trust holds the survivor’s assets, and is called the Survivor’s Trust. Usually, the survivor can use assets in both trusts, but, to the extent that they don’t use up all the money in the Bypass Trust, that money passes estate tax free to the beneficiaries.  If your parents don’t have more than $10 million (like MOST people), their trust can most likely be simplified to just hold all of the assets in one, revocable trust after the first death. This trust is still often called the Survivor’s Trust. But this is all completely separate from who manages the trust, whatever it is called. That person is the successor Trustee, or, if appointed during your parents’ lifetimes, a co-Trustee. If you are helping your parents take care of their finances, and they’d like to help them manage their affairs, they can appoint you to serve with them now as a co-Trustee, or even resign, and let you take over as sole Trustee now.

How to Store That Plan

punch-402558_640Dear Liza: I’ve just completed my estate planning documents using the latest edition of WillMaker Plus, including the will, health care documents, power of attorney, final arrangements, etc. I think all totaled it comes to over 65 pages. I’d like to leave all the documents well-organized so they’re not just a pile of papers that would overwhelm the executor. I’d like to put the documents in a three-ring binder with a table of contents and tabbed for the different sections. Is it legal to hole-punch these documents, either before or after they’re singed and notarized? Would that vary by state? I have never heard of any law that would invalidate documents that were otherwise valid because there are physical holes in the paper. Sometimes my clients make a copy of their documents, hole punch those, and put the copy in a binder, then put the originals in a safe deposit box or safe in their house. It’s great that you are trying to make things easier on your loved ones. Here’s a few other things you could put in the binder: a list of your passwords to online accounts; a list of your accounts, life insurance policies, and other assets; contact information for your heirs and beneficiaries; and a list of people that you work with, if any, such as tax preparers and financial advisors.

Do I Need a Special Needs Trust for a Son on SSDI?

Disability symbolDear Liza:
I have an adult son who is developmentally disabled. He is able to work and receives Social Security Disability Insurance as well as Medicare. Does he need a Special Needs Trust?

I love it when someone asks me a question with a clear answer! Here, the answer is probably not. Your son receives Social Security Disability Insurance (SSDI), which is a benefit that he receives because he was able to work and pay into the Social Security system. This is not a needs-based program like Supplemental Security Income (SSI), which people receive when they are permanently and severely disabled and qualify for this assistance because their resources are limited.  Medicare is an age-based health insurance program, so it’s not needs based either.

Special Needs Trusts are designed to allow parents (and others) to create a trust for the benefit of someone on SSI that can be used to supplement this government benefit without disqualifying someone from the program (and from Medicaid programs, which offer health insurance to those who qualify for SSI). If your son is not going to need SSI in the future, and will continue to receive SSDI and Medicare, then a Special Needs Trust won’t be necessary to protect his ability to continue to receive those benefits. That being said, of course, it still sounds like you need to leave him assets in a trust, with a Trustee who can manage resources for his benefit. This trust, however, does not need to meet the stringent requirements of a Special Needs Trust.

To read more about Special Needs Trusts and the differences between SSDI and SSI, take a look at Special Needs Trusts (Nolo, 5th edition).

Avoiding a Lump Sum Inheritance

pot of goldDear Liza My father wants to leave some of his assets to my brother and sister, however neither of them is particularly adept at handling money and he doesn’t want to hand them a large, lump sum. Can a Will stipulate that they receive payments on a predetermined basis, almost like an allowance? If not, can this be accomplished through another vehicle?

Your father isn’t the only parent worried about leaving money outright to kids.  He has a few options. Your father can leave money in his Will to a trust for the benefit of your brother and sister, and specify how the money is to be distributed to them. The trust itself is a part of the Will.  Leaving money in a trust by way of a Will is called a “testamentary trust,” because the trust is established after your father dies. This will require a probate proceeding in most states.

Alternatively, your father can create a trust now, and in that trust he can distribute assets to trusts for your siblings as well. This will accomplish the same result, but avoid a probate proceeding at your father’s death. Lastly, your father could, in a Will or a trust, instruct the executor or Trustee to purchase an annuity for your siblings upon his death, that pays out a certain amount of money over a certain period of time, or, he could purchase an annuity like that during his lifetime, to be paid upon his death.


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City of Hillsboro By City of Hillsboro The Oregonian
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on April 26, 2012 at 2:01 PM, updated April 26, 2012 at 2:08 PM

GFRCAerial2008_skyshots_sm.jpgAerial photo of the Gordon Faber Recreation Complex/Hillsboro Stadium

The City of Hillsboro will hold an information session for the public to learn more and provide input on the City's opportunity to build a professional baseball stadium at the Gordon Faber Recreation Complex and bring a Single A professional baseball team to Hillsboro. This session will take place at 6 pm on Monday, May 7 at the Hillsboro Parks & Recreation Administrative Offices (4400 NW 229th Ave, 97124).

The City began informal discussions with the NW League in 2011 about bringing a team to Hillsboro. In March, 2012 the Hillsboro City Council gave city staff direction to further explore the possibility which included entering into negotiations with the league, conducting an economic feasibility study and seeking community feedback. The City Council will consider the results of these efforts and decide whether to commit to making baseball a reality in Hillsboro at their May 15, 2012 meeting.

A fact sheet with background, an outline of how the city would fund the construction of the stadium, and next steps can be found at www.ci.hillsboro.or.us (click the "Baseball?" tab). The public is invited to provide feedback through an online survey accessible through the same link, at the May 7 public information session, and possibly at the City Council meeting on May 15.

If the Council decides to build a new stadium, bonds would be issued in time for construction to begin no later than October 2012.


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Freak folk pioneer Castanets to enchant Suba

Michael Sedor | By Michael Sedor |
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on October 29, 2008 at 8:45 AM, updated October 29, 2008 at 8:50 AM
Brooklyn-based psychedelic folk recording artist Castanets is making a special central Pennsylvania visit to Suba Tapas Bar on Thursday, October 30. The show is set to begin at 8 p.m. and is FREE!

Castanets is led by the fabulously-bearded Raymond Raposa whose acoustic, indie, Gothic folk tunes have been lauded by critics for their dark vision and spare melodies.

Castanets is currently touring in support of City of Refuge, its fourth album released on the influential Ashmatic Kitty label.

Opening is Massachusetts sadcore band Tiger Saw and Harrisburg's own Miss Rebecca Marie, co-lead singer of Brave the Day.

This should be a very sophisticated and involving night of music.

Below is Castanets music video for "A Song Is Not the Song of the World" and below that is a live Tiger Saw performance of their song "Won't You Let Me":


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Test match physics

A cricket ball sitting in grass

A cricket ball at rest

By Margaret Harris

Late yesterday afternoon, I was pottering around with the BBC’s Test Match Special on in the background when something in the cricket commentary caught my attention. In-between the usual chatter about English bowling (good), Indian batting (bad) and the latest cakes delivered to the TMS commentary box (excellent), the conversation suddenly turned to physics – specifically, to the question of whether a ball could gain speed after nicking the edge of a bat.

The matter was raised after an Indian batsman, V V S Laxman, edged a delivery from Jimmy Anderson, an English bowler. The ball spurted off towards England’s captain, Andrew Strauss, who couldn’t quite catch it. After lamenting the missed opportunity, one of the TMS commentators suggested that Strauss might have mistimed his catch because the ball gained speed after glancing off Laxman’s bat. The commentators then spent the next several minutes talking a load of old rubbish about whether this was physically possible.

Then, shortly after 6 p.m., a secondary-school physics student, Laurence Copson, sent a message to the BBC’s online commentary team claiming that no, it wasn’t possible. “Removing all external forces on the ball, under no circumstance would the ball gain speed after a nick…as [the] bat would be slightly hitting the ball in the opposite direction,” he wrote. However, he did add a caveat: “What may be deceiving is if the batsmen swipes, catches an edge and then the ball gains top-spin and seems to reach the ground quicker than usual.”

This analysis was quickly contradicted by Rob, a university astrophysics student, who pointed out that Copson was neglecting both the elastic coefficients of ball and bat, and (more importantly) “the spin on the ball before it hits the bat which, if very fine, may accelerate the ball…in the direction of spin (like a car with its wheels spinning hitting the ground goes forward)”.

This seemed fair enough, but Rob’s parting shot – ”this is the real world, external forces on the ball can’t be discounted!” – struck me as rather snide, so I decided to do some analysis of my own.

I began by making three assumptions. First, I assumed that Laxman’s bat was completely “dead” when he blocked Anderson’s delivery – in other words, the ball just bounced off the bat, without Laxman introducing additional kinetic energy. I also assumed, initially, that the collision was completely elastic, and that it transferred all of the ball’s “spin” kinetic energy into “linear” kinetic energy. These last two assumptions represent the best-case scenario for converting the ball’s angular momentum into linear momentum – and thereby absolving Strauss of blame.

With the moment of inertia I of a solid ball being 2/5 mr2 , and the rotational kinetic energy 1/2 Iw2 (where w is the angular velocity in radians per second), I get an “inbound” total kinetic energy of 1/2 mv12+ 1/5 mr2w2. This must equal the “outbound” kinetic energy 1/2 mv22 since we’re deliberately ignoring the inelastic nature of the collision and assuming the ball isn’t spinning at all afterwards.

Not being a cricketer myself – I’m American, so I have an excuse – I then hit the Internet to find out the average radius of a cricket ball (3.6 cm), the usual (linear) velocity of balls bowled with spin (around 80 km/hr, or 22 m/s), and their typical rotation rate. There was not much consensus on the latter value, but I took 50 rotations per second (~314 rad/s) as a generous estimate, this being somewhere between the values for golf balls (up to 100 rotations per second) and rugby balls (10ish).

Thus equipped, I solved for the outbound velocity and got 23 m/s. That’s faster than the incoming ball, but not by much – the difference amounts to less than 5%. Throw in the loss of kinetic energy due to heat, sound and deforming the ball and bat, plus the fact that the ball was probably still spinning a bit after it edged Laxman’s bat and headed towards Strauss, and we’re looking at a pretty negligible change. To make matters worse, Anderson isn’t a spin bowler; he’s a paceman, meaning he relies on speed rather than spin-induced unpredictability to trip batsmen up. So that figure of 50 rotations/second is way, way too generous.

In summary, my view is that:
1. Strauss can’t blame his missed catch on physics
2. Copson the school student was wrong on the details but right about the ball not gaining much speed
3. Rob the astrophysics student shouldn’t be so quick to jeer about the “real world”

But if you have other ideas on this particular cricket problem, send us an e-mail to I’d be especially interested in any analysis that does not assume that Laxman was passively blocking the ball, since this is purely a simplifying assumption, not one made to illustrate a best-case scenario.

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Bubble, Bubble, Toil and Trouble?

Some see economic bubbles boiling up everywhere: the real estate bubble, the current tech bubble (the one in the late ‘90s went pop!), and even new bubble “currencies” like Bitcoin are raising concerns.

Is this Bubble Trouble? That’s hard to say.

Bubbles happen in almost every economy and they’re nearly impossible to predict in advance. But when they burst, they can have big economic repercussions. That’s all the more reason to understand bubbles and how to potentially protect your portfolio from their impact.

What are bubbles?
Market bubbles develop when people notice the fast rise in the value of an investment (such as a stock). In hopes of profiting from further increases, investors buy more and more even though the price is much greater than the investment’s actual value.

Once people realize the investment is priced much more than it’s worth, the bubble pops. That’s when the price of the investment plummets, and many investors lose much (if not all) of their initial investment.

Overall, bubbles are a natural part of the economic cycle and they’ve been around for centuries. Take the Holland tulip bubble of the 1600s, for instance.

In 1636 – 1637, the price of certain varieties of tulip bulbs rose incredibly fast. Before long, people were trading their life savings to buy more tulip bulbs. Prices rose higher and higher until, at the height of the bubble, a person could trade a single tulip bulb for an entire estate.

Once the bubble burst, that same bulb would only fetch the price of a common onion. Virtually all citizens of Holland suffered, if not from the loss of their life savings, then from the resulting economic crash.

It may seem outrageous that such a financial craze could happen over a mere tulip bulb. However, you never know what will start a bubble — or what will cause it to crash.

We might snicker at those dopy Dutch. But take the dot-com bubble of the ’90s. In 1995, the excitement over the fast-developing technology and the so-called “new economy” grew to a frenzy. Investors were more interested in the next big idea than in evaluating business plans.

On March 10, 2000, the Nasdaq Composite peaked at 5,046.86. Just 10 days later, the Nasdaq had fallen by 10 percent. And by 2001, the bubble was deflating at full speed. After using up their venture capital, many startups went under, having never made a profit.

Can you protect your portfolio?
Predicting the next market bubble is next to impossible. However, you can consider taking steps which may protect your portfolio from its impact:

  • Diversify. Keep your portfolio diversified among different asset classes and even different investment approaches (for example, exposure to commodities, natural resources, or hedged strategies are now offered to retail investors through products like mutual funds).
  • Focus on the long term. Avoid making large investments in the latest “big thing.” Instead, stick with your investment plan and focus on the long term.
  • Keep your monthly expenses low. When the bubble bursts and the economy falters (or crashes), you don’t want to be stuck with high monthly expenses like credit card debt, a ballooning mortgage, or big car payments. Keep your costs low during the good times so you’ll be prepared for the bad times.
  • Know your risk tolerance. If you just can’t stomach the thought of a 30 percent drop in your investments, make sure your portfolio allocation reflects that, and stay away from high-risk investment options.

Get professional advice
Not sure if your portfolio is ready for the next bubble? A financial professional can help you create a balanced portfolio that reflects your goals and your tolerance for risk.

While this communication may be used to promote or market a transaction or an idea that is discussed in the publication, it is intended to provide general information about the subject matter covered and is provided with the understanding that none of the member companies of The Principal® are rendering legal, accounting, or tax advice. It is not a marketed opinion and may not be used to avoid penalties under the Internal Revenue Code. You should consult with appropriate counsel or other advisors on all matters pertaining to legal, tax, or accounting obligations and requirements.

Asset allocation/diversification does not guarantee a profit or protect against a loss.

Long/short investing does not guarantee lower risk associated with equity markets, capitalization, sector swings, or other factors and may have higher turnover with additional tax consequences. Short selling risks include investment loss and added costs to cover short positions. Investments in natural resource industries can be affected by disease, embargoes, international/political/economic developments, variations in the commodities markets/weather, and other factors. Investing in derivatives entails specific risks regarding liquidity, leverage, and credit that may reduce returns and/or increase volatility. Use of alternative strategies may magnify risk. Securities such as bonds, equities, international and emerging market securities, and currencies are subject to risks associated with market and interest rate movements.

Principal Funds, Inc. is distributed by Principal Funds Distributor, Inc.