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http://missouri.hometownlocator.com/mo/ste.-genevieve/lawrenceton.cfm	Lawrenceton ( in Ste . Genevieve County , MO ) Populated Place Profile Lawrenceton : Basic Facts & Information Lawrenceton GNIS FID : 736314 ) is a populated place located within the Township of Jackson , a minor civil division ( MCD ) of Ste . Genevieve County The elevation of Lawrenceton is 568 feet . Lawrenceton appears on the Lawrenceton U.S. Geological Survey Map . Ste . Genevieve County is in the Central Time Zone ( UTC - 6 hours ) . Ste . Genevieve County Subdivisions ( MCDs ) \| Cities & Towns \| ZIP Codes Features airports , churches , hospitals , etc . Also See : Nearby Photos \| Nearby Hotels \| Driving Directions Research a Missouri Address and get . . . Boundary Maps , Demographic Data , School Zones Review maps and data for the neighborhood , city , county , ZIP Code , and school zone . July 1 , 2018 , data includes home values , household income , percentage of homes owned , rented or vacant , etc . Mapped Location of Lawrenceton × + − Leaflet \| Map data © OpenStreetMap contributors BIG Map Driving Directions \| Terrain Map Satellite Map \| Data Source - USGS GNIS FID : 736314 BOUNDARY MAPS : Township of Jackson Quick & Easy Ways to . . . Get Current Demographic Data for Cities , Towns , and ZIP Codes View Boundary Maps , for Cities , Towns , and ZIP Codes Locate Physical , Cultural , and Historical Features Research Public Schools & Attendance Zones Nearby Cities , Towns & Census Designated Places Grayhawk CDP , MO ( 4.3 miles ESE ) Bloomsdale , MO ( 5.6 miles ENE ) Weingarten , MO ( 7.2 miles SE ) Leadington , MO ( 13.3 miles SW ) Desloge , MO ( 13.8 miles WSW ) Bonne Terre , MO ( 14 miles WSW ) Park Hills , MO ( 14 miles WSW ) Prairie du Rocher , IL ( 14 miles NE ) Farmington , MO ( 14.2 miles SSW ) Sainte Genevieve , MO ( 14.4 miles E ) Nearby Neighborhoods , Subdivisions & Other Small Populated Places Rocky Ridge Ranch , MO ( 4.3 miles ESE ) Kinsey , MO ( 4.5 miles N ) French Village , MO ( 4.7 miles W ) Lake Forest Estates , MO ( 5.5 miles ESE ) Mill , MO ( 5.6 miles SSW ) Valley View , MO ( 6.3 miles NNE ) Koester , MO ( 7 miles NW ) New Offenburg , MO ( 7.1 miles ESE ) Sprott , MO ( 7.1 miles S ) Millers , MO ( 7.5 miles SSE ) Missouri Census Data Comparison Tool Compare Missouri July 1 , 2018 Data Data Population Population Density Diversity Index Average Household Income Per Capita Income Locations Cites & Towns Counties ZIP Codes Highest or Lowest Show Highest Values Show Lowest Values Results Show 20 Results Show 200 Results	[ "Lawrenceton", "Genevieve County , MO", "Populated Place" ]
http://missouriozarksvacation.com/recreation/index.htm	Vacation in the Outdoor Recreation Capital of the Missouri Ozarks ! Missouri Ozarks State Parks , Hiking , Biking , Golf , Float Trips , Horseback Riding , Birdwatching , Wineries & Golf In the Arcadia Valley Region and Black River Recreation Area of Southeast Missouri If you long to see and experience a special place where the earth and its community of life are untrammeled by man , containing ecological , geological , or other features of scientific , educational , scenic or historical value , make your plans to visit our unique area of the Missouri Ozarks . Our region is blessed with the most beautiful Missouri Ozarks State Parks , National Parks and Missouri Conservation Areas , providing unlimited recreational activities for the avid sportsman or sportswoman ! Whether you love camping hiking , backpacking , hunting fishing floating horseback riding or mountain biking , your Missouri Ozarks Vacation in the Arcadia Valley Region and Black River Recreation Area will provide unlimited outdoor enjoyment . For those of you who prefer less strenuous outdoor activities , we have beautiful picnic areas , the best places in the Missouri Ozarks to go bird watching , and southeast Missouri wineries nearby . Tour wine country while you ' re here ! Play golf at one of our fine courses , go shopping for antiques and collectibles , or tour our historic towns and villages brimming with historical landmarks and 1800 ' s architecture . We have something for everyone in our beautiful Missouri Ozarks ! Missouri Ozarks Float Trips on the clearest stream in Missouri , The Black River Enjoy Missouri canoeing at its best , or choose to take a relaxing float trip in rafts , tubes or kayaks . Black River floating is a pleasure for veteran and novice floaters alike , offering an ever changing outdoor experience spring through fall . The river is clear and beautiful as it gently moves through dense wooded forests and green meadows , winding past tall cliff walls dotted with caves and fern greenery . Click here for our directory of Missouri Outfitters on the Black River Missouri Ozarks Horseback Riding , Trail Riding and Scheduled Trail Rides Whether you have your own horse and are searching for a place to go where you can bring your horses and ride on thousands of acres of property , or are an inexperienced wrangler needing an experienced guide to show you the ropes , all of your dreams will be met in our region of Missouri Ozarks . Take part in annual week - long trailrides , or come for a weekend of horseback riding fun with your family . Experience a real country vacation this year at our " horse friendly " campgrounds and resorts ! Cowboys and Cowgirls Read more here and experience our beautiful Ozarks on horseback ! The Most Beautiful & Spectacular State Parks in the Missouri Ozarks , plus the Ozark Trail , Mark Twain National Forest and unlimited hiking and biking trails are here waiting just for you to explore . Taum Sauk Mountain State Park - Want to hike to the top of a mountain ? Just park in the lot of Taum Sauk Mountain State Park and walk a mere 1,000 feet on a paved path to Missouri ’ s highest point . Here , an elevation marker sits , guiding visitors to the mountain ’ s 1,772 foot summit . If that ’ s not enough , the hike to Mina Sauk Falls will take your breath away . Read in depth information about Taum Sauk Mountain State Park here . Elephant Rocks State Park - A train of circus elephants dance trunk - to - tail to form an awe - inspiring sight to the young and to the young at heart . This is the appeal of Elephant Rocks State Park , named for a train of gigantic pink granite boulders perched atop a hill , just like circus elephants ! Read comprehensive information and see photos of Elephant Rocks here Johnson ' s Shut - ins State Park - Nearly 1.5 billion years ago , violently explosive volcanoes hurled hot gasses and ash into the air . The ashes and gas fell and cooled , forming rhyolite rock . A billion years later , shallow inland seas swallowed the ancient , worn - down mountains , burying the igneous rock under thousands of feet of sedimentary rock such as limestone , sandstone , shale and dolomite . Read much about Johnson ' s Shut - ins here and the unique geology of the park at missouristateparks . net Special Announcement ! Johnson ' s Shut - Ins State Park has reopened This day - use area includes the shut - ins , picnic areas , a series of pedestrian trails , access to the East Fork of the Black River , several interpretive shelters and the park store . Visitors can access the scour channel from a new trail , which can be accessed from Highway N . The park will be open from 8 a.m. to 7 p.m. daily and the store is open from 10 a.m. to 5 : 30 p.m. daily . From MO State Parks The Mark Twain National Forest is popular with hunters , trappers , anglers and persons who enjoy observing , studying and photographing wildflowers and wildlife . The Forest has about 320 species of birds , 75 species of mammals and 125 species of amphibians and reptiles . Game species include whitetail deer , turkey , quail , woodcocks , doves , ducks , geese , rabbits , raccoons , squirrels , opossums , woodchucks , bobcats , and coyotes . Named after Missouri native , Mark Twain , the Mark Twain National Forest is located in 29 counties across southern and central Missouri . Our read much more about The Mark Twain National Forest and the Sutton Bluff Recreation area click here . The Ozark Trail ~ Missouri Ozarks Sections in Iron and Reynolds Counties The Ozarks are one of the most spectacularly diverse places on Earth . They offer everything from mountains , knobs and hills dotted with caves and igneous glades and scattered with hardwood forests and stands of pines — to beautiful valleys filled with clear , meandering streams fed by sparkling springs and an abundance of wildflowers and wildlife . In order to allow the world to fully enjoy the magnificence and splendor of this ancient treasure trove of natural beauty , the idea for the Ozark Trail was conceived . In the 1970s work began on a vision to build a scenic and varied route in the Missouri Ozarks , from just outside St . Louis southwest to the Arkansas border , to eventually connect with the Ozark Highlands Trail , creating a 700 - mile through - trail . Governmental agencies , environmental groups and dedicated bands of volunteers have now completed over 350 miles of the Missouri section of the Ozark Trail . For an in depth look at the Ozark Trail Sections in our region , see missouri - hiking . com The above listed are just a few of the spectacular outdoor recreational areas in our Region . To read about Buford Mountain State Forest , Crane Lake Conservation Area , Bell Mountain Wilderness Area , Ketcherside Mountain State Forest , Marble Creek Recreation Area , Millstream Gardens Whitewater Area , Silver Mines Recreation Area , Council Bluff Lake , Grasshopper Hollow , The Royal Gorge , Logan Creek Conservation Area and Deer Run Conservation Areas click here and you ' ll see why we are the outdoor recreation capital of Missouri ! Click to learn about the Southeast Missouri Hunting and Fishing areas in our Missouri Ozarks region . Visit Southeast Missouri Wineries Before prohibition , Missouri was the country ' s second leading wine producer , behind only New York . Today , a new generation of well - educated winemakers , healthier lifestyles , and the increasing consumer demand for locally brewed spirits has once again catapulted Missouri ' s wine industry into the international spotlight . Growing 70 percent since 2001 , Missouri now ranks 11th in the nation . Missouri wines are once again winning national and international acclaim . Read more and see a listing of Southeast Missouri Wineries nearby Missouri Ozarks Birding , Bird Watching in the Missouri Ozarks ! Bird watching , often called birding has quickly become the most popular spectator sport in America . Anyone at any age can participate in this rewarding activity . Of the over 800 species found in North America , over 400 different kinds of birds have been identified in Missouri . The reason for this abundance of birds is open space and the diversity of habitat . Our region is undoubtedly one of the best areas in the Missouri Ozarks for bird watching . To see photos , learn about bird watching tips and to find the best places in the Missouri Ozarks for bird watching please visit missouribirdwatching . com Golf Courses in Our Region Arcadia Valley Country Club - This is a public , regulation length , 9 - hole , 36 par course located at the Arcadia Valley Country Club facility . Opened in 1930 , the fairways were built on rolling terrain and the greens are elevated . Water hazards ( lakes ) come into play on three holes . Hwy 72 , Ironton , MO Call ( 573 ) 546 - 9508 Crown Pointe Golf Club This 4 1 / 2 star , award winning public course was designed in 1993 by Gary Kern . Located on 208 acres , this par 72 links - style course is 7069 yards in total length and features four par threes , ten par fours and 4 par fives . The fairway and tee boxes are a bluegrass and rye blend , while the greens are planted with bent grass . Enjoy private club style amenities while enjoying the convenience of Crown Pointe ' s public course status . 4215 Hunt Rd , Farmington , MO Call ( 888 ) 756 - 6660 to book tee times . Viburnum Golf and Country Club - Established in 1974 , this public 9 - hole , 3226 yard , regulation length public golf course also has a 4 tee driving range . On your way to or from Dillard Mill State Historic Site , stop off and play a round of golf . The club is located on Hwy Y in Viburnum , MO . Call ( 573 ) 244 - 5688	[ "Missouri Ozarks", "Vacation" ]
http://missourispirits.com/	Missouri Spirits Now serving … Order up ! Check out our menu SELF - RELIANCE AND INGENUITY YOU CAN TASTE . We refine Springfield ’ s brusque history of shootouts , vigilantes , and whiskey payouts to the smooth finish of Ozark independence . As Springfield ’ s first and only spirit house , Missouri Spirits offers you a glimpse into the heart of Missouri with every glass . Bourbon Whiskey Vanilla , oak , & caramel notes with a hint of spice . Created with a unique blend of midwest - grown corn , rye , and malted barley , our whiskey is aged a minimum of two years in new , charred , white oak casks made in Lebanon , Missouri . Enjoy an Old Fashioned with this king of American whiskey and drink to the spirit of Missouri . 80 proof . “ We built Missouri Spirits to give Springfield Spirit drinkers a place to call their own . Springfield has had great beer for over 16 years , now it ' s time we have great spirits . " Scott Shotts , Founder Purchase Missouri Spirits are available at the following locations : search provided by Store Locator Plus Enter an address or zip code and click the find locations button . Social About Us We ’ re Springfield ’ s first and only spirit house . And this is not a position we take lightly . Each spirit is meticulously crafted to be a celebration of Missouri . From midwest - grown ingredients to locally - made barrels , we pour some of what we call home into each batch . Missouri Spirits is a place for local spirit drinkers to call their own . As a young and growing spirit house , our story begins with you .	[ "SELF-RELIANCE", "INGENUITY" ]
http://misucatskills.org/	MISU Announcements The thirteenth and final concert in the 2018 series will be our Holiday Celebration This is our 12th annual Holiday Concert Our performers will be our SUNY Ulster and MISU community ensembles as well as guest artists December 20th 2018 at Saint Johns Church at 40 Market Street Ellenville NY at 730 PM Tickets Adults 15 SeniorsStudents 10 and children under 12 are free Who We Are Under the direction of Anastasia Solberg the Music Institute of Sullivan and Ulster Counties located in Ellenville NY offers instruction in violin viola piano voice guitar music theory and more for students of all levels and ages Chamber music and ensemble experience for violinists violists cellists and double bassists of any playing level can be had in one or more of our four orchestras Mission Based on the belief that music within a social environment can enhance interpersonal relationships selfexpression and personal growth the Music Institute of Sullivan and Ulster Counties provides opportunities for people of all ages to develop their varying levels of musical experiences in an environment that acknowledges and nurtures the whole person Who We Are Under the direction of Anastasia Solberg the Music Institute of Sullivan and Ulster Counties located in Ellenville NY offers instruction in violin viola piano voice guitar music theory and more for students of all levels and ages Chamber music and ensemble experience for violinists violists cellists and double bassists of any playing level can be had in one or more of our four orchestras Mission Based on the belief that music within a social environment can enhance interpersonal relationships selfexpression and personal growth the Music Institute of Sullivan and Ulster Counties provides opportunities for people of all ages to develop their varying levels of musical experiences in an environment that acknowledges and nurtures the whole person	[ "MISU" ]
http://mitch-juniorblog.blogspot.com/2012/09/the-declaration-of-independence.html	The Declaration of Independence , written by mostly Thomas Jefferson , has been one of the most influential documents ever written . Its influence goes beyond the shaping of our own country , and remains the basis for many others like it . Though it is such a remarkable piece , this great work of literature does have its blemishes . The Declaration of Independence contains a number of propaganda techniques and minor errors in faulty logic including negative labeling , false statements , and exaggerations that are used to promote the cause of freedom in America . Negative labeling , also known as name calling , is the most used propaganda technique in The Declaration of Independence Thomas Jefferson refers to the King of England as a “ tyrant ” and an ignorant king ( Jefferson 122 ) .By using these terms in reference to nobility , Jefferson is tearing down his opponent and backing up his reasons with logical facts . Name - calling adds to the effect of King George the Third ’ s mistreatment of America and promotes the cause of freedom in an appealing way to the patriots . Another negative label that Jefferson places in this important piece of literature is on the Indians . He refers to them as “ merciless Indian savages ” which also promotes the idea that the Americans are doing the right thing , while the Indians are causing so much trouble . ( Jefferson 124 ) . This also comes from a negative view of the natives due to constant struggle for desired land between the opposing factions . False statements are another propaganda technique that is used to make The Declaration of Independence more appealing . These instances are not direct lies , but they do not tell the full truth either ( Recognizing 1 ) . The most apparent example of this is within the first few lines where Jefferson states “ that all men are created equal ” . Although many Americans would like to believe this , our society proves that this is not the case . The same was true for Americans back in the late eighteenth century also . The upper and middle class have always dominated government . Everyone may have the right to vote , but the treatment of various groups is very different . By adding this statement into The Declaration of Independence , Jefferson gained the support of the lower classes by promising them equality . Though equality still has not occurred , it has become much closer since the colonial times . Exaggerations are the final propaganda technique and errors in faulty logic that is recognized in Thomas Jefferson used these literary devices to emphasize his point and make English rule in America look worse than it was . An example of this is Jefferson ’ s explanation of why England changed the government of Canada . By “ establishing therein an arbitrary government , and enlarging its boundaries , so as to render it at once an example and fit instrument for introducing the same absolute rule into these colonies ” ( Jefferson 124 ) . Threatening America was not the sole reason that Canada ’ s form of government changes , so Jefferson was exaggerating his point to make the English look like the enemy . All the exaggerations that he uses are slight so they fit into the Declaration well , and do not take away from the overall argument . Propaganda techniques and sources of faulty errors in logic like exaggerations , false statements , and name - calling , are spread throughout The Declaration of Independence All of these examples are only seen in subtle locations and are used to increase the impact and appeal of this work of American literature . The Declaration of Independence has long been one of the most important documents written by an American , and will remain to be because of its power and guaranteed rights to all people . Jefferson , Thomas . " The Declaration of Independence . " Glencoe Literature . Columbus : McGraw - Hill , 2009 . 120 - 24 . Print . " Recognizing Propaganda Techniquesand Errors of Faulty Logic . " Recognizing Propaganda - - Guide to Critical Thinking - - Academic Support . N.p. , n.d. Web . 25 Sept . 2012 . < http : / / academic . cuesta . edu / acasupp / as / 404 . htm > .	[ "The Declaration of Independence", "documents", "Thomas Jefferson" ]
http://mitchatkinsfinramembershipapplications.com/finra-bd-startup-cost/	FINRA BD Startup Cost [ wr_row ] [ wr_column ] “ What is the FINRA BD Startup Cost ? ” That is a question frequently fielded by FirstMark Regulatory Solutions , a broker - dealer consulting firm which helps individuals form new FINRA broker - dealers . And , when providing the answer to this question it is often complex and variable , depending on the nature and size of the planned business . So let ’ s walk through an some of the fees . The first step in the journey to owning a new broker - dealer is the filing of a FINRA New Member Application ( or NMA ) . Consultants like FirstMark often charge a flat fee for their services in handling the application from the start all the way through the FINRA approval . While using a consultant can add to the FINRA BD startup cost , it can save quite a bit of time if you hire a FINRA NMA expert . This process is complex and can take 6 months or longer . FINRA ’ s rules permit it After settling on a fee with your consultant , there are other fees that will be required . First , FINRA requires a fee . FINRA NMA fees , which can be found on page 8 , vary based on the proposed size of the broker - dealer . And here size means number of registered persons proposed at the start of the application . So for a broker - dealer with fewer than 10 registered persons , the FINRA fee is $ 7,500 . That fee ranges all the way up to $ 55,000 for members with over 5,000 registered persons . But the reality is that the vast majority of the applications are for those with 10 or fewer persons . The Small Fees Can Add Up in Calculating FINRA BD Startup Cost In addition to the FINRA fee , an applicant will be required to pay registration fees for branch offices it desires to maintain ( $ 75 / branch ) , disclosure processing fees for any disclosures required to be reported on Form U4 ( $ 95 / each ) , fingerprint fees ( $ 30 / each ) , principal and representative application fees ( $ 85 / person ) , exam fees ( varies depending on exam – $ 290 for the Series 7 ) , registered representative state registration fees ( varies depending on state – $ 60 So as you are probably beginning to see , the FINRA BD startup cost can quickly add up . Clearly , registering a broker - dealer is not an inexpensive proposition . But the rewards can also be substantial . The list above is certainly not all inclusive , but designed to give an idea of the fees and capital required . A rule of thumb is that for a small broker - dealer , a minimum initial capital investment of between $ 75,000 and $ 150,000 is required . Because the costs vary substantially depending on the nature of If you have questions about becoming a FINRA member , or about the FINRA BD startup cost , seek the services of a FINRA NMA expert . Mitch Atkins , FINRA ’ s former South Region Director , has extensive experience with FINRA new member applications , having previously overseen the membership application function at the regional level . If you have questions about a FINRA CMA or NMA , contact Mitch Atkins , Principal of FirstMark Regulatory Solutions at 561 - 948 - 6511 . June 24 , 2015 Mitchell Atkins , CRCP finra nma FINRA NMA Expert mitch atkins finra mitch atkins finra membership applications	[ "FINRA BD", "NMA" ]
http://mitchellcounty.tax/	Welcome to Mitchell County Tax Please Excuse Our Mess We are going through a website redesign Within this site you will find general information about the District and the ad valorem property tax system in Texas as well as information regarding specific properties within the district Mission Statement We are dedicated to serving our citizens with professional accurate effective service Mitchell County Tax Office Sylvia Clanton Tax Assessor Collector The Mitchell County Tax office collects for the following entities Mitchell County Colorado ISD City of Loraine Loraine ISD City of Westbrook Westbrook ISD City of Colorado City Lone Wolf Ground WD Mitchell County Hospital	[ "Mitchell County Tax", "Sylvia Clanton Tax Assessor" ]
http://mitchellfusion.com/serve	Serve We believe that the Church is made up of people with unique gifts talent abilities passions and callings that when used for a common purpose can change lives through the hope of the Gospel of Jesus Christ We are better together and everybody has something to offer To serve is to follow the example of Jesus We encourage people to serve believing that through service we grow as disciples learn about ourselves and remember that whatever we do for the last and the least we do for the Lord Matthew 253146 missional partners Because the Church is so much more than just the congregation at Fusion we believe in partnering in Gods work in the world by financially supporting service organizations and ministries that are strategically called to engage in mission where Fusion can not Our goal is that 15 of Fusions budget would support the efforts of these ministry partners Monthly Missions partners Each month we feature a different Missions partner that includes organizations both locally and globally who we support monetarily and through special giving and service projects First time visitor donations Every week we offer to make a 5 donation on behalf of our first time visitors to one of six organizations The organizations that we support through these efforts include Mitchell Regional Habitat for Humanity Mitchell Weekend Snackpack Program Abbott House Tree of Life Ministry Rosebud SD LaGonave Alive Haiti and AsOne Ministries Uganda How to Serve Spiritual Gift Inventory Want to serve but arent sure where to start A helpful first step may be to start with what you are gifted for Ministry Matters has a free spiritual gifts inventory that you can take by simply creating a profile on their page After taking the inventory you can learn more about your gifts by exploring the descriptions of the gifts listed on the site The inventory and descriptions can be found here Serve Card Want to get more information about what different ministry areas at Fusion do and how you can help out Fill out our online Serve Card Fill out the Serve Card and a staff member will be in touch with you to get you more info about volunteer opportunities Filling out the card does not commit you to volunteer in an area but instead begins a conversation where we will work with you to find a place to serve that is in line with your gifts talents and passions Our Ministry Prison Ministry Fusion is proud to partner with the work of Living Stone Prison Church at Mike Durfee State Prison in Springfield SD Once a month a team from Fusion travels to the prison to be a part of the service to inmates in an effort to share the hope and fellowship of Jesus Christ If you would like to be a part of this great ministry you will need to fill out a waiver form as well as a DOC access approval form with any questions Missions The call to make disciples in Matthew 28 is a global one so we believe that our call is to be engaged in discipleship on a global scale as well This is done through ongoing ministry partnerships as well as through the frequent sending of teams to places like Rwanda Uganda Haiti and Guatemala Our ministry partnerships with Dakota Wesleyan University EEI LaGonave Alive and others provide us with great opportunities to be a part of ongoing life and culture change through community development and education while also giving us a greater appreciation for the image of God represented in those that we serve Local Outreach We believe that love must be made practical and should be expressed through our actions not just our words Whether it is participating in a community clean up day through Dakota Wesleyan University or the United Way participating in a build for Habitat for Humanity or building garden boxes for the ladies at the Abbott House we feel called to find practical ways of expressing our love through service Projects vary throughout the year and as needs arise and we are always looking for ways that we can be actively engaged with the Mitchell area in order to show people	[ "Serve" ]
http://mitsumaruhk.com.hk/	Mitsumaru Electrical Trading Company Limited was originally established in 1987 Under our group the manufacturing facilities are located in Foshen in mainland China and our export departments are based in Hong Kong We are a specialized in quality electrical appliances like electric hot pot rice cooker multi cooker and induction cooker Muiti Cooker MC130A	[ "Mitsumaru Electrical Trading Company Limited" ]
http://mixedmentalarts.co/jordan-peterson-doesnt-understand-the-relevant-philosophy/	Jordan Peterson Does n ’ t Understand the Relevant Philosophy James Sullivan Jun 11 , 2017 43 6 17535 Let me start by saying that I think Jordan Peterson is an important intellectual . His narrative work , his psychological and biblical work are really fascinating to me . But Peterson is wrong about postmodernism . First , understand that postmodern thought is not a single thread of ideas , so his rejection and mischaracterization of postmodern philosophy is as absurd an idea as a rejection of all ancient philosophy or all of modern thought . Postmodern thought has primarily affected art philosophy , and history . I can only speak to history , but given that Peterson has said postmodernism means an end to history , my explanation should suffice . “ History is decided by its victors . ” First , understand that the “ post ” in postmodern is not an overcoming or death of modernity in order to give rise to the postmodern . That idea is inherently modern . History before the Enlightenment told cyclical narratives that were multifaceted and complex , of humans interacting with each other and the world . M odern historiography developed into historical narrative in Judaeo - Christian terms : the idea of the long arch of history bending towards salvation or overcoming or progress . In short , the Hero ’ s Journey . Peterson ’ s work reflects this . Postmodern thought simply questions the completeness of that concept . There is no “ end of history . ” That ’ s absurd . Rather postmodernism calls for a dissolution of the historical narrative as a singular course of events . We often hear the phrase “ history is written by its victors . ” That is the modern worldview . That is the hero ’ s journey , because the villain can never triumph . Right ? History is a much more complex narrative than modern thinkers would like to admit . And these stories are never complete . There are always more stories that branch from others in the spider ’ s web of history . And that ’ s the point . History is never fully precise and our work in understanding the past is never finished . Now , on philosophy , Peterson seems to be confused . I ’ m not sure if Peterson believes that Marxism is the necessary conclusion of all postmodern thought , or even if it is , why he believes this to be true . Peterson takes great issue with Marxism , which is fine , but defeating the Marxist ideology does not defeat postmodern thought . Marxism is not the same thing as postmodernism . Furthermore , we do not dismiss all of ancient philosophy for Aristotle ’ s bad ideas , nor modern philosophy for Descartes ’ s . They were thinkers whose ideas had unforeseen consequences . The Relevant Philosophy The thinkers most responsible for the social justice movement that I think Peterson wrongly attributes to the entirety of postmodernism are Jacques Derrida and Michael Foucault . Both are highly regarded postmodern French philosophers . Peterson really hates Derrida primarily for his association with Marxism but even philosophy students who love Derrida hate his writing , which is dense and difficult to read . Philosophers , Continental E philosophers in particular , are deliberately ambiguous and obfuscatory . They are definitely not litigious and easy to digest like John Locke or Edmund Burke . Derrida ’ s difficult writing is a porthole to his philosopher ’ s mind and inner dialogue . He was struggling with these ideas too , that ’ s why he was Foucalt and Derrida had more than one disagreement themselves But why does Peterson center his focus on Foucault and Derrida ? Does he not understand all relevant philosophy ? I would n ’ t say that he does . You can study philosophy your entire life and not read a word of Derrida . Most prefer it that way . Peterson may be familiar with Lacan and Deleuze as he has mentioned , if he were to claim that Deleuzean thought leads to fascism there is might be merit to that argument . But no mention of Heidegger Guattari Vattimo ? Kuhn ? What about Peterson ’ s most revered thinker , Nietzsche Your browser does not currently recognize any of the video formats available . Click here to visit our frequently asked questions about HTML5 video . That ’ s right , Nietzsche is the pioneer of postmodern thought along with Martin Heidegger . Their breakdown of modernity ’ s ontological presuppositions was a real breakthrough . And this is why I find myself to confused by Peterson ’ s position on postmodernism , because he does n ’ t understand it . If he did , he would realize he is also a postmodernist thinker . Either his beliefs through Nietzsche are postmodern , or he does n ’ t understand Nietzsche — which , ironically , would confirm the postmodern idea that truth is conceptual Again , I think Peterson does great work in his field of psychology . I signed up for his self authoring program and find it unquestionably useful . But we all have blind spots , which is why mixed mental arts is so important ; so that we can collectively have a better understanding of the world around us . Further reading : “ The End of Modernity ” by Gianni Vattimo . The introduction alone explains much of the conflicts Peterson sees in postmodernity . It ’ s 11 pages . Complexity and Post - Modernism : Understanding Complex Systems ” by P . Cilliers . It ’ s behind a pay wall , but I ’ m sure with some good sleuthing , a free ( or at least free to you ) copy can be found . A Poetics of Postmodernism : History , Theory , Fiction b y Linda Hutcheon Against Postmodernism : A Marxist Critique by Alex Callinicos Wikiversity : Historiography Previous Post Ep 262 - The Gospel According to Joe Henrich - Why Do Humans Seem So Smart Compared to Other Animals ? Next Post Ep 261 – Environment Shapes Behavior : Talking Jacques Fresco With Andrew Hunt James Sullivan I ' m just here to poke holes in things . 43 Comments fotbollskläder barn June 12 , 2017 at 5 : 52 am Reply fotbollskläder barn What ’ s up to all , the contents present at this web site are in fact amazing for people knowledge , well , keep up the nice work fellows . Cord Nielson June 12 , 2017 at 9 : 08 am Reply Thanks for this article . I ’ m a big fan of Peterson ’ s , and I ’ m always curious to hear someone poke holes in his reasoning . I ’ m not qualified to discuss philosophy at this level , but maybe I can clarify some things I think you ’ ve missed in Peterson ’ s thinking . To my understanding , Peterson sees Marxism as the necessary conclusion of postmodern thought ( maybe not all of it ) , because when “ the damned French intellectuals ” decided there were infinite ways to interpret the world , and no interpretation was correct or incorrect , they left themselves nothing to do . No goal to move toward . And since they were also proponents of Marxism , they defaulted to that narrative in order to move forward , replacing financial oppression with Identity Politics . Again , this area is where I ’ m least informed , Peterson has recently , and often , brought attention to the fact that using the term “ Dominance Hierarchies ” as he does might not be appropriate , because it ’ s likely the scientists who formulated the idea of Dominance Hierarchies were doing so from a Marxist viewpoint . He ’ s said that the term is more of a shorthand , and that the hierarchies he describes are more like Competence Hierarchies , because boiling the success of an individual down to power alone ( as you claim he does here ) is too simplistic . He even James Sullivan June 15 , 2017 at 7 : 23 am Thanks for the resources , I ’ ll delve into them further tonight . I do n ’ t believe that Marxism is the necessary conclusion of postmodern thought as Peterson does , as evidenced by the many fields in which Marxism does n ’ t play . If I were to put this in MMA terms , Peterson ’ s view is atomistic . This atomism , this hard line dividing , is a product of modern thought and is what postmodernism aims to correct with a more wholistic , inclusive , nuanced vantage . Cord Nielson June 14 , 2017 at 8 : 53 am Follow Up : Link to Peterson exploring the term “ Dominance Hierarchy . ” https : / / youtu . be / R_GPAl_q2QQ ? list = PL22J3VaeABQD_IZs7y60I3lUrrFTzkpat&t = 980 June 14 , 2017 at 2 : 06 pm Here ’ s a powerful video challenging Dr . Peterson ’ s arguments against Postmodernism . https : / / youtu . be / fAPvgybAJQU Andrew Meintzer June 19 , 2017 at 6 : 00 pm Thanks for writing this post . It made me think more about Peterson ’ s position on postmodernism . I should do more research into the other seminal thinkers in this philosophy that you mention . I think I ’ ve been falling into the trap of going along with criticisms of postmodernism , without fully understanding it . While i ’ m a huge fan of Peterson too , I ’ ve also noticed that he praises Nietzsche in terms of “ killing religion ” , and pointing out that there is a hole without it , but then June 20 , 2017 at 4 : 40 am You know , it took me a few encounters with Peterson before I realized my mistake in the going - along with his thread of thought too , and I studied a lot of this stuff . Part of the postmodern condition is the paradox of having so much information and so little . It ’ s easy and in fact compelling to dive into a thinker ’ s perspective and linger there because their answers seem to clear and you do n ’ t see the holes in their logic because you ’ re not being given all of pwlsax June 29 , 2017 at 12 : 55 am Peterson is making a name thru attracting just that kind of goers - along . It ca n ’ t be an accident that his critique of leftish thinking is so vague . I think he knows that if he gets deeply specific with it , it will turn out to be a critique of fundamentalist assumptions , and not just generalizable to everything left of center – and that the young right - leaning crowd he attracts will turn on him . Andrew Meintzer July 2 , 2017 at 4 : 04 pm For sure . I also made the same mistake with Sam Harris . Thomas Brussel June 19 , 2017 at 7 : 18 pm Good point . But where I depart from you , and where Peterson most - likely would too is my consideration of the evolution of post - modern thought and the ideas that have characterised its thinkers during the nearly two centuries that it has existed . Just as Steven Pinker believes that Feminism is in the midst decadent phase , I believe that Post - Modernism is too . I should use Nietszche as a reference point . Nietzche was not a mennquin , he was a man . And if he was not one , it was at This leads to what I think is shady about post - modernism . If you consider the most prominent post - modern thinkers active during the 20th Century , many if not all of them come from belonged to populations that have been historically opressed ; Simone de - Bouvior – a woman , Jacques Derrida – an Algerian Jew , Michel Foulcault – a homosexual and Jean - Paul Sartre – a 5 ’ 3 ″ anxiety - ridden Frenchman with strabismus . What I find most insidious about Sartre was that he belonged to the Bourgoise , a Furthermore , I think it is important to invoke the the falling out of Jean - Paul Sartre and Albert Camus ; both of whom were thinkers one could consider post - modern . On the one hand , Sartre lived in luxury before and after the Second World War . He was also a partisan , could and would not budge from his political convictions for the sake of himself , and more importantly – others . Now , when Sartre said how the Soviet Gulags were a necessary evil durng a La Tempes Modernes board meeting ; Camus Magsa September 27 , 2017 at 6 : 54 pm Thomas , one thing that is ignored by advocates of Foucault is that many of the sources he cited in his works do n ’ t seem to exist . What was he trying to hide ? The convenient excuse is that Foucault was n ’ t ‘ doing history ’ , that he was revealing the contrivance and exposing the limitations of historical narratives etc . That is NOT a sufficient response to a serious allegation , especially when Foucualt ’ s understanding of power is largely drawn from historical analysis . In short , if his view of history is wrong , chances are his understanding of power is too . And that ’ s just the beginning of the problem with many post modernist thinkers . Thomas Brussel June 19 , 2017 at 7 : 20 pm * Excuse me , I meant ‘ mannequin ’ June 19 , 2017 at 10 : 25 pm * God , and I misspelled Nietzsche too . What an intellectual I must be June 19 , 2017 at 9 : 40 pm An excellent critique , Thomas . It ’ s as important to remain critical of postmodern thought as it was to be critical of modernity in modern times , and how every ancient philosopher took the school of philosophy before them to task and built upon it or torn it down . Philosophers are never kings , nor gods , but always human . And yes , postmodernism is going through motions just as modern philosophy and ancient philosophy did before it . And sometimes our philosophers begin with something fantastic and then later fail us miserably ( Zizek ) To what end I do not know . I worry about a progressive movement because if progress must always move us forward then we can never achieve normality , or harmony , and we risk creating problems we do n ’ t have in order to create new solutions in the name of progress . This symptom is what I think Peterson is stressing about and I concede these college campus riots seem to be a symptom of something but I think while the students are borrowing and abusing some postmodern language , identity politics roots itself in modernity . Here ’ s a comment I posted in a facebook thread on postmodernism recently . It goes into some things I left out on here . “ When you speak about postmodernism , you should recognize how broad that field is . Art , history , philosophy , feminism ( and post - feminism ) , ecology , science , and critical theory have all expanded in postmodern thought . Philosophy alone has a world of different postmodern disciplines within it . So when you or Jordan Peterson say that what ’ s happening on campuses is because of postmodernists , it does n ’ t make any sense to me . What about Heidegger and Nietzsche ’ s ontology of Being make this unrest possible If your problem is this radical campus social justice , I ’ d urge you to find me some literature from a postmodern philosopher that argues for this behavior . Identity politics are fundamentally antithetical to postmodernism because they root themselves in categories and the categories , as all categories , are arbitrary . They borrow language from postmodern discourse on power but only superficially and for exploitation . Furthermore , we ’ re seeing this behavior on campuses , from children . They are not the leaders in any kind of intellectual field . For comparison , if I were to speak of modernity the way you and Peterson speak about postmodernity , I would only focus on eugenics and use that as a prop to construct a strawman about modern science and its contributions to society . Would that seem fair to you ? No . Here ’ s something great that came out of postmodern thought : environmental ethics . It started with Aldo Leopold and from him you have John Muir , founder of the Sierra Club , and Henry David Thoreau . I studied under one of the top ( I ’ m working on a three part article that describes the differences between the ancient , the modern , and the postmodern worldview . I ’ ll work harder on it now . pwlsax June 29 , 2017 at 1 : 03 am Unfortunately , with people like Peterson appealing to minds in search of authority as much as anything else , what po - mo is or is n ’ t , or even what identity politics is or is n ’ t , matters little . If he says po - mo leads to Stalinism , Maoism , or baby - eating , and he ’ s the big seeker - after - truth of the moment , they believe it and that settles it . James Sullivan Post author June 30 , 2017 at 6 : 58 pm I think you ’ re right . The more closely I follow Peterson , the less I like the dude . I ’ m finding him really frustrating lately . But a lot of that has to do with how people feeeeeeel about certain aspects or perceived manifestations of postmodern thought . They associate the two and because their feelings towards it are negative , they do not properly engage the source and instead listen to the person telling them what they feel is correct without weighing the merits of his claims . Doolio July 11 , 2017 at 3 : 56 pm I agree . I thought of him as an interesting and engaged lecturer ( I mean , I still do , I think he ’ s a good professor and that he tries to express the curriculum in an appealing way to his students ) who found himself in an uncomfortable situation . The more I see from him , the more he seems like a misguided caped crusader of sorts . He is set in his ways to the extreme and seems to avoid any influx of different notions , even when it comes to a mere discussion and exchange , let alone more practical things . His reasons for that also seem too subjective , to put it that way . Some of his relentless criticism is , frankly , confusing . I honestly do n ’ t see how , for example , Lacan , attacks Peterson ’ s positions and in what way . What exactly is Peterson protecting from him and why ? And why does he insist on the whole “ he writes weirdly in order to hide hollowness ” when that ’ s demonstrably not the case … what about Nietzsche ? He seems to value him immensely , although Nietzsche was often way more cryptic and hard to follow than Lacan ( although I like I always found it to be odd . Like a misleading critique of something that ’ s sideways to his agenda and irrelevant when it comes to the point of large social shifts that Peterson is concerned about . Post author July 13 , 2017 at 7 : 45 pm This was my point . Peterson ’ s biblical work is great , thorough , thoughtful , and worth consideration . But , somehow , he stepped way outside of his wheel house and not only makes claims about thinkers he does n ’ t seem to understand , but then digs his heels in so deeply on those claims . There ’ s very little criticism of postmodernism he ’ s stated that fits any understanding I have of the thinkers he attacks . “ It ’ s written weird and hard to understand ” is not , to Doolio July 17 , 2017 at 2 : 26 am It is not . And he does it to the point where I am beginning to wonder if he does it all on purpose . Pwlsax is right too , popular “ anti - sjw ” entertainers have idolized Peterson exactly to the point of never analyzing what he says . I saw a video ( I forgot whose it was ) the other day and the guy inserted the “ and heeere comes postmodernism ” sentence to describe some stupidity that followed regarding the event he was criticizing and I instantly knew that he simply picked it up from June 26 , 2017 at 8 : 09 pm Haha I do n ’ t think anyone is judging you for your spelling mistakes . Thanks for all that information . It was very informative . I did n ’ t know that Sarte was a postmodernist , and I did n ’ t know anywhere near that much about Camus either . I just knew that he was a nihilist , and I like a few of his books , like The Stranger . I ’ m not saying that I completely changed my mind about postmodernism . It still seems like either a bad idea , or that people today take their principles too far , and other people have as well . Or that Marxism is a bad idea , there ’ s a fine line between that and some brands of postmodernism , and that people use one to insidiously promote the other . I ’ m just more open to being convinced about the benefits of postmodernism than I was before , but I still enjoy seeing and hearing Jordan June 26 , 2017 at 8 : 56 pm Ahaha thank you , you ’ re very kind . I personally would n ’ t consider Camus a Nihilist , as he was very influenced by Nietzsche who himself invented the term ‘ nihilist . ’ Nietzsche considered nihilism something to be wary of , rather than embraced as a ‘ philosophical compass ’ so to speak . I myself have n ’ t read much of what Camus has said on the topic , but from what I gather he did embrace core values and ethics . I personally have read WAY to little of Camus ( considering June 28 , 2017 at 6 : 38 pm You know , a week ago I wrote a really thoughtful response to everything you laid out but it did n ’ t save , or get published , or something happened . So , I agree with almost everything you ’ ve said . I would only add that I do not think Peterson ’ s critique of Foucault is an accurate representation of the text , and I ’ d urge you to do the hard work ( even those of us who are sympathetic to the message of postmodern thought have to crawl through much of this ) and absorb the text yourself . I once took a class on Heidegger ’ s Being and Time and we would not move forward one page until each page was fully absorbed June 28 , 2017 at 8 : 24 pm Thank you for this and your previous reply , I believe the latter only recently came through . I ’ m also excited to read your upcoming article ; I ’ ve always been fascinated by the evolution of world - views throughout history . I ’ m not partaking in any formal philosophical training myself , so the process of reading philosophers such as Sartre , Foucault and Heidegger will be more tedious for me . As an undergraduate film student , I think a post - modern tome every year or so would be a worthwhile grind . June 30 , 2017 at 7 : 01 pm If you have trouble , I found a great great source online . PhilosophyTube is a great content creator that breaks down philosophy into short videos where he concisely covers it all . He just did some on Foucault and Power , check them out ! July 2 , 2017 at 4 : 50 pm I ’ m not trying to defend my new idealogue , especially since I do n ’ t agree with Peterson about religion . But I just think that he ’ s such an articulate speaker with well - thought out ideas that he ’ s worth paying attention to , regardless of how much I agree with him . I like his biblical lecture series even though I ’ m an atheist , for example , because while I do n ’ t agree with his conclusions , I think his perspective on Christianity is fascinating and admirable . I should check out that Youtube channel . Another good one is 8 - Bit Philosophy . If anyone has n ’ t heard of it , what it involves is classic video game characters being used to convey complex philosophical ideas and philosophers in 3 minute long videos . 8 - Bit Philosophy is part of a larger channel called Wisecrack , and those ones analyze the philosophy of popular culture . There ’ s another channel on Wisecrack called Thugnotes which is hilarious because in the videos , a stereotypical black dude analyzes and summarizes books in street July 2 , 2017 at 4 : 36 pm Philosophers should write for a general audience rather than just for academics if they want their ideas to actually spread . I know that historically though , people in general seem to have been more interested in , and capable , of reading dense texts . But my relatively limited experience of more modern philosophy tells me that this trend does n ’ t seem to be stopping . One aspect of my own writing that I ’ m always trying to fix is one that seems prevalent in philosophy , other than maybe in Stoicism , which is the July 5 , 2017 at 5 : 57 pm Asserting that philosophers OUGHT to do something ( write for a more general audience ) is itself a moral , philosophical claim . Lots of people would agree with you , and though I wish more philosophers would write in a way that is more consumable , that ignores an important issue : that these ideas are simple to understand . You very often catch philosophers struggling with their own ideas . Derrida remarked numerous times how crazy he must sound . It ’ s not uncommon , and we joke in the field that it is a mark of I ’ ve found trouble reading philosophers throughout history . Plato was articulate , but Aristotle was n ’ t . Kant is a notorious bastard to read . I do n ’ t think there ’ s anything novel about postmodernism being difficult to read , we ’ ve just had less time to study and dissect it in the way we have with the thousands of years of previous philosophy . Hunter and I have talked and one of my goals here is going to be breaking down some philosophy for you guys . I ’ m being lazy lately because I ’ m overworked at work , but I promise I ’ ll get on it . Foucault was interested in power and how it is manifested in every aspect of our lives . Everything , Foucault believed , is a function of power . This applied explicitly to discourse , law , and relationships . He has fascinating essays on crime , sexuality , and politics . Find a short one and read through it . If you have questions , email me @ JamesandtheGiantPodcast @ gmail . com . I ’ ll read it with you and we can discuss it . Or , I can write up an explanatory post . July 6 , 2017 at 8 : 26 pm I ’ m well aware that saying philosophers SHOULD write a certain way is a moral , philosophical claim . That ’ s why I qualified it by saying “ … if they want their ideas to actually spread . ” I ’ m not saying that philosophers should be more concise in general . I try to avoid telling anyone what to do because I do n ’ t think that ’ s my right , and it ’ s very dependent upon circumstances . I ’ m also certainly not an authority on how philosophers should write . I also understand from reading , learning , thinking , and writing about philosophy as an amateur for at least a few years that most , or at least many , philosophical ideas are complicated . But that does n ’ t necessarily mean that they have to be explained in a verbose and detailed way . In my opinion , a true sign of intelligence is understanding ideas well enough to clearly communicate the main points in a concise way . I ’ m not saying that philosophers should only be concise because , in addition to what I Yeah , I like Plato ’ s communication style more than Aristotle , but I like his ideas more than those of Plato . I do n ’ t think I ’ ve read any of Kant ’ s work yet , but I have a vague understanding of some of his opinions from hearing people talk about him . I understand that postmodernism is a newer philosophical idea than many others , but that does n ’ t necessarily mean that it ’ s a good one . I ’ m not saying that I fundamentally disagree with it Awesome man . I ’ m looking forward to those posts . I ’ m a big fan of philosophy in general . Ah okay . What do you think about Foucault ’ s opinions ? I have n ’ t read any of his writing yet , but my intuition is that everything being a function of power is a massive oversimplification . It just seems like ideological thinking to me because it means blaming everything on only one factor . I think that reality is a lot more complicated than that , and that actions are the functions of many more factors than just power . There probably are some situations that are based only one power on one side of You could easily look at anything in any way you want to as well . It does n ’ t seem like sleeping is a function of power , but you could choose to view it that way if you think of sleep as a way of surrendering your power . That does n ’ t necessarily make it true . There ’ s probably not a correct objective way of viewing the world , which if I understand it correctly , is one of the propositions of postmodernism that I mostly agree with . So asserting that looking at Premature criticisms aside though , thanks a lot man . I appreciate the discussion . I ’ ll definitely read at least one of those essays , and send you an email to tell you what I think about it and ask you questions . July 6 , 2017 at 10 : 34 pm Oh , I was n ’ t trying to say that having an idea be complex meant that it held any more merit than a simple one . Sometimes the simpler ideas are best , because our overanalysis and thinking gets in the way of action . Further , ideas can get convoluted and unnecessarily complex and this is definitely a symptom present in philosophy . But it happens in the sciences too . My point is that philosophy takes rigor . I preferred Plato to Aristotle . Aristotle made lots of progress in Platonic ideas , but I do not agree with a single conclusion Aristotle made that I can think of . Kant sucks to read , reading a synopsis of Kant would be preferred . You ’ re correct ; in postmodernism , truth is not an objective thing . Truth is not singular . Truth is not prescriptive . Even those statements have contradictory values ( “ it is objectively true that there is no truth ” ) which is kind of the point . There are different kinds of truth , different ways in which things can be true , and lots of interpretive truth ( “ it is true to me ” ) . Peterson , funnily enough , has an interpretive view of the truth in the Bible . He teeters I think Foucault offers important perspective to discourse , politics , and understanding power . I do not think he is entirely correct , but as a student of philosophy I know that no philosopher is . You take what makes sense and make sense out of what does n ’ t or if you ca n ’ t do that , rebut it . Philosophy is about the process of philosophy . I agree that sleeping does n ’ t seem like a function of power . But see how you took a premise and did a few mental twists to find a scenario where the premise seems implausible ? That ’ s philosophy . That ’ s the rigor . That ’ s the process . Ethicists do that their entire career . I ’ m far more concerned with getting people to do the act of philosophizing than having anyone agree with a worldview ( that , by all historical evidence , will change eventually ) . Pragmatism is great if you only concern yourself with what is extrinsically useful ; but , often times and especially when concerning the meanings of our language , we step out of the pragmatic in defense of principles concerning truth - seeking and wisdom . Truth is not necessarily pragmatic . Moreover , pragmatism can only concern itself with what is useful or practical in - the - moment since it can not know what future uses an idea may have . The problem of pragmatism is the assertion that a thing only has value insofar as it is useful ( and useful to who ? ) as a means to an end rather than an end in itself . I do n ’ July 11 , 2017 at 7 : 01 pm I completely agree with your first paragraph . Fair enough . I agree with a lot of Aristotle ’ s conclusions , and I mostly agree more with him than Plato because in the dialogues between him and Socrates like The Republic , Plato makes points that Socrates seems to me to successfully argue against . I also prefer the alterations to Plato ’ s ideas that Aristotle makes . Plato also seemed like a little too much of a religious rationalist for me , if I ’ m interpreting that correctly . But I think that it ’ s almost undeniable that he had a lot of I agree with you about Jordan Peterson . I particularly noticed his ideological behaviour in a recent video of his I watched where he was talking about how evil postmodernism is , and how to defeat it . I ’ m not sure that I would say that he ’ s less reflective though , because everyone who does that seems to lack self reflection , and he seems like a very reflective person . But yeah , even though I like and learn a lot from him , I have also noticed before that he claims to offer a I also agree with everything you said about Foucault and philosophy . “ Taking what makes sense and making sense out of what does n ’ t ” is a great way of putting it . I try to philosophize with rigor about premises as much as possible , and make my own constantly shifting worldview based on aspects that I like and do n ’ t like about various sources . I ’ m not just trying to get people to agree with me either . I want to understand how people think , so I can help myself Those are great points about pragmatism . I ’ ve thought about that myself before , but not to the same extent . Cool man . I really should read some writing by William James because I ’ ve heard him recommended now by you , Jordan Peterson , and a guy with whom I ’ ve been talking about religious philosophy . The only research on philosophical pragmatism that I ’ ve done so far is by reading the Stanford encyclopedia of philosophy page on it , plus a few Youtube videos . Thanks a lot for this conversation . By the way , I finally read a Foucault article . I ’ ll send you an email about it . July 11 , 2017 at 7 : 09 pm Also , are there any particular books or other sources by William James that you would recommend ? July 13 , 2017 at 7 : 40 pm Thanks for the dialogue . It was helpful for me as well to think harder about my position . I admit I only have a cursory knowledge of William James . Reach out to Hunter Maats for recommendations on readings . I look forward to your email . Please include the article . July 16 , 2017 at 11 : 55 pm Coolio . Oh sorry . I just saw this comment and did n ’ t include the article . I actually just started reading The Varieties of Religious Experience because that other guy I mentioned recommended it to me , but I ’ ll ask Hunter for suggestions too . Magsa September 27 , 2017 at 3 : 26 pm There is power in obscurity . It ’ s a great way of establishing yourself an authority for one , but there are other advantages . We need to get over this romanticised idea that philosophers are above petty self interest because they attempt to reach for grandiosity . It is n ’ t helpful . September 27 , 2017 at 7 : 44 pm I totally agree . July 2 , 2017 at 4 : 21 pm You ’ re welcome . Oh I know , as far as anyone can know anything , that Nietzsche was n ’ t a nihilist . His existentialism was his solution to the nihilsm brought about by the “ death of the old Gods ” , right ? You do n ’ t think Camus was a nihilist ? Well like I said , I ’ ve only read The Stranger by him , and the message seemed pretty extremely nihilist , but maybe I missed his main point , or he has many other books with completely different messages I appreciate Peterson explaining postmodernism too . I could always learn more about Marxism , which is probably a good idea , and I think the The Communist Manifesto makes some great points , but I think that I understand enough about it to have my opinion of it pretty well - supported . It seems to oversimplify issues , and you only have to look at the history of Communism and Marxism to see all the harm it can cause . A lot of proponents of it seem to be emotional babies who do n ’ t know what You ’ re welcome again . Thanks for your comment too . blixa August 18 , 2017 at 2 : 49 pm Here ’ s some Friedrich N . that should help clarify what Peterson concludes from N . : The greatest danger that always hovered over humanity and still hovers over it is the eruption of madness – which means the eruption of arbitrariness in feeling , seeing and hearing , the enjoyment of the mind ’ s lack of discipline , the joy in human unreason . Not truth and certainty are the opposite of the world of the madman , but the universality and the universal binding force of a faith ; in sum , the non - arbitrary character of judgements … Thus the virtuous intellects are needed – oh , let me use the most from Nietzsche ’ s The Gay Science , s . 76 – and Peterson sees the danger in the exception trying to become the rule . His teaching is there to make sure the virtuous stupidity that is necessary for society stays where it is supposed to stay - with the masses . Peterson also tends to get confused about mythological characters , and confuses images , names and meanings within their respective cultures – I particulatrly remember an image of a minor hindu - deity which he assumed was Kali , because there are some parallels in the way the two are depicted - but then he goes on to mess up what Kali stands for , let alone what the deity he ’ s actually showing represents - he just interprets the image he chose , regardless of the underlying myth . so … Peterson is a traditionalist – and while he says he studied how fascism evolved and fights against it , he introduces a concept of the sacred , higher authority for the sake of hierarchy and order and so on . So maybe he should read more Lacan , or listen to that marxist Zizek … Jon Burke September 14 , 2017 at 8 : 50 am The more I hear Jordan Peterson speak , the more I think he ’ s just taking old ideas ( defined gender roles , contempt for collective action / thinking , mistrust of academics [ who do n ’ t agree with him ] and questionable “ science ” ) and simply wrapping them up in an erudite , authoritative package . Also , the whole “ intellectual rebel ” pose he ’ s adopted is as troubling as it is ridiculous . His voice is important but he seems to struggle with anyone who disagrees with him , in We all suffer from confirmation bias and it seems to me Peterson is a master at confirming some of the deepest fears / questionable beliefs of his fan base . It ’ s also interesting how he constantly praises Joe Rogan ’ s intellect ( which clearly pleases Joe ) while in the next breath dismissing all of Foucault ’ s work in a few sentences about Madness and Civilization . Though I am no expert , I ’ ve read some Foucault and while that book , his first , certainly laid the groundwork for his thinking , it We all get it that Jordan Peterson does n ’ t like Marxism but what else is he really offering us , aside from a very articulate , traditional , conservative worldview ? September 27 , 2017 at 4 : 40 pm The ‘ breathing room ’ that postmodernism allows carries potential in all forms , including the potential for destruction . This is probably what Peterson is concerned with , but he is n ’ t being consistent by identifying strongly with Nietszche while objecting Pomo on those grounds . I guess the issue is that he does n ’ t seen that potential in postmodern thought , probably because it has been hijacked by vested interests . He also exaggerates the uniqueness of their worldview . The whole notion of truth being relative and / or conditional is hardly unique to postmodernism . September 28 , 2017 at 6 : 27 am The problem with Foucault is that he is rarely criticised by his supporters . In other words , his supporters do n ’ t recognise the very obvious limitations of his work . There is far too much hero worship , which tends to produce strong opposition to his ideas . A good example are his views on education . He makes the same mistake that leftists generally make , especially of his generation , of conflating authority with authoritarian , thus he was unable to see schools as being anything more than disciplinary institutions of power designed to create submissive beings rather than sites that can impose the kinds of restraints necessary to individuate and empower people . As a result , he completely neglected the value of the master / teacher relationship and the reconstructive potential of technologies of power / knowledge , among other things . What Foucault needs are more sympathetic critics who are willing to evaluate his ideas with a critical eye . There is great potential there , especially if you attempt to re - read his early ideas through the prism of his late work oriented around the technologies of self which he unfortunately never got around to completing . September 27 , 2017 at 3 : 32 pm Peterson is correct that postmodern thinkers have caused damage , and we can not argue against him simply by pointing out errors of category or misunderstandings based on common ideas . For example , postmodernism and identity politics do n ’ t seem to match but they do . Postmodern Marxism is also a thing . Why ? This connection remains largely unexplored by most critics attempting to rebut him . Moreoever , why are most postmodernists ardent left wingers ? Again , this needs to be looked at seriously . Critics want us to believe that this is merely coincidental . Truth be told though , Peterson ’ s critique of Foucault is rather unfair . His view of power evolved over time and he was starting to think beyond his early work in his later years and conceived of power in more strategic terms . Thomas Markersen September 28 , 2017 at 4 : 28 am WHEN NIETZSCHE ” S ZARATHUSTRA KILLED THE LION HE ALSO KILLED POSTMODERNISM . IT ’ S YOU WHO DO N ’ T UNDERSTAND . Nathan Daniel Molloy September 29 , 2017 at 11 : 16 pm Nicely done , my Jordan Peterson sacred cow is marked for slaughter .	[ "Jordan Peterson", "Philosophy", "social justice" ]
http://mkerj.com/calculate-dividend-growth-rate/	Equity 3 Ways to Calculate Dividend Growth Rate August 24 , 2014 Subhodeep Mukhopadhyay 0 Comment dividend equity investing In this article , I have shown 3 Ways to calculate dividend growth rate . Simple average of yearly growth . Average of multi - period CAGR ( compounded annual growth rate ) . Regressing of natural log of dividend per share on a time series index I have illustrated the 3 ways to calculate dividend growth rate of a company using ITC as an example . For this exercise , I have used data from 2001 to 2013 . Background on ITC ITC is a diversified Indian conglomerate in five segments . Fast Moving Consumer Goods ( FMCG ) Hotels Paperboards & Packaging Agri Business Information Technology ITC is the largest producer of cigarettes in India , and has a reasonably stable business model . 3 Methods to Calculate Dividend Growth Rate Method 1 : Use Simple Year on Year Growth Average . In this method , I first calculate the yearly dividend growth for every year . The calculated dividend growth rate is the simple average of all these yearly numbers . The historical growth rate using this method is 31 % . The predicted values seem to be overstated significantly in 7 out of 13 cases . Method 2 : Use an average of a multi - period Compounded Annualized Growth Rates ( CAGR ) . In this method , I first calculate a 3 year ( or 5 year ) dividend CAGR . The calculated dividend growth rate is the average of all these multi - period CAGRs . The historical growth rate in this case is estimated to be 28 % . The variability in the deltas of actual versus predicted is also reasonably low . Method 3 : Use a Regression of natural log of dividend on a time series . The estimated growth is around 24 % when we use regression to calculate dividend growth rate . This number has been obtained by regressing ln ( DPS ) [ the natural log of dividend per share ] on a simple time series index . In this specific example , this method appears to be more conservative than the two above methods in that it under - states the estimated dividends . Results of regression are given below . A rather high R - Square of 96 % in this model would seem to indicate a good fit to an exponential time series . Conclusion So which of the three ways should we use to calculate dividend growth rate ? There is no right or wrong answer to this . Professor Damodaran has a very good discussion on this in his book on valuations and one may refer to that for a more nuanced discussion . In conclusion , any one of these / or an average of some or all of them may be used , depending on the context of the underlying problem . The most important thing is that one should exercise caution in applying these numbers , as there is no guarantee that the future will be same or even remotely similar to the past . I hope you enjoyed this post on how to calculate dividend growth rate . Please feel free to share and leave your comments . You may also like : Long Term Equity Investment is the Best Option Popular Financial Products in India Investing First Principles Disclaimer This is an academic exercise . It is not a recommendation to BUY / HOLD / SELL ITC .	[ "Finance Education", "Dividend" ]
http://mlaformat.org/mla-format-heading/	MLA Format Heading by Stephen on January 12 , 2012 This page contains guidelines on how to properly format the headings of your research paper using the MLA format . 1 . The Opening Page : On the opening page or the first page , you would include the whole heading and your paper ’ s title . The whole heading would include the following information : Your Name Your Instructor ’ s Name Your Class Information Your Paper ’ s Due Date Settings : Font : choose an easy to read font such as Times New Roman . Font Size : set the font size to be twelve ( 12 ) throughout your research paper , including your paper ’ s title . Never set the font site larger than 12 . Margins : 1 - inch for top / bottom / right / left throughout your paper . Double - space : double - space throughout your paper . Do n ’ t add extra spaces ( besides double - space ) between your headings , your title and your paragraphs . Sample of the Opening Page : A sample of the first page of your paper . 2 . The Inner Pages : For the pages that follow the first page , set the heading like this : instead of the whole heading , you would use the header feature on your word processing program and including the following information : Your Last Name and the Page Number . Sample of the Inner Page : Example of the heading for inner pages . 3 . The Works Cited Page : Every research paper must include a works cited page . The works cited list is placed at the end of your paper , on a new page . The heading for your works cited pages should be the same as the heading for your inner pages , which include your name and the page number at the top . Enter the title as “ Works Cited ” and place this title 1 - inch from the top of the page , see more details in the example illustration picture below . Sample of the Works Cited Page : Example of the works cited page . Source : – MLA Handbook , 8th edition 10 comments … add one alan nelson February 22 , 2019 , 4 : 45 pm Cool . But how many grade school students will look at this website to see how to set up their papers . Reply Audrey December 4 , 2017 , 3 : 50 pm Wow , This site is amazing ! Reply David January 21 , 2017 , 11 : 02 am I have the following level 3 heading in my thesis : Project management office and ( pmo ) metrics team . Should the abbreviation pmo be in lower case as it is or should it be in upper case ? Please Advise . Thanks . Emma November 9 , 2014 , 6 : 21 pm So for the works cited page , you do n ’ t need the name , teacher , date , and period heading at all ? Terry August 19 , 2014 , 10 : 52 am This is some good stuff to know . Kuriko December 9 , 2013 , 12 : 22 pm Thanks . Corey April 24 , 2012 , 2 : 52 pm Thanks . Shannan March 4 , 2012 , 5 : 45 pm I have to write a paper for an application and they want it to be in MLA format . I do n ’ t know how to do the heading because it ’ s not going to one teacher in particular and it is not for one class . Nate April 9 , 2012 , 2 : 17 am I do n ’ t think you need a heading besides the “ Last name - 1 ” on the inner pages . Christopher March 3 , 2015 , 9 : 55 pm Hey Shannon . You might try “ To Whom it may concern ” or something like that . Do n ’ t trust me on this because I am not for sure on that and if you did do this you might get it wrong and whoever might not accept your application . I hope you figure out how to do it and do great on that application ! – Christopher Next post : Commonly Misspelled or Confused Word Pairs Previous post : MLA Format Cover Page	[ "MLA Format Heading", "research paper" ]
http://mlb.mlb.com/mlb/help/faq_dds.jsp	Help Skip to main content FAQ Home MLBTV Help Center MLBcom Account Info Accessibility Digital Download Service Browser Support General MLB Info Contact Us Job Opportunities FAQ Home MLBcom Downloads FAQs The below FAQs apply to Downloads purchased directly from MLBcom What kind of file am I downloading Why is a license used for my downloaded view What is DRM Can I copy this downloaded file to another machine and play it I downloaded this video and then disconnected from the Internet but now I am getting a license error How do I obtain a license on my Mac for this downloaded file Do I have to obtain a license every time I want to watch the downloaded video I have a Windows PC and I am using Windows Media Player but I can not get a license Can I burn an MLBcom Downloads video to DVD and watch on my TV Whats the difference between watching a streamed file a live video on MLBTV for example or a video in the MLBTV ondemand archives and watching a downloaded video for example one purchased via the MLBcom Digital Download Service Is my internet connection fast enough for MLBcom video and audio streams Why can I no longer view previously purchased downloads After downloading the media why isnt the Play button enabled after I have acquired the license What kind of file am I downloading You will be downloading a Windows Media video or in some cases audio file with DRM Generally game files are approximately 1 GB in size with a bitrate of 1 MB very high quality MLBcom Downloads are for personal and noncommercial use Why is a license used for my downloaded video All MLBcom Downloads are encrypted with Microsoft Digital Rights Management technology DRM security requires a valid license before viewing the material You must have Windows Media Player version 100 or higher downloaded on your machine to view downloaded video What is DRM Digital Rights Management is a technology that allows for the secure management of digital media This security protects the content provider from unauthorized distribution viewing and use of the material Can I copy this downloaded file to another machine and play it Yes the license given to you for a digital download allows for the viewing and transfer of the download to up to three machines If you view the video from work then you will still be able to view the file from home I downloaded this file and then disconnected from the Internet but now I am getting a license error When viewing the downloaded video for the first time you need to be connected to the Internet in order to obtain a license to view the material If this problem persists please contact Customer Service at 8668001275 or email customerservicewebsitemlbcom How do I obtain a license on my Mac for this downloaded file Currently the version of DRM in use is not supported by the Macintosh Windows Media Player therefore you can not view downloaded videos on a Mac Do I have to obtain a license every time I want to watch the downloaded video No When you first try to play the video a license will be distributed to you and stored by the player Unless manually deleted the license will exist forever and will be used when you try to watch the downloaded video on that machine If you watch the video on a different machine another license will be required I have a Windows PC and I am using Windows Media Player but I can not get a license The current Digital Rights Management technology is only available on Windows Media Players that are version 100 or higher If this problem persists please contact Customer Service at 8668001275 or email customerservicewebsitemlbcom Can I burn an MLBcom Downloads video to DVD and watch on my TV You can burn a MLBcom Downloads video onto a DVD but only as a storage medium for computer files not as a TV quality DVD You can use your computer to write a MLBcom Downloads Windows Media file to a data DVD DVDROM for storage similar to writing to a CD for storage so you dont have to keep it on your computers hard drive However this is very different than a DVDVideo DVD such as a motion picture DVD that you view in highresolution on your TV screen MLBcom Downloads files are computer screenresolution Windows Media files DVDs that Whats the difference between watching a streamed video a live video on MLBTV for example or a video in the MLBTV ondemand archives and watching a downloaded video for example one purchased via the MLBcom Downloads Here are the key differences between streaming and downloading video Streaming Streaming video starts playing almost immediately when you click on a link There will be a little bit of buffering as your computer makes the connection and starts the data flowing from the server that is feeding you the video and then the video begins playing Video is currently offered in one broadband bitrate 400K700K The quality of the picture you see will vary greatly depending on the speed of your Internet connection MLBcom doesnt recommend streaming video for dialup Internet connections The video does not take up any space on your computers hard drive effectively you are watching a link to another site in this case a place where the video footage is stored as it is delivered streamed to your computer in realtime Downloading Downloaded video does not start playing when you first click on a link You must first purchase the file then have the entire file downloaded to your computer by streaming the bits to you over the Internet Once the download is complete you can begin playing the file off of your computers hard drive How soon you can start watching the video footage will depend on the speed of your connection Once you start playing the downloaded file the video quality will be very high and there will be no interruptions based on a poor Internet connection because you are playing it off your hard drive In fact you can play the video on your computer without being connected to the Internet at all because the actual video file is stored locally on your hard drive or device To store a complete file you will need enough hard drive space to store a roughly 15 GB file A complete 9 inning video is a large file and if you do not have enough drive space you will not be able to watch the video Is my internet connection fast enough for MLBcom video and audio streams Take the MLBcom Speed Test This test will measure your download rate from our servers to give you a recommendation as to whether or not your internet connection is fast enough for MLBcom video and audio streams Click here to test your internet connection Why can I no longer view previously purchased downloads It has come to our attention that a small subset of our MLBcom Digital Download customers are unable to access and watch certain games that they previously purchased on MLBcom MLBcom is committed to ensuring that all nonfunctioning MLBcom Digital Downloads that were previously purchased directly from us are again made available at no additional cost to our customers without regard to the number of machines to which the Downloads have been transferred If you are unable to view a MLBcom Digital Download game that you purchased directly from us please contact MLBcom Customer Service by either 1 sending an email to customerservicewebsitemlbcom listing the games that are no longer accessible or 2 by calling 18668001275 to speak to a representative We will then send you an email containing information on how to redownload and access these games Please note that all Regular Season games will be available in the originally purchased format and that all Postseason games will be made available in Windows Media format If we are unable to provide you with a replacement video we will offer you a refund We regret any inconvenience and value your continued support After downloading the media why isnt the Play button enabled after I have acquired the license The following remedy is for Windows XP and Vista users only You must install and upgrade your security component to allow playback of protected Windows Media at the following URL this page must be opened using Internet Explorer httpdrmlicenseonemicrosoftcomcrlupdateencrlupdatehtml Please follow the instructions according to your platform Note You must have administrator privileges on your computer to install this upgrade If you do not please contact your system administrator to perform the installation	[ "FAQs" ]
http://mlb.mlb.com/mlb/official_info/official_rules/foreword.jsp	Official Info Major League Baseball 2019 Official Rules A printable version of the 2019 Official Rules is now available in Adobe Acrobat format . Official Rules ( PDF ) Please note : To view and print PDF files , you must download the free Adobe Acrobat Reader Installer file AND double - click the file to install Adobe Acrobat Reader on your computer .	[ "Major League Baseball", "2018 Official Rules" ]
http://mlb.mlb.com/mlb/official_info/umpires/how_to_become.jsp	How to Become an Umpire MiLB umpiring info » Have you ever stopped to think about what it would be like to be an umpire ? To know the fate of a game rests in your hands ? What would it be like to suit up and call the shots each day ? Just like Major League Baseball players , umpires must work their way through the ranks of the minor leagues to get the experience and training they need to make it to the big leagues . Not only that , but according to MLB Director of Umpire Administration Tom Lepperd , it takes " usually seven to 10 years in the minor leagues " before an umpire gets to the Majors . That ' s twice the amount of time it normally takes a ballplayer to make his way through the ranks . So , how exactly does one become an umpire ? 1 . Enroll in school In order to be considered for a professional umpiring position , the umpire must first attend a professional umpire training school . Currently there are two schools whose curriculum has been approved by Minor League Baseball Umpire Development for training of those desiring to become a professional umpire . The Minor League Baseball Umpire Training Academy operates for approximately four weeks from the first part of January through the first part of February each year . The instructors at the Academy consist of the Minor League Baseball Umpire Development Field Evaluators / Instructors . The Harry Wendelstedt School for Umpires operates for approximately five weeks from the first part of January through the first part of February each year , and is owned and operated by a former Major League umpire . The instructors at the school consist of Major and Minor League umpires . Former MiLB Umpire Development Director Mike Fitzpatrick says the two schools combined usually enroll about 300 aspiring umpires each year . Umpire School Contact Info Harry Wendelstedt Umpire School ph : 800 - 818 - 1690 email : admin @ umpireschool . com www . umpireschool . com Minor League Baseball Umpire Training Academy ph : ( 877 ) 799 - UMPS email : info @ MiLBUmpireAcademy www . MiLBUmpireAcademy . com " Most of ( the students ) have not worked ( a game ) at all before they go to umpire school . So they have to be taught the whole realm of everything it takes to be an umpire , " he said . Lepperd said the students learn how to handle themselves both on and off the field at the schools . " From rules and mechanics , to signaling , to the philosophy of umpiring , " Lepperd said . " Pretty much every aspect of what it takes to become a professional umpire is taught . " 2 . Get noticed Instructors look for many characteristics other than knowledge of baseball rules when evaluating potential umpires , Lepperd said . " Confidence , a strong presence on the field , knowledge of the mechanics - - where to go when the ball is hit , forceful calls , good use of voice , hustle and ability to handle situations on the field ( are all important ) , " Lepperd said . Fitzpatrick said good judgment and character are things instructors look for as well . " That ' s very , very important because we ' re entrusting the integrity of the game to the umpire . So we ' re looking for the highest quality type of individual that we can possibly recruit , " Fitzpatrick said . " The whole integrity of the game rests with the umpire out there on the field . " 3 . Finish at top of class After attending the five - week course during January and part of February , the top graduates are selected to attend the Minor League Baseball Advanced Course . " It varies on what we project for our openings , but this year we selected 50 total , 25 from each school ( to attend the course ) , " Fitzpatrick said , which is about the top 16 percent of all umpire school enrollees . 4 . Begin assignment in lower league At the Advanced Course , instructors monitor the students and make recommendations to the Rookie and short - season Class - A league presidents about possible candidates for hire . Then the new umpires then begin their trek to the Majors . Lepperd said that MiLB Umpire Development evaluates the umpires to promote them from one minor league level to the next until they reach Class - AAA . " Once they get to Triple - A , ( MLB ) starts looking at them to decide who ' s going to come up to the Major Leagues , " he said . Umpire Requirements Umpires must meet some basic requirements : High school diploma or G.E.D . Reasonable body weight 20 / 20 vision ( with or without corrective lenses ) Good communication skills Quick reflexes , good coordination Some athletic ability Required preliminary training for the job ( i.e. , professional umpire school ) 5 . Wait for ' The Call ' Altogether there are 68 umpires in the Majors , and 225 in the minor leagues . With the small amount of openings and the low turnover , Fitzpatrick said it ' s very difficult for an umpire to make it past the minor leagues . " From attending umpire school through making it to the Major Leagues , there ' s very , very few umpires that actually make it to the Major Leagues . It ' s a long shot , " he said . " It varies depending on openings - but normally an umpire spends a couple of years at the short - season level , a couple of years at Class - A , a couple of years at Double - A before he makes it to Triple - A , " Fitzpatrick said . " Then it ' s just a matter of hoping any time after that , once he gets to the Triple - A level , that he ' s got a chance . But there again , it ' s long odds . " Lepperd offered advice for people who are interested in getting into professional umpiring . " If they ' re serious about it , umpire as many games locally as they have the opportunity to do , " he said . " Contact any minor league umpires in their area to get an insight on what the life is like , read and study the rulebook , and watch as many games as they can on television . " Once they feel they are ready , Fitzpatrick suggests taking the next step and signing up for umpire school . " Do some research on the two umpire schools , " Fitzpatrick said . " Enroll in one those schools , attend the course and see if it leads to a job in professional baseball . " Christie Cowles is an Editor / Producer for MLB . com .	[ "Umpire", "Enroll in school", "Get noticed" ]
http://mlb.mlb.com/mlb/standings/exhibition.jsp	Standings Regular Season Spring Training	[ "Standings" ]
http://mlb.mlb.com/wbc/2013/teams/index.jsp?team=TPE&team_id=791	Chinese Taipei IBAF WORLD RANK : 5 Chinese Taipei boasts this group ' s most extensive presence in American professional baseball , with 28 of its players under contract with Major League organizations . Of those , two are in the big leagues this season . Orioles rookie Wei - Yin Chen has established a place in his team ' s rotation , while MLB veteran Chien - Ming Wang has been battling injuries with the Nationals . The Chinese Taipei National team has participated in many past international competitions , including the 2006 and 2009 World Baseball Classics . Game Schedule & Results Full Schedule » Videos More Highlights » Photos March 9 : Chinese Taipei vs Cuba March 8 : Japan vs . Chinese Taipei March 7 : WBC Workout Day March 5 : Chinese Taipei VS Korea March 3 : Netherlands vs Chinese Taipei March 1 : Austrailia vs Chinese Taipei March 1 : NC Dinos vs . Chinese Taipei Chinese Taipei Workout Day Nov . 18 : New Zealand at Chinese Taipei Nov . 16 : Chinese Taipei vs . Philippines Nov . 15 : New Zealand at Chinese Taipei galleries Chinese Taipei Roster Name B / T Height Weight Birth Date Pitchers Hung - Wen Chen 17 R - R 5 ' 11 " 210 Feb 3 , 1986 Kuan - Yu Chen 47 L - L 5 ' 9 " 187 Jul 9 , 1991 Ping - Hsueh Chen 33 R - R 6 ' 2 " 195 Jul 8 , 1994 Yun - Wen Chen 34 6 ' 0 " 214 Nov 28 , 1995 Shao - Ching Chiang 71 6 ' 0 " 185 Nov 10 , 1993 Sheng - Hsiung Huang 56 L - L 6 ' 2 " 216 Dec 3 , 1990 Chun - Lin Kuo 75 5 ' 7 " 156 Feb 2 , 1992 Hung - Cheng Lai 48 5 ' 11 " 168 Apr 26 , 1988 Chen - Hua Lin 16 176 Dec 16 , 1988 Kuo - Hua Lo 37 5 ' 10 " 195 Oct 28 , 1992 Yen - Ching Lu 21 5 ' 9 " 143 Mar 10 , 1996 Fu - Te Ni 36 170 Nov 14 , 1982 Wei - Lun Pan 18 215 Mar 5 , 1982 Chia - Hao Sung 43 L - R 202 Sep 6 , 1992 Ming - Chin Tsai 19 L - R 5 ' 10 " 150 Sep 28 , 1984 Cheng - Hao Wang 70 209 Sep 25 , 1989 Chien - Ming Wang 40 6 ' 4 " 225 Mar 31 , 1980 Ching - Ming Wang 41 205 Jan 16 , 1986 Wei - Chung Wang 22 6 ' 1 " 160 Apr 25 , 1992 Chun - Chieh Wu 71 168 Nov 7 , 1996 Chien - Fu Yang 46 160 Apr 22 , 1979 Catchers Ta - Hung Cheng 77 170 Jan 12 , 1981 Kun - Sheng Lin 20 180 Mar 8 , 1987 Infielders Yung - Chi Chen 13 Jul 13 , 1983 Chih - Hsien Chiang 11 Feb 21 , 1988 Chi - Hung Hsu 74 207 Jun 22 , 1992 Chih - Hsiang Lin 69 165 Jun 23 , 1992 Chih - Sheng Lin 1 210 Jan 1 , 1982 Yi - Chuan Lin 9 180 Nov 11 , 1985 Sheng - Wei Wang 14 155 Apr 1 , 1984 Outfielders Cheng - Wei Chang 59 154 Aug 5 , 1986 Chih - Hao Chang 7 179 May 15 , 1987 Chin - Lung Hu 15 190 Feb 2 , 1984 Kuo - Hui Kao 28 209 Sep 26 , 1985 Che - Hsuan Lin 24 Sep 21 , 1988 Guo - Long Luo 8 172 Jun 24 , 1989 Chinese Taipei Coaching Staff Name Role Coaches Tai - Yuan Kuo 88 Manager Lien - Hung Chen 87 Hitting Coach Chin - Chih Huang 12 Pitching Coach An - Si Lee 79 Outfield Coach Ko - Wei Fang 23 Bullpen Catcher Chin - Feng Chen 52 Baserunning Coach Chun - Chang Yeh 27 Battery Coach	[ "Chinese Taipei", "American professional baseball", "Wei-Yin Chen" ]
http://mlp.wikia.com/wiki/My_Little_Pony_Equestria_Girls:_Rainbow_Rocks	in : Pages that need improvement Equestria Girls Films Featured articles My Little Pony Equestria Girls : Rainbow Rocks English Edit Comments ( 4k ) Share For other films in the franchise , see My Little Pony Equestria Girls ( franchise ) # Films For the eleven shorts that coincide with this film ' s release , see / Animated shorts For the song , see Rainbow Rocks ( song ) For the soundtrack albums , see My Little Pony Equestria Girls : Rainbow Rocks - Original Motion Picture Soundtrack and My Little Pony Equestria Girls - Rainbow Rocks CD My Little Pony Equestria Girls : Rainbow Rocks Theatrical release poster Directed by Jayson Thiessen Ishi Rudell ( co - director ) Produced by Sarah Wall Devon Cody Written by Meghan McCarthy Music by William Anderson ( score ) Daniel Ingram ( songs ) Release date ( s ) September 27 , 2014 ( limited theatrical run ) October 17 , 2014 ( Discovery Family ) October 28 , 2014 ( DVD / Blu - ray release ) Additional releases : October 25 - 26 , 2014 ( United Kingdom , theatrical release October 26 , 2014 ( France , TiJi October 30 , 2014 ( Guatemala , AlbaCinema cinemas October 30 , 2014 ( Panama , Cinepolis cinemas October 30 , 2014 ( Uruguay , Movie cinemas November 1 - 2 , 2014 ( Chile , CineHoyts cinemas November 7 - 16 , 2014 ( Colombia , Cinépolis cinemas November 7 - 16 , 2014 ( México , Cinépolis cinemas November 8 , 2014 ( Poland , teleTOON+ November 8 , 2014 ( Ukraine , PlusPlus November 8 , 2014 ( Canada , Family Channel November 8 - 9 , 2014 ( Italy , The Space Cinema November 9 , 2014 ( Brazil , Discovery Kids November 14 , 2014 ( Finland , Tennispalatsi November 15 , 2014 ( Colombia and Mexico , Discovery Kids November 15 , 2014 ( Australia , Event Cinemas November 15 , 2014 ( Spain , Disney Channel November 16 , 2014 ( Italy , Boomerang November 17 , 2014 ( Czech Republic , TV Barrandov November 21 , 2014 ( Latin America , November 22 , 2014 ( Peru , Cineplanet cinemas November 22 , 2014 ( Turkey , Disney Channel November 29 , 2014 ( Argentina , November 29 , 2014 ( Latin America , November 29 , 2014 ( Romania , Minimax November 29 , 2014 ( Serbia , Minimax November 29 , 2014 ( Slovenia , November 29 , 2014 ( Hungary , December 6 , 2014 ( Germany , December 8 , 2014 ( Portugal , Canal Panda December 24 , 2014 ( United Kingdom , Pop March 19 , 2015 ( United Arab Emirates , e - Junior March 23 , 2015 ( Region 2 home media release ) September 19 , 2015 ( Russia , Carousel October 12 , 2015 ( Japan , Netflix October 18 , 2015 ( Thailand , Esplanade Cineplex Ratchadapisek January 6 , 2016 ( South Korea , Netflix April 30 , 2016 ( Mexico , Canal 5 December 26 , 2017 ( Indonesia , rtv Running time 73 minutes ( unedited ) 68 minutes ( edited for TV ) Studio Hasbro Studios DHX Media Distributed by Screenvision ( US theatrical ) Discovery Family ( television ) Shout ! Factory ( home media ) Song ( s ) Rainbow Rocks Better Than Ever Battle Bad Counter Spell Shake Your Tail Under Our Spell Tricks Up My Sleeve Awesome As I Wanna Be Welcome to the Show Rainbooms Battle Shine Like Rainbows See also credits transcript gallery allusions animation errors statistics speculation Chronology Previous Rainbow Rocks animated shorts Next Friendship Games animated shorts My Little Pony Equestria Girls : Rainbow Rocks is the second installment in the Equestria Girls film franchise and the sequel to My Little Pony Equestria Girls . It features a Battle of the Bands storyline and was released theatrically on September 27 , 2014 . The film takes place after the season four finale , as well as the animated shorts Music to My Ears Guitar Centered Hamstocalypse Now Pinkie on the One Player Piano , and A Case for the Bass , and before the season five premiere Contents show Development and production As revealed in the audio commentary of the DVD , was not initially planned to become a franchise and the thought of a sequel did not cross Meghan McCarthy ' s mind . Additionally , Sunset did not become a main character until the second draft of the script . This film was announced by Hasbro as part of a press kit at the 2014 International Toy Fair . When asked about the film on an AMA for Reddit , Tara Strong also confirmed it saying , " It ' ll be adorable . " On February 13 , 2014 , tweeted that she worked on the film in Summer 2013 . On the same day as McCarthy ' s tweet , songwriter Daniel Ingram tweeted that there would be a total of twelve songs in the film , the greatest number of songs yet featured in a Friendship is Magic episode or film . The film ' s opening credits were storyboarded by Tony Cliff . The illustrations shown during the ending credits were drawn by Katrina Hadley . The storybook depiction of the sirens was illustrated by Rebecca Dart . The DVD commentary also points out that the midnight snack scene between Twilight and Sunset was actually added late into the film ' s production . As revealed in the commentary , Rarity ' s line " past . . .ahem . . .booboos " was ad libbed by Tabitha St . Germain . Also , Snips and Snails ' freestyle rap was genuine freestyling courtesy of Lee Tockar and Richard Ian Cox . Summary Prologue : Equestrian magic The Dazzlings scheming . The film opens at a café in the human world . The numerous café patrons argue among themselves as a strange green mist swirls around their feet . In the corner booth , three girls in hoods sing and absorb the green mist into the red gems on their necklaces . The purple - haired girl Aria Blaze grumbles that she ' s " tired of fast food " and needs a meal . The orange - haired girl Adagio Dazzle laments that the energy in " this world " is n ' t the same as that in Equestria As the blue - haired girl Sonata Dusk joins the conversation and gets into a light argument with Aria , Adagio notices an explosion of light in the distance . She races out of the café and watches the magical rainbow energy burst into the sky , grinning evilly when she realizes what it is . She explains to Aria and Sonata that Equestrian magic has found its way into the human world , and they ' re going to use it to make everyone adore them . Sunset Shimmer ' s efforts Six moons later , at Canterlot High School , the students are busy making banners in the auditorium for the school ' s upcoming musical showcase Sunset Shimmer offers to help the Cutie Mark Crusaders with their banner , but they decline , much to Sunset ' s disappointment . When Pinkie Pie calls Sunset over to join her and her friends , the other present students glare at and gossip about Sunset , making her uncomfortable . Rarity quickly changes the subject and shows Sunset the banner they made for the showcase ( which Pinkie used cake frosting on instead of paste ) . Principal Celestia and Vice Principal Luna then enter , and Celestia says how pleased she is by the amount of student participation in the showcase . However , when she mentions the Fall Formal , the students glare at Sunset again and Sunset hides her face in humiliation . " Oh , yeah , we ' re better than ever ! " Later , in the school band room , Sunset laments how she ' ll never live her past mistakes down . Her friends , now in a five - part band called the Rainbooms , say they ' ve forgiven her and cheer her up with a rehearsal of Better Than Ever . As they sing , the five bandmates sprout pony ears and wings and longer hair , which disappear when they stop playing . Rarity and Applejack express disbelief at the strange phenomenon , but Rainbow Dash cares little , letting her band leader egotism show . Flash Sentry enters , having heard the band ' s playing from outside the room , and compliments their sound . When Rainbow criticizes Rarity and Applejack ' s playing , they give an annoyed look . Flash asks if " any friends from out of town " will be coming to the showcase . The Rainbooms tell him they ' re not sure if Twilight will be present , and Flash awkwardly excuses himself . Rarity is amused by Flash ' s behavior , but she stops herself when she remembers that he and Sunset used to date . Sunset admits that she never liked Flash romantically and further regrets her past actions . As Applejack cheers her up , a speaker announcement by Vice Principal Luna summons Sunset Shimmer to the school foyer . Sunset leaves the room , having promised to give a tour Fluttershy asks if they can sing a song she wrote , to which Rainbow Dash replies that they ' ll get to it later . Enter the Dazzlings Sunset giving the new girls a tour of CHS . At the school entrance , Sunset Shimmer meets with the new girls - Adagio , Aria , and Sonata - and shows them around the school . During the tour , they pass by a flyer for Canterlot High ' s musical showcase ; Sunset talks about the event , and the girls are intrigued , with Sonata nearly revealing their true nature . When Sunset notices the three ' s gem necklaces and reaches for Adagio ' s , Adagio grabs Sunset ' s wrist in sudden offense . Adagio catches herself and apologizes , explaining that their pendants " Battle ! You want to win it ! " Later in the cafeteria , Sunset joins her friends and mentions that there is something " off " about the new girls , worrying that they know about the events of the Fall Formal . Outside the cafeteria doors , Adagio , Aria , and Sonata have a brief argument before they enter . With their beguiling voices and a rousing song , the girls convince the students of Canterlot High to turn the musical showcase into an all - out Battle of the Bands . As they sing , tensions rise among the students , causing them to argue . As each vows victory in the competition , green mist forms around them , which Adagio , Aria , and Sonata absorb into their pendants . Only Sunset Shimmer and her friends are unaffected by the song . A mesmerized school Sunset Shimmer and the Rainbooms suspect that Adagio , Aria , and Sonata are using dark magic on the students and go to alert the principals . However , Celestia and Luna believe the girls , now calling themselves the Dazzlings , are innocent and even praise them for their Battle of the Bands idea . For a brief moment , the principals ' eyes glow green , indicating that they have also fallen under the Dazzlings ' spell . Sunset writing in her magical book . The Rainbooms deduce that the magic that causes them to transform while playing music also makes them immune to the Dazzlings ' spell . With the rest of the school under the Dazzlings ' control , the friends consider getting Princess Twilight to return and help . The closed portal prevents her from returning , but Sunset Shimmer has an idea . In her locker , she finds an old book with her cutie mark on the cover and explains that she used it to write messages to Princess Celestia , which would appear in a book in Celestia ' Dear Princess Celestia . . . — Sunset Shimmer Back in Equestria Twilight receives Sunset ' s distress call . In Ponyville , at the Castle of Friendship , Twilight and her friends lounge about in the throne room when a stallion arrives with a delivery of books from Princess Celestia . One of the books , with Celestia ' s cutie mark on the cover , appears to glow and vibrate . Twilight opens it and discovers Sunset ' s call for help . Twilight determines from Sunset ' s warning that the Dazzlings are actually Equestrian sirens . Long ago , the sirens used their eerie songs to turn ponies against one another and fed on the negative energy from their hatred and distrust , which made them powerful enough to control minds . But before they could conquer Equestria with their magic , Star Swirl the Bearded banished them to another world — the world where Sunset Shimmer now lives with the human counterparts of Twilight ' s Ponyville friends . Twilight wishes to go and help her human friends , but the Crystal Mirror ' s closure prevents her from doing so . Pinkie Pie proposes that the same magic that allows Sunset Shimmer to send messages from the human world to Equestria should allow the portal to be opened . With a bunch of mechanical parts , and using the book as a battery , Twilight is able to energize and reopen the portal . Her friends want to accompany her , but Twilight tells them they ca n ' t because it would be confusing to have two copies of her friends in the same place . Spike can still go along , however , and he and Twilight soon charge into the portal . Return to Canterlot High She ' s back ! Back at the school , Rainbow starts to lose hope that Twilight will come , when Twilight and Spike suddenly shoot out of the portal . Her human friends meet her in a group hug . Later at Mr . and Mrs . Cake ' s Sweet Shoppe , the friends all catch up , with Spike revealing Twilight ' s new status as the Princess of Friendship . Once Twilight learns of what they ' re up against , she comes up with a plan to ambush the Dazzlings at the pre - Battle of the Bands party being held in the school gym . Well . . .this is awkward . At the band meetup , Twilight bumps into Flash Sentry and stammers in his presence . Once the Dazzlings arrive , Twilight and her friends declare their evil plans finished and attempt to stop them with a magic of friendship attack . However , nothing happens , allowing the Dazzlings to feed on even more of the competitors ' negativity . Having humiliated themselves , Twilight and her friends excuse themselves , but the Dazzlings decide to keep an eye on them , calling them " special " . Twilight and the others regroup outside the school and try to figure out what went wrong . They reason that , since they can only channel their magic when playing music , only a counter - spell in the form of a song will break the Dazzlings ' spell , making the Battle of the Bands the perfect venue . They also decide Twilight should be the Rainbooms ' new lead singer , much to Rainbow Dash ' s chagrin . Before Twilight retires to the school library like she did during her last visit to Canterlot High , Pinkie Twilight and Sunset have a little midnight snack . That evening , as her friends enjoy themselves around her , Twilight has considerable difficulty writing a counter - spell . Later , after everyone falls asleep , she works on it in the kitchen and is soon joined by Sunset Shimmer . As the two bond over the similar problems they each face , Sunset is startled when Pinkie ' s sister Maud comes in to get a snack for Boulder I still ca n ' t get over the fact that she ' s related to Pinkie Pie . — Sunset Shimmer The next day , the Rainbooms practice their musical counter - spell in the barn next to Applejack ' s house . Unfortunately , Twilight ' s singing is so off - key that Rainbow Dash only manages a small bit of transformation . Before long , hostility continues to grow between the Rainbooms regarding Rarity ' s costumes and Rainbow ' s insisting that the band is hers . With the Battle of the Bands starting soon , the Rainbooms soon agree to perform other songs and stall for time until Twilight can complete her spell . In addition The Mane Event The Battle of the Bands gets underway , with Snips and Snails performing a hip - hop duet that earns only confused looks from the audience and reprimanding from Principal Celestia when they drop the microphones . When the time comes for the Rainbooms to perform , Rarity takes the stage in a hippie - inspired outfit with metal fringes . During their performance of Shake Your Tail , other competitors try to sabotage them : Photo Finish and the Snapshots manipulate Rarity ' s movement with a magnet , and Snips and Snails take advantage of Fluttershy ' s stage fright by holding a spotlight over her . The Dazzlings performing " Under Our Spell " . The Rainbooms manage to advance to the next round , but they continue to squabble over petty issues . Later , even Flash Sentry starts to show hostility toward Twilight , considering her to be an enemy because she is on a rivaling band . As they part ways , a heartbroken Twilight walks away in tears . At the other end of the hallway , Sunset confronts the Dazzlings about their evil schemes , but the Dazzlings play to Sunset ' s fragile emotions and make her feel useless in her friends ' eyes . In the following montage set to the Dazzlings ' Under Our Spell , competing bands are eliminated one by one , from the Crusaders to Bulk Biceps to Lyra Heartstrings and Sweetie Drops to even Flash Sentry . In the semifinals , the Rainbooms face Trixie and the Illusions to decide who faces the Dazzlings in the final round . Huge mistake , Sunset . As Trixie and her band perform Tricks Up My Sleeve , Twilight still has yet to finish her counter - spell song , so Rainbow Dash takes over as lead singer and the Rainbooms perform Awesome As I Wanna Be . However , Rainbow Dash gets carried away and starts to transform , prompting Sunset Shimmer to leap in and cut the song short . The crowd is convinced that Sunset has n ' t changed , adding more fuel to the fire of hatred for the Dazzlings to feed on . Trixie ' s dirty tricks Through the Dazzlings ' manipulation of the principals , the Rainbooms advance to the final round instead of the Illusions . An embittered Trixie is later approached by Adagio and given the idea of removing the Rainbooms from the competition so the Illusions can take their place in the finals . During the Rainbooms ' mic check on the stage where the finals are to take place , Trixie and the Illusions arrive to carry out their plan : a lever opens a trap door on the stage , and the Rainbooms fall inside . Spike , the only one not to become trapped , rushes off to find help . The magic of friendship is what it ' s all about my hoof . That night , the Illusions perform in the finals following the Rainbooms ' supposed forfeit . Afterward , the Dazzlings take the stage for their final performance and continue feeding off the crowd . Below the stage , tempers and tensions finally boil over between the Rainbooms and a five - way argument breaks out , allowing the Dazzlings on stage to feed on their hatred . Sunset notices what ' s happening and finally intervenes , pointing out that their arguing has warped the magic of friendship into something that the Dazzlings can feed on . Twilight is ashamed that she had n ' t realized it sooner , and Sunset tells her no one is supposed to have all the answers , but friends can help you find them . The Rainbooms thus make amends and finally come to a compromise , and Spike arrives to rescue them with the help of DJ Pon - 3 , whose headphones shielded her from the Dazzlings ' spell . Welcome to the Show " Find the music in your heart / Let the music make you start / To set yourself apart ! " The Dazzlings continue feeding on the crowd on stage and transform , giving them pony ears , tails , and translucent wings . As the Rainbooms watch from atop a hill , wondering how their song can reach the crowd , DJ Pon - 3 arrives with further assistance : a car that converts into a DJ station . The Rainbooms start to play their counter - spell song over the Dazzlings ' song and take on half - pony forms with colors similar to that of the Mane Six ' s Rainbow Power . Refusing to be stopped , manage to overpower the Rainbooms As the Rainbooms fall , Twilight ' s microphone rolls next to Sunset Shimmer ' s feet , and Twilight says they need her help . Sunset finds new resolve and , upon removing her jacket , starts to sing . Before long , the rest of the Rainbooms join her , and their combined magic creates a rainbow shockwave that weakens the Dazzlings and severs their spell over everyone , much to Adagio ' s disbelief . The magic of friendship builds inside Sunset , granting her a half - pony form of her own . All the students Alicorn that destroys their astral projections as well as their gem pendants . The Dazzlings attempt to sing again without their pendants . With their power sources destroyed , the Dazzlings are unable to even sing and re - cast their spell . The enraged students boo , jeer , and pelt them with fruits and vegetables , forcing them to flee in shame and disgrace . Flash , now free of the Dazzlings ' influence , meets Twilight in a happy and warm embrace . However , Trixie , still upset about her competition loss , makes it clear she is n ' t done with the Rainbooms yet . As for Sunset , with Twilight now having to return home to Dear Princess Twilight Sunset writing her friendship report to Princess Twilight . Before Twilight leaves , she promises to visit whenever she can now that the portal can be opened at any time . Later , as the girls tune up their instruments , Sunset uses her old journal to write the friendship lesson she learned to Princess Twilight , ending it with the closing statement : Your friend , Sunset Shimmer . As the film closes , Sunset picks up her guitar and joins her bandmates in a performance of Shine Like Rainbows . During the credits , Sunset is seen having now been accepted by the rest of the school , as the Cutie Mark Crusaders help her with her books and walk with her and Bulk Biceps helps her get Angel down from a hard - to - reach perch . Epilogue : The other Twilight Human Twilight and puppy Spike . In a post - credits scene , the human world ' s version of Twilight Sparkle is seen documenting strange events that are all connected to Canterlot High . She confides in her dog Spike that " something strange [ is ] going on at that school . . . " Cast Tara Strong Twilight Sparkle Sci - Twi Ashleigh Ball Rainbow Dash Apple jack Andrea Libman Flutter shy Pinkie Pie Tabitha St . Germain Rar ity Vice Principal Luna , and Photo Finish Cathy Weseluck Rebecca Shoichet Sunset Shimmer , Twilight Sparkle ' s singing voice , and " Ringo " ( uncredited ) Kazumi Evans Adagio Dazzle Octavia Melody ( uncredited ) , and Rarity ' s singing voice Marÿke Hendrikse Sonata Dusk Diana Kaarina : Aria Blaze Vincent Tong Flash Sentry , " Brawly Beats " ( uncredited ) , " The real Sunset Shimmer is back ! " ( uncredited ) Kathleen Barr Trixie Lulamoon Nicole Oliver Principal Celestia Lee Tockar Snips Richard Ian Cox : Snails Michelle Creber Applebloom Claire Corlett Sweetie Belle ( credit only ) Brian Drummond : Delivery Pony Ingrid Nilson Maud Peter New Big Mac Shannon Chan - Kent : Pinkie Pie ' s singing voice Madeline Merlo : Sonata Dusk ' s singing voice Shylo Sharity : Aria Blaze ' s singing voice Eva Tavares : " Blueberry Cake " ( uncredited ) Paula Berry : " Cherry Crash " ( uncredited ) David Mongar : " Captain Planet " ( uncredited ) Publicity and branding Previews My Little Pony Equestria Girls - Rainbow Rocks EXCLUSIVE Movie Clip Rainbow Rocks sneak peek , released by Entertainment Weekly . MLP Equestria Girls - Rainbow Rocks Comic - Con EXCLUSIVE Teaser Official trailer , first shown at Comic - Con . On February 13 , 2014 , Entertainment Weekly published an article about the film . Details about its plot were limited ; however , the article included a trailer showcasing several clips and a new song by Daniel Ingram , all from the animated shorts As part of the San Diego Comic - Con International " Hasbro Studios : My Little Pony Friendship Is Magic and My Little Pony Equestria Girls " panel on July 25 , 2014 , " Guests from Hasbro Studios My Little Pony Friendship Is Magic airing on the Hub Network in the U.S. and My Little Pony Equestria Girls share details of the making of the popular animated series and a sneak peek into the new My Little Pony Equestria Girls Rainbow Rock sic ] movie coming this fall . " On July 24 , 2014 , Yahoo ! TV posted not only a new trailer for the film , but also a song performed by the Dazzlings In the teaser , Rainbow Dash was removed from the shot where Sunset says , " I turned into a raging she - demon . " On September 10 , 2014 , Shout ! Factory , through Equestria Daily , revealed a new 30 - second trailer including more footage of both pony and human Twilight . Two days later on September 12 , a 50 - second trailer was released on YouTube . Six days later on September 18 , a full theatrical trailer was released on Yahoo ! TV ; the trailer was uploaded to Hasbro ' s YouTube channel four days later . Sneak peeks On August 18 , 2014 , Hasbro posted a two - minute - long clip of the film featuring the Dazzlings on their animated shorts YouTube channel ; a week later on August 25 , another clip was released . Four days later on August 29 , a third five - minute long clip was published . A week later on September 5 , a fourth was released . Live - action music videos On February 20 , 2014 , Hasbro released a live - action music video on their official website depicting six young females as the Rainbooms in a rock band . Like the similar Magic of Friendship music video released to tie - in with the first movie , the music video uses a rock version of Equestria Girls ( Cafeteria Song ) and shows the Mane Six ' s human counterparts in animated form doing the " EG Stomp " . On August 4 , 2014 , Hasbro released a second live - action music video depicting the Rainbooms as well as the Dazzlings and DJ Pon - 3 in a rock competition . The rock version of from the previous video plays with lyrics from , and the title song included . Release Theatrical Like before it , this film was distributed to American and Canadian theaters in limited release on September 27 , 2014 . It also received a ' Purple Carpet ' premiere at the Chinese Theatre in Hollywood , which was attended by the cast and crew as well as some celebrities such as Jamie Foxx Modern Family ' s Ariel Winter , and Academy Award nominee Quvenzhané Wallis was released on October 25 and 26 , 2014 in the United Kingdom The film was released on November 15 , 2014 in Australia Home media was released on DVD and Blu - ray on October 28 , 2014 , a little over a month after the theatrical release . Special features include a new featurette , the first eight that were released on YouTube , three sing - along songs , and audio commentary by screenwriter Meghan McCarthy , director Jayson Thiessen , co - director Ishi Rudell , VP of Development at Hasbro Mike Vogel , and executive director of Hasbro Brian Lenard . There are also three store exclusives for the DVD only . The Target edition includes a bracelet , a $ 4 coupon for one MLP toy , and the original DVD . The Walmart edition includes a music CD , a digital copy of the film , and the same $ 4 coupon . The Kmart edition includes a " backstage pass " and the coupon . Upon initial release , the DVD version of the film had an error in which chapters 5 and 6 play in reverse when the DVD is played from the main menu ‘ Play ’ listing . Shout ! Factory has a listing on their site where a free replacement disc can be sent . A Region 2 DVD by Primal Screen Entertainment was released on March 23 , 2015 for various countries , including France Italy Netherlands Spain , and the United Kingdom Alongside Friendship Games , this film was released in a box set on October 13 , 2015 in Region 1 . Television For list of changes to Discovery Family ' s initial television broadcast of Rainbow Rocks , see / Television edits The film made its TV debut on the newly rebranded Discovery Family on October 17 , 2014 . On November 8 , 2014 , it made its premiere on Family Channel in Canada . On November 15 , 2014 , it made its premiere on in Spain . An Italian dub of the film premiered on the Boomerang channel in Italy on November 16 , 2014 . In the UK , the film premiered on Pop on December 24 , 2014 with no cuts . Stage adaptation This section should be expanded or updated . You can assist by editing it A stage adaptation of this film is currently on tour in the Eastern Hemisphere , produced by DMS Productions and Hasbro International Inc . , directed and choreographed by Jamie Neale with book and additional lyrics by Hugh Osborne . Merchandise Book versions Two chapter books , one an expansion of the prequel and the other " The third exciting adventure in the Equestria Girls series ! The girls rock a new story about friendship at Canterlot High . The follow - up to Through the Mirror " , were posted on Hachette Book Group ' s website and enlist the books for respective April 8 , 2014 and October 7 , 2014 releases . Toys merchandise was showcased at the 2014 American International Toy Fair , including pony and human versions of the main cast and human versions of Octavia Melody Soundtrack The film ' s soundtrack was originally announced as being released on September 9 , 2014 . The following day , Hasbro explained there was an " unforeseen delay " in the release of the soundtrack . It was released a day later on September 10 . The soundtrack contains nine of the eleven songs with one bonus track Quotes For more quotes , see the film ' s transcript Dialogue in a Hasbro image Pinkie Pie : Hey Twilight ! Lets [ sic ] make some Music ! Twilight Sparkle : Hey Pinkie ! I ' m ready to ROCK ! Dialogue from the film : Ugh ! I wish we ' d never been banished to this awful place ! : [ sarcastically ] Really ? I love it here ! : For realsies ? Because I think this place is the worst . : I think you ' re the worst , Sonata . : Oh , yeah ? Well , I think you ' re : Ergh ! I ' ll tell you one thing , being stuck here with you two is n ' t making this world any more [ through clenched teeth ] bearable Rarity : Quite the eye - catching advertisement , if I do say so myself . : And it smells like cake ! Fluttershy : It does ? [ sniff , sniff ] : I used frosting instead of paste ! : A demon . I turned into a raging she - demon . : And tried to turn everyone here into teenage zombies for your own personal army ! : We have been known to sing from time to time . : Hello ? We sing , like , all the time ! It ' s how we get people to do what we want . : [ growls ] : Wha - What did I say ? : What you meant to say was that being in a musical showcase sounds like a great way to meet other students . : Ohhhh , yeah . Th - What she said I meant to say . That ' s what I meant . To say . : [ scoffs ] And what you would have said if you were n ' t the worst . You are ! : You ' ll have to excuse them . They ' re idiots . : Hmph . Applejack : So how was the tour ? : I do n ' t know . I mean , these girls , they were . . . There was something off about them . : Like , off like this ? Or off like this ? Or . . . Oh , oh ! Like — Rainbow Dash : Maybe we should just let her tell us . : This is it , girls . The moment we ' ve been waiting for . : Lunch ? ! : [ groan ] The chance to get our true Equestrian magic back . : Oh . Right . : But we can get lunch after though , right ? It ' s Taco Tuesday ! : Ohhhh . They ' re that kind of " off " . : So let ' s take them down ! It ' s not like we have n ' t tangled with dark magic before and totally whooped its sorry butt ! Uh , no offense . : [ sighs ] None taken . Again . : But that was when Twilight was here . There may be some kind of magic inside us , but it only comes out when we play music . I sure do n ' t know how to use it to . . . whoop anybody ' s butt . : The way Sunset Shimmer described them , I think these new girls sound an awful lot like . . . the sirens . : Not the sirens ! [ whispering loudly to Fluttershy ] I do n ' t actually know what that is ! : I hate to burst your bubble , Twilight , but the connection between their world and Equestria will still be totally cut off for a super long time . : Okay , first of all , if there was bubble - blowing going on , why was n ' t I told about it ? ! And secondly , if the connection is totally cut off , how was Sunset Shimmer able to get a message to Twilight ? : [ gasps ] Pinkie , you ' re a genius ! : Yeah , I get that a lot . [ to Rainbow Dash ] Now about those bubbles . . . : Now that we ' re all back together , we can use that magic on the sirens . Just like when we were able to use it on Sunset Shimmer when she turned into that horrifyingly awful winged monster ! No offense . : [ disgruntled ] None taken . Heh . I ' m used to it . : [ mock surprise ] Oh , no ! No one ' s mingling ! It ' s like there ' s some kind of underlying tension that could bubble to the surface at any minute ! : It ' s the fruit punch , is n ' t it ? I knew I used too much grape juice ! : It ' s not the fruit punch ! It ' s us ! : But the punch is awful , too . : What do you know about good fruit punch ? : More than you ! : Do not ! : Do too ! : Alright , girls , let ' s do this ! Friendship is magic ! [ awkward silence ] : Uh , were n ' t there rainbows and lasers and stuff last time ? : [ to Twilight ] You , uh . . . really need to go ahead and do that whole " magic of friendship " thing now . : [ to Twilight ] So what do you wanna play ? Triangle ? [ ding ] Sousaphone ? [ fwomp ! ] Theremin ? [ plays theremin ] Soooo magical . Maud Pie : Boulder was hungry . : I still ca n ' t get over the fact that she ' s related to Pinkie Pie . : You and me both ! : Eh , that sounded . . . way better than the last . . . five times you ' ve played it . Heh heh . Big McIntosh : Nnope . : We really need to stop bumping into each other like this . : [ to bandmates ] Uh , you guys hear something ? Bandmates : [ " Nope " , etc . ] : I said , we have to stop — : There it is again . So annoying . : [ about Trixie Lulamoon ] She ' s gone ! Oh , wait , there she is . : [ chuckle ] Told you someone would give them a shove . : She did n ' t shove them . She pulled a lever . : [ groans ] Go back to sleep , Sonata . Trixie Lulamoon : Trixie ' s okay ! Sci - Twi : No doubt about it , Spike . There ' s definitely something strange going on at that school . . . Puppy Spike : [ barks ] Gallery My Little Pony Equestria Girls : Rainbow Rocks image gallery See also List of Equestria Girls characters My Little Pony Equestria Girls Wiki References ↑ 1.0 1.1 My Little Pony : Equestria Girls Rainbow Rocks . Myvue ( 2014 - 10 - 10 ) . Retrieved on 2014 October 10 . ↑ ¡ ùnete a la batalla de bandas ! My Little Pony Equestria Girls Rainbow Rocks , ¡ Del 7 al 16 de noviembre ! En salas Cinèpolis ( Spanish ) ( 2014 - 10 - 12 ) . Retrieved on 2014 October 12 . ↑ Premierowe filmy w teleTOON+ ( Polish ) ( 2014 - 10 - 09 ) . Retrieved on 2014 October 12 . « Дівчата з Еквестрії 2 : Райдужний Рок » на ПлюсПлюс ( Промо ) ( Ukrainian ) YouTube ( 2014 - 11 - 07 ) . Magia e colpi di scena , tornano al cinema i My Little Pony ( Italian ) ( 2014 - 10 - 08 ) . Retrieved on 2014 October 8 . PROGRAMAÇÃO DE TV ( Portuguese ) . Discovery Kids Brasil ( 2014 - 10 - 26 ) . Retrieved on 2014 October 26 . My Little Pony : Equestria Girls - Rainbow Rocks ( dub ) ( Finnish ) . Finnkino . ↑ 8.0 8.1 My Little Pony Equestria Girls 2 . Event Cinemas ( 2014 - 11 - 10 ) . Retrieved on 2014 November 10 . 9.0 9.1 My Little Pony , i film in prima tv in attesa di Equestria Girls Rainbow Rocks ( Italian ) . Blogo Entertainment ( 2014 - 10 - 10 ) . Retrieved on 2014 October 10 . Disney Channel My Little Pony : Equestria Girl - Rainbow Rocks 22 Kasım Cumartesi ( Turkish ) . Yayın Akışı . My Little Pony : Equestria Girls – Rainbow Rocks Minimax TV műsor 2014 . november 29 . 08 : 00 ( Hungarian ) . Animare TV újság . ( German ) . fernsehserien . de ( 2014 - 11 - 28 ) . Retrieved on 2014 November 28 . Untitled . U.A.E. Bronies Facebook Group ( 2015 - 03 - 17 ) . Retrieved on 2015 September 27 . 14.0 14.1 My Little Pony : Equestria Girls - Rainbow Rocks . Amazon U.K. ( 2014 - 11 - 16 ) . Retrieved on 2014 November 16 . ครั้งแรกในเมืองไทย กับ มายลิตเติ้ลโพนี่ เดอะมูวี่ 18 ตุลาคมนี้ ( Thai ) . movie . sanook . com ( 2015 - 10 - 12 ) . 16.0 16.1 16.2 16.3 Sherrily Connelly ( 2014 - 10 - 22 ) . The 14 Coolest Things from the My Little Pony : Equestria Girls - Rainbow Rocks DVD Commentary Topless Robot Sethisto ( 2014 - 02 - 03 ) . International Toy Fair 2014 Report Equestria Daily . Retrieved on 2014 February 3 . Tara Strong AMA Reddit ( 2014 - 02 - 09 ) . Retrieved on 2014 February 9 . Meghan McCarthy ( 2014 - 02 - 13 ) . In case you were wondering . . . Twitter . Retrieved on 2014 February 13 . Mike Vogel ( 2014 - 04 - 02 ) . In other words . . . Twitter . Retrieved on 2014 April 2 . Daniel Ingram ( 2014 - 02 - 13 ) . @ JustGame4It yup , I have . . . . Retrieved on 2014 February 13 . Ishi Rudell ( 2014 - 09 - 27 ) . If you like the opening title sequence . . . . Retrieved on 2014 September 27 . Ishi Rudell ( 2014 - 09 - 27 ) . “ @ EquestriaGuy : @ ishiH3Art whose art was that . . . . Retrieved on 2014 September 27 . Ishi Rudell ( 2014 - 04 - 03 ) . ishiH3Art : @ JamieKilpatrick because all . . . . Twitter . Retrieved on 2014 April 3 . Ishi Rudell ( 2014 - 04 - 17 ) . ishiH3Art : “ @ ErcJac : @ ishiH3Art Will . . . . Twitter . Retrieved on 2014 April 25 . Ishi Rudell ( 2014 - 04 - 21 ) . ishiH3Art : “ @ nhSnork : at this point , . . . . Twitter . Retrieved on 2014 April 29 . Hillary Busis ( 2014 - 02 - 13 ) . ' My Little Pony Equestria Girls ' : Yes , there will be a sequel . And we ' ve got a clip ! EXCLUSIVE Entertainment Weekly Comic - Con 2014 : Hasbro Studios : My Little Pony Friendshi . . . . Sched . Retrieved on 2014 July 12 . Yahoo TV ( 2014 - 07 - 24 ) . First Look : ' My Little Pony ' Posse Goes Up Against a ( Mean ) Girl Group In ' Equestria Girls — Rainbow Rocks ' Yahoo TV . Retrieved on 2014 July 24 . EQD Exclusive : Equestria Girls Rainbow Rocks 30 Second Shout Factory Promo YouTube ( 2014 - 09 - 10 ) . Retrieved on 2014 September 10 . Equestria Girls Trailer Highlights More Characters ! . YouTube ( 2014 - 09 - 12 ) . Retrieved on 2014 September 12 . ' My Little Pony : Equestria Girls — Rainbow Rocks ' Trailer Yahoo ! TV ( 2014 - 09 - 18 ) . Retrieved on 2014 September 18 . MLP : Equestria Girls Rainbow Rocks - Official Movie Trailer # 1 . YouTube ( 2014 - 09 - 22 ) . Retrieved on 2014 September 22 . MLP : Equestria Girls - Rainbow Rocks SNEAK PEEK # 1 ( 2014 - 08 - 18 ) . Retrieved on 2014 August 20 . MLP : Equestria Girls - Rainbow Rocks SNEAK PEEK # 2 ( 2014 - 08 - 25 ) . Retrieved on 2014 August 25 . MLP : Equestria Girls - Rainbow Rocks SNEAK PEEK # 3 ( 2014 - 08 - 29 ) . Retrieved on 2014 August 29 . MLP : Equestria Girls - Rainbow Rocks SNEAK PEEK # 4 ( 2014 - 09 - 05 ) . Retrieved on 2014 September 5 . Equestria Girls ™ Rainbow Rocks Part 1 ( 2014 - 02 - 27 ) . Retrieved on 2014 March 27 . MLP Equestria Girls ™ Rainbow Rocks Part 2 ( 2014 - 08 - 04 ) . Retrieved on 2014 August 5 . Rainbow Rocks Premiere Shout Factory ( 2014 - 10 - 06 ) . Retrieved on 2014 October 9 . My Little Pony Equestria Girls : Rainbow Rocks DVD Factsheet Phase 4 Films ( 2014 - 07 - 01 ) . Retrieved on 2014 August 11 . Sethisto ( 2014 - 10 - 01 ) . Rainbow Rocks Blu - Ray Audio Commentary Cast Revealed Equestria Daily . Retrieved on 2014 October 2 . James Zahn ( 2014 - 10 - 13 ) . My Little Pony Equestria Girls : Rainbow Rocks heads home on Blu - ray and DVD . . . The Rock Father . Retrieved on 2014 October 13 . My Little Pony : Equestria Girls - Rainbow Rocks . Shout ! Factory ( 2014 - 10 - 28 ) . Retrieved on 2014 October 28 . My Little Pony : Equestria Girls ( Three Movie Gift Set ) Amazon . com ( 2015 - 07 - 23 ) . Retrieved on 2015 July 23 . My Little Pony Musical ! . Habsro . Retrieved on 2016 November 6 . Mike Vogel ( 2014 - 04 - 02 ) . " Fun Pony fact for the day . . . " . Retrieved on 2014 April 2 . Finn , Perdita ( 2014 - 01 - 26 ) . My Little Pony : Equestria Girls : Rainbow Rocks Hachette Book Group . Retrieved on 2014 January 26 . Finn , Perdita ( 2014 - 03 - 01 ) . My Little Pony : Equestria Girls : Rainbow Rocks : The Mane Event . Retrieved on 2014 July 10 . Hasbro ( 2014 - 09 - 02 ) . Ca n ’ t wait to see . . . . Retrieved on 2014 September 2 . Hasbro ( 2014 - 09 - 10 ) . # RainbowRocks fans , we are so sorry ! . Retrieved on 2014 September 10 . My Little Pony : Equestria Girls - Rainbow Rocks ( Original Motion Picture Soundtrack ) iTunes ( 2014 - 09 - 10 ) . Retrieved on 2014 September 10 . equestria - girls . 4 . jpg ( 2014 - 03 - 27 ) . Retrieved on 2014 June 27 . Куклы пони ( Russian ) Hasbro Russia . Retrieved on 2014 June 27 . v e Episodes , films and animated shorts Season one Episode 1 Friendship is Magic , part 1 Episode 2 Friendship is Magic , part 2 Episode 3 The Ticket Master Episode 4 Applebuck Season Episode 5 Griffon the Brush Off Episode 6 Boast Busters Episode 7 Dragonshy Episode 8 Look Before You Sleep Episode 9 Bridle Gossip Episode 10 Swarm of the Century Episode 11 Winter Wrap Up Episode 12 Call of the Cutie Episode 13 Fall Weather Friends Episode 14 Suited For Success Episode 15 Feeling Pinkie Keen Episode 16 Sonic Rainboom Episode 17 Stare Master Episode 18 The Show Stoppers Episode 19 A Dog and Pony Show Episode 20 Green Is n ' t Your Color Episode 21 Over a Barrel Episode 22 A Bird in the Hoof Episode 23 The Cutie Mark Chronicles Episode 24 Owl ' s Well That Ends Well Episode 25 Party of One Episode 26 The Best Night Ever Season two Episode 1 The Return of Harmony Part 1 Episode 2 The Return of Harmony Part 2 Episode 3 Lesson Zero Episode 4 Luna Eclipsed Episode 5 Sisterhooves Social Episode 6 The Cutie Pox Episode 7 May the Best Pet Win ! Episode 8 The Mysterious Mare Do Well Episode 9 Sweet and Elite Episode 10 Secret of My Excess Episode 11 Hearth ' s Warming Eve Episode 12 Family Appreciation Day Episode 13 Baby Cakes Episode 14 The Last Roundup Episode 15 The Super Speedy Cider Squeezy 6000 Episode 16 Read It and Weep Episode 17 Hearts and Hooves Day Episode 18 A Friend in Deed Episode 19 Putting Your Hoof Down Episode 20 It ' s About Time Episode 21 Dragon Quest Episode 22 Hurricane Fluttershy Episode 23 Ponyville Confidential Episode 24 MMMystery on the Friendship Express Episode 25 A Canterlot Wedding - Part 1 Episode 26 A Canterlot Wedding - Part 2 Season three The Crystal Empire - Part 1 The Crystal Empire - Part 2 Too Many Pinkie Pies One Bad Apple Magic Duel Sleepless in Ponyville Wonderbolts Academy Apple Family Reunion Spike at Your Service Keep Calm and Flutter On Just for Sidekicks Games Ponies Play Magical Mystery Cure Season four Princess Twilight Sparkle - Part 1 Princess Twilight Sparkle - Part 2 Castle Mane - ia Daring Do n ' t Flight to the Finish Power Ponies Bats ! Rarity Takes Manehattan Pinkie Apple Pie Rainbow Falls Three ' s A Crowd Pinkie Pride Simple Ways Filli Vanilli Twilight Time It Ai n ' t Easy Being Breezies Somepony to Watch Over Me Maud Pie For Whom the Sweetie Belle Toils Leap of Faith Testing Testing 1 , 2 , 3 Trade Ya ! Inspiration Manifestation Equestria Games Twilight ' s Kingdom - Part 1 Twilight ' s Kingdom - Part 2 Season five The Cutie Map - Part 1 The Cutie Map - Part 2 Castle Sweet Castle Bloom & Gloom Tanks for the Memories Appleoosa ' s Most Wanted Make New Friends but Keep Discord The Lost Treasure of Griffonstone Slice of Life Princess Spike Party Pooped Amending Fences Do Princesses Dream of Magic Sheep ? Canterlot Boutique Rarity Investigates ! Made in Manehattan Brotherhooves Social Crusaders of the Lost Mark The One Where Pinkie Pie Knows Hearthbreakers Scare Master What About Discord ? The Hooffields and McColts The Mane Attraction The Cutie Re - Mark - Part 1 The Cutie Re - Mark - Part 2 Season six The Crystalling - Part 1 The Crystalling - Part 2 The Gift of the Maud Pie On Your Marks Gauntlet of Fire No Second Prances Newbie Dash A Hearth ' s Warming Tail The Saddle Row Review Applejack ' s " Day " Off Flutter Brutter Spice Up Your Life Stranger Than Fan Fiction The Cart Before the Ponies 28 Pranks Later The Times They Are A Changeling Dungeons & Discords Buckball Season The Fault in Our Cutie Marks Viva Las Pegasus Every Little Thing She Does P.P.O.V. ( Pony Point of View ) Where the Apple Lies Top Bolt To Where and Back Again - Part 1 To Where and Back Again - Part 2 Season seven Celestial Advice All Bottled Up A Flurry of Emotions Rock Solid Friendship Fluttershy Leans In Forever Filly Parental Glideance Hard to Say Anything Honest Apple A Royal Problem Not Asking for Trouble Discordant Harmony The Perfect Pear Fame and Misfortune Triple Threat Campfire Tales To Change a Changeling Daring Done ? It Is n ' t the Mane Thing About You A Health of Information Marks and Recreation Once Upon a Zeppelin Secrets and Pies Uncommon Bond Shadow Play - Part 1 Shadow Play - Part 2 Season eight School Daze - Part 1 School Daze - Part 2 The Maud Couple Fake It ' Til You Make It Grannies Gone Wild Surf and / or Turf Horse Play The Parent Map Non - Compete Clause The Break Up Break Down Molt Down Marks for Effort The Mean 6 A Matter of Principals The Hearth ' s Warming Club Friendship University The End in Friend Yakity - Sax Road to Friendship The Washouts A Rockhoof and a Hard Place What Lies Beneath Sounds of Silence Father Knows Beast School Raze - Part 1 School Raze - Part 2 Season nine The Beginning of the End - Part 1 The Beginning of the End - Part 2 Uprooted Twilight ' s Seven The Point of No Return Common Ground She ' s All Yak Frenemies Sweet and Smoky Episode 10 Episode 11 Episode 12 Episode 13 Episode 14 Episode 15 Episode 16 Episode 17 Episode 18 Episode 19 Episode 20 Episode 21 Episode 22 Episode 23 Episode 24 Episode 25 Episode 26 Feature films Friendship Games Legend of Everfree My Little Pony The Movie Specials Dance Magic Movie Magic Mirror Magic Forgotten Friendship Rollercoaster of Friendship Best Gift Ever Spring Breakdown Animated shorts shorts shorts Summertime Shorts Equestria Girls : Better Together ( season 1 ) Equestria Girls : Better Together ( season 2 ) Equestria Girls : Choose Your Own Ending Equestria Girls Minis Baby Flurry Heart ' s Heartfelt Scrapbook Rarity ' s Peek Behind the Boutique Fundamentals of Magic My Little Pony Established 1983 Friendship is Magic shorts Categories Pages that need improvement Films Featured articles Languages : Deutsch Español Polski Português Русский	[ "Little Pony Equestria Girls", "Rainbow Rocks" ]
http://mlp.wikia.com/wiki/Princess_Luna	in : Alicorn ponies Royalty Female characters and 3 more Princess Luna English Edit Comments ( 4k ) Share The above video is added by FANDOM ' s Staff , not members of the MLP FiM Wiki . Please take notice that the above video may contain inaccuracies , fan labor , or out - of - date information regarding the article ' s subject matter . For this character ' s human counterpart , see Vice Principal Luna Princess Luna ( Nightmare Moon ) Princess Luna in Bloom & Gloom Princess Luna ' s earlier form Nightmare Moon in Princess Twilight Sparkle - Part 2 Kind Alicorn Sex Female Residence Canterlot Moon ( banished until S1E1 Castle of the Two Sisters ( formerly ) Occupation Co - ruler of Equestria Other links Princess Luna image gallery Appearances gallery Speculation forum More info Eyes Moderate cyan Vivid cerise ( realm of shadow ) Mane Moderate sapphire blue with grayish persian blue outline Very light azure ( early ) Brilliant phthalo blue with grayish persian blue outline ( Nightmare Moon ) Moderate red black outline and deep reddish brown ( realm of shadow ) Coat Dark blue Grayish phthalo blue ( early ) Very dark cornflower blue ( Nightmare Moon ) Moderate amaranth Eyeshadow Light sapphire blue Moderate violet ( alternate universe ) Light brilliant amber Eyebrows Moderate blue violet ( Nightmare Moon ) Magic aura Moderate cobalt blue Brilliant cyan light violet sparks ( Nightmare Moon ) Vivid scarlet ( alternate universe ) Very light gold ( when switched with Celestia ' s cutie mark in A Royal Problem Nicknames Nightmare Moon , The Mare in the Moon , Princess of the Night , Night Mare , Mare on the Moon , Guardian of the Night , Mayor in the Moon , Starry Night Terror , L ( The Periodic Table of My Little Pony ) , Nm ( The Periodic Table of My Little Pony Relatives Princess Celestia ( older sister ) Princess Cadance ( adoptive niece ) Prince Blueblood ( distant nephew ) Twilight Sparkle ( niece - in - law ) Shining Armor ( nephew - in - law ) Cutie mark ( usual ) ( as Nightmare Moon ) ( when switched with Celestia in A Royal Problem Voice Both Princess Luna and Nightmare Moon : Tabitha St . Germain English Marjolein Algera ( Dutch Fanny Roy ( French Ella Pyhältö ( Finnish , episodes 1 and 2 Heike Schroetter ( German Kriszta Németh ( Hungarian Takako Honda Japanese Jeong Yu - mi ( Korean Brygida Turowska ( Polish Fátima Noya ( Brazilian Portuguese , season 1 Leticia Quinto ( Brazilian Portuguese , season 2 onwards except S4E1 S4E2 S6E25 , and S6E26 Anca Sigmirean ( Romanian , season 4 Olga Zvereva ( Russian , season 1 Darya Frolova ( Russian , season 2 onward Lidia Muraschenko ( Ukrainian , season 5 onward Princess Luna only : Sari Ann Stolt ( Finnish , season 2 onwards Jill Böttcher ( German , season 1 Deborah Morese ( Italian Yumi Uchiyama Japanese , season 1 Ana Vieira ( European Portuguese Mihaela Gherdan ( Romanian , season 1 Gabriela Codrea ( Romanian , seasons 2 - 3 , 5 - 6 Anda Tamaseanu ( Romanian , S4E19 Ramiliya Iskander ( Russian , My Little Pony The Movie Olga Shorokhova ( Russian , Forgotten Friendship Christine Byrd ( Latin American Spanish , season 1 Irene Jiménez ( Latin American Spanish , season 2 Laura Ayala Latin America Spanish , season 3 onward Josefina Hylén ( Swedish , season 1 Sharon Dyall ( Swedish , season 2 Yulia Perenchuk ( Ukrainian , seasons 1 - 3 Anastasia Zinovenko ( Ukrainian , season 4 Nightmare Moon only : Elda Olivieri ( Italian Mirela Corbeanu ( Romanian , season 1 Gabriela Codrea ( Romanian , season 2 Jelena Petrović ( Serbian Magda Giner Latin American Spanish Olena Blinnikova ( Ukrainian , seasons 1 - 2 Valentyna Sova ( Ukrainian , season 4 Shadowbolt mare only : Susa Saukko ( Finnish Asami Yoshida Japanese Agata Gawrońska - Bauman ( Polish Anca Sigmirean ( Romanian Laura Torres ( Latin American Spanish Singing voice Kazumi Evans English , S4E25 Aloma Steele ( English , S6E8 Ekaterina Shulgina ( Russian , S6E8 Carla Cerda ( Princess Luna , known as Nightmare Moon or Night Mare Moon when transformed or under certain other circumstances , is an Alicorn pony , the younger sister of Princess Celestia , and the main antagonist of the season one premiere of My Little Pony Friendship is Magic as Nightmare Moon . She is also the adoptive aunt of Princess Cadance . Eventually , the Elements of Harmony restore Luna to her former self and she returns to rule over Equestria alongside her older sister . Princess Luna / Nightmare Moon is called by her respective early names Princess Selena Night Mare in another depiction Contents show Development and design The word " Luna " means " moon " in Italian and Spanish , in both cases derived from Latin — Luna is the Latin name for the Greek moon goddess Selene ( Σελήνη ) , who is the daughter of Hyperion and Theia in Greek mythology . In the European French dub , Nightmare Moon is named La Jument Séléniaque , loosely translated as " the mare Selene " or " the Selene Mare . " Her title in Twilight Sparkle ' s book in Friendship is Magic , part 1 , " Mare in the Moon , " is a play on the mythic story Man in the Moon The Elements of Harmony guidebook states that Luna ' s original name was Selena and shows development and concept art of the then - named " Princess Selena " / " Night Mare " ; these names are used in a Friendship is Magic storybook . According to Lauren Faust , Princess Luna ' s name " was Selena for a short time , but there were legal problems with it , " and Nightmare Moon was originally named " Discord , " a name which would later be given to another eventually - reformed villain Princess Luna has two designs , differing in that her coat is a darker shade of blue and that her mane is partially translucent , rippling and sparkling like Celestia ' s . Depiction of her as a filly — on the fan - designed WeLoveFine T - shirts " Old School Cutie Mark " ( without her cutie mark ) and " Flying in Circles " ( with her cutie mark ) — uses the lighter - coated - and - normal - maned design ; depiction of her as a mare has switched between the two designs on multiple occasions : Switch between a flashback on page 21 of the My Little Pony : FIENDship is Magic Issue # 1 story and a flashback in The Crystal Empire - Part 1 Switch - back before and after being Nightmare Moon respectively in a flashback in Princess Twilight Sparkle - Part 1 and in Friendship is Magic , part 2 Switch between the above point and Luna Eclipsed Switch - back between the above point and page 15 of the My Little Pony : Friendship is Magic Issue # 5 story Switch on page 15 of the My Little Pony : Friendship is Magic Issue # 8 Her old design is still used in some merchandise , the online game Castle Creator , and the commercial The Fresh Princess of Friendship , and her old mane is partly visible in some shots . Lauren Faust has stated that when Luna is fully grown , she will not look like Nightmare Moon She also speculated that when Nightmare Moon was defeated , Luna was reborn with very low magic levels , and that her mane was eventually magical and wavy again because her good powers had been restored . A scene with Rarity giving Princess Luna a makeover was cut from the episode Luna Eclipsed The post - makeover pink Luna appears in a Flash asset of the online game Castle Creator Princess Luna in The Flash asset of pink Luna . Luna ' s design is similar to those of Fleur Dis Lee the Headless Horse , the Mane - iac , " Tropical Dream " , Sassy Saddles S06E20 Unnamed Earth Mare # 8 S06E20 Unnamed Earth Mare # 9 , and S06E20 Unnamed Earth Mare # 10 Depiction in the series History The younger Alicorn princess , later named Princess Luna , in the first episode ' s prologue . Princess Luna is introduced in the prologue of the first episode , depicted in a series of medieval - like drawings with a narration that says , " Two regal sisters who ruled together and created harmony for all the land , " and that " the eldest used her unicorn powers to raise the sun at dawn ; the younger brought out the moon to begin the night . " The narration continues by stating : their subjects , the ponies , played in the day but " shunned " the night and slept through it , which made the younger Alicorn grow bitter , eventually refusing to lower the moon to make way for the dawn . Her bitterness " transformed her into a wicked mare of darkness : Nightmare Moon . " The elder sister reluctantly harnessed the power of the Elements of Harmony and " banished her permanently in the moon , " taking responsibility for both sun and moon , maintaining harmony in Nightmare Moon in Friendship is Magic , part 2 . Following the prologue , reads of a prophecy about the Mare in the Moon that states that " on the longest day of the thousandth year , the stars will aid in her escape , and she will bring about nighttime eternal . " Indeed , this prophecy comes to pass , and Nightmare Moon appears before the ponies of Ponyville during the Summer Sun Celebration . At the end of the second episode , Twilight and her new friends confront Nightmare Moon and transform her back into Princess Luna with the Elements of Harmony , and she remorsefully accepts Princess Celestia ' s offer to rule by her side again . The show ' s developer , , explained in a comment on her DeviantArt page that Luna could not have been " drawn " from Nightmare Moon for a thousand years , and that Princess Celestia " did what she could " to orchestrate breaking the spell that turned Luna into Nightmare Moon . Faust added that this explanation is " as far as [ she ] ever got with it , " and that the explanation might unfold differently on the show . A Canterlot Wedding Arriving for the celebrations in A Canterlot Wedding Part 2 . Luna makes cameo appearances in A Canterlot Wedding - Part 1 and Part 2 . In Part 1 , Luna takes over the night shift from her sister after flying in silhouetted by the moon , and later tells Twilight to remain inside after spotting her running towards the castle . She appears again in the end of Part 2 , when she flies in greeting everyone and asking if she missed anything . Luna dances with the other ponies after Pinkie Pie and DJ Pon - 3 start the wedding party music which concludes the episode . The Crystal Empire Celestia telling Luna about Twilight . Luna makes brief appearances in The Crystal Empire - Part 1 Part 2 . In the first part , she expresses doubt to Celestia over whether Twilight is ready for her task . Celestia shows Twilight a flashback where the two sisters worked together to defeat King Sombra , turning him into a shadow with their magic and imprisoning him in the frozen north . Luna reappears at the end of Part 2 . She and Celestia watch as Twilight and her friends return home . Luna then conjures up a spiral - bound book , as Celestia nods , confirming that her student is " much closer to being ready . " Magical Mystery Cure Luna and Celestia during the crowning of Princess Twilight . In the season three finale Magical Mystery Cure , Luna appears near the end of the episode alongside her sister and Princess Cadance , attending the coronation of Twilight Sparkle as a Princess . She can be seen wearing a dress and more ornate , elaborate versions of her crown , shoes , and collar . It is also revealed that the book Luna had produced at the end of part 2 of The Crystal Empire was the journal of Star Swirl the Bearded , which contained an unfinished spell that Celestia believed Twilight to be capable of completing . Princess Twilight Sparkle Luna lowers the moon for the Summer Sun Celebration . Luna makes appearances in Princess Twilight Sparkle - Part 1 . In Part 1 , while Princess Celestia speaks to Twilight about the Summer Sun Celebration , Luna is seen on a nearby castle balcony , happily raising the moon . During the episode , she is captured off - screen by black vines growing out of the Everfree Forest . When Twilight drinks a potion given to her by Zecora , she is transported into a castle , where she encounters Luna . Luna proclaims that she will be the only princess in Equestria , and she undergoes a transformation into Nightmare Moon , much to Twilight ' s horror . In Part 2 , Celestia arrives to the scene , and an aerial fight ensues . Twilight soon realizes that the potion has taken her to the past , and that she is witnessing the banishment of Nightmare Moon . Moments later , Celestia uses the Elements of Harmony to banish Luna to the moon . Twilight drinks the potion again and witnesses Luna and Celestia battling Discord and turning him to stone for the first time . She also sees the two sisters taking the Elements from the Tree of Harmony . Later , Twilight and her friends free Tree of Harmony . At the end of Part 2 , Luna takes part in the Summer Sun Celebration , lowering the moon so Celestia could raise the sun . Twilight ' s Kingdom Luna singing in Twilight ' s Kingdom - Part 1 . In Twilight ' s Kingdom - Part 1 , Luna assists Celestia , Cadance and Twilight in welcoming the Duke and Duchess of Maretonia . Shortly after , Luna joins Celestia and Cadance in a song , admitting to Twilight that she understands how she is feeling . Later in the evening , Luna rushes into Celestia ' s room when she hears her scream from having a nightmare . She informs Celestia that she did not have a dream , but rather a vision . The next morning , she and Celestia tell Twilight the story of Lord Tirek and his brother Scorpan , and how Tirek was imprisoned in Tartarus . Luna mentions that they believe Tirek escaped during the events of It ' s About Time when Cerberus left his post and attacked Ponyville . In Twilight ' s Kingdom - Part 2 , she and the other princesses transfer their magic to Twilight ; Luna ' s cutie mark — unlike those of Celestia , Cadance , and the ponies whose magic Tirek steals — does not completely disappear , losing only the moon marking and keeping the darker part underneath . Tirek and Discord eventually break into Canterlot Castle and Tirek attempts to steal the three princesses ' magic , but soon learns that they have transferred it all to Twilight . Luna , along with Cadance and Celestia , is sent to Tartarus as revenge for Tirek ' s original imprisonment . After Tirek is defeated , the three princesses are released and return home to Equestria . The Cutie Re - Mark - Part 2 Nightmare Moon in the season five finale . In The Cutie Re - Mark - Part 2 , due to Starlight Glimmer ' s alteration of the past , she inadvertently creates a future where Nightmare Moon deposes Princess Celestia , banishes her to the moon , and brings about eternal night . Catching word of Twilight Sparkle ' s method of time travel used to stop Starlight , Nightmare Moon expresses interest in using this magic to prevent the Elements of Harmony from being found , ensuring her eternal rule . However , Twilight gets away and rewrites the timeline before Nightmare Moon can act upon it . A Hearth ' s Warming Tail In A Hearth ' s Warming Tail , Luna depicts the Spirit of Hearth ' s Warming Yet to Come in ' s imagining of the story " A Hearth ' s Warming Tale " . To Where and Back Again Princess Luna giving advice to Starlight Glimmer . To Where and Back Again - Part 1 , Princess Luna helps comfort Starlight Glimmer when she has a nightmare about her fellow villagers of Our Town . Later , Queen Chrysalis ' changelings capture Luna , and she warns Starlight about them . At the end of , Luna is rescued along with the other captives , and she joins in celebrating the Sunset Festival in Our Town . , Starlight Glimmer is sent by the Cutie Map to solve a friendship problem between Celestia and Luna . When the sisters demonstrate a lack of communication and appreciation for one another , Starlight switches their cutie marks and has them trade places for a day . Because of her difficulty dealing with other ponies , Luna accidentally ruins a fundraiser for school foals and causes a timberwolf scare among delegates . With Starlight Glimmer ' s help , the two sisters gain an appreciation for each other ' s royal duties and make amends . Shadow Play Shadow Play - Part 1 , Luna and Celestia are present when Sunburst reads from the Star Swirl the Bearded ' s lost journal and express interest in what became of their former teacher . In , they are reunited with Star Swirl after the Pony of Shadows is defeated . School Raze School Raze - Part 1 , Luna takes part in the discussion regarding magic fading from Equestria , commenting on her difficulty in raising the moon . She also cautions Twilight and her friends against the hazards of Tartarus . In , she appears with Celestia and the royal guards to apprehend Cozy Glow , and later takes her to Tartarus accompanied by a pair of guards . Best Gift Ever In the hour - long special My Little Pony Best Gift Ever , Luna briefly appears spending Hearth ' s Warming with Celestia in Canterlot . The Beginning of the End In the season nine premiere The Beginning of the End - Part 1 , Celestia and Luna announce their decision to retire from ruling Equestria and have Twilight and her friends rule in their place . She also appears in a nightmare vision given to Twilight by King Sombra , transforming into Nightmare Moon . In , Luna , Celestia , and Star Swirl the Bearded keep the Everfree Forest from encroaching on Ponyville after the Elements of Harmony are destroyed . At the end , Celestia and Luna decide not to retire after realizing the pressure they suddenly put on Twilight ' s shoulders , and they agree to only let Twilight take over for them when she is ready . Personality As Nightmare Moon Much like the archetypal , over - the - top villains , Nightmare Moon is overly confident of herself and dramatically declares that the protagonist is a fool ( foal ) for thinking she can defeat her , and that " the night will last forever . " She is portrayed as vicious and maniacal , shown when she attacks Princess Celestia and cackles evilly in Princess Twilight Sparkle - Part 2 Bitterness Her bitterness grows inside her and turns her into Nightmare Moon . The narration at the beginning of Friendship is Magic , part 1 speaks of Luna ' s bitterness which transformed her . When she first appears , she intimidates the ponies with her evil laugh and pointed questions . She snidely refers to the ponies as her " beloved subjects , " but appears genuinely impressed when Twilight Sparkle recognizes her as Nightmare Moon . Manipulation Nightmare Moon making the cliff tumble down . Nightmare Moon uses her magic to set obstacles in Twilight and her friends ' path to the Elements of Harmony indirectly , making creatures unwittingly assist her . These include the manticore , whose paw she embeds with a thorn so he ' d attack the ponies , or Steven Magnet , whose mustache she cuts off so he ' d make the river impassible . She further indirectly attacks the ponies by causing a cliff side to collapse underneath the ponies ' hooves and making trees look like monsters . As the Shadowbolts , she tries to persuade Rainbow Dash to abandon her friends so they wo n ' t be able to cross a fallen bridge and reach the Elements of Harmony . Despite her indirect approach , when she is attacked by the royal guards , she quickly repels them with lightning , then turns into mist and floats away . She also confronts Twilight Sparkle directly when the two charge at each other , right before shattering the Elements of Harmony . As Princess Luna Remorse Luna accepting Celestia ' s friendship . Once transformed back to her former self , Princess Luna is remorseful and tearful upon seeing her older sister . She runs to Celestia ' s side , apologizing for what she had done . The two sisters later join the celebration in Ponyville , where Luna receives a welcome wreath in wonderment , and gazes up with an anxious smile at her older sister . However , as stated in Do Princesses Dream of Magic Sheep ? , Luna ' s sense of guilt causes her to create the Tantabus in order to give herself nightmares every night as punishment for the suffering she caused as Nightmare Moon . Excessive decorum Princess Luna ' s return . Princess Luna returned to the show exactly one year after the broadcast date of Friendship is Magic , part 2 , in the episode . The episode takes place in Ponyville during Nightmare Night . Despite wanting to win over the citizens of Ponyville , the townspeople are frightened of her booming voice and assertive manner . Twilight Sparkle tells Spike that Luna must be having trouble adjusting after being gone for a thousand years . When Luna tries to express her happiness with being purged of her dark powers , Twilight tells her that she sounds like she ' s yelling , and Luna explains that she ' s using the " traditional Canterlot voice , " the royal we , and high volume in order to properly address her subjects . She uses archaic terms like " hath , " " thy , " " nay , " and " thou , " as well as other constructs . Luna having fun with the villagers . Twilight encourages Luna to lower the volume of her voice , but Luna is hesitant . Twilight Sparkle recruits Fluttershy ' s help in teaching Luna to speak in a softer voice , and later takes her to Ponyville so Applejack can show her how to be likable . For a short while , Luna manages to mingle with the villagers of Ponyville and have fun with them , by playing games where she throws toy spiders or pumpkins onto a target . In Sleepless in Ponyville she seems to show less of her former decorum , dispensing with the royal we , and speaking in a far less harsh manner . Temper Saving Pipsqueak Princess Luna reverts to her intimidating self after Pinkie Pie accuses her of eating Pipsqueak , while she was actually saving him from drowning in the apple bob . She attempts to endear herself to the villagers by turning toy spiders into real spiders , trying to elicit " fun " by making them crawl on their own to the bulls - eye , but the spiders only frighten everyone . The villagers panic and flee , and after a few seconds of indecision , Luna stops the commotion by shouting " Be still ! " in her royal Canterlot voice , to the accompaniment of a crack of thunder . She then decrees in anger that since the ponies dishonor and insult her with the celebration , Nightmare Night is canceled forever . Playfulness Luna scaring ponies for fun . Thanks to Pinkie Pie ' s insight , Twilight Sparkle realizes that because of the holiday , Pinkie Pie and her entourage actually want to be frightened , so she arranges for Luna to purposefully scare them . Luna appears as Nightmare Moon , scares the ponies , and bares fangs . After the ponies run away in fright , she changes back to her usual appearance and spits out the false fangs she was wearing , confused as to why Twilight wanted her to do that . Then Pipsqueak approaches Luna on behalf of the children and asks her The princess manages to relinquish the use of her royal Canterlot voice , and in the epilogue she plays a variety of games with the villagers , accepts the foals ' candy , and frightens Rainbow Dash by firing a bolt of lightning behind her , a trick that Rainbow Dash had been playing on other ponies over the course of the night . Kindness and wisdom Princess Luna giving advice to Scootaloo . In the episode Sleepless in Ponyville , she displays kindness and offers wise advice to Scootaloo when she tells her to face her fears . At the end of the episode she gives Scootaloo a wink and a smile , as she knows that Scootaloo has faced her fears and she also knows that she has Rainbow Dash to help her overcome them . For Whom the Sweetie Belle Toils , Luna once again appears in a nightmare ; this time , in Sweetie Belle ' s nightmare . She gives advice to Sweetie Belle and tells her that she as well has a sister that often " shines more brightly " than her and that she struggles with it . She then takes Sweetie Belle into the past at her fifth birthday party and shows her that Rarity did not want to take over the party , just simply save it . Later , Luna tells Sweetie to go inside a door of what the future might hold if she does not fix her sabotage of the headpiece Rarity had designed for Sapphire Shores Magic Raising the moon Raising the moon . As mentioned above , Luna ' s chief duty is raising the moon at night when Celestia lowers the sun . Following her banishment to the moon , Luna resumes this responsibility , as shown in In the episode Hearth ' s Warming Eve , Spike narrates that this magic is not exclusive to Luna and Celestia and that it could be performed by the unicorns of old collectively . In Twilight ' s Kingdom - Part 2 , Luna temporarily transfers her ability to control the moon , along with all of her magic , to Twilight Sparkle . Transformation On multiple occasions , Nightmare Moon turns her entire form into mist . She appears in this manner in ' s pavilion where the Summer Sun Celebration is being held , and she follows the Mane Six on their journey for the Elements this way . While in this form , Nightmare Moon manipulates creatures and environments ; she transforms into a thorn to hurt a manticore , prompting it to attack the Mane Six , and she transforms into the Shadowbolts at one point . , Luna transforms into her Nightmare Moon form with a set of false fangs to playfully frighten some foals on Nightmare Night . In the same episode , she transforms toy spiders into living spiders . Weather manipulation " Nightmare Night is canceled . . . .FOREVER ! ! ! ! ! " Nightmare Moon uses lightning to repel the royal guards in and thickens the mist over the fallen bridge later in the episode to prevent Rainbow Dash from hearing Twilight Sparkle calling out to her . , Princess Luna makes clouds swirl above her in the sky when she decrees that Nightmare Night is canceled , and she produces lightning from a cloud to playfully frighten Rainbow Dash . Dream duty , Luna appears in Scootaloo ' s dreams , stating that as the princess of the night , it is " [ her ] duty to come into [ ponies ' ] dreams , " and offers Scootaloo guidance in facing her fears . Luna ' s face on the moon in Scootaloo ' s nightmare . Luna makes a similar appearance in Sweetie Belle ' s dreams in For Whom the Sweetie Belle Toils and shows Sweetie Belle visions of her past , the present , and Rarity ' s future . Bloom & Gloom , Luna visits Apple Bloom ' s nightmare to comfort her cutie mark anxieties , and also brings Sweetie and Scootaloo into the dream . Do Princesses Dream of Magic Sheep ? , Princess Luna hunts down the Tantabus , a nightmare creature she created that haunts the Mane Six ' s dreams . She jumps from dream to dream and also creates a dream that everyone in Ponyville shares . Royal guards Princess Luna ' s look quite different from Princess Celestia ' s guards . They wear black and purple armor reminiscent of Nightmare Moon ' s armor . And most significantly , they have purple dragon or bat - like wings instead of the standard feathered Pegasus wings . They are grey - brown and have yellow eyes with pupils in the form of slits . Their ears appear to be furrier than normal . The carriage they pull is aggressive and Gothic , with streamlined shapes evoking bat or dragon - wings as well as arrow - like or spear - like accents Depiction in Equestria Girls My Little Pony Equestria Girls Luna in Equestria Girls . My Little Pony Equestria Girls , Luna appears at a princess summit in the Crystal Empire . When Sunset Shimmer steals Twilight ' s crown , Luna explains the purpose of the magic mirror she escaped through . She tells Twilight that she only has three days before she ' ll be stuck in the alternate world for thirty moons , and that she must get back before the third moon reaches its peak . In this alternate world , Luna ' s human counterpart is a high school vice principal . Equestria Girls : Forgotten Friendship Forgotten Friendship , Luna has a brief speaking role , where she eloquently states on the direness of the situation in the human world , which Sunset Shimmer briefly snickers at since she is so used to the strictness of Luna ' s human counterpart Equestria Girls : Rollercoaster of Friendship Rollercoaster of Friendship Pinkie Pie briefly considers going to an attraction at the Equestria Land theme park named " Nightmare Moon ' s Haunted Castle . " Depiction in My Little Pony The Movie My Little Pony The Movie , Luna appears with the other princesses at the Friendship Festival when Twilight asks them to use their magic for the festival ' s main event . When the Storm King ' s forces invade Canterlot , Luna tries to fly south to get help from the Hippogriffs , but Tempest Shadow turns her , Celestia , and Cadance to obsidian statues . Her magic is later drained by the Storm King ' s Staff of Sacanas . She is turned back to normal at the end of the film after the Storm King ' s defeat . Depiction in comics One of the variant covers featuring Luna Princess Luna appeared in one of the standard variant covers of the first issue , despite the fact that she makes no appearance in the story proper . In the series ' second four - part story arc , Nightmare Moon is shown to be a completely separate entity from Princess Luna . It is revealed that Nightmare Moon is a creature of darkness born on the moon whose very presence corrupts the denizens of the moon . Through her power over nightmares , Nightmare Moon was able to feed off Luna ' s insecurities of living in her sister ' s shadow , thus allowing her to take over Luna ' s mind , which ultimately lead to her being banished to the moon for a thousand Just as she did with Luna , she begins invading the Element bearers ' dreams until she is able to find a suitable candidate in Rarity , whom she abducts and takes to the moon . Princess Luna joins the other five Element bearers and Spike on a mission to retrieve Rarity before Nightmare Moon takes her over completely . However , Nightmare Moon ' s return seems to have weakened Luna as she is once again reverted to her " depowered " form ( as seen at the end of ) . Upon arriving to the moon , they find that they are too late . Nightmare Moon has already taken over Rarity , and Luna is powerless to stop her in her weakened state . She is forced to retreat back to Equestria , leaving Spike and the remaining Element bearers behind . Back in Equestria , Luna helps Celestia and the residents of Ponyville defend themselves against the invasion Nightmare Moon and her minions . Initially , Luna ' s magic proves to be just as ineffective as before , but through the love and support shown from her subjects she is able to regain her proper form and , with the help of the power of the other Element bearers ' friendship , is able to best Nightmare Moon , save Rarity , and restore the denizens of the moon back to their original forms . Luna kisses Big Mac on the Ferris wheel . Princess Luna appears on page 7 of My Little Pony Micro - Series Issue # 3 in Rarity ' s dream along with part of Hush Now Lullaby . She appears again in Issue # 9 , participating in several Summer Wrap - Up Festival games with ( an unwilling ) Big McIntosh . In Issue # 10 , towards the end of the festival , she is shown kissing Big Mac on the cheek as they ride the Ferris wheel . In The Fall of Sunset Shimmer , a book titled Secrets of Nightmare Moon appears on page 5 , and a portrait of Nightmare Moon appears on page 6 . Of Issue # 12 , Luna appears in PTV and is featured on a comic book in 1 million cover A Reflections , Luna learns that Celestia has long been visiting another Equestria where she has befriended Luna ' s counterpart . The alternate Luna demonstrated Luna ' s good nature as Luna herself declined , and remained good during the time in which Luna was Nightmare Moon . Upon Luna ' s being redeemed , the alternate Luna became evil herself and joined the alternate Celestia in terrorizing their world . The alternate Luna is later returned to her former self after the alternate King Sombra uses the Elements of Harmony on her and Celestia . The evil version of this Luna appears in Issue # 68 My Little Pony Micro - Series Issue # 10 Luna thinks Celestia ' s job is much easier and takes over Celestia ' s work for a day . Luna realizes that her sister does do a lot of work and decides to go back to working solely during the night . Part of her nightly duties appears to be hunting and defeating monstrous beasts . In the issue , Luna also gets a pet opossum , which she names Tiberius . My Little Pony : FIENDship is Magic Issue # 4 " explores the secret origins of " Nightmare Moon , where she takes over the Nyx in order to plague the dreams of Equestria ' s ponies . Siege of the Crystal Empire , Luna and Celestia travel to the Crystal Empire and engage the revived King Sombra and Queen Chrysalis in battle . Unfortunately , Sombra ' s childhood friend Radiant Hope intervenes , allowing Sombra to turn Luna and Celestia to stone . By the end of the story , they are returned to normal , and they use their magic to turn Sombra into a normal unicorn . In Ponies of Dark Water , Luna helps Spike , Zecora , and the Cutie Mark Crusaders save Ponyville after the Mane Six are exposed to a hot spring ' s dark magic . However , she becomes Nightmare Moon once again after she , too , is exposed to the spring water . She is eventually turned back to normal when Rainbow Dash rains the cure for the spring water over Ponyville . Cosmos , Luna is seen in flashback with various other rulers and Discord banishing Cosmos to the Andalusian constellation . She , Celestia , and Twilight are later possessed by Cosmos using three of the Andalusian stars . My Little Pony : Legends of Magic Issue # 1 , Luna appears in flashback , where she was often subject to Celestia ' s ridicule when they were younger because she could n ' t learn magic as quickly as Celestia . In an incident in which Luna opens a portal to another world , Luna encounters a race of evil creatures that offer to help her embrace the darkness and become powerful enough to destroy Celestia . Luna resists the creatures ' temptations , however , and she reconciles with Celestia over their previous differences . In My Little Pony : Legends of Magic Issue # 2 Sunburst reads to her an untold story about Rockhoof . In the Legends of Magic Annual 2018 comic , she and Celestia are captured by the minions of an alternate universe ' s Pony of Shadows , who seeks to corrupt them into becoming Nightmare Moon and Daybreaker My Little Pony : Friends Forever Issue # 38 , Luna tries to participate with Celestia in the Sisterhooves Social . However , a rush to finish their royal duties , lack of sleep , and the influence of magically enchanted berries contribute to them becoming very competitive and testy with each other . With help from Rarity and Sweetie Belle , the two sisters resolve their differences . Luna appears in My Little Pony : Nightmare Knights as the leader of a team of former villains . Other depictions A promotional image depicting Princess Luna and Apple Bloom — both depicted using fanart — with cutie marks all around them was posted by the official European Spanish My Little Pony Facebook page on March 20 , 2015 , captioned , " Hoy se celebra el # DíaDelSueño y el # DíaDeLaFelicidad . Se lo podríamos dedicar a la Princesa Luna por darnos a todos sueños felices , ¿ verdad ? " A promotional image posted by the same Facebook page on the 28th of the same month of the same year uses different fanart of Princess Luna . Storybooks Princess Luna appears in the Friendship is Magic storybook adaptation of the episodes , which is included in the Friendship is Magic Gift Set and Pony Friends Forever Pony Scooter Friends Daisy Dreams & Rarity bundles . Here , she is called by her early names " Princess Selena " and " Night Mare , " and she does not physically appear in the Castle of the Two Sisters Princess Luna serves as the main focus of the chapter book Princess Luna and the Festival of the Winter Moon , and she appears in Princess Celestia and the Summer of Royal Waves Discord and the Ponyville Players Dramarama Ponyville Mysteries : Peryton Panic Baby Flurry Heart ' s Heartfelt Scrapbook Princess Luna appears in All About Alicorns , in Saving the Crystal Empire , in Nightmare Night , depicted on a flag in Hearth ' s Warming Eve , and in The Crystalling Fundamentals of Magic Princess Luna appears in episode 5 of Fundamentals of Magic , " When Magic Goes Wrong " . Software My Little Pony ( mobile game ) Princess Luna and Nightmare Moon are characters in Gameloft ' s mobile game . The game ' s description of Princess Luna states , " Formerly Nightmare Moon , Princess Luna is the younger sister of Princess Celestia . Ruling over the moon and the stars , Luna helps Celestia oversee Equestria . " Nightmare Moon ' s in - game description states , " Is this Luna dressed as her previous guise ? . . . Or does Nightmare Moon ' s evil still blot out the skies ? " The Elements of Harmony guidebook Princess Celestia ' s younger sister , PRINCESS LUNA , has a history of difficulty living in her older sister ' s shadow . So difficult , in fact , her jealousy turned her into the villain Nightmare Moon ! Fortunately , Luna was reformed and her heart softened by the ancient and powerful Elements of Harmony . Luna and Celestia have forgiven each other and are loving sisters once again , but Luna has trouble adjusting to modern Equestrian life after her thousand - year - long banishment in the moon . Still speaking with ancient formality and finding it hard to move beyond her once fearsome image NIGHTMARE MOON is the malevolent alter ego of Princess Luna . In the dark form of Nightmare Moon , Luna is consumed with spite and enjoys manipulating unwilling ponies to do her bidding . Imprisoned in the moon , Nightmare Moon became even more dangerous when she escaped . Volume II guidebook As the Equestrian sun lowers , the shining moon rises courtesy of PRINCESS LUNA , Princess Celestia ' s younger sister . The royal siblings have faced numerous hardships throughout history , with their bond growing stronger over time . Luna faced her greatest challenge during her transformation into the devious Nightmare Moon . With the help of Twilight Sparkle and the Elements of Harmony , Princess Luna was restored to her former self and hopes to stay that way . Luna prefers order and restraint , though her temper has been known to flare . She ' s grateful The Journal of the Two Sisters The Journal of the Two Sisters , Luna at first writes her journal entry in the royal Canterlot voice , but then decides against it . She reveals that she and Celestia used to speak that way when they were younger and pretended they were princesses . It is also revealed that even when they got their crowns , the sisters were still blank flanks , due to Alicorns aging differently from other ponies . When Luna speaks to a Manticore named Melvin , it is revealed that she is able to understand the language of certain animals , like Fluttershy does . Luna befriends cragadiles , bats , and owls , who help with the construction of the , and the zebras , whose rhyming way of talking plays into her and Celestia negotiating a new peace treaty with Gregor and the griffons . Luna also becomes very good friends with Princess Platinum after she apologizes and even promises to teach her how to do the royal Canterlot voice . Luna bears witness to one of the few times Celestia is pushed to the point of using her own royal Canterlot voice to subdue a creature that has severely disrespected and angered her when retrieving the Crystal Heart for unicorn Princess Amore , then - ruler of the Crystal Empire . When a dragon claims the Crystal Heart as his property since it was mined from his keep , Celestia lashes out in righteous fury at him , scaring him into returning the Heart and flee to his keep , never to be heard from again . When Star Swirl the Bearded reveals his unicorn magic has been exhausted attempting to lower the moon alone without the assistance of several other full - grown unicorns , he asks Luna and Celestia to do it as their Alicorn magic is more powerful , and doing so could actually revitalize them . The princesses lower the moon and raise the sun flawlessly , and they earn their cutie marks at long last . They are also able to restore Star Swirl ' s magic and that of the other unicorns . HubNetwork . com description Princess Luna raises the moon at night and rules Equestria with her big sister , Princess Celestia , who ' s also an Alicorn . Luna was banished as Night Mare Moon for a thousand years , but with help from Twilight Sparkle and friends , she ' s back . Her formal speech may still frighten ponies , but she ' s beloved by everypony and celebrated on Night Mare Night [ sic ] . On occasion , she appears in ponies ' dreams . Appearances See also : Character appearances Legend Y At least one appearance where the character is the focus of a shot S At least one appearance where the character is the focus of a shot , without spoken dialogue or narration B Background appearance or an appearance where the character is not the focus M No appearance , but a mention by name or title N No appearance and no mention by name or title Season one 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 Y N N Season two 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 B M Y Season three S S Season four Y Season five Season six Season seven Season eight Season nine Merchandise The following were part of the Target Canterlot toyline : Fashion Style Princess Luna was bundled with Celestia . A Playful Ponies sized Luna was bundled with a molded Celestia . A Shine Bright light - up Luna was bundled with the Canterlot Castle set . Other merchandise include : A Nightmare Moon figure which was released in the Toys ' R ' Us exclusive Friendship Is Magic Favorite Collection , in Fall 2012 . Princess Luna being part of the Wave 5 mystery pack toys . A newer Playful Ponies Princess Luna being released along with Rarity and accessories and it featured a newer model as a part of the Crystal Empire toyline . A large talking Nightmare Moon was shown at the Toy Fair 2013 . A Design - A - Pony Princess Luna figure . A Build - A - Bear Princess Luna plush with coronation outfit was released on March 20 , 2015 . On at least specify the DVD Season One Disc 1 , closed captions for the episode sometimes display " Mayor in the Moon " in place of " Mare in the Moon " . Quotes Remember this day , little ponies , for it was your last . From this moment forth , the night will last forever ! ( as Nightmare Moon ) You ' re kidding . You ' re kidding , right ? ( as Nightmare Moon ) I ' m so sorry ! I missed you so much , big sister ! — Friendship is Magic , part 2 Citizens of Ponyville ! We have graced your tiny village with our presence so that you might behold the real princess of the night ! A creature of nightmares no longer , but instead a pony who desires your love and admiration ! Together we shall change this dreadful celebration into a bright and glorious feast ! [ booming voice ] Change our approach ? — Luna Eclipsed Fun ? What is this ' fun ' thou speakest of ? Pray tell , what purpose do these serve ? — Luna Eclipsed Ha ha ! The fun has been doubled ! " ' Tis a lie ! Thy backside is whole and ungobbled , thou ungrateful whelp ! Huzzah ! How many points do I receive ? Citizens of Ponyville , you have been wise to bring this candy to me ! I am pleased with your offering ! So pleased , I may eat it instead of eating you ! — Pretending to be Nightmare Moon , from Luna Eclipsed Child . Art thou saying that thou . . . likest me to scare you ? OH , MOST WONDERFUL OF . . . ! I mean . . . Oh , most wonderful of nights . Rest , my sister . As always , I will guard the night . A Canterlot Wedding - Part 1 Who goes there ? Stay indoors , Twilight Sparkle . — A Canterlot Wedding - Part 1 Hello , everypony ! Did I miss anything ? A Canterlot Wedding - Part 2 A warm welcome to you , Scootaloo . I am the princess of the night , thus it is my duty to come into your dreams . — Sleepless in Ponyville FACE YOUR FEARS ! ! ! — Sleepless in Ponyville It is time to face your real fears , Scootaloo . Not another step ! There can only be one princess in Equestria ! And that princess . . . will be me — Princess Twilight Sparkle - Part 1 Luna ? I am Nightmare Moon ! I have but one royal duty now . . . To destroy YOU ! Six locks . . . Six keys . . . — Princess Twilight Sparkle - Part 2 I understand what you ' re going through , Sweetie Belle . I , too , have a sister who often shines more brightly than me , and with this I have struggled . Sometimes we can worry about a thing so much , the fear can make us feel we ' re trapped in a nightmare . You have all suffered so much because of me . My sister has been imprisoned in the moon for years ! But it is no less a fate than she ' d sentence me to ! I see much of myself in you , Starlight Glimmer , and I can tell you from personal experience that things do indeed get better . To Where and Back Again - Part 1 This " faculty lot " you speak of sounds like a place of great power . Equestria Girls : Forgotten Friendship So , to be funny I have to torment those who oppose me and laugh in their faces ? Friends Forever Issue # 7 page 12 Soy la princesa Luna , y gobierno Equestria junto con mi hermana mayor Celestia , ahora que he vencido a mi lado malo , Luna de Pesadilla , ¡ qué mal lo hemos pasado ! Estuve 1000 años en la luna , pero ahora he regresado y me encargo de hacer anochecer . Me encanta hacer que los sueños de todos los ponis sean preciosos . — Promotional image Gallery Princess Luna image gallery See also Vice Principal Luna on the Collectible Card Game Wiki on the Fan Wiki My Little Pony Gameloft Wiki Gameloft Wiki This article ' s speculation page Notes ↑ 1.0 1.1 Cutie mark listed as " Night Sky with Moon and Stars " in Mini Pony Collector ' s Guide page 90 ; background also indicated as part of cutie mark on her mystery pack collector card trading card series 2 & 3 , i n Discovery Family ( previously the Hub Network ) ' s Equestrivia Challenge Issue # 12 1 million cover A , and in S7E10 ↑ Background indicated as part of cutie mark in trading card series 1 & 3 . ↑ Nightmare Moon is the name of the form initially taken by the bitter Princess Luna when transformed by the Nightmare Forces , as explained in the episode and the Issue # 5 and shown in the episode . After this curse is broken by the , Luna can still magically take the form of Nightmare Moon , as implied in and described on the packaging of the Midnight in Canterlot Pony Collection . Additionally , untransformed Luna is occasionally referred to as Nightmare Moon by other characters . References ↑ 1.0 1.1 1.2 1.3 Pre - order : The Haunting of Equestria . River Horse . Retrieved on 2018 November 1 . 2.0 2.1 2.2 2.3 Announcing ' The Haunting of Equestria ' , . . . . Facebook ( 2018 - 10 - 31 ) . Retrieved on 2018 November 1 . @ MaggieVera_ quien hará la vos de la princesa LUNA ? ? ? ? ? ( 2014 - 03 - 31 ) . Retrieved on 2014 March 31 . Toy packaging featuring the " Nightmare Moon " spelling . Retrieved on 2012 June 22 . 5.0 5.1 Lauren Faust discussing the age of Princess Luna on DeviantArt Archived locally Lauren Faust ( 2010 - 10 - 24 ) . Comment on my little pony premeire - - watch it now ! by fyre - flye . DeviantArt . Retrieved on 2015 January 28 . Lauren Faust via Twitter ( 2013 - 03 - 15 ) . Retrieved on 2013 March 15 . Lauren Faust on Princess Luna ' s new look Archived locally Lauren Faust about Rarity being cut from the episode . Retrieved on 2011 October 22 . Layout artist discussing pink Luna ' s cut scene ( 2011 - 11 - 03 ) . Retrieved on 2011 November 9 . Lauren Faust explaining Nightmare Moon ' s thousand - year banishment ( 2011 - 11 - 16 ) . Retrieved on 2011 November 17 . Princess Luna ( Season 2 ) . DeviantArt ( 2012 - 08 - 18 ) . Retrieved on 2015 March 23 . Apple Bloom Just Wants a Hug . DeviantArt ( 2012 - 08 - 19 ) . Retrieved on 2015 March 23 . My Little Pony - Timeline Photos . Facebook ( 2015 - 03 - 20 ) . Retrieved on 2015 March 23 . . DeviantArt ( 2012 - 03 - 26 ) . Retrieved on 2015 March 31 . My Little Pony - Timeline Photos . Facebook ( 2015 - 03 - 28 ) . Retrieved on 2015 March 31 . Friendship is Magic storybook scans . Retrieved on 2015 January 28 . My Little Pony Facebook page : " Here ’ s your first look at some magical new pony friends " My Little Pony Design - A - Pony Princess Luna Figure My Little Pony ( 2015 - 01 - 20 ) . Timeline Photos . Facebook . Retrieved on 2015 January 24 . v d e Characters Leading characters Spike Applejack Fluttershy Supporting characters Cutie Mark Crusaders Babs Seed Gabby Royalty Princess Platinum Shining Armor Prince Blueblood Princess Amore Prince Rutherford Flurry Heart Ember Princess Skystar Queen Novo The Apple family Big McIntosh Granny Smith Braeburn Aunt and Uncle Orange Hayseed Turnip Truck Apple Strudel Auntie Applesauce Apple Rose Goldie Delicious Bright Mac The Sparkle family Twilight Velvet and Night Light The Pie family Limestone Pie and Marble Pie Igneous Rock Pie and Cloudy Quartz Maud Pie The Shy family Mr . and Mrs . Shy Zephyr Breeze The Cake family Mr . and Mrs . Cake Pound Cake and Pumpkin Cake The Rich family Diamond Tiara Filthy Rich Spoiled Rich The Pear family Pear Butter Grand Pear School - age ponies Silver Spoon Twist Snips Snails Sunny Daze and Peachy Pie Featherweight Rumble Filly Guides Zipporwhill Tender Taps Toola Roola and Coconut Cream Celebrities Hoity Toity Photo Finish Sapphire Shores Fancy Pants Jade Singer Daring Do Prim Hemline Trenderhoof Coloratura Zesty Gourmand Songbird Serenade Antagonists Shadowbolts Parasprites Boy Bullies Diamond Dogs Windigos Timberwolves Flim and Flam Ahuizotl Garble Queen Chrysalis King Sombra Big Boy and Runt Sunflower Plunderseeds Dr . Caballeron henchponies ) • Mane - iac henchponies ) • Suri Polomare Lord Tirek The Dazzlings Adagio Dazzle Sonata Dusk Aria Blaze North Star King Longhorn Principal Cinch Wind Rider Svengallop Gladmane The Storm King Cozy Glow Sludge Grogar Reformed Gilda Trixie Discord Changelings Larry Snips and Snails Buck Withers Juniper Montage Stygian Tempest Shadow Grubber Wallflower Blush Chancellor Neighsay Vignette Valencia Wonderbolts Spitfire Soarin Blaze Surprise Fire Streak Misty Fly Silver Zoom Fleetfoot High Winds Thunderlane Physicians Nurse Redheart Dr . Horse Dr . Fauna Doctor Horse Nurse ponies Pillars of Old Equestria Rockhoof Mistmane Flash Magnus Somnambula Mage Meadowbrook Young Six Sandbar Gallus Smolder Yona Ocellus Silverstream Other pony characters 8 - bit All Aboard Angel Wings Autumn Blaze Blossomforth Bow Hothoof Bulk Biceps Chancellor Puddinghead Charity Sweetmint Cheerilee Cheese Sandwich Cherry Jubilee Claude Clear Skies Cloud Chaser Clover the Clever Coco Pommel Commander Hurricane Cookie Crumbles Coriander Cumin Davenport Double Diamond Fawn Doo Feather Bangs Firelight Flash Sentry Flax Seed Fleur de Lis Flitter Fluffy Clouds Gaffer Gallant True Gizmo Golden Gavel The Headless Horse Hondo Flanks Hoofbeard Hooffield and McColt families Inkwell Inky Rose Jack Pot Jet Set Joe Junebug Lightning Dust Lily Lace Marcie Pan Mare Do Well Mayor Mare Method Mares Moon Dancer Mr . Breezy Mr . Paleo Mr . Stripes Mrs . Paleo Ms . Harshwhinny Ms . Peachbottom Mudbriar Night Glider Open Skies Party Favor Petunia Paleo Plaid Stripes Pony Pickers The Pony Tones Ponyacci Power Ponies Private Pansy Quibble Pants Radiant Hope Randolph Roma Royal guards Saffron Masala Sassy Saddles Sheriff Silverstar Silver Frames Silver Shill Sky Stinger Smart Cookie Spa ponies Spearhead Starstreak Steamer Stellar Eclipse Stellar Flare Sugar Belle Sunburst Sunshower Sunspot Swan Song Teddie Safari Tree Hugger Trouble Shoes Upper Crust Vapor Trail Wheat Grass Windy Whistles Non - pony characters Steven Magnet Zecora Little Strongheart Chief Thunderhooves Cranky Doodle Donkey Matilda Iron Will Gustave le Grand Mulia Mild Seabreeze Scorpan The Smooze Grampa Gruff Greta Thorax Pharynx Capper Captain Celaeno Terramar Tree of Harmony Sky Beak Ocean Flow Equestria Girls characters Humans The Rainbooms DJ Pon - 3 Sandalwood Micro Chips Diamond Tiara and Silver Spoon Flash Sentry Miss Cheerilee Photo Finish Cutie Mark Crusaders Principal Celestia Trixie and the Illusions Lyra Heartstrings and Sweetie Drops Bulk Biceps Maud Pie Pony Pickers Violet Blurr and Pixel Pizzaz Twilight Sparkle ( Sci - Twi ) Sunny Flare Sour Sweet Indigo Zap Sugarcoat Lemon Zest Gloriosa Daisy Timber Spruce Canter Zoom Chestnut Magnifico Animal companions Constance Angel Winona Opalescence Gummy Philomena Owlowiscious Harry Tank Peewee Spike Smoky ' s family Background characters Earth ponies Ace Point Amira Apple Brown Betty Apple Bumpkin Apple Cider Apple Cinnamon Apple Cobbler Apple Dumpling Apple Fritter Apple Honey Apple Leaves Apple Munchies Apple Split Barber Groomsby Beauty Brass Berry Dreams Berryshine Bill Neigh Blueberry Curls Bumblesweet Bushel Business Savvy Candy Apples Candy Mane Caramel Caramel Apple Cathy O ' Mara Charged Up Chelsea Porcelain Cherry Berry Cherry Fizzy Cherry Gold Count Caesar Crusoe Palm Daisy Dance Fever Dane Tee Dove Dr . Hooves Eclair Crème Eiffel Emerald Green Felix Fetter Keys Fiddly Twang Florina Tart Gala Appleby Globe Trotter Golden Delicious Golden Harvest Goldengrape Green Jewel Haakim Half Baked Apple Hughbert Jellius Jeff Letrotski Joan Pommelway Jonagold Lady Gaval Lavender Bloom Lavender Fritter Leadwing Lilac Links Lily Valley Long Shot Luckette Lucky Clover Lucky Star Lyrica Lilac MandoPony Masquerade Meadow Song Minty Mjölna Mr . Greenhooves Mr . Waddle Neighl Page Noteworthy Octavia Melody Parcel Post Parish Nandermane Peachy Sweet Pearly Stitch Pegasus Olsen Perfect Pace Perfect Pie Purple Wave Pursey Pink Raven Inkwell Real Article Red Delicious Red Gala Rivet Roger Silvermane Rose Royal Riff Ruby Splash Sand Trap Savoir Fare Screwball Screwy Sealed Scroll September Serena Shoeshine Shooting Star Silver Berry Sir Pony Moore Snappy Scoop Spring Forward Star Gazer Star Spur Strawberry Ice Sweetie Drops Tall Order Tealove Theodore Donald " Donny " Kerabatsos Twilight Sky Vidala Swoon Walter Wensley Wisp Pegasi Big Shot Buddy Celena Cloud Kicker Compass Star Crafty Crate Derpy Diamond Rose Drizzle Eff Stop Fast Clip Foggy Fleece Helia Honey Rays Jack Hammer Jetstream Lilac Sky Lily Blossom Mane Moon Meadow Flower Merry May Orange Swirl Parasol Pizzelle Prim Posy Rainbow Blaze Rainbow Swoop Rainbowshine Sassaflash Serenity Silver Script Silverspeed Spring Step Sprinkle Medley Star Hunter Starburst Starry Eyes Stormfeather Strawberry Sunrise Sugar Grape Sunny Rays Sunshower Raindrops Surprise Thorn Tracy Flash Warm Front Whiplash White Lightning Whitewash Wild Fire Unicorns Amethyst Star Apple Stars Banana Fluff Bittersweet Blue Moon Burning Heart Cayenne Charm Cherry Spices Citrus Blush Comet Tail Dark Moon Diamond Mint Electric Sky Fine Line Firecracker Burst Four Step Holly Dash Juno Lemon Hearts Lemony Gem Love Melody Lyra Heartstrings Magnet Bolt Minuette Moonlight Raven Neon Lights North Point Peachy Pitt Pinny Lane Ponet Press Release Rainbow Stars Rare Find Royal Pin Royal Ribbon Sea Swirl Silver Spanner Star Bright Sunshine Petals Sunshine Smiles Sweetcream Scoops Top Marks Twinkleshine Whoa Nelly Written Script Crystal Ponies Amethyst Maresbury Autumn Gem Bright Smile Crystal Beau Elbow Grease Fleur De Verre Ivory Rook Night Knight Rubinstein Sapphire Joy Foals Apple Flora Aura Bolt Button Mash Candy Caramel Tooth Cotton Cloudy Dinky Doo Finish Line Hairpin Turn Liza Doolots Mango Dash Natural Satellite Noi Piña Colada Princess Erroria Rainy Feather Ruby Pinch Saturnalia Shady Daze Strike Sweet Pop Tornado Bolt Truffle Non - pony characters Giselle Equestria Girls characters Derpy Octavia Melody Categories Alicorn ponies Female characters Supporting characters Reformed antagonists Featured articles Languages : Deutsch Español Galego Bahasa Indonesia Italiano 日本語 한국어 Nederlands Polski Português Русский Svenska	[ "Princess Luna", "Nightmare Moon", "Alicorn pony" ]
http://mlp.wikia.com/wiki/Shining_Armor	in : Equestria Girls characters Unicorn ponies Male characters and 8 more Shining Armor English Edit Comments ( 1k ) Share The above video is added by FANDOM ' s Staff , not members of the MLP FiM Wiki . Please take notice that the above video may contain inaccuracies , fan labor , or out - of - date information regarding the article ' s subject matter . Shining Armor ( Prince Shining Armor ) Shining Armor in The One Where Pinkie Pie Knows Young Shining Armor in Twilight ' s flashback in the episode A Canterlot Wedding - Part 1 Shining Armor as a unicorn Crystal Pony in The Crystal Empire - Part 2 Shining Armor without his cutie mark in Twilight ' s Kingdom - Part 2 Shining Armor turned to stone in My Little Pony : Friendship is Magic Issue # 37 An alternate universe ' s Shining Armor in Friendship is Magic Issue # 19 Shining Armor ' s human counterpart in My Little Pony Equestria Girls : Friendship Games Kind Unicorn Human EG Sex Male Residence Crystal Empire Canterlot ( formerly ) Occupation Co - ruler of the Crystal Empire Captain of the Canterlot Royal Guard Student at Canterlot Academy ( formerly ) Other links Shining Armor image gallery More info Eyes Moderate cerulean Mane Moderate sapphire blue with moderate cerulean and dark phthalo blue streaks Coat Light gray Hooves Moderate sapphire blue Magic aura Light rose Light cerulean Friends Forever Issue 4 Nicknames Shiny , Shiny - Winey , B.B.B.F.F. , Sh ( The Periodic Table of My Little Pony Relatives Night Light ( father ) Twilight Velvet ( mother ) Twilight Sparkle ( younger sister ) Princess Cadance ( wife ) Princess Celestia ( aunt - in - law ) Princess Luna ( aunt - in - law ) Unnamed uncle Flurry Heart ( daughter ) Cutie mark Voice Andrew Francis English Philippe Allard ( European French Nico Sablik ( German Tamás Markovics ( Hungarian , season 2 Károly Moser ( Hungarian , season 3 Patrizio Prata ( Italian Gabriele Marchingiglio ( Italian EG3 Mamoru Miyano Japanese Pyo Yeong - jae ( Korean Michał Podsiadło ( Polish Wendel Bezerra ( Brazilian Portuguese Richard Ballint ( Romanian , seasons 2 and 3 Andrei Lupu ( Romanian , season 4 Evgeniy Waltz ( Russian , seasons 2 - 4 and Friendship Games Oleg Virozub ( Russian , seasons 5 - 6 and Best Gift Ever Prokhor Chekhovskoy ( Russian , season 7 Marc Zanni ( European Spanish José Antonio Marcías Latin American Spanish Niklas Gabrielsson ( Swedish Yaroslav Chornenkyi ( Ukrainian , seasons 2 - 4 , except S3E12 and S3E13 Dmytro Zavadskyi ( Ukrainian , in S3E12 and S3E13 only Oleksandr Pohrebnyak ( Ukrainian , seasons 5 - 6 Pavlo Skorohodko ( Ukrainian , Friendship Games and Best Gift Ever Shining Armor is a male unicorn pony Twilight Velvet and Night Light ' s son , Twilight Sparkle ' s older brother , Princess Cadance ' s husband , and Flurry Heart ' s father . He is the captain of the Canterlot Royal Guard , serving under Princess Celestia Princess Luna , and bears the title of prince as a result of his marriage to Cadance . He first appears in the two - part season two finale alongside Cadance . In the season three premiere , he and Cadance are appointed as the rulers of the Crystal Empire Contents show Development and design Lauren Faust was involved with the inception of the story where Shining Armor first appears . Faust came up with several aspects of Shining Armor ' s character , such as his name , powers , and being ' s brother . Shining Armor shares his pony and human designs respectively with Steel Masquerade and with " Coach Rommel " . Depiction in the series Season two Shining Armor , Captain of the Royal Guard . Shining Armor first appears in A Canterlot Wedding - Part 1 invites , his younger sister , to the wedding of Shining Armor and Princess Mi Amore Cadenza . Twilight is upset that Shining Armor did not write to her directly , and does n ' t recognize who his bride is . In the song B.B.B.F.F . ( " Big Brother Best Friend Forever " ) , Twilight remembers how she was very close to Shining Armor until she moved to Ponyville and lost touch with him . Twilight fears that they will become even more distant after he marries someone and starts a new family . Shining Armor later tells Twilight he was unable to tell her of his engagement in person due to a threat on the safety of ; he adds that Princess Mi Amore Cadenza is Cadance , Twilight ' s former foal - sitter . At the request of Princess Celestia , Shining Armor used his magic to create a protective barrier around Canterlot and keep it there constantly . Twilight states that only Shining Armor can conjure up the shield . Chrysalis healing his migraines to increase his love for her . Twilight tries to tell Shining Armor that something is wrong , but Queen Chrysalis , having taken the place of and impersonating Cadance , interrupts and takes Shining Armor into another room . Twilight , peeking through the door , sees the fake Cadance casting a spell on Shining Armor that makes his eyes glow green . The next day , Twilight confronts the impostor Cadance at the wedding rehearsal and accuses her of evildoing in front of Shining Armor and her friends . After Cadance runs off in tears , Shining Armor contradicts Twilight ' s accusations , saying that the spell Cadance cast on him was to ease his chronic headaches from Chrysalis traps Twilight in the catacombs under Canterlot and states that she has plans for Shining Armor . Shining Armor , fully under Queen Chrysalis ' s magic , is in a trance - like state at the wedding . Twilight and the real Cadance burst into the hall , and Shining Armor is reunited with his true bride . Cadance ' s magic breaks the spell on Shining Armor , but by now the changeling army has broken through Canterlot ' s defensive shield and is invading the city . Shining Armor tries to perform a spell to repel the changelings , but he does n ' t have the power . Cadance tells Shining Armor that her love will give him strength , and their combined magic spreads outward and blasts all the changelings and their queen out of Canterlot . Shining Armor with Twilight at the wedding . With peace restored to Canterlot , another wedding is planned with the real Cadance . Shining Armor makes Twilight his Best Mare again . He jokes that Cadance only agreed to marry him after he told her she ' d be gaining Twilight as her sister . At the wedding , Princess Celestia declares that the power of Cadance and Shining Armor ' s love is undeniable , and pronounces them " mare and colt . " The couple waves to the cheering crowds from a castle balcony and kiss . After a wedding reception montage , Shining Armor thanks Twilight for her help , and leaves the reception with Cadance in a carriage . Season three Sombra ' s curse on Shining Armor . Shining Armor next appears in The Crystal Empire - Part 1 . When Princess Celestia receives word of the ' s return , she instructs a guard to inform Shining Armor as well as his wife , Princess Cadance . Upon their arriving in the Arctic North of Equestria , he greets the Mane Six at the train station before they run to the Crystal Empire in an attempt to escape the shadow form of King Sombra . As the others enter the forcefield protecting the empire , Shining Armor stays back to buy more time , but his horn becomes encrusted with Sombra ' s black crystals , impairing his unicorn magic . He reunites with Cadance in the castle and stays by her side throughout the remainder of the episode , comforting her in her weakened state as she struggles to maintain the protective forcefield around the Crystal Empire . He is shown once again when the Mane Six return from the library to tell him their plan about the Crystal Faire . After Twilight discovers that the Crystal Heart is a genuine relic , she tells Shining Armor and Cadance that the real Crystal Heart is missing . Shining Armor supporting Cadance . When Spike and the Crystal Heart fall from the top of the tower , Shining Armor throws his wife in the air , right toward them . When Cadance catches the heart and the Crystal Ponies use it to defeat King Sombra , Shining Armor ' s horn is restored . After the Crystal Empire is restored , Shining Armor jokes to Twilight that she has to stop saving him , as it has become rather embarrassing . Cadance and Shining Armor become the new rulers of the Crystal Empire . Shining Armor makes an appearance at Twilight ' s coronation in Magical Mystery Cure Shining Armor next appears in Games Ponies Play , training a group of Crystal Ponies for the Equestria Games . He briefly meets Ms . Peachbottom , whom everyone had mistaken for the Equestria Games inspector , and is shocked when she admits she is just a tourist , not to mention embarrassed when she shamelessly flirts with him . He is later present when the real inspector , Ms . Harshwhinny , announces that the Crystal Empire will be hosting the next Equestria Games . Shining Armor appears in Magical Mystery Cure . He talks to Twilight during her princess coronation and has watering eyes , which he insists are n ' t tears but " liquid pride . " Season four Shining Armor in Twilight ' s Kingdom - Part 2 In Pinkie Pride , Shining Armor makes a portrait cameo on Pinkie Pie ' s wall during his wedding reception with Cadance . Shining also appears in Equestria Games . He announces the opening of the games , and acts as commentator for the events . During the games , as Spike volunteers to sing the Cloudsdale anthem , Shining reminds Spike that they only play the anthem for the winners . After one of the ice archers accidentally shoots an arrow into a cloud causing it to become solid and sink down towards the stadium , Shining orders security to cut the unicorn disabling spell that unicorns had to use before entering the stadium . In , Shining notices the sun moving around funny as Twilight attempts to raise it . Discord suddenly teleports next to Shining , who calls him a traitor for allying himself with Lord Tirek . He tries to attack Tirek but has his magic stolen instead . At the end of the episode , his magic is returned to him after Twilight and her friends use the Rainbow Power against Tirek . Season five In Slice of Life , Shining Armor appears at Cranky Doodle Donkey Matilda ' s wedding , getting overemotional at their impending nuptials . The One Where Pinkie Pie Knows , Shining Armor and Cadance announce that they are having a baby , and they reveal this to Twilight through a scavenger hunt . Season six Shining Armor , Cadance , and Flurry Heart in The Crystalling - Part 2 In The Crystalling - Part 1 Part 2 , after Cadance gives birth to a foal , Shining Armor becomes ill - rested and stressed from his sudden role as a father . However , Twilight and her friends help him through his dilemma . He and Cadance later give the baby the name The Times They Are A Changeling , Shining Armor leads the royal guards on a search for a changeling in the Empire , harboring deep resentment toward changelings after the events of the royal wedding . When Spike approaches him and the others on the changeling Thorax ' s behalf , Shining Armor moves past his resentment and welcomes him to the Empire . To Where and Back Again - Part 1 , Shining Armor is stated to have been captured by the changelings along with Cadance and Flurry Heart . At the end of Part 2 , he is rescued along with the other captives , and he joins in celebrating the Sunset Festival in Our Town Season seven A Flurry of Emotions Celestial Advice , Shining Armor appears at Starlight Glimmer , Trixie , Thorax , and Discord ' s medal - awarding ceremony . In A Flurry of Emotions , he and Cadance ask Twilight to babysit Flurry Heart while they attend an art show hosted by Shining Armor ' s old royal guard friend Spearhead Once Upon a Zeppelin , he is invited on a zeppelin cruise with his family . He enjoys it for the most part , although he occasionally suffers from airsickness . Best Gift Ever In the hour - long special My Little Pony Best Gift Ever , Shining Armor visits Twilight for Hearth ' s Warming alongside Cadance and Flurry Heart , and he quickly realizes that Twilight is over - stressed by holiday plans . When Flurry Heart adds some some extra ingredients to a magic pudding recipe , Shining Armor and Cadance help fight against it . After the pudding is dealt with , Shining Armor , Cadance and Flurry Heart join Twilight and her friends in celebrating Hearth ' s Warming . Season nine The Beginning of the End - Part 1 , Shining Armor is captured along with Cadance and Flurry Heart when King Sombra attacks the Crystal Empire , eventually being freed when the Mane Six defeat Sombra with the Elements of Harmony . Shining Armor also appears in Twilight ' s Seven Depiction in Equestria Girls The human version of Shining appears in My Little Pony Equestria Girls : Friendship Games as an alumnus of Crystal Prep Academy who encourages his sister , Twilight ' s human counterpart , to participate in the Friendship Games as he once did . He also displays an attraction to Cadance , the school dean . Depiction in the comics In the IDW comics ' story The Fall of Sunset Shimmer , a younger Shining Armor appears playing with a younger Twilight and Princess Cadance in the background . In the story arc Neigh Anything , Shining Armor and Cadance tell Twilight and her friends the story of how they met and fell in love . My Little Pony : Friends Forever Issue # 4 , Shining Armor and Twilight try to track down a ghost that ' s haunting the Crystal Empire castle . In the story arc Reflections , an alternate universe version of Shining Armor - who appears sicklier than his main universe counterpart - appears on cover A of Friendship is Magic Issue # 19 and page 11 of Issue # 20 alongside an alternate Cadance ; Shining Armor is mentioned by in Issue # 20 . In My Little Pony : Friends Forever Issue # 9 , Shining Armor appears on pages 3 5 In the story arc Siege of the Crystal Empire , Shining Armor is forced to deal with the return of King Sombra and an alliance of villains that includes Chrysalis and her changelings , Iron Will Lightning Dust Flim and Flam , and Sombra ' s childhood friend Radiant Hope Issue # 26 , Shining Armor goes with Prince Blueblood to Yakyakistan to establish trade agreements with the Crystal Empire . After he sours relations with the yaks and Blueblood salvages the situation with his diplomatic experience , Shining Armor asks Blueblood for ambassador advice . In My Little Pony : Friendship is Magic Issue # 41 , he appears on pages 12 , 17 , and 18 . In Issue # 30 , he plays a minor role in helping Cadance overcome her self - esteem problems . In Issue # 50 , he appears on page 20 walking through Ponyville with Cadance and Flurry Heart . In chapter 3 of the My Little Pony Annual 2017 , Shining Armor and Cadance are forced to deal with a changeling attack on the Crystal Empire , with Shining Armor being frustrated at not being able to face the creatures directly . He subsequently learns of and goes looking for ancient defensive spells prepared by Princess Amore and passes a test she had left behind for any such seeker , enabling him to obtain a potion that proves key to defeating the changeling invasion . Shining Armor also appears on page 24 of the My Little Pony Holiday Special 2017 comic . Other depictions Mobile game Shining Armor and Young Shining Armor are available playable characters in Gameloft ' s mobile game . The game sometimes lists him as Prince Shining Armor . An early preview of the game listed him as Shining Armour instead of Shining Armor . Shining Armor also serves as an enemy boss during the Siege of the Crystal Empire event , while Young Shining Armor is the protagonist of the " Presentable in Periwinkle " storyline . My Little Pony mobile game descriptions Twilight Sparkle ' s big brother Shining Armor is Captain of the Canterlot Royal Guard . He is also married to Princess Cadance . Young Shining Armor Back in his school days , Shining Armor was less of a Royal Guard and more of a 10th - Level O&O Palading - - but he managed to make Cadance his very special somepony nonetheless ! Promotional material In a video uploaded by The Hub ' s YouTube channel during the week between the screening and airing of A Canterlot Wedding , Katherine Kallinis mentions " The Hub ' s My Little Pony Royal Wedding of Princess Cadance and Prince Shining Armor " . The home page of Treehouse TV ' s My Little Pony Royal Wedding Contest site states " Princess Cadance , niece of Princess Celestia , and Prince Shining Armor , brother of Twilight Sparkle , are getting married " . The Meet the Ponies page of an Australian My Little Pony Wedding promotional site uses fanart of Shining Armor , lists him as Shining Armour and reuses the large talking Princess Cadance toy ' s packaging description stating " Princess Cadance ca n ' t wait to marry her prince , Shining Armor " . On May 16 , 2013 , the official European Spanish My Little Pony Facebook page posted fanart of Shining Armor and Twilight Sparkle along with the question " ¿ Sabéis cómo se llama el futuro marido de la princesa Cadance , que también es el hermano mayor de Twilight Sparkle ? " Animated shorts Shining Armor is briefly mentioned by Twilight Sparkle in Starlight the Hypnotist Chapter books Shining Armor appears in Twilight Sparkle and the Crystal Heart Spell , in which Twilight approaches him and Cadance over her worries about becoming a princess . Baby Flurry Heart ' s Heartfelt Scrapbook The Royal Wedding Saving the Crystal Empire The Crystalling , and The Magic of Friendship The Elements of Harmony guidebook SHINING ARMOR is the Unicorn captain of the Canterlot Royal Guard as well as the coleader of the Crystal Empire alongside his wife , Princess Cadance . He ' s also Twilight Sparkle ' s protective older brother , whom she affectionately calls her " BBBFF " ( Big Brother Best Friend Forever ) . Volume II guidebook SHINING ARMOR is Twilight Sparkle ' s older brother , Princess Cadance ' s husband , and Flurry Heart ' s father . He ' s also the captain of the Canterlot Royal Guard . With so many important titles , it ' s no wonder he ' s an inspiration to many of his loyal subjects . Though he appreciates their adoration , his wife and child command his attention the most . Shining Armor is devoted to his family and seeks to protect them at any cost . Merchandise Shining Armor Playful Pony Shining Armor was put in multiple 2012 playsets , always paired with Cadance and often themed around their wedding : A " Pony Princess Wedding Castle " playset , featuring a plastic castle and Playful Pony characters Shining Armor and Princess Cadance . The Miniature Collection contains a Pony Wedding set , with Shining Armor , Princess Cadance , and Twilight Sparkle . A Target exclusive playset with Shining Armor and Princess Cadance Fashion Style ponies , which states the couple " lead the Crystal Empire together " . He is also mentioned on the large talking Princess Cadance toy ' s packaging , which states " Princess Cadance ca n ' t wait to marry her prince , Shining Armor " . The Guardians of Harmony line includes a toy of Shining Armor in royal guard armor . Shining Armor is listed as possessing a seventh Element of Harmony , Love , in the 2012 My Little Pony trading cards ; the initial release additionally lists it as his pet . The element is also attributed to Princess Cadance . In the Enterplay collectible card game ' s expansion set Canterlot Nights , Cherry Fizzy ' s card # 29 C states that " Cherry Fizzy has been friends with Shining Armor since their first day of basic training " , Twilight Velvet ' s card # 66 C states that Shining Armor " was Captain of the Guard in Canterlot , and is now Prince of the Crystal Empire " . In the My Little Pony Equestria Girls : Canterlot High Tell - All ( Replica Journal ) , Shining Armor is mentioned as Pinkie Pie ' s secret crush . Personality Throughout his appearances , Shining Armor is portrayed as kind , caring , and protective . He has a very close relationship with his little sister , and he is warm and loving toward his fiancée ( and later wife ) . True to being the captain of the royal guard , he is also stern at times , as seen in Games Ponies Play . Despite his professionalism , Shining Armor has had moments of immaturity , like bawling his eyes out in Slice of Life and coddling his previous childhood possessions in , and playfulness , like setting up scavenger hunts for Twilight in The One Where Pinkie Pie Knows and talking like a baby in In the IDW comics ' Neigh Anything story arc , Shining Armor is shown to have been socially awkward , shy , and nerdy in his academy years . Appearances See also : Character appearances Legend Y At least one appearance where the character is the focus of a shot S At least one appearance where the character is the focus of a shot , without spoken dialogue or narration B Background appearance or an appearance where the character is not the focus M No appearance , but a mention by name or title N No appearance and no mention by name or title Season two 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 N Y Y Season three 1 2 4 6 7 8 9 10 11 12 13 Y Season four 14 15 16 17 18 19 20 21 22 23 24 25 26 B Season five N Season six M S Season seven N Season eight Season nine In the opening beginning with The Maud Couple , Shining Armor and his family appear in the throne room with Celestia and Luna after they receive the letter . Quotes A threat has been made against Canterlot . We do n ' t know who is responsible for it , but Princess Celestia asked that I help provide additional protection . The burden of keeping Canterlot safe and secure rests squarely on my shoulders . — A Canterlot Wedding - Part 1 You ' re my little sister . Of course you ' re important to me . But I would understand if you did n ' t want to be my best mare now . — A Canterlot Wedding - Part 1 If I were you , I would n ' t show up to the wedding at all . No ! My power is useless now . I do n ' t have the strength to repel them . A Canterlot Wedding - Part 2 I told her she would n ' t just be gaining a husband ; she ' d be getting a pretty great sister too . — A Canterlot Wedding - Part 2 None of this would ' ve been possible without you , little sis . Love ya , Twily . — A Canterlot Wedding - Part 2 Let ' s just say the Empire . . . is n ' t the only thing that ' s returned . The Crystal Empire - Part 1 You ' ve gotta stop saving my rump like this . It ' s starting to get embarrassing . The Crystal Empire - Part 2 Come on , gang ! Are we gonna gallop , or are we gonna trot ! ? Of course not , it ' s . . . it ' s liquid pride . Totally different thing . Let the games begin ! Back off , traitor . How could you . . . do this ? — Twilight ' s Kingdom - Part 2 Never better ! Being a father is amazing ! And wonderful , and amazing , and confusing , and amazing , but surprising too , you know ? I mean , not that you ' d know . You would n ' t know , I know . . . You know ? The Crystalling - Part 1 I ' m sorry . Fatherhood is way more stressful than I ever thought . — The Crystalling - Part 1 There is no such thing as a nice changeling . The Times They Are A Changeling Welcome to the Crystal Empire , Thorax . I ' m sorry we did n ' t take the time to get to know you . Maybe we can change that now . — The Times They Are A Changeling How can I be airsick ? I ' m in the water , so it totally cancels out ! Once Upon a Zeppelin Your mom sure is something . — To My Little Pony Best Gift Ever Twilight , you ' re scaring the staff ! Crystal ghosts are n ' t even real . That ' s just a legend that goes back to the days of King Sombra , hundreds of moons ago . Friends Forever Issue # 4 page 5 So we just wait around to see if things do get worse ? My Little Pony Annual 2017 Gallery Shining Armor image gallery See also on the Collectible Card Game Wiki on the Gameloft Wiki References ↑ Dubbingpedia ' s publication of credits from SDI ' s e - mail ( Polish ) . Retrieved on 2014 September 4 . ↑ Lauren Faust Interviewed on Brony Time ( 2013 - 10 - 22 ) . Retrieved on 2015 October 20 . Game Review - My Little Pony Friendship is Magic on iPad , iPhone & iPod touch ( 2012 - 11 - 07 ) . Retrieved on 2012 November 10 . Hands On With Gameloft ' s New Pony Game ( 2012 - 10 - 14 ) . Retrieved on 2012 November 10 . My Little Pony - Friendship is Magic - Universal - HD Gameplay Trailer ( 2012 - 11 - 07 ) . Retrieved on 2012 November 10 . My Little Pony Friendship is Magic - Unofficial Royal Wedding Pastry Chefs ( 2012 - 04 - 19 ) . Retrieved on 2012 November 10 . My Little Pony Royal Wedding Contest - Index Page . Retrieved on 2012 November 10 . Cadence ( 2011 - 12 - 14 ) . Retrieved on 2012 November 10 . My Little Pony Wedding - Meet the Ponies . Retrieved on 2012 November 10 . Twilight Sparkle Helps Shining Armour Up ( 2012 - 12 - 15 ) . Retrieved on 2013 May 17 . Timeline Photos ( 2013 - 05 - 16 ) . Retrieved on 2013 May 17 . Official Facebook page " My Little Pony Miniature Collection " Equestria Daily : " Shining Armor and Cadance Fashion Style toy Target Exclusive " My Little Pony Princess Cadance Pony , The toy for every little Girl . JadeLouise Designs ( 2012 - 10 - 12 ) . Retrieved on 2012 November 10 . Brian Truitt ( 2016 - 02 - 10 ) . Exclusive : ' My Little Pony ' debuts ' Harmony ' line in fall USATODAY . com . USA TODAY . Retrieved on 2016 February 10 . New orange character ( source : Hey Canterlot facebook group ) ( 2014 - 05 - 06 ) . Retrieved on 2014 May 8 . v d e Characters Leading characters Spike Applejack Fluttershy Rainbow Dash Rarity Supporting characters Cutie Mark Crusaders Sweetie Belle Apple Bloom Babs Seed Scootaloo Gabby Royalty Princess Platinum Prince Blueblood Princess Amore Prince Rutherford Ember Princess Skystar Queen Novo The Apple family Big McIntosh Granny Smith Braeburn Aunt and Uncle Orange Hayseed Turnip Truck Apple Strudel Auntie Applesauce Apple Rose Goldie Delicious Bright Mac The Sparkle family Twilight Velvet and Night Light The Pie family Limestone Pie and Marble Pie Igneous Rock Pie and Cloudy Quartz Maud Pie The Shy family Mr . and Mrs . Shy Zephyr Breeze The Cake family Mr . and Mrs . 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Hooves Eclair Crème Eiffel Emerald Green Felix Fetter Keys Fiddly Twang Florina Tart Gala Appleby Globe Trotter Golden Delicious Golden Harvest Goldengrape Green Jewel Haakim Half Baked Apple Hughbert Jellius Jeff Letrotski Joan Pommelway Jonagold Lady Gaval Lavender Bloom Lavender Fritter Leadwing Lilac Links Lily Valley Long Shot Luckette Lucky Clover Lucky Star Lyrica Lilac MandoPony Masquerade Meadow Song Minty Mjölna Mr . Greenhooves Mr . Waddle Neighl Page Noteworthy Octavia Melody Parcel Post Parish Nandermane Peachy Sweet Pearly Stitch Pegasus Olsen Perfect Pace Perfect Pie Purple Wave Pursey Pink Raven Inkwell Real Article Red Delicious Red Gala Rivet Roger Silvermane Rose Royal Riff Ruby Splash Sand Trap Savoir Fare Screwball Screwy Sealed Scroll September Serena Shoeshine Shooting Star Silver Berry Sir Pony Moore Snappy Scoop Spring Forward Star Gazer Star Spur Strawberry Ice Sweetie Drops Tall Order Tealove Theodore Donald " Donny " Kerabatsos Twilight Sky Vidala Swoon Walter Wensley Wisp Pegasi Big Shot Buddy Celena Cloud Kicker Compass Star Crafty Crate Derpy Diamond Rose Drizzle Eff Stop Fast Clip Foggy Fleece Helia Honey Rays Jack Hammer Jetstream Lilac Sky Lily Blossom Mane Moon Meadow Flower Merry May Orange Swirl Parasol Pizzelle Prim Posy Rainbow Blaze Rainbow Swoop Rainbowshine Sassaflash Serenity Silver Script Silverspeed Spring Step Sprinkle Medley Star Hunter Starburst Starry Eyes Stormfeather Strawberry Sunrise Sugar Grape Sunny Rays Sunshower Raindrops Surprise Thorn Tracy Flash Warm Front Whiplash White Lightning Whitewash Wild Fire Unicorns Amethyst Star Apple Stars Banana Fluff Bittersweet Blue Moon Burning Heart Cayenne Charm Cherry Spices Citrus Blush Comet Tail Dark Moon Diamond Mint DJ Pon - 3 Electric Sky Fine Line Firecracker Burst Four Step Holly Dash Juno Lemon Hearts Lemony Gem Love Melody Lyra Heartstrings Magnet Bolt Minuette Moonlight Raven Neon Lights North Point Peachy Pitt Pinny Lane Ponet Press Release Rainbow Stars Rare Find Royal Pin Royal Ribbon Sea Swirl Silver Spanner Star Bright Sunshine Petals Sunshine Smiles Sweetcream Scoops Top Marks Twinkleshine Whoa Nelly Written Script Crystal Ponies Amethyst Maresbury Autumn Gem Bright Smile Crystal Beau Elbow Grease Fleur De Verre Ivory Rook Night Knight Rubinstein Sapphire Joy Foals Apple Flora Aura Bolt Button Mash Candy Caramel Tooth Cotton Cloudy Dinky Doo Finish Line Hairpin Turn Liza Doolots Mango Dash Natural Satellite Noi Piña Colada Princess Erroria Rainy Feather Ruby Pinch Saturnalia Shady Daze Strike Sweet Pop Tornado Bolt Truffle Non - pony characters Giselle Derpy Octavia Melody Categories Unicorn ponies Male characters Canterlot Academy students Parents Royal guards Royalty Sparkle family Supporting characters Crystal Prep Academy students Featured articles Languages : Deutsch Español Galego Italiano 日本語 한국어 Nederlands Polski Português Русский	[ "Shining Armor", "male unicorn pony", "the Crystal Empire" ]
http://mlpfanart.wikia.com/wiki/My_Little_Bionicle:_Destiny_is_Magic	in : Pages that need additional references Pages that need improvement Fan fiction Crossover My Little Bionicle : Destiny is Magic Edit Comments ( 18 ) Share This page covers an ongoing or otherwise unfinished work . The article reflects developments up to 15 . My Little Bionicle : Destiny is Magic The story ' s cover art Writer ( s ) Toa Coy Date published August 2 , 2012 Words 56,864 ( chapter 15 ) Status Complete ( being revised for grammar ) Type / genre Crossover Adventure Alternate Universe Story link ( s ) \| \| My Little Bionicle : Destiny is Magic is a fanfic written by Toa Coy , being edited by Blazikenking and revised by Cades the Sharkbear , that functions as a crossover between LEGO ’ s Bionicle franchise and My Little Pony Friendship is Magic Contents show Summary " This is set after the end of the seires for FiM while it is just before the Toa Mata are to arrive , the story is over a week or two . This is a story written for the love of bionicle and how that world would fit in mlp . " - Toa Coy On the Island of Mane Nui six stars call to heroes to save the inhabitiants from a long forgotten evil . Meanwhile in Equestria , the same six stars have not been seen since the rise of Nightmare Moon . What is the connection to these two distant lands share ? Overview The story starts by explaining the background information of the two alicorns who once ruled over a far off land with normal looking ponies but with strange powers , as well to how Discord came to be . Then the story shifts to present day , where a Ta - pony named Takua is going about his day to day life . Takua woke up after having a strange dream , something that has been happening for a month now . Turaga Vakama summons him to his hut where he gives Takua a mission to gather several stones from the Turaga of each of the Koros , or at least the main six Koros . Meanwhile Twilight Sparkle is staying up late to study the sky , and sees the new stars appear . Not knowing how they came to be she writes a letter to Princess Celestia about it , having Spike send the details of the observation to Princess Celestia for analysis . When Celestia reads the report to Princess Luna , who is in charge of the stars , Luna faints . She has a vision of the past , and saw a being that appeared to be Nightmare Moon . During Luna ' s vision , she saw six ponies face this " Nightmare Moon " . Each pony had a cutie mark shaped like a mask , and each one had armor on . When the " Nightmare Moon " spoke , it did not have Luna ' s voice , but instead a male one . Near the end of the vision the six ponies spoke the word " Unity " and a beam of light hit the " Nightmare Moon " which encased him in a crystal with a small shadow splitting off from it . Luna Takua goes to the village of Ga - Koro the next day to talk to Turaga Nokama , but first he must brave a boat ride with Macku . Takua regrets not walking to the village . When the two make it to the village , Takua has to rest a minute to clear his head . Takua talks with Nokama and learns that a pony by the name of Hahli hid the stone at Nokama ' s request . Hahli was not in the village but in Ce - Koro ; the one place Takua does not like to go . Twilight and her friends discuss the six stars and why they appeared . Rainbow Dash says that she should name the stars after them and the others give her the ' not now ' look . Twilight says that this might be an omen while Pinkie says it has something to do with masks and robots . Spike comes in with a letter from Celestia and all of them learn of what happen to Luna and of the second " Nightmare Moon . " When Takua is about to enter Ce - koro he runs into the Ga - pony , Hahli , and tells her that he was looking for her . She replies to him by his name and mentions Jaller as well . Takua askes about how she knew both him and Jaller , and she tells him that she was seeing Jaller and he talked about Takua a lot . Both were quiet on their way back to Ga - Koro until a muaka appears in front of them . Takua wonders why it ' s shoulders and eyes were Turaga Vakama , Jaller , and Kapura , arrive at Ga - koro for a meeting with Turaga Nokama when they see Takua and Hahli come out of the forest and crash into the ground . The bubble around the two disappears and causes the two to face - plant into the sand . When all five get to Nokama ' s hut , Vakama gives Takua the third degree for not getting the Toa Stone . Meanwhile , Hahli goes to the east garden to get the stone that she hid . Nokama calls Vakama out for putting too much pressure onto Takua , and that he was doing what he was told by her . During this time Hahli went to the east garden and got the toa stone . When she returned the meeting between the Turaga and Ta - ponies where more tamed . Later that night , in Ponyville , Twilight is still looking at the stars to see if they ' ve moved . Luna appears to her and explains that she is going to use a spell to allow Twilight to go to the dream world . While there they saw a convenction between the two alicorn brothers , who were named Mata Nui and Teridax . During these Takua was having his own dream which was of Twilight and the other elements ' defeat of Nightmare Moon . It was during Luna and Twilight ' s journey Mata Nui seemed Once both of them awoke , or in Luna ' s case walking out , they began to go about there days . Luna recorded what happen in the dream world when her mirror changed into Nightmare Moon . Once Nightmare explained how she survived the elements , she caused Luna to see how Nightmare began by using the dream world . During that Luna was shock to learn that she was taken advantage of by the piece of the makuta , which started the deveploment of Nightmare Moon . When she was back to the present Luna began to think about this new information . What happen next made her come out of her thoughts , Nightmare come out of the mirror as a filly and called Luna Mama . Given what Luna has seen she did accept Nightmare , even if it was out of her knowledge . When she asked nightmare why the jump from green with envy to Meanwhile Takua was sent to Po - Wahi the next moring with Macku as his transport since she was to trade with the pony at the dock . Once they arrived and Macku finished her dealing they headed towards Po - koro only for the two to get lost . Which the two ended up in Onu - wahi and had to back track to a fork in the road that they took a wrong turn on . When they got close to Po - koro they saw the gates were closed and a pack of Nui - Jaga climbing Masks Masks in this story serve as the cutie marks for the Bionicle Ponified cast . While there are multiple cutie marks featuring the same mask , no two ponies act the same way . Toa Turaga , and some others , can call upon the mask ' s powers the same way a unicorn would magic . The Masks also act as a time seal for the ponies , the time seal allows them to live for as long as alicorns . Upon completing their destiny the pony ' s seal weakens . OCs and other things from other fan works Technia , Owned by Blazikenking , is a side character that is the owner / friend of a Bordakh , named Blue . Goldrax , Owned by Biolaj1998 , is a shadow pony and importiant for later chapters . Shades , Owned by gh152 , are foot soliders of any shadow user . Wubsy , based on " Fun with Changelings " Sequel / contiuation My Little Bionicle : Quest for the Masks is a direct sequel to My Little Bionicle : Destiny is Magic , this story is closer to the first year of bionicle but with the plots from the first story carried over . Side Stories Technia and Blue Trivia Most of the Bionicle characters that are ponified are of the elements fire , water , air , earth , stone , and ice ; As such if there is not a canon name then it is an original character . Av - ponies are base on the Av - Matoran and follow the idea that they were amoung the first ponies to have elemently ablities . They are alicorns because of their powerful magic , also they have an ablity to change color and hide their horns and wings . ' The others follow either unicorn , pegasi , or earth pony : Ta , Ko , Su , Vo , De , and Ce are unicorns due to there being magic spells for controling their elements ; Le , Ba , and Fa are pegasi because of there element Ga - ponies are not listed above as they are mer / seaponies and have the earth pony form so they can interact with the other ponies . citation needed Gallery My Little Bionicle : Destiny is Magic image gallery Categories Pages that need additional references Pages that need improvement Fan fiction	[ "My Little Bionicle", "Friendship is Magic", "Toa Coy" ]
http://mmajunkie.com/2016/01/nsac-quickly-quietly-passes-settlement-with-nick-diaz-now-suspended-18-months	NSAC quickly , quietly passes settlement with Nick Diaz , now suspended 18 months An unanticipated problem was encountered , check back soon and try again Error Code : MEDIA_ERR_UNKNOWN Session ID : 2019 - 04 - 08 : 9d53f619a5746f13c3f1e65 Player ID : videojs - brightcove - player - 78917 - 4700318891001 OK By : Steven Marrocco \| January 12 , 2016 1 : 05 pm The Nevada State Athletic Commission today moved quickly to approve a settlement with suspended UFC welterweight Nick Diaz , voting unanimously to reduce the onetime title challenger ’ s five - year suspension to 18 months with a $ 100,000 fine . Diaz ’ s suspension runs retroactively to his Jan . 31 , 2015 fight with Anderson Silva at UFC 183 , which produced the positive test that resulted in his third suspension with the NSAC . He is eligible to fight Aug . 1 , per the terms of the settlement . The NSAC announced its unanimous vote on the settlement today during a meeting in Las Vegas . The five - member commission did not deliberate on the matter and did n ’ t discuss any portion of the settlement before approving it . Diaz was not present at the meeting , nor was his counsel from Las Vegas firm Campbell and Williams , which frequently represents the UFC in litigation . Diaz ’ s manager , Lloyd Pierson , said the fighter wo n ’ t be making any immediate comment on the matter and does n ’ t yet have a fight lined up . Hunter Campbell , a managing partner at Campbell and Williams , told MMAjunkie in an email : “ With respect that Nick will be able to fight again beginning Aug . 1 , I ’ m pleased with the outcome of the settlement . ” Pierson said of the settlement : “ It ’ s been an ongoing process , since almost immediately following the original hearing . This is a compromise that we ’ ve been working on . Campbell and Williams and Seham , Seham , Meltz and Petersen did a great job in getting Nick back to fighting . ” Diaz ’ s settlement , which MMAjunkie obtained and can be viewed here , was signed Monday by the fighter . The agreement requires him to pay the NSAC fine before his next fight or Dec . 1 , whichever occurs first . He agrees to provide clean urine samples 30 , 15 , and three days from his next bout in Nevada for all prohibited substances in - and out - of - competition . ( It should be noted that marijuana is not prohibited out - of - competition , rendering moot Diaz ’ s tests for the drug . ) Diaz also agrees to file his application for a fight license at least 30 days from his next bout . If Diaz again tests positive , he is subject to disciplinary action by the NSAC . If he decides not to fight in Nevada , he is merely bound to the terms of his amended suspension . Court costs from the settlement will be split by the fighter and the commission , which also agree not to take further legal action against each other and waive the right to appeal the decision to higher courts . The parties do not admit any liability in the matter . “ The commission ’ s approval of this agreement does not constitute approval of or a precedent regarding approval of any principle or issue for any other purpose or for any other party except those involved in the specific agreement , ” the settlement states . This past September the NSAC suspended Diaz for five years and fined him $ 165,000 for failing a third drug test in the state . All three of his infractions have been for marijuana , most recently following the UFC 183 loss to Silva . ( Silva failed tests for steroids at the same event and was suspended for one year , and the official result is now a no - contest . ) At a contentious hearing , Diaz attorney Lucas Middlebrook argued the commission violated the fighter ’ s due process . He called an expert witness to discredit the positive drug test , which was sandwiched between two tests performed by a WADA - accredited lab that came back negative . The commission ’ s then - legal rep , Nevada Deputy Attorney General Chris Eccles , argued the conflicting results did n ’ t invalidate each other and pointed to Diaz ’ s pre - bout questionnaire on which he certified he had n ’ t used marijuana in the one month prior to the bout with Silva . Diaz also testified and repeatedly invoked his right to self - incrimination when questioned by NSAC commissioner Pat Lundvall . Afterward , the fighter and his lawyers blasted the five - year suspension and indicated they would appeal the results to a higher court . In the weeks following the initial NSAC ruling , Diaz posted on his official Instagram account and said his legal team has been working with the NSAC , and the talks were “ going well , ” hinting a reduction in punishment could be in his future . The MMA community showed overwhelming support for Diaz after his penalty was handed down – at least insomuch that the consensus was the punishment did n ’ t fit the crime . Many fighters rallied behind Diaz , whose reputation as one of the “ bad boys ” of MMA probably did n ’ t help his case in front of the NSAC in September . In addition , a White House petition to lift the five - year ban hit more than 100,000 signatures , which was the threshold required for an official White House comment . Diaz ’ s petition was also championed by his former opponent , ex - welterweight titleholder Georges St - Pierre , as well as several celebrities , from comedian Katt Williams to musicians Wiz Khalifa and Cher . Perhaps the biggest show of support for Diaz publicly came from Ronda Rousey , who counts herself as one of Diaz ’ s friends , and who has trained with him in the past . Before she lost her women ’ s bantamweight title to Holly Holm at UFC 193 , she went on the record for Diaz , saying his penalty was like getting a life prison sentence for unpaid parking tickets For more on the UFC ’ s upcoming schedule , stay tuned to the UFC Rumors section of the site . An unanticipated problem was encountered , check back soon and try again Error Code : MEDIA_ERR_UNKNOWN Session ID : 2019 - 04 - 08 : 4ff1deb36031d119b2c9b273 Player ID : videojs - brightcove - player - 672922 - 4582841842001 OK Follow MMAJ ! Social See MMAJ stories in your feed Like MMA Junkie Follow MMA Junkie Newsletter Get the day ' s top stories Sign me up ! More MMA Junkie	[ "Nick Diaz", "NSAC", "settlement" ]
http://mmohuts.com/news/what-does-closed-beta-mean/	Closed Beta ? Open Beta ? What It All Means EDITORIAL Jun 01 , 2010 With so many free to play MMORPGs launching lately , I ’ ve seen a lot of people asking “ What does closed beta mean ? ” or “ What does open beta mean ? ” . I figured I ’ d throw up a quick guide here to explain all the “ terminology ” regarding the development stages of MMOs . The terms below are not exclusive to MMORPG games . Every piece of software can go through beta stages , but the descriptions below will talk about the terms and stages of development in relation to MMORPGs . Alpha Testing or just Alpha – Alpha testing is an early stage of testing of a game . It ’ s usually done after a game just finishes being developed . It ’ s very common for games to be unstable in this stage , as the purpose of alpha testing is to iron out the “ obvious ” bugs and glitches . Developers usually conduct Alpha testing internally , meaning gamers will not get a chance to try the game out . Game developers do this because they do n ’ t want people seeing the game until its further developed . GodsWar from IGG Began Alpha Testing in November , 2008 . Closed Beta or Close Beta – This stage of testing usually comes right after all the problems discovered in Alpha testing are fixed . The length of closed beta testing really varies from game to game . Some games go through numerous stages of closed beta testing titled “ Closed Beta 2 ” , “ Closed Beta 3 ” , “ Closed Beta 4 ” and so on . As the name implies , this stage of testing is still “ closed ” from the public , but is much more extensive than Alpha Testing . Gamers can usually “ apply ” for Closed Beta testing Battle of the Immortals Closed Beta began in April and Ended in Early May . Open Beta – For all intents and purposes , Open Beta means the MMORPG / MMO is released and available to the public . Anyone can register and download the game . In 95 % + of cases , there are n ’ t any more “ character wipes ” after open beta , so if you create your character in open beta , you will most likely still have it after the game fully launches . Open Beta is still considering beta testing , but almost all of the bugs / problems with the game have already been worked out . Developers Commercial Release – The game is fully released and is no longer in any testing stages . Developers focus on expanding the game ’ s features and content instead of hunting for bugs to fix . Like in open beta , anyone can register and begin playing the game right away . After 3 Months of open beta testing , Runes of Magic officially released on March 19 , 2009 . Hopefully this short guide should answer any questions people might have had about the topic . If I left anything out , feel free to add it in the comments below . By Omer Altay # MMOKnowHow Next Article Hockey Dash Open Beta Begins June 3	[ "Beta", "MMOs", "Alpha Testing" ]
http://mmsphyschem.com/stoichChemReac.htm	Determining The Stoichiometry Of Chemical Reactions In the method of continuous variations , the total number of moles of reactants is kept constant for a series of measurements . Each measurement is made with a different mole ratio or mole fraction of reactants . The maximum change will occur when the mole ratio of the reactants is closest to the optimum ratio which is the stoichiometric ratio in the chemical equation . An extensive property of the reaction that depends on the amount of product formed is measured . This property may be the color intensity of a reactant or product , the mass of a precipitate , the amount of heat produced , or the volume of a gas evolved . A typical set of results for this investigation is shown below . Experiment Volume AgNO 3 Volume K 2 CrO 4 Mass Of Precipitate Number ( mL ( mL ) ( g ) 1 0.0 50.0 0.0 2 5.0 45.0 1.7 3 15.0 35.0 5.0 4 25.0 25.0 8.3 5 30.0 20.0 10.0 6 35.0 15.0 9.9 7 40.0 10.0 6.6 8 45.0 3.3 9 50.0 The graph shows that the amount of product increases in a continuous manner and then decreases . To find the optimum mole ratio , two best - fit straight lines are drawn with their intersection being the maximum change . The maximum change occurs when when each reactant is a limiting reactant . As shown above , the region where the volume of AgNO ( mole ratio ) increases from 0 to ≈ 33 mL shows the AgNO to be the limiting reactant . The intersection shows the maximum mole ratio and now K CrO becomes the limiting reactant . The optimum mole ( volume ) ratio is 33 mL AgNO / 17 mL K or 2 : 1 which is the stoichiometric mole ratio as well as the ratio of moles in the empirical formula for Ag 2AgNO ( aq ) + K ( aq ) → 2KNO ( aq ) + Ag ( s ) 2Ag + ( aq ) + CrO 2 - ( aq ) → Ag ( s ) © 2004 , Flinn Scientific , Inc . All Rights Reserved . Reproduced for one - time use with permission from Flinn Scientific , Inc . , Batavia , IL , USA . No part of this material may be reproduced or transmitted in any form or by any means , electronic or mechanical , including , but not limited to photocopy , recording , or any information storage and retrieval system , without permission in writing from Flinn Scientific , Inc . ; and That the Licensee agrees to indemnify and hold Flinn Scientific , Inc . harmless from any and all liability , loss , damages , costs of expense which Flinn Scientific , Inc . may hereafter incur , suffer or be required to pay by reason of such publication by the Licensee ; and To compensate Flinn Scientific , Inc . $ 0.00 for the permission to reproduce this material . Home Chem II AP Labs	[ "Stoichiometry", "Chemical Reactions", "mole ratios" ]
http://mn.gov/admin/bms/arbitration/awards/	Arbitration Awards Arbitration awards are issued by arbitrators on the Bureau of Mediation Services ' Arbitration Roster . All linked arbitration award documents are in PDF format and require a PDF viewer such as Adobe Acrobat Reader , a free download . Search for Arbitration Awards View biographical sketches of the arbitrators . View summaries of past Arbitration Awards : 2019 , 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 View Interest Arbitration Awards Summary from 2006 through today Arbitration Awards Statute Minn . Stat . section 13.43 , subd . 2 ( b ) and 179A . 04 , subd . 3 , provides as follows : In the case of arbitration proceedings arising under collective bargaining agreements , a final disposition occurs at the conclusion of the arbitration proceedings , or upon the failure of the employee to elect arbitration within the time provided by the collective bargaining agreement . A disciplinary action does not become public data if an arbitrator sustains a grievance and reverses all aspects of any disciplinary action . In accordance with this provision , arbitration awards are not public if the arbitrator sustains a grievance and reverses all aspects of any disciplinary action .	[ "Arbitration Awards", "Bureau of Mediation Services" ]
http://mnlumumbai.edu.in/	ABOUT US ACADEMIC ADMISSION FACULTIES STUDENT CORNER MEDIA CORNER INFRASTRUCTURE LIBRARY OTHERS ADMISSIONS 2018 ACADEMIC PROGRAMMES STUDENTS CORNER TENDERS NOTICES VACANCIES PhD Admission Notification and Application Form 2018 Last date 24122018 PhD Fee Structure 2018 Teachers Training Course in Commercial Laws 1016 December 2018 ONLINE PAYMENT OF FEES FROM THE VCS DESK Maharashtra National Law University Mumbai started its first academic journey on 1st August 2015 The University offers BALLBHons five years integrated program and one year LLM program in Corporate and Commercial Laws Since its inception in 2015 the University has aimed to excel in the field of legal research and education With this particular objective the University has planned for a more intensive curriculum for its prospective student in the coming academic session Within the span of three years the University has been able to traverse an arduous yet promising path filled with lots of possibilities for the future ANOUNCEMENTS 20 Nov PhD Admission Notification and Application Form 2018 Last date 24122018 click here 20 Nov PhD Fee Structure 2018 click here 29 Jul Nyusureta Vol III Issue IV MNLU Mumbai Newsletter click here 23 Jul Annual Report 201718 dated 02062018 click here IMPORTANT LINKS PHOTO GALLERY NEWS EVENTS BA LLB LLM DOWNLOAD PHOTOS EVENTS 10 Dec Teachers Training Course in Commercial Laws 1016 December 2018 click here 15 Jun Certificate Course in Cyber Law for Young Professionals on 21st and 22nd July 2018 click here 05 Jun Certificate Course on Advocacy Skills For Law Teachers and Young Advocates click here 02 Dec Workshop for Young Lawyers click here	[ "education" ]
http://mobilehomeliving.org/mobile-home-skirting/	The Mobile Home Skirting Guide By Crystal Adkins Mobile Home Repair Guides and Resources Siding and Skirting April 17 , 2012 Mobile home skirting is absolutely necessary . Skirting can be made from a variety of materials but the most popular is vinyl and metal . Unfortunately , many homeowners do n ’ t realize just how important skirting is to their home . In this mobile home skirting guide we will cover why healthy skirting is vital to a home , skirting materials , ventilation requirements , and a few tips that can save mobile home owners money . Skirting does many things for a manufactured home . Most importantly , it hides the structural elements , adds an environmental barrier to keep pipes from freezing , protects the home from critters , helps retain heat in the winter , and gives the mobile home a finished look . Skirting Saves Money Correctly installed skirting can help maintain an average temperature beneath the home and that will save you money . Preventing cold winds , hot summer sun , and extreme temperatures from building under the mobile home can reduce your heating and cooling costs . Mobile Home Skirting creates great storage space for seasonal goods such as holiday decor , mowers , and weed - eaters . Every mobile home should have skirting and in most parts of the country , it is the law . How to Calculate How Much Skirting You Need Regardless of the type of skirting you choose you will need to measure your home to see how much of the material you will need . The basic steps of calculating your skirting needs : Add together the length and width of all 4 sides of your mobile home and the three sides of your porches and decks ( see image below ) . This is how much framing and channeling you will need to buy for your skirting . Next , figure out the average height between the ground and the bottom of your home by measuring the height of your home at each corner and in the middle of each long end . Divide that total by 6 . ( We will detail each step below ) The linear footage for the home in the image would be 70 + 70 + 14 + 14 + 10 + 10 = 188 Real Life Example to Calculate your Skirting Needs Let ’ s take my mobile home as an example . It ’ s a 1978 Homette single wide siding on a sloped property that measures 58 ′ long and 12 ′ wide . The back of the home is on 5 ′ piers while the front of the home is only about a foot off the ground . The slope makes finding the average height of my home difficult . My home has a deck on the front that sits directly on the ground so I do n ’ t need skirting for it . The porch on the back is almost 5 ′ high so it needs a lot of skirting material . Step 1 : Calculate Linear Footage The first step to calculate the linear footage that I need is a simple math problem . I will add the two lengths of my home and the two widths together first : 58 + 58 + 12 + 12 = 140 Because I have the porch on the back I need to add that to my final number . However , I ’ ve already accounted for the width of the porch in the first equation . Therefore , all I need to worry about is the two ‘ sides ’ of my 8 ′ x 8 ′ porch . My porch is 8 ′ long from the house so I need to add those sides together ( 8 + 8 = 16 ) and add that total to the 140 . 58 + 58 + 12 + 12 + ( 8 + 8 ) = 156 Only include the 2 long sides of your porch since the width of your porch has already been accounted for . That end amount will be how much , in feet , is how much you need to purchase of the framing , channeling , and footing for the skirting to attach to or if it ’ s vinyl siding , the back , top and ground tracks . Step 2 : Find the Average Height of your Home Next , you will need to find the average height between the ground and your home to calculate how much actual material you will need . To determine the average height you will measure the distance between the ground and the bottom of your home at each corner . By ‘ the bottom ’ of your home , we mean approximately 2 ″ above the bottom of the siding . Once the 4 corners have been measured , go to the middle of the length of the home ( the long sides ) and measure . You ’ ll do this on both the front and back side of the home . Here are the dimensions of my home at each corner and in the middle of the front and back : Corner 1 : 17 ″ Corner 2 : 37 ″ Corner 3 : 49 ″ Corner 4 : 19 ″ Front Middle : 17 ″ Back Middle : 31 ″ Add all the measurements together and then divide by 6 , the number of times you took the measurements . That ’ s going to be your average height in inches . Now that you know the linear footage and average height of your home , you can figure out what type of siding you want and get a good estimate of the total cost . 17 + 37 + 49 + 19 + 17 + 31 = 170 . Now , divide 170 by 6 to get the average height of 28.33 . Some companies recommend measuring where you want your skirting to start at the bottom of the home . Adding extra to the calculation is always a smart idea . Skirting Direct has a handy skirting calculator that you can use here Mobile Home Skirting Tips and Expert Advice The following tips are valid for all materials and the expert advice may help you choose the right material for your home ’ s skirting . Tip # 1 : Venting is Vital for a Healthy Mobile Home As stated above , venting and circulation are vital for a healthy mobile home . You must allow air under your home and the way to do that safely is with vents . If your skirting is n ’ t properly vented mold and mildew will have a perfect place to call home . Moisture rises from the ground and you need air flow to help dry that moisture up before it turns into a petri dish . The home does n ’ t appear to have skirt vents but they may built into the vinyl . Venting Ratio : 1 Foot of Venting for Every 150 feet of Flooring Venting and circulation are so important it is regulated in a majority of states . Most experts agree that you need around 1 foot of venting to every 150 - 250 square feet of floor in a mobile home . For example , my mobile home is 58 ′ x 12 ′ so there are 696 square feet of flooring . Divide that by 150 and you get 4.64 . Therefore , my home needs at least 4 vents . Vinyl skirting with builtin perforation and ventilation and offers 4.9 inches of ventilation per foot of length Vent Placement You ’ ll need to be careful where you put the vents in your skirting . You do n ’ t want a vent near the plumbing pipes . However , you do want a vent within 3 ′ of your end corners so the air can circulate efficiently and you do n ’ t get dead air pockets in the corners . Skirting vents are similar to the registers in your floor . You want small slits or holes with screening so critters ca n ’ t get it but air can . Tip # 2 : Ground Vapor Barriers are Just as Important as Skirting Before spending a ton of money on new skirting please consider installing a new ground vapor barrier . To be honest , your home should already have one but unfortunately , many homeowners do n ’ t know about them . A ground vapor barrier is not a belly wrap . Ground barriers are thick plastic that lies directly on top of the ground under your mobile home . It does exactly what it says it does , creates a barrier so the earth ’ s moisture does n ’ t have a chance to damage the home . If you have a good ground barrier you can get away with less venting . John Krigger , of Your Mobile Home , writes that you should only need 1 vent for every 300 square foot of flooring if you have a ground vapor barrier . Ground Vapor Barriers Should extend Past Your Home 6 ″ When installing a vapor barrier you should have it extend about 6 ″ past the perimeter of your home . There ’ s a couple of reasons for this . First , your skirting ’ s ground frame ( or C channel if your skirting is vinyl ) to go over the barrier and act as a staple to hold the barrier in place . Secondly , it helps keep weeds and grass from growing close to your home . If there are no weeds you wo n ’ t need to weed eat so close to your home . Tip # 3 : Buy all the Skirting you Need at One Time Regardless of the material you choose as your skirting , you should buy it all at once . Building materials like vinyl and brick are manufactured in bundles or lots . A small change in temperature or a slight mismeasure of dye can create differences from one day to the next . This also reduces the chance of backorders and not having the material available anymore at your local suppliers . Buy all you need in one lot plus an additional 10 % for damage or mistakes . There are numerous mobile home skirting options . This gallery shows just a few . Popular Mobile Home Skirting Options There are several different kinds of materials you can use to skirt your home . Brick , stucco , tin ( metal ) , cinder block , T1011 , plywood , hardy board , faux rock , and vinyl are just a few . The supplier will help you determine how much you need to order as different materials come in different sizes . Here ’ s a little break down of the types you can choose from . Vinyl Skirting Vinyl skirting is the most popular choice for mobile home owners for a few reasons : it is easy to install , affordable , and attractive . Vinyl siding and skirting are very environmentally friendly . Most think vinyl comes from oil and the refining process , but that is incorrect . All vinyl productions start with chlorine from common salt and ethylene from natural gas . According to Building for Environmental and Economic Sustainability ( BEES ) software , vinyl siding outperforms brick , stucco , and wood on how it affects the environment based on a combination of environmental criteria . Advantages and Disadvantages of Vinyl Siding Unfortunately , the vinyl siding on many of the affordable manufactured home models is not the best quality . It ’ s usually a thin weak product that is made from recycling old vinyl building blocks . This vinyl is n ’ t as energy efficient as other vinyl , specially insulated vinyl . If you have this thinner vinyl you should consider upgrading it as soon as possible . Vinyl skirting does not do well with weed eaters and budget brands do not age well . Cost of Vinyl Skirting Most vinyl skirting kits run about $ 600 and up for a common - sized single wide and will include all the pieces you need to completely skirt the entire home . Thicker , sturdier vinyl will cost more . Standard vinyl skirting trim kit . Buying a Vinyl Skirting Kit There are 4 basic pieces needed for vinyl skirting : the panels , the U - channel ground tracks , the top J - channel , and the trim . 12 Foot Panels The panel itself which is sold in 12 - foot lengths . This is to make it easy for homes that are sitting on an incline , you simply cut the panels at the right dimension you need for the area . You can start at 2 ′ on one side and end up with 12 ″ on the other . You ’ ll need to use the average height method to order the correct amount of skirting . Ground Track – U Channel The ground track which is what is bolted into the ground with long rods . It is a U - shaped channel and the panel will fit down into it and keep is secured . Top Frame – J Channel The top back is what goes on the bottom of the home before the panels are set into place . It has a top J channel that the top front piece will fit into . Trim The top front piece is the horizontal strip in front of the panel . It gives the entire system a more polished appearance and allows the skirting more security . It ’ s the last part you add . There are guards you can add around the bottom edge of thinner skirting to keep the weed eaters from eating it . See the process of installing vinyl skirting on a mobile home here Novik Panels , Reil Rock , Faux Rock , and Brick Panels Novik is a favorite of mobile homeowners because it ’ s so beautiful . It can be expensive but it could still be the right choice for your home . This skirting requires metal framing and some brands require professional installation to honor their warranty . Metal framing for Novik skirting being installed . Image source : SkirtingDirect . com Most faux panels are made from a polyurethane and come in 46 ¼ ” wide × 24 ″ high × 1 ¼ ” thick panels . They look remarkably like real stone . You can frame the area to be skirted with metal 2 × 2 or 2 × 4 ′ s and then screw the panels into the frame . You can also completely frame the area with plywood and screw onto that for a sturdier installation . They are light but sturdy , and they can withstand temperature fluctuations very well . They are a bit expensive but cheaper than real stone and much easier to install . MHPS has Novik panels that are48 ″ x 18 1 / 2 ″ for $ 21.98 . Corner pieces run about $ 15 each . See installation steps for Novik here . Reil Rock panels . Reil Rock The second most popular skirting option is the Reil Rock panels ( aka Mason ’ s Rock ) . They are made of sturdy plastic , have the look of stone and come in 3 colors . They come in 5 - foot sections with 3 height options : 2 ’ 6 ″ , 3 ′ and 4 ′ . Also , they are very easy to install because you simply use a U channel or J channel on the ground and screw the panel into a board attached to the home ( some just attach directly to the home and some do n ’ t even use the ground channel ) . There is a track you can put on top of the panel , but it ’ s not needed either . If your panel is just shy a couple of inches you can use the top track to cover the issue . A 5 - foot section costs about $ 32 at MHPS . While it ’ s more expensive than vinyl it ’ s sturdier and can handle a bit more . To calculate for Reil Rock , simply convert your linear foot to inches by dividing by 12 . Then use your average height calculation to get the correct panel height to buy . There is a lip on these panels that are about 2 - 3 ″ so keep that in mind . See how to install Reil rock skirting here Concrete , Brick , and Cinder Block If you want absolute permanence concrete , brick , or cinder block is probably your best choice . Adding brick or cinder block to a home is a labor - intensive ordeal , but the advantages are worth it . Being practically indestructible is the best advantage . Concrete panels are easier to install but have similar indestructibility and longevity as brick and cinder block . There are companies that specialize in concrete skirting but you can purchase precast concrete panels , too . There ’ s a little misunderstanding surrounding cinder block and brick skirting and ‘ permanent foundations ’ for mobile and manufactured homes . FHA loans require that all manufactured homes be permanently installed but that has little to do with the skirting material . A manufactured home can be permanently installed and have vinyl skirting . Permanent installation is all about the tie - downs and foundation , not the skirting . Metal Skirting Metal can be steel or tin . Both are great products that are affordable . Simple installation is an added advantage . A simple 2 ″ x4 ″ frame with the panels attached by screws or nails ( rust free only ) . You can also attach the top of the panel to your home via attached board ( or straight to the frame ) and then dig a channel in the ground and backfill the ditch . It ’ s quick and easy and the dirt ca n ’ t hurt it at all . These days the designs for metal mobile home skirting are getting more attractive , too . The old cinder block or large brick stamped pattern has been the most popular design but with a little research , you can find new patterns . This mobile home has a stamped metal skirting made to look like brick . Metal mobile home skirting can be easily painted . Metal can withstand a weed eater which is always a plus . The price for metal skirting is around $ 10 - 15 per 5 - foot panel . Foam Insulated Skirting Insulated mobile home skirting has made headlines lately but it may not be the best place to spend your money . The NREL tested mobile home energy conservation techniques and found that installing new insulated skirting to a mobile home increased 7 % while blowing insulation under the home increased it by 11 % . Adding wall insulation increased efficiency best , at 13 % . Therefore , you may be better off spending the money on insulating the floor of the home , not the skirting . Foam skirting can be used along with frame but some brands state they do n ’ t need a frame . You can get complete framing solutions that act like frames but have channels to put the foams into . Most suppliers recommend this . The price of the panels is approximately $ 10 - 15 per foot . The installation kits depend on the linear foot needed . You can learn about the installation process of insulated skirting here Plywood , OSB , and T - 111 Skirting Wood has always been a well - known construction material . Using wood for skirting is n ’ t the best option unless it ’ s treated and your property is n ’ t overly wet . Wood is susceptible to rot and insects and soaks water up quickly . Hardiboard and OSB are very sturdy . OSB is cut with the trees grain and the engineered together to make a very strong product . Wood products that are not waterproof are going to get swelling from moisture . Price depends on what you chose and installation can be simple or complicated . Some people suggest that you use a sealer and caulk the ends of the boards before putting them up just as an added precaution against moisture . You can use planks and get the look of siding , too . Lots of potential with wood ! Use barn tin as skirting . Other Skirting Options The sky is the limit when it comes to skirting materials for mobile homes . Of course , the materials listed above is probably your best bet you can save money by thinking out of the box . Perhaps you could reuse material or keep construction scraps out of the landfill . For example , a damaged metal roof panel could become a nice access panel for your skirting . Old barn tin has already stood the test of time and it ’ s gorgeous . One of our featured homes has antique barn tin as a skirting and it is gorgeous ! Railroad ties and straw are two unique mobile home siding options we ’ ve seen . Corrugated fiberglass has been used for mobile home skirting for years . There ’ s a nice white you can buy and with the proper framing , it would last for years . Really , you could use just about anything that is weather resistant and rigid . Keep flame retardancy in mind before you decide to use a unique material . Conclusion Mobile home skirting is vital to a healthy home . In fact , it ’ s mandatory in many areas of the nation . New skirting can completely change the look of your home and save on heating and cooling costs for years . Thanks so much for reading Mobile Home Living ’ s Ultimate Guide to Mobile Home Skirting ! Photo Sources : Faux Panels , Reil Rock ← Previous Post Next Post → About The Author Crystal Adkins Hello ! I ' m Crystal and I created Mobile Home Living ® in 2011 . I hope Mobile Home Living is an inspiring and informative resource for you . Please consider letting me feature your mobile home remodels , DIY projects , and makeovers . There are n ' t enough resources for us mobile home owners online and I want to change that ! Thank you !	[ "Mobile Home", "skirting" ]
http://mobilenmobile.com/v-samsung-mobile-pakistan-2-1	FREE Delivery PAY On Delivery LOW PRICE Guaranteed 99.99 % Samsung Galaxy A7 2017 ( A720 ) Peach Cloud Rs . 37749 Samsung Galaxy S8 Plus Single Sim 64GB 4G LTE Rs . 71099 Samsung Galaxy S9 plus Single Sim 64 GB 6 GB RAM Rs . 89099 Samsung Galaxy A6 - 5.6 Inch Hd+ Display - 4Gb Ram - 64Gb Rom - Face Recognition - Blue Rs . 30399 Samsung Galaxy S9 Plus 128GB Black Rs . 90099 Samsung Galaxy A5 ( 2017 ) Gold Rs . 33499 Samsung Galaxy A5 ( 2017 ) Black Rs . 33499 Samsung Galaxy A5 ( 2017 ) Peash Home SMS Service Mobile prices Tablet PC prices Search Contact us Send mobile as gift to pakistan Search ( By Price ) Feedback Corporate Sales Home Samsung Prices in Pakistan Manufacturers Nokia Samsung Sony Apple BlackBerry HTC China Mobiles Mobile Accessories LG Motorola HP Tablet PC QMobile Android Mobiles Huawei American Mobiles OPPO Cordless Phones Lenovo Microsoft Haier Asus Infinix ALCATEL Xiaomi Vivo MEIZU One Plus OALE OBI iTel Commando ORDER NOW ( CALL US ) 0300 - 2451460 0300 - 2823454 Timing : 02PM - 10PM ( Mon to Sat ) Top in Samsung Samsung Galaxy A7 2017 ( A720 ) Peach Cloud Samsung Galaxy S8 Plus Single Sim 64GB 4G LTE Samsung Galaxy S9 plus Single Sim 64 GB 6 GB RAM Samsung Galaxy A6 - 5.6 Inch Hd+ Display - 4Gb Ram - 64Gb Rom - Face Recognition - Blue Samsung Galaxy J3 pro 2 GB RAM 16 GB ROM Dual Sim Gold 3119 ( 2016 ) Samsung Galaxy Note 9 - 6.4 Inch - 6GB RAM - 128GB ROM - Dual SIM - Midnight Black Warranty New in Samsung Samsung Galaxy A7 ( 2018 ) 6 Inch 128 GB ROM 4GB RAM Dual SIM Black RS . 44099 New in Samsung Samsung Galaxy M20 6.3 Inch 3 GB RAM 32 GB ROM Dual Sim Blue RS . 30499 Samsung Galaxy M20 6.3 Inch 3 GB RAM 32 GB ROM Dual Sim Black RS . 30499 Samsung Galaxy S10 Plus 6.4 Inch 8 GB RAM 128 GB ROM Dual Sim RS . 146099 Samsung Galaxy S10 6.1 Inch 8 GB RAM 128 GB ROM Dual Sim RS . 125599 Samsung Galaxy M10 6.22 Inch 32 GB ROM 3 GB RAM Dual Sim RS . 23899 Islamabad \| Karachi \| Lahore Peshawar Rawalpindi	[ "Samsung mobile phones", "Price", "Pakistan" ]
http://mobileoffice.about.com/od/businesstravelersadvice/ht/avoid-data-roaming-charges.htm	Do More Web & Search How to Avoid Data Roaming Charges Klaus Vedfelt / Getty Images by Melanie Pinola Updated September 06 , 2018 137 Making calls or using data services outside of your cellular provider ' s coverage area can get very expensive . Smartphone users have to be especially careful when traveling : automatic data syncing and third - party apps running in the background can rack up enormous data roaming fees . Follow the steps below to prevent this from happening to you . Roaming Fees Be aware that data roaming fees can apply even if you are traveling domestically . If you ' re not leaving the country , you may think you ' re in the clear regarding roaming charges . However , you can still be charged roaming fees in some instances ; for example , US providers may charge roaming fees if you go to Alaska and they do n ' t have cell towers there . Another example : cruise ships use their own cellular antennas , so you may be charged by your cell provider as much as $ 5 per minute for any voice / data usage while onboard a cruise ship . Call Your Provider Contacting your service provider or researching their roaming policies online is essential because fees and policies vary by carrier . You also want to confirm before you travel that your phone will work at your end destination and that your plan has the appropriate features for international roaming , if applicable . For example , because T - Mobile uses the GSM technology prevalent in most countries , your cell phone will work overseas . However , you need to contact T - Mobile to have the international roaming add - on ( which is free on their service ) activated . Data Usage Numbers Now that you have the roaming rates and details from your service provider , consider your voice and data usage needs for this trip . Do you need to be able to make and receive calls ? Do you need real - time GPS , internet access , or other data services on your device ? Will you have access to Wi - Fi hotspots or Internet cafes and therefore can use wi - fi on your device instead of using the cellular data service ? How you proceed depends on how you will be using your device on your trip . If you want to be able to make and receive phone calls , but do n ' t need data services on your trip , turn off " data roaming " and " data synchronization " on your device . These options will most likely be found in your general device or connection settings . On an Android smartphone , the data roaming feature is found under Settings > Wireless Controls > Mobile Networks Data Roaming . The data sync setting is under Settings > Google Sync Background Data Auto - Sync ( this tells the phone to automatically sync your calendar , contacts , and email ; it ' s on by default ) . Your menus will likely be similar . Turn Off Sync Keep in mind that even if you turn off data roaming and data sync , third - party apps can still turn these back on . Therefore , you need to be sure you do n ' t have any apps installed that will override your data roaming settings . If all you want to do is make / receive phone calls and you ' re not absolutely sure you do n ' t have any apps that would turn data roaming back on , consider leaving your phone at home ( turned off ) and renting a cell phone just for your trip or renting a different SIM card for your cell phone . Alternately , if you wo n ' t be making outgoing calls but just want to be reachable , follow the step below to have access to voicemail over wi - fi . Airplane Mode Put your phone in Airplane Mode if you just want wi - fi access . Airplane Mode turns off the cellular and data radio , but on most devices , you can leave wi - fi on . So , if you ' ll have wireless Internet access ( e.g. , in your hotel or perhaps a free Wi - Fi hotspot like a coffee shop ) , you can still go online with your device and avoid the data roaming charges . Virtual phone features found in VoIP software / services and web apps like Google Voice can be a godsend in this instance . They allow you to have a phone number that can be forwarded to voicemail and sent to you as a sound file via email - - which you can check via your wi - fi access . Turn Roaming On If you do need cellular data access ( e.g. , for GPS or Internet access outside of Wi - Fi hotspots ) , turn data roaming on only when you use it . You can put your device in Airplane Mode , as above , and then when you need to download data put your phone back to its default data - capable mode . Remember to turn Airplane Mode back on afterward . Monitor Your Usage Monitor your mobile data usage with an app or special dial - in number . Several smartphone apps for Android , iPhone , and BlackBerry can track your data usage ( some also track your voice and texts ) . Learn how to monitor your mobile data usage Tips You can also ask your carrier to unlock your phone ( they may charge a fee for this and it may take a while to take effect ) ; this will allow you to buy pre - paid cellular service from a local carrier at your trip destination and insert their SIM card into your cell phone . Note : this will only work with phones that use SIM cards ; in the US , this is mostly GSM phones carried by AT&T and T - Mobile ; some CDMA phones , like certain BlackBerry models , from carriers such as Sprint and Verizon , have SIM cards , however . You ' ll need to ask your provider about this capability . Before your trip , reset the data usage meter in your smartphone ' s settings to zero so you can monitor how much data you are using . This data usage meter should also be under device settings . Wi - fi access may not be free at your hotel , cruise ship , or other location . Wi - fi usage charges , however , are usually less than cell phone data roaming fees . You might also consider prepaid international mobile broadband Continue Reading	[ "Data Roaming Charges" ]
http://mobility.costco.ca/phones-and-smartphones/901-samsung-galaxy-note9/	Home Phones Samsung Galaxy Note9 Samsung Galaxy Note9 by Samsung Galaxy Note has always put powerful technology in the hands of those who demand more Now the all new Galaxy Note9 surpasses even these high expectations focusing on what matters most in todays alwayson mobile world Introducing a powerful all day battery that goes the distance on a single charge keeping pace with your life Store more Delete less With the power of 128 GB storage built in expandable up to 512 GB more youll have room for what matters The all new S Pen now boasts powerful Bluetooth technology letting you press a button to take control of your camera presentations and apps without touching your phone Drawing taking notes and sending Live Messages with the S Pen is as intuitive and natural as pen and paper thanks to the fine tip and 4096 pressure levels New revolutionary features make brilliant shots effortless The Galaxy Note9 intelligently recognizes what youre looking at optimizing colour settings like contrast white balance exposure and more By detecting blinks and blurs you can reshoot while the moments right Available colours i 19 99 i 19 99 i 19 99 i 47 99 Offers and prices listed are only applicable on new 2 year activations on select plans These offers exclude upgrades and renewals Some conditions may apply Visit the wireless phone kiosk at your local Costco for more details Get it for business Find a warehouse Prices are in Canadian dollars based on location in Ontario Change location Costco Member Benefits Bonus minutes on selected plans Bonus Car Charger on every phone purchase Bonus Costco Cash Card on selected phones and plans Specifications Display 64 2960 x 1440 pixels 516 ppi Quad HD Super AMOLED Capacitive touchscreen Whats inside Android 81 Oreo Octacore Processor 28 GHz quadcore 17 GHz quadcore 128 GB internal memory 6 GB RAM External memory up to 512 GB microSD NanoSIM Card Battery 4000 mAh Wireless charging Quick Charge 20 Camera Video Dual 12 MP autofocus camera with OIS ƒ15 and ƒ24 Video recording 4K 2160p60fps 1080p240fps 720p960fps 80 MP frontfacing camera with autofocus and ƒ17 aperture Design 201 grams 162 x 76 x 09 cm Network Connectivity LTEHSPA GSM 85090018001900 Download speeds up to 1 Gbps LTE Cat 16 Bluetooth GPS WiFi Mobile Hotspot NFC Other S Pen stylus IP68 certified dustresistant water resistant up to approx 15 meters for 30 mins Fingerprint scanner Iris scanner SAR Value 101 Wkg Costco Member Benefits Buying a phone at the Wireless phones kiosk in Costco has its advantages All Costco members are eligible for exclusive member benefits Bonus minutes on selected Rogers and Bell Plans Plus Bonus Car Charger with every purchase Plus Costco Cash Card on select phones and plans Only for Costco members See all Costco Member benefits	[ "Samsung Galaxy Note9", "powerful technology", "revolutionary features" ]
http://moblivious.com/tips-tricks/import-iphone-photos-videos-to-windows-7-pc/	The simplest and quickest way to import iPhone photos / videos to your Windows PC Many iPhone / PC users ( as opposed to iPhone / Mac users ) are not sure how to transfer / import / download / save their iPhone photos / videos to the PC . Worst , they think they need something like iTunes to do this supposedly simple thing . Well , it turns out that it is indeed quite simple as simple as saying ‘ Plug and Play ’ . In fact , I like the way Windows deals with this issue compared to Mac OSX . In Windows , the iPhone ( and presumably other iDevices ) is considered one of USB devices , hence it ’ s treated like it ! The only limitation is that Windows is only allowed to ‘ see ’ the Camera Roll folder ! You do n ’ t have access to other ‘ internal ’ folders of the iDevices , presumably this is for our own protection , though others ( read : non - iPhone users ) would scream ‘ Freedoommm ! ’ – or the lack of it that is . So , since the iPhone is treated as a USB device , you can practically plug the USB cable from your iPhone to your PC and you are ready to transfer your photos / videos . Be aware that while you can easily download your photos from iDevices to your desktop , the reverse is not true ! You can NOT just drag and drop photos to the iPhone . So if you want to transfer photos / videos from your desktop back to iDevices please read my tips here In this post I want to show you 2 ways of importing the photos / videos one is the simplest one and the other is the quickest Note that both techniques require a physical connection between your iDevice and the PC via the USB Cable . Each of them has its own pros and cons . You may choose which ever you see fit to your situation . You can in fact use both depending on the need . Now let ’ s have a look at the simplest one first . The Simplest This is easy : 1 . Plug the USB cable from the iDevice to the PC . 2 . In Windows , open My Computer 3 . You should have the name of your iDevice under Portable Devices 4 . Double click on the iDevice icon . You should see the Internal Storage icon with descriptions underneath showing the total capacity of your iDevice storage and how much from that is free 5 . Double click on the Internal Storage icon . You should see the DCIM folder . This is the Camera Roll folder and as I said before this is the only folder you are able to see . 6 . Double click on the DCIM icon . Now , you might see different view here , but basically you should see a bunch of folders with seemingly random name . Do n ’ t ask me what they means , it ’ s something to do with maintaining the image name unique . As you can see in my screenshot , I only have to folders , that ’ s because I just refreshed my iPhone and practically started over . But if you ’ ve had your iDevice for long you might see even more weird name folders . 7 . Anyway , if you look inside each of this folder you should find your photos and videos . And from here you can just copy them to your local hard - drive . You can also delete them . What you can not do is to copy photos from your local hard - drive to the iDevice . You can only transfer out not in . 11 . Unfortunately , and this is the drawback , there is no indication into which folder your particular photos would reside . Even looking at the Date Stamp would n ’ t help as they all seem to be stamped on the same day . Consequently , if you want to copy the last photos you just took you will need to hunt them down by opening the folder ONE BY ONE ! Crazy huh ! Well fortunately there is one small trick you can do to give your sanity back ! On the DCIM folder , simply put an asterix , that is the ‘ * ’ symbol on the search box at the top right corner of the file explorer . This will basically show all files under all subfolders on the same page . Sanity back … done ! Unfortunately , you still ca n ’ t copy the files in batch , in fact you have to resort to Copy and Paste the photo ‘ one at the time ‘ because you ca n ’ t do drag and drop ! So while your sanity is back , your patience might be tested . Update : I found a workaround to at least to batch download images on the same folders ( thanks for our readers who had pointed me out on this tips in the comment ) . So when you get all files shown on Explorer using the ‘ * ’ trick , search for one of the image you wanted to download . Let ’ s say you found one . Right click on the images and choose ‘ Open File Location ‘ from the menu . This will open the folder where the image is located . From here you can do the usual Batch Drag and Drop with no problem . Phew ! We found our sanity back AND our patience has been paid off ! You might argue that this is not simple at all , but after trying other ways of transferring photos , I decided that this is the simplest and most straight - forward of all . But maybe after learning the quickest technique I describe below , you might choose differently . The Quickest The quickest way of transferring photos / videos from your iDevices to your PC is by using the Import Pictures and Videos feature of Windows . This functionality comes with every Windows OS as a standard . Why is it the quickest , because once you set it up , the process is almost automatic ! 1 . Plug the USB cable from the iDevice to the PC . 2 . If you are lucky , Windows would recognise the device and run the AutoPlay function . This functionality would normally run any time any external peripheral is attached to the PC . This peripheral could be a CD / DVD , an External Hard - drive , or an iPhone or iPad . After doing some searching the AutoPlay should run the Import Pictures and Videos automatically , but if you just ca n ’ t wait for it , you are free to just select it from the list in the dialog box . 3 . If you are not that lucky , and you do n ’ t get the AutoPlay dialog box appears , it might be because your Windows settings have changed or you might ’ ve installed some other third - party app and it ’ s overriding the default settings . 4 . To see whether your Windows settings are correct , open the Windows Start Menu and select the Control Panel menu item . This will open the Control Panel window . On the Search Bar type in ‘ AutoPlay ’ . This will show all settings menu that has anything to do with AutoPlay . Click on ‘ AutoPlay ’ from the list . This will open the AutoPlay Settings page . AutoPlay in Control Panel Scroll down until you see settings for Apple iPhone and Apple iPad . The setting for each of these items should read ‘ Import pictures and videos using Windows ‘ . Autoplay Setting For iPhone / iPad If not , drop down the combo - box for each of them and change the setting . If they have already the correct setting then that means some other application is overriding it . Do n ’ t worry about this as we can still do it manually . 5 . Just like the first method , observe that your iDevice name will appear in My Computer . Instead of double - clicking it do a Right Click . This will give you the contect menu , and one of the menu item is , yes you guess it , the Import Pictures and Videos ! Select this item . 6 . The Import Pictures and Videos will be run as soon as you select the menu item . It does n ’ t look very much at a first glance I must say . It ’ s just a small dialog box with a Cancel button on it . But notice that it also have a link to ‘ Import Settings ‘ . Click on this quickly ! Import Pictures And Videos 7 . The Import Settings window should open now . This contains some important settings with which you can configure how the functionality should work . Some notable settings are as follows : Import images to and Import videos to settings . Here you can choose where your photos and videos will be transferred to . Folder Name and File Name are to configure how you would want Windows to name the target folder and image file name . Have a look at the options available and set them to the one you want . Other options are self - explanatory . Import Settings – FileName Import Settings – FolderName When you are satisfied with your choice , click on OK to confirm 8 . The Import Pictures and Video will restart and begin to look for any new photos or videos to transfer . 9 . At the end of the transfer , the dilogl close itself . Then you can check the newly transferred photos / videos on the path you configured previously on the setting . 10 . Note that Windows ‘ remembers ’ which photos / videos that it has already transferred , so the next time you run the function again it will only transfer the new one . But in any event where you want to re - download everything all over again , you can do this by deleting the following file : C : \ Users - > [ username ] - > AppData - > Local - > Microsoft - > Photo Acquisition - > PreviouslyAcquired . db Then when you plug your iDevice , it will download all photos and videos as if it never download them before . Done ! What if you ca n ’ t see AppData folder ? Since AppData is considered a ‘ system ’ folder , Microsoft hides it by default . You need to ‘ unhide ‘ it . Here is how : 1 . Open Windows Explorer . 2 . Select the Organize on the menu bar to open the menu selection . 3 . Choose the Folder and search options menu item . 4 . In the Folder Options screen select the View tab and then select ‘ Show hidden filed , folderd and drives ‘ item under ‘ Hidden files and folder ‘ branch . 5 . Click OK . 6 . You should be able to see the AppData now . Open Organize Menu – Select Folder Options Turn On – Show hidden files , folder Bonus : Third - Party Apps If you , like so many others , never use or hate using the notorious Apple iTunes , there is another way and that is to use third - party apps . Many software makers had recognised that iTunes was just too hard to use and rose to the challenge to develop an alternative app to iTunes and create a better experience to the uses . Here are some third - party apps that you might want to have a look and try : Wondershare TunesGo Retro Wondershare is a Chinese software company that has about 50 odds apps actively developed and sold . One of these software is called TunesGo Retro TunesGo allows you to access your iPhone data without using the notoriously bloated iTunes . These include your Songs , Photos and Videos , Contacts and SMS For Photos , you can get access to all photos in the all the folders you have in your iPhone . You can select any of these folders and download ( export ) the photos in it to your PC ( or Mac ) in a batch or individually . By the way , as you can see in the following screenshot , downloading photos is not the only thing that TunesGo is good at . TunesGo Retro is Free to try . There is a version for PC and for Mac . If you decided to keep it , the license costs $ 19.95 per year , or $ 39.95 for a lifetime ( for 1 user ) . Final Thought For day to day backup , I prefer the second technique because once I set it up I do n ’ t need to touch it again . As soon as I run the Import Photos / Videos it will transfer all my new photos and videos to my PC without my intervention . Hence I dubbed it the Quickest method . As for the first method , I use it from time to time to transfer individual photo / video , especially one that has already been transferred previously . I also use this method to easily see all photos / videos I have on my iPhone and subsequently pick and choose which ones I could delete . I find the deleting photos / videos , especially lots of them are easily done using the Windows Explorer , as opposed to in the iPhone ’ s Camera Roll . If you have any other method you usually do to transfer your photos to your PC please do n ’ t hesitate to share it here . I ’ ll be happy to add it to the post ! [ / fusion_builder_column ] [ / fusion_builder_row ] [ / fusion_builder_container ] Want to take cooler pics with your phone ? Use Olloclip ' s 4 - in - 1 lens to take your mobile photography to the next level with macro , fisheye , and wide - angle lenses . By \| \| Tips and Tricks 178 Comments About the Author : Chris Prakoso is a Tech Blogger and an avid Mobile Photographer	[ "iPhone", "Windows PC", "Moblivious" ]
http://mocofb.com/board/9/general-football-discussion	Create Thread General Football Discussion Prev 1 2 3 4 5 37 Subject Created By Replies Last Post 2018 AllMoCoFootball nomad 0 31 by nomad 14 minutes ago Coaching Carousel 2019 Pages 1 2 3 4 5 6 7 moco238 104 10004 by h2o 15 minutes ago The Firing of Coach Fred Kim coachnesmith 2 227 by hambonepack 4 hours ago Its time to be proactive about the future of football in MD Pages 1 2 eaglesinsider 18 1529 by eaglesinsider 10 hours ago Head Coaches Thread Pages 1 2 3 4 5 6 amateragi 77 12632 by oldtimemoco 12 hours ago No AllMoCoFB photo shoot this year nomad 3 312 by h2o 14 hours ago Class of 2019 College RecruitingOffers Pages 1 2 3 4 5 6 17 statechamp1986 242 41641 by nomad yesterday at 509am AllMet Selections Pages 1 2 3 4 mocofan 47 3818 by fredcofootball Jan 2 2019 at 252pm Happy New Year mocofan 3 394 by karz19 Jan 2 2019 at 1207pm QO named to the 14th Annual MaxPreps Tour of Champions nomad 6 423 by rustpicker Jan 2 2019 at 813am Rising Seniors to Watch Pages 1 2 bigdawgs 26 1701 by coachtran Jan 2 2019 at 553am 2018 ALLUSA Maryland Football Team Pages 1 2 3 4 5 nomad 68 2850 by bulldog1 Jan 1 2019 at 250pm Coach Kim and Seneca mdbubba 2 848 by rustpicker Dec 26 2018 at 950am E6 predictions Pages 1 2 alewis301 25 1798 by h2o Dec 25 2018 at 1238pm The new crown hs maddengoat 9 684 by mikewalls Dec 25 2018 at 1001am Underrated players in MoCo Pages 1 2 3 millerlite8389 34 3312 by whodattboy Dec 22 2018 at 912pm Let The Debates Begin Pages 1 2 3 4 5 dcsteeler27 63 3546 by whodattboy Dec 22 2018 at 908pm Fred Kim formerly of SV Shameful coachwest1914 4 889 by nomad Dec 21 2018 at 1228pm Politics as usual coachwest1914 12 1143 by bigfred Dec 21 2018 at 1131am QO 2018 or Damascus 2015 Pages 1 2 87club 18 999 by svfan89 Dec 20 2018 at 544pm 2018 Coaches 3A2A AllLeague Team Pages 1 2 3 nomad 33 3478 by whodattboy Dec 20 2018 at 239pm Early Signing Day nomad 8 584 by nomad Dec 20 2018 at 824am 2018 Coaches 4A AllLeague Team Pages 1 2 3 4 5 nomad 72 5025 by oldtimemoco Dec 20 2018 at 326am Will churchill be as good next year Pages 1 2 3 4 5 6 7 8 maddengoat 117 4476 by mocofan Dec 19 2018 at 312pm Coach Lomax Needs Our Help karz19 5 914 by verifiedslugger Dec 18 2018 at 949am DivisionsOpponents 20192020 Pages 1 2 3 mocofan 42 3491 by shonuff07 Dec 17 2018 at 1241pm New Classification Proposal Released Pages 1 2 3 4 5 6 7 8 9 mocofan 133 7937 by Clarksburg_Coyotes Dec 15 2018 at 1151am Dematha HC the21kid 1 462 by nomad Dec 12 2018 at 734am 2018 MOCO Top Five COY rustpicker 6 602 by karz19 Dec 11 2018 at 1218pm Bryan Bresee Marylands 2018 Gatorade Player of the Year Pages 1 2 3 nomad 35 2506 by skins21 Dec 11 2018 at 824am Legend Thread Announcement Sticky new New Poll Board Information Statistics General Football Discussion Talk about anything MOCO FOOTBALL related here records numbers etc Threads and Posts Total Threads 1082 Total Posts 30584 This board has 3 moderators On This Board You can not create threads You can not reply to threads You can not create polls	[ "Football Discussion" ]
http://mocomi.com/why-is-it-so-hot-near-the-equator/	You Are Here : Home Learn Geography Geography Learn Your browser does not currently recognize any of the video formats available . Click here to visit our frequently asked questions about HTML5 video . Why is it so Hot Near the Equator ? Geography \| 8 - 14 yrs \| Animation , Video 3 Countries , towns and cities located around the equator experience hot weather throughout the year . It is because the sun remains almost directly overhead everyday . Countries that are further North or South of the equator experience a change in seasons , when hot weather follows cold weather . This happens because the Earth circles around the sun on a tilted axis . So places with seasons spend some of the year nearer to the sun and some of the year further away from it . Living near the Equator In places near the equator the sun ’ s rays are almost directly over head thus keeping temperature high . Living in places with seasons Countries like United Kingdom and Korea , which are further North and South from the equator experience a change of four seasons . Living far from the Equator In Antarctic , the sun ’ s rays strike the Earth at a very low angle and this is why the climate here is so icy cold . The ice makes this region even colder by reflecting the sun ’ s light and heat back into space . Project - Why is it better to launch a space craft from near the equator ? What is the exact length of the equator ? Places on the Equator experience the quickest rates of sunrise and sunset in the world . True or False ? For more interesting Geography articles and videos , visit : https : / / mocomi . com / learn / geography / RELATED ARTICLES Where Do We Get Coal From ? Where Do We Get Oil From ? What are Glaciers ? Measuring the Size of Earth The Earth ’ s Atmosphere What is a Lunar Eclipse ? Moon Phases ( Phases of Moon ) Solar Flares Arctic Circle Facts What are Hot Springs Eclipse Fun Facts What is a Tornado ? Where Do We Get Coal From ? Where Do We Get Oil From ? What are Glaciers ? Measuring the Size of Earth The Earth ’ s Atmosphere What is a Lunar Eclipse ? Moon Phases ( Phases of Moon ) Solar Flares Arctic Circle Facts What are Hot Springs Eclipse Fun Facts What is a Tornado ?	[ "Hot", "Equator", "Geography" ]
http://mocreatures.wikia.com/wiki/Elephant	in Entity Neutral mobs Tamable mobs Elephant Elephant Health points 40 20 to 60 30 Attack strength Easy 4 Normal 5 Hard 7 Spawn See Spawning First appearances See Drops Hide 02 Experience 13 Sounds Idle Calf idle Hurt Death Entity ID elephant Source Elephants are large tamable mobs that can be given various items Mammoths are larger variants of elephants that are found in cold biomes Contents show Spawning Natural generation African and Asian elephants spawn on opaque blocks at light levels of 9 or more with a large block space above often in herds of 3 African elephants can be found in deserts and Asian elephants spawn in jungles Mammoths spawn in cold taiga ice plains ice mountains and ice spikes biomes in herds of 13 Elephants spawned using the elephant spawn egg will spawn as a mammoth Also will be calf yet it is rare to find a elephant calf sometimes Drops Elephants and mammoths drop 02 hide when killed They will also drop anything equipped such as a harness a howdah and garment Asian elephants only a mammoth platform if the mammoth was a Songhua River mammoth tusks an elephant chest and all the items in their inventory They also drop 13 experience when killed by a player or tamed wolf Behavior Elephants are neutral mobs and will attack other mobs and players when hit Elephants and mammoths wander around aimlessly avoiding cliffs high enough to cause fall damage and will attempt to stay out of water Elephants can be heard trumpeting occasionally Giving an elephant calf cake Like other baby animals elephant or mammoth calves will follow adults Calves will also attack you if provoked but they will not follow the player as often as fully grown elephants and will usually follow adults instead Elephants and mammoths are tamed by feeding them ten sugar lumps or five cakes But this only works on baby elephants If the calf is an adolescent or has grown into an adult it will no longer accept the food When the calf has accepted the food items the naming screen will appear and it will be tamed A tamed elephant or mammoth can be renamed with a book name tag or medallion After several Minecraft days the tamed elephant or mammoth will become fully grown and be able to use and wear equipment Tamed elephants and mammoths can be healed with sugar lumps bread wheat or baked potatoes Usage Although they are not very fast when it comes to speed elephants and mammoths can be quite useful nonetheless They can not fit through single or more blockwide openings due to their size however Elephants and mammoths are great when it comes to climbing up hills or mountains as they can jump high enough to clear up to four or five block heights They can also be given tusks to destroy blocks that are in their path which can be useful for mining expeditions Equipment Tamed elephants or mammoths can wear an elephant harness three kinds of tusks and an elephant chest A Songhua River mammoth can also wear a mammoth platform to carry an extra player Calves can not be equipped with anything Elephants can also wear extra items but only Asian elephants can wear them These include the elephant garment and elephant howdah They serve no purpose other than for decoration Equipment can only be removed by killing the carrier placing it in a pet amulet or with shears Upon death the elephant or mammoth will drop the worn items Riding A tamed Songhua River mammoth sitting Unlike many other rideable mobs elephants can not be given a saddle Instead the player has to equip the elephant or mammoth with an elephant harness or mammoth platform These items allow you to ride them They can only be placed on tamed adult elephants or mammoths The harness allows extra items to be added to the elephant or mammoth Only one player can go on the harness but a mammoth platform can carry two riders If you sneak near a tamed elephant or mammoth shift key by default it will sit for a short period of time You can sit on it with rightclick To dismount your elephant or mammoth press the shift key again If a whip is used on an elephant or mammoth when riding it they will gain a short speed boost and will also ram into any mobs that are in their way Storage An elephant chest can be given to an elephant or a mammoth by rightclicking on them with it and afterwards the chest can not be removed except by killing the carrier using shears or by placing the elephant or mammoth in a pet amulet Breaking blocks Tusks can be given to an elephant or mammoth so they can break blocks There are three different kinds of tusks wooden tusks iron tusks and diamond tusks Tusks can be equipped by rightclicking on the tamed adult elephant or mammoth and can be removed by rightclicking on the elephant or mammoth with a pickaxe or shears Mammoths are more effective at breaking blocks than elephants In multiplayer elephants or mammoths wearing tusks will not destroy blocks This is to prevent griefing Variations The four natural types of elephants and mammoths Elephants and mammoths will typically spawn using one of four different skins Skins include grey African elephant dark grey Asian elephant brown fur woolly mammoth and grey skin with black fur Songhua River mammoth The biome determines the skin used Snowy biomes will have 100 greyblack fur or brown fur Other biomes will have 100 grey skin or dark grey skin History Version v800 DEVa Improved elephant animations v507 Fixed bug when shearing elephants v504 Elephants drop inventory contents and bags on death v503 Mammoths no longer spawn on deserts and instead spawn on arctic biomes v451 Made elephants grow slower Adjusted fall damage for elephants Elephants now retaliate when attacked Reduced frequency of elephant spawns in deserts v450 Added elephants Trivia Elephants and mammoths are the largest mobs in Mo Creatures though mother and tier 2 wyverns can grow larger than Asian and African elephants It is easier and more recommended to tame elephant calves with sugar lumps as cakes are more expensive to craft In real life elephants cant jump despite being able to do so ingame Gallery Entities Categories Entity Neutral mobs Tamable mobs Recent Wiki Activity Chimpanzee AnonymousSorcerer 3 days ago Essence of Light A FANDOM user December 23 2018 Elephant AnonymousSorcerer December 15 2018 Kitty AnonymousSorcerer December 15 2018 Help us grow Mo Creatures Wiki Get Started	[ "Elephant" ]
http://models.com/help/005-what_are_requirements.html	Help It is n ’ t rocket science . ( But it ’ s pretty close ) . Artists / Models FAQ Learn how the Models . com database works , how to get a database page , how to upload work and more . Aspiring Model FAQ Answers your questions about becoming a model , using our portfolio section , avoiding scammers and more . Agency FAQ Learn how to sign up for listing on Models . com , manage your artists ’ pages and more . Publication & Brands FAQ How to become a listed client on models . com , how to manage your database page and more . Have a question not found in our FAQ sections ? Contact Us About Models . com Masthead Contributors Privacy statement Copyright Models . com Terms of Services	[ "rocket science", "database works", "scammers" ]
http://modernfarmer.com/2016/03/cornish-hen/	The Cornish Game Hen Is a Tiny Liar By Dan Nosowitz on March 16 , 2016 Share 344 Tweet 1 Pin 10 Reddit 20 Email WhatsApp 375 Charles Kremenak , Flickr The Cornish game hen has a reputation as a sort of 1970s exotic dinner : foreign but familiar , weirdly sized , kind of expensive , not particularly cool at the moment . From the way the Cornish game hen is named and marketed , you might be forgiven for jumping to a few conclusions . You might see the word “ game ” and assume this is a game bird , like a pheasant or a guinea hen . This would be wrong . You might see the word “ hen ” and assume this is a female bird . This has a 50 percent chance of being wrong . In fact the only part of the bird ’ s name that is n ’ t a complete lie is the word The Cornish game hen was first bred , according to legend , by Tea Makowsky , who fled the Nazis and settled in Connecticut . ( An SF Gate obituary provides some more biographical information about her . ) After a fire destroyed her farm in 1949 , Makowsky began cross - breeding chickens to try to come up with a bird that matures quickly , with a special eye towards the breast meat . What she came up with was a combination of the Cornish chicken — at the time the most popular breed in the world for broiler ( read : regular ) chickens — as well as a couple of other breeds like the White Plymouth Rock hen and the Malayn fighting cock . ( Sometimes a bird like this is called a “ Rock Cornish game hen . ” ) These combinations gave her a chicken that grew gigantic breasts extremely quickly . In less than five weeks , the chicken was ready to be slaughtered , and , exotically , By the 1950s , the Cornish game hen was fabulously popular . The USDA currently has a very minimal definition of the Cornish game hen ; any chicken between one and two pounds in weight , slaughtered at fewer than five weeks of age , and of either sex can be labeled as a Cornish game hen . Because of the murky breeding history of the Cornish chicken breed , the USDA threw out any requirements that a chicken labeled “ Cornish game hen ” actually have Cornish chicken heritage . That said , because the Cornish chicken remains such a popular breed , and because it ’ s likely that most chickens in this country have some Cornish heritage The Cornish game hen still commands a higher price per pound than regular broiler or fryer chickens , partly due no doubt to its decades - old reputation as an exotic new fowl . It is not exotic or new . The Cornish game hen is a lie . It is a small chicken . Share 344 Tweet 1 Pin 10 Reddit 20 Email WhatsApp 375	[ "the Cornish game" ]
http://modernsurvivalblog.com/preps/food-storage-101-what-to-store/	Food Storage 101 : What To Store by Ken Jorgustin \| Updated Apr 28 , 2014 \| preps 55 comments WHAT FOOD SHOULD I STORE ? The first real tip here for ‘ Food Storage 101 ’ is this : Store what you will eat ! You can spend lots of time analyzing calories , nutritional content , and other factors , but I think the bottom line here is if you store what you eat on a daily basis , I think you ’ ll be just fine . Here are more basic tips to get started with food storage : ( UPDATED ) Note : When I said “ you ’ ll be just fine ” regarding simply storing more foods that you already eat , let me emphasize that this philosophy will get you through all short term emergency situations , most medium term disasters , but will probably come up short in the event of a complete long - term collapse ( but that ’ s not ‘ Food Storage 101 ’ ) 😉 Storing what you regularly eat will also help with adequate rotation of your food storage If you store foods you ’ re not eating , they will just sit there and not be rotated . Start with a look at what you currently have in your pantry & cupboards and expand on that first . If you have the room , I recommend you keep a ‘ working ’ pantry that you will use on a daily basis for your meals . Your working pantry should be in or near your kitchen . It can simply be some well stocked cupboards , a closet or an actual pantry ( small ancillary room to the kitchen ) . In a separate place you should keep your ‘ food storage ’ . This is where you will take from to restock your pantry . Again , depending on your space , this can be in a basement , garage , spare bedroom closet etc . ( Be aware of the four things that affect food storage ) . There are several reasons for having a separate storage — Ever hear the saying “ do n ’ t put all of your eggs in one basket ” ? After all , in a true SHTF scenario , better to have some of your food compromised , than all of your food ! CANNED FOODS As a general rule , canned foods make an excellent food storage item . Typically , most canned foods have a shelf life of several years , some even longer . For more information on canned food shelf life and Use - by Sell - by dates , read this Canned foods come in many varieties such as vegetables , meats , soups , fruits – to name a few . Most canned foods in an emergency situation will not require that you heat or cook them before eating them . This is ( could be ) important ! ! They may not taste as good cold , but they will sustain you . Canned foods are already processed adequately for safely such as heat treated – so they are perfectly safe to eat cold . They often go on sale too , so take advantage of great sale opportunities and stock up quickly . BULK FOODS Another choice for food storage are bulk foods . Generally they are more cost effective because you are buying them in bulk quantities . Many of the foods that you can buy in bulk are items such as rice , grains and beans . If you are not familiar with cooking these items from ‘ scratch ’ , you will need to educate yourself now . Cooking - baking with whole grains ( making your own bread , etc . ) takes a little practice . Better to learn now . Besides , they are so much healthier for you . Buying bulk food items is taking it to the next level ( and beyond ) . Here is a food storage calculator based on recommendations from the LDS community who are very active in promoting food storage . MREs ( MEALS READY TO EAT ) While a good overall food storage plan involves variety and diversity , you might consider adding some MRE ’ s ( Meal Ready to Eat ) . One reason is you could have a nice hot meal without having to cook ( some MRE ’ s come with a disposable ‘ heater ’ packet which provides a chemical reaction sufficient to heat the food ) . Another plus is the portability of these meals . They are small and easy to store , perfect for an evacuation scenario and keeping some in your 72 - hour emergency kit . They can also be surprisingly tasty ( they ’ re better than they used to be years ago ) . One disadvantage is that they can be pricey and they are not meant for long - term consumption . SEEDS Many people forget this as a ‘ food ’ prep item . Heirloom seeds are a ‘ must ’ for every prepper in order to grow your own food . These should be stored properly and rotated every year or two . Check your packets for an expiration date . As seed packets are not expensive , it ’ s a very minimal expense to rotate these . More importantly though , you better know how to successfully grow a garden ! Practice now , because mistakes WILL happen and you ’ ll need to learn . HOW DO I KNOW IF I HAVE ENOUGH ? I do n ’ t know if you can ever really be sure if you have enough . ‘ Enough ’ is a personal opinion based on your own assessment of the risks that we face . Let me tell you that I have been a prepper for years , and still I occasionally find something to add to my food storage . As an example , I remember years ago after beginning storing food and supplies that I realized one important item that we did not have in our storage … … .COFFEE ! That ’ s right , I had absolutely no extra coffee in my stock . You better believe that the next time it went on sale , I went out and picked up a number of vacuum sealed cans to start my stock of coffee . ( A great barter item too ! A few months later , I realized that I did not have many additional spices beyond my working inventory . Coffee and spices both would add to providing a degree of comfort and zest in a survival situation . Appetite Fatigue can set in quickly – so consider diversifying your food storage with comfort foods , etc . ‘ Enough ’ depends on how many people are in your family and how long you want your food storage to last . One thing I can suggest that works for me is to ask yourself every time you take an item from your pantry , “ Do I have enough of these ? ” Many times that simple question will prompt me to add an item to my storage . Another trick that helps me is really browsing through the supermarket when I have some extra time . I ’ ll walk up and down every aisle looking at everything that is on sale . Occasionally , I come across an item and decide to add it to my stock . The key is to simply think about it . That ’ s the first step that leads to action .	[ "Food Storage 101", "CANNED FOODS", "BULK FOODS" ]
http://modernsurvivalblog.com/retreat-living/lowest-to-highest-taxes-by-state/	Lowest to Highest Taxes by State by Ken Jorgustin \| Updated Dec 8 , 2017 \| retreat - living 117 comments Wondering which U.S. State may be better to live in regarding their taxes and tax burden ? While we can not escape taxes , we can make decisions which will minimize our overall State tax burden , depending on each of our own financial situations and objectives . In this article , we will address property tax income tax , and sales tax Let ’ s say you are planning to retire , and / or move out of your State . Among the many things that you will consider in your selection process may be picking a tax friendlier region . The debt burden of many cities , counties , states , and the federal government are being stressed . There is little doubt that taxes , including State taxes will be on the increase as governments look for more revenue . Regarding the three primary sources of revenue from State taxes ( income , sales , property ) , your own personal situation and preferences will ‘ weight ’ each of these differently . For example , if you are retired or soon to retire , the income tax of a given State may be less important to you than say , the property tax of the county or town since your income may be relatively low ( retirement ) . However your property taxes will always be there and will continue to rise over time . Here are a few State tax statistics from a number of sources including RetirementLiving . com , Wikipedia , Census . gov / govs / statetax , State Government Tax Collections 2009 , and the TaxFoundation . org . How to Make Your Money Last : The Indispensable Retirement Guide State Sales Tax Except for very expensive ( or lots of ) annual purchases , State sales tax might be less important to your overall tax burden when compared to property taxes and income taxes . For example , in 1 - year you would have to purchase more than $ 40,000 of taxable products taxed at a 7 % sales tax to be equivalent to the impact of an annual $ 3,000 property tax bill . This sales tax list includes the base rate plus the maximum local surtax that may exist in that State . This surtax is typically only on certain goods and may slightly skew some State results – but I wanted to include a worst - case scenario . Your sales tax rates may be lower if you ’ re living outside of the surtaxed area or not purchasing a surtaxed product . Rates are rounded to the nearest 0.1 decimal . List of State Sales Tax including any local surtax Delaware ( 0 % ) New Hampshire ( 0 % ) Oregon ( 0 % ) Montana ( 3 % ) general sales tax = 0 % , a few surtaxes apply at 3 % Hawaii ( 4.7 % ) Maine ( 5 % ) North Dakota ( 5 % ) Virginia ( 5 % ) Wisconsin ( 5.6 % ) Arkansas ( 6 % ) Connecticut ( 6 % ) D.C. ( 6.0 % ) Idaho ( 6 % ) Kentucky ( 6 % ) Maryland ( 6 % ) Michigan ( 6 % ) South Dakota ( 6 % ) West Virginia ( 6 % ) Massachusetts ( 6.3 % ) Alaska ( 7 % ) Iowa ( 7 % ) Nebraska ( 7 % ) New Jersey ( 7 % ) Rhode Island ( 7 % ) Vermont ( 7 % ) Wyoming ( 7 % ) Florida ( 7.5 % ) Ohio ( 7.8 % ) Minnesota ( 7.8 % ) Colorado ( 8.0 % ) Georgia ( 8 % ) Pennsylvania ( 8 % ) Nevada ( 8.1 % ) North Carolina ( 8.3 % ) Texas ( 8.3 % ) Utah ( 8.4 % ) Oklahoma ( 8.5 % ) New Mexico ( 8.6 % ) Kansas ( 8.7 % ) New York ( 8.9 % ) Indiana ( 9 % ) Louisiana ( 9 % ) Mississippi ( 9 % ) South Carolina ( 9 % ) Missouri ( 9.2 % ) Washington ( 9.5 % ) Tennessee ( 9.8 % ) Alabama ( 10 % ) Arizona ( 10.6 % ) California ( 10.8 % ) Illinois ( 11.5 % ) State Personal Income Tax A total of 41 States impose income taxes . Some States base their income tax on federal returns , typically taking a percentage of your federally adjusted gross income . States with No Income Tax Alaska Florida Nevada South Dakota Texas Washington Wyoming New Hampshire ( except tax on income from interest and dividends ) Tennessee ( except tax on income from interest and dividends ) State Income Tax rates based on $ 60,000 income Unless you earn very little , or earn substantially more than $ 60K , the following State income tax rates probably fit most of the typical folks out there , and will give you an idea of where the states ranked in 2010 . Rates are rounded to the nearest 0.1 decimal , and do not include any special deductions or exemptions that may exist . State ( income tax % ) Alaska ( 0 % ) Florida ( 0 % ) Nevada ( 0 % ) New Hampshire ( 0 % ) except tax on income from interest and dividends South Dakota ( 0 % ) Tennessee ( 0 % ) except tax on income from interest and dividends Texas ( 0 % ) Washington ( 0 % ) Wyoming ( 0 % ) Illinois ( 3 % ) Pennsylvania ( 3 % ) Indiana ( 3.4 % ) North Dakota ( 3.8 % ) Michigan ( 4.4 % ) Arizona ( 4.5 % ) Colorado ( 4.6 % ) Ohio ( 4.7 % ) New Mexico ( 4.9 % ) Alabama ( 5 % ) Connecticut ( 5 % ) Maryland ( 5 % ) Mississippi ( 5 % ) Utah ( 5 % ) Massachusetts ( 5.3 % ) Oklahoma ( 5.5 % ) Kentucky ( 5.8 % ) Virginia ( 5.8 % ) Georgia ( 6 % ) Louisiana ( 6 % ) Missouri ( 6 % ) New Jersey ( 6.4 % ) Kansas ( 6.5 % ) West Virginia ( 6.5 % ) Wisconsin ( 6.8 % ) Nebraska ( 6.8 % ) Maine ( 6.9 % ) Montana ( 6.9 % ) Delaware ( 7 % ) Arkansas ( 7 % ) North Carolina ( 7 % ) South Carolina ( 7 % ) Rhode Island ( 7.8 % ) Idaho ( 7.8 % ) Minnesota ( 7.9 % ) New York ( 7.9 % ) Hawaii ( 8.3 % ) Vermont ( 8.3 % ) D.C. ( 8.5 % ) Iowa ( 9 % ) California ( 9.6 % ) Oregon ( 10.8 % ) Places Rated Almanac ( Best Places To Live ) State Property Tax The largest source of revenue for local governments are taxes on land and the buildings built on it . Property taxes are not imposed by the States , but by the tens of thousands of cities , townships , counties , school districts and other assessing jurisdictions . You can not escape property taxes in any state . But you can find significantly low rates in certain parts of the country . Having sorted through a list of home property taxes , listed by median price per county , and then averaging the property taxes of all combined counties in each state , the following list of home property taxes by State should give you a general indication . For finer detail , each individual county would need to be checked because property taxes can vary substantially based on region and the home ’ s assessed value itself . Data from 2009 ( although surely very close to what it is today ) Home Property Tax average per State State ( $ avg . per home ) Louisiana ( $ 404 ) Alabama ( $ 410 ) West Virginia ( $ 615 ) Arkansas ( $ 684 ) South Carolina ( $ 693 ) Mississippi ( $ 787 ) New Mexico ( $ 862 ) Delaware ( $ 950 ) Oklahoma ( $ 968 ) Arizona ( $ 986 ) Tennessee ( $ 1,041 ) Hawaii ( $ 1,047 ) Kentucky ( $ 1,059 ) Wyoming ( $ 1,084 ) Indiana ( $ 1,104 ) North Carolina ( $ 1,172 ) Idaho ( $ 1,213 ) Utah ( $ 1,305 ) Georgia ( $ 1,377 ) Missouri ( $ 1,443 ) Colorado ( $ 1,538 ) Florida ( $ 1,619 ) Montana ( $ 1,764 ) Ohio ( $ 1,834 ) Nevada ( $ 1,879 ) Iowa ( $ 1,934 ) Kansas ( $ 1,957 ) Maine ( $ 1,976 ) Oregon ( $ 2,045 ) D.C. ( $ 2,057 ) Michigan ( $ 2,069 ) South Dakota ( $ 2,076 ) Pennsylvania ( $ 2,092 ) Washington ( $ 2,127 ) Texas ( $ 2,141 ) Virginia ( $ 2,230 ) Minnesota ( $ 2,340 ) California ( $ 2,631 ) Maryland ( $ 2,637 ) North Dakota ( $ 2,638 ) Alaska ( $ 2,796 ) Nebraska ( $ 2,829 ) Wisconsin ( $ 3,041 ) Massachusetts ( $ 3,255 ) Illinois ( $ 3,272 ) Rhode Island ( $ 3,731 ) New York ( $ 3,736 ) Vermont ( $ 4,168 ) Connecticut ( $ 4,437 ) New Hampshire ( $ 4,618 ) New Jersey ( $ 6,348 ) UPDATE ( 2017 ) Property Taxes – Lowest to Highest by State sorted by dollars There are many factors that go into one ’ s formula to decide the best place to retire , or the best place to move to , because we each have our own individual notions of what that is . However , near the top of the list of factors or concerns should be property tax , income tax , and sales tax . Also , nearly just as important , do not forget to research the fiscal situation of the state , city , or town that you are contemplating moving to . There are many of these that are themselves on the verge of bankruptcy . They will be the first to raise your taxes Related Article : State Tax Burden State Income Tax Comparison Cities Ranked & Rated ( 2nd Edition ) : More than 400 Metropolitan Areas Evaluated	[ "U.S. State", "tax burden", "annual purchases" ]
http://modernwealthlaw.com/trust-funding/heggstad-petition-house-not-in-trust-death/	Heggstad Petition – The Solution to a House Not in Trust at Death Previous Next Heggstad Petition Are you a trustee and trying to sell your parent ’ s or spouse ’ s house after they have passed away ? Did he or she have a Trust , but the house was in his or her individual name ( not in Trust ) ? An all too common problem . Enter the Estate of Heggstad to the rescue ! The Problem : House Was Not in Trust at Time of Death Before we get to the solution , let ’ s make sure we understand the common scenarios that cause the problem . Scenario 1 : Your mom has passed away and she owned a house in Orange County . She had a Trust , but for some reason , the house was not in the Trust when she passed away . Scenario 2 : You and your husband owned a house , but upon your husband ’ s death , the house was in his name , not your Trust . Scenario 3 : You are the trustee of any Trust , in which certain real property was not in Trust at time of death . These scenarios usually happen for 1 of 2 reasons : 1 ) The attorney ( or Legal Zoom ) assisting with the estate planning failed to put the house in Trust at the time the estate plan was created ; or 2 ) The house was in Trust , but had to be taken out for refinancing and was never put back in . You will usually learn that there is a problem after you decide to sell the house . You hired a realtor , and she or the title company informs you that you ca n ’ t sell the property because your name is n ’ t on the house . They may tell you that the house must go through Probate . They are correct , Probate is an option , but often times it is not the only option , and almost always not the best option . The Solution : The Heggstad Petition What is a Heggstad Petition ? A Heggstad Petition is a petition asking the court to transfer real property ( the house ) to a Trust after death . Once the property is transferred to the Trust , you as Trustee can sell the house , or transfer it to the proper beneficiaries . The name Heggstad is derived from the seminal case on this issue . In Heggstad , the settlor declared in his Trust that the assets he listed on Schedule A were assets of the Trust . Schedule A specifically identified the house as a Trust asset . The court found that a settlor can show an intent to create a trust in his or her property by declaring himself or herself trustee of the property . Why is it better than Probate ? Two reasons : 1 ) It is faster than Probate . Probate usually takes 1 – 2 years . A Heggstad Petition takes a couple of months . 2 ) It is cheaper . There are less court costs and the attorney ’ s fees are generally cheaper as well . Requirements for a Successful Heggstad Petition The decedent must have had a Trust . Without a Trust , the house will have to go through Probate . The decedent must have had the intent to make his or her house a Trust asset . The most common way to prove the decedent ’ s intent is by showing a Schedule attached to the Trust that lists the house as an asset . Also , if the house was previously in Trust , but taken out for refinancing , this may also be evidence that the decedent intended to make the house a Trust asset . A well articulated petition . You only get one shot in Court , make it a good one . Make sure to hire an attorney that is experienced with these types of petitions and specializes in Estate Planning , Trust and Probate Law . Since Heggstad , California courts have continued to honor a settlor ’ s intention to transfer real property to the settlor ’ s trust . Most recently , in U kkestad v RBS Asset Fin . , Inc . , a California appellate court held that real property may be considered trust property without a formal deed conveyance if a two - pronged test is met : ( 1 ) The owner of the real property must be the settlor who established the trust with himself or herself as trustee , and ( 2 ) the conveyance must be in writing and describe the real property so that it can be identified with “ reasonable certainty ” in compliance with the statute of frauds . Certified Probate and Trust Specialist by the California State Bar As a Certified Probate and Trust Specialist by the California State Bar , we have the experience and knowledge necessary to assist you with transferring these properties into Trust and avoiding Probate through the use of a Heggstad Petition . We are happy to provide you a complimentary consultation to discuss these complicated issues . Please contact John Wong Orange County Certified Specialist in Estate Planning , Trust and Probate Law at Modern Wealth Law to discuss your options in more detail . By John L . Wong , Esq . \| October 12th , 2016 \| Trust Funding 0 Comments Share This Story , Choose Your Platform ! About the Author : John L . Wong , Esq . John L . Wong is a Certified Specialist in Estate Planning , Trust and Probate law by the California State Bar . He advises individuals and business owners on all aspects of estate planning , probate , trust administration and conservatorships . John also represents beneficiaries and fiduciaries in matters involving trust and probate litigation . With years of big firm experience in estate planning , John provides his clients with the tools and techniques used by the big firms at a more reasonable cost . Related Posts	[ "Heggstad Petition", "real property", "Trust asset" ]
http://mods-n-hacks.wonderhowto.com/how-to/repair-cracked-broken-circuit-board-270525/	How To Repair a cracked or broken circuit board By Robin Mansur 01 / 23 / 2009 5 : 57 pm Step by step guide to repairing circuit boards Yes , I know , my hands are shaky . I did n ' t say it in the video , but the epoxy does n ' t have to be Super Glue brand . There are several different brands of 2 part plastic bonder epoxy . Any of them will do . Of course make sure the power is removed and all capacitors are discharged . Your browser does not currently recognize any of the video formats available . Click here to visit our frequently asked questions about HTML5 video . Be the First to Comment You Login to Comment Click to share your thoughts	[ "repairing circuit boards" ]
http://modsforminecraft.com/store-and-display-your-items-with-the-biblio-mod-1-5-1/	The Biblio Mod for 1.5.1 adds new shelves , chests , and stands that can be used to showcase your item . All of these items are library themed and also serve as furniture . New Items : Bookcase : This block can be made using any type of wood . Right clicking on it with a book in hand will place that book on the shelf . Right clicking with any empty hand will bring up the GUI and let you remove a book . Armor Stand : Open the GUI by right clicking on on it . You can place any kind of armor on it . Display Case : This block allows you to display any item . To place an item in it , right click on it to open it and right click on it with an item in your hand . You can then close it . Can be made with any wood and color of wool . Potion Shelf : Right clicking the shelf with a potion will put that potion on the shelf . Right clicking without a potion OR if the shelf is full will open the GUI . Can be made with any wood . Tool Rack : Right clicking the rack with a tool in your hand will place the tool on the rack . Just right click on that item on the rack to take it off . Wooden Shelf : Right - clicking the Shelf with any item will put it on the shelf . Take the block off by right clicking on the item . Wooden Label : Shift clicking on the label with an empty hand will open the GUI . Desk : Books can be placed directly on desks . Just right click on it with a book . Right clicking the desk without a book will open the GUI . Download Biblio Mod for 1.5.1 : Biblio Mod for 1.5.1 Forge for 1.5.1 Installation : Locate your Minecraft . jar file . Open Minecraft . jar up using Winrar and delete the META - INF folder Drag the files from the forge zip file into Minecraft . jar . Run Minecraft once Drag the Biblio mod .zip into the .minecraft / mods folder . Have Fun !	[ "Biblio Mod 1.5.1", "Bookcase", "Potion Shelf" ]
http://modthesims.info/t/389891	HeterochromiaMismatched Eyes Search this Thread Replies 21 Who Viewed 25049 times peedee Test Subject Original Poster 1 4th Feb 2010 at 125 AM HeterochromiaMismatched Eyes I know this exists for Sims 2 but for the life of me I cant find anything to give my Sims 3 sims odd eyes Ive picked over numerous sites and cant locate a thing and dont know how to begin even making it myself As someone with acquired heterochromia irl it would definitely be useful If there is an oddeye mod out there Id much appreciate a link or well anything Im not asking for anyone to make it for me you folks are busy enough as it is but if it already exists and Im just awful at finding things Id really love to know about it Advertisement missy harries Forum Resident 2 4th Feb 2010 at 139 AM I dont think there is babe Im not really sure but I think it has something to do with the way the faces are UV mapped Youd need to remap it to allow for separate eyes Dont quote me on that though since Im not sure Disclaimer These are the personally personal opinions of me myself and I Yours may vary Terms conditions do not apply peedee Test Subject Original Poster 3 4th Feb 2010 at 149 AM Thank you for the very prompt reply Missy And that would definitely explain why it doesnt exist I know enough to understand what a nightmare that would be to make I was desperately hoping Sims 3 eyes wouldnt work like 2 where it just uses the same texture for both eyes But by your reply though it does which is why I havent been successful in finding any odd eye contacts Shame that vanillatoast Test Subject 4 22nd Feb 2011 at 632 AM Im pretty much looking for the same thing but havent come up with any results myself Youd think that thered be some sort of way to get the heterochromis by creating a single eye or even both as a head accessory ie two separate sets of contacts Id be willing to give up glasses andor earrings to get a pair of eyes I could customize the colors to in order to achieve heterochromis in my sims If anybody hears anything new about this please reply Ive been looking for ages Esmeralda Mad Poster 5 22nd Feb 2011 at 1235 PM Sorry to blow my own trumpet here but is this any use to you httpwwwmodthesimsinfod403048 Its categorised as glasses Also please note that if youre looking for an item you need to post under Where Can I Find httpwwwmodthesimsinfoforumdisplayphpf559 rather than here in the Modding Creation section which is for creators youll get much more of a chance of your query being seen in Where Can I Find and a moderator will probably come and lock this thread for being in the wrong section BloomsBase Sockpuppet 6 22nd Feb 2011 at 1255 PM Not sure wat you mean but sliders for the eyes are easy to make and prolly already arround Esmeralda Mad Poster 7 22nd Feb 2011 at 112 PM Hi Bloom they mean two different colour eyes heterochromia see httpenwikipediaorgwikiHeterochromia_iridum BloomsBase Sockpuppet 8 22nd Feb 2011 at 844 PM ah thought they wanted rotatingmoving eyes Nysha Ne whiterider staff administrator 9 25th Feb 2011 at 917 PM Esme how edited are your mismatched eyes Im considering if you dont object remapping them and assigning them somehow I might delete one so I can get the channels working to the default eye texture so that they can take the textures of the users default eyes I had a look at the mesh and I can see how youve mapped them I could remap them normally but Im a lazy sod so Im thinking that I may be able to just import the UVMap from the EA eye mesh This will of course only work I use the phrase loosely I dunno if itll work but trying if your mesh is essentially the EA mesh with the rest of the face deleted and the eyes moved around a little What I lack in decorum I make up for with an absence of tact Esmeralda Mad Poster 10 25th Feb 2011 at 1008 PM Quote Originally Posted by whiterider Esme how edited are your mismatched eyes Im considering if you dont object remapping them and assigning them somehow I might delete one so I can get the channels working to the default eye texture so that they can take the textures of the users default eyes I had a look at the mesh and I can see how youve mapped them I could remap them normally but Im a lazy sod so Im thinking that I may be able to just import the UVMap from the EA eye mesh This will of course only work I use the phrase loosely I dunno if itll work but trying if your mesh is essentially the EA mesh with the rest of the face deleted and the eyes moved around a little Hi yes please do play around with them if you like Id be interested to see what you come up with Yes my mesh is just the EA eyes mesh taken out of their default face mesh not edited at all IIRC it was a while ago I may have moved them forward a very miniscule bit so that the original eyes didnt show through The textures are also just the default EA textures Nysha Ne whiterider staff administrator 11 25th Feb 2011 at 1037 PM Last edited by whiterider 26th Feb 2011 at 1250 AM Thanks Im already cheerfully overcomplicating the project ETA Mmph well I seem to have hit a wall already The multiplier for eyes is just the irises which is fine the whites are an overlay which works since it means I would be able to use a singlecolour mask for the whole eye without it affecting the whites However the overlay has the iris visible I dunno why it doesnt overlay over the regular iris on EA eyes but it sure does on mine sigh So I figured that I could use transparency Have the whites transparent so that the sims natural whites show through that works fine except that I have to use the iris multiplier as the transparency map The game doesnt take the multipliers alpha to be the transparency map it takes the full RGBA image which is in greyscale so I end up with the irises partially transparent If I remove the overlay and dont use transparency surprisingly the eyeball isnt black but it is grey I really dont know what to try next I considered using the overlay as the multiplier but its in colour and furthermore the CASting would spill over onto the whites The only thing I can think of is somehow editing the ingame tolerance as regards transparency so that only pure black is transparent or making the whole mesh partially transparent somehow independent of the textures but I have no idea if thats possible let alone how to do it Any crazy suggestions would be welcome ETA again Ok so I came up with the brilliant idea of adding a 128 grey transparency map to the whole thing And now my sims whites are bright blue I are confused I should probably be posting this in my journal httpwwwmodyourpantiescomhostieenshot592jpg What I lack in decorum I make up for with an absence of tact Esmeralda Mad Poster 12 26th Feb 2011 at 511 PM Wow that all sounds hideously complicated My original idea was to just make one eye but then I realised that it would have a different texture from the other eye depending on what default replacement eyes each player was using and I didnt know it was possible to assign the accessory eye to a default replacement eye texture or how to do that So I went with two eyes with their own texture Funny I have a very distant memory of ending up with eyes with bright blue whites at first too but can not remember what I did to achieve that I remember having quite a bit of trouble and trial and error before creating a set of DDSs that would do what I was trying to do ie make two normallooking eyes that could be recoloured separately and correctly Im not that experienced a creator and those eyes were a total headache to make Looking forward to developments and I hope someone more experienced than me has some good crazy or not suggestions eeebee Test Subject 13 20th Aug 2011 at 211 PM Looking for heterochromia as well Quote ETA again Ok so I came up with the brilliant idea of adding a 128 grey transparency map to the whole thing And now my sims whites are bright blue I are confused I should probably be posting this in my journal httpwwwmodyourpantiescomhostieenshot592jpg whiterider have you gotten passed this wall yet Im not an expert in this area but you did ask for any crazy suggestions As I recall Cyan Red white In your picture the whites are cyan while the iris is red Maybe they packed the pallet using 1 12 bytes for each color If you split the pallet lets see I assume 128 grey in hex is 808080 Cyan is no red and equal green blue Thats not it it would split into magenta and green I wonder how this map is applied Maybe there is another layer adding blue green or removing the red BloomsBase Sockpuppet 14 21st Aug 2011 at 432 AM Those eye meshes are pain EA so messed things up on those The first thing they did is uvmap both the eyes identical on the same spot except for the adult maleand maybe the teen male On those they did mirror one eye on the uvmapstill on the same spot You can edit the default adult eye meshes but the teen and elder contain bonehashes that get messed up when you importexport them from a 3d proggy I do have a test file wich includes contactlensesiris only but its giving strange glitches in CASlooks ok ingame Another problem with custom meshes is that the special lighteffect dissapears on the eyes Nysha Ne whiterider staff administrator 15 21st Aug 2011 at 1138 AM I didnt no but I do know what causes it its the game applying the texture of another accessory which happens to be cyan as a background to the translucent eye texture What I lack in decorum I make up for with an absence of tact dyreplus Test Subject 16 9th Sep 2011 at 109 PM Im just curious Whats stopping one from making contacts nondefault eyes as face mask makeup as normal but when it comes to CAST regions mapping one eye as the red and the other as blue simple example ignoring the obnoxious task of making the eye base able to recolour properly Theres also the option of finding eye creators that are open to alterations to solve Esmeraldas problem Or you could just make your own oneeyecontact to match your own default eyes and make a short tutorial for how to do it so other creators could make a heterochromia option available with their eyes Araenna Test Subject 17 9th Sep 2011 at 749 PM Quote Originally Posted by dyreplus Im just curious Whats stopping one from making contacts nondefault eyes as face mask makeup as normal but when it comes to CAST regions mapping one eye as the red and the other as blue simple example ignoring the obnoxious task of making the eye base able to recolour properly Theres also the option of finding eye creators that are open to alterations to solve Esmeraldas problem Or you could just make your own oneeyecontact to match your own default eyes and make a short tutorial for how to do it so other creators could make a heterochromia option available with their eyes You only have one eye mask It just double the one eye texturemask for the other eye therefore making that impossible Nysha Ne whiterider staff administrator 18 9th Sep 2011 at 759 PM Indeed makeup wouldnt work because you only have one spot on the mask to paint in a certain colour for both eyes Making a single lens as an accessory does work and yes you could then apply the textures of whichever default eyes you use to the lens normally But that wouldnt be nearly as good as having it pick up default textures automatically so Im not going to do it that way What I lack in decorum I make up for with an absence of tact dyreplus Test Subject 19 10th Sep 2011 at 237 PM Double bugger And I dont want contacts as accessories bad memories of loading times for the accessories section in Sims 2 Well going off Blooms comment of making a new mesh to combat the loss of eye effect assuming the dot of shine why not just make a shine in the texture for the new mesh Obviously it wouldnt move like the dot of shine EA has but itd combat the dead eye look valkyrievampire Test Subject 20 22nd Oct 2012 at 554 AM i think i have done something wrong i have never downloaded custom content before so im pretty clueless i installed the old version of the eyes and they dont show up in the game i also read a guide for custom content not showing up in game and downloaded the NoSparkles and NoIntro thingy but none of it works and the eyes are not showing up in the accesories any suggestions Nysha Ne whiterider staff administrator 21 22nd Oct 2012 at 1126 AM I have no idea what eyes youre talking about but if NoIntro isnt working then youve installed it incorrectly go over the instructions again and if youre still stuck use the forums under the Help menu What I lack in decorum I make up for with an absence of tact valkyrievampire Test Subject 22 2nd Oct 2013 at 1142 PM Quote Originally Posted by Nysha I have no idea what eyes youre talking about but if NoIntro isnt working then youve installed it incorrectly go over the instructions again and if youre still stuck use the forums under the Help menu Thanks so much Everythings all fixed	[ "Sims 3" ]
http://moejoebaseballacademy.com/	Your browser does not currently recognize any of the video formats available Click here to visit our frequently asked questions about HTML5 video Fear Nothing Dominate Everything We Build Champions Why Choose Us NON Profit Baseball club with AAU and Showcase travel teams Fully equipped facility Handson training Knowledgeable coaches Low playertocoach ratio Member of AAU Baseball League Baseball Camps Sign up for a clinic and enjoy months of fun excitement and learning Baseball Team Programs Be part of a travel league or college prospect team and gain exposure to talent scouts Your browser does not currently recognize any of the video formats available Click here to visit our frequently asked questions about HTML5 video We pride ourselves on our ability to develop raw talent and unlock our players potential Trained and Experienced Instructors Our instructors tailor their programs according to our players ages skill levels and aspirations Equipment and Areas Our amenities include pitching mounds bull pens a strength training area and four batting cages Baseball Clinics for All Ages Our programs are open to players of any age We have approximately 5 teams with members aged 9 to 17 Sponsorships Moe Joe Baseball Academy is a proud sponsor of proscouts college coaches and players and the Coventry Little League Team Learn From the Pros We Provide Personalized Instruction Our instructors include coaches and current players from Rhode Island College We maintain a low playertocoach ratio which allows our instructors to provide more customized training programs Additionally our instructors conduct video reviews of skills to pinpoint areas of improvement We Create WellRounded Athletes Apart from teaching you baseball fundamentals and techniques we also provide fitness training Our goal is to create athletes who are strong and fast and who possess the ability to think on their feet We work on strength and conditioning pitching fielding and more We Put Science Into Your Swing Our hitting drills take you past the batting cages and into our stateoftheart baseball laboratory This is where we measure your batting stance swing and timing and make computer calculations Afterward we help you with aspects of your game that you need to work on Business Hours Monday to Friday 200 pm 1000 pm Saturday to Sunday 800 am 1100 pm Connect With Us Moe Joe Baseball Academy offers baseball training to players throughout New England To learn more please give us a call or send us a message LATEST BLOG Coming Soon By Moe Joe Baseball Academy January 30 2018 Coming Soon By Moe Joe Baseball Academy January 30 2018 Coming Soon By Moe Joe Baseball Academy January 30 2018 Coming Soon By Moe Joe Baseball Academy January 30 2018 Coming Soon By Moe Joe Baseball Academy January 30 2018 Coming Soon By Moe Joe Baseball Academy January 30 2018 Coming Soon By Moe Joe Baseball Academy January 30 2018 Coming Soon By Moe Joe Baseball Academy January 30 2018 Coming Soon By Moe Joe Baseball Academy January 30 2018 Coming Soon By Moe Joe Baseball Academy January 30 2018 Coming Soon By Moe Joe Baseball Academy January 30 2018 Coming Soon By Moe Joe Baseball Academy January 30 2018 1 2 3 4	[ "Baseball Academy", "Camps", "Team Programs" ]
http://mohammadyasin.org/	Mohammad Yasin MP Member of Parliament for Bedford and Kempston It is a privilege to have this opportunity to serve the whole community of Bedford and Kempston as your Member of Parliament I have settled into Parliament given my maiden speech and asked questions in Parliament made contact with key people in Bedford and Kempston as well as meeting constituents holding regular surgeries and attending many events Please follow my activities here Working for you I have set up my local and parliamentary offices and receive a large number of emails letters and phone calls every day I hold regular surgeries to see constituents and attend numerous local events My contact details are Email Officemohammadyasinorg Phone 01234 346525 2A Duke Street Bedford MK40 3HR Show your support by getting involved Mohammad Yasin on Facebook Mohammad Yasin MP Mohammad Yasin MP 2 days ago I commend the efforts of the fire fighters who worked tirelessly through the evening and night Although the fire at the North Wing site is now reported to have been put out there remains some disruption on the roads Im sad to see the demise of a significant building in Bedfordshires heritage Massive fire destroys Shires House at Bedford Hospital North Wing bedfordindependentcouk What started as a small fire at Bedfords North Wing Hospital last night turned into a major emergency with over 60 firefighters Mohammad Yasin MP added 2 new photos 3 days ago Over the next couple of days I will be holding the following dropin surgeries Please do stop by if you would like to discuss any concerns or issues Friday 4th January 10am 1130am at Project 229 on Bedford Road Kempston Saturday 5th January 12noon 130pm at the Harpur Shopping Centre Bedford Photo Mohammad Yasin MP 4 days ago I spent the morning at Bedford station with fellow Labour Councillors and friends to protest against the rail fare increases that came into force today We met many commuters who are returning to work facing another inflation busting fare increase who feel angry and insulted that they are being forced to pay more after the year they have had losing their fast peak time services and struggling with hundreds of train delays and cancellations following the timetable change debacle Under the Tories regulated fares including peak fares and season tickets have risen by 36 since 2010 nearly 3 times higher than earnings for a poorer service A season ticket holder in Bedford now must find an extra 148 a year to get to work but theyve lost their fastintercity peak time services and now have to endure frequent delays and overcrowded trains No other industry could get away with treating their customers with such disdain The franchising system is broken and the Governments shambolic mismanagement of our railways has been a national embarrassment The Government is failing rail passengers Prices are rising performance is in decline promised investment has been scrapped and industrial relations have worsened Government rail policy has not delivered affordable fares decent services or value for money for taxpayers Instead of using their powers to make the train companies freeze fares on the worst performing routes and make fares fair to encourage people to use public transport instead of cars the Government has shown once again they have no control over rail and have no regard for the environment and sustainable transport The railway should be a public service not a vehicle for private profit We must take the railway back into public ownership as franchises expire using savings to cap fares and upgrade and expand the rail network to create a rail network fit for the 21st Century Picture from left to right Cllr Luigi Reale Mohammad Yasin MP Rob Walker Cllr Sue Oliver and Nesreen Akhtar Zoe Mann and Ian Nicholls were also present but not in this picture Photo	[ "Mohammad Yasin", "Member of Parliament", "Bedford" ]
http://mohitpawar.com/businesses-you-can-start/	17 businesses you can start with little or no money 262 comments Add your own Jun 14 2011 You want to start a business but do not have idea or spare money Check out these ideas below You can start these businesses with little or no money These businesses can teach you all basics of running a business setting up a shop basics of accounting pricing negotiations marketing and promotion You will also get a taste of what it is like to be an entrepreneur I always tell people to start early as an entrepreneur If you are one of the lot then pick one of these ideas based on your interest and skill set while you are still in school and get going Do not worry if you are not an early starter you need not be young to start any of these 1 Consulting business Pick whatever area you have expertise in Personal finance brand marketing and get going 2 Dance music school You have always been good at dance or music Just get some practice with a local dancemusic institute and start on your Start with basic courses Keep on learning and upgrading your offerings side by side 3 Online business A blog can be turned into a business but you need to put a lot of work and it may take longer than any other business to establish Upside is that you need not work at any specified time You can learn to code and develop various apps or get into affiliate marketing 4 Real Estate Agency It is simple You go around in locality check online and print listing for properties that are to be leased With this info advertise in classified section of a local newspaper or craigslist You will also need to contact the property owner and take their consent to represent them 5 Content writing If you have some writing chops then you can start as a writer blogger for hire Announcing Start Your Own Business COURSE You can start your 1st business in next 30 days READ to learn how Every day 100 or more readers come to this page looking for business building ideas and advice Few of you ask in comments many reach out to me via email There is a problem not many are willing to put in hard work and time needed to build a successful business For those who are willing to put efforts I am creating a structured program to help you get started You can Apply to Join Here or 6 Creative Agency You can start a graphic design web design or online marketing offering services like social media marketing search engine optimization online advertising etc Start with one and add more services as you move ahead 7 FitnessYoga Trainer If you love to work out and have trained professionally this is an option for you 8 Web Maintenance Business A lots of small businesses get their website made for cheap and then wait for their designer to update it You may become their angel by offering website maintenance services Offer once a month contact and take up to 20 clients Later as your business grows and you move on to bigger things hire an employee to take care of this part of your business Announcing Start Your Own Business Book A Step by Step Guide to Start Your Business See below You can learn more here 9 Career guide Millions of youngsters and their parents are confused about what to do next You can research about relevant career options for youngsters and what it takes to succeed in each area Do not the promise the world Just share what you know It is better to see yourself as a research assistant Ask for the interest area of the youngsters and offer options based on that If are young then pitch this as your USP as you are well versed with the thought process and aspirations of your clients 10 Teacher As boring as it may sound it is well paying Check out this story to see how lucrative it can be 11 Professional speaker trainer If you have been working for a while then this is one option you can give a shot You can start with free and move on to fee which can go up to 50000 for a day But thinking about 1500 a day is more realistic and you can aim for it right away 12 Event Manager You choose to be a corporate event manager or specialize in managing weddings 13 Corporate gift specialist There is good scope in this space that is why this is cluttered You need to identify unique gifts at various price points and establish this as your USP 14 City walks You know more about the city you live in You have been blogging about it for years and love to go out Create a city walk and show people who what they have been missing 15 Professional Photographer Pick your niche people fashion or events You need to invest in training and gear but break even should not be far away if you play your cars 16 Chocolate maker Chocolate is loved world over and if you learn to mould it in different shapes you have a business on your hands 17 Tour operator Get creative with this one Organize gapyear programs for students or cultural heritage tours Hope this helps you get started For some of the above options you need to train first An online presence can help But you need to start first before you build it up Thanks to Abhishek Manansi and Yukti for their ideas and feedback If you have more ideas just share in comments and I will add it here Was this article helpful If so then youll love this I wrote an entire book where youll learn how to come up with a great business idea how to test it quickly and how to get your business startedthere are so many more options than there were just a few years ago And perhaps most importantly Ill show you how to make your first sale and earn money fast Liked it Share it Previous post Trust30 Writing Challenge Next post The Happiness Formula Books The Growth Path India Startup Guide	[ "businesses", "entrepreneur" ]
http://moldpolishing.engis.com/product/polishing-stones.html	Polishing Stones Home Polishing Stones Kit Part Number Our price : $ 21.00 Quantity Add to cart Ask a question about this product Description Polishing Stone Kits Engis polishing stone kits offer the opportunity to try a variety of stone grits in a single stone formulation . This allows you to determine exactly which grit particle size will work best for your stoning applications . Each stone kit contains either five or six stones , beginning with 150 grit or 320 grit , followed by progressively finer stones from 600 grit or 1200 grit , depending on the set content . All stone kits contain the same dimensions , 1 / 8 " thick x 1 / 2 " wide x 6 " long . We also have larger stone sizes available - Call 800 . 99 . ENGIS for more details STONING TIP : Most stoning applications can be greatly enhanced with the use of Engis Lubricants which prevent the stone from loading ; this accelerates the finishing process . Our Hyprelube ® lubricant is a great fit for many stoning applications and soaking the stones in Hyprelube will greatly improve performance and surface finish . EDM - Aluminum Oxide Fine Grit Stone Kit ( Contains 6 Stones ) Our EDM stone is engineered for the removal of tough EDM scale from machine parts . This stone is a soft grade which breaks down fast and cuts freely . It can be used by hand or in a power profiler , wet or dry . Kit contains : Grits 320 , 400 , 600 , 800 , 1000 and 1200 HY - White Aluminum Oxide Fine Grit Stone Kit ( Contains 6 Stones ) The HY is a medium hard stone that is specially oil - treated to resist loading and provides fast cutting action on most mold and die tool steels . The 220 and 320 grits work well on the removal of EDM scale and can be used by hand or with a profiler . Kit contains : Grits 320 , 400 , 600 , 800 , 1000 and 1200 DM - Aluminum Oxide Standard Coarse Grit Stone Kit ( Contains 5 Stones ) DM is a general purpose finishing stone that is medium hard and does not break down rapidly . This stone performs well on mold & die steels to remove cutter marks and leave a smooth surface finish . It can be used by hand or in a power profiler , wet or dry . Grits 150 , 220 , 320 , 400 and 600 DS - Aluminum Oxide Fine Grit Stone Kit ( Contains 5 Stones ) The DS series is a medium soft stone for all types of tool steels , including pre - heat treated P - 20 , H - 13 , S - 7 , T - 420 and SST . This stone is fast - cutting and breaks down evenly providing a superior finish . It can be used by hand or in a power profiler , wet or dry . Grits 320 , 400 , 600 , 900 and 1200 AL - Aluminum Oxide Fine Grit Stone Kit ( Contains 6 Stones ) The A / L stone has been specially treated to resist loading , scratching and tearing of softer metals , like aluminum and brass . Performance of our A / L stone improves with the use of an oil based lubricant , such as Engis Hyprelube . It is well - suited for hand and profiler use . WASP - Aluminum Oxide Fine Grit Stone Kit ( Contains 5 Stones ) The WASP kit was developed for customers who want one stone that can perform well on most tool steels , including softer metals like aluminum . Great for flat lapping and finish work on contours with moderate breakdown and good surface finishes . Works well by hand or in a power profiler , wet or dry . Grits 320 , 400 , 600 , 900 and 1200 RG - Green Silicon Carbide Fine Grit Stone Kit ( Contains 6 Stones ) The RG stone cuts very fast and produces an excellent finish on most mold & die steels with 28 to 58 Rc hardness . Can also be used to finish aluminum , bronze and cast iron .	[ "Polishing Stones" ]
http://molecularstudy.blogspot.com/2012/10/a-special-initiator-trna-starts.html	Molecular Biology October 15 , 2012 A special initiator tRNA starts the polypeptide chain KEY TERMS : The initiation codon is a special codon ( usually AUG ) used to start synthesis of a protein . N - formyl - methionyl - tRNA ( tRNA f Met ) is the aminoacyl - tRNA that initiates bacterial protein synthesis . The amino group of the methionine is formylated . tRNA f Met is the special RNA that is to initiate protein synthesis in bacteria . It mostly uses AUG , but can also respond to GUG and CUG . tRNA m inserts methionine at internal AUG codons . KEY CONCEPTS : Protein synthesis starts with a methionine amino acid usually coded by AUG . Different methionine tRNAs are involved in initiation and elongation . The initiator tRNA has unique structural features that distinguish it from all other tRNAs . The NH 2 group of the methionine bound to bacterial initiator tRNA is formylated . Synthesis of all proteins starts with the same amino acid : methionine . The signal for initiating a polypeptide chain is a special initiation codon that marks the start of the reading frame . Usually the initiation codon is the triplet AUG , but in bacteria , GUG or UUG are also used . The AUG codon represents methionine , and two types of tRNA can carry this amino acid . One is used for initiation , the other for recognizing AUG codons during elongation . In bacteria and in eukaryotic organelles , the initiator tRNA carries a methionine residue that has been formylated on its amino group , forming a molecule of N - formyl - methionyl - tRNA . The tRNA is known as . The name of the aminoacyl - tRNA is usually abbreviated to fMet - tRNA Marcker and Sanger , 1964 ) . The initiator tRNA gains its modified amino acid in a two stage reaction . First , it is charged with the amino acid to generate Met - tRNA ; then the formylation reaction shown in Figure 6.12 blocks the free NH 2 group . Although the blocked amino acid group would prevent the initiator from participating in chain elongation , it does not interfere with the ability to initiate a protein . This tRNA is used only for initiation . It recognizes the codons AUG or GUG ( occasionally UUG ) . The codons are not recognized equally well : the extent of initiation declines about half when AUG is replaced by GUG , and declines by about half again when UUG is employed . The species responsible for recognizing AUG codons in internal locations is m . This tRNA responds only to internal AUG codons . Its methionine can not be formylated . What features distinguish the fMet - tRNA initiator and the Met - tRNA elongator ? Some characteristic features of the tRNA sequence are important , as summarized in Figure 6.13 . Some of these features are needed to prevent the initiator from being used in elongation , others are necessary for it to function in initiation : Formylation is not strictly necessary , because nonformylated Met - tRNA can function as an initiator , but it improves the efficiency with which the Met - tRNA is used , because it is one of the features recognized by the factor IF - 2 that binds the initiator tRNA ( Sundari et al . , 1976 ) . The bases that face one another at the last position of the stem to which the amino acid is connected are paired in all tRNAs except tRNA . Mutations that create a base pair in this position of tRNA Met allow it to function in elongation . The absence of this pair is therefore important in preventing tRNA from being used in elongation . It is also needed for the formylation reaction ( Lee , Seong , and RajBhandary , 1991 ) . A series of 3 G C pairs in the stem that precedes the loop containing the anticodon is unique to tRNA . These base pairs are required to allow the fMet - tRNA to be inserted directly into the P site . In bacteria and mitochondria , the formyl residue on the initiator methionine is removed by a specific deformylase enzyme to generate a normal NH terminus . If methionine is to be the N - terminal amino acid of the protein , this is the only necessary step . In about half the proteins , the methionine at the terminus is removed by an aminopeptidase , creating a new terminus from R ( originally the second amino acid incorporated into the chain ) . When both steps are necessary , they occur sequentially . The removal reaction ( s ) occur rather rapidly , probably when the nascent polypeptide chain has reached a length of 15 amino acids . Posted by Ankur Choudhary Newer Post Older Post Home	[ "Molecular biology", "tRNA", "polypeptide chain" ]
http://mollevwofkansascity.com/	Molle Volkswagen your VW Dealer in Kansas City Molle Volkswagen Inventory Category Type Year Make Model 132 Vehicles 2019 Atlas Research 2018 Beetle Convertible Research 2018 Golf Research 2018 Golf Alltrack Research 2018 Golf GTI Research 2018 Golf R Research 2018 Golf SportWagen Research 2019 Jetta Research 2019 Passat Research 2019 Tiguan Research 2018 Tiguan Limited Research 2019 eGolf Research Molle Volkswagen A Blue Springs Kansas City Volkswagen Source More than just your Kansas City Volkswagen dealer the Molle organization has been familyowned and operated since 1969 Our friendly professional Blue Springs VW source staff is ready to provide you with all the help you need At your Lees Summit Volkswagen dealer alternative our goal is to provide worldclass customer service and make your shopping experience pleasant and hasslefree As part of the Molle Automotive Group we look forward to welcoming you to the Molle Volkswagen family and serving your 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Volkswagenoffers an extensive selection of certified preowned inventory to choose from to fit both your budget and lifestyle When you buy a Volkswagen Certified PreOwned vehicle at Molle Volkswagen you can expect to confidence from first sight to testdrive to time of purchase and beyond Shop Certified PreOwned Current Specials MOLLE Discount Select 2018 Volkswagen Golf 750 Expires 01092019 Offer Disclosure MOLLE Discount Select 2018 Volkswagen Golf GTI 3500 Internet Sale Price 30035 Stock Number V84178 Expires 01092019 Offer Disclosure DRIVE TO DECIDE Select 2019 Volkswagen Atlas 1000 Expires 01092019 Offer Disclosure MOLLE Discount Select 2019 Volkswagen Atlas 1500 Expires 01092019 Offer Disclosure DRIVE TO DECIDE Select 2019 Volkswagen Jetta 1000 Expires 01092019 Offer Disclosure MOLLE Discount Select 2019 Volkswagen Jetta 2500 Expires 01092019 Offer Disclosure MOLLE Discount Select 2019 Volkswagen Passat 2500 Expires 01092019 Offer Disclosure DRIVE TO DECIDE Select 2019 Volkswagen Tiguan 1000 Expires 01092019 Offer Disclosure MOLLE Discount Select 2019 Volkswagen Tiguan 1500 Expires 01092019 Offer Disclosure Shop for a New VW at Molle Volkswagen Molle Volkswagen offers an extensive selection of new VW models in Kansas City as well as competitive Volkswagen lease specials and financing options to make driving a new vehicle a reality Molle Volkswagen also has an impressive collection of quality preowned and certified preowned vehicles to offer the quality and value you expect from Molle Volkswagen We look forward to seeing you soon Get Hours Directions Our Location Molle Volkswagen 808 W 103rd Street Kansas City MO 64114 US Sales 816 2562840 Service 816 9412400	[ "Molle Volkswagen", "Kansas City" ]
http://momofukufor2.com/recipe-list/	Recipe List Momofuku Recipes 1 momofuku ramen 2 ramen broth 3 tare 4 traditional dashi 5 bacon dashi 6 alkaline noodles 7 pork belly 8 pork shoulder for ramen 9 slowpoached eggs 10 ginger scallion noodlesginger scallion sauce 11 roasted rice cakes 12 korean red dragon sauce 13 roasted onions 14 kimchi stew rice cakes shredded pork 15 pickles x 20 16 kimchi fermented pickles 17 momofuku pork buns 18 steamed buns 19 chicken egg 20 chicken wings 21 fried chicken 22 panroasted asparagus poached egg miso butter 23 roasted sweet summer corn miso butter bacon roasted onions 24 brussels sprouts kimchi puree bacon 25 cherry tomato salad soft tofu shiso 26 peas with horseradish 27 panroasted bouchot mussels with OS 28 bacon dashi with potatoes clams 29 scallion oil 30 sichuan crawfish prawns 31 grilled octopus salad konbu bamboo shoots pickled chiles 32 octo vinaigrette 33 shrimp grits 34 oyster garnishes x 3 35 melon gelée for oysters 36 kimchi consommé for oysters 37 bay scallops with dashi chive oil pineapple 38 maine jonah crab claws prawns with yuzu mayonnaise 39 cured hamachi 40 country ham with red eye mayonnaise 41 xo sauce with 3 vegetables 42 roasted mushroom salad 43 friedroasted cauliflower or brussels sprouts 44 fuji apple salad 45 bo ssäm 46 ssäm sauce 47 marinated hanger steak ssäm 48 pork belly ssäm 49 mustard seed sauce 50 grilled lemongrass pork sausage ssäm 51 pickled carrot daikon julienne 52 fish sauce vinaigrette 53 spicy pork sausage rice cakes 54 pork shoulder steak 55 ramp ranch dressing 56 panroasted dryaged rib eye 57 confitroasted fingerling potatoes 58 brick chicken 59 pigs head torchon 60 bánh mì 61 chicken liver terrine 62 ham terrine 63 momofuku shortcakes 64 poached rhubarb 65 macerated strawberries 66 chicharrón 67 english muffins 68 bay leaf butter 69 fluke scallops 70 buttermilk dressing 71 shiro shoyu vinaigrette 72 ko kimchi consommé with pork belly oysters napa cabbage 73 pork belly for ko kimchi consommé 74 kimchi consommé 75 softcooked hen egg 76 onion soubise 77 fingerling potato chips 78 roasted new jersey diver scallops 79 kohlrabi puree 80 pickled chanterelles 81 shaved foie gras 82 riesling gelée 83 pine nut brittle 84 frozen foie gras torchon 85 48 hour short rib 86 dashi braised daikon 87 rice with miso soup 88 nori powder 89 grilled rice 90 cereal milk 91 avocado puree 92 chocolatehazelnut thing 93 praline paste 94 caramelized cornflakes 95 fried apple pie 96 apple pie filling 97 miso butterscotch 98 sour ice cream 1 Comment add yours Hi I am curious where you got those adorable little science beaker measuring cups I live in the area and would love to pick up a set Reply Doug on October 12 2012 at 1036 am I love all kinds of Fried chickenSouthern Korean and this I have had the AD HOC book for 12 years sharyn fireman on Ad Hoc Buttermilk Fried Chicken Recipe About Momofuku dishes Other Recipes Photo Gallery FAQ Contact Stumble me please Momofuku Milk Bar Crack Pie Recipe Pierogi Recipe Rainbow Jello Recipe Copycat Momofuku Milk Bar Cornflake Chocolate Chip Marshmallow Cookie Recipe Yaki Onigiri Recipe Spam Musubi Recipe Ad Hoc Buttermilk Fried Chicken Recipe Ad Hoc Potato Pave Recipe Roasted Pork Belly Tan Tan Noodle Recipe ad hoc 9 beef 5 carbs 14 chicken 19 commentary 63 completed 84 eggs 18 5 ko recipes 24 leftover fridays 12 meat glue week 7 misc 19 noodle bar recipes 43 noodles and stews 18 obsessive compulsive lists 11 pork 32 recipes 117 sauces and pickles 26 seafood 23 shopping 9 ssäm bar recipes 33 sweet stuff 36 vegetables 30	[ "Momofuku Recipes" ]
http://momsneedtoknow.com/10-ways-use-grapefruit-essential-oils/	10 Ways to Use Grapefruit Essential Oils August 22 , 2014 by Mindi Cherry We are continuing in our series on how to use essential oils . I have been using them regularly for a while now and words can not begin to express what a difference that they have made in my life . I have more energy , have been getting much more restful sleep and even some digestive problems that I have been having are starting to improve . If you missed any of the other posts in this series , be sure to check out my essential oils page for a listing of all the posts so far as well as a great deal on essential oils ( and a free offer from me ) in my Getting Started With Essential Oils post ! Grapefruit essential oil is also known as a dieters best friend ! We ' ve all heard of the grapefruit diet before . There is a reason that it was ( and still is today ! ) so popular ! Grapefruit helps with weight loss ! And grapefruit oil can help you as well . As long as you are using Therapeutic Grade Essential Oils , you can add a few drops to your water to help you with weight loss ( peppermint oil is also good for weight loss as it helps aid digestion ) But it ' s powers go beyond weight loss ! Here are 10 amazing uses for grapefruit essential oil ! Grapefruit Oil is a Natural Antidepressant – That ' s right – A natural antidepressant ! The scent of grapefruit is uplifting and helps to relax your mind . Diffuse this oil or inhale it from the bottle to give your mood a boost ! Grapefruit Oil Can Help With Migraines – Migraines can be rough . Grapefruit Oil can be successful in helping to relieve you from your migraine , especially if it is caused by stress . You can apply topically ( to the temples or back of the neck ) or use it aromatically ! Grapefruit Oil Can Help Beat That Hangover – At some point we realize we are not as young as we once were and the night before can catch up to us . I remember in my younger days being able to toss back an entire bottle ( or 2 ) of wine and wake up fine the next morning . Now , anything more than 2 glasses has be miserable the next morning ! Use grapefruit oil to help with a hangover in a number of ways : Diffuse or inhale it . Or you can also add 1 - 2 drops to your water ( this is Grapefruit Oil is Great for Jet Lag – If you have been off jet setting around then you have experienced the power of jet lag . Next time , keep a bottle of grapefruit essential oil with you ! A quick smell can help to elevate your energy levels and beat jet lag ! I recently flew back & forth between Philadelphia & San Diego and I can tell you that this really worked for me ! Grapefruit Oil is Good For Your Heart – Cardiovascular support is something you might be surprised to find out that grapefruit oil can help with ! Add a few drops to your lotion and massage toward your heart . Grapefruit Oil is a Wonderful Disinfectant – If you have seen cleaners that have a grapefruit or citrus scent this is why ! Orange oil seems to get most of the attention when it comes to cleaning , but grapefruit oil is also a natural disinfectant and works just as well . It ' s just a matter of which scent you prefer . Grapefruit Oil Can Help with Overcoming Addictions – Addictions are hard to overcome . Grapefruit oil can help whether you are suffering from a drug or food addiction . Use 1 - 2 drops topically by rubbing into your stomach or the back of the neck when you feel a craving coming on . You can also inhale it . Grapefruit Oil Can Beat Cravings – Using grapefruit oil aromatically can help curb sugar cravings ! It can also be used to help put a stop to emotional eating or binge - eating . The best way to use it for cravings is to inhale it . Grapefruit Oil Can Help to Reach Your Weight Loss Goals – Exposure to grapefruit oil has been shown to decrease your appetite and help you to lose weight . Use it aromatically throughout the day and also add 1 - 2 drops to your water . Not only will it make your water taste better ( and help you increase your water intake for the day ! ) but it will also act as a supplement ! Grapefruit Essential Oil Can Help to De stress – Keep stress at bay by diffusing grapefruit oil ! This is a great oil to have in your office and work environment ! ( and do n ' t forget to check out my other m ethods for de - stressing your entire household ! ) Do you have any other uses for Grapefruit Oil ? Find out more about Essential Oils on my Getting Started With Essential Oils post and be sure to check back as I share more awesome uses for the Essential Oils that are included in the Young Living Premium Starter Kit ! Do n ' t forget that you can get a free Essential Oils Reference Book when you purchase a Premium Starter Kit ! Disclaimer : These statements have not been evaluated by the Food and Drug Administration . The information on this site is not intended or implied to be a substitute for professional medical advice , diagnosis or treatment . Please confirm any information obtained from or through this web site with other sources , and review all information regarding any medical condition or treatment with your physician . Never disregard professional medical advice or delay seeking medical treatment because of something you have read on this website . This information is not intended to diagnose , treat , or cure any disease . Filed Under : Essential Oils Tagged With : essential oils This post may contain affiliate links which might make me money . I promise to only use the money to buy wine , male strippers and glitter - pooping unicorns ( and maybe to donate to starving orphan puppies in Africa ) or whatever the heck I want . If you think I should n ' t make money for the 60 + hours that I spend on this site each week , please go away and never come back . Read my disclosure policy « Retail Coupon Roundup \| Aeropostale , Kohl ’ s , LOFT Outlet + More ! CVS , Rite Aid + Walgreens Deals Updated \| Week of August 24 , 2014 »	[ "GRAPEFRUIT ESSENTIAL OILS", "dieters best friend", "weight loss" ]
http://monadnockresources.com/	OUR PARTNER Monadnock is backed by a 100 million private equity commitment for Kayne Anderson Energy Fund VII LP and members of the management team Kayne Anderson Capital Advisors LP founded in 1984 is a leading independent alternative investment management firm focused on niche investing in upstream oil and gas companies energy infrastructure specialized real estate middle market credit growth private equity and distressed municipal opportunities Kaynes investment philosophy is to pursue niches with an emphasis on cash flow where its knowledge and sourcing advantages enable it to deliver above average riskadjusted investment returns Kayne manages approximately 285 billion in assets as of 5312015 for institutional investors family offices high net worth and retail clients and employs nearly 290 professionals in eight offices across the Through Kayne Anderson Energy Funds the firm has raised over 43 billion of committed capital dedicated to energy private equity investments in primarily upstream and midstream oil and gas companies Currently the firm has over 30 active portfolio companies focused on upstream and midstream oil and gas assets across North America The firm is headquartered in Los Angeles with offices in Houston New York City Chicago Denver Dallas Atlanta and Boca Raton For more information please visit wwwkaynecapitalcom NEWS The Hz San Andres What the Shale Relax Its a Dolomite August 30 2018 CONTACT US Monadnock Resources LLC 5052 Addison Circle Addison Texas 75001 Phone 2145305430 Email infomonadnockresourcescom	[ "Kayne Anderson" ]
http://monas.ca/	20122014 Monas Co Ltd 4575 Avenue Du Parc Montreal QC H2V 4E4 Tel 514 8421421	[ "Monas" ]
http://moneroinvestment.com/	Monero value proposition Humans have a need to store their wealth . When storing your wealth you would like it to be secure meaning that it retains its real value , that it does not get stolen and that it can be liquidated preferably with relatively short notice . Today there exist several investment assets classes catering to these needs each with unique set of characteristics . Some may be more liquid some tend to retain their value better but most importantly risks associated with the value of certain investment assets class tend to not correlate very strongly with the risks for other Why is this relevant in regards to Monero ? Because Monero as a private and secure digital currency offers an unique and lucrative product to the investment asset market . Digital currencies can be viewed as a new emerging asset class . In this asset class Monero offers a great set of characteristics for asset to use for storing wealth . First Monero ’ s valuation in terms of availability is stable and predictable . Like most digital currencies Monero is decentralized and has set characteristics regarding amounts of new Moneros to be launched in the world . This means emission of Monero is set and will eventually mature into less than 1 % yearly addition after first eight years . Second Monero ’ s technology offers a level of privacy unique in digital currency market . Because of this privacy it is very difficult for anyone else to gain knowledge of your potential Monero holdings contributing greatly towards safety in regards to theft , scam or similar threats . Finally as in all digital currencies there is a built in capability for transferring Monero ’ s to other people globally . This is achieved by the digital currency technology and it is essentially what digital currencies are . In practice this means that there is a built in characteristic guaranteeing certain level of liquidity in Monero because with this all you need is to find a party willing to accept Moneros to be able to make a trade with Monero . This is right now and in growing amounts complemented by services that support exchanging Moneros into other things . The inherent characteristic for supporting transactions makes creation of such services easy and guarantees certain amount of liquidity even if other services are for some reason unavailable . In short Monero offers potential for an excellent new asset This is the promise of Monero anyway . Right now we are at the very start of the road and for every investment asset one that particular asset needs to be widely accepted as one . This is not the case for Monero today as it is an emerging new product in an emerging new asset class . Today Monero ’ s valuation is very volatile and there is still lot that needs to happen for Monero to realize the potential . It is also right now very , very cheap which gets us into the next point . Why to invest in Monero right now ? At the time of this writing in May 2015 Monero is at the very begging of its story . Monero ’ s right now are very cheap . If there is to be any kind of valuable usage for Monero ’ s in the future let alone realization of Monero ’ s full potential then the value of Monero is very likely higher than the price of Monero today . As with every innovation at their early stages there is a great deal of uncertainty on success but let ’ s return to this topic after discussing where Monero is Monero has now been in existence for over a year and both technology and community around the product have matured considerably from the early idea and the development continues with building momentum . During Monero ’ s history development and investment communities have shown that they believe on Monero ’ s long term potential and are willing to be patient and invest work and money towards this . People who have been there from the start have mostly stayed and new interested parties are gradually coming in . Monero market is quite active with significant monthly volumes showing a community with ongoing interest for the product and providing reasonable opportunities for new investors to acquire reasonable amount of Monero ’ s without extreme price hikes . At May 2015 there are approximately one thousand users who own Monero and the current Monero marked cap is at around 1 , 5 million USD . To evaluate the upwards limits of Monero valuation it is probably best to look into other mature products in investment asset classes . Weather we turn into precious metals , currencies in bank accounts , government bonds , real estate , land or stock markets every one of these markets globally is in a magnitude of trillions ( 10¹² ) in USD . From this we can make a very rough estimation that if Monero should reach the biggest upside it would become a competitive product in this market and stabilize as an additional option for investors looking for storage of their wealth . In such stable state Monero ’ s total market valuation should compare to the other asses mentioned above . This would show that in the most positive scenario Monero ’ s upside would be approximately million fold from market cap of millions to market cap of trillions . Obviously this is a slow and uncertain process . Most of the other mentioned products have a history of over hundred years and beyond . Even though technology age has significantly accelerated the pace of change in society it would still mean cycle of tens to twenty years possibly much longer for Monero to establish itself . Over time such long time spans almost anything can happen and it is much more likely that nothing becomes of Monero than it will reach its full potential . Nevertheless there are also other interim stages where Monero will be a viable investment As a conclusion there is an enormous upside for Monero investment , in fact the upside is so gargantuan that it is hard to wrap ones head around it . Our psychology is not ideally suited for considering low probability events with extremely high impact and hence just thinking about it feels weird . However the math is there and in fact I encourage you to check out our scenario analysis tool here and make the judgement regarding different probabilities yourself . It is also worth to note that Monero right now is not an investment that is likely to add little bit for your wealth fairly securely . The absolute probability of Monero being worth anything in the long run is probably quite low . However because of the enormous upside the expected value still adds up to very lucrative deal . As ever with green field venture investments never invest anything you are not prepared to lose . With expected value as good as Monero though it might be prudent to	[ "MONERO VALUE PROPOSITION", "digital currency market" ]
http://money.cnn.com/2005/10/18/news/economy/annie/fortune_annie101805/	Commentary : Ask Annie Column archive How Much Severance Pay Can You Expect ? Many laid - off employees are being offered more generous benefits than in the past . Plus , how to win back a boss who fired you , and how long is too long to consider a job offer . By Anne Fisher , FORTUNE senior writer October 18 , 2005 : 12 : 45 PM EST Sign up for the Ask Annie e - mail newsletter Dear Annie : I just found out that my job , along with those of several other people in my department , is being eliminated soon . This is really discouraging , since it will be my second layoff in four years . ( I lost my last job at the end of 2001 . ) Also , I just turned 50 and I think job hunting will be tough this time around . Do you have any sense of how much severance pay would be reasonable to expect ? So far , the HR people have told us nothing specific , but - - Castaway Dear Castaway : Yes , companies ' standard severance policies are still based largely on years of service , with about half of employers offering two weeks ' salary for each year you ' ve worked there . Slightly more than one in three pay one week ' s salary per year of service ; and fewer than 20 % offer less than a year ' s pay per year of service . Outplacement giant Lee Hecht Harrison ( http : / / www . lhh . com ) recently polled human - resources folks at 1,030 U.S. companies and found that , overall , severance pay has held fairly steady since 2001 - - coincidentally , the last time the firm did this survey and the last year you had to worry about this . " Despite the recession in the intervening four years , most organizations did n ' t cut these benefits significantly , " says Bernadette Kenny , a Lee Hecht Harrison executive vice president . " Regardless of economic circumstances , employers seem to recognize the importance of having severance benefits that are So , for example , the survey found that only 33 % of companies made any changes at all in their severance policies during the economic slowdown - - and , of those , 52 % actually became more generous . One interesting change : 49 % now offer severance benefits to part - time employees , up from 39 % who did so in 2001 . A tiny 2 % of companies say that temporary or contract workers are eligible to get severance , but that ' s still double the 1 % of companies that said so in But now let ' s talk about your situation specifically . Your age is significant here , because federal law provides particular protections for employees over 40 who lose their jobs . For one thing , you ' re legally entitled to take 21 days to think over a severance offer before you sign a severance agreement - - and even after you sign , the law gives you seven days to change your mind . So do n ' t be rushed into anything . There are usually several components to a severance package besides cash , and some How to Get a Better Severance Package " . Best of luck . Dear Annie : The company where I work was just acquired , and I ' ve discovered that the company that bought us is headed by a boss who previously fired me . I made some mistakes back then , but I ' ve made some changes and been very successful ever since . I do n ' t even know yet if I ' ll have a position with the new company , but I wonder how I should proceed . Should I approach her ? If so , what should I say ? - - Older & Wiser Dear O & W : By all means , make an appointment to stop by her office for a quick hello . If you do n ' t , and she finds out you ' re working for her again ( as of course she will , sooner or later ) , it will look as if you ' re hiding out and hoping she wo n ' t notice you . Talk about awkward ! Go in there with a confident , friendly air about you , and briefly tell her what you just told me , i.e. , you ' re well aware I ' m an MBA who was laid off last June when my former employer closed down . I went through a three - month series of interviews at a company more than 2,000 miles away . Then the company deliberated for three weeks , during which I heard nothing from them . Finally , someone called and made me a job offer . I was pleased , but - - partly because of the long - distance move my family and I would have to make - - I asked for one day to think it over . Five - - Stone Mountain Sam Dear Sam : I ' ve heard some strange stories lately - - including one from a guy who was fired because he would n ' t stay out carousing with his boss until 3 a.m. while the two of them were on a business trip ( has anyone else on earth ever been fired for not drinking enough ? ) - - but this one takes the cake . Any company that would put you through a three - month interview ordeal , leave you dangling for three weeks , and then refuse to give you a measly 24 hours to decide - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - Next , see FORTUNE ' s 100 Best Companies to Work For Find the best employers in your state Got a question or comment ? E - mail me here SAVE \| EMAIL \| PRINT REPRINT	[ "Severance Pay", "laid-off employees", "severance benefits" ]
http://money.cnn.com/2005/10/27/pf/college/priciest_colleges/index.htm	Personal Finance > College SAVE \| EMAIL \| PRINT The 10 most expensive colleges College tuition for freshmen is costly in many places , but nowhere more so than at these schools . October 28 , 2005 : 6 : 21 AM EDT By Jeanne Sahadi , CNN / Money senior writer MOST EXPENSIVE COLLEGES Here ' s a list of the most expensive tuition bills for 2005 - 06 , according to the Chronicle of Higher Education . The figures do not include room , board or other costs of attendance . College 2005 - 06 tuition 1 - year increase Landmark $ 37,738 2.7 % George Washington U . $ 36,400 7.0 % U of Richmond $ 34,850 31.4 % Sarah Lawrence $ 34,042 5.0 % Kenyon $ 33,930 5.5 % Vassar $ 33,800 7.8 % Trinity $ 33,630 5.3 % Bennington $ 33,570 8.0 % Simon ' s Rock College of Bard � $ 33,364 � 7.0 % � Hamilton ( NY ) $ 33,350 5.2 % * Figures represent tuition and required fees for first - time , full - time undergrads . Source : � Chronicle of Higher Education NEW YORK ( CNN / Money ) - Tuition at the most expensive four - year college is up only 2.7 percent from last year . But a small increase on an already big number is still gob - smacking . Landmark College , the school with the priciest tuition since at least 1998 , is charging $ 37,738 for tuition this year , according to data from the Chronicle of Higher Education . That ' s up $ 11,238 , or 42 percent , from 1998 . Of course , not everyone is aiming to go to Landmark , a school in Putney , Vt . that provides a liberal arts education to kids with learning disabilities and attention - deficit / hyperactivity disorder . But the price tag is n ' t that much lower at the other nine schools that charge the highest tuition . George Washington University in Washington , D.C. ranks No . 2 with a tuition of $ 36,400 , up 7 percent from last year . The No . 3 school , the University of Richmond in Virginia , is charging $ 34,850 , up a whopping 31.4 percent from last year . The school ' s trustees cited several factors for the hike , but said it " will use a sizeable portion of the increased tuition revenue to continue its policy of meeting 100 percent of a student ' s demonstrated financial need . " Sixty - five percent of the school ' s undergrads receive some form of financial aid , and the school places a $ 4,000 - per - year cap on loans and work - study funding , which means the rest of a student ' s need would be met with grants , which do n Indeed , student aid is one of the reasons why costs have been rising at so many schools . So is the competitive drive to offer state - of - the - art facilities and increased healthcare costs for faculty and staff . Meanwhile , Sarah Lawrence in Bronxville , N.Y. and Kenyon College in Gambier , Ohio each charge roughly $ 34,000 , a year - over - year increase of 5 percent at Sarah Lawrence and 5.5 percent at Kenyon . Poughkeepsie , N.Y. - based Vassar College , No . 6 on the list , posts a tuition of $ 33,800 , up 7.8 percent from last year . And to those who have n ' t heard of Simon ' s Rock College of Bard , No . 9 on the list , it ' s a college in Great Barrington , Mass . geared to students of high school age who typically have completed 10th or 11th grade . See correction . ) What about State U . ? For students attending public colleges and universities , the tuition bills are significantly lower than those at private institutions if you ' re an in - state student . The tuition at the top 20 most expensive public schools ranges from $ 12,500 to $ 10,200 . But for out - of - state students , the price tag can be far steeper and on par with the cost of many private institutions . The University of Michigan at Ann Arbor , for instance , charges $ 27,601 in tuition to out - of - state students , making it the No . 1 most expensive public school for out - of - state students . Others in the top 5 are University of California at Davis , with a tuition of $ 25,277 ; University of Vermont , which charges $ 24,934 ; University of California at Santa Barbara , where out - of - state students pay $ 24,813 ; and University of California at Santa Cruz , where the tuition totals $ 24,769 . Tuition costs , of course , are not the whole nut . Including room and board , it costs an average of $ 29,026 to attend a four - year private college , and $ 12,127 to go to a four - year public university , according to the latest data from the College Board . As is the case at the University of Richmond , a majority of students do n ' t end up paying full - fare . Sixty - three percent of students receive some form of aid - - through loans , grants , work - study , tax benefits or all four . Loans , of course , will eventually come due . But grants and tax benefits are money that does n ' t need to be repaid . On average , full - time students at private institutions get $ 9,600 in grants and tax benefits , while at four - year public schools , they receive an average of $ 3,300 , according to the College Board . For more on the College Board ' s findings , click here Find the cost of any four - year college Correction The article originally stated that Simon ' s Rock is " geared exclusively to students who completed high school early . " In fact , it is geared toward students who completed the 10th or 11th grade , but did not receive a high school diploma . CNN / Money regrets the error . ( Return to story . ) The workplace is full of pitfalls , from everyday faux pas like spilling a drink at an important lunch to a major crisis like sending a confidential e - mail to the entire staff . For an upcoming feature , MONEY magazine would like to hear how you handled a potentially embarrassing work situation . To be considered , e - mail your story to Donna Rosato at drosato @ moneymail . com For an upcoming feature , MONEY magazine would like to profile a stay - at - home mom trying to re - enter the workforce ( or someone who has recently made the transition ) . To be considered , e - mail your story to Kate Ashford at kate_ashford @ moneymail . com	[ "NEW YORK", "CNN", "Landmark College" ]
http://money.cnn.com/2007/05/04/autos/general_lee_ebay_record/index.htm	' General Lee ' auction ends at almost $ 10M If bids are real , 1969 Charger owned by actor John Schneider has sold at close to a record for any car . By Peter Valdes - Dapena , CNNMoney . com May 4 2007 : 10 : 33 PM EDT NEW YORK ( CNNMoney . com ) - - If the bids are real - and the eBayMotors . com auction was stopped once for fake bidding - a modified 1969 Dodge Charger , painted to look like the General Lee from the TV Show " The Dukes of Hazzard , " nearly became the most expensive car ever auctioned . The auction closed at $ 9,900,500 at 1 : 00 pm Friday . That puts it just $ 1.1 million away from the $ 11 million paid for a 1931 Bugatti Type 41 Royale Sports Coupe sold by the auction house Christie ' s in 1987 . To date , that is the highest price ever paid for a car at auction , according to Christie ' s . John Schneider with the General Lee " Parade of Generals " at the 2006 DukesFest The car was used in the show , which typically went through several cars per episode during its 6 - year production run in the early 1980s . But this one is owned by John Schneider , who played Bo Duke in the series , a role that was only slightly less central than that of the car . " I ' m excited as I can be but I ' m not going to believe it until my banker calls and says ' buy me a beer ' , " said Schneider after the auction ended . As the auction progressed , eBay officials contacted several of the top bidders and were assured that their bids were genuine and that the bidders could afford the millions they were bidding , said eBay spokeswoman Catherine England . A winning bid on eBay consititutes a legally binding contract , England said . After an earlier run - up in the bidding which went as high as $ 6.7 million , eBay officials disqualified several bids as facetious . After that , all bidders on the car were required to register before bidding . The car was also used in the 2000 TV Movie " The Dukes of Hazzard : Hazzard in Hollywood , " a Dukes reunion film . Recently , it had a central role in the movie " Collier & Co . , Hot Pursuit , " a limited - release film produced by , directed by , distributed by and starring Schneider . Schneider decided to auction the car in order to finance production of a sequel to that film . Asked if the price may have gone so high because bidders wanted to help Schneider makes his next film , Scheider replied : " They sure were n ' t around the first time I was trying to raise money . " Ordinarily , a production - used General Lee would be worth about $ 150,000 to $ 200,000 , said McKeel Hagerty , president of Hagerty Insurance , a collector car insurance company . About 20 of those are known to exist in reasonably good condition . The opportunity to buy the car from " Bo Duke " himself would add some value , he said . But not millions of dollars . " There is no basis in my experience in the collector car world to justify that kind value , " Hagerty said of the eBay bids . At the time Hagerty made that statement , bids for car had reached only $ 2.7 million . Schneider owned the car even before its use in " The Dukes of Hazzard . " He leased it to Warner Bros . for its original on - screen appearances . The car has been extensively modified since then . " I do something nice for the General about once a year , " said Schneider . The car now has a 725 horsepower Hemi motor , Dodge Viper brakes and a roll cage , all of which allow it to race at over 200 miles per hour . Unlike the those on the TV character General Lee , this car ' s doors do open . There is a scratch near the driver ' s side window where Schneider , as Bo Duke , jumped into the car . Schneider left the scratch , figuring it only increases the car ' s value . " On a scale of coolness of 1 to 10 , " said Schneider , " this has got to be a 12 . " " The Dukes of Hazzard " centered around Bo Duke and his cousin Luke , played by Tom Wopat , working to undo the evil plans of the powerful and corrupt J.D. " Boss " Hogg , played by the late Sorrell Booke . Every episode included at least one spectacular car chase over the dirt roads of the fictional Hazzard County , Georgia . " It speaks to the passion around the show and how iconic the General Lee is , " said Andy Holeman , vice president of consumer marketing for Country Music Television , said of the auction when bids had reached $ 2.7 million . CMT airs nightly reruns of the show and sponsors the annual DukesFest in Nashville Tenn . , an event that last year attracted 70,000 people and about 150 cars painted to look like the General Lee . This year about 200 " General Lees " are expected at the June 2 - 3 event . " The show , the car , is a phenomenal thing that is embedded in the American consciousness , " said Ben Jones , the actor who played the mechanic Cooter Davenport on the show . He also served as a congressman . In a 2004 survey conducted by Hagerty Insurance the General Lee was named America ' s most popular TV or movie car . The second most popular was the 1968 Mustang driven by Steve McQueen in the movie " Bullitt . " Bidding on Schneider ' s General Lee closed at about 1 : 00 pm eastern time on Friday . When production on Schneider ' s planned " Collier & Co . " sequel gets rolling , Schneider said , he ' ll have to start gathering all the pieces . " My first call has got to be to the people who own the car , " he said on Thursday . He ' ll need to rent it back from them . Top 10 movie and TV cars ( March , 2004 ) Chrysler to make hybrids with Hemis SAVE \| EMAIL \| PRINT REPRINT	[ "General Lee", "auction", "Christie 's" ]
http://money.cnn.com/2011/04/26/smallbusiness/russell_simmons_small_business/index.htm	CNNMoney . com > Small Business > The Ultimate Small - Business Resource Guide Russell Simmons : Getting rich is so simple Russell Simmons , a business mogul , tells small businesses they can be rich , too , by following spiritual principles . By Tania Padgett , small business editor April 26 , 2011 : 2 : 56 PM ET NEW YORK ( CNNMoney ) - - Russell Simmons , business mogul , activist and best - selling author , has a message for small business owners . He ' s a small business owner , too , and getting rich is a lot easier than people think . That might be hard for most to believe . Simmons , the founder of Def Jam Recordings and the Phat Farm clothing empire , successfully sold those companies for more than a hundred million dollars apiece years ago . He now heads up Rush Communications , a holding company for his financial , media and fashion businesses . Email Print The mega entrepreneur ' s net worth is reportedly $ 340 million . Despite this , Simmons still views his current businesses as small . UniRush Financial , Inc . offers financial products , such as prepaid debit cards , aimed at the low - income and middle - income market . His Simmons Lathan Media Group is a media firm focusing on hip - hop and urban content . Simmons American Design Group is a company focusing on fashion for Macy ' s , Wal - Mart and retail trading group Li & Fung . They are nowhere near the size of Def Jam or Phat Farm , said Simmons . " I am still trying to grow them . " Businesses that Succeed And he has no doubt that these companies will thrive . In his latest book " Super Rich : A Guide to Having It All , " Simmons says that a positive attitude , passion and openness to wealth - - both spiritual and material - - are some of the qualities needed for entrepreneurial success . Small business owners be warned : This is not your conventional how - to small business manual . " Super Rich " is not a book about business plans , raising capital or restructuring business models during recessionary times , Simmons said . It ' s a guide to " spiritual enlightenment , " which is the surest path to wealth , he said . Some reviewers have knocked the book for being light on business advice and long on metaphysical talk . Simmons dismissed the criticism , adding that entrepreneurs are always approaching him at book signings to thank him for the advice in the book . And for people who do n ' t think " Super Rich " is good ? " Whatever , " Simmons said , shrugging his shoulders . " Do you , baby . " Simmons offered the following advice for all entrepreneurs : young , old , big and small . • Do a business you believe in : " I ' m an entrepreneur who is moved by passion , but not numbers . I am constantly being approached with business ideas that will make money , but if I do n ' t believe in the business , I wo n ' t do it , " said Simmons . • Be passionate about what you do . • " Stay on your hustle , " said Simmons . " Do n ' t quit . " • Give away your business products and services for free . " If you are a good giver , you will be great getter , " Simmons said . " The less you need , the more you attract . " • Find businesses that lift people up . • Do n ' t worry about the results . Focusing on results distracts the entrepreneur , from building his or her business , said Simmons . • " Quiet the mind , " said Simmons . The entrepreneur who has a still mind is the entrepreneur who can do anything , he said . Print Email Kids music : 5 cool , profitable bands Who pays Charlie Sheen ? Ask Ad . ly Kate Middleton : A family business that built a princess First Published : April 26 , 2011 : 11 : 39 AM ET Right Now 7 things to know before the bell SoftBank and Toyota want driverless cars to change the world Aston Martin falls 5 % in its London IPO Questions & Answers Latest Small Business Question Ask a Question How to profit when buyers are broke How does a florist sell more in this economy ? We changed our business to designing weddings and events only , as the everyday flowers are not selling . We had to throw out too much product at the end of the week - - flowers are perishable ! More - The Flower Lady , Suwanee , Ga . 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http://money.cnn.com/2011/05/11/news/economy/healthcare_costs_family/index.htm	Your family ' s health care costs : $ 19,393 By Parija Kavilanz CNNMoney May 11 , 2011 : 3 : 45 PM ET Health care costs for a family of four have doubled in less than a decade from $ 9,235 in 2002 to over $ 19,000 in 2011 . NEW YORK ( CNNMoney ) - - Health care costs for a family of four rose again in 2011 , with employees paying a much larger share of the rising expenses , according to a new industry report Wednesday . American families who are insured through their jobs average health care costs of $ 19,393 this year , up 7.3 % , or $ 1,319 from last year , according to independent actuarial and health care consulting firm Milliman Inc . More significantly , employers are making workers shoulder an even bigger share of total health care expenses . Of the $ 1,319 annual increase , workers ' out - of - pocket costs this year rose 9.2 % . That was more than the 6.6 % increase the prior year . Payroll deductions for insurance coverage rose 9.3 % this year , also more than the year before . However , employers ' share of workers ' health care costs fell 6 % in 2010 , compared to 8 % the year prior . Of the $ 19,393 overall annual cost , employees ' share is inching closer to 50 % , said Lorraine Mayne , principal and consulting actuary with Milliman . " Employees are paying $ 8,000 of the $ 19,000 . That ' s a decent amount much larger than other areas of consumer spending , " said Mayne . " What we ' ve observed in the past few years is employers have increasingly been offering health plans with higher deductibles and co - insurance , co - payment limits , " she said . Health care ' s hidden costs : $ 363 billion Companies are doing this in order to control their own costs and to force workers to use medical care more selectively , she said . Health reform so far has had very limited impact on curtailing these costs , said Mayne . While reform ' s new provisions such as eliminating lifetime benefit limits and removing copays on preventive care have changed rules for who pays for cost of care , they have n ' t made any impact on the total costs of care , she said . Most expensive parts of your health care : The report showed that physician costs represent 33 % of a family ' s overall health cost . Elsewhere , hospital inpatient costs account for 31 % , out patient costs 17 % and pharmacy costs 15 % and other expenses such as for medical equipment about 4 % . Health care : Big change in drug costs for seniors Milliman also looked at 14 cities across the United States where health care expenses are substantially higher than the national average . Among them , Miami , New York City , Chicago and Boston ranked as the top four where health care costs for an insured family of four is more than 100 % higher than the national average of $ 19,393 . But those same costs in Phoenix , Atlanta , and Seattle are under $ 19,000 , the report said . The Milliman Index is based on industry data and a survey of more than 4,000 employers . First Published : May 11 , 2011 : 12 : 07 PM ET	[ "CNNMoney", "Health care" ]
http://money.cnn.com/2012/05/03/news/companies/spirit-airlines-fees/index.htm	Spirit Air to charge up to $ 100 for carry - on bags By Aaron Smith @ CNNMoney May 3 , 2012 : 3 : 45 PM ET Spirit Airlines will charge $ 100 for carry - on baggage purchased at the gate , starting Nov . 6 . NEW YORK ( CNNMoney ) - - Spirit Airlines will raise its fee for carry - on bags to up to $ 100 , becoming the first U.S. airline to charge so much for a service that most other airlines offer for free . Spirit said on its website that the new fees apply to carry - on bags registered at the gate and will become effective Nov . 6 . Until that time , Spirit will continue to charge $ 45 . " We do n ' t want any of our customers to wait until they get to the boarding gate to pay for their carry - on bags as this delays the boarding process for everyone , " said Misty Pinson , a Spirit Air spokesperson . " We expect that our new $ 100 fee charged for those who wait until they get to the gate will ensure that customers purchase their bags before arriving at the gate , " she said . According to its website , Spirit passengers can save money by paying the fees in airport kiosks , which charge $ 40 for a carry - on bag , a fee that will rise to $ 50 on Nov . 6 . On that day , Spirit Airlines will be raising a wide swath of fees for checked luggage and other services . Tom Parsons , chief executive of Bestfares . com , referred to the carry - on baggage fees as " skyway robbery . " " Many people wo n ' t realize the fee until they get to the gate , " said Parsons . But he added that most people will ditch the line and go back to a kiosk to avoid paying the extra money . Baggage fees are among the airline industry ' s so - called ancillary fees . In recent years , many airlines started charging fees for services that used to come for free , like pet travel and non - alcoholic drinks . Some airlines , like the European carrier Ryanair , charge low base fares and seek to make their money through a plethora of fees . But airlines Southwest ( LUV Fortune 500 ) and JetBlue ( JBLU ) do not impose fees for carry - ons , or for the first checked bags . In addition , Southwest does n ' t charge for the second checked bags . The airline industry began to adopt the new fees in 2008 to try and take the sting out of rising fuel prices . The fees can bring in billions of dollars for the industry . Climbing fuel costs have put the squeeze on Spirit so far this year . In its first quarter earnings report on May 1 , Spirit said that its fuel expenses had jumped dramatically to $ 108 million , compared to $ 81.5 million in the year - ago quarter . In its 2012 earnings statement , Spirit did not break out revenue from baggage fees . But the airline reported revenue of over $ 121 million - - about 40 % of its total revenue - - from ancillary fees , which include baggage fees . The airline industry has struggled in recent years , prompting some carriers to consolidate to become more competitive . American Airlines , which went into bankruptcy last year and lost $ 1.7 billion in the first quarter , faces a possible merger with US Airways ( LCC Fortune 500 ) . The last big airline merger was completed in 2010 , when United Continental Holdings ( UAL ) was formed . First Published : May 3 , 2012 : 2 : 41 PM ET - - >	[ "Spirit Air", "carry-on bags" ]
http://money.cnn.com/2012/05/14/technology/facebook-ipo-one-share/index.htm	The Facebook IPO How to buy 1 share of Facebook stock By Stacy Cowley @ CNNMoneyTech May 14 , 2012 : 1 : 18 PM ET Facebook ' s IPO documents included this rendering of what its paper stock certificate will look like . NEW YORK ( CNNMoney ) - - The typical way to buy stock in a publicly traded firm is to open a brokerage account and place an order . But for those who want to own just one ceremonial share of a company , there ' s an easier , if sometimes pricier , way : You can buy through websites that specialize in " one share " transactions . The operators of those sites say they expect Facebook to become one of their most popular stocks once it begins trading publicly . That ' s currently on track to happen this Friday " It interests people who are not ordinarily interested in the stock market , " says Rick Roman , the founder of GiveAShare . com . " We ' ve been getting people asking about it for a year . " Sites like GiveAShare . com and OneShare . com are careful not to market themselves as places for serious investors . Stocks are risky , and any gains on a single share are likely to be tiny . Instead , the sites cater to more casual fans of the companies ' brands . They also offer something traditional brokerages rarely do : paper stock certificates , suitable for framing and showing off . Companies are n ' t required to offer paper stock certificates , and a shrinking number of them do . Apple , for example , stopped issuing paper certificates in late 2010 . Roman says he was surprised and delighted when Facebook , which will trade under the ticker ( FB ) , revealed in its IPO paperwork that it will make paper certificates available . ( Citing pre - IPO " quiet period " regulations , a Facebook representative declined to comment on the company ' s decision to issue paper shares . ) Both GiveAShare . com and OneShare . com plan to begin offering Facebook shares for sale as soon as the stock starts trading . Like other retail investors , they ' ll be buying shares at whatever the market price is , which is likely to be much higher than the offering price . Roman , who typically updates the stock prices on his site just once a week , says he expects to adjust Facebook ' s price several times on its first trading day . Buying through a one - share site is generally more expensive for customers than buying through a broker . Both GiveAShare . com and OneShare . com charge a $ 39 fee for their services , which include buying the share and procuring the paper stock certificate . Take Disney as an example . It ' s by far the most popular stock on both sites , thanks to its brand recognition and its colorful , cartoon - filled stock certificate . A single share of Disney ( DIS Fortune 500 ) cost $ 45.56 at market close on Friday . Buying one through GiveAShare . com currently costs $ 82 , or $ 84.28 through OneShare . com . Neither site prices its shares in real - time , so their price is typically slightly out of sync with current market prices . " We think of ourselves as selling a product , not a stock , " Roman said . " If the current share price is a few dollars higher than ours , we ' ll eat the difference . " The stock customers receive is a fully legal share with all the attached rights . An investor can attend shareholder meetings , and if companies pay a dividend , they ' ll get regular checks for the earnings ( often just pennies ) on their single share . They ' ll also get a paper stock certificate , though that takes a few weeks to process and ship . The cheapest option is to stick with a bare - bones cardboard frame for your certificate , but almost no one does that . OneShare . com CEO Lance Lee says that around three - quarters of his customers upgrade to a fancier package . GiveAShare is introducing a " new , improved " frame - - " it ' s larger and shows off the certificate better , " Roman says - - specifically for Facebook shares . Customers can customize it with messages like " MARK ZUCKERBERG WORKS FOR ME ! OFFICIAL FACEBOOK SHAREHOLDER . " Facebook ' s stock certificates will actually be generated by its transfer agent , the company in charge of keeping track of shareholder records . Facebook ' s transfer agent , Computershare , declined to say how long it will take to get Facebook ' s stock certificates ready , but Roman says it typically takes three to seven weeks for a certificate to ship , plus an extra two or three weeks for newly public companies . To appease eager new shareholders , his company is prepping a welcome kit for Facebook buyers . GiveAShare . com will first send out a " realistic color copy " of Facebook ' s stock certificate , based on the rendering the company included in its IPO documents . " It becomes a placeholder until they have a tangible item , " he says . The actual , legal stock certificate will arrive a few months later . What happens if someone later wants to sell their single share ? Getting out is trickier than getting in . To unload , customers would need to deposit their share with a stockbroker and work through them . They would also have to surrender their paper certificate . " I have to admit that we have been getting more calls and e - mails about people wanting to sell the Apple stock that they bought from us a long time ago , " Roman says . Apple ( AAPL Fortune 500 ) shares that sold for $ 5 around 15 years ago are now worth $ 566.71 , based on the stock ' s Friday closing price . " The interesting thing is that the certificate has collectible value , so it ' s hard to give up , " he adds . OneShare . com ' s Lee echoed that view . " People who are buying one share typically never sell it , " he says . " For the underlying company , it shows true brand loyalty . " First Published : May 14 , 2012 : 10 : 04 AM ET	[ "Facebook stock", "CNNMoney", "brokerage account" ]
http://money.cnn.com/2012/06/27/technology/google-glasses/index.htm	Google glasses are $ 1,500 - and you ca n ' t have them By David Goldman @ CNNMoneyTech June 27 , 2012 : 9 : 37 PM ET SAN FRANCISCO ( CNNMoney ) - - Google ' s science - fiction - like virtual reality glasses will start shipping next year with a price tag of $ 1,500 - - but most buyers wo n ' t be able to get their hands on a pair just yet . The under - development glasses , a stealth project hatched in the company ' s mysterious Google X lab , are still buggy , Google co - founder Sergey Brin said Wednesday at Google ' s I / O developer conference . Google also faces regulatory hurdles that prevent the glasses from being shipped anywhere but the United States . So for now , only U.S. - based attendees of this week ' s I / O developers conference will be eligible to buy the " Google Glass Explorer Edition . " Those who want the glasses can pre - order today and will get the gadget early next year . Expect some wild bidding for secondhand sales on eBay . Google made the glasses a focal point of I / O ' s opening day keynote . A parachute team jumped out of a blimp wearing the glasses , then turned the spotlight over to a group of glasses - equipped BMX bikers who tore across the roof of San Francisco ' s Moscone Center . A rapeller finished the demo by scaling down the walls of the conference center . The whole time , a livestream broadcast their point - of - view to attendees in the conference hall and on a Google+ hangout . " This is pretty wild , " Google cofounder Sergey Brin , wearing his own pair of Google glasses , told the standing - room - only crowd . " I ' ve never seen that perspective before . " He later added : " I ' m so glad all that worked . I was n ' t really expecting it to . " The small " Project Glass " team explained how the project evolved over the past three years from a bunch of wires and computers connected to giant ski goggles to a slimmed - down form factor that weighs less than most sunglasses . The glasses contain a powerful processor , multiple microphones , a small speaker , a camera , a number of wireless radios and a number of sensors , including gyroscopes that make the glasses " aware " of their location in the broader physical world . But Brin and his team did n ' t show the crowd much of what the glasses are supposedly capable of . Though the first - person perspective was unique , even Brin admitted that it was " only part of what a computer can do . " If the glasses are n ' t ready to be sold , why go through such a spectacle to demonstrate them ? Brin said the crowd of developers gathered at I / O is among " the smartest and most creative in world , " and the Project Glass team wants their input . " You can help us think about new possibilities , " Brin said . " We ' re a pretty small team , so there ' s only so much time to try various kinds of functionalities . " Google also unveiled on Wednesday its new Nexus 7 tablet , a device that aims more at Amazon ' s Kindle Fire than Apple ' s iPad . Designed by Google ( GOOG Fortune 500 ) but built by Taiwan ' s Asus , the seven - inch tablet will sell for just $ 199 . It is available now for pre - order in the Google Play market and will begin shipping in mid - July . First Published : June 27 , 2012 : 3 : 15 PM ET	[ "Google glasses", "BMX biker", "San Francisco 's Moscone Center" ]
http://money.cnn.com/2012/07/18/news/economy/amazon-sales-tax/index.htm	Get ready to pay sales tax on Amazon By Tami Luhby @ CNNMoney July 18 , 2012 : 10 : 55 AM ET NEW YORK ( CNNMoney ) - - Attention Amazon shoppers : Be prepared to pay more when you purchase goods , depending on where you live . The online retail giant will start charging sales tax in eight additional states in coming years , starting with California and Pennsylvania in September , as it puts down physical roots in more places . Amazon already collects sales tax in six states . That means many customers will have to dig a little deeper into their pockets when buying on the Internet , which some people see as a refuge from sales taxes . California residents , for instance , might have to pay as much as $ 9.75 in additional levies on a $ 100 purchase , depending on where they live in the state . Customers in Philadelphia , meanwhile , would find an additional $ 8 tax on their bill . Collecting sales taxes is a turnaround for Amazon ( AMZN Fortune 500 ) , which had long fought states ' attempts to force e - tailers to deal with such levies . States estimate they lose $ 23 billion in annual sales taxes , some $ 11.5 billion of it from online purchases , according to the National Conference of State Legislatures . Brick - and - mortar retailers have also pushed hard to have Amazon and other web merchants collect sales taxes , which the physical stores say level the playing field . Amazon instead sought to have Congress settle the issue . It is backing the Marketplace Fairness Act , which would allow states to collect sales tax from out - of - state businesses . " Amazon believes the sales tax issue needs to be resolved at the federal level and we ' re actively working with the states , retailers and Congress to get federal legislation passed , " said Scott Stanzel , an Amazon spokesman . Other online merchants , however , oppose the legislation . The consortium , called NetChoice , includes Yahoo ( YHOO Fortune 500 ) , AOL ( AOL ) , Facebook ( FB ) , Oracle ( ORCL ) , Overstock . com ( OSTK ) , NewsCorp ( NWS ) , IAC ( IACI ) , Expedia ( EXPE ) and eBay ( EBAY ) . Related : Who ' s who in mobile payments Amazon is also expanding its physical presence across the United States , building warehouses and distribution centers . The company is looking to offer same - day delivery to more customers , according to a report in the Financial Times . Amazon declined to comment on the matter . In exchange for bringing thousands of jobs to various states , the company is negotiating delays in collecting sales tax in those locations unless federal legislation is enacted sooner . California , for instance , agreed last fall to push back the requirement that Amazon collect tax until Sept . 15 . In exchange , the company agreed to create at least 10,000 full - time jobs and hire 25,000 seasonal employees in the Golden State by the end of 2015 . Similar deals exist around the country . In New Jersey , Amazon will build two distribution centers - - hiring more than 1,500 full - time employees and thousands of temporary and construction workers - - in exchange for not collecting sales tax until July 2013 . Tennessee , meanwhile , will receive $ 350 million in capital investment and see 3,500 full - time jobs created . Amazon will not begin to collect sales taxes there until January 2014 . And Amazon just began collecting sales taxes in Texas this month , settling a spat that began in 2010 when the state sent Amazon a bill for $ 269 million in uncollected taxes , including interest and penalties . The company will also create at least 2,500 jobs in Texas over the next four years . Will you stop shopping at Amazon if you have to pay sales tax ? Is this issue important to you ? Tell us what you think at realstories @ cnnmoney . com and you could be profiled in an upcoming story . Please include a contact phone number . Mortgage & Savings Center Mortgages Home Equity Loan Insurance Credit Cards CDs Overnight Avg Rate Latest Change Last Week 30 yr fixed 4.03 % 4.05 % 15 yr fixed 3.47 % 3.51 % 5 / 1 ARM 3.99 % 4.01 % 30 yr refi 4.02 % 4.06 % 15 yr refi 3.47 % 3.51 % Rate data provided by Bankrate . com View rates in your area Today ' s featured rates : 30 yr fixed mtg , 0 points , Los Angeles , CA , APR 4.625 % 30 yr fixed mtg , 0 points , Los Angeles , CA , APR 4.625 % 30 yr fixed , 0 points refi , Elizabeth , NJ , APR 4.625 % 30 yr fixed , 0 points refi , Elizabeth , NJ , APR 4.750 % 15 yr fixed mtg , 0 points , Orlando , FL , APR 3.875 % 15 yr fixed mtg , 0 points , Orlando , FL , APR 4.000 % 5 / 1 ARM , 0 points , Houston , TX , APR 3.125 % 5 / 1 ARM , 0 points , Houston , TX , APR 3.250 % 30 yr jumbo , 0 points , Cleveland , OH , APR 5.500 % * Rates subject to change Job Search Accounting jobs Engineering jobs Finance jobs Management jobs Marketing jobs Sales jobs See all jobs - - >	[ "Amazon", "sales tax", "CNNMoney" ]
http://money.cnn.com/2013/04/16/news/economy/cigarette-smuggling/index.html	The lucrative business of cigarette smuggling by Steve Hargreaves @ hargreavesCNN April 16 , 2013 : 10 : 00 AM ET Cigarette smuggling is on the rise as taxes soar in some states but remain low in others . This pack from Virginia was bought in New York City for $ 8 , a discount off the local going rate of around $ 12 per pack . Wanna make a quick $ 1,944,000 ? Buy a truckload of cigarettes in Virginia and sell them in New York . Yeah , it ' s illegal . But that ' s how much can be made from selling a tractor trailer ' s worth ( that ' s 800 cases , each holding 600 packs of cigarettes ) of low - tax Virginia cigarettes in high - tax New York , based on estimates from the Bureau of Alcohol , Tobacco , Firearms and Explosives . And that ' s exactly what criminals are doing . In 2011 , more than 60 % of all cigarettes sold in New York were smuggled in from another state , according to the Mackinac Center for Public Policy , a free - market think tank . That ' s up from about 36 % in 2006 . It ' s not just happening in New York . Mackinac says 15 states have smuggling rates that top 20 % . Add in counterfeit cigarettes from overseas , and ATF estimates the lost government revenue at more than $ 5 billion a year . Mackinac and others pin the blame on rising state taxes , and say things could get even worse if President Obama ' s proposed 94 - cent - a - pack cigarette tax hike goes through . Anti - smoking groups say the smuggling numbers are inflated , and that the public health benefits of fewer smokers - - the ones dissuaded by pricey packs - - far outweigh any lost revenue or other effects of smuggling . The ring : The Virginia - New York corridor is perhaps the most popular , as the big difference in taxes and the states ' close proximity make it an attractive route for criminals . In Virginia , the state taxes are 30 cents . In New York , they ' re $ 4.35 . New York City tacks on an extra $ 1.50 , taking the tax bill to $ 5.85 per pack - - the highest rate in the nation . " We ' ve had people trading our undercover agents kilos of cocaine for cigarettes , " says Mike Campbell , a spokesman for ATF . " That ' s how lucrative it is . " Related : Obama calls for cigarette tax hike of 94 cents a pack While Virginia - New York gets most of the attention , Campbell says trafficking rings run cigarettes from many of the low - cost states to most of the high ones . Virginia to California and North Carolina to Michigan are other popular routes . The perpetrators range from mom - and - pop operators all the way up to international terrorists , according to Campbell . Convenience store owners cross state lines to fill car trunks , while Asian and Russian mobsters smuggle by the truckload . In 2002 , Mohamad Youssef Hammoud was convicted of funneling profits from a North Carolina smuggling ring to the Lebanese terrorist organization Hezbollah . Armed hijackings of cigarette trucks have taken place , Campbell says , and contract killings have been ordered . The quantity of counterfeit cigarettes coming into the country from overseas , mostly from China , is also rising . The knockoffs are particularly irksome to the tobacco companies , and could pose an even greater danger to consumers than regular cigarettes . " You have no idea what ' s in the product , " says David Sutton , a spokesman for Altria MO , which makes Marlboro and other cigarettes . The smoky world of electronic cigarettes Rat droppings , rabbit feces and dirt have all been found in counterfeit smokes , says Sutton , who notes that the manufacturing often takes place in old factories , caves or underground . Legit cigarettes from Mexico and other markets are also smuggled into the U.S . " We ' ll see a lot more of these rolling into the country if the excise tax goes up , " says Michael LaFaive , director of fiscal policy at Mackinac , which gets much of its funding from corporations , including Altria Public health advocates say that ' s no reason to oppose the tax . Higher cigarette prices encourage people to quit : Smoking rates dropped 10 % after a 62 - cent - a - pack federal tax hike in 2009 . And smoking costs society a lot of money - - nearly $ 200 billion annually in medical bills and lost productivity , according to the Centers for Disease Control . Not to mention nearly a half million lives lost each year . " Smuggling does exist , but are we going to give up a really great tax over the fact that a few will slip through the cracks ? " asks Patrick Reynolds , the grandson of tobacco magnate R.J. Reynolds , who became an anti - smoking advocate after his father died from emphysema . " It wo n ' t be perfect , but it will be better than it is now , and it will prevent a lot of kids from starting smoking . " CNNMoney ( New York ) First published April 16 , 2013 : 9 : 04 AM ET Comments	[ "lucrative business", "cigarette smuggling" ]
http://money.cnn.com/2013/07/01/news/economy/medicaid-expansion-states/index.html	States forgo billions by opting out of Medicaid expansion by Tami Luhby @ Luhby July 1 , 2013 : 5 : 31 AM ET Nearly half the nation ' s states are opting not to expand Medicaid to all of their low - income residents , leaving billions of federal dollars on the table and millions of poor Americans uninsured . At least 21 states are opting out of Medicaid expansion for next year . In another six states , legislators are still weighing their options , according to the Kaiser Family Foundation , which is tracking the states ' plans . The Supreme Court changed the Obamacare rules last June when it decided that governors and lawmakers could opt out of widening their Medicaid rosters . Under the original health - care reform law , all those earning less than 138 % of the federal poverty line , or roughly $ 31,800 for a family of four , would have been eligible for Medicaid . Medicaid rules currently vary from state to state , but many states provide little to no coverage of childless , non - disabled and non - elderly adults . A number of governors , particularly in red states , have stood their ideological ground and chosen not to expand , citing concerns about the additional financial burden . The federal government will pay for 100 % of the expansion for the first three years , then gradually reduce its subsidy to 90 % by 2020 . Some governors have said that expansion would involve additional costs that they could n ' t afford and enlarge a program that they consider broken . In many states , however , various analyses show that states would stand to gain millions of dollars by expanding the program , at least initially . Take the 14 states that were quick to declare they would not expand . They will lose a total of $ 8.4 billion a year in federal payments in 2016 , according to a June report from Rand Corp . While states will need to cover a portion of the Medicaid costs after that , they are likely to make it up through new tax revenue spurred by the additional federal spending , according to Carter Price , co - author of the report . In Michigan , a report by the University of Michigan and Blue Cross Blue Shield of Michigan found that the state would save about $ 1 billion over 10 years if it expanded Medicaid . Most of the benefits come in the early years , with the state having to shell out funds starting in 2020 . Though Michigan ' s Republican Governor Rick Snyder pushed hard for expansion , his peers in the state legislature blocked it . Different researchers included different measures when estimating savings in their states . Some stuck purely to the payments from the feds , while others looked at savings from reducing state programs aimed at the indigent , such as mental health counseling and substance abuse treatment . And some looked at the indirect benefits , such as the additional jobs and tax revenues likely to come from higher federal funding . " You ca n ' t make an economic case against expansion , " said John Holahan , a fellow at the Urban Institute . In Virginia , state officials estimated the state would have to spend $ 137 million over 10 years were it to expand Medicaid . But if you take additional tax revenue into account , that figure shifts to a savings of $ 555 million , according to a study by the Commonwealth Institute , which advocates for low - and moderate - income Virginians . The state has opted not to expand Medicaid at this time , but established a committee to study it further . The financial benefits spurred several GOP governors , including Rick Scott in Florida and Jan Brewer of Arizona , to break ranks with their peers and endorse Medicaid expansion . Brewer was successful , but Scott was stymied by Republican legislators who refused to adopt the program . Medicaid expansion will take place in the GOP - led states of Nevada , New Mexico , New Jersey , Iowa and North Dakota . It remains questionable in Ohio , Indiana , Pennsylvania and Tennessee . Conservatives are unswayed by the argument that states will benefit from increased federal spending . " Expanding Medicaid is not the path to economic growth that anybody should want , " said Joe Antos , a health care scholar at the right - leaning American Enterprise Institute . " It ' s an inefficient way to create jobs . There are a lot of better ways to stimulate the economy . " Also , Antos points out , the states themselves will not receive the federal funds . The money will be given to hospitals and providers , but after 2016 , states will have to start contributing their own funds to the program . What happens to impoverished citizens in states that do n ' t expand ? The most likely answer is that they ' ll slip through the cracks and remain without health insurance . Some of these folks will be eligible for subsidies to buy individual health insurance on state - based exchanges . But those with income below the poverty line can not receive subsidies , because the Affordable Care Act intended for them to be covered through Medicaid . If their state opts out , they ' re stranded . ( They also will not be subject to financial penalties for not having insurance . Those penalties begin at $ 95 per adult in 2014 and increase in later years . ) As it stands now , an estimated 11.5 million uninsured , non - elderly , poor adults live in states that have opted out , according to research from the Urban Institute . State officials can change their mind and join the Medicaid expansion in the future . But next year , many poor Americans will not be able to participate in Obamacare . " They are giving up significant federal funding and the chance to cover their neediest citizens , " said Kathy Gifford , managing principal at Health Management Associates , a research and consulting firm . CNNMoney ( New York ) First published July 1 , 2013 : 5 : 31 AM ET Comments Personal Finance The Motley Fool Paid Partner LendingTree Paid Partner NextAdvisor	[ "Medicaid", "expansion" ]
http://money.cnn.com/2013/12/10/news/companies/bernard-madoff-ponzi/index.html	Five things you did n ' t know about Bernie Madoff ' s epic scam by Aaron Smith @ AaronSmithCNN December 11 , 2013 : 9 : 07 AM ET This week makes the fifth anniversary of the arrest of Ponzi mastermind Bernard Madoff , shown here leaving federal court in New York in 2009 . This week marks the fifth anniversary of the arrest of Bernard Madoff , mastermind of the most notorious Ponzi scheme in history . He was arrested on Dec . 11 , 2008 for bilking thousands of investors out of billions of dollars . He pleaded guilty three months later to charges of fraud , and was sentenced to 150 years in federal prison He ' s serving his term at the medium security Butner Federal Correctional Complex in North Carolina and is slated for release on Nov . 14 , 2139 . The Madoff scandal has made headlines for years , but there ' s still a lot that people do n ' t know about the biggest Ponzi scheme in history . 1 . Only a fraction of Madoff ' s thousands of victims have gotten all of their money back . Irving Picard , the court - appointed trustee in the Madoff case , has recovered more than $ 9.5 billion of the $ 20 billion in stolen assets . About half of that - - nearly $ 4.9 billion - - has been distributed to Madoff victims . In addition , the Securities Investor Protection Corporation has provided $ 800 million in insurance to victims . Worked for Madoff , ca n ' t find a job Swindled investors have filed 16,519 claims to Picard . So far , 1,107 have been fully reimbursed . Another 1,410 accounts are eligible for compensation and have been partially reimbursed . The majority of the claims - nearly 11,000 - were rejected because they were from " third party " investors : They had invested with other financial firms that in turn invested with Madoff . But the third party investors will end up with some relief too . Last month , the Department of Justice set up a $ 2.35 billion fund for them 2 . Even now , nobody knows when Madoff ' s scheme started No one has been able to prove when Madoff began stealing from investors . Madoff himself has made contradictory claims about when the crime began . He told CNNMoney in an interview earlier this year that it all started in 1987 , but he later said the scheme began in 1992 . Some reports say Madoff ' s epic crime may have started as early as the 1960s , when he began working on Wall Street . Madoff ' s former account manager , Frank DiPascali , Jr . , said in court testimony that financial misdeeds had been going on " for as long as I remember . " He started working at the firm in 1975 . 3 Madoff did n ' t actually steal $ 65 billion . His Ponzi scheme is often referred to as a $ 65 billion crime . In fact , he actually stole $ 20 billion in principal funds that were invested with him . However , his firm generated account statements telling investors that they earned returns making them worth a total of $ 65 billion . So as far as the people who ' d entrusted their life savings with Madoff were concerned , they really did lose $ 65 billion . It ' s just that two - thirds of that money was a figment of Bernie ' s imagination 4 . Lawyers have pockete d about $ 800 million cleaning up Madoff ' s mess . Picard and his firm are tasked with tracking down Madoff ' s stolen assets and redistributing them to his victims . This is a massive , international undertaking , much of which has been outsourced to other law firms . About $ 823.6 million in fees and expenses have been paid out to attorneys since Madoff ' s 2008 arrest . The lion ' s share - - $ 468.1 million - - went to BakerHostetler . 5 . Life in prison is n ' t so bad , said Madoff . But he still ca n ' t sleep . In an interview with CNNMoney in May , the 75 - year - old fraudster said that he had a job making $ 40 a month wiping down phones and computers for a " few hours a day . " He believes he ' s well - respected by his fellow prisoners and said he spends much of his time reading newspapers and novels . He wakes up early - - 4 : 30 a.m. - - not because he has to , but because he ca n ' t sleep . He is haunted , he said , by the suicide of his oldest son Mark , who hanged himself on Dec . 11 , 2010 - - the second anniversary of his father ' s arrest . " I was responsible for my son Mark ' s death and that ' s very , very difficult , " he said . " I live with that . " CNNMoney ( New York ) First published December 10 , 2013 : 2 : 01 PM ET Comments	[ "Bernard Madoff", "Ponzi scheme", "stolen assets" ]
http://money.cnn.com/2014/01/22/news/economy/minimum-living-wage/index.html	My minimum wage is n ' t a living wage by Emily Jane Fox @ emilyjanefox January 22 , 2014 : 4 : 03 AM ET Sampling of living wages for a person with a family of four , based on a Massachusetts Institute of Technology Living Wage Calculator . Kevin Burgos works full - time , earns more than the minimum wage and even fixes cars on the side to bring in extra money to support his family . Yet , it ' s barely enough to cover his basic living expenses , and Burgos finds himself in a $ 600 hole each month . Burgos ' situation represents the woeful inadequacy of minimum wage and what could be a central question in the income inequality debates - - what is a person ' s living wage ? For Burgos , it would mean an additional $ 6.50 an hour over what he makes now . Currently , he makes $ 10.50 per hour as an assistant manager at Dunkin Donuts in Hartford , Connecticut . It ' s well above both the federal and state minimum wages of $ 7.25 and $ 8.70 , respectively . It ' s even more than the $ 10.10 per hour wage that Senate Democrats are fighting for . He brings in an extra $ 400 each month by fixing cars on the side . He works 35 hours each week to support his family of three young children . All told , Burgos makes about $ 1,800 each month . But his bills for basic necessities , including rent for his two - bedroom apartment , gas for his car , diapers and visits to the doctor , add up to $ 2,400 . To cover these expenses without falling short , Burgos would need to make at least $ 17 per hour . " I am always worried about what I ' m going to do for tomorrow , " Burgos said . As the debate over the federal wage floor heats up in Washington , experts are making the point that the minimum wage does not equal a living wage Amy Glasmeier , a professor of economic geography at the Massachusetts Institute of Technology , has created a living wage calculator based on government data , which bears out this argument . She breaks down the total cost of living , including food , housing , transportation , child and health care , based on the county in which people live . Glasmeier said the cost of living rises with the size of the city . For instance , in places with fewer than 250,000 people , Glasmeier found that the living wage would be between $ 12 and $ 15 per hour . In cities with 250,000 to 1 million residents , its $ 17 , and in cities with more than one million residents , it ' s $ 20 per hour . " The living wage calculator shows what you really need to make it , to survive , " Glasmeier siad . " The minimum wage was never meant to be something for people to live on . " Using Glasmeier ' s calculator , Burgos would need to make about $ 15 per hour . But because he has three kids , his living wage would need to be slightly higher . Any increase in his wage would make a huge difference to his life , Burgos said . That ' s why he ' s participated in several union - backed fast food strikes that have been building momentum across the country in the last couple of years . He hopes lawmakers will try to bridge the gap . Plight of the fast food worker " [ Politicians ] do n ' t really know how it feels to live in poverty , so they say let ' s raise the minimum wage to $ 10.10 and maybe they ' ll shut up , " he said . " But $ 10.10 means we ' ll still have to struggle . It ' s really not a living wage . " CNNMoney ( New York ) First published January 22 , 2014 : 4 : 03 AM ET Comments	[ "minimum wage", "living wage", "Kevin Burgos" ]
http://money.cnn.com/2014/09/05/real_estate/shipping-container-costs/index.html	Your Money Make a shipping container your home for less than $ 185K by Les Christie @ CNNMoney September 5 , 2014 : 3 : 14 PM ET See more amazing shipping container homes by clicking on the image above . One of the biggest Chinese imports to the United States these days are affordable , eco - friendly houses - - or at least the building blocks for them . Most international freight today travels in huge steel containers that can stack on the decks of ships and be offloaded onto the backs of tractor trailers . Sometimes the containers get shipped back to Asia . But most of the time , they sit idle around U.S. ports . Architects have figured out a way to make these containers useful : Convert them into guesthouses , studios , even single - family homes . Architect Adam Kalkin ' s Quik House , for example , is a 2,000 square - foot home that is made out of six shipping containers . The two - story home offers three bedrooms and two and a half baths , a laundry room , pantry , mudroom and other amenities . The basic price of the Quik House is $ 119,000 , which includes the six modified containers with stairs , walls , glass for windows , pre - fitted electrical and plumbing systems and aluminum glazing frames that are factory installed . See more amazing shipping container homes But there is still a lot of work to be done : Buyers are responsible for buying the land , securing building permits and getting the home hooked up to local water and sewer lines and the gas and electric grid , among other things . The typical cost to assemble and hook up the Quik House and make it habitable is about $ 184,000 . But there are add - ons , too . Like a stainless kitchen package , with Viking stove , dishwasher and a fireplace for an extra $ 25,000 . Hong Kong ' s housing at its worst And while the home is pretty eco - friendly from the get - go ( you ' re already recycling six shipping containers ) , you can also add on options like a solar power system or " green " roof . Getting your own Quik House can be , well , quick . It can be delivered within 10 weeks and assembled on site in a day , according to the builder . From ordering it online to the day you move in should n ' t take longer than six months . ( There is currently , however , a six - month waitlist . ) Here ' s how much it will cost you to make a container your home : From container to home : Breaking down the cost Item Cost Base price for six factory modified containers $ 119,000 Site preparation ( excavation , laying foundation , etc . ) $ 14,000 Assembly $ 2,500 Heating and cooling system $ 7,000 Plumbing $ 7,000 Electrical Roofing $ 3,000 Insulation $ 5,500 Flooring $ 5,000 Shelves and closets $ 2,000 Doors and hardware $ 2,000 Glass installation $ 4,000 Wall finishes and painting $ 6,000 Total * $ 184,000 , plus shipping Source : Quik Build LLC . Note : Does not include the cost of the land . Shipping costs can range from $ 3,000 to $ 12,000 depending on how far the home is from Quik Build ' s factories in New Jersey or Liverpool , England . CNNMoney ( New York ) First published September 5 , 2014 : 2 : 19 PM ET Comments	[ "shipping container", "home" ]
http://money.cnn.com/2014/09/09/news/companies/trump-bankruptcy/index.html	Another Trump - named casino in Atlantic City files for bankruptcy by Aaron Smith @ AaronSmithCNN September 9 , 2014 : 12 : 39 PM ET The latest AC casino casualty is . . . Another Atlantic City casino with the Trump name is in trouble . Trump Plaza Associates , the company that runs the Trump Taj Mahal , filed for Chapter 11 bankruptcy protection in Delaware on Tuesday . The Taj Mahal will close on Nov . 13 or shortly thereafter , according to a company spokesman . Another casino owned by the company , the Trump Plaza , is expected to shut down after Sept . 16 , costing 1,046 employees their jobs . Donald Trump himself sued a unit of Trump Plaza Associates in early August , claiming that its casinos were no longer good enough to bear his name . Donald Trump actually built the casinos and once owned them . But he said his only current relationship was the licensing of his name . He said that they have since fallen into disrepair . The company , in its court filing , estimates assets worth between $ 10 million and $ 50 million , and liabilities worth between $ 100 million and $ 500 million . The documents identified 30 debtors , the most prominent being Thermal Energy Limited Partnership I , an operator of heating and cooling equipment which is owed nearly $ 3 million . The Taj Mahal filing is the latest problem in the Jersey Shore city . Revel , the luxury casino where NFL player Ray Rice attacked his future wife , is expected to close on Wednesday , putting 3,100 employees out of work . Another casino , Showboat , closed on Aug . 31 , putting 2,100 people out of work . And the Atlantic Club Casino Hotel shut down in January , ending 1,600 jobs . Representatives of Donald Trump declined comment on Tuesday ' s filing . CNNMoney ( New York ) First published September 9 , 2014 : 8 : 56 AM ET Comments	[ "casino", "Trump name casino" ]
http://money.cnn.com/2014/09/30/technology/windows-10/index.html	Microsoft introduces Windows 10 by James O ' Toole @ jtotoole September 30 , 2014 : 3 : 28 PM ET 28 years of Windows in : 75 Meet the new and improved Windows . No , it ' s not Windows 9 - - Microsoft MSFT is going straight from Windows 8 to Windows 10 . Microsoft showed off the latest version of its flagship operating system at an event in San Francisco Tuesday . It was n ' t a complete unveiling - - Microsoft focused on a handful of features that will benefit business customers . Here ' s a quick rundown : Return of the Start menu . After being inexplicably removed from Windows 8 , the Start menu is back , and includes a new personalizable space for favorite apps , programs and websites . - Apps in windows . With Windows 10 , Microsoft has standardized the format for apps from the Windows Store and regular desktop programs . Both now run in traditional windows that can be resized and minimized from the bar at the top . Related : Microsoft buys Minecraft for $ 2.5 billion Multiple desktops . A feature Mac users have enjoyed for years : the ability to create and swap between different desktops . A soup - ed Snap . The " Snap " feature , which allows users to work on multiple apps at once from the same screen , has been redesigned with a new quadrant layout to allow for up to four programs at once . - New Task view button . A new button on the task bar takes you straight to a single screen that displays all your open apps and files ( the old Alt + Tab trick ) . One noteworthy aspect of Tuesday ' s announcement was the revelation that Microsoft will allow business customers to choose specific Windows features to upgrade one at a time , rather than being forced to transition all at once from an older version . Windows 10 is a key part of new CEO Satya Nadella ' s effort to position Microsoft as a " mobile - first , cloud - first " company with a particular emphasis on productivity software . The goal is to make products like Office , Outlook and Skype staples for individual customers regardless of the device they ' re using , and to transform Windows from a desktop operating system to cloud computing platform that can be accessed from anywhere . Microsoft says Windows 10 " will run across the broadest range of devices ever , " from consumer products like PCs , tablets , Xboxes and phones to enterprise data centers and " Internet of Things " connected devices . There will be just a single app store for all these formats , and Microsoft says it will be possible for developers to write an application once and then deploy it across device types . The company did n ' t provide a timeline for when it would announce new consumer - focused features , let alone when Windows 10 would be available to the public . Microsoft typically shows off Windows features incrementally to customers to try them out and provide feedback . CNNMoney ( New York ) First published September 30 , 2014 : 2 : 51 PM ET Comments	[ "Windows 10", "Microsoft" ]
http://money.cnn.com/2014/10/15/investing/bonds-rates/index.html	The Buzz Bond limbo : How low can rates go ? by Paul R . La Monica @ lamonicabuzz October 17 , 2014 : 10 : 49 AM ET Will bond yields fall lower ? Investors are running away from stocks as fast as they can . The Dow plunged more than 350 points shortly after the opening bell Wednesday while the S&P 500 and Nasdaq each dropped more than 2 % . Stocks rebounded later in the morning but the sell - off worsened as the day wore on . The Dow was down more than 400 points by mid - afternoon . Strangely enough though , it seems that investors are still bullish on America in spite of the market volatility . They are doubling down their bets on U.S. Treasury bonds . The rate on a 10 Year Treasury plunged Wednesday morning to 1.86 % - - its lowest level since May 2013 . Yields fall when investors are buying bonds . The yield moved back above 2 % later on during the day . So rates still have a relatively long way to go before they approach their all - time low of 1.39 % from July 2012 . Bond investors do the safety dance . So why the heck is everybody rushing into bonds ? One word : Security . The United States still seems to be holding up better than Europe and Japan . Concerns about China ' s economy losing steam are also making the U.S. look more attractive . And with worries about Ebola and ISIS roiling the stock market , traders need someplace to put their money - - besides burying it in the backyard or sticking it under a mattress . " Lower rates are not a result of fears about the U.S. economy , " said Michael Arone , a chief investment strategist for State Street Global Advisors . " This is a flight to safety . Investors had been much too complacent until recently . " The big drop in rates is a bit curious though given that the Federal Reserve is about to end its long - running bond purchase program , a policy known as quantitative easing or QE . At the beginning of the year , many experts thought that the 10 Year Treasury could finish 2014 with a yield of more than 3 % . Some thought 4 % was n ' t even out of the question once QE was over . What appears to be happening is that foreign investors are still buying massive amounts of U.S. debt . China and Japan each hold more than $ 1 trillion in U.S. Treasuries . Could rates fall even further from here ? Yes . But the bottom would probably have to fall out of the U.S. economy for Treasuries to hit a new record low . Low rates are n ' t always a good sign . Keep in mind that while rates are extremely low in the U.S. , they are even lower in other developed markets . France ' s 10 Year yields just 1.2 % . Germany ' s 10 Year is yielding 0.84 % . Japan ' s benchmark is below 0.5 % . This is not because investors love the economic conditions in Europe and Japan . It ' s the opposite . Investors are worried about deflation . So if you believe the U.S. economy is not heading into a recession , rates should head higher . A general rule of thumb is that higher rates go along with stronger economies . " Bonds are a place where people are trying to hide today . Investors have been chased into them , " said Keith Trauner , co - manager of the GoodHaven mutual fund ( GOODX ) . " Even if there is more fear in the world in the short - term , betting on lower rates for a sustained period of time is likely to be a bad move . " Markets go for a wild ride Trauner said that investors may be duping themselves into thinking that bonds are a safe , stable bet . He said rates should head higher once the recent market turmoil is over and used a popular joke on Wall Street to describe the high - risk and low - reward nature of bonds . " It ' s like picking up pennies in front of a steamroller , " he said . Still , people have been declaring the end of the bond bull market all year . And they ' ve been consistently wrong . " U.S. Treasuries have been the number one asset to own this year by a long shot , " said Paul Karos , senior portfolio manager for Whitebox Mutual Funds . " Who would have thought government bonds would outperform stocks by this much ? " Good news for consumers ? But regardless of whether or not bonds are still a good investment right now , consumers may benefit from the continued decline in long - term rates . For anyone lucky enough to be able to get approval for a loan , you can expect mortgage rates to keep falling along with the 10 Year . Bob Baur , chief global economist for Principal Global Investors , said it ' s possible that the combination of cheaper credit and lower oil and gas prices that are another byproduct of the global market turmoil may help fuel the economy in the fourth quarter . " The U.S. economy is still in good shape . The drop in mortgage rates is very positive , " Baur said . " There could be a little boom - let here . The decline in stocks does not look like a harbinger of recession right now . " But will that still be the case if stocks and bond yields keep falling ? Arone conceded that at some point , investors may view the drop in U.S. bond yields as a sign of global economic malaise partially caused by the strong dollar . The dollar ' s rally has made it tougher for European consumers to afford American - made goods . So a tipping point may soon be reached . Low U.S. bond rates will be something to fear instead of cheer . " U.S. economic data has been strong lately . Housing , auto sales and manufacturing are all solid , " Karos said . " But can it last ? " The rest of the world needs to turn around or the U.S. will drift lower . " CNNMoney ( New York ) First published October 15 , 2014 : 12 : 02 PM ET Comments	[ "Bond limbo", "stocks", "Investors" ]
http://money.cnn.com/2014/12/10/pf/taxes/expat-passport-citizenship-renounce/index.html	Giving up your U.S. passport ? It ' s going to cost you by Sophia Yan @ sophia_yan December 10 , 2014 : 9 : 17 PM ET Thinking about bidding Uncle Sam goodbye ? Not so fast . Renouncing U.S. citizenship is n ' t cheap , and can result in enormous tax bills for decades to come . A record 3,000 Americans chose to give up their passports last year , driven in part by new regulations that have turned tax preparation into a massive headache for the 7.6 million U.S. expats required to file returns while living abroad . But as more Americans are finding , ditching the U.S. can be an expensive affair . Earlier this year , the government increased the renunciation fee to $ 2,350 , more than four times what it used to cost . On top of that , some U.S. citizens are slapped with a giant " exit tax " bill - - sometimes millions of dollars - - when they renounce . The increased renunciation fee alone " is frustrating enough for the little old lady school teacher down the street , " said Chris McLemore , senior counsel at Butler Snow . " But if there ' s somebody in exit tax land , it ' s obviously a much more expensive process . " The tax pain can last for years , with some former Americans on the hook for additional payments decades after they renounce . " This is what really boggles everybody - - you ' re going to go into the U.S. embassy , you ' re going to swear an oath of renunciation , you ' re going to hand over your passport , and yet in some cases , you ' ll never be free from a tax perspective , " said McLemore . " At the same time , you ' ve given up all your legal rights as a citizen . " Top income earners , or those with $ 2 million or more in global assets - - salary , homes , retirement savings , artwork , jewelry and stocks all count - - pay tax on the current market value of their total holdings , as if they had just been sold . " [ You ' re ] going to pay immediate tax , which effectively , is the price for the way out , " McLemore said . Few wealthy individuals are exempt , and paying a professional to figure out the bill can cost thousands . This is where 70 % of tax dollars go Take for instance Facebook co - founder Eduardo Saverin , who was criticized for renouncing and moving to Singapore prior to Facebook ' s massive 2012 IPO . Saverin was on the hook for tax on gains built into his shares of the company , and any other assets he may have owned , said Summer LePree , a lawyer with Bilzin Sumberg . " I am obligated to , and will pay hundreds of millions of dollars in taxes to the U.S. government , " Saverin said in a statement at the time . " I have paid and will continue to pay any taxes due on everything I earned while a U.S. citizen . " No investment is safe : An American can be taxed on the full value of pension and retirement plans , even if those funds wo n ' t be paid out for years , said Dianne Mehany of Caplin & Drysdale . In certain cases , assets that were subject to the exit tax could again be taxed after the owner ' s death - - if they are inherited by U.S. citizens , for example . For many Americans , the decision to renounce is a gamble that could end up costing far more than staying , said McLemore . " You ' re triggering a tax now , without actually taking the proceeds , " he said . " This is why people with actual exit tax exposure are having to think long and hard on whether they just keep the blue passport . " Read next : Nobody escapes U.S. taxes - even astronauts CNNMoney ( Hong Kong ) First published December 10 , 2014 : 9 : 17 PM ET Comments Personal Finance LendingTree Paid Partner	[ "U.S. passport", "Giving up", "enormous tax bills" ]
http://money.cnn.com/2014/12/15/news/economy/2-dollar-gas/index.html	Gas for less than $ 2 is now widespread by Chris Isidore @ CNNMoney December 15 , 2014 : 7 : 48 AM ET Gas for less than $ 2 might not be good news It was a good weekend for drivers to fill up . Cheap gas spread across the nation faster than holiday cheer . After a weekend of price cutting at stations , gas for less than $ 2 can be found in 13 states across the country . Two weeks ago there was only one gas station in the country selling gas that cheap . Data from price tracker GasBuddy . com shows that three states - - Oklahoma , Louisiana and Ohio - - have at least one station each selling regular gas for less than $ 1.90 a gallon . Cheap gas is most frequently found at stations in Oklahoma , which was the first state to break the $ 2 a gallon mark on Dec . 3 . Another ten states - - Alabama , Arizona , Colorado , Indiana , Mississippi , Missouri , Nebraska , New Mexico , Texas and Virginia - - also have gas for less than $ 2 . Gas below $ 2 a gallon can only be found at a handful of stations in all these states , even in Oklahoma . Four of the states only have one station each with gas that cheap . All these states still have statewide averages well above $ 2 according to AAA . Missouri has the lowest average price at $ 2.25 . And with the statewide average in New York finally falling below $ 3 over the weekend , every state in the lower 48 now has an average below that benchmark . The nationwide average is now $ 2.55 a gallon , the lowest it has been since October 2009 . Falling gas prices have been driven by plunging oil prices . Crude traded below $ 60 a barrel for the first time in five years last Thursday and was just over $ 58 a barrel early Monday . Falling oil prices are ' so dramatic ' Falling demand for oil due to economic slowdowns in Europe and Asia , as well as more fuel efficient vehicles , are major reasons for the fall in oil prices . But increased U.S. oil production , which took the nation past Saudi Arabia as the world ' s largest source of crude earlier this summer , is another major factor , as is a strong dollar With OPEC so far unwilling to cut production in order to prop up prices , some forecast that oil could fall to near $ 40 a barrel at some point in 2015 . That would drive gas prices down even more and make gas for under $ 2 a gallon common at stations across the country . CNNMoney ( New York ) First published December 15 , 2014 : 7 : 48 AM ET Comments	[ "gas station", "price cutting", "Oklahoma" ]
http://money.cnn.com/2015/02/03/investing/oil-price-rebound-opec-200/index.html	OPEC leader : Oil could shoot back to $ 200 by Matt DiLallo of The Motley Fool @ CNNMoneyInvest February 3 , 2015 : 3 : 33 PM ET OPEC Secretary General : ' We are not panicking ' Right now the oil market is totally focused on finding a bottom for oil prices . However , according to OPEC ' s Secretary - General Abdulla al - Badri we ' ve already hit bottom . Not only that , but he sees a real possibility that oil prices could explode higher to upwards of $ 200 per barrel in the future . He ' s far from the only one that sees a return of triple - digit oil prices Finding a bottom : According to recent comments by the Secretary - General when he was in London , the oil market does n ' t need to look for oil prices to bottom as the market has already bottomed . Instead , he offered quite bullish comments by saying , " Now the prices are around $ 45 - $ 55 , and I think maybe they [ have ] reached the bottom and we [ will ] see some rebound very soon . " Normally that type of remark would be just another layer of noise , but this is coming from OPEC ' s Secretary - General so it comes with a lot of weight behind it . That said , he ' s not saying that OPEC will come in and rescue the oil market by reversing its previous decision to hold steady on production . Instead , he sees the signs that the oil market is self - correcting as oil companies have made deep cuts to spending , which will eventually lead to lower production growth . Further , the rig count in the U.S. is plunging , which is usually a key to a bottom in oil prices . However , in the midst of cutting back as the industry works through the current oversupply the Secretary - General is now warning that the industry is putting future oil supplies at risk by under investing today . Underinvestment leads to a shortage : The Secretary - General said that , " if you do n ' t invest in oil and gas , you will see more than $ 200 " when it comes to future oil prices . While he did n ' t give a time frame , he did note the correlation between investment and future production . CNN wants to know : What was your best investment ever ? This is because oil production naturally declines and oil companies need to invest in new production to not only replace this decline in production from legacy oil fields but to add new production to meet growing demand . However , oil companies are reluctant to invest in new production as their cash flows decline . Over time this could become a problem as oil fields around the world naturally decline by an average of about 5 % per year . As we see in this chart from a Chevron Corporation CVX investor presentation , in order to overcome this decline oil companies need to develop about 200 billion barrels of oil supplies over the next decade and a half just to meet demand . These supplies will require the industry to invest $ 7 - $ 10 trillion . However , with the big capital budget reductions oil companies have announced this year it could make it harder for the industry to meet future supply needs . In fact , the industry might defer up to $ 150 billion oil projects this year due to the collapse in crude prices . Many of these investments , however , would n ' t have yielded actual production for a couple of years due to the long lead time of major projects . As an example , Chevron delivered first oil on two of its Gulf of Mexico projects late last year after beginning construction on the fields in 2011 . Meanwhile , another $ 6 billion project it just sanctioned at the end of last year wo n ' t produce any oil until 2018 . It ' s these long lead time projects that are being delayed , which is setting the world up for higher oil prices in the future as an under investment today has the potential to lead to a constriction in future supplies . Investor takeaway : OPEC ' s Secretary - General is calling the bottom in oil prices . While he ' s not the first to call a bottom , he does lead the organization that currently controls the oil market so his comments do have a lot of weight . Further , he ' s also suggesting that the cuts that oil companies are making could have a dramatic impact on future oil prices as the under investment has the potential to cause oil prices to rocket higher if demand grows faster than future supplies . That , however , would all be part of OPEC ' s plan as it purposely pushed for lower oil prices now so it could control market share once oil prices surged in the future . It ' s willing to endure short - term pain for the potential of a big long - Matt DiLallo has no position in any stocks mentioned , though he is bullish on oil prices in the future . The Motley Fool recommends Chevron . ( New York ) First published February 3 , 2015 : 10 : 14 AM ET Comments	[ "OPEC leader" ]
http://money.cnn.com/2015/03/03/technology/tinder-plus/index.html	Tinder angers swipe - happy users by Sara Ashley O ' Brien @ saraashleyo March 3 , 2015 : 6 : 23 PM ET Tinder launches ' passport ' service for finding love overseas Many wish they could swipe left and reject the latest version of Tinder . On Monday , the dating app launched its new premium service , Tinder Plus . New features include the option to " rewind " or unswipe someone they did n ' t mean to pass on and the ability to match with people around the country instead of one geographic location . ( The app lets users " swipe right " on people they find attractive or " swipe left " to reject someone . ) But the premium service varies in price and favors the young . In the U.S. , those under 30 pay $ 9.99 a month . If you ' re 30 or over , you ' ll pay $ 19.99 . ( In the UK , you pay more if you ' re over 28 . ) Many are taking to Twitter to air their frustrations . " Does n ' t making people over 30 pay more for Tinder feel like some sort of penalty ? You have n ' t found love yet , give us your money , " tweeted @ eleshepp . To upsell users to Tinder Plus , some users are receiving notifications that they ' ve reached their " likes " limit . Is Tinder suggesting that 30 is the new middle age ? Not so , says Tinder spokeswoman Rosette Pambakian . " During our testing we ' ve learned , not surprisingly , that younger users are just as excited about Tinder Plus , but are more budget constrained , " wrote Pambakian in an e - mail . " Lots of products offer differentiated price tiers by age , like Spotify does for students . Tinder is no different . " To incentivize users to upgrade , Tinder has also introduced a limit on how many swipes right or " likes " are allowed within a certain time frame . Once that ' s exceeded , users must wait 12 hours to swipe again . Confessions of dating app war stories So , how many swipes do users get ? According to Pambakian , there ' s actually no set number . " It ' s based on an algorithm , and in some cases it is individual , " wrote Pambakian . " The vast majority of our audience will never hit any swiping barrier . " But within the first day , it seemed many users were in fact hitting that barrier . " So Tinder , you ' re telling me that I ' m out of right swipes for the day and can no longer swipe right on everyone . . . This is depressing . # smh , " tweeted @ BradyMcIntyre_ . @ timmyslices tweeted " # Tinder is now limiting number of likes per 12 hours . . . Be careful out there , " along with an Instagram photo reading , " Every swipe matters now . " @ Whatupmax tweeted : " Running out of lives on candy crush was always devastating but it pales in comparison to running out of likes on tinder # thegamehaschanged " According to Pambakian , the limitations should encourage users to " make sure their swipes are honest " ( in other words , do n ' t just like everyone and see who likes you back ) . She suggested " power users " upgrade for unlimited liking . This is Tinder ' s first attempt at monetization . The service is owned by IAC / InteractiveCorp IACI , parent company to other dating platforms like Match . com and OkCupid . Tinder declined to disclose its number of users but said that one million new users join every week . Pambakian said the app makes 22 million matches a day across 140 countries . CNNMoney ( New York ) First published March 3 , 2015 : 12 : 37 PM ET Comments	[ "Tinder Plus", "dating app launched", "New features" ]
http://money.cnn.com/2015/03/19/news/economy/federal-reserve-statement-interest-rates/index.html	What an interest rate increase means for real people by Patrick Gillespie @ CNNMoney March 19 , 2015 : 6 : 46 AM ET What the Fed said : Translated Many Americans do n ' t pay much attention to what Federal Reserve Chair Janet Yellen and " the Fed " do , but that could change very soon . In June , the Fed could do something it has n ' t done since Barack Obama was a U.S. senator : raise interest rates . Do n ' t hit the snooze button . An interest rate hike will impact everyone who has a home mortgage , car loan , savings account or money in the stock market . In short , life is about to get better for savers and a little harder for borrowers . Investors could also face tougher times . " The losers will be borrowers and the winners will be savers , " says Ted Peters , CEO of Bluestone Financial Institutions Fund and a former member of the Federal Reserve bank of Philadelphia . Here ' s the full run down : 1 . Mortgage rates will rise : As the Fed signals its intention to raise rates , borrowers are rushing to get deals done now . There ' s been a big rush of mortgage applications in 2015 , driven by people refinancing to lock in lower interest rates . " People thinking of buying a house should act quickly to lock in today ' s low rates , " says Dean Croushore , an economics professor at the University of Richmond and former Philadelphia Fed economist . An average , 30 - year mortgage fetches a 3.8 % interest rate now , according to Freddie Mac . That ' s down from a year ago when rates were closer to 4.3 % . The Fed cut rates to historic lows in 2008 in part to reboot the housing market , which collapsed when the housing bubble popped . When the Fed likely raises rates this year , it will push mortgage rates and auto loans up , experts say . That said , it ' s uncertain if that will cause home or car buying to slow down . 2 . Savers succeed : Ever since the financial crisis , folks who put their money in the bank have gained next to nothing . With interest rates so low , people who played it safe have been getting the short end of the stick . That will change for the better for people with savings accounts . Once the Fed raises interest rates , savers will gain more interest on the money they deposit at their bank . The average interest rate on a savings account is a mere 0.44 % right now , according to Bankrate . Savers can smile all the way to the bank knowing the job market is looking good too . 3 . Jobs , jobs , jobs : A big reason the Fed is planning to raise interest rates is because the U.S. economy is improving , especially the job market . Unemployment is down to its lowest level since 2008 , and the U.S. has added millions of jobs in the past year . " The labor market is improving , " Yellen said Wednesday . " Some of the headwinds that have been holding the economy back are beginning to recede . " A rate hike would be Yellen ' s two thumbs up that the economy is healthy . The only concern is that a rate hike could hurt future wage growth . Many Americans have n ' t sensed the success of the economy ' s recovery because wage growth remains flat . The Fed wants to see about 3.5 % wage growth , but it was only 2 % in February . However , Yellen made clear that wage growth is n ' t a requirement to raise interest rates . Wages are usually the last measure of the economy ' s health to move in the right direction . " We may not see wage growth pick up , " Yellen said . " I would n ' t say that is a precondition to raising rates . " 4 . Rocky ride for stocks : The stock market rallied big on Wednesday after the Fed released its official statement . Do n ' t take that one day as a preview for the rest of the year though . Investors were largely reacting to language in the Fed statement suggesting that the central bank wo n ' t raise rates in April and will likely raise rates only a bit in June or later . Any rate hike will almost certainly increase volatility . Stocks are already considered expensive and many on Wall Street fear markets are overdue for a correction ( when they drop 10 % or more ) , which has n ' t happened since 2011 . " Overall measures of equity valuations are on the high side but not outside of historical ranges , " Yellen reiterated Wednesday . A Fed rate hike could make stocks less attractive to investors . It would also raise interest rates on U.S. bonds , which are considered safer investments . Spring is coming , but a Fed rate hike could set the sun - - at least for awhile - - on the phenomenal gains investors have experienced in recent years . CNNMoney ( New York ) First published March 19 , 2015 : 6 : 46 AM ET Comments	[ "interest rate increase", "Janet Yellen" ]
http://money.cnn.com/2015/04/08/technology/nokia-5g-cell-phone-network/index.html	Connect This is the fastest cell phone network ever by David Goldman @ DavidGoldmanCNN April 8 , 2015 : 1 : 43 PM ET 5 stunning stats about the mobile industry Nokia Networks has developed an unthinkably fast 5G cellular technology , 10 times faster than Google Fiber and 40 times faster than 4G . The company says the network can deliver peak speeds of 10 Gigabits per second , fast enough to download a full - length HD movie to your phone in a matter of seconds . Those speeds would also make it possible to stream " 8K " video in 3 - D . That ' s an incredibly detailed picture , which is twice as clear as 4K video and 16 times clearer than full HD video . Nokia ' s NOK network is n ' t close to deployment ( it likely wo n ' t see the light of day until at least 2020 ) , but it is the fastest cellular technology ever tested . It will be demonstrating the new network technology at this week ' s Brooklyn 5G Summit Samsung performed a similar 5G test , reaching peak speeds of 7.5 Gbps , or about 75 % that of Nokia ' s 5G tech . Peak speeds are fun to dream about , but in the real world , speeds are much slower than promised ( just ask anyone in New York or San Francisco how fast their 4G network is during rush hour ) . Nokia believes that its 5G technology will allow for real - world speeds of about 100 Megabits per second when the network is most congested - - that ' s about four times faster than 4G ' s top speed . Speeds like that will enable currently impossible tasks , such as remote - controlling robots with our bodies in perfect synchronization . It could also increase network capacity 10,000 - fold , allowing billions of machines and sensors to connect to the Internet simultaneously . Nokia is testing its network at an insanely high frequency of 73,000 MHz . Today ' s cell phone networks broadcast signal in a range of 700 MHz to 3,500 MHz . There are a few glaring issues with broadcasting cellular signals at that high a frequency . New cell phone radios will have to be designed . That ' s the easy part . Your iPhone ca n ' t accept signals close to that high , but that could change one day as radio frequency chips become more inclusive of higher bands . Way more cell towers will need to be deployed . It ' s physics : The higher the frequency , the shorter the signal and the more difficult it is to penetrate buildings and walls . That means mini cell towers , or " small cells " will need to be placed on top of every lamp post , every building , inside every home and potentially every room . The problem with placing new cell towers everywhere is managing the incredible rise in traffic . How can all that 8K video and all that data from robots and machine sensors possibly make its way from millions of small cells to AT&T T Verizon VZ T - Mobile TMUS and Sprint ' s S core network routers ? There are companies , such as Google ' s recently acquired Alpental , that are working on those " backhaul " issues . But they ' re not so close to a solution , according to Akshay Sharma , wireless infrastructure analyst at Gartner . The architecture of the entire cell network will have to change . Since placing new cell towers everywhere is n ' t practical , networking companies are also looking at new ways of beaming signals to people ' s mobile devices . If you ' re watching 8K video on your phone , you ' re going to get charged insanely high data rates . To solve that problem , carriers could send signal from phone to phone - - instead of each phone connecting directly to a tower . So - called " mesh networks " are currently part of the experimental network technology called LTE - D , which would enable direct phone - to - phone communication . Want to send your friend a photo ? Just beam it directly - - you do n ' t need a Wi - Fi router or a cell tower . You wo n ' t be getting 10 Gbps 5G speeds on your iPhone 6 . But you wo n ' t have to wait for the iPhone 30 . CNNMoney ( New York ) First published April 8 , 2015 : 1 : 14 PM ET Comments	[ "cell phone", "network", "Google Fiber" ]
http://money.cnn.com/2015/09/06/news/companies/comcast-xfinity-internet-unlimited-data/index.html	Comcast to test unlimited Internet data plan by Jackie Wattles @ jackiewattles September 6 , 2015 : 6 : 53 PM ET Attention video - streaming super users . Comcast is trying out an unlimited data plan for $ 30 more per month . Comcast , through its Xfinity ' s Internet , began testing usage - based billing in a handful of cities in 2012 . But beginning October 1 , customers in three of those areas - - Fort Lauderdale , the Keys and Miami - - will be able to opt for a flat - rate plan instead of facing overage charges . A company executive said last May that it will likely implement a usage - based billing model nationwide in the next few years . Comcast is the largest Internet provider in the country , and its broadband costs between $ 34.99 and $ 54.99 depending on speed . The Florida customers that will soon get the unlimited data option are currently charged if they exceed 300GB in one month - - $ 10 for every 50GB . Comcast CCV said a survey showed 60 % of the Florida customers were interested in paying a bigger flat rate for unlimited data , though only about 8 % use more than 300GB . A laptop could stream 20 hours of video in high definition every day for a month with 300GB , a Comcast spokesperson said . However , for a large family hooking up multiple devices to a home ' s Wi - Fi , and with streaming services like Netflix NFLX draining GB ' s - - it ' s not impossible . Comcast has three other data plan trials in different U.S. cities . The company began testing different pricing structures in 2012 after it stopped enforcing a data cap , which cut customers off from the Internet after they used 250GB . Xfinity users can check their monthly usage online , and list of accounts eligible for the unlimited data trial can be found here CNNMoney ( New York ) First published September 6 , 2015 : 6 : 47 PM ET Comments	[ "Internet data plan" ]
http://money.cnn.com/2015/09/10/investing/china-dumping-us-debt/index.html	Investing Guide China is dumping U.S. debt by Matt Egan @ MattEganCNN September 11 , 2015 : 9 : 29 AM ET Goldman Sachs : Reaction to China ' s slowdown is overdone It ' s no secret that China is the largest holder of U.S. debt . So should Americans be concerned that China has started dumping some of its Treasury holdings ? After all , it raises serious questions about whether China will keep lending Washington money to help finance the federal deficit in the future . But right now , China is selling because it ' s in dire need of cash . Recently , it unleashed multiple moves to support its markets and prevent its currency from a freefall , while at the same time trying to stimulate the economy . China yanks record sum from war chest China owned $ 1.3 trillion of U.S. Treasuries as of June , making it the biggest holder of U.S. debt . But China ' s foreign - exchange reserves plunged by a record $ 94 billion in August , according to the country ' s central bank , leaving it with a war chest of $ 3.6 trillion . Analysts say it ' s very safe to believe a big chunk of that decline occurred due to a reduction in U.S. Treasury holdings . The selling and the potential that China will not be buying U.S. debt in the near future raises questions on its potential to increase America ' s borrowing costs . Some of this might already be happening , at least at a small scale . When stock markets are turbulent , investors usually rush to the safety of U.S. Treasurys and yields fall . However , despite August ' s extreme stock volatility , rates on Treasurys actually rose slightly in late August . Part of that move is likely due to Wall Street betting the Federal Reserve may raise interest rates next week . But market participants also suspect the unusual action in the bond market was driven by China dumping Treasuries . Related : China is the scariest threat to stocks since 2009 China is raising lots of cash This time , Beijing is cutting its Treasury holdings out of a weakened position as it tries to stave off more declines in its currency . China is also propping up its stock market , which lost half its value in the span of just a few months this summer . " Capital outflows have skyrocketed in China and the yuan is under intense selling pressure . The only thing they could do is sell Treasuries to buy their own currency , " said Walter Zimmerman , chief technical analyst at United - ICAP . Related : China has spent $ 236 billion on its stock market bailout China is n ' t trying to sink the U.S. economy There have long been concerns that China could sink the American economy by unloading its gigantic holdings of Treasuries , sending borrowing costs skyrocketing . Thankfully , those doomsday fears do n ' t appear to be at play here yet . " If China ' s U.S. Treasury stock is a nuclear bomb , moderate sales to offset selling pressure on the yuan are unlikely to set off an explosion , " Michael McDonough , chief economist at Bloomberg Intelligence , wrote in a recent report . But moves could raise borrowing costs here Still , China ' s sales could make Treasury yields higher than they would normally be . That ' s of concern because Treasury rates are used as a benchmark that set the cost of borrowing for items like credit cards and mortgages . While it ' s " not the end of the world , " SkyBridge Capital senior portfolio manager Troy Gayeski said higher yields could lead to a " slowdown in the housing recovery . " What ' s key is how much cash China ultimately needs to raise to defend its currency and stock market . No one , not even China , knows that figure . Related : Loud chorus of voices tell Fed : ' Do n ' t do it ' China may go on a U.S. debt diet So far , the American bond market seems to be taking the China move in stride . The yield on the 10 - year Treasury note is currently sitting at 2.22 % , about unchanged from a month ago . Demand for U.S. debt is healthy now especially when compared to the ultra - low , or even negative rates in other economic powerhouses like Germany and Japan . Policymakers in Washington should hope that trend continues . Now that China ' s economy is in disarray , America might not be able to count on its No . 1 lender to gobble up U.S. debt like in the past . " China ' s surplus is slowing . That gives them less firepower to accumulate Treasuries , " said Thomas Urano , managing director at Sage Advisory . CNNMoney ( New York ) First published September 10 , 2015 : 5 : 26 PM ET Comments	[ "China", "U.S. debt" ]
http://money.cnn.com/2016/04/21/news/companies/sears-kmart-stores-closing/index.html	Sears closing 10 stores and 68 Kmarts by Jackie Wattles @ jackiewattles April 22 , 2016 : 2 : 35 PM ET 5 stunning stats about Sears Sears is shuttering 68 Kmart and 10 Sears stores across the U.S . The company made the announcement Thursday , saying the move is an effort to accelerate its plan to close its unprofitable stores and return to profitability . Shares rose more than 6 % after hours on the news . Sears said in a statement that employees affected by these closings will get severance and the chance to apply for open positions at local Kmart and Sears stores . The company did n ' t say how many jobs will be affected . Sears stock has been in a downward spiral for some time , sinking 37 % in 2015 due to meager sales . Shares are down another 12.4 % so far this year . It has n ' t been profitable since 2012 . The company recently took on $ 1.2 billion in debt financing in order to help " transform " its business . The store closures are a part of that measure . CNNMoney ( New York ) First published April 21 , 2016 : 6 : 06 PM ET	[ "Sears", "local Kmart" ]
http://money.cnn.com/2016/05/01/news/largest-lottery-jackpots/index.html	Biggest lottery jackpots in U.S. history by Jackie Wattles @ jackiewattles August 24 , 2017 : 2 : 39 AM ET Living the good life after hitting the lottery The latest Powerball jackpot is one for the record books . A winning ticket sold in Massachusetts snagged the $ 758.7 million grand prize from Wednesday ' s draw , lottery officials said . It ' s the largest ever jackpot with a single winner - - and the second biggest overall jackpot in U.S. history . Here ' s where the list of the largest lottery prizes - - including Powerball and Mega Millions - - stands now : 1 . $ 1.6 billion Powerball January 13 , 2016 : The record - shattering jackpot was split three ways . Two of the winning ticket holders came forward soon after the drawing . But , it took six months for the final winners to come foreward - - a couple in Chino Hills , California , who claimed their prize on July 19 . One winning ticket was sold to John and Lisa Robinson of Munford , Tennessee - - who appeared on NBC ' s " Today " show before ever cashing their ticket in . They opted to take their $ 528.8 million share of the prize in one lump - sum payment of $ 327.8 million . Maureen Smith , a 70 - year - old from Melbourne Beach , Florida , also claimed a third of the winnings . She told the Florida Lottery that she had played the lottery - - and bought tickets with the same six numbers - - for years before winning the jackpot . Mae and Marvin Acosta claimed the prize , but refused to speak to the media . Not much is known about the winners aside from the fact that they waited more than six months to come forward . The Acostas released a statement explaining the delay and saying they had been assembling a team of advisers . 2 . $ 758.7 million Powerball August 23 , 2017 : A winning ticket was sold in Watertown , Massachusetts , for the $ 758.7 million jackpot - - the largest with a single winner in North American history - - according to the Massachusetts Lottery . It was n ' t immediately clear who bought the lucky ticket . 3 . $ 656 million Mega Millions March 30 , 2012 : According to Mega Millions , this was the single largest jackpot pooled by any lottery in the world . Ever . But like most of the other grand prizes on this list , the pot was split among multiple winning tickets with all the right numbers . This jackpot had three . A retired couple from Illinois , Merle and Patricia Butler , received one of the $ 218.6 million slices of the top prize . " We are just everyday people who have worked hard all our life . . .We just happened to hit it big , " Merle said . Patricia added that they planned to use " part of the winnings to do some real good . " Another winning ticket was divided among a group of friends in Maryland that dubbed themselves the " Three Amigos . " The third winner is still unknown . That ticket was purchased in Kansas , which is one of the few states that allows lottery winners to remain anonymous . 4 . $ 648 million Mega Millions December 17 , 2013 : Two winners split this jackpot , including Ira Curry , a Georgia woman , who said she bet on a combination of family birthdays . The other winner , Steve Tran , was working as a delivery driver when he bought a Mega Millions ticket in San Jose , California . Tran said he called his boss after he won to say , " I hit the jackpot . I do n ' t think I ' m going to come in today , tomorrow , or ever . " 5 . $ 590.5 million Powerball May 18 , 2013 : 84 - year - old Gloria Mackenzie of Florida had the one - and - only winning ticket , but it could ' ve easily gone to someone else . " While in line at Publix , another lottery player was kind enough to let me go ahead of them in line to purchase the winning quick - pick ticket , " Mackenzie said A grocery store customer let Gloria Mackenzie go ahead in line and she bought the winning ticket for Powerball ' s largest jackpot ever . 6 . $ 587.5 million Powerball November 28 , 2012 : Winner Matthew Good managed to remain anonymous after he learned that he had one of the two winning tickets . But thanks to public record laws , the Arizona resident ' s identity was eventually revealed . The other winners , Cindy and Mark Hill of Missouri , had warned their daughter not to get her hopes up because winning " probably never happens . " But after realizing their ticket had the winning combination , they made plans to take her to the beach and buy her a horse " in a couple years . " Oh , and , for Mark , a red Camaro . 7 . $ 564 million Powerball February 11 , 2015 : One of three winners was Marie Holmes of North Carolina . The single mom used to work at Walmart WMT , Food Lion , McDonald ' s MCD and Subway to support her four children , including a seven - year - old son with cerebral palsy . She said she plans to spend her winnings on her kids , finishing college , donating to charity , and buying her mother a house . The other two winning tickets included one purchased by an anonymous player in Puerto Rico . The last was cashed in by Andrew Weber , who claimed it on behalf of a trust in Texas . North Carolina mom , 26 , wins Powerball 8 . $ 540 million Mega Millions July 8 , 2016 : Lottery officials say a single winning ticket for this grand prize was sold in Indiana 9 . $ 487 million Powerball July 30 , 2016 : The lone winning ticket for Saturday ' s Powerball jackpot - - estimated at $ 487 million - - was sold in New Hampshire 10 . $ 448.4 million Powerball August 7 , 2013 : This one ' s a heart warming tale . One of three jackpot tickets was bought by a group of 16 victims of Superstorm Sandy . Dubbed the " Ocean ' s 16 " - - they worked for the Ocean County vehicle maintenance facility . Another winner was a project engineer in Minnesota who said he had dreamed of taking home the prize " so many times in my head . " The third was claimed by a 70 - year - old man in New Jersey . 11 . $ 447.8 million Powerball June 10 , 2017 : One lucky player in California snatched the entire jackpot , according to lottery officials . Jeff Lindsay and his family turned in the lone winning ticket for a $ 447.8 million Powerball jackpot to the California Lottery . However , the winners said they wanted to remain as private as possible " We are obviously thrilled with this tremendous stroke of good luck and are still getting our arms around what it means for us , " Lindsay in a statement . California Lottery said Lindsay bought Scratchers tickets and cashed in a winner for an undisclosed sum of money , which he used to buy 10 Powerball tickets , and one of those was the jackpot winner . 12 . $ 435 million Powerball February 22 , 2017 : A ticket holder in Indiana was the sole winner of this massive jackpot . The individual ' s identity remains unknown - - the winner used a corporation to shield his or her identity . 13 . $ 429.6 million Powerball May 7 , 2016 : A Powerball jackpot winner was drawn in New Jersey . At $ 429.6 million , it is one of the single biggest winning tickets ever . 14 . $ 425.3 million Powerball February 19 , 2014 : B . Raymond Buxton walked into a California lottery office on April 1 wearing a t - shirt that read : " Luck of the Jedi I Have . " He was n ' t kidding . The California retiree was the drawing ' s sole winner . Buxton said he would use the winnings for charitable causes and travel . 15 . $ 414 million Mega Millions March 18 , 2014 : One of two winning tickets was bought at a liquor store in Maryland and cashed in by an anonymous player The other belonged to Floridians Raymond Moyer and Robyn Collier . They said they plan to invest , travel and attend Notre Dame football games with their winnings . Your browser does not currently recognize any of the video formats available . Click here to visit our frequently asked questions about HTML5 video . 16 . $ 399.4 million Powerball September 18 , 2013 : South Carolina allowed this winner to shield his or her identity , so all we know is that this winning ticket was sold in at a Murphy USA gas station in Lexington , South Carolina 17 . $ 393 million Mega Millions August 11 , 2017 : A single winning ticket was sold in Palos Heights , Illinois - - a Chicago suburb - - for this massive jackpot . As of August 24 , the winner still had n ' t been publicly identified . A lucky @ illinoislottery player won the $ 393 million # MegaMillions jackpot last Friday , so tonight ' s jackpot resets to $ 15 million . pic . twitter . com / fsOPKTY8Gn — Nebraska Lottery ( @ NE_Lottery ) August 15 , 2017 18 . $ 390 million Mega Millions March 6 , 2007 : A couple living in New Jersey , Elaine and Harold Messner , plan to use their $ 195 million cut of the jackpot to retire early . Another winner , Georgia truck driver Eddie Nabors , told Forbes he wants to " do a lot of fishing . " - - Rob Mclean contributed to this report . CNNMoney ( New York ) First published May 1 , 2016 : 3 : 50 PM ET Comments	[ "Biggest lottery jackpots", "U.S. history" ]
http://money.cnn.com/2016/09/22/pf/college/best-university-oxford-tuition/index.html	The world ' s best university costs just $ 12,000 a year by Alanna Petroff @ AlannaPetroff September 22 , 2016 : 8 : 18 AM ET For - profit colleges explained The best university education in the world need not cost the equivalent of a small mortgage . The University of Oxford , which has just been named the best in the world , offers undergraduate tuition for a fraction of the rate charged by rival institutions in the U.S . Tuition for Oxford undergrads is just 9,000 pounds this year , which works out to roughly $ 11,700 . That ' s about a quarter of the cost of other top tier schools , such as Harvard Stanford and the California Institute of Technology . But before you get too excited , that rate is only available to undergrads from the U.K. and European Union . Students from the rest of the world pay anywhere between 15,295 pounds ( $ 19,860 ) and 22,515 pounds ( $ 29,230 ) a year - - though that ' s still much cheaper than top U.S. universities . Oxford became the first British university to top the 12th annual ranking compiled by Times Higher Education Caltech , which has topped the list five times , was knocked into second place . Here are the tuition fees undergrads are paying this year at other world class universities : 2 . California Institute of Technology : $ 45,846 3 . Stanford : $ 47,331 4 . University of Cambridge , U.K. : 9,000 pounds ( $ 11,684 ) 5 . Massachusetts Institute of Technology : $ 48,140 6 . Harvard University : $ 43,280 7 . Princeton University : $ 45,320 8 . Imperial College London , U.K. : 9,000 pounds ( $ 11,684 ) The U.K. may be a cheaper place to study than the U.S. , but it ' s much more expensive than it used to be . Tuition for most students at British universities tripled in 2012 due to a change in government funding policies , which caused outrage across the country . Oxford and Cambridge , among others , are working hard to ensure the higher tuition fees do n ' t deter students from less advantaged backgrounds They ' ve been campaigning for years to encourage higher levels of student enrollment from state - funded high schools , which are called public schools in the U.S. Top British universities have a reputation for accepting an outsized proportion of students educated at exclusive private schools . Some 40 % of Oxford students still come from private schools , whereas just 7 % of British children attend such schools . CNNMoney ( London ) First published September 22 , 2016 : 8 : 18 AM ET Personal Finance LendingTree Paid Partner	[ "California Institute of Technology", "European Union", "Times Higher Education ." ]
http://money.cnn.com/2016/10/29/news/world-series-price-change/index.html	CNNMoney Sport World Series ticket prices sink as Cubs fans lose hope by Shannon Gupta @ shannonfgupta October 29 , 2016 : 4 : 10 PM ET Cubs reach first World Series in 71 years After a tough loss for the Chicago Cubs on Friday night , World Series ticket prices have dropped . Just hours before the Cleveland Indians ' second shutout at Wrigley Field , Game 5 had been crowned the most expensive sporting event in history . Tickets averaged $ 6,548 - - topping even the 2015 Super Bowl , according to ticket search engine TicketIQ . But with Sunday ' s Game 5 no longer a series - clinching opportunity for the Cubs , prices have sunk 18 percent to $ 5,373 . It ' s now the second - most expensive game behind the Super Bowl . " You see emotion really driving prices , " TicketIQ CEO Jesse Lawrence explains . " As people get excited , prices go up . As they get discouraged , prices go down . " Even with the Game 5 price decline , the games at Wrigley are still the most expensive that TicketIQ has seen in its seven years tracking the World Series . And there ' s a silver lining for sellers - - Games 6 and 7 have actually gotten a price boost . The average ticket for Game 6 now costs $ 3,448 while Game 7 is up to $ 4,314 . That ' s because Cubs fans hope those games will be more promising , Lawrence says . Prices could move even higher depending on how Game 4 plays out Saturday night . " We ' ll definitely see games 6 and 7 - - if those are the potential clinchers - - move up [ in price ] , " Lawrence adds . Though the cost of experiencing baseball history might still seem astronomical , ticket sale prices end up being less than asking numbers . For example , sellers are asking for over $ 5,000 for Game 5 , but tickets actually sell for less than $ 3,000 . CNNMoney ( New York ) First published October 29 , 2016 : 3 : 58 PM ET	[ "World Series ticket prices", "Chicago Cubs", "baseball" ]
http://money.cnn.com/2016/11/29/news/economy/donald-trump-steven-mnuchin-treasury/index.html	Transition of Power Trump taps ex - Goldman banker Mnuchin for Treasury post by Chris Isidore and Phil Mattingly @ CNNMoney November 29 , 2016 : 6 : 58 PM ET Steve Mnuchin in 90 seconds President - elect Donald Trump has tapped Steven Mnuchin , a former Goldman Sachs banker who profited from the housing meltdown , as his Treasury secretary , according to an official briefed on the decision . Mnuchin ' s career has been full of contradictions . He started as a Wall Street insider working for old - line firms before running a series of eclectic businesses - - including his own hedge fund and a West Coast consumer bank . In recent years , he has been a Hollywood movie producer He served as finance chairman of Trump ' s presidential campaign and has been one of Trump ' s closest economic advisers . His nomination will be announced as soon as Wednesday , the official said . Democrats immediately signaled their strong opposition to the expected nomination , which would require Senate confirmation . In a statement , the Democratic National Committee quipped " So much for draining the swamp . " The DNC added that " nominating Steve Mnuchin to be Treasury Secretary . . . is a slap in the face to voters who hoped he would shake up Washington . " As Treasury secretary , the 53 - year - old Mnuchin would be the face of the American economy around the world . The Treasury Department has expansive responsibility over business and oversees banking regulations , financial markets and the IRS . It has about 100,000 employees , an estimated 91,000 of them at the IRS . Besides co - signing the currency , the Treasury secretary is Uncle Sam ' s banker - - paying the bills , collecting taxes , managing the federal government debt and selling billions of dollars a year in Treasury bonds . Mnuchin , like his father before him , was a partner at Goldman . He worked for the firm for 17 years , joining at age 22 and leaving just before his 40th birthday , in 2002 . He briefly joined the hedge fund of his former college roommate Eddie Lampert . Mnuchin still serves as a director of Sears Holdings SHLD , of which Lampert is chairman and CEO . After less than a year , he left Lampert to work as a portfolio manager for the hedge fund of George Soros , the billionaire financier who has bankrolled liberal candidates and causes - - and who was depicted as a villain in Trump ' s last campaign ad . He only stayed a year , leaving in September 2004 to start his own hedge fund , Dune Capital Management . As a producer , he has put out films including " American Sniper , " " The Lego Movie " and this summer ' s " Suicide Squad . " His latest film , which opened right before Thanksgiving , is called " Rules Do n ' t Apply . " Mnuchin joined the Trump campaign as finance chairman in May , and sources tell CNN he made it clear early that he wanted the Treasury job . He recruited deputies before he was tapped for the job . Mnuchin has contributed to both Republican and Democratic candidates , including Hillary Clinton ' s Senate campaigns and 2008 presidential run . He gave to Barack Obama ' s Senate and presidential campaigns and to Charles Schumer , the new Democratic leader in the Senate . Steven Mnuchin joined the Trump campaign as finance chairman in May . Mnuchin and his brother were sued by the trustee trying to recover money for Bernard Madoff ' s victims after his Ponzi scheme unraveled in 2008 . They were executors of their mother ' s estate , and had withdrawn her investment with Madoff shortly after she died in 2005 . A court eventually blocked the trustee , Irving Picard , from collecting Mnuchin ' s mother ' s $ 3.2 million in profits withdrawn from the Madoff fund long before its collapse . Mnuchin led the group that bought failed subprime lender IndyMac for pennies on the dollar in 2009 , about a year after the FDIC took over the California bank following a run on deposits by customers . IndyMac had become a poster child for the risky home loans that brought on the housing crisis and the meltdown in financial markets . The FDIC agreed to assume much of the losses as part of its sale to Mnuchin , who renamed it OneWest . But regulators soon questioned OneWest ' s foreclosure practices , which included so - called robo - signings that pushed homeowners into foreclosure without proper review or due process . The bank was one of many that agreed to pay millions in fines to compensate customers . Occupy Los Angeles protesters showed up at Mnuchin ' s Bel Air mansion . And this month , two fair housing groups in California filed a complaint with the Department of Housing and Urban Development , accusing the bank of discriminating against minority borrowers during his tenure there . Mnuchin eventually sold OneWest to CIT Group CIT in 2014 for $ 3.4 billion and joined CIT as part of the deal . When he left CIT less than two years later , he received a $ 10.9 million severance package . CNNMoney ( New York ) First published November 29 , 2016 : 6 : 08 PM ET	[ "Donald Trump", "Steven Mnuchin", "Democrats" ]
http://money.cnn.com/2017/08/08/technology/business/sundar-pichai-profile/index.html	Who is Google CEO Sundar Pichai ? by Seth Fiegerman @ sfiegerman August 8 , 2017 : 12 : 00 PM ET Google CEO condemns anti - diversity memo When Sundar Pichai was named Google CEO in 2015 , his predecessor said Pichai would work to " stretch boundaries " for the company ' s products . But this week , Pichai had a different challenge : setting boundaries for the company ' s employees . On Monday , Pichai cut his family vacation overseas short to address an anti - diversity memo from a Google GOOGL employee that went viral among staffers over the weekend . The memo argued women are biologically unfit for tech roles . In an email to Google employees Monday night , Pichai condemned parts of the memo as " offensive " and violated the company ' s Code of Conduct . " Our job is to build great products for users that make a difference in their lives , " Pichai wrote . " To suggest a group of our colleagues have traits that make them less biologically suited to that work is offensive and not OK . " With that email , Pichai earned praise from many in the industry . Ellen Pao , who fought a high - profile gender bias case against her former venture capital firm , praised Pichai for making " the right call . " But Pichai also plunged himself into a divisive debate raging inside Google over free speech and a culture war raging outside the company . The front page of Breitbart , a far - right website , was flooded with stories about the Google incident overnight Monday , including one that said the memo ' s author was being punished for " criticizing left - wing intolerance . " On Twitter , some described Pichai ' s actions as " totalitarian . " The controversy offers perhaps the biggest test yet for Pichai ' s leadership . He took over as Google ' s CEO two years ago this month amid a corporate restructuring . Larry Page , Google ' s cofounder and previous CEO , became CEO of Google ' s newly created parent company , Alphabet . Pichai may not be as well known as Google ' s founders . He is n ' t necessarily a household name in the mold of other tech titans like Facebook FB CEO Mark Zuckerberg , Amazon AMZN CEO Jeff Bezos and Apple AAPL CEO Tim Cook . But as Google ' s top exec , he wields a tremendous amount of influence . Pichai oversees a company with tens of thousands of employees , tens of billions in revenue and products that reach billions ( yes , with an " s " ) of users . Google also has an outsized influence on corporate culture . Pichai , born in India , rotated through a number of executive positions Google over the course of a decade . He helped build Chrome into a top web browser . He oversaw Android , which now has two billion monthly users . Pichai eventually took charge of all software products . In his time as Google CEO , he has pushed the company deeper into hardware , cloud computing and artificial intelligence . Some of these efforts are beginning to pay off in helping Google make money beyond advertising But technical innovation is only one part of Pichai ' s role now . He must also balance a company culture that prizes free speech with the reality that the entire tech industry is under a microscope right now for a lack of diversity and mistreating women If that ' s not enough , Pichai faces a more sensitive political landscape than either of his two predecessors . Pichai took over as CEO shortly after President Trump launched his campaign . Since then , Pichai has weighed in on political issues like Trump ' s travel ban , withdrawal from the Paris Agreement , and the proposed transgender military ban CNNMoney ( New York ) First published August 8 , 2017 : 12 : 00 PM ET	[ "Sundar Pichai", "Google CEO" ]
http://money.cnn.com/2017/09/11/news/companies/atlanta-atl-airport-irma-disruption/index.html	World ' s busiest airport feels Irma ' s wrath by Jon Ostrower @ jonostrower September 12 , 2017 : 8 : 09 AM ET Irma pounds Georgia , thousands without power Despite its downgrade from a hurricane to a tropical storm , Irma disrupted air travel over a wide swath of the Southeast . Atlanta Hartsfield - Jackson International Airport , the busiest airport in the world , was hit with extended rain and high winds from Irma on Monday while many of Florida ' s airports remained closed as officials assess damage and try clean up from the powerful storm . Southwest Airlines LUV , the second largest airline in Atlanta , said the winds were forcing the cancellation of all of its flights out of the airport after 1 p.m. ET . The carrier aims to resume normal operations there on Tuesday . Atlanta - based Delta Air Lines DAL canceled about 900 flights Monday and said the storm could affect its catering options aboard aircraft leaving its biggest hub . Delta and Southwest account for 81 % of the flying in Atlanta , which sees 104 million passengers annually . When will Florida ' s airports reopen ? The disruptions in Atlanta came as Florida ' s biggest airport picks up the pieces after taking a hit from Hurricane Irma . Miami International Airport was closed on Monday after sustaining " significant water damage throughout , " according to CEO Emilio Gonzalez . Gusts of 94 miles per hour were recorded there , he said . Limited operations at the airport , the country ' s 12th largest , were set to resume at 7 a.m. on Tuesday , Gonzalez said on Twitter . Miami airport ' s difficulties add to the transportation chaos Irma has inflicted on Florida residents . Thousands of flights in and out of Florida have been scrubbed over the past several days as Irma tracked its way across the Caribbean to the mainland U.S . Miami ' s main airport does n ' t know yet when it will reopen after Irma The situation is a particular headache for American Airlines AAL , the country ' s largest air carrier , which uses Miami as a major hub . American said earlier Sunday that limited operations at its Miami hub would resume at 5 p.m. Monday , but that plan was shelved as the airport cleaned up from the storm . Nearby Fort Lauderdale - Hollywood International Airport said Monday it would resume commercial operations Tuesday morning . Many of Florida ' s other airports were still offline . Tampa ' s airport said it sustained " minimal damage " after recording sustained winds of 52 miles per hour and gusts up to 66 miles per hour as Irma blew through . Tampa expected to restart commercial flights on Tuesday morning . Gas shortage : Florida races to refill gas stations after Hurricane Irma It was not immediately clear much damage the airports sustained and final losses to the airlines wo n ' t be calculated for some time . United Airlines UAL estimated that Hurricane Harvey , which slammed Houston and Texas ' Gulf Coast last month , would account for about half of an anticipated 3 % to 5 % drop in its unit revenue during the third quarter . Airlines can cushion some of the blow by re - deploying aircraft elsewhere in their network to keep their fleets productive , but idling a significant portion of its workforce in Florida adds to the financial impact . Depending on the pace of the recovery , another negative impact is a reduction of travel to and from Florida , a major tourist and business destination . Airlines were already paying a higher price for fuel after Harvey , which significantly damaged refinery capacity in Houston . A Cowen & Co . report on Monday estimated oil prices have increased about 4 % since Harvey " and could continue to remain elevated following Hurricane Irma ' s direct hit with South Florida , " it said . Any damage sustained to airport infrastructure like radars , control towers , instrument landing systems and lighting would likely be repaired using funds from the FAA operating budget . CNNMoney ( Seattle ) First published September 11 , 2017 : 4 : 21 PM ET	[ "Irma 's wrath", "World 's busiest airport", "Atlanta Hartsfield-Jackson International Airport ," ]
http://money.cnn.com/2017/11/15/news/papa-johns-nfl-anthem-protests/index.html	Papa John ' s : We did n ' t mean to be ' divisive ' on NFL protests by Rob McLean and Ahiza Garcia @ CNNMoney November 15 , 2017 : 2 : 03 AM ET Kaepernick and GQ want to ' reclaim the narrative of his protest ' Papa John ' s is trying to repair the damage caused by its CEO ' s controversial comments about the NFL protests . Two weeks ago , CEO John Schnatter triggered fierce criticism by saying the pizza chain ' s sales were hurt by the NFL ' s handling of the controversy over players kneeling during the National Anthem to protest police violence and racial injustice . " This should have been nipped in the bud a year and a half ago , " Schnatter said on a conference call with investors . " The controversy is polarizing the customer , polarizing the country . " The comments spurred a backlash on social media , made the company the butt of jokes on late night shows and forced it to distance itself from neo - Nazi groups . On Tuesday evening , Papa John ' s PZZA - - which has been a league sponsor since 2010 - - attempted an apology on Twitter . " The statements made on our earnings call were describing the factors that impact our business and we sincerely apologize to anyone that thought they were divisive , " it said . " That definitely was not our intention . " The pizza chain said that it supports " the players ' movement to create a new platform for change " but that it also believes that " as Americans , we should honor our anthem . " " We will work with the players and league to find a positive way forward . Open to ideas from all . Except neo - nazis , " the company tweeted , offering a " middle finger " emoji to " those guys . " We believe in the right to protest inequality and support the players ' movement to create a new platform for change . We also believe together , as Americans , we should honor our anthem . There is a way to do both . ( 2 / 3 ) — Papa John ' s Pizza ( @ PapaJohns ) November 15 , 2017 Last year , then - 49ers quarterback Colin Kaepernick took a knee during the performance of the anthem to protest the treatment of black Americans , particularly by police . The protest has grown in the NFL this season with more players taking part . It ' s controversial because some people see the act of kneeling as disrespectful of the flag . NFL rules say players " should " stand for the anthem . While it ' s not required , Commissioner Roger Goodell has made it clear he wants players to stand . The protests have also drawn criticism from President Trump , who tweeted that kneeling players should be fired . On the earnings call two weeks ago , Schnatter blamed Goodell for the protest " debacle . " " Leadership starts at the top , and this is an example of poor leadership , " Schnatter said . " The NFL has hurt Papa John ' s shareholders . " Despite the pizza chain ' s efforts Tuesday to address the criticism over those remarks , some social media users were n ' t convinced . " Is this supposed to be Woke Papa John ' s Pizza ? " tweeted @ danibostick . " I ' m confused , because your CEO definitely blamed the NFL protests for poor sales and criticized the NFL ' s leadership for not squelching the protests sooner . I do n ' t see an apology for that . " Others disputed the idea that the protesting players would want to work with the company . You do n ' t need to " work with " them . They want to protest . They do n ' t need your permission or to compromise to benefit you . — rachel kiley ( @ rachelkiley ) November 15 , 2017 Papa John ' s replied to some of the responses , acknowledging that it " should have acted sooner " following Schnatter ' s comments . The NFL could n ' t immediately be reached for comment late Tuesday . - - Nathaniel Meyersohn contributed to this report CNNMoney ( New York ) First published November 15 , 2017 : 12 : 27 AM ET	[ "Papa John 's", "Pizza", "Schnatter" ]
http://money.cnn.com/gallery/real_estate/2014/03/27/fastest-growing-cities/9.html	10 fastest growing cities By Les Christie @ CNNMoney March 27 , 2014 : 12 : 25 AM ET Oklahoma City 9 of 10 Population : 1.3 million % gain : 1.7 % New residents : 22,280 Like many cities in Texas and North Dakota , Oklahoma City is also in the midst of an oil boom . The expansion of horizontal drilling and fracking has made it possible to tap into vast reserves that remained untouched before - - meaning lots of oil money and lots of jobs . " As the amount of drilling goes up , demand for services , like finishing off well heads , laying pipeline and cleaning up site , increases as well , " said Don Hackler , public information officer with the state ' s Commerce Department . As a result , people are flocking to the area to find work : The greater Oklahoma City has seen its population grow by more than 5 % since the 2010 Census . And so far , there appears to be almost enough jobs for everyone . In January , the metro area unemployment rate was just 5 % , a full two percentage points below the national rate . First published March 27 , 2014 : 12 : 25 AM ET Source : Based on U.S. Census Bureau population data for July 1 , 2012 through July 1 , 2013 . Rankings are based on largest percentage population growth in metro areas with a population of one million or more . 9 of 10	[ "10 fastest", "growing cities" ]
http://money.cnn.com/gallery/retirement/2015/03/23/best-states-retirement/index.html	Ahead : Retire Your Way 10 best states to retire in By Katie Lobosco @ KatieLobosco March 23 , 2015 : 12 : 10 PM ET 1 . Wyoming 1 of 10 Wyoming is the best state to retire in , according to a list from Bankrate . The group ranked all 50 states based on weather , cost of living , crime , quality of health care , state and local taxes , and general well - being . Wyoming is at the top largely because it has the lowest tax rate in the country . At 6.9 % it ' s only about half of New York ' s effective tax rate . Have you saved $ 1 million for retirement ? Tell CNNMoney how you did it . It ' s also safe . Wyoming has the fifth lowest crime rate in the country . And a safe place to live is the most important factor for retirees , according to Bankrate analyst Chris Kahn . Cost of living comes next , by a slim margin . First published March 23 , 2015 : 12 : 10 PM ET Source : The list ranks all 50 states was compiled by Bankrate . Cost of living data was provided by the Council for Community and Economic Research . Crime statistics include property and violent crimes reported by police departments to the FBI . Health care quality scores come from the federal Agency for Healthcare Research and Quality . The National Oceanic and Atmospheric Administration provided weather data on temperature , humidity and sunshine . General well - being scores were based on an annual Gallup - Healthways survey that surveys residents ' general happiness . 1 of 10 Find Homes For Sale Powered by Trulia City , state , or zip Price range Property Type Search Find a home in : New York Atlanta DC Houston Philadelphia More options Most Popular	[ "best state", "Wyoming" ]
http://money.cnn.com/news/specials/storysupplement/bankbailout/	Special Report The Rescue Bailed out banks The Treasury Department has invested about $ 200 billion in hundreds of banks through its Capital Purchase Program in an effort to prop up capital and support new lending . Here ' s a list of the banks that got bailed out . ( Editor ' s note : This information has not been updated . ) DENOTES THE BANK HAS PAID TREASURY BACK Date Financial Institution City State Amount 10 / 28 / 2008 Wells Fargo & Co . San Francisco Calif . $ 25,000,000,000 10 / 28 / 2008 State Street Corp . Boston Mass . $ 2,000,000,000 Bank of America Corp . 1 Charlotte N.C . $ 15,000,000,000 JPMorgan Chase & Co . New York N.Y . $ 25,000,000,000 Citigroup Inc . New York N.Y . Morgan Stanley $ 10,000,000,000 Goldman Sachs Group Inc . $ 10,000,000,000 Bank of New York Mellon Corp . $ 3,000,000,000 11 / 17 / 2008 Regions Financial Corp . Birmingham Ala . $ 3,500,000,000 11 / 17 / 2008 UCBH Holdings Inc . San Francisco Calif . $ 298,737,000 Bank of Commerce Holdings Redding $ 17,000,000 Broadway Financial Corp . Los Angeles $ 9,000,000 SunTrust Banks Inc . Atlanta Ga . $ 3,500,000,000 Northern Trust Corp . Chicago Ill . $ 1,576,000,000 Provident Bancshares Corp . Baltimore Md . $ 151,500,000 U.S. Bancorp Minneapolis Minn . $ 6,599,000,000 TCF Financial Corp . Wayzata Minn . $ 361,172,000 BB&T Corp . Winston - Salem N.C . $ 3,133,640,000 1st FS Corp . Hendersonville $ 16,369,000 Valley National Bancorp Wayne N.J . $ 300,000,000 KeyCorp Cleveland Ohio $ 2,500,000,000 Huntington Bancshares Columbus Ohio $ 1,398,071,000 Umpqua Holdings Corp . Portland Ore . $ 214,181,000 First Horizon National Corp . Memphis Tenn . $ 866,540,000 Comerica Inc . Dallas Texas $ 2,250,000,000 Zions Bancorporation Salt Lake City Utah $ 1,400,000,000 Capital One Financial Corp . McLean Va . $ 3,555,199,000 Washington Federal Inc . Seattle Wash . $ 200,000,000 Marshall & Ilsley Corp . Milwaukee Wis . $ 1,715,000,000 11 / 21 / 2008 City National Corporation Beverly Hills $ 400,000,000 11 / 21 / 2008 Pacific Capital Bancorp Santa Barbara $ 180,634,000 Heritage Commerce Corp . San Jose $ 40,000,000 First PacTrust Bancorp , Inc . Chula Vista $ 19,300,000 Nara Bancorp , Inc . Los Angeles $ 67,000,000 Webster Financial Corporation Waterbury Conn . $ 400,000,000 Centerstate Banks of Florida Inc . Davenport Fla . $ 27,875,000 Ameris Bancorp Moultrie Ga . $ 52,000,000 Taylor Capital Group Rosemont Ill . $ 104,823,000 Porter Bancorp Inc . Louisville Ky . $ 35,000,000 Boston Private Financial Holdings , Inc . Boston Mass . $ 154,000,000 Severn Bancorp , Inc . Annapolis Md . $ 23,393,000 Trustmark Corporation Jackson Miss . $ 215,000,000 First Niagara Financial Group Lockport $ 184,011,000 Western Alliance Bancorporation Las Vegas Nev . $ 140,000,000 First Community Corporation Lexington S.C . $ 11,350,000 HF Financial Corp . Sioux Falls S.D . $ 25,000,000 First Community Bankshares Inc . Bluefield Va . $ 41,500,000 Banner Corporation Walla Walla Wash . $ 124,000,000 Cascade Financial Corporation Everett $ 38,970,000 Columbia Banking System , Inc . Tacoma $ 76,898,000 Heritage Financial Corporation Olympia $ 24,000,000 Associated Banc - Corp Green Bay Wis . $ 525,000,000 12 / 5 / 2008 Superior Bancorp Inc . Birmingham Ala . $ 69,000,000 12 / 5 / 2008 Manhattan Bancorp El Segundo $ 1,700,000 East West Bancorp Pasadena $ 306,546,000 Cathay General Bancorp $ 258,000,000 CVB Financial Corp Ontario $ 130,000,000 Bank of Marin Bancorp Novato $ 28,000,000 Oak Valley Bancorp Oakdale $ 13,500,000 Coastal Banking Company , Inc . Fernandina Beach Fla . $ 9,950,000 TIB Financial Corp Naples $ 37,000,000 FPB Bancorp , Inc . Port St . Lucie $ 5,800,000 United Community Banks , Inc . Blairsville $ 180,000,000 MB Financial Inc . Chicago $ 196,000,000 First Midwest Bancorp , Inc . Itasca $ 193,000,000 Old National Bancorp Evansville Ind . $ 100,000,000 Blue Valley Ban Corp Overland Park Kan . $ 21,750,000 Iberiabank Corporation Lafayette La . $ 90,000,000 Central Bancorp , Inc . Somerville $ 10,000,000 Eagle Bancorp , Inc . Bethesda $ 38,235,000 Sandy Spring Bancorp , Inc . Olney $ 83,094,000 Old Line Bancshares , Inc . Bowie $ 7,000,000 Great Southern Bancorp Springfield Mo . $ 58,000,000 Southern Missouri Bancorp , Inc . Poplar Bluff Mo . $ 9,550,000 Southern Community Financial Corp . Winston - Salem $ 42,750,000 Bank of North Carolina Thomasville $ 31,260,000 Unity Bancorp , Inc . Clinton N.J . $ 20,649,000 State Bancorp , Inc . Jericho $ 36,842,000 First Defiance Financial Corp . Defiance $ 37,000,000 Central Federal Corporation Fairlawn $ 7,225,000 Southwest Bancorp , Inc . Stillwater Okla . $ 70,000,000 Popular , Inc . San Juan Puerto Rico $ 935,000,000 South Financial Group , Inc . Greenville S.C . $ 347,000,000 First Financial Holdings Inc . Charleston $ 65,000,000 Encore Bancshares Inc . Houston Texas $ 34,000,000 Wesbanco Bank Inc . Wheeling W . Va . $ 75,000,000 Sterling Financial Corporation Spokane $ 303,000,000 12 / 12 / 2008 Bank Of the Ozarks Inc . Little Rock Ariz . $ 75,000,000 12 / 12 / 2008 SVB Financial Group Santa Clara $ 235,000,000 Center Financial Corp . $ 55,000,000 Wilshire Bancorp Inc . $ 62,158,000 First Litchfield Financial Corp . Litchfield Conn . $ 10,000,000 Wilmington Trust Corp . Wilmington Del . $ 330,000,000 The Bancorp Inc . Wilmington Del . $ 45,220,000 Indiana Community Bancorp Columbus Ind . $ 21,500,000 HopFed Bancorp Hopkinsville Ky . $ 18,400,000 LSB Corp . Andover Mass . $ 15,000,000 Northeast Bancorp Lewiston Maine $ 4,227,000 Citizens Republic Bancorp Inc . Flint Mich . $ 300,000,000 Independent Bank Corp . Ionia Mich . $ 72,000,000 Capital Bank Corp . Raliegh $ 41,279,000 NewBridge Bancorp Greensboro $ 52,372,000 Citizens South Banking Corp . Gastonia $ 20,500,000 Signature Bank $ 120,000,000 LNB Bancorp Inc . Lorain $ 25,223,000 Susquehanna Bancshares Inc . Lititz Pa . National Penn Bancshares Inc . Boyertown Pa . $ 150,000,000 Fidelity Bancorp Inc . Pittsburgh $ 7,000,000 Pinnacle Financial Partners Inc . Nashville Tenn . $ 95,000,000 Sterling Bancshares Inc . Houston $ 125,198,000 TowneBank Portsmouth $ 76,458,000 Valley Financial Corp . Roanoke $ 16,019,000 Virginia Commerce Bancorp Arlington $ 71,000,000 Pacific International Bancorp Seattle $ 6,500,000 12 / 19 / 2008 BancTrust Financial Group , Inc . Mobile Ala . $ 50,000,000 12 / 19 / 2008 Community West Bancshares Goleta $ 15,600,000 Summit State Bank Santa Rosa $ 8,500,000 Santa Lucia Bancorp Atascadero $ 4,000,000 First California Financial Group , Inc Westlake Village $ 25,000,000 Pacific City Finacial Corporation $ 16,200,000 Exchange Bank Santa Rosa $ 43,000,000 NCAL Bancorp CoBiz Financial Inc . Denver Colo . $ 64,450,000 The Connecticut Bank and Trust Company Hartford $ 5,448,000 Seacoast Banking Corporation of Florida Stuart $ 50,000,000 Synovus Financial Corp . $ 967,870,000 Fidelity Southern Corporation Atlanta $ 48,200,000 Heartland Financial USA , Inc . Dubuque Iowa $ 81,698,000 Intermountain Community Bancorp Sandpoint Idaho $ 27,000,000 Wintrust Financial Corporation Lake Forest $ 250,000,000 Marquette National Corporation $ 35,500,000 Bridgeview Bancorp , Inc . Bridgeview $ 38,000,000 Horizon Bancorp Michigan City FFW Corporation Wabash $ 7,289,000 Fidelity Financial Corporation Wichita Kan . $ 36,282,000 Citizens First Corporation Bowling Green $ 8,779,000 FCB Bancorp , Inc . Louisville $ 9,294,000 Whitney Holding Corporation New Orleans La . Wainwright Bank & Trust Company Mass . $ 22,000,000 Berkshire Hills Bancorp , Inc . Pittsfield $ 40,000,000 OneUnited Bank $ 12,063,000 Tri - County Financial Corporation Waldorf $ 15,540,000 Patapsco Bancorp , Inc . Dundalk $ 6,000,000 Enterprise Financial Services Corp . St . Louis $ 35,000,000 Hawthorn Bancshares , Inc . Lee ' s Summit $ 30,255,000 Monadnock Bancorp , Inc . Peterborough N.H . $ 1,834,000 Flushing Financial Corporation Lake Success $ 70,000,000 The Elmira Savings Bank , FSB Elmira $ 9,090,000 Alliance Financial Corporation Syracuse $ 26,918,000 Mid Penn Bancorp , Inc . Millersburg VIST Financial Corp . Wyomissing AmeriServ Financial , Inc Johnstown $ 21,000,000 Bancorp Rhode Island , Inc . Providence R.I . $ 30,000,000 Security Federal Corporation Aiken $ 18,000,000 Tidelands Bancshares , Inc Mt . Pleasant $ 14,448,000 Tennessee Commerce Bancorp , Inc . Franklin $ 30,000,000 Plains Capital Corporation Dallas $ 87,631,000 Patriot Bancshares , Inc . $ 26,038,000 Community Bankers Trust Corporation Glen Allen $ 17,680,000 Community Financial Corporation Staunton $ 12,643,000 Monarch Financial Holdings , Inc . Chesapeake $ 14,700,000 StellarOne Corporation Charlottesville Union Bankshares Corporation Bowling Green $ 59,000,000 12 / 23 / 2008 First Financial Bancorp Cincinnati Ohio $ 80,000,000 12 / 23 / 2008 Bridge Capital Holdings San Jose Calif . $ 23,864,000 International Bancshares Corporation Laredo Texas $ 216,000,000 First Sound Bank Wash . $ 7,400,000 M&T Bank Corporation Buffalo N.Y . $ 600,000,000 Emclaire Financial Corp . Emlenton Pa . $ 7,500,000 Park National Corporation Newark Ohio $ 100,000,000 Green Bankshares , Inc . Greeneville Tenn . $ 72,278,000 Cecil Bancorp , Inc . Elkton Md . $ 11,560,000 Financial Institutions , Inc . Warsaw N.Y . $ 37,515,000 Fulton Financial Corporation Lancaster Pa . $ 376,500,000 United Bancorporation of Alabama , Inc . Atmore $ 10,300,000 MutualFirst Financial , Inc . Muncie Ind . $ 32,382,000 BCSB Bancorp , Inc . Baltimore Md . $ 10,800,000 HMN Financial , Inc . Rochester Minn . $ 26,000,000 First Community Bank Corporation of America Pinellas Park Fla . $ 10,685,000 Sterling Bancorp $ 42,000,000 Intervest Bancshares Corporation Peoples Bancorp of North Carolina , Inc . Newton N.C . $ 25,054,000 Parkvale Financial Corporation Monroeville $ 31,762,000 Timberland Bancorp , Inc . Hoquiam Wash . $ 16,641,000 1st Constitution Bancorp Cranbury N.J . $ 12,000,000 Central Jersey Bancorp Oakhurst N.J . $ 11,300,000 Western Illinois Bancshares Inc . Monmouth Ill . $ 6,855,000 Saigon National Bank Westminster Calif . $ 1,549,000 Capital Pacific Bancorp Portland Ore . $ 4,000,000 Uwharrie Capital Corp Albemarle N.C . Mission Valley Bancorp Sun Valley $ 5,500,000 The Little Bank , Incorporated Kinston $ 7,500,000 Pacific Commerce Bank $ 4,060,000 Citizens Community Bank South Hill Va . $ 3,000,000 Seacoast Commerce Bank Chula Vista $ 1,800,000 TCNB Financial Corp . Dayton $ 2,000,000 Leader Bancorp , Inc . Arlington $ 5,830,000 Nicolet Bankshares , Inc . Green Bay Wis . $ 14,964,000 Magna Bank Memphis Tenn . $ 13,795,000 Western Community Bancshares , Inc . Palm Desert $ 7,290,000 Community Investors Bancorp , Inc . Bucyrus $ 2,600,000 Capital Bancorp , Inc . Rockville $ 4,700,000 Cache Valley Banking Company Logan Utah $ 4,767,000 Citizens Bancorp Nevada City $ 10,400,000 Tennessee Valley Financial Holdings , Inc . Oak Ridge $ 3,000,000 12 / 31 / 2008 SunTrust Banks , Inc . $ 1,350,000,000 12 / 31 / 2008 West Bancorporation , Inc . West Des Moines Iowa $ 36,000,000 First Banks , Inc . Clayton $ 295,400,000 CIT Group Inc . $ 2,330,000,000 Fifth Third Bancorp Cincinnati $ 3,408,000,000 The PNC Financial Services Group Inc . Pittsburgh $ 7,579,200,000 Hampton Roads Bankshares , Inc . Norfolk $ 80,347,000 1 / 9 / 2009 Commerce National Bank Newport Beach $ 5,000,000 1 / 9 / 2009 Security California Bancorp Riverside $ 6,815,000 Security Business Bancorp San Diego $ 5,803,000 Mission Community Bancorp San Luis Obispo $ 5,116,000 Valley Community Bank Pleasanton $ 5,500,000 Colony Bankcorp , Inc . Fitzgerald $ 28,000,000 The Queensborough Company $ 12,000,000 Central Pacific Financial Corp . Honolulu Hawaii $ 135,000,000 North Central Bancshares , Inc . Fort Dodge $ 10,200,000 American State Bancshares , Inc . Great Bend $ 6,000,000 Farmers Capital Bank Corporation Frankfort First Financial Service Corporation Elizabethtown $ 20,000,000 MidSouth Bancorp , Inc . Lafayette $ 20,000,000 Community Trust Financial Corporation Ruston $ 24,000,000 Independent Bank Corp . Rockland $ 78,158,000 Shore Bancshares , Inc . Easton Rising Sun Bancorp Rising Sun $ 5,983,000 The First Bancorp , Inc . Damariscotta Maine Redwood Financial Inc . Redwood Falls Minn . $ 2,995,000 Centrue Financial Corporation St . Louis $ 32,668,000 Cadence Financial Corporation Starkville Miss . $ 44,000,000 Bank of America Corp . ( Footnote 1 ) Charlotte Crescent Financial Corporation Cary $ 24,900,000 Carolina Bank Holdings , Inc . Greensboro $ 16,000,000 First Bancorp Troy $ 65,000,000 Sound Banking Company Morehead City $ 3,070,000 Surrey Bancorp Mount Airy $ 2,000,000 Peapack - Gladstone Financial Corporation Gladstone $ 28,685,000 Sun Bancorp , Inc . Vineland $ 89,310,000 Center Bancorp , Inc . Union American Express Company $ 3,388,890,000 New York Private Bank & Trust Corporation $ 267,274,000 FirstMerit Corporation Akron $ 125,000,000 LCNB Corp . Lebanon $ 13,400,000 F.N.B. Corporation Hermitage $ 100,000,000 Codorus Valley Bancorp , Inc . York $ 16,500,000 Independence Bank East Greenwich R.I . $ 1,065,000 GrandSouth Bancorporation Greenville $ 9,000,000 Congaree Bancshares , Inc . Cayce $ 3,285,000 First Security Group , Inc . Chattanooga $ 33,000,000 Texas National Bancorporation Jacksonville $ 3,981,000 Eastern Virginia Bankshares , Inc . Tappahannock C&F Financial Corporation West Point 1 / 16 / 2009 Home Bancshares , Inc . Conway Ark 1 / 16 / 2009 Southern Bancorp , Inc . Arkadelphia Ark . $ 11,000,000 Community 1st Bank Roseville $ 2,550,000 Pacific Coast National Bancorp San Clemente $ 4,120,000 Community Bank of the Bay Oakland $ 1,747,000 Redwood Capital Bancorp Eureka $ 3,800,000 Syringa Bancorp Boise Idaho $ 8,000,000 Idaho Bancorp Boise $ 6,900,000 Old Second Bancorp , Inc . Aurora $ 73,000,000 First Bankers Trustshares , Inc . Quincy MainSource Financial Group , Inc . Greensburg $ 57,000,000 Morrill Bancshares , Inc . Merriam $ 13,000,000 Bar Harbor Bankshares / Bar Harbor Bank & Trust Bar Harbor $ 18,751,000 United Bancorp , Inc . Tecumseh $ 20,600,000 Pulaski Financial Corp Creve Coeur $ 32,538,000 Dickinson Financial Corporation II Kansas City Mont . $ 146,053,000 ECB Bancorp , Inc . / East Carolina Bank Engelhard $ 17,949,000 Yadkin Valley Financial Corporation Elkin $ 36,000,000 Bank of Commerce State Bankshares , Inc . Fargo N.D . BNCCORP , Inc . Bismarck N.D . $ 20,093,000 New Hampshire Thrift Bancshares , Inc . Newport N.H . Somerset Hills Bancorp Bernardsville $ 7,414,000 OceanFirst Financial Corp . Toms River $ 38,263,000 Carver Bancorp , Inc $ 18,980,000 S&T Bancorp Indiana $ 108,676,000 Citizens & Northern Corporation Wellsboro $ 26,440,000 First BanCorp San Juan Puerto Rico SCBT Financial Corporation Columbia $ 64,779,000 Texas Capital Bancshares , Inc . MetroCorp Bancshares , Inc . $ 45,000,000 TCB Holding Company , Texas Community Bank The Woodlands $ 11,730,000 Treaty Oak Bancorp , Inc . Austin $ 3,268,000 United Financial Banking Companies , Inc . Vienna $ 5,658,000 Centra Financial Holdings , Inc . / Centra Bank , Inc . Morgantown W . Va . $ 15,000,000 Washington Banking Company / Whidbey Island Bank Oak Harbor $ 26,380,000 Puget Sound Bank Bellevue $ 4,500,000 The Baraboo Bancorporation Baraboo $ 20,749,000 First Manitowoc Bancorp , Inc . Manitowoc 1 / 22 / 2009 Liberty Bancshares , Inc . Jonesboro Ark . $ 57,500,000 1 / 22 / 2009 Commonwealth Business Bank $ 7,701,000 CalWest Bancorp Rancho Santa Margarita $ 4,656,000 Fresno First Bank Fresno $ 1,968,000 First ULB Corp . Oakland $ 4,900,000 California Oaks State Bank Thousand Oaks $ 3,300,000 WSFS Financial Corporation $ 52,625,000 Seaside National Bank & Trust Orlando $ 5,677,000 Alarion Financial Services , Inc . Ocala $ 6,514,000 Princeton National Bancorp , Inc . Princeton $ 25,083,000 Midland States Bancorp , Inc . Effingham $ 10,189,000 Southern Illinois Bancorp , Inc . Carmi $ 5,000,000 1st Source Corporation South Bend $ 111,000,000 FPB Financial Corp . Hammond $ 3,240,000 Crosstown Holding Company Blaine $ 10,650,000 BankFirst Capital Corporation Macon Miss . $ 15,500,000 Calvert Financial Corporation Ashland $ 1,037,000 AB&T Financial Corporation Gastonia $ 3,500,000 First Citizens Banc Corp Sandusky $ 23,184,000 Stonebridge Financial Corp . West Chester $ 10,973,000 Moscow Bancshares , Inc . Moscow $ 6,216,000 Farmers Bank Windsor $ 8,752,000 Pierce County Bancorp Tacoma $ 6,800,000 1 / 30 / 2009 Goldwater Bank , N.A . Scottsdale Ariz . $ 2,568,000 1 / 30 / 2009 Rogers Bancshares , Inc . Little Rock Peninsula Bank Holding Co . Palo Alto Central Valley Community Bancorp Fresno Plumas Bancorp Quincy $ 11,949,000 Valley Commerce Bancorp Visalia $ 7,700,000 Ojai Community Bank Ojai $ 2,080,000 Beach Business Bank Manhattan Beach Bankers ' Bank of tde West Bancorp , Inc . Denver Colo . $ 12,639,000 First Soutdern Bancorp , Inc . Boca Raton $ 10,900,000 Metro City Bank Doraville $ 7,700,000 PrivateBancorp , Inc . $ 243,815,000 AMB Financial Corp . Munster $ 3,674,000 UBT Bancshares , Inc . Marysville $ 8,950,000 Equity Bancshares , Inc . Wichita $ 8,750,000 Katahdin Bankshares Corp . Houlton $ 10,449,000 First United Corporation Annapolis Bancorp , Inc . Annapolis $ 8,152,000 Monument Bank Betdesda $ 4,734,000 Flagstar Bancorp , Inc . Troy $ 266,657,000 Firstbank Corporation Alma $ 33,000,000 Guaranty Federal Bancshares , Inc . Springfield $ 17,000,000 Oak Ridge Financial Services , Inc . Oak Ridge Nortdway Financial , Inc . Berlin Parke Bancorp , Inc . Sewell $ 16,288,000 Stewardship Financial Corporation Midland Park Community Partners Bancorp Middletown Hilltop Community Bancorp , Inc . Summit Adbanc , Inc Ogallala Neb . $ 12,720,000 Country Bank Shares , Inc . Milford Neb . $ 7,525,000 Peoples Bancorp Inc . Marietta $ 39,000,000 DNB Financial Corporation Downingtown $ 11,750,000 First Resource Bank Exton $ 2,600,000 Greer Bancshares Incorporated Greer $ 9,993,000 F & M Bancshares , Inc . Trezevant $ 4,609,000 Central Bancshares , Inc . $ 5,800,000 Central Virginia Bankshares , Inc . Powhatan $ 11,385,000 Middleburg Financial Corporation Middleburg $ 22,000,000 WashingtonFirst Bank Reston $ 6,633,000 W.T.B. Financial Corporation Spokane $ 110,000,000 Anchor BanCorp Wisconsin Inc . Madison $ 110,000,000 Legacy Bancorp , Inc . Milwaukee $ 5,498,000 2 / 6 / 2009 Alaska Pacific Bancshares , Inc . Juneau Alaska $ 4,781,000 2 / 6 / 2009 US Metro Bank Garden Grove $ 2,861,000 First Western Financial , Inc . $ 8,559,000 Community Holding Company of Florida , Inc . Miramar Beach $ 1,050,000 Georgia Commerce Bancshares , Inc . $ 8,700,000 PGB Holdings , Inc . MidWestOne Financial Group , Inc . Iowa City $ 16,000,000 The Freeport State Bank Harper $ 301,000 Citizens Commerce Bancshares , Inc . Versailles $ 6,300,000 Todd Bancshares , Inc . Hopkinsville Liberty Financial Services , Inc . New Orleans $ 5,645,000 Mercantile Capital Corp . $ 3,500,000 Monarch Community Bancorp , Inc . Coldwater $ 6,785,000 The First Bancshares , Inc . Hattiesburg Carolina Trust Bank Lincolnton F & M Financial Corporation Salisbury The Bank of Currituck Moyock $ 4,021,000 Centrix Bank & Trust Bedford Lakeland Bancorp , Inc . $ 59,000,000 Pascack Community Bank Westwood $ 3,756,000 First Express of Nebraska , Inc . Gering Banner County Ban Corporation Harrisburg $ 795,000 Hyperion Bank Philadelphia $ 1,552,000 Stockmens Financial Corporation Rapid City S.D . $ 15,568,000 CedarStone Bank Lebanon $ 3,564,000 Lone Star Bank $ 3,072,000 First Market Bank , FSB Richmond $ 33,900,000 First Bank of Charleston , Inc . Charleston $ 3,345,000 2 / 13 / 2009 Corning Savings and Loan Association Corning $ 638,000 2 / 13 / 2009 Westamerica Bancorporation San Rafael $ 83,726,000 1st Enterprise Bank $ 4,400,000 Santa Clara Valley Bank , N.A . Santa Paula $ 2,900,000 First Choice Bank Cerritos $ 2,200,000 ColoEast Bankshares , Inc . Lamar QCR Holdings , Inc . Moline $ 38,237,000 Bern Bancshares , Inc . Bern $ 985,000 The Bank of Kentucky Financial Corporation Crestview Hills $ 34,000,000 Hometown Bancshares , Inc . Corbin $ 1,900,000 Carrollton Bancorp $ 9,201,000 State Capital Corporation Greenwood $ 15,000,000 DeSoto County Bank Horn Lake $ 1,173,000 Security Bancshares of Pulaski County , Inc . Waynesville $ 2,152,000 Reliance Bancshares , Inc . Frontenac Gregg Bancshares , Inc . Ozark $ 825,000 Midwest Regional Bancorp , Inc . Festus $ 700,000 Liberty Bancshares , Inc . $ 21,900,000 FNB United Corp . Asheboro $ 51,500,000 PremierWest Bancorp Medford Ore . $ 41,400,000 Meridian Bank Devon $ 6,200,000 BankGreenville $ 1,000,000 Regional Bankshares , Inc . Hartsville $ 1,500,000 F&M Financial Corp . Clarksville $ 17,243,000 Peoples Bancorp Lynden $ 18,000,000 Northwest Bancorporation , Inc . $ 10,500,000 Northwest Commercial Bank Lakewood $ 1,992,000 First Menasha Bancshares , Inc . Neenah $ 4,797,000 Financial Security Corporation Basin Wyo . 2 / 20 / 2009 Hometown Bancorp of Alabama , Inc . Oneonta Ala . $ 3,250,000 2 / 20 / 2009 White River Bancshares Company Fayetteville $ 16,800,000 Sonoma Valley Bancorp Sonoma $ 8,653,000 The Private Bank of California $ 5,450,000 United American Bank San Mateo $ 8,700,000 Premier Service Bank Riverside Florida Business BancGroup , Inc . Tampa $ 9,495,000 Liberty Shares , Inc . Hinesville $ 17,280,000 CBB Bancorp Cartersville $ 2,644,000 Hamilton State Bancshares , Inc . Hoschton Northern States Financial Corporation Waukegan $ 17,211,000 First BancTrust Corporation Paris $ 7,350,000 First Merchants Corporation Muncie $ 116,000,000 Market Bancorporation , Inc . New Market $ 2,060,000 Lafayette Bancorp , Inc . Oxford $ 1,998,000 BancPlus Corporation Ridgeland $ 48,000,000 Security State Bancshares , Inc . Mont . $ 12,500,000 Guaranty Bancorp , Inc . Woodsville $ 6,920,000 Royal Bancshares of Pennsylvania , Inc . Narberth $ 30,407,000 First Priority Financial Corp . Malvern $ 4,579,000 Central Community Corporation Temple Mid - Wisconsin Financial Services , Inc . Medford Crazy Woman Creek Bancorp , Inc . Buffalo Wyo . $ 3,100,000 2 / 27 / 2009 California Bank of Commerce 2 / 27 / 2009 Community Business Bank West Sacramento $ 3,976,000 FNB Bancorp South California Bank of Commerce Community Business Bank West Sacramento $ 3,976,000 FNB Bancorp South Columbine Capital Corp . Buena Vista $ 2,260,000 Columbine Capital Corp . Buena Vista $ 2,260,000 BNC Financial Group , Inc . New Canaan $ 4,797,000 BNC Financial Group , Inc . New Canaan Midtown Bank & Trust Company $ 5,222,000 Midtown Bank & Trust Company $ 5,222,000 D.L. Evans Bancorp Burley $ 19,891,000 D.L. Evans Bancorp Burley $ 19,891,000 Lakeland Financial Corporation Warsaw $ 56,044,000 Integra Bank Corporation Evansville $ 83,586,000 Lakeland Financial Corporation $ 56,044,000 Integra Bank Corporation $ 83,586,000 National Bancshares , Inc . Bettendorf $ 24,664,000 Green Circle Investments , Inc . Clive $ 2,400,000 National Bancshares , Inc . Bettendorf $ 24,664,000 Green Circle Investments , Inc . Clive $ 2,400,000 PSB Financial Corporation Many $ 9,270,000 PSB Financial Corporation Many $ 9,270,000 Howard Bancorp , Inc . Ellicott City $ 5,983,000 Howard Bancorp , Inc . Ellicott City Private Bancorporation , Inc . Minneapolis $ 4,960,000 Private Bancorporation , Inc . $ 4,960,000 First M&F Corporation Kosciusko First M&F Corporation Kosciusko Green City Bancshares , Inc . Green City $ 651,000 Green City Bancshares , Inc . Green City $ 651,000 Catskill Hudson Bancorp , Inc Rock Hill Catskill Hudson Bancorp , Inc Rock Hill First Gothenburg Bancshares , Inc . Gothenburg $ 7,570,000 First Gothenburg Bancshares , Inc . Gothenburg $ 7,570,000 Regent Capital Corporation Nowata Okla . $ 2,655,000 Regent Capital Corporation Nowata $ 2,655,000 TriState Capital Holdings , Inc . $ 23,000,000 The Victory Bank Limerick $ 541,000 TriState Capital Holdings , Inc . $ 23,000,000 The Victory Bank Limerick $ 541,000 Southern First Bancshares , Inc . $ 17,299,000 Southern First Bancshares , Inc . $ 17,299,000 Community First Inc . Columbia $ 17,806,000 Avenue Financial Holdings , Inc . Nashville $ 7,400,000 Community First Inc . $ 17,806,000 Avenue Financial Holdings , Inc . First State Bank of Mobeetie Mobeetie $ 731,000 Central Bancorp , Inc . Garland $ 22,500,000 First State Bank of Mobeetie Mobeetie $ 731,000 Garland $ 22,500,000 Medallion Bank Salt Lake City Utah $ 11,800,000 Medallion Bank $ 11,800,000 Ridgestone Financial Services , Inc . Brookfield $ 10,900,000 Ridgestone Financial Services , Inc . Brookfield 3 / 6 / 2009 First Federal Bancshares of Arkansas , Inc . Harrison $ 16,500,000 3 / 6 / 2009 ICB Financial Ontario First Southwest Bancorporation , Inc . Alamosa Highlands Independent Bancshares , Inc . Sebring $ 6,700,000 Pinnacle Bank Holding Company , Inc . Orange City $ 4,389,000 Marine Bank & Trust Company Vero Beach Regent Bancorp , Inc . Davie $ 9,982,000 Citizens Bancshares Corporation $ 7,462,000 PeoplesSouth Bancshares , Inc . Colquitt $ 12,325,000 First Busey Corporation Urbana Blue River Bancshares , Inc . Shelbyville Community Bancshares of Kansas , Inc . Goff $ 500,000 Blue Ridge Bancshares , Inc . Independence AmeriBank Holding Company Collinsville $ 2,492,000 HCSB Financial Corporation Loris $ 12,895,000 First Reliance Bancshares , Inc . Florence $ 15,349,000 Merchants and Planters Bancshares , Inc . Toone $ 1,881,000 Germantown Capital Corporation , Inc . Germantown $ 4,967,000 First Texas BHC , Inc . Fort Worth $ 13,533,000 Farmers & Merchants Bancshares , Inc . $ 11,000,000 BOH Holdings , Inc . Park Bancorporation , Inc . Madison $ 23,200,000 3 / 13 / 2009 BancIndependent , Inc . Sheffield $ 21,100,000 3 / 13 / 2009 First Northern Community Bancorp Dixon $ 17,390,000 Salisbury Bancorp , Inc . Lakeville $ 8,816,000 1st United Bancorp , Inc . Boca Raton First Intercontinental Bank Doraville $ 6,398,000 Discover Financial Services Riverwoods $ 1,224,558,000 Butler Point , Inc . Catlin $ 607,000 Haviland Bancshares , Inc . Haviland $ 425,000 Madison Financial Corporation Richmond $ 3,370,000 St . Johns Bancshares , Inc . First American International Corp . Brooklyn IBW Financial Corporation Washington DC n / a Bank of George Las Vegas Nev . $ 2,672,000 First Place Financial Corp . Warren $ 72,927,000 Provident Community Bancshares , Inc . $ 9,266,000 Moneytree Corporation Lenoir City $ 9,516,000 Sovereign Bancshares , Inc . $ 18,215,000 First National Corporation Strasburg $ 13,900,000 Blackhawk Bancorp , Inc . Beloit 3 / 20 / 2009 Heritage Oaks Bancorp Paso Robles $ 21,000,000 3 / 20 / 2009 Premier Bank Holding Company Tallahassee $ 9,500,000 Farmers & Merchants Financial Corporation Argonia $ 442,000 Farmers State Bankshares , Inc . Holton $ 700,000 First NBC Bank Holding Company $ 17,836,000 Citizens Bank & Trust Company Covington Kirksville Bancorp , Inc . Kirksville $ 470,000 First Colebrook Bancorp , Inc . Colebrook $ 4,500,000 Community First Bancshares Inc . Union City Peoples Bancshares of TN , Inc . Madisonville $ 3,900,000 3 / 27 / 2009 SBT Bancorp , Inc . Simsbury 3 / 27 / 2009 CSRA Bank Corp . Wrens Ga . Trinity Capital Corporation Los Alamos N.M . $ 35,539,000 Clover Community Bankshares , Inc . Clover Pathway Bancorp Cairo Neb . $ 3,727,000 Colonial American Bank West Conshohocken $ 574,000 MS Financial , Inc . Kingwood Texas $ 7,723,000 Triad Bancorp , Inc . Frontenac Mo . $ 3,700,000 Alpine Banks of Colorado Glenwood Springs Colo . Naples Bancorp , Inc . Naples Fla . CBS Banc - Corp . Russellville $ 24,300,000 IBT Bancorp , Inc . Irving $ 2,295,000 Spirit BankCorp , Inc . Bristow Maryland Financial Bank Towson $ 1,700,000 4 / 3 / 2009 First Capital Bancorp , Inc . Glen Ellen Va . $ 10,958,000 4 / 3 / 2009 Tri - State Bank of Memphis Memphis $ 2,795,000 Fortune Financial Corporation Arnold Mo . $ 3,100,000 BancStar , Inc . Festus $ 8,600,000 Titonka Bancshares , Inc Titonka Iowa $ 2,117,000 Millennium Bancorp , Inc . Edwards Colo . $ 7,260,000 TriSummit Bank Kingsport $ 2,765,000 Prairie Star Bancshares , Inc . Olathe Kan . $ 2,800,000 Community First Bancshares , Inc . Harrison Ark . $ 12,725,000 BCB Holding Company , Inc . Theodore $ 1,706,000 4 / 10 / 2009 City National Bancshares Corporation Newark $ 9,439,000 4 / 10 / 2009 First Business Bank , N.A . San Diego $ 2,211,000 SV Financial , Inc . Sterling Ill . Capital Commerce Bancorp , Inc . Milwaukee Wis . $ 5,100,000 Metropolitan Capital Bancorp , Inc . Chicago $ 2,040,000 4 / 17 / 2009 Bank of the Carolinas Corporation Mocksville $ 13,179,000 4 / 17 / 2009 Penn Liberty Financial Corp . Wayne $ 9,960,000 Tifton Banking Company Tifton Ga . $ 3,800,000 Patterson Bancshares , Inc Patterson La . $ 3,690,000 BNB Financial Services Corporation New York $ 7,500,000 Omega Capital Corp . Lakewood $ 2,816,000 4 / 24 / 2009 Mackinac Financial Corporation / mBank Manistique 4 / 24 / 2009 Birmingham Bloomfield Bancshares , Inc $ 1,635,000 Vision Bank - Texas Richardson $ 1,500,000 Oregon Bancorp , Inc . Salem $ 3,216,000 Peoples Bancorporation , Inc . Easley $ 12,660,000 Indiana Bank Corp . Dana Ind . $ 1,312,000 Business Bancshares , Inc . Clayton Standard Bancshares , Inc . Hickory Hills $ 60,000,000 York Traditions Bank York $ 4,871,000 Grand Capital Corporation Tulsa Allied First Bancorp , Inc . Oswego $ 3,652,000 Frontier Bancshares , Inc . Austin 5 / 1 / 2009 Village Bank and Trust Financial Corp . Midlothian $ 14,738,000 5 / 1 / 2009 CenterBank Milford $ 2,250,000 Georgia Primary Bank Union Bank & Trust Company Oxford $ 3,194,000 HPK Financial Corporation OSB Financial Services , Inc . Orange $ 6,100,000 Security State Bank Holding - Company Jamestown $ 10,750,000 5 / 8 / 2009 Highlands State Bank Vernon $ 3,091,000 5 / 8 / 2009 One Georgia Bank Atlanta Gateway Bancshares , Inc . Ringgold Freeport Bancshares , Inc . Freeport Investors Financial Corporation of Pettis County , Inc . Sedalia Sword Financial Corporation Horicon Wis . $ 13,644,000 Premier Bancorp , Inc . Wilmette $ 6,784,000 5 / 15 / 2009 Mercantile Bank Corporation Grand Rapids Mich . 5 / 15 / 2009 Northern State Bank Closter $ 1,341,000 Western Reserve Bancorp , Inc Medina $ 4,700,000 Community Financial Shares , Inc . Glen Ellyn $ 6,970,000 Worthington Financial Holdings , Inc . Huntsville $ 2,720,000 First Community Bancshares , Inc Overland Park Kan . $ 14,800,000 Southern Heritage Bancshares , Inc . Cleveland $ 4,862,000 Foresight Financial Group , Inc . Rockford IBC Bancorp , Inc . Chicago $ 4,205,000 Boscobel Bancorp , Inc Boscobel $ 5,586,000 Brogan Bankshares , Inc . Kaukauna Riverside Bancshares , Inc . Little Rock Ark . $ 1,100,000 Deerfield Financial Corporation Deerfield $ 2,639,000 Market Street Bancshares , Inc . Mt . Vernon $ 20,300,000 5 / 22 / 2009 The Landrum Company Columbia Mo . . 5 / 22 / 2009 First Advantage Bancshares Inc . Coon Rapids $ 1,177,000 Fort Lee Federal Savings Bank Fort Lee $ 1,300,000 Blackridge Financial , Inc . Fargo N.D . Illinois State Bancorp , Inc . $ 6,272,000 Universal Bancorp Bloomfield $ 9,900,000 Franklin Bancorp , Inc . Washington $ 5,097,000 Commonwealth Bancshares , Inc . Louisville Ky . $ 20,400,000 Premier Financial Corp Dubuque Iowa $ 6,349,000 F & C Bancorp , Inc . Holden $ 2,993,000 Diamond Bancorp , Inc . Washington $ 20,445,000 United Bank Corporation Barnesville $ 14,400,000 5 / 29 / 2009 Community Bank Shares of Indiana , Inc . New Albany $ 19,468,000 5 / 29 / 2009 American Premier Bancorp Arcadia $ 1,800,000 CB Holding Corp . Aledo $ 4,114,000 Citizens Bancshares Co . Chillicothe $ 24,990,000 Grand Mountain Bancshares , Inc . Granby $ 3,076,000 Two Rivers Financial Group Burlington Fidelity Bancorp , Inc Baton Rouge La . $ 3,942,000 Chambers Bancshares , Inc . Danville $ 19,817,000 6 / 5 / 2009 Covenant Financial Corporation Clarksdale Miss . $ 5,000,000 6 / 5 / 2009 First Trust Corporation New Orleans $ 17,969,000 OneFinancial Corporation $ 17,300,000 6 / 12 / 2009 Berkshire Bancorp , Inc . Wyomissing $ 2,892,000 6 / 12 / 2009 First Vernon Bancshares , Inc . Vernon SouthFirst Bancshares , Inc . Sylacauga	[ "banks", "Treasury Department", "Capital Purchase Program" ]
http://money.cnn.com/quote/mutualfund/mutualfund.html?symb=MDLOX	BlackRock Global Allocation Fund , Inc . Investor A Shares ( MDLOX ) Add to Watch List Set Alert 18.71 Net Asset Value + 0.05 % 1 Day + 8.15 % Year - to - Date Overall Morningstar Rating World allocation Style or Category 5.25 Sales Expenses 1.15 % Expense Ratio Below Average Morningstar Risk Rating ™ vs . Category vs . S&P 500 Chart Investment Objective The investment seeks to provide high total investment return . The fund invests in a portfolio of equity , debt and money market securities . Generally , the fund ' s portfolio will include both equity and debt securities . It may invest up to 35 % of its total assets in " junk bonds , " corporate loans and distressed securities . The fund may also invest in Real Estate Investment Trusts ( " REITs " ) and securities related to real assets ( like real estate - or precious metals - related securities ) such as stock , Performance 1 month + 1.52 % 3 years + 5.59 % 3 months + 5.71 % 5 years + 3.66 % 1 year 0.00 % Since inception + 8.34 % Data through - - Peer Comparison vs . World allocation MDLOX Category Performance 5 - yr return + 3.66 % + 3.01 % Expense ratio 1.15 % 1.23 % Risk 5 year sharpe ratio 0.38 0.33 Net assets $ 28.1B $ 2.7B Average market cap $ 52.2B $ 44.7B Average P / E 15.7 15.3 Portfolio turnover 154 % 154 % Money 50 : Best Mutual Funds » There are thousands of mutual funds to choose from . Get Money Magazine ’ s picks in all major categories . Fund Management and Purchase Info Fund family BlackRock Fund manager & tenure Dan Chamby 15 Years Minimal initial investment $ 1,000.00 Minimum IRA investment - - Holdings Fixed income 34.70 % U.S. stock 31.93 % International stock 26.02 % Cash 6.45 % Other 0.90 % Top 5 Sectors Portfolio weighting Industrial materials 18.90 % Financial service 16.01 % Energy 14.99 % Healthcare 11.34 % Telecommunication 10.83 % Top 10 Holdings Portfolio weighting - - 6.71 % - - 6.27 % 3.20 % 2.20 % 1.59 % GOOG Google 1.53 % IAU iShares Gold Trust 1.35 % 1.27 % 1.20 % JNJ Johnson & Johnson Partner Offers Paid Partner	[ "BlackRock Global Allocation Fund" ]
http://money.cnn.com/quote/quote.html?symb=CYS	Symbol not found Your search for “ CYS ” was not found . Partner Offers Paid Partner SmartAsset Paid Partner Hire a pro : compare top 3 financial advisors in your area Savings APY Keeps Climbing - Top Banks Offering 1.86 % This Site Finds the Top 3 Financial Advisors Near You Fall 2018 : How to Maximize Your Savings The Motley Fool You Can Still Buy This " Millionaire Maker " Stock Bitcoin Up 30,000X - - Here ' s Your Backdoor In Motley Fool Issues Rare Triple - Buy Alert This Stock Could Be Like Buying Amazon for $ 3.19 U.S Crime + Justice Energy + Environment Extreme Weather Space + Science World Africa Americas Asia Australia Europe Middle East UK Politics 45 Congress Supreme Court 2018 Key Races Primary Results Business Markets Tech Media Success Video Opinion Political Op - Eds Social Commentary Health Food Fitness Wellness Parenting Vital Signs Entertainment Stars Screen Binge Culture Media Tech Innovate Gadget Mission : Ahead Upstarts Innovative Cities Style Arts Design Fashion Architecture Luxury Autos Video Travel Destinations Food & Drink Play Stay Videos Sports Pro Football College Football Basketball Baseball Soccer Olympics Live TV Digital Studios CNN Films HLNTV Schedule TV Shows A - Z CNNVR Shop CNN Underscored - Explore - Wellness - Gadgets - Lifestyle CNN Store More . . . Photos Longform Investigations CNN Profiles CNN Leadership CNN Newsletters Work for CNN Most stock quote data provided by BATS . Market indices are shown in real time , except for the DJIA , which is delayed by two minutes . All times are ET . Disclaimer . Morningstar : © 2019 Morningstar , Inc . All Rights Reserved . Factset : FactSet Research Systems Inc . 2019 . All rights reserved . Chicago Mercantile Association : Certain market data is the property of Chicago Mercantile Exchange Inc . and its licensors . All rights reserved . Dow Jones : The Dow Jones branded indices are proprietary to and are calculated , distributed Newsletters Contact Us Terms of Use Privacy Policy Accessibiliy & CC AdChoices	[ "Cable News Network", "Turner Broadcasting System", "stock quote" ]
http://money.cnn.com/quote/quote.html?symb=DNKN	Dunkin ' Brands Group Inc ( NASDAQ : DNKN ) Add to Watch List Set Alert 75.99 Delayed Data As of Apr 12 + 1.22 + 1.63 % Today ’ s Change 59.97 Today \| \| \| 52 - Week Range 77.13 + 18.51 % Year - to - Date Quote Profile News Charts Forecasts Financials Shareholders Competitors vs . Consumer Services News Chart Latest DNKN News \| Press Releases Darden ( DRI ) Outruns Peers : Stock Surges 41 % in a Year Apr 09 / Zacks . com - Paid Partner Content How to Invest in Coffee Stocks Apr 06 / MotleyFool . com - Paid Partner Content See All DNKN News Today ’ s Trading Previous close 74.77 Today ’ s open 74.98 Day ’ s range 74.18 - 76.08 Volume 564,247 Average volume ( 3 months ) 813,734 Market cap $ 6.3B Data as of 4 : 00pm ET , 04 / 12 / 2019 Growth & Valuation Earnings growth ( last year ) - 28.84 % Earnings growth ( this year ) + 2.69 % Earnings growth ( next 5 years ) + 9.00 % Revenue growth ( last year ) + 53.59 % P / E ratio 28.0 Price / Sales 4.08 Price / Book - - Competitors Today ’ s change Today ’ s % change ARMK Aramark + 0.26 + 0.84 % TXRH Texas Roadhouse Inc + 1.45 + 2.38 % WEN Wendys Co + 0.05 + 0.27 % CBRL Cracker Barrel Old C . . . + 1.10 + 0.71 % Data as of 4 : 02pm ET , 04 / 12 / 2019 Financials Next reporting date April 25 , 2019 EPS forecast ( this quarter ) $ 0.62 Annual revenue ( last year ) $ 1.3B Annual profit ( last year ) $ 229.9M Net profit margin 17.40 % Profile Sector Consumer Services Industry Restaurants President , Chief Executive Officer & Director David L . Hoffmann Chief Operating & Supply Officer Scott Murphy Corporate headquarters Canton , Massachusetts Forecasts Partner Offers Paid Partner	[ "Dunkin ' Brands Group Inc" ]
http://money.cnn.com/retirement/guide/pensions_pensions.moneymag/index11.htm	Ultimate guide to retirement Will I pay tax on my pension payouts ? Pensions and benefit plans Basics Pension plans What is a pension ? Do I have to do anything to manage my pension ? What if I leave my company before I retire ? How does vesting work ? When can I access my pension money ? Can I take out a loan from my pension plan ? Should I take a lump - sum payout or monthly payments ? What are the advantages of taking a lump sum ? Should I invest my lump - sum payout in an annuity ? What ' s the difference between a single - life annuity and a joint - and - survivor annuity ? Will I pay tax on my pension payouts ? How should my pension affect my retirement planning ? Will having a public - sector pension affect my Social Security ? Cash - balance plans Yup . Uncle Sam hits you with a tax on every penny , and some states get into the act , too . NEXT : How should my pension affect my retirement planning ?	[ "pay tax", "pension payouts" ]
http://money.cnn.com/retirement/guide/retirementliving_socialsecurity.moneymag/index3.htm	Ultimate guide to retirement If my spouse dies , will I still get his / her pension ? Living in retirement Basics Investing Working in retirement Social Security and pensions What ' s the best age to start collecting Social Security ? If my spouse dies , do I still get his / her Social Security ? If my spouse dies , will I still get his / her pension ? Health care Home equity Relocating Maybe . It depends on whether your spouse chose a monthly payout based solely on his / her life expectancy , or a monthly payout that continues through your life - that is , the " joint and survivor " benefit option . If you are n ' t sure what your spouse chose , get in touch with the company providing the pension As you might expect , with the " joint and survivor " option , the size of the monthly payout is smaller because the chances that one of you will live a long time are greater . Additionally , many plans offer different payout options : you may choose a setup that pays 100 % to the surviving spouse , 75 % , 50 % , etc . The higher the promised payout to the surviving spouse , the lower the monthly payment will be . Once the payout decision is made , it typically ca n ' t be changed . So if your spouse has n ' t retired yet , your best bet is usually to make sure he or she chooses " joint and survivor " - or you may be in serious financial jeopardy if your spouse dies before you do . Alternatively , choose the bigger payment pegged to the retiree ' s lifespan , and invest the difference to build a bigger nest egg for you . If your spouse dies shortly after retiring , however , you '	[ "retirement", "\" joint and survivor \" benefit option", "pension ." ]
http://money.federaltimes.com/tag/c-fund/	Moving TSP funds 0 By Mike Miles on July 25 2014 TSP contribution Q I plan to retire under FERS in December 2020 at age 66 All my investment is in the G Fund 350000 as are my allocations at 100 percent I was advised to move 60 percent to the C fund and 40 percent to the F fund ASAP with the same allocations I consider this a risky and aggressive move considering my situation the economy and that the SP is overdue for at least a 20 percent correction by the end of this year What do the experts advise Risk efficiency 0 By Mike Miles on February 12 2014 Uncategorized Q I saw you use the term risk efficiency in a recent response and it made me curious I have a nice little amount in the Thrift Savings Plan now I dont think I will be needing it in the future except to hand down to future heirs and so have tried to maintain a 70 percent stocks 35 percent C 15 percent S and 20 percent I 15 percent F 15 percent G ratio I read in a financial magazine sometime around 2009 that a 7030 ratio of stocks to bonds andor cash reduced the risk considerably over a TSP allocation 0 By Mike Miles on February 10 2014 Uncategorized Q I have 14 years of federal service and have always been in the C Fund 100 percent currently with 230000 For the past few years Ive contributed at 15 percent I was not very attentive to my Thrift Savings Plan and after 2008 was leery of moving after the big losses and getting into L2030 In 2013 the C Fund was amazing but 2014 has been way down so far How do I know the right time to transfer the whole thing to an L Fund and is that the right thing I will probably retire by 2035 A Mortgage and C Fund 0 By Mike Miles on January 29 2014 Uncategorized Q I retired Jan 31 2013 I have more than four years left on my mortgage I owe about 25000 on my loan I was thinking of taking a lump sum from my Thrift Savings Plan for about 20000 and use my tax refund to make up the difference I would owe I have about 120000 in my TSP Ive had it in the C Fund which is doing very well Do you think its a good idea to take a lumpsum withdrawal to pay off my mortgage It would save me 900 per month which is what Im paying G Fund 0 By Mike Miles on January 27 2014 Uncategorized Q In your recent column 4 keys to TSP success you mentioned regarding asset allocation to diversify your holdings among cash stocks and bonds to hedge the risk lower I agree with this approach wholeheartedly but ask where in the TSP to keep cash There is no money market option just the L funds which I dont use preferring to personally allocate my investments and the G F C S and I funds By the way I took everything out of the G Fund and ceased all future allocations to it when there was a proposal by our leaders last Moving balances between TSP funds to avoid market downturns 0 By Mike Miles on January 22 2014 Uncategorized Q Does the Thrift Savings Plan allow one to shift all of his C Fund balance to the F Fund to wait out an expected downturn in the SP 500 I know one generally should not try to guess the market but if one could stay ahead of downturns and upturns in theory would it be more profitable over the long term 10 to 20 years to shift out of C to F temporarily rather than suffering through market downturns as in 200102 and 2008 I guess its like selling high and buying back in low assuming ones timing was TSP withdrawals and investments 0 By Mike Miles on January 22 2014 Uncategorized Q I am a civilian FERS employee who will retire this summer at age 59 with 35 years of civil service After retiring I intend to start monthly withdrawals from my Thrift Savings Plan account 2000 per month Even though I will have begun making monthly withdrawals from my TSP account can the remainder of my money in the TSP continue to be invested in the various funds G C F S I and continue to grow via earnings within these funds A Yes Diversifying from G Fund 0 By Mike Miles on December 30 2013 Uncategorized Q A sad tale I am 64 and still working for the Defense Department For most of my career I have left my money in the G Fund except for some short periods where some of it was in the C Fund I now have 430000 in the G Fund but just cant find it in myself to diversify although I see that I have lost a lot of money over the years this way Can you recommend a relatively safe future strategy that wont keep me awake at night A Find a trustworthy and affordable adviser to help you TSP allocation 0 By Mike Miles on December 2 2013 Uncategorized Q I have reverted back to a more conservative Thrift Savings Plan allocation 67 percent G Fund33 percent C Fund I put in the maximum including the maximum catchup and with match its nearly 30000 per year My balance at 60 when I retire in five years should be between 500000 and 600000 depending on the return I am estimating a 4 percent return I am wondering about keeping this asset allocation and taking monthly payments starting near 4 percent or slightly higher at age 60 Is a distribution with 7030 as indicated above a bad idea I like the TSP allocation 0 By Mike Miles on November 18 2013 Uncategorized Q Im 32 years old have been contributing to the Thrift Savings Plan since 2005 I have 40 percent in my C Fund 30 percent in S and 30 percent in I Is this a good contribution allocation I want to be as aggressive as possible but I am also looking at moving most of my gains to the G Fund due to the fact the market may be headed in the same direction as 2009 If I want to protect my gains with the means of buying back at a lower price what would be your recommendation be on	[ "Moving TSP funds" ]
http://money.howstuffworks.com/business-communications/how-press-releases-work4.htm	HowStuffWorks Money Business Business Communications How Press Releases Work Positive Press Releases Prev NEXT Reporters rely on press releases for story ideas and company background information . Tom Shaw / ALLSPORT / Getty Images The goal of writing and issuing a press release is to garner positive press about your company or client . All press releases are inherently biased [ source : WebWire ] . So all press releases , even if written in the middle of a PR crisis , are " positive " press releases , since they aim to put a positive spin on even the worst news . Good press releases walk a fine line between excessive self - promotion and dry facts . Press release writers need to channel their inner journalist . No exclamation points in headlines , no overblown adjectives , easy on the marketing slogans [ source : WebWire ] . Even a blatantly positive press release still needs to read like a news story . For example , positive press releases can announce the opening of a new movie , introduction of a new product such as the iPhone , availability of a new hospital service or program . The U.S. Department of State issues press releases to remind journalists of diplomatic successes in the Iraqi area . Titled " Five Iraqi Orchestras Unite for U.S. Embassy - Sponsored National Unity Performing and Visual Arts Academy , " this press release focuses not on the war but how music unites members of the country ' s warring ethnic groups . [ source : U.S. Department of State ] . One way to ensure that your press release reads like a news story is to take a balanced approach to your topic [ source : ] . Do n ' t just talk about your specific company , event , product or announcement , but put it all in perspective . Include facts about the industry in general , recent buying trends and expert third - party reports . Successful PR depends on relationships . A journalist is much more likely to consider a positive press release if the PR professional has invested significant time to build a relationship of mutual trust . One way for the PR professional to establish such a relationship is to always make himself available to the journalist as an honest source of information about the company or client . If the PR representative has helped the journalist in the past by commenting on a controversial issue - - or getting his client to comment - - the journalist is more likely to do More and more journalists are searching online press release resources like PRWeb and PRWire to get content related to their beat [ source : About . com ] . To capitalize on this phenomenon , make sure your press release contains keywords that will land your release at the top of the search results [ source : Business Know - how ] . On the next page , we ' ll talk about defensive press releases . Using Photos Compelling images and informative graphics play an important role in both print and TV journalism . Press releases are no different . A lukewarm press release with an unforgettable photo could land a story on the front page . A press release should supply journalists with all the necessary components to write a good story . That package includes photos and graphics . Not all photos are created equal . A generic photo is as uninspiring as generic press release copy , so avoid executive headshots and stock photos . Photos should tell the story as clearly and as artfully as the text . 1 4 5 6 7 NEXT	[ "Positive Press Releases", "WebWire", "Quality Press Release Distribution" ]
http://money.howstuffworks.com/business/professional-development/continuing-education1.htm	HowStuffWorks Money Business Professional Development How Continuing Education Works by Jennifer Sellers Why is Continuing Education Important ? Prev Up Next We ' ve all heard that time is money . This oft - quoted saying can also apply to your education . The more time you put into pursuing additional education , the more money you ' re likely to make . Census surveys show that those with college degrees make around $ 45,400 a year while people with only high school diplomas make about $ 25,900 annually [ source : U.S. Census Bureau ] . Pursuing a degree can pay off . But what if you already have one ? In any career , you want to make yourself as highly valued as possible . Continuing education can allow you to add new skills to your resume - - making you more desirable to potential employers or just your current one . In a tough job market , in particular , increased levels of expertise can help you stand out among other job - seekers . And should you want or need to change careers , additional education is almost always necessary . Just be aware that continuing your education may add to your financial burden in the short term . If economic times are hard or your current employment status is precarious , carefully weigh the pros and cons of continuing education before making any sizable financial investment in it . Perhaps your desire to continue your education is n ' t motivated by money or professional ambitions . Maybe you want to pick up a new pastime or hone an existing hobby . Or , possibly , you ' re seeking to satisfy your intellectual curiosity or meet a personal goal . A 95 - year - old Kansas woman graduated from college along with her granddaughter in an effort to complete an education she began more than 30 years prior [ source : ABC News ] . She went on to receive a master ' s degree at the age of 98 [ source : Huffington Post ] . Movie director Steven Spielberg was certainly well along in his career when he received his degree in 2002 [ source : The Telegraph ] . The film icon had three Academy Awards under his belt when he decided to complete his education . These two scholars , and millions more across the country , prove that the motivations and rewards of continuing education are as varied as the people who pursue it . Keep reading for lots more information on continuing education . Paying for Continuing Education There are several possible ways to finance your continued learning : Submit a FAFSA to see if you qualify for federal student aid such as a Pell grant or Stafford loan . Check with your college ' s financial aid department to see if any scholarships are available to nontraditional students . Find out if your employer reimburses continuing education costs . Many do . If you ' ve been laid off , you may be able to collect unemployment benefits and severance payments at the same time if you ' re taking educational classes . Guidelines vary per state . Inquire with your local college to see if they offer free tuition to senior citizens . How College Financial Aid Works How Continuing Education Classes Work How Online Degrees Work What ' s the difference between financial aid and a grant ? Sources FinAid . " Financial Aid for Older and Nontraditional Students . " ( Aug . 26 , 2010 ) http : / / www . finaid . org / otheraid / nontraditional . phtml Hiscock , John . " Spielberg : why I went back to college . " The Telegraph . July 1 , 2002 . ( Aug . 26 , 2010 ) http : / / www . telegraph . co . uk / culture / film / 3579578 / Spielberg - why - I - went - back - to - college . html Huffington Post . " Nola Ochs , 98 Years Old , To Get Master ' s Degree . " May 11 , 2010 . ( Aug . 26 , 2010 ) http : / / www . huffingtonpost . com / 2010 / 05 / 12 / nola - ochs - 98 - years - old - to_n_573670 . html Lifestyler . " Is Going Back to School During the Recession a Good Idea ? " Jan . 14 , 2009 . ( Aug . 26 , 2010 ) http : / / www . lifestylermag . com / features / is - going - back - to - school - in - the - recession - a - good - idea Milner , Jacob . " Should You Go Back to School During a Recession ? " Monster . com ( Aug . 26 , 2010 ) http : / / career - advice . monster . com / career - development / education - training / back - to - school - during - recession / article . aspx National Center for Education Statistics , U.S. Department of Education . " Fast Facts . " ( Aug . 26 , 2010 ) http : / / nces . ed . gov / fastfacts / display . asp ? id = 89 National Center for Education Statistics , U.S. Department of Education . " Special Analysis 2002 : Nontraditional Undergraduates . " ( Aug . 26 , 2010 ) http : / / nces . ed . gov / programs / coe / 2002 / analyses / nontraditional / index . asp U.S. Census Bureau . " One In Four U.S. Residents Attends School . " Jan . 19 , 2005 . ( Aug . 26 , 2010 ) http : / / factfinder . census . gov / jsp / saff / SAFFInfo . jsp ? _pageId = tp5_education 1 2 UP NEXT	[ "Education Works", "Continuing" ]
http://money.howstuffworks.com/business/professional-development/cost-of-living-raises1.htm	HowStuffWorks Money Business Professional Development How Cost of Living Raises Work Average Cost - of - Living Raise Prev NEXT The level of inflation has varied widely and so have cost of living raises . Regular Social Security cost - of - living adjustments ( COLAs ) began in 1975 when inflation was running high . The first COLA was 8 percent . The raise reached a high of 14.3 percent in 1980 . During the 1990s , lower inflation led to more modest increases , which averaged 2 to 3 percent a year . While inflation has never returned to 1970s levels , a spike in energy prices in 2008 meant a 5.8 percent increase that year [ source Social Security Online / Historical ] . So what happens when there ' s no inflation ? What if the CPI actually drops , a trend known as deflation ? Most cost - of - living raises only go one way . There is no pay cut in the case of deflation . The recession did reduce inflation to zero in 2009 - - in fact the CPI went down slightly over 2008 . That made 2009 the first year when Social Security recipients received no COLA [ source : Practical Money Skills ] . In the private sector , contracts with cost - of - living raises have been disappearing over the past several decades . The reasons include the low level of annual inflation , the waning power of unions , and employees ' focus on other benefits , like health insurance . The pay raises companies offer today are more likely to depend on productivity and profitability than on the level of inflation . Employers want to avoid automatic pay increases . They would rather give a one - time bonus to counteract a year of higher inflation than be stuck with permanent increases . Public workers are more likely to be covered by cost - of - living raises . Some state laws require cost - of - living raises as part of state employee contracts . This has led to more - rapid wage increases for public workers than for employees of private companies . From 1998 to 2008 public wages grew almost 29 percent ; private wages increased only 19 percent [ source : Gillespie In the next section , you ' ll read about how frequently cost of living raises tend to be given . New Index Needed ? No index can measure inflation with absolute accuracy . In addition to the CPI - W , the Bureau of Labor Statistics has developed two alternative indices . CPI - U is based on a wider sample of more urban citizens , including retirees . CPI - E tracks the purchases of those over the age of 62 . Some have argued that these indices would offer a better way to set cost of living raises , but so far the CPI - W is the standard [ source : Penner 1 2 3 NEXT	[ "Cost of Living Raises", "level of inflation", "cost-of-living adjustments" ]
http://money.howstuffworks.com/how-to-become-electrician.htm	HowStuffWorks Money Jobs Careers How to Become an Electrician by HowStuffWorks . com Contributors Up Next Like many professionals , electricians fall into two categories : generalists and specialists . The latter category includes commercial , industrial and maintenance . Regardless of the category , electricians must be able to perform electrical repairs and maintenance in both business and residential buildings . Electricians are trained to work on building assessment , connectivity , heating and security systems [ source : ulinks ] . Becoming an electrician entails entering a certified apprenticeship program . But before you do that you need to meet the following minimum prerequisites : You are at least 18 years old . You have a high school diploma or General Equivalency Diploma . You learned one year of high school algebra . You are in excellent physical shape . You do n ' t take drugs [ source : become - an - electrician ] . Here ' s how to become an electrician : Decide what kind of electrician you want to be ( generalist or specialist ) . Join an electrician apprenticeship program sponsored by the International Brotherhood of Electrical Workers ( IBEW ) , National Electrical Contractors Association ( NECA ) or Independent Electrical Contractors ( IEC ) . These programs include both classroom courses and on - the - job training , and take about 4 years to complete . Earn a certificate in a technical vocational school or training academy . If you go this route , you will learn the classroom theory in the vocational school , and will then have to look for an apprenticeship to develop the on - the - job skills . Continue your education . Electricians must keep up - to - date with the latest developments in technology , National Electrical Code changes and , if you ' re a specialist , the latest developments in your field . Get licensed . Some state and local governments require electricians to be licensed . In addition , if you plan to be an independent contractor , you may need an additional license . Train to be a supervisor or manger . As you advance in your career you may want to be a supervisor or manager , or even start your own business [ source : bls	[ "Electrician", "certified apprenticeship program", "commercial" ]
http://money.howstuffworks.com/personal-finance/auto-insurance/5-unusual-things-that-raise-your-car-insurance-rates.htm	HowStuffWorks Money Personal Finance Auto Insurance 5 Unusual Things that Raise Your Car Insurance Rates by Melanie Radzicki McManus NEXT Start the Countdown Something as natural as growing older can cause your insurance rates to rise . See more car safety pictures © iStockphoto . com / KLH49 If life were a boxing match , a car accident would be a one - two punch . The collision , of course , is the first part . Once you ' ve made sure everyone ' s OK and taken care of all of the insurance details , you probably just want to put it all behind you . And that ' s when the second blow hits you : In addition to being on the hook for the necessary vehicle repairs , your car insurance premium is now going to rise . Most consumers are aware that certain things will cause their auto insurance rates to take a hike - - causing an accident , getting a speeding ticket or two , and adding a young , male driver to the household are just a few of the more obvious examples . But there are times when opening your insurance bill and seeing a new , higher premium staring back may surprise you . You drive cautiously , have never been in even a minor fender - bender and have no teens at home . What gives ? There are actually quite a lot of reasons why your car insurance rates may rise . But your agent may have neglected to inform you of these reasons when you first signed up , or you may have forgotten them over the years . The next few pages discuss five not - so - common reasons for rate hikes , and what you can do to prevent them . If , unfortunately , they ' re unavoidable , at least you ' ll know they ' re coming . NEXT	[ "Auto Insurance" ]

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