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Fine lines, vivid colours and high-speed printing
Count on blistering productivity with the iPF815. Designed for CAD & GIS applications in both print for pay and large corporate environments, this 44" printer delivers exceptional line reproduction, vivid colours, high image consistency and features "hot swap" high capacity ink tanks.
Outstanding quality and accuracy
Canon's 5-clour dye-and-pigment reactive pigment ink system produces vivid colours and the sharpest, thinnest lines, and with a range accuracy of +/- 0.1% as well as a minimum line width of 0.02mm, precision is guaranteed - images rendered at 2,400 x 1200 dpi for maximum impact, thanks to super-fine print heads using 15,360 nozzles.
Economical and efficient
A built in accounting function allows accurate tracking of the cost per print and the overall cost of your printer and enables you to view the data through the printer driver, or export it to a CSV file for use in your own files or systems. To keep costs low, an Economy mode can be selected which uses less ink, ideal when printing draft documents.
For demanding CAD workflows
The iPF815 is designed to integrate seamlessly and work perfectly with the most demanding CAD workflows. Large files are processed efficiently with enhanced HP-GL/2 support. HP-RTL format is also supported and an HDI driver for Windows is included.


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It's been quite a while since I blogged. The absence was not intentional. Two weeks of travel, the death of one of my dearest friends, and severe bronchitis have brought my daily life to a screeching halt. But in the midst of so much stress, there have been some wonderful moments. None as wonderful as this:
I spent the weekend after Labor Day in Washington, DC at the US Conference on AIDS. There was a lot of focus on long-term survivors, as well as how to serve the unique needs of those aging with HIV. As usual, it was an intense 3-½ days, which this year included a book signing in the A&U Magazine booth for the book I'd first started working on at that conference in 2015 (Fag Hags, Divas and Moms: The Legacy of Straight Women in the AIDS Community).
My mind was a little – more than a little – foggy as I waited for my Metro train to Union Station so I could go up to NYC for a few days. I set my backpack on the platform next to my suitcase. It wasn't until I made that connection and was about to get off at Union Station that I realized I'd left the backpack behind.
Panic does not fully describe how I felt. The backpack contained my netbook, financial records, my spare Epipen, medication and all my charging cords. As the sympathetic station master called around to find out if anyone had turned it in, I mentally calculated what it would cost me to replace it all (trust me, you don't want to know). In all the excitement and noise in the station, I didn't realize I'd gotten a phone call. There was a voicemail: a woman had found my backpack. I called her immediately. She was no longer where I'd left it. She'd traveled on and didn't have enough money on her card to come all the way to Union Station. Could I meet her?
Of course the answer was yes, but I admit to being more than a little wary. I let my husband know what I was doing, and sent a message to myself to document my destination.
It took a bit to get there, the second to last station on the green line. But when I came down the escalator, I saw her waving my backpack to get my attention. She could not have been more gracious. I opened up the bag to do a cursory check: not that I assumed she'd taken anything, but it was possible she wasn't the first person to open it.
"There was a time," she admitted, as I handed her $40, "that I would've tried to sell everything in there. But I'm not that person anymore. And I wanted to meet you." I was confused. I knew my business cards were in the bag; that was how she'd found my phone number. "I'm HIV-positive."
I gasped: my nametag from the conference was in the backpack.
"Are you getting services? Are you okay?" I asked when I found my voice.
"One pill a day," she smiled. "I feel good."
We parted with a hug, and I got to Union Station in time to make my connection. I'd been more than annoyed when I made my reservation for the Northeast Regional: earlier trains were booked up, so I was taking a later train than was my habit. Had I left the conference earlier I may not have left my backpack on the platform. I certainly would never have met Chris.
At that 2015 conference, on the last day at the closing gospel brunch, one of the ministers said something that I've never forgotten:
"Sometimes you choose your calling and sometimes your calling chooses you."
The unexpected meeting at the Metro station reminded me once again that he was right. And that you can find grace in unexpected places.

subset: commoncrawl


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This is an article that demonstrates how to start using MB SD Connect C4 diagnostic tool with any PC with external HDD by using Vmware virtual machine.
If you are using SD Connect C4 in a non virtual mode (i.e. with Dell D630) than launching of DAS, shown in the second half of the video, is basically the same.
If you have not yet purchased the Auto Scanner Tool and wandering of which to buy, than I would advise that you by SC Connect with Dell D630 or D620, as they are faster and easier to use.
Here is briefly how to set up thee workstastion.
– connect the exterrnal hard disk to your laptop;
– connect the LAN cable to your laotop and your MB Star LAN socket;
– connect your MB Star to the car's OBDII socket, you'll hear a beep – MB Star is ready to be used;
– star your PC…
After Windows XP on your laptop is up and running, you will have to setup the VMWare software.
This software should be on the external hard disk that came with your SD Connect.
You set it uo as normal Windows software.
The setup process is straight forward.


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Sources: Wenshi Ziliao 文史资料
Fudan daxue (Shanghai, China). Lishi xi. Ziliao shi. Wushier zhong wenshi ziliao bianmu fenlei suoyin. 五十二种文史资料编目分类索引. Shanghai: Fudan daxue chubanshe, 1982.
Organized by topic, this index lists articles published in 52 different Wenshi Ziliao collections up to 1981, representing all provinces and major cities. Personal names are listed by stroke order. The collections that are indexed are listed by title at the beginning of the volume. Extremely helpful for locating specific articles which are often not even indexed in the sets in which they are published.
Li, Yongpu. Quanguo ge ji zhengxie wenshi ziliao bianmu suoyin, 1960–1990. 全国各级政协文史资料编目索引. Zhongguo jinxiandai shi shiliao jieshao yu yanjiu congshu. Beijing: Zhongguo wenshi chubanshe, 1992.
Index to articles published in over 2,300 kinds of Wenshi ziliao from the county level and above. It has five volumes: politics, military and foreign affairs; economy and culture; society and geography; people(2 vol.). Each volume is organized by subject. Each entry provides information on title, author and source.
Zhongguo renmin zhengzhi xieshang huiyi. Quanguo weiyuan hui. Wenshi ziliao yanjiu weiyuanhui. "Wenshi ziliao xuanji" bianmu fenlei suoyin: di 1 zhi 100 ji. 文史资料选集编目分类索引. Beijing: Zhongguo wenshi chubanshe, 1986.
Indexes the articles in the first 100 issues of the "quanguo" (all provinces of China) Wenshi Ziliao collection. Organized broadly by topic and subsequently in chronological order. Personal names are listed separately by stroke order. The three number reference, such as, 2-55-1, indicates the issue number-the page number-bound volume number.
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We're excited you want to join our team and unite to feed the hungry. If you think you would make a good fit with our organization, take a look at our job openings below.
Positions Available
Part Time - Van Driver
God's Storehouse, a non-profit food pantry serving Danville and Pittsylvania County, has an opening for a Part-time Van Driver.
Responsible for pick-up and delivery of donated products from area grocery stores and organizations, and assisting warehouse volunteers & staff as needed. Loads and unloads donated product, records poundage of food donations, assists in processing and storing of donated product.
Skills: Warehouse experience; ability to operate large and small trucks & vans, operate forklift and pallet jacks; must be able to push, pull and lift at least 60 pounds, ability to interact with a diverse mix of individuals; attention to detail
Requirements: High School Diploma or GED, 3-5 years of warehouse experience desired. Must have a valid VA driver's license and safe driving record. 20 hour per week, primarily mornings.
Submit resume, references and cover letter to:
God's Storehouse, ATTN: Personnel Committee, P.O. Box 48, Danville, VA 24543.
Deadline 5pm Sept 30th.
An Equal Opportunity Employer


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Mr. Junaidi, M. A.
Expert Member of UI GreenMetric
Junaidi is an expert member of UI GreenMetric World University Rankings, and Lecturer in Linguistics and Cultural Studies at English Department, Faculty of Humanities, Universitas Indonesia. He holds degrees from English Department, Universitas Indonesia (Sarjana Sastra/BA in English language and Literature); and Warwick University, UK (M.A in British Cultural Studies, with Distinction). As a Chevening scholar, he has academic interests in the area of British Studies, international higher education, network society, popular culture, and cultural identity. He teaches and supervises undergraduate and post-graduate students in British Studies, Cultural Studies, and Discourse Analysis at the Faculty of Humanities, Universitas Indonesia.
He has been actively involved in the internationalization of Universitas Indonesia from 2004 to 2015 with different university positions. He is UI 2011-2015 Head of International Office and Chairperson of ASEAN University Network- ASEAN Credit Transfer System (AUN-ACTS). With his extensive experience in internationalization of Universitas Indonesia, he is invited as one of the resource persons for internationalization of Indonesian universities at Ministry of Research and Higher Education, Republic of Indonesia. In this capacity he has travelled extensively to many Indonesian universities nationwide to promote internationalization of universities. Since 2015 he is an expert member of UI GreenMetric World University Ranking.


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|Tue 9 Jul 2019, 7:00pm–7:45pm
|Wed 10 Jul 2019, 7:00pm–7:45pm
|Thu 11 Jul 2019, 7:00pm–7:45pm
|Fri 12 Jul 2019, 7:00pm–7:45pm
|Sat 13 Jul 2019, 7:00pm–7:45pm
Eventfinda tickets no longer on sale
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Better prepare yourself for the big day! Learn the interview process and become familiar with popular websites that provide supporting information.
This class is part of the Job Seekers course track that is a prerequisite to the Job Seekers Workshop.
Recommended Audience: Adult
|Mon, Jun 29
|Tue, Jun 30
|Wed, Jul 01
|Thu, Jul 02
|Fri, Jul 03
|Sat, Jul 04
|Sun, Jul 05
LYNX Bus Link 107 South US 441 (South Orange Blossom Trail) / Kissimmee
LYNX Bus Link 8 W. Oak Ridge Rd. / International Dr.
LYNX Bus Link 40 Americana Blvd. / Universal Orlando
Located in the Orange Blossom Center, the South Trail Branch is an open, bright branch with lots of sunshine. The branch is located in a commercial center, adjacent to numerous multi-family housing units and is a popular spot for children and families.
The history of South Trail branch spans almost four decades. It began as the Ft. Gatlin branch at 105 Gatlin Avenue in 1965. The branch moved to the corner of Holden Avenue and South Orange Blossom Trail in 1981. The move across the street to the current site in the Orange Blossom Center took place in 1996.


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Sean Hawes
2606 Spenard Rd
Golden, CO 80403
Job Objective Seeking to obtain a Security Agent position with an organization where I can utilize my skills and be an asset to the employer.
Work Experience:
Security Agent, May 2004 – Present
Hard Rock San Diego, Golden, CO
- Created safe and secure environment for guests and colleagues by maintaining professional presence in hotel lobby.
- Assisted Fire Safety Director and conducted related responsibilities such as floor patrols during tour of duty.
- Enforced all hotel and security rules and regulations.
- Assisted guests and colleagues on all security and safety related enquiries.
- Maintained a high degree of professionalism at all times.
- Troubleshot all Time-lox locks and room safes.
Security Agent, March 2002– April 2004
HSS, Inc., Golden, CO
- Supervised end of gaming day drop and counting of tokes.
- Prepared security reports and ensured accuracy and completion in a timely manner.
- Demonstrated and followed emergency procedures of Security Department.
- Assisted maintenance department in an emergency condition.
- Escorted individuals with admitted gaming issue to the dockside Agent.
- Responded to medical emergencies and completed illness and injury reports.
Summary of Qualifications:
- Experience in Security & Fire industry , Field Service Management and Office Service Management
- Ability to deliver quality security service to external and internal guests
- Outstanding ability to properly use equipment such as radios, handcuffs, cameras and ID scanners
- Profoundly able to write routine reports and correspondence
- Excellent written and verbal communication skills
- Proficient in MS Office (excel, word, power point), and basic Windows environment
- Ability to read, comprehend and interpret written and oral instructions
- Excellent ability to communicate with internal and external guests
- Strong ability to stand, sit, walk, reach, handle, feel, balance, stoop, kneel, turn and twist for prolonged periods of time
- Strong depth perception and peripheral vision and ability to see near, far and in color and to lift, carry, and push more than 50 lbs
Associates degree in Criminal Investigations, Montcalm Community College, Sidney, MI
Create your own professional looking resume for free using our resume builder!


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Introduction: Sugru Torch Grip
Have you always been frustrated that your torch runs away when you put it down on its side? Find it hard to keep hold of it when you go out on long excursions where it's useful?
So did I, which is why when I received a pack of Sugru I went straight to work modding my Maglite.
Step 1: Ingredients
This is a relatively simple project and as such does not require much.
You will Need:
1) A Torch
2) Some Sugru
3) Water and a Tissue
4) Scissors
Optionally you will want:
1) Some Gloves
Step 2: Preparation
If you are using gloves, you will need to crack these out first.
Whilst you can work Sugru without them it makes life a lot easier, your fingers smell less and stops it from staining your skin when you first get it out of the packet as it starts off very gooey.
Then you will want to open your sugru with the pair of scissors and remove it.
For my 3D Maglite I used 2x 5g packs and then I rolled them around until the
it stopped sticking to the gloves. Once you're at this stage clean the torch surface.
Now you're ready to start making things with it.....
Step 3: Moulding
Now the Sugru is ready for moulding to a surface we can begin attaching it to the
torch body.
First you will want to mould your Sugru into a cylinder approximately the width of your
hand and set it aside.
Then you want to grasp your torch in a comfortable grip that you would usually use to hold it
and when you're happy that this is where you want to add your rubberised grip then open your
fingers to recieve the Sugru. Now all you need to do is squeeze and you will get a relatively
accurate finger grip for your torch.
Step 4: Finishing
The end result should be a nice finger shaped grip on the side of your torch.
You may need to spend some time smoothing out any dimples or lines made
by folds in your gloves but now all you need to is leave it to set.
Be the First to Share
3 Discussions
this is very interesting but it could be ab it better and you could put something round the top
Not bad, I like the marbled blue and black.
Nice job hiddenpower, looks like it turned out very nice.


text: And now for some real fun! Via Mental Floss, we get the Wikipedia entry on toilet-related injury. Come on, at least we didn't post about bronze Suri poop. Well, not before that. ANYWAY, the entry once and for all states that both George II of Great Britain and producer Don Simpson absolutely died on the toilet. Well, absolutely in the Wikipedia sense. Meaning that they probably died whilst on the toilet. Which has nothing to do with the section on possible toilet-located deaths. Which we'll have to downgrade to possibly possible toilet-located deaths. The thing is, people, it's funny because they died on the toilet. Get it? Toilet = funny. That's the point we've been trying to make all along. Jesus.


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May 25, 2017
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A 1968 exhibit of an armored helicopter celebrated the Vietnam War until protestors shut it down.
July 7, 2020
The "land of the free" is not so free: A poetic meditation on the 4th.
July 3, 2020
Three trends seem likely to continue beyond the pandemic.
June 29, 2020
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| EXHIBIT | Trailer
EXHIBIT is an upcoming full-length out of central Florida from Kevin Perez Featuring: Chris Blake, Caleb Hook, Jesse Turley, Cesar Fernandez, Willie Wilson, Lam Le, Manuel Claudio, Mike Wine, Rob Wootton, and Ben Eubank. EXHIBIT premieres Saturday, August 1st at Spacebar in Orlando…for now enjoy the trailer below.
"The Keepers" Trailer
The trailer for John Marello's upcoming video The Keepers is amazing. Featuring central Florida's Chris Blake, Dalton Dern, Rob Wootton, Chad Poore, and many more. Keep an eye out for the full video coming this summer.
Cosmic Vomit 2 Trailer
Here is the trailer for Cosmic Vomit 2, which is coming your way December 20th, 2012. Just one day before the new Creature video and the impending Armageddon. Cosmic Vomit 2 is a skateboarding film documented on VX1000 and VHS cameras featuring the skating of Johan Stuckey, Bert Wootton, Blake Carpenter, Jesse Alba, Nolan Benfield and Bryce Mandel as well as Justin Fuller, Jack Moran and Andrew Considine.
Insta-Ramp is a portable halfpipe out of Jacksonville Beach, Florida. Insta-Ramp is used at various skateboarding/ art/ music events across the state. On Saturday, July 21st the Insta-Ramp will be at The Bricks and SPoT Skate Shop Ybor Two Year Anniversary and ready for shredding! Don't miss it…and next time you need a ramp for an event, give Insta-Ramp a shout.
Here are a few photos of the Insta-Ramp getting shredded in a north Florida backyard sesh.
All Photos © James Grosser
Click on image to view large


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Last August 21, 2008, I started this blog with a post about the Mattel Rebelde male dolls. One year later, it seems fitting to have this post about the Rebelde guys and show them with two of their local fans.
Goals for my blog this year include:
- Include projects
- Improve photography
- Increase readers
- Provide more news
I have enjoyed writing here and receiving responses from other collectors. The sharing and dialogue enhance my enjoyment of the hobby.
Thanks for your time and efforts.


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College life is the most exciting part of schooling. Aside from the new things that you will learn, you will also have the chance to meet different personalities. Usually college students like you find attractive opponent partner and want to ask them out. The problems arise when you know that you have a tight budget because there are many expenses in college. Do not worry about it because these tips will help you to have a great time with your special someone without spending too much money.
Special Dinner at Home
Going out and eat to different restaurant is common in a college date. As a student who has a tight budget, do not worry because little effort and sincerity will save the day. Just always remember to know his / her favorite dishes. You can ask your mother to help you or someone you know. Aside from that, internet is open to help you to find the procedures in cooking it. The most important thing here is you put some effort to show that she / he plays an important role in your heart and wants her / his meet your family.
Picnic at the Park
There is no question asked when you say date in a mall. Even if you want to ask her to watch movie and eat in the mall, you can not do it. Do not put pressure in your foot, just be creative and show some love. Picnic is a great place to ask him / her out. All you need to do is prepare some sandwiches and drinks. Do not forget to bring some things that you can play. This will give you opportunity to bring out undiscovered things and enjoy every second of every hour.
Date at the Beach / Lake
Like the old story goes, the view of beach and lake will give a special memory. You can bring some snacks and eat together while watching the flow of the water. Just do not forget to bring out your sweet side, remember the message in the bottle? Yes, you are right. You can bring some bottle with paper and pen. Ask her / his permission to right his / her wish and you should also do it. Before throwing it far in the sea, ask her if you can hold each other hands with close eyes and count 1,2 and 3 so ready to throw it on the far place in the sea. Something special that you can never both forget.
Visiting the Playground
Think about this, if I am your date, I want to know more information about you. The best place to start introducing yourself is visiting the playground. Do not think playground is only for kids. It is also place for starting a great relationship. You can start telling about your childhood and up to date. Do not pretend, just be you. In that way, you can build a good reputation and strong understanding together. Do not forget to buy some snacks, sandwiches and drinks that you can eat while chatting.
Date at the Cemetery
Have you ever date at the cemetery? Do not get me wrong. Admit it or not, this is the scariest place you know but do you know it is the sweetest place that you can go and the most important thing, small amount for some snacks and drinks. The idea is ask her / him permission to meet your grandparents and if he / she says yes. That is great chance for you to bring her / him to your grandparent's grave. I am sure you will see a shock face but that is another part of being sweet. Of course, do not go at the night. Afternoon is a great time; visiting cemetery can help you spend quality time together. This is a unique idea that will show your creative mind for a very special date. At first you will feel uncomfortable but do not let him / her see that your little bit afraid. Just remember that you're out in the date.
College students like you who have a tight budget will not have problems anymore, if you take note about these tips. Remember that money is not the focus here, effort and your good intention to meet her personally is what you should always think about. Just be yourself because cupid does not ask for money but a real feeling.


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*sigh* So long, Regis…
The World's Toughest Mustache is no more…Bolton Resigns
It's sad: we need a tough guy in our corner at Turtle Bay, not someone who's trying to be Frencher than the French. Remember what Steyn said in a column last year:
Twenty years ago, the then Secretary of State George Schultz used to welcome the Reagan administration's ambassadorial appointments to his office and invite each chap to identify his country on the map. The guy who'd just landed the embassy in Chad would invariably point to Chad. 'No,' Schultz would say, 'this is your country' and point to the United States.
Regis always knew the home team.
"Run Away!"
"I felt so upset to be completely misconstrued and I never, ever would have said that," says the 34-year-old Oscar winner. "I definitely did not say that I think the British are more intelligent and civilized than Americans. I am a New York girl, that's how I always think of myself and see myself."
Right. You never took an unescorted bridge, ferry or tunnel ride in your life. You said exactly what you–in your little rich bitch, privileged bubble–have believed since birth.
Condi Needs to Stand Up and Tell These Mooks to Give Us Back Our Boys
Something (surprise!) quickly swept under the MSM news rug as unimportant dust is a deadly Brazilian in-air plane crash, the worst in that country's history, between a commercial carrier and a private charter. The private plane's pilots–two New York guys–are currently under a house arrest situation, while, it seems, the local powers scrabble together a case to hang the accident around their necks… and our State Department ain't doing a damn thing to stand up for these guys.
But the facts that have dribbled out show the NY pilots should, at least, have their visas returned and allowed to come home for Christmas, and then, well, let the chips fall. They were flying a Brazil-built plane; they were operating under Brazilian rules…. It seems their only crime was "Piloting While American."
Air traffic controllers believed an executive jet was flying at a lower altitude when it collided with a commercial airliner over the Amazon, killing 154 people in the country's worst air disaster, Brazil's air force commander told a Senate committee Tuesday.
Brig. Gen. Luiz Carlos da Silva Bueno said flight controllers believed the plane was flying at 36,000 feet, although it was actually at 37,000 feet _ the same altitude at which Gol Airlines flight 1907 was flying.
Not so fast…
Transcripts suggest that air traffic controllers at another tower may have authorized the executive jet to fly at 37,000 feet, which would mean the two towers suffered a communications breakdown.
Which points the blame right at that general's ass:
The Brazilian air traffic controller who was monitoring the Legacy executive jet that collided on September 29 with a Boeing 737 killing all 154 people aboard wasn't prepared for the job and had been just rushed into the position by insistence of the military brass, against the objection of his instructor who didn't agree with the arrangement.
This new piece of information is being published today, November 23, by the newspaper O Estado de S. Paulo, which says that the Brazilian Air Force authorities' insistence in approving new flight controllers due to the serious lack of staff may have led to Brazil's worst air tragedy ever.
The controller in charge of the Legacy, which was piloted by two Americans, says the newspaper, after interviewing other flight controllers from BrasÃlia, had little hands-on experience and had received his certification earlier this year, well after his class's colleagues.
Their current incarceration should be absolutely unacceptable to anyone collecting a paycheck in the United States State Department:
Originally accused of causing the collision by flying at the wrong altitude and refusing to change their height, the two pilots were cleared earlier this month when recordings from the air traffic control tower in Sao Paolo showed that the Legacy had in fact been cleared to fly at 37,000 feet (11,300 metres) – the same height as the jetliner.
But there remain some outstanding issues, including suggestions that the Legacy turned off the aircraft's anti-collision and communications systems.
Both air traffic controllers and the pilots of the Legacy have in the past insisted that they tried to communicate with each other and were unsuccessful.
That means there is evidence that the technical/communication infrastructure installed by the Brazil military in charge of airflight control was, at least, seriously fucked up.
A lawyer for Lepore and Paladino argued that the continued holding of their passports was an infringement of the pilots' liberty.
The investigation (into the accident) will not be prejudiced if the pilots leave the country,' said attorney Jose Carlos Dias, who was hired by the Legacy's operating firm, ExcelAire.
The pilots 'are absolutely interested in being cooperative with the process of the investigation,' Dias said, adding that the US and Brazil had an extradition treaty in the event that the two US pilots should be charged with a crime.
If the Brazil invetigators wish to speak with these guys, no one in the United States–under treaty–can deny them such access, nor can a legitimate claim to have the pilots returned for possible judicial proceedings be encumbered. The plain fact to my eyes is that they want TO HANG THE AMERICANS, to allow their military–who are in charge of Brazil's sky–to duck their deserved indictment.


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Ring Pessary with Knob and Support
Silicone Ring Pessary with Knob and Support is effective in providing necessary support in stress urinary incontinence complicated by first- or second-degree uterine prolapse.
Cooper Surgical manufactures and distributes cancer detection devices for women. Products include pessaries for the non-invasive correction of uterine, bladder and rectal prolapse as well as pessaries specifically designed for the treatment of stress urinary incontinence.


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Interpretation of your dream:
I was wandering on a cruise ship and I found a secret room on the deck. Inside it, there was a beautiful but terrifying black panther. I looked at it in awe but was afraid of it so circled to the back of the room and the panther escaped out of the room and ran around the deck of the ship. The panther ended up mauling someone to death. The cruise ship security guards went searching for the guilty party who let the panther out of the room, but they did not catch me. I was able to lie my way through it and get away with everything, but I felt guilty and sad about the innocent person that died.
What is the meaning of I was wandering on a cruise sh In a dream
What does it means I was wandering on a cruise sh In a dream ? - Dream meaning
Misfortune in life and will die in misery. Unconscious. Door Changes in life. Family arguments. Approaching money. Unconscious. Jealous people are against you and there is opposition in love. The back may symbolize the unconscious, stress or pressure someone has placed on you, jealousy people have against you, or opposition in love. Seeing a naked back may symbolize secret desires that you are keeping from others or yourself. The back may symbolize the unconscious, stress or pressure someone has placed on you, jealousy people have against you, or opposition in love. Seeing a naked back may symbolize secret desires that you are keeping from others or yourself. To dream of seeing a nude back, denotes loss of power. Lending advice or money is dangerous. Sickness often attends this dream. To see a person turn and walk away from you, you may be sure envy and jealousy are working to your hurt. To dream of your own back, bodes no good to the dreamer.> Find more dreams containing 'back'
Wild beauty and grace. Enemies will fail in attempts to injure you. To see a panther and experience fright, denotes that contracts in love or business may be canceled unexpectedly, owing to adverse influences working against your honor. But killing, or over-powering it, you will experience joy and be successful in your undertakings. Your surroundings will take on fair prospects. If one menaces you by its presence, you will have disappointments in business. Other people will likely recede from their promises to you. If you hear the voice of a panther, and experience terror or fright, you will have unfavorable news, coming in the way of reducing profit or gain, and you may have social discord; no fright forebodes less evil. A panther, like the cat, seen in a dream, portends evil to the dreamer, unless he kills it.> Find more dreams containing 'panther'
Black signifies isolation and transition period. It shows up conflicts and friction with relations and friends. Black is the unconscious mind, or the death of the old, like the death of an idea or end of a job, etc. Black is the unconscious mind, or the death of the old, like the death of an idea or end of a job, etc.> Find more dreams containing 'black'
End of a cycle. Something is finally over. To dream of seeing any of your people dead, warns you of coming dissolution or sorrow. Disappointments always follow dreams of this nature. To hear of any friend or relative being dead, you will soon have bad news from some of them. Dreams relating to death or dying, unless they are due to spiritual causes, are misleading and very confusing to the novice in dream lore when he attempts to interpret them. A man who thinks intensely fills his aura with thought or subjective images active with the passions that gave them birth; by thinking and acting on other lines, he may supplant these images with others possessed of a different form and nature. In his dreams he may see these images dying, dead or their burial, and mistake them for friends or enemies. In this way he may, while asleep, see himself or a relative die, when in reality he has been warned that some good thought or deed is to be supplanted by an evil one. To illustrate: If it is a dear friend or relative whom he sees in the agony of death, he is warned against immoral or other improper thought and action, but if it is an enemy or some repulsive object dismantled in death, he may overcome his evil ways and thus give himself or friends cause for joy. Often the end or beginning of suspense or trials are foretold by dreams of this nature. They also frequently occur when the dreamer is controlled by imaginary states of evil or good. A man in that state is not himself, but is what the dominating influences make him. He may be warned of approaching conditions or his extrication from the same. In our dreams we are closer to our real self than in waking life. The hideous or pleasing incidents seen and heard about us in our dreams are all of our own making, they reflect the true state of our soul and body, and we cannot flee from them unless we drive them out of our being by the use of good thoughts and deeds, by the power of the spirit within us. See Corpse.> Find more dreams containing 'death'
Passion. Open for new experiences.> Find more dreams containing 'innocent'
Celebration. Festivity. Pleasure. Want to participate in a common activity. To dream of an unknown party of men assaulting you for your money or valuables, denotes that you will have enemies banded together against you. If you escape uninjured, you will overcome any opposition, either in business or love. To dream of attending a party of any kind for pleasure, you will find that life has much good, unless the party is an inharmonious one.> Find more dreams containing 'party'
Exploration. Looking for recognition of desires or wants.> Find more dreams containing 'searching'
Mysterious. Hidden. Ready to reveal yourself or to uncover the truth.> Find more dreams containing 'secret'
To dream that you are afraid to continue on some situation, signifies trouble in the home and failure in business. To see others afraid in your dream, signifies that some friend will be too wrapped up in his or her own problems then to help you out with some favor. To dream that you are afraid to continue on some situation, signifies trouble in the home and failure in business. To see others afraid in your dream, signifies that some friend will be too wrapped up in his or her own problems then to help you out with some favor. To feel that you are afraid to proceed with some affair, or continue a journey, denotes that you will find trouble in your household, and enterprises will be unsuccessful. To see others afraid, denotes that some friend will be deterred from performing some favor for you because of his own difficulties. For a young woman to dream that she is afraid of a dog, there will be a possibility of her doubting a true friend.> Find more dreams containing 'afraid'
To dream of being on a ship and that a storm is raging, great disasters and unfortunate alliances will overtake you; but if the sea is calm and the light distinct, your way is clear to success. For lovers, this dream augurs happiness. See Boat.> Find more dreams containing 'deck'
To dream of ships, foretells honor and unexpected elevation to ranks above your mode of life. To hear of a shipwreck is ominous of a disastrous turn in affairs. Your female friends will betray you. To lose your life in one, denotes that you will have an exceeding close call on your life or honor. To see a ship on her way through a tempestuous storm, foretells that you will be unfortunate in business transactions, and you will be perplexed to find means of hiding some intrigue from the public, as your partner in the affair will threaten you with betrayal. To see others shipwrecked, you will seek in vain to shelter some friend from disgrace and insolvency.> Find more dreams containing 'ship'
To dream you lose your way, warns you to disabuse your mind of lucky speculations, as your enterprises threaten failure unless you are painstaking in your management of affairs. See Road and Path> Find more dreams containing 'way'
Death is often the most feared of symbols for obvious reasons. But it can link to the thought off death or some eerie moment the day before that really scared you. But really death is not such a bad symbol overall. It may link to a situation that has just ended in your life or change or transition such as leaving a job. If a friend dies then it may simply mean that the friendship has been allowed to die and is now not as important. Death can also link to things that you cannot do now and limitations placed upon you. So overall look for changes and transitions in your life and your fears associated with them. Often your fears associated with this symbol are misplaced - the dream may simply mean that some very interesting TV show has just ended and you are having to fill the hole.> Find more dreams containing 'died'
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Couples Therapy
Couples therapy is a valuable resource for spouses or other partners who are experiencing distress in a significant relationship, often characterized by poor communication, feelings of dissatisfaction, and diminished trust.
Couples who participate in therapy are assisted in the process of conflict resolution with one another. In addition to offering skills for negotiating differences, couples therapy often serves to facilitate recognition of problems as opportunities, sometimes providing healing of wounds much older than the relationship.
Although reconciliation is the goal of most participants, couples therapy is also recommended for relationships that are ending, for reaching a healthy separation and the redefinition of a relationship, especially when it is necessary for the relationship to continue in a significant capacity, such as in ongoing parenting.
Couples therapy takes place between a therapist and both partners in a relationship. On occasion, it may involve the therapist meeting with each individual separately, before coming back together again. The focus is on relationship dynamics, although individual issues are spotlighted in this process.


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Micro Action Figures Stormbound Series
Build your forces with 8 collectible Halo characters in battle-ready gear!
Deploy your next wave with 8 collectible warriors in stormy gray- and blue-themed armor and gear! With UNSC, Covenant, and Banished micro action figures to collect, find one UNSC hero or alien enemy in each mystery blind pack. Each comes with its own detachable armor and battle-ready weapon. Collect them all and build your forces!
Ideal for ages 8 and up
- Blind pack with 1 random, gray- or blue-themed Halo micro action figure
- Collectible figures range from common to ultra-rare
- UNSC, Covenant, and Banished characters to collect
- Each figure is super-poseable with a highly detailed design
- Figures come with detachable armor, weapon accessory, and display brick
- Collect and combine with other Halo construction sets by Mega Construx™
- Build your Halo universe, and Build Beyond™!
- 8+
- Item #CNC84
Please login to leave a product review.
29 Reviews
This was a great series, but i wish there would have been a different covenant figure instead of the Wetwork spartan. But, if you are considering buying some of these, do so!
It was an okay series I got them all except wetwork which disappoints me
I'm quite pleased to have been able to collect all of the figures from this series, I would definitely buy more if I found any.
The series is overall great, but I wish they would put in a more massible figure instead of that Wetwork Spartan, like a Jackal or a classic-style Grunt. I don't really like how Mega tends to put tons of Spartans in their sets so I end up with a bunch of colorful dudes which don't look very great on my lore/campaign based display. But, I guess Spartans sell well and that's good for the company so that's OK.
A great series from MCX. The theme is unusual and not my color. The Grunt, Brute, ODST, and Marine are massable which everyone loves to have in a blind bag series. I like how they used some Spartans we haven't seen in a while, the Air Assualt especially because it's been so long since we've seen one. The elite honor guard is probably the crown jewel of this series. Very nostalgic to Halo 2. This is a great series by MCX can't wait for more. Overall, five stars.


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Circle K Favorites Jalapeño Kettle Chips
Buy potato chips on Amazon #ad
Taste test: These potato chips had a strong yellow color, with wiggly shapes that included lots and lots of bubbles embedded inside, plus occasional bits of skin around the edges.
Unlike some jalapeño chips, there was no green seasoning, but as soon as I grabbed my first chip out of the bag, I could feel that there was lots of seasoning on the surfaces, even if it didn't stand out by color. The taste was moderately hot and very good, with a mix of hot peppers and other spices, including a good hit of garlic and some onion. The hot peppers didn't seem to be that distinctively jalapeño, but the mix of peppers and spices was tasty. (Oddly, the ingredients didn't specifically list jalapeños or any other hot peppers. Onion Powder and Garlic Powder were included, along with the generic "Spices" that must have encompassed whatever hot peppers were used.) There was a fairy strong crunch but not a great crispness. More jalapeño and more heat would be been better, but still pretty good.
Shop: Buy potato chips on Amazon #ad
Smell test: Nice mix of spices and potato, but not really any heat.
From the package: "I'm a spicy little number!" ... "We are Favorites, Circle K's exclusive line of products."
Online store: Buy potato chips on Amazon #ad
Company: Circle K Stores, Inc.
Categories for this snack:
- Potato Chips (1971 snacks)
- Hot Chips (995 snacks)
- Jalapeno Chips (236 snacks)
This snack was discovered by Elin Flashman at Circle K. Review published .
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This mod adds several new weapons to the game. It is a stand-alone set and not a replacer for anything already in the game. I have used all of these quite a bit and have not had any issues with them. They look incredible and would be a really cool weapon addition to STEP. These are vey well done.
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So yesterday was the London Marathon which is the reason I started the Cool Impossible training. I finished but not in as good a time as I had hoped but here are my thoughts for what it's worth...
I did the same marathon in 2011 with a damaged achilles and very little training, in a time of 06:08:09. I had dosed up on paracetamol and neurofen (under my physio's advice).
This time I did it in 05:59:27, not much faster but 4 years older, at age 44.
My Cool Impossible was to run all the way which I mostly did, I think I first walked around miles 16-17. The reason I walked was pain in my hips and knees. I recognise this is partly posture/gait but didn't realise it might just be muscle tightness. Once I'd worked out it hurt less to run than to walk (or starting running again from a walk) I picked up the pace and flew the last 6 or 7 miles.
My heart rate was fairly low, zone 4-5. Much lower than last time anyway. So fitness wasn't really an issue.
Throughout the training I've had a lot of tightness in my calves, around the sides, and some in my ITB. Plus I think my core strength isn't good enough. The main thing is that I think I expected too much of my body to change its physiology drastically in 6 months.
Today my knees are incredibly sore, my feet are blistered, but there's almost no aching apart from my lower back.
But overall, I ran for 26.2 miles, my heart rate was fine, I ran faster than I did during my long runs in training and I finished!!! Plus I was overtaking people a lot younger than me at the end. The next marathon is in York in October, my body is getting there and I will be faster and I will run all the way.
Views: 227
This is amazing ! What is great is that you are taking this as a learning experience to prepare the future !
I ran my first semi-marathon 3 weeks ago and felt also the lack of core strength, especially after 15Km. Since then, I've started training again and, when I compare my training runs with what I achieved during that race, I'm amazed in retrospect ! Now I'm really focusing on strength (fitball+slant board).
Thank you for your support.
I agree Carolynn, that it is a learning experience. When I first read CI I didn't understand a lot of it. Now I understand more, a lot through experience and some from understanding it a bit at a time rather than trying to understand all at once. It's great that you can look back and see how much you achieved in your race. I find it a great motivator to look for what I can improve and work on that. Keep it up!
Thanks Robert. You're absolutely right, most people can't comprehend running 26 miles. To be honest I struggled at mile 16! I am a runner, I love the training runs, the distance runs less so while I'm so slow but it wasn't meant to be easy and I expected miracles! Now I'm focusing on my weaknesses and getting stronger overall.


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Log in
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Quality Assurance Tester
We are seeking a QA Tester, who is looking to develop their career in testing and software, to join our team.
You will be responsible for ensuring that each developed piece of software is fully functional, fit for purpose and in-keeping with the high standards of the business. You will achieve this through consultation with designers and developers, thorough examination of documentation and specifications, and meticulous examination of the developed software.
urLive is an equal opportunity employer.
• System and regression testing for all software development
• Working closely with developers to ensure that faults are resolved quickly and documented appropriately
• Creating automated tests using leading industry frameworks (such as Selenium)
• Leading priority and severity triage for identified bugs
Qualifications and Skills
• Experience as a software developer or tester
• Ability to work under pressure and to tight deadlines to meet deployment schedules
• Excellent attention to detail and analytical skills. The ability to articulate scenarios which cause software defects both verbally and in written communication
• Experience creating and maintaining automated tests
• Confidence to engage with members of the production team, the wider business teams and users proactively and effectively
You are also:
- A self-starter who likes to innovate
- Passionate about simplicity
- A teammate who loves to collaborate
- Positive and able to adapt quickly to change
Send your cover letter, resume, and portfolio to
Apply Now
Once URL.Live Software Inc. receives your application, your information will be used only for the purpose of employment. Your information will only be viewed by our management team and stored securely. We will not share any information you provide including your email address with any third parties.


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Home Renovations Cape Town
BVC Group is a home renovations, home maintenance and home construction company in Cape Town specializing in kitchen renovations, bathroom renovations, new home construction and general home renovations. We pride ourselves on top quality workmanship, resulting in turning your home dreams into reality.
Home Maintenance Cape Town
BVC Group is a home maintenance Cape Town specialist. Call us for any home maintenance that you require. As you may know, home maintenance is a vital service to have in order to keep your property at a high value. Therefore we repair and maintain any aspect of your home that you can think of.
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Our Home Services
Who We Are
About Home Renovations & Maintenance - BVC Group
BVC Group is a home renovations Cape Town, home maintenance Cape Town and home construction Cape Town Company specializing in the residential sector and construction project management. We operate in the suburb of Table View, thus serving the greater Cape Town and CBD area.
Our mission is to always finish the best grade quality projects, on time and within the specified budget. As a result, at BVC Group we strive to be straight-forward, open and approachable in all relationships and with all team members. Honesty and openness create trust.
The Blog


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Washington University's Olin Business School is a place where you'll discover and develop your talents. Learn through challenging academics and real-world experiences. Collaborate closely and push yourself to achieve more.
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Call us at 866-933-9400
Your special day deserves a special setting. Our elegant, spacious facility adapts beautifully for events ranging from intimate gatherings to black-tie galas. Seat up to 200 guests in our grand dining room. Go casual or elegant in our outdoor courtyard. Tuck into a private nook at our bar lounge. And accomodate your guests in comfort at our onsite 66-room hotel with concierge service.
Our professional event-planning team and gourmet chef will help you with all the details, ranging from:
Call us to learn how the Knight Center can make your event perfect in every way.


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19 Best Ways to Earn Lots of Singapore Airlines KrisFlyer Miles
Full Disclosure: We may receive financial compensation when you click on links and are approved for credit card products from our advertising partners. Opinions and product recommendations on this site are ours alone, and have not been influenced, reviewed or approved by the issuer. See our Advertiser Disclosure for more details. We appreciate your support!
While Singapore Airlines might not be the first airline you think of when earning miles and points, maybe it should be with its loyalty program, KrisFlyer. Singapore Airlines partners with all 4 transferable points programs (American Express, Chase, Citi, Marriott Bonvoy) so earning KrisFlyer miles is a breeze.
Beyond credit cards, there are plenty of other ways to earn KrisFlyer miles fast to help you top off your account. Here are some of the fastest ways to earn KrisFlyer miles so you can get busy booking your next award flight.
Table of contents
- Earn KrisFlyer Miles With Credit Cards
- Singapore Airlines KrisFlyer
- Sign Up for the KrisFlyer Loyalty Program
- Fly Singapore Airlines
- Earn Miles With Star Alliance Partner Airlines
- Earn Miles With JetBlue Flights
- Book Car Rentals
- Stock Up on KrisFlyer Miles With Participating Hotel Partners
- Hotel Credit Cards
- KrisFlyer Special Promotions
- Hotel Booking Companies
- Convert Hotel Loyalty Points to KrisFlyer Miles
- Special Programs
- Singapore Airlines Dining and Shopping Partners
- Final Thoughts
Table of Contents
- Earn KrisFlyer Miles With Credit Cards
- Singapore Airlines KrisFlyer
- 6. Sign Up for the KrisFlyer Loyalty Program
- 7. Fly Singapore Airlines
- 8. Earn Miles With Star Alliance Partner Airlines
- 9. Earn Miles With JetBlue Flights
- 10. Book Car Rentals
- 11. Stock Up on KrisFlyer Miles With Participating Hotel Partners
- 12. Hotel Credit Cards
- 13. KrisFlyer Special Promotions
- 14. Hotel Booking Companies
- 15. Convert Hotel Loyalty Points to KrisFlyer Miles
- Special Programs
- Singapore Airlines Dining and Shopping Partners
- Final Thoughts
Earn KrisFlyer Miles With Credit Cards
Without a doubt, using credit cards that earn points you can transfer to your KrisFlyer account is the quickest and easiest way to earn tons of KrisFlyer miles.
1. Chase Ultimate Rewards
You can earn rewards points quickly with Chase Ultimate Rewards and transfer them to Singapore Airlines KrisFlyer.
Get 1,000 KrisFlyer miles for every 1,000 Chase Ultimate Rewards points you transfer (in increments of 1,000). According to the KrisFlyer site, this process can take anywhere from 1-8 weeks. In practice, however, it usually takes 1-2 business days.
The great thing about Chase Ultimate Rewards is that you can combine points from multiple cards.
Chase points are so easy to earn. Here are the Chase credit cards that we recommend you use to earn points that are transferable to the KrisFlyer program:
Recommended Chase Cards (Personal)
|Chase Sapphire Preferred® Card - This is our favorite beginners travel rewards card which has a 60,000 point bonus (highest ever) after you spend $4,000 on purchases in the first 3 months from account opening.
This sign up bonus is worth $750 in travel purchases (flights, hotels, car rentals etc) when you redeem your points through Chase's travel portal, which works like Expedia. The bonus alone could get you multiple round-trip flights or hotel stays.
|Chase Sapphire Reserve® - Consider this premium card if you want to get into a lot of airport lounges. The current sign up bonus is 50,000 points after you spend $4,000 on purchases in the first 3 months from account opening. You'll also get a $300 travel credit per year which wipes away a big chunk of the $550 annual fee.
|Chase Freedom Unlimited® - A simple, no annual fee card that earns you a $150 bonus after you spend $500 in your first 3 months. Earn 1.5% cash-back on all purchases, but you won't get any travel benefits or the ability to earn bonus points with this card.
Recommended Chase Cards (Business)
|Ink Business Preferred® Credit Card - This is our #1 recommended business card and right now comes with a 100,000 sign up bonus after you spend $15,000 on purchases in the first 3 months after account opening. This bonus is worth $1,250 when you redeem through Chase Ultimate Rewards for travel purchases (flights, hotels etc). Pay your cell phone bill with this card to receive up to $600 in cell phone insurance coverage per year.
|Ink Business Cash℠ Credit Card - earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months after account opening. This no annual fee business card earns up to 5% cash back on a range of business expenses such as office supply stores, internet, cable, and phone services.
Not only can you earn reward points from everyday spending, but each card has its own welcome bonus to get you quickly on your way to an award booking.
2. American Express Membership Rewards
If you don't have Chase Ultimate Rewards points or you need another source of easy-to-earn points to transfer to KrisFlyer, look no further than American Express Membership Rewards. Membership Rewards transfer at a 1:1 ratio and transfers take approximately 1-2 days.
Earn tons of Membership Rewards points with the following American Express credit cards:
Recommended American Express Cards (Personal)
|The Platinum Card® from American Express - There's currently a welcome bonus of 60,000 points after spending $5,000 in your first 3 months, worth up to $600 towards travel. Terms Apply.
However — you may be eligible for a (much) higher offer by using the CardMatch Tool. (There's no pull on your credit to check for personalized offers.)
This is our #1 card for accessing 1,200+ airport lounges worldwide (including Priority Pass). We leverage ~$2,700+ in value from the card every year. For rates & fees of the Platinum Card, click here.
|American Express® Gold Card - We love using this card as it earns 4x points at restaurants worldwide and 4x points at U.S. supermarkets (up to $25,000 per year; then 1x. Terms Apply). There's no better card in our opinion if you eat out and/or shop at supermarkets regularly.
With a welcome bonus of 35,000 points after you spend $4,000 in your first 3 months and up to $100 airfare fee credit per year, it's a strong choice. For rates & fees of the Gold Card, click here.
Recommended American Express Cards (Business)
|The Business Platinum Card® from American Express - Right now, there's a welcome bonus of up to 75,000 points after you spend $15,000 within the first 3 months. Terms Apply.
See how we get ~$5,525+ in value per year by leveraging many of the benefits & perks, including access to 1,200+ airport lounges worldwide. For rates & fees of the Business Platinum, click here.
|American Express® Business Gold Card - probably our favorite Amex business card because we earn 4x points across the top 2 select categories that we spend the most money in each month, such as Facebook or Google ads. The 4x points applies to the first $150,000 in combined purchases from these 2 categories each calendar year. After that, you earn 1x. Terms Apply. For rates & fees of the Business Gold Card, click here.
|The Blue Business® Plus Credit Card from American Express - A super simple, no annual fee card that earns you 2x points on any business purchase, up to $50,000 annually. After that, then 1x. Terms Apply. That makes for an easy 100,000 points per year. For rates & fees of the Blue Business Plus, click here.
Just like the Chase cards, you can earn a welcome bonus for most American Express cards, and their annual fees will vary.
3. Citi ThankYou Rewards
Do you have a Citi ThankYou Rewards account? If not, you might want to open one (and here's a quick list of the best Citi cards that will let you start earning ThankYou Points). Earn ThankYou Points by using these credit cards, and then transfer your ThankYou Points to the Singapore Airlines KrisFlyer program.
Every 1,000 ThankYou Points equals 1,000 KrisFlyer miles!
4. Capital One Miles
Capital One miles transfer to KrisFlyer at a 2:1 ratio. Instead of redeeming your Capital One miles in the Capital One Travel Portal for cash tickets, you now have the option to transfer them to your KrisFlyer account.
Using KrisFlyer miles can potentially save a ton of miles when looking to book first or business class tickets by using the KrisFlyer award chart compared to 1 cent per point of the cash ticket price using the Capital One Travel Portal.
Make sure you have a Capital One card that has the transferable miles feature. Here are our picks:
Recommended Capital One Cards That Earn Miles (Personal)
|Capital One® Venture® Rewards Credit Card - This card is packed with a lot more benefits and perks. Earn a 50,000 mile sign up bonus (worth $500 toward travel) once you spend $3,000 on purchases within 3 months from account opening. We recommend this as a no-brainer card if you even semi-regularly stay at hotels.
|Capital One® VentureOne® Rewards Credit Card - This is an excellent card for those looking to earn 1.25x miles per $1 on every purchase. With a 20,000 mile sign up bonus (worth $200 toward travel) after spending $1,000 within the first 3 months and no annual fee, it's a strong choice.
5. Marriott Bonvoy Cards
You can earn Marriott points and transfer Marriott points to KrisFlyer at a transfer rate of 3:1. Plus, for every 60,000 Marriott points that you transfer, you'll receive an extra 5,000 KrisFlyer miles bonus.
Recommended Marriott Bonvoy Cards
|Marriott Bonvoy Boundless™ Credit Card - Earn 75,000 bonus points after spending $3,000 on purchases in the first 3 months from account opening. Get automatic silver elite status each account anniversary year; and a free night award (valued up to 35,000 points) every year after account anniversary.
|Marriott Bonvoy Bold™ Credit Card - Earn 30,000 bonus points when you spend $1,000 on purchases in the first 3 months of account opening. Earn 3X points per $1 at participating Marriott Bonvoy hotels. A solid card for Marriott loyalists looking for a no-annual-fee card offering Marriott Bonvoy Silver Elite status.
|Marriott Bonvoy Business™ American Express® Card - earn 75,000 bonus points when you spend $3,000 on purchases in the first 3 months of account opening. A solid card for business owners who will get complimentary Marriott Bonvoy silver elite status. Annual fee is $125. Terms Apply. For rates and fees of the Bonvoy Business Card, click here.
|Marriott Bonvoy Brilliant™ American Express® Card - earn 75,000 bonus points when you spend $3,000 on purchases in the first 3 months of account opening. Earn 6x per $1 at participating Marriott Bonvoy hotels plus 3x at U.S. restaurants and flights booked directly with airlines. Annual fee is $450. Terms Apply. For rates and fees of the Bonvoy Brilliant card, click here.
Singapore Airlines KrisFlyer
If you are flying with Singapore Airlines, make sure you attach your KrisFlyer account number to every flight to ensure you earn miles.
6. Sign Up for the KrisFlyer Loyalty Program
When you enroll in KrisFlyer, a membership number will be assigned to you right away. The official membership card will be sent once you complete your first qualifying transaction for Singapore Airlines, SilkAir, or Scoot.
KrisFlyer members earn points for travel with Singapore Airlines and its more than 200 partners, which include airlines, hotels, car rental agencies, and more.
These reward points can be redeemed for award tickets and upgrades.
7. Fly Singapore Airlines
Receive bonus miles ranging from 50% to 200% for Singapore Airlines, SilkAir, and Scoot flights! The chart below shows how many you'll earn based on airline and fare class.
All cabins have amenities including in-seat power supply, height-adjustable leather headrests, and inflight entertainment on personal video monitors.
For those who prefer to travel in luxury, there is Suites Class, available exclusively on the Airbus A380 with flights to New York, Sydney, and other big cities. Talk about privacy!
Suites are individual cabins with window blinds and sliding doors to keep out prying eyes. Relax in a chaise lounge or catch up on work at a large table. A separate bed (with turndown service) makes sleeping comfortable.
Here's the KrisFlyer accrual chart on Singapore Airlines flights:
|Singapore Airlines Fare Class
|Singapore Airlines KrisFlyer Accrual
|Suites/First Class
|Business Class
|Premium Economy
Here's the KrisFlyer accrual chart on SilkAir:
|SilkAir Fare Class
|SilkAir KrisFlyer Accrual
|Business Class
|Economy Class
Lastly, here's the KrisFlyer accrual chart on Scoot:
|Scoot Fare Class
|Scoot KrisFlyer Accrual
|Business Class
|Economy Class
Singapore Airlines KrisFlyer Travel Partners
Singapore Airlines partners with over 30 airlines and you can often earn KrisFlyer miles when you fly with one of these partners. You can also earn miles through some hotel and rental car bookings.
8. Earn Miles With Star Alliance Partner Airlines
Because it's a member of the Star Alliance, Singapore Airlines has a ton of airline partners in its KrisFlyer program. The following table shows the maximum percentage of miles you can earn with each airline. Click on this link to get the full details on mileage accrual policies for all airlines.
|Aegean Airlines
|Up to 125%
|Copa Airlines
|Up to 125%
|Shenzhen Airlines
|Up to 150%
|Air Canada
|Up to 125%
|Croatia Airlines
|Up to 125%
|South African Airways
|Up to 125%
|Air China
|Up to 150%
|Up to 125%
|Swiss International Airlines
|Up to 200%
|Air India
|Up to 150%
|Ethiopian Airlines
|Up to 125%
|TAP Portugal
|Up to 125%
|Air New Zealand
|Up to 125%
|EVA Air
|Up to 125%
|Thai Airways
|Up to 150%
|Alaska Airlines*
|Up to 150%
|Up to 125%
|Turkish Airlines
|Up to 125%
|Up to 150%
|Juneyao Airlines^
|Up to 125%
|United Airlines
|Up to 125%
|Asiana Airlines
|Up to 150%
|LOT Polish Airlines
|Up to 125%
|Virgin Atlantic*
|Up to 125%
|Austrian Airlines
|Up to 150%
|Up to 200%
|Virgin Australia*
|Up to 200%
|Up to 125%
|Olympic Air
|Up to 125%
|Up to 125%
|Brussels Airlines
|Up to 125%
|Scandinavian Airlines
|Up to 125%
*Not a member of Star Alliance
^Star Alliance connecting partner
Hot Tip: For more information, check out this in-depth guide to help you know where to credit your airline miles.
9. Earn Miles With JetBlue Flights
JetBlue Airways might not be a Star Alliance partner, but Singapore Airlines has an individual partnership with them that allows you to earn KrisFlyer miles on all JetBlue flights.
The miles you earn will be dependent upon the fare class into which you have booked your ticket. All paid business class tickets — sometimes known as Mint Class on JetBlue — will earn redeemable miles at a 125% rate. This means that you will earn 125% of the flight miles as redeemable miles, so a flight of 500 miles will earn you 625 KrisFlyer miles.
Economy tickets earn either 50% or 100% of your flight miles depending on the fare class of your ticket.
Hot Tip: It can be difficult to find your JetBlue fare class, but luckily the Google ITA Matrix is easily capable of doing this.
10. Book Car Rentals
Choose from several car rental partners to earn up to 500 KrisFlyer miles per rental. Be sure to give your KrisFlyer membership number when making your reservation to ensure the miles are applied.
11. Stock Up on KrisFlyer Miles With Participating Hotel Partners
Qualifying stays with KrisFlyer hotel partners can be worth up to 500 miles or 3 miles per $1 spent. You must sign up for the hotel loyalty program to earn the KrisFlyer miles.
It typically takes 6-8 weeks for miles to post to your KrisFlyer account. The table below shows some of the participating hotels, and you can find a complete list of KrisFlyer hotel partners here.
|Hyatt Hotels and Resorts
|500 miles/stay
|New Otani Hotels
|500 miles/stay
|Up to 2 miles/$1
|Okura Hotels & Resorts
|Up to 500 miles/stay
|Marriott International
|Up to 2 miles/$1
|Park Regis Hotels
|Up to 3 miles/$1
|Melia Hotels
|Up to 500 miles/stay
|Taj, SeleQtions, and Vivanta Hotels
|Up to 2 miles/$1
|Millennium Hotels & Resorts
|500 miles/stay
12. Hotel Credit Cards
You can even use credit cards to earn reward points for several of these hotel loyalty programs.
|Hilton Honors American Express Surpass® Card
|Hilton Honors American Express Card
|Marriott Bonvoy Boundless™ Credit Card
|World of Hyatt Credit Card
13. KrisFlyer Special Promotions
Singapore Airlines offers special promotions regularly. Keep checking the KrisFlyer Promotions page to find deals like double miles or miles for magazine subscriptions!
14. Hotel Booking Companies
Book hotel stays through Agoda.com and Kaligo.com to receive KrisFlyer miles. Just set KrisFlyer as one of your airline loyalty programs and include your membership number.
|Booking Company
|Earned Miles
|Up to 2 miles/$1
|Up to 12 miles/$1
15. Convert Hotel Loyalty Points to KrisFlyer Miles
We already discussed how to earn miles for stays with Singapore Airlines hotel partners, but you can also transfer hotel miles to your KrisFlyer account from the following loyalty programs. Learn more about each loyalty program here.
|Transfer Ratio
|Hilton Honors
|Marriott Bonvoy^
|Radisson Blu
|Shangri-La Hotels and Resorts
|1:1 (1:1.25 for Golden Circle members)
* You can choose to automatically convert your points at a 2:1 ratio. Or, convert at a 4,000:2,000 ratio at your convenience.
^For every 60,000 Marriott points that you transfer, you'll receive an extra 5,000 KrisFlyer miles bonus.
Special Programs
Booking an event space could earn you extra KrisFlyer miles.
16. Book Event Space
Earn KrisFlyer miles by hosting events at a Langham Hospitality Group location. Earn 1 KrisFlyer mile for every $1 spent when you book a qualifying event of at least $6,500 (up to 25,000 miles).
Singapore Airlines Dining and Shopping Partners
If you're going to be shopping anyway, you might as well earn a few extra KrisFlyer miles to give your account a boost.
17. B-Infinite
B-Infinite is a Malaysia-based loyalty program. By shopping with their various lifestyle brands, you can earn BPoints that can transfer at a ratio of 100:10 to KrisFlyer.
18. KrisFlyer Spree
Shop your heart out while earning KrisFlyer miles at the KrisFlyer Spree site, a collection of online retailers that includes everything from electronics to toys and games.
Just make sure to shop at stores within your country by setting the page to your location. Options include "USA," "Singapore," "United Kingdom," etc.
To earn miles for your purchases:
- Enroll and log in to your account.
- Browse merchants and click "Shop Now" to be directed to the store's website.
- Shop and pay.
KrisFlyer will track your purchases and calculate the miles you earn. The miles will appear as "Pending" in your account, and it takes approximately 5 business days for the miles to become "Approved." At that point, frequent flyer miles will be credited within 7 business days.
19. KrisShop
In addition to shopping using the KrisFlyer Spree, you can earn KrisFlyer miles for shopping at KrisShop. All you have to do is shop online and log in with your KrisFlyer frequent flyer information.
You'll earn 1.5 miles per SG$1 spent.
20. Chope
Within the Chope app, you can earn their rewards currency, which is called Chope-Dollars. By using Chope at over 2,000 of the best restaurants in Singapore, Hong Kong, Shanghai, Bali, Bangkok, Phuket, and Jakarta, you can earn tons of rewards for dining out. Specifically, you can redeem 1,200 Chope-Dollars for 1,000 KrisFlyer miles.
The miles will be transferred to your KrisFlyer account up to 30 business days after the conversion is requested.
Final Thoughts
We hope these tips have shown you how easy it is to earn Singapore Airlines KrisFlyer frequent flyer miles.
Now it's time to increase your KrisFlyer miles balance so you can redeem them for travel rewards like flights, upgrades, and more!
Alternatively, if you're interested in getting to Singapore but are having difficulty going the KrisFlyer route, check out our post for alternative options: The Best Ways to Fly to Singapore With Points and Miles [Step-By-Step].


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"Geez, again I have to be berated by this jacket? I mean c'mon, the kid had a wide open shot....who couldn't have made that?!? I have a little bit of equipment malfunction and have to pull out, and this kid goes on to be the Rebellion's superstar. Did anyone realize he's family with the enemy?!? And he's still your poster child? Hmmph....And another thing, I'm tired of all of these jokes at my expense, just because I had to pull out of my treacherous Death Star run. Can't make it with your lady? "Oh, he must've pulled a Wedge Antilles." The Projector is not working for your knockout presentation on torpon torpedo topology? "Hey, way to go! You pulled a Wedge Antilles!" Crash to your death at the Death Star just because of some flimsy stabilizer? "I could've made it back to Yavin, but, you know, didn't want to pull a Wedge Antilles....YEOOOUUUUUCCCCCHHHH!!!" So spare me your "officially licensed" ceremonial jacket and Yavin Medal, some of us are emotionally invested! And yes, I will refrain from "pulling a Wedge Antilles" and actually submit this review!"More Impressively Sarcastic Amazon Product Reviews here. This isn't a Robot Chicken quote is it?
"pull a Wedge Antilles"
Film How does one review this "Officially Licensed Star Wars Luke Skywalker Ceremonial Jacket with Medal Of Yavin"? How about:
Posted on Tuesday, February 07, 2012 Labels: star wars
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Holiday Tree-Cycling
Burbank residents may either leave their holiday trees on the parkway, drop them off at a specified park, or cut them to fit the the green waste container. Trees will be mulched or composted and must be free of all tinsel, ornaments, and metal stands.
Please call (818) 238-3800 from 7:30am - 4:00pm for specific dates, times, and drop-off locations


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Commonly used acupuncture points classification
There are many points found from body.In ancient times, the number of acupuncture points was established to be the same as the number of days in the year: 365.Read More
Mini Culture Presents
There are many points found from body.In ancient times, the number of acupuncture points was established to be the same as the number of days in the year: 365.Read More
What Is Acupuncture? Acupuncture is a safe and effective holistic medicine backed by more than two thousand years of practice and research. It is practiced worldwide both as a primary and adjunctive treatment for a wide range of conditions.Read More
Chinese traditional medicine boosts your sexual ability, lengthens your sexual term, and impove your sexual life. Deer stalk had been the first choice for the royal family to invigorate kidney yang since the old times. This is because deer stalk is closely related to reproduction and copulation capacity. One buck/male deer in meridian of life […]Read More
Chinese kung fu Uniform: Traditional Chinese silk clothing for tai chi and Martial Arts Masters Traditional Chinese silk clothing has a long history, dating back to the 27th century BC. Once the skill of spinning silk, or sericulture, was discovered, the Chinese made silk exclusively for 3,000 years without divulging the secret of the process […]Read More
Chinese Martial Arts: External Styles kung fu and Shaolin Temple Martial Skills You should know the Shaolin Temple if you want to learn Chinese Kung Fu. Also, you should learn Shaolin Chuan or Kung Fu if you know the Shaolin Temple. External Styles (Shaolin White Crane and Long Fist) (白鶴﹐長拳, Bai He, Changquan) Shaolin White […]Read More
Martial Morality, a Required Discipline in Chinese kung fu or Chinese Martial Arts Society Martial morality has always been a required discipline in Chinese martial arts society. Teachers have long considered martial morality to be the most important criterion for judging students, and they have made it the most important part of the training in […]Read More
kung fu Training: Safest Way to Avoid Common Injuries in Chinese Martial Arts Training Hand Conditioning: Traditionally, iron sand palm provided a method of conditioning the hands, which, once training was completed, would greatly enhance one's ability to kill or seriously injure an opponent. Iron sand palm was very popular in ancient times, and almost […]Read More
Chinese kung fu Preview: Chi Kung or Qigong and Taoism Qigong is being used as part of the Traditional Chinese Medication (TCM) in preventive and therapeutic health care. Qi is seen as the vital energy in one's body to maintain life. Qigong will train one to work on physical to control and exercise this energy […]Read More
Chinese kung fu Generates Martial Power or Jin Jin or Martial Power, can generally be divided into three categories: Hard Jin, Soft-Hard Jin and Soft Jin. Among these, Hard Jin uses the most muscular power, followed by Soft-Hard Jin and finally Soft Jin. But no matter which Jin, in order to manifest maximum power you […]Read More
Introduction to Yellow Emperor Classic of Internal Medicine, the Chinese Medical Classic What kind of book is Yellow Emperor Classic of Internal Medicine? History will tell you. (Note: For translation reasons, this book is also translated and called The The Medical Classic Of The Yellow Emperor, or Inner Classic of The Yellow Emperor.) In the […]Read More


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Multiculturals & Code Switching
Have you ever noticed that you have one set of verbal and non-verbal attributes in one conversation and then participate differently in the next? Our accents may change, our expressions, body language and even our whole attitudes can fluctuate between communities.
Is this wrong? Does it mean we're being "fake"? Or is it a sign of the growing diversity here in the U.S.?
Code-switching gets a bad rap most times, but really, doesn't it demonstrate our growing multicultural identity?
Code-switching implies a broader world view and the accommodation of a variety of communication styles. A speaker might present themselves differently in each relationship or community in order to more fully engage their audience.
Often it's not a matter of conscious choice, but more an attempt to create bonds and build comfortable relationships. Many times, without realizing it, multicultural and bicultural individuals adjust our actions and words to fit the acceptable standards of the community we're interacting with or to meet their expectations of us.
What Does Code Switching Look Like?
You might notice that when you're among your closest friends, you're more likely to laugh loudly, use dramatic gestures or crack jokes. With your traditional grandparents, you might be more reserved and with your college friends, maybe you take a more scholarly tone.
Changing the way you communicate to fit the situation or accommodate the individuals you're addressing is nothing new. And this is one of the things that multiculturals and biculturals do best.
Think about it. Lawyers use one language, school teachers and military members yet another. It seems that we all have different "codes" established within each community. The codes used can vary by culture, language, dialect, ethnic background, socio-economic status, level of education and even by geography.
Dominicans in New York, for example, have a distinct culture and communication style that sets them apart from Tejanos in Laredo. Yes, there is some cultural overlap, but each community has their own distinct nuances.
Someone who's grown up within both communities will have an understanding of the "codes" unique to each community and may be able to transition seamlessly between the two distinct cultures.
Even a city kid visiting a rural town might find many differences within the local culture, local dialect, gestures and social customs. Imagine moving from New York City to Montana or from South Texas to South Cali.
The experience is going to be different and you need to be able to grow and adjust according to the culture you're immersed in.
Multiculturals and Code Switching.
Multiculturals seem to be the masters of code-switching, which makes sense. The more places you've lived, religions you've practiced, cultures you've immersed yourself in, the more smoothly you'll learn to transition between communities.
Anywhere that you find a multitude of cultures or languages, you'll be sure to find a plethora of code switching going on. And this is especially true near cultural or geographic borders.
To some, code switching might be viewed as "posing" or "acting fake," but in reality, it's a skill that multiculturals have developed over years of experience. It's also a great skill that helps individuals to compete in a global market and cross cultural barriers that may not even be visible to individuals outside of the culture.
Why Code Switching Matters.
Code switching is an act of consideration and humility that demonstrates your connection to each group or individual that you interact with.
When you code switch, you actively work to make everyone in the room comfortable.
As someone who code switches, you're also connecting with your roots and experiences within each culture and creating a space where you feel more comfortable and more like yourself.
For more on code switching and understanding cultural nuances, check out the Code Switch podcast.
This post was first published in April 2011. It has been republished for our current readers.


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One of the reasons Meredith Wealth Planning was founded as a fee-only firm was to remove any potential conflict of interest conflict between the advisor and the client, and to assure clients that they are receiving objective fiduciary advice.
A fee-only registered investment advisor cannot receive commissions or product kickbacks of any sort. The only source of revenue for a fee-only advisor is the annual advisory fee the client pays. A fee-only registered investment advisor is required to adhere to a fiduciary duty at all times with the client.
This helps remove the conflicts of interest when choosing the proper products to help implement a plan. The client no longer has to question whether an investment was recommended because it was in their best interests, or in the best interests of the person recommending it.
Fee-based vs. Fee-only
There is some confusion amongst consumers between fee-based and fee-only advisors. Fee-based advisors are generally dually registered, both as an investment advisor and as a broker, meaning they can receive commissions for product sales and kickbacks in certain situations.
Fee-only advisors are only registered as investment advisors.
As a primarily fee-based advisor for 7+ years at my prior firm, I came to the realization that if I were a consumer, I would not hire someone that did not have to adhere to my best interests at all times (which means I would not hire myself!). That's when I knew it was time to make a change.


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The artificial transcription factor (ATF) created by Professor Sera and colleagues is capable of suppressing the expression of SOX2 protein, an oncogene associated with both lung and esophageal cancer
we have used ATF technology to successfully suppress SCC in vitro and in vivo … as a first step in the search for an effective treatment for SCC lung and esophageal cancers
OKAYAMA, Japan (PRWEB UK) 30 November 2017
Researchers at Okayama University describe in Oncotarget an approach for suppressing the expression of the SOX2 protein, an oncogene associated with both lung and esophageal cancer. The procedure, based on the targeted delivery of a specially designed artificial protein, may signify an important step towards new cancer therapies.
Most cancer-related deaths world-wide are caused by lung cancer. For one type of lung cancer, lung squamous cell carcinoma (SCC), a protein called SOX2 is known to be a candidate oncogene — a gene that, under certain conditions, can transform a cell into a tumorous cell. A team of researchers led by Professor Takashi Sera from Okayama University has now found a method for suppressing SOX2 expression in cancer cells. The scientists' approach involves a so-called artificial transcription factor (ATF) — a protein that regulates the production of a gene — and may lead to an effective therapy for not only lung SCC but also esophageal SCC.
The ATF created by Professor Sera and colleagues acting as a SOX2 suppressor is based on 'zinc finger' structures: protein motifs featuring stabilizing zinc ions. The researchers first showed that introduction of their ATF compound (labeled ATF/SOX2), consisting of 6 zinc-finger arrays, indeed leads to the suppression of SOX2 expression in vitro. They also confirmed that the ATF did not affect the viability of normal human cells. In a mouse model, ATF/SOX2 inhibited lung SCC tumor growth, confirming the effect of suppression of SOX2 in vivo.
Regarding the prospect of developing an SSC therapy based on ATF/SOX2, the scientists point out that an advantage of using ATFs is their small molecular weight, making it relatively easy to deliver them to target cells. They also note that ATFs can fuse with cell-penetrating peptides, providing a potential mechanism for the actual delivery. Moreover, this protein delivery approach is independent of cell type and there's no risk of mutagenesis (a change in the genetic information of an organism).
Professor Sera and colleagues conclude that, although certain challenges still have to be overcome, "We have used ATF technology to successfully suppress SCC in vitro and in vivo … as a first step in the search for an effective treatment for SCC lung and esophageal cancers."
Transcription factors are proteins that control how much genetic information is transcribed into messenger-RNA. Their function is to ensure that genes are synthesized ('expressed') at the right time and place in the cell, and in the right amount.
SOX2 is such a transcription factor; it plays an essential role in (early) mammalian development and in the maintenance of stem cells (cells that have the ability to differentiate — become cells of a specialized type).
In lung squamous cell carcinoma (SCC), SOX2 becomes overexpressed. Professor Takashi Sera from Okayama University and colleagues have now found an approach for suppressing SOX2 expression.
Zinc Fingers
A zinc finger is a protein structural motif featuring one or more zinc ions. The zinc ions provide stabilization of the local folded protein structure by being a coordination center for surrounding ligands. Artificial transcription factors (ATFs) based on zinc-finger structures can be designed in such a way that they regulate the expression of particular target genes. Takashi Sera and colleagues have now shown that an ATF based on 6 zinc fingers can suppress the expression of SOX2, a protein identified as an oncogene for lung and esophageal squamous cell carcinoma (SCC).
The artificial transcription factor (ATF) created by Professor Sera and colleagues is capable of suppressing the expression of SOX2 protein, an oncogene associated with both lung and esophageal cancer.
Etsuko Yokota, Tomoki Yamatsuji, Munenori Takaoka, Minoru Haisa, Nagio Takigawa, Noriko Miyake, Tomoko Ikeda, Tomoaki Mori, Serika Ohno, Takashi Sera, Takuya Fukazawa & Yoshio Naomoto. Targeted silencing of SOX2 by an artificial transcription factor showed antitumor effect in lung and esophageal squamous cell carcinoma. Oncotarget, vol.8, No.61, pp.103063-103076, 2017.
DOI: https://doi.org/10.18632/oncotarget.21523
Correspondence to
Professor Takashi Sera, Ph.D.
Department of Applied Chemistry and Biotechnology, Graduate
School of Natural Science and Technology, Okayama University,
3-1-1 Tsushimanaka, Kita-ku, Okayama 700-8530, Japan
e-mail : sera(at)cc.okayama-u.ac.jp
Further information
Okayama University
Website: http://www.okayama-u.ac.jp/index_e.html
Okayama Univ. e-Bulletin: http://www.okayama-u.ac.jp/user/kouhou/ebulletin/
About Okayama University (YouTube):
Okayama University Medical Research Updates (OU-MRU)
Vol.1:Innovative non-invasive 'liquid biopsy' method to capture circulating tumor cells from blood samples for genetic testing
Vol.45:Link between biological-clock disturbance and brain dysfunction uncovered
About Okayama University
Okayama University is one of the largest comprehensive universities in Japan with roots going back to the Medical Training Place sponsored by the Lord of Okayama and established in 1870. Now with 1,300 faculty and 13,000 students, the University offers courses in specialties ranging from medicine and pharmacy to humanities and physical sciences.
Okayama University is located in the heart of Japan approximately 3 hours west of Tokyo by Shinkansen.
Website: http://www.okayama-u.ac.jp/index_e.html
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Christine Benz, Morningstar's director of personal finance, has been writing on the subject of retirement for a very long time.
Whether you're embarking on retirement in a few years or you have a long way to go, here is some of her wisdom captured over the years that will certainly help you.
Understanding capital preservation is about understanding the risk. Risk is the permanent loss of capital in real terms over the investor's time horizon. You should sit with your financial adviser to calculate the actual exposure to equity, and within equity various market caps. For example, some U.S. experts state that investors would have to delay their retirement by 6 years to recover from a 25% capital loss in their portfolio.
Avoiding large losses remains a key element to building wealth. In other words, capital preservation is the key to building wealth.
Permanent losses are driven by valuation (overpaying for an asset) and deterioration in fundamentals. In case you were unaware, valuation risk is one of the biggest risks that investors face. Avoid overvalued assets and diversify across investments whose cash flows are driven by different factors.
In the context of annuities in terms of retirement is the issue of longevity or basically outliving your retirement savings. Where annuities actually have a role to play is, obviously, in providing some form of guaranteed income. So, for an investor who incorporates an annuity in the portfolio, it basically gives you some portion of your portfolio that has a stable income and it enables you to be more aggressive with the other part of your portfolio.
It is, and unfortunately this is the most common pitfall that we see, where people don't get serious about retirement planning until they are, say, in their 50s and they want to retire in 10 or 15 years.
The problem is by starting too late, you don't have that many levers left to fix that plan. So even if you are able to make very generous contributions going forward, even if you make some heroic assumptions about what the market might return over your time horizon to retirement, it may be difficult to make the numbers add up.
The only lever you have at that point is to push retirement further out into the future which, unfortunately, is really the only solution for many folks who start too late. All they can do is keep working for the foreseeable future, because the math of retirement to the date that they'd like to hang it up just doesn't come together.
Now that your time is constrained, you want to raise as much money as quickly as you can, but it doesn't always work out that way.
Many people who are starting late for retirement do kind of want to put the pedal to the metal. They want to invest in the asset class with the highest potential return - that tends to be stocks, over long periods of time. But you do need to have a sufficiently long time horizon to have stocks work for your benefit.
Even if you have had a very good experience investing in stocks, and you don't start taking some money off the table as retirement draws close, it could backfire. It often happens that investors haven't steered progressively larger sums to bonds and cash as retirement gets near. That means that their portfolio, as retirement gets close, is way too risky given their time horizon.
I would point out, though, that even people who are closing in on retirement and retirees do need to have stocks as part of their portfolio. They need that return potential.
Don't put all your money in the company stock. We've all seen horror stories where employees have stuffed a lot of their retirement plans into their employer stock.
In a conversation with our David Blanchett, who heads up retirement research for Morningstar Investment Management, I asked him about the optimal level of company stock in an individual's retirement plan. He said zero, from a portfolio optimization standpoint, that you have so much of your own personal wherewithal staked with your employer that you don't want to have your financial capital staked with that employer as well.
A big retirement pitfall is not having a clearly articulated withdrawal strategy. Once you get close to retirement it is intimidating to start thinking about pulling out of that portfolio that you spent such a long time building. But it's important to have a clearly articulated withdrawal strategy. So think about what is the sustainable withdrawal rate, given my time horizon in retirement, given my asset allocation, as well as how from a logistical standpoint I'll go about withdrawing money from this portfolio.
Will I use a strictly income centric strategy and rely on bonds and dividend paying stocks and other securities that spin off income? Will I potentially tap my highly appreciated winner? Will I use a more total return oriented approach? It's really important to understand what specific strategy you are using for getting money out of that portfolio that you worked so hard to build up.
Finally, and perhaps most central for me, is that the money aspect of retirement is inextricably linked with some really crucial life issues: achieving dreams like travel, helping children and other loved ones find their financial footing, and retaining independence for as long as possible. These life goals depend on solid financial resources, of course, but they also intersect with people's quality of life and sense of purpose.