SharePrint RelatedWie man einen Geocache verstecktSeptember 3, 2019In “Deutsch”Sag uns Deine Meinung! Nimm an der Umfrage zu Challenge-Geocaches teil.November 30, 2015In “Deutsch”9 Tipps für eine verantwortungsbewusste Geocache-WartungJune 6, 2017In “Deutsch” Monat für Monat nominieren Geocacher diejenigen Hobbykollegen, von denen sie denken, dass sie die ultimativen Geocacher der Community für die ultimative Auszeichnung “Geocacher des Monats” sind. Die Nominierten reichen von genialen Event-Ausrichtern, die neuen Geocachern das Spiel gezeigt haben, bis hin zu Geocachekünstlern, die mit ihren Nicht-von-dieser-Welt-Kreationen andere zum Denken außerhalb von Plastik-Behältern angeregt haben.Wir werden die Nominierungen prüfen und wählen drei Geocacher als Finalisten aus. Dann übernimmt die Community die Zügel: Die Stimmabgabe erfolgt über Kommentare im entsprechenden Blog-Posting. Alle Finalisten erhalten ein Geschenkpaket vom Geocaching-Hauptquartier, und zusätzlich gratuliert virtuell die gesamte Geocaching-Community.Stimm hier für den Geocacher des Monats ab: http://bit.ly/12XRfMXKennst Du jemanden, der es verdient, als Geocacher des Monats geehrt zu werden? Dann nominiere ihn hier! http://bit.ly/1kuwRaIShare with your Friends:More Nominiere Deine Geocaching-Helden als “Geocacher des Monats”
Here’s a fun artifact from internet history: an old Usenet posting, now archived in Google Groups, seeking “extremely talented C/C++/Unix developers to help pioneer commerce on the Internet.” (Screenshot below.) That posting, by Jeff Bezos in August 1994 for a company then called Abracadabra and funded primarily by Bezos’s parents’ retirement funds, was to employ some of the first people at what would launch as Amazon.com a year later.An ambitious set of requirements is included. Imagine seeing a job posting like this today. Where might it lead? In this case, not just into the history books, but into a business that is rewriting the history books themselves, in digital form.Below, a screenshot of what looks like a very real posting to a job you just might wish you had applied for. Found via semantic web consultant Joe Devon on Twitter. Devon found the link via Quora. Tags:#Amazon#web A Web Developer’s New Best Friend is the AI Wai… Top Reasons to Go With Managed WordPress Hosting 8 Best WordPress Hosting Solutions on the Market Related Posts Why Tech Companies Need Simpler Terms of Servic… marshall kirkpatrick
The amount of friction depends on the nature of the material the duct is made of, how it was installed, how dirty it is, and how fast the air is moving. The photo above shows flex duct that’s not pulled tight at all. Even though you can’t see it all that well, you can tell that there’s probably going to be a lot of rubbing when air moves through that duct. The same flex duct pulled tight is shown below. It still looks a bit rough but is much better than the one above. A piece of rigid metal duct would provide a much smoother surface. FrictionThe first cause of reduced air flow is friction. When air moving through a duct rubs against the inner surfaces of that duct, it loses energy. It slows down. Its pressure drops. The more it rubs, the more those things happen. It’s like walking down a busy sidewalk with your shoulder rubbing against the buildings. RELATED ARTICLES Friction rates and pressure dropsThe result of friction and turbulence, as I said above, is that you get a drop in the pressure. As air moves through a supply duct, the pressure created by the fan behind it keeps it moving. The farther it travels down the duct, though, the more that pressure is reduced by friction and turbulence. That’s true in good duct systems as well as bad.Both of these causes, friction and turbulence, are included in the friction rates given for various types of ducts and fittings. As the word “rate” indicates, the friction rate doesn’t tell the whole story. You’ve got to combine it with something else to figure out what the whole pressure drop is. That’s where equivalent length comes in, and I’ll save that for a future article. Or you can skip ahead and go read Manual D.When designing and installing ducts, you’ve got to know about this stuff. To get the best air flow, you want ducts with the least amount of friction and turbulence you can get. To do so, choose low friction materials, like rigid metal, where possible, or make sure you install higher friction ducts like flex as well as you possibly can. Pull the inner liners tight!To reduce turbulence, rule number one is: Don’t turn the air with flex duct. If you have to do that, make it as big and gradual a turn as possible with the inner liner pulled tight. Better is to turn the air with metal fittings. Best is to turn the air with metal fittings that have round throats or turning vanes.Friction and turbulence play a big role in whether a duct system does what it’s supposed to or not. We’ve got this stuff quantified. If you’re not using Manual D or a ductulator or some other method that quantifies these effects, you may well end up with a system that no amount of commissioning can save. TurbulenceThe other primary cause of reduced air flow is turbulence. This one is a kind of friction of the air rubbing against itself. The main cause of turbulence within ducts is turning the air. When you send air through a 90° turn, the type of fitting you use to do so can make a big difference.The diagram below is from ACCA’s booklet Understanding the Friction Chart. In both of the 90° elbows, the air enters nice and smoothly. That’s laminar flow. When it makes the turn, however, notice that the air in the elbow with the curved inside edge (the throat) results in less turbulence. The elbow with the square throat produces more turbulence. Pick your fittings carefully! Two things. Just two things in your ducts are responsible for giving the blower in your furnace or air handler a hard time. They make the blower push against more pressure, thus reducing air flow or increasing energy use, depending on blower type. They cut the amount of air that gets delivered to the rooms. And they can be reduced but not eliminated. Do you know what they are?Maybe you’re thinking it’s flex duct that’s not pulled tight or not using rigid elbows or maybe even the dreaded ductopus.Those things are related, but we need to go back further. We want the root causes. This is basic physics I’m talking about. Maybe looking at the image above, a view through a piece of flaccid flex duct liner, will give you an idea of what’s to blame. Allison Bailes of Decatur, Georgia, is a speaker, writer, energy consultant, RESNET-certified trainer, and the author of the Energy Vanguard Blog. Check out his in-depth course, Mastering Building Science at Heatspring Learning Institute, and follow him on Twitter at @EnergyVanguard. Stuff I Learned at Joe Lstiburek’s House, Part 2Duct Leakage TestingShould Flex Duct Be Banned?How to Install Flex Duct ProperlyThou Shalt Commission Thy Ducts!
Improving housing for low-income peopleA local newspaper, The Tico Times, said that the bottles are made from 100 percent recycled plastic and filled with water collected near Juan Castro Blanco National Park. Once the recycled bottles are collected, they are pressed and filled to become roofing tiles.It will take some 5,000 water bottles to roof a small house, 8,000 bottles for a house of average size.The water bottles are attractive from a recycling point of view, but Thomson told the newspaper the real point is providing quality building materials at a low cost.“The cycle of poverty is often determined by where you live,” Thomson said. “Some housing projects fail because the homes people have don’t appreciate over time… We’re going to be able to sell [them] almost at cost,” he said. “All for the price of garbage.”Thomson is a Canadian entrepreneur who has lived in Costa Rica since 1990. A Costa Rican businessman has developed a type of plastic water bottle that can be turned into a roofing tile when its empty instead of pitched in the trash or sent to a recycling center.Donald Thomson worked for years to develop the idea after watching children squash plastic water bottles during a beach cleanup, an article in PlasticsNews said.Like lots of other people, Thomson had been bugged by the amount of plastic trash that washed ashore. Seeing the children flatten the bottles gave him the idea of developing his own bottled water company that also produced roofing tiles.“What we did is say, ‘Well, there’s so much plastic coming up on the beach, if you can’t beat them, join them,’” he told PlasticNews. “‘And what can we do with this from a high-quality building standpoint.’”Bottled water from Thomson’s company, Agua Costa Rica, sells for the equivalent of $1.25 to $1.30, slightly more than competing products from PepsiCo and Coca-Cola. The rectangular 710 ml. bottles are shipped in a recycled plastic tote that stores give out to their customers.When the bottles are empty, they are compacted and filled with a mixture of recycled paper, foam and cement. Then they’re mounted on rails and woven together with string to make roofing tiles, the article said.“I get my raw material back for almost zero cost,” he said. “That’s a really great business model. That’s a whole new deal.”
dan patrick chris webber fab fiveFormer NBA and Michigan basketball star Chris Webber went on The Dan Patrick Show Wednesday morning. The current NBA analyst for Turner Sports discussed a number of things with Dan Patrick, including, most notably, his time with the Wolverines and ESPN’s 30 for 30 “Fab Five” documentary, which Webber was not a part of. While on that topic, Webber seemed to criticize some of his former teammates, who he says exaggerated their importance in the film. “My whole thing has been it’s always been about us five,” he told Patrick. “And so when one guy has a million highlights in there of himself like he was the leading scorer, like when the stories are all after and embellished it’s just a little hard for me. But I think it was entertaining, there was a lot of truth in it.”Here’s the full interview:
OTTAWA – Homeowners with variable-rate mortgages have seen their rates go up over the past year as the Bank of Canada has raised its key interest rate target four times.And now, with economists expecting the central bank to hike its target interest rate again next week, those who have continued to stick with the variable-rate option may again be thinking about converting to a fixed-rate mortgage.Scott Evans, a financial planner at BlueShore Financial in North Vancouver, B.C., says you should ask yourself why you decided to choose a variable-rate mortgage in the first place and if anything has changed.“Was it something that you really thought about or was it something that you just chose because it was the lower rate at the time,” he said.The Bank of Canada has raised its key interest rate target by a quarter of a percentage point four times since July 2017, increasing it by a total of one percentage point to 1.5 per cent.Those moves by the central bank have prompted the country’s big banks to raise their prime lending rates, taking the amount charged on variable-rate mortgages higher.“Historically, you’ve been better off in a variable rate as far as rates go, but rates do fluctuate and if you see rates go up, more of your payment will be going toward interest rather than principal,” Evans said.“If that’s something that keeps you up at night then I think, yes, you should be looking at a fixed.”Omar Abouzaher, regional vice-president at Bank of Montreal, says the majority of the bank’s customers go for fixed-rate mortgages, opting for the certainty they provide over the term of the loan.“We are in a rising interest rate environment and it is always good to have a pulse check basically and have a mortgage review with your bank just to review where you are and assess your options,” he said.Abouzaher said switching to a fixed-rate mortgage can give you peace of mind because you will know what the interest rate you will be charged for the term of your loan.“You are not subjected to any fluctuations or surprises,” he said.But converting to a fixed-rate mortgage does not come without down sides.A fixed-rate mortgage will have a higher rate than you are currently paying. The savings come if rates continue to rise, but if you lock in and rates don’t continue to rise or even reverse course, you could end up paying more in interest than you would have if you stuck with the variable-rate loan.The penalty to break a fixed-rate mortgage before it is up is also generally higher than the cost to get out of a variable-rate loan early.“If you’re planning on selling your house and you’re planning on purchasing a new property, if you want to get out of your mortgage and break your mortgage, definitely the penalties are a bit cheaper on variable mortgages,” he said.Evans, who locked his own mortgage in last year, noted that a lot of people locked in at the time in part because the difference between variable and fixed-rate mortgages was quite narrow.“As rates have climbed we’ve seen that spread grow a little bit,” he said.But Evans says you shouldn’t try to predict where interest rates are going to go because even the experts get it wrong.“You shouldn’t be making your decision based on the outlook for interest rates that you’re reading in the newspaper. You should be making it on your own situation, your own personality, how it works with your overall financial plan.”
Kolkata: Senior Trinamool Congress leader Subrata Bakshi wrote to the Chief Election Commissioner on Wednesday, raising various issues related to the Lok Sabha elections.In his letter, Bakshi pointed out that hoardings and banners have been put up in various places across the city, congratulating the Armed Forces of the country for dismantling terrorist installations. However, he alleged that the BJP leaders in the state have placed such hoardings with political interest in mind. “They are trying to gain political leverage out of the aerial strike conducted by the Indian Air Force (IAF). The banners that have the pictures of the armed forces also carry BJP’s party symbol and some prominent leaders of the party,” he wrote. According to Bakshi, these posters and banners have been found to be in violation of the general advisory to the political parties by the Election Commission of India (ECI). Bakshi also brought to the notice of the commission as to how BJP is misusing the incident of the airstrike with an intention of influencing voters and urged the Chief Election Commissioner to take appropriate action in this regard. It may be mentioned that Election Commission officials have so far removed many banners and hoardings carrying the photographs of Bengal Chief Minister Mamata Banerjee and Prime Minister Narendra Modi, from various places. A drive has been going on to spot such banners that are still up in different parts of the state. Some CPI-M and Congress leaders on Wednesday met the senior Election Commission officials at the CEO’s office, demanding a free and fair election. They also urged the commission to identify the sensitive booths, if any, in the state. A senior ECI official is expected to visit the city later this week to supervise the situation.
New Delhi: Three persons, including an International English Language Testing System (IELTS) coach and one businessman, have been nabbed with 62 passports and 28 fake stamps at Delhi’s IGI Airport, police said on Sunday.Deputy Commissioner of Police (IGI) Sanjay Bhatia said that the gang lured people on the pretext of arranging VISA and sending them abroad. “The gang members affix fake immigration stamps of various countries on the passports, to create a fake travel history as this assist in procuring VISA from the concerned embassy,” said Deputy Commissioner of Police (IGI) Sanjay Bhatia. Also Read – After eight years, businessman arrested for kidnap & murderThe city police also nabbed husband-wife duo who were trying to travel abroad on bogus documents from IGI Airport. Police identified the accused as Saurav, Sachin Kumar, Mukesh Goyal and Jatinder Singh ( herbal product businessman), all native of Haryana. “Saurav is an IELTS(International English Language Testing System) Coach. He imparts English lectures to IELTS aspirants,” police said. The city police also nabbed one Ravinder Singh and his wife Sunita Kumari. Also Read – Two brothers held for snatchingsThe DCP further said that on the intervening night of March 1-2, a complaint was received about suspected fake and forged Indian immigration stamp in respect of two Indian nationals Sunita Kumari and Ravinder Singh who were seeking departure to Canada on the strength of Canadian visit Visa by Air Canada. “During scrutiny of their travel documents, it was found that there is no travel history of the passengers in the immigration pax log. There was no arrival and departure record against their passport in the system and Indian immigration stamps affixed on their passport were fake and forged,” said DCP Bhatia. Police said that husband-wife duo disclosed that they wanted to go and settle down in Canada. Hence, they approached their friend Shyam who further introduced them to an agent Vicky who runs a shop near Brahm Sarovar Kurukshetra. “Agent Vicky took Rs 6 lakhs from them on the pretext of arranging Canadian Visa and took both the pax to Chandigarh. The agent arranged fake immigration stamps to make both the pax look like frequent travellers,” police said adding that during investigations in the case they arrested all the other accused as well. Police found that Mukesh Goyal used to make fake rubber stamps through a software namely FLEXI.
In This Issue… * Risk takers head for the hills… * German Industrial Output soars! * Spending gets out of hand! * Yen runs alongside the dollar… And, Now, Today’s Pfennig For Your Thoughts! Elections Throw Euro Under A Bus… Good day… And a Tom Terrific Tuesday to you! I’m back in the saddle today, just in time for a few meetings today… UGH! I’m just not a “meeting person”… Once you get more than two or three people into a room, it tends to last longer than it should… But that’s just me… I know a lot of people that “live for meetings”… I was overcome with much sadness last night, when the Big Boss Frank Trotter, sent me an email, letting me know that his good friend, Peter Huber, had died. You see, I never met Peter, but we shared emails and a couple of phone calls a few years ago. Peter was diagnosed with kidney cancer, the same time I was diagnosed with the same disease. June 2007… We talked about the side effects of the chemo medicine we both took, and shared ideas of foods that didn’t upset our stomachs… Peter’s cancer spread too quickly, and after 5 years of trying every “new cancer treatment”, he died… I can’t help but fell sadness for his family, and sit here and think about how God has allowed me to go on… OK… sorry for the bummer beginning to today’s letter, but when I have something on my mind, or chest, I have to let it out… Well… last Friday, I sent you into the weekend talking about the elections that had held the euro hostage, that would be held in France and Greece… France got their socialist leader, good for them, I hope they have fun with that… And Greece got a government, no wait, no they didn’t… You see, the Greeks tried to vote in anti-euro leaders, but couldn’t get enough to form a government… Both of these elections couldn’t have gone any worse for the euro… France’s new leader, Hollande, ran on an anti-austerity platform… and for now, that will carry a lot of weight with traders and investors as far as their wanting to take on euro exposure. Of course, history tells us that eventually Hollande will see things along with the Germans… But, maybe, and here’s that phrase I dislike, “this time’s different”… Greece still hasn’t formed a government, so talk about a screwed up country! Sorry, I don’t mean to insult anyone that’s Greek, but come on, the country had a government that was doing the right things, bringing their excessive deficit spending down, but the pain apparently was too much for the citizens… Well, I’ve got news for them… That pain was nothing, compared to being bounced out of the euro! So… with the Big Dog, euro, getting hung out on a line, the footing for the currencies has been very slippery… And with the proxy for global growth, Australia, seeing their central bank debase the Aussie dollar (A$), the rest of the commodity currencies are also in search of terra firma. Gold & Silver have really seen heavy selling… but by whom? We’re not seeing it here on our metals desk… but, we’re not a “bullion bank”, or Big Swinging Metals Dealer, so maybe they’re seeing something different… U.S. stocks are getting their due too… dropping 4 days of the last 5… Which has people running to U.S. Treasuries again… Always running, never caring, that’s the life you live… sage words from the song I’m listening to right now… Red Rubber Ball, by the Cyrkle… Oh, by the way, the U.S. Treasury will auction $72 Billion worth of new Treasuries this week… And, oh, by the way, the U.S. Gov’t is doing their best to provide job security for the Treasury people… In the first 6 months of our fiscal year 2012, the U.S. Gov’t, has spent $1.84 Trillion. For comparison of numbers purpose only… For the entire year of 2001, the U.S. Gov’t spent $1.86 Trillion, which happened to be an all-time record at that time! But this current group will double that all-time record of 2001 this year… Speaking of 2001… I gave a presentation this past weekend to a group of people who had no idea who I was! Well give or take a couple of current Pfennig Readers, it was a new group that would hear things they hadn’t heard before… A lot of them signed up to read the Pfennig, so, welcome to you! The thing I was going to talk about though, was I showed them the U.S. Debt Clock of 2001, when our national debt was $5.7 Trillion… and then showed them the Debt Clock, circa 2012… $15.7 Trillion! The U.S. Gov’t has increased the national debt by $6.7 Trillion in the last 5 years… But the previous 5 years wasn’t exactly good, as the debt was increased $3.3 Trillion… I also told them that in 2001, Chuck had more hair, less weight, and few believers… OK… I’ve got to go on to something else before I explode here and begin throwing things! How could we as a country allow our leaders to do this to us, our kids, and grandkids? But right now… everyone wants to take pot shots at the Eurozone debt crisis, and not pay any attention to the U.S. debt crisis… Look, the Eurozone, as a whole, and the U.S. each contributed about 20% to the global GDP last year, so, it’s not like we’re comparing apples to oranges here… Both of these problems are nothing to ignore… The brightest shining star of the Eurozone, Germany, saw their Industrial Output jump 2.8% in March from Feb, which was 3 times the consensus forecast… And February’s -1.3% decline was revised upward to finish at -.3%, much better… and suggests to me that Germany probably skirted by the recession gauntlet… Well… it looks like Australia is going to turn their modest Budget Deficit of $44 Billion into a Budget Surplus next year… And with that news, the Aussie also announced that bond sales would decrease by 80%! OK… remember when I told you that I had the feeling that Australia was becoming the new Switzerland? Well, if they can pull this off in a time when a lot of countries are finding it difficult to live within their means, then a big feather will be in their cap! And… think about this… reducing their bond sales, will make the rest of the outstanding issues more valuable… Or at least that’s what I learned from the guy that taught me all about bonds, my friend, Ed Bonawitz… Now, Australia’s kissin’ cousin across the Tasman, New Zealand, is going in the opposite direction with their Budget… The N.Z. budget deficit widened in the 9 months through March to NZ$787 Million… Of course, NZ$ 787 Million isn’t exactly $1.2 Trillion, but then New Zealand is much smaller than the U.S. so, that goes back to my thought on comparing the U.S. to the Eurozone… The New Zealand dollar / kiwi has really shown some weakness lately, as it no longer can cling to the coattails of the A$… And now this Budget Deficit isn’t going to sit well with traders… But hey! The Japanese yen is securely back on the rally tracks! See how mixed up the investing world is these days? Japan’s debt is beyond the atmosphere, the U.S.’s debt is up to its eyeballs, but investors seek out these two when the risk takers head for the hills… The Chinese renminbi has been bouncing back and forth, in a very tight range lately… Today, the renminbi is a bit weaker, but that’s a tiny move in the renminbi world… A week has gone by since the U.S. Treasury Sec. Geithner, was in China to urge them to do things more like the U.S. Hopefully, the Chinese will continue to ignore the calls by the U.S. to do things more like them… Years ago, when it was fashionable to kick the Chinese for our Trade Deficit, when all they did was sell us stuff that we ended up buying… I told you all that the currency level of the renminbi was not going to correct our Trade Deficit… our financial meltdown took that task on, and reduced it by a large amount, but the Trade Deficit remains a problem… why? Oil… go ask the OPEC members how many dollars they have in reserve from their oil sales… Why doesn’t the U.S. Treasury Sec. sit down with the OPEC members and see if he can get them to change the way they do things? He’s tried it with China on numerous occasions… OK… I don’t mean to kick sand in the Treasury Secretary’s face… I’ve talked enough about his past at the Fed NY before & after the financial meltdown, that I won’t bore you with repeating all that! The Singapore dollar (S$) continues to remain strong.. The Monetary Authority of Singapore (MAS) gave the wink and nod for further S$ strength, so, when the Chinese renminbi decides to stop trading in a range, and get back on the rally tracks, the S$ will follow along. I see the British pound sterling (pound) continues to surprise me with its strength… Remember, I told you that the U.K. had gone for a double dip recession… and the Bank of England (BOE) had decided to add to their bond buying (stimulus)… But, the pound hangs tough… I guess right now it’s good to not be the euro… The U.S. data cupboard is pretty empty today… So, there’s nothing to look for to drive the markets this morning… I guess they are on their own! Then There Was This… Well.. in keeping with what I talked about above, regarding history with French and German leaders… German Chancellor Angela Merkel told reporters ahead of a meeting that she’ll have with France’s new leader, Hollande, that the fiscal pact is not up for renegotiation… “Merkel said Hollande would visit the German capital shortly after his inauguration as president, expected to take place on May 15, without giving a date for the much-awaited meeting.The German chancellor irked Hollande by openly campaigning for his rival Nicolas Sarkozy, who comes from the same conservative political family as Merkel.During the campaign, Hollande won few friends in Berlin by criticizing Merkel’s insistence on austerity as the way out of the Eurozone debt crisis, seeking to shift the focus to growth.But Merkel told reporters that both budgetary consolidation as well as growth was necessary in Europe and reiterated that the EU’s fiscal pact — aimed at reducing ballooning deficits — was not up for discussion.” Chuck again… this is not what the euro needs right now, or the Eurozone for that matter! They need a united front to implement austerity measures to get deficit spending under control… To recap… The risk takers have all headed for the hills… stocks, currencies, commodities including Gold, Silver and Oil, are all down, and U.S. Treasury yields are falling again… German Industrial Output was very strong in March, and Feb’s number was revised upward, thus suggesting that Germany will not go into recession. Australia announced that they will have a Budget Surplus next year, and reduce bond issuance by 80%! And Japanese yen continues to run alongside the dollar… Currencies today 5/8/12… American Style: A$ $1.0150, kiwi .7910, C$ $1.0030, euro 1.3030, sterling 1.6155, Swiss $1.0850, … European Style: rand 7.8525, krone 5.8040, SEK 6.8250, forint 220, zloty 3.2150, koruna 19.27, RUB 29.68, yen 79.75, sing 1.2465, HKD 7.7615, INR 53.13, China 6.3079, pesos 13.20, BRL 1.9195, Dollar Index 79.73, Oil $96.86, 10-year 1.84%, Silver $29.70, and Gold… $1,629.00 That’s it for today… I had a picture of the EverBank banner that hung in front of the NYSE last week on my desk this morning… Pretty impressive! I did do two Conferences in South Florida while I was gone, but it’s good to be home… Alex finished his Water Polo season in fine fashion scoring 3 goals in a 6-4 victory over a private school that doesn’t lose very often… Next year, he’ll most likely move up to varsity, and play for his older brother! That will be interesting! Thanks to Chris and Mike for picking up the conn on the Pfennig for me those two days, I would have found it difficult to do… Next week I head to Las Vegas for the Money Show, so a week of being at home and then back out… But then I’m finished until late July… So… that’s fine with me, and I’m sure Jennifer, who has to fly solo when I’m gone! And with that, I ask you to hug your kids today, your spouse, parents, etc. and go out and have a Tom Terrific Tuesday! Chuck Butler President EverBank World Markets 1-800-926-4922 1-314-647-3837 www.everbank.com