Affordable Deals Now Offered on Popular Certified Pre-Owned Apple® Devices

Prevention, how to spot symptoms, and what to do in case of carbon monoxide leaks

Jewelry containing toxic Lead and Cadmium may be in stores today if tested using EPA methods designed to test for soil and not jewelry. Metal Containing Jewelry Law must remove EPA methods and require CPSC methods to insure accurate and safe results.

Going against the safety guidelines of the Consumer Product Safety Commission (CPSC) could cause inaccurate test reports and unsafe jewelry to be sold in California.

FBO Offers Greener Alternative in Southern California

FBO Offers Greener Alternative in Southern California

ABC Foundations is a drug-free educational remediation center that offers services to children with learning and academic difficulties. Some children struggle with learning and academics due to delay at the brain stem level known as NDD.

Southern California's Premier FBO to Exhibit at NBAA–BACE 2019, Booth #N6110

Mexico is fast becoming one of the world's top vacation destinations

FBO Hosts Event Recreating Historic Air Race to Commemorate Its 90th Anniversary

Tech4Learning's Wixie is a finalist in the EdTech Digest Awards Program for 2016. Wixie is a cloud-based authoring tool designed for K12 education.

Brisa Guzman-Sanchez of Rhythm Tribe Exposes a Personal Emotional Disaster!

Remove All Unwanted Face and Body Hair with Minimal Pain and Discomfort

Dr. Holstein is a Positive Psychologist/filmmaker and originator of a unique Selfie Film concept. She is accepting Selfie Films submissions from the public for the "Selfie Showcase".

Dr. Holstein is an award winning Selfie Filmmaker, Positive Psychologist and podcaster who helps young people overcome anxiety and alienation through multiple media channels.

The most common term you might hear from experts these days is smart homes or automated homes. They represent living premises that are loaded with all comfort and ensure a better quality of life.

Ms. Xiong channels her innate drive and her years of expertise into her management position with Walmart Stores

People are using CBD OIL for Anxiety

Leader in stormwater management solutions introduces new paver product that is setting the standard for ground stabilization and protection applications.

The new factory reinforces Rivulis' commitment to making micro irrigation accessible globally by manufacturing the most extensive line of micro irrigation solutions and products in Mexico, for Mexico

The law firm will provide a free ride home for people who have been drinking in Huntsville, and a tow for their vehicle, this New Year's Eve.

Orthodox Jewish women traditionally cover their hair after marriage, spurring a vibrant, dynamic industry of head-coverings ranging from scarves of all colors of the rainbow to hats of assorted shapes and styles to wigs.

KitRUM, an international provider of custom software development services, has announced that it has opened a new office in Mexico City, the world's leading technology hub.

Would you like to know what your customers, users, contacts, or relatives really think? NuWave Solutions' Executive Vice President, Brian Frutchey, leads participants as they build their own sentiment analysis application with KNIME Analytics.

Praxis Mutual Funds strongly urges the SEC to reconsider the proposed rules

Docent Walk-Through March 5, Documentary Screening March 18

Clifford Beaumont: Theresa May pledges billions of pounds to help regenerate the UK economy after its exit from the European Union.

Ashton Whiteley: This week May hopes to gain approval to move Brexit negotiations to the next phase.

Clifford Beaumont: David Davis tries to broker favorable trade deal with EU for Brexit.

Clifford Beaumont - EU agrees to 21 month Brexit transition period on the condition that the UK accepts Northern Ireland solution.

Harvey Blackwood - With only a year left before Britain leaves the European Union, May seems more willing to compromise on key issues.

Rolands Petersons, member of the board of CPM Trading SIA, April 24, 2018, 12:10

Former Champion Cedric Boswell Launches Promotional Series with Three Title Matches in the midtown area of Atlanta on April 11th. Saturday Night Superfights is a sports/entertainment concept developed by Boswell and Worldboxe of Atlanta.

Dr. Holstein is an award winning Selfie Filmmaker, Positive Psychologist and podcaster who helps young people overcome anxiety and alienation through multiple media channels.

The Bright Life Coach, created by Margaret Carter, offers unique techniques and weekly workshops to empower people all over the country who have depression, anxiety, or dissatisfaction with the direction of their lives.

Stylepick has built a revolutionary system based on B2B wholesale clothing in the USA both for the wholesale clothing vendors and wholesale buyers

Does history repeat? Many of us, no doubt, remember the crash of the doc.com bubble back in 2000, and at least one analyst sees that pattern repeating before our eyes. Will Meade, who built his reputation in stock analysis with Goldman Sachs, believes that the current rally is only temporary, and that the markets are likely to fall again in 2H20 – by as much as 40%.Meade points that, like in 2000, we have the risk and uncertainty of a Presidential election coming up, and then adds, “The NASDAQ in 2000 did a similar bear market bounce as stocks this year — dropped 40%, then bounced 42% off the bottom retracing 61.8% of its drop. It stalled then fell 43%, making a new low four months later.” If Meade is right, then the true market bottom is due to hit us in late July or early September.The analyst is not all doom and gloom, however. While he is predicting bad news and tough times for the stock markets, he also points out that investors can act now to buffer their personal positions. His advice: move to liquid assets and build a cash savings buffer.Shoring up the savings account is only part of a strong defensive strategy. Investors can also shift their portfolio toward dividend stocks, relying on the steady income from the dividend payments to compensate for lower share price appreciation.We’ve used TipRanks database to find three high-yielding stocks that offer reliable payments – and all three have gotten the thumbs up from Maxim analyst Michael Diana.Ellington Financial, Inc. (EFC)We’ll start in the financial sector, with a small-cap company in the mortgage finance niche. Ellington operates as an investor, putting money into consumer loans, equity investments, mortgage backed securities, and both residential and commercial mortgages. It’s a standard portfolio for a mortgage-focused real estate investment trust.As an REIT, Ellington naturally offers a high dividend. REITs are required to a return a high percentage of profits to investors, and dividends are a sure way to comply with that regulatory provision. In response to the COVID-19 epidemic, and consequent economic damage, Ellington had to reduce its monthly payment starting with the April 29 payout. However, the company is maintaining a 54% payout ratio – returning more than half of earnings to investors. The 8-cent per share payment annualized to 96 cents, and offers investors a yield of 10%.Right now, the Fed’s key interest rate is down to the 0 to 25 basis point range, and Treasury bonds are yielding less than 1%. Even among dividend stocks, the average yield is just 2%. So, EFC’s 10% dividend yield is a fantastic return. Looking ahead, the company is expected to show 40 cents per share in earnings for Q1, more than enough to maintain the new monthly dividend.Maxim’s Michael Diana has tagged EFC as a ‘top pick,’ particularly noting the company’s strong management team: "Managing an mREIT even in 'normal' times is a difficult task, as the manager must balance leverage, prepayment protection, interest income, hedging, and diversity of financing sources to position the investment portfolio to withstand unexpected shocks without giving up too much income. When an unexpected shock does occur, crisis management skills are required to dynamically hedge and reposition the portfolio. We have followed EFC longer than any other analyst and, in our view, EFC management possesses all of these skills."Diana puts an $18 price target on EFC shares, implying a whooping 82% upside potential that fully supports his Buy rating. (To watch Diana’s track record, click here)Wall Street agrees with Diana’s assessment here. The analyst consensus on this stock is a Strong Buy, and it is unanimous, based on 4 Buy reviews set in recent weeks. Shares are selling at a comfortable entry point, just $9.87, and the average price target of $14.38 suggests room for a robust 46% upside growth this year. (See Ellington stock analysis on TipRanks)AGNC Investment (AGNC)Based in the Maryland suburbs of Washington DC, AGNC is another REIT. The company’s portfolio is centered on residential mortgage-backed securities, but with a twist. Most of AGNC’s portfolio investments are guaranteed by the US government. The company’s portfolio includes $70.7 billion in such agency-supported securities, out of a total value of $93 billion.AGNC reported fiscal Q1 earnings at the end of April, and beat the forecast on EPS. Per-share earnings came in at 57 cents, based on $65 million in net interest income. The income interest figure is down significantly from the previous quarter, reflecting the economic troubles caused by the COVID-19 pandemic. On a positive note, AGNC’s cash holdings increased 55% in the first quarter, reaching $1.29 billion by March 31.A solid cash position and safe guarantees on the portfolio make AGNC an attractive investment, and the reliable monthly dividend adds icing to that cake. Like EFC above, AGNC lowered its monthly payment in Q1. The new payment is 12 cents per share per month, which annualized to $1.44 and gives a strong yield of 11.5%. At 63.2%, the payout ratio shows that the dividend is easily sustainable at current income levels – and has room to raised back to previous rates when conditions warrant.Diana is bullish on this stock and upgrades his rating from Hold to Buy. The analyst noted, "While turmoil in the mortgage markets at the end of March resulted in losses and lower book values for all mREITs, AGNC was able to meet all of its margin calls and, importantly, take relatively fewer realized losses, and therefore retain more earnings power post-turmoil. This is why we believe the dividend, currently yielding 11.7% (vs. ~5% for peers) is safe."Along with the Buy rating, Diana gives AGNC a $15 price target, indicating a potential for 20% upside appreciation in the coming 12 months.The analysts are somewhat cautious on AGNC, a sentiment caught by the 8 to 3 split between Buy and Hold reviews. The consensus rating on the stock remains a Moderate Buy, while the $14.53 average price target implies a 14% upside potential. (See AGNC stock analysis on TipRanks)Manhattan Bridge Capital (LOAN)Last on our list is a NYC-based micro-cap lending company, Manhattan Bridge Capital. The company offers short-term financing and collateralized loans. Typical collateral includes real estate and tradeable stock, and the loans are usually used as first mortgages. LOAN originates, services, and manages its loan portfolio, and most of its customers are professional real estate investors and developers.The coronavirus epidemic has hurt real estate development and construction – exactly the type of projects that LOAN finances – in general, but that hit has been especially hard in New York City. At both the State and City levels, lockdown restrictions have been severe, and the mortgage loan environment is described by Diana as ‘challenging.’On a positive note, LOAN has covered its quarterly dividend payment, despite lower Q1 earnings. At 11 cents per share, the quarterly dividend annualized to 44 cents and offers investors a yield of 10.8%. Again, this compares favorably to most investment return yields out there.The high dividend yield alone makes this an attractive investment opportunity, but Diana also points out the stability of Manhattan Bridge’s portfolio, writing, “LOAN has never had to foreclose on a property and has never experienced a loan default.”With the stable portfolio in mind, Diana goes on to say, “We believe LOAN deserves to trade at a P/E premium to [peers] because of its: 1) lower leverage; 2) higher profitability; 3) better credit quality; 4) lower earnings volatility; and 5) dividend growth (which is possible in 2021, in our view, if the environment improves and stabilizes).”Diana’s $6 price target on the stock implies a healthy 46% one-year upside potential, and fully backs his Buy rating on the stock. Diana’s is the only recent Wall Street review of this stock – but should his thesis prove correct, expect LOAN to attract both stock analysts and investors in the near future. It offers a low cost of entry with a high potential return – an unbeatable combination. (See LOAN stock analysis on TipRanks)To find good ideas for dividend stocks trading at attractive valuations, visit TipRanks’ Best Stocks to Buy, a newly launched tool that unites all of TipRanks’ equity insights.

As can be common in many technical fields, the landscape of specialized roles is evolving quickly. With more people learning at least a little machine learning, this could eventually become a common skill set for every software engineer.

Dr. Robert Rosen, founder and CEO of Healthy Companies International and author of "Just Enough Anxiety: The Hidden Driver of Business Success."

Michelle Bachelet, former President of Chile, executive director of UN Women.

Sanjeev Agrawal, Collegefeed cofounder and CEO, explains what recruiters, new graduates, and college career centers need to do differently.

Mark Blyth of Brown University and Gianpiero Petriglieri of INSEAD discuss Britain's vote to leave the European Union.

Reshma Saujani, founder of Girls Who Code, is on a mission to get more young women into computer science. She says the problem isn't lack of interest. Her non-profit organization has trained thousands of girls to code, and the ranks of female science and engineering graduates continue to grow. And yet men still dominate the tech industry. Saujani believes companies can certainly do more to promote diversity. But she also wants girls and women to stop letting perfectionism hold them back from volunteering for the most challenging tasks and jobs. She is the author of the book "Brave, Not Perfect: Fear Less, Fail More, and Live Bolder."

On The Anxious Achiever, Morra Aarons-Mele explores the way anxiety, depression, and other mental health issues affect people at work – for better or worse. In this episode, she speaks with clinical psychologist Ellen Hendriksen and Arvind Rajan, the CEO of Cricket Health, about the tension between work and social anxiety. "The Anxious Achiever with Morra Aarons-Mele" is part of HBR Presents, a new network of business podcasts curated by HBR editors. For our full lineup of shows, search “HBR” on your favorite podcast app or visit hbr.org/podcasts.

Collection's European and Asian antiques have remained in private hands for 60+ years

Do the new Distress Oxide colors have you asking “what is the difference between the original Distress ink and new Distress Oxide ink?” Let’s test it!

In the 1930s, Lester Gaba was designing department store windows and found the old wax mannequins uninspiring. So he designed a new kind of mannequin that was sleek, simple, but conveyed style and personality. As a marketing stunt, he took one of these mannequins everywhere with him and she became a national obsession. “Cynthia” captivated millions and was the subject of a 14-page spread in Life Magazine. Cynthia and the other Gaba Girls changed the look and feel of retail stores.

Mannequin Pixie Dream Girl

Make your mark. Go to radiotopia.fm to donate today.

Valorant executive producer Anna Donlon offers a refreshing take on how toxicity needs to be dealt with in online games, and explores why a perfect solution is so difficult to create. ...

One of the biggest areas of CARES Act that benefits businesses is the Paycheck Protection Program (PPP). With big benefits, comes many questions around one detail specifically: loan forgiveness.
Which loan expenses are forgivable?
According to the CARES Act, if… Read More

The post Using PPP Loan Proceeds to Maximize Loan Forgiveness appeared first on Anders CPAs.

When you try to develop a machine learning application that affects people, you quickly learn that fairness is far more complex than we usually think, and also that fairness almost always requires us to make difficult trade-offs