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Messages - Ren

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Other topics / "My Stepmom" comics
« on: December 12, 2018, 07:09:38 PM »

"My Stepmom" comics

I don't read often comics, but I'm attracted to the comics "My Stepmom". I can't read it to the end. :( I can't find this whole comics and I have no money to spend for it. My family members will never let me do so! How can I read it for free? Help!

Plants / Re: Pretty flowers for sale
« on: November 14, 2018, 02:40:16 AM »
A very good shop!

学习英语 / Re: 和药相关的英语表达
« on: November 13, 2018, 06:09:57 PM »

Food / Yum yum
« on: November 13, 2018, 05:57:59 PM »

Coxinha - Brazilian Chicken Croquettes

Yum yum! https://en.wikipedia.org/wiki/Coxinha

A recipe for coxinha: These chicken croquettes are a popular street food from Brazil. You don't have to be a Brazilian to enjoy this chicken croquette and cream cheese combination. Traditionally coxinha is made from Catupiry cheese, but you can just replace it with cream cheese.


  • 2 chicken breasts
  • 1 litre chicken stock
  • 1 onion, finely diced
  • 1 carrot, finely chopped
  • 2 bay leaves
  • 1 stick celery
  • cream cheese
  • 4 cloves garlic, minced
  • 300 gram flour
  • 1 egg
  • 1 cup very finely breadcrumbs
  • oil

Place the carrot in a large pot. Add chicken stock until the chicken breast is covered with at least 1/2 inch of liquid. Add the carrot, half of the onion and the bay leaves.
Bring chicken stock to gentle simmer, and poach chicken until cooked or around 15 minutes. Remove chicken breast, set aside and let it cool.
Measure the chicken broth about 350ml. Add the chicken stock to the saucepan and then slowly beat in the flour and cook for about 3-5 minutes until the dough not sticks to the pan. Remove from heat and let it cool.
In a small frying pan, add 1 tablespoon oil and sweat the remaining onion for 3-5 minutes until soft, then add the garlic and the celery for another 2 minutes.
Shredded the chicken breast, mixed with cream cheese, add the onion mixture. Stir to combine and season to taste.
Take a piece of the dough about the size of the golf ball. Roll it into a ball, and then flatten it into a disc. Add about 1 teaspoon chicken filling, bring up the edges all round, and carefully press the dough, so it totally encased, and shaped into a pear shape.
Whisk the eggs together in a bowl. Place the bread crumbs in a shallow pan and season it with salt and pepper. Dip the coxinhas in the egg, then in the breadcrumbs to coat. Chill the breaded coxinhas in the fridge for about 1 hour.
Fry until it gets golden brown. 8)

Food / Re: Canned corn
« on: November 13, 2018, 05:22:51 PM »
Yum! :-*

Philosophy / Robert Sapolsky about the humans, gibbons and other animals
« on: September 30, 2018, 03:54:27 PM »

Robert Sapolsky about the humans, gibbons and other animals

An intro:
Gregory C. Farrington (https://en.wikipedia.org/wiki/Gregory_C._Farrington): Good evening and welcome to this month's Pritzker lecture! I'm Greg Farrington executive director of the Academy; 'chief penguin' as they say... or as I say. I think that's a; it's as good an identity as any. Tonight it's my pleasure to introduce Robert Sapolsky from Stanford. You've heard of Stanford, I presume. he's the  John A. and Cynthia Fry Gunn professor. And he holds joint appointments in biology and neurology and neurological sciences. He's also research associate at the Institute of primate research operated by the National Museums of Kenya in Nairobi and the recipient of the MacArthur Fellowship. Most significantly he's an Academy fellow; he's one of us. Dr. Sapolsky received his BA in biological anthropology from Harvard and his PhD from Rockefeller University in neuroendocrinology. He's the author of several books including (and I love this title) "Stress, the Aging Brain, and the Mechanisms of Neuron Death" a guide to stress-related diseases in coping. I can't quite decide whether to read it or not. He also regularly contributes a journals such as "Discover", "Science", "Scientific American", "Harper's" and "The New Yorker". I hope you read them all!
Now I, before the final step of the introduction I will say I'm about to walk out. The reason is simple: my wife and I married our son off on the East Coast, we just got back and we're zoned. So we are going or these bundles of neurons are about to collapse and so we are trying to watch this on the Fora TV version later on, even though we regret missing tonight. His topic this evening is "Humans are we just another primate? Are we just a bunch of neurons?" Please join me in welcoming Robert Sapolsky.

Watch it:

More (about R. Sapolsky): https://en.wikipedia.org/wiki/Robert_Sapolsky

UFO / Re: Space looks better than ever, thanks to the ESO’s HAWK-I imager
« on: September 30, 2018, 02:24:42 PM »
Good news!!!

EARN MONEY / Re: The Miracle of Compound Interest
« on: September 03, 2018, 03:41:34 PM »
I found more about the compound interest: in Wikipedia https://en.wikipedia.org/wiki/Compound_interest

EARN MONEY / The Miracle of Compound Interest
« on: September 03, 2018, 03:38:50 PM »
The Miracle of Compound Interest

Albert Einstein was once asked what he thought was the most powerful force in the universe. He answered: Compound Interest! Now, I would have thought that Albert Einstein would have considered things other than money. But, when you take another look at it, he may be right. At least, he may have suggested the thing that most of us would like to have.

For the few reading this that have no idea what compound interest is, let me explain briefly. Let’s say you deposit a certain amount in a savings account (bad idea) and you leave it there for a while.

On day one you deposit $100 and the bank is paying you 4% compounded daily. On the second day your balance in the account will be $104. On day two your balance will be $108.16. Day 3 will yield $112.48 and so it goes. Until on day 18 your money have doubled to an account balance of $202.58.

Doubling one’s money in just 18 days and not having done a thing to accomplish that is an amazing feat if you ask me. In fact I might agree with Mr. Einstein to a degree. I am sure that compound interest might be a force that I want working in my life. It has all the possibility of making one’s life that of what we dream.

What If?

So, I was thinking to myself what if there was an internet based business that revolved around this principle of compound interest on the internet? That might be one of the easiest ways to earn money. In fact, the easiest. You put money in and it multiplies for you like a bunch of little bunnies. I don’t know about you, but, I’d go for that!

When I was young I used to hear of compound interest accounts a great deal more than I do today. I suppose bankers have just become more greedy or the wild fluctuation of interest rates over the last 2 or 3 decades have made it more difficult for banks to pay a rate that keeps up with inflation, recession and all the other financial pressures you can imagine operating in the world today. Although have long been familiar with the concept it just wasn’t something I felt I could do.

My mind kept telling me to get involved with such a paying plan one would have to have a great amount to deposit in an account. Then where would I find such a thing?
Having been working on the internet for a couple of years I had yet to come across such a thing. But then, I did.

In plain words there are such things on the internet and I have found some that require only $10 to start an account. What really bothers me about such things is that I have a very difficult time telling folks about it because they don’t believe me.

Everyone says, “oh yeah, I know about compound interest.” But then, those same people will look at the interest I am being paid and they immediately start telling me I’m being scammed and suckered. Having done my due diligence I have found that the chance of that is fairly small.

So, what if I was being suckered? Is there anything I could do to minimize my position? I wondered. And at once it was apparent to me. I decided to treat my investment as I would a night at the craps table. I would only invest what I was prepared to lose. So, let’s say we play it that way. Let’s say we have $1,000 to lose without thinking about jumping off a tall building. I could wait for my money to double and then take my original money out leaving only the interest earning interest. And that is how I play it.

One of the programs that I am involved in pays an incredible rate of up to 25% per month compounded daily. Let me show you some calculated results using that initial $1,000.

$1,000 over one year would result in a total balance of $14,551.92. At that time I would withdraw my $1,000 and cast the remaining interest back in to doing what it was doing before.
At the end of the second year my accrued amount would be an incredible $197,206.39 and the third year would put me into the millions. An unbelievable $2,869,730. Wow, like winning the lottery and how much did I risk? Only $1,000. That was my complete exposure to the program. Never mind that some of the programs are run by some of the biggest banks in the world. You hear their names everyday on CNN or FOX.

The miracle of compound interest. It exists out there folks. It works because some entity like a bank is lending that money out at a horrific rate or is investing in futures and doing so by borrowing the money from you and I to do so.

What are they making on our money? Probably 40 to 70%. It is worth it for them to pay us to put the money out there for them to use. The trouble with all this is “US”, I mean you and I. Well, maybe not me. Do we fear making a mistake so much that we cannot bear to lose an amount that will not change our life if we do. Because if we choose to take the risk on a small amount we might end up having life-changing results. The only mistake in life is believing our fear of making one.

A.C. Benson said, “One’s mind has a way of making itself up in the background, and it suddenly becomes clear what one means to do.” This is what anyone that truly wants to succeed to the Nth degree needs to think about. Risk and reward and the miracle of compound interest.

Do you believe it?

Stars / Re: "宝贝当家" ("Home Alone") ad from a Chinese cinema
« on: September 03, 2018, 03:30:24 PM »
It's just an ad of a Chinese movie "Home Alone". Here, an article about it: https://baike.baidu.com/item/宝贝当家/17649302  :)

Stars / Dave Ramsey
« on: September 03, 2018, 03:10:50 PM »

Dave Ramsey

Who is Dave Ramsey: https://en.wikipedia.org/wiki/Dave_Ramsey

An opinion of a fan of Dave: Dave Ramsey’s Financial Peace University July 22, 2005

We all at one time or another encounter a turning point in our lives. My turning point was my attendance at a Dave Ramsey Financial Peace University seminar. It was as though someone had wiped the fog from my bathroom mirror. My focus became very clear that day. To begin with.

I have to be honest, I was not at all thrilled about going. It was a Saturday and I don’t like to spend my Saturday’s sitting in an auditorium for 6 hours. The presentation was to start at 1 PM so we left home and just made it in time. I figured we’d be alright since I thought this could not be such a big event. Well, I was wrong. We just barely found a please to sit. Once Dave Ramsey came on I was glued to my seat.

The one thing you’ll quickly notice about Dave is that he is brutally honest about debt, credit cards, and money in general. That’s a good thing for most people, but a shocker for a some. To be told ” You don’t deserve squat” knocks a few of the self-centered in the audience of their chair. But it’s true as a lot of people these days think that just because they breathe air they should get whatever they want. Not to pick or insult college graduates but I’ve seen some that think just because they have a college degree they should get a top job, yet they have not proven themselves in a work environment.

Dave’s seminar is lively, interesting and filled with tidbits of humor to keep the pace upbeat. What he teaches is laid out in the most simple terms so that it can be understood by a wide audience. The stuff he sheds light on are truly common sense. Dave does not pretend them to be magic formulas or secrets. These are things you and I both are probably aware of but have never looked at them in the context Dave puts them in.

For example: Your greatest source of investment income is your salary. Yet most of our salary goes towards debt. So if we focus on getting out of debt first then we free up our income for investing. Simple, effective and true.

During the breaks several items are sold by Dave . Books, Cd’s and Video. Most all are reasonably priced. Are they worth what you pay for them? In my opinion, absolutely.

We purchased Financial Peace University in March of 2005. As of July we have eliminated over $6000 in debt and also have an emergency fund sitting in a money market account. We use the envelope system and have taught others to do the same thing. But even more important than the debt is we began tithing 10% of our earnings to our church. It truly is a great feeling and is something we truly and enjoy.

If you have the opportunity to see Dave Ramsey live do so. It may change your life.

EARN MONEY / Money Market
« on: September 03, 2018, 02:46:46 PM »
Money Market

You just have options which are limited in your local banks and a number in the national banks if you desire of the best money market rates. Nowadays, you will be able to find money rates in the host of the banks all around the nation because of the emergence of the online banking and online shopping. These sites could be used for comparison in case you are looking for the best money market rates. Because of the competition that is getting fierce, the banks would even try harder to earn your choice. And at that point, you can use this knowledge as an advantage in getting the best money market rates.
Determining Money Market Rates
You may ask this question – how will money market rates be determined? Well, let’s start with the fact that the money market accounts are savings accounts which are turbo charged. You will be able to earn almost the same interest rate and at the same time you could write checks coming from them but only for a limited number. Although the return in the money market accounts is not that high as compared to the certificates of deposit (CDs), it would still be of convenience. When it comes to the money market accounts, you can withdraw the amount of money you need whenever you need it. Hence, the bank would be giving you lesser interest.
Just like the CDs, the money market rates are changing daily. There is no formula and co clear all-time winner whenever you look for a bank that would be providing you with the highest rates. Luckily, the sites which give you banking rate comparisons would allow you to compare the current market rates between the banks. At the same time, you are given the details with regard to the specific terms like the number of checks you could write or even the minimum balance (if there is) that you will be needing before you will be charged with a fee every month. The usual case would let you invest as low as $1000. Unless you go below that amount, you will not be charged with a monthly fee. As brought by the nature of the market accounts, there is a legal limit on the number of checks that could be written within the month.
Furthermore, the maximum rates which are given to the money market accounts are part of the advertisements and are in the account paperwork as the Annual Percentage Yield or popularly known as APY. In order to get the APY, the holder of the account must leave the principal deposit as well as the interest which were earned by the account. In this way, the interests are permitted of earning interest as well. This is what is referred to as compounded interest.
Opening of a Money Market Account
In frequent times, any credit union or bank would be requiring the lowest possible amount of balance to open a money market account. This required balance must be maintained in producing interest. The account owner must complete the verification process of the requirement of the minimum balance in making sure that the bank would continue to produce the highest market rates.
Henceforth, the holder of the account must be able to follow the federal policies and regulations. These policies serve as a guarantee that there will be no costs that will be charged to your account. Any costs that would be charged could possibly affect the capacity of the account holder in getting the highest rates of the money market that has been advertised in favor of the said account. The said costs could include Regulation D fees, monthly service fees and transaction charges.
Because there is the possibility that the money market rates could change, the holders of the accounts must continue in verifying other banks and credit unions in order to find the best rates that are being offered. The accounts could be closed and the owners have the freedom to transfer their money into another account without incurring penalties. It is just that the account holder must move the funds only after any interest earned have been posted into his or her account.
So, which would you choose? Would it be money market account or the CDs? This question would be usually asked because the two has many similarities. If you will not need an access into your account for quite some time, the CDs would be paying a higher rate. But if you need to write checks in a flexible manner, have access to your funds in an instant manner and you want an interest rate of a savings account that is competitive, you have to choose money market account.
The money market account is a low risk and a safe way of investing your funds while you are given the freedom in accessing your money anytime you need it.

Is that true? Any opinions?

EARN MONEY / Gold Mutual Funds
« on: September 03, 2018, 02:42:57 PM »
Gold Mutual Funds

Gold is one of the precious metals that have since the beginning has garnered itself a place on the top and despite its availability is still in huge demands. Thanks to the ever-growing gold obsession, several gold mutual funds have been brought on. Most of them invest in Gold fund because it is the best and smart way to make colossal investments.
Almost all of them are buying designer gold jewels, which are, nonetheless, attractive as it has been for centuries. Although acquiring a hoard of designer jewelry is magnificent, it gnaws one’s mind regarding its safety. To keep the precious metals safe, the first option you might come upon is the neighborhood bank, which in turn calls for a check on their security, financial status and the service charges that they may charge for their services provided. But instead of accumulating jewelry, the best way to make huge investment is by buying bullion gold’s, such as, gold bars and coins. There are other gold investments that the traders and investors use, they are, Options, Futures, Commodities Contracts.
Importance of Gold ETFs
Gold mutual funds are the best way for a long term investment and an equally admirable substitute to safekeeping and holding gold bullions is Gold EFTs. Gold EFTs are exchange traded funds that are bought and sold as any stocks at the price tag that is close to the price of the gold sold at that moment. They could be bought and sold at any time the investor or trader wanted at the usual market trading hours. Exciting as it is, there are a couple of things that one should keep an eye out for. Some are on the thought that Gold ETF is identical to the other commodities bought and sold but that is far from the truth.
Few of them will have their own bullion whereas others will trade in based on the then gold futures contracts. And there is another set of group who has access to both bullion and futures and as time favors, lean in on the side that shows profit. Nonetheless, gold ETFs are the best gold mutual funds which also comprises of non-gold stocks and bonds.
Gold Ornaments
Unlike gold bullions, gold jewelry does not bring about any ready cash when required. In case of an emergency, gold ornaments do not get sold immediately; this can’t be said for gold coins and bars. The reasons could be ample, the buyer may not like the content of the jewelry or the workmanship or simply don’t like the style. Owing to these reason, you either end up selling the trinkets for a lower price than it is worth or not at all. The main reason why a trinket is top rated is because when you buy a stylish piece of jewelry, you pay for the store’s security, insurance and other amenities whilst gold bars and coins do not have these amenities. To come upon the best gold mutual funds, it is always wise to consult competent certified financial advisor.

How do you think about this? Is it right?

EARN MONEY / Mutual Funds for Beginners
« on: September 03, 2018, 02:37:19 PM »
For more information on this refer to the Wikipedia's https://en.wikipedia.org/wiki/Mutual_fund info.

Mutual Fund Primer
A mutual fund pool is an investment fund that is collated by various different investors and then invested into a portfolio that is constructed of various different securities based on what the investors’ request. A mutual fund company is normally known to invest in various different stocks, bonds, and money markets. In order for ownership to be claimed on these assets, the size of the investor’s stake in the fund will be taken into consideration.
An open end company
All mutual funds are open ended companies, legally and this is one of the three kinds of investment companies that are available to investors. The other two types of companies are unit investment trusts (UITs) and the close ended funds. The open ended company is one that is legally able to pool money from various different investors into one particular portfolio of all investments instead of putting each investment in a single portfolio for each investor. When this is done, an investor does not own the actual portfolio, instead they own shares in the portfolio.
When you invest in a mutual fund, you are basically buying shares in the investment portfolio. In mutual funds the pool will continue to grow in order for this particular portfolio to facilitate other investors. However, the mutual funds may opt to stop selling shares if they realize that the pool has gotten too big. As an investor, you have the option of buying and selling your shares through the mutual fund and there is no need to go through a broker or a secondary market.
Advantages of having a mutual fund
Having a mutual fund appears very attractive to some investors based on a variety of reasons. They come very affordable and all investors, no matter their level in the investing scheme. Therefore, as an investor you can find very low prices on the initial and subsequent purchases. These portfolios are also managed by professionals whose job it is to carry out research, choose the right investment for the funds, and to monitor the performance of the portfolio. When you opt to go with a mutual fund, you are also choosing to minimize your risk.
Disadvantages of mutual funds
Although there are numerous benefits to going with investing in a mutual fund, as with every investment markets there are a few drawbacks and the major one is that it has various different cost such as sales charges and annual fees that will be accrued no matter how your funds perform.
When you opt to invest in a mutual fund you can gain wealth as the stocks that you invest in grows. As a Wall Street investor, it is expected that there are some considerable amount of wealth to be gained from investing in a mutual fund.

How do you think about it? Is that true?

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