Introduction to the Grain Complex

Temperature, precipitation, and the changing needs of customers all contribute to the supply and demand for commodities like wheat, corn, or soybeans. All these changes greatly affect the price of commodities, and the grain markets are essential to managing these price swings and providing global benchmark prices.

Anyone looking to invest in futures should know that the risk of loss is substantial. This type of investment is not suitable for everyone. An investor could lose more than originally invested. Only risk capital should be used. Risk capital is the amount of money that an individual can afford to invest, which, if lost would not affect their lifestyle.

What are grain futures contracts?

A grain futures contract is a legally binding agreement for delivery of grain in the future at an agreed upon price. The contracts are standardized by a futures exchange as to quantity, quality, time, and place of delivery. Only the price is variable.

There are two main market participants in the futures markets: hedgers and speculators:
Hedgers use the futures markets for the purpose of risk management. Hedgers have some risks associated with the price or availability of the actual underlying commodity. Futures transactions and positions have the express purpose of mitigating those risks. Speculators generally have no use for the commodities in which they trade. Speculators willingly accept the risk in return for the prospect of dramatic gains.

Advantages of Futures Contracts

Since they trade at the Chicago Board of Trade, futures contracts offer more financial leverage, flexibility, and financial integrity than trading the commodities themselves.

Financial leverage is the ability to trade and manage a high market value product with a fraction of the total value. Trading futures contracts is done with performance margin. It requires considerably less capital than the physical market. Leverage provides speculators a higher risk/higher return investment.

For example, one futures contract for soybeans represents 5000 bushels of soybeans. Therefore, the dollar value of this contract is 5000 times the price per bushel. If the market is trading at $5.70/bushel, the value of the contract is $28,500 ($5.70 x 5000 bushels.). Based on current exchange margin rules, the margin required for one contract of soybeans is only $1013. So for $1013, one can leverage $28,500 worth of soybeans.

Advantages of Grain Contracts
There are numerous unique qualities inherent to the grain since it is a tangible commodity. First, when compared to other complexes like the energies, grains have a lower margin making it easy for speculators to participate. Also, in general grains are not one of your bigger contracts in terms of total dollar amount, hence the lower margins.

The fundamentals in the grains are fairly straightforward. Like most tangible commodities, supply and demand will determine the price as well as weather factors.

With the new side by side (pit and electronic) trading, entries into the market are coming down rapidly.

Contract Specifications
There are seven different grain products traded at the Chicago Board of Trade: Corn, Oats, Wheat, Soybeans, Rice, Soybean Meal, and Soybean Oil.

There are similar grain products that trade around the world: Minneapolis, Winnipeg, Hong Kong, Brazil and India to name a few.

Corn
Corn is used not only for human consumption, but also for feed for livestock such as cattle and pigs. Also, higher energy prices have made people look at utilizing corn for ethanol production.

The corn contract is for 5,000 bushels or roughly 127 metric tons. For example, when corn is trading at $2.50/bushel, the contract has a value of $12,500 (5000 bushels x $2.50 = $12,500). A trader that is long $2.50 and sells at $2.60 will have made a profit of $500 (2.60 – 2.50 = $0.10, $0.10 x 5000 = $500). Conversely, a trader who is long at 2.50 and sells at 2.40 will have lost $500. So every penny difference equals a move up or down of $50.
The pricing unit of corn is dollars and cents with the minimum tick size of $0.0025, (quarter of a cent), which equals $12.50 per contract. Although the market may not trade in smaller units, it most certainly can trade in full cents during ‘fast’ markets.

The most active months for corn delivery are March, May, July, September, and December.
Position limits are set by the exchange to ensure orderly markets. A position limit is the maximum number of contract a single participant can hold. Hedgers and speculators have different limits. Corn has a maximum daily price movement of 20 cents, up or down.

Corn traditionally will have more volume than any other grain market. Also, corn will be less volatile than beans and wheat.

Oats
Oats are not only used to feed livestock and humans, but are also used in the production of many industrial products like solvents, and plastics.

An oats contract, like corn, wheat, and soybeans is for delivery of 5000 bushels. It moves in the same $50/penny increments as corn. For example, if a trader was long oats at $1.40 and sold at $1.45, they would have made 5 cents per bushel or $250 per contract (1.45 – 1.40 = 5 cents, $0.05 x 5000 = $250).
Oats also trades in quarter cent increments.

Oats for delivery are traded March, May, July, September, and December like corn. And like corn, oats also has position limits. The maximum price movement of oats is 20 cents.

Oats is a difficult market to trade because it has less daily volume than any other market in the grain complex. Also it daily range is fairly small.

Wheat
Not only is wheat used for animal feed, but also in the production of flour for breads, pastas, etc..

A wheat contract is for delivery of 5000 bushels of wheat. Wheat is traded in dollars and cents and has a tick size of a quarter cent, like much of the other products traded at the CBOT.

The most active months for delivery of wheat according to volume and open interest are March, May, July, September, and December. Position limits also apply to wheat. The daily price limit for Wheat is 30 cents.

Next to soybeans, wheat is a fairly volatile market with big daily ranges. Since it is so widely used, there can huge daily swings. When I was working on the floor in the grain, it was not uncommon to have one piece of news move this market limit up or down in a hurry.

Soybeans
Soybeans are the most popular oilseed product with an almost limitless range of uses from food to industrial products.
The soybean contract is also traded in the 5000-bushel contract size. It trades in dollar and cents, like corn and wheat, but usually is the most volatile of all the contracts. The tick size is one-quarter cent (or $12.50) like the other contracts.

The most active months for soybeans are January, March, May, July, August, September, and November.
Position limits apply here as well. The maximum price limit for beans is 50 cents.

Beans have the widest range of any the markets in the grain room. Also, generally it will be two to three dollars more per bushel than wheat or corn.

Soybean Oil
Besides being the most widely used edible oil in the US, soybean oil has uses in the bio-diesel industry that are becoming increasingly important.

The bean oil contract is for 60,000 lbs., which is different than the rest of the grain contracts. Bean oil also trades in cents per pound. For example, let’s say bean oil is trading at $0.25 per pound. That gives a total value for the contract of $15,000 (0.25 x 60000 = $15,000). And let’s say you go long at $0.2500 and sell at $0.2650; you have made $900 ($0.2650 – $0.25 = $0.015 profit, $0.015 x 60000 = $900). If the market had gone down $0.015 to .2350, you would lose $900.

The minimum price fluctuation for bean oil is $0.0001, or one one-hundredth of a cent, which equals $6 per contract.
The most active months for delivery are January, March, May, July, August, September, October, and December.
Position limits are enforced for this market as well. 2 cents is the price limit for bean oil.

Soymeal
There are numerous uses for soymeal that such as baby food, beer, and noodles. Soymeal is the dominant protein in animal feed.

The meal contract is for 100 short tons or 91 metric tons. Soymeal is traded in dollars and cents. For example, the dollar value of one contract of Soymeal, when trading at $165 per ton, is $16,500 ($165 x 100 tons = $16,500).
The tick size for soymeal is $0.10 cents or $10 per tick. For example, if the current market price is $165.60, and the market moves to $166, that would equal a move of $400 per contract ($166 – $165.60 = $0.40, $0.40 x 100 = $400).

Soymeal is delivered on January, March, May, July, August, September, October, and December.
There are position limits on this contract as well. The daily price limit for Soymeal is $2.

Rice
Not only is rice used in foods, but also in fuels, fertilizers, packing material, and snacks.

The rice contract is 2,000 hundred weight (cwt) or hundred pounds. Rice is also traded in dollars and cents. For example, if rice is trading at $10/cwt, the total dollar value of the contract would be $20,000 ($10 x 2000 = $20000).
The minimum tick size for rice is $0.005 (one half of a cent) per hundred weight, or $10 per contract. For example, if the market was trading at $10.05/cwt and it moved to $9.95/cwt, that is a change of $200 (10.05 – 9.95 = $0.10, $0.10 x 2,000 cwt = $200).

Rice is delivered in January, March, May, July, September, and November.
Position limits apply in rice as well.

The daily price limit for rice is 50 cents.

Hedgers and Speculators
The primary function of any commodity futures market is to provide a centralized marketplace for those who have an interest in buying/selling physical commodities at some time in the future. There are a lot of hedgers in the grains markets due to the many different producers and consumers of these products. These include but are not limited to soybean crushers, food processors, grain and oil seed producers, livestock producers, grain elevators, and merchandisers.

Using Futures and Basis to Hedge
The main premise upon which hedgers rely is that although the movement in cash prices and futures market prices may not be exactly identical, it can be close enough that hedgers can lessen their risk by taking an opposite position in the futures markets. By taking an opposite position, gains in one market can offset losses in another. This way, hedgers are able to set price levels for cash market transactions that will take place several months down the line.

For example, let’s consider a soybean farmer. While their soybean crop is in the ground in the spring, the farmer is looking to sell his crop in October after harvest. In market lingo, they are long a cash market position. The fear for the farmer is that prices will go down before they can sell their crop. In order to offset losses from a possible decline in prices, the farmer will sell a corresponding number of bushels in the futures market now and will buy them back later when it is time to sell the crop in the cash market. Any losses resulting from a decline in the cash market price can be partially offset by a gain from the short in the futures market. This is known as a short hedge.

Food processors, grain importers, and other buyers of grain products would initiate a long hedge to protect themselves from rising grain prices. Since they will be buying the product, they are short a cash market position. They would buy futures contracts in order to protect themselves from rising cash prices.

Usually there will be a slight difference between the cash prices to the futures prices. This is due to variables such as freight, handling, storage, transport, and quality of the product as well as local supply and demand factors. This price difference between cash and futures prices is known as basis. The main consideration for hedgers concerning basis is whether it will strengthen or weaken. The final outcome of a hedge can depend on basis. Most hedgers will take historical basis data in consideration as well as current market expectations.

In general, hedging with futures can help the future buyer or seller of a commodity because it can help protect them from adverse price movements. Hedging with futures can help to determine an approximate price range months in advance of the actual physical purchase/sale. This is possible because cash and futures markets tend to move in tandem, and gains in one market tend to offset losses in another.

Buy Cialis Online For The Most Effective ED Treatment

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An Overview About ED
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Safety
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Cialis’ Effectiveness
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The price of The Drug
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Gainscope Details Agreement With Non-Dealing Desk Forex Broker FXDD

FOR IMMEDIATE RELEASE

SURABAYA, Indonesia — Gainscope, a top foreign exchange (forex) trading platform, announced the details of its non-dealing desk arrangement with New York-based forex firm FXDD. Under the agreement, Gainscope clients will enjoy access to the tighter spreads and reliable, fast execution typical of non-dealing desk forex transactions, allowing them to produce greater gains and be confident that their trades will go through. FXDD is one of the world’s leading providers of forex trade fulfillment, and Gainscope boasts a fast, reliable, online platform that allows clients to trade forex and commodities like gold and silver.

“We’re proud to detail our non-dealing desk agreement with the highly respected forex broker FXDD,” Gainscope representative Mr. Sutanto said, “Instead of finding themselves at the whims of dealers and market makers, Gainscope FXDD clients will enjoy the transparency and attractive spreads only a neutral, non-dealing desk can provide. We are committed to continually improving our industry-leading forex trading platform here at Gainscope, and this latest development is one important reflection of this fact.”

With trillions of U.S dollars changing hands every day, global forex trading amounts collectively to the single most common investment activity of all. Much of what happens around the world is the product of the profit-seeking of foreign exchange desks at banks of all sizes. With these banks looking for a revenue-generating edge with every trade they make, individual investors who end up dealing with them can find their own profits slipping away.

One alternative is what is known as a “non-dealing desk” for foreign exchange trade. Instead of trying to arrange advantageous terms for trades that such a broker has a direct interest in, trading desks of this kind simply match up buyers and sellers of particular currencies. That can lead to individual investors receiving more attractive pricing on their trades, a fact that will add up to larger profits over time. It also means that investors can typically be assured that their trades will go through when entered with appropriate terms, since they do not need to rely on matching up with the desires of a single trading partner.

Gainscope’s arrangement with non-dealing forex broker FXDD will therefore be of great value to the company’s clients. As one of the leading online Forex Trading companies, Gainscope works to continually raise the bar as to what its clients can expect, as this development shows. Those interested in learning more about Gainscope or signing up to use the company’s trading platform can do so at its website, with a free demo account option also being available.

About Gainscope:
With powerful, rock-solid tools, accessible educational resources, and more, Gainscope offers an industry-leading forex and commodities trading platform that makes it easier for traders of all levels to seek out and secure returns.

Media Contact:
Mr. Sutanto
Surabaya, Indonesia
Telephone: +62-855-3026878
Email: Info@gainscope.com
Website:

Source: http://investor.europesun.com/bnn.europesun/news/read/30834669

Making Decisions Key to Business Growth

In the past week, I’ve had to make some key decisions. Some were surrounding life, some around money, others around business. What I realized is that each decision shapes my future. Let me walk you through some of these decisions and how it impacts my life now and in the future.

Last week I spoke at a seminar at the Public Library. While the Adult Programmer was setting up the computer and overhead, the laptop she was using started to count down to restart since updates had been installed. The computer said it would restart in 16 minutes, and when I checked the clock there was 26 minutes before the speaking engagement would start. Looked like it would have 10 minutes to spare, so the decision to let it restart (and we tried to hit ‘cancel’ which it wouldn’t do). As time came for the event to start, the laptop still hadn’t restarted. Obviously the computer’s 16 minutes and my 16 minutes were two different amounts of time. As a backup, we had our laptop booted up and ready to go.

Now I could have said, “to heck with it” and not used the PowerPoint presentation I had prepared. And I would have been fine with that. But I did recognize that when speaking to Adult Learners, a variety of learning styles are typical with a group, so it was important to me to provide learning to each of the styles.

The weekend brought about another decision. We were going to go to the cottage at the Lake, hoping for a quiet weekend where we would be cutting grass, preparing flower beds, and taking note of what needs to be done this year for repairs. Our daughter Melanie and our son Jordan were going to the Lake as well, so it would be a fun, relaxing weekend. One where tasks were completed quickly, suntanning and reading books would be the order of the day.

By Friday, the weather was forecasting rain and snow, so it was a debate on whether to go or to stay home. Melanie decided to stay at her home, which then left us to decide. Jordan had a different commitment come up, so he decided he wouldn’t go. Greg and I considered going, but since we couldn’t get the yard work done that we wanted to, we too decided to not go. It ended up raining and snowing a small amount, but we managed to get some things done around home.

With the extra time at home, I also managed to squeeze in some work time, following up with a few people, connecting with others I hadn’t spoken with for quite some time. Each interaction was a decision to pick up the phone, create an email, or send a letter or note.

I also began arranging meetings for the upcoming week when I travel to Winnipeg. Melanie and I will be attending Stars on Ice Thursday evening, so while I’m there (and she’s at work), I’ll meet with people to build my business. Again, I made a decision to maximize my time while enjoying time with our daughter.

We also received an opportunity to invest in some stocks at an Initial Public Offering price. The stock’s price has risen dramatically, so we’re fortunate to have the opportunity to invest. Although past performance is not a guarantee of future income, we’re arranging funds to be able to invest an amount that is right for us.

So you see, every day and in many ways, the decisions we make today impact our current life and our future life. The amount we invest could affect our future for the positive or negative. The decision to meet with people while I’m in Winnipeg could impact our income and future business.

My business is taking some new directions in the upcoming months. Be sure to keep reading to see exactly what they are. Next week I’ll be in Connecticut with my mentor, Fabienne Fredrickson, brainstorming with one of my Virtual Assistants, Sharon to up-level my business. I can’t wait to see all the changes and new directions we implement upon our return.

Oh, yes. About that laptop that was rebooting? Good news. It restarted and was booted up right on time (with less than a minute to spare… whew!). Looks like the decision to let it reboot worked well.

Your Assignment:

Write down what decisions you need to make: in the next 24 hours? In the next week? What about next month? Each decision you make will affect future decisions, so take some time to make sure you’re OK with the decisions you’re making, whether consciously or unconsciously.

Get a Head Start in Business With Your Own Franchise

Would you like to go into business for yourself, but are not sure where to start? Many franchising opportunities exist that will give you a head start and also provide help in building your own business. If you are ready to work for yourself and have the drive and desire to succeed, here are some great franchising opportunities for you to choose from!

Top Franchises in 2008:

1. 7-Eleven: Named the top Franchise of the year, this company will provide you with support and training. Fees and Costs may vary, but the company provides great marketing and national exposure. For further information, call (800) 255-0711.

2. Subway: With a nationally recognized name, this sandwich shop is a great opportunity for those looking to own their own business. Fees are approximately $15,000 and you can expect to invest between $80K -$310K to open your own store. Please call (800) 888-4848 for further information.

3. Dunkin Donuts: If you are looking for a more moderate investment, consider starting your own Dunkin Donuts shop. Fees and Costs will range from 40K-80K, but will give a great return on investment. For more information please call (781) 737-3000.

If you desire to find great franchising opportunities, but are dealing with a limited income, here are some ideas to consider!

1. Liberty Tax Service: Known as one of the fastest growing businesses, Liberty Tax Service provides a proven success format. Fees and Costs will range from $53K-67K.

2. Closetmaid: If you enjoy helping people to get organized, consider Closetmaid. Learn to design, sell and install custom closets. Fees and Costs are moderate at up to a $25K investment. Business can be run from home and materials are easy to assemble. Company provides a one week intensive training program as well as extensive start-up materials.

3. Coffee News: Does the thought of running your own newspaper interest you? Check out Coffee News! Originating in 1988 in Winnipeg, Manitoba (Canada), you will be given your own territory and be able to reap the benefits of a popular newspaper. Place your product in restaurants, motels, beauty shops, etc. Company provides great support and training. For more info, please visit coffeenewsusa.com/

4. PaintBull: Are you looking for a business with minimum investment and a turn-key proven system. PaintBull is your business. Start up costs can be as little as $5K and the company will train you from the start. They offer a great apprenticeship program and follow-up support. PaintBull also offers a financing plan and can be run from your home. For further information, go to paintbull.com.

These are just a few ideas of franchising opportunities to choose from. Running your own business can be very gratifying and rewarding. Just because you have to work doesn’t mean you shouldn’t enjoy what you do. With all the businesses available, you are sure to find something that will make you successful.

Managing a Flower Shop in the New Milenium: the Changing Floral Marketplace

I have been working in and around local flower shops for close to ten years. My Sister-In-Law has been a florist for almost 15 years, and 5 years ago, my fiance and I became the newest Winnipeg Florist, in a different area of Winnipeg. Anyone who is close to a florist will know that holidays like Valentine’s Day and Mother’s Day require an elevated level of staffing a delivery drives, so I had the opportunity to witness the mayhem first hand. Having been exposed to the florist business over these years, I have witnessed some major changes in the market.

Going even further back, before getting involved in the flower business, even as soon as the late 90’s, flower shops were fairly typically a local business. Mom and Pop type stores run by families or groups of friends that spent a great deal of time building their clientele by providing good service to their usual customers. With the exception of some of the larger florists and franchises, most of the marketing was done by word of mouth and through the expectation that you could go to your local florist and have a chat with them while they got your order ready, and if you spent some time there, they may even know the names of your kids or ask how your spouse was doing. Very friendly, “down home” types of atmospheres.

During this time, consumers also had access to wire services like FTD and Teleflora. These types of services have been around for almost 100 years, and started as a legitimate way for florists to connect with each other and send and receive orders from other areas of the country and subsequently, the world. During the 90s this all changed. Telephone services became a way for affiliate marketeers to advertise outside of their own area with local phone numbers that are forwarded to call centers somewhere else. These orders are then fulfilled by local florists who subscribe to the wire services, leading to a reduced market share for other local florists, and highly reduced profit margins and quality from the fulfilling florist.

Now in the late 90’s comes the Internet with a roar. While the wire services like FTD are still around, the Internet now created a new market for both the wire services and the local florists. Now a flower shop could be found world wide. You live in Australia and want to send Valentine’s Day flowers to your Sister in Holland; No problem! Just search online and you could find a great deal of flower shops that could send them whatever you need. In fact, during certain times of the year, like Valentine’s Day and Mother’s Day, “flowers” will often hit top 10 search rankings in the world!

You may be thinking, wow that’s great! “I have just expanded my market from 700,000 people here in Winnipeg to over 6 Billion around the world!” The Internet is truly astounding in this way isn’t it, but read on…

In the beginning, this market was also dominated by the wire services and continues to be dominated by both wire services and order taking affiliate sites. Gradually the concept is catching on with real local florists, and with a global market, you can find literally thousands of ways to send flowers online. That’s right, thousands! How many of those thousands of ways to send flowers online link back to your store? How many link to wire services and order takers who take a 20%-30% cut of the consumer’s order to take a phone call and send a fax to the fulfilling florist? Who has the means to do it? Just type in the keywords, send flowers in Winnipeg, and you will see the results in the sponsored links. (Try your own city)

I recently heard some stats about Internet shopping that may astound you. Over the 2007 Christmas holidays, consumer spending in the brick and mortar retail world stagnated or maybe even slightly declined, while Internet shopping went up a whopping 25%. With the ever expanding Internet market and ever decreasing standard retail market, locals florists, along with all other retail businesses MUST have an online presence or at least have a plan to do it.

The really good news is that while we local florists may be somewhat behind the times when it comes to eCommerce web sites and a strong Internet presence, the Internet is no longer only available to rich and powerful corporations. There are many ways for local florists to get online and in direct contact with the consumer, where they should be.

The Kenny Chesney News Letter Issue #4

In This Issue (19 Sep 06)

1. Don’t miss Kenny on these upcoming specials.

2. Kenny’s Radio Promo

3. Who had the biggest 1 day concert draw for 2006?

4. Where is “You Save Me” this week?

5. Learn Kenny Chesney songs

6. “Do you Google”?

7. Kirbys Favorite Computer Tips Report

8. A Computer Tip Before We Go

9. Your suggestions

=========================

1.
So what’s upcoming for Kenny? Plenty! GAC will be airing a special on Sat 16th Sep 06 showcasing Kenny’s Vibe Room. This is an area Kenny and his band gather to perform their pre-concert rituals. Watch for this special on GAC at 9pm eastern. The “Kenny Chesney Live” CD hits stores on the 19th Sept 06. Also look for Kenny to make appearances on “Regis & Kellie” as well as the Fox Network’s “Best Damned Sports Show” on September 20th and on “The Tonight Show with Jay Leno” on 21st Sep 06. Yep, a busy month for Kenny after a very busy concert season.

2.
Don’t be surprised if you hear a little more of Kenny than usual over the next week or two as promotions are in full swing for his live CD. You’ll be hearing cuts from the live CD on radio stations across the USA between the 15th and 24th of Sep 06. There will also be exclusive interviews from close friends of Kenny’s as well as special audio cuts for this promotion.

3.
Although it took two of country’s big names to unseat Kenny as the top grossing country act (Tim and Faith raked in $89 million this year), Kenny still showed who could draw the most money at a single event. Here are the numbers according to Billboard Boxscore as of 29 Aug 06 for the top 10 North American Concert Grosses.

a. $3,408,357. Kenny Chesney, Gretchen Wilson, Dierks Bentley, Carrie Underwood, Blaine Larsen, Jake Owen. Ford Field. Detroit, Mich. Aug. 26.

b. $2,805,010. Tim McGraw & Faith Hill. U.S. Airways Center. Phoenix, Ariz. Aug. 25-26.

c. $1,366,244 ($1,598,506 Canadian). Dixie Chicks, Bob Schneider. MTS Centre. Winnipeg, Manitoba. Aug. 19-20.

d. $1,014,580. Tom Petty & the Heartbreakers, The Allman Brothers Band, Derek Trucks Band. Saratoga Performing Arts Center. Saratoga Springs, N.Y. Aug. 13.

e. $1,001,360. Tom Petty & the Heartbreakers, The Allman Brothers Band, Derek Trucks Band. New England Dodge Music Center. Hartford, Conn. Aug. 12.

f. $979,702. Mariah Carey, Sean Paul. Wachovia Center. Philadelphia, Pa. Aug. 11.

g. $967,783. Kenny Chesney, Dierks Bentley, Carrie Underwood. Quicken Loans Arena. Cleveland, Ohio. Aug. 24.

h. $943,375. Tom Petty & the Heartbreakers, The Allman Brothers Band. Darien Lake Performing Arts Center. Darien Center, N.Y. Aug. 15.

i. $916,738. Tom Petty & the Heartbreakers, The Allman Brothers Band. Post-Gazette Pavilion at Star Lake. Burgettstown, Pa. Aug. 16.

j. $888,875. Steely Dan, Michael McDonald. Nikon at Jones Beach Theater. Wantagh, N.Y. Aug. 17.

As you can see, Kenny had two out of the top 10 top grosses for 2006.

4.
You Save Me still climbs the Billboard charts this week, currently sitting at No.12 on the Hot Country Songs Chart.

5.
If you’re a guitar player and have been wanting to learn Kenny songs on the guitar, there are currently 20 + video tutorials available on my site, with a few new additions coming in the remainder of this month. Major software glitches had me on hold this past week, but I think my problems are now resolved.

6.
“Do you Google”? If so, here is a tip for you.
If you want to find quality information about people on the web, the Google directory is a great source to use. Check out this link, bookmark it, then poke around and see what you’ll discover.
http://directory.google.com/Top/Arts/People

7.
I have most of “Kirbys Favorite Computer Tips Report” complete, but because of issues beyond my control since the last issue, I’ll need a bit more time to get this to you. You’ll see a huge improvement in the speed of your computer after you finish checking off these favorite tips of mine. I apologize for the delay, but it will be worth the wait I promise. I’ll be posting this .pdf file as a free download in the next issue of this newsletter.

8.
A Computer Tip Before We Go – Here is something you can check. When your computer is just sitting idle and staring back at you with no programs running. The CPU (the processing chip on your motherboard inside the computer) should be at near total rest. To check and see just how hard your CPU is working, do the following.

Right Click on your task bar (that bar along the bottom of your screen where the Start Button sits). By right clicking I mean hover your mouse over a blank area (try right next to the Start Button itself) and click the right mouse button. When the menu pops up, left click on Task Manager.

Now click on the Tab that says Performance. Don’t move your mouse. Just watch the CPU Usage number for 10 or 20 seconds. It should be reading around 1-2%, with the odd jump up to 10% and then back to 1-2%. If that number is at a steady 20-30-40% or more, and you have no programs launched, what does that tell you? It says you have programs running that you should not have running and they are stealing your CPU resources from you. Your computer is already working before you even sit down to do anything. A sure sign of virus activity.

Click on the Applications Tab to see if any obvious applications are running. And if you click the Process Tab, then click on the word CPU and sort highest to lowest, you’ll see the CPU Idle time. It should be reading 98-99% idle for most of the time. If it does not show a high idle time in %, you likely have virus activity or spyware activity.

Have no fears because my report next issue will give you the tools you need to take care of that problem, and many others.

9.
And as always, if you have any suggestions, I’m listening. Reach me through the Contact Me link.

Til next time.

Goal posts galore at Peter Miranda Sports

Soccer is fast gaining in popularity in Adelaide and people love to play it as it is an easy game to pick up — all that is needed to start playing is a ball and a field. However once you begin to enjoy it and take it more seriously, the best place to have a game is on a proper pitch with goal posts and line markings.

There are many soccer clubs sprouting in Adelaide due to the popularity of the sport. They provide training grounds for people to hone their skills as well as take part in community and neighbourhood league games.

Peter Miranda Sports has latched on to the soccer wave currently sweeping over the country and has been providing professional soccer training ground and field equipment for many years to clubs in Adelaide as well in other parts of Australia.

When you intend to buy soccer goal posts and soccer nets in Adelaide, Peter Miranda sports are the undeniable leaders in the area. The company manufactures its own soccer goal posts according to ACCC safety standards so you can be assured that you will be getting a premium product at competitive prices.   

The company has a new range of aluminium soccer goals as well as other types of soccer goal posts that are tough and durable. The new soccer goal posts are manufactured with the best quality aluminium so that it can withstand even the most robust of treatments during a game. These aluminium soccer goals are supplied with ground sleeves, steel reinforced spigot, off season dust caps for ground sleeves and uprights.

The company also has soccer goals that are portable. These portable goals are tough yet light and flexible enough to be transported to any place at any time. These portable soccer goals come with soccer nets and allow you to train as well as play the game on any field that is available. 

But in the end, it doesn’t matter what kind of soccer goal post you are looking to get – Peter Miranda Sports have a wide variety to meet your requirements. And the best of all is that, all the soccer goal posts from this company are built using the best quality material and adhere to the highest standards in terms of durability and safety.

Purchase a soccer goal post from Peter Miranda Sports and you will be sure to have a quality product that will last you a long time and it will do wonders in terms of lowering the total cost of ownership. 

Does the NHL Still Cater to Canadians?

One question continuously pops through the minds of all hockey fans in Canada; what does the NHL have against our country? The strategy of expanding to the American south has been proven over and over to have been a failed opportunity because the market is not there. Americans in many of the southern states simply don’t care about hockey; arenas are consistently seen at least half empty even with ticket prices so low they’re practically given away. Despite this the league insists on keeping afloat teams that are barely treading water down there even with the league’s own money in Phoenix’s case, where the argument can be made that Gary Bettman has looked under every rock and behind every cactus to keep that team in the desert.

This is something every Canadian struggles to reconcile. Hockey is our sport; it was first played here, first developed into an organized sport here, catered to fit the culture and lifestyle of its home country, and the NHL was originally founded with six teams centred entirely around Toronto and Montreal. Since then the league has expanded and become a group of thirty with only six now remaining at home. Until the mid 90’s there were still eight teams based here at home; the final two the Quebec Nordiques were moved to Colorado where a great rivalry with Detroit was formed, and the Winnipeg Jets were moved to Phoenix where it never took off and now is in desperate bankruptcy. These are the moves that have taken the quantity of teams in the NHL away from Canada but the heart of the league still remains here no matter what the league may try to do. The six Canadian teams consistently draw some of the highest crowds in the league and generate some of the highest revenues in a country that is ten times smaller compared to where twenty-four teams are located.

We as Canadians have been insisting another team be brought back home, even more than one as we know we can easily sustain them. There have been businessmen who have tried to stand up for Canada and make a move to bring a team back home and consistently have faced the wrath and rejection of the league. We all remember Jim Balsillie making his attempt to get the struggling Coyotes out of Phoenix and into Hamilton where the market would easily make the team one of the most profitable and begin a rivalry with Toronto that could be one of the greatest in the league. Now looking back on it with fresh eyes, Balsillie’s approach was not the smartest move for a guy wanting to be part of a club where the other members have to vote him in. Attacking the league’s credibility is not the way to go about gaining a franchise and although his money was desperately needed to save the league from coughing it up themselves, it’s understandable why Balsillie was rejected.

Now since then the league has relented slightly and very reluctantly on the ‘no expansion back to Canada’ stance. Two years of running the Phoenix Coyotes and still having the team losing 30 million each year; plus the Atlanta Thrashers’ owners desperately looking to sell, the Columbus Blue Jackets announcing 25 million in losses, the Dallas Stars in question, the New York Islanders and Florida Panthers struggling, all of this adds up. Businessmen have walked away from completing the purchase for Phoenix because the terms and conditions in Phoenix are something no business person wants. The other teams are also in markets where a business person’s goal to make money and understanding of market availability means deals are unlikely to be done there either. Phoenix looked like it was a dying dog on its last leg but there was one ace up Gary Bettman’s sleeve; the city of Glendale actually owns the arena the Coyotes play in and if they leave, that arena sitting empty costs millions more for the city. So they were willing to ante up another 25 million to cover operating losses for another year while the league works again to find an owner who is intent on keeping the Coyotes in the desert.

So what does that mean for Canada and the potential of bringing home another team? Well that’s still up in the air. But one thing is in our corner; the owners of the Atlanta Thrashers want to sell and have had it with losing money. If they can find a local buyer they would keep the team in Atlanta but none have come forward and so they are willing to sell to anyone who wants to relocate. Also, the Atlanta politicians are not invested in the team the way the Glendale city council is with the Coyotes so if the league has a problem with the Thrashers being sold, they’re on their own this time. Good news for Canada, the front-runner is David Thomson one of the major investors in True North Sports and Entertainment in Winnipeg hoping to bring a team back home to Winnipeg. Bettman denies any deal exists and that’s probably true since that is the last thing he wants but even he isn’t able to step in for Atlanta or any other team the way he has with Phoenix. It’s still a long shot but by fighting tooth and nail Canada may get another team to call our own.

With each passing day it seems unofficially that Winnipeg will end up with a team for the 2011-2012 season despite the NHL’s reluctance to confirm those unofficial ‘speculations’. But the reality of the league’s situation in the States may force them to finally admit they see what we Canadians all see; Canada deserves another team, even more than just one but we’ll take what we can get. Hockey flows through our veins like the blood that pumps us up during a game; it’s something that we can inherently call our own, a trademark of Canada that calls out for other teams to cheer on as our own. The league’s focus may be on expanding into America but the league will never take away the heart of the game. Phoenix may be staying put for at least another year but Atlanta is running out of time; the schedule for next season already has two drafts one with Atlanta and one with Winnipeg. The league can deny a deal is happening all they like, their actions show it’s much more likely Canada is getting a seventh team sooner rather than later. Let’s hold our collective breath Canada; we’re rolling the dice and lucky number seven should be coming up.

Affordable Pennsylvania Car Insurance

Pennsylvania Auto Insurance The victim of your accident that car insurance rates occurred outside The state who is entitled to the compensation provided for within this title will benefit by it while retaining his rights of action regarding the extra underneath the law with the place where the accident occurred. This won’t produce a right of action to get a Hawaii resident. It merely permits the payment of no-fault benefits even if the victim is able to recover in tort in another jurisdiction. Whether or not the action is maintainable elsewhere is dependent upon the law, including conflict of law rules, within the jurisdiction in which the tort action is brought.

In Moritt v. Essiembre,13 for instance, Their state residents injured in an automobile accident in New Brunswick were denied tort recovery in New Brunswick against a fresh Brunswick defendant. The court based its waiting on hold an area inside the New Brunswick Motor Vehicle Act which provides. Besides statutory rules similar to this, the courts have applied conflict of law rules derived from case law. These involve rules compare auto insurance about jurisdiction leading to choice of law. A court could have jurisdiction to listen to a case when the facts satisfy the relevant rules of procedure and the court is not pursuaded from the defendant that it’s not probably the most convenient forum.  In Eades v. Hamilton,11 the plaintiff was obviously a The state resident injured in an accident within the state caused by the negligence of another The state resident. The only real experience of Their state was that the car driven by the defendant was owned by an Hawaii resident. In the circumstances, hawaii Court held how the state could not possibly be the forum conveniens. Compare rates now thanks to Carinsuranceinpennsylvania.org!

Once a court has accepted jurisdiction, it applies the right selection of law rule. It is often consistently held in The state this will be the rule established for tort cases auto insurance quotes in McLean v. Pettigrew.  The test is the conduct with the defendant has to be actionable in line with the law of the place the location where the action is brought rather than justifiable from the law of the place where the tort occurred.  Conduct isn’t justifiable when it is either actionable civilly or punishable within a criminal or quasi-criminal statute. If these the weather is met, legal court usually applies what the law states from the forum.

Be sure to check out the state’s wikipedia profile for additional info.