Joe L


My girlfriend and I have already had *** before, so her cherry is popped but sometimes when I pleasure her with my fingers she starts to bleed. Why is this? Is this really unhealthy and not normal?

John Davenport




If you wish to become a fitness model you need to know how to workout in the right way. Fitness model workouts follow certain principles which you need to follow if you plan to ever have any success in this field. To be a fitness model you need to have a perfect body. Having too much fat is destructive. However, having too much muscle is also forbidden since the bulky look is definitely not what magazines are looking for. It’s just not considered that attractive.

So, you’re looking for the lean, elongated, toned look, and not the bulky look. This is a huge mistake which many fitness model wannabes make: becoming too bulky.

In order to get that lean look your workouts need to be comprised of 3 parts:

1. Cardio – I guess you already knew that, but the how is the important thing. Your cardio workouts need to be targeted to achieve the most fat loss. That’s why the best cardio fitness model workouts are interval workouts. You’re going to be spending enough time at the gym already. Don’t waste it on long cardio. Make your workouts short and intensive. This will cut the fat right off and leave you lean all over.

2. Resistance workouts – This is weight training and body weight training. You see I’m not mentioning machines here since they are a big no-no for fitness models. Weight training or body weight training is better than machines for a number of reasons: it gives better results, it is safer, and it is healthier. Again, you need to stand out of the crowd. Fitness model exercises are not done on machines if they can be done with free weights. Remember that.

3. Stretching – Most people don’t do stretches but you need to. First of all, being flexible will allow you to compete better. Second, it helps you achieve that elongated look to your muscles. Third, it is very healthy and reduces the risk of injury. Don’t neglect this part of the workout. It is crucial.

Now that you know the principles of a good fitness model workout, all you need to do is apply it.

Alan


My girlfriend is having a sleepover with her best friend, who is my best friend’s girlfriend, and we would like to scare them. They get frightened pretty easily, and we don’t want to do anything horribly cruel, but we think it would be funny to pull scary prank on them. Any ideas? Thanks!

V P Singh


INTRODUCTION

Addressing to the Indian Economic Summit’s session, on Tuesday, the 18th of Nov. 2008, the State Minister of Industry, Mr. Ashwini Kumar declared that Rs 500 billion would be invested by the Central Government with public-private partnership in infrastructure pertaining projects. According to him this investment would lure demand to boost economic growth. In the prevailing time when Indian economy is under threat of the entrance of world depression 2008, such type of a big dose of investment in infrastructure is desirable to barricade against the entering depression. But, the private partnership may hamper the way of receiving the desired results.

INDUCED INVESTMENT

When talking about investment, it is categorized as the induced investment and the autonomous investment. Induced investment is that investment which is induced by profit motive in a free enterprise capitalist economy. It produces commodities and thereby it can be termed as ‘directly productive investment’. Establishment of a productive unit which produces consumption or capital goods comes under the category of the directly productive investment. It changes with a change in (national) income that is why it is also called income elastic investment. Induced investment is incurred especially to produce larger output.

AUTONOMOUS INVESTMENT

On the other hand, the autonomous investment is the investment which is not induced by profit motive. It is not sensitive to changes in income. It is also known as public investment and is incurred in direct response to inventions and much of the long range investment which is only expected to pay for itself over a long period. Autonomous investment is generally associated with such factors as introduction of new production techniques, new products, development of new resources or growth of population. Autonomous investment generates favorable environment for production. An autonomous investment is never profit motivated and that is why it is always suggested to be undertaken by government instead of private investors. Autonomous investment does not directly produce goods. It creates external economies whereby the cost of production sustained by the producing firms is lowered. Thus, their profit is increased whereby the firms are induced to produce more. In this way the autonomous investment indirectly helps to increase production. Moreover, autonomous investment generates general utility services to the general public which they can’t afford to purchase.

DUAL INVESTMENT

Autonomous investment is autonomous only to the extent it is free of profit. If this investment is made by private investors they can’t help earning profit. Therefore, the producers will have to pay for the external economies and the general public will have either to go without the generated general utility services or will be exploited for they will have to pay high to avail the services. Thus, in a developing economy where cost of production is high, general mass is poor and markets are undeveloped the autonomous investment will lose its importance if given in private hands. In this way, autonomous investment is made of two different portions. One is that which can never be given in private hands irrespective of the fact whether the economy is developed or developing. Therefore, this portion of autonomous investment is a true autonomous investment. The investment incurred in the projects pertaining to national security, law and order maintenance, international relations, world peace, general governance, epidemics eradication, general health, poverty alleviation, public welfare etc. comes under this type of autonomous investment. The remaining portion of autonomous investment is that which can be (and is generally) given in private hands in a developed economy. In a developed economy sufficiently a high level of income is achieved, the distribution of income is almost equal, market is extended and developed, general poverty stands alleviated and cost of production is quite low on account of capital based modern technology. Hence, the producers can easily pay for external economies and people can pay for many of the general utility services. Therefore, in a developed economy, the portion of autonomous investment to be incurred in the projects like road transport, construction of highways, construction of bridges, power and electricity, civil aviation, sea transport, education etc. can be (and generally is) given in private hands. This portion of autonomous investment, being however similar to the previous one (above said true autonomous investment) in a developing economy, but thus becomes profit motivated and is converted into induced investment in a developed economy. In other words, this portion behaves as autonomous investment in a developing economy but is converted to and starts behaving as induced investment in a developed economy. Therefore, this portion of autonomous investment can be regarded as the convertible investment or the dual investment.

CONCLUSI ON

            The above  concludes that investment can be categorized as the autonomous investment, the dual investment and the induced investment. The autonomous investment should be exclusively incurred by the government in both the developed and the developing economies and, similarly, the induced investment should be incurred by private investors in both the economies. As regards to the dual investment, it should be incurred by government in a developing economy and by private investors in a developed economy. However, a partnership of government and private investors may be desirable in case of the dual investment if the economy has entered into the stage nearest to the full development. It is similar to the case of the partnership of government and private investors in induced investment in early stages of development in a developing economy. The Indian economy seems to have travelled though a long on the development path but it has not so far achieved such a high stage of development which may allow private hands to participate in the dual investment. General poverty still persists there, income distribution is highly unequal, technology is not fully capital based, cost of production is high, and much more. Therefore, the dual investment in Indian economy still needs to be incurred exclusively by the government. Therefore, the partnership of government and private investors in case of the declared investment worth Rs 500 billion, referred to in the beginning hereof, is not desirable. The loss to the producers and the poor general mass on account of so far brought about privatization of the past is not a latent fact. All the same, if the government somehow feels itself helpless to desist from accepting the partnership, it must not at all allow it beyond the dual investment. In more clear words, the Government of India must keep the (true) autonomous investment fully intact from the private partnership and may allow the partnership in the dual investment but only to a limited extent if the partnership can not be fully abandoned.

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roxy girl


My marriage has been very bad for a long long time. I am thinking I want to leave with the children (I would of course let my husband know where we are) Do I lose any rights to our family home (in case of divorce) if I leave for now with the children. Thanks

SidNey


I really want to do a ********* *** involving another man, my girlfriend, and I. But the problem is that my girlfriend doesn’t want to do it. How should I convince her that it’s not as bad as she thinks?

Ernesto Martinez




Have you tried the cookie diet? If you asked that question in the 70′s or 80′s you would probably be laughed at. Putting the words cookie and diet in the same sentence seems to be an oxymoron even in today’s society. So why are so many people trying this so called cookie diet? Well, that’s because getting caught with your hand in the cookie jar has never helped you lose weight.

The Evolution of The Cookie Diet

In 1975 Dr. Sanford Siegal spent a lot of time trying to help his patients reach and maintain a healthy weight. While studying his patients he came to the realization of one simple fact. Hunger can ruin a diet. With a bit of experimenting, Dr. Siegal discovered that combining certain proteins / amino acids could control the hunger of his patients. The diet cookie was born.

Over the next 30 years, Dr. Siegal’s cookie diet would garner the attention of major media outlets including Good Morning America, CNN, Fox News, and more. The cookie diet would also get attention from many nutritionists and dietitians who felt the rapid weight loss experienced while on the cookie diet can be dangerous (15 lbs a month). Dietitians also feel the lack of variety could lead some dieters down a path to binge eating.

How Does The Cookie Diet Work?

Each Dr. Siegal Diet Cookie contains a blend of protein amino acids that are designed to slow digestion and help suppress the appetite. In conjunction with the cookie diet, a balanced meal should be consumed for dinner (usually a lean meat and vegetables). The cookies themselves are edible however dieters should not expect miracles in the taste department. The concept of this diet is very simple. The instructions included with the cookie diet are “when hungry, eat a cookie”.

Andre Macassi


My girlfriend wants a kitty and i want to suprise her with one. Where is a good place to get one? A little Kitten.
Thanks

Fisher Investments Editorial Staff


The Ol’ Pension Blues

12/2/2009 By Fisher Investments Editorial Staff

http://www.marketminder.com/a/fisher-investments-the-ol-pension-blues/cbe61fa6-7302-4033-9368-1281867c171b.aspx?source=home

The ol’ pension blues are back—but they needn’t rob investors of holiday cheer.

Story Highlights:

> Corporate and public pensions are underfunded, a fallout from the market plunge and from under-contribution.

> The same pension worries surfaced in the late 1980s and in 2002, and it turned out underfunding fears then were greatly overstated, as they likely are now.

> Corporations contributing more funds to pension plans could be a positive for markets if the extra funds find themselves into stocks, as they did in 2003.

> Underfunded pensions are a widely known phenomenon—meaning the negative impact is likely already largely priced into stocks.

________________________________________________________________________

The holidays are coming, and we can only guess what’s on corporate and public pensions’ wish lists: A big wad of cash. Pensions of all stripes are finding themselves underfunded—meaning liabilities (payment obligations to employees) are greater than what’s in the bank—a fallout from the market plunge and from under-contribution. The average public pension plan is 35% underfunded, and 92% of corporate pension plans were underfunded at the end of last year.

Solutions to the underfunding issues aren’t promising. Aside from Santa’s generosity, options include cutting back on benefits, contributing additional funds to retirement plans, or declaring bankruptcy and falling into the safety net provided by federal pension insurers, like the Pension Benefit Guaranty Corp. The recent market surge has helped some, but many pensions are still in the red.

There are worries the pressure to balance pension plans will hold back or even depress economic growth. When corporations shift funds to retirement plans, they do so at the expense of future profits and growth. Some corporations have reduced operations and expenses to maintain pension contribution levels. Employees at companies with underfunded pensions may feel uncertain about retirement benefits and perhaps cut back on spending and/or investing in stocks. Underfunded public pension plans are likewise a worry. Many public pensions are legally bound to provide stated benefits, meaning options to balance liabilities and assets are fewer. And a state or municipal bankruptcy would heavily weigh on taxpayers—not ideal given today’s weaker economic environment and high unemployment.

However, the ol’ pension blues aren’t new. The same worries surfaced in the late 1980s and in 2002, and it turned out underfunding fears then were greatly overstated, as they likely are now. Why? Many pension funds, corporate and public, invest in “alternative investments,” like hedge funds and private equity. Following bear markets, companies adjust downward their return expectations for the pension plans. (Similarly, expectations are generally adjusted upward during flush times, leading to under-contribution.) This downward adjustment increases the present value of future assets while the low interest rate environment increases the present value of liabilities, making pensions seem more underfunded than they really are otherwise. A function of accounting! Indeed, accounting for pension fund liabilities is complicated and highly subjective—it tends to extrapolate the most recent phenomena into the future, a common cognitive investing bias.

This isn’t to say the pension losses over the last year weren’t real. However, the overemphasis on the underfunding issue isn’t warranted. Even in 2006, before the recession and bear market, public pension plans were underfunded by $361 billion, and that didn’t hold back more growth, nor did it trigger economic or market collapse. Plus, corporations contributing more funds to pension plans could be a positive for markets if the extra funds find themselves into stocks, as they did in 2003.

Underfunded pensions are a widely known phenomenon—meaning the negative impact is likely already largely priced into stocks. More than a market-crushing event, this is likely one more brick in the wall of worry markets like to climb. Though pension plans’ balance sheets don’t look rosy, investors needn’t lose their holiday cheer.

*The content contained in this article represents only the opinions and viewpoints of the Fisher Investments editorial staff.

 

 

Deanna


My boyfriend is very moody and can be, for lack of a better word, downright mean. I’m the same way however since he asked me not to take out my problems on him, I don’t, but he still does it to me. He’s unbelievably disrespectful and it hurts me a lot. I’m not going to leave him for two reasons: I care too much and I’m not strong enough at this point in time. Any ideas as to what I can do?