neerajsinghvns + a   353

20190214-1143-How-to-edit-share-property-of-a-youtube-video - YouTube
https://www.youtube.com/watch?v=6zko_-l86x0 ;;;
tags: 20190214-1143 How to HowTo edit the share property of a youTube video ;;;
-
This video should be available only when you are logged into your psn email.
If available otherwise, please inform Mike Neeraj Singh at XXX-YYY-4411.
20190214-1143  How  to  HowTo  edit  the  share  property  of  a  youTube  video  psn  training 
5 days ago by neerajsinghvns
Pint-sized Firetruck with a Punch | Yanko Design
Please click on "Reply All" when replying to this email.
Thank you,
-
Pint-sized  Firetruck  with  a  Punch  |  Yanko  Design  india  needsEditing  from iphone
16 days ago by neerajsinghvns
How It's Made - Onions (Gills' Onions) - YouTube
03:15; why cut onions smell bad after sitting for a while ; bacteria growth
why  cut  onions  smell  bad  after  sitting  for  a  while  ;  bacteria  growth  needsEditing 
4 weeks ago by neerajsinghvns
How To Make A Crosscut Jig For Your Table Saw - YouTube
https://m.youtube.com/watch?v=USGLDKy78_Y ;;;
tags: How To Make A Crosscut Jig For Your Table Saw - YouTube video table saw sled replacement ;;;
How  To  Make  A  Crosscut  Jig  For  Your  Table  Saw  -  YouTube  video  sled  replacement  DiyCreators  needsEditing 
5 weeks ago by neerajsinghvns
ezgo semipermanent tow bar - Google Search
Please click on "Reply All" when replying to this email.
Thank you,
-
ezgo  semipermanent  tow  bar  -  Google  Search  |  HowTo  a  golf  cart  ez-go  using  towBar  from iphone
5 weeks ago by neerajsinghvns
How a Plumbing Trap Can Lose Water - YouTube
https://www.youtube.com/watch?v=Y2o8upCxcqA ;;;
tags: How a Plumbing Trap Can Lose Water - YouTube video thisOldHouse a washing machine can cause surrounding p trap traps p-trap p-traps to lose water needsEditing;;;
How  a  Plumbing  Trap  Can  Lose  Water  -  YouTube  video  thisOldHouse  washing  machine  cause  surrounding  p  traps  p-trap  p-traps  to  needsEditing  why  vent  is  needed  in  pipe  pipes  line  lines  howTo 
5 weeks ago by neerajsinghvns
How to Build a Pondless Waterfall - YouTube
03:10; foam over stone to control the flow of water.
How  to  Build  a  Pondless  Waterfall  -  YouTube  video  thisOldHouse  howTo 
5 weeks ago by neerajsinghvns
How to Install a Basement Laundry - YouTube
https://m.youtube.com/watch?v=HW-_WA1Psi8 ;;;
tags : How to Install a Basement Laundry box - YouTube video thisOldHouse washer washing machine spigot needsEditing ;;;
-
01:05; dryer vent;
03:20; sump pump below laundry sink
03:55; replace galvanized pipe with pvc “y” fitting
04:20; soldering;
05:30; washing machine valve for both hot & cold water lines;
How  to  Install  a  Basement  Laundry  box  -  YouTube  video  thisOldHouse  washer  washing  machine  spigot  needsEditing  howTo 
5 weeks ago by neerajsinghvns
How Its Made - 1420 Office Chairs - YouTube
03:30; how to prevent fraying, unraveling, thread being pulled from the bobbin of a sewing machine.
How  Its  Made  -  1420  Office  Chairs  YouTube  video  03:30;  to  prevent  fraying  unraveling  thread  being  pulled  from  the  bobbin  of  a  sewing  machine  needsEditing 
6 weeks ago by neerajsinghvns
How to create a Facebook business page - step by step instructions - YouTube
https://www.youtube.com/watch?v=lAKEddOEd00 ;;;
tags: How to create a Facebook business page - step by step instructions - YouTube needsEditing ;;;
How  to  create  a  Facebook  business  page  -  step  by  instructions  YouTube  needsEditing 
6 weeks ago by neerajsinghvns
How To Create a List Group with CSS
margin-top: -1px; /* Prevent double borders
How  To  Create  a  List  Group  with  CSS  w3schools  prevent  double  border 
7 weeks ago by neerajsinghvns
#BlackLivesMatter 'essay,' and Stanford accepted him
https://www.mercurynews.com/2017/04/04/black-lives-matter-essay-stanford-application/ ;;;
tags: essay that got a kid admission into ivy league to college colleges university universities komal neha ;;;
essay  that  got  a  kid  admission  into  ivy  league  to  college  colleges  university  universities  komal  neha 
7 weeks ago by neerajsinghvns
How to create extra space in HTML or a web page
https://www.computerhope.com/issues/ch001662.htm ;;;
tags: How to create extra space in HTML or a web page ;;;
-
 
How  to  create  extra  space  in  HTML  or  a  web  page 
7 weeks ago by neerajsinghvns
ScanSnap iX1500 Tips: How to add Adobe Acrobat as a Scan Destination - YouTube
https://www.youtube.com/watch?v=-K1MgqmkESo ;;;
tags: ScanSnap iX1500 Tips : How to add Adobe Acrobat as a Scan Destination - YouTube video ;;;
ScanSnap  iX1500  Tips  :  How  to  add  Adobe  Acrobat  as  a  Scan  Destination  -  YouTube  video  HowTo 
8 weeks ago by neerajsinghvns
(26) How to Use a Power Drill and Impact Driver | WOODWORKING BASICS - YouTube
https://www.youtube.com/watch?v=Pos82YzsYKQ ;;;
tags: How to Use a Power Drill and Impact Driver | WOODWORKING BASICS - YouTube | video HowTo ;;;
How  to  Use  a  Power  Drill  and  Impact  Driver  |  WOODWORKING  BASICS  -  YouTube  video  HowTo  komal  neha  sonu  neeraj 
9 weeks ago by neerajsinghvns
Must-Have Car Features, and Those You Can Skip - Consumer Reports
https://www.consumerreports.org/cro/news/2015/03/must-have-car-features-and-those-you-can-skip/index.htm ;;;
tags: must have features in a new car van minivan ;;;
-
apple CarPlay
trailer hitch (adapter for bike rack)
back up camera (standard since May 2016? or 2018?)
blueTooth (standard since May 2016? or 2018?)
remote start
Blind-spot monitoring
Dual-zone automatic climate control
Automatic high beams
Spare tire
Keyless entry
Driver Easy Speak (Toyota)
360 Degree Bird Eye View
110V outlet
USB Ports
Sound outlets for EarBuds or EarPhones
ceiling mounted Blu Ray dvd player; preferably with HDMI inputs somewhere low by the driver seat.
-

Forward-collision warning (FCW) uses laser, radar, or cameras to assess surrounding conditions, as well as the speed of your approach to a potential impact with a vehicle ahead of you. The system alerts you with visual and/or audible signals to a potential crash, allowing you time to react. Some systems also sense and alert you to the potential for a collision with pedestrians. We want to see forward-collision warning standard in every car.

Automatic emergency braking (AEB) adds to the benefits of forward-collision warning. AEB will sense a potential collision, and if you don’t react in time, the car will initiate braking for you. Auto-braking is another technology we would like to see standard in every car.

A backup camera is like having eyes in the back of your head, reducing the risk of reversing over or into something that might otherwise be unseen behind the vehicle. It’s both a safety feature and a convenience for parking.

Rear cross-traffic alert takes seeing behind you to the next level by warning you when other traffic is approaching from the side as you back out.

Blind-spot monitoring signals when there’s a car in the blind spot beside you on the road. The best systems illuminate little lights in the side mirrors where you should be looking anyway. They emit a chime if you signal a move toward a car next to you. We’ve found these systems to be very effective.

Apple CarPlay and Android Auto bring the features and usability of your smartphone to the car’s dashboard. The appeal is being able to use interfaces you are familiar with to the larger screen of your car’s infotainment system. The systems allow you to use a selection of car-friendly apps, and make voice-activated texting simple.

Bluetooth connectivity lets you answer a cell-phone call hands-free, without fumbling with the phone or risking a law violation. In addition, Internet-sourced audio can typically be streamed to the car wirelessly, provided you took the time to pair the phone to the car.

360-degree surround-view camera systems help drivers park more easily, and check for obstructions, through a bird’s-eye view from above the vehicle. Multiple cameras positioned around the car show parking lines relative to the vehicle, making maneuvering in tight situations a snap.

Head-up displays share redundant information such as current speed, navigation information and audio selections on the windshield directly in front of the driver. This reduces the need for the driver to move their eyes from the road to the dashboard or central display screen, although it may take some getting used to.

A USB port can be used to charge a device and play music through the stereo.

Voice controls can keep you from fumbling either with your phone or the car’s controls when looking for the perfect song or trying to phone home. They’re also handy for entering a destination in the navigation system, even under way.

Heated seats and steering wheel can be much appreciated during a cold winter. Trust us, once you try these, you’ll never want to live without them.

Dual-zone automatic climate control allows the driver and front passenger to fine-tune temperature settings. Set and forget—the system will make adjustments as needed to keep everyone comfortable. It also has a safety benefit – in Auto mode, you’ll be fumbling less.

Automatic high beams take the stress out of driving on back roads at night by automatically turning off the high beams for oncoming traffic, and then turning them back up once the cars have passed. We’ve found some systems work much better than others, however.

Spare tire. Lots of cars come without them these days, so check before you buy. In many cases, a spare tire can be added for a fee.

Keyless entry makes a huge difference when you’re trying to open the car and you have your hands full of bags, babies, or a briefcase. Just walk up and open the doors—sometimes by touching a sensor on the handle. Almost all cars with keyless entry also have pushbutton start. But even if they don’t, it’s easier to fish for the key once your hands are free.
must  have  features  in  a  new  car  van  minivan  ConsumerReports 
9 weeks ago by neerajsinghvns
[no title]
https://www.youtube.com/watch?v=MaKcwnoGCak ;;;
My Top 10 Ways to Tie a Scarf - YouTube howto needsEditing komal neha sonu neeraj ;;;
02:30; another video; how to wear a blazer
My  Top  10  Ways  to  Tie  a  Scarf  -  YouTube  howto  needsEditing  komal  neha  sonu  neeraj 
9 weeks ago by neerajsinghvns
HTML td valign Attribute
https://www.w3schools.com/tags/att_td_valign.asp ;;;
https://www.w3schools.com/tags/att_td_align.asp ;;;
-
tags: HTML td valign Attribute | w3schools html data alignment top in a cell ;;;
-
search for:
<td valign="top|middle|bottom|baseline">
HTML  td  valign  Attribute  |  w3schools  data  alignment  top  in  a  cell  LessonsLearnt  hindSight 
12 weeks ago by neerajsinghvns
[no title]
http://www.lehman.edu/academics/arts-humanities/piccirilli/ ;;;
http://www.lehman.edu/academics/arts-humanities/piccirilli/memoir.php ;;;
-
The memoir has a sad ending.
-
tags: lehman brothers brothers? statue of abraham lincoln in the LincolnMemorial memorial was carved by Piccirilli needsEditing memoir wonderful font in a diary ;;;
lehman  brothers  brothers?  statue  of  abraham  lincoln  in  the  LincolnMemorial  memorial  was  carved  by  Piccirilli  needsEditing  memoir  wonderful  font  a  diary 
12 weeks ago by neerajsinghvns
TILE with a REPLACEABLE BATTERY - FULL REVIEW - YouTube
https://www.youtube.com/watch?v=GYjcWIV-KUY ;;;
03:15; how to change battery ;;;
tags: TILE with a REPLACEABLE BATTERY - FULL REVIEW - YouTube | video theTileApp howTo change ;;;
TILE  with  a  REPLACEABLE  BATTERY  -  FULL  REVIEW  YouTube  |  video  theTileApp  howTo  change  button  cell  CR1632 
12 weeks ago by neerajsinghvns
Internal Links | page jumps to sections of a page
https://www.yourhtmlsource.com/text/internallinks.html
tags: link links hyperlink hyperlinks internal external how to go goto a certain part of the same or another page ;;;
link  links  hyperlink  hyperlinks  internal  external  how  to  go  goto  a  certain  part  of  the  same  or  another  page 
november 2018 by neerajsinghvns
What Is a Printer-Friendly Web Page?
https://www.lifewire.com/printer-friendly-web-page-3469219 ;;;
tags: What Is a Printer Friendly Web Page | HowTo make ;;;
-
Underline all links.
Include a copyright notification.
What  Is  a  Printer  Friendly  Web  Page  |  HowTo  make 
november 2018 by neerajsinghvns
YouTube; Cascading Drop-down Navigation Menu with CSS (Part 1)
https://m.youtube.com/watch?v=TmQm-p3wCSU ;;;
-
tags: dropDown menu youTube video by ralph needsEditing howTo create build HTML CSS cascading nav navigation howto instead of just the hyperlinks, the entire button becomes a hyperlink link ;;;
-
00:00; what is going on.
00:00; what is going on.
00:00; what is going on.
00:00; what is going on.
00:00; what is going on.
00:00; what is going on.
10:45; positioning of hyperlinks.
11:47; convert un-ordered list of hyperlinks to positioning them like a set of drop down menus.
displaying anchor tags; code> ul#navmenu a { }.
12:10; get rid of underline; {text decoration: none}
12:15; convert inline element anchor tags in to block elements. {display: block;}
12:25; make list items behave more like buttons. instead of just the hyperlinks, the entire button becomes a hyperlink.
12:50;
{display: block;
width: 125px;
height: 25px;
}
dropDown  menu  youTube  video  by  ralph  needsEditing  howTo  create  build  HTML  CSS  cascading  nav  navigation  instead  of  just  the  hyperlinks  entire  button  becomes  a  hyperlink  link 
october 2018 by neerajsinghvns
How to Create a Website: Step-by-Step Guide for Beginners (2018)
https://websitesetup.org/ ;;;
How to Create a Website: Step-by-Step Guide for Beginners (2018) ;;;
tags: How to Create a Website: Step-by-Step Guide for Beginners (2018) | make StepByStep Step by GettingStarted needsEditing wordpress ;;;
How  to  Create  a  Website:  Step-by-Step  Guide  for  Beginners  (2018)  |  make  StepByStep  Step  by  GettingStarted  needsEditing  wordpress 
october 2018 by neerajsinghvns
Chad Ludington’s Statement on Kavanaugh’s Drinking and Senate Testimony
I  do  not  believe  that  the  heavy  drinking  or  even  loutish  behavior  of  an  18-  or  even  21-year-old  should  condemn  a  person  for  the  rest  of  his  life.  I  would  be  a  hypocrite  to  think  so.  However_  I  have  direct  and  repeated  knowledge  about  his  drinking  and  his  disposition  while  drunk.  I  do  believe  that  Brett’s  actions  as  a  53-year-old  federal  judge  matter.  If  he  lied  about  his  past  actions  on  national  television_  and  more  especially  while  speaking  under  oath  in  front  of  the  United  States  Senate_  I  believe  those  lies  should  have  consequences.  It  is  truth  that  is  at  stake_  and  I  believe  that  the  ability  to  speak  the  truth_  even  when  does  not  reflect  well  upon  oneself_  is  a  paramount  quality  we  seek  in  our  nation’s  most  powerful  judges.  Chad  Ludington’s  Statement  on  Kavanaugh’s  and  Senate  Testimony  needsEditing  questionable  Brett  Kavanaugh  from iphone
october 2018 by neerajsinghvns
YouTube
Amazing Agriculture Machines Latest Technology - Harvest of a Welsh onion in Japan
Amazing  Agriculture  Machines  Latest  Technology  -  Harvest  of  a  Welsh  onion  in  Japan  ||  israel  novel  new  efficient  Ideas  needsEditing  questionable 
september 2018 by neerajsinghvns
LaTeX Tutorial 1 - Creating a LaTeX Document - YouTube
00:10; what to download.
01:10; how to configure latex.
02:30; how to start writing the latex document.
LaTeX  Tutorial  1  -  Creating  a  Document  YouTube  video  howto 
september 2018 by neerajsinghvns
Smashwords – How to go from Average to SMART: SSAT & ISEE Math (UPPER) – a book by neeraj Raguvanshi
https://www.smashwords.com/books/view/896405 ;;;
https://www.smashwords.com/about/supportfaq#ios ;;;
https://itunes.apple.com/us/app/bluefire-reader/id394275498?mt=8 ;;;
-
tags: Smashwords – How to go from Average SMART : SSAT & ISEE Math (UPPER) a book by neeraj Raguvanshi || needsEditing ;;;
---
coupon codes
KD85J, 98%OffFrom$49.99
HC52Y, 90%OffFrom$49.99
ED72R, 50%OffFrom$49.99
---
Smashwords    How  to  go  from  Average  SMART  :  SSAT  &  ISEE  Math  (UPPER)  a  book  by  neeraj  Raguvanshi  ||  needsEditing  link  iBook 
september 2018 by neerajsinghvns
The Washington Post: A guide to the financial crisis — 10 years later
The Washington Post
Ten questions as we look back at the Great Recession. Read the full story
Shared from Apple News
Please click on "Reply All" when replying to this email.
Thank you,
-
A  guide  to  the  financial  crisis    10  years  later  WP  Washington  Post  WashingtonPost  needsEditing  Interesting  Reading  InterestingReading  investment  from iphone
september 2018 by neerajsinghvns
YouTube
tags : GFCI RCD A Simple but Life-Saving Protector Komal Neha Sonu & Neeraj DBS needsEditing
01:40; how do the devices work; the principle behind it.
02:10; animation
GFCI  RCD  A  Simple  but  Life-Saving  Protector  Komal  Neha  Sonu  &  Neeraj  DBS  needsEditing 
august 2018 by neerajsinghvns
How the new tax law creates a ‘perfect storm’ for Roth IRA conversions - MarketWatch
tags: How the new tax law creates a ‘perfect storm’ for Roth IRA conversions - MarketWatch | READ comments
-
You are mistaken. 401k and IRA are separate contributions with their own limits. You can max out your 401k and still do maximum contribution to your IRA (either traditional or Roth.) Anyways, In my opinion, its inevitable Roth's will be taxed in the future when too many of us middle class peasants start not paying taxes on income. The Roth scam worked great when only the Rich knew about it, but there is no way the gov't is going to let ordinary people avoid taxes.
Reply
Bert MLeader
20hEdited
×
Delete Post
Are you sure you want to delete this post?

No

Yes
You should convert as much as you can up to the max limit of 12% tax bracket. When you start SS at whatever age or start RMDs at 70.5, depending on your income, you may be in the higher 22% tax bracket. I can convert about $14k per year right now from age 62 to 66, but when I start SS at 66, I will have to stop converting because it will bump me into the 22% tax bracket and will make my stock dividends taxed at 15%. My dividends are taxed at 0% right now.
Reply
1
DMC XXXXXLeader
8 Aug
×
Delete Post
Are you sure you want to delete this post?

No

Yes
am in a higher tax bracket and now retired 10 years--
I have one rental, one pension, 2 roths and one IRA, 2 SS checks.

My income is 33% higher than the year I retired.

I intend to convert the one IRA (400K) to a roth this year or over 4 years. That IRA id adding 15 to 18 K to my taxable income each year.
Reply
RISHIYUR MOHAN
31 Jul
×
Delete Post
Are you sure you want to delete this post?

No

Yes
A few observations about Roth IRA/conversions:
Remember, the holy grail of Social Security benefits were not taxable until it was changed under the leadership of Republican President Reagan in 1984. So what's to prevent future Presidents and Congress, of any political persuasion, from dipping into Roth withdrawals in the future?
I have heard that its not advisable to pay Roth conversion taxes with pre-tax(IRA) funds. If you do ,your retirement nest egg takes an immediate dip based on your tax rate (e.g. 20% tax rate will be $200K on a $1000K amount). You may not have to pay taxes on withdrawals but future returns will have to make up for the reduction in asset base.
If you are in pre-medicare status and are retired with ACA health coverage, watch out!! The premium subsidies vanish if you go even $1 above the allowable taxable income limit. For example, monthly premium could jump from $300/month to $1500/month if taxable income is not closely monitored.
So the question is - in a specific individual's situation, a Roth conversion could be a benefit or a major losing proposition.
Reply
9
Mike Grant
30 Jul
×
Delete Post
Are you sure you want to delete this post?

No

Yes
I agree way to many variables. I am really surprised that most people would be in a higher tax bracket when they retire. I have figured it out for my wife and I and we will be living on 50% of our current income. Once the kids are gone and we downsize it won't even be close. Maximizing all the tax deductions I can get while we are working is by far our best option. It may not be for you, but it's not nearly as cut and dry as the article would suggest
Reply
2
jon deanInfluencerMike Grant
31 Jul
×
Delete Post
Are you sure you want to delete this post?

No

Yes
I thought that I'd be in a lower tax bracket when I retired. Didn't do the math; should have. I'm in a higher tax bracket because the last decade that I worked, I was maxing out contributions to a 401K and a 357 retirement savings plan, plus a health savings plan. Combined, all those deductions from my pay put me in a lower bracket. Now, over 70, even those RMDs put me in a higher bracket when combined with my SS and pensions.
Reply
6
Bert MLeaderMike Grant
19hEdited
×
Delete Post
Are you sure you want to delete this post?

No

Yes
Most retirees are not in a higher tax bracket after retirement. A very small percentage may be in higher tax brackets due to large RMDs. For example, I am 62, retired since age 59 and have $111k per year income. I have $10k Roth dividends (not taxed) and $38k in stock dividends at 0% tax rate. If you deduct the $24k married deduction, I'm only paying tax on $39k for a 4% overall tax rate. I haven't started my SS or RMDs yet, so my tax rate will go up, but I probably will never be paying a higher tax rate from when I was working.
Reply
SHOW MORE COMMENTS...
How  the  new  tax  law  creates  a  ‘perfect  storm’  for  Roth  IRA  conversions  -  MarketWatch  |  read  comments 
august 2018 by neerajsinghvns
Mark Cuban owns just a handful of stocks and 'a whole lot of cash'
Mark Cuban owns just a handful of stocks and 'a whole lot of cash'
"I'm down to maybe four dividend-owning stocks, two shorts, and Amazon and Netflix," the billionaire says.
Matthew J. Belvedere
Billionaire entrepreneur Mark Cuban told CNBC on Monday that he's holding much more cash than he normally does because he's concerned about the stock market and U.S debt levels.
"I'm down to maybe four dividend-owning stocks, two shorts, and Amazon and Netflix. I've got a whole lot of cash on the sidelines," Cuban said on "Fast Money Halftime Report." "[I'm] ready, willing and able if something happens" to invest.
Cuban said Amazon and Netflix are his biggest holdings. But he refused to reveal his short positions, the stocks that he's betting against. "I'll keep that to myself."
"Put aside tariffs, put aside what the president is doing, he's got his reasons," said Cuban, an outspoken critic of Donald Trump as a candidate and as president. "There just no way where you can say, 'I just trust everything that's going on.' And that concerns me."
"We borrowed from the future to kind of pump up the current market," said Cuban, owner of the NBA's Dallas Mavericks. Running up the national debt is just as bad as the Federal Reserve continuing historically low interest rates much longer than needed after the 2008 financial crisis, he contended.
"If I get a feeling that [economic] growth will continue at 4-plus percent and the debt will then come down, then I'll get back into the market," said Cuban.
The "Shark Tank" investor provided no update in Monday's CNBC interview on whether he might run for the White House in 2020. Asked in June whether he's given more thought to running, Cuban told The New York Times via email then, "Yes. But not willing to discuss at this point."
Disclosure: CNBC owns the exclusive off-network cable rights to "Shark Tank," which features Mark Cuban as a panelist.
Please click on "Reply All" when replying to this email.
Thank you,
-
Sent from my phone. Please ignore any auto correction errors.
Mark  Cuban  owns  just  a  handful  of  stocks  and  'a  whole  lot  cash  "I'm  down  to  maybe  four  dividend-owning  stocks_  two  shorts_  Amazon  AMZN  Netflix  ntflx  _"  billionaire  says.  NeedsEditing  from iphone
august 2018 by neerajsinghvns
Applying to College: A Step by Step Guide to the Application
https://www.universitylanguage.com/guides/applying-to-college/ ;;;
tags: Applying to College : A Step by Guide the Application | steps in process || neha komal sonu neeraj ||| questionable ;;;
Applying  to  College  :  A  Step  by  Guide  the  Application  |  steps  in  process  ||  neha  komal  sonu  neeraj  |||  questionable 
august 2018 by neerajsinghvns
These 5 tech stocks are in a dot-com-like bubble (and they aren’t all FAANGs) - MarketWatch
These 5 tech stocks are in a dot-com-like bubble (and they aren’t all FAANGs)
Getty Images
Spot the micro bubbles.
Although the overall stock market looks reasonably valued, there are pockets of extraordinary risk where stocks with 2000-bubble-like valuations lurk.
Specifically, there is a “micro bubble” in certain tech stocks, where valuations reflect expectations for future cash flows that would require unrealistically high margins, growth, and market share. These expectations might not be so “bubbly” if not for the fact that the current margins and cash flows of these companies have trended at very low or negative levels for years.
5 tech stocks in a micro bubble
Figure 1 lists the five tech stocks we put in our first micro bubble. They share a few key characteristics:
• Low or negative return on invested capital (ROIC) and free cash flow
• Unrealistically high valuations: all 10 companies either have negative economic book values, or they have a PEBV above 20
• Expectations that they achieve heretofore unseen dominant market shares
These are five of the largest micro-bubble companies. Briefly, here’s what makes each of these companies part of the micro-bubble.
Amazon
Fun fact: Amazon’s AMZN, +0.20% $885 billion market cap is higher than Walmart WMT, +0.45% Home Depot HD, +0.69% Oracle ORCL, -0.39% and Disney DIS, +0.53% combined. Investors are betting that Amazon can grow to dominate multiple industries while earning significantly higher margins than it does now.
Amazon has finally shown an ability to earn a profit, but it still must grow net operating profit after tax (NOPAT) by 30% compounded annually for 19 years to justify its current valuation. See the math behind this dynamic DCF scenario. For comparison, only six companies in the S&P 500 SPX, +0.28% managed to grow NOPAT by 30% compounded annually for just the past 10 years. Maintaining that growth rate for nearly double that time frame would be an extraordinary feat.
Amazon prefers to point investors to free cash flow, but its reported free cash flow numbers are an illusion. In reality, the company continues to experience significant cash outflows.
Investors who focus on understanding true cash flow and fundamentals know the disconnect between actual cash flow and the market’s expectations for future cash flows borders on the absurd.
Netflix
Netflix NFLX, +0.16% has become one of the leading creators of original content, but it’s done so with an unsustainable cost structure. As this excellent video from The Ringer explains, Netflix earns an accounting profit, but only because its reported content costs understate its actual content spending by about 50%. The company continues to lose billions of dollars a year and grows increasingly dependent on the high-yield debt market.
Felix Salmon of Slate recently published a piece titled “Netflix Can Either Become the Dominant Media Monopoly of the 21st Century or Go Bust.” The market values Netflix as if it will be that dominant monopoly when, frankly, there’s a very good chance it goes bust. Risk/reward for this stock is so bad that no investor with any respect for fundamentals can own this stock in good conscience.
Salesforce.com
Salesforce CRM, +1.21% has racked up losses for years while pursuing growth at any cost. The theory behind this strategy is that the company will eventually be able to cut back heavily on its marketing and R&D costs while maintaining its recurring revenue stream.
Even if this strategy does work, which is far from certain, the company is currently valued at 10 times revenue, or double the valuation of Oracle. This hasn’t dissuaded bulls, as Salesforce generates classic tech bubble-style headlines like “Ignore Salesforce’s Valuation.” In other words, they want investors to ignore fundamentals.
Tesla
Tesla TSLA, -1.09% currently has a higher market cap than GM GM, -0.05% despite selling about 1% as many cars in 2017. What’s more, GM is already ahead of Tesla in self-driving technology and rapidly catching up when it comes to electric vehicle production.
Elon Musk keeps promising that Tesla will revolutionize the auto industry, but so far Tesla hasn’t shown an ability to navigate the manufacturing logistics that the established auto makers figured out decades ago. The company’s valuation is blind to fundamentals and seems entirely focused on the cult of personality that has built up around Musk.
Read: Tesla confirms intention to go private, sending stock up 11%
Spotify
Spotify Technology SPOT, -0.24% wants to disrupt the music industry, but so far it remains beholden to the Big Three record labels that own 85% of the music streamed on its platform. The market thinks of Spotify as a trendy tech company, but as we wrote in our report on the stock, the economics of its business are more similar to the movie theater industry.
Spotify’s leverage against the record labels is further weakened by the rapid growth of competitors like Apple Music AAPL, -0.08% It’s hard to see how Spotify can justify the growth expectations implied by its valuation unless it could pull off the unlikely feat of taking over ownership of its content from the labels while holding off competition from other streaming services (all without having to overspend like Netflix has).
Again, we see a company where the valuation reflects the best-case scenario with little to no tether to fundamentals.
How to bet against the micro bubble
Investors that want to bet against these micro-bubble stocks can short them directly, but that can be expensive and risky for these momentum-driven companies. As the saying goes, the market can stay irrational longer than you can stay solvent.
Another way to profit from the busting of this micro bubble is to invest in the incumbents from which these companies must take major chunks of market share. When these micro-bubble stocks fall back to earth, a great deal of capital should be reallocated to the incumbents.
Macro bubbles vs. micro bubbles
Today’s market has some micro bubbles, or smaller groups of overhyped stocks trading at ridiculous valuations.That makes it very different from the tech bubble, which was a macro bubble, a marketwide phenomenon that distorted the valuation of the entire market.
A few new features are shaping the market now and explain why today’s bubbles are unlikely to spread to the entire market, at least for the foreseeable future:
• Politicians and policy makers are focused on preventing macro market crashes. Today’s politicians and policy makers are heavily shaped by both the housing bubble of the mid-2000s and the tech bubble of the late 1990s. They will likely do everything in their power to prevent recurrence of such cataclysmic events on their watch.
• Rising influence of noise traders. Noise traders, who make investment decisions based on noise and have no regard for fundamentals, are an increasingly influential force in today’s market. Roughly a quarter of all U.S. adults with internet access are retail online traders. That’s around 50 million investors who don’t have professional trading (much less investing) experience and might be more susceptible to buying into “story” stocks without understanding the fundamentals. There’s power in those numbers.
• Overhyping “transformative” technology. The splintering of online media has led journalists to overhype nearly every new technology and trend in a relentless competition for clicks. For example, despite the “Retail Apocalypse” narrative, brick-and-mortar sales still account for 90% of retail sales, and Walmart earned nearly three times more revenue than Amazon last year. In reality, very few new technologies are as transformative as we like to imagine.
• Value transfer vs. value creation. Too many investors overestimate the value-creation opportunities for new technologies. Even when technologies are transformative, predicting who will reap the benefits of these technologies is difficult. Often, most of the value accrues to end users/consumers and not corporations. When it does accrue to a company, it’s usually at the expense of another company. During the tech bubble, bulls believed the internet would make our economy radically more productive and allow the GDP growth rate of around 5% in the late 90’s to persist for many years. When this utopian future failed to materialize, the market collapsed. By contrast, today’s micro-bubble companies compete against firmly established incumbents from which they must take large chunks of market share to survive. Instead of adding value, these companies aim to take value from existing players. Even if they succeed, we think much of that value will eventually pass to consumers.
This last point is key. In 1999, investors gave Microsoft MSFT, -0.10% its absurdly high valuation because they believed its software would create enormous amounts of value and growth for thousands of other companies. On the other hand, Tesla’s sky-high valuation implies it will take market share away from General Motors and Ford F, +0.50% which decreases the valuation of those companies.
These modern-day micro bubbles reflect the zero-sum nature of today’s crowded and more mature competitive landscapes.
Why we’re not in a macro bubble
Figure 2 sums up the difference between the tech bubble and today’s market pretty clearly. It shows the price to economic book value (PEBV) of the largest 1,000 U.S. stocks by market cap going back to 2000. PEBV compares the current valuation of a company compared to the zero-growth value of its cash flows, i.e. NOPAT, so a higher PEBV means the market expects more future cash flow growth.
While the market’s PEBV has more than doubled since 2012, from 0.7 to 1.5, it’s nowhere close to its tech bubble level of 5.7.
There are definitely some outrageously valued companies out there, but those high valuations … [more]
If  it  is  something  urgent_  after  you  send  me  the  details  by  email_  please  contact  text.  These  5  tech  stocks  are  in  a  dot-com-like  bubble  (and  they  aren’t  all  FAANGs)  -  MarketWatch  Amazon  AMZN  Netflix  NFLX  Crm  salesForce  Spotify  Tesla  TSLA  dotComLike  from iphone
august 2018 by neerajsinghvns
How to Install a Safety Grab Bar with the World's Strongest Fastener - YouTube
https://www.youtube.com/watch?v=AA-Bue7zrQ8 ;;;
tags: How to Install a Safety Grab Bar with the World's Strongest Fastener - YouTube | bathRoom ;;;
How  to  Install  a  Safety  Grab  Bar  with  the  World's  Strongest  Fastener  -  YouTube  |  bathRoom  room#5 
august 2018 by neerajsinghvns
« earlier      
per page:    204080120160

related tags

"  "2018"  "I'm  #1  $10  $500  &  'a  (  (0.7mm.)  (1)  (6)  (7)  (11)  (12)  (2018)  (and  (Filming  (FREE  (HTML  (in  (Part  (s)  (UPDATED!)  (UPPER)  )  -  --  ---  /  //  1)  2x4  03:30;  3D  4th  18-  21-year-old  53-year-old  90%  20190214-1143  :  ;  ?  a  A-Z  A21  ability  about  above  abraham  AC  Acceleration:  Accepts  access  accident  accidents  account  account?  accounts  acrobat  action  actions  activate  activated  active  Actual  acura  Acuña  adapter  add  Adding  addons  address  addresses  addthis  adjustable  admission  adobe  advertise  advertising  Advice  Advisor  after  Aggregator  Ago  Agriculture  air  airConditioner  AirPod  AirPods  alexis  align  Aligning  alignment  all  all-new  AllNew  AllNewModel  allow  alpa  also  am  amahi  Amazing  amazon  Amazon.com  ambetter  American  AMZN  an  and  Andrew  Angel  Angelo  angular  animated  animation  another  Any  anything  aPlusRehabOnline  apple  Application  apply  Applying  are  aren’t  around  art  article  arun  as  ask  asn  asn-online  at  atom  Attach  attachment  Attribute  Audio)  Audit  author  auto  Autodesk  automobile  Autos  Autumn  Average  avoid  B  Baby  back  background  bacteria  bad  Badge  baffle  ball  Ballpoint  balls  band  Bankrate.com  bar  bargains  Basement  BASICS  Basket  bathRoom  battery  be  beard  become  becomes  before  beginners  behavior  being  believe  believed  bend  Berkshire  best  BET  Better  between  bicycle  Bidet  big  bigger  bike  bill  billionaire  Bistro  bite  bkg  Bladeless  Block  blog  Blogging  Blow-in  blower  blue  Bob  bobbin  BobGrant  book  bookmark  bookmarklet  Books  Bootcamp  border  bottle  bottleToMemories  bottom  box  brad  Brain  Branded  Brett  Brett’s  Brief  brk-a  brk-b  brooks  brothers  brothers?  browser  bubble  bucket  buckets  buffet  buffet's  build  building  Bulb  business  Business:  but  button  buy  Buying  by  Byron  CAD  calc  call  Camera  can  Canadian  candidates  capacito  Capacitor  car  car?  carbargains  Career  Careers  carry-over  carryOver  carryOverModel  cars  cart  carved  cascading  Casement  cash  Casters  Castors  caulk  caulking  cause  CD  CDs  ceiling  cell  cells  center  Cents  CEO  certain  Chad  Chairs  challenge  Chang  change  Changed  Channel  character  charges  chart  charts  check  China  Chip  choose  Choosing  Chrome  circle  circles  circular  circularSaw  Claims-Made  Class  cleaner  Clearpoint  click  Clinic  clip  clipart  clopay  Close  cluster  coca  code  Coding  coffee  Coker  cola  colin  Collaboration  Collapse  collecting  collection  collector  college  colleges  color  Colors  Colour)  columns  com  command  comment  comments  commision  commode  Common  Common?  Community  Companies  company  compare  comparison  competitor  Complete  Compliancy  compliancyGroup  component  components  computer  concept  condemn  condiment  conditioner  Conduct  cone  configuring  connect  connected  consequences.  Considerations  Consumer  ConsumerReports  consumerReports  contact  Contacts  container  control  conversions  cood  coordinate  copy  copyright  cosman  county  Couples  Course  courseware  Cpa  CR1632  Craftsman  Crank  create  created  creates  creating  Credit  creditFreeze  creditLock  crisis  Crm  cross  crosscut  CrossCutSled  crossReference  CS3‬‏  CS5  css  CSS)  css3  Cuban  cup  Cushion  Cushions  custom  customer  cut  cuts  cutting  cycle  Cyclone  damage  dan  data  database  db  dba  DBS  deadbolt  deadliest  deal  Dealer  Dealerships  deals  dean  Deck  degree  degrees  delegate  delete  deleting  Depot  Descendant  design  designed  designs  desired  Destination  detach  details  development  device  devTips  Dialysis  diary  difference  different  dig  Digital  Dimensions  direct  DirecTV  Disappearing  Discounted  Discovery  dish  Dishwasher  display  displays  disposable  disposition  distributor  div  dividend-owning  diy  DiyCreators  do  doctor  doctors  document  Documentation  documentSnap  does  Doesn't  dolly  domain  domainName  don't  DoNot  door  dot-com-like  dotComLike  double  down  drafting  Drawers  dreamweaver  drill  drillPress  drink  drinking  Driver  drives  drone  dropbox  dropdown  drunk.  dual  duct  ducts  duggal  duncan  dust  Dust!  dustless  dvr  dw  dwt  E-TECH  easiest  easy  EASY!  eBay  ebook  eClinicalWorks  ecw  edit  Editing  Effect  effective  efficient  eHow  elca  Element  email  email_  embed  embeded  employees  Emptying  end  Engineering  Engine|  England  entire  Entrepreneur  environment  equation  equations  equifax  especially  essay  Estate  etc.  eu2000i  even  event  Ever!  Every  example  excel  Executor  existing  expand  Experian  expert  external  extra  extraction  ez-go  ezgo  FAANGs)  Facebook  failover  fake  Fall  fan  FAQ  fast  fastCap  Fastener  father  faucet  feature  features  federal  fee  Feed  fence  few  field  file  Files  filetype:pdf  Filing  fill  Filter  filteration  financial  find  Fine  Finials  Finish  Firetruck  first  fit  Fix  flag  Flags  flash  Flat  floating  floor  Floor?  Flooring  flush  foam  folder  Folders  folding  Folds  follows  font  food  foodTruck  for  fork  form  format  Formatting  Formlabs  forms  formula  forTableSaw  fountain  four  frame  frames  fraying  free  freeze  friend  Friendly  from  front  full  Games  Garage  Gas  gates  GeekBeat  generate  generator  geometry  get  getting  GettingStarted  GFCI  Give  giveaway  Glowing  Glue...  gmail  go  goes  going  golf  good  goodbye  google  googleVoice  Gorilla  got  goto  goToMeeting  Grab  grade  Grant  graphic  great  Groceries  groom  groomed  grooming  ground  group  growing  growth  Guardian  guest  guide  Guide:  guitar  gun  Hack  hacking  Half  hammack  handful  handle  hanging  happens  Hard  hardware  Harvest  has  has:Know  hassle  hathaway  Hathaway's  have  HAVEN'T  hcp  he  head  header  health  HealthCare  HealthGrove  heavy  help  help:  hemisphere  henry  HenryCountyPediatrics  her  Here's  hero  hidden  hide  hindSight  his  history  holder  home  Homebuilding  homedepot  Homemade  Honda  Hood  Hornberger  hose  hospital  hospitals  house  hover  Hoverable  hovering  how  How-To  Howard  howcast  However_  howto  HP  href  HTGFATS  html  html5  Humalog  human  hurricane  hyperlink  hyperlinks  hypocrite  i  ibook  iBooks  iBooksGenerator  icon  icons  ID  idea  ideal  Ideas  if  iFrame  Iframe  iFrames  ihaveusedthis  image  images  Impact  in  inc  inch  incorporated  index  index:  india  Indian  industry  Infiltrate  infinity  information  infringement  infringing  initiative  inlaid  insert  Inside  install  Installation  installing  instantly  instead  instructions  instrument  insurance  insurance:  intercept  Interesting  InterestingReading  internal  internet  interview  into  invention  inventions  inventor  Inventors:  inverter  investment  Investopedia  Investor  involving  iPad  iPhone  IRA  iron  Iron-on  irrigation  IRS  is  ISEE  israel  issues  istockphoto  it  Its  iTunes  ivy  iX1500  Jack  japan  Japanese  JavaScript  jeremy  Jerk  JetPens.com  jgvisual  jig  Jigsaw  job  Jobs  Joint  jon  judge  judges.  Judy  just  justhost  kaizen  kangaroo  karaoke  Kavanaugh  Kavanaugh’s  kdi  Key  Kickback  Kickstarter  kid  Killer  Kit  Klein  knecht  Know  Know:  knowledge  known  komal  kreg  label  labels  Laminate  Lamp  landing  Landscape  Laptop  large  larger  last  later  Latest  LaTeX  launch  Laundry  law  Lawyer  lay  layoff  layoff-proof?  layout  lead  league  learn  Learn!  LED  LegalZoom  legalZoom  legalzoom.com  legs  lehman  less  less.  LessonsLearnt  letter  level  levels  Lewin  lexus  Liability  library  license  licensing  lid  lied  lies  life  Life-Saving  life.  lifehacker  light  Lighting  like  lincoln  LincolnMemorial  line  lines  link  LinkedIn  links  linux  list  listing  ListOfItems  load  local  location  lock  locked  lockpicking  login  logo  long  looked  Looks  loops  Lose  loss  lot  lousy  loutish  Love  Ludington’s  macbook  machine  Machines  macro  Made  magic  magical  mail  make  Making  Mampilly  Man  management  Managing  managment  manual  manually  manufacturing  many  map  maps  Marius  Mark  marketing  MarketWatch  math  MathOpenReference  matter.  matthais  maybe  me  Measuring  mechanical  Media  media:document  MediaSmart  meeting  Meets  Melinda  member  membership  memoir  memorial  men  mens  menu  mercedes  metal  method  Methods  mfg  microphone  microsoft  Microwave  minivan  minor  mins  minute  minutes  mirror  mirroring  Miscea  Mistakes  MIT  miter  Mitre  Mobile  MOBILE  Modal  model  Modern  momentum  Money  monitor  monitors  more  Mortar  most  Motion  Motion)  mount  mountain  mounted  move  move?|  ms  MSN  MSWord.avi  multiple  music  musical  must  my  name  Naming  nancy  national  nation’s  nav  navigation  need  needed  NeedsEditing  needsEditing  neeraj  negotiation  neha  neighborhood  Nephrology  netflix  network  network-attached  networking  never  new  newbie  newbies  News  NFLX  nice  nicestuff101  ninety  Ninja  nixie  No  not  Notes  novel  now  NOW.  ntflx  number  numbering  numbers  nun  oath  of  of?  off  offer  office  old  on  one  One!  oneself_  onion  onions  online  only  open  OpenOffice  operating  opinion  Options  or  oracle  orange  other  otherRelatedProducts  our  out  outFeed  Oven  over  Overview  own  owns  p  p-trap  p-traps  Padin  page  Page.  pages  Panel  Papasavva  paper  Paperless  Papermate  paragraph  paramount  part  Part1  particular  parts  password  past  paste  patent  Patient  patients  pattern  pattinson  Paul  paulAkers  paulk  pay  paywall  pc  PCWorld  pdf  pediatraics  pediatrics  pen  pencil  Pencils  People  pepsi  Perfectly  Periodic  person  personal  perspective  phone  photo  photograph  photography  Photoshop  PHP  PHPJabbers  phrases  physics  pic  Piccirilli  pick  picking  picture  Pictures  piece  pieces  Pillar  Pinboard  Pint-sized  pipe  pipes  pivot  pivotTable  place  places  Placing  plan  PLAN)  plane  plans  plastic  play  Playground  please  Plumbing  plus  Plywood  point  Policies  Policy  polyfill  Pondless  Pondliner.com  popup  PORTABLE  Portable  Portrait  position  Post  power  powerful  PowerPoint  predictors  Preliminary  press  Press!  prevent  previous  print  Printed  printer  printers  printing  private  pro  problem  process  product  professional  Professor  Profits  program  programmable  programmer  programming  promoting  proof  proper  properties  property  ProPublica  Protector  proven  provide  Provider  provisional  psn  psnAtlanta  Publish  Publishing  pulled  Punch  pure  put  quality  question  questionable  questions  Questions)  Quick  Quora  R  Raguvanshi  raid  rails  raise  ralph  Random  rate  rating  ratings  razor  RCD  Reactor  read  Reading  ready  Real  really  rear  reCAPTCHA  Recent  recording  recurring  Red  redFlag  redFlags  refer  reference  referencing  referral  Referrals  refill  Refilling  reflect  reflector  register  regular  rehab  Reinhold  Relationships  Reload  remote  remove  repeated  repeats  REPLACEABLE  replacement  report  Reports  Request  requirements  Resale  Research  resevoir  responding  responsive  rest  restore  Restuff  retirement  Retractable  Retracting  Reveals  review  reviews  revolving  reward  RGB  richardson  Right  rights  rip  rob  roll  rollover  ron  roof  room#5  root  roots  rope  rotation  rotational  Roth  router  rubbers  rulers  run  runaway  RWD  safe  Safely  Safety  salary  sale  Sales  salesForce  same  sample  sampleCode  Sanjeev  Sanyal  Satellite  Savvas  saw  say  Saying  says.  Scale  scam  scan  ScanSnap  scarf  schedule  scheme  schmidt  School  Schultz  Scientists  scratch  Screen  Screencast-O-Matic  screencastomatic  screwing  script  Seal  search  Search|  seat  Seattle  Seconds.  Secrets  secure  security  seek  Seekers:  seen  seer  selected  Selector  sell  semipermanent  Senate  Senate_  send  Sending  Sensing  sensor  Sentry  sentryLogin  seo  Separator  Sergio  series  serious  server  Session  set  setup  sewing  shade  Shape  shaped  share  shares  sharing  she  sheet  sheets  Sheridan  Shipping  shirt  shop  shopBuilt  shopping  Shopvac  shorts_  should  show  showcase  shows  shroud  sick  side  siemens  sight  Sightseer's  Sign  signature  signs  similar  simple  Simple:  single  Single-Action  site  sitting  size  Skills  sled  Sleep  slice  slide  slider  sliders  Sliding  Slow  small  smaller  smart  Smarter  Smashwords  smell  snap  snowman  so.  Social  SocialMouths  Society  software  solution  solutions  some  someone's  something  sonu  sort  sound  soundcloud  source  space  spammers  spamming  speak  speaking  speed  sphere  spherical  spigot  Spotify  Spreadsheet  spy  sql  SSAT  Stacking  stake_  standard  Starbucks  start  started  Starting  state  Statement  States  static  Station!  statue  Steel  STEM  step  Step-by-Step  StepByStep  steps  Sticky  stock;  stocks  stocks_  Stool  stop  storage  store  storm  storm’  straight  strategic  strategy  strip  Strongest  stubble  Students  style  Styles  submit  subordinate  subscription  Success  Sudden  suggested  suit  supervisor  support  supw  surge  surrounding  swap  Switch  sxg  system  Systems  t-shirt  T-Track  tab  table  Table!  Tablet  tag  take  takes  taking  task  tax  taxes  td  tech  Technology  television_  template  Ten  Tesla  test  Testimony  text  text.  Than  that  the  theLadders  there  Theresa  These  thesitewizard  theTileApp  they  thief's  thin  Things  think  this  thisOldHouse  those  thread  three  tie  tier  TILE  Time  Timeline  timeLine  Tiny  tip  TIP:  tips  Tire  title  to  tobuild  today  toilet  TOOL  toolTip  top  touchless  tour  tourism  tourist  tow  towBar  trade  trail  training  transport  Trap  traps  Treatment  Treehouse  trick  tricks  Trim  trimmer  truck  trust  Trustee  truth  truth_  TSLA  Turn  turning  turns  tutorial  Tutorial:  Tutorials  TV  two  Typecast  typeWriter  Typing  Typography  U.S.  Ultimate  under  Understanding  Uni  United  universities  university  unix  Unlimited  unraveling  up  updated  Upgrade  upload  upon  urgent_  us  Usa  USB  use  used  usedbyme  user  user's  users  users.  using  usNews  uspto  vac  vaccuum  Vacuum  valign  van  vehicle  vehicular  vent  verification  versus  very  Veteran  via  video  videos  View  viral  visited  Visualization  vocabulary  Voice  w  w3schools  wall  wallace  Walter  want  warren  was  washer  washing  Washington  WashingtonPost  Watch  water  Waterfall  Waterloo  way  ways  we  web  webBrowser  Weber  webpage  website  Website:  websites  Welch  Welcome  Welding  well  Welsh  wendel  West  wet/dry  what  What’s  wheel  when  Where  wherever  whether  while  whisperer  whole  WHS  why  wi-fi  width  wifi  Wiki  will  window  windows  winxp  Wired  wireless  with  without  wizard  woman  wonderful  wood  WOODSHOP  woodshop.  Woodworking  WOODWORKING  woodworkweb  word  wordpress  words  work  workBench  Workbench  Workgroups  Working  Workout  works  workshop  World  World's  World:  Worth?  would  WP  write  wrking  wsj  WSJ.com  XP  xxxraj@xxxatlanta.com  Yanko  yankoDesign  years  you  your  yousician  youtube  YouTube|  Zero  _"  |  ||  |||  «  ​Four      ‘perfect  ‪swap 

Copy this bookmark:



description:


tags: