I remember back when Virgin money hopped on the tracker bandwagon years ago with the line that active investment managers rarely performed well and indeed charged heavily for it.

Trackers claim to be cheaper entries into the investment market and typically appeal to an investor through cost but many investors are paying way through the nose for such a scheme. Fidelity international for example cut their costs to 0.1% per year (a tenth of the cost of most competitors) back in 2005.…

When the day you've been waiting for is coming up, you've surely got plenty on your plate to deal with. Many future brides worry so much about the dress, the invitations and the reception that they overlook one of the most important elements of their wedding day. Don't wait until the very last minute to make decisions about your wedding makeup.

It's best to experiment ahead of time to find out what works the best for you. Your wedding makeupshould be complimentary of your gown and…

Someone who is a worrier, negative, pessimistic or impatient might see a delay as bad when another person who understands the concept of there are things we can control and there are things we can't control so why get all upset about something you can't control or if you can control it get busy.

In the end everything that happens - just happens and what we do novinky interpret it all based on our expectations, goals, needs or mindsets…

vGeneral Artificial Intelligence is a term used to describe the kind of artificial intelligence we are expecting to be human like in intelligence. We cannot even come up with a perfect definition for intelligence, yet we are already on our way to build several of them. The question is whether the artificial intelligence we build will work for us or we work for it.

If we have to understand the concerns, first we will have to understand intelligence and then anticipate where we are in…

A survey conducted by NVP revealed that increased usage of Big Data Analytics to take decisions that are more informed has proved to be noticeably successful. More than 80% executives confirmed the big data investments to be profitable and almost half said that their organization could measure the benefits from their projects.

When it is difficult to find such extraordinary result and optimism in all business investments, Big Data Analytics has established how doing it in the right…

Morphine overdose can occur accidentally if you are taking a prescribed medication for pain or if you take too much recreationally. Since this drug stimulates intense pleasure in the brain it is extremely addictive and in most cases morphine overdose occurs accidentally by addicts taking the drug without a valid medical prescription.

If you or someone you know is taking morphine or a pain killer that contains morphine you have to be very careful with the doses. You should also be very…

Getting a car driving license in Netherlands for an expat is considered to be a very difficult and at the same time a very expensive proposition. There is lots to be done, right from attending theory classes, to taking driving lessons, to giving practical tests etc..and yet there is no guarantee that one will surely pass the difficult Dutch license test.

But if one falls under the knowledge migrant category of expats, getting a driving license becomes both easy and inexpensive.

It…

1. It is a mistaken belief that playing chess is a god-gifted art and barring reaching an ordinary 'cognizable standard' you cannot improve. The 'cognizable standard' means you are reaching to the standard which makes you only recognize the good and bad points of the game but without any ability to develop your game accordingly. No doubt, it is a game of superior intelligence. The alertness of the mind, capacity to contemplate on and select the right future are some basic requirements…

Learning to play chess is one thing, being very good at it is another. Nobody became great at chess overnight! There are several things that set chess masters apart from great chess players.

Aside from getting a good grasp at the difference chess pieces' capacity, becoming a great player takes practice and perseverance. That's why magnetic chess sets are so advantageous...you can easily play chess anytime and anywhere.

Magnetic fields, created by small magnets inside the bottom…

Chess sets have long been used in homes for recreation. They are also often displayed as beautiful decorative pieces that can make a statement in any room. Whatever your reasons for having one, homes are just not complete unless there is a chess set located there somewhere!

There are many different uses for a beautiful chess set, from beginner play to expert play, and of course, for decorative value. But the very best reason to have one is that anyone, at almost any age, can engage in…

In the game of chess people have recorded the moves for centuries. The way they have done this is by a system called chess notation. It is a short way of writing down each move so it can be properly recorded and communicated.

The alphabet is used extensively in chess notation due to the fact that one side of the chess board is lettered from a through h. The chess pieces are also represented with the alphabet letters. When the King is used, it is represented by a K, a queen is shown by…

Much has been written about the benefits of the game of chess for all age levels but chess is especially beneficial for children. Even Benjamin Franklin had praise for the game, inspiring him to write his Morals of Chess book.

Beginning around age seven, chess has proven to improve concentration, teach teamwork and patience, improve reading and math scores, develop self-confidence, enhance critical thinking, promote creativity and introduce strategic planning.

Make Chess…

Chess is one such game which we all love to play. It never bores us. We love the way our brains work overtime to strategize the best tactics to win the game. No one wants to lose any how! We enjoy every bit of the game. Chess sure does make us smarter. It has many benefits which are obtained only by the player of the game.

There are times when we are free or bored and don't understand what to do to pass the time. Chess comes to our rescue. We just need an opponent who will play with…

The hamlet of Woodmere, New York is one of 5 communities collectively known as the Five Towns located in Nassau County Long Island. Located about 15 minutes from John F. Kennedy (JFK) airport and 10 to 15 minutes away from great shopping. Woodmere is home to about 20,000 people and is slightly less than 3 square miles in size.

Most homes in the area were built in the 1950's and 1960's,…

If you recently moved to the Village of Malverne or conduct business here, you may or may not know that it may be a challenge to hire a plumber who is properly licensed in the village.

Before I discuss the potential challenges, lets review some basic facts of the Village of Malverne, New York, USA...

Malverne was settled by a tribe of American Indians knows as the Rockaway Indians in…

It is always a good idea to have the telephone number to your local plumber in your phone book. After all, you never know when you will need to give your plumber a call. You may be planning a major bathroom home renovation project, and plumbing emergencies happen at the most inconvenient times.

It is a good idea to have a working relationship with a plumber. It is better to know who will be coming to your home in an emergency. This is especially important for single women as they may…

The majority of home owners understand the importance of finding skilled, reliable professionals to work in their property, no matter whether it's HVAC, plumbing, or roofing. Their home is one of the most crucial parts of their life; but it's also likely to be the most costly. They only want the best for their home and that's why it is really important for them to locate the highest quality service. If you value your house, you should book the best plumbers.

You don't want to hold off…

The term plumber originates from the Latin expression "plumbum" which refers to lead. Traditionally the water pipes in homes were all made of lead, nevertheless due to the threat of lead poisoning most regions have prohibited lead water pipes. The concept can also refer to leveling, as a plumb line, as well as to plumb the depths of something. Read below to discover why you should use plumbers.

A plumber can be described as a licensed and well-qualified expert whose main…

You will never remember a plumber until problems are sore and give you a run of a lifetime. It could be a choke up due to missing bobby that belongs to your kid or a big spurt of fountain in the new lavatory. In any case, a plumber is necessary, then why not look at the benefits of hiring a plumber, of course a licensed professional. Getting the work done is the first priority although doing it methodically comes loaded with tons of advantages often unforeseen and truly helps to avert…

Many people in the business community are still skeptical of the value of social media. Some feel that it's a fad and others approach it with trepidation as a result of marketers continually ramming it down their throats that they need to 'get with the picture'.

I find it presumptuous to think that if you're not engaged with social media that it's hurting your شراء لايكات تويتر .

Social media is just that, it's 'media'. It's not…