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	If you have a dual hot and cold faucet, make sure that the faucet is always all the way to the cold side. If you turn on the water with it to the hot side, it will fire up the water heater wasting energy even if you have the faucet on for only a short time and the warm water never reaches the faucet.
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	You are 15 times more likely to die from flesh-eating bacteria (one in 1 million) than to win the lottery (one in 15 million) Source: motherjones.com
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Financial Terms

American Depositary Receipt

Commonly referred to as an ADR, this how the stock of most foreign companies is traded in US stock markets. It's a security issued by a U.S. bank in place of the foreign shares held in trust by that bank. This facilitates the trading of foreign shares in the various US markets.

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