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That's all for today - thanks for reading and posting comments.
Lending margins at the "Big Four" banks are headed for all-time lows, throttled by competition for a share of the fast-growing housing market and as cash-rich corporates rein in bank borrowing amid a sluggish economy.
Net interest margins for NAB, CBA, ANZ and Westpac shrank 5 basis points to 2.08 per cent in the six months to March 31, according to a biannual analysis by PwC.
Margins are close to the all-time low of 2.05 per cent set in 2008, PwC Australia's financial services leader Hugh Harley said after NAB rounded off the Big Four's half-yearly reporting season with yet another record profit - but reported a drop in its NIM to 1.94 per cent, the lowest of the Big Four.
Further falls to current margin levels are "likely as banks increase competition for business," he added.
Ratings agency Moody's also sounded a word of caution, warning that a sharp jump in house prices fuelled by historically low interest rates could become a credit negative for Australian banks over the next 12 months.
"Australian house prices have been rising rapidly in recent quarters, raising concerns with regard to their sustainability and the possible negative impact on the quality of Australian banks' residential mortgage portfolios," Ilya Serov, a Moody's vice president and senior credit officer.
The markets gains were led by the big miners but other blue chips also performed well:
- Rio: +1.4%
- Fortescue: +4%
- Westpac: +1.2%
- Telstra: +0.8%
- Woolies: -0.2%
- Wesfarmers: +0.1%
Here are the biggest winners and losers among the top 200:
The sharemarket has closed higher, led up by the big banks and miners.
The benchmark S&P/ASX200 index rose 41 points, or 0.8 per cent, to 5476.8, while the broader All Ords gained 36.8 points, or 0.7 per cent, to 5455.9.
Among the sectors, materials jumped 1.3 per cent, financials added 0.8 per cent, while gold lost 1.6 per cent.
NAB shares are up 0.9 per cent at $34.14, after this morning dropping as much as 1.5 per cent in the wake of mixed earnings.
Despite the turnaround, Morningstar analyst David Ellis says the slide in the bank's net interest margin during the half is particularly worrying. The margin which fell nine basis points to 1.94 per cent during the half, putting it well below the rest of the big four.
He's also concerned about an 11.6 per cent increase in costs during the half, leaving it with significantly higher costs than its major rivals.
''All the profit growth was due to significantly lower bad debt, which is a good thing, but the underlying profit in the core business was very, very sluggishly,'' he says. ''There's a lot of work that needs to be done for NAB to move closer to peer group levels.
But Ellis says the bank's profitability will rise as business credit growth lifts and the bank has been at a disadvantage compared to its rivals due to its relatively smaller exposure to the booming housing market.
Expect a rate hike before the end of the year as the jobless rate has peaked and job ads are on the way up, HSBC chief economist Paul Bloxham says:
- We expect the labour market to continue to improve and for the unemployment rate to fall more rapidly in the second half of this year. If this turns out to be the case, we would also expect businesses to start to consider boosting their new capital spending in coming months, as a lift in hiring is typically accompanied by new investment.
- On the rates outlook, history suggests that a turn in the unemployment rate is a necessary condition for the RBA to start lifting its cash rate. If the unemployment rate has passed its peak, as seems likely, this suggests that the next move for the RBA is likely to be up and it is now just a question of timing.
- One way to assess timing may be to look at the relationship between the job advertisements numbers, as a share of the labour force, and the cash rate. Adjusting job advertisements in this way tend to make them a smoother guide to turning points in the labour market than the unemployment rate (see chart).
- The chart shows that previous turns in the cycle of job advertisements have almost always resulted in a change in direction for monetary policy. However, the chart shows that the length of time between the turn in the cycle of job advertisement and a change in the cash rate has varied significantly cycle-to-cycle. Indeed, over the past 15 years the lag has been between 1 and 11 months.
- Interestingly though, if this historical relationship holds and given that the job advertisements seemingly turned the corner in January, this historical relationship would suggest that the cash rate could be lifted before the end of this year. This supports our view that the RBA's next move is up and tait is likely to arrive before year-end. This is well ahead of current market pricing.
Job ads a forward indicator for rate moves?
Rio Tinto chief Sam Walsh has brushed off Baosteel and Aurizon's tilt to resurrect the stalled $7.4 billion West Pilbara Iron Ore project, saying the iron deposits were too low grade to be any threat to Rio and it would be a long, hard road to bring it to fruition.
He said the grades of the West Pilbara project's undeveloped ore resource of more than 2.2 billion tonnes were "chalk and cheese" when compared to the quality of Rio's product.
"Bringing on projects is getting far more complex and far more difficult," Walsh said, speaking after Rio's 2014 annual general meeting.
He said the lead time for bringing on a project between finding a resource and the start of operation had blown out from an average of 10 years to 27 years.
Chinese steel giant Baosteel is trying to wrest control of the billions of tonnes of iron ore stranded in the west Pilbara by lobbing a joint $1.42 billion bid with rail haulage major Aurizon for Perth junior Aquila Resources.
A Credit Suisse note said the iron ore grades across the first stage of the West Pilbara project were about 57 per cent Fe.
Walsh would not be drawn on the deteriorating iron ore price, and whether $US110 was the "new normal", but stressed that the underlying fundamentals of Chinese demand were strong.
Despite Prime Minister Tony Abbott promising before the last federal election that there would be no new or increased taxes under the Coalition, it is believed the government will reintroduce the twice-yearly indexation of petrol excise.
John Howard froze the indexation in 2001 in response to voter anger over the GST and soaring petrol prices. This cost the budget billions in revenue over subsequent years but kept petrol prices lower and helped Howard win the 2001 election.
But Treasurer Joe Hockey is reportedly considering raising the excise by up to three cents a litre, or even reinstating indexing of the charge, as part of Tuesday night's federal budget. The ABC is reporting that it has confirmed the decision to raise the levy in the budget.
The excise hike on petrol will be the second tax increase in the budget, joining the deficit tax to be imposed on high income earners as an income tax hike.
Both constitute broken promises. Abbott, who will commission a tax white paper, had promised before the election that any tax increases would be part of a broader tax reform agenda for which he would first seek a mandate at the next federal election.
Coles' parent company has defended the supermarket giant's incoming boss despite him being implicated in allegedly pressuring suppliers to make unfair payments to the company.
Wesfarmers chairman Bob Every said the board holds John Durkan, who is set to take control at Coles in July, in high regard.
''We think he's an outstanding executive with a good track record,'' Every told AAP. ''In the retail area there is always very vigorous negotiations between retailers and suppliers.''
The competition watchdog is suing Coles to stop it from extracting around $16 million a year from small suppliers in payments it says are unconscionable and unfair.
Overnight leads seduced the local markets higher and Aussie equities bowed to the temptation, CMC sales trader Betty Lam says:
- After the previous session's mass exodus, the bargain hunters and traders were back by the droves. Volumes were notably higher across the session as investors stepped off the sidelines to erase most of yesterday's losses in morning trade and ahead of employment data release.
- NAB is the final cab off the rank to release interim bank results. Returning slightly softer than analyst forecast, the bank stood as the lone underperformer when compared to its other bank-peers in early trading. As the market marched closer to 5500 target, NAB was swept up in the fervour and switched from red to green and traded over 1% higher by the afternoon.
- FMG turned its fate around following a week under heavy selling pressure. The iron ore producer found support around the $4.66 level and has been on the receiving end of buying support. Despite iron ore prices weakening overnight, bottom pickers have targeted Fortescue with the stock up 3.5% over the trading day.
Takeover target Envestra is mulling a rival proposal to APA's $2.1 billion scrip offer, with some investors suggesting that rebel shareholder Cheung Kong Infrastructure may have made a last-minute approach about a potential cash bid.
The news of an "alternative proposal" revealed by Envestra in a shock announcement today comes just days before shareholders in the gas distributor are due to vote on APA's offer.
However that deal was far from a certainty, given Hong Kong-based CKI, controlled by Asian billionaire Li Ka-shing, has opposed the takeover by APA and has a big enough stake to block the transaction.
Envestra halted its shares from trading ahead of an announcement on the shareholder meeting it is due to hold next Tuesday to vote on APA Group's offer. The gas distributor said it was requesting the halt pending the statement related to the meeting "and the receipt of an alternative proposal".
Two Envestra investors contacted by Fairfax Media said they suspected the alternative proposal had been made by CKI. They thought the possibility of APA, which already owns a third of Envestra, making a modified bid was less likely, partly because APA hasn't halted its shares from trading.
"In any case it has to be positive for Envestra shareholders," one investor said.
Company directors are losing faith in the Abbott government's ability to improve business conditions and consumer confidence ahead of its first budget on Tuesday, according to a survey.
The Australian Institute of Company Directors' biannual Director Sentiment Index, which surveys more than 500 company directors, finds overall sentiment has fallen seven points in the first half of 2014 after a significant post-election bump in the second half of 2013.
Sentiment remains in negative or "pessimistic" territory, at -21.9 points, but is overall slightly higher than the same time last year.
At present only 30 per cent of directors believe the federal government is having a positive impact on their business decision making and on consumer confidence, down from 70 per cent and 80 per cent respectively in the second half of 2013.
"The results suggest the honeymoon period for the coalition has ended," AICD chief executive John Colvin said. "Directors are more pessimistic about the future health of the Australian economy, with just under half expecting it to be weak over the next 12 months. For the first time in the three-year life of the Index, directors expect the US economy to outperform the domestic economy in the next year."
Sixty per cent of directors believe personal tax is already too high - a sign that the government's debt levy on high income earners, to be introduced in next week's budget, will not be well received by the group.
More than 80 per cent of directors do not see a budget surplus as an important priority over the next three years.
Regional markets are trading higher, after Federal Reserve Chair Janet Yellen said the US still needs stimulus and China's trade data beat estimates.
- Japan (Nikkei): +1.2%
- Hong Kong: +0.5%
- Shanghai: +1.1%
- Taiwan: +0.5%
- Korea: +0.2%
- Singapore: +0.4%
- New Zealand: -0.2%
''The very carefully directed speech by Janet Yellen has put markets in a more cautiously optimistic tone, and de- escalating tension in Ukraine is definitely helping as well,'' said Desmond Chua, a strategist at CMC Markets in Singapore. ''The sharp sell-off in more recent sessions is starting to see some form of a respite and that should feed through to most of the Asian markets today.''
The market doesn't look overpriced despite a high price-to-earnings ratio given the improved profits environment, Deutsch Bank says.
A broad-based improvement in earnings momentum in Australia is helping to drive stock prices higher, particularly in cyclical stocks, which benefit from their exposure to economic growth, equities strategist Tim Baker has found.
Baker says the price-to-earnings (P/E) ratio for the local sharemarket stands at 14.5 times, which is a little higher than the long-run average of 13.5 times and therefore looks more expensive. But he argues the marked improvement in earnings momentum justifies a lot of this.
- While the P/E was a lot cheaper in FY11 and FY12 [11.5 times-12 times], earnings were being continually downgraded. So the P/E being paid for the earnings that investors actually expected was higher – actually 13.5 times using realised earnings.
- In that context, the current multiple of 14.5 times isn't that high given earnings forecasts are holding up. Over the past 25 years, the market has paid 15.3 times for the next year of delivered earnings.
The ACCC has lodged a cross-appeal relating to the Federal Court's penalty judgement in a price-fixing case against Flight Centre, arguing the $11 million of penalties are not enough to serve as a deterrent against future anti-competitive conduct.
Flight Centre last month lodged an appeal against the judgement in the case and the penalties.
In the case, the travel agent was accused of illegally fixing prices for international flights by attempting to collude with Singapore Airlines, Malaysia Airlines and Emirates over a four-year period.
The Federal Court ruled in December that Flight Centre had competed with airlines for the retail or distribution margin on the sale of international fares and had sought on six occasions to stop them from undercutting it on these fares. It then imposed $11 million of penalties in relation to five of the six established contraventions.
The ACCC said its cross-appeal will contend that four of those penalties imposed do not provide adequate deterrence, given the judge's findings about the nature of the conduct and the size and financial strength of Flight Centre.
Shares in the world's largest drilling company, Boart Longyear, have plunged to all-time lows after the company's rig utilisation rate and revenue fell in its first quarter.
Boart, which made a net loss of $US620 million in 2013, said revenue continued to fall at the beginning of 2014 as the company shed more staff and began a strategic review.
Shares dived as much as 19 per cent and are currently down 15 per cent at 24.75 cents.
Revenue was $US197 million in the three months to March 31, down from $US370.2 million in the 2013 first quarter. Rig utilisation fell to 32 per cent, from 39 per cent, in the previous corresponding quarter, Boart said.
''Utilisation rates remained at relatively low levels during the first quarter of 2014, driving a 47 per cent reduction in revenue compared to the first quarter of 2013 and a 91 per cent reduction in adjusted EBITDA (earnings),'' Boart said.
Still, the company said cost reductions of more than $US80 million for 2014 were on track and more than $US800 million of reductions had been achieved in 2013.
No end for Boart investors' pain: shares hit a new all-time low.
China's trade data show signs of recovery but continue to understate the true health of the export sector, Capital Economics chief economist Julian Evans-Pritchard says:
- Although export growth was stronger than most had expected, the weak growth is still likely to be read by some as a sign of strain in China's export sector. However, April's low export growth was, as in previous months, largely caused by rampant over-invoicing of trade to avoid capital flows last year, which has created an artificially strong base for comparison.
- These distortions appear to have resulted in exports to Hong Kong and Taiwan, via which most of the over-invoicing took place, contracting by 30% in y/y terms last month. In contrast, exports to the rest of the world grew 10.2% y/y, which suggests that external demand remains healthy, a view supported by strong export growth in Korea and Taiwan last month.
- Import growth appears to have suffered from similar distortions with much of the weakness concentrated in imports from Hong Kong and Taiwan, which contracted 12.4% last month. That said, imports to the rest of the world grew by just 2.3%, which hints at a legitimate slowdown in imports.
- Looking ahead, healthy demand in external markets should continue to support exports. Moreover, because Chinese officials appear to have cracked down on over-invoicing around this time last year, the distortions that have pulled down headline export growth look set to fade.
- In contrast, we expect import growth to remain relatively weak as slowing property activity weighs on commodity imports. As a result, China is likely to continue to post large trade surpluses this year.
Following on from the last post, China imported 83.39 million tonnes of iron ore in April, up 12.75 per cent compared with the previous month, data from the customs authority shows.
Imports for the first four months reached 305.3 million tonnes, up 21 per cent on the year.
The increase was driven by high production rates at Chinese steel mills over the month, caused by a pick-up in seasonal demand, although slower-than-expected growth had dragged prices down by 3 per cent in April, the fifth consecutive monthly loss.
Imports of copper rose to 450,000 tonnes in April, up from 420,000 tonnes in March.
Second boost for the dollar - this time from Chinese trade numbers, which are much better than expected.
Exports rose 0.9 per cent in April from a year earlier, while imports rose 0.8 per cent, leaving the country with a trade surplus of $US18.5 billion for the month, the Customs Administration said.
That compared with market expectations of a 3 per cent fall in exports, a 2.1 per cent fall in imports and a trade surplus of $US 16.7 billion.
The trade data took the Aussie up to the day's high of 93.70 US cents, nearly half a cent higher than before the local jobs numbers were released.
Strong jobs numbers and a surprise rise in Chinese imports lift the dollar.
Caltex Australia's refining business flowed more red ink in the March quarter, justifying its decision to close one of its two refineries and focus more on importing and marketing.
The refining business recorded a loss of $41 million, down from a $43 million profit in the March quarter last year as Asian margins on converting crude oil into petrol and diesel sank, Caltex shareholders heard today.
Chief executive Julian Segal said Asian refining margins dropped to just $US8.78 a barrel in the March quarter, compared with $US13.60 a year earlier. The refining business reported a loss of $171 million last year.
But the marketing business has continued to gain strength, recording earnings before interest and tax of $200 million in the March quarter, up 5 per cent from a year earlier, despite the sale of the bitumen business late last year.
Caltex shares are up 1.9 per cent at $22.21.
Some analysts are not convinced that the latest employment figures tell the truth about the Australian labour market, amid bets that an unemployment "tidal wave" is not too far off as the economy struggles to shift the balance of growth away from the fading mining boom and faces up to a low growth outlook.
Baillieu Holst quant strategist Mathan Somasundaram expects another half a per cent rise in the unemployment rate in the short term given expectations of substantial job cuts across the car and airline industries, as well as telco sector, manufacturing, government and the ever shrinking mining industry will create a vacuum for jobs in 2015.
"The rising cost of living pressures in mortgage, food, energy, education and health are to hit home," Somasundaram told social media news service Livewire, adding that he also expects "substantial job cuts in Canberra, and property prices in that area to pullback in 1-2 year time frame."
Somasundaram said that based on consensus data, the two year corporate growth outlook is at extremely low levels, which suggests that there won't be a lot of hiring in the years ahead.
With this season's bank earnings out of the way (CBA will provide a quarterly update but no earnings report later this month), CMC has provided a helpful overview of payouts and ex-dividend dates:
- Ex-dividend 9th May
- 83 cents fully franked
- 3.51% dividend return including franking credits, based on yesterday's closing price of $33.77
- Ex-dividend 14th May
- 90 cents fully franked
- 3.73% dividend return including franking credits, based on yesterday's closing price of $34.50
- Ex-dividend 14th May
- 99 cents fully franked
- 4.18% dividend return including franking credits, based on yesterday's closing price of $33.84
- Ex-dividend 14th May
- 1.60 cents 40% franked
- 3.13% dividend return including franking credits, based on yesterday's closing price of $59.90
Looking at the short term dividend ROI, NAB is likely to pick up the bulk of the dividend switching once ANZ begins trading ex div, CMC says.
The labour market is increasingly confirming those earlier signs of a peak in the unemployment rate and turn-up in jobs growth, says CBA economist Michael Blythe in a first reaction to the jobs numbers:
- It reinforces the RBA's shift to a neutral bias, and a trend if it continues that will see them towards a tightening bias.
- For the budget, if the labour market is improving it will help hold down government spending and boost government revenue, an earlier turn in the labour market is positive news for the budget bottom line.
- We have had a rate rise pencilled in for November for a while, and this indication of a peaking in unemployment is consistent with that.
The Australian dollar has shot up about a third of a cent to the day's high of 93.62 US cents on the back of the strong employment data.
The jobs numbers are out - and once again they're better than expected.
The jobless rate remained at 5.8 per cent in April, defying expectations of a rise to 5.9 per cent, while the economy created 14,200 new jobs, well outstripping the predicted 8,800 new jobs.
All of the new jobs created were full-time.
It seems like job cuts is the theme of the day ... rail operator Aurizon will cut another 480 jobs in its Queensland maintenance operations as it continues slashing costs after scaling back its locomotive fleet.
Aurizon is shrinking the locomative fleet by 28 per cent and cutting its wagon fleet by 12 per cent by fiscal 2018 to simplify the type of rolling stock it uses, which has included 59 kinds of locomotives and 297 kinds of wagons.
"A smaller and more productive fleet means less assets, resources and employees are required to maintain the fleet, while meeting growth and customer requirements," the company said.
Aurizon plans to stop providing maintenance services to Queensland Rail, which operates passenger services, and cut jobs at workshops in Townsville and Redbank.
Shares are up 0.6 per cent to $4.91.
Australian investors are increasingly taking on more risk when it comes to buying assets offshore with a surge in demand for international equities but a drop in the appetite for savings accounts which are bound by historically low interest rates.
A new survey by Certitude Global, titled the "Investing Intentions Index" (CGIII), found that net demand for global investments among Aussie investors rose 5 per cent to a reading of 186 points, up from 177 in March – which is a record high for the index and follows a 15 per cent rise in March.
The increase suggests investors are becoming more confident about taking on risk as global share markets continue to march higher post-financial crisis, on the back of improved earnings and economic growth.
Returns also look superior to safe-haven investments such as savings accounts, which are struggling to perform with interest rates remaining at a record low.
Equities continued to lead the charge in the March quarter, with demand for both Australian and international shares far outstripping that for other asset classes such as property, term deposits and exchange-traded funds. The index found that demand for term deposits has been falling since February this year.
The sharemarket has opened higher, led up by the big miners, while NAB is the only one of the big banks to fall after posting a mixed earnings report.
The benchmark S&P/ASX200 index has risen 35.3 points, or 0.6 per cent, to 5471.1, while the broader All Ords has added 32.5 points, or 0.6 per cent, to 5451.6.
All sectors are higher apart from gold, which has dropped 1.8 per cent. Materials are up 1.1 per cent, financials have added 0.5 per cent.
Here are the main winners and losers among the top 200:
Takeover target Envestra halted its shares from trading ahead of an announcement on the shareholder meeting it is due to hold next Tuesday to vote on APA Group's $2.1 billion takeover offer.
The gas distributor said it was requesting the halt pending the statement related to the meeting "and the receipt of an alternative proposal".
APA's bid to take over the 67 per cent of Envestra it does not already own has been hanging in the balance because of the opposition to the deal by its second-biggest shareholder, Hong Kong's Cheung Kong Infrastructure.
CKI's two representatives on APA's board have pointed to the greater risk profile involved with APA's business and criticised the small premium that the gas pipeline giant is offering to take control of Envestra
Rio Tinto's chairman Jan du Plessis has given shareholders a pessimistic view of global financial markets in the short to medium term.
Du Plessis cited Europe as a chief source of volatility, including tensions in Ukraine, the slow pace of reform and structural re-adjustments, low interest rates, low growth and low inflation.
''Financial markets continued to be volatile in 2013 and while the outlook is now brighter in some parts of the world, we believe that volatility looks set to remain in the short to medium term as a number of structural deficiencies remain unresolved,'' he said at the company's annual general meeting in Melbourne.
Despite optimism that economic growth would be stronger in the United States, the unwinding of quantitative easing by the Federal Reserve Bank represents uncharted territory, du Plessis said.
''While the fundamental drivers of the Chinese economy remain intact, we can expect some variability in the near term as authorities endeavour to steer the economy along a more sustainable and steady path of growth'', he said.
''There is no question, however that the Chinese leadership remains committed to pursuing economic reform which offers potential benefits for the global economy in the long term, even if there is some variability along the way.''
Interesting tweet on the incredibly rapid concentration process in the US banking sector (hope you can decipher the names):
How 37 banks became 4 in just 20 years http://t.co/8sttCbcYhS pic.twitter.com/dfaqMa4vmZ
— Ian56 (@Ian56789) May 7, 2014
NAB has come under pressure from investment bank forecasts over the past month and it is understandable as the bank is running at the thin edge of the margins, which has certainly come home to roost, writes IG's Evan Lucas in a morning note:
Net interest margins have fallen to 1.94%, down nine basis points which is on par with the regional banks, and four basis points below consensus. The surprise in today's earnings report is the dividend of 99 cents, which was five cents ahead of consensus, he adds.
Lucas says the bright spots in the numbers are:
- UK assets are showing continued signs of improvement and will ramp up speculation of a possible spin off
- Bad and doubtful debts plummeted 52% to $528 million on the east coast recovery and the UK assets
- Strong capital generation and a tier-1 ratio that is improving to 8.67%
But there are a number of disappointments, especially regarding the performance of the Australian business, Lucas says:
- Wealth management, while increasing funds under management, fell slightly quarter-on-quarter. This is despite the fact that CBA, WBC and ANZ are all championing their financial services prints.
- Australian margins are also struggling as NAB looked to ramp up its retail and business portfolios. Volume has improved, but it appears at the detriment of earnings.
Lucas' bottom line: On the headline numbers it appears that NAB has again finished last in the four horse race.
Qantas expects to achieve $800 million of its three-year $2 billion cost savings target by June 2015 after having completed 4000 of its planned 5000 job cuts during that period.
In a presentation to the Macquarie Australia Conference in Sydney today, Qantas chief executive Alan Joyce provided fresh details of the airline's cost-cutting plan.
He said the airline would look for a 10 per cent reduction in costs, excluding fuel, and wanted to lower the cost gap with rival Virgin Australia to around 5 per cent in a move that would increase Qantas's margin advantage.
Qantas is targeting positive free cash flow from the 2014-15 financial year and a reduction of over $1 billion of debt during that time.
Joyce said challenges for the business included high competitive intensity in all markets and an elevated Australian dollar fuel price.
Qantas expects to reduce its number of full-time employees by 2200 by the end of June and another 1800 by the end of June 2015. That will mean only 1000 reductions will be left to be made in the 2016 and 2017 financial years.
AMP wealth management has reported a 72 per cent jump in net cash flows for the first quarter, helped by increased business in its retirement products, ahead of the company's annual general meeting in Melbourne today.
In a statement to the ASX, AMP's total assets under management rose to $101 billion in the three months to March 31, from $100.5 billion in the December quarter.
AMP's chief executive Craig Meller, who is expected to front investors at the company's AGM in Melbourne today, described the overall result as "solid" and added that the company's focus on Asia, was "starting to deliver results," while performance of the company's insurance business was in line with guidance.
Yesterday's broad-based equity plunge looks set to be countered should positive overseas leads be absorbed as expected, says CMC sales trader Niall King:
- Languishing iron ore prices saw mining stocks come under the pump and investors cashing in some of their gains in the banks resulted in the benchmark index staggering lower over the past week.
- However, investors could be set for some respite this morning after NAB joined the list of banks to produce the earnings goods although some caution may come to the fore ahead of the monthly employment data.
- Following Yellen's testimony overnight, equity markets in the US recovered some of their recent losses having endured a turbulent week as blotches surfaced on the corporate earnings picture. Cheap money remains on the table for the foreseeable future in an economy that continues to grind out positive data, maintaining an environment conducive to bullish activity. However, equity valuations have raced ahead and more compelling fundamental evidence may be required to take indices beyond their recent highs.
- A relentless week of economic releases continues this morning with the local employment reading followed by trade balance data from China. With each data piece crucial to traders of the Aussie, a positive display on both fronts may be required for the Aussie to hold on to US 93 by the end of the local session.
National Australia Bank has painted a bleak outlook for the Australian economy and warned that additional provisions might be required for its troubled UK operations, as it lifted its cash earnings by 8.5 per cent to $3.15 billion in the six months ended March 31, just missing expectations.
Australia's fourth-largest bank boosted its interim dividend by 6¢ to 99¢, just ahead of expectations for a 98¢ dividend.
The result is the last to be delivered by chief executive Cameron Clyne, who will be replaced by Andrew Thorburn in the coming months. Clyne has spent much of his tenure attempting to clean up NAB's legacy issues, including its disastrous foray into the UK.
Clyne said he was pleased with the improvement in the performance of the UK businesses, which was restructured in 2012; UK banking cash earnings rose 121 per cent on the March 2013 half year.
However, conduct-related costs for the period – which largely relate to the mis-selling of payment protection insurance – totalled £128 million, and the bank said: "There remains a wide range of uncertain factors relevant to determining the total costs associated with conduct related matters and there is risk that additional provisions will be required."
Cameron Clyne has spent much of his tenure attempting to clean up NAB's legacy issues, including its disastrous foray into the UK.
Local stocks are poised to open higher on a positive lead from Wall Street where stocks rebounded after Federal Reserve chair Janet Yellen flagged low rates for longer to support the US economy.
What you need2know:
- SPI futures up 29 points to 5455
- AUD at 93.26 US cents, 94.9 yen, 67.04 euro cents
- On Wall St, S&P500 +0.56%, Dow Jones +0.72%, Nasdaq -0.32%
- In Europe, Euro Stoxx 50 +0.31%, FTSE100 -0.03%, CAC +0.41%, DAX +0.57%
- Spot gold down $US18.03 to $US1290.02 an ounce
- LME copper up $US1 to $US6720 a tonne
- Brent oil up $US1.10 to $US108.16 per barrel
- Iron ore down 0.9 per cent at $US105.10
What's on today
National Australia Bank: First-half results
Jobless figures for April at 11.30am AEST.
Stocks to watch
Companies hosting AGMs: Rio Tinto, AMP, Caltex Australia, APN News & Media, GPT Group.
Investment banks are preparing pitches for Port of Melbourne's $5 billion privatisation, with the Victorian government expected to interview for sell-side advisory roles within weeks.
Deutsche has a sell recommendation on Wesfarmers Ltd and a 12-month price target of $39 on the shares which are hovering at around $42.77.
JPMorgan has kept its 'Overweight' recommendation on Downer EDI after the company reaffirmed its guidance for the 2014 financial year of about $215 million.
Good morning and welcome to the Markets Live blog this Thursday.
Due to a 24-hour strike at Fairfax after more redundancies were announced yesterday, the blog will be operating in a trimmed down version, with updates likely to be less frequent than usual. We hope for your understanding.
Your editor today is Jens Meyer.
This blog is not intended as investment advice.
BusinessDay with wires.


text:
Whitey and Donnie
By Craig Muder
INDIANAPOLIS — Whitey Herzog was in the middle of a story when the unassuming man with the dark eyes walked into the hotel lobby.
Herzog, who 11 hours earlier learned he had been elected to the Baseball Hall of Fame, had shaken countless hands and seen countless faces throughout Monday afternoon. But Whitey didn't need to look twice to know that Donnie Baseball had just entered the room.
"I just had to stop and say congratulations," said Don Mattingly, the Los Angeles Dodgers' batting coach and an Indiana native in town for baseball's Winter Meetings.
A beaming Herzog shook Mattingly's hand and exchanged a few pleasantries. And just like that, Mattingly was gone.
But for Herzog, the memories came flooding back.
"That guy was a heckuva player," said Herzog, who never managed a regular-season game against Mattingly's Yankees during Mattingly's career — and yet clearly appreciated the Yankee captain's skills. "For four or five years — until the back injury got him — he was as good as there was in the game."
Mattingly will make his 10th appearance on the Baseball Writers' Association of America Hall of Fame ballot this year.
Herzog, meanwhile, is already a Hall of Famer — having been named to the Class of 2010 along with umpire Doug Harvey by the Veterans Committee on Monday.
For two of baseball's biggest names of the 1980s, it was a fitting — if all-too-brief — reunion.
Craig Muder is director of communications for the National Baseball Hall of Fame and Museum.

subset: commoncrawl


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Ann Taylor's Shoe Boutique
Fall head over heels for Ann Taylor's new shoe boutique, featuring a gorgeous array of heels, flats, and "shooties" in rich autumnal hues and textures. We're loving the classic camel-and-black peep-toe pumps — made to endure those long days at the office — and the playful leopard-print flats for the weekend. Prices ring in from a modest $78 for a pair of ballet flats to $148 for suede peep-toe ankle boots, so there's ample reason to nab a pair (or two) for the new season.
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Drug Notes
UPMC Patient Education Materials
Calculators and Assessment Tools
Anatomy Navigator
Conditions Navigator
Lupus anticoagulants are antibodies against substances in the lining of cells. These substances prevent blood clotting in a test tube. They are called phospholipids.
Persons with these antibodies may have an abnormally high risk of blood clotting.
Most often lupus anticoagulants are found in persons with diseases such as systemic lupus erythematosus (SLE).
Lupus anticoagulants may also occur if:
You have conditions such as:
Some people have no risk factors for this condition.
You may not have any symptoms. Symptoms that may occur include:
The following tests may be done:
Often, you will not need treatment if you do not have symptoms or if you have never had a blood clot in the past.
Take the following steps to help prevent blood clots from forming:
Your doctor may prescribe blood thinning medicines (such as heparin and warfarin) to help prevent blood clots:
You may also need to take blood thinners for 3 to 4 weeks after surgery to lower your risk of blood clots.
Most of the time, outcome is good with proper treatment. Some people may have blood clots that are hard to control with treatments. Symptoms may recur.
Call your health care provider if you notice symptoms of a blood clot, such as:
Harris ED, Budd RC, Genovese MC, Firestein GS, Sargent JS, Sledge CB. Kelley's Textbook of Rheumatology. 7th ed. St. Louis, MO: WB Saunders; 2005.
Todd Gersten, MD, Hematology/Oncology, Palm Beach Cancer Institute, West Palm Beach, FL. Review provided by VeriMed Healthcare Network.Also reviewed by A.D.A.M. Health Solutions, Ebix, Inc., Editorial Team: David Zieve, MD, MHA, Bethanne Black, Stephanie Slon, and Nissi Wang.
For help in finding a doctor or health service that suits your needs, call the UPMC Referral Service at 412-647-UPMC (8762) or 1-800-533-UPMC (8762). Select option 1.
UPMC is an equal opportunity employer. UPMC policy prohibits discrimination or harassment on the basis of race, color, religion, ancestry, national origin, age, sex, genetics, sexual orientation, gender identity, marital status, familial status, disability, veteran status, or any other legally protected group status. Further, UPMC will continue to support and promote equal employment opportunity, human dignity, and racial, ethnic, and cultural diversity. This policy applies to admissions, employment, and access to and treatment in UPMC programs and activities. This commitment is made by UPMC in accordance with federal, state, and/or local laws and regulations.
Medical information made available on UPMC.com is not intended to be used as a substitute for professional medical advice, diagnosis, or treatment. You should not rely entirely on this information for your health care needs. Ask your own doctor or health care provider any specific medical questions that you have. Further, UPMC.com is not a tool to be used in the case of an emergency. If an emergency arises, you should seek appropriate emergency medical services.
For UPMC Mercy Patients: As a Catholic hospital, UPMC Mercy abides by the Ethical and Religious Directives for Catholic Health Care Services, as determined by the United States Conference of Catholic Bishops. As such, UPMC Mercy neither endorses nor provides medical practices and/or procedures that contradict the moral teachings of the Roman Catholic Church.
© UPMC Pittsburgh, PA, USA UPMC.com


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Thursday, July 4 2013
Greenleaf Pottery: Classes in Wheel Thrown Pottery
Classes offer firsthand experience of the entire pottery-making cycle. Beginning emphasis is placed on working with one of the fifteen potter's wheels. Beginning as well as advanced students are welcome. Sets of eight week classes are offered Tuesday or Thursday evening 6 to 9 p.m., year-round. Sign up now to reserve your place.
Call or go to the website for more information. 860-528-6090, www.greenleafpottery.net
Meditation Series in Trumbull
Meditation series with Lenore Pranzo, guided imagery therapist. Learn to meditate through guided imagery, a skill which can be drawn upon whenever you need to relieve your stress and anxiety. Class is held at Fairfield County Integrative Family Medicine and Healing Therapies, Trumbull, CT. For more information call (203) 445-9060 or visit www.integrativefamilypracticect.com.
Trumbull, CT 06611
Discover 19th Century Inventions at New Lockwood-Mathews Mansion Museum Exhibit
Victorian era gadgets, technologies and breakthroughs will be on display at the Lockwood-Mathews Mansion Museum beginning April 17th through October 6, 2013. What Is It? Technologies and Discoveries of the Victorian Era will engage student and adult audiences in the exploration of mid-to-late 19th century inventions and discoveries in many diverse areas including communication, transportation, manufacturing, medicine, food and recreation.
Visitors will view cutting-edge Victorian Era technology that were precursors of some of today's technologies, including telegraphs, dictaphones, gas lighting and early examples of telephones, burglar alarms, stock tickers and much more. They will discover items we still see today, from board games to food such as condensed milk and breakfast cocoa. Artifacts on display include loans from Connecticut's Mattatuck Museum and the Museum of American Finance, New York City, among others.
The What Is It? exhibit is curated by Raechel Guest. Guest is a Smith College graduate with a Master's Degree in Collection Management from the prestigious Winterthur Museum. Professor Steven Lubar, a history of technology expert, serves as a special advisor. Professor Lubar is Professor of the Departments of American Studies, History, and History of Art and Architecture at Brown University.
The exhibit is made possible thanks to a grant from the Connecticut Humanities (CTH), a non-profit affiliate of the National Endowment for the Humanities that funds, creates and collaborates on hundreds of cultural programs across Connecticut each year. CTH brings together people of all ages and backgrounds to express, share and explore ideas in thoughtful and productive ways. From local discussion groups to major exhibitions on important historical events, CTH programs engage, enlighten and educate. Learn more by visiting www.cthumanities.org.
The Lockwood-Mathews Mansion Museum's 2013 cultural and educational programs are made possible by generous funding from the LMMM Distinguished Benefactors: The Xerox Foundation, Klaff's, Mrs. Cynthia C. Brown and The Maurice Goodman Foundation. The Museum's Education Program is made possible in part by a generous donation from AT&T.
Tours for the museum and exhibit are offered Wednesdays through Sundays, at noon, 1 p.m., 2 p.m., and 3 p.m.
Simsbury Community Band Summer Concert Series
The Simsbury Community Band will hold its annual July 4th concert on Thursday, July 4th at 7:00pm at Simsbury Farms Ice Rink, 100 Old Farms Road in Simsbury.
The concert is free, but you will need to bring comfortable seating. We will play a myriad of patriotic music for you so we can celebrate July 4th together! There is an ice cream social at Simsbury Farms at 6:00pm before the concert.
Red, White, & Blue Animal Scavenger Hunt
This self-guided hunt will challenge visitors to find all of the animals sporting patriotic colors. (Ex. red wolf, white swans, (blue) poison dart frog) - and many more! Enjoy a special "Animal Bytes" presentation about the American Bald Eagle.
Dürer, Rembrandt & Whistler: Prints from the Collection of Dr. Dorrance T. Kelly
One of the most distinguished local collections of prints has been assembled by Dr. Dorrance T. Kelly. While his collection has been comprised primarily of American twentieth-century prints and prints by John James Audubon, in recent years he has also collected Old Master and nineteenth-century works extensively.
These encompass splendid sheets by the great German printmaker Albrecht Dürer (1471 - 1528), including a rare etching, woodcuts, and engravings of such iconic images as his Nemesis of 1502.
Dr. Kelly's Dutch prints include several of the rare engravings after the influential Adam Elsheimer (1574 - 1610) by Hendrik Goudt (1583 - 1648), and no less than twenty-eight images by the highly experimental printmaker Rembrandt van Rijn (1606 - 1669), ranging from early works of the 1630s to mature impressions from the 1650s.
His eighteenth-century holdings include sheets by the great Italian artists Canaletto (1697 - 1768) and Giovanni Domenico Tiepolo (1727 - 1804) and several fine sheets from Los Caprichos by the renowned Spanish artist Francisco de Goya y Lucientes (1746 - 1828).
Completing the collection is a group of etched cityscapes and figure studies by James Abbott McNeill Whistler (1834 - 1903). Together the collection attests to the quality of some of the greatest printmakers in Western Art.
Hours of visitation: Tue.-Fri. 10 a.m.-5 p.m., Sun 1 p.m.-5 p.m., closed on Mondays
Eastern Connecticut Symphony January Concert
The Eastern Connecticut Symphony concert series begins the New Year on Saturday, January 11, 2014, at 8 PM at the


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Agony, ecstasy: Election night 2012
Published On: Nov 07 2012 10:13:24 AM PST
Updated On: Nov 07 2012 01:47:44 AM PST
The moods couldn't have been more different at the election night rallies for President Barack Obama and GOP challenger Mitt Romney.
The views expressed are not those of this company or its affiliated companies. By posting your comments you agree to our Terms of Use.


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Appendix stories:
Music: http://www.newgrounds.com/audio/listen/412869
1. Origin of demons:
It all began with Armageddon, fire raining from the sky, followed by eternal winter, sundered ground, and legendary typhoons. Contraptions of science brought destruction to all but a few, and many among the few were mortified at the physical change forced upon them in such a short time. Many were dying, while we looked to magic for salvation. We caught a glimpse of the magic to our salvation, but it was making us weaker to all that's around us above surface. So, we dug deep into earth and never returned.
Generations past, we dug deeper than the dwarven tunnels, deeper than underground cavers, and found our new home near the core of our world. Life there was difficult, but the location resonated without our magic, keeping us alive. We built a glorious civilization, at the depth of our world, cut off from our ancient brethrens on the surface. We are now troglodytes. As we became accustomed to our new home, our diversity also expanded. Many discovered new magics differing from our traditional magic, and these magic were quickly outlawed while their practitioners prosecuted. We, the minority who struggled for free practice of our variety of magic, found ourselves defeated in a civil war, and found ourselves locked away forever into an alternative dimension for imprisonment. Here, we discovered monsters of atrocity and terror, and we were their prey.
Generations passed, our perseverance won. We now lord over the domain that was once our prison, and we have found ways to expand our dimension to accommodate for growth. Our home is such a hellish environment, with uncanny similarity to legends of old, we thus simply named it "hell", and we called ourselves "demons", the proper inhabitants of hell. Now, our armies are vast, our hatred burning, and once the gates of hell opens, all in the mortal realm will suffer our wrath. They will learn what their long lost brethrens had endured.
2. Story of dwarves and troglodytae:
Resources near the surface dwindling, the dwarves had no choice but to dig deeper. A band of dwarven adventurers dug deep into the earth, and discovered mysterious hibernation chambers. A hideous monster lurked the dark chambers, and it lunged at the brave explorers. It took the dwarves by surprise, but the adventurers soon pinned the monster on the ground. To their surprise, the monster spoke to them with its last breath, a foreign tongue they could not understand. As it died, the dwarves saw the entirety of their assailant, under the flickering torch lights. The creature was tall, perhaps even as tall as the elves; its body is slim, but muscular; its skin pale, covered in black robe; its hands large, with clawed long fingers; its head large, completely bald; its eyes... Where are the eyes? Where the eyes should have been, there were two raised skin patches with color matching the rest of the body. To prepare for future hostile encounters, the dwarves dissected the creature for vital structures, and were surprised to find it similar to their own. Strange creature, the dwarves thought, and moved on. The dwarves discovered caverns full of mesmerizing crystals, and they decided to mine some to show their fellow dwarves of the new discovery. The crystals were harder than any materials encountered by the dwarves thus far, leaving the stubborn dwarves laboring over a single crystal for hours, finally making a crack in the crystalline structure. Before the dwarves could rejoice, the crystal exploded.
The monster that attacked the party of dwarves was a troglodyte keeper. Its mission was to watch over chambers full of his people, in hibernation. His death by the hands of dwarves magically triggered the awakening of his brethrens. From the smoldering chambers the awakened troglodytes discovered the charred bodies of their loved ones in hibernation along with several blackened corpses of alien beings. The new discovery tore the troglodyte society apart. Some desire isolation, claiming the incident to be ignorance of alien explorers. However, most regarded the alien race as a threat to their home, especially those who lost their family members during the incident, vowing revenge. In addition, all soon realized, the magical explosion of the crystal amplified the waking signal by the death of keeper, returning all troglodytes to livelihood. There are too many mouths to feed, and not enough resources. The isolationists dug deeper, in search of new resources, while the rest prepared for war.
The dwarves were taken by surprise. Magic rained from above, below, and all around them. Several strongholds were stormed before the dwarven kings gathered to make a stand against the troglodyte onslaught. In the midst of the war, a mysterious group appeared at the dwarven footstep.
3. Legend of world creation from an ancient human tome:
At first, there was nothingness, then the gods were born and thus there was evil and good. The good and the evil battled, and each grew more powerful the longer they battled... and finally a gigantic explosion broke out from their clash, destroying them both. Their bodies entwined, then scattered, forming the stars, the sky, and the ground itself.
Millions of years passed, fire oceans became watery oceans, ocean floors became mountains, and mountains became deserts. Suddenly, a single voice appeared in the world, then another, then another. The gods were born from the heavens, spirits were born from the sky, and mortals were born from the earth. The world was once again in turmoil. Initially, the mortals practiced magic and science equally. With times changing, mortals abandoned knowledge and civilization, and became preoccupied with brutal wars between factions and races that nearly drove them to extinction.
With times changing, the mortals rediscovered knowledge, but only of the science half, and discarded magic as superstition. Mortals lived in gigantic cities with elves and humans above ground while the dwarves underground. Preoccupied with science, they lost touch with nature around them, and apocalypse finally caught up with them when they unleashed powerful weapons of science upon each other.
Some survivors became terribly mutated and deathly ill. They turned to study magic, which kept them alive. The magic they practiced turned them weak against the sunlight, so they dug deep into the ground and was never heard from again. Some other survivors rose from the ashes and began the rebuilding of their homes. They have also turned to magic, despising science for what it has done to them.
Generations passed, magic is now powerful in the world, with science all but forgotten. At first, wars were not uncommon, but eventually the mortals learnt to live in peace. Peace was dreary. Mortals sought after ascension, and discovered the secret. Thus they defied the gods, and they battled the gods. The gods struck the mortals down and took their magic. By the will of the gods, fiery ocean once again consumed the land, with few lucky survivors continued on living, thus began our era.
(Scholars discovered this text at 215 YW, speculated to be over 2000 years old)


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June 17, 18 and 19, 20, 2014. June 17 is set-up day with an evening clinic.
This high-mountain community sits at the foot of some of the Rockie's best
and most spectacular climbing and scenery in southwest Colorado, near Telluride. The area was the backdrop for True Grit (John Wayne).
All meals are provided, and catered. Breakfast and dinner are served at the campsite. Lunch is in the field,
and also provided, as are snacks and drinks. Vegetarian and special-needs diets
are accommodated.
Anyone with an interest in climbing photography is qualified. Previous courses
have included novice to pro photographers, and some students have gone on to professional
photography careers.
No. You only need to be enthusiastic about climbing photography.
Paid enrollment is limited to 15 students to maintain a high student-to-instructor
Yes. Depending on the location of the shoots, the class with either stay at a group campsite or cabins.
Drive to Ouray. The nearest airport is in Montrose, about an hour away. Grand Junction, two hours away has more regular flights. Denver is the closest major hub, and is five hours away.
100% refund 45 days before the first day of the class. No refund after 45 days.
If you are not satisfied with the class you can receive a full refund!
$1,599, includes campsite and amenities, meals, snacks, drinks and photography
permits. Camping (tent, pad, bag) and climbing gear are provided if needed.)
Ouray has a variety of rock including conglomerate sandstone and limestone. The Pool Wall, near the hot springs pool, is the local favorite crag. Some routes are rope accessed. Rock and Ice staff will provide fixed ropes and help you get into position. This area is among Colorado's most scenic, and was the location for John Wayne's movie True Grit.ENROLL IN THE ROCK AND ICE 2014 CLIMBING PHOTO CAMP
Now in its eighth year, this three-day course puts you in the field as a professional photographer, under the watchful eye of climbing's top pro shooters. Learn the tricks for lighting, composition, getting in position, anticipating movement and more, from the photographers who have succeeded in the field.WHAT TO EXPECT
Days are spent in the field shooting some of the sport's top climbers. Previous climbers have included Tommy Caldwell, Dave Graham, Beth Rodden, Sasha DiGiulian, Jon Cardwell, Carlo Traversi, Mayan-Smith Gobat, Chris Schulte and others. At the crag, our crew of top athletes will climb while you shoot and receive instruction. In the evenings you'll return to the group campsite for a catered dinner, photo processing, and a critique of your day's work by the instructors. The goal is to improve your photography each day and have you go home with professional-level photos.MEET OUR INSTRUCTORS
This year's instructors are David Clifford, former photo editor of Rock and Ice and Trail Runner, and Keith Ladzinski. David has been published in Outside, National Geographic Adventure and other leading magazines. To view his work click here. Keith Ladzinski is a leading sports photographer who has worked for Outside, ESPS, the New York Times, Men's Journal and numerous other publications and media outlets. To view Keith's work click here.Other instructors include Rock and Ice editor Jeff Jackson and
publisher Duane Raleigh, and art director Randy Levensaler.
Each student will receive a photo-assignment agreement—you'll be shooting as a professional, gaining invaluable insight into the field, and getting the opportunity to have your photos published in Rock and Ice. Every student will get the opportunity to have photos published in a gallery on rockandice.com. To see the galleries from 2012 and 2011, click here and here. To see the latest, from 2013 click here.RESERVE YOUR SPOT
This a unique photo camp, and the only one of its kind in the climbing world. The Photo Camp fills quickly; we suggest you reserve your place as soon as you can. A 50% deposit guarantees you a place in the Photo Camp. The balance is due 20 days before the start date. IF YOU REGISTER AND ALSO WIN THE PHOTO CAMP CONTEST, YOUR DEPOSIT WILL BE REFUNDED.Email: firstname.lastname@example.com or
June 17 - 20, 2014
Includes campsite and amenities, meals, snacks, drinks and photography permits.
Camping (tent, pad, bag) and climbing gear are provided if needed.)
David Clifford
View David's Work
Keith Ladzinski
View Keith's Work


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5 Reasonable speed, but a great price.Dead1nside | 01/04/2011 | See all Dead1nside's reviews (6)I bought mine at 24.99 and I'm glad I did, it's crazy how low flash prices have gotten. A year ago it cost as much to buy a 16GB SD card.As the other reviewer has noted, this appears to be a Class 4, the one I received is like the picture and denotes Class 4 on its exterior.As always, it's good to test SD cards for fakes with a utility like h2testw, and the results prove that it is not fake and indeed a Class 4 card:Test finished without errors.You can now delete the test files *.h2w or verify them again.Writing speed: 4.46 MByte/sReading speed: 9.53 MByte/sH2testw v1.4
5 Excellent PriceThatGuyDavid | 03/08/2012 | See all ThatGuyDavid's reviews (12)Got this for twelve quid total bargain for 32GB capacity. The card isn't the quickest in the world but if your just using it for photos this won't be an issue.
5 Excellent SD cardiamatree | 05/03/2011 | See all iamatree's reviews (4)When I ordered two mine were both Class 4 cards so I think the description might be out of date or I just got lucky.Works great in my laptop computer!
4 Works great with my Panasonic HD CamcorderCamMix | 17/01/2012 | See all CamMix's reviews (1)This works great with my Panasonic HD Camcorder. I bought this here for 17.99, but then Play put the price up to 24.99!
5 BrillClaireChyriwsky | 21/09/2014 | See all ClaireChyriwsky's reviews (1)No problems with the product fast delivery and the chaepest I could find.


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Complete your bachelor's degree in one of three programs with Lesley University right on the Bunker Hill Community College campus.
If you have your associate's degree from Bunker Hill Community College, you already possess half of the 120 credits needed to graduate from one of Lesley's Bachelor's Degree Completion Programs in three exciting majors:
Continue your education to open up new career possibilities, or to enhance the work you currently do in your field. You may even be eligible for financial aid through Lesley University's Financial Aid Office, making earning your bachelor's within your reach.
Bachelor of Science in Business Management
Bachelor of Arts in Psychology
Bachelor of Science in Early Childhood Studies
Lesley at Bunker Hill Community College
Financial Aid
Request more information
Get your application started today!
At the low price of $430* per credit, Lesley's degree completion programs at Bunker Hill Community College are affordable and within your reach.Tuition: $430/credit x 60 credits = $25,800
Registration Fee: $15 per eight-week term
*Rates are subject to change.


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The Rivs/Blues made a goalie and D change. We shipped out Toivonen and D-man Danny Richmond for Rockford Icehogs D-man Daryl Boyle and Goalie Joe Fallon.
Armstrong also headed to St. Louis on a call up.
Moderator: LGB Mods
blueline wrote:Armstrong also headed to St. Louis on a call up.
Return to St. Louis Blues Discussion
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Collector's Fabric Box
No longer available
- Overview
These little boxes are just the place for a child to tuck her small treasures. They're wrapped in cotton percale with charming designs that combine embroidery, layered fabric and yarn.
- Bird: 3.25" square, 3" high
- Flower: 4.5" square, 3" high
- Handcrafted box is covered in cotton fabric with appliquéd icons and embroidered details.
- Use to store special belongings and other small items.
- Dimensions & Care
- Walls are made from an engineered wood and covered with cotton fabric.
- Spot clean with a white, slightly damp cloth.
- Shipping Info
Please allow 5-7 business days for delivery. Delivery estimate includes monogrammed and gift-wrapped items.


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Frequently, ePal finds itself with overstock and end-of-season items that just need to go so that we can make room for newer products that are in season. Here you'll find great items at even better prices, sometimes as high as 80 percent off.
Now we know what you're thinking: It's just another bargain bin, like you see at every store. These products are all junk and ePal is just trying to get rid of them because no customers wanted to purchase low-quality equipment, right?
While that may be true some stores, with ePal it's a different story! You'll find some fantastic deals in our closeout section on perfectly good marine electronics and supplies that we just don't have any room for in our warehouse. Whether you're a commercial fisherman, boating professional or just a hobbyist looking for a good marine GPS unit for your skiff, you're almost guaranteed to find something that you need for your vessel in our closeout section.
Perhaps the best part about our closeout specials is that they're not limited to any particular product category. You can find GPS receivers, marine radios, ropes and sheets for sailboats, lights, XM Radio units, fishfinders and more! Almost any boat parts that we normally carry in other sections of our store can be found as a closeout item.
Not everyone needs the newest or flashiest Garmin, Lowrance or Raymarine equipment for their boat. Sometimes they just want a product that is reliable and, most importantly, inexpensive. At ePal's closeout section, these shoppers are almost certainly going to find something that meets their needs and price range. As an added bonus, most of the items you see in this area qualify for free shipping to the lower 48 states.
If you have any questions about this section or the boat accessories we sell, feel free to contact ePal today by calling (877) 245-8649.


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Banker's Task Table Lamp
No longer available
In the style of vintage bank lamps, this handsome piece has an adjustable arm that allows you to shine light where you need it most.
8" wide x 8" deep x 25" high
Crafted of brass with a polished nickel finish.
Pivots and adjusts to direct light where you need it.
On/off switch on cord.
Title 20 compliant lamps will be shipped to CA addresses.
Learn more
to understand product differences.


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StartUpHire is the place to find Engineering jobs in and near Somerset. Review the list of Engineering Somerset career opportunities to the left. These Engineering jobs represent some of the most rewarding careers available.
You can refine your job search for Engineering career opportunities in Somerset by adding a job title, company name, or keyword to the search box above … or click the "Advanced Search" link for more options.
Don't see the employment opportunity you're looking for? Check back soon for more Engineering jobs in Somerset, or sign up for an email alert (link below) to receive periodic updates on new Engineering jobs in Somerset, NJ.
At Makerâs Row, Product Managers are highly organized and results driven team leaders that work closely with our engineering and design teams to develop innovative web products for our two-sided marketplace.
2/19/2015 Brooklyn, NY Save This JobThe AppNexus UI team is hiring a UI Manager to build out its leadership team. Reporting to the Director of UI Engineering, this person will lead and mentor five UI engineers, one of three UI Engineering teams, as part of a cross-functional team.
1/13/2015 New York, NY Save This JobAppNexus is looking for an accomplished engineering leader to own, design, develop and support the company's ERP systems globally. The ideal candidate brings proven experience leading and building a team as well as managing critical finance-related
1/22/2015 New York, NY Save This JobThe Data Science research and experimentation cluster is a brand new platform, and it needs an experienced software/systems engineer to help us run it. This individual will sit in the Core Data Science Engineering function within the broader Data Science team. You will be
2/10/2015 New York, NY Save This JobAs a software engineer on the Site Reliability Engineering team, you will be responsible for building out new automation capabilities to measure and validate the AppNexus platform. You will primarily develop code in PHP or Python and leverage open source testing technologies such
2/12/2015 New York, NY Save This JobThis is a unique opportunity to create a new class of products for the advertising industry. You will be part of a team that functions like an independent start up, but yet is part of a fast-growing industry leader. You will have a chance to help create industry-changing
2/27/2015 New York, NY Save This JobAppNexus is looking for an accomplished engineering leader to own design, development and support of all CRM (SalesForce.com), ERP and BI systems. The ideal candidate must have demonstrated progressive leadership building and managing business critical applications and teams.
2/10/2015 New York, NY Save This JobAppNexus Data Platform receives nearly 200TB of advertising data daily generated by 40+ bn advertising transitions. We are looking for an Engineering Leader who will own, design, develop, and support the processing of transactional data, from ad-serving to processing data, to
3/5/2015 New York, NY Save This JobOUR MISSION IS TO BRING THE CERTAINTY OF SCIENCE TO THE ART OF BRAND MARKETING. At Tremor Video, we?re transforming the video advertising experience across all screens for the world?s leading brands. Our proprietary brand-performance technology, VideoHub, offers advertisers,
2/10/2015 New York, NY Save This JobID 2014-1784 Job Locations US-NY-New York City Category Engineering Travel .. Level .. Options: Apply for this job online Refer a friend to this job More information about this job: Overview: MediaMath is a confluence of media, technology and massive amounts of data. There
1/12/2015 New York, NY Save This JobDirector, Creative & Media Engineering As the lead engineer and driving force behind our NYC engineer team, you?ll be responsible for building two of our most important parts of the Spongecell platform - the Creative and Media systems. The Creative system includes our ad units
12/30/2014 New York, NY Save This JobYou are eligible to apply to this position if you are currently a Computer Science major pursuing a Bachelor?s or Master?s degree and looking for a software engineering internship in the summer of 2015. If you are graduating in Winter 2014 or Spring 2015 please apply to the
1/31/2015 New York, NY Save This JobBusiness Development and Sales New York, NY Apply Now Send Jobvite Sales Engineering Manager?? As platform and solutions become a larger percentage of our offerings, OpenX needs a strong Sales Engineering organization to deliver proof points, help drive deeper relationships and
1/19/2015 New York, NY Save This JobNew York, NYFull-time Company Description Smaato is the leading global mobile RTB ad exchange and helps mobile app developers and publishers increase ad revenues worldwide. As an industry pioneer and leader, Smaato provides Ads for Apps, and operates the leading RTB ad exchange
1/19/2015 New York, NY Save This JobNew York, NYFull-time Company Description Smaato is the leading global mobile RTB ad exchange and helps mobile app developers and publishers increase ad revenues worldwide. As an industry pioneer and leader, Smaato provides Ads for Apps, and operates the leading RTB ad exchange
1/19/2015 New York, NY Save This JobThis is a technical leadership role where you will be interfacing with product management, both internal and external engineering teams, QA, and Operations. You will work with other senior members of the engineering team to define the engineering roadmap of real-time analytics
12/30/2014 New York, NY Save This JobSUMMARY: BioLite is looking for engineering interns! As a social-impact startup launching its first products, we are confident it will be a fun, productive, and rewarding experience for you and for our team. Your work will include assigned asks and side-by side collaborations
11/29/2014 Brooklyn, NY Save This JobCreated on Thursday, 22 January 2015 00:00 Princeton Lightwave develops and manufactures cutting edge opto-electronics products for defense, medical, industrial, telecommunications and automotive markets. We are looking for an exceptional candidate to take on a leadership
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Hiya, all! It's my favorite time of day: snack time! Usually around 4pm or so, I prepare my snack (sliced cheese/fruit/unsalted almonds), and every other day I sit down to blog to my favorite Tonner Peeps (you!). And no, I'm not ruining my dinner. Today, though, I'm trying something different: I'm blogging as myself […]


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...to warn of ticket price increases?
Strickland seems to go out of his way bring this up whenever he can lately.
It has gone beyond news/inside info, and now it's just spin.
I guess the Blues didn't want to use their "official PR team" to break the news, but they have Strickland out there trying to soften the blow and make fans understand.
Could this be anymore transparent?


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The College'News Vol. XVIII, No. 3 WAYNE AND BRYN MAWR, PA., WEDNESDAY, OCTOBER 21, 1931 Price: 10 Cents Dr. Hart Works on Hoover Committee Sabbatical Spent in London and Capital Deals With' Social Trends. DEPRESSION DISCUSSED Dean Explains Policy on Which Orals Based Dr. Hart spent a part of his last rear's sabbatical working in Washing- ton for "President Hoover's Committee on Social Trends." He was at the head of one of the thirty projects which the committee is conducting. He was asked by Mr. W. F. Ogborn whether it would be possible to de- termine any changes in quantitative measures of changes since 1900, with re- gard to such matters as the alleged de- cline of belief in religion, the looseness of morals, and the attitudes toward isola- tion in the field of international politics, and toward preparedness versus disarma- ment. The report will he published in the spring. Pr. Hart dealt mostly with period- ical literature at the Library of Con- v. gress. He had a small staff and enjoyed his work, approaching shelves of bound volumes as "a geologist ap- IM-oaches the strata of the earth's sur- � face."�^---------- r Dr. Hart spent the other part of his, sabbatical in London, doing work for 11imself,......He.__finds. ..h,Qwe.yer, (hat Bryn Mawr, with its beautiful campus, is also very favorable.to work. His l)ook, The Technique of Social Progress, which was published in September, it the result of work done here, and might be called a general survey of social trends, to which his studies for President Hoover provide an intensive supplement, dealing as they do with recent social trends on the socio-psycho- logical side." Although the depression is more an economic than a social problem, Dr. Hart said that his studies had given him one slant: before the war there was a great wave of social reform in America. Afterwards, however, when Europe went socialistic, we went in the opposite direction; we adopted the Continued on Face Five Since there has been a great deal of misunderstanding about the orals Dean Manning explained to the Junior Class on Thursday the policy_ on which they are based. The language examinations were started with the idea that the French and German ' 'languages should be known- by all Bryn Mawr graduates. The student had four chances to pass an oral ex- amination in both during her Senior year. Objections were raised after a time that this spoiled the student's Senior year at college. A new plan was begun, based on the idea that the burden should not be left until the student's Senior year. Everyone should have at least tried both exams by the spring of her Junior year and passed by the fall of her Senior year. Exceptions were made in borderline cases on the condition that the Senior attend a tutoring class and spend at least two and one-half hours a week in preparation for this class. The col- lege gives ibis course out of the good- ness of its heart, as if were, and every student is expected to keep up with the work, it is by this plan that the orals are.conducted. The cqllege has under its consideration requiring only one modern language examination from those who entered on Greek, but this has not been definitely decided. Dean Finds Too Much Time Spent on Work 1930-31 Statistics Show Over- Work; New Recording Requested. CHANGE QUIZ SCHEDULE courses than was allowed them. Last year with the new schedule there may j their sister class with a bright green "nave"been some overwork due to the | banner according to the custom of the Dr. Frantz Speaks on__ a Career in Medicine Japanese Freshman Describes Her College ______ � It is always interesting to learn the point of view of the foreign student who has worked under educational systems differing from those in Amer- ica. Shizu Nakamuara. the Japanese girl in the FYeshtnan Class, describes for the News the college from which -he came: "Before I came to America I was in Tsuda College in Tokyo which was founded thirty years ago by Miss Unit Tsuda who had been "a student, and a demonstrator in the biological labora- tory at Bryn Mawr. It has now about 400 girls, and this fall it moved to the suburbs of Tokyo, to the new beautiful buildings and campus, given by alumnae, and friends: but while I was there the college was still in the city and .more than half of the students came from the city and its vicinity;� the dormitory was about a mile away from the campus. Therefore the main college life went on during the day, mtt&lly from nine to three in flic iirit'r- nooh, when the student went home. We had ten minutes of recess every hour and one hour after lunch and we utilized the time as -much as we could, discussing literature, philosophy, inter- national relations, economics, sociol- ogy, etc., as the courses of the college Ml-I I . � �� __ |.---------------� � I I ' ''.-----------� were along these lines and also it was then that we talked about what had happened and what we had done while we did not see each other over night." When asked for her experiences in this country and her ideas about col- lege Shizu continued, "When ' I left Japan last year I had quite a definite idea that I shall study economics and sociology here, but while I was. pre- paring myself for College Boards at the Kirk's School last year, I found Caatlaacd oa Pmje Faar Medical Instructor Explains Its Nature, Requirements and Interest. DISCOURAGES FEMINISTS On October 15 Dr. Virginia Knee- land Frantz, Bryn Mawr, 1918, spoke on "What medicine has to offer in general." Dr. Frantz said that while she knew what the young people of 1890 and 1910 were after, she is not sure whether we of 1931 are looking for mere entertainment, for intellectual satisfaction, or for service to mankind. Medicine fills all three of these needs. For entertainment it supplies work and leaves no time to be unhappy. One meets pleasant, though not often learned, people both in the research laboratory and in clinical practice. A man can make a good living in medi- cine and a woman a fair one. The intellectual side of medicine is. in teach- ing. There is HO chance for a very high position but a high position would probably be much less interesting. For the curious, laboratory research would hold intellectual interest, ami also clinical practice if one is able to detach one's mind from the personal interest and keep to the problem of the disease. . Those whose interest lies in personalities do not contribute much constructive thought Today there is none of the call to serve mankind that was roused by the war. and if W� have that motive in our nature any profes- sion is as good a medium of expres- sion as medicine. To go into medicine one should have good health and enough money to dis- count the necessity of working to pay one's way. Women must remember that they have to be relatively better than men to get ahead. Very few poor men really succeed in medicine. and practically no women. One In chapel last Tuesday Mrs. Man- ning made a statement of the number of hours spent by each student on her lessons for each week according to the undergratuate statistics taken las! year. These statistics were made up from the work of an average group of students and showed about six hours per week over what the Dean's office expects the students to spend on work. Mrs. Manning said that it would be advisable to take off this extra work- ing time if the College expects to keep up its physical education and extra curriculum activities. It is also quite obvious that the student who studies continuously does her work far less perfectly than the one who takes time for recreation.____ . These statistics also seemed to mean that more work was put on certain Junior Skit Is Take- Off of Smoking-Room The Lowest Depths, given by the Jun- iors on Banner N'ight. was a great suc- cess, although it has usually been the custom to have a faculty skit. Ostensibly the play was written by Anton Chcck-Out, which was the Juniors' manner of acknowledging their debt to the famous champion of the commonplace; in reality each actress created her own part, which took its place in the whole by means of two practices under the direction of I.eta Clews. The result was a skit full of decided and natural characterization worthy of Checkov himself. The seri- ous students of Bryn Mawr found them- selves quite capably mirrored in the wis- dom of Miss Brues, the sarcasm ,and cynicism of Miss Yeakel, the didacticism of Miss Kindelberger and her satellite Miss Chalfont and the aestheticism of M iss Busscr. On the other hand, this imposing array of intellect $was relieved by the complete "otherworldliness" of Miss. Dodge and Miss Webster and the bouncing qualities of the "brat." Miss Lee. The atmosphere of the smoking room in which the scene was laid be- came <|uite convincing and amusing al- though it was not particularly an atmos- phere of exam times as the Juniors would have us think. After the skit the Juniors presented Remove Week-end Ban as Epidemic Ceases Aspects of the Infantile Paralysis Are Explained by Dr. Wagner. should be able to afford good food and living, no extra work, and an intern- ship in a good hospital, many of which pay nothing. One must be slightly democratic and able to get along with the people one works on, for, and with, both instructors and patients. Most of all, one should not go into medicine unless one simply cannot help it. We all have a certain amount of curiosity about it as children but it often does not last. Medicine is not one of the � Coattaaed on Pace Foar fact, that harder combinations of courses were taken, although there may not have been any change, in the ac- tual hours spent on the work.-------� "There � are two points which I should like to bring up this morn- ing.'' continued Mrs. Manning, "and they are the two things we have been working for recently." First, the Dean's office is desirous of making all the first year courses of the same difficulty. It would like to have the students spend the same amount of time on Freshman English that they do on First Year History and so forth. Secondly there is a new <|uiz schedule going into effect this year whereby they are all finished by the Thanksgiving vacation. Unfortunately it i.s only the good and fortunate students who will have the time between Thanksgiving and . Christmas free as there will be requizes for those who condition the first ones. On the whole, however, this time may be used for reading and re- ports so that they will not conflict with the quiz schedule. Mrs. Manning desires the further co-operation of the students in keeping another series of work slips that will be handed out by the L'ndergrad. As- sociation for the three consecutive weeks during and before the quiz period this term. It is unfortunate that the actual slips and recording of them from' last year have been lost; and for this reason there must be an- other recording before the Dean's O.f- fii'e can be sure just which depart- ments are causing the most overwork. Meanwhile. Mrs. Manning would wel- come any general suggestions regard- ing the college schedule a- a whole which she realizes is not idual. Ill spite of the many advantages of the small college there are certain diffi- culties such as the inflexibility ili the size of classes that are sure to arise that one would not find in a target college. The original Bryn Mawr schedule had a meat simplicity and consistency that we arc losing as the classes grow larger anjl the coiuv-^-fliv increased 'The News will be glad to print any discussion or opinions on the subject of the Curriculum. Entertainment Com. Explained There was some misunderstanding about the Committee on Entertainment announced la�t wwk in the XbwWi�This committee was appointed at the request of Mrs. Chadwkk-Cotlhu by the presi- dent of the Undergraduate Association. Denise (iallaudet. as undergraduate assistant to Mrs Chadwick-Collms, was a pi jointed chairman. Miss Park. Mrs. Chadwick-Collins and the president of the Undergraduate Association are mem- bers ex-pfficio. This committee is en- tirely separate from the Speakers' Coin mittee and is an independent appointive committee under the Undergraduate Association odds. ?i Curriculum Committee Has Been Reorganized] Unlimited Cuts and Methods of Marking Are Among Topics to Be Studied. URGE MORE CONTACTS The Curriculum Committee organ- ized under the new system adoptee last spring, with the class, hall anc major subject of each is as. follow-: E. Byrne, 1932, Rock, Economics. E. Hanan, 1934, I'em West, History. Moore, chairman, 1932, Merion. it 4000 CASES IN NEW YORK (Specially Contributed by Dr. Wayner) The recent .epidemic of infantile paralysis, the second Largest recorded in the history of the disease, is one of those exacerbations in -virulence and frequency which have characterized tin- disease since it assumed w idespTeail and pandemic proportions. Beginning early in July and virtually ended at the present time, it numbered about 400(1 cases in New York alone. Other centers for the outbreak, much less sorely afflicted, but still suffering to distressing degree, were parts of Massachusetts. Connecticut. New Jer- sey. Michigan. Wisconsin. Illinois and Pennsylvania. Complete records for all areas are of course not yet avail- able. But .compared with the 191 f> pandemic which swept the United States and numbered 29,000 cases with oOOO deaths, the present epidemic has been small in number and milder in Economics and Polities. J. Parsons, 1934. Merion, Biology.. E. Paxson, 1932, Denbigh, Eco- nomics and Politics. E. I'inkerton, Executive Committee. 1932. I'em West, Art and Achcology. E. I'leasants. 1932. I'em West. His- tory and Politics. M. Reinhardt, 1932. IV.n East, Eng- lish. \� Richardson. 1933. Kock^icrman. I.. Sanborw; H\cctttive Committee, 1932. Merion. Psychology. I". Taggart. 1932. I'em East, Latin E. Yeakel, 1933. Denbigh. Biology. Freshmen members will be added after mid-years. The first meeting of the committee character. The epidemic has served to re- emphasize the mysterious and baffling aspects of the disease and has put the problem of bacteriologists and epidc ologists in the minds of all thinking people. It has made many non-medical i�eo� pie ask and subsequently turn over in their minds the known facts about the disease and. its occurrence that may be the clues to our final understanding of it. Some of these facts are very inter- esting and most suggestive* It is now known for instance that the disease is an infection, due to the Alterable virucs of a micro-organism.'' This was proven as recently as 1909 when Landsteiner and Tapper in Vienna and Flexner and Lewis in this country successfully transferred the disease to .monkeys. Up until that time the disease was classified with the noil-infectious nervous diseases. Continued on Vngr Five Miss King Compares French and German Beggars The N'kws has been very fortunate in receiving from Miss King, who has been in Central Europe, Italy, and Prance this summer, her igiprflssiiinir i of life and condition- in Germany dur- ing June and July. Germany was, from the artist's point of view, enormously delightful, Miss King declared, but Baroque a.rt anil princely cities could not conceal the prevailing misery of those distressing days. The waiter, the bootblack, and all those not bedizened for the for- was held Jast Thursday. Following|^^ 8poke wjt)l (.Ntra�r(|ma,v (.;ill. dour, and often with the poignancy of real literature. As one man said in asserting thai they could stand no more taxe-: "Madame, it would not be good for you* if Germany should perish." It was white-collar begging which was most noticeable, begging by men of one's own da--, who had been in the civil serrtcc. or m banking, ami� were now without proper food, their backs against the wall. A man with a Mrs, Manning- -ugges^iou ill chapel it was agreeil that the first work of th" year will be to get records ol the stu- dent-' time for three consecutive week-, beginning ( >ctober 25. The purpo-e of this is to sec if courses have been altered this year to make the work correspond more ctosel] with thaamount of credit given. Everyone .'JL college is rec|Uested to kcey. these records in order that a true cross- section of college work may Be ob- tained These records will i>e seen by no one outside of the committee. (Those last year were not -ecu by any one except the coinmitte.i All that is wanted by the administration is the totals and average- of the hour- of work. The only reason that signatures are requested i* to lend authenticity to the records. The committee is also interested in the questions of unlimited cuts: of methods'of marking; of increase in the credit given for certain courses, and rji the possibility of introducing new- courses into the curriculum. Anyone with ideas on the-e subjects or on any other..subjects connected with the cur- riculum is urged to talk with the niciii- Coatlaaed aa P��* Three f'ontlniied on l'ttzt Five Irish Players Give Synge Play The Abbey Theatre Irish Play- ers. ifhder the personal direction of Lennox Robinson, will give � performance hi'Goodhart Hall on Tuesday. N'ovember 10. This ..famous acting company, CO which only the Art Theatre of Moscow i- comparable, will present "The Playboy of the Western World." by I. M Svuge. for its DryII Mawr engagement The Syuge play is a comedy which has been sai<r$> be a satire against the Irish nation
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quote:Geno Smith QB West Virginia
quote:I don't know blues. I think we need to wait until the combine. I really think Mingo, Jordan and Hunts numbers may push them way up the board and let Moore (possibly) or Werner (not as likely) fall to us.
quote:Jarvis Jones LB Georgia
quote:Saints very well make a play to trade up and get the player they want.
quote:How do the Panthers pick ahead of us? Both 7-9. We lost to them twice.


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Postgame: Coach Scott (3/22)
Cavaliers Head Coach Byron Scott spoke with the media following Friday's loss in Houston.


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quote:MI will proceed to go off when he's playing for a team that utilizes him right.
quote:At that point I would hope that Ingram has an Thomas Jones or Cedric Benson type career. Slow start then hits his stride as a workhorse. He's a similar type back as those guys so I hope we see the same type of career progression.
quote:That trade to draft is probably the worst move Peyton has made as a Saint.
quote:The only, repeat, only reason to make a trade is if it improves the team.
quote:Does anyone seriously believe that Ingram has improved the team?


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Shattered Earth
Loved the colors and the frame detail
I went to 2 different stores to buy this product but found 5 of them and all had damage to them. So I had to order it on line and thankfully it came without damage - unfortuantely I had to pay an extra $20 for shipping it :(
January 2, 2014
This art draws you in and is simply gorgeous. I fell in love the minute I saw it. It continues to draw you back in, no matter how many other pictures may be around it. I am in love with this piece and look at it every time I pass it in my dining room. It is a focal point in my home.
January 23, 2013
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Hala Madrid: Managing Real Madrid Club de Futbol, the Team of the Century, Spanish Version
F. Asis Martinez-Jerez, Rosario M. De Albornoz
Revision Date:May 11, 2010Publication Date:Nov 02, 2004Discipline:AccountingSource:Harvard Business School |
Product number:107S21-PDF-SPA Length:29p |
Spanish PDF
Also Available in:
Spanish PDF | $ 6.93
Florentino Perez, the president of Real Madrid, a leading European soccer team, is preparing for a press conference in which he will be asked about his plans for the coming season. Economic success and some sports mishaps during the prior season represent the scenario in which planning decisions are made.
learning objective:
To discuss strategic planning decisions, with a focus on: 1) the sources of value for a soccer team, 2) the strategy Real Madrid follows to capture these sources of value, and 3) how systems in place--notably the budgetary control system--limit the risks inherent in this strategy.
subjects covered:
Budgeting; Implementing strategy; Market analysis; Strategic planning
- Geographic: Spain
- Industry: Soccer
- Company Employee Count: 400
- Company Revenue: $260 million eurodollars revenues
- Event Year Begin: 2004
- Event Year End: 2004


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Crack open the crayons and sharpen up the red and green ones!
Watch Puppy Preschool all week on NICK!
Find a way through the maze, but watch your step!
Come on out and go, go, go in the snow!
Send out thanks after a great snow day play date!
Help kids write their own silly story!
Give your birthday tabletop the right touch with these printable, colorable placemats. Kids will enjoy picking and coloring their favorite Backyardigans friend.
Time to prepare your preschooler for school. Start a discussion over crayons!
Aarr! Get ready to put on a pirate puppet show!
Princess Tasha is in for a sweet-sounding surprise when she settles down for her royal nap!
Will the Backyardigans discover a place that no one's ever been before? Print your kids a copy to find out!
We've got you covered for the holidays with exclusive gift wrap and tags!
Help your child master an important preschool skill
Celebrate tiny triumphs daily with the Backyardigans!
Decorate your own "Master of Disguise" costume box.
Picture this! Print a puzzle pack full of Backyardigans jigsaw fun.
It's a 2-sided jigsaw puzzle starring your kid's backyard friends.
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Spotlight your Easter eggs with these egg-cellent Backyardigans stands!
For some unique party fun and a change of pace, try this Backyardigans-flavored version of a childhood classic.
Wearing glasses should be no problem. Let them know how cool they are with these stickers.
Uniqua, Pablo and the gang predict exciting adventures for your backyard creatures
Certify that your glasses-wearing child is the coolest.
Try this alternate version of Pin the Tail on the Donkey, with a unique Backyardigans twist.
Clings that help your kids keep clean!
Packed with activities and good clean fun!
Print the pledge and promise to keep clean!
Work it out with your favorite backyard friends!
Color and play among the pyramids!
Play in the snow with Peppa without ever leaving the house!
Cozy-up with your kids and search for the hidden items in these snowy scenes!
No more mug mix-ups! Keep track of hot chocolates with these printable charms!
Need an indoor activity? Keep kids entertained with sticker play fun!
Kids can hit the slopes with Dora & Diego in this 5-page printable coloring pack
Let's count with Julius Jr!
You and your child can be an a-maze-ing help to Ping!
A snowboarding mini giraffe? Find the picture that's different.
Print this page for your little ice skater!
These best friends are also great skating partners!
Dora and friends are lined up to skate. Can you spot which one is wearing something different?
Kids count from 1 to 20 to find out what Dora needs for her big competition!
Kids connect from 1 to 10 to learn more about their PAW Patrol friends!
Print this pack and let your kids add color to the Team's snowy shenanigans
Kids can add a kickin' touch of color to the Fresh Beats' winter outfits
Letter learning is "snow" much fun with Peppa!
There are so many ways to play on a cold and snowy day!
Spread the holiday cheer with decorative tree ornaments from Kai-lan.
Ring in the new year with Dora!
6 pages of snowflake fun!
Create snow showers indoors with this a-DORA-ble mobile!
Make it snow indoors with this fun paper craft
Your kids can become snow royalty, just like Dora & Boots!
Bring together your favorite Snowy Forest friends!
Create snow showers indoors! It's a kid-friendly creative craft that's blizzards of fun!
Go on an exciting expedition across the Antarctic in this printable storybook!
It's time for a snowy adventure with stickers, a wintery scene, and your favorite pals the Wonder Pets!
Find a way through the maze, but watch your step!
Can you find all the snowflakes that look like Kai-lan's?
Diego and Alicia need your help counting and coloring all the penguins!


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Dunkin' Donuts to open shops in California
Thursday, January 17, 2013
CANTON, Mass. (AP) -- Dunkin' Donuts is going to bring its munchkins, coffee and doughnuts to Southern California.
Dunkin' Donuts opened 291 new restaurants in the U.S. last year. It plans to open 330 to 360 new locations in the U.S. in 2013. |