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! - > The College News Volume II. No. 30 BRYN MAWR, PA., JUNE 1, 1916 Price 5 Cents f* p ^ - .; 4"* >�** CALENDAR WEDNESDAY. MAY 31 8.00 p. m.�Concert in the Cloisters by Yvette Guilbert. 10.00 p. m.�Seniors give up Taylor steps. THURSDAY. JUNE 1 11.00 a. m.�Conferring of Degrees. Ad- drees by President Wooley, of Mt. Holyoke College, and close of thirty-first academic year. 1.00 p. m.�President Thomas' luncheon to Directors, Faculty and Staff. MONDAY. OCTOBER 2 3.00 p. m.�Registration begins. 3.00 p. m.�Halls open for residence. WEDNESDAY. OCTOBER 4 8.45 a. m.�Opening of thirty-second aca- demic year with address by President Thomas in chapel. SHIPLEY SCHOOL CHANGES HAND8 COMMENCEMENT PROCESSION ARRANGED R. Cheney Head Marshal The Misaes Shipley to Retire on July 1 The Shipley School which was founded twenty-three years ago by the Misses Shipley Is to be run next year by Miss Rowland and Miaa Brownell. The Misses Shipley will retire on July 1st. Both Miss Howland and Mlas Brownell for the past five years have been assistant principals and part owners of the school. Tbey will assume entire ownership after the retire- meat of the Miases Shipley. The marshals in the procession of fac- ulty, alumnae, and undergraduates on Commencement morning have been elect- ed from the Class of 1918 by the Seniors and are led by R. Cheney, the Sophomore president. The Senior marshals, who ar- range the seating, are M. Gardiner and V. Kneeland. and the Diploma marshals C. Flske and M. O'Connor. The others are: F. Buffum, M. K. Stair. H. Hammer, T. Howell, M. Bacon, H. Butterfleld. E. Ath erton, L. Evans, D. Kuhn. K. Holliday, L. T. Smith. S. Richardson is to be head usher. The groups in the procession in the order that they march from the Library are: the three undergraduate classes, 1919, 1918. 1917; the graduates and alumnae; the Class of 1916. both the ex- members and those receiving A.B.'s, with the A.M."s and the future Fellows; the resident Fellows of the College; the Fac- ulty, Staff, and Trustees; and the pre- senters of prizes with President Thomas and President Wooley. Two or three | marshals separate each group and the i procession Inverts so that the Seniors, marching between the other classes, enter the gymnasium first. Baccalaureate Marshals The procession for Baccalaureate was led by the Junior President and Head Marshal H. Harris. 17. The other mar VARSITY WIN ALUMNA GAME 13 TO 10 Proceasion, Game, Athletic Prizes Compose Athletic Day Festivities , Athletic Day was triumphantly cele- brated on Wednesday by a gaily costumed alumnae procession, the Alumnae-Varsity basket-ball game, won � to � by the Varsity, and the presentation of athletic cups, swimming medals and yellow ties. Dressed in every possible red, blue and green device of stripes and basket work hats, headed by the Varsity basket-ball team, the Athletic Board, and a band, the alumnae marched from Pem Arch to the athletic field. There the teams met In a great flght. in which the Varsity downed the Alumna? 13 to 10. First, Second, Third Team Cups Given After the game M. Thompson "17, presi- dent of the Athletic Association, pre- sented the Individual and class athletic cups, the latter for first, second, and third teams. 1917 won first and second hockey cups, 1918 third. 1918 won the tennis singles cup and 1917 the doubles; the In- dividual College championship cup goes to M. Thompson '17. 1917 secured the cup for the swimming meet and L. Peters "19 the Individual swimming cup. First "and third water polo cups were 1918'a and second 1917's. The track cup went to 1917 and the Individual track cup to H. Harris '17. 1917 won first and second basket-ball cupa. and 1918 third H*mHnur4 on ft* l> DR. ROSS PREACHES BACCALAUREATE Mystery is Subject Dr. George A. Johnson Ross, of I'nlon Theological Seminary, delivered the Bac- calaureate sermon to the graduating class last Sunday evening in the Gymnasium. He took as his subject the mystery of life, and spoke of the present war as an ex- ample of such mystery. Christianity, he said, gives comfort, "but the text-book of religion, the Bible, leaves most questions unsolved and says least of what we most want to know Upon the great trinity of sin. suffering and death, the Scripture does not have clear statements". The War a Mystery In further elaboration of this idea. Dr. Ross discussed the present war. There are four ways of regarding It, he said� as a Kreat crime, a calamity unspeakable, a colossal folly, or "If you range your- selves with the most thoughtful people, as a great mystery which invades even the Innermost recesses of our faith" ii onliHurd nit Page 1) FINAL BASKET-BALL CHAMPIONSHIP RESULTS First team. 20 points�1917 vs. 1919. Second team. 15 polnta�1917 vs. 1919. Third team. 10 points -1918 vs. 1919. Fourth team. 5 points--1919 vs. 1917. Fifth team. 3 points�1919 vs. 1917.
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MA in International Nongovernmental Organizations |
Be the change you want to see in the world. In a rapidly globalizing universe, International Non-Governmental Organizations (INGOs) often play a role equal to that of governments and businesses. In developing countries they even become responsible for providing integral educational and health services.
Growing employment opportunities in this sector make it possible to earn a living while improving the quality of life of the most needy in organizations like Amnesty International, Novib, Doctors Without Borders, Greenpeace, the International Red Cross/Red Crescent Society and United Nations support organizations.
A master's degree in International Non-Governmental Organizations from Webster provides you with the specific skills you'll need to be successful as a manager in the NGO and non-profit worlds. It combines a solid International Relations foundation with the practical approach to management and leadership. You'll learn critical skills including cross-cultural team leadership, grant writing and fundraising and negotiating. And gain practical experience at world-class international organizations.
Points of Distinction
- Pay only for classes in which you actually enroll, so you can proceed through the program as quickly or slowly as needed--even taking off a semester without any penalties.
- Travel to other Webster campuses and complete internships off campus in locations around the world.
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- Online learning makes it possible to earn a degree from anywhere in the world
- The opportunity to study at international campuses in Geneva, Switzerland; London, United Kingdom; and Leiden, the Netherlands.

subset: commoncrawl


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cole thanks for your opinion I appreciate it . always welcome. I have a semi auto pistol for you to look at . tell me what you think. ill post it when I find it.
it's used by a few special forces and maybe the secret service .
muzzle velocities are that of an rifle. can punch through vests w/ the correct ammo. ( high mag capacity) the russian will know. ( dmitri)
The FN 5.7


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Keiran Cheery: That was quick.
While she waited for a response, Keiran looked the individual over and noticed that he seemed to be more than a little impatient for some reason. As their conversation continued, her opinion was defended multiple times. "Nice to meet you." She said, inclining her head slightly, wishing that she had put on some real clothing before bringing down the mail. Then again, she didn't expect such an impromptu visit. She noticed that the guy was an albino, and did nothing more than blink mildly. She had seen a wide variety of individuals, including those with a far stranger color. On his comment about her lack of subtleness, she chuckled, looking down for a moment before looking back up, eyes crinkled a bit while making a 'not so bad' face, "I figured that a blunt approach would get a response faster than the usual small talk and drivel the usual politicians spot these days." She was hoping that this character was from the right people, but noticed that he was twitching. "Are you okay?" She wasn't forgetting what she was asked, but found that the twitching that she had recently noticed was a little worrisome. What was it caused by? She was determined to figure out the cause of the twitching before actually answering his question. She didn't mean to be rude, but she figured that if there was something wrong, and this person was in her 'house', that she had every right and responsibility to make this person at the least feel comfortable.


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quote:Adam Carolla
quote:He's just not Taco Bell Material.
quote:Isn't having a checking account the result of working hard, making good decisons like finishing school, getting a job and not having kids until you get married?
quote:Gavin Newsom: "Half of all blacks in California have no access to a checking account."
quote:Was moderately entertaining up to that point, when it really took off. "So when you go to those check cashing places, there's gonna be a lot of Asians and Jews there?" -"In 1967, black people couldn't even marry white people in many states." "OK, Jews were getting put in ovens and incinerated." -"No one cares about education more than the Latino community." "Wow, I gotta go back and check those test scores."
quote:did i just hear Mr. progressive single out 2 groups, then when corolloa brings up other groups, say that we shouldn't separate people into groups?


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In 2014, we are planning to redevelop Private Healthcare UK and its sister site GoPrivate.com into a single site.
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Dr Jill Neilson is a British Psychological Society (BPS) Chartered Psychologist (CPsychol), also having dual chartering as a Counselling and Health Psychologist. In addition to working in the NHS as a Consultant Lead Psychologist, she has developed her private practice, DJN Consultants Ltd, based in Harley Street, London and Pinehill Hospital, Hitchin to offer a bespoke psychological service.
All assessment and treatment is carried out by Dr Neilson and is never contracted out, therefore you can be assured you will be seen by her for the duration of your care. Dr Neilson offers a seamless service and personally oversees all aspects from referral to discharge. She oversees scheduling appointments and liaises with referrers around referral needs and treatment plans as required, whilst always assuring your confidentiality.
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In our holistic child development model, spiritual development carries a high priority. Fostering a child's relationship with God by teaching biblical ethics and worldview is one of our foremost objectives.
Such programs are important in Bangladesh because this nation is predominantly Muslim; 87 percent of people in Bangladesh practice Islam. Hinduism is the second-largest religion in the country, and Christianity is practiced by less than 1 percent of the population.
Approximately 70 percent of the children attending child development programs in Bangladesh are from non-Christian families, and our centers are the only places where many will hear about Jesus Christ.
Age-appropriate Christian books and study materials are very rare in Bangladesh. Therefore, regular spiritual activities and learning at the development centers are of great support to the churches for reaching the children who live in their communities.
As children in our program become teenagers, the development centers recognize the need for age-appropriate Bible courses. Mail Box Club is a favorite Bible program that is adding fresh flavor and a new dimension to our spiritual development activities.
Child development centers with a large group of teenagers have the option to start a Mail Box Club. We support these groups through its Complementary Interventions fund.
Mail Box Club is a special Bible club in which children age 12 and older participate in Bible learning through materials they receive each month by mail. A Christian ministry — Generation Bangladesh — receives, translates and manages the children's correspondence for the club.
Children in the club must go through course books and answer specific questions based on the study materials. Then they return the completed course books by mail.
After completion of a certain number of course books, children receive a certificate as recognition of their efforts. The study materials are completely Bible based, and the children then teach others about the importance of Christ in their lives.
Alpona, for example, is from a Hindu family and has been coming to a child development center since her childhood. She is an active member of this Bible group.
"I really like Mail Box Club. It is interesting to learn through correspondence. When I first received the mail, I was a little confused but our teacher helped us to understand what we are supposed to do. Now it is easier for me."
This course has helped Alpona learn about Christ and Christlike behavior. She says she has shared her learning at home and with other friends at the development center.
"From the course books I have learned that Jesus is in me. He is my Savior and He can forgive all my sins. I tell these things at home and to other friends."
Moni, Alpona's classmate, is also from a Hindu family. Moni learned about Christ at the child development center, and the additional Bible course enhanced her learning.
"When our teacher explained to us our Bible lesson, I learned that God is always with us and He will never forsake us. I tell this to all my friends in school who do not know about Christ."
For Joy, this course is special because it ensures that he has a great friend in Jesus Christ. He lives with his mother now, after his father left them. In his times of struggle he recollects his learning from Mail Box Club.
"I learned that Jesus is my best friend, because He knows me, loves me, and will always be with me. Whenever I have problems or I am struggling, I tell myself that Jesus is my best friend, and that helps."
Mail Box Club is not just a club to improve children's writing or reading skills. It helps prepare children to enter adulthood with a biblical worldview and intimate knowledge of their Savior.
Perhaps the best thing about this course is that it makes children think about and realize God's plan. Well-written study materials and simple, clear lessons are wonderful resources that help their spiritual growth.
Mail Box Club has added a new dimension to our approach to child development in Bangladesh.


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That's it for Markets Live today.
You can read a wrap-up of the action on the markets here.
Thanks for reading and your comments.
See you all again tomorrow morning from 9.
Shares finished flat as the news that the unemployment rate hit its highest point in over a decade weighed on investor sentiment. The negativity contrasted with the more upbeat outlook provided by a number of executives as company reporting season continued.
The benchmark S&P/ASX 200 Index edged down 2 points, or 0.04 per cent, on Thursday to 5308.1, as the big four banks all sold off despite a bumper result from Commonwealth Bank of Australia on Wednesday..
Local shares started the session with mixed cues from Wall Street overnight, while a sell-off in Japanese shares, which pulled the Nikkei down nearly more than 1.5 per cent, didn't help the local mood.
Investor sentiment turned sour after new data showed unemployment in Australia is at its highest rate in over a decade. Australian Bureau of Statistics data showed the jobless rate hit 6 per cent last month, to its highest rate since July 2003, and exceeding expectations of a rise to 5.9 per cent.
"The latest employment figures are disappointing but it is important to remember that there is a lag between business confidence improving and new jobs being created," NovaPort Capital portfolio manager Sinclair Currie said. "Fewer jobs in the mining industry is no doubt hitting the overall employment figures but there are encouraging signs that employment is due to pick-up in other parts of the economy that are being stimulated by low interest rates."
Rio Tinto has surprised investors with a better than expected profit and dividend in its full year results presentation.
The diversified miner announced a dividend of $US1.92 after reporting underlying earnings of $US10.2 billion for 2013.
The dividend announced on Thursday is 15 per cent better than the $US1.67 that was returned to shareholders last year.
Both Deutsche and JP Morgan had forecast a dividend of $US1.81, while Credit Suisse was one of the few to correctly predicting a $US1.92 dividend.
The result shows that Rio's finances performed dramatically better in the second half of 2013, after reporting an underlying profit of just $US4.2 billion for the first half.
A consensus of analysts had been expecting underlying earnings of about $US9.8 billion.
The better than expected results come after Rio cut costs beyond the promised amount in 2013, delivering $US2.3 billion instead of the promised $US2 billion.
The miner also enjoyed stronger than expected prices for iron ore which remains its most important commodity.
Things were a bit gloomy across our region's markets, particularly in Japan...
- ..where the Nikkei is 1.8 per cent lower
- Hong Kong's Hang Seng is 0.4 per cent down
- The Shanghai Composite has eased 0.03 per cent
- Taiwan's TAIEX is 0.5 per cent lower
- Korea's KOSPI is down 0.46 per cent
- The Kiwi NZX 50 index is 0.07 higher.
The weaker-than-expected jobs market has raised questions about whether the Reserve Bank has stimulated the economy enough to support growth in areas other than mining.
The immediate reaction from investors to the latest jobs data - released on Thursday by the ABS - was clear. The Australian dollar fell by a cent to US89.31¢, while yields on 10-year government bonds fell from 4.23 per cent to 4.19 per cent, indicating rising hopes of another RBA interest rate cut.
But those hopes are likely to be misplaced.
Apart from the jobs data, other economic indicators have pointed to an improvement in some of the non-mining sectors.
House prices have strengthened and more building is being approved. Consumers have started to spend more at local retailers, and businesses say operating conditions have improved.
Meanwhile, the labour market has continued to soften over the past year.
Indeed, it has become the "Achilles heel" of the economy, Citi economists Paul Brennan and Josh Williamson said. To put it another way, the National Australia Bank's economists have described this as the "jobless recovery".
Yet the rising unemployment rate is no surprise to the Reserve Bank.
Nothing like the suggestion of a bit of government help to put a rocket under a stock - Qantas jumped 6.3 per cent today.
McMillan Shakespeare - one of the most shorted stocks in the top 200 - had a relief rally of 4.7 per cent after falling 4 per cent yesterday.
Western Areas also popped 4.7 per cent.
Also among the winners were Newcrest, iiNet and Pacific Brands.
Shareholders continued to dump Goodman Fielder stock as the aftershocks of a poor earnings result yesterday continued to resonate. It slumped another 7.1 per cent.
Primary Health Care dropped 5.4 per cent, while Domino's Pizza gave up some of its recent gains.
James Hardie and CSR fell, perhaps as investors set sail for Boral's shareholder list, while Skilled Group lost 3.9 per cent and Myer 2.3 per cent.
The best and worst performers in the ASX 200.
Shares couldn't quite manage to make it six straight trading days of gains, with the benchmark ASX 200 easing by the slightest of margins - 2 points - to finish at 5308.1 after what had looked a positive start to the day after Telstra's earnings report cheered investors.
That optimism was dampened by weak job numbers in the late morning, and the market never recovered.
It was a close thing though, indeed there were more winners than losers among the top 200 - 110 stocks were up, 71 were down.
Telstra still finished 0.8 per cent higher to $5.15, but CBA (down 0.6 per cent to $75.75), CSL (1.85 per cent lower) and NAB (-0.4 per cent) dragged the market lower.
Looking across the sectors, health care was the worst performer, falling 1.3 per cent, after CSL lost 1.9 per cent. IT dropped 0.8 per cent, led lower by Computershare, which fell 2.2 per cent.
Gold miners were the best on show, up 1.9 per cent as Newcrest jumped 1.3 per cent. Telcos received a boost, up 0.8 per cent, from Telstra rising.
Seven West Media has announced to the ASX new financing facilities and a paydown of debt.
"The new facilities initially extend the group's debt maturity until October 2017, provide for more favourable costs of funding for the group and ensure increased flexibility, demonstrating the strong support for the business from our banking partners," the company said in a statement.
Bit late to this but…
Trading in the stock of McAleese Transport, the owner of Cootes' fuel tankers, has been halted after the group warned it was reviewing its 2014 results forecasts.
The transport group's stock was halted after McAleese said it was re-examining the outlook for its Cootes business after recently losing key transportation contracts with Shell and BP.
"The company has progressed its review of the timing and impacts of restructuring the Cootes transport business and is in the process of reviewing its fiscal 2014 forecast in light of trading conditions in January."
McAleese, which also said it was reviewing "current market conditions", said it expected to update the market by Monday morning.
The trading update comes as some of the company's Cootes petrol tankers were this week hauled off roads for the third time in NSW to address ongoing safety concerns after a Cootes tanker was involved in a fatal accident on Sydney's Mona Vale Road in October.
McAleese this week defended its handling of the Cootes contract losses, claiming it has complied with disclosure obligations after class action law firm Maurice Blackburn said it was investigating the company for potential continuous disclosure breaches.
The sudden losses of Cootes contracts with Shell and BP, announced on January 30, wiped 29 per cent off the group's share price.
The accident delayed McAleese's plans for a public offering, but it went ahead with a float on November 28.
McAleese's shares listed at $1.50 on the day and most recently traded at $1.10.
One point to note about today's rise in the unemployment rate is how the trend here runs counter to most of the developed world - where the slow recovery means jobs are actually being added.
Last Friday's US non-farm payrolls pushed the US jobless rate down to 6.6 per cent. It may not take too much longer, of these trends continue, that the US has a lower unemployment rate.
That should result in our interest rates staying low or falling as US rates rise - resulting in a closing of the yield gap between Aussie and US bonds.
The last time US and Australian unemployment rates crossed -the gap between Aussie bonds and US bonds was 1.26 per cent. Today the differential is 1.4 per cent, but closing fast.
The Aussie 10 year bond yield fell by 6 basis points following the weak local jobs number. The US 10 year rate meanwhile has risen 6 basis points this week.
Crossed wires: as Australian unemployment heads up, the US, and much of the developed world, heads the other way
You would have been better off in emerging markets since the turn of the century.
Sure, things have been a bit dicey for investors in emerging market shares of late. But taking a little bit of a longer view, an investment in the MSCI EM Index since 2000 would have generated double the returns of the MSCI World Index over that period.
Those figures - and the chart - come from Credit Suisse's wonderful Global Investment Returns Yearbook for 2014.
In their concluding remarks, where they predict EM equities will outperform developed markets by "no more than" 1.5 percentage points a year over the long term "as compensation for their higher risk", the authors write:
"Thirty years ago, emerging markets made up just 1 per cent of world equity market capitalisation and 18 per cent of GDP. Today they comprise 13 per cent of the free investable universe of world equities and 33 per cent of world GDP [and] these weightings are likely to rise steadily."
"Emerging markets are already too important to ignore."
Mining giant Rio Tinto should give investors plenty of food for thought in its full-year results, to be released from London after the local market closes. Five things to look out for:
Consensus forecasts are for an 8.4 per cent increase in the full-year dividend to $US1.81 per share, up from $US1.67, but it is difficult to find any analysts who are not expecting a higher number.
UBS is forecasting a full-year dividend of $US1.90 a share, an increase of 14 per cent, including an expected increase in the final dividend to $US1.065 from US94.5¢. Deutsche Bank is at $US1.84 for the full-year payout, as is CIMB, while Citigroup is at $US1.85.
Despite discussion in the market on a potential share buyback, most analysts are not expecting that quite yet, given the focus on debt reduction.
After Rio reported in December some $US1.8 billion in operating cash cost reductions in the ten months to December, the market will be looking to see how the full-year figure matched up to the $US2 billion "cost out" target for 2013. Some updated target for 2014 is also expected, in light of the $US1 billion figure flagged by previous management to achieve the cumulative $US5 billion target in 2013-14.
Impairments have been a regular feature in Rio's results the last few reporting periods and this one should be no exception. After about $US2.5 billion in non-cash losses in the first half, Deutsche Bank is expecting a similar number for the second half.
CFO Chris Lynch in December flagged Rio's net debt should be back down at about $US19 billion by the year end, after peaking at about $US22 billion mid-year.
UBS is forecasting $US19.7 billion, down close to where it was at the end of 2012.
Underlying earnings are expected to increase about 4.3 per cent to $US9.7 billion, up from $US9.303 billion for 2012.
The dominant iron ore division should have had a strong year, with underlying earnings up almost 10 per cent to $US9.86 billion, still accounting for about 90 per cent of the total, according to consensus forecasts.
Victoria will provide $22 million to SPC Ardmona as part of a $100 million "co-investment" with Coca-Cola Amatil that Premier Denis Napthine says creates "enormous opportunities" for food exports to Asia.
"Food production is one of the great strengths of the Victoria economy, we are the clean green state," he told reporters in Melbourne.
Premier Napthine, who faces an election in November, said the deal would contribute to a $100 million total investment by the company.
"Up to 2700 jobs in the Goulburn Valley depend on SPC Ardmona and this co-investment secures these jobs each are vital to this region's economy," Mr Napthine said.
The premier said the facility would be transformed and able to grow exports to the Chinese market and there were "enormous opportunities to grow into Asia," he said.
The Victorian funding is conditional on employment being maintained at a minimum level of 500 full time employees for three years, and the $78 million contribution by Coca-Cola Amatil to the overall project cost.
While most economists note the weakness of today's employment numbers, there's hardly anyone willing to wager this will convince the RBA to reintroduce its easing bias, or even lower rates. Here's how ANZ puts it:
- Our long-held view remains that the RBA will keep the cash rate unchanged at 2.5% this year and gradually tighten policy from early 2015.
- History shows that the RBA tends to hold the cash rate unchanged for several months after the unemployment rate has peaked (see chart).
- Market pricing has recently moved to be consistent with this view, with little chance seen of further rate cuts and around 35bps of tightening priced by mid 2015, even after today's figures.
- Notwithstanding today's report, recent activity indicators have improved and if this momentum were to continue there is some chance that markets will begin to price a higher probability of policy tightening in late 2014; prior to today's release the market saw a 50% chance of a 25bps hike by end 2014 and that was around 30% after the numbers.
West Texas Intermediate oil is trading at four-month highs above $US100 after a government report showed stockpiles shrank the most since July at the delivery point for benchmark US crude contracts.
''WTI moving higher is in large part due to the Cushing (oil storage hub) numbers,'' says Victor Shum, a vice president at IHS Energy Insight, a consultant in Singapore. ''The Keystone pipeline started service in late January, so the market was looking for an impact on Cushing inventories and it wasn't disappointed.''
WTI for March delivery is trading at $US100.16 a barrel. The contract climbed 0.4 per cent to $US100.37 yesterday, the highest settlement since October 18. Brent for March settlement, which expires today, slid 9 cents to $US108.70 a barrel on the London-based ICE Futures Europe exchange. The more-active April contract dropped 10 cents to $US108.25.
The quarterly review of the ASX indices is coming up, fuelling speculation who will get in - and who's out.
Index membership is more than a matter of prestige, considering the number of local and global investors that track an index in their funds. The next changes will be announced on Friday, March 7, and come into effect on March 22.
JPMorgan has entered the tipping comp for index changes, adding in brackets how likely it thinks the respective move is (high, medium, low):
- S&P/ASX 20: Adds: IAG (H); Drops: NCM (H)
- S&P/ASX 50: Adds: JHC (H); Drops: QAN (H)
- S&P/ASX 100: Adds: JBH (H), DLX (H), REA (M); Drops: CPA* (H), OZL (H), UGL (M)
- S&P/ASX 200: Adds: NEC (H), ARP (H), OFX (H), AOG (H), BGA (H), AGI (H), RCR (H), SEA (M), AMM (M); Drops: CPA* (H), VAH^ (M), FGE (H), AQG (H), SLR (H), ASL (H), SMX (H), DCG (M), EWC (M)
In case you're wondering, here's the criteria that need to be met for inclusion in an index:
- ASX listed (Primary or Foreign Security)
- Above 30% free float available to investors
- Longer than 8 weeks trading history
- Not the target of M&A
- Market Cap, averaged over up-to 6 months
- Liquidity is calculated as the median ASX turnover divided by adjusted market cap over 6 months, and is considered on a relative basis to the All Ordinaries
China, India, Indonesia, and Russia are the emerging market economies most at risk of a meltdown.
Analysts at French investment bank Societe Generale have put together this colourful graphic which ranks each country in their EM universe on a variety of measures: private debt, financial system strength, property overvaulation, monetary conditions and governance issues.
Separately, SocGen researchers estimate that a "hard landing" in China - where its economy reaches year-on-year GDP growth of 2 per cent - would shave 1.2 percentage points off Australia's GDP.
China, India, Indonesia and Russia are the emerging markets most at risk of a meltdown, says Societe Generale.
Australian shares have slipped 0.1 per cent in a choppy morning, after weak jobs numbers tempered interest in firms reporting strong earnings.
The resources sector kept the market from going too far backwards. BHP and Rio rose 0.6 percent and 0.2 percent as copper bounced on Wednesday, boosted by Chinese trade data showing record January imports. Rio is due to report its results after the closing bell on Thursday.
If the losses in the ASX 200 index are sustained it will snap five sessions of gains, the longest winning streak since mid-October.
The positive sentiment sparked by yesterday's strong trade data from China, Australia's biggest export market, gave way to some weak domestic employment numbers.
Employment fell unexpectedly in January, driving the jobless rate to its highest in over a decade.
"Certainly not good, another decline in jobs after a bigger fall in December, the jobs market is still very weak as a result," said Shane Oliver, chief economist at AMP Capital Markets.
"My feeling is that as business gradually improves with profit results, the labour market should start to improve in the second half of the year."
The big four banks reversed earlier gains after the disappointing jobs data.
This could explain Qantas shares why its shares are up 5.8 per cent: Treasurer Joe Hockey has signaled the federal government is ready to throw a lifeline to the Limping Kangaroo:
Qantas has sought a government-backed debt guarantee as it battles Virgin Blue for market share, and in an exclusive interview with Fairfax Media, Mr Hockey said in his view, the airline's request for assistance met four essential pre-conditions.
While his instinct was for government to not support individual businesses, Mr Hockey said the struggling airline had a "ball and chain" around its leg in the form of the Qantas Sale Act.
That law restricts foreign ownership of Qantas to 49 per cent.
Mr Hockey said the Australian airline now faced a "2000 pound gorilla" in the form of Virgin, which is largely foreign-owned.
"Number one is existing restrictions on the business imposed by the parliament. Number two is if it's an essential national service, and number three is if it is in an environment where other sovereigns are engaging in direct competition to the massive disadvantage of an Australian business, then you need to take that into account,'' he said.
"It's not for me to announce these things, but we are mindful of it, we are looking carefully. And the fourth thing is the business has to do its own heavy lifting on its own reform. We are not going to run the business or tell them how to reform."
Treasurer Joe Hockey has suggested that Qantas could get a lifeline. Photo: Joe Armao
Earth moving contractor Maca is in a trading halt pending an announcement from the company.
The shares will trade hands again by Monday open at the latest.
The Australian dollar has tumbled back below 90 US cents, shedding 1.05 cents following the weak employment figures.
HSBC chief economist Paul Bloxham says the job losses ''surprised the market''. Bloxham says ''it's quite clear that the labour market remains weak and lags all the other indicators in the economy,'' such as the pick up in the housing market.
He expects employment to improve in the months ahead - but that won't necessarily strengthen the currency. He forecasts the local unit to fall settle around the mid 80s by mid year, citing a strengthening greenback.
90 US cents no more ... the Aussie takes a big hit.
More on today's disappointing jobs figures:
"There's no spinning it, Australia's labour market is weak," Moody's Analytics associate economist Katrina Ell said.
"Businesses are not confident in future economic conditions so are trimming jobs and working their existing staff harder."
The Australian dollar shed about three-quarters of a cent to US89.50¢.
Analysts had expected the unemployment rate to edge up to 5.9 per cent, with 15,000 jobs added to the economy.
The unemployment rate, which shifted higher last year, is expected to rise further above 6 per cent in 2014 as the economy adjusts to lower investment from mining companies.
"I guess what we've got to remember is jobs growth is a lagging indicator of economic activity," St George's chief economist Besa Deda said.
"In recent months, we have seen more encouraging signs in the economy, but that will take some time to feed through to the jobs numbers. Leading indicators are showing some stabilisation, which is encouraging.
"[But] we can expect the unemployment rate to edge higher through the first-half of this year."
Eds: Apologies, we had some technical difficulties there for a bit. Back now.
One of the big stories in small caps land is Webjet, which has shot up 23 per cent following its interim profits announcement this morning.
Perhaps buoyed by the investor acclaim, its boss John Guscic was very quick to reject any suggestions that his company is dealing with new competition in the market during a rather colourfully combative analyst briefing.
"There seems to be a perception there was no competitive pressure that existed in Australia over the last 10 years and this is a new thing. It is not. We have had competitors for 10 years. They have invested here over that time. They weren't absent from the market."
He not-so-gently reminded the analyst that Priceline, which is the parent of Booking.com, had itself "failed, left and abandoned the market" under its own brand.
"The competitive tension that exists in the marketplace is not something new," Mr Guscic said.
During the briefing, he was put on the defensive when a different analyst asked him why the company no longer released booking numbers for its core Webjet business.
"I am doing it for self-preservation," he said, before indicating the company viewed keeping margins high as more important than reporting huge but unprofitable booking numbers.
Turning to today's best and worst performing stocks in the top 200, and who do we see among those leading the charge? Qantas! The Limping Kangaroo is up 4.2 per cent, only bettered by Western Areas.
Domino's Pizza continues to climb after wowing the market yesterday with its interim profits and upbeat outlook.
In a similar fashion, but heading the other way, investors kept selling Goodman Fielder after the company reported a loss for the first half of its financial year.
Virgin Australia and Primary Health Care were the next worst performers.
Best and worst performers in the ASX 200 thus far.
Whoops - just when you thought all signs for the economy are pointing up, along comes the party spoiler: the jobless rate has risen to 6 per cent, instead of 5.9 per cent as expected, as the economy lost 3700 jobs - instead of creating 15,000 as expected.
The unemployment rate is the highest since July 2003.
The first increase in Telstra's interim dividend in almost a decade should not be misinterpreted as sign David Thodey is about to start splashing cash around, the AFR's Chanticleer columnist Mike Smith writes:
The telecommunications behemoth has bowed, but only slightly, to shareholder pressure to return some of the billions of dollars in surplus capital on its balance sheet to shareholders. The market had been expecting flat dividends instead of the 0.5¢ increase to 14.5¢ announced today.
The increase, which means an extra $1.8 billion in the pot for shareholders, will overshadow a solid but unexciting result.
What Thodey plans to do with Telstra's surplus capital is the multi-billion dollar question this earnings season.
The sale of a 70 per cent stake in its directories business Sensis and Hong Kong-based CSL has raked in more than $2.5 billion over the past two months alone.
There was only so long that Thodey, who has been determined to stick to a conservative capital management approach, could hold out. The telco last year moved back to its normal practice of determining dividends on a half-yearly basis.
The decision to up the dividend in the first half of the year instead of waiting to the second half, as expected, reflects growing pressure on companies not to sit on surplus cash.
Just the kind of postcard you'd want from London: the Bank of England on the monetary miracle that is QE:
#InflationReport Find out more in the Bank's postcard on quantitative easing http://t.co/Bj2CFMFTLX pic.twitter.com/qfnxQrMrdf
— Bank of England (@bankofengland) February 12, 2014
With so much focus on Telstra today, it's easy to overlook the second largest mobile operator in the country, but its (profit) numbers aren't bad either: Optus has reported a 41.4 per cent rise in year-on-year profit, despite falling revenue and weakness in mobile phone subscriptions.
The Optus results are contained in the quarterly accounts of parent Singapore Telecommunications, which posted a 5.5 per cent rise in year-on-year profit, to $S872 million ($763.8 million).
"Going forward, we will focus on driving customer growth in Australia," SingTel Group chief executive officer Chua Sock Koong said.
Optus said the 5.4 per cent year-on-year decline in operating revenue to $2.16 billion was driven by "lower equipment revenues, the mandated reduction in mobile termination fees and service credits associated with device repayment plans."
A November report by Deutsche Bank said management believed Optus had "a solid medium-term opportunity to take market share ahead across business, and an optimistic view of improving industry conditions across its associates."
It named SingTel's first goal as "building mobile and broadband share in Australia by restoring its role as consumer champion".
Aggressive cost cutting, volume growth and stable commodity prices will drive a rise in half-year profits for the world's biggest miners, paving the way for healthy dividend hikes now and anticipated capital returns in 2015.
The latest round of results could tempt investors back into the sector, analysts say, after steering clear amid fears of cooling growth in China and a yet-to-occur slump in iron ore prices.
Top miners BHP Billiton (on February 18), Rio Tinto (today at 5pm) and Brazil's Vale are expected to book solid growth in cash flows, having slammed the brakes on building new mines 18 months ago and embarked instead on massive cost cuts and debt repayments.
"Cash flows have been negative because they've been spending on projects and developments. You want to start to see a sign that that's starting to reverse," said Darko Kuzmanovic, a portfolio manager at Caledonia Investments.
"Hopefully that's the catalyst for people to be more comfortable with these names and start thinking about investing in them, because they don't look particularly expensive."
Expectations are growing that Rio Tinto, the first of the big five miners to report, will come up with the fattest dividend increase, as the company has said it would beat its target for $2 billion in cost cuts.
The most bullish analysts are looking for a 15 percent rise in Rio Tinto's annual dividend to $1.92, compared with the consensus view for 8 percent growth to $1.81.
Newcrest has silenced rumours that an equity raising is imminent, ahead of its half year results tomorrow.
Better than expected quarterly results in January changed many analysts opinions about Newcrest's outlook, but that didn't stop rumours of an equity raising persisting. The company said it was aware of renewed speculation, and moved to stomp on it this morning.
''In the current market and operating conditions, the company advises that it has no present intention to undertake an equity raising,'' it said in a statement.
Talk of an equity raising fired up last year when gold prices slipped below the point at which Newcrest would be cash flow neutral in the 2014 financial year. But Newcrest reported in January that it had cut costs well below the level that was expected, leaving many analysts to think a break even result was possible.
"We think it's going to be pretty line ball, but considering that at the start of the year people were expecting them to blow $440 million in cash over the year, it's a big improvement," said CIMB analyst David Coates on January 23.
Newcrest refused to say in January whether it was cash flow positive in the first half, and that detail will be the key focus for investors when the gold miner reports its half year results on Friday.
Newcrest shares jumped 2.3 per cent at the open but quickly lost their gains and are currently up 0.4 per cent at $10.98.
....early reports that Paul Zahra will not resign from David Jones, will stay on....
— Eli Greenblat (@EliGreenblat) February 12, 2014
Shares are up (barely), with the ASX 200 edging 4 points higher to 5313.7 as Telstra shares gain 1.6 per cents.
Investors also welcomed earnings results from Goodman Group, which gained 1.3 per cent, Transurban Group (up 0.8 per cent) and ASX (1 per cent), but were less impressed with GPT Group's profit update, as the stock fell 1.1 per cent.
The banks' share prices are all lower in early trading, with CBA, Westpac and NAB the biggest drag on the market.
But the big news was a 0.5 cent boost to Telstra's dividend.
Across the sectors metals and mining stocks, as well as the sub-group of gold producers, were among the best performers early, up 0.5 per cent. Rio is up 0.8 per cent ahead of its full-year earnings results this afternoon.
Westpac's unemployment expectations sub-index, which is part of the bank's monthly consumer confidence survey, rose 2.3 per cent this month. This means that the survey's respondents expect the unemployment rate to rise more than it has been.
This sub-index has been going up since September.
"Households are clearly nervous about jobs again. Recent press on Holden, SPC, Qantas and now Toyota would not have helped," Westpac senior economist Justin Smirk says
"In addition, the index trend is 20 per cent higher that it 10-year average. This is consistent with the observation that employment growth is underperforming relative to population growth. As such, the employment-to-population ratio is likely to push lower."
Official ABS jobs data is out at 11:30.
Australians are becoming increasingly nervous about their job prospects.
David Jones's total sales rose 4.7 per cent to $618.1 million in the January quarter, the best rate of growth since 2010, as strong growth from the retailer's online store augmented gains from bricks and mortar stores.
Comparable store sales rose 2.1 per cent, the strongest growth for four years, after rising 0.6 per cent in the October quarter (excluding disruption from the refurbishment of one of David Jones's Canberra stores). Comparable store sales had declined 1.4 per cent in the January quarter last year.
Analysts had been forecasting total sales growth between 4.1 per cent and 5.6 per cent and comparable store growth between 1 per cent and 2.8 per cent.
They believe sales growth momentum is improving as David Jones makes progress against a 10-point turnaround plan, which includes building web and mobile stores, upgrading point of sales systems, moving out of low margin categories likes books and DVDs, moving to a concession model in consumer electronics, and passing on to customers lower wholesale prices for imported goods such as cosmetics and clothes.
Chief executive Paul Zahra will discuss the results with analysts and media this morning and be quizzed on his departure plans.
As Treasury Wine Estates's fortunes lurch from bad to worse, the drumbeat around a potential takeover grows correspondingly louder, writes the AFR's Street Talk.
The maker of globally recognised brands like Penfolds, Lindemans and Rosemount Estate seems to be suffering from the mother of all hangovers.
A number of institutional investors are bracing for further earnings downgrades and remain sceptical about a revival. Board member Warwick Every-Burns' temporary occupation of the CEO role has added to the confidence drain. All these factors make TWE a sitting duck for a takeover if the share price comes off further. Industry heavyweights argue it is an inevitability and that the strike will come sooner rather than later.
Read more ($).
Gold prices are hovering at three-month highs just below $US1300, little changed overnight, but delighting technical analysts who are hoping the latest push signals further gains.
Here's what Goldman Sachs has to say in a note:
- Gold has finally spiked higher above notable pivot resistance $US1268-$US1279 where the market had stalled since late-January.
- The area encompasses a number of previous highs/lows since August '13 as well as the 100-dma (100 day moving average). This has opened up risks to the 200-dma at $US1306).
- To put things into context,the market has not been above this particular moving average since February 8th last year (just over a year ago).
- In short, it will be a very important level to watch how price action develops around it.
And Rick Bensignor, head of trading strategy at Wells Fargo Securities in New York, reckons a possible bullish double-bottom technical pattern and a breach of the trend line connecting highs in late August and early November on gold's weekly chart have triggered buying:
"There is a potential double bottom in place, and the near-term trend line has broken to the upside. Gold can probably rise to between $US1350 and $US1375 in the next several weeks" if it can breach $US1300, says Bensignor.
Gold: the price is approaching the 200-day moving average line (purple).
Marketing and communications company STW Group said its full-year net profit rose 12.5 per cent to $49.5 million from the previous year.
Revenue rose 12.4 per cent to $402.1 million from the year-earlier $357.8 million, while EBITDA climbed 10.5 per cent to $87.6 million from $79.3 million, the company said in a statement to the Australian stock exchange.
STW, which has a direct and indirect interest in more than 80 advertising and communication entities, said it would pay a fully franked final dividend of 5.3¢, bringing the total dividend to 8.6¢ in comparison with the year-earlier 8.3¢.
Chief executive Michael Connaghan said the company was starting 2014 "in great shape and with momentum on our side"
"STW anticipates mid-single digit growth in net profit after tax for the full year" ending December 2014, he said.
Results for the calendar year just finished were "pleasing in the face of continued challenging economic conditions," Connaghan said.
"Importantly, STW's resilient and consistent growth performance highlights the benefits of the diversification and scale that underpins our business model."
Last year's rush of floats has helped the Australian Securities Exchange record $189.6 million half-year profit, up 10.6 per cent from a year earlier.
Operating revenue was $329.3 million, up 8 per cent on the previous corresponding period. Earnings per share was 98.3¢, up 2.2 per cent.
The company paid an interim dividend of 88.2¢ per share, fully franked.
ASX chief executive Elmer Funke Kupper said the company's major business units increased their revenue year-on-year for the first time since the global financial crisis.
''We are determined to provide Australian investors with a domestic financial market infrastructure that is world-class, well-capitalised and competitive,'' he said.
''In the first half, we delivered a new service for the clearing of over-the-counter derivatives and we appreciate the energy and support of our clients in developing this service.''
He said the ASX was participating in the Federal Government's financial system inquiry and believed it was an ''important time for our financial markets''.
The Bank of England said British interest rates could start to rise from record lows in little more than a year as a rapid recovery brings the economy closer to operating at full steam.
Governor Mark Carney – forced to ditch a previous version of rates guidance after it was overtaken by a sharp fall in unemployment – also announced the Bank would now follow a much broader range of measures of slack in the economy in making rates decisions.
The BoE slashed interest rates to 0.5 per cent at the height of the financial crisis in 2009. The economy bounced back strongly last year but remains smaller than before the crisis and Carney stressed any increase in rates would be gradual.
"The message to businesses, to households is that the Bank rate is going to follow a path that is consistent with jobs, with incomes and with spending growing in a sustainable way," he said. "We are going to calibrate it carefully. We are not going to take risks with this recovery."
The central bank said a view in financial markets that rates could rise in the second quarter of next year – around the time of a national election – was consistent with its goal to keep inflation close to its 2 per cent target.
Sterling hit a two-week high against the dollar and British government bond prices fell after the Bank's announcement as investors added to bets on a rate hike next year.
Some wise words from veteran investor Peter Morgan:
Result season so far - Mostly solid - Valuations are full - Interest rates are very low - Bank bad debts are low Do not get carried away
— Peter Morgan (@psimpsonmorgan) February 12, 2014
The GPT Group has recorded a a net profit for its 2013 annual result of $571.5 million.
The result is a near 4 per cent slide on the landlord's 2012 net profit, however, realised operating income, earnings per security and distribution all increased.
GPT chief executive officer Michael Cameron said the result demonstrated the group is delivering on its objective to focus on total return for security holders.
"GPT's objective is to invest in a high quality portfolio that will deliver low volatility and secure, steady total returns," Mr Cameron said in a statement.
GPT announced in September it would chase a total return, the majority of which is made up in earnings, of 9 per cent and earnings per security of 3 per cent for 2014. They achieved 8.5 per cent.
"The quality of the portfolio was significantly enhanced in 2013 by the completion of $1.8 billion in transactions and developments.
The Group also executed on 551 retail leasing transactions, approximately 123,700 square metres in office leases and 156,600 square metres in logistics, which helped produce a portfolio valuation uplift of $92 million."
The result will not contain too many surprises for investors given GPT provided an earnings update in late January in order to switch back on its stock buyback.
Tollroad operator Transurban increased its full year dividend guidance as it reported flat half year net profits of $80.9 million.
Scott Charlton, Transurban's chief executive, said the group expected to make "further progress" on its acquisition of Sydney's Cross Sydney tunnel in the second half of 2014, as well as completing its 95 Express Lanes project in the US and reaching financial close with the NSW Government on its M1-M2 project (formerly known as the F3-M2).
"Negotiations with the NSW Government are progressing well and the project remains on track to reach financial close in late calendar year 2014," Transurban said.
Toll revenue on Melbourne's electronic toll route CityLink rose 10 per cent in the six months ended December 31.
Revenue from cars using Sydney's Hills M2 motorway also climbed thanks to a road upgrade and higher tolls, the company said in a statement.
The company also warned a troubled US road project, the 495 Express Lanes, is being restructured.
Telstra has raised its dividend level by half a cent to 14.5¢ per share as part of its financial year 2014 half-yearly results – its first dividend increase in nine years.
EBITDA grew by 7 per cent to $5.3 billion compared to the same half-year period in 2013, while net profit rose by 9.7 per cent to $1.7 billion.
Goldman Sachs had predicted the company would report net profits of $1.78 billion from EBITDA of $5.15 billion.
Many analysts have predicted Telstra could increase its fully franked dividend by at least 1¢ per share this year but did not expect the move to take place until the second half of the financial year.
Telstra is also expected to outsource up to 1000 jobs to a "captive centre" in The Philippines and India off the back of a review to be completed by the end of March.
Even though equity markets have had a few wobbles recently, investors are still willing to stump up money for a good story, as Mayne Pharma has found, although keeping the raising small also helped.
The company went to the market Wednesday for a quick $18 million to fund $US12 million of acquisitions as well as to boost its cash position.
The shares have been placed at 79.5c - a handy, if modest, premium to its last traded price of 79c.
Analysts who follow the company generally have price targets of around 80-90c following last week's profit upgrade for the December half.
The IMF reckons the Aussie dollar should trade at "low US80¢", reports BusinessDay columnist Peter Martin:
The Australian dollar is too high and needs to come down by as much as 10 per cent, the International Monetary Fund says in its latest review of Australia.
Prepared at a time when the Australian dollar was US89¢, the report released on Thursday says the exchange rate is 20 per cent above its post-float average and 5 to 10 per cent higher than it should be.
The estimate is subject to "considerable uncertainty".
The IMF model suggests the dollar should be between US80¢ and US85¢, which is also the range identified by Reserve Bank board member Heather Ridout in January as the "magic spot" that would allow exporters to compete.
The report says the dollar has been kept high by capital inflows to fund mining investment, relatively high Australian interest rates and a keenness on the part of foreign investors to hold Australian assets.
It says government officials have expressed surprise that the exchange rate has remained as high as it has and Reserve Bank staff have told it that market intervention remains "part of the policy toolkit, although more recently used only at times of market dysfunction".
Without a fall in the dollar, Australia will find it hard to get the non-mining investment it will need as mining investment collapses.
As shareholders lick their wounds, they should spare a thought for Forge workers:
As many as 1300 employees have been retrenched in the wake of Forge's receiver managers moving to put its overseas units up for sale.
In a statement, KordaMentha Restructuring said the counterparties to two power station construction contacts had exercised their rights to have the workers on the projects retrenched.
Forge collapsed earlier this week when its financiers withdrew their support following difficulties in completing two power station projects, one in western Queensland and the other in Western Australia.
"There is no money to pay employees, no work to perform," KordaMentha restructuring's Mark Mentha said in a statement.
Forge had 1753 employees in Australia with another 814 employees offshore.
Early earnings updates have come started to roll through, starting with some smaller names.
Webjet reported a half-year profit boost of 62 per cent against the previous corresponding period to $9.2 million on revenue of $52.6 million, up by a similar magnitude.
Earnings per share increased to 11.6 cents against 10.3 cents in the first half of the last financial year.
An interim dividend of 6.25 cents was declared – it was 6 cents this time last year.
Offshore oil and gas technology company Matrix Composites & Engineering announced an interim profit of $0.7 million, up 29 per cent on the previous year's.
But revenue dropped by a fifth to $65.1 million, which the company put down to lower production from a manufacturing facility and "delays in project revenue recognition".
Earnings season is the time for analysts to sharpen their pencils (and knives).
Here's a round-up, courtesy of Bloomberg, of the latest rating changes:
- Goodman Fielder cut to "underperform" by Credit Suisse
- Carsales raised to "buy" at Deutsche
- CBA cut to "neutral" at JP Morgan
- Computershare cut to "neutral" at Credit Suisse
- OZ Minerals cut to "underperform" at Credit Suisse
- Skilled Group raised to "outperform", again, at Credit Suisse.
Local stocks are poised to open higher ahead of January's jobs data and a slew of earnings including Telstra and Rio Tinto.
Here's what you need2know:
- SPI futures up 9 points at 5272 at 8.20am AEST
- AUD at 90.29 US cents at 8.20am AEST
- On Wall St, S&P500 -0.03%, Dow Jones -0.19%, Nasdaq +0.24%
- In Europe, Euro Stoxx 50 +0.58%, FTSE100 +0.04%, CAC +0.52%, DAX +0.65%
- Spot gold flat overnight at $US1291.25 an ounce
- Brent oil up 20 US cents to $US1.08.88 per barrel
- Iron ore up $US1.00 to $US121.000 a tonne
Good morning and welcome to the Markets Live blog for Thursday.
Your editors today are Jens Meyer and Patrick Commins
This blog is not intended as investment advice.
BusinessDay with wires.


text:
giggle Better Basics HALO SleepSack Swaddle (Organic Cotton)
Keep your newborn safe and sound with this comfy, wearable sleep sack — made exclusively for giggle by HALO. With 100% organic cotton fabric, it's cozy soft and wonderfully breathable. Plus, it stays on securely through the night, is pediatrician-recommended, and eliminates the risks of loose crib bedding. It's even been named the "#1 Safe Sleep Product" by First Candle/SIDS Alliance. (How's that for a stamp of approval?)
Why it's a giggle pick Comfy, safe, and pediatrician-approved, this top-notch sleep sack is all your baby needs to guarantee a good night's sleep. Plus, it's the only 2-in-1 adjustable swaddle that allows for your baby's arms to be swaddled on the inside or outside!
See Full Details
Meets the following
giggle Criteria:
BEST BASICS: everyday baby essentials
HEALTHY: made with safe or organic materials
INNOVATIVE: smart products that do more
TRAVEL-FRIENDLY: lightweight & portable
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Material100% Certified organic cotton
--Newborn to 3 Months; 19" to 23"; 6 to 12lbs.
--Small: Newborn to 6 Months.; 23" to 26"; 10 lbs.to 18 lbs.
Rated 4.5 out of 5 by 24
Rated 5 out of 5 by SarahBeata Great Multi-Purpose Garment
This swaddle/sleeper is really 2 garments in one. It can be used as just a sleep-sack or as a swaddler as the swaddle-wrap is detachable. You can even use the swaddle-wrap with other sleepers although it doesn't stay as snug. The zipper closes from top to bottom which means night-time diaper changes are possible without unswaddling your baby. The wrap uses velcro to close and the whole thing is made of organic cotton. My only complaint about this product is that it's made in China (as are all Halo products).
My daughter responded really well to being swaddled for the first 3 months any time she was fussy and when she slept. We even continued to swaddle her at night for an additional couple months as it helped her to sleep longer stretches.
May 30, 2009
Rated 5 out of 5 by Tanyar Only swaddle my son would stay in
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October 16, 2013
Rated 5 out of 5 by ewells Great for a half-swaddle
We love the idea of swaddling our baby's arms so doesn't startle himself awake but leaving his legs free so they can frog out (more comfortable for him, and perhaps better for his hips, depending on what you read). This sleepsack does the job perfectly.
June 4, 2013
Rated 4 out of 5 lifesaver for sleep!
I bought the Giggle Better Basics HALO SleepSack Swaddle after trying to use the swaddle blankets multiple times. It's a lifesaver! It's so easy to use and my son can barely break out of them - as he can in the swaddle blankets very easily. I went back to Giggle and bought another one the next day. The only complaint I have is that they stretch out after using them every night and swaddling the baby pretty snugly. However, they grow so fast that you'll need to go up a size by the time they're really stretched out anyhow!
December 11, 2012
Rated 5 out of 5 by kimberleyC Really soft
I really like these. I like these more than the traditional Halo fleece sleep sacks. These have held up MUCH better in the wash than their fleece counterparts. I put my daughter in a long sleeved Under the Nile organic long sleeved onesie, leggings, and one of these sleep sacks and she adores them. I really like that you can still swaddle your baby while keeping his/ her arms out. From day 1, our daughter hated having her arms swaddled. We either had to blanket swaddle her from her armpits down or use one of these. These stay on SO MUCH BETTER. Because of this, there were a number of swaddle zip up wearable ensembles (not carried by Giggle) that we received as gifts that we will never use (at least not for this child). Also, if your child has really sensitive skin (mine does), this organic cotton version does not irritate the back of the neck.
May 31, 2012
Rated 3 out of 5 by IamLT Good for lazy nights
This is great for those nights early on when you haven't mastered swaddling. I just wanted it to be a little more snug on my son. It also turns into a nightmare in the wash/dryer. Those thick velcro panels adhere to everything if you forget to fasten them after you take them off of baby.
March 21, 2012
Rated 3 out of 5 by RyansMom8 Velcro Gets Stuck on Everything
Our baby did not like to be swaddled...but this allows you to keep his arms out (and not folded in tight). I liked that feature, but after a wash we found that the velcro would stick to everything...and this sleep sack was a challenge for late night diaper changes. I prefer the ones without tabs.
March 18, 2012
Rated 5 out of 5 by swaddle Best Swaddler
My husband and I LOVE this swaddler. It makes our daughter sleep soundly...and therefore, mom and dad. This combined with the Soothing Sheep are the key secrets to a happy newborn. Promise!
September 16, 2011
(4 Questions : 4 Answers)
See what people are asking, and maybe add some answers of your own.
What is the size difference in newborn and small?Answers
giggle's Better Basics Halo SleepSack Swaddle fits:Newborn: Birth to 3 mo.; 19" to 23"; 6lbs to 12lbs
Small: Birth to 6 mo.; 23" to 26"; 10lbs to 18lbs
what size (weight and height, if available) will the cotton sleepsack fit? how many inches long is the body of the gown?Answers
This wonderfully soft sleepsack fits newborn babies 6 to 12 pounds, or 19" to 23" long. The body of the gown is 22' in length measured from the top of the shoulder to the bottom of the sack.This 2-in-1 Sleepsack Swaddle is just the right size to keep your little one warm and cozy all night long!
Is this made in the USA, if not.. where is it made?Answers
This SleepSack Swaddle is not made in the USA, as it's manufactured in China.I'm sure you'll love the soft organic cotton as much as we do, so be sure to grab a few!
Is the cotton SleepSack Swaddle treated with flame retardants?Answers
The Halo Sleep Sacks are our favorite pick for swaddling and sleep sacks! We love that they're not treated with any chemicals. The fleece products are made of polyester which is inherently flame resistant. The cotton products have passed the U.S. flame-resistant standards without having to add any retardants.1 of 1
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January 30, 2006
Last Night's Red Carpet
Britney & Kevin have a wild night with the actors
That Time The Bachelor Chris Soules Went on the Worst Date Ever
We Made Mike Epps Relive His Worst Onstage Moment Ever
Need a Laugh? Eugene Levy and Catherine O'Hara Will Have You Cracking Up
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William Shatner Pays Tribute to Leonard Nimoy After Missing His Funeral
Lady Gaga Takes the Plunge with Taylor Kinney – but It's Not What You Think
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Which Downton Characters Need to Hook Up? Joanne Froggatt Weighs In
Feb 28, 2015
Viola Davis Had a Strange Fan Encounter in a Restroom
Feb 27, 2015
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How Well Do Ben & Jessa Duggar Seewald Know Each Other?
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How a Super-Embarrassing Moment as a Waiter Led Eddie Redmayne to Acting
Feb 16, 2015
Michael Keaton: I Moved to L.A. with $263 in the Bank
How to Choose the Best Extracurricular for Your Kids
From Shocked to Scared: Moms' Real-Life Reactions to Finding Out They Were Pregnant
My Best Advice: Moms Share the Tips They Wish They Knew Before Kids
Feb 20, 2015
How It's Done: Contouring Your Cheekbones
How It's Done: Faking Fuller Lips
How It's Done: Glamorous, Beachy Waves
Jennifer Aniston – and Her Legs – Continue to Kill It on the Red Carpet
Feb 19, 2015
Felicity Jones: Meet the Red Carpet's Most Ravishing Rookie
Style is the Name of the Game: Julianne Moore
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It's a Bootylicious Treat! Learn How to Make This Beyoncé 'Drunk in Love' Cupcake
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Learn the Secret to The Palm's Famous 3-Ingredient Brussels Sprouts
Jan 30, 2015
Your Super Bowl Party Needs Duff Goldman's Crazy Ice Cream Burritos
Feb 23, 2015
Gabrielle Union on the Rejuvenation of Her Career
Lightbulb Clip: Sociology Informs Gabrielle Union's Creative Process
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Meet a PEOPLE Writer's Six Kids & Find Out How They Became Family
A Family's Amazing Journey: Why We Adopted Four Haitian Children
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Andy Cohen's Sexiest Day Ever Was ...
Meet the People PEOPLE Sent to the Oscars
Beauty Hack: The Surprising Secret to a Perfect Cat Eye
Justin Bieber's Changing Looks!
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Kick off the Spring season with the Fredericksburg Arts & Crafts Faire. The products that you potentially can expect to see showcased are: handcrafted baskets, ceramics, fine art, gourmet food, jewelry, music, paintings & photography, pottery, scrap booking, woodworking, Gourmet Treats, Fruit Spreads, Dipping Sauces, Chutneys, Insect & Butterfly Framing, Victorian & Edwardian Hats, Seasonal Flags, Handmade Shelves, Amber Jewelry, Barbeque Sauces & Dips, Bath & Body Products, Beaded Jewelry, Candles, Handbags, Clothing, Country Crafts & Décor, Custom Clocks, Gourmet Candy, Gourmet Jams & Jellies, Hand thrown Stoneware Pottery, Soy Candles, Homemade Fudge, Irish Clothing & Celtic Crafts, Magnetic Jewelry, Scarves, Scented Potpourri & Scented Items, Painted Furniture, Serving Trays, Wall Plaques, Wood Working, & Much More!
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quote:Thought you gave up MMO's!!!!! MoP and get on Kil'Jadean wit me
quote:We can all transfer to one server under the guild tag <TD>
quote:If this is your first night at Brawler's Guild, you have to fight.
quote: have to do a lot of dailies if you want to get a solid gear set.
quote:no one desires Warrior tanks


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Science Fiction
Links to resources on books in the science fiction genre.
- SciFan
- Books and Links for the Science Fiction Fan. It is a large database that can be searched or browsed by themes, authors or time period, to name a few.
- Fantastic Fiction
- A British site that focuses on science fiction, fantasy and horror books and authors. However, this site includes a large number of authors in other genres, listing titles and series with publishing information.


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on orders of $85 or more
Where did the Berthier coat of arms come from?
When did the Berthier family first arrive in the United States?
Coat of Arms > Berthier Coat of Arms
Some noteworthy people of the name Berthier
Tell Me More About Coat of Arms
Learn More About French SurnamesBIBLIOGRAPHYInventaire Général des Sources Documentaires sur les Acadiens. (Universit de Moncton) Beaulieu & Morley, La Province de Québec Dionne, Les Canadiens-Franais: origine des familles Tanguay, Dictionnaire généalogique des familles canadiennes Tanguay, Complément au dictionnaire généalogique Tanguay More THE BRETONSThe Bretons were originally from the ancient province of Brittany which lies in the northwestern peninsula of France. Formerly known as Armorica, a possession of the Roman Empire, this land consists of a plateau with a deeply indented coastline, and is broken by hills in the west. However, the region was renamed Britannia Minor by the Romans, following the emigration of six thousand Britons across the English Channel, an event which took place at the behest of the Roman commander in Britain. MoreANCIENT BRITTANYAncient Brittany was inhabited by the Celtic Tribes of Veneti, Curiovolitae, and the Asismii in the 3rd century BC. At this time, Brittany was known as Armorica. It was the Romans that renamed the region Britannia Minor. However, the region's current name can primarily be attributed to the Roman General Maximus, who brought over 6,000 Britons under their leader Prince Conan, son of the King of Wales and Albany as he left Britain in the 4th century. Further immigrants from Wales and Cornwall occupied the region in the 5th and 6th region. From these people came Constantine, King of Brittany, who, it is said, was the grandfather of the celebrated King Arthur of England. The Celtic Breton language is still spoken today in the western reaches of the land. MoreCHARLEMAGNEThe greatest of the Frankish rulers, Charlemagne brought a new ideal of kingship to Europe that had a tremendous influence long after his own empire crumbled. The kingdom of the Franks was one of the most powerful of the barbarian kingdoms of the Dark Ages. Founded after the fall of the Roman Empire, it included much of modern-day France, Germany, and the Netherlands, along with all of Belgium and Switzerland. Shortly before his death in 768 AD, Pepin the Short divided his kingdom between his sons Charles and Carloman. However, Carloman died only three years afterward and left Charles as sole king of the Franks. MoreFILLES DE ROIThe filles du roi, or King's girls, were women who were recruited by the French Crown to populate New France. In the 16th century, the French colonies were populated almost exclusively by men. Initially, the French Crown selected orphan girls, but they later recruited young healthy girls. In the mid-17th century, French ships carried hundreds of these women, who were often not over the age of 16, to Quebec. The king even provided "dowries" to the women, which consisted of clothing and household supplies. The women usually chose their husbands within two weeks of their arrival in the New World. MoreORIGIN OF FRENCH LANGUAGEThe French language was developed from the vernacular Latin of the Roman Empire, and is divided into three historic and linguistic periods: Old French, which developed before the 14th century; Middle French, which was used between the 14th and 16th centuries; and Modern French, which was used after the 16th century and continues to be in use today. During all of these periods, the French language was heavily influenced by other languages. MoreTHE LANGEDOC REGIONThe region of Languedoc was named after the dialect used in that region: Langue d'oc means the language that uses oc for yes. The major rival to this particular French dialect was the northern langue d'oïl, which means the language that uses oïl for yes. Languedoc as a region included the southeastern portion of the Massif Central, a plateau in the south of France, and ran from the province of Roussillon, in the west, to the Rhône River, forming the border with Provence, in the east. Toulouse was one of the most important counties in the region as it held the capital of the region, which was also called Toulouse. MoreNAPOLEON BONAPARTEFollowing the chaos of the French Revolution, the nation of France was in dire need of a stable form of government which would continue the program of modernization begun by the revolutionaries. Ironically, the nation that had rose up against its absolute monarch was now in need of an autocratic ruler. The man destined to fulfill this role was Napoleon Bonaparte, (1769-1821) who ruled as first Consul after the coup d'état that thrust him to power in 1799, and as Emperor after 1804. His reign was an era of far-reaching social and political change for France. Education and local government were reorganized, the currency of France was stabilized, and a new legal system known as the Code Napoléon was instituted. MoreNORMANDYIn the 1st century BC, Normandy saw one of its first great invasions by the Romans. The area was an important part of the Holy Roman Empire until the 4th century. In the 9th century, the area received its name of Normandy after it was raided by the Vikings, or Norsemen, from whom it took its name. MoreTHE FORMER PROVINCE OF ANJOUThe former province of Anjou encompassed the areas of southern Armorica, Indre-et-Loire, and Sarthe. Anjou's capital city was Angers. Today, the area once covered by the province is part of the Maine-et-Loire department. MoreTHE AUVERGE REGIONAuvergne is a region in the Central Massif of south central France. The Auvergne Mountains, a branch of the Cevennes range, are renowned as the highest peaks in the French interior. MoreTHE FORMER PROVINCE OF CHAMPAGNEChampagne is a former province of France, located in the northeast part of the country on the west bank of the River Meuse. Its main city is Troyes, and it is one of France's celebrated wine regions. In ancient times, the area was ruled by the Counts of Champagne. MoreTHE FORMER REGION OF FOREZForez is a former administrative region of France found on the west bank of the Rhone river and extending to the Alps. The ancient tribes of the area were the Ligures, Celts, and Massaliotes. MoreTHE REGION OF GASCOGNEThe region of Gascogne in southwest France, known to Anglophones as Gascony, is bounded by the Bay of Biscay, the Garonne River, and the Pyrenees. During the Roman occupation, between the 1st century BC and 3rd century AD, Gascogne was ruled from neighboring Aquitaine. In 418, the Visigoths took the region, but under the leadership of Clovis, who conquered Alaric II in 507, it was reunited to the French kingdom. Gascogne was again conquered in the 5th century-this time by the Franks. MoreTHE PROVINCE OF LIMOUSINThe French province of Limousin was divided into three departments, Correze, Creuse, and Upper Vienne, with the capital being Lioges. Limousin corresponds to the ancient provinces of La Marche and Limousin together. MoreTHE PROVINCE OF POITOUThe province of Gallic Poitou was a district of Aquitaine during the Roman occupation of northern Europe, from about 50 B.C.. The region was conquered by the Visigoths in the 5th century. The Franks overran the area in 507 and it was included in the duchy of Aquitaine in the 8th century. In the 8th century Charlemagne gave the kingdom of Aquitaine to his son Louis le Pieux. Louis passed this possession to Pepin 1st who held it from 838 to 848. From 848 to 855 it was ruled by Charles le Chauve. Charles l'enfant was ruler from 855 to 867. In 867 it was ruled by Louis II le Begue. In 879 Louis III passed the kingdom on to his brother Carloman and it was elevated to a Duchy. It returned to the house of Aquitaine in the 10th century and was established under the house of Poitou at its capital in Poitiers. Poiters had been Christianized in the 3rd century. It's first Bishop was St.Hilaire which became one of the religious places of Gaule. MoreTHE SAVOIE REGIONSavoie in southeastern France corresponds to the provinces of La Savoie and of the Haute-Savoie (Upper Savoie). In the 4th century the term Sapaudia emerged which was translated as Savoie. In the 6th century the Franks invaded the region. MoreTHE HUGUENOTSThe Huguenots, officially called the Hu-Gnosticorum began in the sixteenth century, where the word Huguenot came to designate French Calvinist Protestants, members of the Reformed Church established in France by John Calvin in about 1555. Calvin diverged from Catholic doctrine in the rejection of papal authority and in the individual's right to interpret scriptures; thus placing the Huguenots in conflict with both the Catholic Church and the King of France. MoreBerthier Coat of Arms ProductsAnniversaryApparel
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Made in the USA with solid cedar, the deer and pest proof 8'x8'x20" garden kit offers 45 square feet of gardening space, which is great for a family of four.
If you are looking to jump into gardening quickly, and do not want to deal with the chore of pest proofing and the challenge of irrigating your garden beds, this kit is perfect. The included 5' 8" high fence stops deer and other pests from jumping into your garden, while doubling as a trellis for tomatoes, peas, beans and other climbing vegetables.
Features & Benefits:
- Deer proof– 5'8" high fence doubles as a trellis, while preventing deer from jumping into the garden.
- Tall beds – 20" tall beds mean you don't have to bend down as far, and the soil will retain more moisture than shorter beds. Plus, you can grow larger plants with deeper roots. No liner needed.
- High quality 5/4"-thick cedar — Thick red cedar lumber that is naturally rot resistant and ideal for damp environments.
- High-quality Fasteners – Included are rust-proof ceramic coated screws.
- Automatic watering system – and timer waters your garden for you. Comes with soaker hose, automatic timer, and sprayer.
Optional Automatic Watering System:
Located at the back corner of the garden, an automatic soaker hose watering system takes even the simplest of duties out of your hands. A garden hose can be connected to the unit, or the hose adaptor can be removed so the watering unit can be tied into your existing watering system with piping. We use a digital battery operated controller, manufactured by DIG Corporation, that is very easy to use. You'll never need to worry about watering your garden - it takes care of itself. Included is
- Soaker hose - lay this around your plantings, and cover with a layer of mulch to water efficiently.
- Coiled garden hose - stores neatly on a hook, and can reach any part of the garden.
- Garden sprayer - attach to end of the hose to water your plants gently. You can manually spray your plants if you choose to or use the hose to wash your hands.
You can assemble this garden kit yourself, or have a local handyperson follow the instructions and set it up for you. Assembly can take 3-4 hours, and adding the dirt (2.6 cubic yards) can take an additional few hours. Note that no digging is required as the entire structure sits on your lawn.
All of our fencing sections are backed with black mesh. We use an air compressor staple gun and hundreds of tiny staples to securely fasten the mesh to the lumber. When the fencing is delivered, the mesh is already affixed. So, it takes only minutes to attach the fencing sections to the garden beds. The mesh will keep out dogs, deer, and rabbits. Up close, it looks attractive, but from a distance you can't even see it.
Note: This product ships standard motor freight. Freight carrier will call in advance to schedule delivery. You may need two people present to unload the shipment.
1 Year Manufacturer's Warranty
100% Satisfaction Guarantee
We want you to be completely satisfied with every purchase you make. If you are in any way dissatisfied with a product you ordered, we'll exchange it, replace it or refund your money within 30 days of purchase. Simply email us the problem, and we'll take care of you. Certain products have extended warranties (up to 50 years!) that are listed on the particular product page. Please call us at 1-888-451-6752 if you need further clarification.
Additional Information
Weight | 480 lbs |
Board Thickness | 1.25" |
Planting Depth | 20" |
Planting Space | 65 Square Feet |
Key Feature | 5 foot 8 inch high fence protects your vegetable garden from pests |
Assembly TIme | 4-5 Hours |
Origin | Made in the U.S.A. |
Shipping Information
- Shipping Details:
- Insured against damage or loss while in transit
- This Product Ships To:
- US Lower 48
- Ships Via:
- Ground Only (No express)
Questions about the Deer Proof Cedar Complete Raised Garden Bed Kit - 8' x 8' x 20"
No questions asked yet
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- No-hassle, 30 day returns
- No sales tax
- Quick shipping
- Secure shopping (SSL, PCI, McAfee Secure)
- In business since 2000
- Member of Better Business Bureau, Green America, and US EPA Watersense
- Carbon-neutral, Family-owned business that promotes sustainability!


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quote: one time Shaw played EJ in round 1 of 5A and it was at Yenni even though Shaw was the higher seeded team
quote:2 Haynesville at 10 Westminister Christian
quote:5A 1 Rummel at 9 Ouachita 5 Catholic (BR) at 13 Mandeville 6 Airline at 3 West Monroe 2 Barbe at 7 Parkway
quote:Either one would be great. Are the finals live this year or tape delayed?
quote: LHSAA Quarterfinals thread I believe tape delayed. I can only remember one time that they were live. Would be nice if they were live annually
quote: If it wasn't for the BS of us having to travel to Shreveport again, apparently regardless of who the higher seed is, I would predict a U-High win.


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ABC Mouse Pal
This Mouse is 18 inches long and has ABC on one side and 123 on the other as well as has a small rattle inside. A very unique and colorful plush toy.
Recommended Ages: 18 months+
For larger quantities not available on our site click here
P.O. Box 501 Stephenville TX 76401 | Email: email@example.com | Fax: 254-693-7741
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Store for Knowledge is UpFront


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This is a "machine-selection optional" part.Please choose a vehicle to see the options specific to your machine,choose from all of the options below and add to cart.
User Tip: If you're unsure of your vehicle type, you may skip the machine type selection box.
"Customer service is priority #1 at Rocky Mountain ATV/MC. We value our customers and strive to be the best shopping experience- when you buy from us, you are buying lifetime service."
-Dan Thomas, CEO and Founder
We take pride in offering no hassle returns. In the event of a return, please call, email or chat with us to receive a solution to the problem. For apparel that doesn't fit quite right, Click here to see our Fit Guaranteed Program.
We will stand behind all products we sell with regards to manufacturing defects in workmanship and material. Most products are limited to the manufacturer's warranty. However, we will do everything in our power to take care of the problem.
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(Leave email if after hours)
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Each review submitted enters you into a $100 gift card monthly drawing, and a $500 gift card quarterly drawing!
Comments On Nov 11, 2014:Made my clutch pull a lot easier! plus I don't have to worry about breaking a lever anymore
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Comments On Nov 10, 2014:Will this lever fit into a stock perch on my bike? 2012 kx250f or you guys sell the perch to
TECH NOTE: This lever will work with the stock perch.
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Comments On Sep 27, 2014:I ride mx and offroad. I'm tired of having to replace the oem lever after crashes. The ASV works well and looks good. Thanks RMATVMC.
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Comments On Feb 10, 2014:Looks ,Works and feels like a Quality lever.
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Comments On Dec 04, 2013:I bought on for the reason that it has not only adjustment for pull but also how far your lever can be from the grips. I run Harescrambles and wanted to alleviate some of the arm pump without buying a recluse clutch like everyone else. It does great but make sure you don't just set it up for comfort since what really matters is getting it set up for the best pull you can to eliminate stalling from incorrect adjustment.
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Comments On Jun 21, 2013:already had ASV lever, but used the stock perch. That worked ok, but didn't have a rubber boot, and it collected dirt ez. This complete unit is magic compared to the lever only. Makes clutch pull way easier, and the on the fly adjustments are sweet!
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Comments On Apr 13, 2013:bought it for my 13 kx450f wow does it have a lighter feel. it feels lighter to pull and alot smoother. the adjustment for the hand size is amazing. already got to test its durability by a sharp rut turn that i ended up laying the bike down and no breakage bent where its supposed to and back to original with no different feel not even a scratch on the lever. A stock lever would have bent or snapped. SOLD FOR LIFE ON THESE LEVERS!
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Comments On Feb 15, 2013:This lever looks and works great only think is in my second crash I did crack part of it not but but enough to notice. I thought they were unbreakable? But still functions fine and has been used months after the crack.
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Comments On Jan 10, 2013:This gives the KDX200 an extremely easy clutch pull. It is a lot of money but well worth it.
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• Sterling silver dangle earrings in a left and right design
• Open scroll design from a filigree motif
• Measure 2-1/4" long x 1/2" wide with sterling silver lever backs
• Designed and crafted in America
You'll feel fun, flirty and fabulous when you wear these all-sterling linear earrings. The dangling design creates lovely movement, while highly polished openwork scrolls gleam in the sunlight or candlelight. Day into night these earrings are bound to become a classic in your jewelry wardrobe.
Learn more about our jewelry
Decade after decade country music stars have taken the stage. An eye for fashion is part of their charm, the exquisite craftsmanship of their jackets, the richly unfolding embroidery stitched by hand and shining upon their sleeves. Sterling silver blooms in an iris motif to celebrate the state flower of Tennessee, interpreting the embroidered patterns found in country western fashion with contemporary simplicity and style.
Like all fine jewelry, Carolyn Pollack Sterling Silver Jewelry should be handled carefully. Store jewelry in a plastic bag, dry and wrapped in tissue paper, when not being worn or displayed. Clean sterling silver with a silver polishing cloth when necessary, but never subject to chlorine, silver dips, chemical solutions or ultrasonic cleaners, as these substances can cause the genuine gemstones to discolor. Never wear jewelry in a swimming pool.


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Halifax Pack
Boasting a low profile with tough fabrication and plenty of storage, the Halifax Pack provides the perfect balance of function and style. Heathered herringbone polyester and tarpaulin panels offer enhanced durability to withstand extreme conditions, while your gear stays protected inside the top-load main compartment with a buckle closure for added security. Additional pockets inside and out keep electronics and other essential items organized, while strategically placed padding softens the load on your back and shoulders.
- Dedicated padded pocket with side entry stores and allows easy access to 15" laptops
- Front-zip pocket stores quick-grab accessories
- Padded shoulder straps and back panel provide comfort while carrying
- Internal mesh pocket, media pocket and fleece-lined eyewear pocket on lid offer additional, organized storage
- 25L Capacity
- 19" H x 12" W x 8" D
- 100% Polyester
- Imported
Padded Laptop Panel
Enhanced with padding for added protection, this panel acts as a divider to create a dedicated storage area for your laptop.


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African American Genealogical Society of Northern California
Welcome to AAGSNC!
Welcome to the website for the African American Genealogical Society of Northern California (AAGSNC). Please take a look around our website to learn more about our organization, the resources we offer, and about how you can join. Thanks for visiting!
News Flash!
Dr. Tim Janzen 23andMe Ambassador
New Obituaries Database Launched by AAGSNC
New Obituaries Database Launched
The African American Genealogical Society of Northern California (AAGSNC) announced on September 21, 2013 The Obituary Project. It is an online searchable database...
Ongoing - African American Research Genealogy Workshop
African American Research (Genealogy) Workshop Description: Encountering challenges overcoming those brick walls while conducting your family's African American genealogical research? Unsure of which...
Read More...Ongoing - CGS - First Saturdays Free
California Genealogical Society - First Saturdays Free - Research and "Genealogy for Beginners" Classes Description: "Genealogy for Beginners" is part of the "First Saturdays Free" policy that allows...
Read More...General Meetings
Who can attend:
AAGSNC meetings are
open to the public.
Meetings are held the third Saturday of each month except July and August.
1:30 pm. until 4:00 pm.
Oakland Public Library
Dimond Branch
3565 Fruitvale Ave
Oakland, CA 94602-2398


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In Standards & Travels on EE Times, Bruce Swanson reminisces about a trip he took to Europe, long before there were cell phones, a common currency, or even the Internet. Dealing with different languages, different currencies, and different local customs took time, was a bit frustrating, and sometimes led to mistakes (WHERE is this train going?!). His experiences on that trip came to mind recently … Read More
IEEE standard, IJTAG, desgin for test, yield analysis, P1687, Silicon Test