text:
NEW YORK (TheStreet) -- Goldman Sachs (GS) and IBM (IBM) have a lot in common right now.
Both firms are suffering from weak top-line revenue growth, they have spent years repurchasing shares in what has been a slower than-expected economic recovery from the 2008 financial crisis, and they are now both members of the Dow Jones Industrial Average. After Warren Buffett-run Berkshire Hathaway (BRK.B) converted a crisis-time stock warrant for Goldman shares in early October, both firm's also count the "Oracle of Omaha" as a top shareholder.
Thinking about Goldman Sachs and IBM's disappointing earnings results within the context of Berkshire's investment may help investors weed through short-term factors impacting both firms' quarterly earnings and long-term trends that may eventually play to the benefit of patient shareholders.
IBM has missed revenue and profit expectations for two of the past three quarters, while investors have generally discounted Goldman's better-than-forecast profitability in 2013 because results have been driven by legacy private equity investments and not the firm's core investment banking, wealth management and trading businesses.
In early Thursday trading, investors were selling shares in both firms. Sell-side analysts were also trimming their expectations for coming earnings reports. After an over 7% tumble, IBM shares now sit at their lowest level since mid-2011, when Buffett was building an over $11 billion stake in the IT services giant.
However, before Buffett-watchers begin to question the acumen of the billionaire investor, they should remember he isn't banking on "Big Blue's" near-term share price performance. In fact, Buffett said in Berkshire's 2011 letter to shareholders he wouldn't mind if IBM's shares stagnated for as long as five years -- comments that likely raised a few eyebrows in IBM's C-Suite.
"I won't keep you in suspense. We should wish for IBM's stock price to languish," Buffett wrote in the February 2012 investor letter. In particular, Buffett said that as IBM set out on a $50 billion, five-year, share buyback program, he wouldn't mind an under-performance in the firm's stock.
If IBM's shares were stagnant, the company's authorization to buy up to $50 billion in stock would boost Berkshire's economic interest in "Big Blue" and give it an even more attractive claim on future earnings streams, Buffett said.
"If you are going to be a net buyer of stocks in the future, either directly with your own money or indirectly [through your ownership of a company that is repurchasing shares], you are hurt when stocks rise. You benefit when stocks swoon," Buffett.
Thank God IBM's earnings are suffering? Thank God the firm's hardware unit has turned to losses and sales in China are reflecting a significant slowdown in corporate activity? Kudos to Salesforce.com (CRM) and Oracle (ORCL) for trying to win IBM's data center customers?
Not quite.
As IBM continues to conduct its stock buyback, the firm will eventually need to return to growth. In particular, IBM will need to execute on its "Smarter Planet" and "Smarter Cloud" initiatives to build tens of billions of dollars in revenue from new data analytics and cloud computing businesses. No amount of share buyback will compensate from poor execution on the firm's strategic goals, especially in the ultra competitive technology industry.
Buybacks, however, are a predictable way for a firm like IBM and its investors to smooth out a transition process. If management executes, patient shareholders like Buffett will be rewarded.
Goldman Sachs faces similar challenges.
The firm is trying to adapt its business to a new regulatory climate that is cutting at the profitability of key trading businesses and is making overall earnings far less exciting. Goldman also is struggling to report growth in a lukewarm macroeconomic environment that is constraining the merger, IPO and financing activities of its biggest corporate customers.


text:
A Coon Rapids woman is facing two felony and one gross misdemeanor charges in Anoka County District Court after she allegedly stabbed a man with a steak knife.
Elizabeth Amber Dempsey, 28, was charged Aug. 1 by the Anoka County Attorney's Office with felony charges of 2nd-degree assault and terroristic threats and a gross misdemeanor charge of interfering with an emergency telephone call.
According to the criminal complaint, the Coon Rapids Police Department 2:45 a.m. Aug. 1 responded to a 911 hang-up at a home in the 10100 block of Palm Street. An adult male at the scene told police that Dempsey had stabbed him with a steak knife during an argument.
Officers saw and photographed a small break in the victim's skin and a droplet of blood where Dempsey had allegedly stabbed this man.
The victim claimed that he was stabbed while trying to call 911 and that Dempsey had unplugged the phone when he was on the line, according to the complaint.
Officers found a knife hidden in the master bedroom that is the weapon suspected to have been used by Dempsey, according to the complaint.
Eric Hagen is at [email protected]

subset: commoncrawl


text: Hi > > > > Give me the expected behavior (consensus, please) and I'll implement. > > consensus. haha. that's funny. It might not be what you intended but it looks like you are making fun of someone who is eager to fix and improve his software. if there are problems in having consensus ,explaining that or directing him to discussions taken place already might be a better thing to do -- Regards, Rahul Sundaram


text:
Contractor Charged after Fatal Botched Building Demolition
FOX News reports that a Philadelphia contractor is facing multiple felony charges including murder and manslaughter following a botched building demolition that resulted in the deaths of six people.
Philadelphia Building Demolition Takes Tragic Turn
"The tragic and preventable collapse… robbed our city of six amazing Philadelphians and left an additional 13 wounded." – Philadelphia District Attorney Seth Williams as reported by FOX News
- Griffin Campbell was hired to oversee the demolition of a run-down store front which ended in a 40 foot section of wall collapsing on top of a Salvation Army thrift store.
- 19 people were buried under the rubble, leaving six of the victims dead.
- According to Philadelphia District Attorney Seth Williams, Campbell was made aware of potential dangers the night before the June 5 demolition by an architect, but chose to ignore the warnings.
- Williams alleges that Campbell, who was being paid a flat rate, cut corners in order to meet deadlines and reduce costs in hopes of maximizing his profits.
- The D.A. also stated that Campbell removed valuable floor joints from the building after being given permission to salvage materials, resulting in the exterior walls losing stability.
- A video posted on YouTube shows an excavator being used in the demolition as bricks and sections of wall smash down on an open side walk. There was no scaffolding in place to catch the debris or act as a support for the exterior wall.
Criminal Charges Filed against Campbell
Though investigations into the collapse are ongoing, Campbell has been charged with a number of felonies and is considered to be the primary culprit.
The current charges include:
- Six counts of 3rd degree murder
- Six counts of involuntary manslaughter
- 13 counts of reckless endangerment
- Criminal conspiracy
- Risking a catastrophe
Charges were previously brought against Sean Benschop, the excavator operator, after it was determined that he was high on marijuana and painkillers while operating the heavy equipment – the charges are still pending.
Lawsuits have been filed against both Campbell and Benschop as well as the property owner.
Contact an Experienced Premises Liability Attorney
Because of careless property owners, many people will suffer catastrophic injuries such as brain injuries or spinal cord injuries. The nature of many injuries which occur on dangerous property can be more than painful- they can be permanent.
Do not let your injuries overwhelm your life. If you have been seriously injured as a result of a condition or the use of real property, contact Thomas J. Henry. As your premises liability lawyer, we will secure proper medical care and fight to make sure you receive proper compensation. We are available 24/7, nights and weekends and we represent clients/victims all over the country.


text:
Effective + Vi Peel Q&A
Is the Vi Peel Safe to Use at Home? Effective?
Is the Vi peel a type of enzyme peel? I heard of this peel(Vi peel) that people can use at home because its so gentle. I was told that that this peel... READ MORE
Is the "Vi Peel" Chemical Peel Good at Removing Precancerous Cells?
I've read that chemical peels like TCA can remove precancerous cells, but cause some pain and peeling. The "Vi Peel" promotes itself as being mostly... READ MORE
Will the Vi Peel Work for Dirty Elbows?
My right elbow has dark patches. The only way it comes off is if i scrub really hard all the way to my third layer of skin, very painful. I'm just... READ MORE
Will Vi Peel Help with Crows Feet, Eye Are Lasticity?
Does vi peel help with slight lasticity issues and the beginning of fine lines around the eye area? Does it rewind the aging process? Does it create... READ MORE
Are Vi peels effective for wrinkled knees?
Hi, I heard the VI peel could be quite effective at getting rid of "elephant knees." I am fairly young, 37, but have wrinkled knees due to... READ MORE
Day 4 after peeling and minimal peeling.
I did got a vi peel on Friday, it is now Monday, I have a minimal amount of peeling mainly near my mouth and a little on my forehead (not readily... READ MORE
Will Vi Peel Help Acne/acne Scars in Conjunction with a Few E-Matrix Treatments?
I have severe acne scars, pitted, rolling and others, I also have large pores, oily skin and while im American my entire family tree is Middle Eastern... READ MORE


text:
found a new home!
Plenty of my friends are looking
for one too. Find a pet to adopt.
I am already neutered, housetrained, in need of an experienced adopter, and up to date with shots.
Finn is now living with cats and just ignores them. He deserves a chance at a forever family with experienced dog owners.
This handsome boy is Finn. He's a 5-year-old 100-pound shepherd lab mix. He is available for adoption and is right here in Maine!
Finn is good with other dogs. He is currently in residence a local doggie daycare and having a great time! His favorite playmate is a female Rottie named Missy.
Finn is a bit shy/stand-offish with new people - but bonds very quickly. When he bonds with you - you have a friend for life. If you are looking for a dog who will think the sun and the moon rise and set with you - then Finn is the dog for you.
Finn is doing great! He's in big or small playgroups at doggie daycare and seems to get along with everyone. He is quite a good swimmer!
He would make a great companion for someone that was looking for a dog to take everywhere with them and would enjoy another canine companion in his new home.
To apply to adopt Finn, please visit our web site here to find out about our adoption process.
**Please note: we do not have a physical location, we are supported by a network of wonderful foster homes that are spread throughout New England. A dog will need to be visited by a prospective adopter in the foster home where they are feeling safe and comfortable.**
Thank you for considering rescue!
Finn-Sept. 2013 update-in ME, a kennebunkport Shepherd (Unknown Type)/Labrador Retriever dog was adopted! Here's how you can benefit by looking at adoption as an option to buying a Shepherd (Unknown Type)/Labrador Retriever for sale in kennebunkport, or seeking a Shepherd (Unknown Type)/Labrador Retriever dog from a breeder in kennebunkport.


text:
|Thread Tools
I've got this problem for ages. Usually DH's clothes or sheets or towels would smell fresh and nice after washing. Then I fold them and put them away or hang them in closet. If he doesn't use them for a while (say a few weeks), these thing start to smell off. The longer they sit there the worse they smell until they contaminate whatever was next to them as well. The kids's clothes or mine don't ever have this problem. Thank goodness he has his own closet.
We've always been using front loader, either Tide HE, Ecos HE or Nellie's laundry soda. I'm guessing these stuff simply didn't get 100% clean. We have high humidity here and what's left eventually feed bacteria? He works an office job and hardly does any yardwork or exercise, you'd think washing his shirts once would be enough. Can anyone suggest a good way to make his clothes clean in one wash cycle? Washing soda? Oxyclean? Hot water (not all the fabric can use that, though)? We do have a cloth diapers cycle on our machine that probably would kill everything, but it takes 2 1/2 hours. I'd rather not use that much energy if some laundry additive can fix that.
Mom to 2 beautiful autistic boys (13 & 12)
-Us , Him and her
What type of material are the clothes? I have no issues with 100% cotton, even though it is wrinkle-free.
I've had the exact same issue here--and he DOES wear an undershirt every day. I hate front-loading washers. They simply don't get things clean. This may help some...http://www.ecokaren.com/2009/06/front-loading-washer-maintenance/
Try washing with a bio powder and on hottest cycle.
Thanks for all the suggestions! I've been adding washing soda and borax and that seem to help a bit. I also told him to declutter. He has too many shirts that he doesn't wear. If they're worn regularly they would not develop funky smell. He's lost 20 lbs and still holding onto his ginormous shirts. Most of his clothes are cotton so they should be able to withstand vigorous cycles.
Mom to 2 beautiful autistic boys (13 & 12)
I've had the exact same issue here--and he DOES wear an undershirt every day. I hate front-loading washers. They simply don't get things clean. This may help some...http://www.ecokaren.com/2009/06/front-loading-washer-maintenance/
Count me in as another that has been disappointed by her front loader. Our first was a no-frills GE and that one was fine. The current fancy Elextrolux model smells danky and moldy and like the OP mentioned, freshly washed clothing can smell off.
That is a good link. I am generally lazy when it comes to that type of maintenance but I need to make the time to do it.
Just the other day, I was listening to a radio show. The host was talking about his experience with a front loader. (also a stinky laundry issue) He contacted a rep from the company and learned that the newer detergents contain enzymes that actually encourage bateria growth. When water sits in anywhere in the washer, the residual detergent creates an excellent environment for bateria to grow. Great......
You could throw in a little PineSol as a disinfectant. (Keep it away from the kids, though--it looks like apple juice.)
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text:
Need a place to escape from the world of spouses, children and responsibilities, even if only for a few hours to catch the ballgame?
1800 Tequila wants to make it easier for that dream to become a reality with its new promotional "Win the Ultimate Man-Cave" sweepstakes.
One winner will receive $10,000 to put towards a room devoted to relaxation, a place where cigars and drink take precedence over work.
Sound familiar? It should, as Partagas is running a similar "man-cave" promotion.
"There's been a lot going around with man-caves lately," said Leah Minium, spokeswoman for 1800 Tequila.
To enter the contest, visit 1800tequila.com/mancave. The contest ends August 15, and entrants can enter their names once per day until then.
Log in if you're already registered.
Or register for Cigar Aficionado today—it's free.
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Delilah - Suckin & Titty Fuckin (part one)
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text:
Roma champion and Christchurch Bushmead vicar Martin Burrell is appealing for volunteers to help teach English to Luton's Roma community.
The former Scottish Opera Orchestra clarinettist said: "Since January, Romanies have had the opportunity under EU laws to work in Britain. But if they don't have English, they're not going to be able to hold down a job.
"There are lots of courses out there but Romany people prefer to have English brought to them in their homes.
"We have a project that's been running for nearly a year, funded by the Luton and Bedfordshire Community Foundation. It aims to help them engage with English, in recognition that this is a route to work and to integration.
"But we need to recruit many more volunteers to meet the huge need from the Roma community."
The project's literacy and language co-ordinator is Tracy Guy, 44, of Bushmead who did her training in ESOL (English as a second language) at the University of Bedfordshire.
The current course is run by Luton Adult Learning Centre.
The former pre-school practioner said: "It's very similar to an early years foundation course – it's the same sort of principle, teaching people how to read and write.
"I visit several ladies with mixed abilities and basic English. We look at the alphabet and I help with filling in forms.
"I really enjoy what I'm doing. I feel I'm making friends – and making a difference."
She added: "We're looking to recruit as many volunteers as we can and we'll train them up.
"They don't have to have a teaching background – we will teach them to teach English.
"People who respond should be flexible and prepared to work within a family unit. It can be challenging but it's also very rewarding."
Romanian widow and mother-of-six Cornelia Angel, 44, has benefitted from an ESOL course.
She said: "When we arrived I had no money, no work, no house. I sold flowers and did cleaning jobs." Now all her younger children are at school and she's had an interview for a full-time job in a care home: "Thanks to Martin – and Jesus."
> Find out more by emailing firstname.lastname@example.com


text: Looks like Sony will be releasing an update to the JB firmware. Sony confirms Bug Fixing Android 4.1.2 Jelly Bean update coming for Xperia S, SL, Acro S. ETA - a few weeks | Xperia Guide Hopefully this will get rid of the keyboard issue my wife has. The screen is always ten steps behind what she is typing. Thats after factory resets as well.


text:
Photo courtesy of Gregg Forwerck
AJ Khubani, (from left), TeleBrands founder and CEO and Todd Bauswell, finalist from Royal Oak. Todd Bauswell, of Royal Oak was selected among the top three inventors at the TeleBrands/Charlotte Checkers Inventors Day at the Time Warner Cable Arena in Charlotte, North Carolina on Dec. 10. Inventors from around the country gathered to pitch their products to TeleBrands Founder and CEO AJ Khubani and a panel of judges, in the hopes of landing the next "As Seen On TV" hit.Out of 20 inventors, the top three, as selected by the panel, filmed 15-second pitches, which were shown on the scoreboard during the Charlotte Checkers hockey game later that evening.
Bauswell created Cool Tray, which easily and securely transports dishes from the microwave or oven to the table or counter, while safely eliminating burns and spills.
Inventors are encouraged to submit their products to firstname.lastname@example.com for future Inventors Days.
TeleBrands Corp., headquartered in Fairfield, New Jersey, was founded in 1983 by businessman and entrepreneur AJ Khubani. Since its inception, the company has brought fun and useful inventions to consumers worldwide and has launched more products through direct response television than any other company in history. TeleBrands products include PedEgg, HeelTastic, Jupiter Jack, BottleTop, Windshield Wonder, Crazy Critters and Perfect Fit Button.


text:
BRUNSWICK GA SHOOTING: Another baby has been murdered by thugs — 13 month old boy was shot after two young males accosted the baby's mother on a Brunswick, Ga., street. The mother was also wounded. The suspects are thought to be between 10 and 15 years old.
According to WJXT, the mother, who was the only witness to the shooting, said she was confronted by two boys and described the shooter as a black male between 13 and 15 years old, wearing a long sleeve red shirt. This latest murder comes weeks after Jonylah Watkins was killed in Chicago as her father changed her diapers.
The child's mother has been identified as Sherry West. She said she didn't have any money and tried to protect her son, Antonio Santiago, before he was shot. She was walking near her home. West said, "I put my arms over my baby and he shoves me, and then he shot my baby right in the head." She was shot in the leg.
Brunswick Police Department is offering a $10,000 reward for information leading to an arrest and conviction. Please call the BPD Silent Witness line at 912-267-5516 of the Glynn County Police Department's Silent Witness line at 912-264-1333. You can also email information to email@example.com. Brunswick is located 80 miles south of Savannah.
UPDATE#1: De'Marquise Elkins, 17, and a 14 year old are facing first degree murder charge in the Brunswick GA shooting that left an innocent 13 month old baby dead and his mother, Sherry West, wounded. There are no words to describe how I feel about the fate this baby suffered at the hands of two thugs. We have their parents to blame for raising these two monsters.


text:
Raleigh, N.C. — The board of the North Carolina Rural Economic Development Center voted behind closed doors Thursday to deny former President Billy Ray Hall his $242,000 severance package.
Hall's $220,000 annual salary and the severance package were cited in a July state audit that led to his resignation and that of Rural Center Chairwoman Valeria Lee.
Board members declined to comment on the move, but Acting Chairman Bill Gibson said members decided to create a special committee that will "review and make recommendations for honoring Billy Ray's contributions to the center and rural North Carolina as a whole."
No further information was provided about the committee or whether honoring Hall's service would entail any monetary payout.
Hall and his attorney couldn't be reached for comment.
State lawmakers stripped the agency's funding and shifted oversight of rural economic development to the state Department of Commerce following the audit, which also criticized the center for not adequately monitoring its grants to ensure recipients use the money as intended.
Senate President Pro Tem Phil Berger thanked the Rural Center board for its action through a Twitter message: "Pleased w/ Rural Center Board's responsible stewardship of tax dollars intended to boost rural economies."
Withholding severance could set up legal fight for Rural Center
The Rural Center last month transferred most of its assets to the Commerce Department, and board members said they plan to move forward with a mission of coordinating business loans in rural communities and providing scholarships and leadership training.
After the transfer, the center was left with about $7 million, including $4.3 million in interest earned off state funding. State auditors and lawmakers criticized the agency's ability to retain the interest, but state law doesn't require the center to turn the earnings over to the state.
"Will we ever be at the same level where we were at the height of our funding and staffing? Probably not, given the budgetary times of today, but that doesn't mean we can't still have that impact," board member Brian Crutchfield said.


text:
|Version 2 (modified by waern, 9 years ago)
The Haddock Wiki and Bug Tracker
Haddock is a documentation-generation tool for Haskell libraries. This is its developer wiki and bug tracker. It was just created and doesn't contain much yet. If you want to, you can help fill it with content. Just register an account, and then edit away.


text:
Maths Computing News
1667) 21/12/11 LibreOffice 3.4.4 on Linux
SUMMARY: LibreOffice 3.4.4 is now available for testing on the Linux systems.
A newer minor bugfix release of LibreOffice has been installed that for testing. LibreOffice 3.4.4 was released on 9th November. We had planned to install it for testing much earlier. Apologies for the delay.
At the moment you can run it from a terminal as either:
- libreoffice344
- libreoffice-test
It will replace LibreOffice 3.4.3 in a week or two (ie in early January) unless any serious bugs are found and reported.
We have tested it with a few .doc, .xls etc files and it seems to open them at least as well as the previous version version did.
It has the same features as the 3.4.3 version announced in news item 1630, with the following bug fixes:
- http://www.libreoffice.org/download/release-notes/#LO344
- http://wiki.documentfoundation.org/Releases/3.4.4_info_about_fixes
The current release-plan for LibreOffice (http://wiki.documentfoundation.org/ReleasePlan/3.4#3.4.5_release) suggests that 3.4.5 will be probably released in early January and we hope to have that available for testing within a week of that release.
Complaints etc to firstname.lastname@example.com as usual.
Computing and IT
All users of Maths computing and IT services are welcome to sign up for these lists.
- Test new software and IT systems in Maths before they are released to all members
- All Computing Announcements
- Important Computing Announcements only including reboots


text:
REGINA – An 83-year-old man from Regina is dead after the car he was driving collided with a semi.
R-C-M-P say the crash happened last evening on the Trans-Canada Highway at Indian Head.
The truck driver wasn't hurt.
The westbound lanes of the highway were closed for several hours while police investigated, but they've since reopened.
© 2014 The Canadian Press


text:
Props to Jazzy HipHop + Cool Design; a dope music+design journal based out of Japan. They gave me a huge feature on their site, I took a screenshot below: Here's a link to the Japanese-language version of the page (the original) and here is a link to the Google Translate English version (does a pretty-pretty-good translation imo…)
Tag Archive for Press
Yameen on Fatlace
Big ups to Kmos @ Fatlace for hooking up this dope shout out: Peep the article here: Yameen on Fatlace Be sure to check out the site. Also, check out the Motivate Movement website for extra flavor.
Tajai in Bay Guardian (I Get Some Love Too)
Checkout my homeboy Tajai on the cover of this week's Bay Area Guardian newspaper on shelves now: The house that Hiero built I get a little bit of shine as well in the article since our first record together, Projecto: 2501 came out on Tajai's label in 1999. Definitely check it out. Tajai is one of the hardest working guys…
Wake Your Daughter Up: Interview & Contest
Check out this interview I did over at the Wake Your Daughter Up website: http://www.wydublog.com/2008/06/new-artist-spotlight-yameen.html The interview covers a lot of subjects including Hieroglyphics.com, the future of music, and of course the new album to name a few. Big shouts to Travis and WYDU for the interview! Also, they're running a contest where you can win one of 3 free…


text:
My poor babes :(
Posted by + Show Post
He woke up today sick as a dog. He's been like this on the couch pretty much all day :/ curled up with his favorite Dino and his new basketball (he's been on a basketball kick lately).
I HATE when my kids get sick. I'd rather be sick than see them suffer. I made him some medicine and am cooking chicken noodle soup now. Hopefully it helps.
Replies (41-50):
He's a cute kid! Sorry he's not feeling well.
What kind of medicine do you make? My grandma had taught us all the old remedies she used for just about everything. I don't know if its just a comfort thing.. Lol, but I really believe they work better then OTC meds.
We all were stomach sick a few weeks ago lol... That's my only bad mommy moment I honestly can't handle vomit thank god she's 5 now and makes it to the potty now ... Stay strong it'll b better before u know it! :)
by Sapphire Member on Mar. 29, 2013 at 6:16 PM
Oh no. Hope she feels better soon.
You should try colloidal silver for her ears.
You should try colloidal silver for her ears.
Quoting proudmommy690:
Poor lil man
Took my baby to the dr today shes got a double ear infection :(
by Silver Member on Mar. 29, 2013 at 6:17 PM
My little man is feeling the best either. Were driving home from Texas. He is tired of being in the car. He drove 18 hrs to tx from il for vacation. Now were on the way back 11 hrs to go!!!
by Sapphire Member on Mar. 29, 2013 at 6:17 PM
He's sitting on my lap.... I have the soup simmering...already gave him meds. We are watching lion king. Not sure what else I'm supposed to be dojng
Quoting Anonymous:
Get the fuck off cm and take care of your sick child ffs smdh.
1 mom liked this
Shakes head yip...no problem....hope your homemade meds & chicken soup help him feel better.
Quoting 504bbymami:
Thank you :)
Quoting jbirdsladie27:
Bummer...he's still a cutie.
Feel better little man.
by Sapphire Member on Mar. 29, 2013 at 6:18 PM
His cough sounds BAD. I hope it's not strep :/
His cough sounds BAD. I hope it's not strep :/
Quoting mommaheather87:
Awe poor baby! My girls just got over strep...had it for 3 weeks:( hope he feels better soon!!
Add your quick reply below:
You must be a member to reply to this post.


text:
PRZOOM - /newswire/ -
Paris, France, 2012/01/30 - Morpho (Safran group) announced today that it has achieved the International Organization for Standardization (ISO) 27001 certification for its identity management, identity card and passport personalization site in Tirana, Albania - Safran-Group.com. PAR: SAF | SAFRAN
This certification confirms that the infrastructure and processes implemented by Morphos information security management systems meet the industrys most stringent security standards.
Morpho set up this concession in 2008 to provide the Albanian Ministry of the Interior with a complete, end-to-end secure e-ID card and e-Passport issuance solution, based on its cutting-edge MorphoCivis Suite, composed of biometric identity management and e-Document issuance products.
The ISO 27001 certification was awarded to Morpho following a rigorous auditing process by LSTI (La Sécurité des Technologies de LInformation) and covers the entire document personalization process: data verification, identity deduplication, investigation and document personalization.
This ISO 27001 certification acknowledges Morphos dedication to maintaining the highest security standards for the benefit of our customers across the world, said Jean-Paul Jainsky, Chairman and Chief Executive Officer of Morpho.
About Morpho
Morpho, a high-technology company in the Safran group, is one of the worlds leading suppliers of identification, detection and e-document solutions. Morpho is specialized in personal rights and flow management applications, in particular based on biometrics, a sector in which it is the world leader, as well as secure terminals and smart cards. Morphos integrated systems and equipment are deployed worldwide and contribute to the safety and security of transportation, data, people and countries.
SAFRAN Contact
Morpho (groupe Safran)
Communications Department
11 boulevard Gallieni
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text:
(503) 624-2678
Champion Window of Portland LLC
64 years in business13009 NE David Cir
Portland, OR 97230-1077
Fax Numbers
- (971) 634-2678
Additional Phone Numbers
- (877) 624-2678
- (503) 214-2689
Additional Email Addresses
- email@example.com
Find a Location
BBB File Opened: 04/22/2004
Business Started: 01/01/1953
Business Started Locally: 01/01/1953
Type of EntityLimited Liability Company
Business Management
- Mr. Jack Ensign, Division Manager
Business Category
- Windows & Doors - Installation & Service
- Patio & Deck Builders
- Patio, Porch & Deck Enclosures
- Patio Cover
- Roofing Contractors
- Siding Contractors
- Windows - Installation & Service
- Windows
Products & ServicesWindows, Doors, Patio Rooms, Patio Covers, Siding, Roofing, Gutters, Garage Doors
Alternate Business Names
- Champion Window Co of Portland LLC
Licensing, Bonding or RegistrationThis business is in an industry that may require professional licensing, bonding or registration. BBB encourages you to check with the appropriate agency to be certain any requirements are currently being met.
Methods of Payment
- Cash, credit and we offer financing plans
This company offers manufacturing and installation of superior replacement windows, doors, patio rooms, vinyl siding and accessories.
BBB Reason for Ratings
Licensing information is provided in the BBB Business Profiles to inform the public about industries that may require professional licensing, bonding, or registration. Better Business Bureau encourages you to check with the appropriate agency to be certain any requirements are currently being met.
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BBB promotes truth in advertising by contacting advertisers whose claims conflict with the BBB Code of Advertising. These claims come to our attention from our internal review of advertising, consumer complaints and competitor challenges. BBB asks advertisers to substantiate their claims, change ads to make offers more clear to consumers, and remove misleading or deceptive statements.
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BBB reports when mail sent to the business was returned by the Postal Service.


text:
If you happen to be SCUBA diving off Australia, and you see a clump of algae drift by, look again. It may be a stealthy octopus. Researchers have discovered that two octopus species, including the Australian species Octopus aculeatus, can walk along the seafloor with two arms, using the other six to keep up a disguise.
Octopuses are masters of deception. They can change their shape and coloring to blend in with their backgrounds or even impersonate other sea creatures (ScienceNOW, 29 August, 2001). Such skills are real lifesavers for an animal that is essentially "a soft-bodied, yummy hunk of protein that everybody is trying to eat," says Roger Hanlon of the Marine Biological Laboratory in Woods Hole, Massachusetts. But most guises only fool predators when an octopus is sitting still. As soon as it moves, it looks like a mobile morsel.
That's why the behavior of O. aculeatus is so fascinating, says Christine Huffard, a graduate student at the University of California, Berkeley, who led the new study. The octopus can scurry along the seafloor on the tips of two arms--planting one "foot" before the other in a motion surprisingly reminiscent of human walking--while it keeps its other six arms extended in a fairly convincing algae imitation (see links below).
In the 25 March issue of Science, Huffard and colleagues also report that an Indonesian octopus, O. marginatus, performs a similar trick, walking on two arms with its other arms balled up beneath its body. The researchers interpret this behavior, perhaps somewhat imaginatively, as an impression of a rolling coconut. Both octopuses can move slightly faster in stealth mode than they can when crawling with several arms, another possible advantage, Huffard says.
"It's a spectacular observation," says Hanlon, who was not part of the research project. He adds that two-arm walking is no simple feat for an octopus. "It's like me telling you to stand on your head and move around with only one arm," he says. "The interesting thing about this is the combination of a sophisticated behavior of locomotion with an equally sophisticated cryptic body pattern." William Kier, a biologist at the University of North Carolina, Chapel Hill, agrees: "It's another really excellent example of the range and diversity of behaviors that these animals are capable of."
Related Sites
Octopus video 1 Octopus marginatus
Octopus video 2 Octopus aculeatus
Huffard's site
Hanlon's site
Kier's site


text:
Sam's Club approved by Jefferson City Planning & Zoning
Fri, 13 Sep 2013 00:42:37 GMT —
The state's capital city is one step closer to getting a Sam's Club outlet after the proposal cleared a key hurdle Thursday evening.
The Jefferson City Planning & Zoning Commission unanimously approved a permit allowing construction of the 136,000-square-foot facility to go forward. The project's engineer told the commission the store would need to fill about 150-175 job openings once it is complete and said a bus stop will be included on the property. The store would be located behind the Menard's on Hard Rock Rd. on the west side of town. Jefferson City currently has two Wal-Mart outlets but no Sam's Club.
Commission member Dale Vaughan told KRCG 13 he thought the Sam's Club would help offset job losses from the recent R.R. Donnelly plant closing. He said the city benefits from new commercial development. No one spoke in opposition to the project Thursday evening.
The city council still needs to hold a public hearing on the project before voting on it. That hearing is currently set for Oct. 21. Vaughan said once the council approves the project, construction could start at any time.


text:
Korres Featured Products
List of all Korres Products available - Korres Make Up and Skincare
The Tzivanides Pharmacy, located in Athens was set up in the mid 60's as Greece's first homeopathic pharmacy. George Korres joined the team in 1989 whilst studying Pharmacology at the University of Athens. Although he was skeptical at first about homeopathy, George was soon overwhelmed by the power of the natural ingredients. Driven by a passion and deep understanding of herbs, Korres developed a natural skincare line. From there the Korres brand took off to become the simple and chic skincare and cosmetics line we have today. Includes Foundation, Multivitamin Compacts and Body Treatments.


text:
It is quite common for students to study abroad more than once. If you are thinking of studying abroad again, please come by the Office of Global Programs to see what options you have.
The Office of Global Programs has some information on graduate programs abroad, but our resources are limited. Your advisor may have information or brochures about graduate school opportunities abroad. However, there are good websites to help you get started. Review online international graduate school information and you can also make an appointment with the appropriate advisor for more information.
Your study abroad experience could possibly make you an excellent candidate for several prestigious international scholarships, including the Rhodes, Fulbright, and Marshall scholarships, if you are interested in applying for graduate scholarships for international study.
Information about work abroad opportunities can be found at The Office of Global Programs or on the following page. This site includes information regarding international employment and other international possibilities.
There are hundreds of programs and possibilities for working abroad. If The Office of Global Programs does not have something that catches your interest, then you should take a look at Jobs Abroad for other opportunities.
You may also be interested in participating in a volunteer program overseas. There are numerous agencies that coordinate volunteer programs throughout the world. The Peace Corps is one option. Again look at the following page for more options.
Finding an internship is also a good way to return overseas. The Office of Global Programs is a good place to start your search for an internship abroad. There are also several specific organizations that help students find internships abroad. One well-known organization is AIESEC.
IAESTE is another organization for students interested in internships abroad, and it is similar to AIESEC. IAESTE, however, is primarily for students in technical fields such as science and engineering.
There are hundreds of other agencies that coordinate international internship programs. If the Office of Global Programs, AIESEC, or IAESTE do not have something that interests you, then you should check out Intern Abroad.


text:
NEWS16 March 2012
NEWS16 March 2012
CHINA— Nielsen has launched its NeuroFocus subsidiary in China where it will carry out neurological testing for consumer research.
The firm, which Nielsen acquired fully last year after taking a smaller stake in 2008, is headed by A.K Pradeep (pictured) and has NeuroLabs testing laboratories in the UK, US, Europe, Asia Pacific, Latin America and the Middle East.
It uses brainwave, eye-tracking and skin conductance testing to measure consumer attention, engagement and memory retention to advertising and CPG products.
Yan Xuan, Nielsen's president in Greater China, said: "With the power of science, we are hoping Nielsen NeuroFocus can help businesses better understand the consumer and provide more precision in its marketing efforts."
Top tips on managing stress when working in market research by @albert bernard @UMLondon #mrx #wellbeing… https://t.co/Nye04obEDV
Unruly takes emotion targeting tool to SE Asia advertisers https://t.co/zZ8UQDiKwh #mrx #marketresearch
Technology biggest concern for business influencers https://t.co/8iIocZiqp9 #mrx #marketresearch


text:
One Hundred Delights [1922]
The front cover has a large bowl and a smaller bowl of coconut cream date-pudding. The back cover shows three Dromedary products: Coconut, Tapioca, and Golden Dates with the company name is above the illustrations. the categories of recipes include: breads, cake, cake fillings, candy and fruit confections, cereal and breakfast dishes, coffee cake, cookies and small cakes, desserts, puddings and sauces, gems, griddle cakes, ice cream, marmalades and conserves, muffins, pies, salads, sandwiches, and waffles.
Donor: Sliker, Shirley Brocker
Printer: Stirling Press (New York, N.Y.)
Brand Name: Dromedary
Publisher: Hills Brothers Co. (New York, N.Y.)
31 p.
17.8 x 12.7 cm
Language: English
Key Terms:
Copyright: This item is in the public domain.
Citation: One Hundred Delights [1922]. The Alan and Shirley Brocker Sliker Collection, MSS 314, Special Collections, Michigan State University Libraries. Available at http://www.lib.msu.edu/exhibits/sliker/detail.jsp?id=1218


text: Alan G Isaac wrote: > On Fri, 10 Mar 2006, Robert Kern apparently wrote: > >>The keyword in the functions does not necessarily match >>with the attribute names on the objects. I don't find this >>particularly shocking. Or bad. But that's just my tastes. > >>So I'm -1 on changing numpy.random and all of scipy.stats. > > I'll make a last comment and then let this go. > The point you make above seems fine as an abstract point. > But I think in this concrete case, where *all* we are doing > is generating arrays with core attributes that are well > known, the current size keyword and lack of shape keyword > are quite "surprising" and bad for that reason. > > I.e., will the current design produce questions from and > confusions for new users? It hasn't for the several years that all of the scipy.stats distribution objects have been using this convention. -- Robert Kern robert.kern at gmail.com "I have come to believe that the whole world is an enigma, a harmless enigma that is made terrible by our own mad attempt to interpret it as though it had an underlying truth." -- Umberto Eco


text:
Wow is certainly the word to describe a new waffle and wine bar that has opened in the town.
The new cafe, aptly named WOW - Waffles Or Wine, has been trading for over a month, but relaunched this weekend with new menu items.
The new business, owned by Tristan Haynes, is located underneath Asia Lounge in the High Street and is the only place in Bedford to offer specially-made bread dough waffles, which are imported directly from Belgium.
And it is not just sticking to waffles. It is offering high quality Illy coffee for just £1.50 a cup, as well as paninis.
To celebrate its relaunch at the weekend the new business invited the Times & Citizen down to test out their waffles – and we definitely recommend giving them a try.
The waffles come in either raspberry, white chocolate or cinnamon flavour. And for added sweet heaven you can also opt for chocolate oozing out the middle - a taste sensation if we do say ourselves. And for only £2 it is a bargain.
Assistant manager Oliver Jones said: "We are trying to offer something completely different here. We have now started doing paninis using really high-end quality ingredients. In the next month or so we are also planning to get a late licence and we are hoping to be a cocktail and wine bar too."
It also hopes to serve a continental breakfast soon.


text:
The Black-Scholes Model was developed by three academics: Fischer Black, Myron Scholes and Robert Merton. It was 28-year old Black who first had the idea in 1969 and in 1973 Fischer and Scholes published the first draft of the now famous paper The Pricing of Options and Corporate Liabilities.
The concepts outlined in the paper were groundbreaking and it came as no surprise in 1997 that Merton and Scholes were awarded the Noble Prize in Economics. Fischer Black passed away in 1995, before he could share the accolade.
The Black-Scholes Model is arguably the most important and widely used concept in finance today. It has formed the basis for several subsequent option valuation models, not least the binomial model.
The Black-Scholes Model is a formula for calculating the fair value of an option contract, where an option is a derivative whose value is based on some underlying asset.
In its early form the model was put forward as a way to calculate the theoretical value of a European call option on a stock not paying discrete proportional dividends. However it has since been shown that dividends can also be incorporated into the model.
In addition to calculating the theoretical or fair value for both call and put options, the Black-Scholes model also calculates option Greeks. Option Greeks are values such as delta, gamma, theta and vega, which tell option traders how the theoretical price of the option may change given certain changes in the model inputs. Greeks are an invaluable tool in portfolio hedging.
Call Option =
Given Put Call Parity:
The price of a put option must therefore be:
Function dOne(UnderlyingPrice, ExercisePrice, Time, Interest, Volatility, Dividend)
dOne = (Log(UnderlyingPrice / ExercisePrice) + (Interest - Dividend + 0.5 * Volatility ^ 2) * Time) / (Volatility * (Sqr(Time)))
End Function
Function NdOne(UnderlyingPrice, ExercisePrice, Time, Interest, Volatility, Dividend)
NdOne = Exp(-(dOne(UnderlyingPrice, ExercisePrice, Time, Interest, Volatility, Dividend) ^ 2) / 2) / (Sqr(2 * 3.14159265358979))
End Function
Function dTwo(UnderlyingPrice, ExercisePrice, Time, Interest, Volatility, Dividend)
dTwo = dOne(UnderlyingPrice, ExercisePrice, Time, Interest, Volatility, Dividend) - Volatility * Sqr(Time)
End Function
Function NdTwo(UnderlyingPrice, ExercisePrice, Time, Interest, Volatility, Dividend)
NdTwo = Application.NormSDist(dTwo(UnderlyingPrice, ExercisePrice, Time, Interest, Volatility, Dividend))
End Function
Function CallOption(UnderlyingPrice, ExercisePrice, Time, Interest, Volatility, Dividend)
CallOption = Exp(-Dividend * Time) * UnderlyingPrice * Application.NormSDist(dOne(UnderlyingPrice, ExercisePrice, Time, Interest, Volatility, Dividend)) - ExercisePrice * Exp(-Interest * Time) * Application.NormSDist(dOne(UnderlyingPrice, ExercisePrice, Time, Interest, Volatility, Dividend) - Volatility * Sqr(Time))
End Function
Function PutOption(UnderlyingPrice, ExercisePrice, Time, Interest, Volatility, Dividend)
PutOption = ExercisePrice * Exp(-Interest * Time) * Application.NormSDist(-dTwo(UnderlyingPrice, ExercisePrice, Time, Interest, Volatility, Dividend)) - Exp(-Dividend * Time) * UnderlyingPrice * Application.NormSDist(-dOne(UnderlyingPrice, ExercisePrice, Time, Interest, Volatility, Dividend))
End Function
You can create your own functions using Visual Basic in Excel and recall those functions as formulas within your chosen workbook. If you want to see the code in action complete with Option Greeks, download my Option Trading Workbook.
The above code was taken from Simon Benninga's book Financial Modeling, 3rd Edition. I highly recommend reading this and Espen Gaarder Haug's The Complete Guide to Option Pricing Formulas. If you're short on option pricing formulas texts, these two are a must.
From the formula and code above you will notice that six inputs are required for the Black-Scholes model:
Out of these inputs, the first five are known and can be found easily. Volatility is the only input that is not known and must be estimated.
Volatility is the most important factor in pricing options. It refers to how predictable or unpredictable a stock is. The more an asset price swings around from day to day, the more volatile the asset is said to be. From a statistical point of view volatility is based on an underlying stock having a standard normal cumulative distribution.
To estimate volatility, traders either:
By using the Black-Scholes equation in reverse, traders can calculate what's known as implied volatility. That is, by entering in the market price of the option and all other known parameters, the implied volatility tells a trader what level of volatility to expect from the asset given the current share price and current option price.
The original Black-Scholes model did not take into account dividends. Since most companies do pay discrete dividends to shareholders this exclusion is unhelpful. Dividends can be easily incorporated into the existing Black-Scholes model by adjusting the underlying price input. You can do this in two ways:
You will notice that my method of accounting for dividends uses the latter method.
A European option means the option cannot be exercised before the expiration date of the option contract. American style options allow for the option to be exercised at any time before the expiration date. This flexibility makes American options more valuable as they allow traders to exercise a call option on a stock in order to be eligible for a dividend payment. American options are generally priced using another pricing model called the Binomial Option Model.
The Black-Scholes model assumes there is no directional bias present in the price of the security and that any information available to the market is already priced into the security.
Friction refers to the presence of transaction costs such as brokerage and clearing fees. The Black-Scholes model was originally developed without consideration for brokerage and other transaction costs.
The Black-Scholes model assumes that interest rates are constant and known for the duration of the options life. In reality interest rates are subject to change at anytime.
Incorporating volatility into option pricing relies on the distribution of the asset's returns. Typically, the probability of an asset being higher or lower from one day to the next is unknown and therefore has a 50/50 probability. Distributions that follow an even price path are said to be normally distributed and will have a bell-curve shape symmetrical around the current price.
It is generally accepted, however, that stocks – and many other assets in fact – have an upward drift. This is partly due to the expectation that most equities will increase in value over the long term and also because a stock price has a price floor of zero. The upward bias in the returns of asset prices results in a distribution that is lognormal. A lognormally distributed curve is non-symmetrical and has a positive skew to the upside.
The price path of a security is said to follow a geometric Brownian motion (GBM). GBMs are most commonly used in finance for modelling price series data. According to Wikipedia a geometric Brownian motion is a "continuous-time stochastic process in which the logarithm of the randomly varying quantity follows a Brownian motion". For a full explanation and examples of GBM, check out Vose Software.
SHAKEEL AHMEDJune 10th, 2017 at 11:02am
Black Scholes model/formula/equation is very complicated.Some calculator based on it is very useful.Using this calculator,I have observed something.I have taken data like this.Call option,spot price=110,strike price=100,risk free interest=10%,expiry time=30 days,implied volatility=30%,but it reduces daily @1%.All datas are imaginaries.Only theoretical datas of option premium are derived.Analysis,on 10th day,premium drops from 11.31 to 10.61=0.70,on 20th day,premium drops from 10.61 to 10.30=31,on 30th day,premium drops from 10.30 to 10.02=0.28.If option is in 10% of in-money,it is profitable from 1.31 to 0.02 anywhere.1st 10 day,volatility is good,if direction is ok,profit will be @0.10.Last 10 day,volatility is low,if direction is ok,profit will be @0.03.Result,use in-money option,trading in 1st 10 days of 30 days movement,keep direction in your favour.True direction is real winning formula,not B/S-formula,i think so.
PeterMarch 8th, 2017 at 10:59pm
Are you using the file black-scholes-excel.xls? It works fine for me...have you "enabled" the content when opening the document?
AnonymousMarch 2nd, 2017 at 7:50am
Your calculator is not calculating correctly for stocks so kindly fix it.
PeterFebruary 28th, 2016 at 6:32pm
Hi Matt,
It is not possible to value the option without knowing the value of the underlying asset. A published market share price would be considered the most accurate, however, it is not the only way to value a company.
There are other methods of valuing a company, provided you have access to the necessary information. You might want to consider evaluating the methods listed below in order to arrive at a valuation price for the company:
Stock Valuation Methods
MattFebruary 27th, 2016 at 8:51pm
Hello, I am trying to figure out what to input in the market price with an employee stock option when the strike price is $12.00, but the stock is not yet publically traded and therefore there is no stock price to input. Can the Black Scholes equation be used in this case.
I am an attorney, and the Judge (also not a financial person) has suggested looking at this method to value the option.
It is my position that the option cannot be valued at this time, or until it is actually exercised.
Any input and advise would be greatly appreciated. I can be reached at [email protected]
DennisApril 24th, 2015 at 2:30am
Hi Peter/Bruce
The reason that doesn't work for OTM/ITM options, is that by changing the Implied Vola, you effectively alter the theoretical chance the option has to get in the money...
So, for instance, by halving IV... an OTM option might already have near-zero chance to get ITM and so no value. The further OTM the option is, the sooner it will have zero value when altering IV.
For ATM call and put options, they will have no intrinsic value and their value therefore solely depends on Implied Volatility (given a certain Maturity etc).
So with ATM:
let's say IV of 24, Call value is 5, Put value is 5
IV of 12, Call value is 2.5, Put value is 2.5
IV of 0, both have zero value... (since the stock is assumed not to move and generate value for ATM options).
Cheers, Dennis
PeterJanuary 5th, 2015 at 5:13am
Hi Bruce,
No, that shouldn't be the case. I was just about to reply with that, but then checked a few scenarios using my spreadsheet to see how close it was...with the volatility at 30% an ATM option comes close to this...but OTM/ITM options are way out. Same when the vol is higher or lower than 30%. Not sure why this happens.
Did you read this somewhere or did someone else mention this to be the case?
BruceJanuary 4th, 2015 at 3:46pm
Should the option price equal the IV times the vega?
PeterMarch 4th, 2014 at 4:45am
Hi Satya,
Ah no, I only have the binomial model and the BS. If you find some good examples of the others please let me know so I can put them here too!
SatyaMarch 4th, 2014 at 3:15am
Do you have models for the BS model only or you have them for other models like the Heston-Nandi or the Hull-White Models? If you do, could you share them? i need them for a my project.
PeterApril 26th, 2012 at 5:46pm
Ah ok, no worries, glad it worked out.
Mario MarinatoApril 26th, 2012 at 7:05am
Hi, Peter. When I entered the various possible values they all gave me the same fair price.
Asking for help on another site*, I got a hint that led me to the discovery of my mistake: my B&S formula was rounding the fair prices below 0.01 to 0.01.
Thus, with out-of-the-money options, their fair prizes where always below 0.01 given a wide range of volatilities, and my formula was returning 0.01 to all of them.
I changed the formula and everything came into place.
Thanks for your attention.
Best regards from Brazil.
* Precision & Implied Volatility
PeterApril 25th, 2012 at 10:29pm
Hi Mario,
Sounds like you're not allowing enough time to get to the right implied volatility.
What happens when you re-enter those other volatility values back into B&S...you will get a different theoretical price, right?
Mario MarinatoApril 24th, 2012 at 9:37am
I'm developing a software to calculate the implied volatility of an option using the Black & Scholes formula and a trial-and-error method. The implied volatility values I get are correct, but I noticed that they are not the only possible ones.
For example, with a given set of parameters, my trial-and-errors lead me to an implied volatility of 43,21%, which, when used on B&S formula, outputs the price I started with. Great!
But I realized this 43,21% value is just a fraction of a much wider range of possible values (let's say, 32,19% - 54,32%).
Which value should I, then, pick as the 'best' one to show to my user?
Best regards,
PeterDecember 18th, 2011 at 3:56pm
Hi Utpaal, yes, you can use whatever price you like to calculate the implied volatility - just enter the closing prices in the "market price" field.
PeterDecember 18th, 2011 at 3:53pm
Hi JK, you can find spreadsheets for pricing American options on the binomial model page.
UtpaalDecember 17th, 2011 at 11:55pm
Thanks Peter for the excel file. Is it possible to have the implied volatility calculated based on the closing option price. I currently type the implied volatility which is not accurate. I do get accurate option closing price. Hope you can help. Thanks.
jkDecember 16th, 2011 at 7:57pm
still working on spreadsheet to price American option trading?
PeterDecember 10th, 2011 at 5:03am
You mean the multiplier? This doesn't effect the theoretical price at all - it just changes the hedge ratio, which in this case you would just multiply by 10.
MIKEDecember 9th, 2011 at 2:52pm
What happens to this formula if it takes 10 warrants to get 1 common share?
PeterNovember 2nd, 2011 at 5:05pm
Hi Marez, are you pricing a stock option or an employee stock option? Can you give me more details please? I'm not sure exactly what long term incentive payments mean in this case. How much are the payments etc?
marezNovember 1st, 2011 at 10:43pm
Am a nuffy with this,
Used the model and have the following:
Underlying Price 1.09
Exercise Price 0.85
Today's Date 2/11/2011
Expiry Date 30/07/2013
Historical Volatility 76.79%
Risk Free Rate 4.00%
Dividened Yield 1.80%
DTE (Years) 1.74
d1 0.7900
Nd1 0.2920
d2 -0.2237
Nd2 0.4115
Call Option 0.5032
Put Option 0.2397
What does this mean on say $1m of Long Term Incentive Payments?
0ptionAddictJuly 23rd, 2011 at 11:34pm
On my iPad I simply installed office with Microsoft excel. Available on the app store.
PeterJuly 12th, 2011 at 11:48pm
Hi Paul, yes, seems that you will have to calculate Black Scholes from scratch using Apple Numbers. I've never used it before - is it a scripting language? Can you use my spreadsheet on Excel running on the iPad?
Paul SJuly 12th, 2011 at 3:57pm
It appears that no function exists for these calculations in Apple's Numbers program. And I just don't know how to 'reverse' the B-S formula to output Implied Volatility.
I'd like to make this work in Numbers, as Excel doesn't exist on iPad and I'd like to be able to make these calculations in Numbers on that 'computer.'
The formula that doesn't work in Numbers is:
B81=sum of quarterly dividends
B5=risk-free rate
B6=annualized dividend
B7=stock price
B12=call strike price
B13=call premium
B16=days to expiration
If I knew what variables to multiply, divide and add or substract to what other variables, I feel sure this would work.
For Puts the formula is:
B7=risk-free rate
B8=annualized dividend
B9=stock price
B14=strike price
B15=put premium
B18=days to expiration
If this is too much to ask, I certainly understand.
PeterJuly 11th, 2011 at 7:17pm
Hi Paul, there's no official formula for implied volatility as it's just a matter of looping through the Black Scholes Model to solve for volatility. However, if you want to see the method I have used you can check out the VBA code provided in my option trading workbook.
Paul SJuly 11th, 2011 at 10:40am
Understanding that entering the current price of an option along with all other inputs would give us Implied Volatility, but not being a math whiz, what is the construction of the formula for Implied Volatility?
PeterMarch 23rd, 2011 at 7:56pm
Mmm...let me go back to my books and see what I can discover.
Bob DolanMarch 23rd, 2011 at 6:39pm
Peter wrote:
"Do you know if there is an available option model for a binary distribution...?"
Actually, the binary distribution is fully described in this web site.
The example given was a stock that had a 0.5 probability of 95 and at 0.5 probability of 105.
But your mileage may differ for a specific security.
The real question is:
How do you establish the binary points and probabilities thereof for any given security?
The answer is research.
How you link 'research' to an Excel model is an open question.
I mean, that's the fun of it.
Bob DolanMarch 23rd, 2011 at 5:59pm
Peter wrote:
"Do you know if there is an available option model for a binary distribution you mentioned?"
Well, shucks, if that option model exists, it certainly isn't easily available through a Google search.
I figure that I/we have to write it.
Hey: 'Once more into the fray'.
Wanna help?
PeterMarch 23rd, 2011 at 5:01pm
Thanks for the great comments Bob!
Your approach to finding IV by reversing Black and Scholes sounds almost the same as what I used in my B&S Spreadsheet;
High = 5
Low = 0
Do While (High - Low) > 0.0001
If CallOption(UnderlyingPrice, ExercisePrice, Time, Interest, (High + Low) / 2, Dividend) > Target Then
High = (High + Low) / 2
Else: Low = (High + Low) / 2
End If
ImpliedCallVolatility = (High + Low) / 2
Do you know if there is an available option model for a binary distribution you mentioned? Perhaps I could make a spreadsheet our of it for the site?
Bob DolanMarch 23rd, 2011 at 3:46pm
JL wrote:
"Stock prices rarely follow theoretical models however, so I suppose that is why the authors did not attempt to include any projections."
Well, sure. But also, the authors believed the 'random walk' model of stock pricing. Their skepticism of anyone's ability to forecast prices made it easy for them to embrace a model with no 'oooch' factors.
In 'The Big Short' Michael Lewis describes an analyst who adheres to 'event driven' investing. The concept is simple:
* Black-Scholes assumes a log-normal distribution of stock prices over time.
* But, sometimes, prices are determined by discrete events [law-suits, regulatory approval, patent approvals, oil discoveries]. In these cases, a binary or bipolar distribution of future stock prices is a better model.
* When future stock prices are better represented by a binary distribution, there may be probability arbitrage to be had if an option is priced assuming a long-normal distribution.
* The longer the time frame, the more likely that GBM progressions do not apply. SOMETHING will happen. If the possibility of that something can be foreseen, probability arbitrage is possible.
So, how do you quantify that?
And here I am on your web site.
Bob DolanMarch 23rd, 2011 at 3:23pm
Back to the "reversed" Black-Scholes algorithm [and sorry to find your site a year late] ...
Manually, I use a binary search to get an approximation of the IV needed to produce a given option price. It's actually a two-step process:
Step One: Guess at the IV [say, 30] and adjust the guess until you have the IV bracketed.
Step Two: Iterate a binary search -- each time making the 'guess' half-way between the brackets.
Even doing this manually, I can come up with a close approximation in a reasonable time. Iterating the search in Excel, and comparing the result to some level of 'tolerance', would seem to be a fairly easy work-around.
From a UI standpoint, I think I would specify the 'tolerance' in significant digits [e.g., 0.1, 0.01, or 0.001].
In any event, this would seem to lend itself to some sort of VBA macro.
PeterFebruary 8th, 2011 at 4:25pm
Hi JL,
Black Scholes doesn't attempt to directionally forecast the stocks price, but it does attempt to forecast the stocks price path with the volatility input.
Also, dividends are indeed incorporated into the Black and Scholes model and form part of the Theoretical Forward price. The reason that call option prices don't decrease with a change in interest rates is because the increase in the Theoretical Forward due to the stock's cost of carry (Stock Price x (1 + Interest Rate)) will always be greater than the present value of future dividends.
JLFebruary 8th, 2011 at 9:06am
Thank you for the fast response. Your work has been very helpful in trying to understand option pricing. If I understand your explination correctly, a call option increases in price because the assumed current price of the stock will remain the same and the "Theoretical Forward Price" increases therby increasing the value of the call option. I suppose my main issue is with the Black-Scholes model itself because it makes no attempt to forecast a stocks price, which theoretically should be the present value of all the future dividends. So if interest rates are rising, the prices of stocks should be declining due to the higher discount rate used in the present value calculation, and therby decreasing the current value of the call options sold on those stocks. Stock prices rarely follow theoreticall models however, so I suppose that is why the authors did not attempt to include any projections.
PeterFebruary 7th, 2011 at 6:16pm
Hi JL,
The risk free rate is a measure of the value of money i.e. what your return would be if, other than buying the stock, you were to invest in this risk free rate. Therefore the Black Scholes Model first calculates what the Theoretical Forward price would be at the expiration date. The Theoretical Forward price shows at what price the stock must be trading at by the expiration date to prove a more worthy investment than investing in the risk free rate of return.
As the Theoretical Forward price increase with interest (risk free) rates the value of call options increases and the value of put options decreases.
JLFebruary 7th, 2011 at 4:53pm
Keeping all other variables constant, if I increase the Risk Free Rate the value of the Call option increases. This is counter to what should happen, logically if I can earn a better return in a safer investment then the price of a higher risk investment should be lower.
PeterJanuary 23rd, 2011 at 8:01pm
That's right, they're not the same, so it's up to you what method you use.
BSJhalaJanuary 21st, 2011 at 9:30am
Hi peter,
But 4/260 and 7/365 are not same.than the results will vary for the two isn't it.
pls suggest me what will show better result.
PeterJanuary 20th, 2011 at 4:18pm
Hi BSJhala, if you want to use trading days then you can no longer reference a 365 day year; you would need to make your interval 4 / 260. Also, in the actual VBA code for Black and Scholes you would need to change the other references to a 365 day year.
ATM/OTM options will have lower market prices than the ITM options hence the price changes as a result of the delta may actually mean a larger "percentage" change in their value. For example, say ITM option has a price of 10 with a delta of 1, while an OTM option has a price of 1 with a delta of 0.25. If the market moves up 1 point, the ITM option will gain only 10% while the OTM option gains 25%. Is this what you are referring to?
The Risk Free Interest rate refers to the "cost of your money" - i.e. what rate do you need to borrow money to invest? Usually, traders just enter the current bank cash rate.
Let me know if anything is unclear.
BSJhalaJanuary 20th, 2011 at 9:06am
Dear peter,
I am not clear on your comment on time diff to be used.
Clarify If black scholes model is used and let today date is 20/jan/2011 and date of expiry is 27/jan/2011:
If normal calculation is done time should be 6/365, but trading days are 4 only than it should be 4/365 what should be used.
Also pls tell what should be risk free interest rate .
One more thing pls tell when market is running ,the option value changes frequently that time the variables that is varying should be stock price .
But why the ATM call premium is increasing than the ITM call premium where delta value is close to 1.
What is causing the ATM/OTM calls to changing more than ITM call.
Correct me if I am wrong anywhere
PeterJanuary 19th, 2011 at 4:44pm
If it is the standard Black and Scholes Model then you would use calendar days as the formula will use 365 in the calculations. You can, however, modify the formula yourself and use your own trading day calendar of days.
The likely reason for the difference between your calculated prices and the actual prices is the volatility input that you use. If your volatility input into the model is based on historical prices and you notice that the actual option prices are higher than your calculated prices then this tells you that the market "implied" volatility is higher than the historical; i.e. that the professionals expect volatility to be at higher than historical levels. But, it could also mean that your other parameter inputs are not correct, such as Interest Rates, Dividends etc.
Your best bet at deriving the prices more closely, assuming all the other inputs are correct, is to change the volatility input.
BSJhalaJanuary 19th, 2011 at 11:05am
What should be the time(in years).
Should it be simply the date difference between today date and expiration date. Or it should be the trading days difference between today and expiration date.
Why actual prices are different from calculated prices.
How can we derive the prices closely .
PeterDecember 5th, 2010 at 5:03pm
Thanks for the feedback Tony!
For the expiration...if you want the Friday to be counted in the valuation of the option then you need to enter the Saturday as the expiration date when using Excel. This is because if you enter Friday's date and then this date is subtracted from today's date the last day is not included in the time calculation.
i.e. 27th - 26th = 1 day. Although in trading terms there are actually two days of trading left.
Know what I mean?
TonyDecember 4th, 2010 at 11:19am
I've working with both your historical volatility and Black Scholes sheets. Thank you for these tools. They are well written, very fast and I sincerely appreciate your level of technical detail.
1. What date should be used for option expiration?
The Friday date or the Saturday date? For example expiration dates are currently 12/17/2010 for Friday and saturday when all is settled is 12/18/2010.
PeterOctober 13th, 2010 at 12:44am
Yes, you just set the Dividend Yield to the same value as the Interest Rate. This will make the forward price used for the calculation the same as the base price but still use the Interest Rate to discount the premium.
PaulOctober 12th, 2010 at 8:05pm
Does this spreadsheet correctly price options on european futures?
PeterSeptember 30th, 2010 at 11:08pm
Not yet - but working on it...
GricSeptember 30th, 2010 at 9:33pm
Do you have the "Binomial Option Model" for American Style Options somewhere?
PeterApril 8th, 2009 at 7:05am
Hi Helen,
You can see my code in the spreadsheet:
I've not seen a "reversed" Black-Scholes formula yet. If you find one...please let me know and I'll add it to the pricing spreadsheet.
HelenApril 7th, 2009 at 2:53pm
What will be the best way to calculate the implied volatility on options. Doing the backward of the Black-scholes model?
AdminMarch 22nd, 2009 at 6:36am
For American style options you would use the Binomial option pricing model. My spreadsheet currently doesn't price American options...only European options. I plan to add a Binomial model soon.
JTMarch 18th, 2009 at 8:08am
One more question. From reading your site, which is fantastic by the way, it seems that this "pricing" strategy is mainly used for Euro style options. What source of pricing model would you use for American style options?
AdminMarch 18th, 2009 at 4:43am
Hi JT,
Yes, "theoretically" it would be a good price to buy.
JTMarch 17th, 2009 at 12:53pm
Stupid question. Is the theoretical price that is calculated using this method, the "max" price you should purchase this option at? Say the option price was 1.30 for a call with a strike of 2.50 and the theoretical price is 1.80. Would that make it a "good" buy?
AdminFebruary 1st, 2009 at 3:45am
Hi Hadi,
Yep, I agree. I've corrected the paragraph as noted.
Hadi AKJanuary 31st, 2009 at 12:53am
" The volatility of an option really determines how likely that contract will be in, at or out-of-the-money by the expiration date. "
4th Paragraph above the Google Ads, last line.
The volatility referred by those academics was the volatility of the underlying stock not the volatility of the option itself,
The price of an option is derived fully from the underlying stock and its provisions ( Strike Price , Maturity , Underlying Price, Int Rate and Volatility OF THE UNDERLYING STOCK )
Nice Webpage i use it frequently,


text:
Roadworks to close street access to part of the village this weekend
Publish Date: 18/07/2012
From the 23rd to 27th of July, Sackville Street in the village will be a no-through route.
As Manchester City Council prepare to have regular street closures over weekends for the safety of the users of Canal Street at this particularly busy point, Sackville Street from Brazil Street to Canal Street will be closed to facilitate the completion of the automatic bollards installation.
This closure effectively means there is no through route for vehicles wishing access to the centre of Manchester from the Mancunian Way. Traffic is to be expected on the diversion route so please plan ahead.


text:
1. Hayden Panettiere
Less (clothing) is more. "There are parts of my body that I don't mind and parts that I can't stand," the actress admits. How she gets around it: bathing suits ("There's nothing constricting the bad areas") and "long, flowy summer dresses. You never feel fat."
2. Is a tomboy. "I've always played a lot of sports—volleyball, softball, baseball. I was a gymnast for nine years."
3. Walks with her dogs. When she's not working, Panettiere takes daily strolls with her pets up the hill near her West Hollywood condo.
4. Jennifer Aniston
Is consistent. While filming Marley & Me in Miami, the actress has been working out for an hour a day on the hotel's elliptical machine.
5. Makes workouts fun. Aniston does her cardio to her iPod.
6. Watches the cocktails. She's fond of red wine and lychee martinis— but usually sticks to just one.
7. Eats fish. In Miami, a typical meal for Aniston has been three rolls of sushi or a fish entrée at Michael's Genuine.
8. Hugh Jackman
His workouts consist of "interval strength training"—doing, say, a squat and a shoulder press at the same time.
"I definitely love to stay active. If it gets me outside and gets me moving, then I love doing it."
10. Rihanna
"I go through a phase where I just eat whatever. Then when I'm finally fed up, I stop and I'm back on my regimen. And it keeps going like that."
11. "I do the elliptical for 30-40 minutes. I speed it up in between, then I come down, then I come up some more."
12. "I hate vegetables but vegetables help. Carbs are my biggest enemy."
13. "If I know I'm going on vacation, I'll do Pilates for two weeks straight."
14. Flaunts her assets. Her favorite body part? "My butt. It makes my clothes look good. It's not a dress—it's a dress! My butt perks up everything."
Yes, these stars say: You can eat pizza and skip the gym.
15. Anne Hathaway
"When I'm working, I'm incredibly disciplined, because when you're portraying someone else, your body isn't your own. But when I'm not working, I think less about what I eat. For example, last night I had a club sandwich and two nights ago I had pizza. You've got to live!"
16. "I normally eat everything under the sun. But once a year for a month, I eat fruits, vegetables, nuts and lean fish, and I feel great."
17. "Just have a little bit of something that you want. Don't overdo it."
Claire Danes
18. The star's trainer Joe Dowdell says three days of cardio a week "is healthy. You shouldn't go to extremes."
19 Penélope Cruz
Doesn't obsess about working out. "She gets in, gets the work done, gets out," says her trainer Gunnar Peterson.
20. Gets plenty of sleep. "I think she gets more than eight hours a night," Peterson says. "She never comes into a workout sluggish or tired."
21. Doesn't believe in bad eating days. "If she eats fries, then she eats them and moves on to the next thing. It's not a big deal," Peterson says.
22. Keeps her body proportioned. "She has a butt—and the key for anyone with a butt is to do adequate shoulder work, to balance things out."
23. Gwyneth Paltrow
Works out six days a week, doing dance aerobics for cardio.
24. Sets goals. For the upcoming Iron Man, "she wanted a Victoria's Secret butt, like Gisele!" says her trainer Tracy Anderson.
25. Recently completed a five-day "live food" (raw and organic) fast from N.Y.C.'s Organic Avenue.
26. Katherine Heigl
Follows Harley Pasternak's 5-Factor Diet, eating five small meals a day.
27. For exercise, works out with kettle balls twice a week.
28. Beyoncé Knowles
"She loves southern cooking," says her rep, but when it's time to trim down, "she packs up on the salads, grilled fish and chicken."
29. David Beckham
"He is much more health conscious since moving to Los Angeles last year," says a family friend. "He is training twice a day now."
30. Kate Hudson
Favors salads for dinner and yogurt with honey for breakfast.
"Break a sweat every day. I don't feel like I've woken up if I don't break a sweat first."
32. Eats every three hours.
33. Has a cheat day once a week. "I eat a steady flow of tacos, ice cream and cookies."
34. Curbs cravings with peanut butter. "It has some fat, and it's tasty."
35."I like to keep my muscles guessing. I like to run, bike, dance when I can. A little yoga. And I swim when it's nice out."
36 Mariah Carey
Water aerobics "is actually three times more effective" than other workouts, she has said.
37. "I have my trainer move in with me—so I can't sneak food!" she says.
38. Sticks to what she has called a "bleak" diet of lots of soup and fish.
39. America Ferrera
Restricts pasta to lunchtime, says her nutritionist Philip Goglia.
40. Doesn't have any starches (like potatoes or bread) at dinner.
41. Has a mid-morning snack (usually fruit) to keep up her energy.
Picks fitness classes over "boring" cardio machines.
43. Doesn't mix meats and starches because "it's too hard for the body to digest."
44. Fills up every a.m. with a glass of juice made from romaine lettuce.
45. Eats 70% dark chocolate only.
46. "Have a colorful plate. I make a spinach salad with things like blueberries, apples and carrots."
47. "As I've gotten older, I definitely have to watch more of what I'm eating and work out a bit more, run a bit faster."
Cameron Diaz
48. "To get great legs, you have to do lunges, squats and steps," says trainer Teddy Bass, who does all that with Diaz.
49. "I eat a lot of green and raw vegetables, and I juice a lot. And I do the trampoline with my kids!"
50. "I'm into horse show jumping. It's an awesome butt, thighs, inner legs workout. You can't walk for days if you haven't ridden in a while!"
51. "Chocolate is not cheating! After a salty meal, you need a little bit of sweet. This is living, not cheating."
52. "When I'm in focus mode, I do training six times a week. Carbs only in the morning. And I try not to eat at least two hours before bed."
53. "You have to find a workout you love. I hate the gym, but I just took up pilates and it has changed my life."
54. "Running is the only thing that gets me out of my head. It's meditative and it makes you pretty in shape."
55. "Having a child means having lots of sweets in the house. I try to keep that stuff in the cupboard and out of sight."
56. "Every couple of months I check myself in the mirror. If I go, 'Your jeans look a little tight,' it's time to cut out the nachos."
57. "I don't diet. There's going to be barbecue and macaroni and cheese—but I'll have broccoli and salad the next day."
58. "I love restaurant pasta—the sauces. So now I ask for the sauce to take home and put it on whole wheat or rice pasta."
59. "I can't do diets. I find when I'm on them, I immediately feel like breaking them and eating a lot."
Mandy Moore
60. "On occasion a bowl of Life cereal for dinner is the greatest thing. And I'm obsessed with Pink Lady apples."
61. "I go with my trainer on a 35- to 40-minute walk. I'm speaking out for all those people who hate to run. I hate it too!"
Kate Beckinsale
62. "Sleep is like the holy grail. My trainer says if you're tired, your workout will suffer. Sleep is the magic stuff."
63. "I can do a good workout in less than an hour: 30 minutes on the treadmill, 10 minutes on the bike, then 10 minutes of crunches."
64. "I've been really into boxing. You don't remember how hard jumping rope is! It really works my arms and I like the aggression of it."
65. "I don't feel guilty. I love hot dogs, which are so unhealthy; but I have them on occasion so I don't feel deprived."
66. "I don't cut anything out. If I want potato chips, I have three or four. After that, the craving is pretty much gone."
67. "If there's a dessert table and I like it all, I take a little piece of everything, take a bite and throw the rest away."
68. "I just became a vegetarian [recently] and I've gotten a lot thinner. And if I take out the wine, I tend to slim down quickly."
69. "I drink a lot of water. I love the little Crystal Light packets that make you feel like you're drinking more water."
70. "I hate that feeling of being so full that you feel like you're gonna burst, so I try not to do that."
71. "I like my shape, but to get rid of cellulite I focus on toning, doing martial arts on a treadmill. And Spanx are my best friend!"
72. "I do Fresh Dining, which is delivered to your home. And the DVD P90X—it's a 90-day program that transforms you."
73. "I work my butt off. Really. I run at least 45 minutes every day. And then three days a week I do weights."
74. "The quickest calories that add up are the cocktail calories. Might as well have a cheeseburger if you have a great margarita!"
75. "To help my muscles rebuild after I work out, I have a small serving of cottage cheese."
76 Kate Walsh
Rotates Pilates with weights and circuit training.
77. "I avoid sugar, serious sugar, because you go up then come down and crash."
78. Practices portion control so she doesn't have to be "terrified of carbs. I want to be able to have a glass of wine."
79 Fergie
Has meals delivered from Diet Designs.
80. "I do organic vinegar shots. Two tablespoons after lunch and dinner. It helps take toxins out of your body."
81. Makes "fattening food low-fat," like lasagna with turkey meat and cottage cheese.
82. Jessica Biel
"She's game for anything, like 10 reps of standing on one foot doing a single leg squat," says trainer Valerie Waters.
83. When not with her trainer, does yoga and running on her own.
"I'm not a morning person, but I get up and knock out exercise, because if I don't, in the afternoon I'll be tired and there's tons going on."
85. When it comes to alcohol, "once I get my buzz, I shut it off. Two drinks is my limit."
86. Blige's trainer Gregg Miele (left) reinforces this mantra: What you eat in private shows in public.
87. Vanessa Williams
"I drink a beet-carrot juice in the morning or an apple-strawberry-pear juice."
88. "On vacation I enjoy the desserts—and work extra hard when I come home."
89. Ashton Kutcher
When it comes to feeling sexy, Demi's husband once told PEOPLE that he relies on "quiet confidence."
90. Catherine Zeta-Jones
"I do a lot of swimming because I live in Bermuda, both in the ocean and in the pool. I've got to drag myself to the gym, but when I finish it, I enjoy it."
91. Her most common meal? Lightly grilled chicken with a little oil and lemon and a feta cheese salad.
92. Cuts down on bread when she needs to slim down.
93. Ryan Phillippe
Goes for daily runs at the UCLA tracks.
94. Sticks to an all-protein diet, ordering steaks from L.A.'s Dan Tana's weekly.
Ali Larter
95. "Just put your shoulders back and smile."
96. "Don't wear white, wear black. Very. Fitted. Black!"
97. "You know what's totally amazing? Spanx!"
98. "Black, high-waisted, really tight skirts. That's it!"
Carmen Electra
99. "If you wear a dress with a belt placed high, you accentuate your waist."
100. "I love baby-doll dresses, so people look at my legs—not my stomach!"


text:
Payday Loan Collection Agency - What is It?
Our Easy Requirements:
Active checking account.
At least 18 years of age.
Employed for at least one month.
US Citizen or permanent resident.
No more than two outstanding loans
current with any other companies.
A payday loan collection agency is one that is hired to get payment on payday loans that have gone into default. The payday loan company hires them to track down debtors who have not repaid their loans, and the collection agency keeps a portion of any money recovered.
Many people get themselves into trouble with payday loans. They mistakenly believe that they will be able to get caught back up with their next paycheck. Unfortunately, they may actually end up falling farther behind. In some cases, this has created a cycle of borrowing more and more payday loans rather than paying them off. The government has actually had to step in to monitor payday loan companies to keep them from enabling this type of behavior.
Once someone has gotten himself into this type of situation, he is liable to have to deal with a payday loan collection agency. Either the collection agency is hired by the payday loan company, as described above, or it may even be owned by the payday loan company. No matter what approach is taken, the goal of the payday loan collection agency is simply to
get the debtor to repay the loan.
In the past, it was far too common for collection agencies to harass debtors. They would bully people over the phone and make unfounded threats of what would happen if the money was not repaid immediately. Again, the government has stepped in to prevent this type of behavior from collection agencies, not just those in the payday loan industry.
If someone feels they are being harassed by a payday loan collection agency, they have some alternatives. For example, it is possible to get them to stop calling by sending them a "desist notice" that requires them to cease making phone calls to you. This is just one example of how the debtor has rights protecting him from being unreasonably harassed by collectors. Different states have their own laws and regulations, so it is worthwhile to look into them to learn what rights consumers have in these situations.
Obviously, the best way to avoid the payday loan collection agency is to be financially responsible. If a person needs to take out multiple payday loans, then there is a problem, and taking out more loans will most definitely not solve it. The occasional loan may be helpful in emergency cases, but once the loans become frequent or there is a payday loan collection agency involved, it has elevated beyond a simple case of being short on cash.Source: instantloan.net
Category: Payday loans
Similar articles:
Six federal agencies are investigating online payday lenders
In Haiti, Support Local Communities, Not Microcredit Agencies


text:
Daily Terrible Joke (Day 1997)
John Gormley
Why are there TV adverts for toilet roll?
Who's not buying it?
different toilet paper offer different things. but yeah customers will have a brand which they support throughout their lives.
What is this?You are reading an article written by a citizen of eRepublik, an immersive multiplayer strategy game based on real life countries. Create your own character and help your country achieve its glory while establishing yourself as a war hero, renowned publisher or finance guru.


text:
|Corporate Results
|Corporate Results
-Proposes 340k in year 2008
Peter OBIORA
Proshare NI
March 03, 2009 at 20:00 GMT
Brewing Giants, Nigerian Breweries Plc (NB Plc) has increased its dividend payout to investors in year 2008 by 36 percent (36%). This was contained in the company's result released on the Floor of the Nigerian Stock Exchange (NSE) in
NB Plc increased the dividend payout from 250 Kobo paid in year 2007 Financial Year End (FYE) to 340 Kobo at its financial year ended December 31 2008.
From the result, the Board of Directors (BOD) of company has proposed the payment of 340 Kobo dividend per share to its investors for the 2008 FYE.
The cumulative dividend paid in year 2007 FYE was N18.906 billion compared to N25.7 billion in year 2008 FYE representing the 36% increase in the review period.
NB Plc affirmed that the dividend, which is subject to deduction of withholding tax, if approved at the companies forthcoming Annual General Meeting (AGM), would be paid on May 21 2009 to all shareholders registered in the books of the company at the close of business on March 27 2009.
In the same vein, Turnover of the company increased from N111.7 billion in year 2007 to N145.5 billion in year 2008 showing an increase of 30.25 percent (30.25%) in the review period.
Profit before Tax (PBT) also grew from N27.9 billion in year 2007 to N37.5 billion in year 2008, representing a growth of 35 percent (35%).
While Profit after Tax (PAT) rose for N18.943 billion in year 2007 to N25.7 billion in year 2008, indicating a rise of 36 percent in the review period.


text:
NFL seasons can change on a dime. The Baltimore Ravens had lost three games in a row and fired their offensive coordinator, and their vaunted defense for once looked vulnerable. What was once a 9-2 team was suddenly stuck at 9-5 with a desperate New York Giants team, the defending Super Bowl champion, visiting M&T Bank Stadium on Sunday.
So of course the Ravens figured things out on the fly with a dominating 33-14 victory over New York that secured the AFC North title and at least the No. 4 seed in the postseason. A win next week and a New England loss to Miami -- unlikely, to be sure -- even would lift Baltimore to the No. 3 seed. Either way, it will be hosting a playoff game and hopes to have star linebacker Ray Lewis back from a triceps injury.
The difference? It had to be quarterback Joe Flacco, whose confidence appeared in tatters after losses to Pittsburgh, Washington and Denver. But he made one strong throw after another Sunday, including a gorgeous 43-yarder to wide receiver Torrey Smith that set up Flacco's own 1-yard touchdown plunge in the first quarter. That 26-for-35, two-touchdown performance is a huge boost with the playoffs looming in two weeks.
Meanwhile, the Ravens also rediscovered running back Ray Rice. A balanced attack has been missing too often late this season, and that ultimately may have cost former offensive coordinator Cam Cameron his job Dec. 10 following the loss to the Redskins. Rice finished with 24 carries for 107 yards Sunday -- his second-highest total of the season -- and added six receptions for 51 yards and a touchdown.
- Brian McNally


text: Hello, So far as I can tell Numeric.dot(), which uses innerproduct() from multiarraymodule.c doesn't call the BLAS, even if Numeric was compiled against native BLAS. This means (at least on my machine) that X = ones((150, 16384), 'd') C = dot(X, tranpose(X)) is about 15 times as slow as the comparable operations in Matlab (v6), which does, I think, use the native BLAS. I guess that multiarray.c is not particularly optimised to use the BLAS because of the difficulties of coping with all sorts of types (float32, int64 etc), and with non-contiguous arrays. The innerproduct is so basic to most of the work I use Numeric for that a speed up here would make a big difference. I'm thinking of patching multiarray.c to use the BLAS when it can, but before I start are there good reasons for doing something different? Any advice gratefully received! Cheers, Richard. -- Department of Computer Science, Exeter University Voice: +44 1392 264065 R.M.Everson at exeter.ac.uk Secretary: +44 1392 264061 http://www.dcs.ex.ac.uk/people/reverson Fax: +44 1392 264067