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FED,Tapering & Your Portfolio - An Overview 8 comments
In the upcoming days & weeks we will be inundated with news regarding the Fed and the possibility that they will initiate "tapering" of their current bond buying program.
I'll get right to the point. There are always numerous risks threats & concerns regarding corporate profitability and stock prices, but the start of a long process of Fed "tapering" is not one of them.
At the moment, it means getting some perspective on interest rates and the Fed. At some point, high interest rates might be a negative for stocks -- but not yet. However, we have to be mindful of the associated knee jerk reaction from panicked investors that will probably ensue.
All of the QE critics have trumpeted an argument that clearly cannot be defended. Interest rates have RISEN during QE. It's clearly plain to see that it's NOT "all about the Fed".
The Fed does not control rates at the long end of the market. Sure they are a huge player here, but it's less than 1% of the market. There are numerous other forces at work in this equation. All of these are summarily dismissed time & time again as the critics have become 'Fed Obsessed"
I always try to form opinion as it relates to the 'source". It is important for all investors to keep in mind as they form their own opinions on the markets.
Those who have been continually wrong about the economy, the market, and the fundamentals, attribute everything to the Fed. They do this because the slogans are easy and they sound, oh so persuasive to everyone. However ,there is little or no analytical content, no supporting data. As I have stated in many comments here on SA they use the Fed as a cover up and blame Bernanke for their own mistakes.
Here are just a few examples of the errors & false claims from these so called pundits who have gotten the story wrong. Remember when higher oil prices, corn prices, and gold prices were all supposed to be a function of the Fed? What happened to those claims? Seen Gold lately?, it's down 20% this year !
What about the idea that the Fed was debasing the currency? Look at the chart of the dollar lately ?
Runaway inflation? Another incorrect assumption , Now they cite the government conspiracies in CPI calculations to support their case.
I do know one thing, if I am seeking advice about the Fed and investment related results, why would I look to those who have been wrong for many years? Answer : I don't !, and recommend -- neither should you.
As interest rates move slowly higher, the economy has become stronger. Bears choose to howl that there is no improvement, this in the face of obvious facts that clearly shows otherwise. It has improved since the financial crisis moments and that is all the market is concentrating on. Markets don't trade on absolutes they trade on "change". They have clearly signaled that with this latest bull rally in equities. Something the bears have totally ignored and therefore have missed this latest upswing.
The present low interest rate environment we are in has created an exaggerated risk premium for stocks and an artificially depressed P/E multiple. Now, if the economy had any respect, the multiple might be 20 on forward earnings which is not uncommon at all. Many are of the opinion that a 20 multiple would still be a big discount to a 4% 10-year treasury note. Fear & uncertainty is still pervasive. Just look at how many loathe this market. So the current disrespect for the economic conditions is somewhat understandable.
As rate normalization starts to take place it will be good news for corporate profits - especially for those in the following sectors, cyclicals, financials, technology, and consumer discretionary.
As the investment world returns to a more normal state, we can expect to see the following:
A return to trend GDP - 3%+ or even better. A stronger employment picture and of course higher interest rates perhaps a 4% 10 year.
This will spur stronger total profits and revenues, & all are intertwined to reduced budget deficits, especially as a percentage of GDP.
Along with that I envision higher market multiples - because of the relationship between stock multiples and bond rates.
All of these conditions will come under scrutiny by the "bear crowd", but lets not forget they have had it wrong to date.. So, I'll take their argument for what its worth..
We are currently entering a tipping point phase in the markets as they adjust to the new climate.
Stock prices and interest rates are on a path that will lead us to take a winding but lucrative path. This should be your guide to choosing investments. The implication is that stocks will get higher multiples as we move forward as confidence further improves. This is not a guess or speculation, but a conclusion based upon the data presented.
If the market were to embrace this traditional relationship, the forward earnings multiple would be in the 20's. Take $115-$120 in estimated S & P '14 earnings and apply a 17 multiple .. That equates to S & P 1955 as the low end of the range. This example is used to illustrate the "potential" for much higher prices as this story plays out. How long it takes is anybody's guess, but the path of least resistance for equity prices is higher and can be much higher than they are today.
We wont get there overnight, and we have learned that nothing goes up in a straight line ! As we move along to higher stock prices we will see corrections along the way , some may be quite significant as 10-15% or more are the 'norm" These events are very difficult to predict , many just come 'out of the blue" & usually have no bearing on any fundamentals. You can go back and look at my attempt to try & predict a long awaited correction this past year. That is why timing the market is so difficult and if you have followed the advice here you have been invested in equities , harvesting profits along the way that will be put to work when the inevitable pause takes place. Trying to be "all in or all out" is to be on a road to frustration and potential failure.
As mentioned earlier , we want to concentrate on Low PE stocks in the cyclical, technology, financial and consumer discretionary sectors
Along that winding road , Bonds, and Utility stocks are just two areas that will come under severe pressure. We have already witnessed the first wave of that selling. Look at the REIT sector in the last week or so. We will see an overreaction to the downside in these sectors as the market sorts out this new scenario. Typically when the selling is overdone opportunity abounds. I will have follow up commentary on stocks that may become attractive for purchase.
Please keep in mind that we will be bombarded with "fear talk" regarding rising interest rates. The "talking heads" ,pundits will embellish headlines especially if we see a corrective phase take hold in the market. Stay focused on what really matters , corporate earnings, PE Ratios, Free cash flow metrics and the like, to avoid being swayed & whipsawed by the crowd that has gotten it "wrong".
My next commentary will cite some points on how I believe the tapering will take place and I will leave room for possible scenarios that could negatively impact my views.
Stay Tuned
Back To Fear & Greed Trader's Instablog HomePage »Instablogs are blogs which are instantly set up and networked within the Seeking Alpha community. Instablog posts are not selected, edited or screened by Seeking Alpha editors, in contrast to contributors' articles.
Comments (8)Track new comments-
An interesting and timely piece. In the past three weeks, I sold out several positions and am roughly 15% cash, which is the highest in a long time... Also have quite a few limit orders and am just waiting for some of the prices to come to my buying number.
Freestate ,
thanks for the comment , excellent move by raising cash. and if u can add a little more on rallies here you will be in good shape to put that to work later. -
CAT's problems may be related to their own internal issues.. They are feeling the pinch of mining and its related weakness. A lot of that comes from overseas.. Don't lose sight that prior to this 4 quarter slump. they posted all time record earnings for the company .. Now they are caught in a down cycle and all are comparing the record results to this slump . It is bad , but now being a bit overstated as 'terrible" news for the economy. -
A reason to avoid using one company result for how the economy is doing -- Todays Chicago PMI - highest since Marh '11
I believe anyone with a long term view will do ok, it does have a yield of 2.8% not great , but good..
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In a wild and crazy game in Chattanooga Thursday afternoon the Coffee County Lady Raiders took on Baylor school in softball.
The Lady Raiders jumped to an early 4-0 lead thanks to Bricen Hunt and Anna Spellings each hitting 2-run homers. Baylor would come back to take an 8-4 lead. Coffee County's Anna Spellings would hit her second homer of the day, a Grand Slam to tie the game at 8. Baylor took the lead back at 10-8 and the Spellings would hit her 3rd homer of the day to get the Raiders within one. After Coffee County tied the crazy game up at 10 Baylor would take an 11-10 lead into the 6th. In the 7th Coffee County's Brianna Jones hit the 5th homer of the day for Coffee County tying the game at 11. The game would move to an extra inning with Coffee County pulling out a 12-11 win.
Coffee County will play at Cookeville on Tuesday.
The Coffee County Red Raider baseball team traveled to take on Warren County in the District 6AAA In Season Tournament on Thursday being held in McMinnville. Junior pitcher Caleb Koger was strong in the complete game effort surrendering 4 hits in 6 innings, but it was not enough to get the win as Warren County won by a final of 3 to 2. Koger surrendered his 1st earned run of the season in the 5th inning to break a 2 – 2 tie. Coffee County got their 2 runs in the 3rd inning on a Jacob Prater sacrifice bunt and an RBI single from John Reese Gilmer. Gilmer finished the night with 2 singles while Tyler Cavender was 2 for 4 from the plate with 2 doubles. For their efforts, Cavender and Koger were named the Gateway Tire and Service Center Co-Players of the game.
Coffee County will be back in action at 8 PM tomorrow night taking on Cumberland County in day #2 of the District 6AAA In Season Tournament. They conclude the tournament on Saturday taking on Cookeville at 3 PM and White County at 4:30. All these games will take place at Warren County High School.
Our next broadcast of Coffee County sports will take place on Monday as the Red Raider baseball team hosts LaVergne at 6 PM. We will begin our broadcast with the pregame show beginning at 5:50 here on Thunder Radio.

subset: commoncrawl


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The insanity of the first drink
I would like to share with the group the insanity of me picking up a drink three weeks ago after 18mths of sobriety. Looking back now to the weeks before I picked up that drink, I can see the signs, I stopped praying and reading my morning meditations, I became bored with meetings, and I became too tired to go to meetings, and I thought that I was too clever to need meetings.
I remember the moment I decided to pick up the drink as if it was yesterday, I decided that I would go and get a cask of wine, hide it under my bed and just have just one drink before I went to bed each night. I didn't pick up the phone to talk to anyone; I just didn't put up any fight against having that drink. It took only around an hour and I was right back into that dark hole again, no consideration of what the consequences would be and not caring about how it would hurt my family and friends.
I drank for two days, without eating. And I remember the terrible fear that I had when I tried to start eating again. I remember the insanity of thinking I wish someone would find me, and another part of me not wanting to be found.
I am grateful that my daughter rang my sponsor; she came around and got me back into AA again.
It has been a big learning curve for me, and I am grateful to my higher power guiding me back into the fellowship.


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August 15, 2013 to October 19, 2013 – online Now that you've had a chance to read all the nominees, vote for your favorites! The ten books to receive the most votes will named the 2013 Teens' Top Ten! Voting starts August 15 and ends October 19. Organized by YALSA | Type: announcement
September 17, 2013 at 12pm to October 19, 2013 at 4pm – Smith Public Library The Smith Public Library is holding a writing contest for all teens, grades 6-12, from September 16th to the end of Teen Read Week, October 19th! Submit a short story, about 1500 words or less, that… Organized by Kelsey Sidwell | Type: contest
Join this Teen Read Week website for great resources and opportunities such as:
Started by Christine Reigh Oct 25, 2013. 0 Replies 0 Likes
Once again, our annual TRW celebration was a big hit! I presented a Cryptozoology program for our science classes, (Nessie move over...do you know what really lives in the sewer) held book talks for…Continue
Started by Delilah Brantley. Last reply by Ashly R. Roman Oct 10, 2013. 2 Replies 2 Likes
Hi guys! I've been talking with a professor at a local college who is also the facilitator of an on campus anime club. She told me that they watch streaming video from crunchyroll and other free…Continue
Started by Ruth Parrish. Last reply by Jamie M. Gregory Oct 2, 2013. 2 Replies 2 Likes
I have just started brainstorming ideas for TRW. Thanks to the many posts on various sites, I am planning a week of Blind Book "dating" (students will check out wrapped books with no titles on…Continue
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Teens in Alhambra, CA, will be…Continue
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Edible Gardening Seasonal Advice
Royal Botanic Garden Edinburgh Mon 25 — Tues 26 Aug 2014
Drop in to find out how to grow your own food and take a look around our productive garden with the Edible Gardening Project team.
Logan Botanic Garden Plant Fair
Logan Botanic Garden Sun 31 Aug 2014
Logan hosts a plant fair of Dumfries and Galloway's finest Gardens and Nurseries. This is the ideal opportunity to purchase unusual plants that are rarely available to the public. Why not make a day of it and make a combined visit to the Garden and Plant Fair!
Give Bugs a Home
Logan Botanic Garden Thurs 16 Oct 2014
Come along and join staff from Logan and the RSPB to build your very own 'Buggingham Palace'!!
Make an Autumnal Mobile
Logan Botanic Garden Thurs 23 Oct 2014
Come along and make a mobile using all manner of nature's autumnal harvest for you to hang at home or give away to your Grandma, Grandpa, Auntie or Uncle.
End of Season Shopping Event
Logan Botanic Garden Sun 26 Oct 2014
Why not pop along and get some bargins to get the Christmas shopping on the way!! Open to everyone. Full price only if going in to visit the garden.


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Tuleste Market had its roots planted in the fall of 2007 in New York City. The collection was founded and is designed by the sister act of Satu and Celeste Greenberg who were born and raised in rural Seiad Valley situated on the western coastline of Northern California. California, long-known as a mecca for vintage clothing collecting, inspired Satu and Celeste to begin shopping and observing vintage glamour at the onset of high school.
The girls scoured thrift-stores in the region for unique pieces they could modify and rework, transforming the pieces (and themselves) into a modern voice with an original sensibility. To this day all Tuleste Market product is inspired by this process. This love of vintage drove the sisters to travel around the world visiting an array of international cities known for style, culture, and a zest for life. Wherever the duo went they amassed a carefully edited wardrobe of timeless vintage pieces.
The sisters eventually settled in NYC and started working for some of the world's premiere fashion magazines, and word began to spread of their impressive vintage collection and designers, creative directors and editors began approaching them about using their archive as a source for their own design inspiration.
The designers are inspired by women of all ages and lifestyles and mostly by their love of making something old look not only new, but fresh and modern as well as accessible to all women. They look to women in films that have an intriguing, timeless quality as those from director's Michelangelo Antonioni and Jean Luc Godard; the fashions mirroring their family during their childhood from The Monterey Pop Festival; and of course, friends and the diversity of living in Manhattan and other cosmopolitan cities dotted around the world.
Tuleste Market's jewelry collections are comprised of multi-functional pieces that can be worn in a multitude of ways: necklaces can be linked together, long or doubled, and can even be worn as belts. Multiple looks can be created with a single piece of jewelry giving women the opportunity to maintain their own sense of individuality. This versatile approach to accessorizing provides a woman with value, getting multiple looks out of one piece of jewelry.
In just three years Tuleste Market has expanded from solely costume jewelry to shoes and handbags and is available in over 150 stores worldwide including Nordstrom, Intermix, Henri Bendel, shopbop.com, Amazon.com, Endless.com and Harvey Nichols Hong Kong.
Their designs have been featured in the pages of Lucky, Elle, W, WWD, Harper's Bazaar, INStyle, Cosmopolitan, Page Six Magazine, New York Times T Magazine, New York Times Style Section, Flaunt, Surface, Numéro Japan, People, US Weekly and more.
The duo received recognition from the fashion industry when they were named finalists for the 12th Annual Fashion Group International Rising Star Award in the Accessories category. Their jewelry was used in the Derek Lam Resort 2010 presentation and look book. Satu and Celeste's combined experience includes editorial stints at Elle Accessories, W magazine, and Vitals magazine; retail experience at Jeffrey New York and Giuseppe Zanotti; as well as fashion show production and casting for Derek Lam, Jason Wu, Carolina Herrera among others. Most recently Tuleste Market was signed to Creative Artist Agency's (CAA) new fashion division.
As they continue to design and build on their current accessories collections the designers envision expanding the brand to include a more comprehensive offering of accessories, mens, apparel, and home.


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Parent and Caregiver Participation
All children under 30 months attend Rhinelander classes with a parent or other caregiver. Classes where a parent or caregiver must be present include Singing Siblings, Stepping Out, Toddler Time, Music & Art and Music & Cooking. Children enrolled in Enrichment Workshops are expected to participate without a grownup in the classroom. We will work with families to ensure that the separation process is a happy and successful one.
Parents and caregivers are also invited to be involved at Rhinelander in a variety of other ways. There is an active Parent Association which organizes family friendly events, holiday drives, bake sales and supports the Center library. There is also a Center fundraiser each year.
- Who We Serve
- What We Do
- Where It Happens
- Bronx Family Center
- CAS College Prep
- Community Schools
- Drew Hamilton Learning Center
- Dunlevy Milbank Center
- East Harlem Center
- Frederick Douglass Center
- Goodhue Center
- Hope Leadership Academy
- Next Generation Center
- Philip Coltoff Center
- Rhinelander Children's Center
- Taft Day Care Center
- Wagon Road Camp
Rhinelander on Facebook
Please call the Early Childhood Program office at 212-876-0500 for more information.
Rhinelander on Facebook


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Found October 23, 2011 on
Antonio Gates,
Tarvaris Jackson,
Charlie Whitehurst,
Tim Tebow,
Julio Jones,
Sebastian Janikowski,
Carson Palmer,
Kyle Boller,
Earnest Graham,
Jahvid Best,
Maurice Morris
TEAMS: San Diego Chargers, Seattle Seahawks, Denver Broncos, Atlanta Falcons, Oakland Raiders, Tampa Bay Buccaneers, Detroit Lions, New York Jets
TEAMS: San Diego Chargers, Seattle Seahawks, Denver Broncos, Atlanta Falcons, Oakland Raiders, Tampa Bay Buccaneers, Detroit Lions, New York Jets
Around the NFL before Week Seven kicks off:
- Chargers tight end Antonio Gates is active today against the New York Jets after dealing with a foot injury that has caused him to miss three games this season. Gates should immediately go back into your lineup.
- On the quarterback front, which I touched on in Friday's column, Tarvaris Jackson is inactive for the Seahawks today, making Charlie Whitehurst the starter if you're in need of a QB.
- At wide receiver, the Broncos' Demaryius Moore is active for the first time this season. He probably won't get a ton of playing time in his first game, but with Brandon Lloyd being traded, Moore's got a chance to develop into the No. 1 receiver for QB Tim Tebow. Keep an eye on him.
- Falcons rookie WR Julio Jones is out today, so make sure he's out of your lineup.
- Kicker Sebastian Janikowski, a fantasy star because of his ability to drill 50-plus-yard field goals, is questionable for the Raiders today. Don't tak...
Original Story:
Sit Em, Start Em – Week Seven
Chargers' Gates returns after missing 3 games
Chargers TE Antonio Gates likely to play vs. Jets
TE Gates, C Mangold active for Chargers-Jets
Chargers' Gates to play vs. Jets for first time since Week 2
Gates, Gilchrist Practice for Chargers
Chargers TE Gates to return vs. Jets (AP)
Chargers' Gates active against Jets
Fantasy Football Week 7 Injury Updates: Reports on Peyton Hillis, Mike Wallace, Joseph Addai, Julio Jones, Antonio Gates, and more
Three Things : San Diego Chargers — Week 7
Outsider's View: San Diego Chargers Week 7
Three Things : San Diego Chargers — Week 7
Outsider's View: San Diego Chargers Week 7
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- Go-To Girl Notes
- Product Details
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Take a break from black and white with this Francesco Scognamiglio dress! Everyone will fall for the floral print at your next dinner party. Add on these Oscar de la Renta's Creeping Ivy Earrings and you'll be the picture of natural beauty.
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That you have made the Governance of India to awake about the recent exposure of black money and its deposit out side of India under the very nose of the authorities and the rampant corruption not coming under their control. Matters little if now at least some cases are now being put to scanning and into courts which may take years to be completed mean while to miss guide the nation to remain pecified and suffer as they have been doing for many decades, But this is time when your stand like un movable pillar with the public support may be able to get the wrong undone and the so self interested people considering them self as God who is always correct are shown the way out to their destiny an d save the nation as Prahlad showed and caused the death of that king who considered him self as in distructable, As well be alert lest this group like in Mahabharat epic to kill Abhimanue put a Chakra View by these fellows against the countrys wish of removing the corruption etc may not be successful this time and for this you will appreciate that the Lok Pal bill should cover under him all and leave no body in the governance, to escape and given freedom to do as now these days being done.
YogaGuru Baba Ramdev kindly be alert of the "people" like Godlike king HIRAN KASHYAP not knowing his sudden end in the near future.
By Ram Dass Saxena | Work + Money – Sat, Jun 4, 2011 6:14 AM EDTMOST POPULAR
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Bankruptcy Priority for Bank Deposits: a Contract Theoretic Explanation
Over the past decade several countries, including the US, have introduced or redesigned legislation that confers priority in bankruptcy upon all or some bank deposits. We argue that in the presence of contracting costs such rules can increase efficiency. We first show in a private information model that a borrower can reduce overall costs of finance by letting informationally heterogeneous lenders choose between junior and senior debt. In particular, we find that debt priorities reduce socially wasteful information gathering by investors. We then argue why, particularly in banking, legal standardization of debt priorities may be superior to bilateral private arrangements.Download Info
If you experience problems downloading a file, check if you have the proper application to view it first. In case of further problems read the IDEAS help page. Note that these files are not on the IDEAS site. Please be patient as the files may be large.Bibliographic Info
Paper provided by Swiss National Bank, Study Center Gerzensee in its series Working Papers with number 00.01.Length: 51 pages
Date of creation: Nov 1999
Date of revision:
Publication status: Forthcoming in Review of Financial Studies.
Handle: RePEc:szg:worpap:0001
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Postal: Studienzentrum Gerzensee, Postfach 21, 3115 Gerzensee
Phone: ++41 (0)31 780 31 31
Fax: ++41 (0)31 780 31 00
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Postal: Studienzentrum Gerzensee, Postfach 21, 3115 Gerzensee
Related research
Keywords:Other versions of this item:
- Birchler, Urs W, 2000. "Bankruptcy Priority for Bank Deposits: A Contract Theoretic Explanation," Review of Financial Studies, Society for Financial Studies, vol. 13(3), pages 813-40.
- NEP-ALL-2000-08-26 (All new papers)
- NEP-CFN-2000-08-26 (Corporate Finance)
- NEP-LAW-2000-08-26 (Law & Economics)
References listed on IDEASPlease report citation or reference errors to , or , if you are the registered author of the cited work, log in to your RePEc Author Service profile, click on "citations" and make appropriate adjustments.:
- Repullo,R. & Suarez,J., 1995.
"Monitoring,Liquidation,and Security Design,"
9520, Centro de Estudios Monetarios Y Financieros-.
- Repullo, Rafael & Suarez, Javier, 1998. "Monitoring, Liquidation, and Security Design," Review of Financial Studies, Society for Financial Studies, vol. 11(1), pages 163-87.
- Repullo, R. & Suarez, J., 1996. "Monitoring, Liquidation, and Security Design," Papers 273, Banca Italia - Servizio di Studi.
- Barclay, Michael J & Smith, Clifford W, Jr, 1995. " The Priority Structure of Corporate Liabilities," Journal of Finance, American Finance Association, vol. 50(3), pages 899-917, July.
- Hart, Oliver & Moore, John, 1995.
"Debt and Seniority: An Analysis of the Role of Hard Claims in Constraining Management,"
American Economic Review,
American Economic Association, vol. 85(3), pages 567-85, June.
- Oliver Hart & John Moore, 1995. "Debt and Seniority: An Analysis of the Role of Hard Claims in Constraining Management," NBER Working Papers 4886, National Bureau of Economic Research, Inc.
- Diamond, Douglas W., 1993. "Seniority and maturity of debt contracts," Journal of Financial Economics, Elsevier, vol. 33(3), pages 341-368, June.
- Stulz, ReneM. & Johnson, Herb, 1985. "An analysis of secured debt," Journal of Financial Economics, Elsevier, vol. 14(4), pages 501-521, December.
- Mathias Dewatripont & Jean Tirole, 1994. "The prudential regulation of banks," ULB Institutional Repository 2013/9539, ULB -- Universite Libre de Bruxelles.
- Sussman, Oren, 1999. "Economic growth with standardized contracts," European Economic Review, Elsevier, vol. 43(9), pages 1797-1818, October.
- William P. Osterberg, 1996. "The impact of depositor preference laws," Economic Review, Federal Reserve Bank of Cleveland, issue Q III, pages 2-11.
- Arthur B. Kennickell & Myron L. Kwast & Martha Starr-McCluer, 1995.
"Households' deposit insurance coverage: evidence and analysis of potential reforms,"
Finance and Economics Discussion Series
95-5, Board of Governors of the Federal Reserve System (U.S.).
- Kennickell, Arthur B & Kwast, Myron L & Starr-McCluer, Martha, 1996. "Households' Deposit Insurance Coverage: Evidence and Analysis of Potential Reforms," Journal of Money, Credit and Banking, Blackwell Publishing, vol. 28(3), pages 311-22, August.
- Gary Gorton & James A. Kahn, 1993.
"The Design of Bank Loan Contracts, Collateral, and Renegotiation,"
NBER Working Papers
4273, National Bureau of Economic Research, Inc.
- Gorton, G. & Khan, J., 1992. "The Design of Bank Loan Contracts, Collateral, and Renegociation," RCER Working Papers 327, University of Rochester - Center for Economic Research (RCER).
- Douglas D. Evanoff, 1992. "Preferred sources of market discipline: depositors vs. subordinated debt holders," Working Paper Series, Issues in Financial Regulation 92-21, Federal Reserve Bank of Chicago.
- Calomiris, Charles W & Kahn, Charles M, 1991. "The Role of Demandable Debt in Structuring Optimal Banking Arrangements," American Economic Review, American Economic Association, vol. 81(3), pages 497-513, June.
- Calomiris, Charles W., 1999. "Building an incentive-compatible safety net," Journal of Banking & Finance, Elsevier, vol. 23(10), pages 1499-1519, October.
- Scott, James H, Jr, 1977. "Bankruptcy, Secured Debt, and Optimal Capital Structure," Journal of Finance, American Finance Association, vol. 32(1), pages 1-19, March.
Citations are extracted by the CitEc Project, subscribe to its RSS feed for this item.Cited by:
- Pagès, H. & Santos, J., 2002.
"Optimal Supervisory Policies and Depositor-Preferences Laws,"
Working papers
91, Banque de France.
- Henri Pagès & João A. C. Santos, 2003. "Optimal supervisory policies and depositor-preference laws," BIS Working Papers 131, Bank for International Settlements.
- Marvin Goodfriend & Jeffrey M. Lacker, 1999.
"Limited commitment and central bank lending,"
Working Paper
99-02, Federal Reserve Bank of Richmond.
- Marvin Goodfriend & Jeffrey M. Lacker, 1999. "Limited commitment and central bank lending," Economic Quarterly, Federal Reserve Bank of Richmond, issue Fall, pages 1-27.
- Urs W. Birchler & Diana Hancock, 2003.
"What does the yield on subordinated bank debt measure?,"
Finance and Economics Discussion Series
2004-19, Board of Governors of the Federal Reserve System (U.S.).
- Hancock Diana & Urs W. Birchler, 2004. "What Does the Yield on Subordinated Bank Debt Measure?," Working Papers 2004-02, Swiss National Bank.
- Urs W. Birchler, 2000. "Are banks excessively monitored?," Working Papers 00.14, Swiss National Bank, Study Center Gerzensee.
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U.S. Department of Transportation Office of Public Affairs 1200 New Jersey Ave., S.E. Washington, DC 20590www.dot.gov/affairs/index.html
FMCSA 02-14 Friday, January 10, 2014 Contact: Marissa Padilla Tel.: (202) 366-9999
The Federal Motor Carrier Administration (FMCSA) today announced that it is extending by one year, until Jan. 30, 2015, a requirement that interstate commercial driver's license (CDL) holders retain paper copies of their medical examiner's certificate and continue to make the document available for review upon request at the roadside by federal and state commercial motor vehicle inspectors. In Dec. 2008, FMCSA issued a Final Rule modernizing, streamlining, and simplifying recordkeeping obligations for drivers, carriers and state governments by requiring that a driver's medical certification record be merged with state-issued CDLs. States received support from FMCSA to implement the necessary IT system upgrades and merge the records into one, online database – the Commercial Driver's License Information System (CDLIS). FMCSA announced the one-year extension today to protect commercial drivers from being cited for violations because some states are not yet in full compliance with the new system. For a copy of the Federal Register announcement, see: www.FMCSA.DOT.gov.


text:
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Dec 30, 2012, 09:53 PM | |
The pad is a simple base made from 2" plastic pipe with a 1/2" bolt to hold the blast plate and rail. There is no adjustment as I launch all of them straight up and pitch into the wind after it clears the rod if needed. I have a hose clamp on the rail about two feet up from the bottom. The launch buttons sit on it so I don't need a standoff and it holds the model high enough that i don't need to worry about any back blast melting the foam. The rail buttons keep the wind from making the model twist due to any breeze. Simple and very stable. I've had tripod based launch pads blow over with gliders on them.
Frank |
Latest blog entry: F-101B Voodoo with video
Dec 31, 2012, 04:12 PM | |
Glen, I steer them on the way up, more or less depending on what I want, and what the wind is doing. The X-2 I pitched over a bit to make sure I was upwind.
This was the first flight where I had only full flying tail controls on that plane(no ailerons) and it has a large wingspan so I wasn't sure how much turning authority I would have and wanted extra room for my approach, turned out to be a non issue. Also, it isn't as horizontal as the video appears, it's pretty vertical but due to the camera person being in a different spot than me, it always looks like the plane is level or diving when it doesn't look like that me when I'm flying it On the bomarc, It started to go toward the nose a bit, so I pitched back up vertical and then pitched over when the motor burned out, but on the video, the smoke cloud and wind makes it look like it was doing a sort of corkscrew... Frank |
Latest blog entry: F-101B Voodoo with video
Jan 10, 2013, 06:45 AM | |||
Joined Aug 2012
102 Posts
off a bungee
Apr 15, 2013, 03:32 AM | |
bungee launched
May 11, 2013, 04:52 PM | ||
I'm very happy with the flight and the extra altitude. On the up part it got going pretty fast. I tried to correct a roll and ended up severely overcorrecting. The roll was very axial, and with the glider still going straight up, so no harm came of it, just my surprise at how lively this glider can be with a bigger motor. My Ecee is fun again! Ari. |
May 12, 2013, 10:59 AM | |
St Catharines Canada
Joined May 2002
860 Posts
The CTI F30 is one of my favorite motors. I wonder though, Rob I believe says not to airfoil the balsa,but I think the Ecee is large enough that it could do it much good if an AG type for example was correctly carved into the balsa. Well maybe I'll just have to save up and try it myself.
Saw the video on TRF, love the slow mo take off! Hope you get a full vid on too. Richard |
May 12, 2013, 03:51 PM | |||
I'm afraid that's all the footage that I have. Cameraman was expecting a shred. He filmed at 240 fps and didn't follow the glider up once it didn't shred :=)
May 14, 2013, 08:10 AM | ||
May 31, 2013, 02:07 PM | |||||||
Joined Jul 2010
19 Posts
Kaspichan World Cup, 2013, Bulgaria
S8E/P round 1
S8E/P round 2
S8E/P round 4
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History: Bjorn Lynne Page 42 |
0 - 30sec | 31 - 60sec | > 61sec | only loops | all results | |||||||||
Order By:
Slicks and chicks loop1 (00:23) ID:12963 ¥ 1954 -
By Bjorn Lynne. Techno pump, retro synths and dance beat. Keywords: Dance, techno, trance, house, beat, club, electronic, electronica, dancing, driving, upbeat, strong, background beat, backbond groove
Slow and serious loop 01 (00:06) ID:12980 ¥ 1954 -
By Bjorn Lynne. Slow and Serious: Corporate underscore musical bed. Slow technology pulse with an aire of importance, truth and serious business. Keywords: tv information news broadcast stock market stocks business update. UK.
Snow ride loop01 (00:15) ID:12992 ¥ 1954 -
By Bjorn Lynne. No description available
Solnatt loop01 (00:39) ID:13003 ¥ 1954 -
By Bjorn Lynne. Solnatt is a Norwegian word that means 'Night Sun' (roughly). Inspired by the northern midnight sun, this is a fragile and reflective piano piece, with hope and light mixed with melancholy. Highly suitable for use in film or other...
Space precinct loop1 (00:13) ID:13018 ¥ 1954 -
By Bjorn Lynne. Space Precinct: Techno-trance with the added dimension of crunchy rock guitar for extra bite and deptth. Synth bass groove and driving techno drums, analogue synth sequences and soaring guitar notes. Highly suitable for any extrem...
Starfield loop01 (00:13) ID:13031 ¥ 1954 -
By Bjorn Lynne. Feel-good space rock track somewhere between electronic, rock and progressive music. Fairly mellow and highly melodic, like if you took equal parts Pink Floyd, Tangerine Dream, Vangelis and Mike Oldfield.
Stellar welcome loop 01 (00:20) ID:13042 ¥ 1954 -
By Bjorn Lynne. Powerful but friendly and inviting. Pulsating space-age theme. Keywords: corporate company uplifting positive bright outlook spacey space-age underscore business serious website stock markets tv update news broadcast commercial in...
Stingray longer loop (00:56) ID:13051 ¥ 1954 -
By Bjorn Lynne. A slick, smooth, streamlined and uplifting electro groover. Uptempo, but not too intense, this track features subtle acoustic guitar melodies, a fast but somehow still chilled-out groove and a clean-cut, bright and appealing produ...
Sun temple loop1 (00:20) ID:13074 ¥ 1954 -
By Bjorn Lynne. Sun Temple: A warm and uplifting chinese / oriental / tibetan track with transparent production, chinese finger cymbals and a Tibet inspired chant. Full mix. UK.
Sun willow loop1 (00:14) ID:13081 ¥ 1954 -
By Bjorn Lynne. Sun Willow: Warm, tender, calm, spiritual, soothing and romantic. Ambient relaxation music with piano, strings, acoustic guitar. Suitable for spa treatment, healing, reiki, yoga, pilates, nature, etc. UK.
Tactical moves loop01 (00:24) ID:13099 ¥ 1954 -
By Bjorn Lynne. Determined, serious underscore track for political thriller or drama. Slight military or SWAT team feeling, going through preparations, moving into position, or being chased. Moderate intensity, mix of deep, dark percussion with o...
Taiko triads loop 01 (00:15) ID:13111 ¥ 1954 -
By Bjorn Lynne. Taiko Triads: A dark and ominous piece with heavy use of the Taiko drum and japanese/chinese Gong. No melody, all percussion. Martial Arts, Japanese triads, dark, foreboding, military, historical, impending battle. Chase scene, et...
Talisman loop 01 (00:27) ID:13120 ¥ 1954 -
By Bjorn Lynne. Talisman: A blend of techno-trance and middle-eastern mysticism. The track opens with chanting and tabla, and builds to an electronic trance club anthem. Be sure to listen for a minute or so, as the main beat kicks in at around 50...
The circus loop 01 (00:14) ID:13144 ¥ 1954 -
By Bjorn Lynne. Just like the title says, a good and proper piece of pompous Circus music.
The coco race loop01 (00:14) ID:13153 ¥ 1954 -
By Bjorn Lynne. A fun and bouncy African or jungle inspired track. Double-time drums give it a race or action feel, but in a fun and friendly way. Occasional tribal grunts, lots of varied melodies throughout, and a humorous element in the live ka...
The desert ruins loop 01 (00:15) ID:13165 ¥ 1954 -
By Bjorn Lynne. Dark atmospheric film soundtrack style. Sparse, foreboding, sneaky. Slight ethnic slant. Keywords: dark atmospheric background underscore soundtrack sparse ominous foreboding sneaky ethnic world deep drum impending suspenseful mys...
The extract loop1 (00:13) ID:13175 ¥ 1954 -
By Bjorn Lynne. Techno-trance with a dark, ominous forward drive, distorted synths, sub-bass, squelching analogue leads, guitar stabs and a strong, relentless trance groove.
The freeze loop01 (00:33) ID:13188 ¥ 1954 -
By Bjorn Lynne. Very sparse underscore, almost a void. Scraping pads, unrecognizable, resonant sounds. A place of unease and disease, sneaking, hiding. Great as a sci-fi, thriller or horror backdrop. Keywords: horror thriller mystery sneaky sneak...
The jungle trail loop01 (00:13) ID:13209 ¥ 1954 -
By Bjorn Lynne. The Jungle Trail: Almost entirely percussion driven track. Upbeat african rhythms with multiple drums. A subtle underlying bass line, influenced by trance music. Occasional African flutes. Inspired by the sound of Safri Duo. UK.
The Lost Rites (Loop A) (00:43) ID:13218 ¥ 1954 -
By Bjorn Lynne. The Lost Rites: A grand cinematic piece with ethnic & tribal undertones. Chants, pulses and crescendoes give a sense of witnessing thousands of years of mystery and mythology. UK.
Page 42 / 53 previous 1 ...... 38 39 40 41 42 43 44 45 46 ........ 53 next -


text:
I love Red-tailed Hawks. I know they're common. Most people think "just another red-tail" when they see one, but to me, they represent the quintessential example of avian complexity. These widespread raptors exhibit strong geographical variation, both within and among described subspecies. They are polymorphic, with some subspecies ranging from ghostly white to completely black underneath. The breeding range limits of the various subspecies remain poorly understood, especially in the northern Great Plains and boreal forest region, where intergrades that show characters of many subspecies leave observers scratching their heads. Then there's the Harlan's subspecies (Buteo jamaicensis harlani) — or species, a form whose taxonomy is an ongoing matter of debate. Given all of the above, I think I've made my case: There's a lot more to Red-tailed Hawks than first meets the eye, and I spend a lot of my free time studying this species in the field. My camera has become an indispensible piece of birding equipment — as important as, and sometimes more important than, my binocular. When I step into the field these days, my binocular, spotting scope and camera create a powerful combination. Over the past few years of research, I've taken roughly 15,000 photos of Red-tailed Hawks. In the process, I've learned how to use my camera as a birding and observational tool, and I've become a better and more careful birder while learning a lot about Red-tailed Hawks. The Camera As A Birding Tool Consider several reasons why taking photos can improve your ability to observe and understand birds. While birds are interesting because of their wildness, their behavior and their ability to fly, these same traits can make for challenging observation conditions. Some birds perch prominently in the open or feed on tidal flats, generally tolerating human beings in close proximity. Others, however, are skulkers and provide only quick glimpses as they bounce around through dense vegetation. Still others are just plain wary, flying away as soon as we stop to look at them. Cameras can capture birds in space and time, allowing you to examine fine details immediately by reviewing the photo on the camera. Most models have high-definition screens on the back now. The quick review of a photo can help you determine if the bird is typical or perhaps more interesting and worthy of pursuit and further study.
Observing Fine Details In Red Tails By using my digital camera as an observation tool, I can see more detail on birds than I ever could through my binocular or spotting scope. Before using a camera, I tried to write notes on flying Red-tailed Hawks while struggling to see details of tail pattern and plumage through a spotting scope — two things that help distinguish the various subspecies. By using the camera to stop the bird in flight, I could examine the bird in greater detail. For instance, I took one image from an open car window when the Red-tailed Hawk flushed off a roadside post. With just one sharp image, I can see enough detail to confirm that this bird as a rather typical Harlan's Red-tailed Hawk, the identification stemming from its white-based, mottled grayish tail. Another image offers a classic example of a case where I couldn't see the necessary detail through my binocular — but could see it in an image to review. Without close scrutiny, this bird could be passed off as a rather typical rufous-morph western Red-tailed Hawk (Buteo jamaicensis calurus), but this individual is interesting in many ways. In the photo, I can see white flecking where the darker belly meets the more rufous breast, a good indicator of Harlan's ancestry. Examination of the flight feathers reveals some clues about the bird's age: The outer three primaries are retained from juvenile plumage, as are a few of the obviously shorter secondaries that lack broad dark tips. This indicates a bird is in its second year, having gone through one cycle of wing molt. Moreover, those outer three primaries are banded out to their tips — a classic Harlan's field mark and very rare on a western. A close look at the tail reveals a smudgy darker tip and wavy mottling throughout — another key Harlan's characteristic. By examining plumage details, I can see that this is no ordinary western Red-tail; instead it is a Harlan's or possibly an intergrade between Harlan's and western. With the aid of the camera, I revealed something that might have slipped by unnoticed.
Documentation An important and often unsung component of carrying a camera is the ability to document the birds seen in the field. It's one thing to say you saw a rare bird; it's something quite different to come back with your report and documentation in the form of photos. With more birders now carrying digital cameras in the field and documenting what they see, we are learning lots of new information about the distribution of birds. In my job at eBird, I regularly see backyard birders submitting documentation of rare birds at their feeders, and it's great to be able to archive those photographs with the bird records. Observatio ns that might have been blown off as "crazy" in the past are now frequently documented with photos. These provide tangible support for the observation and an archivable piece of documentation for future use.
A Caveat Once you get hooked on digital photography, you might feel tempted to "shoot first and ask questions later." This is a dangerous prospect for birders. Single photos, or even a series of photos, can be prone to misinterpretation, the vagaries of lighting, exposure, shadow and, worst of all, bad or "creative" post-processing with software. A balance must be struck. During a recent pelagic trip, many immature jaegers were migrating south. A colleague and I decided that one of us should look at each bird to get a field impression, while the other photographed the bird to examine the fine details. This approach worked well and helped us confirm the field identification on many individuals — and refute the ID on others. Don't let your field skills deteriorate because you forget to look at the birds and instead choose to simply photograph them. Use your binocular, spotting scope and camera together to gather all possible data from the bird. While a camera is good at capturing detail, your observation of the bird in life will capture many important identification criteria such as general shape and impression, flight style, behavior and sounds. Adding a camera to your birding arsenal is a great step, but don't forget to be a birder. 25 Tips For Better Birding
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Knicks limp back home facing elimination after Game 4 loss to Pacers
INDIANAPOLIS — Desperate times require desperate measures. But where do the Knicks go when they've already shown their desperation?
The Knicks tried shifting lineups and strategies, playing rough and arguing with themselves and with the officials Tuesday. And when the dust cleared, they were left with a 93-82 defeat at Bankers Life Fieldhouse in Game 4 of the best-of-seven Eastern semifinals.
The final image for the Knicks was J.R. Smith driving the lane for an uncontested layup in the final minute — and missing it, then hanging his head in disgust as the Pacers ran out the clock. The Knicks retreated to the locker room where this message was on the board: "Stay the course. Win one. Change everything."
If only swinging the mood was as simple as mouthing platitudes. The reality is that the Knicks trail three games to one, and face elimination Thursday at the Garden unless they can find a way to change their fortunes — something that seems hard to imagine after this latest failure.
"I believe. I really believe that we can do something special here," Carmelo Anthony said. "Our backs are definitely against the wall at this point. We have to take it one game at a time. We must win Thursday and figure it out from there. We remain very confident.
"I believe that. I still do believe that we are the better team. We're just not playing at that level right now."
"Well, I mean, you wonder," coach Mike Woodson said when asked if it befuddled him where the team he'd seen all year had gone. "But again, I can't lose hope. It takes four games to get out of this series. We go home, we handle our business at home and then we get back here Friday to see if we can force Game 7. That's what I'm thinking. That's the only way I'm thinking."
But what his team was thinking was something darker, admitting that it wasn't just the beating it absorbed Tuesday, but the fact that it hadn't played well since Game 3 against the Celtics. While the finger-pointing was in the mirror at least this time, it was hard to avoid noticing that Game 3 versus Boston was the point at which Smith was ejected and suspended — and when things went wrong for himself and the team.
"My frustration level with myself is extremely high," Smith said. "I take the blame for this whole series. It started off with Game 4 in Boston or Game 5. I haven't been playing [like] myself. I haven't played my part. I've been letting my teammates down. I've been letting my coaches down. It doesn't feel good."
After days of back and forth over game plans and finger-pointing about selfish play, the Knicks could blame only themselves. Anthony finished with 24 points on 9-of-23 shooting with nine rebounds before fouling out with two minutes left. Smith struggled through a nightmarish start: He missed 10 of his first 11 shots before finishing with 19 points.


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I took my young friend who loves the game & she was on her feet the whole game. Wonderful seats for the price. Free souvenirs. A bonus, it was Breast Cancer Night & I'm a survivor.
Our seats were amazing. We had a great time. Players took the time to sign autographs. Very memorable night.


text:
Hacienda Style Secluded 4 BR Villa on Camelback Golf Course
You sent a message to this owner.
- Minimum stay:Contact owner
- Internet:Yes
- Pets considered:Ask Owner
- Wheel chair accessible:No
Paradise Valley house description
Hacienda de Leon is a 4 bedroom, 4400 Square Foot Spanish hacienda style Villa located in the heart of Paradise Valley on the 8th hole of the Camelback Country Club Estates Golf Course. Step into another world upon entering the Grande Salon pausing to enjoy our collection of Spanish Colonial religious artwork of the Cuzco School of Peru. Each room has been tastefully appointed to recall the by-gone eras of the Spanish New World and the historical settlement of the American Southwest while respecting the Native Americans who came before. Continue thru to the outdoor living area and the pool, spa and dining areas and sweeping views to Camelback and Mummy Mountains. Three living rooms provide ample space for entertaining family and guests or sneaking away for that moment of solitude. Enjoy our fully equipped spacious gourmet kitchen, or delight in any one of the numerous restaurants within easy driving distance in Paradise Valley, Old Scottsdale and North Scottsdale.
We are centrally located near Scottsdale Road and Double Tree Ranch Road. Our home appeals to spring training ball players and fans alike, snowbirds and their guests, honeymooners, couples sharing a home, and families who want an affordable vacation option with all the amenities of a resort. Come enjoy our lovely Arizona home and make it your own whether for an extended stay greater than one month or short term rental periods of 4 nights or more.
Keywords: hacienda, golf course location, mountain views, desert, villa, private home, exclusive home, affordable, old world character
Property Type
- House
Accommodation Type
- Vacation Rental
- Non Smoking Only
Bedrooms: 4 Bedrooms, Sleeps 8, Beds for 8
Kitchen & Dining
- Microwave
- Cooking Utensils
- Ice Maker
- Kitchen
- Refrigerator
- Catering Available
- Dishwasher
- Parking Off Street
- Air Conditioning
- Linens Provided
- Garage
- Clothes Dryer
- Washing Machine
- Gas Fireplace
Other Amenities
- Salt water pool, master bedroom separated from guest BRs, 3 indoor fireplaces, 1 outdoor fireplace, numerous private lounging areas, award-winning landscape featured in Phoenix Home and Garden, gourmet kitchen, Spanish colonial art and warm inviting interiors, conveniently located to area attractions in the heart of Paradise Valley, but secluded and quiet. Perfect for families and friends sharing this upscale hacienda....moreless
- Music Library
- DVD Player
- Stereo
- Satellite / Cable
- Video Library
- CD Player
- Broadband Access
- Wireless Internet
Pool & Spa
- Hot Tub
- Private Pool
Outdoor Features
- Lanai / Gazebo
- Deck / Patio
- Outdoor Grill
Location & View
- Golf Course Front
- Mountain View
- Hiking
- Miniature Golf
- Horseback Riding
- Cycling
- Swimming
- Golf
- Rock Climbing
- Antiquing
- Restaurants
- Live Theater
- Museums
- Health/Beauty Spa
- Sight Seeing
- Shopping
- Cinemas
Write a review-
Location, comfort, and perfect pv experience
Location, comfort, and perfect pv experience
- Guest Amandalynsheehan (Lexington)
- Date of stay 12/15/12
- Review Submitted 01/02/13
This is a pv centrally located property. The floor plan is comfortable and perfect for families. We loved the beautiful spaces and southwestern feel. Being from the area i can say this is an ideal rental.Recommended for: Age 55+, sightseeing, romantic getaway, families with young children, adventure seekers, girls getaway.
Did you find this review helpful? Yes | No Helpful votes: 0/0
- Guest SavvyMom (Austin, TX)
- Date of stay 11/20/12
- Review Submitted 12/24/12
Our family, including 5 adults and one small child, had a wonderful time and experience at this property. The owners are terrific and were a pleasure to deal with from beginning to end. The views from the property are gorgeous and the backyard is truly a desert oasis. Gourmet kitchen w all the amenities, beautiful Spanish Mission decor, awesome location close to everything but in a quiet and safe residential neighborhood. We thoroughly enjoyed our stay and would definitely rent again. You will love this property!Recommended for: Families with teenagers, age 55+, romantic getaway, pet owners, families with young children, adventure seekers, girls getaway.
Did you find this review helpful? Yes | No Helpful votes: 1/1
Cant wait to go back!!
Cant wait to go back!!
- Guest Jean (Mequon Wi)
- Date of stay 03/30/12
- Review Submitted 07/10/12
We loved this place so much, we are going back again in Spring!! It is truly a home away from home and in a wonderful location!Did you find this review helpful? Yes | No Helpful votes: 0/0
Beuatiful home / great location
Beuatiful home / great location
- Guest sunseekers (Vancouver BC, Canada)
- Date of stay 08/22/11
- Review Submitted 09/03/11
Our family of five (2 teens and an eleven year old) recently rented this home for 5 nights - wish we could have stayed longer. Great kitchen, great layout of house, and exceptional backyard and pool. We have stayed in some of the best resorts in the area - we won't anymore as this was a much better experience.Recommended for: Families with teenagers, age 55+, romantic getaway.
Did you find this review helpful? Yes | No Helpful votes: 0/0
Exceptional Spot for A Family Gathering and/or Special Celebration
Exceptional Spot for A Family Gathering and/or Special Celebration
- Guest B.D. (San Antonio, Texas, USA)
- Date of stay 05/11/11
- Review Submitted 06/01/11
My family wanted a place where we could all stay together to celebrate my ASU graduation weekend. From meeting Linn and Donna to the moment we left everything was absolutely picture perfect. (It was especially nice to arrive to find that they had left me a graduation treat in the refrigerator!). The kitchen is huge so if you are preparing meals for a troop then this is your place, and the outdoor entertaining area is fabulous. Watch out for golf balls as one did land in the pool while we were sitting outside! The golfer's did yell "Fore" so at least we knew to cover our heads! The decor is absolutely priceless and it feels like you truly are surrounded by works of art. Thank you to Linn and Donna for making my graduation weekend with my family an event to remember from beginning to end!Recommended for: Families with teenagers, age 55+, sightseeing, romantic getaway, families with young children, adventure seekers, girls getaway.
Did you find this review helpful? Yes | No Helpful votes: 0/0
The Best Home We Have Ever Rented....
The Best Home We Have Ever Rented....
- Guest The Jeffrey (Vail Colorado)
- Date of stay 11/08/10
- Review Submitted 02/01/11
...with THE BEST landlords!!! We rented "The Casa" for an extended stay...it is simply spectacular...the views are the best we have seen in Arizona, the backyard courtyard is out of Conde Naste's Best Resorts. The location is unbeatable, the comfort level throughout the home is fabulous...and Linn and Donna were superb landlords....please email me if you have questions...I RARELY rave about anything...but this get a PERFECT FIVE STAR rating from meRecommended for: Families with teenagers, age 55+, romantic getaway, girls getaway.
Did you find this review helpful? Yes | No Helpful votes: 1/1
nov 2010
nov 2010
- Guest rick w. (nebraska)
- Date of stay 10/31/10
- Review Submitted 11/28/10
Owners-great. Location-hard to find better. We have rented many homes in the area. The total package is nearly unbeatable. A new kitchen, top of the line amenities, outstanding view, large, lovely patio area with water features, large master bath with great shower, and excellent maintenance people for the yard and pool, keeping it spotless. The price is a bargain and the owners truly share their home with you. That is hard to find. Highly recommend.Recommended for: Families with teenagers, age 55+, romantic getaway, people with disabilities.
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Great Place, Nice Owners
Great Place, Nice Owners
- Guest Aquilla (Phoenix, AZ)
- Date of stay 07/03/10
- Review Submitted 07/16/10
Great place, nice owners. We live in Phoenix and did our law firm retreat there, 3 great days of sun and fun. Beautifully appointed, architecturally outstanding. Saltwater pool is tons of fun, great backyard and BBQ. Plenty of room and privacy, master suite split from the other bedrooms. Very fair pricing as well. We live just 20 minutes away but cannot wait to go back!Recommended for: Romantic getaway, pet owners, girls getaway.
Did you find this review helpful? Yes | No Helpful votes: 1/1
A beautiful Getaway!
A beautiful Getaway!
- Guest Irie (Chicago, IL)
- Date of stay 06/22/10
- Review Submitted 06/22/10
A beautiful Getaway for all! Stayed at the Casa Dona Maria for a long weekend with a group of friends and we had it all. From the road the home is groomed and Arizona-like. When you walk in, life changes, you are on vacation in some far away place...like Spain or some other exotic little Mediterranean / Mexican Island. The home is spacious and beautifully decorated...comfortable and with all the top amenities...the kitchen is huge and had room for all to enjoy the food preparation..from a little breakfast to a full course dinner. The living space is amazing...You could easily be with a group or find a place just to relax by yourself....The outdoor area is light and refreshing...a covered area, open area and a beautiful pool to cool off in. We took walks in the morning, climbed mountains on other mornings and could go shopping or play golf too. It's a place that has it all, I'd go back in a flash!Recommended for: Families with teenagers, age 55+, romantic getaway, girls getaway.
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Best of Phoenix/Scottsdale
Best of Phoenix/Scottsdale
- Guest Grin-Reagan (Chicago)
- Date of stay 05/26/10
- Review Submitted 06/15/10
We have rented a number of houses in the Phoenix/Scottsdale area, and none comes close to Casa Dona Maria. If you are looking for a secluded hideaway, this is it. If you are looking for house that is minutes away from the best restaurants/entertainment in Scottsdale, this is it. If you are looking for a place that is ideal for a morning run or bike ride, this is it. Truly, this is a dream vacation home that only few owners are willing to rent. If it is available when you want to be in Phoenix, jump at the opportunity; from the pool to the views overlooking the mountains to the wonderful sound system all over the property, you will relish your time here. One additional note, even though we were on vacation in Arizona, we still love the opportunity to just cook steaks on the grill at home rather than go out; that is the joy of renting a home instead of going to a resort. Casa Dona Maria not only has a chef's kitchen, but it has every pot and pan you would need (a rarity in rental homes), and an incredible patio upon which to have your meal and an enjoyable glass of wine. The only reason we wouldn't recommend Casa Dona Maria with 5+ stars would be that we wouldn't want everyone else to realize how fabulous it really is...This should be your first call for your next trip to Phoenix.Recommended for: Families with teenagers, age 55+, sightseeing, romantic getaway, families with young children, girls getaway.
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Currency ConversionLow Season (Jun 01-Sep 30) .. $500/night (4 persons) Spa and/or pool heating available upon request for additional charge. No pets, thank you. 50% non-refundable deposit at booking. Balance due upon arrival. Post occupancy cleaning fee $200 paid on arrival.
Note: Until confirmed, rates are subject to change without notice.
Always make sure to call the number on the listing to confirm payment details.
Only pay using credit card, PayPal, check or direct bank transfer. NEVER pay by cash or instant money transfer services such as Western Union or MoneyGram. Learn more
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Sorry this information is not available. Please contact the owner for more information.
Owner info
Year Purchased: 2005
About the owner: Linn & Donna, owners of Hacienda de Leon, reside in the Chicagoland area and dream of the day that they can spend the majority of their time in the beautiful American Southwest.
Why the Owner Chose Paradise Valley:
Paradise Valley and the Camelback Country Club Estates is the premier location within the Phoenix area. A 25 minute taxi ride from Sky Harbor Airport transports you to the heart of the Old Scottsdale area with its shops, restaurants, night life and recreation. The Camelback Golf Club is at our doorstep. Situated on a one acre densley landscaped site, the location is private, quiet, and transforms into a oasis of old world living with the amenities of a resort.
Contact us
- Primary: (847) 302-4749 (Illinois, USA)
- Secondary: (847) 302-4749 (Illinois, USA)
- Click Here to see All My Rental Listings
Hacienda de Leon property along Golf Drive, Paradise Valley
Grande Salon evening sitting room
Interior Ramada Room Fireplace
Hacienda Dining Room
View from Courtyard fountain to Camelback & Mummy Mountains
Master Bedroom King Bed
San Miguel De Allende Guest Room
Grande Salon and Spanish Colonial Art of the Cuzco School
Nighttime in the cozy Ramada room
Family Cucina
Award winning landscape design featured in Phoenix Home & Garden Magazine
Serene Moments poolside in the early morning.
Master Bedroom fireplace and sitting room
Guest Room dedicated to Frida Kahlo and Diego Rivera
There have been visitors to this page since the counter was last reset in .
This listing was first published here in 2010.
Date last modified - Tuesday, February 04, 2014
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text:
Om nom nom Animals
Artist description:
It's been a while. And I wanted to try realism/perspective/fluffycuteness. Ref credit to the wonderful Moonsongwolf [Link] drawing credit to meh. Could be better, but I HATE GRASS >8[
Created May 13, 2010. Unless noted Copyright 2010
nyani .
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wonderful draw ... new here...trying to check out all the other wonderful art work at RMD love this 5h enjoyed watching the draw!! ^A^
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text:
@SusanSobon for fucks sake lady. people are living longer than they were 70yrs ago. its fucking fact. read a damn medical book or 9, stop spewing your idiocy or stop wasting air.
@SusanSobon @melissahebbard oh for fucks sake lady, i already told you. its b/c of the rampant use of Abx's, the fact people largely do not die from infections anymore, and Abx's do not kill every bug, some survive due to mutations. these bugs then multiply and all their kids are also stronger against said Abx. how can you have such strong opinions on such issues when its painfully clear you know absolutely nothing about medicine or science in general? seriously? do you not realize you know nothing about medicine, science and the healthcare field?
@SusanSobon @AJ2 @jfred proven safe in the fact that hundreds of millions have gotten these vaccines and the numbers of adverse reactions remains miniscule. again, its all about the odds.
@SusanSobon @jfred @galaxiou @AJ2 i simply say, again, that nothing is 100%. vaccines simply improve your odds vs that/those diseases. its that simple. life is quite a bit about increasing the odds in your favor as nothing is 100%. duh.
@KristenTop @SusanSobon @DaveHoule true, however, over time those memory t-cells do decline w/o repeat activation. thus after 60yrs, shingles can flare up if you've only gotten the chickenpox vaccine, which is why there is a shingles vaccine recommened at a later age...believe its around 50.
@SusanSobon @DaveHoule @ecady i'd recommend keeping your child home while you are breast feeding them, yes. i'm done w/your craziness. you simply have no idea what you are talking about. get your MD, LPN, APN, PA or RN degree and come back to me. until then i'd suggest you leave it to the professionals. you'll live longer than if you take your own misinformed advice.
@SusanSobon @DaveHoule LOL that has NOTHING to do w/MDR bugs. MDR bugs are b/c of the rampant use of Abx's. such drugs are prolific in hospitals b/c there are sick people everywhere, very sick people and Abx's are also everywhere. thus whatever isn't killed becomes stronger. b/c soap actually doesn't do much, its more of the mechanics of washing that does the work. fyi: we are instructed to wash our hands for the same length we are to 'rub' the alcohol over our hands.
@SusanSobon you mean forgo scrubbing w/betadine and simply use alcohols? first off thats a horrible analogy...going from simply touching another patient, to a dr actually placing his hands inside your body. just a bit of difference there, ya think. secondly, seeing as how gloves are used, and most surgeons i know, always double glove...it wouldn't be in the top 10 of things i'd be worrying about if it was me on the table. nice try though.
@SusanSobon @DaveHoule oh please lady. you simply cannot be this dense. yes people are liviing longer. talk to your grandparents--how long did people live in their day? there weren't many 80yr olds 70yrs ago. 100yrs ago 60 was old. 30yrs ago a heart attack was pretty much fatal. people are living longer, simply look at the rise and prevalance of nursing homes in the last decade. they are living past the point where they can take care of themselves. i mean honestly, stop spewing nonsense or stop wasting air. i mean seriously. jesus christ....
@SusanSobon @DaveHoule @ecady verified that you got it from your nephew or just that you had contracted pertussis? big difference. for starters: i'd recommend everyone getting their vaccinations so that newborns are afforded approprioate herd immunity. that will decrease the odds of said newborns from getting those diseases.
@SusanSobon @DaveHoule LOL. cancer rates are going up b/c people are living longer. its that simple. if you live long enough you will get cancer. its that simple. when old age was 50, 60...cancer wasn't around much. now that its 75,80,85...yes, of course cancer rates are going up. not exactly rocket science. its basic biology.
@SusanSobon @DaveHoule @jfred wrong. sabin vaccine hasn't been used in many, many years.
@SusanSobon @DaveHoule sanitizing lotion? i know of no such thing. i know of sanitizing alcohols which are everywhere. yes they kill all germs, however, your hands are quickly re-colonized by your natural flora very quickly. 'supergerms'? such as? they are used b/c they work in preventing the spread of germs. you try seeing 35 patients in 1hr, 40% of whom will bitch about having had to 'wait forever'. and excuse me lady, but doctors and nurses are anything but lazy. you have absolutely no idea what you are talking about.
@SusanSobon vaccines are safe. simply look at the overall numbers. how many years have kids/people been getting vaccines? decades of evidence of millions getting these vaccines and nothing statistical relevant on the negative side has come out. decades of vaccines, hundreds of millions of people have got these vaccines....and yet no rash of negative consequences. hmmmm...
@SusanSobon @DaveHoule @jfred the vaccine, salk cannot cause polio as its not a live virus. the sabin vaccine, the one we used to use back in the day, could. however, the sabin vaccine also conferred greater immunity and for longer. polio was on the decline b/c if you get it and survive you are then immune to it and a lot of people were getting it before the vaccine.
@SusanSobon wrong. the US was very sanitary in the 40's-60's yet polio was still quite prominent. however, after the vaccine was introduced the incidence rates plummeted. every country uses the salk vaccine. unless you count aborigines and tribes in the amazon who have no contact w/the world. yes, you can die from polio and die very easily unless you get an iron lung
@SusanSobon @ecady @DaveHoule first off i'd love to hear the evidence you have that your great nephew gave it to you. if it the last time you got vaccinated vs pertussis was outside the booster range i'd recommend you get your boosters. annoying at best? its not uncommon for infants to die from pertussis, which is just slightly worse than 'annoying'. there is absolutely no evidence that vaccines cause autism. none. zip. zilch. nada.
@jfred @DaveHoule yes b/c pretty much nothing is 100%. the odds are greatly in your favor of not getting a disease you have been vaccinated against. its called efficacy studies. vaccines work. that is fact. talk to your grandparents about the diseases running around when they were kids. don't hear much about any of those diseases anymore...b/c of vaccines. polio was rampant here in the US less than 70yrs ago.
@SusanSobon @DaveHoule you can't be serious? vaccines do work. for proof simply look at the prevelance and incidence of all the disease we have vaccines for. be sure to note the prevalance and incidence before and shortly after the respective vaccine was introduced. don't hear much about polio anymore do you? measles--nothing. r ubella-same. german measles--nada. for every single disease that we have a vaccine for, their prevlance and incidence dropped dramatically after their vaccine was introduced. the efficacy of vaccines is indisputable. its fact.


text: TGS: There's going to be a Hyperdimension Neptunia sequelHey! Remember that really weird game about videogame consoles getting personified to be goddesses? Well it seems the game did pretty good as there's a sequel in the works! The new Hyperdimension Neptunia Mk2 for the PlayStation 3 takes place after the original game and sees the player protecting the land of Gameindustri. Cute. Expect Hyperdimension Neptunia Mk2 sometime Spring 2012 in the US and Europe. Did you know? You can now get daily or weekly email notifications when humans reply to your comments.


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Wilfred Hahn is a global economist/strategist. Formerly a top-ranked global analyst and one-time head of a large global investment company with worldwide operations, his writings focus on the endtime roles of money, economics and globalization. He has been quoted around the world and his writings reproduced in numerous other publications and languages. His most recent book is The Endtime Money Snare: How to live free. For resources on "endtime economics" and to subscribe to the free newsletter, Eternal Value Review, visit Wilfred's website below.
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This page contains Cheats for Ligretto organized by sections for iPhone - iPod. Ligretto is a Miscellaneous Board Games game, made by Kiddinx Media GmbH, released on Apr 20, 2013 and published by Kiddinx Media GmbH. If you can't find a hint or secret in our list, then please check this page periodically for the latest updates. Note: This apple iPhone game app may also be compatible with the game app for apple iPad.
Ligretto iPhone - iPod Cheats
Ligretto, the fast-paced card game is now available as an app! Speed, good deduction skills and quick reactions are necessary in this game. Fascinating, entertaining and amazingly simple!Up to 4 players trying to be the fastest in emptying their Ligretto stack in several rounds.The rules are very simple. A yellow 4 is placed on a yellow 3, and so on until the first player has emptied his Ligretto stack. Then the round is over.A fast-paced card fun for young and old, in which the cards nearly fly around inside the iPad. Against the computer, online and wirelessly connected opponent, Ligretto is digitally as fast as physically, exciting and fun. Pure pleasure and fun!
- Developer: Kiddinx Media GmbH
- Publisher: Kiddinx Media GmbH
- Genre: Miscellaneous Board Games
- Release Date: Apr 20, 2013
- ESRB: Not Set
Don't forget to Bookmark this page for the latest Ligretto Cheats. At this moment there are no cheats or walkthroughs available for Ligretto. If you know cheats, secrets, hints or glitches for this game then please Submit them.
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