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Tis the season for the regulators to announce their examination priorities. No less than the SEC's Office of Compliance Inspections and Examinations released its 2014 Examination Priorities for its National Examination Program ("NEP"). In particular, the SEC identified several new issues for registered investment advisers, primarily for those RIAs, who are at least three years old and have never… Continue Reading
Category Archives: Investment Adviser Regulation
Subscribe to Investment Adviser Regulation RSS FeedWhat To Expect In 2014 From The SEC's Enforcement Division
Posted in Broker-Dealer Regulation, Hedge and Private Equity Funds, Insider Trading, Internal Investigations, Investment Adviser Regulation, SEC Compliance, SEC Enforcement, SEC Organization, SEC Structure, WhistleblowersNow that 2014 is here, it is a good idea to understand what the Enforcement Division might focus on this year. In a recent article that appeared in the BNA, David Marder, a partner with Robins, Kaplan, Miller & Ciresi identified fifteen things to expect in the coming year. The fifteen things he noted to… Continue Reading
Posted in Broker-Dealer Regulation, Investment Adviser Regulation, Investment Company Regulation, Sarbanes-Oxley, SEC EnforcementThe SEC adopted a rule to adjust the maximum amounts it may recover for civil monetary penalties imposed under the Securities Act of 1933, the Securities Exchange Act of 1934, the Investment Company Act of 1940 and the Investment Advisers Act of 1940 for inflation. The SEC's new rule-was effective upon publication, and also adjusts… Continue Reading
Posted in Broker-Dealer Regulation, Investment Adviser Regulation, SEC ComplianceDespite registrants' concerns about the increasingly close cooperation between the SEC's examination and enforcement arms, only about 10 % of SEC exams over the last two years were referred for enforcement. In deciding to refer a case to the Enforcement Division, OCIE considers questions such as: Is there an ongoing fraud? Is there egregious harm… Continue Reading
No-Action Relief For Delivery of Subadvisers' Form ADV
Posted in Investment Adviser RegulationThe Staff of the Division of Investment Management agreed to not recommend enforcement action under Investment Advisers Act of 1940 Rule 204-3 against unaffiliated registered investment advisers, who manage client assets if the subadviser delivers its Form ADV Part 2, to the adviser, rather than the client. See Goldman Sachs & Co., Inc., SEC No-Action Letter,… Continue Reading
Posted in Dodd-Frank, Investment Adviser Regulation, SEC ComplianceThe SEC Division of Investment Management, is reviewing the applications of private fund advisers, and focusing on two particular areas: advertising and the Form ADV. The Division's review will be "informed" by the questions and concerns raised by private fund advisers regarding the Investment Advisers Act of 1940 application to their practices and business models…. Continue Reading
Posted in Investment Adviser Regulation, SEC EnforcementA registered investment adviser was terminated and its principal barred because it failed to keep proper records. This failure lead to a charge of false registration and Form ADV claims as well as overcharging clients. See http://www.sec.gov/litigation/admin/2013/34-69601.pdf. The RIA misstated its AUM by nearly $30 million so that it could continue as a SEC-registered adviser. … Continue Reading
Posted in Conflicts of Interest, Investment Adviser Regulation, SEC EnforcementWhile the overwhelming majority of registered investment advisers are operating in the best interest of their clients in a very complex business, others do not, according to the SEC. These bad actors usually are either liars, cheaters, reckless or involved in conflicts of interest. The former usually face the wrath of regulators sooner… Continue Reading
So You Don't Think You Need A Business Continuity Plan; Here Are 15 Considerations Why You Should Have One
Posted in Broker-Dealer Regulation, Compliance and Supervision, Financial Industry Trends, Investment Adviser Regulation, Registered Representatives, SEC ComplianceNow that summer is in its waning days, the hurricaine season is about to take off. Hurricaine Sandy had a devastating impact on the financial markets, closing the equity markets for two days and some firms for at least a week. The SEC, CFTC and FINRA recently provided financial firms a framework to improve their… Continue Reading
Do You Want To Know What Keeps The Regulator Up At Night
Posted in Broker-Dealer Regulation, Compliance and Supervision, Financial Industry Trends, FINRA Compliance, FINRA Enforcement, Investment Adviser Regulation, SEC Compliance, SEC Enforcement, Social MediaAt a regulator's round table during a recent National Society of Compliance Professionals meeting, the regulators framed out those issues that are keeping them up at night. The issues include: The increasing complexity of investment products. Social media beyond things like Twitter or LinkedIn. Cyber security. Cyber fraud; i.e. hacking into customer accounts. AML issues… Continue Reading
What Investment Advisers Need To Know About The SEC
Posted in Compliance and Supervision, Financial Industry Trends, Investment Adviser Regulation, SEC ComplianceThe SEC recently announced that its top priority is to increase the number of investment adviser examinations it conducts on an annual basis. Considering that the SEC only examined 8% of all investment advisers in 2012 (where 40% have never been examined), the SEC could only increase the number of such examinations. The talk, for… Continue Reading
What You Need To Know About Identity Theft
Posted in Compliance and Supervision, Cyber-Security, Investment Adviser Regulation, SEC ComplianceHardly a day goes by without hearing horrible stories of a person having their identity stolen and their finances ruined as a result. The SEC is now stepping into this hornet's nest by adopting new rules for financial advisors who have the authority to move client funds to third parties. The new rules require firms… Continue Reading
You Should be Concerned With Expanding BrokerCheck
Posted in Broker-Dealer Regulation, Compliance and Supervision, FINRA Compliance, Investment Adviser Regulation, Public Customer Arbitrations, Registered RepresentativesFINRA announced that it is seeking proposed rule changes to make it easier for investors to use BrokerCheck. See http://www.finra.org/Investors/ToolsCalculators/BrokerCheck/. These proposed amendments to FINRA Rule 2267, Investor Education and Protection, would require member firms to include a BrokerCheck reference on their websites and those of any associated person. Additionally, FINRA Rule 8312, BrokerCheck Disclosure,… Continue Reading
One Thing An RIA Need Not Worry About.
Posted in Dodd-Frank, Financial Industry Trends, Investment Adviser Regulation, SEC Compliance, SEC EnforcementEver since Dodd-Frank, there has been much concern in the RIA world regarding who would be its regulator. At this point, RIAs can dispense with any concern that FINRA will be its regulator because FINRA pulled its hat out of the oversight ring, at least for now. Even thought FINRA spent nearly $2 million lobbying Congress… Continue Reading
BDs Remember to File Marketing Material
Posted in Broker-Dealer Regulation, Closed-End Mutual Funds, FINRA Compliance, Investment Adviser Regulation, Investment Company Regulation, Open-Ended Mutual FundsFINRA has published guidance on its new marketing Rule 2210. See http://www.finra.org/Industry/Issues/Advertising/P197604 FINRA has indicated that retail communications that will now be subject to this filing requirement has to be filed by February 19, 2013. FINRA suggested that retail communications relating closed-end funds and structured products must be filed. FINRA wants, among other things, filed certain presentation… Continue Reading
The SEC's Battle Continues with The Fund Industry
Posted in Hedge and Private Equity Funds, Investment Adviser Regulation, SEC Compliance, SEC EnforcementThe Chief of the SEC's Enforcement Division's Asset Management Unit, recently, indicated that the SEC Staff is now looking at identifying hedge and private equity fund RIAs, who may have higher risk issues like previous fraud allegations. See http://www.sec.gov/news/speech/2012/spch121812bk.htm In particular, the SEC is looking at when RIA managers delay fund liquidation to continue to receive fees–… Continue Reading
Is this FINRA's First Play for RIA Oversight? Opening FINRA Arbitration to RIAs
Posted in Arbitration, Intra-Industry Arbitrations, Investment Adviser Regulation, Public Customer ArbitrationsFINRA is now permitting RIAs to participate in its arbitration process. The details will be forthcoming. Traditionally, FINRA arbitrations were for broker-dealers to resolve their disputes. This is a significant opening for FINRA. Nonetheless, FINRA claims it is ready for RIA cases if the parties agree. Further, there are differences in standards under federal law for both. … Continue Reading
What Brokers Need to Know About Receiving Cash Fees
Posted in Broker-Dealer Regulation, Investment Adviser Regulation, No-Action Relief, SEC EnforcementThe SEC's Division of Investment Management allowed a sanctioned broker-dealer official to be paid a cash solicitation fee from a RIA. See J.P. Turner & Co. LLC, SEC No-Action Letter, avail. 9/10/12, and http://www.sec.gov/divisions/investment/noaction/2012/jpturner091012-206-4.pdf. The SEC Staff allowed the cash fees because the sanctioned official was not engaged in cash solicitation activities in his individual capacity. The SEC Staff… Continue Reading
Investment Advisers Wary of State Civil and (Gulp!) Criminal Action
Posted in Federal and State Criminal Activities, Investment Adviser Regulation, State EnforcementState securities regulators are going after investment adviser firms with a vengeance, including, but not limited to, seeking prison time for those who violate the their securities laws. A recent NASAA report indicated that investment adviser actions nearly doubled from the previous year. In fact, these actions comprised approximately 15% of all state securities enforcement actions. Criminal actions also rose… Continue Reading
You Need to Prepare for SEC RIA Inspections
Posted in Investment Adviser Regulation, SEC Compliance, SEC EnforcementWith the new year here, the SEC is beginning its registered investment adviser inspection program. There are, generally, routine, compliance, cause and sweep examinations and inspections. Depending upon where your investment adviser sits, the RIAmay be subject to one of these examinations. Generally, new RIAs are more, frequently, examined than those that have an established history. Of course,… Continue Reading
SEC Hedge Fund Adviser Exams Concentrate on Four Areas
Posted in Compliance and Supervision, Financial Industry Trends, Hedge and Private Equity Funds, Investment Adviser Regulation, SEC ComplianceThe SEC announced that it will most likely look at four main areas when examining newly registered hedge fund advisers. Those areas are marketing and advertising, portfolio management, conflicts of interest, and client asset safety. This approach will be followed as a result of certain risk assessments made by the SEC Staff. Essentially, the SEC Staff does… Continue Reading
Is the IM Division Changing with the Times? New RIAs Force Looksy With the Advisor's Act
Posted in Dodd-Frank, Financial Industry Trends, Hedge and Private Equity Funds, Investment Adviser Regulation, SEC Compliance, SEC Organization, SEC StructureThe SEC's Division of Investment Management has publicly stated that it will review the regulations relating to the Investment Advisers Act of 1940 given the large influx of new RIAs as a consequence of the registration of hedge and private equity fund managers. These new RIAs, now, account for roughly 40% of all RIAs. IM is looking… Continue Reading
All You Ever Wanted to Know About Sex… Oops, Sorry, We Meant SEC RIA Examinations
Posted in Dodd-Frank, Investment Adviser Regulation, SEC ComplianceBasically, if you are an RIA, you dread the knock on your door from the SEC (or the state) seeking to conduct some alien probe of your business operations. Although the SEC Staff is trying to do its best to be less intrusive, let's face it, their visits will always be laced with problems. As such,… Continue Reading
RIAs Watch for Poor Controls
Posted in Dodd-Frank, Investment Adviser Regulation, SEC Compliance, SEC EnforcementThe SEC inspections of RIAs have been showing that certain RIAs have poor controls in place. The SEC has been seeing in these inspections that the RIAs have been utilizing poor internal controls in their businesses. Many of these reports derive from the recent new advisers to hedge and private equity funds. These RIAs were required to be registered by… Continue Reading


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Don't Wanna Go Home
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That's my song, that's my song
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modern r&b stylingselectronica influences
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Say your moms name 5 times
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On Friday your crush will kiss u.

subset: commoncrawl


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Successful and thriving communities combine knowledgeable and engaged legislators, businesses, community groups and residents. By connecting these groups with the best research-based tools, Michigan State University Extension helps enhance the quality of life in Michigan, helps communities create and retain important jobs and gives residents and groups the tools to positively impact their cities, towns, townships and the state. With strong fiscal management, a healthy environment to encourage entrepreneurs and strong and sustainable communities, Michigan can be a model for communities in the 21st century.
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Seasonal High Tunnel Educational Initiative for Detroit and Wayne County
March 6, 2014 | Kristine Hahn | Educational resources and workshops sponsored by the Southeast Michigan Resources Conservation & Development Council will help ensure the success of new and existing hoophouse growers.
Hoop house grant program for Detroit and Wayne County
March 6, 2014 | Kristine Hahn | The Wayne County Local Food Initiative through the USDA Natural Resources Conservation Service has $150,000 for the construction of seasonal high tunnels for eligible applicants.
If you want to hear or be heard, check the acoustics
March 6, 2014 | Yvonne (Bonnie) Wichtner-Zoia | "I love hearing my audience breathe." - Adele
Ecological footprints in the Blue Water Area: Part 2
March 6, 2014 | Andy Northrop | Port Huron's Blue Water Area Chamber of Commerce identifies steps to reduce their ecological footprint.
Ecological footprints in the Blue Water Area: Part 1
March 6, 2014 | Andy Northrop | Port Huron's Blue Water Area Chamber of Commerce begins looking at their ecological footprint.
Farmers market looking to grow in Iosco County
March 5, 2014 | Mark Hitchcock | Recent agreement with Tawas City offers opportunity for growth for the Northeast Michigan Regional Farm Market.
HOT TOPICHow sweet the taste of Michigan maple syrup from Alcona County
March 5, 2014 | Mark Hitchcock | Alcona County FFA Sugar Shack project produces some of the highest-quality products during Michigan Maple Syrup Month: maple syrup and youth leadership.
Counties in Northern Michigan continue the tradition of sharing and learning
March 5, 2014 | John Amrhein | Northern Michigan county commissioners meet regularly to learn about and discuss issues that impact county government.
FoodCorps Service Program: Changing the school food environment
March 5, 2014 | Terry McLean | In its third year nationally, 125 FoodCorps service members and 15 FoodCorps Fellows are making a difference at 108 sites across 15 states!
Will a mobile farmers market work for your community?
March 5, 2014 | Kendra Wills | Lessons from the YMCA of Greater Grand Rapids' Veggie Van.
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Hey everyone! I will be playing a FREE SHOW tomorrow night with WINDS OF PLAGUE at The Slidebar in Fullerton CA! Come out and hang!!
My name is Nate Hess. I play guitar and sing in the band Bad & The Ugly. Im a simple patient person.
Ask me anything


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Monday night's game was the Cubs' second-fastest of the season, two hours and 25 minutes, which allowed me to get home in time to see the end of the Blackhawks game. There's no hockey tonight -- Game 7 of the Hawks series is tomorrow -- but somehow, I don't think we'll be as lucky for tonight's contest. 23 of the Cubs' 50 games have gone three hours or longer; the White Sox, surprisingly, have had fewer: 19 of 49.
More fun with numbers: the Cubs' big win last night put their run differential at -5, but they are still 10 games under .500. The White Sox are now at -18, but just one game under. At some point, both of those will even out -- clearly, again, the Cubs' record is largely due to ineffective bullpen work.
Here are a couple more interesting notes about Monday night's win:
Jeff Samardzija is the first NL pitcher to throw CG SHO vs #WhiteSox in their home park since Hod Eller 10/6/1919 in Game 5 of 1919 WS
— Christopher Kamka (@ckamka) May 28, 2013
Samardzija's was the first CG SHO by a #Cubs pitcher against the #WhiteSox since Three Finger Brown - Game 4 of 1906 World Series 10/12/1906
— Christopher Kamka (@ckamka) May 28, 2013
Cubs lineup:
Borbon CF, Castro SS, Rizzo 1B, Soriano LF, Hairston RF, Castillo C, Ransom 3B, Navarro DH, Barney 2B
Scott Hairston gets another chance.
White Sox lineup:
De Aza CF, Ramirez SS, Rios RF, Dunn DH, Konerko 1B, Viciedo LF, Gillaspie 3B, Greene 2B, Flowers C
Today's Starting Pitchers |
The itinerant Edwin Jackson last faced the White Sox in 2009, when he was with the Tigers. Current members of the White Sox are 10-for-63 (.159) against him with two home runs, both by Alex Rios. In fact, Rios accounts for nearly half (30) of those 63 at-bats. You figure Jackson's due for a good outing. Maybe the familiar surroundings will help.
Chris Sale's only career appearances against the Cubs were two relief outings in 2011. Current Cubs are 1-for-10 (a single by Luis Valbuena) against him. In short, we are headed to certain doom.
Today's game is on WCIU. It's also on CSN Chicago with the Sox announcers. This is the only game of the series NOT on WGN. The CSN broadcast should be available via MLB Extra Innings, for those of you who live outside the Chicago market. WCIU games are also generally available on the following channels: Springfield/Decatur/Champaign WCIX 49.2, Peoria WAOE 59.1, Des Moines WHO 13.2, Quad Cities (Davenport/Moline) WQAD 8.2 or 8.3, Ft. Wayne WANE 15.2 and South Bend, WMYS, 69.
Here is the complete MLB.com Mediacenter for today.
Baseball-reference.com game preview
Please visit our SB Nation White Sox site South Side Sox. Be careful over there, though.
Here's the scoop on game threads for 2013. You'll find the game preview -- like this one -- posting as the first link in the StoryStream™, which will then contain all the overflow threads and the recap. The recap will also be on the front page as a separate post; once I post a game recap, the stream for each game will be retitled "Cubs vs. (Team) (Day of Week) Game Threads" so you can go back and find every thread related to that particular game.
In general, game previews will post two hours before game time. Exception: for day games after night games, that will usually be 90 minutes.
You will also be able to find the First Pitch Thread and all the overflow threads in the box marked "Chicago Cubs Game Threads" at the bottom of the front page (you can also find them in this section link). They will also appear in this StoryStream™. As I've done for each regular-season game for several years now, we'll have the First Pitch thread at five minutes before game time (moved up from actual game time per your requests), then an overflow one hour, two hours and 2:45 after game time.
Discuss amongst yourselves.


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Continuous forest, abandoned mine portals, rivers, and streams provide habitat for a diverse and nationally significant variety of amphibians. Nearly 50 species of amphibians have been documented at New River Gorge National River. Species of special concern that are believed to occur within the park include the eastern hellbender and black-bellied salamander. Wood frogs, spring peepers, and red spotted newts are all commonly seen throughout the park. The southern Appalachian Mountains contain the most diverse salamander populations in the world. With 34 different species, West Virginia is home to more species of salamanders than almost any other state. Amphibians are important indicators of the health of the environment. With their permeable skin, gelatinous eggs, and gilled larvae, they are prone to absorb pollutants from water and soil into their bodies. A diverse population of amphibians can be a good indicator of a healthy ecosystem. |
Did You Know?
The New River Gorge was logged extensively thoughout the past century. The landscape is now recovering, with the park ecosystem returning to its more natural state, but there are still plenty of signs of the past activities.


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- Students must complete a minimum of 45 credits of Liberal Studies coursework.
- Students must complete 48 credits of upper-level coursework. Thirty-nine of the 48 credits must be at the 300 level or higher, and the additional 9 credits may include courses requiring a 3 credit prerequisite. At least 24 of the 48 credits must be completed at SRU.
- Students must complete at least half their major (15 credits minimum) in 300 or higher level courses.
- Students must complete at least 50% of the coursework within their major department at a PASSHE university.
- Undergraduates may not have a total of more than 6 repeated courses during their entire academic career. In addition, no one course may be repeated more than 3 times.
- Bachelor of Arts (BA) degrees require language proficiency at the 103 class level. Exemption by placement or examination is possible. Language courses used to satisfy the BA requirement may not be used in the Goal section of the Global Community block of the Liberal Studies program.
- Students must complete at least 60 credits at SRU to be considered for Latin Honors at the time of graduation.
Transfer HomeCourse EquivalenciesAdmissions RequirementsTransfer ProcessTransfer PoliciesCosts & Financial AidMilitary Educational BenefitsTransfer Student Housing OptionsGraduation RequirementsMajors and MinorsCommunity College Student InformationSchedule a Transfer VisitSRU Visits Near You"How to" Transfer VideosTransfer Success StoriesMeet the Transfer Counselors
On-Campus HousingOn-campus housing is not guaranteed for transfer students. In order to request housing, you must have your SRU user ID, which is generated once your enrollment deposit is processed. VisitResidence Life's websitefor more information.Office of Undergraduate AdmissionsSlippery Rock University1 Morrow WaySlippery Rock, PA 16057Phone: (724) 738-2015Fax: (724) 738-2913


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Farming Home
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Tim, Defender of the Earthby Sam Enthoven
Synopses & ReviewsPublisher Comments:Tim, Defender of the Earth, is a rock-em, sock-em thriller filled with smoke, spectacle, and big-time adventure. Big Ben will fall Westminster Abbey will crumble London will never be the same.
TIM, aka Tyrannosaurus: Improved Model, is the product of a top-secret government military experiment, and he couldn't be more lovable. Sure, he's an enormous monster to most, but at heart he's just a big, awkward, thirteen-year-old who realizes he could be all that stands between the earth and total destruction. (Take that, Godzilla.) Now TIM must form an unlikely alliance with fifteen-year-olds Chris and Anna in order to save humanity from the greatest threat it has ever known: Anna's father, the brilliant and demented Professor Mallahide, and his growing tide of vicious, all-consuming nanobots. Will TIM prevail and save the British Isles and the world from evil? We'll all have to hold hands, read, and believe in TIM, Defender of the Earth. Review:"This fun, action-driven, science fiction tale will be snapped up by restless boys who can never find books written just for them." Library Journal
Review:"This is not quite up to M. T. Anderson's Whales on Stilts! for sheer zaniness, but it should draw and amuse the same audience." Booklist
Review:"Reluctant readers will enjoy the fast pace of the book." VOYA
Review:"Enthoven previously demonstrated his wild imagination in The Black Tattoo. Here there's less horror and more humor, along with lots of action." KLIATT
Review:"This fun, action-driven, science fiction tale will be snapped up by restless boys who can never find books written just for them." School Library Journal
About the AuthorSam Enthoven fulfilled his dream to become an internationally published author of fantastical action thrillers for young people with his rollicking 2006 debut The Black Tattoo.
What Our Readers Are SayingBe the first to add a comment for a chance to win!Product Details
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"Good printer, however..."
4.5 starson by gwzapPros: Good print quality, Wireless works great, decent features for the money
Cons: Install manual needs to be re-written, Installation software needs to be tweaked
Summary: Look, I've used HP printers for practically 10 years, and I've used Lexmark, Epson, and Canon, but the install sofrware needs work. I can't believe how poorly the install instructions are written. With all the resources available to HP, they can do better. That being said, the print quality is crisp, color quality is very good, and duplex and wireless features work as advertised. Aside from the install, the printer does its job well.
- 2 replies to this review
I too have been using HP for so long that I my usual fear of change. Really just want a new printer that is wireless, if they work with just a laptop. I have become computer illiterate after a long illness and find myself in a new world. Need something that is user friendly. What about the install? Why was it diffiucult? Hard for you may be impossible for me. Thanks. firstname.lastname@example.com
What OS do you have?


text:
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Off-Campus Dining: Not too many places have vegetarian/vegan options but that is starting to change. Also harder to find organic options if that is your thing.
Off-Campus Dining: Not many choices of foods to choose from
Off-Campus Dining: Lots to choose from; some restaurants are walking distance while others are within 5 mile radius.
Off-Campus Dining: Few places for dining off-campus. Few student discounts and stuff.
Off-Campus Dining: It would be great if there were more things open late! Studying all night and not having a good place to go to sucks sometimes!!
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Bank regulators have been paying close attention. In October, the Office of the Comptroller of the Currency issued new underwriting and disclosure rules designed to protect consumers from risky loans they don't understand. These new standards, along with the weakening housing market, have had a chilling effect on some big option ARM lenders: Washington Mutual Inc.'s (WM
) volume fell 29% in the third quarter from a year earlier, to $11.6 billion, while Countrywide Financial Corp.'s (CFC
) originations dropped 48%, to $14.9 billion.
But that doesn't mean option ARMs are going away. According to Desmond Macauley, a managing director of RBS Greenwich Capital, a brokerage and research shop, option ARMs made up 15% of mortgage originations in the first half of this year, up from 8% last year. And much to regulators' chagrin, most of that volume has come from new players that don't fall under the purview of the OCC: investment banks, real estate investment trusts (REITs), private equity players, and other mortgage outfits eager to make option ARM loans and then sell them off to professional investors.
Mortgage REITs have been feasting on exotic mortgages lately. American Home Mortgage Investment Corp. (AHM
), for instance, originated about $5.4 billion of option ARMs in the third quarter of 2006, making it the No. 7 option ARM lender behind Countrywide, Golden West, and Washington Mutual. Analyst David C. Stumpf of A.G. Edwards Inc. in St. Louis notes that American Home's underwriting standards seem solid so far. But he worries that its independent sales force of brokers may not be explaining the risks well enough to their customers. "There is no question that the risk profile is elevated," he says. American Home Mortgage declined to comment.ENTER WALL STREET
General Motors Corp.'s (GM
) mortgage financing business has also been a huge player in option ARM lending lately. Its Homecomings Financial unit alone increased its volume to $1.6 billion in the third quarter, up from $769 million last year. GMAC is set to be sold to New York private equity firm Cerberus Capital Management and other investors, where it will stay outside the OCC's reach. GMAC says it makes sure consumers know the risks and that it lends only to strong borrowers.
Wall Street is getting into the game, too, by acquiring mortgage lenders. Merrill Lynch (MER
) on Sept. 5 bought First Franklin Financial from Cleveland-based National City (NCC
). Morgan Stanley (MS
) on Aug. 9 agreed to buy subprime underwriter Saxon Capital Inc. (SAX
). Others are on the block, including H&R Block's (HRB
) Option One unit. The Street's goal: to obtain pipelines of mortgage loans they can sell directly to investors.
For now, it's working. "There's a tremendous amount of cash in the marketplace searching for return," says Jim S. Fowler, director of research at JMP Securities, a boutique investment bank in San Francisco. Adds Frederick Cannon, an equity analyst for New York-based Keefe, Bruyette & Woods: "From a pure profitability standpoint, these loans still look pretty good to these people." But, he says, "it's interesting that the people who know this product best are scaling back."
The biggest worry for consumer advocates is the market's shift from regulated to unregulated players. Now it's up to individual states to rein in option ARMs. Says OCC Chairman John C. Dugan: "The issue is whether states will adopt the nontraditional mortgage guidance in the same form as the federal agencies. If they do, will they implement it in the same way? There could well be a significant gap." By Mara Der Hovanesian


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Notable Two Hundred Day Moving Average Cross - TLK
In trading on Tuesday, shares of P.T. Telekomunikasi Indonesia (TLK) crossed below their 200 day moving average of $41.78, changing hands as low as $39.86 per share. P.T. Telekomunikasi Indonesia shares are currently trading off about 5.9% on the day. The chart below shows the one year performance of TLK shares, versus its 200 day moving average:
Looking at the chart above, TLK's low point in its 52 week range is $30.98 per share, with $50.61 as the 52 week high point — that compares with a last trade of $40.23.
According to the ETF Finder at ETF Channel, TLK makes up 6.79% of the Indonesia Index ETF (IDX) which is trading lower by about 3.3% on the day Tuesday.
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text:
Definition of phylloclade in English:
Line breaks: phyllo|cladePronunciation: /ˈfɪlə(ʊ)kleɪd
Botany- A flattened branch or stem-joint resembling and functioning as a leaf.More example sentences
- The erect or pendent inflorescence, usually inserted below the abscission layer, arises from the rhizome in some groups, while it is merged into the leaf blade in others, resembling a phylloclade as in Ruscus.
- The variation in some vegetative (climbing shoot, second-order branches or 'phylloclades') and sexual (inflorescence and flowers) characters was analysed in 115 plant specimens.
mid 19th century: from modern Latin phyllocladium, from Greek phullōdēs 'leaf-like', from phullon 'leaf'.
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Word of the day
Pronunciation: ˈɒrə(ʊ)tʌnd
(of a person's voice) resonant and imposing


text:
MoMA Nights
Thursday, April 1, 2010, 5:30–8:45 p.m.
The MoMA Nights 2013 music series includes indie acts selected by MoMA's PopRally committee, and concerts related to the exhibitions Soundings: A Contemporary Score and American Modern: Hopper to O'Keeffe.
Set begins at 6:30 p.m. Regular Museum admission applies. In the event of rain, the Sculpture Garden will close, and music will take place in Theater 1 or Theater 2. Please note: Sculpture Garden and indoor seating are limited and on a first-come, first-served basis.
Tonight's DJ:
DJ Pepe
Having started his career in radio, DJ Pepe is no stranger to the art of spinning records. Musically, he moves between 1970s African sounds, Mexican electro-cumbia, dusty Turkish funk, Brazilian clasico, Brooklyn-brewed beats and club-friendly brass music. Since moving to NYC from his native Istanbul a decade ago he has played out his global folk and electronic sounds at a variety of parties and dance events, including Turntables on the Hudson, Brooklyn Museum's First Saturdays series, and the NY Gypsy Festival Boat Party. Over the years he has appeared on WKCR, WNYC, WFMU, and East Village Radio, and he continues to produce world music concerts and festivals in New York.
Tonight's prix fixe dinner menu (includes one item from each course):
Spring Pea Salad
Arugula, Mint, Shaved Parmigianino, Crispy Pea Shoots
Pan Seared Crab Cake
Cucumber, Tomato and Basil Salad
Grilled Salmon
Fava Beans, White Beans, Roasted Mushroom, Tarragon Broth
House Made Ricotta-Filled Ravioli
Charred Ramps, Organic Tomato
Almond Cake
Roasted Rhubarb, Vanilla Compote
Chocolate Espresso Crème Brule


text:
Ellen Goodman
If I had to pick the year attitudes turned against smoking, it would be 1994, when seven CEOs of Big Tobacco came before Congress and swore that nicotine wasn't addictive. I have begun to wonder whether this is the summer when the (groaning) tables have turned on the obesity industry. (Full article: 680 words)
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Honda Civic 06-10 Extended Warranty for Defective Paint
Last edited by corenom; 10-09-2012 at 09:37 PM..
Fixed letter http://i.imgur.com/y39Fz.jpg
I think those years already have an extended warranty on a cracking engine block or something. Might as well extend it on the whole car now. Can't recommend hondas anymore. Not just reliability, but their styling looks like they switched places with gm designers of the 90s, and now the domestics have better styling.
i had a Chevy Cruise rental for a couple of days and im now a firm believer that the domestics have a product worth owning. I took that car and put it thru its paces on hwy1 around sharp hair pins and fast switch backs and the car was just a pleasure to operate. its little turbo motor is more then capable of delivering power, the transmission was kept in auto mode and was never caught in the wrong gear while the suspension was perfect at keeping the car stable. then add in all the standard features, and Honda and Toyota start looking dated Since then i have recommended friends and family in the market for a new car to 1st check out the Chevy lineup and compare it to everything else |
Do you forgive a thief if he apologizes and returns some-what equivalent good, that was yours to begin with? Only if he's Honda, apparently. Still loving that VTEC power.
Come back in 10 years and let us know how it worked out for you and the people you recommended them to. (Signed- A guy with a 22 year old Civic sitting in his driveway that has required minimal maintenance/repairs during it's lifetime.) Last edited by timta2; 10-09-2012 at 11:06 PM.. |
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Year | Make | Model | Style | Type | |
Welcome to Southern Tire Co.
Southern Tire Co. in Tampa, FL has been your trusted local tire and automotive repair shop for 50 years. Family owned and operated in the same great location. At Southern Tire Co. we treat people the way we want to be treated, and we take pride in the work that we do. Our reputation shows that we only sell our customers what they need and aim to provide everything they want. We offer many
different brands and are a certified dealer of major brands like Michelin®, BFGoodrich®, and Goodyear. We stock tires for all types of vehicles. If you're not sure what you're looking for use our intuitive search bar. We also have a convenient tire fitment guide. Or better yet give us a call (813)839-7320.
If you're in need of automotive repairs, Southern Tire Co. is here to help. We offer a wide range of services including: oil changes, brakes and rotors, alignment, and tire repair just to name a few. To be sure we are meeting industry standards
we are constantly upgrading equipment, training on the latest products, and evolving for customer satisfaction. Stop in today and let our reputation precede us! We look forward to working with you.
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Sat | 7:30 a.m. | 1:00 p.m. |
Sun | Closed |


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Start Here: Doing Hard Things Right Where You Are
"Do Hard Things" inspired thousands of young people around the world to make the most of their teen years. Now the Harris brothers are back and ... Show synopsis
You're signed up (and we ♥ you). Watch for our Welcome e-mail and your first coupon. Thanks!


text:
Cancel a process
To stop a runaway job or a process that never started this is the process to follow:
GO > PeopleTools > Process monitor
Once the monitor opens up you will see your ID in the Operator ID field.
Click to Enlarge
Scroll down through the listing of your jobs and when you find one that is "stale" (over a week old) and it is in a status of queued, processing, initiated or error it needs to be stopped. Double click on the job and a window will display.
Select the cancel option from the right hand column of "Update Process" and click Apply on the bottom right.
When you go back to the main process monitor and "kick the dog" it will refresh the status for you to cancelled. If you want to remove it entirely you can select it again and repeat the process but this time choose delete. Then click the Apply button on the bottom and refresh the screen.
How to Create Requisitions
Budget Issues
How to...
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text:
(p. pr. & vb. n.) of Convulse.
Int. Standard Bible Encyclopedia
kon-vuls'-ing (Mark 1:26 margin (the King James Version torn)).See UNCLEAN SPIRIT.
Convulsing (2 Occurrences)
Mark 1:26 The unclean spirit, convulsing him and crying with a loud voice, came out of him. (WEB RSV)
Mark 9:26 Having cried out, and convulsed greatly, it came out of him. The boy became like one dead; so much that most of them said, "He is dead." (See RSV)


text:
Dietrich Fischer-Dieskau Lyrics
Overview / Lyrics (see all) / Photos / Videos / News
Winterreise D 911, Op.89: Letzte Hoffnung Lyrics
"Winterreise D 911, Op.89: Letzte Hoffnung" is track #16 on the album Schubert: Winterreise.
"Winterreise D 911, Op.89: Letzte Hoffnung" is track #16 on the album Schubert: Winterreise.
For Example...
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Ugly Xmas Sweaters
70s -No Label- Womens navy blue polyester knit short sleeve dress. Decorative diamond shaped embroidery surrounded by beadwork on the front with round neckline and back zipper closure.
Sorry, this item has SOLD View other Womens 60s-70s Dresses - Knit
40Bust 37Waist 40Hip
Very Good Condition
Approx Shipping Weight 1.52 lbs.
Item No. 119950


text:
Veronica Ray
Technical Project Management, Self-Learning Software Engineering And iOS Applications, Oh My
I went into this class with some preconceptions about how an ideal project manager should act. I learned that the reality was more complicated.
By Veronica Ray (Senior, Duke University)
This semester, I took a Computer Science course at Duke called Apps: From Concept to Client. My three-member team worked on a native iPad application for Visualizing Venice, an interdisciplinary collaboration
The Right Startup Culture For Me
At startups with more female employees, Nerf battles, wrestling matches and beer guzzling are not the only ways to have fun at the office.
By Veronica Ray (Senior, Duke University)
During my summer internship in San Francisco, I began to seriously think about the startup culture that suits me best. I met with other students involved in my internship program on Wednesdays and we had the opportunity to meet with a variety of executives from technology companies in the Bay Area. Russell Glass, CEO of B2B marketing company Bizo, especially inspired me. I wondered why Bizo sounded like an exceptional place to work and other companies didn't.
Next spring, I will graduate from college and seek a full-time job in a tech startup in San Francisco. These are critical elements in a startup I want to work at and/or found:
My First Hackathon: iOSDevCamp 2012
While I didn't have a clear output to show for my efforts, I made the complexity of the task apparent. I got to know the people working on projects in the same room. Most importantly, I became inspired to learn more about CSS3.
By Veronica Ray (Senior, Duke University)
I'm a rising senior at Duke majoring in Public Policy.
I took my first Computer Science class this past spring and did web development over the summer for Y Combinator startup Jellyfish Art in San Francisco. This fall I'm taking a class on iOS development and another on web application development. I was hired as a part time web developer for Jellyfish Art for the upcoming school year. I will return to the Bay Area when I graduate.
My first hackathon was iOSDevCamp at PayPal/Ebay headquarters on July 20-22, 2012.


text:
We'd let her demand us any day.
Sasha SMASH!After much chest thumping, we've finally come up with our top movies of 2009.
Read NewsSteven Soderbergh's The Girlfriend Experience.
Read ArticleSoderbergh Likes 'Em Young and Grey
Read NewsNow that Steve Carell is the new Jim Carrey and NBC's "The Office" is a prime-time hit the next...
Read News


text:
Product Type: Shower curtain | Material Details: Woven polyester |
Parts Needed: Hooks | Product Warranty: 30 days |
Color: Gray | Additional Parts Required: Yes |
Material: Fabric | Number of Items Included: 1 |
Water Repellent: Yes | Mildew Resistant: Yes |
Fade Resistant: Yes | Pattern: Nature/Floral |
Number of Hook Holes: 12 | Stitch Reinforced Hook Holes: Yes |
Hooks Required: Yes | Reinforced Top Hem: Yes |
Topstitched: Yes | Washing Care: Machine wash |
Drying Care: Tumble dry | Eco-Friendly: Yes |
Country of Manufacture: United States |
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text:
Social capital and snake oil
No abstract is available for this item.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.As the access to this document is restricted, you may want to look for a different version under "Related research" (further below) or search for a different version of it.
Bibliographic Info
Article provided by Springer in its journal The Review of Austrian Economics.
Volume (Year): 21 (2008)
Issue (Month): 2 (September)
Pages: 199-207
Contact details of provider:
Web page: http://www.springerlink.com/link.asp?id=100335
Related research
Keywords: Social capital; Group identification; A1; B52; B53; C92; D60; Z1;Find related papers by JEL classification:
- A1 - General Economics and Teaching - - General Economics
- B52 - Schools of Economic Thought and Methodology - - Current Heterodox Approaches - - - Institutional; Evolutionary
- B53 - Schools of Economic Thought and Methodology - - Current Heterodox Approaches - - - Austrian
- C92 - Mathematical and Quantitative Methods - - Design of Experiments - - - Laboratory, Group Behavior
- D60 - Microeconomics - - Welfare Economics - - - General
- Z1 - Other Special Topics - - Cultural 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.:
- Alesina, Alberto & La Ferrara, Eliana, 2005. "Ethnic Diversity and Economic Performance," Scholarly Articles 4553005, Harvard University Department of Economics.
- Shaun P. Hargreaves Heap & Daniel John Zizzo, 2009. "The Value of Groups," American Economic Review, American Economic Association, vol. 99(1), pages 295-323, March.
- Peter Leeson & Christopher Coyne & Peter Boettke, 2006. "Converting social conflict: Focal points and the evolution of cooperation," The Review of Austrian Economics, Springer, vol. 19(2), pages 137-147, June.
- Luigino Bruni & Luca Stanca, 2005.
"Income Aspirations, Television and Happiness: Evidence from the World Value Surveys,"
Working Papers
89, University of Milano-Bicocca, Department of Economics, revised Jun 2005.
- Luigino Bruni & Luca Stanca, 2006. "Income Aspirations, Television and Happiness: Evidence from the World Values Survey," Kyklos, Wiley Blackwell, vol. 59(2), pages 209-225, 05.
- Christopher Coyne, 2005. "The Institutional Prerequisites for Post-Conflict Reconstruction," The Review of Austrian Economics, Springer, vol. 18(3), pages 325-342, December.
- Shaun Hargreaves-Heap & Yanis Varoufakis, 2002. "Some Experimental Evidence On The Evolution Of Discrimination, Co--Operation And Perceptions Of Fairness," Economic Journal, Royal Economic Society, vol. 112(481), pages 679-703, July.
- Chaim Fershtman & Uri Gneezy, 2001.
"Discrimination In A Segmented Society: An Experimental Approach,"
The Quarterly Journal of Economics,
MIT Press, vol. 116(1), pages 351-377, February.
- Fershtman, C. & Gneezy, U., 2000. "Discrimination in a Segmented Society: an Experimental Approach," Papers 2000-9, Tel Aviv.
- Sara Connolly & Shaun P. Hargreaves Heap, 2007. "Cross Country Differences in Trust in Television and the Governance of Public Broadcasters," Kyklos, Wiley Blackwell, vol. 60(1), pages 3-14, 02.
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Annual Sakura Matsuri Japanese Street Festival opens
WASHINGTON (AP) - The annual Sakura Matsuri Japanese Street Festival is opening on Pennsylvania Avenue for the last weekend of the National Cherry Blossom Festival.
The Japan-America Society of Washington is hosting the 53rd annual festival on Saturday. It runs until 6 p.m. and features food, arts, performances and martial arts demonstrations. Admission is $5 for people 13 and older.
This year's festival will also features 20 Japanese exchange students who were affected by the 2011 Japan earthquake and tsunami. They will be speaking about Japan's recovery and their personal experiences.
The students are in Washington through May as part of a cultural exchange. They came to the U.S. to receive English language training, to complete internships and to talk about Japan's recovery.
Would you like to contribute to this story? Join the discussion.
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so bad.. asking a nice guy for a interview.. ofc he wil say yes does not mean he wanted to do the interview as any1 could see he was uncomfortable....
So fking sad... Navi got that final game in the bag, and then one wrong decision...
Jesus christ, Gamespot, leave him alone; he clearly doesn't want to talk, especially about the game.
I literally cried my heart out, I hope alliance burn in hell for their rat ass doto..... fight like men no alliance will ever do... but what they did is part of the game.....sigh
@SolidSymphonia this was not directly after the match. This was at least an hour after. Also he was ok with it. I would never force a player to do an interview. We asked he said ok. Also, valve was taking him to dinner and they said it was ok to do the walk and talk because they didnt want us to hold him down in a spot for another 5-10 min. I get that its rough, but if eSports wants to be bigger this is a part of it. I am sad for Dendi as well but I'm happy he was willing to talk to us.
@MassDeparture1 They played fantastically and won the game on two separate moments of quick thinking by s4 (talking of the last game strictly, and not their massively successful campaign). They earned it.
Like I said, it is part of the game that has to be accepted, theres an advance loop hole in the theory but im not going to go into that much detail with children nearby
@ThunderSly @MassDeparture1 @iHarlequin No they wouldn't have won if they pushed all lanes and then mid, Alliance knew they were weak and didn't want to fight head on so that's why they kept split push pressure.
Even though Navi outplayed them in teamfights, Alliance outplayed them in overall strategy. Plus they won winner brackets on top of that too.
@MassDeparture1 @iHarlequin Its like Dendi said if they had pushed all the lanes then mid they would have won! They had aegis and a huge advantage... Im sad for Dendi I hope they cheer up and keep impressing us with the high level of play that they show :D


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BeerAdvocate on your phone?! True story. Try the beta now.
Tickets for American Craft Beer Fest are on sale now! (May 30 & 31 in Boston, MA)
Founders Deca 10th Anniversary - Founders Brewing Company
Displayed for educational use only; do not reuse. |
Ratings: 96 | Reviews: 75 | Show All Ratings:
5/5 rDev +19.3%
look: 5 | smell: 5 | taste: 5 | feel: 5 | overall: 5
Thanks to my good friend and fellow BA Kipling for snatching this up, and cellaring it for me for the better part of a year. It pours a cloudy brown color. The head is a quarter inch in height, and recedes quickly into sparse lacing, which is fine for a cellared barleywine. The aroma is so brash in both malt and hops that it is balanced. Caramel, anise, dates, plums, and fiery hops. It lights my nose on fire. The taste is full of malt upfront with caramel and toffee. Anise, dates, plums, and alcohol are present in the finish. The mouthfeel is full bodied with moderate carbonation, and a silky texture. Overall, this is one of the most complex beers I have every taste. It is a big beer that has a lot of subtle nuances, and tons of depth. I am glad I had the opportunity to taste this.
Serving type: bottle
05-13-2008 01:20:06 | More by KarlHungus
4.22/5 rDev +0.7%
look: 4 | smell: 4 | taste: 4.5 | feel: 4 | overall: 4
Poured from my cellar. Thin head. Amber in color. Smells sweet with a hint of booze. Taste is also fairly sweet with a bit of fruit in there; reminds me more of an English barleywine than an American. Mouthfeel is smooth for the ABV of 13%. ABV is detectable but this is a very drinkable big beer. Recommended. Thanks to fartingdog for this brew in a trade a while ago. I just dealt with 90 minutes of whiny crying children & this hits the spot.
Serving type: bottle
05-01-2008 23:26:23 | More by SkinnyElvis
South Carolina
4.47/5 rDev +6.7%
look: 4 | smell: 4 | taste: 4.5 | feel: 4.5 | overall: 5
I received this gem in a BIF sometime last year, and I had it sitting in the cellar ever since. Well I happen to notice it last week and decided to put it in the fridge to drink sometime down the road. After a long day, I came home and wanted something a little stronger this evening, so I decided to go with this one, as well it looked like it had the cure for how I felt.
Appearance - The pour was rather nice with a dark brownish amber with some nice highlights of a honey color laced in throughout. Very nice color, and nearly opaque from all the haze and cloudiness that was interspersed throughout. A smallish, maybe an inch high of off white colored foam came over the top of the glass. It hung around for a good couple of minutes before settling down to a thin film that stayed throughout the rest of the session. Very nice overall presentation, with a little bit of side glass lace throughout.
Smell - The aroma was rich and very sweet. What surprised me was there was no sense of alcohol in here at all, none, with a very sweet malt character to it. Lots of caramel and honey were all over this one, and blending in nicely with hints of cloves and grasses. Very mellow aroma overall with nothing really standing out or becoming overly heavy in any way. Just a very solid offering so far.
Taste - The flavor was soo mellow, and the alcohol soo well hidden I almost did not know what to do wit myself. This was literally tremendous in its nature, but its actuality was just sublimely mellow. A very nice honey soaked raisin like menagerie of earthy sweet flavors just opened up all around. Just richly complex and subtle, I am in awe with how well this was made. It is a phenomenal barley wine. Started out with a huge rush of caramel flavored toffee that was equally as sweet as it was mellow. Some nice underlying grains in the back really coming through, and all evidence of the 13% ABV is gone. This was almost too good to be true. Complex and earthy. There was a nice bit of light yeast flavors, some apples maybe, but this was mostly sweet bready malts we were dealing with here, and very good ones at that. A slight bit of a grassy hop note in the finish, but not too drying, was leaving a nice long lasting sweetness in the profile.
Mouthfeel - Really a lot of quality here with a rich thick Mouthfeel that was really just about perfect, a little more carbonation and it would have been. Thick, almost like a syrup in its consistency, it really drank like a true barley wine. Not slick at all, but very thick in the feel.
Drinkability - Here I would have to say that this was outstanding. This is a 13% barley wine, which drank like it was about 7%. I really never did detect any alcohol in it any way shape or form, it was just that good. I struggled not to drink this one too fast, as I found my sips getting bigger and bigger with each passing minute, really exceptionally drinkable.
Overall, I thought this was more then worthy from Founders. It was harsh and in your face like some other of their brews are, rather it took the subtle route to get your attention, and boy did it ever. I would love to get another one of these to see what a year or two could do to it. If you can find this one, get a hold of it now, its worth it.
Serving type: bottle
04-19-2008 14:11:23 | More by mikesgroove
3.63/5 rDev -13.4%
look: 4 | smell: 4 | taste: 3.5 | feel: 3.5 | overall: 3.5
Pours to a dark brownish amber body that is almost opaque. A strong pour creates an inch and a half of perfect tan head leaving scattered rocky lace as it slowly fades. Nose is a sweet and spicey mix with notes peppery yeast, cane sugar, and glazed raisens. First sip yeilds a syrupy sweet consistancey that has prune or raisen thickness to it. You also get a musty sappy hop feel that reminds me of a sweeter double IPA. Mouthfeel is a thick hue with an odd combination of honey and coriander like spices. Alchol is very well hidden for 13%, and only shows itself like a bit of cough syrup. Drinkability is good for such a beast of a beer but half a bottle will do nicely.
Serving type: bottle
04-01-2008 23:15:14 | More by SPLITGRIN
4.08/5 rDev -2.6%
look: 4.5 | smell: 4 | taste: 4 | feel: 4.5 | overall: 4
Reading the lable, I beleive that it may have been characterized wrong on this site. The bottle suggests that Belgian yeast was used along with American yeast, which explains a strong phenolic and ester content, but with a super crisp, cracker-like malt character. Otherwise, the beer has big, bold flavors of toffee, molassas, barley and an overall heavy sweetness. A very toasty, bready base gives the beer a lot of thickness and body. An underlying berry-like and apple tartness gives the beer a thinning, drinkable quality. The 10.5 percent alcohol is hidden well in the viscocity and ultimate sweetness. Although not overly complex, it drinks easy and has a very desirable crispness in the end. Thanks Nathan15.
Serving type: bottle
01-28-2008 20:36:05 | More by BEERchitect
New York
3.83/5 rDev -8.6%
look: 3.5 | smell: 4 | taste: 4 | feel: 3.5 | overall: 3.5
The first pour was a hazy red hued caramel color without a head and no lacing, but the last, warmer snifter, when poured aggressively yielded a full finger loose light tan head. A couple of seconds after the pour a thin film of bubbles manages to momentarily stir to the surface. It smells rich and syrupy; caramel malt and maple syrup. The mouth feel is very heavy and syrupy with negligible carbonation. Full flavored, the caramel and honey taste finishes with a salty aftertaste. Definitely a sipper. I really appreciate FFF producing something special to let us all celebrate this significant anniversary.
Serving type: bottle
01-27-2008 16:24:58 | More by jjayjaye
4.38/5 rDev +4.5%
look: 4 | smell: 4 | taste: 4.5 | feel: 4.5 | overall: 4.5
a: This beer is a hazy brown with amber hilights. Pours with a minimal tan head.
s: I found some perfumed hop, sweet malty vanilla, plum esters, and some odd spices I could not identify. (coriander, cinnamon?)
t: Quite a lot going on here, this one is difficult to describe. I tasted some sour prunes, vanilla, a delicate floral hop, and again those spices I could not identify. This tastes a bit like barleywine/quad hybrid. Give Founders a lot of credit for trying something new.
m: Very good body on this one, plenty of foamy carbonation even if there was no head.
d: Big thanks to hoppymeal for the chance to try this one. I might want to track down another bottle for aging. A truly unique offering from Founders that is well worth seeking out.
Serving type: bottle
01-02-2008 21:06:19 | More by DIM
4.15/5 rDev -1%
look: 4 | smell: 4.5 | taste: 4 | feel: 4.5 | overall: 4
A-Thin tan head on a kind of clear deep ruby color.
S- Big sweet malts, toffee, alcohol, dark fruits, cherries, bread, and brown sugar.
T- Really sweet caramel and toffee body, alcohol, dark fruits, bread, big esters. Just a really sweet and caramel beer. Hint of spices and medium bitterness on tongue from some grass hops. Alcohol warms back of throat with a gentle warmth. It seems complex but isn't to once you figure everything out. I think it would be better after 2-5 years.
M- Full chewy body with low carbonation.
D- Like I said it would probably be better in 2-5 years but is still good now. I would almost expect more from Founders for their 10th. Still good beer though.
Serving type: bottle
01-01-2008 07:37:19 | More by BlindPig
Ontario (Canada)
4.72/5 rDev +12.6%
look: 4.5 | smell: 4.5 | taste: 5 | feel: 4.5 | overall: 4.5
Christmas tasting with biegaman and grub, luckily we were joined by ThatWineGuy who pulled this monster out of the cellar.
Pours a hazy amber/orange, thin off white head forms, quickly settles down to a thin ring, drops some lace spots on the glass. Smell is amazing, tons of toffee, alcohol, wood, fruit, dates, more toffee, this one is super caramelized, very rich. Taste is amazing as well, dates, very insane toffee, citrus, floral, some alcohol, nice hoppy caramel finish, very solid bitterness, very rich and caramelized. Mouthfeel is medium to full bodied with low carbonation, very thick and coating in the mouth, alcohol is superbly hidden, never would have thought this is 13%. Fantastic American Barleywine, I think my favourite this far. Thanks a ton Ron!!
Serving type: bottle
12-28-2007 01:39:28 | More by Viggo
Ontario (Canada)
4.68/5 rDev +11.7%
look: 4 | smell: 5 | taste: 4.5 | feel: 4.5 | overall: 5
christmas tasting hosted by biegaman on dec 15/07. ThatWineGuy contributed this one. thanks ron!
22oz bottle.
pours red, nearly brown, with just a few tiny bubbles around the edges. no lace.
aroma is amazing. huge caramel blast. alcohol. big bread and biscuit malts. light pine. the big blast of caramel and alcohol just screams american barleywine. i don't even need to drink this one, but you know i want to.
taste is great. huge caramel. bit of alcohol - but more like 9% than 13%! big biscuit and bready malt. light grapefruit and pine. light tangerine. bit of sweetness in the caramel, but in perfect balance. tiny bit of minty/herbal character coming through in the finish. medium bitterness level.
mouthfeel is excellent. medium-low well integrated carbonation level. super smooth. nice medium-large body.
drinkability is great. perfect balance. you can tell there's alcohol in there, but not the full 13%. the huge malt is excellent and has some great depth. this is great stuff.
Serving type: bottle
12-19-2007 18:10:05 | More by grub
New York
3.88/5 rDev -7.4%
look: 3.5 | smell: 4 | taste: 4 | feel: 4 | overall: 3.5
The beer pours a cloudy dark gold, almost brown color with a 1/4" offwhite head that slowly fades to lacing. The aroma is good. It has a sweet malty scent that boasts of lots of pale malts and a touch of crystal malts. It's warm and inviting. The taste is good. It has a warm, malty flavor that goes down slow and easy and finishes bitter with some residual malt sweetness. The Belgian yeast is evident, but I'm not sure it's a good character. The mouthfeel is fine. It is a full bodied beer with adequate carbonation. This isn't my favorite barleywine, but it's a good drinker. It's got some unique character that makes it a worthwhile choice.
Serving type: bottle
12-03-2007 23:20:06 | More by WesWes
3.45/5 rDev -17.7%
look: 3.5 | smell: 4 | taste: 3.5 | feel: 3 | overall: 3
22oz bottle purchased as a single from Julio's, Marlboro, MA.
Poured into a heavy glass chalice, formed a scant 1/8" tan head over the slightly cloudy burgundy brew. Head is down to swirl quickly, with minimal fleeting lace. Aroma is sweet, fruity alcohol. Taste starts heavy on the sweetness, almost cloyingly so, giving way to the fruit, and then alcohol flavor and warming on the close. Mouthfeel is too syrupy for my tastes, and drinkability is limited by same. An interesting anniversary brew, but probably not one I'd search out again.
Serving type: bottle
11-06-2007 01:20:42 | More by ppoitras
4.5/5 rDev +7.4%
look: 4.5 | smell: 4.5 | taste: 4.5 | feel: 4.5 | overall: 4.5
Poured clear and golden brown into a goblet.
Sweet aroma.
Wasn't sure if this was intended as a quad or barley wine -- because of the spices its a barley wine with some complex belgian overtones. There was nice toffee sweetness up front, and I got a hint of pine. Maybe a little dry spicing at the end (pepper and coriander) but just a bit.
This is a really top notch beer from Founders. We'll be getting another for cellaring!
Serving type: bottle
09-30-2007 23:23:17 | More by 4thoseabout2bock
3.33/5 rDev -20.5%
look: 4 | smell: 3 | taste: 3.5 | feel: 4.5 | overall: 2.5
Pours dark amber with little head. Aroma is first and primarily coriander, followed by pine and coriander, the citrus and coriander, then fruit and more coriander. Taste follows through in the same manner. I had a great coriander-free moment at the swallow, but then it sadly came back. Mouthfeel is rich and viscous, damn nice.
Please people! When using spices, keep it subtle. It's killing what could be a VERY promising beer. I want to like this, really, but with all the spice, I just can't get behind it. I give the taste a 3.5 (should be alot lower) as it could be a damn good beer if the dang coriander and spice was less prominent, but as of now it's just too domineering of a presence. Perhaps time will be good to this and the coriander ages out, as I have 1 of these in the cellar. We'll see in a year or more.
Serving type: bottle
09-29-2007 22:58:54 | More by fartingdog
North Carolina
4.18/5 rDev -0.2%
look: 4 | smell: 4 | taste: 4.5 | feel: 4.5 | overall: 3.5
Poured into an oversized wine glass a deep rich burgundy with some residual tawny hue a thinner off white head atop,whoo this is brash on the nose deeply malty and fruity with some vanilla rum notes,cherry,caramel,a bit of nutmeg as well the hops are very muted aroma wise at least.This is a sipper for sure,big sweet malty flavors dominate from the onset caramel and vanilla-like sweetness with deep dark fruity esters a mild nutty aspect underneath,the alcohol will kick ya as well but I like the pain finally a noticeable pine hop note shows thru late and emerges more as I drink more.Big chewey meal in a glass it cuts thru the bit of chill in the air here in WNY tonight,another killer brew from Founders they should be proud,cellar this if you can hold it.
Serving type: bottle
09-17-2007 00:34:47 | More by oberon
3.98/5 rDev -5%
look: 4.5 | smell: 4.5 | taste: 4 | feel: 3.5 | overall: 3.5
Poured from a 22 oz. bomber. Leaves one finger of a tan hued head that has good retention, and leaves good, spotty lacing. Body is a hazy garnet with tobacco highlights.
Smell - caramel, spices, lavender, coriander, spicy and medicinal alcohol, and a hint of pine resin.
Taste - caramel, maltbread, raisins, dates, spices, cola, spicy alcohol, and a hint of pine resin.
Mouthfeel - sticky-sweet syrupyness, alternating with semi-dryness, even full dryness at times.
Drinkability - Its high abv, along with its taste, renders this a sipper, and not a session beer. Nonetheless, this is a good ale, and it seems to me like it could be considered an "Imperial" Dirty Bastard with spices, sort of modeled on an imaginary "Imperial" Traquair Jacobite Ale. It is listed here as an American Barleywine, and wrongly so, IMO.
Serving type: bottle
09-10-2007 15:17:23 | More by ultralarry2006
4.35/5 rDev +3.8%
look: 4.5 | smell: 4.5 | taste: 4.5 | feel: 4 | overall: 4
Poured a viscous, burgundy-brown that diffuses what little light is able to pass through. Visible signs of carbonation are essentially non-existent. With very little head development and its syrupy profile, I know that this is going to be a substantially heavy beer. Although not identified as such on the bottle, this is definitely reminiscent of a barley-wine.
Smell is sweet and malty with notes of raisins and/or grapes. There is also a bit of an estery pinch to the nose upon further agitation. Hop character is muted with most of the aromas dominated by aged fruit. Smells delicious and potent.
Taste is definitely alcoholic, but not harsh as I expected based on olfactory observations. Flavor is sweet, but complex; earthy and fruity. Dominant flavors are raisin, apple, and some vanilla. Good, but strong. At this point, there is not doubt that this is a barley wine.
Mouthfeel is warming due to the presence of alcohol, but not harsh. Slick and sticky character with minimal carbonation. A bit crisp on the tip of the tongue, but otherwise fairly smooth.
This is a very enjoyable brew and meant to be savored. Worth the price per bottle, however? For a 10th Anniversary limited release, I would say yes. If I could still find this, I'd be interested in cellaring this for a year or two to see how it ages.
Serving type: bottle
09-10-2007 11:49:14 | More by hammer09
4.33/5 rDev +3.3%
look: 4 | smell: 4 | taste: 4.5 | feel: 4 | overall: 4.5
(Served in a tulip glass)
A- This beer has as dense brown body with a slight reddish glow at the base of the glass. The head is made up of big bubbles of light tan with a slight yellowish hint. With each sip the head slides down the glass leaving a trail. The carbonation is good and made up of lots of tiny bubbles.
S- The smell of sweet caramel malt and a soft hint of chocolate malt has a light pine note. As it warms there is a slight perfume hint to that caramel and a note of dark roasted malt in the background.
T- The taste of caramel and dark roasted bitterness give way to a light cream and white sugar note with accents of dates coming through as it warms. There is a light bourbon and cola note in the finish and a soft clove note aswell. The finish is pretty smooth and not really sweet.
M- This beer has a medium-light mouthfeel and a light slippery texture which is finished with nice alcohol heat.
D- This beer has a good balance of sweet malt flavors and nice alcohol heat. The malt had some nice complexity and the yeast flavors enhanced that. I didn't notice any hops in the taste but I didn't miss them at all.
Serving type: bottle
08-26-2007 14:53:07 | More by rhoadsrage
New Jersey
4.22/5 rDev +0.7%
look: 4 | smell: 4 | taste: 4.5 | feel: 4 | overall: 4
A: Brown and cloudy with a tan head. Not a whole lot of retention, but I wasn't really expecting it from a brew like this.
S: Honey, caramel, cream, and spice. Not an incredibly volitile aroma, but what is there is pleasing.
T: Beautiful layers of flavor. Malty sweet with a low hop profile. Dried fruits are very present. Very tasty.
M: Medium to full body with a solvent-like slickness. Low carbonation.
D: A great brew in celebration of 10 years of quality beers.
Serving type: bottle
08-15-2007 23:26:34 | More by Avagadro
3.83/5 rDev -8.6%
look: 3.5 | smell: 4 | taste: 4 | feel: 4.5 | overall: 3
Pour is dark amber to red with a slight, off-white head on top. The nose betrays sweet malty aromas and spice...dark fruits.
The flavour of this is exceptionally sweet malts combined with a dominating herbal spicy combination. Caramel. Some dark fruits (plums) with some light fruits (pears). The herbal qualities were quite unique.
The mouth was thick and oily, heavy coating. The drinkability was simply ok.
The bottom line: A unique commemorative brew from Founders. A bit pricy, but it's worth trying out.
Serving type: on-tap
08-15-2007 20:37:34 | More by CortexBomb
New York
4.28/5 rDev +2.1%
look: 4 | smell: 4 | taste: 4.5 | feel: 4.5 | overall: 4
Got this on my whirlwind tour of Great Lakes breweries at the Founders Brewpub. It was served in a goblet which showed off it's beautiful red body nicely. There was a bit of head around the edges, but not much to speak of really. The aroma was very spicy with a pronounced sweet maltiness behind the spice. I got an almost rye character but it might have been the hops. The flavor is pretty heavily malty but with a bunch of spice in it. The bittering from the hops compensates nicely and there is almost a belgian character to it. The flavor is pretty smooth for 13% ABV and medium bodied. Pretty good drinkability considering the strength.
Serving type: on-tap
08-13-2007 21:27:04 | More by drseamus
4.33/5 rDev +3.3%
look: 4 | smell: 4 | taste: 4.5 | feel: 5 | overall: 4
Poured from a 22oz bottle into a shaker. This beer poured a slightly cloudy, dark mahogany color with a thin, yellowish/tan head that quickly disappeared, leaving a few large bubbles floating around. No lacing was left behind, but the beer was very oily and coated the sides of the glass. The aroma was made up of candy sugar, dark fruit, alcohol, sweet caramel malt, and a touch of maple syrup. The flavor was similar to a barley wine. It included notes of apple, maple syrup, very sweet malts, and candy sugar. The alcohol was apparent, but not overwhelming. The mouthfeel was definately full-bodied and very thick. It had an almost syrupy consistency that coated the tounge and mouth. Very minimal carbonation. An interesting beer, and one worthy of representing Founders 10th anniversary.
Serving type: bottle
08-10-2007 22:43:12 | More by mdm46410
4.13/5 rDev -1.4%
look: 4 | smell: 4 | taste: 4.5 | feel: 4 | overall: 3.5
A - Dark amber in color, no head after pour. I notices that in full sun that this beer is almost ruby in color.
S - Lots of dark fruit, plum. A slight red wine smell, but not the tannin or vinous smells.
T - Plum, very sweet. First thing I noticed was the extreme sweetness. Not a candy sweet, but malty. Some alcohol warming on the back end, but not as much as I would have expected.
M - Full, thick, full. Not much carbonation, which is fine. Little bit of burning from the alcohol.
D - This beer is full of flavor and feeling. I wouldn't want it all the time, but it's worth buying for a special occasion. Thumbs up Founders.
Serving type: bottle
08-04-2007 20:26:50 | More by enfield249
4.33/5 rDev +3.3%
look: 4 | smell: 4.5 | taste: 4.5 | feel: 4 | overall: 4
This beer poured a clear, very dark amber color and formed a small off white bubby head that left circular lace as it subsided. No carbonation is present. An aroma of malt, caramel and for lack of a better word, hard candy. The flavor was of malt, caramel and candy. The body was medium light and the finish was quite sweet. This is a beer that I realize needs some aging, which may soften the more sweeter tones in this beer. Another good beer from Founders, if a bit too pricey. What did they do, research Three Floyds?
Serving type: bottle
07-23-2007 03:22:50 | More by Wildman
3.93/5 rDev -6.2%
look: 4.5 | smell: 4 | taste: 4 | feel: 4 | overall: 3.5
Missed the anniversary party due to a wedding but picked up a couple bottles the following day for the cellar.
Pours copper to rusty amber, a vigorous pour reveals a very quick flash of light tan to cream colored foam that quickly dissipates. Fairly still for the most part and a little hazy. Aroma is quite strong on the spices. There is a mix of ginger, cinnamon and vanilla, definitely a big malty sweetness. Ginger snap and vanilla shortbread, also some berry and toasted coconut. Taste follows the aroma with the berry sweetness mingling with the various spices, some definite vanilla and some more hints of a sweet shortbread cookie or a graham cracker crust. Mouthfeel is fairly thick with the low levels of carbonation and a slightly cloying sweetness. The alcohol seems to be well balanced from this bottle serving. This beer to me bears a very strong resemblance to the last eccentric ale, the spiced flavors are nearly identical. The beer seems to be a bit all over the place at the moment but it does seem like a good long term cellaring candidate. Cheers to Founders on 10.
Serving type: bottle
06-26-2007 02:40:34 | More by hoppymeal
Founders Deca 10th Anniversary from Founders Brewing Company
out of 100
based on 96 ratings.


text:
Guided Trips
Guided Canoe and Kayak Trips
Let us take care of the planning, preparation and logistics for you. You just come and have fun! Grab your group of 10 or more and let's hit the water.
We know you have a busy life and sometimes we hear people say how going on the river is just too much work, with:
planning where to camp
building fires
carrying food and then preparing meals
and worst of all, how much work cleaning up is after meals
WRO has the solution for you! Let us do all the work and you and your friends can sit back, relax and enjoy the river.
Our guided canoe and kayak trips are designed for…everyone! We've had 3 year olds on our trips and we've taken senior groups also.
Our trips are primarily on the Wisconsin River for groups of 10+ people, over a period of 2 – 4 days. However, we will go anywhere in the state providing the river is conducive to camping. Also, ask about our whitewater trips, which are best before July on the Flambeau River.
While on your guided trip, you will camp on the sandbars in the middle of the river. Your guide will provide meals and take care of campsite (sandbar!) selection and any other logistical considerations. You WILL NOT find a better experience this close to home!
Scouts and Non Profits
WRO is the Midwest's source for guided trips for Boy and Girl Scouts and non profit organizations. We take care of the logistics, all you have to do is show up. If needed we'll provide tents and sleeping bags for your group and we always provide great meals. Visit our Scouts/Non Profit page for additional details.
Guided Trip Packing List – PDF River Info and Maps
Where We Paddle
Sea Kayak
Lake Michigan and Green Bay/Door County
Lake Superior
Mississippi River
Wisconsin River
Wisconsin River
Black River
Flambeau River – whitewater canoeing
Sylvania Wilderness Area – UP of Michigan
Boundary Waters


text:
QR Code Weapons
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On this page, below, you will find QR Codes for various unlockable Weapons in Etrian Odyssey IV.
(If you are looking for quests, weapons, or items unlocked via these codes, please see the QR Code Unlocks, QR Code Items, or QR Code Weapons page.)
Atlus has given owners of Etrian Odyssey IV the ability to access special items and side quests by scanning select QR codes with their 3DS camera. To use the codes, follow these simple steps:
- Launch Etrian Odyssey IV on your 3DS.
- Gain access to the Cargo Wharf from the main plaza menu in Tharsis. (You must first have completed the tutorial mission and cave and have obtained your Skyship.)
- Select "Read QR Code" from the Cargo Wharf options.
- The game will enter Camera Mode and the screen will change to show the outer camera's view.
- Hold your Nintendo 3DS system up to the QR code until you receive a confirmation message that you have received a QR Code item, either placed in your inventory or now available for purchase at the Berund Atelier.
Below are some QR Code weapons.
Acupuncture Pin (Swords)
- ATK: 32, Recovery Lv1
- Can be equipped by all Classes
Juncto Hammer (Maces)
Matador Rapier (Thrusting Swords)
- ATK: 32, +1 Instant Death
- Can be equipped by all Classes
Surgical Scalpel (Daggers)
- ATK: 27, Refresh Lv1
- Can be equipped by all Classes
Yggdrasil Baton (Staff)
- ATK: 32, +Burst
- Can be equipped by all Classes
What Links Here
QR Code Unlocks | Swords | Thrusting Swords | Maces | Staves | Daggers | QR Code ArmorYou must be logged in to post a comment.
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Douglas Taylor
There seem to be 3 black dancers and 2 black dancers in the snapshot above. Add Allen to the mix, that's an even split of each. And what's less racist than that?!
Note: not my joke, but there's never a good time to pull it out anyway.
I'm assuming that's the artwork…..
There's always this: http://www.youtube.com/watch?v=UaKD8fMIC1A
It seems a lot better a concept now than it did when I first read about it, but I still think it's a tad unfair on people who can't play instruments. I know music lovers who have tried for years to learn an instrument and just got nowhere with it, despite trying really hard. I guess it can be argued that they just don't have to buy this book, but at the same time, it does seem to deprive them of some of the joy that could be had.
No Loudbomb or Blowoff included, nor the aforementioned Land Speed Record. Would have been interesting to see where they placed.
Oddisee's "People Hear What They See" is available on vinyl from Fat Beats, not just on iTunes. Sorry, pernickety today.
Welcome to the Machine
Well, it's quite obviously 52nd Street, as it's the best album of all time.
Lou Reed – The Blue Mask
Satanic Panic in the Attic
Whether or not his theft of Beatles parts is deliberate (he grew up listening to them a lot, so it's only natural that a lot of it would sneak in), I think it's plain to see that Noel's talent as a pop songwriter still puts him up there with the best. Maybe parts are lifted from elsewhere, but the song is still his. I, for one, am very excited about the album. MCFC forever.
Cold Spring


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ABC Forest is designed for preschoolers and early elementary age children to provide vibrant, interactive experiences focused on developing literacy skills. The exhibit features beautiful original mural art inspired by the renowned American illustrator Charlie Harper set in an Iowa forest that features animals, plants, and a spring-fed river.
In Memory of Tanya Nicolson
from her Loving Family