text:
The Municipal Bond Market: The Same, Yet Different
Peter Hayes | January 10, 2014 | Topics: Fixed Income, Investing for Income, Economic Outlook
Point of View With Peter Hayes
- Munis traditionally vied for investor attention vs. Treasuries. Today they compete, and often compare nicely, vs. credit sectors.
- A developing trend of lower muni bond supply could be a positive for prices going forward.
- Headlines around select weak spots don't tell the whole story. Creditworthiness in the muni market is its strongest in five years
The municipal bond market continues to blaze a new path. Despite traveling a fairly rough road in 2013, many of the attributes that have long defined the asset class, including its high quality and income-oriented nature, remain firmly intact. But the market is also evolving. BlackRock's Peter Hayes offers insight into where the market may be headed, along with recommendations for investors. A few of his key observations:
- Munis trade as a credit market. Munis traditionally vied for investor attention vs. rate-centric Treasuries. Today, they are competing with and often outyielding investment-grade corporate bonds and other credit sectors.
- The market is shrinking. A continued aversion to debt could mean supply in the market continues to decrease. Low supply could be a positive for muni prices, particularly if crossover and non-traditional investors maintain interest.
- Fundamentals are their strongest in five years. The recession was painful, but it forced state and local governments to address some challenges (including pensions), which is leading to rising revenues, spending restraint and greater fiscal stability.
2014 returns are likely to be modest, but if you look at taxable-equivalent yields, munis are an excellent option for maximizing income.
The municipal market hit a rough patch in 2013. What drove the volatility?
The volatility was largely about interest rates. It started with Fed Chairman Bernanke's testimony before Congress in May, at the first utterance of "taper," and then ramped up at the FOMC meeting and press conference in June.
Ten-year municipal bond yields rose 94 basis points between April 30 and June 21, resulting in a 4.38% loss for the Barclays Municipal Bond Index. The market was stunned by the swiftness and magnitude of the move. It's not typical in the muni space. As a result, investors became more conscious of the duration in their portfolios and began shedding interest rate risk. That, in turn, drove fund flows out of the asset class and left the market seeking a more stable demand base, which perpetuates the volatility.
Some people believe credit risk was to blame, citing Detroit and Puerto Rico. I think it was a lot less about credit and a lot more about interest rates. As rates go up, demand goes down, and that's the perfect recipe for volatility.
Will munis return to their low-volatility roots or are we in a new normal?
I think we'll exist in a world of greater volatility, and there are a few reasons for that. First is the increase in regulation that has banks and other dealers using less of their balance sheet and, therefore, providing less liquidity to the market. Second is the fact that we're still in an environment of fairly low absolute rates, with the most likely long-term path being up. Investors shouldn't expect the inevitable rise in rates to be a smooth ride. Third is the changing investor base in the muni market. The market has diversified away from its heavily retail roots. In the past few years, it's actually been banks, insurance companies and even hedge funds that are increasing their ownership in municipal bonds. That's because the asset class, post-crisis, has behaved more like a credit market. Munis compete day in and day out with other fixed income asset classes and, because of that, they will experience volatility. These crossover and non-traditional buyers also have shorter investment time horizons than typical buy-and-hold retail investors. The offset to all of this is dwindling supply. At some point, when we get to a very low level of supply, that in itself would mute volatility.
What is the outlook for supply/demand?
We're still in a deleveraging world that is averse to debt, and that means a good chance supply continues to shrink. Issuance in 2013 was down roughly 15% from 2012, and it could be down modestly again in 2014. That may bode well for market performance. Constrained supply helps the price action of any asset or commodity.
On the demand side, robust retail interest may not materialize until investors understand what the removal of quantitative easing (taper) means for rates. I also think there's going to be a big realization around tax time. In March and April, people will begin to see what it meant to pay higher taxes. And what are they going to do to offset that and shelter some income? Munis are the obvious answer, especially after the 2013 selloff and reset in value.
Munis have been outyielding Treasuries and corporates before tax. Can this continue?
It's interesting, because this had not been the nature of the asset class prior to the financial crisis. But it has been the norm since, and that may well continue. Here's why: Despite the rates-induced correction over the summer, the municipal market is not the rates market it once was, but rather, a credit market. It's become a source for incremental income, much like corporate bonds always have been. Because of that, the market needs to maintain high ratios. It needs to stay at yields that are at or above Treasuries and investment-grade corporate bonds in order to continue to attract those non-traditional buyers until the retail base returns (and there's no clear indication that it will). For that reason, I think ratios remain elevated, at least for a while.
You mentioned Detroit earlier. What are the implications of its bankruptcy filing?
Detroit's bankruptcy filing, despite being the largest in history, wasn't a big market mover. Detroit has been rated non-investment grade since 2009, so the filing itself wasn't necessarily a surprise. The bigger factors may be the precedents that come out of the bankruptcy proceedings. In approving the city's Chapter 9 petition in December, the judge ruled that pension contracts are fair game for negotiation. That ruling at the federal level supersedes state protections and, as such, it may have implications for further pension reform down the road. Ultimately, that's a positive for fiscally strapped state and local governments.
We are also watching the court's treatment of general obligation (GO) debt. Detroit has proposed treating GOs as unsecured debt (generally GO bonds are viewed as the highest priority payment). If the city's plan is upheld, and GOs take a significant haircut, then we might see a bifurcation in the market where high-grade municipals trade very well compared to lower-rated names. It's a longer-term story, but one worth watching.
Are there other "Detroits" that threaten to unnerve the market?
We are not seeing any. There are only 34 names that are rated below investment grade by Moody's (out of 7,500), and those tend to be very small. Detroit, meanwhile, is the only big city that is fiscally insolvent. We don't see any others like it on the horizon. Our credit research team maps areas of vulnerability and opportunity across the country, and tracks changes throughout the year. The trend we're seeing is clearly headed in the right direction: areas of strength increasingly outnumber areas of weakness.
Puerto Rico is another headline maker. What is your outlook there?
The island faces extraordinary economic and fiscal challenges; and because Puerto Rico bonds are exempt from federal, state and local taxes in all 50 states, they are very widely held. Puerto Rico has been in a recession for roughly seven years and the pension pain is severe. It has deep debt and is simply running out of money to pay its bills.
To its credit, the administration in Puerto Rico has been taking steps to better the situation. Policymakers have made changes to the pension system, raised existing taxes and created new ones to the tune of potential billions in future revenues. They've recently bought themselves some time with some short-term bridge financing from banks. But it may be a case of too little too late. A lot of the island's debt is trading in the 9% range (market participants are demanding these high rates to compensate them for the risk). The question is whether Puerto Rico can afford to continue borrowing at that level given the state of its finances. It does not appear likely. Unless the economy was to improve quickly and in dramatic fashion, debt restructuring becomes a more likely outcome.
Outside these anomalies, you've said creditworthiness in the muni market is the strongest in five years. How so?
At the state level, revenues are up for 15 consecutive quarters. Expenses are also well contained. States are not borrowing as much, which tends to be a good theme in terms of credit fundamentals (but a bad theme in terms of not having enough issuance available in the market).
At the local level, the housing market was stronger than most expected last year. Some of the areas hardest hit in the housing bust have seen big upturns in median home prices. Tax collections also are improving. Overall, we see the fiscal picture strengthening at the local level for a few key reasons: Payrolls and other spending were cut; property tax rates were raised to offset declining home values; and, more recently, home prices have rebounded. (See graph below.)
Do pension liabilities threaten to break state and local finances?
We do not believe pensions are priming to break the market. In fact, we're more optimistic on this front than we have been in some time given greater awareness of the problem and increased pension reform in the past few years. Illinois is a case in point. It has the lowest pension funded ratio among the 50 states and was among the last to approve reform. We think that's an important development in regards to pension reform and what it means for state and local governments. Illinois' success, along with the federal judge's ruling on pension contracts in Detroit, may have implications for reform elsewhere. So, the momentum is moving in the right direction. We are more encouraged now than we were a year or two ago.
Why the penchant for pension reform now?
Pensions are a long-term liability, but there's a growing realization that the burden to pay looms larger as the asset pools shrink (i.e., funded levels fall). There's also an awareness that the obligation to pensioners is growing larger and longer as life expectancies increase. BlackRock has talked a lot about the need for individuals to plan for longevity, and the same is true of companies and governments that provide retirement benefits.
Pragmatically speaking, the impetus for the reforms has been ratings action. Since the recession, the agencies have been penalizing states for inaction on their pensions. They are acknowledging the fact that this significant long-term liability could potentially impair states' ability to repay current debt. Illinois is a good example. The agencies lowered Illinois' rating, citing its pension problems. A low rating means high borrowing costs, and that tends to bring legislators to action. So, more than ever before, ratings agencies and market spreads are factoring in a state's pension status. And that is leading to reforms that, ultimately, should help bolster states' long-term fiscal health.
Is now the time to buy munis?
Based on the long-term outlook, I'd offer an emphatic yes. The mid-year market selloff restored value in the asset class. We haven't seen such attractive levels since 2011. In the short-term, however, it makes sense to keep an eye on the Fed and interest rates, as the market needs time to digest and understand the implications of tapering.
Any advice for investors as we start 2014?
We'd urge investors to approach the market with proper perspective. That means looking beyond the headlines and interest rate action to see what is really a very appealing proposition on an after-tax basis. I think fears about interest rates were so great in 2013 that investors forgot about the concept of taxable-equivalent yield—the fact that muni income is tax-exempt. I believe that will get greater focus in 2014. Proper perspective also means resetting expectations and remembering that munis are, first and foremost, an income vehicle. They are not designed to generate total return, although that's been a fringe benefit in many years.
If you look back at the average performance of the Barclays Muni Index, you'll find 5- and 20-year average returns of 5.89% and 5.85%. 2013 came in at -2.5%. Those who believe in mean reversion might expect 2014 to produce a return of 7%+, but that's a highly unlikely outcome. It would require a fall in interest rates, and that's not what the consensus is calling for. Bottom line: Returns are likely to be modest, but if you look at taxable-equivalent yields, munis are an excellent option for maximizing income.
Are potential tax policy changes a risk?
The two parties are so far apart in Washington, D.C., that coming to meaningful tax reform will be very difficult. So I don't think that's a risk at all. It may not be a real factor until 2016, assuming there's more unified thinking in Congress.
How should investors position their muni allocations for 2014?
We're very likely in for "low for longer" rates. Against this backdrop, some allocation to high yield probably makes sense in 2014, but balanced with high quality for liquidity and trading flexibility.
We recommend waiting for the early-year volatility to subside as the market digests Fed action, and then looking to lock in yields longer term. Once investors realize the long-feared taper is not particularly meaningful from a big-picture perspective (overall policy is still accommodative, the economy is in decent shape and the supply of Treasuries and other fixed income assets is shrinking), the markets will probably snap back in a fairly short period of time. Certainly we do not expect a repeat of 2013's reaction.
We would also caution investors to avoid the pitfalls of 2011 and 2012 when rates were very low: Extending too far out on the curve and/or taking on excessive credit risk. At the same time, don't go too defensive. Some investors are going as far as exiting the market and holding cash. There's no value in cash.
Importantly, credit research is an absolute necessity. It's at the core of our process here at BlackRock. In addition to referencing the agencies' ratings, we assign an internal rating to every credit and issuer before considering it for inclusion in our portfolios. We're cognizant that avoiding the wrong credits is as important as owning the right ones.
About the Author
Peter Hayes
Managing Director, Head of Municipal Bonds Group
Related by Topic: Fixed Income, Investing for Income, Economic Outlook
Munis Enjoy Hot Streak Amid Bitter Cold
BlackRockFebruary was a fairly hot month - not for the temperatures, but for the municipal bond market. BlackRock muni experts discuss the recent strength and their outlook for the months ahead.
Adapt to Thrive: Age-Old Wisdom for Modern-Day Munis
BlackRockThe municipal bond market has evolved considerably over the years. The key to thriving in the current environment: the ability to adapt and thorough credit research.
What's Next: Fourth Quarter Update Investment Actions
BlackRockBlackRock's best recommendations for the current investing environment.
Municipal Market Myths and Realities
Peter Hayes & James SchwartzThe municipal market has been the subject of many headlines since Detroit's history-making bankruptcy filing. BlackRock's Peter Hayes and James Schwartz discuss why the popular perceptions are often misconceptions.
Distress in Detroit: A BlackRock Analysis
Peter Hayes & James SchwartzThe economic and fiscal distress in Detroit came as no surprise, but the emergency manager's recent proposal to address it did. Peter Hayes and James Schwartz discuss the plan and its potential implications, while offering recommendations for investors.
Even Downside Has Upside
Peter HayesRecent volatility in the municipal market, although painful, has also been healthy in that it has restored value in the marketplace. Peter Hayes offers perspective and recommendations for investors.
High Yield: Why You Still Need It
James KeenanAfter a solid four-year run, many investors are asking whether it's time to lock in profits in high yield and move on. Jim Keenan, head of Leveraged Finance at BlackRock, explains why high yield stills deserve a central place in investor portfolios.
State of the States & Local Governments
BlackRockInvestors in municipal bonds have kept a close watch on how state and local governments have fared in the Great Recession and era of austerity. This report takes a comprehensive look at the current state of states and locals.
Hungry for Yield? Loans May Satisfy
Leland HartSeeking to enhance yield in your portfolio without appreciably increasing risk? BlackRock's Leland Hart says floating rate bank loans may be the answer.
State of California Update
Peter Hayes & Jack ErbeckAfter capturing its fair share of news flow in 2012, California enters the second quarter of its fiscal year headline-free and with a notable budget win after voters approved a meaningful tax measure on Election Day.
Now for the Hard Part: Investing After the US Elections
BlackRockThe votes have been cast; now the hard work begins. In a new report, BlackRock discusses the key challenges and other market implications of the US elections.
2012 Elections: Implications, Insights and Investments
Peter Hayes & Jeff RosenbergIn our pre-election analysis, BlackRock offers suggestions as to where investors can find value in the current markets.
When You Got Nothing, You Got Nothing to Lose
Jeff RosenbergJeffrey Rosenberg, BlackRock's Chief Investment Strategist for Fixed Income, discusses the risks in Chinese financial products, Puerto Rico municipal bonds and the impact of weather on the economy.
Flexible Trumps Traditional in a Changing Bond Market
Rick Rieder & Bob MillerRick Rieder and Bob Miller discuss why investors should consider shifting out of their traditional core bond fund in favor of an alternative approach that is flexible and adaptable to the rapidly changing realities of the bond market.
Examining the Repositioning in Investment Portfolios
Chart of the WeekLast year's rate rise finally prompted what appears to be the beginning of a massive repositioning in investment portfolios. What does this mean for your portfolio?
Command Your Financial Future: Strategies for Unruly Markets
It's easy to lose your composure when markets misbehave. But staying grounded today can reap rewards down the road. Read our seven tips for managing through manic markets.
Still Time to "Stock Up"
Stock markets have been on a tear, but it's not too late to participate. BlackRock investment pros offer insight on the opportunity in equities.
It's A Big World...Invest in It
The data indicates U.S. investors are under-allocated to international stocks by as much as 50%. Are you missing out on a world of opportunity?
Viewpoint on Retirement Income
You've anticipated retirement for years. When the saving is done and it's time to take income, how will you know if you're ready? Meet CoRI.
Emerging Market Debt: All Grown Up
Sergio Trigo-Paz & Ernesto BettoniSergio Trigo-Paz and Ernesto Bettoni, BlackRock's emerging market debt experts, discuss why emerging market debt is so attractive and explain how they construct EMD portfolios.
Detroit Goes Down In History
Peter Hayes & James SchwartzDetroit filed for Chapter 9 bankruptcy protection July 18, making history as the largest-ever municipal bankruptcy. Peter Hayes and James Schwartz discuss the event and the implications for the broader municipal market.
Times Change: Has Your Investment Approach?
Times change, and like most of us, you probably update your fashion, technology and maybe even your diet and musical interests to keep pace. Can you say the same about your financial strategies? See if you're up-to-date or behind the financial times.
The Day the Go-Anywhere Team Came to You
Earlier this year, portfolio managers of the BlackRock Global Allocation Fund sat down in a live webinar to interact with investors. Missed it? Get the recap.
Breaking Free from the Bonds of Tradition
Daily Stat77%: Assets invested in bond mutual funds that could lose money if interest rates rise by 1%
Making a Difference One Bond at a Time
Peter Hayes & James SchwartzThe municipal bond market is rich in opportunity. Learn how careful credit research can make all the difference in the success or failure of a municipal bond portfolio today.
"TIPS" for Protecting Your Portfolio Today from Inflation Tomorrow
Brian Weinstein & Martin HegartyHigher rates of inflation may be on the horizon, and investors should be prepared. BlackRock's senior inflation-linked fixed income experts discuss the value that Treasury Inflation Protected Securities (TIPS) can provide to a portfolio.
Happy Birthday, Bull Market
Russ KoesterichMarch 10 could be considered the fifth birthday of the current bull market. BlackRock Chief Investment Strategist Russ Koesterich discusses where the market may be headed from here.
One Fund, 25 Years: "Words to Invest By"
BlackRockAs the BlackRock Global Allocation Fund marks a milestone anniversary, the portfolio management team reflects on 25 years of investment wit and wisdom.
Meeting the Longevity Challenge
Chart of the WeekTaking a conservative approach to investing for those approaching or in retirement may seem prudent, but being too conservative risks depleting the portfolio prematurely.
Municipal Market Themes for 2014
VideoIn this week's video, Peter Hayes shares his outlook for the municipal market and makes the case for buying munis in 2014.
Welcome Back Volatility
Russ KoesterichThe Investment Strategy Group explains why market volatility is back and what this means for investors.
Fixed Income Outlook for 2014
Jeff RosenbergJeffrey Rosenberg, BlackRock's Chief Investment Strategist for Fixed Income, discusses Fed policy, forecasted bond returns and sector strategies and reviews "My Favorite Themes" for 2014.
2014 Outlook—The List: What to Know, What to Do
BlackRockWhat's in store for 2014? Russ Koesterich, Jeff Rosenberg & Peter Hayes offer their 10 best ideas for the year ahead in the 2014 Outlook: The List, consisting of 5 "what to know" items and 5 "what to do" ideas to help you navigate the markets.
Investment Opportunity 'Made in the USA'
BlackRockThe United States is likely on the verge of an energy revolution, with meaningful implications for the economy and investors. The BlackRock Global Allocation team shares some observations.
Blessed with Long Life. Hit by Low Yields. Time to Make a Change.
Living longer is a blessing, but it's an expensive one. More years in retirement means your money needs to last longer and stretch. The old ways of investing won't get you to where you need to be. It's time for a new strategy.
US Fiscal Cliff Deal: A Stopgap, Not a Solution
Russ KoesterichWith Washington finally coming to a limited agreement to prevent (or delay) the fiscal cliff, BlackRock offers our thoughts about the economic and investment implications.
Beyond the Ordinary: Credit Opportunities for Yield and Return
Rick RiederRick Rieder, Co-Chair of BlackRock's Special Credit Opportunities Investment Committee, discusses the unprecedented credit-related opportunities being created in the post-crisis fixed income world.
The Appeal of Dedicated Tax Bonds
BlackRockAmid fears - warranted or not - of municipal bankrupties, dedicated-tax bonds are one form of muni debt that offers a certain amount of solace for investors. Members of the BlackRock Municipal Bond Management Committee explain why.
Local Government Bankruptcies: Cause for Alarm?
James Schwartz & Peter HayesThe fiscal plight of local governments has been well publicized, with recent bankruptcy filings sparking concern about risk in the municipal space. The news flow comes as little surprise to members of the BlackRock Municipals Group.
Signs of an Economic Bubble
VideoRuss Koesterich explains two key factors that can signal an economic bubble, as well as what a bubble means for the US economy.
Why Dividends? Why Global? Why Now? Why Always?
Stuart Reeve & Andrew Wheatley-HubbardThree concerns weigh heavily on investors' minds today: slow growth, high volatility and low (but unsettled) interest rates. The BlackRock Global Dividend Team discusses how high-quality, dividend-growing stocks may help.
Even Moderate Inflation is a Threat
Chart of the WeekInflation may not be the most pressing and immediate threat, but it is a sure one. Consider that even relatively moderate inflation of 3% can result in the loss of more than half your purchasing power over 25 years.
Student Loan Rate Fluctuations on the Horizon
Daily Stat3.86%: Undergraduate student loan rate for college students
New World Wisdom: Winning More by Losing Less
BlackRockWhen it comes to investing, the fastest sprint doesn't necessarily make you a winner. Portfolio managers of the BlackRock Equity Dividend Fund discuss why they believe slow and steady wins the investing race - particularly during volatile times.
A Single Vehicle for the Long Haul in EMs
Jeff Shen & Rodolfo MartellThe case for investing in emerging markets in compelling, but recent performance challenges can make the positives easy to overlook. Jeff Shen and Rodolfo Martell introduce an approach that seeks to balance the risks and rewards inherent in EM investing.
Munis: Low Issuance in September but a Positive Month Overall
Daily Stat$19 Billion: Muni issuance in September
4 Answers About Target Date Funds
You've got questions, we've got answers. . .at least four, on the topic of target date funds.
Be Flexible and Cast a Wider Net for Income
Michael FredericksInvestors are starved for income with interest rates at historic lows. BlackRock's Michael Fredericks offers ideas about sourcing additional income and smoothing volatility.
Cash is Still King, but at What Cost?
Daily Stat48%: Portion of American investors that name cash as their dominant asset class
A "Real" Way To Seek Returns and Diversification
Mark Howard-Johnson & Sherry RexroadMark Howard-Johnson and Sherry Rexroad recommend REITs for potential returns and dividend income, as well as a dose of diversification.
Rethink the Cost of Cash
BlackRockPutting a significant portion of your portfolio into cash may seem like a good idea when times are uncertain and volatile. But there is a cost: Holding cash is a sure way to lose buying power in the long run.
The New Diversification: Open Your Eyes to Alternatives
Christopher GeczyLearn about a new approach to portfolio construction and how "alternative" investments can play a larger role for individual investors.
What's Next for Equities?
VideoWith markets close to their all-time highs and volatility on the rise, many investors are wondering what's next for equities. Bob Shearer, Equity Dividend Fund Portfolio Manager, shares his views on opportunities and pitfalls ahead.
Planning for Inflation: The "Real" Deal
Michael Fredericks & Phil GreenInflation can't be combatted in the rear-view mirror. Phil Green and Michael Fredericks recommend a multi-asset approach for incorporating inflation protection and long-term growth potential into a portfolio.
ViewPoint on Emerging Markets with Jeff Shen
Jeff ShenOur view on EMs? In a nutshell, we like 'em. Read more here.
Emerging Markets: There's More Than One Way to Play
BlackRockEmerging markets have been the dominant growth story of the past generation. As the cycle evolves, so must the investment approach. The BlackRock Global Allocation team offers five thoughts for investing in emerging markets today.
High-Potential Investments Don't Require High Price Tags
Bart GeerValue remains an important priority for Americans today. BlackRock's Bart Geer believes that same mentality should apply when constructing an investment portfolio.
The two main risks related to fixed income investing are interest rate risk and credit risk. Typically, when interest rates rise, there is a corresponding decline in the market value of bonds. Credit risk refers to the possibility that the issuer of the bond will not be able to make principal and interest payments. A portion of the income from tax-exempt bonds may be taxable and may be subject to Alternative Minimum Tax (AMT). Capital gains, if any, are taxable.
This material is not intended to be relied upon as a forecast, research or investment advice, and is not a recommendation, offer or solicitation to buy or sell any securities or to adopt any investment strategy. The opinions expressed are those of the investment professional profiled as of January 2014, and may change as subsequent conditions vary. Individual portfolio managers for BlackRock may have opinions and/or make investment decisions that, in certain respects, may not be consistent with the information contained in this report. The information and opinions contained in this material are derived from proprietary and nonproprietary sources deemed by BlackRock to be reliable, are not necessarily all-inclusive and are not guaranteed as to accuracy. Past performance is no guarantee of future results. There is no guarantee that any forecasts made will come to pass. Reliance upon information in this material is at the sole discretion of the reader. Investment involves risks.
You should consider the investment objectives, risks, charges and expenses of any fund carefully before investing. The funds' prospectuses and, if available, the summary prospectuses contain this and other information about the funds, and are available, along with information on other BlackRock funds by calling 800-882-0052. The prospectus and, if available, the summary prospectuses should be read carefully before investing.
The information on this web site is intended for U.S. residents only. The information provided does not constitute a solicitation of an offer to buy, or an offer to sell securities in any jurisdiction to any person to whom it is not lawful to make such an offer.
©2014 BlackRock, Inc. All Rights Reserved. BLACKROCK, BLACKROCK SOLUTIONS and iSHARES are registered trademarks of BlackRock, Inc. or its subsidiaries in the United States and elsewhere. All other trademarks are those of their respective owners.
Prepared by BlackRock Investments, LLC, member FINRA.
BlackRock is a registered trademark of BlackRock, Inc. All other trademarks are the property of their respective owners.
Municipal Monthly Commentary
Peter Hayes, James Schwartz & Sean Carney
BlackRock's Peter Hayes & James Schwartz review the month's key economic events and provides insight into their municipal bond investment strategy.


text:
Stats du Site
- 64,355 hits
Recent Posts
Recent Comments
Pierre Lagacé on I Got Carried Away Kelsey on I Got Carried Away gpcox on In circle Oscar Boisjolie Pierre Lagacé on Meet the La Rose family gpcox on Meet the La Rose family Blogroll
- cabinet cards
- Civil War
- comments
- Find a Grave
- Friends
- In Search Of…
- old pictures
- Other Blogs
- Other Websites
- Redux Post
- Reflecting
- stories
- the Alexandre family
- the Ashley family
- the Bleau family
- the Cadieux family
- the Cayo family
- the Combe family
- the Dube family
- the Hogue family
- the Huggins family
- the La Rose family
- the Lagasse family
- the Landry family
- the Lauzon family
- the Levasseur family
- the Marineau family
- the Maynards
- the Melanson family
- the Roys family
- the Sorel family
- Uncategorized
- A-Team Ancestry Bristol Cabinet cards cabinet cards Captions Cemeteries Civil War Comments from readers Eddy Dubois Family History First Bull Run genealogy Genealogy Henri Jean Lagasse Herm Sulkers History Holyoke Idala Lagasse Koji Kanemoto lagasse Massachusetts North Dakota Ontario Paul Dauphin Photos Reflecting Rhode Island St-Eustache Ste-Anne-des-Plaines Ste. Ann Parish Stories the Alexandre family the Archambeault family the Aveline family the Belisle family the Binette family the Blanchard family the Bleau family the Brière family the Charbonneau family the Combe family the Depatie family the Dubois family the Dubé family the Freve family the Hogue family the Kaminski family the Lagacé family the Lagasse family the Lagassey family the Landry family the LeGacy family the Lesperance family the Lestage family the Levasseur family the Marineau family the Moquin family the Moreau family the Métayer family the Newcity family the Paiement family the Quesnel family the Ritchie family the Robitaille family the Sauvé family the Seymour family the St-Jules family the Terrien family The Vezina family the Villeneuve family Tintype photographs Verner Websites World War I
Monthly Archives: April 2012
Young Man 1
You have to start somewhere when someone sends you old pictures like this one Sandy sent me two years ago. 1890s Bristol, Conn. I identified her as 1890s Bristol, Conn. back in 2010, but last year I found out who she … Continue reading
Kaminski, William, Sr.
This is how Carl Archambeault found his ancestors. He read my article about Philip Archambeault obituary. This is William Kaminski Sr.'s obituary. January 05, 2006 KAMINSKI, William, Sr. William Kaminski, Sr., 66, of Kensington, the loving husband of Rosemary "Cookie" … Continue reading
Tagged Genealogy, the Kaminski family
1 Comment
When Harry Bleau meets Freida Kaminski
I did not do this on purpose. Honest! I found Freida's maiden and much more. Freida is Freida Kaminski. Freida Kaminski and Harry Bleau I had a hunch… The 1920 U.S. Census. This is the proof I needed. Harry Bleau, … Continue reading
Late 1890s sisters Bristol, Conn
We have come a long way on this blog since I posted that picture almost two years ago. These two young women were unknown to us in 2010. We just had a few clues. Click here to go back in time … Continue reading
One more day…
I hope this is not an April Fool's Day. My cousin Joe sent me this last year. Click here…
Tagged Genealogy
2 Comments

subset: commoncrawl


text:
David Cameron will step into the row over racism in football by staging a Downing Street summit on the issue.
Some of the sport's biggest stars, governing bodies and anti-discrimination groups are to join the Prime Minister and Culture Secretary Jeremy Hunt for talks.
The Government is also injecting £3 million into the Football Association's new National Coaching Centre, which aims to encourage more individuals from ethnic minorities to progress in the game.
The event to promote a more "inclusive" sport comes amid fears that high-profile incidents are harming its image.
Earlier this month, Liverpool forward Luis Suarez was forced to apologise for refusing to shake hands with Manchester United's Patrice Evra before the teams' match.
Suarez had only recently returned to action for Liverpool following a ban for racially abusing Evra during a game in October.
England star John Terry is also due to face trial over the summer on charges of racially abusing QPR's Anton Ferdinand.
Those taking part in the discussions include former players John Barnes and Graeme Le Saux.
Amal Fashanu, who recently made a documentary about homosexuality in the sport, 14 years after her footballer uncle Justin hanged himself, will attend.
Representatives from the Football Association, the Premier League, the Football League, the Professional Footballers' Association and the League Managers' Association are also due to be there.


text:
Men's Handles
Men's Lacrosse Handles
Attack/Midfield, Defense or Goalie, we have shaft options for you.
From Aluminum to Titanium, and everything in between.
Browse through all, or use the search by shaft size on the left hand side of the page.
If you buy a head and a handle, you will receive a 10% discount.
1 Item(s)
View as: Grid List
Brine F-15 Handle
Brine F-15 Handle
- 7001 series alloy with updated graphics.
- Perfect upgrade from a 6000 series handle.
1 Item(s)
View as: Grid List


text:
The #1 source for fashion inspiration from real people around the world.
HYPE the looks you like to make them hot —or post your own! learn more or sign up now!
chic! great DIY! |
pretty!! |
simply perfect |
great looking! |
Kameliya N. @secondhandprincess ♥ COZY AND CHIC ♥ |
lovely look |
Your jumper is lovely |


text:
This extraordinary, magical first novel is the story of Clare, a beautiful art student, and Henry, a librarian, who have known each other since Clare ... Show synopsis
Find your copy
Buy it from | $0.99 |
Buy new from | $6.02 |
Collectible from | $9.49 |
You're signed up (and we ♥ you). Watch for our Welcome e-mail and your first voucher. Thanks!


text:
Definition of Operation
Operation: In medicine, a surgical procedure. Many operations are named after persons. They range from A to Z, from the Abbe operation (on the lip) to the Ziegler operation (on the eye).
Source: MedTerms™ Medical Dictionaryhttp://www.medterms.com/script/main/art.asp?articlekey=10115
Last Editorial Review: 3/19/2012
Drug Medical Dictionary of Terms by Letter
Medical Dictionary Term:
Women's Health
Find out what women really need.


text: << Return to Search Results Leila Mankarious, M.D. Specialty: Pediatric Otolaryngology Phone Number: 617-573-4103 Fax: 617-573-6845 Location: 243 Charles Street Boston, MA 02114 Map | Driving Directions Office Hours: Wed. 8:30 a.m. - 5 p.m. Board Certification: Otolaryngology-Head and Neck Surgery Medical School Yale University Internship University of Iowa Residency University of Iowa Fellowship Pediatric Otolaryngology, The University of Iowa and The Hospital for Sick Children, London Teaching Affiliation Associate Professor of Otology and Laryngology, Harvard Medical School Biographical Profile: Clinical Interests Pediatric otolaryngology, airway disorders, pediatric cochlear implantation and cleft lip and palate. Publications IgA defines secretions from salivary tissue in post-Sistrunk procedure drainage. Baig S, Martinez-Alvernia EA, Mankarious LA. Oto HNS 2011 Jun Cochlear implantation in children with congenital X-linked deafness due to novel mutations in the POU3F4 gene. Stankovic K, Mankarious LA, Annals of Oto 2010: 815-822. MMP inhibition causes luminal narrowing and ring thickening in the cricoid cartilage. Martinez-Alvernia EA, Mankarious LA. Otolaryngol Head Neck Surg. 2010 Apr. Developmental aspects of the upper airway. Results of a NHLBI working group, March 5-6, 2009. Marcus C, Smith RJH, Mankarious LA, et al. Proceedings of the American Thoracic Society, July, 2009. Drainage post thyroglossal duct remnant surgery: Possible source and analysis. Abubakar S, Martinez-Alvernia EA, Mankarious LA. Otolaryngol Head Neck Surg, 2009:140:343-347. FGF2, VEGF, PDGF, TFG-beta1, and EGF response to injury in the aging rabbit subglottis. Pires VL, Mankarious LA. Annal Otolaryngol, 2009:118:139-147. MMP2 and 9 are concentrated at the luminal aspect of the cricoid cartilage, are diminished with loss of the perichondrium and reinstated by exogenous TGF-beta3. Martinez EA, Mankarious LA. Otolaryngol Head Neck Surg, 2008:117:925-930. A complete list of research publications can be seen at www.pubmed.gov. Type the physician's name at the top, where it says 'for' and the physician's research publications will appear. Page updated 5/8/13


text:
Download Preview | Edit or add effects |
by ranker666, Stock Photo 5604123
armour, art, background, bandit, blade, bone, caribbean, cow, crime, criminal, crook, crown, death, decorations, frame, heraldic, horns, illustration, medallion, patch, piracy, pirate, quoins, robber, robbery, royal, sea, skeleton, skull, steel, sword, symbols, theft, thief, tooth, treasure, vector, weapon, wings
Made with love in NYC.
Bigstock and Big Stock Photo are registered trademarks of Shutterstock. Bigstockphoto is a trademark of Shutterstock.
© 2004-2014 All rights reserved - Bigstock®


text:
Hinge® Shirt & 7 For All Mankind® Jeans
'The Slim Cigarette' Jeans (Grey Tinted Destroyed)
- Item #636606
- Use hip measurement to determine size.
- Snug fit; will stretch with wear.
Details & Care
- Slim stretch jeans are fashioned from destroyed denim and styled with a fitted leg and vintage, ankle-grazing hems. Grommets, studs and rhinestones add an edgy embellishment just beneath the front pockets.
Chiffon & Velvet Mixed Media Shirt
- Item #574180
Details & Care
- Airy chiffon contrasting with plush velvet creates a classic silhouette with an on-trend twist.
'Vicky' Boot (Online Exclusive)
- Item #568047
Details & Care
- High-shine leather dominates the sleek profile of a smartly sassy ankle boot lifted by a wooden heel.


text: Editing: Breakdown! The Deal is Off! Back to page You do not have permission to edit this page, for the following reasons: The action you have requested is limited to users in one of the groups: Users, Wikia Staff, Wikia Helpers. Please log in to edit this wiki.Joining Narutopedia is free, and it only takes a minute.We hope that you sign in, and become a member of the community!Click here to log in or create an account {{Wikipedia|List of Naruto episodes (seasons 3–4)|159939346}} Image: Chakra Scalpel.PNG English name: Kanji name: Romaji name: Other names (,): References: Episode: ( Shippūden) Crunchyroll Release number: Arc: Manga chapters: (Please use a comma (,) separated list) Japanese airdate: JanuaryFebruaryMarchAprilMayJuneJulyAugustSeptemberOctoberNovemberDecember English airdate: JanuaryFebruaryMarchAprilMayJuneJulyAugustSeptemberOctoberNovemberDecember Article text {{translation|'''Breakdown! The Deal is Off!'''|交渉決裂!!|Kōshō Ketsuretsu!}} is episode 93 of the original ''[[Naruto (series)|Naruto]]'' anime. == Synopsis == Having recognised that [[Tsunade]]'s healing technique was filled with killing intent, due to being a [[medical-nin]] himself, [[Kabuto]] realised that she had no intention of helping [[Orochimaru]]. As Orochimaru asked Tsunade why she would betray him, Tsunade replies that though she would have given anything to see her loved ones again, she couldn't bring herself to heal Orochimaru as he would only destroy [[Konoha]], the village both her brother and lover died to protect, and was enlightened by [[Naruto]]. With Tsunade being the only person who can heal Orochimaru, they decide to take her by force, and Kabuto and Tsunade begin to fight. Although Tsunade has far more battle experience than Kabuto, he is able to hold his own against her, even managing to get in a few debilitating attacks. She eventually gains the upper hand, but her [[Body Pathway Derangement]] technique is quickly overcome by Kabuto's knowledge of the human body. As Kabuto charges at her and prepares to put Tsunade out of commission, [[Naruto]], [[Jiraiya]], and Tsunade's assistant, [[Shizune]], arrive to help. [[es:¡La gran crisis! ¡Se acabó el trato!]] Summary: Minor edit Follow this page Cancel


text:
View Profile
Total workouts completed today
People in the gym at today's peak
People working out now
More statistics MzTanikaI Vista, CA I'm Tanika Ivorri. I'm a wife and a mother of 3. I got great results with Slim in 6 previously. I ordered the original program back in 2002. I gained a great deal of weight following a surgery and poor eating habits. I saw the infomercial on T.V. for Slim in 6; but these were updated workouts with bonuses and a great promotional price. I restarted the program many times, but still My Progress My fitness goal: Lose Weight Transformation story
I lost 30 pounds 2 years ago, and gained it back following some down time after a surgery. Now I'm re-committing to my fitness goals, and looking for some great results with ChaLEAN Extreme!
| ?
If you think this page contains inappropriate content or is in violation of Team Beachbody's Terms and Conditions , you may report it to the administrators here. Your comments will be kept confidential.


text:
Found October 04, 2012 on
Pro Sports Daily:
Ryan Fitzpatrick,
Fred Jackson,
C.J. Spiller,
Isaac Sopoaga,
Navorro Bowman,
Andy Lee,
Carlos Rogers,
Brandon Jacobs
TEAMS: Buffalo Bills, San Francisco 49ers, New York Jets
TEAMS: Buffalo Bills, San Francisco 49ers, New York Jets
The San Francisco 49ers on Sunday face another passing offense and another mobile quarterback, two elements that have given them problems this year. Bills quarterback Ryan Fitzpatrick has thrown 12 touchdowns this season, the most in the league through four weeks, and those 12 have come in just 72 completions. He is also a run threat and is somewhat similar in style to Minnesota's Christian Ponder, the only quarterback to beat the 49ers this year. "He's carried the ball 15 times in these first four games and none of them are called quarterback runs," 49ers defensive coordinator Vic Fangio said. "It's him scrambling. He'll buy time in the pocket. He'll create some of the same problems that Ponder created in Minnesota with the scrambling ability." Ponder gave his receivers enough time to work open with his mobility. The 49ers were much better sticking to receivers against the New York Jets last Sunday, but the Bills represent a more talented group, parti...
Original Story:
49ers cornerback: Jets quit on Sunday
Carlos Rogers believes the Jets quit during the team's blowout loss to San Francisco, adding that the Jets defense looked like it "didn't want to be out there."
Brandon Jacobs ready to go for the 49ers
49ers pleased with Aldon Smith's progress at LB
NFL First Quarter Report Card: San Francisco 49ers
Patrick Willis Proves You Must 'Trust Your Power' to Accomplish Great Things in Life (Video)
Rex Ryan says his defense didn't quit on Sunday
49ers giving other teams new things to think about
Carlos Rogers thinks Jets quit
Week 5 Staff Predictions: 49ers vs. Bills
The bye weeks begin: finding a week 5 fill in QB.
The good, the bad and the ugly for the Buffalo Bills
Chick Fight: Clash of the Fans
Fantasy Football: Andre Roberts Among Week 5 Waiver Wire Gems
NFL Forum Discussions
4 replies,
12 hours ago
53 replies,
14 hours ago
4 replies,
14 hours ago
3 replies,
15 hours ago
4 replies,
15 hours ago
2 replies,
15 hours ago
8 replies,
21 hours ago
21 replies,
21 hours ago
2 replies,
1 day ago
Latest Rumors | The Backyard | |||
Today's Best Stuff |
For BloggersJoin the Yardbarker Network for more promotion, traffic, and money. |
Company Info |
Help |
What is Yardbarker?Yardbarker is the largest network of sports blogs and pro athlete blogs on the web. This site is the hub of the Yardbarker Network, where our editors and algorithms curate the best sports content from our network and beyond. |


text:
Word: seleeni
Pronunciation in Finnish [fi] Back to Finnish
- Pronunciation by galamare (Male from Finland)
- Could you do it better? different accent? Pronounce seleeni in Finnish
Accents & languages on maps
- Random word: pioni
by Google Translate English translation:
seleeni = selenium
Modify word:
· Add languages
· Add categories
Report word:
Is there anything wrong with this word?
Please report it here.


text:
Dr. Denise Ellen Paasche MD
Is this you? Claim profile
Dr. Denise Ellen Paasche MD is a female Allergist & Immunologist, has 19 years of experience and practices in Family Medicine and Allergy & Immunology.
Maplewood Family Practice
120 Maple St
Brattleboro, VT 05301
Phone Number
Locations and availability (1)
A medical license is required for a doctor to practice medicine in a particular state. Requirements vary by state but most require, at a minimum, post-graduate training in the doctor's specific specialty. An NPI number is a national identifier unique to an individual health care provider and is managed by the Center for Medicare & Medicaid Services (CMS).
Learn more about Dr. Denise Paasche:
View the full profile to get information on:
- Qualifications
- What's important to you
View full profile
Patient Reviews
be the first!
Specialties & Research
Dr. Denise Paasche, MD is board certified in Family Medicine.
More Specialties & Research
Education & Awards
Dr. Paasche graduated from University of California at San Francisco.
More Education & AwardsAffiliations
Dr. Paasche has 2 hospital affiliations:
- Brattleboro Memorial Hospital
- Athol Memorial Hospital
More Affiliations
Accepted Insurance Plans
Dr. Paasche accepts these health insurances in at least one office:
- Harvard Pilgrim Health Care - 2 plans
- MVP Health Care Preferred Care - 28 plans
- United Healthcare - 12 plans
- Blue Cross Blue Shield of Vermont - 12 plans
- Great-West Healthcare - 1 plan
- Capital District Physicians Health Plan - 7 plans
- Anthem - 11 plans
- Cigna - 25 plans
- Aetna - 2 plans
More Accepted Insurance
Similar doctors nearby
- Additional Information
- Where does Dr. Denise E. Paasche practice?
Dr. Denise Paasche practices Family Medicine and Allergy & Immunology near Brattleboro, VT.
See Brattleboro Family Physicians and Brattleboro Allergists.


text:
toonces learned marconi?
... addiction happens quickly for some ...
I LOVED the cape tutorial! (This is good, too, though.)
Aww, I liked the tutorial. I learned a lot.
I was WAY too serious today. This tutorial quickly brought me back in focus..
Well then, we'll put it back up for awhile.
Those cat working videos are fun!I'm sure you've heard the saying about monkeys writing novels. That one cat was writing something!
Charlene - I think the cat was writing something too! That gives me an idea...
Anonymous comments will no longer be accepted.Please comment with charity and avoid ad hominem attacks. I exercise the right to delete comments I find inappropriate. Be sure and double check if your comment posted after you do the verification deal - sometimes it doesn't print if you made an error.


text:
With its rugged and sturdy design, the Dakota 5 Drawer Chest resembles stacked travel trunks from the old west. This fun and functional dresser boasts five generously sized drawers for storing clothes. It's crafted from durable wood and pine veneers with a dark rustic pine finish. Antique-finished metal hardware completes the look. Perfect for pioneering children and tweens, the Dakota collection recalls the intrepid spirit of our forebears as they traveled west. This rustic piece reflects thoughtful attention to detail. Handcrafted details and ranch-inspired accents make this the perfect choice for traditional or country-style interiors. Your child will love it. This chest comes to you fully assembled.
38.13W x 18D x 48.13H inches
No Assembly Required
Number of Drawers
Our products are shipped partially assembled. Assembly is easy and requires only common household tools. Furniture will be shipped with all necessary fasteners. Assembly is a matter of minutes with easy to follow instructions. Carefully read the instructions and acquaint yourself with the wood parts, bolts and screw sizes before starting assembly of your furniture.
Have a question about this product? Ask a Product Expert! The answer will be emailed to you and then posted here.


text:
content violation
You can write your comment.
Your thoughts in regard to the site hifb.org are very important to us. Please share your thoughts about the site with us.
Meta Description :Hifb.Org highlands & islands fire and rescue service
Title Caracter Number : ()
Meta Description : 47 ()
Meta Keywords : 0 ()
Code Type :
Site Language : en
Site Country :
Ip Address :126.96.36.199
Country Code :
Country :
Google Pagerank : 0
Google Backlink : 0 Link
Google Indexed : 0 Link
Yahoo Indexed : 0 Link
Yahoo Backlink : 0 Link
Rank : 11464858
High Search Queries :
Title : The Highland and Islands Fire Brigade
Description : Offers a range of information on stations and contact points, performance, staff profiles, recruitment and news. Includes online video clips .
You can direct the your domains If you buy empty domains from following domain versions. As such, the man who write your web site wrong or who remember your web site wrong, can contact with you. You might decrease the possibilty of imitation of your domain. By clicking the collected buton, determine the domains who are suitable for sale and buy with a click.
It is given the extensions of the other countries belonging to your domain following. You can purchase these domains to improve your brand and your known. By clicking the register link next to the domains, you can check that domain name is the extension of this country, is empty or full, If it is empty, you can buy.
It is given on the following that the wrong searchings about your domain. You can check them and If you think you lose too many visitors, by creating subdomains about wrong searchings, you can direct the visitors to your main site and you don't lose them.


text:
Best News Bloopers of 2012 Here's a great big collection of all of 2012's best news bloopers. 12/28/2012 12:00:00 AM 28,348
Ultimate Instant Karma Fail Compilation 2013 Do you like seeing people get what they deserve? This is the video for you. 11/19/2013 11:27:18 AM 27,726
Best News Bloopers May 2013 All the best news bloopers from the last month wrapped into a compilation. 6/1/2013 9:27:05 AM 27,567
Fail Compilation October 2013 Here's your Fail Compilation by TNL for the month of October 2013. 11/5/2013 11:06:44 AM 26,859
Huge August & September Fail Compilation Enjoy this massive fail compilation for the month of August and September 2013! 10/7/2013 12:59:37 PM 26,132
2011 Rally Car Crashes Compilation The craziest rally car crashes from this year. 1/1/2012 12:00:00 AM 25,595
GTA V Knockout Compilation One of the best parts of GTA V is just going around punching people out. 9/19/2013 11:37:04 AM 25,416
Animals Are Awesome Too! Don't let the humans take all the credit. Animals are awesome too!!! 5/28/2013 10:59:23 AM 25,171
Best of The Web 5 The next part in the "Best of the Web" series is here for your viewing please. 6/24/2013 10:08:22 AM 24,529


text:
Military & Spy Tech
Global Warming
3D Printing
Best Fitness Trackers
Human Origins
Image of the Day
Tech Archive
« Previous Page
Next Page »
07 March 2014, 02:11 PM ET
How To Clean Your Fitness Tracker | Video
Fitness trackers can get dirty, sweaty or smelly, especially if you wear them on the wrist while exercising. Here's what you need to know to clean almost any fitness band, quickly and effectively.
07 March 2014, 09:02 AM ET
In Images: A 3D Printed Liver
A new way of printing a 3D liver replica may guide surgeries, preventing complications.
07 March 2014, 12:53 AM ET
What Are Next Generation Science Standards?
Next Generation Science Standards (NGSS) are a set of benchmarks for K-12 science education. The standards encourage students to develop critical thinking skills as well as scientific and mathematic literacy.
06 March 2014, 11:31 PM ET
EPA's New Car Emissions Standards Will Clear the Air (Op-Ed)
Like with unleaded gas, opposition to new EPA emissions rules will fade as health benefits pile up.
06 March 2014, 06:43 PM ET
US Navy's Next-Generation Aircraft Carrier Begins Testing Phase
The U.S. Navy's newest aircraft carrier — a massive warship outfitted with the latest radar technology and sophisticated systems to accommodate unmanned, carrier-launched drones — is set to undergo more than two years of rigorous testing.
06 March 2014, 01:36 PM ET
SXSW 2014: Expect Wearable Tech, Robotics, Science Celebs and More
The South by Southwest Interactive festival kicks off Friday (March 7) in Austin, Texas, and Live Science will be onsite with the latest news on wearable technologies, the digital future, robots and more.
06 March 2014, 07:18 AM ET
Facebook to Purchase Solar-Powered Drone Company
Facebook is in talks to buy a drone company that manufactures ultra-lightweight, solar-powered planes that are designed to fly high above commercial air traffic and can impressively remain aloft for up to five years, according to news reports.
06 March 2014, 12:26 AM ET
Hard Evidence: How Will the 2014 World Cup Ball Swerve? (Op-Ed)
There are now only a few months to go until the biggest sporting event of 2014 – the FIFA World Cup in Brazil – and questions are being asked. Will the stadiums be ready? Are the airports ready for the crowds?
06 March 2014, 12:02 AM ET
Using Lasers to Cut a Diamond Apart Atom by Atom
One of great challenges of the 21st century has been to develop ways to manipulate matter on smaller and smaller dimensions.
04 March 2014, 11:56 PM ET
How Harry Potter Magic Turned Gravity into Oscar Gold (Op-Ed)
Tim Webber, Director of VFX at Soho's Framestore, proudly took the stage to receive his team's Academy Award, but the film's closing titles reveal just how much of a collective effort it is to create a photorealistic movie set in the Earth's orbit.
04 March 2014, 03:17 PM ET
What To Look For In A Fitness Tracker Display | Video
Some fitness trackers have sleek, featureless surfaces. But will they tell you all you need to know? Here's what to look for.
04 March 2014, 03:17 PM ET
Fitness Trackers: Are Rechargeables Better Than Watch Batteries? | Video
Most fitness trackers will last 1 to 2 weeks before needing to be recharged using a USB cord. But some use a non-rechargeablewatch battery that can last several months.
04 March 2014, 03:07 PM ET
Is A GPS Sensor A Necessary Fitness Tracker Feature? | Video
Are you a cross-country runner? Do you hike for exercise? If not, you may be able to save some money. Mike Prospero explains how to tell for sure.
04 March 2014, 11:15 AM ET
New Device Could Charge Your Smartphone As You Walk
You could generate the electricity needed to charge your smartphone just by walking around, with a new device called a triboelectric generator, researchers say.
04 March 2014, 10:21 AM ET
Bird Strikes Problematic for Military Helicopters, Study Finds
Mid-air collisions between wildlife and military aircraft can lead to costly and potentially fatal accidents, with birds posing the biggest threat to helicopters operated by the U.S. Army, Navy and Air Force, a new study finds.
04 March 2014, 09:46 AM ET
Story of the Biggest Experiment in History Caught on Film
On July 4, 2012, scientists around the world waited with baited breath for the announcement that the long-awaited Higgs boson particle had been discovered. The discovery — the result of the biggest and most expensive experiment in history — was set to eit
04 March 2014, 01:41 AM ET
A Self-Destructing Phone Isn't the Last Word in Security (Op-Ed)
Businesses battling to keep their information safe pricked up their ears last week as it was announce that Boeing has produced a mobile phone that self-destructs should the wrong person try to use it.
04 March 2014, 01:20 AM ET
War Robots and The 2014 World Cup – Defenders Off the Field (Op-Ed)
High-tech robots called PackBots will be unleashed during the 2014 FIFA World Cup in Brazil to help boost security and examine suspicious objects.
03 March 2014, 05:42 PM ET
Fitness Trackers: Are Rechargeables Better Than Watch Batteries?
Most fitness trackers will last 1 to 2 weeks before needing to be recharged using a USB cord. But some use a non-rechargeablewatch battery that can last several months.
03 March 2014, 05:24 PM ET
How to Clean Your Fitness Tracker
You may wear your fitness tracker so often you never miss a step, but all that activity may cause your tracker to get dirty, sweaty or smelly.
03 March 2014, 04:27 PM ET
A 3D Printed 'Jacket' for the Heart | Video
Researchers have created a sensor-embedded, replica of the heart's outer wall that could be used to treat and monitor heart rhythm disorders such as atrial fibrillation.
03 March 2014, 04:12 PM ET
How To Clean Your Fitness Tracker - and Why You Should | Video
You may wear your fitness tracker so often you never miss a step, but all that activity may cause your tracker to get dirty, sweaty or smelly. But after you clean it, make sure to dry it immediately and completely.
03 March 2014, 02:31 PM ET
Should My Fitness Tracker Have A Display?
Some fitness trackers have sleek, featureless surfaces. But will they tell you all you need to know? Here's what to look for.
03 March 2014, 02:19 PM ET
Should My Fitness Tracker Use GPS?
Are you a cross-country runner? Do you hike for exercise? If not, you may be able to save some money. Mike Prospero explains how to tell for sure.
03 March 2014, 06:57 AM ET
Weird 'Entangled' Light Gives Microscope Sharper Images
Using a weird principle of quantum physics in which two entangled particles of light are connected even when separated, the microscope reveals completely transparent objects, visualizing them in a much better quality than can be done with ordinary light.
01 March 2014, 10:06 AM ET
Best Fitness Tracker Bands
Plan to buy a fitness tracker like the Fitbit Force or Jawbone Up? Check out LiveScience's in-depth reviews before making a purchase.
01 March 2014, 01:48 AM ET
Bone Replacements and Heart Monitors Spur Health Revolution in Open Source 3D Printing (Op-Ed)
The evolution of 3D printing has moved quickly and it is now poised to alter every aspect of our lives and health.
01 March 2014, 12:39 AM ET
Could Sugar Power Cell Phones Of The Future?
Researchers are harnessing the power of sugar to fuel electronics.
28 February 2014, 06:04 PM ET
Fitbit One: Fitness Tracker Review
The Fitbit One is a lightweight fitness tracker that tracks steps, distance walked, calories burned, floors climbed and sleep. Here's what I found after testing the device.
28 February 2014, 04:43 PM ET
Jawbone UP24: Fitness Tracker Review
The Jawbone UP24 is a fitness tracker that tracks steps, distance walked, calories burned, and sleep patterns. Here's what I found after wearing the device for a week.
28 February 2014, 04:12 PM ET
Time-outs to a Ph.D., Mischievous Scientific Curiousity Pays Off | Video
Haitian-Ameican, post-doctoral fellow Wanda Eugene designs technology interfaces that meet users where they are.
28 February 2014, 03:59 PM ET
Realistic Visualizations Help Scientists Understand Karst Groundwater Flow | Video
This videos shows Ray tracing visualization of groundwater flowing through limestone aquifers in South Florida.
28 February 2014, 03:52 PM ET
Computer Scientist Uses Creativity to Teach Computer Skills
Incorporating cultural norms into a computing system's technology interface helps adults learn computer skills faster.
28 February 2014, 02:54 PM ET
Protecting Vulnerable Freshwater Aquifers Critical Task
Visualizing the groundwater flow in these areas helps scientists better understand the risk involved.
28 February 2014, 01:15 PM ET
Proposed California Law Could Make Plastic Producers Clean Up Their Mess | Video
Cleaning up the plastic debris on California's beaches is a costly venture ($420 million to be exact), and a recently proposed bill could incentivize plastic producers to reduce packaging waste and make them pay for part of the clean up.
28 February 2014, 12:52 PM ET
The Best Pedometers of 2014 Do More Than Count Steps
Pedometers can be useful tools to help you track progress towards your fitness goal, and perhaps even motivate you to be more active.
« Previous Page
Next Page »
Science Newsletter: Subscribe


text:
• Male • $499
• Male • $350
• Male • $375
Cockapoo Puppy
Receive an email alert when additional Cockapoo puppies are added. It's easy and free!
BREED: Cockapoo Puppy
INCLUDES: health certificate, vet exam , travel crate
Puppies come with FREE Pet Insurance when adopted from NextDayPets.com! *Please ensure your breeder participates
Wanda Richison
Member Since: December 2006
Location: Southeast Missouri, Missouri
Little Briar Rose...A Real Live Princess!
• Female • $499
Curious George ... Looking For Someone To Love!
Little Snuggles... Wouldn't you like to snuggle?
• Female • $399
Little Cocoa Puff...Looking For A Best Friend?
Little Princess...So Precious!!!
Beautiful Chasta...After Christmas present! SOLD
• Female • $599
Little Eric... Want A Real Live Prince?SOLD
Beautiful Corrie...SOLD!!!


text:
- To relieve is to lessen physical or mental pain or to lessen someone's stress or burden.
- An example of relieve is what pain killers do to pain.
- An example of relieve is when you go to work and take over for the person during their family emergency.
relieve definition by Webster's New World
transitive verb relieved, relieving
- to ease, lighten, or reduce (pain, anxiety, etc.)
- to free (a person) from pain, discomfort, anxiety, etc.
- to restore (a part of the body, the mind, etc.) to well-being
- to lighten the pressure, stress, weight, etc. on (something)
- to lighten (pressure, stress, etc.)
- to give aid or assistance to: to relieve the poor
- to bring or send help to: to relieve a besieged city
- to set free from a burden, obligation, grievance, etc.
- to remove (a burden, etc.)
- to set free from duty or work by replacing with oneself or another: to relieve a nurse
- ☆ Baseball to serve as a relief pitcher for (another pitcher)
- to make less tedious, monotonous, etc. by being or providing a pleasing change
- to set off by contrast; make distinct or prominent
Origin: Middle English releven ; from Old French relever ; from Classical Latin relevare, to lift up again ; from re-, again plush levare, to raise: see lever
intransitive verb
Baseball to serve as a relief pitcher
Related Forms:
- relievable adjective
- reliever noun
relieve definition by American Heritage Dictionary
transitive verb re·lieved, re·liev·ing, re·lieves
- To cause a lessening or alleviation of: relieved all his symptoms; relieved the tension.
- To free from pain, anxiety, or distress.
- To furnish assistance or aid to.
- To rescue from siege.
- To release (a person) from an obligation, restriction, or burden, as by law or legislation.
- a. To free from a specified duty by providing or acting as a substitute.b. Baseball To take over for (a relief pitcher).
- To make less tedious, monotonous, or unpleasant: Only one small candle relieved the gloom.
- To make prominent or effective by contrast; set off.
- Informal To rob or deprive: Pickpockets relieved him of his money.
Origin: Middle English releven, from Old French relever, from Latin relevāre : re-, re- + levāre, to raise; see legwh- in Indo-European roots.
Related Forms:
- re·lievˈa·ble adjective
relieve - Medical Definition
- To cause a lessening or alleviation of something, such as pain, tension, or a symptom.
- To free an individual from pain, anxiety, or distress.
Related Forms:
- relievable adjective
relieve - Phrases/Idioms
relieve oneself
to urinate or defecate
relieve (oneself)
To urinate or defecate.


text:
King Creek Campground
Travel Blogs from Panguitch
Above the Rim, Below the Rim
... having lost footing and just hanging in the air. One thing we didn't see over this almost 2-mile stretch? People! Once we left the overlook at Bryce Canyon, we didn't see any other hikers on the trail until we got to the next scenic overlook. We were amazed that nobody else ventured out on this beautiful section of Bryce, especially since the Rim trail is super easy - it actually starts at a higher elevation than it ends, making for a ...
St George- Panguitch
... our pass into the park, she told Red it was his turn to sing. So he let out a Waltzing Matilda rendition as we drove off, I laughed til I cried. We spent the afternoon checking out the spectacular scenery while dodging the drizzling rain at each point of interest. It was such a shame the day was so dull. We were lucky enough to see so many deer including a doe with her two fawn. We even saw two young bucks. Red Canyon, ...
Day 19 - Queens Garden and Navajo Loop Trails
... of these formations are like no other and the formations are only in this area of the world. Other worldly does not even begin to describe it here.
I have done this trail before and could not wait for Mike and the children to see the Amphitheater. Sunset Point has the most impressive view of this Amphitheater. From this one point you see carvings as far as the eyes can see with a beautiful valley off in the distance. Nothing ...
Day 17 - North Rim to Bryce Canyon National Park
... post office and I hope we can straighten this out quickly. Mail seems redundant these days and most of ours is advertisement in one manner or another. However… every once in a while, you receive something important that needs your immediate attention. Just hope that time is not now!
Calls, e-mails done and 4 loads of laundry later it is 2 a.m. Everyone else is asleep and I am done. This doesn't seem that different from home after all!
Second full day at Bryce
... of
the 8 viewing points on the route back. The only problem is once you have seen
the horizon to horizon view, the view is the view and seeing it again, albeit
from 8 slightly different positions, loses some of the initial impact. The
exception was Natural Bridge, where there was a natural Arch through which you
could see the view ….
We have loved Bryce Canyon, have done the best bits and so tomorrow we are
off to Lake Powell.


text:
Was: $21.99 - $23.99Now: $16.99 - $23.99
Cherokee Flexibles: The Scrubs That Work WITH You. Innovative designs shape and slim the body as the stretch knit panels "flex" with you all day long! Classic fit, sits slightly below the waist. Updated black knit foldover waistband provides the ultimate comfort and right-leg cargo pocket adds extra style to this scrub pant. 31" inseam. Polyester/Cotton. Flexibles panel color guide


text:
Jennifer's Archive
Celebs in Denim: Gerard Butler in Citizens of Humanity
Greeting and posing with an excited fan, Gerard Butler, signs autographs and looks adorable. He wore a pair of Citizens of Humanity jeans and a casual grey tee. Looks pretty good to me!
Images from justjared.com
Celebs in Denim: Ciara in J Brand
Ciara lent a helping hand while assembling school supplies for the 2nd annual Staples / Do Something 101 National School Supply Drive. She opted for J Brand's "912″ ripped pencil leg jean, in Jet. Ciara is always so nicely dressed.
Images from wireimage.com
Revolve Launches designer discount site!
Everyone loves a bargain, especially on designer goods! The newest bargain is from Revolveclothing.com, a website called "Rewind." The site will feature designer goods and products at less than designer prices, including designer denim, with a more affordable price tag!
The website, at rewind-rewind.com, launches this Thursday, August 6th at 9 am. There will be 8 private sales, for men and women. The site will also feature new arrivals weekly, timed sales and discounts up to 80% It will also feature many of the brands and products from the sister site, Revolveclothing.com, only deeply discounted!
To be a part of the sale, sign up at rewind-rewind.com, to get in on the action early!
Celebs in Denim: Vanessa Hudgens in Dylan George
Promoting her new movie, Band Slam, Vanessa Hudgens rocks a pair of Dylan George Lucy jeans in Czar, with lace up pumps and an oversized white shirt. I love her shoes! This isn't the first time Vanessa has been seen rocking her Dylan George jeans.
Images from gossipgirls.com


text:
About Us
The National Resource Center for Academic Detailing (NaRCAD) is an initiative supported by an Agency for Healthcare Research and Quality (AHRQ) grant housed in the Division of Pharmacoepidemiology and Pharmacoeconomics in the Department of Medicine at Brigham and Women's Hospital and Harvard Medical School. Our goal is to promote the use of evidence-based medicine by supporting programs of academic detailing.
Importance of Academic Detailing
Despite the availability of a growing body of comparative effectiveness research (CER) weighing the risks and benefits of therapies in a wide range of clinical areas, non-evidence-based medical care is common. "Academic detailing" was pioneered by our team 30 years ago as a method of educational outreach that provides prescribers with accurate, non-commercial, and relevant data on medications in a user-friendly, interactive format that is proven to change practice. Given its well documented effectiveness, many organizations are interested in implementing academic detailing programs of their own, but require additional expertise and support to do so.
How NaRCAD Works
NaRCAD provides organizations with support and guidance in establishing new academic detailing programs, as well as evaluating and improving existing ones.
- The Center works with partner organizations to perform a needs assessment of their current patterns of medical care and lay the groundwork for establishing academic detailing programs.
- Our core staff and clinical specialty consultants adapt AHRQ's CER findings for important clinical areas (including diabetes, use of anti-psychotic drugs in dementia, pain control in arthritis) into tools that can be used for effective academic detailing.
- The center provides training sessions on the principles of social marketing, techniques of academic, and the clinical content of the adapted CER findings. These sessions will be offered on multiple occasions over the coming months and years.
- NaRCAD works with each partner organization to evaluate its academic detailing activities across multiple dimensions. We collaborate with programs to gather qualitative data on the process of implementation, the quality of training, and the experiences of clinicians receiving the academic detailing messages. The resource center also provides guidance to participating programs on performing patient-level assessments of the impact of their interventions.
Guidance on the establishment of detailing programs, training on the techniques and content of academic detailing, assistance in the evaluation of program effectiveness and the provision of adapted AHRQ review material will help organizations to transform evidence-based information into improved patient-care decisions. These organizations serve diverse patient populations, including vulnerable and underserved patients likely to benefit the most.
Network for Academic Detailing
NaRCAD is establishing a network of organizations seeking to implement the findings of AHRQ's CER work in their own settings. Organizations that have already implemented academic detailing or other innovative educational program are welcome to partner with NaRCAD and to take advantage of the training and resources that the center provides. NaRCAD aims to create a community of programs using academic detailing to disseminate non-commercial, evidence-based information on the benefits and risks of treatment options. This sharing of ideas will enable us and partner organizations to identify best practices that lead to successful academic detailing programs, as well as pitfalls to avoid. By sharing information in this manner, NaRCAD will facilitate the development and improvement of academic detailing programs nationwide.


text:
money management
Coupa Raises $22 Million Series E To Help Companies Track Spending
Coupa, the creator of spend optimization software for businesses, which brings something of a Mint.com-like view into where a company spends on operating resources, is today announcing the close of a $22 million Series E round of funding led by a new investor, Crosslink Capital. Previous investors Battery Ventures, BlueRun Ventures, El Dorado Ventures and Mohr Davidow Ventures also committed to… Read More
ReadyForZero Helps Users Pay Off $12.5M In Debt; Now Launching Offers Platform
ReadyForZero, an online financial service (and YC alum) focused on addressing a real need - getting people out of debt faster - appears to be working. The company, which is now reporting 13% month-over-month growth, says its users have paid off $12.5 million in debt to date, out of the nearly $200 million worth of debt managed by the service. That number has been growing quickly, too. Just a few… Read More


text:
Website | johnhagel.com |
Blog | edgeperspectives.... |
Harvard Business School, MBA | |
Harvard Law School, JD |
Edge Perspectives Blog
John Hagel III is the Co-Chairman of the Deloitte Center for the Edge. John is a recognized thought leader on the intersection of technology and strategy. Throughout his career, he has influenced corporate strategies as a management consultant, author, speaker and entrepreneur. Since 2001, he has been an independent consultant and writer. Prior to that, he held significant positions at leading consulting firms and public and private companies. From 1984 to 2000, he was a principal at McKinsey & Co., where he was a leader of the Strategy Practice. In addition, he founded and led McKinsey's Electronic Commerce Practice from 1993 to 2000. He has also served as chief strategy officer of 12 Entrepreneuring, Inc. and senior vice president of strategic planning at Atari, Inc. Earlier in his career, he was a consultant at Boston Consulting Group and founded Sequoia Group, Inc., a systems house that sold turnkey computer systems to physicians.
Hagel is the author of a series of best-selling business books exploring the intersection of technology and business strategy, beginning with Net Gain, published in 1997, and including Net Worth, Out of the Box and The Only Sustainable Edge. He has won two awards from Harvard Business Review for best articles in that publication and has been recognized as an industry thought leader by a variety of publications and professional service firms.


text:
Thursday, May 02, 2013
Faith47 New Mural In Atlantis, South Africa
Our friend
just completed this beautiful new piece on the streets of Atlantis, Western Cape, South Africa.
Located about 45 kilometres away from Cape Town, the South African painter spent a few hours working on this beautiful piece.
Make sure to peep more detailed images after the jump...
Pics by our Cape Town Correspondent
Klaus Warschkow
More pictures after the jump...
Newer Post
Older Post
Subscribe to:
Post Comments (Atom)


text:
Dordt College News
Convocation marks beginning of Dordt College academic year
August 25, 2011
The community is invited to help usher in a new academic year at the Dordt College Convocation Friday, August 26, at 11 a.m., in the B.J. Haan Auditorium.
Speaking at the convocation will be Dordt College President Dr. Carl E. Zylstra. He will speak on the topic "Living the Vision: Comprehensive Discipleship."
You can watch Convocation live online.
• High quality video
• Standard quality video
• Livestream channel
Convocations are a formal gathering of the academic community to re-examine the college's vision and connection to a variety of disciplines and callings.
Zylstra is retiring from his role as Dordt College president following the 2011-12 academic year, having served as president since 1996. The college has begun the process of searching for its fourth president.
Media Access: Download Word Version | High Resolution Image: 1


text:
BrowseMoviesEmail Sign Up |
Clown Porn - The Parody FavoritePay Per MinuteCurrently not available. Clown Porn - The Parody takes you deep inside the most bizarre look at the adult industry Read More
Studio:Pulse Distribution
Description:Clown Porn - The Parody takes you deep inside the most bizarre look at the adult industry, narrated by beaver hunter Steve Swirlin. He takes you on an unparalleled journey through the genres of pornography in a way that will make your head spin. From the educational erotica to the dark realms of BDSM, this movie will leave you laughing and wondering why you're aroused. Clown Porn - The Parody is not really a parody, but in fact a party game to play with your friends! This is the movie that will be played at all your wildest parties! DVD Features:
StarsAlso Starring:Allison Moore | Janet Alfonso | Syren Demer | Dick Chibbles | Jack Vegas | Murrugun The Mystaic | Steve Swirlin Director:Customer ReviewsWrite an online review and share your thoughts with other customers. You Might Also Like: |


text:
Posted by: email@example.com
Would you like to send a letter to our troops fighting overseas over the holiday season? The Red Cross is kicking off its Holiday Mail for Heroes campaign. The rules are listed below.
Holiday Mail for Heroes
P.O. Box 5456
Capitol Heights, MD 20791-5456
Cards must be post marked no later than December 6, 2013. Cards post marked
after this date cannot be guaranteed delivery.
In order to make cards as meaningful as possible to a wide audience, the Red Cross
recommends that the public use generic card titles such as "Dear Service Member,
Veteran, or Military Family Member" when writing the cards. The Red Cross also asks that cards
not contain glitter because some cards may end up at the bedside of a wounded
service member and can aggravate existing health issues.
How people can get involved in the Holiday Mail program beyond mailing a card -
1) Word of Mouth: Visit www.redcross.org/holidaymail for up-to-date
information about the program and advice on how to help spread the word to
schools, community organizations, colleagues, friends, family, and places of
2) Social Media: Connect with fellow card senders through social media
channels and help us get the word out through Facebook:
www.facebook.com/redcross and Twitter: www.twitter.com/redcross (use


text:
We created Pandora to put the Music Genome Project directly in your hands
It's a new kind of radio –
stations that play only music you like
Features of This Track
new age aestheticsmild rhythmic syncopation
a prominent rhythm piano part
acoustic sonority
These are just a few of the hundreds of attributes cataloged for this track by the Music Genome Project.
show moreSimilar Tracks
I love that idea. Promise kisses. Tell me you love me—even if it's a lie.
I shall look at T.Strong's Wiki.......h o p e f u l l y I'll get a clue.
Love piano


text:
Celebrate Earth Day With Top 10 Most Eco-Friendly Songs
A couple years ago I couldn't even tell you what month Earth Day was in let alone how I'd be celebrating it. But recently, thanks to all the attention on
George Clooney Urges People Not To Boycott Olympics
Representing the other side of the debate, George Clooney has come out against a boycott of the 2008 Olympics in Beijing, China. Over the past few months, we've seen everyone
Paris Hilton Opens A Puppy Beauty Parlor
Paris Hilton loves animals, but not like in a productive, responsible, animals are great kinda way. No, Paris loves animals like Mary J. Blidge loves shoes: the more she has,
The Green Quote: Begley Is The Green Godfather
"Tom Hanks drives an electric car, my wife says. I helped get him that car." – Ed Begley Jr. in a recent interview with the London Free Press
The Bacon Brothers To Rock Your World At Global Green Expo
Kevin Bacon and his brother Michael have a rock band. Which is none too surprising considering the musical passions of other Hollywood stars like Gwyneth Paltrow, Nicole Kidman, Russell Crowe,
The Green Picture: Leo & Bar Take A Big Apple Bike Ride
Leonardo DiCaprio and girlfriend Bar Refaeil grabbed their bikes and took an environmentally-friendly outing through Manhattan yesterday afternoon. DiCaprio, 33, recently purchased a $3-million condo in Riverhouse — a green
Why Christie Brinkley is a Super Model
At the age of 54, Christie Brinkley looks as radiant today as she did nearly thirty years ago, when she first graced the cover of the Sports Illustrated swimsuit issue.


text:
Columbia has a new autism school | Families
The Autism Academy of South Carolina (AASC) has officially opened in Columbia, SC. It's providing a much needed resource for families with children affected by Autism Spectrum Disorder (ASD).
It is inviting the public to a kickoff, which will be held Saturday, September 10th from 10:30 a.m. to noon.
The academy is located at 2243 Percival Road on the campus of Capital City Baptist Church. It serves youth ages 3-21 offering intensive, ABA-based instruction.
The 2011-2012 term has begun, yet limited enrollment slots remain available. For more information, you can visit the academy's web address at www.autismacademyofsc.com.
Top Columbia Stories
Most popular stories from nearby communities
Community Sponsors
Columbia Real Estate Listings
Courtesy of: Prudential Midlands Real Estate
Courtesy of: Prudential Midlands Real Estate


text:
Éditorial:La «piste aux étoiles» – un commentaire sur le dernier classement des revues élaboré par la section 37 du CNRS
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.Bibliographic Info
Article provided by revues.org in its journal Revue Finance Contrôle Stratégie.
Volume (Year): 10 (2007)
Issue (Month): 4 (December)
Pages: 5-15
Contact details of provider:
Web page: http://www.revues.org/
Order Information:
Related research
Keywords: classement des revues;References
No references listed on IDEASYou can help add them by filling out this form.
Citations are extracted by the CitEc Project, subscribe to its RSS feed for this item.Cited by:
- Gérard Charreaux, 2009.
"L'audience et l'influence d'une revue mesurées à travers Internet:une application à Finance Contrôle Stratégie,"
Revue Finance Contrôle Stratégie,
revues.org, vol. 12(2), pages 107-148, June.
- Gérard Charreaux, 2009. "L'audience et l'influence d'une revue mesurées à travers Internet:une application à Finance Contrôle Stratégie," Working Papers FARGO 1090601, Université de Bourgogne - Crego EA 7317/Fargo (Research center in Finance,organizational ARchitecture and GOvernance).
This item is not listed on Wikipedia, on a reading list or among the top items on IDEAS.Statistics
Access and download statisticsCorrections
When requesting a correction, please mention this item's handle: RePEc:dij:revfcs:v:10:y:2007:i:q4:p:5-15. See general information about how to correct material in RePEc.For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: (Gérard Charreaux).
If you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.
If references are entirely missing, you can add them using this form.
If the full references list an item that is present in RePEc, but the system did not link to it, you can help with this form.
If you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the "citations" tab in your profile, as there may be some citations waiting for confirmation.
Please note that corrections may take a couple of weeks to filter through the various RePEc services.


text:
Wow, it's December already, thankfully I think I'm done shopping. I did all of mine online this year, not a thing purchased from an actual store. If you're looking for some last minute gifts for the gamers in your life,…
Tag Archive for Mophie
by Kristofer Brozio • December 1, 2012 •
Mophie Recalls iPod Touch Rechargeable External Battery Case Due to Burn Hazard
by Kristofer Brozio • December 1, 2011 •
Press Releases
Must be that kind of day huh? I think I know a couple companies that may have used the same source for their products, someone or a lot of someones out there are losing there job today over this I…
Go Outdoors with Your iPhone Thanks to Mophie
by Kristofer Brozio • November 1, 2011 •
Press Releases
Mophie has just introduced the juice pack outdoor edition which is a hardware and GPS app bundle for those of your that like to go outdoors and explore. It includes a 2,000 mAh battery that can provide you with up…
mophie Announces juice pack air for Verizon
by Kristofer Brozio • February 9, 2011 •
Press Releases
Today the iPhone 4 is available on Verizon and now you can get the mophie juice pack air to give it some extra juice and make the battery last longer. mophie™ today announced it is accepting pre-orders for a new…
AT&T Stores Nationwide Now Shipping mophie juice pack plus for iPhone 4
by Kristofer Brozio • January 19, 2011 •
Press Releases
In more iPhone news, AT&T stores will now be carrying the mophie juice pack so you can pop in there anytime and get one to add some more juice to your iPhone 4. See what I did there? Juice for…
Review of Mophie juice pack powerstation
by Tomas Ratas • January 16, 2011 •
Cellphone Acessories, Product Reviews
Kris, my editor will be the first to say that I am an Apple fan boy; which I guess is accurate as between my family we have an iPad, iPhone 3G, iPhone 4 and numerous iPods within our household. All…
Review of mophie workbook for iPad
by Tomas Ratas • December 11, 2010 •
iPad Accessories, Product Reviews
Mophie has built its reputation on its external battery charging solutions for mobile Apple devices. Surprisingly they also make other Apple peripherals such as the mophie workbook for iPad. It is designed to protect the iPad while being functional at…
mophie Announces juice pack plus for iPhone 4
by Kristofer Brozio • December 4, 2010 •
Press Releases
I believe Tom has reviewed all of the Mophie Juice Packs, hope he gets this one as well so he can tell you all about it. The new juice pack plus offers more than double the battery life for your…
Review of Juice Pack Air for iPhone 4
by Tomas Ratas • November 11, 2010 •
Cellphone Acessories, Product Reviews
Mophie was one of the first companies to develop and market an external iPhone and iPod Touch battery with their Juice Pack line. They recently introduced their seventh generation product – the Juice Pack Air for iPhone 4. This battery/case…
FLO TV and mophie to Bring Live Mobile TV to the Apple iPhone and iPod touch
by Kristofer Brozio • January 6, 2010 •
Press Releases
and more Apple stuff… FLO TV, a wholly owned subsidiary of Qualcomm Incorporated , and mophie today announced they are teaming to create a series of products that will bring live mobile TV to the iPhone and iPod touch platforms.…
Mophie Unveils Lineup of Innovative Chargers for USB Compatible Devices
by Kristofer Brozio • October 7, 2009 •
Press Releases
mophie is proud to unveil a new lineup of innovative charging solutions for the iPhone, iPod, and other USB compatible devices. Highlighting the new series is a hybrid Wall & Car International USB Charger ($24.95) that combines a car charger…
Mophie Juice Pack Air
by Tomas Ratas • June 4, 2009 •
Product Reviews
One of the best iPhone accessories that I have reviewed and gotten the most use out of has been the original Mophie Juice Pack. It is the perfect companion on long trips such as flights and car rides. My main…
Mophie Juice Pack – iPhone 3G
by Tomas Ratas • December 9, 2008 •
Product Reviews
When Apple switched from the EDGE network to the 3G version, iPhone 3G users gained wireless network speeds were sorely lacking in the past. However, this speed increase does come with a price: decreased battery life! Due to the power…


text:
Give her a baseball glove..
... Then throw yourself at her
- Attended a Community Meetup
- Australia
- Bought between 10 and 49 items
- Community Ambassador
- Contributed a Blog Post
- Envato Staff
- Exclusive Author
- Grew a moustache for the Envato Movember competition
- Has been a member for 2-3 years
Really dosent matter what you going offer her, just give her something usefull. The way you will offer her the gift is what really counts, think of somehting out of the box, some different way, maybe you can invite her to a restaurant/bar and the gift is already on the table when you sit
Good Luck
Here's something that says it works everytime!
- Sold between 50 000 and 100 000 dollars
- Author was Featured
- United Kingdom
- Attended a Community Meetup
- Bought between 10 and 49 items
- Exclusive Author
- Has been a member for 3-4 years
- Microlancer Beta Tester
Etsy is awesome! I have bought so many gifts for my fiancee from there and every time it's a winner.
Pretty much everything is either hand-made, up-cycled or vintage and almost always comes wrapped beautifully. For me that's a massive bonus as I can't wrap stuff for toffee.
Plus there's the added bonus of helping out individuals such as ourselves who are starting out a business of their very own and offering an alternative to the chain stores.
'Stick it to the man duuuude', and get it wrapped by someone else.
Diamond Earrings
I prefer pearl earings!
Maybe you can also get a VideoHive "Love" template which fits to your needs and watch the video with your best moments together as a present. This would be really unique!
- Sold between 250 000 and 1 000 000 dollars
- Has been a member for 7-8 years
- Author had a File in an Envato Bundle
- Most Wanted Bounty Winner
- Interviewed on the Envato Notes blog
- Author was Featured
- Author has had an Item Featured
- South Africa
When you decide on your gift, I think you should a hidden camera setup so we can watch her reaction And then we can do a commentary afterwards.
Saw this one today and bust out laughing. I guess it falls under gifts you want to avoid, just a heads up
I bought my wife a candle and she will not stop raving about it to her friends. They come with rings inside that could be worth $10 up to $5,000. Only $25 for a candle so very affordable. Do a google search for Diamond Candles.


text:
New day. New Daily Deal. Get it before it is gone.
New Customer ? Start Here.
Can't find what you're looking for? Shop all ink and toner cartridges by brand
Item: 270867 Model: VTSL2000BL
Bower® Trendy series blue tripod with adjustable 3-section leg lock system provides enhanced stability. Tripod collapses to 22" and is easily transportable.
This Web site is intended for use by US residents only. See International Sites. See our delivery policy for full details. Copyright 2013, Staples, Inc., All Rights Reserved.


text:
Library Hours: Jan 13 - May 7: 8am - Midnight | May 8 - May 27: 8am - 8pm
The University of Michigan Law Library is "maintained and administered as a part of the instructional and research operation of the Law School." (Board of Regents Bylaw 12.02)
The Law Library's purpose is to build collections and provide services to support the teaching and research needs of Law School faculty and students. Therefore, the Law Library's collections, services, and policies are primarily designed to benefit the Law School's faculty and students, and others officially connected with the Law School.
The Law Library's secondary users--whose needs are met only after those of the primary users--are other University of Michigan faculty and students who have legitimate need to use the collection, and attorneys.
The Law Library accommodates others only so long as their use of the facilities does not interfere with use by primary and secondary users.


text:
Beach House is a duo band from Baltimore, Maryland. They are a very dreamy, relaxing, soothing sounding band. Vocals and keyboard by french born Victoria Legrand and Alex Scally with guitar, bass drums and keyboards. This is probably the most relaxing bad I have ever heard for Indie Rock. They are also under the genre Dream pop. Similiar Bands are The Joy Formidable and Grizzily Bear. Oct 9 Beach House
The are many Indie/Alternative bands out there but here are some of my personal fav in no paticular order Empire Of The Sun Of Monsters and Men Young The Giant Foster The People Daughter Beach House Beach House Review Coming Soon Oct 9 Indie/Alternative