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TravelPod Member ReviewsMalmaison Belfast
Fantastic and special experience..hope to return soon!
This review is the subjective opinion of a TravelPod member and not of TravelPod.com.
Historical Traveler Reviews Malmaison Belfast
Not the first choice for a visit to Belfast
I stayed at the Belfast Malmaison for the Spring holiday weekend. I had not stayed there before.
The check-in process was friendly and efficient, and the room was a good size and was generally well maintained. The bathroom contained large bottles of shower gel, shampoo and body lotion as well as some thoughtful little extras like 2 condoms neatly tucked into a glass jar with a shower cap.
The contents of the minibar however were rather limited. There were none of the usual spirits and mixers and no Champagne. The bed was very hard indeed and it was difficult to sleep comfortably. In spite of it only being about 60F outside, it was too warm to cuddle up in bed for any period of time. The windows only open a crack and there is no air conditioning in the rooms in this hotel - only in some of the common areas downstairs. I was very glad that it was a cool weekend and I would strongly advise against staying here at any time at all during the summer.
There is no car parking at this hotel. The Hilton has a car park at which you can get special rates if you stay at the Malmaison (although you may well think why not just stay at the Hilton in the first place).
The bar was dreadful. The service was painfully slow, inefficient and the cocktails are far from top notch. I have had better from a bar in a railway station. The restaurant is OK, but does not deliver anything memorable. I would recommend exploring some of the great contemporary restaurants that have sprung up all over Belfast in recent years, for example Shu on the Lisburn Road for a sirloin that really was first class.
I would not stay at his hotel again.
Nice Try!
I stayed in this Hotel at the beginning of May and first off I have to say I had very good impressions.
The Hotel itself from the outside is set in a beautiful building in an up and coming part of Belfast. On entering reception you will notice a huge drop in light (no matter if it's day or night). This is not to my taste.
I had a speedy check in by a pleasant receptionist and went to my room.
The room itself was average to small in size. Decor nothing special to be honest but a nice bathroom with nice oversized soaps etc
I had a few drinks in the bar that evening ( very very quiet bar). I then retired to my bed. (This is where the real problems began).
The room and even the corridor really smelt of rotten eggs. I reported this to the night attendant, who apologised but had no solution for me. In fact this is apparently a frequent occurance!!
Then out of the blue at around 4am i was awoken by what can only be described as a mighty crash outside the Hotel. My night was not a silent one!
I did not have time for breakfast the next morning but on departure I mentioned the noise outside and wanted an explanation. Apparently the lady on the desk did not have time for a proper explanation and grunted something to do with the bank next door and gave the impression once again that this is a regular occurance.
Overall, a nice try at something different but next time I will be staying elsewhere!! NEVER AGAIN
Style over substance - Restaurant is a shocker.
On the plus side the Hotel decor is very funky and trendy. However the hotel overall is a little dimly lit. 2 Areas to be wary of:
2. Bar
My biggest problem was the restaurant - definitely to be avoided at all costs. At �23 for a steak it is not entirely cheap, however when ordering the steak to be cooked 'medium' I and another member of the party were given something which was not even rare, it was completely uncooked and in a raw state in the middle. (Maybe in the dim lighting I nor my guests were not suppodsed to notice!) As a result I felt quite unwell later that evening and the next day. This was particulalry embarassing as we had recommended Malmaisson after previously having lunch without any gastric incidents. When I brought the matter to the waiter's attention I was advised that this was the french style of cooking. Silly me perhaps I should be grateful for the stomach cramps and try being a little more cosmopolitan! In fairness the meals were discounted off the bill, but that isn't really the point - the evening had been ruined.
As for the bar if you are happy to pay over the odds i.e almost �5 for a glass of wine or almost �13 for a 500 ml bottle of the house wine then you may like it - personally I thought this, like the restaurant menu, to be overpriced. Malamaison is clearly trading on its image with high prices which don't match the overall experience. Not recommended there are too many better alternatives in a great city.
Excellent hotel
We stayed at the Malmaison over the Easter holidays and I have to say it was one of the better hotel experiences in Ireland. From the casual and relaxed check in to the sumptuous room, completed with flat screen TV and DVD player, the Malmaison managed to provide an excellent base from which to explore Belfast. The staff were very friendly and helpful. We booked through a late rooms consolidator so for � 90 per night/room this was definitely a steal.
A nice touch was the brunch option on Sunday which enabled us to leisurely check out at 3pm.
The only downside was the overzealous security staff in the hotel bar who could not differentiate between hotel customers and the general public.
Lovely hotel!
Spent a night here very recently and had a very enjoyable stay. Service was excellent, staff were friendly and polite, which is definitely not the case in many hotels. Personally I liked the decor and the low lighting but then I was there to relax and not to work. It was certainly light enough to read. Above average breakfast too. Hope they can maintain these standards - certainly good to have somewhere like this in Belfast.
A coffin decor?
When I walked into the Malmaison last weekend, I thought I was entering a large size coffin. The decor is so dark and so dull that there is not excuse of 'modern design'. I asked for the lights to be turned up so that I could see what I am writing, only to be told that the setting was the highest they could have!? Imagine you create a new hotel and the light is fixed at such a level that people can hardly see each others faces. Definetely not for me!
Definitely 10/10
What an absolutely fabulous place. My first visit to a Malmaison and I loved it. It's great to see a hotel of this calibre in Belfast and I have no hesitation in recommending to readers. The staff are friendly,helpful and genuinely enthusiastic. The decor is dark and rich with what my daughter describes as Alice in Wonderland chairs and sofas. I stayed in room 102 and was impressed by the amount of space . A very comfy bed with proper pillows, special touches like the scented candle and in the fridge just what every woman wants; a huge bar of chocolate! I enjoyed a good meal in the Brasserie and an equally delicious leisurely breakfast with the Sunday papers. The Malmaison is 2 minutes from the main shopping streets and although there is free parking near the hotel entrance it is limited. Well done Malmaison,definitely 10/10.
Well, as a new comer to Malmaison I really did not know what to expect. A joy of a hotel! I agree that this hotels decor may not suit all but if you are looking for cutting edge design, excellent service, efficient staff and good value then this is the place for you in Belfast.
Belfast itself was an amazing city too but i really have to say this hotel made our stay. Our room was spacious with origional beams, dvd player, large comfi bed and lush toiletries.When u get up there is a breakfast to die for.
A special hotel in a special city!!!
Loved it!
The first thing that struck us on arrival was the genuine charm of both building and staff, indeed the staff had to have been the friendliest we'd met in ireland. The building itself is beautiful, with some genuine Belfast touches such as most of the artwork in the rooms above consisting of artwork from the troubles. The only real difficulties with the hotel relate to parking, aside from that beautiful restaurant, stunning rooms, friendly staff and a weeekend retreat to die for
Gothic Refurb
The new Malmaison in Belfast was formerly The McCausland Hotel. When we stayed it had only been re-opened for a couple of weeks following an extensive refurbishment and we were able to take advantage of some of the good opening offer room rates. Notwithstanding that, the usual room rates look pretty good value for what is on offer.
As my title suggests, the designers have adopted a somewhat dark colour scheme as part of the refurbishment but I quite liked it (although it might not be to everyones taste). Our room was comfortable and spacious.
When we stayed (a Sunday night), the hotel seemed fairly empty. Service from the staff was exemplory. Both the bar and restaurant were excellent.
On the downside if you are arriving by car, parking is somewhat limited .
TripAdvisor Reviews Malmaison Belfast
Travel Blogs from Belfast
The Northern Ireland Experience
... at water level and enhancing the 100mm waves that rolled in. Didn't work, but it was worth a giggle. From here we headed down to Belfast via the end of the Coastal Causeway. Spent the night and shared a delicious meal and warm hospitality with Peter and Jenny Watson, and friends.
A couple of days around Belfast, busing and walking. We also managed to ride the Ards Pennisula, which completed the circumnavigation of the island.
... Amazing tour around Belfast learning of all the bombings and even saw the 40 foot wall and gates that get opened and closed daily still between the catholics and the prodostants! Had a very interesting tour of the Crumlin Road Jail. Even into the hanging chamber where a guy on our tour group fainted!! Put us all on edge for a few minutes as we were looking down through the hanging doors. Even went through ...
... br> This evening, after watching a movie, I go wandering around my hostel area to find something to do. A drink, a bite, something to fill in my night. I stumbled across this some restaurant called Tretro Belfast. It said live jazz music, so I wandered in. I could only sit at the bar, but it was the highlight of my trip.
It was so bohemian on the inside, light came mostly from the candles lit everywhere, the food was a mixture of Parisian and Mediterranean and the ...
History of the troubles
When I suggested we go to Belfast, Julie was concerned because of the conflict between the IRA and the Protestants. All over I said, it's all in the past now, don't be worried.
To get a history lesson we went for a Black Cab ride with the first cab driver we found that conducted the tour. As luck would have it, it was in a red cab driven by a catholic Irishman who implied he was a former member of the ...
Northern Ireland!!
... These rocks are shaped like pentagons! It was a beautiful view of the ocean as well!! I took lots of pics this day so you will be able to take a gander at them all!! Lunch time came and i had a Guinness stew with chips!! So bomb!! Sorry i am really bad at taking a picture of my food because i usually eat it way too fast and don't remember till after its half gone. Of course i was the last person to get my food.....the skinny chick who ...


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'Lightweight body and offers a decent number of recording options'
'Best wearable camcorder ever'
'Initial impressions a good start for Sony - Sony HDR-AS15'
'Inexpensive, Rugged build'
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'Compact and light, High-quality 16-megapixel Exmor R CMOS sensor'
'Very comfortable compared to the Contour'
'Super lightweight'
'Poor video quality and a minimalist set of features disappoint'
'Interesting little Camcorder'
'The camcorder feels flimsy and the lens is prone to fringing.'
'Incredible Value for the Price!'
'Good video camera'
'Captures stills while shooting video.'
'Terrible focus hunting problems and ergonomics'
'Great camera if you know what you are looking for!'
'Does NOT record past 30 minutes at a time.'
'Five star review for the Sony Bloggie Touch'
'Digital camera meets iPhone touchability'
'Sony Bloggie touch 8gb'
'Pretty good if you need a dedicated camera'
'Could be better'
'Bloggie My New On the Road Camera / Video Recorder'
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1/4 Photos of Croatian Pepper Cookies (Paprenjaci)
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History of these cookies goes back to Renaissance times. It is traditional Croatian Christmas cookie. We usually use wooden mould with various characters. You can buy these moulds in Croatia, but I do not think you can purchase anywhere else. These cookies are also a traditional souvenir and if you are flying Croatia airlines I am sure you will get one cookie � just one, it is airplane catering what do you expect (this is not a commercial!).
Serves: 8
Units: US | Metric
Serving Size: 1 (129 g)
Servings Per Recipe: 8
Every recipe, menu, tip and how-to is right here, at your service.


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This savory dish has many variations through out all the spanish speaking countries, this is the Puerto Rican version.
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Serving Size: 1 (330 g)
Servings Per Recipe: 6
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sazon goya
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- Publisher: Capcom
- Release Date: Nov 24, 2006
- Summary: Capcom Classics Collection Vol. 2 brings together 20 of Capcom's golden arcade games on one disk. Turn your console into a time machine and step into memory lane to relive the glory days of yesteryear. Multiplayer games allow you to challenge all your friends. Unlock cheats to help you beat your favorite games. Unlockable training videos give you the upper hand in performing powerful moves. Gallery gives you a glance at the original art while giving a history lesson on the games. [Capcom]… Expand
- Developer: Digital Eclipse
- Genre(s): Compilations
- # of players: 1-4
- Cheats: On GameFAQs
- More Details and Credits »
Score distribution:
Positive: 15 out of 24
Mixed: 9 out of 24
Negative: 0 out of 24
Even though Avengers and Speed Rumbler make me twitch with anger when I play them, it's still fun to show to friends how bad some games from the "old-school" era really were, and then load up Super Turbo to purify ourselves.
Capcom Classics Collection volume 2 is not the hit-loaded package one would expect, but it is still a must-own for fighting gamers and fans of old-school co-op gaming.
Factor in the ability to save in any game at any time and you have yourself another value-packed retro set that's equal parts entertainment and history lesson. [Holiday 2006, p.80]
At less than £1 a game, there's plenty of opportunity to get your money's worth, although don't expect to be bowled over by the gameplay – this is still strictly a package for nostalgics and those with a keen interest in gaming's history, in the books for which Capcom certainly deserves a second chapter.
While I can understand the financial reasoning behind milking the Capcom back catalogue for two volumes, as a fan I'd much rather have had one all killer, no filler compilation with Street Fighter II, Ghost 'n Goblins, Commando, 1941 and Strider all in one place.
A superb package with great games and some truly inspired extras - and a real trip down memory lane for some of us. [Mar 2007, p.94]
It's a real mixture of a couple of greats, some good, some not too good and a couple that are downright atrocious!
Score distribution:
Positive: 2 out of 3
Mixed: 1 out of 3
Negative: 0 out of 3
Oct 13, 2013This is a museum of old arcade games with some nice menus and extras. The games play well and you get a lot of them. This package is mostly for fans of brawlers and action games. The ones that are in here are old, maybe not well known anymore, but VERY fun. This is a must own game. If you have a friend, clearing this games will be a good time.… Expand
Jan 15, 2013For anyone feeling a bit nostalgic or trying to track down some of the old classics this is certainly a worthy purchase. For one it has Strider, one of the great 16 bit games of that era. The 3 Wonders game is also quite fun and is actually 3 games in one( the first 2 of which are quite fun). 1941, Varth, and Eco Fighters are all very solid shooters as well.… Expand
TJ.Nov 28, 2006An entertaining collection of classic games. Great fun to play. However, it looks like this compilation was rushed out the door because all of my saves are corrupted. At first I thought it was my memory card, but 5 other randomly chosen games save to and load from the same card just fine, so it must be this game. This means that all my high scores and unlockables reset as soon as I turn off the console! I have returned this game for store credit, but will buy it again, if the corrupted saves problem is fixed in a later release.… Collapse


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Hey Guys,
New owner of a Marvel Kegerator. 3rd owner.
It has a resting temp of approx 37*F. Got a cheap keg of PBR just to work out the quirks. After replacing the beer line and letting the keg set for several hours I was getting about 4" of foam on first pour and subsequent pours are just fine.
Built a tower cooler today initially had the fan by the cooling plate but then the tower was pouring @ 37.3 and the liquid temp in the kegerator was 40*F. I then moved the fan down by the keg and now the temps at the first pour and liquid temp are about 1*F off. Still getting some foam but the tubing I have now is 1" and too big to bring to the top of the tower. I don't want to use a hole saw just yet but I'm looking for suggestions for 1/2" flexible tubing to replace what I have now.
What about these?http://www.xoxide.com/swif-smcoil-62...ths-clear.htmlhttp://www.xoxide.com/primoflex-12id-34od-uvblue.html
Is 1/2" big enough to allow air movement with an 80mm fan connected to a 9v power supply?
If that doesn't work should I widen the hole underneath the tower?
If the faucet was dirty would all pours be foamy?
5' Beer Line
800 ft above sea level
What is the ID of the beer line?
Just got back from Lowes with vinyl tubing 1"OD, seems to work better than the corrugated stuff from earlier.
I was able to place the end right under the shank, albeit it fits snug through the top of the kegerator but seems like there is enough room to allow air to fall back into the kegerator.
I'll check the temp for a few hours and then report back how things went.
A couple more feet of line would help with the foam but keeping the faucet cold is the key. Sounds like you did well. You might notice the first pull, even at bars, has some foam they drain off into the drip tray. I'm a little more stingy with my brews.
I think the coiled thing you linked is just a coil, not tubing. The commercial units use a 1" tubing that looks like that but is wire reinforced and when I've tried to buy it it was quite spendy. http://www.micromatic.com/draft-keg-...-pid-1651.html


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Brent crude fell towards $72 on Friday, close to a four-year low touched the day before after OPEC decided not to cut oil output to support prices.» Read More
The long-term prospects for the gas market are looking good, despite current price pressures, the chief executive of Gazprom Export told CNBC.
CNBC's Jackie DeAngelis reports from Hilsborough, New Jersey where a company is looking to make gasoline out of natural gas.
Tesla shares have soared nearly 450 percent his year. Has the stock risen too fast? Ben Kallo of Robert W. Baird weighs in.
Cramer says new energy discoveries present huge opportunities. But you have to know where to play.
America's 100 largest individual landowners added 700,000 acres to their holdings, according to the Land Report 100, and now own 2 percent of the U.S. land mass.
CNBC's Sharon Epperson discusses the day's activity in the commodities markets and looks at where oil and precious metals are likely headed tomorrow.
U.S. crude prices led the oil complex higher on Wednesday, following a report that TransCanada's Gulf Coast pipeline would be completed by the end of the month.
Primus Green Energy is looking to use natural gas to fuel your car, and even jet fuel in the future, reports CNBC's Jackie DeAngelis.
A new report says that many watersheds in the U.S. are seriously stressed, with demand for water exceeding the natural supply of the resource.
Scientists can now say with extreme confidence that human activity is the dominant cause of the global warming, a new report by an international scientific group said.
Iran's "constructive" talks with the United Nations about its controversial nuclear program sent the oil price down on Friday.
Iran and the U.S held their highest-level substantive talks in a generation on Thursday, but voiced caution about resolving Tehran's nuclear program.
Oil fell to its lowest level in nearly two months on Tuesday, on worries that a shutdown of the U.S. government will crimp demand in the world's largest oil consumer.
CNBC's Sharon Epperson discusses the day's activity in the commodities markets and looks at where oil and precious metals are likely headed tomorrow.
The U.K.'s biggest utilities have hit out at plans by the country's opposition party to freeze energy prices if it wins the next general election in 2015.
Crude ended September with its first monthly decline since May, as a looming U.S. government shutdown clouded the outlook for demand.
Neil Gilmour, Vice President, Development, Integrated Gas at Shell says natural gas is the answer to the world's rising energy demand while it also addresses environmental issues.
This trader is getting ready to sell—and he's not buying again until the quarter is over.
Brent crude oil fell in volatile trading on Friday, on track for its third straight weekly loss as diplomatic strides drained geopolitical risk premium from the markets.
What's next for the markets given declining oil prices?
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I purchased this ring as a "heavy duty" wedding band. My husbands wedding band is a domed tungsten carbide band and my normal set is yellow gold. I wanted to get something that would hold up a little better during the gym, yard work, traveling, etc. This band is very high quality - looks and feels just like his, at half the price! The color is slightly darker in person than in the picture, but it is very lustrous!
Nov 14, 2012


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US $0.2-1 / Set ( FOB Price)
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Finger Support Neoprene finger support finger protector
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Project POOCH is often asked how we teach responsibility, patience, and compassion for all life to the youth in our program?
Responsibility begins with youths walking their dogs two times a day, supervising outdoor play time, training their dogs, and taking care of each dog's basic needs like food, fresh water, clean bedding, bathing and grooming. Responsibility also entails organizing dog training equipment, maintaining dog progress reports, and completing assigned tasks.
Patience with a dog teaches youth the importance of being patient with themselves. Since we use only humane training methods and high value treats, some dogs may not be into food. It is up to the youths to be patient and figure out what motivates each particular dog they are training.
While walking back to their living units, POOCH youths noticed a crow with an injured leg. They insisted that we delay walking back for lunch on their living units so that they could help the injured crow. One of the youth took off his jacket and threw it over the crow to keep it still so that the bird could be put in a dog carrier and taken to the local veterinarian. The bird survived and was returned to campus where the youth nursed it back to health. I had just witnessed compassion in action.
It is our hope that the lessons the youth learn in Project POOCH not only teach them to compassionately care for animals; but also how to care for and raise their own children using positive methods.
Project Reports on GlobalGiving are posted directly to globalgiving.org by Project Leaders as they are completed, generally every 3-4 months. To protect the integrity of these documents, GlobalGiving does not alter them; therefore you may find some language or formatting issues.
If you donate to this project or have donated to this project, you will get an e-mail when this project posts a report. You can also subscribe for reports via e-mail without donating or by subscribing to this project's RSS feed.
United States
Lake Oswego,
United States


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100 Colony Rd,
Westminster, MA, 01473-0147
Westminster, MA, 01473-0147
Tel: (978)874-6432
School Overview
|Religious Affiliation
|Seventh-Day Adventist
|Grades Offered
|Grades 2 - 8
Student Body
|Total Students
|13 students
|Student Body Type
|% Students of Color
State avg.: 22%
|Students by Grade
Academics and Faculty
|Total Classroom Teachers
|2 teachers
|Student : Teacher Ratio
National avg.: 13:1
Nearby Schools:
All Schools | High Schools | Elementary Schools | Preschools | Public Schools
Show me:
- School Location Miles Students Grades
GardnerSacred Heart Of Jesus Elementary School
53 Lynde St
Gardner, MA, 01440
(978)632-0950(Roman Catholic)2.4 mi | 175 students | Gr. KG-8
GardnerOur Lady Of The Holy Rosary Elementary School
99 Nichols Street
Gardner, MA, 01440
(978)632-8656(Roman Catholic)2.8 mi | 202 students | Gr. PK-8
WestminsterThe Center For Education
2 Narrows Rd Ste 3b
Westminster, MA, 01473
(978)874-1405Special Education School3.2 mi | 12 students | Gr. 6-12
FitchburgApplewild School
120 Prospect St
Fitchburg, MA, 01420
(978)342-6053 ext 1107.1 mi | 156 students | Gr. PK-8
FitchburgNotre Dame Preparatory School
171 South St
Fitchburg, MA, 01420
(978)343-7635(Roman Catholic)7.4 mi | 24 students | Gr. 7-12
School Reviews
Area Statistics
Recent Articles
Updated October 26, 2014
What do you do when you are dissatisfied with your local public schools? Homeschool your children? Send them to private school? Let's look at your options.
Your religion matters to you. You want your child to attend a school which will combine academics and religious education. Here is an overview of what is available together with some links to denominational web sites.
Add things up and you'll quickly find the answer- math is crucial both in academics and the real world. By following these strategies and following personal training programs, students can uncover their weaknesses and conquer math.
More ArticlesOpinion, Choosing a Private School, Pre-elementary, Why Private School, Paying For It


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Thank you for writing.
I do not have Kavanaughs, Dwyers and Gallaghers on my tree in regard to the Mooney family.
I do however have Kavanaughs on my tree in relationship to another line...they married into my Covington family early Virginia. Are you working on that line?....Philemon, Charles and William Kavanaugh 1697-1747.
Would of love to have seen the obits if they were related to my Mooneys from Madison co., Ohio on to Piatt co., Illinois.
Thanks again,
Marie-Frances Bayles
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Bismarck Teacher Suspended For Showing Godtube Video - Today's Christian Videos
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text: Exam 1 Study Questions (Chapters 1 – 3) Chapter 1 Answer the self study Questions on pages 34-35 in your textbook. Solutions can be found on page51 . True or False (if false explain why) 1. If the assets of a company are $4,000,000 and its total liabilities equal $1,500,000, then total common stock equals $2,500,000. 2. The resources (assets) that the company owns are reported on the balance sheet. 3. The accounting period can be one month, three months, six months, one year or any time frame specified by management. 4. Generally Accepted Accounting Principles (GAAP) are measurement rules used to develop information provided in the financial statements. 5. The audit report is a report that describes the auditors' opinion of the fairness of the financial statement presentations and the evidence gathered to support that opinion. 6. The report of management indicates that the auditor has the primary responsibility for providing the financial statement information. 7. A balance sheet is used to report the activities involving assets, liabilities, and stockholders' equity over a specific time period. 8. The income statement is used to report the results of operations over a specific time period. 9. The statement of stockholders' equity is used to report the changes in common stock and retained earnings attributed to issuance of additional stock, net income (or net loss) and dividends. 10. An entity's assets come from three primary sources: creditors, investors, and profits retained in the business. 11. Buying equipment for use in the business is an operating activity. 12. Borrowing money from the bank is a financing activity. Multiple Choice and fill in the blank 13. What items on the balance sheet are considered to be sources for financing economic resources (assets). a. liabilities and contributed capital, only. b. liabilities only. c. contributed capital and retained earnings, only. d. liabilities and stockholders' equity EXAM 1 Page 1 Study Questions 14. Assets total $450,000, liabilities total $120,000, and common stock totals $200,000. What is the dollar amount of retained earnings? $_____________ 15. The net income reported on the income statement for the accounting period is reported on what other financial statement? a. balance sheet b. statement of stockholders' equity c. statement of cash flow d. net income is only reported on the income statement 16. Financing activities of a company include which of the following? a. Selling products or services to customers. b. Issuing stock to new owners. c. Paying salaries to employees d. Buying property. 17. The primary purpose of an audit (examination) of the financial reports of a company is to a. uncover fraud. b. determine who is guilty of malpractice. c. determine whether the financial reports conform to GAAP. d. examine every document and transaction to verify it was accurately reported. 18. The ending amount reported on the statement of cash flows is also reported on what other financial statement? a. balance sheet b. income statement c. statement of stockholders' equity d. balance sheet and statement of stockholders' equity Essay 19. Describe the relationships that exist between the four financial statements. (For example: What is the order the financial statements are prepared and why?) Short Answer 20. What are the five main financial statement Elements and give a short definition of each and one example of each? a. b. c. d. e. EXAM 1 Page 2 Study Questions 21. What are the four items needed in the heading of a financial statement and why do we need them? a. b. c. d. 22. What are the three business activities to measure? a. b. c. Fill in the blank 23. Match the financial statement items to financial statement categories. Classify each balance sheet item as either an Asset (A), a liability (L) or a stockholders' equity (SE) account, and each income statement account as either a Revenue (R ) or an expense (E). _____ Inventory _____ Utilities expense _____ Land _____ Interest payable _____ Notes payable _____ Interest revenue _____ common stock _____ Interest receivable _____ Building _____ Income tax expense 24. Identify the transaction with the business activity (Operating, Investing or Financing) _______ Issue common stock to new owners ________Provides services to customers for cash _______ Borrowing money from the bank ________ Paying the rent for the month _______ Paying dividends to owners ________ Buy property to use for the office EXAM 1 Page 3 Study Questions 25. Solve for the missing amounts Revenue Expenses Net Income Assets Liabilities Stockholders' CASE (Net Loss) Equity A $50,000 $13,000 $22,000 $77,000 B 57,000 (4,000) 150,000 90,000 C 82,000 49,000 125,000 49,000 D 50,000 (13,000) 81,000 44,000 26. What is the retained earnings equation? 27. Is it the auditors' job to detect all fraud? Why or why not? 28. Describe the three basic types of business forms? a. b. c. 29. Salaries owed to workers $3,100 Equipment rental 3,000 Advertising for the year 1,200 Service revenue 98,900 Building, net 82,000 Salaries for the year 44,000 Furniture 3,500 Accounts payable 4,800 Retained earnings 39,000 Dividends ? Cash 4,600 Common stock, includes $2,000 issued this year 50,000 Interest cost for the year 1,100 Accounts receivable 6,800 Prepare the income statement, the statement of stockholders' equity and the balance sheet for this company. Beginning retained earnings were $23,000. EXAM 1 Page 4 Study Questions Chapter 2 Answer the self study Questions on pages 85 – 86 in your textbook. Solutions can be found on the bottom of page 105. 1. Transaction analysis is the process of studying a transaction to determine its economic effect on the entity in terms of the accounting equation (also known as the accounting model A = L + SE). Use transaction analysis and the following transactions to answer the following questions. Example transaction: Loaned $20,000 to the president 1. Purchased a $200,000 building; paid by signing a $150,000 note payable and the rest in cash. 2. Paid $5,000 for an Account payable owed to suppliers. 3. Borrowed $75,000 from the bank. 4. Issued more stock to owners for $10,000. Required: Identify for each transaction the accounts being affected, the type of account, the direction (increase or decrease), and the amount Account/Element/ Account/Element/ Account/Element/ Direction & Amount Direction & Amount Direction & Amount Ex. Note receivable, Asset Cash, Asset +$20,000 -$20,000 1 2 3 4 2. Is the accounting equation in balance? Complete the following table to prove equality Asset Liability Stockholders' Equity In Balance? Ex. +20,000 (Note receivable) A = L + SE? -20,000 (Cash) 0=0 yes 1 2 3 4 EXAM 1 Page 5 Study Questions 3. Post the above entries into the following T accounts. Each account has beginning balances, and the example transaction has been posted for your review. Cash Note Receivable Building 200,000 20,000 (Ex.) 1,000 1,000,000 20,000 (Ex.) Contributed Capital Account Payable Note Payable 300,000 18,000 50,000 4. After posting to each account, what are the ending balances in each account? Cash $ Note Receivable Building Account Payable Note Payable Contributed Capital True or False (if false explain why) 5. Most companies list assets on the balance sheet in order of the size of the dollar amount of each asset. 6. Liabilities are probable debts or obligations that result from current and future transactions that will be paid for with assets or services. 7. An asset with a market value of $21,000 that is purchased for cash of $19,000 should be listed on the balance sheet at $21,000. 8. The Cash at end of month shown on the statement of cash flows must agree with the balance of Cash shown on the balance sheet. 9. If at the end of the accounting period the total of all the asset accounts is $450,000 and the total of all stockholder equity accounts is $300,000, then the total of all the liability accounts must be $750,000. 10. Investing activities are needed to provide the funds to start a business. EXAM 1 Page 6 Study Questions 11. An independent auditor's (CPA's) report is a guarantee that the financial statements are free from fraud or material error. 12. External transactions are transactions the firm conducts with a separate economic entity, such as selling products to a customer, purchasing supplies from a vendor, paying salaries to an employee, and borrowing money from a bank. 13. Borrowing cash from the bank causes assets to increase and liabilities to increase. 14. Purchasing equipment using cash causes assets to increase. 15. Receiving cash in advance from a customer for services to be provided in the future causes assets to increase and stockholders' equity to increase. 16. The two components of stockholders' equity are debits and credits. 17. Record the following transactions for the Stroud Music Store: (a) Provide music lessons to students for $12,000 on account. (b) Purchase music supplies on account, $1,500. (c) Pay rent for the current month, $2,000. (d) Receive $10,000 cash from students in (a) above. (a) (b) (c) (d) 18. Consider the following T-account for accounts payable: Accounts Payable 10,200 8,800 4,500 (a) Compute the balance of the accounts payable account. (b) Give an example of a transaction that would have resulted in the $8,800 posting to the account. (c) Give an example of a transaction that would have resulted in the $4,500 posting in the account. EXAM 1 Page 7 Study Questions 19. Use the following information to prepare a trial balance for Jefferson Company Cash $6,200 Dividends $1,200 Unearned revenue 1,200 Salaries expense 2,200 Prepaid insurance 1,200 Accounts receivable 3,400 Accounts payable 1,900 Common stock 6,200 Retained earnings 1,600 Service revenue 7,100 Utilities expense 3,000 Maintenance expense 800 20. Based on the trial balance prepared in #19 answer the following (beginning Common stock was 5,000): a. Determine total revenue b. Determine total expenses c. Determine net income d. Determine ending retained earnings e. Determine total assets f. Determine total liabilities g. Determine total stockholders' equity EXAM 1 Page 8 Study Questions 21. Below are the steps in the measurement process of external transactions. Arrange them from first (1) to last (6). _____ (a) Post the transaction to the T-accounts in the general ledger. _____ (b) Assess whether the impact of the transaction results in a debit or credit to the account balance. _____ (c) Use source documents to identify accounts affected by external transactions. _____ (d) Analyze the impact of the transaction on the accounting equation. _____ (e) Prepare a trial balance. _____ (f) Record transactions using debits and credits. 22. The following transactions occur for the Hamilton Manufacturers. (a) Provide services to customers on account for $4,500. (b) Purchase equipment by signing a note with the bank for $10,000. (c) Pay advertising of $1,500 for the current month. Analyze each transaction and indicate the amount of increases and decreases in the accounting equation. Assets = Liabilities + Stockholders' Equity (a) = + (b) = + (c) = + 23. Using the notion that the accounting equation (Assets = Liabilities + Stockholders' Equity) must remain in balance, indicate whether each of the following transactions is possible. (a) Cash decreases; Accounts Payable decreases. (b) Salaries expense increases; Salaries Payable decreases. (c) Accounts receivable decreases; Service revenue increases. 24. Suppose a company has the following balance sheet accounts: Accounts payable 4,200 Building 45,000 Cash 6,100 Common stock 24,000 Land ? Machinery 12,400 Retained earnings ? Notes payable 35,000 Supplies 900 TOTAL ASSETS 114,400 Find the amounts for: (a) Land (b) Total liabilities (c) Total stockholders' Equity (d) Retained earnings EXAM 1 Page 9 Study Questions Chapter 3 Answer the self study Questions on pages 139 – 140 in your textbook. Solutions can be found on the bottom of page 163. True or False (if false explain why) 1. Every transaction affects at least two accounts. 2. The term credit, as it applies to accounts in the accounting system, means to increase the balance of an account. 3. A transaction can only occur between the business and an outside individual or entity. 4. A standardized format that is used to accumulate the dollar effect of transactions on each financial statement item is called an account. 5. The T-account is a simplified representation of an account, and is very useful for summarizing the transaction effects and determining the balance for individual accounts. 6. The matching principle states that expenses are recognized when incurred in earning revenue. 7. The sale of merchandise on credit and the collection from the customer ten days later constitutes one transaction for accounting purposes. 8. A company that ships product to its customers in January 20B but records them as revenue in December 20A has not violated the revenue principle because they were manufactured and ready for sale before the accounting year end. 9. We record insurance as an expense when we pay for a three-year policy. 10. Stockholders' equity is increased by investments of the owners and is decreased by net loss. 11. Rent expense and taxes payable are both elements of the income statement. 12. Revenues increase stockholders' equity, so they are recorded with credits. 13. The balance sheet is not affected by the sale of merchandise for cash. 14. The balance sheet is always prepared before the income statement. EXAM 1 Page 10 Study Questions 15. Net income measured under the accrual basis will equal the change in cash during the accounting period (as found on the statement of cash flows). 16. Supplies on hand at the beginning of the period equaled $500. During the period $1,200 of supplies were purchased. Since $1,000 was used during the period, the company would adjust the account balance by reducing the asset account, supplies, and increasing supplies expense for $700. 17. Each adjusting entry affects at least one income statement account and at least one balance sheet account. 18. Unearned rent revenue is an example of a liability account that will usually not be satisfied by payment of cash but rather by allowing the tenant to occupy the premises for which they have prepaid. 19. On July 1, 20A, Liz Company borrowed $5,000 cash and signed a one year note payable, interest 10 percent, payable on the maturity date, June 30, 20B. The accounting period ends on December 31; therefore, the required adjustment on December 31, 20A would be: Increase--Interest expense, $250; Increase--Interest payable, $250. 20. It is necessary to prepare the income statement first because we need to know net income or loss for the period in order to compute ending retained earnings on the statement of stockholders' equity. Multiple Choice and fill in the blank 21. Which of the following is false? A. Revenues and gains cause increase in net assets. B. Expenditures and expenses mean the same thing. C. Both A and B are false. D. None of the above is false. 22. A landlord received $600 cash for December 20C's rent but the tenant's rent for December is $1,000. Which of the following is true for year ended 20C. A. $600 would be reported on the statement of cash flows. B. $400 would appear on the balance sheet as rent receivable. C. $1,000 would appear on the income statement as rent revenue earned. D. All of the above are true. E. None of the above is true. 23. During 20B, Olde Company earned service revenues amounting to $300,000, of which $270,000 was collected in cash; the balance will be collected in January 20C. The 20B income statement of the company should report the following amount for service revenues A. $270,000. B. $300,000. C. $ 30,000. D. $570,000. E. None of the above is correct. 24. Which of the following statements is false? A. We recognize and record expenses when an expenditure is made. B. We recognize revenue when it is earned, usually upon delivery even when cash is not yet received. C. Cash received before we provide the service to a customer is recorded as unearned or deferred revenue. EXAM 1 Page 11 Study Questions D. Expenses are matched against revenue when we incur the cost in conjunction with earning revenue. E. None of the above is false. 25. On January 1, 20B, Grover Inc., started the year with a $50,000 credit balance in its retained earnings account. During 20B, the company earned net income of $100,000 and declared and paid dividends of $30,000. Also, the company received cash of $15,000 as an additional investment by its owners. Therefore, the balance in retained earnings on December 31, 20B, would be : $____________________ 26. On July 1, 20D, Allen Company signed a $50,000, one-year, 10 percent note payable. At due date, June 30, 20E, the principal and interest will be paid. Interest expense should be reported on the income statement (for the year ended December 31, 20D) as A) $5,000. B) $2,500. C) $1,250. D) $3,750. E) None of the above 27. On July 1, 20D, Thomas Company paid $2,400 for a two-year insurance policy on the building. The accounting period ends December 31. At the end of 20D, the financial statements should report On the Balance Sheet On the Income Statement A) Prepaid insurance, $2,400 Insurance expense, $0. B) Prepaid insurance, $0 Insurance expense, $2,400. C) Prepaid insurance, $1,800 Insurance expense, $600. D) Prepaid insurance, $1,200 Insurance expense, $1,200. E) None of the above is correct. 28. On December 31, 20D, the effect of recording an adjustment for interest of $1,200, which had accrued on a note payable, would be A) a decrease in stockholders' equity and decrease in an asset. B) a decrease in liabilities and increase in stockholders' equity. C) a decrease in stockholders' equity and an increase in liabilities. D) an increase in stockholders' equity and increase in an asset. E) none of the above is correct. 29. At the end of its accounting period, December 31, 20D, May Corporation owed $1,000 for property taxes which had not been recorded or paid. Therefore, the 20D, adjusting entry should be A) $1,000 decrease to an expense account and decrease to a liability account. B) $1,000 increase to an expense account and decrease to an asset account. C) $1,000 increase to a liability account and increase to an expense account. D) $1,000 decrease to a liability account and decrease to an asset account. E) None of the above is correct. 30. Assume Minor Company recorded the following adjustment at year-end: Balance Sheet Income Statement Assets Liabilities SE Revenues Expenses NI Prepaid insurance -1000 Insurance expense +1000 If the beginning balance in prepaid insurance was $700 and $1,500 was paid for an insurance premium during the year, the ending balance in the prepaid insurance account (after the above adjusting entry) would be A) $1,200 B) $ 700 EXAM 1 Page 12 Study Questions C) $2,200 D) $1,000 31. Failure to make an adjusting entry to recognize accrued income taxes payable would cause an A) understatement of expenses, liabilities and stockholders' equity. B) overstatement of expenses and liabilities. C) understatement of expenses and liabilities and an overstatement of stockholders' equity. D) understatement of assets and stockholders' equity. E) understatement of expenses and stockholders' equity. 32. At the end of 20D, Washington Inc. made the following adjusting entry to record $10,000 of accrued and unpaid wages: Balance Sheet Income Statement Assets Liabilities SE Revenues Expenses NI Wages payable +10,000 Wage expense +10,000 At the end of the first week of January 20E, Washington Inc. paid $40,000 in wages for the pay period including the $10,000 accrued in the December 31, 20D adjustment above. The entry to record the payment of this payroll in January 20E should include a A) $40,000 increase to wages expense and a $10,000 decrease to wages payable. B) $30,000 increase to wages expense and a $10,000 decrease to wages payable. C) $50,000 increase to wages expense and a $10,000 decrease to wages payable. D) $10,000 increase to wages expense and a $30,000 decrease to wages payable. E) none of the above is correct. 33. The difference between the equipment account balance and the accumulated depreciation, equipment account balance is called A) market value B) acquisition cost C) book value D) net realizable value E) none of the above 34. At the end of 20C, Collin Company reported an ending balance for retained earnings of $150,000. During 20D, the company reported the following amounts: Dividends declared and paid, $20,000 and net income, $40,000. The 20D statement of stockholders' equity should report an ending balance for retained earnings of A) $190,000. B) $130,000. C) $170,000. D) $ 40,000. 35. Which of the following errors would most likely lead to an overstatement of income? A) Recording revenue next period when the cash is collected although it is earned in the current year B) Recording an expense incurred this year when the cash is paid next year C) Failure to adjust deferred rent revenue account for the portion of rent earned this year D) All of the above lead to overstated income this period E) None of the above leads to overstated income this period 36. Which of the following accounts is closed at the end of the year but does not enter the calculation of net income? A) Interest receivable B) Dividends declared EXAM 1 Page 13 Study Questions C) Depreciation expense D) None of the above is closed and entered in to the calculation of net income Essay 37. Explain why a $500 revenue collected in advance for service would be recorded as a debit to cash and a credit to a liability account. 38. Complete the chart below for McRae Corporation by entering check marks in the appropriate spaces. Stockholders' Assets Liabilities Transaction or Event* Equity Inc. Dec. Inc. Dec. Inc. Dec. A. Investors purchase McRae stock. B. Acquired supplies on credit (not yet used). C. Earned service revenue. D. Paid for supplies purchased in (B). E. Paid expenses. F. Paid a liability. G. Recorded utility bill, but did not pay it. Use the following to answer 39 and 40 39. Perform transaction analysis for Cress Company regarding the following transactions for May. Indicate an increase (+) or decrease (-) to the account in front of the amount. Stockholders' Assets Liabilities Transaction Analysis Equity Acct. Amt. Acct. Amt. Acct. Amt. Ex. Paid wages for two weeks in May. The Wage Cash -$500 +$500 total cash paid was $500. expense A. Customers paid $2,000 on their accounts early in May. B. Services were completed for customers. A total of $1,200 was billed but none of it was received in May. C. Paid a $400 insurance premium for coverage for June, July, and August. D. Paid May's telephone bill for $150. E. New investors purchased Cress Company stock in May for $3,000. F. Paid last month's fuel bill for $100. It was recorded as an expense last month. 40. Determine whether the transactions (A)-(F) above affected cash flows. If so, determine the type of activity as an EXAM 1 Page 14 Study Questions operating activity, an investing activity, or a financing activity. If cash is not affected use "no effect." Place a check mark under the appropriate column for each transaction. Type of Activity Transaction Operating Investing Financing No effect A. B. C. D. E. F. 41. The accounts of North Corporation showed the following balances: Common stock, January 1, 20B $100,000 Retained earnings, beginning balance, January 1, 20B $40,000 Total revenues earning during 20B $120,000 Total expenses incurred during 20B $90,000 Total dividends declared and paid during 20B $5,000 Issuance of stock during 20B $50,000 Give the amount that should be shown in each of the following accounts on the 20B year-end balance sheet: Common stock $ Retained Earnings $ Use the following to answer questions 42 – 4 The following account balances appear in the 20C adjusted trial balance of Silver Corporation: Cash $10,000 Accounts Receivable 7,000 Supplies 500 Equipment 110,000 Accumulated depreciation 20,000 Accounts payable 3,000 Notes payable 35,000 Common stock 20,000 Retained earnings 33,000 Dividends 2,000 Service revenue 120,000 Salaries expense 80,000 Supplies expense 2,500 Rent expense 8,000 Depreciation expense 10,000 Miscellaneous expense 1,000 EXAM 1 Page 15 Study Questions 42.. Determine total expenses for the year: $___________ 43. Determine net income for the year: $___________ 44. Determine ending retained earnings for the year: $___________ 45. Determine ending total stockholders' equity for the year: $___________ 46. Determine total Current Assets at the end of the year: $___________ 47. Determine Total Assets at the end of the year: $___________ 48. Which of the above accounts is CLOSED at the end of the period? 49. A list of accounts used to record the economic effects of transactions in terms of the fundamental accounting model is given below. You are to indicate the accounts to be increased (+) and/or decreased (-) for each transaction by entering the appropriate letter in each blank, put + or – in front of the letter to indicate increase or decrease. ACCOUNTS A. Cash G. Depreciation Expense B. Accounts receivable H. Common stock C. Office equipment I. Services revenue D. Accumulated depreciation J Selling expenses E. Accounts payable K. Interest expense F. Notes payable L. Retained earnings Transaction Account Account 1. Purchased office equipment for cash. 2. Issued shares of Scooter's stock in exchange for cash. 3. Recorded depreciation expense on the office equipment. 4. Borrowed cash from the bank on a note payable. 5. Provided services on credit. 6. Paid selling expenses with cash. 7. Provided services for cash. 8. Paid interest on notes payable. EXAM 1 Page 16 Study Questions 50. Several different account titles are listed below that you have studied. Under each column for each cell you are to enter one capital letter which indicates for each account its normal characteristics. USE THE LETTER CODE GIVEN CLOSING NORMAL FINANCIAL TYPE OF ACCOUNT STATUS BALANCE STATEMENT L=Liabilities C=Closed D=Debt B=Balance Sheet A=Assets R=Revenue E=Expenses N=Not Closed C=Credit I=Income Statement C=Contra SE=Stockholders' SE=Statement of Equity Stockholders' Equity N=Not Applicable N=None of the above Account Titles Type of Closing Typical Balance Financial Account Status (before closing Statement(s) (On entries) which reported) Ex. Cash A N D B 1. Dividends declared 2. Wages payable 3. Common stock 4. Rent expense 5. Retained earnings 6. Notes payable 7. Unearned revenue 8. Dividends payable 9. Building 10. Accumulated depreciation The Country Store had the following transactions in April: a. Sold $30,000 of goods to customers and received $28,000 in cash and the rest are on account b. The cost of the inventory sold was $18,000 c. The store purchased $8,000 of inventory and paid for $6,000 in cash and the rest were bought on account d. They paid $8,000 in wages for the month e. Received a $1,000 bill for utilities for the month that will not be paid until May f. Received rent for the adjacent store front for the months of April and May in the amount of $2,000 Complete the following statements: Cash Basis Income Statement Accrual Basis Income Statement Revenues: Revenues: Cash Sales a. ________ Sales to customers f. ________ Rent Collected b. ________ Rent revenue g. ________ Expenses: Expenses: Cost of sales h. ________ Inventory purchases c. ________ Wages expense i. ________ Wages paid d. ________ Utilities expense j. ________ Net Income e. ________ Net Income k. ________ EXAM 1 Page 17 Study Questions


text:
Music Night Yashica
Flash died halfway so the shots are really blurry and contrasty ><This photo was shot on film. Taken by chib3h with a Yashica FX-3 Super 2000 loaded with Lomography Tungsten 64 film in kuala lumpur, Malaysia. These tags describe this photo: music, night, low, iso, slow, film, blur, color, performance, and concert. Date: 2012. This photo can also be found in the albums Portraits 3Music Night .
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Nice singer portrait!


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Think Tank
Is There Any Escaping Facebook?
Facebook and other social media are becoming permanently woven into our society's fabric, says NYU telecommunications professor Clay Shirky. Privacy is a 20th century notion.
We live in a time of information abundance, which far too many of us see as information overload. With the sum total of human knowledge, past and present, at our fingertips, we're faced with a crisis of attention: which ideas should we engage with, and why? Big Think is an evolving roadmap to the best thinking on the planet — the ideas that can help you think flexibly and act decisively in a multivariate world.
A word about Big Ideas and Themes — The architecture of Big Think
Big ideas are lenses for envisioning the future. Every article and video on bigthink.com and on our learning platforms is based on an emerging "big idea" that is significant, widely relevant, and actionable. We're sifting the noise for the questions and insights that have the power to change all of our lives, for decades to come. For example, reverse-engineering is a big idea in that the concept is increasingly useful across multiple disciplines, from education to nanotechnology.
Themes are the seven broad umbrellas under which we organize the hundreds of big ideas that populate Big Think. They include New World Order, Earth and Beyond, 21st Century Living, Going Mental, Extreme Biology, Power and Influence, and Inventing the Future.
Browse videos featuring experts across a wide range of disciplines, from personal health to business leadership to neuroscience.
Big Think's contributors offer expert analysis of the big ideas behind the news.
Big Think's Edge learning platform for career mentorship and professional development provides engaging and actionable courses delivered by the people who are shaping our future.
Big ideas in little doses
Facebook and other social media are becoming permanently woven into our society's fabric, says NYU telecommunications professor Clay Shirky. Privacy is a 20th century notion.
Social media sites have been credited with helping protesters in Egypt organize and spread news before the government blackout. But is the importance of communications technology to modern revolutions overblown?
It's clear that green technology strengthens our security and helps the environment, but can it be economically advantageous also? Harvard Business School professor Robert Eccles believes so.
The powers that be are currently convening at the World Economic Forum in Davos, Switzerland. But is this high-profile meeting of minds really the best setting for predicting and responding to the world's future crises? Or does it fall prey to the same biases that triggered the recent recession in the first place?
Get a front row seat to what the future holds by tuning into a LIVE webcast called "Farsight 2011: Beyond the Search Box" on February 1 from 10am to 2pm PST on BigThink.com
The global recession pushed climate change action toward the bottom of the geopolitical agenda. Yet President Obama bucked conventional wisdom Tuesday night by making clean energy technology a centerpiece of his State of the Union Address.
The miraculous recovery of U.S. Rep. Gabrielle Giffords has focused attention on the advances in treatment for brain injuries previously thought to be non-survivable. Tack one up for military medicine.
How badly could things have gone during Chinese President Hu Jintao's visit to Washington? How much room was there for actual negotiation?
The legendary chess grandmasters, who have spent thousands of hours analyzing each other's games, describe and critique each others' playing styles.
The media has speculated that Arizona gunman Jared Loughner's heavy use of marijuana could be behind his psychotic behavior. Forensic psychiatrist Michael Stone looks at the science behind this claim.
The World Wide Web turned 20 this month. To mark the occasion, its creator and protector, Tim Berners-Lee (who invented it so that particle physicists from CERN—the current home of the Large Hadron Collider—could collaborate remotely) warns that the egalitarian ubiquity of the Web "is being ...
University of Notre Dame law professor John Copeland Nagle thinks it defies representative government for an outgoing Congress to pass legislation after an election.
A series of infographics comparing the two countries puts their growing rivalry into perspective.
A new bioplastic made from switchgrass is durable, capable of withstanding high temperatures, and, most importantly, biodegradable. Could this technology placate critics of corn-based alternatives?
The money you donate to feed starving children may actually be prolonging war in places like Darfur and Somalia, says Dutch journalist Linda Polman.


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Education and Training for the Oil and Gas Industry: Building A Technically Competent WorkforceElsevier Science 2014; US$ 99.95
Volume 2 of the Getenergy Guides series explores the challenges of developing a technically competent workforce for the oil and gas sector globally. The cases in this Volume explore practical examples of the efforts of oil and gas companies, contractors, educational institutions and governments to develop competent, vocationally-trained employees... more...
Optical Radiometry for Ocean Climate MeasurementsElsevier Science 2014; US$ 215.00
This book presents the state-of-the-art of optical remote sensing applied for the generation of marine climate-quality data products, with contributions by international experts in the field. The chapters are logically grouped into six thematic parts, each introduced by a brief overview. The different parts include: i . requirements for the generation... more...
Coastal and Marine Hazards, Risks, and DisastersElsevier Science 2014; US$ 150.00
Sea and Ocean Hazards, Risks and Disasters provides a scientific approach to those hazards and disasters related to the Earth's coasts and oceans. This is the first book to integrate scientific, social, and economic issues related to disasters such as hazard identification, risk analysis, and planning, relevant hazard process mechanics, discussions... more...
Long-Term Community Recovery from Natural DisastersTaylor and Francis 2014; US$ 69.95
Today, governmental efforts at long-term community recovery from a natural disaster consist primarily of rebuilding the physical artifact of the community. This entails reestablishing vital community services and infrastructure and creating housing to replace that which has been lost. While restoring the built environment of a disaster area is essential,... more...
Surface Wave Analysis for Near Surface ApplicationsElsevier Science 2014; US$ 99.95
Seismic Wave Analysis for Near Surface Applications presents the foundational tools necessary to properly analyze surface waves acquired according to both active and passive techniques. Applications range from seismic hazard studies, geotechnical surveys and the exploration of extra-terrestrial bodies. Surface waves have become critical to near-surface... more...
MagnetoconvectionCambridge University Press 2014; US$ 96.00
Leading experts present the current state of knowledge of the subject of magnetoconvection from the viewpoint of applied mathematics. more...
Wildfire Hazards, Risks, and DisastersElsevier Science 2014; US$ 129.95
More than 90% of wildfires are caused by human activity, but other causes include lighting, drought, wind and changing weather conditions, underground coal fires, and even volcanic activity. Wildfire Hazards, Risks, and Disasters, one of nine volumes in the Elsevier Hazards and Disasters series, provides a close and detailed examination of wildfires... more...
Ecological Causal AssessmentTaylor and Francis 2014; US$ 129.95
Edited by experts at the leading edge of the development of causal assessment methods for more than two decades, Ecological Causal Assessment gives insight and expert guidance on how to identify cause-effect relationships in environmental systems. The book discusses the importance of asking the fundamental question "Why did this effect happen?"... more...
Digital FuturesTaylor and Francis 2014; US$ 49.95
Beyond the hype about dot-coms, WAP phones and dot-com entrepreneurs, what impacts will e-commerce have on society? How will it affect jobs and local communities? What will it mean for the environment - for energy use, transport and the future shape of our cities? How can we ensure that everyone enjoys the benefits of the new digital technologies?... more...
Environmental Risk ManagementTaylor and Francis 2014; US$ 141.95
This timely publication considers recent developments in environmental risk management as they relate to commercial organizations, including risk transfer through insurance. It starts by looking at characterization of risks based on the hazard-pathway-receptor principles, emphasizing the importance of site specific factors. Environmental risks are... more...


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In Washington, the House of Representatives passed a compromise budget deal that preserves tax cuts for most Americans. The deal prevented drastic automatic spending cuts and tax increases going into effect.
The US Congress has released new figures on the country's budget, showing a massive drop in the deficit. The figure represents the least amount of red ink on the US balance sheet during Barack Obama's time in office.
High debt, zero growth and weak support at home - France's leaders have their work cut out for them trying to implement much-needed reforms. DW takes a look at the state of the eurozone's second-largest economy.
The White House has denied a media report that it's planning to close Guantanamo Bay by circumventing Congress. Opposition Republicans have warned the president against unilaterally closing the prison.
Politicians in Washington have voted in favor of plans for the US military to arm and train moderate rebels in Syria, as it plans attacks on "Islamic State" fighters also opposing President Bashar al-Assad.
© 2014 Deutsche Welle | Legal notice | Contact


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ISTANBUL — Turkish President Recep Tayyip Erdogan says no final decisions have been reached for Turkey to start training rebels fighting the Islamic State and Syrian government forces.
A U.S. military delegation spent two days late last week in Ankara discussing details of the train-and-equip mission, but Erdogan's remarks raises doubt about when training could start.
He spoke to reporters before leaving on a trip to Algeria.
The issue will be among topics that retired Marine Gen. John Allen, the U.S. envoy for the international coalition to counter IS, will have Wednesday with Turkish officials in Ankara.
Erdogan said the coalition still has not taken steps toward a comprehensive strategy in Syria, which he insists must be focused on the removal of President Bashar Assad.
All content copyright ©2014 Daily Journal, a division of Home News Enterprises unless otherwise noted.
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Dr. Phillip Washington III specializes in general dentistry in Ardmore, Oklahoma.
Dr. Phillip Washington III has been compared 15 times. Details of Dr. Washington's experience as an DDS are available on your free dentist report.
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Dr. Phillip Washington
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What does it mean if a guy says 'he has become attached to you.'
It is not something I have heard before & I have a general idea, but am not SURE what it means.What are you supposed to say, when a guy says that?Is he offended if you don't respond?Is a guy saying attached, different than being attached ?Like: ' I'm crazy about you ' ,is different than being CRAZY.
What's Your Opinion?
Most Helpful Opinion
A man is saying he thinks a lot about you during the day when you are not there, fantasizes about you during the night and is curious about you as a person. Its not necessarily that he loves you but more that he feels the need to be around you. Its a way of saying he is willing to open up his mind and one day his heart to you if he continues to do the above. At least that's when a man's man (mature) tells you so.When a boy-man (immature) tells you that its saying he cares about you but is unsure about his feelings for you romantically.Up to you to know whether the man saying so is a boy-man or a man's man though to be sure.
Thanks for breaking it apart for me, that is very helpful. :-)When a boy-man (immature) tells you that its saying he cares about you but is unsure about his feelings for you romantically. "So if in addition, he is attracted to you & likes you as a person 7 thinks your really interesting &smart & likes being with you, then is that boy or man or is it just trying to get laid haha ( joke, sort of :-)
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East Baltimore Development, Inc.
One of 10 Forward Promise Innovation Grantees, Elev8, provides mental health support to middle school boys in East Baltimore.
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One of 10 Forward Promise Innovation Grantees, Elev8, provides mental health support to middle school boys in East Baltimore.
October 31, 2014 | Culture of Health Post
What can the Foundation do to strengthen the systems—health care, education, community—to create a web of support for families?
July 8, 2014 | Program Results Report
The Community Council of Greater Dallas developed Youth and Family Impact Centers of Dallas, many with co-located staff, as a way to address the multiple needs of high-risk youth.
January 28, 2014 | Program Results Report
The Fragile Families and Child Wellbeing Study looks at the causes and consequences of childbearing outside marriage. The study team, based at Princeton and Columbia universities, shares data and findings with researchers and policy-makers.
June 14, 2013 | Program Results Report
Urban Health Initiative: Working to Ensure the Health and Safety of Children was a 10-year, $63 million program to improve community-wide outcomes for children in five cities: Baltimore; Detroit; Oakland, Calif.; Philadelphia; and Richmond, Va.
October 8, 2010 | Program Results Report
The Brotherhood/Sister Sol delivered a comprehensive array of services designed to promote the health and stability of young Black and Latino males in the Harlem neighborhoods of New York City.
March 24, 2010 | Program Results Report
Shaniqua Ballard was living without much hope in a shelter for pregnant women, with little money and no health insurance, until she discovered the Developing Families Center, where she received obstetric and well-woman care, and enrolled her children in the child development program.
April 1, 2004 | Program Results Report
The American Indian Prevention Coalition undertook a planning process to develop a program aimed at preventing substance abuse, violence and other risky behaviors among Native American youth living in Phoenix.
August 28, 2008 | Program Results Report
About 3,250 low-income children, most Asian, Pacific Islander and Latino, live in the Tenderloin neighborhood of downtown San Francisco.
March 18, 2002 | Program Results Report
The Children and Youth Investment Partnership, Washington, increased the scale, scope, and effectiveness of non-school-hour services for youth and children living in Washington.


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The Land of Bone & Stone
When you stand on the South Dorset Ridgeway you are surrounded by some of the most spectacular scenery in England. Everywhere you look you see history in the landscape; this is one of the most important pre-historic landscapes in Europe.
The South Dorset Ridgeway Landscape Partnership Scheme takes an ambitious approach; bringing together a diverse partnership of archaeologists, historians, landowners, artists, naturalists, teachers and, most importantly – local people, to nurture this distinctive landscape.


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Dr. Lynn Morton announced as Queens' new provost
Dr. Lynn Morton has been named Queens University of Charlotte's new Provost and Vice President for Academic Affairs, announced by President Pamela Davies.
Dr. Morton joined Queens more than two decades ago as an adjunct faculty member who then rose through the ranks to become an associate professor of English. Her first administrative assignment was Director of Freshmen Writing, during which she initiated and oversaw comprehensive program change. Dr. Morton went on to lead a review and reorganization of The Core Program in the Liberal Arts and then to serve as Department Chair for English.
In 2009, she was named Associate Vice President for Academic Affairs and was charged with leading Queens' SACS reaffirmation of accreditation review. Under her leadership Queens achieved full reaffirmation with no recommendations for improvement -- an extremely rare outcome. That result was attributable in large part to Dr. Morton's outstanding work to get Queens ready for the review, as well as her ability to lead an internal review team and prepare a comprehensive and compelling report. Most recently, Dr. Morton served as the Dean of the College of Arts & Sciences where she furthered her reputation as a highly collaborative leader.
"Dr. Morton has broad and deep relationships throughout the university, the trust of the faculty and staff, and understands Queens' culture and traditions," said President Davies. "I am confident that with her leadership, we can advance our work and serve our students at even higher levels than before."
- The Dean's Digest - November 2014
- Queens announces addition of NCAA Division II women's field hockey program
- The Entrepreneur Leadership Circle holds its 2014 Hall of Fame induction event
- Dr. Roger Baumgarte, author of "Friends Beyond Borders," to present at Queens
- Triathlete Holly Annas '12 demonstrates world-class endurance and enthusiasm
- Dean Eric Freedman appointed to the Library Board of Trustees
- The Duke Endowment awards Queens a $478,593 research grant
- Queens takes part in the Campus Election Engagement Project
- Second Novel Book Deal
- The Dean's Digest - October 2014


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Ed Reed Watch: Reed Expected To Arrive In One Week
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HOUSTON (CBS Houston) - Super Bowl winning safety Ed Reed could be arriving in Houston in as early as one week, according to Texans head coach Gary Kubiak.
"I had a long conversation with Ed yesterday. He got back to Atlanta on Saturday. He's in a rehab program there in Atlanta," Kubiak said Wednesday.
"(Reed) will be back here as we approach the mandatory minicamp and be here for rehab process so you guys should see him in…about a week."
Next week the nine-time Pro Bowl safety will meet up with his former Ravens' teammates for a trip to the White House. Players and coaches will also receive their official Super Bowl XLVII rings in a private ceremony June 7. After that, Reed will be headed for Houston.
Despite being in Houston, Reed will not participate in the mandatory Texans minicamp from June 11-13 after completing his rehab. The Texans expect Reed's return to team activities sometime during training camp which begins July 26.
Reed has been notably absent since signing a three-year, $15-million contract with the Houston Texans March 22. Reed has missed all organized team activities and minicamps since having hip surgery in April for a torn labrum.
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Just today I learned the identity of my 3rd great-grandmother, who was wife of John Phillips (Philips) of Washington Co PA - moved to Trumbull/Mahoning Co OH in 1830's.
Her name was Salome Spindler, according to her son Jacob's marriage record.
I found a Jacob and a Nicholas Spindler in East Bethlehem in the 1810 census - on the same page was an Elijah Philips. I'm hoping all these people are connected to my John Phillips and Salome Spindler. He was b. ca 1793-1797 in Washington Co PA, and she was probably b. sometime before 1807. Salome probably died between 1835 (birth of her last known child) and 1841, when John m. 2)Mary Ann Duncan, also of PA.
Any help would be much appreciated. I have found three of their children - named Rosanna (sometimes Susannah), Jacob and Hudson.
Thanks very much.
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September 11, 2014
Little Rock, Arkansas
Retired Banker and former RMA HQ Board Member Micky Ribgy appeared live on stage with a collection of solo guitarists to an engaged, packed audience. Several RMA members attended including Bill Githens, Cndee Munro and David Marks. Rigby and his fellow musicians have played across Arkansas and beyond. You can find some of Rigby's previous performances on YouTube.
WELCOME - Central Arkansas RMA Chapter is proud to begin serving your area and all four corners of the Natural State. We have RMA training classes under development for the NW Arkansas Corridor. Please visit our Training Page for classes scheduled in April 2015. Please bookmark this site for updates and take a moment to explore our website content. Please contact Chapter President David Marks email@example.com if you have any questions.
Chapter Treasurer and Women in Banking Committee Co-Chair Christine Miller of Heartland Bank is the 1st Ever Winner of the New Annual Central Arkansas RMA Chapter President's Award. This recognition was given at our May 20 - Women in Banking Luncheon / Panel Discussion. In addition to public recognition and a lovely plaque, Miller was a awarded a Visa Gift Card.
Christine Miller / Heartland Bank
Central Arkansas RMA Chapter was named as a Finalist for the 2014 RMA HQ Chapter Excellence Award for Communications. Other finalists were the Los Angeles California Chapter and the Vermont Chapter. The Communications category is composed of chapter efforts in our Website, Email Marketing and Quarterly Newsletter. This is the 1st time a chapter in the Mid-South Region has been named a finalist for the Excellence Award.
Luncheon Event
Women in Banking
Luncheon - Panel Discussion
May 20, 2014 - 11am to 1pm
Central Arkansas RMA Chapter proudly hosted our first ever Women in Banking Luncheon and Panel Discussion Tuesday, May 20, 2014 from 11am - 1pm at the William J Clinton Presidential Library Grand Hall in Little Rock, Arkansas. Approx 170 Attended this event. For complete details please click the blue Women in Banking Tab at the top of the toolbar.
RMA - WIB - Event Program.pdf
Program Sponsored by Wright, Lindsey and Jennings LLP
Panelists included:
Barb Godin – Regions Financial Senior EVP / Chief Credit Officer – Birmingham, Alabama
Amy W. Johnson - Simmons First National Bank Senior Vice President / Marketing
Patricia Johnson – US Bank VP Senior Relationship Manager / Private Client Group – Little Rock
Debbie R. Knight – One Bank & Trust Company Senior Vice President / Retail Administration – Little Rock
Heather Landy – Editor-in-Chief American Banker Magazine – New York
Judy Lawton – Heartland Bank Chief Financial Officer / Chief Operating Officer – Little Rock
Karla Payne – Arvest Bank Chief Financial Officer – Lowell, Arkansas
Special Event
Fall 2015
When you think of Risk Management what is the first thing to come to mind? Paintball of course. Enjoy an afternoon of Team Building, Strategy, Triumph, Struggle, Fun, Food and Fellowship as you fight to survive against your fellow financial services peers. Is there a banker who you just love to hate? Somebody who always beats your deal or gets your goat? Well, now is the time to get 'em back. Just Paint, Baby!
Contact Ryan Carrus / Chapter Vice President for more information: firstname.lastname@example.com
Largest Paintball Range in Arkansas!
Founded in 1914, The Risk Management Association (RMA) is a not-for-profit, member-driven professional association, whose sole purpose is to advance the use of sound risk principles in the financial services industry. RMA promotes an enterprise approach to risk management that focuses on credit risk, market risk, and operational risk.
Headquartered in Philadelphia, Pennsylvania, RMA has approximately 2,500 institutional members that include banks of all sizes as well as nonbank financial institutions. They are represented in the association by 16,000 risk management professionals who are chapter members in financial centers throughout North America, Europe, and Asia/Pacific.
RMA - Info.pdf
2014-2015 Annual Statement Studies Submissions
Deadline: Friday, July 11, 2014
Send submissions to firstname.lastname@example.com
Click here for more information.
About the Chapter
The Central Arkansas Chapter, like all RMA chapters, is organized and run by volunteer members. We strongly encourage current or prospective members to become involved in shaping the future direction of the chapter by contacting any of the current officers or committee chairs. We would also be happy to discuss the many benefits that can be derived from membership in RMA.
Our Chapter Board continues to recruit and welcome new members. Contact us today to learn more.
Join RMA and the Central Arkansas Chapter
To find out more information about this chapter please contact:
Karen Davidson
Summit Bank
Benton, AR
Also visit the Mid-South Regional Chapter website.
RMA - Newsletter - 4Q2014
Social Media
Join Central Arkansas RMA Chapter on our recently created Facebook and LinkedIn pages. Please visit and 'Like Us' today!
Facebook LinkedIn
Jan Hargrave - Bio & Program
Jan Hargrave teaches you the ways in which your body communicates to the world around you. Her information could help you to "read" your customers, your family, your students, your associates, in fact, everyone around you. Ms. Hargrave continues to inspire many of today's leading corporations, such as Lockheed Martin, Merrill Lynch, Starbucks, Rockwell, ESPN, Sun Life Financial Distributors, Exxon, Chase Manhattan Bank, NASA, El Paso Energy, Bank of America, and at the USA MWR Training and Development Center in Heidelberg, Germany.
Jan Hargrave teaches you the ways in which your body communicates to the world around you. Her information could help you to "read" your customers, your family, your students, your associates, in fact, everyone around you. Ms. Hargrave continues to inspire many of today's leading corporations, such as Lockheed Martin, Merrill Lynch, Starbucks, Rockwell, ESPN, Sun Life Financial Distributors, Exxon, Chase Manhattan Bank, NASA, El Paso Energy, Bank of America, and at the USA MWR Training and Development Center in Heidelberg, Germany.
Clinton Presidential Library - Little Rock
Past Events
Luncheon Event
William 'Bill' Githens
RMA HQ President & CEO
Philadelphia, PA
September 11, 2014
Nearly 50 attended this luncheon event to listen to Mr. Githens talk about the history, purpose and benefits of the Risk Management Association. He shared many Centennial Celebration facts with the audience and touched on regulatory current events. RMA HQ Regional Manager Cindee Munro also attended.
Breakfast Meeting
Stephen Cosby, MAI, MRICS
Executive Vice President | Managing Director
CBRE | Valuation & Advisory Services
July 31st, 2014
Comprensive overview of the Central Arkansas Commercial and Residential Real Estate Markets. Mr. Cosby presented Capitalization Rate and Value Trends and Determiners. Northwest Arkansas was also included with spotlights on Fort Smith, Hot Springs, Jonesboro and Pine Bluff. Approx 50 attended our 2nd Annual Breakfast Meeting.
Stephen Cosby, MAI, MRICS, is an Executive Vice President and Managing Director overseeing the North-west Arkansas and Little Rock offices of the South Central Region of CBRE. He has over 30 years of profes-sional experience in real estate appraisal and consulting. He has completed real estate appraisals, feasibility studies, rent analyses, litigation and market studies of commercial and residential properties in over a dozen states. Mr. Cosby holds the MAI designation and was one of the first appraisers in Arkansas to be certified as a Certified General Real Estate Appraiser.
Sponsored by CBRE
Hosted by BKD LLP
Lending to Wealthy Borrower's
March 3, 2015
Little Rock, Arkansas
Host Site BKD LLP
Course Overview
Financial institutions that identify and meet the needs of wealthy individuals, and that can analyze the risks involved, have the opportunity to build profitable long-term relationships with these clients and their referrals.
Lending to the wealthy is somewhere in the middle of the commercial side and the retail side of banking. Wealthy clients aren't looking for the restrictions of consumer lending or for commercial lending based on corporate loan policy; they often look for a banker who can provide sizable, flexible credit facilities on a timely basis and who can understand and execute their requests for credit and noncredit services.
However, bankers servicing these individuals must be alert to the potential pitfalls. It is rare to have access to audited financial statements, so the banker must become more astute about obtaining, verifying, and analyzing financial information when making a credit decision.
Who will benefit?
If you are a lender, private banker, credit officer, credit analyst, or loan review officer with little or no experience lending to wealthy individuals, this introductory course will give you the basic information you need to make an informed loan decision when considering an application from a wealthy individual.
You will:
Lending to Medicial and Dental Practices
April 9, 2015
Little Rock, Arkansas
Hosted by Heartland Bank - Corporate HQ
Course Overview
Many opportunities exist today for banks to provide services to medical and dental practices. To understand where the opportunities are, you must first understand the trends in this rapidly evolving industry. This course provides that insight.
Who will benefit?
If you are a lender, credit officer, credit analyst, or loan review officer with little or no experience in lending to medical or dental practices, this course will give you the information you need and the confidence you want when considering a credit for these groups.
You will:
Continuing Education Credits
NASBA CPE Hours: 8.0
Event#: 302022-15
Special Discount
Utilize online registration for a $25 discount
Registration Available
Please visit our Training Page for details
Your Central Arkansas Board Members:
President: David Marks, Arvest Bank
Vice President: Ryan Carrus, CAIA, Carrus Financial Mgmt
Treas/Events: Christine Miller, Heartland Bank
Secretary: Colbey Frisbee, Centennial Bank
Golf Committee Co-Chairs:
David Coleman, Simmons First National
Colbey Frisbee, Centennial Bank
Education: Phillip Partain, Simmons First National
Board Members:
Jackson Balentine, Regions Bank
Gary Edwards CPA, BKD LLP
Robb Fiser, Arvest Bank
Marcus Guinn, Arvest Bank
Gates Neiman, Regions Bank
Amy Pierce, DD&F Consulting
Robert Smith, Friday, Eldridge & Clark
Matthew Snyder, Regions Bank
David Straessle, Relyance Bank
Neal Wimberly, Rabo AgriFinance
Past President: Karen Davidson, Commercial National Bank
September 11, 2014 - After Party at the Afterthought
3Q2014 Board Meeting hosted by BKD LLP from the 25th Floor of the Regions Bank Tower.
Several members of the Chapter Board enjoyed dinner with author / banker Richard J Parsons at Bosco's in Little Rock River Market District. Parson's book 'Broke: America's Banking System' is published by the Risk Management Association. Parson's was a Luncheon speaker on November 2013 at the Clinton School of Public Service.
Chapter Board presents donation check to Chad Kaufman, President, Junior Achievement of Arkansas. Together we hope to increase Financial Literacy and Work Force Readiness in K - 12 students across Arknasas.
Panel Discussion - Lending Horror Stories
& Pitfalls @ Arkansas Arts Center, Little Rock