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Originally published Thursday, December 19, 2013 at 8:17 PM
Fired Microsoft manager, pal, charged with insider trading
A former Microsoft finance manager and his day-trading friend appeared in federal court Thursday on charges they used insider information to raise seed money for their dream of owning a hedge fund.
Seattle Times staff reporter
A former Microsoft finance manager and his day-trading friend appeared in federal court Thursday in Seattle on charges they used insider information to raise seed money for a hedge fund.
Brian Jorgenson, 32, and Sean Stokke, 28, were charged in a complaint with 35 counts each of insider trading, alleging they made nearly $400,000 in three market transactions that were based on secret financial information Jorgenson was privy to as a senior manager at Microsoft's Finances Group.
Jorgenson made $130,000 a year at Microsoft before he was fired.
Both men waived their right to a preliminary hearing, and U.S. Magistrate Judge Mary Alice Theiler released them on their own recognizance and told them to stay away from one another.
Meantime, the Securities and Exchange Commission (SEC) filed a lawsuit against the men in federal court, seeking to seize any illegal profits.
Jorgenson admitted to the crimes in an interview with The Seattle Times on Tuesday, although he did not identify his friend, who is described by prosecutors as a "day trader" who had previously worked with Jorgenson at a Seattle asset-management group.
Stokke appeared in court with public defender Jennifer Horowitz, who was appointed to represent him after he told the judge the stock funds listed on a financial-disclosure sheet had been seized by the government.
Stokke declined to comment after the hearing.
Jorgenson, who lives in Lynnwood with his wife and four children, had worked at Microsoft for three years. He was fired after his link to the trades was discovered.
A Microsoft spokeswoman said the company has no tolerance for insider trading and that it cooperated with federal agents and prosecutors.
The charges allege Jorgenson provided Stokke with information about three financially significant events over the past 18 months — the company's $300 million investment in Barnes & Noble and the Nook e-reader in April 2012; Microsoft's failure to meet earnings estimates in the first quarter of fiscal year 2013; and the increased earnings estimate in the first quarter of fiscal 2014.
In each instance, Stokke made trades or invested in financial instruments that profited from the information, according to the charges. Prosecutors allege they made $392,000.
In the interview with The Times, Jorgenson said the amount was closer to $200,000, but that he did not have direct access to the accounts.
Jorgenson said he was paid $40,000 for the inside information.
The complaint alleges the men tried to cover their tracks by using throwaway "burn phones" and taking some of the money in cash.
The federal charges allege Jorgenson and Stokke planned to use the money to start a hedge fund they intended to call "BioHawks Investment Group."
Neither the complaint nor the SEC lawsuit details how the men were caught.
Assistant U.S. Attorney Katheryn Kim Frierson said she would not discuss "tactics," but added that it is "well known that we monitor transactions" around corporate public statements and financial announcements.
Jorgenson, who describes himself as a Christian, said he went public after being caught in hopes that others might learn from his mistake.
Mike Carter: 206-464-3706 or firstname.lastname@example.com. Twitter: @stimesmcarter.
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Bjørn Lomborg - How to save the world.
Malnutrition is one of the world's biggest challenges, afflicting 1 of every 6 of us. Although we are moving in the right direction—despite adding more than 70 million people to the global population each year, the number of those suffering from malnutrition has been falling—more than 3 million people will die this year from poor nutrition. Some 800 million are chronically undernourished.
The most wellknown form of malnutrition is a lack of calories. But there is another, more prevalent form. It isn't obvious or easily photographed, and so it attracts scant attention. Yet it could be solved with remarkable ease. It is the unsexysounding "micronutrient deficiency"—a lack of iodine, vitamin A, and iron.
Children lacking iodine do not develop properly, either physically or intellectually. All they need is salt fortified with iodine. An absence of vitamin A increases the risks of blindness. The nutrient could easily be made more readily available in staple food items, such as genetically modified golden rice.
Iron deficiency affects as many as 3.5 billion people—more than half the world's population. An iron deficit stunts growth and impedes mental abilities—stealing up to 15 IQ points from the average child. It reduces a person's ability to perform manual labor by as much as 17 percent. Today, it's battering the health and energy of half a billion women and stunting the growth of 40 percent of the developing world's children. Yet we already know how to solve this problem: The fortification of flour, rice, and salt is cheap and simple. In other cases, iron cooking pots, which slowly emit iron, could be distributed in poor countries.
Dealing with micronutrient deficiency would quickly and cheaply improve the lot of billions of people...
Simple, sensible and unsexy solutions - if a hundredth of the effort that goes into the AGW scare went into this real problem what a difference it would make.


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Ian Salisbury's Comments
Comment on: End of the road for RIBANet
Although RIBANet will go tomorrow it will be interesting to see how the RIBA deals with the knowledge base it contains, for there is a wealth of information in in. I suspect that being of the ether rather than in hard copy it will not recognise its value and all will be destroyed. Burning books comes to mind.
Comment on: ARB chair defends 'mass strike-off' of 2,000 architects
Although fees charged in advance of a service provided is becoming more frequent, architects generally continue to charge in arrears for services provided. That requires a level of trust and it is therefore somewhat galling that the ARB has changed its rules to a level of zero trust in the profession. Be that as it may, the acid question is whether it is lawful for the ARB to collect fees during the year preceding the year of retention. The wording of section 8(1) of the Act is ambiguous and it should therefore be read (under the normal rules of statutory interpretation) to the advantage of the payer, that the registered person pays the retention fee for retention "in any calendar year after that in which it was entered" That being so it seems likely to me that once again the ARB is acting unlawfully, not only in striking out members (which in the Act is described as being not mandatory but as a discretionary consequence of a failure to pay) but by charging additional and perhaps punitive fees for "application" and for "reinstatement" as well as for "retention".
Comment on: ARB kicks 2,000 architects off register for non-payment
The 6% should enjoy their freedom while it lasts.
Comment on: ARB defends itself against 'kangaroo court procedures' claims
See the qualification and training required of the Arb's investigators at http://tinyurl.com/Arb-inv-quals, and the qualifications and training required of members at the PCC at http://tinyurl.com/Arb-PCC-quals. You would expect both to be at least equal to those on the register.
Comment on: George Oldham found guilty of misconduct over 'ethnics' email
Your reporter was not in Glasgow to hear the case against Oldham, or his defence. The only evidence that the Board brought against Oldham was merely that he had used the words 'the ethnics', which Oldham admitted. It did not explain how the use of (what is in fact) objective language could have been in any way pejorative of any individual, nor was there any evidence that anyone had been insulted or demeaned. Questioning from the PCC chair showed however that the PCC was prepared to consider a conviction on the basis of nothing more than a negative inference - the kind of justice that was prevalent in political cases 450 years ago and which has no place in a civilised society. Oldham, anticipating what the PCC was up to, denied the implied usage, and said that he had put the words in inverted commas to show he was doing nothing more lampooning the RIBA president. There was no other evidence against Oldham. The finding against Oldham, which I also heard, was based entirely upon a case that had been invented by the PCC. It bore no relationship either to the charge or to the evidence. But what was of greater concern was that the golden thread that runs through British justice of 'innocence until proved guilty' was nowhere to be found. The whole process was a disgrace and an embarrassment. I well remember George Oldham, with a group of others including Kate Macintosh and Peter Ahrends, leading the RIBA's schools policy against the apartheid regime in South Africa. The Arb has no memory of such matters and, it seems, has failed to learn any sensible discernment.
Comment on: Getting shirty: Murray sidesteps the Olympic marketing ban
One of the less known provisions of the Copyright Act, which I fought hard to get included in the moral rights section (Chapter IV), is the following: 77.-(4) The author of an artistic work has the right to be identified whenever ... in the case of a work of architecture in the form of a building or a model for a building ... copies of a graphioc work representing it, or of a photograph of it, are issued to the public. -(5) The author of a work of architecture in the form of a building also has the right to be identified on the building as constructed ... The key to asserting these rights is to simply to assert them "by instrument in writing signed by the author ..." I would be interested to know whether there is any reason why these assertions cannot be made retrospectively, and effectively. These are not contract obligations, they are statutory rights.
Comment on: Parnaby bags ARB vice chair role
Clearly the Board is being overun by educationalists.
Comment on: Ruth Reed's RIBA: How was it for you?
The Presidency has become a sinecure; but without the money, of course.
Comment on: ARB plans to scrap controversial PII form
I've always held that the ARB has made it its business to discredit architects, and the PII issue is a good example of that. After spending hundreds of thousands of pounds of our money, ARB have suceeded not in uncovering a swathe of uninsured architects, but in making the public and our clients suspicious. The ARB may have its reassuring words, but the sub-message, in my view, has always been: "trust us, not them". That is why we need an effective professional institution, and not a statutory authority.
Comment on: RIBA slammed over panel 'fiasco'
Mr Little bases his assertion on his own question and Mr Bingham raises a suspicion. As one of the assessors may I dispel any doubt about the selection process. 1. The RIBA, having invited me to join the assessment panel, required my own application to be assessed before independent assessors. That, somewhat discomfortingly, was done. If I had failed that examination, I have no doubt that my invitation to join the panel would have been withdrawn. 2. All candidates were informed of the criteria that were to be used before they were invited to submit for selection. Those criteria, and no other, were strictly applied. 3. I have no part in the nomination of adjudicators. That is an exercise carried out by the RIBA's expert officers, or by the President on those officers' advice.


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Austin, TX Sept 10, 2008 -- University of Texas at Austin alumnus, Chris Stanford (MSEE '91), and Electrical & Computer Engineering undergraduates are working on making exercise fun for wheelchair users. For the last year, Stanford has been partnering with engineering seniors to test his idea for a virtual reality treadmill for the disabled.
"Not many people realize," says Stanford who has been using a wheelchair since 1988, "the special health risks faced by wheelchair users. Everything is more difficult, including eating right and getting enough exercise. Because of this, the incidence of obesity, diabetes, and cardiovascular disease is several times the rate of the general population."
Stanford's solution, called TrekEase, approximates an arcade driving game. Users back a manual wheelchair into a frame, engage the flywheel for resistance, and start the driving software.
"When Chris approached me last year about using [TrekEase] as one of our senior design projects," says UT-ECE professor Jon Valvano "I was enthusiastic. It's an interesting engineering challenge. He came in with a mechanical system that had already been vetted for safety. The students added software and sensors that make the experience interactive."
Users can control speed and direction. A new group of students is continuing the project this semester. They plan to enhance the existing design so the system detects tilt making flight simulation possible and to work on the packaging so it will be affordable and easily reproducible.
"There is no way I could've done this by myself. I don't have the skill set," says Stanford." The students are amazing. They step up to every challenge."
The Department of Electrical & Computer Engineering at The University of Texas at Austin is a top-10 program devoted to producing high-quality engineers and research. www.ece.utexas.edu
If you'd like more information about this topic, please see http://www.youtube.com/watch?v=Ivq03LDyHfE (video of the student project) and www.trekease.com. To schedule an interview with Christopher Stanford, please call Chris at 512.567.2066 or email Chris at email@example.com. For information on The University of Texas at Austin, please call Stephanie Peco at 512.232.4298 or email her at firstname.lastname@example.com.
AAAS and EurekAlert! are not responsible for the accuracy of news releases posted to EurekAlert! by contributing institutions or for the use of any information through the EurekAlert! system.


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Welcome to the Splitcoaststampers ("SCS") Site Posting Rules. We thank you in advance for your cooperation with our policies.
SCS is an open community - everyone is encouraged to participate, and everyone is welcome until a member proves that it is unlikely that he or she will comply with the rules.
Any guidelines we institute are in addition to rules of common sense and courtesy, and we are not outlining or providing for every situation. The simple rules we write here can in no way constitute the entire scope of how SCS will be managed. We can only provide the guidelines, and do our best to maintain this site with its original purpose in mind - providing a place for people to get together and share their creativity and talent, and provide support for one another in a positive way.
SCS expects and welcomes contributions that stimulate and add to our creative atmosphere. While encouraging all discussions, we expect all participants to treat each other with respect and courtesy.
With those thoughts in mind, here are some simple guidelines to follow to help maintain the site in a positive way:
We maintain BST and Swap forums for our members to use. Although we cannot guarantee any sales/trades, we will ban users who do not fulfill obligations they have agreed to. If you intend to hostess a swap, buy, sell, or trade on this site please do so with the knowledge that if you do not follow through you may face mail fraud charges from the individual you are doing the sale/trade with, as well as permanent banning from the site. We will use our best judgment and evidence provided to us by affected members in making all disciplinary decisions. We thank you in advance for working to ensure all sales, trades and swaps are carried through. Our guidelines for BST are below.
Be aware that the B/S/T forum is not intended for profit/retail sales listings, nor is it intended for operating a "virtual store business." Listings/posts may be considered a Virtual Store Business if any of the following applies:
As a courtesy to our members who are Stampin' Up! demonstrators, the posting of current stamp sets and/or accessories is prohibited in our forums.
When posting your items that you wish to buy, sell, or trade, follow these instructions:
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If you would like to purchase advertising on our site, please visit our advertising information site or send an e-mail to firstname.lastname@example.com.
Sales listings are limited to RETIRED ONLY SU! merchandise for customers and SU! demonstrators alike. By eliminating the sale of current sets entirely, we remove questions and uncertainty about the demo status of sellers.
Items in the SU! catalogs are considered current until they have been officially retired (all retired items are announced before the end of a catalog period), and the pertinent new catalog is available for retail sales. All items on the dormant list or any items not officially retired are considered current and may not be sold in the B/S/T forums.
Postings in the ISO (want to buy) forum may not include current SU! merchandise. Current or retired SU! stamp sets may be traded, however. Post your listing in the Trade forum.
Discontinued ink colors can be sold in any style pad. Pads may be listed for sale only if the color is a retired/discontinued color, regardless of the packaging. *Edited 12/11/07*
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SUMMARY: With email sends typically only featuring promotional content, the marketers at Calendars.com needed a way to engage with customers during slower months.
Stretching out of the promotional track, they built a new monthly newsletter around blog and social media content. In this case study, see how integrating the Calendars.com Pinterest, Facebook and blog content into new "Flip Day" sends celebrating the first of the month allowed a brand-loyalty building conversation with subscribers.
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Probe inside Sandy Hook school could take months to complete
Schools reopen in Newtown today; no word when Sandy Hook students will return to class
|Frank Kulick walks past a display of wooden crosses and a Jewish Star of David representing the victims of the Sandy Hook Elementary School shooting on his front lawn in Newtown on Monday. David Goldman/AP
NEWTOWN -- Sandy Hook Elementary School will remain closed indefinitely while state police continue their investigation into Friday's shootings.
At a news conference Monday, state police said the school will remain in their control as a crime scene. It could be months before state and federal law enforcement officials finish their investigation inside the building.
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Deputies seek 2 in Pojoaque robbery
Deputies are searching for a pair of armed robbers in Pojoaque.
The Santa Fe County Sheriff's Department said the men robbed a Dairy Queen about 9 p.m. Saturday.
Investigators said the men walked into the shop, fired a shot and brandished a knife.
Deputies said the men did not get away with any money and no one was hurt.
Anyone with information is asked to call the department at 428-3720 or 986-2490.
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text:
Tabula geographica-hydrographia motus oceani : currentes, abyssos, montes, ignivomos in universo orbe indicans
|Click here to view the item (new window)
|image | Maps
|Kircher, Athanasius, 1602-1680
|Tabula geographica-hydrographia motus oceani : currentes, abyssos, montes, ignivomos in universo orbe indicans
|World map showing the extent of knowledge of physical features of the earth particularly ocean currents, chasms and volcanoes.
Tomus I, 134 from: Mundus subterraneus by Athanasius Kircher.
Scale not given.
|World maps, Physical | World maps--Early works to 1800
|Hargrett Library
|Online Publisher:
|Athens, Ga. : Hargrett Library
|Original Material:
|[Amsterdam : s.n., 1678] | 1 map ; 27.8 x 53.4 cm.
|Rights and Usage:
|Cite as: [Title], [map number], Hargrett Rare Book and Manuscript Library, University of Georgia Libraries.
Before material from the collections of the Hargrett Rare Book and Manuscript Library may be reproduced, in whole or in part, in any publication, permission must be obtained from both the Hargrett Library and (if applicable) the holder of the copyright.
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|Hargrett Library
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|Hargrett Rare Book and Manuscript Library Rare Map Collection


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Obsessive Dad
Yo, Is This Racist? #329February 3, 2014
Writer Diana Metzger (MTV's Faking It) joins Andrew all this week to answer some racism questions. Today they talk about a caller's white dad and his constant questions regarding her ethnicity. Be sure to call us at (323) 389-RACE to ask if anything is racist.
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Shu Uemura Art of Hair Volume Maker
by Danielle Fox on Wednesday, 12 September 2012
Give your hair some va va volume with some root boost from a click of a pen. This nifty gizmo from our go to hair brand Shu Uemura is the perfect top up for when things just go a little flat.
The invisible hair powder contained in this nifty pen gives instant root lift, texture and body. It also helps to refresh your day old blow-dry.
Click and stroke from side to side and massage into the roots.
buy Shu Uemura Art of Hair Volume Maker
For the latest w&h news and exclusive offers follow us on Twitter or 'like' us on Facebook
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Posted on June 3, 2012 by Jacqui Toumbas
Tips in Choosing a Wedding Planner
When you plan a wedding there is a need to think about so many facts and it does consume a lot of energy and time. It is always better to hire a professional wedding planner to do this for you since he/she can take care of absolutely all the details. You will just have to worry about looking your best and the work that you do would boil down to some really simple choices.
Even if the wedding planner is a great person to hire, this does not mean that you should simply go for the first one you find. We recommend that you look at the tips that are mentioned below to make sure you go for the one that is the best and that you can afford.
Experience in planning weddings is a must
This is the first thing that you have to ask about. There are many consultants that will have an Internet site where you can look at services and background. Look at one that has been planning weddings for some years now. Talk to the planner and ask about different difficult situations that appeared in the past. See how they were solved. This proves that the wedding planner can handle anything and will do a good job.
Make sure that you talk about past experiences. The best wedding planner will offer you references and you can talk to people that the professional was hired by in the past. Always talk to references and see exactly what they appreciated and what they did not when working with the considered wedding planner. You are basically looking for honest answers and see whether or not the consultant is recommended by many people.
Different wedding planners might charge you differently. Some of them will offer their services in exchange for a fixed rate. If you want to hire such a wedding planner, make sure that you understand all the services that are included. It is common that flat rates are changed based on what the consultant has to do and extra is required for tasks that are not written in the contract. In addition, an hourly rate cost might be added when the wedding planner needs to work more than an agreed number of hours.
There is also another pricing system that is quickly gaining popularity. The planner basically receives a percentage of the entire wedding budget. In this case the professional asks about your budget and then tells you how much you would have to pay based on his/her pay table.
The three factors should always be considered when choosing a wedding planner. It will cost you some money but working with a pro will definitely reduce stress a lot. In addition, most of the planners have deals with local vendors, florists, reception sites and even decorators. They can help you obtain a much better price on other parts of the wedding, thus making the services really valuable.
An experienced wedding planner helps you make the best decisions possible and to have a perfect wedding but choosing them needs research. Conduct your research and choose the best one!


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Come to Cannes to enjoy all southern specialties at their best... the famous Fouquet's brasserie will turn your lunch into a festival of colours and flavours in our unique settings reflecting the image of the town.
from € 278 per night
from € 278 per night
Consult or cancel a reservation
One of our agents will personally call you back.
Hôtel Majestic Barrière*****10, La Croisette06407 CannesFrance
Phone: +33 (0) 4 92 98 77 00
Reservation:+33(0)970 820 900
See mapFor further informationCONTACT THE HOTEL
All prices are based on and subject to availability.


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NORDYNE is re-introducing its light commercial line of commercial heating and air-conditioning products under the brand name "Mammoth." NORDYNE unveiled the new name at its September distributor meeting.
Mammoth, a sister company to NORDYNE, is already known in the commercial HVAC market.
"Mammoth is one of the most well-respected names in commercial heating and air conditioning, so it makes sense for NORDYNE to market our light commercial offerings under the Mammoth brand," said Dennis Kloster, NORDYNE vice president of Marketing and Sales for Residential and Light Commercial. "Our current and potential customers will be even more successful selling products that have a name their customers already know and trust."
The newest Mammoth light commercial products include single-packaged gas/electric units, available in 3- through 15-ton capacities. The units can be installed on the roof or on a slab, and the convertible airflow design is said to make installation simple in all applications. The 3-, 4-, 5-, 6-, 7.5- and 10-ton units are available now, and the 12.5 and 15-ton units are scheduled to be available in May 2004.
Also new to the Mammoth line are the three-phase, high-efficiency split-system air-conditioners, available in 3, 4 and 5-ton capacities, which are in production now.
Back to Breaking News


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Book your room at Hotel Veritas
Basic Room, 1 Queen BedMax Occupancy: 2 guests (up to 1 child)
Standard Room, 1 Queen BedMax Occupancy: 2 guests (up to 1 child, 1 infant)
Cambridge romantic hotel near Harvard Square
A stay at Hotel Veritas places you in the heart of Cambridge, minutes from Harvard University Art Museums and close to Harvard Square.
This romantic hotel is close to Boston University and Fenway Park.
Make yourself at home in one of the 31 air-conditioned rooms featuring iPod docking stations and flat-screen televisions. Your pillowtop bed comes with down comforters and Egyptian cotton sheets. Complimentary wired and wireless Internet access keeps you connected, and cable programming provides entertainment. Private bathrooms with showers feature complimentary toiletries and hair dryers.
Make use of convenient amenities such as complimentary wireless Internet access, a fireplace in the lobby, and tour/ticket assistance.
Quench your thirst with your favorite drink at a bar/lounge.
Featured amenities include complimentary high-speed (wired) Internet access, a 24-hour business center, and complimentary newspapers in the lobby.Information missing or incorrect? Tell us!
At your hotel
At your hotel
High-speed wired and wireless Internet access is complimentary. A 24-hour business center is on site at this 3.5-star property. A bar/lounge is on site where guests can unwind with a drink. This Victorian hotel also offers tour/ticket assistance, multilingual staff, and coffee/tea in the lobby. Parking is available onsite for a surcharge. A total renovation of this property was completed in May 2010.
Hotel Veritas is a smoke-free property.
- 24-hour front desk
- Total number of rooms - 31
- Number of floors - 4
- Valet parking (surcharge)
- Bar/lounge
- Coffee/tea in lobby
- Complimentary newspapers in lobby
- Dry cleaning/laundry service
- Elevator/lift
- Fireplace in lobby
- Free Wi-Fi
- Free wired high-speed Internet
- Tours/ticket assistance
- Multilingual staff
- Porter/bellhop
- Safe-deposit box at front desk
- Year Built 2010
- Smoke-free property
- Number of buildings/towers - 1
- Use of nearby fitness center (complimentary)
- Luggage storage
- 24-hour business center
Stay connected
Available in all rooms: Free Wi-Fi , Free wired high-speed Internet
Available in some public areas: Free Wi-Fi , Free wired high-speed Internet
Park your car
Valet parking (surcharge)
In your room
- Premium TV channels
- Hypo-allergenic bedding available
- Premium bedding
- Climate control
- Complimentary weekday newspaper
- Air conditioning
- Free local calls
- Daily housekeeping
- Turndown service
- Private bathroom
- Bathrobes
- Complimentary toiletries
- Hair dryer
- Shower only
- Iron/ironing board
- Cribs/infant beds available
- Free long-distance calls
- iPod docking station
- Cable TV service
- Flat-panel TV
- Free Wi-Fi
- Free wired high-speed Internet
- In-room safe (laptop compatible)
- Down comforter
- Egyptian-cotton sheets
- Pillowtop mattress
- Blackout drapes/curtains
The recreational activities listed below are available either on site or nearby; fees may apply.
- Golfing nearby
- Kayaking nearby
- Bicycle rentals nearby
- Hiking/biking trails nearby
- Golf lessons available nearby
To make requests for specific accessibility needs, complete the "Special or Accessibility Requests" section of "Trip Preferences" when you book your hotel.
- Accessibility equipment for the deaf
- Accessible bathroom
- Accessible path of travel
- Braille or raised signage
- Accessible parking
- In-room accessibility
- Roll-in shower
The fine print for Hotel Veritas
When you arrive
Minimum check-in age is 18
Check-in time starts at 3 PM
Check-in time ends at 2 AM
When you leave
Check-out time is noon
How you can pay
You need to know
Extra-person charges may apply and vary depending on hotel policy.
Government-issued photo identification and a credit card or cash deposit are required at check-in for incidental charges.
Special requests are subject to availability upon check-in and may incur additional charges. Special requests cannot be guaranteed.
No rollaway/extra beds available
Parking height restrictions apply
- Valet parking fee: USD 34 per night
We should mention
Children 18 years old and younger stay free when occupying the parent or guardian's room, using existing bedding.


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Title IX Event with Valerie Jarrett, Billie Jean King and More
Jesse Lee
June 23, 2009
Today the White House will be holding a roundtable on the 37th Anniversary of Title IX featuring Senior Advisor Valerie Jarrett, Education Secretary Arne Duncan and an all-star line-up of women athletes and scientists. In addition to the roundtable participants, which include Billie Jean King and Dominique Dawes, 30 local high school aged girls will be in the audience along with several professional athletes and well-known Title IX advocates.
We are once again using our "White House Live" Facebook application, which will allow you to discuss the Roundtable and watch the live-stream at the same time. The participants at the Roundtable will also be kept up to date with your questions and comments.
[UPDATE: This event has now concluded.]
If you are not a Facebook user, you can also watch it live at WhiteHouse.gov/live/discuss, and we will have a special comment form you can use to communicate with us there as well.
Over the past few days women athletes (current and former) have been submitting photos of themselves in action, which we are featuring now in this new kind of photo gallery below. You can still submit your own photo to be a part of it.
Related Topics: Women


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|New special offers are available!
New York-native Pamela Love received her BFA from New York University Tisch School of the Arts, majoring in film production with a concentration in art and public policy. After graduating, Love applied her studies and creativity as an artists assistant and as an art director and stylist for ..Read More


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|Bible in Basic English (BBE)
|New International Version (NIV)
|12 Looking for and truly desiring the coming of the day of God, when the heavens will come to an end through fire, and the substance of the earth will be changed by the great heat?
|12 as you look forward to the day of God and speed its coming. That day will bring about the destruction of the heavens by fire, and the elements will melt in the heat.
|The Bible in Basic English is in the public domain. (The Bible in Basic English Version Online)
|Scripture quoted by permission. Quotations designated (NIV) are from THE HOLY BIBLE: NEW INTERNATIONAL VERSION®. NIV®. Copyright © 1973, 1978, 1984 by Biblica. All rights reserved worldwide. (New International Version Bible Online)


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Madison Realty Capital Finances Third-Party Purchase Of Defaulted Note On Brighton Beach Mixed-Use Project
NEW YORK, Feb. 19, 2013 /PRNewswire/ -- Madison Realty Capital (MRC), an institutionally backed commercial real estate investment fund and asset manager specializing in flexible debt and equity financing solutions for middle-market transactions throughout the United States, announced the closing of $12.75 million in note financing for the third-party purchase of a defaulted note secured by the mixed-use development located at 3052 Brighton 1 st Street, Brighton Beach, Brooklyn. Madison closed within three weeks of sourcing the transaction, working rapidly to meet the borrower's year-end 2012 timing needs.
"This transaction was all about speed and certainty of execution. Our platform enables us to quickly assess and underwrite transitional deals and ultimately deliver funds to developers and investors within their time constraints," said Josh Zegen, Co-Founder and Managing Member of MRC. "On this particular deal, the borrower's strategy was to acquire the note and we facilitated that with note purchase financing, which has become increasingly popular over the past year."
3052 Brighton 1 st Street is a 71,000-square-foot, 10-story mixed-use apartment and commercial development featuring 41 residential units, 7 commercial or community space units, and 34 parking spaces. Originally conceived as a condominium, the project was financially distressed but is 95% complete with only finishing touches on construction needed. The borrower is acquiring the defaulted mortgage with funding from MRC and contributing new equity to the project, which cost in excess of $24 million to build. The current business plan is to obtain a certificate of occupancy and proceed to market the units as condos or rentals in this prime Brighton Beach location situated near popular shops and restaurants.
Madison Realty Capital (MRC)Founded in 2004, Madison Realty Capital is an institutionally backed commercial real estate firm specializing in flexible debt and equity financing solutions for middle-market transactions throughout the United States. MRC invests in the multifamily, retail, office and industrial sectors and has completed approximately
$1 billion of transactions in 28 states to date. MRC's vertically integrated platform encompasses origination, servicing, asset management, property management and construction management expertise to maximize the value of its investments.
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Welcome to the homepage of the
West Coast Ecosystem-Based Management Network
Welcome to the homepage of the
West Coast Ecosystem-Based Management Network
The West Coast Ecosystem-Based Management Network is a partnership of six community-based initiatives focused on the successful implementation of ecosystem-based management (EBM) along the coasts of Washington, Oregon and California (see member initiatives at left). The Network was formally organized in 2008.
Each of the six members of the network has begun implementing ecosystem-based approaches to management in their local area, and taken steps towards substantive progress in demonstrating the realization of EBM for their local ecosystem.
Currently, the Network is organizing itself into a robust collaboration to further the progress of EBM throughout the West Coast and successful community-supported management of coastal ecosystems. This includes:
•developing into a learning network among the groups
•progress towards identifying key steps towards "real-world" ecosystem-based management
•identifying opportunities to enhance their approaches
•collaboration with:
-West Coast Governors' Alliance on Ocean Health
-EBM Tools Network
-NOAA Coastal Services Center
-Surfrider Foundation
-and other partners
The Network's member initiatives continue to pursue connections with policy and management activities in their respective states, while also beginning to examine potential links to regional and national policy developments related to ocean and coastal management, with a link to EBM.
The Network plans to further develop its role in identifying, utilizing, and promoting the most effective mechanisms to implement ecosystem-based management approaches in coastal communities on the West Coast. The Network will also continue to pursue the development of EBM principles in management policies at the local, state, regional and federal levels.
Please check back to this website regularly for updates from the Network.
If you have questions or would like more information, please contact John Hansen, Network Coordinator, at firstname.lastname@example.com.
Morro Bay, CA
Port Orford, OR
Humboldt Bay, CA
Network Partners
West Coast Governors' Alliance on Ocean Health
White House National Ocean Council
Joint Ocean Commission Initiative
Oregon Ocean Policy Advisory Council
California Ocean Protection Council
Network Members
(click map to view Network member info)
Community EBM Guide - Available for download
Community-Based Management of Coastal Ecosystems:
Highlights and Lessons of Success from the West Coast EBM Network
Click HERE to download (PDF)
If you would like a full-color hard copy of the guide, or are interested in learning more, please contact Network Coordinator John Hansen, at email@example.com.
Copyright © 2012 West Coast EBM Network - A Project of the Tides Center
New Member Projects (2012)
2011 Annual Network Meeting - Presentations Catalog
The Network held its 2011 Annual Meeting in Eureka, co-hosted by member project Humboldt Bay Initiative. A meeting agenda and catalog of presentations delivered at the meeting is available for download here.
For more information about the 2011 Network meeting, or for information on planning for the 2012 meeting, please contact Network Coordinator John Hansen at firstname.lastname@example.com.


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Inland Empire Motorist Assistance
A stalled car by the side of the road is more than just a hassle for the driver; it's a traffic hazard and can snarl traffic for hours. Traffic slows, a bottleneck builds, and both air quality and drivers' nerves suffer.
If you have a mechanical problem or need assistance, the Inland Empire's transportation agencies RCTC and SANBAG have two programs to get you on your way.
Call Boxes
Our network of solar-powered Call Boxes provides a direct connection to help when you're out of cell phone range or your phone's battery is dead. These boxes, located every one-half mile to two miles apart on most major roadways, provide a direct connection when you open the box, lift the handset, and press the red button. The Call Box will connect you with a dispatch operator that will summon help as quickly as possible. Stay on the line, even if your call is not immediately answered. There is no need to hang up and try again. You will not have long to wait.
Freeway Service Patrol
When you're on the side of the road with a flat tire or out of gas on the busiest portions of the 10, 60, 91, 215, and 15 freeways, the Freeway Service Patrol will come to the rescue. All tow trucks are white and display the Freeway Service Patrol logo. The drivers wear blue uniforms and yellow safety vests with the same logo. Drivers complete a special training program and are certified by the CHP.
Freeway Service Patrol drivers will "jump start" your car if your battery is dead, refill your radiator and tape hoses, change a flat tire, or provide a gallon of gas if you run out. If they can't get your car going, they will tow it free of charge to a location approved by the CHP. The Freeway Service Patrol will also contact additional assistance for you by calling an auto club or towing service. The Freeway Service Patrol cannot tow you to a private repair facility or recommend other tow services or repair shops.
The Freeway Service Patrol operates weekdays except holidays, from 5:30 am to 8:30 am and 3:00 pm to 7:00 pm Monday through Thursday. In San Bernardino County Friday service is from 3:00 pm to 7:00 pm and in Riverside County service is provided from 1:00 pm to 7:00 pm.
Be Safe
Safety comes first. Never cross the freeway to find assistance. Be sure your car is as far as possible to the right on the shoulder. Exit the vehicle on the passenger side. Always look for a Call Box you can reach without crossing an on ramp or an off ramp. If you break down on a freeway served by the Freeway Service Patrol, wait for the Freeway Service Patrol or the CHP to summon help.


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Tagged with " pacific coast"
The Proposed Route
From sea to shining sea: cycling from San Francisco to the east coast of the USA
Pacific Coast: Vancouver to San Diego Cycle Route
Our full trip log for the route along the US West Coast.
Dolphins Ahoy! It's Malibu
The 2000 mile post is passed just before Malibu, and a school of dolphins join us to celebrate.


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Knights Win Two in Triple Header
NEW ULM, Minn. - After a last minute audible to change the MLC softball team's double header against North Central Tuesday into a triple header, the Knights took two of three from the Rams, winning games one and three by the scores of 10-2 and 9-1 respectively, while losing game two 4-1.
North Central scored two runs in the first inning, but were held down the rest of the way in a 10-2 MLC win in game one in five innings.
The Knights scored two runs to tie the game in the bottom of the first, and then added four runs in both the second and fourth innings to get the necessary eight run lead to win the game.
Heather Korb (Indianapolis, Ind./Lutheran HS) improved to 5-6 on the season with the win on the mound, allowing two runs (one earned) on eight hits in five innings, while also striking out three.
Sarah Free (Plover, Wis./LPS), Brittany Jensen (Hortonville, Wis./FVL) and Karla Opperman (North Branch, Mich./North Branch HS) each had two hits for the Knights, with one of Jensen's being her sixth home run of the season.
MLC once again allowed two runs in the top of the first inning, and this time was unable to come back in a 4-1 loss to the Rams in game two.
Laura Miller (Kent, Wash./Evergreen) got the start and dropped to 3-5 on the season after allowing four runs (two earned) on ten hits in six innings of work.
MLC was outhit 10-5 for the game, and the lone MLC run was driven in by Amber Krause (Mequon, Wis./LPS) in the sixth inning.
MLC scored seven runs in the first two innings to take a quick lead, and finished things off with one run in the bottom of the sixth inning to win game three 9-1.
MLC finished the game with ten hits, while Free held the Rams' hitters to only three hits for the game on the mound. In six innings of work, Free allowed only one run and struck out two.
At the plate, April Cook (Menomonee Falls, Wis./KMLHS) and Jessica Henning (Redwood Falls, Minn./Redwood Valley HS) led a group of four MLC players with two hits, while they also drove in four and three runs, respectively.
After the three games, MLC's record moved to 14-16 on the season.
The Knights will return to action on Friday, April 30, when they travel to Duluth to play a weekend of crossover games at St. Scholastica. The first game will start at 2 p.m. against CSS.


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In each episode of Adam Richman's Best Sandwich in America, Adam selects a region of the country, samples 3 of its top sandwiches -- and chooses 1 to represent the region in the National Championship. In the hour-long battle royale, the 10 regional winners and 2 secret wild cards go head-to-head, March Madness-style. In the end, only one will claim the coveted title of "Adam Richman's Best Sandwich in America."
See mouthwatering photos from Best Sandwich in America and watch exclusive, behind-the-scenes video of the restaurants and sandwiches featured in the show.


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The Net Mass Balance of the Community of Karakoram Glaciers
Copland, L., Sylvestre, T., Bishop, M.P., Shroder, J.F., Seong, Y.B., Owen, L.A., Bush, A. and Kamp, U. 2011. Expanded and recently increased glacier surging in the Karakoram. Arctic, Antarctic, and Alpine Research 43: 503-516.
Copland et al. attempt to answer this burning question "by using a combination of previously published literature and repeat satellite imagery to catalogue surge-type glaciers and monitor their distribution, surge history, and physical characteristics across the entire mountain range."
The eight researchers report that "there has been a marked increase in the recent occurrence of glacier surging in the Karakoram," which they say is associated with "a significant increase in winter, summer, and annual precipitation in the Karakoram over the period 1961-1999." More specifically, they say there has been "a doubling in the number of new surges in the 14 years after 1990 (26 surges) than in the 14 years before 1990 (13 surges)," and they state that the recent increase in glacier surging "appears to be a response to positive mass balances over the Karakoram over the past few decades, and is in line with the many other glaciological indicators of recent changes in this area," among which they include "the recent stability and expansion of many non-surge glaciers in this region," citing Hewitt (2005), Pecci and Smiraglia (2000) and Mayer et al. (2006), as well as "increases in surface velocity (Quincey et al., 2009)," which they attribute to "increases in snowfall."
In concluding, Copland et al. reiterate that contrary to what is often claimed about many of Earth's mountain glaciers by the world's climate alarmists, "it is evident that glacier surging is more extensive than previously reported in the Karakoram and that the number of glacier surges has increased recently," driven, as noted above, by positive mass balances.
Additional References
Hewitt, K. 2005. The Karakoram anomaly? Glacier expansion and the 'elevation effect," Karakoram Himalaya. Mountain Research and Development 25: 332-340.
Mayer, C., Lambrecht, A., Belo, M., Smiraglia, C. and Diolaiuti, G. 2006. Glaciological characteristics of the ablation zone of Baltoro glacier, Karakoram, Pakistan. Annals of Glaciology 43: 123-131.
Pecci, M. and Smiraglia, C. 2000. Advance and retreat phases of the Karakorum glaciers during the 20th century: case studies in Braldo Valley (Pakistan). Geografia Fisica e Dinamica Quaternaria 23: 73-85.
Quincey, D.J., Copland, L., Mayer, C., Bishop, M., Luckman, A. and Belo, M. 2009. Ice velocity and climate variations for the Baltoro Glacier, Pakistan. Journal of Glaciology 55: 1061-1071.


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How Justin Grimm found out he was traded to the Cubs
Justin Grimm sat at his Texas Rangers locker, scrolled through Twitter posts, and read about which of his teammates could be headed to the Cubs. At first Grimm's name wasn't listed in the deal. Then, as he read more and more, he started seeing his name, more and more. "(At first) I ...
Prized prospects from big Cubs trade headed to Iowa
The biggest names of the Matt Garza trade are on their way to Des Moines. Right-hander pitcher Justin Grimm and infielder Mike Olt are expected to join the Iowa Cubs on Wednesday. The two were acquired from the Rangers, along with pitcher C.J. Edwards, and two players to be named later, on ...
Byrd brings new life to No. 22
Now bating for the Iowa Cubs, No. 22, Marlon Byrd. Wait, No. 22? Yep, that's right, Marlon Byrd, No. 22. The Chicago Cubs outfielder is in Des Moines rehabbing for the Iowa Cubs this week. Byrd is getting his feet wet again after landing on the disabled list when he took a pitch ...
Remembering UNI baseball: The final chapter
Remembering sights and sounds of UNI's last-ever baseball game, a 3-2 win over Bradley at Waterloo Riverfront Stadium.


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The trees are changing, we're adjusting our clocks, and we're settling in for a season of new TV hits. October's great, isn't it? Except, wait—the calendar says April. As the networks inch closer to year-round programming (indeed the phrase ''TV season'' is becoming a quaint anachronism), they've begun saving some of their best ammo for the spring the season formerly known as ''just how many days are there left until May sweeps?'' Case in point: ABC's Grey's Anatomy, which did so well in the post-Desperate Housewives slot that it knocked former occupant Boston Legal off the schedule until next season. Just goes to show you can never underestimate the power of a well-done medical drama (or of Housewives). Here are some other lessons from this midseason:
BIG HITS AREN'T ENOUGH TO GUARANTEE BIG LAUNCHES. Not every show is as lucky as Anatomy, which averages 17.3 million viewers. After debuting in Housewives' Sunday slot, John Stamos' comedy Jake in Progress crumbled in its regular Thursday home. ''People just don't come to ABC Thursdays at 8,'' says ABC's exec VP of programming Jeff Bader. ''But it should be doing better.'' Ratings for ABC's critical fave Eyes have also been tepid, despite its Wednesday lead-ins Lost and Alias. And while viewers sampled NBC's The Office in its post-Apprentice debut, it hasn't gained traction in its Tuesday slot. ''It's a show that might take a little while for viewers to catch on to,'' says Mitch Metcalf, NBC's exec VP of programming.
HYPE DOESN'T ALWAYS HELP. NBC failed to score on Sunday nights at 8 with its newsmaking boxing reality show The Contender. And though the net's Law & Order: Trial by Jury has beaten CBS' Friday competition, Numb3rs, it hasn't dominated like other L&Os. The net did find an unlikely savior in the much-less-anticipated psychic-crime-solver drama Medium, a consistent top 20 hit since its January debut. (NBC has renewed it for a second season.) ''We don't have any runaway hits,'' Metcalf says. ''But we developed some nice building blocks for the future.''
IT'S NEVER TOO LATE FOR A COMEBACK. Fox pulled out from a fourth-place fall to dominate February sweeps with a big boost from the Super Bowl and the indomitable American Idol. The talent contest's return made a hit out of its Tuesday companion, the once-DOA doc drama House. ''That's a show that kept growing in quality,'' says Fox's exec VP of programming Preston Beckman. ''When Idol goes away, we don't think we'll go back to the numbers we saw last fall.'' And despite not appearing on the September schedule, CBS' Yes, Dear returned on Wednesday, Feb. 16, and against Idol-fueled competition it improved on fall flop Center of the Universe by about 500,000 viewers. ''We kept it around as an insurance policy and it paid off,'' says CBS' senior VP of programming Kelly Kahl. ''That show is Rasputin.''
MIDSEASON IS NO LONGER JANUARY THROUGH MARCH. The WB had a relatively strong debut with Living With Fran on April 8, and Fox is still rolling out shows (the Pam Anderson sitcom Stacked arrived April 13, and the animated American Dad is due May 1). ''Every time of the year is more important now,'' Metcalf says. ''There are no real dead zones anymore.''


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Amazon Cool-Shames Urban Outfitters Over Vinyl
Claims corrected.
Skip to content, or skip to search.
Skip to content, or skip to search.
Claims corrected.
"The people buying vinyl ... are those who grew up with the ability to download music or stream it on Pandora and Spotify."
Get ready for some "mildly obscure" food!
Don't be alarmed by the weird wand.
"There's definitely some overlap between my pots and the areola debate."
And the store continues their sell-two-items, take-one-off-the-market strategy.
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A Wisconsin-based coffee roaster is headed to midtown.
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The retailer appeared on CB1 Brooklyn's monthly meeting agenda this week.
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And here's Kate Hudson in ads for Ann Taylor.
Plus, Karl Lagerfeld is going to work forever.
Smells like nineties redux spirit.
Particularly from Urban Outfitters, it seems.
The death of hope, the resurgence of irony?


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What does IAAP mean in Professional Organizations?
This page is about the meanings of the acronym/abbreviation/shorthand IAAP in the Business field in general and in the Professional Organizations terminology in particular.
International Association of Administrative Professionals
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Inner Strength Studios
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Gear Question
Do i need to get a "spd compatible shoe"...
Paddy Kramer
Member since
Do i need to get a "spd compatible shoe" for these pedals? What type of shoe will work with these pedals...the clip in side.
Chris Kelly
Member since
Any SPD compatible Shoe will work
View More Details on Shimano PD-M324 SPD Dual Platform Pedals


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Liposuction in Hattiesburg, MS
Dr. Richard A. Pecunia offers liposuction to patients in Hattiesburg, Forrest County, Lamar County, and surrounding areas.
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Despite good health and a reasonable level of fitness, some people may still have a body with disproportionate contours due to localized fat deposits. Liposuction—also known as lipo, lipoplasty, or suction lipectomy—slims and reshapes specific areas of the body by removing excess fat deposits, improving body contours and proportion and ultimately enhancing your self-image.
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With Dr. Pecunia, his lipoplasty patients in Hattiesburg are generally placed under local or general anesthesia. He will carefully mark up the area to be treated before making small punctures in the skin and injecting fluids to limit blood loss and reduce discomfort. Following this, a thin, hollow tube called a cannula is inserted. This is used to break up and suction out fat from the body.
Am I a Good Candidate for Liposuction?
Liposuction is one of the most common cosmetic procedures performed in Hattiesburg. Both men and women can benefit from suction lipectomy; the best candidates are at least 18 years old and are physically and emotionally healthy.
At Dr. Pecunia's office in Hattiesburg, ideal lipo patients are not more than 20 pounds overweight, but have persistent, localized fat deposits that just won't disappear with diet and exercise. This can be due to a number of factors, including genetics, body chemistry, and age. It's important to understand that liposuction is not designed for extreme weight loss, so having realistic expectations of your results is crucial in determining whether or not you are a good candidate for the procedure.
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After undergoing liposuction in Hattiesburg, Dr. Pecunia will provide you with elastic garments to wear for up to one week. You can expect some drainage from small incision sites, which are left open temporarily to allow fluid and residual fatty deposits to empty. Bruising and swelling may also be apparent but should disappear within three weeks.
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Once the unsightly pockets of fat are removed, lipo patients at Dr. Pecunia's Hattiesburg office are ecstatic with their new, sleeker body contour. The remarkable results can be seen in our liposuction before and after pictures.
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The RNC is now the GOP's Ministry of Truth. Doublespeak reigns ("we want ideas" — "Shut up, Dr. Paul!"), and ThoughtCrime is thoroughly punished, as JB writes from Duncan's home state:
"I know what Robert "Mike" Duncan thinks of Ron Paul supporters. I was a delegate at the Republican Party of Kentucky State Convention when state party chairman Steve Robertson refused to recognize Ron Paul supporters to speak and even called the Sergeant At Arms to remove one person who tried to call a point of order.
Duncan attended the convention as he is a Kentuckian and sat right behind Robertson and never said a word about what was going on."
How nice to lead a political party that requires you to lie, cheat, and steal. Must make Mr. Duncan feel very good to appeal to abstract "ideas" — since he left the truth behind long ago.3:13 pm on December 20, 2008 Email Christopher Manion


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My Profile
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Reviewed Fusilli with Pea Pesto and Smoked Mozzarella
Aug 30, 2013 in Food Network Community Toolbox on FoodNetwork.com
"Love it, also my question this was Giada's recreation of the dish...as Raffy pointed out lolz. What is the original dish called and where can I find out how to make it?""


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Popularized in films like Limitless, legal smart drugs called Nootropics are becoming more and more prevalent in board rooms and on Wall Street.Keep reading »
Libor Manipulating Banks Used Baltimore's Tax Dollars To Help Pay Off Your Mortgage, Or SomethingBy Matt Levine
There is a line forming to the left for people to beat up on Libor-manipulating banks, and it's a long line so your beating time is limited and you have to make the most of it if you want anyone to care. Today's the day for U.S. municipal borrowers. How'd they do?
The municipalities are important because they are the unusual case of a large class of politically sympathetic customers who would have been systematically disadvantaged by low Libor rates, as opposed to you and that mortgage that you won't shut up about, on which Liborgate probably saved you money. Stephen Gandel nicely sums up the situation here: the problem was that, in astonishing droves, U.S. cities and counties borrowed at variable rates, paying their own idiosyncratic floating SIFMA rate, but they then swapped to fixed, receiving a floating rate based on Libor. This led to badness, as muni credit blew up and SIFMA spiked, while bank credit blew up and Libor mysteriously didn't, because of the manipulating. So cities who had expected to pay a fixed 5% or whatever a year ended up paying 5% plus the suddenly widening gap between SIFMA and Libor.
Here is a graph I made you, comparing the SIFMA rate that munis paid to their bondholders versus a proxy for the Libor-based rate that they received from their banks*:
So that sort of looks okay outside of 2008, which looks sort of … not okay. Here is perhaps a more suggestive thing:
- From 1997-2004, the Libor-based rate averaged 6 basis points higher than the SIFMA rate
- From 2005-2009, the Libor-based rate averaged 7 basis points lower than the SIFMA rate
- From 2010-2012, the Libor-based rate averaged 4 basis points higher than the SIFMA rate
If you date your Libor manipulations to 2005-2009, and you are a municipality, you have I guess a plausible case for saying "those swaps cost us 11-13 basis points a year." The municipalities themselves calculate 20 basis points but that is because they are muppets.**
I am not a fan of most municipal carping about interest rate swaps because that carping is in the first instance of the form "rates went down and now we are paying a high fixed rate and receiving a low floating rate" and y'know what THAT HAPPENS and you wouldn't be complaining if rates had gone up and you should live in a world of expectations bro. That said you can't take that argument too far, because you do kind of get the sense that the munis were at least bulldozed a bit, no?
Like, maybe there's a good reason for decomposing a trade (borrow 30 years fixed) into a public component (borrow 30 years floating) and a derivative component (swap to fixed)? Obviously corporate issuers do related but opposite decompositions all the time (issue 10-year fixed, swap to floating) for market-receptivity reasons (taxable investors want fixed-rate bonds more than they want floating-rate bonds); I assume without knowledge that there's a plausible market-receptivity argument the other way in the municipal space. Certainly I wouldn't want to lend the City of Baltimore money at a 30-year fixed rate. Still it's always suspect when banks are earning most of their money not on disclosed underwriting fees but on swap P&L that, just guessing here, the City of Baltimore is not well equipped to calculate or second-guess.
More worryingly, it is hard to wrap your head around paying a floating rate that's based on your own credit while receiving a floating rate that isn't. Variable rate muni bonds seem to float based either on the SIFMA rate or on their own weekly auctions; in either case, you pay up when muni credit worsens, which is exactly when you don't want to, since presumably your credit is worsening for the time-honored reason of you don't have any more money. On the other hand, the floating payments that come in don't go up just because you're running out of money: they only go up because [actual risk-free rates are rising and/or] banks are running out of money, and banks have ways to avoid running out of money, or failing that to pretend that they still have money, that municipalities lack.
If banks manipulated Libor they were stealing from these municipalities, which is bad, but it's always worth keeping in mind that the total gross amount of Libor exposure dwarfs any bank's (or all the banks' together) net exposure: they have lots of Libor coming in, and lots going out, and they just clip a wee bit of it in the middle. So they were distributing the proceeds of that theft pretty widely. One fun way to think about Liborgate is to imagine the financial system, in theory a machine to intelligently use price mechanisms to intermediate the movement of money from savers to productive uses, as actually a machine to haphazardly use an imaginary-price mechanism to intermediate the movement of money from arbitrary Libor losers to arbitrary Libor winners. Barclays seems to have engineered the world so that Nassau County*** sales taxes were used to subsidize adjustable-rate mortgage borrowers in California. Was that a good idea? Beats me. Was it a conscious and defensible decision about the allocation of resources? I'm guessing no. That, and not "ooh bankers lie a lot," may be the real problem with Libor manipulation.
Wall Street's latest sucker: Your hometown [Term Sheet]
Rate Scandal Stirs Scramble for Damages [DealBook]
* SIFMA swap rate data from SIFMA. 3-month LIBOR from Bloomberg (USD0003M Index). Muni swaps tend to be based on 0.67 x Libor, rather than 1 x Libor, because taxes blah blah blah. 3mL versus 1-week SIFMA because I'm lazy but look how nice they line up no?
** Nah, there's lots of econometrics in the complaint, whatever. Twenty, or even 11, bps seems like a lot of manipulation to me – the Barclays bros were talking about half basis points and as John Carney points out they sometimes couldn't even get that – but maybe?
*** The county of my childhood, it goes almost without saying.
Show all comments ↓
Comments (23)
Huh, never would have guessed Matt was from Nassau County, will wonders never cease?
– Former Countrywide Demographics Quant
I had Suffolk at +250
I had Darien or Greenwich for sure.
Looks as if Matt had too many margs and free handed the chart
Read the Dealbook/NY Times article on this lawsuit that Matt links – it does not explain how the (alleged) LIBOR manipulation hurt the municipality by causing SIFMA and LIBOR to diverge – the term SIFMA is not even used at Dealbook – in yet another demonstration of why Paul Krugman shouldn't be throwing rocks at CNBC from his own glass house of shitty reporting.
Matt Levine > CNBC > NY Times
If you imagine our accents as you read we sound far better, you should really try it sometime.
Wait, what? While I totally agree that Matt is better than any MSM (or not MSM) journalist, and that NYT's business coverage is pretty bad, CNBC should at all times be called out for how insanely idiotic it is. It it truly one of the worst if not the worst financial "news" outlets around.
I always knew he was destined for such great things! Someone's getting an extra gold star put next to their picture on the refrigerator tonight.
-Proud in Nassau County
It seems like Bess has finally found her wingman. Keith Hahn, Zach Kouwe and many others tried and failed but the footnore king has succeeded.
I like to imagine that Bess pays Matt back by taking him out after work for frozen margs and trying to set him up with her friends, and Matt ends up embarrassing Bess when his game consists of showing charts that make the case why a young lady should go home with him tonight.
Or maybe the real problem with LIBOR manipulation is "hey, you're not supposed to do that!", not "well, who benefited and who lost?" or "did the manipulator give a lot of thought to who (other than themselves, in aggregate) would benefit or loes?"
That's right, I said loes. I went there.
Just make sure you hang the picture on the leeward side of the fridge so the wheel spray from the big trucks zipping through the overpass doesn't ruin it.
– UBS Long Island Prime Real Estate quant.
Who the hell enters into a swap where the floating rate received differs from the floating rate paid on the bonds and doesn't hedge the difference with any more than wishful thinking?
Municipalities deserved to lose money on that trade – what kind of world do we live in where clients bitch and complain about their loss making decisions and then sue the brokers / intermediaries / whoever?
Gee, do ya think there was any pressure from the executive branch to NOT allow libor mortages to blow up? I hope you all realize you would be eating NY rats right now if LIBOR had spiked. It would be over for the USA. And that includes the municipalities and their fat golden benefits that hardly suit a servant.
Mat has joined the cracker heads. Everyone that's a bank customer got screwed from the libor scam….mortgages weren't somehow subsidized by the libor scam's impact on muni bond rates (yeilds).
I could whip up some charts showing that libor benefited the over night lending rates at the cost of the military debt.
The banks that were in the libor scam and benefited from it..like Barclays…are NOT monolithic organizations. Heck, the Treasury function isn't even in the same sub as the mortage lending group….MUTUALLY EXCLUSIVE OPERATIONS.
I smell another hired gun to twist a story….and deflect critisim from the out-of-control banks by blaming state and citry government. Sorry….I'm not Gulliver.
It's all in all startling to be relying on their numbers to mortgage company ma but then again, that would be the way they do their business for the longest time now. The just affirmation one can get out of this is if there are any efforts to establish safety tied up to some credit bundles that they accord.
You're right – I already do that for both the FT and the Economist!
Thank you because of this wonderful facts. This is uncomplicated oriented poor quality. The item irritates us significantly while people in politics speak with men and women just like many of us were being just about all drooling.
Who the hell enters into a swap where the floating rate received differs from the floating rate paid on the bonds and doesn't hedge the difference with any more than wishful thinking?
nice article.
This is a local, Baltimore based non-profit organization that helps more than a thousand individuals and families a year by providing them with food aid, emergency financial assistance and grants, counseling and referrals to other organizations and charities for legal, medical, and other assistance if they can't provide the resources themselves.
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Whats the highest wind speed ever recorded on the face of the earth?
But what about the tornado that hit Oklahoma city in 1999 when a speed of 318mph was recorded. or is it that winds in a tornado do not count for whatever purpose ?
Answer by ♠sweet fish♠
any a single ever record 1 of fatty Arbuckle's farts?
Search terms:
highest windspeeds ever,
Comments (4)
The difference is between straight wind speed and tornadic wind speed. I don't know exactly why they make a distinction. But I would think the tornado would be the highest.
Whichever it is, man, hang onto your hair!
the last time my son had a vindaloos
As a retired meteorologist, I can say with certainty that, I don't know :). That jumped out at me too. At first I thought straight (constant) wind speed, but the 34 measurement was a gust. I suspect they don't count hurricanes and tornadoes (often part of a hurricane anyway) because they are extreme events (it appears that they are not counted based on your info). Another guess on my part – we can only hope a weather statistician is aboard and answers, I suppose.
The highest officially recorded wind speed on earth is 372 kph, or 231 mph. It was logged on 12 April 1934, at New Hampshire's Mount Washington Observatory.
The 316 mph wind speed recorded in Oklahoma 1999 was logged during an Force 5 tornado. But the measurement was not recorded at "ground level" as the others were. (The instrument was 30 feet up.)


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Bulldogs still looking for a rally
MIDLAND - Wayne State University's Stephanie LeClair, adding a little bit of a cushion, drove in a run with a hit for a 4-0 Warriors' lead.
It is last call for the Bulldogs in the bottom of the seventh inning.
Saturday, May 2, 2009
Time is running out for Ferris
Posted by Sandy Gholston at 11:21 AM
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Recent Posts
- Professor Nouriel Roubini Shares his Predictions for the Economy in 2015
- NYU Stern Volatility Institute Launches at NYU Shanghai
- Benchmarking the European Central Bank's Asset Quality Review and Stress Test: A Tale of Two Leverage Ratios
- MS in Risk Management Alumni Event Featured on the NYU Stern Homepage!
- MSRM Alum, Andrew Koh, to Speak at the 2014 RiskMinds Asia Conference
Tagsbankruptcy Basel III China corporate governance credit risk Dean Peter Henry Dodd-Frank Ed Altman Edward Altman emerging markets Eurozone Federal Reserve Financial Crisis fiscal cliff India Ingo Walter Kim Schoenholtz Lawrence White liquidity market risk Matthew Richardson Michael Spence MSRM MSRM Alumni Nouriel Roubini NYU Stern political risk Regulatory Risk Richard Levich Richard Sylla risk management Robert Engle Roy Smith sovereign risk Stephen Brown Stijn Van Nieuwerburgh stress testing structured finance Student Profile systemic risk Thomas Cooley Viral Acharya volatility William Silber Z-Score
Monthly Archives: April 2011
Recording of the Webinar:"BP's Failure to Debias: Underscoring the Importance of Behavioral Corporate Finance"
Professor Hersh Shefrin discussed 4×4 culture analysis using BP as a vehicle. He discussed the application of business processes and psychological pitfalls to analyze corporate culture, especially in respect to risk management. Listen to the recording here View slides here
Posted in Behavioral Finance Tagged Hersh Shefrin Leave a comment
Bankruptcy Scores: 20 Risky Retailers
Professor Edward Altman's Z-score was used to identify 20 risky retailers. Bankruptcies in the retail sector are still a very disconcerting prospect. In less than a year, we have witnessed the fall of two behemoths: Blockbuster (BLOAQ.PK) and Borders, an … Continue reading
Posted in Bankruptcy Tagged Edward Altman Leave a comment
Revisiting the Financial Crisis
Professor Eric Dinallo, Debevoise & Plimpton partner, and former New York superintendent of insurance, discusses whether the government handled the AIG part of the financial crisis. Watch video
Posted in Regulatory Risk, Systemic Risk Tagged Eric Dinallo Leave a comment
Would Legislation Prevent Another Financial Crisis?
The FDIC says the Dodd-Frank Act would have allowed Lehman Brothers to wind down and sell its assets without government assistance. Would such legislation prevent another financial crisis from happening? Professor Thomas Cooley discusses. Watch video
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Reputational Risk
Professor Ingo Walter The global financial crisis of 2007-2009 was associated with an unprecedented degree of financial and economic damage. For investors and financial intermediaries, the estimates seem to have risen to over $4 trillion or so worldwide by the … Continue reading
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QOTD: Preferences?
Find a Conversation
QOTD: Preferences?
|Thu, 10-18-2012 - 2:23am
Hello, everyone!
I'm sure we all have been in relationships where our SO has mentioned their "preferences." Whether it be a particular size, look, or status, we are most likely not the exact match to what they were looking for. With that being said, when you are with your SO and you see a particular individual that matches their preference list, how do you feel? Do you feel a hint of jealousy? Chime in and let us know!! :)


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7795 W. Flagler St. Suite 35
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