text:
Foreclosures are down in the Twin Cities and demand is up for moderately priced homes, according to a real estate analysis released Tuesday by the University of St. Thomas.
Tagged with: foreclosures Real Estate University of St. ThomasRead More »
By: Brian Johnson September 30, 2014 4:04 pm 0
Foreclosures are down in the Twin Cities and demand is up for moderately priced homes, according to a real estate analysis released Tuesday by the University of St. Thomas.
Tagged with: foreclosures Real Estate University of St. ThomasRead More »
By: Bloomberg News July 23, 2014 1:05 pm 0
Private equity firms, hedge funds and real estate investment trusts have amassed about 200,000 homes since the housing crash, largely through foreclosure auctions and purchases of individual properties
Tagged with: American Homes 4 Rent Blackstone Group LP foreclosures home rentals Invitation Homes LP KKR & Co. Starwood Waypoint Residential Trust Twinrock Partners LLCRead More »
By: Adam Voge April 10, 2014 2:47 pm 0
The decline of closed sales in the past 12 months comes as the median home price rose for 25th consecutive month.
Tagged with: foreclosures home sales MAAR Minneapolis Area Association of RealtorsRead More »
By: Bloomberg News February 20, 2014 2:06 pm 0
The rate of new foreclosures in the U.S. dropped to the lowest level in eight years.
Tagged with: CoreLogic Inc. foreclosures Mortgage Bankers AssociationRead More »
By: Bloomberg News December 12, 2013 3:48 pm 2 Comments
Default, auction and repossession notices in November were sent to 113,454 properties, a 15 percent drop from October.
Tagged with: Blackstone Group LP Coldwell Banker Residential Real Estate Fisher Center for Real Estate and Urban Economics foreclosures JWB Real Estate Capital LLC Real Estate RealtyTrac S&P/Case-ShillerRead More »
By: Anne Bretts September 12, 2013 4:13 pm 0
With prices up, inventory low and mortgage interest rates inching higher, buyers dug in their heels, closing on 5,244 home sales in August, 10.9 percent more than a year ago.
Tagged with: Coldwell Banker Burnet distressed sales foreclosures home sales Kate Beckman Minneapolis Area Association of Realtors St. Paul Area Association of RealtorsRead More »
By: The Associated Press August 15, 2013 4:19 pm 0
The U.S. is on track to end the year with the fewest homes repossessed by lenders in six years, a trend that should help limit the negative impact foreclosures have on home values.
Tagged with: foreclosures RealtyTrac Inc.Read More »
By: The Associated Press May 9, 2013 1:23 pm 0
Fewer U.S. homes entered the foreclosure process or were repossessed by lenders last month, the latest indication that the nation's foreclosure woes are waning.
Tagged with: foreclosures home repossessionsRead More »
By: Burl Gilyard April 26, 2013 4:36 pm 0
Irvine, Calif.-based CoreLogic announced that foreclosure rates continued to decline in February in the Minneapolis-St. Paul area.
Tagged with: CoreLogic foreclosuresRead More »
By: Bloomberg News April 4, 2013 12:56 pm 0
Landlords seeking the highest returns for single-family homes should hit the road as rental rates weaken in Atlanta, Phoenix and Las Vegas, where institutional investors have flooded the market.
Tagged with: apartments CoreLogic Inc. Daren Blomquist foreclosures housing market Jed Kolko Jon Grabowski RealtyTracRead More »


text:
BBB Business Review
BBB Accredited Business since
D.R. Kohlman, Inc.Additional Locations
Phone: (920) 999-4631 Fax: (920) 999-2602 1117 Church Street, Saint Cloud, WI 53079 http://www.drkohlman.com
BBB Business Reviews may not be reproduced for sales or promotional purposes.
This company offers residential and commercial heating and air conditioning services.
Request a Quote
BBB Accreditation
A BBB Accredited Business since
BBB has determined that D.R. Kohlman, Inc. meets BBB accreditation standards, which include a commitment to make a good faith effort to resolve any consumer complaints. BBB Accredited Businesses pay a fee for accreditation review/monitoring and for support of BBB services to the public.
BBB accreditation does not mean that the business' products or services have been evaluated or endorsed by BBB, or that BBB has made a determination as to the business' product quality or competency in performing services.
Reason for Rating
BBB rating is based on 16 factors. Get the details about the factors considered.
Factors that raised the rating for D.R. Kohlman, Inc. include:
- Length of time business has been operating.
- No complaints filed with BBB.
- BBB has sufficient background information on this business.
Customer Complaints Summary
|Complaint Type
|Total Closed Complaints
|Advertising/Sales Issues
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Read Customer Reviews | Submit a Customer Review | See Trends in Customer Reviews on D.R. Kohlman, Inc.
Additional Informationtop
Licensing, Bonding or Registration
This business is in an industry that may require professional licensing, bonding
or registration. BBB encourages you to check with the appropriate agency to be certain
any requirements are currently being met.
These agencies may include:
Wisconsin Department of Safety and Professional Services
1400 East Washington Ave. Room 112, Madison WI 53703
Phone Number: 608-266-2112
Type of Entity
Business ManagementMr. Douglas R. Kohlman, President Mrs. Kathleen G. Kohlman, Co-Owner
Contact Information
Business Category
Geothermal Heating & Cooling Air Duct Cleaning Radiant Heating Contractors - Sheet Metal In-floor Heating Air Conditioning Contractors & Systems Boilers - Repair & Cleaning Heat Pumps Heating Contractors Ventilating Contractors Heating & Air Conditioning Sheet Metal Work Air Conditioning Repair Duct Cleaning Ventilating Systems - Cleaning Boilers - New & Used Heating Equipment Humidifying Apparatus Furnace Sales & Service Plumbing, Heating, and Air-Conditioning Contractors (NAICS: 238220)
Products & Services
D.R. Kohlman, Inc. sells the following brand(s): Trane, Aprilaire, Geo Comfort, NTI, Hi-Velocity, Mitsubishi Electric, Warmboard, Roth, RenewAire

subset: commoncrawl


text:
Business: Budgeting
City to Spend $1.6M to Treat Tainted Park Soccer Fields
by Lucas Sullivan, The Columbus Dispatch October 2014
Columbus will spend about $1.6 million to clean up a Near East Side park where contaminants from an old fertilizer plant were found in the soil.
Nationwide Arena Owner Hasn't Made a Single Payment
by Lucas Sullivan and Josh Jarman October 2014
The city- and county-financed agency has not made a single payment on the loans that paid for the purchase. But public officials said last week that under the terms of the purchase deal, there is no risk of default.
Coalition Ramps Up Fight Against Bucks Arena Subsidies
by Don Walker, Milwaukee Journal Sentinel October 2014
Common Ground, a well-organized coalition of religious and community groups and nonprofits, is ratcheting up its opposition to using public money for a new multipurpose arena in downtown Milwaukee.
Vols Football Program Spent $57K on Training Camp Hotel
by Dustin Dopirak, Knoxville News-Sentinel October 2014
Butch Jones said staying at a hotel for the first eight days of training camp this season was one of the best things Tennessee has done for the development of its young football team. The team stayed at Knoxville's Crowne Plaza hotel from Aug. 10-17 instead of using dormitories.
First-Year Football Program Exceeds Business Goals
by Brad Iverson-Long, The Idaho Business Review October 2014
Just over one month into its first football season in decades, the new College of Idaho team has surpassed many of the goals that college leaders had set for the program.
Bankrupt YMCA Sale to Bring Fitness Equipment Upgrades
by JANE FORD-STEWART, Greenfield-West Allis Now October 2014
The YMCA of Central Waukesha County plans to buy the Southwest YMCA and anticipates spending money on it to catch up on some deferred maintenance and even to go beyond that, said Chris Becker, CEO of the YMCA of Central Waukesha County.
One Business's Unpaid Taxes to Fund MiLB Field Overhaul
by MATT MURPHY, Daily Mail staff October 2014
Funding will come from $3.8 million in unforeseen business and occupation tax revenue the city received in June after an unnamed business was found to have not paid the tax for 10 years.
NCAA Grants to Aid Student-Athletes at Four Schools
by From staff reports October 2014
N.C. Central University is one of four Division I schools receiving NCAA grants to support academic programs that help student-athletes earn their degrees. NCCU will receive $694,338 as part of the Accelerating Academic Success Program grants.
Nationals, Astros Working with City to Close Financing Gap
by Joe Capozzi Palm Beach Post October 2014
Even if the county and teams can reduce a $24 million financing gap, the issue of the county obtaining land in West Palm Beach for the stadium remains in doubt.
NCCU Athletics Aims to Reduce 'Institutional Support'
by LAURA OLENIACZ firstname.lastname@example.com; 919-419-6636 October 2014
N.C. Central University athletics officials are looking to grow department revenues and cut costs under a request from university leadership to keep the amount the school contributes to athletics in check.


text:
Local News Anchor Mocks Food Stamps, Drops F-Bomb
Smooth, bro.
Skip to content, or skip to search.
Skip to content, or skip to search.
PIX 11's Mario Diaz gave her the "NYC pushback."
And 121 times in three days.
A much-loved local network takes the name of its much-loathed corporate overlord.
An NTSB intern couldn't be the only one fired.
They chased her down the street and bit her on the arm.
"This video has been grossly edited out of context." Oh?
Why mess with a local institution?
Abusive morning news anchor "Jack Culligan" sounds pretty familiar.
The police report makes things uglier.
Rob Morrison claims, "I have never laid my hands on my wife."
He's leaving the evening news for his old job.
Hilarious local news gaffe!
"I think I cried every day."
Vivian Lee from NY1 was punched in the neck by a wild lady.
Former weatherman Dave Price is returning.
WNBC has officially named their new anchor.


text:
Resources for older adults, family, and caregivers
Housing and Social Services
Federal and Washington State support programs
Highlighted Resources
BenefitsCheckUp helps find and enroll in public and private benefits programs.
- Information about cultural beliefs, medical issues and related topics pertinent to the health care of immigrants, many of whom are refugees fleeing war-torn parts of the world
- Resources on health issues affecting older adults located under "Patient Education"
Information and resources to educate health professionals, patients and their families on memory disorder
All Resources
Health and medical resources pertinent to the American Indian population
- Information on Psychology Help Center
- Provides education and resources on Psychological conditions
Resources to increase public awareness of the health concerns of minority groups
Guidelines for clinicians and resources for patients/caregivers on medication use in older adults
Provides education, peer support, and resources to family caregivers across the country free of charge
Provides online courses, patient resources, mental health information and more.
Advance Care Planning: An Introduction for Public Health and Aging Services Professionals
Resources for patients and professionals including newsletters and updates on programs that have undergone the Older Americans Act Title IIID submission process
The purpose of this blog is to increase awareness of the impact of culture on health and to support health care providers and students in their efforts to provide culturally sensitive and appropriate health care.
- Resources on housing assistance options for older adults
- Includes information on types of assistance, what health insurance might cover, and costs


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Gretchen am Spinnrade
Gretchen am Spinnrade composed by Franz Schubert (1797-1828). Arranged by Gretchen Renshaw. For Euphonium and Piano. Chamber music. Published by Potenza Music (P2.80027).
Written by Franz Schubert (1797-1828) in 1814, Gretchen am Spinnrade (Gretchen at the Spinning Wheel), D. 118, has become one of the most famous examples of German lieder from the Romantic era. This lied is a setting of text from Johann Wolfgang von Goethe's tragic play "Faust." Gretchen, a principal character in the play, sits at her spinning wheel and daydreams about Faust, who has managed to seduce her. As Schubert so often did in his lieder, he used the piano accompaniment to depict an important element of the lied. In Greten am Spinnrade, the right hand plays an undulating legato line reminiscent of a spinning wheel while the left hand staccato notes represent the treadle, which is the foot pedal used to make the wheel spin. These accompanimental figures are present throughout the entire piece, except at the climax, where Gretchen becomes distracted by the thought of Faust's kiss and, without realizing it, stops spinning the wheel. A song filled with deep passion, Gretchen am Spinnrade presents an opportunity for the euphonium soloist to display intense musicality while conveying Gretchen's infatuation with Faust.
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Gretchen am Spinnrade
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text:
Sutter Home Moscato 1.5Ltr$13.44
Sutter Home Fre Premium Red Non Alcoholic
Sutter Home - California - United States - Napa Valley - Saint Helena
California as a wine producing region has grown in size and importance considerably over the past couple of centuries, and today is the proud producer of more than ninety percent of the United States' wines. Indeed, if California was a country, it would be the fourth largest producer of wine in the world, with a vast range of vineyards covering almost half a million acres. The secret to California's success as a wine region has a lot to do with the high quality of its soils, and the fact that it has an extensive Pacific coastline which perfectly tempers the blazing sunshine it experiences all year round. The winds coming off the ocean cool the vines, and the natural valleys and mountainsides which make up most of the state's wine regions make for ideal areas in which to cultivate a variety of high quality grapes.
For three hundred years now, the United States has been leading the New World in wine production, both in regards to quantity and quality. Wine is actually produced in all fifty states across the country, with California leading the way by an enormous margin. Indeed, as much as eighty-nine percent of all wines to come out of the United States are produced in California, where the fertile soils and sloping mountain sides, coupled with the long, hot summers provide ideal conditions for producing high quality, European style red, white and rosé wines. With over a million acres of the country under vine, the United States sits comfortably as the fourth largest wine producer in the world, where imported grape varietals from all over the Old World are processed using a successful blend of traditional and contemporary techniques.
When it comes to New World wines, and especially wines from the United States of America, Napa Valley is something of a standard bearer. Over its relatively short history, it has managed to transform itself from being a fairly insignificant region, to becoming one of the most important and highly regarding wine locations on earth. With an ideal climate for viticulture, blazing sunshine and a low level of rainfall, this valley is shielded on many sides by mountain ranges which help it maintain a consistent level of heat, light and moisture throughout the year. Today, Napa Valley is a home of innovation and quality, with dozens of grape varietals thriving in the fertile soils. However, the main varietals grown there have always been Cabernet Sauvignon, Chardonnay, Pinot Noir, Merlot and Zinfandel, and the wines they produce are constantly lauded by critics and competitions across the globe.


text:
Junior Member
This issue started like 6 hours ago, i played lol by 1 year and never have problems to play. I was playing a game and then got disconnected, i closed and try to reconnect but the server seemed unavaiable for me, but my friends on skype havnt any problem. I checked my internet connection and it was perfectly working. then i could connect for 5 mins until i got dc again.
I already made a ticket and checked the ports to see if it was a firewall problem but they are not the problem ( http://support.leagueoflegends.com/e...gue-of-legends i followed that guide and used this tester http://www.firebind.com/lol.php to be sure it wasnt the problem)
Please can someone help me?
I'm having the same problem, if you get the answer please tell me (:
They answered my first mail in like 1 hour, but they never answer again after i tryed it
symbolic shadow
im haveing what i think is the same issue. im running repair right now to see if that will help out. ive tried reinstalling cleaning the pc everything. its saying disconected from pvp.net right? durring games and occasionally saiyng unavalable survers? sorry for the english its not to goood. we would LOVE some kind of responce here on this forum riot so PLEAASE!!!!!!
yes, thats exactly my problem. i dont think it is a pc problem since my brother have the same problem in his computer
the same here
same here
i noticed your name "aludarg" are you from argentina? since im from argentina and the other guy said his english wasnt good, maybe could it be a zone problem?
Senior Member
Same problem here... and yes, i'm from argentina.
i moved from diffrent country but my location is not argentina it is east united states s it cant be
© 2014 Riot Games, Inc. All rights reserved. Riot Games, League of Legends and PvP.net are trademarks, services marks, or registered trademarks of Riot Games, Inc.


text:
Page 2
Print without images
Wednesday, January 30, 2008
How I learned to love Dikembe
ESPN The Magazine
Age 33
Pharmaceutical project manager
Austin, Texas
>>I'm a lifelong NBA fan, but when
The Mag
dispatches me to San Antonio, I'm terrified. NBA players are large. And rich. I'm neither.
>>I pull into the media parking lot of the AT&T Center and notice a guy with a comb-over climbing out of an El Camino. I'm already in high company.
>>On my way to the arena's press area, the elevator attendant blames Tony Parker's 1–11 shooting performance the previous night on his recent wedding.
>>It doesn't take long to find the media catering table. It's crowded. I spot the camera guys immediately. Not a handsome group. Big eaters.
>>I gingerly walk out to the court during shootarounds. This is crazy. Can I go anywhere I want? Look, there's Dikembe Mutombo. Man, Bruce Bowen is skinny. Hubie! I see Hubie Brown.
>>I find my seat. Oh, my god. Midcourt, second row. I have my own stats monitor and phone. Very excited. Waiting to be kicked out.
>>There's Manu. There's Manu's bald spot.
>>Seat is mine. Seat is mine. Seat is mine.
>>Big Shot Bob is giant. He's the first player to really impress me with his size. Massive. And tall.
>>I think I just had my picture taken. I'm kind of a big deal.
>>Do you know how tall 7'6" is? It's comically giant. Yao Ming's legs are three times as thick as anyone else's on the floor.
>>Bonzi Wells suspiciously eyes a group of rabid Rockets fans in the upper deck. He has a strange ritual with the hand powder, an odd take on patty-cake. He's turning out to be a weird dude.
>>Is Eva here? Nope. Too bad.
>>During the anthem, I can feel my heart pounding.
>>They turn off the lights for the Spurs' intro, and I see Duncan hanging on the rim, swaying back and forth. He must be stretching. It looks intimidating.
>>Cheerleaders in person > cheerleaders in HD.
>>Comb-over man from the El Camino is the scorer. Funny. Guy next to me is a Hawks scout. Wait, the Hawks have scouts? High turnover, I'd imagine.
>>Three refs, two mustaches.
>>Hawks scout says he's surprised by Manu's bald spot. This explains a lot about the Hawks. How does anyone in the NBA not know about Manu's bald spot?
>>I can see the Fox Sports commentator work the Telestrator. Impressive in person.
>>Duncan off the glass. An NBA jump shot up close is a thing of beauty.
>>During timeouts, Dikembe rubs other players' heads.
>>Oops, I almost cheered. The Worldwide Leader told me not to cheer.
>>Dikembe gripes to a ref during a timeout, even though he hasn't been watching the game. Love this guy.
>>The Spurs mascot, the Coyote, gets too close to Bonzi Wells during a timeout. Bonzi looks scared.
>>The Fox Sports crew has a batch of homemade cookies. Too many for them to eat. Should I ask?
>>Speaking of food, it's a tight game, and Dikembe is entranced by the blimp dropping Quiznos coupons.
>>The Hawks scout thinks I'm spying on him. He's practically turned his back to me. I hide my notes. We're at war.
>>Up close, Brent Barry looks like Vanilla Ice.
>>Shane Battier is checking in. He's got a tiny head for a man his size. >>I finally catch Dikembe watching the game, with 1:24 left in the fourth quarter.
>>Too late. Spurs win.
>>I head to the Rockets' locker room. They say most visitors' locker rooms aren't very nice, and they're right. Steve Francis, who didn't play, stares at me like I owe him money. Two feet to my left, Yao is sitting in a chair giving interviews to nine reporters. They're eye level with him. To my right, Dikembe is holding court in boxer briefs and a dress shirt. I think I make this out: "And the referee gave me a technical foul for wearing red underwear." He sounds like Cookie Monster.
>>I'm very nervous. And Stevie Franchise's stare isn't helping. Eventually I get up the nerve to approach Dikembe.
"Dikembe, anything you want to say to your fans?"
"I love all my NBA fans."
Cookie Monster
"Tell all NBA fans I love them."
He just repeated himself. And he's not smiling. Is he messing with me?
"Thanks, Dikembe."
"Gobbley gurbley doo."
>>The Spurs' locker room is jammed with media. Which raises a question: Can you imagine if, every morning, there were six cameras waiting to film as you stepped out of the shower? Can you imagine making $10 million a year?
>>Matt Bonner emerges from the showers screaming that Kevin Durant hit a three to win a double-OT game. They have TVs in the showers?
>>How do players get dressed in front of reporters? Simple. They slip on their boxers underneath their two towels. Most of them do, anyway.
>>Michael Finley turns down an interview. He's ripped. Brent Barry throws his towel at a few members of the media. Not sure how to explain that one. His dad was known to be crusty.
>>Matt Bonner tells me it's all a dream, the NBA life. He says that his first year of pro ball was in Italy and that his paychecks bounced, and he didn't always have running water. Suddenly, Barry comes over and stares at me. He's waiting on Bonner. I thank Bonner and tell him I could go for a beer. I have no clue why I said that, but I decide I really like Matt Bonner. Dikembe, however, stole the show.


text:
Who you gonna call, Part VIII top-secret advice!
So I just wrecked the pedestal underneath the Fat Diet Docs and celebs, the personal trainers, the network marketers' pills, potions, and juices, and the blood type and metabolic typing docs. I hope you're not feeling without answers. Moms write me and tell me they read about nutrition and go to bed in tears […]Leave a comment • Continue Reading →
iron supplements
Q: Dear GreenSmoothieGirl, my little girl is anemic and also has been constipated for years. She is taking a prescription iron supplement and also Miralax. Couldn't I tweak her diet for better iron absorption or something without overloading her on beef, liver, etc? A: You've read about the beef recall. I would skip the […]6 Comments • Continue Reading →
It's less safe than ever to rely on pharmaceuticals
In case you've been thinking that medical science is on a linear path to progress . . . The L.A. Times says reports of "adverse events" are soaring as Americans take more and more pills: in '05, nearly 90,000 bad drug reactions were reported, with over 15,000 resulting in death. These numbers have tripled […]Leave a comment • Continue Reading →


text:
Leighton Holdings today announced it had entered a binding agreement with funds managed by affiliates of Apollo Global Management, LLC (NYSE:APO)
Optus contract win for civil and services work in the deployment of Long Term Evolution mobile network.Read More
Rollout management for 70 per cent of New Zealand's ultra-fast broadband, and ongoing network operations and maintenance services in Auckland and Northland.Read More
Visionstream provides telecommunications and ICT services across Australia and New Zealand, focused on design, construction, operations and maintenance for carriers, government, channel partners and enterprise industry segments.
Read more about Visionstream.
Custom design and integration of technology solutions to meet client needs.Read More
Dedicated to the ethical management of land access, environmental and pre and post indigenous cultural heritage impacts.Read More
Constructing internal and external plant to skilfully meet customer and regulatory requirements.Read More
Utilising leading technologies to deliver efficient, manageable and scalable packages.Read More
Improving operational efficiency, network quality and asset utilisation, with highest compliance to OHS practices at all times.Read More
Construction, operations and maintenance of a network supporting electric vehicle charging stations in Australia and New Zealand.Read More


text:
Econo Lodge North
1593 Martinsburg Pike
Winchester, VA 22603
Phone: (540) 662-4700
Fax: (540) 665-1762
Starting From
See all Rates
1593 Martinsburg Pike , Winchester, VA, US, 22603
- Phone: (540) 662-4700
- Fax: (540) 665-1762
4.1 out of 5 (63 reviews)
86% of guests recommend this hotel
River Hawk Tours
Discover a more peaceful world of nature with this company which provides you with a relaxing and adventurous experience on the historic Shenandoah River. This touring outfit offers tours to fit your schedule with fishing, sight seeing, and related excursions possible in the comfortable drift boats complete with a local native as your guide.
117 Rosemont Circle
Berryville, Virginia 22611
Earn valuable points toward free nights.


text:
Report: Truckee Man Dies in Alaska Avalanche
A Truckee man is the second fatality in a Tuesday avalanche near Haines, Alaska, according to several media reports.
Nickolay Dodov, 26, was taken off life support in Seattle Wednesday.
The avalanche hit a group of six heli-skiers. The group's guide, 35-year-old Rob Liberman, died Tuesday. Dodov and Liberman were the only two caught in the avalanche.
A report from KHNS radio in Alaska says the two men were wearing avalanche beacons, and were recovered by other skiers and snowboarders.Copyright © 2014, The Baltimore Sun


text:
Shchedrin: The Enchanted Wanderer
2 Super Audio CD / Mariinsky / 2010-04-13Works: Rodion Shchedrin: The Enchanted Wanderer, opera in 2 parts; Four Fragments from the ballet 'The Little Humpbacked Horse', for orchestra; Concerto for Orchestra no 1 ("Naughty Limericks")
Performers: Akimov, Evgeny; Aleksashkin, Sergey; Kapustinskaya, Kristina [Mezzo-Soprano]
Conductors: Gergiev, Valery
Following works by Shostakovich and Tchaikovsky, for its fourth release Valery Gergiev's Mariinsky label turns to music by one of Russia's greatest living composers. Shchedrin's...continue...
Recording information: Concert Hall of the Mariinsky Theatre, St Petersburg, R (07/15/2008-07/25/2008)....continue...
Stars of the Mariinsky Opera - Bellini, Rossini, Donizetti, Mozart / Trifonova, Gortsevskaya, Akimov, et al
1 CD / Boheme / 2008-11-11Works: Vincenzo Bellini: La sonnambula, opera; Gioachino Rossini: L' italiana in Algeri (The Italian Girl in Algiers), opera; La cambiale di matrimonio (The Marriage Contract), opera; Barber of Seville (Il ...
Performers: Akimov, Evgeny; Gortsevskaya, Maria; Shklyar, Yury; Soboleva, Irina; Trifonova, Olga
On this release stars of the Mariinsky Opera sing famous arias accompanied by piano. Sung texts are not included but there are biographies of each...continue...
Rachmaninov: Francesca da Rimini / Noseda, et al
1 CD / Chandos Records / 2007-12-04Works: Sergey Rachmaninov: Francesca da Rimini
Performers: Akimov, Evgeny; Bezzubenkov, Gennady; Didyk, Misha; Murzaev, Sergey; Vasilieva, Svetla
Conductors: Noseda, Gianandrea
Ensemble: BBC Philharmonic Orchestra
Rachmaninoff's one-act opera uses a libretto by Modest Tchaikovsky, based on a story told by Dante in his divine Comedy. An underlying theme is that...continue...
Rachmaninoff: The Bells, Symphonic Dances / Bychkov
1 CD / Profil Edition Gunter Hanssler / 2007-09-25Works: Sergey Rachmaninov: The Bells, choral symphony for soprano, tenor, baritone, chorus & orchestra, Op. 35; Symphonic Dances, Op. 45
Performers: Akimov, Evgeny; Pavlovskaya, Tatiana; Vaneev, Vladimir
Conductors: Bychkov, Semyon
Ensemble: Cologne West German Radio Orchestra
Prokofiev: Betrothal In A Monastery / Netrebko, Gergiev/Kirov Opera [DVD]
1 DVD Video / Philips / 2005-09-13Works: Sergei Prokofiev: Betrothal in a Monastery, Op. 86
Performers: Akimov, Evgeny; Diadkova, Larissa; Gassiev, Nikolai; Gergalov, Alexandr; Netrebko, Anna; Tarasova, Marianna
Conductors: Gergiev, Valery
Ensemble: Kirov Theater Chorus; Kirov Theater Orchestra
"Netrebko looks utterly gorgeous and sings beautifully. The crafty Don Jerome and the equally crafty Duenna are wonderfully acted and sung with great sympathy and...continue...
Picture Format: NTSC, 16:9 anamorphic, Color
Sound Format(s): LPCM Stereo, DTS 5.1 Surround
Subtitles: English, French, German, Italian, Spanish, Chinese
Country of Or...continue...
Prokofiev: Love for Three Oranges / Gergiev, et al
2 CD / Philips / 2001-02-13Works: Sergey Prokofiev: Love for three oranges
Performers: Akimov, Evgeny; Bulycheva, Zlata; Diadkova, Larissa; Gerelo, Vassily; Karasev, Grigory; Kit, Mikhail; Korzhenskaya, Olga; Kuznetsov, Fyodor; Morozov, Alexandr; Netrebko, Anna; Pluzhnikov, Konstantin;...
Conductors: Gergiev, Valery
Ensemble: Kirov Theater Orchestra
"Recorded live at the Amsterdam Concertgebouw, this is the Kirov at its considerable best. 'The Love for Three Oranges' is very much an ensemble piece...continue...


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Quickly Armand went to greet Draco at the entrnce Good evening Arnaud. relied Draco coolly I hope you can squeeze us in we are 5 people. I didn't say you couldn't tease me I just ave to be true to Jewel! I love her jewel came back down and had changed into her smallest bikini it was one I hadn't seen before it was a bright orage almost fluorescent. The three ordered another bottle of white wine and David's girlfriend gave him a peck o the cheek . Avid put his arm around her shoulder and shrugged. I better get to my next class. She smiled and left feeling the heat speading through her he shook his head and gathered his thigs and left. I didn't ctme over to see her.I see her all the time. my boyfriend is such a kutz he can't even figure out how to make a girl wet.like I am right now. He was pale paleruthan usual as he listened to the tape when it was done he threw the glass and it shattered against the wall l. Ckily the liquid missed the Tooker print. But thanks for worryibg about me she added with a warm smile I thought you wer just going to repair the damn wall. Some of the info is still redacted so you must have done. Some crazy shit but we know you were a Delta operator. Other than fucking with Agent H. Rris back there what's it matter what I used to do. I hate to say I told ya Hunter but Kelly did say it'd be better if you wore an Exo. Delaney joined the conversation in a similar whispr Guys shut it. Max growled silently thankfully they immediately shut up he turned his helmet in Veronicas dirsction and nodded. After having so much pressureand responsibility recently it was fun sidestepping the questions while playing at being a bored insolent teen This drawing is obviously our art work is it not? Jenny asked.


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Partner: UNT Libraries
Department: Department of Counseling, Development and Higher Education
Collection: UNT Theses and Dissertations
The correlation between a general critical thinking skills test and a discipline specific critical thinking test for associate degree nursing students
Date: May 2000
Creator: Reid, Helen
Description: In 1997, NLNAC added critical thinking as a required outcome for accreditation of associate degree nursing (ADN) programs. Until recently general critical thinking tests were the only available standardized critical thinking assessment tools. The emphasis has shifted to discipline specific tools. This concurrent validity study explored the correlation between two critical thinking tests, a general skills test, the California Critical Thinking Skills Test (CCTST) and a discipline specific test, the Arnett Critical Thinking Outcome Evaluation (CTOE). Both tests are based on the same definition of critical thinking. The CCTST, developed in 1990, covers discipline neutral content in multiple choice items. The CTOE, a free entry, written response test developed in 1998, assesses critical thinking in nursing situations using a partial credit model. A convenience sample of 434 sophomore ADN students from 9 programs in Texas completed the demographic survey and critical thinking tests in 1999. The sample was 87.9% female and 74.2% Caucasian, with a mean age of 31, mean GPA of 3.13, mean 3.7 years healthcare employment experience, mean CCTST score of 15.0023 and mean CTOE of 82.69. The sample also included 22.4% current LVNs, 15.7% with prior degrees and 53.5% in the first generation of their family to ...
Contributing Partner: UNT Libraries
Counseling Students' Technological Competence
Date: August 2003
Creator: Bullock, Melanie M.
Description: Technology has a profound influence on how business, education, entertainment, and interpersonal communications are conducted. Mental health professionals have been exploring how technology can support and enhance client care since the 1960s. In the last decade the influence of technology in the practice of counseling has increased dramatically. As the use of technology increased, so did the expectations for counselor preparation programs to include technology instruction. In 1999, the Association for Counselor Education and Supervision (ACES) developed the Technical Competencies for Counselor Education Students: Recommended Guidelines for Program Development. This study examines the technological competence of counseling students at one southwestern university based on the ACES recommendations.
Contributing Partner: UNT Libraries
Counselor Effectiveness and Correlations With Select Demographic Variables for Masters Level Counseling Students
Date: December 1999
Creator: Calhoun, Kenneth
Description: Counselor education programs are charged with the responsibility to train students to be effective counselors. Despite relative consistency in academic and clinical experiences, some students are less effective than others. It was the intent of this research to investigate possible relationships which may exist between students' background and experiences and their levels of demonstrated counselor effectiveness as measured by the Counselor Rating Form - Short Version (CRF-S) and the Supervisor Rated-Counselor Interaction Analysis (SR-CIA). It was hypothesized that counselor effectiveness would be negatively correlated with prior teaching experience and level of religious participation. Data was collected using a demographic survey from masters level counseling students participating in their practicum semester. Counseling tapes from each of the participants were collected towards the end of the semester. These tapes were then rated by doctoral students using the CRF-S and the SR-CIA. The total sample size was 28. Regression analysis was used to investigate the hypotheses. Three models were constructed. The dependent variables used were scores from the CRF-S, the SR-CIA and a third comprised of a normalized composite of CRF-S and SR-CIA termed COMPOSITE. Each model used, as the independent variables, years of teaching experience, and hours of religious participation. Results from ...
Contributing Partner: UNT Libraries
Cross-Cultural Adaptability of Texas Dental Hygienists and Dental Hygiene Students: A Preliminary Study
Date: August 2006
Creator: Tavoc, Tabitha
Description: This causal-comparative and correlational study examined cross-cultural adaptability of randomly selected licensed dental hygienists, 1995-2005 graduates, practicing in the state of Texas and first and second-year dental hygiene students attending 5 randomly selected accredited 2 and 4-year dental hygiene schools in the state of Texas. A sample of 289 individuals: 194 enrolled students and 95 licensed dental hygienists, alumni of the 5 schools, completed the 50-item Cross-Cultural Adaptability Inventory (CCAI ®) and a brief demographic survey. The purpose of this study was to determine if statistically significant differences existed among and between licensed dental hygienists and first and second-year dental hygiene students in the state of Texas on a cross-cultural adaptability measure. The study also examined relationships among and between cross-cultural adaptability scores, as measured by the CCAI, and several independent variables. The data were analyzed by using the Statistical Package of Social Sciences (SPSS 12). Eight hypotheses related to group differences and relationships among and between groups and variables were tested. The groups were compared on total CCAI scores using a t-test, and on subscale CCAI scores simultaneously using a descriptive discriminant analysis (DDA). A 3X2 MANOVA was used to compare all groups simultaneously on subscale CCAI scores. The ...
Contributing Partner: UNT Libraries
Culture and Anxiety: a Cross-Cultural Study
Date: December 1998
Creator: Abbassi, Amir
Description: By measuring interactions among and between anxiety and the independent variables of country of origin, gender, level of education, and age, this study attempted to gain insight into how students from different countries experience anxiety on a U.S. college campus. Results of the Multivariate Analysis of Variance (MANOVA) and the univariate test(ANOVA) indicated that the gender and level of education of the subjects made no significant difference. However, when it came to country of origin, there were significant differences between two of the cultural groups and respective anxiety level. Findings also support a positive correlation between age and anxiety levels, with the youngest participants having the lowest anxiety levels.
Contributing Partner: UNT Libraries
Decision making factors in child caregiver reporting of child abuse and neglect
Date: May 2000
Creator: Hagen, Carol Kellerman
Description: This study investigated decision making factors used by child caregivers to identify suspected child abuse and neglect and collected data on caregiver training in the recognition and reporting of suspected child abuse and neglect. Data was collected in July 1999 in fourteen north Texas childcare programs. One hundred twenty three teaching and administrative staff completed a survey based on Jacobson, A., Glass, J. and Ruggiere, P. (1998). Five teachers and five administrators chosen for convenience were read eleven vignettes describing possibly abusive situations to decide whether they were reportable or non-reportable, and to indicate factors used to make their decisions. Administrators (50%) and teachers (13.3%) reported being unfamiliar with child abuse and neglect definitions and reporting laws. Two thirds (66.7%) of the administrators and 39.8% of the teachers had received specific training in recognizing and reporting child abuse and neglect. Administrators were more likely than teachers to report suspected child abuse and neglect. Teachers often reported to program administrators rather than state designated authorities. All subjects relied on information about children, but administrators also used information about parents, with teachers more likely to make excuses for parental actions. With 110 reporting opportunities, training was cited as a factor only twice ...
Contributing Partner: UNT Libraries
Depression, anxiety, self-esteem, and coping in children and adolescents newly diagnosed with cancer and children and adolescents on cancer treatment for a period of seven months or longer
Date: May 2000
Creator: Jones, Tracy L.
Description: Differences in self-reported depression, anxiety, self-esteem, and coping were evaluated in two groups of pediatric oncology patients: newly diagnosed (less than six months post-diagnosis) (n=5) and patients on cancer treatment for seven months or longer (n=5). Participants (6 males, 4 females, ages 7-17 years) completed the Children's Depression Inventory (CDI), the State-Trait Anxiety Inventory for Children (STAIC), and the Culture-Free Self-Esteem Inventory (CFSEI-2); nine of the ten participants discussed in a semi-structured interview their personal experiences and feelings about having cancer. Although the newly diagnosed group had a higher mean score on the CDI than the 7 months or greater group, the difference was not significant (p = .054). The newly diagnosed group also had higher mean state and trait anxiety scores on the STAIC, indicating higher anxiety levels, and a slightly lower CFSEI-2 mean score, indicating slightly lower self-esteem than the 7 months or greater group, but differences were not at a statistically significant level (p>.05).
Contributing Partner: UNT Libraries
Descriptive Analysis of the Association for the Study of Higher Education Dissertation of the Year Award Winning Dissertation and Recipients, 1979 - 2004
Date: December 2006
Creator: Powell, Monica S.
Description: This mixed-methodology study examined a set of award winning dissertations to determine what factors may have led to their receiving recognition by the Association for the Study of Higher Education (ASHE). The study addressed seven specific research questions which were answered via two different research designs: 1) a survey administered to the 27 recipients of the dissertation award, and 2) through the qualitative assessment of a sample of the winning dissertations. The quantitative survey was distributed to recipients of the Association for the Study of Higher Education Dissertation of the Year award from 1979 through 2004. The survey collected specific information on the personal attributes and characteristics of the award recipients, descriptive information about the award winning dissertations, information concerning the quality of the winner's doctoral experiences, the quality of their relationship with their dissertations advisors and the progression of their careers after winning the award. The qualitative assessment involved applying a set of evaluative questions provided by Gall, Gall and Borg to describe a sample of the award winning documents. The results indicated that recipients of the ASHE award were not representative of education doctoral students as indicated by 2004 data. The results of the study also indicated that, ...
Contributing Partner: UNT Libraries
A descriptive study of accredited counseling programs.
Date: December 2001
Creator: Brew, Leah
Description: The Council for Accreditation of Counseling and Related Education Programs (CACREP) is the accrediting body for the field of counselor education. Since the inception of the standards, several individuals have published journal articles reviewing the strengths and weaknesses of CACREP accreditation. The purpose of this study was to do a preliminary survey of the opinions of individuals within CACREP accredited programs to discover the effects of accreditation on programs. The survey of opinions from respondent CACREP accredited programs indicated interesting results. The eleven frequently held beliefs about improvements after accreditation was substantiated by the number, the percentage, and the Chi Square results from respondent programs. Therefore, after CACREP accreditation, most programs reported the opinion that: students have higher grade point averages and test scores; students are younger, learn better, and receive more employment opportunities; a higher percentage of students pass the licensed professional counselor examination; average scores are higher on the nationally certified counselor examination; programs receive more applicants and faculty is more professionally active, publishes more, and presents more. The second part of the survey indicated that a large percentage of respondent programs offer courses beyond the CACREP core curriculum experiences (91%) and that a variety of courses are ...
Contributing Partner: UNT Libraries
A descriptive study of students who were accepted for admission at West Texas A&M University but did not enroll
Date: December 1999
Creator: Barton, Mary Edna
Description: Each year, institutions of higher education devote valuable financial and personnel resources in the hope of enhancing student recruitment and matriculation. The purpose of this study was to examine the demographic characteristics, the factors that influenced students decisions to apply for admission to a university, their educational intentions, and their reasons for not enrolling after they had been admitted. The subjects of the study were first-time freshmen accepted for admission to a mid-size, public, southwestern university who did not enroll for the fall 1997 semester. Statistically significant differences were found when comparing no-shows and enrolled students by gender, ethnicity, age, ACT/SAT score, and distance of their hometown from the university. There were more female no-shows, and more males enrolled than females; a greater percentage of no-shows reported the distance of their hometown to be more than 200 miles; and the mean test score for no-shows was higher. Factors important in the college selection process found to be statistically significant among the groups were: a greater percentage of Minorities than Caucasians reported the importance of the financial aid award or a scholarship offer; students living within 100 miles of the campus reported the proximity of the university as important, advice received ...
Contributing Partner: UNT Libraries


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Manufacturing employment drops, yet payrolls remain large
America's manufacturing sector has been on the decline for roughly 30 years. Several statistics could be cited as proof. Let's stick with the most basic of indicators -- seasonally adjusted employment figures (as of August in the given year):
- 1960: 15.4 million manufacturing jobs
- 1970: 17.8 million
- 1980: 18.4 million
- 1990: 17.7 million
- 2000: 17.3 million
- 2010: 11.5 million
- 2012: 11.9 million
The drop, as you can see, began in the early 1980s, but was kept to reasonably small levels until 2001 and 2002, when the nation lost more than 1 million manufacturing jobs in consecutive years.
A slight recovery has occurred during the past two years, with America regaining 409,000 manufacturing jobs since 2010. But nobody is predicting a return to the employment levels of 2000, let alone 1980.
Yet make no mistake. Manufacturing remains a vital source of wages. The following database provides the latest U.S. Census Bureau data for the 386 markets that contain at least 100 manufacturing industries. All numbers are from 2010.
You can use the tab to winnow the list to a single state, or you can hit Search to see everything at once. If you want to re-sort the list, click the appropriate column header.
Here are the collective figures for all 386 metropolitan and micropolitan areas: 251,530 manufacturing firms, employing 8.77 million workers, earning a total of $463 billion, averaging $52,800 per worker.
America's high-tech capital, San Jose, is atop the salary list, as is so often the case. Its manufacturing employees earned an average of $99,200 in 2010. San Francisco-Oakland was a distant second at $76,300.
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doubles with my dear Axel http://www.lomography.com/homes/suizidekidThis photo was shot on film. Taken by aguigabriela with a Canon AE-1 loaded with Fuji Velvia 100F film in Caracas, Austria. These tags describe this photo: austria, vienna, venezuela, caracas, canon ae-1, lc-a, fuji velvia, x-pro, crossed process, film swap, doubles, analog, lomo, and film. Date: 2012-10. Time: Afternoon. This photo can also be found in the album doubles with suizidekid part I: caracas x vienna.
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my back door is not right the sliding part is on the outside so sticks wont help keeping people out someone broke in and stole my brothers 4 thousnad dollar laptop so i need to find a way to lock it to where people cant just take it off the track from the outside anyone have any ideals
- Forum >
- Miscellaneous >
- someone broke in sliding glass door
There are many types of auxiliary locks available that will not only prevent break-ins but will also stop the lifting out of the door from the outside. Check with your local locksmith.
use self tapping screws and put a 2 inch 90 degree bracket on the inside lower of the door where it wont affect the opening or closing of the door and cut a 2x4 to length that can be dropped down to lock the door.
Hi red! What did you end up doing to take care of your problem? I have a sliding door also, but it's on the inside, so it's not a huge problem. If you don't already have one, you may want to consider getting a security system to protect your home. There have been a lot of break-ins in my neighborhood recently, so I've been looking into it myself!
Sliding glass door repair
installing a new sliding glass door...
installing a new sliding glass door...
Sliding Glass Door
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Are the emerging markets finally decoupling from the United States?
PEDRO-PABLO KUCZYNSKI Minister of Economy and Finance, Peru
The omens are good.
It is too early to tell although the omens are good. The international setting is at present very favorable to commodity and semi-industrial exporters like most Latin American economies. Exports are rising fast, so are reserves, and all this makes following good policies easier. It will take a tougher international setting before one can tell if Latin American countries have really decoupled from the United States. Decoupling is not an attainable goal, but gaining a degree of financial independence is.
Domestic fiscal policies, always the Achilles heel of Latin economies (including the Latins of Europe), have greatly strengthened, well before the international improvement picked up speed. This is why Chile and Mexico are rated "investment grade" and others, such as Brazil and my own country of Peru, are rapidly gaining ground. In Peru, for example, the consolidated public sector deficit is down to about 1 percent of GDP (with a central government surplus), domestic interest rates have plummeted, and exports are up 70 percent in three years (up 50 percent by volume), while domestic inflation is comparable to that of the United States.
A key element in decoupling is building up domestic capital markets. Chile has been the pioneer: as private pension funds have grown, the financial effects have spread to insurance companies and mutual funds, giving local capital markets much greater depth, especially in the bond market with greater liquidity and longer maturities. In Peru, private prime corporate borrowers regularly tap the soles market, at fixed rates to seven years and variable rates up to twenty-five years, as does the government. We are studying prepaying a part of our Paris Club debt through a local issue, thereby reducing the foreign exchange exposure of our debt.
Finally, another key element is to reduce the burden of public debt as a percentage of GDE a natural outcome of pursuing prudent fiscal policies, especially during times of bonanza. Some Latin American countries still have debt ratios that are too high. In order to begin to gain a reasonable degree of financial independence, these debt ratios must come down sharply, especially at a times such as now.
2005 seems too soon to worry.
JEFFREY FRANKEL Harpel Chair of Capita/Formation and Growth, Harvard University, and Director of the Program in International Finance and Macroeconomics of the National Bureau of Economic Research
Easy monetary policy in the form of low real interest rates, especially in the United States, helped fuel the flow of capital into emerging markets during 2002-04, as it did in the late 1970s and the early 1990s. It is also clear that tightening of monetary policy during 1980-82 helped precipitate the international debt crisis, and the same in 1994 for the Mexican peso crisis. The question is, with U.S. interest rates now again on the rise in 2005, will international investors this year pull out of emerging markets and precipitate a new round of crises? Other markets now look vulnerable to a reversal of the 2001-04 "dollar carry trade"--U.S. bonds, real estate, commodities--so why not also emerging markets?
Interest rates are of course not the only determinant of the demand for emerging market securities. Prospects for growth are as relevant as the discount rate. Such prospects look good for many developing countries.
Equally as important as actual growth fundamentals is investor sentiment. The waves of sentiment for emerging markets seem to follow the biblical pattern: seven tat years followed by seven lean years. Consider the last three decades:
* Strong capital inflows during the seven years from 1975 to 1982:
* Net outflows during the "lost decade" that followed the 1982 international debt crisis from 1983 to 1989;
* Strong inflows again from 1990 to 1996; and
* Outflows during the East Asian and subsequent crises, 1997-2002.
If this pattern holds true, we are still at a relatively early stage of the latest boom phase of the cycle, and not particularly vulnerable to interest rates or other shocks. Is the biblical cycle to be taken seriously'? What is the mechanism?
Seven years may be how long it takes for a given class of investors to forget about the risk of a crash, to decide exuberantly that they are living in a new world, and to overextend themselves. Perhaps the mechanism is job turnover in banks and other institutional investors. In any case, 2005 seems too soon to worry. Memories are still fresh. Today's investors are aware of the risks, and not overextended.
There is a possible "sea change" underway, but it depends on how the Fed goes.
Head, Global Economic Research, Goldman Sachs International
The apparent resilience from major emerging markets to the Fed tightening cycle so far raises the possibility that we have entered a "sea change" in terms of historical comparisons. What is not clear is whether this will persist if the Fed continues to tighten. The answer will depend
on exactly how and why the Fed will need to tighten further, and also whether there are true fundamental changes to major emerging markets.
We have showed that by 2050, there is a possibility that the combined GDP of the so-called BRICs (Brazil, Russia, China, and India) economies could exceed the combined GDP of the current G6 (G7 minus Canada). This prospect has been influential in driving financial markets in the past couple of years in addition to the cyclical strength of their economies and overall balance of payments situation. Normally, most emerging market nations will run balance of payments deficits to varying degrees. Currently, the BRICs economies appear to be posting strong basic surpluses. Linked to this economic health, the appearance of the BRICs nations at the February G7 meeting was de facto recognition of their growing importance to the world, thus warranting perhaps some permanent reduction in the associated risk premia.
Despite these optimistic factors, the improved performance of emerging markets is taking place at the same time as strong belief that the Federal Reserve will only need to raise interest rates modestly in the coming year or so. At the moment, futures markets expect a Fed funds rate close to 3.5 percent by the end of 2005, and more generally markets seem to be debating whether the Fed will need to raise rates beyond 4 percent or not. If there was an inflation surprise in coming months, and markets were forced to reconsider Fed policy and anticipate, for example, the risk of short rates rising to 6 percent or higher, then this might be a more challenging environment for emerging markets. Indeed, it would probably require such a challenge before one could conclude that emerging market borrowers are less vulnerable than in the past. To help provide a positive answer, it remains important that key emerging market nations continue with their generally impressive policies including adopting the best macro policy practices from the major economies. On balance, circumstances warrant a continued optimistic stance toward emerging market debt.
The Asian economies will definitely be affected.
Asia Policy Chair, RAND Corp., and author of five books, including The Rise of China
U.S. interest rates still drive Asian interest rates and economic performance.
First, over a period of time economies whose currencies are tied to the U.S. dollar come under pressure for interest rate parity with the United States. The economic consequences are strongest in Hong Kong with its small economy and sensitive property sector. But other forces also affect rates.
Second, if U.S. interest rates tighten sufficiently to mop up loose money, the rising tide of U.S. imports necessarily decelerates. The trade adjustment will be very difficult for Asia and Latin America. In Asia, that is unlikely to cause economic contraction, but it is very consequential. It will decrease U.S. demand from China and therefore decrease Chinese demand for imports from the smaller Asian economies and Japan. The primary effect in China is not to raise interest rates, but rather to reduce loan volume, worsen overcapacity, and increase non-performing loans; the impact is deferred but it is hard to overemphasize the scale of overcapacity and the potential consequences of rapid consolidation. In the rest of Asia, it will reduce capacity utilization and widen credit spreads.
Third, loose money in the United States has created U.S. dollar weakness and triggered vast speculation on Asian currency revaluations--some $75 billion to China last year. Those speculative inflows have been increasing Asian loan volumes and reducing interest rates. If U.S. interest rates were to rise to the point where they began to stabilize the U.S. dollar, the (potentially spectacular) reduction of speculative flows would sharply tighten the volume of lending in China and raise interest rates in other dollar-related economies.
In the meantime, when we don't know where the tipping point on the dollar is, foreign exchange risk rises and should increase risk premiums for numerous Asian businesses.
The issue for the markets is not whether substantial increases in U.S. interest rates would affect emerging markets, but rather how substantial the U.S. increases will actually be.
Most are less vulnerable to swings.
Senior Fellow, Institute for International Economics
So far in this upswing, emerging markets have been able to borrow more, but they have not used the proceeds to run current account deficits. Rather, they have built up their reserves and allowed their citizens to build up their holdings of foreign assets. This makes most emerging markets (doubtless there are exceptions) much less vulnerable to swings in financial conditions in the United States than they traditionally have been. It is this, rather than a greater depth of global financial markets, that is the basis of the hope that this time the emerging markets will be able to decouple themselves from the prospective tightening of U.S. monetary policy.
One may doubt whether most emerging markets will be able to continue running current account surpluses once the adjustment in the U.S. balance of payments starts in earnest, as it will have to do one of these days. But this does not condemn emerging markets to a return to the days of crisis. The level of debt could decline even as countries return to current account deficit provided that the deficit is smaller than the inflow of foreign direct investment minus the outflow of residents' capital. Even if the level of debt rises, vulnerability can still decline over time provided that the growth rate of debt is less than that of GDP and exports. And debt does not need to be the threat that it was in the past if reserves are maintained high, short-term borrowing is discouraged, and most borrowing is in domestic currency rather than dollars. Many countries appear to have learned these lessons, and provided they maintain their prudent stance as the cycle progresses there is every reason to hope that decoupling will remain a reality.
They're less vulnerable than a decade ago, but external events still could produce a serious setback.
Professor of Law at Georgetown University and former Assistant to the President for International Economic Policy
It seems a bit churlish to sound a note of caution on emerging market investments, since lately there has been so much to applaud in the policies and performance of those markets. Fiscal and external accounts have been generally well managed. Borrowing has become more diversified, with increasing numbers of issues denominated in euros. Several global issues have even been offered in local currencies, a promising sign that the "original sin" of developing country finances can indeed be expunged. Foreign direct investment, less volatile by nature, is now the most important source of foreign capital in all regions except emerging Europe.
Yet some nagging facts remain. The substantial increases in bank and bonded lending to emerging markets that has compressed spreads below 400 basis points over U.S. Treasuries have been significantly driven by a search for yield. The allocation of investment capital to emerging markets, as well as other high-yield destinations, is dependent on expectations that the Federal Reserve will make good on its promise of measured increases in interest rates. Any more abrupt change could produce some disruption in emerging market capital flows. Needless to say, a less-than-orderly decline in the dollar would be similarly disruptive. Perhaps more importantly, emerging markets--like the rest of the world--are still dependent on continued demand by U.S. consumers for foreign goods and services. Any setbacks in the real economy will quickly be felt abroad, particularly in emerging markets.
In short, in the near term problems in emerging markets are unlikely to begin at home. They are surely less vulnerable to full-fledged crisis than a decade ago. But external events could still produce a serious setback. Policymakers in emerging markets can only hope that the current confidence of U.S. policymakers does not, in retrospect, look more like complaisance.
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A visit with former NFL great Kevin Mawae and actor Michael Papajohn; both former standouts at LSU, who'll be inducted into the university's Hall Of Distinction tonight.
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CHOKING HAZARD -- Small parts. Not for children under 3 yrs.
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President Barack Obama is on his way to Copenhagen on Air Force One — where he will meet the First Lady, and they will make their case for Chicago to host the 2016 Summer Olympics. It is the first time an American president has taken such a step. Chicago faces stiff competition from Tokyo, Rio de Janeiro and Madrid. Bookkeepers are currently giving Chicago the edge over Rio. The International Olympic Committee will announce the host city tomorrow at 12:30 p.m. eastern. So tonight, we ask: Which city is going to win? Tell us what you think. You can follow "Nightline" anytime on Twitter: http://twitter.com/Nightline.
Closing Arguments: Obamas Go for Gold
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Help kids learn to do-it-themselves ! They'll learn how to rebuild two computers in our upcoming after school "boot" camp. One to take home, one to give to a low-income family. The Monterey County Gives campaign will match a portion of all donations made through their website, click here to donate. The campaign runs from Nov 13th - Dec 31st, 2014.
Did you know that one in five families in MoCo...
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