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The Too Big To Fail Subsidy Is Negative Sixteen Billion Dollars, Or Possibly Some Other Number
By Matt LevineThe story so far is that a few days ago Bloomberg View claimed that the ten biggest U.S. banks got an annual subsidy of $83 billion from being too big to fail. That claim seemed silly to me, and I said so, and this weekend Bloomberg responded to that post saying, and I quote, "we weren't kidding." Apparently the people who keep the blogging rulebook believe that I now have to write a post in response to their response to my response to their original claim, and so this is that post. Actually this is that footnote, whatever.1
Up here let's be super super naïve and just ask: how much do too big to fail banks pay to fund their balance sheets, and how much would they pay if they were smaller and failier and less government-supported? One dumb way to go about answering that is to actually just look at the cost of funding of some banks. We can start with the big five that Bloomberg uses – JPMorgan, BofA, Citi, Wells Fargo, and Goldman – and compare them to some smaller banks. Since Bloomberg seems to believe that Fitch believes that the TBTF banks would be rated around BBB- were it not for their TBTF-ness, we can compare them to some banks rated BBB- by Fitch. I chose five BBB- rated bank holding companies pseudorandomly from Fitch's web page: Associated Banc Corp, TCF Financial Corp., First Horizon National Corporation, First Niagara Financial Group, and Zions Bancorporation.2 Then I just looked at how much those banks paid for their funding (interest expense, preferred dividends), compared to how much the big five banks pay.
Here are some average numbers:
Data and calculations are here. Now this oversimplifies a lot of things, of course, but as some wise people once said, "Our experience with such calculations has taught us that the simple approach typically gives you pretty much the same answer as the complicated approach."3
The differences are striking, aren't they? The small banks average less than 2% of the assets of the big ones, and at BBB- are rated 4 to 6 notches lower. But their blended average cost of funding is 20 basis points lower – not 80 basis points higher, as Bloomberg claims – than that of the big five too-big-to-fail banks.4 For the five banks combined, that 20bps of assets works out to over $16 billion per year. The too-big-to-fail banks are subsidizing us!
That's silly of course: the reason JPMorgan and BofA and Citi pay more for funding is some combination of
- Some of their funding sources don't trust Fitch's ratings implicitly, and think that funding Citi is riskier than funding a small boring BBB- rated regional bank, and
- They rely on different sources of funding: instead of just "issue checking accounts and make loans," they fund using repo and wholesale deposits and CP and relatively more long-term debt than the regional banks do, and those sources of funding have a higher cost than, y'know, checking accounts.5
The first source of the TBTF "penalty" that we've identified suggests that Bloomberg's approach – which, at base, relies on Fitch's analysis of (1) how safe banks are and (2) how much of that safety derives from government support – is wrong. Fitch may see more of a too-big-to-fail subsidy than the market does. Sometimes ratings agencies make mistakes.
But the second is more important. If you take Bloomberg's approach at face value, then JPMorgan pays 80bps less for long-term debt than Associated Bank Corp does (2.2% vs. 3%, to make up numbers), and 80bps less for six-month CDs (0.5% vs. 1.3%, again, to make up numbers), and 80bps less for checking accounts (0.0% vs. 0.8%), and so on down the line. But that would only mean that JPMorgan pays 80bps less for its funding than Associated Bank Corp does if JPMorgan used the same mix of funding.
But it doesn't. JPMorgan has way more long-term debt – something like 10% of its assets. (Goldman has 17%.) It relies less on checking account deposits and more on capital markets. And it ends up paying about 8 basis points more, not 80 basis points less, than Associated.
What does that mean? JPMorgan will tell you – at their investor day today, for instance – that it means they're conservatively funded with, you guessed it, a fortress balance sheet:
This may not be the whole story – arguably consumer checking accounts, for all that they are demand liabilities, are a more conservative source of funding than repo lending. But it's not wrong, either: the big capital markets banks, whether due to personal upstandingness, regulatory pressure, or market discipline, really do seem to fund longer-term, more conservatively, and more expensively than their non-too-big-to-fail brethren. Perhaps if they lost access to implicit government support, they'd find it more expensive to issue long-term debt. Perhaps then they'd stop, and rely more on deposits.
And then perhaps they'd shut down their capital markets businesses and become Associated Banc Corp.? And maybe that'd be a good thing? If you want to break up the banks, by all means, keep wanting to break up the banks. (Good luck!) But don't do it on the basis that the big banks recklessly take TBTF-subsidized deposits and gamble them in capital markets. The opposite – that the TBTF banks use long-term expensive funding to appropriately cushion themselves from the risks of their capital markets businesses – seems closer to the truth.
Remember That $83 Billion Bank Subsidy? We Weren't Kidding [Bloomberg View]
earlier: Why Should Taxpayers Give Big Banks A Subsidy of $83 Billion Per Year, Or Any Other Made-Up Number For That Matter?
Some math [Google Docs]
1. THING ONE: Bloomberg based its calculations on a paper which in turn relied on Fitch's overall credit ratings and "support ratings," which reflect Fitch's estimate of how much TBTF support each bank gets. I expressed skepticism that Fitch's views of credit generally and government support in particular are either (1) right or (2) accepted by the market broadly. Bloomberg did not address that skepticism. WINNER: ME.
THING TWO: The paper Bloomberg cited attempted to calculate the uplift that the big banks get from expected government support on five-year unsecured bonds. Bloomberg applied this to all liabilities, including things like FDIC-insured deposits, overnight secured funding, etc. I suggested that an 80bps spread (the number they came up with) on five-year unsecured bonds does not necessarily translate into an 80bps spread on overnight secured paper, or FDIC insured deposits. Bloomberg's response is to cite another paper finding a funding advantage to too-big-to-fail banks on uninsured deposits too, from 2005 to 2010.
I have not read the paper closely but I note again that its conclusion sounds odd in a world where 1.2% is a very rich interest rate to get on your deposits. But as Bloomberg say, "The purpose of our analysis, and the study, is to estimate the long-term value of the too-big-to-fail discount," so the fact that it has nothing to do with conditions existing in the present, recent past, or near future does not deter them. I also note that it's quite strange to believe at the same time that (1) non-TBTF banks pay an 80bps premium on five-year unsecured debt and (2) they pay a 120bps premium on demand deposits. That is quite an inversion of the imaginary-TBTF-premium curve.
In any case that applies only to certain types of uninsured deposits, not the rest of the banks' balance sheets. So I feel okay here? Still, I confess I overreached in doing my contrarian math of saying that the TBTF premium applies only to long-term unsecured bonds – surely there's some cost savings for things like deposits and repos – though I doubt it's 80bps. As they say, "it's true that including deposits might skew the results. Problem is, so would excluding them." That's not wrong. I'd call this one a draw.
THING THREE: They computed their 80bps TBTF subsidy based on the average subsidy to any TBTF bank worldwide, as computed by the paper they relied on. I pointed out that the U.S. TBTF banks they actually looked at got a much more modest subsidy, according to that same paper, just because they were highly rated to begin with and, as the paper said, "government support is more 'valuable' at lower rating levels." The right number, I thought, was more like 30bps.
They have two responses. The first is that the big five U.S. banks got six notches of uplift, from BBB- to AA-, which implies 50bps of uplift, closer to my 30bps than their 80. This is based on 2009 data; only one of those banks, Wells Fargo, is actually still rated AA-, with the rest in the A range with as far as I can tell four notches of uplift (from BBB- to A'ish). I think I win this one, unless you really care about 2009 much more than 2013.
The other response is that those numbers come from a very long-term premium for debt ratings:
Because we're focusing on the U.S. and because the experience of the 1920s isn't necessarily a good indicator of what will happen in the coming years, we might want to use a more relevant measure. Consider the difference between two Bank of America Merrill Lynch indexes that track the yields on actual AA and BBB bank debt in the U.S. Over the 10 years through early 2008, the average gap was 1.13 percentage points. From this perspective, our blind use of 0.8 looks conservative.
This seems fair to me: even as I did it, it struck me as a little silly to claim that the difference between an A and BBB- bank was 30bps on senior unsecured debt, even though that's what Bloomberg's source paper said. If you use actual current spreads, it gives them some breathing room to be wrong on some stuff, since those spreads are wider than historical levels.
2. Methodology: go to Fitch web page, search for U.S. banks rated BBB+/BBB/BBB-, choose first five BBB- names that sounded clearly BHC-y (as opposed to bank-subsidiary-y). I'm willing to believe that this is an unrepresentative sample but so it goes.
3. Bloomberg View, I don't want to tell you how to live your life, but: never say that! It's self-evidently wrong, for one thing ("when I design an airplane, I find …"), and it has a whiff of math-is-hard, for another, but most importantly: my experience with such (?) calculations (?) has taught me that there are lots of simple approaches and they all contradict each other. My approach in the text is, I submit, simpler than the approach of relying on an econometric paper using Fitch ratings, and it gets the opposite result, so I win, or something.
4. That is, their cost of non-common-equity funding. I am not a huuuuuge believer in the idea that common equity has a high and quantifiable cost but whatever. The non-TBTF banks run an average of 131bps less common equity, so if you're a deep believer in the cost of equity then you might worry about that. What's the cost of equity for banks? Is it 10%, as some people seem to believe? Then the TBTF penalty is only like 6 bps:
5. Also the arithmetic fact that the small banks have more equity and I'm implicitly assigning a zero cost to common equity in the main text. If you charge for equity it's more like a push than a penalty.
Comments (66)
Alright, Matt going head to head with the almighty Bloomberg.
make us proud, Matt. -
Bloomberg done picked the wrong fight. Matt makes more charts and graphs by lunchtime than that clown could make with two weeks preparation and a small army of floozy interns.
Never seen Matt experience so much butt hurt
Matt, I heard you and the iditos that wrote the Bloomberg articles are the undercard for the next Icahn-Ackman cage match. Any truth to this?
"Perhaps if they lost access to implicit government support, they'd find it more expensive to issue long-term debt."
I didn't realize Shazar was the head editor at Bloomberg now.
"Those clowns"
The rebuttal was writen by "the Editors"- don't want to leave anyone out.
"The Editors." Sounds like a "Star Chamber" type group to me. A journalistic cabal united against DB.
Matt, I want to make love to your brain and then eat it.
-Zombie Cannibal Cop Quant
Matt, you had me at "TBTF" ;)
Someone once told me that Matt only debates when he's going to win.
And damn did he win. -
Must suck to pick a fight with a kid who took a 95% paycut to do this for fun, and lose.
– Team Matt
Bloomberg should focus on
1. telling us why the French are right to turn off city lights at night (and quote public safety advice from astronomers and literature professors);
2. telling us why we should not be permitted to drink beverages from large and/or styrofoam containers
3. telling us why we should not be worried about being shoved onto subway tracks.Thanks!
Boom, Roasted.
We shall fight them in the title, we shall fight them in the text, we shall fight them in the footnotes; we shall fight those Bloomberg bastards back to their realm of limited size sodas without styrofoam containers. We shall never surrender!
Block quote within footnote = mind blown
Team Levine
You are my hero, Matt. Thank you. Just…. thank you.
Matt bullied me with charts.
Really hoping Levine Terminals aren't where he comes at us next.
Matt is no longer capable of blowing my mind after he footnoted a footnote a week or so back.
Footnote 1 – Paragraph 6 – First word – THEY********
– guy who thought he would be excited but is actually a little sad at Matt's first grammar error.
I have.
-Lamar Rambone
Footnoteception. We need to go deeper…
Take a look at this love-fest, Shazar. Matt got some nasty comments at first, too. Not as many as you get, granted, but still.
I'd like to pretend that after Matt had Shitzar type out this article, he sent his original notes, handwritten on a used napkin, to Bloomberg….. along with a mentos booby trapped 2 liter soda bottle…..
Yup, that would just about make the time I spent reading the footnotes worth it.
Please don't compare my son to that freak with the chihuahua that called the house the other day asking if anyone there could explain the difference between debt and equity, because it was really confusing him.
What are the interest RATES the TBTF banks are paying to borrow money, citing interest as a % of liabilities or % of assets isn't really telling me anything.
Yes, it is, you're just too much of a moron to understand it.
Bloomberg here is like the Arab guy in Indiana Jones who waves the sword around displaying years of practice and training.
And Matt just fucking shoots him.
Actually, I think that interest as a % of liabilities is exactly what you'd need to find out your interest rate (if Principal * Interest Rate = Interest, then Interest / Principal = Interest Rate). Although one problem here is that a portion of liabilities (the demand and time deposits and savings accounts) should have an interest rate that is not directly reduced by the TBTF subsidy (as it is insured), although it is indirectly affected (if a TBTF bank can borrow in the repo market, it might not need to be as attractive to depositors). Also, depositors are attracted by factors other than interest rate (convenience of ATMs and branches, account fees, which bank extended a HELOC). And finally, it's a difficult comparison to make since TBTF and non-TBTF banks have a very different allocation of liabilities. All of these problems were acknowledged by Matt.
As you state, interest as a % of assets isn't as useful. It's also not used. Matt does use interest + preferred dividends as a % of assets, which also doesn't seem particularly useful to me (it's redundant with the next box that TBTF banks are slightly more leveraged than non-TBTF banks). But more data is always better [from the standpoint of an investment banker looking to confuse you].
Umm, you're laying it on a little think with the negative sixteen billion. Approved talking points are… there is no TBTF any more, a proper Treasury Secretary (like me) could wind up a big bank before lunch without causing a ripple in the market. And…we're doing God's work, big companies need big banks. And… we never really needed a bailout, we just took it because Hank asked nicely. It's costing me money to be big? You trying to make me look stupid?
Matt said to Bloomberg: You come against me with total liabilities and "facial" aspects and a simple approach that typically gives you pretty much the same answer as the complicated approach but I come against you in the name of Dealbreaker whom you have defied. This day the Lord will deliver you into my hands, and I'll strike you down and cut off your head. This very day I will give the carcasses of the Bloomberg Editors to the birds and the wild animals. And Matt triumphed over the Bloomberg Editors with charts, graphs, spreadsheets, footnotes, and footnotes within footnotes; he struck down the Editors and killed them."
–1 Samuel 17 (revised edition) -
Calm down Jamie, at least you're not coming to the realization the guy actually enjoys this shit, and here you had been paying him handsomely for years under the assumption doing this stuff 24/7 wasn't his idea of fun.
You had me at facial.
Looking forward to the Dealbreaker Dramatic Reading of this.
I pictured Matt's interaction with bloomberg as more of an Ezekiel 25 17
[youtube -FlTj6fcSJ8 http://www.youtube.com/watch?v=-FlTj6fcSJ8 youtube]
Like a boss…
:: typewriter drop ::
Free on nights and weekends, with no discernible skills? Are you a Bloomberg editor or my cellphone bill?
And Saint Matt raised the hand grenade up on high, saying, "O Lord, bless this thy hand grenade, that with it thou mayst blow thine enemy Bloombergers to tiny bits, in thy mercy." And the Lord did grin. And the people did feast upon the lambs and sloths, and carp and anchovies, and orangutans and breakfast cereals, and fruit-bats and large chu…
The first 5 seconds of this is all you need to describe Matt's interaction with Bloomberg
Clarification: the guy on the couch is Bloomberg's analysis
I guess that's why you make more money than me.
Matt please submit your analysis BEFORE I question Bernanke next time.
-Elizabeth Warren
Elizabeth Warren desperately needs some Laxbro love…
And the Lord spake, saying, "First shalt thou take out the Holy Pin. Then shalt thou count to three, no more, no less. Three shall be the number thou shalt count, and the number of the counting shall be three. Four shalt thou not count, neither count thou two, excepting that thou then proceed to three. Five is right out. Once the number three, being the third number, be reached, then lobbest thou thy Holy Hand Grenade of Antioch towards thy foe, who, being naughty in my sight, shall snuff it.
Amen. -
The dealbreaker comment section is like 4chan for bankers…
Matt Levine: "This just in! Here's a study I did on the hours of sleep the average bulge bracket employee gets. Result: the average is 8 hours!
Footnote: We didn't include any datapoints from anyone in investment banking, S&T or senior management. We only included Ops and HR. And we only included sleep hours on weekends. I'm willing to believe that this is an unrepresentative sample but so it goes."
I'd like to see your analysis with a wider variety of non-TBTF banks, rather than with the top 5 on the fitch webpage which you admitted isn't necessarily a representative sample in the footnotes. I guess by outright stating this in the footnotes, you're trying to preempt the criticism…but the fact still stands that it's not necessarily representative and so you really aren't proving anything.
Interesting that the mother of one of the Bloomberg editors took the time to come here and post this.
– 4chan MD
you seem dumb
She kind of looks like a CS prof that failed me sophomore year. I would have done anything not to retake that course. Anything.
Did you get lost on the way over to HuffPo?
Nice counterargument.
How about you research and present an analysis with said other banks instead of asking Matt to do your homework for you? Then you can come back here and comment on "counterarguments."
I think you're misunderstanding my position. I have no idea who's right about the TBTF subsidy. It's clear that the banks get SOME kind of funding advantage due to the implicit government insurance against failure. The Bloomberg article was obviously misleading and Matt could very well be right that the advantage is small. Just pointing out that his analysis on this particular argument isn't an effective counter to Bloomberg's claims, regardless of his 8-Mile-"I-AM-white!" pre-empting-the-counterargument strategy that he hides in the footnotes. The onus is on him to make reasonable arguments against Bloomberg if he wants to wave his dick in the air at them and call bullshit…the onus isn't on me to break out Stata and Excel and write a thesis
I think this is his counterargument.
http://depositorsunion.org/?p=47 -
Well then why don't you just ask for your money back?
Nice job Matt. I've read my share of unintelligent stories from Bloomberg, but this time, they really manifested their own ignorance by arguing with someone who actually knows how the capital market works.
I'm guessing it was Cohan, is that right? -
Great article, Matt. This 'funding advantage' is complete voodoo math.
العاب تلبيس بنات http://www.girls-gamess.com/
I'd like to see your analysis with a wider variety of non-TBTF banks, rather than with the top 5 on the fitch webpage which you admitted isn't necessarily a representative sample in the footnotes. I guess by outright stating this in the footnotes, you're trying to preempt the criticism…but the fact still stands that it's not necessarily representative and so you really aren't proving anything.
Indeed, some very good points. -
I like your post. It is good to see you verbalize from the heart and clarity on this important subject can be easily observed.


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Experiments and simulations show that adding or removing water makes the material push and pull.
January 22, 2015Study evaluates the impacts of a large-scale bioenergy ramp-up.
January 15, 2015Sangeeta Bhatia's research defies tradition, drawing on biological and medical sciences, and multiple engineering disciplines.
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October 2, 2014Researchers will advance our understanding of the human mind and discover new ways to treat, prevent, and cure neurological disorders.
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September 24, 2014Sangeeta Bhatia combines clinical and engineering perspectives to tackle complex health challenges.
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May 1, 2014

subset: commoncrawl


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SAN LUIS - Military bulldozers, road graders and other heavy equipment rumbled along the Mexican border early Monday as more than 50 National Guardsmen from Utah became the first unit to get to work under President Bush's crackdown on illegal immigration.
The soldiers with the 116th Construction Support Equipment Company rolled out of bed at 3:45 a.m., and will hit their work sites by 5:30 a.m. during their two weeks of duty. They will improve a dirt road running parallel along the border, fill in gaps in fortified fencing and run wiring for new lighting to help the Border Patrol spot illegal immigrants trying to come across.
"It's exciting to do something that's relevant to the safety of the United States," said Capt. Talon Greeff, the unit's commander. "There is a sense of excitement when you are doing something real-world."
The goal is to strengthen the border and free up border agents to catch illegal immigrants.
The guardsmen are unarmed and wearing hardhats instead of Kevlar helmets - "we do not want to appear as if we're militarizing the border," Greeff said. They will not perform any law enforcement duties.
And not having to worry about their weapons while working is nice, he said, though acknowledging that "it makes me nervous to know there might be people that are not happy about our presence on the other side of the border and I just worry about my soldiers."
The troops arrived in Yuma on Saturday and were briefed Sunday on their mission and given tips on how to survive the triple-digit heat of the Arizona desert.
Under Bush's plan, up to 6,000 National Guardsmen will be sent to the four southern border states. Officials say 300 Guardsmen from Arizona are expected to begin arriving at the state's border in mid-June.
The Utah unit is working along the border at San Luis, 25 miles south of Yuma. Two sets of barriers run along the border west of the San Luis port of entry: a 12-foot corrugated-metal fence and, about 50 yards to the north, an 8-foot chain-link fence topped with barbed wire. Surveillance cameras are mounted on towers, and stadium lights help agents spot people trying to slip across at night.
Most of the 11 soldiers assigned to operate the heavy equipment have full-time jobs in the construction business in Utah. They would normally be pulling two weeks of training duty at this time of year anyway, and had already been set to work on the border for their training.
Now they will widen and upgrade the sandy track used by the Border Patrol - compact it, raise it and top it with several inches of gravel so agents can get to hot spots faster.
"They asked our unit to come out and help with the program with Arizona, help the security force. It's an honor for me to come out here," said Sgt. 1st Class James Colledge, a 52-year-old truck driver from West Valley, Utah. "They all feel pretty privileged to be out here, as the first group."
Asked how he was handling the triple-digit heat, Sgt. Jody Cloward of Cantaquin, Utah, said he was surprised to learn that his annual two-week training session had been rolled into the president's border-security plans.
As for the weather, Cloward said, with a chuckle, "It's actually quite nice. A little warm, but ..." The temperature in Yuma topped out at 110 degrees Sunday and was expected to be nearly as hot Monday.
In San Luis, some residents were pleased with the guard's presence.
Raymond Ruiz, a clerk at Charles and Frank Auto Parts, said the response was long overdue.
"I think we need it, because besides illegal people coming across, I know there's drugs and you never know, maybe some terrorists one of these days," Ruiz said. "I just hope that they do it right. I know it'll help. It'll probably take a lot more than this, but it's a good beginning."
Others were leery, worried that legal border crossers would stop shopping.
At Alex Furniture employee Israel Escobar said the Guard's presence "scares the people. No one wants to buy in the U.S."
But his co-worker, Israel Torres, disagreed.
"It's OK. It's right, because it means more security in the houses," Torres said. "I live next to the border, and I'm afraid."


text:
Follow-Up Postings:
no takers? not even a guess? |
I thought I'd bump this back up in case someone decides to look again. |
- Posted by flowergirl70ks 5/6KS (My Page) on Thu, May 31, 07 at 11:01
OK, I'll take a guess. Could be Fugi Masumi, Shima Daijin, or Gunpoden. 25 years isn't old for a tree peony. There are some here in Dodge City that are over twice that old. If your father is determined to cut it down, tell him a speciman tree peony is worth a lot of money. All they need is to have the old wood removed. |
I don't know what type it is but it sure is beautiful! What color! |
I couldnt find anything on the internet for Fugi Masumi to compare. Shima Daijin looks very similar, but is described as a dark red. This one definanly has a pink/purple hue, or just plain magenta as I call it. Granted it's no where near as purple as my camera shows it. I found Gunpoden, but I don't think it quite looks like that. But on that page was all peony trees the right color, and the closest shape of the bloom is shunkoden. I'll probally never find out exactly what it is. Oh, and btw, my dad is cutting it down to get rid of it, he just doesnt know how to prune. We cringe everytime he goes out w/ the pruner. He'll cut EVERYTHING down. This spring, he took it to their gorgeous weeping cherry tree, he was convinced it's too big for a weeping cherry tree (he can be and idiot at times, oh, and alcohol is involved here) and butchered that beautiful tree! It barely bloomed and looks all scrawny and deformed now. I hope it recovers. (That was about 10-15yrs old) |
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Dina Lohan Gets Kudos for, Well, Nothing
She took the eager, freckle-faced, talented child actress we used to lovingly envy as Lindsay Lohan and turned her into a synonym for wayward youth, gingerly steering her down a path of alcohol, drugs, car crashes, failed rehab and BFFs gone bad.
Now, Dina Lohan is being feted as one of Long Island's Top 20 Moms for raising a superstar child. Kinda makes you want to move to the 118-mile strip, doesn't it?
Mingling Moms, a network of maternal units that sees itself as the place to "share tips and concerns and tell anecdotes of your parenting experiences," will present Dina's statue at a May 13 luncheon.
Other honorees include the moms of Billy Joel, Howard Stern, Mariah Carey, Kevin Connolly and Natalie Portman, and newly spawned Jennifer Lopez herself nabbed the coveted Celebrity Mom of the Year award.
But with Mama Lo poised to repeat her "success" by sending offspring Ali Lohan down the Long Island Expressway to celebrity Hades with a new E! reality show, Dina is uniquely entitled to spout life lessons to the Mingling Moms.
Oh, the yarns she will spin.
Just Jared
Lindsay Lohan's Assistants in Life
Socialite Life
Dina Lohan Awarded for Ruining Lindsay's Childhood


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"The American Heinrich Schütz Society is dedicated to the study and performance of the music of Schütz and his German contemporaries. For many years, the AHSS was an independent entity; however, in 1991, its members voted to expand the boundaries of its focus, and to invite other scholars of seventeenth-century music to form a Society for Seventeenth-Century Music, which held its first conference at Washington University in St. Louis in April 1993. At the point of the formation of the SSCM, the AHSS became a constituent society of the larger body, with representation on the board of directors. .."
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"The Over the Water Hurdy-Gurdy Association (OTW for short) is a group of hurdy-gurdy players, builders, and aficionados based mostly in Western Washington (USA). We put on French music jams and dances in the Seattle area (with live hurdy-gurdy music, of course) and an annual hurdy-gurdy festival and Saturday dance on the Olympic Peninsula. .."
Visit website for more information. (ed.)
Added on: Jul 29, 2009 | Hits: 576
"The objective of Nocturna is to disseminate and to taste "The Idea of the Middle Ages" with its values and its problems, through the reconstruction of atmospheres and glimpses of our past.
The Company consists of a dozen components with clothes of the XII - XIII century. In recent years the Group has participated with increasing success to many expressions of historical reconstruction, both in Italy and abroad : ceremonies and festivals are the main contexts in which the group operates, collaborating with public bodies, associations and individuals. ... " (Google translation) Visit website for more information. (ed.)
Added on: May 25, 2008 | Hits: 582
"Early Music Foundation (EMF) was founded by Frederick Renz and other members of the New York Pro Musica Antiqua in 1974. Upon its inception, EMF was invited to become Artist-in-Residence at the Cathedral of Saint John the Divine in New York City.
The purpose of the Early Music Foundation is to foster public understanding and appreciation of western culture through the highest quality, historically informed performances of music and music drama from the 11th to the 18th centuries.
Early Music Foundation consists of a primary performing enterprise, EARLY MUSIC NEW YORK - FREDERICK RENZ, DIRECTOR, and a recording label, Ex cathedra Records. The EMF also serves as a not-for-profit umbrella for its associate projects: New York Early Music Celebration, Parthenia- A Consort of Viols, and an online early music events calendar, Polyphony.com. " Visit website for more information. (ed.)
Added on: Aug 06, 2008 | Hits: 584
"The Nuove Settimane Barocche was founded in 2003 by Emanuele Beschi and Francesco Lattuada. The main purpose is the dissemination of music, arts and culture through events of various kinds: concerts, conferences, lectures concert, workshops musical high refinement, recordings and publications specialized companies. " Visit website for more information. (ed.)
Added on: May 10, 2008 | Hits: 590
"The Berkshire Bach Society is the only member-based musical organization in Berkshire County. It uniquely focuses on one composer, and creates programs with the long-range goal of exposing its membership (actual and potential) to a broad perspective on the works of J. S. Bach. This perspective is constantly expanded and reinterpreted, but always comes back to a reconsideration of what is possibly the most remarkable body of music ever generated by a single individual."
Visit website for more information. (ed.)
Added on: May 27, 2011 | Hits: 592
"The Associazione Culturale "Sentieri Armonici" was founded in Monopoli in 2005 and began its activities with the aim of spreading the music in the territory in which it operates pointing to the rediscovery of the ancient roots of Western musical culture. ... " (Google translation) Visit website for more information. (ed.)
Added on: May 25, 2008 | Hits: 594
" The American Bach Society was founded in 1972 to support the study, performance, and appreciation of the music of Johann Sebastian Bach in the United States and Canada.
The ABS produces Bach Notes and other publications, sponsors a biennial meeting and conference, and offers grants and prizes for research on Bach." See the website for more information. (ed.)
Added on: Feb 10, 2008 | Hits: 595
" The Lute Society of America, founded in 1966, is devoted to the lute and its music. Membership is open to anyone, anywhere: scholars and listeners as well as amateur or professional players. We share information through our publications, an e-mail forum (operated by Wayne Cripps), here on our www pages, and at one or two annual Summer Seminars. Smaller regional meetings are occasionally sponsored as well. " Visit website for more information. (ed.)
Added on: Apr 18, 2008 | Hits: 595
"The Society exists principally to get Scottish-based lute and early guitar players together to play to and with each other. All standards from complete beginner to professional will be encouraged to take part. This is a 'safe place' to try out that new piece you have been working on, ask questions, share info, etc.
Future meetings will include presentations, workshops and concerts. But the main aim is to get players together.
We meet at St Cecilia's Hall, Edinburgh, itself a wonderful museum dedicated to lutes, guitars and keyboards."
Visit website for more information. (ed.)
Added on: Oct 03, 2011 | Hits: 595
"The cultural association of Imperfetti Academy was established in 1996 in Pescara by a group of musicians for people interested in world culture and art, especially from a world of early music: then promotion of artistic activities (concerts, ballet performances), but also educational activities (courses in music, dance, etc..), with particular attention to education and research ... " (Google translation) Visit website for more information. (ed.)
Added on: May 25, 2008 | Hits: 598
"The Historic Brass Society is an international music organization concerned with the entire range of early brass music, from Ancient Antiquity and the Biblical period through the present. The history, music, literature and performance practice of early brass instruments such as natural trumpet, natural horn, early trombone, cornetto, serpent, keyed bugle, keyed trumpet, early valve horn, 19th century brass instruments are some of the main issues of concern to the HBS.
The HBS publishes the scholarly, refereed journal, The Historic Brass Society Journal and an annual newsletter and publishes, in collaboration with Pendragon Press, BUCINA: The Historic Brass Society Series.
The HBS also sponsors the annual Early Brass Festival, an activity that features early brass playing sessions, concerts and lectures. The HBS also sponsors other early brass symposia and special study sessions in collaboration with other music organizations such as the American Musicological Society, the International Musicological Society and the Galpin Society.
The HBS has also established The Christopher Monk Award, an annual award presented to an individual for outstanding contributions to the scholarship of early brass music. " See website for more information. (ed.)
Added on: Mar 02, 2008 | Hits: 599
"It is due to the vision of its founder, the Prince of Wales, later King Edward VII, that the Royal College of Music owns a celebrated instrument collection as well as manuscripts, rare printed music and portraits of musicians. As he stated in his inaugural speech on 28 February 1882: 'A school giving the best instruction … is but a branch of what I desire to found. I wish to establish an institution having a wider basis and a more extended influence than any existing school or college of music in this country ... It will be to England what the Berlin Conservatoire is to Germany, what the Paris Conservatoire is to France, or the Vienna Conservatoire to Austria–the recognised centre and head of the musical world.' " ...
Added on: Feb 16, 2006 | Hits: 600
"Created in fall 1998 to manage the Bach Festival in Combrailles and complete the construction of a pipe organ, the association is governed under the law of 1901 and is headquartered in Pontaumur (Puy de Dome) in the heart of Combrailles. .."
Visit website for more information. (ed.)
Added on: Jun 12, 2010 | Hits: 602
"The Netherlands Bach Society owes its existence and fame to the performances of Bach's St. Matthew Passion which it has given since 1922, in the Grote Kerk, Naarden. These performances are greatly beloved by the Dutch public, and they attract a yearly audience of more than 12,000.
The present-day Netherlands Bach Society consists of a group of professional singers and instrumentalists who are specialized in the performance practice of 17th and 18th century repertoire. The artistic director, and chief conductor of The Netherlands Bach Society, is Jos van Veldhoven. .."
Visit website for more information. (ed.)
Added on: May 17, 2009 | Hits: 604
"The 'Associazione Compagnia del Recitar Cantando', formed in 2002, is made up of young people who come from artistic and historical experiences regarding the vocal and instrumental music from the fifteenth to the eighteenth century, chamber music, theatre and prose of the study historical sources . The association proposes programs that span from the Renaissance to late Baroque, with the aim to promote these and including the music of the twentieth century and contemporary and to disclose this music to the general public and young musicians. The association also provides courses in musical training, critical editions, discography, symposiums, concerts, theatrical productions and performances, which place them at the interaction between different art forms. ..." (Google translation, ed.) Visit website for more informaiton. (ed.)
Added on: Jul 06, 2008 | Hits: 615
"The mandate of Ottawa Chamber Music Society (OCMS) is to make classical music accessible to everyone. Through artistic expression and audience engagement, Ottawa Chamber Music Society creates experiences that challenge and stimulate listeners while offering time for reflection and regeneration.
We bring together top Canadian and international artists, in all stages of their careers, to present concerts that draw local, national and international audiences.
Our activities help to make Ottawa a great cultural destination and contribute significantly to the economy of the National Capital Region. These activities include the annual Ottawa International Chamber Music Festival (Ottawa Chamberfest), a year-round concert series, arts education and outreach programs, and other innovative community programming partnerships."
Visit website for more information. (ed.)
Added on: Nov 23, 2011 | Hits: 615
"The Association Early Music Italy, with headquarters in Lissone, in Brianza, in Rome (City Hall XII) and active throughout the country, was born in 2002 with broad purpose of spreading the music and "classic" instruments through the seasons concert, internships, publications and other companies. ... " (Google translation, ed.) Visit website for more information. (ed.)
Added on: Jun 29, 2008 | Hits: 619
To cultivate, foster, sponsor, and develop appreciation of the art, history, literature and uses of historical harps.
To promote appreciation of and to raise the level of proficiency in the performance and use of historical harps.
To keep historical harp makers and performers, along with other friends of the historical harp, informed about literature and activities pertaining to historical harps, and to provide occasions for them to meet.
To promote the use of historical harps as professional instruments, and to encourage their use among amateurs.
To encourage the reconstruction of historical harps.
To collect and disseminate information regarding the construction of and performance upon historical harps. " Visit website for more information. (ed.)
Added on: Mar 03, 2008 | Hits: 621
" In the spring of 1982 a group of friends, including University of Arizona faculty members James Anthony and John Boe as well as other members of Tucson's musical community, hit upon the idea of forming a group that would be, as our mission statement still reads, "Dedicated to the enrichment of contemporary life with the music of the past." Specifically, they wanted to organize concerts featuring music from the Medieval, Renaissance and Baroque Periods performed by early music specialists on period instruments. They settled on a name for the organization: The Arizona Early Music Society. " ...
Added on: Aug 18, 2007 | Hits: 624
"The New England Early Music Calendar offers the most complete listing of concert, workshop, lecture and exhibit events in the six-state New England region (Maine, New Hampshire, Vermont, Massachusetts, Connecticut & Rhode Island). " ...
Added on: Aug 16, 2007 | Hits: 625
"The American Beethoven Society is an international organization of individuals devoted to the study and appreciation of Beethoven's life, music, and influence on culture and society to the present day. …"
Visit website for more information. (ed.)
Added on: Jul 18, 2011 | Hits: 625
"The Phoenix Early Music Society (PEMS) is an organization that brings together everyone with an interest in music of the Medieval, Renaissance and Baroque eras. Whether you are a performer, teacher, critic, or just enjoy listening, the Phoenix Early Music Society will keep you in touch with the best in local events to stimulate, educate and make early music come "alive". ... "
Added on: Aug 06, 2007 | Hits: 628
"The MUSIC ASSOCIATION CONCENTUS LUCENSIS was founded in 1985 by a group of musicians with the aim of promoting and disseminating knowledge of ancient music and dance history. ...
The association holds regular concert events, summer courses, internships, courses annual cycles of conferences and cultural meetings. The courses, workshops organized by the activities are aimed at children with extensive young girls, adults in a musical education aimed specifically at promoting dissemination of music, dance and ancient. " (Google translation) Visit website for more information. (ed.)
Added on: May 24, 2008 | Hits: 628
" The Renaissance & Baroque Society (R&B), Pittsburgh's Early Music Presenter, presents performances of the music of the Middle Ages, Renaissance, Baroque and Early Classical periods and fosters a broader understanding and appreciation of the music, arts and culture of the times. " ...
Added on: Nov 17, 2005 | Hits: 632


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(page 2 of 3)
Did people come over and look at the furniture in the house?
(Laughs.) Yeah, they did. Exactly.
So, this interview is about food?
Well, I'll tell you what I know. My introduction to deli — and, by the way, I have probably not had a corned beef sandwich in probably 10 years. First of all, your mother doesn't eat any meat, and second of all, that's not something I do anymore. But in Chelsea, I was going to Hebrew school — it was a one-room Hebrew school with a teacher who, if you made the wrong move, she took a ruler and slammed you with it. We would all gather at about four o'clock to attend Hebrew school in this one classroom. Of course, we were all hungry at that point, because we had just gotten out of grade school, right? So we would go to the local neighborhood deli, and at that deli they sold the ends of salamis. It was called "A nickel a schticle" — you bought the ends of the salamis for a nickel. And that was called the schticle.
How do you spell "schticle"?
I'm only guessing at s-c-h-t-i-c-l-e. (Laughs.) It's kind of like testicle.
Got it.
So a nickel a schticle, that became our afternoon snack. And the other thing was, while we were in there [the deli], they had the greatest French fries in the world. Everybody would buy French fries and bring them back to Hebrew school. Now in Hebrew school, the desks were the ones where the tops lifted up? So, they'd stick their French fries in there, with the idea that they were going to hide it from the teacher. Of course, when you walked into the room, the aroma was overwhelming. And then we all kind of snuck the French fries into our mouths.
So then you moved to Highland Park , Ill,, when you were 14.
Why did you move there?
Because my father, your grandfather, worked for the people who owned Macy's and Gimbel's. He worked for them in Boston, and they said, "Would you like to move to Chicago?" So we moved to Chicago. We got on the wagon train and went.
And was there a Jewish community waiting for you in Highland Park?
Yes, Temple Beth-El. A fabulous temple.
The Jewish Daily Forward welcomes reader comments in order to promote thoughtful discussion on issues of importance to the Jewish community. In the interest of maintaining a civil forum, The Jewish Daily Forwardrequires that all commenters be appropriately respectful toward our writers, other commenters and the subjects of the articles. Vigorous debate and reasoned critique are welcome; name-calling and personal invective are not. While we generally do not seek to edit or actively moderate comments, our spam filter prevents most links and certain key words from being posted and The Jewish Daily Forward reserves the right to remove comments for any reason.


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House GOP Vote for Earmark Moratorium
This would have been nice 4 years ago but I applaud House Republicans taking the side of the American people and making a clean break from the past.
House Republicans approved a conference-wide moratorium on earmarks on Thursday, one day after a House committee enacted a ban on for-profit earmarks.
The Republicans' moratorium is more extensive than the House Appropriations Committee's ban in that it applies to all earmarks for all members of the caucus.
Today's earmark moratorium shows the American people that House Republicans are prepared to end business as usual and change the way Washington spends the people's money.


text:
Administrative Association
Classified Association
Faculty Senate
Curriculum Committee Instruction Committee Internal Relations Committee Online Learning Committee Global and Intercultural Learning Committee Student Success Committee Classroom Teaching & Learning with Technology Committee (CTLTC) Workforce Solutions Committee Document Templates
Contact us
Compiled Mid-Year Reports include each committee's charges for the year.
Elections must follow the Governance Timeline.
The Faculty Senate, the Classified Association, the Administrative Association, and the Learning Resources Centers will handle their own elections and appointments.
The standing counselor on the President's Advisory and Planning Council will coordinate elections for counselors throughout the Governance System.
When the phrase "elected college-wide" appears on a membership list, the appropriate group will conduct the election — not the entire college community. For example, when a membership list calls for "one counselor elected college-wide" the counselors of the college will elect a counselor as their representative to the committee in question.
Presidential appointments will be for one year only, but the president can re-appoint a person to the same committee as long as it will only be that person's second consecutive year on that same committee.
Election of Officers:
Questions or ideas?
Contact Christine Damrose-Mahlmann, Chair, at email@example.com


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Chula Vista - Officers from the Chula Vista Police Department conducted a DUI/Driver's License checkpoint on Friday August 7, 2009 in the 3800 block of Bonita Rd in Chula Vista from 6 pm to 2 a.m.
This DUI/Driver's License checkpoint was aimed at increasing public awareness, decreasing the number of drivers who drive while under the influence of alcohol and/or drugs as well as insuring drivers have a valid driver's license.
During the operation, 4 drivers were arrested for driving under the influence, 1 driver was arrested for possession of illegal drugs, 3 drivers were arrested for street racing/reckless driving, 24 vehicles were impounded for suspended or unlicensed drivers and a total of 38 citations were issued.
This was considered a successful DUI/Driver's License Checkpoint. The Chula Vista Police Department with funding from a grant from the California Office of Traffic Safety (OTS) through the National Highway Traffic Safety Administration is continuing its efforts to keep our community safe by detecting and deterring impaired drivers.
Police Public Information Office
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Page 1 of 4
SURAT: Gujarat Pradesh Congress Committee (GPCC) was in for a major embarrassment after a senior party leader was booked in CNG gas scam of Rs 15 lakh. State unit party secretary Mahendra Oswal was booked in Surat on Friday for his alleged involvement in the racket.
Gujarat State Road Transport Corporation (GSRTC) buses were ordered to fill up gas from a CNG pump on Lambe Hanuman Road owned by Oswal. Quantity of gas in the receipts was allegedly shown more than what was actually filled in the buses. The GSRTC had suspended 21 of its personnel in this connection, but later withdrew their suspension orders. However, the GSRTC later made a complaint against the CNG gas station based upon which the police registered a case of cheating against Oswal.
Police on Saturday searched for Oswal at his house, but he was not there and his mobile phone was switched off. "The accused is trying to avoid his arrest. There could be more persons involved in the scam," police inspector, Varachha police station, R S Patel said.
Questioned about Oswal's involvement in the scam, city unit Congress president Shambhu Prajapati said, "It is Oswal's personal issue and it has no connection with Congress party. Since the complaint has been registered, police should investigate the case and arrest the accused."
GPCC president Arjun Modhvadia and opposition leader in the assembly Shaktisinh Gohil refused to comment on the issue. Despite several attempts, Oswal could not be contacted.
Article continuesStay updated on the go with Times of India News App. Click here to download it for your device.
Interest Network
itimes | Email


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Staff Writer
On Feb. 12, just hours before President Barack Obama gave his fifth State of the Union address, the College at Florham hosted the first Hot Topics panel of the semester.
The event, "The Media and Race: Are We Postracial Yet?" was held in Lenfell Hall and sponsored by the Becton College of Arts and Sciences, the Student Government Association and the Black History Month Committee.
The four-person panel was comprised of two professors and two students from the College at Florham.
The professors were Katie Singer, senior lecturer in the Department of Literature, Language, Writing and Philosophy, and Henry Margenau, adjunct professor in the College Writing program. The students were senior SaKarra Fite and junior Devon Douglas-Bowers. The event was moderated by Sarah Latson, senior lecturer in the Department of Communication Studies.


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No Text
more product information
Recommend: Yes
Great quality paper that has just enough design to it not to overpower message on it. I'm pleased.
A very grade of paper and will be looking forward to using the next holiday season
The design is as exquisite as expected. Being a musician, I love the pale musical background, and the gold tones give it an elegant feel. Those who wrote with concern about the verse seem to have not read the entire passage. I suggest you look it up. It speaks of not setting our hearts on earthly treasures, but on God who provides everything.
Very good quality and beautiful!
This is very high quality paper and was perfect for printing our Christmas letter. I even printed photos on the back and it worked well for that, too - no bleed-through. Loved the design of the paper. Highly recommend!


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Staples: Breach May Have Affected 1.16 Million Customers' Cards
Re:Honestly (97 comments)
I use cash for the most part. It has lots of pleasant side-effects, like giving you a solid object that lets you feel how much you're spending, and impressing women (either the under 25 crowd, who like the look of the green stuff, or the 25-30 (now that I'm getting older) ones who look at you like you're obviously responsible husband-material because you use cash over plastic).
You are missing out on free cash using plastic. You need to eat, you need to pay bills, you need gas(assuming you own a vehicle). You are going to pay for those things anyway. There is no reason to not pay for it on the card , reap the cash back benefits and cash in when you need to. (i usually end up with about $400 or so for the year.)


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I've been inspired by my daughter, Madison. She left for work yesterday wearing the sparkliest White House Black Market sequin skirt. But here's what got my attention; she paired it with a denim shirt! I LOVED it.
Below, I've put together three loos for day built around one H&M sequin skirt.
Leave a comment and tell my what you have or would pair with sequins for day!


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Back in October KT brought you the story of the left wing dating site
Well now there is also a Right wing dating site
KT is not sure if welcome tho
"Do you believe that marriage is the union of one man and one woman?"
I wont lose any sleep over it....
Via BeckyLindeman
Friday, 11 January 2013
2 comments:
wow, this is almost funny! I know politics is a massive part of life and maybe having roughly the same political views will lead to a certain amount of harmony in a relationship but really, choosing you partner based on this is a little bit tragic. There is more to romance than being similar and in fact being a little different and being able to discuss and argue points about how we see the world is part of the fun. It is the fact that you care enough to listen that means you are in love!
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text:
See who's on Silver Singles:
I am a travel junkie. International, domestic or down the road to a spring festival. Music is important... what did we do before Pandor...
jeepl8r is a 59yr-old single woman in Tulsa, Oklahoma
I am healthy, active, love nature and the outdoors. I have the extra spice for life, for a best friend/ mate. He has all he needs in hi...
bluestar878 is a 67yr-old single woman in Oklahoma City, Oklahoma
Still work full time at the local bank. I enjoy watching sports, fishing,swimming, movies, traveling and much more.
MarilynKayM is a 64yr-old single woman in Bixby, Oklahoma
Enjoys accomplishing things, even unimportant tasks. Likes big dogs, and some cats, some kids. Likes the color blue, favorite season is...
tomcat47 is a 66yr-old single man in Oklahoma City, Oklahoma
Life is too short so we had better wake up feeling that every day is a great day. Don't be shy it is a waste of time.
What do I enjoy ...
Rick5387 is a 57yr-old single man in Stillwater, Oklahoma
Quite, not a bar hopper. Enjoy reading and good movies. Bucket list: learn to dance.
Want to connect with someone local for that occas...
paperpushes is a 63yr-old single woman in Poteau, Oklahoma
honest, clean, enjoy being around smart people. like to dance, like good movies.
like to do a little traveling except changing planes. ...
PapaT is a 77yr-old single man in Oklahoma City, Oklahoma
I enjoy the arts and often buy season tickets to Broadway, Lyric Theater and/or Canterbury Choral shows. I enjoy all types of music and...
SWF50s is a 57yr-old single woman in Oklahoma City, Oklahoma


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Local activist targeted
POSTED: Monday, March 21, 2011 - 5:02pm
UPDATED: Friday, April 1, 2011 - 5:39am
BATON ROUGE, La (NBC33) — Early Sunday morning, someone took aim at Arthur Reed's home, and fired more than twenty. Reed is better known as Silky Slim. He has been in a gang and in prison, but turned his life around ten years ago, after being the lone survivor of a car crash. Now he is on a mission to save others in Baton Rouge from a life of crime. And even though the guns have been turned on him, Reed says, he's not afraid.
Reed said, "It takes an animal to do the types of things that we are doing to each other right now. If you try to shoot in someone's bedroom, not knowing if a kid or someone is in there. You don't know if other people were there. That's an animal and they have a place for animals and it's cancelled Angola and I guarantee you, if I find out who did it, I'll make sure that you're put behind bars. Trust me."
Reed thinks the shooting was meant to silence him. But he says it just fuels his mission to 'Stop the Killing'.
The Baton Rouge Police Department is investigating the shooting at Reed's home. As of 6pm Monday, there were no suspects.
Comments News Comments
I support you on your mission in deterring the youth from gangs and violence. It is time that we make a stand and unite in order to regain our children or we will be a people of distinction through genocide. God is using you in a mighty way. Continue to stay on the journey that God has ordained you to do. He is your protector and shield and no weapon formed against you shall prosper.


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Roadtrip NYC to Mt. Laurel NJ, where to chow down?
- n
- ny.frenchfry Sep 29, 2009 07:05 AM
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I'm taking a business roadtrip today from NYC to Mt Laurel NJ and need suggestions... I'm not familiar with NJ in the least bit so anything along Route 295 would be good. Looking for an inexpensive and delicious bite. Ethnic is great, maybe Vietnamese?


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The Oriole Advocates
Dedicated to Promoting and Stimulating Interest in Baseball ******** Celebrating 50+ Years of Community Service ********
50th Anniversary
Recent/Upcoming Events
Cardboard to Leather
Orioles Hall of Fame
Charitable Foundation
Ripken HOF Postal Cachets
Postal Cachets
Baseball-Related Links
Members Area
Contact Us
Membership Info
2010 Orioles Hall of Fame Luncheon
The luncheon was a huge success! Congratulations to
2010 Orioles Hall of Famers Ray Miller and the late Johnny Oates
, and
Herb Armstrong Award Recipient Lenny Johnston!
The Oriole Advocates, Inc., P.O. Box 2295, Baltimore, MD 21203-2295 oadvocates @ orioleadvocates.org


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Manitoba 55 – New Brunswick 66
New Brunswick defeated Manitoba 66-55 to place 7th overall in the 15U Nationals Championship.
Bridget Frazee led New Brunswick with 17 points and 3 rebounds in the game.
Keylyn Filewich had a game-high of 24 points and 8 rebounds for Manitoba.
Nova Scotia 59 – Saskatchewan 50
Nova Scotia defeated Saskatchewan 59-50 to win bronze in the tournament.
Jasmine Cain scored 13 points while adding 4 steal to lead Nova Scotia. Ty'keia Beals and Daejiah Johnson both added 11 points for Nova Scotia.
Dayba Pearce and Lauryn Prokop and Ella Johnson all scored 10 points for Saskatchewan.
British Columbia 50 – Prince Edward Island 42
British Columbia defeated Prince Edward Island 50-42 to place 5th in the tournament.
Calli McMillan scored a team-high 10 points while adding 6 rebounds. An overall team effort was contributed to the win.
Prince Edward Island was led by Jenna Mae Ellsworth with a game-high 16 points.
Ontario 68 - Quebec 39
Ontario defeated Quebec 68-39 winning the 2013 15U Women's National Championship.
Mikaela Brewer led the team in points with 17. Hailey Brown added 15 points and 7 rebounds for Ontario.
Myriam Leclerc scored a team-high 11 points and grabbed 7 rebounds for Quebec.
British Columbia 72 – Saskatchewan 68
British Columbia claimed 7th place in the tournament with a win over Saskatchewan, 72-68.
Justin McChesney and Chase Claypool both scored 13 points in the match both grabbing 9 rebounds each for British Columbia.
Ja'shon Henry collected 18 points and 6 rebounds for Saskatchewan.
Nova Scotia 91 – New Brunswick 78
Nova Scotia went on to beat New Brunswick 91-78 winning 5th place in the tournament.
Dakelle Brooks had 20 points and 4 rebounds leading the way for Nova Scotia. Myron Willis added 19 points in the contest.
New Brunswick was led by Leo Titarenko with 26 points and 9 rebounds.
Manitoba 90 – Alberta 77
Manitoba played a tough game defeating Alberta 90-77 to win bronze.
Eric Braganza had quite the amazing performance for his team with a double-double scoring a game-high 32 points and grabbing 10 rebounds. Daniel Sackey added a double-double for Manitoba with 15 points and 10 rebounds in the match.
Benoit Kapinga led the way for Alberta with 19 points, 7 rebounds and 5 assists.
Quebec 55 – Ontario 68
Ontario beat Quebec 68-55 to win the 2013 15U National Championship for the 6th consecutive time.
Muhammed Kabeya led the way for Ontario with 18 points, 5 rebounds and 6 assists with a great performance. Devonte Case added a double-double with 16 points and 10 rebounds.
Kordell Greenaway led the way for Quebec with a game-high 19 points.


text:
$2 off of any item purchased.
Coupon Code is the word: juice
Independently owned and operated, Mad Scientist Vapor offers premium ejuice in a variety of flavors that are sure to make you go mad! Hand crafted and made in small batches in the United States each bottle is tested, triple steeped using our unique process and tested again to ensure you are getting the absolute best product possible.
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If you're not MAD you're CRAZY!
You must be 18+ years of age to enter this site. This product may contain nicotine, a highly addictive chemical additive. This product is not meant for consumption by minors.


text:
Efficiency said to cut power use, costsBy STEPHEN SINGER
The Associated Press | December 13,2012HARTFORD, Conn. Improved energy efficiency will help keep electricity use flat in New England in the next decade, allowing customers to save on utility bills and power companies to scrap costly transmission upgrades, the grid operator said Wednesday.
The regions six states spent $1.2 billion from 2008 to 2011 to boost energy efficiency, ISO-New England told reporters in a briefing. Spending on energy efficiency is expected to increase to $5.7 billion from 2015 to 2021.
The Holyoke, Mass.-based grid operator said energy efficiency has more than doubled since 2008 in an annual auction to win commitments from generators and others for power available three years from now. The result is that electricity use previously projected to rise by 0.9 percent annually between 2012 and 2021 will instead be flat.
The increased efficiency also will help utilities save money by skipping transmission upgrades. ISO-New England said the region can defer 10 transmission upgrades that earlier studies showed were needed to ensure reliability. Deferring the upgrades will save an estimated $260 million, it said.
In 2010, New Englands six states sponsored more than 125 energy efficiency programs offering financial incentives to promote efficient electrical devices, ISO-New England said.
Stephen J. Rourke, vice president for system planning at ISO, said replacing incandescent lighting with compact fluorescent bulbs is the easiest and least expensive way to cut energy use. Savings are multiplied as apartments, office buildings, factories, schools, hospitals and other large energy users install efficient heating and air conditioning, he said.
Seth Kaplan, vice president for policy and climate advocacy at the Conservation Law Foundation, a regional environmental group, said the report shows that efforts to conserve energy work. He said the group welcomes the ISO-New England report.
This is a very big deal, he said. The system needs to know what the demand is.
Nationally, demand for electricity is leveling off as residential power use falls, experts say, reversing a long upward trend. More efficient lighting and electric devices are partly credited for the change. New homes also are being built to use less electricity, and government subsidies for home energy savings programs help older homes use less power. Rourke said the weak economy also has contributed to reduced electricity use.
New England used about 130,000 gigawatt-hours of electricity last year. One gigawatt-hour can serve about 1 million homes for one hour.MORE IN Vermont NewsMONTPELIER The first Legislature in the country to pass an aid-in-dying law may revisit the... Full StoryMONTPELIER Gov. Full StoryGroveman to head Full Story -
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- RICHARD'S POOR ALMANACK: On this day in 1393, quick thinking teen girl saves King Charles IV of France from burning alive at masquerade ball; in 1760, Vermont town of Pownal created by N.H. Gov. Benning Wentworth; Canuplin, Filipino movie star, born.
- RICHARD'S POOR ALMANACK: On this day, 1700, Cascadia Earthquake, Magnitude 9 plus, strikes West Coast with tsunami effects felt as far away as Japan; in 1885, troops loyal to Sudanese Mohammad Ahmad conquer Khartoum; in 1992, Boris Yeltsin untargets U.S.
- RICHARD'S POOR ALMANACK: On this day in 971 AD, Southern Han war elephant corps defeated by Song Dynasty troops bowmen; in 1870, Montana, Marias massacre, U.S. kills 173 Native Americans; in 1941, Charles Lindbergh recommends neutrality pact with Nazis.
- TOMORROW'S HEADLINES TODAY: Bryanna Allen reports Castleton Downtown hosts open house, fire in Springfield leaves family without a roof of their own, suspected Bosnian war criminal trial goes to jury, Brent Curtis reports Rutland Town budget set to rise.
- TOMORROW'S HEADLINES TODAY: Bill in Legislature proposes naming beagle Vermont state dog; Associated Press looks back at year in opiate abuse; Shapiro's in Brandon soon to close after 75 years; probe shows illegal online gun sales booming.
- RICHARD'S POOR ALMANACK: On this day in 1861, JEFFERSON DAVIS resigns from the U.S. Senate to become president of the Confederate States of America, in 1908, NYC passes law forbidding women from smoking in public; in 1968, B-52 crashes, loses H-bomb.


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P.O.Box 6931
Branson MO 65615
913-558-9612 bransonareacabin.com E-mail
Rustic Elegance is a charming privately owned model home, nestled in the peaceful woods of Branson Canyon, only ¼ mile to Table Rock Lake. Completely furnished with all new appliances, furniture, everything you need to have a great time. Included are free use of Clubhouse, with exercise room, pool & poker tables, and entertainment area with gorgeous views of the lake, heated zero entry pool, and playground areas. Relax with your sweetie, or another couple.


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We want everyone to be able to enjoy warehouse direct pricing on Mazda 929 Turn Signal Switch auto parts. AutohausAZ is the best site to buy Mazda 929 Turn Signal Switch parts. Auto parts, auto parts and more auto parts is what you will find searching our site. We ship parts all around the world. Our order system uses the absolute latest in ssl encryption technology. If you think our Mazda 929 Turn Signal Switch parts pricing is spectacular, order those Mazda 929 Turn Signal Switch auto parts from us. Saving big money on Mazda 929 Turn Signal Switch parts can almost become a game on our website. Autohaus prides itself on being able to give customers the best quality at the best price.
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08 July 2008
Cutting and cutting...
Do you cut all the pieces for a project before you start sewing? Is cutting a favourite part of your quilt making process? Perhaps I need to find a complementary quilting partner!
4 comments:
- Helen Conway said...
It varies but generally I cut only about as many as I can get through in a session becuase (a) too much cutting at once makes my arthritic hands ache - 37 and I am OLD! (b)peversely I like cutting - it i svery soothng so I ration out my pleasure and (c) somehow, however I store them, those peices get turned down ears and wrinkly bits so then I have to press them all which is a great waste of time.
- 5:42 pm
- Lisa Walton said...
I usually cut out some and then do the rest as the quilt grows. My quilts are rarely planned out exactly before I start.
- 6:59 pm
Cutting is the boring part, I like the ironing when you've gotten the block all together just perfectly and you can press it all open and see it looking perfect. Sorry Erica, I think you'll be looking for someone else to do your dirty work! Love the yellow and pink quilt though.
- 9:33 am
- Judy said...
I hate cutting I am disable with Arthitis and have sit to cut- most difficult.
Mind you I also have a low boredom threshold and cutting a whole quilt at once. - 4:13 pm


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American Standard Version (ASV) | New International Version (NIV) |
6 When I remember thee upon my bed, [And] meditate on thee in the night-watches. | 6 On my bed I remember you; I think of you through the watches of the night. |
The American Standard Version is in the public domain. (The American Standard Version Bible 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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The science of happiness
Location: Science Oxford Live, Oxford, OX4 1BD
Date and time: 3 November 2011 19.30-21.30
Join Prof Andrew MacLeod as he asks:
- What is happiness?
- Can we really study happiness scientifically?
- And can we use that to make ourselves happier?
He will explore the issues behind these crucial questions, and suggest some simple things that people can do that may make them happier.
Further information
Google map link to: OX4 1BD
Organised by: Science Oxford


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I suspect that I am exactly the kind of player that EA was hoping would pick up the title, a longtime player of The Sims interested in giving this newest version of SimCity a shot. My experiences so far have left me with mixed feelings about the game.
Both the manual and the tutorials will leave any newcomer to the franchise with a serious problem: neither one gives much information on how to play the game. The tutorial and manual show you what you can do in the game, but they give no clue as to what the game looks to the player as a civic engineer or provide any insight into the simulation and its decision-making processes. With a game of the size, scope and complexity of SimCity this presents a serious problem. It actually does seem that the tutorials are more centered on new features for SimCity veterans but even then they only scratch the surface.
Features that would have made the game more accessible to new players, such as difficulty levels, are curiously absent from SimCity 4. When a new city is established, there is little room for experimentation you will immediately start at a deficit and dig into your starting Simoelons (the games currency) month by month. The only real time available for experimentation is while this money holds out, and all but the most experienced players will end up having to take at least one of the deals the game offers your city for additional income to avoid going broke (the only way the game can theoretically end is if the city goes over 100,000 Simoleons in debt and the mayor is impeached), such as a rent-paying federal penitentiary or missile silo. I found this lack of wiggle room discouraging.


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For applications that prohibit installing sensors with integral electronics, which are usually a high temperature environment or mounting space restrictions, we offer the compact SCU3100 signal-conditioning unit that is designed to operate remotely from the LVDT or RVDT sensor. The SCU operates from either a 5Vdc regulated or 8V to 30Vdc unregulated supply and the output options are 0.5V to 4.5V and 4-20mA. The unit is used extensively in motor sport data acquisition and control systems as the operating circuit for inductive position sensors. The SCU is housed in a machined aluminium ultra-compact casing and is fitted with fire & chemical resistant DR25/type 55 cabling. It has fully encapsulated electronics for maximum reliability when mounted close to the hostile environment and the unit is sealed to IP66 as standard. For ease of installation the SCU3100 output configuration is factory programmed at the time of ordering. This SCU is also available with dual or quad outputs in a compact housing for system integration.
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text: I'm having so much trouble with flavoring brown rice.:?: I can't seem to get any flavor to it. My last batch I added a teaspoon each of garlic, oregano leaves, and cumin powder. And while it smelled really good, there was still no taste to it. I put the spices in after the water and rice, but before boiling or cooking it. And I am using Uncle Bens brown rice. Should I add more spices, like two teaspoons each? Also, does anyone know what kinds of spices they use in those spanish rice recipes? The boxes never say. Thanks!


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Bizarre Business Practices: Companies That Hate Selling
I'm a big advocate of always having your sales hat on (i.e., always being ready to close a sale anytime, anyplace, anywhere). It constantly amazes me how many business people disagree with this approach and how they actively turn business away. I recently ran into a small business owner who didn't like selling. In fact, she seemed to actively go out of her way to avoid sales.
The Pareto Principle and Your Marketing Strategy – Viva La Chaos
The Pareto principle (often known as the 80/20 rule) is well known in marketing and sales circles. Pareto tells us that 80% of your profits/leads/sales will come from 20% of your efforts. The secret to success is understanding which 20% of your efforts are generating these results and maximizing them.


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Livingstone's green housing policies 'unworkable'
The British Property Federation and the Home Builders Federation have led a fresh attack on London Mayor Ken Livingstone's green targets, claiming they are 'doomed to failure'.
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Bean at Night
This photo was shot on film. Taken by vstimac with a Canon Elph Lt loaded with APS 200 24mm film in Chicago, IL, United States. Date: 2008-08. Time: Afternoon. This photo can also be found in the album Advantix .Please login to get more out of this site
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2 Sermons: Psalm 50
Out of Zion, the Perfection of Beauty, God Shines Forth
Psalm 50:1-6
by John Piper
If you trust Christ, you are already a permanent citizen of the heavenly Jerusalem.
Call upon Me in the Day of Trouble and I Will Deliver You
Psalm 50:1-15
by John Piper
Be thankful, pay your vows, call for help. And when God delivers you from the day of trouble, glorify him with all your heart.


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February 13, 2013
Michigan State fans greet players, including Matt Costello (10), following a 75-52 win over Michigan in an NCAA college basketball game, Tuesday, Feb. 12, 2013, in East Lansing, Mich. (AP Photo/Al Goldis)
Stories this photo appears in:
No. 8 Michigan State routs No. 4 Michigan 75-52
Wednesday, February 13th, 2013 5:23 a.m.
EAST LANSING, Mich. (AP) — Michigan State has muddled through much of its season, finding ways to win games short on style with gritty substance.
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You are here: Home » Canadiens vs Panthers – March 27/12
Montreal Canadiens center Louis Leblanc (L) celebrates his goal with teammate defenseman Frederic St-Denis (R) during second period NHL action in Montreal on Tuesday March 27, 2012. (Pierre Obendrauf / THE GAZETTE)
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text: I've been feeling a little badly about something. I re-read my post about last weekend's Grilled Lamb Feast and had the thought: I don't know if I would like me if I didn't know me. Who calls their own number on a dinner party? If Phoebe read it, she might have called me "braggy." The truth is, I was thrilled about that meal because for a few weeks there, I was feeling like Chuck Knoblauch in the late 90s when he forgot how to throw from second base to first. Like totally forgot to the point where the ball would sail 10 feet over the first baseman's head and into the crowd. He was the second baseman for the New York Yankees. The New York Yankees! This was his job. Sort of like how I write about dinner, so I'm expected to know how to execute a your basic everyday skillet meal. But I started to feel like I was suffering from a bad case of the yips. I could not turn out a decent coconut curry chicken even though I've been making a version of one for over a decade. One night, I thought I was a genius for conflating Phoebe's request for meatballs and Abby's request for chicken teriyaki into "chicken teriyaki meatballs" — until I actually tried one and realized they tasted like balls of styrofoam with a hint of sawdust. I couldn't even get mad at Abby when I told her there'd be no dessert if she didn't eat more, and she responded, "Fine. I'll have one more bite of this disgusting meatball." I think my lowest point, though, was last Wednesday when I broke out a nice bottle of Gruner from the fridge and sunk the corkscrew right into the….screwtop cork-less cap. My first thought: Is today the day my family and my DALS readers find out that I am a complete fraud? My second: Thank God, dinner report cards already went out. (more…)


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Yet lost in the hoopla of the Office for iPad launch was a revamp to OneNote, Microsoft's digital notebook, which has been on the iPad since 2011. Those planning on diving in to Office for iPad would do well to consider OneNote.
The update includes bug fixes and a redesign for iOS 7. Microsoft also released a standalone version of OneNote for the Mac, which means one can connect to their digital files across all major platforms: Windows, Mac, iOS and Android. With tight Office integration, Microsoft has pushed OneNote to be a powerful alternative to the popular Evernote.
In fact, before there was Evernote, there was OneNote. It was built for the Windows XP tablet era, when Bill Gates envisioned the future of computing would involve a convertible PC and stylus.
Fast forward to today, where the iPad is ubiquitous. The digital notebook concept still works well, as notes, images, data and other essential files can be hard to manage when spread across a consortium of apps.
OneNote solves much of this problem. By connecting a Microsoft account (either consumer, Office 365, or SharePoint) everything you add is on all devices.
OneNote uses a strict organizational hierarchy of notebooks, sections and pages. It creates a good structure for your notes, as other applications can turn everything into a hodgepodge. You can create one notebook for a specific project, then break it down into further detail depending upon what you need to save.
(For iPad news, trends, apps and reviews, sign up for the free TabTimes for iPad newsletter)
You can also connect a consumer and Office 365 Microsoft account simultaneously, so you can get work files on your personal iPad or connect to that travel section from your office computer.
The interface stays consistent across Office, with OneNote using the same minimalist ribbon found in the new suite of apps. Tap the arrow in the corner to go full screen, which is especially nice if you are reading web pages that you have clipped. There is an exhaustive list of tags or other organizational tools, such as tagging pages or adding task-specific labels.
(See also: Office for iPad review: Microsoft delivers three outstanding apps)
A web bookmarklet is available that allows you to save a page directly to OneNote, which can be very useful when conducting research and needing to collect a large number of resources.
While OneNote currently doesn't integrate as tightly with the rest of Office for iPad as it could (there is no way to open a file in another Office app) the work Microsoft has done indicates a serious commitment to the platform.
With that in mind OneNote remains a strong choice for organizing your stuff digitally.
(Tablets 2.0 – How tablets have become more than consumption and now also productivity devices, is the theme of the upoming Tablet Strategy conference in New York on May 6, 2014 for executives and managers involved in tablet deployment projects. You may be eligible for a free pass if you manage a table project for your organization.)


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Google Adwords is a necessity for an effective Marketing plan. Both business consumers and individuals at minimum start their research on the Internet. Our job is getting your advertisement on Page 1 of Google and Bing when your prospects search specific terms or phrases.
A large majority of people use Google but others use Bing, Yahoo, AskJeeves, MSN, Facebook, or one of the ever growing list of Search engines. Google handles a majority of these searches so being on the top or towards the top of these queries is vital for success.
All Marketing professionals will agree that an Online Marketing strategy and implementation is a must. It can compliment your current Marketing campaigns on Radio, TV, Newspaper, Magazine, BillBoards, Fax Broadcasting, TeleMarketing, Direct Mail, and Professional Sales Force.
Adwords Management Services creates, develops, manages, and strategically implements Google Adwords, Yahoo, Bing, and Facebook Online Marketing campaigns.
Our staff has been using Online Marketing techniques for over 10 Years back to the days of Banner Ads, GoTo, Meta Tag abuse, Overture and has grown as the Online Marketing industry has grown. We have been trained on all of the the Google products including Adwords, Google Places, Analytics, Google Maps, and Google Display Network. We also utilize Yahoo, Bing, and Facebook products to insure all demographics are covered.
Unlike most other Marketing techniques, we can provide you with a specific ROI (return on investment) for every dollar you spend online with us. We customize our Reports to your requirements but most Clients benefit from knowing how many people went to their websites, viewed which pages, how long they stayed, if they bought online, and requested information, and which terms were searched most.
We also help with basic SEO techniques such as Meta Tags, Descriptions, Keywords, Google Analytics, and insure you are found on Google Maps by registering you on Google Places. We have found many Companies with Meta Tags that simply ruin their Online presence.
We have learned how to best utilize the various Search Engines to maximize your Marketing dollar. Call 855-443-4663 to discuss your Online Marketing Strategy.


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No matter what your gaming priorities are, you always find plenty of playing options when it comes to online casinos. Perhaps, there're, actually, thousands of playing destinations around the globe that keep increasing. Furthermore, the size of online gambling is so wide that numerous online casinos are being launched every now and then. One of the main concerns in every player's mind; is whether to choose an established online casino or go with a newly launched online casino – without having any industry experience. Actually, this is a subjective question with lots of dimensions, and there's not a definite answer about when to choose which one. There're various factors that affect your playing decisions in a broad way. Generally; new casinos often come up with many lucrative promotions that are hard to find anywhere else, like a healthy sign up bonus, free spins, freerolls, and many more! Indeed, the purpose of these generous offerings is just to allure plenty of new sign ups, which actually do happen with their highly liberal welcome treats. Even though, every player should take his gaming priorities over what he's going to get with a sign up.
Read Under the Headlines
Many promotional campaigns don't provide the complete details about their services, like terms and minimum eligible criteria to avail their rewarding offers. Secondly, new casinos, usually, don't have significant industry experience to cope with the dynamic changes happening every now and then, yet; most of the new online casinos are somewhere associated with an old and reputed online casino group, which causes player's confidence to increase considerably. So, if rather a new online casino is having a competent technical tie up with any reputed online group, it has to be given a shot. It's not necessary that every new casino would not be able to survive for long: we've seen in the past; many casinos brought their innovative gaming approaches to improve the online gaming experience. [Read more…]


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First Fridays at the Museum Café Music & Lunch on the Plaza
Friday, 09/06/2013 – 12:00 pm – 02:00 pm
Nova Southeastern University's Museum of Art | Fort Lauderdale
1 E Las Olas Blvd ,
Fort Lauderdale, Florida 33301
Webpage Link
Come listen to live music while enjoying lunch from the Museum Café. Each month will feature a different musician and specials from the café. You are also welcome to take time to browse the store for the latest must have items and find out about the upcoming author appearances.
Be sure to tell them Soul Of Miami sent you!Click here to sign up for the Soul Of Miami email list.


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See the St. Vrain River Emergency Response & Repairs slideshow for more details.
Parks and Open Space and our partners have been working diligently over the past six months to assess and mitigate the potential for future flooding along St. Vrain Creek between U.S. 36 and Airport Road due to the impacts of the September flood. As part of this assessment and mitigation, we have had to determine necessary short-term emergency fixes that will help reduce further risks during upcoming spring run-off and summer storms, while also considering potential long-term plans for the creek corridor on county property.
We have worked with the Federal Emergency Management Agency (FEMA) and other federal, state, and local agencies to determine the appropriate measures and funding sources for this type of work.
Based on these assessments and consultations, three problematic breaches along St. Vrain Creek that required emergency repairs were identified and repaired. In addition, because of the amount of sediment and other debris that was deposited within the creek channel during the flood event, measures were taken to remove this material from the channel to restore the creek's pre-flood conveyance to the extent possible. A large amount of woody debris was also salvaged from the debris piles for potential use in long-term stream restoration projects.
The emergency work began in late December 2013 and will be completed by March 31, 2014. All emergency repairs are covered under FEMA and will help the creek stay within its pre-flood channel during a typical spring run-off event, thus helping to protect the public and public infrastructure along the creek corridor.
The maps show the approximate locations of the work to be completed.
The emergency work is expected to be completed before March 31, 2014


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Unless you've been living on Pluto for the past six months, you'll be well aware of a certain Royal Wedding last week. Since the couple announced their engagement, a whole host of lookalikes have come forward. Some good, some bad and some happy to reveal what the future Queen of England could potentially look like in her undercrackers.
Naturally, we opted for the services of the latter and the delectable Katie Green, who took to the throne like anyone in her position should – naked. She's even got a vested interest in how the country should be run after dating former Lib Dem plonker Lembit Opik.
'Kate Middleton seems like a lovely girl but then who needs her when you've got me?' she says. Beats us. Harry, take note. Although we're guessing you already have.
Kate Middleton Lookalike Katie Middleton Gets Topless!
Hello, your majesty. Tell us, what would the country be like if you were the Queen?
Everyone would be having a lot more fun, that's for sure. Street parties would occur more than just once every time there's a Royal Wedding and I'd demand that petrol prices come down. It cost me loads getting to this shoot!
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