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McGuire Style Wicker End Table with Wave Base
This image © VintageModern 2012
Wicker end table with a wave form base in natural color wicker. The end table has a wood backed top for stability with a braided wicker edge detail around the top and bottom wave edge. The table can be used with a glass top that is larger than the actual top to expand the surface space if desired. This unique wicker table is in excellent condition with no damage and is structurally solid. The table is made of real, natural wicker, not resin or plastic wicker and should be used indoors or on a covered patio or porch and protected from the elements. 23 1/2"H X 18"Diameter at the top, 26 1/2"W at the base.
Vintage Origin Details
McGuire attributed
Year (estimate)Excellent
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United States
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The Fairfield Woods Branch Library hosts three regular book that meet on a monthly basis. Join us for one or all of them!
Woods Book Group
The Woods Book Group meets the last Wednesday of most months at 2 pm in the Small Meeting Room. As a group, we have mainly read historical fiction along with some contemporary literary fiction titles. Past favorites have included The Tenderness of Wolves by Stef Penney and The Year of Wonders by Geraldine Brooks.
September 24: Crossing to Safety by Wallace Stegner
October 29: The Boys in the Boat by Daniel James Brown
November 19: Mrs. Hemingway by Naomi Wood
We are an informal group and welcome new people at any time. Feel free to come to all meetings or just one and enjoy a lively discussion with a welcoming group of people.
Books & Banter
The Books & Banter Book Group meets varied Thursdays, depending on the month. We meet in the Small Meeting Room at 1:30. We are a drop in group, with great research, discussion and banter about varied titles. We have discussed everything from memoirs and nonfiction to prose and fiction.
September 18: The Storied Life of A.J. Fikry by Gabrielle Zevin
October 23: The Pink Suit by Nicole Mary Kelby
November 20: The Phantom of Fifth Avenue by Meryl Gordon
December 18: The Unlikely Pilgrimage of Harold Fry by Rachel Joyce
We welcome our regulars and first timers with open arms even if you have not finished our current title. Join Us!
Purls of Wisdom Bookclub
Enjoy great books and knit, too! Bring a bag lunch, if you like, and any handiwork you may be working on. Meeting on the third Thursday of each month in the Small Meeting Room, this is a drop in group. All levels of knitters and crocheters are welcome.
September 18: The Unlikely Pilgrimage of Harold Fry by Rachel Joyce
October 16: The Happiness Project by Gretchen Craft Rubin
November 20: The Banks of Certain Rivers by Jon Harrison
December 18: The Wind is not a River by Brian Payton

subset: commoncrawl


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Oct. 11 (Bloomberg) -- Indian stocks dropped for the first time in three days on concern Europe's debt crisis may worsen, and as investors turned cautious before the start of the local earnings season and factory output data tomorrow.
Infosys Ltd., the second-largest software exporter, paced losses among peers after the European Central Bank President Jean-Claude Trichet said the region's debt crisis has reached a "systemic dimension." India's biggest software makers earn about three-quarters of their revenue from overseas. Infosys will announce results tomorrow, the first company in the S&P CNX Nifty Index to post earnings for the September quarter. Copper maker Sterlite Industries (India) Ltd. slid 1.5 percent.
The BSE India Sensitive Index fell 20.76, or 0.1 percent, to 16,536.47 at the 3:30 p.m. close in Mumbai. S&P CNX Nifty Index on the National Stock Exchange of India Ltd. dropped 0.1 percent to 4,974.35. Its October futures settled at 4,980.10. The BSE-200 Index gained 0.1 percent to 2,033.26.
"Investors don't want to keep their positions open ahead of the earnings season and the factory output data tomorrow," Alex Mathews, head of research at Geojit BNP Paribas Financial Services Ltd., said by phone from Kochi. "The European debt crisis concern is also playing on their minds."
Infosys, the second-biggest stock on the Sensex, lost 3.3 percent to 2,504.55 rupees, ending a three-day, 6.2 percent advance. The company may report profit of 18.8 billion rupees ($384 million), up from 17.4 billion a year earlier, according to the median estimate of 28 analysts compiled by Bloomberg.
Options traders are the most bearish on Infosys in seven months on speculation the company may cut its earnings forecast amid the global market turmoil. The ratio of outstanding puts to sell the shares versus calls to buy reached 0.86 yesterday, the highest since March, data compiled by Bloomberg show.
Europe and North America contributed almost 87 percent to Infosys's sales in the year ended March 31.
'Bearish Outlook'
"When the U.S. and Europe are not doing that great, some cut in earnings forecast is likely," Jagannadham Thunuguntla, chief strategist at SMC Wealth Management Services Ltd., told Bloomberg Television. "They will probably give an indication of a bearish outlook with clients cutting their information technology spending."
Larger rival Tata Consultancy Services Ltd. decreased 2.2 percent to 1,040.85 rupees. Wipro Ltd., the third-biggest, slid 2.1 percent to 341.7 rupees.
Investors are also focusing on August industrial output numbers due tomorrow and inflation for September scheduled for Oct. 14, data that may help the central bank decide whether to raise interest rates further at its policy review on Oct. 25.
Output at factories, utilities and mines will increase 4.7 percent from a year earlier, according to a Bloomberg survey of 17 economists. Production grew 3.3 percent in July, the slowest pace in almost two years.
Borrowing Costs
The central bank may boost rates even after the nation's lenders urged a pause at a meeting with bank Governor Duvvuri Subbarao last week, HDFC Bank Ltd. Managing Director Aditya Puri said in an interview on Oct. 7. The Reserve Bank of India, which has raised rates by 350 basis points since March 2010, may increase borrowing costs by another quarter percentage point this month, he said.
Inflation is above the level deemed acceptable, Subbarao said Sept. 26, signaling pressure remains for tightening in Asia's third-largest economy. Lenders' bad debts are likely to climb as growth slows, Puri said.
Sterlite fell 1.5 percent to 115.8 rupees. Bharat Heavy Electricals Ltd., the biggest power-equipment maker, declined 1.7 percent to 326.75 rupees. Lender ICICI Bank Ltd. retreated 1.2 percent to 832.5 rupees.
Telecom Spectrum
Bharti Airtel Ltd. gained 3.2 percent to 375 rupees after the government said it planned to make more spectrum available to operators and allow sharing and trading of airwaves. Idea Cellular Ltd. rallied 3.5 percent to 95.35 rupees. Airwaves held by some government departments may be freed up, telecom minister Kapil Sibal said in New Delhi yesterday.
The Sensex has declined 19.4 percent this year on concern record rate increases may compound the effects of the European crisis and slowing U.S. growth on corporate profits. Earnings for 47 percent of Sensex companies missed analyst estimates in the June quarter, up from 33 percent in the previous quarter, data compiled by Bloomberg show. Companies in the Sensex trade at 14 times estimated profits, down from 21.5 times in March 2010. The MSCI Emerging Markets Index is valued at 9.5 times.
Overseas funds bought a net 4.91 billion rupees ($100 million) of Indian equities on Oct. 7, paring the outflow to 28.3 billion rupees, according to data on the website of the Securities & Exchange Board of India. They withdrew a net $2.4 billion in August, the most since October 2008.
--Editor: Ravil Shirodkar
To contact the reporter on this story: Rajhkumar K Shaaw in Mumbai at email@example.com
To contact the editor responsible for this story: Shiyin Chen at email@example.com


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Select () or exclude () categories to narrow your recipe search.
As you select categories, the number of matching recipes will update.
Find exactly what you're looking for with the web's most powerful recipe filtering tool.
I enjoy cooking and baking. I especially love perusing recipezaar for top rated recipes. I am a huge food pusher, just like my mother is and my grandmother was! I will try just about anything. I love to surprise my family and friends with yummy things from my kitchen.
pasta, cheese, chicken, chocolate, I could go on and on...........


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Defender Anthony Charles has signed a new one-year contract extension at Northampton Town.
Charles joined the Cobblers in March after recovering from injury and the 31-year-old centre-half made nine appearances in the club's successful fight against relegation from League Two.
"I'm really pleased to have Anthony on board with us," said manager Aidy Boothroyd.
"He's in very good shape, he's a good character and I've been very impressed with him.
"He had a lot of alternative offers from other clubs so we're delighted he's agreed to re-sign, and I know he's determined to have a good season."


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Devil's Due Becomes First Comic Publisher to Offer Tour Book in Comic Form
Devil's Due Publishing, which has long been known for their licensed books, including holding the rights for the Halloween and Chucky franchises, announced today that it has partnered with multi-platinum rock act Hinder to produce a limited-edition comic-themed tour book, and is [...]
read more
Devil's Due Publishing has announced a deal with CBS Consumer Products to publish a new comic book series tied to fan-favorite television series "Jericho." Read Post
Capcom has partnered with Devil's Due Publishing—apparently I'm out of the comic book publisher loop—to introduce a series of comic book titles based on properties like Bionic Commando and Lost Planet. The video game publisher alrea... Read Post
Eisner winner Chuck BB is working on a comic starring the rock band Hinder for Devil's Due Publishing. The band's ability to tell stories in their songs makes this a good marriage," Stephen Christy of Devil's Due Publishing told USA... Read Post


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Great Swamp Watershed Association's (GSWA) Breakfast Briefing speakers series returns for fall on September 9, 2014!
Our seasonal Breakfast Briefing series was developed to help busy professionals stay informed about community environmental issues without taking valuable time away from work or family life. Presentations are kept brief, focus on current environmental topics, and minimize overlap with most traditional business hours. These lecture-and-discussion events are usually held on the second Tuesday of the month from 8 to 9:30 a.m. Exceptions to this schedule are noted in the event descriptions below, so please read them carefully.
Seating is limited, so we ask that you pre-register for each event by clicking the Register for this Event link below its description, or from our Event Registration page, or call 973-538-3500 x22.
GSWA members participate free of charge. Nonmembers are asked to make a voluntary donation of $10/adult and $5/child (6 to 17 years old), or $35/family (includes 4). There is no suggested donation for children 5 years and under. Programs are suitable for all ages. For updates or cancellations, please call our Event Information Hotline at 973-538-3500 x22.
Debbie Mans, NY/NJ Baykeeper
GSWA Office, 568 Tempe Wick Rd., Morristown, NJ
Recreation Opportunities on the Lower Passaic
Water quality issues stemming from legacy contamination have long interfered with public access and recreation on the Lower Passaic. Debbie Mans, executive director of the NY/NJ Baykeeper, will join us to talk about zoning and regulations that deal with public access and the installation of new waterfront parks.
Debbie has been Baykeeper and Executive Director at NY/NJ Baykeeper since 2008. Before that, she served as the environmental and energy policy advisor for Governor Jon S. Corzine. She was also appointed by Governor Corzine to the NJ State Planning Commission. Prior to joining the Corzine administration, Debbie held the position of policy director at NY/NJ Baykeeper. She is a graduate of the University of Michigan and holds a J.D. from Vermont Law School. She is the chair of the New Jersey League of Conservation Voters and on the board of the New Jersey League of Conservation Voters Education Fund.
GSWA Office, 568 Tempe Wick Rd., Morristown, NJ
The Environmental Legacy of Historical Land Uses
How can you remedy issues on your property caused by past land-use practices?
Thom Almendinger, director of stewardship at the Duke Farm Foundation will stop by to teach us about some of the innovative approaches to land stewardship being implemented at the 2,700-acre Duke Farms property in Hillsborough, NJ.
Like many property owners around the state, land managers at Duke Farms must address the effects that historical land use—particularly agriculture—have had on the current landscape, including heavy metal contamination, non-native invasive species growth, and soil compaction. Learn what Duke Farms is doing to address these issues and take home some ideas for your own property.
GSWA Office, 568 Tempe Wick Rd., Morristown, NJ
Are There Drugs In Our Water Supply?
John Dyksen, special consultant (previously vice president of Capital Planning & Research) at United Water—the water utility company serving much of northeast New Jersey, including parts of Morris County—will visit to discuss the issue of pharmaceuticals in our water supplies. This talk will help participants learn more about the classes and types of pharmaceutical chemicals showing up in our water; understand the potential dangers to human health and the health of wildlife; and learn how water companies, individual homeowners, and nonprofit organizations like GSWA can equip themselves to deal with the issue before it becomes a threat.
View presentations from some past Breakfast Briefings:
The Economic Implications of Climate Change, Professor Joseph J. Seneca, Edward J. Bloustein School of Planning and Public Policy, Rutgers University, Tuesday, December 13, 2012
Why Is New Jersey's Weather Changing? (presentation (pdf)) (video — as you watch, please turn up the volume. Audio quality is complicated by our presentation space.) Anthony Broccoli, director of the Rutgers Center for Environmental Predication, Tuesday, April 10, 2012
The State of the Passaic River, Kirk R. Barrett, Director, Passaic River Institute, Montclair State University, Tuesday, November 9, 2010
Every Drop Counts, David Robinson, NJ State Climatologist, Tuesday, March 10, 2009
Citizen Science — What's In It For You?, Danielle Donkersloot, NJDEP's Volunteer Monitoring Coordinator, Tuesday, September 15, 2009
Climate Change and You… Perfect Together?, Dr. Michael Kennish, Rutgers University, Tuesday, November 11, 2008


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By Jules Abraham in Eat Me on Mar 20, 2010
The Annual Drunky Brewster Show is here again! Starring our own Calisha Jenkins (Callie Watts) and Fabrezia Denkins. Catch them this Saturday @ Legion Bar!
Tagged in: General
The opinions expressed on the BUST blog are those of the authors themselves and do not necessarily reflect the position of BUST Magazine or its staff.


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You are here
A Murder, a Party, a Stare, or a Siege
Collective nouns are a mixture of poetry, alliteration, and description. Victorians often made up names for groups of birds, as a parlor game. Many names bring a vision of the birds instantly to mind. How about this stare of owls? They're Burrowing Owls! So what would a bunch of birders be called? A gaggle? A flock? A watch? Can you be more creative? Leave a comment below! Thanks. |
A Murder, a Party, a Stare, or a Siege?
Written by Ellen Blackstone
This is BirdNote!
[American Crow: one caw]
One crow is just a crow.
[American Crow: two caws]
Two make a pair. Three might be a crowd, but a group of crows is called "a murder." [American Crow: many caws]
A fitting name for this bunch of rascals! How did such a name come about?
According to James Lipton, author of An Exaltation of Larks, [song of Western Meadowlark] these names—called collective nouns—have been around for hundreds of years. Others believe that the Victorians invented many of these names as a fanciful parlor game. Collective nouns are a mixture of poetry, alliteration, and description. These labels are not used by ornithologists, but they add a bit of fun to the study of birds, don't you think?
[Song of Western Meadowlark]
If you've ever watched a parade of swans on a lake, you can see why it's called a "wedge" of swans. Bold, raucous jays make up a "party" of jays. Many names bring an image of the birds instantly to mind: a "stare" of owls, a "company" of parrots, a "spring" of teal.
[Flock of "ducks" rising from water]
Now, here's one that might be misnamed. Do you think all this noise should be called a "murmurration" of starlings?
[Chatter and squawk of European Starlings]
So what would a group of BirdNote listeners be? Hmmm? What's your suggestion? Let us know at birdnote.org. I'm Michael Stein.
Call of the birds provided by The Macaulay Library of Natural Sounds at the Cornell Lab of Ornithology, Ithaca, New York. Crows recorded by G.A. Keller and A.B. VandenBerg; Western Meadowlark by W.R. Fish; and flock of ducks 2479 rising from the water by A.A. Allen.
Sound of European Starlings provided by Martyn Stewart of naturesound.org. Ambient by C.Peterson
Producer: John Kessler
Executive Producer: Chris Peterson
© 2012 Tune In to Nature.org September 2012 Narrator: Michael Stein
ID#091505nouns language-01b
Coolective Noun for BirdersFri, 2012-09-14 14:19 — Boni BierySince birders do more than "watch" and hopefully are not to aggressive in any "pursuit" how about calling a gathering of birders a Quest? Collective noun for birdersMon, 2012-09-17 05:40 — JayBecause some may consider it an odd pastime, how about a "Folly" of birders! Bird Note collective 2Fri, 2012-09-21 09:07 — Chuck HobartThis is fun. How about a "Blossom of Birders". Collective noun for BirdNote listenersSat, 2012-09-22 05:38 — RockyHere are some more ideas: Collective noun for BirdNote listenersTue, 2012-09-25 08:42 — Sue BrooksI would like to propose a "bobble of BirdNote listeners." For myself, every time I hear the BirdNote theme, my head automatically starts bobbing. I imagine that is true for others. What to call a bunch of birders...Wed, 2012-12-05 04:55 — SallyListen to us birders wax poetic and sing the praises of birds. I'd have to call us a "chorus of birders." |


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Halloween logo design by Nate Pride. Continues the story of the Espers 2-3 years after the Interface series.
Short biographies of Hudnall and Horn.
Two pages by Hudnall describing his reason for self publishing.
A preview page of Espers #2
Ad for Jinx from Caliber Comics
Ad for an Interface collection from Caliber


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Wow wow wow
By Shopaholic
from edmonton
I ordered this rind expecting it to be nice and big,when I opened the box I got astonished ,it's gorgeous and very big ,if ur a big ring lover u will fall in love with this one,the only reason I took off a star is cuz the stone was loose and the gold not plated well,I sent it back for an exchange hoping the new one is better to I can keep it,I really loved it and don't want to live without it , honestly I've never seen a ring so beautiful.


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CBB: Portland St at #21 Gonzaga |
Written by TheSpread |
Thursday, 30 November 2006 05:32 |
College Hoops: Bettors Like #21 Gonzaga at Home over Portland St. Team Page: Portland St :: Gonzaga 67% of Bets Placed on Gonzaga -22 | Matchup | CBB Picks The 22nd-ranked Bulldogs look to extend the longest home winning streak in the nation to 44 games Thursday when they host the Vikings. Oddsmakers have made Gonzaga -22 point spread favorites (College Basketball Odds) for todays game, the over/under has been set at 157 total points (View College Basketball Sports Books). Gonzaga (6-1) beat Portland State 98-80 on Nov. 19, 2004, in the inaugural game at McCarthey and has gone on to win each of its next 30 games at the arena. The Bulldogs also won their final 12 home games next door in The Kennel since a loss to Portland on Feb. 19, 2003. Gonzaga has also won six games at the downtown Spokane Arena since the streak began. The Bulldogs extended their success at home with a 76-51 victory Sunday over Idaho. Derek Raivio, who leads the team with 18.7 points per game, had 24 to help Gonzaga bounce back from its first defeat of the season, a 79-71 loss Friday to No. 19 Butler in the championship game of the NIT Season Tip-Off. The loss came two days after the Bulldogs defeated then-No. 2 North Carolina, the highest-ranked team they have ever beat. Gonzaga's loss also ended a 21-game regular-season winning streak that dated to an 83-72 defeat at Memphis last Dec. 27. Still, Gonzaga managed to crack the top 25 after being unranked in the preseason for the first time since 2001. ``We had to come out and prove we were still a team and could play together,'' guard Jeremy Pargo said Sunday. ``It leaves a bitter taste in our mouth after losing to Butler in the championship game.'' Josh Heytvelt added 16 points and 11 rebounds for Gonzaga, which shot a season-low 44.8 percent from the field, but held Idaho to 38.5 percent. The Bulldogs are outscoring their opponents by an average of just under 19 points. Gonzaga has a tough road ahead, with a game at Texas in Phoenix on Saturday and matchups with intrastate rivals Washington State and No. 13 Washington next week. The Bulldogs also face No. 11 Duke on Dec. 21 in New York. ``We get a day off and can go relax and get ready for the Portland State game,'' Pargo said. Portland State (4-2) has won three straight, including Monday's 69-53 win over Portland. Juma Kamara, who ranks second on the team with 13.3 points per game, had a team-high 17, while leading scorer Scott Morrison, who averages 14.5 points, added 15. Gonzaga has won nine straight against Portland State since a 74-59 loss Dec. 28, 1976. by: Marc Young - theSpread.com - Email Us More NCAA College Basketball Coverage from theSpread.com - NCAA College Basketball teams |


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So proud to be showing off our great city in #Toronto this week. Not only are we proud of all the amazing things to do here, but we're extra proud of all the amazing people that live in #Calgary. Thank you @worth_y, @mistermalloy, @bradcelmainis, @neil_ze By Tourism C
This Calgary moment captured with Instagram. Share your favourite Calgary moments on Capture Calgary by downloading the free Instagram app, using it to take a picture and including "#capturecalgary" or "#sceneyyc" in your image's caption. It's that easy.
Check out the original here.
May 18, 2014


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POP Blanket
When I saw this pattern I had to start knitting it immediately, so that's what I did. I walked directly over to our Noro Kureyon and started picking skeins with super bright colors. Then for the background. Hmmm. I've always wanted to crochet a granny square blanket using pops of bright colors with a black border, I could achieve that same look with this pattern only knitting circles instead of squares so I decided to go with the dark brown Cascade Eco Wool. I picked out 3 skeins of Noro and 1 skein of Eco and then began knitting.
There was a bit of a learning curve with the pinhole cast on, but I can honestly say that I am so glad I have finally learned this technique. It can be applied to lots of projects where you begin in the center. The cast on gives you a fully closed center on the circles and the pattern construction is so extremely cool, each square is knit seamless. I still have lots of yarn left and could have continued making more squares, so if you want yours bigger you could easily accomplish that with this amount of yarn.
After I completed my squares I steam blocked each one, then I crocheted them all together, after that you just add a crocheted edge to finish it off. When I had completely finished weaving in all my ends I put it in the washing machine on gentle cycle with some wool wash and then pinned it out to dry. If you are interested in the pattern just click here. If you can't wait to start making this project don't forget we are hosting a F.E.A.T. on the POP Blanket tomorrow: Wednesday, September 17th from 1:00pm-2:00pm, join us!! -B


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Monday, February 28, 2011 - 8:53am
The Jelly Belly tour bus stopped by the Sweet Gourmet in Tyler on Friday to share insider secrets of their jelly beans.
They introduced their new line of weird and wild flavors like "skunk spray" and "pencil shaving" beans.
The iconic bean has been spreading sweetness since the presidency of Ronald Reagan.


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'Glee' Star Takes Mug Shot to Free Imprisoned Elephant
She's been in solitary confinement for 36 long years, even though she has committed no crime. But hundreds of thousands of people around the world, including celebrities Paul McCartney and The Smashing Pumpkins, are calling for the release of Mali at the Manila Zoo in the Philippines. Many of Mali's supporters are having mug shots taken to protest her confinement, and Glee star and Philippines native Charice Pempengco is the first U.S. celebrity to put herself in lockdown to get Mali out.
Charice has been entertaining audiences since age 7, when she begged her mother to let her enter singing competitions to help support her struggling family. She knows exactly how it feels to have nothing—as Mali does now. And she's ready to help the elephant trade her tiny, barren enclosure for the lush forest at the spacious sanctuary that has promised to give Mali a home with other elephants.
Help win freedom for Mali! Sign the petition at FreeMali.com.
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I hope that they free Mali very soon…36 years in confinement???? Absolutely astounding how someone has no conscience about doing that to such a magnificent creature!!


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1 to 2 (of 2 ) |
February 28, 2011
The pen so nice I bought...
Verified Purchase
The pen so nice I bought it twice (I have this one and the white and chrome F
I love the triangular grip on this pen. I have large-ish hands -- for perspective, I can stretch an octave and a key on a baby grand piano -- and I find the Lamy exceptionally comfortable. It's lightweight, and I honestly don't have too much of a problem with the cap when posted, though it is a bit of extra weight. The nib is stiff and isn't the smoothest nib I've ever written with (that distinction goes to my Namiki Vanishing Point), but it is exceptionally consistent and I almost never get any scratching or feathering. I write on cheap looseleaf paper most of the time, as I'm a student, and I honestly have no complaints. It's well worth the price as it's almost completely indestructible -- I use it for that reason alone much more than some of my other pens. 6 people found this helpful
November 24, 2010
This is easily the best...
This is easily the best mechanical pencil I have ever owned. I don't regret
paying $7.50 for it at ALL, and plan on buying a couple more when the stock
turns over. I have the pink and orange one, but I'd like to get the black and
pink one, as well.
The weight of the pencil and its shape are my favorite parts; I have large hands and it's exceedingly easy for me to use. I can write pages of notes without my hands getting tired. 1 person found this helpful
1 to 2 (of 2 ) |


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For him, the classic personalized watch goes from dressy to casual in timeless style. The name of your choice (up to 17 characters) is inscribed beneath a .006 carat genuine Diamond accent. Precision quartz movement in a Gold plated case, scratch-resistant mineral crystal and a sleek leather band complete the package.
Item ships in 3-5 days.


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Get the Best Priced Merkur XR4Ti Intake Manifold Gasket
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Merkur XR4Ti Replacement Intake Manifold Gasket Information
Search our online intake manifold gasket catalog and find the lowest priced discount auto parts on the web. We sell wholesale to the public. We offer high quality new, OEM, aftermarket and remanufactured Merkur XR4Ti Intake Manifold Gasket parts. We specialize in a wide-variety of high-quality car parts and accessories for your car, truck or SUV. Call toll free to order or place your order online via our secure checkout system. Our online parts catalog uses real-time inventory, so you can be assured the parts you buy are in stock at the time of ordering. Most orders are shipped the same day. They are available for the following Merkur XR4Ti years: 1989, 1988, 1987, 1986, 1985, 89, 88, 87, 86, 85. This part is also sometimes called Merkur XR4Ti Intake Manifold Gasket Set. We stock intake manifold gasket parts for most Merkur models including Scorpio.
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Late summer snapshots with the Diana F+
I took my Diana F+ out for some late summer wandering. I keep on loving this dreamy camera more and more :)
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management training Companies in Cape Verde
Environmental Risk Managers, Inc.
based in Wayland, MICHIGAN (USA)
eRMI is a specialty wholesaler for environmental liability insurance. We assist independent insurance agents to increase their sales and hit ratios through proven strategies that have generated tens of millions of dollars in environmental liability insurance premium sales. Insurance wholesalers typically focus on the number of submission's, eRMI is focused on writing ...
Greenhouse Gas Management Institute
based in Seattle, WASHINGTON (USA)
Our mission is to address climate change by training and developing a global community of experts with the highest standards of professional practice in measuring, accounting, auditing and managing greenhouse gas emissions; meeting the needs of governments, corporations and organizations large and small. We are working to professionalize carbon management, building the ...
Gestalt Advanced Management Institute(GAMI)
based in Matsapha, SWAZILAND
We are involved in corporate communications solutions,training,research and advisory services. Our company started in 2006. It was then known as Gestalt Consultants. In 2010 We, due to organizational transformations, changed the name to Gestalt Advanced Management Institute.
Hy-Classe Training
based in Douala, CAMEROON
Hy-Classe Training provides unrivaled Training Courses in Safety, Health, Environment and Quality for the Oil and Gas, Aviation and Telecommunication companies in Cameroon, Congo, Chad, Gabon and all over Central and West Africa. Our goal is to achieve exemplary performance in the provision of Safety, Health, Environment and Quality Training. We know this is essential ...
Trainers in T-shirts
based in Ayala Alabang, Muntinlupa City, PHILIPPINES
Trainers in T-shirts is the leading provider of NEBOSH IGC in Philippines. Your Health and Safety educational advisor, providing you with transparent educational guidance to help you build a successful career in Safety. You ask us, we answer you with all honesty; we don't sell you products, but rather help you find the best option. If it's not within our area of ...
based in Englewood, COLORADO (USA)
IHS is the leading source of information and insight in critical areas that shape today's business landscape – including environmental, health, safety and sustainability (EHS&S). Businesses and governments worldwide rely on IHS software, content and expertise to manage a broad spectrum of critical EHS business challenges, including operational risk, product stewardship, ...
DNV GL - Business Assurance North America
based in Katy, TEXAS (USA)
As a world-leading certification body, we work with companies to assure the performance of their organizations, products, people, facilities and supply chains through certification, verification, assessment and training. As part of the larger DNV GL Group, our 2,000 Business Assurance employees worldwide help our customers build sustainable business performance and create ...
Knowledge Management Innovations, Ltd. (KMI)
based in Oakville, ONTARIO (CANADA)
KMI is becoming the industry standard in flexible, scalable, and usable web-based software solutions that help companies operate more sustainably, safely, and efficiently. KMI enables companies to reduce injuries, increase the effectiveness of regulatory compliance initiatives, perform audits and inspections, manage Greenhouse Gas reporting, and initiate or improve ...
Frogs International - Environmental Management and Consultancy
based in The Hague, NETHERLANDS
Maarten Smies is a highly and widely experienced environmental (and HSE) management advisor with twenty years of direct experience in the exploration and production of oil and gas business and with nine years of earlier environmental experience. Until recently he was EP Global Environment Lead with Shell International Exploration & Production. He has carried out ...
German Academy for Renewable Energy and Environmental Technology
based in Berlin, GERMANY
German Academy mission is to train students and professionals in the field of renewable energies and eco-friendly technologies, thus helping them to become experts in the field. We offer seminars, training programs and conferences in the field of renewable energies, water management and environmental technology. Our courses, that attract students and professionals from ...


text: Disney Cosmo SP Luxe car seat is suitable from birth to 18kg (approx 4 years). Newborn body support cushion and head support cushion. Chest and buckle pads for comfort. Individual harness tensionners for extra safety. Easy to fit and excellent usability. Rearward facing from birth to 9kg/20lbs and forward facing. |


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The lead vehicle of the new 'E6' Type Akita Shinkansen 'Super... News Photo 159814837Akita Shinkansen,Bestof,E6,Finance,Horizontal,Human Interest,JR Omiya Station,Japan,Lead,Mode of Transport,New,Omiya,Platform,Press Preview,Saitama Prefecture,Science and Technology,Super Komachi,Topics,Topix,Type,toppicsPhotographer The Asahi ShimbunCollection: The Asahi Shimbun 2013 The Asahi ShimbunOMIYA, JAPAN - JANUARY 21: (CHINA OUT, SOUTH KOREA OUT) The lead vehicle of the new 'E6' Type Akita Shinkansen 'Super Komachi' is seen at the platform during a press preview at JR Omiya Station on January 21, 2013 in Saitama, Japan. The carriage will be launched on March 16, run at 320 kilometers per hour at the highest speed. (Photo by The Asahi Shimbun via Getty Images)


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now browsing by category
Virginia Lorene Miller
Virginia Lorene Miller passed peacefully from this world on Sept. 28 and is now among the angels with her parents and seven of her siblings. Virginia was born to Wilson and Birdie Grider on March 23, 1926, in Velma, the third of their nine children.
Virginia is survived by her brother, Bernice Grider; her daughters and their spouses, Donna and Alvin Brasier, Jeannie and Joe McDoulett, Mitzi and Charles McLain and Candace and Eric Myers; 10 grandchildren and numerous great- and great-great-grandchildren, as well as many other family members and dear friends.
There will be a celebration of her life at 2 p.m. Oct. 2 at McNeil's Funeral Service. Interment will follow at Resthaven Memory Gardens in Oklahoma City.
Mildred R. Jacob
Mildred R. Jacob, a resident of Stratford was born October 31, 1935 in Casa Grande, Arizona, to Ora A and Edna (Enyart) Dobbs. She passed away Tuesday September 23, 2014 at Stratford, Oklahoma at the age of 78 years 10 months and 22 days. Mildred grew up in the Rocky area, and had lived in Mustang before moving to the Stratford area. She was a member of the Church of the First Born. She was preceded in death by her parents, 4 sisters: Phyllis McCoy, Cindy Bashaw, Deola Reeves, Evelyn Collins, 2 brothers: Gene Dobbs, Billy Dobbs.
and a great grandson: Landon Jacob.
Survived by her 3 Daughters: Christi Hunter of Stratford, OK.
Lesa Akins of Tuttle, OK. and Randi Qualls of Stratford, OK;.
Sons: Tony Jacob of Okla. City,OK. and Mark Jacob of Stratford, OK.
Sisters: Margaret Anderson of Prairie View, OK. and Joyce Dean of Prairie View, OK. 15 Grandchildren, 11 Great grandchildren,
Pallbearers: Cody Jacob, Taylor Hunter, Jacob Hunter, Dade Eddy, Silas Akins,
Kyle Qualls, Tyler Miner.
Graveside Services will be held Friday September 26, 2014 at 11:00 AM at Oaklawn Cemetery officiated by Brother Dusty Langley and Brother Bob Hunter. Burial will be at Oaklawn Cemetery under the direction of DeArman Funeral Home
James T. Newman
James Thomas Newman, age 74, passed away Friday, Sept. 12, 2014, in an Oklahoma City hospital. Mr. Newman was born in Cisco, Texas, to William and Leona Newman. James entered the military after graduating high school. He served in the Air Force during Vietnam, attaining the rank of Tech Sergeant working in supply. He married Rosella Osborn on May 18, 1958. James and Rosella raised three children, Tony, Rodney and Vicki. James worked for Dayton Tire until his retirement. He enjoyed clocks and working on small engines.
He was preceded in death by his parents and wife, Rosella.
James is survived by his two sons, Tony and Michelle of Yukon and Rodney and Marivel of Mustang; and one daughter, Vicki Plank and husband, Randy of Shawnee.
Graveside services were held Tuesday, Sept. 16, 2014, in the Mustang Cemetery.
Online condolences may be made to www.mcneilsmustangfs.com.
William E. "Marty" Martin
William E. "Marty" Martin, age 69, died Thursday, Sept. 11, 2014, at VA Regional Hospital in Oklahoma City after a long illness. Mr. Martin was born Sept. 15, 1944, in Shafter, Calif., to Johnnie W. and Etta E. (Smith) Martin. He grew up in Fort Towson and Newcastle and was a graduate of Newcastle High School. He proudly served in the U.S. Army during the Vietnam Conflict. He was a longtime union driver, driving 20-plus years for Roadway Express.
Marty was preceded in death by his parents; three brothers, Olen, Lonnie and Clabourne; and one sister, Opal.
Survivors include his wife, Dianne of Mustang; one son, Todd Martin and wife, Shari of Mustang; two daughters, Rev. April Buckley and husband, Rev. Thomas of Yukon and Tiffany Martin of Yukon. Also by four grandchildren, Kristyn, Paiyten, Brett and Gage; one brother, Loyd Martin of Blanchard; three sisters, Dovie Sossamon of Oklahoma City, Lillie Rose of Newcastle and Brenda Rieves of Talihina.
Services were held Monday, Sept. 15, 2014, in the funeral home chapel at Resthaven Memorial Gardens Cemetery, Moore. Arrangements were under direction of McNeil's Mustang Funeral Service.
The family would like to express special thanks to the Palliative Care nurses and doctors at the VA Hospital who cared for our family.
Online condolences may be made at www.mcneilsmustangfs.com.
Donald Edward Hill
Donald Edward Hill, age 87, died Monday, Sept. 15, 2014, after a long period of failing health. Mr. Hill was born Jan. 15, 1927, in Perry, (Dallas County) Iowa to Clarence L. and Hazel (Auk) Hill and grew up in the area of Adel, Iowa. After high school he proudly served in the U.S. Army. He moved with his family to Moore in 1968. He worked many years as a letter carrier for the United States Postal Department before retiring several years ago. He was a member of the Pentecostal Church of God. Don was preceded in death by his parents; one daughter, Julila; and one son, Kenneth.
He is survived by his wife, Anita; two sons, Michael and wife, Donna of Iowa and Donnie of Del City; two daughters, Judy Shatto and husband, Jack of El Reno and Beverly Thompson of Oklahoma City; 15 grandchildren and 36 great-grandchildren.
Services will be held at 2 p.m. on Thursday, Sept. 18, 2014, in the Chapel of The Good Shepherd at McNeil's Mustang Funeral Service, with interment with military honors following at Resthaven Memory Gardens, Oklahoma City.
Online condolences may be made at www.mcneilsmustngfs.com.
Thomas J. Beason
Thomas J. Beason, 88, died Friday, Sept. 5. Mr. Beason was born June 19, 1926, in London, Ark., to Alonzo and Ora Beason. He was the last of 10 children to be born and the last of the 10 to die. He grew up in the Rockport, Ark., area and was a longtime resident of Mustang. He served in the horse cavalry of the U.S. Army during World War II. After the Army, he worked as a truck driver for TransCon.
In 1947 he married Peggy Taylor and spent the next 66 years as a devoted husband. He was a loving father to Brenda and father-in-law to Steve; grandfather to Kristen, Michael and wife, Kristi Ann; and great-grandfather to Madison, Thomas and Noah Merrill, and Khyla Hawkins.
Mr. Beason loved the Lord Jesus, his extended family and many friends (including "man's best friends," Audie, Angus and Argyle).
A memorial service will be held in the chapel of McNeil's Mustang Funeral Service at 2 p.m. Thursday, Sept. 11.
Online condolences may be made at www.mcneilsmustangfs.com.
Delilah Elizabeth Price
Delilah Elizabeth Price was born in Bethany on June 28, 1936, to Leonard and Laverne Story. Born and raised in Bethany, she attended Putnam City Schools and graduated with the class of 1954. She married Cletus Price on Dec. 23, 1953. Of this union was born four children, Vicki, Diane, Patti and David. Cletus and Delilah moved to Mustang in 1970 where she resided at the time of her death.
Delilah retired from Larry's Foods after 21 years of service, where everyone knew and loved her. After retiring, Delilah and Cletus traveled extensively, during which they visited all of the lower 48 states, an accomplishment of which they were very proud. Delilah enjoyed traveling to senior softball tournaments around the country with Cletus and spending time with her family.
Delilah was preceded in death by her daughter, Patti, and her parents. She is survived by her husband, Cletus of the home; daughter, Vicki and husband, Billy Woods of Tuttle; daughter, Diane and husband, Steve Hand of Mustang; and son, David and wife, Rhonda Price of Mustang. Also by six grandchildren, Christy and husband, Brandon Schwalbach of Tuttle, Shanna and husband, Shaun Summa of Mustang, Randy Woods of Tuttle, Jason and wife, Chelsea Price of Yukon, Jeremy and Amber Price of Oklahoma City and Jacey Price of Mustang. Also survived by great-grandchildren, Bailey and Addison Summa of Mustang, Aidan Schwalbach of Tuttle, and by Aubrey Price, due to arrive in December. Also by sisters, Betty and husband, Mike Bichel of Yukon and Linda and husband, Bob Woods of Oklahoma City; and brother, Jim Story of Little Axe.
Delilah was a member of Chisholm Heights Baptist Church of Mustang.
Services were held Thursday, Sept. 4, 2014, at Chisholm Heights Baptist Church with interment following in the Yukon Cemetery. Services were under the direction of McNeil's Funeral Service, Mustang.
Online condolences may be made to www.mcneilsmustangfs.com.
William Philip Palmer
On Wednesday, Sept. 3, 2014, William Philip Palmer passed away at OU Children's Hospital. Will was born in Reno, Nev., on May 17, 2002. While his life was much too short, he shared many wonderful experiences with his family. He lived in Utah for several years, and also in Texas and Oklahoma. He was able to share many different vacations with his family, including Disney Land, trips to Las Vegas, and Comicon in Dallas for his birthday. He also enjoyed camping with grandpa. Will always had the ability to make anybody laugh in any situation. He enjoyed playing Xbox with his brother, and was a natural at wrestling. He enjoyed anything military, and one of his biggest dreams was to join the Marine Corps.
Will is survived by his loving mother, Rachelle Palmer, and stepfather, Marty Noland; his sister, Isabelle Palmer, and twin brother, Charles Palmer of Yukon; grandfathers, William Burrows of St. George, Utah, and Daniel Palmer Jr. of Reno, Nev.
Will had a sense of humor that brightened many people's lives, and he will be truly missed by everyone who knew him.
Memorial services were Sunday, Sept. 7, 2014, in The Chapel of The Good Shepherd at McNeil's Funeral Service, Mustang.
Online condolences may be made at www.mcneilsmustangfs.com.
Brandee Sheree Newby-Hammons
Brandee Sheree Newby-Hammons, age 37, died at her home in Nicoma Park on Wednesday, Sept. 3, 2014. She was born May 14, 1977, in Oklahoma City to Timothy and Janene Newby. She grew up in South OKC/Moore and attended Moore Schools. She had an associates degree from Connors State College. Brandee enjoyed crafting, making jewelry, camping and fishing. She had a heart for helping women in need. She attended Harmony Christian Church.
She was preceded in death by her father, Timothy, and her grandfathers, Gary and Don.
Survivors include her husband, George; her best buddy and furry companion, Mimi; her mother, Janene Kerns and husband, Van; one son, Kiahree Kerns; two stepdaughters, Seaera and Alivia Hammons. Also by one sister, Brookelynne Davidson and husband, Colt; grandmothers, AJ Sivard and Mary Alice Burks and husband, Jess; and three stepsisters, Ashley, Andi and Alexandria Newby.
Services were held Tuesday, Sept. 9, 2014, at Mustang UMC with interment following in the Mustang Cemetery. Services were under the direction of McNeil's Mustang Funeral Service.
In lieu of flowers, donations can be made to Joyful Heart Foundation (joyfulheartfoundation.org) or DaySpring Villa (dayspringvilla.com).
Online condolences may be made at www.mcneilsmustangfs.com.
Jennifer Marie "Jackson" Duvall
Jennifer Marie "Jackson" Duvall, age 37, died on Saturday, Sept. 6, 2014, at her home in Mustang after a sudden illness. Jennifer was born Feb. 19, 1977, in Oklahoma City to Richard T. and Beverly A. (Elliott) Jackson. She grew up in Mustang and was a graduate of Mustang High School and had lived most of her adult life in Mustang. She loved music, movies and crafting, including knitting and doing beadwork. She attended Extreme Church in Mustang.
Jennifer was preceded in death by her father, stepfather and her grandparents.
Survivors include her husband, Chris of the home; two sons, James Adamson of Sterling and Jeremiah Jackson of Mustang; her mother, Beverly Rozniata of Mustang; and two brothers, James Dale Jackson and wife, Lisa of Edmond and Rev. Jerry Jackson and wife, Sheryl of Mustang.
Memorial services will be held at 11 a.m. Thursday, Sept. 11, 2014, at Mustang Town Center.


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Meeting Materials
NCBF 2014 Midyear Meeting - February 6-8, Chicago
Joint Workshop 5A - A Planned Giving Program for Your Bar Foundation
Joint Workshop 5B - Building a Better Board: Good Governance and Best Practices
Saturday Plenary Session: Bar Foundation Spotlight
2013 Annual Meeting, San Francisco
Friday Morning:
Workshop 5A – How Bar Associations and Foundations Can Use Philanthropy Projects to Empower Members and Communicate a Positive Message about the Legal Profession
- Columbus Bar Foundation's Rock'n Bowl
- Austin Bar Foundation/Habitat for Humanity's 2013 Legal Build
- Illinois State Bar Association Lawyers Feeding Illinois
- Allegheny County Bar Foundation Attorneys Against Hunger
Workshop 5B: "Do We Have to Instagram, Too?"
Friday Afternoon: Savvy Tech Tips
Saturday Plenary Roundtables
- Special Events: Black Tie Gala Template
- Working with Consultants
- IPhone/iPad: 11 Apps You Shouldn't be Without
2013 Midyear Meeting, Dallas
Friday Plenary: Fundraising As If Our Work Depended on It
- Cycle of fundraising
- Columbia Land Trust
- Cycle of fundraising template
- Philanthropy in America
- NPQ Nonprofit Economy
- Income sources
- Income diversification form
- Sample FR plan
- Sample plan - South Carolina
Friday Afternoon: Creating a Culture of Fundraising
- Responding to no
- Board job description
- Dogwood board nominations
- Board fundraising agreement
- "They Said They Would Raise Money" article
Saturday Plenary: Oh, the Places You'd Go If You Only Had a Plan
2012 Annual Meeting, Chicago
Workshop 5A: Doing Well by Doing Good
Workshop 5B: Engaging our Legal Comunity in the Mission of the Bar Foundation
Saturday Plenary
2012 Midyear Meeting Materials
Workshop 5A: Anatomy of "The Ask"
- Non-Profit Marketing Worksheet
- Major Gifts Visit: Structuring the Conversation
- Major Gifts Visit: Role Play
Workshop 5B: Fundraising House Parties
Mobilize Your Board to Raise More Money
- Cycle of Fundraising
- Article, "They Said They Would Raise Money...Now What?" - Andy Robinson
- Columbia Land Trust Donor Relationship Management Menu
- Cycle of Fundraising Menu
NCBF Award Presentation
Marketing for Non-Profits: Making Lasting Impressions
Sharing Your Wealth - "It's Show and Tell Time
- Ohio State Bar Foundation : 2009 Fellows Class program on Sexting and Cyber Bullying
- District of Columbia Bar Foundation: Go Casual for Justice promotional materials and description
- New Mexico Bar Foundation: solicitation thank you letter and promotional flyer
- Texas Bar Foundation: newsletter, annual report, executive director report
- Cleveland Metropolitan Bar Foundation: 2011 Halloween Run for Justice summary and marketing materials
- Oklahoma Bar Foundation: Fellows brochure and enrollment card
- Tulsa County Bar Association: example of short video format that could be adapted to bar foundation messaging
- Allegheny County Bar Foundation : Attorneys Against Hunger campaign and video, 2010 Annual Report
2011 Annual Meeting Materials
Workshop 5B - Ten Easy Ways to Involve Your Board in Gift Acquisition and Stewardship
Saturday morning plenary: Building a Compelling Case for Support
2011 Midyear Meeting Materials
Saturday Morning Plenary: "Planning the Before and After of a Successful Endowment Campaign"
- David Blaner, Executive Director, Allegheny County Bar Association
- Andrea Stone, Executive Director, Texas Bar Foundation
Workshop 5B - Setting the Rules for Board Participation - Governance and Expectations: Truth in Advertising
2010 Midyear Meeting Materials
Jane Curran, Executive Director, Florida Bar Foundation
- Workshop 5B - Beyond the Dues Check-Off
- Class Action Residuals Information Sheet
- Residual Class Action Fund - Jayne Tyrrell
- State Bar Of California President's Page
- Annual Giving Issues and Strategies (Powerpoint)
Thomas Hull, Development Director, North Carolina Bar Association Foundation
Kim McKelvey, Executive Director, ALPS Foundation Services
Jayne Tyrrell, Executive Director, Massachusetts IOLTA Committee
NCBF Award Presentation - 50/50 Campaign Annual appeal
Rene McPhedran, Executive Director, Cincinnati Bar Foundation
Firm Volunteer Packet Samples |
Planning Documents |
Solicitation Samples |
Community Partnerships: Working Together through Pro Bono, Educational and Fundraising Programs to Maximize Impact
Lorrie Albert, Director, Allegheny County Bar Foundation


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When someone respects you, praises you, you are pleased, you are happy. The enlightened ones say that when someone respects you then you should remain indifferent to it; you should even be sad! Ordinarily when someone shows respect you feel very happy. Why? - because your ego is fulfilled, and the ego is a disease. This is why your enemies cannot harm you as much as your admirers: they are nourishing your ego. Kabir has said that you should arrange it that people who slander you should live near your house. This is just the reverse! - people who abuse you, give them shelter to live near you so that they can go on abusing you day and night. Because people who abuse you are shattering your ego and people who praise you are enhancing your ego. And the ego is the great disease, it is the source of all misery.
Practically, this sutra means: don't go with what seems to be the natural reaction. Do just the reverse of it and then, by and by, your life will become religious.
When Jesus was being crucified he was asked if he wanted to say something. Jesus raised his face towards the sky and said, "Father, forgive these people, because they know not what they are doing." If somebody wants to crucify you, your mind will be full of curses for him; there is no way for blessings to shower through you. A curse is the natural reaction. Even the animal will react the same way and the stone will also do the same. To react in this way it is not necessary to be a human being: this is the principle of inanimate life.
Just as water flows downwards and fire burns, in the same way, animal nature creates a double anger in reaction to anger. This is simply the natural way of animality. Pashu, animal, means that which is static, which is not moving forwards. Pashu means one who is dispirited, who is stuck and whose life has no spiritual growth.
The Sanskrit word pashu is beautiful - all Sanskrit words are beautiful. In this sense, no other language is as scientific as Sanskrit, because each word has its philosophy behind it and each word has been coined with great thought and understanding. These words are not coined just for their functional usage. Pashu comes from pash, which means something that binds, a bondage. Pashu means the one who is bound. Pashu does not mean animal; it means one who is tied, one who is caught, one who is a slave to the rules of nature, one who is not free. If you want to rise above the spontaneous reaction of nature, then to do the reverse should be your sadhana, your spiritual discipline. When someone praises you you should cry and when someone abuses you you should laugh. If you follow this small practice when you go in search of the divine, the divine will come searching for you. Then there will be no need to search for it. Once you change the ordinary reactions of life into their opposite then you have entered the world of truth. You have entered on the path of grace from where truth itself will pull you.
As you are you are standing upside-down. What you think of as standing straight up is nothing but a shirshasana, a headstand. You are seeing everything upside-down. You have to stand on your feet. As you are you have to be in the reverse position.


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The part that works [the branches].What part of WaMu is JPM buying
The part that doesn't work [the mortgages].what part is the government running
It isn't.how is this different than the Paulson Piggy Bank?
(JPM wins, the taxpayer is f*cked.)
The part that works [the branches].What part of WaMu is JPM buying
The part that doesn't work [the mortgages].what part is the government running
It isn't.how is this different than the Paulson Piggy Bank?
Because of the leverage, I suspect that the taxpayer, not JPM, will wind up with the bill for any losses over the shareholder/bondholder value.I don't see where the gov't is either
By taking on all of WaMu's troubled mortgages and credit card loans, JPMorgan Chase will absorb at least $31 billion in losses that would normally have fallen to the F.D.I.C.
But JPMorgan is not taking any chances. It will write down around 17 percent of the value, or about $31 billion, of the loans on WaMu's books. It might have to write down another $18 billion of WaMu assets in the future, according to CreditSights.
Even with that, it still believes that the acquisition will be 15 percent accretive to next year's earnings.
That's because JPMorgan let the bank fail before taking it over, wiping out bondholders of the parent bank, as well as equity holders. So it will not be responsible for paying off the $14.4 billion in debt associated with the bank holding company. Equity holders, who have seen WaMu's market value drop from around $35 billion last year, will also be wiped out.
Avoiding those liabilities will provide a cushion to absorb WaMu's losses — and could contribute to a large profit for JP Morgan shareholders.
Either way, Citigroup and Wells Fargo are unlikely to bid more than a few dollars a share for Wachovia, substantially less than the $10 at which its shares were trading Friday. It was unclear whether bondholders would also take a steep discount on their holdings, or be entirely wiped out.
Other aspects of the deal also remain in flux. One is whether all of Wachovia is up for sale, or whether the company might be carved up.
Citigroup and Wells Fargo, for example, might bid only on Wachovia's retail banking business. Wachovia retail brokerage, the second largest behind Merrill Lynch, might remain independent. It was unclear what would happen to Wachovia's small investment bank.
Both Citigroup and Wells Fargo are interested in acquiring Wachovia's branches and roughly $400 billion in deposit financing. For Wells Fargo, a deal would extend their branch banking network eastward across the Mississippi, creating a nationwide franchise that would compete with Bank of America and JPMorgan Chase. Citigroup and Wachovia declined to comment. Wells Fargo did not immediately return calls seeking comment.
For Citigroup, the deal would vastly expand its retail branch network after struggling to build one for years. It would also give it access to more stable customer deposits, so it could rely less heavily on outside investors for funds. Bank executives there see this as game-changing opportunity.
Still, both Citigroup and Wells Fargo have serious concerns about taking on Wachovia's $800 billion loan portfolio. In particular, they are worried about a big swath of troubled mortgages tied to the 2006 acquisition of Golden West, a California lender that specialized in pay-option mortgages. But lacking the time for more than a crude analysis of Wachovia's finances, both banks are trying desperately to assess the risks.
biker wrote:To maintain our strong capital position, we will be raising additional
capital and our Board has decided to reduce the quarterly dividend to a
level more in line with our leading competitors.
In an abrupt change of course, Wachovia Corp. said Friday it agreed to be acquired by Wells Fargo & Co. in a $15.1-billion (U.S.) all-stock deal, wiping out Wachovia's previous plan to sell its banking operations to rival suitor Citigroup Inc.
A key difference is that the Wachovia deal will be done without government assistance, while the Citigroup deal would have been done with the help of the Federal Deposit Insurance Corp.
pitz wrote:Latest Paulson plan is to buy equity in the banks, in exchange for cash.
Essentially, new equity issuance will be highly dilutive, since its likely that equity infusions would come at current market prices on the banks.
Is this the proverbial 'take the shareholders out of the insolvent companies and shoot them' move?
Logically, the stock of every sector and firm, except US banking, should skyrocket on the news. And US/Canadian banks that are perceived to be strong and highly capitalized should get a nice bounce..
Any fundamental problems with my logic, other than logic doesn't work in an irrational world?
pitz wrote:Is this the proverbial 'take the shareholders out of the insolvent companies and shoot them' move?
Essentially, new equity issuance will be highly dilutive, since its likely that equity infusions would come at current market prices on the banks.
I'm flabbergasted. The Socialist States of America?As part of its new plan, the government is set to buy preferred equity stakes in Goldman Sachs Group Inc., Morgan Stanley, J.P. Morgan Chase & Co., Bank of America Corp., Merrill Lynch, Citigroup Inc., Wells Fargo & Co., Bank of New York Mellon and State Street, according to people familiar with the matter.
Not all of the banks involved are happy with the move, but agreed under pressure from the government.
A high level view is that Citi's board and CEO are not on the same wavelength. Doesn't sound like there is a lot of great crisis management skill at work in the Citi organization:Yet Goldman -- whose stock rose 2.5 percent Friday and which now has about the same market value as Citi -- continues to resist such a deal because it would be disruptive to Goldman's culture and could make it vulnerable to big losses from some of Citi's assets, the source said.
That reluctance has not changed since Goldman Chief Executive Lloyd Blankfein was encouraged by government officials to call Citi CEO Vikram Pandit. The call, which took place in September, lasted less than a minute and neither side was interested, people familiar with the matter said.
In a call with senior managers on Friday morning, Pandit reportedly said he intends to keep the bank whole and independent. But events appear quickly to be overtaking Pandit, the former Morgan Stanley executive and hedge-fund manager who took over as CEO last year.
Citigroup's board was meeting Friday to discuss its options, according to a report by Bloomberg. The board may decide to overrule Pandit and sanction sell-offs.
The bank's downfall was years in the making and involved many in its hierarchy, particularly Mr. Prince and Robert E. Rubin, an influential director and senior adviser....
When he was Treasury secretary during the Clinton administration, Mr. Rubin helped loosen Depression-era banking regulations that made the creation of Citigroup possible by allowing banks to expand far beyond their traditional role as lenders and permitting them to profit from a variety of financial activities. During the same period he helped beat back tighter oversight of exotic financial products, a development he had previously said he was helpless to prevent.
And since joining Citigroup in 1999 as a trusted adviser to the bank's senior executives, Mr. Rubin, who is an economic adviser on the transition team of President-elect Barack Obama, has sat atop a bank that has been roiled by one financial miscue after another....
"They pushed to get earnings, but in doing so, they took on more risk than they probably should have if they are going to be, in the end, a bank subject to regulatory controls," said Roy Smith, a professor at the Stern School of Business at New York University. "Safe and soundness has to be no less important than growth and profits but that was subordinated by these guys."
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Understanding the world of public pensions can be an arcane and mind-numbing experience. Beyond any basic tutorial, one needs to understand the political pension jargon as certain phrases also require translation. Here are some key points that everyone should know.
The euphemistic term "tapering the pension contribution collars" means to further reduce contributions to already underfunded pension systems. This equates to an individual planning to further unilaterally reduce their monthly mortgage payments while already being in arrears. Their motivation is to spend these "savings" elsewhere in the household budget.


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$650m rescue for power station
PUBLISHED: 26 Jun 2012 00:06:34 | UPDATED: 26 Jun 2012 10:39:32PUBLISHED: 26 Jun 2012 PRINT EDITION: 26 Jun 2012Marcus Priest
The parent company of one of Australia's dirtiest power stations, Hazelwood in Victoria, has been forced to bail out its subsidiary only days before the start of the carbon tax, as the federal government's former climate change adviser flagged a shake-out of the national electricity market.
French multinational International Power-GDF Suez linked the move to inject $650 million of rescue capital into Hazelwood's debt – via an intercompany loan – with the carbon price scheme after banks refused to refinance the brown-coal generator.
The bailout of Hazelwood follows revelations by the Weekend Financial Review that another power company, Intergen, had been forced to prop up its more efficient Queensland black-coal generators Callide and Millmerran because its banks refused to recognise a government loan to the distressed stations.
Prominent economist and adviser to the Multi-Party Climate Change Committee, Ross Garnaut, also warned that falling wholesale power prices and the carbon price would lead to the closure of high-cost, emissions-intensive plants
"There will have to be a rationalisation of generation capacity because we have too much, and what the carbon price will do is influence which of the existing generators remains competitive and which does not," he told the Financial Review.
"The market will decide that some of it should cease production."
Yet despite the shake-out, Professor Garnaut said coal generation would last longer than anticipated because of the rising cost of gas.
Brown-coal generator Hazelwood in the Latrobe Valley supplies 25 per cent of Victoria's power but is heavily affected by the carbon tax because it is one of the dirtiest stations. It employs 540 staff and emits 16 million tonnes of carbon dioxide a year. Under the carbon price package, Hazelwood received carbon assistance of $266 million.
But in a statement to the London Stock Exchange, International Power said Hazelwood had been unable to secure bank refinancing and had been forced to inject rescue capital through an intercompany loan.
In contrast, the company's smaller generator, Loy Yang B, had secured bank refinancing. Hazelwood is one of five generators negotiating with the federal government over possibly being paid to close.
"The refinancing of both facilities was completed in a challenging environment of continuing regulatory uncertainty around energy and carbon policy," International Power said.
Peter Ing, 25, an electrician who works at Hazelwood, said yesterday the biggest concern of local power workers was "having a job tomorrow".
But Mr Ing, who is also a shop steward for the Electrical Trades Union, argued that older generators such as Hazelwood were still needed, even though they were fired by the much-criticised brown coal.
"It's definitely not the end of the world because the power is needed, especially in summer," he said. "The state really struggles for power."
The uncertainty was difficult for older workers who might struggle to find new jobs and be forced to retire early, which made the "money struggles" of the power station's owners important for the workers. "If they don't make money, well neither do we … it comes down to a concern for jobs."
Mr Ing said Hazelwood management had raised concerns about the carbon tax, but workers "couldn't see anything changing because they will charge more for power and the retailers will charge more to the end-users".
"It might have led to the reasons why maybe they are struggling to get the banks to lend to them," he said. "The banks might have been worried about the carbon tax, but at the end of the day we will still be making power and people will still be buying it."
Electricity Supply Association of Australia chief executive Matthew Warren warned coal generators were operating under severe stress.
"What we want to see is an orderly and organised transition to new technology, not an energy industry paralysed by uncertainty until it breaks," he said. "This is a symptom of emerging paralysis. These are companies under stress and the means by which they get out of it is unclear.
Professor Garnaut said falling demand from higher energy prices, and the impact of newly installed wind and solar energy had resulted in lower wholesale prices and excess capacity in the generation market.
"The effect of the carbon price on wholesale electricity prices will be counteracted by the fact we have a considerable surplus of base-load power capacity in Australia and that is pushing down wholesale prices," Professor Garnaut said.
"Even with the carbon price, the wholesale price of electricity in real terms is lower than in 2006. But the real price of electricity to households and businesses has increased entirely as a result of the way we regulate prices associated with distribution, transmission [costs] and retail sales."
But he said the first day of the carbon price scheme would not be a "big day" in Australian economic history in terms of actual changes. "The changes will be incremental," he said.
"The main thing that will happen from July 1 is that both households and businesses in Australia will become familiar with how the scheme works rather than its caricature."
Echoing comments by Resources and Energy Minister Martin Ferguson last week, Professor Garnaut said the increase in the price of gas meant coal generation would be around for longer than previously expected.
"New gas capacity has become less competitive because it is anticipated Australian gas prices will rise a lot because of beginning of the export trade," he said.
"With a higher price of gas, it is more likely the optimal mix will be an increased supply of renewable energy [faster] and a slower phase-down in coal. That's the economy working, that is the market working."
But he said the carbon price scheme would achieve its objective of switching the Australian economy to low-emissions technology.
"It will start it, what happens next will depend on where the price goes over time and once there is an international linked trading scheme," he said. "The rate of transformation in Australia will be linked to the international rate of transformation. I never anticipated there would be an overnight transformation."
Although the European price under its emissions trading scheme has fallen to $10.60, Professor Garnaut said the three-year, fixed-price period starting at $23 was still reasonable. "It will start the economic transformation and what happens next will depend on where the price goes over time. Once we have an internationally linked trading scheme, then the price will be influenced by the prices in other countries.
"The scheme is a very good one for allowing the effort to be ratcheted up in line with increased international effort. I am comfortable with the concept of a fixed price for a couple of years because it allows it to be introduced with certainty about what would otherwise be a highly volatile parameter . . . and uncertainty.
"What matters is the price at the time of the transition to international linkages. It would be desirable for the gap to be smaller rather than larger in 2015. At this stage, you could not say with confidence that $23 will be out of line with the market.
"There will be a lot of developments in European economies and in international emissions policy between now and 2015." He said developments in international policy had been in the direction of stronger effort.
In particular, a slower than expected economic recovery in the United States and new regulations by the Obama administration effectively preventing the construction of new coal power plants meant the country was likely to meet an ambitious target to reduce emissions by 17 per cent on 2000 levels.
"The United States is pouring huge resources into research and development on low-emissions technology," he said. "That is going to be the most important way that the United States influences global emissions."
with Mark Skulley
The Australian Financial Review
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- Abbott exposing businesses to carbon fines: ALP
- Macdonald-Smith | Generator's smoke signals right
- Price of reduction too much for some
- Carbon price has fans – but not this tax
- Assistance to Alcoa not result of closure threat
- It will hit trade and investor confidence: miners
- Carbon tax mostly bad for business, executives say
Read more
People | Martin Ferguson |
Topics | Economy /Taxation , Metals & Mining /Coal , Energy & Utilities /Electricity , Politics /Federal Politics , Environment |


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business law
business law
Legal rules and principles bearing on business organizations and commercial matters. It regulates various forms of legal business entities, including sole proprietors, partnerships, registered companies with limited liability, agents, and multinational corporations. Nearly all statutory rules governing business organizations are intended to protect creditors or investors. In addition, specific bodies of law regulate commercial transactions, including the sale and carriage of goods (terms and conditions, specific performance, breach of contract, insurance, bills of lading), consumer credit agreements (letters of credit, loans, security, bankruptcy), and relations between employers and employees (wages, conditions of work, health and safety, fringe benefits, and trade unions). It is a broad and continually evolving field. See also agency; corporation; debtor and creditor; intellectual property; labour law.
Variants of BUSINESS LAW
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What: State Street Garage public meeting [CANCELED, RESCHEDULED]
When: Thursday, January 17, 2013 - 5:00pm
Where: East Tennessee History Center, 601 S. Gay St.
UPDATE 1/16: PLEASE NOTE: The public meeting scheduled for 5 p.m. Thursday, Jan. 17th, on the State Street Garage project has been canceled. It will be rescheduled for a later date.
City of Knoxville officials and construction managers with the State Street Garage expansion project will provide updates on the ongoing construction. This will include projected schedules for lane and road closures around the garage, and expected limitations on parking availability in the garage during construction.
The State Street Garage expansion is a $6.1 million project that will add 250 new spaces to the garage's existing 842 spaces. It will also add an elevated walkway across State Street to connect to Gay Street, replacing the now-closed escalator.
That's great timing - same
That's great timing - same time as the Council workshop on creamatoria and courtyard development, thus guaranteeing no Council members will attend.
And I have 3 other conflicts, but that's my problem.
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Sun, Jul 22, 12 at 15:21
I was given this plant but have no idea what it is. There are three individual plants in the pot. One of the plants has developed a pattern of brown spots on one of the leaves. The other two are starting to develop browning around the edge of the leaves. Can someone help answer what is this plant, how to best take care of it and how to combat the browning? Sorry, I know that is a lot but I'm afraid it is only going to get worse if I don't figure out what the plant needs.
Thanks very much! |
Follow-Up Postings:
Hi looks like either a bird of paradise of one of it's relatives ,or might be a Calathea?? Would suggest repotting and a shady summer out doors. If a BOP definitely needs a lot more light. gary |
It's a white bird of paradise. It's most likely browning because it is very root-bound and can't take up water to support that much foliage. You don't show a climate zone by your user name and that's a problem when trying to help someone with a plant issue. If you are in zone 8b or above, plant this in the ground and keep it watered. If you are in a zone below 8b, plant them individually in garbage can-size planters and drag them into a warm and well-lit spot over the winter. They will need fertilizer after you get them re-potted and they have become established - a month or two. |
Thanks for your quick replies! I'm actually in New York and the plant has been indoors since I got it. I'll have to get another pot for it until I can find a suitable location. Any ideas on how to keep it from growing too much without harming it? Thanks! |
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Armed man killed at roadblock
Comment on this storyJohannesburg - Johannesburg metro police officers shot dead a man wielding a gun at a roadblock on Sunday, city authorities said.
Police spokesperson Chief Superintendent Wayne Minnaar said the man ran past a roadblock in Jeppe Street, holding a gun in his hand.
"Officers ordered him to stop... Instead he fired a shot at them... They again ordered him to stop and he fired again. Officers returned fire and he was killed."
Minnaar said the man was alleged to have been involved in an armed robbery. - Sapa
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Dear Samantha, When you were referring to opportunities it may open (re Parkes) what sort of opportunities were you referring to. Also we were under the impression that Jean was cremated and her ashes scattered over the gardens at the cemetery. Obviously this could be incorrect information that was passed on to me by Nanna, she was always said that her mother (my nanna) couldn't stay for the funeral due to lack of funds, and that is what led me to believe there was no plot. Regards LINDA Notify Administrator about this message?
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Choose Sport: Choose Region:
March 3, 2013: New Rochelle's Khalil Edney hits "The Shot," a half court buzzer-beater to defeat Mount Vernon in the Section 1 Class AA boys basketball final.
Khalil Edney hit a shot from beyond half court with a tenth of a second left to give New Rochelle the Section 1 Class AA title over Mt. Vernon.
03/03/13: New Rochelle's Khalil Edney, Joe Clarke and coach Rasaun Young talk about New Rochelle's shocking win over Mt. Vernon.
Keith Irizarry and Kevin Devaney Jr. break down New Rochelle's stunning win over Mount Vernon in the Section 1, Class AA championship.
03/03/13: Mount Vernon boys basketball coach Bob Cimmino talks about losing to New Rochelle on a buzzer-beater in the Section 1 Class AA final.
Oct. 4, 2013: Watch the complete broadcast of New Rochelle's 36-26 football victory over White Plains.


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Emmy Awards Beauty! How The Stars Got Their Glow And Gorgeous Hair!
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The gowns were gorgeous, the diamonds were blinging and the heels were high and oh-so-hot, but how … READ MORE
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