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With her sharp features but warm smile, 2013 Miss Hong Kong winner Grace Chan (陳凱琳) has been tagged as one of Hong Kong's most outstanding pageant winners in the last several years. Faced with plastic surgery allegations, Grace uploaded many of her childhood photos online as proof of her natural beauty.
Indeed, not much of Grace's face has changed. Other than straighter teeth and paler skin, Grace has retained the slim jaw and large eyes from childhood.
Grace's elder sister Joyce Chan (陳凱晴), however, looks completely different from Grace. Joyce admitted that she felt the pressure in having a beautiful Miss Hong Kong winner as a sister, and in a Facebook status she wrote yesterday, she expressed that this pressure has been around since their childhood days.
She wrote, "How was I able to face a sister with such outstanding looks? Jealousy? Inferiority?"
She added that her mother's constant words of encouragement did not help. She also explained that her friends and family would always praise her looks, but according to Joyce, these compliments only made her more uncomfortable. "It cast a shadow in my childhood," she concluded.
Source: Apple Daily
This article is written by Addy for JayneStars.com.
JayneStars Media LLC reserves all copyrights. Reproduction in whole or in part without written permission is prohibited. By using the JayneStars website, you accept and agree to our Terms and Conditions of Use.Tags: Grace Chan, Miss Hong Kong Pageant
Hot Chick! BeautifuL sMILE!
I don't know what would Grace Chan look like if she did not have her terrible teeth straightened!
Thank goodness for braces!
She looks like like she has peranakan blood in her.
She don't look entirely 100% chinese to me.
OMG, what a misnormer "as one of Hong Kong's most outstanding pageant winners in the last several years. "
I think she is one of the worst, she doesn't look Chinese at all, she looks like Miss Bollywood.
Hello, is she really HongKong? Her ancestors must have south indian blood!
I won't vote her, I think HK people have weird taste. All 3 winners are not up to par, the other contestants are more beautiful.
No wonder Ms HK never wins Ms Universe. Should learn a thing or two from Miss China.
I find your comment extremely rude to people who are from Hong Kong but not 100% Chinese.
Me too and this person sounds like this other poster who goes on and on about not allowing his kids to marry non Chinese. I find that SO stupid and close minded.
I really wonder how people feel about Michelle Reis since her dad is Portuguese and yet many praise her as the most beautiful Ms. Hk ever?? I have a feeling that she is mixed somewhere down the line but we just do not know where. I think even she does not know that. But it is not like it matters at all. It should take much more than just physical appearance to win a true beauty pageant.
There, you see, Chen and Hie comments, you know for a fact that Honkie are weird! and awfully tasteless.
whats wrong that she does looks like miss bollywood? indian girls are supposed to be the most beautiful girls of the world. many miss universe are from india. so maybe this time hk will be the miss universe haha.
I would like to clarify to you that this is not a matter of whether she is good looking or not. What I find insulting is that you clearly believe that people of non-Chinese heritage cannot be Miss Hong Kong. As HeTieShou already mentioned what about Michelle Reis? What about Joyce Mina Godenzi? Are they not fit to be Miss Hong Kong? And the many other 1st, 2nd Runner Ups as well as contestants.
Winning a national pageant should not be about one's ethnicity it should be solely one's nationality. You have no right to disregard another person's claim to be Miss Hong Kong if she is legally entitled to compete.
And please do not label people when you don't even know who they are.
One question.
Can sayyyy an Indian who speaks fluent chinese in any dialect join Miss Chinese International Pageant or something like that?
Many will say no since Chinese is race but I might agree yes because Chinese can be about command of the language.
As for Miss HK it is clearer. As long as you are HK citizen and etc etc, why not? You can be white and still be a Hk-er? Or black and still be from Tim Tsa Tsui?
Does HK even grant citizenship? I thought all they do is to grant permanent residency which is not based on Chinese origin.
A very prominent HK family are the Kadoories, who own the famous Pennisula Hotel and the HK public utility. The Baghadian Jewish family have lived in HK for 4 generations now, much longer than most Chinese who are living there.
Grace has clarified this issue: She's not mixed.
Actually I do find her looks outstanding.
The sharp nose and very well defined eyes.
Whether she looks indian is secondary, but it is stil fact. HK people have awful taste.
She clearly doe snot have the looks of a beautiful girl, and I say all three don't have that quality. The other contestants have more character and beauty than the top 3. Yet, te people voted them, that's why they are tasteless.
Honkie just admired those that are more exotic, after seeing the same oval shaped, smooth fair skin, tinier eyes and
'flatter' nose, but no, she is not beautiful in my book.
This He and Chen is just trying to be morally righteous, but they ar enot even from HK, no right to even comment like thay are the judges.
@Truly Asian,
Do we even need to be from HK to state our comments?? If that is the case, then what gives you that right to judge and comment???
I have not stated anywhere that I support Grace Chan because that is not where my issue with your comment lies. I am fine with you saying that Grace is not a good choice I just find your reasoning that she doesn't look Chinese so shouldn't win Miss Hong Kong distasteful.
But must I add Grace was the clear favourite to people not from Hong Kong or not Chinese. Many people on different pageant forums predicted her to win.
I think there is a distinct difference between Miss Hong Kong and Miss Chinese International, to what I understand. Miss Chinese International is distinctly marketed as an international search for a winner of Chinese heritage thus it would be wrong for a non-Chinese to win. That's why technically if a female of non-Chinese heritage wins Miss Hong Kong I would argue whether she'd be able to participate in Miss Chinese International since competitions from other cities would explicitly state that only girls of Chinese heritage can participate. There are many pageants in the world that do this as well.
To Truly Asian
6.4% of Hong Kong citizens are classified as none ethnic Chinese, can they not participate in Miss Hong Kong then? Do not utter crap like Hong Kong being an ethnically homogenous region and therefore should crown a 100% Chinese winner. Finland has a comparable population classified as Finns but they recently crowned a girl of Moroccan and Finnish descent.
I heard from somewhere a long time ago that you had to be at least 25% Chinese by blood in order to enter MS. Hk. Not sure about other pageants though which was why Christy Chung(who is suspected to not be Chinese at all)'s race/ethnicity was questioned since she won that one pageant(which I suddenly forgot the name of).
Grace is beautiful. But I do have sympathy for her sister. I knew a girl who was pretty good looking in her own right but her mother was obnoxious when it came to praising her elder daughter (who was indeed beautiful and a nice girl) being the future Miss HK and a big movie star to anybody who was within her radius.
She kinda looks like Karena Ng in the first pic!!
hahaha yeah
that was my thought too when I was watching miss hk
Grace and her sister Joyce Chan is beautiful in her own way! (:
And I'm glad that Joyce doesn't let her jealousy affect her relationship with her younger sister. It's a pity where the elder sibling holds a grudge on the younger sibling.. :$
i really want to see a pic of her sister though – and her twin brother.
From what i think, grace and her twin bro were adopted, and graces "sister" is the biological daughter of her parents.
^ her sis's profile i think.
Bubblez, the link looks legit. The sis looks like her father.
Michelle Reis and her sister did not look alike at all either. But they seem to be close and get along well.
I'm not commenting on that HTS but there are some sisters who do not look alike, but due to their relatives' preferences, the other sister gets spoiled while the other one gets blamed for things.
And when that happens in a sister-relationship, it's hard to fix especially when both of the sisters are in their early adulthood stages. This is what bought me to my comment " It's a pity where the elder sibling holds a grudge on the younger sibling.. :$".
I was reflecting on my own relationship with my sister and it is a blessing to see that although Joyce is jealous of her younger sister, she doesn't let her jealousy/grudge to take over herself and let that affect her relationship with her sister..
I know that but I guess I don't understand as well as you do because I have all brothers. I always hoped for a sister but of course that cannot happen for me in this lifetime.
That is so true bubblez. Everyone has beauty in their own way. They just need to let it shine through.
Thanks Kaboom!
I totally agree with that!
Well said Kaboom and I wish many would cherish their natural beauty more and treasure what they have instead of mess with it using PS.
Grace Chan looks a little like Natalie Tong.
Her pre-pageant photo is same to me, same pointy nose, same smile, same double eyelids. Just no make up.
Her beauty certainly is natural, no plastic at all.
The only thing she has done is her teeth. Other than that looks the same. She is pretty but I don't think of her as beautiful.
from the pic above i think she has also done her eyebrows,it looks a bit longer and the positioning looks different.
Funn, your observation is very blunt and your judgment is very very poor. But it's excusable due to your untrained eyes for natural beauty vs PS.
Besides her teeth, look at the shape
of her mouth, lips, nose and her pair eyes. To me, They are totally different and very SHARP! Losing baby face is not like this.
This shows that there is a tremendously supreme values to perform PS which cannot be traceable by 99% of average naked eyes of human beings.
i think its just the make up that make the difference.dont agree with you that she looks totally different.i saw her photo when she was a child,she already possess that sharp face.
People's face do change a little as they grow older due to a lot of reason. I find her looking quite the same. Make up can do wonders. All these can make the lips, nose, eyes either bigger, sharper, smaller. But her structure is still the same. I don't see any obvious PS. Maybe we like to believe just because a person looks different between childhood, make up and no make up and we immediately think of PS. Sometimes it isn't. If she did do PS then it must have been the best surgeon. O can even see the PS on Tavia, Myolie, Raymond and gang but her? Not quite, except for the teeth and a bit of growing up. Again I don't consider single to double eyelid PS.
I'm sorry but braces and certain routines CAN really change a person's face. Several friends of mine had such a circular face prior to their dental alterations. Now their faces have become so long and their chins are much sharper. People's bone structure can change dramatically if they know how to.
Honestly this isn't a before and after picture of someone who did plastic surgery but called growing up. It's sad people just jump to conclusions and can no longer "differentiate" what's actually natural.
I really hope that Grace does not get PS down the line after she enters the circle.
Saw Grace's mum pic she definitely is her biological daughter cos she has a pointed nose and same mouth like her mum as for dad I don't think is biological dad either one is biological mum or dad definitely not both. I have a friend she married an indian man her daughter looked mixed like Grace then divorced married a Chinese man again so now she has a pure Chinese look son but her daughter look mixed like Grace; which I think Grace mum is the same like my friend it could be her second or third marriage with another man.
Based on Grace's look, she does not look 100% Chinese to me either. She looks like a mix with Indian and Chinese features, actually more Indian than Chinese.
She looks like her mom, but I don't see the dad in her. I believe the mother must be mixed perhaps? Or somewhere down her line she has some mixed blood with someone of darker skin origin?
She is what my grandma calls "ugly duckling to beautiful swan". Her sister and her have the same tan skin. But they seriously don't look related. I don't believe that Grace is 100 percent Chinese. They must have had foreign blood somewhere in their family line. if not in the last four generations at least earlier. Then again, family records mostly have been destroyed.
I really how many generations down the line does her mixed blood have to be and still be shown?? Is 3 or 4 generations down the line too far ago?? Or can it be further along? I used to have a former friend that looked a bit mixed but looked more Asian. Later on, I found out that she had a bit of French blood somewhere down the line so she looked a bit Eurasian.However, both of her parents looked purely Asian. I wonder if that is the case with Grace??
Does anyone have Grace Chan's brother's picture, as well as her parents?!
Grace's parents
Her mother is quite pretty, and her dad is decent looking.
Call me shallow, but her body is so unappealing. She has a nice face, but it is sad how a MHK look sick (as in illness sick). It is such an unhealthy image. As a whole package, I don't find her attractive. There are better looking candidate. This is beauty pageant after all and look does go hand in hand with wit. It is also quit sad how beauty is determined by how pretty your face is with makeup. Her pre makeup face is very ordinary. No wonder why MHK doesn't make it far in the pageant industry.
She is actually quite cute when younger. Teeth is what ppl called imperfect but i sometimes like a bit of imperfections? haaha…lol..
then u r just weird lol..
yup, I guess I am…haha…
I have to agree with Funn Lim. Apart from her teeth, Grace Chan has not done anything else to her facial structure.
@Koko, you are right, makeup can add sharp angles to a lady's face, alter her face drastically.
Great comments HeTieShou and Chen. Grace was born in Hong Kong and I see no reason why she cannot represent the land of her birth.
Thanks Trini! Even if she was not born in HK, it is great that she is representing Hk.
Other than her teeth, she looks exactly the same. Her face looks dull and fatigue in the first picture but that is obviously because she's not wearing any make-up. Even in the second picture, the make-up only enhanced and lightened up her face. And if you compare her to other current tvb actresses such as Tavia for instance, at least Grace looks recognizable even without makeup. On the other hand, Tavia looks completely different, not ugly, but almost like another person.
Anyone can look better today with plenty of money for a good stylist, doctor and photoshopper.
@Star, two thumbs up. Great comment
Well said!!!
I agree with some comments, she actually looks VERY Indian because of the large eyes and sharp chin. If she had darker skin, I would totally mistake her for a South Asian. BTW the first runner up is indeed not pretty. I mean, you can tell from her parents' features.
Everone ranting bout how the poor girl too skinny. She skinny but that is her natural slimness. She got good skinn. There is a big difference between being naturally slim, and starving your body to get and stay skinny. That is when these women look anorexic with unhealthy bad skin. Being a pageant winner is more than a pretty face and two watermelon breast. Grace shows that she has the style and class to wear the crown. Beauty is more than skin deep. There seem to be a few here who were brought up with values to be not fickle and superficial. Good luck to Grace. I really love what HTS, chen, Crystal,
definitely agreed and well said! I think this year's results were on point and Grace's win was deserving.
As I was saying, commentsby HTS, crystal, Chen, Leilafan, Kolo Bubblez and Funn are great. Good comments by Trini too.
Thanks Kaboom! IT's great reading your comments as well.


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ABC News: Report: Merrill Lynch CEO Spent Over $1M to Redecorate Office get in line behind me, take a number.....I wanna destroy this man.
He was fired, but he should make some sort of restitution. Probably got some kind of golden parachute.
Barney Frank just gave TARP money to one of his local banks. A bank that had a company Porsche for the workers to use. Nice. They needed a bailout I guess. They didn't realize how much a Porcshe costs to maintain.
A $1,400 trash can? Sheesh. That brings to mind the women I see buying Coach bags for hundreds, if not thousands of dollar. By the time you're down paying for the stupid thing, do you even have any money left to carry inside it?
Where's my torch and pitchfork? There is just simply no excuse for that. It cost him more money to decorate his office than it did to build my house.
Don't forget the gubment just gave BOA $20 billion to bail them out. $15 billion just went out in bonuses to Merrill Lynch executives. Hmmmm...... The Bush legacy continues.
How about the 50 million that citi just spent on a new 11 seat luxury air plane because the two they already had are a whole ten years old. This is becoming a joke and the government better realize that they better start getting a handle on this @#@@ before the people of this country take it into their own hands, and believe me the breaking point will happen eventually!
Who walked hand and hand with Bush, and is calling for more money to be handed to these criminals? Um...
I was just going to post that private jet thing in here. Checks, balances, and accountability baby. That would be checks handed to them, and increased balances in their accounts.
The jet story may be nothing but hot air guys. Private jets don't loose value the way cars do. There's tons of private planes out there that are worth more than they were off the showroom floor. Maintenance is extreme, relatively speaking, so if the seats ain't ripped up or the carpet or paint job isn't too bad the jet is just as valuable as new. So if they sold what they had and got one that better suits their needs its not really an extravagance.
Except for the fact that the two jets they previously had are only going to sell for 24-25 million leaving the extra 25-26 million to be paid with tax payer bail out money.
I'll try to understand your point, but you'll have to do better. Our Government just bailed these guys out and they don't cancel their order for a $50 million dollar jet. Why do they need a jet? Secondly, they are not like the former Pres. who admittedly didn't read the newspaper. These guys must have seen the Big Three get ripped for "flying" their jets to D.C. I guess they felt they were above that.
When your broke, people should fly coach. You don't go to Mortons when your rubbing nickels together, you go to Arby's.
It just shows how obviously corrupt our congress is, they are doing favors for their pals on mine and your tax dime!
It was childish when the media did it then and it sounds childish today. Its not about CEO's not being one of 'the little people,' private jets have costs. If the passenger's time is worth more than those costs then using them is the smart decision. If the Pats ran Pioli around on a private jet and he was able to visit one extra potential draftee per day, what's that potentially worth?
Private Jets are for sucessful people who can afford private jets.... these criminals used bailout money from the taxpayers because their companies FAILED. Now they are not loaning money, and instead buying jets, and redecorating offices????? This is complete BULL$H!T!!! These people have an addiction to money, one of the main reasons they need to be regulated, and also NOT be running companies. If a failed Buisness fails, and its leader makes millions, something is wrong. A CEO should be like the captain of a ship, the last to get off.
No-jet rule to be stripped from bill No-jet rule to be stripped from bill | Aviation | Kansas.com A requirement for companies that receive bailout funds to give up their business jets gets taken out of the Troubled Assets Relief Program legislation. BY MOLLY MCMILLIN The Wichita Eagle The aviation industry is breathing a collective sigh of relief. A provision requiring companies receiving federal bailout money to divest of their private aircraft or leases is being stripped from a House relief bill, U.S. Rep. Todd Tiahrt's office said Wednesday. Congressman Barney Frank, D-Mass., chairman of the House Financial Services Committee, on Friday introduced the language to the Troubled Assets Relief Program Reform and Accountability Act of 2009. He has agreed to accept Tiahrt's amendment to strip out the language, Tiahrt said. Frank is rolling the amendment into his own manager's amendment to the bill, Tiahrt said. The House is expected to vote on the bill today.

subset: commoncrawl


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Items where Author is "Woo, Hong S."
See full list of headings |
Woo, Hong S. (2009) Impediments and resolutions to innovation in a Chinese food manufacturer: a case study. Hungarian Journal of Marketing and Management, 2009 (1). pp. 72-75.
Woo, Hong S. (2008) Functional matrix structure for project management in China: the case of a state-owned project-driven enterprise. International Journal of Process Management and Benchmarking, 2 (4). pp. 291-302. ISSN 1741-816X
Woo, Hong S. (2007) Critical success factors for implementing ERP: the case of a Chinese electronics manufacturer. Journal of Manufacturing Technology Management, 18 (4). pp. 431-442. ISSN 1741-038X
Ghobadian, Abby and Woo, Hong S. and Gallear, David and Viney, H. and Liu, Jonathan (2001) Benchmarking: concept and practice with particular reference to the finance function. Chartered Institute of Management Accountants, London. ISBN 1859714889
Woo, Hong S. and Wilson, Doirean and Liu, Jonathan (2001) Gender impact on Chinese negotiation: some key issues for Western negotiators. Women in management review, 16 (7). pp. 349-356. ISSN 0964-9425
Gallear, David and Ghobadian, Abby and Liu, Jonathan and Woo, Hong S. (2001) Quality and business process synergy: key strategies promoting longevity. International Journal of Manufacturing Technology and Management, 2 (1-7). pp. 983-994. ISSN 1368-2148
Woo, Hong S. and Prud'homme, Celine (1999) Cultural characteristic prevalent in the Chinese negotiation process. European Business Review, 99 (5). pp. 313-322. ISSN 0955-534X


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Class: | JR |
Height: | 5-9 |
Weight: | |
Position: | OH |
Hometown/ High School: | Oakland, Calif./Head-Royce |
Graduated from Head-Royce School... Played under coach Scott Tay... Recorded 73 aces, 318 digs and 685 kills out of 923 attempts... Tabbed Team MVP in 2011... Earned Player of the Week on Max Preps... Named Bay Counties League MVP... BCL Tournament MVP in 2012.
Sophomore Year:
Participated in 104 sets across all 30 matches of the season… Led the Wolf Pack offense with 276 kills and 37 aces… Averaged a team high 2.65 kills per set… Tied for fourth on the squad with 12 assists… Ranked fifth on the team with a .177 hitting percentage… Posted a season high 16 kills versus Belhaven on Oct. 1 and SUNO on Oct. 26… Named to the SSAC All-Conference Second Team.
Freshman Year:
Played in 97 sets and all 37 matches for Loyola in her freshman campaign… Second on the team with 278 kills and 3.02 points per game… Tallied 127 digs and 20 blocks… Recorded 13 service aces and six assists… Totaled a career-best 17 kills in a five-set match against Spring Hill on Sept. 18… Had 20 digs against Montana Tech on Sept. 1… Named to the SSAC All-Freshman Team.
Majoring in mass communications... Born on April 20, 1994 in Oakland, Calif.... Parents are Walter Allen and Denise Bass Allen... Favorite athlete is Stephen Curry... Hobbies include skiing and drawing... Her most influential person is her grandmother ... Future career plans are to become a graphic designer or magazine editor.


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Hit that jump for the latest list in all of its glory.
[Big ups, Quastor]
The Police pack:
- "Roxanne"
- "Synchronicity II"
- "Can't Stand Losing You"
- "3s and 7s"
- "Sick Sick Sick"
- "Little Sister"
- Three or six songs, none announced yet
- "N.I.B." (cover)
- "Sweet Leaf" (cover)
- "War Pigs" (cover)
- "Moonage Dream"
- "Heroes"
- "Queen Bitch"
- "Ever Fallen in Love" by Buzzcocks (cover)
- "I Fought the Law" by The Clash
- "Rockaway Beach" by The Ramones
- "Fortunate Son" by Credence Clearwater Revival
- "Juke Box Hero" by Foreigner
- "My Sharona" by The Knack
- "Cherry Bomb" by The Runaways
- "Bang a Gong" by T-Rex
- "Joker and the Thief" by Wolfmother
- "Brass in a Pocket" by Pretenders
- "My Iron Lung" by Radiohead
- "Buddy Holly" by Weezer


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Cast Iron Owl Doorstop
Perfect Doorstop
I bought this for our office door which hangs pretty high off the ground (probably because there used to be carpet in that room once upon a time that has been replaced with Pergo). It works perfectly for holding the door open -- what more could you ask for from a doorstop? I was happy with the price too, it seems like it would've cost more.
October 14, 2013
Nicer in person!
Great little owl. Says it's a doorstop but honestly it's a cute 'shelf' item also (I actually didn't know it was a doorstop!) It's very heavy and durable. Much cuter in person. Great price also!
October 14, 2013
Owl Door Stopper - Adorable
Perfect size, works well, good price, exactly for what I was looking. Love it.
September 14, 2013
owl love it
this little guy is adorable! i have a thing for owls and am always looking for more of them to add to my collection. this is a great addition! it can be used as a doorstop or just as a decoration! not disappointed... great quality.
November 20, 2011
I'm in owl heaven..... LOVE IT!!
I'm in love with my owl doorstop..... I smile everytime I see it. Would recommend to anyone.
October 2, 2011
Love it!
Bought this to hold open our heavy and large front door and it does the job perfect. Attractive looking and functional.
June 15, 2011
This is so cute! I bought it as a gift for a friend....very vintage looking yet modern!
December 10, 2010
Owl Doorstop
I'm not sure where I'm going to put my Owl doorstop but regardless, I'm very happy w/ my purchase. Looks high end but only [$]. Can't beat that. However, my puppy growled at it at first thinking perhaps it was alive.
December 8, 2010
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Many of us get on the scale and are surprised by the number staring back at us, We think back to what we've eaten over the last few days and things don't seem to add up. Aside from the types of food you may be eating, the amounts are critical as well. An important feature of food labels is serving size. Yes, your snack may say 100 calories per serving and if there's one serving per container, then that's all you eat. But if each container has two and half serving and you finished the whole thing, your calorie intake is really 250. For summary of key featured included in a food label, check out this brief summary from the Miami Herald.
Author: mindy_haar


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Kangaroo pouches serve as the location where a developing young kangaroo grows from about the size of a kidney bean to its size when it can move about on its own. The kangaroo begins its life as a fertilized egg much as the same way as humans, but, as mentioned above, when the developing 'fetus' is the size of about a kidney bean, it migrates, through what is really a dangerous journey, from its mother's uterus to the pouch where it continues development. The young kangaroo will mature there, and it is often a humorous sight to see basically a fully developed small kangaroo riding in its mother's pouch.
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Thousands of bands from around the world traveled to Austin this year to perform at the SXSW Music Festival. There were some with huge corporate backing like Lady Gaga or Damon Albarn, and others
Read More »Box Office Round-Up: Fans still like Wolverine despite that last movie we all try to forget
In a very, very crowded month in terms of blockbuster movies being released every damn weekend, The Wolverine still had enough push despite its unliked predecessor (which the film rightfully ignored in its marketing
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How far does ambiguity go in storytelling to where it's not annoying for the audience? Well, in this day and age, that's a very tough question. Today's audiences want things spelled out to them,
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Best Bookstore Fort Lauderdale and Palm Beach 2001 - Liberties Fine Books, Music & Café
Liberties, with its eclectic book selections and vast array of caffeine concoctions, presents a haven for book-lovers who disdain mammoth national chains. But unlike fledgling independent places, Liberties plays with the big dogs. Both stores boast a healthy variety of genres, and if they don't carry the book you want, they'll gladly order it. Walking the aisles at Liberties is like descending into a delightfully bookish black hole: Hours feel like minutes, and it's easy to lose a whole afternoon to browsing. The employees, most of whom seem to be bibliophiles, tend to be both helpful and knowledgeable; the application for employment even asks prospective workers to name the authors of several books. Aside from meeting your individual literary needs, Liberties infuses some culture into South Florida. A few times each month, the bookstores host meet-the-author events, readings, and book signings.


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NHL Hockey - Preview
New York Islanders vs. New Jersey Devils | |
The division rival New York Islanders and New Jersey Devils are set to renew hostilities on Friday when they meet at Prudential Center. In their last action, New Jersey was a 3-0 loser on the road against the Penguins. Bettors on Pittsburgh at -170 on the moneyline collected their winnings from that game, while the total score (3) sent UNDER bettors home happy as well. New Jersey: Team record: 0-1-0 SU, ATS The total has gone UNDER in 5 of last 7 games when playing NY Islanders When playing on Friday are 2-8 Team record: 0-0-0 SU, ATS The total has gone OVER in 4 of the NY Islanders last 5 games When playing on Friday are 3-7 NY Islanders home to Columbus, Saturday, October 5 New Jersey at Edmonton, Monday, October 7 |


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Lyrics Depot | |
Lyrics » The Smashing Pumpkins Lyrics » Soothe Lyrics |
Lyrics Depot is your source of lyrics to Soothe by The Smashing Pumpkins. Please check back for more The Smashing Pumpkins lyrics. |
Soothe LyricsArtist: The Smashing PumpkinsAlbum: Pisces Iscariot Hungry, hungry again When will it start to sway When will it start to almost break you Hungry, hungry again Hungry, hungry again I'll miss you And I wish you luck Well, I forgive you And I don't wish you away, away, away It'll almost break you Almost take you Almost break you Almost break you up
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Published: Monday, August 21, 2006
Page 1 of 1
Images of the city of New York are translated, through a simple yet varied material palette, into a light, playful yet stylish lounge space for Virgin Atlantic airlines by locally based firm SHoP Architects. More
Moulding and twisting wood into warped planes that defy the reality of the material, ShoP architects create a continuum of visuals and experiences within the Hangil Book House, only to further weave the building into its context. More
Adopting an innovative approach at merging the old with the new in the Porter House, SHoP architects fascinate the observer with a play of material, light and proportions, resultantly transforming it from a run-down warehouse to a dynamic new landmark for the city of New York. More
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From March 8-11, 2006, thousands of dental research scientists, students, and educators from around the world will convene in Orlando, Florida, as the American Association for Dental Research (AADR) and the American Dental Education Association (ADEA) hold their first-ever joint Annual Meeting & Exhibition at the Walt Disney Swan & Dolphin Hotels. This is the 35th Annual Meeting & Exhibition of the AADR, and the 83rd Annual Session & Exhibition of ADEA. It is also the 30th Annual Meeting of the Canadian Association for Dental Research (CADR).
Last reviewed: By John M. Grohol, Psy.D. on 21 Feb 2009
Published on PsychCentral.com. All rights reserved.


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CHINA | Wednesday, 27 September 2006 | Views [67951] | Comments [17]
Listen to podcast
Have you ever been stuck in a country wanting to be polite, but not even knowing the word for 'please'? Or been frustrated when you couldn't ask for the most basic directions to where you're going?
The WorldNomads.com Mandarin Chinese Language Guide gives you enough phrases to keep you travelling safely and get more from your holiday.
Screenshot from the World Nomads Mandarin iPhone app - available for free from the Apple iTunes store
Over 2 million people have downloaded our audio language guides and now these great resources for travellers have been rebuilt for the iPhone too. We're proud to say that MSNBC recently rated the WorldNomads.com language guide series the #1 freebie language App for iPhones. See their review here
If you just want the basics, try these on for size:
Contains: 16 min language lesson Suitable for: download to any iPod/mp3 player or play directly within this browser Details: MP3 file, Size: 13.9MBWritten Script: Download PDF of script here
Basic Chinese Lessons Pronunciation and Writing Assorted Language Learning Tools Chinese Multimedia Tutorial for Beginners Elementary Chinese Lessons Chinese Writing Reference Chinese Pronunciation Guide
These are just some of the 25 languages available. See whole the range
Tags: china, chinese, chinese language, iphone, ipod, language guides, language lesson, learn mandarin, mandarin, podcast
The train from the Shanghai airport to Pudong is called the MagLev (not Megler). Stands for Magnetic Levitation. Perhaps you should visit?
Amy Aug 26, 2006 6:50 PM
People from Shanghai don't all speak mandarin... but they do all speak shanghainese, which is closer to japanese than mandarin...
Gareth Nov 24, 2006 1:10 PM
Very powerful photo - you can feel the motion
ביטוח רכב Dec 28, 2006 7:55 AM
Thanks for your little conversation but to tell you the truth am the only student trying t teach myself mandarin in makerere university and i find it a bit easy learning it in pinyin.Am trying to write the characters but they are hard to learn.anyway xiexie
CHRIS MUKAMA May 24, 2007 4:53 AM
Can't get the language lesson to download. Says "the resource cannot be found".
Debbie Oct 10, 2007 5:08 PM
Hi Debbie,Thanks for letting us know about the broken link - I've fixed this up and you can now download the Mandarin Language Guide again.cheers
language-guides Oct 11, 2007 9:20 AM
Contrary to message #3, virtually everyone speaks Mandarin, at least as a second language, in Shanghai. I was there with a Mandarin speaker who spoke no Shanghaiese, and we met only a few persons with whom she had difficulty communicating. On the other hand, contrary to the impression given by the lesson, it is virtually impossible to function exclusively in English in Shanghai. In particular, you will be unable to use a taxi unless you have the address you want to go to written out in Chinese characters. Even then you had better have a cellphone and the phone number as well, since Shanghai taxi drivers are remarkably ignorant about how to find locations in their own city, and it is often necessary to call someone at your destination and have them give your driver directions.
Shanghai traveller Jan 2, 2008 11:29 AM
In fact, one of the most useful Mandarin phrases you can learn is "please tell the taxi driver how to drive to your location" (Ching gaosu chew zoo cher siji zemma kai nide nali).
Shanghai traveller Jan 2, 2008 11:38 AM
Pronunciation is important, but so is getting the name of the train right! It is the Maglev, not Magler. And if anyone's interested the fast train does only take 8 minutes from airport to terminal, alas the terminal is many many miles from the city centre. The bright lights of Nanjing Rd are another 40 minutes by taxi, or 20 minutes by metro. 300km/hr does sound very fast for a train I will admit, unless you've seen James May test drive a Bugatti Veyron to it's maximum speed of 407km/hr. He was recorded explaining that at this speed "the tires will only last for about fifteen minutes - but it's OK because the fuel runs out in twelve."Had they put a Shanghai taxi driver in the Veryon it would have gone faster. But you would have to give the driver instructions in Mandarin or Shanghainese, English doesn't hold much currency once you leave the lobby of your hotel.
Ewen Mar 8, 2008 12:55 AM
I do thank WN for these useful language guides, but it's only fair to warn users to listen only to the Chinese man's pronunciation in this lesson. The visitor's Chinese is absolutely dreadful, to the point that there's no way you would be understood if you pronounced some of the phrases as he does. Some of this is understandable - Xiexie/Thanks has a sound we don't use in English - but others are a bit of a mystery (the pronunciation of two so that it sounds like "I'm hungry", when the standard chinese for "two" just sounds like the letter "r" in American English). Just a heads up.
cure Mar 27, 2008 12:22 PM
There is some mistakes in the download part"Mandarin Chinese iPod phrasebook (Text only)"."I don't know" in Chinese is"war bu zhi dao".it is a graet country,Welcome to China.
Bart Yu Jun 3, 2008 6:29 PM
Some English phrases are also accpeted by Chinese citizens, like "hello,bye,Taxi, etc." which you can just say in English.
Bart Yu Jun 3, 2008 6:50 PM
I was in Shanghai in September visiting friends and it is a great town. Really loved it.My experience was that very few people spoke any English and I can confirm that the taxi drivers have no idea how to get around Shanghai. That said, sign language, a sense of humour and good intentions always work in the end.
Chris Jun 15, 2008 12:03 PM
a couple very useful phrase to get rid of people who are trying to sell you stuff:" bu yao, bu yao" (they're both 4th tone)and the phrase for i heard you but i don't understand you is," ting(1st tone) bu(4) dong(3)
viv Nov 6, 2008 9:54 PM
Does anyone know where I can find some resources for Shanghainese? Just came back after spending two weeks there. Wow, what a language! All the locals speak it and I didn't realize it completely different from Mandarin. Certainly my limited mandarin stills helped zilch in that department. IMO Shanghainese is a lot better sounding. I know it's not going to be as useful in general, but I would love to learn some. It's sounded like a cross between Chinese/Japanese and some kind of European language almost!
jake Jan 14, 2009 8:03 PM
China visitor Jun 23, 2010 11:18 PM
Guides download to the browser but are not available to download i.e. save as file and then load onto an mp3 player. BBC had trouble with their podcasts this way until they changed the terminology to 'listen live' i.e. through a browser or download to file for a player, for each process. Right-click on the link and select "save Link as"
Malcolm Apr 16, 2012 2:41 AM
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Today, Ms. Ande Bliss, a new blogger on Open Saloon (have mercy on her), posted I Could Have in which she discusses roads not taken. She ends her post with the question: "Do you ever think about your own turning point?"
Which got me to thinking, and that is a dangerous thing. So instead of answering her question in her comments section, I decided to make a post out of it. Don't ask, because I can't tell you.
Do you ever think about your own turning point?
Short Answer: Yes! often times (like right now). Thank you for asking.
Long Answer:
I should have zigged instead of zagged.
I should have flimed instead of flamed.
I should have could have instead of would have.
I should have ying instead of yang.
I should have rocked instead of rolled.
I should have bobbed instead of weaved.
I should have hustled instead of bustled.
I should have crissed instead of crossed.
I should have fished instead of cut bait.
I should have hipped instead of hopped.
I should have rythm instead of blues.
I should have dillied instead of dallied.
I should have dived instead of shucked.
I should have leaned to instead of fro(ed).
Well, that about covers it.
And remember...
"When you come to a fork in the road, pick it up." - Yogi Bera
I have to admit I was too engaged by your missed turning points, I just couldn't stop. Very cleverly done, Trudge.
Mission, well at least it wasn't a spork.
tr ig, you're right her stuff is hilarious. It needs more views.
FusunA, so you should have linked instead of read. :0


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@Iluviaporos - I don't think it's supposed to be taken that seriously. It's just a fun tradition, something for people to joke about rather than something that would actually make a difference to their lives.
I honestly wouldn't want a proposal on a Leap Day just because it might be considered an anniversary and that would mean only celebrating it once every four years.


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A gripping intellectual history reveals how Oliver Wendell Holmes became a free‑speech advocate and established the modern understanding of the First Amendment
No right seems more fundamental to American public life than freedom of speech. Yet well into the twentieth century, that freedom was still an unfulfilled promise, with Americans regularly imprisoned merely for speaking out against government policies. Indeed, free speech as we know it comes less from the First Amendment than from a most unexpected source: Supreme Court justice Oliver Wendell Holmes. A lifelong skeptic, he disdained all individual rights, including the right to express one's political views. But in 1919, it was Holmes who wrote a dissenting opinion that would become the canonical affirmation of free speech in the United States.
Why did Holmes change his mind? That question has puzzled historians for almost a century. Now, with the aid of newly discovered letters and confidential memos, law professor Thomas Healy reconstructs in vivid detail Holmes's journey from free-speech opponent to First Amendment hero. It is the story of a remarkable behind-the-scenes campaign by a group of progressives to bring a legal icon around to their way of thinking—and a deeply touching human narrative of an old man saved from loneliness and despair by a few unlikely young friends.
Beautifully written and exhaustively researched, The Great Dissent is intellectual history at its best, revealing how free debate can alter the life of a man and the legal landscape of an entire nation.
Given the updated release of Steve Mariotti's classic The Young Entrepreneur's Guide to Starting and Running a Business on Tuesday, we decided...... READ MORE
Written by Doris Kearns Goodwin
Jason Millman Reporter, POLITICO Pro
Written by Sharyl Attkisson
Written by Michael Savage
Written by Ben Carson
Written by Dinesh D'Souza
Written by Dana Loesch
Written by Charles Krauthammer
Written by Henry Kissinger
Written by James Risen
Written by Mark Steyn
Written by Peter Zeihan


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Product Description
Available while supplies last.
Zeno Cookware Set
Set includes:
- 2.1-Quart saucepan (6 1/4") with lid
- 2.1-Quart Dutch oven (6 1/4") with lid
- 2.9-Quart Dutch oven (7") with lid
- 4.1-Quart Dutch oven (8") with lid
- 7-Quart stockpot (10") with lid
- 10-Inch skillet with lid - 3.1 Qt.
- Both inside and outside have a mirror finish
- Revolutionary 6-layer sandwich base for fast and energy-saving cooking
- Suitable for all heat sources including induction
Materials: | Stainless Steel | |
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Does this cookware have rivets from the handles showing inside the pan?
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This cookware does not have rivets.
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The Clean Energy Council (CEC) National Conference, which will take place on 3–5 May at the Adelaide Convention Centre, is one such event. As an official media partner, EcoGeneration will be covering the event, bringing both delegates and those who cannot attend regular online news on developments at the conference.
"Clean energy is a dynamic space and the boundaries change regularly as government and industry work together to get the framework right for investment," says Matthew Warren, Chief Executive Officer of the CEC.
"The reality is that we still have a long way to go, but the exciting thing is that this is an emerging industry where we all have a very real chance to shape the future of our country."
The conference will feature an opening address from Minister for Climate Change, Water and Energy Efficiency Penny Wong, and a keynote address from CEO of AGL Energy Michael Fraser, who will discuss the importance of reforms to the Renewable Energy Target.
Article continues below…Policy development in Australia will be a key theme of the conference with several important policy makers set to present, including Department of Climate Change Deputy Secretary Geoff Leeper; Department of Resources, Energy and Tourism Deputy Secretary Drew Clarke; and Renewable Energy Regulator Andrew Livingston.
The conference will also explore policy gaps in Australia, with the perspectives of industry heavyweights from the major renewable energy sectors in Australia. But this will not be at the expense of broader discussions, such as the need to drive renewables globally, and Australia as a competitor in the clean energy investment sector. The event will also have workshops and technical sessions devoted to wind power, geothermal energy, solar power, and bioenergy.
The conference will be held at the Adelaide Convention Centre, which is not only situated in one of Australia's most environmentally aware states, but is also home to many green initiatives of its own.
Although South Australia makes up only 8 per cent of the national population, it can boast 48 per cent of Australia's wind power capacity, 41 per cent of its grid-connected solar energy, and 80 per cent of all geothermal activity either proposed or underway.
Mirroring the environmental interests of the state, the Adelaide Convention Centre currently sources 20 per cent of its energy needs from renewable sources, and has applied for inclusion in the South Australian Government's Solar City Program with the aim of installing roof top solar panels.
Visit the event website to find out more about the conference and exhibition.


text:
I didn't even know I had horseshoe kidney until I started getting urinary tract infections often. My doctor asked me a lot of questions about my lifestyle, and when she could find nothing in it that pointed toward a cause for my frequent infections, she ordered an ultrasound.
She found my oddly shaped kidney, and she let me know that I would have to take extra precautions to avoid getting infections. I was prone to them more than most people, so all I could do was change my diet a little.
She suggested taking cranberry supplements and drinking cranberry juice. This would keep bacteria from clinging to my urethra.
She also said that eating pineapple and yogurt would help. I have been taking, eating, and drinking everything she suggested, and I haven't had nearly as many infections this year as I had the previous year.


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Carry-on baggage
The maximum carry-on baggage allowance for each adult passenger is 20 kg and 10 kg for each child. The total length of each item can not exceed 160 cm. The above limitation is not applicable to wheelchair, which can be brought onto the train for free. Baggage space is limited and must be stored in your car so it is advised to travel lightly.
Things listed below are not allowed to bring onto a train or into a train station:
Explosive: things with explosive quality such as firecrackers.
Dangerous items: Any weapon, such as knives, guns, offensive weapons.
Compressed gases: Petroleum gas, coal gas, oxygen, hydrogen, etc
Flammable liquids: Alcohol, retinol, multi-purpose adhesives, thinners, petrol, glass cement, paint spray, hydrogen peroxide, diesel oils, etc
Flammable solids: sulphur, aluminium powder, camphor, etc
Poisons: Arsenic trioxide, asphalt, emulsifier of all kinds, power pesticide, termite powder, pesticide spray etc


text:
Today's movie and TV landscape might have looked very different if a large group of famous actors and actresses hadn't turned down famous roles. It's pretty mind-blowing to consider that Sarah Jessica Parker nearly never got to strap on those Manolos as Carrie Bradshaw because "Sex and the City" creators preferred Dana Delaney for the role, or that Sarah Michelle Gellar was thisclose to playing Cher Horowitz in "Clueless."
MORE: A Comprehensive Guide to 'Breaking Bad' Color Theories
Similarly, major movie stars like Will Smith, Leonardo DiCaprio, Julia Roberts, Tom Cruise, and Denzel Washington also passed up some pretty major parts throughout their careers, with some later saying they regret their decisions.
Obviously, iconic roles could have turned out very differently—and perhaps not so iconic—had every actor accepted every part offered to them, but it's fun to see which flat-out said "no way" to now-famous parts.
MORE: 5 Reasons Why 'Ringer' Should Still Be On TV
That said, we compiled a list of celebrities who did just that—turned down star-making famous parts in classic movies and acclaimed TV shows.
Click through the gallery to see which 50 actors who turned down famous movie and TV roles and let us know which shocked you most!


text:
Economic Letter November 2008
Dealing with the New Economic Realities at Mount St. Mary's University
We find ourselves in an extraordinarily turbulent economic climate and all of us are sensitive to the ways in which this climate affects us as a university. I am closely monitoring the current situation and its potential impact on the Mount.
I can assure you that we are a strong university. We are strong first and foremost because we have superb people addressing these economic issues. We are strong because we can dip into our deep reservoir of faith to address and dissolve the fears we encounter. And we are strong because through faith, we find the courage to carry out our calling to educate young men and women as a proudly Catholic university, as we have for the past 200 years.
The Mount, like many Catholic universities, operates in a fiscally conservative manner and is highly reliant on student tuition with a relatively small endowment income. What that means in an unsettled marketplace is that we must constantly attract new students, retain our current students, and rely on the ongoing generosity of our alumni and donors, whose love and devotion to the Mount are unquestioned.
In this latter regard we are most fortunate. I continue to be impressed with alumni who have responded to our Annual Fund phonathon with personal generosity during these unsettled economic times. As all of you know, we rely on these Annual Fund dollars for operating expenses to keep our tuition and fees reasonable.
The recent upheavals in the financial markets have not left us unaffected and there are no reasonable estimates for a quick recovery. Our endowment has, like most endowments, lost value. We have also experienced a $240,000 budget reduction from the state of Maryland as they, too, deal with the financial crisis. These stormy economic seas, while troubling, will not throw us off course. We are fortunate that our strategic plan, developed over the past five years, has forced us to focus on what is important.
In the coming months we will be very cautious with our spending. Now, and as we plan for the years ahead, we remain committed to providing Mount families with generous financial scholarship packages as well as superb education. In addition:
We are studying our pricing structure for the future to maintain our competitive edge.
If parents or students let us know they have financial difficulties, we will work with them to design a financial aid plan suited to their circumstances.
The university's Financial Affairs Committee is developing recommendations to reduce our operating budgets even further, with the savings to be dedicated to our scholarship program.
Our Financial Aid and Business offices will find every resource available to families in need and provide that necessary information to you.
While it is unclear how long the recession will last, if past history serves as a guide, we can expect the next 10-12 months to be a difficult economic period for our nation. However, we all realize that the recession will end and our nation will again enjoy a period of prosperity. We will pursue strategic actions that will deal with the current economic reality as we also address our long-term goals to build a strong university for our third century of service.
Now, more than ever, we will continue to look within to find the forces supporting our enduring tradition of love and caring for which the Mount is so well known. We will also be sensitive to the conflicts facing families who are experiencing a financial crunch yet remain committed to the exceptional education provided at the Mount.
We will fulfill our vocation to education by loving God and attempting to follow his purpose for our university as we can best discern it.
I am confident with the help of God and our faith we will weather this storm with courage and patience, standing fast as we have for 200 years.
Thomas H. Powell
University President


text:
It seems there's a day for everything. And that can't be any more evidenced by National Bubble Wrap Day, which was Monday.
In honor of the protective and entertaining bubble-popping material, News 4's Steve Harris got reaction from people in the St. Louis area who utilize the product.
Click the video above to see


text: Instead of relying on the usual elements that represent internationalism and world cultures this poster meets the brief by putting the language first. Bright colours are eye-catching, and hand written typography gives the poster a human touch. The poster has a bit of fun too, the chatterbox walking teeth are humourous, while still have a message of global travel and strong links to communication.


text:
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Hubbardton Forge 104115-05-ZU291 5 Light Ribbon Chandelier
Shown in Dark Smoke with Clear/Opal glass.
Hubbardton Forge 104115-05-ZU291 5 Light Ribbon Chandelier
1 - 3 of 8
Product Description
Available while supplies last.
This Hubbardton Forge chandelier comes in a bronze finish. Features clear outer/opal inner glass. Works with five 60-watt halogen bulbs.
Ribbon 5-arm chandelier with clear glass outer shades and inner glass diffusers. Design that can only be achieved through the craftsmanship of the forge.
- Canopy kit included.
Light Bulb: | (5)60w T4 G9 120v Halogen [Compare Bulbs] | |
Materials: | Forged Metal | |
Voltage: | 120 volt | |
Installation: | Damp Locations [Explain] | |
Listing: | , Made in USA, Featured Product | |
Specialty Chandelier Type Chandeliers come in a wide variety of shapes and styles. More common types include Candle-Style, Crystal, Williamsburg, and Wrought Iron among others. | Specialty Chandelier Type | Wrought Iron Chandelier, Candle-Style Chandelier |
Bulb is included free
Bulbs are not eligible for replacement
Bulbs are not eligible for replacement
Dimensions & Weights
Body Height: | 29.8 inches |
Chain/Cord: | 36 inches |
Shade Diameter: | 5 inches |
Wire Length: | 15 feet |
Diameter: | 28.8 inches |
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Bulbrite LED3G9/WW 3-Watt LED T4 G9 Bulb Pack of 2
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5 out of 5
Write a ReviewReview of Hubbardton Forge 10-4115 5 Light Ribbon Chandelier
By James P A. from Gorham, ME on Feb 11, 2012
Casual Do-It-Yourselfer, High-End Shopper
This light fixture is of excellent quality, built to last. We have ours on a dimmer switch giving a wide range of lighting options. The only difficult part of the assembly was adjusting the chain. Opening and closing the links was challenging due to the strength of the metal.
How would you rank the overall product quality?
How would you rank the overall product value?
Almost Perfect
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Sku | 6068804S |
Group # | 670492 |
Category | Chandeliers - 89 |
Style | Transitional - 15 |
Sales Rank | 2309 |
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- Home
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- Sunscreen for Body
Hawaiian Tropic Silk Hydration Lotion Sunscreen, SPF 30
6.0 fl oz
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Ship to you only - {{productModel.rebateText}}
- Helps prevent sunburn
- Wraps your skin in continuous moisture
- Light & non-greasymore
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Pampers your skin like no ordinary sunscreen. The breakthrough dual ribbon formula combines strong protection with luxurious, hydrating silk protein to wrap your skin in continuous moisture and help you maintain luminous skin in the sun. Plus, its light, tropical fragrance stimulates your senses for a completely captivating in-sun experience.
- 12 hour moisturization*
- Light and non-greasy
- Water resistant (80 minutes)
- Broad spectrum
*For sun protection, use as directed
Made in USA
Apply generously and evenly to all areas 15 minutes before sun exposure. Reapply at frequent intervals and after swimming or towel drying. Ask a doctor before use on children under six months of age.
©2011 Tanning Research Laboratories, LLC
Shipping Weight (in lbs): 0.55 Product in inches (LxWxH): 1.61x 2.49x 6.18
Item Code: 422450
For external use only. When using this product do not get into eyes. If contact occurs, rinse thoroughly with water. Stop use and ask a doctor if irritation or rash develops. Keep out of reach of children. If swallowed, get medical help or contact a Poison Control Center right away. May stain some fabric. Sun Protection Measures: Spending time in the sun increases your risk of skin cancer and early skin aging. To decrease this risk, regularly use a sunscreen with a Broad Spectrum SPF value of 15 or higher and other sun protection measures including: limit time in the sun, especially from 10 a.m. - 2 p.m. and wear long-sleeved shirts, pants, hats and sunglasses. Children under 6 months: Ask a doctor. For use on skin only.
Helps prevent sunburn.
Avobenzone (2%) , Octocrylene (5%) , Oxybenzone (3%)
Water , Ethylhexyl Benzoate , Glycerin , VP/Eicosene Copolymer , Cetearyl Alcohol , Disopropyl Adipate , Isopropyl Myristate , Isopropyl Palmitate , Phenethyl Benzoate , Polymethylsilsesquioxane , Polyethylene , Sodium Polyacrylate , Caprylyl Glycol , Dimethicone , Coco Glucoside , Ceteth 10 Phosphate , Dicetyl Phosphate , Xanthan Gum , Disodium EDTA , Paraffin , Silk Amino Acids , Butyrospermum Parkii (Shea) Butter , Mangifera Indica (Mango) Seed Butter , Panthenol , Sodium Ascorbyl Phosphate , Tocopheryl Acetate , Aloe Vera (Aloe Barbadensis) Leaf Juice , Carica Papaya (Papaya) Fruit Extract , Colocasia Antiquorum Root Extract , Mangifera Indica (Mango) Fruit Extract , Passiflora Incarnata Fruit Extract , Plumeria Acutifolia (Plumeria) Flower Extract , Psidium Guajava Fruit Extract , Phenoxyethanol , Methylparaben , Fragrance , May Contain: , Mica , Bismuth Oxychloride , Iron Oxides


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With Your Navigator, get all of the features of an advanced car navigation system on your mobile phone with voice turn-by-turn navigation enabled by GPS. Search for any destination including gas stations, ATMs, restaurants, and more. Get detailed maps of any location. Never worry about getting lost as Your Navigator provides automatic re-routing should you miss a turn. Get it all from the convenience of your phone!
App Pricing
- $2.99 / a day
- $9.99 / per month
You may incur data charges when accessing the network. Get applicable Data Plan.


text: A court in San José, Costa Rica's capital, convicted businessman Omar Chaves of ordering Medina's murder, and gunman Luis Alberto Aguirre Jaime of carrying it out. Father Mínor de Jesús Calvo Aguilar, the other accused mastermind, was acquitted in the murder case but convicted of fraud and sentenced to 15 years in jail. Chaves also got an additional 12-year jail term on the fraud charge. Six other suspects, accused of being intermediaries in the crime, were acquitted.


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Rep. Tim Kleinschmidt District 17 (R-Lexington)
Sources of Income
Kleinschmidt is a vice president and lawyer at Schneider, Krugler, Kleinschmidt and Weiser in Giddings. He serves as city attorney for Giddings, Round Top and Lexington.
He is also a rancher in Lee County.
His wife, Anna Kleinschmidt, is a pharmacy district manager at Brookshire Brothers Ltd. in Lufkin.
They own stock in his law firm, Ballard Power Systems and United Airlines.
In 2009, they reported income from Anardarko Petroleum and SK&K Partnership, which owns the building of his law firm.
He has interest in Kbro Co., a family ranching partnership that will soon cease to exist because his brother sold him his share.
In 2010, he reported income from Enervest Operating, LLC, a local oil production company that pays him some royalties. A 2011 statement added sources of income including KA Compass LLC, an oil company that leases his ranch; Brammer Engineering, a contractor; and Enervest Operating.
He also lists Sustainable Water Resources as a source of income.
He owns mineral rights on his property in Lee County, Texas, which brought in $2,990 in 2012.
Residential property in Lexington valued at $161,630
Ranch land in Lexington valued at $1.7 million
He voted in the 82nd session for SB 332, which would have strengthened the position of landowners on water rights. Kleinschmidt's family leased its water rights in 2006.
There has been no legal resolution regarding his chief of staff John Higgins, who was being investigated by the Travis County district attorney over travel reimbursements. Higgins has denied any wrongdoing, and Kleinschmidt is not facing any allegations in the investigation.


text:
February 3, 2011
By Ed Mitchell, IDFG
Deer and elk numbers are
meeting management objectives in most parts of the state, but hunter numbers are
White-tail deer are meeting
management objectives for buck harvest throughout the state.
Mule deer exceed management
objectives for buck to doe ratio. Statewide fawn survival last winter was about
70 percent, with high doe survival.
It's too early to tell how the
mulies will fare this winter, but Fish and Game hopes to get a better idea from
the 193 fawns, biologist recently captured and radio-collared.
Deer tag sales - white-tail
and mule deer - have declined by 12,715 tags since 2008, when Fish and Game sold
145,869 tags. It dropped to 133,154 tags in 2010 - a decrease of about 9
Female elk meet or exceed
objectives in 23 of 29 elk management zones; they are below objectives in six
zones. Bull elk meet or exceed objectives in 20 zones and are below objectives
in nine zones.
Fish and Game is conducting
aerial surveys in the Panhandle, Dworshak, Boise River, Middle Fork, Lemhi and
Teton elk zones this winter to update elk herd information in those zones.
Elk tag
sales are down by 7,800 tags. Tag sales went from 92,565 in 2008 to 84,765 in
2010 - a decline of about 8 percent.
Overall elk hunter success
rates are about 20 percent.
Fish and Game managers will
bring proposed 2011 deer and elk seasons to the Idaho Fish and Game Commission
in late March.
For details of deer and elk
status in
Sportsmen's Report sponsored by John and Lorraine Weiland
Riverside Sport Shop/Sinclair
11320 U.S. Highway 12, Orofino--208-476-5418


text:
VATICAN CITY (AP) — Pope Francis came under new pressure Wednesday to punish bishops who covered up for pedophile priests when a U.N. human rights panel accused the Vatican of systematically protecting its reputation instead of looking out for the safety of children.
In a scathing report that thrilled victims and stunned the Vatican, the United Nations committee said the Holy See maintained a "code of silence" that enabled priests to sexually abuse tens of thousands of children worldwide over decades with impunity.
Among other things, the panel called on the Vatican to immediately remove all priests known or suspected to be child molesters, open its archives on abusers and the bishops who covered up for them, and turn the abuse cases over to law enforcement authorities for investigation and prosecution.
The committee largely brushed aside the Vatican's claims that it has already instituted new safeguards, and it accused the Roman Catholic Church of still harboring criminals.
"The committee is gravely concerned that the Holy See has not acknowledged the extent of the crimes committed, has not taken the necessary measures to address cases of child sexual abuse and to protect children, and has adopted policies and practices which have led to the continuation of the abuse by, and the impunity of, the perpetrators," the panel said.
The stinging language surprised the Vatican and put it in damage-control mode, with officials strongly defending the church and accusing the committee of allowing itself to be swayed by pro-gay ideologues. The Vatican, which defended itself at a U.N. committee hearing last month, said the panel ignored the measures the Holy See has already taken to protect children.
"I'm tempted to say that the text was probably written ahead of time," said the Vatican's U.N. ambassador, Archbishop Silvano Tomasi.
Nevertheless, the report puts pressure on Francis to take decisive action after a year in which he has largely let the abuse portfolio fall by the wayside as he tackled other pressing issues, such as reforming the Vatican bureaucracy.
The Vatican announced in December that the new pope would create a commission to study how to prevent abuse and help victims, but no firm details about its makeup or scope have been released since.
And critically, the Vatican has yet to sanction any bishop for having covered up for an abusive priest, even though more than a decade has passed since the scandal exploded in the U.S. and countless law enforcement investigations around the world made it clear the role bishops played.
Vatican officials have suggested that under Francis, this might soon change.
The report was issued by the U.N. Committee on the Rights of the Child, an 18-member panel that includes academics, sociologists and child development specialists from around the globe.
Its job is to monitor compliance with the U.N. Convention on the Rights of the Child, a treaty the Vatican ratified in 1990. The treaty calls for signatories to protect children from harm. Only three countries have failed to ratify it: the U.S., Somalia and South Sudan.
Last month, the Vatican was subjected to a blistering daylong grilling by the U.N. committee, which then produced its final observations on Wednesday.
"The committee expresses serious concern that in dealing with child victims of different forms of abuse, the Holy See has systematically placed preservation of the reputation of the church and the alleged offender over the protection of child victims," the report concluded.
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Catch Trout at Tingley's Biggest Event on Saturday, April 12
April 9, 2014
Anglers of all ages can compete for prizes at Tingley Beach's 8th Annual Free Fishing Derby on Saturday, April 12 from 7:15 a.m. – 4 p.m. Grab your fishing gear, cast a line and reel in one of the 5,000 newly stocked rainbow trout. A New Mexico fishing license is required for everyone 12 years and older.
Meet at the Central Pond to catch tagged trout, there are 200 marked fish, and pick a prize. To receive prizes, tagged trout must be caught on Saturday from 7:15 a.m. to 4 p.m.
"Our sponsors make the Fishing Derby a fun, friendly contest for adults and kids, so come get some fish," said Kathy Lang, Curator of Tingley Beach. "New Mexico Game and Fish regularly stocks our ponds, and they're helping us get ready for the big event by bringing thousands of new trout."
The Free Fishing Derby is hosted by the ABQ BioPark, City of Albuquerque Parks and Recreation Department, Charlie's Sporting Goods, Los Pinos Fly & Tackle Shop, Sportsman's Warehouse, Quality Baits and New Mexico Department of Game and Fish. Special thanks to our sponsors for offering gift cards and fishing equipment as derby prizes.
Tingley Beach Café and Convenience will be open and selling food and drink inside the Tingley Station. Fishing licenses are not available for sale at Tingley Beach. No registration is required for this free event.
Tingley Beach will close at 5 p.m. on Friday, April 11 to prepare for the derby.


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Change Carriers but Keep your Phone.
Get better coverage, more data and a lower rate without a contract or credit check. No turn downs. If you own your phone and not in a current contract YourCellular can over the air flash your phone to a new provider. The big four, Verizon, T-Mobile, AT&T and Sprint can no longer control the airwaves due to a ruling by the FCC which mandates fair competition. Now the big four must allow other cellular providers the right to use their towers at competitive rates. Regardless of your phone type, CDMA (example Android) or GSM ( example most iphones), |
There are two types of carriers, GSM and CDMA


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And then there's the rape victim in India who killed herself yesterday. She was being harassed by the rapists. That's right. First they rape her, then they make her life hell afterwards because.
The police also got in on the act, making her report to the police station late at night and tell them all about the rape.
…as no arrests were made, the accused not only harassed the victim and her family, but also started issuing open threats. Hounded, the girl shifted to her aunt's house in nearby Samana town on November 29. "Since the rapists started harassing her at Samana too, she consumed some poisonous substance around 5pm on Wednesday, and died at Government Rajindra Hospital
(This is a syndicated post. Read the original at FreeThoughtBlogs.)


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Happiness Lies in the Joy of Achievement
"Happiness lies in the joy of achievement and the thrill of creative effort."- Franklin Delano Roosevelt
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text:
Managing Innovation and New Technologies in Upstream Oil and Gas
Few would argue that the upstream oil and gas industry has become more technology-intensive over the years. But how should a company manage the development, deployment, and use of new innovations that are emerging within the sector? Broadly speaking, this course gives participants an awareness of several of the recurring innovation-related themes and patterns that have emerged throughout the marketplace over the years, and then explains how they are relevant to the upstream oil & gas industry.
This course will:
- Develop appreciation for the role of innovation in the success of oil and gas firms
- Understand the industry-specific challenges of R&D in the oil and gas industry
- Understand how good ideas get turned into marketable innovations
- Understand the different types of innovation
- Understand how/why dominant designs emerge in the marketplace, but not always
- Know the advantages and disadvantages of different market entry strategies
- Know how to connect technology strategy to larger strategic aims of organisation
- Survey analytical tools and concepts for choosing innovation projects
- Know how to set up organisational aspects of innovation to achieve best results
- Understand tools and approaches for managing and tracking new product development
Who Should Attend
This course is most appropriate for people who are directly connected to the innovation-related aspects of their organisation, who work in decision-making roles that are frequently impacted by the emergence of new technologies, or who want to play a role in creating a more innovative environment within their business. No prior experience or training in this area is required for this course.
Engineers are responsible for enhancing their professional competence throughout their careers. Licensed, chartered, and/ or certified engineers are sometimes required by government entities to provide proof of continued professional development and training. Training credits are defined as Continuing Education Units (CEUs) or Professional Development Hours (PDH).
Attendees of SPE training courses earn 0.8 CEUs for each day of training. We provide each attendee a certificate upon completion of the training course.
Robert Perrons worked in a wide variety of roles and locations for Shell's International Exploration & Production division prior to joining the Queensland University of Technology as an Associate Professor of Technology Management and Strategy in 2011. He started his career in Shell's Strategy & Economics team in 1997, and then worked for several years as a production engineer in the company's overseas operations (offshore and onshore). He then left for three years to work as an Industrial Research Fellow at the University of Cambridge, but re-joined Shell again in 2004 to become the company's Executive Coordinator of R&D. He has worked with several oil and gas technology development and deployment teams over the years, including Energistics and Shell's Smart Fields program. Rob has a B.Eng. in mechanical engineering from McMaster University in Canada, a Master's degree in Technology & Policy from the Massachusetts Institute of Technology, and a PhD in engineering from the University of Cambridge, where he was a Gates Cambridge Scholar. He is a Fellow of both Engineers; Australia and the UK's Institution of Mechanical Engineers.


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IADR Heraeus Kulzer Travel Award
Supported by Heraeus
Deadline Extended to October 14, 2014
Past Recipients
The IADR is inviting applications from young investigators who have submitted an abstract which has a dental materials component for a travel award to support their attendance at the IADR General Session. The objective of this award program is to encourage young investigators to undertake research in new/innovative testing methods of dental materials, and new ideas and approaches to improve and develop dental materials.
- Young investigators (up to five years post-graduation from dental, material science, specialty training, or pre-PhD) are eligible to apply for a travel award. (No persons having already obtained a PhD are eligible to apply.)
- Entrants must provide a verification letter of their educationalstatus.
- In addition, entrants can only receive an IADR Heraeus Kulzer Travel Award once.
- Applicants MUST be IADR members.
- To apply you must select the IADR Heraeus Kulzer Travel Award and fill out the eligibility requirements when submitting your abstract for the IADR/AADR/CADR General Session & Exhibition by the October 14, 2014 deadline
- Applicants must also submit electronically a separate and more detailed overview of their projects (2 pages, double-spaced).
- This overview must include brief details of their material and methods, the results of the research including details of statistical analysis, and a brief discussion including how the research will affect the field of dental materials.
- The overview must be received in the Global Headquarters no later than October 14, 2014 for the application to be considered.
- Please submit the overview and verification letter in one PDF package electronically to Sheri S. Herren, Strategic Programs Manager at email@example.com indicating clearly with your submission that this is associated with the award and include your abstract submission reference.
In 2015, five (5) awards will be granted—one person from each of the following regions: North America, Latin America, Europe, Africa/Middle East; and the Asia/Pacific Region. Please see IADR Website for countries included in Regions. The winner of each award will receive US $2,500 for expenses to attend the IADR General Session & Exhibition.
All abstracts submitted for the IADR General Session are subject to peer review within the scientific groups of the IADR. Once the abstracts which are the basis of an application for a travel award have been accepted for presentation, they will be grouped into the regional categories outlined above and subject to an adjudication process.
The Award is supported by a generous donation from Heraeus Kulzer.
Sheri S. Herren, Strategic Programs Manager (email: email@example.com).
2014 Recipients
Anas Faraj Aljabo, University College London, England, UK
Jamila Mohamed Almuhamadi, Barts and The London School of Medicine and Dentistry, England, UK
Olivia A. Osiro, University of Nairobi, Kenya
Taneka Taylor-Jones, University of Illinois at Chicago, USA
Jiajun Zhu, The University of Hong Kong, SAR, China
2013 Recipients
Yang Xia
NanJing Medical University, China
Kelly Sayre
Oregon Health & Science University, Portland, USA
Pedro Henrique Corazza
Universidade Estadual Paulista
Jean-François Nguyen
Université Paris Descartes, France
Xi Chen
University of Minnesota, Minneapolis, USA
2012 Recipients
Yoshio Abe
Western University, Ontario, London, Canada
Araceli Acevedo Contreras
Universidad Nacional Autonoma de Mexico
Paula Benetti
UNESP, SP, Brasil
Juliano de Pierri
UNESP, SP, Brasil
Alexander Stepuk
ETH Zurich, Switzerland
2011 Recipients:
Carina S. Castellan
University of São Paulo, Brazil
Nathaniel Lawson
University of Alabama at Birmingham, USA
Neshka Manchorova-Veleva
Medical University of Plovdiv, Bulgaria
Giulio Marchesi
University of Trieste, Italy
Hiroyuki Miyajima
Osaka University, Japan
2010 Recipients:
Jonathan Y. An
University of Washington, Seattle, USA
Yu Furuya
Osaka University, Suita, Japan
Mohammed Hadis
University of Birmingham, UK
Philipp Kohorst
Hannover Medical School, Germany
Sybele Saska
Universidado Estadual Paulista, Araraquara, Brazil


text:
Star Wars: Knights of the Old Republic (KotOR) has been released on the App Store. This is the same full game that was released for the XBox in 2003, with the interface modified for the touch screen. Considered by most to be the best Star Wars universe game made, and by some to be the only good Star Wars game made, it's great to see this classic updated for the iPad.
KoTOR is an RPG/strategy game set about 4,000 years before Episode 1. Originally released 10 years ago by BioWare, Aspyr Media did the Mac OS X and iPad version. Aspyr are the folks that brought us the great Poker Pals and Sushi Mushi.
We've got the release fully covered here at 148Apps as we Go Deep on Knights of the Old Republic.
To start off, take a look at the trailer for KotOR from the original 2003 release for a little bit of nostalgia.
Star Wars: Knights of the Old Republic Review
Carter takes a deep look at Star Wars: Knights of the Old Republic in his 2000+ word review. Honestly, it's a great summary of why you need to play this game. [ Read More ]
Star Wars Knights Of The Old Republic: An Historical Perspective
First up, we've got a bit of History of Knights of the Old Republic from Rob. He gives us the background on where the game came from, some interesting details on how it was developed, and more. [ Read More ]
Tips and Tricks for Knights of the Old Republic
Carter offers up some tips and tricks for KoTOR to help you get the most out of your time with the game in his post, Help, I'm Lost on Taris: Learning the Ins and Outs of Star Wars: Knights of The Old Republic. [ Read More ]
Video of Knights of the Old Republic on the iPad
I take a look at the gameplay video with around 40 minutes of the start of Knights of the Old Republic on the iPad. [ Read More ]
Knights of the Old Republic, Meet the Internet: KoTOR Memes
Rob finds that KotOR has seen it's time in the world of memes. [ Read More ]
Released: 2013-05-30 :: Category: Games


text:
Unified Precious Metals® Complete Franklin Silver Half Dollar Collection
Item # WX2-141257
- Google+
This item is shipped directly from the factory. To see the expected shipping date, please add to your Shopping Cart. Sorry, no express shipping available. We are unable to ship factory direct items to Alaska, Hawaii, Puerto Rico or APO or FPO addresses.
This item cannot ship to Canada.
This item cannot ship internationally.
- Details & Specs
Unified Precious Metals® Complete Franklin Silver Half Dollar Collection... every Franklin from 1948 - 1963!
Fun fact: When the first Silver Franklin Half Dollar was issued in 1948, Benjamin Franklin became the first person other than a president to be immortalized on a circulating U.S. coin. Even the Liberty Bell on the reverse is a first as all previous silver coins featured large stylized eagles. Now you can add all this history to your collection with a complete selection of every Franklin issued between 1948-1963!
Details:- Complete collection covering each year the unique Franklin Half Dollar was minted, 1948 through 1963... including the valuable, low mintage 1955 issue
- Contains 16 coins, all .900 Fine Silver
- Rich display case is approx. 10 x 7 x 1 1/2".
Add to your collectibles with this complete Franklin Silver Dollar coin collection.
- Reviews
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text:
What have you learned from your project about the principles and practices of good teaching that you would like to share with your colleagues?
One element of good teaching is taking into consideration students' beliefs about their own academic capabilities in specific disciplines. Beliefs in one's capabilities to successfully complete an exercise in learning (i.e., self-efficacy) is a powerful predictor of students' decisions to engage in learning activities, overcome obstacles, and successfully complete a course of learning. In the field of teacher education, self-efficacy is relevant to how students go about preparing for high stakes, standardized certification exams such as Praxis.
In what way(s) did this project help your students gain new knowledge or skills?
The project is helping our students gain new knowledge because based upon it, we are making intentional effort to provide them with vicarious models of success and master experiences as they prepare to take their teacher certification exams.
In what way(s) has your grant-funded project changed the way that you teach?
The project has helped change the way that we run the Praxis Cohort. We are now more intentional in using the students who have already passed the Praxis exam as a resource to increase the self-efficacy of students who are still preparing to pass the tests. We use the first group of students as tutors and consultants because in these roles they function as vicarious models of success.


text: MEDFORD, Ore. — A Rogue Valley photographer will have several pieces of his work displayed in the Governor's office this spring. David Lorenz Winston will have as many as a dozen photographs displayed in Governor Kitzhaber's office from February 22nd to May 8th. Winston was nominated by a gallery in Ashland then contacted by the … Continue reading »


text:
ASHLAND, Ore. – Friday was the first day of the Paul Elliot Invitational in and the Southern Oregon volleyball team opened the party in style. They celebrated an early afternoon win over UC-Merced and then won an epic 5-set match over Biola, the fifth ranked team in the nation. SOU entered the second day of … Continue reading »
Megan Holland: Amateur AotW
Megan Holland has done it all on the volleyball court. She's been a setter, libero and outside hitter, but only one label really matters to Oregon Tech freshman Megan Holland; volleyball player. "I love it. When we don't have practices, I just want to be here. It's basically my life," said Holland. Within that life … Continue reading »


text: Books Q-QD JOHN B. COLEMAN LIBRARY VIRTUAL TOUR Third Floor – Books Q-QD Books J-P Books Q-QD Books QE-Z Elevator/Stairs Fire Exits Hallway / Lobby Information Desk Juvenile Collection Restrooms Staff Area While viewing the virtual tour, pause over the map of each floor. When you see the cursor turn to a hand, you can click for more information. At the bottom of each page find the other floors of the Library and all the links included on the virtual tour. Third Floor of the John B. Coleman Library. Books in the call number range J-P are in the south wing, and in the east wing are the books with the QE-Z call numbers. In the center are the books with the Q-QD call numbers. An Information Desk and a look-up station where you can check the online catalog are also in the center section. First Floor: Art Gallery Room 109 – Circulation Dept. - Interlibrary Loan - Information Desk – Jazzman Café - Periodicals Dept. - Public Events Room 108 - Reference Collection – Reference & Information Services – Reserves - Scanning/Typing Room - Technical Services Dept. Second Floor: Administrative Offices - Books A-DA - Books DA-H – Computer Lab – Information Desk Tutoring Center Third Floor: Books J-P – Books Q-QD – Books QE-Z - Information Desk - Juvenile Collection Fourth Floor: Fourth Floor Exhibit Space – African Art Exhibit – Delco Exhibit Fifth Floor: Special Collections/Archives – Executive Conference Room Exterior Views: View from L.W. Minor Street Was this information helpful? Provide Feedback or report broken links.


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Anatomy of the Crisis
The first visible indications of crisis came in early 2007. Subprime home mortgages that had been originated in the previous year were observed to be defaulting at rates far higher than expected, which called into question the value of securities collateralized by these loans. Some of those securities were, in turn, held by money market and cash management pools. Others became embedded in more exotic investment structures used by hedge funds and sophisticated institutions. As the condition of the subprime loans deteriorated, so did the securities that were backed by them, as well as the condition of investment vehicles that held these securities. The ripples spread quickly, and they often appeared to grow in magnitude as they developed. To understand how, it's helpful to review the how the system evolved.
Mortgage Market Share of the 67-Trillion-Dollar Global Debt Securities Market (as of year-end 2006)
Subprime loans make up a relatively small piece of total mortgage loans, and thus an even smaller fraction of total debt securities. But due to the manner in which subprime loans have been marketed to investors, they have become the tail that wagged the global fixed-income dog.
To see how, consider the detailed mechanics of the subprime loan system that had evolved by early last year. After a subprime loan was originated and closed, it was bundled with others of similar structure into a mortgage pool. The cash flows from that mortgage pool were then stratified according to their degree of risk, and each division was assigned to a different collateralized debt obligation, or CDO. Each CDO was then rated according to a series of assumptions about borrower performance.
Subprime payment histories over the previous decade suggested that borrowers generally kept their loans current for one year or more after origination, so payments made early in the life of even subprime loans were considered relatively risk free. It was also generally believed that the underlying real estate value would cover the principal obligation of a loan even if the loan were to be foreclosed. As a result of these assumptions, CDOs representing the earliest payments were generally given top investment grades by rating agencies (Typically AAA or Aaa, depending on the agency). With such grades, these short-term securities were eligible for use in money market funds, municipal government cash management pools, and a wide range of structured investment vehicles.
Loss histories for subprime mortgages in their first year after issuance formed a predictable pattern between 2000 and 2005, but the loss history for subprime loans issued in 2006 broke the mold during the first eight months of 2007. See below.
Unfortunately, the performance assumptions underlying the AAA/Aaa ratings began to break down in 2007. For one thing, anecdotal evidence suggests that loan underwriting standards appear to have changed; weaker borrowers may have entered the subprime pool in growing numbers, often through so-called NINJA (No Income, No Job or Assets) loans.
General subprime loan performance weakness was amplified by the first widespread real estate price declines since the Great Depression. The declines left many troubled property loans without enough collateral coverage to assure loan repayment in liquidation. The result was an unprecedented rise in losses on top-rated CDOs.
The first-order effect of this rise in subprime defaults was a heightened perception of risk in the mortgage market, which depressed values of many mortgage-related securities and reduced investor demand. This, in turn, created a series of second-order effects as funds (and institutions) which held CDOs began to report losses triggered by those declines. Many investors were surprised by the extent to which write-downs occurred in areas with no direct ties to the mortgage industry. This, in turn, made many investors reluctant to participate in any fixed-income market segment, freezing credit across a wide swath of the U.S. economy.
It is now possible to question whether bond markets might have overreacted and depressed some valuations much farther than might be justified by fundamentals. As a result, there are a wide range of opportunities for experienced bond managers to position their portfolios to benefit from a reasonably anticipated return to normality. It is also possible to profit from well-placed positions whose performance is contingent on continued market abnormality. What is more, a broad unwinding of financial structures should result in significant deleveraging across many sectors, a secular change that could create its own family of strategic investment opportunities.
The collapse of the subprime market has brought the bond market to a turning point, one that fundamentally shifts the nature of investment opportunity.
"We are in the midst of a global reckoning in the fixed-income market,'" said Steve Van Order, Calvert's fixed income strategist. "After five years of leverage, lax lending, and speculative frenzy in the U.S. housing market, we are entering what I call 'The Great Unwind' - a broad-based move in the credit market to revalue investments, write down overvalued securities, repent for past excesses, and repair the damage to portfolios."
Investment in mutual funds involves risk, including possible loss of principal invested.
Bond funds are subject to issuer default risk and interest rate risk. When interest rates rise, the value of fixed-income securities will generally fall. Conversely, a drop in interest rates will generally cause an increase in the value of fixed-income securities.