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Review of the Week: Powder (Dec 10-16)
Though I don't use powder all that often, it's an essential in my makeup bag for setting my makeup, giving it a longer lasting finish and reducing shine. And... I just ran out of my powder. Darn.
In light of the fact that I've just used up my powder, I thought I'd make it the subject of this week's Review of the Week! By now you should know the drill but if you're new, here's the low down.
From December 10th to 16th, review a powder and you are automatically entered to win a prize! The more you review, the better your chances are of winning! I'm looking forward to reading all the reviews and hopefully finding a new powder recommendation for myself! If you're ready to review, head on over here and get started. If you'd like to read some existing reviews, check 'em out here.
Remember, you need to be a ChickAdvisor member to review, so if you aren't, register over here and I'll also send you a virtual hug when you do!
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http://www.chickadvisor.com/item/gold-bond-body-powder/ | |
reviewed MAC powder! <3 | |
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I use Covergirl. Always have. | |
I actually just purchased a new face powder over the weekend, so this is the perfect timing! |
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text: JANUARY 2 0 0 4 RESTRUCTURING - EVOLUTION OF A CREDIT EVENT C O N FI D EN TI AL AN D P R I VAT E ST R I C T LY Restructuring in Historical Context Some events prompting re-examination of 1999 Definitions Conseco Bank debt restructured (compensated maturity extension) Significant price disparity between short-dated bank debt and longer-dated bonds Potential moral hazards and significant value in cheapest-to-deliver option led to debate about the proper form of restructuring as a credit event National Power De-merger resulted in two entities of very different credit quality (Innogy and International Power) "Successor" unclear under 1999 definitions, inspired "Successor Supplement" RESTRUCTURING - EVOLUTION OF A CREDIT EVENT Railtrack PLC Raised issue of whether convertible bonds are "Not contingent." Led to publication of "Convertible and Exchangeable Supplement" Ratings agencies' concerns regarding credit events 1 Evolution of "Restructuring": 1991-1999 1991 Definition of Restructuring Addendum to the 1991 ISDA definitions required that the terms of an obligation become "materially less favorable" to its holders Highlighted the desirability of "materiality tests" under the "long form" contract Asian crisis (Indonesia, Korean issuers) in 1997 and default of Russia on local paper and Paris Club debt in 1998 demonstrated subjectivity and contractual uncertainty of definition 1999 Definition of Restructuring The 1999 definition provided more objectivity by listing specific events that would constitute "restructuring" in a credit default swap contract a reduction in the rate or amount of interest payable a reduction in the amount of principal, a postponement of payment (interest or principal), RESTRUCTURING - EVOLUTION OF A CREDIT EVENT a change in ranking of priority (subordination), a change in the currency of composition of any payment To allow for negotiation of changes in interest rates or maturity extensions on bank loans under circumstances falling well short of severity of bankruptcy or payment default, ISDA drafting committee introduced exception to definition the aforementioned events would not be considered a Restructuring if the event did not "directly or indirectly result from a deterioration in the creditworthiness or financial condition of the Reference Entity." 2 Restructuring in Historical Context Conseco - a case study in Restructuring Stock price plunged after a $350mm charge in 2000 and announcement of intent to sell Green Tree, which Conseco had acquired in 1998 Conseco debt downgraded several notches after effectively losing access to the CP market and having to draw on bank backstop facilities Over the summer of 2000, Conseco accumulated $450mm in cash through improved operations and sale of non-strategic assets, but had used all its bank borrowing capacity to repay maturing debt and was facing repayment of bank lines Bankers chose to extend maturity of Conseco's loans instead of demanding timely repayment and likely pushing them into bankruptcy Conseco would repay $450mm of an outstanding credit line in full Maturity of the remaining $900mm in debt would be extended by roughly 15 months, interest rate would rise from L+50 to L+250, and bank lenders would achieve a form of collateralization RESTRUCTURING - EVOLUTION OF A CREDIT EVENT A Restructuring Event had clearly occurred, but - Bonds maturing essentially at the same time as the bank facility were repaid in full The restructured 15 month loan was trading at around 92% of face value Banks who triggered credit derivatives protection were able to receive par for delivery of long- dated senior unsecured bonds that they had sourced from the secondary market at around 68% of face value Outstanding notionals of CDS referencing Conseco exceeded $350mm and protection sellers lost over $60mm, but not a single contract was litigated in court - a successful test for the CDS markets, but highlighted need for refining the contract to better avoid perverse outcomes 3 Move toward Modified Restructuring Modified Restructuring fine-tunes triggers and limits deliverables Addressing market participants' needs Bank hedgers did not need any meaningful delivery optionality since bank forebearance in the US seldom exceeds more than 18 months Protection sellers strongly wanted the maturity of Deliverable Obligations to be capped in a Restructuring event Dealer community wanted to minimize mismatches on its books By incorporating the provisions of the Restructuring Supplement (May 2001) and checking the "Restructuring Maturity Limitation Applicable" box in the standard confirmation - If protection buyer triggers after a Restructuring credit event only, the maximum maturity of deliverables must be no later than the longer of: 1) Scheduled termination of the CDS contract; and 2) the shorter of; a) 30 months (in the case of all Deliverable Obligations) after legally effective Restructuring RESTRUCTURING - EVOLUTION OF A CREDIT EVENT date, or b) latest final maturity date of any Restructured Bond or Loan (provided that this maximum maturity can never be less than the remaining tenor of the triggered contract) Deliverable obligation must be "fully transferable" (consent not required) to "eligible tranferee" (wide range of institutional market participants) Restructuring credit event can only be triggered for Obligations that 1) have more than 3 holders in the case of a Bond or a Loan, and 2) in the case of loans only, require at least a 2/3 majority to implement a Restructuring Restructuring of bilateral loans are not triggers, though they are still deliverable if they otherwise meet Deliverable Obligation definitions 4 Move toward Modified Restructuring - continued Multiplicity of curves post-Conseco From Autumn 2000 to the adoption of the Restructuring Supplement, the US market traded many reference names in two forms - with 1999 Restructuring, and without Restructuring Obtaining a price for the inclusion of Restructuring in a disciplined derivatives framework is difficult because the probability of Restructuring is not an observable or hedgeable parameter, though it is possible to determine rough pricing boundaries and direction/magnitude of sensitivities of the price given factors such as tenor, credit spread, and recovery rate assumptions. But, as observed for most US names, 1999 Restructuring commanded about 10% more spread than protection without Restructuring during that period Since the adoption of the Restructuring Supplement, Modified Restructuring (MR) in US names has tended to trade at about a 5% premium to protection without Restructuring (NR) RESTRUCTURING - EVOLUTION OF A CREDIT EVENT 5 Modified Modified Restructuring History Though Modified Restructuring has been used for trades on US, Autralian and New Zealand Reference entities since the Supplement was published, MR was not adopted as a market standard for European, Japanese, and other Asian Reference Entities An alternative version of Modified Restructuring was introduced and adopted within the 2003 Definitions to cover European Reference Entities MMR - the specifics Where (a) Modified Restructuring Maturity Limitation and Conditionally Transferable Obligation are specified as applicable in the Confirmation and (b) the Buyer of protection triggers the contract in respect of which the only Credit Event is Restructuring then: the Deliverable Obligation will have a maximum maturity no later than the longer of: 1) Scheduled Termination Date of the CDS contract; and 2) 60 months (in the case of Restructured Bonds or Loans) or 30 months (in the case of all other Deliverable Obligations) following the legally effective date of the Restructuring RESTRUCTURING - EVOLUTION OF A CREDIT EVENT the Deliverable Obligation has to be transferable to any bank, financial institution, or other entity which is regularly engaged in or established for the purpose of making, purchasing or investing in loans, securities or other financial assets either (I) without consent or (ii) with consent of the Reference Entity, not to be unreasonably withheld Differences to MR and why - MMR provides for longer maturity cap for Restructured Bonds and Loans than MR (30 months) because it may be more common to see longer maturity extensions in the European market More common for borrowers in Europe to restrict transferability of debt instruments to banks and financial institutions 6 Modified Modified Restructuring (2) In 2003, a customer buys 5 year protection on EnergyCo June 2004, EnergyCo enters legally binding agreement to restructure certain of its bonds You can deliver (1) restructured bonds maturing before mid 2009 and (2) non restructured bonds maturing before 2008 30 month Maturity Maturity 60 month Cap Floor Maturity Cap RESTRUCTURING - EVOLUTION OF A CREDIT EVENT 2003 2004 2005 2006 2007 2008 2009 2010 Effective STD Legally effective date of Restructuring 7 Modified Modified Restructuring (3) (Europe and US) Feature: MR (US standard) MMR (European Standard) Maturity Cap: 30 month cap 30 month cap for non restructured obligations Floored at STD 60 month cap for restructured obligations Floored at STD Transferability: Must be transferable to extensive Must be transferable to entities list of entities without consent regularly engaged in loan and securities markets with consent not to be unreasonably withheld RESTRUCTURING - EVOLUTION OF A CREDIT EVENT Obligations covered: At least three holders and At least three holders and in the case of requires a 2/3 majority to a Loan, requires a 2/3 majority to implement restructuring implement restructuring 8 Valuing Restructuring - Grasping for a model framework Restructuring Premium in the Japanese CDS market Since the adoption of the 2003 Definitions, there are four choices regarding Restructuring as a Credit Event - Restructuring, MR, MMR, and NR Japanese CDS markets have continued to adhere to three credit events (Bankruptcy, Failure to Pay, and Restructuring) as a market standard despite 1) the large proportion of the Japanese credit markets being comprised of bilateral loans, and 2) indications that MR or even NR CDS are acceptable to Japanese banks as hedges for regulatory capital purposes Because of rampant moral hazard and the relatively high likelihood of Restructuring being a Credit Event, the Japanese CDS market provides fertile ground for thinking about the Restructuring Premium Worth noting that, unlike other markets, the Japanese CDS market has never experienced a RESTRUCTURING - EVOLUTION OF A CREDIT EVENT Credit Event on an actively-traded name with material CDS contracts outstanding, so remains an untested market Intuitively, the value of Restructuring in a CDS contract will be a function of the likelihood that Restructuring will be the trigger Credit Event, as well as the Recovery Rate upon Restructuring 9 Valuing Restructuring (2) Estimating the Relative Likelihood of Restructuring and Recovery Rates We assume that three factors are the most important for determining the relative likelihood of Restructuring as a Credit Event for Japanese corporate reference entities Size of debt — larger companies with higher debt levels are more likely to receive financial support in "debt forgiveness" form than being forced into bankruptcy Size of overseas operations (ratio of overseas sales used as proxy) — The larger the proportion of overseas operations, the higher the likelihood of debt restructuring, as bankruptcy rehabilitation plans will more likely involve foreign creditors Level of excess capacity in the sector — larger industry excess capacity will tend to decrease likelihood of debt restructuring, as a function of doubts concerning ongoing viability We then assign scores (1 to 5) for each of the factors, with a lower score corresponding to a higher probability of restructuring. The scores are added (3 lowest, 15 highest, but with 1 to RESTRUCTURING - EVOLUTION OF A CREDIT EVENT 2points added for technology, 1 to 2 points subtracted for infrastructure sectors), and we assume that a total score of 12 suggests a 50% chance that Restructuring will be the CE ze Si of Score es O verseas sal Score Excess Score debt capacity l over 1 tri. 1 O ver 75% 1 Short 1 l up to 1 tri. 2 U p to 75% 2 Fair 2 up to 500bi l 3 U p to 50% 3 rl gh Fai y hi 3 up to 200bi l 4 U p to 25% 4 High 4 ow bel 100 bi. l 5 Bel 10% ow 5 gni cant Si fi 5 10 Valuing Restructuring (3) Estimating the Relative Likelihood of Restructuring and Recovery Rates With the lowest score 1 (with adjustment) and the highest 15, we assume a linear increase in likelihood of 2CEs with each increase in score (and have applied the approach to some names): lty P robabii of kelhood of R Li i t Tw o C redi ati rel ve to S core TC Events ( E) TC E 1 0% NM 2 5% 21.0 3 9% 10.0 4 14% 6.3 kel Li yhood of R 5 18% 4.5 Excess Total Fi ati nalrel ve to 6 23% 3.4 D ebt Score O verseas ty Score C apaci Score Score Adj Score TC E . Rem arks 7 27% 2.7 N TT 309 7, 1 0% 5 2 8 -2 6 3. Infrastructure adj 4 . 8 32% 2.1 D oC oM o 458 1, 1 0% 5 2 8 -2 6 4 . 3. Infrastructure adj 9 36% 1.8 Toyota 853 6, 1 63% 2 3 6 6 4 3. 10 41% 1.4 11 45% 1.2 Nissan 2, 829 1 66% 2 3 6 6 3. 4 12 50% 1.0 M azda 667 2 49% 3 3 8 8 1 2. 13 55% 0.8 Nippon Steel 2, 019 1 20% 4 4 9 9 1. 8 14 59% 0.7 Kobe Steel 1, 049 1 20% 4 4 9 9 8 1. 15 64% 0.6 Estimating the Recovery Rate of Deliverable Obligations for a Japanese corporate reference entity upon Restructuring is quite challenging, given paucity of data RESTRUCTURING - EVOLUTION OF A CREDIT EVENT We nevertheless look at some historical data of bond prices following Restructuring events as a guideline for estimating this parameter H aseko 6 (03/1/31) 80 80 70 70 60 60 50 50 i Fujta 12 (01/9/28) H aseko 6 (03/1/31) 40 40 i Fujta 13 (02/12/10) 30 30 20 20 /2 /4 /6 /8 /2 /4 /6 /8 /2 /4 /6 /8 2 0 2 0 2 0 /3 /6 /9 /3 /6 /9 /3 /6 /9 2 2 2 2 /1 /1 /1 /1 /1 /1 /1 /1 /1 /1 99 99 99 99 00 00 00 00 01 01 01 01 99 99 99 00 00 00 01 01 01 98 99 99 00 00 01 98 99 00 01 11 Valuing Restructuring (4) Determining the theoretical basis between 3CEs and 2CEs Given an assumption for R2 (expected recovery rate for 2CEs), we can generate a matrix of the par spread ratio between 2CE and 3CE CDS (1-S2/S3), as a function of Relative Likelihood of Restructuring and Recovery Rate upon Restructuring Par Spread Discount Table (1 S 2 / S 3 ) R2 30% M 0.11 0.25 0.33 0.50 1.00 1.50 2.00 3.00 4.00 15.00% 12% 23% 29% 38% 55% 65% 71% 78% 83% 25.00% 11% 21% 26% 35% 52% 62% 68% 76% 81% 30.00% 10% 20% 25% 33% 50% 60% 67% 75% 80% 35.00% 9% 19% 24% 32% 48% 58% 65% 74% 79% RR 45.00% 8% 16% 21% 28% 44% 54% 61% 70% 76% RESTRUCTURING - EVOLUTION OF A CREDIT EVENT 55.00% 7% 14% 18% 24% 39% 49% 56% 66% 72% 65.00% 5% 11% 14% 20% 33% 43% 50% 60% 67% 75.00% 4% 8% 11% 15% 26% 35% 42% 52% 59% 85.00% 2% 5% 7% 10% 18% 24% 30% 39% 46% Important to note that, though the model is extremely assumptions-based, it provides for thinking about the 2CE-3CE basis occasionally observed (or heard) in the markets. Sony 5yr 2CE CDS currently trades at around 75-80% of 5yr 3CE CDS - is this too high? 12 This presentation is for discussion purposes only and is incomplete without reference to, and should be viewed solely in conjunction with, the oral briefing provided by JPMorgan. Neither this presentation nor any of its contents may be used for any other purpose without the prior written consent of JPMorgan. The information in this presentation is based upon management forecasts and reflects prevailing conditions and our views as of this date, all of which are accordingly subject to change. In preparing this presentation, we have relied upon and assumed, without independent verification, the accuracy and completeness of all information available from public sources or which was provided to us by or on behalf of the Company or which was otherwise reviewed by us. In addition, our analyses are not and do not purport to be appraisals of the assets, stock, or business of the Company or any other entity. JPMorgan makes no representations as to the actual value which may be received in connection with a transaction nor the legal, tax or accounting effects of consummating a transaction.[The information in this presentation does not take into account the effects of a possible transaction or transactions involving an actual or potential change of control, which may have significant valuation and other effects. T I T L E ] JPMorgan's policies prohibit employees from offering, directly or indirectly, a favorable research rating or specific price target, or offering to change a rating or price target, to a subject company as consideration or inducement for the receipt of business or for compensation. JPMorgan also prohibits its research analysts from being compensated for involvement in investment banking transactions except to the extent that such participation is intended to benefit investors. [P R E S EN T AT I O N JPMorgan is a marketing name for investment banking businesses of J.P. Morgan Chase & Co. and its subsidiaries worldwide. Securities, syndicated loan arranging, financial advisory and other investment banking activities are performed by J.P. Morgan Securities Inc. and its banking affiliates. JPMorgan deal team members may be employees of any of the foregoing entities. 13

subset: commoncrawl


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Since the release document is lacking here few notes on how it works, it will be updated soon =).
Libav has separate version for each library provided. As usual the major version bump signifies an ABI-incompatible change, a minor version bump marks a specific feature introduction or removal.
It is made this way to let users leverage the pkgconf checks to require features instead of use a compile+link check.
The APIChange document details which version corresponds to which feature.
The Libav global version number e.g. 9.16 provides mainly the following information:
- If the major number is updated the Libraries have ABI differences.
- If the major number is Even API-incompatible changes should be expected, downstreams should follow the migration guide to update their code.
- If the major number is Odd no API-incompatible changes happened and a simple rebuild **must** be enough to use the new library.
- If the minor number is updated that means that enough bugfixes piled up during the month/2weeks period and a new point release is available.
Major releases
All the major releases start with a major version bump of all the libraries. This automatically enables new ABI incompatible code and disables old deprecated code. Later or within the same patch the preprocessor guards and the deprecated code gets removed.
Once the major bump is committed the first alpha is tagged. Alphas live within the master branch, the codebase can still accept features updates (e.g. small new decoders or new demuxers) but the API and ABI cannot have incompatible changes till the next one or two major releases.
The first beta tag also marks the start of the new release branch.
From this point all the bugfixes that hit the master will be backported, no feature changes are accepted in the branch.
The release is not different from a beta, it is still a tag in the release branch. The level of confidence nothing breaks is much higher though.
Point releases
Point releases are bugfix-only releases and they aim to provide seamless security updates.


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Last Activity: 27th February 2015 11:36 AM
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2 | 1. After unlocking bootloader every boot bothers us by showing warning in red letters. Here is how to remove that : http://forum.xda-developers.com/showthread.php?t=2682932 Thanks Topsnake You will need mfastboot, adb, bootlogo - all. I'll take... | View... |
2 | I've installed it. I've checked and it's working nice. Thanks. BTW, I've changed DPI to 240 and xposed AppSettings is not changing DPI of dialer. Can you suggest how to make it fit to 240/210 DPI ROM? I checked my xposed and AppSetting and I was ... | View... |
1 | Does this work on indian moto e??? Yes. I'm on Indian Moto. ( Didn't you notice BSNL on my profile ?) | View... |
1 | Blank audio file If it recored call, got SU permission and had sound folder on SDcard, then check audio carefully. Because, the app starts recording as soon as you start dialing. First few seconds may be blank. BTW, are you rooted and did you ... | View... |
1 | That's correct. Even that will not show always. Just ensure that you have activated it after boot by touching once. It will save recordings in 'Sounds' folder on Internal Storage. If the folder is not there, create it. Otherwise, it will not wor... | View... |


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Celebrity Buzz
Your daily dose of hot news & gossip.
Report: Pacino in talks to play Paterno
Actor Al Pacino is in talks to play former American football coach Joe Paterno in a biopic, according to a new report.
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Who changes more diapers, Beyonce or Jay-Z?
Beyonce sits down with Anderson Cooper to give up update on her baby girl Blue Ivy and reveals that she even finds the mundane task of changing diapers a "beautiful" experience.
[Read More]
LeeAnn Rimes' emotional return
The singer takes the stage for the first time since checking into a treatment facility for anxiety and stress. See LeAnn's tearful moment.
[Read More]
Blake and Ryan get married
The couple, who've been dating for almost a year, made it official in a secret ceremony. Get the scoop.
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New trailer: Vampire Bella's maternal side
Motherhood appears to agree with this just-turned vampire in Twilight: Breaking Dawn Part 2.
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Heidi Klum speaks out about Seal's 'fornicating' slam on Katie Couric's new show
Supermodel Heidi Klum has broken her silence on her split from Seal in her first interview since the couple's marriage broke down, insisting she never cheated on the British singer. The German beauty separated from the "Kiss From A Rose" singer in January after almost seven years of marriage, and she filed for divorce in […]
[Read More]
Man with scissors scales Miley Cyrus' fence
Maybe her new hairdo prompted it. Los Angeles police arrested a man who jumped over the fence at Miley Cyrus' home early Saturday morning, and he was armed with scissors, TMZ is reporting. Officers responding to a 911 call found Jason Luis Rivera and reportedly arrested him on trespassing charges. The singer was not home […]
[Read More]


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Crispers fans, here's a rare Crispers coupon for $2 off any order of $7 or more!
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Author has written 12 stories for Kingdom Hearts, Tales of Vesperia, Final Fantasy VIII, and Final Fantasy X. -UPDATE: FEBRUARY 2013- [Formally known as Seimyx] Hey, how's it going? I'm just your average fanfiction writer who finished college and misses it severely. Nothing special. I am a video game fan, specifically the Final Fantasy series, but as you can see, I don't write so much fanfics about them. Fear not, I'm working on it! I had a Kingdom Hearts phase back in 2007. I enjoy the fandom a bit, but I'm taking a break. I went ahead to revise most of the KH stories in my gallery. I won't change stuff too dramatically though, just minor errors. Honestly, I am trying to avoid writing Male/Male stuff. I realized how I am no longer into it. I'm done with school but I'm working now so I am slowly at getting back in my game. I write short stories more than I write lengthy pieces. I promise you won't be disappointed. I strictly stick to the character(s) personalities and their sophisticated-ness as close as possible. No out-of-characters for me, I assure you. I will do my best! Feel free to PM me for suggestions, advice, or just plainly go and talk to me! Thank you, readers!
"Golden Wings" - Roxas/Namine (KHII) "Let the Gullwings Sing" - Braska, Cid, Yuna (FFX) Hiatus/Discontinued?: "When In Rome" - Organization XIII (KHII) |


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Description: "to work with federal, state, and local partners to prevent acts of terrorism in Alabama, to protect lives and safeguard property, and if required, to respond to any acts of terrorism occurring in Alabama." See also Alabama State Agencies G-H
Captured 6 times between Oct 19, 2005 and Mar 16, 2009
Subject: preventing terrorism, emergency response
Creator: Alabama Department of Homeland Security
Publisher: Alabama Department of Homeland Security
Language: English
Type: Website
Collector: Alabama Department of Archives and History
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text:
Saturday, February 28, 2015
Featured Quizzes
Creepy Eggs
Use hard-boiled eggs to make this spooky and creepy eyes… your kids will love it!
At a glance
Main Ingredient
Cooking Method
Healthy Eating
Red food coloring
Sliced olives
Boil eggs and when they are done, crack them but do not peel them. Put them in a bowl of water with red food coloring. Leave in bowl for 1 hour. Peel eggs and they should look all "bloodshot". Cut them in half and set them down on the cut side so you are looking at the rounded side. Set one sliced olive on top and that is the "eyeball".
Additional Tips
Ready in 1 hour and 5 min


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Harry Kewell is certainly not a wasted talent according to Liverpool's Jamie Carragher.
The 33-year old played with the Socceroos star at Anfield between 2003 and 2008 when Kewell joined from Leeds United.
The Australian winger had massive expectations placed on him when he arrived on Merseyside but various reasons did not allow him to rise to those lofty heights.
But Carragher feels that Kewell, who recently finished a contract with Turkish club Galatasaray, has been unlucky throughout his career.
"I'm not sure about that," Carrgaher said when asked by au.fourfourtwo.com if Kewell is a wasted talent.
"He was unlucky with injuries and that the manager who signed him (Gerard Houllier) left a year later.
"He had bad injuries but the record books show that he started in a Champions League Final and an FA Cup Final and has the winners' medals to prove it.
"He had all the talent but I guess it didn't quite go for him here. It's a shame."


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Smith continues to earn praise in return
Thursday, January 16, 2014 at 5:15 AM | Comments
SANTA CLARA, Calif. -- After his return from a five-game leave from the team -- while he received treatment for substance abuse -- pass-rusher Aldon Smith has improved substantially.Since the playoffs have begun, the third-year star has been nearly unstoppable."Teams that want to block Aldon Smith one-on-one are whistling Dixie," 49ers coach Jim Harbaugh said Wednesday. "Therefore, he's getting quite a bit of double-team chips, help from the backs and the tight ends, and he's really playing well.


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Determinants of homeownership in Malaysia
The housing industry is crucial to the sustainable development in Malaysia. The efficiency and effectiveness of the housing delivery system requires housing provision for all. The housing industry, which had grown rapidly in the 1980s encountered property oversupply recently. The majority of these units remain unsold for reasons beyond price factor, ranging from poor location to unattractive houses. The main objective of this paper is to tackle property oversupply in the country by examining a detailed knowledge of home owning determinants. Homeownership should be encouraged as positive externalities of homeownership can be found in many housing surveys. Homeownership is a complex issue that is the result of many determinants, including housing characteristics (house types and property types), employment and income trends, socio-cultural and demographic descriptors. In addition to determinants, efforts needed to reduce regulatory barriers in the housing delivery system that can significantly increase the cost of producing houses. The government should make home financing more available and affordable by providing subsidies to low income families and creating incentives to save for homeownership. Efforts also needed to extend opportunities to enhance the affordability of homeownership by liberalizing rules and regulation of Employee Provident Fund (EPF) withdrawal.
If you experience problems downloading a file, check if you have the proper application to view it first. In case of further problems read the IDEAS help page. Note that these files are not on the IDEAS site. Please be patient as the files may be large.
Length: | |
Date of creation: | 16 Jun 2008 |
Date of revision: | |
Publication status: | Published in Habitat International 3.Vol. 3(2008): pp. 318-335 |
Handle: | RePEc:pra:mprapa:34950 |
Contact details of provider: | Postal: Phone: +49-(0)89-2180-2219 Fax: +49-(0)89-2180-3900 Web page: http://mpra.ub.uni-muenchen.de More information through EDIRC |
References listed on IDEAS
Please report citation or reference errors to , or , if you are the registered author of the cited work, log in to your RePEc Author Service profile, click on "citations" and make appropriate adjustments.:
- Edward L. Glaeser & Bruce Sacerdote, 2000.
"The Social Consequences of Housing,"
NBER Working Papers
8034, National Bureau of Economic Research, Inc.
- Glaeser, Edward L. & Sacerdote, Bruce, 2000. "The Social Consequences of Housing," Journal of Housing Economics, Elsevier, vol. 9(1-2), pages 1-23, March.
- Edward L. Glaeser & Bruce Sacerdote, 2001. "The Social Consequences of Housing," Harvard Institute of Economic Research Working Papers 1915, Harvard - Institute of Economic Research.
- Maki, Atsushi, 1993. "Liquidity Constraints: A Cross-Section Analysis of the Housing Purchase Behavior of Japanese Households," The Review of Economics and Statistics, MIT Press, vol. 75(3), pages 429-37, August.
- DiPasquale, Denise & Glaeser, Edward L., 1999.
"Incentives and Social Capital: Are Homeowners Better Citizens?,"
Journal of Urban Economics,
Elsevier, vol. 45(2), pages 354-384, March.
- Denice DiPasquale & Edward L. Glaeser, 1997. "Incentives and Social Capital: Are Homeowners Better Citizens?," Harvard Institute of Economic Research Working Papers 1815, Harvard - Institute of Economic Research.
- Denise DiPasquale & Edward L. Glaeser, 1998. "Incentives and Social Capital: Are Homeowners Better Citizens?," NBER Working Papers 6363, National Bureau of Economic Research, Inc.
- Coulson, N. Edward, 1999. "Why Are Hispanic- and Asian-American Homeownership Rates So Low?: Immigration and Other Factors," Journal of Urban Economics, Elsevier, vol. 45(2), pages 209-227, March.
- Aaronson, Daniel, 2000.
"A Note on the Benefits of Homeownership,"
Journal of Urban Economics,
Elsevier, vol. 47(3), pages 356-369, May.
- Daniel Aaronson, 1999. "A note on the benefits of homeownership," Working Paper Series WP-99-23, Federal Reserve Bank of Chicago.
- Green, Richard K. & White, Michelle J., 1997.
"Measuring the Benefits of Homeowning: Effects on Children,"
Journal of Urban Economics,
Elsevier, vol. 41(3), pages 441-461, May.
- Richard K. Green & Michelle J. White, 1994. "Measuring the Benefits of Homeowning: Effects on Children," Wisconsin-Madison CULER working papers 94-05, University of Wisconsin Center for Urban Land Economic Research.
- Richard K. Green & Michelle J. White, 1994. "Measuring the Benefits of Homeowning: Effects on Children," University of Chicago - George G. Stigler Center for Study of Economy and State 93, Chicago - Center for Study of Economy and State.
- Haurin, Donald R. & Kamara, Duewa A., 1992. "The homeownership decision of female-headed households," Journal of Housing Economics, Elsevier, vol. 2(4), pages 293-309, December.
- Bourassa Steven C., 1995. "A Model of Housing Tenure Choice in Australia," Journal of Urban Economics, Elsevier, vol. 37(2), pages 161-175, March.
- Donald R. Haurin & Toby L. Parcel & R. Jean Haurin, 2002. "Does Homeownership Affect Child Outcomes?," Real Estate Economics, American Real Estate and Urban Economics Association, vol. 30(4), pages 635-666.
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text:
BPZ Energy Provides First Quarter 2013 Financial Results And Announces Loan Amendments
For Block Z-1, Pacific Rubiales provided 100% funding for capital and exploratory expenditures of $22.8 million for the three months ended March 31, 2013. This includes approximately $7.2 million related to costs incurred in the design, fabrication, installation and pipeline connections related to the CX-15 platform, approximately $6.2 million related to the CX-15 platform development drilling program and $7.8 million related to the 3D seismic program. At March 31, 2013, the Company's remaining carry amount from Pacific Rubiales was $114.7 million.
Capital Resources
At March 31, 2013, outstanding long-term debt and short-term debt consisted of the 2015 Convertible Notes with a par value of $170.9 million, a $33.0 million secured loan, and a $29.1 million secured loan. At March 31, 2013, the current and long-term portions of debt were $24.6 million and $192.8 million, respectively.
Subsequent Events
On May 6, 2013, the Company obtained a waiver to the $75.0 million secured debt facility with Credit Suisse in respect of the Company's date for first production from the CX-15 platform. On May 9, 2013 The Company repaid the remaining outstanding principal of $30.5 million on the original $75.0 million secured debt facility. In addition, the Company amended and restated the $40.0 million secured debt facility by increasing the facility size and borrowing an additional $14.5 million, as well as amending the covenant and principal repayment amounts related to this facility which matures in January 2015. Conference Call Information The Company has scheduled a conference call and webcast to discuss first quarter 2013 results on Friday, May 10, 2013, at 10:00 a.m. CT (11:00 a.m. ET.) The live conference call may be accessed via the Investor Relations section of the Company's website at http://www.bpzenergy.com or by accessing the following dial-in numbers:US and Canada Dial-In: | (877) 293-5457 |
International Dial-In: | (707) 287-9344 |
Conference Code: | 58851427 |
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Book your room at Super 8 Milwaukee - Airport
Standard Room, 1 King Bed
Max Occupancy: 3 guests (up to 2 children, 2 infants)Standard Room, 2 Queen Beds
Max Occupancy: 5 guests (up to 4 children, 4 infants)Standard Room, 1 King Bed, Accessible
Max Occupancy: 3 guests (up to 2 children, 2 infants)Standard Room, 1 King Bed
Max Occupancy: 5 guests (up to 4 children, 4 infants)Suite, 1 Queen Bed
Max Occupancy: 5 guests (up to 4 children)Milwaukee hotel in South Milwaukee with free breakfast and free airport shuttle
Located in South Milwaukee, this hotel is 0.7 mi (1.2 km) from Mitchell Gallery of Flight and within 6 mi (10 km) of Alchemist Theater and Basilica of Saint Josaphat. Milwaukee Art Museum and BMO Harris Bradley Center are also within 9 mi (15 km).
Nearest Transport Options
Nearest Airports
Hotel Features
A spa tub, a 24-hour business center, and self parking are available at this hotel. Free continental breakfast, free WiFi in public areas, and a free airport shuttle are also provided. Other amenities include meeting rooms, laundry facilities, and a 24-hour front desk.
Room Amenities
All 116 rooms provide conveniences like sitting areas and refrigerators, plus free WiFi and cable TV. Microwaves, coffee makers, and free local calls are among the other amenities available to guests.
Information missing or incorrect? Tell us!Hotel Amenities
Hotel Amenities
Public areas are equipped with complimentary high-speed wired and wireless Internet access. Business-related amenities consist of a 24-hour business center and meeting rooms. A complimentary breakfast is offered each morning. 2 meeting rooms are available. A roundtrip airport shuttle is complimentary to guests (available 24 hours). This business-friendly hotel also offers a spa tub, laundry facilities, and an elevator (lift). Parking is available onsite for a surcharge.
- 24-hour business center
- Number of meeting rooms - 2
- Long-term parking (surcharge)
- Meeting rooms
- Total number of rooms - 116
- Number of floors - 3
- Number of buildings/towers - 1
- 24-hour front desk
- Free airport transportation
- Free breakfast
- Elevator/lift
- Free WiFi
- Laundry facilities
- Self parking (surcharge)
- Spa tub
- Free wired high-speed Internet
Family Friendly Amenities
- Free Wi-Fi
- Rollaway/extra beds available
- Laundry facilities
- Refrigerator
- Microwave
- Cribs/infant beds (complimentary)
Available in all rooms: Free WiFi
Available in some public areas: Free WiFi , Free wired high-speed Internet
Long-term parking (surcharge), Self parking (surcharge)
Room Amenities
- Air conditioning
- Private bathroom
- Desk
- Climate control
- Separate sitting area
- Rollaway/extra beds available
- Shower/tub combination
- Free cribs/infant beds
- Premium TV channels
- Microwave
- Refrigerator
- Coffee/tea maker
- Hair dryer
- Iron/ironing board
- In-room safe
- Cable TV service
- Free local calls
- Free WiFi
Where to Eat
Guests are offered a complimentary continental breakfast each morning.
Hotel Policies
Check-in time starts at 3 PM
Check-out time is 11 AM
Payment types
You need to know
Extra-person charges may apply and vary depending on hotel policy.
Government-issued photo identification and a credit card or cash deposit are required at check-in for incidental charges.
Special requests are subject to availability upon check-in and may incur additional charges. Special requests cannot be guaranteed.
- Self parking fee: USD 25 per week
- Rollaway bed fee: USD 5 per night


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text:
- Shopping Bag ( 0 items )
From the Publisher
"There is much to praise here. Lindberg manages to explore many keyevents, issues, people and developments in a very concise manner.The text is very strong on theology and institutions with helpfulhistorical context. I particularly appreciated the attention toRoman Catholicism as well as Protestantism in the modern period.The book is brief, but the history of Christianity is vividlyportrayed here in all of its drama and complexity." JeffTyler, Hope College"This is a wonderful book: accessible, concise, clearly written,and thoroughly absorbing. Lindberg has chosen to present theChristian tradition through the history of its principal ideas, butthese ideas are grounded in the flesh-and-blood reality of persons,their struggles for faith and for power, and the social andpolitical worlds they inhabited. Reflecting the author'serudition and wit, this cogent distillation of a complex past willserve beginners as an ideal introduction and old hands as athought-provoking synthesis." Christopher Elwood, LouisvillePresbyterian Theological Seminary


text:
5 Best Places to Buy Foreclosures in 2013
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Bathroom Biz is a home remodeling, improvement, repair and handyman company specializing in: Bathroom and kitchen remodeling, Tiling, Flooring, Tub/shower enclosures, Countertops, Cabinets, Drywall, ...
We are willing to travel within 120 miles of the So. Ca high desert.
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I am a freelance contractor who has been providing fine hand finish services for over 20 years.
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We have been servicing Ventura, Los Angeles, Orange County, Inland Empire and Desert Communities for over 20 years. And have 100's of repeat customers!!
Socal Preferred Builders specializes in kitchen and bathroom remodeling. We are designers and builders at heart. We love helping customers, and kitchen and bathroom remodeling is our specialty. In ...
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West Side Construction gives fast, great service in painting and drywall for all of Orange County. We have a great hands-on with our customer base.
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JLB Construction is a general contractor specializing in: Additions, Custom kitchens and bathrooms, Painting, Tile, Decks and a whole lot more
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Hi, I'm Julian Cox, an installer skilled in general construction, repair, painting and various flooring techniques.
Have your property back on the market as soon as possible. Contact us!
I also do custom painting, Venetian plaster, acoustic removal, drywall repair and handyman services! Presently, I cover the Los Angeles-San Diego areas.
We make sure that every painting project is done professionally, and that our customers can get quality results at really good prices.
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We offer tree care and cleaning services starting from $50 and up (depending on the job). We are open from Mondays thru Fridays, 8 AM10 PM, and on weekends, 8 AM3 PM.
I am a painter with 10 years of experience doing outside and inside painting as well as drywall, acoustic ceiling removal, and match texture. I also do stain, and I have my own tools and my own truck.
I do professional painting and textile jobs in the area of Orange County. From residential housing to commercial work places, we do it all. Interior and exterior paint jobs done as wished.
We want to make it simple for you and want to become the resource you always turn to.
Since 1968, we have been providing our unique painting services. We can paint artistically (like murals, finishes, marbling, etc.) on surfaces such as textiles, walls, cement floors, furniture, ...
Patriotic Painting is a licensed painting contractor in California that offers painting services for commercial and residential applications.


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See your green on these designs right now!
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Please confirm that the link referenced below is the one that is broken or needs to be updated. If confirmed, please complete the remaining boxes in the form below, then click on the button to send the update to us.
Title of the Link399Retouch - Photo Restoration Service
URL (address) for the Linkhttp://399retouch.com/photo-restoration-service.html


text:
KITCHEN SCOOP: SangriaThis week Alicia makes homemade sangria that's perfect for summertime entertaining. Disclaimer: Comments posted on this, or any story are opinions of those people posting them, and not the views or opinions of WWAY NewsChannel 3, its management or employees. »SangriaSubmitted by Leslie Cornell (not verified) on Fri, 07/20/2012 - 9:10pm.
I saw the video on the evening telecast, but I need the amounts of each ingredient. I'm not good at estimates. Please post the written recipe. »
Sangria for Summer 2 bottlesSubmitted by Scott Pickey on Mon, 07/23/2012 - 10:21am.
Sangria for Summer 2 bottles (750 ml each) dry red wine* In a one-gallon pitcher or other container, combine wine, frozen lemonade concentrate, rum, Triple Sec, and orange juice. Slice lemon, and add. Stir well and refrigerate until chilled through, at least 2 hours. Just before serving, stir in ginger ale. Serve over ice, in wine glasses, garnished with orange slices, if desired. »
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Product & services pricing | 10.00/10 | |
Chance of future purchase: | 10.00/10 | |
Shipping & packaging: | 10.00/10 | |
Customer service: | 10.00/10 | |
Return/Replacement policy: | 10.00/10 |
Kudos to biketiresdirect for resolving the issue i raised. Talk about commitment to excellence. The manager, Chris was communicating with me even on thanksgiving.
Although my experience didn't start great. At the end, it warranted to revise my rating to five stars.
Update: 11/27/2014
Received an email from the manager espressing apologies that returned items may have foung their way back to bnew inventory and sold as bnew price.
I'll update my review once the issue is fully rectified.
I just received my order and biketiresdirect.com should be ashamed of themselves.
I received a returned item sold by their site as brand new. I know this for a fact because i know how shimano packaged their product.
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This property is unavailable.
This is the fee charged by Airbnb
This is the fee charged by Airbnb and includes VAT
A special and unique place in La Fortuna. Our Hotel is a true tropical paradise surrounded by large tropical gardens filled with beautiful native Costa Rican plants and plenty of room to tan.
Contact Host
Space where guests can cook their own meals
Towels, bed sheets, soap, and toilet paper
Central heating or a heater in the listing
In the building, free or for a fee
Continuous access in the listing
Breakfast is provided.
The listing can accommodate a gathering of 25 or more attendees
Easy access to the building and listing for guests in wheelchairs
Private or Shared
Free, in the building or nearby
Posted emergency information and resources
The Space
We have many hammocks around the gardens to enjoy and relax in. We have a huge natural flowing river to the rear of our property and spectacular views of Arenal Volcano.
Manager lives on site. So, if you have any questions He's here to help.
Typical Tico neighborhood. Can occasionally get noisy during the day, especially during soccer games, but people quiet down by 10:00 pm
If you arrive early you are welcome to leave your bags in the office, until your room is ready.
Our location is perfect near all in town, where you can relax, 4 km from the La Fortuna waterfall where you can hike down and really enjoy the impressive size of the waterfall, also swim if you like. 1 km from the famous hot springs of la fortuna where we do daily shuttles so you don't have to worry about transport to and from the hot springs .... Hotel Mayol Lodge is truly the best place to stay in La Fortuna and will really give you that tropical fresh feel that you except from Costa Rica. Enjoy our hotel activities like Salsa lessons, FREE barbecue grill in some of nights, live music, sport games and more . . All extra activities and tours to be found in La Fortuna Eg: white water rafting, horseback riding, volcano tour, waterfall repelling, ziplining and many, many more can all be booked with us at the hotel and they will collect you directly from the hotel. I don't need to Photoshop, touch up, use words that aren't really true, fake it or any of the other gimmicky tactics people use to get you to book..... just come here....... and then you'll understand why I love and enjoy here and moreover, want to share it with YOU.
See you soon in Mayol Lodge Your hosts, Nhorlan and Kerth.
Guest Access
Tours around arenal volcano Horseback riding tour Canopy tour Hanging Bridges Hot Springs and more
Interaction with Guests
We do a barbecue grill on some nights to bring guests free food, music and good atmosphere with the other people in the hostel. A place to do friends and enjoy! We are flexible to do differents things!
The Neighborhood
Friendly Honest Safe They are flexible to do differents things!
Getting around
Public transportation comes to La Fortuna from San José. You can also take a shuttle if you do not rent a car. There are also flights arriving in El Tanque, and is located 20 minutes from La Fortuna. If you come from Monteverde, the cheapest way is to book a jeep-boat-Jeep may be left in the hotel If coming from other areas, there are good transport companies such as Interbus, Gray Line, Eagle Tours, CR Ride, Adventure Challenge, Montezuma Expeditions. They will not leave the apartment, but Rabfer Arenal is located only 200 meters away, so you can make reference to that hotel to be left there, and then walk a bit.
Estimated duration from San Jose: By car: 3-4 hours Shuttle service: 3 hours Public bus: 6 hours By flight: 40 minutes
Other Things to Note
Near Nature and 1 km from Rock Pools 1KM from hot springs 300MTS from restaurantes Next to a supermarket
Enjoy all time your stay in Hotel Mayol Lodge A PLACE TO ENJOY A MAKE NEW FRIENDS
Near nature, near Arenal Volcano, and La Fortuna Town
Attractive and clean accommodations in a great location in La Fortuna. Very friendly and helpful staff.
Good bed, good room. Good service. good swimmingpool, nice place right in town. too bad that there was no kitchen available altough it was mentionned on the ad. We had our stuff to cook bought but couldt cook it.
I used instant book and upon arriving they did not have any rooms :/ However, they were super helpful and had a hotel just down the street (a very nice hotel BTW) lined up for us within minutes. Very good customer service!
I can't say anything to the hotel stay or experience, but the service was very good.
Get ready to have an exclusive stay inside a shady nightclub/outdoor car garage/chicken farm! almost the entire night you will hear gangster music at full blast and in the wee hours of the morning its easy listening with hard rock n roll music. The roosters live on the windowsill of the room. They say they have airconditioning.. we have pictures that say otherwise, they say they have tv, the tv is non-functioning, they said they had hot water showers, if you change the definition of agua caliente to cold water inside your body penis, then yes i agree. This place is perfect for that suicidal friend that is on the fence and just needs that little push over the top.
Service was a solid meh.
We complained about all the missing amnenities and airbnb refunded us, im only happy with airbnb.
Stay away from this place if you enjoy life and sanity remains important to you.
Doina (cliente que se alojó) ha hecho un muy buen comentario de este hotel, le ha gustado la ubicación ,los jardines. Las piscinas, no le ha gustado el ruido que se produce en el hotel, cree que el precio que cobra el hotel debe incluir desayuno, pero en general ha disfrutado de su estadía, ella está muy agradecida con el personal y la atención que ha recibido del personal ha sido excelente .
It was funny and just as expected the hosts are nice. Not much English spoken but it was a good night. They had A/C and a good kitchen.
Arenal Volcano Hostel Lodge is not great. When we got there, they didn't have our reservation from airbnb, but there was still a room available for us. (which is good, because we had already paid!) The positive things about this place were that the room was large and clean and had air conditioning. We had our own bathroom - which was enclosed by a shower door that did not go all the way to the ceiling. Although we had a shower, we did not have hot water. This place was also a little ways outside of the town of La Fortuna, but it was a pleasant walk. Frank was very helpful with tours and booked us a jeep-boat-jeep to Monteverde. I would recommmend this the Arenal Volcano Hostel Lodge for someone who doesn't mind walking a bit and sleeping on a budget.
This host has 1 review for other properties.
PURA VIDA, COSTA RICA. Enjoying the ride!
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What does ICE mean in General?
This page is about the meanings of the acronym/abbreviation/shorthand ICE in the Business field in general and in the General terminology in particular.
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What does ICE mean?
- ice, water ice(noun)
- water frozen in the solid state
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"ICE." Abbreviations.com. STANDS4 LLC, 2015. Web. 6 Mar. 2015. <http://www.abbreviations.com/term/142177>.
ICE also stands for:
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Local Veterinarians in Your Area
19203 Aurora Ave N, Shoreline, WA 98133
A full service veterinary center focusing on All the needs of cats, with progressive feline medicine, spacious townhouse boarding and a cat-centric retail store. Our doctors have chosen to focus their medical careers on caring for cats. Why? Because cats are their passion and by focusing on one
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Welcome to health care for your pets the way it should be. You can choose to experience the personalized and comprehensive care that we provide in the comforts of your own home, or in the beautiful modern facility we have created with your pet's comfort as a priority. Call us today to make an
11828 Slater Ave NE # 100, Kirkland, WA 98034
About Us: We are a full service Kirkland veterinary hospital (voted Best Kirkland Vet, 2010 by Komo 4) serving the Kirkland, Bellevue, Redmond, Woodinville and Bothell communities. Our veterinarians and dedicated support staff provide quality general medicine, as well as expertise in surgery,
view deal23632 Highway 99, Edmonds, WA 98168
Full-Range of Pet Vaccination Services. Call Us in Seattle Today.
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We're more than an animal hospital! We're the place where pet parents know they can bring their pets for superb veterinary care that sets new standards for quality and kindness. For pets and pet parents alike, a trip to our clinic is an opportunity to see how our neighborly, welcoming staff cares
11401 NE 195th Street, Bothell, WA 98011
The Center for Bird and Exotic Animal Medicine is an exclusive bird and exotic animal veterinary hospital with the expertise to confidently and competently care for all species of non-traditional pets located near Seattle, WA. Our doctors are specially trained in bird and exotic animal medicine.
2115 112th Ave NE # 100, Bellevue, WA 98004
Traditional and Holistic Veterinary Service with a unique Animal Hospital facility which offers a wide range of Veterinary care services for small animals such as dogs, cats, ferrets, chinchillas, rabbits, and rodents. We not only treat animals naturally but also provide education to pet owners
view deal1105 Bellevue Way, Bellevue, WA 98004
Welcome to the Cat Care Clinic! We are family owned and operated with over twenty years experience as a leading Veterinary Internal Medicine, Surgery, and Boarding facility, exclusively designed for you and your cat. As Cat Care specialists, we provide the highest quality of advanced
17845 Garden Way NE, Unit 11, Woodinville, WA 98072
Banfield is a convenient, affordable and wise choice for all of your Pet's healthcare needs. We take an innovative and caring approach to healthcare that enables us to consistently provide Pets with the same level of care we want for ourselves. In keeping with our commitment to quality, each
17954 Woodinville-Snohomish Rd, Woodinville, WA 98072
We're more than an animal hospital! We're the place where pet parents know they can bring their pets for superb veterinary care that sets new standards for quality and kindness. For pets and pet parents alike, a trip to our clinic is an opportunity to see how our neighborly, welcoming staff cares


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Do you love the idea of running around a park with thousands […]
by T. D. Jakes
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Forgive and forget. It should be easy to do--so why don't we do it? The father who wasn't always there for us. The mother who punished us. The spouse who betrayed us. The children who will leave us behind. Whoever and whatever the source of hurt, there is always a path to forgiveness. But too often, instead of forgiving, too many of us live with resentments and grudges that keep us stuck, robbing our days of joy, peace, and purpose. In "Let It Go," bestselling author and pastor to a flock of millions T.D. Jakes shares the wisdom and guidance necessary to release a lifetime of hurt and anger and move on with the joyful business of living.
Revealing the essential secrets to leading an emotionally vital and spiritually healthy life, Jakes gently teaches the art of forgiveness as a daily practice. In order to practice forgiveness, he explains, we must first learn new styles of conflict resolution and new forms of anger management. To that end, he shows us how to recognize offenses when they come, establish boundaries, encourage purity of heart, develop trust, recover from hurts faster, and forgive ourselves for the rest of our lives. As unconditionally loved children of God, he attests, we are all forgiven. Through grace, we can forgive ourselves and the people around us. In this way, says Jakes, we can live the happy and fulfilled life intended for us.
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Deep inside the dramatic subpolar fjords of Antarctica, researchers from the University of Hawai'i at Mānoa have discovered an unexpected abundance and diversity at the seafloor. During a recent expedition, UH scientists for the first time studied the seafloor communities of glacier dominated fjords along the west Antarctic Peninsula, a region undergoing very rapid climate warming. The scientists expected to ... Read More »
Author Archives: kaunana
Feed SubscriptionMolokai student: Floating nests for endangered Hawaiian Coot
The University of Hawaiʻi at Mānoa College of Engineering and its Hawaiʻi Center for Advanced Communications (HCAC) are supporting a Molokaʻi High School student in her efforts to protect Hawaiian wildlife. Sarah Jenkins, a junior at Molokaʻi High, has already received recognition for her strong commitment to protecting Hawaiian endangered birds. She placed second overall at the 54th annual Maui ... Read More »
Subaru Telescope reveals growth of galaxies in the early universe
Using the Fiber-Multi-Object Spectrograph (FMOS) mounted on the Subaru Telescope, a team of astronomers participating in the Cosmological Evolution Survey (COSMOS) has found that galaxies, over nine billion years ago, provided a nurturing environment for the birth of new stars at remarkable rates while doing so in an orderly manner. "FMOS has clearly revolutionized our ability to study how galaxies ... Read More »
Antarctic Search for Meteorites (ANSMET) – The hunt begins
Manavi Jadhav, a postdoctoral scholar in the Hawai'i Institute of Geophysics and Planetology, is one of eight meteorite hunters who has recently landed at McMurdo Station, Antarctica, for the 2013/2014 Antarctic Search for Meteorites (ANSMET) mission. Writing in the team's blog on December 6, Jadhav had this to say about their first day at McMurdo: Today was a hectic but ... Read More »
An ecosystem-based approach to protect the deep sea from mining
Five hundred miles southeast of Hawai'i, in international waters far out of sight of any land, there are vast mineral resources 5,000 meters below the sea. Manganese nodules, rich in commercially valuable mineral resources including nickel, copper, manganese, cobalt and rare-earth elements, overlay a broad swath of the deep-sea floor. It took millions of years to form these deposits. The ... Read More »
[VIDEO] Giant World War II aircraft-carrying submarine discovered off Oahu coast
A World War II-era Imperial Japanese Navy mega-submarine, the I-400, lost since 1946 when it was intentionally scuttled by U.S. forces after its capture, has been discovered in more than 2,300 feet of water off the southwest coast of O'ahu. The discovery resolves a decades-old Cold War mystery of just where the lost submarine lay, and recalls a different era ... Read More »
[VIDEO] Margo Edwards on ThinkTech Hawaii
Margo Edwards appeared on Jay Fidell's ThinkTech Hawaii show on December 2, 2013. She discussed the University of Hawai'i's Unmanned Port Security Vehicle, a robotic platform designed to support maritime missions in harbor and port environments including infrastructure inspection and incident response and recovery, and harbor surveillance. Read More »
Achieving Smart Growth in 'Ewa, Hawai'i
A University of Hawaiʻi Sea Grant College Program (UH Sea Grant) article on smart growth and community design in 'Ewa, Hawaiʻi, is the featured story on the National Sea Grant Office website. View the full article here. "What we do on land directly impacts the ocean, making sustainable development critical to coastal ocean health," said Kathryn R. MacDonald, communications specialist in the National ... Read More »
[VIDEO] Patty Fryer and Bruce Howe on ThinkTech Hawaii
Patty Fryer and Bruce Howe appeared on Jay Fidell's ThinkTech Hawaii show on November 25, 2013. They discussed deep sea exploration. Read More »
Astronomer Donald Hall named AAAS Fellow
Dr. Donald N. B. Hall of the University of Hawai'i at Mānoa has been named a Fellow of the American Association for the Advancement of Science (AAAS). Election as a AAAS Fellow is an honor bestowed upon AAAS members by their peers. As part of the astronomy section, Hall was elected as an AAAS Fellow "for distinguished contributions to ... Read More »


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Posts Tagged ' Patty Griffin '
Rocky Mountain Folks Festival: Colin Meloy, Charles Bradley and more (photos, review)
By Candace Horgan | August 19th, 2013 | No Comments »Robert Plant takes a break from folk for trip-hop, psych rock
By Ricardo Baca | July 5th, 2013 | No Comments »Rocky Mountain Folks Festival 2013 lineup headliners announced: Colin Meloy, Patty Griffin and more
By Ricardo Baca | March 28th, 2013 | No Comments »SXSW 2013 Friday review: Green Day, Alt-J, Patty Griffin, Laura Mvula and more
By Ricardo Baca | March 16th, 2013 | 1 Comment »Swallow Hill Rootsfest to bring Patty Griffin and Todd Snider to Denver
By Ricardo Baca | September 17th, 2012 | No Comments »Rocky Mountain Folks Festival @ Planet Bluegrass Ranch
By Jeremy Simon | August 21st, 2008 | No Comments »[photopress:snider2.jpg,full,pp_image] Despite the rain, the Rocky Mountain Folks Festival in Lyons attracted the musically faithful last weekend. Photos by Candace Horgan. Imagine the plight, last weekend, of the folk festivarian. You show up Thursday, wait for hours to get a number that will gain you access to the onsite camping area, drive to the camping area, carve out a small patch of a ground, set up, and wait till tomorrow for the festival's musical lineup to begin. By that point, the weekend's hard, steady downpour—42 […]


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The Style Gallery is a great new way for you to view, love, and share outfit photos. It's meant to showcase all the expressive, creative, and inspirational personalities of our community!
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Success can be just as detrimental as failure if you allow yourself to slack off immediately afterwards. This Babe Ruth quote is a great reminder of how you shouldn't coast too much after achieving a goal. » 4/01/13 1:30pm 4/01/13 1:30pm
If you want guaranteed results, do nothing—you'll be guaranteed nothing in return. But that's no way to succeed. Author Ben Nesvig writes about his experience with risk and reward. » 7/10/12 7:00am 7/10/12 7:00am


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the PDF Map
(Requires Adobe Acrobat Reader)
Harrison to Cardwell
Location: Near Ennis This ride starts in Harrison, located 35 miles north of Ennis, a popular
outfitting location for Madison River flyfishing trips. If you have extra time on your hands, make the six-mile side trip - by bike
or by car - from Harrison southwest to the old mining town of Pony. You can
also find the crumbling remains of the Morris & Ellings Gold Stamp Mill.
Type: Road Ride (with some graded gravel)
Rating: Experienced
Mileage: 15 miles
The ride is predominantly downhill as described. If you're looking for more
of a workout, simply do it in the other direction, from Cardwell to Harrison.
The rural setting encompasses ranches and log yards, as well as close-up views
of rugged, desert-like slopes and long-range vistas of the grand Tobacco Root
- Links
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©2014 Montana Office of Tourism


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Learning about cultures through cookies including recipes for date and walnut thumbprints, hamantaschen, ma'amul, and koloocheh.
Archive | Cooking Classes RSS feed for this section
A Taste of Jerusalem: Beyond Hummus and Pita
Join me and Sarene Wallace for a demo and tasting of Israeli cuisine this Sunday March 9 in Los Gatos called A Taste of Jerusalem: Beyond Hummus and Pita
Tasting Jerusalem: Food Adventures in 2013
Join me on new food adventures in 2013 including a virtual cooking group Tasting Jerusalem to explore Middle Eastern Cuisine via Jerusalem: A Cookbook (Twitter: #TastingJrslm)
Welcome to OMG! Yummy
I'm Beth - a seasoned marketing professional, food writer, and enthusiastic food consumer. Join the conversation as I blend and stir ingredients, stories, and memories in my kitchen, inspiring you to do the same in yours.


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Patrick Anderson
Karin Slaughter's Fractured is a superior crime novel because Slaughter writes well on several levels. It's first and foremost a police procedural that describes in impressive detail efforts to find the person or persons who killed one Atlanta teenager and kidnapped another. The investigators are tormented by thoughts of the horrors that rich, attractive, 17-year-old Emma Campano may be suffering as the hours pass. But more than most crime novelists, Slaughter is also interested in relationships, and she describes many complex ones among her characters. Finally, Slaughter, who has lived in Atlanta for a number of years, gives a sense of that city's people, mood and history. All this adds up to a crime novel that is denser, more challenging and ultimately more rewarding than most.—The Washington Post


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ShutterstockHarvard University esterday revealed that it was investigating 125 students in what it called "the most widespread cheating scandal"in campus history.
When something like this happens at Harvard, it makes national news. But cheating scandals are not infrequent on college campuses.
We decided to take a look back at some others.
Allegations of a plagiarism ring at Harvard are only the beginning.
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