text:
What to do with boneless chuck steak?
- 7
- Follow
I've never purchased this cut. It's on sale for $1.77 lb this week so I'm willing to try using it.
Chuck steak is just a thinner cut of chuck roast. Best braised, but if marinated or tenderized it can be broiled. If cooked very slowly, it can be BBQ'd. Tasty cut, but can be tough.
0 -
This time of year, instead of stew, I'd use it for kebabs. Cut into cubes, marinate, thread onto skewers, alternating with vegetables, and cook on grill.
0 -
re: widehomehi
I really like that Mexican technique of adding water to meat, let cook down and then let it brown in its fat at the end. I was mystified cooking pork for the first time this way, but yum! It cooks in its own fat and becomes the essence of porkiness.
re: NYchowcook
dice it rather small and make chili, moist heat for an hour or two will tenderize it nicely, a very nice flavorful cut of meat for this purpose. I try to find prime chuck which has lots of yummy marble.


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http://fightnetwork.com/ - Fight Network's Robin Black breaks down Luke Rockhold & Michael Bisping ahead of their grudge match at UFC Fight Night 55 utilizing footage from archived bouts on UFC Fight watch video >>
UFC Fight Night 30 Machida vs Munoz Predictions- Saturday October 26th 2013UFC Fight Night 30 Machida vs Munoz Predictions- This Episode of the show covers Predictions for the 6 main card Fight watch video >>
Michael Bisping takes on Luke Rockhold at UFC Fight Night 55 on November 8th at the Allphones Arena in Sydney, Australia watch video >>
Luke Rockhold and Michael Bisping traded verbal shots to promote UFC Fight Night 55 in Sydney. Subscribe: http://www.youtube.com /subscription_center?add_user=mmafightingonsbn Check out our full v watch video >>
SUBSCRIBE for more! - https://twitter.com/SubmissionAus Keys to Victory for Michael Bisping vs Luke Rockhold UFC Fight Night 55 Sydney Australia- simulated in EA Sports UFC aka EA UFC UFC Fight Nigh watch video >>
Luke Rockhold and Bisping battle at UFC Fight Night 55 while Mauricio 'Shogun' Rua headlines UFC Fight Night 56 this weekend. Rua must prove against Ovince St. Preux he can still compete with the UFC watch video >>
http://fightnetwork.com/ - Fight Network takes a look at the UFC Fight Night 55 main event from Sydney, Australia featuring former Strikeforce middleweight champion Luke Rockhold and Michael Bisping. watch video >>
SUBSCRIBE - https://twitter.com/SubmissionAus The full Press Conference from UFC Fight Night 55 Rockhold vs Bisping in Sydney Australia, featuring Luke Rockhold, Michael Bisping, Ross Pearson, Al Iaq watch video >>
SUBSCRIBE - https://twitter.com/SubmissionAus The Highlights from the Michael Bisping and Luke Rockhold weigh in before UFC Fight Night 55 Rockhold vs Bisping in Sydney Australia. UFC Fight Night 55 watch video >>

subset: commoncrawl


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Deutsche Post World Net
Deutsche Post AG (FWB: DPW), operating under the trade name Deutsche Post DHL, is the world's largest logistics group. With its headquarters in Bonn, the corporation has 470,000 employees in more than 220 countries and territories worldwide and generated revenue of € 63.5 billion ($ 97.8 billion) in 2007. Deutsche Post is the successor to the German mail authority Deutsche Bundespost, which was privatized in 1995. Currently, 30.5% of its shares are held by the state-owned KfW bank, 69.5% are freely floating; 62.8% of which are held by institutional and 6.7% by private investors. Since its privatization, Deutsche Post has significantly expanded its business area through acquisitions. Deutsche Post is listed in the DAX stock market index.
Source: Wikipedia
Campaign Finance
$22,700 GivenFigures are based on itemized contributions reported to the Federal Election Commission and state agencies. Please note that:
- contributions under $200 are not reported, and so are not included in totals.
- only contributions from individuals and organizations to candidates are included. Various accounting measures and more exotic contribution types are excluded.
- contributions are matched based on organization and recipient name reported within each election cycle. Contributions using an incorrect or non-standard version of the name may be missed.
- corporate name changes and mergers may cause figures to differ from those of the Center for Responsive Politics.
- organization totals include known subsidiaries of the organization.
For more information, please see our campaign finance methodology page. Lobbyist bundling data is described on our lobbyist bundling methodology page.
state-level data is not available in bulk for 2014. for current state data, browse http://followthemoney.org/
Top Recipients
- PAC Color Block
- Organization's PAC(s)
- Employee Color Block
- Associated Individuals
Republicans vs. Democrats
in dollars -
State vs. Federal
in dollars -
Top PAC Recipients
- PAC Color Block
- Organization's PAC(s)
- Employee Color Block
- Associated Individuals
$3,192,749 SpentFigures are based on lobbying activity reported to the Senate Office of Public Records. Reported dollar amounts are required to be accurate only to the nearest $20,000. For organizations whose primary business is lobbying, we display total income and top clients. For organizations that are not primarily lobbying firms, we display total amount spent on lobbying and top lobbying firms hired.
For more information, please see our lobbying methodology page.
Lobbying on Behalf of Deutsche Post World Net
Names of Lobbyists
Firm Hired Amount Deutsche Post World Net $2,747,749 -
Most Frequently Disclosed Lobbying Issues
- Transportation,
- Homeland Security,
- Trade,
- Postal,
- Aviation, Airlines & Airports,
- Trucking & Shipping,
- Finance,
- Food Industry,
- Labor, Antitrust & Workplace,
- Computers & Information Tech
Most Frequently Disclosed Bills
Bill No. Title H.R.1 Implementing the 9/11 Commission Recommendations Act of 2007 H.R.173 Anti-Terrorism and Port Security Act of 2005 H.R.658 FAA Reauthorization and Reform Act of 2011 H.R.763 Safe and Efficient Transportation Act of 2011 H.R.1320 Secure Borders Act H.R.1447 Aviation Security Stakeholder Participation Act of 2011 H.R.1653 To amend the Tariff Act of 1930 to increase the dollar amount requirements for articles and merchandise under the administrative exemptions and entry under regulations provisions of that Act.
Mentioned in 13 dockets; Submitted to 1 docketAll data is based on documents downloaded from Regulations.gov. The first table shows mentions: all documents that include the name of the company anywhere in the document or document metadata. The second table shows submissions: all documents where the submitter metadata included the company name. Each table shows the top 10 dockets, ranked by number of occurrences.
Matches are based on a search for the company name. Variations in the company name, such as acronyms, nicknames or alternate names may cause documents to be missed. The mention of a company name in a document may be incidental and does not necessarily indicate that the company has any relevance to the document. Company names that are common English words may erroneously match with text that is not referring to the company.
Not all agencies submit public comments to Regulations.gov. For a list of participating and non-participating agencies see here. Agencies that do submit to Regulations.gov have varying levels of accuracy and completeness.
Regulations and public comments can be downloaded in bulk here.
The tables show occurrences of "Deutsche Post World Net" in public comments on proposed federal regulations.
Documents Submitted by the Organization
View all submissions data for Deutsche Post World Net
Mentions in Document Text
View all mentions data for Deutsche Post World Net


text:
Follow Weeds
Silas Botwin Photo
Around the Web
- Photo Credit:
- Pending
- Show:
- Weeds
- Episode:
- Weeds Season 5 Episode 2: "Machetes Up Top"
- Character:
- Silas Botwin
- Related Photos:
- Weeds Photos, Weeds Season 5 Episode 2 Photos, Silas Botwin Photos
- Related Post:
- Uploaded by:
- Matt Richenthal
- Uploaded:
Weeds Season 5 Episode 2 Quotes
Nancy: You're religious?
Cesar: Selectively
Nancy: Right, the whole thou shalt not kill thing probably isn't work out that well for you, huh?
Cesar: and I support gay marriage
- Permalink: You're religious? Selectively Right, the whole thou shalt no...
- Added:
Nancy: If something happens to me, you'll take care of this for Silas and Shane
Dean: If something happens? Where you going, skydiving?
Nancy: None of your business. Just make sure it all gets taken care of. I'm counting on you
Dean: Out of curiousity and of coruse self image, why me?
Nancy: Cause I trust you. Cause you're a parent. Cause you're the only person i could find on such short notice
- Permalink: If something happens to me, you'll take care of this for Silas a...
- Added:


text:
Honeydogs Lyrics
Overview / Lyrics (see all) / Photos / Videos / News
The Rake's Progress Lyrics
(No other information is available for this lyric - would you like to add something today?)
show more
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What chart rank did the song debut? What is the song about? Has it won any awards?, etc.
Thank You
Your introduction will appear once it has been deemed awesome by our team of wizards.
Featured Video
12 Hit Songs You Won't Believe Were Passed Up By Other Artists
12 Hit Songs You Won't Believe Were Passed Up By Other Artists
Artist Gallery
Hot Songs
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- Latest Lyrics
- Ice Lyrics by Kelly Rowland
- Blurred Lines Lyrics by Robin Thicke
- Innocent Lyrics by Taylor Swift
- Fuckin' Perfect Lyrics by Pink
- Rocketeer Lyrics by Far East Movement
- Moment 4 Life Lyrics by Nicki Minaj
- Kiss Tomorrow Goodbye Lyrics by Luke Bryan
- Turn Up The Love Lyrics by Far East Movement
- Im Goin In Lyrics by Drake
- Find Your Love Lyrics by Drake
- After Midnight Lyrics by Blink 182
- I Hit It First Lyrics by Ray-J
- The Harold Song Lyrics by Kesha
- Fall In Love/Lie Lyrics by Inna
- Ill Mind Of Hopsin 5 Lyrics by Hopsin


text:
byRick Whiting on
Lenovo Earnings Soar As Tablet, Smartphone Sales Outpace PCs
While the rest of the PC industry remains in a profound slump, Lenovo continues to buck the trend.
Lenovo, already the world's No. 1 PC maker, reported a 9.7 percent increase in revenue to $8.79 billion in its first fiscal quarter. Most of that growth came from sales of Lenovo tablet computers and smartphones, which collectively increased 105 percent in the quarter. The company is now the world's fourth largest smartphone seller, and mobile devices account for 14 percent of its total revenue.
Laptop computer sales, which account for 52 percent of Lenovo's revenue, increased 4.7 percent. Sales of traditional PCs were flat -- but that's in a market where world PC shipments were down 11 percent, according to market researcher IDC. In a shrinking market, "flat" is the new "up."
As solution providers position themselves for growth, the pressure is on vendors and distributors to meet their partners' needs. Here CRN presents the 2015 Channel Chiefs, our annual look at the executives responsible for running channels at today's IT vendors.
Here are 10 recent searches by CRN visitors.
Cloud 100


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Find an Internship or Volunteer in Paincourtville, Louisiana ( LA )
If you're looking for internships or volunteer work in Paincourtville, Louisiana or even to get a summer job, you've come to the right place! With over 30,000 around the county, chances are that GrooveJob.com has the right job for you and wants to be your only source for finding internships and volunteer positions in Paincourtville, Louisiana.
We've got plenty of intern and volunteer work in Paincourtville, Louisiana. Check out the list of employers below who have positions in Paincourtville. Remember to check back with Groovejob.com on a regular basis. We add new internships and volunteer jobs listings to our database every week, so you'll find new opportunities every time you check back with us.
Browse by Employer (Click On Logos) | ||
Click for Intern or Volunteer at SEAWORLD ADVENTURE PARK | Click for Intern or Volunteer at INROADS | |
Jobs by Title | Location | Company | Posted |
Pipeline Instrument/Electrical Internship - Louisiana …presentation Regular interface with Engineering, Craft Support Team and Operations personnel Each intern will be assigned to a contact... | LA | 2/15/2015 | |
Python Intern (Paid) Juju is looking for a Paid Intern with a strong knowledge of Python. Initial responsibilities will be writing and maintaining XML... | Paincourtville, LA | 2/5/2015 | |
Community Store Management Internship …is different, and how far you go is up to you. Our step-by-step Community Management Internship Program equips you to become a... | Paincourtville, LA | 2/26/2015 | |
Community Pharmacy Internship One of Walgreens most exciting paths to becoming a pharmacy professional is our internship program. This program will provide you with... | Paincourtville, LA | 12/6/2014 | |
<< First < Previous 1 Next > Last >> |


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Asslamo Allaikum, I have read on a Salafi forum by some Sufees that they can provide pictures of Shaykh attending Sufi gatherings. Is this true? How about this article? http://www.washingtonpost.com/wp-dyn/content/article/2006/05/01/AR2006050101380.html
Wa alaikumussalaam, So what if he has? Seriously akhi, what's the big deal. There's no proof that he indulged in a 'hadhra' or in questionable practices. All he did was attend a gathering. People shouldn't conflate issues.


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Wet 'n' Wild Color Icon Palette - Comfort Zone
482 reviews
87% would repurchase
Package Quality: 3.1
Price: $
Package Quality: 3.1
Price: $
Age: 25-29
Skin: Acne-prone, Fair-Medium, Not Sure
Hair: Brunette, Other, Other
Eyes: Green
This is a beautiful palette with a gorgeous duochrome and interesting mix of neutrals. A little bit of fallout on the darker shades, but overall the texture is buttery, highly pigmented, and flattering on multiple skin tones.
Age: 19-24
Skin: Sensitive, Fair-Medium, Warm
Hair: Black, Curly, Medium
Eyes: Brown
If you are a neutral eyeshadow lover, then this palette is one that needs to be in your collection! The eyeshadows are all beautifully pigmented and its an awesome palette to have for creating everyday looks. Love!
Age: 25-29
Skin: Combination, Fair, Neutral
Hair: Blond, Wavy, Medium
Eyes: Green
Absolutely outstanding deal for the price. Wow. I was in love with UD's Lounge eyeshadown, then saw this palette online in a makeup blog review (where it received high marks), and had to get it. The duochrome shade is incredible, goes between flashing a reddish brown to a shimmery teal...gorgeous. The pigmentation on all of these, save the dark brown, is excellent, and the dark brown is sheer enough to be buildable. Some WNW stuff is a miss, but this is an insane hit.
Age: 25-29
Skin: Combination, Tan, Warm
Hair: Black, Wavy, Medium
Eyes: Brown
Click continued to view pictures/swatches. These pictures belong to my blog: http://melliecay.blogspot.com . Please don't steal!
This is hands down my favorite drugstore palette for everyday eye shadow. I pack this in my traveling bag every time because of the versatility of this palette. The eye shadows have a great range and are suitable from day to evening wear. I'll start with the left side of the palette. The brow bone is a beige shimmery/frosty shadow. It reminds me a lot of shroom. I actually swatched them together and they look SO similar! This eyelid shade is a rose gold like color, also super pigmented and finely milled. I've found that it's really comparable to Toasted in my Urban Decay palette. The crease is a beautiful medium brown with shimmer. I find this to actually be a great color for my eyelid on my NC40-42 skin when I want a smoky eye look. And the last color on the left, the definer, is a dark pigmented brown w/ gold specks of glitter. I usually use this color for my outer V. The right side is full of olive, neutral, greens. The browbone on the left is a taupe like color with a hint of green. I find that it's too dark for even my NC 40-42 to use for a browbone color, however, I think it's just absolutely beautiful on my lids. The eyelid color is an almost golden like light green. It reminds me of Mac Juxt, but I think that the Wet 'n' Wild one is actually more pigmented. The crease is a very dark, very pigmented, almost black, green. It works really well as a definer for my outer V. And the last color, the definer, is actually what this palette is famous for. It is a duochrome shadow that is a complete dupe of Mac's Club eye shadow.
continued >>
Age: 25-29
Skin: Combination, Olive, Neutral
Hair: Black, Curly, Fine
Eyes: Black
agree with one of the other reviewers, this palette is my favorite over the UD naked palette (both 1 and 2). these are so easy to blend, great pigmentation, no duds, all colors are gorgeous, go easily from day to night, super duper cheap! just great!
Age: 18 & Under
Skin: Oily, Fair-Medium, Not Sure
Hair: Brunette, Other, Other
Eyes: Grey
Amazing pigmentation, generous colour selection, full size shadows..... all for less than $5. You really can't go wrong. I only really use 4 colours in this palette, but that's mainly because I'm not a huge fan of green on my lids. The palette is worth a try, as it can yield many different looks!
Age: 30-35
Skin: Combination, Fair, Not Sure
Hair: Blond, Other, Other
Eyes: Blue
I first saw this pallet on a YouTube video of a guru (don't remember which one) doing her monthly faves. She only swatched the 2nd one on the left, but I knew I wanted this pallet just from seeing that one swatch. I found it at Walgreens for $4.99 and when I looked at it I saw the bottom right color. I was so excited to see if this color was the same as my favorite eye shadow color of all time (urban decay, Lounge) which was recently discontinued. And guess what?! It was :o) I am so happy that I have almost an exact dupe for my fave color. I even think I may like the WW color more than the UD, just because of the formula, the WW is creamier and has the teeniest bit more of the green sheen and a tad bit less of the deep red color than the UD Lounge. Either way, I have tried every color in this pallet and I love them ALL! I will repurchase, probably within the next week as I know how drugstore makeup brands tend to be very seasonal on their selection and I don't want to run out.
Age: 19-24
Skin: Normal, Fair, Warm
Hair: Black, Straight, Medium
Eyes: Black
Believe it or not, I am now more in love with this palette than *gasp* my Urban Decay Naked 2 palette! Yes, there. I said it. It's true! The pigmentation is impeccable and more that I could ask for in a drugstore brand that costs so little but with twice as much product, twice the pigmentation, twice as good texture that its higher end equivalents. The colors are very wearable, both as a day time look and a night time look. I keep this baby in my bag and it stays there all the time because I know I could have endless combinations to my look whenever I use this. There is no color that is a dud or looks off. One of my favorites, and I know people who have reviewed this will agree with me, is the duochrome "Definer" color which is the dupe for MAC's Club--impressive to have in a drugstore palette. I will buy this again and again, even only for that color.
Update: I have repurchased this palette mainly because I cannot be without it. I have it in my vanity and in my makeup bag and apart from that, I have backups because I don't know what I'll do if they decide to discontinue this. For the longest time my HG neutral palette isWNW Walking on Eggshells--practically what I wore to school for a good year. But it's been replaced by this because apart from getting a similar trio on the left side of the palette, you get a couple more shades to mix up the look. Hands down, the best palette out there in my opinion.
Age: 19-24
Skin: Combination, Fair-Medium, Warm
Hair: Black, Straight, Medium
Eyes: Brown
This palette is the absolute perfect neutral palette. The colors are soft and apply easier, blend great and are super pigmented. You won't go wrong with the palette.
Age: 19-24
Skin: Dry, Fair, Warm
Hair: Brunette, Wavy, Fine
Eyes: Blue
I find it unlikely that I will ever need to repurchase this product because I don't use it frequently, and each color is incredibly pigmented, so I never have to use a lot, but in the even that I do need another one, I would definitely repurchase.
This palette has 8 shades, 4 neutral, 4 green-based but still useful for everyday wear. All shadows in this palette are shimmery and could be used to create a soft look or a dramatic look. I appreciate that each shade is labeled, and there are directions on the back of the palette to show where to place each shade to create different looks, which would be helpful for beginners. The colors are all very pigmented and very soft, and I experience little to no fallout with them. The darkest shade is a lovely brown/green duo-chrome, which gives a nice effect on its own or with the other shades. Overall a very useful palette. My one complain about all of the Wet 'n' Wild permanent palettes is the lack of matte shades. Luckily Wet 'n' Wild offers a couple of lovely matte single eyeshadows which are very inexpensive and can supplement any palette. Also, the price for this palette vs. the quality is exceptional.
Popular Eye Shadows
Video Reviews & Tutorials
Wet N' Wild Comfort Zone Palette: Dramatic Green Eye by CosmeticsCounsel


text:
Academic Paper |
Title: | A 'practice of the variant' and the origins of the standard. Presentation of a variationist linguistics method for a corpus of Old French charters |
Author: | Harald Völker |
Institution: | Universität Zürich |
Linguistic Field: | Morphology; Sociolinguistics; Writing Systems |
Subject Language: |
French |
Abstract: | Concerning the history of the linguistic standardisation of French, the period which begins with Louis XIV and the 17th century is well known and has been well documented. However, to the present day, discussions about the origins and the early periods of standardisation often suffer from a lack of intralinguistic evidence. The present article makes some suggestions which are designed to help compensate for this lack of evidence, and discusses some results from a German research project on Old French charters. |
This article appears in Journal of French Language Studies Vol. 17, Issue 2, which you can read on Cambridge's site or on LINGUIST . |
Back Add a new paper Return to Academic Papers main page Return to Directory of Linguists main page |


text:
Book your room at Quality Hotel Grand Royal
Narvik hotel with a restaurant
Situated in the city center, this hotel is close to Red Cross War Memorial Museum, Narvikfjellet, and Ofoten Museum. Nearby attractions also include Fagernesfjellet.
Hotel Features
In addition to a restaurant, Quality Hotel Grand Royal features a bar/lounge. Other amenities include a coffee shop/café and complimentary wireless Internet access.
Room Amenities
Televisions come with cable channels. Guestrooms also feature complimentary wireless Internet access, desks, and hair dryers.
Information missing or incorrect? Tell us!Hotel Amenities
Hotel Amenities
The hotel offers a restaurant and a coffee shop/café. A bar/lounge is on site where guests can unwind with a drink. Guests can enjoy a complimentary breakfast. High-speed wireless Internet access is complimentary.
This business-friendly hotel also offers tour/ticket assistance and an elevator (lift). Onsite self parking is complimentary.
Quality Hotel Grand Royal is a smoke-free property.
- Total number of rooms - 161
- Number of floors - 6
- Bar/lounge
- Coffee shop or café
- Free breakfast
- Elevator/lift
- Tours/ticket assistance
- Free WiFi
- One meeting room
- Restaurant
- Free self parking
- Smoke-free property
Available in all rooms: Free WiFi
Available in some public areas: Free WiFi
Free self parking
Room Amenities
- Pay movies
- Hair dryer
- Iron/ironing board
- Television
- Desk
- Rollaway/extra beds available
- Cribs/infant beds available
- Cable TV service
- Free WiFi
Where to Eat
Guests are offered a complimentary full breakfast.
Royal Blue - Onsite restaurant.
Rallarn Pub og Kro Bar - Onsite bar.
Nearby Things to Do
The recreational activities listed below are available either on site or nearby; fees may apply.
- Downhill skiing nearby
- Mountain biking nearby
Hotel Policies
Check-in time starts at 3 PM
Check-out time is noon
Payment types
Pets allowed
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.
- Pet fee: NOK 200 per stay
We should mention
Children 12 years old and younger stay free when occupying the parent or guardian's room, using existing bedding. Guests can arrange to bring pets by contacting the property directly, using the contact information on the booking confirmation (surcharges apply and can be found in the Fees section).


text:
Hey I just posted my second design here on DBH, for the Fleetwood Mac contest. I still don't know a lot of people on here and with the new site I can't figure out how to browse all artists…? If you wouldn't mind swinging by and checking out my new design I'd appreciate it, and please feel free to give me some feedback and/or vote.
Prints / Wins | 0 |
Votes Received | 54 |
Votes Given | 39 |
Comments | 8 |
Shirts Owned | 0 |
Closet | 0 |
2 Comments
Hey…i have a new design up. Its a revamped version of my original Endless Night design. Now made with handdrawn elements instead of vector. Its called the Bloodmoon…feel free to come check it out. I also got a few Fleetwood Mac designs up. any support would be appreciated:)
Please log in to add your comment.


text:
What I Saw and How I Lied
by Judy Blundell
This National Book Award winner set during the aftermath of WWII is now available in paperback!
When Evie's father returned home from World War II, the family fell back into its normal life pretty quickly. But Joe Spooner brought more back with him than just good war stories. When movie-star handsome Peter Coleridge, a young ex-GI who served in Joe's company in postwar Austria, shows up, Evie is suddenly caught in a complicated web of lies that she only slowly recognizes. She finds herself falling for Peter, ignoring the secrets that surround him...until a tragedy occurs that shatters her family and breaks her life in two.
- Ages
- 14, 15, 13, 16, 17, 18
- Interest Level
- Grades 7 - 9
- Grade Level Equivalent
- 4.5
- Lexile Measure
- 70
- Guided Reading
- Publisher
- Scholastic Inc.
- Number of Pages
- 288
- Genre
- Historical Fiction, Mystery and Suspense, Young Adult
About the Author
Judy Blundell
2008 National Book Award winner Judy Blundell is well known to Star Wars fans by her pseudonym, Jude Watson.
The Reading Toolkit
Shop From Scholastic
Sponsor Spotlight
It's a reading SEUSS-ebration!
Visit Seussville.com for games and activities!
Visit Seussville.com for games and activities!


text:
Tuffy Products
I have severa Tuffy products, trunk, center colsole and hood lock. I needed some new locks to standardize all of them a month or so ago and they sent the wrong codes.
Before I could tell them they contacted me to tell me of the error and sent replacement cylinders and keys with no charge or mention of returning the old ones. I was in the four corners area today and stopped by Tuffy to return the parts, I met Reagan and Rhonda the customer service reps I had dealt with. I got a tour of the factory, learned about some newer products coming out and watched the manufacturing process for several products. I've been around machine shops all my life and this one was well run and very clean. The R&D seemed active and I viewed several vehicles on site with new and existing products. Just wanted to put in a personal plug for a USA manufacturer. I have no affiliation of any kind just a satisfied customer. jj |
All times are GMT -5. The time now is 12:02 PM. |


text:
24/7 Customer Support
Chat with a Pro
In Stock — Ships Today Guaranteed
1 Question & Answer
Genuine Frigidaire part. Frigidaire brands include Electrolux, Frigidaire, Gibson, Kelvinator, Westinghouse, and others. See all items in Dishwasher Basket, Silverware Basket. Electrolux also makes various appliance models for Sears / Kenmore
Check your model number or use our Cross Reference Tool to determine if this part will work with your appliance.
Where can I find my model number?
Part Diagram
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Part Number 5304461023 (AP4057351) replaces 1260953, AH1765528, EA1765528, PS1765528.
Step by step instructions on how to replace a Basket #5304461023 for Dishwasher made by Frigidaire, Kenmore. Note: This video is intended to give you the general idea of the part replacement procedure. Your appliance may differ depending on the manufacturer and model.
Did you find this video helpful?
Lily O. for Model Number 58714402400
Answer Hello Lily! Unfortunately, we do not have the exact measurements available for the silverware basket 5304461023. However, searching the given model number this basket is the correct replacement and will fit your dishwasher. Thanks!
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text:
57 photos found.
canola by Melissa Harding
Canola by David Mulford
Canola Fields, Western Cape by Tamara Jurgens
Canola Rd. II by John Buffett
Canola Rd. by John Buffett
Canola by Mykola Swarnyk
Canola by markus zundel
Canola field by Garry Hayes
Alberta Canola by Myron Watamaniuk
A canola field by Linda Deacon
Canola field by K.J. Hascall
Canola Colour by Barry Gregory
All "canola" in Photos: 1 2 3 4 5 Next »


text:
The Dehradun MeT office has been adjudged the best MeT office of the country for the year 2014.
This is the lowest fare offered by SpiceJet which has since last year year been dishing out discount schemes in a bid to raise some cash.
Long queues of devotees, the young and old alike, were seen outside the major Shiva temples in Dehradun decked up especially for the occasion.
Indo Tibetan Border Police (ITBP) today felicitated the mountaineering team of 14th battalion, under Northern frontier command at Dehradun.
Stern action must be taken against those found absent from duty during office hours, the chief minister was quoted as saying.
Delhi High Court today sought CBI's response on the interim bail plea of one of the convicted cops who were awarded life imprisonment in a fake encounter case.
"India and other developing countries do not have legally-binding emission reduction commitments with regard to reducing GHG", Javadekar said.
Interrogation of Amrin Ara has raised new questions and prompted sleuths to reconstruct how Sudipta's money was sent through the hawala route.
Sharama, a former mayor of Dehradun, was elected unopposed to the Rajya Sabha in November last year as a Congress member.
DU has roped in the services of the National Institute for the Visually Handicapped (NIVH), Dehradun, for working on the kits.


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Newport Waves Glass Shower Partition
Shower in Illuminated Art ... Glass shower dividers and glass partitions by Sans Soucie are unique, custom works of art glass featuring hand-crafted, sandblast frosted and 3D carved designs. Available any size, shape and with any design imaginable, a glass shower partition is the perfect solution for a walk in shower where you want to move from just plain glass to a custom look. From simple frosted designs to our more extravagant 3D sculpture carved and painted glass , Sans Soucie designs are sandblasted different ways which create not only different effects but different levels in price. The "same design, done different" - with no limit to design - there's something for every decor, regardless of style. Price will vary by design complexity and type of effect: Specialty Glass and Frosted Glass. Click here to learn more about our effects. All shower divider glass is tempered, is custom made to order and ships worldwide at reasonable prices. One of our most popular looks for partitions is a custom edge. Edges can be straight polished, or can feature one of Sans Soucie's signature design custom hand chiseled, irregular edges.
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Tech obsessed? Go on a digital detox holiday
- Published: 2 Apr 2013 at 11.38 | Viewed: 2,430 | Comments: 0
- Online news:
- Writer: AFP Relax News
The latest concept aimed at Silicon Valley's stressed-out tech junkies is California's Camp Grounded, a summer camp for adults who leave their gadgets behind and get back to basics with bunk beds and bonfires.
Put your gadgets away: digital detox holidays are a rising trend among hotels and reteat centers.
For US$305, which includes meals and bunk-bed accommodations, campers check in their laptops, mobile phones, social media accounts, and work jargon for an "off-the-grid weekend of pure unadulterated fun."
This article is older than 60 days, which we reserve for our premium members only.You can subscribe to our premium member subscription, here.


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Hotel Elan
0.74kmHotel Elan is a Boutique Hotel with 62 rooms and suites. All of our luxurious suites feature stylish design...
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0.75kmAUGUST 13 to 15, 2015.The Calgary Reggae Festival Society promotes reggae music and musicians in Calgary. Stir it up at ReggaeFest this August.
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0.75kmLocated in Calgary's Beltline district, CRAFT Beer Market opened the doors in June of 2011 and we have since earned a reputation for our...
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Forever young: 3 crazy things you should do with your spouse on vacation
Oct 17, 2012, 8:37 a.m.
Reinvigorate your love life next time you go on vacation with your spouse by playing forever young. Here are three crazy things you can do, but start with a couple important other lists: packing checklist so you don't forget what you really need, and a things to do list.
Lists are the mainstay of reality for many people, young as well as older. A list takes the heat off your brain; you stay organized and don't have to deal with that awful feeling of forgetfulness and embarrassment when you can't find or forget something. Make lots of lists, but keep them organized in one place so you don't lose them!
A packing list for your vacation jaunt comes in handy when you have special plans in mind. For example, if you want to do some of the crazy things from your youthful days, you might need a list to remember game equipment, special clothing or outdoor gear.
Fun & games -- remember the hula hoop? Still have one? Bring it along and try two inside the hoop. Do something new, like bungee jumping or winter camping.
Shower mania -- when you are young, showers are for a lot more than getting cleaned up. Bring along the hippie loofah sponge and some special creams or lotions. Plan a nice massage and then try a two-person shower for added fun and romance.
Try a mystery tour. Set a destination but don't use the map. Have some idea of what direction to go and take some interesting back roads. Be flexible about where you end up spending the night; you might rediscover some really neat old inns along the way.
The journey and the stay should be fun and filled with surprises. Be crazy, take your time and create some new memories with youthful flavor.
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Monday: Camden at Camden Military Academy (WR – 6 p.m.)
University of South Carolina sophomore defensive specialist and former Lugoff-Elgin standout Megan Kirkland has been named to the 12-player 2014 SEC Volleyball Community Service Team, which the conference announced last Wednesday.
When given the option, Will Jones could have stayed for his senior year at Lugoff-Elgin High School and played out his final season of football for the Demons after his father, Scott Jones, retired as the school's head football coach and athletic director last July.
Led by a trio of 20-point scorers, the Lugoff-Elgin boys' basketball team kicked off the second season of the Garrett Knight era by knocking off visiting North Central, 90-42, on Tuesday night inside the Demons Den.
Less than seven weeks after having signed a major league contract with the Tampa Bay Rays, Camden native Michael Kohn was signed to a minor league contract by the Atlanta Braves on Wednesday.
Tampa Bay Rays relief pitcher and former Camden High School standout Michael Kohn will return home as the lead instructor for a one-day baseball camp on Sunday, Dec. 14 from 1 p.m. until 4 p.m. at American Legion Park in Camden.
Monday: Camden at Lakewood (BB – 6 p.m.);
North Central Middle School will host its annual Patriot Basketball Jamboree on Monday, Nov. 24 with the six mini-games being contested inside The Castle at North Central High School in Boonetown.
Tampa Bay Rays relief pitcher and former Camden High School standout Michael Kohn will return home as the lead instructor for a one-day baseball camp on Sunday, Dec. 14 from 1 p.m. until 4 p.m. at American Legion Park in Camden.
The word for this edition of the Fearless Forecast is brevity.
The Shoot for Second Chances, a sporting clays charity tournament to benefit the retired race horses of the Thoroughbred Retirement Foundation of South Carolina, will be held on Friday, Nov. 14 at Hermitage Farm Shooting Sports in Camden.
Led by five from North Central's AA Upper State runner-up squad, 10 Kershaw County volleyball players earned post-season honors for their performance on the court this past season.
The Camden High School baseball program will host a fundraising golf tournament at the Camden Country Club on Thursday, Nov. 13.
It was a mixed bag for Kershaw County volleyball on Thursday night.
After four-plus days of rumors, hearsay and innuendo, the Camden High School football team is still waiting to hear from the South Carolina High School League (HSL) as to any penalties stemming from last Friday night's post-game fight involving the Bulldogs and visiting Dreher at Zemp Stadium.
The Camden High School baseball coaching staff will host its annual Father-Son Baseball Camp on Saturday, March 7 at American Legion Park in Camden.
Tyler Bowers struck out six batters in a three-inning stint as host North Central shut out Camden Military Academy, 12-0, in Saturday's opening day of the Mid-Carolina Credit Union Baseball Bash being played in Boonetown.
Hopefully, the weather forecasters will be wrong on their prognostications of rain for the early to middle part of this week as all four of Kershaw County's baseball teams will be involved in pre-season tournament play which began last Saturday and will continue throughout this week.
Regardless of what the weatherman says, Kershaw County's four high school baseball teams will open their seasons with a trio of pre-season tournaments starting Saturday and continuing throughout next week.
The eighth annual Clinic Classic 5K walk/run, presented by McDonald's of Camden, and the Camden Family Care one-mile run/walk will take to the streets of Camden on Saturday, April 18.
Page 1 of 1
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Chick Chat 2015
- Family & Education
- Herrick Middle School, Downers Grove IL
HGNA Presents Amy MacDonald's Parenting Series: "What Good Parents Know"Helping Girls Navigate Adolescence, Inc.Thursday, October 17, 2013 from 7:00 PM to 8:30 PM (CDT) |
Back by popular demand, Chick Chat parent speaker, Amy MacDonald presents a new four-week parenting series, "What Good Parents Know."
October 17 -- Nurture and Lead
October 24 -- Respect
November 7 -- Discipline
November 14 -- Building
The price for this series includes all four dates as each week builds upon the previous week. Therefore, you cannot register for individual sessions. Please note: There is a discounted price for registering two people at a time.
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77dave77 October 18, 2014 7:29 AM MotoGP » MotoGP Australia - Full Qualifying Results I think that is Casey Stoner in Cal/s leathers !! Reply Report abuse 2 agree 4 disagree
77dave77 September 27, 2014 9:25 PM MotoGP » Pole man Marquez bullish over Aragon prospects Could it be possible that MM will let Dani win ( if he is lying second ) to help his team mate get points for 2nd in the championship , because a 1-2 title for Honda would be desirable Reply Report abuse 1 agree 5 disagree
77dave77 September 27, 2014 9:28 PM MotoGP » Pedrosa: We will try and take the fight to Marc Dani .... don't worry about MM just make sure you beat Rossi !! maybe MM can help ! Reply Report abuse 2 agree 0 disagree
77dave77 September 12, 2014 4:35 PM MotoGP » MotoGP Misano - Free Practice (2) Results If this was the race result .... Rossi 2.5 seconds behind Dovi on a DUCATI the track will be awash with fanboy tears !!! Reply Report abuse 5 agree 3 disagree
77dave77 August 31, 2014 7:55 PM MotoGP » Rossi rues time lost on opening laps Huskymick: R6Ryder: I think rossi is going to battle to the line in Misano. Why ? or how ? Blinkered fanboy belief !!!!! Reply Report abuse 8 agree 11 disagree
77dave77 August 31, 2014 6:50 PM MotoGP » Rossi rues time lost on opening laps Considering his illustrious past it seems strange that Rossi and his fans seem to be" hoping for podiums " and not wins and titles any more ! It is beyond doubt that his glory days are behind him and perhaps his famous statement to Sete Gibernaau " you will never win another race " may come back to haunt him ,... perhaps it is already !! There is always a chance he could win a race as he gambles on tyre choice sometimes but it has not paid of yet , however in a straight race few believe he can beat MM or JL . what will happen if he does not improve next year or the one after ?? Reply Report abuse 8 agree 5 disagree
77dave77 August 31, 2014 3:36 PM MotoGP » MotoGP Silverstone - Race Results Even if J LO beats Rossi every race now he will not make up the deficit of points he lost at the start of the season as Rossi will only be 1 or 2 places behind him ( usually) but it could help Dani secure 2nd for the championship , and a Honda 1-2 would really get the conspiracy theorists going !! Reply Report abuse 2 agree 3 disagree
77dave77 August 30, 2014 4:22 PM MotoGP » Marquez unstoppable for Silverstone pole It must be so frustrating for the rest , especially the yamahas , who seem unable to qualify on pole or win a race this year so far .. but neither seems to crash ( Obviously I do not want them to get hurt !) whilst trying trying to beat MM I think they have given up , but they will nearly always end up on the podium as they are on the factory bikes so I feel they are just playing safe and hoping to maintain some championship position !! Reply Report abuse 1 agree 0 disagree
77dave77 August 26, 2014 8:25 PM MotoGP » Pedrosa eager to join battle of Britain As long as Dani beats the Yamahas and gains points for 2nd in the championship then I will be happy !! Reply Report abuse 7 agree 1 disagree
77dave77 August 17, 2014 5:56 PM MotoGP » Rossi: Finally I can beat Marquez! Rossi may be happy with the race but he has slipped back in the championship a little though , still anything could happen , who would have thought MM would not win today though ! Reply Report abuse 6 agree 2 disagree


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The Recalcitrists.
Been thinking about my art and position on most political rhetoric etc. I need my own mandate or manifesto. I'm presently working on it at the moment. The movement will be Recalcitrism and the members here forth shall be known as The Recalcitrists. The word recalcitrant – resisting authority or control; not obedient or compliant; refractory. Hard to deal with, manage, or operate. Not susceptible to control or authority. You can view all of my finalised designs and concepts here.


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We are very pleased with our experience. Friendly staff, comfortable room/bed, beautiful and interesting surroundings. We recommend to those wishing a calm moment at a 'spicy' price. The breakfast at € 11,00/person seems a bit over the top...
Travelling along a country road from Wissembourg, we reached La Petite Pierre and saw a signpost to an Auberge which we thought was an ideal location for a quiet and peaceful night. We finally picked the third room we looked at because it was spacious, a large bathroom (the bath catered for two if so desired), separate toilet, it was... More
We looked at the Tripadvisor reviews for this hotel en route and having booked it on the strength of the fact that it was a Relais de Silence were quite surprised that it got so many bad reviews and a low rating. So we arrived with low expectations bracing ourselves for an unpleasant stay. Thankfully it wasn't all that bad.... More
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So much for reversion to the mean.
Last year turned out to be a great one for U.S. stocks, with the Standard & Poor's 500 notching a total return of 32.4%, more than double its return a year earlier. The rally had impressive depth and breadth: Small-, mid- and large-company stocks all averaged gains in excess of 30%, though small stocks shined the brightest, with the Russell 2000 up 38.8%. Value stocks drove the biggest gains: The 50 stocks with the lowest price-to-forward earnings ratio in the S&P 500 returned 64%, according to Jeffrey Rubin of Birinyi Associates, a research firm in Westport, Conn. It was a far cry from 2011 and early 2012, when risk-averse investors piled into utility stocks and other dividend-payers. Top performers last year included Walt Disney DIS -0.7334273624823695% Walt Disney Co. U.S.: NYSE USD105.57 -0.78 -0.7334273624823695% /Date(1425506476085-0600)/ Volume (Delayed 15m) : 4933716 AFTER HOURS USD105.5 -0.07 -0.06630671592308421% Volume (Delayed 15m) : 39221 P/E Ratio 23.2021978021978 Market Cap 180748521210.384 Dividend Yield 1.0893246187363834% Rev. per Employee 276561 More quote details and news » (ticker: DIS), which returned 55%, and American International Group AIG -0.35984166966534725% American International Group Inc. U.S.: NYSE USD55.38 -0.2 -0.35984166966534725% /Date(1425506500851-0600)/ Volume (Delayed 15m) : 5987745 AFTER HOURS USD55.02 -0.36 -0.6500541711809318% Volume (Delayed 15m) : 69809 P/E Ratio 10.56245351032786 Market Cap 76279997346.9898 Dividend Yield 0.9028530155290718% Rev. per Employee 981769 More quote details and news » (AIG), which returned 45%.
So it was a particularly good year for the stockpickers, which helped propel a new crop of fund firms to the top of the Barron's/Lipper Fund Family Ranking this year. The 2013 survey's winner is Boston-based Natixis Global Asset Management, an "affiliate" manager of 26 independently run fund companies, best known for the $106 billion Harris Associates, which advises the Oakmark Funds; and the venerable bond shop Loomis Sayles, which has $200 billion in assets.
Sixty-four fund companies qualified for this year's one-year Barron's/Lipper Fund Family Ranking. Because U.S. stocks are the largest category and given the highest weighting in the annual ranking, domestic equity fund performance was a big factor in determining who finished where. The one-year weightings: General (U.S.) Equity, 40%; World Equity, 17%; Mixed Asset, 18%; Taxable Bond, 22%, and Tax-Exempt Bond, 3%.
William Waitzman for Barron's
Natixis placed first in the U.S. stock category, its performance helped by managers such as Bill Nygren, who co-manages the $12 billion Oakmark fund (ticker: OAKMX). Natixis, which also has headquarters in Paris (and is owned by the French financial services company of the same name), did not appear in last year's ranking because it did not have the requisite funds to qualify.
Unlike last year's survey, when some of the winners climbed from exceptionally low rankings in 2012, there was less year-to-year volatility among the top finishers. Putnam Investment Management placed second, down one spot from the top spot last year. The Boston firm owes its strong second-place showing to the performance of its U.S. stock funds.
Finishing third is GE Asset Management, which climbed from 14th place in 2013. With a big institutional focus that includes the GE pension fund, the money manager oversees $119 billion, about $25 billion of which is in mutual funds, though these funds are not widely available to the general investing public. (For more on GE Asset Management, see Paul Colonna's profile.) It did especially well in the two equity categories and taxable bonds.
Coming in fourth was Lord Abbett, up from 13th place last year, helped by a good showing in every category except tax-exempt bonds. Placing fifth was Waddell & Reed WDR -0.3024193548387097% Waddell & Reed Financial Inc. U.S.: NYSE USD49.45 -0.15 -0.3024193548387097% /Date(1425506721816-0600)/ Volume (Delayed 15m) : 721806 AFTER HOURS USD49.45 % Volume (Delayed 15m) : 13017 P/E Ratio 13.293010752688172 Market Cap 4144823993.58368 Dividend Yield 3.4782608695652173% Rev. per Employee 972637 More quote details and news » Investment Management, a subsidiary of Waddell & Reed Financial (WDR), a publicly traded asset manager based in Overland Park, Kan. (It also owns Ivy Investment Management, which came in 11th.) Waddell's strongest result was in the mixed-asset group, which tracks funds that use a combination of stocks and bonds.
For the first time since 2010, all 10 of the S&P 500's industry groups finished in positive territory. But in this business everything is relative, and the top managers had more of a focus on the biggest winners: Consumer discretionary stocks rose 41%; health care, 39%; industrials, 38%; and financials, 33%. Last year's worst sectors were utilities, up 9%, and telecommunication services, which gained 6%.
John Hailer
Company: Natixis Global Asset Management
Title: President and CEO
Total AUM: $838 billion
2013 Ranking: 1
U.S. Retail Funds: 47
Oakmark and Loomis Sayles are two of the most respected fund companies. But mention their parent company, and many U.S. investors would draw a blank.
That's OK with John Hailer, who has played a key role in running Natixis Global Asset Management since 1999. Hailer works out of the firm's Boston headquarters; the French parent company is based in Paris. The firm manages $838 billion globally, about half of it in the U.S. among 26 affiliates—Oakmark and Loomis Sayles make up about 35% of its U.S. assets under management.
Natixis has a centralized, global, fund-distribution arm that sells all its funds and gets them on the right platforms. That allows the fund-management firms, including Harris Associates (Oakmark's parent), Loomis, and Gateway Investment Advisers, to run their portfolios autonomously. With distribution essentially outsourced, the affiliates "put their resources back into investment talent, technology, and their investment culture."
In a recent interview, Hailer was affable, friendly, and funny, at one point characterizing himself as "a young 53." But he is a focused and hard-driving executive intent on growing the firm's business. One of 10 children, Hailer grew up in a busy household. "You had to learn to communicate and grow up with diversity" under one roof, he says with a distinctive Boston accent.
And in that crowded, noisy household, Hailer learned some rules that still apply to how he runs Natixis. The most important thing to remember, he says, "is your own name, and to treat it with respect."
International stocks didn't do quite as well, though the MSCI EAFE index, which tracks foreign large- and mid-size stocks in the developed world, rose 23%. But one important laggard was emerging-market stock funds, which we included in our survey for the first time in our 2012 survey as part of the World Equity category. (For more on how the rankings are calculated, see "How We Rank the Fund Families".) The MSCI Emerging Markets Index was down 2.6%, as rising interest rates in the U.S. put pressure on emerging-market currencies and their equities, as investors found better opportunities with less risk elsewhere.
It wasn't about macro calls or stock-picking for one notable exception, though: No. 6 on our ranking is Dimensional Fund Advisors, which has had great success with its quantitative approach of applying academic research to value-oriented investing strategies. (For more on the company, see "A Different Dimension," Jan. 6.) The firm, based in Austin, Texas, was followed by T. Rowe Price, Hartford Funds, First Investors Management, and MFS Investment Management.
Putnam, T. Rowe Price, Hartford Funds, and MFS all finished in the top 10 of the one-year survey for the second year in a row.
A KEY DRIVER FOR THE MARKET in 2013 was investor sentiment, which finally began to shift away from bonds to equities for the first time since the financial crisis. Actively managed stock funds in the U.S. had net inflows of $161 billion last year, the first net inflow for those portfolios since 2007, according to the Investment Company Institute, a trade group representing mutual funds. Conversely, actively managed bond funds had net outflows of $83 billion, reversing a trend that had taken hold since the financial crisis as investors fled to safety.
Heading into 2012, investors were "still focused on wanting to be in fixed income and wanting to avoid equities," says Mike Avery, co-manager of the $3.7 billion Waddell & Reed Asset Strategy fund (UNASX). But "that changed fairly drastically going into '13, as the market did better," he says; "It was a huge change in sentiment."
In terms of performance, fixed-income funds had the roughest go, and one of the best-known bond shops -- you know who we're talking about -- suffered greatly. As the Federal Reserve announced, and then began, the tapering of its bond-buying program, the yield on the 10-year U.S. Treasury nearly doubled from 1.6% in May to 3% by the end of 2013. The Barclays U.S. Aggregate, a proxy for investment-grade government and corporate bonds, fell 2.02%, its first negative calendar-year performance since 1999.
The pressure on bonds hurt industry giant Pimco, which finished 54th in our one-year ranking, just 10 spots from the bottom. Perhaps most telling, the Newport Beach, Calif., behemoth finished 60th in taxable bonds, fourth from last.
In previous years, Pimco was combined with its parent Allianz Global Investors, the German-based firm. This year, however, Lipper looked at the two fund complexes separately, in part because they have different management teams and fund boards. But Allianz did not qualify for the most recent survey because it did not have a municipal-debt fund that met the survey's requirements, according to Jeff Tjornehoj, head of Lipper Americas Research.
Bob Reynolds
Company: Putnam Investments
Title: President and CEO
Total AUM: $150 billion
2013 Ranking: 2
U.S. Retail Funds: 108
After years of mixed results, investment performance is shaping up at Putnam Investment Management, where Bob Reynolds took over as CEO in mid-2008. The firm finished second in this year's one-year ranking, its third top 15 finish in the last four years.
More importantly, Putnam's long-term performance is on the mend. The firm placed No. 2 out of 55 fund families in the five-year survey, which covers Reynolds' tenure at Putnam.
"What we've tried to do, from day one when someone is hired to manage a fund, is that they are held accountable and responsible for the results," says Reynolds, 61, whose accent still bears a trace of his native West Virginia.
The portfolio managers Reynolds has brought in include Nick Thakore, who runs Putnam Voyager and Bob Ewing, who oversees the Putnam Fund for Growth and Income, both of which are in the top 15% of their respective Lipper peer groups based on five-year returns. Thakore and Ewing both worked at Fidelity, where Reynolds served as a senior executive for many years.
Reynolds has also tried to strengthen the equity research team, making it more global and collaborative, with the analysts helping to manage money.
Investors have started to take notice of Putnam's performance. For the first year since 2000, Putnam had a collective net inflow for its retail mutual-fund business last year. "It comes down to having the right people and the right incentive structure and providing them the right resources to perform," says Reynolds.
One reason for the Pimco's underperformance: the firm's flagship Pimco Total Return fund (PTTAX), managed by Bill Gross, finished the year down 2.06%, near the bottom of its Lipper category. Because the ranking is asset-weighted -- that is, the performance of the funds with the most assets are counted more than those with the least assets -- the $237 billion Total Return dragged down Pimco's performance.
"Our focus always is long-term performance for our clients, to manage risk and to deliver returns for them over a complete market cycle," Pimco said in a prepared statement. Indeed, Pimco ranked first in the five-year ranking, surpassing 54 firms.
Loomis Sayles is a much smaller ($200 billion in assets, total) and quieter firm than Pimco, but vice chairman and veteran manager Dan Fuss, 80, is venerated in the industry. Fuss's management helped propel Natixis to its No. 1 spot overall and in the taxable-bond category. His $22 billion Loomis Sayles Bond fund (LSBRX) and $1.2 billion Loomis Sayles Fixed Income (LSFIX), both finished at the very top of their Lipper categories last year. The bond fund gained 5.8%, while the fixed-income fund was up nearly 7% -- excellent showings in a tough year for bonds. "Individual security selection certainly helped," Fuss says.
On that front, investment-grade corporate bonds such as those issued by Morgan Stanley, MS -2.037967615857063% Morgan Stanley U.S.: NYSE USD35.09 -0.73 -2.037967615857063% /Date(1425506622869-0600)/ Volume (Delayed 15m) : 11218091 AFTER HOURS USD35.1 0.01 0.028498147620404674% Volume (Delayed 15m) : 315413 P/E Ratio 11.619205298013245 Market Cap 70114173218.566 Dividend Yield 1.139925904816187% Rev. per Employee 688622 More quote details and news » Jefferies Group, and Ford Motor F -0.8658008658008658% Ford Motor Co. U.S.: NYSE USD16.03 -0.14 -0.8658008658008658% /Date(1425506458371-0600)/ Volume (Delayed 15m) : 25427035 AFTER HOURS USD16.04 0.01 0.06238303181534623% Volume (Delayed 15m) : 232366 P/E Ratio 19.70982417312185 Market Cap 63967585091.9258 Dividend Yield 3.7429819089207736% Rev. per Employee 770465 More quote details and news » also did particularly well. At the end of last year, nearly 16% of Loomis Sayles Bond was in investment-grade corporates.
"There was a general narrowing of corporate [bond] spreads in the investment-grade area," says Fuss, who began his career at the firm in 1976, pushing up prices and helping performance.
High-yield bonds, which returned 7.4% on average, helped buoy Loomis along with other managers. Steven Rocco, a manager of the $2.8 billion Lord Abbett High Yield fund (LHYAX), says that bonds further down the capital structure of companies worked better last year, pointing in particular to bonds rated B and CCC, instead of BB. "You are getting paid for the risk," Rocco says. "Defaults are nonexistent now, and companies are hoarding cash."
Among the holdings that worked in the fund was a high-yield bond issued by First Data with a coupon of 12.625%. It returned 22.3% last year. The fund returned nearly 10% last year, good for a finish in the top 10% of its category.
High-yield holdings also helped the $1.8 billion Lord Abbett Income fund (LAGVX), which finished the year up a mere 0.5%, but outperformed 80% of its peers. The fund is more focused on corporate-bond issues, and "The way you win in investment-grade fixed income is to accumulate a lot of little wins and don't have many disasters," says Andrew O'Brien, a manager of that fund. Lord Abbett's little wins in fixed income led to a third-place finish in the taxable-income category, no doubt helping to secure its fourth-place ranking overall.
Paul Colonna
Company: GE Asset Management
Title: President and Chief Investment Officer
Total AUM: $119 billion
2013 Ranking: 3
U.S. Retail Funds: 7
GE Asset Management is not a typical mutual-fund family. For one thing, it has an institutional focus, which includes the $48 billion pension fund for
Paul Colonna says that he and his team expected 2013 to be less volatile than the preceding year, especially as the investors gained confidence. "And we got that," he says. The firm wisely steered away from utilities and telecommunications stocks; those sectors struggled as rates rose and the economy improved.
On the fixed-income side, the firm's portfolio managers found opportunities in sectors that rewarded taking on more credit risk, such as high-yield bonds. "There's decent demand for credit products, and not a lot of net new supply," Colonna says. Even so, he expects another challenging year for fixed income.
Colonna, 45, worked early in his career as a bond-fund manager at Freddie Mac in Washington, D.C., helping to run mortgage portfolios. He joined GE in 2000; nowadays he oversees GE's in-house teams of fixed-income and equity managers. "I want to make sure we continue to bring the groups together," he says. "And ensure we have the right platforms and infrastructure for analytics." Those analytics are telling him to expect a good year for stocks, albeit with more volatility, and not another 30%-plus return.
GE Asset Management is not a typical mutual-fund family. For one thing, it has an institutional focus, which includes the $48 billion pension fund for General Electric. GE -0.7733952049497294% General Electric Co. U.S.: NYSE USD25.66 -0.2 -0.7733952049497294% /Date(1425506601305-0600)/ Volume (Delayed 15m) : 29372120 AFTER HOURS USD25.58 -0.08 -0.3117692907248636% Volume (Delayed 15m) : 2171643 P/E Ratio 17.52373147579048 Market Cap 260278582783.759 Dividend Yield 3.5853468433359312% Rev. per Employee 481469 More quote details and news » What's more, its $25 billion of mutual-fund assets aren't widely available. The Elfun Funds are open only to GE employees and their families, for example. But retail investors can buy shares of the GE institutional funds directly through LPL or TD Ameritrade.
Paul Colonna says that he and his team expected 2013 to be less volatile than the preceding year, especially as the investors gained confidence. "And we got that," he says. The firm wisely steered away from utilities and telecommunications stocks; those sectors struggled as rates rose and the economy improved.
On the fixed-income side, the firm's portfolio managers found opportunities in sectors that rewarded taking on more credit risk, such as high-yield bonds. "There's decent demand for credit products, and not a lot of net new supply," Colonna says. Even so, he expects another challenging year for fixed income.
Colonna, 45, worked early in his career as a bond-fund manager at Freddie Mac in Washington, D.C., helping to run mortgage portfolios. He joined GE in 2000; nowadays he oversees GE's in-house teams of fixed-income and equity managers. "I want to make sure we continue to bring the groups together," he says. "And ensure we have the right platforms and infrastructure for analytics." Those analytics are telling him to expect a good year for stocks, albeit with more volatility, and not another 30%-plus return.
Daria Foster
Company: Lord Abbett
Title: Managing Partner
Total AUM: $137 billion
2013 Ranking: 4
U.S. Retail Funds: 44
When asked about Lord Abbett's strong showing in this year's ranking, Daria Foster says there was no secret sauce.
The key: "It's making sure your focus is on the long term, and that your philosophy is consistently applied," says Foster, who has been the top executive at the closely held money manager since 2007.
Lord Abbett emphasizes fundamental and quantitative research, and pays close attention to risk. "We apply those disciplines every single day," says Foster, 59.
The firm's investment approach has paid off over various time horizons. Lord Abbett finished a very respectable 14th out of 55 fund families in the five-year ranking, and 15th out of 48 firms in the 10-year ranking.
Based in Jersey City, N.J., Lord Abbett is a much different firm than the one Foster joined in 1990 as director of fixed-income marketing. She was then charged with building up the firm's $2 billion institutional business. It has since grown to $32 billion.
Named partner in 1996, Foster helped to expand the firm's fund lineup, eventually overseeing retail fund distribution in 2005. In those early days, she recalls, the asset manager was known more as a large-company value manager. It began adding international stock funds in 2003. Nowadays, about two-thirds of Lord Abbett's assets are in fixed-income funds. The firm recently added two emerging-market debt funds, but Foster is quick to add, "We are not trying to be all things to all people."
There may be no secret sauce, but Lord Abbett does appear to have a recipe for investment success.
Leveraged loans, up 5.3%, were another bright spot, as were certain mortgage securities that benefited from rising rates. "As rates moved higher, the probability of refinancing dropped sharply," explains Bill Kohli, co-head of fixed income at Putnam. That helped securities such as agency-backed collateralized mortgage obligations, including those structured to pay only interest to bond holders. "As refinancing risk goes down, those securities go up in value," Kohli says, who points to Putnam Diversified Income Trust (PDINX) as a winner for that strategy, among others. The $5.4 billion fund's total return last year was 8.1%, besting nearly 90% of its Lipper peers.
Of the top five firms for 2013, Waddell & Reed ranked the lowest (18th) in the U.S. equity category, but the highest (8th) in tax-exempt bond funds. Putnam came in 28th for the municipal-bond category, while Natixis, GE, and Lord Abbett all ranked around the 50th percentile. Waddell's high ranking in the municipal-bond category is truly a case of relative performance winning out. The $731 million Waddell & Reed Municipal High-Income fund (UMUHX), which makes up about half its assets in high-yield municipal debt, lost 3.8% last year, but still finished in the top 10% of its category.
BUT ULTIMATELY, 2013 was driven by stock-pickers. "We went into [2013] thinking that stocks were a lot cheaper than bonds," says Bill Nygren, the well-regarded value manager with Chicago-based Harris Associates, a Natixis firm. Nygren's Oakmark fund returned 37.4% last year, placing it in the top 4% of its Lipper peer group. "We were helped by what we didn't own and what we owned more of," he says. The theme of safer, dividend-paying stocks such as utilities looked long in the tooth and too expensive, Nygren adds, and sectors such as technology, financials, and industrials "looked like they had a better opportunity." They did. Some of the fund's better performers last year were Principal Financial Group PFG -2.5858741798533385% Principal Financial Group Inc. U.S.: NYSE USD50.48 -1.34 -2.5858741798533385% /Date(1425506597782-0600)/ Volume (Delayed 15m) : 2142146 AFTER HOURS USD50.48 % Volume (Delayed 15m) : 16510 P/E Ratio 13.810547848258985 Market Cap 15240779351.1627 Dividend Yield 2.8526148969889067% Rev. per Employee 707739 More quote details and news » (PFG), with a total return of 77%; FedEx (FDX), FDX -0.8685779165483962% FedEx Corp. U.S.: NYSE USD174.62 -1.53 -0.8685779165483962% /Date(1425506482518-0600)/ Volume (Delayed 15m) : 1031909 AFTER HOURS USD174.64 0.02 0.011453441759248654% Volume (Delayed 15m) : 3679 P/E Ratio 22.00971478911392 Market Cap 49905581156.5369 Dividend Yield 0.4581376703699462% Rev. per Employee 288660 More quote details and news » which gained 58%; and MasterCard MA 0.8134549851599429% MasterCard Inc. Cl A U.S.: NYSE USD91.71 0.74 0.8134549851599429% /Date(1425506443778-0600)/ Volume (Delayed 15m) : 4660770 AFTER HOURS USD91.6 -0.11 -0.11994329953113074% Volume (Delayed 15m) : 73762 P/E Ratio 29.488745980707396 Market Cap 104474748190.239 Dividend Yield 0.6978519245447606% Rev. per Employee 919709 More quote details and news » (MA), with a total return of 71%.
David Herro runs the $28.8 billion Oakmark International fund (OAKIX). With a total return of 29.3%, the fund bested 97% of the funds in its Lipper group, no doubt helping propel Natixis to the No. 2 spot for the World Equity category.
The key to that fund's performance? "Getting exposure to Japan and being extremely overweight [there] at the beginning of the year, and having a moderate overweight in global financials," Herro says. The Nikkei finished 2013 up nearly 60% in local currency. "If you weren't exposed there, that hurt you," recalls Herro, who says his weighting in Japanese stocks peaked last year at about 25%, some seven percentage points more than the fund's benchmark, the MSCI World ex-U.S. Index. Stocks that helped the fund's performance included Daiwa Securities (8601.Japan), Toyota Motor 7203.to -0.604043392504931% Toyota Motor Corp. Japan: Tokyo JPY8063 -49 -0.604043392504931% /Date(1425589200000-0600)/ Volume (Delayed 20m) : 7330200 P/E Ratio 12.605725184872504 Market Cap 27808827660000 Dividend Yield 2.852536276820042% Rev. per Employee 78771800 More quote details and news » (7203.Japan), and Credit Suisse CSGN.vx 0.7843137254901961% Credit Suisse Group AG Switzerland: SWX Europe CHF23.13 0.18 0.7843137254901961% /Date(1425511871000-0600)/ Volume (Delayed 15m) : 4781587 P/E Ratio 21.027272727272727 Market Cap 36884526907.4225 Dividend Yield 3.0263726761781236% Rev. per Employee 788457 More quote details and news » (CSGN.Switzerland), all of which gained more than 25% last year.
THE TWO NATIXIS GEMS -- Oakmark and Loomis Sayles -- have always been consistent performers. But the comeback story is still No. 2-ranked Putnam. In the last two years, Putnam has made a big climb under Bob Reynolds, a longtime Fidelity executive who took over the then-struggling firm in July 2008. After finishing near the bottom of our ranking two years ago, Putnam shot up to No. 1 last year, propelled by very strong performances in U.S. and world equities, and both bond categories. This year's second-place ranking reflected another strong showing across all categories -- second in U.S. equity, ninth in World Equity, 15th in Mixed Equity, seventh in taxable bonds and 28th in municipal bonds.
A big lift to Putnam's U.S. equity ranking came from one of its flagship funds, Putnam Voyager, whose 2013 total return of 44.3% outperformed 97% of its Lipper peers. "There was no magic bullet; it was about broad-based stock-picking," says Nick Thakore, manager of the Putnam Voyager fund (PVOYX).
While getting into the right sectors was important, Thakore says, that wasn't what drove overall performance. "We didn't get most of our outperformance as a group by betting on those sectors." And it helped to underweight or avoid big-name disappointments such as International Business Machines IBM -0.9998136993106874% International Business Machines Corp. U.S.: NYSE USD159.42 -1.61 -0.9998136993106874% /Date(1425506515134-0600)/ Volume (Delayed 15m) : 3594165 AFTER HOURS USD159.5 0.08 0.050181909421653494% Volume (Delayed 15m) : 39470 P/E Ratio 13.285 Market Cap 159165917321.87 Dividend Yield 2.760005018190942% Rev. per Employee 244455 More quote details and news » (IBM), whose stock fell 2% last year. The fund's best performers included Facebook FB 1.6268844221105527% Facebook Inc. Cl A U.S.: Nasdaq USD80.895 1.295 1.6268844221105527% /Date(1425506400078-0600)/ Volume (Delayed 15m) : 27875757 AFTER HOURS USD80.99 0.095 0.11743618270597689% Volume (Delayed 15m) : 250929 P/E Ratio 72.22767857142857 Market Cap 222801348172.897 Dividend Yield N/A Rev. per Employee 1355150 More quote details and news » (FB), which more than doubled last year; Best Buy BBY 1.5569167942827973% Best Buy Co. Inc. U.S.: NYSE USD39.79 0.61 1.5569167942827973% /Date(1425506446830-0600)/ Volume (Delayed 15m) : 7665903 AFTER HOURS USD39.79 % Volume (Delayed 15m) : 112303 P/E Ratio 13.683414147666701 Market Cap 13742777289.6606 Dividend Yield 2.3121387283236996% Rev. per Employee 297707 More quote details and news » (BBY), which appreciated more than 200%, and Delta Air Lines DAL -1.3761467889908257% Delta Air Lines Inc. U.S.: NYSE USD45.15 -0.63 -1.3761467889908257% /Date(1425506531679-0600)/ Volume (Delayed 15m) : 9092055 AFTER HOURS USD45.1 -0.05 -0.11074197120708748% Volume (Delayed 15m) : 1272054 P/E Ratio 58.63636363636363 Market Cap 37735169902.0118 Dividend Yield 0.7973421926910299% Rev. per Employee 502550 More quote details and news » (DAL), which climbed more than 100%.
Putnam also acquitted itself well in the mixed-asset category, in which portfolio managers earn their stripes by making the right decisions based on their weightings of stocks, bonds, and cash.
"Our bread and butter is to utilize diversification," says Rob Schoen, co-head of the Global Asset Allocation Group at Putnam. "But last year was a dangerous year to be leaning heavily on diversification."
So last year, in portfolios like the $1.8 billion Putnam Dynamic Asset Allocation Growth fund (PAEAX) and the $1.4 billion Putnam Dynamic Asset Allocation Balanced fund (PABAX), Schoen and his colleagues were overweight equities and, concerned about rising interest rates, underweight U.S. Treasuries. They also saw better opportunities in sectors such as high yield, helping to boost performance in those funds, both of which finished in the top 15% of their respective peer groups, with the growth fund gaining 25% and the balanced fund up 19%.
Another special mention goes to MFS Investments. A consistent performer in our survey lately, MFS placed in the top 10 in each of the past three years -- a feat no other fund company has achieved in several years. Its No. 10 rank for 2013 was due in large part to finishing sixth in U.S. equities, thanks to the $30.3 billion MFS Value fund (MEIAX). Ranked in the top 10% of its peer group, the fund had a total return last year of 35.8%. One of the fund's managers, Steven Gorham, attributes its strong showing to seeds that were planted from 2010 through 2012, and even earlier in some cases.
One stock that helped the portfolio was Lockheed Martin LMT -0.4801680588205872% Lockheed Martin Corp. U.S.: NYSE USD198.97 -0.96 -0.4801680588205872% /Date(1425506527043-0600)/ Volume (Delayed 15m) : 841318 AFTER HOURS USD198.85 -0.12 -0.06031059958787757% Volume (Delayed 15m) : 10026 P/E Ratio 19.758689175769614 Market Cap 63094709786.0668 Dividend Yield 3.0155299793938783% Rev. per Employee 407143 More quote details and news » (LMT), a large defense contractor whose total return was 68%. Other good calls included Viacom VIAB -0.8673754896474538% Viacom Inc. Cl B U.S.: Nasdaq USD70.86 -0.62 -0.8673754896474538% /Date(1425506400100-0600)/ Volume (Delayed 15m) : 2697326 AFTER HOURS USD70.86 % Volume (Delayed 15m) : 754812 P/E Ratio 12.790613718411553 Market Cap 29027148096.561 Dividend Yield 1.8628281117696868% Rev. per Employee 1407070 More quote details and news » (VIAB), up 68%, and Honeywell HON -0.9515570934256056% Honeywell International Inc. U.S.: NYSE USD103.05 -0.99 -0.9515570934256056% /Date(1425506521829-0600)/ Volume (Delayed 15m) : 2419828 AFTER HOURS USD103.85 0.8 0.7763221737020863% Volume (Delayed 15m) : 86447 P/E Ratio 19.11873840445269 Market Cap 81428261827.3892 Dividend Yield 2.0087336244541483% Rev. per Employee 317331 More quote details and news » (HON), which gained 47%. The fund, says Gorham, tries to focus on "downside protection for our clients" while participating in up markets, though not necessarily beating them. Last year, it did both.
THE BOTTOM-RANKED fund families were a mixed bag of poor performance and poor relative performance. Finishing 60th, four places from the bottom, was State Street Bank & Trust, which was especially hurt by poor showings in U.S. Equity, World Equity, and the balanced-fund category. The bottom four finishers were BMO Asset Management, Wilmington Funds, State Farm Investment Management, and FolioMetrix.
Craig Rawlins, chief investment officer of BMO Global Asset Management, quibbled with Lipper's decision to put the BMO Large Cap Value (MLVIX) and the BMO Large Cap Growth (MLCIX) funds into multi-asset categories instead of value and growth, respectively. Though both funds are tiny, with little more than $200 million in assets for each, they're large relative to BMO's other funds, and their return of 34% (each) in 2013 could have nudged the firm a ever-so-slightly higher.
Hank Herrmann
Company: Waddell & Reed Financial
Title: CEO and Chairman
Total AUM: $28 billion
2013 Ranking: 5
U.S. Retail Funds: 20
Hank Herrmann, the CEO of Waddell & Reed Financial, wears many hats: chief executive of a publicly traded company, macro strategist, and chairman of the investment policy committee.
But his true colors emerge during the firm's daily morning meeting when the investment team gathers to hash out ideas. Skeptical, focused, and curious, Herrmann likes to probe and ask questions, just another analyst trying to come up with investment ideas. After all, that's how he started at Waddell: Herrmann, 71, grew up on Long Island and worked on Wall Street in the 1960s, before moving to the Midwest to work for Waddell & Reed in 1971 as a technology analyst.
Looking back on 2013, Herrmann says he expected stocks to return 7% or 8%, their historical average. Despite the big rise, "stock-picking was important," he says. "We have some 80 people focused on bottoms-up research, and that paid off."
Waddell & Reed Financial is parent to Waddell & Reed Investment Management, which finished fifth in our one-year table, thanks to a solid showing across all five categories. W&R funds are sold through the company's network of financial advisors. Waddell & Reed Financial is also parent to Ivy Investment Management, which is ranked separately, coming in at No. 11 this year. Ivy has $72 billion in 32 funds, many of which mimic those offered by Waddell.
In all, the fund complex oversees assets of $128 billion, much smaller than other publicly traded firms such as
What's more, the BMO Mid-Cap Growth fund (MRMSX) last year did not hold highflying stocks such as Netflix NFLX -1.040635335257315% Netflix Inc. U.S.: Nasdaq USD469.77 -4.94 -1.040635335257315% /Date(1425506400176-0600)/ Volume (Delayed 15m) : 2483701 AFTER HOURS USD469.65 -0.12 -0.025544415352193626% Volume (Delayed 15m) : 9696 P/E Ratio 105.80405405405405 Market Cap 28719005584.5813 Dividend Yield N/A Rev. per Employee 2246800 More quote details and news » (NFLX), Tesla Motors TSLA 1.4406694728402485% Tesla Motors Inc. U.S.: Nasdaq USD202.435 2.875 1.4406694728402485% /Date(1425506400172-0600)/ Volume (Delayed 15m) : 4205322 AFTER HOURS USD202 -0.435 -0.2148837898584731% Volume (Delayed 15m) : 16640 P/E Ratio N/A Market Cap 25097264070.4028 Dividend Yield N/A Rev. per Employee 545888 More quote details and news » (TSLA) or LinkedIn lnkd -0.11674324018980191% LinkedIn Corp. Cl A U.S.: NYSE USD265.23 -0.31 -0.11674324018980191% /Date(1425506522310-0600)/ Volume (Delayed 15m) : 1236290 AFTER HOURS USD264.53 -0.7 -0.26392187912377935% Volume (Delayed 15m) : 4587 P/E Ratio N/A Market Cap 33223785236.6092 Dividend Yield N/A Rev. per Employee 321700 More quote details and news » (LNKD) because those companies "either don't meet our criteria or have valuations that we think are high relative to what they offer," says Rawlins. As a result, the fund returned 29%, trailing 90% of its category.
Samuel Fraundorf, president of Wilmington Trust Advisors, notes that the Wilmington Large Cap Growth fund (VLCPX) has about 70% of its assets in large-company names, with the remainder in midsize stocks, which hurt relative performance, he says. And the Wilmington Multi-Manager International fund (MVIEX) was hampered by its 33% stake in emerging markets in the first half of last year.
Scott Hintz, assistant vice president of mutual funds at State Farm, says "while we participated in the market gain, we were not surprised at all" when told of that fund family's results. "It comes down to what worked in this market environment. And what didn't work was a high-quality, conservative risk profile [that we use in our funds]."
For example, the State Farm Growth fund (STFGX) returned 27% last year, but it trailed more than 80% of its peers in Lipper's large-cap core equity category. The fund was underweight technology, consumer cyclical, and financials, hurting its relative performance.
Whether a more-conservative approach to portfolio management works in 2014, after two straight years of outsize returns with other strategies, will be one of the key factors in deciding next year's Barron's/Lipper Fund Family Ranking.
How We Rank the Fund Families
To qualify for the Barron's/Lipper fund survey, a group must have at least three funds in Lipper's general U.S.-stock category, as well as one in world equity, which combines global and international funds. (Last year was the first time we included the performance of emerging-market funds in the world-equity category, though fund companies are not required to offer one.) We also require at least one mixed-asset (or balanced) fund, which holds stocks and bonds. Fund shops also must have at least two taxable-bond funds and one tax-exempt offering.
Each fund's returns are adjusted for 12b-1 fees, which are used for marketing and distribution expenses. Funds typically factor these fees into returns, which better reflects the returns investors would see after these annual fees have been deducted. But our aim is to measure the manager's skill, uncomplicated by expenses. Fund loads, or sales charges, aren't included in the calculation of returns, either.
Each fund's return is measured against those of all funds in its Lipper category (such as small-value). That leads to a percentile ranking, with 100 the highest and 1 the lowest, which is then weighted by asset size relative to the fund family's other assets in its general classification. If a family's biggest funds do well, that boosts its overall ranking; poor performance in the biggest funds can hurt a firm's ranking.
Finally, the score is multiplied by the weighting of its general classification, as determined by the entire Lipper universe of funds. The category weightings for the one-year results: general equity, 40%; world equity, 17%; mixed-asset, 18%; taxable bond, 22%; and tax-exempt bond, 3%. The category weightings for the five-year results: general equity, 42%; world equity, 16%; mixed-asset, 18%; taxable bonds, 21% and tax-exempt bonds, 3%. The category weightings for the 10-year results: general equity, 44%; world equity, 15%; mixed-asset, 17%; taxable bonds, 20%; and tax-exempt bonds, 4%.
The scoring: Say a company has a fund in the general U.S. equity category that has $500 million in assets and that it accounts for half of the company's assets in that category. Its ranking is the 75th percentile. The first calculation would be 75 times 0.50, which comes to 37.5. That score is then multiplied by 40%, general equity's overall weighting in Lipper's universe. So it would be 37.5 times 0.4, which equals 15. Similar calculations are done for each fund in our study. Then, all the numbers are added up for a total score. The fund shop with the highest score wins, both for every category and overall. The same process is repeated for the five- and 10-year rankings based on their weightings.
E-mail: firstname.lastname@example.com


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Chocolate Mousse With Chai Spices
This super simple, melt in your mouth, creamy chocolate mousse recipe gets kicked up a notch with our Rose & Chai spices- for a very romantic dessert idea.
by rawspicebar15French Macarons With Rose & Chai Spices
Gingery, peppery chai spices with cinnamon, nutmeg, rose petals and ground North Indian tea infused in ganache and macaron shells. We love this super light and fluffy French treat as is- but the added chai flavor and texture kicks it up to just the right spicy notch.
by rawspicebar15Nankhatai Cookies With Rose & Chai Spices
We've updated this centuries old Indian shortbreads cookies recipe by adding freshly ground rose buds & chai spices. Nankhatai comes from the Persian word "nan" (meaning bread) and the Afghan word "khatai" (meaning biscuit). These little shortbread cookies are said to have originated in Surat in the 16th century, when the Dutch were prominent spice trading partners with the Indians. An Iranian man ran a European style bakery here but, once the Dutch explorers left, had to adapt to low-cost sweet treats for locals. Traditional North Indian Nankhatai do not use any leavening agents but these days a small amount of baking powder and salt is added to give these cookies a lighter feel.
by rawspicebar15Dishfolio's Better Photography eBook
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Punjabi Chicken Tikka Masala
A balanced blend of Punjabi spices, tender, charred chicken and garlicky ginger tomato sauce served up with rice or naan, chicken tikka masala is the perfect comforting winter dish. However, the origins of chicken tikka masala are the subject of hot debate. According to legend, a UK chef invented the dish over 50 years ago when a customer complained of the chicken tikka being too dry. One can of tinned tomato soup later, chicken tikka masala was born. Others, more seriously, claim the origins of chicken tikka masala date back to the Mughal period when Mughali chefs served royalty the dish. According to Delhi's authoritative street food expert, Rahul Verma, said he first tasted the dish in 1971 and that its origins were Punjabi. "Its basically a Punjabi dish not more than 40-50 years old and must be an accidental discovery which has had periodical improvisations," he said. Regardless of its origins, chicken tikka masala has come to be loved the world over, which is why we're so excited to cook with it using RawSpiceBar Tandoori Spices & Punjabi Garam Masala blends.
by rawspicebar15Bundt cake recipe
Nothing fancy just a simple and incredible pound cake recipe that gets an extra boost of flavor from milk and sugar glaze.
by ruchiskitchenEggless Cupcakes
How about some Eggless Cupcakes what all I can say about them – moist, fluffy, light and super delicious!!! These cupcakes are prepared with cake flour and topped with a basic powdered sugar and cream cheese frosting. Easy to follow step by step guide to the yummiest and tasteful cupcakes!
by ruchiskitchenNon Fried Sabudana vada
Pan toasted sabudana vada and sabudana vadas in APPE PAN. No doubt the fried way is the crunchier and munchier way of enjoying vadas but pan toasted are equally good and above all they are healthy and tasty.
by ruchiskitchenSabudana khichdi or spicy tapioca salad
Sabudana khichdi or spicy tapioca salad recipe is a popular vrat/fasting food. Soaked Sago pearls or tapioca is sauteed with bite size potatoes, peanuts and mild spices.
by ruchiskitchenChurro Rice Krispy Treats
Churro Rice Krispy Treats - who needs the fair when you can make these right at home?
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by happyfoodhappyhomeCoconut Buttermilk Skillet Cake
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This desert will most definitely give you warm feelings inside. Lovely warm apricots with orange sirup flavored mascarpone cheese. Recipe for 4 people.
by ohmydishThe Perfect Hard Boiled Egg
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by craftycookingmamaHoney Sriracha Chicken
Super quick & seriously flavourful - honey sriracha chicken! My other half's new favourite.
by KitchenMasonNo-Bake Apple Pies
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by Ancestral ChefItalian grilled sandwiches
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by My cooking heavenItalian tomato soup (1)
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by My cooking heavenButtermilk Blueberry Muffins (4)
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by mmkitchenbitesEASY OATMEAL RAISIN COOKIES
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by IFoodBloggerTangy Vegetarian Lentil Salad
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by TheCityLane


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Lyrics » Fuel Lyrics » Won't Back Down Lyrics |
Lyrics Depot is your source of lyrics to Won't Back Down by Fuel. Please check back for more Fuel lyrics. |
Won't Back Down LyricsArtist: Fuel(and the void you learned from me) The isolation steams (So I think it wants to bleed) The echoes in my brain (All the things you said to me) You took my everything Now I'm coming for you! [Chorus:] I won't back down I will not fail I've come to bring you down I live again Things you did I've come to bring you down The shadows that you see (In the places that you sleep) Are memories of me (Better pray your soul to keep) The truth behind your eyes (You know the thing you never see) Your darkest little lies I'm coming for you! [Chorus] All the scars that never heal All the wounds that will not heal I will not forget the day These memories never fall [Chorus] I've come to bring you in I've come to bring you down [x4]
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We do our best to keep the DMV hours and days of operation up to date. These can change frequently, We suggest confirming with your local office before your visit.
Grand Marais DVS of Grand Marais, Minnesota
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Grand Marais, MN 55604
DMV Phone Number
(218) 628-4925
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Services Provided at this DMV
- Written Test
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- Disabled Parking
- Wheelchair Accessible
Notes: Tests are available on the second and fourth Tuesdays of each month. Written tests are held at 10 a.m. Road tests are given between 8 a.m. - 10 a.m. and from 1 p.m. - 2 p.m.
Online ServicesDMV Office Hours
Daily Hours:
- Tuesday
- 8:00am -2:00pm
Please Note:
DMV Holidays
Martin Luther King Jr. Day, Presidents Day, Memorial Day, Independence Day, Labor Day, Veterans Day, Thanksgiving Day and the following Friday, Christmas Day
DMV Payment Options
- - Cash
- - Check
Local Grand Marais Auto Services
Grand Marais DVS
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DPS & MVL Locations near Grand Marais DVS
- Grand Marais Drivers License 0.8 miles
- Lutsen DVS 17.4 miles
- Silver Bay DVS 53.8 miles


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Wes Gordon Spring 2013 | Pictures
Wes Gordon Spring 2013
With an inherent love of Autumn, Wes Gordon set about designing his Spring collection with a mission: "to love Spring as much as Fall." So he turned to a "High Priestess" theme, drawing from a darker side to craft a lineup emboldened with deeper hues and ample texture — dresses were washed in brilliant reds, and cocktail confections were finished with either a touch of glitter on inky backgrounds or with black-on-black embellishment. Asymmetrical hemlines and deep necklines too pointed to some sultrier forces at work — we were spellbound by the subtle sexiness that seemed to hypnotize as it drew you in. That's what Gordon did so well here; even while finding inspiration in more subversive subjects, he didn't look to shock with his darker themes. Instead, he pulled you in ever so slowly, enticing and seducing with a contemporary balance, introducing, too, an icy palette and a touch of glitter that's beautiful and bewitching, yes, but more importantly, totally wearable.
- Trends: Leather, crop tops, sheer details, bold print, asymmetrical hemlines, lace, and flared pants.
- Colors: Mint, black, white, red, and olive.
- Key Piece: We were drawn to the subtle sex appeal of both the red and white trouser and top sets with the deep necklines.
- Accessories: Manolo Blahnik for Wes Gordon ankle-strap pointed-toe pumps.
- Who Should Wear It: We hope to see Wes Gordon fan Lena Dunham in the olive and white printed dress; Diane Kruger would look gorgeous in the embellished and textured dramatic LBD.
- ASAP Rocky is basically a wizard when it comes to clothes — The Cut
- Even accessories have accessories now — Style.com
- Meryl Streep's daughters just landed a cool new fashion gig — HuffPost Style
- Elizabeth Taylor always wore the best jewels — InStyle
- Would you buy an Apple Watch just to make a statement? — Racked
- The shirtdress may be making a comeback this Spring — SheFinds
- Why you should be on board with dresses over pants — Who What Wear
- Kate Spade Saturday is having a crazy-good sale right now — Lucky
- 1 woman weighs in on whether or not we need fashion — Man Repeller


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Brunswick County looking for input on new superintendentA school superintendent is not elected by voters, but you can still have a say in who fills that role; at least that's the case in Brunswick County.
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. » |
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Commerce Club Atlanta
Main Number: 404.222.0191
Our Story
Directions & Hours
Contact us about touring the Club.
Set Up a Tour Find us on
Our Location
Commerce Club - Atlanta
One Ninety One Peachtree Tower191 Peachtree St. NE 49th Floor
Atlanta, GA 30303-1761
Copyright ©2015 by ClubCorp. All Rights Reserved.


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We spent two nights here. It had everything we needed and the staff were really helpful. The room was spacious and clean. We had a small patio, breakfast was good too. It's very central to the centre of this pretty town.
- Reservation Options:
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Throwing Pure Sodium Into a Pond Watch what happens when you throw a chunk of pure sodium in a pond. 6/13/2014 11:57:38 AM 19,264 71
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Thanks Georgiana and Fimbis. Agnes, thank you! Makes all the difference when someone buys an original painting from you doesn't it :-)
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Edit Photo Cover Majalah Gratis
Edit Photo Cover Majalah Gratis is a program collection with 55 downloads. The most lightweight of them are BetterJPEG (sized at 766,124) and ACDSee Pro (sized at 982,258), while the largest one is Corel VideoStudio 2010 Express with 819,409,194 bytes. It includes 18 freeware products like Photo Wizard and FLIP Flash Album Free Edition as well as commercial software like DVD Cover Gold ($8.23) and Photo Makeup Editor ($29)
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