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Size Matters for Single-Family REITs, Analyst Says
NEW YORK ( TheStreet) -- An ability to scale up rapidly will be a key differentiator that will separate winners from the losers in the single-family rental business, according to FBR Capital analyst Steve Stelmach.
"Low cost of capital and scale -- not the transitory effects of regional rental yields, acquisition types, or maintenance expenses -- will be the differentiators for the space as this sector develops," he wrote in a report Monday.
The business of buying up single-family homes at distressed prices, fixing them up and converting them into rentals has attracted institutional investors in droves over the past year.
Now a number of them are lining up to raise money from the public. While Silver Bay (SBY - Get Report) and recently listed American Residential Properties (ARPI - Get Report) are the only public companies, others including Colony Capital's (CLNY - Get Report) single-family arm and Oakland, California-based Waypoint Homes have filed to go public.
But the institutionalization of single-family rental business -- traditionally operated locally by mom-and-pop real estate investors -- is still in its infancy and remains an unproven business model.While not everyone can be winners, larger REITs will have an advantage, according to a report published Monday by FBR. "At the end of the day, we believe this sector will ultimately have only a handful of large competitors, as returns will compress as home prices grow, thus creating a much higher barrier to entry for hopeful entrants in just a few years," Stelmach wrote. Right now, opportunity is ripe for acquisition of properties as "shadow inventory" -- loans in some stage of foreclosure process or seriously delinquent -- should provide a steady supply of homes over the next one to two years. Core Logic estimates shadow inventory at 2.2 million. However, shadow inventory will "eventually dwindle" and the opportunity to buy homes at deep discounts will shrink. At that point, the industry will go through a consolidation and larger REITs with low cost of capital will likely benefit. "The dwindling supply will, we believe, lead large REITs to look toward smaller competitors that are either finding it difficult to manage their current portfolios or looking to monetize the price gains they will have likely realized. We believe the larger REITs will be able to acquire these portfolios at an advantageous cost of capital and at prices that are still economically beneficial to shareholders, while also limiting the competition within the space," Stelmach wrote.
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- Purple Potatoes. These can lower your blood pressure numbers by a respectable 4%. Violet-hued potatoes are packed with anthocyanins, the same chemicals found in berries that rev up your body's artery-pampering antioxidant defenses. Pink, red and blue potatoes contain them, too!
- Raisins. Snack on these instead of chips, cookies or other processed stuff and you'll lower your blood pressure by 5% to 10%. Raisins contain blood-pressure-friendly potassium, as well as fiber and beneficial compounds called polyphenols that keep artery walls flexible (stiff blood vessel walls raise blood pressure). Toss raisins in other blood pressure-friendly foods, such as oatmeal, salads, homemade banana bread or plain, nonfat yogurt.
- Walnuts, pumpkin seeds and cashews. The healthy fat in walnuts keeps inflammation out of your arteries, and the magnesium in all these goodies can lower your systolic blood pressure reading (the top number, which reflects blood pressure at pumping time) by three to four points and your diastolic blood pressure reading (bottom number, which reflects blood pressure at rest) by two to three points. Magnesium helps keep a lid on blood pressure by balancing levels of sodium and calcium in and around your cells. It also helps arteries chill out and relax. You'll get 150 mg of magnesium from an ounce of shelled pumpkin seeds and 81 mg in the same little handful of cashews. That's a good start toward the 400 mg to 500 mg of magnesium you need daily. Make sure your multivitamin contains at least 100 mg of magnesium to top off your tank.
- Protein. Instead of that doughnut, reach for plain, nonfat Greek yogurt, leftover roast chicken, a slice of smoked salmon or a handful of nuts. By doing so you may lower your systolic blood pressure number by five points and decrease your diastolic blood pressure number by one point. Protein keeps your blood sugar levels lower and steadier. Refined foods increase blood sugar, sending blood pressure along for the ride.
- Dark chocolate. Pairing a square of dark chocolate with berries, orange sections or your favorite fruit is like sending your arteries to a day spa. Eating a half ounce of dark chocolate regularly can drop your blood pressure numbers by five points -- enough to lower your risk for a heart attack or stroke by 20%. Credit the flavonols packed into dark chocolate. They boost production of artery-relaxing nitric oxide.
A Answers (13)
Michael Roizen, MD, Internal Medicine, answeredTo lower your blood pressure, enjoy these blood-pressure-lowering foods:Helpful? 11 people found this helpful.
The best way to lower your blood pressure via food is to consume a lower sodium diet. Most Americans consume 2-3 times the recommended sodium intake daily. Focus on fresh foods and less packaged foods. The recommendation for sodium for most people is less than 2,400 mg sodium daily (this is about a teaspoon of salt per day!). Where we find the majority of sodium in our diets come from pre-packaged foods such as: canned foods, frozen dinners, deli meats, seasoning packets, canned soups and from dining out. Try preparing the majority of your meals at home and ditch the salt shaker!Helpful? 2 people found this helpful.
Elizabeth Berry, Nutrition & Dietetics, answeredTry working up to eating 5-7 servings of fruits and vegetables each day. The other thing you can do to potentially see big results is eat a lot less sodium.Helpful? 1 person found this helpful.
HealthCorps answered
One of the best diets to help you to lower your blood pressure is called the DASH Diet. Specifically you want to eat foods rich in potassium like vegetables, fruits, fish, beans, and low-fat dairy like milk and yogurt. Avoid high sodium foods like soups, processed meats, pizza, and many restaurant dishes that are typically salted for flavor.
Helpful? 5 people found this helpful. -
Janet Brill, PhD, RD, Nutrition & Dietetics, answeredFoods you can eat to lower blood pressure include healthy sources of potassium like spinach and bananas, as well as calcium, like low-fat dairy products. Watch nutritionist Janet Brill, PhD/RD, share her favorite foods for those with hypertension.
Marjorie Nolan Cohn, Nutrition & Dietetics, answered on behalf of Academy of Nutrition and DieteticsWhen it comes to blood pressure the better question to ask is "What shouldn't I eat?" Sodium (or salt) is the main culprit in your diet when it comes to blood pressure. Being overweight or obese, and having a high stress level also have a role in blood pressure. But when it comes to food, the main things you need to be aware of sodium content. Almost all foods have sodium, but there are some that are particularly high such as jarred or canned foods, cured meats, cheese, pickled foods, saltwater crab and fishes, soy sauce, and of course table salt.Helpful? 1 person found this helpful.
Ozgen Dogan, Cardiology, answeredIf you have high blood pressure, you should increase the amount of potassium, calcium and magnesium in your diet. Tomatoes, oranges and fish are rich in potassium. Milk and cheese contain calcium. If you have cholesterol issues, you can get your calcium from supplements. Magnesium is found in greens, hazelnuts, peas and beans. Lots of fruit and vegetables and little fat is the best diet for a high blood pressure patient. Omega-3, which you can get from cod-liver oil or supplements, also reduces blood pressure. Studies have shown that dark chocolate also has blood pressure-reducing effects. After these diet changes, if your blood pressure is still high, medication may be necessary.Helpful? 3 people found this helpful.
Chelsea Dierkes, Nutrition & Dietetics, answered
Consuming less sodium can help lower blood pressure. The majority of our sodium intake comes from the foods that we eat (75%) versus the sodium we get from the salt shaker (25%). Start by reading food labels (especially on processed foods) and aim to reduce your intake to 2,300 mg. If you already have high blood pressure, a good goal would even be 1,500 mg per day. Also, if you are overweight or obese, weight loss can help to lower blood pressure.
A diet high in fruits and vegetables, whole grains, lean protein, and some healthy fat is the best diet to lower blood pressure. Limit sodium intake to under 2000 mg. per day. Cocoa has been shown to contain flavonoids that can help keep blood pressure stable.Helpful? 2 people found this helpful.
A healthy diet rich in whole grains, fruits, vegetables and low-fat foods can lower your blood pressure and promote overall heart health.
Reduce sodium in your diet can also help. Limit sodium to 2,300 milligrams (mg) a day or less. A lower sodium level of 1,500 mg a day or less is best for people 51 years of age or older, and individuals of any age who have high blood pressure, diabetes or chronic kidney disease.
The DASH (Dietary Approaches to Stop Hypertension) diet emphasizes vegetables, fruit and low-fat dairy foods — and moderate amounts of whole grains, fish, poultry and nuts.
Improving your diet and exercising regularly is the best treatment option to control high blood pressure -- in addition to any prescribed medication.Helpful? 1 person found this helpful. -
If you have high blood pressure, you should limit sodium intake to less than 1,500 mg per day. To achieve this goal you'll have to cut way back on packaged foods and most restaurant meals. But lowering blood pressure with diet goes way beyond just limiting the sodium you eat. In fact, there are several foods you can add to your diet that help lower blood pressure. Eat plenty of fruits and vegetables. Sweet potatoes, lima beans, spinach and oranges and bananas are especially high in potassium, which naturally lowers blood pressure.
These recommendations and more are part of the Dietary Approaches to Stopping Hypertension (DASH) diet which has been shown to lower blood pressure. It emphasizes fruits, vegetables, whole grains and low-fat dairy foods.
Helpful? 2 people found this helpful. -
Joan Salge Blake, MS, RD, Nutrition & Dietetics, answered on behalf of Academy of Nutrition and Dietetics
Processed foods are the biggest sources of sodium in our diets. While losing excess weight and cutting back on dietary sodium can have a dramatic impact on lowering high blood pressure, there are also certain foods that you can eat that may also help.
The following advice may help you eat to beat high blood pressure:
Pump up the Potassium-Rich Foods in Your Diet: A diet adequate in potassium lowers blood pressure by causing the kidneys to excrete excess sodium from the body. Ridding the body of sodium will help lower blood pressure. Potatoes, orange juice, yogurt, bananas, and beans are all potassium powerhouses.
Eat at Least 4.5 cups of Fruits and Veggies Daily: Mother Nature's finest are naturally low in sodium and rich in potassium, making them a dynamic duo. Because fruits and veggies are also rich in fiber and water, they will "fill you up before they fill you out" and help cut back on the calories typically eaten at a meal. Cutting calories in your diet can reduce pounds around your waist. If overweight, losing as little as 10 pounds can reduce a person's blood pressure and may actually prevent high blood pressure in many folks even if they haven't yet reached a healthy weight. Devote half of your plate at every meal to fruits and vegetables otherwise you'll never reach the 4.5 cup minimum quota daily. Have a piece of fruit at breakfast, load your lunchtime sandwich with layers of tomatoes and lettuce, and accompany it with a side salad. Grab a seasonal apple (this is the sweet season) for dessert. At dinner, beef up the veggies that you make. If fresh veggies are not available, reach into the freezer for easy-to-prepare, plain frozen vegetables.
Pass the Milk, Please: Low fat and skim milk, as well as soymilk, are not only rich in potassium but also calcium and magnesium, other minerals that can help lower blood pressure. Start your day with a bowl of whole grain cereal smothered in skim or low fat milk or soymilk. Cook your hot oatmeal with milk rather than water, and order your morning latte with low fat milk rather than cream.Helpful? 2 people found this helpful. -
HealthyWomen answeredIf you or someone in your family has high blood pressure or risk factors for high blood pressure, you may need to reduce the salt and fat in your cooking to help control the disease. Why?
- Too much salt in your diet makes your body hold on to more water, which raises your blood pressure and puts strain on your heart and kidneys.
- A diet high in harmful fats can play a role in developing heart disease or raising blood pressure.
- Sure, it matters what you eat -- but too much food of any kind can cause you to gain weight, which can also lead to higher blood pressure.
- Do: Potassium. In your body, too much sodium raises your blood pressure, but potassium balances out the extra salt. Where can you get potassium? Plain baked potatoes, for starters. Also try bananas, avocados, dried apricots, plain yogurt, raw spinach and cooked white beans.
- Don't: Sodium. Salt shows up where you don't expect it. Nearly half of the sodium we consume comes from 10 food categories: bread and rolls, cold cuts/cured meats, pizza, poultry, soups, sandwiches, cheese, pasta mixed dishes, meat mixed dishes and savory snacks.
- Don't: Harmful fats. Full flavor without all the fat is possible. Saturated and trans fats are two types of dangerous fats found in many commercial baked goods (think cookies and crackers) and animal products (red meat and dairy products like whole milk, cheese, sour cream, butter and ice cream).
- Sodium: 1,500 milligrams (mg) daily for those with high blood pressure (2,300 mg for others)
- Potassium: 4,700 mg a day of potassium
- Saturated fats: less than 10% of your daily calories
- Trans fats: as low as possible

subset: commoncrawl


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All SMU Adventurers
All Adventures, By Month
This Just In…
Where Are They?
SMU students are having amazing adventures. Click on a continent to get started.
Monthly Archives: February 2014
Why the Residential Commons?
An update from Miroslava Detcheva, Faculty in Residence (FiR) for the McElvaney Residential Community: Why do we need the Residential Commons? This is a question many students have asked me. Personally, I see the Residential Commons (RCs) as melting pots … Continue reading
Posted in SMU Faculty in Residence
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Dinner Conversation
An update from Jamie, a member of the Residential Commons Leadership Corps and a second-year student majoring in accounting in the Cox School of Business. I type in the code and step into a warm room amongst the cold outside. The smell … Continue reading
Posted in Residential Commons Leadership Corps
Tagged Delta Gamma, Faculty In Residence, Oxford, Res Commons
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Signing Day with a Side of Sugar
An update from Dr. Mark Kerins, Faculty in Residence (FiR) for the Morrison-McGinnis Residential Community: Prep for next year continues, and the pace is now picking up as the launch date for the RCs gets closer. Last Friday I met with … Continue reading
Posted in SMU Faculty in Residence
Tagged children, cupcakes, first years, housing, Morrison-McGinnis, RA Selection Day, RA's
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El Tertuliano
Vengan, vengan todos! Hace demasiado frio!! Our profesora, Marta Beriso Lopez, herded us into her countryside home, an hour and a half outside of Madrid. The five students in our art history class were joining her and her mother for … Continue reading
Posted in Olivia Abroad
1 Comment
It's a Team Effort
An update from Dr. Robert Krout, Faculty in Residence (FiR) for the Mary Hay/Peyton Residential Community: Going into this year as a FiR in Mary Hay-Peyton Halls/Fine Arts Community, I knew that I would be working with RLSH staff, RAs, … Continue reading
Queens and Castles
Kronborg Slot: Our host father, Michael, took us on a tour of Kronborg slot, the castle famous for being the setting of William Shakespeare's Hamlet. Our host father grew up in Helsingør so he was our professional tour guide, showing … Continue reading
Posted in Lisa in Denmark
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5 Great Resources for Your Weekend Trips
Studying abroad, whether for a summer or a semester, will most likely involve a variety of weekend trips. Some of these trips may allow three days to explore a city, and some may span only an afternoon. Here are some resources … Continue reading
Posted in Olivia Abroad
1 Comment
One Month!
It's been a month here in Denmark now and it feels that time has gone by very fast! I have been engaged in all of my classes and I am greatly enjoying studying here. Studying abroad has made me gain … Continue reading
Posted in Lisa in Denmark
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Field trip to Sweden
Lisa and classmates took a field trip to Sweden as part of her SMU-in-Copenhagen coursework. Read her blog.
Posted in Photo of the Week
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August 2014 Can't Come Soon Enough
An update from Miroslava Detcheva, Faculty in Residence (FiR) for the McElvaney Residential Community: The Residential Commons (RC) are opening their doors to all freshmen and sophomores for the first time in SMU history this August (2014). What once seemed … Continue reading


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Arguably the first ever Rolls Royce saloon produced that was as nice to drive as it was to be driven in, this one family... More
1971 Chevrolet Chevelle SS. More pictures available on our website TSFAutoSales.com. Please call us or email with any questions you might have and to... More
This 1972 Chevrolet C20 3/4 Ton 2 Door Pickup Fleetside Long Wheel Base Pickup (Stock # B11104) is available in our Benicia, CA showroom... More
1972 Plymouth Satellite Sebring Plus two-door, baby robin blue, straight body, 318 small block V8 motor, 141,000 miles, one owner, $10,000, negotiable. Located in... More
This 1976 Mercedes Benz 450SL 2 Door Convertible (Stock # B11105) is available in our Benicia, CA showroom and any inquiries may be directed... More
1970 Volkswagen Dune Buggy Rail, This is a very nice VW Rail that has all the bells and whistles, a true fun machine that... More
Beautiful 1970 Buick Electra 225 convertible in excellent condition. Only 90,000 miles. Stored in garage. Asking $33,000.... Call Mary @ 615-773-8735 or Scott @ 615-758-5906... More
1977 AMC Pacer D/L Wagon, The Good: One owner, 43,000 original mile complete car No rust Southern car always in covered carport Very nice interior 258ci inline 6 cylinder automatic... More
This is a 1974 Porsche 914 2.0 Liter Targa that can be used as a nice driver. The car is in the rare and... More
MG B Cabriolet burgundy red chrome wire wheels Beautiful 1973 burgundy red MGB for a good price. Chrome wire wheels, chrome luggage rack and wooden... More
242-1974 Corvette-UNRESTORED ORIGINAL WITH ONLY 3,900 MILES! Of the 37,502 Corvette's produced in 1975, less than 10%, 3494, were built with the last-year big... More
Diamond Jubilee, gold exterior and gold velour interior, 460 V8, 88,000 miles, repainted, no rust, excellent mechanical and exterior, interior has some wear, transmission... More
1970 Chevrolet Camaro Z/28Freshly rebuilt 350 cui. Rare column shift 3 speed Automatic Transmission. Painted correct Citrus Green with Black stripes (code 42). Factory... More
an original 1973 Dodge Challenger Ralleye edition - Only 43k miles!! Car was kept inside under cover since 1974 - still has the 1973... More
JUST INDodge Challenger . (PLUM CRAZY PURPLE) 440 magnum, 727 trans, 8-3/4 rear, new exhaust (sounds awesome) very nice car inside & out! ralley... More


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Jump to: M Number of items: 1. MMacDonagh, R., Porter, T., Pontin, D. and Ewings, P. (2004) The ED-EQoL: The development of a new quality of life measure for patients with erectile dysfunction. Quality of Life Research, 13 (2). pp. 361-368. ISSN 1573-2649 This list was generated on Sat Feb 28 03:01:45 2015 GMT. |


text: Delete NSFW Crimson Locks Oct 12, 2012 at 04:23PM EDT Adds an article for an advice animal right away, commenters get pissed and say KYM is rushing. Waits to add article on advice animal, commenters say KYM is late to the party Fuck KYM, right? But in all seriousness, I kinda like this one (emphasis on kinda). I'm gonna need to see some actual spread before I can confirm this. +18 Reply


text: A mid-year update..Hello everyone It's a Friday night and I'm feeling alright so I thought I'd write out an update just as we approach the middle of the year~Time is flying and some pretty big milestones in my life are coming up. I'm turning 18 in September and my Year 12 exams are in November. University plans have been going back and forth in my head but for now I'm trying to take it all one day at a time. it's only gonna get tougher from here but I'm confident I can smash through it.Cosplay time: I've been laying low since Supanova due to studies but I had some time last weekend to attend a gaming tournament in Melbourne with :iconbbchibi: which was pretty fun and may have opened up a few awesome opportunities for us in the future (Can't say anything for now)I've been organizing my next couple of costumes: I really want to pump out Kilik (Soul Eater), Tiger Jackson (Tekken) and Zimos (Saints Row 3) as quickly as possible. I haven't decided if I want to shoot the latter two or just keep them con-


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XBLIG Uprising Preview: qrth-phyl. That's not a typo, that's the title | Clearance Bin Review
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Turf Toe: Symptoms, Causes, and Treatments Center - Mobile, ALWebMD Physician DirectoryMobile, AlabamaTurf ToeWhat Causes Turf Toe?Turf toe is a sprain to the ligaments around the big toe joint, which works primarily as a hinge to permit up and down motion. Just behind the big toe joint in the ball of your foot are two... !--*ICCChunk-2645*-->Other Related Turf Toe: Symptoms, Causes, and Treatments ArticlesEmergency Contact for Mobile
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Welcome to Expat Exchange's Pakistan Forum. This expat forum is perfect place for expats living in Pakistan and people considering a move to Pakistan. Since 1997, Expat Exchange has been connecting expats in Pakistan.
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Definition of bondstones
plural of bondstone 1
The word "bondstones" uses 10 letters: B D E N N O O S S T.
No direct anagrams for bondstones found in this word list.
Adding one letter to bondstones does not form any other word in this word list.
Words within bondstones not shown as it has more than seven letters.List all words starting with bondstones, words containing bondstones or words ending with bondstones
All words formed from bondstones by changing one letter
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Launcher Update
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70 Barbarian
63 Demon Hunter
50 Monk
53 Barbarian
13 Crusader
10 Wizard
2 Witch Doctor
+713 Strength
+21% Life
Regenerates 6878 Life per Second
Critical Hit Chance Increased by 6.0%
+32% Extra Gold from Monsters
Ranged and melee attackers take 1934 damage per hit
+789 Strength
+96 Resistance to All Elements
+13% Life
+33% Extra Gold from Monsters
Increases Gold and Health Pickup by 2 Yards.
+433 Strength
+485 Vitality
+97 Resistance to All Elements
+12% Movement Speed
Monster kills grant +191 experience.
Health Globes and Potions Grant +26196 Life.
+657 Strength
+662 Vitality
Regenerates 7347 Life per Second
Critical Hit Chance Increased by 9.5%
+32% Extra Gold from Monsters
Monster kills grant +176 experience.
+434 Strength
+459 Vitality
+397 Armor
Regenerates 4880 Life per Second
Increases Gold and Health Pickup by 6 Yards.
Health Globes and Potions Grant +28858 Life.
+626 Strength
+444 Vitality
+160 Resistance to All Elements
Ranged and melee attackers take 1811 damage per hit
Increases Gold and Health Pickup by 2 Yards.
+421 Strength
+488 Vitality
+96 Resistance to All Elements
Critical Hit Chance Increased by 5.5%
+11% Movement Speed
+6675 Life after Each Kill
+1035–1284 Damage
+650 Strength
Critical Hit Damage Increased by 110.0%
Reduces cooldown of all skills by 7.0%.
Monster kills grant +167 experience.
Elemental skills have a chance to trigger a powerful attack that deals 240% weapon damage:
Cold skills trigger Freezing Skull
Poison skills trigger Poison Nova
Lightning skills trigger Charged Bolt
+1122–1409 Poison Damage
+8% Damage
+679 Strength
Critical Hit Damage Increased by 110.0%
+8486 Life after Each Kill
Monster kills grant +192 experience.
+440 Strength
+472 Vitality
Attack Speed Increased by 6.0%
Increases damage against elites by 3.0%
+154 Physical Resistance
Ranged and melee attackers take 3041 damage per hit
+399 Strength
Critical Hit Chance Increased by 6.0%
+6589 Life per Hit
Ranged and melee attackers take 1738 damage per hit
+76–142 Damage
+487 Strength
+453 Vitality
Chance to Deal 20% Area Damage on Hit.
+141 Arcane Resistance
+35% Extra Gold from Monsters
+603 Strength
Attack Speed Increased by 6.0%
Critical Hit Damage Increased by 76.0%
Critical Hit Chance Increased by 9.5%
+125 Cold Resistance
Reduces damage from melee attacks by 5.0%
This feature lists your most prevalent gear bonuses. You may select a bonus to see which items provide that bonus.
Generate: 4 Fury per attack
Swing for 220% weapon damage. Frenzy's attack speed increases by 15% for 4 seconds with each swing. This effect stacks up to 5 times.
Unlocked at level 11
Each Frenzy effect also increases your damage by 2.5%.
Frenzy's damage turns into Fire.
Unlocked at level 59
Cost: 10 Fury
Deliver multiple attacks to everything in your path for 340% weapon damage.
While whirlwinding, you move at 100% movement speed.
Unlocked at level 20
Gain 1 Fury for every enemy struck.
Whirlwind's damage turns into Lightning.
Unlocked at level 44
Cooldown: 30 seconds
Reduce all damage taken by 50% and gain Immunity to all control-impairing effects for 5 seconds.
Unlocked at level 22
Instantly heal for 35% of maximum Life when activating Ignore Pain.
Unlocked at level 58
Generate: 15 Fury
Cooldown: 10 seconds
Shout with great ferocity, reducing damage done by enemies within 25 yards by 20% for 15 seconds.
Unlocked at level 14
Affected enemies also have their attack speed reduced by 20% for 15 seconds.
Unlocked at level 28
Cooldown: 120 seconds
Enter a berserker rage which raises several attributes for 20 seconds.
Critical Hit Chance: 10%
Attack Speed: 25%
Dodge Chance: 20%
Movement Speed: 20%
Unlocked at level 30
While active, gain 50% increased damage.
Unlocked at level 40
Cooldown: 120 seconds
Summon the ancient Barbarians Talic, Korlic, and Madawc to fight alongside you for 20 seconds. Each deals 270% weapon damage per swing in addition to bonus abilities.
Talic wields a sword and shield and uses Whirlwind and Leap Attack.
Korlic wields a massive polearm and uses Cleave and Furious Charge.
Madawc dual-wields axes and uses Weapon Throw and Seismic Slam.
Unlocked at level 25
50% of all damage dealt to you is instead divided evenly between the Ancients.
The Ancients' damage turns into Lightning.
Unlocked at level 58
Strength: 7638
Primary attribute for Barbarians and Crusaders.
Increases all damage for Barbarians and Crusaders by 7638.00%.
Increases Armor by 7638.
Dexterity: 77
Primary attribute for Demon Hunters and Monks.
Increases all damage for Demon Hunters and Monks by 77.00%.
Increases Armor by 7.70%.
Intelligence: 77
Primary attribute for Witch Doctors and Wizards.
Increases all damage for Witch Doctors and Wizards by 77.00%.
Increases resistances by 7.7.
Vitality: 3860
Increases Life, allowing more damage to be taken before dying.
Each point of Vitality increases Life by 100.
Armor: 12808
Reduces all damage from enemies of the same level as you by 0.00%.
Damage: 573582.00
The amount of damage per second you can deal.
Damage is based on your weapons, attributes, attack speed, Critical Hit Chance,
Critical Hit Damage, passive skills, and dual-wielding attack speed increase.
Toughness: 5422760
The total amount of raw damage you can take.
Toughness is based on your maximum Life, armor, dodge chance,
average resistances, and missile, melee, and elite damage reduction.
Recovery: 24025
The amount of Toughness you can recover every second in combat.
Recovery is based on your Toughness and Healing.
Healing: Life healed per Second.
Healing is based on your Life per Hit, Life per Second, Life Steal, Life per
Fury/Spirit/Wrath Spent, Life per Kill, and Health Globe Healing Bonus.
Maximum Life: 517663
If you lose all your Life, you die.
Life can be increased by skills, items, and Vitality.
Fury 100/100
Generated when the Barbarian uses Fury generating skills
or takes damage. Used for more powerful Barbarian attacks.
Forceful Push | |
Powered Armor | |
Disorient | |
Mass Control |
Crippling Shot | |
Dirty Fighting | |
Powered Shot | |
Loyalty | |
Last updated on Dec 26, 2014 3:12 AM PST


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The Mayers are a very welcoming English speaking family who run an immaculate household. I stayed in a first floor standard room which had fantastic views on two sides. The whole place was spotlessly clean and contemporary-austrian in decoration. Breakfast is charged as an extra but the choice of food was fresh and extensive. Other members of my family stayed... More
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Sankt Georgen ob Murau
Ranked #7 of 8 B&Bs / Inns in Sankt Georgen ob Murau
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My first contract in Saudi was in '79 and my last ended in '96.
Driving - If Allah wants you to turn then turn! Turning left at the lights, then squeeze into the right hand lane and cut across. Transporting your 17 Indian employees from Jeddah to Taif? Pack them all into your oldest GMC Suburban and pile their mountainous luggage about 20 foot high onto the roof rack. Kids bored on a long journey? Turn your car into an amusement park ride and let them sit on the roof rack.
Relationships - the mutawaa (religious police) went into Dairy Queen in Taif and saw 4 Filipinos sitting at the same table (2 male and 2 female - unrelated). Dairy Queen was shut down immediaately!
Mutawaa - some are religious zealots, be careful in town when the latest class has just graduated!
Books and publications. I was at Riyadh Airport customs; in front of me was a family with a 4 or 5 year old boy who was holding a child's book which the customs official snatched out of his hands. All references to Mr Pig was inked over with a thick, black marker but Mrs Sow was untouched! Imported newspapers are very expensive and suffer the same marker pen treatment and the ink goes right through the paper.
Airport Customs (I don't think anything has changed in the past 13 years) No green or red lines, everything is searched. Be prepared for a long wait at Ramadan and Hajj - my record is nine and a half hours from getting off the plane and into the terminal to getting out.
Swan non-alcoholic lager (if it is still available) - the alcohol was taken out but it's simple to put it back in again, friends of mine used to do it!
Not an urban myth! There was and possibly still is a pork butcher in Jeddah, just wait until all the locals have gone and ask for 'special meat'. His pork chops were great.
Sand fever - a word of warning. A lot of us have a love/hate relationship with the country and the people, when we return home after the contract is over we are itching to get back - resistance is futile!
Do whatever you want to do inside your own compound, within reason, but not outside; a Jamaican acquaintance was caught near the Sony shop in Taif, smoking amd supplying pot. He had a great defence argument that did not work - 'I am Jamaican, smoking pot is my birthright!'
...things have, in fact, changed...while all incoming luggage is still inspected, much of it goes through an x-ray machine (as mine did at Swampy Bum on my recent return from holiday) that saves the desperately long waits of long ago...I noticed they were looking for bottle outlines and CD images...
Thanks, Cyrille. An online MA might be the next step, then, if that's the norm for good UAE jobs.
There is actually a thread about the organization that's offered me a job over on Dave's ESL Cafe, so I guess it wouldn't hurt to give some more details. The work is with King Saud University; they offered 12,500 SAR (roughly $3,300) per month. I believe there is also a 10% travel allowance, but I'll have to work that out.
Does this sound like a reasonable deal for someone with a BA, CELTA and 5 years of experience (non-Gulf, obviously)?
Thanks, TC. I am definitely interested in short term work to begin with - the thought of signing a 2-3 year contract in Saudi scares the crap out of me! Maybe I'll feel differently once I'm there....I don't know what kind of contract you'll be working under, but it sounds fairly good for someone interested in short term work...
...I know a number of teachers there...beautiful, modern campus across from an IKEA...the salary mentioned is fine for starting out; expect yearly raises (if you decide to stay)...you should have banked at least $25,000 of that, imo...in addition, there's tons of lucrative overtime...not too bad a deal at all (especially if you're working on a legitimate online MA)...
I'm glad to hear such positive things about King Saud. The company said cost of living could be as low as 50 SAR per day. If that's the case saving $25k should be manageable - especially if privates are available. The thread over at Dave's claims that King Saud doesn't pay for overtime, but that overtime builds up into days off. That is, if I work an equivalent of three days extra, I can take a three day holiday.
Thanks again for all of the input/advice. I was not all that serious about the offer but this thread has made me reconsider it.
Can anybody recommend any decent websites/forums for teaching/working in Saudi Arabia please?
"During times of universal deceit, telling the truth becomes a revolutionary act." George Orwell
Dave's Cafe
teachsaudi.com is also a great resources on teaching abroad in Saudi Arabia...
What everybody has failed to tell you is if you dont have Saudi ID you are fucked. You can not have a bank account to send money home, so you have to rely on other people to do it for you. You can not get money sent to you. You can not own a vehicle/car as you do not have Saudi ID the list is endless.
Everything depends on the type of visa that you enter the country on. If it is a 90 day business visa this is the one that you will be fucked on. Some companies say that they need you right away and the business visa is a temp thing, and you will get the regular one later be careful. The best way to go is direct hire, and that way you dont have too many problems.
As suggested go to Daves café (even though the website discriminates against other websites it is very good for information, and not jobs) go to the Saudi forum, and check it out.
Roaming the wild blue yonder
And there you will see that the issue of biz visa vs work visa is heavily debated.
Each side has its benefits, as with the work visa you can settle in with less effort. With the biz visa you can feel it out and escape if necessary.
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-After youve turned the page of slight annoyance into total acceptance,
youre well over ½ way there.
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^It depends on the company. With my company you are required to get a work visa/Iqama (takes about 6 weeks to receive after you've arrived). There is another American company which is also recruiting for KSU; they are bringing people in on business visas and are paying them significantly less.
I think - and this is just a guess based on very little time in Saudi - that the more reputable companies will always insist on a proper work visa.
So you apply after you've arrived?
I guess that wasn't very clear. The first step is to apply for a work visa, which you do before you arrive. The process can take up to three months when you include the time needed to prepare all the paperwork. Once you have that visa, you can apply for an Iqama (resident card) after you arrive in Saudi. The Iqama takes about 6 weeks to receive through my company (although it should be ready much faster).
The Iqama is what allows you to open bank accounts, transfer money etc... On a business visa, you can't get an Iqama. In fact, the business visa explicitly states that you aren't even allowed to work at all.


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So my NB pumpkin ale partial kit has been in primary for about 4 weeks with pumpkin meat and the trub is quite orange however the beer itself has taken on a darker color. The other thing is I don't get the a seriously pumpkin aroma. I added another half a tea spoon of cinnamon and ginger to help the aromas come along. Is it wrong to want to add some hops? I have some in the freezer including fuggles, holdings, magnum, cascade, and willamette. Or should I give it a good shake to wake it up a little as it was dormant for the entire time up until about 10 mins ago. Gravity is around 1.016 so it is as done as it is going to be. Thanks!
I brewed Yuri's Thunderstruck Pumpkin Ale in September and finished the last of it this week...couldn't wait long enough to let it age properly. The beer in my carboy looked exactly like you are describing, here's a picture: Pretty dark in the carboy, but a beautiful orange color in the glass. The same went for aroma...not much pumpkin/spice aroma in the carboy or while bottling, but once it finished it had a perfect pumpkin pie smell. As for hops, I would go minimal...a hoppy pumpkin beer is confusing IMO. Dry hopping with just about anything would detract from the pumpkin - and pumpkin is what you're going for, right?
"Most" pumpkin ales refrain from many flavor/aroma hop additions to allow the other spices to stand on there own. That being said, it's your beer. That's the beauty of brewing it yourself, you don't have to rely on others to tell you what YOU like. If you want hops, then hops it shall be! Keep in mind that just because a certain trait isn't showing itself right now, doesn't mean that it wont later. This is especially true with spiced beers. Once carbonated and aged a little, a lot of the spices like cinnamon and nutmeg etc will start shining through.
That's awesome to hear thank you very much. Pumpkin was definitely the holiday flavor I was aiming for so I agree light on other flavors that would take away from it. I was going in the direction that if it isn't pumpkinininy (stay with me) that at least it held some other flavors.


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MAC Studio Fix Fluid SPF 15
2677 reviews
58% would repurchase
Package Quality: 3.3
Price: $$$
Package Quality: 3.3
Price: $$$
ACTIVE INGREDIENT: Octinoxate 2.50% Other: Water/Aqua/Eau, Cyclopentasiloxane, PEG-10 Dimethicone, Butylene Glycol, Trimethylsiloxysilicate, Dimethicone, Magnesium Sulfate, Silica, Dimethicone/PEG-10/15 Crosspolymer, Laminaria Saccharina Extract, Algae Extract, Tocopheryl Acetate, Sodium Hyaluronate, Lecithin, Hydrogenated Lecithin, Xanthan Gum, Sorbitan Sesquioleate, Methoxy Amodimethicone/Silsesquioxane Copolymer, Laureth-7, PEG/PPG-18/18 Dimethicone, Disteardimonium Hectorite, Dimethicone Crosspolymer, Triethoxycaprylylsilane, Propylene Carbonate, BHT, Chloroxylenol, Phenoxyethanol [ /- Titanium Dioxide (CI 77891), Iron Oxides (CI 77491, CI 77492, CI 77499), Chromium Oxide Greens (CI 77288)Age: 25-29
Skin: Oily, Fair, Warm
Hair: Black, Other, Other
Eyes: Hazel
I hate this foundation!
Pros: Good coverage
Blends Easily
Cons: It oxidizes after one hr and my face ends up looking orange.
Hate to have to buy the pump separately =(
Try drugstore foundations instead.
Age: 19-24
Skin: Acne-prone, Fair-Medium, Not Sure
Hair: Brunette, Other, Other
Eyes: Hazel
My first ever purchase from mac was this foundation. At first I loved it but then I began to notice the first of its many flaws, it oxidises after a few hours leaving you looking like an oompa loompa, it transfers EVERYWHERE, very strong unpleasant smell, and can feel very heavy on the skin. The reasons why I liked this foundation is that I loved the coverage it gave my acne scarred skin and I only had to use a tiny dab of concealer under my eyes, but thats where the plus points for this foundation ends. I did try it again after about a year I had a tiny bit left so decided to give it another go, after applying it I realised why I had hated it in the first place!
Age: 19-24
Skin: Acne-prone, Medium, Not Sure
Hair: Brunette, Other, Other
Eyes: Brown
I have used Studio Fix Fluid for a few years now and at first I absolutely loved the product. It made my skin look flawless and had great coverage on my acne scars/red marks. It's also great to dab on as a concealer if you have dark shadows or bags around your eyes. It does make my skin extremely oily though and I get the occasional spot whilst using it - although that could be hormones! Overall I would recommend this product if you are looking for a foundation that gives your skin an airbrushed finish and good coverage.
Pros -
* Good, full coverage
* One bottle lasts a long time
* Shades for all skin colours & tones
Cons -
* Quite expensive
* Doesn't keep oily skin at bay for long
* May cause skin breakout
Age: 30-35
Skin: Combination, Other, Not Sure
Hair: Black, Other, Other
Eyes: Black
I really like this foundation! Even though I have acne-prone skin (in my 30s!!!!!!!!!) it does not break it out. This foundation gives excellent coverage but I oh no, I ran out. I have to go and get another one.
Age: 19-24
Skin: Oily, Dark, Warm
Hair: Brown, Curly, Medium
Eyes: Brown
Oh God where should i start... at first a loved it, was my first MAC. The coverage is medium to full, it leave a matte finish at first and last a long time, it's not expensive for a high end foundation ( 30 )... and then the trouble began:
- starts to break me out REALLY BAD
- i didn't thought i needed that much coverage so started to mixed with my moisturizer but it got ashy-looking
- then it started to oxidise like crazy, 1 hour after i put it on
and even with an NC colour it looks kinda orange-y (i have a olive undertone caramel skin if that makes sense, it's yellow-green undertone)
-after 2 hours it's not matte anymore if i don't use a mattifying primer
-i'm not really fond of the scent but you don't really smell it once you put it on
-i find it very "transferable"
-it does not come with a pump
I'm not buying this ever again, i'm thinking in the MUFE face and body
Age: 19-24
Skin: Acne-prone, Dark, Not Sure
Hair: Black, Other, Other
Eyes: Brown
I've been using this stuff for almost 2 months now and am absolutely in love with it! I have combination skin that's very acne prone and while this doesn't do anything to prevent breakouts, I do feel like it has prevented the massive breakouts I tend to normally get from my make up. This was my first time buying MAC foundation, but I've had a really great experience with it. It goes on smooth and I just have to use a tiny amount to even out my skin tone and cover my acne scars. My biggest frustration with foundation is how oily my face gets by the middle of the day, but that hasn't happened at all and it never looks caked on.
I will say that I think a lot of that has to do with the moisturizer as well though. I use the Studio Moisture Fix, which keeps me from getting greasy or shiny all day. I've tried the foundation with different moisturizers just to see what it would do and it didn't stay nearly as matte as when I use it over the Studio Moisture Fix.
It is a little pricey, but I say it's well worth the money!
Age: 19-24
Skin: Normal, Fair-Medium, Not Sure
Hair: Brunette, Other, Other
Eyes: Brown
Just went out to my MAC counter today, and tried on a few shades. Love this so far in NW25 (I'm a bit tan). Not impeccable coverage. I tend to be the type of girls who wears heavier foundation to camouflage allll imperfection. I could still see a blemish or two, but overall, it's smooth looking and somewhat flawless (almost a contradiction). So far I'd recommend it.
Age: 19-24
Skin: Dry, Fair, Neutral
Hair: Black, Straight, Medium
Eyes: Hazel
I have such mixed feelings about this product. For how expensive this foundation is, I really wanted it to do better.
The coverage is nice, not fantastic, but good. It doesn't take long before you either start to look patchy or cakey (in the winter time), or need to frequently touch up (in the summer time).
It has a smell that isn't unbearable, but it's not pleasant.
It is very matte, which I like, and the SPF is great.
I gave this foundation a long run before it just burned a hole in my pocket. I wanted to like it so much I kept giving it more chances than it deserved, because of MAC's reputation.
I said I would buy it again, because it's not a bad product, but it's just a little too much money for the actual quality, and the fact that it doesn't have the staying power I like, I can't afford to keep touching up. You can go through a bottle of this stuff fast.
It's also a bit runny, so if you're not careful and you don't have the pump attatched to your bottle, you will spill and waste some $$30 foundation.
I'm going to go ahead and say this is just an average foundation. Definitely has equals in the drugstore. I personally swear by Revlon's Colorstay, which I believe is a steal since it performs better than studio fix, and it's wicked cheap compared to MAC.
If you're just an average "Joe Shmoe" such as myself, not making a ton of money, I would suggest go with colorstay instead.
Age: 19-24
Skin: Oily, Fair, Warm
Hair: Brunette, Straight, Medium
Eyes: Green
I used this foundation a lot a year or two ago and stopped when i got addicted to foundations and ended up with so many i didn't know what to use up, But i have returned to it this past week and i have to say i don't know why i ever stopped it looks amazing ! And i have a lot of foundations Chanel, Mufe to name a few but wow this looks so good ! And its lasting better on my oily skin but im putting that down to my skin care routine now. I will definitely be buying another bottle when i run out im amazed at how well it looks , although i have to say i know a lot more now about application and primer than i did when i bought this first god only knows how i used to apply it when i first bought it *cringe* .... I use a BB Sponge now the application is flawless it has great coverage but doesn't look caked on. who knew i already had the foundation i was looking for and just never bothered with it !
Age: 19-24
Skin: Combination, Dark, Warm
Hair: Black, Kinky, Coarse
Eyes: Brown
man i loved this for going out..it really was nice for clubbing and stayed on all night..perfect match and i stayed generally matte all night!(my oils are allways on overdrive)...except...it broke me out!! *%^(%$
Popular Liquid Foundations


text:
Easily add AJAX contact forms to any page, post or widget area with an unlimited number of custom fields. Easy to manage and style!
Requires: 3.0.0 or higher
Compatible up to: 3.4.2
Last Updated: 2012-7-8
Active Installs:
0 of 2 support threads in the last two months have been resolved.
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Video offers rare glimpse inside Foxconn iPhone factory
A video released on Friday gives outsiders a look at what goes on inside a Foxconn factory responsible for the manufacture of a large portion of Apple's iPhone stock including the newest iPhone 4S.In the video from iFeng (via The Next Web) a Chinese reporter takes a tour of Foxconn's expansive Zhengzhou plant where an estimated 70 percent of iPhones will be produced this year.
The clip begins with Foxconn CEO Terry Gou taking the reporter on a helicopter ride over the 5.6 square-kilometer factory that houses 115,000 employees, then pans to a "wasteland" destined for expansions to the plant that is already the largest in the area.
Inside the factory, Gou moves from production line to production line, starting first with the iPhone 4S and its display and ending with motherboard section which produces 10,000 units each day. The CEO boasts that the facility is the best in the world, besting fabs in Japan, Germany and the U.S.
Finally, Gou moves into a dust-free clean-room where the handset's camera is put together.
In addition to the factory tour, the video includes a few employee interviews that are unsurprisingly favorable of the company and its facilities.
The report was part of a media day that may have been scheduled to help allay widespread criticism of alleged poor working conditions suffered by Chinese workers.
The last inside look at a Foxconn plant was in April when American Public Media's Marketplace journalist Rob Schmitz was granted access to the company's Shenzhen operation. Schmitz's visit followed an inflammatory, and ultimately tenuous, story run by APM's This American Life in which orator Mike Daisey fictionalized the working and living condition of a Foxconn employee.
On Topic: General
- Shuttle drivers at Apple, other Silicon Valley tech companies vote for Teamsters representation
- Apple's Tim Cook takes hardline stance against consumer data sharing, government snooping and terrorism
- Apple's March 9 'Spring Forward' event steals thunder from rivals at Mobile World Congress
- AppleInsider podcast discusses Apple's March 9 event, net neutrality, Pebble Time & more
- Ericsson unloads legal barrage against Apple in ongoing patent licensing dispute


text:
Waco (KWKT) — The Better Business Bureau has received over 7,500 complaints against landscaping and lawn maintenance contractors in the past 12 months. Many of the complaints received are of dissatisfaction with the service, companies not performing their agreed upon duties or discrepancies with advertisement or billing.
The BBB has released five tips on how to can choose the right service provider without the headache.
- Know what you want from a lawn service: Lawn care companies provide many services, so it is important to decide what services and products are appropriate for your needs and budget.
- Find a trustworthy company: Go to bbb.org to check the company's BBB Business Review. You can find important background on the business, such as how long it has been in business, advertising issues, ownership information and how it resolves complaints.
- Check references. Ask the company for references and photos of previously completed projects. Call all references, and ask about their experience working with the company and if they were satisfied with the services provided
- Ask for a lawn inspection and free estimate. Lawn care companies that quote a price without seeing your lawn may not give you an accurate estimate. A company should be willing to visit your home to provide you with an agreed upon fee.
- Get a written agreement. A contract should clearly state the services you will receive, guarantees and refund policies, as well as how and when payment will be handled. If you are using a recurring service, the contract should also include how often the company will come out to work on your lawn, how to cancel the service and a schedule for when payments are due.


text:
New day. New Daily Deals. Get them before they are gone!
Can't find what you're looking for? Shop all ink and toner cartridges by brand
New Customer ? Start Here.
New day. New Daily Deals. Get them before they are gone!
Item: 298012 Model: RMFREE2BLK
Contour Rollermouse free2 has cable pointing device connectivity technology with symmetrical ergonomic fit. Free2 is black in color and has 8 total buttons with movement resolution of 1600 dpi.
This Web site is intended for use by US residents only. See International Sites. See our delivery policy for full details. Copyright 1998-2014, Staples, Inc., All Rights Reserved.


text:
[Webinar recording] Reduce costs and drive loyalty and sales through customer service
Call Centre, 2nd March 2015
With over 40 years of experience between them, working for some of the UK's largest brands, Business Transformation Specialist, Nicola Collister and Customer Service Expert, Bob Winnington met to discuss how the Contact Centre is quickly becoming the Hub of Customer Experience.
The Biggest challenge facing contact centres today – conversation
Stephen Jacobs, 27th February 2015
I wanted to share what I believe is the biggest challenge facing contact centres today – not talking about communicating.
Want to know why your customers aren't "engaging" enough?
Richard Knox, 26th February 2015
I recently found that when I was signing up for my new bundle of TV/fixed line services and sorting out my daughter's new mobile, there was certainly no shortage of love and support. When I called the sales line, I got straight through and as I browsed the latest mobiles, catching the sales assistant's eye in the store was easy. Of course, with an increasingly competitive Telecoms marketplace and higher value multi-play customers, it makes sense to show that you care.
Coach your team to succeed with interaction analytics
Les Blacker, 19th February 2015
Effective and results-oriented training is mission-critical to the success of any contact centre operation. A focused training and coaching regime when delivered on time, targeting pain points in service delivery can make all the difference between good and exceptional customer experience.
Brits prepared to play the waiting game
Mark Williamson, 19th February 2015
Although waiting on hold during calls to businesses is often seen as a major consumer bugbear, recent research suggests we're actually happy to wait for a satisfactory answer to our queries.
Breach, brand and 5 things we know about PCI for 2015
Matt Hooper, 13th February 2015
PCI compliance has long been seen by many as a 'tick in the box' exercise, that hasn't figured high on the information security stack hot list. But that does now seem to be changing.
Do we have our heads in the cloud?
Bibi Bajwa, 12th February 2015
We're barely into the New Year but you've probably already read a few articles claiming that 2015 will be the year of the cloud. You might even have read similar articles last year, or the year before that.
So what's the reality? Is the cloud really the answer to every contact centre operator's dreams, or just a new way of doing the same old things? Is the cloud still to find its "killer app"?
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