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Types of Bonds: 7 Bond Types Explained
NEW YORK ( TheStreet) --Any bond's single most important characteristic is the entity that issued it, since as an investor you're counting on that issuer to return your money.
There are seven main issuer categories:
1.) Treasury bonds;
2.) other U.S. government bonds;
3.) investment-grade corporate bonds (high quality);
4.) high-yield corporate bonds (low quality), also known as junk bonds;
5.) foreign bonds;
6.) mortgage-backed bonds; and
7.)municipal bonds.
Which one do you want? That depends first of all on your tax bracket. If your tax bill is big enough, it will be worth your while to diversify your stock portfolio with municipal bonds, whose yields are lowest, but for a very good reason: The interest payments are exempt from federal income taxes.
If munis aren't for you, your choice of a taxable category depends on your risk tolerance. Broadly speaking, if you want to hold only as much fixed-income as you need to diversify your stock portfolio, stick with Treasuries, governments or investment-grade corporates. There are important differences between the three, but you don't need more than one to be diversified, according to Steve Lipper, senior vice president of Lipper Analytical Services. As for the other types, you can't count on them to protect you against downturns in stocks. Case in point: In the third quarter of 1998, when the S&P 500 lost 10.0%, the average long-term Treasury fund, the average U.S. government fund and the average corporate fund investing mostly in high-grade bonds all returned more than 3.6%, according to Lipper Analytical Services. Meanwhile, riskier corporate funds returned less than 2%, the average high-yield fund lost 7.2% and the average emerging market fund lost 27.5%. Other foreign debt funds held up better, and the various classes of mortgage-backed funds didn't do badly; still, these are complicated investments that aren't meant to fill the bond portion of your asset allocation. Here's what you need to know about each of the seven classes of bonds:1. Treasury bonds
Treasuries are issued by the federal government to finance its budget deficits. Because they're backed by Uncle Sam's awesome taxing authority, they're considered credit-risk free. The downside: Their yields are always going to be lowest (except for tax-free munis). But in economic downturns they perform better than higher-yielding bonds, and the interest is exempt from state income taxes.2. Other U.S. government bonds
Also called agency bonds, these bonds are issued by federal agencies, mainly Fannie Mae (FNM) (the Federal National Mortgage Association) and Ginnie Mae (the Government National Mortgage Association). They're different from the mortgage-backed securities issued by those same agencies, and by Freddie Mac (FRE) (the Federal Home Loan Mortgage Corp.). Agency yields are higher than Treasury yields because they are not full-faith-and-credit obligations of the U.S. government, but the credit risk is considered minimal. Interest on the bonds is taxable at both the federal and state levels, however.3. Investment-grade corporate bonds
Investment-grade corporates are issued by companies or financing vehicles with relatively strong balance sheets. They carry ratings of at least triple-B from Standard & Poor's, Moody's Investors Service or both. (The scale is triple-A as the highest, followed by double-A, single-A, then triple-B, and so on.) For investment-grade bonds, the risk of default is considered pretty remote. Still, their yields are higher than either Treasury or agency bonds, though like most agencies they are fully taxable. In economic downturns, these bonds tend to underperform Treasuries and agencies.4. High-yield bonds
These bonds are issued by companies or financing vehicles with relatively weak balance sheets. They carry ratings below triple-B. Default is a distinct possibility. As a result, high-yield bond prices are more closely tied to the health of corporate balance sheets. They track stock prices more closely than investment-grade bond prices. "High-yield doesn't provide the same asset-allocation benefits you get by mixing high-grade bonds and stocks," observes Charles Schwab Chief Investment Officer Steve Ward.5. Foreign bonds
These securities are something else altogether. Some are dollar-denominated, but the average foreign bond fund has about a third of its assets in foreign-currency-denominated debt, according to Lipper. With foreign-currency-denominated bonds, the issuer promises to make fixed interest payments -- and to return the principal -- in another currency. The size of those payments when they are converted into dollars depends on exchange rates. If the dollar strengthens against foreign currencies, foreign interest payments convert into smaller and smaller dollar amounts (if the dollar weakens, the opposite holds true). Exchange rates, more than interest rates, can determine how a foreign bond fund performs.6. Mortgage-backed bonds
Mortgage-backeds, which have a face value of $25,000 compared to $1,000 or $5,000 for other types of bonds, involve "prepayment risk." Because their value drops when the rate of mortgage prepayments rises, they don't benefit from declining interest rates like most other bonds do.7. Municipal bonds
Municipal bonds -- often called "munis" are issued by U.S. states and local governments or their agencies, and they come in both the investment-grade and high-yield varieties. The interest is tax-free, but that doesn't mean everyone can benefit from them. Taxable yields are higher than muni yields to compensate investors for the taxes, so depending on your bracket, you might still come out ahead with taxable bonds. More on Bond Investing: Bond Basics | Municipal Bond FormulasCheck Out Our Best Services for Investors
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Mini CNC Laser Engraver
Build a simple CNC laser engraver and control it with this free software and plans.
Mini CNC Laser Engraver is a portable freeware computer numerical control (CNC) interface for an ultrasimple laser engraving machine, complete with schematics and instructions for building just such a machine out of scraps like DVD parts. We didn't build or test the laser engraver, but the job seems simple enough, based on past experience with kits and similar projects, and the software certainly seems up to the task of controlling it. We examined Mini CNC Laser Engraver to satisfy our curiosity.
Mini CNC Laser Engraver's interface is a square dialog with controls grouped by function: Prominent X, Y, Z coordinates for the laser pointer's position as well as power and speed controls for the jog motor and jog laser controls on top; twin display windows for the picture engraver and picture frame cutter tools, each with adjustable height and width, in the center; and at the bottom the manual Jog Control, which is similar to jog controls on DVDs and game consoles. We could also select laser power level, maximum laser power, or an automatic setting, and set the motors' stepping intervals in milliseconds. The controller offers two engraving levels, coarse and precise, with a slider to adjust overall sensitivity. We clicked Schematic on the Help menu, which called up illustrated plans for the laser engraving machine; and Explanation, which offered basic instructions and debugging tips. We clicked the Manual button, hoping for a user's manual, but it only toggled the Jog Control on and off. Next we tried the home page provided in the About file but could find nothing about Mini CNC Laser Engraver. Nevertheless, the settings all seemed to work; we clicked Load and selected an image to engrave, chose some options, and clicked Run, and the program went through its paces even though there was no machine tool to control. It seems like it would be easy enough to use the software to control other stepped-motor devices, such as an autopen or loom.
The average high school computer lab is full of kids who could easily handle this project, and we don't doubt that this nifty little CNC control software could be used to control all kinds of devices. The software and plans are free, and the parts probably are, too, if you salvage them from junked players. We didn't build it, so we can't swear that it works, but one thing we can say with confidence: it looks like fun!

subset: commoncrawl


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Madonna's Most Iconic Looks Ever
At the first annual MTV Video Music Awards, the icon was the perfect "edgy virgin bride" in a lingerie wedding dress, cheeky "boy toy" belt, and now infamous fingerless gloves. She admitted to doing her own makeup, topping off her look with a red lip. "Red is the sexiest a mouth can ever look," says makeup artist Pat McGrath. "It's dangerous too. Very Madonna, and very Hollywood."
Read MoreLess


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For those that don't know, this is absolutely huge for a state like Ohio that has had anti-gun Governors for many, many, many years that would never give firearm advocates the time of day... :)
Ohioans For Concealed Carry is thrilled to announce that Ohio Governor Ted Strickland has accepted our invitation to serve as keynote speaker at OFCC's fourth annual family picnic, the Party in the Park. His office has confirmed that the Governor is eager to speak to our members and supporters at this great event being held on the afternoon of Saturday, September 29th in Liberty Park of Powell, Ohio (just north of Columbus).
OFCC is also pleased to welcome several other distinguished guests that are scheduled to speak to our membership. Ohio Representative Michael DeBose (D-Cleveland), who was formerly an opponent of concealed carry until he experienced firsthand an armed mugging attempt that convinced him to obtain a Concealed Handgun License will join Tactical Defense Institute (TDI) proprietor and past OFCC Award Winner John Benner. TDI is one of the leading firearms and tactical training facilities in the country.
Also speaking will be Brian Patrick from the University of Toledo. Professor Patrick has presented at numerous pro-firearm events, such as the 2006 Firearms Law and Second Amendment Symposium held at the George Mason School of Law in Arlington, VA.
Tickets are still available for this wonderful family-friendly event! We welcome all like-minded friends to share in great food, fellowship, and a chance to interact with the first outwardly pro-gun Governor to be elected in several years to the highest office in Ohio.
Dozens of excellent door prizes will be given to attendees, including a brand new handgun!
Tickets are available by CLICKING HERE!


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The elegant Loom Changing Table features a white lacquered cabinet offset by catalpa wood framing and dramatic matched dowel pulls that run the length of its four drawers. The structure includes two smaller top drawers over two large bottom drawers and a removable changing tray featuring two integrated storage compartments for stashing supplies. Loom's removable top changing tray will fit standard changing pads (not included). And when a your little one has outgrown the changer, Loom converts to a dresser by simply removing the tray.
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Room S401, Pappajohn Business Building
The University of Iowa's John Pappajohn Entrepreneurial Center (JPEC) announces the 2015 University of Iowa Business Model Competition with cash prizes! The Business Model Competition (BMC) is based on a new way of thinking about the entrepreneurship process. Ultimately, the BMC is a presentation on your start-ups entire journey, not just its current state.
Room S126, Pappajohn Business Building
Our English Language Discussion Circles provide a relaxed environment for international students to improve their conversation skills by speaking with American students. The ELDC are led by tutors from the Judith R. Frank Business Communication Center and are centered on weekly discussion topics.
Topics are chosen to explore American culture and practices. International students will improve their English language skills and American students will find it a perfect place to interact with international students to learn more about their cultures and to prepare for international experiences.
Circles offer an alternative format where students will play language games, engage in activities, or watch short TV programs to learn about American culture and improve language skills. Students can come for all or part of the hour and can bring their lunch.
For more information contact Assistant Director, Ryan Sheets, at firstname.lastname@example.com. Information about each week's topic is available at www.biz.uiowa.edu/update.
The Airliner
Mix and mingle with Tippie students who share your love of global cultures! Open to study abroad alums, those interested in study abroad, Tippie Buddies, international students, International Biz Cert students, and anyone with an interest in expanding your global perspective! Free pizza and pop.


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Yoakum Rotarian honored at district gathering
Sonny Long
Feb. 22, 2012 at 6:01 p.m.
Updated Feb. 21, 2012 at 8:22 p.m.
The expansive district stretches from north of Waco to Corsicana to the east and Marble Falls to the west. It also includes the numerous Rotary Clubs in Austin. The Hallettsville, Shiner and Yoakum clubs are in the district.
The name of the award fits Bill Lopez perfectly.
Lopez, president of the Yoakum Area Chamber of Commerce, was recently honored by Rotary International with the Service Above Self award at the Rotary District 5870 Foundation dinner in Austin.
"It's quite an honor," said Lopez, 79, who has been in the Yoakum Rotary Club for 14 years. "I enjoy serving and giving back to the community. That's why Rotary was a perfect fit for me."
Lopez received the award from Rotary International President Kalyan Banerjee and District Governor Suresh Pahwa on Feb. 11.
The award is the highest given to an individual Rotarian by Rotary International and only 150 recipients worldwide are selected each year from a membership of more than 2 million, according to a news release from Rotary International.
The award honors Rotarians who have demonstrated exemplary humanitarian service with an emphasis on personal volunteer efforts.
Only current and past district governors and current and past Rotary International directors are eligible to nominate candidates for the award.
Continuing his service with Rotary, Lopez and several other Yoakum Rotary members will travel to Peru in April with a district-wide contingent to deliver 500 wheelchairs.


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From Wikipedia, the free encyclopedia - View original article
Cholesteatoma | |
Cholesteatoma | |
Classification and external resources | |
DiseasesDB | 2553 |
MedlinePlus | 001050 |
eMedicine | ped/384 ent/220 |
Patient UK | Cholesteatoma |
MeSH | D002781 |
Cholesteatoma | |
Cholesteatoma | |
Classification and external resources | |
DiseasesDB | 2553 |
MedlinePlus | 001050 |
eMedicine | ped/384 ent/220 |
Patient UK | Cholesteatoma |
MeSH | D002781 |
Cholesteatoma is a destructive and expanding growth consisting of keratinizing squamous epithelium in the middle ear and/or mastoid process. Although these are not strictly speaking tumours or cancers they can still cause significant problems because of their erosive and expansile properties resulting in the destruction of the ossicles as well as their possible spread through the base of the skull into the brain. They are also often infected and result in chronically draining ears.
This section may require copy editing. (October 2014) |
Cholesteatomas can be classified in several ways. As with many diseases, a basic distinction is made between those that are congenital and those that are acquired.
Acquired cholesteatomas, which are more common, are usually caused by pathological alteration of the ear drum leading to accumulation of keratin within the middle ear. Congenital cholesteatomas are usually middle ear epidermal cysts that are identified deep to an intact ear drum.
Keratin-filled cysts that grow medial to the tympanic membrane are considered to be congenital if they fulfill the following criteria:[1]
Congenital cholesteatomas occur at three important sites: the middle ear, the Petrous apex, and the cerebropontine angle. They are most often found deep to the anterior aspect of the ear drum, and a vestigial structure, the epidermoid formation, from which congenital cholesteatoma may originate, has been identified in this area.[2]
Not all middle ear epidermal cysts are congenital, as they can be acquired either by metaplasia of the middle ear mucosa or by traumatic implantation of ear canal or tympanic membrane skin. In addition, cholesteatoma inadvertently left by a surgeon usually regrows as an epidermal cyst.
More commonly, keratin accumulates in a pouch of tympanic membrane which extends into the middle ear space. This abnormal folding or 'retraction' of the tympanic membrane arises in one of the following ways:
Cholesteatoma may also arise as a result of metaplasia of the middle ear mucosa [6] or implantation following trauma.
In one study, the number of new cases of cholesteatoma in Iowa was estimated in 1975–6 to be just under one new case per 10,000 citizens per year.[7] Cholesteatoma affects all age groups, from infants through to the elderly. The peak incidence occurs in the second decade.[7]
The majority (98%) of patients with cholesteatoma have ear discharge or hearing loss or both in the affected ear.
Other more common conditions, such as otitis externa may also present with these symptoms, but cholesteatoma is much more serious and should not be overlooked. If a patient presents to a doctor with ear discharge and hearing loss, the doctor should consider the patient to have cholesteatoma until the disease is definitely excluded.
Other less common symptoms (all less than 15%) of cholesteatoma may include: pain, balance disruption, tinnitus, ear ache, headaches and bleeding from the ear. There can also be facial nerve weakness. Balance symptoms in the presence of a cholesteatoma raises the possibility that the cholesteatoma is eroding the balance organs, which form part of the inner ear.
On initial inspection, an ear canal full of discharge may be all that is visible. Until the doctor has cleaned the ear and inspected the entire tympanic membrane, cholesteatoma cannot be either confirmed or excluded.
Once the debris is cleared, cholesteatoma can give rise to a number of appearances. If there is significant inflammation, the tympanic membrane may be partially obscured by an aural polyp. If there is less inflammation, the cholesteatoma may present the appearance of 'semolina' discharging from a defect in the tympanic membrane. The posterior and superior parts of the tympanic membrane are most commonly affected. If the cholesteatoma has been dry, the cholesteatoma may present the appearance of 'wax over the attic'. The attic is just above the ear drum.
The patient may commonly also have clinical signs of conductive hearing loss. Less frequently, there may be signs of imbalance or facial weakness.
If untreated, a cholesteatoma can eat into the three small bones located in the middle ear (the malleus, incus and stapes, collectively called ossicles), which can result in nerve deterioration, deafness, imbalance and vertigo. It can also affect and erode, through the enzymes it produces, the thin bone structure that isolates the top of the ear from the brain, as well as lay the covering of the brain open to infection with serious complications (rarely even death due to brain abscess and septicemia).
Both the acquired as well as the congenital types of the disease can affect the facial nerve that extends from the brain to the face and passes through the inner and middle ear and leaves at the anterior tip of the mastoid bone, and then rises to the front of the ear and extends into the upper and lower face.
Cholesteatoma is a persistent disease. Once the diagnosis of cholesteatoma is made in a patient who can tolerate a general anesthetic, the standard treatment is to surgically remove the growth.
The challenge of cholesteatoma surgery is to permanently remove the cholesteatoma whilst retaining or reconstructing the normal functions of the structures housed within the temporal bone.
The general objective of cholesteatoma surgery has two parts. It is both directed against the underlying pathology and directed towards maintaining the normal functions of the temporal bone. These aims are conflicting and this makes cholesteatoma surgery extremely challenging.
Sometimes, the situation results in a clash of surgical aims. The need to fully remove a progressive disease like cholesteatoma is the surgeon's first priority. Preservation of hearing is secondary to this primary aim. If the disease can be removed easily so that there is no increased risk of residual disease, then the ossicles may be preserved. If the disease is difficult to remove, so that there is an increased risk of residual disease, then removal of involved ossicles in order to fully clear cholesteatoma has generally been regarded as necessary and reasonable.
In other words, the aims of cholesteatoma treatment form a hierarchy. The paramount objective is the complete removal of cholesteatoma. The remaining objectives, such as hearing preservation, are subordinate to the need for complete removal of cholesteatoma. This hierarchy of aims has led to the development of a wide range of strategies for the treatment of cholesteatoma.
The variation in technique in cholesteatoma surgery results from each surgeons' judgment whether to retain or remove certain structures housed within the temporal bone in order to facilitate the removal of cholesteatoma. This typically involves some form of mastoidectomy which may or may not involve removing the posterior ear canal wall and the ossicles.
Removal of the canal wall facilitates the complete clearance of cholesteatoma from the temporal bone in three ways:
Thus removal of the canal wall provides one of the most effective strategies for achieving the primary aim of cholesteatoma surgery, the complete removal of cholesteatoma. However, there is a trade-off, since the functional impact of canal wall removal, is also important.
The removal of the ear canal wall results in:
The formation of a mastoid cavity by removal of the canal wall is the simplest and most effective procedure for facilitating the removal of cholesteatoma, but may bestow the most lasting infirmity due to loss of ear function upon the patient treated in this way.
The following strategies are employed to mitigate the effects of canal wall removal:
Clearly, preservation and restoration of ear function at the same time as total removal of cholesteatoma requires a high level of surgical expertise.
It is important that the patient attend periodic follow-up checks, because even after careful microscopic surgical removal, cholesteatomas may recur. Such recurrence may arise many years, or even decades, after treatment.
A residual cholesteatoma may develop if the initial surgery failed to completely remove the original; residual cholesteatomas typically become evident within the first few years after the initial surgery.
A recurrent cholesteatoma is a new cholesteatoma that develops when the underlying causes of the initial cholesteatoma are still present. Such causes can include, for example, poor eustachian tube function, which results in retraction of the ear drum, and failure of the normal outward migration of skin.[13]
In a retrospective study of 345 patients with middle ear cholesteatoma operated on by the same surgeon, the overall 5-year recurrence rate was 11.8%.[14] In a different study with a mean follow-up period of 7.3 years, the recurrence rate was 12.3%, with the recurrence rate being higher in children than in adults.[15]
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Palin appearance planned in Dallas
POSTED: Wednesday, November 10, 2010 - 7:22am
UPDATED: Wednesday, November 10, 2010 - 9:47am
DALLAS (AP) - Sarah Palin is heading for Texas. The 2008 GOP vice presidential nominee and ex-Alaska governor had an appearance scheduled Wednesday night in Dallas at an event to benefit Heroic Media.
The faith-based nonprofit group, according to its website, seeks to reduce abortion and connect women in crisis with life-affirming resource centers.
GOP Gov. Rick Perry, who won re-election Nov. 2 and is on a tour promoting his new book, also was scheduled to attend Wednesday night's event. Perry's book is called: "Fed Up!: Our Fight to Save America from Washington."


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Grade Level: 4th - 8th; Type: Earth Science
Students will learn about circadian rhythms. Library research will show many biological activities that occur on a 24 hour clock. Experimental research will show the circadian rhythms of exercise in small mammals.
Research Questions:
- What is a circadian rhythm?
- What types of biological activities follow a 24 hour cycle?
- Do the exercise patterns of small mammals follow a 24-hour cycle?
You know that you routinely sleep and eat at roughly the same times during a 24-hour period, but core body temperature, hormone levels, cell regeneration, metabolism and other biological activities run on a 24 hour clock. Functions that happen on a 24-hour clock are said to follow a circadian rhythm. It is believed that this is driven by the 24- hour cycle of light and darkness. As shown in this experiment, even nocturnal animals follow a 24-clock.
- Speedometer/odometer
- Graph paper
Experimental Procedure:
- Purchase a bicycle speedometer/odometer. Get the type that involves a magnet and a sensor.
- Move the cage to an area where the animal is disturbed as little as possible by electric lights. If this is not possible, considering putting a cloth over the cage after sundown.
- Stick sensor end of the speedometer on the support member of the exercise wheel with mounting putty or double back tape.
- Affix the magnet end to the exercise wheel as so that it passes near the sensor end.
- Monitor the speedometer as often as possible. Ideally, you would do this every hour, but this is not possible given that you must sleep and go to school. Get help from your parents, brothers, sisters, and friends.
- Continue monitoring for four to five days.
- The speedometer provides how far the animal has traveled, but presupposes that the diameter of the exercise wheel is the same as a bicycle tire. You may wish to convert the output of the odometer is by using the following ratio: A/B = C/D A is the diameter of a full size bike wheel, B is the distance, C is the diameter of the exercise wheel and D is the distance.
- Graph the activity of the mammal as a function of time.
Terms/Concepts: Circadian rhythms, Nocturnal animals, Light cycles
Foster, Russell G and Leon Kreitzman. Rhythms of Life: The Biological Closes that Control the Daily Lives of Every Living Thing. Yale University Press (2005)
Web MD: Sleep and Circadian Rhythm Disorders
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Warning is hereby given that not all Project Ideas are appropriate for all individuals or in all circumstances. Implementation of any Science Project Idea should be undertaken only in appropriate settings and with appropriate parental or other supervision. Reading and following the safety precautions of all materials used in a project is the sole responsibility of each individual. For further information, consult your state's handbook of Science Safety.


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Surprise! The US is due for a recession in 2014
February 04, 2014
Amid all the speculation about whether the economy has recovered enough from the Great Recession for the Federal Reserve to ease up on monetary stimulus, there is one question that is not being asked: Are we due for another recession?
History suggests it is time to start thinking about that possibility. Though it does not seem like it because the recovery has been so halting, it has now been 55 months since the end of the last recession. Since World War II, the average economic expansion has lasted 58.4 months, according to the National Bureau of Economic Research. That would put the start of the next recession some time around this May.
Potential dangers ahead
Of course, these things do not conform to a regular schedule, but it is realistic to assume we are closer to the end of this expansion than the beginning. With the economy still reeling from the last recession, the consequences could be pretty dire if another downturn occurred soon. Here are several reasons an economic slump would be especially hard to take right now:
- Over-extended consumers would be in for a shock. With consumer credit at a record high, some people's addiction to credit may be reaching a breaking point. If lenders become more cautious about extending credit during a new recession, people whose lifestyles are dependent on continued borrowing will feel the pinch most severely.
- The Federal Reserve may be short of weapons. With short-term rates already near zero and several years of bond purchases it has yet to unwind, the Fed will be hard-pressed to find new monetary policy stimulus measures that are not inflationary.
- Fiscal policy will be similarly constrained. The president and Congress will have little additional money to throw at a new recession. They will be tempted to, but with growing international grumbling about U.S. debt, pressure on the dollar may limit the government's ability to spend its way out of the next recession.
- Unemployment could get really ugly. If a recession started with unemployment at its current level of 6.7 percent, that would be the second-highest unemployment rate at the start of any recession in the post-World War II era. The only time a recession started with a higher unemployment rate (7.2 percent, in July 1981), the recession lasted 16 months (compared to an average of 11.1 months in the post-war era) and unemployment reached 10.8 percent before it was over.
- Rates on savings accounts could get even lower. You might think that savings account rates can't fall any further, but if the economy suffers a relapse, those few banks that have tried to offer higher rates might no longer see any incentive to do so.
Again, economic cycles do not follow a regular schedule, so the next recession may not be right around the corner. Since World War II, economic expansions have lasted as little as 12 months and as much as 120 months. But given the state of the economy right now, would you expect this expansion to have above- or below-average staying power?
Your responses to 'Surprise! The US is due for a recession in 2014'
Showing 5 comments | Add your comment
26 August 2014 at 11:46 am
Hey, did anyone notice that the first quarter GDP stalled !, literally went negative !...and that is will using bogus deflator. The world is also barely positive in GDP, most are hovering slightly negative. Thats like being in a room with a blow torch full of explosives
26 April 2014 at 6:08 pm
This is a hot topic in my house. Ive been saying that this will happen begining may 2014 for six months. Midterm election this year should pullback and january effect this year too. Since enconomy is not ripe for recession, it would seem that the fed may have to slow the taper. But how can this growth go on. Since the fiat took over the gold standard, lok at how stock chart patterns have changed. It looks like our country needs another good step back to get back on track. Im pulling out of stocks now. Though I will be mad to miss any further price swings. Still contemplating whether or not to trade this fall or to hold cash and wait a few years of low inflation for better prices. The question is when will be the recession. If statistically, recessions start two years after interest rates rise that may not be untill 2017. That would put the bottom in 2019ish. Thats not soon enough.. another note, tm toyata is pulling back almost to 300 ma soon...is toyata a leading indicater.
red pill
4 April 2014 at 9:50 pm
The recession did not end in 2009,10,11 or 12. We are still in a recession. More Americans are homeless, becoming homeless, indentured to government through welfare, hardly any jobs (most of those are filled with new Americans, and by design only available to those able to speak the foreign language of the area), and lets not even begin thediscussion on debt or credit debt. Our economy is rigged to fail. We're going down. I'm calling Timber!!!
Richard Barrington
18 February 2014 at 3:33 pm
Hey Joe, I sympathize with the fact that this economic recovery has been maddeningly slow. However, in economic terms, there is a difference between a slow economy and a recession. A slow economy is one that is expanding at a sub-par pace, whereas a recession is an economy that is shrinking. According to the National Bureau of Economic Research, which tracks official economic cycles going back to the mid-1800s, the most recent recession ended in mid-2009.
11 February 2014 at 10:18 am
Re âAre we due for another recession?â!!! The one we have been for more than 6 years has not ended!! It does not have an end in sight! Richard Barrington must live on another planet.


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Page 2 of 2 Previous
Witnesses have testified that anywhere from four to 15 people punched, kicked and stomped on Widstrand for 30 seconds to 10 minutes.
After the verdicts were read, District Court Judge Salvador Rosas issued Maiden a stern warning to clean up his act and re-evaluate his life and friends.
"Mr. Maiden, a friendly word of advice," Rosas said. "You dodged one here." Rosas said that if Maiden didn't change his life, "I have no doubt you'll be back."
Mother at trial every day
Widstrand's parents declined to comment. Maiden's mother attended each day of the trial and previously declined to comment.
"While we are disappointed with the jury's verdict, we will respect it and move forward to the remaining cases," Ramsey County Attorney spokesman Dennis Gerhardstein said in a written statement. "We remain committed to holding accountable those who were involved in the senseless beating of Ray Widstrand."
One 15-year-old pleaded guilty in the attack and is serving time. Two other juveniles are charged and have open cases. Butler has a pretrial date later this month.
Chao Xiong • 612-270-4708


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quote:It took months to find the right tree to build on, and when he did the spot was on public land looking down on a row of multi-million dollar homes. But that didn't stop Joel Allen - he just built this incredible egg-shaped treehouse in Canada anyway, without telling anyone.
quote: egg-shaped
quote:that canadian chick in the video isn't very hot
quote:girls that aren't from the south are gross


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Doctors give free mammograms at LSU Mid-City Clinic
POSTED: Tuesday, October 9, 2012 - 5:15pm
UPDATED: Tuesday, October 9, 2012 - 5:19pm
Baton Rouge, La (NBC33) — Today, women lined up for mammograms at the LSU Mid-City Clinic on North Foster.
Doctors and nurse practitioners performed free clinical breast exams for women 18 and older.
There's a big push to make sure women over the age of 40 who haven't had a recent mammogram have one; they say that early detection is key.
Doctors tell NBC33 women who have health insurance will see a bill sent to their insurance company. Women who don't have insurance were given free check-ups today.


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Pawn ShopElizabethtown man accused of car break inSubmitted by Ashley Cimino on Mon, 10/14/2013 - 10:53pm.READ MORE:
An Elizabethtown man faces several charges for breaking into a car in May.
Full story... » NC woman accused of pawning mother's jewelrySubmitted by Katelyn Supa on Thu, 11/24/2011 - 8:07am.READ MORE:
Lincoln County authorities are accusing a woman of stealing thousands of dollars in jewelry from her mother and pawning it.
Full story... » Pawn shops becoming popular option for holiday dealsSubmitted by Ramon Herrera on Tue, 12/14/2010 - 10:12pm.READ MORE:
Experts say spending on Christmas shopping is up this year and that's not just at big-name retail stores. Pawn shops are becoming a popular option for holiday deals, they have everything you can want and for good price. Shop owners say that's why more and more Christmas shoppers are considering their stores.
Full story... » WPD looking for surfboard pawnersSubmitted by WWAY on Wed, 04/08/2009 - 3:53pm.READ MORE:
The Wilmington Police Department needs your help tracking down two people who tried to pawn a stolen surfboard.
Several surfboards were reported missing from a house on March 6th and March 16th. Police said a man and woman tried to sell one of them at College Road Pawn.
Full story... » |


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1,337 views, 22 8 by Raewyn Read - Cakes by Raewyn
Congratulations to our fabulous CakesDecor member Tracey Rothwell of the...
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DISCLAIMER: Any posts on CakesDecor.com (CD) are posted by individuals acting in their own right and do not necessarily reflect the views of CD. CD will not be held liable for the actions of any user.


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Tag: tracy marsh
Showing results 1-5 of 5
Powell & Hotz Head to the Highlands in "Billy the Kid's Old Timey Oddities and the Orm of Loch Ness"
CBR spoke with Eric Powell & Kyle Hotz about the third installment of their "Billy the Kid" series at Dark Horse, the nature of collaboration, and what Dracula wants with the Loch Ness Monster.
PREVIEW: Godzilla: Kingdom of Monsters #3
IDW Publishing has provided CBR with an exclusive first look at "Godzilla: Kingdom of Monsters" #3, but writers Eric Powell & Tracy Marsh with art by Phil Hester, stomping in to comic shops May 25th!
REVIEW: "Godzilla: Kingdom of Monsters" #1
Doug Zawisza gives IDW's "Godzilla: Kingdom of Monsters" #1 a 4 star review saying Eric Powell, Tracy Marsh, Phil Hester and Bruce McCorkindale's comic "reads like a lost Godzilla movie from yesteryear."
Powell and Marsh Enter Godzilla's "Kingdom of Monsters"
Co-writers Eric Powell and Tracy Marsh spoke with CBR about "Godzilla: Kingdom of Monsters," the new ongoing series launching in March from IDW starring at least one rampaging Toho monster.
PRESS RELEASE: "Godzilla," King of the Monsters, Returns at IDW
Archives: All | Comic Books | TV/Film | Video Games | Web Comics


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ESPN.com: Page 2 | [Print without images] |
Before Orangemen gave fans something to cheer about in the NCAA Tournament tiele game a year ago, the cheerleaders were the main attraction. |
The Cowboys' cheerleaders have become as recognizable as the team's players on the field. |
George W. Bush has been blowing hot air to anyone who would listen since his prep days at Phillip Andover. |
Cheerleading camps have become big business in recent years. |
Are you ready for ESPN.com's Cheerleader Challenge?
Starting Thursday, 16 of the top cheerleading squads in the nation will vie for our title, with your votes determining the winner.
To view all the matchups, you'll need ESPN Motion. If you don't have Motion yet, click here to download it. |


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Friday, July 08
Nationals Park
Attendance: 19,046
Washington, DC (Sports Network) - Ty Wigginton and Cole Garner had run-scoring singles as the Rockies edged the Nationals, 3-2, in the first of a three-game series.
Jason Hammel (5-8) allowed two runs on five hits and two walks as Colorado snapped its five-game losing streak.
"Being able to locate my fastball was huge. You have got to be able to use the fastball on both sides of the plate. I was able to do that tonight and I kept a good hitting team off balance," said Hammel.
Huston Street faced the minimum in the ninth to earn his 25th save of the season.
John Lannan (5-6) took the loss, allowing three runs on three hits in 3 1/3 innings. He was knocked out of the game after taking a line drive to the face.
Wilson Ramos homered for the Nationals, losers in two straight.
Washington struck first after loading the bases with no outs in the bottom of the first on a double by Roger Bernadina, a walk by Danny Espinosa and a high- bouncing infield single by Ryan Zimmerman. But the Nationals only managed to push one run across the plate on Michael Morse's sacrifice fly to deep center field after Jayson Werth struck out and Rick Ankiel popped out to second to end the inning.
After back-to-back one-out singles by Jonathan Herrera and Todd Helton in the fourth inning, Wigginton lined a fastball back at the mound that struck Lannan just below the right eye. Lannan immediately popped up and walked off the field. Herrera scored on the play, and Ryan Mattheus took the mound.
Lannan was later diagnosed with a nasal contusion and is listed as day-to-day.
"We're very fortunate there wasn't a lot of damage. That ball was smoked," said Nationals manager Davey Johnson about Lannan. "I think he's going to be alright. He may not even miss a start with the All-Star break, and that's a blessing there."
Mark Ellis then hit a fielder's choice to put runners on the corners, and a run was allowed when home plate umpire Bob Davidson called a balk on Mattheus. Garner followed with an RBI single into left field, making it a 3-1 game.
Ramos made it one-run game in the bottom half of the inning when he hammered a solo homer into the left-center field bleachers.
Street allowed a leadoff single to Morse in the ninth to put the tying run on the basepaths. But Brian Bixler replaced Morse as a pinch-runner and as Werth fanned on a 1-2 slider, Bixler was thrown out stealing second, emptying the bases. Ankiel then struck out on three pitches to end the game.
Bob Davidson
Jerry Layne
Brian Knight
Hunter Wendelstedt


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Product Description
Available while supplies last.
Lemon Silicone Loose Tea Infuser
Here is a cute way to brew your daily tea in an eco-minded fashion. Our line of fruit tea infusers are made of 100% LSR Platinum Silicone (the same safe stuff used for baby bottles) and can be disinfected in boiling water. Because tea strainers use loose tea, they are the eco-friendly way to brew since they do away with wasteful individual tea bags. Comes in a cute gift box.
Materials: | Silicone | |
Weight: | 0.05 Pounds | |
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Fabric Hammock Chairs
Warning: These Fabric Hammock Chairs induce laziness. Once you're in, you won't want to get out.
Adjustable Hanging Hammock Chair with Foot Rest
This hammock chair is made of all-weather polyester fabric that is both durable and pleasing to the eye. It has a weight capacity of 450 pounds and is lightweight enough (6.3 pounds) to give you the flexibility to move the chair wherever you'd like.
With the Hanging Hammock Chair with Foot R...


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Horse Owners can learn about Pasture Management, Form to Function at Ag Expo Horse Press Release
EAST LANSING, Michigan -- Horse owners who attend the Ag Expo, July 20-22 at Michigan State University (MSU), can view demonstrations designed to help them better understand how a horse's body structure affects its performance and how to establish and maintain pastures.
John Shelle, MSU professor of animal science, will offer a presentation at 10 a.m. each day focusing on how a horse's skeletal structure contributes to its abilities to perform and its potential for long-term soundness.
At 1 p.m., Matt Shane, Lenawee County MSU Extension director, will discuss establishing and maintaining horse pastures. His talk will include forage species, fertilizers, planting schedules, space requirements and mowing.
Both presentations will take place on Third Street, on the east side of the main Ag Expo site.
Ag Expo visitors can also meet other MSU educators -- from agronomists and agricultural engineers to foresters, veterinarians and animal scientists. They will be on hand to discuss their work and share information on various aspects of farming, new Michigan Agricultural Experiment Station and MSU research information, and MSU Extension programs.
Ag Expo will feature commercial farm equipment from throughout the Midwest and several Canadian provinces on the 35-acre main exhibition site.
The event will run from 9 a.m. to 5 p.m. July 20, 9 a.m. to 8 p.m. July 21 and 9 a.m. to 3 p.m. July 22. All Ag Expo events and parking at Farm Lane and Mt. Hope Road are free.
For more information about Ag Expo, call 1-800-366-7055 or visit www.agexpo.msu.edu.


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2 Browning® License Plate Frames, Silver / Mossy Oak®
Item # WX2-222203
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This item cannot ship internationally.
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Your choice of camo License Plate Frames, a pair that stands out for your ride! SAVE BIG!
Let your love of the outdoors show on the road with this pair of Browning® or Realtree® License Plate Frames. One for the front plate, one for the rear, they're made of durable, weatherproof plastic in your choice of 3 camo color patterns.
All with a logo and slogan to show your hunting pride. Each has 2 mounting holes at the top. The design won't cover up any state insignias or tags on the plates.
Sharpen up your vehicle's look with this sportsman's special! Order ONLINE Now!
!!! Limited Quantities !!!
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2 Browning License Plate Frames, Silver / Mossy Oak is rated out of 5 by 1.Rated 5 out of 5 by MCKINLEY from GREATDate published: 2013-11-05
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I have been using this little applet called cryptkeeper for a while now, it is a beautifully simple power user application that will help you keep your private information safe and secure. In this simple how to I will assist you in installing and using cryptkeeper.
Read more »How to password protect files and folders in Ubuntu 9.10
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Created by gokulvarma 4 years 49 weeks ago – Made popular 4 years 49 weeks ago
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Special Days of Winter, Snuggle up and enjoy the scenery Stay one night at the rate of $116 per night or two nights at $108 per night in our cozy Fireside Rooms Fireplace & Cozy Robes Ask for Days of Winter special. Book through Feb 26, 2015
View DetailRose petals, Chocolates, Sweet Truffles the Bear, Wine or Pampering Gift Bags... Surprise your sweetheart when you walk into your room. Our staff loves to make these things available to you.
View DetailShare the gift of The Ashley Inn. Certificates can be for made in any amount you request.
View DetailThis is a favorite time of ours. We love spending time with the grandkids, family & friends. Time together is precious. Spend it wisely. Take a couple of days to relax together. 3 days/2 nights $192 + tax, Sun - Thurs.
View DetailGroup Deals are best MidWeek: Special rates for 10 -40 rooms, includes two nights in a Fireside room, Breakfasts, a Lunch & a Dinner, two days in Tamarack or Roseberry room, use of our Kayaks & Canoes and private beach on the Payette River.
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Shawcross still a happy Potter
Stoke skipper Ryan Shawcross insists he has no intention of leaving the Britannia Stadium this summer. The 23-year-old has been linked with both Liverpool and Tottenham but says he is happy to remain with the Potters. "I suppose if you are linked with clubs it shows you are doing well," Shawcross told the Sentinel. "But I am a Stoke player, I have signed a contract here and I am happy here. "The chairman has said the club aren't going to sell me. I don't want to leave and I am looking forward to the new season. "Any young player in the Premier League is going to have speculation written about him, but it doesn't bother me."
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Sometimes we spend lots and more often we don't or can't. But the other day I made what I considered a relatively small purchase. It was an item I...Read More ->
Fantastic service and very pleasant communication with this dealer. I recommand MJM Magic to all my freinds magician and prospect.Read More ->


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Crocs Kids' Flipswitch Flip Flop
Key Features
Lightweight Croslite material forms to your foot
Ventilation ports are breathable
Circulation nubs stimulate blood flow
White stripe on TPU strap
Our Price $24.99
Sale Price $19.99
Availability: Sold Out
- Please note: This item can only be shipped to U.S. addresses.
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back to topProduct Description
The Flipswitch is as comfortable as it is classic. Croslite construction is odor-resistant and forms to your foot for incredible support. Ventilation ports are breathable and help to drain water. Circulation nubs improve blood flow. Back strap can be flipped up and out of the way. The TPU upper strap is accented with a sporty white stripe.


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Listen to this album.
If I Lose Myself - Single is a video by RUNAGROUND & Peter Hollens containing 03:21 minutes of music.
Brought to you by re:discover.
All compositions appearing on this album have been licensed from their official sources via Loudr. A portion of each sale goes to the copyright holder(s).


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Topic: hashtag
Coke Zero Mother's Day Twitter Stunt Lets Forgetful Sons Off the Hook
Original social play ropes in 10 classically trained painters
Attention, forgetful sons: If you wake up this Sunday and realize you didn't get your mom anything for Mother's Day, don't panic. Coke Zero will be there for you. In a…
Marketers Cheer Facebook's Reported Hashtag Adoption
Move doesn't have to be zero-sum for Twitter
Facebook may soon add hashtags to its service, according to reports published Thursday by The Wall Street Journal and All Things D. While Facebook wouldn't be the first social network…
#AskJulius Chat Turns Into No Chat
Pro tip: Use the hashtag
The Federal Communications Commission chairman's first foray into social media bombed today as Julius Genachowski—set to take questions via a Twitter chat at 1:30 p.m. for a half hour—failed to…


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Al Sharpton on Michigan and Florida Delegates
Updated: 02/14/2008 - Sharpton: Seating Fla., Mich. delegates would be injustice.
Updated: 02/14/2008 - Sharpton: Seating Fla., Mich. delegates would be injustice.
Updated: 02/14/2008 - A former corrections officer is sentenced for sexually abusing his daughter and pushing her into prostitution.
Posted: 02/13/2008 - Adopt a furry new friend for Valentine's Day, and get $50 off.
Updated: 02/13/2008 - Bozzo's Auto on Kalamazoo Street partly destroyed.
Posted: 02/13/2008 - When your robbery is caught on tape, it's just a matter of time until you're arrested.
Posted: 02/13/2008 - He was shocked to learn he'd won a quarter million.
Posted: 02/13/2008 - A shortage of rock salt across the Midwest means everyone is low...or out.
Posted: 02/12/2008 - The organization wants Michigan & Florida's delegates seated at the Democratic Convention.
Updated: 02/13/2008 - It was supposed to have launched last month.
Posted: 02/12/2008 - A former Cub Scout leader gets at least 3 years in prison for possessing child pornography.
Updated: 02/13/2008 - None of the three races were close for either candidate.
Posted: 02/12/2008 - Some 10,000 members of the Writers Guild of America vote Tuesday to end the three month strike that cost the entertainment industry millions of dollars.
Updated: 02/13/2008 - One lawmaker wants to run people's DNA through a database to see if they've committed other crimes
Posted: 02/12/2008 - A father and four children died Tuesday in an early morning house fire in a community along Lake Huron, officials said.
Updated: 02/12/2008 - A combination of snow and sickness has school districts worried about state funding.
Updated: 02/12/2008 - Winter's freezing temperatures are wreaking havoc on vehicles.
Updated: 02/12/2008 - General Motors announces buyouts to all of its U.S. hourly workers.
Updated: 02/12/2008 - Need your walk melted? It may have to wait.
Updated: 02/12/2008 - We've obtained a copy of the report used to investigate the standoff and shooting at a Lansing motel.
Posted: 02/12/2008 - State considers plan to allow some a 5th year of high school
Updated: 02/12/2008 - Michigan AG Cox says Kilpatrick mishandled text-messaging scandal
Posted: 02/12/2008 - Indiana investigators looking into the death of Rylan Cotter haven't found any clues after a review of surveillance tapes from local businesses.
Posted: 02/11/2008 - The mayor, who once entertained an idea to ask deaf people to move near the airport, says he didn't want the marines practicing as thousands of people left their offices.
Updated: 02/13/2008 - State Police turn another traffic stop on I-94 in Jackson County into a marijuana bust.
Updated: 02/12/2008 - Yahoo formally rejected Microsoft's buyout offer Monday, but left the door open for more negotiations.


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Cascades Renews Its Normal Course Issuer Bid
KINGSEY FALLS,QC, March 13, 2013 /PRNewswire/ - Cascades Inc. (TSX: CAS) announces that the Toronto Stock Exchange accepted its notice of intention to begin a normal course issuer bid in respect of its Common Shares. Purchases pursuant to the normal course issuer bid will commence on March 15, 2013 and will not continue beyond March 14, 2014. The Common Shares purchased shall be cancelled.
The notice will enable Cascades to acquire up to 2,816,753 Common Shares which represents approximately 3% of the 93,891,776 issued, and outstanding Common Shares as of March 1 st, 2013. Since March 1 st, 2012, Cascades purchased 482,686 Common Shares at an average weighted cost of $4.33.
The average daily trading volume of Cascades' Common Shares was 88,213 on the Toronto Stock Exchange over the last six completed calendar months (the ADTV). Accordingly, Cascades is entitled to purchase up to 25% of the ADTV on any trading day being 22,053 Common Shares.
All purchases will be made through the facilities of the Toronto Stock Exchange in accordance with its requirements.
Cascades considers that the shares to be acquired may, from time to time, be undervalued in the market and represent an excellent opportunity to enhance shareholder value. Founded in 1964, Cascades produces, converts and markets packaging and tissue products that are composed mainly of recycled fibres. The Corporation employs more than 12,000 employees, who work in more than 100 units located in North America and Europe. With its management philosophy, half a century of experience in recycling, and continuous efforts in research and development as driving forces, Cascades continues to serve its clients with innovative products. Cascades' shares trade on the Toronto Stock Exchange, under the ticker symbol CAS. Certain statements in this release, including statements regarding future results and performance, are forward-looking statements (as such term is defined under the Private Securities Litigation Reform Act of 1995) based on current expectations. The accuracy of such statements is subject to a number of risks, uncertainties and assumptions that may cause actual results to differ materially from those projected, including, but not limited to, the effect of general economic conditions, decreases in demand for the Corporation's products, increases in raw material costs, fluctuations in selling prices and adverse changes in general market and industry conditions and other factors listed in the Corporation's Securities and Exchange Commission filings. SOURCE CASCADES INC.Check Out Our Best Services for Investors
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Abigail Hopper, Energy Advisor to Md. Governor Martin O'Malley.
Pines Recognized with Maryland Speaker's Medallion
Jonathan Simon wins $1.5M NIH NIDCD grant for 'auditory scene' research
Radermacher Receives Institute of Refrigeration J&E Hall Gold Medal
Simple Stretchable Conducting Material is Robust and Inexpensive
ASCE Maryland Hosts Inaugural "Suit Up & Be Civil" Event
Mechanical Engineering Clinches 2015 Alumni Cup Title
Grip Boost Hopes Its Idea Sticks at Cupid's Cup Business Competition
Anisimov Receives USM Regents' Award
Non-Toxic, Edible Materials Could Help Break Up Oil Slicks
'I am very humbled': Hafezi Awarded Prestigious Sloan Fellowship
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Top: UMERC director Eric Wachsman (far left) gives a tour of the new facilities. Middle: The ribbon-cutting. Left to right: Clark School dean Darryll Pines, director of ARPA-E Arun Majumdar, Wachsman, and UMD past president C.D. (Dan) Mote, Jr. Bottom: The plug-in hybrid electric Chevy Volt at one of the university's charging stations. Photos by Alan P. Santos.
Energy research and policy leaders from the government, academia and industry gathered for the grand opening of the University of Maryland Energy Research Center's (UMERC) new facilities on September 26, 2011. The facilities are located in a freshly-renovated wing of the Engineering Lab Building, and were funded in part by the Department of Energy's Advanced Research Projects Agency—Energy (ARPA-E).
Special guests included Arun Majumdar, director of ARPA-E and Senior Advisor to U.S. Secretary of Energy Steven Chu, and Abigail Hopper, Energy Advisor to Governor Martin O'Malley. Representatives from GM and Toyota exhibited some of the most exciting advances in automotive technology: a plug-in hybrid electric Chevy Volt, a fuel-cell powered Chevy Equinox, and the new plug-in hybrid Toyota Prius.
After an open house highlighting the center's new labs and offices, visitors attended a ribbon-cutting ceremony hosted by UMERC director and William L. Crentz Centennial Chair in Energy Research Eric D. Wachsman (Departments of Materials Science & Engineering and Chemical & Biomolecular Engineering), who described the center as "the hub of energy activities for the campus."
University of Maryland past president C.D. (Dan) Mote, Jr. presented an overview of the center, which was conceived during his tenure. He highlighted some of its many research projects, environmental policy groups, entrepreneurial activities, and collaborations with industry.
In his remarks, Majumdar explained that while and even because universities have little authority and no financial stake in energy policy, centers like UMERC are "the ideal convening power" in bringing diverse groups of scientists, businesses, policy makers, and financial experts together to solve global energy problems.
Hopper described what she and Governor O'Malley see as the critical role UMERC will play in helping Maryland address its energy concerns. "UMERC is a vibrant example of an innovative institution that is fueling our economy, creating green jobs, and developing the technologies that will allow us to meet these big, bold goals that we have set for ourselves," she said.
UMD Vice President of Research Patrick O'Shea reminded the audience that UMD and UMERC's roles in education were just as important as their sponsored research. "We are in the business of educating explorers...not training tourists," he said, citing the university's Solar Decathlon team and its model home, Watershed, as a prime example of energy education that transcends the classroom.
A. James Clark School of Engineering dean Darryll Pines congratulated the UMERC faculty for its vision and expressed his hope that it would address the grand challenge of reducing society's dependence on oil on the global stage. "We need to work hard and think bigger," he said.
Watch the ribbon-cutting ceremony online »
In his keynote address, "The Global Energy Challenge and Possible Solutions," Majumdar began with a history of ARPA-E and explained its role as the "creator of new learning curves" by supporting high-risk, high-return energy research. Majumdar told the audience he believes that in order to remain a world leader and prepare for the nation's growing energy needs, the U.S. has an approximately 20-year window of opportunity in which to produce game-changing policies and energy technologies that will make biofuels and sustainable energy resources into viable business ventures. He described some of the newest innovations that could make this possible, including electrofuels, lithium-air batteries, and all-electron batteries.
Watch Arun Majumdar's lecture online »
Founded in 2006, UMERC brings world-renowned researchers across many disciplines together to work on the development of sustainable energy technologies and policies. The center's areas of focus include green jobs, energy entrepreneurship, building efficiency, stationary power generation and storage, alternative energy sources and fuels, and electric, hybrid and fuel cell-powered vehicles. Professor Greg Jackson (Department of Mechanical Engineering) serves as the center's associate director.
To learn more about UMERC's reseach and programs, visit www.energy.umd.edu.
Related media coverage:
Washington Post: "New UMd energy research center to focus on alternative energy generation and storage" »
Fox 5 (WTTG D.C.) news: "University of Maryland Opening Energy Research Center" »
ABC 7 (WJLA D.C.) news: "UMd. opening energy research center" »
Related Articles: Cumings Leads EFRC Nanowire Team UMERC/Nanocenter Team Named "Energy Frontier" Center Steve Gabriel Lead Author of New Book Clark School Students Win National Energy Competition Clark School Students Shine in Recent Competitions 2012 Energy Research Fellows Announced New Advance for Alkaline Fuel Cells Want Fuel Cells? Think Outside the Hydrogen Tank University of Maryland Wins 2011 Solar Decathlon UM a Lead University in National Clean Energy Business Plan Competition
September 27, 2011


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Letting agents will face fines over fees
Posted: May 15, 2014
|Letting agents will face fines if they fail to publish full details of fees charged to tenants. The announcement, made by business minister Jenny Willott, has been met positively in Nottingham.
Local letting agent Simon Perkins, partner at PWR Lettings, said: "I think that agents having to disclose all fees to prospective tenants is a good move. It ensures transparency for tenants, who can then shop around to see which agents they will consider. Indeed, there are a number of unregulated agents who seem to take advantage of tenants, charging them unjustifiable high fees for very little work."
Ms Willott said transparency would mean agents would have to justify their fees properly for the first time.
She said: "Currently, the Advertising Standards Authority only requires letting agents to list charges to the tenant upfront in their advertisements. Those letting agents found to have imposed hidden charges face little more than being named and shamed on the agency's website.
"We want to go further than this to require all letting agents to publish a full tariff of their fees both on their websites and prominently in their offices.
"Anyone who does not comply with these rules will face a fine, which is a much stricter penalty than currently exists."
Daniel Gooding, partner at Rex Gooding Town and Country, in West Bridgford and Bingham, said: "I think agents should face fines if they are not completely transparent about their fees.
"Regulated agents like us welcome the news in order to clamp down on the cowboy lettings agents that give the industry a bad reputation.
"All lettings agents should be licensed members of ARLA requiring them to meet all the current regulations protecting the tenant and landlord alike.
"I am pleased that a total ban on fees was not voted for as this would have severely impacted on the viability of the good agents who responsibly and willingly bear the burden of self-regulation.
"Unregulated agents would have been better able to absorb the withdrawal of fees as they do not bear the same costs as the good guys."
What the agents said:
Tom Davies Lettings manager Haart Nottingham Lettings:
"I think it is important that all agents are transparent with their fees to allow any prospective tenants to be able to budget adequately and to prevent them being hit with unexpected expenses."
Daniel Gooding Residential partner Rex Gooding Town and Country Homes:
"Regulated agents call for reasonable fees to tenants and advertise transparently prior to the transactional decision, as required by the ASA, CPRegs and our own regulatory bodies."
Tamsin Wheatcroft Client relationship manager Cavendish Lettings:
"I personally like the idea of being transparent. Tenants will be able to see the value of our services and exactly what we cover . A tenant can base their search on fees but even more importantly, it is important to pick an agent that is professionally accredited with excellent levels of customer care."
Henry Shaw Head of lettings FHP Living:
"It's a positive move for the lettings industry as a whole. Public perception of lettings agents can, at times, be quite negative – tenants sometimes feel they're being 'ripped off' or 'stung by hidden fees'. We try to make costs as transparent as possible and charge one upfront fee which covers all aspects of administration. No further costs are incurred. The introduction of fines for lack of transparency should be welcomed by all good and honest lettings agents. It should raise the profile of the industry which will be a positive for both tenants and letting agents."
Simon Perkins, partner at PWR Lettings
"Hopefully, by having fines imposed [unscrupulous] agents will either clean up their act or leave the sector, providing a better private rented sector for all parties."


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Everton v Birmingham
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A Lesson in Love
From Wikipedia, the free encyclopedia
This article is about the 1954 Swedish film. For the 1931 American film, see A Lesson in Love (1931 film).
A Lesson in Love | |
Directed by | Ingmar Bergman |
Produced by | Allan Ekelund |
Written by | Ingmar Bergman |
Starring | Eva Dahlbeck Gunnar Björnstrand Yvonne Lombard Harriet Andersson Åke Grönberg Olof Winnerstrand Renée Björling John Elfström Birgitte Reimer Dagmar Ebbesen Sigge Fürst |
Cinematography | Martin Bodin |
Edited by | Oscar Rosander |
Distributed by | AB Svensk Filmindustri |
Release dates
Running time
96 minutes |
Country | Sweden |
Language | Swedish |
A Lesson in Love (Swedish: En lektion i kärlek) is a 1954 Swedish film directed by Ingmar Bergman.
The film is a comedy by Ingmar Bergman and one of his early films. It deals with the marriage of David (a gynecologist) and his wife Marianne.
The filmscore is by Dag Wirén.
- Eva Dahlbeck – Marianne Erneman
- Gunnar Björnstrand – David Erneman
- Yvonne Lombard – Susanne Verin
- Harriet Andersson – Nix
- Åke Grönberg – Carl-Adam
- Olof Winnerstrand – Professor Henrik Erneman
- Renée Björling – Svea Erneman
- John Elfström – Sam
- Birgitte Reimer – Lise
- Dagmar Ebbesen – Nurse Lisa
- Sigge Fürst – Vicar
External links[edit]
- A Lesson in Love at the Internet Movie Database
- A Lesson in Love at the Swedish Film Institute Database
This film article about a 1950s comedy is a stub. You can help Wikipedia by expanding it. |
This article related to Swedish film is a stub. You can help Wikipedia by expanding it. |


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Reviewed By | Date | Rating | Strength | Flavoring | Taste | Room Note | |
SteelCowboy (521) | Mild to Medium | Extremely Mild | Medium | Pleasant to Tolerable |
How many cigar/pipe shops in America still create their very own flakes and kakes? My guess is that it is less than five. But as with the other flakes and kakes that I have tried from Watch City, Flake #558 doesn't disappoint. #558 is a flake that is cut a little on the thick side and the pouch sent offers a deep, earthy, slightly sweet scent. Flake #558 is comprised of red, bright and stoved Virginias with added perique. The flake is a little on the darker side than Old Dominion, another WC flake I am working my way through. I thought there might be just a pinch of added Cavendish in there too, but it was just the effect the stoved had on the blend. But that is just a guess. Due to the thickness of the flake, I prefer to let it dry a bit and then break it up into small pieces with a little fully rubbed out to get the party started. In the pipe, this is one smooth flake with no hint of bite. #558 burns cool and slightly sweet. Kudos to Watch City on another fine blend. I can't wait to see what three or four years in the cellar will do to this one. Good stuff!
Purchased From: Watch City Cigar
4 people found this review helpful.
Reviewed By | Date | Rating | Strength | Flavoring | Taste | Room Note | |
DK (619) | Medium | Extremely Mild | Medium | Pleasant |
Another classic from Ernie Q, this VePer with Kentucky crumb cake is a bit darker in color than his Slices. The aroma is sweeter and tangier as well, which is far from surprising. Ernie moves to the Virginia spectrum but still adds a bit of Kentucky to keep this one from hovering towards the "too sweet". As a result, it's excellent.
The tang from the Virginias is not of the typical "grassy" nature but more of a sweet hay. The perique strikes a perfect balance between darkly sweet and spicy that works wonderfully, while the Kentucky provides a bit of down home grit to the proceedings. This was another blend that just wouldn't stay out of my pipes. Generally I smoke a lot of bowls of my favorites alongside the blends I'm reviewing but this and the Slices wouldn't hear of it. Those two blends are extremely complementary, one being bold and earthy and the other tangy and "upscale". I have no doubt this one will age beautifully. If you have yet to check out the Watch City blends, don't wait any longer. I wish I had gotten onboard sooner.
2 people found this review helpful.
Reviewed By | Date | Rating | Strength | Flavoring | Taste | Room Note | |
½ bowl (39) | Medium | Extremely Mild | Medium | Unnoticeable |
I pretty much concur with Steelcowboy's review, which will spare you a lot of redundant reading. I was surprised to see such thick, crumbly flakes -- a unique presentation in my experience. This is closer to a crumble cake, yet arguably a flake cut. Slow burning and satisfying with a good whole mouth feel, great body, and a pleasing combination of bready Va flavors and fruit-like Perique. Nothing sharp or grassy, nor peppery here. It has a sweet woody edge that suggests some nut-like Burley in the mix. Top notch!
Pipe Used: Ser Jacopos and Radices
Age When Smoked: Fresh, young.
Purchased From: Watch City
Similar Blends: 4noggins' Prairie Wind for its fruitiness, and Dunhill's Elizabethan for the nuttier flavor elements..
2 people found this review helpful.
Reviewed By | Date | Rating | Strength | Flavoring | Taste | Room Note | |
Heliumbro (13) | Mild to Medium | None Detected | Medium | Pleasant to Tolerable |
(I am a newer and irregular pipe smoker. My reviews are subject to my preferences and tastes and pipe smoking habits)
As before, SteelCowboy has really done the heavy lifting in describing this tobacco, so I will only add any differences I may have noticed in my smoking experiences. As Ernie at WCC had treated me so well in the past, I knew I had to give some return business and especially to his house blends. He informed me that he felt his blends were presented in a 'Crumble Flake' form, a little bit of both worlds. This thick cut flake was rubbed out and packed gently. Took a flame easily and required only a few relights on my part. Aside from the aforementioned VaPer flavours, there is a woody/earthy note in the background throughout the smoke. I didn't get much in the way of strong sweet and sour, but a more rich, dark meaty smoke that was a little drier than I was expecting. Still very nice and different from what I normally have experienced in VaPer's. The Burly adds that extra little something to the taste, yet stays cool with little to no bite. I did get some Perique spice but it was very slight. Overall a very balanced smoke and a surprising treat. WCC is one of the hidden gems with a great in store selection and an honest, no BS proprietor who knows how to blend and sell his own tobaccos.
Pipe Used: Estate Cesare Billiard
Age When Smoked: unknown/Fresh purchased
Purchased From: Watch City Cigar
1 person found this review helpful.