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AFTER A RECORD-SETTING RALLY LAST Wednesday, the brutal selloff in financial stocks -- the worst for any major industry group since the technology bubble burst in 2000 -- could be over.
Many financial companies face additional loan losses and credit-related write-downs in the coming quarters, particularly if the economy stays weak into 2009. Yet a slew of earnings reports last week from marquee banks like Wells Fargo wfc -0.6755523096585722% Wells Fargo & Co. U.S.: NYSE USD54.4 -0.37 -0.6755523096585722% /Date(1427835692213-0500)/ Volume (Delayed 15m) : 12583429 AFTER HOURS USD54.54 0.14 0.25735294117647056% Volume (Delayed 15m) : 722783 P/E Ratio 13.015910994138055 Market Cap 281823690666.009 Dividend Yield 2.573529411764706% Rev. per Employee 340658 More quote details and news » and JPMorgan Chase jpm -0.6233595800524935% JPMorgan Chase & Co. U.S.: NYSE USD60.58 -0.38 -0.6233595800524935% /Date(1427835633639-0500)/ Volume (Delayed 15m) : 16825059 AFTER HOURS USD60.56 -0.02 -0.03301419610432486% Volume (Delayed 15m) : 521608 P/E Ratio 11.365853658536585 Market Cap 227277956352.253 Dividend Yield 2.641135688345989% Rev. per Employee 403805 More quote details and news » suggests that most financial companies have sufficient earning power to offset a rising tide of bad loans and should be able to absorb further write-downs without having to seek significant amounts of additional capital.
Financial stocks in the Standard & Poor's 500 index are down 29% this year and off 43% in the past 12 months, even after a record-setting 13% gain Wednesday and a 6% rise Thursday. The group was up slightly Friday. Financials are the worst-performing group this year in the S&P, which is off 14%. And they've risen just 10% since the most recent bull market began in October 2002, against a 62% advance by the index. Financials are down to 14% of the S&P 500 from a high of 23% in late 2006 as more than $1 trillion of market value has vaporized, in part because of huge declines in such former mega-stocks as Citigroup c -0.23237800154918667% Citigroup Inc. U.S.: NYSE USD51.52 -0.12 -0.23237800154918667% /Date(1427835655433-0500)/ Volume (Delayed 15m) : 13151130 AFTER HOURS USD51.52 % Volume (Delayed 15m) : 777811 P/E Ratio 23.312217194570135 Market Cap 156723994143.717 Dividend Yield 0.07763975155279502% Rev. per Employee 390166 More quote details and news » (ticker: C) and American International Group aig 0.2011704462326262% American International Group Inc. U.S.: NYSE USD54.79 0.11 0.2011704462326262% /Date(1427835728940-0500)/ Volume (Delayed 15m) : 7243812 AFTER HOURS USD54.79 % Volume (Delayed 15m) : 180344 P/E Ratio 10.449924662890275 Market Cap 75044802821.178 Dividend Yield 0.9125752874612155% Rev. per Employee 981769 More quote details and news » (AIG).
U.S. financial stocks beckon because nearly every major company now trades for under 10 times projected 2009 profits. Though there is considerable uncertainty about '09 profits, considering the tough economic outlook, what is comforting is that many financials combine low forward P/Es with and low ratios of price-to-book value, derived by subtracting liabilities from assets and dividing by the company's outstanding shares. It historically has proven profitable to snap up major financials around book value because purchasers effectively are getting the ongoing businesses for nothing.
"This is a once-in-a-generation opportunity in the financials," says Mark Boyar, head of the New York investment firm bearing his name. Boyar is partial to such stocks as JPMorgan Chase (JPM), Lehman Brothers (LEH), Travelers trv -1.3772345859175483% Travelers Cos. Inc. U.S.: NYSE USD108.13 -1.51 -1.3772345859175483% /Date(1427836245137-0500)/ Volume (Delayed 15m) : 1872719 AFTER HOURS USD108.13 % Volume (Delayed 15m) : 72035 P/E Ratio 9.984302862419206 Market Cap 35234895652.2406 Dividend Yield 2.034587995930824% Rev. per Employee 900265 More quote details and news » (TRV) and Bank of New York Mellon bk -0.12410027302060064% Bank of New York Mellon Corp. U.S.: NYSE USD40.24 -0.05 -0.12410027302060064% /Date(1427835674226-0500)/ Volume (Delayed 15m) : 3528226 AFTER HOURS USD40.24 % Volume (Delayed 15m) : 122383 P/E Ratio 18.573736441264714 Market Cap 44908807864.9649 Dividend Yield 1.6898608349900597% Rev. per Employee 300616 More quote details and news » (BK). The last time financial stocks were hit so badly was in 1990, when the group fell 24%. That was followed by a 43% gain in 1991.
Regional banks, which had been pummeled until a sharp rebound that started Wednesday, have deposit bases that are so valuable that buyers of banks historically have paid sizable premiums to get them. Deposits now are being accorded little or no value throughout the banking industry as many institutions, including SunTrust Banks sti -0.09725261366399222% SunTrust Banks Inc. U.S.: NYSE USD41.09 -0.04 -0.09725261366399222% /Date(1427835980856-0500)/ Volume (Delayed 15m) : 2611698 AFTER HOURS USD40.4 -0.69 -1.6792406911657338% Volume (Delayed 15m) : 48449 P/E Ratio 12.579598334557923 Market Cap 21584941216.0623 Dividend Yield 1.9469457288878071% Rev. per Employee 334402 More quote details and news » (STI), Marshall & Isley (MI), Comerica cma -0.616604272186743% Comerica Inc. U.S.: NYSE USD45.13 -0.28 -0.616604272186743% /Date(1427835833963-0500)/ Volume (Delayed 15m) : 1659456 AFTER HOURS USD45.13 % Volume (Delayed 15m) : 14511 P/E Ratio 13.801223241590215 Market Cap 8086113273.91525 Dividend Yield 1.772656769333038% Rev. per Employee 281075 More quote details and news » (CMA), Wachovia wb 0.4676539360872954% Weibo Corp. ADS U.S.: Nasdaq USD12.89 0.06 0.4676539360872954% /Date(1427835600043-0500)/ Volume (Delayed 15m) : 353019 AFTER HOURS USD12.912 0.022 0.17067494181536075% Volume (Delayed 15m) : 2200 P/E Ratio N/A Market Cap 2568067975.44891 Dividend Yield N/A Rev. per Employee 162930 More quote details and news » (WB) and Zions Bancorporation (ZION) trade around their tangible book values -- a conservative measure that excludes goodwill and other intangible assets.
Investors with a six-to-twelve-month horizon may want to look at financial stocks, many of which are trading below ten times the forward price-to-earnings ratio, says Barron's Andrew Bary. (July 21)
Most financial stocks look attractive, including securities firms Lehman Brothers and Merrill Lynch (MER), banks including Bank of America bac -0.8376288659793815% Bank of America Corp. U.S.: NYSE USD15.39 -0.13 -0.8376288659793815% /Date(1427835843487-0500)/ Volume (Delayed 15m) : 59902058 AFTER HOURS USD15.38 -0.01 -0.0649772579597141% Volume (Delayed 15m) : 1479677 P/E Ratio 42.75 Market Cap 163276618878.357 Dividend Yield 1.299545159194282% Rev. per Employee 436397 More quote details and news » (BAC), SunTrust and Wachovia, as well as insurers ranging from American International Group to Allstate all 0.31007751937984496% Allstate Corp. U.S.: NYSE USD71.17 0.22 0.31007751937984496% /Date(1427835753880-0500)/ Volume (Delayed 15m) : 3436274 AFTER HOURS USD71.17 % Volume (Delayed 15m) : 124436 P/E Ratio 11.155172413793103 Market Cap 29545494517.7399 Dividend Yield 1.6861036953772657% Rev. per Employee 867413 More quote details and news » (ALL) and Prudential Financial pru -0.07465472191116088% Prudential Financial Inc. U.S.: NYSE USD80.31 -0.06 -0.07465472191116088% /Date(1427835927436-0500)/ Volume (Delayed 15m) : 2234323 AFTER HOURS USD80.31 % Volume (Delayed 15m) : 57306 P/E Ratio 27.143677966674552 Market Cap 36502768562.2119 Dividend Yield 2.8888058772257503% Rev. per Employee 1211330 More quote details and news » (PRU). Except for AIG, the major property-and-casualty and life insurers have limited exposure to troubled assets like subprime mortgages and offer a lower-risk way to play further gains in financial stocks.
Investors who want to emulate Warren Buffett can buy Berkshire Hathaway's major financial holdings: American Express, axp 0.4242190512919398% American Express Co. U.S.: NYSE USD78.12 0.33 0.4242190512919398% /Date(1427835656691-0500)/ Volume (Delayed 15m) : 5764779 AFTER HOURS USD78.12 % Volume (Delayed 15m) : 153491 P/E Ratio 13.97495527728086 Market Cap 79546610907.5164 Dividend Yield 1.3312852022529442% Rev. per Employee 666833 More quote details and news » (AXP), Wells Fargo wfc -0.6755523096585722% Wells Fargo & Co. U.S.: NYSE USD54.4 -0.37 -0.6755523096585722% /Date(1427835692213-0500)/ Volume (Delayed 15m) : 12583429 AFTER HOURS USD54.54 0.14 0.25735294117647056% Volume (Delayed 15m) : 722783 P/E Ratio 13.015910994138055 Market Cap 281823690666.009 Dividend Yield 2.573529411764706% Rev. per Employee 340658 More quote details and news » (WFC) and U.S. Bancorp usb -0.2740351678465403% U.S. Bancorp U.S.: NYSE USD43.67 -0.12 -0.2740351678465403% /Date(1427835655688-0500)/ Volume (Delayed 15m) : 5587698 AFTER HOURS USD43.67 % Volume (Delayed 15m) : 126417 P/E Ratio 14.132686084142394 Market Cap 78064651657.7499 Dividend Yield 2.2441035035493475% Rev. per Employee 306802 More quote details and news » (USB). Buffett was a big buyer last year of Wells Fargo -- at an average price above the current level.
Some financials probably still are worth avoiding, including Fannie Mae (FNM), Freddie Mac (FRE) and Washington Mutual WM 0.4073319755600815% Waste Management Inc. U.S.: NYSE USD54.23 0.22 0.4073319755600815% /Date(1427835873309-0500)/ Volume (Delayed 15m) : 2263985 AFTER HOURS USD54.5 0.27 0.49787940254471696% Volume (Delayed 15m) : 73292 P/E Ratio 19.23049645390071 Market Cap 24714434934.1599 Dividend Yield 2.839756592292089% Rev. per Employee 351859 More quote details and news » (WM), the country's largest thrift. They all face major mortgage problems.
Dividend yields are high throughout the sector. High-quality banks like Wells Fargo, U.S. Bancorp, JPMorgan and PNC Financial PNC -0.6499733617474693% PNC Financial Services Group Inc. U.S.: NYSE USD93.24 -0.61 -0.6499733617474693% /Date(1427835681505-0500)/ Volume (Delayed 15m) : 2306341 AFTER HOURS USD93.24 % Volume (Delayed 15m) : 32655 P/E Ratio 12.773318264557428 Market Cap 48866755934.6161 Dividend Yield 2.0592020592020592% Rev. per Employee 297255 More quote details and news » (PNC) yield in the 4%-7% range, while banks with less certain dividend outlooks, like Bank of America and SunTrust, yield about 9%. Investors looking for a safer alternative to common shares can buy preferred stock.
The huge gain in the financials Wednesday, when Wells Fargo rose 6.72, a stunning 33%, to 27.23, was an extreme example of the volatility in the sector. Fannie Mae, Freddie Mac, Lehman and Wachovia have regularly experienced crazy volatility, including recent intraday ranges of 30% or more and daily volume of more than 100 million shares. This likely reflects sizable short interest in the sector and the furious activity of momentum-driven hedge funds.
A popular hedge-fund "pair" trade lately has been to hold energy stocks and short financials. As oil prices fell at midweek and financials rallied, the funds scrambled to limit their losses by buying financials while dumping such stocks as Devon Energy dvn -0.6588700378850272% Devon Energy Corp. U.S.: NYSE USD60.31 -0.4 -0.6588700378850272% /Date(1427835650913-0500)/ Volume (Delayed 15m) : 3062542 AFTER HOURS USD60.31 % Volume (Delayed 15m) : 72948 P/E Ratio 15.307883648916189 Market Cap 24830389625.5493 Dividend Yield 1.5917758249046592% Rev. per Employee 2659850 More quote details and news » (DVN) and Apache apa -0.821962847279303% Apache Corp. U.S.: NYSE USD60.33 -0.5 -0.821962847279303% /Date(1427835748965-0500)/ Volume (Delayed 15m) : 2656226 AFTER HOURS USD60.33 % Volume (Delayed 15m) : 84580 P/E Ratio N/A Market Cap 22922143661.1749 Dividend Yield 1.657550140891762% Rev. per Employee 2777580 More quote details and news » (APA), which fell by more than 10% Wednesday and Thursday.
It shouldn't have come as a surprise that financials took off Wednesday, a day after the Securities and Exchange Commission ordered that potential short sellers arrange to borrow shares of 19 financial companies before shorting them. This new rule is designed to prevent "naked" short-selling, in which borrowing isn't arranged ahead of time.
There have been some false dawns for the financials this year, with Barron's prematurely championing some of the strongest companies in the sector in a cover story ("Hitting Bottom?" March 24) after JPMorgan agreed to buy Bear Stearns in a fire sale.
Banks and brokerage firms may not earn the lush 20% return on equity that they enjoyed until this year as regulators toughen capital standards and high-margin businesses like asset securitization largely disappear. Most of the stocks, however, aren't priced to reflect a return to anything like those lofty returns.
Globally, financial companies have taken a total of $447 billion of losses and write-downs, while raising $331 billion of new capital, according to data compiled by Bloomberg. Nearly half the losses have come from U.S. financial companies, led by Citigroup and Merrill Lynch, which have taken stunning hits of $54 billion and $46 billion, respectively, largely related to the U.S. mortgage market. It's possible that financial stocks won't bottom until the economy does in late 2008 or 2009, but many industries historically have rallied ahead of an actual improvement in financial results.
Analysts at Keefe Bruyette & Woods, a specialist in financial companies, recently did an extensive study of some 180 banks and found that they may need to raise a total of $30 billion in new capital to offset potential losses under what the firm's analysts call a "stressed scenario." This seems like a manageable figure, despite the increased reluctance of investors to pump new capital into financial firms.
Among the companies that may need capital are Bank of America, Wachovia, Washington Mutual and Wells Fargo, the KBW analysis showed. Fifth Third Bancorp fitb -1.1017838405036726% Fifth Third Bancorp U.S.: Nasdaq USD18.85 -0.21 -1.1017838405036726% /Date(1427835600276-0500)/ Volume (Delayed 15m) : 10307199 AFTER HOURS USD18.85 % Volume (Delayed 15m) : 1258053 P/E Ratio 11.220238095238095 Market Cap 15537844416.9274 Dividend Yield 2.7586206896551726% Rev. per Employee 332679 More quote details and news » (FITB), National City (NCC) and Sovereign Bancorp (SOV) are among those that don't need new capital, the firm concluded.
David Konrad, a banking analyst at Keefe, is partial to Fifth Third, National City and Sovereign. He notes that Fifth Third, whose shares now trade around 13, has a valuable processing business that could be worth half its market value. This unit could be sold to boost capital. He thinks the beaten-down National City, whose shares are down 74% to 4 this year, will get by without raising capital.
SunTrust looks attractive because the Atlanta-based bank now trades for $34, just a small premium to its tangible book value of $30.65; stated book value, including goodwill, is $51 a share. A year ago, the stock was trading in the 80s and there was talk that JPMorgan might pay more than $100 for the company. SunTrust's allure, despite its loan problems, is its status as the last big independent bank in the Southeast, with a desirable deposit franchise and geographic footprint.
AIG has had a huge comedown in the past year, with its stock falling to 25 from a 2007 peak of 72. Analyst Joshua Shanker at Citigroup last month upgraded AIG to a Buy from Hold, citing valuation. It now trades for 76% of its book value of $33 a share and under six times Shanker's 2009 earnings estimate of $4.40 a share.
Shanker is also partial to Allstate, which at 45 now trades for eight times projected 2008 profits of $5.57 a share and for 1.2 times book value.
The big outlier in the brokerage sector remains Lehman Brothers, the only major firm whose stock trades way below book value. At 18, the shares trade for less than 60% of its $33-a-share book value. With the stock up sharply from its low Monday of $12, the buyout talk that briefly surfaced last week is apt to fade. Given its access to government borrowing facilities and its bolstered capital base, Lehman looks like a survivor and its stock could be markedly higher by year end.
Prudential, with shares at 60, trades for just eight times this year's expected profits and 1.2 times book value of $49 a share. "Prudential has a solid business mix and a leadership position in Japanese market," says Morgan Stanley analyst Nigel Dally. "The stock has come down a lot and it's the most compelling opportunity in the sector."
From banks to brokerages to insurers, investors have plenty of choices -- and ways to profit -- in the most battered sector of the stock market. Given the likely volatility in the sector, investors might do well to take the advice of Buffett: Buy good companies at fair prices and then turn off the quote screen.
A Preferred Alternative
THE TURMOIL IN BANK AND OTHER FINANCIAL stocks has spilled into the usually placid $400 billion preferred market.
From the end of June through Wednesday, the preferred market declined 15.2%, bringing the year-to-date loss to 18.9%, according to Merrill Lynch. Yields on bank and brokerage preferred issues have risen to the 7%-15% range -- junk-bond returns on a group of securities that generally carry credit ratings of single-A or above. With high yields and depressed prices, financial preferreds offer a real alternative to common shares.
The advantage of preferred is that it's senior to common stock, making dividends more secure. Preferred, however, typically counts as equity, putting holders behind bond owners in a bankruptcy or insolvency.
The woes of Fannie Mae and Freddie Mac are a major reason for the preferred market's recent swoon. Like their common shareholders, preferred holders of the two mortgage giants worried about their fate in a potential federal bailout. They dumped Fannie and Freddie preferred, sending Fannie's series T issue down to 15.60 on Thursday from 24 on June 30. Like most preferreds, Fannie's New York Stock Exchange-listed issues were sold at $25 to lure retail investors. Other preferred is sold with a $1,000 face value.
Retired mutual-fund star Michael Price has criticized preferreds as having "$1 of upside and $25 of downside" if investors paid the original price, because most issues can be redeemed by the company at $25 five years after issuance. This caps the appreciation potential. But at today's prices, preferred shares are much more attractive. Someone buying Merrill Lynch's preferred M at 16 has almost nine points, or 50%, upside to $25.
While all $25-par issues are called preferred, there actually are two main types: regular preferred and trust preferred, which technically is debt and is senior to regular preferred. Dividends of regular preferred are taxed at the preferential 15% tax rate, while trust-preferred payouts are taxed as ordinary income. But a regular-preferred's issuer, unlike a trust preferred's, typically can skip a dividend and not have to make it up if payouts resume.
Besides Fannie Mae, there are plenty of other preferreds with double-digit yields, including Lehman Brothers, Wachovia wb 0.4676539360872954% Weibo Corp. ADS U.S.: Nasdaq USD12.89 0.06 0.4676539360872954% /Date(1427835600043-0500)/ Volume (Delayed 15m) : 353019 AFTER HOURS USD12.912 0.022 0.17067494181536075% Volume (Delayed 15m) : 2200 P/E Ratio N/A Market Cap 2568067975.44891 Dividend Yield N/A Rev. per Employee 162930 More quote details and news » and Washington Mutual. WM 0.4073319755600815% Waste Management Inc. U.S.: NYSE USD54.23 0.22 0.4073319755600815% /Date(1427835873309-0500)/ Volume (Delayed 15m) : 2263985 AFTER HOURS USD54.5 0.27 0.49787940254471696% Volume (Delayed 15m) : 73292 P/E Ratio 19.23049645390071 Market Cap 24714434934.1599 Dividend Yield 2.839756592292089% Rev. per Employee 351859 More quote details and news » WaMu's is among the riskiest financial preferreds, trading for just 6.50, a fraction of its face value of $25, but WaMu says it's adequately capitalized. Many companies like Lehman, Citigroup c -0.23237800154918667% Citigroup Inc. U.S.: NYSE USD51.52 -0.12 -0.23237800154918667% /Date(1427835655433-0500)/ Volume (Delayed 15m) : 13151130 AFTER HOURS USD51.52 % Volume (Delayed 15m) : 777811 P/E Ratio 23.312217194570135 Market Cap 156723994143.717 Dividend Yield 0.07763975155279502% Rev. per Employee 390166 More quote details and news » and Wachovia have issued both fixed-rate "straight" preferred and convertibles. A convert, like the Lehman issue in the table, has the advantage of giving investors a call option on the stock. Converts usually yield less than straight preferred.
-- Andrew Bary

subset: commoncrawl


text:
Comment: Re:WWJD (Score 1) 751
But you feel entitled to tell people how they should act and whether they should grovel in front of your imaginary buddy?
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But you feel entitled to tell people how they should act and whether they should grovel in front of your imaginary buddy?
That country is fucked up.
Nope, just that it makes them look for outlets. If legal, great, if not, well, hormones beat laws.
When their privacy is violated, it makes headlines.
When they violate ours, it's business as usual.
What makes you believe that those are Cook's personal politics, and not Apple's corporate politics? If corporations are persons, then they can also have legitimate political positions.
Also, why do you believe that this is ruining the corporate image of Apple, rather than enhancing it?
From past experience (e.g. Jim Crow), we know that in some cases allowing people to discriminate results in discrimination so pervasive that it severely affects the targeted group - basically, they're unable to obtain the services anywhere, or they can only obtain them for significantly higher prices or significantly lower quality.
So out of curiosity, are those signs that say "We reserve the right to refuse serve to anyone" legal? If they are, then why would they need to pass this law? If not, does a business have the right under ANY circumstance to refuse service to someone outside of where the law demands it (like a bartender refusing to serve an intoxicated customer)?
It is generally legal to refuse service to anyone, except for certain explicitly protected categories (gender, age, religion etc). The catch is that on the federal level, the said protected category list does not include sexual orientation. In some states, it is protected on state level. In some, it's not protected on state level, but is protected on the municipal level. The latter is especially common in large metro areas (which lean liberal pretty much everywhere) in otherwise conservative states.
So, basically, the reason why that law makes a difference is because it overrides various municipal bylaws prohibiting such discrimination, and carves out a religious exemption that pretty much anyone can arbitrarily claim in practice.
And yes, businesses can arbitrarily discriminate in other ways. They can refuse to serve intoxicated customers, for example, or people with mustaches (though in some cases discriminating based on some trait can be illegal if it is found that in practice it results in clear discrimination against some protected class by virtue of correlation).
Are businesses considered to be public and therefore must be open to everyone or are they considered private and open only to whomever the owner wants (like a private club)?
They can be either, it all depends on how you set things up. If you have some notion of membership, and only serve members, then you can apply pretty much arbitrary filters for people wanting to become members, including those protected classes - i.e. it's perfectly legal to have a whites-only private club, for example (though of course you'll get a lot of flak in the media as soon as it comes out).
And to further clarify. The problem with exceptions is that as soon as you open the gates, you need some safeguards to prevent your exceptions from growing so numerous as to effectively render the right useless. Which means that you can just allow arbitrary exceptions for free speech, or vague blanket categories that are not protected. It has to be very, very narrow for the original right to remain meaningfully protected.
I assume you mean this as a rhetorical question, but the same people who protect the rights we are given are the ones who decide the scope of those rights. How else could it work?
For example, by codifying the eligible exceptions into the same document that enumerates the rights, and asserting that anything that is not so codified is not an exception.
Among people upset enough about immigration to visibly protest it on school grounds, a disdain for anchor babies is quite common. A sizable number of anti-immigration individuals would like to deport anchor babies along with their parents. There are even Congress representatives who have pushed bills to this effect. This is not some extreme opinion. Well it is extreme, just not extreme for the anti-immigration crowd.
You missed my point. It's not at all clear why the display of a US flag in the context of Cinco de Mayo has anything to do with anti-immigration sentiment. I would argue that such interpretation, in the absence of any other context, is in fact rather bigoted itself (because it assumes that flag = hate).
You may disagree with it, but most people understand free expression should be limited in some cases. Yelling fire in a crowded theater is one example. Not allowing US flags to be worn simply to incite anger on a school campus is another. No one was being offended by the US flag, they were being offended by the context in which they were worn.
And who decides what are those cases where the right should be limited? Are you aware of the track record of such limitations?
For example, you bring up that famous line "fire in a crowded theater". But do you know its origin? It's from a SCOTUS case that ruled that anti-war speech encouraging draft resistance is not protected speech (this was during WW1). As a result, a number of people from the US Socialist party were jailed for distribution of leaflets with anti-war propaganda.
Luckily, that decision was overturned later, and now the standard for speech that gets outside of the protected boundary is when it can trigger "imminent lawless action". Wearing the flags is obviously a very far cry from that, even if you're right about their meaning (though I do think that it's extremely biased on your behalf to treat the mere presentation of flag as "deport anchor babies").
You touch on something I was just thinking - you replace "homosexual" with "Jew" and you get pretty close to the Nuremberg Laws of 1935.
Not at all. Nuremberg Laws placed a large number of state-enforced prohibitions on what Jews can do. These laws do not do such a thing - they enable private discrimination of homosexuals, but they don't enforce it by the power of the state.
but Christianity never could have started rolling in the first place without some sort of charismatic leader.
At least one popular theory is that said charismatic leader is Paul, and Jesus was just a figure that he appropriated for his purposes (elevating him to godhood status in the process).
I believe It's discrimination to not hire/or fire based on sexual orientation. I do not believe that it is discrimination to refuse to take the money and provide services to someone who wants to you to make a cake for their same-sex wedding.
Both cases are exactly the same - you refuse to conduct a trade with someone on account of some trait X that they possess. It's just that in one case you're paying them money in exchange for their labor, and in the other case they're paying you money in exchange for your labor.
You could argue that people should have the right to discriminate (freedom of association etc). But if you do, then you have to do it consistently.
Poor people crack me up. You really waited?
Why the fuck do people put up with that shit? Even in Commieland they eventually said "enough, no more queuing up for nothing!"
The clearest way into the Universe is through a forest wilderness. -- John Muir


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The Herald-Dispatch Marshall University RSS 2015-04-01T18:56:31-04:00 urn:uuid:15455b72-0605-4bdc-9bea-fe352865e231 Original content available for non-commercial use under a Creative Commons license (Attribution-NonCommercial-NoDerivs 3.0 Unported), except where noted. Students get first-hand look at pharmacy school The Herald-Dispatch http://www.herald-dispatch.com/2015+0329_0329_pharmpreview 2015-03-29T00:01:01-04:00
The Herald-Dispatch

HUNTINGTON - Kendra Lee, a junior at Ohio University, was among about 100 people getting a first-hand look at Marshall University's School of Pharmacy on Saturday.

 Marshall University Dean's List foe Fall 2014 semester The Herald-Dispatch http://www.herald-dispatch.com/2015+0329_0329_MUdean_WV 2015-03-29T00:01:01-04:00
 Following is a portion of the Marshall University dean's list for the Fall 2014 semester. The students listed below have reported a town other than Huntington as their West Virginia hometown and are listed by county, then hometown.

 Marshall University dean's list for fall 2014 semester The Herald-Dispatch http://www.herald-dispatch.com/2015+0322_0322_MUdean_HTN 2015-03-22T00:01:01-04:00
Following is a portion of the Marshall University dean's list for the Fall 2014 semester. The students listed below have reported Huntington as their hometown. A dean's list of students who have listed other hometowns in Cabell and surrounding counties will be published at a later date.

 Calendar OF EVENTS The Herald-Dispatch http://www.herald-dispatch.com/2015+0315_0315_HerdCal 2015-03-15T01:01:01-04:00
Monday, March 16, to Friday, March 20

Spring break

Tuesday, March 17

7:30 p.m., Brass Band of the Tri-State, Smith Music Hall

 Thundering Word speech and debate team takes its fifth state title The Herald-Dispatch http://www.herald-dispatch.com/2015+0315_0315_MUWord 2015-03-15T01:01:01-04:00
The Herald-Dispatch

HUNTINGTON - Victoria Ledford isn't predicting a national championship for Marshall University's Thundering Word speech and debate team, but she believes they can finish in the Final Four. And, who's going to argue with the best debater in West Virginia?

 Forensic Center 5K set for March 28 The Herald-Dispatch http://www.herald-dispatch.com/2015+0315_0315_MUForensic 2015-03-15T01:01:01-04:00
The Herald-Dispatch

HUNTINGTON - Forensic science students from Marshall University are sponsoring a 5K run Saturday, March 28, with a portion of the proceeds to benefit the Branches domestic violence center in Huntington. "FoRUNsics 5K" will take place at Ritter Park beginning at 8 a.m. Organizers say the top three placing males and females will all receive prizes and medals, and the race will conclude with a prize raffle.

 MU hosts athletic training, sports medicine conference The Herald-Dispatch http://www.herald-dispatch.com/2015+0315_0315_Athletic 2015-03-15T01:01:01-04:00
The Herald-Dispatch

HUNTINGTON - The Marshall University Department of Athletic Training hosted the West Virginia Athletic Trainers' Association Conference and Sports Medicine Symposium March 6-7 in Flatwoods, West Virginia.

 Mesha Poore is keynote speaker for Women of Color program at MU By PAUL SEBERT http://www.herald-dispatch.com/2015+0315_0315_herdwomen 2015-03-15T01:01:01-04:00
The event will begin at noon at the Don Morris Room in the Memorial Student Center. The event is sponsored b
 Local man arrested in Saturday shooting By DAVE LAVENDER http://www.herald-dispatch.com/2015+0309_0309_shootingarrest 2015-03-09T01:01:01-04:00
HUNTINGTON - The Huntington Police Department made an arrest Sunday morning in a shooting Saturday in the 1700 block of Artisan Avenue.

 Grad fair, lecture, documentary highlight this week's activities PAUL SEBERT http://www.herald-dispatch.com/2015+0308_0308_herdevents 2015-03-08T00:01:01-05:00
 HUNTINGTON - The Women's History Month Film Festival will kick off with a screening of "Hollow: An Interactive Documentary."


text:
New Yisrael Beytenu MK submits legislation mandating death penalty for terrorists
Kassams, selfies and Machloufs in the Knesset inauguration
Rivlin urges Netanyahu to expedite forming coalition
Netanyahu on Iran deal: Israel not 'burying head,' will do what is needed to secure its future
Israel has second-lowest abortion rate in Europe, continues to drop
Passover health warning: Avoid dangerous infections from cleaning pond fish
US model adapted by the National Poison Control Center 'boosts saving of lives and money'
First-ever effort between hospital and taxi company to ensure newborns are taken home safely
Study: Israeli patents in US jump 21%
It's Passover cleanup time in Israel and e-waste recycling is on the rise
American-Israeli team secures US gov't grant to build Burundi's first solar field
Eco Wave Power to establish its first Chinese power station
Art Garfunkel to perform at Bloomfield Stadium
Entranced by Infected Mushroom
Damian Marley to serenade Rishon
Cinematic reality
Sinai Says: Another bizarre decision by BSL in changing playoff format again
Israel frustrated by Belgium at Teddy
Enormous Belgium showdown for Israel
Mac TA pulls out close one over Holon as Shelef remembered
Shin Bet arrests IDF soldier alleged to have passed classified info to far-right settlers
Rabbis issue ruling banning police, IDF from involvement in yeshiva seizure
Haredi rebel newspaper holds stable market share
Khaled Mashaal says Israeli election results will boost extremism
'Palestine' to become ICC member today
Analysis: Can the ICC go after settlements as war crimes?
IDF destroys 4 structures in W. Bank settler outpost erected to honor 3 slain teens
Palestinians ask FIFA to suspend Israel from competition
Jewish charities strive to prepare for Passover amid war-torn Ukraine
Mother of slain Toulouse soldier leading trip to Israel
Official report: Dutch royal family owns stolen Nazi painting
Anne Frank may have died earlier than previously believed, new research shows
'Biden told US Jews that Israel - not America - guaranteed their security'
Iran, Russia express optimism as nuclear talks extended
Turkish prosecutor dies of wounds after Istanbul hostage shootout
UN report: Syria, Iraq a 'finishing school' for foreign fighters
US Congress will not accept a paper tiger
Powers blow past deadline with Iran in nuclear negotiations
Editorial: Passover wage hike
The making of a great leader
Ukraine-Israel: Way to freedom through prosperity
Letters to the editor
In my own write: Zeal for a deal
The blood libel Haggada
The turning point
Travel tech start-ups
On wings of carbon
Veterans: On target
Fusing modern and traditional in the kitchen
Book Review: Perceptive Haggada
Hot off the Arab press
Let's cooperate
Shabbat screenings
Passover perspective
On the field and in court
Happily Eva After: Times, they are a-interestin'
Music and the mamaloshen
What's the catch?
Kayaking for gold on the Kinneret
Why Tunisia?
Palestine – words matter but their meaning matters more
A nuclear deal with Iran – would it stick?
When words matter and when they don't
'מְלָגוֹת 'צוּק אֵיתָן
עוֹלִים חֲדָשִים
כּוּלָם רוֹצִים לִחְיוֹת
יִשְׂרָאֵל בְּמַבָּט פָּנוֹרָמִי
Getting a young start
A culinary festival starring the women next door
Global girl power
Apartheid South Africa: Israel edition
Sa'ar says national unity government is 'still on the table'
Israeli parties prepare legislative demands for Netanyahu's new coalition
With full term possible, Netanyahu may outlast Ben-Gurion (and Obama)
Arab sector turnout for recent elections reached 63.5%, polling data shows
Joubran: Polls have to include parties that don't pass threshold
'The Resistance' against Pope Francis
Israeli doctors save life of Iraqi Christian toddler who fled ISIS
Christian Friends of Magen David Adom donate ambulance in Jerusalem
Christians celebrate Palm Sunday in the Holy Land
Pope Francis pays tribute to Christians persecuted by ISIS during Palm Sunday mass
Green Leadership Conference in Hamalachim-Shahariya Forest
Scenic Lookout in Memory of Lt-Gen. Amnon Lipkin Shahak
Following in the Footsteps of Meir Har-Zion
Celebrating the 100th Birthday Anniversary of Sculptor Ahiam Shoshany
French Students Get to Know the Real Israel
Serbian PM Plants a Tree in the Grove of Nations
Sharing and Learning - German Forestry Students Intern with KKL-JNF
Israel and Finland Connect through the Environment
New Bio-filters Purify Surface Runoff Water for Reuse
Future Tour Guides Discover the Negev with KKL-JNF
The Shamir Drilling Project
Graduation Ceremony for Rosh HaAyin's Volunteer Firefighters
From Sunny Israel to Cold Canada
Walking for Water with KKL France in the Mountains of Eilat
JNF Ontario Community Mission Tours the Western Negev
Celebrating 50 Years of German-Israeli Diplomatic Relations
The Negev Conference on Agricultural Research and Development
Arava Open Day: Food Security for Israel and the Entire World
Living Green in Israel: the Contest and the Winners
Addressing Climate Change Conference
From Think Tank to Environmental Consultant
Award Winning Designer Launches Career as Wedding Dressmaker
Outdoor Fitness Israel: An Innovative Fitness Program Developed By UK Olim
The Burstein Brothers: 3 Oleh Siblings in the IDF
5 Tips to Land a Job in Israel
Starting Your Own Business in Israel: Real Life Examples
5 Strategies for Finding Your Professional Place in Israel
PetBNB:An Olah's Unusual Canine Startup
36 Hours in Southern Israel
Food Shopping In Israel
How Women Can Have it All in Israel
The Eisenberg's Long Journey Home
Why Retirees are Thriving in Israel
Thanks to Aliyah video
6 Frequently Asked Questions about Israeli Healthcare
Starting Over in Israel
VIDEO: Are you ready for the South?
Sovev Tel Aviv, Israel's Largest Biking Event
Running Through Color
Formula 1 Racecars Zip Through Jerusalem
Make yourself at home… in Israel
NBN Announces Bonei Zion Prize Recipients for 2015
NefeshB'Nefesh Provides Services to Bnot Sherut
How Doctors Are Impacting Israel's South
Over 1,000 IDF 'lone soldiers' attend personal errand day in Tel Aviv
04.01.2015 | 12 Nisan, 5775
Jerusalem Report
07/27/2010 16:22
Fayyadism311 (do not publish again).
(photo credit:Avi Katz)
AMIDST ALL OF THE USUAL GLOOM AND DOOM that emanates from discussions of the
contemporary Middle East, one development has generated a great deal of ink and
hope among proponents of an equitable and viable Palestinian-Israeli peace
settlement: "Fayyadism", the efforts by Palestinian Authority Prime Minister
Salam Fayyad to build the administrative, economic and infrastructural base for
a future Palestinian state, with the declared goal (in 2009) of establishing a
de facto state apparatus within two years, and then gaining international
recognition from the UN Security Council.A recent article in Foreign
Policy magazine by the Palestinian- American Hussein Ibish lauds what he calls
the paradigm shift that has taken place among West Bank Palestinians, who "are
increasingly turning to the mundane, workaday tools of governance and
development as their principal strategy for ending the occupation." This has
also been the theme of numerous visiting Western journalists.The
optimism generated by Fayyadism, although not totally misplaced, is excessive.
It comes from a widespread recognition that the failure of the Palestinian
state-building project during 1994-2000 was central to the collapse of the Oslo
process. Admittedly, Yasser Arafat and his Fatah movement had been dealt a weak
and difficult hand, but they were nonetheless the primary culprits. Arafat
established a neo-patrimonial and corrupt regime, without achieving the
necessary monopoly on the means of coercion. Fatah never sufficiently
transformed itself from a liberation organization to a proper political party
ready to play the leading role in a state-on-the-way.The contrast
between a corrupt, power-hungry, undisciplined and sclerotic Fatah movement and
an uncorrupt Hamas, whose ability to deliver social, educational and welfare
services as well as confront Israel won it enormous legitimacy among the
populace, was striking.Palestinian society has always suffered from a
high level of factionalism and localism, which probably underlay many of the
problems in building institutions.
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Chiefs, Silvertips getting physical as Game 3 looms
The Spokesman Review
The Spokane Chiefs and Everett Silvertips piled up infractions and penalty minutes at an astonishing rate through the first two games at Everett's Xfinity Arena. The Western Hockey League best-of-7 postseason series, matching the second-seeded Silvertips ...
and more »
The Record hockey briefs
The Record (New Westminster)
Adam Helewka scored two times, including the game winner, to help the Spokane Chiefs defeat the Everett Silvertips 6-2 in opening round Western Hockey League playoffs. The third-year Chiefs left winger scored back-to-back goals less than two minutes ...
and more »
Burnaby NOW hockey briefs
Burnaby Now
Adam Helewka scored two times, including the game winner, to help the Spokane Chiefs defeat the Everett Silvertips 6-2 in opening round Western Hockey League playoffs. The third-year Chiefs left winger scored back-to-back goals less than two minutes ...
and more »
First Period Deficit Topples Tips in Game 2
EVERETT - The Spokane Chiefs scored four goals in a six-minute span of the first period to build a lead they would not relinquish as the Everett Silvertips suffered a 6-2 loss in Game 2 of their first-round playoff series Saturday night at XFINITY Arena.
and more »
Chiefs steal away Silvertips' home-ice edge
The Spokesman Review (blog)
The other pattern to develop through two games is the abundance of penalties. Spokane has been assessed 33 infractions for 115 minutes in the series. Everett is right behind at 30 for 101. Spokane is 3 for 13 on power plays while the Silvertips are 3 for 15.
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Carlsbad By The Sea Resort, Carlsbad
Bargains and beaches
This hotel is right across the street from Carlsbad Premium Outlet Mall, where you'll find more than 90 stores, including Barney's New York and Calvin Klein. The coastal bluffs of South Carlsbad State Beach are only about a mile away, and SeaWorld is a half-hour by car.
Kids in toyland
Legoland® is a big draw for kids of all ages, being only a mile away and accessible by shuttle, and The Crossing Golf Course is equally close. Downtown Carlsbad is a 3-mile jaunt, while major attractions like San Diego Zoo and Del Mar Fairgrounds are within 30 miles.
Free breakfast buffet
There's a large outdoor pool and a fitness center to keep you active, as well as a free breakfast buffet to jump-start your day. Room service comes from TGI Fridays', or you can head next door to King's Fish House, Ruby's Diner, or 1 of the many restaurants at the outlet mall.
LCD TVs, free WiFi
Spacious guestrooms feature free WiFi and LCD TVs with premium cable and pay-per-view channels. The mini-fridge and microwave are perfect for saving leftovers (and money), and there's a coffeemaker to ensure you won't have to stand in line for your morning caffeine fix.
Good value for the price. The shuttle service to Legoland was great along with the…
Enter dates to check prices
Hotel Info: 866-539-8117from $127
- Standard Room, 1 King Bed, Non Smoking, Pool View
- Standard Room, 2 Queen Beds, Non Smoking
- Standard Room, 1 King Bed
- Standard Room, 2 Queen Beds, Non Smoking, Pool View
Recommended hotels
At a glance
Key facts
Hotel size
- This hotel has 150 rooms
- This hotel is arranged over 2 floors
- Check-in time starts at 4 PM
- Check-out time is 11 AM
- Express check-in
Required at check in
- Credit card or cash deposit required
- Government-issued photo ID required
- Minimum check-in age is 18
- Minimum Spring Break check-in age is 21
Travelling with others
- Children (16 years old and younger) stay free when occupying the parent or guardian's room, using existing bedding
- Pets allowed (dogs only)
- Specific rooms only, restrictions apply *
- 1 per room (up to 35 lb)
- Free WiFi and wired Internet access in public areas
- Free WiFi and wired Internet access in rooms
- Free train station pickup
- Free self parking
- Accessible parking
- Free area shuttle within 5 mi
- Free beach shuttle
- Free theme park shuttle
Nearby Three Star Carlsbad hotels
In the hotel
- Free hot/cold buffet breakfast daily
- Restaurant
- Bar/lounge
- Room service
- Free beach shuttle
- Beach towels
- Outdoor pool
- Fitness facilities
- Spa tub
- Golf lessons available nearby
- Golfing nearby
- Kayaking nearby
- Business center
- Number of meeting rooms - 2
- Conference space
- Meeting rooms
- Conference space size (feet) - 5000
- Conference space size (meters) - 465
- Conference center
- 24-hour front desk
- Tours/ticket assistance
- Dry cleaning/laundry service
- Laundry facilities
- Free newspapers in lobby
- Wedding services
- Elevator/lift
- ATM/banking
- Safe-deposit box at front desk
- Garden
- Disabled parking
- Accessible path of travel
- Braille or raised signage
- Accessibility equipment for the deaf
- Accessible bathroom
- In-room accessibility
- Roll-in shower
In the room
- Coffee/tea maker
- Iron/ironing board
- Premium bedding
- Pillowtop mattress
- Balcony or patio
- Private bathroom
- 36-inch LCD TV
- Pay movies
- Premium TV channels
- Free WiFi
- Refrigerator
- Microwave
- Daily housekeeping
Top Carlsbad hotels
Recently reviewed hotels in Carlsbad
- Comfort Suites MarinaFrom
"No complaints! Helpful staff along with a clean and comfortable room is all one could ask for."Mar 8, 2015
- Bahia Resort HotelFrom
- La Jolla Cove SuitesFrom
"Great Location and ocean view. Good access to neighborhood dining and shopping. Great park and walk along the beach across the street."Mar 8, 2015
- Courtyard by Marriott San Diego CentralFrom
Nearby hotels
Special features
DiningTGI Fridays - This restaurant specializes in American cuisine and serves light fare only. Guests can enjoy drinks at the bar. A children's menu is available. Happy hour is offered.
Carlsbad By The Sea Resort, Carlsbad's small print
Also known as
- Carlsbad By The Sea Hotel
- Carlsbad Holiday Inn
- Carlsbad By The Sea Hotelanlage
- Holiday Inn Carlsbad
- Holiday Inn Carlsbad by the Sea
- Carlsbad By The Sea Resort
- Carlsbad By The Sea Resort San Diego
Pet-friendly rooms can be requested by contacting the property at the number on the booking confirmation.
Only registered guests are allowed in the guestrooms.
Some facilities may have restricted access. Guests can contact the property for details using the contact information on the booking confirmation.
This property does not have elevators.
The name on the credit card used at check-in to pay for incidentals must be the primary name on the guestroom reservation.
Mandatory fees
You'll be asked to pay the following charges at check in or check out:
Pet deposit: USD 75 per stay
- Resort fee: USD 5 per accommodation, per night
Resort fee inclusions:
- Breakfast
- Pool access
- Fitness center access
- Shuttle service
- Business center/computer access
- Internet access (may be limited)
- Newspaper
- Phone calls (may be limited)
Inclusions may be listed elsewhere on the page as free or for a surcharge.
We have included all charges provided to us by this hotel. However, charges can vary, for example, based on length of stay or the room you book.


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Cam isn't NEXT, he's NOW
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jamestownbball Jan 2, 2012
Totally agree. Dude is a top 10 QB already.
jamestownbball Jan 2, 2012
NCAA Tournament Sweet 16
Duke vs Utah
The Jon Stashower Show
NCAA: Duke v. Utah
Tonight at 9:40 on WRAL-TV
NCAA: Division II Championship: Indiana (Pa.) vs. Florida Southern
Tomorrow at 3:00 pm on WRAL-TV
NCAAT: Teams TBD
Sunday at 2:00 pm on WRAL-TV
NCAAT: Oklahoma vs. Michigan St.
Tonight at 9:30 on 99.9 The Fan
NCAAT: Duke vs. Utah
Tonight at 9:30 on Buzz Sports Radio
Our Take
Wolfpack and Cardinals meet in ACC footprintJeff Gravley
Seniors key to Triangle college baseball teamsJohn Manuel
frankgarcia65: State doing a good job of getting back after Cat Barbers misses
— Fri 8:53 p.m.
— Fri 8:53 p.m.
frankgarcia65: RT @j32degrees: @frankgarcia65 @macwfnz just wanted to say I enjoy you guys on radio. Depending on next twenty minutes, I may give up spor…
— Fri 8:48 p.m.
— Fri 8:48 p.m.
frankgarcia65: RT @GboroMatt: @frankgarcia65 just like coach drew it up. Get rebound while lying on your back and pass out for 3! Great call Coach
— Fri 8:41 p.m.
— Fri 8:41 p.m.
frankgarcia65: Last 2 min was fun
— Fri 8:25 p.m.
— Fri 8:25 p.m.
frankgarcia65: Cats got to make that if State want to win this game
— Fri 8:24 p.m.
— Fri 8:24 p.m.
frankgarcia65: RT @ColinWFNZ: @frankgarcia65 Too soon.
— Fri 8:13 p.m.
— Fri 8:13 p.m.
frankgarcia65: NC fans are screaming at their tvs right now like Roy is coaching. That's how you use your timeouts to stop a run!!! Dag gum it
— Fri 8:11 p.m.
— Fri 8:11 p.m.
frankgarcia65: There you go Washington nice adjustment by Godfried
— Fri 8:09 p.m.
— Fri 8:09 p.m.
frankgarcia65: The problem with Lacey hitting first three shots is he now thinks he's Kobe Bryant and need to shoot every time he touches it @ColinWFNZ
— Fri 8:00 p.m.
— Fri 8:00 p.m.
frankgarcia65: RT @ColinWFNZ: @frankgarcia65 Haha, most Big 12 teams are out by the Sweet 16, so it's less of a concern...
— Fri 7:54 p.m.
— Fri 7:54 p.m.
frankgarcia65: RT @ColinWFNZ: I really hate State and Louisville are playing in the Sweet 16. Only possible due to conference expansion.
— Fri 7:50 p.m.
— Fri 7:50 p.m.
frankgarcia65: Hate these big arena games.
— Fri 7:49 p.m.
— Fri 7:49 p.m.
randywattson: RT @HiIarlous: When u realize summer is in 2 months http://t.co/4jgvmc5duV
— Fri 7:32 p.m.
— Fri 7:32 p.m.
SteveReedAP: Panthers claim OT Martin off waivers; sign Boykin http://t.co/mIP7u6oM1I
— Fri 6:28 p.m.
— Fri 6:28 p.m.
gregolsen88: RT @philorbanWSOC9: Panthers TE @gregolsen88 working out for a good cause tomorrow. http://t.co/mixedtzXi6
— Fri 6:22 p.m.
— Fri 6:22 p.m.
frankgarcia65: RT @GarnerSimpson: @rooneydr @frankgarcia65 @MPiRor @daringantt in martins full season in miami, he was 63rd out of 69 tackles in the whole…
— Fri 6:07 p.m.
— Fri 6:07 p.m.
Jonathanstewar1: Words to live by! If u don't believe in yourself! Who will? #words #actions #Malibu @textstr_ https://t.co/5D3JA9AS4i
— Fri 6:02 p.m.
— Fri 6:02 p.m.
Panthers: A look back at the #Panthers 2001 draft: http://t.co/fm6R4CsWcD http://t.co/dZlS2T65Lq
— Fri 6:00 p.m.
— Fri 6:00 p.m.
frankgarcia65: RT @WFNZGolfGuy: @Stoutman01 @frankgarcia65 two words: all in! This looks like a badass
— Fri 5:58 p.m.
— Fri 5:58 p.m.
frankgarcia65: RT @GarnerSimpson: @rooneydr @frankgarcia65 @MPiRor @daringantt i hear jake long is still out there
— Fri 5:57 p.m.
— Fri 5:57 p.m.


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Multi-Channel Designer – Part Time (3 days per week) Leatherhead £18,000 - £21,000 + benefits (inc 25 days holiday, Performance Related Pay and pension) ... Read more
This is an exciting role for a creative, responsible person with great communication skills to make a big impact and market a fantastic charity. Working in a beautiful semi-rural l... Read more
Herts Help Guidance in the Home project is an exciting new service for older people funded by Hertfordshire County Council for an initial period of two years. Aligned to the County... Read more
Fixed term contract up to 12 months - 37.5 hours per week Rennie Grove Hospice Care is a local charity giving patients with life-limiting illnesses the choice to stay at home... Read more
NCS Sales Coordinator Start d... Read more


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- Two orphaned koalas found near the site of a huge koala cull at Cape Otway in south-west Victoria will be fed a wide variety of gum leaves to increase their chance of survival. At the same time, researchers have begun exploring whether changing the diet of adult koalas can help resolve starvation ...Friday 13 March 2015
- A whale calf birth very late in the Victorian whale season has left experts stunned and locals thrilled....Monday 15 September 2014
- A national whale research program is using citizen science to find out more about the migration of whales along Australia's east coast....Friday 1 August 2014
- Warrnambool Police discovered a young koala sitting on a blue blanket at Tower Hill in the early hours of Saturday morning....Wednesday 30 July 2014
- Here in South West Victoria we have plenty of bats, but unless you make the effort to look for them you'll probably never notice them....Monday 3 March 2014
Explore by Topic
Latest Animals stories on ABC South West Vic
Latest Animals stories on ABC Online
- A Wangaratta florist has used a bouquet of flowers to fend-off a swarm of angry European wasps as they followed her into her delivery van....Tuesday 31 March 2015
- Geckos may have the ability to stick to walls, but it seems that not much sticks to them....Monday 30 March 2015
- Townsville residents put on their gloves and got out their nets at the weekend to help the fight against cane toads. The annual Toad Day Out attracted 200 participants who brought in 143.6 kilograms worth of toads....Monday 30 March 2015
- Shady coastal creeks starting to produce on the spring tides, with amazing reports of meteries. Daly rising with the recent rain but may be falling just in time for Easter. Great opportunity for blue water neap tide fish this weekend....Saturday 28 March 2015
- The scientist who served up the world's first laboratory grown beef burger believes 'cultured meat' could spell the end of traditional cattle farming within just a few decades. That's not the news Australia's multi-billion dollar beef industry wants to hear - but it's the message that Dutch ...Friday 27 March 2015


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Euro Disney improves but doubts remain
Wednesday 25 January 1995
Euro Disney's share price, which has been weak recently mainly because of selling ahead of the stock's removal from France's leading CAC-40 index, rose 5p to 124p on news that losses for the three months to December had dropped 80 per cent to Fr109m (£13m).
The company did not detail how much of the reduction stemmed from last summer's Fr13bn financial restructuring, put together by French and international banks as well as by Walt Disney, the parent company. It also did not disclose attendance levels, precise figures on how much people spent at Disneyland Paris hotels, or how much merchandise or food they bought at the park.
Operating revenues showed a rise from Fr828m to Fr854m. Attendance at the park and occupancy levels in the hotels improved, but were largely offset by reduced spending by guests due mainly to lower hotel prices implemented in January 1994, the company said.
Phillippe Bourguignon, chairman, of Euro Disney, said: "Although we still have a lot of work to do, we are very encouraged by these results."
Nigel Reed, leisure analyst at Paribas, attributed much of the loss reduction to the interest waiver currently enjoyed by Euro Disney. He was unable to determine how much of this year's Fr600m cut in interest payments fell in the first quarter.
Assuming a pro rata cut in interest payments of Fr150m, the company appeared to be making "a move in the right direction", he said.
Euro Disney had reduced costs and increased sales by about 3 per cent in the first quarter, and was expecting to see an overall sales increase this year of around 14.5 per cent, Mr Reed added.
Analysts also expect Euro Disney to move into profit in the second half of 1994/95, which should see a cut in total operating losses to Fr87m.
Mr Reed said that a further restructuring might be needed, and that the opening of a large Spanish park in April this year could harm future results.
- 1 Katie Hopkins attacked me on Twitter — so I reported her to the police for inciting racial hatred
- 2 I might be an MP, but that doesn't stop me fighting sexism with my breasts
- 3 Martha Stewart accuses Snoop Dogg of 'smoking for four hours' during Justin Bieber Roast
- 4 Google April Fools': company unveils backwards search engine and huggable digital assistant
- 5 April Fools' Day 2015: The best hoax news stories from around the internet
Martha Stewart accuses Snoop Dogg of 'smoking for four hours' during Justin Bieber Roast
April Fools' Day 2015: The best hoax news stories from around the internet
April Fools' Day 2015 live: The best pranks and fake stories from around the world
University of Cambridge: Remains of 1,300 scholars are found under building
Turkey power cut: Prime Minister says nationwide blackout could be caused by terrorists
Ukip supporters are 55 or older, white and socially conservative, finds British Social Attitudes Report
Street preacher quoting from the Bible fined for calling homosexuality an 'abomination'
Woman filmed launching racist tirade against men on the Tube for speaking in 'own lingo'
Katie Hopkins attacked me on Twitter — so I reported her to the police for inciting racial hatred
The West has it totally wrong on Lee Kuan Yew
David Cameron calls Labour 'hopeless, sneering socialists' while announcing 7-day NHS plans
Discover the Bajan Rhythm
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How researchers are set to leave their marks on solving crime
The technology, which is now being trialled by West Yorkshire Police, could lead to the biggest change in forensic fingerprinting in its 100-year history.
Taking steps to tackle the housing crisis
Whatever the result of the forthcoming General Election, tackling Britain's housing crisis should be at the top of a new government's to-do list.
Making informed decisions when borrowing money
Borrowing money is not a decision which should be taken lightly. Read this guide to help get the right information.
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NASSAU, Bahamas— When the Tom Joyner Fantastic Voyage touched down at Paradise Island, most first-timers were awestruck by its natural and manmade beauty. Undoubtedly one of the prettiest and most spectacular island cities in the Western Hemisphere. The Bahamas is a rich culture featuring Arawak Indians, Spanish invaders, pirates, British Colonialists and West Africans. It's hard to believe that this small country in the Caribbean Sea has, over the centuries, has sheltered ship wreckers, pirates, freed slaves, blockade runners, rum smugglers and runaway lovers.
Tom Joyner Cruise 2012: The Best Hotels in Nassau, Bahamas
by Terry Shropshire
A teenager was shot numerous times outside a corner store in Philadelphia. According to 6ABC.com The shooting occurred around 11:00 a.m. Thursday
New apps. Social media. Cyberterrorism. Cloud hackers. Email hackers. Billion-dollar dot-com IPOs. These are the topics that we all read about
Moziah Bridges, 13, has created a booming business selling bow ties. In 2013, the then-12-year-old founder and CEO of Mo's
Morris Brown College filed for bankruptcy in August 2012 with roughly $30 million in debt, more than half was owed
If you haven't already heard, Atlanta-based rapper 2 Chainz is participating in an epic way at Friday's Atlanta Hawks game
Fans of "Basketball Wives LA" will never forget Sundy Carter getting a black eye while fighting Draya Michele last year.
Claudia Jordan's rise as a "Real Housewives of Atlanta" star has been meteoric as she's gone from initially being hired
Earlier this week, reports claimed that Ray J was leaving "Love & Hip Hop Hollywood" because he felt the show's
Tamar Braxton shocked the world earlier this week when she broke down in tears over K. Michelle's comments that she
One major theme that resonates throughout the art of Minnie Watkins is her striking use of black-and-white images. The bold
Back in 1998, Lauryn Hill's debut solo offering, The Miseducation of Lauryn Hill, earned her the honor of being the
Curren$y recently kicked of his "Pilot Talk 3″ tour at the Masquerade in Atlanta. The New Orleans-bred rapper was joined on


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Search Results
This site, created by Boston University's Center for Polymer Studies, provides the description and instructions for, as well as the link to, the "Diffusion Limited Aggregation: Growing Fractal Structures" applet. This...
This applet, created by Kevin O'Bryant of the University of California - San Diego, illustrates the code breaking process entitled "Rectangular Transposition Encryption System." This interactive resource is fun, but...
This applet allows you to experience the fate of a gambler by simulating the whole gambling session in a matter of seconds. The applet plots the successive rises and falls of the capital during the whole duration of...
This applet is a probabilistic study of picking prizes from an unlimited supply of cereal boxes. The applet helps to answer how many boxes of cereal need to be purchased to have a 50/50 chance of getting all the...
This site, created by Michelle Lacey of Yale University, gives a definition and an example of categorical data. Topics include two-way tables, bar graphs, and segmented bar graphs. The author provides a nice...
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Online Database by Caspio
Click here to load this Caspio Online Database.
Oregon farmers agree slugs are a problem—but what to do?
SALEM, Ore. (AP) — Farmers in Oregon's Willamette Valley hate slugs, slimy mollusks that munch their way through crops. Full Story
(Julio Cortez/AP)
Gun owned by agent who toppled Capone headed to Vegas museum
MOUNTAINSIDE, N.J. (AP) — The gun is a triumph of American craftsmanship from the early 20th century, its sleek barrel familiar to anyone raised on the movies of Bogart and Cagney, "Scarface" and "Little Caesar. Full Story
(Photo by Rick Diamond/Getty Images)
Are Taylor Swift and Calvin Harris a thing?
Pair seen at Kenny Chesney show projecting some serious public affection.


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The Aladdin's Car Loon Crash adventure at dusk
The Aladdin's Car Loon Crash queue is like a journey inside Loontown. The adventure cars are supposed to look like Benny the Cig, and while you drive you can crash them by hugging the wheel.
Don't click Zombie Mode
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A Pants Aflame production


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BERLIN (AP) — Chancellor Angela Merkel's Cabinet approved a minimum wage deal for stonemasons Wednesday at its last meeting before Germany's election, underlining her coalition's rejection of a single national standard as it faces a tight re-election battle.
Germany is unusual among Western countries in lacking a national minimum wage.
Center-left challenger Peer Steinbrueck of the Social Democrats advocates a mandatory national minimum wage of 8.50 euros ($11.35) per hour.
But Merkel's center-right coalition of conservatives and pro-market Free Democrats prefers to let employers and employees decide on minimum pay on a sector-by-sector, region-by-region basis. The government then endorses those deals, making them legally applicable to all workers in a sector.
Wednesday's decision brings the total to seven wage deals since the 2009 election and 12 in total, adding to agreements for cleaners, construction workers and others. The deal for stonemasons foresees minimum pay of at least 10.13 euros ($13.53).
Having politicians set minimum wages is "absolutely wrong — it can't work out well," Labor Minister Ursula von der Leyen, a member of Merkel's Christian Democrats, told ZDF television. "We say that the people who are experts — unions and employers — should do it."
Steinbrueck's campaign spokesman for labor issues, Klaus Wiesehuegel, accused the government of delaying a decision on approving the latest deal only to clear it days before the election.
Continue reading this story on the...


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"One girl can be silenced, but a nation of girls telling their stories becomes free" slideshow
A photo contest winner
Topics: Race, 2008 Elections, Democratic Party, Barack Obama, John McCain, R-Ariz., Politics News
Just by being who he is, Barack Obama has made history twice. He is the first black major party nominee for president, but he is also the first mixed-race nominee. Many of the largely unspoken questions that have hovered over his candidacy concern this double identity. In the early stages of his candidacy, there was much discussion about whether Obama was "black enough" to earn the allegiance of African-Americans. The overwhelming support he has drawn from blacks has put one side of that question to rest. But the other side remains unanswered: Is he "too black" to attract working-class whites? In critical states like Ohio and Pennsylvania, Hillary Clinton clobbered him with this important demographic. Analysts differ as to the role racism played here. But if Obama is rejected by large numbers of less-educated, lower-income whites, he could lose to McCain in the general election.
I tend to agree with those, like the New York Times' Paul Krugman,who believe that race is no longer the winning political card it has been for the GOP since Nixon's "Southern strategy" and Reagan's racially coded attacks on "government do-gooders." There are clearly significant numbers of voters for whom Obama's race will tip the scales against him, but probably not enough to overcome McCain's huge handicaps this year.
It is tempting to regard Obama's success as clear evidence that American racism has faded away. Yet the truth is more complicated. Because Obama's own identity is so unusual, it's difficult to know exactly what his triumph tells us about America's racial attitudes. Of course it indicates that crude racism has declined enormously (although I'm honestly not sure whether Obama could have been nominated if both his parents were black). But Obama is not an ordinary black man. And what his success really reveals is something more complex and equivocal: that whites are comfortable with black people, but much more uneasy about certain aspects of black culture, those associated with the so-called black underclass. Being black is OK; acting black, in certain ways, isn't.
In fact, this is an attitude shared by many blacks. A 2007 Pew Poll showed that 37 percent of blacks no longer regard black people as constituting a single race, and that 70 percent of college-educated blacks said that the "values gap" between middle-class and poor blacks had widened over the past 10 years. These remarkable findings clearly reflect a growing rejection by middle-class blacks of the crime and other pathologies so often associated, rightly or wrongly, with the black underclass.
The distinction between race and culture is uncomfortable, because it's so complicated. Talking about "black cultural pathologies" sounds racist — and it can be. Black culture is not monolithic. But out of fear, uncertainty and ignorance, whites and blacks often relate to each other as if it is — which is precisely why Obama's success could translate into genuine racial progress. The first step toward real knowledge across racial lines is to put down the cultural masks, the perceived notions of what it means to be black or white. Obama's candidacy is seen as a feel-good Kumbaya fest that makes us all feel better, but my real hope is that it will throw us all, black, white and other, into the racial soup, forcing us to take a much deeper look at each other.
Mixed-race people, particularly those of black and white ancestry, have long been forced to navigate this complicated terrain. Their experiences show just how inadequate our traditional ways of talking about race are. As their numbers grow and their perspectives become more familiar, they will inevitably erode the cornerstone of America's racial pathologies, the one-drop rule — the idea, deeply rooted in white racism, that any amount of black blood defines you as black. And no one will do more to undercut that racist rule than Obama.
At first glance, Obama's own racial self-definition seems to affirm this legacy of racial essentialism, not deny it. Genetically, Obama is just as white as he is black, but he defines himself as a black man of mixed race, not as someone of mixed race who is neither black nor white. Like many — probably most –Americans of mixed black and white ancestry, he doesn't identify himself as white at all.
Obama's critics on the left and right have slammed him for not fully embracing a post-racial, mixed-race identity. They attack what they see as his racial balancing act, emphasizing his blackness on Monday and his whiteness on Tuesday. But such criticisms overlook the unique stigma attached to being black in America, and its accompanying impact on how one defines oneself. The fact is, half-black people are still usually seen as black. It's much easier to reject all racial labels when you're half Asian and half white, like me, than it is when you're black and half white.
Obama has his own set of reasons for identifying as black, some of which he identifies in his superb autobiography, "Dreams From My Father." The often painful challenges he faced in forging his identity as the son of a Kenyan father and white American mother may seem exotic and unique, but in fact they are shared by many biracial Americans. Lise Funderburg's fascinating 1994 book "Black, White, Other: Biracial Americans Talk About Race and Identity," a collection of interviews with 46 biracial Americans, reveals that mixed-race Americans, who make up at least 3 percent of the population but probably much more, define themselves in a myriad of ways. Who your parents are, your relationship with them, how black or white you look, where you grew up, who you grew up with, your personality, all play a role.
Funderburg's book shows just how broad a spectrum of identity choices mixed-race people face. Toward the post-racial end are those who define themselves as mixed and reject the labels "black" or "white" or "Asian" (or insist that both must apply simultaneously). At the opposite, more traditional end are those like Obama who embrace their black identity. I can't deny that as a mixed-race person who fits into the first category, I'd love to see a politician who refuses traditional racial labels. But that day is coming. And I don't presume to judge Obama's, or anyone else's, choices.
For race is messy. There isn't a "normal" or "right" way to be biracial, any more than there is a "normal" way to be white or black — or Asian or Latino or Native American or any of the other labels that we more or less arbitrarily use to carve humanity up into separate groups.
One of the intriguing questions raised by Obama's meteoric political rise is whether he could have repeated it if he had run not as a black man but as someone of mixed race. It's impossible to answer, but there are reasons to think he wouldn't have succeeded. The default position in America is for someone of mixed black and white ancestry to self-identify as black: There's still a faint stigma of supposed racial self-hatred or "selling out" attached to those who refuse to do so, especially if they're politicians. Tiger Woods can get away with being "Cablinasian" because he's just a superstar golfer; he doesn't have to walk through the racial minefield as carefully as Obama does.
Of course, some of this has to do with the suspicious or hostile attitudes some blacks have toward part-black people who identify as biracial and not as black. In Funderburg's book, several of the subjects recount that they were attacked when they identified themselves as biracial: "What? Are you too good to identify with blacks?" But it also has to do with white attitudes. A mixed-race politician of black and white ancestry who did not identify as black would be attractive to many white voters but would confuse others and earn the enmity of still others (ironically, both on the far, racially essentialist left and the openly racist right) who would see him as "passing," as self-hating or just as weird.
But such attitudes are as doomed as the one-drop rule. Obama is the thin end of the post-racial wedge, the advance scout of an unclassifiable army of nontragic mulattos that is changing the way we think about race.
The fact that Obama is both black and biracial, paradoxical and confusing as it is, has already advanced America's ideas about race enormously. It's true that Obama is an anomaly, whom few can completely identify with — there aren't that many children of black Kenyan fathers and white Kansas mothers who grew up in Hawaii and Indonesia, edited the Harvard Law Review and became the Democratic presidential nominee after just one term in the U.S. Senate. But he's an inclusive anomaly, an anomaly that everyone, black, white and other, can identify with enough to use as a conduit to talk to people they normally wouldn't.
This ability to cross borders is shared by many people of mixed race. Several of the people interviewed in Funderburg's book make the point that their experiences allow them to understand people of different races. "Sometimes I wish I was one or the other, but being biracial has made me a stronger person and has given me my own special gold card because I understand black culture and white culture," Danielle Williams told Funderburg.
The fact that Obama is both black and white, combined with his powerful synthesizing temperament, gives him a moral and intellectual perspective on race matters that few national leaders can match. In his famous speech in Philadelphia, he already went beyond standard political bromides about race. As president, he will be able to use his bully pulpit to explore the intertwined issues of race, culture and class far more deeply than any American president ever has. If he does it right, it'll make us all uncomfortable — but ultimately bring us more together.
Gary Kamiya is a Salon contributing writer.More Gary Kamiya.
A photo contest winner
A photo contest winner
Superhero Project
"In life many people have two faces. You think you know someone, but they are not always what they seem. You can't always trust people. My hero would be someone who is trustworthy, honest and always has their heart in the right place." Ateya Grade 9 @ Mirman Hayati School (Herat, Afghanistan)
Superhero Project
"I pray every night before I go to bed for a hero or an angel capable of helping defenseless children and bringing them happiness. I reach up into the sky hoping to touch a spirit who can make my wish come true." Fatimah Grade 9 @ Majoba Hervey (Herat, Afghanistan)