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text:
Comment: Re:Little difference? (Score 1) 839
by cookie_token (#34233502) Attached to: Scientists Propose One-Way Trips To Mars
I don't think building a new society with convicted murderers and other criminals would be such a good idea..
We've improved Slashdot's video section; now you can view our video interviews, product close-ups and site visits with all the usual Slashdot options to comment, share, etc. No more walled garden! It's a work in progress -- we hope you'll check it out (Learn more about the recent updates).
Felson's Law: To steal ideas from one person is plagiarism; to steal from many is research.

subset: commoncrawl


text:
Home > All Cities > LUTZ, FL Real Estate Listings > CORDOBA RANCH Subdivision
Properties for sale in the CORDOBA RANCH Subdivision, LUTZ, FL
Properties 1 to 1 of 1
17802 DAISY FARM, LUTZ, FLList Price: $449,900 | Bed:3 | Bath:2.20
Brand new energy efficient home by Standard Pacific Homes. This wonderful one-story Hastings home is located on an oversized home site and features 3 bedrooms, 3 full bathrooms, one half bathroom, a study with wood flooring, and a 3-car tandem garage. The deluxe kitchen features a double wall oven, glass cooktop, and microwave. The master suite has large windows, his and hers walk-in-closets, dual vanities and a garden tub in the master bath. Located in the spectacular brand new community of Cordoba Estates. In proximity to USF, with great shopping nearby, and quick access to I-275 & I-75. Only 25 minutes to downtown Tampa. This home is under construction and a variety of options may still be selected. The final price and estimated completion date are subject to change at time of option selections. CORDOBA RANCH LOT 20 BLOCK 22
Listing Office: Standard Pacific of Tampa GP I | MLS ID#: T2583127


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But it doesn't have to be.
Continue Shopping.
Knorr, French Onion Recipe Mix, 1.4 oz (40 g)
By Knorr9 Reviews
Expiration Date:?Oct 2016
Expiration Date
The length of time for the expiration date or "best used before" date depends on the type of product, as well as the brand.
Perishable items (such as flax oils or certain probiotics) generally have shorter expiration dates. Although our warehouse is fully air-conditioned, these more fragile items are put in cold storage (freezer or refrigeration unit) for maximum freshness.
Our receiving department does its best to verify and then enter the correct expiration dates for all incoming products. However, discrepancies do occur from time to time. This being said, the exceptionally high turnover at iHerb ensures that our inventory is among the freshest in the industry.
Shipping Weight:?0.13 lbs (0.06 kg)
Shipping Weight
The Shipping Weight includes the product, protective packaging material and the actual shipping box. In addition, the Shipping Weight may be adjusted for the Dimensional Weight (e.g. length, width & height) of a package. It is important to note that certain types of products (e.g. glass containers, liquids, fragile, refrigerated or ice packed) will often require protective packaging material. As such, these products will reflect a higher Shipping Weight compared to the unprotected product.
- Product Code: KRR-22133
- UPC Code: 048001221338
- Package Quantity: 1.4 oz (40 g)
- Dimensions: 0.6 x 4.4 x 5 in, 0.1 lbs (0.05 kg)
This product is already in your Notification List.
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Total: $16.90
Combo Discount: -$3.00
Together: $13.90
Product Overview
- Let's Make Knorr!
Perfect for adding a rich and full-flavored caramelized onion background to your favorite meals.
Suggested Use
Soup Directions
Makes 3 cups
- Combine 3 cups water and Knorr French Onion recipe mix in a medium saucepan.
- Bring to a boil, stirring occasionally.
- Reduce heat to low and simmer 5 minutes.
Other Ingredients
Dehydrated onions, potato starch, maltodextrin, salt, beef fat, monosodium glutamate, sugar, yeast extract, hydrolyzed soy protein, hydrolyzed corn protein, onion powder, lactose (milk), hydrolyzed wheat protein, caramel color, natural flavors (contains sulfites), autolyzed yeast extract, spice, disodium guanylate, disodium inosinate.
Made in a facility that processes milk, egg, soy, wheat, sesame, and sulfites.
|Supplement Facts
|Serving Size: 2 Tbsp (13 g) (make 1 cup soup prepared)
|Servings Per Package: about 3
|Amount Per Serving
|%Daily Value*
|Calories from Fat
|Total Fat
|1 g
|Saturated Fat
|0 g
|Trans Fat
|0 g
|0 mg
|710 mg
|Total Carbohydrate
|8 g
|Dietary Fiber
|less than 1g
|less than 1 g
|Vitamin A
|Vitamin C
|*Percent Daily Values are based on a 2,000 calorie diet. Your daily values may be higher or lower depending on your calorie needs:
|Total Fat
|Less than
|65 g
|80 g
|Saturated Fat
|Less than
|20 g
|25 g
|Less than
|300 mg
|300 mg
|Less than
|2,400 mg
|2,400 mg
|Total Carbohydrate
|300 g
|375 g
|Dietary Fiber
|25 g
|30 g
iHerb Customer Reviews
great for crunchy potatoes and veggie dip
Always good to have on hand.


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Ms. Barbara J. Looser
- 85 McNaughten Rd Ste 320
Columbus, OH 43213
- 2 Locations
- (614) 754-5500
Ms. Looser works in Columbus, OH and 1 other location and specializes in Gastroenterology. Ms. Looser is affiliated with Dublin Methodist Hospital, Mount Carmel East Hospital, Mount Carmel West Hospital and Riverside Methodist Hospital. Ms. Looser speaks English and Spanish.
Gender: Not Available
Languages Spoken: English, Spanish
Medical School: Not Available
*This physician has multiple office locations. See Office Information for details.


text:
Office Hours: 8:30am - 5:00pm Monday through Friday
Blueprint Education's curriculum meets the high quality standards for sound educational programs of all the accreditation associations and commissions.
This accreditation covers Blueprint Education educational courses in all six North American accrediting regions as well as internationally.
Laboratory science courses meet university entrance requirements.
Blueprint Education is certified as a Distance Education Provider by the State of Arizona.
Blueprint Education does not discriminate on the basis of race, creed, gender, color, physical or mental disability, ethnic or national origin.
Blueprint Education Junior and Senior High School faculty are certified or licensed teachers by a State Department of Certification and are experienced in teaching junior and senior high school students.
Blueprint Education is accredited by AdvancED, the unified organization of the North Central Association Commission on Accreditation & School Improvement (NCA CASI) and the Southern Association of Colleges and Schools Council on Accreditation and School Improvement (SACS CASI)
Blueprint Education's AdvancED listing


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HAMILTON TOWNSHIP, New Jersey — State police have identified the two people killed when their vehicle collided with a car and caught fire on the Atlantic City Expressway.
The crash occurred around 1:30 p.m. Friday on a westbound stretch of the highway in Hamilton Township. Authorities say a vehicle driven by 35-year-old Sean McBride, of Egg Harbor Township, collided with a car that had stopped on the right shoulder.
McBride's vehicle caught fire, and he and 31-year-old Gabrielle Lynnes, of Upper Township, were briefly trapped inside. Both died a short time later at a hospital.
The driver of the other car, 38-year-old Scott Lerario of Linwood, was being treated at a hospital for undisclosed injuries. Authorities say he had stopped his car to check for a possible flat tire.


text:
Within City
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I guess so... The dude is filthy rich, he's famous and he gets all the girls
Am i odd ..!! <br />
I like his songs so much .....
ok... then .. :-/
It is. Always will be. Eff that guy.
Cool? No. Justified? Yes. He needs to die already. He is just that typical spoiled brat that needs a wake up call.
No. I said he needs to die. Then I also pointed out he is a brat that needs a wake up call. I mean jesus christ was it that hard to decipher?
No reason? He's a spoiled brat everybody loves it, the kardashians are brats everyone says they should die. I don't see the difference. If you have a problem with my response because you think it's for little reason then I should hear you tell that to people who say that about the kardashians.
Well his comments regarding Anne Frank stating if she were alive he hoped she would be a belieber was unnecessary. I know that doesn't justify murder but he is a piece of s.hit and I hope he dies soon.
Does it matter wether it is cool or not?
Related Questions
I remember when my grandma used to hate backstreet boys and nsync:)
I'm not a die hard fan or anything but I think it's stupid that people hate celebrities just because it is trendy.joxxxjo 22-25, F 21 Answers 9 Jun 16, 2012
avishkar 26-30, M 1 Answer 1 Jul 31, 2013 in Movies & TV
I got 31.eba434 36-40, M 3 Answers 2 Jul 18, 2011
will you stop anwsering this question pleaaaaaaaaase i said stoplittlesuzie 13-15, F 17 Answers 9 Oct 16, 2011
Would everyone believe the Bible if we said Justin Bieber wrote it? I mean, who doesn't like Justin Bieber?tenente 31-35, M 13 Answers 3 Oct 16, 2012 in Jokes & Riddles
Austin Mahone is way better then Justin Bieber!!!! WHAT DO YOU THINK? Justin bieber or Austin Mahone?http://www.youtube.com/watch?v=2PEG82Udb90 http://youtu.be/2PEG82Udb90 i think he is a better singer and better dancer!!!!AppleCherry2013 22-25, F 4 Answers 2 Jul 10, 2013 in Music
You've got to feel a bit of sympathy for Justin Bieber. He's been to every single Justin Bieber concert.


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Learn how easy it is to sync an existing GitHub or Google Code repo to a SourceForge project! See Demo
Daniel J Sebald wrote:
> Probably so. If this is the most up-to-date documentation:
> http://developer.apple.com/documentation/Darwin/Reference/ManPages/man3/lgamma.3.html
> there is no mention of a variable signgam.
And that's a solid bug in any OS math library that purports to implement
C99 or any recent level of Unix standard compliance. lgamma() is
required to be there, and it's equally required to have a signgam to go
with it.
> So perhaps it has no meaning anymore for Apple's platform.
That's not Appple's decision to make.
> Why they would still have the variable in
> the library if that were the case, I'm not sure.
They must have it, and they must use it as defined in all applicable


text:
Search results for Peta
Helena Bonham Carter, Pink Get Naked In The Name of Charity
Feb 11, 2015 6:45PM
Kid Rock Blasted By PETA For Hunting Picture
Jan 22, 2015 11:13AM
PETA Slams Kim Kardashian's Fur Bikini!
Jan 21, 2015 2:18PM
Pregnant Kourtney Kardashian Is Naked Because Of Course She Is
Dec 2, 2014 3:53PM
'The Simpsons' Creator Dying of Cancer Plans to Donate $100 Million Fortune
Nov 11, 2014 11:54AM
Jenelle Evans Comes Under Fire — For Giving Her Son Jace a Mohawk
Sep 10, 2014 3:53PM
PETA Slams Jenelle Evans For Mistreating Her Dogs on 'Teen Mom 2'
Aug 8, 2014 4:53PM
"Dannielynn Has Been Pushing Me Out the Door": Dannielynn Birkhead Wants Her Father, Larry Birkhead, to Date Again
May 28, 2014 3:24PM
Sasha Farber's Dancing With the Stars Blog: Welcome to the Semi Finals!
May 13, 2014 10:05AM
Sasha Farber's Dancing With the Stars Blog: Show Switches and Judge Disses!
May 6, 2014 10:06AM
Wishes Do Come True!: 'Dancing with the Stars' James Maslow Replies to Senior's "Promposal" in Sweet Video
Apr 12, 2014 10:45AM
Ricky Gervais Named Person of the Year By PETA
Dec 28, 2013 12:00AM
Courtney Stodden Wears Lettuce Bikini (PHOTO)
Aug 2, 2013 5:00AM
'Dancing With the Stars' Pros Weigh In On Big Show Change
May 20, 2013 2:00AM
Would Sean Lowe and Catherine Giudici Ever Do a Newlyweds Show?
May 7, 2013 2:00AM


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Thursday, March 12, 2015
Updated CISSP Domains
The CISSP Domains (Effective April 15, 2015) will be changing:
- Security and Risk Management (Security, Risk, Compliance, Law, Regulations, Business Continuity)
- Asset Security (Protecting Security of Assets)
- Security Engineering (Engineering and Management of Security)
- Communications and Network Security (Designing and Protecting Network Security)
- Identity and Access Management (Controlling Access and Managing Identity)
- Security Assessment and Testing (Designing, Performing, and Analyzing Security Testing)
- Security Operations (Foundational Concepts, Investigations, Incident Management, Disaster Recovery)
- Software Development Security (Understanding, Applying, and Enforcing Software Security)
March 12, 2015 in Current Affairs, Enterprise, Security | Permalink | Comments (0) | TrackBack (0)
Sunday, August 03, 2014
Review - Asus C720-2802 Chromebook
I recently picked up via Craigslist a "new in the box" Asus C720-2802 Chromebook to use as my new primary system for TechNewsRadio.com. The main reason was that DEFCON22 is coming up soon in Las Vegas and I needed a "relatively" secure system to attend sessions and take notes for ~8 hours a day.
My previous note taking system was relatively old ThinkPad that I had 3 sets of extra batteries for. So, I dropped about 6 pounds by moving to the C720. And I don't have to configure a fresh system to take to DEFCON and then scrub after.
This version (2802) seems like the middle build release (~Feb2014) from the original that was in late 2013 and the most current $199 version that uses the Intel Celeron 2955U processor (2848). There is also a newer more expensive C720 with an Intel Core i3 processor available.
The positivies:
- Keyboard is great.
- Integration with my Google account was flawless.
- Integration with all my core online services was flawless.
- Working offline seems to work as expected.
The negatives:
- Can't seem to check IMAP email with an extension or a native Chrome application.
The still to be determined:
- Will it get hacked at DEFCON?
- How to edit audio?
- Will it let me take notes all day at DEFCON?
POST DEFCON REPORT: There is now an IMAP client - CloudMagic. I am pretty sure I didn't get hacked at DEFCON. I was able to take notes all day long at DEFCON without any issues. I have not found a good solution for editing audio.
August 3, 2014 in Chrome, Conferences, Cyber, Mobile, Recommendation, Review, Technology, Tips | Permalink | Comments (0) | TrackBack (0)
Saturday, August 02, 2014
Feel free to follow along with Steve Holden at: Twitter and/or Google+. For technology news only updates follow TechNewsRadio @ Twitter.
August 2, 2014 in Linux, Macintosh, Networking, Open Source, Podcast, Recommendation, Security, Tips, Windows | Permalink | Comments (0) | TrackBack (0)
Thursday, June 12, 2014
Podcast Update On Personal Finance Tools
Back in Podcast #325 we had a mention and a link to a personal finance tool called Wesabe. It is no longer available.
There are other options out there like Mint and PocketBook.
If you know others then please let us know!
June 12, 2014 in Administrivia, Business, Reference, Tips | Permalink | Comments (0) | TrackBack (0)
Friday, May 30, 2014
Tracking News Related To TrueCrypt
Here are some links to stories about TrueCrypt shutting down:
- ThreatPost.com
- KrebsOnSecurity.com
- Reddit's SysAdmin
- Reddit's NetSec
- EtcWiki.org
- TheHackerNews.com
- TheRegister.co.uk
TrueCrypt is a key tool in our toolkit for protecting data and we use it everyday. If it is actually going to go away then it will leave a big whole in end-user security options for data encryption.
May 30, 2014 in Current Affairs, Development, Security, Tips | Permalink | Comments (0) | TrackBack (0)
Monday, September 16, 2013
Solar Power Review - Keeping Your Tech Powered While Camping
I recently picked up from Harbor Freight Tools the following solar power kit: 45W Solar Power Kit (#68751) for just over $150 (including tax).
Over the course of the last couple of months I've been able to try out the kit on several camping trips were there was no easy electrical grid access. The camping environment was pretty sunny but not always 100% full sun. The time of year for all the trips was summer and the location was Southern California. I ended up setting up the kit on the top of our small camper.
The main reason I picked up the kit was to keep all of my tech gear charged so I could keep tabs on email, news, and any tech issue with my sites. This was usually less than 1 hour a day which worked out well for my needs, and expectations related to being on a camping trip.
The gear I was able to keep operational using the kit included: cell phone, tablet, WIFI card, and a laptop during trips lasting up to 7 days.
I was suprised during the main daylight hours that the inverter could charge directly: the cell phone, tablet, and WIFI card. To keep my laptop charged I needed to capture to an emergency car battery system, and then use 3rd party car charger/inverter to get the right power levels to keep the laptop charged. I was also able to keep charged a USB battery pack so I could run my WIFI card during non-daylight hours when needed.
One other lesson learned, was to turn off all electronics while sleeping. This helped keep all the devices more readily available the next day then keeping them in standby/sleep mode overnight.
All in all the system worked very well and I'd recommend it.
Updated: 3/16/2014
September 16, 2013 in Gadget, iPad, Media, Mobile, Recommendation, Reference, Technology, Tips, Travel | Permalink | Comments (0) | TrackBack (0)
Monday, August 12, 2013
DEFCON 21 (and 20 oops!)
DEFCON 21 was in Las Vegas, NV from August 02-04, 2013 and we were there. Our real-time posts, references, and links are available over on @Technewsradio on Twitter.
We have a detailed report (PDF) from the sessions attended if you are interested. Just drop us an email to get the full report or a request via message on Twitter. A podcast summary is planned but not promised at this time.
Things that we are "worried about" from an Enterprise computing perspective:
- Social Engineering against users is like a hot knife cutting butter. Only defense seems to be training and awareness. Traditional information assurance (IA) protections: virus scanning, IDS, firewall, etc are not effective.
- You can't secure what you don't manage.
- Basic system administration tools and infrastructure services in the Microsoft Windows world can be used for evil: PowerShell, .NET, DNS, browsers, PKI, and SCOM.
- USB is not your friend.
- Mobile computing and Bring Your Own Device (BYOD) are really not your friend.
- Cloud computing could be your friend but probably won't.
- Developers writing code for an organization without a security focus is just asking for trouble.
- If you think your stuff is secure just because you have it behind a lock and a key you are in denial.
- In a year or less, penetration testing is going to include inexpensive mobile assault options via semi-autonomous very-small drones and robots.
P.S. x 1: We were also at DEFCON 20 and have that report available if you are interested. Just drop us an email or message on Twitter for a link.
P.S. x 2: There are also DEFCON 18 and DEFCON 19 reports. They are surprisingly still relevant IMHO -- same bat channel.
August 12, 2013 in Business, Conferences, Current Affairs, Development, Enterprise, Networking, Security | Permalink | Comments (0) | TrackBack (0)
Sunday, August 12, 2012
Prepping For Next Tech News Radio (TNR) Podcast
EDITED on 8/2/2014
The most current podcast has been released Tech News Radio #373.
The following are items currently in the queue for being included in a future podcast (no ETA):
- Wireshark 1.8.1
- BackTrack 5 R2 (with R3 expected in by end of August 2012)
The following are currently items of interest but probably not something we will cover in the next podcast (they propobably will be posted on @technewsradio):
- The 'new' eXploit magazine is devoted to learning about and examining exploits. The first edition is focused on: Metasploit, PMI, WSDL, SOAP, DoS
- Wickr is a secure communications app for Apple iOS that has no central repository of msgs & includes a msg self-destruct option
- Path is a "social network" that limits your social circle to no more than 150 people (aka Dunbar's number)
- Pair is an mobile application that only allows for communication between just two people
August 12, 2012 in Podcast, Podcasting | Permalink | Comments (1) | TrackBack (0)
Saturday, September 10, 2011
Updates from Twitter - iPad, DEFCON 19, Podcasts, Mobile, Amazon, Etc
The following items were recently posted on @technewsradio:
- USB hub allows simultaneous syncing of 49 iPads http://t.co/OO9H7HW
- DEFCON 19 Podcast Review #security #news #research #hacker #conference http://t.co/rbCr7hK
- SpokenWord.org gets about 1000 new programs every day & they are looking for curators of categories to make the content more organized
- BigBlueButton is a open source collaboration and training system that integrates a bunch of open source projects http://t.co/mEL5dDS
- PC World has more details on the recent news from Qualcomm about their planned updated Snapdragon mobile processor http://t.co/lQQO8y4
- YouTube has a great overview presentation on how "Prezi for iPad" works http://t.co/sHFJBSo
- Amazon EC2 is now supporting Virtual Machine (VM) Import to Amazon EC2 instances http://t.co/35n2UtJ
- IObit has announced a freeware version of Game Booster v2 for Windows that is geared for improving game performance http://t.co/Q0lWB4D
- Via Box.net ... you can get e-signatures features via DocuSign services integrated with documents stored on Box.net
- Getting started with project management? - "scope, time & "cost" - a good reference at Wikipedia http://t.co/oVIzQIX
- "Heroes of the Computer Revolution" original book looked at hackers & nerds from the late 1950s to the early 1980s http://t.co/H4Vz2kM
- arborjs.org - a graph visualization library using web workers and jQuery http://t.co/Zao0gyv
September 10, 2011 in Apple, Conferences, iPad, Media, Mobile, Podcast, Security, Twitter, Windows | Permalink | Comments (0) | TrackBack (0)
Monday, August 22, 2011
DEFCON 19 Podcast Review
DEFCON 19 was in Las Vegas, NV from August 4-5, 2011. This yearly computer network security and hacker conference is full of cutting-edge research, detailed demos, awesome presentations, and a lot of partying. The podcast coverage was pretty good also. Here are my recommendations:
- Network Security Podcast
- Southern Fried Security Podcast: #59 Defcon Review
- Social-Engineer.Org: Live at Defcon 19
- PaulDotCom Security Weekly - Episode 254 Part 2 (08-11-2011) [wiki]
- Exotic Liability: #78 Con-dom
- Eruo-Trash Information Security Podcast
- InfoSecDaily
If you are interested in hearing my thoughts about DEFCON 19 then check out the PaulDotCom.com podcast (08-11-2011). I am the boring "IT Guy" trying to avoid the topic of "hot" women visiting the PaulDotCom.com booth. If you'd like to see a copy of my notes (13+ pages) then drop me a personal email to: "s h o l d e n @pobox.com."
Here is a Picasa collage from the Network Security Podcast meet-up at DEFCON 19 that was "infected" by Paul & Larry @ Pauldotcom.com's little red balls from one of thier sponsors:
August 22, 2011 in Conferences, FriendsInTech.com, Networking, Open Source, Podcast, Recommendation, Security, Technology | Permalink | Comments (0) | TrackBack (0)
Another Week Of Recommended Podcasts Worth A Listen
Looking through my listened to podcast list for this past week, I'm going to recommend the following as potentially interesting:
- MacCast 2011-07-26: Review of Apple Mac OS X Lion Release (News, Tips & Tricks)
- Author Debriefing (August 16, 2011) - The Triple Agent: The al-Qaeda Mole Who Infiltrated the CIA
- Southern Fried Security Podcast: Interview with Andy Ellis @CSOAndy [#58] & Interview with Rich Mogull [#57]
- IT Pro Show by Same3Guys: Detailed look at OpenStack
- KPBS Midday Edition: Social Media - Can It Keep You From Getting A Job?
- This Week In Google (TWIG) #108: Excellent coverage of the Google & Motorola News
August 22, 2011 in Apple, Enterprise, Networking, Open Source, Podcast, Podcasting, Security, Technology, Virtualization | Permalink | Comments (0) | TrackBack (0)
Sunday, August 21, 2011
@technewsradio Posts You Might Have Missed
Here are some posts recently to @technewsradio on Twitter that you might have missed:
- SitePoint has announced "Build Your Own Wicked WordPress Themes - Create Versatile WordPress Themes That Really Sell" http://t.co/t9K7dMg
- iPhone: The Missing Manual, 4th Edition (by David Pogue) covers iPhone 4 & All Other Models with iOS 4 Software http://t.co/SMBNX2d
- Some great web-based cipher (i.e. encryption) tools posted to: http://t.co/gBerYw6
- Franklin Covey's Plan Plus Online has been updated for business workgroups that allows for team so collaborate between team members
- DJ Amber's latest CD release -- neo.maximal -- is available at http://t.co/SkH0LIr
- O'Reilly & Josh Clark have teamed up for a new Apple iOS programming & user interface design book called Tapworthy http://t.co/dEuvB5T
- Oracle has released VirtualBox 4.1.2 which improves stability and fixes regressions. Download via: http://t.co/rODJspx
- Roku has announced upgraded Roku 2 hardware: HD ($60), XD ($80) & XS ($100) #besthomevideostreaming
- Change your logon screen for Mac OS X Lion via these tips on MacRumors: http://t.co/G5Qf2vq
- Want to display your hard drives on your Mac OS Lion desktop? Tip here: http://t.co/o9XMKUa
- Are smash & grab tactics going to be something that grows? I don't think an adversary cares one way or the other http://bit.ly/nygX1B
August 21, 2011 in Technology, Twitter | Permalink | Comments (0) | TrackBack (0)
Saturday, August 20, 2011
TECH NEWS RADIO PODCAST #372 | 2011-08-20 | Browser Phishing, National Cyber Range & Microphone Hijack
Listen! (Size 2.9 MBs, Running Time 2m57s)
Today's podcast examines three stories about computer network security:
- New browser tab and window phishing attack threats.
- Barry Rosenber at Federal Computer Week examines DARPA's National Cyber Range plans.
- Tim Wilson at DarkReading.com has coverage of new microphone hijacking attack options.
Feel free to follow along with Steve Holden at: Twitter and/or Google+. For technology news only updates follow TechNewsRadio @ Twitter.
August 20, 2011 in FriendsInTech.com, Networking, Podcast, Security, Web/Tech | Permalink | Comments (1) | TrackBack (0)
Saturday, August 13, 2011
This Week's Tech Podcasts Worth A Listen
Here is a pointer to some recent technology related podcasts that might be of interest:
- Windows Weekly 221: Mango, Windows 7 security, Hotmail, etc.
- MobileTechRoundup 245: tablet news, new phones, latest mobile updates
- Security Now 313: How The Internet Works: ICMP & UDP
- Marketplace Tech Report: 911, eBooks, riots, fantasy footboll, Wikipedia
- Typical Mac User Podcast 237: Lion FDE, Dropbox, PadPivot And Denoising Audio
- Wall Street Journal Tech News Briefing: All the latest business tech news fro WSJ.com
If you have a suggestion or a link to a good technology podcast to let others know about then drop us an email, message @technewsradio, or leave a comment below.
August 13, 2011 in Apple, Business, Current Affairs, FriendsInTech.com, Media, Mobile, Podcast, Technology | Permalink | Comments (0) | TrackBack (0)
Sunday, May 08, 2011
Learn More About Hard Drives Including The Latest On SSD
Victor Cajiao's Typical Mac User Podcast has a great intereview by George Starcher with Scout Moulton discussing how hard drives work including a deep dive into the latest information about solid state drives (SSD).
May 8, 2011 in Apple, FriendsInTech.com, Storage, Technology | Permalink | Comments (0) | TrackBack (0)


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All comments
Posted by: Rachel on 2015-02-08 06:18:35
This was my second visit to Robertos and I must admit it wasn't as good as the first. The food was great and there is a good selection of authentic Italian food to choose from. The wine list is very extensive and there is a great range of cocktails, ranging from your standard ones to some more inventive signature creations. The service did seem to have declined a little from my last visit. Our waitress was great throughout the meal but last time I remember being blown away by the attentiveness of all the staff, and their attention to detail (cleaning and refolding napkin when I left the table to visit the toilets), this type of thing didn't seem to be there this time. We also had a bit of a query with the bill and it wasn't handled very well, so much so we were left feeling a bit awkward. The atmosphere was nice though, a buzzy environment with progressive house being played by a live DJ. It's a great spot for people watching and the view of the Burj Khalifa certainly isn't bad either!
Posted by: Shahenda on 2015-02-06 09:16:52
would you send me the contact number and please tell me about the charge policy
Posted by: DeeLucks on 2015-02-06 00:20:37
This guy has a heart. I really appreciate the fundraiser 4 Autism Speaks, because I have a brother who was born autistic. This means alot Prince. Thank you!! Please release a dvd or somethang, there are some of us who would love to share the eXperience with those more 4tunate than the rest of us. Don't be so mean Prince, share..
Posted by: Bob on 2015-02-04 07:45:25
"Safa Park will be upgraded....." really???. How can destruction be called upgrading??.
What a sad joke. Shameful.
Posted by: Peter Higgins on 2015-02-04 06:29:09
- Best for: Family friendly
- Would you go back to this restaurant? Yes
The best Pizza I have found in Dubai, successfully retaining the Italian feel. However, it is not fine dining - more like Neapolitan street food, so a great place to come for great authentic Pizza, but not if you are just aiming to impress a date or business contact.
Posted by: Tayyaba on 2015-02-03 16:02:03
Its really a big problem of homesickness in dubai even with me,I felt when I go to Pak I have a fresh mind but here so boring and a huge depression on mind.These aryew good ideas, like physical activities but near me its solution is to meet peoples bcoz communication keeps mind fresh & active.
Posted by: Darlene Ulmet on 2015-02-03 13:20:39
Very good article that gives a good representational overview. Nice!
Posted by: Blair Boyle on 2015-02-03 09:06:05
- Would you go back to this restaurant? No
Went for breakfast. Food below average - scrambled eggs bland and the 'sweet potato ribbons' were essentially potato crisps without being as tasty. The 'crunchy toast' would have required a machete to hack into it. The staff were pleasant and dealt admirably with problems not least the obnoxious and loud woman who talked over the surrounding area and complained about everything loudly - including much finger - clicking. Another over - hyped and pretentious restaurant to add to the Dubai collection.
Posted by: N Hasan on 2015-02-03 08:42:35
Sorry to say… the Celtic fusion didn't work. The concert wasn't upto expectations of a Zakir Hussain signature event. Not to mention the irritating, immature school kids who were handling the lighting. Wasn't fun to watch a musical concert with spot lights glaring in your face! Hope I represent the voice of many who attended the show… who want this message to reach the powers-that-be!
Posted by: Asjed afsar on 2015-02-02 22:34:25
Hi mate just asking coming to dubai for a week wiv my lad he's 8 loves football coming in April 6th any training sessions on and how much cheers pal
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Phoenix Suns
Lottery watch: Phoenix Suns edition
The Phoenix Suns are not going to make the playoffs, which means they will be in the draft lottery for the third time in three seasons. Unlike the last couple of trips, though, they are projected to pick pretty high. And to top it off, they will add a second lottery pick to the arsenal if the Los Angeles Lakers fail to qualify for the postseason. If the Lakeshow reaches the playoffs, the Suns will instead receive Miami's pick, which promises to be very late in the first round.
This page will keep you updated on where the potential lottery picks stand.
|Current Draft Position
|NBADraft.net mock
|Marcus Smart, G,Oklahoma State
|No. 1 pick odds
|Games back of playoff spot
|Up next
Most Popular
Suns Audio
- Ryan McDonough, Suns general manager Ryan McDonough talks about what the Suns need to improve on going forward.
- Amin Elhassan- ESPN NBA Front Office InsiderAmin Elhassan says the Suns' fight for the playoffs is over.
- Jeff Hornacek, Suns head coachCoach Hornacek talks about the tough loss to Portland and the future of the Suns.
- Jeff Hornacek- Phoenix Suns head coachJeff Hornacek is still looking for a leader to take over in the Phoenix Suns' locker room.
- Bickley BlastWhat is the current state of basketball in the state of Arizona?


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Executive Hotel Vintage Court
2 blocks to Chinatown
Near the foot of Nob Hill, Executive Hotel Vintage Court offers a prime location between Union Square and Chinatown - 2 blocks from both - and a 10-minute walk from the Financial District. You can catch the cable car right down the block or hop on the bus around the corner.
Shop Saks or cruise
You can browse stores like Tiffany & Co and Saks Fifth Avenue at Union Square, or check out the discount deals in Chinatown. A 20-minute ride on the cable car will take you to Fisherman's Wharf, and you can catch Bay cruises at the ferry terminal, a 10-minute cab ride away.
Wine by the fire
Every evening, the hotel hosts a free wine reception by the fireplace in the lobby; you can also request free tickets for tastings at various Napa wineries. You have a choice of continental breakfasts every morning, and friendly staff can help arrange tickets and transport.
Connect with free WiFi
All 106 guestrooms are non-smoking, and many offer city views from bay windows. WiFi is free, flat-screen TVs come with cable channels, and bathrooms include organic bath products and plush robes.
Room was decent wth a view of alley and building next door. Thoroughness of cleaning was…
The Hotel Vintage Court is in a great location. However we felt that we overpaid for our…
Enter dates to check prices
Hotel Info: 866-539-8117from $166
- Executive Room, 1 Queen Bed
- Executive King Room - Special Deal!
- Suite, 1 Bedroom
- Executive Room, 1 King Bed
- Two Double Room - Special Deal!
- Executive Two Double Room - Special Deal!
- Executive Double Room, 2 Double Beds
- Upgrade to King Room - Today Only!
Recommended hotels
At a glance
Key facts
Hotel size
- This hotel has 107 rooms
- This hotel is arranged over 8 floors
- Check-in time 3 PM-2 AM
- Check-out time is noon
- Express check-out
Required at check in
- Credit card deposit required
- Government-issued photo ID required
- Minimum check-in age is 18
Travelling with others
- No cribs (infant beds)
- Pets allowed *
- Specific rooms only, restrictions apply *
- 2 per room
- Free WiFi in public areas
- Free WiFi in rooms
- Valet parking *
- Accessible parking
Other information
- Smoke-free property
- Resort fee included
In the hotel
- Continental breakfast daily (surcharge)
- Restaurant
- Bar/lounge
- Free reception
- Fitness facilities
- Ecotours nearby
- Golfing nearby
- Use of nearby fitness center (discount)
- 24-hour business center
- Number of meeting rooms - 3
- Conference space
- Meeting rooms
- Conference space size (feet) - 900
- Conference space size (meters) - 84
- Computer station
- 24-hour front desk
- Concierge services
- Tours/ticket assistance
- Limo or Town Car service available
- Dry cleaning/laundry service
- Free newspapers in lobby
- Luggage storage
- Elevator/lift
- Safe-deposit box at front desk
- Fireplace in lobby
- Disabled parking
- Accessible path of travel
- Braille or raised signage
- Accessibility equipment for the deaf
- Accessible bathroom
- In-room accessibility
In the room
- Air conditioning
- Minibar
- Coffee/tea maker
- Bathrobes
- Iron/ironing board
- Pillowtop mattress
- Private bathroom
- Rainfall showerhead
- Free toiletries
- Hair dryer
- 30-inch LCD TV
- Pay movies
- Premium TV channels
- MP3 docking station
- Desk
- Free WiFi
- Phone
- Refrigerator
- Daily housekeeping
- In-room safe (laptop compatible)
Executive Hotel Vintage Court's small print
Also known as
- Mapas De Las Vegas
- Hotel Vintage Court
- Vintage Court Hotel San Francisco
- Mapa De Las Vegas
- Executive Hotel Vintage Court San Francisco
- Vintage Court San Francisco
- Executive Hotel San Francisco
- Executive Hotel Vintage Court
- Executive Hotel Vintage
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.
Parking height restrictions apply.
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
Deposit: USD 250 per stay (for stays between 1 January - 31 December)
Breakage deposit: USD 250.00 per stay (for stays between 1 January - 31 December)
Pet deposit: USD 25.00 per night
The charges below are included in the total price displayed:
- Resort fee
Optional extras
Late check-out can be arranged for an extra charge of USD 200.00
Self parking costs USD 33.00 per day with in/out privileges
Valet parking costs USD 45.00 per day with in/out privileges
Continental breakfast is offered for an extra charge of USD 12.00 per person (approximately)
Pets are allowed for an extra charge of USD 25.00 per pet, per night
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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School-Age Children
Kindergarten Readiness: Reading
Here are some enjoyable activities you can do with your child to help "grow" his literacy skills.Read more
To Quit or Not to Quit
Does this scenario sound familiar? Your daughter spends weeks begging you to sign her up for gymnastics classes. You agree, write a check, and she goes to her first lesson with energy and enthusiasm. And, I think you know where this is going!Listen
Managing Technology
The Internet is a way of life for kids. They use it for everything from simple communication to school-related tasks. How do we help them avoid spending too much time online?Listen
Giving Choices to Strong Willed Children
Strong-willed child expert, Cynthia Tobias shares that by giving your child a choice of a couple of things, they'll choose one. Listen to the full program here.Listen
Your Child Learns Anger From You
Strong-willed child expert, Cynthia Tobias says it's easy to let your children irritate you – but just don't let them see it. Listen to the full program here.Listen
Discuss Household Chores
Getting your children to take on household chores starts with a conversation. Dr. Greg Smalley shares how you can encourage your kids to start helping around the house. Listen to the full program here.Listen
Parenting in the Middle School Years
By the time our children enter middle school, their march toward independence is well under way. It can be a confusing time for parents. When a child spreads his wings, it can feel like he's turning his back on you instead. But that's not really the case.Listen
Generation Snack
According to a new report by Health Affairs, kids today are taking in significantly more calories from snack foods than they did in the 1970s. Statistics show that half of American children snack four times a day, and that some kids are eating almost constantly, with as many as ten snacks a day.Listen
Nurturing Your Child's Intelligence (Part 2 of 2)
Dr. Kathy Koch helps parents identify and unlock eight "intelligences," or "smarts," in their children, and discusses ways to encourage their growth and understand how they connect with God. (Part 2 of 2)Listen
Nurturing Your Child's Intelligence (Part 1 of 2)
Dr. Kathy Koch helps parents identify and unlock eight "intelligences," or "smarts," in their children, and discusses ways to encourage their growth and understand how they connect with God. (Part 1 of 2)Listen
Conflict Resolution Skills for Kids
Helping kids navigate disagreements peacefully.Read more
Talking About Sex and Puberty
As a parent, you are the best person to educate your child about sexuality.Read more
Preparing for Adolescence
Dr. James Dobson offers practical suggestions to help parents prepare their preadolescents for the frustrations of the teen years.Read more
Is Your Child Ready for Kindergarten?
Sending your child to kindergarten can be rough, with a mix of feelings ranging from relief to fear.Read more
Your Child's Personality
Becoming familiar with your child's personality will go a long way toward helping you understand why your child acts the way she does.Read more
Transitioning to Middle School
How to help your child ease into middle schoolRead more
Homework and Responsibility
Letting my child succeed (or fail) on her ownRead more


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Get free worksheets plus activities, articles and science projects.
Give your little learner a fun way to practice addition, subtraction and even a bit of multiplication with these Christmas word problems. He'll get to use reasoning to apply his math skills to real life situations.
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Your Stories
"Small campus community a plus"
After graduating from SDSU, I decided to get a Master's Degree in Counseling. I wanted to stay in San Diego so I applied and was accepted into USD's counseling program.
Unfortunately, a family member became ill and I needed to move home but wasn't sure how I'd continue my education. Fortunately, I also applied to CLU and was admitted, the small campus-vibe couldn't be more than opposite to SDSU. I like it. After completing my degree in Counseling I got a job offer to work at CLU's Upward Bound Program.
My journey back home was difficult and challenging, but my experience with going to school at CLU and working at CLU has been very influential in my life. I enjoy the work I do, I love coming to work and I appreciate seeing familiar faces of my colleagues on campus and being able to say hello and know their name (and they know mine).
More Stories
"Life teaches value of degree"
Her story is like others in the program, those wanting satisfaction and gratification in something they attempted once in their lives
"Hopes and dreams"
Arriving to CLU was full of emotion because I was the first in my family to attend a university.
"Working at CLU"
We have shared so much laughter, joy, and teamwork relating with one another and common triumphs and struggles.
"Inspired by advisor"
She kept my interest in counseling while igniting my passion for knowledge and desire to become a professor one day.
Browse Stories by Tag:ADEP alumni business campus childhood community counseling crisis faculty Family freshman funny Graduate graduation Growth impression inspiring Inspring International job jobs journey kclu leadership lutheran memories office opportunities professor returns serving staff Student studentm inspiring students success teaching undergradate undergraduate vision working


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text: Twin Babies Sneeze At The Same Time [VIDEO] By Andree Valentine June 7, 2011 9:17 AM Share on Facebook Share on Twitter YouTube Who doesn't love cute baby videos? This adorable video shows twin girls sneezing at the exact same time. Think they told each other to do that telepatically? Filed Under: babies, videos Category: Kids, Videos Share on Facebook Share on Twitter More Leave a comment Send to a friend! Print this page Pin it! Reddit This! Share on Tumblr! Best of Kicks 105 Recommended For You Around the Web


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Leviton 80436-GY Electrical Wall Plate, Decora, 6-Gang - Gray
Brand: Leviton Model: 80436-GY Condition: New
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About this Product
Earn 1 Westside Dollar for every 3 pieces purchased.
This Leviton 80436-GY wall plate features an impressive 6-gang design with openings for Decora devices. It comes in an elegant gray shade that looks classy with the wall plate's design lines. This wallplate is made of thermoset plastic which is resistant to fading, discoloration, grease, oils, organic solvents and moisture scratches. Includes metal mounting screws. Great quality for a great price, with the Leviton name you know you are getting a product that is built to last.
Features:• Elegant Decora Style
• Simple Installation
• Easy to Clean Smooth Surface
• High-Quality Leviton Product
Specifications:• Color: Gray
• Type: Standard Size
• Gang: 6
• Device Graphic: Decora/GFCI
• Material: Thermoset
• Mount: Device
• Standards and Certifications: UL/CSA
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Project • Financial Development facilitates economic grow. Discuss. • What do you think are the causes of the global financial crisis? What lessons can be learnt from the crisis? • Financial system in general and the banks, in particular must be heavily regulated. Discuss taking into account the current global financial crisis. • The JSE is the largest stock exchange in Africa and one of the biggest in the world. Describe the evolution of this institution from when it was established up until now. Include the following in your description its size in terms of market capitalization, number of listed firms, etc. Also explain the ownership structure of JSE. 1 • BESA is South Africa's bond exchange. Describe the evolution of this institution from when it was established up until now. Include the following in your description its size, ownership structure, etc. • As discussed in class there are four main term structure theories of interest rates. Explain in detail the main postulations of each. Which one do you think is appropriate for an economy like South Africa? • Enumerate the different financial instruments trade in South Africa. Give a detailed explanation of the risks associated with each. Given your risk tolerance level which one would you go for? 2 • Explain the principal-agent problem between shareholders and the management of a firm. Get 10 financial statements from 10 listed firms and do a critical assessment on whether the firms have managed to put in place mechanisms to correct or reduce the principal agent problem. • The banking sector in South Africa is not competitive. Discuss. How do customers benefit from a competitive sector. • The South African monetary policy must be revamped? Discuss. 3 Bonds • Def: A bond is an instrument in which the issuer (borrower) promises to repay the lender/investor the amount borrowed plus interest over some specified period of time. • Bond Features • The borrower issues a bond to the lender for some amount of cash. The arrangement obligates the issuer to make specific payments to the bondholder on specific dates. • A typical bond obligates the issuer to make semi- annual payments of interest to the bondholder for the life of the bond. When the bond matures, the issuer repays the debt by paying the bondholder the bond's par value. 4 Bond Features • The term to maturity of a bond is the number of years during which the issuer has promised to meet the conditions of the obligation. • The maturity of a bond refers to the day the debt will cease to exist and the day the issuer will redeem the bond by paying back the principal. • The principal value of a bond is the amount the issuer agrees to repay the bondholder at the maturity date. • Example: A 30 year bond with interest of 8% and a par value of R1000 entitles the bondholder an annual cash flow of R80 (8% of 1000) for 30 years. At the end of 30 years the issuer also pays the R1000 par value to the bond holder. • • Examples of bonds:- Treasury bonds and notes, corporate bonds, etc. 5 Bond Categories • Depending on their duration and interest payments bonds can be categorized into four basic types: - • Zero-coupon bonds- these promise a single future payment. They make no coupon (interest) payment. In this case investors receive par value at maturity date but receive no interest payments. • Fixed payments bonds – e.g. Mortgages. • Coupon bonds – these make periodic interest payments and repay the principal at maturity. • Consols – these make periodic interest payments forever never repaying the principal that was borrowed. 6 Bond Pricing • To value a security, we discount its expected cash flow by an appropriate discount rate. The cash flows from a bond consist of coupon payments until the maturity date plus the final payments of the par value. • Bond value = Present Value (PV) of coupons + PV of par value • The value of a bond can be written as: T Coupon ParValue • Bond Value = (1 r ) t (1 r )T t 1 • Where T is the term to maturity and r is the interest rate. 7 Pricing Different Types of Bonds • Zero-coupon bonds - • Example: Consider a zero coupon bond with a face value of R100 sold at $96. The difference of R4 is a discount and is the interest payment to the lender. So the value of a zero-coupon bond is just the value of the payment discounted with an appropriate discount rate: 100 Price of R100 face value zero coupon bond (1 i) T • Where i is the interest rate in decimal form and T is term to maturity. 8 • Fixed Payment (FP) bonds - These are loans that promise to pay a fixed number of equal payments regularly. The borrower pays off the principal along with the interest over the life of the loan. • The value of such a bond today is the present value of all payments. • Value of a FP loan = T 1 i FP FP FP FP ..... 1 i 1 i 2 1 i T i 1 t 9 • Coupon bonds - The issuer of a coupon bond promises to make a series of periodic interest payments plus a principal payment at maturity. • Price of Coupon bond = • Coupon Coupon Coupon FaceValue ........ • 1 i 1 i 2 1 i T 1 i T = T (1 r ) Coupon ParValue t 1 t (1 r ) T 10 • Consols or Perpetuities - This type of a bond offers periodic payments ad infinitum. The borrower only pays the interest and never repays the principal. • Price of a consol = Yearly coupon payments i 11 Bond Yields • The yield on a bond should reflect the coupon interest that will be earned plus any capital gain/loss that will be realized from holding the bond to maturity. • For example, if a 4-year bond with a coupon rate of 5% and a par value of R1000 is selling for R900.64, the yield should reflect the coupon interest of R50 (5% of R1000) every year plus the capital gain of R99.36 (1000-900.64) when the bond is redeemed at maturity. • There are two important types of yields – the current yield and the yield to maturity. 12 • Current yield of a bond - measures the cash income provided by the bond as a percentage of bond price. It measures the proceeds the bondholder receives for making the loan. It is the yearly interest payments divided by the price. Yearly coupon payment • Current Yield = Price of the bond paid • From the formula it can be seen that the current yield measures that part of the return from buying the bond that arises solely from the coupon payments. 13 Yield to Maturity (YTM) • Yield to maturity (YTM) – this is the yield bondholders receive if they hold the bond to maturity when the final payment is made. • More formally the YTM is the interest rate that makes the present value of the cash flow of a bond equal to the market price. The YTM, y, is found by solving the following equation for y: C C C M P ......... 1 y 1 1 y 2 1 y 1 y T T 14 Holding period returns • YTM can be different to holding period return because holders can sell bonds before maturity. The price of the bond can also change between the time of purchase and the time of sale. • Holding period return = Yearly coupon payment Change in price of bond Price paid Price of bond 15 The Bond Market • Bond prices are determined in the market for bonds by supply and demand for bonds. To simplify things we shall look at a stock of bonds existing at a given time period. • Bond Supply Curve • It shows the relationship between the price and quantity of bonds people are willing to sell, ceteris paribus. • The curve is upward slopping. If the price of a bond increases, a holder of the bond would sell it as the investor tries to take advantage of the capital gains. For firms seeking to raise funds the higher the price of bonds the more the funds they can generate if they issue the bonds. 16 Factors that shift the bond supply curve • Change in government borrowing – an increase in government borrowing needs can increase the quantity of outstanding bonds if it finances its deficit for example using bonds. • Changes in general business conditions – As the economy goes through different phases of the business cycle the different economic' needs for funds also change. For example, during expansion business conditions are good and investment opportunities abound, thus prompting firms to increase borrowing. One option is to borrow by issuing bonds, shifting the bond supply to the right. 17 Bond Demand Curve • The bond demand curve shows the relation between price and quantity of bonds investors demand, ceteris paribus. It is downward sloping i.e, as price falls the reward for holding bonds rises, so demand goes up. • Suppose you are holding a bond with a face value of R1000 with an interest rate of 10%. Now suppose in the bond market the bond is selling at R900. Would you buy more of this bond? Yes because you get interest equal to R100 and an additional capital gain equal to 100 (1000-900). 18 Factors that shift the bond demand curve • Wealth – as wealth increases individuals increase their investments in stocks, real estates and bonds etc. • Expected inflation – a fall in expected inflation shifts the demand curve to the right. • Expected returns and expected interest rates – if the return on bonds rises relative to other alternatives the demand for bonds will rise. For example if there is a shock that adversely affect the stock market then investors can start demanding more bonds as alternative investments. • Risk to alternatives - if a bond becomes less risky relative to alternative investments the demand for the bond shifts to the right. • Liquidity relative to alternatives – other things being equal the more liquid the bond the higher the demand for it. 19 Risks Faced by Bondholders • Default risk – this is the chance that the issuer of the bond may fail to make promised payments. There is no guarantee that the bond issuer will make the promised payments. • Inflation risk – since inflation is a fact of life an investor cannot be sure of what the real value of his/her payments will be. • Interest rate risk – If the interest rate changes between the times the bond is purchased and the time it is sold the investor can suffer a capital loss. 20 Default Risk and Bond Pricing • We stated that the income stream from bonds is not riskless because the issuer of the bond can default on his or her obligation. The actual payments on bonds are uncertain; they depend to some degree on the ultimate financial status of the issuer or firm. • Bond default risk/credit risk is measured by a number of rating agencies such as Moody's Investors Services and Standard and Poor's Corporation. These firms provide quality ratings of firms. The firm's bonds are assigned some grades that reflect the safety of the bonds. 21 Quality Standard and Poor's Moody's Very High quality AAA or AA Aaa High quality A and BBB A and Baa Speculative BB and B Ba and B Very Poor CCC and D Caa and C 22 Determinants of bond safety • Coverage ratio – ratios of company earnings to fixed assets, e.g. EBIT over interest. Low or falling coverage ratios signal possible cash flow difficulties. • Leverage ratio – debt to equity ratio. A too high leverage ratio indicates excessive indebtedness, signaling the possibility that the firm will be unable to satisfy the obligations on its bonds. • Liquidity ratio – two common liquidity ratios are – current ratio (current asset over current liabilities) and quick ratio (current assets less ST over CL). These ratios measure the firm's ability to pay bills coming due with cash currently being generated. • Profitability ratio – this is an indicator of a firm's financial strength. An example of profitability ratio is return on assets (EBIT over TA). • Cash flow to debt ratio - ratio of cash flow to outstanding debt. 23 Bond Indentures or Protective Covenants • Subordination of further debt - One of the factors affecting bond safety is total outstanding debt of the issuer. More debt issued after you have already lent to the firm can reduce the quality of your debt. To prevent firms from harming bondholders in this manner, subordination clauses that restrict the amount of additional borrowing can be included in the debt contract. • Dividend restrictions - Dividend restrictions can limit the amount of dividends the firm can pay. These limitations protect the bondholders because they force the firm to retain assets of the firm rather than paying them to shareholders. • Collateral - Some bonds are issued with specific collateral behind. In this case they are called secured bonds. 24 Bond Indentures or Protective Covenants • Sinking Funds - Bonds call for the payment of par value at the end of the bond's life. This payment constitutes a large cash commitment on the part of the issuer. In order to ensure that this commitment does not result in a cash crisis the firm can be required to establish a sinking fund to spread the burden over several years. 25 The Term Structure of Interest Rates • The "term structure" of interest rates refers to the relationship between the fixed amount of interest paid on a financial security (e.g. government or corporate bond) and the amount of time before the bond reaches its maturity date. • The theory is based on the observation that in general the interest rate on a loans depends on the length of time that the bond is held. • When interest rates of bonds are plotted against their terms, this is called the "yield curve". • Usually, longer term interest rates are higher than shorter term interest rates. This is called a "normal yield curve" and is thought to reflect the higher risk premium that investors demand for longer term bonds. 26 Yield Curve Shapes Yield Yield 0 0 Maturity Maturity 27 Yield Curve Shapes Yield Yield 0 0 Maturity Maturity 28 • Economists and financial academics have developed theories to explain the shape of the yield curve. The four main theories are: – The Expectations Hypothesis Theory – The Liquidity Premium Theory – The Preferred Habitat Theory – The Market Segmentation Theory 29 The Expectations Hypothesis Theory • The expectations hypothesis assumes no uncertainty about the future. • It assumes that a risk-free interest rate can be computed assuming no uncertainty about the future. • According to the expectations hypothesis we know the yield on bonds available today as well as the yields on bonds available in the future. • So for a surplus unit in the market who has excess cash which he wants to use in two years' time there are two options of purchasing bonds. 30 • He can purchase a 2-year bond or he can purchase a 1-year bond today and a second 1-year bond when the first 1-year bond matures. The investor will be indifferent between holding the 2-year bond and holding a series of two 1-year bonds. • Consider an investor with a 2-year horizon. He has two strategies: • Strategy A • Invest in a 2-year bond and hold the bond to maturity. Let us call the interest rate associated with this investment i2t. • Investing a dollar in this bond will yield the following two years later: 1 i 2t 1 i 2t • Strategy B • Invest in two 1-year bonds; one today and a second one when the first one matures. Let i1t be the interest rate on the 1-year bond purchased today. • Let i te1 be the interest on the1-year bond purchased one year from now. 31 • So $1 invested using this strategy will in two years' time yield: 1 i 1 i 1t e it 1 32 • According to the expectations hypothesis investors will be indifferent between these two strategies: i.e.; 1 i2t 1 i2t (1 i1t )(1 i e 1t 1 ) i1t e i t 1 i 2t 2 • Thus the two year interest rate is the average of the current and the future expected 1-year interest rates. 33 • For a comparison between a 3-year bond and three 1-year bonds we get: i1t i1t 1 e i1t 2 e i3t 3 34 • Generalizing the above we get: i1t i i e e ......... i e int 1t 1 1t 2 1t n 1 n • According to the expectations hypothesis when interest rates are expected to rise in the future, long term interest rates will be higher than short term interest rates, i.e. the yield curve slopes up. 35 The Liquidity Premium Theory • The liquidity premium theory asserts that investors usually prefer short-term fixed securities over long- term securities. • Because investors do not like to tie up capital in long-term securities, since those funds may be needed before the maturity date. Investors prefer their funds to be liquid rather than tied up. • It assumes investors must be offered a higher expected return to hold a bond with a horizon different from their preferred horizon. 36 • Generally there is a shortage of long-term investors as compared to short-term investors so that an incentive is required to attract more investors into the long-term debt markets. • One weakness of the expectations hypothesis is that it ignores risk. • Bondholders face inflation and interest-rate risk. The longer the term of the bond the higher the inflation and interest rate risk. 37 • Inflation risk • Bondholders care about the real return of their investment not just the nominal dollar value of the interest payments. • Computing the real return from the nominal requires a forecast of future inflation (expected inflation). • Forecasting a longer period is more difficult and less accurate than forecasting a shorter period. • Hence real returns ten years into the future are more risky than real returns two months into the future. • Therefore the further we look into the future the greater the uncertainty about inflation. Thus a bond's inflation risk increases with its time to maturity. 38 • Interest rate risk • This arises from a mis-match between the investor's investment horizon and a bond's time to maturity. • If a bondholder plans to sell a bond prior to maturity changes in interest rate, which causes the bond price to change, generate gains or losses. • The longer the term of the bond the greater the price changes for a given change in interest rates and the larger the potential capital losses. The interest rate risk also increases with the term to maturity. • So both inflation and interest rate risks are positively related to the term to maturity of a bond. For any investor to be willing to tolerate more risk the return must increase to compensate him/her. 39 • The liquidity premium theory adds risk premium to the expectation hypothesis general equation, yielding: i1t i1t 1 i1t 2 e e .........i1t n1 e int rp n n • Since risk increases with maturity and rpn increases with n; the yield on a long-term bond includes a larger risk than the yield on a short-term bond. 40 • Another explanation of the liquidity premium theory which argues that long-term rates should always be higher than short-term rates is that investors prefer to preserve their liquidity and invest for short-term periods. • Borrowers, on the other hand, usually prefer to borrow for long periods of time. This results in a mis-match between the requirements of borrowers and depositors. • In order to solve this problem the banks then offer higher interest to depositors if they make deposits for longer periods (while charging higher rates to investors who borrow for long terms). • This means short term interest rates would be lower than long term interest rates. 41 The Market Segmentation Theory • The market segmentation theory argues that the market for bonds is segmented by maturity dates. • It holds that long-term and short-term bonds are traded in segmented markets, each of which finds its own equilibrium independently. • The group of investors competing for long-term bonds is different from the group competing for short-term bonds. • Hence there need not be any relation between prices (defined by the interest rates) of short and long term bonds. • • So all points on the yield curve are independent, each is determined by the forces of supply and demand in its own market. 42 • The short-term interest rate is determined by demand and supply in the short-term bond market; the long-term interest is determined by demand and supply in the long-term market. • The activities of long-term borrowers and lenders determine rates on long-term while short-term traders similarly set short-term rates independently of long-term expectations. • The market segmentation theory assumes that neither investors nor borrowers are willing to shift from one maturity sector to another to take advantage of the opportunities arising between expectations and forwards rates. • For the segmentation theory the shape of the yield curve is determined by the supply and demand for securities within each maturity sector. 43 The Preferred Habitat Theory • The preferred habitat theory states that investors have distinct investment horizons and require a meaningful premium to buy bonds with maturities outside their "preferred" maturity, or preferred habitat. • Risk-averse investors prefer to match the life of their assets and the life of their liabilities. This is referred to as their preferred habitat. • They can only adjust to other habitats if they are offered an extra return (incentive) to leave their habitats. • If this theory is correct, premiums will exist for maturities where there is insufficient demand. • These premiums are necessary to induce investors to leave their preferred habitat. 44 • For example, if there is a large number of firms issuing long- term debt relative to the number of investors interested in the long-term debt, supply exceeds the demand for the loans. In order to attract more investors to buy the bonds the firms must increase the interest rates on the long-term bonds. i.e., the firms must offer a premium on the long-term debt. • If many firms and institutions wish to issue short-term debt and there are few investors who wish to invest short-term, a premium will have to be offered on short-term debt. • Proponents of this theory believe that short-term investors are more prevalent in the fixed-income market and therefore, longer-term rates tend to be higher than short-term rates. • But short-term rates can be higher than long-term rates occasionally. 45 Conclusion • Each of the above explanations or theories embodies an element of truth. • The whole truth is probably some combination of them all. 46
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Winnipeg Free Press - PRINT EDITION
Locking up Ladd should be first order of business
THEY don't have a name or a logo, jersey colours or an official GM.
But Winnipeg's NHL franchise might already have its first contract/market test case.
Team captain and leading scorer Andrew Ladd is scheduled to become a restricted free agent this summer and while negotiations had been cruising along this spring with the previous ownership, the deal never got completed before the team was sold to True North Sports & Entertainment. Interestingly, GM Rick Dudley did not negotiate player contracts with the Thrashers, meaning the Ladd deal could fall in the lap of Moose GM Craig Heisinger.
"We were negotiating in Atlanta for the better half of the second part of the year," said Ladd. "We were having good talks and then we got to the point where all this ownership stuff was going on so it got put on the backburner and we haven't really talked since the end of the year.
"We've got to get back to Atlanta, pack up all our stuff and then find a place to live in Winnipeg. But with everything going on it would be nice to have the go ahead and plan some things. We'll see what happens."
Said TSN's Bob McKenzie on the Ladd case: "He's one year away from unrestricted free agency, and is currently a restricted free agent. He's got a great arbitration case if he decides to go that route, and could do very well there. He can essentially decide if he wants to make a long-term commitment to the team now that it is in Winnipeg, and if he does that, it will be a wonderful way to pave the future. But if he decides he would rather play somewhere else, then that sets it off in the other direction."
HOME-ICE ADVANTAGE AGAIN? Centre Tim Stapleton can't wait to suit up in front of consistently rabid crowds here in Winnipeg. Why? Well, Atlanta wasn't exactly a place that struck fear into opposition teams.
"In Atlanta... great city, the weather was great and we had support from the diehard fans but it just wasn't enough," Stapleton said. "Last year we were lacking so many fans sometimes it was almost like a road game and we had no home-ice advantage. This year we can use that. There's going to be a lot of pressure, too, but it's going to be good.
"I played against Manitoba when I was in the minors so I know that it was, by far, the best road trip. I don't know much about the city because we were always in and out of there. But I know the hockey environment was always exciting and the fans are diehards and there's a great tradition of hockey there with the old Jets."
FOR SALE: Spotted on eBay -- 'Game Used Puck From the Final Atlanta Thrashers Win; Own This Piece of Hockey History Winnipeg Jets.'
The puck, featuring a New York Rangers logo, is apparently from the Thrashers 3-0 victory over the blueshirts on April 7.
As of Wednesday afternoon there were 13 bids with the price at $76.
PETITION CENTRAL: All those fans wishing for True North to adopt the old 'Jets' nickname should check out: http://www.gopetition.com/petition/39649.html where over 7,200 fans have signed up in support of the old moniker.
Republished from the Winnipeg Free Press print edition June 2, 2011 C3
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The ongoing debate about the risks and benefits of cloud computing, long predicated on hypothetical applications conjured by technology consultants and market analysts, is being disrupted by real-life case studies.
The concept of cloud computing, in which organizations access applications owned and managed by a third party, has been trumpeted by some as a way to improve technology services without a huge investment in technology infrastructure and management staff. Meanwhile, others have raised questions about the privacy and security ramifications.
The latest news on cloud computing offers plenty of fodder for both proponents and critics.
Obama administration officials have been big advocates for cloud computing from early on and endorsed the concept in their first budget proposal. They gave cloud computing another vote of confidence earlier this month by announcing that Recovery.gov, one of the administration's flagship transparency projects, was moving to the cloud.
"Clearly, there are some parts of government operations that don't belong on a cloud platform," writes Sam Diaz, a blogger at ZDnet. "But something like Recovery.gov is a good example of places where government can trim the fat and operate more efficiently."
The General Services Administration has decided that e-mail is another good example. GSA officials recently announced they wanted to move the agency's massive e-mail system, which supports 18,500 accounts, to the cloud.
They say the system could grow to as many as 30,000 users as the agency's workforce expands in the coming years, which could pose a problem for the current system's aging infrastructure.
"With the growth, storage is increasing, which compounds the system's costs to manage and maintain it," writes Matthew Weigelt on FCW.com. Also, GSA wants to improve its process for finding e-mail messages quickly when legal action requires it. With the existing infrastructure, e-mail messages are not archived in a consistent fashion, agency officials say.
But the security and privacy concerns of moving to the cloud aren't easily dismissed.
Earlier this month, the Treasury Department had to shut down four cloud-based Web sites after malicious code infected servers at the Bureau of Engraving and Printing. AVG Technologies discovered the breach about nine hours after the code first appeared, according to a report by William Jackson at GCN.com.
Another cautionary tale comes from the University of California at Davis. Officials recently announced that they were abandoning plans to outsource e-mail for its 30,000 faculty and staff members to Google, reports Paul McDougall at InformationWeek.
According to a letter obtained by InformationWeek, many members of the faculty "expressed concerns that our campus' commitment to protecting the privacy of their communications is not demonstrated by Google and that the appropriate safeguards are neither in place at this time nor planned for the near future." Therefore, the university no longer plans to outsource e-mail services, the letter states.
The buzz about cloud computing continues unabated. But at least the focus has changed from market hype to real-life concerns. "This means we're getting down to the business of building, deploying and using cloud computing technology and not spinning like tops to make sure we're relevant in the market," writes blogger David Linthicum at InfoWorld.
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It is a tool with specific capabilities and qualities. IT professionals must understand those qualities - especially the risks associated with security. And, must managed those risks objectively and ignore the hype as with any other technology.
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Quentin Tarantino's recut of Inglourious Basterds is one minute longer than the Cannes version, and much improved. It's a gorgeous movie with a great eclectic soundtrack crammed with everything from Ennio Morricone to a brilliant use of David Bowie's "Putting Out the Fire." (Trivia question: what mo...Read More »
Post-Twilight, Comic-Con comes of age. And yet, it can be risky to chase after that fan buzz. Memorable duds in Hall H include The Spirit and Zathura. When a movie isn't working, the fans sniff it out. But when it does--300 and Superman Returns are vivid examples--they turn up to see the movie in dr...Read More »
Quentin Tarantino comes back to Michael Fleming with details on his final cut of Inglourious Basterds--one minute longer, or 2:32 including end credits--reminds that he had final cut up to 2:48, admits he listened to Universal's David Linde and TWC's Harvey Weinstein, who are both under pressure to deliver hits, but took his own course. As he told me in Cannes, he added a scene with the Brit soldiers played by Michael Fassbender and Mike Myers before the sequence at La Louisiane. He's not worried about adult films pulling audiences, and cites Public Enemies' strong opening as a positive sign. (Let's see the second weekend drop.) And Tarantino...Read More »
My initial story was correct: Quentin Tarantino is not cutting the shit out of Inglourious Basterds. GQ grills Harvey Weinstein about the final cut:Read More »
So far, with the exception of Jackie Brown (based on an Elmore Leonard novel) Quentin Tarantino has preferred to direct and write originals. While he has exec-produced a few things and been tempted by the odd Speed Racer or James Bond, he has never rarely succumbed to adaptation temptation.Read More »
The real problem with The Weinstein Co. isn't the economy or debt restructuring issues, although that does not help. The Weinsteins are running out of time, because since they launched TWC in 2005 with plans for investor Goldman Sachs & Co. to raise $500 million in equity and $500 million...Read More »
Who came out ahead and behind on their Cannes jaunt this year?Read More »
In my interview with Quentin Tarantino, he admits that he plans to go back to the editing room with Inglourious Basterds this June. He rushed the movie, getting it done in less than a year to make Cannes, and delivered a cinephile's fantasy:Read More »
As Cannes wound down, writer-director Quentin Tarantino sat down for an interview about his long-awaited World War II opus, Inglourious Basterds. We talked about issues of structure, length and purpose:Read More »
Nowhere but Cannes would 2500 media urgently assemble in one place to see a movie at 8:30 AM. As Quentin Tarantino himself said at the jam-packed Inglourious Basterds press conference, "There's no place like Cannes for filmmakers on the face of the earth. It's Cinema Nirvana during this time here on the Riviera. Cinema matters. It's important. Even when people boo --out of passion--it's not just images glazing over you. All the world film press on the planet earth, America, Finland, Iceland, Greenland, even Canada--that's a country--something about them all being here, you drop the movie--bam!--at once everyone weighs in at the same time...I'...Read More »


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RECIPE: Choc Bread Pudding ??
Going thru an old Bon Appetit I thought this may be good. Since I have never tasted bread pudding can anyone give me hints on which type of bread to use. And for coarse crumbs do you shred by hand? TIA
Chocolate Bread Pudding
2 C. milk
3 oz. unsweetened choc. chopped
3 C. fresh coarse white breadcrumbs
4 eggs
3/4 C. sugar
2 oz. unsalted butter
1 tsp. vanilla
1/2 tsp. cinnamon
1/4 tsp. salt
1 C. whipping cream
1/4 C. Kahlua
Preheat oven to 325 F. Butter 10-cup souffle dish.
Scald milk; reduce heat to low; add chocolate & stir til melted.
Place breadcrumbs in large bowl & pour in melted choc. mixture.
Whisk together eggs, sugar, butter, vanilla, cinnamon & salt.
Whisk in cream and Kahlua. Pour over breadcrumb mixture.
Stir to combine. Transfer to souffle dish. Bake about 1 hour.
Pudding will be puffed up and center almost set. Serve warm.
Iris, I've never before seen a bread pudding recipe that called for breadcrumbs.
Most recipes tell you to tear the bread in small pieces. And to soak them in the milk/egg mixture for awhile, so that the bread actually absorbs the custard.
Traditionally, bread pudding is made with white or egg breads, as Ginger notes. But any bread will work---after all, bread pudding is just a way of using up semi-stale bread in the first place. And if you're going to turn it into crumbs, as in the above recipe, what possible difference can it make?


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700-748 Clopper Road
Gaithersburg, Maryland, 20878
Commute to Downtown Gaithersburg
Some errands can be accomplished on foot.
Score Details
700-748 Clopper Road has a Walk Score of 69 out of 100. This location is Somewhat Walkable so some errands can be accomplished on foot.
700-748 Clopper Road is a 13 minute walk from the MARC BRUNSWICK - WASHINGTON and the 202 GAITHERSBURG - FORT MEADE bus at the METROPOLITAN GROVE MARC eb stop.
This location is in Gaithersburg. Nearby parks include Browns Station Park, Diamond Farm Park and Seneca Creek State Park.
Nearby schools include Brown Station Elementary School, Gaithersburg Presbyterian Preschool & Kdgn and Diamond Elementary School.
The closest grocery stores are Gourmet Grog, Malabar Indian Mart and Taste of Europe Inc.
Nearby coffee shops include Einstein Bros Bagels, Starbucks and Panera Bread. Nearby restaurants include Quincy's Bar & Grille, Buffalo Wild Wings and Jds Shanghai Famous Food.
700-748 Clopper Road is near Robertson Park, Community Square / Kid Zone and Christman Park.
Explore how far you can travel by car, bus, bike and foot from 700-748 Clopper Road.
Rail lines:
0.4 mi
Bus lines:
61 Shady Grove-Germantown Transit
0.1 mi
56 Rockville-Lakeforest
0.1 mi
71 Shady Grove-Kingsview Park and Ride
0.1 mi
78 Shady Grove-Kingsview Park and Ride
0.1 mi
0.4 mi
Car shares:
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Popular apartment searches include pool, fireplace and fitness.
This location is in the city of Gaithersburg, MD. Gaithersburg has an average Walk Score of 48 and has 59,933 residents.