text:
Chapter 4 International Business Transaction: The Balance of Payments The Goals of Chapter 4 • Explain what the balance of payments (BOP) is • Study how to analyze BOP • Discuss the relationship between the BOP and the gross domestic product (GDP), the exchange rate, the interest rate, and the inflation rate • Introduce the history of the degree of the capital mobility and the mechanisms for capital movement (postponed until I teach Ch 3) 4-2 The Balance of Payments 4-3 The Balance of Payments • The measurement of different forms of international economic transactions between the residents of a country and foreign residents is called the balance of payments (BOP) (國際收支帳) (Note that the resident is a economic concept, and it includes individuals, firms, nonprofit communities, and the government) • BOP influences and is influenced by other variables, such as gross domestic product (GDP), employment levels, price levels, exchange rates, and interest rates • Government policymakers need the data of BOP to evaluate the general competitiveness of domestic industries, to set the exchange or interest rate, to determine the monetary and fiscal policy, etc. 4-4 The Balance of Payments • BOP data is also important for MNEs as it is a gauge of a nation's competitiveness or health • For a MNE, both home and host country BOP data is important because: – BOP is an indication of pressure on a country's foreign exchange rate – Change in a country's BOP may signal the imposition or removal of controls in various sorts of payments, e.g., removal of the capital outflow control may reduce the balance of the financial account in BOP – A forecast of a country's market potential (especially in the short run), e.g., a country with trade deficit may welcome investments that can increase its exports 4-5 Typical BOP Transactions • Each of the following represents an international economic transaction that is counted in and captured in the U.S. BOP: – A U.S. subsidiary of a foreign MNE acts as a distributor for the MNE's products in the U.S. market – A U.S.-based firm manages the construction of a major water treatment facility in a foreign country – The U.S. subsidiary of a foreign firm pays profits (usually by distributing dividends to shareholders) back to the parent firm in its home (foreign) country – A Mexican lawyer purchases a U.S. corporate bond through an investment broker in the U.S. 4-6 The Accounts of the BOP ※ The classification of accounts of the BOP in this chapter follows the definition of the International Monetary Fund (IMF) ※ Because the IMF is the primary sources of statistics for BOPs, its terminologies are more wildly accepted ※ In fact, this system is also used by the Organization for Economic Cooperation and Development (OECD) and United Nations System of National Accounts (UNSNA) 4-7 The Accounts of the BOP • The BOP is composed of three primary accounts, the Current Account, the Capital Account, and the Financial Account • In addition, the Official Reserves Account tracks government currency transactions • The fourth account, the Net Errors and Omissions Account, is produced to preserve the balance of the BOP – Later, I will introduce the theoretical double-entry bookkeeping rule of the BOP, and you will understand that BOP should balance – However, it is impossible to record all international transactions associated with a nation, so in practice the organizations to produce BOP reports collect national data for different accounts separately, which could result in the imbalances of the BOP 4-8 The Current Account • The Current Account (經常帳) includes all international economic transactions with income or payment flows occurring within the current year. It consists of the following four subcategories: – Goods trade • The export and import of goods • The most traditional international economic activities • The current account is typically dominated by this component, which is known as the Balance of Trade (BOT) (貿易帳) – Services trade • The export and import of services • Including financial services provided by banks to foreign importers and exporters, travel services of airlines, and construction services of domestic firms in other countries • For the major industrial countries, like the U.S., this subaccount grows fast in the past decade 4-9 The Current Account – Income • The dividend income from subsidiaries is the income receipts • The wages and salaries paid to nonresident workers are income payments – Current transfers • The change in ownership of real resources or financial items is called a transfer • Any transfer between countries that is one-way–a gift or grant– is termed a current transfer • For example, funds provided by the U.S. government to aid a less-developed nation, or money sent home by migrants and permanent workers abroad ※Although the information of balance of trade (BOT) is so widely quoted in the business press in most countries, this number is somewhat misleading for large industrialized countries because the service trade is not taken into account 4-10 U.S. Trade Balance & Balance on Services & Income, 1985-2007 (billions of US$) ※ The U.S. goods trade balance has been consistently negative, but has been slightly offset by the continuous surplus in the balance of services trade 4-11 The Current Account • The deficits in the BOT of the U.S. in the past two decades have been wildly debated since merchandise trade is the original core of international trade • Reasons for the deficits in the BOT of the U.S. – Relatively high income in the U.S. creates the import demand – The price of the imported products after passing the exchange rate is cheaper, which may be caused by that many trading partners of the U.S. adopt the policy of depreciating their currency against US$ to maintain the competitive power in the U.S. market – The biggest bilateral deficits are with China and Japan, which maintain relative weakness of their currencies by buying massive amounts of U.S. dollars (usually investing in Treasury bonds) while selling corresponding amounts of their own currencies 4-12 The Current Account – FYI, at the end of 2009, Japan and China held the largest amount of Treasury bonds in the world, each of which owns 768.8 billion and 755.4 billion US$, respectively – Later, you will see the above actions will increase the cash inflow for the financial account and thus cause the surplus of the financial account of the U.S. • The deficit in the BOT results in the decline of heavy traditional industries in the U.S. (steel, automobiles, automotive parts, textiles) • The consistent surplus in the services trade account may be from travel and passenger fares, transportation services, expenditures by foreign students pursuing studies in the U.S., telecommunications services, financial services, etc. 4-13 The Capital and Financial Account • The capital account is made up of capital transfers related to the purchase and sale of fixed assets such as real estates, plants, or equipment, etc. – If a U.S. firm purchases a building in another country, this is a cash outflow in the capital account of the U.S. • The capital account has been introduced as a separate component in the IMF's balance of payments only recently • The magnitude of capital transaction is relatively minor, so we include it in principle in the following discussion of the financial account 4-14 The Financial Account • The financial account in the balance of payments measures all international economic transactions of financial assets • The financial account is classified into three components, depending on the degree of investor control over the assets or operations – Direct Investment – in which the invested financial assets exerts some explicit degree of control over the real assets – Portfolio Investment – in which the invested financial assets has no control over the real assets – Other Financial Investment – consists of bank deposits, various short-term and long-term trade credits, cross- border loans, currency deposits,, and other A/R and A/P related to cross-border trade 4-15 Direct Investment • This is the net balance of capital dispersed from and into the U.S. for the purpose of exerting control over real assets • If U.S. investors hold 10% or more of the voting shares in a foreign company, that company is considered the foreign affiliate of a U.S. company, and this investment is classified as a direct investment • The source of concern over foreign direct investment in any country focuses on two topics: control and profit 4-16 Direct Investment • Some countries possess restrictions on foreigners to own assets in their country, e.g., domestic land, assets, and industry should be owned only by residents of the country • However, the U.S. has few restrictions on what foreign residents or firms can own or control assets in the U.S. • As for profit, the concern of possible profit outflow may limit the foreign investment in some countries – There are evidences indicating that foreign firms in the U.S. reinvest most of their profits in their U.S. business (at a higher rate than domestic firms in the U.S.) • The capital inflow in the form of direct investment is generally welcomed in the U.S. due to the possible increase of jobs, production, services, technology, etc. 4-17 Portfolio Investment • This is the net balance of capital that flows in and out of the U.S. but does not reach the 10% threshold of direct investment • The purchase of debt securities across borders is also classified as portfolio investment because debt securities by definition do not provide the buyer with ownership or control • Portfolio investment is motivated by a search for returns rather than to control or manage the asset • The motivating forces for portfolio investment flows are only return and risk, so the series of the flow of portfolio investment is less predictable (Exhibit 3.5) 4-18 Financial Account Balances for the United States, 1985-2007 (billions of US$) 4-19 Transaction Bookkeeping in BOP • Before introducing the net errors and omissions and reserves accounts in the BOP, the theoretical bookkeeping process for BOP is introduced first • There are three main elements of the actual process of recording international economic activities: – Identifying what is and is not an international economic transaction (definition on Slide 4-4 and examples on Slide 4-6) – Understanding how the flows of goods, services, assets, and money create debits and credits to the overall BOP – Understanding the bookkeeping procedures for BOP accounting • The rule of thumb aids the understand of BOP accounting: "Follow the cash flow." – Credits (+) (貸方): cash inflow – Debits (–) (借方): cash outflow 4-20 Transaction Bookkeeping in BOP • Ex 1: The U.S. exports $2mil. goods to the U.K., and 1) the importer in the U.K. pays the money into the account of the U.S. exporter in the U.K.; or 2) the importer in the U.K. uses the money in its account in the U.S. to pay the bill ※ Export of goods to foreign country will bring cash inflow for the U.S. in the account of Export of goods in Current Account 1) The increase of deposits of U.S. firms in foreign banks means a cash outflow for the U.S in the account of Other financial items in Financial Account 2) The decrease of deposits of foreign firms in U.S. means a cash outflow for the U.S in the account of Other financial items in Financial Account Debit (–) Credit (+) Export of goods in CA $2mil. Other financial items in FA $2mil. 4-21 Transaction Bookkeeping in BOP • Ex 2: The U.S. imports $6mil. services from the U.K., and 1) the importer in the U.S. pays the money into the account of the U.K. exporter in the U.S.; or 2) the importer in the U.S. use the money in its account in the U.K. to pay the bill ※ Import of services from foreign countries will cause a cash outflow for the U.S. in the account of Import of services in Current Account 1) The increase of deposits of foreign firms in U.S. banks means a cash inflow for the U.S. in the account of Other financial items in Financial Account 2) For the U.S., drawing money from U.K. banks by its residents means a cash inflow in the account of Other financial items in Financial Account Debit (–) Credit (+) Import of services in CA $6mil. Other financial items in FA $6mil. 4-22 Transaction Bookkeeping in BOP • Ex 3: The U.S. government transfers $1mil. goods as a grant to Nicaragua ※ Export of goods to foreign country should bring cash inflow for the U.S. in the account of Export of goods in Current Account ※ Transferring $1mil. goods as a grant to foreign country means a cash outflow for the U.S. in the account of Transfers in Current Account Debit (–) Credit (+) Export of goods in CA $1mil. Transfers in CA $1mil. 4-23 Transaction Bookkeeping in BOP • Ex 4: A U.K. firm purchases $5mil. U.S. Treasury bonds and pays the money from its accounts in the U.S. banks ※ Purchasing U.S. Treasury bonds, which is a portfolio investment, brings cash inflow for the Net portfolio investment in Financial Account of the U.S. ※ The decrease of deposits of foreign firms in U.S. banks means a cash outflow for Other financial items in Financial Account in the U.S. Debit (–) Credit (+) Net portfolio investment in FA $5mil. Other financial items in FA $5mil. 4-24 The BOP as a Flow Statement • The BOP is often misunderstood as many people infer from its name that it is a balance sheet, whereas in fact it is a cash flow statement – It does not add up the value of all assets and liabilities of a country on a specific date (as an individual firm's balance sheet would do) • By recording all international transactions over a period of time such as a year, it tracks the continuing flows of purchases and payments between a country and all other countries • According to the above double-entry bookkeeping rule, the BOP must balance theoretically 4-25 Net Errors & Omissions/Official Reserves Accounts • The official reserves account (or foreign exchange reserves) (外匯存底) is the total reserves held by official monetary authorities within the country • These reserves are normally composed of the major currencies used in international trade and financial transactions (so-called hard currencies like the U.S. dollar, Euro, British pound, Japanese yen, gold, or SDRs) • Since the data of the current, capital, financial, and official reserves accounts are collected and recorded separately or there are possibly illegal transfers, errors could occur and thus the BOP may not balance in practice • The net errors and omissions account ensures that the BOP actually balances 4-26 The U.S. BOP from 1998-2007 There is a surplus on the basic balance, which + : cash inflow means a net cash inflow of (demand) 45 billion US$ to the U.S. – : cash outflow (supply) The U.S. government uses its official reserves to buy 2 billion US$, i.e., it creates a net demand of 2 billion US$ by purchasing US$ with its official reserves in the exchange rate markets The U.S. government sells 4 billion US$ in exchange for increasing official reserves, i.e., providing net supply of US$ by using US$ to purchase foreign currencies Basic balance 4-27 The Analysis of BOP 4-28 Fixed and Float Exchange Rate Regimes • Fixed exchange rate regime – The domestic currency, guaranteed by the government, is convertible into a fixed amount of a foreign currency, a basket of currencies, or another measure of value, such as gold – Devaluation (revaluation): A deliberate downward (upward) adjustment to a country's official exchange rate, also called the parity rate, relative to other currencies – In a fixed exchange rate regime, only a decision by a country's government (i.e., the central bank) can alter the official value of the currency • Float exchange rate regime – A currency's value is allowed to fluctuate according to the demand and supply in the foreign exchange market – Depreciation (appreciation): refers to a drop (increase) in the foreign exchange value of a floating currency 4-29 The BOP in Total — Surplus • A surplus in the BOP net cash inflow for the domestic country foreign residents demand the domestic currency to pay the cash to the domestic residents the demand of the domestic currency exceed the supply of the domestic currency • The domestic currency has the pressure to appreciate • If the government wants to maintain the fixed exchange rate, it can intervene the market by selling its own currency in exchange for other currencies and thus building up its stores of hard currencies, i.e., its foreign exchange reserves – Selling its own currency causes a cash outflow (supply) which diminishes the surplus in the BOP 4-30 The BOP in Total — Deficit • A deficit in the BOP net cash outflow for the domestic country domestic residents demand the foreign currency to pay bills to foreign residents an excess supply of the country's currency in foreign exchange markets worldwide • The domestic currency has the pressure to depreciate • To maintain the fixed exchange rate, a government can intervene the market by purchasing it own currency at the expense of its foreign exchange reserves to support the domestic currency value – Buying its own currency causes a cash inflow (demand) which offsets the deficit in the BOP 4-31 Official Reserves Accounts • The significance of official reserves depends generally on whether the country is operating under a fixed exchange rate regime or a floating exchange rate system – In a fixed-rate system, the government decides the fixed exchange rate, also called the parity rate, to exchange for other foreign currencies – For excess supply (demand) of the domestic currency, to prevent the value of the domestic currency from falling (rising), the government should spend its official reserves (domestic currency) to purchase the domestic currency (official reserves) to support (calm down) the value of the domestic currency – Under a floating-rate system, governments have no such responsibility and the role of official reserves is diminished 4-32 Current and Financial Account Balance Relationships • Since the BOP should balance, it is possible to infer the inverse relation between the current account and the financial account, which are the two major accounts in the BOP • In the examples on Slides 4-21 and 4-22, it is found that the double-entry bookkeeping in theory requires that the current and financial accounts offset for each other • Intuitively, countries experiencing current account deficits "finance" these purchases through equally large surpluses in the financial account (like the U.S.) – For the U.S., both real and financial assets possessed by foreigners increases, the country become a "net debtor" – On the other hand, for Japan, the current account surplus is matched against a financial account deficit 4-33 Current and Financial/Capital Account Balances for the U.S., 1992-2007 (billions of US$) ※ The above figure shows the inverse relationship between the balances of the current account and the capital/financial account in the U.S. 4-34 Current and Financial Account Balance Relationships • The surplus or deficit in the current account cannot be the signal for the performance of the economy – For the U.S., the well investment environment attracts capital and financial investments and this cash inflow finances the deficits in the current account – For Latin America • In 1980s, there was surplus in the current account, but the pessimistic prospects of the economy caused deficits in the capital and financial accounts • In 1990s, there are better expectations of the future economy, so there are surpluses in the capital and financial accounts, but together with the deficits in the current account – For rapidly growing countries (countries in recession), importing more (less) goods and services will decrease (increase) the balance of the current account or even generate deficits (surpluses) in the current account 4-35 The China BOP from 1998-2007 There is a surplus on the basic balance, which means a net cash inflow of + : cash inflow US$437 billion to China (demand) – : cash outflow The China government (supply) sells Renminbi equivalent to 461 billion US$ in exchange for increasing official reserves, i.e., providing net supply of Renminbi by using Renminbi to purchase foreign currencies ※ Due to maintain the fixed exchange rate or said to diminish the appreciation pressure, the China government intervenes foreign currency markets by issuing more Renminbi to purchase foreign currencies ※ The results are the increase of foreign exchange reserves and a possible inflation problem 4-36 Current and Financial Account Balance Relationships for China • The double surplus in China – Surpluses in both the current and financial accounts is called the double surplus phenomenon – This unusual phenomenon reflects how exceptional the growth of the Chinese economy is – Although the current account surplus should create a financial account deficit, the positive prospects of the Chinese economy have drawn such massive capital inflows in recent year and thus the financial account becomes in surplus • The underestimated value of Renminbi strengthens the capital inflows • This phenomenon also reflects that China is a world factory– attract international capital, build factories, produce goods, and export them 4-37 Current and Financial Account Balance Relationships for China – The China government conduct a lot of intervention to maintain its balance of payment and thus the relatively fixed exchange rate against the U.S. dollar – The appropriate solution is to allow the Renminbi to float and appreciate. However, it is not in line with China's current political plan 4-38 The BOP Interaction with Macroeconomic Variables 4-39 The BOP Interaction with Key Macroeconomic Variables • A nation's balance of payments interacts with nearly all of its key macroeconomic variables • Interaction means that the BOP affects and is affected by key macroeconomic factors such as: – Gross Domestic Product (GDP) – Exchange rates – Interest rates – Inflation rates 4-40 The BOP and GDP • In a static (accounting) sense, a nation's GDP can be represented by the following macroeconomic accounting identity: GDP = C + I + G + X – M where C = consumption spending I = capital investment spending G = government spending X = exports of goods and services M = imports of goods and services X – M = the sum of balances of the first two subaccounts in the current account, which is close to the total balance on the current account and thus used to "approximate" the balance on the current account 4-41 The BOP and GDP • In the same period, a positive current account balance (surplus) contributes directly to increasing the measure of GDP, but a negative current account balance (deficit) decreases GDP • Taking multiple periods into account – GDP ↑ disposable income ↑ consumption ↑ import ↑ balance of current account ↓ – GDP ↑ capital investment ↑ export ↑ balance of current account ↑ ※Thus, in a dynamic sense, the relationship between GDP and balance of the current account is uncertain ※BTW, GDP↑ capital investment ↑ employment rate ↑ (could be offset by the foreign sourcing, i.e., the import of cheaper goods and services from foreign countries), so the BOP also influences the employment rate 4-42 The BOP and Exchange Rates • A country's BOP can have a significant impact on the level of its exchange rate and vice versa, depending on that country's exchange rate regime • In fact, the value of BOP has predicting power for exchange rates on the long-term trend, but performs poor on the short-term movement • Fixed Exchange Rate Countries – Under a fixed exchange rate system, the government is responsible to ensure that the BOP is near zero by intervening markets and matching the demand and the supply of the domestic currency – When there is a deficit for the overall balance, if the country run out of foreign exchange reserves, it will be unable to buy back its domestic currency and will be forced to devalue 4-43 The BOP and Exchange Rates • Floating Exchange Rate Countries – Under a floating exchange rate system, the government has no responsibility to peg its foreign exchange rate – Surplus on the BOP currency appreciation price of export goods ↑, price of import goods ↓ export ↓, import ↑ BOT ↓ BOP ↓ – Deficit on the BOP currency depreciation price of export goods↓, price of import goods↑ export ↑, import ↓ BOT ↑ BOP ↑ ※Thus, the floating exchange rate regime can adjust the BOP automatically – However, the effect of the change of the exchange rate will not affect the BOP in the right direction immediately – For deficits in the BOP, the effect of currency depreciation will let the deficits get worse in the short run, but moves back toward equilibrium in the long run (J-curve effect discussed later) 4-44 The BOP and Exchange Rates • Managed Floating Regime – Countries adopting this regime have desired exchange rates, but they allow the exchange rate to derivate from the desired level to some extent – They often find that it is necessary to take action to maintain their desired exchange rate levels – In addition to intervening the foreign exchange market, they usually try to alter the exchange rate by influencing the motivations of market participants – For example, to deal with the depreciation pressure from the deficit in the BOP, governments may raise domestic interest rate to attract additional capital from aboard, which creates additional demand for the domestic currency and alleviates the depreciation pressure (in the meanwhile, diminishes the deficit in the BOP) 4-45 The BOP and Interest Rates • Apart from the use of interest rates to intervene the foreign exchange market, the overall level of a country's interest rates compared to other countries DOES have impact on the financial account of the BOP • Relatively low real interest rates should normally stimulate an outflow of capital seeking higher rates elsewhere • In the case of the U.S., even with low real interest rates, the opposite has occurred due to perceived growth opportunities and political stability, which allows it to finance its large fiscal deficit • However, it is beginning to appear that the favorable inflow on the financial account is diminishing while the current account balance is worsening 4-46 The BOP and Inflation Rates • The effect of increasing imports – Due to the comparative advantage theory in international trade, imports of goods and services are usually cheaper and have the potential to lower a country's inflation rate – Imports ↑ balance on current account ↓ BOP ↓ ※If the BOP declines with the increase of the import, the inflation rates may decrease in the meantime – In addition, imports ↑ foreign competition substitutes for domestic competition domestic production ↓, employment rate ↓ GDP ↓ (this argument is consistent with the macroeconomic accounting identity, i.e., imports ↑ GDP ↓) 4-47 Trade Balances and Exchange Rates J-Curve Adjustment • A country's import and export of goods and services are affected by changes in exchange rates • The transmission mechanism is in principle quite simple: changes in exchange rates change relative process of imports and exports, i.e., changing prices in turn result in changes in quantities demanded through the price elasticity of demand 4-48 Exhibit 4.8 – The J-Curve Effect ※ There are three stages to adjust the deficit of the balance of trade ※ The adjustment path of the trade balance is like the shape of a flattened "J" ※ In the pass-through period, import prices ↑ and export prices ↓ due to the currency depreciation (explained on the next slide) ※ In the quantity adjustment period, import demand ↓ and export demand ↑, so the balance of trade–exports less imports–improves eventually 4-49 Trade Balances and Exchange Rates J-Curve Adjustment • The reason why the sudden depreciation of the domestic currency deteriorates the trade deficit immediately in the J-curve adjustment – Most exports were priced in US$, but most imports were contracts denominated in foreign currency – Sudden depreciation: because all the contracts of exports and imports are in effect and the cost to U.S. importers rise as they spent more dollars to buy foreign currencies, whereas the revenues earned by U.S. exporters remain unchanged, it deteriorates the trade deficit immediately • The "J-curve" adjustment path gives the reason that many countries, e.g., Taiwan in 1997, adopted the devaluation strategy to improve the trade balance 4-50
Pages to are hidden for
"Ch04"Please download to view full document


text:
HAVE: Crystal Springs Experiment Station Extravaganza
lindamarieAugust 26, 2004
This is a great gardening event coming up in October
Anyone out there planning on attending?
They have great seminars, gardens to tour and vendors with plants to buy.
I can bring plants to swap and meet your there.
This is only a mile away from my house

subset: commoncrawl


text:
Enjoy this article? You may also be interested in these related items from our partners
The New York Times offers an article which looks into how the Walt Disney Company has attempted to reach out to a market many feel it has been neglecting over the years while competition has stepped it up. Read it here.


text:
Showing 119 Results for tim tebow
NFL 2011 Season – Week 15 Recap
What? Colts win? Packers lose?
Many sportstalk shows around the country were wondering which would happen first: An Indianapolis Colts win or a Green Bay Packers loss.
The answer? The same day.
Donald Brown rushed for 161 yards and a touchdown and Dan Orlovsky won his first game as a starter in his NFL career as the Colts dealt the Tennessee Tit
NFL 2011 Season – Week 15 Preview
Five division titles are yet to be determined as the 2011 NFL schedule enters its final weeks. Three AFC teams have an opportunity to join the Houston Texans by clinching a playoff spot with a victory this week. Meanwhile, the Green Bay Packers can clinch home-field advantage through the NFC title game with a win. Here's a preview of all of this week's remaining games:
Lindsey Vonn — Crush of the Day [PICTURES]
Lindsey Vonn is not dating Tim Tebow. She wants everyone to know she is not dating Tim Tebow. Tim Tebow did not break up Lindsey Vonn's marriage. Especially because he is "saving himself" for marriage.
NFL 2011 Season – Week 14 Recap
Last-second finishes decided several key games as the 2011 NFL entered its final stretch. Here's a recap of all the NFL scores and action from Sunday:
N.Y. Giants 37 – Dallas 34
Eli Manning led two touchdown drives in the final six minutes, and the New York Giants beat the Dallas Cowboys 37-34 on Sunday night
NFL 2011 Season – Week 14 Preview
A key NFC East matchup highlights the NFL schedule for week 14, while several division leaders in the AFC look to take another step closer to the playoffs. Here's a preview of this week's NFL games:
Sunday, December 11
Kansas City Chiefs at New York Jets – 1:00 PM
Kansas City (5-7) will start Tyler Palko at quarterback, while Kyle Orton allows his dislocated finger to heal. Palko didn't
One Ridiculous Tim Tebow Tattoo
Bill Cosby Is A Tim Tebow Fan
Bill Cosby likes Tim Tebow. So how can anyone not like the Denver Broncos quarterback!?
Cosby is great! Loved him in "Fat Albert", the "Cosby Show", and even "Cosby".
Wish I could be in Denver, on March 31, to see him.
Here, Cosby explains that he likes Tebow, and the Broncos, because they play "foot...ball...Boom!...Boom!"
Aren't we stretching it a little when we ask Tebow to give us a good day weather-wise though?
I wonder if Cosby saw our video last week of Joe Kapp going at it with Angelo Mosca?


text:
You are currently signed in as .
0 Items in Your Cart
Vault Guides are THE source for insider insight on career information and employer reviews. Shop Vault Guides
Industries & Professions /
A significant part of a pediatrician's job is preventive medicine—what is sometimes called "well care." This involves periodically seeing a patient for routine health checkups. During these checkups, the doctor physically examines the child to make sure he or she is growing at a normal rate and to look for symptoms of illness. The physical examination includes testing reflexes, listening to the heart and lungs, checking eyes and ears, and measuring height and weight.
Are you a student? You may have free accesss to Vault's premium content.
Contact your Career Center, Alumni Office or Library to find out more.
Complete your Vault Profile and get seen by top employers


text:
Police report preview - Feb. 9 to Feb. 15
Here is this week's police report preview. The entire report can be found on Page 4A of this week's print edition.
A shoplifter was caught at a store in the 1700 block of Frontage Road at 10:54 a.m. on Feb. 13.
The man had concealed a shirt and left the store.
The suspect had just been released from the Dakota County Jail the day before. He was arrested and taken back to jail.


text:
Zhena's Gypsy TeaEdit Company
Popular Teas from Zhena's Gypsy TeaSee All 85 Teas
Recent Tasting Notes
I'm done with zhenas I think :( the tins are so pretty but the teas are always meh. The raspberry is really fragrant in the cup which is great, the Black tea doesn't leave too bitter an aftertaste unless overbrewed. The bergamont almost undetectable. Overall pretty meh.
Teeny Tiny TTB Round 2
This is it, the very last one. I enjoy chamomile and some bedtime blends, so I pulled this sample out of the box to try later. I've seen Zhena's teas before at TJ Maxx and wondered whether they were any good or not, I guess it's time to find out! I can't really see what's inside the bags (they're the round style, like Republic of Tea) but I can tell there's chamomile for sure. Dry scent is chamomile with a touch of mint and some sweetness. After looking at the description, I think it was the coconut I was smelling. Once I poured the water over, I could see that there's green rooibos in there as well. I used two bags for my 10-ounce cup.
The steeped tea has a pleasant herbal scent, and I can definitely smell the chamomile as well as the mint and a bit of coconut. Yum, I actually quite like this. It certainly has a very herbal flavor, there's something in here that's reminding me of dill perhaps? The mint and coconut work nicely in balancing that herbal taste with some sweetness. Nothing overpowers anything else, making this a nicely balanced sleepytime blend. Nice.
Flavors: Cinnamon, Coconut, Hay, Herbs, Mint, Sweet
I have been experimenting with different kinds of chai to figure out which one I like better for my chai tea lattes. This is pretty dang good although I haven't quite gotten the tea to milk ratio (I used coconut milk). It reminds me of the holidays and winter. I love this tea. (: Once I have gotten the right ratio, I will update my rating.
Supposed to be a mild vanilla tea with hints of double dose of cinnamon, clove, nutmeg with brown sugar. Don't be fooled. I steeped for a long time and still can only taste the light vanilla flavor. I wouldn't throw out the tea, but I would not buy it again. Looks good on the counter, that's about it.
Updated: Yes, I did throw this out. I think the glass container was worth more than the tea.
Flavors: Vanilla
This is actually much better than I was expecting—thanks to NayLynn for the bags! The coconut in this is creamy and on-point, and the spices are mostly cardamom and a hint of clove. That's okay with me, because I think too much ginger would overpower everything else. It's not a traditional chai, but because of that it's unique enough that I can see myself reaching for it reasonably often until it's gone.
I got this tea in a sampler tin from Kroger. The packaging caught my eye, but I ended up buying it because the flavors sounded heavenly.
I found this tea to be very earthy and it balanced out the mint. Neither was too overwhelming. It was a chilly day where I live, so this was a treat for me. It tastes like it would be a good pick-me-up, even though it doesn't have very much caffeine in it. I would recommend this to anyone that loves a good mint tea.
Flavors: Earth, Green, Mint
This is the one I was most looking forward to (in the Zhena sampler). Maybe since I had such great expectations for it is why I didn't give it a high rating. I smells RICHLY RASPBERRY, it tastes… I don't quite know how to describe it. That taste… it switches back from sweet, rich raspberry to watery raspberry to an aftertaste of earl grey very quickly. SO I went from YUUUMM to meh to MMMMM in every sip. Does that make sense? This is one that probably only be had hot and sweetened to keep the raspberry flavor going with the black tea richness.
Flavors: Raspberry
By far my favorite of the sampler and officially one of my favorite green teas ever. It is just so smooth and soothing. What first caught my attention was the ingredient list. ONLY THREE INGREDIENTS!!! Recognizable and pronounceable ones at that. Green tea. Peppermint. Licorice root. I never would have thought peppermint and green tea would make a good combo. This is a match made in heaven. Or should I say "matcha"… Tea puns aside no sugar needed and not the least bitter even after a 3.5 minute steep.
Flavors: Licorice, Peppermint
I see (or rather I smell) why it is called that. It smells heavenly. Like walking through an area of plum trees. Light, airy, fruity. The taste is only a hint of that, it is more bitter than anything else. Not like when you steep a green tea too long bitter, more like bite into watermelon rind bitter. So it's bittersweet. Literally. I only steeped for 2.5 minutes (2-3 is the recommended time on the tin). Sugar makes it so much better and you can really tastes the plum.
Flavors: Plums
Nice, tame blend of chamomile and citrus. I added more orange peel, though, because I really like orange and felt it need more. This is the second best chamomile tea I've ever had with my little modification. Plus it helps me relax/sleep.
Flavors: Licorice, Orange
This is my favorite from the sampler that I got. It's light and sweet and well balanced. Exactly what you'd want from a mint flavored tea.
The green tea base is nice and not astringent, and the mint plays nice.
Good for a mid-morning cuppa, to supplement the morning java jolt.
Today when I made this, I get toasted coconut, sweet plum, and vanilla. Last time I made it, I could taste licorice, but today I gave it a shorter steep time.
Yummmm! This is one blend by Zhena's that hasn't let me down. Trying to sip down this sampler set from them.
Flavors: Coconut, Plums, Vanilla
Okay, I actually do like this one. Phew!
It tastes sweet and fruity. I'm getting notes of toasted coconut, plum blossom, and licorice. Interesting.
Again, I'm glad I don't have a whole canister of it, but I wouldn't mind drinking this one again. It leaves a pleasant taste in the mouth. Good plain, excellent with a little honey.
Flavors: Coconut, Licorice, Plums
Tried this one again. Bumping up my rating.
I think I oversteeped it last time. I remember the raspberry and the black base being very acid-like and not pleasant, but today it was much mellower.
Still not getting much bergamot. It's a nice idea in theory, but in practice, raspberry and bergamot tend to be two dominant flavors, so they don't really play nice together. In this case, the raspberry tackles the bergamot and sits on its chest, wrestling-style.
This'll never be a favorite, but it's certainly accessible as a work tea.
Flavors: Raspberry
I did not go into this one with great expectations. The dry teabag smelled revoltingly like cough syrup.
Once steeped, it smelled a lot like raspberry and not a lot like bergamot. But not unpleasantly so.
Sipping… Tastes like cough syrup.
Not impressed with this Zhena's sampler so far.


text:
New IKEA Ringskar faucet suddenly leaking!
(cross posted this on the ikeafans site--apologies to anyone who reads both)
I've been using my new kitchen for a couple of weeks with no problem. I had a contractor install the cabinets, counter, and sink and they hooked up the disposal, dishwasher and sink plumbing.
Everything was working fine until this evening. I was rinsing dishes and loading the dishwasher. Pushing the hose back up into the faucet seemed balky, then I noticed that the amount of water coming out of the faucet didn't seem like the usual flow. Then I noticed a LOT of water coming out from under the dishwasher which I'd just started. In a panic, I looked inside the sink cabinet--even MORE water.
It is pouring down from where the connector hose meets the faucet. And the faucet itself is loose where it connects to its base above the counter. Not real loose but definitely wiggly. I cannot use the faucet at all until this is fixed.
Is this a known problem with Numerar faucets?? Do they work loose? Or does it sound like my contractor didn't install it correctly? I think they had problems hooking it up because there was almost no clearance between the sink and cabinet, but they didn't say anything to me about it. We didn't part on the best of terms (many, many small issues that added up, not the least of which was stuff like I just mentioned) so i'm hoping it's not something they're responsible for, simply because I don't ever want to deal with them again!
Oh, and I just noticed that the dishwasher is also leaking slowly when the sink faucet is off.
Trebuchet, thanks for the pithy advice. However, after researching this in the light of day, turns out that that would void the terms of the warranty. I have to report it to IKEA's customer service first and go from there.
In case anyone is interested, this is where the thing is loose and wobbly, though the water is pouring out from underneath, not leaking from this gap at all. *shrug*
Do you still have the installation manual? Is there some adjustment that can be made at this spot?
Also, I'm assuming that you saw this at the IKEA web site, re installation and especially the connectors.
I suppose the big question is whether your plumber/installer has experience with IKEA faucets.
Here is a link that might be useful: Ringskar installation
Thanks, nosoccermom. I did read the installation instructions several times. I had a plumber that i'd used in the past scheduled to come but he missed the part about me having moved to another county and he isn't licensed here. So I had to find someone else.
Lucky for me, the new plumber stopped by to give a free estimate before I hired him to do the job and all it was was a loose nozzle on the pull-down faucet! According to him, this is a very common occurrence with pull-down faucets (not just IKEA's, either), probably from twisting it a tiny bit every time it's pulled down or pushed back up...? Anyway, it took him 5 seconds to tighten it and there was no charge (other than a good review on Angie's List!).
HUGE relief here. Why my original contractor didn't inform me of this possible explanation when I asked what might be wrong, I dunno. The people at IKEA didn't know anything about it either.
All's well that ends well. I'm just going to try to remember to check it weekly for loosening.
Great that this was such an easy fix, and how nice that the new plumber didn't charge you 80.00 or whatever the going rate is. I asked because we had a similar issue with a faucet. Husband insisted that it's the design. Well, a quick Internet search showed how to tighten the part.
Are you in MD?


text:
53 Views
By jhazz
31 Views
26,793 Views
By Videobash
Curious Cat Interrupts Push-Ups
116 Views
By Videobash
Weight Lifting Vs Body Weight Exercises for Men...
3,812 Views
By fnicklaus
479 Views
By David Done
The Myth of Body Weight Exercises
197 Views
673 Views
By HardBodies
POPSUGAR Fitness - Get the Bod: Zoe Saldana's U...
102 Views
By hulu
Dare to Do 50 Push Ups - SpinJordan (Music Video)
188 Views
By Muzu
Sgt. Bilko (1996): Faking Push-Ups
699 Views
By AnyClip
Work Out - Rebecca's Advanced Push-Ups Season: 2
283 Views
By hulu
56 Views
By CBS
25 Ways to Do a Push Up, Body Weight Exercises...
38 Views
By: Metacafe Affiliate U
167 Views
By: Metacafe Affiliate U
Body Weight Exercises : Body Weight Exercises:...
138 Views
By: Metacafe Affiliate U
FitSugarTV - Tabata Mash-Up Workout: Squats and...
128 Views
By hulu
7-year-old Does 4,000 Push-ups, Sets Record
107 Views
By CBS
22,081 Views
By HardBodies
FitnessDTV Effective Exercises Push Up Jacks
37 Views
The Best Horizontal Pulling Exercises
786 Views
Bootcamp Exercises Personal Trainer Guernsey
317 Views
Free Weight Exercises For Arms and Shoulders Pa...
61 Views
By jhazz
Home Workout with Bodyweight Exercises
568 Views
By: Metacafe Affiliate U
Workout at Home: Body Weight Exercises - Upper...
213 Views
By Fitbritz
Bodyweight Exercises Workout Programs Best Work...
17 Views
The Revolution - Exercises Built for Two Season: 1
53 Views
By hulu
The Revolution - Swimsuit in 20 Days: Abs Exerc...
152 Views
By hulu
The Dramatic Sorceress, Acting Exercises
148 Views
By Muzu
The Hands That Rock the Cradle, Acting Exercise...
170 Views
By Muzu
Joint Military Exercises in Jordan Send Signal...
12 Views
By CBS
Here are 8 types of push ups you can do to add variety to your fitness program.
Please comment and rate.
Thank you for watching!


text:
About On Products & Pixels
Sign in / Sign up
On Products & Pixels
Design writing.
Simple is Never Simple
How many times has someone said, I just want a simple solution?
Lauren Von Dehsen
Mar 3, 2014
2 min read
Designing for Dormancy
An intricate nuance in the Internet of Things.
Lauren Von Dehsen
Feb 27, 2014
5 min read
How to Make an Isometric Grid in Adobe Illustrator
Follow me or talk to me on twitter, linkedin or dribble.
Ryan Allen
Feb 2, 2014
5 min read
How to give constructive design feedback over email
Tips for designers and non-designers that will make everyone happier
Julius Tarng
Oct 21, 2013
5 min read
Design the Product, Not the Documentation
The need for designers to stay engaged from concept to launch.
Lauren Von Dehsen
Oct 20, 2013
3 min read
How to Work with Designers
A Cheat Sheet for Engineers and PMs
Julie Zhuo
Aug 15, 2013
7 min read
Design Rhetoric Bulls**t
The word "user experience" makes me involuntarily cringe.
Sabrina Majeed
Jun 24, 2013
2 min read
What kind of a designer are you?
No! I said…what kind of a designer are YOU?
Tuhin Kumar
May 7, 2013
5 min read
Exposure vs. Isolation
Which environment will better allow me to grow and thrive as a designer?
Sabrina Majeed
Apr 26, 2013
3 min read


text:
Sign Up
Login or Register
It's hard to believe, but Bashar al-Assad once presented himself to the world as Syria's modernizer.
Australia's debate on asylum seekers shows how easy it is for politicians to appeal to fear of invading hordes.
The prime minister's announcement that he will leave Italy's top spot early could throw Europe into chaos.
Kathryn Bigelow's Osama bin Laden movie doesn't endorse torture.
The leader of the British Labour Party emerges as a true political leader
The fall of the Assad regime looks inevitable. The United States and NATO must step in to ensure a peaceful transition.
Come the January 22 Israeli elections, the current prime minister will almost certainly keep his title, but with a sharp turn to the far right.
He can't bring himself to fold and toss his cards into the muck.
Taco Bell, Burger King, McDonalds, and Walmart are already party to the worker-protection contract the targeted fast-food chain refuses to sign.
The legacy of slavery and prescribed gender roles continues to rob millions of their fair share.


text:
A row of smiling faces
Two of the Three Musketeers, Jacob Sickler, left, and Matt Neiman, get ready to place two dozen lit jack-o'-lanterns on disc golf baskets for a night disc golf tournament Saturday at Young's Park. The tournament and costume party was sponsored by the Dickinson Disc Golf Club. Today, a regional disc golf tournament will be played at Lake Patterson.
Get the full story
Subscribe or Log In
Are you a newspaper subscriber but you don't have a Digital Access account yet? Activate your account.
You will need your subscription account number and phone number. Not sure if you have an account? Call (701) 225-8111 and we can help you.


text:
Know your
Cuisines: International
Good for: Alcohol available, Pork served
Facilities and services: Open for lunch, Non smoking, All major credit cards accepted
Price: Dhs 350-500
Timings: Open daily 6.30pm-midnight
Location: Hilton Dubai Creek, Deira, Dubai Show map
Tel: +971 4 212 7551
Review: Show full review
A selection from the Friday brunch event, served as an evening edition. Dhs335 (selected beverages). Dhs395 (sparkling grape). Dhs550 (bubbly). 7pm - 10.30pm @Legends
Pricey, yes, but this brunch is something that everyone should try at least once. Aside from the great views of the creek, with the fantastic French fare. Dhs242 (children aged six-12); Dhs485 (soft drinks); Dhs680 (sparkling grape); Dhs750 (bubbly) @Traiteur
Get two for-one paella and Spanish beverages (excluding sparkling grape). From Dhs55 per person @Casa de Tapas
This Spanish restaurant offers cold and hot tapas, cold cuts, cheese, plus paella, fideuà and a traditional Spanish roast. Dhs149 (soft drinks). Dhs199 (selected beverages). Dhs249 (bubbly) @Casa de Tapas


text:
Safariland at SHOT Show 2008
For more than 25 years, Safariland Armorwear has consistently produced the most technologically advanced bullet-resistant products for law enforcement, defense and government communities around the world. We continue our quest to develop high-tech market offerings and custom products for end-users facing unique threat situations around the world.
Join the discussion
Be the first
to comment
to comment
Safariland at SHOT Show 2008
PoliceOne top 5
- 1 P1 Humor Corner: 25 signs that you're a cop
- 2 Video: Actress apologizes after dash cam refutes claim her son was racially profiled
- 3 Wis. trooper, suspect, motorist killed in shootings
- 4 Video: Ariz. cop escapes death as gunman attempts to sneak up behind him
- 5 Suspect dead, 8 cops injured in Ariz. melee


text:
Green / Sustainable hotels – searching for the ideal Green / Sustainable hotel never been easier with our comprehensive online hotel directory. Take a look at our great range and compare room rates of Green / Sustainable Chennai hotels. All you have to do is:
Search for Green / Sustainable hotels in Chennai Choose the perfect Chennai Green / Sustainable hotel and view room rates, hotel description, customer reviews and quality photos. Securely book your Chennai Green / Sustainable hotel room online today! Receive email confirmation for your online booking and hotel reservation details.
Green Hotels in Chennai
See Chennai Green / Sustainable hotels on a map
Explore Chennai
Chennai travel guides
Chennai Travel Guide - Your destination overview of Chennai, India
The Indian city of Chennai, formerly known as Madras, is a major industrial center and the capital o...
Chennai Travel Tips - Helpful hints and advice on local destination information

Due to the vast array of different cultures residing in the city, Chennai is a cosmopolitan city....
Chennai Shopping Guide - Find where and what to shop and buy

Chennai is gradually emerging as one of India's top shopping destinations. The city offers immens...
Popular with travellers from New Zealand
- Most booked
Radisson Blu Resort Temple Bay Mamallapuram
Excellent 4.3 / 5 ( 89 reviews )
36 people looked at this hotel in the last hour
Most recent review
"Excellent hotel with good hospitality, food, ambeince, plantation,longest swimming pool. Except that high tea was not up to the mark. They need to improve upon it."
A Traveller, Feb 2015, IN
Vivanta by Taj - Connemara, Chennai
Excellent 4.4 / 5 ( 71 reviews )
55 people looked at this hotel in the last hour
Most recent review
"Chennai is a very busy town so this hotel provides respite from that. It is positioned near Spencer Mall and Express Mall which is helpful if you have last minute items to buy. The surrounding area is difficult to navigate by foot so tuk-tuk/taxis are necessary. You will find this the case in nea..."
A Traveller, Jan 2015, GB
The Gateway Hotel IT Expressway Chennai
Excellent 4.2 / 5 ( 5 reviews )
14 people looked at this hotel in the last hour
Most recent review
"Hotel is rather new so everything was in tip top condition. What is outstanding though is the service. Hotel staff (be in at the front desk or at the restaurants) are attentive and observant down to the details. Even though I had checked out in the morning, I was offered a room to shower and fres..."
A Traveller, Feb 2015, SG


text:
The U.S. Will Registry is highly respected by attorneys, the public, charities and financial institutions. Registering your Will ensures if your Will is lost, misplaced or presumed never written, the location can still be identified when needed.
Studies show that 67% of Wills are never found. It is a fact that not being able to Locate a Will Will causes unlimited and potential financial loss for a family or beneficiaries. If your Will, or the most recent Will, cannot be found after your death, then your assets will be distributed in accordance with the state intestacy laws, not the way you had intended.
The lifetime registration of your Will remains confidential. Only when the necessary documentation is provided (i.e., death certificate) will the information then released.
To register your Will, simply click on the Register My Will link. Will link. Will link. Keep in mind, the actual Will is no registered, only the location.
Your Will should be reviewed regularly for changes or updates.
If you would like to locate an attorney who specializes in Trust or Will Reviews, Click here
We are affiliated with over 225 organizations and most estate attorneys throughout the country.
If you would like to find out if there is a free promo code for an affiliated organization or your attorney please email us at
email@example.com for your free discount code.
Contact us for any questions:
Ph. 888-388-6877
Fax: 888-388-0581
Email: email@example.com


text:
You may have noticed things look a little different around here - we've switched to a new platform (XenForo) and have some new forum styles and features. This how-to guide will help you find your way around. If you find anything that looks strange, post it in this thread.
Anyone Good at taking laptops apart??? G60Jx
Discussion in 'ASUS Gaming Notebook Forum' started by bayport, Sep 24, 2011.


text:
The Devil Made Me Do It
10 Feb 2006 – 07 May 2006
This first survey of Jason Greig's foreboding, otherworldly landscapes, seascapes and figures reveals a sinister side of the human psyche.
Jason Greig Seven Years of Labour for the Instruments of Time 2003. Collection of the artist
About this Exhibition
The Devil Made Me Do It surveys printmaker Jason Greig's monoprints over the past 13 years. His haunting imagery centres around malevolent, sinister characters – alienated souls occupying mysterious landscapes and dramatic seascapes. Greig portrays the dark side of the human psyche where macabre forces of darkness rule in the shadows.
Seascapes: Greig's seascapes capture a sense of the romantic age of exploration and discovery. His old world sailing vessels feel as though they are venturing into the unknown, seemingly lost on the high seas at the mercy of dramatic, brooding oceans. Other works combine quietly menacing figures and sailing vessels where the meaning remains ambiguous.
Landscapes: The landscapes in Greig's monoprints often have dreamlike qualities where the scenes, many of which are like fantastic movie sets, are of an ambiguous, eerie nature. Often there is a feeling of trespassing into an unknown domain where impressive landscapes threateningly dominate figures.
Figure Studies: Greig's studies of sinister, violent characters evoke a sense of tension and suspense. These are menacing creatures, some being hybrid or part animal, part human, others with flayed skin or femmes fatale. Highly imaginative, they are the invention of the artist and inhabit ominously primeval and hostile worlds.
Curated by: Peter Vangioni
Current Exhibitions
David Cook Christchurch 1983 (detail). Photograph. Reproduced courtesy of the artist
David Cook: Meet Me in the Square
31 Jan 2015 – 24 May 2015
209 Tuam Street
Peter Stichbury NDE, 2013. Acrylic on linen. Courtesy Tracy Williams, Ltd. New York
Peter Stichbury: NDE
Christchurch Art Gallery Te Puna o Waiwhetu
Richard Killeen The inner binding (detail) 2012. Translucent vinyl. Courtesy of the artist. A Christchurch Art Gallery Outer Spaces project in association with Christchurch City Libraries
Richard Killeen: The Inner Binding
Central Library Peterborough


text:
I have used UMLBuilder to install a Redhat8.0 image
onto my Redhat8.0 machine. I use ./control start and
everything seems fine, it asks me to add some devices
during the kudzu portion but then after it starts atd
successfully and it is about to start local I get
nothing...its usually at that point I get an install prompt
but nothing happens...once I got ld "so" respawning too
fast and it forcing it to wait five minutes just to do it
agian. Thank you if anyone has heard of this.
Shaun Baker
Roger Binns
Logged In: YES
./control start single will start you in single user mode where
you can investigate what is happening. If you built your own
UML then you will also have issues if you left out terminal types.
I suggest posting on the umlbuilder mailing list.
Roger Binns


text:
Strofoam Stone
marquest(z5 PA)March 7, 2012
This is the styrofoam stone I mentioned in another post.
They cut stryofoam glued it together with outdoor caulking and covered with motar, outdoor paint, and final 2 coats of poly.
I love the look of that!
I love the look of that!
Several years ago I used a stryofoam rectangular
box, spray painted it lightly with gray paint,
and it looked like a concrete planter.
Not as great as the colors on this!


text:
StyleWatchI Really Love My: Rita's Earrings and More Star Faves!
Check out Rita Ora's edgy ear bling, Sofia Vergara's luxe sunnies and more styles stars can't get enough of
More from PEOPLE
Latest News!
- Wait Until You Read What Martha Stewart Said to Justin Bieber at His Comedy Central Roast
- The Best Photos from the Week of Mar. 23- Mar. 29, 2015
- Mother Allegedly Smothers Her Child in NYC Restaurant Bathroom
- Iggy Azalea Talks Britney Spears Duet: Grabbing Lunch, Becoming Friends
- Cate Blanchett on Watching Her Three Sons Bond with Baby Edith: It's Extraordinary


text:
Just spent 5 days at the surf lodge. Excellent experience. Mike's team is top notch. They have every aspect of a surf trip down to a science. Friendly, efficient, professional, cool, mellow, experts. The food is excellent. The lodge is spotless and very comfortable. The setup is ideal... their boats take you wherever it is breaking best for every session,... More
- Also Known As:
- Dale Dagger Surf Lodge Nicaragua/Playa Gigante


text:
Cabbage Seed
Cabbage Seed
- Viewing All
Derby Day CabbageCB150
(Golden Acre) 58 days. This Territorial-selected strain grows very rapidly in the chill of spring, and can hold up to 5 ...
Danish Ballhead CabbageCB155
125 days. Another old-time favorite with good winter field-holding abilities. Danish Ballhead produces well-protected, s...
January King CabbageCB158
160-210 days. Developed in northern Europe, January King is a very winter-hardy cultivar. The green, slightly flattened ...Sold Out For 2015
Autumn Into Winter Harvest BlendCB159
Harvest mid-July to December. Coming in behind the Late Summer varieties, this unique mix of ballheads and sweet savoys ...Sold Out For 2015
Viewing All


text:
3 of 77 Items
Searched for: manhattan ghost
Apache Indians
Ghost dance
Indians of North America -- Clothing & dress
Indians of North America -- Spiritual life
Sackett & Wilhelms Litho. & Prt. Co.
Reports and serial publications, as well as unbound and ephemeral material.
The Picture Collection of the New York Public Library
Mid-Manhattan Library / Picture Collection
All Any
Image ID: 826697
Apache medicine hat used in ghost dance.
Permalink (click to copy):
Embed this image (click code)


text:
Help finding a square dining room table NOT counter height, 30'
I have a smaller area and want to find a table that I can fit in there that can seat at least six but hopefully 8 people. I figured a square table that is about 54" x 54" would be pretty much perfect. Ideally I would like an "expresso" color. But I want it to be the standard 30" height, not counter or bar height. Please help!!
Probably have to get it built for you. Not much demand for 54" square tables as the project far into the room on the corners and folks can't pass food across the table without coming out of their chair. A seating position is typically 24" minimum, so that means legs far outboard or a center pedestal to seat 8.
Arhaus sells a few square dining tables. The Colonial is my favorite, but the also have a couple that can expand. The seat 8 people really comfortably. I wish i had the space for it, but no such luck.
Here is a link that might be useful: Square table
Simply Amish has one and they will customize any of their tables.
Here is a link that might be useful: Simply Amish online catalog


text:
Call our certified SCUBA Instructors
Mon - Sat - 8AM - 6PM PST
These were a wonderful addition. I was concerned about the "one size fits all", but they fit fine. After two days of diving without the socks, I had blisters starting. I switched to wearing the socks for the remainder of the trip, and my feet and ankles recovered. These are also a great help for slipping into wetsuits and boots!
Was this review helpful? Yes No
227 out of 411 people found this review helpful.
Very comfortable fit and true to size in chart. Would recommend to others.
Was this review helpful? Yes No
202 out of 443 people found this review helpful.
Wonderful stuff! Everyone on our boat used it during our trip to Grand Cayman.
Was this review helpful? Yes No
110 out of 223 people found this review helpful.
Corporate Office: Scuba.com, 1752 Langley Avenue, Irvine CA 92614
US and Canada call toll free
International callers please dial 001.949.221.9300


text:
VIEWS: 22 PAGES: 3 CATEGORY: Press Releases POSTED ON: 1/18/2011
NEW YORK & LONDON--(EON: Enhanced Online News)--Positive economic sentiment has helped drive investor appetite for global equities to its highest level in 3 1/2 years, according to the BofA Merrill Lynch Survey of Fund Managers for January. A net 55 percent of asset allocators say that they are overweight global equities, the highest reading since July 2007. It represents a significant increase from December when a net 40 percent was overweight the asset class. At the same time, bond allocations a style='fon
BofA Merrill Lynch Fund Manager Survey Finds Surge in Support for Equities Investors Forecast, but Do Not Yet Fear, Higher Inflation January 18, 2011 09:33 AM Eastern Time NEW YORK & LONDON--(EON: Enhanced Online News)--Positive economic sentiment has helped drive investor appetite for global equities to its highest level in 3 1/2 years, according to the BofA Merrill Lynch Survey of Fund Managers for January. A net 55 percent of asset allocators say that they are overweight global equities, the highest reading since July 2007. It represents a significant increase from December when a net 40 percent was overweight the asset class. At the same time, bond allocations fell. A net 54 percent is underweight bonds, up from a net 47 percent a month ago. Behind this rise is growing confidence in the global economy and corporate profits. A net 55 percent of investors expect the world's economy to strengthen in 2011 with 39 percent predicting "above trend" growth in the coming 12 months, the highest reading since the question was introduced in February 2008. A net 57 percent believes that corporate profits will rise 10 percent or more this year, up from 45 percent in December. A growing majority expects global inflation to increase this year – a net 72 percent in January, up from a net 48 percent two months ago. But higher inflation is not seen necessarily as a threat. A net 42 percent of investors believe monetary policy is "too stimulative," fewer than in November. "The combination of growth optimism and a benign view towards higher inflation provide a potent case for equity investment," said Gary Baker, head of European Equities strategy at BofA Merrill Lynch Global Research. "Investors believe monetary easing is working; in the absence of either tighter policy or weaker data, equity enthusiasm looks contagious," said Michael Hartnett, chief Global Equity strategist at BofA Merrill Lynch Global Research. U.S. and Japan sentiment improves; emerging markets decline Growing belief in U.S. equities, already evident in December's survey, has firmed significantly this month. A net 27 percent of the global panel is now overweight U.S. equities, the highest reading since November 2008 and surpassing December's level of a net 16 percent. A net 15 percent of the panel would like to overweight U.S. equities more than any other region, up from a net 7 percent in December. A net 43 percent expects the U.S. dollar to appreciate versus the euro or the yen on a trade- weighted basis, up from a net 14 percent two months ago. Japan has also benefited from improved sentiment. Global investors have moved overweight Japanese equities for the first time since May 2010 and for only the fifth month in 3 1/2 years. A net 5 percent of the global panel is overweight Japanese equities, compared with a net 29 percent being underweight in November. Domestic Japanese sentiment is strengthening. A net 57 percent of respondents to the regional Japanese survey expect the country's economy to improve this year, up from a net 42 percent in December. Sentiment has improved steadily since September last year when there was an even split between those predicting a stronger economy and those expecting weakness. Global emerging market support remains high but has continued to decline. A net 43 percent of asset allocators are overweight GEM equities, but this is lower than the net 56 percent two months ago. A net 20 percent of investors want to overweight GEM equities more than any other region. This reading has slipped from a net 31 percent in December. These lower readings come as belief in China's economic prospects has eroded. A net 19 percent of respondents to the regional survey say that China's economy will weaken this year. Two months ago, a net 16 percent forecast a stronger Chinese economy. Commodities investment, a bellwether for emerging market optimism, has fallen with a net 16 percent of asset allocators overweight the asset class compared with a net 22 percent a month ago. This fall comes despite the fact that commodities traditionally benefit when investors expect higher inflation. European investors feel New Year joy European fund managers have started 2011 in stronger spirits. The proportion of the panel predicting a stronger European economy has leapt to a net 44 percent from a net 26 percent last month. An increasing number believe European companies will deliver improved earnings in 2011. This optimism comes as global concerns about EU sovereign debt fund risk have fallen away from the highs of December. Survey of Fund Managers A total of 199 fund managers, managing a total of US$562 billion, participated in the global survey from 7 January to 13 January. A total of 169 managers, managing US$412 billion, participated in the regional surveys. The survey was conducted by BofA Merrill Lynch Research with the help of market research company TNS. Through its international network in more than 50 countries, TNS provides market information services in over 80 countries to national and multi-national organizations. It is ranked as the fourth-largest market information group in the world. The BofA Merrill Lynch Global Research franchise covers over 3,200 stocks and 880 credits globally and ranks in the top tier in many external surveys. Most recently, the group was named 2010 Top Global Broker (second consecutive year), Top Europe Broker, No. 2 U.S. Broker and No. 3 Asia broker by Financial Times/StarMine. The team was also named Best Brokerage by Forbes/Zacks for the second consecutive year. In addition, the group was named No. 1 in the 2010 Institutional Investor All-Emerging Europe and All-Latin America Research team surveys and No. 3 in the 2010 Institutional Investor All-America Equity, All-America Fixed Income and All-Europe Research team surveys. The group was also the winner of the Emerging Markets' magazine EM Research Global Award for 2010. Bank of America Bank of America is one of the world's largest financial institutions, serving individual consumers, small- and middle- market businesses and large corporations with a full range of banking, investing, asset management and other financial and risk management products and services. The company provides unmatched convenience in the United States, serving approximately 57 million consumer and small business relationships with approximately 5,900 retail banking offices and approximately 18,000 ATMs and award-winning online banking with 29 million active users. Bank of America is among the world's leading wealth management companies and is a global leader in corporate and investment banking and trading across a broad range of asset classes, serving corporations, governments, institutions and individuals around the world. Bank of America offers industry-leading support to approximately 4 million small business owners through a suite of innovative, easy-to-use online products and services. The company serves clients through operations in more than 40 countries. Bank of America Corporation stock (NYSE: BAC) is a component of the Dow Jones Industrial Average and is listed on the New York Stock Exchange. Bank of America Merrill Lynch is the marketing name for the global banking and global markets businesses of Bank of America Corporation. Lending, derivatives, and other commercial banking activities are performed globally by banking affiliates of Bank of America Corporation, including Bank of America, N.A., member FDIC. Securities, strategic advisory, and other investment banking activities are performed globally by investment banking affiliates of Bank of America Corporation ("Investment Banking Affiliates"), including, in the United States, Merrill Lynch, Pierce, Fenner & Smith Incorporated, which is a registered broker-dealer and a member of FINRA and SIPC, and, in other jurisdictions, locally registered entities. Investment products offered by Investment Banking Affiliates: Are Not FDIC Insured * May Lose Value * Are Not Bank Guaranteed. www.bankofamerica.com Contacts Reporters May Contact: Rinat Rond, Bank of America, 1.646.855.3152 email@example.com Tomos Rhys Edwards, Bank of America, +44.20.7995.2763 email@example.com Permalink: http://eon.businesswire.com/news/eon/20110118006273/en/BofA-Merrill-Lynch/Fund-Manager- Survey
Pages to are hidden for
"BofA Merrill Lynch Fund Manager Survey Finds Surge in Support for Equities"Please download to view full document


text:
on After Effects, Final Cut Pro, AVID and much more.
Posts Tagged 'glass'
The Science Behind Nikon Lenses
Lens aficionados – learn how Nikon lenses are crafted in this video animation.
Three DIY Teleprompter Builds
Build a handy teleprompter on the cheap! In these 3 tutorials you'll learn how to create a prompter from inexpensive and readily available supplies.
10 Things to Know About Shooting with Vintage Lenses
Vintage lenses are growing in popularity, here are 10 things you should know about them.
Why You Should Be Investing In Fully Manual Lenses
Most DSLR shooters are accustomed to working with electronic lenses, but there are a handful of great manual lenses out there (old and new) that can provide even better results with many added benefits.
Free Glass Presets for Adobe After Effects
Check out these free glass presets for After Effects courtesy of our friends at Lens Distortions.
Shattered Glass Tutorial in Adobe After Effects
Check out this informative tutorial for creating shattered glass in After Effects without 3rd party plugins – great for a video intro or trailer!


text:
Keeping fountain water fresh and safe for butterflies
I have a recirculating fountain as part of our butterfly garden. I have some large rocks in it to allow a safe place for butterflies to sit and drink. However, the water tends to get kinda slimy after a week or two. I know there are chemicals you can put in the water to prevent that from happening. But obviously I don't want to harm the butterflies either.
So I was curious is others have found a way to treat fountain water without harming the butterflies?
Butterflies are used to encountering slimy water in nature. They do not drink water anyway. They may dab at a damp fountain or rock surface, looking for minerals, but they have no use for standing water.
I do not know if treated water that splashes and wets fountain rocks would harm the butterflies.
How often do you see butterflies landing on the fountain, and do they linger there?


text:
Hastings aims to make Hawke's Bay a solar capital. READ MORE
Should we export water from the Heretaunga aquifer? READ MORE
We need a health action plan involving all sectors. READ MORE
Stakeholders unite to launch HB biodiversity rescue strategy. READ MORE
Adding another dimension to Hawke's Bay's diversity. READ MORE
Amalgamation advocacy begins in earnest, with commentary by Chris Tremain, Rebecca Turner, Chris Joblin, and Di Petersen. READ MORE


text:
Three minute interview from local TV news from Wednesday, April 14, 2010. The topic is allergies and pollen
Loading more stuff…
Hmm…it looks like things are taking a while to load. Try again?
TM + © 2015 Vimeo, LLC. All rights reserved.
Made with k in NYC.
Your content preferences apply to any Vimeo videos you view. Learn more about content preferences in our FAQ.


text:
18 Great Thanksgiving Dessert Recipes
By: Emily Racette, Editor, AllFreeCasseroleRecipes.com
We are adding the recipe to your Recipes.
The recipe was added to your Recipes.
Click here to view your Recipes.
People look forward to Thanksgiving dinner all year long. A dinner with this much hype can't be followed by some ho-hum dessert. It needs to be spectacular. Here's a list of 8 Great Thanksgiving Dessert Recipes that are worthy enough to be eaten after that beloved turkey. Included, are recipes for classic Thanksgiving pies with a twist, yummy pumpkin options, and dishes where a traditional Thanksgiving vegetable takes center stage in a dessert. These Thanksgiving dessert recipes are sure to be gobbled up by your family, so make sure they're on the menu this year.
18 Great Thanksgiving Dessert Recipes
Table of Contents
Pecan Pie Variations
Pecan pie is one of the most popular Thanksgiving dessert recipes out there. Pies can be a lot of work, however, and after slaving away in the kitchen all morning, the idea of making one does not sound pleasant. Not to worry. Here are a few simpler pecan recipes.
Thanksgiving Pecan Pie Bars (pictured)
Pecan Pie Bars taste just as delicious as pecan pie but take a lot less time to make. Plus, you can eat it with one hand instead of with a fork!
This Thanksgiving dessert recipe is baked in a skillet, which is always fun. The cake is made with buttermilk and is light and fluffy. The topping contains pecans and pralines and is so warm and gooey you will fall in love at first bite.
Don't worry about making a pie crust on a busy day like Thanksgiving. Opt for these easy peasy dessert bars that taste just like pecan pie!
For a unique spin on the traditional pecan pie, try this variation that includes an easy 2-ingredient chocolate sauce.
Bread pudding is an excellent alternative to many traditional Thanksgiving desserts. This bread pudding has flavors of pecan pie and is the perfect warm, comforting treat after dinner.
Everyone knows that dessert is one of the most important things on your Thanksgiving table, but you can't forget about side dishes! Find quick and easy recipes in this free eCookbook, Easy Thanksgiving Recipes: 14 Thanksgiving Side Dishes.
Pumpkin Recipes
At the top of the list of Thanksgiving dessert recipes is pumpkin pie. It's special because it's a seasonal food and it tastes delicious. You can never have too much pumpkin at Thanksgiving.
This pumpkin pie variation has everything the pie has (crust and filling) plus a rolled oats and ginger topping. You could serve this and pumpkin pie and both would be completely gone by the end of the night.
Pumpkin Pull-Apart Monkey Bread
Pumpkin Pull-Apart Monkey Bread is a Thanksgiving dessert recipe that will be a kid favorite. Like the name says, you just pull off a piece and eat. The pumpkin bread is topped with a sweet, maple glaze that will keep kids and adults coming for seconds.
Here's a Thanksgiving dessert recipe that is rich and creamy and has just the right amount of sweetness. It's simple to make, and with all that work you're going to do for dinner, a simple and delicious dessert recipe is just the ticket.
For a Thanksgiving dessert that will be sure to wow all of your guests, try this easy pumpkin pie recipe. The last thing you need is something else taking up room in the oven. What's great about these individually-portioned desserts is that you don't have to bake them!
Chocolate and pumpkin are great on their own, but what happens when the two come together is pure magic. These dessert bars are an easy way to get a sweet treat on the table in a pinch.
Ooey Gooey Caramel Pumpkin Blondies
Nothing says "fall" quite like the combination of caramel and pumpkin. Instead of the usual pumpkin pie, these pumpkin blondie bars will mix things up. These delectable treats have great presentation, so they'll look just as good as the pie you would've made.
Better than Pumpkin Pie Poke Cake
All of the rich flavors of pumpkin pie, like warm cinnamon and nutmeg, are present in this easy cake. The difference is that this poke cake recipe takes it a step farther. It has touches of caramel and a cream cheese whipped topping for even more festive flavor.
Pumpkin Upside-Down Cake (pictured)
If you like pineapple upside-down cake, you'll love this recipe. Instead of pineapple, this upside-down cake recipe uses a homemade pumpkin filling for a taste that's right at home for Thanksgiving. It looks so elegant, too!
Sweet Potato Desserts
Sweet potatoes are a sweeter Thanksgiving side. They're sometimes so sweet it's a wonder they're not considered desserts. Here are a few recipes that actually are labeled as desserts.
Sweet Potato Bars with Toasted Marshmallows
The marshmallows are broiled until brown but still retain their gooey-ness. Then they're cut into squares so you can enjoy them without a knife and fork.
You may be skeptical at first, but there's no need. These are scrumptious and will be a great Thanksgiving dessert. They are dense, moist, and perfectly chocolaty.
Sweet Potato Casserole Bars (pictured)
The traditional sweet potato casserole just got a whole lot sweeter. These dessert bars are a great finish to your Thanksgiving dinner. If you love sweet potato casserole and you love dessert, this recipe is for you.
Sweet Potato Casserole Crepe Cake
Crepes and candied sweet potatoes make this a super sophisticated dessert. Imagine layers of sweet potato filling, crepes, and a marshmallow topping...yum! This is a uniquely delicious Thanksgiving dessert.
BONUS: Cranberry Apple Strudel Recipe
Apples and cranberries are great together. All of you cranberry sauce fans are sure to love cranberry desserts too.
Apple Cranberry Strudel Pie (pictured)
The apple and cranberry filling is wedged between 2 sheets of phyllo dough which will turn golden brown after baking. This is a great fruity dessert to enjoy after a delicious turkey dinner.
For Thanksgiving dinner ideas, check out 21 Perfect Casseroles for Thanksgiving.
Tags / Related Topics
Your Recently Viewed Recipes
Love these recipes? Get MORE delivered to your Inbox – FREE Click Here!
I'm looking forward to making that Pumpkin Pull-Apart Monkey Bread. How about you?
What's Hot
- Southern Comfort Sausage and Cornbread Dressing
- Pennsylvania Dutch Potato Filling
- "Fall Casserole Ideas: 14 Deliciously Good Recipes for Thanksgiving" Free eCookbook
- My Sister's Green Bean Casserole
- Easy Thanksgiving Recipes: 14 Thanksgiving Side Dishes Free eCookbook
- Corn Pudding: The Easy Way
- Pineapple and Sweet Potato Casserole
- 28 Thanksgiving Side Dish Recipes
- 26 Perfect Casseroles for Thanksgiving
- Pumpkin Bread Pudding with Caramel Sauce
My Recipes (0) View »
Something worth saving?
- SAVE all your favorite recipes
- ADD personal notes
- QUICKLY reference your recipes
Free eCookbooks
- "9 Casserole Recipes to Make When Eating on a Budget" Free eCookbook
- 11 Easy Pot Pie Recipes: Chicken Pot Pie Recipes and Other Comfort Foods
- 11 Recipes for Easter Brunch
- 12 Top Rated Chicken Casserole Recipes
- 14 Slow Cooker Casseroles
- 15 Easy Potluck Recipes
- 19 Scrumptious Casserole Recipes for Breakfast
- 20 Casserole Recipes for Mexican Food Lovers
- Cooking Vegetable Side Dishes: 9 Easy Casserole Recipes
- Easy Tater Tot Casserole Recipes: 12 Ways
Our Newest Recipes & Articles
- Slow Cooker Chicken Alfredo Rice Casserole
- Easy Cheesy Chicken Noodle Casserole
- Bisquick Peach Cobbler
- Just-Like Paula Deen's Peach Cobbler
- Spectrum St. Louis Bread Basket Review
- Spectrum Diversified Designs
- Cheesy Chicken Artichoke Casserole
- Tandoor Chef Frozen Foods Review
- Tandoor Chef
- Easy Chicken Casserole Recipes: 11 Recipes for Chicken and Stuffing Casserole


text:
1,522 results
SORT BY Relevancy
UPbeat: Tom Hayes interviews Eileen LeDonne and her RV Life!
in Comedy
Entrepreneur, Mother, Single Mom, World Traveler, and now traveller with her four year old daughter in her own RV. Join us as Eileen discusses her purpose, her dreams, and her new reality as she travels the United States in her RV alone with her four year old daughter. She will speak about her plans to film a documentary about the growth of RV travel and life in the United States. How families and individuals are finding alternatives to living that heretofore never existed. The Sociology, the families, the economics, and the lifestyles will be treated. Join us fro a fascinating show.
Eileen Stephens - Taking Over and Growing Your Business
in Management
Eileen Stephens is a consultant at Culture Index. Eileen helps make sure that business owners assemble the right team to help both take over their business, and allow it to continue to grow in the future.
Questions Discussed:
1. How important is having the right leaders under the CEO?
2. How do I get the best payout for my company?
3. Can my children run my business?
Contact Info:
Everythingw/KathyB, Keith Davis,Terry Bams, Chevonna Johnson,Eileen Lichtenstein
in Family
Source Nation! Join us tonight for another show of Relationship Mondays.
6:15- Author Keith Davis
Joining Kathy B in the studio at 6:15 is Author Keith Davis, Writer, Author of Poetry and Sexy Short stories. Tune is as Keith shares excerpts from his short stories, "Confessions of A Reformed Player" You definitely want to be a part of this conversation.
7:15 Author Terry Bams
Author Terry Bams is back once again to share more details from his book, The Mind of A Womanizer. Join us to hear how Terry went from manipulating women to realizing their value and worth. In tonight's discussion Kathy and Terry will continue with the chapter "Fort Lee" life in the Military.
8:15 Eileen Lichtenstein
Joining Chevonna for Parents & Teens Talk is Eileen Lichtenstein whose mission is to Empower individuals and organizations to Succeed, Overcome Obstacles, Achieve Goals, Reduce Stress and SOAR to new heights of happiness and productivity! Join us as Eileen and Chevonna discuss Anger Management.
Call in and be a part of the conversation at 619-924-0933. You've heard it here from your favorite radio station, Source Radio Network.
VACCINES DESTROY LIVES: Soundbites & Strategies ~ Eileen Dannemann with Elkordy
in News
Eileen Dannemann's website http://VaccineLiberationArmy.com and FB group The Greatest Lie Campaign
Sallie O. Elkordy, Host of "The Mary and Sallie Show" can be contacted here: Sallie O. Elkordy for NYC Public Advocate ~ Action can be taken here: http://BillionToddlerMarchForSurvival.blogspot.com/ and if you live in NY and wish to become active with others, please join this group: AWAKE New York
Vaccine Mandates? FIGHT CITY HALL! https://www.youtube.com/watch?v=P3junQORxuM&list=PLqQQFOVUZBLi-jobDXmXjWBmfE404AXSV
in Spirituality
Check out this week's planetary action with Internationally known Clairvoyant Astrologer Eileen Lock.
in Spirituality
You can call in and talk to Clairvoyant Astrologer Eileen Lock.
in Spirituality
Check out this week's planetary action with Internationally known Clairvoyant Astrologer Eileen Lock.
2-16-15 SPECIAL GUEST: Eileen O'Grady on The Comeback of Private Securitizations
in Finance
Today, we have is our special guest Eileen O'Grady who is a "multi-decade" industry veteran and an expert in on the secondary markets and well qualified to share with our listeners about what she learned last week at the Asset-Backed Security Conference in Las Vegas (ABS West Conference). The primary question will be answering on today's broadcast is examining the "potential" comeback of private label residential mortgage-backed securities (RMBS) as well as trends she sees across the industry.
Created BY mortgage professional FOR mortgage professionals, Lykken on Lending is a weekly 60-minute radio program hosted by mortgage veteran, David Lykken. Joining the program each week is Joe Farr with a MARKET UPDATE, Alice Alvey providing a LEGISLATIVE UPDATE, Paul Muolo of IMFnews.com giving a quick MTG NEWS HEADLINES update, Andy Schell (a/k/a "The Profit Doctor") providing tips on FINANCIAL MANAGEMENT and Tony Garritano providing a TECHNOLOGY UPDATE. This is followed by the HOT TOPIC segment, which is an in depth discussion about one of the hottest topics related to the mortgage industry.
in Spirituality
You can call in and talk with Internationally known Clairvoyant Astrologer Eileen Lock.
http:www. oneheartministry.freeservers.com
Flip the Joy Switch with Elisjah Anderzen, Noam Ben-Aire and Eileen Powers
in Spirituality
Elisjah Anderzen is a childhood prodigy who discovered an innate ability to access higher levels of consciousness and healing from a very young age. He combines his exceptional abilities to channel this ancient wisdom as taught to him by great celestial masters whos primary message is that of love consciousness as it reveals how to find the silver lining of life. A modern day mystic with a depth of knowledge in both ancient and future healing modalities. He is a National Board Certified Bodywork Therapist, Founder of The Wholocymatics™ Method, Integrative Holistic Healer, and Medical intuitive. Find Elisjah at www.flipthejoyswitch.com.
Eileen Powers is a Reiki Master/Teacher/Intuitive at Violet Light Reiki. Eileen is a certified Angel Card reader trained in person with Dr. Doreen Virtue. Eileen has been receiving messages from spirit since she was a child. As she got older her ability to find things energetically that others had hid on themselves became greater. Now Eileen speaks with spirit and receives messages from Angels. Eileen's abilities have been growing and shifting. Moreover, Eileen always works with the positive messages for hope and change. She can be found on facebook at Eileen Powers.
Noam Ben-Arie receives clear and direct messages from the Higher Consciousness. When he channels, his portals of consciousness are open to all energies that, need to come through for the purpose of serving the highest good of whomever seeks his counsel. A group of wise and loving Master Teachers coalesce with Noam from the nonphysical planes, helping him teach humanity how to raise vibration and expand consciousness. Noam's heartfelt devotion to individual and collective evolution is the focus of his work. He is honored to help people tap into their truth and remember Who They Are.
Cosmic Lunch Break
in Spirituality
Check out this week's planetary action with Internationally known Clairvoyant Astrologer Eileen Lock.
What's Up Wednesday
in Spirituality
You can call in and talk with Internationally known Clairvyant astrologer Eileen Lock.
- ...
Today's Best Podcasts
Join Host Live Chats
There are no live chats in progress


text:
Post University decides to eliminate English & History Majors
Post, in Waterbury, Conn., was founded as a private university in 1890, and has always had a strong vocational orientation. The university has seen some radical changes in governance. In 1990, Post became one of several American colleges that affiliated with the Teikyo Group, from Japan. Post became Teikyo Post University. Last year, when Teikyo pulled out, private investors purchased Post and it traded in its nonprofit status to become a for-profit (and profitable) entity.
Now the university — with about 1,400 students — plans to stop offering liberal arts degrees and to focus on academic programs directly linked to careers. No full-time faculty members will lose their jobs. But there will be shifts in priorities for adjunct hiring — and part-time faculty members teach a major proportion of classes at Post.
Jon Jay De Temple, president of Post for the last five years, said that he believes the institution needs focus. "We're not big enough to do everything for everybody," he said.
comments powered by Disqus
- Joan Baez, Sly Stone, Steve Martin, Ben E. King -- all honored by the Library of Congress
- StoryCorps to Launch Global Expansion With $1M TED Prize
- Hofstra Event Looks at Bush Presidency
- Did Israel steal uranium from a town in Pennsylvania in the 1960s?
- Sequel to Nelson Mandela's Long Walk to Freedom to be published next year
- OAH denounces anti-gay legislation signed by Indiana governor
- Emory's Leslie Harris says we should remember the racist roots of American colleges as we think about what went wrong at OU and other schools
- Stanford historian looks to the U.S. Postal Service to map the boom and bust of 19th-century American West
- U.S. historian denounces Japanese scholars' statement over wartime sexual slavery
- Timothy V Johnson Named Head of Tamiment Library


text:
U.S. sky-watchers ready for total lunar eclipse on Tuesday
CAPE CANAVERAL - Night owls and early risers in North America can watch a rare celestial event on Tuesday as the Earth's sunset-hued shadow falls across the moon, shifting its color to bright orange, depending on local weather conditions.
Get the full story
Subscribe or Log In
Are you a newspaper subscriber but you don't have a Digital Access account yet? Activate your account.
You will need your subscription account number and phone number. Not sure if you have an account? Email us or call (701) 780-1100 and we can help you.


text:
If everybody in state and local government sat down with everyone who cares about education and said, "Let's make the messiest, most fractured way to change how we educate our children," it would look like what's happening now.
If everybody in state and local government sat down with everyone who cares about education and said, "Let's make the messiest, most fractured way to change how we educate our children," it would look like what's happening now.
Starting this fall, students of Rupert Elementary School will be encouraged to join a walking school bus. But first, the school district needs to build the "bus" -- a corps of trained volunteers to escort children.
Even when other schools were dropping the arts, teachers here have integrated art and music into their classes for at least 15 years. Lucker says it helps her as a teacher.
The agency previously reported an uptick of 27 percent over the last three years. The number of investigations rose from 141 during the academic year that ended in 2010 to 179 at year-end 2014.
Indiana school districts that have missed more than a week of class due to winter weather are searching for ways to make up those days.
State lawmakers are attempting to address the inequity, but there may not be enough money in the state's checkbook to cover any viable solution.
An analysis of immunization data for the 2014-15 academic year shows that Utah County parents are less likely to immunize their 5-year-olds than those who live in Salt Lake County.
The big debate in the legislature is to what degree they will increase funding for education.
Gryphon House Inc. released the Move to Learn: Integrating Movement into the Early Childhood Curriculum. It helps educators turn their classrooms into environments that encourage movement activities throughout the early childhood curricula.
The Education Policy Committee in the House of Representatives approved a proposed charter school bill that would give the committee the authority to approve applications for start-up charter schools that are denied by local school boards.
The South Dakota Legislature has passed a 2 percent increase in state aid to school districts despite concerns that the measure shifts some costs to local property taxpayers.
The Tonasket School District's board has offered the superintendent position to Steve McCullough, who is currently the school superintendent in Curlew.
The Washington district has offered the position of superintendent to Patrick Kelly Shea, a Spokane native who is currently superintendent of the Sequim School District.
Lonny Rivera is stepping down as superintendent at Oregon City Schools after two years to take a position as the associate superintendent for the Ohio Department of Education.
Scores of education technology start-ups are marketing new digital learning tools directly to teachers. But the new digital tools have also left school district technology directors scrambling to keep track of which companies are collecting students' information — and how they are using it.


text:
Fairy Double-Digit Addition
Would your first grader rather color fairies than do her math? With this worksheet, she can do both! It focuses on simple double-digit addition and finishes off with a cute flower fairy to color.
Topics: First Grade, Addition, Fairies
Common Core: 1.OA.C.6
Updated on Nov 18, 2014
Recommended Learning Products
Trust Education.com to find smart things kids love
Unlimited Workbooks and Worksheets
90% of Students Understand Concepts Better Since Using PLUS
Reading and Math Program for Kids 3-7
300+ games and activities. Try it for free!
Make Math Practice Fun and Engaging
Interactive Math Lessons for Elementary School Students