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The quick answer is yes and no. It all depends on where the option is traded. An option contract is an agreement between the buyer and the seller of the contract to buy or sell an underlying asset at a certain price, amount and time. These are referred to as the strike price, the contract size and the expiration date, respectively. Options are sold in two places: on option exchanges and over the counter.
Option Exchanges
Option exchanges are similar to stock exchanges in that trade happens through a regulated organization, such as the Chicago Board Option Exchange (CBOE). Exchange-traded options at the basic level are standardized; this means that each option has a set standard underlying asset, quantity per contract, price scale and expiration date. For example, when looking at a May05 MSFT 30.00 call option, the CBOE has standardized that each option contract represents 100 shares of MSFT common shares, the strike price is $30, and the contract expires on the third Friday of May. There is no customization at the basic level of option exchanges, and the terms of the contract are set out by the exchange.
Flexible exchange options (FLEX) allow for customization of the contract specifics of exchange-traded options; they are most often written by a clearing house. There are also exchange-specified rules that must be followed when creating a FLEX option; for example, the exercise date must differ from the exercise date of all other options and there may be a minimum size. This allows for some customization, which means an option contract writer can change some of the details of the contract.
Over the Counter
Options are also traded in the over-the-counter option market. Over-the-counter options are traded through a wide network of various brokers and dealers. This market allows for the complete customization of option terms, from the strike price to the expiration date. The price that is paid or received for the option is dependent on the price someone in the market is willing to sell for or pay, and this is determined by the terms of the option.
However, there is more risk in the over-the-counter market than in the exchange-traded market. In the over-the-counter market, the other party to the contract may not hold up his or her side of the agreement. This is unlike exchange-traded options, which are guaranteed by the clearing corporation to be exercisable, no matter what the other party to the option does.
For more information on options, please read the Options Tutorial.
How do I set a strike price for an option?Learn about the strike price of an option and how to set a strike price for call and put options depending on risk tolerance ...
How risky is a straddle?Learn how options traders use long and short straddles to potentially profit from a market regardless of the direction of ...
Do options make more sense during bull or bear markets?Understand how options may be used in both bullish and bearish markets, and learn the basics of options pricing and certain ...
Where can I find out about upcoming stock splits?Learn what a stock split is, how it is accounted for and where to find upcoming information about stock splits on the Internet.
Catastrophe Equity Put (CatEPut)Catastrophe equity puts are used to ensure that insurance companies ...
Open Trade Equity (OTE)Open trade equity (OTE) is the equity in an open futures contract.
Multibank Holding CompanyA company that owns or controls two or more banks. Mutlibank ...
Short PutA type of strategy regarding a put option, which is a contract ...
WingspreadTo maximize potential returns for certain levels of risk (while ...
Volatility SmileA u-shaped pattern that develops when an option's implied volatility ...


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Actions Speak Louder Than Words: How Hypocritical Leaders Affect Employee Turnover
We idealistically expect leaders to always do the right thing. Yet, some leaders fail to "walk the talk." They might say one thing, and then do the exact opposite. Unfortunately, this kind of behavior can negatively affect employees and organizational effectiveness. A recent study examines what happens when leaders are perceived as hypocritical. The results should be concerning to many organizations. [Read More]
Caregivers in the Workplace: How to Improve Their Well-Being
Caregivers are people who assume responsibility for helping another person with daily living activities. But many caregivers are also full-time employees. With the increase of caregivers in the workforce, a new study shows how family and supervisor support can influence the mental health outcomes of these caregivers, and lead to improved well-being. [Read More]
How Forgiveness in the Workplace Can Harm Relationships
We all think of forgiveness as a way to improve relationships and remove tension from a situation. Recent studies have shown that this is not always the case. Offering forgiveness can actually prove detrimental to a working relationship. When is forgiveness productive and when can it backfire? [Read More]
What to Expect When You're Expecting: Pregnancy In the Workplace
How does she do it all? It can be challenging for women to manage identities as both employees and mothers-to-be. Sometimes stereotypes associated with pregnancy can threaten careers and lead to negative consequences. So how can women maintain their professional image once they have disclosed their pregnancy to their employers and colleagues? New research shows which strategies work best. [Read More]
Can Proctored Internet-Based Selection Tests Really Stop Cheating?
Organizations are starting to use proctored internet testing to decrease cheating on their pre-employment tests. It seems like a great idea – you can monitor applicants while they're testing and it's pretty hard for them to cheat. However, a new study shows why you might want to be cautious about using proctored internet tests in your organization. [Read More]
How Emotional Expression Affects Workplace Attitudes and Opinions
What is the role of emotion in the workplace? Of course, at the time of publication, our workplaces are not yet staffed entirely by robots, so emotion will probably play at least a minor role. But have you considered how leaders can harness the power of emotion to help productively influence their employees? Once again, new research shows the way! [Read More]
How to Design a Resume That Will Get You Hired
In today's world of work, you're always thinking about the next job. But have you thought about how your resume makes people perceive you? Have you thought about what aspects of your resume might make you seem more hirable and land you the job of your dreams? If you haven't thought about these things, it's not too late. Recent research provides some practical advice on how you can make your resume shine! [Read More]
Top 5 Most Popular Article Reviews – February 2015
I/O at Work's Top 5 Most Popular Reviews for February 2015. Includes article reviews on How Personal Stress Leads to Stress on the Job, Pre-Employment Testing and Cheating, How to Make Meetings More Productive, Honest Feedback, and more! [Read More]
How Rude! Passive Leadership May Encourage Workplace Incivility and Employee Withdrawal
Do you ever roll your eyes at co-workers while they are making important presentations or make snide remarks when the guy in the next cubicle wears his ugly sweater? Although rude workplace behavior may seem harmless, over time it can result in negative outcomes for both employees and organizations. A new study examines how passive leadership may allow uncivil behavior to occur in organizations. [Read More]
Pre-Employment Testing Done Right: Does it Really Reduce Cheating?
Bob is a job applicant taking on online intelligence test as part of his pre-employment screening. Some of the questions are pretty hard, but he can simply Google the answers and get them right. Does he cheat? New research shows how organizations can help design these types of tests to make sure that cheating is less likely to occur. [Read More]

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Modified rig and hull?
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Modified rig and hull?
I've been looking at a few used boats recently and came across an interesting 1968 Cal 36 on Saturday.
First, this Cal had twin forestays (no furler) that were side-by-side. I've obviously seen two forward stays on a cutter-rigged boat, but I've never seen to forestays side-by-side at the bow. I'm pretty sure this Cal wasn't rigged like this from the factory. Anyone know the purpose of the extra stay?
The boat also had two inline rudders (see picture below) and two inline tillers. Again, all of the Cal 36's I've seen in the past only had one spade rudder while the Cal I looked at yesterday had an additional rudder attached to the back of the fin keel with a prop aperture. The tiller for this rudder was almost entirely under the primary tiller and could be secured in place with a series of horizontal notches in an aluminum strip mounted to the cockpit floor. What's the purpose of the the second rudder/tiller? Anyone ever seen this set-up?
While the boat interested me as a spacious cruiser with good sailing attributes, I believe the spade rudder needs to be replaced. There is a menacing crack along boths sides. From the picture below, am I correct in thinking this is a deal breaker?
Catalina 34
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CQ DL Amateurfunkmagazin
Ham Radio Magazine of DARC
By DH5FFL [ Hits: 1533 | Votes: 12 | Rating: 5.08 ]
About CQ DL AmateurfunkmagazinThis resource is listed in dxzone.com under 1 categories. Its main category is Radio related magazines (ham radio magazine). "CQ DL Amateurfunkmagazin" is listed in our web site index since Thursday Jun 21 2001 and till now received a total of 1533 hits.
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9 spring-y things to enjoy way past break
This sweetie sure knows how to make a girl feel special
Dear Carol: How can I turn my attitude around?
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Associate in Business: General Business Degree Overview
Read prerequisite and course details for associate degree programs in general business. Learn about continuing education and career options for graduates, as well as projected employment growth and salary figures for several positions in the business field.
Essential Information
In an associate degree program in general business, students acquire a foundation in the basics of management, marketing, business communication and finance. Through analysis of business models, students can explore ways of solving problems that arise in a corporate setting. Some schools offer internship experiences as part of the business curriculum, giving students real-world practice that can lead to future employment opportunities.
These programs typically require 60 semester units and can be completed in two years. Graduates are qualified for entry-level business positions in a wide range of industries. A high school diploma or GED is generally required for admission.
Course Topics
Most schools require students to take general education coursework, including courses in English, history, math, natural science, psychology and sociology, in addition to business courses. Coursework within a business program can include:
- Microeconomics
- Business law
- Accounting
- Statistics
- Finance
- Communications
- Marketing
- Human resources
Popular Career Options
Upon completion of a general business degree program, graduates are generally qualified for entry-level employment in departments such as accounting, human resources, finance or marketing and advertising. They can also seek general employment in banking, insurance, retail sales, small business and accounting. Possible job titles could include:
- Customer service supervisor
- Human resources clerk
- Accounting assistant
- Small business consultant
- Assistant manager
- Entrepreneur
As reported by the U.S. Bureau of Labor Statistics (BLS), many of these positions should see solid growth over the 2012-2022 decade (www.bls.gov). Employment for customer service representatives is projected to grow by 13%, management analysts or consultants by 19% and human resources specialists by 8% over this time period. The BLS also reports that as of May 2012, customer service representatives earned a median annual salary of $30,580, management analysts $78,600 and human resources specialists $55,800.
Continuing Education
Graduates interested in higher-level employment opportunities can pursue a bachelor's degree in business. Common business programs at the bachelor's degree-level include business management or business administration. Some business programs offer specializations in marketing, human resources or international business.
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Close Up Of Pills In Clear Jar Stock PhotoCapsule,Pill,Close-up,Medicine,No People,Still Life,Development,Petri Dish,Research,Color Image,Consumerproduct,Contrasts,Gray Background,Healthcare And Medicine,High Angle View,Horizontal,Innovation,Large Group of Objects,Medical Test,Multi Colored,Photography,Studio Shot,VariationPhotographer Cultura Science/Rafe SwanCollection: Oxford Scientific Drugs Trial, pharma research, pills, capsules, drug discovery, research


text: https://www.ibm.com/developerworks/community/groups/service/atom/communities/all?tag=v75&userid=27000068HV Public Communities 2015-03-31T21:16:56.436Z IBM Connections - Communities 1 1 10 a9ba1efe-b731-4317-9724-a181d6155e3a http://communities.ibm.com:2006/service/atom/community/instance?communityUuid=a9ba1efe-b731-4317-9724-a181d6155e3a Asset Management 869 public true true 2011-01-07T18:54:41.494Z 2015-03-31T20:59:15.467Z Welcome to the Maximo Asset Management technical community! With this site, you can connect with experts and users in learning more about the Maximo Asset Management functionality. You can also share your knowledge and ask questions about Maximo on the User's forum or on the Maximo Wiki. Fol obriend 120000NV9S active RobertoG.Palma 270000BQR0 active


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11:0485(82)NG DIGEST HEADINGS STATUTE SUBJECT MATTER INDEX ENTRIES DIGEST NOTES ORDER DISMISSING PETITION FOR REVIEW -- 1983 FLRAdec NG
[ v11 p485 ]
The decision of the Authority follows:
AMERICAN FEDERATION OF GOVERNMENT EMPLOYEES, COUNCIL OF SOCIAL SECURITY LOCALS (Union) and DEPARTMENT OF HEALTH AND HUMAN SERVICES, SOCIAL SECURITY ADMINISTRATION (Activity) Case No. 0-NG-780
This case is before the Authority pursuant to section 7105(a)(2)(E) of the Federal Service Labor - Management Relations Statute on a petition for review of negotiability issue filed by the union.
The record before the Authority in this case indicates that during negotiations between the parties the union proposed that any candidate competitively selected under an open-continuous career ladder vacancy announcement would be selected and promoted to the highest grade level for which he or she was qualified within the career ladder. The activity alleged that the union's proposal was nonnegotiable because it interfered with management's rights under 7106(a) of the Statute. The union then sought the Authority's determination, pursuant to section 7117(a)(1) of the Statute and section 2424.1(a) of the Authority's Rules and Regulations, as to whether the disputed proposal was within the parties' duty to bargain. S


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Alexis Pinturault, Julia Mancuso win
Updated: February 21, 2012, 3:45 PM ETAssociated Press
MOSCOW -- Julia Mancuso of the United States and Alexis Pinturault of France dominated the parallel slalom World Cup races on a giant ramp in Moscow on Tuesday.
Mancuso dominated Michaela Kirchgasser of Austria in both final runs in the only city event on the Alpine circuit this season. Overall World Cup leader Lindsey Vonn, who lost to Mancuso in the semifinals, finished third.
"You can never count yourself out," said Mancuso, who was 0.16 seconds behind Nicole Hosp of Austria in ...
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StartUpHire is the place to find Engineering jobs in and near Westford. Review the list below of Engineering Westford jobs. These Engineering jobs represent some of the most rewarding careers available. You can refine your job search for Engineering jobs in Westford by adding a job title, company name, or keyword to the search box above … or click the "Advanced Search" link for more options. Don't see the employment opportunity you're looking for? Check back soon for more Engineering jobs in Westford, or sign up for an email alert (link in upper left) to receive periodic updates on new Engineering jobs in Westford, MA.
Job Description POSITION SUMMARY: Support the transition of a Research Use Only scientific tools company to one that provides in-vitro diagnostics and regulated products to select market segments. Strengthen our compliance of Production and Process Controls, Risk Management2/2/2015 Billerica, MA Save This Job
Job Function:Research Associate Department:Research Location:Boston, MA Date Posted:3/4/2015 More Sharing ServicesShareShare on facebookShare on linkedinShare on googleShare on twitterEmail this job Research Associate in Solar and/or Semiconductors (Market Research) Lux3/30/2015 Boston, MA Save This Job
Location: Waltham, MA, USA Job Title: Senior Principal Software Engineer Department: Engineering Description: MetraTech empowers organizations to embrace change through a unique, agreements-based billing and compensation solution that is relationship-driven and supports1/13/2015 Waltham, MA Save This Job
Desired experience/expertise The candidate should have knowledge and experiences related to the cGMP manufacturing in the pharmaceutical or biotechnology industries. He or she should possess specific knowledge of sanitary process design, process scale up, process automation and2/2/2015 Cambridge, MA Save This Job
Desired Experience / Expertise BIND Therapeutics is seeking a Manufacturing Engineer to join our exciting team! The ideal candidate will have knowledge and experiences related to the cGMP manufacturing in the pharmaceutical or biotechnology industries. He or she should possess2/2/2015 Cambridge, MA Save This Job
Location: Burlington, MA The Development Manager while managing a team of talented Software Engineers will manage, design, develop, test, and deploy Black Duck?s products. The ideal candidate has previous hands-on lead experience with up to 10 engineers in design, development,1/31/2015 Burlington, MA Save This Job
In depth knowledge of Windows Kernel focused on File System Driver is highly desirable. As a Principal Engineer you will own major functional areas and work on some of the toughest challenges ahead of us, at the same leading a team of talented individuals2/19/2015 Waltham, MA Save This Job
Software QA Engineer in Burlington Massachusetts United States Danaher Company Description Arbor Networks is a leading provider of network security and monitoring solutions for global networks. Its customers include over 90 percent of the world?s ISPs and many large enterprises.3/23/2015 Burlington, MA Save This Job
Does ensuring the security of a massive cloud platform get your mind racing? Are you passionate about designing secure architectures and improving the resilience of cloud services? At Acquia our PaaS and SaaS services span over 9,000 AWS EC2 instances and power some of the3/19/2015 Boston, MA Save This Job
Location : Wilmington MA US 01887 Job Type : Full Time Shift/Hours : First Shift (Day) Career Level : Experienced (Non-Manager) Education : Bachelor's Degree Category : AV Technology Job Description : For over 25 years, Yorktel has been the video managed services partner around3/17/2015 Wilmington, MA Save This Job
Job Description POSITION SUMMARY As a member of the product development team, the Mechanical Engineer will contribute to product design and development, testing, risk analysis, and verification/validation of existing and next generation product platforms and microfluidic3/4/2015 Billerica, MA Save This Job
Human Resources Boston, MA, United States Zipcar, the world?s largest car-sharing company, is looking to add new talent to our team. Today, Zipcar provides hundreds of thousands of people with a viable alternative to traditional car ownership, saving them money, time and3/3/2015 Boston, MA Save This Job
Your Role: Xamarin, created by developers, knows what developers want: a modern programming language, powerful tools, an efficient and delightful workflow and the power to create the best user experiences. The Xamarin Platform allows developers to build native iOS, Android, Mac3/3/2015 Boston, MA Save This Job
Engineering Boston, MA, United States Zipcar, the world?s largest car-sharing company, is looking to add new talent to our Engineering Billing team. Today, Zipcar provides hundreds of thousands of people with a viable alternative to traditional car ownership, saving them3/3/2015 Boston, MA Save This Job
Job Description Position Overview: In the Technical Operations Engineer role, you will be the highest point of contact for our clients in resolving highly complex technical and application related inquiries regarding Bullhorn?s software product. As a team leader and mentor, you2/28/2015 Boston, MA Save This Job
Location: USA WALTHAM MA The Professional Services Engineer (PSE) will be the point of escalation for Field Engineers providing pre-and post-sales support to customers who have implemented the Actifio solution. Responsibilities/Key Tasks The PSE will provide subject matter2/22/2015 Waltham, MA Save This Job
NetProspex is an exciting, imaginative and award-winning data management company based in Boston-area. We are seeking to add a Sr Software Engineer to our existing engineering team to push our technology offering forward into 2015. If you?re an innovative developer with great2/22/2015 Waltham, MA Save This Job
This opportunity to join our dynamic imaging engineering team will enable you to use your image processing knowledge and programming skills in building and improving the world class medical imaging systems. Ideal candidates are expert image processing engineers and experienced2/15/2015 Burlington, MA Save This Job
Do you want to lead the development of the newest additions to perhaps the world's most widely-deployed text analytics suite? Do you like seeing your work solving real-world problems even more than you like seeing it cited in publications like ACL or SIGIR? Basis Technology is2/14/2015 Cambridge, MA Save This Job
ID 2015-1028 # of Openings 1 Job Locations US-MA-Lexington Posted Date 1/23/2015 Category Data Science More information about this job: Overview: FirstFuel is a Lexington based exciting and fast growing Venture Capital backed company that has quickly become the leader in the2/8/2015 Lexington, MA Save This Job


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Floor Plans and Pricing
|Large Studio
|1 Bathroom
|562 Sq. Ft.
|Small Studio
|1 Bathroom
|452 Sq. Ft.
|Medium Studio
|1 Bathroom
|482 Sq. Ft.
1 Bedroom
|1 Bedroom 1 Bath
|$685 - $690
|1 Bathroom
|610 Sq. Ft.
|1 Bedroom 1 Bath Loft
|$760 - $765
|1 Bathroom
|795 Sq. Ft.
2 Bedrooms
|21A: 2 Bed, 1 Bath
|$785 - $800
|1 Bathroom
|800 Sq. Ft.
|22A: 2 Bed, 2 Bath Town H
|2 Bathrooms
|1035 Sq. Ft.
Property Features
- Property Overview
- Special Features
- Community Features
- Apartment Amenities
- Local Schools
- Pet Policy
Meadow Ridge in Las Vegas, NV
Upgrade Your Lifestyle! Meadow Ridge is a premier residential community in the Southwest area of Las Vegas! We offer studios, one and two bedroom apartment homes, and unique 2 bedroom townhomes with an attached 2-car garage. We are close to parks, freeways, schools, banks, shopping, dining, public transportation, and the Las Vegas Strip. Our comfortable, spacious floor plans include open kitchens, balconies, and abundant closet space. We also feature vaulted ceilings, fireplaces, and full size washers and dryers in select apartment homes. Our amenities include NEW fitness center, NEW business center, NEW game room with billiards, NEW Wi-Fi lounge, NEW resident park, NEWLY remodeled Clubhouse, pool and spa. Extra storage spaces are also available for rent. Our professional team is ready to assist you with your needs. Enjoy outstanding customer service and beautiful surroundings while living at Meadow Ridge Apartment Homes. Lease Online today and save an extra $25 off. Welcome Home!
Special Features
- Free Rent - Call for Specials!
- Studio, 1 & 2 Bedroom Apartments For Rent
- Convenient On-Site Fitness Center
- Business Center
- Walk-In Closets In Select Units
- Private Patios or Balconies
- Wood Burning Fireplaces In Select Units
- Pets Accepted Up To 65 lbs
- Tennis Courts
- Pool & Spa
- Storage Units
- Washer And Dryer Available In Select Units
Community Features
- Apartment
- Business Center Onsite
- Club House
- Courtyard
- Covered Lot
- Efficiency
- Fitness Center
- Freeway Access
- Garages
- Laundry Facility
- Loft
- Pool
- Public Transportation
- Spa
- Studio
- Tennis Court
- Townhouse
Additional Information
Year Built: 1989
Apartments in Community: 232
Apartment Amenities
- Air Conditioning
- Broadband Internet Access
- Cable or Satellite
- Carpet
- Dishwasher
- Extra Storage
- Fireplace
- Garbage Disposal
- Internet Access
- Patio or Balcony
- Vaulted Ceiling
- Walk In Closets
- Washer Dryer Hookup
- Washer Dryer In Unit
- Window Covering
- Wireless Internet Access
Local Schools
- Durango High School
- Grant Sawyer Middle School
- Helen Jydstrup Elementary School
We believe school data to be accurate, but do not guarantee that. Please be sure to verify where your children will attend school before making your housing decision.
Pet Policy
Maximum of 2 pets per home. Maximum of Two Pets per Apartment, Maximum Weight 30lbs Fully Grown. $250 Non-Refundable Pet Fee & $150 Refundable Pet Deposit Per Pet. $25 Per Month Per Pet Rent. Maximum of Two Pets per Apartment, Maximum Weight 30lbs Fully Grown.
- Pets Allowed
Contact Meadow Ridge
Meadow Ridge
Office HoursSunday 9:00 AM-6:00 PM Monday 9:00 AM-6:00 PM Tuesday 9:00 AM-6:00 PM Wednesday 9:00 AM-6:00 PM Thursday 9:00 AM-6:00 PM Friday 9:00 AM-6:00 PM Saturday 9:00 AM-6:00 PM
Meadow Ridge is conveniently located in the southwest area of Las Vegas, NV! We offer Studio, 1 & 2 bedroom apartments and 2 bedroom town homes for rent. Located just 10 minutes west of the Las Vegas Strip with easy interstate access in addition to numerous shopping centers and restaurants. Amenities include fully equipped kitchens, washer and dryer, walk-in closets, private patio or balcony, wood burning fireplace, tennis court, fitness center, storage units and pets are welcome up to 65 lbs.
Please call for our driving directions.
As you search for your perfect apartment, please keep in mind that rental rates (including specials and discounts) and availability are very fluid in the apartment industry. Based on many factors, the rental rates (including specials and discounts) and availability can actually change not just daily, but hourly, if not even more quickly. While our advertisers do take steps to keep their information current, the rental rates or availability you may find here now at ForRent.com may not be the same as when you contact the communities.
Quick Links For Your Apartment Search
- Las Vegas metro
- Southwest Las Vegas area
- Las Vegas
- 89118
- See Also


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The numbers are in for 2014 and the cost of healthcare for a typical family of four ballooned from … [Read more...]
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Brainerd among stops for living wage panel
Brainerd is among the sites were the Minnesota House Select Committee on Living Wage Jobs will make its first outstate stops of its interim tour next month. The Brainerd stop will be Aug. 20 with the time to be announced at a later date.
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Tennis Alumni Update
- Maasland Defeats Ranked Foe In 6-1 Loss To USC
- Ducks Unable to Take Down No. 15 UCLA on the Road
- Ducks Face So Cal Schools To Kick Off Pac-12 Competition
- UO Concludes Non-Conference Play With Emphatic 7-0 Win
- Pacific Travels to Eugene for Ducks' Final Non-conference Match
- Oregon Trounced by No. 12 Stony Brook
- Huskies Snap Oregon's 13-Game Win Streak
- Upset-Minded Ducks Fall Short in Loss to No. 4 UCLA, 5-2


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Summer punch
Photography by Sue Ferris & Alan Benson
Healthy and versatile, prawns are one of summer's simple pleasures. Learn all you need to know about this popular seafood, from buying tips to preparation tricks, with this easy guide.
They're eaten all year round, but it's at this time of year that prawns really shine. From simple sandwiches made with cooked prawns to a party platter of crispy prawns with dipping sauces, they star in a range of delicious dishes that are perfectly suited to the warmer months. Buy cooked prawns to make delicate salads, or transform green (uncooked) prawns into flavoursome favourites, such as garlic prawns, in minutes. You can also use peeled prawn meat (see What's In Store?, below) to make prawn mince, which is great for making Asian-style dumplings, patties and skewers.
Prawns are good for you, too. They're high in protein and eating them is a great way to help make sure you and your family get enough iron, zinc and vitamin E. Prawns also contain heart-friendly omega-3 fatty acids. Cooked using healthy methods such as grilling, steaming and stir-frying, and with "good" fats such as olive oil, they're also very low in fat and saturated fat.
Prawns are quick and easy to prepare and, with a little know-how, you can enjoy them at their best. This guide has all the essentials you need to know, including the different types, what to look for when shopping, and step-by-step preparation techniques, such as how to butterfly prawns for even quicker cooking (also known as prawn cutlets).
Prawns are sold cooked as well as raw, and frozen as well as fresh. They may be sold in the shell, or peeled (peeled prawns are referred to as prawn meat). As a general guide, 1kg of prawns in the shell provides about 24 medium to large prawns, which equals about 500g of peeled prawn meat. Here are the three forms of prawns you'll find available from the seafood counter, and in the frozen seafood section, at supermarkets.
Green prawns
These are uncooked prawns. They have translucent flesh that changes colour when cooked.
Cooked prawns
These prawns are boiled at sea as soon as they're caught. The flesh is opaque and pale orange.
Frozen prawn meat
These prawns are peeled before being frozen. You can buy them green or cooked.
Not all prawns are the same - they vary in size, appearance and flavour. Here's a guide to the types and how to use them.
What are they?
Generally larger than tiger prawns, king prawns are Australia's most popular prawns. They have moist, medium-firm flesh and a rich flavour. Their tail ends are bright blue when raw.
When to eat them:
Available all year round, king prawns are at their best from late summer to early winter.
How to use them:
What are they?
Large and flavoursome, tiger prawns have moist, firm flesh and a medium flavour. They have distinctive grey, blue or black stripes that turn red when cooked.
When to eat them:
Tiger prawns are available all year round. They're at their best from late summer to mid-autumn.
How to use them:
What are they?
These are medium-sized prawns with a sweet, mild flavour. There are two varieties: regular banana prawns have red legs, and white banana prawns have cream and yellow legs.
When to eat them:
Banana prawns are available all year round. They're at their best in mid-autumn.
How to use them:
What are they?
Because of their short shelf life, these tiny prawns are almost always sold cooked. They're moist and very sweet.
When to eat them:
These are available all year round, but are at their peak from late spring to early autumn.
How to use them:
Taste.com.au - November 2011 , Page 63
Michelle Southan
Taste.com.au is about sharing your opinions with others.
Brought to you by MasterFoods®
Brought to you by Campbell's Real Stock
Brought to you by Coles
Nutritious recipes for breakfast, lunch and dinner.
Discover a free range life with Annabel Langbein
Brought to you by SunRice
Take a basic brownie recipe and twist it to create an incredible new taste sensation.
Chocoholics beware! This Chocolate cake puts the rest to shame.
This one dish wonder is great for a speedy dinner.


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Who Gives a FAQ!
By TonyS 10 Comments
Castlevania: Symphony of the Night
I'm about ten hours into this game and I am really enjoying it. I'll be honest though, there is no way I would be able to play this game without a FAQ.
Now before you give me the same look that the kid on my right here --> did when I told him about my move to use a FAQ, allow me to explain.
I first started playing SOTN without any assistance whatsoever and for about an hour and a half I was doing alright. I was opening doors, collecting items, discovering different parts of the castle. You know, doing what Castlevania players do.
Suddenly, that all ceased. I found myself backtracking, wondering aimlessly through the same spots of the castle and eventually getting no where. Period. Now i'm no stranger to exploration and getting yourself out of situations where the game gives you little or no explanation, but I found myself eventually not having fun, and along with all the hard work, have nothing to show for it.
Moreover, I couldn't keep this type of gameplay up and have a full-time job, read my comics, watch my Daniel Day Lewis movies and spend time with the family. No sir, that wasn't going to happen. I needed a solution so that I may enjoy the awesomeness that was SOTN. I wasn't going to abandon it. Apart from me wondering around in purgatory for hours maintaining the abusive balance of frustration and sadness, the game has plenty of charm and plenty of depth.
It was going to be the death of me if I did not find a solution to fit my needs. I decided to swallow my pride and look online for a FAQ of SOTN. I also made the determination to start the game over as a gesture of good will. Whatever that may be worth
One thing, I noticed whilst looking for guides, is that most people that create guides cannot write. Perhaps it's because they assume you know what they are talking about when they say --Go to the bottom door--. While what they really meant was --Go back to the left, the way you came in and then up the stairs where you will hit a crossroad. You will then take the left path and then be face with two doors. One on top and one on bottom. You will take the bottom door.--
Now, you might be questioning my deductive reasoning skills due to the fact that I had to refrerence a FAQ to play SOTN, but I have actually managed to make some progress. It's not easy but at least I know where I am going. Sort of.
I have to say, after making some headway in SOTN using a FAQ, I really enjoy the game and it has definitely sparked my interests to dive into some other games that I have lost patience for, such as Eternal Sonata. I love exploration as much as the next guy but my time is very limited as to how long I can really commit to a game. Having some sort of guide to minimize the frustration of going the wrong way only to turn around and backtrack breathes new life into these once tossed aside games that have managed to only kill the gaming experience, not enhance it.
With that being said, I will still continue to start off playing games without a FAQ or guide but I will also take them into consideration when I find myself completely frustrated spinning my wheels in place with nothing to show for it and no light at the end of a tunnel. That is a better alternative then what I have been doing in the past by placing an unfinished game on my shelf and saying to myself," I'll finish it later."
Empty promises, Tony. Empty promises.
Time for some satire:
Poll taken after studies show girls are in fact capable to be as good as guys in video games. Here are some thoughts by the random people on the street.
Jake Blackensnotter - Professional Gaming Website Visitor
"Heh. Who would have guessed it?
They can cuss and get pissed just
as bad as the rest of us. Not surprising.
Not one bit."
Richard Popper - Meat Packer
"Wonderful. Now my girlfriend is going
to be thinking she can press the A button
AND the B button with as much dexterity
as me. Impossible. This study is a PHAIL."
Satchel LickDickle and wife - Married for 35 years
"We gamed together for years. It made me
feel like a man. The news hit me hard because
now, on our last stretch of life, she could
quite possibly beat me at Call of Duty 4.
I should have known something was up when
she hit her 13th prestige."


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Cheryl Stone
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Color Your World! 2013?s Hottest Fashion, Make-Up And Decorating Color Trends
by Rob Lucas
posted Feb 20 2013 6:09AM
And the best color goes to….Emerald Green!
Whether we like to admit it or not, we all care about what we look like.
Feel and look great with the up and coming trends of 2013. Check out the best spring colors from
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Holiday Inn Express Hotel & Suites Warwick-Providence (Arpt), Warwick
Conveniently near the airport in Warwick, Holiday Inn Express Hotel & Suites Warwick-Providence (Arpt) is close to Warwick Mall, Warwick Museum of Art, and Mulligan's Island Golf and Entertainment. Also nearby are Warwick City Park and Clouds Hill Victorian Museum.
Hotel Features.
Holiday Inn Express Hotel & Suites Warwick-Providence (Arpt) has an indoor pool, a spa tub, and a fitness center. Complimentary wireless and wired high-speed Internet access is available in public areas. Business amenities include a 24-hour business center and limo/town car service. Guests are served a complimentary breakfast. Additional amenities include multilingual staff, coffee/tea in the lobby, and complimentary newspapers in the lobby. Guests have complimentary access to a roundtrip airport shuttle (available 24 hours). Complimentary self parking is available onsite for guests.
The 147 air-conditioned guestrooms at Holiday Inn Express Hotel & Suites Warwick-Providence (Arpt) include coffee/tea makers and complimentary weekday newspapers. Complimentary wireless and wired high-speed Internet access is provided. Televisions are equipped with cable channels. All accommodations provide desks and phones; free local calls are offered (restrictions may apply). Additional amenities include hair dryers and irons/ironing boards. Housekeeping is offered daily.
When you are abroad, one thing you wish more is a confort sleep after being around all…
Pool under renovation had to go to one near by
Enter dates to check prices
Hotel Info: 020 3027 9803from £52
- One King Bed Non-Smoking Roll In Shower
- 2 Double Beds Suite Nonsmk
- 1 King Bed With Pullout Sofa Nonsmk
- Two Queens Executive Non Smoking
- Two Beds Non-Smoking Roll In Shower
- King Bed Executive
- Standard Room, Non Smoking
- 1 King Bed Deluxe Suite Nonsmoking
Recommended hotels
At a glance
Key facts
Hotel size
- This hotel has 147 rooms
- This hotel is arranged over 4 floors
- Check-in time starts at 3 PM
- Check-out time is 11 AM
Required at check in
- Credit card or cash deposit required
- Government-issued photo ID required
Travelling with others
- Pets allowed (dogs only) *
- 2 per room (up to 50 lb)
- Free WiFi and wired Internet access in public areas
- Free WiFi and wired Internet access in rooms
- Free airport shuttle (available 24 hours)
- Free self parking
- Accessible parking
Nearby Two Star Warwick hotels
In the hotel
- Free buffet breakfast
- Coffee/tea in the lobby
- Indoor pool
- Fitness facilities
- Spa tub
- 24-hour business center
- Number of meeting rooms - 2
- Conference space
- Conference space size (feet) - 900
- Conference space size (meters) - 81
- 24-hour front desk
- Limo or Town Car service available
- Dry cleaning/laundry service
- Free newspapers in lobby
- Number of buildings/towers - 1
- Safe-deposit box at front desk
- Disabled parking
- Accessible path of travel
- Braille or raised signage
- Accessibility equipment for the deaf
- Accessible bathroom
- In-room accessibility
- Roll-in shower
In the room
- Air conditioning
- Coffee/tea maker
- Iron/ironing board
- Private bathroom
- Hair dryer
- Cable TV channels
- Desk
- Free weekday newspaper
- Free WiFi
- Free local calls
- Daily housekeeping
- Connecting/adjoining rooms available
Top Warwick hotels
Recently reviewed hotels in Warwick
- Hampton Inn and Suites Providence SmithfieldFrom
"Comfortable stay, easy access to freeway."Mar 7, 2015
- Knights Inn North AttleboroFrom
"Good hotel. Suited us for overnight stop on way to Boston"Nov 4, 2014
- Motel 6 Providence EastFrom
- Howard Johnson Inn - Newport Area/MiddletownFrom
"We received a very warm welcome to the Hotel. The staff were very pleasant and helpful. They were very concerned that everything was OK with our stay. The facilities were good .…"Oct 26, 2014
Nearby hotels
Holiday Inn Express Hotel & Suites Warwick-Providence (Arpt), Warwick's small print
The property has connecting/adjoining rooms, which are subject to availability and can be requested by contacting the property using the number on the booking confirmation.
Optional extras
Pets are allowed for an extra charge of USD 25 per accommodation, per stay
We have included all charges provided to us by this hotel. However, charges can vary, for example, based on length of stay or the room you book.


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Iowa Baby's Birth Is One For Number Lovers
Originally published on Mon October 15, 2012 7:59 am
By editor
Good morning. I'm Renee Montagne. Katie Deremiah and Ron Fitzgerald of Des Moines, Iowa thought it was cool when their son was born on September 10th last year, offering the fun sequence: 9, 10, 11. Last week, they had a daughter, weighing 8 pounds, 9 ounces. Attention numerologists - little Laila was born on October 12th at military time 13:14, outnumbering her big brother at 8, 9, 10, 11, 12, 13, 14. It's MORNING EDITION. Transcript provided by NPR, Copyright NPR.


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URI Green Team Registration
You've decided to take a very important step toward greening URI's campus. Your leadership is the key to success for any Green Team, and it starts by creating an inventory of your office's daily operations and equipment use. This inventory will help us keep track of campus-wide progress in energy efficiency, and it will also help identify issues or areas that your Green Team should focus on the most.
More than 47,000 people, 9,700 ships and 127 planes spent months mopping up oil released during the 2010 Deepwater Horizon oil spill. Yet four years later, the tools to fight offshore oil spills remain remarkably rudimentary.


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Gambier Coachlines
Overnight Trips
Extended Tours
John Farnham & Olivia Newton John in Concert
Adelaide Entertainment Centre, Adelaide
Departing Saturday 11th April 2015
Taking Bookings
The Lion King Musical - May
The Regent Theatre, Melbourne
Departing Saturday 16th May 2015
Taking Bookings
Top End & Kimberley Discovery
20 day tour
Departing Tuesday 9th June 2015
Small group departure!
Taking Bookings
The Lion King Musical - July
The Regent Theatre, Melbourne
Departing Saturday 4th July 2015
Taking Bookings
Disney on Ice - Dare to Dream
Hisense Arena, Melbourne ,
Departing Saturday 4th July 2015
Taking Bookings
UK & Ireland with Paris & Dubai
36 day tour
Departing Sunday 19th July 2015
Early Bird Must Close 31 March 2015 - Guaranteed Departure
Taking Bookings
Discover Vietnam & Cambodia
19 day tour
Departing Tuesday 1st September 2015
Includes FLY FREE Early Bird - Guaranteed Departure
Taking Bookings
Spirit of the ANZACS - The Arena Tour
Rod Laver Arena, Melbourne
Departing Friday 11th September 2015
Taking Bookings
New Zealand Grand Tour
22 day tour
Departing Saturday 10th October 2015
FREE Suitcase with every EARLY BIRD Booking!
Taking Bookings
Tamworth Country Music Festival 2016
10 day tour
Departing Sunday 17th January 2016
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text:
Research Article
Article first published online: 26 JUL 2012
DOI: 10.1002/sim.5525
Copyright © 2012 John Wiley & Sons, Ltd.
Statistics in Medicine
Volume 32, Issue 1, pages 67–80, 15 January 2013
Additional Information
How to Cite
Paul, P., Pennell, M. L. and Lemeshow, S. (2013), Standardizing the power of the Hosmer–Lemeshow goodness of fit test in large data sets. Statist. Med., 32: 67–80. doi: 10.1002/sim.5525
Publication History
- Issue published online: 11 DEC 2012
- Article first published online: 26 JUL 2012
- Manuscript Accepted: 21 JUN 2012
- Manuscript Received: 22 JUL 2010
- Abstract
- Article
- References
- Cited By
- goodness of fit;
- Hosmer–Lemeshow test;
- logistic regression;
- power;
- perinatal epidemiology
The Hosmer–Lemeshow test is a commonly used procedure for assessing goodness of fit in logistic regression. It has, for example, been widely used for evaluation of risk-scoring models. As with any statistical test, the power increases with sample size; this can be undesirable for goodness of fit tests because in very large data sets, small departures from the proposed model will be considered significant. By considering the dependence of power on the number of groups used in the Hosmer–Lemeshow test, we show how the power may be standardized across different sample sizes in a wide range of models. We provide and confirm mathematical derivations through simulation and analysis of data on 31,713 children from the Collaborative Perinatal Project. We make recommendations on how to choose the number of groups in the Hosmer–Lemeshow test based on sample size and provide example applications of the recommendations. Copyright © 2012 John Wiley & Sons, Ltd.


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Day in History: Pearl Harbor; Crossing the Delaware; United Creash; John Lennon
Updated: 12/08/2013 - Today in History: On Dec. 8, 1941, the United States entered World War II as Congress declared war against Japan, a day after the attack on Pearl Harbor. In 1776, during the Revolutionary War, Gen. George Washington's retreating army crossed the Delaware River from New Jersey into Pennsylvania. In 1972, a United Airlines Boeing 737 crashed while attempting to land at Chicago-Midway Airport, killing 43 of the 61 people on board, as well as two people on the ground; among the passengers who died were Dorothy Hunt, wife of Watergate conspirator E. Howard Hunt, U.S. Rep. George W. Collins, D-Ill., and CBS News correspondent Michele Clark. In 1980, rock star John Lennon was shot to death outside his New York City apartment building by an apparently deranged fan.


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Episode 63 — Excellent eye
The eye can detect a single photon of light, the faintest light possible. Despite some evolutionists claiming that the eye is badly designed, it is impossible to improve on this sensitivity! Richard Fangrad and Calvin Smith explain why the eye is still a great example of design.
Main articleFrom Creation magazine 30(3) Excellent eye: Better than any camera
- Did eyes evolve by Darwinian mechanisms
- Mueller cells backwardly wired retina v Dawkins
- Müller cells refuting Dawkins: feedback
- Response to PBS/Nova Evolution series -- Episode 1: Darwin's Dangerous Idea
- Fibre optics in eye demolish atheistic 'bad design' argument
- Refuting Evolution 2 -- chapter 7: Argument: 'Bad design' is evidence of leftovers from evolution
- An eye for creation (George Marshall interview)
- Where are the emperor's clothes?
- Lobster eyes—brilliant geometric design
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When are pumkins ripe?
I have some small pumpkins that are completely orange and I am wondering if they are ready to pick but I am not sure how to tell when it is time.
They are only supposed to get as large as a human head and they have already reached that size.
Any info would be appreciated, Gurley
They are ripe you should pick them. I made the mistake of not wanting to pick orange pumpkins once because it was "too early" only to find that when I did pick them they had rotted on the underside because they were overripe and the vines weren't even dead yet. Also if you pick it now that will give the vines more energy to make you some more pumpkins. Just because it is not October doesn't mean you can't have pumpkins yet :) As a matter of fact I still have several in my living room from last season. They keep surprisingly well if stored properly.
Thanks so much for the advice. I went ahead and harvested mine. I still have several more on the vine.
Mine are sugar pumkins so they are as big now as they are supposed to get.
It is so hot and humid here that they probably stand a good chance of rotting if left out till fall.
They ripen faster in the sunlight. If there are leaves over top of the pumpkin you can either move them out of the way or simply cut them off. Have the pumpkins started turning orange at all? If they have then they will continue turning orange on their own. If there is a danger of frost you should harvest them. If they are still light green then maybe you can try fertilizing them and hope they grow faster. If they are dark green then they should start turning orange soon.


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Rose excited over U.S. Open win
Justin Rose comments on his victory at the U.S. Open.
(00:51) | June 17, 2013
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Tiger Woods wants to play on 2016 US Ryder Cup team
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Madsen and Horsey share lead in Pretoria
Golf Video: A dramatic hole-in-one propelled Denmark's Morten Orum Madsen to a share of the first round lead with David Horsey at the Tshwane Open in Pretoria, South Africa on Thursday.
(01:23) | Mar 13, 2015
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Dunga's Brazil on a good pace
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Trophee Hassan II
Emotional Richie Ramsay claims victory at Trophee Hassan IIScotland's Richie Ramsay recovered from seeing a three-shot lead disappear in the space of two holes to win the Hassan Trophy after a rollercoaster final round on Sunday
Valero Texas Open
Walker on course for Texas Open winJimmy Walker will take a four-shot lead into the final round of the Valero Texas Open after carding a three-under-par 69 at TPC San Antonio on Saturday
Trophee Hassan II
George Coetzee battles back to keep Masters dream aliveGeorge Coetzee staged a superb fightback to keep his hopes of qualifying for the Masters alive in the Hassan Trophy at Golf du Palais Royal
Trophee Hassan II
Fleetwood in Masters contention as Sullivan misses outGeorge Coetzee and Tommy Fleetwood remained in contention to secure a place in the Masters as Andy Sullivan, Alexander Levy, Marcel Siem and Ross Fisher all missed out in Morocco
Texas Open
Aaron Baddeley holes par-4 birdie from tee box, while Phil Mickelson loses his headAaron Baddeley's tee shot on the par-4 17th Thursday at the Texas Open would have been the second hole-in-one on a par 4 in PGA Tour history had he only taken a mulligan
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Quote Unquote
"Yeah, I'm p***** off"
Kiwi collapse
Who was the New Zealander who surrendered the 1978 Open Championship to Jack Nicklaus?
Going low
Has anyone shot a round better than 63 at the British Open? And who has shot in the 60s most often - Jack Nicklaus?
Flying albatrosses
How many golfers have shot an albatross at the British Open?
Swedish swing
Annika Sorenstam was recently made one of the first female members of the R&A. Did she win more women's golf majors than anyone else?
New faces
The winners of all four golf majors in 2011 were new ones - they hadn't won one before. How rare is this?


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The Official Mandy Monroe Adult Model Website
The official website of Mandy Monroe, the petite swinger wife. Includes pictures, videos, camshows, and more information about Mandy including how you can meet her.
mandymonroe.com GENERAL INFORMATION
Length : 11 characters
|Subdivision of the domain
|mandymonroe.com is top level domain
|Character Set
|Sum of Loaded Time
|1.468 Seconds
|Loaded Speed Graph
mandymonroe.com SUMMARY
|Programming Language
|Web server
|Apache/2.2.26 (Unix) mod_ssl/2.2.26 OpenSSL/1.0.1e-fips DAV/2 mod_bwlimited/1.4
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ICBA Launches Petition for Call Report Relief as Part of War on Excessive Regulation
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Increasing regulatory burden saps resources that could promote economic growth
Washington, D.C. (July 28, 2014)—As part of the Independent Community Bankers of America's® (ICBA) war on community bank regulatory burden, the association today launched a petition calling for relief from increasingly onerous quarterly reporting requirements.
These reporting requirements are part of the broader problem of community bank overregulation that inhibits economic growth in communities nationwide. In the recently released 2014 ICBA Community Bank Call Report Burden Survey, hundreds of community banks of all sizes reported significant expense and human resource allocations required to complete the call report four times each year. As a result of the overwhelming feedback, ICBA is seeking signatures for a petition that highlights the increasing length and complexity of the quarterly call report and advocates streamlined reporting rules to help community banks devote more of their resources to their customers and communities.
"The call report is one piece of the overall regulatory tsunami that needs to be addressed before community banks are swept off the face of America's banking landscape," ICBA Senior Executive Vice President and Chief of Staff Terry J. Jorde said. "With 80 pages of forms to complete, more than 670 pages of instructions and another 57 pages recently proposed to implement the provisions of Basel III, the quarterly call report is reflective of the growing regulatory red tape strangling community banks. As a former community banker, I understand firsthand how the additional staff time and resources that community banks devote to regulatory paperwork takes away from valuable resources better suited for local economic growth and job creation."
ICBA's petition cites data from the call report survey, which found that the annual cost of preparing the call report has increased for 86 percent of respondents over the past 10 years and that community banks are spending hundreds of hours and thousands of dollars each year to comply. It notes that new Basel III regulatory capital changes have added further complexity to an already exhaustive call report system and that the frequency and volume of information community banks are required to report do not properly consider the size and complexity of these already highly regulated institutions.
The petition also reiterates ICBA's call for revised rules that would allow highly rated, well-capitalized community banks to file a short-form call report for the first and third quarters of each year. This streamlined report would provide sufficient information for regulators to monitor safety and soundness while being significantly less burdensome to prepare, allowing community banks to focus more resources on their customers and communities. According to ICBA's call report survey, 98 percent of respondents said the short-form call report would reduce their regulatory burden, and 72 percent said the reduction would be "substantial."
Community bankers can visit ICBA's Be Heard grassroots website to sign the petition today.
About ICBA
The Independent Community Bankers of America®, the nation's voice for more than 6,500 community banks of all sizes and charter types, is dedicated exclusively to representing the interests of the community banking industry and its membership through effective advocacy, best-in-class education and high-quality products and services.
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Situated in High Point, this hotel is in the same area as Guilford Technical Community College and Oak Hollow Mall. Regional attractions also include High Point University and Bicentennial Garden.
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In addition to complimentary wireless Internet access and microwaves, guestrooms feature air conditioning along with coffee/tea makers and irons/ironing boards.Information missing or incorrect? Tell us!
Hotel Amenities
Hotel Amenities
A computer station is located on site and high-speed wireless Internet access is complimentary. This hotel offers access to a business center, a meeting room, and meeting rooms. A complimentary breakfast is offered each morning. Event facilities measuring 500 square feet (46 square meters) include conference space. Onsite self parking is complimentary.
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Who we are
Sebastian Diemer and Alexander Graubner-Müller founded Kreditech in 2012 and have been leading the company as CEO and CTO ever since. What started with 2 guys, 1 vision and 0 EUR in their own capital has grown into a global corporation turning their vision into the banking standard of tomorrow.
Background pirates
Sebastian Diemer
Sebastian built Kreditech based on his vision of building a digital bank that replaces traditional brick and mortar banks. Sebastian is an expert in growth management, company building, internationalization, big data and the global fintech sector. He has previously held a management position at Rocket Internet and led Gigalocal as its CEO. Sebastian holds a degree in management and strategy from the London School of Economics.
Sebastian Diemer
Alexander Graubner-Müller
Since an early age, Alexander has been obsessed by computers and engineering, always trying to find real-live challenges which he can solve by technology. Starting in academia, Alexander lead various research projects on big data applications and developed quant trading algorithms at a hedgefund fund prior to joining Rocket Internet, were he was in charge of engineering and product management for various portfolio companies. He studied at the University of St. Gallen as well as at the Swiss Institute of Technology (ETH Zürich) and holds dual BSC degrees.
Alexander Graubner-Müller
Rene Griemens
Rene, CFO of Kreditech, brings in his financial and entrepreneurial expertise from 20 years of experience in the banking sector in addition to 15 years of experience in building companies. He previously worked for top-notch companies across Europe such as McKinsey & Company, Citibank, dooyoo Group, and IEG Investment Banking. With his background in corporate finance and strategic management he leads the global financial strategy of Kreditech.
Rene Griemens
Top 3 nationalities
Samir El-Alami
Samir El-Alami believes in pragmatism, logic, hard work and unicorns. He is experienced in building and managing marketing teams within high growth international startups over the past six years. Entrepreneurial at heart, he has co-founded several affiliate websites and an agency. In his spare time Samir is an avid artist, guitar player, martial artist and reader. He studied Archaeology at University mostly because it was interesting.
Samir El-Alami
Jose Garcia Moreno-Torres
Jose Garcia Moreno-Torres, CDO at Kreditech holds a PhD in Artificial Intelligence and has been an invaluable member of the Kreditech team since April 2013. He oversees all data-driven modelling and automated decision making. When given enough data, he can see into the future!
Jose Garcia Moreno-Torres
Andrew Shaw
Andrew, CIO of Kreditech, is overseeing Biz Dev and Operations. He previously worked in the New Business Development department at Macquarie Bank after graduating from the London School of Economics. His origins lie in South Africa, which means he learned how to surf and play rugby before he learned how to walk.
Andrew Shaw
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Oliver Prill
Oliver, the COO at Kreditech, has spent the better part of his life in top management positions for some of the biggest companies in banking and financial consultancy industries such as C&A Bank and The Royal Bank of Scotland. He brings to the table an inclusive leadership style, as well as extensive wholesale and retail financial services expertise. Oliver received his Ph.D. in Economics from the University of Oxford.
Oliver Prill
Anders Johnsen
Head of Country Management (SVP)
Anders, Head of Country Management, has been an entrepreneur for most of his life and has held numerous leadership roles within companies such as Rocket Internet, Groupon and Airbnb. He holds a BCom from UNISA and spends his spare time practicing mixed martial arts.
Anders Johnsen
Javier Pimentel
Head of Legal (SVP)
Javier, the Head of Legal, handles all the legal and regulatory aspects of the business, ranging from the licensing processes in all new markets to the protection of the group's IP portfolio. He is very passionate about the intersection between Law and Technology and speaks in the language of Law 2.0.
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Background conservatives
Ricardo Vidal
Head of Product Management (SVP)
Ricardo Vidal, Head of Product Management at Kreditech, has 15 years of hands-on experience in product development and Internet technologies. For the past six years he has focused his career on product management, and has worked at some of the best companies in their respective industries ranging from medical technology to renewable energy. Ricardo is originally from Portugal, and in his free time loves to travel the world; so far he has visited around 50 countries.
Ricardo Vidal
Lennart Boerner
Strategy & Special Operations (SVP)
Lennart is SVP Strategy & Special Operations, taking care of the group's positioning as the leading digital consumer finance provider. Before joining Kreditech, he helped restructuring, selling and integrating a German mid-cap bank. Lennart also worked in diverse financial institutions where he was involved in strategy development and investment banking. He holds a BSc from European Business School, Oestrich-Winkel and a MSc Finance from the University of St Andrews.
Lennart Boerner
Christian Miele
Head of Internationalization (SVP)
Christian Miele, Head of Internationalization, manages Kreditech's global expansion initiatives. He started his career at a VC fund, then became a Director at Rocket Internet and thereafter gained valuable experience as an entrepreneur as the Founder & MD of his own venture backed company. Being a tech enthusiast, Christian is an Executive Board Member of the German Startup Association e.V. He holds a B.A. in International Business from Cologne Business School.
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Tomas Marty
LATAM Regional Manager (VP)
Tomas, the Regional Manager for Latin America, has shown that he is not only a go-getter but also a talented leader of his team. Having worked for both Argentine banks and the multinational management consulting firm Accenture, he has both demonstrated and proved that he has the skill set to manage Kreditech's biggest operational continent. Tomas studied Economics and Business Administration at Pontifical Catholic University of Argentina in Buenos Aires.
Tomas Marty
Ruth Azzopardi
Head of Payments (VP)
Ruth, the Head of Payment Operations, has been with Kreditech since the very beginning. Starting in 2012 she now oversees payment processing and works closely with our Customer Care team to improve our services in the best ways possible. Ruth holds a Bsc. in Finance and Banking from the University of Malta.
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Thomas Antonioli
Head of Corporate Finance (VP)
Thomas is Head of Corporate Finance and responsible for M&A, investor relations, as well as equity- and debt-related topics. Prior to joining Kreditech, he served as Assistant Vice President in the M&A Advisory division of Commerzbank AG in London and Frankfurt. Thomas holds a diploma in Business and Economics from the University of Hamburg, as well as an MBA from INSEAD Business School.
Thomas Antonioli
40% women
Sebastian Ranzinger
Head of Business Intelligence (VP)
Sebastian is the Head of Business Intelligence at Kreditech. Having previously worked for Deloitte and Experteer, Sebastian brings years of analytical experience in fast paced working environments. He's responsible for structuring and analyzing vast amounts of data in order to ensure that all future business decisions are good decisions. Sebastian holds a Bsc. in Statistics from the Ludwig-Maximilian University in Munich.
Sebastian Ranzinger
Jonas Höflich
Head of Controlling (VP)
Jonas is the Head of Controlling and with more than 10 years of experience in the fields of banking and business consulting, he brings all the necessary qualifications and much more. Jonas received his diploma in economics from the University of Osnabrück. In his free time he enjoys football, diving and hiking.
Jonas Höflich
Danilo Falcão
Head of Infrastructure (VP)
Danilo Falcão is an experienced Unix Systems Administrator that has been designing, planning and improving networks and other systems' infrastructure for over 10 years. He worked for some of the biggest tech companies in Europe like Blackberry, Rocket Internet and Zerogrey. Danilo studied Information Technologies at Faculdade de Tecnologia e Ciencias and his hobbies include music, movies and new technologies.
Danilo Falcão
40 nationalities
Liuben Siarov
Head of Research & Development (VP)
Liuben joined Kreditech in April 2013 and co-developed the machine learning algorithms and prediction infrastructure at our technological heart. Now leading our R&D team, he guides the evolution of our industry leading scoring and risk management / asset allocation engines. Liuben holds a Ph.D. in Sociology and an M.Sc. in Finance. He is a geek, gamer, and above all – a dad.
Liuben Siarov
Alexander Korotkikh
Head of Engineering (VP)
Alexander is the Head of Engineering and has accumulated valuable experience from a variety of software companies leading up to his tenure at Kreditech. He is primarily responsible for managing software engineering. Alex received his Master's degree in Computer Science and System Engineering from Kharkiv National University of Radio and Electronics.
Alexander Korotkikh
Béatrice Castillon
Head of Office Management (VP)
Beatrice is the Head of Office Management and the Executive Assistant at Kreditech. She is a native of Hamburg and the main person in charge to make sure that Kreditech's office equipment keeps running like a well-oiled machine. In her spare time harmony and good group dynamics are essential too: Béatrice sings along with 45 people in a choir named "Cantaloop" which specializes in A cappella, pop, jazz and soul music.
Béatrice Castillon
220 employees
Alexander Schneekloth
Head of Online Marketing (VP)
Alexander is the Head of Online Marketing and he brings with him over five years of experience in various internet companies and a deep knowledge of the latest marketing strategies. Having already held a variety of management positions, Alexander knows all the ins and outs of the business and has his finger on pulse of the newest emerging trends in the field. He studied Marketing Communications at Medienschule Hamburg-Wandsbek.
Alexander Schneekloth
Anna Friedrich
Head of Communications (VP)
Anna is Kreditech's Head of Communications. She brings eight years of working experience in start-up communications, investor relations and event management, especially the Next Conference. Specialized in the online industry with a widespread network of journalists and influencers, Anna also has hands-on knowledge in Social Media and Community Management. She received her Master's degree in Media Practice with focus on Public Relations from the University of Sydney.
Anna Friedrich
Anne Martens
Head of HR (VP)
Anne, the Head of HR, joined the team in September 2014 and oversees all employee and recruiting-based operations. She previously headed the HR & Services department at etruvian Group and was also the Project Manager for E-recruiting & Employer Branding at Cyquest GmbH. Anne is fluent in four languages, has a diploma in Psychology from the University of Bremen and a European Master in Industrial Relations. In her spare time she enjoys cooking, photography and Tango Argentino.
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A Glen Burnie man who prosecutors say targeted Hispanic men to rob because he didn't believe they would show up in court has been sentenced to 17 years in prison.
Annapolis shooting sparks gas scareComment
A man was shot in the head and another in the back in a shooting in Annapolis that sparked a gas leak scare.
Annapolis police to start false alarm crackdownComment
Police in Annapolis are cracking down on false alarms. There will be no fines for the first or second false alarms, but $100 will be assessed for the third and fourth false alarms within a year.
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Annapolis Police say that 30-year-old William Ranaldo Brown flashed a handgun at a mother as she walked down the street and threatened to kidnap her son. He now faces multiple charges, including attempted kidnapping.
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