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Tuesday, August 21, 2012
3 comments
Sunday, August 19, 2012
1 comments
Friday, August 17, 2012
4 comments
Oooh Something just made my heart flutter..
And he goes by the name of Nate:
He called me up pretending to be taking a survey,
He said he worked for water irrigation sp... Read more
Thursday, August 16, 2012
0 comments
Went for a swim today with Marice and her little 2 year old daughter (cuties!)
and Charmaine came over to the pool and yelled "That's not exercise!" and it wasn't.. lol. She demanded I go to Aquacise with her..
and why not!! If it just fini... Read more
Wednesday, August 15, 2012
4 comments
Aquacise was SO fun the other day.. like really
About an hour later, my skin felt fresh, I felt alive and vibrant and wonderful!!!! just absolutely wonderful and positive and happy
Infact I went with it and had a dance party at home to the s... Read more
Monday, August 13, 2012
6 comments
I got my excel programme to write this for me :D You can see some hidden ones here too :D ok .. re loaded it.. surely they dont have 1000 icons?? Oh nope.. 756 is their top one :)
Please leave a comment in the end, using your new favs ... Read more
Sunday, August 12, 2012
5 comments
Tuesday, August 07, 2012
2 comments
Friday, August 03, 2012
6 comments
Thursday, August 02, 2012
2 comments
Welcome to my goals for August :) I will try to only keep it down to one or two per each of this 10 step system, so that it's possible?
1) Read more
Wednesday, August 01, 2012
1 comments
Sunday, July 29, 2012
2 comments
It's Monday and I have depression. I have noticed I typically have an awful Monday nearly every week since being in a relationship. All weekend I have to put myself second, I don't get anything achieved and all the errands pile up, this weekend ... Read more
Monday, July 23, 2012
5 comments
isn't it the most addictive substance in the world or something?
I recently took notes from a lovely article on here about emotional eating:
"improove your mood without food"
Read more
Friday, July 20, 2012
7 comments
Wednesday, July 18, 2012
11 comments
Do you identify with the girl of the left, more so than the girl on the right�Like I do? If so, then that is what I define as a curvy girl. (Which is a good thing to me) ha... Read more


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F.V. Arul, retired Inspector-General of Tamil Nadu Police who died on Thursday, was a remarkable person. He was known for his fearlessness and integrity, qualities that have become rare in the civil service today. His knowledge of policing was phenomenal and he set high standards for the rest of his force to emulate. He had the ability to command the loyalty of all those who worked for him. He was polite to politicians but never bent backwards to please their sometimes unreasonable and unethical demands. His belief in the welfare of the constabulary was strong and he did a lot to improve their working and living conditions. I will personally remember him for the courtesy he extended to me as a junior officer.
R.K. Raghavan,
Arul had a spectacular career. Besides being an honest and upright police officer, he was a gracious human being. He was admired and loved by fellow officers. Very few officers are above the dictum `power corrupts.' Arul tops the list.
J. Eden Alexander,
Thanjavur, T.N.

subset: commoncrawl


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Adrian Dix
Ewart: Coal growth a risk to 'green' desiresIn June, Vancouver was honoured as a green champion by the Canadian Federation of Municipalities.
Never mind a Canadian Energy Strategy, Alison Redford needs an Alberta Energy StrategyIt's good to see the federal government has provided a valuable reality check on Alison Redford's grandiose vision of a so-called Canadian Energy Strategy. Just because you capitalize the term and try
Be thankful Christy Clark isn't Alberta's premierMany Albertans have perhaps scratched their heads at the prospect of British Columbians electing an NDP government to replace the right-leaning Liberals. The gaffes of one NDP premier after another surely


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Objective: 1) Calculate the divisional and the company cost of capital and explain the calculation. 2) Evaluate Marriott's use of company cost-of-capital rate for the individual divisions. Cost of Capital for Lodging Division can be expressed as CC = We*Ce + Wd*Cd.
For the weights of debt and equity (We and Wd), the 1988 target-schedule rates of debt-to-assets and debt-to-equity were used as the only measures available in the case.
Cost of Equity (Ce) was calculated based on the CAPM formula. 30-year T-bond was used as a long-term risk-free security to get the risk-free rate, since Marriott used the cost of long-term debt for its lodging cost-of-capital calculations. The market premium 8.47 was the arithmetic-average spread between the S&P 500 returns and the short-term US T-bills between 1926-1987. This market premium is consistent with the current academic suggestions and it was used in all calculations of this exercise.
The leveraged Beta (Bl) of the lodging division, needed for CAPM, was derived from the following equation: Bl=Bu(1+D/E), where Bu is the unleveraged Beta. Bu was in turn derived from the weighted-average of the Bu's of the lodging businesses given in the case. The weighted-average method rather than a simple arithmetic-average method was used to allow a more accurate Bu of the overall industry.
Cost of Debt (Cd) is defined as (risk-free rate)+the premium (Table A of the case). Once again, the 30 T-bond rate was used for the risk-free rate. Cost of Capital for Lodging is 13.24%.
The WA Bu of today's lodging industry is slightly higher than that in 1987, indicating a slight increase in the business risk associated with the industry.
Cost of Capital for Restaurant Division was calculated in the same manner. The 1-year T-bill was used as a usual shorter-term security to obtain the risk-free rate. The unleveraged Beta, used to obtain the leveraged Beta for the CAPM, was once again the weighed-average of the unleveraged B's of the restaurant industry representatives given in the case. However, the restaurants given for the calculation were mostly fast-food chains while Marriott operates rather middle-level restaurants. Today's WA Bu of the middle-class and upper-class restaurants appeared to be slightly higher indicating that the overall cost of capital for Marriott's restaurant division should be slightly higher. The cost of capital for the restaurant division is 14.85%.
Cost of Capital for Contracting Services Division was also calculated through the above methods. However, the unleveraged Beta could not be calculated in the same way as for the two other divisions due to the absence of the comparable businesses from which the unleveraged Betas (Bu) could be obtained. Consequently, the Bu was back-factored from the relationship between the divisional Bu's (or Buc - contracting, Bul - lodging, and Bur - restaunrants ) and the company Bu (or Bum - Marriott) expressed in the following formula:
Bum = Wl*Bul + Wr*Bur + Wc*Buc
where W's are the respective weight factors of each divisional Bu. The Bu is by definition a measure of risk associated with equity alone. The company equity can be viewed as a portfolio in which the divisional equities are individual investments. The contribution of each investment's Beta to the portfolio Beta is based on the portion of that investment in the whole portfolio which in this case is the portion of a divisional equity in the company equity (Ed/Ec).
The cost of capital for the contract services is 14.29%.
Marriott's WACC is 13.73%. It is the weighted average of the cost of company debt and the cost of company equity - which is mathematically the same as the weighted-average of the divisional costs of capital weighted based on net identifiable assets.
Marriott's WACC can be used to discount the multi-divisional projects that are impossible to evaluate by discounting their divisional components separately. However, the divisional WACC should be used for divisional projects. If the company WACC is used to discount divisional projects, both Restaurant and Contracting divisions may accept projects with returns below their WACC, thus resulting in losses; while the lodging division will use a higher-than-divisional WACC rate to discount its projects thus rejecting profitable projects and hampering its growth.


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SRA keeps '13 sugar output target
More News from Niña P. Calleja
The Sugar Regulatory Administration (SRA) has kept its sugar production forecast for crop year 2012-2013 at 2.356 million metric tons, despite the effects of two consecutive typhoons that hit sugar-producing areas last year.
Ma. Regina Bautista-Martin, administrator of the SRA, an attached agency of the Department of Agriculture, said sugar production from September to December 2012 had already reached 37 percent of the target or 872, 978.87 MT.
Sugar output so far was 27.19 percent more than the production recorded in the same period in the previous crop year.
The increase in production was attributed to the industry's early milling, higher rate of crushing and generally favorable weather conditions in the last quarter of 2012.
Martin said typhoons Pablo and Quinta that hit the Philippines last December largely spared the sugar-producing areas in the Visayas and Mindanao.
Meanwhile, based on SRA records, sugar withdrawals for domestic use from September to December increased by 28.61 percent for raw sugar and 22.80 percent for refined sugar.
Consumption is expected to increase this year due to stable sugar prices and the approaching mid-term elections, which is usually accompanied by increased spending and consumption.
Martin also expressed confidence that Philippine sugar will continue to be a dollar earner of the country with ready exports to major markets such as the United States.
The official said shipments under the US Quota program will start this month, while exports to other countries had already reached more than 20,000 MT.
SRA, however, anticipates a surplus in world sugar supply as a result of favorable crushing and weather conditions in some of the major sugar producing countries such as Brazil, India and Thailand.
Although ample world supply will put pressure on sugar prices, Martin said the SRA hoped that domestic prices would remain stable, as shown in the price movements over the past months.
"The need to increase productivity and reduce cost of production is even more imperative now," Martin said in a statement.
She noted that with the import tariffs at 18 percent starting Jan. 1, 2013, the industry must keep a watchful eye on the impact of the world market situation on local prices.
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Archos GamePad now available in the US
Despite an availability that was originally expected for February, the Archos GamePad is now available for those in the US. The Android running handheld game system is available by way of several retailers and has arrived at an expected price. The GamePad can be found with Amazon and for those looking for alternatives, it is also listed on Google Shopper.


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Walter de la Mare
7 of 64 portraits of Walter de la Mare
© National Portrait Gallery, London
Walter de la Mare
by John Stanton Ward
watercolour, 1956
18 3/4 in. x 12 3/4 in. (476 mm x 324 mm)
Given by Joyce Grenfell, 1982
Primary Collection
Click on the links below to find out more:
Sitterback to top
- Walter de la Mare (1873-1956), Poet and writer. Sitter in 64 portraits.
Artistback to top
- John Stanton Ward (1917-2007), Portrait painter, book illustrator and architectural draughtsman. Artist of 15 portraits, Sitter in 7 portraits.
Linked publicationsback to top
- Saywell, David; Simon, Jacob, Complete Illustrated Catalogue, 2004, p. 171


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The official weigh-ins for "Bellator 75" took place Thursday in Indiana.
All four Heavyweight Tournament quarterfinals matchups headline Friday's show. Eric Prindle (Pictured) and Thiago Santos serve as the night's featured attraction.
Horseshoe Casino in Hammond hosts the festivities.
SpikeTV.com will stream the night's prelims live beginning at 7PM ET/4PM PT. MTV2 broadcasts the featured fights at 8PM ET/PT.
However, fight fans can also stream the entire show live right here on 5thRound.com.
Here are the official results from today's weigh-ins:
Preliminary Card:
Cliff Wright (147.8) vs. Bobby Reardanz (146.2)*
Jose Medina (209.8) vs. Anthony Gomez (209.6)**
Jason Graves (171) vs. Rafal Skibinski (177.4)#
Joe Williams (170.8) vs. Rod Montoya (170.6)
Ryan Martinez (263.6) vs. Manny Lara (248.8)
Bo Harris (135.2) vs. Chase Beebe (136.2)
Main Card:
Heavyweight Tournament Quarterfinals:
Brett Rogers (265.8) vs. Alexander Volkov (225.2)
Vinicius Queiroz (247) vs. Mark Holata (249.2)
Mike Wessel (262.2) vs. Richard Hale (233)
Eric Prindle (264) vs. Thiago Santos (265.6)
* – 148-pound catchweight contest
** – 210-pound catchweight contest
# – 178-pound catchweight contest
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home > auto claims information > claims process
claims process
Part of making the claims experience an easy one involves giving you the info you need. Browse through these pages for a good look at every facet of a common car insurance claim.
We offer tips on how to navigate the claims process from beginning to end.
Hit by an at-fault driver? We explain how to file a claim with the other driver's insurer and when you should inform your own insurer.
Get the inside scoop on how subrogation works and what it means for you.
We break down the Esurance claims process in 4 easy steps.
Contact us | Privacy & security | Insurance rating & licenses | Terms of use | Site map
© 2015 Esurance Insurance Services, Inc. All rights reserved.


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A Salute To Spirit
By Dr. Tony Phillips – Science@NASA
At NASA, missions are expected to go the extra mile.
The Voyagers are, perhaps, the best known example. Launched in the 1970s to explore the outer planets, the iconic spacecraft have zoomed far beyond their original targets to the edge of interstellar space itself, 9 billion miles from Earth and still making discoveries. Pioneer 10 and 11, Ulysses, Stardust-NEXT, Deep Impact, and others have similar track records. It has become almost routine for superbly-engineered probes to wrap up their prime missions, then travel a few million (or billion) bonus miles for extra science.
Against this backdrop of sweeping overachievement, we pause to salute a robot that might never move another inch.
Well done, Spirit.
"For the past 7 years, Spirit has been on a journey as extraordinary as any mission in NASA history," says Mars Exploration Rover project manager John Callas of JPL. "But now it may be time to say thanks and farewell."
NASA hasn't heard from Spirit in more than a year, and on May 25th, 2011, the agency sent a final transmission in its series of attempts to regain contact.
The trouble began in April 2009 when the rover trundled into a sandtrap in a place called "Troy," breaking through an apparently safe crust into soft sand below. Stuck in place, Spirit couldn't turn its solar panels squarely toward the sun; at the same time, dust accumulated on the panels, reducing sunlight even more. These impediments curtailed power just when Spirit needed power most, during the deep freeze of an approaching Martian winter.
"Where Spirit is, winter temperatures drop as low as -130 C, far colder than any place on Earth," says Callas. "Without sufficient electricity to power internal heaters and warm critical systems, Spirit went into hibernation."
NASA has used Deep Space Network antennas and two of the agency's Mars orbiters to try to reestablish contact–but no luck. Whether the rover is damaged or merely "sleeping," no one can say, but most engineers believe the possibility of contact is now extremely remote.
Spirit landed on Mars on Jan. 4, 2004, for a mission designed to last merely three months. After quickly accomplishing its primary science goals, the rover went on to work for almost six more years. In all, Spirit has traveled almost 8 km, explored several large craters, scrutinized thousands of rocks, scraped off topsoil to reveal hidden minerals, photographed Martian dust devils and sunsets, observed the moons of Mars, and took the first picture of Earth in the night sky of another planet. Bonus-time, indeed.
Asked to name Spirit's top scientific discoveries, Callas lists three:
(1) Evidence of ancient hot springs. "This came about because of the failure of one of Spirit's wheels," he recalls. "Two years into the mission, the right front wheel stopped working–we're still not sure why. Spirit had to drag it along, cutting a furrow in the ground. This revealed deposits of amorphous silica widely thought to have formed in hydro-thermal systems. Apparently, Mars once had water and the energy to warm it. We might never have found this if not for the serendipity of the broken wheel."
(2) Evidence of a thick atmosphere and "sweet" water. Today the atmosphere of Mars is so thin, most life as we know it couldn't survive there. Spirit's discovery of carbonates at the Comanche Outcrop is compelling evidence that it wasn't always so.
Callas explains: "The carbonates Spirit found formed in surface water that could only exist with a thick atmosphere sitting on top of it to prevent rapid evaporation. Moreover, the chemistry of the carbonates tells us that the water wasn't acidic like other ancient water on Mars." Life would have liked this place, billions of years ago.
(3) Evidence of an active water cycle. The first thing Spirit did when it got stuck at Troy was to try to break free. Spirit's spinning wheels churned up the soil, uncovering sulfates. "These minerals appear to have come in contact with water perhaps as recently as a million years ago," says Callas. In geological terms, that's very recent, suggesting an active water cycle on the Red Planet.
Alone, any one of these discoveries would have been considered a resounding success by the mission's original planners in the 1990s. All three, plus others not listed, place Spirit squarely atop the pantheon of NASA's great overachievers.
Meanwhile, Spirit's twin rover Opportunity is halfway across the red planet, still going strong.
"Opportunity is in good health," says Callas. "The rover is about to log 30 km of distance since landing in 2004. We never dreamed of such a trek when the mission began. And years of additional service appear possible."
He cautions that Mars is a dangerous place, and the rover itself is in its senior years. At any moment, Opportunity could be engulfed in a storm, fall in a sandtrap, or simply break down due to old age.
When one of these things inevitably happens, Opportunity will join Spirit as a silent monument to grit, luck, intelligence "¦ and oh so many extra miles.
Image 1: A Martian sunset photographed by Spirit in 2005. Credit: Mars Exploration Rover Mission, Texas A&M, Cornell, JPL, NASA
Image 2: The Comanche Outcrop on Mars suggests a hospitable environment for life in the distant past. Credit: Mars Exploration Rover Mission, JPL, NASA
Image 3: This may be the last thing that Spirit ever saw–a panorama at Gusev crater before the rover's 4th Martian winter. Credit: Mars Exploration Rover Mission, NASA, JPL, Cornell; Image Processing: Kenneth Kremer, Marco Di Lorenzo
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