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5.0 stars 17 totalWrite a review
Posted by debiandrew
I spoke with Ryan 2 months ago, a week after my son's misdemeanor charge. He gave me precise information of how to be prepared for juvenile court for a Minor in Possession charge. His calm and collected demeanor was confidence-inspiring. We had our day in court today. The outcome was almost exactly as he suggested it would probably be. Many kudos to Ryan for instilling peace of mind.
Posted by a Juvenile client
I called Mr. Mcglinn on a Saturday and he returned my call the next day... on a Sunday evening! That alone was enough to impress me... very responsive and informative. He was calming with his tone of voice and word choice. He was communicative and inviting - keeping me abreast of his schedule and when I could expect to hear from him. He gave information I could immediately put into action. I highly recommend calling Mr. Mcglinn, talking with him and note for yourself his abilities.
Posted by a Juvenile client
I had a consultation with this lawyer. I applaud him for his honesty, but his knowledge of the juvenile dependency courts and how to navigate through them based on the truth and facts weren't good. He told me that I wasn't playing the game correctly, and that's why everyone was against me involved in the court system. We're talking about the lives of my children and family, and to be told that I should treat our life as a game is indignant. I was contemplating hiring him because of his touted experience and father's experience in the juvenile courts, but when he told me that because all the players were against me, he didn't feel he could handle my case, I was disappointed. So, that's why I was looking into hiring an experienced attorney in juvenile court, not because it was a walk in the park. The court appointed attorney was doing that job just fine. That's why people invest their money into an attorney, because IT IS A FIGHT!!!!
Posted by Rob
I was referred to Ryan via another Attorney. I left a message for Him about a very urgent juvenile custody legal manner. Being from Colorado I had spoken to several California Attorneys who were less than promising as well as pricey. He called me back within 10 minutes. I spent about 30 minutes with him consulting my case. He was professional, honest and was very genuine about his questions and how he could assist me. Being from out of state he answered all my questions and provided legal advice. By the end of my conversation I felt that I was prepared for court even without him. He offered a very fair rate which I will glad to pay should I need him in the near future. I would highly recommend Ryan as most qualified attorney and asset to anyone who employs his talent.!
Posted by Kyle
Ryan was an enormous help in a matter concerning a social hosting charge against my daughter. He very clearly explained the law, the possible consequences and what we could expect at the hearing. He was prompt, thorough, friendly, and really helped relieve a lot of the stress we were feeling.
I highly recommend Ryan to anyone facing a juvenile court issue.
Posted by Edgardo Pangan
If you are really serious in getting the work done right and looking for the victory you are praying for. I highly recommend Atty. Ryan McGlinn. He was able to help us when everything seemed hopeless. He is competent, knowledgeable and well experienced to turn your hopeless situation to your favor. This might surprise you from a client speaking about a lawyer, but with the knowledge Ryan has and his years of experience in court, he is not at all greedy but a man full of integrity! If you want positive results for any Juvenile cases, don't just go for anyone who will burn you financially and leave you in the dust; go for the best, and get Atty. Ryan McGlinn. I personally recommend him.
Posted by a Juvenile client
My wife and I had a unique situation in the neighborhood. Two young girls who we had grown to adore were eventually removed from the custody of their father by CPS due to substance abuse issues and the resulting neglect/abuse. Their mom was incarcerated at the time. The daily life of these two beautiful children was terrifying. We contacted CPS to see if we could help. Several weeks later the girls were living with us as part of the foster system. After 8-10 months of watching CPS try to reunify the girls with their father while all the while he was relapsing repeatedly we contacted Ryan. The father had come against us and most importantly was making the girls terribly uncomfortable on the phone and during the CPS required visitation. We were severely frustrated with the system which seems to favor abusers over children and we feared that the girls would be required to go back to live with their father against their will.
From the beginning Ryan was extremely diligent in gathering information. He stayed on us for a very detailed chronology and also obtained a devastating file of police reports on the mother. He made a solid case and was in touch constantly with Minors Counsel and CPS. First step, Ryan argued for and won de facto parent status for us. This gave us the right to be represented, cross examine witnesses in the trials to come, etc. After many hearings and delays due to lies from each of the parents, at 18 months the judge turned things in our favor by terminating both parents right to reunify. And 8 months later back in November 2013 parental rights were terminated. Pending the parents appeal the girls are all but free to be adopted into our family now.
It was clear that Ryan believed in our case from the beginning. His communication skills are at the highest level. He is very well respected by CPS, Minors Counsel and the adoption case workers. Each time he addressed the judge he spoke with authority, absolute knowledge of the law and persuasiveness based on the best interest of the girls. His line of questioning was devastating for the birth parents during testimony at the 18 month trial.
We highly recommend Ryan McGlinn for any similar case.
Posted by a Child Abuse client
Ryan McGlinn was highly recommended by two different lawyers when I was clueless of how to protect myself and my child and fight the wrong accusation claimed by the CPS. Ryan had me well prepared throughout the entire legal battle against the CPS. Not only he helped me to have my child back from the foster care in two days, he also won the case even though my chance of winning was 50/50. If you want someone honest, trustworthy to fight for you, you should definitely contact Ryan. Ryan knew the family court in CV very well and explained how and what I should do whenever I wasn't sure what to expect. He was very responsive to e-mails and phone calls even on weekends. He was also every reasonable with his rates, and I felt blessed to have him defend me in the midst of the emotional roller coaster that seemed to never end until the judge dismissed the case. It is one thing to be innocent, but it surely is a different matter to have a good defense attorney like Ryan McGlinn to fight for you and your child.
Posted by Lina
I would highly recommend Ryan M. as a great attorney. I called him for advice on my CPS issue and he was able to listen and advice me on what he thinks may be right to do but left the choice back to me of course. He seemed very knowledgable and smart. My case did not go to court so I did not need a lawyer and when I called him to thank him for advice he still gave me advice on a way ahead and what to look for. I believe that lawyers should be this way but ultimately they are here to help people in their stressful times. We spoke to 4 other lawyers and they all would not spend 5 minutes speaking to us unless we hired them first. It should not work this way and this is why I recommend Ryan M and his father.
Posted by Rebecca
My daughter and I hired Ryan McGlinn to represent my daughter and son-in-law in an out -of- state adoption of a baby who is a distant relative.. The odds were against us since there was also a couple from California who also wanted the baby. There were also complication from other biological relatives. After a year and several hearings, meetings, phone calls, emails etc. the child was sent to live with my daughter and son-in-law and this past year she became my grand-daughter.
I met Ryan once and instantly knew he would give this case every ounce of energy he had. He is very personable and has a sense of humor. He is great at explaining the law or situations so it is easy to understand. Also his prices were extremely reasonable. Although we were all living in another state, Ryan kept us informed. Once my daughter had a legal emergency on the weekend and Ryan called right back with the solution. Would I ever hire him again? Absolutely! Since I met him only once , he probably doesn't even remember me. I will always remember Ryan and I am so greatful to him. Thanks to him, my new grand-daughter is in a safe, loving home with a sister, brother and tons of relatives who love her.


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This profile for Celebrate Singles Church is located in Frisco, TX. Celebrate Singles Church industry is listed as Religious Organization.
Fred Pascarelli serves as the Principal and has interests in other corporate entities including Holly Lake Ranch Association located in Holly Lake Ranch, TX .
Key roles for Celebrate Singles Church
Fred Pascarelli
Comprehensive Insight Plus Report
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|The D&B Comprehensive Insight Plus Report for Celebrate Singles Church combines D&B's proprietary statistical scoring with business, payment and financial information all in one report.
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|The D&B U.S. Company Profile contains basic information such as address and telephone number, executive names and titles, line of business and SIC codes, D-U-N-S Numbers, organization status, and year and location of incorporation for Celebrate Singles Church.

subset: commoncrawl


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Word & Worth CeramicsMadurai, Tamil Nadu
Products & Services
Porous TubesWe are engaged in manufacturing and exporting a wide range of porous tubes.
Contact UsWord & Worth Ceramics Sterling Dean+91-9677595444
No. 52, SIDCO Industrial Estate, Kappalur
Madurai - 625 008
Tamil Nadu, India
Madurai - 625 008
Tamil Nadu, India
Send your enquiry to this supplier


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Dan Simpson: Americans have allowed guns to spread and unions to fail
Americans are acting against their own best interests by allowing unions to be smothered and by not controlling guns.
6 days ago
Dan Simpson: Postcard from Europe
Everyone's talking about Greeks, migrants and Russians.
1 week ago
Dan Simpson: In praise of contrarians
They keep us honest, or at least keep us thinking.
2 weeks ago


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DURANGO, Colo. (AP) The city of Durango has ordered the Durango Gun Club to abandon a requirement that its 700 members join the National Rifle Association or leave.
The nonprofit group has leased free from the city since 1963.
The Durango Herald reports club secretary and treasurer Joe Perino says the decision to require members to belong to the NRA is financial, not political. He says being a 100 percent NRA club makes the local club eligible for NRA grants, allowing members to make improvements to its shooting ranges.
KKCO firmly believes in freedom of speech for all and we are happy to provide this forum for the community to share opinions and facts. We ask that commenters keep it clean, keep it truthful, stay on topic and be responsible. Comments left here do not necessarily represent the viewpoint of KKCO 11News.powered by Disqus


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In this class you'll get hands-on training using essential hand tools--saws, chisels, and planes--while making a small box with simple and elegant joinery. If you're interested in making decorative boxes for jewelry, gifts, small storage, etc, this class provides a solid foundation of skills and techniques.
What we will cover:
- Overview of basic hand tools, usage and safety. - Review of the box project design, joinery, and techniques.
- Guided instruction as you build your own small hardwood box, which will involve sawing, chiseling, planing, and glue-up techniques. Fee is $90 plus $35 materials fee. Includes all materials and safety equipment.
Payments you make go to the organizer, not to Meetup. You must make refund requests to the organizer.
I started the group because there wasn't any other type of group like this. I've met some great folks in the group who have become close friends and have also met some amazing business owners.
— Bill, started New York City Gay Craft Beer Lovers
Meetup members, Log in
By clicking "Sign up" or "Sign up using Facebook", you confirm that you accept our Terms of Service & Privacy Policy


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Midday forecast: Brisk, breezy, mostly sunny
Mostly sunny skies throughout majority of New England with temperatures in the 40s
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National Gallery of Art 2014–2015
Drawing Workshops
Fridays from 10:30 a.m. to 1:00 p.m.
Saturdays and Sundays from 1:00 to 3:30 p.m.
Join us for sketching and conversation in the galleries. Led by practicing artists and museum educators, this series of workshops integrates art history and studio art practices. The workshops are designed for all skill levels; beginning and advanced participants are welcome. All drawing materials are provided. Ages 18 and over. For more information, contact email@example.com.
This program is free but space is limited. Advance registration is required. Each topic is offered five times. Please choose one date per topic. Registration opens at noon on the Monday before each new topic; if the link is not working, refresh your Internet browser.
The 2014-2015 season has ended. Please check back in September for next year's schedule.


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Member since Apr 2012
0 Curated Comments,
2 Total
Welcome to blogosphere. I'll look forward to a future post about what kinds of amenities one can expect with private …
I'm looking for some common ground here.
"Pink slime" is clearly inflammatory.
LFTB is clearly intended to disguise its contents.
How about …


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Gov. John Kasich announced a plan to boost to broadband network speeds, introduced a new award honoring courageous Ohioans and said shale drilling shouldn't come at the expense of the environment in an annual State of the State speech mostly devoid of big initiatives.
Gov. John Kasich announced a plan to boost to broadband network speeds, introduced a new award honoring courageous Ohioans and said shale drilling shouldn't come at the expense of the environment in an annual State of the State speech mostly devoid of big initiatives.
Kasich spoke for nearly 90 minutes in a rambling, unfocused address in the auditorium of an elementary school in Steubenville, the first time the speech has been given outside of Columbus.
He said the state has come far from a year ago when it faced an $8 billion budget hole and was ranked 48th nationally in job creation.
"We just looked at the problems honestly," Kasich said. "If you look at a problem and you see what it is, and you design a solution, it's amazing how far you can go."
Kasich announced a program that will use new technology to open up the state's broadband infrastructure. The Ohio Board of Regents said the state will invest about $10 million to connect areas around the state with the faster network connections.
Kasich's new "Governor's Courage Awards" honored a woman who lost her son to prescription painkiller addiction, another woman who survived being a victim of human trafficking to become a social worker, and the family of a soldier killed in Afghanistan.
He also said the state needs to allow felons who have served their time to work certain jobs such as cutting hair or driving trucks that are currently off-limits.
A few protesters temporarily interrupted the speech about an hour and 10 minutes into it, as Kasich was talking about drilling for natural gas in eastern Ohio.
"We can't degrade the environment at the same time we're developing this industry," Kasich said.
His speech also included a few comments that puzzled listeners, such as when he said that he "never looked back" when he left politics, presumably referring to his time in Congress. He was elected as a Republican governor in 2010.
He also referred to people in California as "wackadoodles." And he had no sooner told the emotional stories of his first two courage award winners than he added, "We don't want to see those on eBay, ladies."
The speech was a chance for him to reconnect with voters after last year's bitter campaign over public worker union limits. A bill overhauling Ohio's collective bargaining law was repealed by voters in November.
Outside the school, housed at Steubenville High School, about 100 demonstrators who gathered outside the school. Some came to oppose the use of hydraulic fracturing to reach Ohio's oil and gas resources, while others demonstrated in support of the Occupy movement.
Shane Hanley, 47, a locked-out worker with Cooper Tire & Rubber Co. and member of the steelworker's union, drove the 3.5 hours to Steubenville from Findlay.
Page 2 of 2 - He and four others came to "let the governor know we ain't forgotten what he did last year."
He said the steelworkers were instrumental in getting the voters to reject the collective bargaining law. "The union movement ain't going away and don't forget that."
Neither Kasich's critics nor his close advisers expected Tuesday's address to be detail-heavy. Kasich dislikes delivering prepared speeches and shuns teleprompters.
It went nearly one hour and 25 minutes on Tuesday.
On Monday, Ohio Democratic Party Chairman Chris Redfern predicted "an extended speech with little in the way of nouns, adverbs, subjects and predicates."
Redfern assembled reporters ahead of the speech to tout the role he says was played by President Barack Obama, U.S. Sen. Sherrod Brown and other Democrats in the jobs recovery that he expects Kasich to highlight.
Ohio unemployment fell to 8.1 in December, down from 8.5 in November and from 9.5 in December 2010.
"It's not about moving Bob Evans across town. It's about investing in American automobile jobs that help real communities like Defiance in a tangible, trackable, empirical way," said Redfern, referring to the relocation and expansion of Bob Evans Restaurants from Columbus to neighboring New Albany. "That's what this president did along with Senator Brown and others, and no amount of looking the other way by this governor will change that."
Kasich spearheaded the creation of JobsOhio, a private, nonprofit job creation board that will use proceeds from state liquor profits to invest in economic development. The deal is complex, and it took much of his first year to iron out technical details, navigate legislative approval, and field legal challenges.
The governor has credited new policies he says have made the state more business-friendly.
Steelworker Hanley said he would like to hear that the governor is going to bring jobs back to the state.
"Not just minimum wage jobs, but good-paying jobs — $15, $16, $17 an hour jobs because that's what you gotta have to survive anymore," he said. "It's time to bring the jobs back, quit sending them out to your buddies that's got corporations and stuff. Quit letting them make all the money because the economy don't run without us."
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The historic preservation program at University of Mary Washington (formerly Mary Washington College) in Fredericksburg, Va., is a member of the National Council for Preservation Education.
If there's one thing I've learned working at the National Trust for Historic Preservation, it's that the key element to saving places is partnerships. So when I set out earlier this year to create a list of preservation organizations, I knew I would have to leave some out.
Today's list, then, is a follow-up -- additional groups that can be key to getting preservation work done. And I'm sure there are still more we could include, so feel free to mention additional partners in the comments.... Read More →
The National Trust for Historic Preservation works to save America's historic places. Join us today to help protect the places that matter to you.
Sarah Heffern
Sarah Heffern is the social media strategist for the National Trust's Public Affairs team. While she embraces all things online and pixel-centric, she's also a hard-core building hugger, having fallen for preservation in a fifth grade "Built Environment" class. Follow her on Twitter at @smheffern.


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Flux and Xanth discuss the Diablo 3 PvP system delays and the abrupt change from a team deathmatch to duel system. Disappointment, relief, and surprise are the order of the day.
This is a double show, since we'd recorded one on various topics just before Xmas, but before I could post it the new PvP details were revealed. So Xanth and I talked about the PvP info Thursday evening and I added that conversation to the PvP content from the earlier podcast.
Podcast guests wanted! I mentioned this last time and heard from a lot of volunteers, but I'm still looking for some more new/fresh voices to appear on the podcast. If you're interested you need to be an active Diablo III player with good verbal skills, a decent quality headset/mic, a Skype account, and thoughts/ideas/opinions/interests about D3. If you're interested, contact firstname.lastname@example.com with a brief note about your D3 play experience and what topics you'd like to discuss on The Diablo Podcast.
(Also, if you're one of the several people who volunteered last time but who I never met for an audition chat, sorry about that. If you're still interested email me or IM me on Skype and we'll find a time that works.)
The Diablo Podcast Episode Guidein the DiabloWiki provides links to every show, plus quick summaries.
Podcast: Play in new window | Download (Duration: 54:38 — 50.0MB)
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Phone Number▒▒▒▒▒▒▒▒▒▒▒ 93
Reviewed13 Reviews
Ricardo has completed online and offline ID verification.
Reviews (13)
Reviews From Guests
Ricardo was an absolutely wonderful host! His apartment was as described- amazing views of the Marina, 5 min walk to El Born, great restaurants around the area, the beach just a few short blocks away and the Barceloneta metro stop made it very convenient to get to other parts of the city. There is one thing though- the apartment is on the 5th floor of a low-rise building, so it can be quite noisy with the late night revelers, motor-bikes, and sanitation trucks at the early hours in the morning-- but nothing that a pair of earplugs can't solve! Ricardo was very helpful in giving recommendations and gave us lots of privacy as well. His apartment is very clean and organized. He has great taste in music too! Two thumbs up for the 'Amazing View' apartment!
Our stay at Ricardo's place was very enjoyable..The apartment is well located on the marina, close to the beach and within easy walking distance to the old town and the main centre. Ricardo was an excellent host: answering questions and giving good recommendations, helping us book and print train tickets, ect. He was very pleasant to chat with over a drink or two..We recommend staying at his apt..
We cannot say enough lovely things about Ricardo and his apartment. The location was perfect, the room was beautiful and he made us feel so welcome in his home. Not only was he helpful with advice about the city but he let us leave our valuables with him while we travelled around Spain and happily gave us a refund when we mistakenly double booked a night. We'll definitely be back when we next visit! Ali and Jenn.
Ricardo was a great host, offering us information on places to visit, his favorite personal restaurants, and a home with beautiful views of the marina and downtown Barcelona at sunset. He also helped us out a great deal when the airline lost our luggage. We enjoyed the location in Barceloneta with a very local feel at the neighborhood Mercado and bread store. Highly recommended!
Ricardo was very helpful and nice and his place is beautiful and immaculate. Views are amazing. A fantastic experience!
We had a great time staying at Ricardo's. Nice room with great view, clean place and a very nice host. Ricardo gave us cool recommendations for restaurants and places to visit beyond all available city guides. Thanks again for all, Ricardo!
Ricardo was a very kind and accommodating host and the room was clean and comfortable (with the great view that was promised). On top of that, the location was a quick and easy walk to the center of town, so definitely a great place to stay!
Ricardo's home was clean, roomy, and comfortable. Ricardo himself was a wonderful host. He was accomodating, helpful, and kind. The location was incredible, with a close walk to the beach, the city center, food market, and train station. We would love to return!
The best host......the best place in terms of location, view, cleanliness, kindness, secure, .........The best..... went to City park hotel and then to Catlania Hotel and by far this was the best. I will recommend this to any one. It is good for metro and bus and food market.........I loved it
Reviews From Hosts
Very nice and friendly Ricardo enjoyed the stay with us. Fully recommended
Ricardo is a nice guest, he is my first guest here, I am glad to host him, He is very independent, highly recommended! We shared some nice conversation. Good luck!
Ricardo is a very nice, sincere guest. Neat and clean, taking good care of the house. We share different experiences from travel., food work..., nice to share my place with him!! ;-)


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100% Polyester
June 25, 2015
Good quality, spacious and comfortable to wear.
Comfortable bag with plenty of space for what i will be needing.
June 24, 2015
Excellent bag brought for sons camping trip with the cubs and was half price
June 16, 2015
Sturdy, well made
June 08, 2015
After 20 years i had to replace my old rucksack. this is an ideal replacement with sections to keep items separate. great to have all the straps again - i had lost a few from my old one!
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Investor Pages Research By Pam Spooner The one stop comparison May 2010 website for private investors Background note to property investment markets – May 2010 With specific focus on the hotel and leisure sector, and fractional ownership concept ✱ 1. COMMERCIAL PROPERTY – Advisory (another tracker of property in the across retail, office and industrial still falling. OVERVIEW region) said that rental values in both residen- Only residential US property showed gains in Mixed signals have emerged from the com- tial and commercial property in Dubai are both capital and income (rental) returns. mercial property sector over recent months, likely to continue falling in coming months, In the UK, there have been signs that the particularly in the UK, but also in various especially for lower quality buildings in the London office market is improving. Property other regions around the world. The massive least developed and integrated communities. giants British Land and Land Securities both problems in Dubai, for example – where Nevertheless, Landmark also suggested that reported stronger full year numbers, in late some US$323 billion worth of construction certain residential units in key locations and May, and both issued positive statements on projects are now reckoned to be on hold – hit within high quality developments should see recovery after better conditions became appar- the headlines in late 2009 and have since sent stable prices. ent in the second half of 2009/10. shock waves through bond and equity mar- There was some good news from the US Land Securities, for example, reported a kets around the world. property market in early May. The Investment pre-tax profit of over £1 billion, against the The situation in Dubai appears now to have Property Databank (IPD) Index showed the £4.8 billion loss declared for the year to 31st stabilised, after the state-owned Dubai World first positive return in more than 18 months, March 2009; most of the 2010 'profit', however, reached a repayment agreement with creditors with the US quarterly Index showing a 1.2% came from a valuation surplus of over £860 on US$23.5 billion of debt. Also, Meed Projects total return for Q1-10; within that figure there million. Revenues actually fell 20% to £251.8 (which tracks the construction industry in the was a 0.5% decline in capital values in million. British Land reported a return to prof- Middle East) says around US$114 billion of the quarter. it, with its portfolio valuation rising 13.5% new projects will be awarded in 2010. Sector figures from the US, however, against the prior year, and NAV up 27% However, there are still plenty of uncertain- showed that commercial property in the to 504p. ties in regard to values. Last month Landmark region is still in trouble, with capital values Yet the optimism from these commercial 3 Year Performance Graphs - GBP Total Return 1 Year Performance Graphs - GBP Total Return FTSE ALL UK PROPERTY INDEX (NAV) FTSE ALL UK PROPERTY INDEX (NAV) 110 115 100 110 90 105 80 100 70 60 95 FTSE ALL UK PROPERTY INDEX (NAV) FTSE ALL UK PROPERTY INDEX (NAV) SOURCE: FTSE Group, data as at 14 May 2010 SOURCE: FTSE Group, data as at 14 May 2010 Figure 1. www.investorpages.co.uk MAY 2010 property leaders was largely focused on the this view is bolstered by the fact that former about the importance of American tourists. office market in central London. While British Ernst & Young star John McCready remains a The relative weakness of all European curren- Land's statement talked about its £475 million property 'tsar', and he is being urged to initiate cies against the US dollar and Japanese Yen is commitment to re-starting new office develop- £40 billion of public property sales over five likely to stimulate tourism across the region; ments in the city, it also referred to "modest years, instead of the '£20 billion over 10 years' other visitors from Asia, and from BRIC coun- recovery" overall this year amidst a "fragile" already outlined. tries, are also likely to be encouraged by the economic recovery. change in relative currency values. The Q1-10 report at the end of April from ✱ 2. HOTEL AND LEISURE Indeed, hotel and tourism could prove to the Royal Institution of Chartered Surveyors PROPERTY be one of the few bright spots across European (RICS) gives a clearer picture of the current Analysis from Deloitte, the accountants and economies in the current year. Whether inter- state of commercial property markets. The business advisory firm, said earlier this year national visitors will be able to counterbalance report said that available space in central that recovery in European hotel performance likely poorer domestic demand is hard to London had declined for the second successive may be on the horizon: "Demand has experi- judge. Also, the STR Global results to which quarter, so that rental expectations have enced an upturn since October 2009, before Deloitte refers, pre-date the € crisis, which, at moved "above zero" for the first time since the pushing into positive territory in December time of writing, appears ongoing. last quarter of 2007. 2009 - up 4.2%. STR Global results for For March 2010 the STR Global Hotel The RICS figures in fact showed the biggest January 2010 also show a healthy 3.3% Index showed hotel occupancy in Europe aver- jump on record in expectations for central increase in the region against January 2009". aging 55.0% on a 'year-to-date' (YTD) basis. London office rents, resulting in a boost to the Alex Kyriakidis, Global Managing Partner That represents a rise of 4% against the March national average rental expectation. Away from of Tourism Hospitality & Leisure at Deloitte, 2009 YTD number. In the whole of 2009 occu- London, available office space continues to rise added: "No strong rebound in European pancy levels averaged 60.6%, 6.4% down "at a broadly similar pace to Q4", the report said. tourism and hotel performance is expected in on 2008. Letting activity for both office and industri- 2010, but further declines will now be city spe- Demand in the 12 months to March also al space rose for the second consecutive quarter cific rather than the norm. Demand should recovered, rising 5.3% across the region, and nationally, although RICS reported that invest- continue to return as more people travel to and revenues rose 10.5%. RevPAR also rose strong- ment demand outside of the capital was less within Europe. This will give hoteliers an ly, by 9.2% YTD to March – this compares to a buoyant. Indeed, some surveyors in the RICS opportunity to grow occupancy and then aver- 21.1% fall in revPAR across Europe in the report were voicing concerns at the end of Q1- age room rates and revenue per available room whole of 2009. 10 about prospective demand for office space, (revPAR). However, it will be difficult to sur- There were similar signs of recovery in the given the likelihood of cuts in public sector pass pre-recessionary levels this year. Middle East and North Africa regions: occu- spending. Several UK regions have become "Hotels in London however, are an excep- pancy rose 3.3% to 64.7% in the year to very dependent on government spending, so tion. The capital had the advantage of an inex- March, having averaged 62.9% in 2009, which that UK budget cuts will be scrutinised closely pensive currency compared to the US dollar was 10.9% down on 2008 averages. Demand for potentially positive and negative impacts on and euro throughout the downturn along with rose 9.6% and revenues by 3.4% in the 12 commercial property markets. limited new supply, and did not experience the months to March, although revPAR slipped As RICS members in Barnsley put, it "Very massive drop off in tourism that some back 2.5% in the period, presumably because much a static market with a lot of people wait- European cities did. Increases in leisure visits much of the 2008/9 revPAR number was ing for the next announcements on govern- from international and domestic tourists accounted for by pre-booked winter holidays. ment action". counterbalanced a 20% drop in business trav- Other recent statistics for hotels offer some The continued difficulties for the Euro and el. Combined with strong revenue manage- further hopeful signs of stabilisation. The for sovereign debt levels generally must also ment, London is leading European hotels out worldwide Hotel Price Index showed that the hamper investment confidence across Europe, of the recession. Hoteliers there have been able average price of a hotel room in 2009 was 14% and it is clear that small towns across the UK to push up average room rates since November lower than in 2008. In fact, 2009 prices were and the Continent are the ones bearing the 2009 and could possibly achieve double-digit lower than those prevailing in 2004, when the brunt of the economic slowdown and revPAR growth this year." HPI began. However, in Europe the fall in property slump. As Marvin Rust, Global Managing Partner room costs was better than the average, at Although many observers fear major nega- of Hospitality at Deloitte pointed out along- -13%, and the average rate of fall was clearly tives because of public sector job cuts, there are side the report: "As a general rule, hotel perfor- slowing in the fourth quarter. For example, the some UK property pundits who are already mance will be closely tied to trends in year-on-year fall in room prices averaged just looking for the opportunities. Just before the consumer confidence and GDP growth. With 7% in Q4, against a fall of 14% in Q3, minus General election, Sir Stuart Lipton (former the US dollar strengthening further we could 17% in Q2 and minus 16% in Q1. boss of property group Stanhope, and now see a welcome return of the American tourists With occupancy levels and room rates working again with Elliott Bernerd) urged any to the UK towards the back end of this year. clearly still depressed, valuations for hotels new administration to undertake a full audit of This remains our most important source mar- around the world are similarly well below their publicly-owned property with a view to identi- ket and one that tends to spend well when they peak. The still subdued outlook for GDP fying asset sales. With central and local govern- are here. On the other hand, corporate travel growth across Europe, for example, suggests ment owning an estimated £370 billion of budgets continue to be scrutinised in cost cut- that valuations will remain relatively low property and land, Sir Stuart suggested that ting programmes, and while some rebound throughout the rest of this year at least. there is bound to be some "low-hanging fruit" will occur, demand will remain weaker Nevertheless, as long as there is no further seri- to be harvested to help repay Britain's debts. than normal." ous deterioration in economic performance – There is some hope that the Tory-LibDem Clearly, Mr Rust's comments will also apply no 'double dip' recession – then it looks rea- budget will show progress on such asset sales; to European venues, including his remarks sonable to assume that hotel values generally 2 www.investorpages.co.uk MAY 2010 are now at or near the bottom. Individual loca- ✱ 4. TIMESHARES AND sell even for as much as the original purchase tions, however, will always produce significant FRACTIONAL OWNERSHIP price, let alone for more. variations and defy the averages, both in terms The timeshare industry around the world – Having said that, most buyers do not take of occupancy, room rates and revPAR. in which rights at particular resorts or loca- on a timeshare with investment intentions – tions are purchased - is now well established they are looking only for a reliable annual holi- ✱ 3. HOTELS AS ASSETTS AND and very large. According to the UK-based day in places they like and with accommoda- OPERATING BUSINESSES Timeshare Consumers' Association (TCA), tion standards they know and trust. The One of the principle difficulties in evaluating six million families now own a timeshare, structure of timeshare is that buyers pay a one- hotels arises in identifying the worth of the and there are generally well-regulated ways off payment for the 'right to use' and an annual physical property and, separately, of the of buying, selling and exchanging any time- management fee (covering cleaning, mainte- operating business. Most analysts agree that share rights. nance etc of the accommodation). The man- it is the operating business which matters All timeshare is self-catering, and there are agement fee is always payable, even if you do most in terms of valuation, and, for the big two basic forms of timeshare ownership – not visit. hotel chains and brands, this is always true. 'fixed week' and 'floating system'. In the first, According to the TCA, the best resorts and So much of the operating efficiency and prof- owners have the right to spend a fixed amount locations are run by the owners, through a itability (reservation systems, staff training, of time in a specific apartment or villa, which timeshare club and committee. Certainly, you group marketing) is tied into the brand or may or may not have accompanying leisure are less likely to encounter problems with any franchise agreement. As one leading facilities. Owners can choose to stick with timeshare clubs, and buyers need to be aware industry commentator has said (Jim Butler, spending the same week or fortnight in the that there are still unscrupulous developers of JMBM), "what is the value of the underly- same place each year, or use one of several around exploiting the timeshare system, even ing real property of a Marriott, Holiday Inn, exchange systems to swap their 'rights', chang- though the industry has become better regu- Hilton, Hyatt or Four Seasons if it loses the ing time period as well as location. lated and more respectable than, say, 20 brand and professional management? It In the second, you own a time period with- years ago. becomes just a big box hotel with no name, in a seasonal band of time, and each year you There are scams affecting European resorts no reservation system and no professionally have to book the week you want; this will be right now, and the TCA in fact is preparing run staff ". For this reason, evaluating big subject to availability. This floating timeshare court cases against a handful of developers and hotels or big brands is particularly complex. right can also be exchanged, and where the their banks and credit card companies on a For privately run, generally smaller hotels timeshare is a "club points" purchase owners variety of grounds, and seeking compensation the task of ascribing value is somewhat sim- can accumulate points, or use only part of for many consumers. These cases are likely to pler, but even here the questions of location them each year. hit the headlines in the coming months. and management experience and reputation US group Wyndham Worldwide Also, some of the current scams in time- are tricky areas to assess. However, they are Corporation is NYSE-quoted and probably share are using different terms in their sales always relevant and have an impact on the the largest provider of 'vacation exchange' ser- pitch – anything from 'vacation club' to 'holi- basic financials of the business – occupancy vices (it owns the RCI brand), and its day club' and even 'fractional ownership'. and room rates, operating margins and cash 'Wyndham Exchange & Rentals' division, "Some dishonest traders are using the 'frac- flow requirements. "offers leisure travellers, including its 3.8 mil- tional ownership' phrase to avoid the loss of Arriving at an actual value per room for any lion members, access to over 65,000 vacation credibility which has hit the timeshare indus- hotel, therefore, is not an easy or even clear for- properties located in approximately 100 coun- try because of previous scams", says the TCA. mula. In fact, per room values could well be tries". 'Wyndham Vacation Ownership', Real fractional ownership schemes focus described as having more to do with art than sci- "Develops, markets and sells vacation owner- on investment returns, rather than holiday ence, which is why hotel asset sale prices can sur- ship interests and provides consumer financ- and leisure rights, and offer both a share of the prise heavily one way or another. At the time of ing to owners through a network of over 155 underlying asset and a proportion of income writing, there are press reports that Royal Bank vacation ownership resorts serving over derived from the asset. Any leisure or usage of Scotland is expected to sell the Grosvenor 820,000 owners throughout North America, rights (certainly in regard to property assets) House Hotel (in London's Park Lane) for the Caribbean and the South Pacific". are an extra benefit, rather than a part of the around £500 million. That figure can only be In Q1-10 financial results from Wyndham underlying returns. Room To Invest (RTI), for 'ball-park', since RBS now has a short-list of five beat analysts' estimates, and even reported example, which has been offering fractional potential purchasers apparently, and the sale slight growth in diluted EPS. It also reported a ownership in European hotels for the past process still has some way to run. Given the vari- 7% increase in free cash flow in the quarter, to three years, says that only around 10% of its ables of valuation – even for such a prestigious US$166 million versus US$155 million in investors actually make use of their venue – the followers of RBS' fortunes could eas- Q109, and Wyndham has been able to triple its usage rights. ily end up being shocked by the outcome. quarterly dividend. Thus, the timeshare mar- The concept of fractional ownership is not Of course, apart from direct investment in ket appears to have been very much more new; fractional ownership of aircraft leases, for a hotel there is the opportunity to invest in the resilient than other segments of the example, has been around for many years shares of quoted companies, assessing these leisure industry. (appealing to wealthy individuals and business businesses by the usual measures of share Whilst corporations such as Wyndham, people who put in a lot of flying time each price, ROCE, EPS, dividend yield and so on. and many other holiday companies and prop- year). All such schemes also tend to include However, the purpose of this note is directed erty developers, are still making good money management agreements (someone has to at making some assessment of the back- out of timeshare, a spokesman for the TCA 'run' the asset) and annual management fees. ground to 'alternative' investments in the states that, "timeshare is not a financial invest- In property, fractional ownership is reck- hotel and leisure industry, rather than any ment and never has been" for individual own- oned to have really got going in the 1990s sector-specific equity evaluation. ers. Very few timeshares, if any, ever actually when ski resorts in Colorado were developed www.investorpages.co.uk 3 MAY 2010 on a fractional ownership basis. According to sive or trophy assets are involved; how much of respectively) put Slovenia in the 'safe' category US property consultants Ragatz Associates, the initial valuation relates to 'prestige'? HBOS of national economies. there were more than 250 fractional develop- has lost a great deal of money by lending on Also, in general, the STR and other industry ments in North America by 2006, and the TCA high profile, prestige assets; apart from research suggests that destinations which have says this is clearly the most developed market: GuestInvest two years ago, the troubled bank is not had mass appeal in the past are suffering "there are few, if any, successful fractional also expected to face a 90% loss on around relatively less in the global recession, thus ownership schemes in Europe". US$1 billion of loans it made for development underpinning hotel values and viability at such Any fractional ownership scheme can have of a resort in Hawaii, which was also part of a non-mainstream locations. problems. There have been disputes as to ini- fractional ownership scheme. Indeed, the key factor for any particular tial valuations, sale values and structures, and Despite such high profile, high cost failures, destination appears to be its place in the devel- management charges. As the TCA warns, you fractional ownership schemes can and do opment cycle, and the amount of available have to assess the reasonableness of the price work. Room To Invest, for example, has hotel space. Many destinations in developing you are paying for your asset. As stated earlier, attracted investment and functioned success- economies are still 'early stage' in their devel- assessing the value of hotel assets is complex, fully for three years now, as part of a wider opment, so that investment selections in such particularly where major brands or any kind of offering of alternative investments. But it con- locations are proving resilient. RTI's approach, rebranding is involved. trasts strongly to the GuestInvest model – the therefore, looks appropriate. In the UK we have had an example of these TCA, by the way, examined the RTI brochure Another significant advantage to the RTI pitfalls in the collapse of GuestInvest two years and concluded that RTI is similar to scheme is that it allows relatively low entry costs, ago. In that fractional ownership scheme GuestInvest only because it is an varying from £2,000 for a low season room in investors paid as much £400,000 for ownership investment/returns, rather than holiday/ Slovenia up to £7,250 for a suite in Morocco, of a room in high profile and fashionable leisure, focused scheme. which has little seasonal variation. There is also hotels in central London. The management RTI's hotels are in selected locations which no annual service charge, just annual manage- company had borrowed around £500 million have limited development scope, so that these ment fees that are deducted as a percentage of from HBOS to purchase the hotels, before sell- established venues are unlikely to see growing room revenues. Whilst there is no commission ing them in the fractional ownership scheme. competition (the Medina within Marrakech, charged on initial purchases, there is a 6% com- With the near-collapse of HBOS and credit and a mountain resort in Slovenia). They are mission payable when investors decide to sell crisis of 2008, GuestInvest was unable to con- also hotels which function on what can be via RTI; again, this does not look unreasonable tinue, despite having attracted around 250 pri- described as 'core demand', rather than as fash- in comparison to other asset sale commissions. vate investors. ionable venues, such as the Blake's Hotel in the Reported comment from Savills, the prop- GuestInvest portfolio. ✱ 5. CONCLUSION erty advisors, at the time of the GuestInvest The asset valuations and projected returns Fractional ownership of any asset can work, but collapse highlighted the weaknesses of that also appear much more realistic and likely to the structure of the scheme needs to contain particular scheme. "The concept of hotel room be fulfilled, especially against the background reasonable assumptions on initial valuations, investment works, but the GuestInvest model of continued tourism development in both likely revenues – against both bad and good is all wrong. The model was destined to fail... Slovenia and Morocco and the shortage of economic backdrops – and reasonable manage- Firstly, with the backing of HBOS, GuestInvest hotel room supply for both countries. ment charges. Where hotels or resort properties paid far too much for the hotel assets as they Morocco saw GDP growth of 5.4% in 2009 and are concerned, investors should also consider stood. Then, having bought the hotels as trad- is forecast to achieve 5.1% growth this year, whether the amount of usage rights attaching ing concerns, they closed the businesses down and whilst Slovenia has seen its economy to any investment is so big as to be detrimental and ripped the hotels apart. Finally, they over- shrink in the past two years, it is still rated as to cash flow for the property – another of the spent on the refurbishment. It all adds up to one of the more successful economies in cen- big problems which GuestInvest faced. lots of capital expenditure, and no cashflow." tral Europe. Budget deficit and government RTI appears to have come up with the right The risks are clearly greater where expen- debt levels (at 5.5% and roughly 37% of GDP, balance in its business model; certainly it has significant advantages over the failed Europe GuestInvest structure. It is also, clearly and as Date Occupancy RevPar Revenue the TCA concluded, a real fractional owner- This Year % Chg This Year % Chg This Year % Chg ship scheme, and not a timeshare in disguise. Total 2007 67.6 101.16 131,770,964,671 For investors, the core questions must be about Total 2008 64.8 -4.3 101.90 0.7 134,265,698,165 1.9 Total 2009 60.6 -6.4 80.41 -21.1 107,226,399,623 -20.1 initial valuations and ease of exit, as is the case Mar YTD 2010 55.0 4.0 69.48 9.2 23,000,282,444 10.5 with all investments, particularly in the 'alter- native' category. ● BY: Pam Spooner, Editor, Investing for Middle East & North Africa Growth Date Occupancy RevPar Revenue Pam has been a financial journalist for more This Year % Chg This Year % Chg This Year % Chg than 20 years, with national publications such Total 2007 69.0 98.03 14,198,653,904 as The Times, Mail on Sunday, Evening Total 2008 70.6 2.4 119.46 21.9 17,890,851,279 26.0 Standard and Investors Chronicle. She also Total 2009 62.9 -10.9 103.03 -13.8 16,107,987,824 -10.0 edited Quest, the CFROI-based research Mar YTD 2010 64.7 3.3 111.57 -2.5 4,462,978,719 3.4 weekly for institutional investors published by Data: STR Global stockbroker Collins Stewart, between 2002 Figure 2. and 2004. 4 www.investorpages.co.uk
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text: [ Job Fair Expected To Draw Hundreds of Job Seekers By Jim Maurice September 12, 2011 The 15th annual St. Cloud Area Job Fair is tomorrow (Tuesday). It will be held at the St. Cloud Civic Center from 1:00 until 5:00 p.m. Read More|Comment Category: Events, St. Cloud News Tags: job fair, workforce center Send to a friend! Share on Facebook Share on Twitter Pin it! Reddit This! Share on Tumblr!


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Carp hits two-run homer, lifts Mariners to win
SEATTLE The Los Angeles Angels are not going to get any help from the young Seattle Mariners in their pursuit of the firs-place Rangers.
The last-place, nothing-to-lose Mariners, with a roster bulging with eager-to-prove rookies, played what manager Eric Wedge called "our best game" Monday night in a 5-3 victory over the Angels.
The loss dropped the Angels 3 1/2 games behind idle Texas in the AL West with 28 games to go.
Mike Carp connected on a first-pitch slider from Hisanori Takahashi (3-3) in the eighth inning for a long two-run home run, providing the Mariners with the deciding margin.
Rookie Dustin Ackley, who had three hits and a pair of RBIs, opened the eighth with a double. Carp then hit the pitch into a fan's lap in the second-deck restaurant in left field.
"After he hit it I just stopped. I'm just going to watch this ball and see where it ends up," Ackley said. "Even in BP you don't see many balls land up that high, especially a first-pitch breaking ball like that. That's pretty impressive."
The ball was estimated to have traveled 432 feet.
Takahashi said his pitch to Carp was in the wrong zone.
"I wanted it down and away," Takahashi said through an interpreter, "but it was on the opposite side."
Rookie Tom Wilhelmsen (2-0) earned the victory with one inning of relief. Brandon League finished the ninth for his 32nd save in 37 opportunities.
First baseman Mark Trumbo hit his team-leading 24th home run, a two-run shot in the fourth.
Ichiro Suzuki had two doubles and extended his hitting streak to a season-high 12 games.
Suzuki has had 40 career double-digit hitting streaks, tied with Pete Rose for the fifth most since 1918. The others in front of him are Ty Cobb (65), Hank Aaron (44), Al Simmons (42) and Stan Musial (41).
"It's one of those nights he (Takahashi) just didn't get one pitch where he wanted and that was it," Angels manager Mike Scioscia said.
Scioscia was asked before the game whether Seattle, at 57-76, is still a dangerous team to play. He said Seattle "has a lot of talent. A lot of it is young but it's good, good young arms ... (but) I want our guys to play free, to play easy and that's what we're going to focus on."
The Mariners took the early lead with a pair of sacrifice flies, but the Angels charged ahead with a three-run fourth.
Torii Hunter singled just before Trumbo launched his ball off the left-field upper-deck facade, on a 1-0 pitch from rookie Blake Beavan. The Angels have had at least one home run in 19 of their last 20 games.
The Angels added another in the inning. Vernon Wells singled to center followed by Erick Aybar's RBI double into deep right-center.
The Mariners tied it in the fifth, also with two outs. Suzuki doubled into the gap in left. Ackley drove a run-scoring triple into the gap in right for a 3-3 score.


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2. You're hungry.
And make sure to get them — or any of the above — some carbs and some water. Because that's what friends are for.
On any given night out, the men change but the characters remain. After a particularly interesting night out, I got to thinking about the characters from that night — and every other night, too.
Who are they? Let's take a look.
The greatest irony is that most girls don't even care if a guy has any of these supposed physical disadvantages; they just need to know that YOU don't care either.
What you consume at your favorite bar reveals your true colors more than you probably realized. Order wisely, my friends, here's what your bar tab says about you.
Most clubs are crammed so tight that you can't move, be it to dance or just navigate to the bar or restroom. Everyone is bumping into everyone, drinking are spilling everywhere, and at some point, you will either have your drink knocked out or you will knock someone else's out.
In the stories I had heard and read about, the women used eBay to mail the panties out. But I figured, why not cut out the shipping cost and just give them to the guy?
Don't hit on the bartenders, folks. It never turns out well.
You want to drink in DC? Read this handy-ass guide.


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Ogle Worthy
OMG!!! I would just ...(mind trailing off), jum, I can't say what I'm thinking, but it's soo delicious, lol .
look at those big brown eyes, could stare at them alll day
hes hott. lol. woo!
I love Taylor... sooo cute :) yummmmmmmmy
def ogle worthy! OMFG! HOT
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- Taylor Lautner in GQ
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The Icelandic English-language radio station Radio Iceland, which was launched in mid-February, has closed.
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- Studio: Image Entertainment
- Release Date: Jan 6, 2012
User Score
Mixed or average reviews- based on 12 Ratings
User score distribution:
Positive: 5 out of 12
Mixed: 2 out of 12
Negative: 5 out of 12
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Apr 14, 2012You want to talk about a movie that doesn't take much thought. Within the first ten minutes of the movie it is clear exactly where this is going and what is going to happen. This movie just isn't worth the time to watch it unless you like to sit and make fun of movies. If you like to make fun of movies then this movie has plenty to make fun of.
You anticipate every scene before it happens and figure out every secret before it's revealed.
Jan 6, 2012Yet that deeply strange and agitated performance by Quaid is the only thing that makes the film remotely bearable.
Jan 6, 2012A teens-in-trouble thriller with barely enough momentum to make it to the end credits. Performances and script are made-for-cable grade.


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Former Packers safety Nick Collins tweeted the other day that he's ready to play football again after suffering a career ending neck injury just a couple of years ago.
Collins told ESPN Milwaukee that he's ready to go and waiting for a team to come calling.
"The only doctor that was really unsure was Dr. McKenzie. He wasn't quite sold on the idea of me playing for the Packers anymore," Collins said. "That's not saying that I wasn't cleared to go nowhere else. I was cleared to go somewhere else. He just wasn't 100 percent sold on the idea.
"I've been trying to get that opportunity for two years now and no one seems to want to take that chance. But I'm ready if anybody is willing. I guess it's all about just getting the teams to understand the [idea] of me coming back. They can bring me in, they can get their own doctors to look at me, they can do their own evaluation and we can go from there. If they say we can roll with it, I'll take that chance."


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Gingered Brandy Snaps
|Plain flour
|2 Ounce (50 Gram)
|1⁄2 Teaspoon (Leveled), ground
|Ground ginger
|1⁄2 Teaspoon (Leveled)
|2 Ounce (50 Gram)
|Castor sugar
|5 Ounce (150 Gram)
|Golden syrup
|2 Ounce (50 Gram)
|For the filling
|Double cream
|1⁄2 Pint (3 Deciliter)
|2 Tablespoon
1) Preheat oven moderate to 375°F, 190°C or Gas No. 5.
2) In a plate sift flour and ground ginger.
3) Cream butter and sugar together.
4) Mix around 1 rounded tablespoon syrup to it.
5) Mix flour and ground ginger.
6) Add to the dough, place on a working surface and knead until smooth.
7) Cover and let stand for 1 hour before using.
8) Line a baking tray with a sheet of silicone paper and place rounded teaspoon of mixture four at a time.
9) Flatten slightly with the palm of the hand.
10) Put at the center of oven and bake for about 10 minutes.
11) Remove from oven and let stand to cool for a few moments.
12) Slide a knife under each one immediately, turn over and wrap round the greased handle of a wooden spoon.
13) Let stand to set firm, slip them off, and be ready to make the next ones.
14) Let cold before filling.
15) Store in an airtight tin.
16) Fill only when ready to use.
17) Whip cream with brandy and using a nylon piping bag fitted with a rosette tube, pipe the cream into each one.
18) Serve hot.


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The shrinking board of Fed governors
Nancy Marshall-Genzer
Audio by
Apr 30, 2014 The Fed will be operating with only three governors by the end of May. We explain.
Why low inflation can be dangerous
Sally Herships
Apr 11, 2014 Some at the Fed are worried the inflation rate, around 1 percent, is too low.
Weekly Wrap: Consumer confidence? 'Meh'
Kai Ryssdal
Interview by
Mar 28, 2014 Kai talks to John Carney from the Wall Street Journal and Leigh Gallagher from Fortune for the Weekly Wrap.
Why the Federal Reserve is vague about interest rates
Dan Weissmann
Mar 19, 2014 Fed Chair Janet Yellen loves transparency, to a point.
The Fed: Cash cow or sitting duck?
Allan Sloan
Interview with
Jan 15, 2014 When the Fed sends less money to the Capitol, it also loses some political capital.
A Fed explainer: What's Reverse Repo?
Sabri Ben-Achour
Jan 14, 2014 The Fed is testing out new tools to fight inflation that may be coming down the road.
The Fed's new tools
Sabri Ben-Achour
Jan 13, 2014 Economists say the Fed's massive balance sheet isn't a concern, thanks to new tools.
You're invited! It's the Fed's 100th anniversary!
David Gura
Dec 23, 2013 Marketplace invites you to the party of the year.
$4.04 trillion in assets
Kai Ryssdal
Dec 19, 2013 As of yesterday, that's how much the Fed held on its books.
All's well that tapers well
Sabri Ben-Achour
Dec 18, 2013 On Wednesday, the Federal Reserve announced it will cut its bond-buying program by $10 billion starting January. So what about this whole tapering thing? What's it gonna mean for you and me and Aunt Mabel?


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Nate McLouth batting lead off for the Baltimore Orioles in a postseason series is among the more improbable and stunning developments of the 2012 baseball season. This is particularly true for Pirates fans, who have had McLouth keep popping in and out of their lives for the last 12 years. Through these dozen years, McLouth has taken on several different incarnations, each stage along the way embodying a different representation of what it's meant to be a Pirate during that time.
Stage 1: Nate McLouth broke into the bigs for good with the Pirates in 2006, a top-five team prospect with noticeable skills, but his stature in the system was more a testament to then-GM Dave Littlefield's inability to draft or develop consistent impact talent during his tenure. McLouth showed flashes of being a solid major-leaguer flashing speed and some pop during a semi-regular role in 2007.
Stage 2: McLouth's breakout came in 2008, when in his first full year as a starter he hit .276/.356/.497 with 26 HRs, 23 SBs while somehow also managing to cop a Gold Glove. Along with Xavier Nady and Jason Bay, McLouth combined to form the top-hitting outfield in baseball during the first half of the season. An atrocious pitching staff kept the team out of contention though, and Nady and Bay were both traded away in mid-summer deals that hinted at a major re-building of the team's roster.
Stage 3: Fittingly, it was a trade of McLouth the next season which signified the Pirates were going to blow things up. Hovering around .500 in early June, and with McLouth again leading the way on offense, the Pirates dealt him to the Braves for three prospects: pitchers Charlie Morton and Jeff Locke, and outfielder Gorkys Hernandez. There was an astute shrewdness to the deal from new GM Neal Huntington. McLouth's value was at its peak, and his contributions to a team that was no threat to compete for a championship were over-valued by the industry. Still, as has so often been the case, while Huntington's process and reasoning for making the move were sound, the players he received back in the trade were lackluster.
Stage 4: On the Braves, McLouth fell off the table as a productive player. From 2010-2011, he averaged just 83 games played, batting .210 with just ten home runs and an OPS of .650. While he didn't morph into a superstar like Jose Bautista upon leaving Pittsburgh, McLouth's time in Atlanta did see him become a member of another prestigious Pirates alumni club: those who carried a slight grudge against their former team. Prior to the 2010 postseason, McLouth implied there was a suffocating culture of losing in Pittsburgh, and then questioned the efficacy of the Pirates medical staff. http://www.bucsdugout.com/
Stage 5: Clearly, whatever ill feelings McLouth harbored towards the Pirates weren't strong enough to keep him from coming back. Prior to this season, he signed a one-year contract to serve as a fourth outfielder and extra bat off the bench. The return was doomed from the start, as McLouth never adjusted to a part-time role, registering a paltry .385 OPS before being cut loose on May 25. By doing so, the Pirates made McLouth another in a long line of free agent signings (Ryan Church, Bobby Crosby, Erik Hinske, Lyle Overbay etc.) that failed to make it through one full season in Pittsburgh.
Stage 6: That part about McLouth not finding another gear once he left Pittsburgh? Well, this time around it did happen. Following his release, McLouth signed with the Baltimore Orioles. Initially sent to AAA, McLouth joined the big club for the final third of the season, establishing himself as a starter following an injury to Nick Markakis and going on to hit .268/.342/.435 with seven home runs. Those were his best numbers for a protracted stretch in four years, during which he also helped lead a team that hadn't had a winning record in more than a decade to an improbable and exciting playoff appearance.
Personally, I am still in the denial stage about the last one.
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- Indoor Four '15: July edition by Landon Evanson
- 25,000 Little Magical Bucks Can't Be Wrong by Patrick Smith
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Sean Morgan competes in the Knife Throw competition during the 2012 Lumberjack Festival at Pensacola State College, Milton campus.
- Filed Under
When you hear the term "lumberjack," you might envision a traditional big burly man wearing jeans and a flannel shirt, sporting a thick growth of facial hair and wielding an ax. Paul Bunyan is one such example. He is the most well-known and popular lumberjack hero in North American folklore.
However, these days - at least, in Santa Rosa County - lumberjacks come in all ages, shapes and sizes.
It's time to join in the fun this Saturday at the 25th annual Forestry Conclave and Lumberjack Festival at the Pensacola State College Milton campus. Connect with your inner lumberjack for a day of food, ...


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Friona has 4 schools. Some of the best schools in Friona are Friona High School with a GreatSchools rating of 5/10 and a parent rating of 4/5 stars, and Friona J High School with a GreatSchools rating of 4/10. The average GreatSchools rating for Friona public schools is 4/10, with an average student/teacher ratio of 11:1.
School data provided by National Center for Education Statistics, Maponics, and GreatSchools. Intended for reference only. GreatSchools Ratings compare a schools test performance to statewide results. To verify enrollment eligibility, contact the school or district directly.
Not enough data to determine market type. Consult a local REALTOR® for up-to-date market summaries.
Not enough data to determine market type. Consult a local REALTOR® for up-to-date market summaries
Trend data coming soon.
Trend data coming soon.
|For Sale: 2
|New: N/A
|Recently Sold: N/A
|Reduced: N/A
|Average Home Price
|Average Sold Price
|Property Records: 1,216
|Foreclosed: N/A
The average home price in Friona is $81,200. The average home price per square foot in Friona is $59 and about 0% of all homes in Friona sold in the last 6 months. For Friona home values, real estate prices, and city market trends, research the 1,216 property records or search our 0 recently sold or 2 homes for sale listings. The listings and properties in Friona are only a part of the 7,496,366 properties and 130,155 homes for sale in Texas. Because of this, the average home price and average home value of Friona also influence the average home price $155,958 and average sale price $128,945 of Texas. Listing counts, Friona home prices and home values in Friona are sourced daily from listing and property data on realtor.com®, which is the most up-to-date and accurate aggregation of real estate listings in the industry and includes approximately 800 regional MLSs and is the official website of the National Association of Realtors®.
|Median Age
|Median Household Income


text:
Cast: Dev Anand, Vyjayanthimala, Ashok Kumar, Tanuja
Producer: Sachin Dev Burman, Dev Anand
Director: Vijay Anand (hindi Film Maker)
Writer: Story: K. A. Narayan, Dialogue: Vijay Anand
Release Date: 27 October,1967
Storyline: Jewel thief is a 1967 crime thriller hindi film directed by vijay anand. the film stars dev anand and vyjayantimala in the lead with ashok kumar as the main antagonist. it also features four bond girl-like actresses portrayed by tanuja, helen, faryal and anju mahendru with other actors appearing in supporting roles. it was produced by dev anand's home production, navketan films, following their biggest hit in 1965 - guide. the film became a box office hit. j.m.See full storyline Read on Wikipedia
Jewel Thief : Cast
Cast overview


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Journal: Sanders vs. Clinton... Man! That reminds me of something.. 3 3
Oh yeah...
1972 - McGovern vs. Nixon. These two campaigns joined at the hips.
Well, the easy way to follow this one is to ignore the bullshit, and watch the bubble. The bubble knows all, and always reveals all it knows with more advanced warning than an approaching hurricane.


text:
Architectural firm hired to evaluate Downtown sites for proposed medical school
IU wants to open four-year facility in Evansville
EVANSVILLE - The Evansville Redevelopment Commission on Tuesday contracted with VPS Architecture to help evaluate potential Downtown locations for the proposed new Indiana University School of Medicine facility.
VPS Architecture will be available on an on-call basis, according to city officials. The contract is for $10,000.
The work will consist of "design studies on some areas where potential redevelopment could take place," said Sarah Schuler with VPS Architecture.
IU intends to establish an Evansville site where medical students can complete all four years of their studies while having residency opportunities at area hospitals and other medical facilities.
The local program is now housed in the University of Southern Indiana Health Professions Building, and it covers two years of study. IU is partnering with USI, the University of Evansville and Ivy Tech Community College on a new facility that will house a four-year medical school, plus other health science programs offered by local institutions.
A consultant advising IU and its partners, Tripp Umbach, have described Downtown as the "optimal" general location for the new facility. The Tripp Umbach study's second phase is to specify a site. That process is ongoing and is to be completed by fall.
IU officials have said they would be open to using an existing building, but the more likely scenario would involve new construction.
The school wants 100,000 square feet at a minimum, with about 50,000 for the medical school, 15,000 or so for a "simulation center" and remaining space for any new health science programs offered by participating institutions.
The cost for a new facility is estimated to be $35 million. State funding will be requested when the General Assembly considers its next two-year budget, in 2015.
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text:
Viewers: in countries Watching now:
Creating a First Web Site with Flash Professional CS5 shows how to make a fully functional, dynamic web site in Flash Professional CS5. This course covers the fundamentals of creating and importing content, adding smooth 2D and 3D transitions, and adding button functionality that goes beyond links. This course will also show how to integrate and control video and audio as well as how to implement a gallery and a contact form. Exercise files are included with the course.
You should always try to set up your project, so it's as easy to work with as possible, allowing for modification that can be done easily as well. And that's I want to do with this project, because currently all of these buttons, as I scroll up, they jump to various sections and they are targeting frames right in here. Okay so I take a look at this code in here and if I go to Window > Actions, you can see the Home button actually goes to Frame 10.
Well, what happens if I decide to add more an intro animation? It means all these numbers are going to be off, and I would have to come in here and change them. That's why I want to use frame labels instead of frame numbers. So I will close this Actions panel and what I want to do is I want to add a frame label right here in Frame 10, and in order to do that I need to right click and insert a keyframe. Because labels need to exist on keyframes.
So at that point of time I can add a label, again I am in the Actions layer, and we just call this home for the label name. Notice how the name appears right here and everything is looking good. So this is actually easier for me to work with, because I can actually read what section that is. Frame 30, the same process of inserting a keyframe, and we will call this about just like that. The next section is the portfolio section. Right-click, Insert Keyframe, right here for the Portfolio section, and the name is of course portfolio.
The last one happens to be the contact section. Insert Keyframe there as well. So this is so much easier to read and understand as I open up this project. I can quickly jump to the about section and change that content. It's easier for me to work with, not only when I am in Flash, but I can also make the code smarter as well. So I am going to select this first keyframe right here in my Actions layer and open up the Actions panel, and I am going to change this from going to Frame 10 to going to, within quotes, the "home" label.
So that's all I need to do. For the about section, within quotes because it's a specific name, I want to go that "about" Label. Portfolio, again I am being mindful of what button this function is associated with, and this goes to "portfolio" just like that. Contact button, of course it going to go to the "contact" label. It's looking good. So far so good, and now if I decide to say for instance shorten up this distance, I can sort of select most of these keyframes right in here if I want to and I can remove those frames so this animation starts sooner, but the point is that I have adjusted my Timeline and before all of my code would be off by good 5 or 10 frames.
But now everything is still going to be synced up. But let's just test this out. There we are. It stops in the appropriate frame. Let me click the About button, it goes to the right section, and again my code is much more flexible. My project is a whole is a lot more flexible as well. All by adding some frame labels and then targeting those frame labels.
Find answers to the most frequently asked questions about Creating a First Web Site with Flash Professional CS5 .
Here are the FAQs that matched your search "" :
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Access exercise files from a button right under the course name.
Search within course videos and transcripts, and jump right to the results.
Remove icons showing you already watched videos if you want to start over.
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Click on text in the transcript to jump to that spot in the video. As the video plays, the relevant spot in the transcript will be highlighted.


text:
Good morning, Marc;
I have several mirror lenses. For "f stop" adjustment, they all use neutral density filters. Most of them screw into a provided filter mount in the lens mounting flange where they are accessible. One of them has a small turret assembly that puts an ND 2X or an ND 4X filter into the light path just in front of the lens mount so that it has "f stops" of f 8.0, f 11, and f 16. Because the glass of the neutral density filter will also affect the light rays, there is also a "normal filter" that is made of clear glass that is screwed into the place for a filter to provide a common element of refraction to insure that the light rays all go to the same place on the film plane.


text:
MediaTek lands Android TV deal
Quad-core big.LITTLE running Android 5.0
MediaTek has struck a deal with Google to power the first UHD TV platform for Android TV. The company has some new silicon for smart tellies and plans to demonstrate Android TV at the Consumer Electronics Show in Las Vegas.
Meizu MX4 scores 51356 in AnTuTu
MediaTek MT6595 octa-core inside
We had a chance to play with a phone that's relatively uncommon in the western hemisphere. We are so focused on iPhone, Galaxy phones, Motorola, HTC and LG high-end phones that we don't get to see Xiaomi and Meizu, both Chinese mobile phone manufacturers coming with very fast phones.
MediaTek LTE shipments going up
30-40m units this year
MediaTek is expected to end the year on a high note, having shipped between 30 and 40 million LTE enabled smartphone chips.
Meizu M1 Note shamelessly copies iPhone 5C
Packs Mediatek octa-core and 1080p screen for $160
Meizu has a tradition of emulating Apple's industrial design and now it has launched a phone inspired by the controversial iPhone 5C.
Samsung GPU in summer 2015
Work in progress
MediaTek denies Xiaomi dispute reports
Relationship still intact
MediaTek reportedly stops supplying chips to Xiaomi
UPDATED: MediaTek denies media reports
MediaTek reports record October revenue
Up 16.5% sequentially
MediaTek unleashes LTE octa-core on Indian market
Cortex-A17 big.LITTLE, Rogue graphics
MediaTek reports record quarterly sales
Announces new 64-bit octa-core


text:
The Truth of the Matter - eBook
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Product Description
Now Charlie has found the one person who knows what happened . . . and who can help him remember. But remembering is painful--as well as dangerous--and figuring out what to do with this new knowledge may be Charlie's toughest challenge yet.
Product Information
|Format: DRM Protected ePub
Vendor: Thomas Nelson
Publication Date: 2011
Availability: In Stock
Series: Homelanders
Related Products
The Homelanders Series, 4-in-1 CollectionAndrew KlavanThomas Nelson / 2012 / Trade Paperback$14.49 Retail:5 Stars Out Of 5 2 Reviews
$19.99Save 28% ($5.50)Availability: In StockCBD Stock No: WW686949
Publisher's Description
"Never give in."
Ever since he woke up in a terrorist torture chamberwith a year of his life erased from his mindCharlie West has been on the run. He has one desperate hope of getting his life back: track down the mysterious agent named Waterman. But in fact, reaching Watermanand recovering the secrets lost in his own memorywill only increase his danger. Because a team of ruthless killers is rapidly closing in on him, determined to stop him from finding the answers. And the truth of the matter is more incredible . . . and more deadly . . . than he could ever imagine.
"Action sequences that never let up . . . wrung for every possible drop of nervous sweat."
Booklist review of The Long Way Home
Author Bio
Andrew Klavan is a bestselling, award-winning thriller novelist whose books have been made into major motion pictures. He broke into the YA scene with the best-selling Homelanders series, starting with The Last Thing I Remember. He is also a screenwriter and scripted the innovative movie-in-an-app Haunting Melissa. Website: www.andrewklavan.com Twitter: @andrewklavan Facebook: aklavan
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BP Comment Quick Links
January 16, 2014
Minor League Update
International Winter League Games of January 15
The Good
The Bad
Major Leaguer of the Night
Nobody's Perfect
Jeff Moore is an author of Baseball Prospectus. Follow @jeffmooreBP
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A Danish fighter jet shows off top-gun skills for the modern age by taking out a flying drone with spectacular accuracy.
When it comes to vacuum cleaner tips, sometimes the best expert is your pet
What Einstein termed "spooky action at a distance" has been successfully demonstrated for the first time.
Volkswagen brings Android Auto, Apple CarPlay and Mirrorlink to the dashboard, starting with the e-Golf, while demonstrating gesture controls in the Golf R Touch concept.
"Siri, play the top song from 1982." Apple Music's silliest element sets the new $10 subscription service apart from the pack -- but will it get you to pay?
Vinli goes beyond basic fuel economy monitoring with 4G LTE, Wi-Fi hotspotting, GPS and more.
Patrick Bach discusses the studio's history with single-player modes.
Telstra is claiming a world first on recent trials of its LTE-A network, with a live test combining three data channels to achieve speeds of 450Mbps, three times the current theoretical 4G peak speeds available in Australia.
The media powerhouse sees an opportunity in bringing its Infinity franchise into the world of virtual and augmented reality.
Check out the highlights and big trends at this year's E3, from Fallout 4 to Halo 5, as well as Star Fox and a surprise Jim Henson muppet.


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InSinkErators Instant Hot Water Dispenser saves time and adds elegance to the kitchen. The Brushed Chrome F-GN1100BC is for use with our Stainless Steel Tank for filtered near-boiling 200°F water all in one system. The graceful high-arching spout and contemporary design will complement any kitchen.
Brushed Chrome Finish
Hot Only Dispenses near-boiling 200°F water
The hot lever automatically shuts off
Durable all brass faucet construction
Required Hole Diameter: 1 3/8" - 1 1/2" (standard)
For use with InSinkErators SST-FLTR Stainless Steel Tank and F-201 Filtration System (tank not included)
5-Year We Come To You In-Home Service Warranty