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|By Raj Giri
|August 01, 2012 | Comments
"JUST ANNOUNCED: TRIPLE H will be in the house for WWE RAW TV on Monday, August 20th!!! Tickets are still available but going fast so come get some!!! Box Office is open!"
WWE has actually been advertising Triple H for the show for several weeks now. Brock Lesnar is scheduled to appear as well.
- CM Punk vs. Daniel Bryan and John Cena vs. The Big Show is scheduled for WWE live events for the foreseeable future. The DCU Center advertised those matches during this past Monday's episode of RAW for the upcoming RAW live event on September 23rd in Worcester, MA. Of course, the card is always subject to change.
- Curt Hawkins posted the following on his Twitter with this pic of he and Tyler Reks: "A couple of #HeatSeekers"
Riz, TrueAnalyst and Brendan Daley contributed to this article. Got a news tip or correction? Send it to us by clicking here, or tweet #SendNews.
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Mexico: Ferdinand VII gold 8 Escudos 1813-MR Guadalajara,...
DescriptionFerdinand VII gold 8 Escudos 1813-MR Guadalajara, KM162, Calico 1202, AU55 NGC, lightly toned with superb details and immediate eye appeal. The lower portion of the date is slightly off the flan, but the remaining design features are exceptional. Son of Charles IV, Ferdinand ascended to power in 1808 during the Napoleonic occupations. Two years earlier, after the passing of his first wife Marie Antoniette of Naples, Ferdinand VII wrote a letter to Napoleon asking for one of his nieces in marriage. The letter was discovered and infuriated his father, King Charles IV, who had his son arrested. The invasion by Napoleon of the Iberian Peninsula created such a popular fury that Charles was compelled to abdicate in favor of his jailed son Ferdinand. During the five years that followed, and after rounds of negotiations and threats, Ferdinand signed the kingdom over to Napoleon. In 1814, Ferdinand returned to Madrid to finish a disastrous reign when Spain lost most of its American colonies. At the time of his ascension to the throne, there was only one mint in Spanish America, that of Mexico City, but with the start of the revolutionary movements of 1810, several provisional mints were established, including one in Nueva Galicia's capital city of Guadalajara. Opened in 1811, this mint seldom struck gold coins and as a result all of them are of great numismatic value. The specimen presented here is an extreme Mexican rarity, and with its unusual bust of King Ferdinand VI, will certainly be an outstanding addition to any collection.
Krause catalog price(s) for this item: $15000 in VF, $25000 in EF.
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Last Updated: July 24, 2014 09:33am ET
Conroe Complex Changes Hands
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CONROE, TX�The Retreat at Conroe includes 210 units and was completed in 2013.
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South Korea Repaves For A 'Woman-Friendly Seoul'
Originally published on Sat May 31, 2014 10:38 am
Seoul, South Korea's making some changes to its urban landscape. The mayor's office says the women-friendly Seoul campaign will make the city more comfortable for women. They say a lot of urban design focused on men when they were the sole workers in a family and that's changed. So, they're installing pink painted parking spots reserved for women that are a bit wider and longer than the average spot and closer to elevators.
They also plan to resurface sidewalks in a squishy material to make walking easier for people who wear high heels. A lot of people who wear high heels are women.
By the way, the President of South Korea, Park Geun-hye, is a woman and we'll bet she can parallel park better than most men and probably anywhere she wants to. Transcript provided by NPR, Copyright NPR.


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Tuesday, 08 Nov 2011 02:18 PM
WASHINGTON — Republican presidential contender Mitt Romney says allegations that rival Herman Cain groped a former employee are "particularly disturbing" and must be addressed.
Romney told ABC News/ Yahoo! on Tuesday that he will not judge whether Sharon Bialek's claims against Cain are true. He declined to say whether they are disqualifying.
Bialek came forward Monday to say that Cain groped her in car more than a decade ago after they'd had dinner in Washington. Cain headed the National Restaurant Association at the time and the unemployed Bialek was seeking job advice.
Cain has denied all the allegations against him. He's scheduled to answer questions at a news conference Tuesday in Phoenix.
Romney said - quote - "These are serious allegations and they're going to have to be addressed."
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Videos tagged "bike show"
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Home > News > Nation
Saturday June 14, 2014 MYT 12:00:00 AM
Saturday June 14, 2014 MYT 1:49:57 PM
by jastin ahmad tarmiz
No escaping th e law: An image showing the man being issued a summons by the policeman.
KUALA LUMPUR: Pictures of a policeman having torn up a RM20 note after a bribery attempt by a motorist have been circulated on the blogs.
One of the images showed the man being issued a summons by the policeman while another showed a torn RM20 note, together with the driver's IC and his driver's licence on the police car.
According to the comments posted under the photographs, the driver had allegedly tried to bribe the policeman with the money while recording the act on his handphone.
The policeman then issued a summons to the driver after allegedly tearing the RM20 note as he was angry with him for wanting to record the act.
However, it could not be confirmed where the incident took place.
Federal Traffic chief Senior Asst Comm Mohd Fuad Abdul Latiff said the man should lodge a report if he was not pleased with the action of the policeman.
"He can lodge a report and let us investigate the case," he said after flagging off a motorcycle convoy at Masjid Negara here to Dataran Tanjung Mas, Muar, as part of a road safety campaign.
SAC Mohd Fuad also noted that the driver had committed an offence by trying to bribe the policeman.
"For me, if he makes a report, what is he supposed to write in the report? He was trying to bribe a police officer. That is an offence," he said, adding that although the act of tearing up the money was not wrong, the officer should not have done it.
"He should not have torn the money. But maybe the driver had insisted on paying the bribe and the officer became angry," he said, adding that the policeman should have arrested the driver for trying to bribe him.
"I have given a directive to my officers – if they are offered bribes, they should advise the person that it is wrong to do so. If they insist, the police officers should arrest the offender," he said.
SAC Mohd Fuad also urged the public to contact the police in cases where police personnel sought bribes.
"If any policeman tries to ask for a bribe, please report him to us," he said, adding that if the officer did not wear a name tag or his staff number, the complainant should report the vehicle number.
SAC Mohd Fuad said police were also investigating the people behind a Facebook page claiming to settle summonses at a discounted rate.
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4 common myths about the Calais migrants debunked
No, they won't take your houses or jobs.
About 100 striking French ferry workers have blocked train traffic between France and England for a second time in a week.
With all of the information coming from Reuters the past two days, it has become obvious that Reuters is leading the Semantic Web charge. Gasp! Reuters is an "old media" company, right? We also hear today that they have decided to monetize it as well...


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USA TODAY Sports national college basketball writers Nicole Auerbach and Scott Gleeson discuss and debate the top story lines as we get closer to March Madness.
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That's a pretty solid return on investment.
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It was beautiful.
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ASRock Z97X Fatal1ty Killer (Intel Z97) Motherboard Review - Memory & Gaming Benchmarks
Memory Test - AIDA64
Version and / or Patch Used: 1.00.1035BETA
Memory performance on the ASRock Z97X Killer is very standard, and you can see our new i7-4790K doesn't really change memory performance at all. When it comes to overclocking, you can see that there's no change in overall performance.
Gaming Test - 3DMark 8
Version and / or Patch Used: 1.0
Gaming Test – Sleeping Dogs
Version and / or Patch Used: Latest Steam Update
3DMark 8 sees the ASRock Z97X Killer perform in line with our other boards, with the overclock really doing little here when it comes to extra performance. Looking at Sleeping Dogs performance, though, you can see that, out of the box, the ASRock Z97X Killer sits up with our new processor. Overclocking also adds a little bit more performance at the lower resolutions.
PRICING: You can find products similar to this one for sale below.
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Canada: Find other tech and computer products like this over at Amazon Canada's website.
- Page 1 [Introduction and Package]
- Page 2 [Motherboard Details]
- Page 3 [BIOS Images and Information]
- Page 4 [Test System Setup and Overclocking]
- Page 5 [CPU & System Benchmarks]
- Page 6 [USB 2.0, USB 3.0 & SSD Benchmarks]
- Page 7 [Memory & Gaming Benchmarks]
- Page 8 [Temperature & Power Testing]
- Page 9 [Pricing, Availability and Final Thoughts]
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Valentine's day candy gram~ I've made tons of these! They are always a big hit! I even made one for our school board during education week! Candy Cards, Valentines Ideas, Candy Gram, Gifts Ideas, Candy Bar Cards, Valentines Day Ideas, Valentines Cards, Homemade Valentines, Valentines Day Cards
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Decora el camino a tu casa con corazones de tiza! / Decorate the path to your house with chalk hearts!
20 Handmade Valentines - I Heart Nap Time | I Heart Nap Time - Easy recipes, DIY crafts, Homemaking
Free Valentine Printables and Cute Pencil Gift Idea… ADORABLE! #valentines #gifts #crafts { the36thavenue.com }


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Rosie to come out in Rosie
BY Advocate.com Editors
February 13 2002 1:00 AM ET
New York magazine reports that Rosie O'Donnell will come out in her own magazine, Rosie, before her memoir hits the stands. Find Me will hit stores on April 23, but by that time the May issue of her magazine will contain a letter from the editor in which O'Donnell will discuss the positive reaction her readers had to a story about adoptive gay parents Jon and Michael Galluccio. "She doesn't want to go into great detail," says a source. "She's just going to say something like, 'I'm gay like them too.' " That issue of the magazine will also contain an excerpt from the book.
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IBM Cloud Outfits Bare Metal Servers With NVIDIA Tesla K80 Dual-GPU Accelerators
Date added: 2015-07-08
By offering NVIDIA® Tesla® K80 dual-GPU accelerators on bare metal servers, IBM Cloud is bringing high-speed performance to the SoftLayer cloud infrastructure, enabling companies to build supercomputing clusters without having to expand their existing technology infrastructure. (Image Courtesy NVIDIA)
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View the associated news release
Go With the Flow
Date added: 2015-07-06
Scientists at Tsinghua University in China use IBM's World Community Grid to discover the conditions necessary for moving water through carbon nanotubes 300% faster without requiring additional energy. The discovery has implications for more efficient water filtration. Scientists used massive computing power from volunteers to create simulations of water flow at the molecular level with astonishing detail. (Credit: Tsinghua University)
Download hi-res version (image/jpeg, 7 MB)
View the associated news release
Good Vibrations
Date added: 2015-07-06
Under the right conditions, atoms vibrating naturally within carbon nanotubes can speed water through its narrow passages up to 300% faster. This could make water purification more efficient. Simulations were made possible by the enormous power provided by IBM's World Community Grid, a virtual, globally crowdsourced supercomputer. (Credit: World Community Grid)
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New OpenPOWER Developer Resources in France
Date added: 2015-07-02
Europe's second POWER Acceleration and Design Center is located at the IBM Client Center in Montpellier, France where developers can get hands-on, technical assistance for creating OpenPOWER-based high performance computing apps. (Credit: IBM)
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Internet of Things Technology Turning New York's Lake George into "World's Smartest Lake"
Date added: 2015-06-26
IBM Research scientists Mike Kelly (left) and Harry Kolar (right) deploy an array of sensors that capture data which will be analyzed to help manage and protect New York's Lake George. Their efforts are in support of The Jefferson Project at Lake George, a three year research initiative to deploy Internet of Things technology to create the "world's smartest lake." (Credit: Feature Photo Service for IBM)
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The 20 Most Influential Conservative Women In Politics
Deciding who's the "most influential" anything is inherently an arbitrary business. It's even more difficult in this case when we're comparing politicians, TV personalities, radio hosts, and columnists. Still, somebody had to do it, so…
Honorable Mentions: Jedediah Bila, Marsha Blackburn, Teri Christoph/Stacy Mott, Monica Crowley, Renee Ellmers, Megyn Kelly, Rachel Marsden, Susanna Martinez, Star Parker
20) Tammy Bruce: Radio talk show host, blogger
19) Liz Cheney: Co-Founder, Keep America Safe
18) Tina Korbe: Associate editor for HotAir.com
17) Mary Katharine Ham: Radio host, blogger at the Daily Caller, Fox News contributor.
16) Dana Loesch: Editor-in-Chief of Big Journalism, a CNN contributor, and hosts her own daily radio show.
15) Dana Perino: Former White House Press Secretary, rotating host of "The Five."
14) Pamela Geller: Blogger, activist, executive director of Stop Islamization of America.
13) Phyllis Schlafly: Columnist, President of Eagle Forum
12) S.E. Cupp: Columnist, contributing editor at Townhall magazine, TV personality
11) Dr. Laura Schlessinger: Radio host on SIRIUS XM.
10) Nikki Haley: Governor of South Carolina.
9) Condi Rice: Former foreign policy advisor to George Bush, former Secretary of State.
8) Jan Brewer: Governor of Arizona.
7) Kathryn Jean Lopez: Syndicated columnist, editor of National Review Online.
6) Michelle Malkin: Best selling author, highly read blogger, very popular columnist.
5) Cathy McMorris Rodgers: Republican Congresswoman, Vice-Chair of the House Republican Conference.
4) Michele Bachmann: Minnesota Congresswoman, presidential candidate.
3) Laura Ingraham: Talk host with 6 million plus listeners per week.
2) Ann Coulter: Best selling author, extremely popular columnist.
1) Sarah Palin: Former Governor of Alaska, former VP candidate.
Also see,
The Top 20 Most Influential Black Republicans
Also see...
This dad punches the crap out of two girls attacking his daughter. Tell me you wouldn't do the same if a pack of thugs were beating on your child. I...Read More
John Hawkins
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Republicans Surrender To Infanticide
Evidently, Republicans don't feel competent enough to make a case against infanticide. Why else would the GOP pull its 20-week


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|Name: _________________________
|Period: ___________________
This quiz consists of 5 multiple choice and 5 short answer questions through Chapters 5-8.
Multiple Choice Questions
1. How does Catherine feel when close to Mr. Townsend?
(a) Interested.
(b) Amused.
(c) Perplexed.
(d) Dizzy.
2. Who does Dr. Sloper visit in Chapter 6?
(a) Mr. Townsend.
(b) His older sister.
(c) Mrs. Montgomery.
(d) His younger sister.
3. What does Dr. Sloper grow concerned about regarding his sister?
(a) That her feminism will influence Catherine.
(b) That her realism will influence Catherine.
(c) That her narcissism will influence Catherine.
(d) That her romanticism will influence Catherine.
4. What does Dr. Sloper decide he needs to do?
(a) Learn about Mr. Townsend.
(b) Get his daughter married as soon as possible.
(c) Encourage the relationship between Mr. Townsend and his daughter.
(d) Teach his daughter a lesson.
5. Why does Dr. Sloper marry Miss Catherine Harrington?
(a) Because of a religious obligation.
(b) For love.
(c) For money.
(d) Because of a family obligation.
Short Answer Questions
1. How much of an income does Miss Catherine Harrington have when she marries Dr. Sloper?
2. What does Mr. Townsend tell Catherine after talking to her father?
3. What does Dr. Sloper ask of his sister?
4. What is Dr. Sloper told about Mr. Townsend?
5. How does Catherine grow up to be in the eyes of her father?
This section contains 265 words
(approx. 1 page at 300 words per page)


text:
Anime Fans of modDBFans & Clans group with 2,239 members, open to all members
This group has been formed to gather the people who enjoy Japanese anime and all of its facets, to salute the people from the land of the Rising Sun.
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No images, videos or audio files have been added to this gallery. Join now to share media with the community.
Latest tweets from @johnnycbadde
RT @omegaro: Basically everyone who hates FNAF just because it's popular or whatever should read this from the creator: T.co…
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Video: robotlyra: drtanner: feferipeixies: if i ever don't reblog this assume i'm dead Remember that this... T.co
Jul 26 2015, 9:56am
Photo: attalllog: 2013/12/16 sai photoshop T.co
Jul 26 2015, 9:53am
Photo: probertson:
Jul 26 2015, 9:52am
Photo: kyonkkun: ナタネさん | _太子 ※Permission was granted by the artist to upload their works. T.co
Jul 26 2015, 9:50am
Photoset: supersonicart: Kelly Airo, Illustrations. I love these illustrations by Oakland, California based... T.co
Jul 26 2015, 9:49am
RT @markbeckygames: Win a FREE Splatoon Amiibo 3 pack! Just follow us & RT to enter. Don't forget to subscribe ✌ T.co h…
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RT @shave_my_lemon: A Diane Keaton T Shirt, with a 5 pack of brass knuckles AND ham?!?! DREAMS CAN COME TRUE #PrimeDayFail T.co…
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@DrBrianNaughton Is that a willy?
Jul 13 2015, 7:45am
This group has been formed to gather the people who enjoy Japanese anime and all of its facets, to salute the people from the land of the Rising Sun.
Join this group if you are a big fan of the Battlefield series by EA/Dice!
Desura is a community driven digital distribution service for gamers, putting the best games, mods and downloadable content from developers at gamers...


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Brooklyn Nude is a life drawing night catering to creative professionals, illustrators, animators, designers and fine artists. We meet every Wednesday at Bunnycutlet Gallery in Williamsburg. Check out schedule for details http://bunnycutlet.com/events/BrooklynNude....
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McNaughton Fine Art The Title of this painting is "Wake Up America" Depicts the artists concern with the growing National debt, and how we all must make choices to unlock the shackles that enslave us.
Jon McNaughton Controversy | Jon McNaughton Painting Depicts Barack Obama Trampling on U.S ...
The Forgotten Man by Jon McNaughton
White Houses, Parks Benches, The Artists, Found Father, Jon Mcnaughton, Bill Clinton, Forgotten Man, Barack Obama, United States
"The Forgotten Man, " by artist Jon McNaughton, depicts President Obama trampling on the Constitution of the United States while an astonished President James Madison pleads with him to stop. To the side, a common man sits on a park bench in the throes of depression while the 42 other presidents look on in dismay.
"The Forgotten Man" by Jon McNaughton - *****Anthony Gloder: This is a pretty amazing painting done by artist Jon McNaughton. A larger picture can be found on the internet and the artist's meaning of the painting. The large piece of paper Obama is stepping on is the constitution, the loose dollars are symbolizing the worthlessness of our currency, and I believe the man symbolizes every working American. *******Erich Davis: Its a sad painting. In my memory there has never been a time when A...
Wow. Painting by Jon McNaughton "Forgotten Man" depicting Barry O. trampling the constitution while James Madison pleads with him to stop. Is that Bill Clinton clapping?! Of course it would be.
Judge: Founding Fathers Turning In Graves At Obama's 'Unconstitutional, Murderous' Behavior! Artist Jon McNaughton's great artwork. Titled: "The Forgotten Man" (breaks my heart)
The Forgotten Man. Against the background of a darkening sky, all of the past Presidents of the United States gather before the White House, as if to commemorate some great event. In the left hand corner of the painting sits a man. That man, with his head bowed appears distraught and hopeless as he contemplates his future. Some of the past Presidents try to console him while looking in the direction of the modern Presidents as if to say, "What have you done?" Many of these modern Presidents, seemingly oblivious to anything other than themselves, appear to be congratulating each other on their great accomplishments. In front of the man, paper trash is blowing in the wind. Crumpled dollar bills, legislative documents, and, like a whisper—the U.S. Constitution beneath the foot of Barack Obama. artist: — Jon McNaughton
The Via Dolorosa - Jon McNaughton--I love his paintings and the meaning behind them.
Christian Families, Art God, Easter, Dolorosa, Christ Jesus, Savior, Crosses, Christian Ld, Faith Formations
Lds lesson ideas. Easter
Jon McNaughton painting: "VIA DOLOROSA" The name of street where Jesus carried his cross.
Diamond Rio: In God We Still Trust
America, Diamonds Rio, Beautiful Songs, Patriots Songs, U.S. Presidents, Trust Diamonds, Videos Songs, God Blessed, Music Videos
Diamond Rio: In God We Still Trust PLEASE take a few minutes, to watch this music video, and read the message below. WE CANNOT allow "our" government to ban this song.
God Bless America
DiamondRio - In God We Still Trust Listen to this beautiful song. This was never released to the public because radio stations considered it to be "politically incorrect" Please pass this on.
Diamond Rio: In God We Still Trust Diamond Rio concert. They received an immediate resounding standing ovation, and continue to do so every time they perform it! Sadly, major radio stations wouldn't play it because it was considered politically incorrect'. Consequently, the song was never released to the public. Now Congress is getting involved. Your President is saying that is not fit for release because it offends so many. So America , see what you think...
Beautiful patriotic song!
Where the Stars and Stripes and the Eagle Fly (Aaron Tippin)
Awesome Songs, Blessed America, Eagles Flying, Patriots Songs, Country Music, Songs Lyrics, Music Country Songs, Aaron, American Patriots
check out later - one pinner said - Free American Patriotic Songs, Lyrics & Videos, Glad I'm Livin In The USA, National Anthem, America the Beautiful, God Bless America, Coming to America, The Battle Hymn of the Republic, God Bless the USA and 30 more!
Aaron Tippin - 'Where The Stars & Stripes & The Eagle Fly'
"Where the Stars and Stripes and Eagle Fly" such an awesome song!
Ray Stevens-The Streak. You all remember this one?-- my favorite one by Ray Stevens
The Streaks, Remember This, Ray Steven, Songs Hye-Kyo, Ray Videos, Www Raysteven Com, Music Videos, Ray Tv, Funniest Songs
Ray Stevens - The Streak (one of the funniest songs ever written)He ♥ this song
The Mississippi Squirrel Revival by Ray Stevens
Squirrels Revival, Comics Videos, Steven Mississippi, Comedy Videos, 70 S Music, Funny, Ray Stevens Music, Mississippi Squirrels, Music Videos
Ray Stevens Mississippi Squire Revival
The Mississippi Squirrel Revival - Off the DVD Ray Stevens - Comedy Video Classics, a comedic song about a squirrel that gets loose at church and the chaos that ensues Check out this DVD and other releases at: http://www.raystevens.com/videography.php?blog=8=ASC=1=3 Buy the DVD at: http://raystevens.com/shop/index.php?main_page=product_info_...
Comical video about a revival!
The Mississippi Squirrel Revival by Ray Stevens - click through and watch the video - funny, funny funny!
▶ Ray Stevens - Obama Budget Plan - YouTube... THIS! Another pathetically sad TRUTH thanks to the NONesteemed pos potus known to SOME as Barack Hussein Obama, Also known to MANY Millions More as the IDIOT DESTROYING OUR COUNTRY, another executive order at a time! Congress? Nah I'll just whip out my mighty pen and bypass over and over and over again...dhw
Ray Stevens - Obama Budget Plan
Comedy Videos, Budget Plans, Kinda Music, Country Music, Hussein Obama, Funny Videos, Funny Songs, Music Videos, Obama Budget
Ray Stevens music video "Obama Budget Plan".
Ray Stevens - Obama Budget Plan This is a Funny Video, that depicts the TRUTH.. to the printing of money out of thin air.. but it really is no Laughing Matter.. Everyone Needs to protect themselves against the Global Debt & Currency Crisis.. We have YOUR SOLUTION. . Please visit: http://karatbargold.info/ to get the information and start to protect yourself & your family now.. and also: http://yourfiancialfreedomsystem.com/
▶Ha ha ha ha.... NO! WAIT!! Is this funny?? A little too much truth to it, maybe. Ray Stevens - Obama Budget Plan - YouTube... Another pathetically sad TRUTH thanks to the "esteemed" POTUS known as Barack Hussein Obama and his co-horts in D.C..
Ray Stevens - God Save Arizona
Ray Stevens - God Save Arizona Thank you Ray ! How sad it is to know our Goverment is so underhanded as to sell out not only my state but the whole country. Then have the balls to look you in the eye and ask for your vote!!
Ray Stevens - Mr. President - Mr. President
Presidents, Rome Italy, Steven Songs, Funny Songs, Music Videos, Mrpresidentray Steven, Raysteven, Obama, Country Singers
Ray Steven's song Mr. President
#RayStevens Has Some Questions For #Obama
Country Singer Ray Stevens Releases New Song: "Mr. President" [VIDEO]
President Giorgio Napolitano - 02/06/2011 Via dei Fori Imperiali, Rome, Italy
Ray Stevens - We The People - RayStevens.com


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Soosha, 25-year-old Denver Zoo polar bear, dies after "severe decline in health"
Cranbeary the polar bear is no stranger to loss or heartbreak. Two years ago, she lost her mate, Frosty, who died of liver cancer at the age of 25, just one month after Cranbeary arrived at the zoo to er, become acquainted with him. And last week, Cranbeary's aunt, 25-year-old Soosha, was euthanized after what the zoo terms "a severe decline in health." At the end, Soosha refuse to eat or take her medications, the zoo says.
Here's the official word from the zoo:
Soosha, a beloved 25-year-old female polar bear at Denver Zoo, passed away March 14, 2012. The elderly bear was euthanized after a severe decline in health. The longevity of polar bears is 20-25 years.
"It is always difficult to make this type of decision. Despite our best efforts to help her, Soosha's quality of life declined severely over the last few months. As hard as it is, this was the right thing to do. She will be missed by us all very much," says Denver Zoo Vice President of Veterinary Medicine Dr. Scott Larsen.
Soosha began to show increased joint pain, decreased mobility and lethargy the past few months. Although she received medications for her joint pain, she did not return to her normal self. Multiple medical examinations did not offer conclusive information as to why Soosha began to decline food and eventually quit eating altogether. On March 14, veterinary staff humanely euthanized the bear that had not eaten or accepted pain medications her last few days.
"Soosha was adored by zoo staff and our community. She was well-known and loved. Her death is even more difficult because it is the end of an era. She was the last of the iconic Denver Zoo polar bears that came to Northern Shores in 1987," says Denver Zoo spokesperson Tiffany Barnhart.
The zoo could have more polar bears -- baby polars bears! -- soon, however. Late last year, ten-year-old Cranbeary got a new mate when twelve-year-old Lee came to live in Denver. Just as zoo staff hoped, the two bears hit it off. They now spend their days splashing and snuggling and -- fingers crossed! -- making cubs.
See an adorable photo and an even more adorable video (with commentary!) below.
Denver Zoo
More from our News archive: "Denver Zoo welcomes 11,000-pound male elephant Groucho."
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L1 flashcards portfolio management (ss12)
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Transcript of "L1 flashcards portfolio management (ss12)"
1. The Portfolio Approach to InvestingWell Diversified Single Security Less likely to lose theirinvestment Reduce the total risk of aportfolio Reduce overall portfoliovolatility Greater probability of losingtheir investment Unsystematic risk Flat portfolioStudy Lesson 12, Reading 43
Types of Investors Individual Investors Short-term goals of individual investors can be children'seducation expenses, or lumpy purchases Long term goals can be retirement plans paid such as adefined benefit contribution plan. Under a defined benefit contribution plan, the employeereceives a fixed cash pension payment at the time ofretirementStudy Lesson 12, Reading 43
Types of Investors Institutional Investors Includes commercial banks, investment banks, insurancecompanies, asset management companies, etc. Endowment funds by universities Banks invest in excess financial reservesStudy Lesson 12, Reading 43
The Portfolio Management ProcessAn Investment Policy Statement maps out an investors needsand restrictions. It is designed to allow investment advisors tomake investment recommendations which suit that particularinvestor's objectives.Study Lesson 12, Reading 43
Stages in Developing anInvestment Policy Statement Step 1: Planning. Understanding the client's goals andpreparing the IPS. Step 2: Execution. Deciding the assetallocation, undertaking security analysis, and portfolioconstruction. Step 3: Feedback. Monitoring and rebalancing ofportfolio, measurement, and reporting performance.Study Lesson 12, Reading 43
Mutual Funds It is a pool of investment capital from individuals andinstitutions that is managed by a fund manager. Two types of mutual funds: open-end and closed-end Open-end funds: when new investors invest by investingcapital with asset managers at the latest net asset value. Closed-end funds: when new investors can only gainexposure to the fund by purchasing existing shares in thefund from another investor. Mutual funds exist for investments in moneymarkets, bonds, stocks, and balanced funds.Study Lesson 12, Reading 43
Mutual Funds Money Market Funds: Investments in high-quality, shortterm, corporate or government debt. Bond Funds: Invest in all types of rated debt from low to highquality debt and does not have a maturity restriction. Stock Market Funds: Invest in a portfolio of equity securities.Can be either Active or Passive Balanced Funds: Invest in a portfolio across a range of assetclasses and securities.Study Lesson 12, Reading 43
Measures of Investment Returns:Calculating Returns The Holding Period Return of an investment in a single securityis calculated as:Where: D is the dividend, P is the price, t-1 is the date of theinitial investment, and t is the date the investment is exited orthe measurement end date.Study Lesson 12, Reading 44
Measures of Investment Returns:Calculating Returns The HPR of an investment over three years can becalculated as:Study Lesson 12, Reading 44
Measures of Investment Returns:Money Weighted Return The money weighted return weights the returns achieved byeach asset in a portfolio by the weight of capital invested ineach security. The formula is identical to the IRR formula:Study Lesson 12, Reading 44
Measures of Investment Returns:Annualizing Returns Investors can annualize return measures using the followingformula: In the formula above, c is the number of periods in theinvestment horizon. For example, if quarterly returns are beingannualized, c=4.Study Lesson 12, Reading 44
Measures of Investment Returns:Returns of a Portfolio The return of a portfolio can be calculated by weightingreturns generated by the portfolio: Where w is the weight, R is the return, and i represents asingle security in the portfolio.Study Lesson 12, Reading 43
Measures of Investment Returns:Arithmetic vs. Geometric Returns The arithmetic average of investment returns is simply themean of the returns over a number of periods. The geometric average returns need to be calculated over asequential period of investment. For example, assume the returns on an investment portfolioover 5 periods were 90%, 10%, 20%, 30% and -90%. Using thegeometric average returns formula ([(1.9 x 1.1 x 1.2 x 1.3 x 0.1)^ 1/5] – 1), the geometric return can be calculated as -20.1%.Study Lesson 12, Reading 43
Characteristics of Major Asset Classes Equities: Investing in equities or stocks is an investment in asecurity representing an ownership interest in a business. Fixed Income: Fixed Income securities provide a return in theform of fixed periodic payments (coupons) and the eventualreturn of principal at maturity. Cash and Cash Equivalents: Assets such as cash or those thatcan be converted into cash immediatelyStudy Lesson 12, Reading 44
Geometric Mean Return Average of returns over a number of period. The geometric mean return can be calculated as: where is the return of period 't' , and T is the total number ofperiods. Gross return is the returns calculated before any deduction ofexpenses is made and Net Return is what the investoreventually earns after all the expenses are accounted for.Study Lesson 12, Reading 44
Variance of a Portfolio Variance is an indicator of the historical riskiness of returns ofa various asset. High variance in historic returns signals a highrisk investment. where R is return over period 't', and T is the total number ofperiods, while is average of T returns, supposing T representsthe population of returns.Study Lesson 12, Reading 44
Variance of a Portfolio If a sample is provided, then the following formula is used tocalculate the sample variance: The Standard Deviation of an asset's returns is square root ofthe variance.Study Lesson 12, Reading 44
Variance of a Portfolio The variance of portfolio can be calculated using thefollowing formula: Covariance measures the tendency for returns of two assetsto move in the same direction at the same time. It iscalculated using the following formula:Study Lesson 12, Reading 44
Risks Aversion and Its ImplicationsFor Portfolio Selection Risk aversion is the willingness of an investor to accept risk inthe pursuit of higher returns. Risk-Seeking investors Risk-Neutral investors Risk-Averse investors Risk tolerance is the opposite of risk aversion.Study Lesson 12, Reading 44
Risks Aversion and Its ImplicationsFor Portfolio Selection Each investor has a Utility Function which helps investmentadvisors select investments which maximise the investor'sutility. The Utility Function is calculated as:U = utility of one investmentE(r) = expected return= investment's varianceA =risk aversion measure of an investorStudy Lesson 12, Reading 44
Risks Aversion and Its ImplicationsFor Portfolio Selection The following chart highlights the different indifference curvesfor different types of investors:Study Lesson 12, Reading 44
Return of a Portfolio The return of a portfolio can be calculated as the weightedaverage of the returns of each asset which makes up theportfolio. It can be calculated as:Study Lesson 12, Reading 44
Risk of a Portfolio The risk of a portfolio can be measuredby the variance and standard deviation of returns. The variance of returns of a portfolio can be calculated as: The standard deviation of a two asset portfolio can becalculated as:Study Lesson 12, Reading 44
Covariance and Correlation In order to calculate the variance and standard deviation of amulti-asset portfolio, we need to consider the covariance ofreturns between the assets. The covariance of returns can be calculated as:Cov (R1, R2) = p12σ1σ2 Where p12 is correlation of R1, R2; p12 =+1: The returns of twoassets are exactly the same through; p12 = -1: The returns oftwo assets are exactly inverse of each other through time; p12= 0: The returns of two assets are not related to each other.Study Lesson 12, Reading 43
Risk and Return of aPortfolio with >2 AssetsThe return of a multiple asset portfolio can be calculated as:Assuming all assets have an equal variance and equalcorrelation, the equation above can be restatedStudy Lesson 12, Reading 43
Impact of Portfolio Risk of Investing inLess Than Perfectly Correlated AssetsAn investor can reduce the total risk of a portfolio by combiningassets in a portfolio which have a correlation of returns <1. Thisis the key driver of the benefits of Diversification.How Diversification Benefits are AchievedThe lower the correlation between the assets, the greater thediversification benefits.Study Lesson 12, Reading 43
Minimum-Variance and EfficientFrontiers of Risky Assets and theGlobal Minimum-Variance PortfolioStudy Lesson 12, Reading 44
Minimum-Variance and EfficientFrontiers of Risky Assets and theGlobal Minimum-Variance Portfolio The leftmost point on the minimum-variance frontier is knownas the global minimum-variance portfolio. This is the portfolioof risky assets with the lowest possible risk (ie standarddeviation). The Markowitz Efficient Frontier is the minimum-varianceportfolio at all points above the Global Minimum VariancePortfolio. As an investor moves along the Markowitz EfficientFrontier, the return for each unit of risk decreases.Study Lesson 12, Reading 44
Optimal Portfolio of Risk-Freeand Risky AssetsStudy Lesson 12, Reading 44
Optimal Portfolio of Risk-Free andRisky Assets A risk-free asset lies on the Y-axis. An investor can combine the risk free asset with a portfolio ofrisky assets, in order to reach a satisfactory risk/return tradeoff. All points on the efficient frontier can be grouped with therisk-free asset to highlight the potential portfoliocombinations. In the following chart, CAL (P) dominates CAL (A) given it has ahigher return for a given level of risk. Investors risk preferences can be illustrated by the use ofindifference curves.Study Lesson 12, Reading 44
The Capital Allocation LineStudy Lesson 12, Reading 45
The Capital Allocation Line The Capital Allocation Line (CAL) graphs the potential risk andreturn portfolios that an investor can achieve by combining aportfolio of risky and risk-free assets. The CAL can also be known as the "reward-to-variability ratio". The Optimum Risky Portfolio falls at the intersection of anindifference curve and the capital allocation lineStudy Lesson 12, Reading 45
Implications of Combining a Risk-Free Asset With a Portfolio of RiskyAssets The Capital Asset Pricing Model can be used to predict theexpected return of an optimised risky portfolio. While different investor's have different risk preferences, theCAPM assumes homogeneity of expectationsStudy Lesson 12, Reading 45
The Capital Market Line The Market Portfolio contains all available risky assets thathave a value attached to them and are tradeable. A Capital Allocation Line (CAL) maps of potential risk andreturn profiles of portfolios which combine a risk-free assetand a risky portfolio. The Capital Market Line (CML) is a special case of a CapitalAllocation Line (CAL) where the risky asset is the marketportfolio.Study Lesson 12, Reading 45
The Capital Market LineStudy Lesson 12, Reading 45
Systematic vs. Non-Systematic Risk Systematic risk is the market risk that an investor assumes byinvesting in risky assets. It is driven by fluctuations in economicconditions etc. Non-systematic risk is specific to an industry or asset class. Total Risk = Systematic Risk + Non-Systematic RiskStudy Lesson 12, Reading 45
No Additional Return For BearingNon-Systematic Risk Given that systematic risk is diversifiable, investors are notrewarded for bearing this type of risk. This suggests that investors are better off investing in a fullydiversified portfolio in order to maximize the risk/return tradeoff.Study Lesson 12, Reading 45
Return Generating Models The quality of the estimated returns depends solely on thequality of inputs and how robust the prediction model is. Multi-factor models estimate returns by attributing returns tomore than one risk factor. One type of multifactor model is a macroeconomic modelwhich estimates returns by considering a range of economicfactors. "Fama and French models" multifactor models typicallycontain 3 or 4 factors that contribute to returns. Single-index model only uses one factor.Study Lesson 12, Reading 45
The Market Model The market model is an example of a single factor model. The market model can be expressed as:Study Lesson 12, Reading 45
BetaCalculating and Interpreting Beta Beta measures the sensitivity of an asset to fluctuations in themarket. Variances and correlation used in the calculation of beta areestimates from historic returns. An asset with a positive beta suggests that returns of theunderlying asset tend to move in the same direction as themarket. A negative beta suggests that returns generated bythe asset tend to be inverse to returns achieved by themarket, leading to low systematic risk.Study Lesson 12, Reading 45
BetaCalculating and Interpreting Beta A single-index model also known as the Capital Asset PricingModel (CAPM) can be used to calculate beta: The market model can also be used to estimate beta (byrearranging the following formula):Study Lesson 12, Reading 45
Capital Asset Pricing Model Assumptions: Investors are risk averse, that they know balance of risk-returntrade off. Frictionless markets are markets with no transactional costs ortaxes, hence borrowing and lending happens at risk-free rate. Single period planning by investors is where an investor makes aninvestment for a single period. The homogenous belief of investors is that every investor has thesame method to analyse. Investments are divisible infinitely. Price taking investors are investors who do not dictate pricing, thustrading does not affect pricing of the underlined asset.Study Lesson 12, Reading 45
The Security Market Line A graphical representation of the CAPM where the expectedreturn is plotted on the y-axis and the beta is plotted on x-axis.Study Lesson 12, Reading 45
Application of the CAPM The risk and hence expected return of an investmentopportunity can be calculated using the CAPM. The CAPM can be used to estimate the appropriate discount orhurdle rate to be used in capital budgeting .Study Lesson 12, Reading 45
The Sharpe Ratio and Treynor Ratios Indicators of risk adjusted returns based on the CAPM. Sharpe Ratio: Treynor Ratio:Study Lesson 12, Reading 45
The M2 Ratio The M2 is an extension of the Sharpe ratio. It suggests that a portfolio that outperforms the market on arisk adjusted basis will have a positive M2 and a negative M2 ifit underperforms. The M2 can be calculated as:Study Lesson 12, Reading 45
The Information Ratio Measures portfolio returns above the returns of a benchmark,relative to the volatility of those returns. Measures a portfolio managers ability to generateexcess returns relative to a benchmark, but also attempts toidentify the consistency of the relative performance. The Information Ratio can be calculated as: A large information ratio suggests that the investor is able togenerate positive risk adjusted returns.Study Lesson 12, Reading 45
The Information Ratio Measures portfolio returns above the returns of abenchmark, relative to the volatility of those returns. Measures a portfolio managers ability to generateexcess returns relative to a benchmark, but also attempts toidentify the consistency of the relative performance. The Information Ratio can be calculated as: A large information ratio suggests that the investor is able togenerate positive risk adjusted returns.Study Lesson 12, Reading 45
Investment Policy Statement The key objective of the Investment Policy Statement (IPS) is tooutline the investor's objectives, and willingness/ability to takerisk. The IPS of an investor must be reviewed on a regular basis. The objectives of the investor need to be explained in terms ofboth risks and rewards. For each client, the IPS should be well defined, and allconstraints regarding liquidity, taxation, timeperiod, regulatory and other unique needs should beaddressed.Study Lesson 12, Reading 46
Major Components of IPS Introduction Statement of Purpose. Statement of Responsibilities Procedures Investment objectives Investment Constraints. Investment Guidelines Evaluation and review AppendicesStudy Lesson 12, Reading 46
Risk and Return Objectives Risk tolerance should be stated in the Investment PolicyStatement. Risk objective should be stated whether they arefixed, variable, or a mixture of both. The return objective defines how much an investor wants toearn. The return objective should be realistic, and returnexpectations should be managed considering the investor'srisk profile.Study Lesson 12, Reading 46
An Investor's Financial RiskTolerance: Willingness Vs. Ability ToTake Risk Risk bearing ability can be broken down into three majorcomponents: Time range Expected cash flows The ratio of wealth to liabilities.Study Lesson 12, Reading 46
Investment Constraints The Investment Policy Statement (IPS) of an investor shouldconsider its investment constraints. There are 5 baskets of financial constraints: Liquidity Time Horizon Taxation Legal & Regulator Unique CircumstancesStudy Lesson 12, Reading 46
Strategic Asset AllocationInvestors can strategically alter the weight of the investmentportfolio across different asset classes in order to benefit fromthe returns of asset classes at different points of the economiccycle.Study Lesson 12, Reading 46
Asset Classes Traditional asset classes include: Bonds Equities Cash Real estate Alternative asset classes include: Commodities Hedge funds Private equity.Study Lesson 12, Reading 46
How Strategic Asset Allocation orInvestment Policy StatementTranslates into an Actual Portfolio An investor considers long-term capital market expectationsand its Investment Policy Statement (IPS) to form its StrategicAsset Allocation. When investors choose between assets with similar expectedreturn profiles, they tend to select the least risky asset. Ifassets with similar risk profiles are presented, investors choosethe asset with the highest return.Study Lesson 12, Reading 46
How Strategic Asset Allocation orInvestment Policy StatementTranslates into an Actual Portfolio The following formula calculates the expected utility of aninvestor's portfolio as the expected returns of theportfolio, adjusted for the portfolio's risk levels and riskaversion.= Expected utility of investor portfolio = Portfolio's expected return = Portfolio return's standard deviation = The risk aversion of investor is measured by .Study Lesson 12, Reading 46