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Jennifer Lopez and nuvoTV Announce Exclusive Creative, Production and Marketing Partnership
Jennifer Lopez, world-renowned actor, recording artist and businesswoman, and nuvoTV (www.mynuvotv.com), the first English-language cable network for U.S. Latinos, announced today an exclusive creative, production and marketing partnership to bolster nuvoTV's mission to deliver entertainment for today's powerful Latino audience. As a partner with the network, Lopez and her Production Company, Nuyorican Productions, will collaborate closely on all creative elements, including programming strategy, production and marketing. Lopez will also promote the network and work with nuvoTV to develop exciting new content targeting the Latino audience. She will work closely with nuvoTV's distribution and advertising partners to help grow nuvoTV's overall business.
"As an artist, businesswoman, producer and Latina, I'm passionate about seeing multicultural America on TV," said Jennifer Lopez. "My partnership with nuvoTV reflects our mutual goal of creating top-quality entertainment and exciting stories that embrace the richness and beauty of Latin culture in America today."
Under this comprehensive partnership, Lopez, who was listed #1 on Forbes "Most Powerful Celebrity List for 2012," will act as a creative collaborator with nuvoTV, working to build and refine the original programming lineup, contributing new series and shows through Nuyorican Productions, and helping to drive viewership to the network. She will also act as executive producer on nuvoTV projects together with her long-time production partners, Simon Fields and Benny Medina. The first Nuyorican produced project for nuvoTV will be a music special based on Jennifer Lopez's current Dance Again World Tour.
"Jennifer Lopez is a creative powerhouse and the perfect partner for our network and we are absolutely thrilled to have her on board with us," said Michael Schwimmer, CEO, nuvoTV. "Jennifer's unique combination of talent, imagination and determination, combined with her passion for great entertainment, gives nuvoTV a wonderful opportunity to redefine television tailored for English-speaking Latinos."
Schwimmer also noted plans to strengthen nuvoTV's leadership team to drive the aggressive execution of an enhanced network brand and programming strategy, with deeper support and investment at the content and marketing levels.
Created more than eight years ago as the first English-language television network for U.S. Latinos, nuvoTV is an independent network that currently reaches more than 30 million homes with popular, culturally-relevant and compelling content. nuvoTV creates programming for today's U.S. Latinos, the fastest growing and increasingly influential demographic in America.
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December 19, 2014
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- ComedySportz Chicago Set for Musical Improv Festival and More This Summer
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- Comics Sunda Croonquist and Mike Marino Set for The Paramount, 8/14-15
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Where you stretch your ballsack so far out that the ball hairs are evenly distributed so it feels like a piece of velvet when you run it between your thumb and forefinger.
My sister gave me a velvet stretch.
by yjrjhet May 16, 2006
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subset: commoncrawl


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Barclays (BCS) agrees to acquire ING Direct U.K., with the British bank taking on deposits of...
Barclays (BCS) agrees to acquire ING Direct U.K., with the British bank taking on deposits of £10.9B and mortgages of £5.6B, as well as 1.5M customers and 750 employees. The mortgage book has a loan-to-value ratio of 50% as of Aug 31, with Barclays paying a 3% discount but buying the deposit book at par. ING (ING) is taking a €320M after-tax loss on the sale. (PR: Barclays, ING)
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California State Fair shows SD (just) a little love
Two new breweries place alongside longtime favorites
Ian Anderson 5 p.m., July 30
San Diego Blood Bank Blood Mobile at Balboa and Genesee Avenues.
Photo by Gail Powell
Posted December 21, 2010
Ian Anderson 5 p.m., July 30
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From Our Editors
Settle down with delicious dumplings and other Chinese favorites at Joseph Poon Chef Kitchen in Philadelphia. Low-fat and gluten-free options are featured on the menu as well. Ideal for large groups, Joseph Poon Chef Kitchen will make sure your party feels anything but cramped.
It doesn't get much more laid-back than Joseph Poon Chef Kitchen, so dress for comfort when you come. Through their catering service, Joseph Poon Chef Kitchen can also set out a delicious spread for your next party.
Those driving to Joseph Poon Chef Kitchen can choose to find street parking or leave their vehicle in the nearby lot.
Prices are a bit on the higher side, so this might be a good pick for a special night out. You'll need a couple Andrew Jacksons for a visit to Joseph Poon Chef Kitchen — they only accept cash.


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From Publishers Weekly
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From School Library Journal
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I am just 41 pages into the book, but so far, it seems very interesting.Published 23 days ago by Barbara Crooke
One of the enduring legacies of Hitler's Germany was it's success in defining its future in the public memory. Read morePublished 4 months ago by Keith A. Comess
Mazower's book is a fantastic book on how the Nazis ruled Europe. This was recommended to my by my 4th year history professor. There is no doubt why that is. Read morePublished 6 months ago by joe
A great book, the second time I've read it, to bad it's not on Kindle.
Mark Mazower never fails to impress with an incredible grasp of the subject.
Much more academic than other "Third Reich" books I have read, this volume offers some very interesting perspectives. Read morePublished 17 months ago by Jason Russell
Instead of repeating the many reviews, and because this item raises so many issues, I focus only on a few generally-unmentioned facts, related to the Polish experience. Read morePublished 22 months ago by Jan Peczkis


text: Joe Kickass - Unga Bunga (Denver Remix) by denver... published on 2011/05/02 07:36:16 +0000 Denver remix featured on the Ep 'Mind Joe' released by Project Mooncircle. Get the whole Ep including also remixes from 40Winks, Comfort fit and Killing Skills, here: http://www.projectmooncircle.com/releases/93 Comment by Breathing Beats likee this! 2011/05/17 18:09:24 +0000


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School Overview
|School Membership(s)School Assoc.
|The Jewish Community Day School Association (SSDSA)
|Religious Affiliation
|Grades Offered
|Grades Kindergarten - 8
|Year Founded
Student Body
|Total Students
|70 students
|Student Body Type
|Students by Grade
Academics and Faculty
|Total Classroom Teachers
|10 teachers
|Student : Teacher Ratio
National avg.: 13:1
|% Faculty w/Advanced Degree
|Average Class Size
|10 students
Finances and Admission
|Admission Deadline
|None / Rolling
|Yearly Tuition Cost
|% on Financial Aid
|Average Financial Aid Grant
|Acceptance Rate
National avg.: 85%
School Notes:
A walk through the halls of the JA will immediately impress you
with the creativity of our faculty and student body. At the JA, our
talented teachers, including the Tech, PE, Art, Music and Dance
specialists, take great pride in their work, and their dedication
shines through every day. Our goal is to well prepare your child
for a life of learning and accomplishments, while growing to
appreciate the richness of their Jewish identity. We are a STEM
school, combined with a focus on Jewish values and character
development. We are proud of our UNIVERSITY PARTNERSHIPS with Stony
Brook University, Touro Law School, and Cold Spring Harbor DNA
We help develop the tools your child will need, to grow into a person you will be proud of.
Profile last updated: 04/12/2015
Nearby Schools:
- School Location Miles Grades Students
Commack80 Hauppauge Rd
Commack, NY 11725
(631)462-0386Special Education School0.3 mi | Gr. PK | 18 students
Commack2 Indian Head Rd
Commack, NY 11725
(631)543-0202(Roman Catholic)1.6 mi | Gr. PK-8 | 354 students
Commack1 Bette Lane
Commack, NY 11725
(631)543-4949Daycare / Preschool (Non-sectarian)2 mi | Gr. NS-PK | 100 students
Commack40 Kings Park Road
Commack, NY 11725
(631)736-21462.3 mi | Gr. K-12 | 82 students
Smithtown525 Veterans Memorial Highway
Smithtown, NY 11787
(631)864-4064Daycare / Preschool (Non-sectarian)2.9 mi | Gr. NS-PK | 159 students


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text:
|Name: _________________________
|Period: ___________________
This test consists of 5 short answer questions, 10 short essay questions, and 1 (of 3) essay topics.
Short Answer Questions
1. What book does Norman suggest that Billy read?
2. What is the first thing Norman says to Billy after his father goes outside?
3. What happened in Brussels with Bill and Chelsea?
4. How does Chelsea greet her father?
5. How does Ethel respond to Norman's comment?
Short Essay Questions
1. Describe the scene that occurs after Charlie arrives and what theme this vignette may illustrate.
2. What can be inferred by the fact that Norman calls Billy by the name Chelsea from time to time?
3. The fact that Ethel twice suggests that Chelsea make amends with her father because he is old and will not live much longer seems to clearly be foreshadowing something. What do you think it foreshadows?
4. One of the statements Bill makes to Norman about Norman's teasing suggests that Chelsea has already prejudiced Bill towards Norman. Describe the scene and say if you think it was fair or wise of Chelsea to "warn" Bill.
5. Give a brief synopsis of the conversation Chelsea and Ethel have about Norman as Chelsea just arrives.
6. Describe the interaction between Norman and Bill after the others have gone outside.
7. What regret does Norman express and what may that regret foreshadow?
8. What do you think this first interaction that you described in question #31 implies?
9. Describe Bill's appearance and Billy and Norman returning from downstairs and how does this give readers a sense who Bill is?
10. How does the interaction between Norman and Billy Ray in this introductory scene demonstrate the probability that their relationship will be different from the one that Chelsea experienced with her father when she was young?
Essay Topics
Write an essay for ONE of the following topics:
Essay Topic 1
In the very first scene of the play, it is already obvious that one of the themes will be daughter/father relationships. Answer the following questions in a coherent essay using detailed examples from the entire play:
1). Give your opinion about how you think Norman and his daughter will get along, just based upon the little that is revealed in the first scene of the play.
2). The part of the first scene where Norman looks at Chelsea's picture of her in a swimsuit as a teen is a technique called foreshadowing. What does this foreshadow? Is this an effective method to clue the reader in on some future action in the play? Why or why not.
3). Are you as a reader prepared to like Chelsea or not based on what is subtly revealed about her in this first scene? Explain.
Essay Topic 2
In Act 1, Scene 3, young Billy Ray is introduced and hits if off immediately with Norman, who has a somewhat strained relationship with his own daughter, Chelsea. Answer the following questions in a coherent essay using detailed examples from the entire play:
1). Why do you think Norman seems more relaxed and open to Billy Ray versus Chelsea?
2). Do you think Norman would have preferred a son rather than a daughter? Why?
3). Do you think most couples hope for a son as first born or at least having a son to carry on the family name?
4). How do you think the natural inclination for many couples to want at least one son has on the psychological health of daughters?
Essay Topic 3
Two people mentioned in Act 1, Scene 1, are Miss Appley and Miss Tate who are both in their nineties. Ethel implies that these two have been romantically involved for many decades. This play was written in the 1970s, which means Miss Appley and Miss Tate probably became lovers in the early part of the 1900s. Answer the following questions in a coherent essay using detailed examples from the entire play:
1). How difficult do you think it was for the two women to have a relationship in the early part of the 20th century?
2). What do you think the attitude of each of their parents was when it became obvious that the two women were not going to marry men?
3). How would you feel if Miss Appley and Miss Tate were your next door neighbors?
This section contains 1,626 words
(approx. 6 pages at 300 words per page)


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|By Business Wire
Article Rating:
|September 2, 2014 02:00 AM EDT
As enterprises grow and become global, having visibility and data flow analytics across the entire ecosystem is crucial, and essential to the company's governance. Axway (NYSE Euronext: AXW.PA), a market leader in governing the flow of data, today announced the launch of Sentinel 4.1, part of the Axway 5 Suite. Sentinel 4.1 is an easy to use and easy to configure transaction monitoring, alert management and analytics solution now supported by HTML 5 Web-based dashboards. These dashboards provide real time business process visibility and the data flow analytics that companies rely on to address their customers' needs in every industry including financial services, supply chain and healthcare.
With the power of real-time visibility, Sentinel users can be one step ahead of competitors to identify strategic business trends and opportunities, and address emergency business events such as data delivery issues. Companies possessing real-time visibility into their data offer best-in-class service to their partners and customers, resulting in a proactive rather than reactive approach to managing their business. Business operations managers can also automatically generate and provide complete and ready-to-use activity reports for audit purposes, and enhance their visibility into various types of transactions to improve production performance and increase customer and partner satisfaction. Additionally this latest release of Sentinel can be easily used on mobile devices, enabling users to connect with partners and customers from any place at any time, to solve critical business challenges immediately.
"In a dynamic supply chain, you have to be able to move quickly and be really efficient; you have to be able to do more with less, whether that's lowering costs or using fewer resources and technology components," said Therese Gosko, IT manager, UTi Worldwide. "By centralizing and modernizing our B2B operations and utilizing Sentinel for event management, we have simplified production support and gained back the time we used to spend going through each technology layer to find out where and why something went wrong."
This release of Axway Sentinel provides three levels of transaction visibility for IT management or the line of business user:
- Monitor data flow transactions across the enterprise, including Axway and non-Axway applications.
- View both technical and business service level agreements (SLAs) in order to monitor and track key performance indicators (KPIs) against SLAs in real-time.
- Analyze business data events combined with historical data to provide a comprehensive picture of business trends.
"With enhanced visibility and real-time insight into their multi-enterprise data flows, organizations can more effectively manage their business-critical interactions that will improve partner relationships and customer satisfaction," said Dean Hidalgo, executive vice president global marketing, Axway. "From order to cash management, to real time claims processing, Axway Sentinel and Axway 5 Suite give users the ability to govern their data flows inside and beyond the enterprise edge."
To learn more about Axway Sentinel visit: http://www.axway.com/products-solutions/ps-overview/axway-synchrony/sentinel
Read the case study: "UTi Worldwide: Axway Sentinel Delivers Real-Time Visibility and Analytics for Global B2B Center of Excellence"
To learn more about Axway's products and solutions: http://www.axway.com/products-solutions
About Axway
Axway (NYSE Euronext: AXW.PA), a market leader in governing the flow of data, is a global software company with more than 11,000 public- and private-sector customers in 100 countries. For more than a decade, Axway has empowered leading organizations around the world with proven solutions that help manage business-critical interactions through the exchange of data flowing across the enterprise, among B2B communities, cloud and mobile devices. Our award-winning solutions span business-to-business integration, managed file transfer, operational intelligence, API and identity management, and email security– offered on premise and in the Cloud with professional and managed services. Axway is registered in France with headquarters in the United States and offices in 19 countries. www.axway.com
About Axway 5 Suite
Axway 5 Suite offers control and optimization of the flow of data through integration, visibility, policy, security and reliability to govern business-to-business interactions, communities, systems and data types — within and beyond the enterprise edge.
"We've just seen a huge influx of new partners coming into our ecosystem, and partners building unique offerings on top of our API set," explained Seth Bostock, Chief Executive Officer at IndependenceIT, in this SYS-CON.tv interview at 16th Cloud Expo, held June 9-11, 2015, at the Javits Center in New York City.
Aug. 2, 2015 10:00 PM EDT Reads: 676
Mobile, social, Big Data, and cloud have fundamentally changed the way we live. "Anytime, anywhere" access to data and information is no longer a luxury; it's a requirement, in both our personal and professional lives. For IT organizations, this means pressure has never been greater to deliver meaningful services to the business and customers.
Aug. 2, 2015 07:15 PM EDT Reads: 216
Digital Transformation is the ultimate goal of cloud computing and related initiatives. The phrase is certainly not a precise one, and as subject to hand-waving and distortion as any high-falutin' terminology in the world of information technology. Yet it is an excellent choice of words to describe what enterprise IT—and by extension, organizations in general—should be working to achieve. Digital Transformation means: handling all the data types being found and created in the organizat...
Aug. 2, 2015 06:00 PM EDT Reads: 1,120
SYS-CON Events announced today that HPM Networks will exhibit at the 17th International Cloud Expo®, which will take place on November 3–5, 2015, at the Santa Clara Convention Center in Santa Clara, CA. For 20 years, HPM Networks has been integrating technology solutions that solve complex business challenges. HPM Networks has designed solutions for both SMB and enterprise customers throughout the San Francisco Bay Area.
Aug. 2, 2015 05:45 PM EDT Reads: 505
Chuck Piluso presented a study of cloud adoption trends and the power and flexibility of IBM Power and Pureflex cloud solutions. Prior to Secure Infrastructure and Services, Mr. Piluso founded North American Telecommunication Corporation, a facilities-based Competitive Local Exchange Carrier licensed by the Public Service Commission in 10 states, serving as the company's chairman and president from 1997 to 2000. Between 1990 and 1997, Mr. Piluso served as chairman & founder of International Te...
Aug. 2, 2015 04:00 PM EDT Reads: 416
The Software Defined Data Center (SDDC), which enables organizations to seamlessly run in a hybrid cloud model (public + private cloud), is here to stay. IDC estimates that the software-defined networking market will be valued at $3.7 billion by 2016. Security is a key component and benefit of the SDDC, and offers an opportunity to build security 'from the ground up' and weave it into the environment from day one. In his session at 16th Cloud Expo, Reuven Harrison, CTO and Co-Founder of Tufin,...
Aug. 2, 2015 03:00 PM EDT Reads: 543
Container technology is sending shock waves through the world of cloud computing. Heralded as the 'next big thing,' containers provide software owners a consistent way to package their software and dependencies while infrastructure operators benefit from a standard way to deploy and run them. Containers present new challenges for tracking usage due to their dynamic nature. They can also be deployed to bare metal, virtual machines and various cloud platforms. How do software owners track the usag...
Aug. 2, 2015 02:00 PM EDT Reads: 245
SYS-CON Events announced today that MobiDev, a software development company, will exhibit at the 17th International Cloud Expo®, which will take place November 3–5, 2015, at the Santa Clara Convention Center in Santa Clara, CA. MobiDev is a software development company with representative offices in Atlanta (US), Sheffield (UK) and Würzburg (Germany); and development centers in Ukraine. Since 2009 it has grown from a small group of passionate engineers and business managers to a full-scale mobi...
Aug. 2, 2015 12:00 PM EDT Reads: 342
With SaaS use rampant across organizations, how can IT departments track company data and maintain security? More and more departments are commissioning their own solutions and bypassing IT. A cloud environment is amorphous and powerful, allowing you to set up solutions for all of your user needs: document sharing and collaboration, mobile access, e-mail, even industry-specific applications. In his session at 16th Cloud Expo, Shawn Mills, President and a founder of Green House Data, discussed h...
Aug. 2, 2015 11:45 AM EDT Reads: 478
For IoT to grow as quickly as analyst firms' project, a lot is going to fall on developers to quickly bring applications to market. But the lack of a standard development platform threatens to slow growth and make application development more time consuming and costly, much like we've seen in the mobile space. In his session at @ThingsExpo, Mike Weiner, Product Manager of the Omega DevCloud with KORE Telematics Inc., discussed the evolving requirements for developers as IoT matures and conducte...
Aug. 2, 2015 11:15 AM EDT Reads: 353
There are many considerations when moving applications from on-premise to cloud. It is critical to understand the benefits and also challenges of this migration. A successful migration will result in lower Total Cost of Ownership, yet offer the same or higher level of robustness. In his session at 15th Cloud Expo, Michael Meiner, an Engineering Director at Oracle, Corporation, analyzed a range of cloud offerings (IaaS, PaaS, SaaS) and discussed the benefits/challenges of migrating to each offe...
Aug. 2, 2015 11:00 AM EDT Reads: 170
One of the hottest areas in cloud right now is DRaaS and related offerings. In his session at 16th Cloud Expo, Dale Levesque, Disaster Recovery Product Manager with Windstream's Cloud and Data Center Marketing team, will discuss the benefits of the cloud model, which far outweigh the traditional approach, and how enterprises need to ensure that their needs are properly being met.
Aug. 2, 2015 09:00 AM EDT Reads: 1,698
In their session at 17th Cloud Expo, Hal Schwartz, CEO of Secure Infrastructure & Services (SIAS), and Chuck Paolillo, CTO of Secure Infrastructure & Services (SIAS), provide a study of cloud adoption trends and the power and flexibility of IBM Power and Pureflex cloud solutions. In his role as CEO of Secure Infrastructure & Services (SIAS), Hal Schwartz provides leadership and direction for the company.
Aug. 2, 2015 08:15 AM EDT Reads: 181
In a recent research, analyst firm IDC found that the average cost of a critical application failure is $500,000 to $1 million per hour and the average total cost of unplanned application downtime is $1.25 billion to $2.5 billion per year for Fortune 1000 companies. In addition to the findings on the cost of the downtime, the research also highlighted best practices for development, testing, application support, infrastructure, and operations teams.
Aug. 2, 2015 07:00 AM EDT Reads: 179
The Internet of Everything (IoE) brings together people, process, data and things to make networked connections more relevant and valuable than ever before – transforming information into knowledge and knowledge into wisdom. IoE creates new capabilities, richer experiences, and unprecedented opportunities to improve business and government operations, decision making and mission support capabilities.
Aug. 1, 2015 10:00 AM EDT Reads: 334


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|Robert Kraft Slams League Office in Defense of Tom Brady; Belichick Moves On
|Five Most Important Patriots Heading Into Camp: 1, Tom Brady
|NFL Confirms Tom Brady's Suspension = #NoBradyNoBanner
|Five Most Important Patriots Heading into Training Camp, 2- Bill Belichick
The Red Sox are set to make their first transaction of the season on Friday, as they will place reliever Matt Albers on the 15-day disabled list with a sore lat muscle behind his shoulder. Albers pitched well over two innings, allowing two walks with three strikeouts.
In Albers' place, the Red Sox will call up former Yankees pitcher Alfredo Aceves, according a major league source close to Boston.com. It's no secret that the Sox love Aceves and plan to use him in the starting rotation in the future (perhaps next year?), but for now, he'll fit in out of the bullpen and in a possible long relief role.
In three years with the Yankees, Aceves was 14-1 with a 3.21 ERA.
Tags: Alfredo Aceves, Matt Albers, Red Sox


text:
Die Fast play "PKS" live at The Hobbyshop Recording Studios, Highland Park, CA. 12/17/10
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Our contributor, Jessica Kirkland of Pen N' Paper Flowers is back with another original art print, created exclusively for The Cake Blog readers. Hello sweet friends! I know I say this every month but.... I seriously think this month's super adorable "Sugar is my Sidekick" art print is my ... Continue Reading
Mint Cookies 'n Cream Cake
Our contributor, Tessa Huff, is sharing a new cake recipe today... This season has me craving two very different types of sweets - fresh, fruity ones that take advantage of the current produce overflowing at the farmer's market (like last month's Strawberry Thyme Cake, for example), and ones ... Continue Reading
Fairytale Ruffle Cake
I've partnered up with Cakes.com to bring you inspiration for a magical fairytale birthday plus a new ruffle cake tutorial. Today's cake is fit for a princess. Specifically speaking - a little princess who loves fairytales, super frilly ruffles and all things magical! I know a Cinderella ... Continue Reading
Honey Butter Cake
Today's cake is the ultimate for honey lovers. The tender honey infused cake is delicious all by itself, straight out of the oven, with its buttery undertones and mellow sweetness. If you can resist the wafts of honey in the air, you'll be rewarded when this cake pairs up with the tangy-sweet ... Continue Reading
Do Your Cupcakes Need A Rest?
Our contributor, Summer Stone of Cake Paper Party, is back today with a new baking science experiment.... Some of my favorite cupcake recipes call for the batter to rest for a period of time before it is portioned into to tins and baked. In the past, I have dutifully followed these instructions in ... Continue Reading
Bakery Tour : Butter Bakery
Join us today for a Bakery Tour! We're hanging out with one of our favorite bakers and taking an inside peek at bakery life! Bakery Name: Butter Bakery & Cafe Location: 4907 Mackenzie Street, Vancouver, BC, Canada Years in Business: 8 years Meet The Owner: Rosie Daykin Butter ... Continue Reading
I Sugar Coat Everything
Our contributor, Jessica Kirkland of Pen N' Paper Flowers is back with another original art print, created exclusively for The Cake Blog readers. Happy July to all of The Cake Blog friends out there!! I'm super excited about this month's art print because I think the cute play on words will ... Continue Reading
Roasted Blueberry Parfaits
Upgrade your morning routine with a breakfast parfait that packs a nutritious punch. I've partnered up with Yulu Yogurt to bring you today's tasty recipe! June is here and we're basking in the fresh fruit aisle as summer's best berries are ripe and ready for eating. With baskets of plump ... Continue Reading
Design Tips: Proportion And Scale
Our contributor, Rachael Teufel of Intricate Icings Cake Design, is back for the next post in our Design Tips series. Join Rachael as she shares a new cake while teaching us the basics of great design. Over the last couple of months, I've discussed a few of the key principles of design: ... Continue Reading
Stars & Stripes Cake
Our contributors, Mary and Brenda Maher of Cakegirls, are back with a new DIY today! Join us as they share a new cake project with a step-by-step tutorial. I always have a snap lid container of bouncy stars on wires at the ready to add to any cake as I see fit. I think many cake decorators ... Continue Reading
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Rusty the Red Panda is back at the National Zoo in Washington, DC, one day after he escaped. He was found about a mile away in a residential neighborhood.
Video: Visitors Leaving National Archives Mostly Clueless About Their First Amendment Rights | Matt Vespa
Update: Univ. of New Hampshire president stands up for free speech after "language guide" flap | Mary Katharine Ham


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Paper bag journals are a fun inexpensive craft perfect for trips, camps, or fun summer memories. My family made these at our summer family reunion in Laguna last year (filled with beachy words, photos from the Hollywood sign, and souvenirs from Hollywood Signs, Summer Memories, Girls Camps, Bags Journals, Paper Bags, Families Meeting, Girls Scouts, Scouts Crafts, Inexpensive Crafts
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Paper bag, diy, labels, pdf, ribbon, tag, envelope, letters, mini zip bag, nature, testimony, twine, hole punch, glue, velum, scrapbook, paper, lunch bags, tape, magazines, photos, glue stick, embellishments, Young Women's Camp Journal
decorate paper bags with paper bits and add photo - gift bag waalaa!
I will have my students create and design their own journal covers, making it their own. Then have daily journal sessions, hopefully to ignite a love of writing.
Oh, but I like this one even more...but that means destroying another book. Is that okay...if you are making it into a new book????? ;o) Off to thrift stores today! ;o)
These are so gorgeous too! Does anyone know where I can find the miniature Kraft paper bags? I've been looking forever!
Paper bag page - there's just something so down-to-earth that draws me to brown paper #journal


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|By Jeremy Geelan
Article Rating:
|May 29, 2013 06:00 AM EDT
"The open development business model positively impacts the cloud ecosystem by fostering much-needed cloud standards and removing the fear of "lock-in" for cloud customers," stated Joan Rothman, CMO at CoreMatrix Systems LLC, in this exclusive Q&A with Cloud Expo Conference Chair Jeremy Geelan. "The open model also creates a cross-cloud environment where innovative development can occur at a speed and cost that only a few companies can do on their own today."
Cloud Computing Journal: The move to cloud isn't about saving money, it's about saving time - agree or disagree?
Joan Rothman: Disagree. The move to the cloud is about saving time and saving money - along with gaining an opportunity to immediately improve processes. We've helped companies in several industries move their systems to the cloud in just a few weeks. Of course, for complex and global implementations, it takes longer due to the number of requirements, different groups, disparate databases and existing systems involved in the design, build and deploy process. But the time and cost savings are there for organizations of any size.
Cloud Computing Journal: How should organizations tackle their regulatory and compliance concerns in the cloud? Who should they be asking / trusting for advice?
Rothman: Many of the initial concerns about staying compliant in the cloud have been eliminated by the availability of extremely secure, locked encryption services embedded in private and public clouds.
Nevertheless, to eliminate any concerns, we recommend talking to a professional cloud computing consulting company, like CoreMatrix®, to help develop a Compliance Roadmap. Roadmaps vary by company, industry and geographic presence. They prioritize your business processes and determine their readiness for the cloud. With a Roadmap in place, you can begin moving applications into the cloud in a way that minimizes any potential risks to your business.
Cloud Computing Journal: What does the emergence of Open Source clouds mean for the cloud ecosystem? How does the existence of OpenStack, CloudStack, OpenNebula, Eucalyptus and so on affect your own company?
Rothman: Since Open Source is freely available, anyone can run it, build on it or submit project changes. The open development business model positively impacts the cloud ecosystem by fostering much-needed cloud standards and removing the fear of "lock-in" for cloud customers. The open model also creates a cross-cloud environment where innovative development can occur at a speed and cost that only a few companies can do on their own today. As with other computing models, down the road, cloud standards will merge and a "norm" will emerge.
Cloud Computing Journal: With SMBs, the two primary challenges they face moving to the cloud are always stated as being cost and trust. Where is the industry on satisfying SMBs on both points simultaneously - further along than in 2011-12, or...?
Rothman: Much further along - based on the growing number of SMBs and non-profits we see now using leading cloud solutions like Salesforce®. Many are using a cloud for back-office operations, account management, customer service and support, inbound/outbound social interactions, marketing, human resource management, etc. Also, think about SMBs within the context of ecommerce: Where would they be without the ability to use the giant clouds like Amazon and eBay to grow their businesses? The number of SMBs using these clouds is rising, not declining.
Cloud Computing Journal: 2013 seems to be turning into a breakthrough year for Big Data. How much does the success of cloud computing have to do with that?
Rothman: It's totally connected! Let's face it, success has always been rooted in the ability to govern, manage and analyze data. With the number of fully operating cloud solutions available today, data management would be nearly impossible and certainly unaffordable. Thanks to open source, "demanding" Big Data can more easily and cost effectively handle the volume, variety and velocity of content emanating from clouds.
Cloud Computing Journal: What about the role of social: aside from the acronym itself SMAC (for Social, Mobile, Analytics, Cloud) are you seeing and/or anticipating major traction in this area?
Rothman: Absolutely! In fact, based upon conversations with our customers and partners, we established a Social Strategy and Implementation business practice in 2012. We believe organizations that weave social and mobile technologies, platforms, and services into their business processes will enrich their customer relationships and measurably improve the bottom line.
Cloud Computing Journal: To finish, just as real estate is always said to be about "location, location, location," what one word, repeated three times, would you say cloud computing is all about?
Rothman: Smart, Smart, Smart.
"We've just seen a huge influx of new partners coming into our ecosystem, and partners building unique offerings on top of our API set," explained Seth Bostock, Chief Executive Officer at IndependenceIT, in this SYS-CON.tv interview at 16th Cloud Expo, held June 9-11, 2015, at the Javits Center in New York City.
Aug. 2, 2015 10:00 PM EDT Reads: 678
Mobile, social, Big Data, and cloud have fundamentally changed the way we live. "Anytime, anywhere" access to data and information is no longer a luxury; it's a requirement, in both our personal and professional lives. For IT organizations, this means pressure has never been greater to deliver meaningful services to the business and customers.
Aug. 2, 2015 07:15 PM EDT Reads: 219
Take the Long View with Digital Transformation By @IoT2040 | @ThingsExpo #IoT #M2M #API #Microservices #InternetOfThings
Digital Transformation is the ultimate goal of cloud computing and related initiatives. The phrase is certainly not a precise one, and as subject to hand-waving and distortion as any high-falutin' terminology in the world of information technology. Yet it is an excellent choice of words to describe what enterprise IT—and by extension, organizations in general—should be working to achieve. Digital Transformation means: handling all the data types being found and created in the organizat...
Aug. 2, 2015 06:00 PM EDT Reads: 1,127
SYS-CON Events announced today that HPM Networks will exhibit at the 17th International Cloud Expo®, which will take place on November 3–5, 2015, at the Santa Clara Convention Center in Santa Clara, CA. For 20 years, HPM Networks has been integrating technology solutions that solve complex business challenges. HPM Networks has designed solutions for both SMB and enterprise customers throughout the San Francisco Bay Area.
Aug. 2, 2015 05:45 PM EDT Reads: 509
Chuck Piluso presented a study of cloud adoption trends and the power and flexibility of IBM Power and Pureflex cloud solutions. Prior to Secure Infrastructure and Services, Mr. Piluso founded North American Telecommunication Corporation, a facilities-based Competitive Local Exchange Carrier licensed by the Public Service Commission in 10 states, serving as the company's chairman and president from 1997 to 2000. Between 1990 and 1997, Mr. Piluso served as chairman & founder of International Te...
Aug. 2, 2015 04:00 PM EDT Reads: 422
The Software Defined Data Center (SDDC), which enables organizations to seamlessly run in a hybrid cloud model (public + private cloud), is here to stay. IDC estimates that the software-defined networking market will be valued at $3.7 billion by 2016. Security is a key component and benefit of the SDDC, and offers an opportunity to build security 'from the ground up' and weave it into the environment from day one. In his session at 16th Cloud Expo, Reuven Harrison, CTO and Co-Founder of Tufin,...
Aug. 2, 2015 03:00 PM EDT Reads: 546
Container technology is sending shock waves through the world of cloud computing. Heralded as the 'next big thing,' containers provide software owners a consistent way to package their software and dependencies while infrastructure operators benefit from a standard way to deploy and run them. Containers present new challenges for tracking usage due to their dynamic nature. They can also be deployed to bare metal, virtual machines and various cloud platforms. How do software owners track the usag...
Aug. 2, 2015 02:00 PM EDT Reads: 251
SYS-CON Events announced today that MobiDev, a software development company, will exhibit at the 17th International Cloud Expo®, which will take place November 3–5, 2015, at the Santa Clara Convention Center in Santa Clara, CA. MobiDev is a software development company with representative offices in Atlanta (US), Sheffield (UK) and Würzburg (Germany); and development centers in Ukraine. Since 2009 it has grown from a small group of passionate engineers and business managers to a full-scale mobi...
Aug. 2, 2015 12:00 PM EDT Reads: 346
With SaaS use rampant across organizations, how can IT departments track company data and maintain security? More and more departments are commissioning their own solutions and bypassing IT. A cloud environment is amorphous and powerful, allowing you to set up solutions for all of your user needs: document sharing and collaboration, mobile access, e-mail, even industry-specific applications. In his session at 16th Cloud Expo, Shawn Mills, President and a founder of Green House Data, discussed h...
Aug. 2, 2015 11:45 AM EDT Reads: 480
There are many considerations when moving applications from on-premise to cloud. It is critical to understand the benefits and also challenges of this migration. A successful migration will result in lower Total Cost of Ownership, yet offer the same or higher level of robustness. In his session at 15th Cloud Expo, Michael Meiner, an Engineering Director at Oracle, Corporation, analyzed a range of cloud offerings (IaaS, PaaS, SaaS) and discussed the benefits/challenges of migrating to each offe...
Aug. 2, 2015 11:00 AM EDT Reads: 175
One of the hottest areas in cloud right now is DRaaS and related offerings. In his session at 16th Cloud Expo, Dale Levesque, Disaster Recovery Product Manager with Windstream's Cloud and Data Center Marketing team, will discuss the benefits of the cloud model, which far outweigh the traditional approach, and how enterprises need to ensure that their needs are properly being met.
Aug. 2, 2015 09:00 AM EDT Reads: 1,698
In their session at 17th Cloud Expo, Hal Schwartz, CEO of Secure Infrastructure & Services (SIAS), and Chuck Paolillo, CTO of Secure Infrastructure & Services (SIAS), provide a study of cloud adoption trends and the power and flexibility of IBM Power and Pureflex cloud solutions. In his role as CEO of Secure Infrastructure & Services (SIAS), Hal Schwartz provides leadership and direction for the company.
Aug. 2, 2015 08:15 AM EDT Reads: 184
The Internet of Everything (IoE) brings together people, process, data and things to make networked connections more relevant and valuable than ever before – transforming information into knowledge and knowledge into wisdom. IoE creates new capabilities, richer experiences, and unprecedented opportunities to improve business and government operations, decision making and mission support capabilities.
Aug. 1, 2015 10:00 AM EDT Reads: 338
[slides] A New Architecture for the Internet of Things By @JKirklan | @ThingsExpo @RedHatNews #IoT #M2M #InternetOfThings
Explosive growth in connected devices. Enormous amounts of data for collection and analysis. Critical use of data for split-second decision making and actionable information. All three are factors in making the Internet of Things a reality. Yet, any one factor would have an IT organization pondering its infrastructure strategy. How should your organization enhance its IT framework to enable an Internet of Things implementation? In his session at @ThingsExpo, James Kirkland, Red Hat's Chief Arch...
Jul. 30, 2015 07:30 PM EDT Reads: 1,421
Malicious agents are moving faster than the speed of business. Even more worrisome, most companies are relying on legacy approaches to security that are no longer capable of meeting current threats. In the modern cloud, threat diversity is rapidly expanding, necessitating more sophisticated security protocols than those used in the past or in desktop environments. Yet companies are falling for cloud security myths that were truths at one time but have evolved out of existence.
Jul. 30, 2015 06:00 PM EDT Reads: 1,825
[slides] Workloads and Public Cloud at @CloudExpo By @utollwi | @ProfitBricksUSA #DevOps #Containers #Microservices
Public Cloud IaaS started its life in the developer and startup communities and has grown rapidly to a $20B+ industry, but it still pales in comparison to how much is spent worldwide on IT: $3.6 trillion. In fact, there are 8.6 million data centers worldwide, the reality is many small and medium sized business have server closets and colocation footprints filled with servers and storage gear. While on-premise environment virtualization may have peaked at 75%, the Public Cloud has lagged in adop...
Jul. 30, 2015 04:00 PM EDT Reads: 2,237
The time is ripe for high speed resilient software defined storage solutions with unlimited scalability. ISS has been working with the leading open source projects and developed a commercial high performance solution that is able to grow forever without performance limitations. In his session at Cloud Expo, Alex Gorbachev, President of Intelligent Systems Services Inc., shared foundation principles of Ceph architecture, as well as the design to deliver this storage to traditional SAN storage co...
Jul. 30, 2015 03:00 PM EDT Reads: 1,766
MuleSoft has announced the findings of its 2015 Connectivity Benchmark Report on the adoption and business impact of APIs. The findings suggest traditional businesses are quickly evolving into "composable enterprises" built out of hundreds of connected software services, applications and devices. Most are embracing the Internet of Things (IoT) and microservices technologies like Docker. A majority are integrating wearables, like smart watches, and more than half plan to generate revenue with ...
Jul. 30, 2015 02:30 PM EDT Reads: 140
The Cloud industry has moved from being more than just being able to provide infrastructure and management services on the Cloud. Enter a new era of Cloud computing where monetization's services through the Cloud are an essential piece of strategy to feed your organizations bottom-line, your revenue and Profitability. In their session at 16th Cloud Expo, Ermanno Bonifazi, CEO & Founder of Solgenia, and Ian Khan, Global Strategic Positioning & Brand Manager at Solgenia, discussed how to easily o...
Jul. 30, 2015 01:45 PM EDT Reads: 403
Growth hacking is common for startups to make unheard-of progress in building their business. Career Hacks can help Geek Girls and those who support them (yes, that's you too, Dad!) to excel in this typically male-dominated world. Get ready to learn the facts: Is there a bias against women in the tech / developer communities? Why are women 50% of the workforce, but hold only 24% of the STEM or IT positions? Some beginnings of what to do about it! In her Opening Keynote at 16th Cloud Expo, S...
Jul. 30, 2015 12:00 PM EDT Reads: 2,081


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Risk management
Interest rate derivatives under jump-extended short-rate models have commonly been valued using lattice methods. This paper proposes a much faster and more accurate valuation method based on partial...
This paper proposes a technique based on the saddlepoint approximation to quickly and accurately estimate common portfolio risk measures and their associated marginal component contributions.
Firms are battling against a lack of data with which to model policies
More Risk management articles
Method could provide early-warning system
Possible listed forex futures and options manipulation brought to NY court
FCA focuses on punishing non-compliance
CPMI-Iosco stress-testing quiz will be precursor for broader risk review
Financial sector struggling with macro and operational risks
This paper discuss efficient pricing methods via a partial differential equation (PDE) approach for long-dated foreign exchange (FX) interest rate hybrids under a three-factor multicurrency pricing ...
A round-up of views on the custodian's £126 million fine
Pricing difficulties since SNB currency floor removal cause friction
Interplay between rules could reshape demand for government debt
Growing sovereign bond portfolios face new risks and mixed messages
Banks need to embrace radical change to satisfy Basel principles
New watchdog a great idea in theory, banks say - but early months have been difficult
This paper deals with error estimators and mesh adaptation for a space-time finite element discretization of the basic Black-Scholes equation. An interesting modern numerical mathematical technique ...
Derivatives market pioneers co-opt bitcoin tech in bid to transform mainstream markets
Market participants "must ensure they are capable of bearing losses", says SNB vice-chair
New head of Canada's risk institute says risk management benefits from multiple actors
Regulation and tough markets put risk centre-stage, says CRO
This whitepaper reviews the fundamental changes of Liquidity Risk Management under Basel III. It discusses how institutions can meet the regulatory requirements on liquidity risk management by enhancing their liquidity risk analytics, funds transfer pricing methodologies, liquidity stress testing frameworks, and enterprise risk management platforms.
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ISIS: The Latest Bean Counter's FollyThe fall of Mosel to ISIS in June, 2014 was not anticipated by the established intelligence experts in the Department of Defense. As Chairman of the Joint Chiefs of Staff General Martin Dempsey, stated on PBS Frontline , "There were several things ... Huffington Post, 1 week ago
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Mosel Vitelic to stop solar cell production
Wafer foundry service provider Mosel Vitelic has decided to stop production of crystalline silicon solar cells to curb losses from the segment. 0 shares Share on FacebookShare on Twitter Comment You Might Like Other recent news in Computer ...NewsR.in, 1 month ago MOSEL VITELIC : to stop solar cell production 4 Traders, 1 month ago
German Engineering: Imagery Tools Automate Vegetation Mapping in the Rhineland
Mosel is one of 13 German wine regions and takes its name from the Moselle River. By Mary Jo Wagner, freelance writer With its 27 member states, the European Union (EU) has some 12 million farmers who strive to reliably produce crops to feed ...Earth Imaging Journal, 1 week ago
ROBERT EYMAEL (MÖNCHHOF) Riesling Auslese Mosel Erdener Prälat 2013 $45 (Wine Spectator)
A tasty, well-honeyedWine Spectator, 3 weeks ago
New documentary aims to save the rhino from extinction
Mosel Bay, South Africa - Austrian photojournalist Angela Raab is on a mission to save one of the world's oldest creatures. The rhino has been walking the earth since the dawn of time, explained Raab. Long ago, these animals were widespread, roaming ...Wall Street Select, 1 month ago
Winningen: "Clean River Project" wird zur Erfolgsgeschichte
Winningen. Er allein wird die Mosel nicht vom Plastikmüll befreien können. Aber dieses Ziel verfolgt Stephan Horch mit seinen "Clean River Project" auch nicht. Der Winninger will mit seinen Paddeltouren, bei denen er beachtliche Mengen an ...Naija Lately, 1 month ago
DR. LOOSEN Riesling Kabinett Mosel Blue Slate 2013 $22 (Wine Spectator)
Home Wine Ratings May. 30, 2015 TENUTE GIROLAMO Primitivo di Manduria Monte dei Cocci 2011 89 points, $12 Very aromatic, this silky red has ripe plum sauce and pureed blackberry flavors, with rich notes of grilled beef, medicinal herbs, ...Wine Spectator, 1 month ago TENUTE GIROLAMO Primitivo di Manduria Monte dei Cocci 2011 $12 (Wine Spectator) Wine Spectator, 1 month ago CAYUSE Grenache Walla Walla Valley God Only Knows Armada Vineyard 2011 $90 (Wine Spectator) Wine Spectator, 1 month ago
Starting from May 20, 2015, an altered trading method will be imposed on MOSEL and JYE TAI
The Taiwan Stock Exchange (TWSE) formality review of the 2015 first quarter financial reports by TWSE-listed domestic companies and its related processes are as follows: 1. Altered Trading Method: The respective net values of MOSEL VITELIC INC.Noodls, 2 months ago
BY DAY she would serve beer and mbamba to her customers. But at night the shebeen queen would hit the books. Now Mosele Tladi (60) has graduated with a diploma in teaching! And the gogo from Bekkersdal said she's planning to study even ...Dailysun.co.za, 2 months ago
Moruti o itumelela seabe sa banana
Banana ba kereke ya Evangelical Religious Protestant Unity Church ba akgoletswe seabe sa bone sa go simolodisa kago ya kereke eo kwa motsing wa Mabutsane. Kgothatso eo e dirilwe ke moeteledipele wa kereke eo Arch Bishop Tshenolo Mautle kwa pulong ...Daily News Botswana, 3 hours ago
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Visitors will get an hours tour of the 1397 Grade II listed building on either August 29, September 26 or October 31.
Watford have confirmed their squad numbers for the forthcoming Premier League campaign.
The World Anti-Doping Agency said it was "very alarmed" by the latest claims which would "shake the foundation" of clean athletes across the globe following the "biggest leak of blood-test data in sporting history".
Members of Osama Bin Laden's family are reported to have been onboard a plane which crashed in Hampshire.75 comments Daily Echo
With a Green Flag park right on our doorsteps, we residents of Watford hardly need reminding of the importance of parks and green spaces. This week was Love Parks Week and we at the Watford Observer thought, as the weather has been so rubbish, that…
The girlfriend of fatally stabbed West Watford teenager Aqeel Khan said she is heartbroken the father of her unborn baby did not get justice after a jury acquitted the 17-year-old boy on trial for his murder this week
There is much to be said for having an annual holiday at the same place, if you can also afford second holiday exploring other countries. We have been returning to the same village for 36 years and we are not alone.


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Step One: Salvage a ridiculous chair from a race car or a fighter jet. Now it will support your ridiculous body as you play a virtual card game.
League of Legends has 600 characters and 11,000 skills. These are the only ones you need.
The water got bigger? my sand castle was destroyed and we had to move. Who did this?
The SA Goons guide our hero through the pages of a classic but rare Choose Your Own Adventure book!
There are hundreds of stories happening on the World Wide Web. Let me tell you, that's a very wide web. Our goal at Weekend Web is to bring you the latest headlines from around the Internet. We go into the very bowels of message boards everywhere and find out what millions of online citizens have to say.
Copyright ©2015 Rich "Lowtax" Kyanka & Something Awful LLC.


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VIEWS: 13 PAGES: 8 CATEGORY: Entrepreneurship & Business Planning POSTED ON: 6/28/2011 Public Domain
Asset allocation refers to the portfolio allocation ratio, shows how the investment allocation among different asset classes. Involved in asset classes including equities, bonds, property, cash and overseas investments. Institutional investors, asset allocation, aimed at balancing risk and ensure portfolio diversity. Variety of different asset classes can bring rewards, such as a low but steady return on bonds, equity returns but higher risk, such as a guaranteed cash return. Effective asset allocation will help to maximize returns and liabilities covered.
Asset Allocation constitutes the most important step in portfolio construction, accounting for more than 90% of the variability in portfolio performance over time1 1 G.P. Brinson, B.D.Singer, G.L. Bebower, "Determinants of Portfolio Performance II: An Update", Financial Analyst Journal, May-June 1991. Introduction Background to RMB Asset Management International (RMBAMI) has RMB Investment Services act as the fund manager of created a series of core Funds (Harmony) based on the Harmony Funds. They provide specialist investment its belief in the vital role played by Asset Allocation. management and administration services to financial RMBAMI has the following characteristics. intermediaries and their clients. Their approach is to focus on providing a highly personalised and tailored The FirstRand Group Boutique Size/Style: service in multi-fund and multi-manager investing. is one of the largest RMBAMI are extremely innovative and responsive; The team uses the latest technology and draws on quoted companies in South Africa, service levels are exceptional. in-depth experience of this relatively new style of with a market cap investment management. RMB Investment Services of USD11.2 billion Experience/Expertise: is based in Guernsey, a leading offshore investment as at 30 June 2008 and assets under The RMBAMI team (details enclosed) has decades location offering valuable Client protection. management and of individual experience and an ethos summed up by administration of CEO, Glyn Owen as "We employ no journeymen; all Background to the Harmony Funds USD124 billion as at are experts and quality is all-important". 30 June 2008. The range of Harmony Funds has been designed Track record: to provide a core, bespoke solution using Strategic The RMBAMI team has an excellent track record asset allocation for Financial Services Professionals in terms of performance and of giving service to (FSP) and their clients. Globally diversified solutions investors. have been provided in: US$, €, £, and an Asian blend. Two different risk-profiled portfolios are offered in each base currency: a Balanced and a Growth fund. Background to We do appreciate that some Clients and advisers may have more specific requirements and therefore RMB Asset Management International is the we encourage the use of selected (Satellite) third investment manager of the Harmony Funds. They party investments outside these core portfolios at represent the international multi-management arm an individual Client level. of the FirstRand Group and conduct research in all international markets and across all major asset Core & Satellite Example: classes. The business was founded in London in 1998. The company offers bespoke multi-manager 5% Emerging Markets portfolios for institutional investors, Funds of Hedge Funds and bespoke segregated portfolios. They Min 80% also offer an Advisory service for High Net Worth 5% Harmony 5% Specialist Commodities USD Balanced Alternatives individuals and international intermediaries. Assets Fund under Management were $3.8 billion as at December 2008. RMB Asset Management International is 5% Private Equity/ authorised and regulated by the Financial Services Venture Authority (FSA) in the UK. Harmony Portfolios Page of 6 The Harmony Funds are structured as a Guernsey any meaningful out-performance. Where foreign ICC, which is a unitised collective investment scheme. currency positions are taken in the portfolios, this Investors who hold these unitised funds benefit from is predominantly within the equity exposure. the fact that the funds are frequently priced and the NAV is published. The structures are tax efficient 2. Diversification of asset classes. All the portfolios compared to individual holdings and the fact that offer good diversification between asset classes. Clients' assets are pooled gives greater negotiating This is designed to shelter the investor from power for lower fees. falls in any one asset class over short periods. In terms of efficient frontiers, this diversified What is Strategic asset allocation approach reduces volatility, whilst maintaining expected returns. Strategic asset allocation is used to construct a portfolio that meets its long-term goals rather than 3. Sensible tolerance limits for tactical asset concentrating on the short-term performance of allocation. RMB Asset Management International the varying asset classes. The long-term risk and return characteristics of the asset classes are used is allowed to reflect its current House View in the to construct the portfolio's asset allocation. Strategic portfolios, but only within pre-defined tolerance asset allocation usually remains in place over a long limits. Therefore, an investor in a Harmony fund period of time and should enable the portfolio to meet can be certain that at no point will the risk profile its objectives. of the portfolio change markedly from the product he or she originally purchased. Source: Navigator News (Aviva Australia / April 2005) 4. Avoidance of single manager hedge funds or The Harmony Funds have pre-defined tolerance highly leveraged products. Whilst Clients may limits for holdings, and a long-term strategic target be tempted by strong past performance of some allocation. The funds are adjusted tactically when of these funds, many high-risk investments deemed suitable by the investment committee, to ultimately end in failure and disappear from express tactical asset allocation views within these all performance databases, thus creating a tolerance limits. 'survivorship bias' which does not paint a true picture of the long-term performance of this Rationale Behind the Structure of the asset class. Harmony Funds 5. Avoidance of any derivative strategies used The focus is on capital preservation and reduced for purely speculative purposes, except when volatility within each given risk profile. This is achieved contained in a well-diversified Fund of Hedge in a variety of ways: Funds strategy. 1. High exposure to the base currency, typically most 6. Avoidance of funds with simulated track records. portfolios range between 60% and 70%. Research All investments are researched thoroughly by our has shown that foreign currency exposure merely team of analysts and an explainable track record adds to short-term volatility without generating is normally required prior to investment. Page of 6 Harmony Portfolios Harmony USD Balanced Rolling Asset Allocations Money Market, 3% Money Market, 1% 100% Money Market, 8% Commodities, 5% Commodities, 12% 90% Commodities, 8% Money Market, 28% FoHF, 16% 80% FoHF, 16% FoHF, 16% 70% Property, 15% Property, 9% FoHF, 10% Property, 11% 60% Property, 5% 50% Fixed Income, 24% Fixed Income, 31% Fixed Income, 41% 40% Fixed Income, 37% 30% 20% Equity, 37% Equity, 26% 10% Equity, 21% Equity, 20% 0% Jun 07 Dec 07 Jun 08 Dec 08 Equity Fixed Income Property Fund of Hedge Funds Commodities Money Market Source: RMB Asset Management, September 2008. Investment Committee RMB Asset Management International Research Team The Investment Committee of the FSP would be in regular contact with senior members of the investment The performance of the portfolios is very much a team at RMB Asset Management International. team approach. The team at RMB Asset Management The structure of the portfolios is therefore determined International is highly experienced and each member by a two-way process and in this regard any feedback of the team has a different role to play. from advisers and Clients can be relayed to RMB Asset Management International and changes made Glyn Owen is CEO of the business and heads the as appropriate. Investment Committee determining the tactical positioning of the Strategic portfolios. Glyn also attends a high proportion of all incumbent manager meetings and is heavily involved before a new manager is appointed. Harmony Portfolios Page of 6 Tom Joy is the Chief Investment Officer of the Additionally James is lead analyst on property and business and is responsible for the performance of all other alternative long-only investments. the RMB Asset Management International manager- of-managers funds, as well as the performance of Underlying Investments our range of institutional portfolios. Tom is also a senior member of the Investment Committee and Due to the large asset base invested by RMB Asset is responsible for the design and implementation of Management International, the Harmony portfolios our investment process across all products. Tom's are able to gain access to many offshore funds research forms the foundation of the investment that would be closed to smaller investors. In this approach adopted in the Harmony Funds. Tom is regard, initial fees are always waived, the annual heavily involved in all manager research across all management charges on third party funds are regions. significantly reduced and the standard minimum investment levels can be overridden. This allows Martyn Simpson is head of the Advisory service private investors to gain exposure to a diversified and has primary responsibility for the structuring range of offshore funds in a cost-effective manner, and performance of all portfolios designed for HNW with very low minimum investment requirements. Clients and intermediaries. In this regard he has Many of the selected investments are either closed day-to-day responsibility for the Harmony Funds. to new business or are not available via any other Martyn is responsible for the production of the third offshore fund structure. party recommended fund list and also recommends investments that are not already covered by the team Reporting of analysts, such as Private Equity/Venture Capital and Funds of Hedge Funds. Monthly investment performance and factsheets are produced and sent out by the third week of Mike Allen is the Head of Fixed Income. Mike has the month. Bespoke quarterly reports are also the responsibility of manager selection in the fixed provided for the portfolios which explain the recent income fund of funds. Mike is also an active member performance numbers and detail any changes. of the investment strategy team. A generic monthly investment update (Viewpoint) is also sent out to all Clients. This report details the Richard Atkinson is the Head of RMB Asset performance of the Harmony Strategic Portfolios, Management International's fund of hedge fund as well as providing an update on markets. division. Richard is a highly experienced member RMB Asset Management International is also of the hedge fund industry. Richard has ultimate committed to maintaining regular contact with responsibility for performance and strategy all FSP advisers via conference calls, videos and formulation for the RMB fund of hedge fund team. business trips to international locations. James Klempster is the assistant portfolio manager Benefits Summary to the advisory team. James is responsible for trading, portfolio construction and additional • Independent Asset Allocation: research into the holdings of the advisory clients. RMB Asset Management International Page of 6 Harmony Portfolios • Frequent Tactical Re-weighting : - Index Trackers: RMB Asset Management International More cost effective and flexible in some • Reporting: efficient markets. a. Monthly fact sheets and investment updates (Viewpoint) Conclusion b. Quarterly in-depth reports c. Online access The range of Harmony Funds has been designed to form • Cost efficiencies: the core part of a Client's portfolio. They have not been Single trade access to portfolios via most designed to chase the latest market trends and are not platforms and product providers designed to time the markets or speculate on currencies • Access to: or asset classes in any way. They are well diversified - Detailed Research: portfolios and each portfolio has a pre-defined risk and RMB Asset Management International team return characteristic. With seven unitised funds on offer, - Funds closed to individual investors: and the ability for the FSP's Investment Committee to Size and capacity restraints give input into the construction at any time, an adviser - Segregated accounts: should be able to use at least one of these funds to More cost efficient than fund of funds provide any Client with a core investment solution. Harmony Portfolios Page of 6 Risk Disclosure This document has been prepared by RMBAMI, for information only and only for use in those jurisdictions in which the service may be marketed. It is not a solicitation, or an offer, to buy or sell any security. The information on which parts of the document are based is deemed to be reliable but we have not independently verified such information and we do not guarantee its accuracy or completeness. INVESTMENT RISK DISCLOSURE STATEMENT The prices of securities units may fluctuate, and some securities may fluctuate widely, in price, according to market factors, the nature of the type of security concerned, and the term over which it is held. The price of any security may move up or down. If prices move down, losses can be incurred. The losses in some circumstances may extend to the full amount of the investment. Past performance is not necessarily a guide to future performance. The profit or loss in transactions in foreign/cross-currency-denominated contracts will be affected by fluctuations in currency rates where there is a need to convert from the currency denomination of the contract to another currency. The Manager of the Harmony Strategic Portfolios is RMB Asset Management International Limited, London. This document may not be circulated or delivered to any person in the United Kingdom except in the circumstances specified in the Financial Services and Markets Act 2000 (Financial Promotion) Order 2001, and may not be circulated or delivered by any person authorised for the purposes of the Financial Services and markets Act 2000 of the United Kingdom, except pursuant to an exemption under the Financial Services and Markets Act 2000 (Promotion of Collective Investment Schemes) (Exemptions) Order 2001. Funds unauthorised by the Hong Kong Securities and Futures Commission ("HKSFC") are not to be offered to members of the Hong Kong public. If a member/s of the Hong Kong public selects one or more HKSFC unauthorised fund/s, they are required to complete the Unauthorised Fund disclaimer, other than in circumstances that do not constitute an offer to the public within the meaning of the Securities and Futures Ordinance of Hong Kong. For further information and a copy of the scheme particulars, please contact: email@example.com www.harmonyportfolios.com Page of 6 Harmony Portfolios www.harmonyportfolios.com
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An ambitious young man from Fulda, Minn., started out one August with $20 in the bank, an empty shack and a plan to make money in the frog business. By October, through hard work and adroit thinking, he had shipped 200,000 frogs to Chicago and cleared a profit of $900. It was enough to make quite a dent in his college tuition bill – and also, no doubt, in Fulda's frog population.
The Minneapolis Tribune published this profile:
Frogs Send Student
Through Farm School
Sophomore "Aggie" Does an
Enormous Business in
Shipping Delicacy.
Six Weeks of Hustling In-
creases Bank Roll From
$20 to $900.
Industry Beats Book Agency
for Results, He
Why invest hard-earned money in cows or poultry when as great profit, if not greater, can be made in the frog industry, and with not near as much capital needed? Such is the belief of Carl. A. Oppel, 1476 Chelmsford avenue, St. Anthony park, a sophomore student at the state agricultural college, who has earned much of his way through school by catching frogs and shipping them to Chicago and other large commission centers.
Mr. Oppel believes that the frog business should become one of Minnesota's established industries. The young man with an ambition to earn money quickly and honestly, he says, could become independently well-off in a short time by shipping frogs. But to succeed, the person must know the business thoroughly. There are twists and turns to the frog market, just like there is in any other market. It is the knowledge of frogs, gained by Mr. Oppel through hard experience, which has led him to espouse the cause of this unexploited industry.
To the beginner, Mr. Oppel utters a word of warning not to go too fast. There are sharp rocks and reefs ahead of the person, he says, who thinks there is nothing to be learned before the business is established, or who thinks everything is going to come easy. Indeed, Mr. Oppel has formulated a few maxims which he believes should be studied most carefully before a venture into the business is made. They are:
|Carl A. Oppel
"If you don't love frogs, stay out of the business."
"When falling prices on live frogs make profits impossible, don't stop buying. Put them in the ground and wait for prices to come up."
"Frogs are like women. It costs a heap to dress them."
"Don't raise frogs. Let Dame Nature do the raising and you take the profit."
"Make your town proud of your industry by paying good wages."
Several years ago a Chicago frog buyer went to Fulda, Minn., and commenced to interest the boys in catching frogs. Mr. Oppel worked for him for two years. Finally he caught the buyer in a scheme to cheat him, and then and there he resolved to go into the business himself and drive his employer out of the community. He deposited $20 with the bank, every cent he had – he looked up a frog shack to keep his frogs in, and offered the boys 5 cents a dozen for all the frogs they could catch. He turned over his nets to his boy helpers and put them to work.
He started the middle of August, and the frogs began to come in so fast that he could not ship them all. He reduced the 5 cent price a dozen to 3 cents, and yet they came in. The crates were not returned to him fast enough, and he set some of the boys to making crates. Everyone in town was supplying him with frogs. Old and young scoured the nearby meadows and ponds for frogs. Soon, Mr. Oppel had more than 2,000 dozen live frogs on hand.
Frogs Pour In.
From 2,000 dozen frogs the number soon jumped to 7,000 dozen live frogs. The little shack became so filled with frogs that he had to build partitions to keep them from crowding in one great pile in the center of the room. The sight of 100,000 frogs, all croaking so loudly as to enable them to be heard for rods away from the building, set strangers to wondering. Never, they said, had they seen the like. There was a perfect stream of visitors to the little building. So confused, however, did the frogs become at a lantern when they were shown at night, and so filled did the air become with them, that they were shown only at day. Once a day they were fed by throwing corn meal upon them, and by filling with water a great shallow basin that stood in the center of the room. This basin was equipped with floats to keep the frogs from crowding so much as to drown some of them.
Some of the men in town shook their heads, but Mr. Oppel built his crates, kept buying more frogs, and shipped whenever he had a chance. Soon he was shipping from 100 dozen to 500 dozen a day, and he was making money on every dozen. Then, on the first of October, the Chicago market became overstocked, and prices went down. Mr. Oppel was compelled to stop shipping them alive. He had about 5,000 dozen on hand.
He set all the boys to dressing frogs. The boys were divided into two shifts, one at night, and one at day. There were six boys in a shift, divided into two gangs. One boy killed the frog, one boy cut off the hind legs with large tin shears, and another skinned them. The legs were then packed in cold water until they became white and hard. Then they were placed in ice and shipped to Chicago. In spite of his care, however, many of the legs spoiled, so delicate is frog meat. As he was disposing of the last few dozen, prices fell so low as to permit of no profit. Indeed, he was obtaining only 15 cents a pound for frog legs, two dozen to the pound.
With his frog shack empty, Mr. Oppel set about to figure how he had come out. He had shipped to Chicago 200,000 frogs. He had given employment to more than one dozen boys for nearly three months, and some of the boys had made as high as $6 a day when catching frogs. He had increased his bank account from $20 to more than $900, and doing as much business as the best merchant in town.
Hind-Sight Wisdom.
"As I think it over now," said Mr. Oppel, "I would have made a great deal more money if I had not dressed one frog, but had buried them all. When I take up the business again, I am going to dig a big pit. Then, when live frogs cannot be shipped at a good profit, I am going to keep on catching them and dumping them into this pit. There they will hibernate, and late in winter and early in spring, I will dig them out and ship them alive to market. During the Jewish holidays, frogs often are worth as high as 25 cents a dozen. A person could easily keep 200,000 frogs over winter in that way.
"I suppose some will wonder where a person can catch so many frogs. See them as I have seen them, and there will be no cause for wonderment. In the fall, the frogs flock to the lakes for winter quarters. They always travel more by night than by day. By taking a lantern and a frog net, two boys can catch several hundred dozens of frogs in a few hours. It is easier, however, to catch them by day. The frogs crawl into holes behind rocks, into and under rotten logs, and into great holes which they have dug for themselves. A person can reach down into these holes and pull them out by the hundreds. In one hole, I once secured more than two gunny sacks full, more than 2,500. Yes, there are enough frogs."
Asked what he thought about the frog-catching industry as a means of earning one's way through college, Mr. Oppel said: "I would consider myself of more benefit to mankind and the community if I caught frogs, than if I sold books. If the young man would make his money in the frog industry, instead of peddling patent aluminum [remedies] or selling books which no one [needs], he would be far better off."
|Albert Degler and William Roth prepared frog legs for market in Young America, Minn., in 1915. (Image courtesy mnhs.org)
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