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Securing Retirement Outcomes - Mercer 2014
Steven Reta
, Executive Director | National Accounts
SilverSaver® by MassMetal llc.
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Jun 03, 2014
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Transcript of "Securing Retirement Outcomes - Mercer 2014"
1. Terminated Vested Cashouts Overcoming Common Misconceptions
1 Terminated Vested Cashouts Overcoming Common Misconceptions Terminated Vested Cashouts — Overcoming Common Misconceptions Inthepastfewyears,agrowingnumberofdefinedbenefitpension planshavebeenoptingtotransferriskfromthebalancesheetthrough lumpsumcashoutwindowsandannuitypurchasesfrominsurers. Whileafewhigh-profileretireeannuitypurchasetransactionswere madein2012,themostcommonformofrisktransfertodatehasbeen lumpsumcashoutwindows1 forterminatedvested2 participants. The advantages to the plan sponsor of a lump sum cashout can be numerous, and the economics of such an exercise are often very compelling. Furthermore, increases in interest rate levels and improvements in funded status during 2013 may make 2014 an opportune time to capitalize on these advantages. Benefits to the plan sponsor of offering a terminated vested cashout window include: •• Reduced pension liability, leading to lower plan financial risk and volatility. •• Eliminated PBGC premiums for participants electing a lump sum (PBGC per-participant premiums are scheduled to increase from $35 per participant in 2012 to $64 by 2016 and continue to increase thereafter). •• Eliminated ongoing administrative costs for participants electing a lump sum. •• Reduced investment management costs for the funds used to cashout. •• Ability to make lump sum payments before updated statutory mortality tables increase costs (recently released mortality tables by the Society of Actuaries could increase terminated vested liabilities by 5%–10% or more). •• Potential interest rate arbitrage in 2014, depending on the relationship between lump sum rates and market-based rates.3 At the same time, these programs tend to be popular4 with participants. Many participants use the opportunity to consolidate their retirement assets into an Individual Retirement Account (IRA) or other tax-advantaged vehicle, allowing them to take more control over their retirement planning. For these reasons, we saw many plan sponsors embark on cashout projects beginning in 2012, and this trend seems to be intensifying in 2014. Keep in mind, however, that the business case for a project of this nature is driven by the unique circumstances of the plan sponsor, and a cashout will not make sense in every situation. That said, some sponsors for whom a cashout might be appealing are waiting on the sidelines, hesitant because of perceived concerns about offering a window. In this Mercer Point of View we identify some common concerns and discuss how they might be addressed to allow for a successful risk transfer project.
2 Terminated Vested Cashouts Overcoming Common Misconceptions Some sponsors have expressed a concern that by paying out lump sums to participants, they are losing the opportunity to generate returns in excess of the liability growth rate, which could impact their P&L expense. Whether or not this is true depends upon which assets are used to pay out lump sums. If lump sums are paid proportionally from all asset classes, then there is an opportunity cost in the form of lower potential future returns, which can manifest as an increase in P&L expense. Some sponsors are comfortable with this because there is a corresponding risk reduction for the plan. But plan sponsors who feel that they are already taking the appropriate level of risk in the plan might instead pay all lump sums out of fixed income assets of a comparable duration. This trades out a fixed income asset for a fixed income liability, leaving the plan roughly neutral on a risk basis and preserving the same level of growth assets. For example, if you were to consider the cashout as an asset class, cashing out the obligation from fixed income assets effectively "immunizes" that portion of the portfolio from risk — in other words, it acts as an extension of the fixed income portfolio. The following illustration shows this concept: In this example, lump sums are paid from fixed income assets. Therefore, the growth portfolio and risk level remain the same in dollar terms, even as they become a larger portion of the investible portfolio. Impact of risk tr relative portfoli LDI portfolio Growth portfoli BEFORE AFTER 60% 40% 50% 50% 1. "Interest rates are too low right now" 2. "I will incur an opportunity cost in my asset portfolio" Impact of risk transfers on relative portfolioLDI portfolio Growth portfolio A lower interest rate leads to a higher lump sum value. While this is good for participants, some sponsors worry that they are paying out lump sums at the "top of the market". Interest rates have increased by around 75 basis points from their 2012 lows, but they remain low relative to historical norms. Some plan sponsors have strong feelings that interest rates (and corresponding lump sum rates) will increase and therefore result in a more opportune time to execute in the future. While reasonable people can have different expectations for interest rate directions in the short term, waiting for a rise in interest rates to take action is a bet on the direction of interest rates. Many plan sponsors already have a significant position in their plans that would be rewarded with rising rates (or penalized with lower rates) because their portfolios have low fixed income holdings and/or short fixed income durations compared to the plan's liabilities. In addition, if a plan sponsor were looking to profit from the expectation of rising rates, there are generally more efficient ways to do so than carrying terminated vested liabilities. For example, a sponsor could express the same view on interest rates by selling bonds or shortening the duration of its fixed income portfolio at a cost that may be significantly less than retaining the terminated vested obligation and the associated holding costs (PBGC premiums, administration costs, longevity increases, etc). Furthermore, it is important for plan sponsors to consider when and how interest rates are set for purposes of a cashout. Many plans lock in lump sum interest rates for a full year based on a "lookback." If the locked-in lookback interest rate is higher than current market rates, then the lump sum paid is typically lower than the market value of the liability released, resulting in an economic gain. For example, for a typical calendar-year plan, rates have declined by 30–50 basis points since late 2013. This could translate to lump sum payments being 5%–10% lower than the employer liability. This difference could get bigger, smaller, or reverse depending on interest rates. Even if the actual payout of lump sums takes several months, plan sponsors can often take steps immediately through investment policy to preserve the difference.
3 Terminated Vested Cashouts Overcoming Common Misconceptions 3. "My funded status will deteriorate if I am already underfunded" It is true for an underfunded plan that paying out a dollar of assets and a dollar of liabilities reduces the funded status on a percentage basis. There are potential funding and reporting implications to this that should be understood by the employer prior to executing a lump sum cashout. That said, the unfunded amount in dollar terms would generally remain about the same. In addition, the funded status (as measured by accounting assumptions) may understate the true economic cost of carrying the liability, as it does not include costs of holding the liability, such as administrative and PBGC costs. And if sponsors capture tactical opportunities (suchasthearbitrageopportunitydiscussed above), the lump sums paid may be less than the liability released. The combination of these two factors can often neutralize any decline in funded status percentage. Plans — especially those using a "glidepath" approach for investments — will want to revisit the impact of a cashout on their investment policy to determine whether some of the funded status triggers or target allocation percentages will need to be adjusted following the payout of lump sums. 4."Paying lump sums will trigger a P&L settlement charge and impact our share price" If the total lump sum payout exceeds certain thresholds, settlement accounting is triggered. Because most plans today hold a large unrecognized loss on the balance sheet, settlement accounting for these plans generally leads to a P&L charge under US GAAP5 although the net balance sheet is largely unaffected. If settlement accounting is truly undesirable, lump sum windows can be constructed in "tranches" such that the settlement accounting threshold is not breached in any year. Such tranches can be constructed by lump sum value, business unit/division, or other reasonable methods6 that produce the desired result — maximizing the value of a cashout window while eliminating settlement recognition. Keep in mind, however, that a settlement charge is not always a bad thing. First, the market has become more savvy about adjusting earnings for pension expense and is less likely to penalize an organization for taking prudent steps to manage risk within its pension plan just because the one- time accounting outcome happens to be negative. When looking at the underlying economics of the plan, a settlement has no impact on the true financial condition of the plan or the company — and a cashout window is arguably favorable from an economic standpoint. Second, some CFOs view a settlement charge as a good thing, because it "clears out" some of the unrecognized loss from the balance sheet, thus reducing the headwind to pension expense on a go-forward basis. In fact, some sponsors have moved to a "mark-to-market" accounting approach that removes these unrecognized losses entirely. 5. "My contributions will go up" In the long run, contribution policy is generally an issue of "pay me now or pay me later" — the ultimate level of pension contributions is always equal to the total benefits paid out, less any investment earnings net of expenses. To the extent that lump sums paid out are less than the economic liability, we would expect long- term contributions to decrease. But it is true that the timing of contributions can accelerate modestly following a cashout exercise, largely due to the current status of funding relief (MAP-21). Keep in mind that under MAP-21 funding relief, the funding target is calculated using high interest rates that are currently disconnected from the true "market value," and this will reverse itself over the next few years.In any event, we typically find that this contribution acceleration is small relative to the potential cost savings of removing participants from the plan, but each plan sponsor should evaluate their situation individually.
4 Terminated Vested Cashouts Overcoming Common Misconceptions 6. "I don't want my employees to squander their pensions" Some plan sponsors express paternalistic concerns that participants will lose the longevity and investment protections of an annuity benefit if they elect a lump sum. This is a valid concern, as lifetime annuities are an effective way to ensure that individuals won't outlive their money in retirement. However, keep in mind that terminated vested participants, by definition, were not "career employees" at your organization. So for many, the deferred vested pension may make up only a small part of their total retirement savings. Participants may find that their retirement planning may be made easier by combining their lump sum with their other retirement savings. In fact, we see evidence that participants are doing this. Our experience has been that over 80% of lump sums over $50,000 are rolled over into an IRA or other tax-qualified vehicle. Furthermore, providing participants with the flexibility to make individualized decisions with their retirement funds promotes the opportunity for building wealth based on their individual financial goals and preferences. Finally, keep in mind that a lump sum program is voluntary — participants who prefer the security of a lifetime annuity can keep it. 7. "We are going to fully terminate the plan soon anyway" Many frozen-plan sponsors intend to eventually terminate their plans once funded status improves. A terminated vested cashout project can align very well with that goal for several reasons: •• Plan termination is a lengthy process that can take 12–24 months or longer. Paying out lump sums now reduces risk and carrying costs over this period, and it ensures that payment occurs before the new (more expensive) mortality tables take effect for lump sums. •• Paying out a lump sum during plan termination carries an onerous administrative burden, as the PBGC requires disclosure of participant- level data that can be difficult to find, particularly for participants who terminated decades ago. Paying lump sums while the plan is operationally active can be less complex and less costly. Sponsors should be cautious not to implement a cashout window too close to actual termination to avoid the appearance that they are trying to circumvent PBGC plan termination processes. Most sponsors looking to terminate are looking for opportunities to support or accelerate the process, so a cashout window could be thought of as a phased termination step. 8. "My participant data is not clean enough" Many plan sponsors struggle to maintain accurate data for terminated vested participants, especially those who terminatedemploymentmanyyearsago. Theprospectofcleaningdatauptofacilitate lumpsumpayoutscanfeeldaunting. However, this is actually a good reason to execute a lump sum cashout window now, rather than waiting until these participants retire and then individually researching and cleaning up their benefits. Doing the cleanup as a batch is typically more efficient and less costly than on an "ad hoc" basis, and the more time that has passed since termination of employment, the harder researching these participants will become. This data clean-up project will eventually have to be done regardless of direction, and if the financial business case for a cashout window is compelling, it may suggest no better time than the present.
5 Terminated Vested Cashouts Overcoming Common Misconceptions 9. "I don't have the bandwidth to handle this, and it's too expensive to hire a third party to do it" Human Resource functions are constantly being asked to do more with less, and executing a lump sum cashout is a major initiative. Beyond just the calculation of benefits, significant communications need to occur with former employees, and our experience has been that plan sponsors receive more phone calls than participants in the window. Forthisreason,mostsponsorslookforexternalsupport toexecutetheseprojects.Whilecostsvarydepending onthesizeofthegroupandthelevelofsupportneeded, manyplansponsorsfindthat:(1)thecostofthecashout isequivalenttoorlessthanthecostofdoing"adhoc" calculationsasparticipantsretire,and/or(2)thecostof suchaprojectpaysforitselfquicklyinadministrative, PBGC,mortalityincreases,andothersavings.Many sponsorshavefoundtheROIontheseprojectsto beupwardof50%perannum(onaninternalrateof returnbasis)afterconsideringtheone-timecostof implementationandtheexpectedannualsavingsthat wouldresult.Inotherwords,the"break-even"time horizonmaybeveryshort.However,everysituationis different,andplansponsorsshouldevaluatethecosts andbenefitsapplicabletotheirprogram. 10. "Mortality changes won't happen until 2016, so there is no reason to act now" In many cases, given declines in interest rates during the first quarter of 2014, the financial business case may be compelling at the moment (lump sums may be lower than the obligation released), and this opportunity can be captured and executed on in 2014. However, it is unclear what the relationship will be after 2014, which leaves the possibility that this opportunity will be missed. Additionally, it seems likely that auditors may insist on some recognition of improved mortality tables for 2014 or 2015 financial disclosures. Even assuming the statutory requirements for cash funding and lump sum payments will reflect increased longevity after January 1, 2016, plan sponsors may need to move soon. While 2016 may seem like a long way away, executing a successful cashout exercise takes significant time, planning, and effort. Just the process of calculating benefits, mailing, and recording elections typically takes around six months. And prior to that, many sponsors will need to clean up data to prepare, as well as build consensus and get buy-in from key stakeholders in the program. This process can take many months or even over a year. A delay could mean paying larger lump sums based on the new statutory mortality table, although the other potential savings discussed above would still be available.
6 Terminated Vested Cashouts Overcoming Common Misconceptions Conclusion In this Point of View we have addressed many of the misconceptions around cashouts, so that plan sponsors can better assess the opportunity to de-risk. We believe that for plan sponsors that can get past these misconceptions, the benefits of a lump sum window may be compelling. However, each organization's specific circumstances need to be considered when making the "go/no go" decision. Mercer has a great deal of experience helping plan sponsors review the formal business case for a lump sum cashout window. We suggest that a formal review include: •• Exploring the financial implications through three lenses — economics, accounting, and cash — and helping to put the cashout exercise in the context of broader risk management strategies that the sponsor may employ. •• Quantifying the specific level of potential expense savings (annually and present value). •• Reviewing the cost of executing a cashout project and determining the specific implementation steps. •• Formalizing the business case — is the ROI compelling? •• Reviewing any barriers to a successful project •• Considering the "fit" of a cashout project within your broader financial strategy. •• Assisting with asset allocation decisions such as which assets to pay benefits from and what the asset allocation should look like after the cashout program. •• Launching a data clean-up project to make sure complete and accurate calculations exist for former employees. •• Building a formal project plan with clear roles and responsibilities to promote a successful project. Mercer consultants are very well versed in all aspects of cashout and risk management projects, and we have a great deal of experience helping plan sponsors explore the business case and ultimately execute if the opportunity is compelling. MAKING ACCOUNTABILITY WORK
7 Terminated Vested Cashouts Overcoming Common Misconceptions Contacts Jonathan Barry Partner +1 617 747 9676 email@example.com Richard McEvoy Partner +1 212 345 3194 firstname.lastname@example.com Scott Jarboe Partner +1 202 331 2523 firstname.lastname@example.com Matt McDaniel Principal +1 215 982 4171 firstname.lastname@example.com
Footnotes 1 An offer of lump sums to terminated vested participants could be done either as a permanent plan feature or as a one-time window. However, amending the plan to allow for permanent lump sums becomes a protected benefit that cannot be removed, causing potential future administrative and cost concerns. For this reason, most sponsors elect to pay lump sums as a one-time window opportunity. 2 A terminated vested participant is a former employee who worked long enough to earn a vested benefit but has not yet begun collecting a monthly pension. 3 Most plans set interest rates once per year using a "lookback" method to a month prior to the beginning of each plan year. That rate is then locked in for all lump sums paid during the year. If rates fall significantly during the year, the plan sponsor has an opportunity to pay out lump sums using the older (higher) interest rate, leading to a potential gain to the plan: where the value of the lump sums paid is less than the value of the liability released. For calendar-year plans, this was generally true through the first quarter of 2014. 4 A cashout exercise cannot be mandatory — the participant must elect to receive a lump sum. Our experience indicates that most cashout exercises achieve a takeup rate between 40% and 60%. 5 This discussion applies to plans reporting under US GAAP. Under IAS 19R, settlement accounting is typically not as large an issue — the charge (or credit) is generally simply the difference (if any) between lump sums paid and liability settled. 6 Note that plan amendments to allow lump sums have to meet nondiscrimination rules for timing and effect. ImportaNt notices References to Mercer shall be construed to include Mercer LLC and/or its associated companies. © 2014 Mercer LLC. All rights reserved. This contains confidential and proprietary information of Mercer and is intended for the exclusive use of the parties to whom it was provided by Mercer. Its content may not be modified, sold, or otherwise provided, in whole or in part, to any other person or entity, without Mercer's prior written permission. The findings, ratings, and/or opinions expressed herein are the intellectual property of Mercer and are subject to change without notice. They are not intended to convey any guarantees as to the future performance of the investment products, asset classes, or capital markets discussed. Past performance does not guarantee future results. Mercer's ratings do not constitute individualized investment advice. Information contained herein has been obtained from a range of third-party sources. While the information is believed to be reliable, Mercer has not sought to verify it independently. As such, Mercer makes no representations or warranties as to the accuracy of the information presented and takes no responsibility or liability (including for indirect, consequential, or incidental damages) for any error, omission or inaccuracy in the data supplied by any third party. This does not constitute an offer or a solicitation of an offer to buy or sell securities, commodities, and/or any other financial instruments or products or constitute a solicitation on behalf of any of the investment managers, their affiliates, products, or strategies that Mercer may evaluate or recommend. For the most recent approved ratings of an investment strategy, and a fuller explanation of their meanings, contact your Mercer representative. For Mercer's conflict of interest disclosures, contact your Mercer representative or see www.mercer.com/conflictsofinterest

subset: commoncrawl


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A team of Indian aviation experts will arrive here tomorrow to inspect any possible damage to Nepal's only international airport due to the powerful April 25 quake.
He sounded a word of caution that the government must make it easier for new airlines to fly abroad to counter their dominant role here.
Based on coordinates provided by the medicos, pilots successfully identified the medical camp and managed to land in restricted, defence sources said.
The Navigation Training School of the Training Command, IAF, formerly known as the Navigation and Signals School (N&SS), is based at the airport.
Role of Air India in safe evacuation of stranded Indians and people of other nationalities from war-hit Yemen was today appreciated by Civil Aviation Minister.
The Directorate General of Civil Aviation (DGCA) chief M Sathiyavathy said the regulator would also play the role of facilitator.
Airbus has said that India's aviation market will grow at over 10 per cent annually in next ten years, which would be double the average global growth rate.
Under the 5/20 rule, an airline must have at least 20 aircraft and five years of experience in domestic operations before seeking to spread its wings abroad.


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Greys: Ultra Sorta
Ultra Sorta is a pretty impressive batch of tunes from this heavier-than-a-really-heavy-thing outfit straight out of Toronto. The group isn't afraid of throwing in powerful hooks (such as in "Simple Living"), never shies away from an almighty stoner riff (the ultra, mega heavy hold of "Rennie") and will not be convinced that compromise is anywhere in the cards. With five tracks that take up a scant 15 minutes of your precious time, this hits hard, fast and without apology, the way that Hüsker Dü's Land Speed Record did. Of course, this outfit has more in common with Damaged-era Black Flag and Fugazi than Bob Mould and the boys, but the intensity is undeniable. Smart and powerful, this collection of songs is like sprinkling angel dust on your oatmeal.
- Multiple songs MySpace
Dark Palms "Locket" (audio) (premiere) // Music
The Shills "Oh, This Devilish Place" (video) (premiere) // Music
Jesse Milnes and Emily Miller "Roving Gambler" (audio) (premiere) // Music
Anderson East Ignites a Fire at Mercury Lounge
// Notes from the Road
"Hot off the release of his album Delilah Anderson East's performance was full of vim and vigor.READ the article


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Updated: 08/21/2013 3:04 PM | Created: 08/21/2013 3:01 PM
HealthSouth Rehabilitation Hospital demonstrates a new tool they are using to help patients recovering from brain injuries.
HealthSouth Rehabilitiation Hospital
7000 Jefferson NE
This Good Day New Mexico segment may include paid advertising content. It is not affiliated with KOB-TV's News Department.
|4 Las Cruces teens charged with murder of 17-year-old in home invasion shooting
|Taurus model pistols recalled for causing fatal misfires
|2 explosions reported near Las Cruces churches
|Woman killed in wrong-way crash with suspected drunk driver
|APD: Package delivered to church contained nothing suspicious


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Selena Gomez wants to prove she doesn't need Justin Bieber in order to be successful.
Selena Gomez wants to prove she doesn't need Justin Bieber to be successful. The 'Come and Get It' singer is determined to make it as a star in her own right and prove her high profile relationship with the 'Boyfriend' star isn't what she is famous for.
A source told Hollywoodlife.com: ''One thing Justin used to always throw in her face when they fought was how much he helped her career.
''He's said more than once that without him she never would have made it this far so she really, really wants to prove him wrong. She's in fighter mode right now, so that's helping her cope with her broken heart. She even put Katy Perry's song 'Roar' as her ringtone, she's very motivated to prove how successful she can be without him.''
Selena and Justin had an on-off relationship between 2010 and the beginning of this year, when they finally split, but while she still cares, she's very angry with the 20-year-old singer.
The source added: ''It's not a cut and dried situation, even after everything he's done to her she does still care about him, but she's also really, really angry at him and she should be.
''Her friends are all telling her to use her anger to get over the pain and Selena is trying to do that.''
Starring Robert De Niro and Anne Hathaway, 'The Intern' has been directed and written by Academy Award nominated Nancy Meyers
Gwen Stefani and Gavin Rossdale are divorcing after 13 years of marriage.
Max Von Sydow has been cast as the Three-Eyed Raven in 'Game of Thrones'.
'Deadpool' is the latest film in the Marvel franchise, starring Ryan Reynolds who previously embodied the role in 'X-Men Origins: Wolverine'.
With 'Dark Black Makeup', Radkey have delivered a solid, straight-up rock record with riffs that are raw and full of energy.
British theatre fans rejoiced when they heard that Bradley Cooper was coming to the West End for a limited UK run of 'The Elephant Man'.
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Amy Schumer has made an emotional plea for tighter gun control legislation at a press conference organised by Senator Chuck Schumer


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The Mental Health Foundation is looking at how men access and use information to support themselves during stressful life events.
Chief executive Judi Clements says research shows that many men don't seek information and support when needed and that can have a big impact.
Men will be asked to complete a short online survey, which has questions about work, friendships and the way they use information and support services.
Focus groups will also be set up during April, which will give men the chance to share their thoughts with peers and researchers.
The project's findings will be used to help the Mental Health Foundation and other organisations target their information and better support men going through a tough time.
"We strongly encourage men to take the survey and join a focus group."
Go to mentalhealth.org.nz and follow the links to do the survey.
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There's been much ado of late about who is to blame for our national debt. To hear Republicans talk, Obama is at fault for every penny, while Democrats, less forcefully, blame it on Republicans. Of course, I knew that both parties were responsible and believed that Republicans were to a much greater extent than Democrats. Yesterday I was listening to the Fred and Jed Show and heard Margaret Meyer express the same view. So I decided to do a little digging and prepared a spreadsheet on how much each administration in my lifetime increased the national debt. Here are those numbers.
Posted on Jul 17, 2011


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text:
Below you can see samples of just some of web menu button designs you can develop with Free Menu Buttons.The left column contains button screenshots (click to enlarge), the right one contains live examples.
- Click "Add item" or "Delete selected item" buttons situated on the Web Button's Toolbar to add/delete buttons. You can also use "Move selected items" buttons and move your buttons inside the menu.
- Use ready to use Templates to create your buttons. To do it just select the template you like in the "Templates" tab.Then you can browse these template backgrounds. When you find a button template you like, double-click it to apply.
- Adjust appearance of your buttons.
- 3.1. Define the button's orientation.
- 3.2. Select web button by clicking it and change button's appearance for normal and mouse over states and set button's link properties and link target attributes.
- Save your buttons.
- 4.1. Save your project file. To save a project just click "Save" button on the Toolbar or select "Save" or "Save As.." in the Main menu.
- 4.2. Save your buttons in the HTML format. To do it click "Save HTML" button on the Toolbar or select "File/Save as HTML..." in the Main menu.
- 4.3. Insert your create a button for website into the existing HTML page. To do so, click "Page insert" button on the website buttons Toolbar. "Build the Menu Into Your Page" dialog will appear.How To Make A Menu On An Html Web Page Html Tooltip Wraps On Vista And Win7
Choose a page you want to insert your buttons into. Then set the cursor to the line you want theHomepage Button For Freecode to be added to and click the "Insert Menu" button. The button's code will be inserted into the page. Then you can either save the page or close the dialog without saving.
Great web design software, simple and efficient. Thank you.
Nice program. Is there a way to make dropdown sub-menu items?
Nice button program. Thanks for the great effort.
Create PayPal Donation Button The step-by-step instruction to create a PayPal donation button and start accepting online donation.
Create a Button for a Website in Photoshop - Tutorial - Video http://www.tasktutorial.com In this tutorial we will learn how to create a button for a website or banner in photoshop.. Watch Video about Adobe Photoshop,Adobe,
Create a Button for a Website in Photoshop - Tutorial - Video http://www.tasktutorial.com In this tutorial we will learn how to create a button for a website or banner in photoshop.. Watch Video about Adobe Photoshop,Adobe,
Create a Simple glossy buttons for websites Learn a simple technique for creating glossy buttons for websites.
Website Navigation Design for Beginners to learn how to create simple navigation bars using predefined styles in Adobe Fireworks. Using predefined styles you can easily create pleasant
Send Money, Pay Online or Set Up a Merchant Account with PayPal PayPal is the faster, safer way to send money, make an online payment, receive money or set up a merchant account.
Create Buttons For Website Using Mac Create Buttons For Website Using Mac. Make your web site clean and accessible with Vista Buttons! Button Home Web Page
Create Buttons For Website Using Mac Create Buttons For Website Using Mac. Make your web site clean and accessible with Vista Buttons! Button Home Web Page
How To Create A News Website - Site2You Web design solution for everyone. Get a professional website in 24 hours. This can be achieved by using "Insert a new table" button (see the picture below)
How to Create Free Buttons for a Website | eHow.com Buttons and menus for a website are mandatory. With this tool, your viewers can see other pages within your site and move back to the previous page.
DotNetPanel Documentation - User Guide - Managing Web Sites To add a web site pointer, click Add Web Site Pointer button. For example, if you create a virtual directory called "images" from a folder anywhere on
Flash Sound On/Off Button In this tutorial you will learn how to create a simple Flash music on and off button using Flash actionscript. Fla download is also included.
Create a Flash Website on the Basis of a Pre-made Design Then we create the animation for the menu buttons as we did for the With the help of a Selection Tool double click on the menu button to get inside of the
Create a Website - Free and Paid Easy Web Site Builders Create a website using online or offline site builders. Features free trials, tools, and tutorials for beginners.
Homestead | Make a FREE Website - Create a Website in Mins Make a Free Website or Store! Create a Website in Minutes w/ our Award-Winning Web Design Software. Build Your Own Website & Find Customers Today.


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Oakland City University
138 N. Lucretia St.
Oakland City, IN 47660
Phone: 812-749-4781
Fax: 812-749-1291
250 - 499
20 - 50 Million
SIC Code:
8221 - Colleges and Universities
Full company description is available with the free trial.
Additional Info:
The company profile also contains facebook info, phone numbers, linkedin accounts, cfo contacts, and Oakland City University email format addresses with the domain of @oak.edu. Oakland City University, a Education/training company has its main office in Oakland City, IN. If you sign up for our free trial you will see our firstname.lastname@example.com addresses.
Company Background:
Full company description is available with the free trial.
Similar Companies:
21st Century Charter School
21st Century Charter School, is in the Education/training industry. Their main office can be found in Indianapolis, IN, and they can be contacted through 21st Century Charter School email using the domain @21ccharter.org format, some important contact information like linkedin data, phone numbers, contacts for cfos, etc of which can be found on their Lead411 profile. If you sign up for our free trial you will see our firstname.lastname@example.com addresses.
Academic Edge, Inc.
Academic Edge, Inc., a business led by CEO , is part of the Education/training industry. Academic Edge, Inc. email with the @academicedge.com format, you can check their Lead411 profile. They hold their main office in Bloomington, IN and more data like cfo contacts and linkedin data can be found within our profiles. If you sign up for our free trial you will see our email@example.com addresses.
Adams Central Community Schools
Adams Central Community Schools, a company that works within the Education/training industry. Their profile on Lead411 presents significant contact information such as cfo contacts, phone numbers, linkedin data, and Adams Central Community Schools email addresses with the @accs.k12.in.usdomain format. They have their head office in Monroe, IN. If you sign up for our free trial you will see our firstname.lastname@example.com addresses.
Company Directory > Oakland City University


text:
Never miss a single second of action
Published: Tuesday 27 Nov 2012 at 13:38
Duration: 2 minutes 20 seconds
Tuesday 27 Nov 2012 at 13:38
Duration: 2 minutes 20 seconds
Match action from Reading's narrow pre-season defeat away at Crawley.
Today at 13:23
Highlights of the Royals commendable 1-1 draw against Premier League Swansea City at Adams Park
Yesterday at 10:44
Royals forward smashes home from long range
Saturday 25 Jul 2015 at 15:56
Royals boss Steve Clarke reflects on his sides 1-1 draw with Premier League Swansea
Friday 24 Jul 2015 at 23:09
New development squad arrival Rowan Liburd gives his first interview as a Royals player.
Friday 24 Jul 2015 at 16:13
See Samuel and Blackman hit the back of the net
Wednesday 22 Jul 2015 at 17:35
See all the action from our pre-season victory at the Memorial Stadium.
Music by bensound.com
Wednesday 22 Jul 2015 at 12:41
The Royals are put through their paces in the Thailand heat
Friday 17 Jul 2015 at 15:28
Young defender seals extended stay with the Royals
Tuesday 14 Jul 2015 at 17:58
Goalkeeper speaks exclusively on his two-year deal
Tuesday 14 Jul 2015 at 17:14
Royals players showcase the new Puma home strip
Friday 10 Jul 2015 at 10:26
Big Russian scores from team move
Thursday 9 Jul 2015 at 11:48
Nick Blackman on target from Tariqe Fosu's cross
Thursday 9 Jul 2015 at 11:47


text:
Report: New Kings owner eyes Mike Malone as coach
May 25, 2013, 5:00 PM EDT
Golden State's Mike Malone has been in the group with Brian Shaw and Mike Budenholzer the past few years — top assistant coaches that get interviews but have yet to land in the big chair.
That could be about to change for Malone — it's a good thing when the owner wants you.
And the new owner of the Kings wants him, reports Ric Bucher of CSNBayArea.com on Sulia.
Warriors owner Joe Lacob used what he learned as a Celtics' minority partner to shape his new team. Vivek Ranadive, former Warriors minority owner and now presumptive Kings primary owner, apparently is doing the same, beginning with putting Warriors assistant coach Mike Malone on his list of candidates to be the Kings' next head coach, a source said.
Malone also is said to be in the mix for the Los Angeles Clippers job, according to ESPNLosAngeles.com. Why? Because Chris Paul likes him, of course. Malone was the lead assistant for Monty Williams in New Orleans Chris Paul's last year there and he really liked playing for him.
But it will come down to owners, which may give the Kings an advantage. Clippers owner Donald Sterling is personally involved in the coaching search for his team (he hired Vinny Del Negro after being charmed by him even though management wanted someone else). He realizes the Clippers are on the verge of contention and while maybe the untested Malone can get them there he seems to be thinking veteran coach (think Nate McMillan).
In the Kings case, the owner knows and apparently likes Malone. The Kings have some potential — if you can get the best out of DeMarcus Cousins nightly — but that is a project where Malone can learn some on the job because the team is rebuilding still. Don't be shocked if other names like Brian Shaw come into the mix in Sacramento as Ranadive tries to replicate the kind of turnaround in Sacramento that Lacob had with Golden State.
Kobe Bryant says he's not sure if he retires at end of season
Aug 4, 2015, 1:45 PM EDT
Kobe doesn't know how he'll feel next summer. You can't blame him for that.
Kobe Bryant, can this Laker team make the playoffs? "Of course it can. Absolutely."
Aug 4, 2015, 1:10 PM EDT
No. No they will not.
Due to ankle injury, Spurs will not allow Boban Marjanović to play in EuroBasket for Serbia
Aug 4, 2015, 12:30 PM EDT
The Serbian national team is expected to protest it.
Report: Knicks reach deal with backup center Kevin Seraphin
Aug 4, 2015, 11:57 AM EDT
He will battle Kyle O'Quinn to backup Robin Lopez.
Corey Brewer excited to reunite with Ty Lawson, spark Houston
Aug 4, 2015, 10:45 AM EDT
Lawson and Brewer put up impressive offensive numbers together in Denver.
Raptors officially unveil new uniforms, yes there is a Drake-inspired one
Aug 4, 2015, 10:05 AM EDT
I'm no fashion critic, but they're not bad.
Andrea Bargnani says he would have played "for free" to prove himself with Nets
Aug 4, 2015, 9:14 AM EDT
Somehow I bet he still cashes his paychecks rather than actually playing for free.
Cavaliers' Mozgov can't sign an extension this summer, wouldn't want one anyway
Aug 4, 2015, 8:34 AM EDT
Even if he could sign an extension, he wouldn't.
Morris twins lawyers seek to send case back to grand jury
Aug 4, 2015, 8:00 AM EDT
The Morris twins have denied any involvement, or even knowing the victim.
Mavericks' coach Rick Carlisle says team will err on side of caution with Wesley Matthews return
Aug 4, 2015, 1:05 AM EDT
Thinking long-term is the smart approach, the only one the Mavericks should consider
Kobe Bryant's popularity in China knows no bounds
Aug 3, 2015, 11:17 PM EDT
Kobe Bryant is Beatles during the British Invasion level popular in China.
Report: Nets doing Earl Clark a favor and waiving him
Aug 3, 2015, 9:59 PM EDT
Brooklyn could have easily kept Clark through training camp
Jerry Colangelo: Paul George will attend USA Basketball minicamp meeting, won't play
Aug 3, 2015, 9:03 PM EDT
Pacers star maintains status as lock for 2016 Olympic roster – if he wants to play
Klay Thompson's brother called up to the White Sox
Aug 3, 2015, 8:16 PM EDT
Trayce Thompson gives Thompson family yet another professional athlete
LeBron James to attend Team USA minicamp, leave early
Aug 3, 2015, 7:25 PM EDT
That'll keep him a viable candidate for 2016 Olympic roster
An excellent Kobe Bryant impersonation (video)
Aug 3, 2015, 6:33 PM EDT
…with one exception
Report: Mavericks give Salah Mejri fully guaranteed salary
Aug 3, 2015, 5:36 PM EDT
Dallas loading up on players. What will roster look like in November?
Nancy Lieberman says DeMarcus Cousins happy Kings hired her
Aug 3, 2015, 3:58 PM EDT
Will new Sacramento assistant coach improve Cousins' relationship with George Karl?
Walt Frazier wonders whether Carmelo Anthony will seek trade from Knicks
Aug 3, 2015, 3:04 PM EDT
Does Melo fit in New York?
Report: NBA nearly eliminates four-games-in-five-nights in draft of 2015-16 schedule
Aug 3, 2015, 2:08 PM EDT
NBA teams played 70 four-in-fives last season
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text:
List all words that contain escadrille
2 words found.
List all words containing escadrille, sorted by length
Some random words: ufological jill ukase me lukewarm lweis item
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text:
World Cup delivered: How the internet can deliver your World Cup experience
The FIFA World Cup 2014 is on us, as we settle down for a month of global footballing action beamed from Brazil, right to your front room.
It's a chance to immerse yourself in the beautiful game, spot new talent and just go football crazy. And the internet is there to deliver everything you need for the experience.
This is what you need for the to get the World Cup experience delivered to your door.
Pick a great TV, and have it installed
We've already rounded up some of the best TVs you can buy right now, with plenty of special offers available, it's a great time to buy a new TV for the World Cup.
But why not have it installed? We called up Currys PC World and their KnowHow team delivered and installed our new TV. No fuss and everything is done for you, but watch out for those unnecessarily expensive HDMI cables. Installation costs from £45.
READ: Best televisions 2014
John Lewis will offer a similar service from £55. Both will offer to remove your old TV, but we'd be tempted to sell it on eBay and make some cash for the World Cup beer fund.
Although installing a TV is a pretty simple job, if you have no idea at all, installation will leave you set-up and having had a demo. Of course, you'll want to hook it up to your YouView box for all that World Cup action.
Beam your team colours across the wall
If you happen to have a Philips Ambilight TV, or have chosen to buy a new one, then you can expand your game across the wall thanks to the Ambilight TV app.
This will let you pick the colours for your team as a background, you can add to the celebrations, or beam that red card across the room. It can even be split to reflect both teams that are playing.
It will work with Ambilight models from 2011 onwards, but be sure to check compatibility.
Food and drink delivered
On big match days, you don't want to be chained to the cooker, so why not turn to the internet to deliver your dinner?
JustEat has an app for Android and iOS and a website so you can order from local takeaway services, meaning you can easily pick from the menu and you don't have to make that awkward phone call over the noise of the game.
You do pay a small premium for the convenience.
If you're looked to stack the fridge with booze, then don't fret: Sainsburys, Tesco, Ocado, Morrisons and Asda are all offering deals on beer. All deliver too, depending on where you live.
At least then you don't need to carry all that beer (or wine) home, or up the three flights of stairs to your appartment.
You'll be needing a fridge in the lounge, so take a look at Drinkstuff.com who have a huge selection and save you from having to miss the action.
If you're short on seating then a Sumo beanbag could be the answer to make sure you can squeeze everyone in front of your TV. Just try not to drop pizza on it.
You'll also need bunting. Every celebration - especially in the UK - needs bunting. Fortunately, Amazon has some World Cup bunting ready to go: yours for just £10.48.
Then you'll want to do away with your regular remote for a football shaped one, won't you? Of course you will! Fortunately eBay will sell you a Maxim Football Remote, from about £3. It will probably deliver a £3 experience, but it's at least thematic.
Get a caxirola
A what? A caxirola. Replacing the vuvuzela as the official thing-that-makes-noise, the World Cup 2014 is all about the caxirola: it's getting as many headlines as Neymar.
This is basically a shaker that looks like a hand grenade. You can find it just about everywhere to buy online. There are official FIFA versions on the FIFA Store that will cost you $13.99, or you can check out Google Shopping: Tesco.com has them from £1.
Get the apps
Bringing the experience to your pocket, there's no shortage of apps you'll want.
Of course, you'll want to hook up your mobile device with your YouView box, so you can browse and schedule recordings in case you're not at home.
There's plenty of apps to follow the action too. You'll want the BBC Sport app or BBC iPlayer, as well as ITV Player so you can watch those crucial matches.
READ: Best apps for the FIFA World Cup 2014
If you're a fan, then maybe you'll want to play the matches yourselves in FIFA 14, or collect the stickers in the official Panini Online Sticker Album.
Check out the stadiums
We all love Google Maps, and Street View is one of the hottest features it offers.
You can use it to take a look around the stadiums that the action will be played in, with a whole range of photos and panoramas.
Google has compiled them into a useful hub, which should be your first port of call to explore the stadiums.
Pick your Man of the Match - via Twitter
Twitter sees a lot of action running through its network during any major event and the FIFA World Cup 2014 is no different.
This time, howe ver, the official drinks sponsor - Budweiser - and FIFA are going to open up voting via the social network. You'll be able to click on the picture of the player you want to vote for, as well as use the hashtag #manofthematch, bringing the power back to the people. Hopefully.
See what's trending on Facebook
Facebook is pulling together the social side of the World Cup in a hub. You'll be able to see what's hot and what people are talking about on it's very own page.
If you're feeling out of the loop, then dropping in on Facebook to catch-up on what's making headlines is a great way to stay in the loop.
You'll also be able the share the match you're watching through Facebook, so everyone will know what you're up to.
Get your FIFA World Cup 2014 wall chart
Whether you're at the office, or at home, the World Cup isn't the World Cup if there's no wall chart.
Fortunately, the internet has one and so you can simply download and print it out on your company A3 printer. Go on, it's a legitmate use of workplace equipment.
It even lists the times of the games and the UK channels (where known) for your convenience.
For more information visit: www.youview.com, on Twitter @YouView and Facebook at facebook.com/youview.
WIN: Fitbit Flex activity tracker and two IMAX tickets to see Mission: Impossible - Rogue Nation
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Mission Impossible: How IMAX built a pop-up cinema from scratch for Rogue Nation premiere
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- Sky Sports will stream Premier League goals and highlights to your phone and tablet
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- Now TV takes further step to being Sky TV for those without a dish, sports monthly pass now available
- It will cost you just £15 a month to get 4K live footy this season
- HBO Now arrives for Android and Amazon devices, no longer an Apple exclusive
- Sony Xperia M5 vs Sony Xperia M4 Aqua: What's the difference?
- Samsung Galaxy Note 5 and S6 edge Plus leak in impressive photo and specs
- Windows 10 smartphones: Is your Lumia getting the upgrade?
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- PlayStation Now game-streaming service officially goes live for PS TV and PS Vita
- Sony Xperia M4 Aqua review: Beautifying the mid-range


text:
|Name: _________________________
|Period: ___________________
This quiz consists of 5 multiple choice and 5 short answer questions through Part Two: The Rabbit Dodges: Chapters 11 - 13.
Multiple Choice Questions
1. Who is Auntie Hu?
(a) An elderly woman who everyone calls Auntie Hu.
(b) May's husband's aunt.
(c) Pearl's mother's best friend.
(d) Pearl's great aunt.
2. Why did Joy's real father paint portraits of Joy's mother and aunt?
(a) Because he loved both of them.
(b) For wanted posters.
(c) For propaganda posters.
(d) To practice.
3. To what is Pearl sentenced?
(a) Weekly reports to an agent.
(b) Six days in a community work house.
(c) Six days hard labor.
(d) Weekly thought-reform sessions.
4. Where does Z. G. say it is time to go?
(a) Shanghai.
(b) Beijing.
(c) Peking.
(d) Hong Kong.
5. Who is chasing Joy from the United States?
(a) Pearl.
(b) May.
(c) No one.
(d) Joe.
Short Answer Questions
1. Of whom is Joy slightly afraid?
2. Where is Z.G. going in the morning?
3. What does the FBI want Sam to do?
4. What Zodiac sign can include being tricky?
5. What does Joy witness as a result of the woman's suicide?
This section contains 202 words
(approx. 1 page at 300 words per page)


text: Music Hello welcome to my Soundcloud and great to see you on my page! Music comes intuitively to me and has always been part of my life. I was classically trained in the piano from the age of 5, attended a specialist music school, took all my grades, then didn't pursue music seriously for about 20 years. Now I've discovered electronic music and composition and I'm just enjoying improvising and exploring different styles, so I hope you like the variety you'll find here. All the piano tracks are really me playing and my own compositions, with a little help from Logic to get rid of the bum notes. You can probably hear the classical influences in my music, like Bach and Debussy. If you're interested in me doing a piano part with you or for you via the net, please just message me. Comments by Music Comment by Music Your enhancements are brilliant 2014/03/07 16:25:31 +0000 Comment by Music I love it! 2014/03/07 16:23:47 +0000 Comment by Music Great acoustic and singing. Lovely song 2013/09/29 12:53:47 +0000 Comment by Music A sensitive song - lovely performance 2013/09/29 12:47:44 +0000 Comment by Music @ninjatoker: Thanks for listening. My first vocals! 2013/09/21 14:46:57 +0000 Comment by Music Thanks to Ismael Cansino Del Pino for the introduction idea 2013/09/21 11:52:21 +0000 Comment by Music Thank you! 2013/09/21 11:48:15 +0000 Comment by Music Thank you for listening to this! 2013/09/21 11:47:51 +0000 Comment by Music Thank you.. 2013/09/21 11:47:10 +0000 Comment by Music A collaboration some time maybe? 2013/09/21 11:46:54 +0000


text:
Oak Park High School Oak Park, MI Alumni
Oak Park Oak Park, MI Alumni Photos
What is this site?
- Search for OPHS Lost Friends
- Send messages to alumni
- View OPHS Alumni Profiles
- Share your memories
- Share photos with others
- Discuss past activities
Click on the Yearbooks below to view a copy Online at Classmates.com®. If you don't see your class's yearbook, check out our yearbook page.
Famous Alumni
There are currently no Oak Park Oak Park, MI notable alumni listed. Be the first to add an OPHS famous alumni.
The memorials below are for students of Oak Park High School that have passed away.
There are currently no memorials for Oak Park Oak Park, MI alumni.
- Class of 1989 Dawn Harris
- Class of 1964 Richard Rubin
- Class of 1989 Angie Bradford
- Class of 1983 Cheryl Bridges
- Class of 1970 Rita Geiringer
- Class of 1980 Debbie Lewin
- Class of 1965 Gloria Ways
- Class of 1963 Terry Deem
- Class of 1975 Neal Weinstein
- Class of 1975 Audrey Greenberg
- Steven Hampton
- Class of 1961 Sally Franchi
- Class of 1960 Shirley Wencley
- Class of 1978 Doran Dennard
- Class of 2006 Marika Farris
- Class of 1965 Juanita Sims
- Class of 1999 Kara Bryant
- Class of 2002 Adrian Pettway
- Class of 1984 Anthony Olsen
- Class of 1969 Shelley Altus
August Birthdays
Oak Park Oak Park, MI Alumni Merchandise
This site has been created for the former students of Oak Park High located in Oak Park, Michigan. Don't forget to upload your Oak Park High School pictures and check on the latest info about any Oak Park High School reunion. While you are reminiscing about the times you spent in high school at Oak Park High School, you should also check out alumni photos, yearbook listings and share any reunion info if possible.
Latest Updates from Oak Park High School Alumni
Richard Rubin has someone searching for them.
Angie Bradford has someone searching for them.
Cheryl Bridges has someone searching for them.
Rita Geiringer has someone searching for them.
Plus many more
Most recent: 3 days ago
Neil Elmouchi added photos to their personal photo gallery.
Neil Elmouchi updated his profile picture.
Most recent: January
Lisa Koslow added photos to their personal photo gallery.
Lisa Koslow updated her profile picture.
Most recent: January


text:
After spending seven weeks in Rutherford County, volunteers with the Appalachia Service Project (ASP) are cleaning up shop and heading home.
A clear calling from God two decades ago brought Dr. Jessie Deaton to Rutherford County. Deaton is now the pastor of both Pleasant Grove United Methodist Church at 250 Hudlow Road and Wells Spring United Methodist Church on Wells Spring Road in Forest City.
R-S Middle School, Pinnacle Elementary, Rutherfordton Elementary, Chase Middle School.


text:
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text:
- 274 Pins
blue and adorable
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Taylor Dresses Cutout Detail Fit & Flare Dress | Nordstrom. Love Love for Nicole's Bridesbabe dress too! (different color)
Taylor Dresses Cutout Detail Fit Flare Dress | Nordstrom
Like the cut and style of dress!!! Cocktail dress doesn't mean you have to wear black-- Try something with color, like this little blue dress!
Love this Classic Baby Blue dress for a country club day or even a wedding. Just make sure to know the colors of the bridesmaid dresses. You never want to be caught with a similar dress or color!
Taylor Dresses Cutout Detail Fit & Flare Dress | Nordstrom
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wrapped in stripes
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The most dreamy oversized tote.


text:
Why we need the Holy Spirit. (Comedy)
crosscampusministry.com - Ministry Videos
Embed videobible 2260 views 2010-10-02T00:57:57 A little video we filmed to illustrate why we need the Holy Spirit. To hear the Bible study that goes along with it visit: http://videobible.powweb.com/?p=138
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Typing 140 characters has come at a heavy price for an Australian newspaper after it was ordered to pay AU$80,000 for defaming one of the country's highest ranking politicians in two short tweets.
Today Apple announced it would slash the price of the venerable Apple TV box, along with exclusive access to the HBO Now streaming service.
The Acer Aspire AU5-620 is a great entertainment PC, pairing an attractive display and strong media-streaming performance with a wallet-friendly price.
CNET breaks down the differences between Motorola's new line of Moto smartphones, which include the Moto G, the Moto X Play and the Moto X Pure Edition (also known as the X Style).
As part of its new Moto X and Moto G launch event, Motorola also introduced two new affordable Bluetooth headphones. So, how do they sound?
All GoPro cameras are definitely not created equal. Here's a breakdown of each of the company's five models to select the right one for your needs.
Once you see the super-smart addition to the standard Lightning cable built into the Luminid, you'll wonder why they don't all have it.
Cheesecake with blackcurrant pearls? Rum with coke pearls? Chicken with Tabasco pearls? This super-fun kitchen device will make your modernist cuisine dreams possible.
The discovery of a fossil of a snake with four legs suggests that the modern-day reptiles evolved from digging, rather than swimming, ancestors.
How does Apple's streaming service stack up against longtime favorite Spotify? We lay it all out here.


text:
MSI Radeon HD 5670 1GB Video Card in CrossFireOur second 1GB GDDR5 HD 5670 arrives and we figure it's time to check out some budget CrossFire action.
I'm always up for a good fight, but over the past few years I've realized that there's two battles that I just can't win. One is telling people that the video cards they want to buy has more memory than they need and if they want to save a few dollars while getting almost identical performance, go for the one with less memory.
The second is convincing people that budget CrossFire or SLI setups just aren't worth it, as almost every time you could get a single card solution that's going to perform slightly better for what is usually a slightly lower price.
High MB video cards of course have their place in the high end segment and so does CrossFire and SLI in that same segment, but these days we seem so content that more is better and we forget to look at the 1s and 0s of the situation.
Following something that I was once told, "If you can't beat them, join them". I'm here with my second HD 5670 1GB GDDR video card and today we're going to place it with our other one to see what kind of performance this budget CrossFire setup can get us.
PRICING: You can find products similar to this one for sale below.
United States: Find other tech and computer products like this over at Amazon's website.
United Kingdom: Find other tech and computer products like this over at Amazon UK's website.
Australia: Find other tech and computer products like this over at PLE Computer's website.
Canada: Find other tech and computer products like this over at Amazon Canada's website.
- Page 1 [Introduction]
- Page 2 [The Package]
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- Page 6 [Benchmarks - CINEBENCH R10]
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- Page 9 [Benchmarks - World in Conflict]
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- Page 13 [Temperature and Sound Tests]
- Page 14 [Power Consumption Tests]
- Page 15 [Final Thoughts]
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The Out of Town Thread part XLIX All talk from around the league here
View Single Post
Join Date: Nov 2012
Posts: 2,726
vCash: 500
Originally Posted by
Are you only watching TSN and reading the Gazette ?? Because, for two years, in the "french" media, he was the go to guys for these years. You can't deny it... for most francophon fans (I'm not saying all, I couldn't care less if you are or anyone else is francophon "and don't care about him" crap), he was an important part of this team.
I'm not saying it was right or wrong and I'm not (nor do I want) starting a debate, just bringing facts. Local players tend to have a more important part in the team (every team, btw).
I'm not saying he needs to be on higher pedestal, but he surely was more than the player he was on the ice, sorry for anyone who isn't happy with this.
Darche was not the one demanding ice time and time on the top two lines. His coaches , Martin and Cunneyworth gave him responsabilities beyond his skills and talent. But he gave everything he could ans was a very honest performer. Plus he was paid peanuts by nhl standards.,
The guy was on the media too often because he was one of the very rare guy who could communicate to the fans in French. Not his fault, again.
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waste water color reducing agent
US $500-700 / Metric Ton ( FOB Price)
1 Ton (Min. Order)
Classification: Chemical Auxiliary Agent
Place of Origin: CN;JIA
CAS No.: 55295-98-2
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Purity: 50%
Other Names: water color reducing agent
Verified Supplier - Yixing Bluwat Chemicals Co., Ltd.
China (Mainland) Contact Details
7 Transactions for US $154,000
<24h Average Response Time
91.5% Response Rate


text:
New Royalty Bill Surfaces
May 8, 2014
H.R. 4588, "Protecting the Rights of Musicians Act" conditions the ability of a broadcast owner to receive television retransmission consent payments on whether that owner's AM or FM radio station pays music royalties. Similar to the monthly fees paid by cable and satellite operators (e.g. Comcast, TWC, Charter, DirecTV, etc.)
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NASHVILLE, Tenn. (Christian Examiner) – "Jesus can change your life," Ronnie Floyd, president of the Southern Baptist Convention, told over 14,000 participants...Posted on August 3, 2015
LAS CRUCES, N.M. (BP) -- Small bombs exploded within minutes of each other Aug. 2 at two Las Cruces, N.M., churches...Posted on August 3, 2015
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The NAB has sent a letter to the FCC concerning the future placement of spectrum for wireless microphone use.Posted on August 3, 2015


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Kourtney Kardashian
How Scott Disick May Have Blown a Second Chance with Kourtney Kardashian
Originally posted 07/29/2015 07:00AM
Scott Disick has made his fair share of mistakes on and off the camera, but after the Keeping Up With the Kardashians star was photographed kissing a blonde in Las Vegas on Friday, he may have ruined any chance for reconciliation with former girlfriend Kourtney Kardashian.
The Kardashian and Jenner Clan Got a Special Backstage Tour of Phantom of the Opera This Weekend
Originally posted 07/27/2015 08:55AM
The Kardashian and Jenner crew are patrons of the arts!
Newly Single Scott Disick Parties with Blonde 'Cowbabes' During Club Appearance in Canada
Originally posted 07/26/2015 05:30PM
Scott Disick jetted off to Canada on Saturday night to host yet another club party, just one day after appearing at the Mirage's 1 OAK in Las Vegas, Nevada.
Here's What Kourtney Kardashian Was Doing While Scott Disick Was Out Partying in Vegas
Originally posted 07/25/2015 05:30PM
Kourtney Kardashian continued to make her kids a priority following her dramatic split from longtime partner Scott Disick, opting to spend Friday night with her family rather than on the town like her ex.
Kourtney Kardashian 'Hasn't Made a Final Decison' About Scott Disick, Source Says: He's 'Not Totally Out of the Picture'
Originally posted 07/24/2015 07:15PM
Could there be a reconciliation down the road for Kourtney Kardashian and Scott Disick?
The Kardashians Threw Kylie a Surprise Graduation Party and It Was Fabulous
Originally posted 07/24/2015 08:00AM
King Kylie has officially conquered high school.
Kourtney Kardashian and Scott Disick Spotted Together for the First Time Since Their Split
Originally posted 07/23/2015 07:50PM
Kourtney Kardashian and Scott Disick have been spotted together for the first time since their breakup earlier this month.
Scott Disick Spotted Out with Son Mason as Source Tells PEOPLE Kourtney Kardashian Is 'Miserable'
Originally posted 07/23/2015 11:55AM
Despite their breakup, Kourtney Kardashian and Scott Disick are both focusing on family.
Kourtney Kardashian's Breakover Style Streak Continues with Sexy Suede Mini and Lots of Cool Denim
Originally posted 07/22/2015 01:00PM
The star's current wardrobe is pretty amazing
Scott Disick Promotes Club Appearance, Gets Blasted on Twitter
Originally posted 07/21/2015 09:50AM
It looks like Scott Disick plans to party this weekend.
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How Did Those Arizona Cardinals Look Last Night in Preseason Loss to New Orleans Saints?
Football is finally back -- although it seems like it never left if you've been watching coverage of the New York Jets' training camp -- as the Arizona Cardinals kicked off the NFL preseason with a 17-10 loss to the New Orleans Saints.
Quarterback Kevin Kolb completed one of his four passes to fullback Anthony Sherman, and completed another pass to a Saints cornerback before leaving the game with an injury during the third offensive series.
John Skelton did a bit better when he got his shot under center, completing four of six passes and setting up a four-yard touchdown run by Alfonso Smith on his first full drive.
Skelton didn't get any more snaps after that touchdown drive, as Richard Bartel took over as quarterback for the next three drives, and Ryan Lindley took over for the rest of the game.
The Cards' defense got walked on in Drew Brees' one and only drive, and gave up all 17 points in the first half.
The defense did manage to intercept Chase Daniel once, and ex-ASU stud Eddie Elder -- getting his shot with the Cardinals -- said that he'd like to make the team (from sbnation.com):
Preseason doesn't matter much to most, but based on what you saw, how did the Cardinals look in their first game action of the year?
Cast your vote below:
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Recluses on screen
By Staff
The Lake Theatre is continuing a welcome run of more adult fare with two films of critical note starting Friday: Salinger, a documentary about the famous literary recluse, will have a "limited release," which means don't wait to see it. According to Classic Cinema's marketing director, Mark Mazrimas, "We have been trying to get Salinger for weeks and Weinstein is finally releasing it in Chicago."
The other film is Prisoners, a crime thriller with Hugh Jackman and Jake Gyllenhaal. It's shaping up to be an interesting cinematic autumn.
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Posted: July 26th, 2015 2:25 PM


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But, as good as this sounds to us (more time spent creating a game makes for a better game), it's not all peaches and creme for EA. The company projected that the game would bring in $120 million within its 2008 fiscal forecast. With the game being bumped back to 2009, it looks like EA will be relying on your future Boom Blox money a bit more.
Source - Harry Potter game gets delayed
Source - Delay will cost EA quite a bit of money
[Via Joystiq]