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Archive for 'Book Reviews'
Creative Mind And Success (Part 2&3)
Posted on26. Sep, 2009 by Troy Horne.
Now the thing that I love about Creative Mind and Success is that when you are reading it you feel like you just found the key to a secret passage way. It is like you just you are Neo and you are at the beginning of the Matrix trilogy. This is the real deal book. Lets get to the Review!
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Creative Mind and Success (Part 1)
Posted on21. Sep, 2009 by Troy Horne.
Book Of The Month Creative Mind and Success by Earnest Holmes-Book Review After much thought and conversation/meditation I decided to write bi-weekly on the book Creative Mind and Success. We will go section by section and discuss the sections as we go. I hope that you will follow along in your copy and add any […]
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9/01/2009 Today Is My Birthday!! How Fun!
Posted on04. Sep, 2009 by Troy Horne.
I was sitting down with my wife watching the Harry Potter movie. This week I took a lot of time just to live and enjoy life. Let's just say I had a lot of time on my hands and so I got to reading an great book by Earnest Holmes and I will let you watch the video cast.


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Acceptable grains on the glycemic index
Recipes / Acceptable grains on the glycemic index (1000+)
Barbecued Beef (Bulgogi)
350 views
ingredients: 2 lb sirloin sliced across the grain on the diagonal bias, 1/2 tsp sugar
Spicy Beef with Shrimp & Bok Choy
509 views
in the Asian section. If unavailable, dry sherry is an acceptable substitute., , On the
Chile Corn On The Cob
1506 views
Chile Corn On The Cob, ingredients: Corn on the cob, in husks Chiles
Grill Roasted Corn On The Cob
2758 views
Grill Roasted Corn On The Cob, ingredients: Fresh corn on the cob, (1-2 ears per person
Honey Glazed Corn On The Cob
794 views
Honey Glazed Corn On The Cob, ingredients: 1 x Fresh Corn on the Cob, 1 Tbsp. Runny Honey
Chicken Chorizo One Dish Meal on the BGE Happy V Day !
212 views
Long Grain the excess fat in the Dutch oven. 4. With Dutch oven still on the grid add the
A Smokin' Cookin' Class
132 views
sour cream or cream cheese (depending on the cheesiness index you are trying to achieve) 1
Black Quinoa Asian Slaw
237 views
called the "Mother Grain" by the ancient Incasallergies Low on the glycemic index, which
Texas-Style Barbecued Brisket & Perfect Barbecue Sauce
92 views
you can see the grain across the top runs differently from the grain on the left side When
Compound Butter Blends and Ways to Cook Corn on the Cob
2567 views
corn on the cob on the grill, I guess I do more of a steamed corn - allowing the cleaned
Groups / Acceptable grains on the glycemic index (0)
Recipes from the Grill
71 members
Recipes from the Grill, Recipes cooked on the grill, whether it is beef, pork, vegetables
Hunters, Gatherers, Foragers, and the People who love us
3 members
you live in the city and have an herb garden in your window or on the roof, come on in. If
Weir Having a Dinner Party - July Classes
4 members
July 16th) and the other at Draeger's Blackhawk (July 17th). On the menu for these classes
11 members
sugar buzz on with recipes & tips from a professional pastry chef. Need advice on the hows
Cooking Around Food Allergies
13 members
Cooking Around Food Allergies, Always on the lookout for delicious recipes and ideas that
Themes / Acceptable grains on the glycemic index (0)
Cinco de Mayo Party!
cook on the stove depending on the year. This year it was hot, so the recipes are off the
A Perfect Day for a Picnic!
you're going to picnic in the park, on the beach, or in the mountains, make sure to pack
Easy and Inexpensive Holiday Dinners
dishes that are easy to make and easy on the wallet. Just invite your friends and family
it visually look like on the as a graphic display on the plate, the futurescape of food
Father's Day Celebration
rules about what to serve on Father's Day. It all depends on the Father! I've tried to
Trusted Results with Acceptable grains on the glycemic index
Healthy Eats " Archive " Pasta: Good or Bad?
Food Network's Healthy Eats: Healthy Recipes, Weight Loss Tips & Nutrition Information ... pastas on the market are enriched with iron too. Whole grain pastas ...

subset: commoncrawl


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Trouble Shooting Alcohol
January 28th 2011 02:20
Drinking Fault Finder
Symptom: Drinking fails to give satisfaction and taste; shirt front is wet.
Fault: Mouth not open or glass being applied to wrong part of face.
Symptom: Drinking fails to give satisfaction and taste; beer unusually pale and clear.
Fault: Glass is empty.
Solution: Find someone who will buy you another pint.
Symptom: Feet cold and wet.
Fault: Glass being held at incorrect angle.
Solution: Turn glass so that open end is pointing at ceiling.
Symptom: Feet warm and wet.
Fault: Loss of self-control.
Solution: Go and stand beside nearest dog - After a while complain to its owner about its lack of house training.
Symptom: Bar blurred.
Fault: You are looking through the bottom of your empty glass.
Solution: Find someone who will buy you another pint.
Symptom: Bar swaying.
Fault: Air turbulence unusually high - maybe due to darts match in progress.
Solution: Insert broom handle down back of jacket.
Symptom: Bar moving.
Fault: You are being carried out.
Solution: Find out if you are being taken to another bar - if not complain loudly that you are being hi-jacked.
Symptom: The opposite wall is covered in ceiling tiles and has a fluorescent strip across it.
Fault: You have fallen over backwards.
Solution: If glass is still full, and no one is standing on your drinking arm, stay put. If not, get someone to lift you up and lash you to the bar.
Symptom: Everything has gone dim and you have a mouth full of teeth and dog-ends.
Fault: You have fallen over forwards.
Solution: Same as for falling over backwards.
Symptom: You have woken up to find your bed cold, hard and wet. You cannot see your bedroom walls or ceiling.
Fault: You have spent the night in the gutter.
Solution: Check your watch to see if its opening time - if not treat yourself to a lie in.
Symptom: Everything has gone dim.
Fault: The pub is closing.
Solution: Panic.
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Indiana Pacers v Brooklyn Nets
Parole chiave
Kris Humphries of the Brooklyn Nets scores two in the second half... Foto di attualitàBarclays Center - Brooklyn,Basket,Basket - NBA Pro,Composizione verticale,Fare canestro,Figura intera,Indiana Pacers,Kris Humphries,NBA,New Jersey Nets,New York - Città,Seconda metà di tempo - Sport,Segnare,Sport,Stati Uniti d'America,Tirare la pallaPhotographer Bruce BennettCollection: Getty Images Sport 2013 Getty ImagesNEW YORK, NY - JANUARY 13: Kris Humphries #43 of the Brooklyn Nets scores two in the second half against the Indiana Pacers at the Barclays Center on January 13, 2013 in New York City. NOTE TO USER: User expressly acknowledges and agrees that, by downloading and/or using this photograph, user is consenting to the terms and conditions of the Getty Images License Agreement. The Nets defeated the Pacers 97-86. (Photo by Bruce Bennett/Getty Images)


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Yesterday's decision by Justice Helen Hoens of the New Jersey Supreme Court in Battaglia v. United Parcel Service, Inc., 2013 WL 3716939 ( July 17, 2013) provides some significant and necessary guidance on the scope of relief available under both the New Jersey Law Against Discrimination, N.J.S.A. 10:5-1 to -42 ("LAD") and Conscientious Employee Protection Act (CEPA), N.J.S.A. 34:19-1 to -8 ("CEPA"), and is a must read for anyone who practices in the employment law arena or advises companies on employment practices.
Justice Hoens' decision offers significant clarification and guidance in several areas, including: 1) can an employee recover under LAD for objecting to vulgar and offensive comments about women by a co-worker when it is undisputed that no women were subjected to the comments or claimed a hostile work environment because of them; and 2) can an employee recover under CEPA for "blowing the whistle" on what amount to violations of internal company policies, such as restrictions on credit card use; and 3) can an employee who makes a claim under LAD or CEPA recover for emotional distress damages that extend into the future without presenting any expert testimony?
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DISCLAIMER: Because of the generality of this update, the information provided herein may not be applicable in all situations and should not be acted upon without specific legal advice based on particular situations.
© Kevin O'Connor, Peckar & Abramson, P.C.
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Most people who have invested in initial public offerings, or IPOs, in the last three years have lost money. Shares of two out of three companies which have listed during the period are trading below their issue price. In 2010 and 2011, 112 companies came out with IPOs , out of which 82 are trading below their issue price. However, 2012 was better, as shares of just two out of 17 companies which listed this year are trading below the issue price.
The BSE IPO index, which tracks the value of companies for two years after they list, fell over 37% to 1,300 between 4 January 2010 and 31 December 2011. It has risen 28% to 1,679 this year till November 6.
Rajesh Jain, executive vice president and head, retail research, Religare Broking, says, "The index has risen this year due to change in the market sentiment and the stock market rally from January."
Since January 2012, the Sensex has risen 21% to 18,817. However, between 2010 and 2011, the index fell 12% and was at 15,454 on 30 December 2011.


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Maria Skinny Belt
We made our go-to skinny belt even better, in a bevy of beautiful leathers sourced for us by a family-owned pelletteria in the hills of northern Italy. Two chic keepers and a brushed silver-tone square buckle keep it modern. Seven holes give you the option to wear the belt cinched at the waist or slung low on the hips. Due to the nature of the dyeing process, unique color variations in the leather will occur. * 1/2" W* Leather * Italy
Mara Italian Double-Wrap Skinny Belt
Our '80s-inspired double belt ups the style quotient on whatever you wrap it around, whether it's circling a dress or casually threading through the loops of your skinny jeans. Multiple holes let you belt at the waist or hips. Due to the nature of the dyeing process, color variations will occur. * 1/2" W* Leather* Italy This belt runs small; order one size up.
Belgo Lux Woven Belt
A go-to belt beautifully crafted from plaited leather. Wear it on the hips or cinch at the waist — it adjusts wherever you need along the braid. Pure leather with a soft matte finish. Natural color variations will occur. * Belgo Lux* 2 1/2" W* Plaited leather* Brass-tone buckle* Imported
Prato Italian Leather Wrap Belt
We looked for a particularly luxe leather (and found it in Italy) to craft a modern twist on the obi belt. We made this one slightly narrower than previous iterations, the better to cinch your sweaters, tunics, and dresses with ease. Due to the nature of the dyeing process, unique color variations in the leather will occur. * 2 1/2" W in front; 1/2" W straps* Leather* Italy
Tie your outfit together with Garnet Hill women's belts. Our women's belts include skinny belts, wrap belts, and more constructed of the finest leather in delightfully bright hues or go-with-everything neutrals. Accent your look with Italian leather belts in modern designs, created just for Garnet Hill at a small pelletteria in Italy. Whether you are desiring an upbeat new trend or a timeless classic, cinching at the hips or at the waist, going casual or going dressy — Garnet Hill women's belts have just the look you are looking for.


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For the ninth consecutive year, 2014 conforming loan limits remain at their prior-year levels, a move which helps U.S. homeowners and buyers get access to inexpensive, government-backed home loans and today's low mortgage rates.
The loan limits are effective as of January 1, 2014 and apply to conventional mortgages nationwide.
Click here for today's live mortgage rates.
Loan limits are appropriately named. They are the maximum allowable loan size for a mortgage. Loan limits vary by product and region, and are included in a program's specific mortgage guidelines.
For example, the Federal Housing Administration enforces specific loan limits for FHA loans; and the Department of Veterans Affairs maintains specific loan limits for VA loans. Loans which exceed an FHA loan's local loan limit cannot be insured and loans exceeding a VA loans local limit cannot be guaranteed.
For conforming loans -- loans backed by Fannie Mae or Freddie Mac -- loan limits have been unchanged since 2006 when the government moved to raise the national limit to $417,000.
Conforming loans which exceed a local loan limit are commonly known as "jumbo loans". Jumbo loans are typically not backed by Fannie Mae or Freddie Mac, and are offered by local and national banks.
Jumbo mortgage rates are sometimes higher and sometimes lower as compared to conforming ones. However, because jumbo loans are not government-backed, eligibility requirements are often more stringent.
There aren't many low-downpayment options in the jumbo mortgage market; and, income and credit score requirements are often higher for jumbo loans. This is why the decision to leave the 2014 conforming loan limits unchanged is an important one.
With conforming loan limits held at $417,000 for at least another year, homeowners using conventional programs to refinance -- such as HARP -- and buyers using Fannie Mae's 5% downpayment program to purchase can get access to the lowest mortgage rates possible at the largest loan size available.
Click for today's live mortgage rates at new loan limits.
Fannie Mae and Freddie Mac made no change to the conforming loan limits for 2014.
In 2006, conforming loan limits were raised to $417,000. Loan limits were then held at that loan size between 2007-2013 despite rapidly falling home values nationwide.
At the time, officials defended the move by citing their want to make mortgage credit available to home buyers during a crucial stage of the housing market's recovery.
Reinforcing this point, in 2009, conforming loan limits were raised in certain "high-cost" areas nationwide; areas in which the median home sale price handily exceeded the national average.
The government has designated more than 208 high-cost areas nationwide including New York City, New York; Los Angeles, California; and the entire San Francisco-San Jose-Oakland metropolitan region.
No U.S. counties will experience a decline in conforming loan limits for 2014.
Several counties will benefit from an increase including five counties in Massachusetts, three counties in New York, and two counties in Virginia. Cities with new, elevated conforming loan limits for 2014 include Boston, Newburgh and Poughkeepsie, and Culpeper County, Virginia.
Garfield County, Colorado also received an increase, moving all the way to $625,500.
The baseline, non-high-cost conforming loan limits for 2014 are :
High-cost conforming loan limits range up to $625,000 for a one-unit home; $800,775 for a two-unit home; $967,950 for a three-unit; and $1,202,925 for a four-unit. In Hawaii, loan limits are even higher.
Click for today's live mortgage rates at new loan limits.
Not everyone's mortgage will fit within the 2014 conforming loan limits.
The good news is that homeowners and home buyers whose loan size exceeds conforming loan limits can still get financed. There are several home loan options. One such option is to get an FHA-backed loan.
FHA loans are loans insured by the Federal Housing Administration and loan limits for FHA loans can be higher than for a comparable conventional loan. In high-cost areas, the FHA will insure a loan up to $625,500.
FHA loans allow for low downpayments of just 3.5 percent and the agency is often more flexible with its loan approvals than either Fannie Mae or Freddie Mac.
Via its FHA Back to Work program, for example, the FHA will allow loans for a home buyer who is just 12 months removed from a bankruptcy, foreclosure or short sale. You can't do that with a conventional loan.
Borrowers over the conforming loan limit can use VA loans, too.
VA loans are loans guaranteed by the Department of Veterans Affairs. Like FHA loans, VA loans can be made at larger sizes than conforming ones. However, VA loans are available to military borrowers only.
Among the remaining ways to get financed are USDA loans for homes in non-urban city centers; and jumbo and private loans made by local and retail banks. You can get mortgage rates for jumbo loans here.
Conforming loan limits are unchanged for 2014, marking the ninth straight year of the $417,000 loan size cap. However, limits will vary by state and county -- sometimes by a lot.
Find your 2014 local conforming loan limit and get today's live mortgage rates for your area. Mortgage rates can vary by loan size.
Click for loan limits across every U.S. county.
The information contained on The Mortgage Reports website is for informational purposes only and is not an advertisement for products offered by Full Beaker. The views and opinions expressed herein are those of the author and do not reflect the policy or position of Full Beaker, its officers, parent, or affiliates.
Mike P.
The Mortgage Reports has provided me with helpful advice. I enjoy all the various types of mortgage information. Thank you!
Judy T. Business Owner
I read The Mortgage Reports every day.
Katrina B. Lab Technician
I look forward to reading The Mortgage Reports. Its information and updates helped me to buy my first home. Thank you!
2015 Conforming, FHA, & VA Loan Limits
Mortgage loan limits for every U.S. county, as published by Fannie Mae & Freddie Mac, the Federal Housing Administration (FHA), and the Department of Veterans Affairs (VA)


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Find the perfect hotel in Diss using our hotel guide provided below. Search for the cheapest discounted hotel and motel rates in or near Diss, United Kingdom for your upcoming personal or group travel. We provide the best Diss hotel/motel rooms. Review the Diss hotel list below to find the perfect lodging. We also have a map of the Diss hotels.The Diss center point is around 19 miles from Norwich Castle and 19 miles from City Centre Bury St Edmunds.
Diss Hotels, Motels & Accommodations
Next 20 Diss Hotels > [1 - 20 of 50]
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June 13, 2001
The meeting was called to order at 7:03 P.M. by Chair Butler at Fred Hesse Community Park, 29301 Hawthorne Boulevard, for the purpose of conducting the business pursuant to the Agenda delivered by mail to the Members. Present: Butler, Clark, Smith, Van Wagner, Wallace and Wolowicz. Absent: No one.
Roll call was answered as follows:
PRESENT: Butler, Au, Smith, Van Wagner, Wallace, and Wolowicz
ABSENT: No one.
LATE: Clark (excused by Chair Butler).
Also present were Finance Director Dennis McLean, Accounting Consultant Kathryn Downs, HVSI representatives Suzanne Mellen and Brian Rogers, Keyser Marston Associates representative Robert Wetmore, Destination Development Corporation representatives Robert Lowe and Mike Mohler and Minute Taker Jackie Drasco.
Commissioner Smith moved to approve the agenda, seconded by Commissioner Wolowicz. Motion carried.
Member Smith moved to accept the minutes as presented seconded by Wolowicz. Motion carried.
Chair Butler explained that the Finance Advisory Committee was asked to evaluate the financial viability of the proposed Long Point Resort Project (Resort Project). Having received the report provided by HVSI only a few days prior, the objective of the meeting was to first evaluate the report, listen to the presentation by the consultants and finally, ask questions of the consultant and developer. The committee will receive public comments related only to the financial aspect of the project.
Director McLean presented his staff report regarding the chronology leading to the HVSI report. Mr. McLean then introduced Robert Wetmore of Keyser Marston Associates, Inc., as well as Suzanne Mellen and Brian Rogers of HVSI. Mr. Wetmore is the City's consultant assisting staff with the review of golf and financial aspects of the Resort Project.
Suzanne Mellen, of HVSI, gave an overview of their report, dated June 8, 2001, including the eight scenarios evaluated (as directed by the City Council) and the six questions that were asked by the FAC about the Resort Project.
Brian Rogers, also of HVSI, discussed HVSIs conclusion that a 9-hole golf course was A necessary amenity for the Resort Project to be feasibility. Mr. Rogers also discussed both pros and cons regarding a 9-hole vs. 18-hole golf course. Mr. Rogers also discussed HVSIs conclusion that a joint venture with Ocean Trails Golf Course is not an acceptable alternative to the 9-hole golf amenity to enable the Resort Project to be feasible.
Suzanne Mellen further described the issues regarding the financing of the Resort Project. Ms. Mellen explained that based upon the rate of return calculations for the eight scenarios prepared by the Developer (and reviewed by HVSI), that the 9-hole golf amenity and 550 room keys would be necessary in order for the Resort Project to be feasible.
At this time Committee members asked questions of HVSI and suggested investigating different scenarios.
Robert Lowe, Senior Vice President of Destination Development Corporation, and Mike Mohler answered questions asked by the members of the Committee.
Break time- from 8:58 to 9:07pm.
Chair Butler said it would be good to have any new information concerning the project by the next meeting of June 27, 2001. The Committee and Director McLean prepared a list of additional information requested by the Committee.
Public Comments regarding the Agenda Item:
Rowland Driskell, 30 Via Capri, favored all development on the developer's property.
Bob Nelson, 6612 Channelview Court, questioned whether there would be a traffic impact.
Tom Redfield, 31273 Ganado Drive, expressed that he trusted the ability of the finance committee to analyze the report.
Dean Friedson, 1737 Via Boronada, Palos Verdes Estates, questioned how City revenues would be affected by proposed sale of the villas.
Betty Strauss, 10 West Pomegranate Road, commented on the unpredictability of values for the proposed houses for the development.
Frank Bescoby, 19 Surrey Lane, stated his opposition to the project.
George Gleghorn, 28850 Crestridge Road, stated that he had hoped HVSI's report might have included analysis on all possibilities, not just ones with golf.
Gloria Anderson, 6818 Los Verdes Drive #8, commented on the HVSI report and questioned the amount provided in the projections for concession payments to the City.
Mike Mohler, Destination Development Corporation, 11777 San Vicente Blvd., Suite 900, Los Angeles, commented that the City should not make a decision based solely on economics. He felt the aesthetics, access, and benefits should also be considered.
The rest of the items on the agenda were continued to the meeting of June 27, 2001.
Commissioner Wolowicz stated he sent some questions regarding the 2001 Five-Year Financial Model to Director McLean.
Commissioner Wolowicz stated in accordance with the Brown Act: that he had lunch with Jim York and Mike Mohler and proliferarily discussed the Resort Project. By stating this, he wanted it to become part of the public record.
There were no general public comments. All public comments had been incorporated into individual agenda items.
The meeting was adjourned at 10:02 P.M.
Chair, Finance Advisory Committee
Finance Director (Minute Taker)
FROM: DENNIS McLEAN, FINANCE DIRECTOR
The Citys consultant, Hospitality Valuation Services International (hereafter referred to as "HVSI"), completed their limited study regarding the proposed Long Point Resort Project (hereafter referred to as "Resort Project") and issued their report, dated June 8, 2001. During its discussion about the HVSI report, the members of the FAC asked many questions, including several questions about the methodology used by HVSI in the conduct of its study. As a part of its study, HVSI reviewed the financial projections, requested revisions of the same projections using HVSIs own assumptions and conducted interviews with the staff of Lowe Enterprises, the parent company of Destination Development Corporation.
Finance Staff discussed the methodology with HVSI during the duration of HVSIs study. Unfortunately, it was not practical for the members of the FAC to participate in those same discussions. Therefore, the members of the FAC have been unable to develop the same understanding of the work performed by HVSI. Accordingly, Finance Staff has requested HVSI to prepare the attached letter, dated June 21, 2001, detailing the methodology used in the conduct of its study.
To receive, discuss and file the HVSI methodology letter dated June 21, 2001. Staff has written a separate report regarding the FACs directions and questions resulting from its discussion of the HVSI report. As always, Finance Staff remains ready to answer any questions regarding the HVSI methodology letter, or re-direct them to HVSI for their reply.
Respectively submitted,
Dennis McLean
Finance Director
June 21, 2001Mr. Dennis McLean Finance Director City of Rancho Pales Verdes 30940 Hawthorne Blvd. Rancho Palos Verdes, California 90275 (310) 544-5212 (310) 544-5291 FAX firstname.lastname@example.com
Re: Long Point
Resort - Rancho Palos Verdes
Dear Mr. McLean:Pursuant to your request, this letter addresses serves as an addendum to our consulting report referenced above and sets forth the methodology employed by HVS International in reviewing the PKF occupancy and rate projections and the development pro formas prepared by Destination Resorts. Please note that we have signed a very strict confidentiality agreement with Destination Resorts that mandates that we do not identify any information in our communication with you other than that which has already been made public in the PKF and ERA reports and the internal rates of return resulting from their development pro formas. These documents are referenced in our consulting letter dated June 8, 2001.
I have been asked to set forth my experience and qualifications for performing the review undertaken in this assignment. By education I am a hotel consultant and designated real estate appraiser. I began consulting on hotels in 1976, and have specialized in the appraisal and/or evaluation of hotels exclusively since January of 1978, giving me over 22 years of experience in this area. I established my practice in California in 1985 and have been significantly involved in assignments pertaining to most of the resorts in California at some point in time during the last 16 years. We appraise or evaluate 200 to 300 existing and proposed hotels from my office alone each year. My office also shares a database of hotel income and expense statements with the other 11 offices of our firm, four of which are in the United States. I review numerous hotel and resort hotel development budgets each year. While not a lender or mortgage broker, we do keep current on lending parameters for existing and proposed hotels in order to perform our appraisal assignments. During the course of our consulting work we have reviewed or performed our own modeling of development cash inflows and outflows, including project financing. I have been designated as an expert in hotel feasibility studies, market analysis, and valuation in numerous courts of law. I am a teacher, author, and speaker on this topic and I would be pleased to further share with you my qualifications and references.
Brian Rodgers, who assisted me in the review and analysis, holds a Masters degree in Hotel Administration from Cornell University. He has substantial hotel operating experience and for the past three years has been performing varied hotel and appraisal and consulting assignments for HVS. Brian worked as the pre-opening assistant to the General Manager of the Four Seasons Aviara, is a resident of San Diego, and is extremely knowledgeable about Southern California resorts.
Both the Appraisal Institute and the Counselors of Real Estate have Standards of Professional Practice and a Code of Ethics that must be adhered to by their members when performing consulting assignments. As an MAI (member of the Appraisal Institute) and a CRE (Counselor of Real Estate) I am required to adhere to these ethics and standards and have done so for this review assignment. Our work was independently performed and we believe that we had sufficient evidence to reach our conclusions.
The original scope of our assignment was to review the studies performed by PKF and to opine on the reasonableness of their occupancy and average rate forecasts and the need for a nine-hole golf course, as opposed to an 18-hole golf course, based upon information contained in the reports. PKFs October 2000 letter report set forth their conclusions regarding average rate and occupancy but did not contain any analysis pertaining to the impact on the resort of a nine-hole golf course, as opposed to an 18-hole golf course. We can infer, based upon our review of their 1997 study, that they have forecast the resort with a nine hole course to obtain an average rate approximately $10 to $12 lower than the same resort with an 18-hole resort course. No data or analysis was provided to substantiate this conclusion. HVS had not been retained, as of the time of our review, to perform our own independent data collection and analysis of the impact of a nine-hole golf course as opposed to an 18-hole golf course.
Our conclusion that the occupancy and average rate forecast for the proposed resort is reasonable is based upon our own in-house database of the occupancy and average rate results of other Southern California resorts. We have not undertaken a complete supply and demand analysis to develop our own independent conclusions regarding average rate and occupancy. The PKF report provided us with their analysis of the projected average rate for standard rooms as well as the casita units, but we were not provided any specific individual comparable property data supporting their forecasts. Destination Resorts then took the PKF forecasts and applied discounts to the average rate in the first through third years of operation for the hotel to buildup to the stabilized average rate as projected by PKF ($285 in 2000 dollars).
The second phase of our work entailed reviewing the developers development pro formas for reasonableness. The development pro formas prepared by Destination Resorts, which we were given to review, are comprised of several components, as delineated below:
In reviewing the hotel and golf pro formas prepared by Destination Resorts, we looked over the forecasts of income and expense and had approximately four hours of discussions with the developer regarding the resorts various sources of revenue and expense. We did not review all of the supporting analysis that the developer likely has as the basis for the analysis; rather, we requested and received supporting data for those specific revenue and expense line items for which we had a question. Without the benefit of a detailed written report setting forth the basis for each line item of the forecasts, such a review would take an estimated two days of our time. We would normally review a number of "comparable" income and expense statements and gain an understanding of the basis for the developers rationale behind each revenue and expense item, looking at operating ratios, and dollar amounts per occupied and per available room. Our review in this instance consisted primarily of the review of operating ratios. Our opinion of the reasonableness of the forecast was based upon our years of experience in reviewing income and expense statements for existing hotels and golf courses and preparing forecasts of income and expense for proposed resorts in Southern California. Based upon our experience, the income and expense ratios set forth by Destination Resorts fall within the range of typical industry norms.
In our review of the villas sales revenue we relied upon the ERA May 2001 report, which sets forth a forecast of villa pricing and sales pace. The forecast of ongoing management income appeared reasonable based upon our experience with income generated by resorts with comparably structured rental-pool agreements.
The development pro formas hypothesized certain construction and permanent financing that we determined was reasonable based upon our knowledge of the current market for hotel financing. The quarterly inflow and outflow of debt proceeds and debt service payments were reviewed and appear to be accurately modeled. We tested the internal rate of return calculations for accuracy; in our opinion, the derived equity yields appear fundamentally sound and reasonable.
The summary development budgets for each component of the project were reviewed. The development cost forecast for the resort and golf components falls within a reasonable range based upon our familiarity with the development costs of other California resorts and golf courses in recent years. However, note that development costs for these types of projects vary widely.
Please contact us if you have further questions or if you would like additional clarification regarding our methodology in this assignment.
HVS International
Suzanne R. Mellen, CRE, MAI
Managing Director
FROM: DENNIS McLEAN, FINANCE DIRECTOR
The Citys resort consultant, Hospitality Valuation Services International (hereafter referred to as "HVSI"), recently completed their limited study regarding the feasibility of the proposed Long Point Resort Project (hereafter referred to as "Resort Project") and issued their report, dated June 8, 2001. A copy of the report is attached to this staff report.
During its discussion regarding the HVSI report, the members of the FAC directed Finance Staff, HVSI and Keyser Marston (the Citys golf and financial consultant), to research the answers to several questions and obtain additional information (hereafter referred to as the "Requested Information") described on page 2 of this report. Both HVSI and Keyser Marston have offered many comments and recommendations that are incorporated into this staff report.
Subsequent to the June 13th FAC meeting, the FAC Chair requested that this matter be added to the June 27th FAC agenda. Additionally, the FAC Chair requested the Developer to provide an overview about the Lowe Enterprises organization, especially its capabilities.
A brief summary of the purpose of the FACs involvement and the HVSI study follows:
Primary Purpose Of FACs Review Of The Resort Project
During the month of August 2000, the City Council directed the FAC to review the financial reports submitted by the Destination Development Corporation (hereafter referred to as the "Developer"). The City Council specifically requested the FAC to review the financial reports provided by the Developer and, if possible, recommend to the City Council: (1) whether or not the Developers basis for computing the projected tax and fee revenue is reliable; and (2) whether the projected revenue to the City is achievable.
Primary Purpose Of HVSIs Study Of The Resort Project
The primary purpose for of the limited review conducted by HVSI was to answer the primary question:
Whether the use of the Citys public land for the 9-hole golf facility is necessary for project feasibility?
Finance Staff, HVSI and Keyser Marston have exchanged emails and conducted several phone conferences since the June 13th FAC meeting. During the phone conferences, Finance Staff, HVSI and Keyser Marston reviewed the details of the Requested Information, developed its approach for obtaining the Requested Information, established a few questions of its own and determined a recommended timeline for providing the Requested Information. A list of the Requested Information follows:
A background summary, recommendation and the proposed timeline follows for each of the six items included as a part of the Requested Information:
The Developers application to build the Resort Project, filed in July 2000, includes a regulation nine-hole golf course, with adjoining practice facility and golf learning center. During 1997, the Developer retained PKF Consulting (hereafter referred to as "PKF") to perform a market feasibility study for a resort project at the Marineland site based upon assumptions under consideration at that time. The 1997-resort project included an eighteen-hole course, rather than the 9-hole course included with the Developers application. At the request of the FAC, the Developers consultant, PKF updated the 1997 study and issued the report in October 2000 (hereafter referred to as the "Bridge Update").
The Bridge Update is silent regarding the impact on the Resort Project resulting from the inclusion of a regulation nine-hole golf course, rather than the 18-hole course made apart of the 1997 market feasibility study. Upon request by the FAC and the Citys consultants, the Developer was instructed to consider the impact resulting from changing the application to include a regulation nine-hole golf course, rather the eighteen-hole course. PKF issued a letter, dated November 13, 2000, asserting the following:
"While we believe that an 18 hole course at the subject site [Long Point] would be preferable, a high quality nine hole course with an ocean orientation, driving range and learning center should be strong enough amenity for the hotel to enable it, along with its other attributes, to compete in the regional marketplace. It should be noted, however, that the aforementioned nine hole course would be a minimum to allow the property to compete effectively."
The November 13, 2000 letter did not include any statements whether or not PKF conducted any quantitative research (e.g. a market feasibility study) to support the assertion that the Resort Project is feasible with a regulation length nine-hole golf course, rather than an 18-hole course.
Recommendation And Timeline
It is Finance Staffs understanding that PKF did not conduct a market feasibility study to determine whether or not a nine-hole course would cause reduced room rates and occupancy levels, compared with those reported in the 1997 market feasibility study. Accordingly, HVSI will perform a limited study to determine whether or not any comparable resorts with a nine-hole course exist. If so, HVSI will interview resort operators that currently manage properties with nine-hole regulation length golf courses. HVSI will also interview resort operators that have expanded from nine-hole courses to eighteen-hole courses. HVSI will also interview operators of resorts with 27 holes of golf to determine the demand for 9-hole play.
HVSI expects to complete this study on or before July 18th. This would enable HVSI to present its findings at a Special Meeting of the FAC that could be held on July 25th.
Several members of the community have said that the City would become an "equity partner" in the event all, or a portion of Point Vicente Park, is provided for the proposed Resort Project with golf course. With a lenders perspective in mind, several members of the FAC have requested that a "break-even" analysis be performed.
HVSI and Keyser Marston have expressed several noteworthy comments regarding the financing risks of resort properties during discussion with Finance Staff since the June 13th FAC meeting. HVSIs comments and recommendation follow (in italic fonts):
"It is extremely rare for resort properties to cease operations. In the event a resort property is unable to generate sufficient cash flow to service debt, the propertys capitalization is restructured and the lender generally reduces interest and/or principle payments to enable continued operations and manageable debt service payments. If a resort property defaults to the hands of a creditor, it is generally sold to another investor for an amount less than the original investment. The sale is financed by either the original lender or a new lender at a dollar amount appropriate for the then market value of the property.
Based upon the assumed 50% loan-to-value ratios utilized in the developers proformas for both the construction and permanent loans, it would appear to be appropriate to perform a stress test to see to what level the resorts occupancy and average rate would have to decline before debt service payments could not be met. A second stress test should be performed to determine to what level the resorts occupancy and average rate would have to decline before the resort could not cover its operating expenses. The assumption is that at this level continued operation of the resort could not be justified".
The cessation of operations of a resort property in the Western United States is a rare occurrence. The Citys consultants see this as a "worst worst case scenario".
Recommendation And Timeline
HVSIs recommendation is as follows:
"HVSI suggests that the Developer prepare stress test projections to determine what reduced occupancy and room rates will generate cash flow available to 1) break-even at a level to service debt and 2) break-even at a level to cover operating expenses. HVSI will then review these stress tests and report the conclusions to the FAC to the extent that Destination Resorts permits per the confidentiality agreement".
HVSI expects to complete this study on or before July 18th. This would enable HVSI to present its findings at a Special Meeting of the FAC that could be held on July 25th.
In the event the Citys provides Point Vicente Park for use of the proposed nine-hole gold course, it would do so pursuant to the terms and conditions of a concession agreement. Among other terms, the concession agreement would require payments to the City for use of the Citys land. Members of the community have expressed concerns about the non-economic value of the Point Vicente Park land. During the June 13th FAC meeting, a member of the community raised the question regarding the amount the Developer has included in its financial projections for an annual concession payment. The FAC directed the Citys consultants to obtain the amount provided in the Developers financial projections.
Recommendation And Timeline
Finance Staff and the Citys consultants have discussed this request several times since the June 13th FAC meeting. Though the proposed concession amount is meaningful to the City, it will not be a significant annual operating cost of the Resort Project. Based upon Finance Staffs own "what-if" calculation, the concession amount may even be less than one (1%) percent of the annual cash outlay of the Resort Project. Likewise, the golf operation will not be a significant revenue center for the Resort Project.
As you may recall, HVSI has conducted its review, including the cash flow projections of the Resort Project, pursuant to a binding confidentiality agreement with the Developer. Finance Staff and the Citys consultants recommend that the concession amount included in the Developers financial projections not be disclosed at this time.
HVSI will inquire whether the financial projections include a sufficient provision for the annual concession expense for six golf holes, rather than four golf holes included in the Developers original application. HVSI expects to present its findings at a Special Meeting of the FAC that could be held on July 25th.
During its discussion of the HVSI report, several members of the FAC asked whether or not the Resort Project (or any other resort project at the Marineland site) is feasible without golf as an amenity. The question was also asked whether or not the Resort Project is feasible without a golf course on the Citys land, but available as an amenity via a joint marketing agreement with Ocean Trails. The inherent assumption includes the willingness for both the Developer (or any other developer) and Ocean Trails to enter into the proposed joint marketing agreement.
The Developer has already prepared projections that purport that its 20% internal rate of return (IRR) benchmark is achievable only with a 9-hole course and 550 keys. Any further revisions based on no golf and fewer units will only reduce the projects IRR. The Developer is not interested in revising its plan to exclude golf and/or significantly reduce the number of units.
HVSI Reply
"As an alternative, the City could request its consultants to prepare a feasibility study based upon the Citys own assumptions including no golf, fewer units, and other amenities. In the absence of golf, a new concept for the resort would have to be hypothesized. Options that might be considered include development of a dedicated conference center resort, a dedicated spa resort, or a generic group and leisure oriented resort hotel such as the Coronado Marriott. An additional option would be some combination of these three concepts. A concept would have to be agreed upon for the consultants to perform a feasibility study. HVSI estimates that such a study may take at least 3 plus months to complete.
It is HVSIs opinion that it is unlikely that these various options would render the project feasible. Dedicated spa resorts are generally smaller, more intimate properties that require an owners personal expertise to be successful. They also generally evolve through expansions and build up a strong reputation over time. A resort may contain a significant spa component without being a dedicated spa resort, but a spa operation does not enhance a hotels average rate, occupancy and overall marketability to near the same degree as a golf course. Lenders are wary of significant reliance upon a spa component to render a resort hotel feasible. Dedicated conference centers are extremely expensive to develop and are also smaller than the proposed subject. Conference centers have had mixed success and are extremely challenging to finance and operate. A concept comparable to the leisure and group oriented Coronado Marriott would likely not be feasible or financeable in the current hotel investment environment. Few such resorts have been built over the past decade because their obtainable room rates are not sufficient to support the high land, infrastructure and overall development costs of a resort. For the most part, throughout the United States, only those full service hotels and resorts targeted to the highest rated consumer have been successfully developed during this most recent development cycle. There has been a marked absence of full service hotel and resort development because average rates are not sufficient to support the high construction costs of these projects. The majority of hotel development since 1994 has been of limited service hotels such as Holiday Inn Express, extended-stay hotels such as Extended Stay America and Residence Inn by Marriott, or luxury hotels and resorts, such as Ritz Carltons and Four Seasons. It is only at the luxury end of the market that new resort development has been feasible in recent years.
Resort operators, needing to maximize average rate and occupancy, will almost always require that golf be provided as a component of the resort project. For these reasons, the City may want to consider whether it would be useful for the consultants to perform a feasibility study of alternate resort scenarios without golf".
Recommendation And Timeline
HVSI has estimated that the study could be completed in about three (3) months, at a cost of approximately $25,000. In light of the time required to perform the feasibility study, its cost, as well as the uncertainty of its conclusions, its justification is questionable. In the event the members of the FAC feel such a study is necessary, Finance Staff suggests that it direct the matter to the City Council immediately.
Finance Staff has raised the question regarding the ratio of the Developers land cost, in conjunction with the overall development cost of the Resort Project. After reviewing the internal rate of return results included in the HVSI report, dated June 8th, Finance Staff questioned whether the land cost is excessive for the Resort Project.
HVSI Reply
HVSI replied to the Finance Staffs inquiry as follows:
"The projects actual land cost is confidential. HVSI has reviewed the hotel land cost set forth in the development proforma, together with the cost of obtaining entitlements, and they opine that the combined cost, while substantial, is at the low end of the typical range of land costs when analyzed as a percentage of total development cost for resorts of this nature. Based upon the development of a 550 room resort with 32 villas, the land cost falls at the low end of the typical range of land percentages and land value per unit. Assuming the development of a 400 unit hotel the land percentage and amount per unit rises to the high end of the range evidenced by comparable properties. The cost of the land and entitlements clearly play a significant role in the sizing of the resort.
Finance Staff sees no further need for any follow-up inquiries regarding this matter at this time.
In the event the City provides all, or a portion of, its Point Vicente Park for a part of the 9-hole course, it will be necessary to include adequate protections for the city in the agreement, to cover a variety of potential contingencies. These protections typically include the requirement that the operator continuously operate the improvements, with failure to do so constituting an event of default.
Keyser Marston feels that it noteworthy to point out:
" the resort lender will be vitally concerned about golf course operations, since the course is a vital amenity of the development. Any impairment of golf operations could drastically affect the value of the property and hence the lender's security. The Resort Project lender will require the Developer be current on all obligations and covenants included in the concession agreement. Failure to do so constituting an event of default on the mortgage commitment and will insist on a right to cure a default on obligations by the developer in respect to obligations to the city.
The protection of the City's interest in the agreement is a vital aspect of the overall business terms. Typically, consideration of these issues is part of the overall negotiation of business terms of the concession agreement negotiated between the City and the Developer, if such negotiations occur".
Neither Keyser Marston, HVSI nor Finance Staff believes a feasibility study of the proposed golf operation is warranted. The proposed golf operation is a proposed amenity, not a significant revenue center. As stated previously, the protection of the City's interest in the agreement is a vital aspect of the overall business terms to be included in a concession agreement that would be negotiated. It is likely that any secured lender of the Resort Project will not permit the operation of the golf course to pass to the City, except in the event of its cessation.
Based upon a recent discussion with the Director of Planning, Building Safety and Code Enforcement, it appears as though the Planning Commission will make its recommendation to the City Council at its September 4th meeting. Finance Staff continues to encourage the FAC to complete its review in coordination of the Planning Commission timeline. Accordingly, Finance Staff recommends and seeks direction regarding the following:
Finance Staff is available to assist the FAC with any necessary Special Meetings during the Summer to enable the FAC to make a recommendation to the City Council during the month of August or September, although the Director would really like to take a weeks vacation in August as well.
Respectively submitted,
Dennis McLean
Finance Director
FROM: DENNIS McLEAN, FINANCE DIRECTOR
Staff Coordinator: Kathryn Downs, CPA, Financial Consultant
June 13th FAC Meeting Review of 2001 Five Year Financial Model (Continued to the June 27th FAC Meeting)
Due to the late hour of the June 13th meeting of the Finance Advisory Committee (the "FAC"), its members acted to continue Agenda item #5, 2001 Five Year Financial Model (hereafter referred to as the "2001 Model"), to the agenda for the Special Meeting on June 27th. For the convenience of the FAC members, as well as other readers, Finance Staff has incorporated the content of the staff report dated June 13, 2001 into this staff report.
Significant Events Subsequent to City Councils Review of 2001 Model on May 1st and the FACs review on April 11th
During its meeting on June 5th, the City Council acted to approve a purchase agreement for the acquisition of approximately 626 acres of open-space land as follows:
The estimated combined purchase price for the Portuguese Bend and Filiorum properties is $27,335,000. The City is eligible to receive up to approximately $400,000 of Proposition 12 state funds for open space purchases. The remainder of the financing required to complete the purchase will require the combined effort of the City, Palos Verdes Peninsula Land Conservancy, state and local agencies and private monies. The Palos Verdes Peninsula Land Conservancy has pledged $6 Million in private donations to finance the purchase.
April 11th FAC Meeting Review Of 2001 Five Year Financial Model And Recommendation To The City Council
The FAC reviewed the first draft of the 2001 Model at its meeting on April 11, 2001. Upon finishing its review, the FAC acted to: (1) accept the 2001 Model: and (2) forward it to the City Council with a recommendation to continue the utility users tax at a rate of 3%, in light of the uncertainty of the state of the national and state economic future, its potential impact on future revenue to the City, as well as the potential (and unknown) cost of storm drain repairs and improvements. During the meeting, the members discussed the possibility of reviewing the 2001 Model at a later date.
May 1st City Council Meeting Significant Revisions To The 2001 Model
The 2001 Model was presented to the City Council on May 1, 2001. As a result of its review, the City Council directed Finance Staff to revise the 2001 Model as follows:
Finance Staff included the same fund transfers in the remaining three years of the 2001 Model. Therefore, assuming the City Council directs Finance Staff to include the transfers through FY 05-06, General fund reserves would be decreased by an additional $2,125,000 ($225,000 plus $200,000 x 5 years), compared with the 2001 Model reviewed by the FAC during its April 11th meeting. The Recycling fund would be decreased $500,000 through FY 05-06 ($100,000 x 5 years).
The City Council further directed staff to clearly explain in the Budget Document that the monies transferred to the newly created funds are not appropriated for spending until the City Council approves appropriate CIP projects. The City Council has the discretion to transfer the monies back from the Roadway Beautification CIP fund and Utility Undergrounding CIP fund at any time, subject to a majority vote of the City Council.
Summary Of Other Changes In The 2001 Model Subsequent To The FACs Review And Recommendation To The City Council During Its April 11th Meeting
During the course of completion of the FY 01-02 and FY 02-03 Budget Document, Finance Staff made several refinements, based upon new information provided from state, county and internal sources. Most of the revisions were immaterial, except for the changes directed by the City Council (described in the previous section), as well as several increases and decreases of General fund revenues and program expenditures. A summary of the material changes in the General fund follows on the subsequent page of this report. Also, the Economic Model Input Factors for FY 01-02 (Adopted Budget) and FY 02-03 (Proposed Budget) included on Page 1 of the 2001 Model are meaningless.
Format of the 2001 Model
The 2001 Model includes the presentation of revenue, expenditures and ending fund balances for all funds for the FY 98-99 and FY 99-00. The financial statements for FY 98-99 and FY 99-00 were audited by the Citys independent auditors, who expressed an unqualified (clean) opinion regarding the fair presentation of the statements. Estimates of revenue, expenditures and ending fund balances are presented for the current fiscal year that will end June 30, 2001. The first two years of the 2001 Model include estimates of revenues, expenditures and ending fund balances based on the adopted FY 01-02 budget and the proposed FY 02-03 budget. The remaining three years of the 2001 Model through FY 05-06 are based upon the assumptions described on Page 1 of the 2001 Model.
Significant Assumptions Considered during the Preparation of the 2001 Model (Unchanged):
The following assumptions (remained unchanged) and were used in the preparation of the 2001 Model:
Respectfully submitted,
Dennis McLean
Finance Director


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Keep in mind that this is primarily a high level check that does not replace but, after all, eases the review process. There is no guarantee that no other issues could show up in a more in-depth manual follow-up review. This service depends on modules that are still under development and changed frequently hence the quality of automated reviews can vary from day to day.
Review of the 7.x-1.x branch:
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BIRMINGHAM, Ala. --- Chattanooga senior runner Emmanuel Kirwa (Kapsabet, Kenya) finished eighth overall at the NCAA Cross Country South Regional Saturday morning at Veterans Park in Birmingham, Ala., and earned a spot at the NCAA National Championships later this month.
"He backed off," Head Coach Bill Gautier said. "He said he was saving it for the nationals. He knew he was the fourth guy and he ran under control."
Kirwa, a three-time Southern Conference Runner of the Year, ran the 10-kilometer race in a time of 30:22.31 and was the fourth individual finisher in the race. He bettered his time in the event by more than 38 seconds.
Junior Chris Berry (Murfreesboro, Tenn.) was 20th in the race with a time of 30:44.56 despite falling during the event. "He might have had a shot," Gautier said of Berry's chance of a possible at-large bid. Nathan Wanuch was the Mocs third finisher in the race with a time of 31:55.65 placing 46th out of 147 runners.
Alabama won the race with a team score of 30 that included four in the Top Eight. Florida State, paced by overall champion Ciaran O'Lionaird with a time of 30:03.34, was second with a team score of 55. Both teams earned automatic qualifications to the NCAA National Championships.
Individuals Dumisani Hlaselo of Florida (4), Barnabas Kirui of Ole Miss (6), Auburn's Ben Cheruiyot (7) and Kirwa were the top four individuals not on a qualifying team and earned a spot in the Nationals to be run in Terre Haute, Ind., on Nov. 22.
The Mocs placed sixth overall with a score of 157, just seven points behind instate foe Tennessee. Chattanooga placed ahead of Ole Miss, Belmont, Kennesaw State and Mississippi State.
"We beat some pretty good teams," Gautier said. "I'm really pumped."
In the women's race, the Lady Mocs placed 12th overall led by senior Anneli Uys (Somerville, Australia) who finished 40th overall with a time of 21:15.52 over the 6K course.
"The women did what they were supposed to do," Gautier said. The Lady Mocs finished ahead of teams from Georgia Tech, Miami and Tennessee.
Tara Gietema (Knoxville, Tenn.) was Chattanooga's second finisher in 60th place overall with a time of 21:52.35. Kathryn Stuart (Brentwood, Tenn.) and Mary Cumbee (Brentwood, Tenn.) were 80th and 81st respectively for UTC and Shelley Taylor (Cohutta, Ga.) rounded out the scoring runners for UTC with a 92nd place finish out of 186 competitors.
Florida State won top honors in the women's race with 24 points and all five scoring runners finishing in the Top Eight. Florida was a distant second with 67 points and will join the Seminoles as automatic qualifiers. Georgia's Kristie Krueger was the overall champion with a time of 19:52.93. Other individual qualifiers include Hollie Knight of Auburn (5), Mackenzie Howe of Kennesaw State (8) and Vanderbilt's Jordan White (11).
Kirwa is the first Chattanooga runner since 2006 to advance to the National Championship and the first male runner since Ian Mayne in 2005.


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There were many macro questions–fleet, routes–for United chief executive Jeff Smisek during an address in Sydney last week, but some aviation hobbyist questions were not forgotten.
United Airlines is the only airline (that we are aware of) that offers live air traffic control as an audio channel on its on-board entertainment system. United calls it "From the Flightdeck", but the live ATC feed is better known for the audio channel it is featured on, and thus "channel 9″.
United's merger partner, Continental, does not offer channel 9 or anything like it. When asked if United would extend channel 9 to Continental's aircraft, Smisek had this to say:
I know a lot of our United customers enjoy it. We've looked at that and that's a very expensive addition to our fleet, so I don't think we're going to be doing that anytime soon.
Smisek says the Continental-United merger will give it $1.2 billion annual savings "but we have a lot of priorities for that capital." Pegged amongst other items is a refurbishment of economy class on the carrier's 747-400 aircraft. Smisek hopes to realise that upgrade by the time United receives its first A350 XWB aircraft in 2016.


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Rolla, Mo. -- The Missouri Southern women's cross country team had two runners place in the top ten and six in the top 27 as the Lions placed third overall at the 2013 Jackling Jocks Invite hosted by Missouri S&T today in Rolla.
Dora Eastin placed second overall as she ran the 5k course in a time of 18:19.91. Addie Mengwasser was tenth with a time of 18:50.32, while Kizzy Kirby and Dana Roberson placed 18th and 19th, wit times of 19:24.86 and 19:26.45, respectively.
Sierra Gray placed 21st with a time of 19:28.18, while Kayla Bartelsmeyer placed 27th in a time of 19:49.62. Kelly Jo Roberts was 41st, while Jet Hovis placed 43rd.
Southwest Baptist took the team title with a total of 20 points as the Bearcats had four runners in the top five. Drury was second with a total of 68, while the Lions were third with 70 points. Missouri S&T was fourth, tied with McKendree, while Lindenwood, Lincoln, Arkansas Tech and Webster University, rounded out the team scores.
Southern will be back in action on Oct. 26, taking part in the 2013 MIAA Cross Country Championships, held at Pittsburg State.


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Art & Design
5:14 am
Fri July 4, 2014
Banksy Buyer Turns $60 Art Purchase Into $215,000
By editor
Originally published on Fri July 4, 2014 5:52 am
Good morning. I'm David Greene. Last year, British graffiti artist Banksy took New York by storm with a month-long guerrilla art campaign. Part of that included putting dozens of his signed, spray-painted works up for sale for just $60 each at an anonymous sidewalk stall. It was not a huge success. Over seven hours, just three people bought eight pieces of art. Now two of those have been sold at auction in London for $215,000, roughly 1,800 times the original price. It's MORNING EDITION. Transcript provided by NPR, Copyright NPR.


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RACQUETS: Round-up from the courts and tables
Posted: December 20, 2012|
TABLE TENNIS LEAGUE by David Williams
IN THE opening rounds of the Handicap Cup competition, nine teams beat the handicap concession given to their opponents. Each match is the best of 11 sets with each set comprising two games of 25 points up.
Division I Woolwell E conceded 24 points to Railway D and won 6-3. Russ Keith won all the sets for Railway, just beating Nat Sheehan 12-25; 16-25 (52-50) and Lisa Radford 15-25;
13-25 (52-50). Woodland Fort C, with a maximum from Mike Willis, also won 6-3 against Inter City F (+22). All of the Astor F team of Steve Harvey, Nick May and Gerry Elliot won two sets when giving Inter City E eight points and winning 6-3. Martin Fowler was the maximum man for Astor E who had little difficulty in knocking out Crafthole D (+2) 6-2. It was not the best night for Woodland Fort F (+19) at Railway B. Fort trailed 2-1 when both Jim Parkins and Mike Perry retired with Railway winning 6-1. A 16-point start was not enough for Woolwell N at Lee Mill. Lee Mill narrowly won the first two sets when Ann Warren beat Mike Townsend 25-17; 26-17 (51-50) and Richard Smaridge defeated George Tregonning also by 25-17; 26-17 (51-50), but then the Millers pulled away to win 6-1. Against Spar Saltash, Woodland Fort H (+11) won the first set when Keith Phillips overcame James Lock by 16-25; 25-21 (52-46), but Saltash (Steve Marley 3) won the next six sets. Another team to concede 11 points and win 6-1 was Woolwell L over Woolwell R. The difference in standard between divisions one and two was evident when Woolwell A from Division One accounted for Woodland Fort A (+25) 6-1.
Division One Crafthole B ( Liz May 3), with only two players, put up a great fight against Crafthole C (+16) only losing 6-4. Three from Darren Stockton for Inter City D was not enough to prevent Astor G (+ 13) winning 6-4 with Ron Parnell and Dave Harding scraping home in the doubles 20-25; 17-25 on the sudden-death point. Woolwell K (+25) took full advantage of their concession to defeat Railway A 6-3, with maximums from Jack Lambert and Ben Williams. Inter City C received only two points from Astor D but it was enough to win 6-3 thanks to three from Paul Lambert. Division Four leaders Molyneux Associates failed to concede 19 points to Crafthole E (Adam Killeya 3) from Division Five, who won 6-3. With only two players Railway C were already 4-0 down to visitors Woolwell I, who won the first two sets played for an early finish and a 6-0 victory. Woolwell D failed to appear at Woolwell M who were awarded the tie.
The following teams were awarded walkovers: Astor C v Woolwell F; Woolwell R v Astor B; University A v Universtity B; Woodland Fort G v Crafthole A; Siblyback v I City B.
TENNIS LEAGUE by David Williams
AFTER weeks of heavy rain it was the cold weather producing icy courts that was the latest hazard for players.
In the ladies' Division A, Luisa Waring and Lyn Helliwell continued their unbeaten run when despite a second set switch off they defeated Esther Pettit and Anna Tickle 6-2; 5-6; 6-0. Also experiencing a second set struggle were Linda Trebilcock and Alison Diver in their 6-3; 6-5; 6-0 win over Pat Hexter and Nikki Aitken. Earlier Hexter and Aitken just edged a long and close match against Viv Sargeant and Nancy O'Connor 6-5; 6-5; 4-6. With O'Connor injured, Sargeant brought in Tania Belcher as sub and the pair combined well to defeat Janet Butler and Linda Haston 6-3; 6-5; 6-4. With Sue Peers-Jones also on the injured list, Joy Pellow had fellow Plympton club member Lisa Light as a sub, and the pair had a straight sets win over Sargeant and Belcher 6-4; 6-2; 6-3. Butler and Haston secured only their second win by beating Ann Short and sub Fiona Spreadbury 6-4; 6-5; 6-2. In Division B, the time limit brought an end to the match between Jean Humphries and Lynne Macfarlane against Jane Poon and Jane Trahair with the score at 6-3; 5-6; 4-5. Jean Smith and Liz Gill made it five wins out of five by bringing two matches forward, including one from next March 2013, in beating Michele Pooley and Suzudo Reed 6-1; 6-1; 6-2 and Linda Galpin and Libby Allman 6-4; 6-2; 6-4.
In the mixed doubles, Dudley Tolkien and Janet Butler achieved a first success at the fifth attempt, but did it the hard way. They trailed 0-4 in the first set and 2-4 in the second set before winning 6-4; 6-5; 4-6 against Howard and Lyn Helliwell.
Steve Randall and Harry Bird put in their best performance to date, but were narrowly beaten in the men's doubles Division A, 6-5; 4-6; 6-5 by Ashley Reburn and Sam Arkle. With Phil Ruse unavailable, Luke Wakley came in to partner Phil Harbottle in a 6-4; 6-3; 6-5 victory over Andrew Leigh and Phil Whitby. Perry Bailey and Colin Beresford-Jones were on court for only the second time in Division B and suffered a 6-5; 4-6; 6-3 defeat by Declan O'Connell and Yuen Siu. Patrick Poon and John Jacobs managed a win within the time limit in defeating Chris Shorter and Phil Ticehurst 6-3; 3-6; 6-2. Ron Cole and Rob Thomas may have been rusty after a long playing gap but did enough to just get the better of Jon Shackel and Pete Ireland 6-4; 6-5; 5-6. All the three Division C leading pairs had comfortable wins with each conceding just four games. Peter Bradley and Matt Smith beat Martin Whitmill and Tim Wakeham 6-4 ; 6-0 ; 6-0, Matt Harris and Matt Adams beat Gary Eato and Mike Foote 6-1; 6-3; 6-0 and Mike Madden and Jason Holland defeated Dave Graham and Lester Ellicott 6-0; 6-4; 6-0.
Results. Men's Doubles: J Mulley/J Stewart beat D Nock/C Janes 6-2, 6-1, 4-6
Mixed Doubles: R Palmer/N Aitken beat M Wolstoncroft/M Smith 6-0, 6-0, 6-2; S Dusting/H Odam beat Y Siu/J Memery 6-4, 6-1, 6-1


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Excel tutorials that use real-world examples to teach the core features and tools in Excel 2010.
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SAN JOSE, Calif.— As a chorus singer for 10 years and early childhood music teacher, listening to the Shen Yun Performing Arts vocalists was an enlightening experience for Ms. MaryAnna Alderete.
"The energy inside of my body is just moving more freely," Ms. Alderete said after the performance at the San Jose Center for the Performing Arts on Jan. 4.
The New York-based company's mission is to revive 5,000 years of the divinely inspired traditional Chinese culture through art forms like bel canto style solo vocalists, an orchestra with a unique blend of east and west, and classical Chinese dance.
"The sopranos—I can feel them in my being—I'm vibrating; this energy is just moving through me … just absolutely gorgeous," Ms. Alderete said. "And the tenor was so strong."
"It was just a real pleasure to listen to them, and the music is gorgeous," Ms. Alderete said.
The pieces sung are all original, written in Chinese with English and Chinese lyrics projected onto the digital backdrop, and piano accompaniment. The lyrics are "brimming with philosophical reflection about human life and deep layers of meaning, they traverse the boundaries of nation, race, and culture, and have been fondly received and appreciated the world over," says Shen Yun's website.
Ms. Alderete enjoyed the classical Chinese dance and artistry of the production. "Absolutely beautiful, the elegance the grace the colors the dance."
Shen Yun's costumes are custom designed for each dance, accurately depicting traditional dress from the different dynasties and regions of China presented on stage. Many of the dances tell stories, with traditional Chinese values and themes like good versus evil, benevolence and justice, and divine retribution.
"It was just beautiful," Ms. Alderete said. "The beauty of knowing too that the light does prevail over the darkness, and the divine is always there no matter what."
"It was a beautiful experience, and I'm definitely going to share it with people, and encourage people to come," Ms. Alderete said. "I'll be back next year, knowing that each year is different."
Reporting by Lily Yu and Catherine Yang.
New York-based Shen Yun Performing Arts has three touring companies that perform simultaneously around the world. For more information, visit ShenYunPerformingArts.org
The Epoch Times publishes in 35 countries and in 20 languages. Subscribe to our e-newsletter.


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All fields are mandatory
Highlights for Q3 include the following:
Commenting on the results, Director, Moser Baer India,
said: "There are many positives for us this quarter. Market dynamics and the
environment in which the optical media business has been operating have improved
significantly with input prices softening. We will continue to reap the benefit
of the fall in prices of commodity-based raw materials and fuel in the next
couple of quarters. With high definition drive prices falling, our focus on the
blu-ray technology is starting to pay off. However, we need to watch the
emerging global economic environment globally."
Yogesh Mathur, Group Chief Financial Officer, said: "It's been a stable
quarter for Moser Baer. The reduction in inventory build-up is a good sign,
while capex remains judicious and that is likely to remain the trend going
forward. While the global meltdown has impacted solar markets worldwide, key
industry variables continue to be strong. Global energy demand is rising and
solar costs are expected to start achieving grid parity in the next couple of
Optical MediaFollowing are Q3 Highlights:
Solar photovoltaicThe third quarter of the year threw up
challenges for the photovoltaic business:
EntertainmentMoser Baer's entertainment business added and
released premium content after signing an exclusive home video licensing
agreement with UTV Motion Pictures, gaining all domestic home video rights,
including rental rights, to 25 premium UTV films. Some premium films MBEL
released during the quarter include: A Wednesday, Mumbai Meri Jaan, Welcome to
Sajjanpur, Fashion and Kismat Konnection. The deepening of MBEL's distribution
network was another highlight of the quarter. The business also launched Super
DVDs—products with multiple films on one disc—to further expand volumes and give
customers a legitimate and good quality product.
About the CompanyMoser Baer, headquartered in New Delhi, is a
leading global technology company. Established in 1983, the company successfully
developed cutting edge technologies to become the world's second largest
manufacturer of Optical Storage media like CDs and DVDs. The company also
emerged as the first to market the next-generation of storage formats like
Blu-ray Discs and HD DVD. Recently, the company has transformed itself from a
single business into a multi-technology organisation, diversifying into exciting
areas of Solar Energy, Home Entertainment and IT Peripherals & Consumer
Moser Baer has over 8,500 full-time employees and multiple manufacturing
facilities in the suburbs of New Delhi.
Website: www.moserbaer.com
For further information, contactMonica SrivastavaCorporate
Voice, Weber ShandwickMobile: +91-11-40501240 | +91-9899045863Email: email@example.com
Moser Baer's Unaudited Standalone Financial Results for the quarter
endedDecember 31, 2008
(Rs. in lacs)
Quarter ended
Year to date figures for the
Previous AccountingYear ended 31.03.2008
Current Periodended
Previous Periodended
The company is primarily in the business of manufacture and
sale of Optical Storage Media. The other activities of the company comprise
creation/ replication and distribution of content, sales of consumer electronic
products and operation and maintenance of sector specific Special Economic Zone
for nonconventional energy. The segment revenues, results and assets of the
other activities do not constitute reportable segments under AS-17 and
accordingly no disclosure is required.
There were no outstanding complaints from the shareholders at
the beginning of the quarter and all the 18 complaints received from the
shareholders during the quarter have been replied to satisfactorily.
The company, on 3rd January 2009, received an order from the
Income Tax Department for AY 2005-06, raising a demand of Rs. 521.41 Millions
mainly on account of transfer pricing adjustments. As per the opinion received
from the company's counsel the adjustments are not sustainable, both on facts
and merit and accordingly no provision is necessary. The Company is proceeding
with the requisite rectification and appeal and does not anticipate any cash out
The Company is awaiting receipt of all required consents and
approvals to enable it to transfer its existing Home Entertainment business to
its subsidiary Moser Baer Entertainment Limited (MBEL) by executing the
requisite business transfer agreement. Till such time, MBEL has been appointed
as a super distributor of the Company.
Figures of the previous period/ year have been regrouped and
rearranged wherever necessary.
The above results were reviewed by the Audit Committee and
approved by the Board of Directors at their meeting held on January 30, 2009.
Limited Review: The Limited review by the Statutory Auditors
for the quarter as required under clause 41 of the Listing Agreement has been
completed and the related report is being forwarded to the Stock Exchanges. The
report does not have any impact on the above Results and Notes which need to be
For and on behalf of the Board of Directors
of Moser Baer India Limited
More press releases in
January, 2009


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Please Note
Some news stories may require you to register or sign in. MedPage, for example, has an easy and free subscription form that only needs to be completed once--well worth the effort to access their timely and important articles.
Headline News
Click on title to read the full article.
Guarded optimism on new breast cancer drug (CDK 4/6 Inhibitors and ER+ disease)
April 6, 2014
By Andrew Pollack, NY Times
SAN DIEGO — Researchers say that a new type of drug can help prevent advanced breast cancer from worsening, potentially providing an important new treatment option for women and a blockbuster product for Pfizer.
In a clinical trial, the drug cut in half the risk that cancer would worsen, or progress, researchers said here on Sunday. The median time before the disease progressed or the women died was 20.2 months for those who received the drug, compared with 10.2 months for the control group.
Ludwig researchers to give plenary talks on immunotherapy (CD47) at 2014 AACR Annual Meeting
April 6, 2014
By Ludwig Cancer Research press release
April 6, 2014, San Diego, Calif. - Ludwig researchers Irving Weissman and Jedd Wolchok will each give a talk during tomorrow's plenary session of the AACR Annual Meeting 2014, starting at 8:45 am PT. The session, dedicated to one of the most promising and rapidly advancing areas of cancer research and therapy, is titled Targeted Immunotherapy: Mobilizing the Immune System against Cancer.
Weissman, who directs the Ludwig Center at Stanford, will speak about his team's characterization of a cell-surface protein that is found on almost every major kind of cancer cell and their work describing its role in protecting malignant tissue. They have shown that cancer cells use this protein, CD47, to transmit a "don't eat me" signal to patrolling immune cells known as macrophages, which would otherwise kill and ingest them to initiate a devastating immune attack on tumors.
ASCO Special Article in JCO Encourages Researchers, Industry to Achieve More Meaningful Results
March 20, 2014
By ASCO.org
ASCO is urging cancer researchers, clinical trial sponsors, and drug developers to employ clinical trial designs that aim to significantly extend the lives of people with cancer.
In a Special Article published today in the Journal of Clinical Oncology, ASCO outlines overall survival goals for cancer clinical trials in several diseases that researchers should aim for—and patients should expect. The recommendations, developed by the ASCO Cancer Research Committee working with other experts and cancer patient advocates, provide examples of "clinically meaningful outcomes" in four types of cancer: advanced pancreatic, lung, breast, and colon cancers.
Emerging Trends in Treating Her2+ Metastatic Breast Cancer
March 8, 2014
By Onc Live: Dr. Kimberly Blackwell
Since its approval in 1998 to treat metastatic breast cancer, the anti-HER2 monoclonal antibody trastuzumab has dramatically expanded life expectancy and improved quality of life for women diagnosed with HER2-positive disease. It remains the standard-of-care, first-line treatment for metastatic breast cancer. In less than a decade, the FDA has added three new drugs to the arsenal to treat advanced HER2-positive disease, while a growing number of clinical studies are evaluating dual-agent approaches to therapy through a variety of drug combinations. - See more at: http://www.onclive.com/conference-coverage/mbcc-2014/Blackwell-Explores-Emerging-Trends-in-Treating-HER2-Metastatic-BC#sthash.bEsUvLip.dpuf
Genes, Drugs & Breast Cancer : Dr. Matthew Ellis at TEDxStLouis
January 17, 2014
By TED talk: Dr. Matthew Ellis
Dr. Matthew Ellis of the Siteman Cancer Center shares recent advances in the on-going fight against breast cancer including PDX modeling in this TED talk.
Twitter Responds: Reactions to Patients Tweeting about Their Cancer
January 14, 2014
By ASCO ConnectionL Dr. Don Dizon
On one afternoon last week, I sat at my desk working on a paper when my iPhone buzzed, telling me I had a new message. This message, forwarded from my Twitter account, alerted me to an editorial published in the Guardian (which has since been removed because it was "inconsistent with the Guardian editorial code). Entitled "Forget funeral selfies. What are the ethics of tweeting a terminal illness?," it was written by Emma Keller and used the tweets of Lisa Bonchek Adams (@AdamsLisa), a woman living with metastatic breast cancer, who has been actively engaged on social media (even before her diagnosis of metastatic disease), including writing her own blog and tweeting actively. She has been hospitalized and has blogged and tweeted about her experience as an inpatient.
MBCN responds: Bill Keller's Misguided NYTimes Op-Ed piece
January 13, 2014
By MBCNbuzz blog
Bill Keller's op-ed piece on "Heroic Measures" (January 12, 2014) contains egregious factual errors. It also misrepresents what metastatic breast cancer is and how it is treated.
January 9, 2014
By Cure Today Guest Blogger
Do whatever it takes to keep going.
And that includes ignoring guilt about not being the perfect parent and nasty looks from people who think such a creature exists. As a wife and mom living with cancer, I have started applying the whatever it takes theory to other areas of my life as well. While a "normal person" might say he/she has a lot on their plate, some of us have plates the size of a turkey platter. My day to day can be pretty heavy, so I give myself a pass on the little things like laundry to fold or dishes to wash.
Tackling a Racial Gap in Breast Cancer Survival
December 20, 2013
By Tara Pope-Parker, New York Times
MEMPHIS — After her doctor told her two months ago that she had breast cancer, Debrah Reid, a 58-year-old dance teacher, drove straight to a funeral home. She began planning a burial with the funeral director and his wife, even requesting a pink coffin.
Sensing something was amiss, the funeral director, Edmund Ford, paused. "Who is this for?" he asked. Ms. Reid replied quietly, "It's for me."
Dasatinib Added to Aromatase Inhibitor Extends PFS in HER2-Negative MBC - See more at: http://www.onclive.com/conference-coverag
December 18, 2013
By Onc Live
- See more at: http://www.onclive.com/conference-coverage/sabcs-2013/Dasatinib-Added-to-Aromatase-Inhibitor-Extends-PFS-in-HER2-Negative-MBC?utm_source=Informz&utm_medium=OncLive&utm_campaign=SABCS%20(Faslodex)%2012-13-13#sthash.wZLyUTRF.dpuf
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Crave You on MusicBrainz
Flight Facilities on Last.fm
Forget the secret identities and fabricated back stories, Flight Facilities are an Australian based production duo who combine the blissed out pop production of Quincy Jones, the dancefloor hedonism of Daft Punk and the intoxicating head rush of the best night of your life. After first emerging last year with sultry Summer reworkings of Bag Raiders' "Turbo Love", The Lowbrows' "Dream In The Desert", Toecutter's "Best Party Ever", The C90s "Shine a Light" and the duo truly came into their own when, at the behest of dance imprint Bang Gang 12s, they produced an original of their own.
Read more about Flight Facilities on Last.fm.
Giselle on Last.fm
24 year old singer and producer, Giselle Rosselli, was born and raised in Sydney. Stemming from a classical background in piano and an obsession for exotic instruments, her style has developed into a collage of electronic, folk and dream pop. Her use of layering and looped effects allow Giselle to create electronic worlds from cut up organic sounds that home her smooth, almost child-like vocals. On top of releasing her debut album in 2011, Giselle is known for her role in writing and performing vocals in the popular dance track "Crave You" with Flight Facilities...
Read more about Giselle on Last.fm.
Also from this album:
Reality & Fantasy (Gilles Peterson remix),Prisoner's Song (extended original mix),Ma Benz,Voices (feat. Hindi Zarha),Back to the Wall,Chocolate Distance,Blackbird Song,Oddity (feat. Olivera Stanimirov - John Talbot remix),I Found You on Facebook,Lost It All,Perhaps, Perhaps, Perhaps,Party Time (The Lounge)
Official site


text:
Translation of collar in German:
- 4(on bolt, pipe, etc.) Bund, der
transitive verb
- 1 (seize)am Kragen kriegen [colloquial]schnappen [colloquial]
- 2 [colloquial] (appropriate)sich Dat. unter den Nagel reißen [slang]klemmen [slang]
Definition of collar in:
- British & World English dictionary
- US English dictionary
- English synonyms
- US English synonyms
- Spanish dictionary
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This property allows you to book online with a credit card. After submitting a reservation request, the owner or manager has 24 hours to accept, at which time your card will be charged and you will receive an email confirmation
Recent Lanai reviews
"Great home base for seeing all Lanai has to offer."Guest: pjr Date of Stay: February 2015 Review Submitted: February 25, 2015View listing
"Considering the age of the plantation house, the property was in fair condition. The owner was very cooperative and accommodating; we were able to rent a jeep at a very reasonable price, and it was an easy walk to town. The locals were friendly and helpful - all in all, it was a very 'authentic' Hawaiian experience."Guest: dlbutton Date of Stay: August 2014 Review Submitted: October 5, 2014View listing
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