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This has been the worst best season ever.
So many great things this season. Another undefeated OOC schedule. 17-1 in the Big East, win the league by 3 games. Win 30 regular season games for the first time. Down or not, SU beat Uconn 3 times and Louisville twice. Finally beat Pitt. JB surpassed 2 coaching icons on the all-time wins list and won his 400th Big East game. Fantastic.
On the flipside, there was the Fine scandal. No matter the outcome, or no matter what you really believe happened, having to hear about it throughout the season and having this dark cloud hovering over the program put a taint on things, and it seemed like everything Syracuse was spun in a negative light. Still, the team managed to block all that out to the tune of 20-0 midway through the Big East schedule and spent 6 weeks as the #1 team in the country.
Then academic issue #1. Out of nowhere, Fab is gone temporarily (we think) right before Notre Dame, SU does not adapt very well with the change, and they lose. After that, they gritted out 2 tough wins without Fab; Fab comes back (we knew he would) and they blow out St. John's. Problem solved. All is well.
But all wasn't quite well. Starting with the Georgetown game, the drop-off in offense production began and then persisted after the game at Louisville. Part of it was all these teams trying to slow SU down and minimize SU's transition game, and part of it was SU missing a pretty substantial amount of good, open looks. This gave all those talking-head experts, like a certain "analyst" from ESPN who just loves SU, the opportunity to criticize SU's play.........it didn't matter that they won all of those games, they were flawed and unimpressive. That becomes perception. Yet, during this horrid stretch, SU won 11 games in a row, including those 5 wins over Uconn/Louisville. SU's play is not garnering any accolades, but they're still rolling along.
Then you get the latest breaking news from the Yahoo Investigative News Team (with your reporter in the field, Pat Forde, you know, the stylish one of the group) about failed drug tests. The story was a nice sensationalist piece about how morally corrupt SU is..........it compared SU to Baylor (although conveniently ignoring that whole murder/conspiracy thing and focusing on a few unreported failed drug tests). Kudos to them for managing to get this huge scoop over a year after SU self-reported this violation of its own policy that it is not even required to have. Nice work. This whole thing seems a bit overblown, but there's still the hint there's a possibility that wins from former seasons could be vacated, including the most important one. Yet this doesn't affect the current team, so let's move on......for now.
Okay, SU lost to Cincy. They came out flat and didn't guard the first 15 minutes of the game. If Cincy laid out a blueprint to beat SU, it's to start the game 8-10 from 3. That seems like a good gameplan. SU did fight their way back into the game and could have won it if not for those crucial missed FTs down stretch, but lost on the last possession by 3. Not the end of the world. They won a game in the Big East Tournament, came out of it healthy, secured the #1 seed in the East, and, well, 31-2.
Now here we are. 2 days before the NCAA tournament, academic issue #2 for Fab, and this time he's gone for good. What???? Really???!? Despite all the turmoil that surrounded this program, SU had the best regular season in school history and was primed for a championship run. And now.......this. Yes, SU played without Fab before, but everyone seemed to know it was just temporary, and they played in a hold-the-fort-down mode until Fab inevitably returned. Now he's not coming back.
The Syracuse team we see in the NCAA tournament will be a completely different team than we've watched all season. It'll be very interesting to see how SU adjusts on both ends and what type of style they play. And they do still have the games to play. They haven't been eliminated yet. If this team plays to it's strengths, uses its depth, and (God forbid) can make open jump shots like they did during the OOC schedule, they can still make some noise in this tournament. Is it possible they could still win the championship? Well, anything is possible, even though the degree of likelihood dropped somewhat significantly for SU with this latest news.
Regardless, I know I still want to watch and see what they can do. SU accomplished a lot on the court this season......all in the midst of terrible circumstances and off-court drama. Let's see if they can overcome one more obstacle (albeit a missing one for SU) and just maybe surprise a few people.
It sure is great and terrible to be an SU fan, isn't it?
Wrong. The Fine's were not JB's neighbor when this alledged activity was supposed to have occurred. The comment about JB's wife makes no sense either, since the crap Davis is talking about was 1993, and JB didn't even meet Juli until 1994. Try harder.
Here's Tomaselli's latest interview. Probably his most "credible" account to date. Enjoy!
Reading through Brent's recaps and quotes from JB's post game presser, if JB told Huggins "WV should've won the game", it sounds like JB was alluding to the fact that Kris Joseph inexplicably lost the ball out of bounds with 6.5 seconds to go, which gave WV another chance to, in effect, win the game.
Let's remember, the goaltend does not win the game for WV. It gives SU the ball with 10 seconds left in a tie game with 2 timeouts, and a chance for SU to win. Wost case for SU is overtime. I love hearing all the "West Virginia would have won if not for the bad call" whining going on on these sports media outlets (cry me a river there, Digger). Actually no, the correct goaltend call does not guarantee anything for WV, other than maybe extending the game. But that's okay, bring on all the "SU only won because" commentary going on out there.....it's typical. And people wonder why SU fans are such a sensitive bunch.
Go 'Cuse!
"I'm not a habitual liar". The most appropriate lie.
Is anybody really buying this? It's the same old story, with nicely inserted comments to garner sympathy and further vilify Fine and JB with suggestive and pointed statements:
Bernie is not only a child molester, he's a cult leader too (wonder how you came up with that one, Bobby).
He felt like "he owed him"...........by taking him to hotels (um......okay? Gotta reinforce he was in hotels with Bernie, I guess).
"I saw Boeheim make halftime speeches"..........which immediately translates into "he's seen me everywhere". Nice stretch.
For a guy that's a "private person" and justs wants to be left alone, can this guy go a single day without doing an interview? He's sure getting an awful camera time these days. Nice effort on "his" part to make sure he's dressing a whole lot better since the first Allred press conference, too. Gotta be lookin' good if you're gonna be spending all this time on TV, right?
I have no idea if Fine is guilty or innocent, but it seems pretty clear that Davis' pure motivation for all this has nothing to do with the truth or raising awareness. It's pretty clear what this is all about.
What leads you to that conclusion? Heard of any hot tips called in to the Bernie Fine hotline lately?
The DA did a nice job of sidestepping the question I asked, which was in relation to Lang's credibility. He pretty much ignored what I had to say about Lang, and stated that "Bobby Davis' story was consistent and blah blah blah, which is completely not what I asked. The only thing he said in relation to Lang was that there "are bound to be inconsistencies since the alledged events occurred so long ago". Ok, but stating you were molested for a couple years when you were in middle school (which Lang told ESPN) vs. being molested for a 10 year period until you were 26 (which Lang told CNN) are pretty huge discrepancies that are kind of hard to just get lost in the shuffle, and are clearly not part of the same, longer story when the information conflicts like that. That's just not good enough, Mr. Fitzpatrick.
Wow, what an amazingly fantastic PR spin by the great DA! He says would try to prosecute Fine if the statute of limitations weren't up, but he'll never actually have to prove that's what he would do, will he? Convenient. And the tape, which Fitzpatrick all but alluded to as a smoking gun, doesn't prove anything.......it proves Davis slept with the missus and there was something shady going on with Bernie as well, but nothing was stated that anything occurred while Davis was underage. Something was going on there, but we'll never really know what. Also, I find it completely laughable that Fitz stated that Lang was credible, considering the guy told 2 completely different stories to ESPN and CNN during his interviews. But well done, Mr. Fitzpatrick.......you made sure to let everyone know that it is YOU that is the good guy here..........even though you'll never actually have to back up any of your statements. A fine politician you must be.
I find it interesting that there has been no follow up articles by the media (anywhere) commenting on the fact that Mike Lang told two completely different accounts of what alledgedly happened to him to ESPN and CNN. He told ESPN first that this happened in 1976-1977 when he was in 5th or 6th grade, and happened 15-20 times. Then he told CNN the abuse started in 1982, happened 30-40 times, continued over a 10 year period (until he was 26), and Fine's "wife" was just doing "her thing" around the house, even though the Fine's didn't weren't married until 1985. I understand maybe the media doesn't want to be perceived as attacking alledged victims (as was the case with JB), but those are some pretty huge inconsistencies that are worth pointing out. If JB can be attacked for this without knowing all the facts, there's no reason why Lang's changing stories can't be addressed as well. After all, we are after the truth of the matter here, right?
While there are some valid points in the article, our esteemed district attorney really needs to shut up. Enough with the granstanding already! He finds it "unusual" that SU didn't know about the tape and didn't understand why SU didn't ask Davis about it. Um, the university has already stated that they were unaware of the existence of the tape, so why would they ask about something that they had no idea existed? Sound logic there, Mr. Fitzpatrick. It seems as though Fitzpatrick consulted Mike Nifong on how to handle such a case as this, because he is making a fool of himself. His vendetta against the Syr PD has clearly clouded his judgment.
Lang told ESPN that he was abused in the 1970s starting when he was in 5th or 6th grade, and it happened 15-20 times. Lang them told CNN he was abused starting in 1982 20-40 times for 10 years. So the abuse he reported to ESPN actually stopped before the abuse started in the timeline he laid out for CNN. Wow. What's next, going on MSNBC and stating Fine started abusing him in 2002 and he is still being abused, probably a bazillion times this time? Mr. Lang might want to get his story straight.
Wait wait wait. Didn't Lang say Fine first "touched him" beginning in the 70s, now it's 1982? How old was he in 1982? 16? 17? The inconsistencies just keep flying out. I have no idea what to believe anymore.
Doug Gottlieb did comment on this on his radio show this afternoon. He agreed with the chancellor's decision to back JB.
I'm no expert in audio recording analysis either, but I can understand what the Nephew is saying. There are moments where there does seem to be the briefest of chop, and Laurie Fine's voice does seem WAY too casual in relation to the topics being discussed. But we'll have to wait and see what the analysis shows. Hopefully we'll know either way at that point.
I'll take it. SU was atrocious on the offensive end for 34 minutes, but it was nice to see them pull themselves together and come up with a hard fought victory. Give credit to Stanford.......they were by far and away the more aggressive and physical team for the majority of the game. It was a good early season test for SU, because the way Stanford played, well, they played like a Big East team. And in the end, SU was still able to pull out the win. I will say that Stanford kind of mismanaged their timeouts in the 2nd half, which I think really benefitted SU's press. But regardless, Stanford didn't back down, and SU made the plays on both ends when it counted. Overall, it was a victorious yet frustrating preseason NIT. SU has one more game to work out some of the kinks before the real non-conference litmus test. But it's still early, and I feel the sky is still the limit for this team. Let's go Orange!
Another thing about the second "victim". During his interview on Mike & Mike the morning after the story broke, Mark Schwarz really went out of his way to potray the 2 accusers as essentially mutually exclusive from one another. He stated that although Davis and Lang are related, they really had no contact with one another, never talked, had nothing to do with one another, etc. etc. He really made a point of emphasizing this, as he stated it 5 or 6 different times with different phrasing. So according to Schwarz, Davis and Lang are basically strangers who happened to make the same claim. Riiiiight. Shameless........completely shameless.
This may be the first time I've ever agreed with something Jason Whitlock has written. Ever. But he's exactly right. This cannot be the standard, even if the allegations are true. If they are true it of course does not excuse what Fine is alledged to have done, and he should pay for it. But the way Schwarz and ESPN went about this is borderline criminal, just throwing out allegations and then Schwarz talking about them as if they were fact. Gotta protect the sensationalized story after all, truth, evidence and facts be damned. What's next ESPN? Launching a new show ala the sports version of To Catch a Predator where they lure unsuspecting assistant coaches to the homes of young boys to catch them in the act? At least there they'd have actual evidence before smearing people's names and ruining people's lives.
Interesting how Marinatto states that the schools are committed to the Big East, yet UConn did not have representation at this meeting and are still actively pursuing membership in the ACC. This guy is a joke.
As for UConn, I'll go on record and say that I despise them more than any other program out there. That said, now that SU is officially gone, I would love for them to follow SU and Pitt to the ACC. It sucks to lose the long time rivalries with Gtown, Nova, and St. Johns, but to to change conferences and keep the Uconn and Pitt rivalries going (admittedly, SU hasn't been much of rival to Pitt in the last 5 years) would be great.
Grab Uconn and one more team, split the ACC into two 8-team divisions, and you'd have SU in the ACC-North with UConn, Pitt, BC, Maryland, Virginia, Va Tech, and Team X. That wouldn't be so bad.
I'm gonna miss the Big East and all the excitement SU playing in it brought to my winters, but right now it's a rudderless ship.
Wow. That was like a practice game. But it was a great way to end the season, and a fantastic send off for Ricky. It was great to see. The way SU has been playing offensively it would've been disappointing to see a 64-51 type win. They came out rolling today, and it was especially nice to see Kris Joseph playing more aggressively in the 2nd half. SU needs him to play that way to be successful. So, 25-6, and 4th place in the Big East. Not too bad. Remember when the sky was falling? The double bye is nice too, especially the way Seton Hall is shooting the 3 these past couple of games (they're currently smoking Marquette). Oh well, let's head to NY and see if we can't snag a Big East tourny title. Go SU!!!!


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Home-like birthing rooms are intended to encourage domesticity and naturalness
of birth while limiting use of medical interventions.
Key messages
Home-like birth settings are associated with reduced medical interventions
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Legendary investor Warren Buffett advises to be fearful when others are greedy, and be greedy when others are fearful. One way we can try to measure the level of fear in a given stock is through a technical analysis indicator called the Relative Strength Index, or RSI, which measures momentum on a scale of zero to 100. A stock is considered to be oversold if the RSI reading falls below 30.
In trading on Wednesday, shares of NIC NIC Inc. (NASD: EGOV) entered into oversold territory, hitting an RSI reading of 29.5, after changing hands as low as $16.13 per share. By comparison, the current RSI reading of the S&P 500 ETF (SPY) is 56.2. A bullish investor could look at EGOV's 29.5 RSI reading today as a sign that the recent heavy selling is in the process of exhausting itself, and begin to look for entry point opportunities on the buy side. The chart below shows the one year performance of EGOV shares:
NIC Inc. 1 Year Performance Chart" />
Looking at the chart above, EGOV's low point in its 52 week range is $10.51 per share, with $19.35 as the 52 week high point — that compares with a last trade of $16.38. Find out what 9 other oversold stocks you need to know about »
According to the ETF Finder at ETF Channel, EGOV makes up 1.01% of the S&P SmallCap Information Technology Portfolio ETF (NASD: PSCT)which is trading higher by about 0.2% on the day Wednesday.
See what other ETFs contain EGOV »
See what other stocks are held by PSCT »
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Students who take the 36 Hour Program, including the Public Culture and History track, must complete two research papers in elective courses with different instructors. Students must have taken a minimum of 4 courses (two of which must be ANE 600 and ANE 610) before beginning work on the research paper requirement. In addition, students must have the instructor's permission.
A research paper will usually be completed in place of, not in addition to, other papers that may be required in a course. A research paper should be 20 to 25 pages long; it must be based on primary sources and it must be interdisciplinary in scope. The research paper must receive a grade of "B" or better to be accepted.
Early in the semester students should meet with the instructor to discuss proposed topics and set up a plan for submission of an outline and/or draft of the paper. The research paper should be completed during the semester the student takes the course.
A clean copy of the paper, together with a research paper approval form signed by the faculty member accepting the paper for research credit, must be submitted to the ANES office for inclusion in the student's file.
Exceptions to this policy must be approved by the ANES Curriculum Committee.


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Executive Summary
The investor due diligence process has evolved with the growth of the hedge fund industry. What was once a short and rather perfunctory process has grown into one which today is highly quantitative and detailed. While there is no one-size-fits-all formula for investors, one certainty is that managers who understand the components of the due diligence process will have an easier time meeting the requests of investors.
This paper, based on numerous conversations with investors, seeks to identify and describe the components of a professional due diligence process-from simple annual return figures to detailed attribution analysis. The end goal is to provide a basic roadmap that can help fund managers understand the depth and breadth of this process and ultimately to help them achieve their fundraising goals.
Prior to the institutionalization of hedge fund investing, investment decisions and allocations were largely made on the basis of performance numbers and the qualitative aspects of a fund: people, process, and philosophy. Over the past decade, the needs of professional fund investors have resulted in the evolution of the investor due diligence process. Today, this process has expanded to encompass both qualitative and quantitative aspects of a fund and its performance. In order to successfully raise capital, managers must be able to articulately convey their value proposition, the components of their performance, and the risks they take to achieve that performance.
This white paper represents an effort to describe the investor due diligence process, with a specific focus on the quantitative performance metrics. We have conducted dozens of interviews with fund of funds and direct investors in hedge funds in order to articulate the process as described by the professional fund investor. We found that the process has become very data driven and time intensive, requiring greater transparency and granularity than ever before.
It is not our intention to present an introduction to hedge fund statistics and reporting, but rather to write a white paper that helps managers better position their funds in a competitive capital-raising environment.
Moving through the due diligence process — from qualitative to quantitative
Prior to selecting an investment target, hedge fund investors first determine the investment strategy to which they will be allocating capital. Strategies include:
- Equity fundamental value, fundamental growth, and market neutral
- Event-driven funds
- Global macro-oriented products
- Relative value strategies, including fixed income
After generating a manager list within the strategy subset, the natural entry point for an analysis of a fund is a qualitative look at its people, process, and philosophy. These elements comprise the backbone of all funds and are the source of their performance.
- People: This is typically the most important and decisive element of the due diligence process. Investors want to know who the decision makers are at a fund and where they received their training. A hedge fund manager's experience and pedigree is important in establishing him or her as an expert. While not necessary, working at a recognized firm with a proven ability to generate Alpha lends credibility to their training. This may lead to a shorter due diligence process as it makes it easier for investors to check references. Investors will speak to previous employers and colleagues to determine a manager's exact role and specific contribution to performance.
- Process: Investors want to know that a manager has a proven process in place from idea generation, through research and portfolio construction, to risk management. Managers must be able to articulate their process in a concise manner to convey to investors that a fund's performance is consistent and repeatable.
- Philosophy: A fund's philosophy is what differentiates it from the competition. In order to effectively communicate a fund's philosophy, a manager should focus internally on the aspects critical to their investing process. Investors want to understand where managers allocate the majority of their time and where they have true expertise.
These three main qualitative factors build a framework for a fund and are the first of a multi-step due diligence process. If a manager fails to meet an investor's standard on the qualitative front, then that manager will not have the opportunity to move forward in the due diligence process. That being said, qualitative analysis alone is not enough to form a complete picture or to ensure an allocation. As one investor explained, "Any manager can tell a good story; due diligence is the process to make sure the story makes sense and that the numbers support it."
Demystifying the elements of a fund's performance
Performance is the result of a fund's people, process, and philosophy. A fund's net performance number, however, is only the first step of the quantitative portion of the due diligence process. Investors will also want to understand what risks were taken along the way and where the money was made to determine if performance was a result of the process.
After a full review of returns and risk, an investor will take a deeper look at the numbers to understand the factors behind performance generation. The most common method, absolute attribution analysis, will answer questions regarding active versus passive investing and determine whether returns fall inside a manager's stated strategy and where managers are risking investor capital.
An investor conducting quantitative due diligence is similar to a painter painting a picture. With each layer of paint that is added to the canvas, the image begins to take shape and become clearer. Similar to a painting, hedge fund due diligence should be thought of in terms of overlays, with each overlay providing additional clarity to an investor's understanding of a fund and its returns. Once all of the overlays are in place, they provide the investor with a complete picture of the hedge fund manager.
For the purposes of this white paper, we have identified three overlays that comprise the quantitative due diligence process:
- First overlay: Performance
- Second overlay: Risk
- Third overlay: Attribution Analysis
Overlay 1: Performance
Performance data provides a static snapshot of a fund's returns and is often the first question on any potential investor's mind. Historical data is used by investors to predict the future returns of the fund's strategy. While past performance is not indicative of future results, it is one of the best tools that the investor has to evaluate the manager. Performance should be presented in a number of ways because the period in which investors are interested can vary.
Total return since inception, also called cumulative return, is used to calculate the compounded returns since the formation of the fund. Most funds will present this information visually and prominently.
The 12-month rolling return reports how the fund has performed in the prior 12 months or most recent year- long period. It is also a cumulative number like the total return discussed previously, and neatly frames the more recent data for the investor to review.
Finally, the average monthly return is presented. Averages are simple to understand and set a month-to- month return expectation.
As a picture is worth a thousand words, the charts below represent the return figures discussed above. The charts show cumulative as well as periodic returns allowing the investor to get a full picture of the fund's returns over time. It is critical to maintain daily return data with the ability to customize the periods in order to meet investor requests for specific performance history.
Returns, however, cannot be viewed in isolation. Investors still need to understand how a fund's total returns compare to the broader market, other managers, or a passive benchmark. The last component of performance analysis is comparing a manager's returns to the appropriate benchmarks, as shown on the previous page. This enables an investor to understand if the manager's net returns have performed better or worse than the alternatives. Simply outperforming a benchmark is not enough to command an investment, as total return alone does not paint a complete picture of the manager. Investors will want to know how much risk the manager employed to achieve those returns; which leads to an analysis of risk, the next step in the due diligence process.
Overlay 2: Risk
Understanding fund exposure is the first step to understanding risk. However, contrary to popular belief, exposure does not equal risk. Risk is only introduced through exposure to risky or volatile assets. As indicated in the graphic, exposures can vary significantly over time, so single point references often do not show the complete picture. Investors will want to know the portfolio's exposure over the period in which performance is being presented. While averages are useful, presenting the information in time series is preferred as it allows investors to view intra-month exposures and to check for style drift.
Exposure is traditionally presented by long/short and net/gross. For a truly complete picture, advanced analytics of delta-adjusted exposures and beta-adjusted exposures should be incorporated to give an initial view of the risk normalized to a single equity risk number and also to a relevant index for the Beta comparison. As shown below, a manager's delta-adjusted exposure can be significantly greater than their notional exposure. The data below shows an extreme example; however, any manager utilizing derivatives should include this analysis to form a complete picture of exposure.
After understanding notional and delta exposures, investors will want to break down the portfolio's composition. Composition, like exposure, is not synonymous with risk but rather a component of risk in the portfolio. Composition details where the investor committed or "risked" capital over a timeframe to achieve returns. A sophisticated investor will want to understand a time series of the portfolio's composition by asset class, sector, country, market capitalization, and other relevant criteria. One of the most difficult analyses for a multi-strategy manager, and conversely one of the most valuable to an investor, is to classify and report portfolio composition by strategy as shown below. Attribution, which is the composition of returns, is discussed later in this paper.
Next, investors will want more information about how much risk a manager is taking in the portfolio to achieve his returns. As with the performance presentation, a visual representation of the data is an ideal way to start. In the "Daily volatility of returns" chart below we demonstrate one way of visualizing risk using a histogram of return data generated by our system for a sample portfolio.
Risk represents the possibility that a portfolio will not achieve its desired results. This definition is critical because it frames risk from the perspective of the manager's strategy as certain strategies have more implicit risk than others. Like returns, risk should not be viewed in isolation and must be benchmarked to the market and to the strategy and taken in the context of the investor's goals in choosing a fund.
Standard deviation of returns is the most commonly used metric for risk. It is a statistical measurement of the volatility of a portfolio, and tells the investor how much variability there has been in the fund's returns. Standard deviation is also a historical measure that can provide insight into probable results. As shown in the graphic, the fund and the benchmark have the same average return, but the greater variation in the benchmark's return, as represented by the larger tails, results in a higher standard deviation and therefore greater risk. The higher the standard deviation, the greater the probability of the expected periodic returns deviating, in either direction, from the average or mean return. While the standard deviation does not imply direction, a higher standard deviation translates into greater potential for gains, losses, and risk.
Once the standard deviation of risk is calculated and graphed, the investor will want to directly compare the portfolio's returns and volatility using Sharpe and Sortino ratios. These industry standard formulas are used to determine the risk-adjusted performance of a portfolio. Sharpe and Sortino measure the amount of return that was generated per unit of risk, making it useful in comparing funds of different strategies. The ratios show whether a portfolio's return is due to good investment decisions or the result of excessive risk taking.
Since large positive returns will also cause an inflated standard deviation, the Sortino Ratio differentiates between good and bad volatility, providing a risk-adjusted measure of a fund's performance. As shown below, it does this without penalizing the fund for positive performance.
Simply stated, the higher the value of either ratio, the more return is generated per unit of risk. Therefore, a higher absolute return over the risk-free rate or a lower standard or downside deviation, will lead to a higher ratio. The ratios will show exactly what types of risks – good or bad – were taken to achieve that performance. By calculating these ratios, one might learn that a fund did not properly compensate the investor for risk or, worse, that the fund was simply levering market returns.
Drawdown analysis
Drawdown analysis is another way of assessing risk by measuring the valley between peaks of monthly performance. As with averages, drawdown analysis is simple to understand and compare across peers, and provides investors with a feel for risk over the life of the fund. Investors will want to know both the number of months down and months up since inception, the best month, the worst month, and most importantly the Max Drawdown. The Max Drawdown is the greatest observed amount of loss from equity high until a new equity high is reached. How much was the drawdown and what was the length of time to recovery? Drawdown analysis is useful for investors to understand how long they might need to wait for their capital to recover in the event of loss.
Many investors will also be interested in up and down capture ratios. These are a fund's cumulative return divided by the relevant index's cumulative return for up and down markets respectively. During up markets, the greater the value the better, whereas during down markets, the smaller the value the better. In an up market, a value over 100 would indicate that a manager has outperformed that index during the period. Simply stated, attractive managers perform better than the market when it is up and hold up better than the market when it is down. This metric is a simpler version of what we statistically analyze later in the regression analysis section.
Regression analysis
So far, this paper has looked at the components of risk in the portfolio alone. Similar to the performance discussion, the final step is to understand how the fund's risk levels compare to various benchmarks using regression statistics.
Regression analysis statistically compares the portfolio to a benchmark and yields metrics which help the investor better understand the manager's returns. Specifically, the regression model tells the investor how the portfolio will perform given a known market return. This allows the investor to verify that the fund has correctly categorized itself as part of a certain index or strategy and also understand if the fund fits within its overall investment objectives. The main components of regression analysis are Beta, Alpha, R-Squared, and Correlation. All the concepts work together to give the investor a perspective on the fund relative to the benchmark.
Below is a visual representation of regression. The data is plotted with portfolio and benchmark returns on the X and Y axis with each point corresponding to both observed returns at that point in time.
Beta is the most evident output of the plot; the steeper the line the higher the Beta. The Beta is used to predict what the portfolio return will be, given a known return in the benchmark. The steeper the line gets, the more the portfolio is predicted to move when the index moves. The line is therefore describing the portfolio's volatility. A Beta of one suggests a portfolio that equals fund/market volatility.
Next, we add in the Alpha. Alpha is commonly thought of as return over the benchmark. This, however, is incorrect as it ignores the Beta or relative volatility to the market benchmark. Alpha, shown above, predicts what the portfolio will do if the index return is zero, meaning the amount of return not explained by market risk (Beta). A positive regression Alpha means the fund has outperformed compared to the benchmark, whereas a negative regression Alpha means it has underperformed. In other words, Alpha measures the value a manager adds to or subtracts from a fund's performance relative to the market.
Adding in the R-Squared tells the investor how much of the variation in the portfolio's returns is explained by variation in the index. How well does the regression line fit the data? If the R-Squared is high, close to one, then it is a good fit regression line and the Alpha and Beta points are relevant. If the R-Squared is low, close to zero, then the Alpha and Beta are irrelevant because it is not a good regression line.
Finally, Correlation also measures the strength of the relationship and specifically the linear relationship between the index and the portfolio. The values range from -1 to 1. A value of 1 (-1) means that the two have a perfect (inverse) linear relationship. A 1% change in value for the portfolio would be observed with a 1% change in the index. For example, a fund that is long the basket which comprises the index exactly, would have a Correlation of 1, if it was short then the Correlation would be -1. Correlations are helpful for investors because they tell them if managers had tailwinds that led to their outperformance.
Overlay 3: Attribution analysis
The due diligence process starts by giving investors a snapshot of a fund's performance, while the second step is to analyze risk. The third is to show investors exactly from where managers are producing their returns. This leads us to a discussion about attribution. To have a complete picture it is necessary to conduct both absolute and relative attribution analysis.
Absolute attribution disaggregates the returns into their respective components. The traditional categories stop with attribution by long and short, but sophisticated investors may require the following categories:
- Attribution by sector
- Attribution by analyst or manager
- Attribution from stock selection
- Attribution by market capitalization
- Attribution by liquidity
Relative attribution is an industry-recognized method of analysis that helps a manager separate their returns into two categories: those created by the market compared to those resulting from active management. Investors want to see that it was the manager's decisions, as opposed to luck or leverage, which generated Alpha. In a popular attribution model, such as a Brinson-based model, total return is broken down into performance of the portfolio versus performance of the benchmark. It explains how the manager's asset allocation and stock selection decisions contributed to the excess performance or underperformance relative to the benchmark. Below is a sample attribution analysis:
The table above contains a great deal of information for the investor to evaluate. After identifying the components which comprised performance from the absolute attribution analysis, the investor can now see whether the returns were based on capital commitment to the categories identified (asset allocation above) or stock selection within each category. As with many metrics discussed, there is no perfect absolute attribution. The manager is using this as a tool to tell his story of where he put capital successfully and where he made superior asset selections within the portfolio.
The above tools are leveraged by managers to articulate their edge. They are also utilized by many managers retrospectively in evaluating their performance and that of their investments. Being able to demonstrate this effectively to investors will show a greater amount of control over the investment process and lead to enhanced investor confidence in the returns of the fund.
Absolute and relative attribution provide the final overlay of the due diligence process and show how the manager is adding value. This white paper has outlined a few of the more popular attribution techniques, but there are countless additional methods that we simply did not have the space to cover: outperformance adjusted by exposure, long/ short spread, attribution by largest winners and losers, and so on. As we previously mentioned, the focus of this paper was not to write an exhaustive statistical analysis, but rather to review the most widely used due diligence techniques.
Portfolio fit
The final step for investors will be to determine if, based upon their findings, an investment is warranted. Investors will look at the risk-adjusted return figures and run a correlation between the manager and the investor's existing portfolio. There are a whole host of good managers who do not receive allocations because they do not beat out the great managers already in the investor's portfolio. Today, it is not good enough to simply have positive performance; to be successful raising capital you must create a truly differentiated fund that consistently adds value.
The investment process is about trading risk for reward. The investor due diligence process, which once was simply an evaluation of a hedge fund manager's people, process, and philosophy, has matured in line with the hedge fund industry so that today, these qualitative aspects have become only the first step of the full due diligence process.
This paper began with a review of the traditional metrics used by investors and concluded with a discussion of more advanced due diligence analytics. In looking at historical performance data, managers can no longer just review total return since inception, but must also provide data for customized date ranges. In discussing correlations, can managers find a better benchmark to analyze their results than the S&P 500 or Russell 2000? When providing a composition breakdown, reporting gross and net positions is not sufficient, full delta-adjusted exposures are also necessary. Attribution analysis does not stop at Alpha from long and short positions, but should be broken down by sector, analyst, stock selection, market capitalization, and liquidity to form a true picture of returns. The due diligence process has evolved; make sure that you have the tools in place to meet the current demands of today's sophisticated investor.
It is critical to note that not all investors allocate only after the intense quantitative process we have outlined above. Fundamentally, the hedge fund industry is still a story about people. At its core, investors are looking for active management of their assets. Investors want to entrust their assets to someone they believe to be an expert with a differentiated process. There will never be a replacement to a good story and a firm handshake, but the due diligence process helps provide additional clarity to the investor's investment decision.
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Hotels in 75791 - Whitehouse TX
Only hotels in 75791 zip code are listed below. Search for cheap and discount hotel rates in Whitehouse, TX for your upcoming leisure or conference / group travel. We list the best 75791 hotels and motels so you can review the Whitehouse hotel list below to find the perfect lodging. Hotels in Smith county and area code 903 are also listed.
75791 Hotels & Accommodations
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Faculty Advisory Board
Thanks to a grant from SunTrust Bank and the UC Foundation, UTC established an endowed Chair of Excellence in the Humanities.
The current Chair is held by Dr. Wilfred M. McClay (Ph.D., The Johns Hopkins University), who also holds a position as professor within the Department of History. He is currently a Senior Scholar at the Woodrow Wilson International Center for Scholars in Washington, DC, a Senior Fellow at the Ethics and Public Policy Center in Washington, DC, and a member of the Society of Scholars at the James Madison Program of Princeton University. He was appointed in 2002 to the National Council on the Humanities, the advisory board for the National Endowment for the Humanities. He has authored dozens of articles, as well as several books. Among the latter, The Masterless: Self and Society in Modern America (North Carolina, 1994) won the 1995 Merle Curti Award of the Organization of American Historians for the best book in American intellectual history published in the years 1993 and 1994.
Current members of the Faculty Advisory Board include the following:
Dr. Gregory O'Dea (UHON/English)
423.425.4611 / 4166
Dr. Gavin Townsend (Art)
Dr. William Harman (Philosophy & Religion)
Dr. Victoria Steinberg (Modern & Classical Languages)
Mr. Hugh Prevost (Student Development)


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OAKDALE, CA - A mutilated cat was found inside of a vehicle after an officer pulled over the driver for allegedly drinking and driving early Friday morning.
An Oakdale police officer saw a vehicle swerving on the roadway inside Oakdale city limits around 1 a.m. and pulled the driver over for suspicion of drunk driving, Ceres Police Sgt. Chris Perry said. The officer reported that the driver appeared to be "highly under the influence of a controlled substance." It was later determined that the driver was on meth.
While the officer spoke with the driver, 31-year-old David Ronald Aguiar, he noticed that Aguiar was covered in cat hair.
"The entire truck was covered in cat fur. It was as if he had shaved his cat inside the truck," said Officer Daniel Peters who pulled over Aguiar for a traffic stop.
There were also blood spots around the vehicle.
While investigating the inside of the vehicle, the officer found a dead cat that was mutilated.
Aguiar told the officer Peters saw the cat and pulled over because he wanted to pet it. He picked up the animal, but when the it scratched him, Aguiar said he became angry, punching, kicking, and stomping on the cat. Aguiar told Peters he killed it with his bare hands, breaking the animal's neck. When officers pressed Aguiar about why he did that, he explained.
"He was angry to begin with. He was angry that he didn't get his child visit that he was supposed to have," said Peters. "He obviously had a rage issue. God only knows what he would have done to a human, knowing he did that to a defenseless animal."
Aguiar was booked into Stanislaus County Jail for driving under the influence of drugs and cruelty to animals. Police said Aguiar was released from jail after posting bail.


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GREENUP, Ky. — Janavee Irene Harris, 71, of Greenup, Ky., passed away March 23, 2013, in Southern Ohio Medical Center in Portsmouth. Memorial service 7 p.m. Thursday , March 28, 2013, at the Roberson Funeral Home in South Shore, Ky. Visitation is at the Roberson Funeral Home Thursday, March 28, 2013, from 6 p.m. until the service hour. Interment will be in Jones Cemetery in Greenup, Ky. at the convenience of the family.
IRONTON — Roger Wayne Kelley, 66, of Ironton, passed away Monday, March 25, 2013, at the Hospice Care Center in Ashland, Ky. Funeral services will be 2:30 p.m. Friday, March 29, 2013, at Phillips Funeral Home, 1004 South Seventh Street, Ironton. Interment will follow in Lawrence Furnace Cemetery. Visitation will be Friday from 1:30-2:30 p.m. at the funeral home.
WORTHINGTON — Debra Lynn Hambrick 59, of Worthington, the wife of Roger Hambrick, passed away Tuesday, March 26, 2013, at the Community Hospice Care Center in Ashland, Ky. Graveside services will be at 1 p.m. Friday, March 29, 2013, at Brick Union Cemetery in Lloyd, Ky. Visitation will be after 6 p.m. Thursday, March 28, 2013, and from 11 a.m. until 12:30 p.m. Friday at Wright's Funeral Home in Greenup, Ky.
PORTSMOUTH — Patricia Joan Bunner, 57, of Portsmouth, passed away Friday, March 1, 2013, at Southern Ohio Medical Center. A memorial service will be 1 p.m. Friday, March 29, 2013, at Riverview Wesleyan Church on 212 Madison St. in Portsmouth. Melcher Funeral Home in Portsmouth is handling the arrangements.
McDERMOTT — Gladys Johnson, 96, of McDermott, passed away, Tuesday, March 26, 2013, at Bristol Village in Waverly. Arrangements are pending at McKinley Funeral Home in Lucasville.


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Outside of a dog, a book is man's best friend. Inside of a dog, it's too dark to read.
Groucho Marx
Outside of a dog, a book is man's best friend. Inside of a dog, it's too dark to read.
Groucho Marx
Back to top.
I'm going to go out on a limb here and assume you're thiiiiiis close to reaching your summer fitness goals. That means you're almost ready to hit the beach, pool, or front lawn in that sexy new bathing suit and let the world see what you're made of.
And then what?
Yeah, I know. Lounging around and looking fabulous does get a little boring, doesn't it? Luckily, it's Beachbody® to the rescue with some great books to keep you busy, including one recommended by Professor Horton himself.
If you want a fun, snarky, educational first-person read, pick up Four Fish. Greenberg's extremely well-researched book tells you pretty much everything you need to know about the current state of seafood through a series of anecdotes regarding the world's four major fisheries: salmon, sea bass, cod, and tuna.
While there's no shortage of history and scientific explanation within, what really makes the book great is Greenberg's interaction with his subjects, whether he's smoking 400 pounds of salmon with a somewhat cranky 75-year-old Yupik Native American, or he's challenging Mark Kurlansky to a cod-tasting contest. (Foodie literary geeks know Kurlansky as the writer of the fascinating tome Cod, which launched the whole history-seen-through-a-single-foodstuff genre.)
Greenberg's writing is engaging and leaves the reader with plenty of ways to take action and help assure that the world's oceans remain safe, clean, and inhabitable for our finned, Friday-night-filleted friends. It should be required reading for anyone who eats seafood.
Thanks to the organics movement, most of us have a handle on the importance of the quality of the food we put in our bodies. But that's a tiny part of the equation. Where did those grapes you're eating come from? How did they affect the people who harvested them? And what about the millions of people in the U.S. alone who don't have easy access to grapes or any other healthy food?
Combine these considerations with the aforementioned organics movement. Then throw in the locavore movement—folks who champion eating only locally grown foods—and the concern over the the widespread consumption of fast food. Now you're beginning to understand Food Justice, a movement seeking "to transform where, what, and how food is grown, produced, transported, accessed, and eaten."
While the notion of accountability in the food chain from seed to plate is new, each of the various links in the chain have been around for quite some time, from Cesar Chavez and the United Farm Workers championing the rights of grape pickers in the 1960s, to activism regarding the ethical treatment of farm animals, to recent attention drawn to "food deserts" in Los Angeles—where huge, low-income sections of the city are devoid of grocery stores. This book attempts to link these and many more issues together. Odds are, at least one or two of these topics will affect you directly. Only by knowing the whole truth can you create real positive change.
That said, if you're new to the various food movements, this might not be the book to start with. It's dense and can be a bit academic at times. (Given that it was published by MIT, this makes more than a little sense.) If you haven't read The Omnivore's Dilemma by Michael Pollan or Fast Food Nation by Eric Schlosser, you may want to start there. But if you feel like you're ready for the next step, definitely check out Food Justice.
Psychiatrist Viktor Frankl's account of how he found the strength to survive the WWII Nazi death camps was first published in 1959, but it's still timely. If you're wondering why we're discussing a book with this heavy topic as summer reading, you might be interested to know that among its fans is our own Tony Horton. "As long as people continue to struggle physically, emotionally, and mentally, the lessons in this incredible book are still important," explains the trainer behind P90X®. "It'll give anyone perspective on how to improve their lives."
Man's Search for Meaning is divided into two parts. Part one details Frankl's time in four different camps, including Auschwitz. Even if you're familiar with the Holocaust, this highly personal account gives an intense perspective on the horrors in a way few have captured. The author's ability to see the humanity in his captors and pull lessons from the atrocities makes it hard not to pause every page or two and contemplate your own life.
The second part of the book is an explanation of Frankl's theory, logotherapy, which holds that our primary drive is the search for meaning in our lives. Essentially, the idea is that finding meaning in your life and its various aspects will go a long way toward helping you solve your problems—as Tony says it did for him: "For me, it helped me understand what is truly important in life and not to get caught up in the silly and mundane."
Even if you don't feel you need perspective on an existential level, there are smaller lessons to be gained. For example, odds are you've had to deal with the pain of a fitness-related injury at some point. When this happens, it's easy to feel like a victim, beaten for no reason. But ask yourself, why does it hurt? Well, there are a few reasons. First, it's a way of protecting what needs to heal. Second, it's your body trying to teach you its limits. Once you're aware of your pain's purpose, it's not quite as bad. As Nietzsche puts it, "He who has a why to live for can bear almost any how."
The continual existential cycle of striving to overcome life's conflicts whenever they arise as presented in Man's Search for Meaning can help provide a great roadmap for anyone's life.
Related Articles
"Crash Diets vs. Discipline, Motivations, and Lifestyle Change"
"Holiday Gift-Giving Guide: 4 Great Books that Give Back!"
"How Fitness Changed Tony Horton's Life"
Questions about your workout program, diet, the latest newsletter, or anything wellness related? Chat with Steve Edwards, the overseer of Beachbody's fitness and diet development (who also serves as your Fitness Advisor on the Message Boards), in the Beachbody Chat Room on Monday, May 16th, at 3:00 PM ET, 12:00 PM PT.
If you'd like to ask a question or comment on this newsletter article, click here to add a comment in the newsletter review section or you can email us at email@example.com.
Check out our Fitness Advisor's responses to your comments in Steve Edwards' Mailbag on the Message Boards. If you'd like to receive Steve Edwards' Mailbag by email, click here to subscribe to Steve's Health and Fitness Newsletter. And if you'd like to know more about Steve's views on fitness, nutrition, and outdoor sports, read his blog, The Straight Dope, recently named one of the Top 50 blogs covering the sports industry by the Masters in Sports Administration.
By now, most of us know what we should be eating—fruits, vegetables, whole grains, lean meats, and fish, among other foods. But anyone heading off to the supermarket with a shopping list of the best recommendations for a healthy diet is in for a bit of sticker shock. Over a 2-year period, a recent University of Washington study tracked the costs of "nutrient-dense" foods (foods high in vitamins and minerals and low in calories) and "energy-dense" foods (foods high in calories and low in vitamins and minerals—aka junk).* The nutrient-dense foods rose in cost by almost 20 percent while the cost of junk food declined. The study found that getting your average day's worth of 2,000 calories from the junk side cost $3.52, while getting your 2,000 calories' worth from nutrient-dense cuisine would cost $36.32. Since the average American spends about $7.00 a day on food, you can see where the rise in obesity might come from.
Other studies have shown similar findings. While the percentage of Americans' incomes spent on food has decreased dramatically over the last few years, the obesity rate has risen even more dramatically, as has the incidence of type 2 diabetes, an obesity-related disease. And the obesity rate has grown the most in the most impoverished sectors of society, further emphasizing the connection between the rising costs of nutrient-dense foods, the declining cost of junk food, and the rise in obesity rates. If you've checked out what a nice piece of Chilean sea bass with a side of asparagus costs compared to the latest offering from your local fast food joint's dollar menu, it's easy to be tempted by the dark side—especially if your budget is shrinking more than your waistline.
It is possible, however, to eat healthily and still have some money left over. Even on the tightest budget, you can do a little legwork and research to make the most nutritious choices for you and your family. And even if you're fortunate enough to have the cash to eat whatever you want, whenever you want, as my grandfather would say, "There's no point putting your paycheck through your stomach." (And he lived to be almost 100 . . . but that was before the advent of dollar menus.) Here are nine tips for getting the most nutritional bang for your buck.
*Don't confuse "nutrient-dense" foods with "high-density" foods, which is a common term for "energy-dense" foods. High-density foods aren't always unhealthy but your diet should consist of mainly "low-density" foods which have few calories per volume, generally due to the presence of fiber. Foods in their natural state tend to be low volume. Processed foods tend to be high volume.
Related Articles
"Sour on Milk? 5 Healthy Dairy Substitutes"
"How to Trick Yourself into Eating Healthy Food"
"10 Reasons to Eat Organically—and Locally"
Check out Pam's incredible transformation using ChaLEAN Extreme®. She's smaller, leaner, and tighter than she's ever been.
The Biggest Loser and RevAbs® trainer Brett Hoebel has two tickets to the May 24th season finale of The Biggest Loser in Los Angeles. From now until May 13th if you "Like" Brett Hoebel on Facebook or Twitter, you'll be entered to win. And if you're already a fan, you're already entered! Don't miss out!
Waffles are a breakfast treat we usually don't think of as being all that healthy, but the addition of ground flaxseed ups the fiber, protein, and omega-3s, as well as important nutrients like B vitamins, calcium, and iron. To send any remaining waffle-related guilt packing, dish these babies up with nutritious toppings like yogurt and berries or unsweetened applesauce.
Preheat waffle iron. Mix flours, sugar, baking powder, flaxseed, and salt in one bowl and set aside. In a separate bowl, mix eggs, milk, and oil, then add wet ingredients to dry and whisk until smooth. Pour about 3/4 cup of batter into waffle iron for each waffle. Waffles will steam while cooking; cook until they've almost stopped steaming. Makes about 11 1-waffle servings; any extras can be frozen and reheated in toaster or toaster oven.
Cooking Time: 5 minutes
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Ben Gates (Nicolas Cage, left) teams with unwilling National Archives conservator, Dr. Abigail Chase (Diane Kruger, right), in a plan to steal the Declaration of Independence and uncover clues on the back that lead to a centuries-old treasure.
Photo Credit: Robert Zuckerman
© 2004 Buena Vista Pictures Distribution. All Rights Reserved.


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Maybe subconsciously, you want some semblance of control. It could be because you have bigger priorities right now. Guys you really like = major heart break.
maybe its too personal or it means too much and its scary...
If you don't think you can do better then you won't. Your probably not allowing yourself to take chances with someone who is better... so its not happening. Sounds like you have some self esteem issues, or worth issues. Believe me... I do too... Sounds like you have good friends though :)
Maybe you're afraid of rejections? That's understandable.<br />
I prefer to date guys I like but I am never wanted so I gave up but couldn't date guys I don't like because my instincts about them are always right.
sounds like you maybe need to work on your self esteem alittle you look great to me and it that is your picture girl you are HOT ..go out and get that man you really want !! get vamped up and work on yourself ..new haircut ..new clothes whatever makes you feel sexy go for it !!!
My best guess is, you haven't found a way to express yourself yet that you're comfortable with. Ask yourself, if you were on a date with a guy you really like, do you know what you would do to make them feel how much you like them?
So why don't you?
So, you're saying it's not the dating you're afraid of but following up on a succesful one?
Maybe they weren't what you expected. Maybe you didn't tell them what you want. Just that you were the one to break it up doesn't say that much.
it's fear....
Maybe your too afraid of being hurt. Or your afraid of rejection. You get really close to them and it just turns out to be a friendship that your afraid to ruin.
we'll if you don't really like me, we can date.
too bad
Primal instincts wanting the dik
Then maybe it is impulsiveness and the fact that you cant, wont, and dont want to be alone.
There it is. You now have your answer.
You know its true, you dont need to
The answer lies whith in
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Methods: We performed a retrospective chart review on 206 MS patients and 142 control patients suffering from meningiomas and acoustic neuromas, non inflammatory, non autoimmune diseases of the brain. The obtained data included fasting lipid profiles, plasma glucose, systolic and diastolic blood pressure (BP), serum levels of homocysteine and uric acid, data on iron status, smoking habit, and list of medications. In addition, data on indicators of MS disease severity was obtained for MS patients.
Results: MS patients had significantly higher total plasma cholesterol, p = 0.01, and plasma high density lipoprotein, P <0.001, but lower plasma glucose, P <0.001, and systolic BP, P = 0.001, than non-MS patients. In addition, MS patients had lower erythrocyte sedimentation rate and serum vitamin B12, but higher serum folic acid and vitamin D3 than non-MS patients. A positive correlation was observed between plasma glucose and the extended disability status scale (EDSS), P = 0.008, and between plasma glucose and the rate of clinical relapse, P = 0.001.
Conclusion: The MS pathophysiology may be among factors for the lower CV risk factors in MS patients. Future studies should examine whether the chronic use of many pharmacological agents influence CV risk factors in MS patients.


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Today I uploaded a screencast of GoGrid in action. In the video, you can see how quickly and easily an entire Cloud Computing infrastructure can be deployed using GoGrid's rich web interface. In this video (located here on YouTube), I show the creation and instantiation of:
- Windows & Linux Web & Application servers
- Database servers
- Load Balancer
- Cloud Storage
I hope that you find this video helpful and useful in understanding how truly easy it is to deploy a robust infrastructure in the Cloud using GoGrid. I would love to get comments and suggestion for a next round of videos as well. What would you like to see in action?


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Find the perfect hotel in Kassiopi using our hotel guide provided below. Find cheap and/or discounted hotel rates in or near Kassiopi, Greece for your business or personal leisure travel. Discover the most popular Kassiopi hotel and motel rooms. Browse the Kassiopi area hotels to find the perfect lodging! Please use the provided map of the Kassiopi hotels.
Kassiopi Hotels/Accommodations
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Archive for 'Tag Archives: 'children and humor''
Humor in Family
What a little humor brings to a family when times are tough. Humor in Family Let's face it, life has it's up and downs and getting through those times can be trying. Even the day to [...]
Teens and Job Safety
June 28, 2015
How a Good Night's Sleep Improves Grades
September 26, 2012
Budgeting Children's Wish Lists
December 09, 2014
How Children Change During Adolescence
April 30, 2012
What to Do if Your Child is Lost in a Crowd
July 14, 2012
The Benefits of Boredom
July 24, 2015
Child Led Quality Time
July 23, 2015
Family TV Time
July 22, 2015
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July 21, 2015
Family Events
July 20, 2015
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Monday, January 6, 2014
The 25th anniversary celebration for the Coastal Crisis Chaplaincy will be held at the Charleston Marriott on Wednesday, Feb. 5 at 6 p.m. The event will feature a large silent auction, and the David Archer Band will entertain guests throughout the evening. Tickets are $100 for civilians and $50 for first responders, with heavy hors doeuvres included. If you would like to purchase tickets, learn more about becoming a sponsor for the event or if you have an item or service to donate to the silent auction, please call Tara Abbott at 843-724-1212.
The Coastal Crisis Chaplaincy is a non-profit organization whose primary mission is to provide pastoral care and counseling for employees and families of emergency service agencies, as well as the general public; assist the coroner in notifying individuals who have lost a family member in an unexpected manner, assist the Mobile Crisis Unit and SWAT teams in hostage negotiations and other local emergency situations; and to provide follow-up visitations in the home or the hospital for victims of crime and their families.
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Robin G.
Youth Librarian
614-882-7277 x2107
Robin has traveled the world through books (and real life). She may or may not readily admit her addiction to all things Harry Potter. In her spare time, you will most likely find her nose buried in a decadently-illustrated picture book.
Ask me about...
international books and sister library program, fairy tales (traditional and fractured), Harry Potter, the art of picture books, making booktrailers, nonfiction (science) reader's advisory
I'm interested in...
storytelling, scrapbooking, nature, art history, Jane Austen, travel
Linda U.
Youth Services Manager
Ashley M.
Youth Services Librarian
Becky O.
Teen Librarian
Jesse H.
Youth Services Librarian
Katie R.
Youth Services Librarian
Lisa W.
Youth Services Associate
Michael N.
Youth Services Associate
Mickie S.
Youth Services Librarian
Robin G.
Youth Services Librarian
Susan C.
Youth Services Librarian
9 a.m. - 9 p.m.
9 a.m. - 6 p.m.
9 a.m. - 6 p.m.
1 p.m. - 6 p.m.


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Event Details
Date(s) & Time(s)::
Daily from September 5, 2014 until September 6, 2014
Location: Roanoke, Indiana
Email: email@example.com
Event Description
Showdown-NTPA Truck and Tractor Pull
4 action packed classes of NTPA Truck and Tractor Pulling. Gates open at 6pm with the events beginning at 7pm. $12-Adults $5-ages 6-14 and under 6- Free. Food tents will be on hand and fun giveaways and games thru ought the entire show. This is a GREAT family event!
9/5 7pm
Roanoke Tractor Pullers Kiddy Tractor Pull
The Kiddy Tractor Pull is held in the main tent for the Roanoke Fall Festival. FREE to all children. Registration begins at 9am. All children receive prizes and trophy's for all weight class winners. All children are also entered to win 1 of 3 brand new pedal tractors!
9/6 10am
Showdown Demolition Derby
Crash-Em-Up Demolition Derby is always a favorite. Gates open at 6pm. $10-Adults $5-children 6-14 and under 6- FREE. Be sure to get there early as it is always a sell out! Food tents will be on hand with give a way's thru out the entire event!
9/6 7pm
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In January 2013, the Securities and Exchange Commission approved new NYSE and Nasdaq listing standards addressing the independence of compensation committees and their advisers.
In this edition of the Public Company...more
A periodic bulletin keeping small businesses informed about current developments in securities law and related matters.
Final Nasdaq Rule -
In our October 2012 Bulletin, we discussed The NASDAQ Stock Exchange LLC's...more
As companies prepare for the 2013 annual meeting and reporting season, we have compiled an overview of the corporate governance and disclosure matters that companies should consider as they draft this season's disclosure...more
As you gear up to prepare your 2013 proxy statement and periodic reports, it is essential to keep in mind some recent changes and developments that may affect your company's disclosure in these documents. For 2013, three new...more
The 2013 proxy season is shaping up to be another challenging year, with the new Securities and Exchange Commission ("SEC") disclosure requirements for compensation consultant conflicts of interest, the continued focus on...more
New S-K Item 407(e)(3)(iv) provides that if any compensation consultant has played a role in determining or recommending the amount or form of executive and director compensation, and the consultant's work has raised any...more
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Rock Climbing Videos : Bouldering : The Milks
The Milks
Random compilation of bouldering shots in the Buttermilks with some old friends and some new friends.
Rating: Login to rate this video. | Vote: 1 | Comments: 0 | Viewed: 1986
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Cub Scout Shooting Sports Training
Nashua Valley Council is organizing a shooting sports committee to facilitate more shooting sports activities at the council and district level. The inaugural committee meeting will be held in conjunction with a Cub Scout BB and Archery Certification Course.
Who: Scouters over 18 years of Age
When: Monday June 15 6:30 pm to 9:30 pm
Where: Nashua Valley Council Service Center
Cost: There is no charge for this event


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It's a dreary day in the state capital (and, presumably, throughout most of the Old North State), so here are a few stories to help inspire you to fight back against the darkness:
In addition to lots of information about the rapidly improving health of the Affordable Care Act, the good people at the Kaiser Family Foundation have a nice tribute to the late, great Nelson Mandela today on the front page of the organization's website that explains the interesting connections between the Foundation and Mandela.
Also, in case you missed it, Think Progress ran a story last week that listed the "Six Things Nelson Mandela Believed That Most People Won't Talk About" – including his strong opposition to the U.S. war in Iraq and his belief that freedom from poverty ought to be a fundamental human right.
Meanwhile, there will be a North Carolina tribute to Mandela this coming Saturday at First Baptist Church in Raleigh. Click here for more information.
And speaking of fighting back, Read More


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Peter Osagiede, TOMIS #98180
Escaped December 12, 1983 from the Turney Center Industrial Prison and Farm
Offense/Sentence: Rape, 10 Years
Subject failed to return from an emergency furlough.
Robert Poteat, TOMIS #72447Escaped April 6, 1974 from the Chattanooga Community Service Center
Offense/Sentence:Petit Larceny/Burglary - 2nd Degree (3 convictions), 3 Years
John David Rowlette, TOMIS #89350
Escaped June 16, 1981 from the Knoxville Community Service Center
Offense/Sentence: Burglary 1st Degree, 5 Years
Subject left a community service center for work at approximately 9 a.m. and failed to return.
Robert Houston Sanders, TOMIS #106391Escaped April 20, 1990 from the Tennessee State Penitentiary
Offense/Sentence: Aggravated Kidnapping/Robbery - Armed with Deadly Weapon/Burglary - 2nd Degree/Aggravated Assault/Burglary - 3rd Degree/Attempt to Commit Felony - Burglary/Petit Larceny (10 convictions), 81 Years
Subject walked away from a minimum security unit.
Wesley Sawchuck, TOMIS #88065Escaped May 30, 1980 from the Tennessee State Penitentiary
Offense/Sentence: Attempt to Commit Felony - Burglary, 1 Year 6 Months
Subject escaped from a minimum security compound during evening hours. Subject eluded security and was not observed leaving.
Richard Simmons, TOMIS #67949Escaped November 18, 1981 from the Nashville Community Service Center
Offense/Sentence: Murder 1, 50 Years
Subject was assigned as a trusty to work at the state government motor pool. Subject left the job site without authorization.
Barbara Sue Sloan, TOMIS #85257Escaped September 2, 1979 from the Nashville Community Service Center
Offense/Sentence: Passing Forged Checks, 3 Years
Burton Smith, TOMIS #55197Escaped September 21, 1961 from the Tennessee State Penitentiary
Offense/Sentence: Grand Larceny/Petit Larceny (3 convictions), 4 Years
Vanessa Denise Smith, TOMIS #89103Escaped October 11, 1980 from the Memphis Community Service Center
Offense/Sentence: Arson - Setting a Fire, 1 Year
Ronald D. Welch, TOMIS #73930
Escaped June 21, 1975 from the Tennessee State Penitentiary
Offense/Sentence: Robbery Simple/Burglary - 3rd Degree (2 convictions), 5 Years
Howard Lee White, TOMIS #55787
Escaped September 2, 1988 from the Tennessee State Penitentiary
Offense/Sentence: Fraud - Credit Card/Forgery - Checks (5 convictions), 6 Years 1 day
Subject failed to return from an approved furlough.
Previous 1 - 10 >> Previous 11 - 19 >> 20 - 30
If you have information, please email or contact us at:
Tennessee Department of Correction - Office of Investigations and Compliance (24 hours a day, 7 days a week) (615) 741-7144 or Tennessee Bureau of Investigations (24 hours a day, 7 days a week) 1-800-824-3463 (1-800-TBI-FIND)
Our mailing address is:


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2 Mansfield Rd
Tel: 01623 491 987
Food Hygiene Rating:
|Opening Times:
11am - 11pm
11am - 11pm
11am - 11pm
11am - 11pm
11am - 11pm
11am - 11pm
11am - 11pm
|Beer Garden
|Bar Snacks
|Car Park
|Live Music
|Disabled Access
|Quiz Nights
|Quizzes are great fun here, where it is free to enter and you could win either a gallon of beer or two bottle of wine!! Quizzes take place of a Wednesday and Sunday night at 9pm. Come early to avoid disappointment.
|Live Music
|There is an occasional disco and live performing acts for you to come and enjoy. For next date see inside the pub for listing.
|No of TVs
|2 - 2 plasma screens
|Bar Snacks
|To stop guests going hungry the pub offers a fabulous range of bar snacks including Sandwiches, Ciabattas, Jacket potatoes, Salads, Burgers and many more, with great offers also available, see description below for times and deals.
|An extensive menu is available including tremendous fish dishes all freshly prepared on the premises and home-cooked to perfection.
|If you are wishing to stay the night the pub has four comfortable B&B rooms available, all en-suite ensuring a lovely nights sleep with breakfast options too. For pricing details see description below
|Real Ales
|Old peculiar, xxxb and Black sheep are all available as real ales.
|Wine Selection
|The pub boasts itself on having a fantastic wine menu with the chance to experience wines from across the globe, also with sparkling wine and champagne as options.
|Draught Beers
|Fosters, Carling, Stella, Carlsberg export, John smiths smooth, Bulmers original, Strongbow and Guinness are all available on draught.
The Larch Farm pub and restaurant is a picturesque pub situated in the beautiful setting of Ravenshead, Nottinghamshire and will soon become your favourite place to be. They serve an extensive range of draught beers, wine, sprits, real ales and soft drinks for your enjoyment. The pub has a great country atmosphere with fantastic farming equipment on display on the pubs walls and ceilings, making it feel very cosy and relaxing giving the pub extra character. With a large secluded beer garden to the rear of the pub make the summer months a fantastic place to spend your time outside with a refreshing drink from the bar, also there is disabled access and toilets throughout the pubs premises making it easily accessible to all customers aided by the friendly and helpful staff always on hand. There is also a large car park on the premises making family outings easier to plan. Fabulous tasting food is available in two different parts of the pub giving you an option whatever mood you are in. You can choose from some of the delicious hot and cold snacks from behind the bar, where you can buy two meals for 10.00gbp Monday – Friday 12pm – 7pm or of you desire can eat in the fabulous restaurant are of the pub serving stunning fish dishes with Mussels, Haddock, Oysters, Crab, Lobster and many more all fresh and flavorsome. Starters cost around 4.50gbp and main meals peak at around 12.00gbp leaving you with enough change to sample some of the pubs best wines, all on a separate menu and that's not to mention the excellent live entertainment that can be had in the pub, ranging from quiz nights to live discos and cabaret performances. All En-suite bedrooms are priced at 45.00gbp with a continental breakfast option for an additional 3.50 or a full English breakfast for only 5.00gbp. To book a room call the pub on 01623 491 987. So whether you fancy a day out with the family or a superb meal with your friend the Larch Farm pub and restaurant is just that perfect place to do so!!!


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Rod O. used our Cordless Top Down Bottom Up Cellular Shades in his 2002 airstream motorhome! What do you think?
Kyle K. is a Happy SelectBlinds.com Customer!
Kyle K. is a happy customer! He used the 2″ Premium Faux Wood Blinds for his bathroom renovation. What do you think of this before and after?
See our Products Featured on "Home Free" on FOX!
Tune in every Wednesday at 9/10 pm ET/PT on FOX to see our window coverings used in the final redesigns of HOME FREE. This new design competition series is full of exciting twists and never-before-seen surprises. If you're looking for beautiful designs, heartfelt stories, and deserving families, this is the perfect show for you.
We're excited to be a part of this show and the difference it is making in the contestants' lives. Watch it with us every week!
Take a look at some of these before and afters from the very first episode.
What do you think of the final design from the first episode?
How to Keep Cool This Summer
Summer is here! So now is the time to prepare to keep cool this summer. Control the heat before it amplifies to stay cool for the entire summer. The first thing to start with is the interior of your home. After that, move to the outside. You'll eventually have a summer-ready home where you can keep cool and enjoy spending time with your loved ones. Here's how to get started:
Cover Your Windows
A home with open, bright windows can make for a beautiful space. However, even with new windows, outside heat can come in, heating up your house and increasing your energy bills. But to get the best heat reduction, you can't cover your windows with just anything. For optimal energy efficiency, choose cellular shades. If you still want that natural light during the summer, choose light filtering cell shades, and you'll have the best of both worlds.
Keep Your Lights Off
Photo Credit: FreeImages.com
With light filtering shades, you can keep off your lights longer, helping to keep your home's interior cool and comfortable. You may not realize it at first, but leaving your lights on during the day can really heat up your home. Plus, keeping your lights off as long as possible will also save you money each month on your utility costs.
Swap Out Your Bedding
Change out your heavier winter bedding with linens specifically made for warmer weather. Being the right temperature while you sleep will help you to feel cooler the rest of the day. If you're overheated at night, you may feel as though you're catching up to stay cool all day.
Use Outside Misting Systems
Photo Credit: FreeImages.com
Don't let the summer heat keep you from enjoying time outside. Install misting systems around your porch, deck, or backyard sitting area. It will keep you cool and you don't have to hide from the heat inside your house.
Photo Credit: FreeImages.com
Cook outside as much as you can during the summer. Using your oven and stove will heat up your house, and it might be difficult to cool it back down right away. Instead, keep the heat outside where it belongs.
What's your favorite way to stay cool in the summer?
Jeffrey W. is a Happy SelectBlinds.com Customer!
He ordered the 2″ Premium Faux Wood Blinds for 12 windows! This is what he had to say:
"They are in my commercial office space and have received plenty of compliments about them. I tell every customer I have that I got them at SelectBlinds!"
Surprising Back-to-College Necessities
Photo Credit: Bedding.com
Your dorm or college apartment may supply basic bedding, but don't take any chances. Bring your own bedding. Not only can it give you peace of mind, but it's a great way to add color, personality, and style to your personal space. Quick Tip – Bring at least two sets of sheets. This will keep your bedding clean, even when your laundry is backing up.
Photo Credit: FreeImages.com
Bring your own towels. Again, even if your dorm provides towels, it's probably best to use your own. However, the provided towels are great for an emergency. Choose bright, fun colors and patterns or go with a classic white so you can bleach them and keep them looking fresh and new.
Window Shades
Photo Credit: SelectBlinds.com
You probably won't be allowed to drill in the required mounts for window blinds or shades. But you don't have to! Use Redi Shades instead. Just use the adhesive to attach them to the top of the window frame or on the outside of the window frame and that's all it takes! These are perfect for college life because they're cheap, easy to use, and they come in blackout, which means you can sleep whenever you want without light bothering you.
Hanging Organizers
Photo Credit: FreeImages.com
In a dorm, chances are you won't have much floor space. That will be taken up by beds, dressers, and desks. Instead, opt for hanging organizers. Why not use that vertical space instead of wasting it? You'll be surprised how much you can store with hanging organizers.
Now you're ready to head off to college with all those other essentials, like shower shoes and your laptop. What's your must-have for college this semester?
George B. is a Happy SelectBlinds.com Customer!
George B. ordered 4 custom cellular shades for his sun room/bird room.
Annette W. is a Happy SelectBlinds.com Customer!
"I really like my new shade!" She ordered Express Light Filtering Cordless Cellular Shades.
Our Biggest Sale Ever! 2015 4th of July
The 2015 Select Blinds 4th of July Sale is bigger than ever! Buy 3, get 1 free. No limits. No caps. And save 35% off your order and get free shipping. This fourth of July, you have the freedom to choose! Only at SelectBlinds.com.
Lauren B. is a Happy SelectBlinds.com Customer!
"Thanks for your good products and good service! I installed 2″ American Hardwood Blinds in a sugar maple finish to match my cupboards. They look so much better than the old, white, rusted metal mini blinds that came with the house! Now, I enjoy looking out the kitchen window while I do the dishes."


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Listen To Earth Wind And Fire's Comeback Single
- Earth, Wind and Fire are releasing their first album in eight years on Sept. 10 and dropped their record's lead single onto the web on Monday. "My Promise," which leads...
- Read more
Earth Wind & Fire Are Back
- NEW YORK -- Earth, Wind and Fire initially wanted to release its new album around the 2012 presidential election, but the band realized it wasn't satisfied with the song...
- Read more
WATCH: Paramore Returns
- Paramore is officially back. After years of conflict and drama within the rock band, Paramore has released a music video for the latest single, "Now" -- take a look abov...
- Read more
Emma Thompson, Featured in Fatal Promises, Speaks Out on Human Trafficking
- Human trafficking...the statistics are overwhelming. Approximately 800,000 people are illegally trafficked through international borders annually. 1.39 million people a...
- Read more
What's On Tonight: 1 vs. 100, Smackdown, Monk, Psych
- At 8, CBS has a new Ghost Whisperer, followed by new episodes of Close To Home and Numb3rs. NBC has a new 1 vs. 100 at 8, then new episodes of Las Vegas and Law an...
- Read more
What's on tonight: Smackdown, Washington Week, Paula's Party
- At 8, PBS has a new NOW, followed by a new Washington Week. NBC has a new Dateline at 8. The CW has a new Smackdown! at 8. ABC Family has the 1978 version of ...
- Read more
Mmmmm...PBS coffee
- PBS is getting into the coffee game by joining with Green Mountain Coffee Roasters and creating the PBS Blend. The coffee will be organic, and will be "offered in whole ...
- Read more
What's on tonight: Stargate, Smackdown, Fashion Rocks
- At 8, PBS has a new NOW, followed by a new Washington Week. Hey, Nanny 911 is back with new episodes at 8 on FOX! Just kidding with my enthusiasm there. NBC has...
- Read more
Utilizing documentary segments as well as interviews, the investigative team of "NOW" explores the real-world impact of government policies on the lives of average working Americans.


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PROVIDENCE, R.I. – The University of New Hampshire women's ice hockey team fell behind 3-0 in the opening minutes of the first period en route to a 6-2 loss to Providence College at Schneider Arena on Sunday afternoon.
UNH lost for the second time in as many days – the Wildcats fell 5-2 at fifth-ranked Boston University on Saturday – to fall to 4-6-2 overall and 0-4-1 in Hockey East. PC was victorious for the second consecutive day to improve to 5-6-3, 4-2-1.
UNH starting goaltender Lindsey Minton (Richardson, Texas) exited the game at 11:59 of the second period with the Wildcats trailing 4-0. She was charged with the loss in a 12-save effort. Moe Bradley (Swampscott, Mass.) made her collegiate debut in a relief stint of 28:01 and stopped 18 of 20 shots on goal.
PC goalie Genevieve Lacasse was credited with 20 saves. Laura Veharanta led the offense with a goal and two assists.
Providence scored on three of its first four shots of the game to quickly establish a 3-0 lead 3:01 into the opening stanza. Veharanta, with the assistance of Ashley Cottrell and Jessica Cohen, potted a goal on the first shot of the game 47 seconds after the opening faceoff.
PC then struck 13 seconds apart when Maggie Pendleton scored at 2:48 and then Abby Gauthier scored off a rebound from Veharanta's initinal shot that was stopped by Minton.
UNH started to build some momentum and went on the first power play of the game at 7:04. Maggie Hunt (Naperville, Ill.) tested Lacasse early and the PC netminder also turned aside Katie Brock (Marblehead, Mass.) and Hunt once again to preserve the Friars' three-goal lead.
Providence had a power-play opportunity at 11:26, but Minton denied both Veharanta and Cohen to keep the deficit at 3-0.
In the closing minutes of the period, Arielle O'Neill (St. Catharines, Ontario) and Caroline Broderick (Marblehead, Mass.) fired shots on goal that were stopped by Lacasse, who finished with 10 first-period saves.
The Friars began the second period with 85 seconds remaining on a power play, but the 'Cats held PC without a shot during that skater advantage.
New Hampshire gained its second power play at 2:16 and was able to sustain pressure in the offensive zone, but Lacasse kept the Wildcats scoreless with saves against Nicole Gifford (Ennismore, Ontario), Brock and Kayla Mork (Victoria, Minn.).
PC extended the advantage to 4-0 just 47 seconds after that successful penalty kill on a goal by Cottrell at 4:53.
UNH was whistled for minor penalties at 5:53 and 9:57 but Minton was called upon to make just one save during those two Friars' power plays.
Minton exited the game at 11:59 in favor of Bradley, who allowed a goal on the first collegiate shot she faced when Corinne Buie scored at 12:55 to give the home team a 5-0 lead.
UNH responded with a goal 62 seconds later at 13:57 when O'Neill scored her first goal of the season. Lavoie and Lascelle were credited with assists; both players moved into a tie for second on the team in that statistic with O'Neill at four.
Bradley made two saves in as many minutes before PC went on its fourth power play of the game at 17:41 and she made two saves during that penalty kill.
The Wildcats were shorthanded again at 3:27 of the third period, but Bradley made four stops to keep the score 5-1. UNH was whistled for another minor penalty 92 seconds later, and the 'Cats held Providence without a shot on goal during PC's sixth power-play opportunity of the day.
After spending nearly half the opening 10 minutes of the third period shorthanded, UNH recorded a shot by Bryanna Farris (Carleton Place, Ontario) that was stopped by Lacasse.
Bradley recorded two more saves before Jessica Vella gave the Friars a 6-1 lead at 15:12. PC continued to generate pressure and forced Bradley to make three more stops before Gifford, with the assistance of Kristine Horn (Utica, Mich.) and Hunt, scored her third goal of the season to make the score 6-2 at 18:51. Horn also climbed into a tie for second on the team in assists with that helper.
PC finished with a 36-22 shot advantage, including 15-3 in the third period. UNH was 0-for-3 on the power play and 6 of 6 on the penalty kill.
New Hampshire returns to action with a two-game road series against the University of Minnesota on Nov. 18-19. The Wildcats' next home game is Nov. 25 (7 p.m.) against the University of Maine.