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Diva Dog Maui Dog Collar
Usually Ships Within 3-5 Business Days
Low Cost Flat Rate Shipping!
Easy Returns
PupLife has a hassle free Return Policy. You may return ANY non-personalized PupLife item in new, unused condition for a refund of your money, within 30 days of date of purchase - no questions asked. Please note ALL returns will be assessed a 20% return processing fee.
Items returned after 30 days of delivery are not allowed, and they will NOT receive a refund. These items are donated to a local dog rescue shelter or returned to the customer, at PupLife's discretion.
Personalized items (including custom dog bowls, as well as engraved dog tags and collars) are not returnable. Please be sure to measure your dog and make your selections carefully. We do not refund shipping charges unless we sent the wrong item.
Please send your returns to the following address:
217 East 24th Street
Suite 102
Holland, Michigan 49423
Include your packing slip if possible along with your name, order number, phone number, and most importantly, your e-mail address. We will e-mail you when your return has been received and processed. Please note that we do not pay for return shipping. We strongly recommend that you insure your package so if it is damaged during the trip back, you aren't liable.
We Do Not Do Exchanges
We do not do exchanges. Instead, please return your unwanted/unused item for your money back, and place a new order.
If We Sent You The Wrong Item
At PupLife we are only humane (and canine) so try as we might, we are not perfect and once in a blue moon a mistake is made. If PupLife has sent you an incorrect item, please contact us immediately and we will work with you to remedy the situation. Do not ship your item back on your own before contacting us.
Lupine Collar, Leash Or Harness Replacements
Lupine Collars are guaranteed for life – even if chewed. If your pooch destroys a Lupine collar, simply mail it back to Lupine's headquarters and they will send you a free replacement. Send your damaged Lupine collar, leash or harness to:
Lupine Returns
PO Box 1600
Conway, NH 03818
Include your name, mail address & email or phone number. Lupine will send you a replacement via US Mail, usually the next business day after your damaged item is received. There's no need to send the original receipt.
A Hawaiian Classic Dog Collar
Diva Dog's Maui Dog Collar brings the style and charm of the islands to any dog's wardrobe. This tropical Hawaiian influenced designer dog collar is lovely and durable. We love it!
Made In The USA
This product is handmade in the USA from soft comfortable nylon overlaid with durable polyester ribbon, which is quintuple stitched at stress points for added strength.
A Sweet Designer Collar By Diva Dog
You can practically smell the tropical flowers and sweet island breezes when you put this collar on your precious darling moon doggie. Another hit from the top designers at Diva Dog.
Available in two sizes, with a matching leash available to complete the look. A lovely collar choice for your pet.


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High-Quality Products, Professional Service
Whether you use Action Target for products, firearms training, range construction, or simply as a resource to stay up-to-date on the industry, we know that you will be impressed with our high-quality products, professional services, competitive prices, and top-notch customer service.
Here's what one satisfied customer had to say:
I purchased a PT Runner-120 portable moving target from your firm in January for personal use as part of my practice for the Bianchi Cup.
It was my understanding when I purchased the equipment that I could operate the mover and shoot at the same time. I quickly found out that was not the case and contacted your sales office.
The fellow I spoke with was Kyle Burdette. He helped me work through a couple of scenarios and even offered to take the equipment back and give me a full refund. With this being a vital part of my practice, I couldn't afford to send it back this close to the Bianchi Cup competition. I elected to keep the machine and have someone help me run it. What a smart decision that was.
I would like to applaud your firm's commitment to customer service. I will certainly be purchasing products from you in the near future and will tell everyone I meet to look you up for their equipment requirements.
Jason Koon
Click here for more responses from those we've worked with (scroll through with the arrows at the bottom of the screen).MoreMoreMoreMoreMoreMoreMoreMoreMoreMoreMoreMoreMoreMoreMoreMoreMoreMore
Related Pages
- Contact Us – Impressed with Action Target? Send us a message so we can keep up the good work. Not satisfied with a product or service? Let us know so we can make sure we take care of the problem for you.

subset: commoncrawl


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Select Local Merchants
Swingers Sports Lounge and GrillRead MoreLining up his shot, the golfer draws a breath and putts his ball down the last green on the legendary Jubilee Course at St. Andrews in Scotland. He checks the clock—all 18 holes in one hour. This would be impossible at the real St. Andrews between walking from hole to hole or fighting off the rabid venus flytraps that guard the greens, but in the PGA Tour simulator, it's par for the course. Visitors compete on more than 50 other championship courses from around the world with their own clubs or rented TaylorMade clubs, blasting golf balls toward the screens projecting the two simulators' immersive 3-D worlds. Along with 18-hole games, patrons can practice their drive on virtual ranges. For nongolfers, the lounge stocks foosball and billiards tables, a skee ball machine, cornhole on the patio, and plenty of high-definition TVs to catch the latest sports. Card sharks can also show off their skills at weekly poker tournaments. Throughout all their events, Swingers Sports Lounge and Grill keeps patrons satiated with upscale food and beverage, such as burgers topped with sriracha mayo and a pound of wings doused in ghost-pepper sauce, which chefs summon during a séance.9535 Park Meadows DriveLone Tree, CO US
Longshot Restaurant and LoungeRead MoreA culinary gem, Longshot Restaurant and Lounge in Sheridan is a popular spot for flavorsome pub food and tasty seafood. It's an ideal choice for those interested in excellent food. If you're trying to plan your week, most patrons will claim that Wednesdays, Fridays, and Saturdays are the best evenings to visit. Also, you'll definitely want to take advantage of its outdoor seating when the Rocky Mountain weather is cooperative. It should be noted that casual attire is encouraged. Also, if you're in the mood for tunes, it's even a good place to catch a DJ. It's been tabbed as a nice option for both large groups and dancing. WiFi's available if you want to link your device up, and in addition to its convenient take-out offerings, the restaurant even provides catering for events around town. Or, if you just want to stop by for a drink, the restaurant has a pretty broad selection at its bar. Specializing in breakfast, brunch, and even good late-night food, Longshot Restaurant and Lounge is an appetizing spot to quell that next munchies craving. Don't worry about trying to find a spot on the street, as visitors to the restaurant do have access to a private parking lot nearby.3665 S Federal BlvdSheridan, CO US
Blondie's Firehouse Pub & RestaurantRead MoreAfter a night at Blondie's, partiers may need to cement themselves in front of the fire hydrant to cool off. Between the daily special events—such as karaoke, poker night, ladie's night, trivia, beer pong, and DJs—the frosty beer and $3 shots, and the tempting menu of burgers, Mexican food, and flash-fire pizza, the pub keeps the temperature and the good times high. On certain special occasions, guests might also experience live music and one-off events such as a body-painting competition.3435 South Inca StreetEnglewood, CO US
Sand Creek LoungeRead MoreGrab some friends and head on over to Horseshoe Park's Sand Creek Lounge for great pub grub. Sand Creek Lounge knows how to make gluten-free and low-fat fare taste great, so stop by for a healthy (and flavorful) bite. Order a bottle for the table if you like — Sand Creek Lounge has a full bar stocked with the best wine, beer, and more. Looking for a good happy hour? Head to Sand Creek Lounge and treat yourself to a bite or a drink for a discounted price. On warmer days, you can take advantage of Sand Creek Lounge's al fresco patio seating. We'll let you park onsite to help get you closer to our scrumptious menu. Sand Creek Lounge is home to many cyclists who appreciate the parking racks outside. With prices so reasonable, our menu will seem like a full buffet. Eat like a king at Sand Creek Lounge.16893 East Iliff AvenueAurora, CO US
Maya Sports Bar and GrillRead MoreA well-known restaurant in Aurora, Maya is the perfect location for wonderful pub food. It's a popular spot for guests that want great food. Thanks to its outdoor seating, Maya is a great option when the weather along the Front Range is cooperating. It should be noted that casual attire is encouraged and though it's a bit on the pricey side, the overall experience definitely justifies it. With a live DJ, the background noise is reported to get a bit loud at times. If you just feel like stopping by for a beverage, the restaurant has helpful bar staff (and a good selection behind the bar). A staple in the community for nearly three decades, Maya is a tasty choice when you're in the mood for Latin cuisine, and want to expand your horizons beyond the boring ol' Mexican fare.455 Havana StAurora, CO US
VIP Hookah LoungeRead MoreHungry? Get ready to lick your plate clean at VIP Hookah Lounge in Aurora. Dine under the sun (or stars) at VIP Hookah Lounge with their charming outdoor seating. The restaurant frequently features a DJ, so patrons can treat their ears to some of the best beats around town. Those who enjoy dancing can make their mark on the open floor. Between the music and the crowds, VIP Hookah Lounge's noise levels can be intense. Those hoping to avoid the weekend rush will do best visiting the restaurant during the week. Many diners choose to drive to VIP Hookah Lounge, as there are numerous parking options nearby. Store your bike at a nearby rack and enjoy a bite to eat at VIP Hookah Lounge.2787 South Parker RoadAurora, CO US


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Filed under: 2014 Albums Of The Year | Tags: AOTY 2014
Since various personal and practical issues are eating into my Anally Retentive List Making time, this end of year business is going to be much less elaborate than previous years. The lovely new Narc Magazine website is going to post my Top 5 over the weekend. But here's the rest (a new rule this year – to be included in the chart, I have to own the vinyl, if it came out on vinyl. If not, meh.. )
Albums Of The Year – Numbers 6 to 30
6 Swans – To Be Kind (Mute)
7 Steven James Adams – House Music (The State 51 Conspiracy)
8 Mogwai – Rave Tapes (Rock Action)
9 Sleaford Mods – Divide And Exit (Harbinger Sound)
10 Martha – Courting Strong (Fortuna Pop!)
11 Kogumaza – Kолокол (Lancashire & Somerset)
12 Lykke Li – I Never Learn (Atlantic)
13 Rob Heron & The Teapad Orchestra – Talk About The Weather (Tea Pad Recordings)
14 Shellac – Dude Incredible (Touch & Go)
15 IX Tab – R.O.C. (Exotic Pylon)
16 Aphex Twin – Syro (Warp)
17 Carla Bozulich – Boy (Constellation)
18 Chain & The Gang – Minimum Rock N Roll (Fortuna Pop!)
19 Grouper – Ruins (Kranky)
20 Warpaint – Warpaint (Rough Trade)
21 Resource Centre – Low Fantasy EP (Geography Trip)
22 Morton Valence – Left (Bastard)
23 Scott Walker & Sunn O))) – Soused (4AD)
24 Billy Childish & CTMF – Acorn Man (Damaged Goods)
25 Teeth Of The Sea – Master (Rocket Recordings)
26 Grumbling Fur – Preternaturals (Quietus)
27 Mirel Wagner – When The Cellar Children See The Light Of Day (Sub Pop)
28 Wooden Wand – Farmer's Corner (Fire)
29 Amazing Snakeheads – Amphetamine Ballads (Domino)
30 Kemper Norton – Loor (Front & Follow)
Gigs Of The Year
- Sly & The Family Drone / Teeth Of The Sea / Part Chimp (August 9th, Supernormal Festival) – A triple-whammy of glorious demented noise.
- King Champion Sounds / Interrobang? (November 16th, The Ferret, Preston) – two of my favourite new bands of the year at their absolute peak
- Neutral Milk Hotel (May 18th, Manchester Albert Hall – as much as anything , because I never thought I'd see these songs played live again.
- Richard Dawson / Rhodri Davies / Pentecostal Party / Nev Clay (November 1st, Star & Shadow) – a celebration not just of Dawson but of the incredible vitality of the Newcastle scene
- Southern Culture On The Skids (April 5th, Austin Continental Club) – because I was in Austin. Watching Southern Culture On The Skids. Duh!
Soundtrack Of The Year
Mica Levi – Under The Skin (Milan / Rough Trade)
Live Album Of The Year
Ambarchi / Campbell / Flower – Live At Tusk Festival 2013 (Tusk)
Compilation Of The Year
Harry Smith's Anthology Of American Folk Music (8 Album Boxed Set) (Mississippi)
Single Of The Year
Oren Ambarchi – Stacte Karaoke (Black Truffle)
Filed under: Narc | Tags: Detective Instinct, Dolly Parton, Joseph Curwen, Naomi Shelton, Narc, Shannon & The Clams, Swans, TUSK Mini
Filed under: Narc | Tags: Band of Holy Joy, The Cluny
Band Of Holy Joy
The Cluny, March 2nd
Despite a frustratingly short set in the middle of an oddly mismatched bill, Band Of Holy Joy totally overwhelmed me tonight. I'd waited twenty-five years to see them play and they still managed to exceed my expectations. Their recent Easy Listening album is the best of the year so far and the songs from it were wonderful – the dignified, measured rage at the heart of There Was A Fall, their forensically scathing account of the death of Ian Tomlinson; their gorgeous cover of Darryl Banks' timeless Open The Door To Your Heart, which saw singer Johny Brown beseeching and imploring like a North Shields James Brown. The band – four musicians managing to sound like so much more – did justice to the richness and ambition of the songs without ever lapsing into bombast, and clearly a had a blast on their cover of Penetration's Don't Dictate (which Brown introduced as having changed his life). And as great it was to finally see Tactless live – one of my very favourite songs – it was during the genuinely astonishing closer A Train Ride To Another Place that my arm hairs prickled, my heart soared and I was reminded all over again that Brown is without question the greatest songwriter the north east has ever produced.
(this didn't make it into the April edition of Narc magazine so I'm posting it here instead)
Filed under: Narc, Reading | Tags: AV Festival, Bill Callahan, Bong, Cath & Phil Tyler, Micah P Hinson, Narc, Test Dept, Year Of Birds
Quite a busy month for me in Narc, including another cover feature (and what a beautiful cover it is)
Filed under: Gigs!, Narc | Tags: Aidan Moffatt, Girl Sweat, Mogwai, Nina Persson, Rob Newman, Sleaford Mods, Sunn O))), The Tiger Lillies, TJ Muller, Ulver
Lots of my stuff in Narc this month. I'm pretty pleased with how the Tiger Lillies and Band of Holy Joy features came out
Filed under: 2013 Albums Of The Year | Tags: Caitlin Rose, Hey Colossus
I never thought this would happen but I just couldn't pick so we have a two-way tie for first.
Satisfyingly, the two albums sharing first place represent perhaps the two extremes of my taste, so there's a pleasing symmetry.
01. Caitlin Rose – The Stand In (Names Records)
Caitlin Rose's debut album Own Side Now was something of a gem: classic country songwriting with enough 'indie' elements for the hipsters, and dominated by Rose's amazing vocals – powerful without being overwraught, never resorting to warble or melisma. Here, Rose sounds even better, but a bigger budget means things have got fuller (great organ and brass, even some gospel-tinged backing vocals) without being remotely over-egged. There are covers, a collaboration with Gary Louris, even a loveable crack at Dixie jazz that works a treat. But mostly there is Rose with her solid gold songwriting and breathtaking voice and songs like No One To Call and Golden Boy that show up Shania and Taylor and the rest as shiny, empty clichés. – 5/5, Narc Review
01. Hey Colossus – Cuckoo Live Life Like Cuckoo (MIE)
This album is a fucking BEAST! 10 years after they formed, and a few months after they absolutely killed it at Supersonic, Hey Colossus are back with album number 8 and have clearly been re-energised by adding Tim 'Every Great Noisy London Band Ever' Cedar on drums. It's lazy – but fun! – to think of Hey Colossus as simply the bastard spawn of The Butthole Surfers and Killdozer, but as Cuckoo… shows, there's much more going besides arsequake noise (although there is PLENTY of that). Motorik epic How To Keep Time With Jesus sounds like Neu! down a K hole, Pit & Hope like a mutant Mogwai and Neanderthal opener Hot Grave is the very best kind of filthy riff nonsense. – 5/5, Narc Review


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15 Reasons JJ "Ruined & Destroyed" Star Trek
View Single Post
November 4 2012, 12:48 AM
Lord Garth
Re: 15 Reasons JJ "Ruined & Destroyed" Star Trek
Okay, wow.
was a potential thread-killer/mood-killer, I wrote up above.
So, to break the ice...
... Budweiser is a good company to invest stock in. It's still going strong 250 years from now!
Nokia. Either they have a retro-tune theme going on or they've kept the same sound for a quarter of a milennium. Either way, invest in them too. I have a Nokia myself. I'm not a shareholder though.
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Contributed by
While the Margarita is one of the most popular cocktails in North America, its origins are shrouded in mystery. There are almost as many stories about who invented the margarita as there are margarita recipes. Some like them blended, others with a sweetener, but many argue the best margarita recipe is this classic one. Memorize it and you'll never fail to impress.
Add the ingredients to a shaker and fill with ice.
Shake well and strain into a chilled cocktail glass or rocks glass filled with fresh ice.
Garnish with a lime wheel.
For a slightly sweeter drink, add a dash of agave syrup (one part water, two parts agave nectar) before shaking.).
Watch top bartender Jacques Bezuidenhout make a twist on the classic Margarita in our How to Cocktail video.
You must be logged in to post a comment.
Your margaritas sound deliciously wonderful.
Hello! heard someone say margarita! sated, please! :-D
Cocktails do have zing
Instead of Cointreau or triple sec substitute Agavero Orange.
Thanks Roy!
Really enjoy receiving your recipes. Valuable site!
R. Zuckerman
I have a realy great drink I would like to share with everyone My uncle invented it He calls it a Peach Bullfrog you need 4-5 med fresh peaches pitted and skinned sliced into large chunks 1-8oz can either frozen pink lemonade or limeade first put the prepared peaches in a blender then dump the frozen limeade in then using the frozen limeade can as a measure fill it with 7up and poor it in the blender then fill your can with either rum or tequila your choice put enough ice to blend well and blend it all up until it is smooth pour in a frosted glass and enjoy if you want or need a better recipe email me and I will send one to you when we would have a party everyone brought thier own blender and stuff and we would make them and then just drink out of our blenders it was great


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Two online tools to assess risks in venues and for productions in the live performance sector
Today, the European social partners of the live performance sector launched two online interactive tools to support risk assessment.
Follow-up project OIRA Tool for the Live Performance Sector: maximising its visibility and use
In their previous project "Developing a European Interactive Risk Assessment Tool (IRAT) for use in the Live Performance Sector" the European social partners successfully developed and completed an OIRA tool for the sector. The primary aim of that joint action was to provide a tool for risk assessment in the Live Performance sector in Europe. The Live Performance sector encompasses artistic productions and workplaces with such a diversity of elements to be considered in relation to occupational health and safety, that they can prove an enormous challenge. It is clear that special, sector-specific risk assessment approaches are vitally necessary. The production and finalisation of the OIRA tool was a very ambitious undertaking given the complexity of the productions and workplaces in the sector and the resulting massive range of risks to be taken into consideration. The social partners are absolutely committed to undertaking a second (and final project) to maximise its visibility and potential impact on working practices in the sector. The follow-up project starts in January 2015, of which the primary aims are to refine and review the OIRA tool so that it is more responsive to the needs of direct users, and to promote it and maximize its visibility and use in the sector across Europe. This project will seek to ensure that the European OIRA tool is tailored to meet the needs and expectations of different potential users and that it becomes a known and visible tool and reference in the European Live Performance Sector. The project is expected to be finished mid-2016.
consultation future use of the UHF - Lamy report
It is the responsability of the European institutions to make sure that the use of the 700 Mhz corresponds with general public goals. These goals include cultural diversity, pluralism and access to culture. The EU's objectives in the framework of the Digital agenda, require a fundamental engagement to guarantee that cultural content can continue to be offered.
Revision of US rules on ivory
The newly proposed rules will have an impact on travelling to the US with musical instruments containing ivory as they would remove the current prohibition on travel with those instruments legally purchased after 25 February 2015. Further requests of the music community related to easing international travel will be under consideration in separate rule-making procedures.
Activity report 2014
2014 was a year of elections for the European Parliament and a new European Commission taking office in a new working format. As Europe is facing its macro-economic and political challenges, so does our sector. Behind encouraging results of enthusiast and involved members of the audience, great artistic productions of outstanding level, the organisations itself are operating in a reality and a context which is putting them more and more under pressure, of which some to a level that will may no longer hold, no matter their international reputation. With lesser financial means available and increasing costs, growing pressure of regulatory burdens and administrative obstacles, live performance organisations need policies which give oxygen to the sector. This is what Pearle*, the largest and biggest representative of the music and performing arts in Europe, is asking the European institutions for the coming years. It is formulated in 13 EU policy areas and 42 priorities.
Upcoming events


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My 10 month old is currently in a daycare in mid-WEstchester- but im not sure i want to keep him there.
I live in Lower WEstcheser- any nanny or in home daycare recommedations? i know most of the daycare facilities are expensive and closer to white plains, which is fine, but most of them have waiting lists, and are more expensive than the one he is at.
if anyone has nanny referrals or a place that they send their kids in lower westchesteR- HELP! :)


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A platoon of black American soldiers surround a farm house in an unknown French town, searching for a German sniper who had been holding up the advance of the Allied invasion of Normandy, France, June 14, 1944. (AP Photo)
"We think the company is a good example of how a startup can succeed the old fashioned way, by finding a product or service people want and selling it."
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BOLLYWOOD; after Hollywood!! Quiz
Tests others are taking
The Crossdresser Dating (and more) Test
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The Top or Bottom Quiz (Gay Guys)
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So sorry, but only 4 items are allowed for comparison. I blame the gnomes and so should you.
Would you like to compare the products you have selected now?
So sorry, but this item is sold out.
You probably would've looked amazing with it too.
We do have some similar items available right now though.
Check out ClimbingView Other Similar Stuff
The Edelweiss Curve Arc 9.8mm Rope is a single rope for climbing lightweight. At the 9.8mm diameter, you'd better be a tried and true climber, as this isn't for beginners. Soft handling and fluid, you'll be sending up the rock in no time. Arc in the name means it's bi-pattern, so you know right when the changeover happens.
|Rope Diameter:
|9.8 mm
|Best Use:
|Climbing, Sport Climbing, Ice and Mixed Climbing
|Dry Treament:
|Dry Core
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Spend $12 in Moosejaw products OR at least $49
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Book your room at Baymont Inn And Suites Marshall, TX
Please enter your travel dates.
Get an overview of this hotelFamily-friendly motel with free breakfast and fitness center
This family-friendly Marshall motel is located in the suburbs, 1.6 mi (2.6 km) from Texas State Technical College, and within 6 mi (10 km) of Oak Lawn Municipal Golf Course and Harrison County Historical Museum. Michelson Museum of Art and Starr Family Home State Historic Site are also within 6 mi (10 km).
Property Features
Along with a fitness center, this motel has coffee/tea in the lobby and a seasonal outdoor pool. Free continental breakfast, free WiFi in public areas, and free self parking are also provided. Additionally, a business center, conference rooms, and meeting rooms are onsite.
Room Amenities
All 87 rooms offer conveniences like refrigerators and microwaves, along with free WiFi, free wired Internet, and cable TV. Guests will also find coffee makers, free newspapers, and free local calls.Information missing or incorrect? Tell us!
Hotel Amenities
Hotel Amenities
Baymont Inn And Suites Marshall, TX features a fitness center and a seasonal outdoor pool. Public areas are equipped with complimentary high-speed wired and wireless Internet access. Business-related amenities consist of a business center and meeting rooms. A complimentary breakfast is offered. This family-friendly motel also offers coffee/tea in the lobby, complimentary newspapers in the lobby, and laundry facilities. Onsite self parking is complimentary.
- Free newspapers in lobby
- Fitness facilities
- Meeting rooms
- Business center
- Conference space
- Total number of rooms - 87
- 24-hour front desk
- Laundry facilities
- Television in lobby
- Coffee/tea in lobby
- Outdoor seasonal pool
- Number of floors - 2
- Free self parking
- Free breakfast
- Free WiFi
- Free wired high-speed Internet
Family Friendly Amenities
- Family Hotel
- Free Wi-Fi
- Rollaway/extra beds available
- Laundry facilities
- Refrigerator
- Microwave
Available in all rooms: Free WiFi , Free wired high-speed Internet
Available in some public areas: Free WiFi , Free wired high-speed Internet
Free self parking
Room Amenities
- Premium TV channels
- Pay movies
- Free newspaper
- Air conditioning
- Free local calls
- Refrigerator
- Coffee/tea maker
- Microwave
- Private bathroom
- Free toiletries
- Hair dryer
- Shower/tub combination
- Cable TV service
- Iron/ironing board
- Daily housekeeping
- Desk
- Rollaway/extra beds available
- Cribs/infant beds available
- Free WiFi
- Free wired high-speed Internet
Where to Eat
Guests are offered a complimentary continental breakfast.
Nearby Activities
Recreational amenities at the motel include a fitness center and a seasonal outdoor pool.
To make requests for specific accessibility needs, complete the "Special or Accessibility Requests" section of "Trip Preferences" when you book your hotel.
- Accessible bathroom
- Accessible parking
Hotel Policies
Check-in time starts at 3 PM
Check-out time is noon
Payment types
Pets allowed
You need to know
Extra-person charges may apply and vary depending on hotel policy.
Government-issued photo identification and a credit card or cash deposit are required at check-in for incidental charges.
Special requests are subject to availability upon check-in and may incur additional charges. Special requests cannot be guaranteed.


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One of the nation's most acclaimed Italian restaurants
Since opening in 1998, Vetri has built a reputation on its consistently delicious and authentic Italian cuisine served in a small and intimate setting. And now its reputation is growing — it's not only considered one of the best restaurants in Philadelphia, it's also considered one of the best Italian restaurants in America.
Vetri's menu changes seasonally, featuring both classic and contemporary Italian dishes. Chef Vetri, who acts as Vetri's co-owner, hand-selects local ingredients to amplify the menu's offerings.
Famous for his fresh, supple pasta, Vetri also serves outstanding appetizers, main courses and desserts, including the whole roasted branzino with truffle sauce and the venison loin with quince and bitter chocolate sauce.
Wine Cellar
Vetri's award-winning wine cellar houses more than 5,000 bottles. Its 500 labels feature selections from 17 Italian growing regions, in addition to several distinguished wines from Austria, France, New Zealand, Australia and California.
To help navigate the extensive wine list, a sommelier is on hand to serve as your personal guide.
The restaurant's dining room is reminiscent of an intimate Italian trattoria — there is a mahogany cheese cart, a 1958 Faema Urania espresso machine and a beautifully restored 1948 Berkel meat slicer, on which Chef Vetri slices homemade prosciutto for guests to enjoy.
Insider Tip
On Saturday nights, the chef and sommelier pull out all the stops by creating customized, multi-course tasting menus for each table.
On these special nights, guests are treated to a seamless succession of dishes and wines personalized to each individual's taste.
1312 Spruce Street
Philadelphia, PA 19107
(215) 732-3478
In the neighborhood
Holiday Inn Express Midtown
1305 Walnut Street
Philadelphia, PA 19107
(215) 735-9300
- Alexander Inn
- Hyatt at The Bellevue
- The Morris House Hotel
- The Independent Hotel Philadelphia
- Rodeway Inn Center City
- DoubleTree By Hilton Philadelphia Center City
- View more hotels
Museums & Attractions
Merriam Theater
250 S. Broad Street Philadelphia, PA 19102
- The Athenaeum of Philadelphia
- The Bourse
- The African American Museum in Philadelphia
- Starman in the Ancient Garden
- City Hall
- Philadelphia Open Studio Tours
- National Museum of American Jewish History
- Walnut Street Theatre
- The Genealogical Society of Pennsylvania
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Yakima Q Clips: Fastening down your Yakima Q Towers, the Yakima Q Clips are designed for a precise, strong fit. Refer to Yakima Fit List to determine size and number of Q Clips needed for your vehicle.
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Using collaborative principles and techniques, builds capacity of research teams, public agencies, municipalities, nonprofits, and businesses to fund, conduct, and use credible, relevant science to address critical community challenges related to ecosystem-based management; climate change adaptation and mitigation; community planning; water quality management; and habitat restoration and conservation.
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A team from Arizona State University's (ASU) Office of Environmental Health and Safety visited campus February 10th to learn about the university's Chemical Environmental Management System (CEMS), reports Brad Manning, director of Environmental Health and Safety.
To be considered for a student Operator position, you must be a 1st or 2nd year undergraduate. Your application will be reviewed upon receipt. You should be contacted within two weeks of submission. You may call Tucker Hurton at 862-4636 for the status of your application.
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Click here to print the obituary below
Stanley Dyer(1954 - 2013)
Stanley "Gonzo" Dyer
BUCYRUS: Stanley A. Dyer, 58, died peacefully in the presence of his family Thursday afternoon, August 8, 2013 after fighting a fierce battle with cancer.
He was born in Bucyrus September 2, 1954 to the late Otha Dyer and Pauline (Butler) Dyer who survives in Bucyrus. He attended Bucyrus Schools and worked locally at a number of places including Swan Rubber and Checkmate. He traveled all over the country and into Canada as a salesman as well.
Stanley will be remembered as an easygoing, kind-hearted man who took life as it came. When he was a kid, he earned the nickname "Bugsy" for his orneriness and was later known to his friends as "Gonzo." Stan enjoyed fishing (a hobby he took up as a kid with his father), camping and relaxing and telling stories with friends.
Stan is survived by his mother; three children, Kelly (Donald) Kimmerly, Kristina Grooms and Eric Michael Dyer, all of West Union; seven grandchildren, nine great grandchildren; brother, Terry (Kay) Dyer; sisters, Kathy (Michael) Neeld, Kaye (Steven) Hildreth, Kenetta Dyer and Pamela Dyer; several nieces and nephews and close friends in Portsmouth, Connie, Donnie and Alisha Cooper and Alisha's children, Carly and Gage.
In addition to his dad, Stan was preceded in death by his brother, James; nephews, Will and Jake Dyer and great niece, Jocelyn.
Funeral services for Stanley will be held at Wise Funeral Service on Monday, August 12 at 1:00 p.m. with Lyle Arnett officiating. Friends may call two hours prior to the service from 11-1 and burial will follow in Crawford County Memory Gardens.
In lieu of flowers, the Dyer family requests contributions be made to Wise Funeral Service to assist with expenses. Memories can be shared on Stan's obituary page at
Funeral Home
Wise Funeral Service
129 W Warren St
Bucyrus, OH 44820
(419) 562-6811
Published in the Telegraph-Forum on Aug. 10, 2013


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You won't believe these jokesters!
David Beckham went undercover at Target on "The Ellen DeGeneres Show" as a worker named "Ricky," and pretended to sell cologne to customers in the store.
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Hike marks battle siteSeptember 13,2013Sunday hike
marks battle site
HUBBARDTON Outdoor and history enthusiasts can follow the evacuation route taken by American soldiers during the Revolutionary war during a guided hike, from 2 to 5 p.m. Sunday at the Hubbardton State Historic Site.
Site interpreter Carl Fuller will help reveal the great distances soldiers covered in a short period of time during and after the July 7, 1777 battle. Admission is $2 for adults and free for children younger than 15. Hikers should wear sturdy shoes or boots and bring water.
The event is part of Vermont Archeology Month. The Hubbardton State Historic Site is the location of the states only Revolutionary war battle. For more information, call 273-2282.MORE IN This Just In
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Shares of fitness wearables maker FitBit (FIT) are open on New York Stock Exchange for the first time, and the price has soared to $30.29, nearly 52% above the offer price of $20.
As mentioned earlier, CNBC this morning chronicled how the price has surged from an original range of $14 to $16 back on Monday.
As FitBit, maker of wearable fitness technology, prepares to open for trading on the New York Stock Exchange, the price is creeping up from the $20 formally set last night to an indicated open of $28 to $31.
CEO James Park was on CNBC a short while ago with Jim Cramer and Scott Wapner. When Cramer gestured toward park with his metal-link Apple (AAPL) Apple Watch, asking "Why is this not the end of you?" meaning, the fitness features in Apple's device.
Park pointed out that the market for personal health products in the U.S. is $200 billion annually. So, there's plenty of room for everyone, he said. Asked about further initiatives beyond the existing products, Park replied, "The next step is software that really makes sense" of the data gathered.
FitBit will have a market cap of $4.1 billion with this roughly $700 million capital raise. Cramer, speaking on air before Park came on, noted the company is already profitable, trading at 42 times trailing earnings.
CNBC's Bob Pisani a short while ago CNBC's Bob Pisani offered a summary of how the price for the shares has changed this week:
Shares of enterprise file sharing technology vendor Box (AAPL) are up $1.81, or 10%, at $19.60, in late trading, after the company this afternoon reported fiscal Q1 revenue and profit per share that topped analysts' expectations, forecast this quarter's revenue higher, and raised its year outlook.
The report is only the company's second since coming public in January, and a big turnaround from a fiscal Q4 loss in March that was deeper than expected and sank Box shares at the time.
Revenue in the three months ending in April rose 45%, year over year, to $65.6 million, yielding a net loss of 28 cents a share, excluding some costs.
Analysts had been modeling $64 million and a 31-cent loss.
The company said its billings rose 58% to $69.8 million.
Customer count at the end ofnrhe quarter was 47,000, while user count rose to 37 million.
CFO Dylan Smith said the company was "proud" of its revenue growth, which he attributed to "moving up market and closing more enterprise deals," and said the company remains "committed to achieving positive free cash flow," adding, "Our Q1 results show the progress we have made toward this milestone as we demonstrated significant improvement in our operating cash flow."
Box burned through $7.2 million of cash on an operating basis.
For the current quarter, the company forecast revenue in a range of $69 million to $70 million, above consensus for $68.3 million.
For the full year, the company sees revenue in a range of $286 million to $290 million, up from a proper forecast for $284 million to $285 million. That is above consensus for $285.9 million.
Shares of online retailer and "maker" movement hub Etsy (ETSY) are down $4.29, over 20%, at $16.71, after the company yesterday afternoon beat Q1 revenue expectations in its first report as a public company, but also said expenses are set to rise, and declined to provide a specific forecast for this quarter's results, citing the ongoing impact of the rising U.S. dollar.
A big worry on top of the spending and the dollar, was the slow-down in so-called "gross merchandise sales," the value of goods transacted on the site. That was just 28% in the quarter, down from the 33% growth seen the quarter before. That's despite the fact the company is still growing fast, with revenue up 44% from the prior-year period.
Remember that coverage was fairly tough from the Street out of the gate, with most underwriters of its April 16th IPO having a holder or lower rating on the shares.
Brian Nowack with Morgan Stanley today reiterates an Equal Weight rating on the stock and a $20 price target, writing that currency was a big factor in the slowing, while the underlying trends still seem sound:
A material portion of this deceleration is due to thestrong U.S. dollar adversely impacting cross border trade and int'l buyers' willingness to buy dollar denominated goods. As shown in Exhibit 1, we estimate that GMS from int'l buyers buying from U.S. sellers (weestimate 26% of the business) decelerated by 2,200 bp, while the rest of ETSY's business (U.S. to U.S. buyer and seller and other local transactions) only decelerated by 700bp. No denying growth is slowing faster than we believe investors expected, but currency is playing a role.ETSY expects this to continue to bea headwind into 2Q given thestrength of the dollar, which causes us to reduce our 2015 GMS by 1%. The larger seller service revenue more than offsets the lower GMS as we raise our '15 revenue by 5% and EBITDA by 25%. The slower than expected (by investors) GMS growth may weigh on the multiple near term.
Wedbush's Gil Luria, who has an Underperform rating, cut his target a buck to $13 from $14, writing that the company will continue to "enjoy rapid near-term growth within its niche as it increases marketing spend," but that "we believe the dilution of the brand by potentially counterfeit and mass manufactured items will curtail listing and revenue growth."
Counterfeits are a longer-term worry, argues Luria:
We believe the deceleration in growth may get exacerbated down the line as the company grapples with the impact of mass manufactured (see initiation) and potential counterfeit items on its marketplace (see downgrade note). Although we may personally lack the context to definitively identify an item as infringing on a brand's copyright, we are comfortable with the opinions of the three intellectual property lawyers we spoke with regarding this topic. We posit that even a common sense test of the items on the following pages can help separate potential violations from fan art. We would also note that the blog post quoted by management during the call indicated not seller frustration with anti-fraud measures, but rather, concerns around insufficient implementation of those measures.
Goldman Sachs's Heath Terry, who has a Neutral rating on the shares, writing that "While we
view Etsy as a leader in a potentially large addressable market segment, with the stock trading at 7X 2016E EV/Sales, we believe a high degree of success is already priced in."
Shares of Facebook (FB) are down $1.18, or 1.5%, at $77.63, just a tad worse than the overall Nasdaq decline, as the Street mulls the complaints of North Star Asset Management, which is contesting CEO Mark Zuckerberg's 55% voting control of the stock through class-B shares, a so-called "super-voting" arrangement by insiders.
Some of the background can be found in a Financial Times "FastFT" post yesterday, with reporting by the FT's Tim Bradshaw.
The person leading the charge, North Star's Julie Goodridge, was on CNBC a short while ago, talking with host Scott Wapner and the "Fast Money: Halftime" crew.
Wapner asked Goodridge, whose firm manages $250M, whether she bought at Facebook's 2012 IPO, and when she acknowledge as much, he pointed out "You knew what you were getting…?"
"We did," replied Goodridge, "I knew you were going to say that."
She continued, "But here's the thing: If you look back in history, companies that have unequal share structure tend to underperform."
"Even if you look at what happened when Facebook first came out, the shares dropped by 50%. One insider, a guy still sitting on the board, sold 80% of his shares in Facebook. That's a problem."
Also on the program was investor Rich Pzena. He asked Goodridge, "One of the issues you have when you eliminate the super voting rights is that the people who give up those shares want huge amounts of money to do so; would you be wiling to pay that money?"
Said Goodridge,
I don't know how much money we would need to pay. The situation we are dealing with is that if you look at just the 2.5 billion shares outstanding, Zuckerberg and other insiders own about half a billion, or 20% of the outstanding shares. That's plenty of money in my personal opinion, and in the opinion of my clients. I'm not convinced they need to be bought out. I think shareholders need to have some say. Especially around auditors, who's sitting gone the board, and electioneering contributions, and that sort of thing.
Wapner noted, "the stock's up around one hundred and something percent," since Facebook's IPO, and so "What's there to complain about? What could be better?"
Said Goodridge,
I would be even more thrilled if I had some authority to choose board members, should somebody go off the deep end. Last year, we had this resolution with our co-filer, and we got 17% of the vote. That was simply because the majority of the votes were cast by these super-majority holders. We would have had 63% of the vote, if there had not been that super-majority vote cast. Shareholders are interested in having a vote at the annual meeting that is equivalent to that of insiders.
Wapner asked Goodridge if North Star owns Google (GOOGL), and she acknowledge it does, noting "We have got the same resolution pending there."
Trader Stephen Weiss remarked after Goodridge's appearance that "FB is trading at $77, and I think even without the super-voting shares, it would still be. It's not an issue now. Why not just own Alibaba [Group Holding]?"
Trader Jon Najarian remarked of the super-voting shares that "it's because of the possibility of an activist situation that this was put in, to prevent that."
"If they had to pay a bunch of money to give it up, this would become an activist target."
But Weiss ended the segment commenting, "She's [Goodridge] trying to raise the profile of her firm to get more assets, that's all it is."
The initial public offering of online retailer and "maker" movement hub Etsy (ETSY) has just opened for trading at $31, well above the $16 at which it priced last night, which was itself at the high end of a previously stated price range of $14 to $16.
The shares have quickly moved up to $34.71, and as high as $35.74 so far.
Online retailer and "maker" movement hub Etsy (ETSY) this afternoon filed with the Securities & Exchange Commission a form S-8 listing $16 as the price for its forthcoming public offering on Nasdaq.
The price is at the high end of the company's range of $14 to $16 offered in its revised filing last week.
With expected shares outstanding following the offering of 110.96 million, the company would be worth $1.78 billion using the upper end of the filing range.
The total offering size at $16 is $312 million, though only a portion of that will go to Etsy.
Shares of video game house Zynga (ZNGA) closed down 52 cents, or 18%, at $2.38, extending last night's after-hours session losses, after the company said CEO Don Mattrick is stepping down to return to his home of Canada and pursue his next challenge, and that Zynga founder Mark Pincus will resume his role as chief.
The mood on the Street today is fairly grim.
BTIG Research's Rich Greenfield, who had loudly called for Mattrick to leave, today writes "be careful of what you wish for."
"Mattrick out is a clear positive for Zynga. That is the good news."
Greenfield recalls a litany of complaints against Pincus, who basically hoodwinked Greenfield and investors, by Greenfield's account:
Our downgrade of Zynga from BUY to Neutral in July 2012 entitled "We Are Sorry and Embarrassed by Our Mistake" was the direct result of misleading comments Zynga's then CEO, Mark Pincus made to us and major Zynga shareholders at the time. Remember, Mark Pincus was one of the key beneficiaries of the early exit from the post-IPO lock-up that enabled him to sell a portion of his Zynga holdings at $12/share, just months before the company announced a dramatic shortfall vs. expectations with the stock collapsing to $3. In addition, remember, Pincus was the driving force behind the OMGPOP (Draw Something) acquisition that Zynga ultimately shuttered.
Needham & Co.'s Sean McGowan, who had a Buy rating on the stock, and a $3.25 price target, today writes that he's suspended that rating, referring to uncertainty born of "a lack (so far) of a clear explanation of why Mr. Pincus is the best choice now to run the company."
Zinga's "turnaround" is "incomplete," writes McGowan, as "Zynga doesn't have a single game ranked among the top 15 grossing game apps on iOS or Android."
Mattrick's departure is part of a pattern, a bad pattern:
We view this latest move as another example of inconsistent management at ZNGA. In a move engineered by ZNGA's Board, Mr. Mattrick was recruited in July of 2013 to "fix" the problems that arose under the leadership of the founder Mr. Pincus. Mr. Mattrick was brought in at great expense, and quickly began reshaping ZNGA, cutting operating expenses significantly, executing a major acquisition within six months, and reconstituting a "fluid" executive suite with his own hires. A mere 20 months later, Mattrick's departure and replacement by Pincus, who was considered by the Board to be not the right choice to head the transition from Facebook to mobile, seems much more a sign of trouble than of success.
Doug Creutz of Cowen & Co., reiterating a Market Perform rating, quotes The Who: "Meet the new boss, same as the old boss," writing that while he was critical of Mattrick, "were are very skeptical that bringing back Pincus, who created the problems that Mattrick was brought in to fix, is the answer."
Creutz is surprised by Mattrick's departure, and he thinks a moment of truth is at hand about the company's forthcoming game titles:
With Dawn of Titans and Empires & Allies currently undergoing regional beta testing, we suspect the moment of truth is not too far away. One could infer that Mattrick's ouster/exit suggests a lack of confidence in these titles, however both appear to be performing fairly well thus far (Empires hit peak levels in the top 20 grossing iPhone games in 8 of its 9 geo-lock countries, including reaching #2 in Singapore, New Zealand, and the Phillippines, while Dawn has reached as high as #17 top-grossing in its sole geography, Saudi Arabia).
He also thinks Pincus will bring further disruption:
However, even more surprising is the fact that Mark Pincus has returned to the CEO role (with no indication that this is intended to be temporary). Zynga's core problems of low game quality, lack of innovation, a misunderstanding of mobile, and a negative internal culture all emerged during Pincus' initial leadership of the company. We suspect Pincus' return will bring more internal disruption to a company that has had few moments of peace over the last three years, and as we have often said, disruption is not conducive to a successful creative process. We note that Pincus does have majority voting control of the company; we have always viewed this as a significant risk for shareholders.
Sterne Agee's Arvind Bhatia, reiterating a Neutral rating, writes that "This situation makes us incrementally more cautious on the stock as it clouds the potential for a near-term turnaround at the company" and is "unlikely to reassure either investors in the stock or the employees of the company."
He's worried about additional departures:
We see risk of additional departures at the C-level. Recall, Mattrick added Clive Downie (COO) and David Lee (CFO) to his team shortly after he joined Zynga. We think these executives were attracted to Mattrick's vision, and with his departure, we wonder if they will ultimately leave as well.
Like Creutz, he's fixated on the forthcoming titles' challenges, noting "Each of them will be attempting to compete against a strong incumbent in their respective genres, i.e., it won't be easy to break through, unless the games are of very high quality."
Here are some things going on today in your world of tech:
Tech M&A, real and imagined
It was a banner day for M&A.
Shares of Twitter (TWTR) were strong out of the gate, apparently boosted by chatter about a potential takeover, chatter emanating from who knows where.
The stock got a boost later in the day by positive remarks from Dan Niles of AlphaOne Capital Partners, who said he likes several developments for the company despite the stock's expensive valuation.
The positives include a renewal of a 2011 deal with Google (GOOGL) to feature tweets in search results; the development of new capabilities such as the Periscope video streaming tool; and the prospect that ad load can increase on the site, boosting ad revenue.
Among actual deals, shares of enterprise data management software maker Informatica (INFA) rose $1.96, or 4.3%, to close at $47.79, after announcing it agreed to a $5.3 billion takeover by private equity, equating to $48.75 per share.
The company disclosed in a filing with the Securities & Exchange Commission that there's a $160 million breakup fee the company has to pay if it were to walk away from the deal.
It also lists parties providing debt to fund Permira Funds's purchase: Merrill Lynch, Credit Suisse, Goldman Sachs, Macquarie Capital, Morgan Stanley, Nomura, and RBC.
Following Informatica's announcement, Mizuho Securities's Abhey Lamba asserted there might be greater awareness of software M&A prospects in general, noting that Citrix Systems (CTXS) could be a good takeout candidate. Citrix stock rose 10 cents to close at $63.26.
How about combining two hot topics, 3-D printers and China?
3-D printer maker 3D Systems (DDD) continued on the acquisition trail, announcing it is buying services bureau Easyway Design and Manufacture Co. of China for undisclosed terms. 3D shares fell 32 cents, or 1%, to close at $28.35.
Puts and takes for estimates, currency
It was a busy day for estimate cuts, too.
Citigroup hardware analyst Jim Suva writes "We are reducing our sales and earnings estimates below consensus across our entire coverage due to currency headwinds." His top pick is still Apple (AAPL), based on continued user growth in iPhone and "attractive valuation," and he likes Hewlett-Packard (HPQ) for its breakup value.
Rosenblatt Securities's Jun Zhang, reviewing the supply chain for TVs, wrote that there's a buildup of panel inventory and that "We believe 4K TV inventory is high and 4K TV panels are oversupplied. We believe AU Optronics (AUO) and Himax (HIMX) will face more pressure in the following months."
UBS's Amitabh Passi wrote in a note to clients that he cut estimates for firms with broad exposure to the euro on that currency's slide against the U.S. dollar.
"Euro-denominated sales are ~30% of sales for Arrow [Electronics (ARW), Avnet (AVT), and TE Connectivity (TEL) and ~20% for Amphenol (APH)."
One are where he's less concerned is with Cisco Systems (CSCO), for whose shares he reiterated a Buy rating, writing that the company is well positioned as networking converges Internet packet routing with optical wavelength management. He also likes Ciena (CIEN) and JDSU (JDSU) in that regard.
On a positive front, Cantor Fitzgerald's Brian White reiterated a Buy rating on Apple, and a $180 price target, writing that his survey of reported results from Apple suppliers showed results in the month of March that "came in well above historical seasonality."
"In fact, this was the second-best March performance since the iPhone has been on the market," wrote White.
Apple stock today traded down $1.34, or 1%, to close at $126.
Wall Street needs Big Iron
Elsewhere in hardware, Deutsche Bank's Sherri Scribner writes that she attended something in New York called "High Performance Computing for Wall Street" that involved discussion of Big Iron for things like high-frequency trading and prop desk data analysis.
As she describes it IBM showed off its "Power" computers, HP its "Apollo" server, drive maker Seagate showed "ClusterStor" for "scale-out" and "high performance computing," and Violin Memory showed its "7300 Flash Storage Platform."
Her conclusion: "We believe the trends towards cloud and Big Data are positive growth drivers for well-positioned hardware and HDD companies."
Raising Splunk, Xerox
Among ratings changes, shares of enterprise Big Data software maker Splunk (SPLK) rose $1.91, or 3.2%, to close at $62.09, after Piper Jaffray's Katherine Egbert raised her rating on the shares to Overweight from Neutral, with a $77 target, writing that a 13% slide in the last couple months creates a more attractive opportunity for a company with good business trends.
Elsewhere, Citi's Suva, not only likes Apple and HP, he also likes Xerox (XRX), and in fact upgraded the stock today to Buy from Neutral, based on "improving signings and cash build up for accretive M&A to boost future quarter sales and earnings coupled with compelling valuation."
Xerox shares rose a penny to $12.96.
Where have all the tech IPOs gone?
Reviewing the initial public offering market today, Canaccord's Richard Davis asks why there's been so few tech offerings three months into the year.
"Year-to-date there has been two tech IPOs: Box (BOX) and GoDaddy (GDDY) The reason is two-fold: first, the pipeline was drained/pulled forward during last year's mini-mania, and second, the pre-IPO $50-100 million financings funded by public money management firms has let some steam off the kettle."
Shares of domain name registrar and hosting outfit GoDaddy (GDDY) are up $6.07, or over 30%, at $26.07 on their first day of trading as a public company after pricing at $20 this morning, above an expected range of $17 to $19.
GoDaddy had revenue last year of $1.39 billion, up 23% from the prior year, with a loss of $143.3 million, down from $199.88 million.
The company recorded "Adjusted Ebitda" of $271.5 million in 2014, up from $196.3 million.
The company made $128 million in free cash flow in 2014, after $52 million in investment in plant and equipment.
Some of the proceeds of the offering will go to paying down a balance sheet that had been levered up when the company was taken over by private equity. GoDaddy has an accumulated deficit of $675.82 million, or $52.2 million on an adjusted basis. It has long-term debt of $1.42 billion, compared to cash and equivalents of $138.97 million.
More is of course available in the company's IPO prospectus.
Tech Trader Daily is a blog on technology investing written by Barron's veteran Tiernan Ray. The blog provides news, analysis and original reporting on events important to investors in software, hardware, the Internet, telecommunications and related fields. Comments and tips can be sent to: email@example.com.


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September 27-29, 2015
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The National Marine Lenders Association (NMLA), your trade association for recreational boat financing and the marine industry, hopes you plan to join us for our 36th Annual Marine Lender's Conference at the newly remodeled Naples Grande Beach Resort in beautiful Naples, FL.
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Sweet Potato Muffins
Source: Louisiana Sweet Potato Commission
A perfect complement to pork, ham or turkey entrees.
1 3/4 cup white all purpose flour
1 tsp baking soda
1 tsp low sodium baking powder
1 tsp ground cinnamon
0 3/4 cup brown sugar
0 1/4 cup sugar
0 1/2 cup fat free milk
15 oz canned yams
1 tbsp grated orange peel
0.3333 cup orange juice
1 each Eggs, large, raw
1 each egg whites
0.3333 cup canola oil
1 tsp vanilla extract
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Disney Cover Band Makes Things Awkward in the Park
No Beer Bottle Opener? All These Things Should Do the Trick
Dad Channels His Inner Lionel Richie to Feed Son, While Toddler Goes 'Indy'
Pranksters Bait Bike Thieves With Painfully Hilarious Results
Wedding Hires Hypnotist as Entertainment, Guests Find Him Entrancing
Stripper T-Rex, Bad Basketballer
Bullish Bear, Chompy Catfish
Sometimes You Just Have to Get Creative When Pulling Your Kid's Loose Tooth
Bros Tackle Gym Etiquette With Drake 'Back to Back' Parody
Why 'Aladdin' Would Never Be Made Today
There's Nothing Cuter Than Watching This French Bulldog Doze Off
A Compilation of Pole Dancing Fails
Kate Winslet Makes a 'Butt Face' With Jimmy Fallon
Tony the Tiger is Back in Raunchy Parody
Indulge Your Inner Misogynist With This Hilarious Sketch on Driving With Women
Hoverboarding Police Officer Prank
Get Ready for an Adorable-Induced Wave of Emotions
LeBron James is a Modern-Day Moses in New Commercial
Dudes Freak Out While Experiencing 'Insidious' in Virtual Reality
And the Next American Ninja Warrior Is. . . A dinosaur?
Netflix Settle: A Not-So-Perfect Way for Couples to 'Settle' on Something to Watch
South Carolina Woman Saves Two Pizzas, Dog From Floods
This is How Ronda Rousey Makes Her Game Face
Precious Peewee Football Players 'Whip/Nae Nae' During Game
Pet Surprises Are the Best Surprises
Elite Daily Sends Fairy Dust-Slinging Imposter Peter Pan to Disneyworld
- 1 of 487
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Originally posted by Misoir
I fear many people at this Occupy Wall Street because they are not doing this to assert our Constitutional and God given rights, many are Communists,
Socialists, and Radicals.
This content community relies on user-generated content from our member contributors. The opinions of our members are not those of site ownership who maintains strict editorial agnosticism and simply provides a collaborative venue for free expression.
All content copyright 2015, The Above Network, LLC.


text:
Free Shipping
Product Information:
Product Details
Weights & Dimensions
|Product Type: Conference chairs; Task chairs
|Style: Modern
|Base Material: Plastic
Upholstered: Yes
|Mechanism: Lever
|Locking Adjustments: Yes
|Swivel: Yes
|Ergonomic: Yes
Armed: Yes
|Exterior Seat Material: Fabric
|Back Height: Mid-back
|Back Type: Upholstered
|Headrest Included: No
|Footrest Included: No
|Adjustable Height: Yes
|Tilt Control: Yes
|Lumbar Support: No
|Life Stage: Teen; Adult
|Casters: Yes
|Heated Seat: No
|Heated Back: No
|Leg Type: Five-point rolling
|Commercial Use: Yes
|Country of Manufacture: China
|Assembly Required: Yes
|Additional Parts Required: No
|Product Warranty: 2 Years
About the ManufacturerJesper Office specializes in making modular office furniture for the home and small business, along with a complementary line of modular library and home entertainment furniture. The company, originally based in Denmark, has been designing and manufacturing high quality furniture since 1935. Today, Jesper Office is based in Bridgewater, New Jersey where it maintains a U.S warehouse and sales office along with several manufacturing facilities overseas.
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Overall Rating
Based on 4 reviews
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Comfy and easy to assemble Alexander from Beavercreek, OH on 05/06/2015 – Verified Buyer
My old desk chair broke and I needed a replacement. Usually, I go to stores and try tons of chairs out before buying one. This time I risked buying one online due to the other reviews. I put it together, sat in it, and was happy with my purchase. Pros: Ease of assembly, adjustable arms and back, priced well. Cons: None that I have noticed.
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They work Michelle from Henderson, NV on 09/11/2015
These chairs are very basic, and kind of look cheap. But for the conference space they work. I am afraid they might not hold up well overtime, but I could be wrong. Pros: shipping was fast Cons: seem a little cheap
Was this helpful? Yes 0 No 0
Very happy J from United States on 11/14/2013 – Verified Buyer
I did receive and am very happy with this chair. It is working out very well for me. The size and the quality are both great and exactly what I was expecting.
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Office chair. Al from Brenham, TX on 10/28/2013 – Verified Buyer
This chair is functional, but not very comfortable for long periods of sitting.
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Pomegranate and its extracts have antioxidant and anticancer properties that, while not conclusively demonstrated on human skin, show promise in animal and in vitro studies. Topical application of products containing pomegranate may improve the appearance of wrinkled skin by reducing inflammation and forestalling further damage. Research also shows that an extract from pomegranate peel has an inhibitory effect on the collagen-depleting substance MMP-1. [1,2,3]
References Cited:
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Letter: Absentee ballots are convenient and available to all voters
Larry Guess, Port St. Lucie
Subscribe to TCPalm.com and our Treasure Coast Newspapers
Ready to subscribe to TCPalm.com, The Stuart News, The St. Lucie News Tribune and The Indian River Press Journal? Choose between a Premium or Digital subscription below.
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Whatever the reason is, there's no time at all like today to attempt these organic treatments for acne and also aim to boost your skin to the most effective it can be. Fortunately exists's a great deal to attempt!
1. Remarkably, I just uncovered baking soft drink masks a couple of years earlier, as well as oh boy, is this things effective at removing skin! Cooking soft drink not just assists get rid of outbreaks as well as minimizes swelling, it is additionally an exfoliator and also aids eliminate dead skin cells! After one usage you could see a wonderful distinction in your skin.
2. To begin out, you could desire to water down a couple of tsps with fifty percent mug water or 1/4 mug water as it could be rather effective when used straight to your skin. Make certain to make use of apple cider vinegar that's raw, unfiltered as well as identified as "with the mommy", which has the most nutrients.
3. Use the coconut oil to your skin and also massage therapy it in. With coconut oil, there is no requirement to ever before make use of a cream once more, it functions so well and also does not congest your pores. For optimum advantage, usage natural coconut oil that is raw.
4. Tea Tree Oil Tea tree oil is a crucial oil as well as could be a quite effective all organic treatment for acne, as it is anti bacterial. Dip a cotton round right into the combination as well as use it to your skin.
5. Egg Whites For this, I'm not chatting regarding consuming them, they make a terrific all natural treatment for acne when made use of as a face mask! To utilize it, divide the egg white from the yolk, make use of a cotton round or you could utilize your fingers to use the egg white to your skin. Later on, your skin will certainly have an outstanding radiance!
6. Lemons have all natural anti bacterial and also astringent apartments to assist remove your skin. Use the lemon juice to your skin as well as leave on for 15 mins to a hr.
7. To utilize it, take a clove of garlic and also very finely cut it. Scrub the pieces on your skin, specifically any kind of trouble locations, making certain the juice of the garlic is used.
8. Not just, does the cool close your pores it additionally compels the germs out. You could additionally spray your face with chilly water to attain comparable influences.
9. This is a fantastic organic treatment for acne when you have a whole lot of soreness or irritability. You could use the corn starch to your specific outbreaks or to your entire face.
10. To utilize it, use the gel to your skin with your fingers, you could use it a number of times a day. Or you could possibly likewise merely obtain a natural aloe gel, I utilize this kind.
Generally, I utilize the cooking soft drink mask as well as coconut oil once a day. My skin is currently more clear.
More articles on Panacea


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Return to SwingLifeStyle.com The Swingers Home Page
There are a total of 13660 Letcher swingers, within 100 miles.
The list below is a subset of the swingers in the Letcher area.
Create a free swingers account so you can see and write to them all.
We are on the DL with some back problems.....hope to be back sometime :-(
does anyone seriously want to swing
Lets Have Some Fun
Needing new sex
we are looking for fun
Looking for fun couple or single woman for wife
Girl who thinks sex is fun
We like to play hard
just checking out the site so far
would love to meet a sexy couple or lady
looking for my first
Looking for a sexy open minded women
Enjoying the lifestyle!
taking a well deserved break <3
Looking for friends first then hopefully benefits soon after! LOL
Back from Hedo and still horny!!
Tired of being the good girl
send us the birdie! looking for some fun
Wet, wild and free.
Just looking to have fun
Active Swingers as of 13-Oct-15.
This site does not contain sexually explicit images as defined in 18 U.S.C. 2256.
Accordingly, neither this site nor the contents contained herein are covered by the record-keeping provisions of 18 USC 2257(a)-(c).
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Mallory and the Mystery Diary
G. Stevens, 1994 - Juvenile Fiction - 144 pages
While helping Stacey move back into her house in Stoneybrook, Mallory and Claudia find an old trunk containing the diary of a girl who lived in Stacey's house in the 1890's.
From inside the book
12 pages matching words in this book
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Review: Mallory and the Mystery Diary (The Baby-Sitters Club #29)User Review - Laura Hughes - Goodreads
Mallory finda diary full of hard to read handwriting and, as a result, I don't read half this book. Mallory and Stacey find an old diary in a trunk in the attic of Stacey's new house. The diary ... Read full review
Review: Mallory and the Mystery Diary (The Baby-Sitters Club #29)User Review - Edward Creter - Goodreads
The BSC is solving a mystery, long before the Baby-sitter's Mysteries was published! This one takes place after Stacy's mom had "got it goin on" by taking her back to Stoneybrook after mom and dad ... Read full review
Other editions - View all
Common terms and phrases
afternoon anyway Archie comics asked Buddy attic baby-sit Baby-sitters Club Barrett began Buddy's call Jessi casserole Charlotte Claire Claud Claudia club notebook comic books cried Buddy David Michael Dawn door downstairs Emily Encyclopedia Brown exclaimed flash cards floor friends ghost girl going Gosh Grandfather Hickman guess hand haunted Hickory's homework James Hickman Jared Johanssen junk food Karen Kid-Kit kids Kristy Kristy's live locks Madame Kristin Mallory Marnie Mary Anne McGill minutes moved Nancy Drew never Okay Old Hickory opened painting parents pencil portrait pretty replied Ring-Dings Roald Dahl sad noise seance Sesame Street sister sitting Sophie Sophie's diary Sophie's house Sophie's mother sound Stacey Stacey's house stairs Stoneybrook story stuff sure Suzi tell There's things thought told triplets trunk turned tutor Vanessa what's who's wonder words Yeah


text:
All quotes tagged Judgemental
(351 quotes found)
"For God all things are good and right and just, but for man some things are right and others are not."
"There comes a time when you have to stand up and shout:
This is me damn it! I look the way I look, think the way I think, feel the way I feel, love the way I love! I am a whole complex package. Take me... or leave me. Accept me - or walk away! Do not try to make me feel like less of a person, just because I don't fit your idea of who I should be and don't try to change me to fit your mold. If I need to change, I alone will make that decision.
When you are strong enough to love yourself 100%, good and bad - you will be amazed at the opportunities that life presents you."
"What doesn't kill us may make us stronger but what we grow up believing we have to change can sure keep us from learning anything."
"It's true that people change in time. You gain knowledge from experience, learn how to handle situations that you never knew how, before you lived threw it. I know for a fact I'm not who I use to be, many people don't know Me anymore, and I've stop paying attention to who you've become. Yet to judge who you don't know anymore is so foolish and extremely disappointing that your brain has such thoughts to think."
"Never mistake my silence for weakness. It takes great strength to hold your tongue when you know you are right."
"The Trap. If you can get in but cannot get out then it is a TRAP. And if you can do nothing about it then you are a RAT"
"Judge a man by his actions as that's what defines him but also remember we are only human and everybody makes mistakes this is how we learn and evolve"
"The judgement of the party is clear. He can go down in flames kicking and screaming or go down with dignity."


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Essie Turquoise & Caicos
193 reviews
65% would repurchase
Package Quality: 4.2
Price: $$$
Package Quality: 4.2
Price: $$$
on 9/18/2015 9:25:00 PM
Age: 25-29
Skin: Other, Other, Not Sure
Hair: Other, Other, Other
Eyes: Other
Absolutely terrible formula... one of the worst Essies out there. So watery it's almost impossible to keep it from pooling in your cuticles, and then it takes forever to dry. Color is quite nice, but I'd much rather use a close dupe.
on 8/9/2015 10:56:00 AM
Age: 36-43
Skin: Combination, Olive, Not Sure
Hair: Brown, Other, Other
Eyes: Brown
This was an Essie fail for me, the formula is so thin and watery. Very difficult to work with. And the color didn't wow me either, I thought it was a little tired and blah. There are a million turquoise cremes out there, it's not hard to find one that's better than this. I prefer China Glaze's For Audrey or Essie's Where's My Chauffeur.
I wouldn't buy this one again.
on 7/5/2015 2:41:00 PM
Age: 44-55
Skin: Combination, Fair-Medium, Not Sure
Hair: Blond, Other, Other
Eyes: Brown
Love the color, perfect for summer, but it took 4 good coats to get it so I couldn't see right through it. Now that it's done, it's a gorgeous blue/green that really pops in the sun! Just be sure to set aside a good hour to do those multiple coats. Probably won't repurchase
on 4/7/2015 10:21:00 PM
Age: 19-24
Skin: Combination, Fair-Medium, Warm
Hair: Brunette, Straight, Fine
Eyes: Brown
I repurchased a second bottle after my initial one got low. The formula isn't as bad as other essie polishes but it's still streaky and thin; it needs 3 coats. Overpriced for such a crappy quality but the color is just perfection. Wear time actually lasts pretty decently for me.
on 3/29/2015 7:57:00 PM
Age: 25-29
Skin: Combination, Fair, Not Sure
Hair: Brunette, Other, Other
Eyes: Blue
I recently purchased this polish and was very disappointed- the color looks gorgeous in the bottle, but it does not apply that way! It takes multiple coats to be opaque, so you need to have a lot of time and patience (not to mention very steady hands).
There are better formulas than this.
on 1/12/2015 12:48:00 AM
Age: 25-29
Skin: Combination, Fair, Not Sure
Hair: Brunette, Other, Other
Eyes: Blue
Love this polish for spring and summer.
Looks flattering on pale skin and the formula is pretty good.
on 11/23/2014 2:57:00 PM
Age: 36-43
Skin: Combination, Medium Brown, Warm
Hair: Brown, Other, Other
Eyes: Green
The formula is horrible! Its streaky,takes hours to dry & the color pulls murky on me.Wasted $9 including tax.
on 11/12/2014 7:57:00 PM
Age: 36-43
Skin: Combination, Other, Not Sure
Hair: Black, Other, Other
Eyes: Brown
I like this color a lot. It's a pretty summery minty green color. I am writing to whine about how streaky and thin this formulation is!! It took me 3 coats to get this opaque. And even then it wasn't as even as I'd like. Today I was just irritated and just painted over the nails with OPI I have a Herring Problem :( I wish this formulation was better. I think a base coat might have helped.
on 11/7/2014 9:56:00 AM
Age: 25-29
Skin: Combination, Fair-Medium, Neutral
Hair: Brown, Wavy, Coarse
Eyes: Brown
I hate to give a negative review to this polish--I love Essie, and this color is straight-up gorgeous, but all in all it's not worth it to use. I always forget how thin the formula is, but when I went to apply it the last time, it took 5 coats to reach opacity. The first coat is basically translucent. And while I don't mind using multiple coats, it took so long for it to dry that my nails were ruined within an hour of finishing, even with a fast-dry topcoat. It's a waste of time to use, at least for me, and there are similar colors with a better formula (if you're looking for a Tiffany-esque blue, China Glaze makes one called "For Audrey" that's great, but a bit more blue than the green of this polish).
on 11/1/2014 2:42:00 AM
Age: 25-29
Skin: Normal, Fair, Not Sure
Hair: Brunette, Other, Other
Eyes: Blue
I really love this color! I am pretty new to Essie, but it seems to stay on well and I love the way it looks on. This color is beautiful! My only complaint is that this color takes several coats to be opaque. I think, however, I might try priming white a few coats of white under it first, ip think that would help. But overall, yes, love this color.
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Umney's Last Case
Episode Reviews (6)
Wacky, Surreal, Whodunnit with a very large twist
Add together; the fictional world of 1950's private dick, a successful modern day writer affected by the tragic loss of his fun, throw in altering realities, a good dose of drama and Stephen King's style and you end up with this episode.
It is a very enjoyable way to spend an hour. One of the best told stories, expertly presented on the small screen. There actually isnt much to this story. Its not your regular whodunnit though you will find enough sadness and tragedy to keep you watching to see how events unfold.
It is the underlying complexity of the episode's reality though, that makes for an intriguing plot. Coupled with deep metiphorical meaning in every aspect of the story, from story background to characters, screenplay, dialogue, locations, etc - there is alot for those of us who dig this type of existential, philosphical story.
Macy is just superb playing both of the linked roles, carrying off both characters with aplomb, while drama of the unfolding situation and their fortures morph and gradually reverse bringing an ending full of resonance, yet gratifyingly unfinished.
I must point out though, that the beginning felt somewhat clumsy, overly energetic and rushed. However, looking back it feels very much in the style of the classic 50s/60s dectective whodunnits.... surreally so!
The middle act was totally different to the first, presenting the intriguing situation of writer meeting his creation and his creation realising his situation. The way King has Umney interpret modern day parphinaelia had me giggling.
Overall, this episode is more than a success and in essentially a series classic... due alot to Macy's acting abilities.moreless
A Classic Stephen King story.
Now, I've been a King reader for many years now, and any other King reader will know what I'm on about.
Stephen King always bases a character on himself (write what you know about, he was once told), and in this story it's blindingly obvious which character that is. This story twist around emotions, and not so much about trying to play with your mind, like the other ones in this series. Don't we all wish we could escape some how? Both the author and the detective are well portrayed, as is his wife. the story his simple and to the point, and reaches out to any viewer, right from the start. This is one of the reasons TV was invented.moreless
A writer takes the place of the character he created.
As far as alternate reality stories go, this is not a bad example. The writer showing up 'inside' the story is a very modernist, literary story-telling mechanism and it doesn't always work. In this story, it seems to work until you question the script, particularly the motives. Escaping into a simpler world may seem attrative, but a writer should know that there is always something more lurking underneath the fabric of the story. When even his wife knows about his fantasy about taking the place of his main character and when she is in agreement that the character would be preferable to the author, they both seem to forget that both are one and the same, so whatever the character could provide, the author 'should' be able to provide as well.moreless
William H. Macy RULES!
Being a lover of the "noir" genre and a huge fan of William H. Macy and of course Stephen King, I had high hopes for this episode.
They were met… sort of.
William H. Macy is superb, both as the detective and the writer. The plot moves along nicely. There's that "noir" dialogue I love so much, the over the top situations and the beautiful "dames". Nothing was missing.
When the writer comes in, things are well explained and his story maintained my interest.
I liked the premise of the story and the way they developed it.
The end however, felt a bit rushed. Disappointing. It didn't deliver. It's a shame but when the credits rolled, I felt a bit cheated.
Still a good try at adapting King.
Oh and Jacqueline McKenzie is absolutely gorgeous here. So pretty! So sexy!
I wasn't impressed by this one, even with the always-great William H. Macy in multiple roles. I've always had problems with characters in stories that are supposed to move between the real world, and the fictional, and this one does no better than others.
I wasn't impressed by "Umney's Last Case", even with the always-great William H. Macy starring in multiple roles. I've always had logical problems (if that's the right word for it) with characters that are supposed to move between the real world and the fictional, and this one does no better than others that have come before it.
Truth be told, I can't say I enjoyed the original story itself, either. Noir has never been one of my favorite themes, and the attempt in this episode seems especially forced. I also didn't care for how easily Mrs. Landry seemed to accept that Umney was, in fact, Umney, as opposed to her own husband experiencing a schizophrenic episode.
The Bottom Line: Thank goodness this was Umney's Last Case.moreless
Sam Landry is a writer of detective stories. He has had a tragedy occur in his real life. He uses his stories as a form of escape, and in order to cope. When things become too much for him, he writes himself into one of these and makes a change of sorts.
Ok, this was a really good story. Generally I don't like what the movies and television do with Stephen King stories and I had sworn off of them for ages. However, I am totally enjoying what I've seen thus far and Umney's Last Case is no exception. (I must admit that Crouch End was kinda strange but I liked it). Bill Macy was excellent in the dual role and I actually felt like I was reading a story. It was like seeing Stephen King himself writing and placing himself in the role of the character. The beginning caught me a little off guard, but that was ok, because it flowed right into the heart of the story and never once lost my interest. The ending was perfect Stephen King irony.moreless


text:
dress Forever 21 (similar here & here)/coat Anthropologie /
flats Zara (similar here)
c/o amethyst geode necklace Uncommon Goods
Jewelry can make or break an outfit so it's something I always put a little thought into when getting dressed. The right necklace or stack of rings can make plainer pieces look that much more polished, or put on too many pieces of jewelry and it takes away from an outfit. There's a fine line between too much and too little when it comes to accessories and I always try to be mindful of that.
This past weekend was Jay's sister's wedding shower and as much as I love to pile on the jewelry I knew I wanted to wear this dress (it's one of my faves) with something pretty and understated to compliment it. I ended up wearing this amethyst geode necklace from Uncommon Goods because it's beautiful and I'm a sucker for anything involving a crystal. Naturally it was my number one choice.
There are lots of unique, beautiful pieces on the Uncommon Goods website, with plenty of bracelets and rings right up my alley! I've linked some of my other favorites below, all of them have a bit of a boho vibe, which is not surprising. My birthday is next month and I wouldn't complain if any of these made their way to me!


text:
Blog: Why your CV is no longer enough
Click here for the hard truth about the current job marketAugust 31, 2015 8:50
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MIDEAST STOCKS-Markets to rise on stronger global environment
Abu Dhabi's ADWEA in talks with banks for $350 mln project bond
Emirates hints at no Dubai Airshow orders, pushes decision on A350/787 to next year
UAE minister says plans to boost oil output capacity on track
MIDEAST STOCKS-Saudi, Egypt markets barely move in early trade
Qatar Q2 GDP growth accelerates to 4.8 pct year/year
UAE says reforms will better protect foreign workers
United Arab Bank secures $125 mln three-year loan
MIDEAST STOCKS-Saudi hit by weak oil, commodities; Egypt down modestly
MIDEAST STOCKS-UAE markets narrowly mixed in thin, early trade
The small drop suggests the banks are over the worst of those problems, helped by solid economic growth and a fledgling recovery of Dubai's real estate market.
December 27, 2012 5:26 by Reuters
Outstanding provisions for bad loans set aside by banks in the United Arab Emirates fell in October for the first time since the global financial crisis began building in 2008, central bank data showed on Wednesday.
The small drop does not indicate an end to the corporate debt problems that have weighed on UAE banks' earnings over the past several years. But it does suggest the banks are over the worst of those problems, helped by solid economic growth and a fledgling recovery of Dubai's real estate market.
Provisions set aside for specific non-performing loans edged down to 65.3 billion dirhams ($17.8 billion) at the end of October from 65.4 billion dirhams in September, the data showed.
The official WAM news agency said it was the first time since 2008 that provisions had dropped. In October 2011 they stood at 51.9 billion dirhams and at the end of 2008 they amounted to 19.7 billion dirhams, according to the central bank.
General provisions earmarked for other purposes by the 23 UAE-based banks and 28 units of foreign banks also fell slightly in October to 17.4 billion dirhams from 17.6 billion dirhams in September; they totalled 15.4 billion dirhams in October 2011.
Banks in the UAE were hit first by the global financial crisis, then by the Dubai corporate debt disaster of 2009-2010, when the emirate's real estate market crashed and conglomerate Dubai World asked to restructure $25 billion of debt.
The debt problems have not yet been fully worked through. For example another investment conglomerate, Dubai Group, is still struggling to restructure $10 billion of debt, and it is not clear whether banks may have to take further provisions against that debt.
Early this month, credit rating agency Moody's Investors Service downgraded ratings of three Dubai banks including the emirate's biggest, Emirates NBD. It cited large amounts of problem loans and said the banks had low levels of balance sheet coverage for loan losses and would need additional provisioning.
But a recovery in Dubai's real estate market has greatly improved the bond market's confidence in the financial strength of UAE banks and many of their big customers, and their bond yields have plunged this year.
Moody's predicted last month that the ratio of problem loans to gross loans in the UAE banking sector would be between 10 and 12 percent for 2012 and drop marginally in 2013.
Banks in the UAE have built up strong capital buffers against losses; they had core capital worth 17.2 percent of risk-weighted assets in September, a much higher level than banks in many Western countries, central bank data showed.
However, the aftermath of the debt crisis has slowed growth in their lending, which rose just 2.8 percent from a year earlier to 1.10 trillion dirhams in October.
Total deposits, boosted by the real estate recovery and Dubai's ability to attract foreign funds as a safe haven in an unstable region, jumped 9.4 percent to 1.16 trillion dirhams. (editing by Jane Baird)
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