text:
See our store section for gifts by different stores
See our top gift ideas section for most popular items.
Create your own personal gift registry. Register for any item, from any store, for any occasion. Find the gift registries of your family and friends.
Ever find the perfect gift idea for someone, but their birthday was months away? We make it easy to remember your gift ideas.
Provides timely email reminders for a birthday, anniversary, and other special occasions.
Get advice from friends and family on which gifts to buy.
Personalized Ballerina Tote Gift Set
Personalized Girl's Cheerleading, Dance or Ballet Totebag
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Personalized Ballerina Musical Globe
Ballet Cake Pops
White Fairy and Spinning Ballerina Musical Jewelry Box
Silver and Pink Ballerina Music Box with Fairy Inlay
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text:
Tom Naratil, UBS AG
Tom Naratil became president wealth management americas and president UBS Americas in January 2016. He became a member of the group executive board in June 2011 and is former group CFO.
Before 2009, he held various senior management positions within UBS, including heading the auction rate securities solutions group during the financial crisis in 2008.
He was named global head of marketing for segment and client development in 2007, global head of market strategy and development in 2005, and director of banking and transactional solutions, wealth management USA, in 2002. During this time, he was a member of the group managing board.
He joined Paine Webber in 1983 and after the merger with UBS became director of the investment products group. Naratil holds an MBA in economics from New York University and a bachelor's in history from Yale University.

subset: commoncrawl


text:
Christine Russell, wife of detainee Colin Russell, and their daughter Maddy release 30 doves at an event on the Sydney foreshore to show support for the Arctic 30.
© James Alcock / Greenpeace
Big THANKS to: Lil BUB, Nala, Spangles, Princess Monster Truck, Captain Pancakes, Hamilton the Hipster Cat, Pork chop, Beans and TT Pistachio, Matilda the Alien Cat, Loki the Kitteh, Cole and Marmalade, Winston Smushface, Monty the Cat, Oskar and...
Turkish women discuss how coal plants have affected their lives, and the action they've taken to protect their land and families.
1 - 5 of 5653 results.


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How Many People Use Pinterest??? |
Liking Tweeting, Media Infographics, Humor Info, Pinterest Humor, Pinterest Pre, Pin Dicted, Pinteresting Facts, Fashion Pinterest
Infographic on the growth of Pinterest pre March 2012
Pinteresting facts!
What is Pinterest? Pinterest is this new amazingly awesome bookmarking tool aimed at changing the social bookmarking industry into something better than it has been. Sites like Digg, Reddit and Delicious have been at the forefront of social bookmarking for many years. Recently I feel like they have been slipping a bit when it comes to popularity. Pinterest came in to fill a void, and boy did they.
What is pinterest graphic
Pinterest Board, Small Business, Social Media, Media Marketing, Blog Post, Social Networks, Pinterest Tips, Pinterest Marketing
Pinterest Power: How to Use the Third Largest Social Media Site to Promote Your Business - Stephanie Chadler - Forbes.com #Pinterest #Marketing #Promote #Small #Business
The Ultimate List of Pinterest Tips. Most useful tip is to be careful where your pins are coming from / linking to. I'm still learning and have been fixing some of my links by simply editing and removing the link in some cases. Spam is a real problem on social media websites and Pinterest is no exception.
If you are new to Pinterest, you should read this!!! (Especially those who only repin everything rather than pinning from the original source, or those who put the ENTIRE blog post or recipe in the pin) #pinterest-tips
Pinterest: A Powerful Influencer in Marketing - Not only is Pinterest gaining ground as a social media marketing site, it serves as inspiration for its users by giving them a place to share ideas, recipes, and photos.
20 MORE Tips For Pinterest Marketing & Branding! Transition Marketing Services | Okanagan Small Business Marketing & Branding Solutions http://www.transitionmarketing.ca
Pinterest_Logo by Fernando Amaro Caamaño, via Flickr -> Tendencias para los social media en 2014… Roberto Cerrada ha publicado un post en su blog personal acerca de las tendencias para los social media en este año 2014 que recién estrenamos. Según Roberto, Facebook experimentará un significativo crecimiento a lo largo de este año. Ahora bien, la tendencia actual se centra más en aquellas redes sociales más visuales, como Pinterest, Slideshare, Tumblr o Instagram.
Social Media Tip: The best social networking sites for businesses ~ Social Media Frontiers
Social Media Marketing Tips: Pinterest
Explore Pinterest Boards with Bing
Infographic on Pinterest
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Unlike other social media sites, Pinterest is simpler. It is all about creating a pin board online and pinning images and videos that the user find interesting. This simple social network site was established on December 2009; however, it was launched on March 2010. Source: http://www.pindigit.com/infographics/pinterest-stats-2012.html
Why Your Brand Should Be On #Pinterest [Infographic about Pinterest visible on Pinterest]. Here, on Pinterest! Already said?... - by Bootcamp Media ( #Pinterest #Marketing #SocialMedia #Infographic )
All you need to know about PINTEREST - #Pinterest facts and figures See more cool social media infographics here bit.ly/yftRnE
A look @Pinterest- A look into what to know about 2012's biggest Social Media startup [ www.mjfield.com ] (src. www.lemon.ly)
"Have An Interest In Pinterest?" designed by lemon.ly (at following link http://lemon.ly/work/have-an-interest-in-pinterest) and published by digsandbox.com (at following link http://digsandbox.com/blog/2012/02/marketing-with-pinterest-infographic/)
Have an interest in #Pinterest? #Infographic by Lemon.ly — "Daily users have increased by more than 145% since the start of 2012"
Infographic -Pinterest: Everything You Wanted to Know About 2012′s Hottest Startup via Mashable
Pinterest has emerged as the runaway social media hit of early 2012. You probably knew that already. But did you know the company just has 12 people? Or that 97% of Pinterest's Facebook fans are women? Lemon.ly, a visual marketing firm, took a deep dive into the data to catalog Pinterest's stunning rise and produced the infographic below. What's clear is that with 10 million users, Pinterest has already made its mark in terms of web design influence, if nothing else.
Social Media Infographics.
Funny Friendship, That S Funny, Story Of My Life, Funny Stuff, Pinterest Funnies, Humor Quotes, So Funny, It S Funny, Funny Ecards
Funny Friendship Ecard: You can only stalk your friends on facebook for so long, but there is always new stuff on pinterest.
So funny, yet so true...There it is. The reason pinterest now usurps more of my time than FB.
There is always new stuff on Pinterest! #Pinterest #pin #humor #quotes #lol
Pinterest Funny Stuff | Here are some of my recent Pinterest favorites:
Funny stuff & To the point.
literally story of my life
Funny Friendship Ecard:
Haha...so funny!!
story of my life
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pinterest addicted.....need to go to the nearest Pinterest Rehab...which I'm sure they will have good food, great gardens, lovely porches, beautiful decor w/ a P on the wall for Pinterest, with handmade pillows and well organized kitchen and a outstanding craft room! Cool ! Sign me up! #food
pinterest addicted.....need to go to the nearest Pinterest Rehab...which I'm sure they will have good food, great gardens, lovely porches, beautiful decor w/ a P on the wall for Pinterest,
pinterest addicted.....need to go to the nearest Pinterest Rehab..
My Online Best Friend: Pinterest Addiction
hahahaa...lol... :P pinterest=addiction.
pinterest...story of my life
pinterest definition
Clever..sadly true.
pinterest TRUTH!
How to advertise on Pinterest
Social Media, Pinterest Infographic, Media Marketing, Media Infographic, Pinterest Socialmedia, Pinterest Tips, Pinterest Marketing, Marketing Infographic
Advertising on #Pinterest || #Pinterest #infographics #tip #news #social #media #infographie || Follow http://www.pinterest.com/lcottereau/pinterest-tips-and-news/
SOCIAL MEDIA - Infographic : A How-To Guide for Advertising on Pinterest | formation 2.0 | Scoop.it". Click thru (4 times) for a better enlarged view... #pinterest #infographic
Pinterest Infographic: How to Advertise on the Social Media Network. | #Pinterest #SocialMedia #Advertising #Infographic
How to Advertise On Pinterest. #infographic social media marketing http://www.helpmequitthe9to5.com #socialmedia
A how to guide for pinterest marketing http://www.helpmequitthe9to5.com social media marketing #socialmedia #socialmediamarketing tips and tricks #infographic
#Pinterest #Infographic: How to Advertise on the Social Media Network. Internet Marketing Tips & Training @ http://checkitat.com
Advertising on Pinterest: A How-to Guide on Marketing Yourself on Pinterest. Bespoke Social Media & Marketing
How to Advertise on the Social Media Network #Social_Media #Marketing #Infographic @N17DG
Pinterest Marketing How To Guide | Infographic
Pinterest Humor, Pinning Addiction, That S Pinteresting, Hahhaa Pinteresting, Pinterest Addiction, Pinterest Addicted
I've been surfing the internet you know, so I can seem more Pinteresting. #Pinterest
Pinterest Enter, Pinterest Crazzzzy, Pinterest Awe, Heart Pinterest, Pinterest Addiction, Pinteresting Pinformation, Lol S Pinterest
pinterest ... Click here to tell us what you think of #Pinterest & enter to #Win! <3
Pinterest Quotes, Pinteresting Moments, Perception, Pinaholic, Very Pinteresting, Thought, Word Pinteresting, Humor Quotes, Pinhead
There's that word "Pinteresting" again! Thought it was my invention!
Pinteresting moments. :) #Pinterest #pin #humor #quotes #lol
pinteresting moments have taken over my life.
Life is filled with Pinteresting moments...
Always Time For Pinteresting Moments
Pinteresting...very pinteresting!
So many Pinterest moments...joy!
P) pinteresting moments...
very pinteresting.
This is why I can't get off Pinterest. Ha!
Pinterest Quotes, Pinterest Humor, Clearance Shopping, So True, Humor Quotes, Pinterest Addiction
#Pinterest... is like clearance shopping you have to check it numerous times or you might miss something.
Pinterest is like clearance shopping...and I know how to do that :)
Pinterest is like clearance shopping...!!! Bebe'!!! So true!!!
pinterest humor | Found on tracefacephotography.blogspot.com
Pinterest is like clearance shopping...this is true !
So true lol! Send followers my way. I follow back! :)
For all the Pinterest addicts... self included!
#Pinterest #pin #humor #quotes #lol
I Love Pinterest Shopping!
Pinterest Quotes, Pinterest Humor, Pinterest Addiction, Things Pinteresting, Pinterest Pancakes, Pinteresting Addiction, Pinteresting 3, Pinterest Addicted
Pinterest pancakes
why pinterest > facebook!
How To Crochet, Truth, Thought, So True, Pinterest Addiction, True Stories
because ... I'd rather learn how to crochet a flower than spy on people I barelyknow. pinterest > fb
Because...I'd rather learn how to crochet a flower than spy on people I barely know...pinterest > fb #Pinterest #pin #humor #quotes #lol
Wow. So true, ive been spending so much time learning how to crochet I've barely been on fb!
This made me laugh how true once you are a Pinterest addict like me True story
pinterest vs facebook, learn or spying, PINTEREST to learn is the best.
I thought that this was super funny and true haha
Pinterest vs Facebook ... very very true !!!!
Pinterest >FB and that's the truth. :P
Pinterest vs Facebook
the "stress" of pinterest
My Life, Thought, Funny Stuff, Pinterest Addiction, Totally Me, True Stories, Haha So True
Thought Process of a Serial Pinner - - - yes, it's worth pinning twice or even three times if you really, really like it and want to keep it. :-) bahahaha
Pinterest? bahahaha ~Yes... Yes... I have thought this and it's okay. There is a delete button. Think I've already pinned this too!
A familiar train of thought to any Pinterest addict. I always go with, pin it again just in case. <<<<pinner. Me -- me too!
Pinterest? bahahaha ~Yes... Yes... I have thought this and it's okay. There is a delete button.
Thought Process of a Serial Pinner haha so true!
Great now-that-s-funny-stuff def going to repin :)
The thoughts of a Pinterest addict. ;)
True story! Pinterest addicts unite
Pinterest is ruining my life.
Optimizing Pinterest
Internet Marketing, Small Business, Social Media, Pinterest Infographic, Optimize Pinterest, Pinterest Tips, Pinterest Marketing
10 Strategic Ways To Optimize Your #pinterest Page. #socialmedia #infographic Internet Marketing Infographics courtesy #PurposeAdvertising
7 Mind Blowing #Pinterest Infographics - 4. 10 Strategic Ways to Optimize Your Pinterest Page http://socialmarketingwriting.com/7-mind-blowing-pinterest-infographics/
7 Mind Blowing #Pinterest Infographics - 4. 10 Strategic Ways to Optimize Your Pinterest Page http://socialmarketingwriting.com/7-mind-blowing-pinterest-infographics/ #infografia #infografik #infographic #socialmedia
10 strategic ways to optimize your Pinterest page ** Looking for social media advice or support? Contact me at email@example.com. Read more about me at https://www.linkedin.com/in/tomlaine
How to Pack a Punch with Pinterest as Part of Your Social Media Strategy - 10 Strategic Ways To Optimize Your Pinterest Page [Infographic]
10 Strategic Ways to Optimize Your Pinterest Page – #Infographic Some great tips on How To Develop a Pinterest Marketing Strategy from Scratch Pinterest Expert Marketing Strategy Board is brought to you by Kimberley Tilley, this board is about strategies you can learn and implement with educational #infographics. To learn more on how YOU to can boost your Social Media presence, visit my blog www.PartnerWithKimberley.com
Pinterest is 3rd most popular social media network after Facebook and Twitter and mostly telling, now refers more traffic than Bing and Yahoo. So shouldn't you be using it to the max? Here are 10 ways to add some rocket fuel to your Pinterest profile, also how to use Pinterest to its full potential and drive traffic to your business website. http://ipadfour.blogspot.com/2013/04/How-small-business-can-use-pinterest-to-its-full-potential.html #socialmedia #smallbusiness #pinterest
10 Strategic Ways to Optimize Pinterest [INFOGRAPHIC] #pinterest #smm #Infographic
Pinterest tips with 10 Strategic Ways to Optimize Your Pinterest Page.
Why Not Include Pinterest in Your Internet Marketing Strategy #infographic #marketing #onlinemarketing
Internet Site, Pinterest Stat, Info Graphic, Website, Pinterest User, Web Site, Pinterest Infographic, Media Infographic, Pinterest Demographic
This info graphic has really entertaining information. This information is kind of shocking too. It shows that a lot Internet users are women, actually most of them are. A big percent of Pinterest users have children and are married.
5 #Buttons That Will Help to Drive #Traffic to Your #Website | Web Design Principles #SOCIAL #pinterest #infographic http://www.webdesign.org/5-buttons-that-will-help-drive-traffic-to-your-website.22275.html
Pinterest demographic - You can click or search through the site for the correct graphic or use this link instead of the image: http://dailyinfographic.com/a-very-pinteresting-infographic
A breakdown of Pinterest demographics. The majority of Pinterest users are women, with a fairly high average income and follow higher end brands like Nordstrom and Whole Foods. Since the majority of household purchase decisions are made by women, Pintrest gets you to a good demographic
Pinterest user demographics & more on us http://www.720media.com/website-design-colorado-springs-social-media-marketing-denver/
Pinterest User Demographics. Who is on Pinterest? Pinterest Statistics. Pinterest Infographic. - http://pinterestmarketing.cf
Pinterest Infographic: Nearly a third of all Pinterest users have an annual household income of $100,000 or more, almost 70 percent are female and the largest age demographic represented on the site are people between 25 and 34. A recent study from Flurry Analytics found that the EXACT demographic Pinterest is most popular with is also the one that is the most valuable to mobile advertisers -- young, upper-middle class and female.
Very PInteresting stats about Pinterest [Infographic]
A social media InfoGraphic on Pinterest Users
Best Ways to Use Hashtags with Pinterest
Best Ways to Use Hashtags with Pinterest | Pinterest Marketing
Hashtags Aren T, Hashtags Effectively, Pinterest Mcngmarketing, Generic Hashtags, Hashtags Click, Blogtips Hashtags
#pinterest #blogtips #hashtags Best Ways to Use Hashtags With Pinterest by Vincent Ng of MCNG Marketing #pintalysis
Best Ways to Use Hashtags With Pinterest by Vincent Ng of MCNG Marketing #Pintalysis #Pinterest #socialmediamarketing
Best Ways to Use Hashtags With Pinterest by @mcngmarketing. Here's a tip, stop using generic hashtags. Click above to find out why you shouldn't for Pinterest.
Best Ways to Use Hashtags With Pinterest by @mcngmarketing. Here's a tip, stop using generic hashtags.
Best Ways to Use Hashtags On Pinterest - MCNGMarketing.com, #marketing, #Pinterest #hashtags
Best Ways to Use Hashtags On #Pinterest - MCNGMarketing.com #socialmedia #marketing
How to use Hashtags effectively in Pinterest. #Pinterest #marketing
Best Ways to Use Hashtags With #Pinterest. #PinterestMarketing
Best Ways to Use #Hashtags On #Pinterest - MCNGMarketing.com
How Pinterest Can Turn Your Brand Red-Hot [INFOGRAPHIC]
Pinterest deconstructed
Info Graphic, Deconstructed Infographic, Social Media, Pinterest Infographic, Pinterest Deconstructed, Pinterest Marketing, Marketing Infographic
PINTEREST INFOGRAPHICS - Pinterest Deconstructed For eTailers and Content Marketers. #Infographic #pinterestinfographics #bestinfographics
Pinterest Deconstructed #Infographics #Pinterest Posted May 10th, 2012 http://www.RadiantFitAndHappy.com
Pinterest Deconstructed: Guide To Content Marketing [Infographic] | Social Media (network, technology, blog, community, virtual reality, etc...) | Scoop.it
Pinterest Deconstructed - For eTailers and Content Marketeers - The Who, What, Where & When of Pinterest #infographic
Pinterest deconstructed: the who, what, where and when of Pinterest - Infographic for eTailers and Content Marketers
SOCIAL MEDIA Pinterest Deconstructed Infographic... #Pinterest #Infographic #infographie #tips
Pinterest deconstructed. For eTailers and Content Marketers #Infographic #pinterest #socialmedia
Pinterest Deconstructed For eTailers and Content Marketers #pinterest #marketing
Info graphic! Pinterest Deconstructed
SEO + Pinterest
Digital Marketing, Social Media, Pinterest Infographic, Media Marketing, Search Engine, Seo Infographic
#SEO + #Pinterest - It's All About The Tags, Baby! #infographic http://www.helpmequitthe9to5.com search engine optimization optimisation
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SEO + Pinterest #infografia #infographic #socialmedia #seo By www.riddsnetwork.in (#SEO)
Pinterest and Search Engine Optimization (SEO) #infographic
SEO + Pinterest #infographic #socialmedia #seo
Pinterest users are three times more likely than average Internet users to have visited Disney World in the past year. Their favorite magazine is Good Housekeeping. More than half of them have drank alcohol in the past month. They text and email from mobile phones and use mobile apps more often than average Internet users. They're 11% more likely to use Verizon than other web surfers and 19% have Motorola phones.
Who's Using Pinterest Anyway? [INFOGRAPHIC]
Who's Using Pinterest Anyway? [INFOGRAPHIC]


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Comments about 'Collaborative or competitive? Performance pay contributed to success at Northwest Middle School'
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So, we see educational success and we see results . . . how did this happen is now the big question. The usual political reactions come like "firing teachers" and the use of data to help students learn how to do well on standardized test. But the real key here is that supportive, hard-working and dedicated educators were able to do their jobs with all the support and resources they needed to get the job done. Our republican legislature works to gradually defund our education system and then brag about how we can do so much with so little. But, in the end you get worn out, underpaid and under-supported teachers that just can't hang on forever. Wake up--if you want the job done, you pay for it. And the work that teachers do at these highly-impacted "at-risk" schools is not the same work that teachers do at other more privileged schools. Paying them extra for the work they do is not a "bonus". It's for the work they do. They should be paid more. So, now where does this money and support come from??? I'm looking at you Legislature.
- 8:02 p.m. Dec. 12, 2013
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This is great news! Congratulations Northwest, for exploring and creating solutions that are win/win and out of the box! Keep up the great work.
- 8:18 p.m. Dec. 12, 2013
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This not new or out of the box. Everything (except the money) has been done in schools before. However, we have transformed schools into test factories. Johnny learns to mark "A" on a test, then see if Johnny can mark an "A." This performance pay system is eerily similar to what Career Ladder was at its inception. Nothing new here, just money and freedom.
- 9:01 a.m. Dec. 13, 2013
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The Cavaliers open their spring this weekend.
March 15, 2013
Become a Fan of Virginia Rowing on Facebook
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CHARLOTTESVILLE, Va.—The defending national champion Virginia rowing team opens its 2013 slate with the Oak Ridge Cardinal Invitational in Oak Ridge, Tenn., Saturday and Sunday (March 16-17). The Cavaliers will compete in two sessions on Saturday and one on Sunday morning.
UVa will face off against boats from host Louisville and West Virginia in the morning on Saturday and future ACC foe Notre Dame and Georgetown in the afternoon. On Sunday, the Cavaliers will race Alabama and conference-rival Duke. Virginia will have seven boats competing (three varsity eights, three varsity fours and one novice eight) in six races each session.
Other schools competing at the regatta include Buffalo, Dayton, Eastern Michigan, Georgetown, Kansas and Miami.
The Cavaliers had a successful scrimmage against Michigan State on March 9 at Claytor Lake State Park and will look to continue their momentum after a strong fall campaign. Virginia's varsity eight had the top collegiate boat in the Championship Eights at the Head of the Charles in Boston and the fastest boat at the Princeton Chase and Rivanna Romp.
After this weekend, Virginia will prepare for the San Diego Crew Classic in San Diego, Calif., April 6-7.
UVA Athletics Information
In the NewsRecent Headlines News Archives
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Cavaliers Roll Into Exam BreakBaseball5/4/16No. 13 Virginia, which is off until May 13, when ACC foe Georgia Tech visits Davenport Field, has won six games in a row.Cavaliers' Margin for Error GoneMen's Lacrosse4/29/16To become eligible for an NCAA men's lacrosse tournament bid, Virginia (7-7) must upset second-ranked Brown (13-1) on Saturday night.UVA Spring Football NotebookFootball4/27/16With spring practice over, Virginia head coach Bronco Mendenhall and his assistants have turned their focus to recruiting.
Jeff White
Director of News Content
A 1985 graduate of UVA, White worked at the Richmond Times-Dispatch until July 2009. He was honored six times as the state's Sportswriter of the Year.
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Fitch downgrades Ukraine's credit rating, cites political instability
February 8, 2014 - 11:00 AMT
PanARMENIAN.Net - Fitch downgraded Ukraine's long-term foreign currency Issuer Default Rating (IDR) to 'CCC' from 'B-', citing political instability in the country, Reuters reported.
Ukraine is struggling to prop up its currency amid a political crisis with anti-government demonstrators taking to the streets to protest against a move closer to Moscow's economic orbit. A debt crisis has left the country on the verge of bankruptcy.
"The financial system remains fragile, burdened by non-performing loans of 30 percent, and represents a contingent liability to the sovereign...," Fitch Ratings said.
Fitch said the falling reserves, a weak outlook for its currency and reducing prospects of Ukraine's access to external funding undermine its debt servicing ability.
Fitch ratings also cut the country's short-term foreign currency IDR to 'C' from 'B'.
Russia suspended a $15 billion bailout last week after President Viktor Yanukovich, in a concession to protesters, sacked the pro-Russian prime minister.
Ukraine's central bank on Thursday, Feb 6 introduced restrictions on certain types of foreign exchange purchase to help defend the stability of its banking system.
The hryvnia fell below 9 per dollar on Wednesday for the first time in five years. It traded at 8.53/8.56 against the dollar on Friday at 1430 GMT.
Top stories
Total underground mineral resources comprised 4.3 million tons of ore, averaging 4.2 grams per ton for 0.6 mln ounces of gold equivalent.
For those with a monthly consumption of 10 thousand cubic meters or more, the current price of $276.98 would be reduced to $257.56.
The PM said the impact of the agreement on ordinary consumers will be announced once relevant authorities consider the issue.
Azerbaijan is highly dependent on oil revenues and its preliminary 2016 budget indicates reductions in military spending, the report says.
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Nigeria, Cameroon pledge tougher fight against Boko Haram In a statement, both countries condemned the criminal activities perpetrated by the group in the Lake Chad basin countries.
Getty Publications launches free online catalogues featuring antiquities The publications released in this launch include Roman Mosaics in the J. Paul Getty Museum.
Bernarducci Meisel Gallery hosts legendary artist Mel Ramos exhibit "The Lost Paintings of 1962: A Look Back at POP!" explores Ramos' early affinity for comic book heroes and heroines as his subjects.
VivaCell-MTS now enables deactivating Internet roaming By activating the service, you switch off the Internet roaming and continue using voice and SMS roaming services.


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Saturday, May 10, 2014
Westport First Selectman Jim Marpe presents a gold shovel today to a group of winners at the Castles in the Sand annual competition at Compo Beach for their portrayal of the Kemper-Gunn house on the move. The winners included (l-r) Eliza Barr, 10; Simone Barr, 13; Katherine Flug, 14; Evelyn Anvari, 8; Emerson Anvari, 12; Anna Diorio, 8, and Sydney Dowd, 9. The event was a fundraiser for nonprofit Homes With Hope. (CLICK TO ENLARGE) Phyllis Groner for WestportNow.com
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A stray firework injured three people, one seriously, at the second Bledisloe Cup rugby test between the All Blacks and Australia at Eden Park.
"It was after the haka, before the first whistle," photographer Ross Setford said.
"All of a sudden three people came out of the crowd bleeding. A woman was bleeding from the right side of her face, another man was holding up his jacket.
"There was another man but he was blocked by the crowd."
Setford said police then mopped up the blood. When asked to comment, a police spokesman said he was unaware of any incident at the park.
One spectator tweeted:
Aaron Cruden kicking at a pile of spent gunpowder in the middle of the field after one of the fireworks at Eden Park misfires.
— Michael Atkins (@michaelatkins84) August 23, 2014
A spokeswoman for St John ambulance said one person was transferred to Auckland City Hospital from Eden Park in a serious condition.
A hospital spokesman said the patient was in a stable condition in the emergency department at 10pm.
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Please click on any of the links below to see Handsome Brook Farm Pasture Raised Eggs in the News!
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Tampa Bay Times – When Did Buying Eggs Become so Complicated?
FastCompany – Pasture-Raised Eggs: A New Label For Chickens That Really Do Live Outdoors
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iPhone - iPad Games
The Settlers Answers for iPhone - iPadHome / iPhone - iPad /
Game Questions & Answers (Q&A) service lets you ask questions about video games for game consoles or PC games. So ask your The Settlers question for iPhone - iPad and get answers from real gamers or answer questions and share your insights and experience with the rest of the gaming community.
Boxshot & Details
- Developer: Gameloft
- Publisher: Gameloft
- Genre: Strategy
- Release: Nov 7, 2009
- ESRB: Not Set
Question & Answers
Game keeps turning off
I am on the Mayan dark tribe quest: the search is still on and my game keeps turning off. Has anyone ever experienced that? I am almost done the mission but can't go any further because the game keeps restarting. Any advice would be great.
Answer from: Laura
I have the same problem and I would love some help. I really want to get forward!
Answer from: Pro
Same problem. Appear as soon as cargo ship reach destination harbor.
Answer this QuestionAsk / All Questions
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Daewoo Dealers Seattle, WA
Showing Daewoo dealers within 50 miles of Seattle, WA Edit search
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1. Sunset Cars of Auburn 21.3 mi
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1. Signature Autos Sales 14.9 mi
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"Nice guy, realistic. Car had been run hard."
3. Livengood Motors 17.2 mi
16131 Hwy 99 B
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"The guy that answered was rude and did not answer any of my very few questions. I felt as if I was inconveniencing him. I got the impression that because it was on CarGurus that he was not going to get the credit for the sale anyway so he didn't care."
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realmagick.com The shrine of knowledge.
S Shape Corset
A selection of articles related to s shape corset.
Original articles from our library related to the S Shape Corset. See Table of Contents for further available material (downloadable resources) on S Shape Corset.
- Shapeshifting in Celtic Myth
- The theme of shapeshifting is found in Celtic myth regardless of the specific country one invesigates. Thoughout my studies of Celtic lore I have found that there were very specific reasons or circumstances for shapeshifting. These reasons fall into at least...
Saga of Times Past >> Legend and Prehistory
- Lauràelle, the Ceremony & the Sword: An OBE Experience
- I have profoundly hesitated over the telling of this tale for many years. I have a lifetime of experiences like this to share, but some (like this one) may seem way over the top to some people, no matter how its written. This is simply because they lack any...
Astral Projection >> Out of Body Experiences
- Bringing it Down to Earth: A Fractal Approach
- 'Clouds are not spheres, mountains are not cones, coastlines are not circles, and bark is not smooth, nor does lightning travel in a straight line.' B. Mandelbrot W e want to think about the future - it's our nature. Unlike other creatures, humans possess an...
Mystic Sciences >> Astrology
- A Treatise on Astral Projection
- There are certain aspects of the astral dimension and the projection process that are very complicated. Much of it is misunderstood and it can all be very confusing at times. This series of articles attempts to shed a little light on the subject, and...
Parapsychology >> Astral Projection
- Synaesthesia: The Crossing of the Senses
- "We interpret one sense by another." William Hazlitt "Although medicine has known about synaesthesia for three centuries, it keeps forgetting that it knows. Richard Cytowic, in "Synaesthesia: Phenomenology and Neuropsychology a Review of...
Modern Science >> Synesthesia
S Shape Corset is described in multiple online sources, as addition to our editors' articles, see section below for printable documents, S Shape Corset books and related discussion.
Suggested Pdf Resources
- A Modern Construction of a Corset and a Short Look at Historical ...
- May 1, 2011 but possibly see how interesting the construction of a corset or a garment can be. ..... Following the s-shape that the corset has cut into history is.
- digitalcommons.wou.edu
- A Corset Wearer's Guide - Shopify
- poorly fitting corset is uncomfortable, rubs and chafes and will leave you never ... The shape of your body influences the shape of corset you will find comfortable.
- cdn.shopify.com
- Scandalous Satins - University of St Andrews
- S-shaped corsets. However, Tree and Macquoid felt the need to entice their audience as well as desiring authenticity. It was mainly the shape of Macquoid's.
- www.st-andrews.ac.uk
- A Turn of the Century Lady - TopSCHOLAR - Western Kentucky ...
- May 12, 2011 The S-shaped corset (Specialite or Health corset) was invented by Mm. ... years had been an hour-glass shape, a series of circles with the waist ...
- digitalcommons.wku.edu
- Corcets and crinolines
- achieve the desired silhouette, and tiren ister, te attune herseif to s changing wot-' itii ... crinoline collapsed and slowly subsided, the corset gradually lost shape, ...
- www.reenactor.ru
Suggested News Resources
- And God Said, 'Let There Be a Gizmo That Melts and Sprays a Stick of Butter'
- He hired an industrial team in San Francisco, and Biem began to take shape. The final product looks a bit like a travel mug in a corset. There's a reservoir on top with ...
- As the season comes to an end, Nicolas Ghesquière captures the prevailing
- Paris Fashion Week has ended, and with it the autumn/winter collections, and the texture of fashion feels quite altered in its wake. It all began in New York and London with a lightening bolt of new opportunity and the launch of "see now buy now", ...
- The Evolution Of Corsets Proves That We've Been Into Constriction For A Long
- According to the MET Museum, "The S-curve form imposed on women's bodies in 1900 was the result of a straight-fronted corset that started lower on the bustline than the corsets had a few years previously.
- Still basking in the media spotlight since her acclaimed performance in "The
- PARIS — Still basking in the media spotlight since her acclaimed performance in "The Danish Girl," all eyes were on Oscar winner Alicia Vikander at Louis Vuitton's star-filled show Wednesday.
- Wonder Woman, Supergirl and Batgirl Show DC Super Hero Girls is Off to a
- I love the sparkling stars print on her t-shirt; I love wing-tipped boots; I love the way the design team turned her metal corset top into a classy pauldron. Everything about this doll exudes Wonder ...
Great care has been taken to prepare the information on this page. Elements of the content come from factual and lexical knowledge databases, realmagick.com library and third-party sources. We appreciate your suggestions and comments on further improvements of the site.
S Shape Corset Topics
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When I start a LIVE GAME of Chess my pieces are on the top instead of been at the bottom??
Appreciate any help on how this can be corrected
Isn't there an option to flip the board?
Not in LIVE GAMES
I could have sworn there is.
NO; In turned around board games there is but not in LIVE GAMES
Maybe it's only there if you're watching a game?
Go into 'Live' chess, click on settings:
Check this has not been selected by mistake:
Turn the pc monitor upside down!!!
That's a good one! :0)
There are COUNTRIES MISSING
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Why am i not a premium member?
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I have an answer..And I know I'm right.
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Tea Tree Oil
1 User Reviews
User Ratings
[YEA] I suffered miserably for months with anal itch. I don't know how it came about, it wasn't poor hygeine or anything that can be explained. I went to my physician, a specialist and was prescibed several medications that only made the situation worse. They couldn't explain it either. They just said keep the area dry. The itch was insane, I would come home from work and literally sit in front of the computer researching for hours how to beat my pain. It started in August, it ended in recently this June. TEA TREE OIL. Don't dillute it. 3-5 drops on a cotton ball, hold to the area for 1 minute. Wait five minutes then apply some corn starch to the area. twice a day should work, or as many times as needed. Yes it will burn at first, BUT it is followed with a cooling sensation. In some instances the itch comes on for a few minutes because it is such a strong astringent that it may irritate the skin.
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Highly Recommended.


text:
New program offers intensive training for early-career intelligence analysts
New DIA award will seek intel support
Now that 60 percent of the intelligence communitys workforce has less than five years of experience, managers anticipate significant changes.Thomas Fingar, deputy director of national intelligence for analysis, described the new intelligence workforce in a speech he delivered on behalf of Mike McConnell, director of national intelligence.Fingar, who read McConnells speech at a recent conference in Chicago, said young employees expect to collaborate. We have hired young people to challenge the supervisors on how we do our business.Early-career analysts are quick to come up with new ideas and speak up for themselves, Fingar said, adding that the intelligence community must balance new analysts youthful enthusiasm with experience and perspective.- Jason Miller
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Check out the digital edition of FCW magazine -- the federal IT community's premier publication.
In this issue: Profiles of every Fed 100 winner, the government and industry Eagle Award winners and more.
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A revamped assessment process targets the cloud security program's biggest friction point: time.
FCW talked with FedRAMP evangelist Ashley Mahan about her role in helping agencies adopt cloud technology.
One tiny team is at the center of the federal government's push for cloud computing — and all the loud, complicated competing interests that go along with it.
Two key IT modernization bills could move in Congress, despite the compressed legislative calendar and the politically charged election year.
CyTech Services, the veteran-owned small business that may have played a significant role in discovering the OPM hack a year ago, says it's never been paid for that work.
Although most agencies are on track to meet a presidential directive to archive email records electronically, a few will need more time.
Limiting the impact of open source policy to a time- and scope-constrained pilot forgoes a unique and long-needed opportunity to modernize government, argues a leading open source advocate.
Agencies can put more money on mission by analyzing accounts payable data. The former leader of the U.K.'s Government Procurement Service explains what it takes.
This year's winners were honored in person at the April 7 Fed 100 Awards Gala. Click here to learn more about their accomplishments.
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What's your stock up price on diapers?
Diaper stock up price?
Posted 06/04/2013
Posted 06/04/2013
I don't understand the question. Are you asking how much you spend to stock up on diapers?
Firsttimerteach2013 · Original Poster
Posted 06/04/2013
Yes, what does the price have to be for you to stock up? I coupon so i was wondering what everyone thought a good price was
Posted 06/04/2013
My albertsons just had the large box of pampers on clearance for 8.00 I had a load of 3.00 off coupons and got 22 boxes of various sizes for 5.00 a piece
Julaine 39 Alex 38 Due date November 1st Nicole19, Michaela 19 Amanda 17, Mikaila 13, Tatum 19 months, Butterfly baby Ryder Flew 10/22/13 18weeks
Posted 06/04/2013
Under $5, I try for $3 a bag but my newspaper hasn't had Huggies coupons lately. We should see a Pampers deal at CVS next week.
Posted 06/05/2013
I try for anything less than 10¢ a diaper. Last week amazon has a deal (not 100% sure if its still is) on diapers that if you join amazon mom (a subscription service & the first 3 months is free) you get $20 off your first order & there's an online coupon on amazon for $2 off if you choose huggies. You just have to maneuver the site & find a qualifying diaper...has to be sold by amazon not a 3rd party. You have to 'subscribe' (like an auto ship). I got a box of 234 size ones for $12 w/ free shipping. Just cancel the auto ship after you get them. I got the $47 box if diapers (target price) for 12....which if I remember right was a steal at like 5¢ a diaper. We're expecting twins so we'll definitely use them :)
Posted 06/05/2013
We're doing cloth diapering so we only plan on spending about $385 for 36 prefolds with 3 covers and 15 pocket diapers with 48 inserts and that should last us through potty training. Ends up being about $5 per diaper. Really excited to be doing cloth diapering for cost and environmental reasons.
Proud momma to Autumn Rose 11-8-13
( . )( . ) 12+ months, CD, EBF, BW
Posted 06/05/2013
I buy a pack a week. I try to look for clearance and use coupons, but if nothing is on sale, I pick up luvs for under $7.
Posted 06/05/2013
We are cloth diapering also. I have been stalking the swap board, and jumping in on some co-ops to find some great deals to build my stash. I will spend about $150 total on enough diapers (about 30) to last from birth-potty training. So excited to be diaper shopping again!! Eek!!
Posted 06/05/2013
I would pay no more than $.10 a diaper although ideally I aim for $.05-$.07 per diaper. Wipes should cost no more than $.01 per wipe. I did the diaper deal on Amazon. I'm supposed to get the package today so I'm looking forward to that. Lalalandditz how many orders did you make? I made 2 accts and ordered 2.
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Look how far your child has come.
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Your 29-month-old: Learning to share
Preschoolers can be fiercely protective of their possessions. Read More
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Your little one may want to eat the same things andwear the same clothes day after day. Read More
Your 29-month-old: A game of memory
What can a 2-year-old remember? More and more every day! Read More
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text:
This item is currently
HN-ALP420 Alpine
Sitting Angels Cast Resin Garden StatueItem # HN-ALP420
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- Constructed of durable cast stone
- Beautiful aged cream finish
- Dimensions: 10L x 7W x 14H inches, 18 lbs.
- Adds a whimsical look to any lawn or garden
- Resin assures long life of statue
Full Description
About This Brand
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Recommended Accessory
Sitting Angels Cast Resin Garden Statue
About Alpine CorporationAlpine Corporation has offices in Arizona, Colorado, Florida, Iowa, and Ohio. With a firm belief in the free enterprise system, Alpine Corporation promotes equal treatment for customers, employees, shareholders, suppliers, and the community. Alpine Corporation carries a vast array of items, including fountains, pond and garden accessories, and statuary, and carries lighting and parts as well. A steadfast goal for Alpine Corporation


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Even as the Federal Reserve holds short-term interest rates near zero for the fourth year in a row, there are plenty of places to find decent income in the U.S. stock and bond markets. You just have to know where to look.
We found eight groups with average payouts ranging as high as 6% without the risk that often comes with reaching for yield. They include municipal bonds, with yields between 1% and 3%; utilities and real-estate investment trusts, at 4%; convertible securities, at 3%; high-dividend stocks, at 3% to 4%; master limited partnerships and junk bonds, at 6%, and preferred shares, at 5% to 6%. There are higher-yielding securities in all of these categories, including mortgage REITs and junk bonds that carry 10%-plus rates, but the rewards here may not be worth the risk.
What looks best for 2013? Given the risks in bonds at historically low-yield levels, it may be best to stick with blue-chip stocks, electric utilities, MLPs, and to a lesser extent, REITs.
In the bond market, junk still looks appealing, even as the average yield fell to 6% from about 20% at the start of 2009, when Barron's highlighted the market's appeal in a cover story. Junk may be the best house in a dangerous neighborhood.
Peter Hoey for Barron's
The tax legislation passed last week favors equity sources of income, which will be taxed at a top rate of 20%, plus a 3.8% Medicare surcharge. Most taxpayers, including couples earning less than $250,000, will still pay a top dividend rate of 15%. The top rate for ordinary income rises to 39.6% from 35% for couples earning more than $450,000. That rate also applies to interest income on taxable bonds, as well as distributions from master limited partnerships and REITs. It should be noted that investors can often defer taxes on MLP distributions.
It's hard to make a case for two of the lowest-yielding parts of the bond market -- Treasuries and mortgage securities -- because yields are in the 1% to 3% area, and both sectors could be hit hard if rates rise. Perhaps the best that can be said for Treasuries is that they're one of the few asset classes that are negatively correlated with stocks, meaning they tend to appreciate when stocks fall, and thus offer a hedge against a stock-market downdraft.
BlackRock favors dividend-paying stocks and junk bonds, while warning about the danger in Treasuries. "We believe dividend stocks look attractive," wrote BlackRock chief investment strategist Russ Koesterich last week. "With current payout ratios near historic lows and balance sheets quite strong, companies have ample ability to raise dividend payments to compensate investors for any changes in tax treatment." As for Treasuries, he wrote that interest-rate risk is high, as underscored last week when prices fell 4% as stocks rallied.
Here is an overview of the eight income sectors in order of their appeal.
High-Dividend Stocks
As more companies get serious about dividends, it's possible to put together an increasingly diversified portfolio of stocks yielding 3% to 4%. The obvious appeal of stocks versus bonds is that investors can benefit from rising dividends over time. Many big companies now have dividends that exceed their bond yields.
Blue chips with 3%-plus yields include drug makers Pfizer pfe 0.3747774480712166% Pfizer Inc. U.S.: NYSE USD33.8263 0.1263 0.3747774480712166% /Date(1462373490357-0500)/ Volume (Delayed 15m) : 1269956 P/E Ratio 27.153225806451612 Market Cap 208666323864.654 Dividend Yield 3.564003564003564% Rev. per Employee 498989 More quote details and news » (ticker: PFE), Merck mrk -1.0802469135802468% Merck & Co. Inc. U.S.: NYSE USD54.485 -0.595 -1.0802469135802468% /Date(1462373483857-0500)/ Volume (Delayed 15m) : 271628 P/E Ratio 35.03846153846154 Market Cap 152555683508.992 Dividend Yield 3.3662641785583607% Rev. per Employee 570191 More quote details and news » (MRK), and Novartis (NVS). In the consumer sector, there's PepsiCo pep -0.29934337582078024% PepsiCo Inc. U.S.: NYSE USD103.25 -0.31 -0.29934337582078024% /Date(1462373481087-0500)/ Volume (Delayed 15m) : 134957 P/E Ratio 28.198637602179836 Market Cap 149583820184.529 Dividend Yield 2.908521678632512% Rev. per Employee 238395 More quote details and news » (PEP) and Procter & Gamble pg -0.18495684340320592% Procter & Gamble Co. U.S.: NYSE USD80.95 -0.15 -0.18495684340320592% /Date(1462373490455-0500)/ Volume (Delayed 15m) : 370386 P/E Ratio 27.462929108267318 Market Cap 215876197256.695 Dividend Yield 3.301282051282051% Rev. per Employee 608973 More quote details and news » (PG). And technology, a former income wasteland, now offers many 3% yielders, such as Microsoft msft -0.3615910004017678% Microsoft Corp. U.S.: Nasdaq USD49.6 -0.18 -0.3615910004017678% /Date(1462373490120-0500)/ Volume (Delayed 15m) : 1055950 P/E Ratio 39.404761904761905 Market Cap 391294027553.141 Dividend Yield 2.900302114803625% Rev. per Employee 732415 More quote details and news » (MSFT), Intel intc -1.1627906976744187% Intel Corp. U.S.: Nasdaq USD29.75 -0.35 -1.1627906976744187% /Date(1462373490916-0500)/ Volume (Delayed 15m) : 1499172 P/E Ratio 12.737179487179487 Market Cap 143359922882.08 Dividend Yield 3.4893474249287033% Rev. per Employee 524473 More quote details and news » (INTC), and Seagate Technology stx 4.938786008230453% Seagate Technology PLC U.S.: Nasdaq USD20.4001 0.9601 4.938786008230453% /Date(1462373488553-0500)/ Volume (Delayed 15m) : 771226 P/E Ratio 19.774509803921568 Market Cap 5762443781.3533 Dividend Yield 12.493802677243432% Rev. per Employee 218395 More quote details and news » (STX). Energy giants Chevron cvx 0.7303592577970786% Chevron Corp. U.S.: NYSE USD102.06 0.74 0.7303592577970786% /Date(1462373485626-0500)/ Volume (Delayed 15m) : 297204 P/E Ratio 146.09083069847657 Market Cap 190958008736.358 Dividend Yield 4.2105263157894735% Rev. per Employee 1959350 More quote details and news » (CVX), Royal Dutch Shell (RDSA), and ConocoPhillips cop 0.15527950310559005% ConocoPhillips U.S.: NYSE USD45.15 0.07 0.15527950310559005% /Date(1462373490042-0500)/ Volume (Delayed 15m) : 249058 P/E Ratio N/A Market Cap 55826486554.6636 Dividend Yield 2.1963540522732266% Rev. per Employee 1687800 More quote details and news » (COP) all yield more than 3%.
There are dozens of income-oriented mutual funds and exchange-traded funds. Some of the largest ETFs are Vanguard High Dividend Yield vym -0.41798789276448545% Vanguard High Dividend Yield ETF U.S.: NYSE Arca 69.09 -0.29 -0.41798789276448545% /Date(1462373458182-0500)/ Volume (Delayed 15m) : 36522 P/E Ratio N/A Market Cap N/A Dividend Yield 2.769409038238702% Rev. per Employee N/A More quote details and news » (VYM), iShares Dow Jones Select Dividend dvy -0.08560596795890914% iShares Select Dividend ETF U.S.: NYSE Arca 81.7 -0.07 -0.08560596795890914% /Date(1462373475088-0500)/ Volume (Delayed 15m) : 31447 P/E Ratio N/A Market Cap N/A Dividend Yield 3.085626147631289% Rev. per Employee N/A More quote details and news » (DVY), and SPDR S&P Dividend sdy -0.2042079207920792% SPDR S&P Dividend ETF U.S.: NYSE Arca 80.635 -0.165 -0.2042079207920792% /Date(1462373490986-0500)/ Volume (Delayed 15m) : 22620 P/E Ratio N/A Market Cap N/A Dividend Yield 2.282305303688983% Rev. per Employee N/A More quote details and news » (SDY).
Electric utilities were the only loser in 2012 among the major sectors of the S&P 500, with a 2.9% drop -- and a 1% return after dividends. This year could be better because utility dividends look appealing at 4%-plus in much of the industry.
Major utilities trade at an average of 14 times projected 2013 profits, compared with about 13 times for the faster-growing S&P 500. Yet utility earnings are relatively predictable, in the low- to mid-single digits each year.
The three largest electrics (by market value), Duke Energy duk -0.08878741755454084% Duke Energy Corp. U.S.: NYSE USD78.77 -0.07 -0.08878741755454084% /Date(1462373482223-0500)/ Volume (Delayed 15m) : 79616 P/E Ratio 19.55431479605702 Market Cap 54312634801.4027 Dividend Yield 4.169298799747315% Rev. per Employee 803001 More quote details and news » (DUK), at $65; Southern Co. so -0.1188118811881188% Southern Co. U.S.: NYSE USD50.44 -0.06 -0.1188118811881188% /Date(1462373483192-0500)/ Volume (Delayed 15m) : 111738 P/E Ratio 19.52502304928012 Market Cap 46359000000 Dividend Yield 4.4251284077439745% Rev. per Employee 648204 More quote details and news » (SO), at $44; and Dominion Resources d -0.4656658326383097% Dominion Resources Inc. (Virginia) U.S.: NYSE USD71.605 -0.335 -0.4656658326383097% /Date(1462373477622-0500)/ Volume (Delayed 15m) : 31906 P/E Ratio 22.429906542056074 Market Cap 42928541099.187 Dividend Yield 3.888888888888889% Rev. per Employee 780952 More quote details and news » (D), at $53, all yield 4% or more.
The Utilities Select SPDR xlu -0.13327865491080582% Utilities Select Sector SPDR ETF U.S.: NYSE Arca 48.705 -0.065 -0.13327865491080582% /Date(1462373489389-0500)/ Volume (Delayed 15m) : 485781 P/E Ratio N/A Market Cap N/A Dividend Yield 3.00369431957499% Rev. per Employee N/A More quote details and news » (XLU), which holds the electric utilities within the S&P 500 index, yields 4.1%.
The group started the year strong, as the benchmark Alerian MLP index, which is heavy in energy pipelines, rose 4% over the first two sessions of 2013. More gains could follow after a tough 2012, when the AMZ fell 1% and returned 4.8%, including distributions. Reflecting strong historical returns in the sector, 2012 marked the only year in the past 13 in which MLPs trailed the S&P 500 in total return.
Credit Suisse analyst John Edwards has been bullish, pointing out that the yield on the AMZ index, now 6.5%, looks appealing relative to most other income securities. While weak prices for natural-gas liquids have hurt some MLPs, much of the sector that is involved in domestic energy transportation has experienced little or no impact. Growth in distributions industrywide is expected to average about 7% this year.
The two largest MLPs, Enterprise Products Partners epd 1.406127258444619% Enterprise Products Partners L.P. U.S.: NYSE USD25.818 0.358 1.406127258444619% /Date(1462373471830-0500)/ Volume (Delayed 15m) : 77774 P/E Ratio 20.452380952380953 Market Cap 51461352587.9551 Dividend Yield 6.1311602638727205% Rev. per Employee N/A More quote details and news » (EPD), at $52 a share, and Kinder Morgan Energy Partners (KMP), at $84, yield 5% and 6.3%, respectively. Kinder Morgan's twin, Kinder Morgan Management (KMR), trading around $79, is a corporation. It has a similar dividend paid in stock, allowing investors to avoid the tax hassles of K-1 partnership tax forms.
There are many MLP-oriented mutual funds and ETFs, including the Alerian MLP amlp 1.5228426395939085% Alerian MLP ETF U.S.: NYSE Arca USD12 0.18 1.5228426395939085% /Date(1462373488172-0500)/ Volume (Delayed 15m) : 651623 P/E Ratio N/A Market Cap 3113830000 Dividend Yield 9.974979149291077% Rev. per Employee N/A More quote details and news » (AMLP) and an exchange-traded note, the JPMorgan Alerian MLP AMJ 1.4118457300275482% JPMorgan Alerian MLP ETN U.S.: NYSE Arca 29.45 0.41 1.4118457300275482% /Date(1462373488545-0500)/ Volume (Delayed 15m) : 194799 P/E Ratio N/A Market Cap N/A Dividend Yield 7.265943012211669% Rev. per Employee N/A More quote details and news » index (AMJ).
Junk Bonds
Wall Street generally expects subdued returns of about 7% this year after another strong year in 2012, when junk returned more than 15%. The challenge is that yields are low, at 6%, and prices are high, averaging about 105% of par value. This limits upside because most issues can be redeemed at par prior to maturity.
While many junk investors are reaching for yield in order to get higher returns, it may be best to play it conservatively and avoid debt-laden companies like Caesars Entertainment czr 0.4366812227074236% Caesars Entertainment Corp. U.S.: Nasdaq USD6.9 0.03 0.4366812227074236% /Date(1462373355020-0500)/ Volume (Delayed 15m) : 8517 P/E Ratio 0.16895296439048788 Market Cap 1000656743.5849 Dividend Yield N/A Rev. per Employee 141030 More quote details and news » (CZR) and Clear Channel Communications (CCMO).
J. Matthew Philo, manager of the Mainstay High-Yield Corporate fund (MHYIX), generally is steering clear of lower-rated credits in favor of better situations. "This is a tale of two markets," he says. "The larger part of the market is very resilient with strong asset coverage and free cash flow."
Thanks to the wide disparity in the individual returns of junk debt, management matters, arguing for open- or closed-end funds rather than ETFs like the SPDR Barclays High Yield Bond jnk -0.2436926605504587% SPDR Barclays High Yield Bond ETF U.S.: NYSE Arca 34.795 -0.085 -0.2436926605504587% /Date(1462373480625-0500)/ Volume (Delayed 15m) : 599250 P/E Ratio N/A Market Cap N/A Dividend Yield 6.241860999425618% Rev. per Employee N/A More quote details and news » (JNK) and iShares iBoxx $ High Yield Corporate hyg -0.2651880424300868% iShares iBoxx $ High Yield Corporate Bond ETF U.S.: NYSE Arca 82.74 -0.22 -0.2651880424300868% /Date(1462373480237-0500)/ Volume (Delayed 15m) : 396243 P/E Ratio N/A Market Cap N/A Dividend Yield 5.535057971014493% Rev. per Employee N/A More quote details and news » (HYG), which track broad indexes.
Convertible Bonds
Convertibles are an overlooked asset class because of limited issuance of new bonds and complexity, including securities that automatically convert into equity. Less than $25 billion of converts have been issued in each of the past two years because most corporate treasurers can offer low-rate "straight" debt without giving investors an equity kicker.
"There are some good opportunities," says David King, manager of the Columbia Convertible Securities fund (PACIX). He's partial to a Chesapeake Energy 5¾% convertible preferred (CHKVZ), which recently traded at about $900, below its $1,000 face value, for a 6.4% current yield. The Chesapeake convert offers a lower-risk way to play a revival in natural-gas prices than the company's common shares. King also is partial to a 2⅞% convert from biotech company Dendreon (DNDN), recently trading below 75 cents on the dollar and a 13% yield to maturity in 2016. Dendreon developed a novel treatment for advanced prostate cancer that has had disappointing revenues. The company isn't far from cash-flow break-even and could be a takeover target.
There are many open-end and closed-end convertible funds, plus a sizable ETF, the SPDR Barclays Convertible Securities cwb -0.4871319267331324% SPDR Barclays Convertible Securities ETF U.S.: NYSE Arca 42.9199 -0.2101 -0.4871319267331324% /Date(1462373117853-0500)/ Volume (Delayed 15m) : 29087 P/E Ratio N/A Market Cap N/A Dividend Yield 1.9734002906868409% Rev. per Employee N/A More quote details and news » (CWB).
After another strong year in which the sector returned 18%, investors may want to tread cautiously because REIT valuations aren't cheap in absolute terms or in relation to the S&P 500 index.
But REITs now trade for about 16 times 2013 funds from operations, a cash-flow measure favored by the industry. That compares with a multiple of 13 for the S&P 500. REITs look even more expensive at about 20 times adjusted funds from operations, a more conservative calculation of cash flow than FFO that subtracts certain recurring expenses like office-leasing costs.
REITs, now yielding an average of 3.6%, still look good relative to Treasuries. Industry fundamentals are favorable amid higher rents and limited new construction, while financing costs are low. "REITs are trading below private-market values, and they remain a haven for people concerned about inflation. Real estate is a hard asset," says Alex Goldfarb, an analyst at Sandler O'Neill.
Goldfarb is partial to Simon Property Group spg -0.3439695550351288% Simon Property Group Inc. U.S.: NYSE USD204.255 -0.705 -0.3439695550351288% /Date(1462373444480-0500)/ Volume (Delayed 15m) : 794 P/E Ratio 36.676382741372485 Market Cap 64524485914.7199 Dividend Yield 3.1397174254317113% Rev. per Employee 1076220 More quote details and news » (SPG), the mall operator and the largest REIT by market value, at $50 billion. He says that Simon is one of the best-managed companies in the business, generating more than $1 billion of free cash annually beyond its dividend requirements. Simon, at $158, trades for 19 times projected 2013 FFO. While third-tier malls may be struggling, those owned by Simon and others like Taubman Centers tco 0.22290331568682084% Taubman Centers Inc. U.S.: NYSE USD71.94 0.16 0.22290331568682084% /Date(1462373477627-0500)/ Volume (Delayed 15m) : 3689 P/E Ratio 42.37768848971874 Market Cap 4331492373.38989 Dividend Yield 3.3184606804238705% Rev. per Employee 914141 More quote details and news » (TCO) are in good shape.
Apartment REITs lagged behind the group last year, and Goldfarb is partial to Post Properties pps 0.08461668641056017% Post Properties Inc. U.S.: NYSE USD59.14 0.05 0.08461668641056017% /Date(1462373413075-0500)/ Volume (Delayed 15m) : 1478 P/E Ratio 41.375545851528386 Market Cap 3160546809.30893 Dividend Yield 3.2002723636054133% Rev. per Employee 625176 More quote details and news » (PPS), which has a good position in the Sunbelt and low financial leverage. He also likes Essex Property Trust ess -0.00894774516821761% Essex Property Trust Inc. U.S.: NYSE USD223.5 -0.02 -0.00894774516821761% /Date(1462373481978-0500)/ Volume (Delayed 15m) : 4914 P/E Ratio 64.04011461318052 Market Cap 14624243756.0968 Dividend Yield 2.8635346756152127% Rev. per Employee 678874 More quote details and news » (ESS), which has about half of its portfolio in Southern California, a region now reviving.
Municipal Bonds
With yields on top-grade munis similar to those on Treasuries, the relative appeal of the $3.7 trillion market is good, but absolute yield levels in the 1%-to-3% range aren't great with inflation running at about 2%.
Munis got a break when the congressional budget deal lifted top tax rates on the highest earners and thus heightened the appeal of tax-free income. To top it off, legislators chose not to tax the muni-bond interest of the highest earners, as some had feared.
That helped produce a rally on Wednesday, as long-term munis gained about 1% even as long-term Treasuries declined 1%. "While we are unlikely to see significant capital appreciation in municipal bonds, their after-tax yields are attractive, and munis remain a solid source of income," wrote BlackRock strategist Koesterich.
The idea of taxing muni-bond interest is dormant but not dead. If enacted, such a tax on munis likely would cut their demand, potentially lifting rates as much as half a percentage point and crunching long-term bonds. Many state and local governments face a large and festering pension problem. Given the risks, muni buyers might want to avoid long-term issues and stick with a fund like the Vanguard Intermediate Term Tax-Exempt fund (VWITX), which has low fees. Many investors favor individual bonds, but the downside is limited liquidity if holders ever need to sell.
Preferred Stock
With banks solidly profitable and the bond market strong, the preferred market has rallied sharply since the financial crisis, dropping yields on most bank issues to less than 6% from double-digit levels during 2009. Barron's has written favorably on preferred several times in the past four years.
Issuance has surged as banks have taken advantage of lower rates to lock in long-term equity financing. Issuance totaled about $33 billion in 2012, including several big retail-oriented deals priced at $25 a share from JPMorgan jpm -0.8951406649616368% JPMorgan Chase & Co. U.S.: NYSE USD62 -0.56 -0.8951406649616368% /Date(1462373491368-0500)/ Volume (Delayed 15m) : 734070 P/E Ratio 10.463497453310696 Market Cap 228760588029.469 Dividend Yield 2.8557520687976634% Rev. per Employee 415127 More quote details and news » (JPM), Wells Fargo wfc -1.158806932688432% Wells Fargo & Co. U.S.: NYSE USD49.045 -0.575 -1.158806932688432% /Date(1462373490160-0500)/ Volume (Delayed 15m) : 1128156 P/E Ratio 11.92109756097561 Market Cap 252862304687.5 Dividend Yield 3.109878980696245% Rev. per Employee 345414 More quote details and news » (WFC), and BB&T bbt -0.8613264427217916% BB&T Corp. U.S.: NYSE USD34.53 -0.3 -0.8613264427217916% /Date(1462373455493-0500)/ Volume (Delayed 15m) : 126454 P/E Ratio 13.361867704280156 Market Cap 28283702561.737 Dividend Yield 3.26150262085032% Rev. per Employee 281048 More quote details and news » (BBT). While dividends look safe and remain tax advantaged, most preferreds don't look attractive thanks to their interest-rate risk.
The typical $25 retail preferred usually has a bad combination of a perpetual maturity and a five-year redemption feature at the issuer's option. "The risk-reward profile of these securities does not appear attractive; their upside is capped by the call option, but they could sell off significantly in a rising rate environment," wrote Barclays credit analyst Shobhit Gupta in a recent report.
Two exceptions are unusual preferreds from Wells Fargo and Bank of America that yield more than their regular issues and effectively aren't callable unless there is an enormous rise in common-stock prices. The Wells Fargo Series L has a 7.5% dividend rate and a price of $1,225, way above its face value of $1,000. It yields 6.09%, almost a full point above the bank's other preferreds. Bank of America's 7.25% Series L trades at $1,135 and yields 6.34%. Columbia's King notes that if the banks want to redeem them, they likely will have to pay investors a premium above the current price.
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dear jesus.... dear nobody.... dear god....dear horus...dear gaia.....dear all you motherfuckers chillin in the clouds
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please stop fucking around.
i know that it is up to me and we are one....but give me a god damn break. this is ridiculous.
help me out a bit. give some sort of good luck or assistance.
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like something. i know i am the fool and running on the wheel of fortune but you see whats going on here.
throw a dog a freakin bone.
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Everytime we are about to move forward someone/thing throws a spanner in the works. A recent test on a group has shown that they hav'nt stopped what they have been doing for the past few years and thus we have to restart the grid.
The irish have a saying - "if they wonlt stop fucking about, blow 'em up".
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there will be no restart!
stop listening to the bullshit propaganda
this dispensation is toast
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2016 Coupes
Any two-door that's not a convertible or a hatchback, coupes are often sports cars or luxury cars, but can be economy cars like the Honda Civic Coupe and Kia Forte Koup. Stepping into the sports car realm are the Scion FR-S and Hyundai Genesis Coupe. Muscle cars like the Mustang and Camaro fall into this category too. Luxury models range from the BMW 4 Series, to the Mercedes SL and all the way to Bentley and Rolls-Royce models.
View All Coupe Reviews Recent Coupe Reviews
2016 Mercedes-Benz E550 Coupe Review
After seven years on the market, is it still as good as we remember?
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2016 Audi TT Review: Curbed with Craig Cole
When the Audi TT debuted back in the late 1990s, it was as much a fashion accessory as it was an automobile.
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2016 Chevrolet Camaro 2.0T Review
A new generation Camaro with a whole new engine option, this 2.0T is more than capable of taking on the EcoBoost Mustang.
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2017 Acura NSX Review
Does the high-tech new Acura NSX stay true to the formula that made the original an automotive icon?
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2016 Honda Civic Coupe Review
How good is a Civic with two fewer doors?
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2016 Audi S7 Review
Much more than a rolling fashion statement.
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View All Videos Recent Coupe Videos
Watch 21 Different Ferrari FXX K Exotics Tear Up the Race TrackSeeing one Ferrari FXX K would make your day, but how about 21 different ones tearing up a track at the same time?
- Watch and Listen as a Bugatti Chiron Gets Unloaded in Monaco The way it sounds at idle gives you a hint at how savage it will sound at full throttle.
- The LEGO Porsche 911 GT3 RS Is Expensive, But We Still Want One Even the LEGO Porsche 911 GT3 RS will cost you a pretty penny.
- Watch the Ford GT Race Car Lap Silverstone in a 360-Degree Video You can now get inside the Ford GT racecar and relive a lap at the world-famous Silverstone race track.
- Hennessey Venom GT Teasing New World Speed Record Now that there's a new Hennessey Venom GT, it's no surprise a new record is about to hit the books.
View All Coupe News Recent Coupe News
Watch 21 Different Ferrari FXX K Exotics Tear Up the Race Track
Seeing one Ferrari FXX K would make your day, but how about 21 different ones tearing up a track at the same time?
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2017 Chevrolet Corvette Grand Sport a Bargain at $66,445
A good alternative for those who can't quite afford the Chevrolet Corvette Z06.
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2018 Ford Mustang Mach 1 Spied Testing
Ford is testing a new version of the Mustang that will sit between the GT and Shelby GT350 models.
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BMW M4 GTS Looks Slick as 2016 DTM Safety Car
The BMW M4 GTS has been named the official DTM safety car for the 2016 race season.
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Poll: Volkswagen Golf R or Audi TT?
Today we pit two Volkswagen Group products against one another in our latest poll!
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Top 10 Cars to Look Forward To: 2016 Edition
There's quite a bit to look forward to in the next three to five years, no matter the budget.
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text: A&O leads for Nationwide on Dunfermline takeover By The Lawyer 30 March 2009 14:12 17 December 2015 15:12 Sign in or register to continue reading. It's FREE Sign in Email Password Keep me logged in Forgot your password? Not registered? It's FREE! Register now Register with The Lawyer Name Email Cancel reply Threaded commenting powered by interconnect/it code.