text:
Intel's Q4 Gives Wall Street Indigestion
TheStreet) -- Intel's (INTC - Get Report) fourth quarter wasn't as bad as feared, as the world's largest chipmaker exceeded analysts' estimates. The quality of the earnings beat however, is a different story. The Santa Clara, Calif.-based company reported earnings of 48 cents a share on $13.5 billion in revenue. Gross margins, an important metric for Intel, came in at 58%, 100 basis points better than the company was expecting.Analysts surveyed by Thomson Reuters were looking for Intel to report earnings of 45 cents a share on $13.53 billion in revenue. Aiding the report was a lower-than-expected tax rate, which helped lift earnings. The company's tax rate during the quarter was 23%, well below the expected tax rate of 27%. "The fourth quarter played out largely as expected as we continued to execute through a challenging environment," said Intel CEO Paul Otellini, in a statement. "We made tremendous progress across the business in 2012 as we entered the market for smartphones and tablets, worked with our partners to reinvent the PC, and drove continued innovation and growth in the data center. As we enter 2013, our strong product pipeline has us well positioned to bring a new wave of Intel innovations across the spectrum of computing." Intel's first quarter and full year 2013 guidance, however, were weaker than Wall Street's looking for. For the first quarter, the No.1 chip maker expects revenue of $12.7 billion, plus or minus $500 million. Gross margin is expected to be 58%, plus or minus a few hundred basis points. Analysts polled by Thomson Reuters expect $12.9 billion in sales and earnings of 39 cents a share. For the full year, Intel is expecting a low single-digit percentage increase for revenue, and gross margins are expected to be around 60%. Shares of Intel closed the regular session higher, gaining 2.58% to finish at $22.68. The stock is moving lower in extended-hours trading, falling 5.16% to trade at $21.51. -- Written by Chris Ciaccia in New York >Contact by Email. Follow @Commodity_BullNEW YORK (
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Buy Canon Digital Cameras Deals
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Fantasy Cami
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What Is Private Mortgage Insurance (PMI)?
Private Mortgage Insurance (also referred to as mortgage protection insurance on the West Coast) is a costly insurance premium that the borrower pays to protect the lender in case he defaults on the loan. As part of the loan qualifications set out by Fannie Mae and most secondary market investors, a borrower is required to pay private mortgage insurance (PMI) when they don't put down at least 20% of the home's purchase price as a down payment. But with the right loan, it doesn't have to be an obstacle. In fact, your home lender may allow you to buy it down, just like points buy down a mortgage.
Just How Costly Is Private Mortgage Insurance?
Mortgage protection insurance increases your monthly payment and may be tax-deductible (please check with your tax advisor). The cost of private mortgage insurance varies, but generally it calculates to about one-half percent of the total loan amount. Let's say you buy a home for $200,000 and put 5% down or $10,000. The annual cost of PMI on your $190,000 mortgage might run $950 a year, adding an extra $80 to your mortgage payment each month. However, this doesn't necessarily mean your payment will be $80 cheaper if you can avoid PMI.
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If your home lender doesn't offer any options to avoid paying PMI, there are other ways to help you avoid it.
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This Post Has 2 Comments
I am looking to get insurance on my home that I bought. I owe less then 15,000 on it and we are in the process of fixing it up. do you all think that we could some kind of insurance on it for just the amount owed. we are doing a land contract the house has wood heat and no siding. I also have 6 dogs, I am telling you these pieces of info because these have been stumbling blocks for me.


text:
Batman by superstarmario17Watch
©2012-2016 superstarmario17
Batman, particularly the way he looks in the animated series and justice league. Tell me what you think in the comments. (EDIT) I uploaded a new picture, I fixed the ears, and this is a better shot than the previous one.
cool! you did it by yourself?
All by myself.
good job!!got robin?
look pretty good but ever thought of doing one with joints and parts?
Thanks, that would be cool, I just wish I had the tools to do it.
did u make this? or is it just a figure that u bought?


text:
Starbucks by angelslainWatch
©2007-2016 angelslain
Simple stamp, I just wanted my own starbucks stamp, you're welcome to use it, just if you do
Very nice stamp! Awesome! Starbucks FTW!
Vanilla Latte :3
There aren't any Starbucks in Italy, my next trip outside of Italy I'll taste a Starbucks coffee ;'D
I like to get the Iced Caramel Machiatto
Caramel Frappes: MY LIFE!!!
using thanks !!
Iced White Chocolate Mocha FTW!
Starbucks, the only coffee shop where their coffee is actually good
OMG! Starbucks!
if someone was to try to destroy america, their first target should most definately be starbucks, kuz we are dead without our caffine x)
I love me some starbucks...=w=
It's called addiction.
Nice stamp & yay Starbucks!
It IS the best coffee ... ^^
very cool working on an sbux ad campaign for school might give this a try also thanks
Lol , I love Starbucks coffee when it's not made by Starbucks themselves ( lol! They like, burn my coffee a lot or something, I'm guess it's because of the heavy traffic. If you go to a smaller place that sells their coffee, it's just way more fresh @o@)
But I love coffee in general ;__;
But I love coffee in general ;__;
Awesome colours as well as idea
Ewwww! Starbucks coffee sucks to me! D:
Italian coffee rulez
Italian coffee rulez
Great Stamp!
Nice stamp, i like it!
coffee is my drug of choice... XD!! ... I am using this one!!
This is my favorite Starbucks stamp because it's simple and really nice looking.
A definate favorite, both the store and the stamp.
Although i do wish that Starbucks would stock up on Doughnuts.
Although i do wish that Starbucks would stock up on Doughnuts.
Lol, the cookies they have are awesome though
The best one I've seen so far. Like it. (:
I love my 1/2 shot espresso White Chocolate Mocha. (:
I love my 1/2 shot espresso White Chocolate Mocha. (:
Oh boy! I love this stamp. Thanks for sharing it! Kathy
Yay Starbucks! I'll have to put this in my journal, I love it. ^.^~
mmmm, coffee plz. :3


text:
NEW YORK ( TheStreet) -- It's being called "the world's best car" by many people who drive it -- including me -- but can it handle a 1,100 mile high-speed dash through the deserts and mountains of the American West? I'm writing about the Chevrolet Volt, the electric car with a gasoline engine as range-extender.I'm one of the still relatively few people who have put thousands of miles in the all-new Chevrolet Volt, and people often ask me: Can it handle going at a steady 73 miles per hour for over one thousand miles, up and down the hills? So I set out to prove it.
|Chevrolet Volt


text:
How do I handle my feelings of failure for not breastfeeding?
I've tried exhaustively -- and unsuccessfully -- to breastfeed my baby. It was always a struggle, even after I got professional help. During my pregnancy I was so excited about the idea of breastfeeding. Now I feel like a failure, especially because of all the information out there about breast milk being best. What should I do?
Posted: 08/24/2004 by a BabyCenter Member
Mom Answers
Sort by: best answers | most recent answers
111 - 120 of 396 answers
Heather- Ryan is a very lucky little boy. Of course if your child is allergic to your breast milk it isn't the best thing for them but in other cases, I fully agree that you should continue to try until you find a successful method. My husband and I are both in the Marine Corps. He left for Iraq when our son was seven weeks old and I had to go back to work four days after he left. Juggling handling my husband being at war, taking care of my new baby, going to work, doing the chores, paying the bills and getting back down to the weight standards and up to the physical fitness standards the Marine Corps has made breast feeding incredibly difficult but I stuck to it and am glad I did. You can do it...sometimes it just takes patience.posted 08/31/2004 by AidenWilliamsMom
Please don't feel guilty. Unlike most of the other respondents I chose not to breastfeed without even trying. It hasn't hurt my children in the least. My 7 year old is so healthy and is growing in leaps and bounds and my 8 month is as happy and healthy as anyone could ever wish for. There is so much love in my household and I don't worry one bit that my children have suffered by me not breastfeeding. It's a personal decision and it's what works best for me and my family. Be confident in your parenting decisions. With all of the opinions out there, you won't survive otherwise. Take care.posted 08/31/2004 by a BabyCenter Member
I had the same problem with my son, now 4 months old. No matter what I did he wouldnt latch on. He was'nt getting anything, he was miserable, and I felt like I was starving my baby. I really wanted to breast feed and I was very discouraged.. But then i realized, breast milk is what is best for my baby, not just the breast. I had purchased the Medela pump in style dual breast pump. ($214 on babyage.com), and I have been using it ever since. My son has been bottle fed breast milk only for 4 months. His pediatrician could'nt believe how well this "breastfed" baby was thriving. I pump and save the milk in the refrigerator. In the middle of the night it takes me 5-7 miniutes to pump, and I feed him. No running to the refrigerator for formula. It has worked very well for me. Dont stress, try it if you feel its something you want to do. Good luck, and congratulations!posted 08/31/2004 by kmsemrow
Do not feel bad about not breastfeeding. Sometimes it just doesn't work out. With my first, he was in the NICU for the first week and they gave him a pacifier and bottle because they had to monitor the fluids he was receiving. By the time he was allowed to try to latch on he didn't want to. He was perfectly happy with the rubber nipple and wanted nothing to do with the breast. I tried to get him to latch on for about 2 months, and even though I am glad he got that breastmilk for those 2 months, I remember walking around like a zombie those first 2 months. I would spend about 20-30 minutes at the beginning of each feeding trying to get him to latch on, then go warm up a bottle of breasmilk from the fridge, then feed him, then have to pump for the next feeding after putting him down. I probably would have tried to do this for much longer, but my milk supply began to dry up from not enough stimulation. In the end, I gave him formula and it was better for the both of us. We weren't fighting during feedings, we were both sleeping much better, and I could enjoy my baby. Sometimes it's just better that way. I now have a 3 week old however, and he latched on from the start and eats great at the breast. So, don't worry, each kid is different. If you really want to breastfeed, you can always try again with number 2. :-) Best of luck to you and your little one!posted 08/31/2004 by RacerAngell26
If supply is the problem, you might want to see about taking "Fenogeek." I think it's an herbal tea that's supposed to increase your milk supply. If you haven't already, talk to a lactation consultant (you can probably find one through your local hospital) - they can give you more info and may be able to give you more practical tips than your doctor can. If latching on is the problem, some will even visit you to help get it established. Whatever the case is, they might be able to help. If you've already done all that and it's just not happening for you - don't beat yourself up. What your baby needs most is your love and clearly he/she has that. And yes, all the current stuff says "Breast is Best," but when most of us were babies they said formula was better! Maybe 20 years from now they'll be back to that - who knows. Either way, you've given it your best and that's all you can do. I sympathize with your dissapointment, but remember that there are some benefits to formula too (Dad can feed, allows you a little more freedom, longer stretches between feeding...). As long as your baby is getting the nutrition he needs, that's what counts. You have to do what's best for your baby and if breastfeeding isn't working, than it's not best for him. So please don't feel bad, and don't the "boob nazi's" make you feel worse. Best of luck...posted 08/31/2004 by my_baby_love
Of course you are NOT a failure!!! You have tried your best to breastfeed and that is all you can do. You cannot force your body to produce more milk. There is more to motherhood than what you feed your child...don't be fooled by thinking you are a better mom if you breastfeed and a worse one if you don't. I breasfed exhaustively for 6-8 weeks and even tried pumping to measure what my son was eating. Nothing worked! He was constantly hungry and my supply could not keep up. I weaned him onto formula and it was the best thing I ever did! He was getting full at feedings and I was getting some sleep:) He's now 6.5 months old, healthy, and very happy!posted 08/31/2004 by LaurenPatterson
So, breast feeding isn't working out. In my opinion, all formulas are not alike. I feel some are better than others and easier to digest for the younger baby ( approx 3 mos and younger). Carnation's Good Start is best and easiest to digest. Emfamil is second. These both mix easily and completely. Enjoy your baby and don't stress.posted 08/31/2004 by cvms
To Grace's mommy and Anonymous: I stated in my post that I was not trying to make anyone feel bad or guilty- that was not my intent. I was stating the benefits of breastmilk. I am glad that so many people know the benefits, but there is a lot of misinformation out there as well, and people who do not really think there is any difference between breastmilk and formula. You shouldn't feel guilty if you have tried the best you can to give breastmilk to your baby and it doesn't work. I didn't mean to offend you.posted 08/30/2004 by hamama3
You can only do your best. My son had both formula and breast milk for the first seven months before going on just formula. I had to take "domperidone" to get my milk supply up. It worked great.posted 08/30/2004 by a BabyCenter Member
All that matters is that you love your baby. I tried to breastfeed my son who is now six months old and it was not working. Now he is on a bottle and we are both a lot happer. Breasfeeding does not make you a better or worse Mother. All that matters is that you love and take care of your baby as best as you can, and if you have a happy baby you know you are doing somthing right!posted 08/30/2004 by MaMa_Feryn
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Very good NAS case
This review is from: Athena Power RM-2U2026S60 Black Steel 2U Rackmount Server Case w/ V2.91 EPS-12V 600W Dual Fan Power Supply 2 External 5.25" Drive Bays
Pros: Good cooling, includes 4 case fans + 2 fans in the PSU
Cons: Lots of sharp edges
Other Thoughts: My first rack mount build. Installed 6x 3TB drives, ASUS M5A88-M, AMD Athlon II X3 455, 2x 4GB ram and running FreeNAS on a USB stick.
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Surya N. Vangapandu
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- [j2]Pradeep Kumar Naik, Manu Lopus, Ritu Aneja, Surya N. Vangapandu, Harish C. Joshi:
In silico inspired design and synthesis of a novel tubulin-binding anti-cancer drug: folate conjugated noscapine (Targetin). Journal of Computer-Aided Molecular Design 26(2): 233-247 (2012)
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- [j1]Pradeep Kumar Naik, Biswa Prasun Chatterji, Surya N. Vangapandu, Ritu Aneja, Ramesh Chandra, Srinivas Kanteveri, Harish C. Joshi:
Rational design, synthesis and biological evaluations of amino-noscapine: a high affinity tubulin-binding noscapinoid. Journal of Computer-Aided Molecular Design 25(5): 443-454 (2011)
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An Englewood businessman and a passenger in his single-engine plane were killed in a crash in rugged, snow-covered terrain in southeast Wyoming this afternoon.
Gilmer Mickey, 55, of Englewood was the pilot of the 1973 Bellanca 17. Its wreckage was found in Sweetwater County in the South Pass area of Wyoming, between Farson and Rock Springs, according to the Wyoming Civil Air Patrol.
Bob Albert, 55, of Fort Collins, a water quality consultant working for one of Mickey's companies, was also killed in the crash.
The plane was enroute to Fort Collins when it left Ralph Wenz Field in Pinedale at about 10 a.m. Wednesday and dropped off radar about 80 miles away, not far from where the wreckage was found at about 2:30 p.m. today, according to the Wyoming Civil Air Patrol.
The plane crashed in a mountainous, remote area and was located in about 2 feet of snow, said Civil Air Patrol spokeswoman Jeanne Stone-Hunter.
"It was found by ground crews from the Sweetwater County Sheriff's Department," she said. "Our planes couldn't go up because of the weather."
The plane's emergency beacon was not activated, she said.
The cause of the crash hasn't been determined, and federal investigators were expected at begin work at the crash site Friday.
Steven Shute of Glenwood Springs, who co-owns Pinedale Natural Gas with Mickey, said his partner is a native of Plainview, Texas. Both were petroleum engineers working in Texas oilfields until about 25 years ago, when they decided to buy their own company.
Today PNG distributes gas to more than 1,200 customers in Pinedale, Wyo., and operates the gas system for 900 meters in the town of Walden in Colorado.
"He was a good partner and a good man," Shute said of Mickey.
He said Albert had not worked on the Pinedale gas project, and he has no idea why he was accompanying Mickey on the flight.
Mickey flew his plane to Wyoming often for his business, Shute said.
The Associated Press contributed to this report


text:
six funky beatville mac os x folders for you. enjoy
-sizes up to 512x512
-.ico files included
-personal use
-sizes up to 512x512
-.ico files included
-personal use
great stuff! tnx
Thank you these Icons are beautiful <3
hi is it possible you could make these into "png" or "svg" formats cause i like them and i want to use them on ym linux
I don't care how much space these files take. I am gonna download them allll >
@giolla-bhuidhe, i use photoshop, candybar, & icon composer. hope this helps
These are fantastic. I'm just getting started with producing icons. What tools do you use?
These are great, but why no .png's for we PC users ?
thank you so much for the compliments!
Those are really cool...
Very nice folders!


text:
Brookhaven only (Mountain View is an authorized site.)
(Associate in Applied Sciences Degree)
Students pursuing this award program are required to meet Texas Success Initiative (TSI) standards and course prerequisites.
Students must earn at least 25% of the credit hours required for graduation through instruction by the college awarding the degree.
Degree Plan Code: AAS.BHC.NURSING.08
The Associate Degree Nursing Program is a four semester, 72 credit hour program leading to the Associate in Applied Sciences Degree. The program prepares graduates to be eligible to take the NCLEX-RN Examination to become licensed as a Registered Nurse (R.N.) in Texas. The program is accredited by the Board of Nurse Examiners for the State of Texas (333 Guadalupe, Suite 3-460, Austin, Texas 78701. Telephone number 512-305-7400).
The program combines classroom and skills laboratory experience with hospital clinical experience. Contact the Advising Center at Brookhaven College to receive an information packet.
Applicants must:
+Humanities/Fine Arts Elective - must be selected from any three-credit hour course from the DCCCD Core Curriculum for Humanities/Fine Arts or Foreign Language.
A minimum grade requirement of "C" or better for ALL the courses in the Brookhaven College Associate Degree Nursing is required.
Note: Students enrolling in this program who plan to transfer to a four-year institution should consult an advisor or counselor regarding the transferability of these courses to the four-year institution of their choice.


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John Brown
Learn about sponsoring this memorial...
Sep. 14, 1774
Hardy County
West Virginia, USA
Mar. 20, 1845
Clermont County
Ohio, USA
John Brown, s/o Thomas & Mary (???) Brown b. 5 p.m., md. 26 May 1801, Bourbon Co., KY by B. W. Stone to Sarah Trotter (1780-1833), d/o Samuel & Sarah (???) Trotter.
Ref: Will of John Brown, 15 February 1841, Clermont Co., Ohio
I, John Brown of the county of Clermont in the State of Ohio do make and publish this my last will and testament in manner and form following that is to say first it is my will that my funeral expenses and all my just debts be fully paid.
Second I give and devise and bequeath to my friend Jane Cox the South half of the plantation on which I now Reside situated in the County of Clermont and state of Ohio on the waters of clover lick creek being part of John Brackinridges survey No. 2373 Bounded as follows, to wit, Beginning at a Bur oak & two fallen Beeches corner to Obed E. Denham thence south 65 poles E 42 poles with the county road and lane to a stake at the turn of the Road Thence South 61 degrees 51 minutes East 214 2/10 poles to a stake in the County Road leading from Bethel to Williamsburg Thence South 57 degrees 21 minutes West 62 1/2 poles to a sugar tree & two dogwoods all fallen Thence North 14 degrees 7 minutes West 191 1/4 poles to the Beginning containing one hundred and three acres & 138 1/2 poles during her natural life if she Remains Single, In case she marry the said land is to be Sold and Said Jane is to have five hundred dollars of the money for which said land is sold, and the Remainder to be divided Equal Between my Brother Joseph Browns six sons, But in case of the death of said Jane Cox without marriage then the whole of the proceeds of the said land is to be divided with my Brothers sons aforesaid.
I also give to said Jane Cox two Beds & Bedding to be selected by herself also one clock and case one desk and Book case one dining table and as many Books as she may choose to select out of my lot of Books, and two cows such as she may choose out of my stock.
Thirdly I give and devise to Mariah Quick one Bed and Bedding and fifty dollars in money.
Fourthly, I give and devise to Philip T. Quinlan one hundred dollars to be put at interest until he shall arrive at the age of twenty one years.
Fifthly I give to Alpheus Tribble one hundred dollars to compensate him for to erect tombstones at my grave.
6th The North half of my plantation I wish my Executor to sell at publick sale and the money put at interest and paid to William Arthurs and James Arthurs, five sons say Joseph Arthur & John Arthur (Williams sons) and William Arthur John Arthur and Ohio Arthur, James sons, as they may arrive at the age of twenty one years.
7th I wish the Remainder of my Estate if any Remains to be Equally divided with the aforesaid heirs of James Arthur, William Arthur and Joseph Browns.
8th and lastly I hereby constitute and appoint Alpheus Tribble and William B. Reed to be the Executors for this my last will and testament Revoking and annulling all former wills by me made and Ratifying and confirming this and no other to be my last will and testament. Whereof I have hereunto set my hand this fifteenth day of February 1841.
(signed) John Brown
Signed and published and declared by the above named John Browns and for his last will and testament in presence of us who at his request have singed as witness to the same.
John Quinlan
Samuel M. Denham
Family links:
Thomas Brown (1730 - 1818)
Mary Brown (1734 - 1816)
Brown (1780 - 1833)
Penny (1755 - 1829)
Mary Ball
Sodowski (1756 - 1816)
Curl (1758 - 1826)
McArthur (1762 - 1803)
George Brown (1766 - 1825)
William Brown (1768 - 1835)
Joseph Brown (1770 - 1861)
John Brown (1774 - 1845)
Calculated relationship
Brown Family Cemetery
Clermont County
Ohio, USA
Created by:
Bob Orr
Record added: Jun 14, 2008
Find A Grave Memorial# 27550500
Added by:
Bob Orr
Photos may be scaled.
Click on image for full size.
Added: Apr. 13, 2015
Rest in peace - Brother-in-law of 5th Great Grand Uncle.
Denny Roach
Added: Feb. 13, 2012
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December 2009: Making the Grade
Making the Grade
Second-year Apprentice Takes 1st Place
in Four-year Contest
Darren Tobolt of Bloomville, Ohio, received 1st place honors in the Brick Division of the International Apprentice Contest, held in September at the John J. Flynn International Training Center in Bowie, Md. The contest was sponsored by the International Union of Bricklayers and Allied Craftworkers (BAC).
A 2008 high school graduate, Tobolt is just starting his second-year apprenticeship, yet he outscored apprentices from 13 other regional contests, many with four years of experience. Nominated by his BAC Local 40 of the Ohio Administrative District Council, Tobolt advanced to the national competition by advancing through a district contest and, then, a regional contest.
"Our winners represent levels of skill that are truly extraordinary," says BAC President and International Masonry Institute Co-Chair John J. Flynn. "It's a testament to their dedication to their craft and to the Union Industry's commitment to quality training."
Tobolt is familiar with big contests. During the summer of 2008, he competed in Kansas City, Mo., at the national masonry contest sponsored by SkillsUSA and held at the H. Roe Bartle Convention Center.
In 2008, Tobolt graduated from the Pioneer Career and Technical Center in Shelby, Ohio, under the tutelage of 25-year veteran instructor David Rader.
"Darren Tobolt was always a good student – a hard worker, dependable, and a quality young man," says Rader. "He started out quiet, but steady. By his senior year, he was doing everything I asked of him."
Tolbolt speaks well of his instructor as well. "I owe most all of my success to Mr. Rader. He gave me my foundation, teaching me all the fundamentals and techniques. He influenced me by continuing to challenge me to be the best that I can be. And, he encouraged me to compete in masonry competitions."
The mutual respect was exemplified when Rader drove from Ohio to Maryland to support Tobolt in the BAC/IMI International Apprentice Contest.
Back on the job, Tobolt received the praises of his employer, Andy Studer, a partner in the Studer-Obringer Construction Co. "It's not as common as it once was, so we were very fortunate to be able to employ a young man with skills and a strong work ethic," Studer says. "Darren is always reliable. He is an employee we can count on with the talent to be a long-term employee. I hope he maintains his interest in masonry."
Related Posts
- 38
- 37August 2015 As a skilled labor shortage in the masonry industry continues to frustrate, we are reminded in this article of why the masonry trade is such a viable option for young people today. Masonry is an indispensable trade. Without working masons to construct important new buildings and perform needed…
- 34October 2015 Seeing the Future Before our Eyes Mark Kemp Chairman Mason Contractors Association of America email@example.com I am writing this newsletter on my way home from attending the ICE meetings in D.C., and then going to Baltimore to attend the BAC National Apprenticeship contest. It is always good to…
- 33September 2012 Business Management What It Takes Interview by Jennifer Morrell The best way to learn what it takes to keep a masonry construction business in the black is to go straight to the sources. Masonry consulted three of our industry's best, each with a unique perspective on successfully managing…
- 33April 2014 2013 Changes in The Masonry Code The most recent addition of the Building Code Requirements and Specifications for Masonry Structures (TMS 402-13/ACI 530-13/ASCE 5-13) has been out since the fall of 2013. Are you aware of the changes? By Paul Curtis Since the late-1980s, the Masonry Standards Joint…


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The Good Shepard by spacecoyoteWatch
©2012-2016 spacecoyote
FemShepard from the Mass Effect series. Practice painting armour with watercolours. I find armour easier to do with blocks of colour instead of drawing the lines out. Would like to spend more time on it but I need sleep.
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An Interview with the IEA's Neil Atkinson
Give your kids the knowledge they need
Join the NASDAQ Community today and get free, instant access to portfolios, stock ratings, real-time alerts, and more!
Groupon Inc.
) reported loss per share of 5 cents (including stock-based
compensation but excluding non-operational loss of 47 cents) in
the fourth quarter 2012, which was wider than the Zacks Consensus
Estimate of a loss of 2 cents per share. The non-operational loss
was associated to the impairment of a cost method investment in
However, when compared on a year-over-year basis, loss per
share improved from 8 cents incurred in the year-ago quarter.
This improvement was primarily due to higher revenue base.
Quarter Details
Though revenues increased 29.7% year over year to $638.3
million, it marginally missed the Zacks Consensus Estimate of
$639 million. Sequentially, revenues were up 12.3%.
Region-wise, revenues from North America was up a staggering
108.9% year over year to $375.4 million, aided by robust direct
and third-party revenues. However, Groupon's international
revenues decreased 15.9% year over year to $262.9 million due to
lower direct revenues.
The strong year-over-year revenue growth was primarily due to
higher gross billing, which increased 23.5% year over year to
$1.52 billion in the reported quarter. This year-over-year growth
can be attributed to a steady increase in the number of active
customers, which stood at 41 million as of Dec 31, 2012.
In North America, Groupon's active customer count grew 22%
year over year to 17.2 million and its international customers
count jumped 21% to 23.8 million.
The company reported an operating loss of $12.9 million, which
was narrower than $15 million lost in the year-ago quarter.
Sequentially, the company's loss widened from a profit of $27.9
million, primarily due to growth in the lower margin direct
business and investments to expand local merchant base.
Net loss (including stock-based compensation but excluding
non-operational loss was associated to the impairment of a cost
method investment in China) came in at $30.5 million, which was
narrower than a loss of $42.2 million in the year-ago
Groupon exited the fourth quarter with cash and cash
equivalents worth $1.21 billion and the company had no debt. Cash
flow from operating activities was $65.7 million while free cash
flow was $25.7 million at the end of fourth quarter.
For the first quarter of 2013, Groupon provided a tepid
outlook. The company forecasts revenue to increase in the range
of 0% to 9% to $560 million to $610 million, lower than the Zacks
Consensus Estimate of $646 million.
Groupon expects operating income to be in the range of ($10.0)
million to $10.0 million for the first quarter.
Our Take
We believe that Groupon is well positioned to gain from rising
e-commerce spending on mobile devices, a profitable domestic
market and an under-penetrated international market. We expect
these opportunities to continue to drive top-line growth going
However, we believe that the market is getting more
competitive due to the growing interest from technology stalwarts
such as
) and
). Moreover, a volatile macro economic environment and continued
investments to expand its merchant base are expected to impact
results in the near term.
Currently, Groupon has Zacks Rank #3 (Hold).
The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.
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Horse Riding Equestrian Outdoor Clothing Trousers Pants 56
Price: $54.00 In stock
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One of the most comfortable Horse Riding Trousers Pants you will find. Great for schooling or just mucking around the barn. Made of 100% Cotton, this Kids Trousers Pants is soft durable enough for a long time to wear. The Cotton Trousers Pants can give you the perfect fit all the time, whether riding or working around the barn. The kids Horse Riding Trousers Pants are designed to be relaxed fit, yet they still will allow good grip while riding. This Horse Riding Trousers Pants features superior quality materials and excellent tailoring offer the rider high performance in the saddle. Your kids can feel comfortable and soft whenever you wear it. So what are you still waiting for?


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Tuscanor Victorian Beaded Twin Brass Wall Light
Height: 125mmWidth: 285mmProjection: 165mmMax Wattage: 60WCandle Sleeve: 70mmCandle Cup: 45d x 32hDrip Plate: 62mm dia.Arm: 10mmBack Plate: 120 dia. X26P
Finish shown is antique brass.
Shades not included.
STOCK CLEARANCE - We have 1 of these light fittings in a pewter finish - please click here for more info.


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Easy Communication
Blue Jeans offers an easy video communication platform
Blue Jeans' easy video service provides a cost-effective, scalable alternative to traditional infrastructure for communication.
Here are some of the great features:
Blue Jeans makes communication simple without the hassle of rounding up your colleagues into one meeting room.
Our platform extends high quality video collaboration beyond the boundaries of specialized conference rooms. Finally, you have access to everyone you want to meet. Blue Jeans can bridge together business and consumer video conferencing solutions, enabling you to collaborate more effectively with colleagues, customers, partners, suppliers and your social network.


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Where is the evidence?
In response to Uchenne Mbaroanye (Your Views, Dec 15): In addition to theories, science has laws. A law is a fact to which there are no known exceptions; such as the law of biogenesis — only life begets life. Sir Frances Crick, co-discoverer of DNA, recognized the problem this presented for evolution and postulated that aliens may have transported DNA molecules to earth. This only moves the problem of where life originated to outer space.
Just once, I'd like for evolutionists to cite specific evidence in support of their theory, instead of statements such as "There is a lot of evidence to support evolution." The fact that there are different species is no argument for evolution, as it is commonly understood. Speciation only acts on existing information in the gene pool; it's never been known to create any new information, which is necessary to transform one kind of animal into another kind. As for critical thinking, I prefer to actually examine the evidence before reaching a conclusion.
Dean Cave, Antlers


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BETHESDA, Md., Jan. 23, 2013 (GLOBE NEWSWIRE) -- Eagle Bancorp, Inc. (the "Company") (Nasdaq:EGBN), the parent company of EagleBank, today announced record quarterly net income of $10.2 million for the quarter ended December 31, 2012, a 42% increase over the $7.2 million net income for the quarter ended December 31, 2011. Net income available to common shareholders for the quarter ended December 31, 2012 increased 43% to $10.1 million ($0.44 per basic common share and $0.43 per diluted common share), as compared to $7.0 million ($0.35 per basic and diluted common share) for the same three month period in 2011.
Eagle Bancorp, Inc. Announces Record Earnings For The Fourth Quarter Of 2012, With Full Year 2012 Earnings Up 44%
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11 Christmas Crafts for Kids to Create
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Festive Jars for Kids
By: Kim King from 4 Crazy Kings
We are adding the project to your Christmas Projects.
The project was added to your Christmas Projects.
Click here to view your Christmas Projects.
A project that's both a great way to reuse Christmas craft pieces and entertain your kids are these Festive Jars for Kids. These easy kids Christmas crafts use beads and colorful holiday leftovers for a project your kids can decorate with their own creative ideas. It's a great way to keep children of all ages occupied during their winter break.
Estimated Cost: Under $10
Time to complete: Under an hour
For more jar crafts, take a look at our collection 16 Jar Craft Projects for Christmas Jars Year Round.
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- 11 Christmas Crafts for Kids to Create
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- A Very Homemade Christmas: 13 Craft Ideas and Breakfast Casserole Recipes for the Family
- How to Make an Angel for Christmas: 7 Angel Crafts
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- Winter Wonderland: How to Make 8 Snowflakes, Snow Crafts, and Snow Projects
Our Newest Projects & Articles
- 24 DIY Garland Crafts for Christmas
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- Easy Wreath DIY Napkin Rings
- Paper Gingerbread House Candy Box
- Super Simple Washi Tape Ornaments
- Crocheted Snowmen DIY Garland


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Blogs Home
with Tags: ibmsecurity X
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Storify: IBM Unveils Industry's First Intelligent Cloud Security Portfolio for Global Businesses
LAURA BRUCE firstname.lastname@example.com Tags: enterprise security softlayer iaas global cloud private public ibmcloud ibmsecurity analytics hybrid 1,470 Visits
[ View the story "IBM Unveils Industry's First Intelligent Cloud Security Portfolio for Global Businesses" on Storify ]
from Blog: IBM Cloud Analyst Insights
Top 7 Cloud Security Questions to Ask Community Blog
Marcel Santilli email@example.com Tags: cloud-security ibmsecurity cloud security 3,944 Visits
location.replace("http://securityintelligence.com/top-7-cloud-security-questions-to-ask/"); We've reached the point that most enterprises have moved past "If we deploy a Cloud," to "When we deploy a Cloud." Often...Modified by Marcel Santilli email@example.com
Top reasons why customers still bet their business on the mainframe Community Blog
Marcel Santilli firstname.lastname@example.com Tags: cloud ibm-security mainframe-security mainframe mobile ibmsecurity security business byod 7,140 Visits
This post is written by Anne Lescher , Product Marketing Manager with IBM Security Solutions. It seems like everyone is rushing to keep up with the latest IT innovations supporting our business operations. There is pressure to...Modified by Marcel Santilli email@example.com
A Zen Approach to Security Community Blog
Marcel Santilli email@example.com Tags: network-security security host ibmsecurity virtual-environments ibm_security network networksecurity vikash-abraham 3,969 Visits
Post by Vikash Abraham , Product Marketing Manager for IBM Security Solutions What Zen, Ancient Wisdom and Infrastructure Security Have in Common Ancient wisdom continues to amaze me, and this struck me: Isn't there a...Modified by Marcel Santilli email@example.com
Opportunity begets reality: The evolution of threats on the internet Community Blog
Bryan Casey email@example.com Tags: attacks cybersecurity security ibmsecurity cyber-security ibm-security 2,734 Visits
Today, there is a greater understanding of cyber security risks and challenges than ever before because it is hard to go even a single day without reading a story about an organization that has been breached. For many people the challenges around...Modified by Marcel Santilli firstname.lastname@example.com
Security is a multi-dimensional puzzle
Marcel Santilli email@example.com Tags: data impact2013 ibmimpact cto big-data ibm_security cloud ibm-security mobile-security social mobile-applications nataraj-nagaratnam security ibmsecurity ibm-impact 2 Comments 5,194 Visits
Post by Nataraj Nagaratnam ( @n_nataraj ) We are all witnessing how technology impact business, and how this is shaping up the future of enterprise IT. Current and emerging technologies - mobile, cloud, big data, social - help businesses...
from Blog: Middleware Conversations
Infosecurity Europe 2013: Day 3 Thoughts Community Blog
Marcel Santilli firstname.lastname@example.com Tags: ibmsecurity guardium risk security-intelligence infosececurity infosecurity-uk incident-response securie-coding auditing security qradar siem infosecurity-europe san security-requirements ibm_security infosec13 ips risk-assessment mainframe ibm-security infosec database-security 3,460 Visits
As the third day came to a close on Infosecurity Europe and our stand is now slowly being taken down, I wanted to provide some key highlights of the whiteboarding sessions that happened live on our interactive graffiti wall. How...Modified by Marcel Santilli email@example.com
Infosecurity Europe 2013: Day 2 Thoughts Community Blog
Marcel Santilli firstname.lastname@example.com Tags: infosecurity security infosec ibm_security tom-kendall mobile-security security-intelligence infosec13 europe ibm-security qradar ibmsecurity 2,711 Visits
IBM Security Systems had another great day at Infosecurity Europe, with good attendance at our stand for the hourly interactive graffiti whiteboarding sessions, which covered all the hottest security topics. In our workshops we had...Modified by Marcel Santilli firstname.lastname@example.com
Infosecurity Europe 2013: Day 1 Thoughts Community Blog
Marcel Santilli email@example.com Tags: xforce ibm-x-force infosec13 ibm_security x-force infosec ibmxforce europe tom-kendall ibmsecurity ibm-security infosecurity-europe big-data infosecurity security security-intelligence vulnerabilities byod 3,168 Visits
Wow, the end of a great first day at Infosecurity Europe . Our stand was very bright and impactful and with our industry experts, business partners and action packed agenda, it has been truly engaging day! We had four workshops...Modified by Marcel Santilli email@example.com
Security at IBM Impact 2013
Marcel Santilli firstname.lastname@example.com Tags: ibmimpact ibmsecurity impact2013 ibm-impact security ibm-security 4,070 Visits
Did you know IBM Security offers one of the world's broadest, most advanced and integrated enterprise security product and service portfolios? IBM Security's portfolio, supported by world-renowned IBM X-Force research and...
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By TODD RICHMONDMADISON, Wis. (AP) â¿¿ Republicans in the Wisconsin Assembly approved a polarizing mining bill Thursday and sent the measure to Gov. Scott Walker for his signature, completing a long push to help a Florida-based company open a giant iron mine near the shores of Lake Superior over environmentalists' objections.
Wisconsin Assembly Passes Sweeping Mining Bill
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Evgeny Svetlanov conducts Nikolai Rimsky-Korsakov
6 CD / Boheme / 2009-03-10Works: Nikolai Rimsky-Korsakov: Symphony no 1 in E minor, Op. 1; Symphony no 2, Op. 9 "Antar"; Symphony no 3 in C major, Op. 32; Boyarinya Vera Sheloga, Op. 54; Maid of Pskov "Ivan the Terrible"; Scheheraza...
Conductors: Svetlanov, Evgeny
Ensemble: Russian State Academic Symphony Orchestra
Continuing the series from The Anthology of Russian Symphonic Music, this 6-CD set displays Evgeny Svetlanov's mastery of the music of Rimsky-Korsakov....continue...
By Request - A Collection of Our Favorites / Mainstreet Brass
1 CD / MSR Classics / 2009-01-13Works: Nikolai Rimsky-Korsakov: Mlada; Traditional: Loch Lomond; Jean Jacques Perrey: Main Street Electrical Parade "Baroque Hoedown"; Duke Ellington: It Don't Mean a Thing (If It Ain't Got That Swing); Lou...
Ensemble: Mainstreet Brass Quintet
The Mainstreet Brass comment in the notes that "For as long as we can remember, the most often received question after a concert was 'have...continue...
Stars & Stripes Forever and the Greatest Marches
1 CD / RCA Records / 1999-06-14Works: Giuseppe Verdi: Aida, opera; Victor Herbert: Babes in Toyland; John Philip Sousa: Semper Fidelis; Stars and Stripes Forever; Pyotr Ilyich Tchaikovsky: Suite for Orchestra no 1 in D major, Op. 43; Tra...
Conductors: Fiedler, Arthur
Ensemble: Boston Pops
Majestic Marches / Hayman, Slovak Philharmonic Orchestra
1 CD / Naxos (USA) / 1990-03-30Works: Richard Wagner: Tannhäuser; Camille Saint-Saëns: Suite algérienne, Op. 60; Mikhail Ippolitov-Ivanov: Caucasian Sketches Suite no 1, Op. 10; Giacomo Meyerbeer: Le Prophète; Pyo...
Conductors: Hayman, Richard
Ensemble: Slovak Philharmonic Orchestra


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Mauer thrilled to be No. 1
Updated: November 21, 2003, 4:22 PM ETAssociated Press
ST. PAUL -- Joe Mauer and the Minnesota Twins had been watching each other for years, and the baseball draft finally brought them together.
The Twins used the No. 1 pick in Tuesday's draft to select the left-handed hitting catcher who grew up a Twins fan, lives just 8 miles from the Metrodome and plays at Cretin-Derham Hall High School in St. Paul, Minn.
"This is a natural for the Minnesota Twins," general manager
Terry Ryan said. "He just happens to be from St. Paul the year
we're ...
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Alaska Humanities Forum is now accepting applications for its 2013 general grants program. AKHF funds media, oral history, public meetings, exhibits, research and planning projects for up to $10,000 per grant. Non-profit groups and organizations, ad-hoc groups and individuals are encouraged to apply.
Draft applications are due September 3, 2012. Final applications are due October 1, 2012.
To download grant guidelines and application instructions in PDF format, click the link below.
Humanities projects may include topics of archaeology, comparative religions, cultural anthropology, ethics, folklore, geography, history, languages, literature, philosophy, political science, and others.
Alaska Humanities Forum welcomes project proposals that meet our mission to "enrich the civic, intellectual and cultural life of all Alaskans."
For descriptions of AKHF-supported projects in 2012, click here.
For details on 2011 grant recipients, click here.
Questions? Email: email@example.com
Image from "Sailing for Salmon," a traveling exhibit of historic photos funded by a 2011 AKHF grant of $4,000.