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I'm looking for any recommendations for brand or source to get an Iowa State IPhone Case. I was looking on Amazon.com, but wasn't sure if they were any good.
I got mine from Amazon and I think it looks pretty sharp. Just an average case
Originally Posted by jtdoyle1
I'm looking for any recommendations for brand or source to get an Iowa State IPhone Case. I was looking on Amazon.com, but wasn't sure if they were any good.
I recommend the Alumni Association's online store (ISU Alumni Association - PS400 iPhone Case). I know they also sell them at the Alumni Center prior to each home football game. They're pretty cool.
You can custom make a case from case-mate. Best Custom iPhone 5 Cases and iPhone 4 Cases by Case-mate
You put your own ISU image and edit for about same price as a nice case. I have the custom heavy duty case, and love it.
I got mine from the store that was set up at the State Fair in the Varied Industries Building. It's a snap on case that looks sharp w/ the I-State logo. But the coating is already chipping on the back, and the shell doesn't protect the front edges or screen edges at all. So be careful which one you pick.
It is the mark of an educated mind to be able to entertain a thought without accepting it.
Remember, you're unique. Just like everyone else.
Praying I'm overwhelmingly shocked when bowl-season rolls around... I'll gladly change my user-name to TXCrowEater! - TXCyclone 12/15/15
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Difference between revisions of "Eric Becker on Local Slow Money Investing"
From P2P Foundation
(Created page with " Second half hour of the Equal Time radio program (the second half is on Slow Money) Podcast via http://www.resilience.org/stories/2012-11-08/slow-democracy-local-invest...")
(No difference)
Latest revision as of 12:08, 10 November 2012
Second half hour of the Equal Time radio program (the second half is on Slow Money)
Podcast via http://www.resilience.org/stories/2012-11-08/slow-democracy-local-investing-and-vbsr-s-fall-conference
"Vermonter Susan Clark has co-authored the new book, Slow Democracy: Rediscovering Community, Bringing Decision Making Back Home.
Eric Becker is Chief Investment Officer at Clean Yield Asset Management in Norwich, on how to invest your money in local businesses, and how local businesses can attract local investment.
VBSR's Scott Buckingham previewed next week's VBSR conference.
Carl Etnier hosted." (http://www.resilience.org/stories/2012-11-08/slow-democracy-local-investing-and-vbsr-s-fall-conference)
More Information
- Eric Becker on Local Slow Money Investing

subset: commoncrawl


text:
On Sat, Jun 09, 2007 at 09:13:11AM +0200, Jos Vos wrote: > On Fri, Jun 08, 2007 at 07:58:03PM -0400, Colin Walters wrote: > > > - Don't make me increment integers (Release); this is > > what computers (i.e. the build system) are for > > Whatever you suggest to change, be sure that the final spec file > contains a real integer, not a macro defined in the build system > or so. > > It's already very discussable that %{?dist} is now used in the > release tags. I know this was introduced to overcome a - what > you can maybe call - shortcome in RPM, but it has its drawbacks > and every use of non-standard externally defined macros violates > the principles of RPM, being able to reproduce package building. But the disttag is designed in such a way as to also work when there is no definition for it. -- Axel.Thimm at ATrpms.net
Description: PGP signature


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"Market Square" Kauppatori (Market Square & Market Hall) Tip by elcolibri
Kauppatori (Market Square & Market Hall), Helsinki: 77 reviews and 134 photos
Market Square is facing the cruise ships at the head of harbor. In this place begin the Helsinki´s center and crossing the street you can see the tourist office. It is a colourful place in the city, but the prizes of souvenirs are about average.
Address: Kauppatori
Directions: At the east end of the Esplanadi Boulevard
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Terjebak Nostalgia by rurimonWatch
©2013-2016 rurimon
"Terjebak Nostalgia means "Trapped in Nostalgia" < something like that idk
One of my entry for Digimon Artbook "Nostalgia". More will be previewed soon! I'm sorry for telling you so sudden ;;;v;;;;
Koushiro-han! ^q^
Digimon by BANDAI | Akiyoshi Hongo
I love this! They're both so cute! Gotta love the nerd boys.
MY BRO! just kidding!!!!!!!!!!!
Wat ._. <is happy>
muy buena imagen!!
So cute! ^^
Nice work! I love Izzy <3
This is great! I love the distinct unique facial look you've given Izzy here (I suppose the anime kind of had it too but the kids always tended to look quite similar in facial design...) Are you doing all of the main Digidestined in this manner?
Thank you! Well, i don't really know but probably yes if i had some time to work on the other digi-destinied lol
I'm glad a lot of people still care about digimon!
epic i loved digimon
awww so cute *_* love it!
I'm looking forward to it!
looks amazing (D
to be honest,koushiro was never one of my favourite characters,but still i like him and i like how you drew him,this is amazing 8D
to be honest,koushiro was never one of my favourite characters,but still i like him and i like how you drew him,this is amazing 8D
lmao me too! xD
but i enjoyed drawing him, really! Anyway, thank you!
Love it! Izzy was always my favorite!
masa kecil yg indah ^^
Serious nostalgia TwT
Wow that's really awesome


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Suryaa Villa
No prices found through our partners. Please contact the business directly or check some of our recommended alternatives.
How has this hotel rated in the past?
- Drycleaning onsite
- Suites
- Minbar in room
- Airport Transportation
- Non-smoking rooms
- Wireless internet connection in room (free)
Photos of Suryaa Villa
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TravelPod Member ReviewsSuryaa Villa Jaipur
The Suryaa Villa is an alright sort of place, especially as a refuge from the chaos that is the streets of Jaipur. The double room is large, clean, with a reasonable mattress. Once the hot water comes through the shower is spot on. The staff are all over it (attentive) and the restaurant is OK. Indian food is dumbed down for westies and the chicken burger and chips are just about enough. Beer is cold and there's slow but working WiFi in the room.
This review is the subjective opinion of a TravelPod member and not of TravelPod.com.
This looked like an actual palace and was beautiful inside we even watched a puppet show!!!!
This review is the subjective opinion of a TravelPod member and not of TravelPod.com.
TripAdvisor Reviews Suryaa Villa Jaipur
Travel Blogs from Jaipur
Keep Talkin' But We're Walkin'
... 10:30 on Tuesday night, so after checking out of our guest house and hanging out at the hotel next door, Jill made her decision on the carpet and we decided to head back into town. We get into a tuk-tuk and give him a simple request: "Please take us to Ajmeri Gate." Instead of just driving though, we're bombarded with a thousand questions: "Where are you going? Why? Do you like shopping? How about I take you here?", as he hands us some ...
2 Days In Jaipur
... by 12 miles of defense walls that resemble something like a small great wall of China.
My accommodation in Jaipur, while classified by Lonely Planet as Budget, was a single room with a double bed and TV, but the best part was the warm shower with ample water pressure, something I have not had in a week since the trip started.
So, after a full day of sightseeing and fending off the ...
Jai Ho, Jaipur!
... men carrying tiered electric candelabras. Mr. Singh quickly pulled over and explained that this was most auspicious - we had stumbled upon a wedding procession! As we climbed out of the car he told us that the group represented the groom's family. Family and friends were leading the groom to the home of the bride and her parents, where they would be received festively. We watched and listened to a small marching band serenading the jubilant crowd as it shuffled forward at ...
Jaipur - The Pink City
... sightseeing itinerary for the next day and the adults enjoyed a warm shower.
Our day in Jaipur was lovely and left us wishing for a longer stay. We started the morning with an elephant ride at the Jaipur Fort above the city. Had expected it to be a bit hokey, but it was great. The elephants' faces and legs were decorated with chalk designs. They wore colorful headpieces ...


text:
This job posting is no longer available on Indeed.
Find similar jobs:Associate Business System Analyst jobs
- Just Energy jobs
Is this You?
Associate Business Systems Analyst
Location: Mississauga, Ontario
Your opportunity:
Associate Business Systems Analysts play an integral role in our strategic and operational capability at Just Energy. Associate Business Systems Analysts work as part of a service group who act as a resource base for all functional areas of the company. This in turn enables Analysts to gain exposure to many areas of Just Energy's business and develop a broad-based experience that prepares them for a variety of other growth-oriented roles in the company. Strong analytical skills, initiative, and teamwork are rewarded with opportunities for advancement, increased responsibility.
YouTube: Learn more about what people have to say about working with Just Energy: http://bit.ly/TEvLKI.
Is Just Energy Group the place for you?
Just Energy Group is a leader in the energy sector offering green energy solutions, retail and commercial energy, and home services solutions. Our brands include Amigo Energy, Commerce Energy, Hudson Energy, Hudson Energy Solar, Just Energy, Momentis, National Home Services, Tara Energy, and Terra Grain Fuels. We are continuously expanding in US, Canada, and the UK. We value integrity, innovation, customer-centricity, responsibility, enrichment, and excellence.
Energy, Opportunity, and Growth are elemental to your way of being and are essential to succeed with us. Does this sound like you?
Learn about the Energy, Opportunity, and Growth of working at Just Energy: http://www.justenergy.com/about-us/career-center
Your key accountabilities:
· Partnering with operational groups in designing (or redesigning) and implementing business processes and systems to improve Just Energy's operations
· Analyzing business challenges and designing practical, attainable solutions, evaluating new projects and opportunities available to Just Energy
· Creating, modifying, and executing test plans in order to ensure that tools or software packages function correctly before they are released for us.
· Analyzing and coordinating the migration of customer data between software systems Provide input and decision making authority to resolve escalated customer-facing issues and take steps to minimize future issues
· Creating tools (possibly in MS Excel or MS Access) to help manage the day-to-day responsibilities or create reports for various functional areas
Your background includes:
· Minimum 2 years experience in a business analysis or similar technical role
· Excellent written and verbal communication skills along with previous experience writing business requirements, use cases, process flows, and functional specifications
· Previous experience working with SQL querying, data manipulation, and relational databases
· Extensive knowledge of common business issues and comfort with numerical and financial analysis
· Familiarity with standard software development lifecycle practices
·Effective at managing multiple projects/tasks of varying complexities, meeting deadlines and working well under pressure
·A Commerce or Technical Degree is preferred
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text:
My 6 year old son is happy if he is allowed to play any apps for little boys on my ipad. Also my little doughter, she is four years old.
Yesterday my son find out my code. So i chanced the code.
But he will not be stopped if i open with my code the ipad to play. So he was typing in "Einschränkungen"- "Restriction". So he made a lott of other things and modifications in my ipad and this isn' t ok.
He can chance the colours of my ipad and a lot of things that he should not be alloud to come in this point of programm!
The code for the "Einschränkungen" - "Restrictions" coult not be changed.
Could anybody explane to me, why the settings are not save????
When is this a future substance in a new version update???
At this moment it is not macabel to let my childs play without i am afraid.
Please send all of your coments, thx
Retrieving data ...


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THE SINGLE MOST IMPORTANT SKILL you can sharpen as a board member in today's world is the ability to ask questions. I wrote, The Art of Constructive Challenge to be a comprehensive, easy-to-follow guide to powerful asking skills.
Board Guru™ eBook Information: http://www.amazon.com/Constructive-Challenge-Board-Handbook-ebook/dp/B007QTR9G6/ref
The CFO Report provides original real-time reporting, analysis and commentary on news and trends of critical importance to chief financial officers and other senior corporate finance executives: accounting, tax, regulation, capital markets, banking, management and strategy. The CFO Report is a core component of CFO Journal, which aggregates articles and data from The Wall Street Journal and other premium sources. Contact our editors with news items, comments and questions at: firstname.lastname@example.com.
Learn about the CFO Journal editorial team.


text:
This speaker was a visiting speaker who delivered a talk or talks on the date(s) shown at the links below. This speaker is not otherwise associated with Lawrence Berkeley National Laboratory, unless specifically identified as a Berkeley Lab staff member.
Dr Cenk Kocer is a researcher with over 15 years experience in the area of materials science. His main area of interest is glass as a structural element, with an emphasis on the process of indentation on glass. Using experimental and numerical (such as finite element analysis) methods, he is involved in the detailed study of the thermal and mechanical properties of the vacuum insulating glazing.


text:
Goree Island, Senegal is a travel portfolio of fifty images. It has been called one of the prettiest places in Senegal. But once the center of the West African slave trade from where thousands of slaves bound for the New World were shipped. See what it looks like today.
James F. Olander is a photographer, author, and playwright currently living in Arlington Virginia. He has traveled to over one hundred countries and island groups worldwide, always with a camera. His career was as a Federal Administrator, but his life passions have always been history, art, photography, travel, and theatre. His writings have appeared in publications, and his pictures have been featured in publications, magazines, calendars and in exhibits in Europe, Asia and in North America. His work is now in private collections worldwide. He has been a tour guide and helped organize tours and lectures in a number of International cities.
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ROMAN PLACES Published February 25, 2015
Naked Trees Published October 31, 2014
Market Day - 1981 Chichicastenango, Guatemala Published August 21, 2014
BURMA CONTRASTS Published May 17, 2014
Shanghai and Suzhou Published January 22, 2014
Digital Watercolors Published November 29, 2013
Russian Windows Published November 13, 2013
TALL SHIPS Published August 07, 2013


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| O-T Lounge
| Need advise on three vehicles. - Bigg A on 12/17/13 at 11:12 pm
GMC Terrain SLE-1, Jeep Cherokee Sport and a Ford Escape SE. All 2014's, which one is the best vehicle overall? Gas comsumption, etc......
Posted on O-T LoungeView Topic - Replies (16)
| Fantasy Sports Board
| Should I do it - Bigg A on 10/17/13 at 3:34 pm
Got a trade proposal Send Reggie Bush, Det RB from RB to LOL Receive Brandon Marshall, Chi WR from LOL to Bench Receive Darren Sproles, NO RB from LOL to Bench Receive BenJarvus Green-Ellis, Cin RB from LOL to Bench this worth it? I have Doug Martin, MJD, Lamar Miller, all under performing...
Posted on Fantasy Sports BoardView Topic - Replies (4)
| Fantasy Sports Board
| Should I accept this trade? - Bigg A on 11/10/12 at 8:10 am
Offered 49ers D for Antonio Gates. Would you accept that trade?...
Posted on Fantasy Sports BoardView Topic - Replies (4)
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Consolidated Edison Reaches New 52-Week High (ED)
TheStreet) -- Consolidated Edison (NYSE: ED) hit a new 52-week high Friday as it is currently trading at $61.92, above its previous 52-week high of $61.88 with 950,118 shares traded as of 3:55 p.m. ET. Average volume has been two million shares over the past 30 days. Consolidated Edison has a market cap of $18.08 billion and is part of the utilities sector and utilities industry. Shares are up 24.3% year to date as of the close of trading on Thursday. Consolidated Edison, Inc., through its subsidiaries, provides energy services to residential, commercial, industrial, and government customers in the United States. The company, through its subsidiary, Consolidated Edison Company of New York, Inc. The company has a P/E ratio of 16.6, equal to the average utilities industry P/E ratio and below the S&P 500 P/E ratio of 17.7.NEW YORK (
- Sign up for TheStreet's FREE Dividend and Income Investor Newsletter
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text:
Check out these bargain stocks
Downsizing may be appealing, but consider these first
Join the NASDAQ Community today and get free, instant access to portfolios, stock ratings, real-time alerts, and more!
) has been listed on the Carbon Disclosure Project's (CDP)
S&P 500 Carbon Performance Leadership Index (CPLI) and Carbon
Disclosure Leadership Index (CDLI). DuPont scored 96 points for
its disclosure of information related to climate change risks and
opportunities. Alongside, it received an "A" grade for its
emission reduction performance.
DuPont has also been listed on the North America Dow Jones
Sustainability Index (DJSI) and the CDP Global 500 Carbon
Performance Leadership Index. Industrial giant
Air Products
) was also recently named to the DJSI.
Double recognition by both CDP and DJSI for its achievements
in sustainable growth further boosts DuPont's initiatives taken
for integrating sustainability into its business. DuPont started
its sustainability work 20 years ago by setting voluntary
footprint reduction goals. Its climate change strategy and global
green house gas reduction efforts recognized by the CDP are
DuPont was selected for the recognition owing to the progress
driven by its Bold Energy Plan, through which it accomplished 600
energy improvement projects and realized $30 million in savings.
The CDP highlighted DuPont's market-facing sustainability goals
that focus on the market it serves apart from just the
operational footprint.
The CPD is a non-profit organization that provides the only
global system for companies and cities to measure, disclose,
manage and share vital environmental information. Representing
655 institutional investors with $78 trillion in assets, CDP
holds the largest collection of primary corporate climate change
and water data globally.
S&P Dow Jones Indices LLC is an unit of the world's
largest, global resource for index-based concepts, data and
research, McGraw Hill Financial, Inc., formerly known as The
McGraw-Hill Companies, Inc.
North America Dow Jones Sustainability Index (DJSI) is a
sub-set of the Dow Jones Sustainability World Index. DJSI World
records the performance of 2,500 leading companies worldwide and
separately assesses their long-term economic, environmental and
social performance. The top 10% performers are then selected from
59 industry groups.
DuPont carries a Zacks Rank #2 (Buy).
Akzo Nobel NV
) and
Eastman Chemical Company
) with a Zacks Rank #2 (Buy) are other good investment options in
the chemical industry.
The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.
Enter up to 25 symbols separated by commas or spaces in the text box below. These symbols will be available during your session for use on applicable pages.
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You are a fan of removal european ? Come to discover the best forums removal european on the internet and share your experience with a community fan of removal european . You can also build a forum removal european and create your online discussion.
SOUTH COAST COUGARS, The Club for all Ford / Mercury Cougar owners!
south, coast, cougar, cougars, southern, clubs, coups, classics, american, #european, english, irish, scottish, welsh, cars, maintenance, servicing, mercury, forum, ford, sports, owners, club, mondeo, kuga


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5 Stocks Rising on Unusual Volume
5 Stocks Setting Up to Break Out."American Woodmark American Woodmark (AMWD - Get Report) manufactures and distributes kitchen cabinets and vanities for the remodeling and new home construction markets. This stock is trading up 4.2% at $29.41 in recent trading. Today's Volume: 204,000 Average Volume: 104,577 Volume % Change: 159% >>Today's Stocks Rising on Unusual Volume From a technical perspective, AMWD is soaring higher here right above its 50-day moving average of $27.84 with above-average volume. This move is starting to push shares of AMWD into breakout territory, since the stock has taken out some near-term overhead resistance levels at $28.86 to $29.28. At last check, AMWD has hit an intraday high of $29.41 and volume is well above its three-month average action of 104,577 shares. This move has also pushed shares of AMWD into new 52-week high territory, which is bullish technical price action. Traders should now look for long-biased trades in AMWD as long as it's trending above its 50-day at $16.64, and then once it sustains a move or close above $28.86 to $29.28 with volume that hits near or above 104,577 shares. If AMWD can maintain that trend, then this stock will have a great chance of tagging $33 to $35 in the near future. 3D Systems 3D Systems (DDD - Get Report) manufactures and sells 3D content-to-print solutions and 3D printing systems. This stock is trading up 1.8% at $59.62 in recent trading. Today's Volume: 1.88 million Average Volume: 2.44 million Volume % Change: 50% >>5 Stocks Under $10 Set to Soar Higher From a technical perspective, DDD is bouncing modestly higher here right above $57.50 with decent volume. This stock has been hammered by the sellers of late, with shares dropping from its high of $71.98 to its low of $54.01 with heavy downside volume flows. Despite that drop, shares of DDD have so far held right around its 50-day moving average of $54.03. This move is now quickly pushing shares of DDD within range of triggering a near-term breakout trade. That trade will hit if DDD manages to take out some near-term overhead resistance at $67.73 with high volume.Traders should now look for long-biased trades in DECK as long as it's trending above $39.04 or its 50-day at $38.34 and then once it sustains a move or close above those breakout levels with volume that hits near or above 2.31 million shares. If DECK triggers that breakout, then the stock will set up to re-test or possibly take out its next major overhead resistance levels at $46 to $49.61. Any high-volume move above $49.61 will then put $51.65 to $55 into range for shares of DECK. I also featured Deckers recently in "
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text:
Los Trabajadores Group
The loan he is requesting is a group loan. The group is called 'Los Trabajadores' [The Hard-Workers], and it is comprised of 14 members who grow basic grains. The group has requested a total of 88,000 lempiras. They will use the loan to buy fertilizers and supplies for the corn and bean crops in this second harvest season. Mario hopes to yield a good harvest this season to make a good amount of money and provide a better life for his family.
You can see the members in the photo in the following way: At the bottom left is Alejandra with a black striped blouse, next is Mario with a green and white shirt, Mayra has a black blouse, Aracely has an orange and white blouse, Fedis with a sleeveless shirt, Lourdes with a white blouse, Agustina with a grey shirt, behind is Maria with a red blouse, Luisa with a yellow blouse, and those bending down are Carlos on the left with a white shirt and jeans, Rolando with a black hat, Ramon with a blue shirt and Neryn on the right in a gret shirt. Jose is not pictured.
El préstamo que solicita es en forma grupal, el grupo se llama Los Trabajadores y está formado por 14 miembros y todos se dedican al cultivo de granos básicos, el total del prestamo en grupo que han solicitado es por 88,000 Lempiras y lo utilizaran para comprar fertilizantes e insumos para los cultivos de maíz y frijoles de esta segunda temporada de cosecha. Don Mario espera sacar buenas cosechas para obtener buenos ingresos y lograr tener una mejor vida con su familia
Los miembros se identifican en la fotografía de la siguiente forma: A la izquierda de pie esta Alejandra de blusa rayada con negro, sigue Mario camisa verde con blanco, mayra blusa negra, Aracely blusa naranja con blanco, Fredis camisa verde sin mangas, Lourdes blusa blanca, agustina falda gris, atras esta Maria de blusa roja, Luisa de blusa amarilla, y los que estan agachados a la izquierda esta Carlos de camisa blanca y jeans, Rolando de camisa negra de sombrero, Ramon camisa azul, y Neryn a la derecha camisa gris, y Jose quien no sale en la foto.
Additional Information
About Organización de Desarrollo Empresarial Femenino Financiera, S.A.This loan is administered by Organización de Desarrollo Empresarial Femenino Financiera, S.A. (ODEF), a Kiva Field Partner in Honduras. A leader in the microfinance sector since 1985, ODEF strives to combat poverty by offering a wide array of financial services to low-income men and women. The organization works with its parent NGO, ODEF OPD, to provide training and technical assistance to impoverished microentrepreneurs. By incorporating the entire family unit in this process, ODEF OPD aims to improve the standard of living through the creation of profitable enterprises. Visit ODEF's partner page for more information.
This is a Group Loan
In a group loan, each member of the group receives an individual loan but is part of a larger group of individuals. The group is there to provide support to the members and to provide a system of peer pressure, but groups may or may not be formally bound by a group guarantee. In cases where there is a group guarantee, members of the group are responsible for paying back the loans of their fellow group members in the case of delinquency or default.
Kiva's Field Partners typically feature one borrower from a group. The loan description, sector, and other attributes for a group loan profile are determined by the featured borrower's loan. The other members of the group are not required to use their loans for the same purpose.
About Honduras
43View loans »
Success!! The loan was 100% repaid
- Repayment Term
- 9 months (Additional Information)
- Repayment Schedule
- At end of term
- Pre-Disbursed:
- Sep 21, 2012
- Listed
- Oct 15, 2012
- Currency Exchange Loss:
- Possible
- Ended:
- May 17, 2013


text:
Check out these bargain stocks
Downsizing may be appealing, but consider these first
Join the NASDAQ Community today and get free, instant access to portfolios, stock ratings, real-time alerts, and more!
On Sep 17, we downgraded our recommendation on
PulteGroup, Inc.
) to Underperform from Neutral following weak second-quarter
Why the Downgrade?
Pulte announced weak second-quarter results on Jul 25, missing
the Zacks Consensus Estimate for both earnings and revenues.
Pulte's second-quarter 2013 earnings of 26 cents per share more
than doubled from last year, but lagged the Zacks Consensus
Estimate of 29 cents by 10.3%. Revenues also missed the Zacks
Consensus Estimate due to disappointing net order growth.
Net orders declined 12% due to a lower community count as the
company has been intentionally slowing down sales in some markets
due to the lack of land development and scarcity of finished
lots. The company is focusing more on driving price and margin
rather than pushing up unit volumes, which, we believe, has
affected net order growth in the quarter. Despite seeing strong
demand, the company purposely closed sales in more than 50% of
the open communities in markets like Arizona, Nevada and Southern
California in exchange for better pricing. In these markets, the
company sold 400 fewer units in the quarter which contributed
significantly to the order decline. Pulte's net order decline was
a sharp contrast to double-digit increases reported by other
large homebuilders.
Rising mortgage rates also had a negative impact on order
trends in 15% of Pulte's communities. Though pricing increased
sharply in the quarter, the net order decline raises concern.
In fact, the company saw a similar net order trend in July as
well with no major change in traffic levels and sign ups
/cancellation trends. Net orders are expected to remain soft in
some future quarters.
Moreover, recent increases in mortgage rates, changes in
federal lending procedure and the lack of overall economic
recovery could hurt demand for new homes.
Other Stocks to Consider
Pulte carries a Zacks Rank #5 (Strong Sell). Another
Homes Corporation
), carries a Zacks Rank #2 (Buy) and is worth considering.
Building products companies,
Masco Corporation
) and
PGT, Inc.
), also carry a Zacks Rank #2 (Buy).
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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text: This is a website with a couple of ideas to do with baby! We have done the "cloud dough" and the sensory oil bag and my little guy loves both! So I just thought I'd share incase anyone else might be looking for a fun activity for baby since most of us are stuck inside during the cold winter months!


text:
Thank you for such a wonderful shot...
Aww! So... cute!
I absolutely LOVE this photo! Awesome!
Awesome shot and gorgeous little bird.
Incredibly clear shot!
That is a beautiful shot
Great shot!
Pretty little chap. And how clear of focus this is! (on full view) Nice work!
Lovely capture, the colours really pop with the background.
A nice little fellow. Soon they will be much harder to spot, hidden among spring and summer leaves. Fantastic detail, by the way. What lens did you use?
Thanks, lens was canon 100-400 mm + 1,4 canon converter. Yes soon they are gone, lovely birds. This one didn´t fear me at all, he was about 4-5 m away from me.
I've never used a converter, but suppose it might be a good idea. Cheaper and more convenient than buying a new tele-lens. Any recommendations? What should I pay attention to?
I wouldn´t suggest converters over 1,4x. Also the converter should be the best you can afford because if you buy a cheap one it totally kills your lens quality (my first converter was kenko 2x, a piece of crap i must say). Next thing is the lens, i wish i had a fix lens, something like canon 300mm f4 or so. Because if i use the converter with my 100-400mm lens the wides aperture i can get is f8 and the background i get with it is very frustrating, also with f8 i get slower shutter speed and then have to push the iso value but as i am using canon 450d the iso 400 is already so noisy. So i suggest a fix lens with f4, and a 1,4x converter will give you the best performance and quality.
Thanks. Will keep that in mind while making my choice and eventually a purchase. I've got a Nikon 70-300 mm lens, and have recently come across an interesting looking 2x converter. But if you say over 1.4x is too much, I'll bear that in mind. And yes, high ISO noise can be a problem. I've got a Nikon D80, so I know how the noise can hurt...
must be he didn't feel any evil aura around you


text:
Today, Massachusetts-based extreme metal outfit Abnormality has released their sophomore full-length 'Mechanisms of Omniscience'! To hear the record in its entirety, head over to RevolverMag.com.Read More
Poison Headache
Metal Blade Records is proud to announce the worldwide signing of Poison Headache, a metallic-hardcore trio hailing from San Diego, CA. Poison Headache has now launched their first single, 'Sin Eater', via Noisey.Vice.comRead More
On June 24th, Whitechapel will release their sixth full-length, 'Mark of the Blade', worldwide via Metal Blade Records. To pre-order the record in various formats, please visit metalblade.com/whitechapelRead More
If These Trees Could Talk
Akron, Ohio's If These Trees Could Talk will release their third full-length, 'The Bones of a Dying World', on June 3rd worldwide via Metal Blade Records.Read More
Six Feet Under
On May 27th, Six Feet Under will release the fourth installment of their 'Graveyard Classics' series. For a preview of the record, the cover version of 'Never Satisfied' is now streaming online.Read More
New Releases
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THE GREAT DISCORD release third video trailer for debut album 'Duende' out this month on Metal Blade Records!
- 05/05/15 – "…They swoop brutally over a raw, dramatic,...Read More
PRIMORDIAL premiere brand new video for 'Wield Lightning To Split The Sun'!
- 04/05/15 – Irish Pagan Metallers PRIMORDIAL have just launched a...Read More
DEW-SCENTED to release new album 'Intermination' the 12th of June!
- 29/04/15 – Landing page with 1st single, front art and pre-order...Read More
DESTRAGE schedule European summer festivals: With Full Force, Bloodstock, and more!
- 29/04/15 – Italy's DESTRAGE have plotted their summer months...Read More
Metal Blade to re-issue CIRITH UNGOL albums on vinyl on June, 12th!
Metal Blade will now re-issue the long out of print classics 'Frost And Fire', 'King Of The Dead' and 'One Foot In Hell' on vinyl!Read More
THE GREAT DISCORD premiere new song on Close-Up Magazine website!
- 27/04/15 – Debut album "Duende" out this June on Metal...Read More
ENTRAILS launch 2nd single 'Midnight Coffin' exclusively via Metal Hammer Germany!
- 22/04/15 – New album "Obliteration" out 15th of...Read More
THE GREAT DISCORD launch second video teaser for new album 'Duende'!
- 21/04/15 – Debut album out this June on Metal Blade Records! Sweden...Read More


text:
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This profile was last updated on 10/15/15 and contains information from public web pages and contributions from the ZoomInfo community.
Vanessa LongneckerWrong Vanessa Longnecker?
Vice President
Phone: (612) ***-****Email: v***@***.com
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Hays plc
250 Euston Road
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Company Description: Hays plc is a United Kingdom-based recruitment group engaged in the provision of specialist recruitment of permanent and temporary, professional and technical... more
ProPub_Iteration_NT.402[05] SEIDXWK-18


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Top Definition
The temperature at which the snot in your nose freezes. Any temperature above this is not considered cold.
Man, its so fucking cold out, I think we reached the snot-freezing index.
by TBob April 19, 2008
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text:
Jose Silva's method is an easy and efficient way to reach your goals. It has helped many people and can help you. Here are several basic steps that can change your life.
Control your emotions
Negative emotions are a huge obstacle on the way to achieve the desired. They destroy your energy and strength, causing diseases and lessening the immune system. That is why it is important to learn to manage them. It can be achieved with help of the following techniques:
1. Observe your feelings. What are the symptoms of stress in your body?
2. Find hidden causes of negative emotions (rejection, abandonment, helplessness, powerlessness, loss of control). These emotions are programmed into you from the childhood and continue affecting you by causing stress, anger, fear and other negative states.
3. Look at your problem not from the perspective of a child who once suffered from the pain but from the perspective of an adult. Ask yourself: "What can I do in this situation?"
Think positively
Positive thinking is when you concentrate on what you want to achieve in this life. This is the basis of the Silva Method and many other methods of achieving goals. Do not waste your energy on negative thoughts, they may materialize. It is better to learn to think positively.
Change your beliefs
Beliefs form your personality. If you believe in lack, illness and need, then you need to transform negative beliefs into the positive ones. Write down on a list of paper all the limitations and negative statements that exist in your mind, and change them into positive affirmations which can be used for self-suggestion.
Use your brain
Jose Silva Method helps achieve the desired through visualization, which must be carried out in an altered state of consciousness. You need to learn to change the frequency of your brain to the alpha and theta ones. It is possible to do by means of deep relaxation. This condition is most easily achieved at bedtime and upon awakening.
These are the basic steps of the Silva method which will help you achieve what you want. Get to know them and do not forget to exercise regularly, using your favorite technique of creative visualization.
Anna LeMind
Latest posts by Anna LeMind (see all)
- 5 Life-Changing Decisions You Need to Make Before You're 30 - December 7, 2015
- Comic Captures What the World Is Like for Socially Anxious People - October 16, 2015
- 5 Problems Only Introverts Will Understand - October 1, 2015
- 5 Reasons Why Fall Is the Best Time for Reflection and Self-Discovery - September 26, 2015
- Dreams of the Deceased: a Message from the 'Other Side' or a Trick of the Subconscious Mind? - September 19, 2015


text:
Hello Dear Logic friends,
Does somebody know if older Garritan Programs should run on Mountain Lion
With older i mean:
I purshased them in March 2012,but they are made at Garritan Company end 2010
Actually I use them on Snow Leopard 10.6.8 , but I am planned to buy a new Mac.
Until now, Makemusic does not give me a concreet answer.
Kind regards,
Retrieving data ...


text:
May 6, 2016
As daylight arrived, the bleary eyed at makeshift camp Kerry on the Leon County Courthouse lawn came to life.
Leandra Padgett from Tampa was especially interested in voting early. She was turned away from the polls in 2000.
Leandra says, "I really felt bad. I didn't really trust the government, I didn't trust doctors for a while."
Kristin Hemmingway, a FAMU student, says, "I need to know that I did everything that I could to make sure that my voice was heard."
A life-sized cutout of George Bush was also in line courtesy of the College Young Republicans.
David Powers says, "We've been camping out all night. We got here at 8:00 last night, we are excited about voting so we wanted to be one of the first in line."
As the doors opened, the line was more than 50 deep. Most elections supervisors have never seen such interest. Monday also begins something else; the presence of lawyers here watching for mistakes.
Ron Meyer, a Kerry attorney, says, "We think having a lawyer here will help rather than hinder people casting their vote."
The advent of early voting begins what will likely be 15 tumultuous days leading to the election.
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text:
Who: Static-X, Otep, Invitro
Where: The Showbox
When: Sunday, June 3
Opener Invitro was a great surprise, right down to selling their album When I>"/>
Who: Static-X, Otep, Invitro
Where: The Showbox
When: Sunday, June 3
Opener Invitro was a great surprise, right down to selling their album When I was a Planet at the merch table for $1. Each member came out wearing a tinfoil helmet, but those were soon tossed to the crowd. They play loud, fast, and mostly unintelligible heavy metal. If you want to hear what they have to say, buy the album; the lyrics are more understandable when recorded.
Otep stepped up next and proved to be the crowd favorite. Vocalist Otep Shamaya expressed her love for being back in Seattle, home of her "favorite band, and favorite people." At one point, she demanded that everyone "get off their fucking feet. If you see someone next to you just standing there, knock 'em down." The response followed suit, with the capacity crowd shaking the floor. "I've never seen anything like that before," she said a few more times during the set. With such an overwhelming reaction to the group, it seemed odd that she would go for an easy over, by dedicating a song to Kurt Cobain. With the crowd already on her side, the move could only have been made from pure emotion as opposed to a cheap attempt to win an audience. Note to any band, anywhere: If you've already won a crowd, sentimental pleas and attempts at solidarity are not necessary. Only do it if you mean it. Otep meant it.
It was 10:30 by the time Static-X took the stage and kept to their promise by starting their set with the first and title track from Cannibal. Only a smattering of the crowd left, and more pushed their way to the front. They did the well-known songs, "Push It" and "Bled for Days," and a lot from the new disc. Static moved around like a demented Muppet and the three mobile members played to the crowd by repeatedly switching positions. The set ran like an industrial machine, right to the end, with no real surprises. But that's what they were going for, anyway. The good news is that the live set was much louder than the album.
Click below for a pre-show interview with Static-X singer/guitarist Wayne Static and bassist Tony Campos.
Static-X guitarist Nick Fukuda shredding some wicked riffs, Sunday at the Showbox.
Wayne Static woke up at 5 p.m. By 7 he's watching Me, You & Dupree, the Owen Wilson-Kate Hudson comedy. The tour bus is quiet, laid-back, not the party bus one might expect from the popular heavy metal band. Then again, is Static-X really metal? They must be. They are scheduled for Ozzfest this year and are currently touring with Invitro and Otep, two groups that are as metal as it gets these days. Why still the questions about how metal are Static-X?
"Metal isn't my staple," Static said. "Journey is my favorite band and I love the '80s stuff, really big into The Cars right now."
Bassist Tony Campos, whose goatee is as long as Static's hair is high, agrees. "The '80s shit, old punk, as long as it's fun."
In the rock and roll tradition, fun is the name of the game for Static-X. With the current line-up, including drummer Nick Oshiro and guitarist Nick Fukuda, the fun has return for the group. "We we're lucky that the bad elements took themselves out," Static said in reference to former members Ken Jay and Tripp Eisen. "There are no fucking drama queens anymore."
Eisen was fired from the band in 2005 after a sex scandal involving minors
with the return of original guitarist Fukuda and former Seether drummer Oshiro, the band functions as a more complete unit. Static even shared some of the songwriting duties with Campos for their current album, Cannibal.
"I sat a digital recorder and put down some death metal-sounding stuff," Campos said. "Then I took the CD to Wayne and we picked out the stuff that we liked the best. It was mostly just some riffs."
"And then we turned them into Static-X songs," Static said.
Static's own songwriting routine starts from the most basic point. "I pick the title first and then build a picture around that word," he said. As such, very few Static-X tracks have titles longer than a single word. One of those songs off the new disc is "Destroyer," for which a video has been released.
"We got to dress up like assholes," Static said. "It was all a big joke." The video features the band at a 1970s-style roller derby, catfights and revealing clothes included.
"We're big fans of chicks in tight shorts and tight tops," Campos said. Plenty of those fans attended the sold-out show Sunday at the Showbox. For those who weren't able to get a ticket, don't worry. Static-X will be on the main stage at Ozzfest this year.
And that brings up the question, again, of just how metal is Static-X? "When we played Ozzfest before [1999, 2000] there was a mix of heavy and not-so-heavy, and now it seems like it is all just heavy," Static said. "I think Ozzfest needs us."
While Static and Campos said they prepare for every show the same, right down to keeping the same set list, they do admit there are differences in headlining a tour and playing a festival.
"There's all these empty seats because people are just waiting for Ozzy," Campos said. And there's that set list to worry about, too.
"We play for half an hour at Ozzfest," Static said. "That's like eight songs." With a growing back catalogue, the choices become more and more difficult. "We try to play the first four tracks from the new album and then get into older stuff. There'd be a riot if we didn't play it ['Push It,' Static-X's hit off their first album Wisconsin Death Trip]."
Static-X has a few more headlining dates left in North America before heading to Europe, then it's right back here in Seattle for the first Ozzfest show, July 12. And after that?
"We'll probably put something together for the fall, then write some new songs for the next album," Static said.
Reporter's Notebook: I almost broke my fucking neck. During that Otep surge of "everyone on your feet" I had a hard time jumping, which I wanted to do, and protecting my camera from random flying elbows. And then I stepped on someone's dropped sunglasses and proceeded to fall on my not insubstantial ass.
Thank you to the guy behind me that grabbed my shoulders before I got trampled. One slip up (or down, if you will) won't prevent me from hitting more metal shows. The Seattle audience kicked ass above and beyond what I've seen in other places (Las Vegas and Salt Lake City, specifically).
And for the person who dropped this nice pair of black Utopia Optics sunglasses, they are on my desk and I'm keeping them as a battle trophy. Except for the right ear piece. That was sacrificed to the Showbox floor, never to be recovered.
Next time, keep your glasses in your pocket.


text:
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Decentralized production process
Read about our unique decentralized cassava processing technology.
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DADTCO developed a patented innovative "split" processing technology that has changed dramatically the way cassava is perceived, grown and processed in Africa. The company's Autonomous Mobile Processing Units (AMPUs) processes fresh cassava on-farm or nearby, instead of transporting the perishable roots over long distances to a central factory. The flash dryer dries the High Quality Cassava Cake (HQCC) obtained from the AMPU into High Quality Cassava Flour (HQCF) that can be used as ingredient for compound flours. DADTCO's AMPUs are located in cassava production areas, while the primary factory is located near a low-cost energy source.


text:
Repeat Offender Sentenced to 8 Year Prison Term for Illegally Possessing Assault Weapons
A Mason County resident with multiple prior felony convictions was sentenced today in the U.S. District Court in Seattle to eight years in prison and three years of supervised release for being a felon in possession of a firearm, announced U.S. Attorney Jenny A. Durkan. JOHN CHRISTIAN PARKS, 38, of Belfair, Washington was arrested on March 30, 2013 while target shooting in the Mt. Baker-Snoqualmie National Forest. U.S.


text:
STARmeterSEE RANK
Down 13,626 this week
Jill Holden
Jill Holden is an actress, known for Fallen (1998), Bulletproof (1996) and Lansky (1999). She has been married to Ray Richmond since October 10, 2010. They have four children. See full bio »
More at IMDbPro » Represent Jill Holden? Add or change photos


text:
Time to replace Nedney. This kid is an incredible athlete.
Yeah, a kicker/punter thread. I went there.
There are 145 users in the forums
Originally posted by OnTheClock:
I wouldn't be too upset if we drafted him, but I'm always weary of seeing these college kickers coming in -- Even the most successful ones often have a hard time duplicating their NCAA success, while the small-school and UDFA's simply tune-up their technique and go on to be solid.
Kickers tend to be very hit and miss, but again, with Nedney ailing and the flashbacks of Pochman, Jeff Chandler, Cortez, Todd Peterson, and the rest.. I don't care as long as they turn out good.
Originally posted by IdentityCrisis:
him or kai forbath out of UCLA


text:
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text:
Question about german blue rams (already read their profile)
Does anyone know if they prefer a certain flow rate, low, med, high? Im about to add a water pump for my reactor but i want to make sure its not going to stress the rams to increase water flow.
Medium flow is good.
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Wednesday, July 11, 2012
13 comments
I'm done with my life in general I've come to the conclusion I can't win. I was fat and wanted to be smaller and keep my curves , I got smaller and I hate it now I have no butt no hips no nothing. Everyday I wake up my family puts me down. Befor... Read more
Sunday, July 01, 2012
2 comments
Loving yourself is one thing you tend to lose when your fat, or overweight. Sometimes you feel less of a person, at least I have and I had to come up with ways to help me feel g... Read more
Saturday, June 23, 2012
4 comments
It's summer whoo hoo. I love to go out to eat, buy fast cheap food, hang out with my friends, and maybe even have a drink of wine or something once in a while. I lost weigt and n... Read more
Tuesday, June 05, 2012
3 comments
I am not one to make excuses, but I am known to be truthfully honest so I will. For the past week I've been eating one meal a day. I stay out late, and I sleep in late so I don'... Read more
Friday, June 01, 2012
3 comments
The whole theme of my page is the transition of my body in a black dress or in black skirt really. Overtime, my body has transitioned through my weight loss. I want you guys to s... Read more
Tuesday, May 29, 2012
1 comments
Keeping track of what you eat is one of the best tricks in helping you control what goes in your mouth. Keeping a journal is hard but it helps you see just how... Read more
Monday, May 28, 2012
8 comments
Sunday, May 27, 2012
2 comments
By Kindra96
One thing that I love is weight loss tips. Ways in which to make losing weight and staying healthy easier without cheating. Below are tips and tricks I us... Read more


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It's been over a month since the last installment of this series and, to be honest, this installment was going to discuss an entirely different episode. However, yesterday's postbrought about some interesting discussions which immediately reminded me of a particular episode. So today's episode comes from Star Trek: Deep Space Nine, again, and is titled "Badda-Bing, Badda-Bang" which was episode 15 of season 7.
Now the episode involves the Vic Fontaine character who is a holosuite program that has gained sentience over a period of time and frequent use by the members serving aboard DS9. Vic's particular program takes place around the 1960s at a casino in Las Vegas of which Vic is an old-fashioned lounge singer. While there, Dr Bashir and Chief O'Brien try to convince Vic to join them in their Alamo re-enactment program but Vic declines their offer yet sings "Alamo" as a way to get them in the mood. Partway through the song the setting of Vic's casino is instantly changed.
Puzzled by the sudden change Bashir, Vic, and O'Brien are confronted by Frankie Eyes and his henchman, Cicci, who states that Vic's casino now belongs to him and that Vic needs to get out of town. After a failed attempt to erase the two new holographic characters, through voice-command, Bashir finds out that the program's creator put added a "jack-in-the-box" into the holoprogram. If the Vic's program got boring than this sub-routine would start up in order to add some spice to the program. Unable to fix the problem on the outside, the entire senior staff of DS9, aside from Mr Worf, decides to help Vic get his casino back from the mobsters.
What follows from this point on is an enjoyable episode that was inspired by the original Ocean's 11 movie and Leaving Las Vegas. However there was a very short scene, between Kassidy Yates and Captain Benjamin Sisko, which caught my attention in regards to the Vic Fontaine Program.
You see, while the senior staff was trying to come up with a way to help Vic out Sisko, who had never visited the Vic Fontain program, is annoyed and irritated at the enthusiasm his senior staff is expressing in helping Vic. When confronted by Kassidy about why he had never been to Vic's, the following conversation takes place:
The transcript of the clip is for those who might not be able to see it:
Captain Sisko: You want to know... you *really* want to know what my problem is? I'll tell you: Las Vegas 1962, that's my problem. In 1962, black people weren't very welcome there. Oh sure, they could be performers or janitors, but customers? Never.
Kasidy Yates: Maybe that's the way it was in the real Vegas, but that is not the way it is at Vic's. I have never felt uncomfortable there, and neither has Jake.
Captain Sisko: But don't you see? That's the lie. In 1962, the civil rights movement was still in its infancy. It wasn't an easy time for our people, and I'm not going to pretend that it was.
Kasidy Yates: Baby - I know that Vic's isn't a totally accurate representation of the way things were, but... it isn't meant to be. It shows us the way things could've been - the way they should've been.
Captain Sisko: We cannot ignore the truth about the past.
Kasidy Yates: Going to Vic's isn't going to make us forget who we are or where we came from. What it does is reminds us that we are no longer bound by any limitations - except the ones we impose on ourselves.
After that conversation took place Sisko finally joins the rest of his staff and they all help Vic regain his casino by pulling a heist.
The end.
Time to blow this joint!
Yet while "Badda-Bing, Badda-Bang" was certainly a fun episode, how does this tie in with yesterday's discussion?
Well you see, in yesterday's post, I talked about how the majority of FPS games' multiplayer campaigns never come with an option to choose a female avatar to play (with the exception of Combat Arms, Halo Reach, Resistance 2, the upcoming Gears of War 3). Not only did I briefly talk about it, but I asked the question of why most developers never bother to add that option into their multiplayer campaigns.
The main argument against female avatars was that it either wasn't historically accurate or that women, even today, don't normally serve in the armed forces. Good points to make, granted, but only in regards to the single-player campaign. If the single-player portion of the game is trying to be as historically accurate as possible, or work within the confines of history, than that is understandable.
However, as I stated to one of our more prominent bloggers, multiplayer is something that should have no such restrictions and should not have to adhere to anything; let alone historical accuracy. If a World War II game wanted to include a female avatar in the multi-player game than that is fine. If the Modern Warfare franchise finally included a female avatar than that would be awesome.
Because it is the multiplayer part of the game. Black Ops, for instance, has a zombie mode which isn't historically accurate now is it? Yet, there it is.
Yes it is true that women, for the most part, are excluded from serving in the military, or specific branches of the military. But so what? Why should that translate into the game itself? Video games are fantasy. They are our way of escaping from reality like other people do with books, movies, music, and television shows. Why should we let the restrictions and unfairness of real life affect a part of the game that both sexes like to play?
And so what if there are not many female gamers who play FPS games? The fact is that there are female gamers out there that do play them. Why should they be forced to play a FPS game's multiplayer campaign as a boy when they might want to create a female character that represents themselves (let us forego the "you can't see your character in-game so why care about aesthetics argument")?
The multiplayer aspect of video games isn't going to make us forget that women, despite advances as a society, are still looked upon with an archaic train of thought. So why should we support society's outlook on ourselves in the medium we use to escape reality?
Here is a scenario I want you to play out in your minds:
Imagine a 13-year old girl, make her your hypothetical daughter, who enjoys FPS games. But, one day, she asks you why she can't make a female avatar for her favorite game Counter-Strike: Source 2. A game that she plays the most out of everything else.
What are you going to say to her in order to make her understand why there isn't an option to create a female avatar for her all-time-most-favorite game in the world?
Previous Installments:
The Captain's Chair #1: Could You Ever Let A Loved One Die?
The Captain's Chair #2: Would You Break Under Torture?
The Captain's Chair #3: All's Fair in War?


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We expect to receive total estimated net proceeds from this offering of
approximately US$158.0 million, based on the midpoint of the price range set
forth on the cover page of this prospectus after deducting estimated
underwriting discounts and commissions and expenses of this offering that are
payable by us. Each US$1.00 increase (decrease) in the public offering price
per ADS would increase (decrease) our net proceeds, after deducting estimated
underwriting discounts and commissions and expenses, by US$11,875,000.
We intend to use the net proceeds from this offering for general corporate
purposes, which may include funding organic growth through an increase in loan
volume, portfolio investments and other income-generating activities;
financing expansion of and improvements to our infrastructure; and pursuing
potential future acquisitions and other strategic investments. We are unable
to estimate the application of the anticipated net proceeds from this
offering to our anticipated uses of those proceeds as of the date of this
We will not receive any of the net proceeds from the sale of ordinary shares
in the form of ADSs being offered by the selling shareholders.
We operate in a competitive market. Our principal competitors in our
deposit-taking and lending businesses are other commercial banks as well as,
to a lesser extent, credit unions, building societies and merchant banks.
Certain of our competitors, including The Bank of Nova Scotia Jamaica Limited
and RBC Royal Bank (Jamaica) Limited, are subsidiaries of large multinational
financial services institutions and, accordingly, have access to greater
institutional infrastructure and resources, including in some cases access
to lower-cost U.S. dollar funding.
We also face significant competition in our wealth management business. We
compete with a number of registered securities dealers as well as other
financial services companies, some of whom have more diverse products and
services offerings than us, such as proprietary mutual funds, flexible
investment accounts and online investment tools. One effect of the changes
to the regulatory regime of securities dealers as contemplated by the
Stand-By Arrangement with the IMF could be the consolidation of the wealth
management sector, and the financial institutions resulting from such
consolidation may, by virtue of their increased size and business scope,
provide significantly greater competition for us.
Our insurance business faces competition from four other licensed insurance
companies, which we compete with in specific areas of the insurance market.
Some of the institutions that we compete with have longer operating
histories, which may afford them better brand recognition for certain
products and services, such as bancassurance, pension fund management and
annuities, all of which could make them more attractive to customers.
Our payment services segment competes with other commercial banks for card
acquiring business. The profitability of our card acquiring business may
decline as a result of increased interest rate competition, pressure to lower
the fee rates applicable to our credit cards (particularly merchant fee
rates) and higher marketing expenses. Intense and increasing competition can
make it more difficult for us to secure customers with the credit quality and
on credit terms necessary to achieve our business objectives in a commercially
acceptable manner.
Our ability to compete effectively depends on numerous factors, including our
ability to price our credit products effectively, which is correlated to our
cost of funds; our ability to anticipate and fulfill the needs of new and
current financial services customers through the development of innovative
services and products; and our ability to offer adequate services and
strengthen our customer base through cross-selling. Our businesses will be
adversely affected if we are unable to retain current customers and attract
new ones. In addition, our efforts to offer new services and products may
not succeed if product or market opportunities develop more slowly than
expected, if we do not take advantage of market opportunities quickly
enough to prevent our competitors from obtaining a marketing or other
competitive advantage or if the profitability of these opportunities is
undermined by competitive pressures.
We are Jamaica's largest banking and financial services group, based on
consolidated total assets at September 30, 2012. We provide individual
consumers, small- and medium-sized enterprises, or "SMEs," large corporations
and government institutions with banking, wealth management, insurance
pension fund management products and services. We provide a wide range of
financial products and services to our customers, including loan and investment
products, deposits, remittance services, electronic banking, payment services,
credit cards, structured finance, trade finance, foreign exchange, wealth
management, insurance, pension fund management, annuities, and trust and
registrar services. For fiscal years 2008 through 2012, we had an average annual
return on shareholders' equity of 24.2% and an average dividend yield of 6.7%.
As of September 30, 2012, we had a 30.4% share of the Jamaican banking and
financial services market regulated by the Bank of Jamaica, as measured by
consolidated total assets.
We operate our business through seven segments (of which the Retail & SME,
Payment Services, Corporate Banking and Treasury & Correspondent Banking
segments are our commercial banking segments):
• Retail & SME: We offer a broad range of banking products and services to
Jamaica's consumer and SME market and Jamaican government agencies. We provide
these products and services through 38 full service branches, four agencies
and 173 automated teller machines, or "ATMs," across Jamaica. We had the
largest commercial bank branch network in Jamaica at September 30, 2012. Our
ATMs accounted for 35.0% and 34.2% of all ATM transactions in Jamaica for
fiscal years 2011 and 2012, respectively. We were the first bank in Jamaica to
offer dedicated business bankers and specialized product bundles to SMEs,
which provide SMEs with tailored products and services and special pricing on
certain loans and deposits.
We, through our Retail & SME segment, issue debit cards to our consumer
customers. Our debit cards represented 31.3% of debit cards in circulation in
Jamaica at September 30, 2012. While the issuance of debit cards is a
significant component of our Retail & SME segment from an operational and
marketing perspective, no revenue is generated from the issuance of these cards
and the fees generated from their use at point of sale terminals are recorded in
our Payment Services segment.
Our Retail & SME segment also includes our remittance business, which allows our
customers to send and receive money from London through our subsidiary, NCB
Remittance Services (UK) Limited, and worldwide through our contractual
relationship with MoneyGram International, Inc.
Our Retail & SME segment accounted for 8.3% and 11.7% of our total segment
operating profit for fiscal years 2011 and 2012, respectively.
• Payment Services: We, through our Payment Services segment, issue Visa®,
MasterCard® and our proprietary Keycard credit cards to our consumer, SME
and corporate customers. We also issue our proprietary Keycard Cash prepaid
card to our consumer customers as well as our SME and corporate customers
for use by their employees. Our Payment Services segment includes both our
credit card issuing business and fees that we collect for transactions in
which merchants using our card-processing point of sale, or "POS," machines
accept for payment any credit or debit card issued by us and other banks,
which we refer to as our "acquiring business." Credit cards issued by us
represented 41.0% of credit cards in circulation in Jamaica at September 30,
2012. At that date, over 10,000 of our POS machines were installed in stores
and other locations across Jamaica, representing 66.7% of all POS machines
in Jamaica. Our POS machines processed 76.9% and 77.4% of total credit card
merchant transactions in Jamaica, representing 64.7% and 62.9% of the total
Jamaican dollar amount of credit card merchant transactions, for fiscal
years 2011 and 2012, respectively. Our POS machines also processed 72.2%
and 71.0% of total debit card merchant transactions in Jamaica, representing
77.1% and 77.7% of the total Jamaican dollar amount of debit card merchant
transactions, for fiscal years 2011 and 2012, respectively. Our Payment
Services segment accounted for 10.0% and 14.1% of our total segment
operating profit for fiscal years 2011 and 2012, respectively.
• Corporate Banking: We, through our Corporate Banking segment, offer large
corporations and Jamaican government agencies loans, structured financings and
foreign exchange transactions in addition to other banking products and
services. We believe that we are the leader in originating loans to large
corporations and government enterprises in Jamaica. Our Corporate Banking
segment accounted for 12.6% and 0.7% of our total segment operating profit for
fiscal years 2011 and 2012, respectively.
• Treasury & Correspondent Banking: We conduct foreign exchange transactions
and manage our liquidity and investments through our Treasury & Correspondent
Banking segment. A dedicated financial institutions relationship team manages
relationships with local financial institutions and correspondent banks. Our
investments consist principally of Jamaican government debt securities. As an
institution licensed to carry on banking business in Jamaica, we are able to
transact in debt securities directly with the Jamaican government and the Bank
of Jamaica in the primary and secondary markets. Our Treasury & Correspondent
Banking segment accounted for 26.3% and 26.9% of our total segment operating
profit for fiscal years 2011 and 2012, respectively.
• Wealth Management: We, through our wholly-owned subsidiary, NCB Capital
Markets Limited, offer repurchase agreements, brokerage services and portfolio
management services to individual investors. We also offer these products and
services, as well as certain corporate finance services, to our corporate
customers. Repurchase agreements are a form of financing under which we sell
Jamaican government debt securities to our customers and then reacquire those
securities for a higher price at a later date, typically one to 12 months
after the original sale. Our corporate customers accounted for 41.8% and 38.0%
of the repurchase agreement balances of our Wealth Management segment for
fiscal years 2011 and 2012, respectively. Net interest income earned from
funding provided by repurchase agreements accounted for a substantial portion
of our Wealth Management segment's total segment operating profit for fiscal
years 2011 and 2012. This segment also includes our offshore banking
subsidiary, NCB (Cayman) Limited, which principally provides offshore banking
services to our Jamaican customers. Our Wealth Management segment accounted
for 28.2% and 29.6% of our total segment operating profit for fiscal years
2011 and 2012, respectively.
. Insurance & Pension Fund Management: We, through our wholly-owned subsidiary,
NCB Insurance Company Limited, offer a broad range of products and services
including bancassurance (a product that combines investment and life insurance
features), pension fund administration and investment management services,
annuities and group life insurance. At December 31, 2011 (the most recent date
for which comparative market data are available), we managed J$51,668 million
in pension fund assets, representing an 18.3% market share of all pension fund
assets under management in the country. At September 30, 2012, we managed
J$48,510 million in pension fund assets. We provide investment advisory
services to pension funds managed by us, although the fund trustees retain
ultimate discretion over all investment decisions. Our Insurance & Pension
Fund Management segment accounted for 14.4% and 17.8% of our total segment
operating profit for fiscal years 2011 and 2012, respectively.
• Other: We, through our Other segment, which includes our subsidiaries N.C.B.
Jamaica (Nominees) Limited, Mutual Security Insurance Brokers Limited and West
Indies Trust Company Limited, offer registrar and transfer agent, insurance
brokerage and trustee services, respectively. This segment also includes our
subsidiary DataCap Processing Limited, which provides security services to
certain of our key employees. Our Other segment accounted for 0.6% and 0.2% of
our total segment operating profit for fiscal years 2011 and 2012,
At September 30, 2012, we had J$379,436 million (US$4,229 million) in total
assets, J$111,905 million (US$1,247 million) in net loans, J$210,654 million
(US$2,348 million) in investment securities, J$162,930 million (US$1,816
million) in customer deposits and J$66,343 million (US$739 million) in
shareholders' equity. We had net profit of J$13,885 million (US$155 million) and
J$10,046 million (US$112 million) for fiscal years 2011 and 2012, respectively.
Our return on average shareholders' equity was 24.2% and our return on average
total assets was 3.4% for fiscal years 2008 through 2012.
We have received numerous international and local awards and recognitions. In
2011, The Banker ranked us third in return on capital and 14th in return on
assets among the 267 largest banks worldwide by institutions with Tier I capital
of under US$255 million. In a related ranking of banks in Latin America and the
Caribbean in 2011, The Banker ranked us first based on both of these metrics. In
2011, we were named "Best Bank in Jamaica" by Global Banking and Finance, and we
also received the Euromoney Award for Excellence: "Best Bank in Jamaica." In
2008, 2009, 2010, 2011 and 2012, The Banker named us "Bank of the Year,
Jamaica." World Finance magazine named us the "Best Banking Group in Jamaica"
for 2010, "Most Innovative Bank" for 2009 and 2010 and "Best Pension Fund
Manager in the Caribbean" for 2009 and 2010. We also received a number of Best
Practices Awards from the JSE, including the Governor General's Award for
Overall Excellence, Best Annual Report, Corporate Disclosure and Investor
Relations in 2009 and 2011 and the Stockbrokerage Website Award in 2009. We were
also the recipient of the Private Sector of Jamaica/JSE Awards for Corporate
Governance for 2009, 2010 and 2011. In 2010, 2011 and 2012, Latin Finance named
us "Best Bank in Jamaica." In 2010, 2011 and 2012, the Human Resource Management
Association of Jamaica awarded us the prestigious Golden Leader Award for
Our principal executive offices are located at 32 Trafalgar Road, Kingston 10,
Jamaica, W.I. Our main telephone number is +1 (888) 622-3477 (in Jamaica); +1
(866) 622-3477 (from the United States, Canada and the English-speaking
Caribbean); +0 (800) 032-2973 (from the United Kingdom). Our corporate website
is www.jncb.com.
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Anyone who's ever flown into Louis Armstrong International Airport in New Orleans knows that the airport's code—MSY—does not make sense. Lagniappenola explains. The "M" part of the airport's code is from its earlier name, when the Crescent City's airport was named for John Moisant, an early aviator. He was the first to fly across the Atlantic with a passenger.
Two passengers, in fact, including Mlle Fifi, pictured here on his shoulders.
Moisant was also the first to fly a plane in NOLA airspace. He died in New Orleans while landing a plane in a tailwind (not advisable). I hope the kitty wasn't with him. She surely wouldn't have used one of her lives trying to fly with the wind.
Lagniappenola's headline reads: "MSY: An Airport Named after a Crash."
Change is good.
(Wikimedia photo)
{ Comments on this entry are closed }


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Hi all, I must assume this is a common request but I didn't find any clue about it. I'd like to know which test suite and/or benchmark tools you are using to test and validate your gfs installation. I mean validating the installation using a tool for stressing the lock manager, testing concurrency open and/or write etc... I saw some of you using bonnie which doesn't seems to do that, do you know any other tool I could use ? Thanks,
Description: Ceci est une partie de message =?ISO-8859-1?Q?num=E9riquement?= =?ISO-8859-1?Q?_sign=E9e?=


text:
Crisis Core: Final Fantasy VII - Platinum PSP
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- Set seven years prior to the events of the first Final Fantasy VII, the Shinra Company is rapidly increasing its influence through its monopoly on mako energy and military might
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- Suitable for people aged 16 and over.
Release Date13/03/2009
DeveloperSquare Enix
GenresRole Playing
Crisis Core: Final Fantasy VII - Platinum Product Details
Set seven years prior to the events of the first Final Fantasy VII, the Shinra Company is rapidly increasing its influence through its monopoly on mako energy and military might. With the burgeoning city of Midgar as its base and symbol of prosperity, Shinra is on the verge of establishing absolute dominance over the world.
SOLDIER is a group of skilled combat operatives within Shinra. The elite within the group — those strong enough to be deemed SOLDIER 1st Class — are respected and idolized by the citizenry. Zack is a young SOLDIER 2nd Class who aspires to become a 1st. He spends his days carrying out assignments under the guidance of his 1st Class mentor, Angeal. During an operation in Wutai, a large number of SOLDIER member, led by 1st Class operative Genesis, go missing. The severity of the situation prompts Shinra executives to deploy even more SOLDIER operatives in hopes of bringing an end to the war with Wutai—and conducting an investigation into the mass desertion. The ones assigned to the mission are Zack, Angeal, and the 1st Class hero who is known the world over as Sephiroth...
What truths lie behind Genesis's disappearance? What secrets bind the three SOLDIER 1st Class operatives? For Zack, a cruel and fateful struggle awaits...
Crisis Core: Final Fantasy VII Special Edition Contains:
- Complete the Final Fantasy VII experience and reunite with the most recognised RPG characters created by world-renowned character designer Tetsuya Nomura.
- Witness stunning graphics and CG cutscenes coupled with top-notch voice acting in a 16:9 widescreen presentation, made possible by the PSP system hardware.
- Innovative D.M.W (Digital Mind Wave) system enhances the action-packed real-time battle system, allowing players to unleash special attacks or call upon iconic Final Fantasy summons.
- Take on challenges with the all-new "Hard Mode" which was not in the original Japanese release.
- Acquire unique accessories, items and abilities made available through 300 side missions to further enrich the gameplay experience.


text:
Thomas Jefferson's Union
Professors Gary Gallagher and Peter Onuf talked about the tenets of federalism and the meaning behind the idea of a union of states from the perspective of President Thomas…512 views
Professors Gary Gallagher and Peter Onuf talked about the tenets of federalism and the meaning behind the idea of a union of states from the perspective of President Thomas…512 views
Explaining the Constitution and encouraging students to have an interest in America's founding can be difficult for many teachers. Next, radio talk show host Diane Rehm moderates…920 views
Although Thomas Jefferson was in France as the Constitution was being debated and signed, he had his own ideas for the new nation. Next, University of Virginia History Professor Peter Onuf…780 views
Thomas Jefferson purchased a 1,334 acre tract in Virginia, known first as "Indian Camp" and then later named Morven, as a testing ground for various agricultural methods and…965 views
Peter Onuf talked about President Thomas Jefferson and how his career, thoughts, and actions relate to the origins of the Confederacy and the coming of the Civil War. The unresolved…723 views
Professor Onuf compared John Adams' and Thomas Jefferson's views of the Constitution and the role of divided power. He said that in many ways the two were similar despite the…498 views
Moderated by Mr. Samuelson, a panel of Jefferson scholars discussed the relationship between Thomas Jefferson and John Adams and their contributions to the founding of the United…151 views
Professor Ceaser and other colleagues from the University of Virginia talked about his new book, Reconstructing America: The Symbol of America in Modern Thought. The book examines the…156 views
In the first of a three-part series, Monticello, the home of President Jefferson was profiled. In the first segment, Mr. Daniel talked about the history of Monticello and…312 views


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The reason I became an investor in Clearwire started when in 2008 I saw a picture of SPRINT Don Hesse shaking hands with the then CEO of Clearwire in USA Today. That was like a gentlemens agreement. So I read the article. I started my investments slowly. Reading every piece of news, comment, concern the industry, nationally, internationally, about the two companies, about the technology. I followed all quarterlies. By end of 2010 Clearwire had met every goal they had announced in their rollout of the agreed upon 4G network the twtwo companies chose for their combined strategy. They had hit the 100+ million pop going well over it. Based on that picture any normal person would surmise that there must have been a plan for the second half of the rollout to get to 200+ million pops. I say surmise because these are professional at the highest level of business skills. The investor bases a lot on that simple normal expectation. Yet quickly when 2011 hit, if you trace back throughout that year, SPRINT abandoned the supposed plan, and started playing like the wicked step mother. Still Clearwire side stepped every hurdle SPRINT through at them. And the greatest being Jan 3013 when Clearwire forced SPRINT to admit they needed CLearwire, where signed the contract Clearwire needed them to sign. So now this article expresses SPRINT gives Clearwire good financing terms. That hand shake in 2008 should have determined that the good financial terms were a given after Clearwire hit all their promised objectives in 2010. But instead SPRINT diceptively pulled the rug out from Clearwire starting in 2011, starting the spiral demise of Clearwire. That financing is what was expected in 2011 if you believe in handshakes. Now instead in 2013 they give it because though Clearwires potential could have been achieved as early as Dec 2011, SPRINT has seen to it that it will only be achieved once they own it at rock bottom prices. Prices SPRINT caused to crash from $7 down to $1. That is if you believe in handshakes.
I wonder how the courts will view that action by Hesse and Stanton, two of the most experienced professionals in wireless broadband business and who CERTAINLY KNEW WHAT THEY WERE DOING.
Amen ddeleo, you are right on the hunt.
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Army Field Band returns to touring after year of restricted travel
March 19, 2014
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FORT GEORGE G. MEADE, Md. (March 19, 2014) -- After more than a year of restricted travel, the U.S. Army Field Band returned to the road earlier this month to share the Army story with audiences in the Northeast.
Soldiers of the U.S. Army Field Band departed Fort Meade on March 10 and are scheduled to return on April 17. The Soldiers are performing community outreach concerts in 10 states throughout the Northeast as part of the band's spring tour.
"Our Soldiers are thrilled to get back on the road and do what we do best -- showcase Army excellence through our music," said Col. Timothy Holtan, commander and conductor of the Army Field Band. "We put together a musical program that has something for everyone. If you are in the Northeast, or know someone who is, come out to our concerts, enjoy wonderful music, and speak to a few of America's Soldiers who live the Army values and showcase its profession."
The band's last tour took place throughout the Midwest in the fall of 2012. Shortly after the Soldiers returned, the band was restricted to a 100-mile radius from Fort Meade as part of sequestration.
"During restricted travel, we demonstrated resiliency," said Holtan. "We toured locally, engaged students, and produced educational content. We even implemented online education clinics where we worked with students throughout America in a virtual forum. But getting back on the road is where we belong."
All Army Field Band concerts are free and open to the public; however, due to venue size restrictions, tickets are required. Information about tickets and performance locations can be found on the band's website: http://www.armyfieldband.com/pages/schedule/sched.html