text:
Technical ProblemsIf you have technical problems with downloading notes or watching lectures etc.. please visit the support page>>
OLUWATOSIN says
Planning to write this course in September and I just wanna start now pls lecturer is this advisable? Can 4 hours of dedication per day take me to the pass mark?
John Moffat says
This would be better posted on one of the forums rather than as a comment on a lecture!!
Yes – there is no reason why 4 hours a day should not be sufficient to be able to pass.
OLUWATOSIN says
Thank you
anonymous says
Sir, pls. correct me:
Kd is the return required by the investors, which is different from cost to the company because of the existence of tax- (1-t).
Ke though is the same as the cost of the company as there is no tax relief for equity.
Am I right?
John Moffat says
True – Kd is the return to investors which is pre-tax. The cost to the company is Kd(1-T) if it is irredeemable debt. However if (as is more likely in the exam) it is redeemable debt then it does not equal Kd(1-T) – we need to calculate the IRR of the after-tax flows (whereas Kd is the IRR of the pre-tax flows).
anonymous says
Thank you Sir. 🙂
jay_azizi says
Hi John,
I am a little confused. You have mentioned that if debt is REDEEMABLE than it does NOT equal KDx(1-T). if that is the case than why in example 8 part 2 (redeemable debt) you have considered the coupon rate of 4.2 pa. That is $6 less 30%. If we were to follow your advise than the rate considered p.a should be 6% on nominal i.e. $6 because the example 8 states it is a redeemable debt.
Appreciate your clarification.
John Moffat says
The coupon rate gives the actual $ interest paid. This is allowable for tax and so the net payment is indeed $6 x 70% = $4.20.
This is not the cost of debt. The cost of debt is part 2 is 10% whereas in part 1 (without tax) the return to investors is 11.86%
The cost of debt does not equal the return to investors x 70%.
As I explain in the lecture, it is because although the interest is tax allowable, the repayment is not tax allowable.
anonymous says
Hi Sir
Example 7 part a, the cost of debt (kd) is 8.89%. After calculating you said that if the same was to be issued in stock market, the investors would desire the same return, otherwise why would they invest.
I didn't understand this.
Also why is Kd calculated? the cost of debt is already known i.e, 8%. So when Kd is calculated, there will be 2 cost of debt percentages i.e, 8% and 8.89% . What is it's difference?
John Moffat says
8% is not the cost of debt. It is the coupon rate (the interest on nominal). Maybe when the debt was originally issued, 8% was an attractive rate. However, if investors were to buy the debt now on the stock exchange they would get a return of 8.89%. So if new debt were to be issued only offering 8% nobody would buy it – the company will have to offer 8.89% for it to be attractive.
You may find the free F9 lectures on the cost of capital to be helpful.
anonymous says
Thank you Sir, I understood now. 🙂
sogan0 says
Why is our aim to get NPV close to zero when we do the two guesses or is that the rule
John Moffat says
The market value is the present value of the future receipts, so the net present value needs to be zero.
kapils says
Hi Sir Good Evening,
I would like to clarify one point. Is it Possible to use two negative PV cash flows when doing an IRR Calculation?
John Moffat says
Yes it is – in the same way as normal.
One positive and one negative gives a better approximation, but if you do end up with two positives (or two negatives) then you can still go ahead with them.
kapils says
Thank you very much.
Saqlain says
how many hours required for p4 lectures ??
John Moffat says
Sorry, but I have no idea! Assume on average about 40 minutes per lecture.
Saqlain says
want to end these in 10 days .. is it possible??
vicool says
really helpful as i m doing selfstudiesi want tgo make sure which studyguide and revision kit useful 4 me whether kaplan or BPP.
John Moffat says
Kaplan and BPP Revision Kits are both good – it makes no difference which one you chose.
tsk1975 says
When I click on the p4 lecturers..the video that plays is for p5. What should I do to play the p4 videos.
John Moffat says
The lectures are all working fine – the problem must be at your end.
I suggest that you clear the cache and the history in your browser.
If that does not work then you will have to try another browser.
tsk1975 says
Thank you let me try…
buicuong says
Very nice lectures, but i have a question plz help me to explain
eg 7 & 8 in chapter 7. which one has higher cost btw for Irredeemable debt and redeemable debt? and you guest discount rate in example 8 based on what criteria ?. Your result is far than 6%
John Moffat says
I am not sure what you mean by the first part of your question – they are two separate examples and in example 7 the cost of debt is 6.22% whereas in the second example it is 10%.
The fact that one is irredeemable and the other redeemable just means that we do the arithmetic differently – it is not the reason that one has a higher cost that the other. Either of the two could have been higher.
In example 8, we need to calculate the internal rate of return and the approach is exactly the same as when you calculated IRR for projects in Paper F9 – we make two guesses and then approximate between them to find where the NPV is zero. I guessed at 5% and 10% for part (a), but I could have made any two guesses.
For part (b) I guessed at 10% (simply because 10% is in the middle of the tables). If the answer had not come so close to zero then I would have made a second guess and approximated in the same way as I did for part (a).
There is no reason that the answer should be close to 6% which is the coupon rate. What we are trying to calculate in part (a) is the return that investors are currently getting if they buy the existing debt on the stock exchange. Since they are currently getting 11.86%, then there is no way that they would lend more money to the company unless they were offered 11.86% (but it would actually cost the company less because they get tax relief on the interest, which is why workings (b) are necessary).
03217677395 says
how does you got -0.77 i didn't understand .from 1-5 year present value was 15.92 and at 5 year was 68.31 so what did you do to get -0.77.
other thing is suppose answer is no close to zero but still negative so should we have to guess other percentage less then 10%
John Moffat says
-0.77 is the net present value of the flows: 15.92 + 68.31 – 85 = -0.77
We are calculating the Internal Rate of Return of the flows in exactly the same was as we do for projects (and as you did for F9) by making two guesses and then approximating between them (as we did in part (a) of this question).
For part (b) I was 'lucky' because the NPV was virtually zero at 10% and so I did not need a second guess. If it was not so close to zero then I would have had to make a second guess and approximate in the same sort of way as for part (a).
zain224 says
awsome lecture
njnierras says
i cannot load the video 🙁 please somebody help?
admin says
Please visit the support page: http://opentuition.com/support/
annalla says
Dear John,
Thank you very much for your reply.
krishnamr007 says
i have a small doubt.
Can i appear for the other ACCA optional specialisations which i didn't attempt, even after completing my ACCA qualification.
John Moffat says
@krishnamr007, Yes you can – you can find out about it on the ACCA website.
desperatetopass says
I am not getting audio on the lectures. Is this problem unique to me? I need to revise n short on time.
annalla says
Dear lecturer,
Thank you for your lesson.
I have a question, too. Why the pricing in example 7 & 8 quoted in ex int (excluding interest?)
And I can't remember the difference in various debts. I remember there was a exam question about vanila bond. Can you give me a more detailed information about different type of debts?
Thank you very much.
John Moffat says
@annalla, Debt is always quoted ex int in the exam, unless you are told otherwise. Here the questions actually say that they are ex int (i.e. that interest has just been paid).
Vanilla debt is debt with no unusual features (so not convertible, no warrants attached, no premium on redemption – just interest each year and then repayment at par.)
hassam2341912 says
How can I download this??? Coz I need to vew these in my office, i dont get time at home!!
Please tell!!!!
admin says
lectures are on line only
not downloadable
that's the only way this site exists and is free
utn9 says
It is great lectures….
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I don't know about you, but I could stand to increase the amount of Portuguese music in my diet. Lisbon kente cloth enthusiasts Blasfemea sing in English and named all the songs on their new album Galaxia Tropicalia after girls. It's clear they are not content to settle for the confines of the Iberian shores. Here's the video for the first single, "Maria".
Latest Blog Posts
Tired of looking at pretty people? Or rather, what movies, television, magazines and most music videos deem "pretty", until that vacuous definition starts to feed on itself, becoming ever more plastic and generic and surgically enhanced, and we end up with things like Heidi Montag?
Milwaukee's the New Loud have made a video for their new song, "Heaven", which is refreshingly replete with real live people. It recalls Godley and Creme's 1985 video "Cry", except without the creepy shape-shifting effects. Isn't it nice to see some crows feet and thin lips once in a while?
The Hold Steady
Heaven Is Whenever
Releasing: 4 May
The Hold Steady have been dropping pre-release tracks from their forthcoming album, Heaven Is Whenever, like they're going out of style, offering up three new songs as exclusive premieres on various online sites. The album is among the most anticipated of the spring, especially since the band has been trumpeting a change in direction this time around from its thinking man's bar-rock anthems to something "sonically more diverse", as guitarist Tad Kubler puts it. Don't know if any of the three leaked numbers stray too far from the Hold Steady's consistently winning formula, but we'll find out soon enough when Heaven Is Whenever comes out in May.
01 The Sweet Part of the City
02 Soft in the Center
03 The Weekenders
04 The Smidge
05 Rock Problems
06 We Can Get Together
07 Hurricane J
08 Barely Breathing
09 Our Whole Lives
10 A Slight Discomfort
Lt. Dan Choi in front of the WHite House,
handcuffed to the gate in his military fatigues,
discharged from being gay.
Wow, other people's moral judgments just get sicker and sicker. Just goes to show that it never pays to ask a people to deny themselves. Caution, when I watched this clip streaming on CNN.com, it was preceded by a candy bar commercial where a family father ogles over a trio of teen girls in front of his wife who stands next to him struggling with their infant. The sweet confection gave the man time enough to think of an amenable excuse for checking out the prepubertal set of scantily clad young maidens: "I'm looking at potential babysitters," he finally blurts out after his candy-snack jack. He was gonna exploit them one way or another—or both! In the same warped universe around the same warped time, there was also story about an announcement made over the PA system in a retail shop in Jersey: "Attention Wal-Mart customers, all Black people leave the store now." So, this should all situate the following clip about a military service woman being granted a marriage license by one state, outed to her government employer by the police, and dropped by the sidelines by our society in the same warped nation-state. Ask. Tell. And See this:
Who knows what possessed someone to make this collection? More importantly, who cares? Without further ado, here is Canadian crooner Michael Bublé being pursued by a
very crafty carnivore.
Shabazz Palaces "Dawn in Luxor" (Singles Going Steady) // Music
Randy Rogers and Wade Bowen "West Texas Rain" (audio) (premiere) // Music
Kaytranada "Lite Spots" (Singles Going Steady) // Music
Rachael Sage "I Don't Believe It" (video) (premiere) // Music
Cage the Elephant Ignite Central Park with Kickoff for Summerstage Season
// Notes from the Road
"Cage the Elephant rocked two sold-out nights at Summerstage and return to NYC for a free show May 29th. Info on that and a preview of the full Summerstage schedule is here.READ the article

subset: commoncrawl


text:
Grilled French Dip Burger with Jim Beam Black® Bourbon Onion
- 15 minPrep Time
- 15 minCook Time
- 4Servings
- 4 Omaha Steaks Burgers
- 4 square ciabatta sandwich buns
- 1 Tbsp. mayonnaise
- 6 ounces brie cheese, sliced
- 1 cup Jim Beam Black® Bourbon Onions
- 2 cup Beef Au Jus*, warmed
- 2 Tbsp. Canola Oil
- 1 Tbsp. Butter
- 1 large Yellow Onion, Sliced
- 1/4 cup Brown Sugar
- 1/2 tsp. Sea Salt
- 1/8 tsp. Black Pepper
- 1/4 cup Beef Au Jus*
- 1/2 cup Jim Beam Black® Bourbon
- Prepare Jim Beam Black® Bourbon Onions ahead of time.
- Trim a thin slice off of the top and bottom off the ciabatta bun to create a flat surface area. Then slice each bun in half horizontally.
- Lightly spread mayonnaise on the outside of the ciabatta bun to enhance browning.
- Place bun, with mayonnaise side down, on grill or in pan. Top each bun half with brie cheese slices to toast bun and melt cheese.
- Grill, broil or pan-fry burger until internal temperature reaches 165°F.
- Top burger with the caramelized onions. Place burgers on one side of the toasted buns then top with remaining bun.
- Cut in half and serve with hot beef au jus for dipping.
Jim Beam Black® Bourbon Onions:
- Heat oil over medium heat.
- Add butter and brown slightly.
- Add sliced onions and cook while stirring for about 10 minutes or until onions just begin to caramelize.
- Add Brown Sugar, Salt and Pepper. Stir well and continue cooking.
- When onions are caramelized, add the Beef Au Jus and Jim Beam Black® Bourbon
- Cook until onions have a nice brown color.
- Remove from heat and reserve.


text:
Country Music
Live Show
This is where Billy really feels at home - on stage, playing what he loves; great country music with a unique twist of his very own award winning dynamic country
Live show
line dancing songs
Performing line dancing songs and dance floor hits from the very latest dance sensations to the classics everybody knows and loves, filling the floor with dancing feet at any line dance venue.
Billy's Birthday
line dance weekend
Line dance weekend with great
line dancing songs! at the superb Hotel Piccadilly in Bournemouth with special guests, Yvonne Anderson, Sammi Lee Bassey and Lois Lightfoot.
Curtis & Lee
New duo
Hot damn! Billy teams up with Rising Country
Music UK Star, Sammi Lee Bassey, to form 'Curtis
& Lee' - a classy
british country music show that's easy on the the eyes and on the ears!
Stay in touch
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Sign up to Billy's newsletter to keep up to date with the latest news and events. You can unsubscribe at any time and we will NOT share your information with anyone.
Line dance weekend
ValentLines line dance weekend at the Heronston Hotel in South Wales with the amazing Karl-Harry Winson.
Country music UK
Listing of country music uk tour dates with search feature. Find out when Billy will be near you.
Billy started playing the Guitar at the tender age of five and, by the time he had hit nineteen, he was already a respected professional musician..
2016 is going to be an exciting year for Billy and his
country music UK fans – He is currently working hard on his new duo with Sammi Lee Bassey and a forth coming album, once again Billy has starting writing with his brothers, Jamie and Tim. "It's just like old times, only better." says Billy, "We're conjuring up some really exciting, fresh new songs that I am sure will blow my fans away. I can't wait to start playing them at my shows". For now though, Billy's staying tight lipped about his new songs - I am really proud of what I'm making for my fans and I want it to be a big surprise for them..... Mum's the word....


text:
Luckily my hometown locates in Hubei Province,where most people could have good view of total solar eclipse.
Share with you.
Luckily my hometown locates in Hubei Province,where most people could have good view of total solar eclipse.
Share with you.
excellent! nice pictures.
I remember 1999 solar eclipse. you can see it getting dark slowly, but suddenly you feel really cold like in a fridge.
coasting, few quotes are worthy of him, and of those, even fewer printable in a family forum......quote 3alarmer
No @coasting, you should stay 100% as you are right now, don't change a thing....quote Heathpack
Very Nice! Thanks for the pics!
Wow that was cool! Thanks!
Pretty cool. Thanks for sharing!
I'm glad you like it.
It was really striking,just like Hollywood movies.
Cool! You're lucky to have seen it... it was too cloudy here to see anything, but it was still fun to see how dark it got. Where in Hubei do you live?
Yeah, it's been a while! This site is usually blocked on my home connection, and don't always have time when I'm at work. You're lucky the eclipse didn't happen when you were away from home! Haven't been to Hubei yet... maybe someday soon
The light at the end of the tunnel IS the front of an oncoming train!
there is a piece of HD video shot by me updated in the log now.on vimeo


text:
PHOTOS! Catch Lisa Renna in Playboy 2009 for new n*** pictures. LALATE first told you Lisa Renna will pose n**** for Playboy in 2009, Renna's second time for a centerfold spread.
Earlier this month, LALATE told you that tv celebrity Renna, now 45 and a mother of two, will pose for the magazine 11 years after her first spread.
*** Update – LALATE has the photos for you ***
Lisa Renna Cover Pictures
Lisa Renna Photo 1
Lisa Renna Photo 2
Renna, recently of Dancing with the Stars, is set to appear in 2009 in a new reality tv show with husband, LA Law alumni, Harry Hamlin.
Renna recently started it all by telling Extra "I'm the worst liar on the planet, I can't lie, so… I think that could be a yes."


text:
You'd think that of all places, Austin would have one or two good places that could do bike-specific powdercoating. Unfortunately, most of the custom cycle shops (Willits, Moyer, even Sanner) are no longer open, so I'm left only general-item powdercoaters (who still charge $135 a job...)
Does anyone know of a good reputable shops that know how to powdercoat bikes (to preserve lug lining, etc) to whom I could ship my frame and fork? Extra points if it's in Texas, and if not, I guess I'll have to deal .
EDIT :: As a bit of background, it's an 80's frame that's got some flaking chrome and rust underneath. I'm going to OA it, but I figure since this is my primary workhorse, it could stand getting a durable, strong (and cheap? hopefully?) paintjob.


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text: Kayaking is made easy with our kayak ramp at the service dock. The park is open Thursday through Monday. Ranger-guided tours are available Friday through Sunday at 10:00 a.m. and 2:00 p.m. Visit the Matheson House for a look at island living in the 1930s. Bring plenty of water, bug repellent and a bug suit if you plan on attending the Ranger-guided tour.


text:
Chicken Nuggets: Made From Pink Goo
Have you ever seen one of those dinosaur-shaped chicken nuggets and wondered, how do they do that? I personally imagined some kind of cookie-cutter shaped blade on a big machine.
Wrong. Apparently, this is what chicken nuggets look like before they're cooked. The chicken is mechanically separated and de-boned, then the remaining meat is ground-down into this unappetizing paste. According to Michael Kindt, the goop is then disinfected, re-flavored and bleached back to the whitish color we all associate with cooked chicken breast. And of course, shaped along the way.


text:
The 49ers continue their road trip at No. 23 Texas Tech on Sunday, Sept. 1.
(Photo by John Fajardo)
Aug 30, 2013
Long Beach State (0-2-0) at
No. 23 Texas Tech (2-0-0)
Date: Sunday, Sept. 1
Time: 4:30 p.m. (PDT)
Location: John Walker Soccer Complex
Follow Your 49ers: Watch | Live Stats | Twitter
The Long Beach State women's soccer team is looking to bounce back from a tough loss at Santa Clara, which was ranked 23rd in the Soccer America poll, when it continues its road trip this Sunday (Sept. 1) at Texas Tech. Kick-off is set for 4:30 p.m. (PDT). This marks the second-straight ranked opponent the 49ers will be facing as the Red Raiders are No. 23 in the NSCAA poll.
No. 23 Texas Tech (2-0-0) opened the 2013 season with a pair of wins, defeating New Mexico, 1-0, before toppling Colorado State, 6-0. Jessica Disabella led the attack with two goals and one assist. She scored the game-winner against the Lobos in the 86th minute. Hayley Haagsma also found the back of the net twice vs. Colorado State, while goalkeeper Victoria Esson did not allow a goal in 136 minutes played. The Red Raiders will host Idaho State (Aug. 30), before the 49ers make their way to Lubbock, Texas.
Long Beach State trails in its short series with Texas Tech, 0-1-0. The two teams met for the first time last year at the Under Armour Invitational in Fullerton. The Red Raiders scored the game-winner with 31 seconds left in the second and final overtime for the 3-2 win. Eileen Maes accounted for both of the 49ers' goals.
When the underclassmen outnumber the upperclassmen, there are bound to be some growing pains. The 49ers have a group of 12 extremely talented freshmen, but the task of replacing the likes of two-time All-American and Big West Offensive Player of the Year Nadia Link, along with all-conference defenders Alex Balcer and Jordan Nelson, will not be easy. LBSU, which has played seven true freshmen including five who have started both matches so far, is still gaining experience and searching for the right chemistry.
The last time Long Beach State had such a huge roster turnover was in 2009, when it had to recover from the loss of 11 players to graduation. That squad struggled to a 5-11-3 record, but the 49ers proceeded to win the next two Big West Tournaments and make an unprecedented run to the NCAA Elite Eight (2011).
Two-time Big West Offensive Player of the Year and NSCAA All-American Nadia Link had been a stalwart on the 49er front line the past three years. This season, with the loss of Link to graduation, most of the focus will shift to senior Eileen Maes. Maes, who has taken a team-high five shots, was a second-team All-Big West selection last year. She totaled nine goals, which ranked second in the conference. The Oakland, Calif., native is one of five seniors on a 49er squad that features 21 underclassmen.
True freshman Ashton McKeown (Huntington Beach, Calif.) begins the 2013 season as the 49ers' starting goalkeeper. She allowed just one goal in a tough 1-0 loss to Northern Arizona in the season opener and had four saves at No. 23 Santa Clara. McKeown also played 57 minutes in an exhibition match against FIU, finishing with two stops while holding the Panthers scoreless. McKeown prepped at Calvary Chapel High School in Santa Ana where she was a two-time first-team All-Orange Coast League selection.
LBSU will face three non-conference opponents who were ranked in the NSCAA Preseason Poll (Aug. 17). The 49ers have road contests this week at then No. 16 Santa Clara and No. 24 Texas Tech. They then return home to host sixth-ranked BYU (Sept. 21), which advanced to the NCAA Elite Eight a year ago.
Long Beach State returns to George Allen Field for a pair of night games next weekend as it entertains Cincinnati on Friday, Sept. 6 (7 p.m.), and Loyola Marymount on Sunday, Sept. 8 (6 p.m.).
Sport Links
- 2014 Season
- Statistics
- Weekly Release
- Quick Facts
- Media Guide
- General Info
- Camps
- Team History
- Ticket Information
- Purchase Tickets Online
- Related Links
- Big West Women's Soccer
- Soccer America
- Top Drawer Soccer
- In Pictures
- Photo Galleries
Media Guides
Section 1Intro & Coaching Staff
Section 2Player Profiles
Section 32014 Season Review
Section 4History & Records
Section 5Welcome to the Beach
More Headlines
Ashley Gonzales Named to Soccer America's...01/16/2015 - W. Soccer
Long Beach State forward Ashley Gonzales was named to Soccer America's All-Freshman Second Team...
Four 49ers Named to NSCAA/Continental Tire All-...12/03/2014 - W. Soccer
Long Beach State women's soccer had four players named to the 2014 NSCAA/Continental Tire NCAA...
Long Beach State Puts up Tremendous Fight in 2-...11/09/2014 - W. Soccer
The third-seeded Long Beach State women's soccer team left everything on the field but ultimately...
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Long Beach State Dominates All-Big West Women's...11/05/2014 - W. Soccer
The Long Beach State women's soccer team claimed four of the six individual All-Big West awards...


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After driving 4 Miles engine gets hot. Removed thermostat,have water flow through radiatoor, heater, and engine block. Heater does not blow hot air when on high temp. New radiator, problem still exists. No water leakage, oil not affected. Exhaust normal. Engine runs smooth and powerful. Code P1258. Thanks Glen
by Visitor in Tucson, AZ on April 05, 2010


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Piriform Products:CCLEANER & SPECCY
I've been using CCLEANER as one of my pc optimization and virus residue removal tools. Here's an info about this tool from their website: "CCleaner is the number-one tool for cleaning your Windows PC. It protects your privacy online and makes your computer faster and more secure. Easy to use and a small, fast download."
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Download CCLEANER
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Download SIW
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Have a great day and God Bless to all!
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text:
1 Park near Rising Sun, Indiana
Florence, Indiana 9.82 miles SW
Versailles, Indiana 22.9 miles NW
Batesville, Indiana 31.94 miles NW
Brookville, Indiana 33.35 miles NW
Rising Sun, Indiana (map) | (812) 438-4500
Sites: 200 | Latest Rate: $43.00 | 53 Reviews
|Clean Restrooms:
|Clean Showers:
Nov 2015 - $43.00
Pluses: Lots of Halloween activities for the kids, nice clubhouse, and firewood delivery right to your campsite. Outer loop spots are decently spaced but inner loop look hit-or-miss.
Minuses: Roads are in terrible condition - doesn't look like they have put fresh gravel down in a year so the potholes stayed a muddy mess even when it didn't rain. WiFi was useless - it was crowded, but we couldn't log on even once the two days we were there. Playground is small. - selmore
Sep 2015 - $17.00
It was pouring rain the entire time we at the park so we didn't really get a chance to do much or even take advantage of the area. We chose to stay on the upper level which we later found was somewhat of a mistake as the sites all have really bushy trees with lots of low hanging branches. We found out later that the sites on the lower portion by the river don't have that problem. From the little bit we could see through the rain, it appeared to be a nice park with lots of family activities. It is also near 2 casinos, one of which will come to the park, pick you up and return you for free. We were so tired and wet we just opted to stay in for the night. It was rather far from the road, but the drive was easy and had it been sunny probably rather scenic. The site was FHU and very level and long. We hope to go back when the weather is better. - LovinFT
Aug 2015 - $32.00
Stayed here in a 40 ft RV. Big, long sites, stayed on the river section. 50 amp good, decent water pressure. WiFi slow need a closer repeater. They're a Passport America park, BUT no sign visible and I forgot to mention it, hence the full price. Nice setting, the road could use some more gravel as well as several sites. It rained really hard and got fairly muddy. AT&T had decent signal. We'd return. - walt66


text:
: [Hack of the Year]
Nomination Round Results - 2012
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January 6th, 2013 (12:16 PM). Edited January 6th, 2013 by Crimson5M.
Crystal Tier
Join Date: Feb 2011
Location: Scotland
Age: 20
Gender: Male
Nature: Quiet
Posts: 1,084
Originally Posted by
yea my bad it isn't over, but yet have you people that say that LP has no storyline at all played the game itself?Seriously it isn't the best storyline in PC but imo I think that it still deserves a place in top 3.Storyline in Cutlerine's Snakewood sure deserves first place.And all the effort Wesley put on LP, sure there are many people who doesn't like it.I believe most members in PC have played LP and in graphic appeal, engaging gameplay and stuff like that it is first by far.
Would you care to explain this so called "story" to me then?
Either way saying that Light Platinum has one of the best stories out of any hack is preposterous. Half the hacks in Progressing Hacks that never got any votes for anything have stories far better.
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ANOTHER FINE MESS: Mass Confusion on Literacy Rates in Detroit
By Danny Devries, Data Analyst & Louis Bach, Communications
It seems that if you spend enough time in Detroit, someone will, sooner or later, tell you that half of the city's population is illiterate. It happened to us most recently on the December 1st episode of the Craig Fahle show when a caller rang in and recited the figure. There's no doubt that Detroit suffers from many social ills, but how did the claim of a one-in-two literacy rate become so commonplace? Curious about the origins of this oft-quoted statistic, we started digging. What we found was appalling.
On May 4, 2011, The Detroit Regional Workforce Fund (DRWF) published a report titled Addressing Detroit's Basic Skills Crisis, which featured the statistic that 47% of Detroit's adult population is functionally illiterate. Predictably, this touched off a media firestorm. Major outlets including CBS, Fox, the Huffington Post, and the Daily Mail promptly covered the release, along with other heavyweights like Matt Yglesias.
Dissecting the origin of this statistic is more about the poor data literacy of some of our news agencies than it is about Detroit's literacy rates. Many of them referred to the report as a "new study," missing the important detail that the research is far from new. The 47% Detroit literacy rate is the result of a 1998 analysis by the National Institute for Literacy, performed on data from the National Adult Literacy Survey (NALS), published in 1993. That's right: those "alarming new statistics" are based on data almost two decades old. Almost all of the media coverage neglected to communicate that fact:
• On May 4, CBS Detroit reported "alarming new statistics" indicated that nearly half of Detroiters "can't read."
• On May 4, Mlive.com reported on a "new study" from DRWF indicating the 47% functional illiteracy rate.
• On May 5, Fox Nation rehashed the CBS Detroit story, as did My Fox Detroit.
• On the same day, Outside the Beltway also rehashed the CBS Detroit story.
• The same day, the Daily Mail quoted the "study" showing that nearly half of Detroiters "cannot read."
• That day, Matt Yglesias at ThinkProgress commented on the report.
• On May 6, Good Magazine reported the figure and referred to DRWF's work as both a "new report" and a "study."
• The same day, the Root did the same.
• On May 7, the Huffington Post stated that of Detroit's remaining population since 2000, half are functionally illiterate.
• On November 3, Bridge Magazine reported the figure, saying that "despite the best efforts of dozens of nonprofit tutoring agencies, the numbers have not been improving," though there's no way of knowing whether this is true.
Even in 1998, the NIL report underlines several limitations to its methodology, all of which have been ignored by the media. At the end of Appendix A, it states "there is no direct evidence available about the validity of the model's predictions for the congressional district or city/town/place Census areas," e.g. the city of Detroit. The model's validity was confirmed only for counties, not other geography levels.
In addition, the confidence interval for the city of Detroit is noted to be greater than plus or minus five percentage points, though the report didn't specify how much greater. In other words, not only do we not know the exact literacy rate, we also don't know how precise the estimate is!
Literacy is an important issue in Detroit; to take action on it requires that we understand the magnitude of the problem. But to act based on outdated and methodologically limited data is hardly better than acting on no data at all. This is particularly true when uncritical reporting of those data dominates the dialogue, as has been the case with literacy in Detroit. In order to understand how to respond effectively to the issue of literacy, we must first honestly evaluate how much or little we know about it – and in present-day Detroit, there are significant gaps in our knowledge.
(Credit goes to blog Club de Cordeliers for the scoop. Hat tip to E.D. Kain at Forbes.com for linking to de Cordeliers.)
25 responses to "ANOTHER FINE MESS: Mass Confusion on Literacy Rates in Detroit"
So what is the illiteracy/literacy rate?
The national center for education statistics website says 12% lack basic literacy skills in wayne county (2003). For comparison, it was 6% in Washtenaw County.
I remember wondering about this statistic, too, which I thought I recalled was bandied about in a local news column before the May 2011 report came out.
We recently published this statistic in our December issue which focuses on literacy. I state in my column that I had a difficult time wrapping my head around a number that large. I pulled the info from the DRWF report. I am elated to hear that it's no longer true. Our January issue will share the good news with our readers but still encourage them to identify those who live with this challenge and offer help.
Thank for this piece. As a former Detroit Library Commissioner and a former professional journalist, it has always bothered me how this number is tossed around without much, if any, verification that the stats are current or even valid. However, this is not to say illiteracy is not a serious problem for Detroit. I just believe it should not be exxagerated with possibly outdated or flimsy data.
Thanks for this. In my oft-stated opinion, there simply ARE NO DATA which document the level of illiteracy in the City of Detroit. This is not a measurable condition.
Actually, it is a measurable condition. Random sampling, basic tests and a little statistical analysis are all that's required.
You will be pleased to know that some of the readers of MLive pointed out the date and source of the literacy study on the comments. I hope that the editors of MLive and other news sources had published a retraction or correction.
Thanks again for another important piece correcting the myths of Detroit. Your work is critical to all of us.
The one disturbing piece that was presented in this post was the "data illiteracy" of the media. I cringe how media skews and asymmetrically presents data. Great observation and I would like to see more discussion on it.
I would also like to point out that Detroit has a extremely diverse population where English is a secondary language.
Another misconception about the people of Detroit down the drain!
I'm glad you're there.
Something else we need more data on is how things get so contorted, skewed and totally mashed up by the media trail. I wish there were a way to measure that!
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zach0ary wrote:While after the problem was fixed with skins i realized i still had the steve skin so i relogged except it said play offline! idk why but it seems I heard someonr else talking about that is minecraft down?
nickfromgreek wrote:Login servers and multiplayer sessions servers are going up and down im sure mojang is informed of the issue
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text:
Fernandina Beach, Florida Bed and Breakfast
Home > Find a Florida B&B > Fernandina Beach, Florida > Hoyt House Inn, The
Click on the photos above to see them larger
View more photos at our web site: www.hoythouse.com
Hoyt House Inn, The
Your host(s): Myrta & Deborah
Web Site: www.hoythouse.com
Email: email@example.com
Phone: 904.277.4300
Guest Rooms: 10
Rates: $185 - $495
Hoyt House Inn, The
Voted top 10 Bed & Breakfast in the United States by Bed&Breakfast.com. Elegant 1905 Queen Anne style 10 bedroom en suite mansion with three gracious sitting rooms waiting for you to relax in after walking through 11ft tall double French doors. Enjoy the Baby Grand Piano playing your favorite symphony. Luxury amenities of shower gels and oatmeal soaps in each bathroom with robes & wraps for men and women. Large Pool & Spa and terry chaise covers for your comfort. Meet the innkeepers at our daily Wine & Cheese Happy Hour. Our three course gourmet breakfast is an experience with no detail missed including French Pressed Coffee. Browse through our quaint gift shop. Located in the Historic District of Amelia Island, blocks to the marina and a short walk to the beach. Use our new bicycles for a relaxing ride to the beach, or marina.We will exceed your expectations. Come home to The Hoyt House. Select Registry Property & 3 Diamond AAA Rated.
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Artist: Australian Crawl
Album: Sirocco
Genre: Pop
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The coffee house where four Lakewood police officers were slain on Sunday won't reopen until at least next week.
PARKLAND, Pierce County — The coffee house where four Lakewood police officers were killed by a gunman Sunday won't reopen until at least next week.
Brad Carpenter, chief executive officer of Forza Coffee, said Thursday a decision on when — or if — to reopen the Parkland store won't be made until after Tuesday's memorial for the four officers.
"No business decisions will be made until after the memorial," Carpenter said.
The officers were killed at around 8:15 a.m. Sunday by Maurice Clemmons, who was wounded in the exchange of gunfire. Killed were Sgt. Mark Renninger, 39; and officers Ronald Owens, 37; Tina Griswold, 40; and Gregory Richards, 42.
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Clemmons was fatally shot Tuesday morning by a Seattle police officer.
The coffee house was closed immediately after the officers were shot, and mourners have set up an impromptu memorial outside the business where visitors all week brought flowers, cards and other items to pay their respects to the slain officers.
Forza Coffee Co. is a Gig Harbor-based franchise operation that Carpenter and his wife, Cindy, started in 2005. Carpenter is a former police officer.
For those wishing to help the officers' families, Forza has put donation boxes at all 22 of its locations and is also accepting donations on its Web site: www.forzacoffeecompany.com.
Christine Clarridge: 206-464-8983 or email@example.com


text:
What's News—
Business & Finance
U.S. stocks tumbled to their lowest levels in months as investors reacted to President Obama's re-election and rising worries about the coming fiscal fight in Congress. The dollar rose against the euro but fell against the yen.
Europe faces a deeper-than-expected recession in 2012 with a modest recovery taking root only next year, while unemployment will continue to climb, the European Commission said.
Burberry's pretax profit rose 7% as the fashion house said it would stick to big global metropolises, and stop pushing into second-tier cities.
BHP is planning to find a successor to CEO Marius Kloppers but gave no timeline.
Hon Hai is shipping "far fewer" iPhones than requested by Apple because some quality standards still can't be met due to design-related production difficulties.
Guangzhou Auto GNZUF -1.82 % and Chery Auto formed an alliance to boost sales and cut costs, as the Chinese state-owned car makers seek to insulate themselves from increasingly tough competition from foreign rivals.
The U.K. car industry is humming again thanks to strong local demand and exports of premium brands that have set the sector apart from struggling European counterparts.
ING Groep will cut more jobs to prepare its banking and insurance operations for a stand-alone future. It reported net plunged 64% in the third quarter.
French banks are embracing a practice popular in the U.S., one that involves the creation of financial instruments that led to huge losses not so long ago.
Some Goldman executives recently pocketed a total of $21.8 million by cashing in stock options awarded in the afterglow of the company's IPO.
Short-term corporate bonds of Exxon and J&J are trading with yields below those of comparable Treasurys, a sign that investors perceive them as a safer bet.
Time Warner's TWX 1.63 % net rose 1.9% in the third quarter as the media conglomerate's margins were helped by lower costs.
Tata Motors TTM 0.24 % posted an 11% rise in fiscal second-quarter net profit, buoyed by results at the auto maker's U.K.-based unit, Jaguar Land Rover.
News Corp. earnings tripled in its latest quarter, thanks to a one-time gain from an asset sale and higher revenue in the cable-network division. 27
BNP Paribas BNPQY -4.77 % reported a sharp jump in third-quarter profit, powered by a resurgence in its investment-banking business as investor sentiment improved across the euro zone.
Ericsson said it would cut almost 10% of its Swedish workforce, as it strives to improve profits and remain competitive in the crowded telecom-equipment market.
Laos has begun preparatory construction on a controversial Mekong Dam, though officials dispute whether ground has been broken.
A Damascus car bomb killed a judge, the second assassination in the Syrian capital in two days targeting high-ranking supporters of President Bashar al-Assad.
Congress Party head Sonia Gandhi appears to have shifted position toward backing overhauls that many say are needed to help reverse India's economic slide.
Greek lawmakers were expected to approve a multibillion-euro austerity package Wednesday in an effort to win more bailout funds, but the measures threaten to deepen the recession and destabilize the country's politics.


text:
From ppooll
ppooll for max6 (make sure you have the latest version of max installed). the free runtime version is fine !!: max6-runtime
ppooll does NOT run with the newest max7 !!
please refer to the enclosed readme.
- make sure overdrive is off
recent versions
max externals C-coded max externals that are part of ppooll
standalone application or max patch as GUI for sluggo's osx camera driver access tool.
last version campatible with max5
this is where you can find older releases.
even versions for max 4.3 or OS9 if you dig down.


text:
ringtext uses your phone number to make messaging with friends and contacts easy. The phone number verification process is designed to be as simple as possible, but if you are having trouble verifying your number, please inform us at firstname.lastname@example.com
To make youre registration successful, it is required that ringtext makes a missed call to our servers located in Amsterdam. This is only to capture your CLI on our servers, the ringtext app will disconnect automatically and we will not answer your call. So registration (number verification process) is 100% free.
We are receiving from users all over the world (most from India) they cannot register because of corrupted CLI.
This is why: If we recieve on our server the number 196585 instead of the full number +919418159976.
It is required that we receive your CLI correctly for the app to work! Of course there is already a user registered for the CLI "196585" (the corrupt one), so the system thinks you are that user and ask you to enter the password. Sorry Its your (India) provider who does not plays the rules correctly with handling CLI format.
You can test your CLI with this site http://www.calleridtest.com/ (NOTE It's NOT FREE if you call from outside the USA). But it works great. I called from The Netherlands and it cost me arround 0,20
We noticed also In some countries you have to add after the 00 or + an extra carrier in the phone number
For example ringtext dials for registration 00 31 20 XXXXXXX in Chile it should dial 00 123 31 20 xxxxxxx
(where 123 is the carrier). check here for more info http://www.howtocallabroad.com/
To add the carrier in a number not yet build in ringtext.


text:
Dude, when we meet after work at 6:30 and the waitress asks if we want to see a menu in addition to our beer order, don't say "No thanks" and then add belatedly "Unless, you want something Better4me". Really? I was supposed to eat something before meeting you? Really?
Dude, your concerns about your student loans, or how much beer costs, or complaints about your ex wife (divorced 21 years ago ex wife) are not first meeting conversation topics designed to endear you to me.
And when I end the date after 90 minutes (because I'm hungry and am going to go get myself a taco somewhere dammit!) and I say "It was nice to meet you", don't say "Really?" in response to that statement. You knew, didn't you Dude, you knew...
Was it bad that I didn't send a "nice to meet you " text?
Back to the drawing board!
Note to self - eat pecsn nuts wrapped in American cheese before going on a date. Check.
I would of definitely expect we would be eating if someone set the time for 630 after work.
Divorced 1/17/2013
"Diamonds aren't a girl's best friend, freedom is."
(because I'm hungry and am going to go get myself a taco somewhere dammit!)
"The dark does not destroy the light; it defines it." - Brene Brown
His reply "NP. Same to you"
So we're cool. (And apparently typing "no problem" is too much of an effort.)
Did you hit Taco Time? Because that's totally what I would have done.
Oh God. I miss Taco Time SO MUCH!!!!!! Crisp beef burritos. Soft Natural Tacos. Mexi fries.
Now I haz a sad. And a hungry!


text:
France's Laurent Koscielny, second right, clashes with Olexandr Kucher of Ukraine, second left, in their World Cup playoff first leg in Kiev, Ukraine, on Friday. Koscielny was shown the red card.Nov 19, 2013FULL STORY
Photo: EPA
This photo has been viewed 233 times.
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text:
The reader is strongly advised to read the lens evaluation notes.
The Nikon AF-D 200mm f/4 ED Micro-Nikkor is Nikon's longest macro lens, focusing to 1:1 reproduction ratio.
As with any macro lens, one cannot assume that peak performance will be reached at infinity; as a macro lens one might properly expect that performance has been optimized for close-range focusing.
Quick summary
Overall optimal aperture appears to be ƒ/6.7, with ƒ/5.6 showing weak corners yielding a nice pop to ƒ/6.7. While ƒ/8 shows a slight loss of micro contrast, it is also a very good choice for a little more depth of field. Stopping down beyond ƒ/8 even 1/2 stop to ƒ/9.5 quickly degrades image contrast.
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Since 2006, Diglloyd Advanced Photography is the authoritative review and reference for DSLRs and their lenses: Canon and Nikon primarily, but also Pentax and some medium format. Reviews of key DSLRs are included, but the primary focus is on lens performance. Also included is a wealth of technique and workflow approaches.
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Let us know how well you scored with our Brendan O'Carroll sitcom posers by tweeting us at @MirrorTV
The actor first played officer Robbie Lewis in 1987, opposite the late John Thaw in the hit ITV police drama Morse
Spin-off Lewis premiered in 2006 after Inspector Morse came to an end with a two-parter called What Lies Tangled
The filmmaker worked closely with late actor John Thaw on several projects
Pictures showed the building ablaze with smoke billowing across the city but amazingly just 5 per cent of the hotel was damaged
Some guests reported hearing that the fire, which raged for hours, began in the hotel's kitchens
Speaking about the upcoming eighth series, he said: "There might be more Lewis after this series but there won't be a lot more. Not with Lewis himself"
Let us know how well you scored with our Brendan O'Carroll sitcom posers by tweeting us at @MirrorTV
What does the detective like to drink and where does he live? Find out here
Endeavour returns following two unsettling events that now define the state of mind of the detective – the death of his father and being shot in the line of duty
From The Beatles to Harry Potter, Inspector Morse and Elvis, there are numerous brainwaves that first fell on deaf ears
Minder, House of Cards and Star Trek are just some of the shows to have been reprised for the small screen without a top cast member
What she misses most about John is sitting in front of the TV together, mulling over the rubbish that's on, or listening to the radio
What's your favourite telly drama treat? Watch shortlisted clips and have your say
The actress speaks about her moving role in Morse prequel, and admits "I know I'm in it because of my name"
This time, Penguin Cam uses some very sophisticated robotics to film three different penguin species in three very different environments
It comes in the last scene of hit ITV detective show Lewis, when DS James Hathaway, played by Laurence Fox, announces he is leaving the force
Actor who plays Robbie Lewis says he has never liked detective dramas
With David Cameron ridiculed on American TV over his British history knowledge, Brian Reade gives him some pointers
The RADA-trained actor, 84, was best known as the TV sleuth's boss, Chief Superintendent Strange
The popular Oxford-set detective drama, which stars Kevin Whately as Inspector Robbie Lewis, has been broadcast on ITV1 since 2006
Shaun Evans will continue in the role of a young Morse and John Thaw's daughter Abigail will make further guest appearances
IT was the week of the great detectives' showdown: Holmes versus Morse.
The roots of Inspector Morse's love of crosswords, real ale and Jaguars are revealed in this feature-length prequel set in 1965.
THE dawn of a New Year always brings a shiver of excitement and optimism – once the throbbing hangover clears.
DAVID Cameron wants a bedroom TV set for Christmas – with a special edition of BBC spy drama Spooks his ideal festive treat.
AS cop shows go, New Tricks is so potty it makes Luther look likely.
This being the silly season for news, here's a silly question: which TV detective would you like to meet?
Tributes have been paid to the actress who played Aveline in the Liverpool sitcom Bread and died from a suspected heart attack.
Jeffries was best known for playing Grandpa Potts in the 1968 movie classic which told of a family's adventures in a flying car.


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Each month, direct to your email inbox, we'll send the best camping news, tips, recipes and more, to enhance the camping lifestyle that you love so much. Learn More
A KOA camping recipe favorite, Brown Bears are a fun, sweet treat that coul...
Not every campfire marshmallow needs to become a s'more. Check out 5 easy m...
Learn more about the Tennessee KOA that's turning 50 this year
Plan the perfect trip from home or on the road with the official KOA app. Learn More
Open March 1 - October 31
Reserve: 800-562-4169
Info: 208-324-4169
5431 US Highway 93
Jerome, ID 83338Get Directions
From Interstate 84: Exit 173 and go 1 mile North on US 93.
From Nevada: Drive North on US 93 until it becomes Poleline Road in Twin Falls. Turn left at Blue Lakes Blvd. and drive North across Snake River Canyon/Perrine Bridge and continue for about 4 miles. Blue Lakes Blvd becomes US 93 as you cross the bridge.Get Google Directions
Camper Rating 4 out of 5


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The poolside welcome party is just minutes away. Everone's heading there now. WDSF Communications too, hence we cannot continue on this blog for the next few hours and, depending on the official World Latin cocktails that will be served, we won't be back until tomorrow morning. Just kidding ...
Everybody at the welcome party? No, the ladies at the registration desk are still working ... Friendliness pairs with efficiency: Singapore style!
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