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ALMOST TWO years ago, my husband and I decided to invest in a Broadway show. We found a group that allows small investors to buy shares in a production for a minimum of $10,000 and got on the mailing list. For a few months, we received information on various shows: A Little Night Music with Catherine Zeta-Jones and Angela Lansbury; Leap of Faith (based on the Steve Martin movie) with Brooke Shields; and a ballroom-dance spectacular called Burn the Floor. We said no to the first two (Night Music because, although we love Sondheim, not everyone does, and Leap of Faith because I didn't like the movie) but put $10,000 into the third. Why? It had two of the dancers from Dancing with the Stars, a huge hit. We thought that would be enough to make it thrive.
We pretty much figured wrong all around. Night Music made money for its investors. Leap of Faith tried out in L.A. and is currently being reworked for Broadway. And Burn the Floor? It opened but never caught fire. We haven't seen a dime—and the last communiqué to investors doesn't make it sound as if we will. "I think you'll probably lose it all," says Steven Baruch, a producer affiliated with Richard Frankel Productions (rfpny.com), the group we invested with.
Even though we lost our money, it was a thrill to be thatclose to the theater. There are certain investments—in wine, restaurants, art—that I lump into the category of "play money." If you're already funding your retirement and your kids' college, if you've avoided massive debt and are willing to take a flier on up to 10 percent of your portfolio, why not follow your bliss? Especially if you invest in a way that maximizes your chances of making the money back—and then some.
If it's grapes that get you going, there are two primary ways to buy in: by becoming involved with a winery and by acquiring bottles, storing them and hoping they appreciate. Though some investors choose option one, that's a bad idea, says Joe Bastianich, owner of four wineries. The price of admission is higher than that of most "passion" investments (high five figures to low six at a minimum), and holding on to that money is extremely difficult. "If you want to make a small amount of money in the winemaking business," he says, "the best thing to do is to start with a large amount." In other words, he advises that you steer clear entirely.
The second way—buying investment-grade wines when they're first put on sale (but aren't ready to drink) and holding them—"is how you can make money," Bastianich says. That's not to say it's easy. Choosing a wine to drink is about taste; choosing one to invest in is about finding a wine that will quickly appreciate in value. Websites like Wineprices.com and Wine-searcher .com keep data on how much money wines have sold for recently, and -Vinfolio.com has listings of wines for sale. You'll see that returns on some fine wines have been in the range of 12 to 14 percent annually.
How do you identify those "hot" wines? Start with Bordeaux, says Ann Feely, vice president of wine sourcing and sales for Vinfolio. "It's the one category that's traded like a stock and has proven to appreciate reliably," even through the recession. "In terms of the wine-investment world, Bordeaux is the safest."


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Angelos falls well short of slot average
The launch of Angelos Epithemiou's series on Channel 4 on Friday attracted less than half the viewers of its slot average.
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text:
That harried dogcatcher Rose Parade viewers saw running down Colorado after a carload of canines on the La Cañada Flintridge float wasn't just a whimsical creation for the 2014 parade. He was modeled after the CEO of the Pasadena Humane Society (PHS), Steven McNall. But more on that later.
"Dog Gone!" was designed by artist Jacob Maitless based on a concept by an 8th-grade Orange County girl whose dog loves to run away. She won a contest sponsored by the La Cañada Flintridge Tournament of Roses Association (LCFTRA). The float won the Bob Hope Humor Trophy for Most Comical & Amusing Entry on Jan. 1, 2014.
LCFTRA had a bump in the road during the building process. Thieves broke into the yard and stole supplies, but the community of LCF and float builders rallied to ensure the entry would be ready for parade day.
"Dog Gone!" presents the Rose Parade theme "Dreams Come True" from the perspective of five dogs who take off in the dogcatcher's truck. The truck bounces over a stone and concrete bridge made with oatmeal and a seed mix, while the dogcatcher runs in pursuit. The animation on the truck used three large hydraulic cylinders, mounted free to rotate at both ends, with three pivoted struts for stability, creating the effect of a speeding vehicle careening off obstacles. LCFTRA believes this is the first time such animation has been used in the Rose Parade.
The dogcatcher's trousers were made of a cloth material covered with green mung beans, so as his arms and legs pumped, the trousers draped naturally. "Steve" wore a jacket and cap of yellow button mums.
The five dogs were named by five LCFTRA members who made a donation for the privilege of honoring their dogs: Shasta, the rosy-cheeked driver, covered in palm bark; Gunnar, the passenger, in peach and tan carnations; shaggy sheepdog Morgan in pampas grass tipped with onion powder for the gray/brown color; Gypsy, the poodle in her summer cut of white mums and carnations; and Winston, hanging on for dear life, in coconut and dock seed. Shasta and Gunnar looked from side to side and Morgan shook his head until his ears flopped.
A past PHS board member donated to name the dogcatcher Steve. Readers can see the real Steve in action with KTLA's Gayle Anderson here. PHS serves Pasadena, La Canada Flintridge and six other cities. It has a mobile unit that takes dogs out into the community to promote pet adoption; Tournament of Roses Examiner spoke with volunteers in 2011 and 2013.
Flowers used included 16,000 chrysanthemums, 1,200 button chrysanthemums, 5,000 roses, 4,000 carnations, 2,000 iris, 700 gerbera and 700 exotics. Other details are in the captions to the photos in the attached slideshow.
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Columnists are not notified of comments via Disqus, so if you have a question or would like a reply to your comment, please post on Facebook at All Things Rose Parade or email firstname.lastname@example.com. The theme of the 125th Rose Parade and 100th Rose Bowl Game on Wednesday, Jan.1, 2014 was "Dreams Come True." Subscribe to Tournament of Roses Examiner by clicking the "Subscribe" link for the latest news and for upcoming announcements.
Suggested Links
- La Canada Flintridge "if pigs could fly" takes 2012 Bob Hope Rose Parade trophy
- La Canada Flintridge float receives $5,000 from Wells Fargo after theft
- 'Dino-Soar' wins 2013 Rose Parade Animation Trophy for La Cañada Flintridge
- Rose Parade 101: Design a float for the 2015 Tournament of Roses parade
- 2015 Rose Parade theme: 'Inspiring Stories' announced by Pres. Richard L. Chinen


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ZF Marine announced the following personnel changes to their North American distribution organization:
Maritime Today
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Ejner Bonderup, Executive Vice President and member of the Executive Management in Dampskibsselskabet NORDEN A/S, has resigned from his position to take up a position in another shipping company.
The Baltic Exchange's main sea freight index, tracking rates for ships carrying dry bulk commodities, continued its rise on Friday, for an eighth consecutive session,
MidEast rates slip from two-week high on June 28; raft of new ships and repaired vessels weigh on rates.
Freight rates for very large crude carriers (VLCCs)


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New rules being proposed by Chico's police chief would limit the time in which restaurants and bars can serve alcohol and for how much.
The restrictions range from cutting off 'happy hour' to limits on public advertisements for alcohol.
Those ideas were discussed at a meeting on Tuesday morning with bar, restaurant and liquor store owners. Police Chief Kirk Trostle said the proposals would help change Chico's "party town" image.
It was a packed house on Tuesday morning inside one of the conference rooms at the City Council Chambers and one of the many topics of discussion whether to stop serving alcohol at 11 p.m. and cutting off happy hour.
"I just want to be able to bring my family down here and I want the downtown businesses to be safe and what we know, is that if there are more alcohol outlets, it's not safe," said Amanda Montgomery, who supports the new ideas.
The proposals, if eventually adopted, would only apply to new alcohol licenses or license transfers for bar and restaurant owners. Bars already around town wouldn't have to comply. Trostle got these ideas from other communities that have dealt with the same drinking problem.
"We just need to look at their practices and apply them to Chico," said Trostle.
Trostle said his department spends roughly $1.5 million a year dealing with alcohol-related issues in the south campus neighborhood and in downtown, sometimes bringing in every officer on duty to those areas.
"There has been that occasion," said Trostle. "It's more frequently than not where we use all of the police resources during that time frame to deal with the debauchery that happens in that area."
For some, this is poses a huge issue, like Will Brady, who is planning to open a restaurant in downtown. He has already put hundreds of thousands of dollars in, but he made that investment assuming he could get a liquor license under current rules.
"I'm willing to compromise," said Brady. "I see what the chief is trying to do and I kind of endorse a lot of what he's doing."
Brady already owns the popular restaurant The Banshee and though he agrees excessive drinking needs to stop, he does not think this is the right approach.
"Alcohol, probably not so much," said Brady. "That should not be the driver. I mean I don't think people go to places or a restaurant for the cheap alcohol special."
These ideas will make their way to the city council next week for discussion.


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How Long Does It Take To Detox Your Body From MeatPosted on 2014/01/01 by Jacqualine
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TC TO A. J. SCOTT ; 25 May 1856; DOI: 10.1215/lt-18560525-TC-AJS-01; CL 31: 101-102
Chelsea, 25 May, 1856—
Dear Scott,
I am very sorry I can be of no help in this matter. Two Candidates have already applied to me; and I have undertaken to say nothing whatever;—which indeed was my only clear course in regard to such an "Art" as that of Logic.1
I adhere to what I wrote long since about you,—believing that it was my true opinion then, tho' I have quite forgotten the terms of it;—but on this subject I must not write.2
What my wishes are, it is of no use stating. I believe, whatever I may think of the "Art" in question, you surely would do more good in treating it than either of the Two I allude to.
In great haste (not to lose a post)3
Yours with many kind regards T. Carlyle 4
View larger version:
[in a new window]
"The Fireworks in the Green-Park: The Grand Finale." The Peace Celebrations.
Reproduced from Illustrated London News, 7 June 1856.


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UPDATE 12/28/2013 – Note: before resetting iCloud, sign out and sign back in. This is a quick fix for Photos not downloading to a computer with the iCloud app.
May 5/16/2012 – Icloud Photostream stopped working on my Dell desktop, Dell Laptop and my wife's Toshiba laptop. It was still working on my Mac Air and iPad. To fix the issue with the PC's I reset my Photostream. During this time the iCloud app on the three PC's froze when trying to launch Photostream options.
iOS6 Log into the iCloud web page, click on your name, then click advanced. From here you can reset your Photostream. Pictures taken between 5/16 and 6/1 did not come through. My next picture taken on my iPhone did.
EDIT for iOS7 click your name and then click Account Settings. Then click Reset Documents and Data. I have not needed to do this.
It is possible an IOS update caused the issue. I am not that concerned why it failed. iCloud is new and I expect it be initially buggy. Photostream is the only iCloud service I use.


text:
More New and Used
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The Legacy of Tril: Soulbound
ISBN13:by Brewer, Heather
Questions About This Book?
What version or edition is this?
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- The New copy of this book will include any supplemental materials advertised. Please check the title of the book to determine if it should include any CDs, lab manuals, study guides, etc.
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A brand-new fantasy with a kick-butt heroine from the author of The Chronicles of Vladimir Tod Tril is a world where Barrons and Healers are Bound to each other: Barrons fight and Healers cure their Barrons' wounds in the ongoing war with the evil Graplar King. Seventeen-year-old Kaya was born a Healer, but she wants to fight. In Tril, and at Shadow Academy, where she is sent to learn to heal, it is against Protocol for Healers to fight. So Kaya must learn in secret. Enter two young men: One charming, rule-following Barron who becomes Bound to Kaya and whose life she must protect at all costs. And one with a mysterious past who seems bent on making Kaya's life as difficult as possible. Kaya asks both to train her, but only one will, and the consequences will change their lives forever. Heather Brewer has created a thrilling, action-packed, and romantic first installment of the Legacy of Tril series, where one strong heroine must break the rules to claim her destiny and her heart.
Author Biography
Heather Brewer is the New York Times bestselling author of the Chronicles of Vladimir Tod series. She doesn't believe in happy endings, unless they involve blood. Ms. Brewer lives in St. Louis, Missouri, with her husband and two children.


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College Hockey:Saints win third straight on Flanagan's OT goal
HAMDEN, Conn. — The St. Lawrence Saints continued their winning ways on Saturday afternoon with a 1-0 overtime win over Quinnipiac. The win is the third in a row for the Saints, while Quinnipiac is looking for their first win since the first of the month.
Both teams were kept off the scoreboard for the first 62 minutes of the game until SLU's Kyle Flanagan rushed into the QU zone in the extra frame. Flanagan ripped a shot that was blocked down in the slot, but he grabbed the loose puck and looped around to the left of the net. Bobcats goaltender Eric Hartzell dove to get back to the right, but Flanagan beat him to the post on the wraparound to sneak the puck just past the sprawling attempt from Hartzell.
"I took a shot that got blocked, but [Hartzell] had to respect the post and he came out," said Flanagan. "I was able to bring it around and stuff it, just hoping that he wasn't going to be back in the net by the time I was coming around."
The play was immediately called for review, but Hartzell wasted no time skating off the ice.
"I reached out with my glove and it just nicked my glove, and unfortunately I saw it go in the net so I knew when they went to the replay booth it was going to be a goal."
For the second straight game, the Bobcats had their chances throughout regulation, but they couldn't finish their shots.
"The puck just would not go in the net for us," Quinnipiac coach Rand Pecknold said. "A little bit of it was our shot selection. We didn't do a very good job screening the goaltender. It was a poor effort on the screen and a poor effort on the jumping of loose pucks."
On the weekend series, Quinnipiac took a total of 77 shots, but only cashed in on one.
"It was frustrating tonight that it was right there in front of us and we just couldn't go and get it," said Pecknold.
"We've lost our focus a little bit. Our guys know it takes four or five chances before you score a goal and for whatever reason we lost that a little bit. It won't be hard to get it back, but we need to work on it."
One of the best chances on the night for Quinnipiac came just two minutes into the second period when Scott Zurevinski rang one off the left post from inside the right circle.
For the remainder of the night, SLU's defense and the strong effort from sophomore Matt Weninger between the pipes was enough to hold the Bobcats scoreless.
Weninger finished the night with 33 saves for his second shutout of the season.
"We had tough schedule before ECAC play and a lot of our losses came from top 10 teams," said Saints' coach Mike Hurlbut. "I think a lot of people looked at that and wrote us off right away. We have a lot of faith in ourselves and in our players, and a lot of confidence in each other to just get better every game.
"We're getting better every day. Our guys are believing in the systems and working hard. We've had a lot of work to do and we still have more to do."
The following is a self-policing forum for discussing views on this story. Comments that are derogatory, make personal attacks, are abusive, or contain profanity or racism will be removed at our discretion. USCHO.com is not responsible for comments posted by users. Please report any inappropriate or offensive comments by clicking the "Flag" link next to that comment in order to alert the moderator.
Please also keep "woofing," taunting, and otherwise unsportsmanlike behavior to a minimum. Your posts will more than likely be deleted, and worse yet, you reflect badly on yourself, your favorite team and your conference.


text:
Permanent URL to this publication: http://dx.doi.org/10.5167/uzh-62200
Hacke, Daniela (2007). Church, space and conflict: religious coexistence and political communication in seventeenth-century Switzerland. German history, 25(3):285-312.
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This article sets out to explore how a local quarrel in the Grafschaft of Baden, a bi-confessional Swiss county, occasioned by efforts to install a separate font for Protestant parishioners, activated larger constitutional and confessional tensions between the Catholic and Protestant cantons of the Swiss Confederation. The article reconstructs the lengthy political negotiations caused by the rearrangement of church space since the Landfrieden of 1531: this treaty had enshrined bi-confessionalism in the Swiss Confederation and had established the duties and rights of both confessions, although to the disadvantage of the Reformed Protestants. It had also transformed the consecrated space of the church into a stage for political action by the cantons. From 1531 onwards, changes in religious belief and observance were subject to the will of the supreme governing authority. The article shows that local conflicts over the arrangement and furnishing of certain church spaces can give us fascinating insights into political practice, the establishment of social order and the handling of denominational differences within the Swiss Confederation. It attempts to contribute to our understanding of early modern political history by using concepts from cultural history and communication theory in which politics is closely linked to social and confessional processes generating meaning and order.
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|Communities & Collections:
|06 Faculty of Arts > Institute of History
|Dewey Decimal Classification:
|900 History
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|05 Apr 2016 15:48
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Getting here is also fast and convenient! Only 11 miles from the Charlotte Douglas International Airport that means you'll spend less time in traffic and more time enjoying Charlotte. There is easy access to Interstate 77, Interstate 485, and also minutes from Interstate 85. Whether you're coming to Charlotte for business or just for fun your room is your personal retreat. You'll have room to work, relax and make the most of your day. Amenities such as high-speed Internet, work center, plush towels and luxurious bedding mean every night is a great night and every day starts right with our delicious hot breakfast. You can take a dip in our pool, relax in our well-appointed atrium and when it's time to dine you can enjoy a dining adventure at a number of local favorites. While here on business, consider our facilities offering a Business Center and two meeting rooms with free Wi-Fi access, fax, copy and print support. The best of Charlotte is waiting for you at the Holiday Inn Express Charlotte North.
Quality Excellence Award
Second only to the Torchbearer Awards, The Quality Excellence Awards are created to honor hotels who have maintained high standards in product quality, hotel operation and customer satisfaction as measured by our guests
Torchbearer Award
The Torchbearer Award is given to hotels that have achieved the highest level of excellence in all aspects of operations - from quality to customer satisfaction. Created to honor the best of the best as measured by our guests, this award is presented to hotels that raise the bar even further. These outstanding hotels "carry our torch", and represent the highest achievement in quality and service.
IHG® Rewards Club Excellence Award
Service above and beyond the call of duty is a matter of pride to the IHG® Rewards Club family of brands. The IHG® Rewards Club Excellence Award is significant because the award recognizes hotels that are consistently delivering benefits and recognition to our top customers - IHG® Rewards Club members.


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"Real Housewives of Beverly Hills" star, Brandi Glanville, will be joining another show on major network. The opinionated and outspoken cast member of "RHOBH" will still remain on the reality show aired by Bravo, but Glanville will appear on Donald Trump's "Celebrity Apprentice" season 14.
Us Weekly reports March 15 that celebrities well-known for their dramatic and flamboyant personalities will come together on the next airing of "Celebrity Apprentice" later this year.
Brandi Glanville isn't the only "Real Housewives" star to compete on Trump's reality show. "Real Housewives of Atlanta," star Kenya Moore, will be on the roster as well. How will these two women with such strong personalities fair on the show with everyone -- and each other?
Glanville is always keeping the pot stirred up and calls out whatever pops into her mind. She admits that her mouth can really get her into trouble -- especially when she's drinking! The "RHOBH" star may not have much alcohol around during serious charity competitions, however. Who knows, she might surprise everyone on "Celebrity Apprentice" season 14!
Copyright © 2014 Heather Tooley
Heather focuses on trending news and entertainment headlines. To read more from this writer, her Twitter page is @HotTopicWriter or hit "Subscribe."


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Show All Answers
1111 Stedman St. Ketchikan, AK 99901
Or call us at 907-228--6660
Please note that if you live in a rental, you will need your landlord's approval for a new pet before your application is approved. You may have your landlord call the shelter, or have your landlord write a letter stating that you have approval to acquire a new pet.If you own your home, we will verify that you are the owner.
Once your application has been approved, the shelter requires payment in full prior to processing the adoption. We can accept payment by cash or check or credit card. The shelter does not "hold" animal - adoptions are on a first-come, first-served basis. All cats and dogs that are adopted from the shelter must be spayed / neutered prior to going to their new homes. If the pet you are interested in was previously spayed / neutered, it can go home right away. If the pet you are interested in has not already been spayed / neutered, you will have to wait until your new friend has had her/his surgery. Pets cannot be scheduled for surgery until payment has been received and the adoption has been processed. You may visit a pet you have adopted at the shelter during business hours as often as you would like until you take your pet home. For more information visit the animal protection section.
For clarification of our adoption policies, please contact the shelter at 907-228-6660.
Check with staff to handle an animal.
Borough Assembly - 2 seats for 3-year termsBorough School Board - 3 seats for 3-year terms
Senior Citizen Exemption - March 31
Disabled Veteran Exemption - July 1
Low Income Housing Tax Credit - May 15
Economic Development - January 31
You will need to speak with someone in the Assessment department for more information on these types of exemptions.
The Gateway Aquatic Center is open:Monday - Friday 5am-8:15pmSaturday 7am-5pmSunday 11am-5pm
Parks & Recreation is always closed on the following holidays:New Years Day (January 1)Memorial Day (Last Monday in May)Independence Day (July 4)Labor Day (First Monday in September)Thanksgiving (Fourth Thursday in November)Christmas Day (December 25)
Patrons not meeting these requirements MUST be accompanied at all times and in the direct supervision (within arms length) of another person 14 years of age or older.
Pregnant women and any person with a heart condition or back trouble should not ride the slides. Rider assumes all risk of injury due to misuse of this slide or failure to follow these rules.
Only one rider allowed on the slide at a time. Absolutely no trains or chains of riders permitted. Children may not ride in the laps of adults.
There is no masks, goggles, clothing with metal elements, floatation devices, water wings, water socks or shoes allowed on the slides.
Foreign object are not allowed in pockets and no jewelry may be worn while riding the slides.
Click here for a complete list of pool and slide rules.
a. Prior to the commencement of new construction, the erection, assemblage, or placement of a structure and/or appurtenances on a property except as specified in subsection (b)(4) of this section.
b. Prior to the commencement of an enlargement of enclosed space or the alteration, movement, or conversion of any existing structure and/or appurtenance, except as specified in subsection (b)(4) of this section.
c. Prior to the initiation of a new use or addition of a new activity that may be subject to different development requirements or lot development standards.
d. In order to utilize a variance in accordance with KGBC 18.150.020(f)(5) and 18.150.030(f)(6) and/or a conditional use permit in accordance with KGBC 18.155.110, that have been granted by the planning commission.
2) Exception:
a. Structures 120 square feet or less
b. Decks under 30 inches in height
1. An application for a sign permit.2. A drawing or illustration of the sign with dimensions provided as well as the sign material.3. A simple site plan showing the location of the sign on the property.4. If the sign is freestanding, an elevation of the sign must be provided showing the height of the sign from the adjacent grade.


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In the midst of endless Mommy Wars, add homeschooling methods as fuel to the fire. A major perk of homeschooling is to tailor an education to each child, to provide them with exactly what they need in order to learn. Whatever manner best meets their educational needs, should be the go-to course of action. Yet, in this never-ending battle of competition, homeschooling parents are judged based on what materials they choose to use for home education.
It begins at birth with the litany of questions from the cashier at the local market to the nosy neighbor down the street. Breastfed or bottle fed? Cloth diapers or disposables? Pacifier or none? Cry it out or attachment parenting? It doesn't stop there; in fact, it doesn't ever really end. Typically, if the response to the questions about school are answered with "We homeschool," then the inquisition, er, conversation, grinds to a halt--unless the question is asked by another homeschool family.
Then, the rapid fire begins. "Which language arts program do you use?" "You use that for math?" "Have you ever tried [insert big name box curriculum company here]?" "A computer-based curriculum? I could never sit my son in front of the computer all day." Suddenly, the wish to travel back in time to retract the statement regarding homeschooling comes to mind in order to avoid the firing squad.
In the end, however, it is no one's business what one family chooses to use (well, the state, perhaps, in accordance with homeschooling laws). Choose a curriculum that arrives in one big box filled with workbooks, textbooks, supplies, and writing utensils with every lesson planned. Choose to write curriculum from scratch. Find a middle ground that is most suited to the children at home. At the end of the day, isn't it about what works for each individual family? Then again, the constant fight to determine who is right won't ever end, rather just shift its focus. In the meantime, use what works and ditch the naysayers.


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The first week of fashion month feels a lot like the first day of school. Everyone breaks out their best outfit they've secretly been planning for weeks, and making sure you have the latest bags and shoes is equivalent to having the coolest new notebooks and fancy pencil cases. Lucky for you (and us), we're giving you a front row seat to fashion shows and loads of street style – you can ogle beautiful NYFW collections and accessories all via Instagram on both PurseBlog and TalkShoes. (And here, of course – we'll have coverage of all the most important Spring 2014 shoe collections!)
With all the amazing fashion, we were inspired to round up some of the shoes we wish we were wearing this Fashion Week. We picked out some high heels, but a full day of shows will really give your feet a workout, so we've included some badass boots and shorter heels for comfort.


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18(1)Article 75 (Assembly etc. control of regulations) is amended as follows.E+W+S+N.I.
(2)In paragraph (1), for "The regulations to which this paragraph applies" substitute " Where regulations specified in paragraph (2) are made by the Department, they ".
(3)After that paragraph insert—
"(1A)Where regulations specified in paragraph (2) fall to be made by the Treasury or the Commissioners of Inland Revenue they shall not be made unless a draft of the instrument containing them has been laid before Parliament and approved by a resolution of each House of Parliament."
(4)In paragraph (2), for "Paragraph (1) applies to" substitute " The regulations specified in this paragraph are ".
(5)In paragraph (3), for "to which paragraph (1) applies" substitute " specified in paragraph (2) ".
(6)After that paragraph insert—
"(3A)Regulations made under this Order by the Treasury or the Commissioners of Inland Revenue, other than regulations specified in paragraph (2), shall be subject to annulment in pursuance of a resolution of either House of Parliament."


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Pepsi is giving away $1.3 million each month to fund great ideas to "refresh the world" submitted by everyday people during 2010. The Pepsi Refresh Project began in February and has already funded 96 ideas that received the most number of online votes each month totaling more than $4.1 million. Two Montessori based project ideas are currently competing for June funding from Pepsi Refresh.
How does it work?
Funding ideas are divided into five categories: Health, Arts and Culture, Food and Shelter, The Planet, Neighborhoods and Education and four dollar amounts: $5,000, $25,000, $50,000 and $250,000. Each month Pepsi will accept around 1000 refresh project ideas, have online voting open until the last day of the month and then award grant money to the ten highest vote getting ideas in each category.
For the month of June, two Pepsi Refresh Project ideas that feature Montessori ideals need support from Montessori community via online voting. Voting is open until June 30, 2010.
Children's House Montessori of Weld County has submitted a $50,000 grant request to purchase new equipment and materials and support tuition scholarships for the 2010-2011 school year. To receive funding, the idea must finish in the top ten in its' category. The Children's House Montessori Education, Excellence and Enhancement Grant is currently ranked 24th. Click here to vote.
Brigit's Bounty is a program that has established organic community gardens that invite hundreds of Montessori and public school children every month to plant, water, weed and tend the vegetables in a natural outdoor environment. Harvests are then donated to food banks, schools and the community. Brigit's Bounty is requesting a grant for $25,000 in order to increase their growing spaces and children's garden areas and to purchase a tractor and gardening materials. Brigit's Bounty's Pepsi Refresh Project idea is currently ranked 19th. Click here to vote.
How can you submit your own Montessori grant request?
The Pepsi Refresh Project is looking for "people, businesses, and non-profits with ideas that will have a positive impact. Look around your community and think about how you want to change it". Every teacher,school administrator and parent in the Montessori community can use this opportunity to join together and help each other succeed and promote Montessori education. How many Montessori teachers and students in the Chicago area have world changing project ideas that need outside funding in order to move forward? With school budgets being stretched to their limits, here is an amazing opportunity for a real world application of Montessori cooperation and community.
Click here to download a toolkit to learn how to submit an idea to the Pepsi Refresh Project.
To automatically receive future Montessori news click on Subscribe at the top of this article.


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According to NewsOne on Wednesday, Rev. Jamal H. Bryant, 43, pastor of Empowerment Temple AME Church in Baltimore, Maryland is coming under fire by some for parts of a sermon he preached last Sunday. He has taken to Twitter to defend what he said, but not before he has been criticized for some of the things he said about women.
It has been reported by several sources that during a sermon full of homophobia, sexism and misogyny, Pastor Bryant told his congregation how he really feels about some women. He said, "These hoes ain't loyal!" as he used the words from Chris Brown's song by the same title to express his feelings. He is said to have roared from the pulpit speaking derogatory words of the song while adding his own commentary to it. As he stomped and raised his voice, the congregation went wild in agreement.
If you view the short video above, you will hear Bryant raising his voice to say, "Old saints, y'all forgive me, but I gotta tell you. These hoes ain't loyal!" Jamal took to his Twitter to defend his words. He says, "Don't critique a quote when you never heard message. 20 seconds of a 30 minute message is an incomplete assessment." That might be true, but if what he was about to say was acceptable, why did he preference it by asking the older people to forgive him in advance?
Many people have found fault with the man of God referring to women from the pulpit as "hoes" as part of his message. For any reader who doesn't know what a "hoe" is in reference to a woman, it is a negative term which is a shortened form and slang for the word "whore." Some people are frowning about the pastor's choice of words during his sermon, and they wonder why so many women in the congregation responded in agreement.
It is reported that Bryant went on and on by using other names for women such as "baby mamas" and "sanctified sissies." This is not exactly something one would expect a pastor to be preaching.


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Uncommon Experience. Unexpected Price. The SX240 High Output delivers an unequalled family boating experience. Powered by quiet, clean and fuel-efficient twin High Performance 1.8 liter engines, the SX240 is a powerful platform for a memorable day on the water. With a long list of standard features and industry-leading innovations, only Yamaha offers this much performance in a 24-foot boat for thousands less the competition.
Have a question about the 2012 Yamaha Boats 24FT SX240 High Output?


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College Hockey:Michigan State Upends No. 9 Ferris State
Fretter Scores Two In Spartan Win
BIG RAPIDS, Mich. — It was a battle for respectability.
Ferris State has been fighting for it all season, and Michigan State is battling just to get it back. Friday night belonged to the Spartans, who defeated the Bulldogs 6-2 in front of a hostile crowd at Ewigleben Arena.
The first period was dominated by defense as both teams felt each other out. The referees were content to let the teams play and to keep the whistles put away. Michigan State get more quality chances, but Ferris goaltender Mike Brown was on his game, meaning that it wasn't until 19:49 that Fretter scored his first goal of the season.
Brock Radunske skated behind the net and centered the puck to Fretter, who tapped the puck past Brown to take the lead 1-0.
Michigan State dominated the second period by taking advantage of Bulldog defensive mistakes. Fretter scored his second of the night at 1:53 on a two-on-one opportunity off a beautiful pass by Joe Markusen to make it 2-0.
Kevin Estrada tallied another goal at 5:17 by deflecting a shot from Duncan Keith to make it 3-0, and Brad Fast extended the lead 4-0 on another two-on-one at 10:25 as he picked the far side of the net with a wrist shot.
A Ferris State timeout gave the bulldogs life. Trevor Large shot a puck that goaltender Matt Migliaccio saved, but Mike Kinnie backhanded it upstairs at 12:02 to get Ferris on the board.
The momentum from that goal was short-lived, though, as the Bulldog defense kept pinching and Michigan State got another two-on-one. At 18:37, Mike Lalonde took the pass from Jim Slater and wristed the puck upstairs to reestablish the Spartans' four-goal lead.
The third period was the most physical as the Bulldogs expressed their frustration by taking the body. Michigan State was happy to return the favor, and David Boothe then scored on a wrist shot from just past the blue line at 6:35 to make it 6-1.
Ferris' Jeff Legue scored a power-play goal at 9:44, but by then the game was over.
Ferris State travels to Michigan State on Saturday to complete the home-and-home series.
The following is a self-policing forum for discussing views on this story. Comments that are derogatory, make personal attacks, are abusive, or contain profanity or racism will be removed at our discretion. USCHO.com is not responsible for comments posted by users. Please report any inappropriate or offensive comments by clicking the "Flag" link next to that comment in order to alert the moderator.
Please also keep "woofing," taunting, and otherwise unsportsmanlike behavior to a minimum. Your posts will more than likely be deleted, and worse yet, you reflect badly on yourself, your favorite team and your conference.


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Similarly, a high-level military intelligence officer says that his unit – tasked with tracking Bin Laden prior to 9/11 – was pulled off the task, and there warnings that the World Trade Center and Pentagon were being targeted were ignored.
Moreover, he says that he has information that can shed light on 9/11, and that he has repeatedly tried to get this information to the Obama administration and Congress, but that no one in the administration or Congress wants to hear about it. As just one example, Nancy Pelosi's office demanded that he not even email any information which he has about 9/11.
High-Level Officials Eager to Spill the Beans About What REALLY Happened on 9/11 … But No One In Washington or the Media Wants to Hear
Similarly, a high-level military intelligence officer says that his unit – tasked with tracking Bin Laden prior to 9/11 – was pulled off the task, and there warnings that the World Trade Center and Pentagon were being targeted were ignored.
9/11 - 10 Years Later - Video
Eight months before the September 11, 2001 attacks, Lyndon LaRouche forecast that the United States was at high risk for a Reichstag Fire event, an event that would allow those in power to manage through dictatorial means an economic and social crisis that they were otherwise incompetent to handle. We are presently living in the unbroken wake of that history.
After 9/11, Perry's Texas Wasted Homeland Security Money On Sports Cars, Neckties, And A Hog Catcher
Fort Worth Star-Telegram examination of thousands of purchases also found a a $21 fish tank in Seguin, a $24,000 latrine on wheels in Fort Worth, and a real pork project — a hog catcher in Liberty County.
The audit concluded that Texas passed on Homeland Security funds to local governments "without adequately defined goals and objectives to strengthen preparedness and response to attacks or disasters." Instead of monitoring how local officials were performing their responsibilities, the state asked them to rate their own performance. Predictably, without oversight from the state government, local officials used the money as they saw fit — which included expenses that had nothing to do with making citizens safer.
Exclusive: National Archives sits on 9/11 Commission records
Ten years after al Qaeda's attack on the United States, the vast majority of the 9/11 Commission's investigative records remain sealed at the National Archives in Washington, even though the commission had directed the archives to make most of the material public in 2009, Reuters has learned.
The National Archives' failure to release the material presents a hurdle for historians and others seeking to plumb one of the most dramatic events in modern American history.
9/11 and Israel: Alan Sabrosky's (former director of studies at the US Army War College) Shocking Press TV Interview
This week, Dr. Alan Sabrosky, Managing Editor at Veterans Today, was interviewed on 9/11 and Israel's involvement and their influence in American affairs.
The case made is a case that will stand up in a court of law, a case not contrived for entertainment, for propaganda or for an emotional "fix," feeding hate, prejudice or the desire by some for conspiracies to fill the void of a life bereft of meaning.
FBI probe into Sarasota home's link to 9/11 hijackers wasn't reported to Congress, commission
Just two weeks before the 9/11 hijackers slammed into the Pentagon and World Trade Center, members of a Saudi family abruptly vacated their luxury home near Sarasota, Fla., leaving a brand new car in the driveway, a refrigerator full of food, fruit on the counter — and an open safe in a master bedroom.
In the weeks to follow, law enforcement agents not only discovered the home was visited by vehicles used by the hijackers, but also phone calls were linked between the home and those who carried out the death flights — including leader Mohamed Atta — in discoveries never before revealed to the public.
How Little We Know About the Origins of 9/11
For a decade, the main questions about 9/11 have gone unanswered while the alleged perpetrators who survived the attacks have never been publicly cross-examined as to their methods and motives.
It is not conspiratorial but rather obviously plausible to suggest that they have been kept out of sight because legal due process, constitutionally guaranteed to even the most heinous of criminals, might provide information that our government would find embarrassing.
More Articles...
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Sub-Categories: Astronomy Trivia, Biology Trivia, Chemistry Trivia
General Science Trivia Questions:
1) When was the idea of the atom first introduced?
Choose Your Answer: A: 450 B.C., B: 1050, C: 1791, D: 1942
2) In 2004, what was discovered on the island of Flores in Indonesia?
Choose Your Answer: A: A living dinosaur, B: Remains of a hobbit-sized human species, C: A tribe whose members commonly live over 150 years, D: A plant with a mammal-like brain
3) An earthquake that measures 8 on the Richter Scale would be how many times stronger than an earthquake that measures 4 on the same scale?
Choose Your Answer: A: 2 times stronger, B: 4 times stronger, C: 1000 times stronger, D: 10,000 times stronger
4) What is the gestation period of an Hippopotamus?
Choose Your Answer: A: 4 months, B: 8 months, C: 12 months, D: 16 months
5) What physicist discovered that a wave's frequency changes when the source and the observer are in motion relative to one another?
Choose Your Answer: A: Max Planck, B: Christian Doppler, C: Enrico Fermi, D: Albert Einstein
6) In what type of matter are atoms most tightly packed?
Choose Your Answer: A: Solids, B: Liquids, C: Gases, D: All are the same
7) Which of the following means "rain" when added to a cloud's name?
Choose Your Answer: A: Alto, B: Nimbus, C: Strato, D: Cirrus
8) What is the longest river in the world?
Choose Your Answer: A: Amazon, B: Nile, C: Congo, D: Chang Jiang
9) How many brains did a Stegosaurus have?
Choose Your Answer: A: One, B: Two, C: Three, D: None
10) What instrument is used to measure wind speed?
Choose Your Answer: A: Anemometer, B: Barometer, C: Altimeter, D: Fanometer
Back to Trivia Index
Home | Free Tarot Reading | Biographies | Quotations | Poetry | Links


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The Crunchy Diva found this lamp at her local thrift shop. She didn't exactly dig the brassy finish, but she loved the curvy lines. She hoped a pretty paint color would make a difference.
And it did! A vibrant change of color gave a formerly frumpy find a fresh and fabulous new vibe. I adore the fun turquoise color shew chose. Paired with a new, white shade this lamp is a real showstopper!
Click over to read all The Crunchy Diva's tricks for painting lamps (and chandeliers!).


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USF Finishes 6th in NSIC All-Sports Standings
The University of Sioux Falls finished sixth in the final 2012-13 Northern Sun Intercollegiate Conference (NSIC)/U.S. Bank All-Sports Award standings. Minnesota State tallied 190 points to beat out runner-up Augustana College and the rest of the league to win the title.
Minnesota State won six regular season titles during the 2012-13 season, including football, women's soccer, men's basketball, men's indoor track & field, men's outdoor track & field and tied for the softball title.
The Cougars totaled 106 points for an average of 6.6 points per sport. USF had a third-place finish in men's golf, men's cross country and women's indoor track and field, fourth in football, women's golf, men's indoor track and field and both men's and women's outdoor track and field, sixth in women's cross country, eighth in women's tennis, ninth in baseball, twelfth in men's and women's basketball, thirteenth in softball and volleyball and sixteenth in women's soccer.
The winner of each title in a conference-sponsored championship receives points totaling the number of teams in that sport plus one. The next place finisher receives points totaling the number of teams less the number of places from first place. Ties in the standings at any level result in the totaling of points and distributed equally. Indoor and outdoor track & field are computed at half the total points as listed in the previous mentioned categories.


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Although familiar with the Seaport area of Boston and its flourishing restaurant scene, I was a newbie to the nearby Fort Point neighborhood, where Pastoral recently opened its doors. Literally.
We parked, and then walked to 345 Congress St., past crowds of 20- and 30-somethings hanging out at a few bars along the way. We could see perfectly because these old buildings have garage-type doors that lift open to expose a welcoming atmosphere, weather-permitting. Fortunately, the weather was wonderful when we arrived to the open space entrance to the bustling bar at Pastoral. But wait, I wanted to enter in the actual restaurant entrance, where families and couples head after a day spent at the Children's Museum, or simply head for a night out indulging on dishes they couldn't possibly get anywhere else in town.
Yes, that's what Pastoral is all about: a large industrial space with exposed beams and kitchen with a 900-plus degree wood-fired oven from Naples that weighs three tons and is made from stone and sand from Mt. Vesuvius. It also cooks Clams Vongole, Spinach & Fontina, and Duck Sausage artisan pizzas in 90 seconds flat. The spring special is an uncured proscuitto pizza worth ordering. The menu is all about European farmland dishes and reminds me of days spent in Southwest France in the land where cassoulet was discovered, as well as Tuscany. Peasant food, yes, but delicious nonetheless. Off the hook, really.
In fact, Pastoral Owner/Chef Todd Winer has recently been certified by the VPN (Associazione Verace Pizza Napoletana) as an official Pizzaiolo.Winer has decades of experience being at the helm of some of the county's most recognizable restaurants including Boulevard in California, Charlie Palmer in NYC, Bobby Flay in NYC, the Metropolitan Restaurant Group in Boston, as well as holding the post of Executive Chef at several of Todd English's restaurants across the world.
OK, so my first impression was that it was loud in the dining area, but the ambiance was really intriguing, especially the distressed window panes that connected to make a wall separating the bar scene. The artwork along the wall space is from Fort Point artists and for sale. Once the music was turned down a bit, I was able to hear our amazing waitress explain the cocktails and menu items at length.
Given that I felt like a walk through Europe's countryside, I ordered an Italian negroni di spagliato (Prosecco/campari/torrino) and it brought me right back to Italy. The duck sausage pizza was a great share item for our table, and it arrived pretty quickly (they can make 77 pizzas every 15 minutes in that oven). But wait! What is this? A wood-fired garlic knot...oh yes. And it was ordered with a salad to share. Once it arrived, we split the garlicky concoction of knotted dough that sat in a base of olive oil and was topped with Parmesan cheese and goodness in abundance of my favorite seasoning, and if I could have, I would have licked that cast-iron plate clean. It was that good.
According to Winer, his menu is all about simple ingredients added to a little fire to make it better. His preparation and plating of the veal and pork pojarski (check out the slide show for an image of this dish) is artful and well thought out, as well as out-of-the-box. It's basically a meatloaf wrapped in cow stomach lining, so if you enjoy tripe, order away! And don't forget about dessert. Using Winer's daughter's recipe, he'll gladly serve warmed chocolate chip cookies to end a perfect evening.
Owned by Chef Todd Winer and industry veteran George Lewis, Pastoral offers an entertaining and interactive dining scene for guests to enjoy delicious quality food and service. Pastoral is open daily for lunch, dinner, Sunday brunch, delivery, late-night dining and takeout. For reservations, visit www.pastoralfortpoint.com. Pastoral is located at 345 Congress Street, Fort Point, Boston, MA. For reservations, call 617-345-0005.


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On this first day of April, TAP welcomes Myke Bates back to the office, with a nod to The Office, directing our once-remote senior web developer to his sweet new super-spacious digs…
On this first day of April, TAP welcomes Myke Bates back to the office, with a nod to The Office, directing our once-remote senior web developer to his sweet new super-spacious digs…
The whole world is watching the Sochi 2014 Winter Olympics. Beyond the competitions and the ceremonies, I think it's always amazing to learn about the behind-the-scenes work that prepares athletes for this moment. Childhood snapshots and B-roll footage reveal the hours (and hours and hours) of practice, along with support from family, friends and fans, which help push Olympians toward victory.
There's also a whole world behind the scenes that's keeping the places and spaces in Sochi clean, to the tune of 30,000 linens, 2,000,000 square feet and 5,000,000 people each day. TAP created this video to show how P&G Professional is there for every moment, making every experience count.
Every year, the good folks at Care to Learn help meet the health, hunger and hygiene needs of students in the Ozarks. As they begin to expand their reach to other regions, Care to Learn wanted to communicate how they work behind-the-scenes every day, making sure the kids who need help feel more like the ones who don't.
Festive feelings from the Marlin Network Weirding Labs, who joyously present this merry mashup of weird wrapping papers. Get your jollies on with Warpping Paper, the give-wrap that keeps on gifting smiles, shrugs and squirms to all who behold it.
TAP is excited to celebrate the Grand Opening of the GuildMaster designer showroom in Springfield. The showroom will be available daily by appointment for interior designers and open to the public once a month, but this weekend you can check out the unique, hand-crafted GuildMaster designs for yourself!
Check today's Springfield News-Leader for more details, or find GuildMaster on Facebook and check back to learn more as their story unfolds.


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Just as Rick "Take No Zombie Prisoners" Grimes returned to form in the last episode of The Walking Dead, zombies returned to downtown Phoenix on April 25, 2014. The Arizona DBacks hosted Zombie Night at Chase Field. This is just the first event planned to satisfy the seemingly endless appetite of people for anything zombie.
At Zombie Night, fans were able to buy a Zombie Survival Kit that included a tee-shirt, a mini-bat, and tattoos. Baseball fans of all ages traded Diamondback baseball caps for bandages, rags, scars, and fake blood. The most amusing costumes were those involving bloodied baseballs embedded in foreheads. Best of all, the DBacks stopped acting like zombies (only one previous home game win), came to life and won the game. The DBacks will attract horror fans again on August 5, when the first 20,000 fans will get a Zombie Bubblehead.
DBack attendees also received the program to Phoenix Comicon 14. This year's event will not be on Memorial Day Weekend, as it normally has been; instead it will be June 5-8, 2014. This will be the 12th Comicon in Phoenix. It has grown from a few hundred people to an expected attendance of over 65,000 this year. Phoenix Comicon is a very family-friendly event with workshops, exhibits, shows, and parties involving anime, comics, science fiction, gaming, television and film. Activities range from Flora & the Penguin for kids to Evening Erotica for over-18's to fun with Adam West, Burt Ward and Julie Newmar from 1960's Batman for baby boomers.
The year winds up with Phoenix hosting Zombie Walk 6, one of the biggest in the country, on October 25, 2014.
Zombies help fill seats at Chase Field and hotels during Phoenix Comicon. Regardless of the motivation for or long-term impact of this zombie obsession on the public, zombies are big business for Phoenix.


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Buzz on the Street: Tesla Is No Longer On Fire
A look back at the happenings on Wall Street this week, as seen by Minyanville's Buzz & Banter.
The Hump Day Cometh! - 9:54 a.m.
Todd Harrison
We've reached the half-way point of this freaky week as global indices "back and fill" recent gains. You know the drill; with mainstay indices up smartly this year--the Dow Jones Industrial Average is up 22%, the S&P is ahead 25% and the NASDAQ is sporting a 30% return--fund managers are 'on edge' with 28 sessions left until the year-end letters are penned.
In recent sessions, we've paid homage to the technical landscape--initial support resides at S&P (INDEXSP:.INX) 1775, with more meaningful supports down at S&P 1730 and NDX (INDEXNASDAQ:NDX) 3255--as we continue to respect the performance anxiety-driven "long squeeze," with the buyers higher and the sellers lower into year-end. Perception is reality in the marketplace and the masses are making the bet that current perception continues to manifest into January.
There are a few caveats as the bulls count their Benjamins. For one, the Investor's Intelligence Weekly Advisor Sentiment finds 53.6% bulls and only 15.5% bears, which is near the prior peak of 55.2% bulls two weeks ago. That dovetails into the VXO chart below, which shows that "fear" is a kitten's whisker away from 25-year support. If the past is a prologue to the future, option hedges and/or stock replacements is emerging as a smart strategy.
Another flag, for those who care of such things, is the price action in high-beta. Tesla, which was king of the world at $190, is suddenly the poster child of ambition gone awry, while other fliers, such as LinkedIn (NYSE:LNKD), Yelp (NYSE:YELP), Chipolte (NYSE:CMG), Netflix (NASDAQ:NFLX) and Facebook (NASDAQ:FB) have been sudden battlegrounds. These names remain a terrific proxy for the aforementioned performance anxiety as they provide the best bang for the buck for those trailing their benchmarks.
On the news front, we'll get the FOMC minutes this afternoon at 2PM ET, which will be dissected in kind. Keep an eye out for any tangible shift in perception; while Mrs. Yellen's Fed prides itself on wearing white feathers (read: remaining dovish), any dissension in the ranks could rattle psychology in kind.
Good luck today; be the ball.
Click to enlarge
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Swap Spreads and IOER - 1:06 p.m.
Michael Sedacca
Yesterday I commented on the collapsing interest rate swap spreads. I've had the conversation with a few more people today and at this point have a pretty good handle on what's going on.
Realized volatility in the Treasury space is collapsing back to a multi-year low again. This is essentially because the market is embracing forward guidance, lower for longer, and allowing the Fed to tell them where rates should and will be. Complacency. So there has been a lot of short covering and new longs added in 2016 or longer Eurodollars, which drives swap spreads tighter. This also explains why the MOVE Index of interest rate volatility is back to the May lows.
I do like the fact that the market is becoming more rational, but I think we passed rational on our way to overtly complacent and that worries me. If and when interest rate vol picks back up, it might not be a pretty sight again.
The leak about the ECB deposit rate cut into the negative is adding more flames to the fire about an IOER cut. In his interview earlier this morning, St. Louis Fed President Bullard mentioned that the cut to the IOER rate has been discussed by the FOMC in the past. To my knowledge, when looking at the cut in early 2012, they found that the costs outweighed the benefits. So let's set sail on the SS Theoretical to analyze some things and how it may affect domestic banks.
I'll give a rundown of what the Interest on Excess Reserves (IOER) rate is. The rate, currently at 25bps, is paid to banks on excess reserves they hold from the Fed. To my understanding, total reserves are calculated as the monetary base minus the value of Federal Reserve notes, and excess takes into account required reserves. As of last June 26, there are $2.04trln of total reserves ($2.5trln as of Nov 13, but I do not have excess for that date), of which $1.92trln are considered "excess". Basically, only 6% of the money the Fed has "printed" is actually being used.
I imagine there is a structural limit to how many of these reserves can be used. For example, to my understanding, the only primary dealer eligible to receive reserves in exchange for Treasuries are those that are commercial banks. So these reserves are going to the likes of Citigroup (NYSE:C), Goldman (NYSE:GS), JPMorgan (NYSE:JPM), etc. These banks can only lend out a certain amount, it's not free money, and affects their leverage ratio. The asset (reserve) is essentially a deposit and must be matched against a liability before being taken onto the balance sheet. Next, you have banks being pressured by all sorts of new regulation to limit their size, so regardless of an IOER cut, they aren't incentivized to take on more loans.
Practically, the IOER rate acts as a ceiling for overnight rates. So if the rate was lowered to 0, that would cause widespread dysfunction in money markets and repo markets. If a money market fund is leveraging bank assets at 0%, they have ZERO incentive to take on that risk. My guess is that they are thinking about lowering it to 10bps because the 5bps rate from the Fixed Rate Reverse Repo Facility acts as the floor. It would then enforce a band of 5bps to 10bps for overnight rates and the Fed Funds rate.
Friday, November 22, 2013
Things Are Looking Better in Biotech - 10:31 a.m.
David Miller
There are a million crosscurrents out there in the Market. Uber-Minyan Jeff Saut, who in the nearly 10 years (!) I've been writing for Minyanville has been right an astoundingly large portion of the time, is warning of weakness next week. Smaller biotech has been gingerly in risk-on mode for most of this week -- to the point where we relaxed our short exposure on the names in which we had nice gains. In my experience, that's usually a coal-mine canary for outperformance by the broader market.
This is a buyer-driven market. When buyers take a vacation -- figuratively or, like next week, literally -- the market drops. There haven't really been many sellers. For the other portfolio managers out there, when was the last time a colleague asked you "So what do you like on the short side?" People simply aren't all that interested in selling. They're cranky when they have to sell.
That sentiment is an incredible tailwind for stocks, for however long it might last.
For those interested in my home sector (biotech), do yourself a favor and pull up separate yearly charts of the NASDAQ Biotech Index (INDEXNASDAQ:NBI) for 2010, 2011, 2012, and 2013. Print them out and line them up one atop the other (I have this hanging on my wall over my desk). You'll see we're pretty much beyond the point of the traditional Fall drop in biotech. Seasonality is less of a headwind. We have the big American Society of Hematology meeting in early December and then all the specialists in my space start positioning their portfolios trying to anticipate which companies will have positive gains heading in and out of our sector's Super Bowl -- The JP Morgan Healthcare Conference in San Francisco January 13-16. That creates buying pressure, macro issues being equal.
I wouldn't be surprised to see a little weakness next week per Mr. Saut's tells, but I think we're on the edge of another upswing in biotech. As Toddo says, we're rapidly closing in on year-end, and I suspect the hot performance in the biotech sector are going to cause portfolio managers at generalist funds to add biotech exposure so they can talk about that in their year-end letters.
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Empowering communities with information to more effectively participate in decision making about their health care is an important component of addressing health disparities. Minority community-based organizations, including faith-based groups, can be effective in conducting campaigns or outreach efforts that are culturally competent. These organizations are also well positioned to build communication networks that aim to reach minority communities. Public health messages must be consistent and credible and must take into account the specific characteristics of the targeted audience.
Take Control of Your Health
The Chronic Disease Self-Management Program (CDSMP) Developed by Stanford University
The Office of Minority and Multicultural Health is proud to promote the Take Control of Your Health Program. This is a fun and practical course that can help people with chronic conditions overcome daily challenges, and maintain an active, fulfilling life.
Community Roundtable Discussion report [pdf 435kb]
The Department of Health recognizes the importance of community input in discussing issues around health disparities and policies that will improve the status of health in our communities. To that end, the Office of Minority and Multicultural Health hosted community roundtables to identify what the community viewed as barriers to living healthy lives and to understand what the community believes is needed to overcome those barriers. These "town-hall" style meetings were held in Newark and Atlantic City.
The community roundtables report tells us that the top areas of concern include:
The community roundtables gave the Department an opportunity to receive feedback from the public and find out what the concerns are and what the solutions might be.
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The Law Offices of Raymond G. Wigell, Ltd. represents clients in greater Chicago land and northwest Indiana, including all of Cook County, Will County, DuPage County and Kankakee County in Illinois, and Lake County and Porter County in Indiana. We defend clients in Chicago, Chicago Heights, Orland Park, Palos Heights, New Lenox, Kankakee, Crown Point, Calumet City, Hammond, Plainfield, Joliet, Lansing, Wheaton, and Frankfort. We represent people in Illinois and Indiana state and federal courts in Chicago, Markham, Bridgeview, Rolling Meadows, Maywood, Skokie, Joliet, Hammond, Kankakee, and Crown Point. Our federal court representation is nationwide and
we have defended clients from Texas, New York, and Los Angeles, California. Site Map
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Deep Dive, Maya Design And Librarian-UX Connections
When I want to share and explain the concepts of design thinking with an audience of librarians I often make use of the video "The Deep Dive." It was originally an episode of Nightline shown in 1991, and it profiles the firm IDEO. In the program the IDEO folks are charged with redesigning a supermarket shopping cart. Watching the IDEO folks, an eclectic mix of professionals, go through the process illustrates the basic concepts of design thinking in very practical ways. I've owned the DVD that I bought from ABC for a few years. But now, thanks to someone who put event online (paying no attention to the FBI warnings about copying the video) you can watch the entire Deep Dive on YouTube. If you haven't seen it, spend 22 minutes watching it (in three parts) before it is taken down.
IDEO is a firm highly associated with design thinking, but there are other design firms that use this technique as well. One is Adaptive Path, and I recommend you follow their blog. A lesser known firm is Maya Design, but they've done some interesting work, particularly their re-design of the interior of the Carnegie Public Library. We featured a designer from Maya on a Blended Librarians Online Community webcast a few years ago. I recently noticed an article about Maya Design in the latest issue of Fast Company that discusses their 3-day design boot camps. Seems they are now teaching others to become design thinkers. Sounds like a program I'd really like to attend.
What also caught my attention this past week was the announcement of two UX-related resources in the library community. One of my favorite events at any ALA conference is the Friday afternoon OCLC Symposium. This year the main speaker is Joseph A. Michelli, Ph.D, (The Starbucks Experience: 5 Principles for Turning Ordinary into Extraordinary) who will "engage the audience in a conversation that explores ways to bring a unique customer experience to the library." I'm already registered and will hear what Michelli has to say about Starbuck's recent challenges and the resiliance of the user experience in a recession. But just the fact that OCLC is turning its attention to UX is interesting to me.
I also came across a slideshow from a presentation by John Blyberg, Darien Library's Assistant Director for Innovation and User Experience, on the topic of user experience design in libraries. If Blyberg is discussing UX in his conference presentations that will help to get more librarians interested in these ideas.
Posted: 18 June, 2009 in Uncategorized.
Comment from Joseph Michelli
Posted: June 20, 2009 at 1:48 pm
Steven, thanks for mentioning my presentation at OCLC. In addition to Starbucks, I will be sharing ideas from Ritz-Carlton (my most recent book is about them). To tie into your pose even further, Ritz-Carlton used IDEO to create "scenography" in the redesign of their hotels. Look forward to meeting you at OCLC.
Pingback from Designing Better Libraries » Introducing Design Thinking To Librarians
Posted: May 11, 2010 at 12:25 pm
[…] was more visual, and would hopefully give a more practical look at the IDEO Method. Having watched The Deep Dive many times and used the full DVD presentation in longer workshops I thought there might be a way to […]


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When emergency strikes, is your budget ready?
Jonas Gunnarsson, Getty Images/iStockphoto
What's it going to be this time? Will the transmission on the Audi go out? Will the company downsize? Will somebody have an accident or a rare disease?
For Miranda Marquit, a freelance journalist in Logan, Utah, it was a basement flood.
These are the unexpected shocks that can devastate income, cash flow and credit scores. And they can happen to anybody in the months and years ahead.
They could happen tomorrow. They may even happen on the way home from work. This is why financial planners, gurus and experts all advise having some sort of emergency fund — money set aside to smooth out the financial bumps that can't be anticipated. But knowing how much is enough to offset the unanticipated and knowing where to keep that money are open for some debate. A study recently published in the Journal of Financial Planning, "Is an all cash emergency fund strategy appropriate for all investors?" has found some new twists that challenge some previous assumptions.
Traditional advice
Leanne Kramer, a certified financial planner and certified investment management analyst in Olympia, Wash., says emergency funds are the way to buy time to find a job when you lose your job. "Hot water heater go kaput the same time your car needs a new head gasket?" she says. "Emergency savings will help you there. It is specifically for the unexpected emergencies that come up. And they do come up."
Kramer also says emergency funds can break the cycle of credit card debt. "If you have a cushion," she says, "you won't need to use a card to pay for the unexpected."
The standard advice for emergency funds is for people to have three to six months' worth of expenses set aside in an easy-to-access fund, such as cash in a savings or checking account. Some experts, such as Kevin Gallegos, vice president of Phoenix, Ariz. operations for Freedom Financial Network, bump it up to six to nine months of living expenses. "While that may sound daunting," Gallegos says, "it is an attainable goal, even in challenging economic circumstances. The key is to start with what's 'just enough.'"
Jacob Sybrowsky, a co-author of the study on emergency fund strategy, says, however, that even though the standard advice of three to six months' expenses isn't based on real science, it is still probably good advice. "I don't want to fight against it for the average family," says Sybrowski, an assistant professor of personal financial planning at Utah Valley University in Orem, Utah. "We definitely advocate a proper emergency fund. But with a little more detail, we can do a lot more."
Part of that detail deals with how much to set aside. Another part looks at where that money should be kept.
How much to set aside
Gallegos says the amount of money to start an emergency fund can be small. "Think about the level of expense that causes you to rush to a credit card," he says. "That is the amount to start with. Have at least that available, and build gradually toward six or more months' living expenses."
Sybrowsky says although an emergency fund may have many uses (such as Marquit's basement flood) some say its primary use is in case of job loss. He says to look at expenses and income and figure out what income needs to be replaced in case of sudden unemployment. Some expenses may drop right away. You don't pay taxes on non-existent income, for example. Vacations may be out.
The time period for those expenses may also vary. In a good economy, it may be three months. During the recession, people averaged a longer time to find a job, so nine months may have been the target.
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Five Ways to De-Stress at M Resort
Traveling can be stressful and part of our commitment to you is to take the stress out of your hotel stay and deliver an exceptional guest experience. Whether it's helping you fit in a great workout, inviting you to unwind with wine, or providing you with a relaxing environment where you can kick up your feet, we've rounded up five ways for you to de-stress at our four-star resort.
M Experience Rooms
These new rooms are designed to deliver rest and relaxation! With features like aromatherapy, mood lighting and a living lavender plant, you'll be on your way to a stress free stay in no time. Plus, when you book these rooms, you're not only getting nice amenities, but stress-free services are included too…like complimentary transportation to and from McCarran International Airport.
Poolside Yoga
Om….doesn't that sounds just instantly make you relax? Strike a pose, or two, with us Wednesday-Friday at our poolside yoga classes. These classes are a great way to focus and recharge before or after a busy day.
Unwind with Wine
Head down to our wine bar Hostile Grape where you have a choice of more than 160 wines by the glass. With special offers throughout the week and live entertainment on Fridays and Saturdays you'll be raising your glass to a stress-free stay.
Sometimes all you need to do is work up a bit of a sweat to de-stress. We can help you with that. Our four star spa and salon has a full service fitness center with a variety of cardio and strength training equipment. Plus, while you're burning off all those calories you'll be taking in the spectacular view of our pool.
Sometimes that little (or maybe big) scoop of homemade gelato can make you forget what you're stressed about….at least it's worked for us! While it's easy to get carried away while traveling, especially with our award-winning buffet, we do think a little indulgence here and there can help you relax. So, head to Baby Cakes, find a sweat treat and eat it slowly!
How do you de-stress when traveling?


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[PHOTOS] Cam'Ron's Alleged Fiancee' JuJu
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The rumor mill is swirling with word that rapper Cam'Ron has proposed to his girlfriend JuJu. It is said that the Harlem native dropped $100k on the engagement ring.
No confirmation has been made as of yet, but if it's true congrats!
Check out his bangin' bawdy love-doesn't she resemble Gabrielle Union?


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The wife of a Scottsdale man missing since late November has confessed to killing her husband and dumping his body in the desert east of Phoenix, where it has yet to be found, officials said Monday.
Scottsdale police arrested Shari Tobyne, 53, on Saturday after police said she admitted to accidentally shooting her husband, 57-year-old Dwight Tobyne, last year.
She was booked on single counts of first-degree murder and abandoning a human body, said Scottsdale police spokesman Officer David Pubins at a news conference Monday.
The Tobynes have three adult children who reported their father missing on July 21, Pubins said. Shari Tobyne told them their father went to Mexico last November as the couple was about to go through a separation after 35 years of marriage.
"During that time, he missed Christmas with the family and the birth of a grandchild, so this began our investigation," Pubins said.
According to police, Shari Tobyne bought a handgun last fall and practiced her shooting at a local gun club on Nov. 22.
Tobyne told investigators she bought a gun with the intention of killing herself. After offering multiple versions of how the shooting took place, Tobyne ultimately told police during an Aug. 14 interview that she accidentally shot her husband during an attempted suicide.
On the night of the alleged shooting, which police said occurred between Nov. 24 and 28, Tobyne said she walked into the master bedroom of the condominium the couple shared in the 8000 block of East Mountain View Road. She had a gun in her hand and was going to shoot herself when Dwight Tobyne, who was lying on the bed, attempted to grab the gun and accidentally triggered it, she told police.
The bullet hit Dwight Tobyne in the head, killing him instantly, Tobyne said. She told police she did not report the incident out of fear that nobody would believe her.
Instead, Tobyne said, she wrapped her husband's body in bedding and dragged him to the garage, where she again wrapped him in tarp. Later, Tobyne said she placed her husband's body in the backseat of her car and drove to an unknown location east of Phoenix, where she dumped the body.
She also admitted replacing the carpet in the master bedroom afterward, police said.
During the recent investigation, Tobyne confessed to killing her husband but maintained it was an accident. She agreed to help find the body, police said, and after the interview, she directed officials to an area off the Bush Highway in the Tonto National Forest. Investigators could not find the exact location.
Dwight Tobyne's remains were still missing as of Monday afternoon.
"However, detectives are attempting to gather information to help narrow down the search location," Pubins said.
Police made the arrest after conducting surveillance on Tobyne, during which they observed her disposing of materials at a dumpster in Chandler that included a dismantled handgun and items of clothing, and spray cleaning the trunk of her vehicle at another location in Mesa.
Detectives also found Dwight Tobyne's Ford pickup abandoned in an apartment complex parking lot near 30th Street and Shea Boulevard. Shari Tobyne later admitted to driving it there, according to police.
Cell phone records showed that the same cell-tower areas were used by phones belonging to Shari and Dwight between Nov. 24 and Dec. 25, indicating that the phones were together, police said.
Shari Tobyne
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text: Clyde Court Hotel Hotel rating Quick Specs Commissions 8.0%Rates $110-$511Year Built 1978Year Renovated 2006 View Large Interactive Map Address Landsdowne Rd, BallsbridgeDublin, Ireland Dublin 4 Web http://www.clydecourthotel.com Phone + 353 1-238-2700 Fax + 353 1-667-4381 Toll-free Email firstname.lastname@example.com OverviewMeeting SpecsPhotos & videosRatings & Reviews Description Distinguished Hotel located in embassy district, 1 mile from city center & 8 miles from airport.Year Built: 1978Year Renovated: 2006Check in Time: 2:00 PMCheck out Time: 12:00 PMNumber of Floors: 7Total Number of Rooms: 185Rates: $110-$456Commissions: Room Only 8.0% GDS Hotel Reservation CodesWorldSpan GDS: UI 44673Reps: Euro-Connection, Europe Express, Pegasus Solutions Clyde Court Hotel Location & NeighborhoodNear Dublin, 240 kilometers from Limerick. Lansdowne Rd. .25 mi from city center. Clyde Court Hotel Rates & PoliciesClyde Court Hotel rates are Daily in USDStandard: $110-$456 Suite: $166-$511 (USD) Credit Cards Are AcceptedReservations must be guaranteed with a credit cardMeals: Full Breakfast IncludedDeposit Policy: This is on a case by case basis & dependent on the size of the groupCancellation Policy: Dependent on the size of the groupHotel Discounts offered: Group discountCorporate discountTravel Agents 50.0%Airline Personnel 50.0% Nearby AirportsDublin (6.50 miles north)Ronaldsway (83.50 miles northeast)Waterford (86 miles southwest)More Airports » Clyde Court Hotel Room AmentitiesClyde Court Hotel amenities are in All rooms unless noted otherwiseAir ConditioningCoffeemakerDaily Maid ServiceIron/Ironing BoardRooms for Non-smokersTelephoneSafe (In Room)Cable/Satellite TelevisionTelevisionInternet Access (Wireless) (additional fee) Guest ServicesConcierge ServicesCrib/Rollaway BedLaundry/Dry Cleaning ServiceMulti-lingual StaffPaid Onsite ParkingRoom ServiceWheelchair Access to Common/Public AreasCommon Area Internet Access (Wireless) (additional fee) Security ServicesElectronic Key/LockParking Area Well LitSmoke Alarm in RoomsValet Parking Service Nearby SightseeingChristchurch Cathedral (1.86 miles north)Trinity College (1.24 miles north)Guinness Storehouse (1.86 miles north)Ballsbridge (0.25 miles south)Herbert Park (0.25 miles south)More sightseeing »DiningThe Clyde (Onsite)Clyde Bar (Onsite)Clyde Room (Onsite)L'EcrivainJury's Coffee Dock (0.25 miles west)More dining options » Nearby RecreationBeachBicyclingBoating/SailingFishingGolf CourseHealth ClubHealth Spa/MassageHorseback RidingHot TubPool (Children's Pool, Indoor Pool, Outdoor Pool)Shopping Mall/AreaTennis (Indoor Tennis, Outdoor Tennis) Clyde Court Hotel Meeting Rooms & Events10 Meeting Rooms holding 550 people.827 sq m of Meeting Space95 sq m of Exhibit SpaceGrosvenor 1Portable walls AvailableFlooring: CarpetCapacity: Theater- 200, Classroom- 90, U-Shape- 45, Reception- 250, Banquet- 180Grosvenor 2Portable walls AvailableFlooring: CarpetCapacity: Theater- 220, Classroom- 120, U-Shape- 45, Reception- 250, Banquet- 190Herbert SuiteFlooring: CarpetCapacity: Theater- 110, Classroom- 50, U-Shape- 36, Reception- 90, Banquet- 84PembrokeLocation: Floor 1Flooring: CarpetCapacity: Theater- 80, Classroom- 26, U-Shape- 25, Reception- 90, Banquet- 48 Clyde Court Hotel Business ServicesMeeting FacilitiesMeeting Room Internet Access (Wireless) (additional fee) Clyde Court Hotel Images, Videos, & Virtual Tours Photos & Videos Clyde Court Hotel RoomClyde Court Hotel RoomClyde Court Hotel RoomClyde Court Hotel RestaurantClyde Court Hotel Restaurant Images Powered by VFM Leonardo travel42 Review for Clyde Court Hotel Want to read the full Clyde Court Hotel travel42 Review? For access to this review as well as 10,000 others, visit www.travel-42.com or call 1.866.566.8136 to subscribe. This contemporary seven-story, L-shaped hotel may lie a 10-minute drive southeast of the city center, but it's a convenient address for anyone attending a sporting event or music concert held at undulating Aviva Stadium two blocks to the north. There really isn't any other compelling reason to stay at this aging property apart from its low rates, although the current renovation should make the interiors a tad brighter. Surrounded by the city's former botanical gardens and a usually jam-pac... Subscribe to travel42 to read the full review » Copyright (c) 2016 Northstar Travel Media, LLC. travel42. Nearby Dublin Hotels More Nearby Hotels Stillorgan Park HotelAriel HotelAshling HotelBest Western Dublin Skylon HotelBlooms HotelBuswells HotelDeer Park Hotel Golf and SpaDoubleTree by Hilton Dublin BurlingtonFitzpatrick Castle DublinGreen Isle Conference & Leisure HotelGresham HotelHampton HotelO'Callaghan Mont Clare HotelRoyal Dublin HotelTara Towers HotelThe MorganThe Morrison, a DoubleTree by HiltonMarine Sutton Hotel Hoteliers! Is your listing up to date? With over 130,000 hotels in our database, no other source compares to our depth of information. Click here to review and be sure the travel professional knows your hotel's latest details.