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Have Your Own Domain, Hosting,with A Small Fee
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"top Cash Paid For Seller-financed Business Notes"
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Colorado Springs, Colorado

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Dog Grooming Business
Austin, Texas
the pooch mobile dog wash is a mobile dog wash franchise which drives to customers home to wash and care for the family dog. are you looking for a new career? do you have a passion to work with dogs? do you love the...
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Beverly Hills, California
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Atlanta, Georgia
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Dallas, Texas
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Potomac, Maryland
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Rochester, New York
you make money when you buy something cheap enough!!! i have made a ton of money in business but right now that is not what is important to me. my dad was buying antiques and collectibles over 60+ yrs. he never ...
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Nedrow, New York
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Andrea Phillips
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One fine body…
- Oceanside,NY, United States
- Work Transmedia Experience Designer
- Website www.deusexmachinatio.com
- About Andrea Phillips is an independent game designer and writer specializing in alternate reality games and other transmedia experiences. Her projects include the award-winning Perplex City, Routes Game, and the 2012 Experience. She also serves as chairman of the IGDA ARG SIG. She blogs about games, gender, and culture.
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Star Tracks
Kunis and Kutcher go sightseeing in Sydney. Plus: Eva Longoria, John Cho, Jennifer Garner and more
Credit: Doug Meszler/Splash News Online
Published: Friday Nov 02, 2012 | 05:00 PM EDT
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Derek Carr Interview: Season Outlook
College Football: Ranking The Top 10 Running Backs Of 2016
2016 Fantasy Football: Quarterback Bye Week Navigation
Poll: Will Will Win The AFC South In 2016?
Yep, Alfred Morris Still Drives That Old 1991 Mazda
Kirk Cousins 'Prove It' Season, Take 2
NFL Rookies 2016: 5 Most Likely To Flat Out Bust
Social Media Has Field Day With Mike Gundy's Awful Mullet
49ers Picked Alex Smith Over Aaron Rodgers Because... He Opened A Car Door For His Mom?
Three Quarterbacks Who Will Have A Make Or Break Season
Get the craziest and best NFL stories, cutting edge Analysis, and Daily Fantasy Guidance hand picked by our expert team right into your inbox.
Love him or hate him Phil Simms did something magical 26 years ago.
When you hear Simms during next week's broadcast of the Super Bowl, he will be giving you expert analysis like only he can.
What's more, he can back every bold claim up because he has been there and done it.
Not only that, he did it like no other quarterback in this game's history.
In Super Bowl XXI he led his New York Giants to their first win in the big game, a 39-20 win over the Denver Broncos. The way he did it was something quite incredible.
Trailing 10-9 at halftime, he took his Giants on a 63-yard scoring drive which ended with a 13-yard pass to Mark Bavaro. More was to come, and later in the game another drive ended with a deflected pass end up in the hands of Phil McConkey from 6 yards out.
Sandwiched between these two scores were 10 more unanswered points, which put the game well out of the Broncos' reach.
The QB rating still stands as the best ever in a Super Bowl. The completion percentage is still the best for passers with over 20 attempts.
over 101,000 fans were packed into the Rose Bowl in Pasadena to see this historic day.
There have been some great quarterback shows since then, in what has become a pass orientated league, but still no one has come close to this performance.
It's very hard to see either of the two competing quarterbacks in this year's Super Bowl coming anywhere near to those passing records, but if they do I'm sure Simms will be the first to congratulate them from his lofty position in the broadcast booth.
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The long awaited and often anticipated Memphis Heat: The True Story of Memphis Wrasslin' DVD loaded with almost four hours of Memphis wrestling madness will be released October 1st. Order it here TODAY and you will be the first on your block to get it. By ordering direct now from the film production company, you will also receive a too-cool …Read More »
2011 Exhumed Films 24 Hour Horror-Thon Announced
SATURDAY, OCT. 29TH TO SUNDAY, OCT. 30th 2011: 24 HOUR HORROR-THON PART V To celebrate the joyous Halloween season, Exhumed Films proudly presents the fifth annual 24 Hour Horror-thon: a full 24 hour marathon of nonstop horror mayhem! We'll start at noon on Saturday and go straight through until noon on Sunday. As always, the lineup of films is being …Read More »
First Look: Man Of Steel
FOR IMMEDIATE RELEASE "MAN OF STEEL" REVEALED Much-anticipated First Look at Star Henry Cavill as Superman BURBANK, CA, August 4, 2011 – Warner Bros. Pictures and Legendary Pictures have provided the first look at the new "Man of Steel," revealing star Henry Cavill as Superman in the film from director Zack Snyder. The film also stars three-time Oscar® nominee Amy …Read More »
Interview: George "The Animal" Steele (wrestler)
EXCLUSIVE HORRORNEWS INTERVIEW: GEORGE "THE ANIMAL" STEELE PROFESSIONAL WRESTLER AND ACTOR (MOVIE: ED WOOD) How did you get involved with Ed Wood? Tim was looking the right person to play the part of Tor and my name kept coming up. You worked with a lot of talent in Tim Burton, Johnny Depp, Bill Murrey, and Martin Laundau. How was the …Read More »
Italian Sci-Fi Double Feature (Starcrash and Yor)
Upcoming Shows Exhumed Films Presents:Italian Sci-Fi Double Feature Audubon Auction House (PLEASE NOTE ALTERNATE LOCATION!) Friday Sept 16th, 2011 Doors at 7:30pm, Trailers/Show at 8:00 $10 for the Double Feature Free Parking! Info and Directions here www.Auctionhouseshows.comRead More »
Interview: Josh Eppard (Weerd Science)
Exclusive Horrornews Interview: Josh Eppard (Weerd Science) approx. 60 minutes Discussion about music, horror, drugs, and beyond. This is honestly one of my best interviews.Read More »
Film Review: The ToolBox Murders (1978)
SYNOPSIS: Bit by bit, he carved a nightmare! In a quiet Los Angeles apartment complex, a deranged handyman savagely murders "immoral" women with the tools of his trade: clawhammers, screwdrivers, power drills and even a deadly nail gun. But these gruesome murders are just the beginning of this landmark epic of violence and depravity that was vilified by critics, banned …Read More »
Film Review: The Creek (2007)
SYNOPSIS: After the loss of their close friend Billy, six friends go their separate ways only to be brought back together five years later by his ghost. In order to set things right, they decide to go to the cabin where he died to put his spirit to rest. Old rivalries and long festering grudges quickly rise to the surface …Read More »
Memphis Heat Trailer
[youtube]http://www.youtube.com/watch?v=J-CDVYT-RWI[/youtube]Read More »
Interview: Cory Cataldo (Mad World)
1. I know personally for me, when I watch movies that deal with these types of teen topics, it brings back feelings of when I was a teen. Did you take any personal experiences from when you were a teen and incorporate it into the story? I did. To an extent, except the end, everything in this movie actually happened. …Read More »
Interview: Author Nick Redfern (The Real Men In Black)
Unexplained Confidential presents an Interview with Nick Redfern about his new book, The Real Men In Black When did your interest in the Men In Black start? When I was a kid I got into reading the works of authors such as Brad Steiger, John Keel, and Gray Barker. These were three of the big names in UFO and paranormal …Read More »
Interview: Tiffany Shepis (The Frankenstein Syndrome)
What attracted you to The Frankenstein Syndrome? What attracted me to TFS?? There were many things that made me want to be involved with The Frankenstein Syndrome. First it's not often I get to play characters with brains let alone playing a doctor of sorts. Also I thought Sean Tretta had something special with this script, it was so different …Read More »
AUSTIN IDOL POSTED: OK, I GUESS IT'S TIME FOR A "BRIEF" RESPONSE TO ONE MIKE JOY OF HORROR NEWS. NET. I WILL KEEP THIS TOTALLY PROFESSIONAL BY SAYING, "WHAT IS THIS GUY ON"? IF HE HAS A PHANTOM RESOURCE FROM SOME PARA-NORMAL CLAIRVOYANT THAT'S TELLING HIM SOMETHING ABOUT THE PLANE CRASH I WAS INVOLVED IN CIRCA: 1975 IN TAMPA BAY …Read More »
Supernatural – The Complete Sixth Season on Bluray
All Evil Will See the Light SUPERNATURAL: THE COMPLETE SIXTH SEASON Contains All 22 Episodes of the Sixth Season plus Hours of Bonus Featurettes, Deleted Scenes, and Blu-ray™ Exclusives! The Journey Continues on Blu-ray™ and DVD September 13, 2011 The Winchester Brothers are back – saving humanity and hunting monsters in Supernatural: The Complete Sixth Season, out on Blu-ray™ Hi-def …Read More »
Unexplained Confidential : Dead and Punked
It's me again, I'm hunched over the keyboard turning pale and convulsing as I suffocate on my own blood. My fingers are barely able to hit the keys to type these poisonous theories. "Joyhorror" is the name that I hear from the underbelly of horror's anti-social living dead community. I answer with a resounding thud as my lifeless head bounces …Read More »
Interview: Natalie Dickinson (She's Crushed)
What was your attraction to She's Crushed? I've always loved horror/thriller movies, and this one had a smart, interesting story. I loved how the writer (and director, Patrick Johnson) took a different approach – the audience sees the story unfold largely from Tara's perspective. So, as an actor, this was very attractive… It was fun to give the psycho chick …Read More »
Horrornews.net Giveaway! Free Passes to Days of the Dead Convention
Horrornews.net and Days of the Dead are teaming up for a horror awesome GIVEAWAY! We have 10 Weekend Passes to give away for FREE and all you need to do is… be the first to email me at email@example.com with the correct answer to the following question. "Rowdy" Roddy Piper is the star of what John Carpenter horror movie? This …Read More »
An Evening with Roddy Piper
You've seen him wreck havok in the ring. You've seen him bring hell to Frogtown. You've seen him kick ass and not chew bubblegum. But come July 1st – 3rd, genre fans will see "Rowdy" Roddy Piper do soemthing they have likely not seen him do before: Performing as a stand up comedian. Yes, you read that correctly. Roddy Piper …Read More »
Maya Entertainment Launches "Playing House" Facebook Promotion – Win a Date with Mayra Leal!
LOS ANGELES (June 21, 2011) – Maya Entertainment has launched a unique "win a date" promotion for the psycho-sexual thriller Playing House, which will be released on DVD June 21. Fans have an opportunity to win a date with Mayra Leal (Arena, Machete, TV's "The Deep End"), star of the film, for dinner at The Federal Bar (www.thefederalbar.com) in North …Read More »
The Ultimate Guide to Martial Arts Movies of the 1970s: 500+ Films Loaded With Action, Weapons and Warriors (book)
The Ultimate Guide to Martial Arts Movies of the 1970s dives deep into the decade that brought martial arts cinema to the masses. This dynamic guide launches into "martialogies" of 500-plus films, including such classics as Five Deadly Venoms, The Big Boss, Drunken Master, and the Lone Wolf and Cub series. Each martialogy is filled with humor and contains a …Read More »
Unexplained Confidential: Austin Idol reveals details about Plane Crash! Coincidence, I think not.
The past week I've heard the words "virtue, integrity, and honorable" describe Austin Idol. Are you kidding me? Here's a guy who has made a career out of being a cheater and a liar, and I'm being labeled the "bad guy" in this situation. I don't think so! Let me explain what I do here, and I'll type slowly so …Read More »
Playing House is "Home Sweet Home" on DVD June 21st!
Home Sweet Home "PLAYING HOUSE" The Ultimate Psycho-Thriller The Obsession Takes Over June 21st LOS ANGELES, CALIF. (April 25, 2011) – Desire becomes obsession when the psycho-sexual thriller Playing House comes to DVD June 21st from Maya Entertainment. After two newlyweds ask their best friend to move in and help with the mortgage, the friend soon brings home a …Read More »
From the Silent Classics of the Silver Screen to the Digital and 3-D Era
MOVIES: From the Silent Classics of the Silver Screen to the Digital and 3-D Era Philip Kemp, General Editor What was the impetus behind the world's earliest films? Which films have bridged vastly differing cultures to become international icons? What makes a specific director or actor so significant? For anyone who has ever been thrilled by an amazing movie, inspired …Read More »


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Weston C. Baker Jr., assistant vice president, senior engineering technical specialist at FM Global, received the 2015 Special Achievement Award by the National Fire Protection Association. Baker spent the last two years leading an effort that … more
When Emma Beade was a senior at Rhode Island School of Design, she became invested in the idea of getting her school to divest from fossil-fuel-producing companies so it could do its part to save the planet. The student-organized Divest … more
By Rebecca Keister | Contributing Writer | 9/3/15 | 1 comment
Investors who woke up expecting clarity on interest rates or the strength of the U.S. economy got neither. more
By Jeremy Herron and Oliver Renick
Two Rhode Island independent financial advisers are among the top 100 in the nation, according to a yearly ranking put out by Barron's. more
By Eli Sherman
U.S. stocks advanced, after the Standard & Poor's 500 Index posted one of its steepest drops this year, amid a respite from a global equities selloff. more
By Sofia Horta e Costa and Oliver Renick
President of the board of directors for Rhode Island Students of the Future discusses how the organization got started and its plans going forward. more
By Lori Stabile
Wall Street analysts are starting to see value in an unlikely corner: junk debt of energy companies, which just had its worst monthly performance since the 2008 financial crisis. more
By Lisa Abramowicz
U.S. stocks joined a worldwide selloff, after equities' worst month in more than three years, amid continuing concerns that China's slowdown will weigh on the global economy. more
By Oliver Renick
The slump that dragged the Standard & Poor's 500 Index to its worst month since 2012 is set to worsen, U.S. futures indicate, amid continuing concerns about the impact of China's slowdown on the global economy. more
By Roxana Zega
Bank of America Corp. should either change the makeup of its governance committee or get rid of CEO Brian Moynihan, according to Mike Mayo, an analyst at CLSA Ltd. more
By Katherine Chiglinsky


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New Jersey Food Banks Face Post-Holiday Donation Drop
The already-difficult fight against hunger adds another hurdle this time of year as New Jersey food banks face a dwindling food supply and sharp dip in donations.
The already-difficult fight against hunger adds another hurdle this time of year as New Jersey food banks face a dwindling food supply and sharp dip in donations.
New Jersey has come a long way in a short time when it comes to providing low-income students with breakfast at school, a new report shows.
An initiative launched in 2005 by Rutgers professor Donald Roden continues to evolve and offer New Jersey inmates new opportunities for their re-entry into society.
Valentine's Day is, of course, about making your spouse or partner feel loved ... through gifts. It's also about showing love to the New Jersey economy.
Six Flags Great Adventure is looking to fill 4,000 positions in the park for the upcoming season which begins in April.
Some people just go through the motions, in fear of sleeping on the couch, but others have no problem expressing their hatred for Feb. 14.
Even though the snowfall forecast has decreased a bit, a few inches of snow across New Jersey will still present travel difficulties today and tonight.
The data is murky. But an NJ law firm says it get inundated with calls from people seeking help after Super Bowl Sunday.
Compared to other states, it looks like New Jersey may have skipped a few grades — at least according to one career site.
Two storm systems will keep snow and rain chances over New Jersey for the next three days, causing sloppy roads, low visibility, and moderate coastal flooding.
We took a trip to a Monmouth County supermarket to price the food and drink you may need to satisfy a party of 10, from appetizers to dessert.
This weekend, mornings will be icy and afternoons will be pleasant; however, a trio of storms could lead to more accumulating snow for New Jersey as early as Monday.


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What is a 'Stabilization Policy'
A stabilization policy is a macroeconomic strategy enacted by governments and central banks to keep economic growth stable, along with price levels and unemployment. Ongoing stabilization policy includes monitoring the business cycle and adjusting benchmark interest rates to control aggregate demand in the economy. The goal is to avoid erratic changes in total output, as measured by Gross Domestic Product (GDP) and large changes in inflation; stabilization of these factors generally leads to moderate changes in the employment rate as well.
BREAKING DOWN 'Stabilization Policy'
Stabilization policies are also used to help an economy recover from a specific economic crisis or shock, such as sovereign debt defaults or a stock market crash. In these instances stabilization policies may come from governments directly through overt legislation, securities reforms, or from international banking groups, such as the World Bank.
As economies become more complex and advanced, top economists believe that maintaining a steady price level and pace of growth is the key to long-term prosperity. When any of the aforementioned variables becomes too volatile, there are unforeseen consequences and effects to the broad economy that keep markets from functioning at their optimum level of efficiency.
Most modern economies employ stabilization policies, with much of the work being done by central banking authorities like the U.S. Federal Reserve Board. Stabilization policy is largely credited with the moderate but positive rates of GDP growth seen in the United States since the early 1980s.
Policy MixA government's combined use of fiscal policy and monetary policy ...
Automatic StabilizerEconomic policies and programs that are designed to offset fluctuations ...
The Great ModerationThe Great Moderation is the name given to the period of decreased ...
Fiscal PolicyGovernment spending policies that influence macroeconomic conditions. ...
Monetary PolicyMonetary policy is the actions of a central bank, currency board ...
Employment Act Of 1946An act of legislation enacted by the United States Congress that ...
Top 4 Central Banks Dominating the World EconomyCentral banks play an integral role in market economies by maintaining the stability and credibility of national currencies used in those economies.
How Automatic Stabilizers WorkMany economists claim that automatic stabilizers only work in the short term and question their effect on government spending. In truth, automatic stabilizers do not always have enough impact ...
What Are Central Banks?They print money, they control inflation, and much, much more. All you need to know about central banks is here.
World's Central Banks Prepare for Brexit FalloutCentral banks from Europe to the US and abroad pledged to step in to stabilize markets with emergency liquidity measures to prevent all-out disaster.
MacroeconomicsMacroeconomics studies the performance of an economy as a whole. While microeconomics focuses on the decisions, spending and performance of individuals or single businesses, macroeconomics focuses ...
Explaining The World Through Macroeconomic AnalysisFrom unemployment and inflation to government policy, learn what macroeconomics measures and how it affects everyone.
Fiscal Vs. Monetary Policy Pros & ConsWhen it comes to influencing macroeconomic outcomes, governments have typically relied on one of two primary courses of action: monetary policy and fiscal policy.
What Is Fiscal Policy?Learn how governments adjust taxes and spending to moderate the economy.
Get To Know The Major Central BanksThe policies of these banks affect the currency market like nothing else. See what makes them tick.
Quantitative Easing is Now a Fixture, Not a Temporary PatchRather than being a temporary patch, QE is now a fixture in global economic policy, for good or for bad.
How do fiscal and monetary policies affect aggregate demand?Learn about the impact fiscal and monetary policy have on aggregate demand, and discover how the government influences economic ... Read Answer >>
Under what circumstances will a government change its monetary policy?Learn about the kind of variables, including political and theoretical factors, that can bring about change in a government's ... Read Answer >>
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The Atlanta Scala Meetup Group Message Board › The Weather Channel is hiring full time Scala opportunity
|A former member
Please email me your resume at firstname.lastname@example.com
Job Description:
We are seeking a passionate programmer who is excited about the opportunity to use Scala and functional programming techniques in professional software development environment. Responsibilities include design, implementation, testing, and deployment of sophisticated software systems using Scala (and Java). You will be part of a motivated team of developers that will encourage you to share and advance your programming skills and passion.
1. Participate in the design and implementation of sophisticated software systems, at the direction of Supervisor, Shared Services.
2. Participate in software design and code reviews. Reviews include other Software Engineers and are approved by Supervisor, Shared Services. Reviews are held to ensure a high level of software quality and to share knowledge with team members.
3. Participate in, and adhere to, professional software engineering practices using such tools and methodologies as Agile Software Development, Test Driven Design, Continuous Integration, Source Code Management (svn), Jira, and Crucible.
4. Report status to the Supervisor, Shared Services. This includes alerting the Supervisor when project schedules might be impacted.
5. Address production issues in a timely manner. This includes root cause analysis and working with the Supervisor, Shared Services to resolve the problem.
6. Maintain a high level of proficiency with Computer Science/Software Engineering knowledge and contribute to the technical skills growth of other team members.
7. Work well independently and as part of a team.
A. Passion for Computer Science and Programming
B. Knowledge of Computer Science Theory
C. Knowledge of functional programing languages and techniques
D. Knowledge of object-oriented programming languages and technique
E. Solid understanding of concurrency and concurrent programming techniques
1. Bachelor's Degree (or higher) in Computer Science, or comparable work experience
2. Proficiency with Functional Programming using Scala, ML, Lisp, Ocaml, or similar language
3. Proficiency in Object Oriented development using Java, C++, C#, Ruby, or similar language
4. Proficiency with Unit Testing
5. Proficiency with Version Control
6. Able to convey information concisely and clearly
7. Able to work closely and effectively with peer developers and work on several active projects simultaneously
1 Experience with Test-Driven Development, Continuous Integration and other Agile practices
2 Unix Shell script programming experience
3 Proficiency with IntelliJ IDE
4 Proficiency with Jira
5 Proficiency with Subversion
1. Must be a helper, problem solver and a quick learner.
2. Realizes the importance of responding to production issues
3. Highly motivated and results oriented.
Meetup members, Log in
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- Product Information
Product DescriptionOur brightly colored silk purple leis are the perfect choice for luaus, beach and pool parties, or any event with a tropical or Hawaiian theme. Made of purple silk flowers, these purple leis measure 36" and make great party favors for any tropical themed event! You can even use our silk purple leis as part of the decor by adding them to table centerpieces, draping them on chair backs, and hanging them over porch railings. Our Purple Silk Novelty Flower Leis are sold by the dozen.
- Quantity-12
- Color-Purple
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Chalet Hotel Les Campanules, Alpes du Nord
- Free WiFi and free parking
Main amenities
- 44 smoke-free guestrooms
- Restaurant and bar/lounge
- Breakfast available
- Free ski shuttle
- Ski storage
- Daily housekeeping
- Lobby fireplace
- Picnic area
- Free newspapers in the lobby
- Luggage storage
- Limited hour front desk
- Tour/ticket assistance
What's around
- Bellevue Cable Car (1.1 mi / 1.8 km)
- Parc de Merlet (2.5 mi / 4.1 km)
- Prarion Gondola (1.7 mi / 2.7 km)
- Aiguille du Midi Cable Car (4.7 mi / 7.6 km)
- Planpraz Tram (5.2 mi / 8.4 km)
For families
- Playground on site
- Private bathroom
- Daily housekeeping
- Elevator/lift
- Digital TV service
- Flat-panel TV
Chalet Hotel Les Campanules, Alpes du Nord
Hotel Info: 866-539-8117from $103
- Quadruple Room, View (Mont Blanc)
- Double or Twin Room
- Triple Room, View (Mont Blanc)
- Quadruple Room
- Triple Room, View
- Double or Twin Room, View (Mont Blanc)
Also popular with travelers from the USA
At a glance
Key facts
Hotel size
- This hotel has 44 rooms
- This hotel is arranged over 5 floors
- Check-in time 4 PM-11 PM
- Check-out time is Noon
- Express check-in/out
Required at check in
- Credit card or cash deposit required
- Government-issued photo ID required
Travelling with others
- Pets allowed *
- Free WiFi in public areas
- Free WiFi in rooms
- Free self parking
- Free ski shuttle
Other information
- Smoke-free property
Nearby Two Star Alpes du Nord hotels
In the hotel
- Buffet breakfast (surcharge)
- Restaurant
- Bar/lounge
- 24-hour room service
- Free ski shuttle
- Ski storage
- Ski passes available
- Billiards or pool table
- Conference space size (feet) - 538
- Conference space size (meters) - 50
- Front desk (limited hours)
- Tours/ticket assistance
- Free newspapers in lobby
- Luggage storage
- Elevator/lift
- Picnic area
- Fireplace in lobby
- Television in common areas
In the room
- Private bathroom
- Shower only
- Flat-screen TV
- Digital TV channels
- Free newspaper
- Free WiFi
- Daily housekeeping
Top Alpes du Nord hotels
Recently reviewed hotels in Alpes du Nord
- Le Hameau Albert 1erFrom
"Good location, clean, service average less than what you expect for five star hotel. The room was clean, bedding very confortable, bath room products very good. I had an issue…"Jul 24, 2016
- Les Balcons du SavoyFrom
"We liked the spaciousness of the room with a big balcony faced toward the mountains. An added benefit was watching the parasailers land right outside our room. Parking below the…"Jul 23, 2016
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"We had a room on the 3rd floor and there was no elevator, no internet access (the thick walls must preclude a good signal) which meant going into the lobby or business room to…"Jul 22, 2016
- Hotel BeauregardFrom
"We really enjoyed our stay at this hotel."Jul 22, 2016
Nearby hotels
Special features
DiningOnsite venue - This restaurant serves breakfast and dinner. A children's menu is available.
- Ski passes available
- Free ski shuttle
- Ski storage
- Ski lifts nearby
- Ski runs nearby
- Snowboarding nearby
- Snowshoeing nearby
On Site
- Playground on site
- Bicycle rentals nearby
- Golfing nearby
- Hiking/biking trails nearby
- Mountain biking nearby
- Parasailing nearby
- Rafting nearby
- Ski equipment rental shops nearby
- Cross-country skiing nearby
- Downhill skiing nearby
- Snowboarding nearby
- Snowshoeing nearby
Chalet Hotel Les Campanules, Alpes du Nord's small print
Also known as
- Chalet Campanules
- Chalet Campanules Les Houches
- Chalet Hotel Campanules
- Chalet Hotel Campanules Les Houches
Mandatory fees
You'll be asked to pay the following charges at check in or check out:
- A tax is imposed by the city: EUR 0.90 per person, per night
Optional extras
Buffet breakfast is offered for an extra charge of EUR 11 for adults and EUR 6 for children (approximately)
Pets are allowed for an extra charge of EUR 8 per pet, per night
We have included all charges provided to us by this hotel. However, charges can vary, for example, based on length of stay or the room you book.
Is the description of this hotel not correct? Tell us


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News and Events
Feature Stories
Learn more about our exceptional faculty, staff, students, alumni and groundbreaking and award-winning research.
Coeur d'Alene News
Fiberoptics Company Fatbeam Donates Private Fiber Line to UI Cybersecurity Center
Posted Wed, 20 Jul 2016 10:00:00 -0700The University of Idaho's Research Park received a technological boost this year thanks to local broadband fiber provider Fatbeam. Fatbeam, cofounded by Greg Green and Shawn Swanby in 2010, provides broadband access services to business enterprise, healthcare, education and government customers in the Western United States. Read more
All UI News
UI, Inergy Solar Team Up on Portable Home Solar Power Project
Posted Mon, 25 Jul 2016 09:30:00 -0700Pocatello, Idaho-based Inergy Solar is setting out to make a compact, portable solar energy system that can power an entire home, and University of Idaho researchers are providing their technological expertise to help make the product a reality. Read more


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Hamish MacBeth: Series 1-3 Collection
Frequently Bought Together
Customers Who Bought This Item Also Bought
Editorial Reviews
Now together in one collector's set, all three seasons of Hamish Macbeth, the quirky award-winning series starring Robert Carlyle! Before his breakout performances in Trainspotting and The Full Monty, Robert Carlyle starred as Police Constable Hamish Macbeth, who finds himself transferred from his Glasgow beat to the village of Lochdubh, a town where the strangeness of the villagers is exceeded only by the strangeness of the goings on. Good thing Hamish Macbeth is in town. He proves to be a natural at maintaining the social balance of his tight-knit town while solving crimes along the way. Whether it's tracking down 300 weight of salt, mediating a family feud featuring space aliens, or a search for the Stone of Destiny, there's nothing Hamish Macbeth and his trusty canine sidekick Wee Jock can't handle.]]>
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Customer Reviews
Top Customer Reviews
The series is LOOSELY based upon the mystery books by MC Beaton, a few parallels can be drawn but its not a series of sleuthing police mysteries. Quite the opposite: Hamish is well aware of how competent police work brings the wrong sort of attention to his comfortable corner of western Scotland. The sort that would mean notice from the big city departments, promotions, and moving back to the hustle and bustle of urban policing.
And the townsfolk are quite anxious to ensure Hamish gets to stay exactly where he is, they remember too well The Man Before The Man Before MacBeth with the endless nuisances committed upon their fair village, they would much prefer to keep things as they are just now, thank you very much.
From the curious theft of almost a hundred-weight of table salt at the local grocery (and not a drop of whiskey was stolen, how odd) to the football match that empties the entire town (will the last person leaving Lochdubh please switch off the lights) every show is a delightful and smart spotlight on life in a small isolated community at its best.
Season 1: (5 episodes) The Great Lochdubh Salt Robbery, A Pillar of the Community, The Big Freeze, Wee Jock's Lament. and A Bit of an Epic.
Season 2: (6 episodes) A Perfectly Simple Explanation, In Search of a Rose, Isobel Pulls it Off, Radio Lochdubh, No Man is an Island, The Lochdubh Deluxe
Season 3: (8 episodes) The Honorable Policeman, Deferred Sentence, The Lochdubh Assassin, The Good Thief, The Trouble with Rory, More than a Game, Destiny (Part 1), Destiny (Part 2)
The TV series is somewhat of a disappointment to me. On the positive side, the setting, the acting, the casting, filming, and most technical aspects of the production are well done. But if your standard is authenticity to the author's written text and to the finer nuances of character motivation, the TV series is not as satisfying. The element of mystery is often missing. The descriptor "bad soap opera" comes to mind in some of the episodes. The producer and the screen writers often miss the mark. I almost feel the TV series was written by persons who may be ignorant of and hold an animus to small town or rural life. The books on the other hand positively portray and celebrate the unique characters that are part of non-urban places.
Beaton's (Chesney's) Hamish is motivated by authentic justice and fairness. If the "criminal justice system" fails, Hamish often finds a means to "adjust" reality. In the Beaton's background, there are always elements of humor and ultimate justice. The TV series sometimes closes off with a brutish tone leaving me with an underlying unease.
Would I buy the DVDs if I had known of these variances with the literary version? Probably but you might want to wait for a sale and then buy only one disk.
PS Robert Carlye is a very good actor
Most Recent Customer Reviews
I love the stories, I some times don't understan what they say but, I get most of it. it's the accents! it's not southern!!!Published 7 days ago by Maplestnews
Fun stories, beautiful scenery, good samples of Northern Scotland dialect sometimes too thick to understand.Published 2 months ago by Gonzo
Disappointed that the did not keep closer to the characters as writtenPublished 3 months ago by Julia B. Smith
Had to get used to the character Hamish MacBeth being so different from Beaton's hero!! However once I did that then I am enjoying the series. Read morePublished 4 months ago by Maggie Webster
The entire second and third season disks are damaged....won't play. Very disappointed, I just opened them.Published 6 months ago by Amazon Customer
Love the series; purchased as a gift for another lover of the series...Published 8 months ago by Amazon Customer
Well, it does not follow the books exactly...but well enough to be most enjoyable and the acting is superb.Published 9 months ago by Eve Anders


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Michael Booker
Michael Booker
Little Rock
Michael BookerMichael Booker has successfully practiced law for about seven years, but it was his recent selection as the Democratic nominee for the District 56 House seat that he considers his greatest professional accomplishment.
If Booker gets past his Republican opponent, he hopes to focus on ensuring equity in the school funding formula, finding solutions to the problem of abandoned houses and passing legislation to establish mandatory minimum sentences for drive-by crimes. He also would like to develop expertise in economic development issues.
"My philosophy is to make an impact and have some fun doing it. That's what I try to do in both my personal and professional life," says Booker, who recently turned 36 and was married last month at the Governor's Mansion by Gov. Jim Guy Tucker.
The desire to make an impact is what drew him into politics, he says, and what may inspire him to eventually seek statewide office. Booker notes he can't recall an African-American who has held statewide political office and says such an election would be "highly significant."
Editors Picks
Whispers Blogby Arkansas Business Staff
- Wall Street Journal: Bank of the Ozarks Fills Loan Void in Big Markets
- Video: Watch Asa Hutchinson, Leslie Rutledge Speak at the Republican National Convention
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Most Read
- Little Rock Doctor Robert Barrow Sentenced to 2 Years in Prison 22 hours ago
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- Chambers Bank Lands $2 Million Golden Judgment 3 days ago
- Online Banking Rises in Use, but Arkansas Branches Remain Important 3 days ago
- Maria Markham Recommended as New Director of Department of Higher Education 3 hours ago


text:
We Got It Sewn Lyrics by Maestro
We Got It Sewn by Maestro
This joint over here is dedicated to all the single mommys
All the single mommys worldwide, this is for y'all
Maestro, just hold your head
For real, check this sh*t out
You're a black Mona Lisa named Tanisha
Bonafide features
Aires' my sign, you're a libre
Got my open on your Etheopian attitude
Your body queen of the empire, I feel your fire
Your eyes are hazel, and everytime that your perform graze my nasal
I wanna french kiss your naval
Got the joint I wanna put a lock on, box I wanna knock on
Give me a finger one time, I'll put a rock on
I used to dick many, I stick plenty
Now I sit back, relax, cool out
And meditate on a life I never thought of before
You got me open, look what's happenin'
Ill thoughts are vanishin'
I'm managin' to formulate goals and plans
Plus I know your daughter love me
'Cause everytime I leave your crib she wanna hug me
But don't sweat it, I'll treat her like my own
You're not alone, let's build a home
I'm in the zone
[Chorus: Jason Simmons]
We got it sewn, baby
We got it sewn
You're never alone
'Cause we got it sewn
You make me wanna effervess when I hit your treasure chest
Never fess, finish college though, boo
Just one semester left
And they'll never be a cuter nurse, that's how I feel
It's me and you against the universe, you know the deal
I represent the land, you represent the water
Motivated by your strength, plus the way you raise your daughter
(on the real) She's a part of me, 'cause she's a party of you
To start a family, is what I wanna do
Alot of niggas can get a single mother stressed
Get the child attatched, then the brothers wanna jet
You know my repitoire, I'll never leave you
'Cause you're top-notch
Just like the cutie that my pops got
I hold it down with your crib still
I taught your daughter how to read and plus I'll help you keep your fridge
So study hard, I got your back, you're not alone
Let's build a home, I'm in the zone
[Jason Simmons]
I'll be the shoulder you can cry on
I'll always be around
No need to worry 'bout a thing
I'll never let you down
We got it sewn
I never met a greater dime, you were made to shine
Single motherhood ain't easy, but you keep your state of mind
A special friend to me, your ebony shell is heavenly
Your pedigree, your feminity is givin' me energy
To make a flyer plan, movin' to a higher land
f**k walkin' behind, boo, you walk beside your man
That's what the others say, but you got another way
Don't get out of bed, sweetheart, happy mothers day
You know the deal, I got your back, you're not alone
We got it sewn, Let's build a home
I'm in the zone
All the single mommys, just hold your head
Mr. Maes' signing out now
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text:
June 16, 2014
The Minnesota Golden Gophers begin the college football season on Aug. 28 at home against Eastern Illinois. With the season right around the corner, publications are now releasing their preseason All-Big Ten teams.
The following seven Gophers were recognized by Athlon: Zac Epping (second team), Maxx Williams (third team), Theiren Cockran (third team), David Cobb (fourth team), Eric Murray (fourth team), Cedric Thompson (fourth team) and Peter Mortell (fourth team).
Phil Steele's College Football preview also honors seven Gophers. The following offensive players were placed on a preseason All-Big Ten team: Zac Epping (second team), David Cobb (third team), Maxx Williams (third team) and Josh Campion (fourth team). Theiren Cockran led the defense with second-team recognition, while Eric Murray was placed on the fourth team. Specialist Marcus Jones was named third-team kick returner.
Meet The Newcomers: Thomas Barber
This season, there is another Barber on campus, as freshman linebacker Thomas Barber will don the Maroon and Gold in the fall.
Meet The Newcomers: Vincent Calhoun
Get to know newcomer Vincent Calhoun whose favorite NFL player is Michael Oher. The two have more similarities than just their position.
Brooks Named Doak Walker Award Candidate
University of Minnesota sophomore Shannon Brooks is on the Doak Walker Award's preseason candidates list.


text:
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|By PR Newswire
Article Rating:
|November 8, 2012 01:31 AM EST
THE HAGUE, The Netherlands, November 8, 2012 /PRNewswire/ --
- Higher earnings driven by growth, lower expenses and favorable currency movements
- Underlying earnings increase to EUR 472 million, including a positive effect of EUR 17 million
as one-time provision releases were partly offset by the negative effect of assumption updates
- Net income of EUR 374 million driven by higher underlying earnings, lower impairments and the non-recurrence of charges in the comparable quarter last year partly offset by higher taxes
- Return on equity increases to 7.7%, and 8.6% excluding run-off businesses
To view the Multimedia News Release, please click:
- Sales stable - higher accident & health sales offset by lower deposits
- New life sales level at EUR 405 million; strong sales in the US offset by NL, UK and Spain
- Accident & health sales increase 24% to EUR 190 million driven by growth in the Americas
- Deposits decline 10% to EUR 9.4 billion, reflecting lower stable value deposits
- Market consistent value of new business increases strongly to EUR 173 million as a result of product repricing and improved margins
- Continued strong capital position and cash flows
- Capital base ratio of 75.0%, in line with target of at least 75% by year-end 2012
- IGDa) solvency ratio increases to 222%
- Operational free cash flow of EUR 448 million, excluding market impact of EUR (407) million
Statement of Alex Wynaendts, CEO
"During the third quarter, we were again able to capture the benefits of AEGON's strategic priorities, resulting in solid earnings growth, improved profitability of sales, lower expenses and a continued strong capital position. Our franchise remains healthy, as evidenced by the particularly high level of At-Retirement and pension sales. At the same time, we are making essential investments to reshape our businesses in both our established and developing markets to respond effectively to the changing conditions and new realities. Although there are signs of gradually improving market conditions, there remains considerable uncertainty in the general economic environment. Consequently, we believe it is prudent and necessary to maintain a sufficient financial buffer while at the same time adhering to our strict risk and pricing discipline. The steps we are taking across our organization to get closer to our end customers, combined with the strength of our current position, give us full confidence in the prospects for our business going forward."
Key performance indicators Q3 Q2 Q3 YTD YTD amounts in EUR millions b) Notes 2012 2012 % 2011 % 2012 2011 % Underlying earnings before tax 1 472 443 7 361 31 1,340 1,176 14 Net income 2 374 254 47 60 - 1,149 791 45 Sales 3 1,550 1,604 (3) 1,620 (4) 4,912 4,292 14 Market consistent value of new business 4 173 117 48 93 86 415 351 18 Return on equity 5 7.7% 6.8% 13 6.8% 13 7.0% 7.4% (5)
- Aegon launches a new online banking platform in the Netherlands
- Workplace Savings platform launched in the United Kingdom
- Aegon regains its place in the Dow Jones Sustainability European Index
Aegon's ambition
Aegon's aim to be a leader in all of its chosen markets by 2015 is supported by four strategic objectives: Optimize Portfolio, Enhance Customer Loyalty, Deliver Operational Excellence and Empower Employees. These key objectives have been embedded in all Aegon businesses. They provide the strategic framework for the company's ambition to become the most-recommended
life insurance and pension provider by customers and intermediaries, as well as the most-preferred employer in the sector.
Continued economic uncertainty has increased the opportunities for Aegon in pursuing its clear purpose of helping people take responsibility for their financial future. To capture these opportunities, Aegon will accelerate the development of new business models by investing in innovative, technology-driven distribution channels, to connect better and more frequently with customers, improve service levels and increase retention rates. Aegon's accelerated investments in technology will also better support intermediaries adapt to the changing distribution environment.
In recent years, Aegon has implemented a broad restructuring program to sharpen its focus on its core lines of business, significantly reduce its overall cost base, and create greater efficiencies across the organization. This has resulted in a better balance between spread-based and fee-generating business, a substantially improved risk-return profile, the divestment of non-core businesses, a lower cost base, and an improved capital base ratio.
Optimize portfolio
At the end of September, Aegon launched a new online bank in the Netherlands, called "Knab". This innovative new platform gives customers increased insight into their financial situation and uses state-of-the-art technology to provide easier lifetime financial planning. Knab also allows the company to interact with customers in real-time and to use client feedback to ensure that all offered solutions meet customer needs.
In the United Kingdom, to capture opportunities in the At-Retirement market, Aegon launched its new platform proposition called "Aegon Retirement Choices" in November 2011. The company recently added its Workplace Savings proposition to the platform with the unique feature of allowing customers to remain on the platform as an individual customer throughout retirement. Pension reform and the Retail Distribution Review will transform pension products and services and how they are distributed. Aegon's platform offers a compelling solution to advisers, employers, and their employees. Positive market response has helped the company secure a number of strategic distribution agreements, reaffirming Aegon's leading role in the pensions and At-Retirement market.
On October 1, 2012, Aegon Asset Management closed the transaction to sell its minority stake in Prisma Capital Partners, a provider of hedge fund solutions, to KKR for a total consideration of
EUR 100 million. Prisma's contribution to underlying earnings totaled EUR 8 million for the first
nine months of 2012.
Aegon expects that the consolidation of Spanish savings banks will lead to exiting one or more of its joint ventures in Spain. Following the announced merger between Banca Cívica and CaixaBank, Aegon reached an agreement to end the life, health and pension partnership with Banca Cívica and to sell its 50% interest in the joint venture to CaixaBank for a total consideration of EUR 190 million. The transaction was closed on October 11, 2012 and will result in a book gain of EUR 35 million before tax which will be accounted for in the fourth quarter of 2012. Aegon's share in underlying earnings before tax of the joint venture totaled EUR 13 million for the first nine months of 2012.
Deliver operational excellence
In the Netherlands, Aegon is on track with reorganizing its business to be more agile and better positioned to respond to changing conditions and opportunities in the Dutch market. The reorganization program, and other initiatives, will result in reducing the cost base for Aegon the Netherlands by EUR 100 million, compared to the cost base for 2010. The cost savings aim to offset pressure on underlying earnings from increased longevity provisioning and a declining life insurance back-book. Up to and including the third quarter, Aegon has implemented costs savings of EUR 80 million.
Aegon retained its place in the Dow Jones Sustainability World Index for 2012-2013, and regained its position in the European index after a one-year absence. This was due to a significant improvement in the company's overall sustainability rating. Aegon has made substantial progress in several key areas. In particular, the company has improved its approach to human resources, brand and customer relationship management. The introduction of a company-wide framework governing pay and remuneration, as well as the further progress of Aegon's talent management program also strengthened overall performance. In addition to the DJSI, Aegon is included in the FTSE4Good Index, and was recently admitted to Vigeo's Advanced Sustainability Performance Index for euro zone companies.
Financial overview c) EUR millions Notes Q3 2012 Q2 2012 % Q3 2011 % YTD 2012 YTD 2011 % Underlying earnings before tax Americas 344 339 1 307 12 975 957 2 The Netherlands 82 71 15 68 21 232 223 4 United Kingdom 26 25 4 9 189 80 31 158 New markets 70 64 9 46 52 222 184 21 Holding and other (50) (56) 11 (69) 28 (169) (219) 23 Underlying earnings before tax 472 443 7 361 31 1,340 1,176 14 Fair value items (126) 101 - (288) 56 131 (396) - Realized gains / (losses) on investments 128 85 51 102 25 258 397 (35) Impairment charges (35) (42) 17 (132) 73 (118) (294) 60 Other income / (charges) 3 (254) - (54) - (268) (73) - Run-off businesses 12 6 100 (5) - 16 27 (41) Income before tax 454 339 34 (16) - 1,359 837 62 Income tax (80) (85) 6 76 - (210) (46) - Net income 374 254 47 60 - 1,149 791 45 Net income / (loss) attributable to: Equity holders of Aegon N.V. 373 254 47 60 - 1,148 790 45 Non-controlling interests 1 - - - - 1 1 - Net underlying earnings 369 337 9 308 20 1,034 980 6 Commissions and expenses 1,382 1,570 (12) 1,575 (12) 4,351 4,588 (5) of which operating expenses 11 798 814 (2) 886 (10) 2,393 2,570 (7) New life sales Life single premiums 1,125 1,068 5 1,073 5 3,353 3,988 (16) Life recurring premiums annualized 293 321 (9) 298 (2) 943 938 1 Total recurring plus 1/10 single 405 428 (5) 405 - 1,278 1,337 (4) New life sales Americas 12 126 126 - 103 22 372 309 20 The Netherlands 25 23 9 32 (22) 80 137 (42) United Kingdom 206 211 (2) 199 4 630 663 (5) New markets 12 48 68 (29) 71 (32) 196 228 (14) Total recurring plus 1/10 single 405 428 (5) 405 - 1,278 1,337 (4) New premium production accident and health insurance 190 187 2 153 24 572 457 25 New premium production general insurance 12 13 (8) 12 - 39 39 - Gross deposits (on and off balance) Americas 12 6,391 6,644 (4) 7,376 (13) 20,427 18,019 13 The Netherlands 275 367 (25) 584 (53) 1,202 1,488 (19) United Kingdom 5 9 (44) 11 (55) 22 47 (53) New markets 12 2,755 2,737 1 2,525 9 8,575 5,034 70 Total gross deposits 9,426 9,757 (3) 10,496 (10) 30,226 24,588 23 Net deposits (on and off balance) Americas 12 904 738 22 2,840 (68) 2,703 3,033 (11) The Netherlands (480) (66) - 54 - (731) (174) - United Kingdom (6) (1) - 1 - (8) 17 - New markets 12 1,208 619 95 1,502 (20) 3,191 (2,704) - Total net deposits excluding run-off businesses 1,626 1,290 26 4,397 (63) 5,155 172 - Run-off businesses (301) (479) 37 (1,121) 73 (1,940) (2,528) 23 Total net deposits 1,325 811 63 3,276 (60) 3,215 (2,356) - Revenue-generating investments Sept. June 30, 30, 2012 2012 % Revenue-generating investments (total) 463,041 451,988 2 Investments general account 147,955 147,065 1 Investments for account of policyholders 156,831 151,633 3 Off balance sheet investments third parties 158,255 153,290 3
Underlying earnings before tax
Aegon's underlying earnings before tax increased 31% to EUR 472 million in the third quarter of 2012. This is the result of business growth, a strong delivery on cost reduction programs, favorable markets and currency movements. Earnings included a positive effect of EUR 17 million, as one-time provision releases of EUR 39 million were partly offset by the negative effect of customer behavior assumption updates of EUR 22 million.
Underlying earnings from the Americas rose to EUR 344 million. The 12% increase compared to the third quarter of 2011 is due to underlying growth in the business, and a strengthening of the US dollar against the euro offset by the non-recurrence of favorable items last year. Earnings in the third quarter also included a one-time benefit from changes in post-retirement benefit plans of EUR 27 million, while the net negative impact of assumption changes amounted to EUR 29 million.
In the Netherlands, underlying earnings increased 21% to EUR 82 million. This increase was mainly the result of higher earnings in Life & Savings which included a one-time provision release of EUR 8 million, partly offset by lower margins in Pensions and Non-life.
In the United Kingdom, underlying earnings increased to EUR 26 million. This strong improvement in earnings compared to the same period last year, was driven by the non-recurrence of extraordinary charges and the successful implementation of the cost reduction program. Earnings were negatively impacted by adverse persistency and investments in new propositions in the pension business. It is expected that this will continue in coming quarters.
Underlying earnings from New Markets increased 52% to EUR 70 million. Higher results of Aegon Asset Management, as well as from Asia and Central & Eastern Europe were partly offset by lower underlying earnings from Spain and Variable Annuities Europe.
Total holding costs decreased 28% to EUR 50 million as a result of Aegon's Corporate Center expenses being charged, in part, to operating units as of the first quarter 2012. These charges reflect the services and support provided to operating units by the Corporate Center. Charges to operating units in the third quarter of 2012 amounted to EUR 16 million.
Net income
Net income increased to EUR 374 million as higher underlying earnings and realized gains on investments, more favorable results on fair value items and lower impairments were only partly offset by higher tax charges.
Fair value items
The results from fair value items amounted to a loss of EUR 126 million. The most important contributors to the loss were the negative results from the equity hedge programs in the United States and the United Kingdom, negative revaluation of direct real estate investments in the Netherlands and the impact of lower credit spreads on the valuation of Aegon bonds.
Realized gains on investments
In the third quarter, realized gains on investments amounted to EUR 128 million and were mainly the result of normal trading activity in the investment portfolio.
Impairment charges
Net impairments improved significantly and amounted to EUR 35 million. Gross impairments remained relatively stable compared to previous quarters and were primarily linked to residential mortgage-backed securities in the United States, partly offset by strong recoveries.
Other income
Other income amounted to EUR 3 million, mainly the result of UK policyholder tax with an equal
and opposite charge in the tax income line offset by restructuring charges of EUR 3 million in
the Netherlands and a one-time provision of EUR 5 million in Poland.
Run-off businesses
The results of run-off businesses amounted to EUR 12 million and were driven by improved results
on the institutional spread-based business and BOLI/COLI, only partly offset by lower results from payout annuities.
Income tax
Income tax amounted to EUR 80 million in the third quarter, translating into an effective tax rate of 18%. The main drivers of the lower than nominal tax rate were tax exempt income in the Americas and the Netherlands, tax credits and the benefit of a tax rate decrease in the United Kingdom.
Return on equity
The increase in return on equity to 7.7% for the third quarter of 2012, was driven by the positive effect of growth in net underlying earnings only partly mitigated by higher shareholders' equity excluding revaluation reserves. Return on equity for Aegon's ongoing businesses, excluding the run-off businesses, amounted to 8.6% over the same period.
Operating expenses
In the third quarter, operating expenses decreased 10% to EUR 798 million as a result of cost savings, lower restructuring charges and the one-time benefit of changes in post-retirement benefit plans in the United States. On a comparable basis, operating expenses decreased 4% compared with the third quarter of 2011.
Aegon's total sales amounted to EUR 1.6 billion. New life sales were stable, as increased sales in
the Americas and the effects of favorable currency movements were offset by lower sales in the Netherlands, the United Kingdom and Spain. In Spain, sales declined mainly as a result of lower production at joint venture partners due to a number of adverse developments in the Spanish market, as well as the exclusion of sales from its partnership with CAM. Gross deposits remained strong for the variable annuity, retirement plan and asset management businesses, partly offset by lower stable value deposits. New premium production for accident & health insurance increased, mainly driven by strong travel insurance sales in the United States.
Market consistent value of new business
The market consistent value of new business increased to EUR 173 million mainly as a result
of product repricing in the United States, a higher contribution from mortgage production in
the Netherlands and improved margins in the UK annuity business.
Revenue-generating investments
Revenue-generating investments rose 2% compared to the second quarter-end 2012 to EUR 463 billion at September 30, 2012. This was mainly the result of favorable markets and net inflows.
Capital management
Aegon's core capital excluding revaluation reserves amounted to EUR 18.7 billion, equivalent to 75.0%6 of the company's total capital base at September 30, 2012. This is in line with the company's capital base ratio target of at least 75% by the end of 2012.
Shareholders' equity increased to EUR 24.5 billion. This increase was mainly a result of the third quarters' net income and an increase in the revaluation reserves. The revaluation reserves increased by EUR 1.4 billion during the third quarter to EUR 5.9 billion, mainly a reflection of lower credit spreads and interest rates. Shareholders' equity per common share, excluding preference capital
and revaluation reserves, amounted to EUR 8.50 at September 30, 2012.
In 2012, Aegon aims to maintain excess capital at the holding of at least EUR 750 million. During
the third quarter, excess capital in the holding remained stable at EUR 1.6 billion. The dividends received from operating units were offset by interest payments, dividends on common shares and operational expenses.
At September 30, 2012, Aegon's Insurance Group Directive (IGD) ratio amounted to 222%, an increase from the level of 216% at the end of the second quarter. Measured on a local solvency
basis, the Risk Based Capital (RBC) ratio in the United States increased to ~480%. This was the result of a combination of strong net income and a capital management transaction that made
USD 575 million of additional regulatory capital available, partly offset by dividends paid to the holding company. The IGD ratio in the Netherlands decreased slightly to ~255% mainly the result
of lower interest rates and credit spreads, while the Pillar I ratio in the United Kingdom remained level at ~130% at the end of the third quarter of 2012.
Cash flows
Operational free cash flow amounted to EUR 41 million. Excluding negative market impacts of
EUR 407 million, the operational free cash flows amounted to EUR 448 million. Market impacts related mainly to lower interest rates and narrowing credit spreads. Operational free cash flows excluding market impacts were particularly strong during the quarter, mainly the effect of model refinements.
Operational free cash flows represent the distributable earnings generated by the business units.
The impact of capital preservation initiatives is not included in the reported operational free cash flows. Aegon is on track to improve operational free cash flow from its 2010 normalized level of
EUR 1.0-1.2 billion per annum by 30% by 2015.
The Hague, November 8, 2012
Media conference call
7:45 a.m. CET
Podcast available after the call on aegon.com
Analyst & investor conference call
9:00 a.m. CET
Audio webcast on aegon.com
Dial-in numbers
United States: +1-480-629-9673
United Kingdom: +44-207-153-2027
The Netherlands: +31-45-631-6905
Two hours after the conference call, a replay will be available on aegon.com.
Aegon's Q3 2012 Financial Supplement and Condensed Consolidated Interim Financial Statements are available on aegon.com.
Use this link for the full version of the press release: http://www.aegon.com/en/Home/Media/Press-Releases/2012/2012/AEGON-delivers-strong-earnings-growth-and-increased-value-of-new-business-/
Cautionary note regarding non-GAAP measures
This document includes certain non-GAAP financial measures: underlying earnings before tax and market consistent value of new business. The reconciliation of underlying earnings before tax to the most comparable IFRS measure is provided in Note 3 "Segment information" of Aegon's Condensed consolidated interim financial statements. Market consistent value of new business is not based on IFRS, which are used to report Aegon's primary financial statements and should not be viewed as a substitute for IFRS financial measures. Aegon may define and calculate market consistent value of new business differently than other companies. Aegon believes that these non-GAAP measures, together with the IFRS information, provide meaningful supplemental information that Aegon's management uses to run its business as well as useful information for the investment community to evaluate Aegon's business relative to the businesses of its peers.
Local currencies and constant currency exchange rates
This document contains certain information about Aegon's results, financial condition and revenue generating investments presented in USD for the Americas and GBP for the United Kingdom, because those businesses operate and are managed primarily in those currencies. Certain comparative information presented on a constant currency basis eliminates the effects of changes in currency exchange rates. None of this information is a substitute for or superior to financial information about Aegon presented in EUR, which is the currency of Aegon's primary financial statements.
Forward-looking statements
The statements contained in this document that are not historical facts are forward-looking statements as defined in the US Private Securities Litigation Reform Act of 1995. The following are words that identify such forward-looking statements: aim, believe, estimate, target, intend, may, expect, anticipate, predict, project, counting on, plan, continue, want, forecast, goal, should, would, is confident, will, and similar expressions as they relate to Aegon. These statements are not guarantees of future performance and involve risks, uncertainties and assumptions that are difficult to predict. Aegon undertakes no obligation to publicly update or revise any forward-looking statements. Readers are cautioned not to place undue reliance on these forward-looking statements, which merely reflect company expectations at the time of writing. Actual results may differ materially from expectations conveyed in forward-looking statements due to changes caused by various risks and uncertainties. Such risks and uncertainties include but are not limited to the following:
- Changes in general economic conditions, particularly in the United States, the Netherlands and the United Kingdom;
- Changes in the performance of financial markets, including emerging markets, such as with regard to:
- The frequency and severity of defaults by issuers in Aegon's fixed income investment portfolios;
- The effects of corporate bankruptcies and/or accounting restatements on the financial markets and the resulting decline in the value of equity and debt securities Aegon holds; and
- The effects of declining creditworthiness of certain private sector securities and the resulting decline in the value of sovereign exposure that Aegon holds;
- Changes in the performance of Aegon's investment portfolio and decline in ratings of Aegon's counterparties;
- Consequences of a potential (partial) break-up of the euro;
- The frequency and severity of insured loss events;
- Changes affecting mortality, morbidity, persistence and other factors that may impact the profitability of Aegon's insurance products;
- Reinsurers to whom Aegon has ceded significant underwriting risks may fail to meet their obligations;
- Changes affecting interest rate levels and continuing low or rapidly changing interest rate levels; changes affecting currency exchange rates, in particular the EUR/USD and EUR/GBP exchange rates;
- Changes in the availability of, and costs associated with, liquidity sources such as bank and capital markets funding, as well as conditions in the credit markets in general such as changes in borrower and counterparty creditworthiness;
- Increasing levels of competition in the United States, the Netherlands, the United Kingdom and emerging markets;
- Changes in laws and regulations, particularly those affecting Aegon's operations, ability to hire and retain key personnel, the products Aegon sells, and the attractiveness of certain products to its consumers;
- Regulatory changes relating to the insurance industry in the jurisdictions in which Aegon operates;
- Changes in customer behavior and public opinion in general related to, among other things, the type of products also Aegon sells, including legal, regulatory or commercial necessity to meet changing customer expectations;
- Acts of God, acts of terrorism, acts of war and pandemics;
- Changes in the policies of central banks and/or governments;
- Lowering of one or more of Aegon's debt ratings issued by recognized rating organizations and the adverse impact such action may have on Aegon's ability to raise capital and on its liquidity and financial condition;
- Lowering of one or more of insurer financial strength ratings of Aegon's insurance subsidiaries and the adverse impact such action may have on the premium writings, policy retention, profitability and liquidity of its insurance subsidiaries;
- The effect of the European Union's Solvency II requirements and other regulations in other jurisdictions affecting the capital Aegon is required to maintain;
- Litigation or regulatory action that could require Aegon to pay significant damages or change the way Aegon does business;
- As Aegon's operations support complex transactions and are highly dependent on the proper functioning of information technology, a computer system failure or security breach may disrupt Aegon's business, damage its reputation and adversely affect its results of operations, financial condition and cash flows;
- Customer responsiveness to both new products and distribution channels;
- Competitive, legal, regulatory, or tax changes that affect profitability, the distribution cost of or demand for Aegon's products;
- Changes in accounting regulations and policies may affect Aegon's reported results and shareholder's equity;
- The impact of acquisitions and divestitures, restructurings, product withdrawals and other unusual items, including Aegon's ability to integrate acquisitions and to obtain the anticipated results and synergies from acquisitions;
- Catastrophic events, either manmade or by nature, could result in material losses and significantly interrupt Aegon's business; and
- Aegon's failure to achieve anticipated levels of earnings or operational efficiencies as well as other cost saving initiatives.
Further details of potential risks and uncertainties affecting Aegon are described in its filings with NYSE Euronext Amsterdam and the US Securities and Exchange Commission, including the Annual Report. These forward-looking statements speak only as of the date of this document. Except as required by any applicable law or regulation, Aegon expressly disclaims any obligation or undertaking to release publicly any updates or revisions to any forward-looking statements contained herein to reflect any change in Aegon's expectations with regard thereto or any change in events, conditions or circumstances on which any such statement is based.
About Aegon
As an international insurance, pensions and asset management company based in The Hague, Aegon has businesses in over twenty markets in the Americas, Europe and Asia. Aegon companies employ approximately 25,000 people and have nearly 47 million customers across the globe. Further information: aegon.com.
Media relations
Greg Tucker
[email protected]
Investor relations
Willem van den Berg
[email protected]
Video: http://www.multivu.com/mnr/58637-aegon-quarter-3-results
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