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Easy credit conditions In the wake of the dot com burst and the 9/11 attacks, the Federal Reserve chairman Alan Greenspan initiated a series of interest cuts that brought down the Federal Funds rate to 1% in 2004 in order to keep the economy strong. In addition, between 1996 and 2004, the USA current account deficit increased by $650 billion, from 1.5% to 5.8% of GDP. Financing these deficits required U.S. to borrow large sums from abroad, much of it from countries running trade surpluses. Large and growing amounts of foreign funds (capital) flowed into the USA to finance its imports. This created demand for various types of financial assets, raising the prices of those assets while lowering interest rates. This created easy credit conditions for a number of years prior to the crisis, fueling a housing construction boom and encouraging debt financed consumption. The combination of easy credit and money inflow contributed to the United States housing bubble. Loans of various types (e.g., mortgage, credit card, and auto) were easy to obtain and consumers assumed an unprecedented debt load. Sub prime lending The general notion in the U.S. was that the housing prices are always rising. This belief that housing is a safe and good investment led to mania for home ownership. People who already had a home were prepared to buy another. Those who could not afford a house contacted a mortgage broker who got them in touch with a mortgage lender. The investment banker then borrows millions of dollars and offers to buy the mortgages, converts them into Collateralized Debt Obligation ( CDO ) which contains 3 tranchesunsecured (risky), Mezzanine (okay) and Senior Secured (safe). As the payments on the mortgages come in, the safe tranche fills up flowing down to the okay tranche and then finally to the risky tranche. If some borrowers default on their mortgages, less money comes in and the bottom tranche may not get filled. To compensate for the additional risk, the interest was higher in the bottom tranche. The investment banker sold these tranches to investors, hedge funds, pension funds etc. In the beginning, these tranches were overflowing and everyone was getting great returns. So the investors asked for more tranches from the banker who asked for more mortgages from the lender. But all those who qualified for a mortgage already had one.
The prime borrowers now faced a strange situation. Now suppose the value of the assets declines by about 3% to $300. They found out that their mortgage payments were now greater than the value of the house they owned so they also put the house on sale. This adverse condition of the banks was also accentuated by increased debt burden and over leveraging. As more and more sub-prime mortgages default. This is summarized by their leverage ratio. Many financial institutions were facing this scenario. the sub prime borrowers defaulted on their loans and the banks get their houses which were rising in value.S. The SEC has conceded that self-regulation of investment banks contributed to the crisis Each of the five largest investment banks took on greater risk leading up to the subprime crisis. It is an accounting identity (a rule that must be true by definition) that assets equals the sum of liabilities and equity. let's suppose an investment bank has $310 in assets. These firms had ratios closer to 30. This is a leverage ratio of 300/10 or 30-to-1. A highly leveraged institution can have its equity wiped out due to relatively minor swings in the value of its assets. the Securities and Exchange Commission relaxed the net capital rule which enabled investment banks to substantially increase the level of debt they were taking on. they typically issue new common stock shares to the public in exchange for funds. the U. fueling the growth in mortgage-backed securities supporting subprime mortgages. the house ownership passes on to the bank. In the event of a default in mortgage payments. In 2004. The mortgage pool was now running dry as the mortgage payments were not coming in. The institution still owes its debt holders $300. Sub prime lending required no down payment or proof of income. So the banks now stop buying or lending anything. As one would expect. However. . which is the ratio of total debt to total equity. This led to a series of foreclosures. this dilutes the ownership of current shareholders.This gave rise to sub prime lending. A higher ratio indicates more risk. the value of these houses gradually start to plummet as the supply now far exceeded the demand. this would be great for them. The lenders start writing up riskier mortgages. so equity must be zero. To get more equity or capital. But the investors do not want it as they already own CDOs that are plunging in value. A ratio of 10-15 is more typical of a conservative bank. These mortgages became riskier to the point where one could get a mortgage without presenting any document at all! This was the turning point. $300 in debt and $10 in equity capital. For example. these firms significantly increased their leverage ratios. The bankers thought that since the housing prices are always rising. From fiscal years 2003-2007. The investment banker now held hundreds of worthless CDOs which he needed to sell to pay back the huge sums he borrowed to buy the mortgages.
and provided asset management services and credit protection products to investors. a New York-based fund. It was under pressure after it was accused of missing numerous red flags and ignoring tips on Madoff's alleged fraud. Approached Goldman to structure the deal through which he could monetize his views on the sub-prime mortgage market.. The SEC contends that the firm did not disclose the role of Paulson. Paulson. which took a bearish view on subprime mortgage loans by purchasing protection through credit default swaps ( CDSs ) on various debt securities.now recognized as a heavy bettor against the subprime market. a hedge fund manager. is a global investment banking and securities firm which engages in investment banking. PARTIES INVOLVED AND MOTIVATION OF DIFFERENT PARTIES Goldman Sachs.John Paulson is the founder and president of Paulson & Co. Inc. and have recently received significant media attention. The agency charged a case against Goldman for fraud. a larger and more dilutive issuance of shares is required. Their main business is trading for their own accounts and creating trading opportunities for clients for which they get a fee. ACA Management ±ACA was the asset management subsidiary of ACA Capital Holdings. Hedge fund manager. Paulson created the Paulson Credit Opportunities Funds. ACA acted as the Portfolio Selection Agent for the 2007-AC1 transaction.SEC is a federal agency which holds primary responsibility for enforcing the federal securities laws and regulating the securities industry.The Goldman Sachs Group. Beginning in 2006. to potential investors. When share prices have been reduced as was the case in 2008. investment management. Goldman Sachs's duty was to serve as a market maker whose job was to structure and execute a transaction to meet multiple client needs. Paulson. securities.. invested $42 million in the . ABACUS 2007 AC1 The deal became a subject of controversy when the Securities and Exchange Commission ( SEC ) filed a civil fraud lawsuit against the investment bank on grounds of misrepresenting material facts in the offering document. Securities and Exchange Commission (³SEC´) .was allegedly involved in the selection of the securities that went into the deal. These funds earned substantial profits. Inc. and other financial services primarily with institutional clients.placing downward pressure on the stock price.
and sold protection to Goldman Sachs on the $909 million notional amount super senior tranche of the transaction. ABN AMRO was one of the largest banks in Europe and had operations in about 63 countries around the world.HE indexThe ABX. Moody's and Standard & Poor's. The premium rate for an ABX.A credit rating agency is a company that assigns credit ratings for issuers of certain types of debt obligations as well as the debt instruments themselves. In January of 2007. ABN Amro assumed the credit risk tied to the highest-quality parts of the Abacus CDO. OTHER WAYS TO MONETIZE ONE S VIEWS ABX.2007-AC1 notes. ABN Amro.HE index tracks the prices of CDS contracts written on a fixed basket of twenty. Paulson s selection criteria favored RMBS that included a high percentage of adjustable rate mortgages. California. IKB launched Rhinebridge Plc. called the fixed leg. and Banco Santander acquired ABN AMRO in 2007. Credit rating agencies. a consortium comprising RBS.Between 1991 and 2007. including multiple ABACUS transactions. Paulson performed an analysis of recent-vintage Triple B RMBS and identified over 100 bonds it expected to experience credit events in the near future. Florida and Nevada that had recently experienced high rates of home price appreciation. In late 2006 and early 2007. IKB Deutsche Industriebank -IKB is a German Bank founded in 1924. In the biggest banking takeover in history. meaning it should have been a safe investment. Goldman Sachs was working with IKB on a number of transactions. The deal had received the highest possible credit rating . Fortis. PAULSON S STRATEGY Paulson s funds bet aggressively against the mortgage market.HE index of a given vintage and credit rating is fixed until the vintage expiry date when the notional balances of the referenced . The protection buyer of an ABX.HE index of a given credit rating pays the protection seller a onetime up-front fee of par minus the observed market price of the ABX. through credit default swaps. a structured investment vehicle that invested heavily in the United States subprime market.by the top two agencies. and a high concentration of mortgages in states like Arizona.HE index plus a monthly premium. relatively low borrower FICO scores.stamped triple-A .
a bet on the portfolio performance. and/or bets on baskets of named securities since the referenced obligations of each index are known.HE indexed CDS allows short-sellers to either take large directional bets on the mortgage sector or individual banks in the sector.S.000 and then sells again at $110. In other words. An ETF's value is tied to a group of securities that compose an index. CBOE. These products provide opportunities for protection or profit in up or down markets.S. Although the exact size of the short-selling bets on the ABX. and extend to the housing industry the same tools for risk management and investment that previous CME innovations have brought to agriculture and finance. 2008)) and the Goldman Sachs bet on the ABX. Miami (MIA). ETFs are traded and exploited like any other stock on an exchange. Dow Jones and Company. The CME can be used by a homebuilder as a hedging tool by selling a futures contract at current prices to offset the risk of falling prices. defaulted. Investors are able to short sell an ETF. The ABX. Investors can also buy contracts based on a weighted composite index for all ten cities. also known as an exchange-traded product (ETP).obligations have fully amortized. ETFsAn exchange-traded fund (ETF).C. (WDC). is an investment fund traded on stock exchanges. Stock Market IndicesAmex. Boston (BOS). real estate values. San Diego (SDG).000 the index records a ten percent increase. The following markets are tradable: Composite Index (CUS). New York (NYM). Las Vegas (LAV). subprime RMBS pools. and Washington. Unlike either options or futures the investor is not offering to buy anything and will not end up owning a single house. it is known that these positions delivered two of the largest single successful payouts in the history of financial markets: the Paulson & Co. 2007)). . series of funds that secured $12 billion in profits from subprime bets based on the ABX indexes in 2007 (Mackintosh (January 15. Chicago (CHI). buy it on margin and trade it. Denver (DEN). Los Angeles (LAX).0 billion of losses on Goldman's $10 billion sub-prime portfolio holdings in 2007 (Kelly (December 14.HE indices is unknown. Chicago Mercantile Exchange The quote from the CME web page on housing futures reads: "CME Housing futures and options are the first comprehensive financial tools that make it possible to trade U. If a house sells at $100. and/or have been pre-paid equally weighted U.HE index that generated nearly $4 billion of profits and erased $1.5 to $2. NASDAQ. San Francisco (SFR). Standard and Poor s etc. A person who feels that the housing prices are going to rise significantly can purchase a futures contract at current prices. much like stocks. D. are certain indices that allow investors to monetize their views on performance of a number of companies.
It did that by stepping in to buy the riskiest portions of the CDOs. which was disclosed in some offering documents. while the investors in the supposedly safer parts of the security suffered big losses. traders said. generally triple-A rated portions of the CDO could not be sold. and other top banks in the run-up to the crisis to help create nearly $40 billion in collateralized debt obligations that in many cases the hedge fund also bet against. Those deals essentially were portfolios of derivatives that aped the performance of dozens of residential and commercial mortgage-backed securities. Magnetar offset its risk by betting against the default of these securities using instruments called credit default swaps. One feature of the Morgan Stanley deals was a structure that could increase the magnitude of the bullish investors' exposures to the underlying mortgage bonds. the supposedly least risky. It helped keep sales growing even as the housing market started to stumble. . People involved in the deals which were made just as the housing market was beginning to fall apart -said Magnetar pushed for particularly risky assets to go into the investments. Magnetar also received regular payments as its investments threw off income. Dead Presidents Deal Morgan Stanley arranged and marketed CDOs to investors. Without a buyer for the riskiest slice. Magnetar ended up making big profits when these CDOs collapsed. and its trading desk at times placed bets that their value would fall. By buying the risky bottom slices of CDOs. Since it owned a small slice of the CDO. created in mid-2006. The hedge fund acknowledges it bet against its own deals but says the majority of its short positions involved similar CDOs that it did not own. Magnetar says it never selected the assets that went into its CDOs. Magnetar didn t just help create more CDOs it could bet against. This feature. JP Morgan Chase. made it more likely that such investors could lose money if the underlying bonds performed poorly. They say Magnetar pressed to include riskier assets in their CDOs that would make the investments more vulnerable to failure.OTHER SIMILAR DEALS DONE AT THE SAME TIME Magnetar worked with Citibank. Merrill Lynch. Among the Morgan Stanley deals that have been scrutinized are the Jackson and Buchanan CDOs.
albeit from the category of 2006/2007-vintage Baa2-rated subprime RMBS. Libertas It is believed that Morgan Stanley may have engaged in fraudulent sales practices related to the sale of Libertas CDOs. Morgan Stanley knew securities in the Libertas CDOs were suffering a dramatic rise in delinquencies. the synthetic portfolio consisted of 90 Baa2 rated sub-prime residential mortgage backed securities ( RMBS ) issued in 2006 and early 2007. PORTFOLIO COMPOSITION Like countless similar transactions during 2007. bearish side of these transactions. These positions weren't disclosed in some deals. . but provided a misleading "risk factor" in a prospectus that rising delinquencies "may" hurt values in the $1 trillion residential mortgage-backed securities market.Morgan Stanley traders took the more profitable. according to traders. Form of CDS Bond Protection Buyer Short the credit risk Protection Seller Long the credit risk Payment only if credit event occurs Physical Settlement and Cash Settlement In a physical settlement. ACA ultimately approved 90 securities that it stood behind as the portfolio selection agent. Morgan Stanley knew the CDO's assets were much riskier than the ratings suggested but was highly motivated to sell the CDOs to investors because the firm was simultaneously "shorting" almost all the assets. the buyer of protection receives the net difference between par and the market price (also known as the recovery value) of the defaulted security. the buyer of protection delivers the defaulted bond to the seller and receives par in return. In a cash settlement.
interest shortfalls. The Pay-As-You-Go System ABCDS are structured as pay-as-you-go ( PAUG ) contracts with a physical settlement option. Credit Events There are generally four . to terminate the CDS contract by physical settlement. Under PAUG. delivering the bond to the protection seller in exchange for par in return. Maturity Date The scheduled maturity date of ABCDS is the legal final maturity date of the reference bond. prepayments. in whole or in part. the buyer of protection has the option. and an additional fixed payment leg. and only the status of that bond (e. Each ABCDS is written on a specific security. a floating payment leg. The buyer continues to make premium payments based on the notional of the ABCDS contract adjusted for writedowns and paydowns.. . and the protection seller makes payments equal to the writedown amount and. to some extent. etc.g. interest shortfalls.) is relevant to the parties in the contract. Maturity extension: The legal final maturity date of the reference cash bond is extended.Physical Settlement Bond Protection Buyer Par value of bond Cash Settlement 100-recovery rate Protection Buyer Protection Seller Protection Seller Asset Backed Credit Default Swap (³ABCDS´) Referenced entity in each ABCDS is a single ABS security.credit events. as defined in ABCDS: Failure-to-pay: The reference cash bond fails to pay all principal by the legal final maturity date. Write-down: The balance of the reference cash bond is written down. There are three payment legs to each ABCDS contract: a fixed payment leg. If a credit event occurs. the CDS contract remains outstanding. writedowns. Distressed rating downgrade: One of the three major rating agencies downgrades the reference cash bond to Caa2/CCC or below.
An investor with a particularly strong view or with a larger portfolio could. CDS also allow investors to acquire more exposure to a specific bond than is available in the cash market. Interest Shortfall Mechanics No Cap: The seller s obligation is equal to the full interest shortfall in each period. sell protection in a $10 million CDS contract referencing a BBB bond that has only $5 million outstanding. Increase Leverage Since CDS require no initial cash outlay (beyond any margin requirements). WHY ABS IS USED Acquire Credit Risk ABCDSs provide investors access to credit risks and rewards they otherwise may not be able to acquire due to scarcity of cash bonds. Investors with relatively high funding costs should find it more attractive to sell protection through ABCDS than to buy the cash bond and fund it on balance sheet.Pay-As-You-Go Payment Mechanics Payment Fixed Payments To/From Buyer to Seller Amount (s) CDS Premium Floating Payments Seller to Buyer Principal Writedowns Interest Shortfalls (up to cap) Principal Shortfalls Reversed Principal Writedowns Reimbursement of Interest Shortfall Payments Reimbursements of Interest Shortfalls Additional Fixed Payments Buyer to Seller Interest Shortfall It is the aggregate amount of interest payments from borrowers that is less than the accrued interest on the loan. for example. Variable Cap: The seller s obligation is limited to LIBOR (London Interbank Offered Rate) + CDS premium. Hedge Exposures . Fixed Cap: The seller s maximum exposure is capped at the CDS premium. they provide an efficient means of making leveraged credit investments.
By October 24. 06-2 ). Short the Market ABCDS allow investors to express a bearish as well as bullish view on the credit quality of ABS collateral in general. 99% of the portfolio had been downgraded. . January 2007: Goldman approaches ACA to propose they serve as the Portfolio Selection Agent for the proposed CDO. and other investors. investors in the ABACUS 2007-AC1 CDO lost over $1 billion. Our fee was $15 million.e. 83% of the RMBS in the ABACUS 2007-AC1 portfolio had been downgraded and 17% were on negative watch. We were subject to losses and we did not structure a portfolio that was designed to lose money says a Goldman Sachs spokesperson. concocted by Paulson. lost more than $90 million. in an email with the subject line Paulson Portfolio. The parties agree on the final portfolio of 90 RMBS securities on February 26. bank and originator margins have compressed. 2008. Paulson s opposite CDS positions yielded a profit of approximately $1 billion for Paulson. ABN Amro Bank NV lost more than $840 million and Dusseldorf. increasing their desire to hedge pipeline risk (i. 2007 to February 26. Paulson paid GS&Co approximately $15 million for structuring and marketing ABACUS 2007-AC1. itself. Goldman Sachs. By January 29. TIMELINE OF EVENTS December 2006: Paulson & Co.e. according to the SEC. 2007. This initial portfolio consisted of 123 subprime RMBS. the risk of spread widening after loan rates are locked but before they are closed and sold or securitized). January 9. approaches Goldman Sachs expressing interest in purchasing protection on (i.ABCDS can be used as hedging instruments for mortgage originators.. betting against) a basket of a BBB-rated. Germany-based IKB Deutsche Industriebank AG lost most of its $150 million investment. 2007. As a result. Goldman sends ACA the first proposed portfolio. As the market grew. subprime-backed mortgage bonds that closed around the second half of 2006 (i. The subprime mortgage market experienced an annualized growth rate of 50% over the past four years before 2007. The deal closed on April 26. banks. * Goldman Sachs Lost Money On The Transaction. 2007: Paulson and ACA debate the contents of the portfolio.e.
while Paulson s investment strategy is well known today. ACA Management exercised its own judgement in deciding which assets were included in the portfolio and rejected dozens of those suggested by Paulson. According to Goldman. Paulson's plan was to bet against the CDO. Allen Stanford. wanted to bet against the housing market. All participants in the transaction understood that . Paulson worked with ACA to determine what went into the CDO. Paulson & Co. according to the SEC. In that sense. Thirdly.A big hedge fund. GOLDMAN S CLAIM AND CASE Their claim is that the firm lost $90 million on the transaction. nothing in the record establishes that Paulson s involvement would have been significant in early 2007 to anyone involved in the 2007-AC1 transaction. But Goldman "knew that it would be difficult. This information was accurately disclosed. Paulson bet against the CDO and made a profit of $1 billion.SEC S CLAIM AND CASE The SEC faces political pressure to prove it is on the case of protecting investor interests. if not impossible" to sell the CDO if investors knew that a hedge fund played a "significant role" in deciding what went into the CDO. according to the SEC. It talked to Goldman about putting together a CDO full of mortgage-related assets that Paulson thought were likely to lose value. Goldman argues that the buyers of these products were sophisticated investors with their own sets of models to evaluate the risk associated and they should have known that these transactions involve betting on the success and failure of the underlying mortgages. Goldman said the assets in the CDO were "selected by ACA". the SEC says. then bet against it. Indeed. Secondly. Paulson paid Goldman $15 million for putting the CDO together. so it would profit if the CDO lost value. ACA had the final say in deciding what went into the deal. called ACA Management. which was in the business of selecting assets for CDOs. Case and claim. but also for failure to catch Ponzi schemes such as those of Bernie Madoff and R. ACA put its own money behind its analysis by investing in the notes itself and entering into a large swap referencing the portfolio. Goldman "misled ACA into believing that Paulson was investing" in the CDO. In its marketing materials. rather than betting against it. as it had a net long position that soured when the CDO went bust. Investors in the CDO lost over $1 billion. what was important to the note investors were the offering documents descriptions of the Reference Portfolio. So Goldman brought in another company. The agency is under scrutiny not only because of its role as a Wall Street cop as the financial crisis emerged. The marketing materials didn't mention Paulson..
Fourthly. Goldman Sachs had a duty to keep information concerning its client s (Paulson s) trades. opines Shepherd Smith Edwards and Kantas. POLITICIANS¶ VIEW Democrats called for greater regulation of Wall Street. Finally. Senate Banking Committee Chairman Chris Dodd-we don't need to know the outcome of this case to know that the opaque nature of unregulated asset backed securities fueled the financial . and that it shouldn't have mattered that Paulson was betting against ACA's interests. there is no basis to suggest that the portfolio would have performed any differently or that the economic outcome for the participants would have changed in the least had Paulson s role and interest been more transparent." faulty government regulations are to blame for most of the economic turmoil of the past few years. as a broker-dealer acting as an intermediary on behalf of a client. the bond insurer involved in the Abacus deal with Goldman. the SEC s proposed theory ignores the fact that. WALL STREET¶S VIEW Buffett said he's studied the charges against the investment bank and has "no problem with that Abacus transaction. a hedge fund manager at Fleckenstein Capital Management. It's far from the worst sin of this mess.". A disclosure that the relatively unknown Paulson was the entity to which Goldman Sachs transferred that risk would have been immaterial to investors in April 2007. Buffett said ACA.someone had to take the other side of the portfolio risk. was responsible for assessing the transaction's risks. "The players on both sides of the trade that the SEC has targeted knew the risks and knew one side was bound to lose. positions and trading strategy confidential. Synthetic derivative investments are so highly complex that even highly sophisticated investors can be defrauded. not investment banks. LLP Founder and Stockbroker Fraud Attorney William Shepherd. says Bill Fleckenstein.
His inclusion in the offering document would not have changed opinions of those who were better established than him. Which side Paulson was taking should have been immaterial to ACA and other sophisticated investors as they would have done their own analysis regardless of the other parties' intentions.moneycentral. creates a consumer protection bureau at the Federal Reserve and bolsters oversight of derivatives and hedge funds. Paulson was a relatively unknown investor.htm Lehman Brothers "ABS Credit Default Swaps.crisis. Senator Blanche Lincoln. COMMON MAN¶S VIEW After reading the SEC's case and Goldman's Defense Document. Wallace "ABX. Boehner said in a statement after the SEC lawsuit was announced.This is another example of how risky Wall Street behavior puts our nation's financial system in peril and further illustrates the need for the strong reform.S. it had every incentive to select the appropriate securities.com/2010/04/16/goldman-sachs-fraud-expla_n_540938.com/article/SB10001424052702303491304575187920845670844.funded safety net by designating them too big to fail. Dodd s bill sets up a mechanism for unwinding systemically important financial firms when they fail. House Minority Leader John Boehner. These are very serious charges against a key supporter of President Obama s bill to create a permanent Wall Street bailout fund. which it did.html http://www. And even as our country is still recovering from those mistakes.com/Investing/ContrarianChronicles/goldman-deal-gamblersknew-the-score. Moreover. REFERENCES http://www. an Ohio Republican. The bill gives Goldman Sachs and other big Wall Street banks a perpetual. at that time.msn. Goldman is in the business of facilitating transactions for its clients and investors. I do not think the SEC would have filed a case against Goldman had the mortgage market not melted down.aspx?page=1 http://online. I feel that SEC's case is one that is aided by hindsight and is not strong enough. said the SEC suit provided further reason to oppose the measure.HE Indexed Credit Default Swaps and the Valuation of Subprime MBS" .sec. Having the largest exposure of $951 million. U.huffingtonpost.wsj. What went into the deal was the sole responsibility of ACA.A Primer" Richard Stanton and Nancy E.html http://articles.gov/news/press/2010/2010-59. Wall Street financial firms continue to game the system. taxpayer.
there is no assurance that such rating will not be reduced or withdrawn in the future. such status or non-public information in connection with the Transaction Goldman Sachs does not make any representation.RISK FACTORS Goldman Sachs may. . reasonableness or completeness of the information contained herein or in any further information. by virtue of its status as an underwriter. Although at the time of purchase. recommendation or warranty. advisor or otherwise. to disclose. the Reference Entities and/or other obligations of the Reference Entities and has not undertaken. express or implied. such Collateral will be highly rated. nor is a rating a guarantee of future performance. possess or have access to nonpublicly available information relating to the Reference Obligations. adequacy. regarding the accuracy. notice or other document which may at any time be supplied in connection with the Transaction and accepts no responsibility or liability therefore. and does not intend.
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Calvin and Hobbes by Bill Watterson
- November 02, 2013
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Wish I had got one of those books.
It's a best seller.
Found only in the arcane section of the used book stores, in the basement, in the bottom drawer of a filing cabinet next to the disused lavatory with the sign saying "Beware of the Leopard".
There's a book?
That book that Dad made up and Calvin understands exists. (It fits into his child logic.)
How long before he figures out Dad is having him on — and
showing a bit of imagination of his own in the process.
Yes there are times I see exactly where Calvin gets it from.
I've always loved Dad's explanations to Calvin's questions. He's come up with a few doozies.
There's some good stuff in that book
I know, right? That's true too, I had forgotten about that! LOL I could never understand why she would get so mad . . . but then again, I do love a man with a good sense of humor.
What do moms get?
Mmmm – I'm waiting for Calvin to tape his eyes open to test this hypothesis . . . and who knows – it might just be true . . .
"Mythbusters" did a segment on this a few years ago. Adam and Jamie didn't blow their eyes out.
re: emjaycee
A classic.
"What do you mean you've never been to Alpha Centauri? For heaven's sake, it's only 4 light years away!"
This, along with Dad's explanation of why the world was black and white until the 1930s or so, is my favorite Calvin ever.
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mechanical design engineer jobs near Denver, CO
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Electrical Engineer
MEP Engineering, Inc - Centennial, CO
We are looking for an Electrical Engineer with the desire to utilize their experience in the AEC industry to provide innovative designs, serve our clients, and...
Systems Engineer
Lockheed Martin - Littleton, CO
Bachelor's degree in Aerospace, Mechanical, or Electrical engineering. Position will derive requirements and objectives for the integration and testing plans...
Mechanical Engineer 5 (Hood River, OR)
Insitu - United States
The Principal Mechanical engineer establishes overarching mechanical and electro-mechanical subsystem architecture standards....
Sr. Process Engineer- Mechanical/Dry Processes
Newton Talent - Littleton, CO
This senior process engineer will participate in efforts involving concurrent design for manufacturability and alternative process technologies....
Test Design Engineer
Creation Technologies - Golden, CO
Applies design principles; Design - Generates creative solutions; Utilizes appropriate tools and equipment to perform necessary design work including design...
Injection Mold Process Engineer (Blow Mold) (Relocate to Virginia Beach, VA)
STIHL Inc. - United States
Design of fixtures. Challenge – Work with Engineers, Leads, Scheduling, and other Production departments to create new and innovative solutions increasing...
Sr. Process Engineer- Wet Process/Plating
Newton Talent - Littleton, CO
This senior process engineer will participate in efforts involving concurrent design for manufacturability and alternative process technologies....
Process Engineer
Intermountain Electronics, Inc. - Denver, CO
Communicate customer needs to all internal relevant IE (internal) parties, including mechanical design, fabrication, assembly, and test/quality groups....
Plans Examiner/Combination Inspector
City of Wheat Ridge - Wheat Ridge, CO
Establish a professional working relationship with contractors, engineers, architects, property owners and employees....
CAD Drafter (Telecom)
Pinnacle Consulting - Denver, CO
Experience with telecommunications design and/or wireless design a plus. Resolve discrepancies by collecting and analyzing information through collaboration...


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Thinking that this series has received pretty decent ratings from different sites, and coming from Wixia. I felt that I would end up liking this series, however after reading 13 chapters, I have been disappointed. So far, the story has focused on training, not the game, but practice! I do not mind stories that focus on practice, but this is too much. I bet someone might insist that I keep reading, but if it does not catch my attention after 10 chapters, and there is no rising tension.See full review
This is a really kind story even if it has so many action and drama scenes. The romance is very subtle and delcate, as if their romance is whispered to the reader. Prohibited love doesn't look repulsive at all but totally unfair and tragic. I believe one very important part is the softness on the drawings. Angels always look very pure and powerful. Chihaya, being the only black angel is the only one that looks innocent and kind, giving a very interesting contrast. Characters are always growing which makes a delightful experience to see them gradually change. Overall this story is great even if you don't... See full review
Zettai Heiwa Daisakusen is a manga that is fairly short in length and would be better if it was even shorter. However, I am not saying that I dislike the idea behind the story, even if it is one that has been used countless times in novels, anime, and manga. The problem here is that some of the cute things in the story, become boring when done continually over and over and the pacing is horrible. No I am not being overly critical. The story could actually have gotten a decent score out of me if it just cut through the repetitive crap and didn't spend 1/2 of each... See full review
This story is so cute! It's about a messy boy and a girl who loves to make evrything neat. The girl used to be made fun of for her habits, and she tried to never show her true thoughts afterwards. She succeeded, but she made no friends. Until she talks to the hopeless boy who sits next t he in class.See full review
I really loved this. It was so awesome. It was almost like that main character was Naruto except with more knowledge, and things go right for him. I love how he uses his past knowledge to help his peers even the ones he did not know well in his previous life. Although I think that insted of liking who he likes he should like a different person(or at least that's who I ship him with. I would recommend this manga to everyone. It is such a good read.See full review
I'm sorry I couldn't give another rating but a 10, because is what I really felt when I finished this shoujo manga. Before anything else, I have to confess I thought it was so cliché when I watched the anime, but in the end it just invited me to continue reading the manga. So I did. It took me two days to finish the anime and manga (yes I was so into the story). The most incredible thing about this manga is how the characters develop, how they grow up, and the change in their personalities comparing them to how they start off, and in the end. The male protagonist, Kou, I have to say he surprised me... See full review
This manga is currently through it's seven volume and the eighth volume is set to come out in March 2016. If you were or are a fan of the original Genshiken, then this sequal is totally worth reading.See full review
What I have to say about this story: This manga is the epitome of Traditional Shoujo Romance all the way down to the finest detail. That being said, the story is full of overly done character introductions, extremely cliche and over dramatized situations, steriotypical main character types which includes but is not limited to: the naive princess, the pirate, the overprotective palace guard, and the superpowered strong silent type guy. There's even a reverse harem (of sorts) pining after the same woman. So yeah.... if traditional shojo romance is your thing, you will... See full review
The premise is this story is is not really original. It involves a two strangers who were arranged to marry each other due to some cockamamie reason. Predictably, they don't get along at first but eventually fall in love. Also, unsurprisingly, there is drama along the way. Despite this, the story is actually a pretty good read. It's a light read that has a little bit of mystery, tragedy, comedy,smut and a whole lot of romance, drama, and anguish. As a whole, the biggest con were the characters themselves. I have a sort of love/hate feeling towards the main characters Hokuto and Chiwa. ... See full review
After reading the first volume of this series I thought 'hey, this could be a fun series to read. A nice, simple who-dunnit series ' After the second book I was starting to question just how simple the plot really was. Something about it all seemed to be a bit off. Having just finished the third book, I can safely say this is definitely not a simple plot. Even to the very last page there were plot twists that left me in shock - I could barely keep myself from turning the page. I wont go into too much detail because basically anything I say about it is a spoiler, but this is an absolutely amazing... See full review
Hellper is a totally underrated manwha on this site. As Thor123 pointed out Hellper is HUUGE in Korea, but outside Korea this little gem is mostly unnoticed. Story The story is very shounen-like, the main character has to save his loved one, encounters strong enemies and has to fight but he keeps his own good morals and honor no matter what happens. But it works because it is done so well, the action is great, the comedy is funny and the story draws you in wondering what will happen next without getting too predictable. I also like how the author switches between Hell and the world of the... See full review
I'm not into S/M and dominance sexual relationships. Freedom, communication, love and understanding is the thing that makes my motor move, so I do feel I can't extpress and understand the feelings of sadist dominator and its masochist slave. The only thing I can't complain on this manga is the excellent and erotic drawings. Which were made with incredible quality. Pretty recomended if you are into this type of kinks. So this manga has 3 story, two of them connected about a submissive teacher and his master student, two students in love and a traumatized bully student and his target teacher. The story... See full review
I'm not going to make this a long review. For now I just wanted to say that i love that each chapter ends with some humor. As previous reviewers have mentioned, it really does depend on your sense of humor, and this matches mine completely. I find it completely entertaining, and I can imagine it as an anime. As for the rest...story, art, characters... I don't have much to say in depth. The story is captivating so far. I think the humor keeps me eager to read the next chapters. The art was a little different for me because its not like the mangas I've read (this is my first manwha). The art isn't bad. The... See full review
When it comes to Korean webtoons, Hellper is a bit of an oddball. Although in Korea it's about as popular as Tower of God (a poll on Naver even put Hellper above ToG), it doesn't get much attention outside of Korea. This is painfully clear in the meager 7 ratings this manhwa has at this time, while ToG has about 2000. So now I find myself here, trying to put in words why Hellper is good and why you should read it. The story centers around Jang Gwangnam, leader of Killberos. Killberos is a group made up of gangsters, who were gathered by Gwangnam... See full review
One of my favorites! Plz release new chapters. This manga is about a girl who is shy but is not when she dances and be a boy. She is actually the popular boy,Ai. She meets Hayate,a popular boy(she meets him as a boy) and forms an idol unit when she wanted to defeat Hayate,but ends up forming an idol unit. Hayate actually likes her(Ai Real name:Shizuka Ishiai) -I think he likes her based on clues when the went on a "date".See full review
This review stops at the beginning of chapter 5 because I honestly couldn't waste any more time reading on. I can definitely say this manga is not reverse harem. The relationship is set up to be Aoi and Himari with the other two characters honestly just supporting Aoi. It's all a tad stereotypical. Himari needs to rescued over and over and is thus saved by Aoi over and over and eventually falls in love with the guy. Aoi is, of course, obvlious. Also not too sure why he insists she "not see this form" and even when he kindly asks not to look she's blatantly staring in the next... See full review
A very light-hearted and fluffy one-shot collection about "first loves". Recommended for shoujo fans!See full review
This manga is great if you a perv who likes light BDSM or are curious. Also good if you like smut. In my opinion it never goes overbored with its content so read on unafraid. I think it does a good job at covering the feelings of the chacters and why they end up trying things. The main relationship is both cute and agrivating, simply because of how ignorant they are about their own emotions. All in all it you won't want to put it down and even if you arn't into BDSM by the end you will look at the rope in stores just a little bit longer. Art: I personaly thing the art is... See full review
Main concept=Teach me about love! This manga is about a girl wanting to learn about love, so the popular boy teaches her, turns out he actually never knew anything about love. This time, it's her turn to teach him. Butshe doesn't know either until a boy confesses to her and he(main) tells her to... (not spoiling)See full review
A story about a girl who has the "sight". A story about her and the student council. This is a story about Sakura and the student council who can also see and even has magical powers. But in the end(ongoing) Sakura is revered as the princess and her destiny, who was also her destiny partner before her reincarination was...?(NOT SPOILING!!!!!!)(I meant by the destiny, her fated partner)See full review
Miriam is an older manga. Just looking at the art you can tell right away. The mangaka who created Miriam made other excellent works like From Far Away. So I was pretty sure that this one would be good and it lived up to my expectations completely. I'd suggest it to any romance reader. This story is a western romance with both action and adventure mixed into it. The romance is slow but it needs to be considering that the main protagonists of the story, are only 8 and 17 years old at the beginning. As they get older this type of age difference isn't a issue but... See full review
Hohzuki Island is a relatively short manga by Kei Sanbe, the guy who also wrote Boku dake ga Inai Machi - which just got an anime this season, but I haven't tried it yet - and Cradle of Monsters, a mediocre zombie-manga about kids trying to survive on a boat. And well, there's some consistency there, because Hohzuki Island is a mediocre survival/horror/mystery manga too. First off, I have to say... See full review
from what i have read so far, it is a great developing love story. it hasn't really gotten to that bit yet but it is obvious the main two characters are going to be deeply in love. the characters are really cute.See full review
I love Blue exorcist.
Why you may ask?
Blue Exorcist is sad but funny at the same time.
Most Anime/Manga are serious or just funny
but Blue Exorcist is both.
One minute I would be crying and the next I would be laughing
Rin is just an innocent kid who lost the only family he knew.
The characters are unquie and one of a kind.
Over all a great story.
Honestly speaking, I cannot say enough about this story so far. Some people put it up next to Tokyo Ghoul but to me there is no real comparison. We could talk about similarities. However, in terms of story and character depth, there is no comparisons. They are like from 2 different worlds. The art is okay, but not exceptional. Comparing it to Tokyo Ghoul this is the only place Tokyo Ghoul outshines it at times. However, I also feel it's important to say that like any manga with good art, the creator doesn't skimp on the background art. Although it lacks the type of flare Tokyo Ghoul has, it feels... See full review
This manga has succeeded my expectations. The storyline was very interesting, but predictable. I could always predict what's going to happen after each situation and the relationship between all those characters. The protagonists and the secondary characters were all interesting, funny and lovely. I really liked the art and the personality of the characters, although they are quite stereotyped. What I also loved the most is the princess' growth during her adventures. My first impression of her wasn't bad because she wasn't behaving like a princess who's most of the time obedient and submissive. (I... See full review
I have so far read the 3 volumes that I purchased and I feel that it is important to say the first chapters that I had found online had whole portions were taken out of it. The scans are incomplete and only have 4 chapters anyway. So, basicly if you want to really read this one you will have to buy it or you will have to check it out from some library if they happen to have it... which I doubt. I saw it likened to Berserk so I thought, sure I'll give it a try. However, after reading 3 volumes I would say that suggesting it to be akin to Berserk is an insult to Berserk. In the 3 volumes I... See full review
Horrible. Absolutely horrible. The main character is pretty much raped by Kaoru and starts to develop feelings for him. Finally, THE PERSON SHE LIKED (from the beginning) ASKS HER OUT. Yay! We're getting somewhere. He'll kick Kaoru's ass and she'll forget all about the womanizing, sadistic bastard, but NO. Even though I saw it coming it was still frustrating. Right when she and Yukito are about to cunsumate their relationship she changes her mind, "I like Kaoru!" blah blah bullshit. It would have been decent if the manga had more depth and explained the psychological effects of being raped but it... See full review
The story was short though I felt like it actually explained much. The main characters are a snow fairy and a popular boy in school.In this story,the snow fairy(main)Hiori was described to be kinda the ugly one but I really felt like she was very pretty. As the story goes, I guess feelings change, but I wasn't really sure if he liked Hiori in the end though but he said he 'liked her(in different words)but...See full review
WARNING: NOT A SIMPLE HEART WARMING STORY ABOUT ADOPTING A CHILD SPOILER WARNING: The ending I found hard to come to terms with. It wasn't like the worst possible ending but I just can't believe that Dakichi truly had strong parental feeling because there is no way in hell a person who feels like a father to someone could marry their daughter. Plus its a 24 year age difference and I feel she wasted her potential. In the end I was routing for her to still be with Kouki because I just didn't want her to be with Dakichi. Why couldn't she have married Kouki and they all... See full review
Tezuka delivers a solid- and occasionally creepy- monster hunting manga that might not truly challenge his more well-known works, but is a good ride for those want to kick back and a watch a samurai hack and slash his way through Japanese folklore. STORY Monsters? Samurai? Revenge? You had me at 'Monsters', but the rest is good too. Our MC Hyakkimaru hacks and slashes his way across Muromachi-era Japan as he looks to reclaim the 48 parts of his body that demons took from him as a baby because of a Faustian bargain struck by his father. The set-up is certainly enticing, and the excection is good enough... See full review
Osamu Tezuka is widely considered the 'God of Manga' due to high output of work and inescapable influence on the medium. However, due his Disney-esque art style and the fact that his most popular works were primarily marketed to younger audiences, a newcomer could easily be forgiven for thinking his works are largely kiddie fluff. The Book of Human Insects blows any perceptions that Tezuka couldn't handle the heavy stuff to bits, with a story that could stand up to any number of hard-nosed 1970's Hollywood thrillers.
STORY Japan. 1970. The first generation born with no memory of Japan's... See full review
So far these stories are barely frightening, and the few unique stories that are presented never ring as truly chilling. Something is missing from nearly every story that would make it a cohesive scare. There are moments when I felt notes of dread but they quickly faded away when the anti-climactic conclusion had been reached. This is not Itou Junji's horror, or even Fuan no Tane which sometimes manages to be succinct and threatening. Everything is just flat. I have no problem with classic urban legends that we've all read before, but nothing new or interesting has been brought to the table... See full review
This manga is about conflicts about love and friendships. It's not much of a romance but there is. The main story I think is being noticed. Heee---the end is so funny and sweet.Megapig got in love(he is a boy) asked for advice from Teru and Hinata and Megapig 's crush cried because she thought he liked another girl. But in the end Megapig didn't need any of their advice and he said It was a waste of time to them lol Teru. And Hiaata said "Damn that pig!"See full review
So, it's filled with short stories by what I'm assuming is the same author and artis. I like the art, it's simple. I don't love it but at least it didn't make me sad. My favourite of all of them was Sensei+ which started out weird and like it was going nowhere and then ended in this absolute sweet way that just broke my heart. Overall, I liked all of the stories. It's nice to see different characters playing out their various love stories, some leave you with immense cliff hangers others are clear and direct. But I liked the variey and would read it again. It made me happy.See full review
In my opinion, I love this manga series. I love how they show the process of how Yuki starts realizing that she is falling in love with Naruse. I specially like they show their developed. This shouji manga has twisted to thier own way, not like the other shoujo manga use. This is also a sport manga and has lessons in it, whihc shows the true meaning of sport manga. ( Don't want to spoil it) The art is beautiful as such on the sport and romance scenes. I love the comedy, and the romance.See full review
The story is quite good and its nice for a quick read, it doesn't require a lot of consentration. It is a bit confusing but not major, only small details. Other than that I did enjoy the main character Leroy and how he deals with things. There is some humour in the story and a few suprises. Its still a good story.See full review
It's such a sweet story and you just want it to continue forever! The character's emotions are real based on the situations as well as their actions. The humour of the story is quite good as well as the inner conflicts that the character's expierence. I really hope that you will enjoy this as much as me.See full review
DRRR!!, also known as DURARARA!!, a manga, or Japanese comic, by Ryohgo Narita and his team was a good read. It was, in fact, really great to read. The first volume I picked up of it, I'll be honest, I wasn't sure what to think. It's a series with artwork in the manga along the lines of Soul Eater, if you've ever read or seen that series. So, I decided to check it out. Now, halfway through the first chapter or so, I wasn't impressed. The second character introduced, Kida-Kun, wasn't really a great one. He was a bit too egotistical and, not knowing much else about him, that didn't make me like him since I... See full review
chracters are good but the story is a little boring Gost who was popular in hight school folowed a scary faced man xD and talked to hem to go out with his girl friend in a date hahahaSee full review
Very unexpected. Reviewed after completing the manga. I was very pleasantly surprised by this manga at the connection the author had managed to create between the reader and the main character. We literally became the main character and it was as if our thoughts were being magically printed onto its pages as we read it. Weirrrd. Essentially what made this series stand out for me was that it taught me how a series with such a easily misunderstood title (search onani's definition if you don't know) managed to tell such an inspiring story of self-discovery and responsibility after a torrent of... See full review
Brilliant. Reviewed after completing the manga. This manga series is my long-standing personal favorite; its amazing art, the most awesome main character ever, its dark story, all just simply perfect. It is really difficult to say what makes this series awesome without spoiling its gigantic plot twist, so.. HNNGH- Okay, I'll beat around the bush and say that it made me think about the enormous potential of technology, and what a collective of like-minded people are willing to sacrifice for their desires. While the series tries to avoid confronting all the existential themes it possesses, all that... See full review
Wow. Reviewed after completing the manga. This series was unlike anything I've read previously.. Although initially put off by the art style (which I got used to), its extremely cynical take on humanity and its grey-morality of the whole thing really managed to make me think about a lot of things to do with the state of the world and everyone's potential for evil given the circumstances. It went on to show me in its full glory, uncensored portrayals of public shootings, school massacres, rape, and all the things you'd think the authorities will ban. It was eye-opening. I feel like the story was... See full review
i always think that making review is kind of boring cause no one read them xD (in general) But i couldn't help it this story is amazing in someway xD first of all i realy get mad of all the sex matters (i mean we search for drama not sex ...) (i look like a fool but i mean it) Spoiler ahead Sec : the characters are really awesome Especially the two mains characters in a first glance i was thinking that they are just two Boring characters but when i see what they live in the moment i've really moved they (xD that was lie but its really interesting story about the two) third : the fact... See full review
The last few years, summoning/reincarnation plot has become cliche. For some reason or another, I like that type of setting. Some title do it better than other, maybe because of world building, MC objective or the characters in the story. The reason I am enjoying this LN, is because of the pace and the MC. The pace is faster than Isekai Mahou wa Okureteru! and Maken no Daydreamer. The MC went through terrible abuse in his past life and continued in his present life, until he became slightly stronger. However, he still kind to those who are kind to him, but what I like... See full review
love it! amazing manga about two girls who are step sisters and have a quirky, romantic relationship! really good! However, anime-planet needs to update how far the chapters can go (unsure about vol) I am currently on ch. 20 waiting for 21 and as of when I'm typing this, you can only mark that you've read through ch. 16 d//-^bSee full review
The story has potential, with the characters, but their is an excess of internal dialogue between some of the characters. Their is not much speaking between the characters, only thoughts. I like the MC, but he is narrating almost everything (Re:Monster does it well). I am skipping most of the side comments of the narration and it does not seem that I am missing much. Also the MC is contradictory, because he says that he like researching magic, but looks down on the magic in the world he was summoned and has not tried to research it, yet.See full review
As far as titles set in the Middle Ages (or whatever fantasy settings that mirror that period) are, there's no denying that the bar for many has been set incredibly high. Such a time period of course embodies the idea "life sure ain't fair, the fuck are you gonna do about it". These stories involving folks that have to flounder about to in order to overcome harsh environments and extreme oppression tend to offer plenty of room for character arcs paved in blood and guts. Stories like Vinland Saga, Berserk, Vagabond, etc all easily satisfy those looking for well-drawn violence and well-handled... See full review
The type of romance and twisted love stories kept me reading it. The story was cute and so are the characters. I feel bad for Yanagi. WHY won't they just confess???The story was great and and In my opinion,the art was good.I think it is for people who like long stories. My most favorite part is when their classmates thought they we're dating but Yanagi a d Koujo said they weren't during the class reuninion. LoLSee full review
GOSH~cry~ the end is so sad but it was also a great ending. I don't usually give 10/10 scores but It was really good. So-quit the drama- so basically It is about a group of people thought we're more like angels the boy actually helped her(main characters) and she thought of him as so kind though it all starts when he asked her to be a take girlfriend to entertain ppl though they liked each other and in the end it leads the girl to part and--....(not spoiling..too good to be spoiled)See full review


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Technology in education, technology-related educational groups
Electrical Engineering- DAEEL-IFBA
Students of Electrical Engineering
Mathematik Abendstudium 2001/2002
Mailinglist für Studenten des Abendstudium Mathematik 2001/2002
Announcements from environmental engineering department
A discussion and information sharing forum for SKKU international and local faculty in English language.
Mailing list for Kearney Agriculture and Research Center
Chinese faculty discussion group
This mailing list is used for discussion the issues related to teaching Chinese.
Mailing list for student's project developed for team project subject at Adam Mickiewcz's University in Poznañ (Computer Sciense department).
This group is for current/former members of the Santa Clara Teaching Garden. Its purpose: to build a community around our shared love of gardening.
I am wanting to create this list for use of a class of students of automation, the Bahia Federal Institute of Education and Technology.
for all the blind in Bung Sang computer center to send email together
Discussion for students of Chemistry in the bayarea of california. A place for students to ask questions in regards to homework or to discuss topics covered in lectures.
Medi Asilo La Chiocciola 14/15
In this group we are going to discuss about education in kindergarten school. How teaches should communicate with the babies and how parents should communicate with teachers.
Adiministrative Director of High Fine Arts & Music Education
The M.L. of the italian administrative director of AFAM Institution
mailing list for the project of BA1, group 28, year 2013_2014
This is a mailing that will be use by and for the BA1 students in engineering for their year project. It will be use to contact them, transfer files etc
Educational service dedicated to provide tutoring on Math, Science, English and Computing, integrating ITC
System Security Basics Educational Course Technical University of Berlin Faculty IV - Electrical Engineering and Computer Science
Latest happenings about e-learning and blended learning
This mailing list is intended to provide all Colegio Maya Staff, Faculty, Parents and Students with a way to keep in touch with the latest activities and important or urgent announcements.
Members of the research group Eguana at the University of North Dakota will use this list to send emails pertinent to the whole group.
Syllabus Review of Indian Educational Institutes to filter out Brandings
If we hope to make the next generation of Indian students digitally literate, Free and Open Source Software (FOSS) is the most logical choice. However, the syllabus in many academic institutions *mandates* proprietary software and mentions them by brand names. This prevents teachers and students from choosing the software that best suits their needs and budgets. It makes the education system teach products not principles. And the benefits go to the owners of the brand names, not to the country, or the students or the teachers. To bring the benefits of FOSS to Indian students, one of the first steps we need to take is to remove the proprietary bias from the syllabus.
Research Network on EU Administrative Law
Uppsala Univ. - Info. and Media
Development list for GSoC 2010
Integrating ITC to Education
FIKNF is an association of teachers in Iceland that teach innovation, technology and entrepreneurial education. The association is run without membership fees built on voluntary work of members.
Moscow Thai language group research
List for a small group of people learning Thai language in Moscow and searching for technologies that improve whole process. Will be discussed: materials, learning technologies, learning instruments updates, etc. Target discussions planned are: 1. Education technologies - audio and video/slides as main learning instrument of a teacher and students in education process 2. Importance of electronic devices involvement - smartphones/apps, electronic readers, laptops. 3. Getting better education results with applications for iPhone/Android/Windows (development and possible projects discussing) 4. Communications in learning process - webinars, telephone and video-conferences with other countries/universities. 5. Optimization for electronic and distance learning - best type of material, best way to join seminars/webinars, getter better results in learning.
Place to discussion about study in electrical engineering mataram University
Community for new beekeepers in the city of Malmö
Klasse 9 Freie Waldorfschule Hamm
discussion mailing list of parents of waldorf school hamm
Unofficial Announcement List of the Physics Department of the University of Athens
HISTORY BRIDGES is a non-profit network of organizations and groups working on the history of 20th Century.
1st and 4th Year Computer Education Students
This is the place for general announcements on HUC CompEd classes.
Academic Staff - Department of Business Administration, University of Sri Jayewardenepura
Email list for M.B.A.
This listserv contains all students in the MANGT 670 (Systems Design) course. This listserv is to be used for the IT Innovations project.
General Physics II at Wesleyan
List serve for students taking PHYS116 at Wesleyan university
NUS Scholars Community is a community of scholars from the National University of Singapore. The list is meant to facilitate dissemination of information of events and activities for scholars to attend. NSC is aimed at nurturing leaders for tomorrow.
Promoting use of Free software and hardware for science education....Learning by doing and exploration....
Welcome to Tech Talk, a list serv sponsored through the College of Education and Human Development at the University of Texas at San Antonio. This group discusses issues related to the use of technology for teaching and learning. It is typically active during the spring and fall semesters. It is a student-moderated discussion intended to solicit ideas, advice, and resources from practitioners.
this is the mailing list of Glasgow University Coder Society
This is a mailing list of participants of SCCS sister conferences across the world.
Share education issues
A discussion & news group for the primary classes' parents. School #1440(Moscow, Russia).
This list will be an announcement email list for attendees of the recent NSF sponsored workshop titled: Complex Choice Behavior and Transportation Energy Policy.
SSCPS 2009 Grade One Parents Association
Class Listserver for CISB 102 students enrolled in the Monday and Wednesday class. 1-4pm
A list to be used by the graduate students of the Carnegie Mellon Statistics Department for social purposes.
Rethinking the Education Mandate in America and beyong
The purpose of this list is to gather ideas and information necessary to building a consensus and implementing an Education Agenda for America in the 21st century. Discussions will structured around the mission, vision, and goals described below. Our Mission: To teach, train, mentor, coach and empower a generation that will fulfill their collective responsibility. Our Vision: To make America truly a great nation, by making available Authentic Education to every student, especially Americas most disadvantaged Children. Goals: 1. Attract, recognize, develop, and equip talented teachers and empower them to take full responsibility for the authentic education of every child 2.To help Teachers discover their purpose in life and equip them to fulfill their responsibility. 3.To provide an environment for nurture, growth, and multiplication of the seed of significance and greatness from teachers to students. 4.To provide around school a community of achievement where stakeholders in the process of education have a common purpose, speak the same language, to achieve the common good for all.
HA-Betreuung Dreifaltigkeitskirche
This list is for coordination among Assistant Teachers at the Dreifaltigkeitsschule School in Münster, Germany. Coordinate schedule and usage of multimedia and IT devices. Ask questions and get help and ideas for the use of New Media and Web Technology. Invitation only.
Iona Prep Mother's Auxiliary Mail List
For the Mother's Auxiliary of Iona Prep in New Rochelle, NY to communicate with its members.
A closed list for parents of a primary school class in north-west Hamburg, Germany (2nd graders) in order to communicate without the need of having to maintain the recipient list in a decentralized way.
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|By Marketwired .
Article Rating:
|June 10, 2014 10:00 AM EDT
COLONIA, NJ -- (Marketwired) -- 06/10/14 -- At a time when consumer demand for purpose-driven brands and investor hunger for purpose-driven investment opportunities both are increasing, a New Jersey company is offering businesses and investors a triple win of supporting veterans and VFW posts, greening the environment through solar energy and reducing the nation's dependence on foreign energy sources. It is a formula that offers a powerful return on investment to all clients.
SolarCure, based in Colonia, New Jersey, is a cause marketing firm that recruits business sponsorship of solar panels for VFW posts to help them reduce energy costs while providing the sponsoring businesses green and veteran-friendly purposeful marketing that strengthens their own brand. SolarCure is the brain child of Raymond Saluccio, an established inventor, businessman and entrepreneur.
With SolarCure businesses can invest in a better future, as it engages with any businesses in the nation to adopt part of a solar array for a veteran organization. SolarCure offers any business an eco-friendly, and veteran-friendly brand, packaged with 25 years of inspiring patriotic content.
Once each solar panel system installation is completed, web based monitoring software will provide a constant feed of the multiple patriotic and environmental benefits each project provides.
Directly benefiting from this support will be the VFW posts that are seemingly forgotten. VFW enrollment nationally has dropped from 1.8 million in 2004 to 1.4 million today, according to the VFW headquarters in Kansas City, Mo. The number of posts worldwide has dropped from more than 9,000 to approximately 7,000 during that time.
Businesses can now quickly and affordably engage with SolarCure to support these posts while gaining a strong purpose-driven brand. Businesses can simply adopt part of a solar array to be installed at a VFW post. This adopted solar array will support the post with a reduced energy bill at no cost to the post. The purpose-driven branding then continues as the adopted solar arrays will improve the environment and create a more green-energy-friendly America.
This purpose-driven branding is affordable. For a low one-time cost, any business can become a sponsor of a solar panel. To date SolarCure has reenergized company brands across diverse business sectors, including automotive care, banking, credit card processing, education, floral, HVAC, insurance, IT, landscaping, law, manufacturing, printing, sports and recreation and trucking. As each solar panel generates power for its VFW post, the adopting business' brand will be leveraged through generations to come.
SolarCure is seeking an outside investment to capitalize its operation. This investment will provide an aggressive return to investors, conservatively 100 percent return on investment dollars, according to Saluccio. Risk has been minimized as the SolarCure model has already begun to show positive returns for businesses. By design, investment and SolarCure together create dividends both with financial gain and also with great social impact. SolarCure's unique product offerings will sustain investors and give clients powerful brand leverage and 25 years of patriotic content to influence the company's image and consumers.
SolarCure comes at a time when consumer demand for purpose-driven brands is increasing and investors are hungry for opportunities to invest in purpose-driven businesses. Business coach and entrepreneur Brian Whetten, writing in the Huffington Post, noted that the question in today's board rooms is "how can business be more of a force for good." Writing in Advertising Age, Bob Liodice, president of the Association of National Advisors, noted that 73 percent of surveyed marketers believe "brands with societal purpose will drive more business growth."
At the same time Willy Foote, founder and CEO of Root Capital, and Tracy Palandjan, co-founder and CEO of Social Finance Inc., wrote in Stanford Social Innovation Review that "investors crave these new opportunities" and pointed to the launch of Morgan Stanley's Investing with Impact Platform as proof.
Investing with Impact was launched in November 2013 with a five-year goal of $10 billion in investment in a range of products targeting social responsibility and environmental sustainability. Shortly afterward, Goldman Saks followed by raising $250 million for its social impact fund.
"SolarCure is positioned to sustain investors, our nation and our veterans," Saluccio said. "Impact investing is ready to break out from is niche of philanthropy-minded funders and capture the imagination of mainstream international investors. SolarCure has now captured the imagination of a nation and with little assets to be acquired it will become the poster child of sustainable impact investing for generations to come."
SolarCure also has engaged in offering veterans careers, committing to hiring at least one veteran per solar panel installation job in its nationwide solar installations.
About SolarCure
SolarCure is a for-profit cause marketing firm that specializes in helping businesses combine powerful messaging and brand promotion with legitimate, sustainable, renewable green energy practices -- all while helping veterans. For more information on career opportunities or how your company can grow its business while helping veterans and the environment, please visit http://www.solarcure.us or contact us at [email protected].
Raymond Saluccio
SolarCure Founder
Tel: 908.642-3029
[email protected]
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