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At CHC we help employers provide valuable, affordable benefits to their employees. Our custom plans make it easy to address your unique requirements. Take a close look at CHC's limited fixed indemnity plan details to find out what we offer. Then give us a call or stop by our Get a Quote page to get the ball rolling.
Century Healthcare, LLC (CHC) is building a future filled with smarter healthcare choices that meet the needs of today's employees.
The Century Healthcare, LLC
Limited Fixed Indemnity Benefit Plans
The CHC limited fixed indemnity benefit plans were designed for employees who cannot afford high deductibles or the cost of comprehensive medical insurance. Our robust plans utilize leading PPO networks to give our members substantial provider choices while reducing out-of-pocket costs on everyday medical expenses. Our "not so limited" benefit plans can be customized with additional ancillary products such as dental, vision, life insurance, etc. to meet an employer's unique needs and provide coverage for a wide range of benefits.
Whether you have ten employees or thousands, we can design a healthcare plan that is right for your organization, and reduce your implementation and on-going administration costs.
A Smart Choice
In addition to the bottom-line benefits to the company, limited fixed indemnity benefit plans make sense for employers for a number of solid reasons:
Smart for Employers
- One consolidated bill for all coverage including ancillary benefits
- Multiple enrollment options to fit your unique needs
- Toll-free Customer Service available 7am to 7pm Central Standard Time
- Trouble-free processing (enrollment, claims, billing and more)
Smart for Employees
- Affordable monthly or weekly costs
- Robust coverage with minimal cost
- National PPO networks
- Toll-free Customer Service available 7am to 7pm Central Standard Time
- Bilingual (Spanish) Customer Service Representatives
Business Benefits
- Gain a competitive advantage by attracting high-quality employees
- Improve employee retention, while positively impacting the bottom line
- Simplify administration and lower associated costs
For more information on how CHC addresses the specific concerns of our brokers, employers and members, please stop by the dedicated sections on our Web site.
The CHC Limited Fixed Indemnity Benefit Plan Advantage
Limited fixed indemnity benefit plans offer affordable insurance coverage for everyday illnesses and hospitalizations. They are designed to provide the most value for everyday services versus covering rare illnesses or catastrophic injuries.
Given the escalating costs of major medical health plans, limited fixed indemnity benefit plans are a mainstream insurance solution for those employers with employees that struggle with tight budgets – where affordability and little out-of-pocket cost at the time of service are critical. By offering the CHC limited fixed indemnity benefit plan that delivers the benefits that are most frequently used, you can ensure your employees and their families lead happier, healthier lives.


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Anger & Control Explored in Cathy Malkasian's TEMPERANCE
Anger & Control Explored in TEMPERANCE
In her second graphic novel, following 2007's Percy Gloom, Cathy Malkasian expects readers to revisit the world she's created and to ask themselves some very hard questions afterward. Temperance, her new book from Fantagraphics, doesn't provide answers; it only forces the questions, examining the role of violence and control in modern society.
Minerva, Temperance's most central character, finds herself torn between the influences of angry, mistrustful Pa and beautiful, serene Peggy, and when she takes charge of a cloistered society aboard an enormous ship, Minerva's looks for the most powerful means of keeping her flock focused and content.
The title character Temperance, a wooden doll carved from a forest where Pa and Peggy lived, has witnessed the range of humanity, observes the antics of humanity until he feels compelled to act, despite being himself torn apart by the conflicting influences of Pa and Peggy.
"Temperance started percolating years back," she explained. "Originally it was going to be a graphic novel, but it thumbnailed out at 550 pages, and I just couldn't commit myself to something so intense for so long. Then I wrote it out as a draft for a novel, but that proved unsatisfying, since so much of my writing is visually descriptive. Both of these earlier versions had very different plots. This version took two years to do, and was a thorough overhaul of previous versions. Many characters were cut out, and the plot changed drastically."
Malkasian laughed at the notion of readers trying to pull all the meaning from Temperance in one sitting.
"I had no particular literary goals," Malkasian said, before admitting, "What I wanted to touch upon was our current state of engaging in distant wars and how these have altered the lives of returning soldiers and their loved ones. This and the increasing taste for violence in our cultural palette. Do these currents rise together? Is the latter a reaction to the former? I still don't know, but I have a feeling we're seriously rearranging the role of violence in our collective mind. As usual, we are flirting a lot with violence in our popular media, in a very child-like way. We treat it with a kind of graphic fascination, but are still unnerved at exploring its consequences. Unless you show the full story you'll never get past the flirtation stage. So I wanted to make a story all about the long-term consequences of destructive choices."
He is contrasted by Minerva, who is driven by both her love for and fear of Pa. She manages to create a fairly productive, if deluded, society by promoting Pa as a figure of mythic proportion and providing a healthy bit of paranoid fear-mongering.
From her own perspective, Malkasian says that "Minerva is simply trying to manage in a world shaped in large part by Pa. She starts out believing that, by staying close to him, she'll be near the source of power and stay out of harm's way. It's a crazy logic, but one that people often employ when living in violent cultures with no way out.
Continuing on to discuss Peggy and Temperance, she said, "Peggy is actually the inextricable foil of Pa, the force of creation and the persistence of memory. Her influence seems to be in short supply, but it's there, as a whisper to Pa's shout. That's sort of the state of things in our world, too. The doll, like everyone and everything, contains both forces. It can get pretty hot headed with anger, with those destructive urges! Not the best disposition for a piece of wood."
The word temperance typically refers to a movement against alcohol or a general moderation of "excess." Temperance manages to avoid the extremes of both Pa and Minerva, yet there's a clear rage in him as well.
Coming from a background in animation, Malkasian – who co-directed 2002's The Wild Thornberrys Movie feature film – began pursuing comics as a creative outlet several years ago. The experience served as a training ground for her, but also served to push Malkasian toward the type of challenging stories she wished to see in animation.
With Temperance in the bag, Malkasian's already moving forward with new comic book projects. Next, she says, is "a comedy, which will be a nice change of pace!"

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About David
Originally from Clemson, South Carolina, mandolinist David Benedict is a Nashville-based performer, composer, and instructor seeking to blend tradition and innovation through his music. At an early age, David was intrigued by the distinct sound of the mandolin. This fascination eventually led him to delve deep into the rich aural music traditions of the instrument and set him on a lifelong path in pursuit of this music.
In 2009, David began performing and recording with Celtic folk band, Emerald Road. Since then, he has played at venues and festivals across the southeast including the Savannah Music Festival and TEDx Conferences–sharing the stage with such musicians as Casey Driessen, Matt Flinner, Julian Lage, Mike Marshall, Tim O'Brien, Darrell Scott, Missy Raines and others. In December 2013, he graduated with a unique degree in mandolin music performance from Bryan College in Tennessee where he studied with mandolinists Flinner and Marshall.
Over the years, David's broad tastes have led him to push the conventional boundaries of the mandolin by exploring a variety of musical styles. Although his roots and influences are primarily based in the bluegrass and Celtic traditions, he is also an accomplished performer of classical and jazz mandolin. David has also been observed to have a unique and authentic artistic voice as a composer. This distinct creative style is displayed in his recent debut album of original acoustic instrumental music entitled Into the True Country. Released in spring 2014, the album features a crew of outstanding musicians and was produced by Grammy-nominated mandolinist Matt Flinner.
Now, David performs regularly in an acoustic duo with Chattanooga finger style guitarist Michael Moore. Their 2015 release, Each by Side, showcases the unique textures of the mandolin and guitar idiom through a catalog of creative original music. Now, David also plays mandolin and guitar with Missy Raines and the New Hip.
See what others have to say about David:
David is one of the most inspiring lights on the creative acoustic music scene today. A talented player and composer who is paving the way for new and exciting music! I can't wait to see where he takes us!
Julian Lage
David Benedict is extremely talented, not just in the literal skills of playing the mandolin, but in putting together compositions that have the ability to conjure nostalgia while also feeling fresh and exciting. Benedict is quite literally keeping a tradition alive.
Ear to the Ground Music
David is part of a new generation of American mandolinists who are helping to reinvent our instrument. Super clean and accurate playing combined with a broad sense of composition and a sensitivity of style that is soulful yet clear and beautiful. While his roots are clearly bluegrass and celtic fiddle based, his tastes expand deep into jazz and classical as well. The future of our instrument is going to be in fine shape with young people like David Benedict taking the reins.
Mike Marshall
David Benedict proves that there are still wonderful melodies awaiting to be discovered by those with the mind to seek them.'
Target Audience Magazine


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Scenarist Aimée de JonghAvailable series in store category "Comic books"
Aimée de Jongh in the COMICLOPEDIA
" Aimée de Jongh is a Dutch animator and comic artist, whose style is a mix of manga and the francobelgian school. She published her first comics in 2004, when she participated in Fanthology, a contest for Dutch manga artists. Since then, she was a member of the dojinshi..." [ Read more ]


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Looked at on an international scale workplace related deaths outnumber those killed in wars, and the wars are trade wars for resources like fossil fuels or Coltan for mobile phones to supply the same Corporations that are so dangerous to work for.
Asbestos is still being mined and exported by Canada, uranium is still being mined and exported by Australia just these two socalled "peacefull" societies export deaths on a scale hardly considered.
The ILO did a report of 2 million deaths a year a few years back and it has not got any safer unless the workplaces have unions independent of corruption by the State (Politicians) or Corporations.
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Hotel - Novotel Erlangen access map
NOVOTEL ERLANGEN :The Novotel Erlangen Hotel is not only conveniently situated, it also offers quick access to the city center. It is just 1.2 miles (2 km) to the main train station and around 10 minutes' walk to the Erlangen Arcaden shopping center. The Stadtmuseum is also well worth a visit. Take the nearby A73 highway, Erlangen-Zentrum exit to reach the hotel. Nuremberg Airport is around 20 minutes away by car and the Nuremberg exhibition center 30 minutes. Siemens AG and Unikliniken are also located near the hotel.
Accessible by public transport
Railway Station
- ERLANGEN HAUPTBAHNOF (2.00 km / 1.24 mi)
- NUEREMBERG AIRPORT (18.00 km / 11.19 mi)
- MUNICH AIRPORT (170.00 km / 105.64 mi)
- FRANCFORT INT. AIRPORT (225.00 km / 139.82 mi)
Hotel addressHofmannstrasse 34
How to reach the hotelGPS :N 49° 35' 34.32'' E 11° 0' 48.16''
Contact the hotel
- Tel. (+49)9131/97470
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These prices may be based on different room types. Depending on the country, these prices may not include taxes, may include VAT only or may include all taxes (VAT and city tax). When prices do not include all taxes, the relevant taxes (VAT and/or city tax) will be stated in the following stages of the reservation process. The price is only guaranteed at the time of reservation.
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NEW YORK: Defenseman P K Subban's power-play goal 4:17 into the second overtime period lifted the Montreal Canadiens to a 4-3 win over the Boston Bruins in the opener of their Eastern Conference second round NHL playoffs clash.
It was the second goal of the game for Subban, who blasted a slap shot from the blue line past goaltender Tuukka Rask just seven seconds after Boston defenseman Matt Bartkowski was called for holding Brian Gionta.
The Canadiens wasted little time in scoring their second power-play goal of the game to take a 1-0 lead in the series.
Rene Bourque had a goal and an assist and goaltender Carey Price finished with 48 saves, including 15 in overtime.Rask finished with 28 saves for Boston.It was a fitting start to the 34th playoff series between the longtime rivals, who went into overtime for the 38th time in their 171 postseason matchups.
Boston defenseman Zdeno Chara had a great chance to win it about six minutes into the first overtime. The Bruins rallied from a 2-0 deficit on goals by Reilly Smith and defenseman Torey Krug. Montreal defenseman Francis Bouillon put the Canadiens back in front with 7:51 left. REUTERS


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PARKERSBURG-No. 10 Wheeling Park dominated play during the first eight minutes of their showdown at No. 6 Parkersburg South taking a 22-11 lead to the benches at the Rod Oldham Athletic Center.
But, thanks primarily to the play of senior Tyler Berry and a 22-for-35 showing from the charity stripe, the hometown Patriots rallied for a 71-65 victory over their Northern Panhandle rivals.
Senior Dylon Rippeto got things rolling for the red, white and blue with a pair of triples to ignite a 16-0 run by the host Patriots that erased a 26-13 Wheeling Park lead and gave Parkersburg South a one-point, 29-28, advantage at the intermission.
Article Photos
Photo by Jeff Baughan
Parkersburg South's Tyler Berry goes for a hook shot against Wheeling Park's Luke Saseen Friday during their game at the Rod Oldham Athletic Center. The Patriots won, 71-65. Additional photos of this event can be found at CU.newsandsentinel.com
Rippeto began the rally with his outside touch, but it was the inside presence of Berry, who came off of the bench to tally a game-high 22 points, that proved most damaging to the visitors, who dropped to 6-3 on the season.
Trailing by six, 28-22, following a pair of missed free throws by Park's Phillip Bledsoe, Berry scooped up a loose ball and laid the ball in for two. The 6-foot-7 post player followed that make with a short jumper and ended the half with back-to-back-to-back short range hook shots that sent the packed house into a frenzy.
Berry's hot hand continued into the second half as the senior knocked down a pair of free throws as South, now 10-0, opened the third quarter of play with a 14-4 run and finished the eight minute period with a commanding 20-8 advantage to take a 49-36 lead into the final quarter of action.
In the fourth quarter, the visitors clawed back to within six, 67-61, only to have the Wood County Patriots make good on 5-of-12 charity attempts over the final minute to preserve the victory.
Joining Berry in double figures for Parkersburg South was Cody Monroe and J.K. Kerr with 14 and 13 points, respectively. Junior Ryan Reinbeau led the visiting Patriots with 20 points. Retajjie Goodwin chipped in 11 points and Bledsoe led all rebounders with 13.
The game began as if Wheeling Park would run away with their first encounter with its Ohio Athletic/Three Rivers Athletic Conference rivals.
A rebound bucket by Luke Saseen was followed by a triple by Reinbeau and a pair of free throws from Goodwin to give the visitors a 7-0 lead with 6:23 remaining in the quarter. Parkersburg South, which plays host to Morgantown on Thursday, finally got on the scoreboard on a loose ball bucket by Kerr 16 seconds later.
Another triple, this one coming from Trenton Smith, and a layin by Saseen pushed Park's lead to 10, 12-2, before a short jumper and a free throw by Garrett Gilkeson sliced the deficit to seven, 12-5, with 2:50 left in the quarter.
That would be as close as the hosts would get in the period, however, as Reinbeau tallied Park's final 10 points of the quarter to give the visitors a 22-11 lead at the break.
Neither coach was available for comment following the game.


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To make reservations by phone, call 1-800-228-9290 in the USA and Canada (or any of our worldwide reservation telephone numbers).
After a complete transformation that earned recognition from Marriott International in 2016, the San Antonio Marriott Riverwalk captures the cityand culture and modern style. Set in the heart of downtown, our San Antonio hotel is adjacent to the Henry B. Gonzalez Convention Center and near dining, shopping and attractions, including the Alamo. The lobby is home to the Greatroom, a place to connect with free Wi-Fi or unwind with hand-crafted cocktails, and Cactus Flower Restaurant, serving authenticTex-Mex. Redesigned accommodations at our hotel near the San Antonio River Walk are a cool contrast to the vibrant city with a platform bed, wall-mounted flat-screen TV, multi-use surfaces, open, expandable closet and spa-like bathroom with a granite countertop and walk-in waterfall shower. Rooms also feature a balcony overlooking the River Walk. Guests can beat the heat or break a sweat with an indoor/outdoor pool and fitness center. Our 17,566 square feet of event space includes the 1,100-capacity Alamo Ballroom.
Riverwalk Hotel
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Posted: Mon Jan 24, 2011 11:02 am
Post subject:
morning ladies
just found out we are having a BOY!!!
sonographer not 100% but she said she is pretty sure, she pointed out the cord and what looked like genitals!!!!
very excited just need to think of names for the little monkey now!! and of course we can start shopping for lovely blue outfits!!!!
Posted: Fri Feb 04, 2011 9:48 pm
Post subject: Re: who's in the blue club?????(updated)
kitttie wrote:
Ok ladies so I thought I would begin a Blue Club thread so that we can see how many boys we got between us hehehehe.
Maybe we coud have a boy v's girl competition see if more boys or girls are born in 2009 hahahaha -- lets see how it pans out lool. well my name is heather and im due 4/20 2011 wow huh with a baby boy haha
Ok so to kick start:
Congratulations all the mummies in 2009 and early 2010 who had their boys -- Now i think its time i changed this post a bit! unfortunately i dont have the time to update everyones dates but we can still add them on this thread


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William Dorsey Brown
Position: RB
5-11, 228lb (180cm, 103kg)
Born: June 29, 1938 in Mendota, IL
College: Illinois (College Stats)
Weighted Career AV (100-95-...): 73 (485th overall since 1960)
High School: Mendota Twp. (IL)
Draft: Chicago Bears in the 2nd round (20th overall) of the 1961 NFL Draft., New York Titans in the 6th round (45th overall) of the 1961 AFL Draft.
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Convention on the Rights of the Child, 20 November 1989.
On 9 August 1993, the Secretary-General received from the Government of Slovakia, the following objection to the reservation made by Qatar upon signature (In this connection, reference is made to depositary notification C.N.457.1992.TREATIES-19 of 22 March 1993.):
"The Slovak Republic regards the general reservation made by the State of Qatar upon signature of the Convention on the Rights of the Child as incompatible with the object and purpose of the said Convention as well as in contradiction with the well established principle of the Law of Treaties according to which a State cannot invoke the provisions of its internal law as justification for its failure to perform a treaty. Therefore, the Slovak Republic objects to the said general reservation.".
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The Society of Chemical Manufacturers and Affiliates (SOCMA), in a statement submitted to the US House Subcommittee on Cybersecurity, Infrastructure Protection and Security Technologies, called for Congressional action to pass a three-to-five year authorization of current Chemical Facility Anti-Terrorism Standards (CFATS), which are scheduled to expire on Mar. 4, 2011. SOCMA is a trade association that represents batch and custom manufacturers, including contract manufacturers of active pharmaceutical ingredients, intermediates, and other fine chemicals.
In previously stating its position, SOCMA said it supports existing standards for chemical facilities being implemented by the US Department of Homeland Security (DHS) through the Chemical Facility Anti-Terrorism Act. CFATS are risk-based performance standards for the security of US chemical facilities. Although the fine-chemical and chemical industries support the CFATS program, they oppose mandating the use of inherently safer technology (IST). IST is a conceptual framework that covers chemical-processing procedures, equipment, protection, and when feasible, the use of safer substances.
"The need for annual reauthorization of the program has created uncertainty for the chemical industry, which is making large financial investments in tools and technology in order to comply with the current CFATS standards," said SOCMA President Lawrence D. Sloan, in a press release. "Without the assurance of a long-term authorization of chemical-security regulations, companies run a risk of investing in costly activities today that might not satisfy regulatory standards tomorrow."
Sloan cited the importance of implementing "the program from start to finish," which would provide DHS and chemical companies the ability to assess the overall efficacy of CFATS, identify its areas of strength and weakness, and subsequently make or recommend to Congress any necessary improvements. He additionally reiterated SOCMA's opposition to provisions included in House-passed legislation from the 111th Congress that would have required chemical facilities to use IST in their processes. "An IST mandate on the chemical industry would take decisions away from the process-safety experts who know their own processes the best," Sloan said in the release.
With regard to future chemical security legislation, SOCMA recommended that Congress should extend the authorization of existing chemical-facility security standards for three or more years. In its press release, SOCMA also called on Congress to "abandon any IST mandate, as it will create negative unintended consequences and increase or transfer overall risk."
For additional information on SOCMA's position on IST, click here.
For related articles, see:
SOCMA Voices Concern over Chemical-Site Security Bill (ePT)
House Committee Passes IST Requirements in Chemical Facility Security Bill (ePT)


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Feb 12 vs. Florida Panthers at BankAtlantic Center
Time: 7:30 pm
TV: Comcast Sports Network
Radio: 106.7 The Fan and Caps Radio Network
Florida Panthers (4-6-1)
Washington Capitals (3-8-1)
Washington starts a three-game road trip with the first of its two visits to South Florida this season. The Capitals are in Sunrise on Tuesday night to take on the Panthers in the second of three straight Southeast Division battles.
The Caps and Cats went head-to-head on Saturday night in Washington when the Capitals skated off with a much-needed 5-0 victory over the Panthers. The Caps turned in their best 60-minute effort of the season up and down the lineup in Saturday's triumph. Ten different Caps etched their names onto the scoresheet, and all four lines were noticeably involved.
Goaltender Braden Holtby made a few strong stops early to keep the Panthers in check until the offense could get rolling, and he finished with 27 stops and the fourth shutout of his NHL career. Holtby was also one of the 10 players who found the scoresheet; he threaded a perfect outlet pass to Troy Brouwer on a Caps power play to earn the second assist of his NHL career.
"I'm obviously glad we won," says Caps coach Adam Oates, "and it's nice to see some guys get goals that needed a little bonus. We did a lot of good things. But in the last couple of weeks, all I've been stressing is playing correctly. We did that. I think if we play that way we're going to win our share of games.
"That's the correct way to play. We can't let one game get to our heads. These guys are pros. You bounce back, you enjoy it. [Tuesday] we have another game to play."
Even with the win over Florida on Saturday, the Caps are still buried in the basement of the NHL's Eastern Conference standings. But if they can follow it up with another regulation win over the Panthers on Tuesday in Sunrise, they'll draw even with Florida in the standings.
Although they've won just three of their first dozen games of the season, the Caps are a mere five points off the leading pace in the NHL's Southeast Division. The Tampa Bay Lightning are currently setting that pace, and the Caps visit the Bolts on Thursday in the second stop of their journey.
After returning from a humbling loss to the Penguins in Pittsburgh last Thursday, the Capitals held a players-only meeting on Friday. Washington managed to eliminate many of the mistakes that had been previously plaguing its game in Saturday's win over the Panthers.
"I think it's guys just having pride in their game," says Caps right wing Troy Brouwer, "having pride in themselves and wanting to go out and be better than the shift that was out there just before them. And if the shift was in our own zone, then okay. Let's move the next shift into the neutral zone and try to get into the offensive zone. Try to create some opportunities and try to create some enthusiasm in our game.
"We need that healthy competition between our lines to try and outdo one another and be better, work harder. I think that's going to elevate our game to get some wins. "
The next task is to win on the road. The Caps are 0-4-1 away from Verizon Center this season, and the team's five-game winless run is the team's longest since it dropped nine straight (0-7-2) on the road late in the 2006-07 season, from March 6-31, 2007.
"We just need to continue with momentum and let the snowball build," says Caps right wing Eric Fehr. "When this team gets to feeling good about itself, I think we're pretty dangerous. We've just got to start getting lines scoring and getting confident. If we get confident, then we're going to be a much better team."
Washington played a dozen games in just 22 nights to start the season. After taking Sunday off, the Caps practiced on Monday before heading to South Florida. Since starting the season with three straight losses, the Caps have done a better job of adhering to Oates' system.
"Our system is to be aggressive and force turnovers," notes Fehr. "If you have guys sitting back, even one or two guys on the line, it breaks our whole unit up and we don't have the same chemistry and that's when [bad] stuff happens. I think we've got to just stay aggressive and force pucks and stay in the other team's end."
"I think it's just important to stick with the system. Our system is meant for all five players to be on the same page and if we have two or three guys off it's not going to work. It's just important that we stay with it and play as a team."
A quarter of the way through the 2012-13 season, the Caps figure it's time to build off Saturday's win, get a road victory and start that first winning streak of the season.
"I think any win at this point is what we're looking for," said Caps goalie Braden Holtby after Saturday's win. "Anything less is not acceptable. We've already given ourselves a big enough hole with being complacent. Right now, we're not going to let off the gas for the rest of the year. That's our plan and we're going to do it."
Holtby made 27 saves on Saturday to earn the fourth shutout of his NHL career. He will start again for Washington against the Panthers on Tuesday.
Brouwer's power-play goal against Florida in Saturday's game gives Washington a run of four straight games with at least one extra-man tally. The last time the Caps had such a streak was when they scored at least one power-play strike in four straight from Dec. 30, 2011 to Jan. 7, 2012, going 5-for-7 (71.4%) with the extra man during that stretch.
Florida's loss to the Caps in Washington on Saturday halted a four-game points streak (3-0-1) for the Panthers. The loss came in the final game of the Panthers' four-game road trip, a journey on which the Cats forged a 2-1-1 record.
Now Florida starts a four-game homestand with Tuesday night's tilt against the Capitals. The Panthers are 2-2 on home ice this season, and either Florida or its foe has scored five or more goals in each of those four games.
The Panthers won two of the three games played between the two teams in South Florida last season. Since winning all three games in Florida during the 2009-10 season, the Caps are 2-3-1 in their last six visits to BankAtlantic Center.
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SANTA MONICA, Calif. – Dealer Expo announces that asset management expert Mel Selway of P.A.R.T.S.* will create a Model Store Room for the DX Dealership -- a model retail outlet -- during Dealer Expo 2014, this Dec. 5-7 in Chicago.
"While we've had model showrooms at the show for many years that highlight merchandising techniques, the DX Store Room is a first," said Tracy Harris, senior vice president of Advanstar's Powersports Group (parent of Dealernews). "When you realize how much of a retailer's cash is tied up in that one aspect of the business, you start to understand just how useful this feature will be."
The DX Store Room will showcase optimal storage techniques for parts, accessories and gear inventory. Selway will deliver hourly presentations on inventory management and how to move obsolete parts. The Store Room will show:
- How to minimize space, so you can stock more or expand your showroom floor,
- How to organize for ease of location so you don't keep customers waiting,
- How to help the sale, by generating POS materials for associated items, and
- How to organize for exceptions by eliminating "dead weight" and avoiding "lost" inventory.
"It's not surprising how often stock rooms get a bit disorganized and become repositories for goods that are pulled and not properly re-stocked or parts that are returned and dumped in a bin," Selway said. "But many are amazed to learn how much money even minimal disorganization is costing their business."
Selway has worked in the vehicle industry since 1971, beginning as a set-up technician at a Honda-Yamaha-BSA dealership and continuing as a parts associate, parts manager and parts director in powersports and automotive dealerships. In 1990 Selway formed P.A.R.T.S.* (Parts Analysis, Renovation & Training Services Inc.) which offers asset and business management services to the vehicle industry at the dealership and manufacturer levels.
Selway's primary focus is the effective management of business assets – parts, accessories, gear, equipment, space, database and personnel. Selway can be contacted at 888.2.GET.MEL; firstname.lastname@example.com.
Previously announced for Dealer Expo 2014 is the DX National Retailer Conference, which includes Mark Rodgers' "Accsellerate the Sales" Workshop, The Retail Owners Institute, which will present lively and practical retail financial management training, and Dealership University, which will deliver three exclusive workshops as part of an in-depth Marketing Track educational program. Additional programs will be announced in June, said Mary Slepicka, group content director for Dealernews, which is organizing the conference.
Dealer Expo will be held Friday, Dec. 5 through Sunday, Dec. 7 at McCormick Place West in downtown Chicago. It will be preceded by the one-day DX National Retail Conference on Thursday, Dec. 4. All registered retail attendees are invited to the DX National Retail Conference educational sessions free of charge.
Attendee registration and hotel reservations are now open. Visit www.dealerexpo.com for information.


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The CME staff provides professional career coaching in a supportive environment. In individual sessions, students can explore their goals and create action plans for success. Appointments may focus on career plans and projects, on creating and editing promotional materials, and more. Additional mentoring is available through MSM's extensive network of accomplished alumni, faculty, and friends.
In addition to providing opportunities for students to negotiate and procure their own performance work, the office also recommends musicians for services throughout the year. These are often situations where time is of the essence or those that call for special repertoire; they range from small ensembles for high-profile corporate functions to chamber music series for private clubs. Musicians are chosen according to their reputations for performance excellence, reliability, cooperation, and eagerness to work. Students and alumni can download an Ensemble Referral form or a Musician Referral form.
Ensemble Referral form
Musician Referral form
Every year, the office receives hundreds of requests for private teachers. Those who wish to teach can fill out a form, submit a résumé, and have their names added to the lists mailed out to callers who request them.
Teacher Referral Registration Form
Online Resources
Recommended Books
For current students, faculty, and staff, the CME provides access to a range of career handouts plus BRIDGE: Worldwide Music Connection database, providing roughly 3,000 opportunities in music (auditions, teaching positions, administrative positions, competitions, grants, scholarships, festivals and beyond).
Details for current students, faculty, and staff
Available to MSM alumni, the JOBank Newsletter lists positions in performance, education, and arts administration each month. Alumni will find it a convenient and valuable resource for job hunting. The JOBank Newsletter is posted regularly for use by Manhattan School of Music Alumni through our Online Alumni Community.
Note: Once you have signed-in to the Online Community, click the "Job Listings" link on the left-hand side of the page.
Register or Sign In for the Online Community
Letters of recommendation can be kept on file to be copied and mailed out by the office on request. A fee of $10 payable by check to Manhattan School of Music is required to activate a credential file. The subsequent cost of distributing a credential is $4 per address requested.
In collaboration with MSM's Myers Recording Studio, professional, archival recordings of students' recitals can be adapted for students' promotional materials and websites. The studio is fully equipped with a digital multitrack facility and is staffed by veteran industry professionals.
Recordings Office
Casey Molino Dunn, CME Director
Eric Umble, CME Coordinator
917 493 4502
Room 113, near the main lounge
Meet the CME Staff
120 Claremont Avenue New York, NY 10027-4689 | Map | Main: 212 749 2802 | Box Office: 917 493 4428 | Contact
Copyright 2016 Manhattan School of Music


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All about fresh, flavorful food
by Faith Moser
Faith Moser, recipe, recipes, family recipes, banana bread, date bread, banana date bread
Faith Moser is the creator of eco ike {organic baby t's + cookbooks full of yummy, healthy and quick recipes for kids and grown-ups}! If you want your kids to grow, live, eat & play green, visit ecoike.com.
So many banana bread recipes… why make this one? It is downright delicious, so moist, and it literally melts in your mouth! The wonderful combination of bananas, dates and almond flour is scrumptious. This recipe will instantly become a favorite! To take it over the top, serve it warm with butter.
Almond flour is essential to this recipe. It is not always easy to find (most natural food stores and some large grocery stores carry it), and it is expensive, but it adds a delicious flavor, texture and moistness to this bread. For some variation, add cinnamon or nutmeg and 1/2 cup chopped pecans or walnuts.
1/3 cup (5 1/3 tablespoons) butter, room temperature1/2 cup brown sugar1 ripe organic banana, mashed1 egg7 ounces (almost 1 cup) buttermilk3/4 teaspoon vanilla3/4 cup almond flour3/4 cup all-purpose or wheat flour1 teaspoon baking soda3/4 cup organic dates, chopped
1. Preheat oven to 350 degrees. Lightly grease and flour a loaf pan and set aside.
2. In a medium mixing bowl, beat the butter for 30 seconds. Add the sugar to the butter and mix for 30-60 seconds until combined.
3. Add the banana, egg, buttermilk and vanilla; mix for another minute until thoroughly combined.
4. Add the almond flour, all-purpose flour and baking soda. Mix for 30 seconds until combined. Scrape down the sides with a rubber spatula.
5. Stir in the dates.
6. Spoon the batter into the loaf pan.
7. Bake for 55 to 60 minutes, or until a toothpick comes out clean when inserted in the center.
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Full CoverageBreaking News
UMaine football team hoping hard work during offseason pays offUPDATED 7:45 PM EDT Aug 10, 2013
The Black Bears open the season on August 31st at Norfolk State.Video Transcript
THE UNIVERSITY OF MAINE FOOTBALL TEAM WILL OPEN ITS SEASON THREE WEEKS FROM TODAY AT NORFOLK STATE. THE BLACK BEARS HAD MEDIA DAY ON FRIDAY AND SAY THEY HOPE THEIR HARD WORK DURING THE SUMMER OFF- SEASON WILL PAY OFF THIS FALL. "about 65 guys up here this summer, since ive been here for five years that has been the most we have ever had up here, everyday we would go out and go seven on seven and we had a great showing every day
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Firefighters with Barrow County Emergency Services will be joined with members from the Barrow Emergency Support Team/Community Emergency Response Team in hosting their annual "Empty Stocking" toy drive.
"All proceeds from this toy drive will again go to the Barrow County Holiday Connection store," said Lt. Scott Dakin. "This means that all donations will stay right here in Barrow County to help those of our neighbors that are in need this Christmas."
The toy drive will be held on Saturdays, Nov. 24, Dec. 1 and Dec. 8. Each Saturday from 10 a.m. to 2 p.m., firefighters and team members will be at the Barrow Crossing parking lot in front of the Staples store collecting new unwrapped toys and monetary donations.
If you cannot make it by on these dates, you can drop your donations off to any Barrow County fire station.
"We are asking citizens to come together as we help those neighbors in need," said Dakin. "Let's come together and make lots of children very happy Christmas morning."
Holiday Connection is a gift store that is operated by Family Connection, Communities in Schools of Barrow County. It is a collaborative of many different local agencies that work together to meet the needs of Barrow County citizens. They work with other agencies that are distributing toys to make sure that all those in need this year are helped by one of the organizations.
"I cannot imagine being a child and waking up excited for Christmas and finding no presents, or being a parent and having to decide between feeding my child or getting them a few presents," said Dakin. "Through the generosity of so many of our neighbors we can try and make sure these children wake up Christmas morning to unwrap presents."


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Won the Lottery? Call Your Lawyer!
By Mark Nestmann • May 21, 2009
While the odds are against you if you play the lottery, you might get lucky and win the jackpot. But if you do, your first call shouldn't be to friends or family to tell them of your good fortune. It should be to your lawyer.
Once you tell others of your winnings—or they learn about it in the newspaper or on television—they'll congratulate you. But then, they'll come to you looking for a handout. Long-lost friends will appear out of nowhere, likewise requesting assistance. Financial experts will contact you and offer their assistance in helping you invest your fortune. And of course, the taxman will want his share as well.
However, if you can keep your mouth shut, you can keep the entire matter private. Once you learn that you've won the lottery (or received a large inheritance, etc.), simply call your lawyer.
That's what the winner of a recent US$144 million Powerball jackpot in Maryland did. Instead of accepting the funds directly, he set up a limited liability company (LLC) and named his lawyer as the LLC's registered agent. Then, he sent the lawyer to collect the check.
Our anonymous Powerball winner will never see his in the headlines or on television. Neither will any legal or personal "parasites." He'll thus avoid the fate of past lottery winners such as William "Bud" Post, who won $16.2 million in the Pennsylvania lottery in 1988. Once word got out of Post's good fortune, his former girlfriend sued him for a share of the winnings. She won the lawsuit. Next, Post's brother hired a hit man to kill him, hoping to inherit the winnings, or at least part of them. Other family members harassed Post until he invested in their businesses. All of them failed, resulting in more financial losses.
Today, Post says, ""I wish it never happened. It was totally a nightmare." He now lives on a social security check and food stamps.
Naturally, the unnamed Powerball winner should take other precautions to enjoy his fortune without falling victim to the common foibles of lottery winners. He might want to avoid casinos and drugs, for instance. Both have been the downfall of numerous lottery winners. And he should avoid conspicuous consumption—at least in his own name. If he wants to live in a new luxury home, fine—but his attorney should arrange to purchase it through an appropriate structure that doesn't compromise his identity. Ditto for any luxury vehicles he might want to drive.
And if our winner is really smart, he'll invest the bulk of the money outside the United States, where prospective litigants won't be able to track it. He'll probably set up an offshore trust to hold the assets privately. Of course, he'll need to make a full accounting to the IRS of his offshore earnings.
Ultimately, if you find yourself the recipient of an unexpected windfall, take a deep breath before you do something stupid. Then, call a lawyer!
Copyright © 2009 by Mark Nestmann
(An earlier version of this post was published by The Sovereign Society.)


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Evicted in Spain
Juan Carlos Castano, 43, waits for the judicial commission to carry out his eviction in Madrid. Castano, a Spanish national who came from his native Colombia to Spain in 2000, stopped making mortgage payments after becoming unemployed in late 2009. Spain announced a detailed timetable for economic reforms and a tough 2013 budget based primarily on spending cuts on Thursday in what many see as an effort to pre-empt the likely terms of any international bailout. A quarter of all Spanish workers are unemployed and tens of thousands have been evicted from their homes since a housing bubble burst in 2008 and plummeting consumer and business sentiment tipped the country into a four-year economic slump.
Susana Vera/Reuters
Copyright © 2016, Orlando Sentinel


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Cash in transit
When one plays such an important role in supplying banking machines, they ought to be equipped with high-performance tools for cash processing systems.
TRAIDIS offers a complete range of quick banknote and coin sorters/counters for cash processing for high volumes of cash with an inner computer system so that productivity significantly improved, and to ensure processing efficiency.
References: Securitas, TEMYS, Trans Securité Express...
Coin Counters / Sorters
Bankote Counters / Sorters
Self-service cash deposit systems
Rolled coin Dispensers
Coin Lifters
Coin Wrapping Machine
Vacuum Packing Machine
Consult the products adapted to the cash in transit sector
|The Cité des Sciences
The Cité des Sciences chose TRAIDIS to equip all cash desks with D600 detectors.
|Effia, Eiffage and Q-Park
TRAIDIS accompanies Effia, Eiffage and Q-Park for the opening of their car parks.
|Local government finance offices
TRAIDIS pursues the equipment of the local government finance offices in counting and counterfeit detection material.


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The Tiger Woods Scandal: What Role Does Race Play?
Tiger Woods, who has roots in the black and Asian communities, once labeled himself "cablinasian," and seemed to work his entire career to transcend traditional boundaries of race. For the most part, the mainstream media hasn't discussed race much in its coverage of the growing scandal about the star golfer's extramarital activity.
But in the black media, a spirited discussion is taking place about the role skin color is playing in the tone of the coverage and the extent of it. Now that the furor has prompted Woods to take an "indefinite break" from golf and publicly confess his infidelity, the debate over how widely the affair is being covered and the role that race is playing in the story is likely to heat up even more. [For a "Saturday Night Live" skit that deals with race and Woods go here.]
Some journalists and bloggers in the black media have argued that the uproar over Woods' admitted infidelity has been amplified in part because he's a person of color, and also because he is married to a white woman, Elin Nordegren.
Ishmael Reed, a novelist and essayist, says that allegations of sexual impropriety that were made against California governor Arnold Schwarzenegger weren't made into as big of a story. (An essay in the Wall Street Journal in June of 2009 said "When Arnold Schwarzenegger ran for governor of California, highly-plausible claims that he had made unwelcome advances towards a number of women scarcely dinted his election prospects.") Reed says that Woods should talk to Schwarzenegger and "ask his advice."
Elinor Tatum, Publisher and Editor in Chief of the New York Amsterdam News, a leading black newspaper, said in an email that "The way I see it is that [Woods] has done what so many others have (Not that that is an excuse) and I think the mainstream media is doing its best to take him down."
Demetria Lucas, the Relationships Editor at Essence, a magazine aimed at black women, wrote on the publication's Web site that the press had taken the whole matter too far, though she didn't explicitly link the reason to race. "We're bordering on self-righteousness to think a celebrity who's fame is largely built off the skill to hit a ball really well, breaking color barriers in his sport, good sportsmanship, a wide, straight smile, and a tendency to be seen everywhere due to his billion dollars worth of endorsements is 'obligated' to put his non-sport related business in the street for us to gobble up like last week's leftovers," Ms. Lucas wrote.
Others have written that blacks are less engaged in the controversy because Woods was not visibly active in, or particularly connected to, the black community. "Tiger Woods almost never seemed to show any interest in African American females," wrote Boyce Watkins, a professor at Syracuse University and a prominent black blogger. "Unlike guys like myself, who admire Tiger for his achievements, I know a long list of black women who could care less if Tiger were to take his golf clubs and jump off the side of a 10-story building."
"Many African-Americans haven't forgotten Tiger Woods' 'Cablinasian' remark, which was seen as a denunciation of his race," says David A. Wilson, Managing Editor of theGrio.com, a black-themed Web site. "I would say that this is the reason why you haven't seen or heard a great deal of public outcry by blacks in support of Woods." He adds that the fact that many of Woods' alleged mistresses are white blonds "plays into the perceived notion that Tiger never truly accepted his own identity as an African-American."
Some commentators, such as Jenée Desmond-Harris, a contributor to the black Web site The Root, argue that the fact that many blacks seem disconnected from the Woods controversy is a sign of racial progress. "We're not feeling the same embarrassment over his incriminating text messages that we did with then Detroit Mayor Kwame Kilpatrick's infamous sexting," wrote Desmond-Harris.
"Now that he's been emancipated from being an ad exec's idea of a young, non-white role model, I can start thinking of him as one of my own," wrote David Swerdlick, another contributor to the Root.
Black comedians haven't given Woods a pass. Well before Woods admitted that he had been unfaithful to his wife, comic Wanda Sykes spoke out on her show and joked that marital issues were likely behind the golfer's car accident. Comic and author Steve Harvey recently joked that although Woods was someone he had always wanted to meet, he now didn't want to be seen with him.
Tatum said that black voices criticizing the scope of the Woods coverage may be muted because some black critics aren't all that passionate about the superstar golfer.
"I think the issue may be that Tiger has really never connected with the Black Community," said Tatum. "Even though he has not connected they still saw him as an idol because of his heritage. That being said I think they are just so over this media coverage. The media is so pressed to get a scandal that as soon as there is a nibble they go for the whale."
Feel free to post your thoughts on the Woods controversy and race in the comments section.


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Sudarshan Sukhani, Technical Trends in an interview with ET Now talks about Hero Honda.
What is the call on Hero Honda and what are your stock recommendations today?
Hero Honda is a mirror image of many charts. There is significant support at 1400 to 1500. Once 1400 gives way, the next support comes at 750 because all the stocks had gone up in a straight line and once they break the higher support levels, then there is nothing to hold them.


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What Matters in the Week Ahead for Global Markets
Here are the most important macroeconomic data and policy news events expected in the forthcoming week:
CHINA: Markets, government offices closed for the Lunar New Year celebrations.
BRAZIL: 7 a.m. EST. (10 a.m., Sao Paulo) Markit Economics January manufacturing PMI. [Prev. 50.5.]
This not a closely watched indicator, but like anywhere else in the world the Markit PMI for Brazil has the potential to evolve into a useful measure of business activity. And with so much focus on the market turmoil suffered by the "Fragile Five" emerging markets, of which Brazil is an unwitting member, any fresh insight into the state of this giant South American nation's economy is welcome. The last result showed a very meager rate of expansion (above 50). Did it improve in January? (MC)
U.S.: 9 a.m. EST. Treasury Sec Lew speaks on the debt ceiling at Bipartisan Policy Center, a U.S. think tank.
If this was October 2013, a month of government shutdown and extreme partisanship, this would be a hotly awaited event. But although the reprieve that Congress gave the U.S. government over its debt limit is due to expire on Friday, this time the tension isn't there. Why? Because it seems clear the political costs of going to the mat with the government aren't worth it. Why else would the House have passed a budget deal earlier this year? The consensus is the debt ceiling will rapidly, if quietly increased. But, of course, anything can happen? (MC)
U.S.: 9 a.m. EST. Janet Yellen sworn in as new Federal Reserve Chair.
The end of an era for outgoing Chairman Ben Bernanke, who had one of the most challenging tenures for any Fed chief ever. But it's also an historic new era, with the first female leader of the Fed to take the helm. Will policy change? Who knows? Most Fed officials say Ms. Yellen is very much cut from the same cloth as Mr. Bernanke. What's clear that she has an enormous job to do: most likely, Ms. Yellen will be responsible for eventually unwinding the massive accommodative monetary position that the Bernanke Fed built up. (MC)
U.S.: 9 a.m. EST. Markit Economics final January U.S. Manufacturing PMI. [Preliminary index was at 56.6 vs. 55.7 in
The preliminary result for this up and coming indicator suggested that the first month of the year enjoyed a further acceleration in business activity. The final number – as well as the Institute of Supply Management's competing number, out an hour later – will affirm whether this is an entrenched trend or not. (MC)
U.S.: 10 a.m. Institute for Supply Management January ISM manufacturing report on business. [Manufacturing PMI expected 56 vs. revised 56.5 in December.]
Economists keep expecting the ISM's measure of manufacturing activity to moderate, but it continues to maintain solid growth. (MC)
U.S.: 10 a.m. December construction spending [Expected+0.2% vs. +1% in November.]
The idea is that the holiday season, mixed with an especially cold snap of ugly weather forced construction activity to slow in December from the rapid pace it saw in November. (MC)
BRAZIL: 12 p.m. EST (3 p.m. in Sao Paulo). January trade balance. [Previous deficit $2.65 billion.]
It's important that Brazil's trade balance starts to turn more favorable. That would signal that the weakness in the Brazilian real has reached a point that it is restoring Brazilian competitiveness and helping it transition into recovery. (MC)
U.S.: 4 p.m. EST. January industry auto sales. [Expected annualized sales 15.7 million vs. 15.4 million in December.]
Car sales ended 2013 on a very strong note, and that's good news for the broader U.S. economy. Did the consumer enthusiasm for new cars continue into the New Year. (MC)
SOUTH KOREA: 6 p.m. EST (8 a.m. Tuesday, Seoul). January consumer price index. [Previous CPI +1.1% on-year; core CPI previously +1.9% on-year].
South Korea's benign inflation has allowed the Bank of Korea to stay on hold for an extended period while the economic recovery gains some traction. CPI for all of 2013 rose just 1.3%, far below the Bank of Korea's target range of 2.5%-3.5%. Nothing suggests the BOK will exhibit any greater urgency to raise rates in coming months with price pressures essentially absent. (MA)
AUSTRALIA: 10:30 p.m. EST (2:30 p.m. Tuesday, Sydney). Reserve Bank of Australia cash rate decision [Previously held at 2.5%]
With the non-mining parts of Australia's economy showing little life, speculation had been growing that the Reserve Bank of Australia would have to cut interest rates again from their current low of 2.5% — something the bank was reluctant to do with the housing market showing signs of an emerging bubble. However, recent strong data suggest that the RBA's previous eight cuts since November 2011 are beginning to revive the broader economy, meaning the bank is likely to stay on hold now. (MA)
PHILIPPINES: 8 p.m. EST (9 a.m. Tuesday, Manila). January CPI [Previous +4.1% on-year] and core CPI [Previous +3.2% on-year]
The Philippines is one country in emerging Asia where inflation is beginning to become an issue after the consumer price index rose to a two-year high in December. Still, it remains squarely within the central bank's target range and December's rise was largely due to disruptions caused by Typhoon Haiyan, which means the central bank will incline toward patience unless the January print is off the charts. Fourth-quarter GDP data, out last week, suggested that growth has come off a bit from the torrid pace earlier in the year but remains among the fastest in Asia, and will likely be boosted by reconstruction efforts this year. January's CPI print is worth watching closely, but likely won't be enough to force the Bangko Sentral ng Pilipinas into a rate increase. (MA)
EURO ZONE: 5 a.m. EST (11 a.m. Brussels). December producer price index. [Forecast up 0.2% on the month and down 0.9% on the year vs. -0.1% and -1.2%, respectively, in November]
Input inflation is still worryingly low, but at least the December numbers should show that the downward pressure it's exerting on consumer prices is startling to relent. Overall, though, the euro zone continues to face deflationary risks. (AM)
U.K.: 4:30 a.m. EST (9:30 a.m. London). January construction purchasing managers' index [Expected 61.8 vs. 62.1 in December]
Construction is likely to be growing at great guns as the U.K.'s property boom gathers pace. (AM)
U.S.: 8:30 a.m. Federal Reserve Bank of Richmond President Jeffrey Lacker speech at Shenandoah University
Mr. Lacker is considered a hawk. Not a voter on the Fed's Open Market Committee this year. (MC)
U.S.: 9:45 a.m. ISM-New York January ISM-NY Report on Business. [Previously 63.8.]
A very strong result for this third-tier indicator last month. It would not be a surprise if there is a correction lower this time. (MC)
U.S.: 12:30 p.m. Federal Reserve Bank of Chicago President Charles Evans speech at the Detroit Economic Club
Mr. Evans is not a voting member, but as a kind of de facto mouthpiece for the dominant dovish wing of the Fed, his views provide a useful gauge for the Fed's thinking. Are the FOMC members really as sanguine about the emerging market crisis as is suggested in the last statement, with its glaring omission of any reference to the problems in Turkey, Russia, and other developing countries. (MC)
INDONESIA: 11 p.m. EST (11 a.m. Wednesday, Jakarta). Fourth-quarter GDP [Previous +5.6% on-year]
Growth had been slowing in Indonesia from the torrid pace of the past few years even before the central bank raised interest rates by a cumulative 175 basis points following last summer's taper-related selloff in the rupiah, when it sought to compress imports and choke off inflation. That tightening will likely show up in the form of a further slowdown in the fourth quarter numbers. (MA)
EUROPE: 3:45 a.m. EST -5 a.m EST (9:45 a.m.-11 am, Brussels). Manufacturing purchasing manager indexes for January.
–ITALY [Forecast 48.5 vs. 47.9 in December]
–FRANCE [Forecast 48.5 unchanged on preliminary estimate vs. 47.8 in December]
–GERMANY [Forecast 53.6 unchanged on preliminary estimate vs. 53.5 in December]
–EURO ZONE [Forecast 51.9 unchanged on preliminary estimate vs. 51.0 in December]
–U.K. [Forecast 59.0 vs. 58.8 in December]
The final services PMIs are unlikely to surprise, merely confirming that domestic demand is growing but remains subdued in the single-currency region. The U.K., on the other hand, remains a bastion of consumption. (AM)
EURO ZONE: 5 a.m. EST (11 a.m. Brussels). December retail sales [Expected down 0.5% on the month vs. up 1.4% in November]
A surprisingly weak retail sales number from Germany last week suggests downside risks for the overall euro zone data release. This will be something for the European Central Bank to chew over at its meeting on Thursday. (AM)
POLAND: N/A Polish central bank meeting [Expected benchmark interest rate to be unchanged at 2.5%]
The Polish central bank is expected to stick with its all-time low interest rate of 2.5% even though the zloty has come under market pressure alongside a general emerging markets rout. But with the economy remaining strong and the zloty's declines likely to put upward pressure on inflation, hikes are likely to be on the cards in coming months. (AM)
U.S.: 8:15 a.m. Automatic Data Processing January national employment report. [Private payrolls forecast +193,000 vs. +238,000 in December.]
Last month's ADP number threw economists for a loop. It was so strong that it led some to predict a strong result in the official estimate of U.S. payrolls from the Bureau of Labor Statistics. In the end, it seemed like a head fake. Did the ADP numbers or those of the BLS better capture the underlying state of the labor market? Another month of data will help gauge that. (MC)
U.S.: 10 a.m. Institute for Supply Management January non-manufacturing report on business. [Composite index expected 53.5 vs. 53.]
The services sector appears to be in decent shape, although the ISM figures don't capture quite the same breadth of expansion as its manufacturing index. (MC)
U.S.: 12:30 p.m. EST. Federal Reserve Bank of Philadelphia President Charles Plosser speech at annual economic seminar in Rochester, NY.
Mr. Plosser is back on the voting roster. He is a noted inflation hawk. He will almost surely talk of the need to push through the tapering process in a speedy fashion. (MC)
U.S.: 12:40 p.m. EST. Atlanta Fed President Dennis Lockhart speaks in Birmingham, Ala.
Mr. Lockhart is not a voting member. But he is a respected moderate. His analysis is always of the economic situation and of the Fed's monetary policy options is usually insightful. (MC)
AUSTRALIA: 7:30 p.m. EST (11:30 a.m. Thursday, Sydney). December retail sales [Previous +0.7% on-month]
Policy makers have been desperately hoping for signs of life in non-mining sectors of the economy, and strong November retail sales gave hope that the economy is finally exiting its doldrums. Another month of strong sales would help solidify the idea that the recovery is broadening and that the Reserve Bank of Australia can avoid cutting interest rates any further from the current lows. (MA)
PHILIPPINES: 3 a.m. EST (4 p.m., Manila). Bangko Sentral ng Pilipinas rates decision [Previously held at 3.5%]
The Philippine economy has been the strongest in Asia behind China's, yet inflation has remained well within the central bank's comfort zone — even with the recent spike post-Typhoon Haiyan. That means the central bank will likely keep rates on hold for another month while reconstruction efforts get underway in earnest. (MA)
GERMANY: 6 a.m. EST (12 p.m. Berlin). December industrial orders [Expected up 0.3% on the month vs. up 2.1% in November]
German industry is likely to have taken a breather after a blowout November, but the overall trend remains positive coming into the new year. (AM)
U.K.: 7 a.m. EST (12 p.m. London). Bank of England policy meeting [Expected unchanged base rate at 0.5%, unchanged stock of bond purchases at £375 billion]
That the BOE won't touch rates or its stock of bond purchases is a foregone conclusion. The message from its policy makers has been loud and clear that rates don't need to rise as long as there remains a large output gap and inflation is under control. But investors will be looking for clues about a shift in guidance on when policy might start to shift given that the unemployment rate is nearly at the BOE's 7% threshold at which it starts to consider tightening. (AM)
CZECH REPUBLIC: 6 a.m. EST (12 p.m. Prague). Czech central bank policy meeting [Expected key interest rate unchanged at 0.05%]
The Czech central bank is expected to stick to its near-zero interest rate and its targeted currency rate against the euro at CZK27 as it tries to boost its flagging economy. But emerging markets currency weakness could yet cause it to rethink its policy if the crown comes under further pressure. (AM)
EURO ZONE: 7:45 a.m. EST (1:45 p.m. Frankfurt). European Central Bank policy meeting [Expected main refinancing rate unchanged at 0.25%]
Inflation at less than half of its 2% target and unemployment at 12% suggest the ECB needs to do more. Some economists suggest it will look at trimming its policy rate, though there's not much further it can go toward zero. Others suggest it will launch a program like the Bank of England's Funding for Lending Scheme to get credit flowing back into struggling economies. The emerging markets currency crisis is also bound to be a topic of discussion for the policymakers as it spreads to Eastern Europe. (AM)
CANADA: 8:30 a.m. December. International merchandise trade. [In November, exports unchanged, imports +0.1%, trade deficit C$940 million.]
Now that its resources sector is no longer creaming the windfall from high commodity prices, Canada's non-commodity exporters are struggling to fill the void. Even with a weaker Canadian dollar and strengthening demand in the country's most important market to the south have not done much good. The widening trade deficit captures that. (MC)
U.S.: 8:30 a.m
–December U.S. Trade balance. [Expected deficit $35.3 billion vs. deficit $34.25 billion.]
In recent months, the U.S. trade deficit has defied expectations and continued to shrink – partly because of the shale energy revolution, which is reducing U.S. reliance on overseas oil, but also because of the "re-shoring" trend where manufacturers have shifted back to the U.S. and are now exporting from there. Higher heating oil demand as the cold winter set may push those numbers back higher again for this and subsequent months. But the overall trend is one of the U.S. lower its dependence on foreign production. (MC)
– Unemployment insurance weekly claims report. [Initial weekly jobless claims expected 338,000 vs. 348,000 week earlier.]
Unseasonably cold weather across large parts of the country may have led to a downturn in construction work and an increase in applications for unemployment benefits last week. But the general trend remains one of a relatively jobless claim picture. (MC)
– 4Q productivity and cost. [Non-farm productivity expected +3%, same increase as in 3Q; unit Labor costs +0.8% vs. +1.4%.
U.S. productivity growth appears to have accelerated along with growth itself in the second half of the year, but it is still well short of the gains it typically showed before the crisis. (MC)
WORLD: 9:30 a.m. EST. International Monetary Fund regular press briefing
The only time people pay attention to this weekly press briefing is when there's a crisis underway. With emerging markets in the midst of some serious selling, maybe it's worth listening to what the IMF technocrats have to say this time. (MC)
U.S.: 10 a.m. EST. Federal Reserve Governor Daniel Tarullo testifies to U.S. Senate committee hearing
Mr. Tarullo tends to focus on regulatory issues and his take on matters such as the Volcker Rule, systemic risks in the shadow banking sector and other problems relating to the too-big-to-fail banks is always valuable. But he doesn't hold that much sway in monetary policy per se. (MC)
AUSTRALIA: 7:30 p.m. EST (11:30 a.m. Friday, Sydney). Reserve Bank of Australia quarterly statement on monetary policy.
The RBA offers its analysis of the economy in the wake of the interest-rate decision earlier in the week. Look for details of how quickly the central bank sees non-mining sectors of the economy picking up the slack as the long resources boom wanes, which will give clues to whether the RBA is able to remain on hold indefinitely. (MA)
BRAZIL: 6 a.m. EST. (9 a.m., Sao Paulo). Brazilian Institute of Geography and Statistic January consumer price index. [Previously +0.92% on month, +5.91% on-year.]
Although inflation is within the central bank's target band – through which it targets a 4.5% rate with a 2-percentage-point buffer on either side – it continues to hold near the top end of that. That tendency has kept the central bank in a vigilant state, hiking rates repeatedly, despite a sluggish local economy. If Brazil is to prevent the real from getting further sucked into the swirling crisis around the "Fragile Five" emerging markets (of which it is an unwitting member), it must make sure that inflation is totally contained. (MC)
U.S.: 8:30 a.m. EST. January labor report. [Non-farm payrolls expected +183,000 vs. +74,000 in December; Unemployment rate expected 6.6% vs. 6.7% in December.]
Was last month's deeply disappointing drop an anomaly? If so, there should be a big correction in the January numbers. There would also perhaps be a revision to the December figures. (MC)
CANADA: 8:30 a.m. January labor force survey. [Previous net jobs -45,900; jobless rate 7.2%.]
Canada's labor data are especially volatile. But in general they've been painting a somewhat gloomy picture, that's consistent with other economic indicators there. (MC)
U.S.: Time N/A. Suspension of U.S. federal debt limit expires.
It's remarkable how little attention this looming deadline has received so far – certainly compared with all the angst that arose in the leadup to the last deadline in October, when markets had to contend with the actual possibility that the U.S. government might have to default on its debt. The lack of attention this time stems from the fact that Republicans in the House have already crossed the aisle to support a budget for the next fiscal year. To vote not to increase the debt limit would be to deny funding to a budget they supported. There's a sense that the Obama Administration's Republican opponents mostly believe they have more to lose politically than to gain in launching another round of brinkmanship. (MC)


text:
Together with their families, Ginni Nichole Murphy and Brent Eugene McClung announce their engagement.
The bride-to-be is the daughter of Beatrice Murphy and Donald Price of New Martinsville, and the late John Murphy. She is the granddaughter of the late Marvelene "Peg" Lancaster, the late Melbert Earley, the late Marcella "Posey" Glessner, the late Everet Murphy and Barb Morris.
She is a 2005 graduate of Frontier High School and received an associate's degree from Washington State Community College in 2009.
Article Photos
She is pursuing a bachelor's degree in elementary education at West Virginia University at Parkersburg and is set to graduate in December.
The prospective bridegroom is the son of Tammy and Carl McClung of Walker.
He is the grandson of Debbie and David Day, Pat Powers and Lloyd and Mattie McClung.
He is a 2004 graduate of Parkersburg High School and is a technician at McClinton Chevrolet in Parkersburg.
A wedding is planned for July 16 at Emmanuel Baptist Church in Parkersburg with a reception to follow at the Nemesis Shrine Center.
The couple will reside in Parkersburg.