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Like other dividend plays, real-estate investment trusts have been roaring. As measured by the MSCI REIT index, they've returned 16% so far this year (including dividends) and 20% annually over the past three years, versus a 16% annual return in the Standard & Poor's 500 index. Some wonder whether a REIT bubble is forming similar to the situation in 2007. Dividend yields have dropped to just above 3%. The total equity value of U.S. REITs now tops $600 billion.
Mike Kirby is well equipped to assess the group. He's a co-founder and director of research at Green Street Advisors, a Newport Beach, Calif., firm. Green Street, which started in 1985, is the leading independent research firm specializing in REITs, covering 83 North American real-estate companies and 29 in Europe. This marks the 20th anniversary of Kirby's first interview in Barron's ("The REIT Maze," May 24, 1993), and two and a half years since we last spoke to him ("REITs With the Right Stuff," Nov. 29, 2010).
Green Street has an excellent record. Its Buy recommendations have returned 25.2% annually since 1993, versus 12% for all companies in Green Street's coverage. Hold-rated stocks have returned 11.4% since 1993, and Sells have returned just 0.1% per year.
"Over the next year or two, we expect to see multiple IPOs and billions of dollars of single-family housing come public as REITs." -- Mike Kirby Thomas Michael Alleman for Barron's
Kirby, 52, doesn't think the overall sector is overvalued, and he likes some high-quality companies, including Taubman Centers TCO -1.0738941447200205% Taubman Centers Inc. U.S.: NYSE USD77.38 -0.84 -1.0738941447200205% /Date(1472245321347-0500)/ Volume (Delayed 15m) : 328203 AFTER HOURS USD77.39 0.0100000000000051 0.012923235978288964% Volume (Delayed 15m) : 1428 P/E Ratio 40.889875290636226 Market Cap 4673287632.05078 Dividend Yield 3.075730162832773% Rev. per Employee 955967 More quote details and news » (ticker: TCO), Equity Residential EQR -1.6156073769242494% Equity Residential U.S.: NYSE USD64.55 -1.06 -1.6156073769242494% /Date(1472245244091-0500)/ Volume (Delayed 15m) : 2404669 AFTER HOURS USD64.55 % Volume (Delayed 15m) : 33040 P/E Ratio 52.27567217363136 Market Cap 23596640899.8291 Dividend Yield 3.1216111541440745% Rev. per Employee 734902 More quote details and news » (EQR), and Vornado Realty Trust VNO -1.2030516431924883% Vornado Realty Trust U.S.: NYSE USD101.01 -1.23 -1.2030516431924883% /Date(1472245324686-0500)/ Volume (Delayed 15m) : 410688 AFTER HOURS USD100.98 -0.0300000000000011 -0.0297000297000297% Volume (Delayed 15m) : 5355 P/E Ratio 35.90700650527887 Market Cap 19073315070.2765 Dividend Yield 2.494802494802495% Rev. per Employee 631584 More quote details and news » (VNO). He also has some thoughts on one of the newer trends, REITs that own single-family homes.
Barron's: Let's get straight to the point. Are REITs overvalued?
Kirby: Let me start with the least-favorable comparison—stocks. REITs trade for about 25 times 2013 earnings, and when I speak of earnings, I am using AFFO, or adjusted funds from operations, which is the industry's primary earnings benchmark. The S&P 500 trades at 15 times forward earnings. That suggests that REITs are awfully expensive. But I'll throw you a couple of mitigating points. One is that REIT earnings growth is going to be very impressive. We project 9% growth in AFFO over the course of each of the next two years, and there is no reason that it slows down much after that because we are in the sweet spot in the real-estate cycle. Over the past eight years, REIT multiples have been much higher than the S&P 500. We have to ask ourselves if this is a new normal situation.
What else do you look at?
Given the growth outlook, REITs look pretty attractive in a low-yield world. When we add it all up, we conclude that REITs are somewhere within a fair-value range, maybe at the pricey side of that fair-value range, but certainly not dramatically overpriced.
Which sectors look best?
The mall business is not just a good business by real-estate standards; I'd argue that it is just a great business. It has performed wonderfully over the past 20 years, especially at the high end—the types of malls that Simon Property Group SPG -0.8304337740663419% Simon Property Group Inc. U.S.: NYSE USD213.76 -1.79 -0.8304337740663419% /Date(1472245322658-0500)/ Volume (Delayed 15m) : 1237216 AFTER HOURS USD213.84 0.0800000000000125 0.0374251497005988% Volume (Delayed 15m) : 16248 P/E Ratio 39.16452913155002 Market Cap 67170230385.1221 Dividend Yield 3.087574850299401% Rev. per Employee 1068790 More quote details and news » [SPG], Taubman, General Growth Properties ggp -0.8849557522123894% General Growth Properties Inc. U.S.: NYSE USD29.12 -0.26 -0.8849557522123894% /Date(1472245282548-0500)/ Volume (Delayed 15m) : 3357809 AFTER HOURS USD29.115 -0.00500000000000256 -0.017170329670329672% Volume (Delayed 15m) : 47285 P/E Ratio 40.44444444444444 Market Cap 25763570605.7829 Dividend Yield 2.7472527472527473% Rev. per Employee 1427620 More quote details and news » [GGP], and Macerich MAC -0.6896551724137931% Macerich Co. U.S.: NYSE USD82.08 -0.57 -0.6896551724137931% /Date(1472245385829-0500)/ Volume (Delayed 15m) : 890525 AFTER HOURS USD82.07 -0.0100000000000051 -0.012183235867446393% Volume (Delayed 15m) : 6761 P/E Ratio 147.73218142548595 Market Cap 11788822924.1199 Dividend Yield 3.313840155945419% Rev. per Employee 1155520 More quote details and news » [MAC] own. These malls have done exceedingly well in good times, and their cash-flow growth has held up very well, surprisingly well, in bad times. Prospects going forward are very good.
Even with the Internet-retailing threat?
It seems that no matter what happens to the retailer environment, no matter which retailers go under, there is always somebody willing to move a new retail concept into those top-tier malls. This sector is basically trading pretty close to the REIT average on key valuation benchmarks, and yet over the long haul it's delivered a lot more. So my first piece of advice is to overweight malls.
What else looks good?
Apartments. They have fared well over the long run. Owners haven't had to invest as much capital to maintain their properties as is the case in other sectors. Apartments have been underperformers relative to other parts of the REIT market. The conventional wisdom is that if single-family housing is doing well, apartment rentals must not be. That's way too simplistic. Both can thrive at the same time. We just need growth in household formation, and we are optimistic that household-formation growth is going to be pretty good in the next few years.
Anything you don't like?
On the flip side, there are hotels and industrial properties. They tend to be systematically overpriced because investors don't fully appreciate the capital expenses you need to keep them up. Neither one has delivered total returns on par with other sectors over the past 20 years. Hotel owners need to reinvest twice as much of their cash flow back into their properties as has been the case with other property sectors. And that doesn't even capture the obsolescence factor. No matter how much money you spend on hotels in some markets, you are always going to have something newer and prettier come in. There are times in the cycle when it's good to own hotels, but through a full cycle, history shows it is a tough business.
What's your favorite mall REIT?
Taubman. We recommended it 20 years ago in Barron's, and we still like it. It has been one of the top-performing REITs over that time period. Taubman has the most productive portfolio in the country with the highest sales per square foot of any mall operator.
What's Taubman's niche?
It's a high-end-mall operator. It owns the Short Hills Mall in New Jersey, Cherry Creek in Denver, and Beverly Center in Los Angeles. Sales growth at Taubman since 2007—and, as you know, we had a little economic hiccup between 2007 and now—has been 25% cumulatively, which to me is pretty astounding, because it dwarfs the sales growth that has occurred just about anywhere else. It shows the power of high-end malls, and more importantly from a valuation perspective, it bodes well for cash-flow growth.
What kind of growth could Taubman experience?
We see 13% growth in AFFO this year and 10% next year.
How is it valued?
It trades around $86, which is below our estimate of its net asset value of $88.50. Its AFFO yield for this year is 3.3%, which is lower than the REIT average, but it's very much in line with the mall average. Given our growth expectations, we think that's fine.
What's the upside?
Over the next 12 months, we think REITs will generate a total return of 7% or 8%. For Taubman and the stocks that we feature as Buys, add a few percentage points.
What do you like in apartments?
Equity Residential, Sam Zell's company. Sam brought it public out of the ashes of the savings-and-loan crisis of the early '90s, and it's now the 500-pound gorilla of the sector, with a $38 billion portfolio of apartments. It's the most efficient operator of apartments, with systems and practices that have been polished and honed for many years. Perhaps most importantly, it can access capital more cheaply than anybody else, especially in the debt markets. The stock seems to have some indigestion from the company's takeover of the Archstone portfolio, but the company doesn't. Equity Residential and AvalonBay avb -0.9304715150131293% Avalonbay Communities Inc. U.S.: NYSE USD173.55 -1.63 -0.9304715150131293% /Date(1472245323046-0500)/ Volume (Delayed 15m) : 497345 AFTER HOURS USD173.61 0.0600000000000023 0.03457216940363008% Volume (Delayed 15m) : 7726 P/E Ratio 29.75976130459386 Market Cap 23830844314.0076 Dividend Yield 3.111495246326707% Rev. per Employee 651601 More quote details and news » [AVB] bought Archstone from the Lehman Brothers estate, and it was a big deal. Equity Residential's portion was about $9 billion.
Where does the company operate?
Equity Residential has transitioned over the past 10 years from being an owner of a national portfolio to one focused on high-quality properties in key gateway markets like New York, Washington, Boston, Los Angeles, and San Francisco. It should get an extra one or two percentage points a year of growth because those markets are better—and tougher to build in.
How is it valued?
It's around $57. Our estimate of NAV is $61. The AFFO yield is 4.3%, which is pretty much on top of the apartment REIT average of 4.4%. So I can buy a best-in-class company at very pedestrian pricing.
By AFFO yield, you are talking about the AFFO in dollars per share divided by the stock price?
That's right.
The dividend yield is lower than the AFFO yield?
Correct. Most REITs don't pay out all of their AFFO. Equity Residential's dividend yield is 3%.
In the office sector, any favorites?
Vornado. Ten or 15 years ago, Vornado was viewed as the best operator in offices. Steve Roth and Mike Fascitelli, the two guys who ran Vornado, generally had the reputation of being the smartest guys in the room. Vornado has made some missteps in recent years, such as its investment in J.C. Penney. JCP -0.802407221664995% J.C. Penney Co. Inc. U.S.: NYSE USD9.89 -0.08 -0.802407221664995% /Date(1472245358122-0500)/ Volume (Delayed 15m) : 10309079 AFTER HOURS USD9.82 -0.0700000000000003 -0.7077856420626896% Volume (Delayed 15m) : 110714 P/E Ratio N/A Market Cap 3042164165.96985 Dividend Yield N/A Rev. per Employee 120210 More quote details and news » Fascitelli just left, and it's unclear who's going to run the company five or 10 years from now. Roth [age 71], who remains chairman, runs it now.
What's the bull case on Vornado?
While Vornado has had its problems, it hasn't completely lost its mojo. And Steve Roth is still a very bright guy. Just as importantly, Vornado's properties are world class. And I like its valuation. It has underperformed the RMS [REIT] index by 13 percentage points over the past 12 months.
How is it valued?
It's around $87, and we estimate NAV of $89, so it's another top-tier REIT that trades slightly below NAV. It's a big Manhattan landlord, particularly around Penn Station.
Is the Penn Station area desirable? It's not Park Avenue.
It used to be a sort of no-man's land, but the area is slowly coming into its own. Vornado's New York portfolio is pretty well positioned. On an AFFO basis, it trades around 4.2%, and that compares with the office REIT average of 3.8%. So on most valuation metrics, it looks pretty cheap, and it's a high-quality company.
Isn't Wall Street looking for Vornado to "simplify"?
We think Steve Roth will push forward with some vigor on a simplification strategy. It isn't necessarily in his nature, but we think he is committed to it. Two years from now, it will be a much easier story for investors to understand and appreciate.
One emerging trend is REITs backed by single-family homes. What do you think?
We're certainly going to see an awful lot of activity here. The platforms that are being built, and the portfolios being cobbled together are becoming quite large and in some cases pretty impressive. And the sponsorship behind some of them is also impressive.
How many are public now?
The only pure play was Silver Bay Realty Trust SBY -0.7808433107756377% Silver Bay Realty Trust Corp. U.S.: NYSE USD19.06 -0.15 -0.7808433107756377% /Date(1472245321453-0500)/ Volume (Delayed 15m) : 149071 AFTER HOURS USD19.06 % Volume (Delayed 15m) : 5154 P/E Ratio N/A Market Cap 674418999.581299 Dividend Yield 2.728226652675761% Rev. per Employee 703875 More quote details and news » [SBY]. Another, American Residential Properties [ARPI], just went public. Colony Capital is a well-regarded sponsor, and it just filed for an initial public offering of Colony America Homes. Blackstone currently owns $4 billion worth of houses. They want to get that number above $5 billion, which it will probably be by next year, and then they'll take it public. And Wayne Hughes, the founder of Public Storage, is also in this business.
How much activity could there be?
Over the course of the next year or two, we expect to see multiple IPOs and many billions of dollars of single-family housing come public as REITs. At this stage, we still are grappling with the economics of it. There is still an awful lot we have to learn, and I think even the sponsors have to learn, because nobody's been in this business very long.
As best we understand it, you can buy homes in a lot of Sun Belt markets, and elsewhere, and get a fully loaded yield prior to capital expenditures, somewhere in the 6% ballpark. If you throw in a capex reserve, it may take the yield down to 5%.
What are the economics of the business?
They're uncertain. But if I can buy homes at an all-in yield of close to 5%, and then play the appreciation trade, which given the direction of housing, and given how far it might come back, we think it's going to be a product that will be well received by the public market.
Do the sponsors want to be in the game for the long term?
These companies are building platforms to operate these properties as continuing businesses. They aren't designed to play the flip trade. It remains to be seen how successful anybody can be, but I wouldn't be surprised if some of these IPOs are successful out of chute.
Thanks, Mike.
Kirby's Picks
|Equity Residential / EQR
|Taubman Centers / TCO
|Vornado Realty / VNO
|*Returns include dividends **Based on adjusted funds from operations (AFFO) E=Estimate Source: Thomson Reuters
E-mail: firstname.lastname@example.com


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Rich Wheelerwrote a review of Bern Macon EPS Helmet on February 3, 2016
Switched over from Hard Hat
Familiarity: I've used it several times
After viewing a few videos about the difference between soft foam vs hard foam helmets, I decided my days in a Hard Hat snowboarding were over. The science is out that EPS is much safer. Previously I've been rocking a Macon Hard Hat for the last 7 years. I always wore XL in that helmet. Switching to the EPS, with adjustable band, I would say the following. Yes, the Hard Hat is slightly more comfortable, but I found the sizes comparable. I don't think this fit "small" in comparison to what I was expecting. I'd say it was more true to size. The way the EPS feels it almost seems slightly higher on my head, but I think that is due to the lighter weight construction. The top of my goggle still aligns well with the bottom of the helmet. My favorite new feature is the adjustable band. You really get an exact fit.
I'm glad I made the switch. I use this helmet for snowboarding and biking. When boarding, I wear a balaclava under it.

subset: commoncrawl


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CLARKSTOWN, N.Y. (AP) -- The former deputy mayor of the city of Yonkers has pleaded guilty to videotaping himself having sex with a woman without her consent.
Andrew Maniglia, of Valhalla, faces three years probation under the plea agreement with Rockland County prosecutors.
He was also fined and must stay away from the woman.
He originally faced two counts of second-degree unlawful surveillance, a felony.
His lawyer tells the Journal News the unlawful surveillance law was adopted to prosecute stalkers and voyeurs, not people having consensual sex.
Sentencing was set for April 21 in Clarkstown Town Court.
Maniglia served as Yonkers deputy mayor in the 1990s.
Location, ST | website.com


text: Training on Intercountry Adoption & Preparing Children for Adoption Posted on July 19, 2016 by PDU The ICAB's Training on Inter-country Adoption (ICA) Program among our local stakeholders is part of ICAB's advocacy and networking functions as well as its commitment to increase their level of functionality. The Capacity Building Package on ICA Program aims to strengthen the social workers' capability in handling adoption cases particularly those which will go through the inter-country adoption route. The activity is scheduled for August 15 – 19, 2016 to be held at PRINCESA GARDEN ISLAND RESORT (Canigiran Street, Brgy. Bancao -Bancao, Puerto Princesa, Palawan). Expected participants are REGION IV-B MIMAROPA social workers from the Department of Social Welfare and Development (DSWD), Non-Governmental Organization: Child Caring/Child Placing Agencies (NGO CCAs/CPAs), Regional Trial Court/Family Court (RTC/FC), Local Government Units/Local Social Welfare and Development Offices (LGUs/LSWDOs – Provincial, City, Municipal) and hospitals. LOCATION


text:
Clarity provides enterprise content management solutions and systems integration services to facilitate efficient, seamless access to disparate data sources.
Our client-focused solutions deliver cost savings, drive process improvement and facilitate compliance.
Deliver corporate applications and data through team-centric portals, automate the execution of business processes and allow groups to interact with documents in a controlled manner, contributing and sharing content dynamically.
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Combine high integrity security and access controls with automated retention policies and enterprise search capabilities to manage all corporate records in line with statutory obligations.
Support secure, whole-life retention and eventual controlled destruction of read-only records, in compliance with corporate retention policies and statutory obligations.
Manage large-scale intranets and websites and maintain dynamic web-based material, using Web 2.0 technologies to engage with target audiences.
Identify and categorise unstructured information assets, cleanse duplicate, obsolete and inappropriate content, design enhanced File Plans and support information governance strategies.
Automate the capture of paper records and associated content within line of business data processing systems, document and records management systems and SharePoint Team Sites.
Support the introduction of information management solutions and help clients achieve their associated business objectives.
Managed solution support services that are tailored to meet client-specific requirements, including guaranteed response times, incident resolution processes, escalation channels and KPI reporting.
March 2016
Clarity is delighted to have launched our latest FastForm road safety enforcement solution, which has been branded as FastForm Process Manager.
February 2016
West Mercia and Warwickshire police forces have purchased a shared Clarity FastForm Ticketing Management solution, which will support effective collaboration between road safety enforcement staff and improve resilience across the police Central Ticket Offices.
December 2015
We were delighted to host a User Group Meeting for our FastForm Online Bookings solution at Donington Park Circuit on the 26th November.
October 2015
The South Yorkshire Fire and Rescue Service website (www.syfire.gov.uk) has been shortlisted for an award as the best public sector website in the 2015 User Experience UK Awards.


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I just found this randomly surfin the web, figured it was a must share. Typically I wouldn't even mention it but I saw the lineup and If it's in wrong thread then feel free to move, sry.
Santa Clara California March 2012 49ers Raiders Autograph Signing
The weekend of March 9-11, 2012, GT Sports Marketing (GTSM) will host their Sixth Annual Football Experience in Santa Clara, California. The line up includes:
San Francisco 49ers Pro-Football Hall of Fame Members
Steve Young - Quarterback
Ronnie Lott - Safety
Jerry Rice - Wide Receiver
San Francisco 49ers All-Pros, Pro Bowlers and Stars
Frank Gore - Running Back
Navarro Bowman - Linebacker
DaShon Goldson - Safety
Anthony Davis - Offensive Tackle
Aldon Smith - Linebacker
Justin Smith - Defensive End
Vernon Davis - Tight End
Oakland Raiders
Bo Jackson - Running Back
Marcus Allen - Running Back
Tim Brown - Wide Receiver
Dallas Cowboys
DeMarco Murray - Running Back
Cincinnati Bengals
Andy Dalton - Quarterback
Edit: http://gtsportsmarketing.com/sj2012/ Also Cam Newton and Joe Montana were just added as well
[ Edited by Youngb on Feb 27, 2012 at 2:38 PM ]


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Index of content:
Volume 83, Issue 9, 01 May 1998
Dielectric properties of Bi doped ceramics in the temperature range 500–800 K83(1998); http://dx.doi.org/10.1063/1.367286View Description Hide Description
The ceramic system reveals several sets of dielectricpermittivity peaks in different temperature ranges. Dielectricpermittivity and dielectric loss peaks were detected in the temperature range 500–800 K and in the present article the dielectric polarization behavior is presented and discussed. The activation energy of the dielectric relaxation is in the range of 0.99–1.12 eV. It is suggested that the permittivity peaks are related to the movement of oxygen ions or oxygen vacancies.
Dielectric study in nanocrystalline prepared by chemical coprecipitation83(1998); http://dx.doi.org/10.1063/1.367287View Description Hide Description
nanoparticles were synthesized by chemical coprecipitation and crystallized in the perovskitestructure after calcining at 520 °C. The dielectric properties were measured in bulk nanocrystalline compacts with different grain sizes. It was found that there were three peaks in the curves of the dielectric response as a function of temperature. The first peak shifts to higher temperature with decreasing grain size, which is considered to originate from the polarization of the ions in the conductive layers across the potential barrier of the weak conductive perovskitelike layers. The second peak, contributed by the polarization of the defect dipoles on the grain surfaces, especially dipoles, decreases gradually in intensity and finally disappears with increasing grain size. The last one, corresponding to a ferroelectric phase transition temperature, increases at first with decreasing grain size from 56 to 25 nm, then decreases with further decreasing grain size, and the mechanism is correlated with a competing effect of the released internal stresses and the clamped domain walls due to the diffusion of oxygen vacancies.
Microstructure and microwave dielectric properties of epitaxial films on substrates83(1998); http://dx.doi.org/10.1063/1.367288View Description Hide Description
Sr-deficient and stoichiometric epitaxial (001) films,deposited on substrates by rf magnetron sputtering, have been characterized using high-resolution transmission electron microscopy. A subsequent heat treatment in oxygen had a positive influence on the dielectric properties. Sr-deficiency had a large negative impact on the microwave dielectric constant of the films. These changes were correlated to changes in lattice parameters. In all samples, at the film/substrate interface, were misfit dislocations present. The residual elastic strain compressed the unit cell in the substrate surface plane and expanded it an equal amount in the [001] direction. X-ray diffraction revealed that the tetragonal distortion, due to the mismatch strain, was concentrated to a narrow region closest to the film/substrate interface.
Analysis of thermally stimulated Maxwell-displacement current across organic monolayers83(1998); http://dx.doi.org/10.1063/1.367289View Description Hide Description
Dielectric relaxation processes in organic monolayerfilms during heating are analyzed on the basis of the rotational Debye–Brownian motion equation. Theoretical formula for the thermally stimulated current (TSC) is obtained. The polar orientational disordering of polarized and nonpolarized monolayers is examined by taking into account the dielectric relaxation time τ of monolayers. TSCs across phospholipid monolayers of dimyristoyl, phosphatidylcholine are discussed on the basis of the analysis developed here.
Temperature dependence of the Faraday effect in -substituted magnetic garnets83(1998); http://dx.doi.org/10.1063/1.367290View Description Hide Description
The temperature dependence of the Faraday rotation (FR) spectra is measured at temperatures between 60 and 300 K in the wavelength range of 0.7–1.6 μm for single crystalline filmsgrown by a liquid phase epitaxy method onto (111)-oriented gadolinium gallium garnet substrates. In addition, the FR spectra at some temperatures are calculated by a molecular field approximation, and the calculated spectra are reproduced well by assuming the molecular field where is a thermal average of an iron spin in magnetic garnets.
Low-temperature photoluminescence study on Er-doped GaP grown by organometallic vapor phase epitaxy83(1998); http://dx.doi.org/10.1063/1.367291View Description Hide Description
Low-temperature photoluminescencespectra of Er-doped GaP grown by low-pressure organometallic vapor phase epitaxy was investigated under both above-band gap and below-band gap excitation conditions. Under all experimental conditions, similar Er-related spectra dominated by numerous sharp emission lines were obtained for the first time. The intensity dependence of the photoluminescence exhibits complicated behavior and is modeled using a unique energy-transfer process. The results obtained indicate that some Er-related luminescence centers are efficiently activated by direct excitation of electrons to some traps related to the luminescence centers.
Modeling and analysis of photomodulated reflectance and double crystal x-ray diffraction measurements of tensilely strained InGaAs/InGaAsP quantum well structures83(1998); http://dx.doi.org/10.1063/1.367292View Description Hide Description
Room temperature photomodulated reflectance (PR) and double crystal x-ray diffraction (DCXRD) measurements have been performed on a series of tensilely strained multiple quantum well(QW) laser structures, with barriers, which are lattice-matched to an InP substrate. Seven samples are studied, with nominal QW In composition varying between and 0.316, corresponding to biaxial tensile strains between 0% and 1.5%, respectively. The DCXRD measurements provide accurate information on composition, strain and layer thickness, while the PR yields the energies of both allowed and forbidden critical point interband QW transitions, and how these vary with strain, particularly the transitions between the ground-stateconduction band and heavy/light hole valence band levels. A three-band effective mass formalism is used to model the QW transitions and very good agreement with the PRmeasurements is obtained once excitonic binding energies, and the quantum confined Stark effect are taken into account.
Photoluminescence and free carrier interactions in erbium-doped GaAs83(1998); http://dx.doi.org/10.1063/1.367293View Description Hide Description
The photoluminescence properties of GaAs:Er doped with a new pyrazole and pyridine-based Er source, tris(3,5-di-tert-butylpyrazolato)bis(4-tert-butylpyridine)erbium(III), were investigated. These samples showed significantly stronger and sharper 1.54 μm luminescence than in GaAs:Er samples doped with cyclopentadienyl-based Er sources. The efficient luminescence was associated with the Er–2O center, formed with unintentional oxygen impurities. The emission was greatly reduced in -type samples, whereas the emission remained strong in -type samples. This trend suggests that either the free hole concentration is very important to the excitation efficiency, and/or there is a strong Auger quenching mechanism which involves free electrons. A model based on the results of a two-beam experiment indicates the presence of strong Auger energy transfer from the Er-bound exciton to a free electron. Auger energy transfer from the excited ion to a free electron was found to be much less important. The temperature dependence of the emission was also examined. A decrease in intensity was observed at the lowest temperatures. This effect was attributed to the freeze-out of carriers onto a relatively shallow trap which could be related to either Er or shallow acceptors.
Electronic structures of organic molecular materials for organic electroluminescent devices studied by ultraviolet photoemission spectroscopy83(1998); http://dx.doi.org/10.1063/1.367309View Description Hide Description
Electronic structures of evaporated films of five organic light-emitting and carrier-injecting materials for organic electroluminescent devices were studied by ultraviolet photoemissionspectroscopy. The compounds examined were (i) light-emitting materials aluminum and (ii) a hole-injecting material, and (iii) electron-injecting materials and The spectral features corresponding to the top parts of the valence states, which dominate the electric properties of the materials, were assigned by the comparison with the simulated density of states obtained from PM3 molecular orbital calculations. Using these calculations, the evolution of the electronic structure of each molecule from those of constituent parts was discussed. The characters of the unoccupied states obtained by these calculations were also presented. Using these data, the correlation between the ionization threshold energies determined by ultraviolet photoemissionspectroscopy and the carrier-injecting and light-emitting properties were discussed.
Photoluminescence of nanocrystals embedded in a SiO matrix83(1998); http://dx.doi.org/10.1063/1.367294View Description Hide Description
Nanometer-sized crystals in a SiO matrix were grown by an inert gas evaporation method. The size of the nanocrystal was varied by changing the evaporation time of the SiO material. We have successfully prepared well-dispersed nanocrystals with a narrow size distribution in SiO. The photoluminescence of the nanocrystals in SiO has been investigated and we have found that the photoluminescence spectra were significantly different from that of the solid form ( film). Results indicate that the vibronic coupling of the nanocrystals in SiO is strong compared with that of the solid form of
Cathodoluminescence study of InGaAs/GaAs quantum dot structures formed on the tetrahedral-shaped recesses on GaAs (111)B substrates83(1998); http://dx.doi.org/10.1063/1.367295View Description Hide Description
InGaAs/GaAs quantum dot(QD) structures grown in tetrahedral-shaped recesses (TSR) etched into GaAs (111)B substrates are studied by means of cathodoluminescence(CL). Two main features are observed in the CL spectra. The lower energetic peak can be assigned to QDs in the bottom of the TSRs, while the higher energetic one corresponds to the quantum wells(QWs) formed at the sides of the TSRs. This can be confirmed by spatially resolved CL imaging. The behavior of QD and QWluminescence is studied by temperature and electron beam intensity dependence of CL. We will show that the formation of the QDs is strongly dependent on the size and the spacing of the TSRs.
Laser-induced suppression of photocrystallization rate in amorphous selenium films83(1998); http://dx.doi.org/10.1063/1.367296View Description Hide Description
We have found that a film of amorphous selenium exposed to simultaneous action of two different ( and ) lasers whose photon energies are on different sides of the optical band gap,crystallizes more slowly than the one exposed to only one of the above. A decisive role of the polarization of the two laser beams has been demonstrated, namely, the suppression of the crystallization rate is observed only for the polarizations of the two light sources being parallel to each other. A microscopic model for the laser-induced suppression of the photocrystallization rate is proposed.
Photothermal effects in liquid crystals on dye-doped polymer films83(1998); http://dx.doi.org/10.1063/1.367297View Description Hide Description
Photothermal effects in nematic liquid crystals(NLCs) on a dye-doped polymerfilm are investigated using a crystal rotation method combined with a pump-probe technique. We consider both the temperature dependence of the refractive indices of the NLCs and reorientation of the NLC molecules due to a temperature rise at the polymer surface. The photothermalbirefringence change is proportional to the pump beam intensity. The photothermal effects strongly depend on the nematic-isotropic transition temperature of the NLCs. The proportional constants increased with decreasing of the NLCs and the values for E44 , E7 (59 °C), and 5CB (35 °C) are estimated to be and (/mW), respectively. In addition, the pretilt angles of a 5CB cell are changed by the irradiation of the pump beam.
Energy dependence of –graphite surface collisions83(1998); http://dx.doi.org/10.1063/1.367298View Description Hide Description
The resilience of fullerene with graphite (0001) surfaces has been investigated by means of molecular dynamics simulations with empirical model potentials. The initial energy of ranges from 30 to 300 eV. It is shown that when the impact energy is above 60 eV, the rebounding energy of is nearly independent of the impact energy. The scattering is highly inelastic and the internal excitation energy of the scattered molecule increases with the incident energy. These results are consistent with experiment. Furthermore, the simulations provide insight into the microscopic aspects of the scattering. The rebounding processes at different energies are found to exhibit similar dynamic behavior and the molecular center-of-mass motion can be regarded as moving in a quadratic harmonic potential. All of these results support a schematic picture to describe nonreactive -surface collisions.
Infrared and x-ray photoelectron spectroscopy studies of as-prepared and furnace-annealed radio-frequency sputtered amorphous silicon carbide films83(1998); http://dx.doi.org/10.1063/1.367299View Description Hide Description
The effects of annealing on the structural properties of radio-frequencysputteredamorphous siliconcarbidefilms prepared under different hydrogen partial pressures were investigated. Infrared (IR) results of the as-prepared films suggest that as increases, more hydrogen is incorporated into the film to form the Si–H and C–H bonds and less silicon and carbon atoms are available to form the Si–C bonds.X-ray photoelectron spectroscopy(XPS) results of the as-prepared films agree with the IR results in that the percent of Si–C decreases and the percent of Si–H and C–H increases as increases. IR and XPS results of the annealedfilms suggest that as the annealing temperature increases, the dangling Si and C bonds will combine to form the Si–C bonds for the unhydrogenated samples. The increase in Si–C bonds for the hydrogenated samples is more likely to be due to the formation of Si–C bonds from the breaking up of the Si–H and C–H bonds.
Selective ionization of group I elements from laser ablated plumes of and83(1998); http://dx.doi.org/10.1063/1.367300View Description Hide Description
Experimental results are reported on the I–III–V Zintl compounds and with respect to laser ablation and subsequent laser ionization/removal processes. The approach takes advantage of the low ionization potentials of the group I elements to achieve selectivity and exert a measure of control over neutral mixtures. A 308 nm laser pulse is used to ablate a I–III–V Zintl compound, while a second laser is used to selectively ionize the ejected species within the extraction region of a time-of-flightmass spectrometer. With the second laser operating at 248 nm (in the case of ) and at 266 nm (in the case of and ), selective gas-phase ionization and removal of the group I elements is clearly demonstrated.


text: The Shadowy Phantom (shadowyphantom) wrote in maplestory, 2009-09-03 17:48:00 The Shadowy Phantom shadowyphantom maplestory 2009-09-03 17:48:00 Previous Share Next Location: Home Mood: calm Music: none Price Check Website? I was just wondering if there was another website that I could check for prices, since I have a crapload of equipment and scrolls I need to sell. I don't want to use BasilMarket, since people have said that BasilMarket is inaccurate. Thank you for your help.Cross-posted to maplecomm Post a new comment Error Comments allowed for members only Anonymous comments are disabled in this journal We will log you in after post We will log you in after post We will log you in after post We will log you in after post We will log you in after post Anonymously switch LiveJournal Facebook Twitter OpenId Google MailRu VKontakte Anonymously default userpic Insert Bold Insert Italic Insert Underline Insert Strikethrough Insert Link Insert LJ User Insert Photo Insert Media Your reply will be screened Your IP address will be recorded Post a new comment Preview comment Help 0 comments Post a new comment 0 comments astralvulpes wrote in maplestory: ←Seeking Altair/Glittering Altair earrings! nekokatsu wrote in maplestory: →random question


text:
Rodriguez: I'll Beat Adrien Broner, Take The Title Home
Cincinnati, Ohio - Boxing fans will be giving thanks for an explosive night of boxing on Thanksgiving weekend this year when Adrien "The Problem" Broner battles Argentina's Vicente Rodriguez for the vacant WBO Junior Lightweight World Title on Saturday, November 26 at U.S. Bank Arena in Cincinnati, Ohio in a fight that will be televised on HBO Boxing After Dark. For Broner, it will be the young undefeated hometown hero's first shot at a world title, and where better to have it take place than in his backyard with family, friends and hometown fans supporting him. For Rodriguez, it's the opportunity to follow in the footsteps of countrymen Sergio "Maravilla" Martinez and Marcos "Chino" Maidana and burst onto the world boxing stage by capturing his first world title under the bright HBO lights in his United States debut.
"I'm ready to put on a good performance for my city," said Broner. "I'm treating this like it's just another day in the ring. I'm not going to let the world title affect me. Vicente has a tremendous record, but once I get in the ring, I'm going to do what I got to do to get the job done. It's time to put it on for my city...hook, right, good night!"
"Broner is a talented boxer with good speed and power," said Rodriguez. "But I have the experience and determination to beat him and I can't wait to bring the title home to Argentina."
"We are very excited to bring this special night of boxing to Cincinnati on Thanksgiving weekend," said Richard Schaefer, CEO of Golden Boy Promotions. "We know Broner has the talent and determination to reach his goal of winning a world championship and will not let his fans down on November 26. While he faces a tough customer in Rodriguez, I believe he will become a world champion that will reign over the junior lightweight division for many years to come."
"We're excited to have Golden Boy Promotions and HBO come to Cincinnati for this great boxing event," said Andrew Williams, CEO of R&R Promotions. "We look forward to Adrien winning his first world title at home on November 26."
"Home for the Holidays: Broner vs. Rodriguez" is a 12-round bout for the vacant WBO Junior Lightweight World Title which will take place Saturday, November 26 at U.S. Bank Arena in Cincinnati, Ohio. The evening of boxing is presented by Golden Boy Promotions and R&R Promotions in association with Canelo Promotions and is sponsored by Cerveza Tecate and AT&T. The HBO Boxing After Dark telecast will air at 10:30 p.m. ET/PT.
Tickets, priced at $128, $78, $53 and $28, go on sale Tuesday, October 25 at 10:00 a.m. ET and may be purchased at the U.S. Bank Arena Box Office, by calling Ticketmaster at 800-745-3000 or online at www.ticketmaster.com .
Nicknamed "The Problem," Cincinnati's Adrien Broner (21-0, 17 KO's) has proven to be an impossible puzzle for opponents to figure out. The former amateur standout racked up numerous accolades before turning professional in 2008, including winning the prestigious Silver Gloves tournament in 2002 and 2003 and competing in the semifinals of the 2005 Junior Olympics. 22-year-old Broner is the owner of 10 first-round professional knockouts coming as a result of his mix of blazing speed and thudding power. In 2011, he has taken his career to the next level with a decision win over former World Champion Daniel Ponce De Leon in March and a first round stoppage over the always-tough Jason Litzau in June in a pair of HBO televised fights. Now it's time for the #1 rated WBO junior lightweight contender to attempt to cap off the year by winning his first world championship.
The WBO's #6 rated junior light weight contender, Vicente Martin Rodriguez (34-2-1, 18 KO's) of La Salada, Argentina has the power and durability to knock off any opponent who steps in the ring with him. A professional since 2005, the 26-year-old captured the WBO Latino Junior Lightweight belt with a win over Gaston Sellan in May of 2007. He successfully defended his title in December of 2007 against Diego Mora before losing the belt via a 10-round decision loss against unbeaten William Kickett in 2008. Since then, he is unbeaten in 14 fights, going 13-0-1 with nine knockouts. He now sets his sights on making a name for himself in the United States by capturing his first world title at the expense of hometown favorite Broner.
One of boxing's most revered fight towns, Cincinnati is the home of boxing Hall of Famers such as Aaron "The Hawk" Pryor and Ezzard "The Cincinnati Cobra" Charles as well as former world champions Tony "TNT" Tubbs and Tim "Cincinnati Kid" Austin. The city that was home to the first gloved boxing match in the United States may be best known for its robust amateur scene, one that has produced nine Olympians, including 2000 Silver Medalist Ricardo Williams Jr., 1992 Bronze Medalist Tim Austin and Raushee Warren, a current member of the 2012 United States Olympic squad who made history by also representing his country in the 2004 and 2008 Games. Adrien Broner will now look to add his name to the distinguished list of Queen City natives who have worn a world championship belt on his November 26 which marks Cincinnati's first world title fight since Tim Austin beat Steve Dotse on June 16, 2001.
[quote=1chase;11333772]Rodriguez is basically committing suicide by signing to fight The Problem. Adrien Broner is on a whole different level than the rest of the junior lightweights and lightweights. Say what you want to say about him, but skill for skill…Comment by newcastleking on 10-26-2011
broner aint gonna be a star anyway, as soon as he fights mike garcia or gamboa even salido can smack em.Comment by LAFIRPO on 10-25-2011
I saw some youtube video of Rodriguez and I am shocked HBO is televising this fight. Al Haymon ruined HBO boxing. Haymon's fighters get the treatment of superstars when they can't draw flies and get low ratings. I hope the…Comment by CubanGuyNYC on 10-25-2011
[QUOTE=JibbaJabber;11334532]i'll take that bet if they fight.. remember me[/QUOTE] You got it. Just reach out if they're ever matched-up.Comment by JibbaJabber on 10-25-2011
[QUOTE=CubanGuyNYC;11334085]The mention of Gamboa's defense, or lack thereof, is old. Yuri has demonstrated excellent defense in his last few fights. The times he's appeared to show a weak "D" were always when he chose to tear straight through his opponents.…Post a Comment - View More User Comments (17)


text:
Viloria-Miranda: Scores Explained By WBO Supervisor
By Ronnie Nathanielsz
World Boxing Organization vice president for Asia Pacific Leon Panoncillo has praised newly crowned flyweight champion Brian Viloria for his courage in hammering out a twelve round unanimous decision against hard-hitting Mexican champion Julio Cesar "Pingo" Miranda at the Blaisdell Arena last Sunday, Manila Time.
Panoncillo who was appointed fight supervisor by WBO president Francisco "Paco" Valcarcel told BoxingScene.com/Daily Inquirer that the flyweight showdown was "a great fight and Brian proved to be worthy of himself as he took everything that Miranda could give and returned fire."
Panoncillo said Viloria "sure had enough in his championship heart that once again made him a world champion."
At the same time Panoncillo criticized the ring announcer who messed up reading the scorecards after the Viloria-Miranda fight saying "whoever hired the ring announcer made a big mistake. He really did not know how scoring is usually read and that made it a very awkward situation. Even how the undercard was read was not right."
He said the Hawaii Boxing Commission "requires that their scorecard to be read instead of our WBO scoresheet that has the twelve complete rounds. That made it confusing for the ring announcer because the Hawaiian Commission has two score sheets that they need to complete the scoring of each judge."
The WBO official said the ring announcer was "not informed by the commission and did not know that he had to read the second sheet with the complete scoring of the twelve rounds and he read only the first commission score sheer that had only listed up to ten completed rounds. He did not realize that he should have read the second sheet which had the scoring at the end of twelve rounds."
Panoncillo said he had the mistake corrected.
The supervisors sheet, with the running scores of the rounds for weach judge, should be enough to handle 12 rounds w/out a second page....a new sustem??? still could have given just the 2nd sheet w/names and finalscores...is that too tough…Comment by truushot on 07-19-2011
[QUOTE=Team Vitaminas;10861822]That explains everything.I get it,the fight wasn't even close but this way you argue the fact that the scores where wrong but forget who really fought and who ran and held on the whole fight.these guys are smart and…Comment by Team Vitaminas on 07-19-2011
That explains everything.I get it,the fight wasn't even close but this way you argue the fact that the scores where wrong but forget who really fought and who ran and held on the whole fight.these guys are smart and fool…Post a Comment - View More User Comments (3)


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Paper Chase is a research database designed to offer abstracts of research articles published in journals that have a highly rated impact factor as determined by ISI Impact Factor and PageRank. Abstracts are organized by date, with the most recently published papers listed first.
Paper Chase
Effect of cell spreading on cytoplasmic pH in normal and transformed fibroblasts.
Department of Cellular and Molecular Physiology, Harvard Medical School, Boston, MA.
Growth of normal fibroblasts requires an adhesive substratum on which to spread, whereas transformed cells can grow in suspension. Since an alkaline cytoplasm has been shown to be required for growth, we measured cytoplasmic pH in individual cells as a function of spreading. The degree of spreading was controlled by coating tissue culture plastic with varying amounts of the nonadhesive polymer polyHEMA. Completely round BALB/c 3T3 cells were 0.15 pH unit more acidic than spread cells. In short-term experiments, cells were treated with the peptide Gly-Arg-Gly-Asp-Ser-Pro to induce rounding or by plating on fibronectin to induce spreading. When cells were induced to change shape, pH changed rapidly and reversibly. All of the anchorage-dependent cell lines tested behaved similarly, but 3T3 cells transformed by the plasma membrane oncogene src or ras were able to maintain a relatively alkaline pH even when completely round. Cells transformed by the nuclear oncogene myc behaved like normal cells. Our results suggest that the requirement for spreading may in part be mediated by cytoplasmic pH. Anchorage-independent growth due to oncogenes that localize to the plasma membrane is associated with loss of this control mechanism.
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text:
- Report: #832430
Report - Rebuttal - Arbitrate
Complaint Review: Individual
Individual5257 Meyer Dr. Lisle, Illinois United States of America
Individual Steve & Sue Krenek Steve & Sue made false claims,stalking, and slandering me Lisle, Illinois
*REBUTTAL Individual responds: Karma knocked on Jeff's door and kicked him to the street
*Consumer Comment: Jeff Fank robbed us as well
*REBUTTAL Individual responds: Jeff is such a coward
*REBUTTAL Individual responds: Jeff Fank is spinning the truth again
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The poolhouse99 person ( Steve and Sue)that put me on here actually defaulted on the contract we entered into. Sue drafted the contract that I signed, so I was actually their subcontractor. The pool company they hired to install the pool after we excavated and poured the foundation, drove their trucks to close to the foundation and collapsed about 20' of concrete foundation. This cost about $12,000.00 to fix which Steve and Sue were supposed to pay for but they never did pay for
this. They also had my company build out extra work for a total of $7,500.00 which they again did not pay for. We also poured concrete around the pool which they were to pay us $10,000.00 when we poured it.
Again Steve and Sue did not pay, that's $$27,500.00 they defaulted on. My attorney sent them a demand for payment letter and stated we would not return until they caught up on the payments per the contract, which they never did. Sue sent 4 complaints to the States Attorney General and all were rejected as false complaints. These people have posted false
information about me and my company on many websites and have opened many email accounts so they can pretend they are different unhappy customers. The truth is they claim that I stole $500,000.00 from them, but the contract was about $200,000.00 and their project was about 80% complete.
They never hired an attorney or tried to take me to court. They claim I disappeared, bu I have lived in the same house for 12
years, they know where I live, I chased Steve off my property with my Rottweiler, after they dumped garbage in my driveway, I have the police report, they left a permit inspection sticker in the trash they dumped (not to bright) These people make a lot of false accusations. I have a customer satisfaction rate over 98% over 27 years. you can view some of
my work at chicagocreativedecks.com.
P.S. which they claim is my house, all 200 projects?
Unlike these people I will post my name because I have the documentation to back this up!
Thank you Jeffrey Fank
This report was posted on Ripoff Report on 02/01/2012 02:17 PM and is a permanent record located here: http://www.ripoffreport.com/r/Individual/Lisle-Illinois-60532/Individual-Steve-Sue-Krenek-Steve-Sue-made-false-claimsstalking-and-slandering-me-832430. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.
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#1 REBUTTAL Individual responds
Karma knocked on Jeff's door and kicked him to the street
AUTHOR: JAFinfo - (United States of America)
SUBMITTED: Monday, February 18, 2013POSTED: Monday, February 18, 2013
Jeff got sued and LOST, the judgment amount was $628,234.75.
Jeff couldn't rip off enough people to pay the Bank and he was taken to court and LOST.
http://issuu.com/shawmedia/docs/lmr-02-08-13 go to page 25 of the publication, top right of the page.
I also added a snap shot of the page.
Are you an owner, employee or ex-employee with either negative or positive information about the company or individual, or can you provide "insider information" on this company?
#2 Consumer Comment
Jeff Fank robbed us as well
AUTHOR: Joe Zee - Elgin - (United States of America)
SUBMITTED: Wednesday, July 25, 2012POSTED: Wednesday, July 25, 2012
He's a bad guy and a liar. I've posted a few times about him in the last few years because it still is on my mind how he burned us. Here's the part that really burns me ... when he came over to our house the first time, I had googled him and showed him a few bad reports on him. He was smooth and explained everything, and I actually offered to help him get rid of the reports. Because of Jeff, we don't trust contractors anymore and that's a shame. Jeff spends a good deal of energy defending his actions and like others who've posted about him, I challenge him to refute my claim. Holden Street, Elgin in Providence basement job around 4 years ago.
Are you an owner, employee or ex-employee with either negative or positive information about the company or individual, or can you provide "insider information" on this company?
#3 REBUTTAL Individual responds
Jeff is such a coward
AUTHOR: JAFinfo - (United States of America)
SUBMITTED: Wednesday, June 06, 2012POSTED: Wednesday, June 06, 2012
And the responds that is wrote from us is a LIE. He will not respond to this because he knows everything that I said is true.
Hey Jeff. I will meet you anytime Face to Face and we both bring our proof.
Then the Loser (which would be you) pays the other person for the work that was never completed.
You have my email firstname.lastname@example.com, just let me know when you want to meet.
My guess is never, because you can't handle the TRUTH !!!
Also is attached a photo of the quality work that Jeffrey Fank does.
Jeff you asked for Proof and you will get it. More pictures will be coming.
Are you an owner, employee or ex-employee with either negative or positive information about the company or individual, or can you provide "insider information" on this company?
#4 REBUTTAL Individual responds
Jeff Fank is spinning the truth again
AUTHOR: JAFinfo - (United States of America)
SUBMITTED: Sunday, April 29, 2012POSTED: Sunday, April 29, 2012
My name is Jeffrey Fank.
That is what he, Jeffrey Fank is using today, he also goes by: Jeff Fank, Jeff Adam, J Adam and many other forms of Jeffrey Adam Fank. Yes, I have seen these names on contracts that you, Jeff Fank have signed. See the following blog for other versions of Jeffrey Adam Fank that he has used and some of the many Company Names that he has used as well. http://jefffankatwcchs.blogspot.com/
In the title - False Claims, Stalking and Slandering
FALSE - Anything that I have written on the web is true!!! Besides, I haven't seen you, in years, how can I be stalking you, Jeff Fank? The only time, I called you was to see where my windows, doors, siding for the house and retaining wall was. I left my name and phone number. By the way, I am still waiting for you, Jeff Fank to call me back!!!
Sue drafted the contract that I signed, so I was actually their subcontractor
FALSE - it was your contract that you, Jeff Fank drafted!!! We made some modifications and additions that were approved by you, Jeff Fank. Then Sue, said that she would help you out, since you were busy and retype the contract with the agreed upon changes.
Defaulted on the contract -
FALSE you, Jeff Fank defaulted on the contract. We had a Final Payment due at the completion of the project (when you finished all the work per the contract). You, Jeff Fank never finished the project!!!
The pool company they hired to install the pool after we excavated and poured the foundation, drove their trucks to close to the foundation and collapsed about 20' of concrete foundation $12,000.
First of all, the pool company came thru YOU, Jeff Fank!!! You, have the pool company listed in the contract.
It was about 2 of the concrete foundation, which was fixed at the same time you, Jeff Fank tried to fix our house from the damages which were incurred when Jack ran into our house when he was removing old concrete and pouring the addition foundation. It wasn't even fixed by you properly, because when it rained water came through the crack. After you, Jeff Fank disappeared from the project we hired a subcontractor to finish fixing the crack in the house that you never totally fixed. Also, I never saw a bill for $12,000, please show me!
Had my company build out extra work for a total of $7,500.00
I have no idea where you are getting this number; the work that you, Jeff Fank did (which was very little) was listed in the contract or was what you, Jeff Fank needed to do per the Village of Lisle to meet code requirements.
We also poured concrete around the pool which they were to pay us $10,000.00 when we poured it.
FALSE - Per the contract we paid you, Jeff Fank for the concrete before you had a sub pour it. We have the check that was cashed by you.
Steve and Sue did not pay, that's $27,500.00 they defaulted on
First and foremost this is FALSE. In addition, you need to work on your math skills 12,000 + 7,500 + 10,000 = 29,500
My attorney sent them a demand for payment letter and stated we would not return until they caught up on the payments per the contract
FALSE - We NEVER received a demand for payment letter. If what you claim to be is true then why did you, Jeff Fank call me in June of 2006. I have your recorded voicemails, you left on my machine.
On June 23, 2006 at 4:30 PM; you, said the windows and doors were ordered and told me that the windows/doors would be here in approximately 4 weeks. That puts the delivery date around July 21, 2006. Those windows and doors have never been delivered. Do you know where they are?
On June 27, 2006 at 9:50 PM; this was the last time you left any kind of response on my voicemail; you called me about the windows and doors; waiting to hear from Scott about the ship date.
I am still waiting for the windows and doors, have you heard from Scott and when he will be delivering the windows and doors to my house, since we have already paid you, Jeff Fank for them?
Sue sent 4 complaints to the States Attorney General and all were rejected as false complaints
FALSE - Sue sent the first letter in which you, Jeff Fank responded to. Sue then responded to your lies with the Truth. You never responded to her follow up letter.
Sue re-contacted the Attorney General to find out the status of our case; they considered this case closed because you, Jeff Fank never responded back to them, not because of false complaints.
So the other 2 complaints must be from other people that you ripped off.
posted false information about me and my company on many websites and have opened many email accounts so they can pretend they are different unhappy customers.
FALSE - I have one email account for this issue. I would be willing to share more information about Jeff Fank, you can contact me at this address: email@example.com. I have also never posted any false information about you, Jeff Fank.
The truth is they claim that I stole $500,000.00 from them, but the contract was about $200,000.00 and their project was about 80% complete.
FALSE - I never said that you stole $500,000 from us. The lawyer(s) said that we could sue you for $500,000+ which would cover grief and aggravation, the cost of finishing the project, our time that we spent working on the project after you, Jeff Fank disappeared, non-use of the land (since you left our lot a mess) and more. The lawyer(s) also unanimously said we would win, but would never see any money because there we so many liens against you.
They never hired an attorney or tried to take me to court
When you, Jeff Fank leave the project, you, tell people to sue you. Well I was going to sue you!!! I did talk to 3 high profile construction contract lawyers. They all said if we sue you we would win in court because you didn't complete what was stated in the signed contract. (But Jeff Fank is a person that would not pay after he lost in court. The lawyers knew this because he has 20+ liens on his house from homeowners and subcontractors that have sued him and won judgments.)
They claim I disappeared, but I have lived in the same house for 12 years
FALSE - I said that you, Jeff Fank disappeared from our project. Spinning the truth once again.
I know you, Jeff Fank live at:
I chased Steve off my property with my Rottweiler
FALSE - you were walking your dog, when I got out of my car. At that point you asked who I was. (I assume you responded this way because there are so many people that you have ripped off, you weren't sure who it was.)
On 12/15/2006; ~ 7:30 PM, I confronted you in your driveway. I got out of my car, and asked you where my money was and why you hadnt finished the project; you, Jeff Fank said I spent all of your money and go head and sue me.
At that point, you said that you were going to call the police and tell them that I was trespassing on your property. I chose at that point to leave; it had nothing to do with your dog.
I just knew that you would lie to the police, like you lie to everyone else.
Dumped garbage in my driveway, I have the police report
I have never seen the police report!! Why would I dump garbage in your driveway? Per the contract, you, Jeff Fank said that you would clean up any garbage and/or construction debris left on our property every day. If you followed the contract, I would never just take garbage and dump it on your driveway.
project was about 80% complete
FALSE Again, please work on your math skills!!
Here is what little work was done by you, Jeff Fank but paid to you by us: foundation, shell to the addition, roof, concrete work inside only, a small portion of the electrical rough in and 1" of insulation and not the 4" that were needed. You told your insulation subcontractor that you wanted him to wait and come back later to put in the other additional 3" throughout the room.
Here is a listing of items that we had paid you to be installed on our addition that you, Jeff Fank NEVER installed or paid subcontractors to install (room approx. sixty feet by thirty nine feet).
Bathroom: plumbing, electrical, sink, toilet and shower.
6 skylights, 11 windows, 4 self-closing doors, T & G cedar wood for the inside walls of the room, siding for the outside of the room, 22 outlets, 19 switches, 3 phone jacks, green board/drywall, base trim, heater for the room, concrete patio outside the addition, retaining wall, fence between the garage and house, you never fixed our lot after you destroyed it, and I am sure that there is more. You, did put the concrete on the inside of the room, but you, Jeff Fank never paid your subcontractors for the work.
I paid for the rest of this work to be completed after you left (most of it twice, since I had already paid you for this work)
This doesn't seem like 80% to me. More like 20% done by you!!!
I have a customer satisfaction rate over 98% over 27 years. you can view some of my work at chicagocreativedecks.com. P.S. which they claim is my house, all 200 projects?
FALSE Again, please work on your math skills!!!! I know of over 20 people that have been ripped off by you, Jeff Fank. So lets do the math. As an example, to make this easy, I will use 20 people. For you, Jeff Fank to have a 98% satisfaction rating you would need to have 980 people satisfied with you.
980 customers / 27 years = 36.29 jobs per year you must satisfactorily complete.
365 days / 36.29 jobs per year = 10 days per job, so you would need to complete a job every 10 days. (This would include getting the job, getting the appropriate permits, passing all the inspections, starting and completing the job to everyones satisfaction).
This time frame doesn't include the time you have spent building the addition to your house which you never got a permit for until you were forced to by Cook County, IL.
In addition, you need to include time for the following: time spent in court being sued by your homeowners and sub-contractors and time spent in court for the multiple foreclosures of your house.
As for your claim that all 200 projects are all your house.
I said that anyone could make up a website, and make-up names saying they are satisfied customer(s). When I looked at the reviews that were written by Nancy G and Dr. Henry, I noticed something.
I noticed that if you look at
Dr. Henry posted 3 minutes after Nancy G. Also on
Nancy G posted 1 minute after Dr. Henry. Could the reviews possibly be written by the same person, could they both be you, Jeff Fank?
The reason that I have posted TRUE information about you, Jeff Fank, is that I don't want anyone else to be ripped off by you or be hurt by you!!!!
Maybe I should post the pictures of the addition and how you, Jeff Fank left it!!! I can if you would like me too!!! And why would I stop paying you, Jeff Fank, so I could go into my retirement savings and pay hard working tradesmen to finish the job that you started. In addition, I spent all of my vacation time one year (of the 3 1/2 years it took from start to completion) to work on the project that you had disappeared from and do as much as I could.
Sue became the General Contractor on the project. She hired new subs to finish the project, I know she did a better job then you could have ever done!!!
Also you told me that you, Jeff Fank have not paid incomes taxes in 5 - 10 years when you were at my house. So how are you so successful with all these clients, but you don't pay any taxes? Hmmmm
Are you ripping off the IRS???????? Also, I am sure they would like to see your books!!!
When you, Jeff Fank respond to this post you will do 1 of 3 things (this is a guarantee, I have seen you in action):
1. Pick out a few words that I have just stated and fixate on them.
2. Not talk about any of the facts that are provided above by me because you, Jeff Fank know it is all true and you will go off on another tangent.
3. You, Jeff Fank will never respond, because it is all true.
Are you an owner, employee or ex-employee with either negative or positive information about the company or individual, or can you provide "insider information" on this company?
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Limiting food intake leads to the conversion of white fat cells into more metabolically active brown fat cells through an immune response, a mouse study shows.
Do Schizophrenic Brains Repair Themselves?
August 1, 2016|
Preliminary research suggests that the brains of schizophrenia patients may regain tissue mass as the illness wears on.


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You missed it This great deal for Happy Cakes Bakeshop is over. But don't despair, we've got more great deals every day.
Related Deals That You May Like
Happy Cakes Bakeshop
12 Gourmet Cupcakes from an Acclaimed Bakery
97% recommendedin LivingSocial customer ratings
This Colorado staple has received national attention from MarthaStewart.com and local praise from 5280 magazine. See -- or, rather, taste -- the reason for the hype:
• $18 ($35 value) for one dozen gourmet cupcakes
• Pick up your freshly baked goodies at the Longmont or Denver location
• But remember to place your order well in advance -- this place is popular
"I chose Happy Cakes initially because they had donated... cupcakes to my son's bake sale last year, but I'll choose them again after the fantastic batch I bought for my friend's party last night! They were the talk of the party! I will be back!"
- One of More Than 4,500 Facebook Fans
Why You'll Love It
While this extensive menu changes with the seasons, one thing stays the same: It's always packed with sugary, scratch-made treats created from natural ingredients. The spring menu is already making our mouths water; it features a rotating selection of cupcakes in flavors like cookies and cream, Nutella French toast, and maple bacon. Stop by Monday through Saturday to enjoy a full dozen.
PAID VALUE EXPIRES ON August 29, 2021
PROMOTIONAL VALUE EXPIRES ON May 30, 2014
3434 W 32nd Avenue, Denver, CO 80211
303-477-3556 | get directions
449 Main Street, Longmont, CO 80501
720-438-2113 | get directions
Buy this Deal with confidence, because it's covered by the LivingSocial Good Deal Guarantee up to the Voucher Expiration DateSee Details »
the fine print
- Limit 1 per customer, up to 1 additional as a gift
- Pre-ordering required and subject to availability
- Excludes February 13-15, 2014
- No customization
- Valid only at the listed locations
- Entire value must be used in a single visit
- Other conditions apply
special delivery
shop unique gifts and deliver them with style
easy, flexible delivery
print it out, email it now, or schedule it for a later date--it's up to you
personalized email
Emailing your gift? Write a message, select a theme, and hit send. The price you paid will not be displayed in the email.
special printed voucher
Delivering the gift in person? Choose a theme, print it out, and pass it along to that special someone. It's that simple.
Deal Fine Print
Limit 1 per customer, up to 1 additional as a gift
• Pre-ordering required and subject to availability
• Excludes February 13-15, 2014
• No customization
• Valid only at the listed locations
• Entire value must be used in a single visit
• PAID VALUE EXPIRES ON August 29, 2021
• PROMOTIONAL VALUE EXPIRES ON May 30, 2014
• Cannot be combined with any other offer or promotion
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• LivingSocial Terms and Conditions - https://www.livingsocial.com/terms


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Libra - Weight Manager
Coding Buffalo
- June 5, 2016
Offers in-app purchases
( 19,400)
Libra tracks your daily weight changes and displays them in a beautiful interactive chart
- Simple data entry
Libra asks for the following permissions:
- Simple data entry
- Scrollable, zoomable chart
- Weight goal
- Time-to-goal estimate
- Daily KCal estimate
- Visualisation of your diet plan in the chart
- Statistics
- Import/Export to Excel (.csv)
- Synchronization with Withings (download only)
- Withings real-time push notifications
- Widget
Libra asks for the following permissions:
- Internet: Withings sync and showing ads
- Access network state: Required by the ads library
- Write external storage: Importing and exporting the database
- Receive boot completed: To reset the daily reminder on reboot
- Get accounts: Receive push notifications from the Withings service
- C2DM receive: Also required for push notifications
- Wake lock: Handling of received notifications
Back up doesn't work! I'd been backing up my data weekly to my SD card. Just got my new phone yesterday, went to import database and it says "database empty" - 3 years of data lost! Fantastic!
Really like this app. Use MyFitnessPal for carb tracking, Fitbit for activity tracking and Libra for weight tracking. I know the others have weight tracking options but I like the simplicity of this app and the visual graphing, etc. I just wish there were more sync options. Perhaps the ONLY fitness app I don't use, Google Fit, seems to be the only other app Libra syncs with. That's just a small gripe though.
Very good, but often stops synchronizing. I've had this app for less than a month, and twice it has refused to synchronize and obtain my newest weights. The first time it eventually worked after a few days. Hopefully that will hold true for the second. Update: After using this app for six months, the problem persists. The last synchronization was a few weeks ago, shortly after I updated to the most recent version, which promised a synchronization fix.
Trend setter I love this app because not only does it record weight but gives trends and statistics. Only thing is I'm intending buying a iPhone - any chance this app could be developed for Apple phones?
Really disappointed with this app. Easy to use, great features, but the trendline makes no sense at all. Of 21 data points, the first is on the line, 19 are below it and only 1 is above! When I enter a point which would be above the line, the line is hiked up to go above it, so the line is flying above the data by about two pounds on average. I don't know what is going on with the maths here but it is a mess. I have tried playing with the settings but I can only make it smoother or rougher - I can't make it actually show a proper trend that makes sense with the data I've entered, meaning all its helpful numbers are just so much gibberish. So disappointed.
Annoying video ads Useful app but adware sucks, and motion/animated/video ads are especially annoying. Sync appears to be working again at least.
What's New
- Fix Withings sync
- Fix back button closing app when database screen is open
Your Free Diet, Fitness Beauty for Better Health(Body Fat, BMI Period Tracking)


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In the Blawg Directory:
Explore the ABA Journal:
A blog covering environmental and energy law news with analysis and insight from environmental law attorneys.
Author: The blog is published by Davis Wright Tremaine LLP. Margaret Claybour, Craig Gannett, Vidhya Prabhakaran, David Ubaldi, Gerald George and Rick Glick are the editors of the blog with various other contributors featured.
Related Categories: Environmental Law | Energy Law | Law Firm | Partner


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Inside and Outside Jones Hall a wide array of activities enable the Symphony to engage Houstonians of all ages and backgrounds and make music a relevant, accessible and integral part of their lives. Through more than 200 education and community engagement performances and events, the Houston Symphony works to fulfill many of our community's needs.
Whether you're at the beginning of your music making journey or finding the path again after years away - you will find great joy (and some challenges) at every step. The Houston Symphony is here as a resource to help you in your pursuit of music-making.
We believe that our role in furthering education in Greater Houston is to inspire students to be involved in music during the upper-elementary grade levels. Through their musical pursuits, we believe that students will gain life-skills that will lead to tremendous success. At the Secondary-level, the Houston Symphony is focusing its resources towards instrumental music programs to provide motivation and role-modeling that encourages students to continue playing their instrument with the highest of goals in mind.
The great flexibility of the Houston Symphony is that we need not sets, special floors or exacting exhibition space. Any place where there is room for a chair, a music stand and a person can become a potential performance space. We are able to bring great musical art anywhere.
Some gifts can last a lifetime. Such is the case when you give your child the world of music. By opening this door, you and your family will find and share experiences that you will always remember.
Are you curious? Do you need to know more? Do you wish to know just the basics? Or does your interest run much deeper? The Houston Symphony has the answers just for you.
The Houston Symphony gratefully acknowledges the following supporters of the Symphony's Education and Community Programs.
Get a behind-the-scenes look at the Houston Symphony as well as select upcoming guest artists on our blog.View Our BlogTo access the Symphony on the go, download the free app for your iPhone and Android phones in the app store today. View upcoming concerts, purchase tickets, learn about our musicians, watch videos, and more.
Learn about our more than 250 concerts and activities a year, reaching more than 300,000 Houstonians.
Make a donation to the Houston Symphony today to help enrich the lives of more than 400,000 Houstonians through spectacular performances, educational programs, and community initiatives.


text:
Drought devastates Lesotho as water is exported to South Africa
Country once nicknamed 'the Water Castle' is not benefiting from the vast Katse Dam
Country once nicknamed 'the Water Castle' is not benefiting from the vast Katse Dam
Having found an underground lake the size of Windermere in Kenya, Alain Gachet tells John Lichfield how his radar scanning technique can reveal immense reservoirs of water under the most barren and impoverished territories on Earth
Fishermen are making use of the re-appearance of the ruins to ferry curious passengers around its walls
Tiger Woods endured one of the worst days of his distinguished career as he shot a 79 at the Farmers Insurance Open on Saturday to miss the third-round cut.
During an extreme event, countries in the western Pacific experienced devastating droughts and wild fires
Kevin Keen has been preparing the Baggies for the third round clash
A wildfire in central Idaho forced the evacuation of 2,250 homes near the upmarket tourist towns of Hailey and Ketchum over the weekend, as firefighters lost ground against the blaze that also threatens the Sun Valley ski resort.
While some purists remain reliably condescending, the Shergar Cup has earned a legitimate niche in the racing summer.
Senior minister from the collection of low-lying coral atolls in the north Pacific says the end of this century will spell 'the end of my country and many others like it'
A note uncovered by a BBC News Freedom of Information request showed the organisation made the concession after April 2012 became the wettest on record
Fiona Shaw leads her audience a surprisingly merry dance to Coleridge's bleak epic poem
John Higgins, the four-times world champion, is no stranger to success. But even Higgins, regarded as one of snooker's greatest ever players, has found silverware hard to come by in recent times. Since winning the World Championship at the beginning of May 2011, the 37-year-old has failed to win any of snooker's three major titles – the World, UK Championship or Masters.
Arsenal's inconsistency leaves manager unsure whether to strengthen
Hangeland returned from suspension last night as Fulham recorded first win in eight matches
Change of headgear can revive Hughes' chaser while Big Buck's looks on course for win No 18
One of the world's great civilisations was forced into terminal decline by successive dry periods culminating in a prolonged drought, according to a study that throws fresh light on the mysterious disappearance of the Maya in Central America around 1,100AD.
A 52-year-old British woman has been reported missing in severe flooding which has so far claimed nine lives in southern Spain, authorities said today.


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4.7 out of 5
Professor, Neurosurgery
Department: 336-716-4081
Insurance Accepted »
Professor, Neurosurgery
Academic: 336-716-4020 | Department: 336-716-4081
For a listing of recent publications, refer to PubMed, a service provided by the National Library of Medicine.
For a list of earlier publications, visit the Carpenter Library Publication Search.
Professor, Neurosurgery
Professor, Neurosurgery
4.7 out of 5
The overall Patient Rating score is the average of responses to the nine questions listed below. The questions are from the Press Ganey Patient Satisfaction Survey. Responses are measured on a 1 to 5 scale, where 1 represents "very poor" and 5 represents "very good."
Comments are taken from the Care Provider section of the Press Ganey Patient Satisfaction Survey. Comments are posted exactly as they are written. Comments are added weekly. To protect patient privacy and confidentiality, patient names are not included.
Caring Dr!
The confidence that Dr. Wilson projected during our conversations made me feel very at ease. When I met Dr. Wilson, I had been told by another Doctor at another facility that he had never seen my condition and that a stroke could be immediate in my very near future. Dr. Wilson assured me that he could fix my problem and followed that statement by doing that very thing. He performed the surgery without complications just as he had told me. In fact it turned out better that I had anticipated!
*Dr. Wilson has been my NS for 10 years now, I would recommend him to anyone he is the greatest.
This was a 3 month post-op visit with neurosurgeon. He was able to see and comment on the MRI I had 2 hours earlier. It was a very short visit since he had to rush to do an emergency surgery. All my questions were answered during the visit.
Dr. Wilson is an excellent physician . He has performed spinal fusion surgery twice for me. I will go to him again if necessary.
The doctor and staff make me feel like I am their biggest priority. I feel they know me well and they make me feel important.
The PA *Lindsay was very nice, really liked her. *Dr. Wilson is the greatest!!
Dr. Wilson took time to explain my diagnosis and his plan of surgery. He also had another provider join us to explore other options for treatment. It was so helpful to me in choosing the treatment for me.
Very good care.
Dr. Wilson is very kind and empathetic
I have been a patient of Dr Wilson' for 1 1/2 years. He is very professional, knowledgeable, caring, and takes time to explain to me information (pros and cons) concerning my problem. I have much confidence and respect for Dr Wilson-& would not consider going to anyone else. I believe God is using him to bring healing to my situation.
I have previous experience with Dr Wilson from my husband whom he treated for cancer. I immediately knew it was Dr Wilson I wanted to see when my condition arose. I put complete trust in him.
Dr. Wilson gave me several treatment and surgical options for my medical condition. He made me more at ease with his knowledge and experience with my medical condition.
He saved my life. He is a very caring person.
Very good.
Dr. Wilson is excellent- I was paralyzed from waist down and am ambulating with a walker. He received my Myelogram via CD and called me the evening he received and had me sched. for surg. before we left our home in Hickory NC
Dr. Wilson took time to explain test results in a way that was very reassuring. It was a great visit. Very thankful for have him for my doctor.
The Joint Replacement Program at Wake Forest Baptist in Winston-Salem, North Carolina will review surgery options with you for lasting pain relief.
Disclaimer: The information on this website is for general informational purposes only and SHOULD NOT be relied upon as a substitute for sound professional medical advice, evaluation or care from your physician or other qualified health care provider.


text:
Storm over pebble bed modular reactor as Eskom ponders its resurrection
It still has staunch believers but sceptics question the project's feasibility, writes Lynley Donnelly.
It still has staunch believers but sceptics question the project's feasibility, writes Lynley Donnelly.
South Africa will make a $49 billion profit on a $50 billion nuclear power station fleet, if a utopian report is to be believed.
Readers write in about Zuma, and Eskom's nuclear plans.
Naysayers refuse to see how the nuclear power industry has evolved and become economically viable.
The public protector has a year left in office and hopes to resume quiet meetings with Cabinet. But Madonsela's going won't be with a whimper.
Trainees from "major role players" in the industry set to learn about nuclear power plant engineering, procurement, maintenance and other subjects
Russian energy company Rosatom has made it clear they should be the sole supplier of everything nuclear in South Africa.
South Africa has agreed to a strategic partnership with Russia, worth $50-billion, to significantly increase its nuclear power generation capacity.
Jacob Zuma's plan for a fleet of nuclear power stations has the potential to impose a burden under which the South African economy could buckle.
Dogged by scandal at home, President Jacob Zuma has headed to Russia, seemingly on a trip about trade relations.
South African authorities will have to address two critical issues as the country faces signing for its new nuclear procurement megaplan.
It is likely that SA's much-awaited second nuclear power station will be put out to tender after September this year, the M&G has learned.
Algeria aims to build its first commercial nuclear power station around 2020, Energy and Mines Minister Chakib Khelil said on Tuesday.


text:
- Report: #909592
Report - Rebuttal - Arbitrate
Complaint Review: Fusion Magazine
Fusion Magazine6023 W Clinton St - Boise ID 83704 Boise, Idaho United States of America
Fusion Magazine Brian Shields, David James Smith (Smitty), FUSION MAGAZINE BOISE, IDAHO Fake Talent buyers, Check fraud, Delinquent accounts, non payment, scams, lies, deception, Investment fraud Boise, Idaho
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Brian does all of his business under Fusion Magazines accounts. He writes bad checks that bounce, knowing there is not money in the account. When you tell him he needs to pay the fees and the money he owes. He threatens with "his Lawyer".
These guys are the epitome of Shady Promoters. They bill large headlining talent like HyperCrush without authorization, put out publications and flyer promotions using the artists name altho they have never given the artists a dime and did not book them in any way.
This is a total scam. if you ever come across these two. do not deal with them. they dont pay their bills.
This report was posted on Ripoff Report on 07/10/2012 03:08 PM and is a permanent record located here: http://www.ripoffreport.com/r/Fusion-Magazine/Boise-Idaho-83704/Fusion-Magazine-Brian-Shields-David-James-Smith-Smitty-FUSION-MAGAZINE-BOISE-IDAHO-Fa-909592. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.
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Hudson Valley Federal Credit Union Business Partners
At Hudson Valley Federal Credit Union (HVFCU), business owners enjoy the same benefits of credit union membership as individuals— affordable savings, lending, investment, and insurance products. HVFCU is grateful for our community's support, and they show that appreciation in a variety of ways. Like Marist, HVFCU is committed to strengthening the quality of life for their neighbors in the Hudson Valley. Marist and HVFCU are pleased to partner in a unique program that allows HVFCU business members to offer discounted higher education to their employees.
What benefits are available to HVFCU's Business Partners?
Hudson Valley Federal Credit Union Business Partners, along with their immediate adult family members, will receive the following benefits:
- Employee and adult family members receive a tuition discount on select graduate and adult undergraduate degree programs.
- Options for in-class, 100% online, or a mix of both.
- Classroom based bachelor's and master's programs offered in Poughkeepsie, Fishkill, NYC, and Albany.
Hudson Valley Federal Credit Union Business Partners, employees and their immediate adult family members must show proof of employment in order to qualify for the partnership tuition rate.
Adult undergraduate students are defined as students who began their Marist academic career at age 22 or older and who are applying through the office of Adult Undergraduate Admission. Graduate students are those students who are initiating an application for a stand-alone masters degree through the Office of Graduate Admission.
Final determination of eligibility is made by Marist College.
Complete our online inquiry form to receive more information. All contact information provided is confidential.
Not a HVFCU Business Member and want to become one?
If your business is located in Dutchess, Ulster, Orange, or PutnamCounties, you are eligible to open business accounts with HVFCU. Additionally, sole proprietors who live, work, worship, or attend school in Dutchess, Ulster, Orange, or Putnam Counties, are also eligible, even if your business is located outside those counties. Eligible businesses include: Sole Proprietorship/DBA (Doing Business As), Corporation, Subchapter "S" Corporation, Limited Liability Company (LLC), Partnership, and Limited Liability Partnership (LLP).
Programs Offered
Marist College offers students a variety of programs on-site and online for both graduate and adult undergraduate (ages 22+) learners.
Please visit our eligible programs page for more information.
Getting started is easy! The time is now!
Whether you'd prefer to speak with someone online, over the phone, or in person, our Admission Advisors are ready to help. Be sure to mention that your employer is a HFVCU Business Partner. HVFCU Business members' employees and their families must show proof of employment to qualify for the partnership tuition rate.
- For further information or inquiries concerning the application process, please contact the Office of Graduate Admission, at email@example.com or 888-877-7900.
- Upcoming Events and Information Sessions
If you live or work in the New York area, it's easy to meet with our faculty and learn about our professional curricula, admission requirements, financial aid/scholarships, and the application process.
We look forward to hearing from you and assisting in your goal of furthering your education!
For information about business accounts at HVFCU, visit their website at hvfcu.org for the branch nearest you, or call them at 845-463-3011.
1Hudson Valley Federal Credit Union is insured by the National Credit Union Administration. HVFCU is an Equal Housing Lender.
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text:
Uber will make saving in an IRA easier. YouTube improves its TV app.
Consumers love to shop on Amazon -- but the online behemoth wasn't the only retailer to pick up share last quarter.
IHS Markit said Netflix (NFLX) is set to surpass 100 million subscribers worldwide by 2018.
So let's remember that recovery in case things get dicey again.