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Jill Granoff doesn't wait for opportunities. She creates them. Granoff ascended to the top tiers of the beauty industry guided by a simple motto: "Ask for what you want and make things happen." She then successfully applied the same dictum to fashion, rising to her current post of chief executive officer of Kellwood Co. and Vince, which together generate an estimated $1 billion in retail sales.
This story first appeared in the May 10, 2013 issue of WWD. Subscribe Today.
"People often ask me how I made the switch from beauty to fashion," says Granoff. "They are both really about aspirational brand building. The key is to ask, 'What are you good at?' I am good at defining a vision, a strategy to achieve it, building and motivating great teams and delivering results. You can apply that to many different industries. For me, fashion was a logical extension."
But her fondness for beauty remains front and center: A bookshelf in her office overlooking Times Square displays a collection of framed photos of Granoff alongside industry heavyweights, including former Estée Lauder Cos. Inc. ceo Fred Langhammer, Limited Brands Inc. founder, chairman and ceo Les Wexner and Robin Burns, her mentor both at Victoria's Secret Beauty and at Lauder.
Granoff, who exudes decisiveness and determination, is now happily entrenched in her new role. She says with a smile, "Fashion is my passion now."
You left beauty in 2006 for Liz Claiborne. Do you ever miss the business?
Of course there are times that I miss the business. I probably miss the people the most. After 17 years in the beauty industry, I've forged many great relationships, and the caliber of talent in beauty is very high. One of the things I am particularly impressed with is the number of women in senior leadership roles.
Do you continue to keep close tabs on the beauty business?
I do. I serve on the board of CEW, so I stay abreast of key industry activities and I read all the major news stories in WWD, but I'm not into the product details as much as I had been. There just aren't enough hours in the day. Fashion is my passion now.
In your view, what are the similarities between beauty and fashion?
The beauty and fashion industries are both about making women and men look good and feel good. But they are also about letting individuals express their unique personalities and sense of style. I think it's really important for companies to focus on understanding the consumer both from a psychographic and a demographic perspective. The most successful companies are those that convey an aspirational lifestyle, offer compelling products and product experiences that are tailored to that lifestyle and establish an emotional connection to the customer. Examples in fashion would be Ralph Lauren, Michael Kors, Urban Outfitters and Vince. And in beauty, I think MAC does it the best.
What's an insight that you've had in fashion that would be relevant to beauty?
In fashion we often talk internally about merchandising pyramids and having the right balance between fashion and core products. You need to have the right balance of tried-and-true and you need to have something new. At the base of the pyramid are the item drivers that form the foundation of the business. At Vince, it would be products like tanks, T-shirts and basic leggings that every woman has in her wardrobe. They are basically seasonless. However, at the top of the pyramid, we need the emotional, got-to-have-it items, including leather, fur, mixed-media products that are going to generate the editorial coverage and likely sell out quickly. The beauty business could and should think of its product assortment in the same way.
What's your assessment of the current consumer mind-set?
They are smarter than ever before. They expect shopping experiences to be tailored to their everyday needs. People want the ability to shop from anywhere at any time, with mobile commerce and social media growing in importance. Perceived value and convenience are also paramount given the explosion of choices on what to buy and where to shop. And value is not just about price. It's also about frequency of use and wear occasion.
What does the industry need to pay close attention to in the year ahead?
The digital revolution. It's changed how people shop and communicate with one another. Companies need to rethink customer engagement, online experiences, marketing strategies and even inventory planning. An omnichannel approach is critical to ensure consistency across channels and to drive competitive advantage.
What types of retail formats do you find most interesting at the moment?
There are a lot of interesting things that are happening online. I still find customization at sites like Nike ID very cool. Mr Porter is also among my favorites. The site talks about what's new and what to wear. There's a lot of editorial context—it's almost like a magazine online. From a bricks-and-mortar standpoint, I just love Eataly. I could spend hours there. It combines high-end shopping, eating and hanging out all in one location. It's very similar to how Apple and Starbucks made their stores a place of community, encouraging people to linger and to come back again and again. My favorite store from a fashion perspective is 10 Corso Como in Italy. It's like the Museum of Modern Art for fashion. It's a curated collection with some of the most well- known designers, but also fabulous up-and-comers and there is always a sense of discovery.
You've worked for some great leaders. What did you learn from each?
I have worked for some great leaders, including Leonard Lauder, Fred Langhammer, Robin Burns and Les Wexner. From Leonard, I learned to protect your brand at any cost. This means never compromising on product quality, being highly selective about where you distribute and market your products and that details matter. From Fred, I learned to do your homework. Get to the point quickly and deliver results. Fred was super smart, very fast and very busy. So you always had to be prepared and hit your numbers. Robin taught me many things as she was truly my mentor at Estée Lauder and Victoria's Secret and she is still a dear friend. The thing that stands out the most is the power of innovation and to treat people with kindness and respect. Robin really knew how to motivate a team and cultivate loyalty. And from Les, I learned how to start with the end in mind. We never would have doubled Victoria's Secret Beauty from $500 million to $1 billion if Les hadn't stretched our thinking. He said, 'Don't increment off the base. Close your eyes. Envision the future and work backward to define the road map.' Les was also a big believer in the power of distortion—constantly pushing us to focus our time and attention on things that move the needle.
What are the qualities of a great leader?
They posses four qualities. They create and articulate a compelling vision of the future along with the strategies to achieve that vision. They surround themselves with the best and the brightest people and leverage their talents to implement the strategies. They focus on things that matter, and they don't get distracted or sweat the small stuff. And they deliver results consistently and recognize and reward the team that made the results happen.
How would you describe your leadership style?
I've been told that I am passionate, high energy and an inspirational leader—someone who never loses sight of the big picture, but also who gets into the details. I tend to surround myself with star athletes and push people to be their best while working as a team. I also firmly believe in transparent leadership, so I try to communicate as openly, honestly and frequently as possible. I also try to wake up every day with a positive attitude and encourage my team to see problems as opportunities that we should seize so we can continue to raise the bar.
What advice would you give to young executives?
You are in charge of your own destiny. You have to ask for what you want and make things happen. Don't be one of those people who watch things happen. Take the initiative. Do your homework. Make the most of every opportunity. For example, if you are going on an interview, research the company by reading the annual report and current news articles. Go to the company's stores and check out the Web site. Google the people who you'll be meeting with and prepare a list of questions in advance. It's also important that you think about the results that you've achieved and the functional and leadership skills that make you special. Then think about how those skills and experiences help the company. You have to remember that it's not about you. It's about the company and how you can help the company achieve greater success.
What drives you?
I am driven by a fear of failure. To put that in a more positive light, I'm driven by a will to win. My parents taught me to work hard, work smart and be the best that you can be. That's how I live my life. I encourage my team and my kids to do the same. I've been quite fortunate both professionally and personally and now I feel an obligation to give back and help future leaders.
What do you do to relax?
I love to ski in the winter. I've probably skied over 30 days this year. We have a house in Vermont and a place out in Utah. Even though I'm not relaxing the body, I am definitely relaxing the mind. I also love to travel to exotic places. Some of my favorites are Bali, Africa, Alaska and the Galapagos Islands. And to relax, I like to drink red wine. My husband has a great cellar. And of course, be with my kids.
What keeps you up at night?
Nothing. I only need four to five hours of sleep a night. I'm always on the go, but when I get into bed I fall asleep the second my head hits the pillow. I burn the candle at both ends.
Would you consider returning to the beauty industry and if so, what would your dream job be?
I would absolutely consider returning to the beauty business. It would have to be a ceo role of an aspirational brand or portfolio of brands that really resonate with customers globally.
In Brief
Jill Granoff, a native of Long Island, N.Y, received her undergraduate degree from Duke
University and her MBA from Columbia University. She began her career as a management consultant at A.T. Kearney and then ran her own consultancy for five years. The Estée Lauder Cos. Inc. was a client and Granoff asked then chief executive officer Fred Langhammer for a job. With no openings to fill, Langhammer created the role of executive assistant for Granoff. She spent nearly a decade there, rising to senior vice president of strategic planning, finance and information systems. In 1999, she departed for Limited Brands Inc.'s Victoria's Secret Beauty, where as president and chief operating officer she helped double sales to $1 billion. She traded beauty for fashion in 2006, joining Liz Claiborne Inc., before moving to Kenneth Cole in 2008 as ceo. She joined Kellwood Co. as ceo in May 2012, and added the title of ceo of Vince in Jan. 2013.


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Antique Alley has returned to Highway 11/80. It stretches more than 500 miles, with plenty of antiques, collectibles, and other treasures along the way.
Shoppers got out early to begin the hunt for treasures. This is the 13th Annual Antique Alley. It runs through five states, beginning in Meridian on Highway 11/80 and going all the way to Bristol, Virginia.
"This is the starting point, all the way up 11/80. It makes you feel good to be a part of something so big," said vendor A.C. Henderson.
"We are looking forward to getting down the road and finding more treasures," said shopper Robin Ivey. "We are just real excited to get going."
Antique Alley is a boost to local tourism. Shoppers come from all over to find that perfect item. It will continue through Sunday.

subset: commoncrawl


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Find the length of the missing side of this triangle.
the hypotenuse is missing
5 cm
a leg is missing
40 in
Could a right triangle have side lengths of 29, 21, and 20 inches?
the hypotenuse is the longest side
Make it rain.
The who, what, where, when, and why of all your favorite quotes.
Go behind the scenes on all your favorite films.
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Change Location
ACE Fit Share
Fit Life Articles
If you find yourself not making any gains or simply want a different exercise program, here are six ways using heavy weights can help you make the changes you want to see in your body.
Wondering which foods should be a part of a healthy, clean diet? Numerous foods make the grade, but some foods, such as dairy, pulses, nuts and seeds, can be considered "triple threats," as they contain a mix of protein, carbohydrates and fats, making them well balanced...
Eating enough protein is essential for both maintaining and losing weight, as well as for helping muscles repair after workouts. But exactly how much protein do you need? Learn why you may be underestimating your protein needs and how you can get more protein in your diet....


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Marin AIDS Project
Marin AIDS Project, a program of The Spahr Center, has been providing a safety net of HIV/AIDS services, education, prevention and support for the people of Marin since 1984......
Everyone at the Spahr Center is holding the peopleof Orlando in our hearts. We stand with the LGBTQ community across the country as we express our deepest sadness in response to the tragic attack at Pulse and our collective resistance toward discrimination and violence. Donations can be sent to The Spahr Center and we will transmit them to LGBT agencies in Orlando that are assisting victims and their families.
Many thanks to all who have donated to sponsor our walkers! And it's not too late to give; donations can be made until August 15th.
Free HIV Testing - DROP IN! - No appointment needed Tuesdays and Thursdays - 4:30 - 7:00 pm 910 Irwin Street, San Rafael Free and Confidential HIV and Hep C testing Ask us about PrEP; we have the latest information! Call (415) 457-2487 for more information or click here HIV Testing and Information
PLEASE SUPPORT OUR PANTRY!Over 30 clients shop at our pantry every week. With your donation, we purchase at discounted prices from the Food Bank. Please help our very low income clients - men, women and children - have nutritious meals. Also, your planned gift means there will be help in the future for all who need and depend upon our services and support. Thank you for your generosity. Please click here to make your gift today.
FREE SYRINGE ACCESS & NARCAN MONDAY - FRIDAY 9:00 am - 5:00 pm 910 Irwin Street, San Rafael Also Tuesday & Thursday evenings until 7:00 pm Click here for more information about how to get and dispose of syringes including a list of pharmacies where you can buy syringes without a prescription. NARCAN is now available; ask us today.
MIX IT UP with The Spahr Center Mixers are on the 4th Monday every month from 5:30-7:30 pm. We're moving back to Jason's in May! Join us on the patio on Monday, July 25th! Call Jennifer at (415) 457-2487 x-104 if you need more information.
SUPPORT GROUPS OPEN! For long-term survivors; for HIV+ women; for Latinos who are living with and/or affected by HIV - Spanish is spoken. Call Kyle at 415 457-2487 x-113 for information.
Ryan White Emergency Assistance Funds are available. Call Annie at (415) 457-2487 x-115 for information or to make a request.
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iPhone & iPod Case
INVATRIS : The reinforcements arrived!by Diego Tirigall
Free Worldwide Shipping Ends Tonight at Midnight PT!
Protect your iPhone with a one-piece, impact resistant, flexible plastic hard case featuring an extremely slim profile. Simply snap the case onto your iPhone for solid protection and direct access to all device features.
In 'Invatris', the two universes of the classic Space Invaders and Tetris videogames merge. 'Invatris' comes from that combination, where we see how the reinforcements of the Tetris world arrive… just when the forces of the Space Invaders are about to give the coup de grace!


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Michael Jackson Vienna tribute concert series canceled
VIENNA (AP) - A global Michael Jackson tribute in front of an Austrian palace has been scrapped and moved to London, organizers announced Friday, saying they needed more time to put together a show fit for the King of Pop.
Event promoter Georg Kindel and Jackson's brother Jermaine told reporters that too many top performers had scheduling conflicts, and they blamed the media for stirring up a negative atmosphere.
Friday's announcement came at the end of a turbulent week of reports that supposedly confirmed that artists including Mary J. Blige, Chris Brown and Natalie Cole couldn't make the event. Many invited artists had scheduling issues, and "maybe we underestimated these issues," Kindel said.
"The purpose for this show is to give something back to the fans ... we have to do this right," Jermaine Jackson said, at one point using a tissue to dab at one of his eyes.
"It's not about name-dropping," he added, answering critics who had complained that mega stars such as Madonna didn't figure among the headliners.
Michael Jackson died June 25 in Los Angeles at age 50.
The original plan had been to stage the tribute Sept. 26 outside a 17th-century palace in Vienna. Instead, Kindel said, it will be held at London's Wembley Stadium sometime in the first half of June 2010.
Everyone who bought tickets for the scuttled Vienna event will get refunds, he said.
Some fans had paid up to €512 ($745) for VIP seats, and many expressed unhappiness that no major stars had been confirmed. Among the other performers said to have been confirmed were Sister Sledge, Akon and German boy band US5.
Nina Ellend, spokeswoman for World Tribute Productions GmbH, said the issue of whether people would be reimbursed for travel arrangements had not yet been addressed. Roughly 32,500 tickets - half the number available - had been sold, she said.
Kindel told reporters the decision to move the event out of Vienna was made partly because "renowned artists of the tribute were disrespectfully treated as B-list artists or even losers."
"We are going to a place where these artists are greatly appreciated and where Michael Jackson wanted to start his comeback tour," Kindel said.
"We need to be somewhere where this is going to be a wonderful event," Jermaine echoed, adding he was still "very much in love" with the Austrian capital but that he didn't like local speculation about who was coming. He had previously said that Vienna was picked as a venue because his brother "loved castles."
Kindel said tickets to the London concert would go on sale Dec. 1 and begin at 44 pounds ($73).
The city of Vienna, which considered the tribute a potentially huge tourism boost, had pledged up to €600,000 ($870,000) to help underwrite the cost of diverting traffic, providing security and producing a promotional video.
But on Friday, deputy mayor Renate Brauner said the city had withdrawn the offer.
"Not a cent will be given to the promoter," public broadcaster ORF quoted her as saying.


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In its own way, it was sickening. Upon arriving home from Ottawa late last night, the sadness of my wife's face was evident. She told me of how Senator Mike Duffy had blustered his way through a CBC interview, opting to label NDP MP Peter Stoffer a fake and an actor. Subsequently watching the interview on the Internet, I was not only sad but embarrassed. I haven't held out a lot of hope for civility in the House of Commons, but I never expected this.
The issue was concerning an NDP report pointing out that Stephen Harper has appointed more senators in one year than anyone else in Canadian history. It's true; the facts are clear. It refers to the reality that the PM railed against the Senate even upon becoming leader of the nation and then proceeded to reward his cronies – true again. Something like this from the NDP isn't new. The party and its leader have consistently held the view that the Senate is a huge waste of taxpayers' expense and have even called for a public referendum on the matter, as has Conservative senator Hugh Segal. I don't agree, but I acknowledge the NDP position has remained clear and unaltered.
Let me say something about Peter Stoffer. In the annual Maclean's poll on MPs, Stoeffer repeatedly comes out on top as the most collegial of them all. He uses his influence to attempt to get MPs of all stripes to work together for various causes and events. Working in harmony with the Speaker of the House, each year he holds the "All Party Party" – a wildly popular evening in which MPs and their staffs all co-mingle and for a brief time put aside their party ideologies. It's Stoffer that oversees the annual soccer game between MPs and the media. When I asked him to come to my riding in London and hold a rally for the troops, he readily agreed even though he was from another party. That's the kind of MP he is. He's a popular public servant and can often be found in the lobby sitting with members from other parties.
But he's more than symbolic. I was especially irked when Duffy called Stoffer a faker, who pretends to support Canadian troops but votes against funding allocations for them. Let's be clear. Peter Stoffer, as with Peter Mackay, is acknowledged in the House as being fully behind our men and women in uniform. Any MP, including Conservatives ones will tell you that. He was the one who led the charge in Parliament to protect soldiers medals that were otherwise being sold on eBay. The reason why he voted against the Conservative allocations on the military was because they offered embarrassing little support for the soldiers returned from active duty and who are having trouble moving on with their lives.
I'm not trying to be partisan here; I'm trying to be fair. Peter Stoffer gets elected each and every time by wide margins because he delivers for his constituents. Mike Duffy? Well, he spent years as a CTV interviewer often mocking the Senate as a bunch of old men who do little with their time but who cost the taxpayer a bundle. Interestingly, he has now joined their ranks and his presence has destabilized a side of Parliament that has provided some of the most serious and dedicated reports and analysis on everything from the military to foreign aid. I know a number of Conservative senators and even have coffee with them occasionally. The discussions have all been about public policy and the need to get it right. When they heard Mike Duffy was about to join their ranks, they could only shake their heads. Their fears have now been confirmed.
Peter Stoffer said he would run for Parliament and did. He won, as he has done repeatedly. He acted on his convictions. Mike Duffy railed against the Senate as a place of unelected stooges while a media commentator but then took an unelected appointment to the place the moment it was offered. Of the two, I can guarantee you that Peter Stoffer is not a fake.


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Showing 1-24 of 76 items found in Sports & Gaming
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Bowling, cosmic bowling, video arcade, Pizza Hut Express and more.
Hailed by Golf Digest as "The best example of target golf yet built," the Golf Club includes pot bunkers, double greens, fescue-covered mounds and water hazards.
McHenry County Pirates Football
Catch all the summer gridiron action of this minor league football team during Saturday night home games played at Jacobs High School in Algonquin.
Antioch Bowl is back with 28 premier Brunswick Synthetic Prolanes, AMF's Elite scoring system, and good folk in great leagues. Birthday parties, arcade games, cosmic bowling and Quick Strike snack shop.
This slot car racing establishment has three fast tracks and a drag strip.
CITY:Arlington Heights
The challenging 18-hole layout spans 90 acres of superbly manicured fairways and greens with 14 beautiful lakes to negotiate during a round. Features clubhouse, snack bar area, pro shop, and patio area.
CITY:Arlington Heights
Large bentgrass tees and greens give this fun layout a big course feel. Several shots from elevated tees provide a beautiful view of the area. Features pro-shop, snack bar and club house.
CITY:Arlington Heights
Arlington International Racecourse
At Arlington International, we aim to make every day of the season special by combining the excitement of thoroughbred racing, gorgeous grounds and fantastic food to create a winning track experience for our guests! Whether you're looking for a fun and exciting day out with friends and family, a casual and charming afternoon at the races, or a sophisticated and stylish get-together, Arlington International offers an extraordinary experience for everyone! Live racing and entertainment from May through September or find a full calendar of race dates and events at arlingtonpark.com.
CITY:Arlington Heights
Laser Quest - Arlington Heights
Laser Quest is a family entertainment venue combining the classic games of hide-and-seek and tag with a high tech twist. Our multi-level arenas have specialty lighting, swirling fog and energetic music to add to the excitement for up to 30 or more players in each game.
CITY:Arlington Heights
This 18-hole course features a practice range, pro shop, snack shop and banquet facilities. Bartlett Hills Golf Club & Banquets is also an award-winning wedding venue that can accommodate up to 230 of your friends and family.
Apple Orchard Golf Course is a nine hole, par three, public course located at 692 W. Stearns Rd. about 3/4 mile east of Route 59 on Stearns Road. Other features include a clubhouse equipped with snacks, beverages, beer, restrooms, golf accessories and indoor/outdoor sitting areas. Rental golf clubs and pull carts are available for a slight fee.
This Killian/Nugent-designed course features five water holes. An Olympic-size pool is available for free to golfers, along with sand volleyball, tennis, a softball area and more.
This beautiful 18-hole golf course is enjoyable for all levels of golfers, located just minutes from Rockford in Belvidere. Opening for its first golfers in the Spring of 1995 and offering one of the Midwest's most desirable courses to play, with 168 acres of meticulously maintained fairways and greens and a completely tree lined property. A creek runs through Swanhills and comes into play on several holes along with 3 ponds that will challenge the accuracy of the golfer.
This beautiful 30,000-square-foot clubhouse features an upscale restaurant with patio seating and 18 holes of championship golf. Our scenic 18 hole Dick Nugent designed golf course, state of the art electric carts, beautiful clubhouse, outstanding food and exceptional service are sure to make your outing a success.
CITY:Buffalo Grove
This entertainment and meeting facility features two indoor European karting tracks, a restaurant and a multitude of alternative entertainment options, including billiards and video games.
CITY:Buffalo Grove
Brunswick's Buffalo Grove and Tavern '45
This 56,000-square-foot upscale bowling and entertainment center, offers a comfortable and lively atmosphere to enjoy the company of good friends. 32 lanes feature upgraded bowling equipment and plush sofa seating that encourages socialization and connection. A laser tag arena and arcade with multi-player games that are good for the competitive spirit. Food & beverage service is available laneside or in the in-house restaurant, Tavern '45, featuring distinctive American pub fare, local craft beer and an outdoor patio.
CITY:Buffalo Grove
Trampolines on steriods!! This giant warehouse is filled with commercial grade trampolines that are connected together. Play trampoline basketball, trampoline dodgeball and land in a huge foam pit. Kids of all ages love the fun and completely forget that they are getting exercise. Check out this exciting concept online for more pictures and videos.
CITY:Buffalo Grove
Offering good par fours with difficult par threes, this course is architecturally classic and slightly rolling, with medium-size greens.
This championship 18-hole golf course with 6,950 yards offers bent grass fairways, and beautiful rolling hills and vistas. Power carts are required Friday through Sunday and holidays.
This 18-hole championship golf course has been rated 4 stars by Golf Digest, 4-1/2 stars by Chicagoland Golf, and has been voted one of the best values in all of Illinois.
CITY:Crystal Lake
The Quarry Cable Park and Grille
The Quarry Cable Park & Grille is located on the 32-acre North Lake of Three Oaks Recreation Area in Crystal Lake. Enjoy wakeboarding at this next-generation cable wake park complete with a Full-Size Six-Tower cable system with jumps and features for experienced riders and two System 2.0 Two-Tower cable systems for beginners. Stay a little longer and enjoy the lakefront tap & grille, fire pits, live entertainment, sand volleyball, baggo, and open-air yoga. While promoting recreation and relaxation, The Quarry aims to provide a new approach to staying active for visitors near and far and invites everyone to unearth their potential.
CITY:Crystal Lake
The biggest, the grandest, the most stylish and the most comfortable casino in all of Illinois. Over 80,000 square feet and two decks of fun and excitement.


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Facebook "parent-to-be" option
SAHM to
DD Harper Mae 10/11/2007 &
my rainbow DS Gus David 02/08/2012
Comments (10)
I won't be changing my status to that. I saw a friend changed hers to "in a domestic partnership" WTH, I think that's the same as being in a relationship, but whatever.
I honestly dont' know if I'll be officially posting anything on FB about the baby. I may post the 20 week US, but no sure. Our family and close friends will know about it, so that's all that really matters to me.
Devyn Elizabeth 2.21.12
Ethan Daniel 3.23.14
i just checked it and didn't see anything. there is an option though under "family" to add an "expected: child"
They have it if you add a family member you can pick expecting child. I didnt change mine only because I have a few friends who recently had a miscarriage and although I am excited about my pregnancy, I dont them to have to see a constant reminder right now that a friend of theirs is still expecting.
Mommy to 3 October boys (05, 07, 09), a Feb '12 boy, a Dec '13 boy, and will be having another addition in August '15!
Yay! Its there! If you go in the same section as where to change ur relationship statues, below that it will say" add a family member". Expecting: Child, is an option:)
I just did it!!! Thanks!
L+O= ^A^ ^H^ and our precious baby boy Elijah c-section baby due to footling breech. So thankful for him! <3
oOo! I've been waiting for an option like this! Thanks!
ANG-Farm Wife 7/1/06, ECS - DS 9/3/07, Short Visitor 10/24/08, VBAC Baby - DS 10/3/09, 2VBAC - DD 2/4/12
Thanks, I just changed mine, but hid it until I can find the right profile pic to go along with the change.
We're not posting until after 1st trimester, cause I 1st pregnancy was a m/c and we had ppl asking a yr later how the baby was doing. :-/
Married to DH 5-14-05
SAHM to DD born 2-4-10, DS born 2-14-12 and #3 EDD 7-13-14
My blog: http://anordinaryhousewife.com/
Ah, I don't think you can add a picture to the expected child, at least I can't figure out how. I'm trying to use the 13w3d u/s I got today...
My angels EM-2/3/12, ^Baby #2^- 5/3/13, happy birthday AM! 8/6/15
R+S married since Oct. 2006
Austin 9, Devin 4, Adela edd Feb.1 2012
Learn more
Look how far your child has come.
Review your child's growth milestones.
Read about 4 years 5 months : Week 2.
Your growing child
Your 4 1/4-year-old: Swim lessons
Your 4 1/2-year-old: Language skills
Your 4 1/2-year-old: A growing attention span
Your 4 1/2-year-old: Artist at work
Your 4 1/2-year-old: Dealing with a lisp
Learn more
What's next for your growing child?
Get a glimpse of what's to come.
Read about 4 years 7 months.


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DeSoto Gallery
DeSoto HS
Photo: Erich Schlegel/Special Contributor
Tia Gamble of DeSoto runs in the High School Girls' Sprint Medley Relay at the 85th Clyde Littlefield Texas Relays at Mike A. Myers Stadium in Austin, Texas March 30, 2012.
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Maps Home Equity
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Express yourself — while stylishly toting your essentials — with Kooba's celeb-beloved handbags. Known for their signature shapes, antique-style hardware, vast color palette, and textured leather, Kooba bags have been a favorite among fashionable women since Abbe Held launched her label in 1998. When it comes to quality, Kooba's sophisticated detailing makes its bags comparable to the world's most exclusive designer goods — yet the company's understated aesthetic ensures that its buttery soft leather and suede hobos, satchels, clutch purses, totes, and other styles remain appropriate for everyday wear. Often featured in Lucky, Elle, Cosmopolitan, and other fashion mags, Kooba counts trendsetting starlets such as Mischa Barton and Lindsay Lohan as fans.
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Is that a Fairy or a Snitch? Who's right?
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The first frames of this new documentary pull no punches over its content. Israel's "Mr Television", Haim Yavin, is a household name, a veteran newsreader and the director of a controversial film that argued for a settler evacuation from Gaza before it took place. Now he's filmed a new series, "Blue ID Cards", for Israeli Channel Two and on the subject of the 20% Arab population of the Jewish state. This sector comprises Palestinians who stayed in Israel after the 1948 war and who often, therefore, prefer the label "48 Palestinians" or "Arab-Palestinian" to the airbrushed standard appellation: "Arab-Israelis".
Anyway, first episode, first frame: a Palestinian family in northern Israel have just lost their son because of a Hizbullah rocket attack during the 2006 war. "Why should I not think of him as a martyr?" ask the grieving father. "He died for Israel, it's our country too. Isn't it?"
Second episode, first frame: we're in an unrecognised Bedouin village in the southern Negev desert where a Bedouin family's tent-home has just been demolished by Israeli forces. "How can you do this to your citizens?" a woman screams after the police. "Get away from here! To hell with the state of Israel!"
These two frames serve both as taster and overview of the content of Yavin's series, focused on a population that is constantly neglected, suspected and marginalised and constantly struggles to attain equal status. It's no use pointing out all the democratic rights that Arab-Israelis enjoy in the Jewish state and it's no use saying that they are far better off in Israel than they would be in any neighbouring Arab state. Palestinians living in Israel might feel solidarity with and a connection to the Arab world, but they don't compare their own status with residents of Arab countries; why should they? Their reference point is their Jewish co-nationalists, constantly shown to be favoured by a state that denigrates and discriminates against Arab skin.
The complexities of this experience are given a refreshingly candid airing in this TV documentary, say Israeli media commentators (both Arab and Jewish). We see professionals who lament that they did as they were told – "learn Hebrew, get educated, achieve" – only to discover the pokily low level of the glass ceiling for Arab-Israelis.
We see the exasperation of an Arab-Israeli routinely invited to high-brow academic lectures overseas and routinely harangued by Israeli airport officials. We see a young shop worker explain he has a string of degrees that don't even generate job interviews because of an Arab surname. We see Arab houses being demolished while building permits are refused. And over and over again, we see frustration as Arab-Israelis talk of wanting to be a part of a nation that tells them, in the words of one interviewee: "I am not a human being first. I am an Arab first, and this nation is for Jews."
Throughout Yavin's TV series, in which he travelled all over the Arab sector, from Ramle in the centre to Baka al-Gharbiya on the West Bank border, to Nazareth in the north and Bedouin tent-villages in the south, he interviews using the sort of defensive and fear-fuelled questions that seem standard of the Israeli Jewish psyche. "What are you so angry about?"; "Why are you complaining when you live in a villa?"; "Don't you understand the Israeli concern over security?"; "Hasn't this country been good to you?"; "What do you want, anyway?"
This gives his interviewees the chance to air grievances and concerns. "I'm angry because I'm been promised full rights for 60 years and I still don't have them," says one professor. "They [Jewish Israelis] want me to be 'nice Ahmed', a good Arab, who serves hummus, chips and salad and not an Arab that wants his rights," expands an Arab-Israeli rapper. "How can this happen in a democracy?" asks one bewildered man, who can no longer visit relatives in a neighbouring West Bank village because Israel has put the separation wall between it and him.
One young woman in the southern town of Bersheva really lets Yavin have it when he raises some of the standard clichés. "How am I threatening to you? Get over it! Grow up!" she fires at him in her perfect Hebrew which, she relates in frustration, causes Jewish Israelis to marvel over how "un-Arab" she is. "There are so many great things about you and I want to appreciate you," she tells Yavin to tell Jewish Israelis. "But I want you to appreciate me, too."


text:
- Report: #913589
Report - Rebuttal - Arbitrate
Complaint Review: Allpoetry
AllpoetryInternet United States of America
Allpoetry Kevin Watt (Owner) Unsafe place Internet
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Second, I have been a victim in the pub with what seemed fake accounts hounding me because the site or moderators did not agree with my view points. This has also happened in their chat room. They encourage "allpoetry families" as a contest. It took me a while, but I finally decided to do a contest looking for "family". I did not realize that this is a internet criminal's dream to become close to people.
I ended up becoming close friends with a real pimp who I had to delete facebook, allpoetry and everything to get away from him.
A bad experience. Stay away from allpoetry.com!
This report was posted on Ripoff Report on 07/17/2012 07:57 PM and is a permanent record located here: http://www.ripoffreport.com/r/Allpoetry/internet/Allpoetry-Kevin-Watt-Owner-Unsafe-place-Internet-913589. 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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Definition of annoyance in English:
noun[mass noun]
1The feeling or state of being annoyed; irritation: there was annoyance at government interference he turned his charm on Tara, much to Hegarty's annoyance
More example sentences
- Anger and annoyance at her came to me, as she just stood there, as if she had done nothing.
- He expressed his annoyance at the council having to employ a consultant from Britain to advise them.
- She keeps interrupting to express her annoyance at how unrealistic and ridiculous the rules are.
irritation, exasperation, vexation, indignation, anger, crossness, displeasure, chagrin, pique
informal aggravation
literary ire
1.1 [count noun] A thing that annoys someone; a nuisance: the Council found him an annoyance some people like to irritate us with trivial annoyances
More example sentences
- Despite the many problems and annoyances, there were some bright spots to CMW, and these mostly came in the form of the performers.
- Minor annoyances won't bother you so much because you're focused on the big picture.
- The book contains more than fifty examples of innovative solutions or approaches to problems or annoyances that impact our lives.
nuisance, source of irritation, pest, bother, trial, irritant, inconvenience, menace, thorn in one's flesh
informal pain, pain in the neck, bind, bore, headache, hassle
Scottish informal nyaff, skelf
North American informal pain in the butt, nudnik, burr in/under someone's saddle
Australian informal fair cow
Australian/New Zealand informal nark
British vulgar slang pain in the arse
Late Middle English: from Old French anoiance, from anoier (see annoy).
Words that rhyme with annoyanceclairvoyance, flamboyance
For editors and proofreaders
Line breaks: an¦noy|ance
Definition of annoyance in:
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= trending


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Ten Things to Do on the Han River
The Han River, or Hangang (한강), is a fixture of life in Seoul for Koreans and expats alike. Once marking the southern limits of the city,...Read More
Food with Friends
If I could only have one memory from Korea – and of course, I have many, many fabulous memories from my time there – it would be eating...Read More
KTO Hallyu Tour – Day Two
By the second day we were well on the way to forming lasting friendships and of course, having a lot of fun. I will always be extremely...Read More
KTO Hallyu Tour – Day One
The excitement begins… If Sunday was our warm-up, "get to know each other" day, Monday was the day the fun truly...Read More
KTO Hallyu Tour – The Start
30 people from 21 countries… brought together by a shared love of Korea and Hallyu. What could be more fun than that? The Korean Tourism...Read More
KTO Hallyu Tour – Before the tour
First of all, I want to say a huge THANKS!!! to the Korean Tourism Organization (KTO) – both my local Toronto office for...Read More


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Cleared up my 19 year old kitty's eye infection but it took 3+ weeks. Chest was still congested so I switched to different product: Seven Forests, a pill-- Healthy in 10 days.
This product is a miracle. Well worth the price and a must have for your pet's medicine kit!
I love this its awesome for eye watering or ringworm close to eyes or their nose. its soothing to the animal and refresheses their eyes
After months of antibiotics, nothing was helping eye infection, this was a last resort, and now will be what I always choose first. Took about 2 weeks and his eye is back to normal.
It worked to kill infections in cats eyes that caused them to swell shut. It took about three applicatons. First clean their eyes with warm water and put wet tea bags on them to reduce the swelling and get them open, then rub this in and around the eye. I would recommend this product. It worked.
Price Each


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On August 2, 2016, U.S. District Judge Edward Chen dismissed a shareholder lawsuit brought against children's educational toymaker LeapFrog Enterprises, Inc. ("LeapFrog") for failure to adequately plead statements were false or misleading, or made with requisite intent. Plaintiffs' suit, which was consolidated in 2015, alleged that LeapFrog and its executives hid demand and inventory problems from investors. The judge disagreed, finding that the investors had been sufficiently warned of problems with LeapFrog's product lines and that the allegedly misleading statements were forward-looking and cautionary, and therefore fell within the PSLRA's safe harbor. Defendants' public statements about many of the allegedly misleading topics helped drive home that Plaintiffs' theory amounted to classic "fraud by hindsight."
Section 10(b)
SEC Chair Warns Silicon Valley That Unicorns Need To Be Watched and Monitored
Speaking last week at the SEC's and Rock Center's Silicon Valley Initiative at Stanford Law School, SEC Chair Mary Jo White cautioned Silicon Valley's start-up companies regarding their potential lack of internal controls. In particular, she warned that unicorns—nonpublic start-up companies valued north of one billion dollars—may warrant special scrutiny into whether their corporate governance and investor disclosures are keeping pace with their growing valuations. Ms. White repeatedly warned that the prestige of obtaining "unicorn" status may drive companies to inflate their valuations.
SEC Announces Settlement with State Street – and a Suit Against a Big Law Partner – for Pay-to-Play Scheme
On January 14, 2016, the SEC entered into two no-admit, no deny settlements regarding an alleged pay-to-play scheme to obtain contracts from the Treasury Office for the State of Ohio. The first was with State Street Bank and Trust Company ("State Street" or "the Bank") – a custodian bank that provides asset servicing to institutional clients, and the second with Vincent DeBaggis, a former State Street executive. On the same day, the SEC filed suit against attorney Robert Crowe for his role in the scheme which allegedly involved causing concealed campaign contributions to be made to the Ohio Treasury Office to influence the awarding of contracts to State Street. Mr. Crowe is a partner at the law firm of Nelson Mullins Riley & Scarborough and a former lobbyist for the Bank.
Defrauded Defendant Defenseless Against Investors: Ninth Circuit Imputes Scienter of Embezzling CEO to Corporation for 10b-5 Claims
Malfeasance by a corporate insider against his company has the potential to leave a gaping wound. Facing a securities lawsuit due to that malfeasance is like salt in that wound. Corporations targeted with such lawsuits have turned to the adverse interest exception to try to protect themselves from further liability stemming from the rogue executive's wrongdoing. But on October 23, the U.S. Court of Appeals for the Ninth Circuit issued a precedent-setting decision rendering that salve unavailable. In In re ChinaCast Education Corp. Securities Litigation, the court held that under the federal securities laws, an executive's scienter is imputed to the corporation where he "acted with apparent authority on behalf of the corporation, which placed him in a position of trust and confidence and controlled the level of oversight of his handling of the business." Slip op. at 4.
Carrying the Halli-burden: District Court Takes Up Price Impact at Class Certification in the Wake of Halliburton v. Erica P. John Fund
In a lengthy ruling containing a detailed analysis of dueling economic expert reports, a federal court in Texas held on July 25, 2015 that defendant Halliburton Company demonstrated a lack of price impact at the class-certification stage on nearly all of the plaintiffs' claims, thus rebutting the presumption of reliance. This action has twice been to the Supreme Court, most recently in Halliburton, Co. v. Erica P. John Fund, Inc., 134 S. Ct. 2398 (2014) ("Halliburton II"), which held that the fraud-on-the-market presumption of reliance may be rebutted by showing a lack of price impact from the alleged misrepresentation. The district court's recent decision is significant because it is one of the first to consider the issue of price impact post-Halliburton II, and because the decision suggests that lower courts may be willing to wade deep into the complications of event studies and economic analysis in order to determine price impact at the class-certification stage.
Reversals of Fortune: Putting the Brakes on Section 10(b) and Section 11 Claims Against Auditors of China-Based Companies
A federal court's recent dismissal of Securities Exchange Act claims against the auditor of a Chinese company prompted us to examine the state of recent U.S. civil securities litigation against accounting firms that audited China-based companies that were listed on US exchanges.
Ninth Circuit Applies Heightened Pleading Standards for Loss Causation
On December 16, 2014, the Ninth Circuit affirmed the U.S. District Court of Arizona's dismissal of a Section 10(b) class action against Apollo Education Group, Inc., a for-profit education company, and several of its officers and directors. In doing so, the Ninth Circuit held that the heightened pleading standard of Federal Rule of Civil Procedure Rule 9(b) applies to all elements of a securities fraud action, including loss causation.
How Far Does Section 10(b) Reach? The Second Circuit Says That A Domestic Transaction Is Necessary, But Not Sufficient, To Invoke U.S. Securities Laws
In a long-awaited opinion issued on August 15 in Parkcentral v. Porsche, the Second Circuit limited the extraterritorial reach of the U.S. securities laws, affirming the dismissal of securities claims brought by parties to swap agreements that were entered into in the United States but were based on the price of foreign securities. Although the Parkcentral opinion offers an important interpretation of the Supreme Court's 2010 opinion in Morrison v. National Australia Bank, the Second Circuit declined to set forth a bright-line rule for determining when a securities fraud claim based on domestic transactions in foreign securities is sufficiently "domestic" to be subject to U.S. securities laws, thereby leaving the door open to future litigants to confront this issue in securities cases involving foreign elements.
In Morrison, the Supreme Court found that Section 10(b) of the Exchange Act does not apply extraterritorially based on a lack of congressional intent to overcome the strong presumption against the extraterritorial application of domestic laws. In so holding, the Court rejected a long line of Second Circuit cases that allowed the application of Section 10(b) to claims involving foreign securities so long as the claims involved either significant conduct in the U.S. or some effect on U.S. markets or investors. The Supreme Court reasoned that the Second Circuit's so-called "conduct test" and "effects test" improperly extended the geographic reach of the U.S. securities laws beyond Congress's intent, and would interfere with foreign countries' own securities regulations. Instead, the Court adopted a new "clear test," holding that Section 10(b) applies only to claims based on: (1) "transactions in securities listed on domestic exchanges" or (2) "domestic transactions in other securities."
No "Loos" Causation From Mere Announcement Of Internal Investigation
Securities fraud actions are often filed on the heels of an announcement of an internal or SEC investigation. A recent Ninth Circuit decision, Loos v. Immersion Corp., may make it easier for company executives to sleep at night following such an announcement. The Ninth Circuit has joined a growing number of circuits holding that the announcement of an internal investigation, standing alone, is insufficient to show loss causation at the pleading stage. READ MORE
SEC Can't Pass On Pot Stock Puffery
Corporations facing federal securities suits can sometimes avoid liability by claiming that their forward-looking statements were so vague or indefinite that they could not have affected the company's stock price and are therefore not material. Such statements are not actionable because courts consider them "puffing," famously described by Judge Learned Hand nearly 100 years ago as "talk which no sensible man takes seriously." Though we cannot know today what Judge Hand would think of the civil complaint recently filed by the SEC against several marijuana-company stock promoters, it's safe to say that this isn't the kind of 'puffing' he had in mind.
The defendants in the SEC civil action are all stock promoters, most of whom operate websites where they promote stocks, including microcap or so-called "penny" stocks. The SEC alleges that the defendants promoted shares in microcap companies related to the marijuana industry. For example, one of the companies, Hemp Inc., claims to be involved with medical marijuana. According to the SEC, three of the defendants bought and sold more than 40 million shares in Hemp Inc. in order to give the appearance that there was an active market in the company's stock. In reality, the transactions allegedly consisted of wash trades and matched orders. A wash trade occurs when a security is traded between accounts, but with no actual change in beneficial ownership, while a matched order entails coordinating buy and sell orders to create the appearance of trading activity. As the defendants were allegedly generating trading activity, they were also allegedly promoting the stock on the Internet, touting "a REAL Possible Gain of OVER 2900%" in Hemp Inc. stock. Wow, that is high.


text:
- Report: #1087408
Report - Rebuttal - Arbitrate
Complaint Review: Citizens Information Associates LLC.
Citizens Information Associates LLC., Select State/Province USA
bustedmugshots.com Star Ventures extortion, photoshop internet
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They have a mugshot of me, but my case was expunged four years ago. And although I sorta recognixe the photo, it is not my hair, my eyebrows are drawn on, they earased my wrinkles, my eyes are not blue, and the orange jail shirt is not that of Hennepin County. They want $178 to remove this photoshopped photo from four years ago. No physical address they have, only a 800# with an angry idiot answering.
This report was posted on Ripoff Report on 09/25/2013 09:59 PM and is a permanent record located here: http://www.ripoffreport.com/r/-Citizens-Information-Associates-LLC/Select-StateProvince/bustedmugshotscom-Star-Ventures-extortion-photoshop-internet-1087408. 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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- Report: #1046459
Report - Rebuttal - Arbitrate
Complaint Review: Dish Netowork
Dish NetoworkInternet United States of America
Dish Netowork DIsh Network Scam, Internet
*UPDATE Employee: Would like to help!
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I was told if I upgraded to an additional receiver they could renew my contact again for two years and give me another one year promotion my bill would go from 65 a month to 55. Said ok and renewed my two year contract. In addition I had to pay someone to come to my house and run wires in the attic. The next month my bill came and it was 98.00.
I called and asked why and they said that my one year had expired . I explained that I was aware and told them I had signed up for another two years and upgraded. They then told me that my contract had been renewed for two years but that there were no promotions with that and my bill was now 98.00 a month. I asked for a manger and spoke with Derrick who was beyond rude and said they don't have that kind of promotion running and the best he could do was offer me 10 a month discount for 6 months or come and take the receivers back.
I explained that I had already paid someone to come to my house and run wiring based off the offer I was originally given and he said that there was nothing else he can do.DO NOT TRUST DISH!!!!
This report was posted on Ripoff Report on 04/26/2013 11:45 AM and is a permanent record located here: http://www.ripoffreport.com/r/Dish-Netowork/internet/Dish-Netowork-DIsh-Network-Scam-Internet-1046459. 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 UPDATE Employee
Would like to help!
AUTHOR: CheriT @ DISH - ()
SUBMITTED: Monday, May 06, 2013POSTED: Monday, May 06, 2013
Hi, my name is Cheri Torres and I work on the Social Media Team at DISH. I can definitely understand your frustration with this and I would like to help in anyway that I can. Can you please send me an email at firstname.lastname@example.com with your account information? I look forward to assisting you.
Cheri Torres
Social Media Representative
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The world's most famous surfer has weighed in on the debate that's had everyone talking.
Ingenious inventions that will make your life so, so much easier
Surfing in a sumo suit? Say goodbye to endless hold downs!
"I'm more interested in something that'll take the head off a honkey at twenty paces"
A beginner's guide to essential surfing accessories
Easy ways to minimise the chances of disfigurement/head trauma/drowning etc.
A beginner's guide to Albion and her wave-steeped shores
How rip currents work, why they're not riptides, and what to do if you get caught in one
The age of the wave pool is upon us!
We talk to experts to see what they make of Surfing and Skateboarding becoming Olympic Sports
Keep your feet, face and family jewels safe with these simple tips for a safer surfboard
How to stay safe when you're out in the surf, and the dangers you should be looking out for
Protect your brain cells from obliteration, your ears from abnormal bone growths, your feet from ravenous live coral
How waves are formed, why they break, and how to read a surf forecast
Looking for the best breaks to go surfing near London?
Here's what can happen when surfing a hydrofoil board goes wrong.
After a car accident, doctors told Barney Miller he'd never surf or walk again. They were wrong...
Surfing, beer and the world's biggest waves? This Autumn you could have all three…
This hydrofoil can keep surfers out in the water for longer
Proper surf etiquette: it's the key to peaceful coexistence in the line-up
Avoid dangerous collisions, stern talking to's, bad vibes, and a fast-track ticket to the fiery pits of hell
Make sure you have the best wetsuit for the water temperature
A beginner surfer's guide to the different types of surfing waves. What's a beach break? What's a point break? Which wave type is best to...
Female surfer Courtney Conlogue photographed naked for 2016 ESPN Body Issue
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White Paper: Proposes extensions to cryptographic hash algorithms that add support for parallel processing of a single message, describes overall design, and presents performance summary. (v.001, July 2012)
Get a quick introduction to all the valuable resources and content available on the Resource & Design Center.
Explore the building blocks for IoT products—from end-to-end solutions, to cloud gateways and virtualized, real-time industrial systems.
Intel sales engineers offer advice and support to maximize your design. Whether you are looking for design advice or help finding the right Intel partner, we can help.
Manage your Intel profile and settings, get account assistance, or apply for access to the Resource & Design Center.


text:
Bank of America Corp. (NYSE:BAC) Not Out Of The Woods On Deal
Diane Alter: About five years after the housing market crumbled, Bank of America Corp. (NYSE:BAC) has taken a major step toward resolving federal allegations it had improperly handled mortgages.
The Charlotte, N.C.-based bank announced today (Monday) it had reached a $10.4 billion settlement with federal mortgage issuer Fannie Mae, resolving all of Bank of America's disputes with Fannie.
BofA, which had been one of 14 banks negotiating with federal prosecutors over foreclosure abuses, settled its battle with housing finance giant Freddie Mac in 2011.
Have you ever wondered how billionaires continue to get RICHER, while the rest of the world is struggling?
"I study billionaires for a living. To be more specific, I study how these investors generate such huge and consistent profits in the stock markets -- year-in and year-out."
CLICK HERE to get your Free E-Book, "The Little Black Book Of Billionaires Secrets"
Under the latest settlement, Bank of America will pay $3.65 billion to settle claims related to the sale and delivery of certain residential mortgage loans. Plus, the bank will repurchase at a discounted price $6.75 billion worth of residential mortgage loans it sold to Fannie Mae.
BofA also said it has agreed to sell the servicing rights on some 2 million expensive residential loans, worth about $306 billion, that are chipping away at the value of the banking giant's stressed portfolio.
In a statement, Bank of America CEO Brian Moynihan said, "Together, these agreements are a significant step in resolving our remaining legacy mortgage issues, further streamlining and simplifying the company and reducing expenses over time."
Bank of America Mortgage Deal
The settled claims stem from loans BofA and the now-defunct Countrywide Financial issued from Jan. 1, 2000, through Dec. 31, 2008.
Bank of America bought ailing Countrywide in January 2008 in an all-stock deal. A couple of months later, news broke that the FBI was investigating Countrywide for possible fraud relating to home loans and mortgages.
The acquisition gave BofA a substantial chunk of the nation's mortgage business plus Countrywide's resources for servicing mortgages.
But the timing couldn't have been worse for Bank of America. The deal closed shortly before the financial meltdown, sparked by the implosion of the residential real estate market.
The settlement lifts a dark cloud that has been hanging over Bank of America.
Shares of BofA staged a remarkable comeback in 2012, when it was one of the best-performing stocks, gaining more than 100%.
Bank of America (NYSE: BAC) Not Out of the Woods
But BofA still needs to pay $8.5 billion to investors, including heavyweights like the Federal Reserve Bank of New York and PIMCO Funds, which sued over losses when the bank bundled troubled mortgages into securities that later went bust.
BofA had agreed to pay the $8.5 billion, but a settlement that was to close last year has been stalled.
The bank also could face a $1 billion settlement stemming from a suit filed by federal prosecutors in October accusing the bank of robo-signing loans, whipping through loans so swiftly that pertinent checks and balances were avoided.
The latest settlement is expected to weigh on earnings in the fourth quarter to the tune of $2.5 billion, the bank says, due to costs related to foreclosure reviews and litigation.
In addition, the bank expects to record a $700 million charge as it adjusts its bond prices in a move called debt-valuation adjustment.
The tax benefits and debt-valuation changes, however, should allow fourth-quarter earnings, set to be released on Jan. 17, to be "modestly positive." The bank is projecting pretax income to come in at $3.5 billion and net income at $2.3 billion.
"We are resolving legacy mortgage issues while balancing the needs of our customers, mortgage investors, our shareholders and communities," Rod Sturzenegger, a BofA legacy asset servicing executive, told FOX Business Network.
The bank is optimistic about its future profitability and so is S&P Capital IQ, which boosted BofA shares to a "Hold" from a "Sell" and raised its price target to $13.
By 2 p.m., shares of Bank of America, which reached a 52-week high of $12.20 early in the trading session, were down just 0.18% to $12.09.
Written By Diane Alter From Money Morning
We're in the midst of the greatest investing boom in almost 60 years. And rest assured – this boom is not about to end anytime soon. You see, the flattening of the world continues to spawn new markets worth trillions of dollars; new customers that measure in the billions; an insatiable global demand for basic resources that's growing exponentially; and a technological revolution even in the most distant markets on the planet.And Money Morning is here to help investors profit handsomely on this seismic shift in theglobal economy. In fact, we believe this is where the only real fortunes will be made in the months and years to come.


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hey guys, i'm new to these boards. glad to meet you all.
i was just wondering how a relationship between a scorpio guy and a taurus girl would work out? she's so sexy and it drives me nuts, but it feels like she's playing with me a little sometimes, aka. power games, and i know that i won't be able to handle that stuff for long before getting crazy. any suggestions?
Scorpio Male/ Taurus Female
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Book your room at Ramada Wakefield
Get an overview of this hotel3-star hotel with restaurant and health club
Collect 200 points
Simply enter your Nectar card number when prompted. Your points will be credited 30 days after you return from your trip.*Offers may apply
Situated in Ossett, this hotel is within 3 mi (5 km) of Wakefield Theatre Royal, Wakefield Museum, and Wakefield Cathedral. Hepworth Wakefield is 2.9 mi (4.7 km) away.
Hotel Features
Along with a restaurant, this smoke-free hotel has a health club and a bar/lounge. Self parking is free. Additionally, WiFi in public areas, a business center, and conference rooms are onsite.
Room Amenities
All 100 rooms offer free WiFi, coffee makers, and flat-screen TVs with satellite channels. Free newspapers, safes, and desks are among the other amenities that guests will find.Would you like to give us feedback? Share it! Opens in a new window
Ramada WakefieldFryers Way Silkwood Park Ossett England WF59TJ
Hotel Amenities
Hotel Amenities
The hotel offers a restaurant. A bar/lounge is on site where guests can unwind with a drink. Business-related amenities at this 3-star property consist of a business center and meeting rooms.
High-speed wireless Internet access is available for a surcharge. This Ossett hotel also offers a health club, multilingual staff, and a garden. Onsite self parking is complimentary.
Ramada Wakefield is a smoke-free property.
- Conference space
- WiFi (surcharge)
- Meeting rooms 2
- 24-hour front desk
- ATM/banking
- Total number of rooms - 100
- Bar/lounge
- Breakfast available (surcharge)
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- Free newspapers in lobby
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- Express check-in
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- Health club
- Luggage storage
- Garden
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- Restaurant
- Safe-deposit box at front desk
- Free self parking
- Smoke-free property
Available in all rooms: Free WiFi
Available in some public areas: WiFi (surcharge)
Free self parking
Room Amenities
- Desk
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- Coffee/tea maker
- Flat-panel TV
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- Private bathroom
- Shower/tub combination
- Iron/ironing board (on request)
Where to Eat
Full breakfasts are available for a surcharge.
Ramada Wakefield has a restaurant on site.
To make requests for specific accessibility needs, complete the "Special or Accessibility Requests" section of "Trip Preferences" when you book your hotel.
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text:
Ketorolac is a hospital-strength nonsteroidal antiinflammatory drug (NSAID) that has been available for over 20 years.1 A nonselective NSAID, ketorolac inhibits prostaglandin production by inhibiting COX-1 and COX-2.2,3 It has potent analgesic activity,4 and has been extensively studied in postoperative patients.5
Ketorolac was the first NSAID approved in the United States for parenteral use as an analgesic.5 Premarketing clinical trials involving more than 5,000 patients demonstrated that ketorolac's analgesic efficacy was similar to that of parenteral opiates in patients undergoing general and oral surgery.5
Ketorolac is widely used intramuscularly and intravenously for moderately severe acute pain: there have been more than 500 million injections in the United States since its introduction, and nearly 40 million injections in 2010 alone.6
Ketorolac has similar efficacy to morphine and meperidine.7 A 30-mg dose of ketorolac IM delivers pain relief equivalent to that of morphine 6 mg to 12 mg.8
In two double-blind studies of postoperative patients with moderate to severe pain, IM ketorolac injection was compared with meperidine or morphine IM, and IV ketorolac was compared with morphine administered intravenously or via patient-controlled analgesia. During the first hour, the onset of analgesic action was similar for ketorolac tromethamine and the opioids, but analgesia lasted longer with ketorolac tromethamine.7
Clinical studies have also demonstrated that combining ketorolac and opioids significantly reduces the need for morphine.9,10
As an NSAID, ketorolac does not bind to opiate receptors.8 A study to evaluate the sedative and addictive potential of ketorolac showed no withdrawal symptoms upon cessation of dosing with ketorolac 30 mg IM four times daily for 5 days.8 Ketorolac IM also has no significant adverse effects on psychomotor measurements, including reaction time, computerized driving skills, ataxia, and sedation.8
SPRIX® (ketorolac tromethamine) Nasal Spray is the first and only intranasal NSAID. It is indicated for the short-term (up to 5 days) management of moderate to moderately severe pain that requires analgesia at the opioid level.


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From Harvard Medical School, Beth Israel Deaconess Medical Center, Charles A. Dana Research Institute, Harvard-Thorndike Laboratory, and Third Sector New England, Boston, Massachusetts; and Cherry Engineering Support Services, Inc., McLean, Virginia.
Acknowledgments: The authors thank the many persons who assisted in recruiting participants, Melissa Wachterman for her meticulous logistical support, and the interviewees for their insights and thoughtful suggestions.
Grant Support: By the Agency for Healthcare Research and Quality grant RO1 HS10223-03.
Potential Financial Conflicts of Interest:Employment: L.I. Iezzoni; Honoraria: H. Harker.
Requests for Single Reprints: Lisa I. Iezzoni, MD, MSc: Division of General Medicine and Primary Care, Department of Medicine, Beth Israel Deaconess Medical Center RO-137, 330 Brookline Avenue, Boston, MA 02215.
Current Author Addresses: Dr. Iezzoni: Division of General Medicine and Primary Care, Department of Medicine, Beth Israel Deaconess Medical Center RO-137, 330 Brookline Avenue, Boston, MA 02215.
Dr. O'Day and Ms. Killeen: CESSI, 6858 Old Dominion Drive, McLean, VA 22101
Ms. Harker: Third Sector New England, 18 Tremont Street, Suite 700, Boston, MA 02108.
This study occurred within a larger project examining health care experiences of adults with disabling conditions, using quantitative (15–16, 24–26) and qualitative research techniques.
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Communication and Perceptions of Health Care: Observations and Suggestions from Persons Who Are Deaf or Hard of Hearing
The summary below is from the full report titled "Communicating about Health Care: Observations from Persons Who Are Deaf or Hard of Hearing." It is in the 2 March 2004 issue of Annals of Internal Medicine (volume 140, pages 356-362). The authors are L.I. Iezzoni, B.L. O'Day, M. Killeen, and H. Harker.
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text: Brand: Freya Style: AA1461 Sizes: 32 - 36 D, DD, E, F, FF, G, GG Fabric Content: 81% Polyester 16% Nylon 3% Elastane Freya Deco Shape Underwire Molded Strapless Slip Style AA1461. The Deco Shape collection find time for romance. It is pretty and functional. What a great combination. The bra is scattered with gorgeous pastel florals. But that still will not take their eyes off of you and what a great shape you have.


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'Once Upon A Mattress'
"Once Upon A Mattress," presented by Gothenburg High School's vocal music department April 29 and May 2-3, was based on the famous fairy tale "The Princess and the Pea."
However the musical involves a queen who takes control of the kingdom after the king loses his speech because of a curse.
Queen Aggravain decrees that only the princess who can pass her test can marry her son which provides a rollicking spin on royal courtship.
Directors of the musical were Ernie Blecha, Trudy Else, Erin Feather and Lori Long.
Students Susan Dudley and Rhett Lindholm did lights and sound. The stage crew was made up by Jennifer Norseen, Tyson Miller and Roy Slack.
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Hindi Movie Himmatwala 2013 Official Posters,Star cast and Release Date
To get a desktop background (wallpaper) right-click the image, and then click Set as background
Bollywood Movie Himmatwala in 1983 and now Sajid Khan will Remake this movie and in this movie he selected Ajay Devgn and Tamannah for leading roles.Sajid Khan also told that this movie will be fantastic and also break the recordsof many movies.This movie will be going to release in 2013.In this Movie Sonakshi Sinha has a Item number that is much awaited.29th march 2013 is Date for movie to release.Official Posters of movie Himmatwala has been released which is below.
Official Movie Posters of Himmatwala :
|Ajay devgan and tamannah poster-himmatwala
|Official poster of ajay devgn for movie himmatwala
Himmatwala movie 2013 – Star Cast,Release Date :
Movie – Himmatwala
Star Cast – Ajay Devgan,Tamannah,Sonakshi Sinha(item song) and more.
Director – Sajid Khan
Producer – Sidharath Roy Kapur and vashu bhagnani
Music – Sajid,wajid
Singer – Sunidhi Chauhan
Label – UTV motion picture
genre – Action
Language – Hindi
Release Date – 29 march 2013
How to Download : Download Hindi Movie Himmatwala 2013 Official Posters,Star cast and Release Date HD Widescreen Wallpaper from the above resolutions. If you don't find the exact resolution you are looking for, then go for Original or higher resolution which may fits perfect to your desktop.
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The University of Alabama held its annual pro day Wednesday with 13 draft-eligible Crimson Tide players participating and all 32 NFL teams in attendance.
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Alabama Holds Annual Pro Day for NFL Personnel
Started by Tider27, Mar 12 2014 03:07 PM
Posted 12 March 2014 - 03:07 PM
Posted 12 March 2014 - 06:40 PM
Not many schools can get all 32 teams to their Pro Day... Heard a great stat today, since Saban came to Alabama, every 5 star recruit he brought in has been a 1st round draft pick.
Posted 13 March 2014 - 12:27 PM
Hail2TheTide, on 12 March 2014 - 06:40 PM, said:
Not many schools can get all 32 teams to their Pro Day... Heard a great stat today, since Saban came to Alabama, every 5 star recruit he brought in has been a 1st round draft pick.
I'm not totally positive and as much as I like the stat wasn't Calloway a 5*?
"I didn't come to Alabama to win 10 games a year and be a contender. I came here to win championships, Conference Championships, and National Championships. I love it here because that's not just what I want, but what this fan base expects." -Alabama Head Football Coach Nick Saban
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It's not just adios, but probably goodbye. Last weekend, St. Louis was the host city for FinCon, the Financial Blogger's Conference. So far, it's been in Chicago, Denver, and now St. Louis.
This is The Gateway Arch which Wikipedia tells us is a 630-foot monument in St. Louis, Missouri. Clad in stainless steel and built in the form of a flattened catenary arch, it is the tallest man-made monument in the United States. I hadn't given it much thought in my life until the SyFy TV show Defiance was released, and the arch is a prominent feature in the show.
FinCon was the brainchild of Phil Taylor, the blogger better known at PT Money, and this year, the number of attendees hit the 500 mark. The people that came are nothing short of amazing. When you combine the love of a topic, the desire to write about it, and the urge to connect, there's a magic that happens.
This year, author and financial editor of the Today Show, Jean Chatzky gave a keynote address. She really knew how to relate to the audience. Jean shared her story of how she got started in the business, and after being told she'd never make it to TV, didn't just get on television, but did it in NYC, the last place one expects to get a break. Her next project is the expansion and promotion of her Money School, an online seminar series to help you improve your finances. My fellow bloggers and I are likely to come back with more on Jean's Money School. From the bit I saw of it, she's going to help a lot of people.
There were so many bloggers who gave a talk that I really run the risk of leaving off someone who deserves a mention, but here are the ones that stand out in my mind –
Rob Bennett – I've met Rob at prior FinCons and he strikes me as one of the most passionate people out there. Rob gave a talk at Ignite, an evening function in which each speaker has 5 minutes to share an idea via a set of 20 slides timed to change at 15 second intervals. Rob has a message to share, but somehow his message isn't welcome in many financial forums. What's Rob's message? It seems to be twofold, first, stocks actually do get overpriced. Any of my readers old enough to remember the crash of '87? No? No problem, we had another crash from 2000 through Mid-02. I know, that was still over a decade ago. The latest crash occurred from Mid-07 till Jan '09. It would seem that Rob's observation is correct. Another Rob, Schiller to be specific, had a similar idea. He doesn't get kicked out of finance forums, that I know, instead he gets a Nobel prize. Which is pretty cool. The second part of Rob Bennett's message is that by using data that we know, the PE10, which happens to be popularized by Robert Schiller, we have a tool to judge market valuation. If there's a problem with the process Rob discusses, it's that it takes time and patience. Check his site out, and see what you think.
Barbara Friedberg blogs at her site about saving, investing, and building wealth. She gave a regular length talk containing a mix of writing and investing advice that were right in line with my own opinion. Patience, asset allocation, and she even offered a quote that I loved – "Investing should be like watching grass grow or paint dry. If you want excitement, take $1,000 and go to Las Vegas." (Paul Samuelson) Barb prefers indexing, as do I, and even suggested that if one wanted to buy individual stocks, they should limit that portion of their assets to 10%. On a side note, a newer blogger and I were talking over lunch, and she was determined to go all in, choosing stocks from the very beginning of her investing life. It's tough to explain to a new investor why they are not going to be the chosen one who beats the market year in and year out.
Eric Rosenberg – Eric is a big deal (ask him, he'll tell you), he offers great financial writing at his blog, DJs on weekends, and just announced to his readers that he's engaged. I may be twice his age, but I'm the first to admit there's far more to be learned than I'll ever know, and I'm always happy to learn from Eric.
Romeo Jeremiah didn't offer a talk, but we did spend some quality time together at the hotel bar. He writes about finance, relationships, and life, and whether one agrees with him or not, he offers his views respectfully and with great insight. He was away from the US with his son last year and missed FinCon. Great to see him this year and catch up.
As I started to say, a great group, and with 500 attendees, it was impossible to chat with each and every one. If you were there and I didn't meet you, I'm sorry, I look forward to next year. If we met, it was great. There's no one I spoke to that wasn't interesting, a rare time to be with a group that has no one you wanted to walk away from. If you missed FinCon this year, you can buy a virtual pass and see what the fuss was all about.
This Sunday may feature a roundup of FinCon posts. A lot to read and learn.


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Friday, Jan. 31, 2014
RICHMOND COUNTY (WRDW)- The ATM stolen from Manna Mart was found behind Tobacco Road Elementary School this morning.
Early Thursday morning, a truck backed knocked the front door off of the Manna Mart on Rosier Road.
The sheriff's office says that video from inside the store showed a white truck backing into the door three times before the video cut out. The report states that an ATM inside the store was stolen.
No word on if they were able to get inside of it. The investigation is ongoing.