text:
Wild scores on fumble return in Winnipeg loss
Former Mercyhurst University linebacker Ian Wild returned a fumble 55 yards for a touchdown, but Winnipeg lost for the fifth straight time, falling 37-18 to the Hamilton Tiger-Cats Friday in Winnipeg.
Wild's fumble return came with 2 minutes, 39 seconds remaining in the game and Hamilton leading 34-11. He finished with four tackles.
Hamilton quarterback Henry Burris threw for 333 yards and a touchdown, as the Tiger-Cats improved to 3-4.
Erie native Jovon Johnson had two tackles and forced a fumble for the Blue Bombers (1-6).


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New federal regulations bring better job protection for over-55 workers
Jun 29, 2012, 8:32 a.m.
Are you holding off from seeking post-retirement work because you're worried about the lack of job protection for older workers? You're not alone. Thankfully, the EEOC (Equal Employment Opportunity Commission) is doing something about it, which could result in lowered job risks for people over 55.
Formed in 1965, the EEOC is a federal law enforcement agency that investigates and prosecutes cases of discrimination involving a worker's race, color, nationality, religion, sex, disability, and age. The EEOC also helps to empower employees to report discrimination without fear of retribution. As a result of regulations recently put in place, there are expected to be a dramatically decreased number of older Americans losing their jobs because of their age.
It accomplishes this by directly addressing unintentional discrimination that can pop as a result of certain company hiring policies. For example, there are lots of companies out there who, as a rule, don't hire people who have been unemployed for longer than a year. Their reason for doing so is to weed out individuals that might be seen as unmotivated to perform and given to quitting after the company's invested time and money into training them. The trouble is, this practice could automatically exclude many older workers who have decided to return to the workforce after a few years of retirement.
The new federal regulations put into place by the EEOC are also serving to put companies on notice that if they're going to deny older workers jobs, their decision making has to show some evidence of other "reasonable" contributing factors -- like a lack of experience needed to perform the job. The regulation also clearly defines what is "reasonable" and what is not.
Working to eliminate job risks for people over 55, the regulation doesn't just cover the hiring decisions of employers but also their firing and layoff decisions. Under the new rules, companies that are forced to make difficult decisions about who to lay off and who to keep on board will be compelled to show that an individual's age had nothing to do with the decision. If age is found to have been the primary contributing factor, they put themselves in jeopardy of fines and lawsuits.
With this encouraging news, older workers can now feel confident that if they do return to the workforce, their age won't be held against them.
Content Provided by Spot55.com
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Who does what? Group cooking on vacation
FORT COLLINS, Colo. -- Are you whiling away winter's chill by dreaming of your summer getaway? Planning on going in with a group?
It can be a recipe for disaster: renting a vacation house with friends without talking about meal planning.
There are obvious topics, like allergies, budgeting, finicky kids and the division of labor.
And then there are those unappetizing issues, like what to do if one participant is a reluctant -- or rotten -- cook.
"I don't do anything domestically ever," said David Lando, a financial adviser in Washington, D.C.
So when his large family gathers for their annual vacation at a house in upstate New York, everyone picks a night to cook -- except Lando.
When it's his turn, he gets takeout.
"The last couple of years the grocery store near our place has run a special on (prepared) lobster," he said. "It works out so well that it's hard to argue about it."
Not every group trip goes so smoothly, however.
Alyson Stoakley, of suburban Richmond, Va., used to be an event planner, so when she and her husband went to Wintergreen Resort with four other couples, she took charge of divvying up the cooking and cleaning for the weekend.
She asked for volunteers for appetizers, dinners and breakfasts. (Lunches were eaten out.) The problems began immediately.
There were too many volunteers for the dinners, and two of them were complete opposites: One was known for quick and easy comfort food, the other for making fabulous health-conscious meals from scratch.
Stoakley made the assignments in the order people responded, and so ended up dining on Stouffer's lasagna, Texas toast and romaine lettuce from a bag.
And the gourmet cook? She made Saturday's breakfast, cooking two egg casseroles, one with sausage and one with vegetables.
As it turned out, that plentiful meal not only gave people a choice, but the leftovers saved them on Sunday when that meal's chef realized she had only bagels, having forgotten the eggs and left the bacon unrefrigerated in her shopping bag all weekend.
Despite the gastronomic goofs, by taking it all in stride, "We really had a good weekend," Stoakley said. "It didn't ruin the friendships, and we all made it through.
"You have to be laid back and go with the flow," Stoakley said. "It's just for a short period of time. It's not forever."
Then again, if coordinating cooking seems daunting, a private chef might be the answer. That's what Maureen Bee, of Fort Collins, Colo., enjoyed when she and her family vacationed in Acapulco, Mexico, with five other families.
"They cooked all of our meals, did all of our grocery shopping, got all of our booze. Everything," she said.
There were snacks during the day, bartenders at night, a team of cooks in the kitchen and even servers.
"It was like having a restaurant in our villa," she said.


text:
Interest Level
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Lexile® Measure: AD490L
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- Animal Stories
- Rabbits
About This BookEvery child knows the fear of coming up empty on show-and-tell day. Young Clyde is no exception. He finally decides on a soft fuzzy mystery ball he finds in the basement. The ball turns out to be an egg sack, and to everyone's delight 244 spiders hatch and float out the classroom window. Elementary school children can relate.-Horn Book
Items Added to Cart:
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text: The Rough Guide to Budapest GBP EUR USD EBOOK $13.99 EPUB , MOBI and PDF Buy Ebook This item is already in your basket About ebook formats PAPERBACK CHOOSE A RETAILER BELOW AMAZON US The Rough Guide to Budapest is the ultimate travel guide to one of Europe's most fascinating and dynamic cities. In full colour throughout, with dozens of colour photos to illustrate the finest of Budapest's great buildings, landmarks and distinctive neighbourhoods, this guide will show you the best the city has to offer. Whether you want high culture or a thriving underground club scene – including the city's unique "ruin pubs" – haute cuisine or pampering in spas, Budapest is the place to come. Easy-to-use maps for each neighbourhood make getting around easy. With detailed chapters featuring all the best hotels, restaurants and cafés, pubs and bars, live music and clubs, shops, theatre, kids' activities and more, you'll be sure to make the most of your time in the city with The Rough Guide to Budapest. Authors Charles Hebbert, Norm Longley Format Ebook (Watermarked) More info Published January 2015 Series Main Series More Products Europe | Hungary


text:
GRAND RAPIDS – After touring Congress Elementary today, U.S. Sen. Carl Levin said he has even more ammunition to debate the need to pass President Barack Obama's $447 billion jobs bill.
The plan, in part, would put aside $25 billion for emergency repairs and renovation projects at elementary and secondary schools. He said Michigan would get more than $900 million for school construction and see nearly 12,000 jobs created.
"This is an important visit for me to see the old boiler, area for asbestos removal and hear about the leaky roof and pipes," said Levin about school built in 1920, located at 940 Baldwin St. SE. "This will help me when I return to Washington."
Ken Klomparens, executive director of facilities for Grand Rapids schools, said it would cost a projected $12 million to replace the school and $500,000 in immediate repairs.
Following the tour, Levin sat down and talked with the principal, a parent, community member, teachers and four of the nine school board members about the jobs bill. Besides school construction, the bill would help avoid teacher layoffs.
"A cross-section of economists are saying (the jobs bill) can avoid a second recession," Levin said. "That's fairly powerful stuff. We are still trying to scramble out of the first recession, we can't afford a second recession."
Levin said he is "somewhat optimistic" about the bill even though there is partisan opposition to anything the president proposes. He encouraged parents to lobby their representatives.
"We need school buildings to be safe and we need to be able to use them," Donna Shirey, director of Trinity United Methodist Church' community ministry program, told Levin. The church has been a district partner for more than 15 years.
Bridget Cheney, principal of Congress, which has 225 students, said the last federal stimulus enabled the school to shrink class sizes.
"If nothing else speaks to you, whether Democrat or Republican, wherever you're at on that continuum, our kids should because they deserve it (better learning environments)," Cheney said.
Byron Walker, a parent of a first- and a fourth-grader, asked where the money was coming from to fund the bill.
Levin told him it would come from a variety of sources, including limiting tax deductions and exclusions for those making more than $250,000 a year and closing loopholes.
Senita Lenear, school board president and board members Jane Gietzen, Tony Baker and Wendy Falb attended the discussion.
E-mail Monica Scott: email@example.com


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Hi! My name is Marte
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My favorite tricks and treats are: I can suddenly dissapear, just like magic *puff* and Anything with a label that says "treat"
Where I hang out: The sofa
My favorite grubs: Right now they have me on a diet and I am forced to eat Science Diet.
My pet peeves: When another cat is near my food!!
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My little sister found him with his brother Jupiter under a parked car. They were so thin you could see their ribs, but were full of parasites so they had an awful belly. We tried as hard as possible to keep them both alive but Jupiter died that same night when we were driving to the vet. However, Marte survived but he was kept hospitalized for five days. I took care of the kitten and fell in love with him. Since then I have been his.
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There are plenty of reasons for there to be a rivalry between Tiffin University and Findlay's football programs.
And there's one reason - one big reason - why there isn't.
TU and the Oilers each play in the Great Lakes Intercollegiate Athletic Conference. The campuses are separated by about a half hour drive. The two schools have had competitive series in other sports.
But here's why there's no rivalry right now between the Oilers and Dragons in football.
That's the Oilers' record against TU all-time, dating back to the program's first meeting in 1986.
Tiffin coach Gary Goff has only been around for two of those meetings, but he's aware of the history, and what must be done to add spice to the yearly game between the northwest Ohio foes.
"We're still approaching this game like any other," Goff said Thursday. "It means a lot to us, obviously, because they're right in our backyard. We recruit against them, we see them every time we're out. But we've got to prepare for this game just like all the rest. We're more concerned about Tiffin University right now and how we're gonna handle the game and how we're gonna execute what we're doing more than our opponent."
Goff said the players are aware today's game is big, however.
"They know the importance of this," he said. "We've talked about it, that it's not much of a rivalry. Our University is 1-20 against them, and I think the only win (for the Dragons) was in 1993 - 20 years ago. In a lot of aspects, we've got to make it a rivalry. And the only way to do that is to start winning some games against them."
Goff hopes that starts today, but he knows it won't be easy. The Oilers come in 3-2, 1-2 in league games, but they have a high-powered offense paced by one of the most dynamic quarterbacks in all of Division II - Verlon Reed.
The transfer from Ohio State can do it all. He's already passed for more than 1,400 yards and thrown seven touchdowns. He's also run for 288 yards and been sacked only four times in five games.
"Verlon Reed, they might have wanted to get rid of him at Ohio State because he might push Braxton Miller for his job," Goff said. "The young man's very talented. He's a dual-threat athlete right there."
And as good as Reed is, he's not a one-man show.
DaiQuone Ford is second in the GLIAC in rushing, and Lloyd Henry is third in receiving.
But as dynamic as the Oilers are on offense, they can be scored upon: Opponents are averaging a little less than 30 points a game.
The Dragons will try to keep the momentum of last week's 34-point output going, and it starts with the freshman QB making his third start - Antonio Pipkin.
"Pipkin is getting better with every rep, every game situation," Goff said. "Really, the last three games, going back to that second half against Grand Valley, offensively we've been able to sustain some really long drives the last three weeks. Last week we did a good job in the red zone, and finishing drives. Hopefully that carries on to this week."
Kickoff is at 1:30 at Frost-Kalnow Stadium.


text:
HUBBARD - Evelyn Louise Hollis, 85, died Tuesday, March 12, 2013, at St. Elizabeth Health Center.
She was born Nov. 13, 1927, in Opelika, Ala., the daughter of Jesse and Sallie F. Strozier Lenton.
Evelyn was a homemaker and enjoyed the Lord and her children.
Article Photos
She is survived by her son, Prince Hollis of Hubbard; three daughters, Bertha "Bonnie" Hollis and Arlene Hollis, both of Hubbard, and Evelyn Hollis of El Paso, Texas; a grandson, Christopher Hollis; a granddaughter, Courtney Hollis Wright; and a brother, Eddie Lenton of Cleveland.
Mrs. Hollis was preceded in death by her parents; her husband, Isaac Hollis; a daughter, Sally Hollis; a son, Ronald Hollis; a brother, Jesse; and two sisters, Lilly and Janie.
Per her request, there will be no public services or calling hours.
The family requests that material contributions be made to the family in her memory.
Arrangements have been entrusted to the Carl W. Hall Funeral Home.
(special notice)


text:
This is a guest post from a reader who broke into Sales & Trading (S&T) coming from a non-target school. In Part 5 of this series, you'll learn all about sales & trading interviews and how to answer the technical and markets-based questions, pitch stocks and investment ideas, and yes, even calculate the square root of 58 in your head.
"The markets are tanking!"
"I just got whacked on RIMM…"
"Europe is going down…"
"Greece is being auctioned off in pieces."
"China is about to have hard landing…"
"The US unemployment rate is stuck at 8.3%!"
Ah, yes, the fun part of a sales & trading interview.
You better walk in with your best investment ideas, coherent thoughts on current events, and an impressive ability to do square roots in your head.
Or you'll walk out without an offer.
The good news is that just like with the "fit" side, it's possible to prepare for the markets, math, and brainteaser questions you'll get.
The bad news is that it can be more time-consuming, and there's no way to predict every single question in advance.
Here's how you can get started preparing for markets, math, and brainteaser questions:
The Distribution
As I mentioned in the last article, first round interviews in S&T tend to be mostly fit-based.
Past that, it rapidly shifts to market-based questions – maybe around 60 to 80 percent of questions in later rounds will be related to the markets, with the rest divided between additional "fit" questions and math / brainteaser questions.
So you need to spend the bulk of your time preparing for all these market-related questions.
Market Mayhem: What to Expect and How to Prepare
There are 5 big categories of questions here:
- Tell me about a recent article (or recent trend) you read in the Wall Street Journal.
- Pitch me a stock (or other trading idea).
- If you had $10 million (or other large number), how would you invest it?
- Tell me about major world events.
- Tell me what major indices / commodities / FX rates / bond yields / LIBOR etc. are at and why that's the case.
There are more potential questions, of course, but if you have good answers to these you'll be well-prepared to handle variations.
The answer to many of these questions: "Read (or at least skim) the Wall Street Journal cover-to-cover, every day – and anything else you can get your hands on." Never, ever miss reading it or you'll be in for a shock when you show up for your interview.
If you're a student, get a university discount or share a subscription with a friend or find any other way to access it that you can.
You can read other newspapers, blogs, and finance-related sites, but never skip the WSJ for any reason – especially not if you have an interview that day.
Recent Article / Trend Discussion
Try to find something on a "sexier" topic, not something mundane (e.g. the unemployment rate, the trade deficit…).
Opinion articles and editorials are very good for these types of questions. Examples:
- The Real Causes of Income Inequality – It's Not What You Think
- Why High-Frequency Trading Helps the Markets
- The Real Way to Fix Europe's Economy
If you've passed middle school, you understand how to discuss an article: state the main idea, the supporting reasons, and then whether you agree/disagree and why.
As a trader you'll constantly have to read the news, evaluate it, and see if you can use it in your own trading strategies.
Stock Pitches
The most common mistakes here:
- Picking a company that is well-known and that everyone else is analyzing (Apple, Google, Facebook, Microsoft).
- Not backing your stock pick with solid reasoning (both quantitative and qualitative).
- Not knowing key information about a company such as their leadership, strategy, key valuation multiples, and so on.
And yes, I mentioned that I pitched Apple back when I was networking… but back then it wasn't as well-known, and it was just for networking purposes rather than an official interview.
How can you find stock ideas to pitch?
- Read sites like Seeking Alpha, follow successful investors on Covestor, and read about recent deals and corporate news in the WSJ to get some initial ideas for companies.
- Take a "tops-down" approach and pick an industry you're interested in, get some equity research (free with a TD Ameritrade account) or research it online, and determine the most promising companies in that market.
- Pick a big trend in the world (emerging markets, software-as-a-service, unconventional energy resources, etc.) and find a company that can take advantage of it.
Here's how to structure a stock pitch:
- Aim for 60 – 90 seconds – more than that and they'll lose interest.
- Start by giving the company's name, briefly describe what it does, say whether you like it or don't like it, whether you're long or short, and the price target.
- Give 3 supporting reasons that explain your thinking and why you think the stock's price and value are different.
- Estimate the potential upside from the stock in a certain timeframe, and how you plan to exit the investment.
- Give the potential risks and how you could hedge against those.
Example stock pitch: "I like Aero Dynamix, a leading manufacturer of commercial aircraft engines. It has about $500 million revenue and $100 million in EBITDA and trades at around $20.00 per share, at a P/E of 10x, vs. 11-12x on average for its competitors. I like them and think the price could rise to $25.00 per share, for a P/E of 12x, in the next 12 months.
Right now, they're undervalued by about 20% vs. competitors because prices and demand have declined in some of their key markets in Europe. But they've just gotten started expanding in China, where there's far more growth, and 10% of their revenue will come from there by the end of the year.
Also, oil prices have fallen 15% in the past several months but that hasn't been factored into their price yet. As those lower prices move through the system, air ticket prices are likely to decline, which should push up traffic and cause companies to invest in more aircraft, which will help the company.
Finally, they operate at higher margins than the rest of the industry but haven't received credit for that yet because the market over-reacted to bad news in one of their regions.
The time frame for this investment is 12 months, with a target price of $25.00. I would set a stop loss at $18.00.
The main downside risks are a general market decline, which could be hedged by shorting a broader index, and stagnation in emerging markets, which you could hedge by longing a defensive or blue-chip index or anything else not dependent on developing countries."
You may get more questions after this initial pitch – they're likely to ask you more about the risks, how it's valued vs. competitors, institutional ownership, and what specifically this company has that competitors do not.
The best way to know all this is to get free equity research from a service like TD Ameritrade or other online brokerage accounts and read through reports and online sources that discuss the company.
Trading Ideas vs. Stock Pitches
You may also get asked about "trading ideas" rather than pure long/short stock pitches, so you should have a few thoughts on macro, FX, options, and related plays.
During my interviews, I talked about how the Hong Kong dollar had been pegged to the US dollar for the past 30+ years, and how trading algorithms did not price FX options correctly because the peg had lasted for so long.
I told them that I thought the peg would be removed, as the HKD was undervalued, and the only way for it to appreciate was by removing the peg.
Therefore, purchasing call options on the HKD vs. USD could be an investment with a huge payoff.
I went into more detail than that as the conversation progressed, but this was something that few other interviewees mentioned and so it set me apart.
This was not my original idea, but it didn't matter – as long as you can back up why you think it's a good investment, it's fine.
You need to have examples like this in your back pocket if you really want to stand out.
The $10 Million Investment
These questions are related to the ones above about stock pitches and trading ideas, but diversification is the key element here. You'd be foolish to invest $10 million all into one asset… unless you had another spare $500 million lying around.
So you need to go into detail on the different asset classes you'd invest in, the percentage allocation into each one, and why that makes sense given your investment goals.
You would start by asking for their goals (or stating your own), and then give an estimate of the percentages across different classes such as equities (large-cap, mid-cap, small-cap, international, etc.), fixed income, cash, real estate, commodities, and alternative investments.
It's fairly straightforward… if you're younger and can afford more volatility, aim for high returns even at greater risk, and as you get older you aim more for capital preservation and possibly income generation and tax benefits.
Major World Events
There isn't much to say here – simply put, know what's going on in the world, from various financial crises and natural disasters to macro indicators like unemployment, new housing starts, GDP growth and inflation, and so on.
If it's an election year you will be asked about how different parties can impact the markets. Make sure not to pick a side – just show that you are knowledgeable about the impact of the different results.
Rates, Indices, and Commodities
There isn't much to say here because it's a matter of following the key numbers each day.
One overlooked point is that you also need a sense of how these have been trending over time – the past few years, the past 6 months, and then where they might go in the future.
You should use Bloomberg.com and markit.com to get all this information:
- Equities: US – DJIA, S&P 500, VIX; Europe – Estoxx, FTSE 500, VStoxx; Asia – Nikkei
- Credit: CDX NA IG, CDX NA HY, iTraxx Europe, iTraxx XO; SovX WE, SovX CEEMEA
- Commodities: Oil and gold
- Interest Rates: LIBOR, Fed Funds rate, 2-year and 10-year Treasuries
No, you don't need to memorize every one of these, but you should have an idea of the most important ones for your region.
If you went in and could not answer how oil prices have changed over the past 12 months, your chances would not be good.
Brainteasers and Mental Math
So that's what you need to prepare for on the markets side.
In some ways it's actually easier than investment banking interviews because you don't need to learn about specific topics like merger and LBO models, and it's more about backing up your answer with solid reasoning rather than being "right" or "wrong."
But brainteasers are harder to prepare for.
Technically you could get these questions in banking or consulting interviews, but they're the most common in sales & trading interviews.
The logic behind them: stress test you, and see how analytical you are under pressure.
No, you won't have to answer brainteasers on the job in S&T but you will be under constant pressure all day, and if you make a mistake you could easily get fired.
Unfortunately, there's no "formula" for answering these questions – all you can do is practice repeatedly and look online and in books for common questions.
While Vault is normally useless, they sometimes have good sample brainteasers so you should get their S&T guide or any other book on brainteasers that you can find.
Chances are that if you practice enough, you'll start seeing variations of the same questions being asked… which makes it easier for you.
The most important points with brainteasers:
- Always think out-loud and walk the interviewer through your thought process.
- Explain where assumptions come from and how you got there.
- If you get stuck, explain what you need to do next to continue… and they might point you in the right direction.
If you get the same brainteaser twice, I highly recommend telling the interviewer.
Doing so demonstrates your honesty and shows how you're different from many other candidates who wouldn't necessarily act that way.
And after widespread insider trading and securities fraud, honesty is becoming more and more highly-valued in the industry.
I actually had this happen and told the interviewer that I had already heard a particularly difficult brainteaser that he gave me – he told all his co-workers afterward that I was upfront with him, and eventually I won an offer there.
Mental Math Mayhem
You must be quantitative and good at mental math if you want to work in sales & trading – that's one of the ways it's different from other markets-based roles like long-only asset management, value-oriented hedge funds, and so on.
Technically they could ask you anything here, but a few types of questions come up repeatedly:
The key here is to break up "ugly" numbers into round ones. Examples:
- 97 + 55 = (97 + 50) + 5 = 147 + 5 = 152
- 334 + 567 = (300 + 567) + 34 = 867 + 30 + 4 = 897 + 4 = 901
Subtraction questions are similar but you need to decide when to round up – if, for example, the number's second digit is bigger than the second digit of the number you're subtracting from (e.g. 62 – 27). Examples:
- 62 – 27 = 62 – 30 + 3 = 32 + 3 = 35
- 934 – 478 = 934 – 500 + 22 = 434 + 22 = 456
- 934 – 437 = 934 – 440 + 3 = 494 + 3 = 497
When you're multiplying a 2 or 3-digit number by a 1-digit number, it's fairly straightforward because you just separate them into smaller groupings:
- 47 x 5 = (40 x 5) + (7 x 5) = 200 + 35 = 235
- 432 x 6 = (400 x 6) + (30 x 6) + (2 x 6) = 2400 + 180 + 12 = 2592
It gets trickier when you have 2×2 multiplication or beyond (better hope they don't give you a 5×5 in an interview).
The trick is to put the number with the larger second digit first and then group them into smaller units once again:
- 43 x 87 = 87 x 43 = (87 x 40) + (87 x 3) = (80 x 40) + (7 x 40) + (80 x 3) + (7 x 3) = 3200 + 280 + 240 + 21 = 3480 + 261 = 3680 + 61 = 3741
You'll have to keep track of some larger numbers in your head, so I recommend saying the numbers out-loud when you go through the calculation.
Squaring Numbers
This is easy if you're asked to square 6 or 7, but most interview questions involve 2-digit numbers.
The trick is to use this formula:
And then you set Y such that either (X + Y) or (X – Y) end with "0." Examples:
- 89 ^ 2 = (89 + 1) * (89 – 1) + 1^2 = 90 * 88 + 1 = 90 * 8 + 90 * 80 + 1 = 720 + 7200 + 1 = 7921
- 56 ^ 2 = (56 + 4) * (56 – 4) + 4^2 = 60 * 52 + 16 = 60 * 50 + 60 * 2 + 16 = 3000 + 120 + 16 = 3136
Square Roots
Ah, now for the fun part… it's harder to apply "tricks" to square roots because you're almost always going to end up with numbers that have decimal places.
So you should think in terms of square numbers instead. Let's say they ask you the square root of 58…
- Think, 7 ^2 = 49
- And 8 ^ 2 = 64
- 58 is closer to 64 than 49, so the answer must be above 7.5 and below 8.0
- So you can say "approximately 7.7" – it's actually 7.6, but your guesstimate is close enough.
Another common question: what is the square root of .9?
You might instinctively say, "0.3!" or "0.03!" but you would be wrong.
Once again, think in terms of known squares: 0.9 is close to 1, and 1 ^ 2 = 1… so the square root of 0.9 is "approximately 1" (0.95 to be more exact, or you can just say "slightly less than 1").
Sales Interviews?
What if you're interviewing with a sales desk rather than a trading desk?
Well, you'll still get all the markets-based questions because you need to know those regardless of your role.
Brainteaser and mental math questions are less likely to come up, but you should still know the basics because you might have to answer questions from clients or traders on-the-spot.
As mentioned in Part 1, they do focus more on your communication and selling skills – but it's not a great idea to skip the math and brainteaser prep altogether.
Your Interview Prep Checklist
So when your interview is coming up tomorrow… or in a week… or very soon, here's what you need going into it:
- Your "story" and why you want to do S&T over anything else – including related fields like asset management and equity research.
- 5-6 anecdotes from your resume that demonstrate the skill set needed in S&T, and an idea of how to re-use them for many "fit" questions.
- Knowledge of all the market indicators mentioned earlier, plus a sense of how they've changed in the short-term, long-term, and how they might change going forward.
- 3 stock pitches, with at least 1 long idea and 1 short idea.
- 1-2 trade ideas – FX, global macro, volatility, or anything else.
- 1 recent article or world event and your opinion on it.
- At least a few hours of practice with mental math and brainteaser questions.
Got Offers?
If you've done everything in this series – networking, resumes, and interview prep, you'll be well on your way to receiving S&T offers.
The problem is that many people complete some of this process, but not everything. Or they only complete part of one step, fail to understand the overall process, or aren't specific enough with why they want to be in S&T…
Which is sort of like making a trade but then not hedging yourself properly: you could make money, but you could also lose everything if the market moves against you.
Proper interview prep is the same as properly hedging your trades: you'll never lose everything, and you'll do better than everyone else on average.
And you might even do the impossible and win multiple sales & trading offers – even if you're from an unknown school with no on-campus recruiting.
Coming Up Next
That's it for this series, but we're always looking to add new material on Sales & Trading. And yes, I'm aware that we haven't featured much on Sales yet (more coming soon).
What else do you want to know about? Leave a comment below and we'll add it to the list.
- Sales & Trading Recruiting, Part 1 – Overview
- Sales & Trading Recruiting, Part 2 – Networking
- Sales & Trading Recruiting, Part 3 – Resumes
- Sales & Trading Recruiting, Part 4 – Interviews – Your Story and "Fit" Questions
- Sales & Trading Recruiting, Part 5 – Interviews – Markets, Brainteasers, and Mental Math


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Top Definition
The definition for "Fiddadle"is another word for the liquid food known as "noodle". It was funny and lots of people admired the word. Some people said it often.
"Hey, mom? Can i have some fiddadles?
Coolnoodle tarafından 26 Kasım 2013, Salı
Trending Now
Can you define these popular missing words?
too masterbate vigorously
i fiddadle like its no one's buisness
alexluv'sstool tarafından 12 Ağustos 2009, Çarşamba


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Peanut Butter Gooey Brownies
Actually these brownies were a little too sweet for me. I know that that is crazy talk for most of you reading this post. But, yes, to someone who doesn't eat a lot of "true sweets" I thought that these were just 'too sweet' for me.
At least my hungry hubby seemed to enjoy them and quickly devoured his serving. I'm sure by now, if you've looked at my blog at all, you can tell that we are BIG chocolate and peanut butter combo fans....if you are, these are perfection!
homemade dark chocolate ice cream on top? Why, of course!! Don't mind if I do!
Peanut Butter Gooey Brownies {Gluten Free}
2 tbsp coconut palm sugar
3 large eggs
1 c brown rice flour
1/2 c unsweetened cocoa powder
1/2 tsp salt
1/4 c heavy cream1/4 c unsalted butter (1/2 stick)
1 tsp vanilla
8 oz dark chocolate chips (or a chopped up dark chocolate bar, 60% cocoa or higher)
1/4 c dark chocolate chips (60% cocoa or higher)
2-3 tbsp no sugar added creamy peanut butter
Preheat your oven to 350 degrees. In a small saucepan over low heat, melt the butter and warm the cream together. Once the mixture is simmering, add the dark chocolate and stir to melt the chocolate. Once the chocolate is completely melted, remove from the heat and cool for 5 minutes.
In a separate bowl, whisk together the eggs and coconut palm sugar. Once the chocolate has cooled, drizzle it into the egg mixture, whisking constantly until it is completely incorporated. Add the cocoa powder, salt, vanilla, and brown rice flour and stir to combine. Pour dough into a greased 8x8 or medium sized casserole pan.
Drop in teaspoonfuls of the peanut butter and swirl into the brownies with a knife (you may want to microwave the peanut butter for at least 30 seconds first to make it easier to spread). Top with the chocolate chips. Bake at 350 for 25-30 minutes. Enjoy!


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HASTINGS, MI -- When a Hastings man allegedly told police last month that he wouldn't stop calling his ex-girlfriend, he wasn't kidding.
The man, Timothy Lee Purdum, was initially taken into custody after walking into the local police department with marijuana. Earlier that day — March 2 — his ex-girlfriend became fed up with continued calls and texts from him and reported them to officers.
Related: Man allegedly makes 82 calls to ex-girlfriend, then walks into Hastings Police Department with marijuana
She pulled out her phone to reveal a total of 82 calls allegedly received from Purdum's number within a recent 72-hour time frame.
As she spoke with officers, a call came in from Purdum. Officers answered and told him she was with him, Police Chief Jerry Sarver said. They advised him to stop contacting her and he allegedly responded, "No, and I won't."
Then he showed up at the police department and demanded to see the woman, Sarver said.
The problem was, officers found a small bag of marijuana in his jacket pocket.
Purdum is now charged additionally with aggravated stalking. He is accused of violating a no-contact order and is lodged in the Barry County Jail on a $122,000 cash/surety bond.


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1. Dumbledore dancing with Snape:
2. Bellatrix kissing Harry:
jaapphoto.com / Via ew.com
Image by JAAP BUITENDIJK
3. Cedric Diggory and Cho Chang laughing in the lake:
5. Harry and Draco giggling on broomsticks:
6. Harry as a young chap in costume with sunglasses giving the thumbs up:
8. Voldemort sticking his tongue out!!
Image by JAAP BUITENDIJK
9. Harry shrugging:
10. McGonagall chillin' while reading a fake Daily Prophet.
Murray Close/©Warner Bros./Courtesy Everett Collection
11. Snape laughing with Harry and Ron:
Image by Murray Close
12. Harry and Ron LOLing at a fake Dobby:
Rex USA
13. Dumbledore having a personal conversation with Bellatrix:
14. And another personal conversation with Voldemort:
Warner Bros. Pictures
16. Harry pouring one back in the dining hall:
17. Bellatrix on a MacBook:
18. Snape getting cozy with Lupin and Harry:
20. Bellatrix performing a spell on Harry as he laughs:
Rex USA
21. Harry with another Harry:
Warner Bros. Pictures
22. Whatever is going on with everyone suspended in the air:
23. And the heroes and villians smiling together:
©Warner Bros./Courtesy Everett Collection
Preview Your Response
In The News Today
- Donald Trump accused former Miss Universe Alicia Machado of conning Hillary Clinton in a Twitter rant Friday morning.
- World leaders hailed the legacy of former Israeli statesman Shimon Peres at his state funeral in Jerusalem.
- Anti-mafia police in Naples have recovered two Vincent van Gogh paintings that were stolen in Amsterdam 14 years ago.


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Kate, 30, decorated her blue ensemble by Rebecca Taylor with a simple $40 enamel brooch in the shape of a poppy, the red flower symbol of the Royal British Legion charity.
Dubbed "poppy bling" by a Legion spokesman, the brooches are for sale online at Poppyshop.org.uk.
Kate and William were at Goldsmith's Hall in London to mark the achievements of a group of servicemen who recreated the Scott-Amundsen race to the South Pole.
Next, the couple is expected at the Imperial War Museum Foundation for an event to raise money to build new World War I galleries at the museum. It will be the second outing for the couple in as many days.
On Wednesday night, the pair attended the U.K premiere of the movie African Cats.
Send well wishes to Will & Kate for their April 29 anniversary! Reply w/ #CongratsWillandKate & it could appear on PEOPLE.com/royals!— People magazine (@peoplemag) April 23, 2012


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Best Live Music Venues in TampaTampa is a hot spot for live music. The thriving live music scene in Tampa is also fully supported by local restaurants, bars and other venues. The following are some of the best live music venues in Tampa.
Best Gelato In Tampa BayWhat's creamier and tastier than ice cream but has dramatically fewer calories and fat? Gelato, of course. Here's where you can sample some of the best gelato in the Tampa Bay area.
Best Pizza In Tampa BayRead on to discover some of the greatest pizza joints in the Tampa Bay area.
Best Barbecue In Tampa BayLove the smokey, sweet and spicy flavor of Tampa Bay's barbecue cuisine? Well look no further, for we've assembled a list of the best barbecue restaurants in the Tampa Bay area.
Best Bars With Ladies' Nights In Tampa BaySingle or not, this list of some of the finest and most unique bars in Tampa Bay will have the ladies, and even some gentlemen, singing and dancing with joy.
The Best Indoor Activities in Tampa BaySummer is in full swing. Whether you're battling the heavy heat or sporadic storms, the solution remains the same: stay inside. Summer in Florida can be rough, but our area offers a safe haven. These unique, indoor activities will keep you entertained while beating the elements all summer long!
Best Teen Clothing Boutiques In Tampa BayWhen looking for school fashion for your teen? These boutiques all offer unique styles that can't be found elsewhere.
Best Ice Cream Sundaes In Tampa BayIce cream is possibly the world's best dessert; it's cold, creamy, sweet and can be enjoyed just about any way you like it. Here's the scoop on the best ice cream sundaes in the Tampa Bay area.
Best Art Museums In Tampa BayTampa Bay is often regarded as being one of the "Top Arts Destinations" in the U.S. Here are the five art museums that helped put Tampa Bay that the top of the list!
Best Brewpubs In Tampa BayTampa Bay is mostly known for it's beaches and sports teams however, it's quickly gaining a reputation for it's growing number of brewpubs. Here's our list of the best Tampa Bay Brewpubs that make their own beer.
Best Party Beaches Around Tampa BayIt's illegal to drink alcohol on most of Tampa Bay''s beaches - unless you know about these next six locations.
Best Tacos in Tampa BayIf you love authentic Mexican tacos check this list out. We have found the best restaurants, shacks and hole-in-the-wall joints on both sides of the bay where the tacos will transport you to Mexico - or Baja - in just one bite.


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- Table View
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Amber to Ashesby Gail Mchugh
From the New York Times bestselling author of Collide and Pulse comes a gritty new novel about a shattered young woman who unexpectedly falls for two best friends.They were a storm I never saw coming, an unforeseen heartbreak on the edge of a dangerous cliff. Amber Moretti's life changes in the span of minutes. An orphaned outsider, she is desperate to start fresh the moment she walks onto campus. In the time it takes to cross the university's dining hall, she meets two men who bring color, air, and light to her darkened world. They became my addiction, each a needle to my next hit, my high. Brock Cunningham's appeal is dizzying, a potent force Amber can't deny. A green-eyed smooth talker, he instantly attracts Amber. It doesn't take long for him to consume her every thought, her every breath. Ryder Ashcroft, a blue-eyed, tattooed, and pierced bad boy, turns Amber off immediately--that is, until he kisses her, stealing a piece of her heart, her soul. They were as opposite as fire and ice, yet I ached for them equally. Never knowing she could be broken down in so many unexpectedly beautiful yet petrifying ways, Amber finds herself falling for both men. Immoral? Maybe. I say undeniable. Uncontained. But one devastating event changes everything, shattering each of their lives...and Amber isn't sure she can recover from it.
Collideby Gail Mchugh
Her mind tried to fight a bloody battle against what her body already knew. She wanted him, and she wanted him bad.On the heels of college graduation and the unexpected death of her mother, Emily Cooper moves to New York City to join her boyfriend for a fresh start. Dillon Parker has been sweet, thoughtful, and generous through Emily's loss, and she can't imagine her life without him--even as her inner voice tells her to go slow.Then she meets Gavin Blake. A rich and notorious playboy, Gavin is dangerously sexy and charming as hell. Their first encounter is brief, but it's enough to inflame Emily's senses. When their paths cross again through an unexpected mutual acquaintance, she tries to deny the connection she feels, but Mr. Tall, Dark, and Handsome won't let go so easily.As she discovers Gavin's pain-filled past and Dillon's true nature begins to surface, Emily knows she must take action or risk destroying everyone--including herself. But how can she choose when she can't trust her own heart?
Collideby Gail Mchugh
A missed first encounter. . . Colliding with a second chance. . . On the heels of graduating college and trying to cope with her mother's death, Emily Cooper moves to New York City for a fresh start. While harboring secrets of his own, Dillon Parker takes care of Emily through her grief. Knowing he can't live without her by his side, he's sweet, thoughtful, and everything Emily has ever wanted in a man. Until she meets Gavin Blake-a rich and notorious playboy who is dangerously sexy and charming as hell. Emily tries to deny the instant connection she feels, but Mr. Tall, Dark, and Handsome is not inclined to let go so easily. Recovering from his own painful past, Gavin will stop at nothing to win Emily over. This unexpected encounter compels Emily to question her decisions, forcing her to make a choice that will destroy friendships, shatter hearts, and forever change her life.
Craveby Colleen Hoover Abbi Glines K. A. Tucker Karina Halle Gail Mchugh Leah Raeder Renee Carlino
Turn up the heat with this free e-sampler featuring seven irresistibly sexy and utterly enticing selections by some of the biggest names in contemporary romance and new adult fiction. Lose yourself in these stories and spread the love by sharing with your friends. Here's a taste of: After the Rain by Renée Carlino When You're Back by Abbi Glines Where Sea Meets Sky by Karina Halle Confess by Colleen Hoover Amber to Ashes by Gail McHugh Black Iris Leah Raeder Chasing River by K.A. Tucker Find out more about your favorite authors at Facebook.com/AtriaIndieAuthors Twitter.com/AtriaBooks
Just A Touchby Jamie Mcguire Colleen Hoover Abbi Glines K. A. Tucker Gail Mchugh Ryan Winfield Kendall Ryan Leah Raeder Renee Carlino Elizabeth Reyes
Included in this free e-sampler are selections from ten sexy, heartbreaking, and epically romantic books by some of the biggest names in contemporary romance and new adult fiction. You'll want to read them over and over again, share with your friends, and bookmark every page.We hope you enjoy these excerpts and come back for the rest of the story! Here's just a touch of: Sweet Thing by Renée CarlinoRush Too Far by Abbi GlinesUgly Love by Colleen HooverBeautiful Oblivion by Jamie McGuireCollide by Gail McHughUnteachable by Leah RaederDesert Heat by Elizabeth ReyesWorking It by Kendall RyanFive Ways to Fall by K.A. TuckerJane's Melody by Ryan Winfield Find out more about your favorite authors at Facebook.com/AtriaIndieAuthorsTwitter.com/AtriaBooksAtriaIndieAuthors.com
Love at First Sightby Jamie Mcguire Colleen Hoover Abbi Glines K. A. Tucker Gail Mchugh Ryan Winfield Kendall Ryan Leah Raeder Renee Carlino The Hot Bed
The team at Hot Bed HQ bring you a sample of our favourite authors. We know there is a lot of love for these amazing authors, but you might find someone knew here, and it will undoubtedly be Love at First Sight.Featuring:Sweet Thing by Renée CarlinoRush Too Far by Abbi GlinesUgly Love by Colleen HooverBeautiful Oblivion by Jamie McGuireCollide by Gail McHughUnteachable by Leah RaederDesert Heat by Elizabeth ReyesWorking It by Kendall RyanFive Ways to Fall by K.A. TuckerJane's Melody by Ryan WinfieldYou will definitely be coming back for more!Find out more about your favourite authors at:www.thehotbed.tumblr.comTwitter: @TheHotBedwww.facebook.com/TheHotBed
Pulseby Gail Mchugh
How do you keep existing when your heart is so splintered, so completely torn to shreds, your pulse is fading?You#146;re#133;broken. How do you move forward when every breath is nothing more than a constant ache? Living becomes an insidious reminder that you threw away the single largest part of yourself. Your#133; soul. No amount of distraction can pull you from the torture of losing your#133;life. Now that Emily Cooper has walked away from her first love, she finds herself running toward her only love. Unraveling fast, but clinging to hope, Emily risks all she has left on the man that has consumed her every thought and dream since the day they met. Will Gavin take her back? And if so, will their reunion be a collision of two hearts destined to complete one another and rekindle a love that knew no boundaries? Or will scars from their past rip open, tearing slowly at what each of them was meant to be? Can fate, the ultimate game changer, mend the shattered road it laid out from the start?Only time will tell#133;Tick-Tock#133;
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- DAISY Audio - Similar to the Daisy 3.0 option above; however, this option uses MP3 files created with our text-to-speech engine that utilizes Ivonas Kendra voice. This format will work with Daisy Audio compatible players such as Victor Reader Stream and Read2Go.


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Come experience flower power in all its glory on Saturday, April 23, at the historic Jenkins Estate.
The stable at Jenkins Estate, 8005 SW Grabhorn Road in Aloha, will be filled with rhododendron and azalea trusses for a judged Rhododendron Show.
The public is invited to participate in the event, visit these spectacular displays, or take part in the plant sale. Admission is free.
Entries will be accepted for judging from 7:30 to 9:30 a.m. The show is open to the public from noon to 4 p.m. The plant sale will be from 10 a.m. to 4 p.m.
Call 503/629-6355 or click here for more information.


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Carolyn Hall Young said she sees countless advertisements for retreats and events for breast cancer survivors, and time after time she brushes them off, saying, "Not for me."
But something about the Casting for Recovery retreat seemed to call her name.
Young, of Santa Fe, N.M., has lived for 23 years with Stage 4 non-
Hodgkins lymphoma, which led to the breast cancer she developed in 2008. She said the retreat was unlike anything she has ever experienced.
"On the way there, I was overwhelmed with the feeling that I was about to meet women I have always loved but had never met, and it was true," she said.
Casting for Recovery is a nonprofit organization that offers women in any stage of breast cancer a free retreat weekend to learn to fly-fish and to bond with other women with breast cancer.
Lisa Sutton, co-director of the New Mexico chapter of Casting for Recovery, said the chapter is accepting Amarillo breast cancer survivor applications.
Women from New Mexico and Amarillo may apply and 14 applicants will be chosen at random to attend the weekend getaway Aug. 24 to 26.
Sutton said the program can accommodate women in all stages of breast cancer, whether they are 10 years in remission or in the throes of their cancer battle.
"We can handle any type of situation," Sutton said. "We can adapt to whatever their situation is, and we do have medical people on staff."
Young said she was anxious before attending the retreat because she had to use an oxygen tank while she was there, but she said the staff went above and beyond to accommodate her needs.
"If I could click my heels and just be there right now I would do it — as soon as I find my ruby slippers," she said with a laugh.
Sutton said the participants will stay in a comfortable lodge at the Express UU Bar Ranch LLC in northern New Mexico and everything will be provided, including fishing gear.
"They don't have to know anything about fly-fishing," Sutton said. "In fact, it's almost more fun if they don't know anything about it."
The fluid movement involved in casting is helpful to someone who has had breast cancer surgery because it exercises the connecting muscle between the arm and the chest, Sutton explained.
"It's also a very tranquil sport, so it's good for the people who are in the throes of breast cancer who don't really have an outlet physically," she said.
"This is really a way for them to learn a new sport and talk with people who are going through the same thing."
Young said fly-fishing is merely a vehicle Casting for Recovery uses to put women in a different environment and allow them to be away from the people they are supporting and who are supporting them.
"It was a weekend away from the normal and into heaven," she said. "And you know if you wanted to just curl up with a book and just be, there was no pressure to perform."
Sutton said there are psychosocial counselors on staff to help facilitate discussion during group sessions.
"It's very candid. Each session is different. They go into whatever they want to talk about, and it's all kept private, so it gives them someone they can talk to and also other women who have been through the same thing," Sutton said.
"You'd be surprised how quickly these women bond. By Saturday these women are best friends," she added.
Young said her experiences have allowed her to reach out to other women who are facing similar health battles.
"When someone is telling me about their diagnosis and telling me how they feel, I can turn to them and say 'I know.' Casting for Recovery is the biggest 'I know' that I have ever encountered, and that's after 23 years," Young said.
Casting for Recovery raises money all year long through fundraisers and events, so the weekend retreat is free for the participants.
"They're completely taken care of from the time they arrive to the time they leave," Sutton said.
Young said she left the retreat feeling empowered by the participants and the volunteers she met.
"I would not have known the potency of what I had missed if I had not gone," she said.
"To know that this happens because of the extraordinary goodness of human beings. They made each of our limitations seem invisible because they were so well-prepared."
Go to castingforrecovery.org to apply for the New Mexico retreat held this year at the Express UU Bar Ranch outside Cimarron, N.M., or tell someone you know to apply.
If you would like to donate to the program, call Lisa Sutton at 505-603-0525.


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The Albuquerque Police Department is courting potential officers on Craigslist.
According to the director of training for APD, the department has 100 vacancies. That's compounded by the 230 additional officers who are ready to retire.
To combat the declining ranks, the department is using new tactics to attract candidates. That includes using Craigslist.
The popular website is a free and effective way to find people seeking jobs, according to director Joseph Wolf. APD said it appears to be working. APD saw 455 interest cards filled out in January alone from prospective officers.
Wolf said that doesn't necessarily mean the city will see a large number of cadets graduating, but it's a good sign in the push to find more officers.


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East Dallas residential sales firm merges with Briggs Freeman
Scott Carlson Real Estate, a residential sales firm that specializes in properties in the Lakewood area and other eastern Dallas neighborhoods, has merged with a larger firm.
Briggs Freeman Sotheby's International Realty has acquired the smaller company, which has an office on Gaston Avenue.
"I realize this actually is an awesome opportunity and will be great for us, taking Scott Carlson Real Estate and Lakewood to the next level," founder Scott Carlson said in a statement.
Briggs Freeman already operates five offices in the Dallas area.


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The State Patrol help KCCIs Laura Nichols test a proposed new drunken driving limit.
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It doesn't look as neat anymore, but wth.
imgur: the simple image sharer
Make America Great Again
Great time last night at my friends sausage fest bachelor party. I am just now starting to remember what the hell happened last night, and spent the last 6 hours(and before) puking my guts out. Gentlemen Jack wasn't very gentlemeny after all. I smoked some marijuana that was probably laced with something and had wax on it, so, unbeknownst to me at the time -- I proceeded to take massive riffs off it for like 20 minutes straight before I took a few shots, then ended up banging my head on my friends bathroom floor. Headache and cottonmouth from the depths of the Earth right now, but I'm in a very good mood anyway. Thought I was going to die last night though. When I calmed down, the entire backyard had 0's floating around and the night sky was colored an odd pink and the moon seemed like it was getting closer. I got super paranoid of my friends and hid away in the backyard for a while. I still wasn't as bad off as my friend who was crawling around and slithering like a snake; tongue and all.
Make America Great Again
I can't smoke marijuana. Had an ER-visit-worthy panic attack from it years ago and it was never the same after that. It induced temporary blindness, or what seemed like it anyway. Oddly enough, when I lost consciousness back in July due to menorrhagia, the experience was almost identical.
Glad you're feeling better.
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I loooove that pic. Wonder if it is photoshopped? Or did you take it?
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Thanks <3 and glad you're feeling better too, avoid that pot.
Make America Great Again


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When Jameis Winston isn't tossing touchdowns, he's busy specializing in frozen ropes.
SportsGrid reminded us all that Florida State's quarterback is pretty darn swell at throwing things.
On Monday, the 18-year-old redshirt freshman helped Florida State annihilate Pittsburgh, 41-13. Winston also threw himself into the mix (albeit early) for the 2013 Heisman race.
The Alabama native completed 25 of 27 passes for 356 yards and four touchdowns, catching the attention of an entire nation looking for the next big gridiron star.
Winston has a cannon for an arm that he uses to complete passes and throw baseballs, but he does so in far grander proportions than we are used to.
You can savor the above video, which shows Winston providing a laser beam of a throw to get a runner out at home, or you can see the Yahoo! Sports highlight of him tossing out someone who had the audacity to think he could go for an extra base and got nailed at third.
Then again, you can just watch this highlight reel from his freshman baseball season, including his work on the bump. Rumor has it that he was even pumping 90 mph fastballs during the season:
If that kind of velocity isn't enough, he changes speeds with a clever little curve that freezes the first hitter in the video.
Many of us were amazed with his arm on Monday night, but his talents are far deeper and farther-reaching than just football.
Give this guy an object and he will throw it a mile. Now sit back and enjoy the season, which will feature one of the most impressive sights in sports at the moment: Winston tossing bullets.
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Economic Brief No. (EB-2) 6 pp, March 2006
A multitude of design decisions influence the performance of voluntary conservation programs. This Economic Brief is one of a set of five exploring the implications of decisions policymakers and program managers must make about who is eligible to receive payments, how much can be received, for what action, and the means by which applicants are selected. The particular issue addressed here is options for targeting program payments to where they can yield the greatest gain.
Keywords: conservation program design, targeting, environmental benefits, Conservation Reserve Program, CRP, Environmental Quality Incentive Program, EQIP, Environmental Benefit Index
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Peregrine Falcon Nesting Cliffs Reopened for Hikers
WATERBURY, VT – Hiking trails near peregrine falcon nesting cliffs are open to public access starting August 1, according to the Vermont Fish and Wildlife Department. The areas were closed to protect the birds from human disturbance during the nesting period.
"The young peregrines have fledged, and nesting data suggest this year's productivity is among the lowest in recent years. The success rate of the monitored occupied sites was 64 percent, which was the lowest since 2003 and the fledgling rate was the lowest since 1990," reports Fish and Wildlife's migratory bird biologist John Buck. "The extreme wind and rain storms of April and May made it very difficult to rear young falcons. Predation and human disturbance may be additional factors in the lower nesting success," said Buck.
According to Audubon biologist Margaret Fowle, who coordinates the monitoring effort, at least 38 pairs of peregrines occupied Vermont cliffs during the early spring and summer. Preliminary results indicate at least 28 pairs nested, and 18 pairs successfully produced at least 36 young.
"Given how successful Vermont peregrines have been in the past decade or so, it is my hope that this year will just be a blip on what has been an extremely positive trend since I first started on the project in 1997," said Fowle.
"We greatly appreciate the time and effort our 40 volunteers put into monitoring the population this year, and we thank landowners and recreationists for their cooperation in protecting nesting peregrines from human disturbance," added Fowle.
Vermont Fish and Wildlife and Audubon Vermont partner to monitor and protect peregrine nesting sites in Vermont. Peregrine falcons were removed from the state's Threatened and Endangered Species List in 2005. Ongoing cooperation from recreationists and continued monitoring efforts by Audubon and Vermont Fish and Wildlife will help ensure the peregrine's remarkable recovery is sustained.
Peregrine Falcon Nesting Cliffs Reopened for Hikers
Started by Bigfoot, Aug 01 2011 08:27 AM
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Maybe Cam Newton is Superman after all as his post-touchdown celebration might indicate.
It's hard to imagine that at one point folks were wondering if Newton could play at the professional level.
Newton has been nothing short of fantastic this season as the Panthers doubled their win total from last season with their fourth victory of the year Sunday against Tampa Bay. The Panthers look to carry that momentum into next Sunday's home game against Atlanta, which is coming off a tough loss to Houston.
The Panthers won two of three on their recent road trip after losing 12 straight on the road dating back to 2009.
Carolina's offense has never looked better as Newton ran for three scores and threw for another, giving him the all-time single-season record for rushing touchdowns by a quarterback with 13. He broke Steve Grogan's mark of 12 set back in 1976.
Last week Newton called Mike Vick the "innovator of taking the game to the next level -- hands down."
But Newton seems to be taking it one step further.
His incredible athletic ability has proven tough to stop, particularly on third downs and goal-line situations. He's converted more third downs than any player in the league.
When asked about the significance of breaking Grogan's 35-year-old record Sunday, Newton said it meant something special to him.
"I'm not going to sit up here and lie," Newton said. "But I'm not focusing on individualism in this game because it's still 11-on-11... Most important, the other five guys that are blocking their tails off each and every snap."


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Leadership EXCEL class studies art, culture, history
CROWLEY – The first session for the 2008-09 class began on Wednesday October 15 at City Hall.
Allison Clarke, Board Member, welcomed participants, outlining the agenda for the day and reviewing the goal for the session: to understand the role and economic impact of art, culture, and history in Acadiana. Other Board Members coordinating the day's activities were: Jill Habetz, Board Chairperson,
Cynthia Hoffpauir, Jeff Davis Business Alliance President, and Peggy Sandidge, EXCEL coordinator
Participants viewed a video on the J.D. Miller Recording Studio and enjoyed a brief tour of the other museums.
Leaving City Hall, the group was given a presentation on the history of the Opera House, along with a tour, by the Executive Director Kim Gattle. The next stop was at The Gallery where Shirley Griffin told about how local artists and crafts people work together to promote art in the community.
Arriving at Crystal Rice Plantation, the class members enjoyed touring the museums located there: the Antique Car Museum and Blue Rose Museum. During lunch, Diane Hoffpauer showed a film on the economic endeavors in progress.
The group traveled to Jennings to visit the Tupper Museum, after which they went to the Zigler Museum. After viewing the impressive art work, Burt Tetje, Executive Director for SPARC gave a power point presentation on plans to build an Energy Museum and provide a new location for the Zigler Museum at the Oil & Gas Park in Jennings.
Leadership EXCEL is sponsored by the Crowley Chamber of Commerce and the Jeff Davis Business Alliance.
The next session will be Education/Economic Development on November 19.


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The College Assistance Migrant Program (CAMP) at The University of Texas-Pan American is committed to helping you succeed by providing you with a quality program to help you achieve your dreams of a college education.
As a student participating in this program during your freshmen year, you will be provided support services to improve your academic skills, research careers, attend educational/cultural field trips and to participate in academic advising, career planning and group counseling sessions.
You will also have the opportunity to become acquainted with other CAMP students from Hidalgo, Cameron, Starr, and Willacy counties.
The CAMP staff is ready to assist you in achieving college success; however, the final outcome depends on you and your persistence to succeed.
Your dreams of earning a college degree and the start of a brighter future can now become a reality. We encourage you to take advantage of this opportunity and to let us know how we may assist you as you embark on your educational journey.


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Rent Call To Home 1st edition today, or search our site for other textbooks by Carol Stack. Every textbook comes with a 21-day "Any Reason" guarantee. Published by Basic Books.
Need help ASAP? We have you covered with 24/7 instant online tutoring. Connect with one of our Asian-Pacific-American-Studies tutors now.


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City&Region news briefs
New Erie radio station to announce format today
A new Erie FM radio station is on the air and will unveil its format today at noon.
WEHP-FM/Happi 92.7, owned by the Erie Radio Company, is broadcasting songs with "happy" in the title, such as R.E.M.'s "Shiny Happy People" and "Don't Worry, Be Happy."
A station promo on Thursday advised listeners to "tune in tomorrow at noon, you'll be happy you did. Trust me."
Richard Rambaldo, the co-owner of Erie Radio Company, said Thursday the station's tagline will be "Erie's new No. 1 hit spot."
Rambaldo broke into Erie radio market in 1989 when he started the station that became WRKT-FM/Rocket 101.
In 2006, Rambaldo sold six stations he controlled, including Rocket and WRTS-FM/Star 104, to Connoisseur Media.
Erie Radio Company's other co-owner is Dave Hallman Jr.
WJET-TV anchor Thomas to work in Erie for Wiley
WJET-TV anchorwoman Kim Thomas is leaving news for politics.
Thomas will become director of communications and public relations for state Sen.-elect Sean Wiley's Erie district office, Wiley said.
He was elected Nov. 6 to represent the 49th District in Erie County.
Thomas will begin her new duties Dec. 1, when Wiley will take office. He will be sworn in Jan. 1.
Lou Baxter, news director for WJET and WFXP-TV, said in a statement that Thomas has done a great job for the company over the past six years, including the last two years on the anchor desk with Sean Lafferty.
A nationwide search for Thomas' replacement has started, Baxter said. Lafferty will handle anchor duties by himself in the interim.
Rabid bat bites Millcreek girl in her home
A Millcreek Township girl is undergoing a series of rabies vaccinations after she was bitten by a rabid bat.
The incident occurred early Sunday morning while the girl was at her home, according to family members who asked that her name, age and address not be published.
Erie County Department of Health officials confirmed the incident. The bat was captured by the girl's family and later tested positive for rabies.
Humans who are exposed to rabid animals must undergo four injections of rabies vaccine and a number of rabies immunoglobulin injections. Left untreated, rabies is almost always fatal to humans.
Eight raccoons, three bats and one cat found in Erie County have tested positive for rabies this year.
County health officials said a significant number of people have undergone rabies vaccines this year, though an exact count was not available.
-- from staff reports


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Shimmering Donna Murphy Duels Mean Daughter in 'People': Review
Comedy in jackboots is, with all due respect to Mel Brooks, a tough sell. Ernst Lubitsch found this out with his brilliant 1942 film "To Be, or Not To Be," about a ragtag theater troupe struggling to survive in Warsaw during Hitler's rise to power. The reaction to the movie was brutal, despite a cast headed by Carole Lombard and Jack Benny.
"The People in the Picture," the Roundabout's new musical at Studio 54, has a similar plot. Switching in time between 1977 Manhattan, and Poland from 1935 to 1946, the show tells the story of the "Warsaw Gang," who sing "We play the shtetl circuit, a lousy deal no matter how you work it."
That clunker comes in the first minutes of the show, which has a book by "Beaches" writer Iris Rainer Dart, with a pastiche score by Mike Stoller (of Leiber and) and Artie Butler.
There are groaners galore in "Picture" -- I hope it's the only time I'll ever hear "Jerusalem" rhymed with "bamboozle 'em" -- but I'm going to assume they're intended. The Warsaw Gang is part Yiddish theater, dedicated to bowdlerized Shakespeare (Romeo and Juliet live! Iago's not so bad!) and part slap-stick burlesque.
The darling of the company is leading lady Raisel, who we first meet as a grandmother, Bubbie, in 1970s Manhattan. Bubbie has photographs of the company. She regales her adoring granddaughter, Jenny, with tales of romance and survival while her hostile, actively uninterested daughter trundles off to work each day (as a writer on a comedy show, no less).
Shimmering Star
In Donna Murphy, the creators have a shimmering star who can play a tender, doting grandma and yet evoke Lombard, that irresistible mix of winks and minx.
But along with some syrupy writing, a mean streak runs through this show. For the first half, Jenny's mom, Red, is played (by Nicole Parker) as a strident over-achiever, hardened to her own mother's suggestion that she quit her job and care for her daughter herself.
In Act II, as the story of what happened to Raisel and her baby emerges, Bubbie, too, is taken down a few notches.
Leonard Foglia's hyperactive production is lovely, with set designer Riccardo Hernandez taking the title at face value and offering up lots of gilded frames to frame the action. James F. Ingalls's lighting evokes an Old World glow in Warsaw, steelier light in Manhattan, and Ann Hould-Ward's costumes also place us in those cities with subtle specificity.
And the cast couldn't be bettered. The standouts include Alexander Gemignani, Chip Zien and Lewis J. Stadlen as troupers, Parker as the mother and a young charmer, Rachel Resheff, as Jenny.
Through June 19 at Studio 54, 254 W. 54th St. Information: +1-212-239-6200; http://www.telecharge.com Rating: **
What the Stars Mean: **** Excellent *** Very Good ** Average * Not So Good (No stars) Avoid
(Jeremy Gerard is an editor and critic for Muse, the arts and leisure section of Bloomberg News. The opinions expressed are his own.)


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Suggested Itineraries
The historic Brandywine Valley boasts notable museums, incomparable gardens, world-class dining, and sophisticated accommodations—all tucked within the picturesque Pennsylvania countryside.
Whether you choose to trace the region's historic roots in towns that retain their 17th and 18th century charm, immerse yourself in three generations of Wyeth art, follow the ever-burgeoning trail of fine wineries, or explore the fabulous estates that rival Newport, time in the Brandywine Valley is well spent.
Glorious Gardens
Longwood Gardens, one of the world's great garden treasures and the former estate of Pierre S. du Pont, invites guests to explore more than 325 acres of dazzling outdoor beauty and one of the largest conservatories in America.
The spotlight is on native plants at Mt. Cuba Center, where elegant formal gardens, woodland landscapes, and serene pastures encompass the former estate of Lammot du Pont Copeland.
Winterthur features an outstanding American collection of antiques and a glorious garden. Winterthur was once the home of Henry Francis du Pont.
Nemours Mansion and Gardens, once the home of Alfred I. du Pont, is a French-style chateau furnished with antique furniture, rare rugs, tapestries and outstanding works of art, all set among spectacular French formal gardens.
Known as a "pleasure garden," Chanticleer is designed to illustrate the beauty of the art of horticulture. View vegetable gardens complemented by cut-flower gardens, or woodlands surrounded by grasses and sweet-smelling herbs.
At Jenkins Arboretum, this natural retreat is a husband's living memorial to his wife. As you walk among the rainbow of azaleas and rhododendrons, you'll experience life in a dense forest.
The Chateaus of the du Ponts
Discover an American family—the du Ponts. Their story spans three centuries, four estates and gardens, and five generations.
A visit to Hagley Museum and Library is a fitting start to the story of the du Ponts. A tour of this stunning park-like museum on the Brandywine River provides details about the families and the DuPont Company founder, E.I. du Pont (1777–1834). Its adjoining garden and dramatic demonstrations illustrate the manufacture of gunpowder, DuPont's first product.
Next is a visit to Winterthur, one of the few surviving great American country estates. Henry Francis du Pont (1880–1969), an avid antiques collector and horticulturist, was Winterthur's fifth owner. His love of American craftsmanship led him to assemble one of the world's most complete collections of antiques and Americana. Winterthur's fields and farmland detail the workings of a country estate, while the 60-acre naturalistic garden boasts breathtaking beauty.
Next stop is Nemours Mansion and Gardens, America's Versailles in the Brandywine Valley. Alfred I. du Pont (1864–1935) employed the architectural firm of Carrere and Hastings to design the 1909–1910 mansion. The 47,000 square foot house is decorated with rare rugs, antique tapestries, oil paintings, and decorative arts. Guests enjoy a walk around the sculpture-filled, formal French gardens and a visit to the chauffeur's garage, where antique cars are displayed.
The grand finale is Longwood Gardens. Pierre du Pont (1870–1954) bought the property in 1906 to preserve the trees, and he built the major garden features that today comprise the world's premier horticultural display. Eleven thousand different types of plants flourish on 1,077 acres of formal gardens, meadows, and woodlands. The four-acre Conservatory shelters twenty indoor gardens, including the Orchid Display, Indoor Children's Garden, Cascade Garden and Mediterranean Garden.
Complete the du Pont experience with Afternoon Tea at the Hotel du Pont. This 1913 hotel will take you back to a time of craftsmanship and courtesy, sophistication and style. Modeled after the great hotels of Europe, the Green Room at the Hotel du Pont is the perfect place to enjoy the ease and elegance of Afternoon Tea. Amid warm furnishings and signature artwork, Afternoon Tea is served starting at 3 pm seven days a week.
A Brandywine Christmas
During the holidays, the always alluring attractions of the Brandywine Valley become pure magic.
The Brandywine River Museum features an unparalleled collection of works by three generations of the Wyeth family. The museum celebrates the season with fabulous holiday displays, including an extensive O-gauge model railroad.
Yuletide at Winterthur will inspire and delight guests with its treasured traditions. Glimpse into activities such as the afternoon gift opening in the Marlboro Room, early evening caviar and cocktails, dinner in the glittering du Pont dining room, midnight card games, and dancing—all set against the backdrop of spectacular decorations and magnificent floral displays.
Herr's makes the holidays brighter! This free driving tour incorporates more than 180,000 gleaming lights, oversized falling snowflakes, delightfully hung Christmas balls, a nativity scene, and the famous 12-foot wreath and giant bow that adorn the snack factory warehouse. Delicious evening tours complete the experience.
A Longwood Christmas soars this season with our bird-inspired display. From trees adorned with nests and feathered friends, to topiary swans in our Exhibition Hall, to birdhouses, owls, and bald eagles decorating our tree houses, this holiday season flies high. Our Music Room depicts a festive Peacock Masquerade Ball, featuring elegant table settings and an 18-foot rotating tree. Stroll outside where colorful fountains dance, glimmering snowflakes hang overhead, and a half- million lights illuminate more of our outdoor gardens than ever before.
The area is sure to delight any holiday shopper! The King of Prussia Mall has more than 400 stores and many different restaurants. The Philadelphia Premium Outlets fill your bags with holiday gifts from 120 name brand stores at the region's newest discount shopping outlet. Discover the Brandywine Valley's historic Main Streets of West Chester, Kennett Square, Phoenixville and Oxford—home to dozens of outstanding restaurants, art galleries and retail shops.
Dining, Wineries and Relaxing Accommodations
From the refined elegance of restaurants such as Brandywine Prime, Dilworthtown Inn, The Farmhouse, and Talula's Table; to eclectic local favorites such as Hank's Place, Half Moon Saloon and The Whip Tavern, the Brandywine Valley can satisfy even the most discerning palate. For wine enthusiasts, a day on the Brandywine Wine Trail includes stops at regional wineries offering premium, award-winning wines.
Old-world elegance and sophisticated style thrive at the Hotel du Pont, located in the heart of downtown Wilmington, DE. Or experience one of the 28 beautifully restored rooms and spa at the Inn at Montchanin Village, consistently ranked as one of the world's best hotels by Travel and Leisure.
Contact Information
Brandywine Prime
1617 Baltimore Pike,
Chadds Ford, PA 19317
Brandywine River Museum
US Route 1,
Chadds Ford, PA 19317
Brandywine Valley Wine Trail
Chester County, Pennsylvania
Chanticleer Garden
786 Church Road,
Wayne, PA 19087
Dilworthtown Inn
1390 Old Wilmington Pike,
West Chester, PA 19382
The Farmhouse
514 McCue Road,
Avondale, PA 19311
Hagley Museum and Library
200 Hagley Road,
Wilmington, DE 19807
Half Moon Saloon
108 W. State Street
Kennett Square, PA 19348
Hank's Place
1410 Baltimore Pike
Chadds Ford, PA 19317
20 Herr Drive,
Nottingham, PA 19362
Hotel du Pont
11th and Market Street,
Wilmington, DE 19801
Inn at Montchanin Village
514 Montchanin Road,
Montchanin, DE 19807
Jenkins Arboretum
631 Berwyn Baptist Road,
Devon, PA 19333
King of Prussia Mall
160 N. Gulph Road,
King of Prussia, PA 19406
Longwood Gardens
US Route 1,
Kennett Square, PA 19348
Mt. Cuba
PO Box 3570,
Greenville, DE 19807
Nemours Mansion
850 Alpocas Drive,
Wilmington, DE 19803
Philadelphia Premium Outlets
18 W. Lightcap Road,
Limerick, PA 19464
Talula's Table
102 W. State Street,
Kennett Square, PA 19348
The Whip Tavern
1383 N. Chatham Road,
Coatesville, PA 19320
5105 Kennett Pike,
Winterthur, DE 19735


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Simba and Sheba
Active within 2664 Days
Hi! My name is Simba and Sheba
I am a Himalayan from Bucyrus, OH
Nicknames: Simba nickname is mustache . Sheba nickname is Sheba Girl.
Age: 11 years old
Gender: M
Coat: long haired
Education: not yet.
My favorite tricks and treats are: yes !! I hold my hand out and Sheba stands on her back feet to touch her nose on my hand.
Where I hang out: clothes baskets,are bed and on the back of the sofa.
My favorite grubs: Purina
My pet peeves: Being home alone.
What I love about my owners: My owner is the greatest. I don't want for anything. They love me and feed me well. and toys I have so many toys to play with. I wish ever cat had owners like mine.
My cat hobbies: We have hard wood floors.So they like to find the ball that makes the most nose to roll around the house. But that is ok.
Pet motto: Mom and dad loves me with all there hearts.
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