text:
Today's IT solutions are complex, and they are getting more challenging to implement all the time. One of the great questions for management at any company these days is simply whether all the investment in those systems is worth it. Internal auditing can play a critical role there, measuring and inspecting how the IT investment process—specifically, how IT investment is managed—works.
There are two distinct elements to most IT investment audits. They are the evaluation of:
(1) How that management process is "scoped out," designed, and implemented; and
(2) How that management process then operates, including an assessment of the business priorities currently being addressed.
An audit of IT investment management should identify whether the various management processes involved are operating well and what the key opportunities for improvement would be. The audit should evaluate whether management has an effective investment prioritization process in place, including the ongoing identification of changes in business priorities and new business opportunities. IT investment management also involves the evaluation of performance of IT initiatives, and the audit should assess the performance monitoring completed by management.
In general, an audit of investment management should let internal auditors provide an opinion on process effectiveness, an assessment of the organization's efforts to align IT with business priorities, and assurance to the board and management that the organization is working on the right projects.
Ten Questions to Answer
Audits of any IT system, and especially audits of how IT investment is working, will have many questions. Exactly which ones you'll need to answer and include in your audit planning will depend on your company's specific circumstances, but I've listed 10 of the most important ones below.
1. Are the organization's planning activities appropriate to its needs? The planning process should support management's awareness of, and response to, new and emerging business opportunities. The scope and formality of planning needs to be in line with the organization's needs and complexity.
2. Has an effective IT investment management process been developed and implemented? Every company needs a process to decide which initiative gets funding. Every company should also consider a balanced investment in operational, tactical, and strategic IT areas. Of course, the level of funding in each category will vary widely depending on the business environment a company faces and the strategic direction it is taking. But all of those areas should at least be considered, even if the dollars devoted to any specific one is zero.
3. Is accountability well established, and acknowledged by those to be held accountable? Management and staff need to know what they are responsible for. When it comes to management of IT investment management, we want to ensure that IT investments support the company's business and business efforts. This requires an investment decision-making process that is clear and relatively transparent. Identify the people at your company who participate in that process, and make sure they understand the consequences when the decisions they make produce bad results.
4. Are there appropriate systems, policies, procedures, and guidelines relating to IT Investment management? Describing how things get done is always beneficial. For something as important as, "Are we working on the right projects?" formal policies and procedures are worthwhile.
5. How successful is IT in meeting business needs? Assessing whether your company is effective overall is always challenging. Perhaps the best we can achieve is determining what the key opportunities for improvement are.
6. Do we need to increase the alignment of IT efforts and business efforts? If so, what else needs to be done? At the end of the day, a company and its IT department must do everything necessary to get a grip on the organization's IT investment priorities to ensure the company is focused on business priorities—rather than on IT systems.
7. Does management have a strategic IT plan that is updated regularly and supports the annual plans, budgets, and priorities of the various IT projects? Companies should define the long-term direction of their IT needs, and auditors should be able to see a rationalization of what the company's IT spending priorities are, and why. Ideally, an IT strategic plan would be developed and approved by the board, although the documentation may take many forms such as a separate IT plan combined with the organization's overall business plan, or a series of business case submissions over time. The auditor should look for a demonstration of an overall strategic planning process regarding IT investment and IT spending prioritization. Also remember that business planning should drive the IT priorities and IT investment decisions, which means both corporate management and IT management will need to be interviewed.
8. What level of investment in IT and IT security has occurred over the past two to three years, and what is planned for the next two to three years? In other words, are IT expenditures reasonable compared to the overall operating and capital budgets? While no specific level of investment in IT is deemed to be appropriate, the auditor should assess the reasonableness of the IT and security expenditures in relation to the overall capital and operating budgets. They should also review whether the expenditure trend line can be explained by the business and IT plans. Is there a process in place to manage the expenditures involved with IT and IT security?
9. Have performance indicators for the IT function and IT security been developed? Are those indicators periodically reported to the board? Auditors should know what major issues have been reported regarding IT and IT security. A healthy debate should exist at the board level when these issues are presented by management (and, yes, management should be presenting these issues to the board).
10. Does management monitor IT's performance, as well as its capability to continue providing the services upon which the organization relies? This question explores the monitoring of IT operations that management performs—and whether it is outsourced or managed internally, monitoring should be done. The formality of the monitoring can vary greatly, although outsourced arrangements probably need more monitoring, and so it should happen more frequently.
The bottom line is that management of IT investment must be integrated into the organization's ongoing strategic planning effort and ensure that IT efforts consistently contribute to the organization's priorities. Perhaps it's time executive management revisited how it defines IT investment priorities. An audit is a good place to start.


text:
Performing a display at the RNZAF 75th Anniversary airshow.
Passing Cape Colville enroute from Great Barrier Island to Ardmore in advance of some bad weather.
Taking off for a display at the Wings Over Wairarapa airshow.
Participating in the 2012 national aero club competitions held at North Shore aerodrome.
Visiting Ardmore for some maintenance work.
Taxiing at the rain affected 2012 aero club national competitions at North Shore airfield.
The Corsair taking off for its display at the Wings Over Wairarapa airshow - an awesome aircraft to watch.
Evening gathering of aircraft at Pauanui Beach. The grass on the left is the runway.
Taxiing back in after taking part in a formation display at the 2013 Wings Over Wairarapa airshow.
Recent addition to the RNZAF inventory. Seen at the Wings Over Wairarapa airshow.
Parked in the summer sun.

subset: commoncrawl


text:
Asset Allocation with Gold – The Global Asset (4:18)
Gold is more than a safe haven investment. More than a hedge against currency instability. APMEX CEO Michael Haynes explains Gold's as a universal asset with global demand. And with everything from debt to war hanging over global economies, demand could be strong for a long time.
ProductsSee All Videos
Silver Great Hammerhead Shark (1:25)
The Perth Mint continues its popular Shark Series by featuring one of the most recognizable creatures on the planet. Watch Video
Biblical Silver Coin Series (1:30)
APMEX is proud to introduce the first release in the Biblical Silver Coin Series from Scottsdale Mint. The 2 oz Silver Exodus coin is a strong statement for the 2015 six coin series. Watch Video
2015 Grey Wolf - Silver Product (1:29)
Although hunted to near extinction, the beloved Grey Wolf has made an extraordinary comeback in North America. And now this legend lives in Silver. Watch Video
How To VideosSee All Videos
APMEX Mobile Experience (1:20)
Recently, APMEX, Inc. launched a state-of-the-art mobile website, further improving user experience. Watch Video
Shopping on APMEX (3:49)
Here's how APMEX strives to make buying Precious Metals on the Internet as easy as buying anything else. Watch Video
Getting Started With Silver (3:47)
A lot of investors see Silver as an affordable alternative to Gold. But it is much more than that. Watch Video
APMEX In The NewsSee All Videos
Supply, Demand and Gold CNBC (6:45)
APMEX CEO Michael Haynes looks beyond supply and demand factors in the global Gold markets. Watch Video
The Gold Rush CNBC (4:28)
Recorded in 2011, Michael Haynes reveals some surprising facts about Gold in turbulent markets. Watch Video
Resilient Demand for Gold CNBC (6:04)
Gold demand rises as mainstream investors come to understand its role in a balanced portfolio. Watch Video


text: Posted January 29, 2011 Is there any way to accelerate my learning at this stage? One way you might do this is to tap into the bottomless reservoir of knowledge that is a certain segment of NYCB audiences. I have been helped considerably over the years by conversations with strangers sitting on either side of me, many of whom are only too happy to give pointers or to share their thoughts on a work. Ballet appreciation for a neophyte certainly can be enhanced by a little primer before the curtain goes up. In the 1980s, I had the good fortune of sitting regularly next to or near an elderly lady who understood ballet down to the core of her DNA and who had been a devotee of NYCB for many years (she would talk about Maria Tallchief, Arthur Mitchell and others). Once she realized I was a rank amateur (that took one second), she would explain steps and movements, and alternatively tell me what to watch for or quiz me afterward about what I had or hadn't seen. I know this is a bit of an extreme example, but one can learn a lot from even a casual conversation. So if the opportunity arises at a performance to talk to a knowledgeable audience member, you should take it--who knows, you might even be talking to someone from this board. Share this post Link to post


text:
A man and woman identified as the prime suspects in a Sunnyvale burglary were arrested Tuesday morning in Turlock by a California Highway Patrol officer.
The Turlock Police Department has arrested a local man on the suspicion he was the one responsible for an earlier reported bank robbery.
A 16-year-old boy is facing an attempted murder charge after pointing a gun at a man and pulling the trigger during a botched carjacking.
A Delhi man has been convicted on federal drug charges after authorities discovered his scheme to traffic methamphetamine in Hawaii.
A 44-year-old woman reported to the Turlock Police Department that she was snatched at knifepoint from Donnelly Park and sexually assaulted in a nearby alley by an unknown assailant Sunday.
The Turlock Police Department is seeking a man wanted for hitting another man with an axe handle.
The Turlock Police Department has taken a woman into custody on the allegations she injured an elderly woman during a robbery outside a Turlock restaurant.
The Turlock Police Department arrested two men on vandalism and drug possession charges after an officer saw one of the suspects spray painting a downtown building.
The Turlock Police Department is seeking the public's help in identifying the man who robbed a Turlock bank Thursday afternoon.
The arraignment for a Turlock man accused of sexually assaulting an employee at his Oakdale pizza restaurant was postponed because the Stanislaus County District Attorney's Office has not filed any criminal charges against him.
A Turlock man is facing charges of assault with a deadly weapon after using his car to hit a woman he was arguing with, the Turlock Police Department reported.
A drive-by shooting was reported late Friday evening.
The Turlock Police Department is investigating a robbery at a Turlock fast food restaurant that happened early Sunday.
A 36-year-old Turlock woman had her car impounded in Ceres over the weekend after she was seen driving recklessly down Hatch Road with three minors aboard.
The Turlock Police Department is asking for the public's help in finding a missing 10-year-old boy.
Page 38 of 138
The Turlock Police Department has taken a local man into custody on allegations he was trafficking in child pornography.
A Turlock man is prison bound after being found guilty of two felony driving under the influence charges.
Two men were arrested in Turlock on Thursday night on allegations they were impersonating police officers.
A man riding his bicycle early Saturday morning was shot by an unknown assailant in Turlock.
A Turlock man is facing several criminal charges after allegedly holding three people at gunpoint over an ongoing dispute.
Page 1 of 1
Contents of this site are © Copyright 2014 The Turlock Journal, CA. All rights reserved.
Privacy policy and Terms of service


text:
The handbooks below provide information on various topics pertaining to Federal employee pay, leave, and work schedules.
The Handbook on Workplace Flexibilities and Work-Life Programs for Elder Care focuses on workplace flexibilities and work-life programs available for an employee to use for elder care purposes.
The Handbook on Human Resources Flexibilities and Authorities in the Federal Government identifies the many human resources flexibilities and authorities currently available to Federal agencies.
The Handbook on Pay and Leave Benefits for Federal Employees Affected by Severe Weather Conditions or Other Emergency Situations summarizes the many pay and leave benefits available to assist Federal agencies and employees who must cope with severe weather conditions or other emergency situations and their aftermath.
The Washington, DC, Area Dismissal and Closure Procedures addresses situations that prevent significant numbers of DC area Federal employees from reporting to the office on time or remaining at the office for the full workday and for situations that require Federal offices to close to the public, including emergencies, severe weather conditions, natural disasters, and other incidents causing disruptions of Government operations.
The Handbook on Alternative Work Schedules provides a framework for Federal agencies to consult in establishing alternative work schedules and to provide additional information to assist agencies in administering such programs.
The Handbook on Leave and Workplace Flexibilities for Childbirth, Adoption, and Foster Care focuses on leave and workplace flexibilities available for an employee to use for childbirth, adoption, or foster care purposes, including options for time off for pregnancy-related medical issues, for care of a family member who is pregnant or recovering from childbirth, or for care of a newborn or a newly-placed adoptive or foster child.


text:
Brilliant Lecture Series
Rating: 3.31 stars 13 13 reviews
2400 Augusta #245 Scott Brogan Houston TX 77057 USA
The mission of The Brilliant Lecture Series - Conversations with Brilliance is to education, inspire, and increase public awareness within our community by providing a forum for interaction with national and international leaders, role models, philanthropists, artists, humanitarians and other prominent members of our society.
Brought edvin marton, betty buckley, robert duval, diane keaton, bette midler, and marcus lutrell to houston with approximately 13,425 people in attendance. There was also 9 shows of potted potter and 1 michael jackson tribute performance.
Filter Reviews by Role
Promote This Nonprofit
GreatNonprofits badges allow you to raise awareness of your favorite nonprofits on your own web sites!
MRichard's Review for Brilliant Lecture Series
1 person found this review helpful
I've attended many events that the Brilliant Lecture Series has hosted. I am always surprised at each event I attend and will continue to support the Brilliant Lecture Series. I must admit, I was a bit skeptical of the quality of the program when Stephen Hawking became "too ill to travel" but I can honestly say that Stephen Hawking was one of my favorite programs. Truly inspiring organization.
More Feedback
If I had to make changes to this organization, I would...
highlight more of its community support. I was surprised to hear of the different outreach programs they provide with schools, and I'm sure more people would be surprised to see the impact they have on schools.
How would you describe the help you got from this organization?
A lot
How likely are you to recommend this organization to a friend?
How do you feel you were treated by this organization?
Quite well
When was your last experience with this nonprofit?


text:
Do you find yourself stuck for ideas in providing the perfect promotional giveaway to employees and clientele? With our limitless array of items, ePromos helps make the search loads easier. Every product on our site can be custom imprinted or personalized! Connect with us through phone, email, or chat to get started on your unique design for your department store. Whether you're in need of swag to sponsor your company's loyalty program, fun promotional giveaways to market your brand, or gifts to congratulate a job well done, our branded items serve any occasion.
A comfortable folding custom chair with a carrying case available in a variety of colors and with a weight limit of 300 lbs.
This Solar Ice solar powered custom watch that's powered by indoor or outdoor light will never leave you guessing what time it is.
Great for traveling! The Pack-n-Go custom jacket is made of super soft material and feather light Softex polyester.
These promotional gift sets will be the must have you take with you when you leave home or the office. Packed inside a travel case to keep everything together.
These promotional gift sets will be a technology lover's dream! The included car charger, power bank, cell phone wallet, cleaning cloth, stylus pen, earbuds, and tablet stand are all printed with your logo.
Bundle up your giveaways or promotions with a two-tone knit custom scarf that features your embroidered company logo for a great winter gift!
These frost finished hot/cold custom tumblers will be received warmly when they're added to your giveaways!
Comfortable and convenient, this mesh and nylon folding logo chair can hold up to 300 lbs.
Comfortable custom throw blanket made of anti-pill fleece.
Now you can take your snack and beverages conveniently in one hand with these creative custom tumblers.
A promotional cooler chair that can be used as a comfortable seat and keep your beverages cold.
Perfect promotional blanket for summer fun on the beach or in the woods. The easy-fold design allows you to pack up and go or store conveniently in your home, office or car.
Your company logo can go anywhere with this foldable chair!
This promotional pen & pencil set has a classic design and is a definite eye-catcher.
Keep warm while promoting your logo with this Promotional Gift Set that includes scarf, gloves, and cap.
This custom umbrella will make your logo shine bright on those rainy days with a unique square design and 5 fabulous color choices.
A custom speaker and stylus gift set is the perfect item for people on the go.
Neoskin leatherette promotional journal similar to the moleskin journals made popular by various retail chains such as Barnes & Noble.


text:
Luke Rudkowski and Dan Dicks are in Copenhagen, and before the commencement of the Bilderberg conference in the conference hotel tried scout the location.
When they took a drink in the bar of the Marriott hotel, they saw a group of women whose members occurred known to them by other meetings.
It was members of the Secretariat, so the ladies who mount the Bilderberg Conference.
Parsifal, May 29, 2014
Luke and Dan went up to the Ladies, started a conversation.
The question of whether they were of Bilderberg, was vehemently rejected and the ladies thought it was about a birthday party.
Yes exactly, namely on May 29 Bilderberg to celebrate the 60th anniversary of the first meeting in 1954 at the Hotel Bilderberg in Holland, which is how the group is named.
Or because Henry Kissinger who celebrated his 91st birthday on May 27 and also comes to Copenhagen.
Then Luke and Dan were detained by security personnel of the hotel and called the police.
The cameras were taken them away and arrested for suspicion of drug possession.
Here are the recordings which originated there:
Wow, that was a bit on the scary side. I'm glad they were released.


text:
Top Definition
to give in to one's sexual urges in a quick manner; usually referring to females
dang i was with abby for 10 mintes when she was ready to give it up!
di the give it upper 02 marzo 2004
Trending Now
Can you define these popular missing words?
to cheer for someone, or what they bring to the game
Give it up to your dj on the 1-2s keepin it crunk for the party
di DJ Kayla 29 febbraio 2004
A request for praise which can be issued either by the recieving party or a third party.
Give it up for my man DJ Mike!
di Majik Fox 28 febbraio 2004
Have sex
Man, she finally gave it up last night
di Lucky Charms 29 febbraio 2004
To cease efforts now otherwise pointless
"Just give it up man, she's not interested in you."
"You'd better give it up, unless you're rollin' for a bitch-slap."
"You'd better give it up, unless you're rollin' for a bitch-slap."
di Krispy 29 febbraio 2004
give sex to
You're not getting your money till you give it up.
di Anonymous 16 giugno 2002
to give in to temptation
"Yo mane, that hizzo is expecting some chedda if she be givin it up
di MC Rizzle 03 marzo 2004


text:
The good ...
Better safe than sorry: Amarillo Mayor Debra McCartt signed off on a disaster declaration last week as most of the Gulf Coast region prepared for the onslaught of Hurricane Ike. Before Ike arrived, there were reports of as many as 1,000 evacuees possibly headed for Amarillo. The city answered the call, sitting up cots and other services at the Amarillo Civic Center. There were reports later in the week that Amarillo would not be receiving a high number of evacuees, but with Mother Nature, you never know. Amarillo was ready - just in case.
the bad ...
Total recall: Let's hope that California is really not the trendsetter for the rest of the nation. There are rumblings in Cali to recall Republican Gov. Arnold Schwarzenegger, who went from movie star to governor thanks to a recall effort of his own five years ago. The state prison guards union has taken formal steps to begin a recall campaign against the Terminator, who has been unable to reform state government as he promised. Remember how Cali's last recall was a circus, with porn stars to former child stars trying to get on the ballot. California can keep such a sideshow all to itself.
and the ugly.
Speed trap: Santa Fe, N.M., is the second city in the state to implement a red-light camera system to nab traffic light runners. However, as in the case in Texas, the state will more than likely get its cut. It is estimated the red-light camera system will generate $1.1 million annually in fines. Albuquerque, which also has a red-light camera system, forks over a portion of its fines to the state. Amarillo also uses a red-light camera system and pays a chunk to the state. New Mexico can only take red-light camera revenue from cities with populations greater than 200,000. Santa Fe's population is close to 65,000. Watch that law get the green light for change.
© 2016. All Rights Reserved. | Contact Us


text:
Top Definition
a female who has been generously whipped with the ugly stick.
Fuck! Look at that trogladite!
dodane przez sam spiller październik 09, 2003
Trending Now
Can you define these popular missing words?
A mutant creature so vile, its very presence causes famine, slavery and apartheid. Extreme cases result in genocide.
Jenny was the trogladite at Dave's party. Nine months after the party, Hitler was born.
dodane przez Concerned Males Everywhere styczeń 09, 2011
From the prehistoric insects that lived in caves, troglodite is someone who is "out of it," or not "up" on pop culture.
He's such a trogladite; he hasn't even seen the Pamela Anderson and Tommy Lee sex video.
dodane przez Collectiboy styczeń 13, 2006
A family of trailerpark imbred trogs welfare recipients, who typically live with their children. Fat woman and skinny man, usually drunk, who give a new meaning to the phrase "bottomfeeder". Typically have Summer Teeth, some'er here, some'er there.
Hey Brian, did you just see the family of Trogladites man they could eat corn thtough a pickett fence.
dodane przez brian sierpień 06, 2005
Lazy and gross person, who is also a total douche.
Lazy and gross person, who is also a total douche.
Stop eating Cheetos, turn off Jersey Shore, put on a shirt, and get your ass off the couch you trogladite!
I was planning on studying for finals, but instead I'm being a trogladite.
I was planning on studying for finals, but instead I'm being a trogladite.
dodane przez BearOnAUnicylce1922 marzec 18, 2016
The only known species capable of withstanding the stench of the cropolyte, especially when engaging in coitus.
Damn Laura better start looking for a trogladite or else her species dies with her
dodane przez JohnnyHR lipiec 10, 2006


text:
AMC renews 'Mad Men' for 2 more seasons with Matt Weiner still in charge
So remember when I said the other day that all this drama about the "Mad Men" renewal negotiations between AMC, Lionsgate and Matt Weiner would only worry me once a deal officially was or wasn't closed, and that everything else was just negotiating through the media? Well, the deal has been closed, and it sounds like there's not a ton to worry about in the short term, at the very least.
Weiner has signed a deal for two more seasons, which would be the show's fifth and sixth, and has extended his deal with the Lionsgate studio, so that if AMC decides they want a seventh season, Weiner will be the one running it.
As for the various contentious issues (which I discussed on Tuesday night), here's what I've been told from a source close to the show:
There is no specific mandate to eliminate castmembers. The budget will be unchanged for season 5, and "everyone's back for season 5," according to my source.
There will, however, be "a one-time budget reduction for season 6, and how that's getting managed is up to Matt." So if he can find a way to keep all his actors and cut costs for season 6 (and the hypothetical season 7) another way, he could do that. (UPDATE: I'm now told that even the season 6 budget reduction was something talked about throughout negotiations, but that ultimately isn't happening. If there's attrition in the cast between seasons, it'll be because Weiner has a story reason for it, as he did with not bringing Michael Gladis and Bryan Batt back for season 4, but the budget won't be appreciably different for season 6.)
In terms of the request for an additional 2 minutes of ad time, that's happening - sort of. The season premieres and finales will continue to be 47 minutes. As for the 11 episodes in between, Weiner's been given the option to deliver episodes to AMC in both a 45 and 47-minute version. The 45-minute version is what's going to air first on AMC, but the 47-minute version will be available on "multiple platforms" - presumably iTunes, DVD and - I'm just speculating here - maybe even the On Demand version. (UPDATE: A few stories have said that the 47-minute version will be available "digitally" 8 days later.)
My source says there was never a request for more product integration, as that's been a part of the show from the start, going back to memorable examples like Kodak in season 1 and Heineken in season 2. The deal instead is about more transparency about the product integration - so that the sponsors can say, "Hey, we got our product featured on 'Mad Men.'" "Everything will continue to be organic to the storylines," my source insisted.
So that's that. "Mad Men" is coming back (sometime in early 2012, still). Matt Weiner will still be running things, etc. "Mad Men" is "Mad Men" with that man at the helm, and if he can live with the deal, then I can, too.


text:
Choose login method to My pages
Since the radio and TV fee is fixed by law and the same for everyone, we do not have the possibility of offering any rebates. So there are no student discount.
If you move to study at a university or college, you are usually required to be nationally registered in the municipality where you are studying. Where one is required to be nationally registered is steered by Folkbokföringslagen (the Swedish Population Registration Act, SFS1991:481).
Students who have a TV receiver and are registered in the municipality where they are studying are required to pay their own radio and TV fee (even if you are subletting a flat). Students under 18 and are attending upper secondary school (gymnasiet), are considered as living at home as a part of their parents'/legal guardians' household, even if they are studying elsewhere.
To learn more about the regulations of national registration, you can download a PDF from Skatteverket (the Swedish Naional Tax Agency).
If a company has a boarding house/students' hostel, such as a student corridor, and the company has provided a TV receiver in a common assembly rum, it is the company who is required to pay the radio and TV fee for this TV receiver.
Open weekdays 9.00 to 17.00
Tel. switchboard: 0980-750 00Fax: 0980-751 90You can also use our contact form or log on to our e-service My pages
Några av Sveriges mest spännande forskare svarar på frågor om allt mellan himmel och jord.
Johanna och Steven har hittat sin drömlägenhet i Malmö. Men när de hämtar nycklarna får de en chock.
My life my lesson – en Kristallenbelönad dokumentär om 16-åriga Felicia.
Job openings at Radiotjänst. Is there something that suits you?
Public service leaflet with information from Radiotjänst, SVT, SR and UR. (pdf)
© 2016 Radiotjänst i Kiruna AB


text:
You may also like
Ratings for Dr. Tyrone L. Hardy
I have heard so many terrible stories about this guy. In my opinion, black doctors are the worst doctors because affirmative action ensures that unqualified applicants are admitted into medical school. From what I have heard, Tyrone's GPA was below 3.0 during his undergrad years, which leads me to believe that he simply isn't very smart. In my opinion, he is unworthy of his "doctor" title. I would never let someone like this operate on me.
This surgeon, Dr. Tyrone Hardy, unfortunately made a grave error during a cervical spinal surgical procedure he performed on me in 2005. Right after he realized his mistake, he immediately "dropped" me and refused to even talk to me. When he operated on my cervical spine, he cut far to deeply and extensively, making a posterior incision many times greater than he should have. During this botched up procedure he cut deeply into muscles and nerves, causing me irrepairable harm. In 2008, after years of severe ongoing cervical upper back pain, I had a highly respected group of orthopedic surgeons review my MRI's and accompanying written medical reports relating to my pre-surgery, and post-surgery MRI films and medical findings reports. This group of well known orthopedic surgeons all agreed that Dr. Tyrone Hardy caused me irrepairable damage to extensive areas of my spine. This rendered me permanently disabled, and living with ongoing chronic severe back pain.
Very conservative and thorough!! Definitely recommend!!!
Dr. Tyrone L. Hardy's Credentials
Facility Affiliations
Accepting New Patients
- Howard University College Of Medicine (Grad. 1971)
Other Specialties
Areas of Expertise
Awards & Recognitions
Publications & Research
Insurance accepted by this Doctor
Top Hospitals in La Mesa, CA
Top Urgent Care Centers in La Mesa, CA
Find a Doctor by Specialty
- Ear Nose and Throat (ENT) Doctor
- Emergency Room Doctor
- Endocrinologist
- Endodontist (root canal)
- Family Doctor / G.P.
- Gastroenterologist
- Geneticist
- Gynecologist (OBGYN)
- Infectious Disease Specialist
- Internist / Geriatrician
- Massage Therapist (registered or licensed)
- Midwife
- Naturopath
- View all Specialties >
Featured News
You may also like
Top Neurosurgeons
#1 of 2
#2 of 2


text:
Welcome to the Colorado Miniatures Website!
Our mission is to provide only the very best figure kits and figure modelling supplies to the Wargamer, Scale Modeller, and Historical Miniaturist. Illustrated below are some examples of the products that we carry.
Before submitting an order, please read the important information found on Help: Checkout
March 2, 2015
The SSL certificate used during checkout has been switched over to the default certificate available from Network Solutions, which provides the e-commerce software for this website. During the secure checkout process, the URL domain name in your browser will change to netsolstores.com as a result of the switch in SSL certificates, but otherwise everything else is the same as it was when this site used a personalized SSL certificate. It just didn't make economic sense to spend to renew that certificate while Colorado Miniatures is in the process of selling off remaining inventory and shutting down.
February 2, 2015
Colorado Miniatures is going out of business. All remaining inventory is on sale at 20% off and the website listings are being updated each evening to reflect remaining inventory. There are still many good deals remaining. First come, first served.


text:
Developers: West Palm Beach "Chapel" condo to be called "The Bristol"
"The Bristol" is the name for the condominium planned for the waterfront "Chapel by the Lake" site, a spokesman for developers Flagler Investors LLC said Friday.
10:09 am Jan. 9, 2015
"The Bristol" is the name for the condominium planned for the waterfront "Chapel by the Lake" site, a spokesman for developers Flagler Investors LLC said Friday.
9:41 am Jan. 6, 2015
Lawyers for a group challenging the West Palm Beach City Commission's approval of the condominium at the"chapel by the lake" site asked a judge Tuesday to put their lawsuit on hold while developers and …
6:03 pm Dec. 22, 2014
A judge's panel has ruled the condominium planned for the
West Palm Beach "Chapel by the Lake" waterfront site must return to the city for approval again.
Here's what the judges heard earlier this month.
Below is a statement made late this afternoon by the developers.
For more details on this story, go later to mypalmbeachpost.com
The Appellate Division of the Palm …
10:23 am Dec. 18, 2014
The lawyers involved in the legal fight over the condo now under construction at West Palm Beach's "chapel by the lake" condo were back in court Thursday on a motion that might well be moot.
The group Citizens for …
12:25 pm Dec. 12, 2014
With a "who's who" of lawyers, city staff, developers and residents in attendance, a rare 3-judge panel convened at noon Friday in Palm Beach County Circuit Court to hear arguments from a group claiming the city of …
12:58 pm Oct. 24, 2014
Developers of the proposed hotel at Palm Harbor Marina have asked a judge to let them intervene in a lawsuit filed by the association of the neighboring Waterview Towers condominium against the city of West Palm Beach.
Joseph Ianno, attorney for Palm Harbor, filed the motion Tuesday in Palm Beach County Circuit Court, arguing that the hotel should have a place at the table "due to the direct and immediate impact …
12:10 pm Oct. 8, 2014
Mayor Jeri Muoio said Wednesday she's not worried about all the lawsuits challenging decisions by the West Palm Beach City Commission on controversial developments.
Muoio said in her weekly news briefing that she's convinced the city …
11:49 am Oct. 2, 2014
Palm Beach County Circuit Court Judge Catherine M. Brunson has set trial for January 2015, and has ordered mediation, in the legal challenge by Citizens for Thoughtful Growth to the condominium at the waterfront "Chapel by the Lake" site.
Citizens, a neighborhood group, is asking courts to declare that the city of West Palm Beach broke its own rules in January …
9:18 am Sep. 23, 2014
Palm Beach County Circuit Judge Gregory M. Keyser heard arguments Tuesday morning, but didn't rule, in a move to toss a countersuit by the developers of the high-rise condominium at the West Palm Beach waterfront "chapel-by-the-lake" site.
Citizens for Thoughtful Growth, a neighborhood group, says the city broke its own rules in January when it approved the project.
G.A.K. Partners, the developer, later sued Citizens, arguing the group's legal moves constituted "tortuous interference …
1:55 pm Sep. 4, 2014
The city of West Palm Beach has told a judge it's ready to set a trial date in the legal challenge by a group hoping to block construction of the luxury high-rise condominium at the waterfront "Chapel-by-the-Lake" site.
This action comes even as developers last week began razing the chapel prior to commencing construction. Proponents have called the planned condo an attractive addition to the waterfront, while some residents decried it as …
Need a Profile? Register Now.{* #userInformationForm *}
Need a Profile? Register Now.{* #userInformationForm *}
Need a Profile? Register Now.{* #userInformationForm *}
We have sent you a verification email. Please check your email and click on the link to activate your profile.
If you do not receive the verification message within a few minutes of signing up, please check your Spam or Junk folder.Close
We look forward to seeing you on [website] frequently. Visit us and sign in to update your profile, receive the latest news and keep up to date with mobile alerts.
Click here to return to the page you were visiting.
Don't worry, it happens. We'll send you a link to create a new password.{* #forgotPasswordForm *} {* forgotPassword_emailAddress *} {* forgotPassword_sendButton *} {* /forgotPasswordForm *}
We have sent you an email with a link to change your password.Close
Click submit to receive another verification email{* #resendVerificationForm *} {* traditionalSignIn_emailAddress *}
Check your email for a verification link


text:
When Leily Omoumi, a gold analyst with Scotiabank in Toronto, turns her engineer's eye on a mining company, she can translate insight into profits for investors. The Gold Report caught up with Omoumi at the Denver Gold Forum for this exclusive interview, in which she discusses misunderstandings about Eastern European and West African mining companies and identifies opportunities in Canada.
The Gold Report: Leily, you are with Scotiabank in Toronto, but you're not originally from that area. Tell us about yourself.
Leily Omoumi: I've been living in Toronto for many years. I earned a degree in mechanical engineering from the University of Toronto and worked as an engineer for Hatch Ltd. for about four years. Following that, I earned a master's degree in business administration at Rotman School of Management. I started working at Scotia immediately after. I have been covering gold stocks for a few years now.
I cover gold stocks and one palladium name: North American Palladium Ltd. (NYSEMKT:PAL).
TGR: There has been resurgence in the price of gold, which is now at more than $1,700/ounce [oz]. While the price of gold has held up during the past several months, gold equities have languished through the summer. But equity prices have been rebounding in the last several weeks. What are your thoughts on that climb?
LO: You are quite right: Even though the price of gold has held up, a lot of equities suffered earlier in the year. Capital blowup, cost escalation and inflation have hit several stocks. Many companies suffered as investors lost confidence in where costs were trending and development projects progressing.
There has been a nice push to the gold price in the past couple of weeks. Some of the losses have been made up and the market is getting to levels similar to last year's, before stocks really went down.
TGR: We are at the Denver Gold Forum, a great venue for a gathering of institutions, analysts and public companies. It feels like there is a little bit of optimism in the crowd. What do you think?
LO: I agree. Investors have been sitting on the sidelines for quite a while and they're starting to step back in. In April, at the European Gold Forum in Zurich, the mood was very different-more negative. People were watching from the sidelines and waiting to make a move. Investors have more optimism now. They are ready to step into names, primarily those that have free cash flow and are in production or are close to production.
But many pre-producers continue to be punished because of financing risk. Although the markets are doing better, confidence is not fully back. Even companies that have released decent feasibility or prefeasibility studies have not seen moves in their stock prices because of the financing risk. Companies frequently have initial capital requirements that are larger than the market cap of the company. It can take a long time for a company to finance a project in a scenario like that. Unfortunately in some cases, dilution becomes a significant factor.
Pre-producers have to wait for the right opportunity to raise money. They must do it in tranches, which can be a long process. They have a long road ahead.
TGR: Unfortunately, a lot of those companies already have somewhat blown-out stock structures, which further discourage them from doing equity financings because they don't want to dilute shareholders any further. They have to look at royalties and large debt financings. We are seeing a lot of creative financings, but we are also seeing some preproduction and development stories that are spectacular values for large caps. Do you agree?
LO: Yes. Large-cap companies are moving ahead very cautiously, however. They are being scrutinized by investors, too, so they are very careful about the investments they make. I agree that there is great value. The market just needs confidence. A couple of good merger-and-acquisition deals could potentially bring confidence back and encourage others to step in. There are a lot of good names out there.
One development story that I like is Rainy River Resources Ltd. (OTC:RRFFF).
TGR: Tell us about Rainy River in Ontario.
LO: Rainy River is in a mining-friendly jurisdiction that is familiar to investors. What I like about the Rainy River deposit is that it contains approximately 8 million ounces [Moz] of Measured, Indicated and Inferred resources. It has a lot of optionality; the company proved that with its updated PEA, which came out in late August. It initially expected to have a much larger operation, with about 32,000 tons per day [Kt/day]. Rainy River has since reduced the scale of the operation because of capital constraints. It is starting with a smaller operation, at 20 Kt/day.
The company has been able to push a lot of the higher-grade ore ahead for the earlier years of production. That helps with the internal rate of return on the project. It now expects to process an average grade of 1.38 grams/ton [g/t] in the first five years, compared to previous numbers of about 1 g/t. Over the first 10 years of operation grades are expected to average 1.45 g/t-this includes underground.
TGR: Does Rainy River have a lot of exploration potential? Is there still a lot of blue sky?
LO: Absolutely. It has district potential and there are a lot of targets that the company is still looking at. The underground potential is underexplored in my opinion, and the company is still drilling. Although there is an underground portion in the updated PEA, there is a lot more work to be done.
Aside from that, the company is looking at regional targets. There is potential for other metals as well. For example, it is looking at some nickel bearing targets to the south of the current deposit. However, that's down the road and is not something the company is counting on right now. But blue sky is certainly there.
TGR: This seems like a potential acquisition candidate based on its jurisdiction and improved grade.
LO: Given its jurisdiction, the scale of the project, with life-of-mine production at more than 200 Koz, it could definitely move the needle for midsize to larger companies. If a major were to look at Rainy River, it would probably build the project differently. It might start with a larger scale right off the bat and increase production levels. A midtier company would potentially look at the project as outlined in the updated PEA, which is a smaller scale.
Nonetheless, it's the type of project that can move the needle. It is in Ontario. It's not expected to have permitting issues. There is exploration potential. It's a good project all around.
TGR: Let's move on to a producer that may not be on the radar of some investors, Dundee Precious Metals (OTCPK:DPMLF). Tell us about Dundee and why you like the story.
LO: I like Dundee Precious Metals because it has production growth, it's a low-cost producer and it has a pipeline of projects. Its largest operation is the Chelopech underground mine in Bulgaria. The company is currently expanding underground operations and we should see a step change in production next year. I expect production-company-wide-to increase by about 20% in 2013 to over 170 Koz. I expect cash costs to be below $450/oz this year and next. What makes this story a little different is that the company also owns a smelter in Namibia, where the gold-copper concentrate from Chelopech is processed.
TGR: How does Dundee get the material from Bulgaria to Namibia?
LO: The concentrate is transported to Bourgas, Bulgaria's largest port on the Black Sea, for sea shipment to Namibia. It is then transported by rail to the smelter from the Atlantic port of Walvis Bay. Tsumeb is one of only a few smelters in the world capable of treating arsenic bearing concentrates such as the one produced at Chelopech. It is a long way to go but when it comes down to it, Dundee is a company that is making money.
Its development project in Bulgaria, Krumovgrad, is going through the permitting stages right now. We expect that to be in production in 2016.
TGR: We have talked about the cautious optimism among institutions that might jump into mining equities or add them to their portfolios. Do you have any thoughts about what you see happening as we go into the fourth quarter of 2012?
LO: I think optimism is starting to come back, but it is going to take a while. Third-quarter [Q3/12] financial results should be decent. However, I cover some West African names, and Q3/12 could be relatively weak for some of those companies because of heavy rains that the region has been experiencing.
Going forward, a lot of the midtier and large-cap producers are expected to have a good Q4/12. Many have had heavy backend-loaded years. The combination of optimism in the market, the stronger gold price and better results toward the end of the year is going to have an overall positive impact on the market and the inflow of funds to the sector.
TGR: Some North American investors don't understand the potential in West Africa. Do you feel like West Africa-Côte d'Ivoire, Burkina Faso, Ghana-represents an opportunity in terms of mineral wealth and share price appreciation for juniors that are developing projects or producing there? Is it a misunderstood jurisdiction?
LO: There is significant mineral potential in that part of the world. However, in certain countries, there are higher-than-average cash costs due to limitations with infrastructure and power costs. Political risk in some regions is the other issue to consider. There have been a number of blowups in West Africa politically, including in Mali and Côte d'Ivoire. That has drained some confidence and I don't see that changing quickly going forward. Companies with a lower risk profile in North America and parts of South America, and companies with access to good infrastructure and lower power costs, will trade at a higher premium, in my opinion.
TGR: Are the political risks in West Africa higher than the risks in, for instance, regions surrounding Armenia or Bulgaria?
LO: It is hard to generalize, because you have to look country by country. I think the perceived risk in West Africa is a little overblown. Companies even in Bulgaria have had permitting issues in the past. However, Bulgaria is pretty stable politically and has excellent infrastructure. I wouldn't necessarily compare Bulgaria to countries in West Africa. Ghana is an exception. It is a very stable country with a very established mining industry.
TGR: Do you think West African countries get too much of a discount sometimes?
LO: I don't necessarily disagree with that statement. Some investors are not familiar with countries in West Africa. They tend to put all of them in one basket. If something happens in Mali, shares of a company with an asset in Burkina Faso also fall-when there is really no relation or connection. In general, European investors are probably a little bit more in tune with what is going on in Africa.
TGR: Thank you, Leily.
LO: Thank you.
Leily Omoumi, a gold analyst with Scotiabank in Toronto, holds a degree in mechanical engineering from University of Toronto and a Master of Business Administration degree from the Rotman School of Management.
1) Sally Lowder of The Gold Report conducted this interview. She personally and/or her family own shares of the following companies mentioned in this interview: None.
2) The following companies mentioned in the interview are sponsors of The Gold Report: None. Streetwise Reports does not accept stock in exchange for services. Interviews are edited for clarity.
3) Leily Omoumi: I personally and/or my family own shares of the following companies mentioned in this interview: None. I personally and/or my family am paid by the following companies mentioned in this interview: None. I was not paid by Streetwise Reports for participating in this interview.
Disclosure: I have no positions in any stocks mentioned, and no plans to initiate any positions within the next 72 hours. I wrote this article myself, and it expresses my own opinions. I am not receiving compensation for it. I have no business relationship with any company whose stock is mentioned in this article.


text:
After a season of disappointing ad revenue, the further loss of viewers (and prestige) to cable networks, the end of popular series like "Lost" and "24" and the Jay Leno disaster at NBC, the broadcast networks are going back to an expensive drawing board.
For comparison, we've also provided information on stock performance over the past year, although for some of these CEOs, their first day on the job was sometime mid-year 2009.
"This is the dumbest idea I ever heard, and it doesn't belong on CBS," said C.E.O., Leslie Moonves.
What a difference a year makes." That's how Sumner Redstone, chairman of CBS kicked off the company's first quarter earnings call.
What follows is a roundup of corporate earnings reports for Wednesday, May 5.
Stocks pared their losses on Wednesday after a weak open, but the market remained skittish after Moody's put Portugal's debt rating on review. Dan Denbow, co-portfolio manager of USAA Precious Metals & Minerals Fund and Jim Meyer, chief investment officer and co-founder of Tower Bridge Advisors shared their insights.
CNN and CBS, two suitors with a long history of courtship, have engaged in direct talks in recent weeks about more extensive combinations of their news resources, according to several executives who have been briefed on the discussions. The NYT reports.
Markets could see a correction in the June to July time frame, said Tobias Levkovich, chief U.S. equity strategist at Citi. He shared his market outlook with investors.
The networks consider this a crucial month not just for Sweeps, but because it's a crucial time to snag eyeballs and ad dollars as the season wraps up, before TV viewing drops during the summer.
The media industry may be going through some rough times, with the landscape changing day to day, but at least one aspect is business as usual: big paydays for the people at the top. The NYT explains.
The NCAA's Board of Directors has approved the new 68-team men's basketball tournament that will begin next season.
Better subscriber numbers, higher revenue per subscriber, and higher advertising helped Comcast beat Wall Street expectations.
Take our tax evasion quiz to find out about the evaders and scammers who thought they could fool the IRS and get away with it.
Premium cable channel Epix has finally signed its first national distribution deal—to Dish Network's 14 million satellite TV customers.
With the Upfront ad sales period — a bastion of Madison Avenue — a month away, a number of green shoots are emerging from the advertising sector.
Take our tax evasion quiz to find out about the evaders and scammers who thought they could fool the IRS and get away with it.
There's little doubt that this week's Masters in Augusta, Ga., will be the most-watched golf tournament of all-time.
As Comcast awaits approval of its acquisition of NBC, the affiliates of rival stations are anxious to ensure that this mega-deal doesn't put them at a disadvantage to NBC. Earlier this week ABC, CBS and Fox affiliates sent a letter to Comcast, asking to set a meeting.
At the 7th annual Montgomery Tech conference there's a lot of talk about which company might be "the next Google."
How much do you know about one of the biggest business scandals of all time? Take our Enron quiz and find out.


text:
Future Final Fantasy Titles Will be Made More Quickly, Square Says
With FFXIII setting the foundation, Square Enix intends to reduce the time between installments.
When Final Fantasy XIII hits stores in the U.S. next year, it will have been four years since the release of Final Fantasy XII. That's a long time in an industry that makes a habit of yearly franchise installments, but Square Enix producers Yoshi Kitase and Motomu Toriyama have told VG247 that the turnover will be a little quicker once FFXIII is complete.
"For FFXIII there are a lot of firsts, and because it's a new console that the teams are working on, it took a little time for the team to get used to everything," said Kitase and Toriyama through a translator. "Now that they have the engine built for it the basics are covered, so the development time for future projects should be shortened."
So in other words, it'll probably only take three years between installments instead of four. Incremental improvements, right?
Still, it looks like Square Enix is indeed serious about attaining a quicker turnover, as they've previously stated the development of Final Fantasy Versus XIII is already going
"comparatively faster" than that of XIII.
See Also
Final Fantasy XIII Villain Looks A Lot Like A Blonde Sarah Palin
Comments (24)
final fantasy's related?Posted: Sep 07, 2009 12:00AM PST by umcharliex
@catgirl You are dead on about everything, although you could say that FFX's spheres are like crystals or the equivalent of them in previous FF's . here is what like to see in future FF's no matter how long it takes to make.
1. traditional battle system with control of the whole party, a little extra user input for extra damage or limit breaks is fine. the FFXII experiment was fine but not really engaging
2. A well written story including character development.
3. Fully explorable world map with airships, chocobos etc. (something that the PS2 final fantasys lacked. )
Connectedness of FF'sPosted: Sep 07, 2009 12:00AM PST by catgirl147
@Snoozey: Hmmm so this is an interesting question- whether or not all the FF's are related in some way. True FFVII had a prequel starring Zack Fair (Crisis Core), and of course 2ish sequels (Advents Children and you could also sort of call Dirge of Cerberus a sequel too) and FFX-2 was the true sequel of FFX, but it is true that most FF games are related by a somewhat consistent mythology... The Crystals. Sometimes the crystals take on a different form or are somewhat 'hidden' but there are almost always references to them in most of the numbered Final Fantasies- see if you can find the references I'm talking about, sometimes they sort of change names but you can tell that these items are just a substitute for the crystals... in particular, Materia from FFVII comes to mind, condensed Mako energy in a crystalline form, and the Black/White materia sort of signify the 'most powerful' crystals, similar to the crystals in FFIV (Fire, water, etc). Of course, each game has its separate theme as well, but the crystals appear to tie the games together on some level... (Edit: I also forgot about FFIV The After Year, which is of course a direct sequel to FFIV...)
FFXIII and Versus XIII and Agito are all said to carry on this mythology, focusing even more then past games on the crystals (off the top of my head I can't really think of anything in FFX that would be analogous to the crystals... so FFXIII and it's ilk are trying to bring back the themes that were so prevalent in earlier games of the series). But anyways, hope this sort of answers your question although its a little bit vague, I know I have to go back and replay some of the FF's in order to see some of the links to the crystal mythology and such (especially considering I haven't even finished FFVIII yet, argh!)
TenAkumaPosted: Sep 07, 2009 12:00AM PST by earlgreyteahot
While I agree about the Zodiac spear, I disagree on everything else. First of all, I loved the side-quests to get the ultimate weapons in FFX. It was unique for each character, and was fairly difficult. I've seen people go crazy over them because it was so hard and I relished whenever I saw such a post. Ultimate weapons are supposed to be difficult to get!
About the side-quests, well there are games such as Oblivion and Fallout 3 that are built AROUND side-quests. The main story is only like 5-10hrs if you speed through it but the meat of the game is around the sidequests. I know JRPGs don't have equivalent side-stories but in wRPGs the side-stories are done very well that it matters. In JRPGs, the side-quests are considered end-game and if it didn't have that, I really wouldn't play the game because what else would there be? If you had a linear story game with no way to make your character better or play more of the game at the end, the game is worthless.
That's nice but....Posted: Sep 07, 2009 12:00AM PST by bambamthepyro
I'd personally like to see a blitzball only game. For anyone that played FF10.
err ff8 and ff9 were not shortPosted: Sep 06, 2009 12:00AM PST by Naarin
I just recently went through final fantasy 7 8 and 9 again in the last 3 months and I dont know what your talking about with 8 and 9 having less content then 7. I personally think its much easier to max cloud and company out with ultimate weapons and maxed materia then it is to max anyone in 8 or 9. plus the card games are a huge time sinc to get every card, choco graphs junctioning I think ive spent more time with 9 then anyone other final fantasy besides 6 (good god Ive been through 6 a ridiculus amount of times, when relm can solo sepharoth you know its been to many times.) anyways looking forward to 13 =) might go through 12 again too if I can find a copy. 10 = way to easy.
More games doesn't mean less qualityPosted: Sep 06, 2009 12:00AM PST by Scoob79
Just because they're churning out games faster, it doesn't mean the quality will suffer. Anybody who has some idea about how programming works will know that. Making your engine, toolset, or whatever you want to call it is a pretty huge part of the development process. Once that is all worked out, everything after comes pretty easy. It's the same idea as a jig. It's there to help you get past the repetitive tasks so you could work on other parts of a project.
Perhaps they're taking a while on this one because they're spending more time getting a good stable template to build future games on. That and the PS3 is hard to program for, as well as this game is being released on the Xbox 360 as well.
well.Posted: Sep 06, 2009 12:00AM PST by ninhoic
I want to know the time that will be shaved off due to XIII's development. If it's only something like months, then they may as well stick with the four years timeframe. Now, if they're talking years, than I'm excited. Hopefully this also includes other Squenix titles (KHIII lol.)
On several topics, I hereby give my two cents...Posted: Sep 06, 2009 12:00AM PST by UndisputedDave
A) I totally agree they should have kept the MMO's out of the numbered installments, however i disagree that they are no good or lack storytelling. I will also debate any "richness" people might want to force on final fantasy writing out of love for the series.The stories are fine vehicles for the games, but this is not award-winning fiction here.
B) To ProjectInsanity I don't think you should be concerned by the level of quality going down in the Final Fantasy series. Kitase and Toriyama are most likely jusr referencing the new Crystal Tools development sets Square made. Back in the day when the Fabula Nova whateveritscalled was getting off the ground there was an interview where Square staff was talking about how all previous Final Fantasies had been developed from scratch, but the new games were using the in-house development software to speed up development and reduce the skyrocketing costs associated with current-gen game making. So, it shouldnt be any different really then the dozen game companies that all use the Unreal engine, except Square made its own software specifically to ensure that quality was maintained with its signature franchise (i.e. Last Remnant uses Unreal and isn't too good, Final Fantasy will use Crystal Tools and will be super duper!)
C) I kinda like both Amano and Nomura's designs personally. It would be kinda cool if they alternated turns designing characters for the games. Or maybe Nomura can design the heroes (since all Amano's heroes look like girls) and Amano can design the villains (since all his villians are ridiculously huge and armored and actually evil as opposed to misunderstood brooders). Please no more monkey people though. I love everything about FF9, its possibly my favorite of the series, but c'mon, monkey people?!
D) I wan't some news on FF13 Agito! Dissida won't keep my PSP happy for long, and Disgaea 2 will be so ridiculously long I'll need a break.
uh noPosted: Sep 06, 2009 12:00AM PST by Br3aking-D@wn
uh no, 14 has nothing to do with 13, theres no reason to release it later. Dont listen to catgirl147 lol...
Please...Posted: Sep 06, 2009 12:00AM PST by catgirl147
Don't release XIV before XIII. MMORPG's are just not that great anyways... just hurry up with the XIII already :p
I wish........Posted: Sep 06, 2009 12:00AM PST by BlazingAero
There. My imitation of Barbara Walters saying "Irish".
How enlightening. Those who pay attention to history shouldn't be surprised by this news. Once a new engine is made, following titles are usually cranked out faster.
That still doesn't mean that we'll see FFXV in 2011. Expect them to prostitute FFXIII and XIV as long as they can in the form of DLC and spinoffs.
Ya know what I wish?Posted: Sep 06, 2009 12:00AM PST by Bankshot77
That they would go back to the FF9 style of FF games and knock it off with the futuristic emo crap all the post PS1 games fell victim to. I never thought I'd see the day when I'm looking forward to a spin-off (Crystal Bearers) more than a mainline title. At least that game somewhat reminds me of the old-school FF charm.
I wish.. upon a frackin' star.Posted: Sep 06, 2009 12:00AM PST by djll
If all they release after FFXIII are FNC games for a few years, who really cares? Nobody ever asked for them. If they can bring out FFXV in under 3 years, great, but I think that's more likely to be 5+ years away (if we're lucky). FFVs.XIII and other FNC games do not count as Final Fantasy games.
The fact of the matter is, there were only 2 proper FF games last generation: FFX and FFXII. They were released 5 years apart. In contrast, there were 2 years between FFVII and FFVIII and only a year between that and FFIX. Prior to that there was a year from FFIV to FFV, and then 2 years until FFVI. Again, before than it was 1 year between FFI and FFII and a further 2 until FFIII.
During the last generation Squenix had the resources to easily put out another 1 or 2 proper FF games, but instead they chose to make tons of spin-offs like Crystal Chronicles, FFXI, Dirge of Cerberus, etc, etc. Pretty much everything with the Final Fantasy name on it that wasn't X or XII last generation was garbage by comparison.
I really, really hope they just get back to some kind of form and we can see FFXV and FFXVI before the end of this generation, but I really doubt that's what they mean.
Almost-final note: FIRE NOMURA. Yeah, Nomura's art style sells and so do the games he leads up/designs (mysteriously), but it sells to stupid kids. The downfall of Final Fantasy and his coming into a position of leadership and control of projects are linked pretty closely.
Yeah, I know, I have a lot of nerd rage.
BETTER IDEAPosted: Sep 06, 2009 12:00AM PST by carnagebroodx
dont anounce the game years before you actually have the time to work on it.
.....hsiw IPosted: Sep 06, 2009 12:00AM PST by crusader8463
They would make a final fantasy tactics for the PC. FF:Tactics Advanced was the only ff game i liked and i loved that mofo. I spent over 200 hours in that game.
i wish............................Posted: Sep 06, 2009 12:00AM PST by Obi-Juan134
i wish people would not start their post with i wish.
No really I think Square Enix is really trying hard to capture their fans back. Its been rocky but I think their making a come back. Now just bring us those Final Fantasy games already....
I wish.....Posted: Sep 06, 2009 12:00AM PST by Roundtree X
I was a little bit taller...
I wish I was a baller...
I wish I had a girl who looked, I whould call her....and that SE would let us know more about there games (if there is a KH3, and more on FFXIV, FFXIIVS)...
HAHAHA...Posted: Sep 06, 2009 12:00AM PST by slayer0096
a SQURE- ENIX you guys are funny.....3 to 4 just to make a game....LOL
i wish.................................Posted: Sep 06, 2009 12:00AM PST by Electricb7
I could see something on VS13
How come we see footage of 14 before 13. Enix is fucking ass backwards.
and I hope to See KH3 or some new IP soon or else.


text:
Alternative Products
When you're sending a sales associate, executive, or other representative to meet with a client, you want him or her to look as professional as possible. And how does your representative take down notes? Is it on a stack of sticky notes or on the back of a receipt? Maybe it's in some cheap spiral-bound notebook with a cartoon character on its cover?Or do you invest in a portfolio?The Presidential Portfolio from Quality Logo Products features:* a polyurethane leatherette cover with white accent stitching* a cleverly designed built-in pocket on the front side* two pockets built into the interior left cover* a business card holder on the document flap* an interior right pocket that can hold an 8.5"x11" notepad** a pen loop built along the center spine*** your business logo or message prominently displayed on the front coverThe Presidential Portfolio is a great investment for any business that values making a great first impression. Like all items from Quality Logo Products, it's guaranteed to arrive on or before the scheduled receiving date and at the lowest available price, so order yours today.* Notepad is not included, but can be ordered separately from Quality Logo Products.** Pen is also not included, but available for separate order.
724 North Highland Avenue Aurora, Illinois 60506
P: (866) 312-5646 F: (866) 314-5646 firstname.lastname@example.com
Quality Logo Products, Inc. is your number one source for stress balls and promotional items.
Copyright 2003 - 2016 Quality Logo Products, Inc., Registration No. TX7-524-201. All Rights Reserved.


text:
A word for people too retarded to spell out retard.
Shut up dumby tard.
von ass 27. März 2003
Someone who does something stupid for the first time. (Somebody who does something stupid a second time is a retard).
Why did you pick the Cubs to win the World Series last year, you tard? Why did you pick the Cubs to win the World Series this year, you retard? -See the difference?
von Ikifov 23. Februar 2006
also may be appended to another word to further define one's shortcomings or - in extreme cases - affliction.
"That roller-tard nearly ran me over with his wheelchair."
von kevin harris 18. März 2005
shortened version of "retard"; a stupid person
Look at that tard triping over himself.
von holmes 4. Dezember 2002
Short form for retard. Like 're' but the back end.
"I hate you, you are such a tard!"
von ogga booga 19. Februar 2005
Object of free sexual gratification.
Ex: Dude, we took turns wailing on that 'tard, man! Leroy even gave her a dirty sanchez! w00t!
von Anonymous 25. Februar 2003
It means retard, it was shortened in an effort to sound like turd, meaning they are both closely related.
Stop eating all the tostitos you 'tard!
von Teh RLLLYness 29. Dezember 2005


text:
DiBella: I Will Be Talking To Arum on Martinez vs Chavez
By Rick Reeno
Lou DiBella, promoter for middleweight king Sergio Martinez (48-2-2, 27KOs), confirmed BoxingScene.com's report from early this morning , indicating that minor discussions have taken place with respect to a fall clash between Martinez and WBC middleweight champion Julio Cesar Chavez Jr. (45-0-1, 31KOs). Martinez became the mandatory challenger at last December's WBC convention in Las Vegas.
Before any serious negotiations take place, Martinez has to beat Matthew Macklin later tonight at New York's Madison Square Garden. If Martinez is victorious, DiBella plans to start serious discussions with Top Rank's CEO, Bob Arum, on Monday.
"I hope that it happens. Sergio has a real tough fight tonight. If Sergio pulls through, I will be calling Bob on Monday to discuss that fight," DiBella told BoxingScene.com.
According to Julio's father, the legendary Chavez Sr., the tentative date on hold for a Martinez fight is September 15th in Las Vegas.
On his end, Chavez Jr. has a scheduled defense on June 16th in El Paso, Texas, likely against British challenger Martin Murray.
DiBella doesn't rule out the possibility of Martinez taking another fight before a potentional meeting with Chavez in the fall.
"Sergio may take a fight in-between then. It depends on how things go tonight," DiBella said.
[QUOTE=ShoulderRoll;11902375]You have me at a loss there, because I don't remember OST being a huge issue during the buildup to the fight. I don't know enough about what happened to say whether or not Ward was acting hypocritically. But in…Comment by ShoulderRoll on 03-18-2012
You have me at a loss there, because I don't remember OST being a huge issue during the buildup to the fight. I don't know enough about what happened to say whether or not Ward was acting hypocritically. But in…Comment by Roman Moreno on 03-18-2012
[QUOTE=ShoulderRoll;11902269]WTF is your problem with Ward?[/QUOTE] Actually, I have no problem with Ward at all. I like Andre Ward. I respect Andre Ward, I like the way he carries himself as well. And, I think he get a horrible rep…Comment by S H A R K B O Y on 03-18-2012
Chavez is going to continue to get milked by Arum himself.. No way he feeds Martinez his cash cow.Comment by ShoulderRoll on 03-18-2012
WTF is your problem with Ward? He has come out and straight out said that he is willing to do OST (and did it for years already during the amateurs on his road to the gold medal.) If it didn't…Post a Comment - View More User Comments (43)


text:
designates this live activity for a maximum of 15.0 AMA PRA
Category 1 Credit(s)™.
Physicians should claim only the credit commensurate with the extent of
their participation in the activity.
This activity has been approved for AMA PRA Category 1
Remember Me
Forgot your password?
Haven't registered yet?
9/14/2017 » 9/16/2017ACAM 2017 Annual Meeting
9/21/2016SHARE - DISTRIBUTE - SAVE: We need your help to prevent the death of natural medicine!
8/8/2016Integrative Campaign Challenges FDA on Compounding Pharmacy
8/5/2016Link Newsletter: August 2016
6/3/2016Chelation Therapy - What You Need to Know
5/24/2016Hope for Dementia and Alzheimer's Disease - OMEGA
5/18/2016JACC: Heavy Metals, Cardiovascular Disease, and the Unexpected Benefits of Chelation Therapy


text:
Order line 0115 956 5555
You have 0 items in your basket.
|VAT total
|Total Goods (inc VAT)
Tough performance and solid reliability are proven features of this compressor pump. Delivering up to 14cfm of compressed air, the MK103 pump also benefits from a built in after cooler for cooler, dryer...
Clarkes robust and reliable air compressor pump, built to the latest engineering designs, delivers up to 18 cfm of compressed air.
Ideal as a standard replacement unit or for special project builds, this sturdy industrial duty pump, featuring also at the heart of model SE25 and similar blue line compressors, assures solid dependable...
Built to the latest engineering standards, this Clarke compressor pump combines excellent reliability with outstanding performance. Delivering up to 9cfm of compressed air, the MK102 is for use with motors...
Ideal as a standard replacement unit or for special project builds, this sturdy industrial duty pump, at the heart of the Clarke SE36 blue line air compressor, assures solid & dependable performance with...
Solid, long term reliability and tough performance are proven features of this pump. Deep cylinder cooling fins and inter-stage & after coolers ensure maximum cooling to provide drier air for longer life...
This tough and reliable cast iron air compressor pump delivers up to 14 cfm. Standard features include after cooler for drier air, intake filter and single stage pump.
Built to the latest engineering designs, these compressor pumps combine reliabilty with outstanding performance. Clarke's CC40 cast iron air compressor pump is designed to offer solid performance and reliability...
The Clarke CC55 cast iron air compressor pump is designed to offer solid performance and reliability at an exceptionally keen price. This 23 cfm unit provides the compressed air for the Clarke SE26 air...
© Machine Mart 2016, All rights reserved.
Machine Mart Ltd 211 Lower Parliament Street, Nottingham NG1 1GN
Tel: 0871 410 1250
Sorry, a problem occurred with the server. Please try again later.
Thank you, you will be emailed when this product comes back in stock.
Enter your email below to receive immediate notification when this item is back in stock.
Please enter an email address.
Please enter a valid email address.


text:
COACHELLA, Calif. — A boy who fell out of a school bus here on Monday suffered scrapes to his face and head, KESQ reports.
California Highway Patrol (CHP) officers said that as the bus driver navigated a curve and the bus veered left, the boy opened the handle for the emergency door and was thrown from the vehicle.
The boy was flown to a medical center by a CHP helicopter for treatment.
To read the full story, click here.
Get the latest news and most popular articles from SBF delivered straight to your inbox. Stay on top of the school bus industry and don't miss a thing!


text:
3 posts tagged with comedy by ND¢.
Displaying 1 through 3 of 3.
Daryl Hall looks like a lion.
I think that we can all agree that the best-selling duo in rock history, Hall & Oates, are pretty freaking awesome. They recorded some of the greatest songs in pop history, including "Rich Girl", "Kiss on My List", "Private Eyes", "I Can't Go for That (No Can Do)", "Maneater", and "You Make My Dreams Come True". They were incredible live. And they participated in the greatest back-alley song-writing duel of 1978. Also Daryl Hall considers himself a modern-day warlock. However, last night the world learned that Hall and Oates's are sad. They are extremely saddened by the upcoming departure of Alan Colmes from his show Hannity and Colmes, and they have chosen to express their sadness through song. [more inside]
Stephen Colbert v. The Decemberists
Stephen Colbert has a "Green Screen Challenge". The Decemberists have their own green screen challenge. Colbert calls them idea stealing jerks and issues a "Second Green Screen Challenge": "to edit me into the Decemberists' green screen challenge... Let's see how well they perform their trademark brand of hyper-literate prog rock when I'm slicing off their legs at the knee." Now the Decemberists are saying that awesomely wielding lightsabers was their idea, and that Colbert must have copied them, and they have the "Decemberists vs Stephen Colbert Guitar Solo Challenge".
Adult Swim Fix: Something You Don't Need a TV to Understand.
Adult Swim Fix. Streaming full-length Adult Swim episodes twenty-four hours a day online. Seven archival episodes will be available at all times, while premieres will continue to debut on Fridays, two days before they appear on-air.
Page: 1


text:
Speed Devils Cheats
Speed Devils cheats, and Codes for DC.
Older Cheats:
Cheat Codes
During a game, enter any of the following:
|All Cars & Tracks
|B, Right, B, Right, Up, B, Up
|Extra Money
|A, Right, A, Right, Up, B, A
|Infinite Nitros
|Down, Up, Down, Up, A, X, A
|Skip Current Class
|Down, Right, Down, Right, A, X, A
Play Class S in Championship Mode
In Championship mode, if you successfully finish Class A (beat Driver X at least 3 times) Driver X will ask you to race with him. You can use his car if you win the match, and you will pass to Class S. In this class, all enemies are the same as Class A except Driver X.
See the Titanic
To see the Titanic you must First go to the Canada Autumn stage and then go to the three dirt roads and finally go to the far left. Look out to the sea you will see the Titanic.
Alpine #1 - When you are about 50% through the lap, you will see pine trees to the left and a hill straight ahead. Instead of going up the hill, turn left and go through the trees to enter a cave. When you get out of the cave, do not turn left on the road. Keep driving straight and you will be in another shortcut -- make sure you do not fall in the lake, or you will restart on the road.
Alpine #2 - At the end of the lap, you will enter the city. Before you go past the front lift where the rocks are, turn directly left and you will be on a shortcut. Note: It only appears at certain times.
Aspen Winter - During the race you will go around a bend, and to the left you will see a frozen lake. Turn left, go across it, then go over the snow hill to save about ten seconds of time.
Canada #1 - At the first mill, the road will be off to the left in a bridge. Keep right, hit the ramp, and go through the windmill to land back on the road.
Canada #2 - At the second mill, there will be boxes stacked to the left. Go behind them and go up the ramp. Be sure you land on the logs after it -- if you do not, you will fall in water and restart on the road.
Hollywood - After going under the T-Rex's legs in the road, keep straight, hit the jump, then turn left and you will be back on course. Note: You could miss the jump and fall in water.
Nevada - On the first turn you will see a dirt road. Take it and you will not have to go around the bend.
submitted by ezdriver
CD Audio
You can put the CD into any regular CD player and play tracks 2 and above to hear the game music.
Full Pause Screen
Pause the game and press X + Y.


text:
This domain used to be the home of Peter Hyde Management Consulting, the consulting practice I ran for over 25 years. I have now retired and through this new site I want to offer:
- Continued access to Peter Hyde Management Consulting materials, especially the articles I wrote with Bill Williamson on organisational values. See the Management page.
- A way for old clients, friends and acquaintances to find and get in touch with me without resorting to Facebook. See the Contact page.
- Information about and links to the things I am doing now. See the pages on Walking, Photography, my special interests in architecture (Art nouveau and Almshouses) and Butterflies.
Much of what I am now doing appears in my blog Walking in the Country. And I also tweet as @walking_country.
Follow @Walking_country


text:
WASHINGTON - A presidential commission on Wednesday urged broad changes to veterans' care that would boost benefits for family members helping the wounded, establish an easy-to-use Web site for medical records and overhaul the way disability pay is awarded.
The nine-member panel also recommended stronger partnerships between the Pentagon and the private sector to boost treatment for traumatic brain injury and post-traumatic stress disorder.
A 29-page report was presented to President Bush in the Oval Office after the Senate addressed some of the issues Wednesday by passing sweeping legislation to expand brain screenings, reduce red tape and boost military pay.
"Gone are the countless calls for appointments," Shalala said.
© 2016. All Rights Reserved. | Contact Us


text:
Learn how MacUpdate Desktop can install apps on MacUpdate with the simple click of the icon. Plus, keep all your apps updated.
Monochrome converts batches of color images to grayscale, giving you control over the conversion method and applied effects, so you can create a consistent-looking set of output images.
- Improved Conversion: Monochrome gives you the option to convert images using an RGB or HSL-based color mixer, simple or advanced selective color desaturation, monotone color re-mapping or Core Image presets. All rendering is done on the GPU for fast, effective processing.
- Batch Processing: Monochrome exports converted images using a background task. This allows you
What's New
Note: Now requires OS X 10.11 or later.
Note: The downloadable demo is version 3.1.1. The version available for purchase on the Mac App Store is version 3.2.1.
- Essential stability upgrade
- OS X 10.11 or later


text:
Top 10 Steak Wines
Meaty Wines For Meaty Dishes
Best Wines for Pairing with Steak
Steak and red wine: a classic combo for an elegant meal. A good bottle of vino has the ability to balance and highlight your beef's flavor profile, elevating taste sensations to an entirely new level. On GAYOT's list of the Top 10 Steak Wines, each bold bottle plays the perfect partner to a cut of meat. Whether it's skirt steak with Pinot Noir, bone-in ribeye with a lush Cabernet Sauvignon, or juicy prime rib with a red blend, we've chosen hearty wines from around the world that will pair well with your meaty meal.
Next >


text:
November 17, 2011: Cellular, Tissue and Gene Therapies Advisory Committee Meeting: Waiver
There are no waivers for conflicts of interest.
The content on this page is provided for reference purposes only. This content has not been altered or updated since it was archived.
There are no waivers for conflicts of interest.
Page Last Updated: 08/12/2015
Note: If you need help accessing information in different file formats, see Instructions for Downloading Viewers and Players.


text:
Corporations and governments borrow money by selling bonds to investors like you. In turn, you want a good interest rate on the money you lend. The effective interest rate you get depends on several factors. Understanding the relationship between a bond prices and interest rates helps you analyze whether a bond is a good investment.
Coupon Rate and Yield
A bond's stated interest rate is called the coupon rate. Coupon rate is calculated by dividing the coupon -- the fixed annual interest sum a bond pays -- by the par value of the bond. Par value, in turn, is the amount the bond issuer must give the bond owner to pay off the debt when the bond matures. Bonds vary in price as they are traded, and this makes the effective interest rate, called the yield, change as well. You figure the yield by dividing the coupon by the price of the bond. For example, a $1,000 par value bond with a 6 percent rate might be selling for $800. When you divide the coupon ($60) by the price, you get a yield of 7.5 percent. This example illustrates a basic rule about the relationship between bonds and interest rate: when the price goes down, the yield goes up, and vice versa.
Market Interest Rates
Suppose prevailing market interest rates that bonds pay go up so that existing bonds pay lower yields than newly issued ones. Investor demand for existing bonds falls, causing the price to drop. As the price declines, the yield goes up until it is comparable to the new market rates. The opposite occurs when market rates go down. An existing bond then has a better yield, so demand for it rises. This pushes its yield down.
Credit Risk
Bond issuers have credit ratings just like you do. These ratings are important because they allow you to estimate the risk that a bond issuer will default on the debt. For example, bonds with the least credit risk are rated "AAA" by the three major ratings services: Fitch's Ratings, Standard & Poor's and Moody's. If a company runs into trouble, its bonds might be downgraded to "AA." That's still pretty good, but it does mean the bond is a riskier investment. Typically, investor demand falls and the price goes down. The price will decline until the yield goes up enough to attract investors willing to take more risk in return for a higher interest rate.
Maturity and Interest Rates
Bonds can be classified according to their lifespan, ranging from short-term to long-term. The price and yield on a short-term bond with a maturity of a year or less usually stays close to the par value and coupon rate. This happens because market rates don't often change enough in a short time to have a big impact. Also, investors can make a good estimate of the near-term credit risk of the bond issuer. The longer the time until a bond matures, the more likely it is that market interest rates or a bond's rating will change enough to have a major impact on a bond's price and therefore its yield.


text:
Drivetime Thursday 11 April 2013
Mary Wilson presents an information packed evening news magazine with all the stories of the day
Della Kilroy reports on the latest welfare cutbacks
Drivetime's health policy analyst asks if NHS reforms in the UK provide lessons for Irish health plans
John Cooke reports from James Reilly's family home.
The Taoiseach has once again defended his leadership of Fine Gael.
Presenter: Mary Wilson


text:
October is a dangerous month to buy stocks, Mark Twain once noted, and so are all the rest. And as we head into third-quarter earnings season—and the 25th anniversary of the 1987 stock-market crash—it's worth examining where the specific risks -- and opportunities -- lie right now.
Yes, the Standard & Poor's 500 Index is up 16.2% this year, but other metrics, including revenue growth and return on equity, aren't so great. In the second quarter, S&P 500 index sales grew 3%, the lowest rate since 2009, while the return on equity was 16.5%, down slightly from the first quarter. Watch profit margins; if they fall, stocks could follow.
Optimists will note Friday's better-than-expected employment report and that the September Manufacturing ISM Report on Business was 51.5%, suggesting economic growth for the first time in three months. Pessimists will note that second-quarter gross domestic product was revised to 1.3% from 1.7%, and quote the prediction of Olivier Blanchard, the International Monetary Fund's chief economist, that the world economy won't recover until 2018.
All this imbues third-quarter earnings season with more significance than generally understood. Morose earnings reports, and pre-announcements, could influence election results.
The first results arrive Oct. 9 with Alcoa aa 1.8072289156626506% Alcoa Inc. U.S.: NYSE USD10.14 0.18 1.8072289156626506% /Date(1475269302809-0500)/ Volume (Delayed 15m) : 22325036 AFTER HOURS USD10.16 0.02 0.19723865877712032% Volume (Delayed 15m) : 563879 P/E Ratio N/A Market Cap 13337953701.1116 Dividend Yield 1.183431952662722% Rev. per Employee 351067 More quote details and news » (AA). Pay attention to investor reaction for insights into how similar results might be greeted.
Many investors are already jaundiced since Caterpillar cat 1.4862238481765178% Caterpillar Inc. U.S.: NYSE USD88.77 1.3 1.4862238481765178% /Date(1475269277681-0500)/ Volume (Delayed 15m) : 6093055 AFTER HOURS USD88.82 0.05 0.05632533513574406% Volume (Delayed 15m) : 286001 P/E Ratio 47.725806451612904 Market Cap 51862185512.5302 Dividend Yield 3.469640644361834% Rev. per Employee 395412 More quote details and news » (CAT) and FedEx fdx -0.25125628140703515% FedEx Corp. U.S.: NYSE USD174.68 -0.44 -0.25125628140703515% /Date(1475269342444-0500)/ Volume (Delayed 15m) : 1869418 AFTER HOURS USD174.68 % Volume (Delayed 15m) : 69850 P/E Ratio 26.188905547226387 Market Cap 46422780642.6343 Dividend Yield 0.9159606136936111% Rev. per Employee 313982 More quote details and news » (FDX) warned in September about slow global economic growth in the next few years. Hewlett-Packard's hpq 0.9096816114359974% HP Inc. U.S.: NYSE USD15.53 0.14 0.9096816114359974% /Date(1475269384511-0500)/ Volume (Delayed 15m) : 11031276 AFTER HOURS USD15.53 % Volume (Delayed 15m) : 426022 P/E Ratio 8.304812834224599 Market Cap 26569903459.1625 Dividend Yield 3.193818415969092% Rev. per Employee 213986 More quote details and news » (HPQ) midweek drubbing, after management revealed that 2013 revenue would fall in every business except software and that operating margin would decline, was a violent hint of the future.
Some 70% of all active managers are lagging behind performance benchmarks. Many mutual funds close their books Oct. 31. Bad earnings could provoke sharp rebukes to stocks as fund managers "window dress" portfolios -- that is, sell the biggest losers to avoid looking bad.
SOME IDEAS COULD CONTINUE to shine. Wal-Mart Stores wmt 1.9652198501343137% Wal-Mart Stores Inc. U.S.: NYSE USD72.12 1.39 1.9652198501343137% /Date(1475269233670-0500)/ Volume (Delayed 15m) : 9487665 AFTER HOURS USD72.12 % Volume (Delayed 15m) : 494933 P/E Ratio 15.509677419354839 Market Cap 223085779540.809 Dividend Yield 2.7731558513588466% Rev. per Employee 210130 More quote details and news » (WMT) is attractive because revenue and dividend growth could soon command a market premium. Even after a 43% run-up in the past year, the stock fetches just 14 times next year's earnings estimates of $5.36. That's above the 12.6 P/E for the S&P 500. But as my colleague Jack Hough notes on page 27, estimates for the market will surely come down, while Wal-Mart's look solid.
Already the country's largest grocer, Wal-Mart is upping the ante against big competitors such as Kroger kr 0.6101694915254238% Kroger Co. U.S.: NYSE USD29.68 0.18 0.6101694915254238% /Date(1475269479003-0500)/ Volume (Delayed 15m) : 22417292 AFTER HOURS USD29.68 % Volume (Delayed 15m) : 3782311 P/E Ratio 14.133333333333333 Market Cap 36882232557.8369 Dividend Yield 1.6172506738544474% Rev. per Employee 274575 More quote details and news » (KR) and Safeway (SWY). The $447 billion-in-revenue chain is running a "basket match" ad campaign in more than 30 major metro markets, comparing its receipt prices against the area's top grocers. In Chicago, for example, Wal-Mart shoppers saved 27% over Safeway's (SWY) Dominick's. Wal-Mart reported a 1% increase in sales and traffic in targeted markets from February to August, compared with non-targeted markets.
Gilford Securities' Bernard Sosnick, who predicted Wal-Mart's resurgence, is optimistic ahead of the company's Oct. 10 investor meeting. He expects the world's largest retailer will reveal accelerated expansion plans for small-store-format Neighborhood Market and Express stores that directly compete with grocery stores, pharmacies, and even dollar stores.
Sosnick says Wal-Mart's stock, which has stalled since reaching an all-time high of $75 in last month, could soon hit $80 -- and $100 by 2015 as the stock advances on earnings growth and a higher dividend. Wal-Mart has increased its annual dividend, currently $1.59 for a 2.1% yield, every year since 1975. Fiscal third-quarter earnings will be released Nov. 15.
We also like financials, having argued in last week's cover story ("Built to Win") that Goldman Sachs gs 1.459578483799937% Goldman Sachs Group Inc. U.S.: NYSE USD161.27 2.32 1.459578483799937% /Date(1475269287498-0500)/ Volume (Delayed 15m) : 4379344 AFTER HOURS USD160.75 -0.52 -0.3224406275190674% Volume (Delayed 15m) : 117845 P/E Ratio 15.257332071901608 Market Cap 65388859377.8894 Dividend Yield 1.612203137595337% Rev. per Employee 866658 More quote details and news » (GS) could rise 25% in the next year. Since then, others have embraced the sector. JPMorgan is now advising clients to buy Bank of America bac 3.232189973614776% Bank of America Corp. U.S.: NYSE USD15.65 0.49 3.232189973614776% /Date(1475269217793-0500)/ Volume (Delayed 15m) : 112576480 AFTER HOURS USD15.67 0.02 0.12779552715654952% Volume (Delayed 15m) : 6852204 P/E Ratio 13.497197067701595 Market Cap 159705113050.537 Dividend Yield 1.9169329073482428% Rev. per Employee 431596 More quote details and news » (BAC), and Credit Suisse raised U.S. banks to Outperform. Expectations are high that banks soon will increase dividends, and that their stock prices will rise because loan growth and asset quality -- two key return drivers -- will increase. Yes, we've heard this before, but this time could be different since the Federal Reserve is buying about $40 billion of mortgage-backed securities.
Banks are minting money on mortgage originations. They've lowered mortgage rates much less than the decline in their cost of money, reaping higher spreads when they sell the loans to Fannie Mae and Freddie Mac.
Andrew Garthwaite, Credit Suisse's global strategist, particularly likes Wells Fargo wfc -0.2028397565922921% Wells Fargo & Co. U.S.: NYSE USD44.28 -0.09 -0.2028397565922921% /Date(1475269222408-0500)/ Volume (Delayed 15m) : 52852373 AFTER HOURS USD44.44 0.16 0.36133694670280037% Volume (Delayed 15m) : 1265292 P/E Ratio 10.852941176470589 Market Cap 223416809465.885 Dividend Yield 3.4327009936766033% Rev. per Employee 352599 More quote details and news » (WFC), the country's largest mortgage lender. In its second-quarter earnings release, he notes, the bank said it had the second-biggest mortgage pipeline in its history.
Comments: firstname.lastname@example.com


text:
I started spotting on Friday night and then it turned to light bleeding yesterday and today it's been like a period. I've passed a couple of small "masses" so I'm pretty sure that I have or am miscarrying. I am not surprised, but I am feeling very beat down about it all.
I have an u/s tomorrow morning, which I will be going to alone - which is fine since I'm 99.9% sure of what they will (or will not) find. If it was still up in the air, I would have wanted someone to go with me.
I didn't cramp at all, but now have some very small/light cramping.
So, now we go through this stage - again. Although, I am glad I don't have to do a D&C again (hopefully).


text:
Greensboro Marathon: Entry Package
Gibsonville, NC
Saturday, October 26
What you get
- Two Distances: Half-Marathon or Full Marathon
- Race Ends in Downtown Greensboro
- Entry Package Includes Long-Sleeve T-Shirt, Medal, and Post-Race Beer
Stretching from Elon University to the heart of downtown Greensboro, the Greensboro Marathon is one of the most scenic runs in the Carolinas. Secure your spot at either the full or half marathon on Saturday, October 26 with this offer from Trivium Racing. In addition to your entry to the race, you'll also receive convenient VIP bag check, a long-sleeve tech T-shirt, finisher's medal, and one post-race beer.
While open to runners of all experience and fitness levels, the race is a qualifying event for the Boston Marathon, meaning some of the best runners from around the state come out to participate. Whether you're racing for speed or just for fun, everyone is still invited to celebrate their finish with fellow participants and spectators at the post-race after-party.
Choose from the following offers:
• $45 ($87 value) for a half-marathon entry package
• $55 ($107 value) for a full marathon entry package
Greensboro Marathon's Website
Fine printREFUND POLICY: This event is nonrefundable. No full or partial refunds are given to customers who miss the event. In the event of a cancellation, your voucher will be fully refunded • Each voucher is good for 1 person • The deal is valid only for tickets on the date[s] of the event as listed and may not be exchanged or redeemed for any other dates • Entire value must be used in a single visit
Other conditions apply
Except where noted in the fine print:
• Cannot be combined with any other offer or promotion
• Tax and gratuity are not included
• Merchant is responsible for the quality of the products or services provided to you at redemption
• LivingSocial Terms and Conditions - https://m.livingsocial.com/terms
Greensboro Marathon: Entry Package
times for
More upcoming events
use by Oct 31
Paint Nite Painting Event at Local Pub or Restaurant
use by Nov 13
Xtreme Xperience: Exotic Supercar Racetrack Drive
Various Locations
use by Oct 31
Themed Murder Mystery Party of Your Choice
Saturday Oct 22
Greensboro, NC
Ferrari or Lamborghini Autocross Experience
Saturday Nov 5
Greensboro, NC
Entry for One to the Insane Inflatable 5K
Gillespie Golf Course
Thursday Nov 10
Greensboro, NC
Ticket to "The Sweet Spot Greensboro"
Boston's House of Jazz
Nearby deals
Girl vs Grime Cleaning Services
6 Man-Hours of House Cleaning
Bistro B Tapas & Wine Bar
$50 to Spend on Mediterranean Food
Leaf Relief Gutter Cleaning
Home Gutter Cleaning for Up to 2,000 Square Feet
Greensboro Massage and Bodywork
1-Hour Hot Stone, Prenatal, or Couple's Massage
Paul's Fine Italian Dining
$30 to Spend on Food and Drink
Winston Salem Moving & Storage
3 Man-Hours of Moving Services with a Truck
Beamer Tire & Auto Repair
Oil Change, Tire Rotation & Maintenance Check
Wag Boutique
$20 to Spend on Pet Supplies