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MUSIC VIEW; East Berlin Opera Nervously Awaits The Next Act
Published: June 24, 1990
(Page 2 of 2)
This is not so much an ideological as an economic issue. On the whole, the Communists did not insist on heavy-handed propagandizing in operatic and theatrical productions. And a fashionable Marxism has long informed West German ''progressive'' productions. So lingering leftist sentiments from the East will hardly seem out of place there.
Economically, both East and West Germany are heirs to a tradition of state-supported art dating back to the independent kings and princes before 1870. But Europe as a whole has tightened government arts subsidies in recent years, forcing companies to seek corporate backing to supplement their public money. East German arts administrators are innocently inexperienced in such fund-raising hustle. The integration of the East and West German economies will have some advantages for East German companies like the Komische Oper. While some singers in its ensemble may be tempted to go West, the company will presumably be able to attract Western singers more easily. Heretofore, Western singers, conductors and directors could only be paid one third of their wages in Western currency.
Artists won't necessarily abandon the East. Star East German performers were already allowed considerable latitude when it came to appearing in the West. Indeed, one problem at the Komische Oper now is that its current director, Mr. Kupfer, spends up to 10 months annually in the West, leaving him little time for new productions at home that could shape a distinctive, ongoing identity for the Komische Oper.
Mr. Stompor, for one, worries that even should the Komische Oper be retained as a functioning theater, it might be turned into a true ''comic opera,'' with operettas and musicals, possibly even in overtly commercial, Broadway-like runs rather than the current repertory system. Another rumor, or nervous speculation, is that the theater might become an adjunct of the Deutsche Oper, since Mr. Friedrich, Felsenstein's immediate successor as head of the Komische Oper, now runs that West Berlin company.
Siegfried Matthus, East Germany's leading opera composer, has held the mostly honorary title of Komische Oper composer in residence for some 25 years. Mr. Matthus has his own ideas about how to preserve the Komische Oper, and has already paid court to the West Berlin Senate, which will presumably take over financial subsidy of the East German theaters after unification. His vision, which is not without an element of self-service, is to turn the Komische Oper into a showcase for 20th-century opera.
The Komische Oper has hardly undertaken Wagner or Richard Strauss, but in other respects its repertory now often overlaps that of the city's other two companies. Why have three theaters playing ''Die Zauberflote?,'' he argues. Why not turn one of them into a model laboratory for the best, most innovative productions of the opera of today?
It's a stimulating idea. But whether or not it comes to pass, there would seem to be ample justification for retaining all three Berlin opera companies. Even with all of them operating 10 months a year, this metropolis's population of more than three million would still have proportionately fewer available seats for operatic performances on a nightly basis than smaller cities with only one company. Tradition and sympathy for the company's artists and employees aside, the Komische Oper seems capable of providing a kind of operatic experience that few other theaters, in Berlin or elsewhere, could equal.
Photos: A scene from the Komische Oper's production of ''Ritter Blaubert,'' which dates from the time of the brilliant Walter Felsenstein. (Arwid Lagenpusch/Komische Oper berlin) (pg. 23); The State Opera in East Berlin-grander and more mainstream than the Komische Oper (A. Paczensky/Zenit Photo Agency for The New York Times) (pg. 26)


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KLEW News learns more about how that's affecting local businesses and their employees.
In just a week, healthcare benefit options open up across the country. To stay compliant with the Affordable Care Act every American is required to have health insurance by next January. But for small business owner Dr. Dave Rustabakke, the switch to universal health care isn't particularly convenient for his business.
"It's very frustrating," said Rustabakke. "It's not only healthcare but many aspects of our business are being more and more regulated."
Patrick Connor is the Washington State Director for the National Federation of Independent Businesses. He's been fielding questions from business owners around the state as the October first deadline approaches.
"Small employers are supposed to give their employees a notice before October first, that let's them know what their options are," said Connor.
Connor said the notice should explain any changes to current insurance plans for their employees. If the small businesses don't offer insurance, they should let their employees know where to search out options to get insured.
"At this point, small businesses, those with 50 employees or fewer are not required to offer health insurance to their workers," said Connor. "So there is no penalty if they are unable to afford to do so."
Dr. Rustabakke employs about ten employees at his veterinary clinic in Clarkston. Because of that, he's not required to cover his employee's benefits.
"We're small enough where I think we're under the threshold where it's going to make a substantial impact on us personally," said Rustabakke.
But the costs from vendors that supply the vet clinic are going up and affecting his costs.
"Generally large businesses will be affected and of course they're going to pass their costs on," said Rustabakke.
By January first, if you're not insured no matter where you are in the country, you'll receive a fine from the government.
for more information on the Washington and Idaho Health Insurance Exchange, head over to our KLEW News Facebook page.

subset: commoncrawl


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#18 - anon (09/18/2013) [-]
superman just killed batman and that's basically all Alfred can really do at that point
i mean it's superman for God's sake
i mean it's superman for God's sake
#43 to #18 - samsaysbai
Reply +21(09/18/2013) [-]
You're using the spoiler wrong
#41 to #35 - neoexdeath
Reply +1(09/18/2013) [-]
Oh Batman breaks his spine like once every five years due to assorted reboots and references to that specific arc. Really, its a miracle he hasn't just gone "Screw it" and replaced it with cybernetics or something.


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The Ecological Relations of the Vegetation on the Sand Dunes of Lake Michigan. Part I.-Geographical Relations of the Dune Floras.
Henry Chandler Cowles
Botanical Gazette
Vol. 27, No. 2 (Feb., 1899), pp. 95-117
Published by: The University of Chicago Press
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Hotels in Denia, Spain
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History: Established 2010. The first award was made in 2011.
Members: The three Vice-Presidents of the Society and the Editor In Chief of the Astrophysical Journal and Astronomical Journal.
Chair: The senior Vice-President.
Charge: Nominating candidates for the Lancelot M. Berkeley - New York Community Trust Prize for Meritorious Work in Astronomy.
About the Prize: The Lancelot M. Berkeley - New York Community Trust Prize for Meritorious Work in Astronomy (the Lancelot Berkeley Prize) is awarded annually for highly meritorious work in advancing the science of astronomy during the previous year. The prize includes a monetary award (split equally among the recipients) plus travel expenses to attend an AAS meeting in the next 12 months to present a prize lecture. The award shall be given without distinction as to nationality. The work being recognized must have been published in a peer-reviewed journal in the calendar year prior to the AAS prize nomination deadline. The award may be shared by up to three people as appropriate. Individuals are eligible to receive the award more than once.
Committee members
- Jack O. Burns, Chair (Jun 2014 - Jun 2017)
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Snowboarding Forum - Snowboard Enthusiast Forums (http://www.snowboardingforum.com/forum.php)
- Buy and Sell Snowboard Equipment (http://www.snowboardingforum.com/buy-sell-snowboard-equipment/)
- - FS: 2013 Forum Republic Bindings (http://www.snowboardingforum.com/buy-sell-snowboard-equipment/50511-fs-2013-forum-republic-bindings.html)
FS: 2013 Forum Republic Bindings
4 Attachment(s)
Selling a pair of 2013 Forum Republic bindings that I have recently purchased. Unfortunately, my gf surprised me with a pair of Forces yesterday and god forbid, I don't use the Forces, she'll throw a tantrum...
Size MEDIUM Color GRINDSTONE
The bindings overall are in excellent shape. Light scuff marks on the front strap and a light scuff mark on the rear left heel cup.
I'll post up some pictures of the actual bindings when I get home.
for now, here is a picture I got from the internet:
Asking $100 shipped (continental US. Canada and outside of the continental US are subject to higher shipping charges)
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A veteran lawyer from Montgomery County is the special prosecutor heading the inquiry into whether state Attorney General Kathleen G. Kane's office leaked grand jury information in an effort to discredit her critics, The Inquirer has learned.
Thomas E. Carluccio, a criminal defense lawyer in Plymouth Meeting and former prosecutor in Delaware, was appointed over the summer by a Montgomery County judge to explore how secret records became public this year about a 2009 investigation by the Attorney General's Office involving Philadelphia political activist J. Whyatt Mondesire, according to several people familiar with the matter.
No charges were brought against Mondesire in the case. The investigation, details of which appeared in a June story in the Philadelphia Daily News, took place before Kane became attorney general.


text:
7.1 A CMOS circuit was laid out based on a company X's 3 µm design rules as shown in Fig. P7.1 with Wn =7µm and Wp=15µm.
(a) From Fig. P7.1, determine the circuit configuration and draw the circuit diagram.
(b) For simple hand analysis, make the following assumptions:
i) Wiring parasitic capacitances and resistances are negligible.
ii) Device parameters are
iii) The total capacitance at node I is 0.6 pF.
iv) An ideal step-pulse signal is applied to CK terminal such that
v) At t = 0, the node voltage at I is zero.
vi) The input voltages at A1, B1 and B2 are zero for 0 ≤ t ≤ TW Find the minimum Tw that allows Vt to reach 2.5 V.


text:
Job Applications: Chris's 10 Tips
How to apply for the jobs you really want to get. A practical guide to filling out those (automated) application forms.
When Cambridge University once advertised for an executive for Thailand, of 300 replies over 100 had CVs longer than 10 pages. HR people form their opinions within 5 seconds of their first glance…
There is now a plethora of TESOL job websites; many are forum-based and many, particularly the automated ones, share the same databases. This has given rise to a confusion of choice for applicants and many ply the web and enroll on them all. The resulting increase in applications received by the schools is phenomenal. Many of the automated applications submitted to the schools by job sites are often not considered because they contain too much, too little or the wrong kind of information. Some schools' own electronic application forms may seem to ask a lot, but they do save you from wondering what you should be telling the school, they help you keep your resumé short, and they cut out the need for a statement of motivation. Developed by experts, they are able to carry out an initial "search and destroy" of irrelevant or incorrectly-completed applications thus relieving the recruiting staff of the task of manually sifting through hundreds of applications. Forms are therefore often designed as part of the interview process and how they are treated can be decisive: over 68% of applicants do not follow the instructions – not particularly brilliant for people wanting to be teachers.
Application forms provide all candidates with an equal opportunity to demonstrate their suitability for a teaching position. Teaching requires a lot of routine form-filling, so candidates who find application forms tedious may wish to reconsider. Careful answering and completing all fields correctly will be well worth the time invested.
If a recruiter replies or calls personally, it is a good idea for candidates to be prepared to show that they remember the information about the school and having applied for a job there.
The average EFL teacher lasts less than 4 months in a job before leaving, either because the school did not honour its claims or because the teacher was asked to leave.
Pure common sense in any kind of job application counts for 90% of the success, but less than 45% of applicants for teaching jobs follow all the tips below. The last paragraph is of particular importance for anyone wanting to teach in Asia.
How to apply for the jobs you really want to get…
- Follow the instructions and personalise your applications to the organisation whose ad is being answered. Obvious blanket or multi-mailings are uninspiring, demonstrate a lack of personal energy and engagement and will almost certainly be ignored. The instructions in the job ad should be rigorously followed: no less, no more; and of course, your own English is absolutely perfect. CV Databases: the short text you enter which describes you should contain a reply e-mail address, see Tips #7 and #8 below. Applications which just state "Hello, I want the job you advertised" or "Please send me details" will be ignored; many advertisers now include links to their websites which contain all the infomation that you require. Schools have to pay to view the the CV or the contact details you parked for free on a recruiting website, so they want value for their money. ALL fields on application forms should be completed, whether they appear indiscreet or otherwise. Leaving information blank either leads recruiters to believe you have something to hide or just gums up the computer system. Applicants who are really keen to get the job will tell Asian recruiters what they want to know, including marital status and religion if they ask for them; and remember, being gay is no big deal – countries such as Thailand even have three distinct genders.
- Lengthy letters of motivation should be avoided – they are unmodern, and everyone uses a similar template. Mentioning the country will at least show the recruiter that you already know about salaries and costs of living there, and that you have looked up everything about it on the Internet. The language content of your application needs to be toned down; terms, expressions, acronyms or idioms will confuse a non-native recruiter. To say you are "hardworking", "totally committed", "perfectly suited", "an asset to the school", "the perfect candidate for this job", " an excellent teacher…" is not very original and will not impress the recruiter who will be the judge of these qualities during an interview. In Asia, particularly Thailand, many of the schools that advertise for foreign teachers are very modern and have excellent resource libraries, state-of-the-art materials and equipment; they often feel embarrassed by applicants who suggest bringing their own ideas and materials. Many of the better schools are even better equipped than their European counterparts.
- The CV is critical. Nobody is interested in an applicant's past history as a pom-pom girl, a catcher's glove carrier, a cub scout or a newspaper boy. Language centres do not want to know about sporting achievements or hobbies. Having been a Peace Corps volunteer, unless it has a direct and positive bearing on the job, is not important. Likewise, the vacation stint serving burgers in Joe's Diner only demonstrates that the applicant was refused anything better! Helping people choose their meals from the menu in McDonalds is hardly to be classed as "nutritional consultant". Having a PhD in marine biology or being a retired Boot Camp drill sergeant will contribute precious little to the power of singing the ABC song to a bunch of naughty 5-year olds. Nevertheless, a CV should not be too brief. HR people won't ask later for more – they already have dozens of complete CV's to read. One A4 page – or even less – contains all a recruiter needs to know to decide to call for an interview. All relevant information should fit on one A4 page – some online application forms are designed to truncate any excess and the application will not be processed.
- A CV should not be sent as an attachment. Attachments are usually deleted unread. They take time to download and often carry viruses. If email applications are allowed, a CV is best copied and pasted into the body of the email – it won't be more than one A4 page. Copies of degrees and photos should be sent only when requested. It will NOT enhance an application to add copies of your GCEs, GCSEs, Abitur, Bac, US High School Graduation, Life Saver's Diploma, Football Coach Certificate or Peter Pelican's Road Safety Certificate for Five-Year-Olds. It will compromise the entire application attempt. Scanned documents must be small enough to print on ONE A4 page. (You will know that the US 'letter' size is not standard in the rest of the world.) Documents should be saved only in JPG or GIF at low resolution (72 dpi) – NEVER in PDF or a Microsoft format. Video clips, slide shows and presentations are not really wanted.
- CVs shoud preferably not be sent to organisations which are not currently advertising. Multiple applications for the same job or to the same advertiser will disqualify you as a timewaster.
- Grouped applications from partners or friends demonstrate a lack of maturity and independence – qualities which teachers MUST have. Everyone can sign up for free to Hotmail, Yahoo or Gmail and have his/her own account. Some countries, particularly in Asia are still very conservative and unmarried couples are not socially accepted; and at teacher level it would be tantamount to a scandal.
- State your age and gender because it should of course be on every CV for any job. There are a great many very different reasons why employers need to know the age of a candidate for a job. So, no age, no reply. With all the first names out there, particularly in the USA, it is not always clear if boys or girls are writing in. Teaching jobs can be perfectly legitimately gender-specific, so although Thailand may have three genders, neuters don't get replies to job applications.
- Candidates abroad – please don't suggest to the schools that they call you. Recruiters like to make their own short lists of people to call. Recruiters will definitely NOT visit your personal web page or blog, it takes too long to load. The information in your e-mail should be enough.
- Warning: prospective teachers should BEWARE of those organisations who ply the universities with promises of jobs abroad. Beware also of web sites offering programmes that sound too good to be true. Some offers are nothing more than pay-to-work programmes. There is no need for job seekers to pay any fees whatsoever to obtain a job placement. NOBODY (unless on an assisted training scheme or internship), not even the least experienced and least qualified, needs to volunteer or teach English for free, because somebody, especially the organiser, is making plenty of money out of the scheme. There are other scams too.
- And finally, the best jobs, with the exception of the elite international schools that recruit through the TES or their own bona fide agencies or parent schools in your country, go to those who are already in the country and on call for an interview at a moment's notice, and who can dress for the part. Anyone who has the confidence to stand in front of a class of kids or a conference room full of executives should also be self-assured enough to travel alone and ask around.
April 2010 | Filed under Career
Chris is an educational consultant, a published TESOL author and a retired college administrator and recruiter.
7 Comments on "Job Applications: Chris's 10 Tips"
Helen Says:
April 25th, 2010 at 12:31
Thanks, this was very useful advice.
It might also be worth advising the schools on how to recruit and retain a good teacher.
I recently had an interview in a school where the interviewer was late, they clearly hadn't read my covering letter and hadn't looked at my CV properly either. They didn't make me feel very welcome and I left wondering if I would really want to work there.
At another interview I went to, I felt the interviewer was interested, had prepared for the interview as well as I had and that I would be welcome in the school.
It's true that there are more applicants than jobs and that we have to compete for the jobs. However, the schools should also be competing for us!
Helen Says:
April 25th, 2010 at 12:49
I just wanted to respond to the article that in number 5, the writer advises against sending a CV to an organization not currently advertising.
Maybe this is true for Asia. But in some places it's sometimes a good idea to send out enquiry letters. My current job wasn't advertised – I called the director of the school, submitted a covering letter and CV, and was offered the job, where I'm very happy. It can sometimes pay off for both employer and employee.
Michelle Says:
August 25th, 2010 at 13:42
Advice reminding us to edit our application materials is necessary. Human error slips in no matter how many, often or the range of years we've been seeeking advancing education and teaching opportunities. The same does apply to the advisors. Please edit your copy for text accuracy.
Thanks for your supportive and helpful sections.
SIDY DIENG Says:
September 19th, 2010 at 10:50
Thank you Chris,
Your article is very important for teachers who have never got the opportunity to be asked to send CV or for an interview.What I want people know is that a Cv should be concise and clear enough to be well considered.
as you say, for the interview, one should be patient and flexible in order to answer correctly and fairly all the questions.Thank you
Kim Says:
September 24th, 2015 at 12:06
This is an interesting list with some good advice. However, not all of it is universally applicable.
As someone who has been active on both sides of the recruitment adventure,I have seen some mystifying and irritating things. I have gotten applications with cover letters addressing a different school and others with resumes chock full of errors. A high proportion of applicants did not address their cover letter to the person specifically designated. I even had one person write that he wouldn't deal with me since he "knew" that all decisions were made by locals.
What to include on the resume can be tricky. While a PhD in marine biology might not help teach the ABCs, it indicates pluck, intelligence and a reservoir of biological knowledge in a field most kids are excited about, which can be used in teaching English. If someone has a background in theater, dance or music, I want to know that. Except for very young applicants, resumes under a page and a half rarely gave me enough information.
The format and manner of inclusion of things like resumes one should use varies from employer to employer. As a reviewer, I certainly did *not* want resumes sent as part of e-mails: I wanted a simple attachment clearly identified with a file name such as Jane Smith resume. A number of openings actually specify PDF. While age and a photograph are needed on resumes for Korea, they are illegal in America. While being gay is no big deal in Thailand, it certainly is in Korea.
As an applicant, I have spent hours filling out forms that upon submission are automatically rejected for a reason not specified in the advertisement (e.g., age). If a school or recruiter only takes people under 45, then they should save applicants' time by posting that right up front rather than putting it only in a pop-up that appears after the application form has been completed. I have also run into a lot of forms that seem to have been formulated by someone unaware of the realities of the field. This includes demanding [ yes, "demanding," since the forms are coded so that anything else doesn't get processed.] things that many good candidates don't have (e.g., telephone numbers or addresses only from the U.S.). Often, forms do not allow for degrees that do not fall within a narrow range (B.A., B.S., M.A.). Many forms also have ambiguous fields such as "country." Is that where I am now, the country of my nationality, or what?
While Chris says that we should know the employer, many job offers are intentionally masked in terms such as "a school in Chile." Why should the applicant have to fill out forms etc. when the school or recruiter won't list basic information such as school name, city, and ages to be taught, much less pay range.
I find Chris's comment that " they often feel embarrassed by applicants who suggest bringing their own ideas and materials" interesting and surprising. Is this peculiar to Thailand? Except for schools such as Berlitz, I have gotten the impression that most places are open to new ideas — and many explicitly say so in their ads.
Chris's last point (about being in-country) is well taken; however, beware of being offered a job without getting the proper governmental permits. It leaves you open to all sorts of problems.
Stefanie Says:
September 24th, 2015 at 12:56
Amazing! Thanks for taking your time and share these knowledge with us. As a newbie, i truly appreciate it.
Dennis Schauffer Says:
September 24th, 2015 at 20:48
Dear Chris,
Your advice is truly useful and encouraging but one thorny issue is not mentioned: AGE.
I have good qualifications, followed all the good advice on how to apply for jobs and it worked! I received job offers – some of them incredibly lucrative. BUT when I tried to take up any of these offers, I hit a stone wall. I am too old!. If you are over 55 you cannot secure a work permit or visa anywhere in the world… and boy have I tried (26 countries). My advice to young prospective teachers is then to take the opportunity to teach abroad without delay. The age limit used to be 70 and now it is 55 … who knows what it will be tomorrow?
Leave a comment...


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|Boxing Champions | Boxing Schedule | Boxing Video | Boxing History | Pound For Pound | Lounge | The Wire | Arcade
|View Poll Results: Amir Khan Vs Victor Ortiz
|Amir Khan By KO
|Amir Khan By Decision
|Victor Ortiz By KO
|Victor Ortiz By Decision
|Voters: 24. You may not vote on this poll
Join Date: Dec 2010
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ortiz vs khan woulld be entertaining
"broken glasses and shattered dreams" would be fitting for bout name lol
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If khan could improve I believe it would be yet another long night for Ortiz but if not would turn out to be a short night for Khan!
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Ortiz by KO, and I haven't seen anything to make me think otherwise.
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khan would get ko'd
i think ortiz would walk right through his jab and unload. khan doesnt have power either to trouble ortiz only speed
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Yeah, Ortiz KO's Khan.
OK Jim...
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It looks like Khan is going to struggle against anyone with heavy hands..and Ortiz fits into that bracket.
Khan is much faster and if he could stay away from a big Ortiz shot then id take him to win a UD. Thing is i can't see Khan not taking shots as he has a leaky defence.
If Khan is to take on fighters with power in their punches he needs to stick to strict gameplans and improve his defence. They are things i can't see him improving too much on in the immediate future.
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If Khan boxed-smart, he'd stroll to a UD. But, since he's incapable of doing so, he'd probably get KTFO.
It wasn't that Garcia out-boxed Khan; it was that Khan, for whatever reason, decided to brawl - he and his team got it wrong. He's never been able to take power shots, so why he chose to fight for a protracted period on the inside is odd, even stupid.
2-3 shots, and then out would have got him a wide UD.
That said, he thoroughly deserved to get KTFO.
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Ortiz would eventually catch Amir with a big shot and KO him. But I still think that Amir can be an elite fighter. Amir has some of the fastest hands in the sport. His offense is second to none. The problem is, he just doesn't know how to slip shots and roll with punches. He has no legit defense. Plus, he is not a smart fighter who can adjust in the ring. He's going to have to drop Roach as a trainer. He has learned a lot from Freddie but its time to move on. This might sound crazy, but if I was him, I would turn to Mayweather Sr. Floyd Sr made Oscar a better defensive and more complete fighter. He could do the same with Amir. Oscar admitted that Floyd Sr was the best trainer he ever had. Amir needs to take some time off and decide if he ever wants to go to the next level. If so, Mayweather Sr is the one to take him there.
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The Richard Sharpe books by Bernard Cornwell have been popular reading ever since 1980 when Bernard Cornwell first introduced the rough and ready soldier. If you are lucky enough to own one of his first editions then not only do you own a great book, but you also probably own a book of value.
If you have a signed 1st edition so much the better as they seem to steadily increase in value over the years. There are only so many 1st editions around and to own a complete set of 1st signed or otherwise although not impossable to collect, would certainly cost a considerable amount of money.
However there are other options and if you have read any Bernard Cornwell you will appreciate that its worth owning a complete set of 'Sharpe' books even if they aren't all 1st editions.
The Sharpe books have been published in many countries, in many languages and different formats. When you take into account all the different reprints of these books you begin to get an idea of how many different versions exist. The artwork and in particular the spine artwork often changes with each new reprint.
There are four basic options of books to collect.
- Hardback - regular size
- Hardback - Book club size
- Trade size paperbacks (Generally hardback size with a soft cover)
- Paperback (Mass market size)
A Hardback set (normal size) are not only great to hold and read, they also look good within a cabinet or other display unit. Hardbacks will have an ISBN number.
A Hardback set of Book club edition books is also a very nice option, and some collectors prefer this size of book. Book club books generally have a CN number as opposed to an ISBN number.
There are a number of advantages in a Book club set of Sharpe books.
- They take up about half the space a set of normal size hardbacks would take up.
- They are generally cheaper and because they weigh less the postage should be less.(Always check with the seller which format a hardback is in if they don't give a ISBN or CN number.) When photographed and listed its often difficult to tell the difference. Use the ask seller a question if unsure.
The third option is to collect Trade size books.
The forth option is to collect a regular size set of mass market paperbacks.
Different artwork on different editions can mean that when a set of books are displayed side by side you don't get a pattern of repeating lines and colour bands running the length of the books, If you own a Bernard Cornwell Sharpe book take a moment to examine the spine. If you are going to add to your collection, then books having the same spine artwork theme will make your collection look much better when displayed. the serialisation of Bernard Cornwells books on TV has led to a number of books featuring Sean Bean on the cover. I personally think Sean Bean is a great actor and the TV series great viewing, but I prefer artwork on the cover of my books rather than a photograph of an actor.
Those of you familiar with the books and TV series will appreciate that there are many differences between the books and the TV interpretation and although both are enjoyable I prefer to maintain the gap between them.
The choice is a personal thing and I know that some collectors buy and collect Hardback's for display whilst owning a set of paperbacks at the same time.
I do however recommend that you try and read the series in historical date order. Chronologically the series starts with Richard Sharpe as a rifleman in India 1799. New conflicts arise as Sharpe gains promotion and moves around the globe encountering different enemies, including many British officers and belligerent NCO's.
The real advantage in following the series this way is that you never quite know who will get bumped off and who will reappear to haunt or assist Sharpe later on in his adventures.
If you are interested in building up a set of Sharpe books then ebay really is a great way to find and purchase your books. What I advise is always check with the seller as to format and artwork, and don't be afraid to ask questions. All good sellers should include a photograph and sufficient information within the item description as well as answering all questions from potentila buyers. When searching for Bernard Cornwell Sharpe books try typing CORNWALL instead of CORNWELL. You will be amazed at the number of sellers who regularly misspell this author' name.
Thank you for taking the time to read this guide and I hope you found it of some help or interest.
Please Tick the helpful Box


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Actor/playwright Colin Mitchell brings his acclaimed one-man show to the Hollywood Fringe for a limited run. Read More »
Home / Tag Archives: monologue
DVD Review: Gray's Anatomy (Criterion Collection)
Spalding Gray's last monologue Read More »
Theater Review (Seattle): The Agony and the Ecstasy of Steve Jobs by Mike Daisey at Seattle Repertory Theatre
Hilarious and provocative, like muckraking stand-up comedy. Read More »
Book Review: Talking Heads by Alan Bennett (Audio CD)
A theatrical sense of the absurd and tragic. Read More »


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Marketing is not a job. Marketing is not something you need to put on your daily to-do list. Marketing is acclimating your audience with the whole vision of your brand. Marketing is everything. Anything that can be used to give your fans or, potential fans, a better idea of what your music is all about and who you are as an artist. Marketing is any time you spread the word about your music; Every time you engage with … Continued
It's been a rough couple of years for the music industry. At this stage of the game, CD sales are barely part of the conversation, and it can feel discouraging and downright depressing if you are trying to earn actual money from making music. I believe the way a vast majority of artists will make money in 2016 and 2017 will be through crowdfunding. However, crowdfunding will not work unless you actually have a … Continued
So – as you know, I am a newsletter evangelist! I believe it is the NUMBER ONE thing that will help you create a career in the music industry; communicating with your fan base regularly and consistently. If you do not already have a schedule mapped out for sending your newsletters –get your calendar out NOW and pencil in 12 dates – 1X per month (I suggest you send your newsletter 2X per month but start … Continued
Are you still not sending out a regular newsletter to your followers? Are you under the impression they are old school and therefore not effective? Do you think that nobody reads them – just because you might not? Think again! Here is quote from Entrepreneur (August 2016) "Email marketing works 40 times better at getting customers than Facebook and Twitter, and compared to social media, it offers 17 percent higher conversion. The secret to success … Continued


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German architects Astoc have completed a monastery extension in
Duisberg Duisburg with walls that fold around the entrance like origami sculptures. More »
Tag: churches
Reading between the Lines
by Gijs Van Vaerenbergh
Belgian architects Pieterjan Gijs and Arnout Van Vaerenbergh have completed a see-through church in Limburg, Belgium. More »
Martin Luther Church by Coop Himmelb(l)au
Steel whirlpools spiral into skylights in the roof of a church in Austria by architects Coop Himmelb(l)au. More »
Christ's Resurrection Church
by Cino Zucchi Architetti
Photographer Filippo Poli has sent us these images of a Milan church with a grey, striped exterior by Italian studio Cino Zucchi Architetti. More »
St Hilaire church in Melle by Mathieu Lehanneur
French designer Mathieu Lehanneur has added stacked layers of white marble to create a podium in this Romanesque church in France. More »
Notre Dame Rosary Church by ENIA Architects
Stained glass panels perforate the exterior wall of this church in Paris by ENIA Architects, creating rectangles of colour on the interior of the double-height nave. More »
Chapel of St. Lawrence by Avanto Architects
Avanto Architects of Helsinki have designed this whitewashed funeral chapel with a copper roof in Vantaa, Finland. More »
Cultural and Spiritual Russian Orthodox Center
in Paris by Arch group and Sade Sarl
Russian architects Arch-group and French studio Sade Sarl last week won an international competition to design a Russian Orthodox church and cultural centre beside the Eiffel Tower in Paris. More »
Chapel of the Assumption Interior by John Doe
Tampa Covenant Church by Alfonso Architects
Alfonso Architects have designed a church in Tampa, Florida using the Fibonacci sequence to generate the proportions. More »
A House in a Church by Ruud Visser Architects
Dutch studio Ruud Visser Architects have tranformed a 1930s church into a house in Rotterdam, the Netherlands. More »
The Upside Dome by Gijs Van Vaerenbergh
Designers Gijs Van Vaerenbergh have suspended a network of chains to create an upside-down dome inside this church in Leuven, Belgium. More »
Parish House St. Josef by Frei + Saarinen Architects
Frei + Saarinen Architects of Switzerland renovated this 100 year-old parish centre in Zurich by installing walls at all angles. More »
Kuokkala Church by Lassila Hirvilammi
and Luonti
Finnish architects Anssi Lassila and Teemu Hirvilammi of Lassila Hirvilammi with Jani Jansson of Luonti have completed this slate-clad church with a separate steeple in Jyväskylä, Finland. More »
Catholic Church of the Transfiguration
by DOS Architects
London studio DOS Architects have won a competition to design a 2000-seat church in Lagos, Nigeria with this design featuring an undulating roof. More »
Infinity Chapel by hanrahanMeyers
New York studio hanrahanMeyers have completed the interior of a chapel in New York with curved walls. More »
Dezeen's top ten: churches
This month's top ten features Dezeen's most popular stories about churches, starting with this concrete project in Foligno, Italy, by Massimiliano and Doriana Fuksas Architects. More »
Dove of Peace by Sunlay Design
Beijing studio Sunlay Design have designed a church for Ordos in Inner Mongolia, which has a plan based on the profile of a bird in flight. More »
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Christine Quinn Attends Kabbalat Shabbat Service
In yet another indication Christine Quinn is targeting the Orthodox Jewish vote, Attorney General Eric Schneiderman accompanied Christine Quinn, Friday night, to an Orthodox Shul on the Upper West Side – Ohev Tzedek. According to the WSJ's Michael Howard Saul, Ms. Quinn sat in the women's section of the synagogue – called the Ezrat Nashim.
(h/t Robert Adler)
Jacob Kornbluh
About the Author: Jacob Kornbluh is described as an up and coming Orthodox Jewish Blogger, writing about Local, national and Israeli politics, and a freelance reporter for various publications. Kornbluh's work has been featured in Haaretz, the NY Times, local blogs, and on local Jewish Radio, Kornbluh also covers the NYC 2013 mayoral race in general and a focus on the Jewish vote in particular at: http://nymayor.blogspot.com. Follow Jacob on Twitter @jacobkornbluh and his daily blog: jacobkornbluh.com
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Quotes & Info
|ACRE > SEC Filings for ACRE > Form 10-Q on 7-Nov-2012
|All Recent SEC Filings
Quarterly Report
The information contained in this section should be read in conjunction with our consolidated financial statements and notes thereto appearing elsewhere in this Quarterly Report. In addition, some of the statements in this quarterly report (including in the following discussion) constitute forward-looking statements, which relate to future events or the future performance or financial condition of Ares Commercial Real Estate Corporation (except where the context suggests otherwise, together with our consolidated subsidiaries, the "Company," "ACRE," "we," "us," or "our"). The forward-looking statements contained in this quarterly report involve a number of risks and uncertainties, including statements concerning:
† use of proceeds from our initial public offering (the "IPO");
† our business and investment strategy;
† our projected operating results;
† the timing of cash flows, if any, from our investments; † the state of the U.S. economy generally or in specific geographic regions;
† defaults by borrowers in paying debt service on outstanding items;
† actions and initiatives of the U.S. Government and changes to U.S. Government policies;
† our ability to obtain financing arrangements;
† the amount of commercial mortgage loans requiring refinancing;
† financing and advance rates for our target investments;
† our expected leverage;
† general volatility of the securities markets in which we may invest;
† the impact of a protracted decline in the liquidity of credit markets on our business;
† the uncertainty surrounding the strength of the U.S. economic recovery;
† the return or impact of current and future investments;
† allocation of investment opportunities to us by Ares Commercial Real Estate Management LLC (our "Manager");
† changes in interest rates and the market value of our investments;
† effects of hedging instruments on our target investments;
† rates of default or decreased recovery rates on our target investments;
† the degree to which our hedging strategies may or may not protect us from interest rate volatility;
† changes in governmental regulations, tax law and rates, and similar matters (including interpretation thereof);
† our ability to maintain our qualification as a real estate investment trust ("REIT");
† our ability to maintain our exemption from registration under the Investment Company Act of 1940 ("1940 Act");
† availability of investment opportunities in mortgage-related and real estate-related investments and securities;
† the ability of our Manager to locate suitable investments for us, monitor, service and administer our investments and execute our investment strategy;
† availability of qualified personnel;
† estimates relating to our ability to make distributions to our stockholders in the future;
† our understanding of our competition; and
† market trends in our industry, interest rates, real estate values, the debt securities markets or the general economy.
We use words such as "anticipate," "believe," "expect," "estimate," "plan," "continue," "intend," "will," "should," "may" and other similar expressions to identify forward-looking statements, although not all forward-looking statements include these words. Our actual results and condition could differ materially from those projected in the forward-looking statements for any reason, including the factors set forth in "Risk Factors" below and in the final prospectus relating to our IPO (the "Prospectus"), dated April 25, 2012, filed with the Securities and Exchange Commission ("SEC") in accordance with Rule 424(b) of the Securities Act of 1933, as amended (the "Securities Act"), on April 27, 2012.
We have based the forward-looking statements included in this Quarterly Report on information available to us on the date of this Quarterly Report, and we assume no obligation to update any such forward-looking statements.
We are a recently organized specialty finance company focused on originating, investing in and managing middle-market commercial real estate ("CRE") loans and other CRE related investments. We target borrowers whose capital needs are not being met in the market by offering customized financing solutions. We implement a strategy focused on direct origination combined with experienced portfolio management through our Manager's servicer, which is a Standard & Poor's-ranked commercial primary servicer and commercial special servicer that is included on Standard & Poor's Select Servicer List, to meet our borrowers' and sponsors' needs.
Our investment objective is to generate attractive risk-adjusted returns for our stockholders, primarily through dividends and distributions and secondarily through capital appreciation. We believe the availability of capital in the CRE middle-market is limited and borrowers and sponsors have the greatest need for customized solutions in this segment of the market. We act as a single "one stop" financing source by providing our customers with one or more of our customized financing solutions. Our customized financing solutions are comprised of our "target investments," which include the following:
† "Transitional senior" mortgage loans that provide strategic, flexible, short-term financing solutions on transitional CRE middle-market assets. These assets are typically properties that are the subject of a business plan that is expected to enhance the value of the property. The mortgage loans are usually funded over time as the borrower's business plan for the property is executed. They also typically have a lower initial loan-to-value ratios as compared to "stretch senior" mortgage loans, with the loan-to-value ratios increasing as the loan is further funded over time;
† "Stretch senior" mortgage loans that provide flexible "one stop" financing on quality CRE middle-market assets. These assets are typically stabilized or near-stabilized properties with healthy balance sheets and steady cash flows, with the mortgage loans having higher leverage (and thus higher loan-to-value ratios) than conventional mortgage loans and are typically fully funded at closing and non-recourse to the borrower (as compared to conventional mortgage loans, which are usually recourse to the borrower);
† "Subordinate debt" mortgage loans (including subordinate tranches of first lien mortgages, or B-Notes) and mezzanine loans, both of which provide subordinate financing on quality CRE middle-market assets; and
† "Other CRE debt and preferred equity investments," together with selected other income-producing equity investments.
We are externally managed and advised by our Manager, a SEC registered investment adviser, pursuant to the terms of a management agreement. Our Manager is an affiliate of Ares Management LLC ("Ares Management"), a global alternative asset manager and also a SEC registered investment adviser with approximately $56 billion of total committed capital under management as of September 30, 2012.
We are a Maryland corporation that commenced investment operations on December 9, 2011. On May 1, 2012 we completed our IPO of 7.7 million shares of our common stock at a price of $18.50 per share, raising $139.1 million in net proceeds. We used approximately $47.3 million of the net proceeds to repay outstanding amounts under our secured funding facilities and approximately $6.3 million to redeem all of our issued and outstanding shares of Series A Convertible Preferred Stock, par value $0.01 per share (the "Series A Preferred Stock"). The balance was used for general corporate working capital purposes and to make investments in our target investments.
We are an "emerging growth company," as defined in the Jumpstart Our Business Startups Act of 2012 (the "JOBS Act"), and we are eligible to take advantage of certain exemptions from various reporting requirements that are applicable to other public companies that are not "emerging growth companies" including, but not limited to, not being required to comply with the auditor attestation requirements of Section 404 of the Sarbanes-Oxley Act of 2002, reduced disclosure obligations regarding executive compensation in our periodic reports and proxy statements, and exemptions from the requirements of holding a non-binding advisory vote on executive compensation and stockholder approval of any golden parachute payments not previously approved. We have not made a decision whether to take advantage of any or all of these exemptions. If we do take advantage of any of these exemptions, we do not know if some investors will find our common stock less attractive as a result. The result may be a less active trading market for our common stock and our stock price may be more volatile.
In addition, Section 107 of the JOBS Act also provides that an "emerging growth
company" can take advantage of the extended transition period provided in
Section 7(a)(2)(B) of the Securities Act for complying with new or revised accounting standards. However, we are choosing to "opt out" of such extended transition period, and as a result, we will comply with new or revised accounting standards on the relevant dates on which adoption of such standards is required for non-emerging growth companies. Section 107 of the JOBS Act provides that our decision to opt out of the extended transition period for complying with new or revised accounting standards is irrevocable.
We could remain an "emerging growth company" for up to five years, or until the earliest of (i) the last day of the first fiscal year in which our annual gross revenues exceed $1 billion, (ii) the date that we become a "large accelerated filer" as defined in Rule 12b-2 under the Securities Exchange Act of 1934, as amended (the "Exchange Act"), which would occur if the market value of our common stock that is held by non-affiliates exceeds $700 million as of the last business day of our most recently completed second fiscal quarter, or (iii) the date on which we have issued more than $1 billion in non-convertible debt during the preceding three year period.
Factors Impacting Our Operating Results
The results of our operations are affected by a number of factors and primarily depend on, among other things, the level of our net interest income, the market value of our assets and the supply of, and demand for, commercial mortgage loans, CRE debt and other financial assets in the marketplace. Our net interest income, which reflects the amortization of origination fees and direct costs, is recognized based on the contractual rate and the outstanding principal balance of the loans we originate. Interest rates will vary according to the type of investment, conditions in the financial markets, credit worthiness of our borrowers, competition and other factors, none of which can be predicted with any certainty. Our operating results may also be impacted by credit losses in excess of initial anticipations or unanticipated credit events experienced by borrowers.
Changes in Fair Value of Our Assets. We generally hold our target investments as long-term investments. We evaluate our investments for impairment on at least a quarterly basis and impairments will be recognized when it is probable that we will not be able to collect all amounts due according to the contractual terms of the loan. If a loan is considered to be impaired, we will record an allowance to reduce the carrying value of the loan to the present value of expected future cash flows discounted at the loan's contractual effective rate, or if repayment is expected solely from the collateral, the fair value of the collateral.
Loans are collateralized by real estate and as a result, the extent and impact of any credit deterioration associated with the performance and/or value of the underlying collateral property, as well as the financial and operating capability of the borrower, are regularly evaluated. We monitor performance of our investment portfolio under the following methodology: (1) borrower review, which analyzes the borrower's ability to execute on its original business plan, reviews its financial condition, assesses pending litigation and considers its general level of responsiveness and cooperation; (2) economic review, which considers underlying collateral, i.e. leasing performance, unit sales and cash flow of the collateral and its ability to cover debt service as well as the residual loan balance at maturity; (3) property review, which considers current environmental risks, changes in insurance costs or coverage, current site visibility, capital expenditures and market perception; and (4) market review, which analyzes the collateral from a supply and demand perspective of similar property types, as well as from a capital markets perspective. Such impairment analyses are completed and reviewed by asset management and finance personnel who utilize various data sources, including periodic financial data such as property occupancy, tenant profile, rental rates, operating expenses, and the borrower's exit plan, among other factors.
As of September 30, 2012 and December 31, 2011, all loans were paying in accordance with their terms. There were no impairments during the three and nine months ended September 30, 2012.
Although we generally hold our target investments as long-term investments, we may occasionally classify some of our investments as available-for-sale. Investments classified as available-for-sale will be carried at their fair value, with changes in fair value recorded through accumulated other comprehensive income, a component of stockholders' equity, rather than through earnings. We do not expect to hold any of our investments for trading purposes.
Changes in Market Interest Rates. With respect to our proposed business operations, increases in interest rates, in general, may over time cause:
† the interest expense associated with our borrowings to increase;
† the value of our mortgage loans to decline;
† coupons on our mortgage loans to reset to higher interest rates; and
† to the extent we enter into interest rate swap agreements as part of our hedging strategy, the value of these agreements to increase.
Conversely, decreases in interest rates, in general, may over time cause:
† the interest expense associated with our borrowings to decrease, subject to any applicable floors;
† the value of our mortgage loan portfolio to increase, subject to any applicable floors;
† to the extent we enter into interest rate swap agreements as part of our hedging strategy, the value of these agreements to decrease; and
† coupons on our floating rate mortgage loans to reset to lower interest rates.
Credit Risk. We are subject to varying degrees of credit risk in connection with our target investments. Our Manager seeks to mitigate this risk by seeking to originate or acquire investments of higher quality at appropriate prices given anticipated and unanticipated losses, by employing a comprehensive review and selection process and by proactively monitoring originated or acquired investments. Nevertheless, unanticipated credit losses could occur that could adversely impact our operating results and stockholders' equity.
Market Conditions. We believe that our target investments currently present attractive risk-adjusted return profiles. We believe that the U.S. CRE markets are currently in the initial stages of a recovery from the severe economic downturn that began in 2007. Following a dramatic decline in CRE lending in 2008 and 2009, debt capital has become more readily available for select stabilized, high quality assets in certain locations such as gateway cities, but remains limited for many other types of properties. For example, we currently anticipate a high demand for customized debt financing from borrowers or sponsors who are looking to refinance indebtedness that is maturing in the next two to five years or are seeking shorter-term debt solutions as they reposition their properties. In addition, we believe the uncertainty surrounding multifamily mortgage finance may provide us incremental lending opportunities in the future as Congress considers restructuring Fannie Mae and Freddie Mac, who have been the most significant sources of multifamily debt capital in recent years.
We believe that as a result of the aforementioned economic downturn and the subsequent banking regulatory reform, a number of lenders and finance companies who traditionally served the CRE middle-market, are burdened with legacy portfolio issues, balance sheet constraints or have otherwise exited the market. In particular, smaller and regional banks who represented a large portion of the CRE market prior to the downturn have sharply curtailed their CRE lending activities. We believe that this decreased competition will create a favorable investment environment for the foreseeable future. We also believe that we are well positioned to capitalize on the expected demand generated by the estimated $1.8 trillion of CRE debt maturing between 2012 and 2016 (as reported in Commercial Real Estate Outlook: Top Ten Issues in 2012 published by Deloitte & Touche LLP).
Results of Operations
We commenced operations on December 9, 2011 and completed our IPO on May 1, 2012. Therefore, we have no period to compare operating results for the three or nine months ended September 30, 2012. In addition, the proceeds of our IPO were used in part to fully repay all of the outstanding balances on our various secured funding arrangements as of the date of the IPO, including all accrued interest due, and to fully redeem all of our issued and outstanding shares of Series A Convertible Preferred Stock, par value $0.01 per share ("Series A Preferred Stock"), including payment of all dividends due and applicable redemption premiums. As a result, at September 30, 2012, we had no issued and outstanding Series A Preferred Stock and $24.0 million in unrestricted cash and cash equivalents. Results for the initial period of our operations are not indicative of the results we expect when our investment strategy has been fully implemented.
For the three and nine months ended September 30, 2012, our net income (loss) attributable to our common stockholders was $(554) thousand and $(895) thousand, respectively or earnings (loss) of $(0.06) and $(0.16) per basic and diluted common share, respectively. For the three and nine months ended September 30, 2012, we earned approximately $1.5 million and $3.3 million, respectively in net interest margin. For the three and nine months ended September 30, 2012, interest income of $1.9 million and $4.4 million, respectively, was generated by average earning assets of $98.2 million and $74.2 million, respectively, offset by $398 thousand and $1.1 million, respectively, of interest expense from average secured funding agreements of $4.3 million and $15.6 million, respectively.
For the three and nine months ended September 30, 2012, we incurred operating expenses of $2.0 million and $3.5 million, respectively. Related party expenses for the three and nine months ended September 30, 2012 include $625 thousand and $1.0 million, respectively, in management fees due to our Manager, and $632 thousand and $934 thousand, respectively, for our share of allocable general and administrative expenses for which we are required to reimburse our Manager pursuant to the management agreement, dated April 25, 2012, between us and our Manager. Also included in general and administrative expenses reimbursed to our Manager for the three and nine months ended September 30, 2012 are $0 and $17 thousand, respectively, of servicing fees. Servicing fees were charged to Ares Commercial Real Estate Services LLC ("ACRES"), an affiliate of our Manager, through May 1, 2012. Effective May 1, 2012, ACRES agreed that no servicing fees will be charged pursuant to these servicing agreements for so long as the management agreement remains in effect, but that ACRES will continue to receive reimbursement for overhead related to servicing and operational activities pursuant to the terms of the management agreement. Other expenses for the three and nine months ended September 30, 2012, includes professional fees of $292 thousand and $706 thousand, respectively, and general and administrative expenses of $496 thousand and $827 thousand, respectively.
For the three and nine months ended September 30, 2012, we paid $0 and $102 thousand, respectively, in dividends to the holders of Series A Preferred Stock. The Series A Preferred Stock was redeemed on May 1, 2012 using the proceeds of our IPO. For the nine months ended September 30, 2012, we incurred $572 thousand in the accretion of redemption premium related to the Series A Preferred Stock.
Our investment portfolio is comprised of the following at September 30, 2012:
Remaining Square Footage/ Origination Maturity Life Loan Type/Location Units Date Date(1) (Years) Transitional Senior Mortgage Loans Office Complex in Austin, TX 270,000 sq. ft Feb 2012 Mar 2015 2.4 Office Building in Denver, CO 173,000 sq. ft Dec 2011 Jan 2015 2.3 Apartment Building in New York, NY 101 units Sep 2012 Oct 2017 5.0 Apartment Building in Avondale, AZ 301 units Aug 2012 Oct 2015 2.8 Stretch Senior Mortgage Loans Office Building in Boston, MA 152,000 sq. ft Feb 2012 Mar 2015 2.4 Office Building in Miami, FL 286,000 sq. ft Sep 2012 Oct 2015 3.0 Subordinated Debt Investments Office Building in Atlanta, GA 175,000 sq. ft Aug 2012 Sep 2017 4.8 Office Building in Fort Lauderdale, FL 257,000 sq. ft Jan 2012 Feb 2015 2.3 Average 3.2
(amounts in millions, except Unleveraged percentages) Total Outstanding Carrying LTV Interest Origination Exit LIBOR Effective Loan Type/Location Commitment Principal Amount At Origination Rate Fee Fee Floor Yield Transitional Senior Mortgage Loans L+5.75% - Office Complex in Austin, TX $ 38.0 $ 30.3 $ 29.8 70% L+5.25% 1.0% 0.5%(2) 1.0% 7.5% Office Building in Denver, CO 11.0 6.6 6.5 38% L+5.50% 1.0% 1.0% 1.0% 7.3% Apartment Building in New York, NY 36.1 30.8 30.5 65% L+5.00% 1.0% 0.5% 0.8% 6.1% Apartment Complex in Avondale, AZ 22.1 20.6 20.4 68% L+4.25% 1.0% 0.8% 1.0% 5.9% Stretch Senior Mortgage Loans Office Building in Boston, MA 34.9 34.9 34.6 88% L+5.65% 1.0% 0.5% 0.7% 6.8% Office Building in Miami, FL 47.0 47.0 46.5 76% L+5.25% 1.0% -(1) 1.0% 6.6% Subordinated Debt Investments Office Building in Atlanta, GA 14.3 14.3 14.3 75% 10.5% 1.0% - - 10.8% Office Building in Fort Lauderdale, FL 15.0 8.0 (3) 7.9 51% L+10.75%-L+8.18% 1.0% 0.5%(4) 0.8% 12.1% Total $ 218.4 $ 192.5 $ 190.5 7.2%
(2) The initial interest rate for this loan of L+5.75% steps down based on performance hurdles to L+5.25%.
(3) The total commitment we co-originated was a $37 million first mortgage, of which a $22 million A-Note was fully funded by Citibank, N.A. We retained a $15 million B-Note.
(4) This loan was structured using an A-Note/B-Note structure which priced at L+5.25% on a cumulative basis with the LIBOR component subject to a minimum rate of 0.75%. The fully funded A-Note priced at L+3.25% (with the LIBOR component of the rate subject to a minimum rate of 0.75%) resulting in an interest rate on our B-Note at initial funding of $8 million of L+10.75% (with the LIBOR component subject to a minimum rate of 0.75%). Upon the B-Note becoming fully funded at $15 million, its effective interest rate will decrease to L+8.18% (with the LIBOR component subject to a minimum rate of 0.75%).
Liquidity and Capital Resources
Liquidity is a measure of our ability to meet potential cash requirements, including ongoing commitments to repay borrowings, fund and maintain our assets and operations, make distributions to our stockholders and meet other general business needs. We will use significant cash to purchase our target investments, repay principal and pay interest on our borrowings, make distributions to our stockholders and fund our operations, including base management fees, incentive management fees and reimbursements for expenses for our share of overhead expense incurred by our Manager. Our primary sources of cash will generally . . .


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Wettstein Jay B DMD telephone number is (541) 889-6666.
Telefax: No fax number available
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Biz owner? Moderate reviews or edit listing.
Search entire category for Developmental Health Services
Developmental health services in Ontario denote services like social work, nursing, psychiatry, etc, that enhance the independence, integration & productivity of the indivuals availing the service. These services are rendered by professional staff in groups or individually.
Alliance for Green Heat and NYSERDA Announce Seven Finalists in International Pellet Stove Competition
Two New York teams are among the finalists (Long Island, NY) Alliance for Green Heat and the New York State Energy Research and Development Authority (NYSERDA) today announced that seven pellet stoves have been chosen as finalists in the Pellet Stove Design Challenge. This international competition, administered by the Alliance for Green Heat, identifies innovative low emissions and high efficiency..


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A 22-year-old Athens man sustained cuts to his face and injuries all over his body after two men pushed him down, punching and kicking him as they tried to steal his wallet and phone at the intersection of North Avenue and Willow Street around midnight Friday, police said.
Officers found the man sitting in front of a pool of his own blood, according to a report.
It's time to submit your nominations for The Water Conservation Leadership Award, which recognizes an individual, business, group, or other organization in Athens-Clarke County that has demonstrated a commitment to protecting our water resources through water conservation.
The Water Conservation Leadership Award recipient will be notified of their selection by April 13th, 2012 and the Water Conservation Leadership Award will be presented at the GreenFest Environmental Awards Ceremony in the UGA School of Ecology auditorium on April 20th, 2012.
Chris E. Malone has joined the staff of Athens Heart Center.
Casimir C. Akoh, a research professor in the University of Georgia's Department of Food Science and Technology, will receive the American Oil Chemists' Society's highest honor, the Supelco/Nicholas Pelick Research Award.
Offering local coffee and baked goods, Athens businessman Manuel Robledo is moving into the coffee business with Sips Espresso Cafe. Sips is on the corner of Prince and Satula avenues and owned by the same family that runs Agua Linda and Los Compadres.
NEW YORK — Oprah Winfrey has landed an interview with Whitney Houston's daughter and other family members for a TV special that will air on the Oprah Winfrey Network.
SAVANNAH — The GOP presidential candidates are fighting to win over conservative voters in the Bible Belt as the race takes on a more prominent Southern focus.
Elizabeth Goss sees her daughter each time she looks at Marcus and Markel, the grandsons she's raised since their mother went missing nearly a decade ago.
Occupy Athens - formerly a fixture at the University of Georgia's Arch - plans to stake out City Hall until the Athens-Clarke Commission agrees to hold four public hearings on the proposed downtown Walmart.
ATLANTA — Overnight thunderstorms damaged at least 40 homes in northwest Georgia and left hundreds without power in metro Atlanta on Saturday as many of the state's southern counties were on alert for possibly more severe weather.
WASHINGTON — President Barack Obama says higher auto mileage standards set under his administration and better cars built by a resurgent U.S. auto industry will save money at the gas pump over the long term, a counterpoint to Republican criticism of his energy policy.
DAMASCUS, Syria — The bodies of two foreign journalists who were killed in shelling while trapped inside a besieged district in the central Syrian city of Homs have left Syria late Saturday on board a French plane to Paris, the Polish Foreign Ministry said.
TRENTON, N.J. — Children who may have taken breast cancer treatment medication mistakenly distributed by a New Jersey pharmacy instead of prescribed fluoride pills likely won't suffer any health problems, a pharmaceutical expert said Saturday.
CHARDON, Ohio — Hundreds of people stood shoulder to shoulder along the street on a cold, windy Saturday morning to honor one of three teenagers killed in a high school shooting.
WARREN, Ohio — A man, woman and two girls died Saturday in a house fire in northeast Ohio, fire officials said.
NEW YORK — BP's multibillion-dollar settlement with people and businesses harmed by its 2010 oil spill removes some uncertainty about the potential financial damages it faces. It also may help the company restore its all-important relationship with the federal government.
PYONGYANG, North Korea — North Korean leader Kim Jong Un has urged troops on the heavily armed border with rival South Korea to stay on high alert during a rare visit to the Demilitarized Zone.
TEMPE, Ariz. — Police made one arrest and were looking for two other suspects after a shootout amid a large crowd outside an Arizona nightclub left more than a dozen people wounded and set off a chaotic scene as the injured screamed for help and hundreds tried to flee.
WASHINGTON — Mitt Romney rolled to a double-digit victory in Washington state's Republican presidential caucuses Saturday night, his fourth campaign triumph in a row and a fresh show of strength in the run-up to 10 Super Tuesday contests in all regions of the country.
WASHINGTON — Conservative talk show host Rush Limbaugh apologized Saturday to a Georgetown University law student he had branded a "slut" and "prostitute" after fellow Republicans as well as Democrats criticized him and several advertisers left his program.
SURABAYA, Indonesia — The only giraffe at Indonesia's largest zoo has died with a large lump of plastic found in his stomach, causing concern among zoo officials.
WILLOUGHBY, Ohio — This state's Super Tuesday primary is proving to be the perfect microcosm of the nation's unruly race for the Republican presidential nomination: Mitt Romney is spending lots of money, Rick Santorum is aggressively courting conservatives and Newt Gingrich is counting on big ideas to swing votes his way.
NEW YORK — Stepping into an emerging culture clash over women, President Barack Obama made a supportive phone call Friday to a law student who testified before Congress about the need for birth control coverage, only to be called a "slut" by Rush Limbaugh.
HENRYVILLE, Ind. — Powerful storms leveled small towns in southern Indiana, transforming entire blocks of homes into piles of debris, tossing school buses into a home and a restaurant and causing destruction so severe it was difficult to tell what was once there. As night fell, dazed residents shuffled through town, some looking for relatives, while rescue workers searched the rubble for survivors. Without power, the only light in town came from cars that crawled down the streets.
PALM BEACH GARDENS, Fla. - Tiger Woods finished his round before the leaders made the turn Saturday in the Honda Classic, only this time, thousands of fans didn't head for the parking lot.
LITHONIA - The top-rated unsigned basketball player in Georgia stands at the end of the bench encouraging his teammates in the final quarter of a blowout victory in the state playoffs.
At 12 years old, Amy Gayer may be the youngest competitor in today's Early Bird Sprint Triathlon, but she's already a race veteran. Since running in her first 5k when she was 7, she has completed more than 100 of them.
What started out as a game to forget for Georgia ended as a Senior Day to remember Saturday for Bulldogs guard Gerald Robinson.
NASHVILLE, Tenn. - Ashley Bruner scored 12 points as No. 25 South Carolina beat No. 16 Georgia 59-55 on Friday night in the Southeastern Conference quarterfinals.
Athens, GA • Athens Banner-Herald ©2016. All Rights Reserved.


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April 22 2016
Art Official Media is a media company that publishes a wide range of books, magazines, and digital products for the consumer and education markets. We specialize in producing and distributing content …
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Art Official Media — Indianapolis, IN
April 07 2016
The communications intern will work with both the events promotion, marketing team to create engagement for our audiences online and at several events like books signings and trade shows.
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Push Online Marketing is a Google certified internet marketing and web design agency focused on creating the most effective and comprehensive marketing campaigns to achieve the growth and goals our clients are after.
Do you need to create a website for your business but don't know where to start? Do you want to grow your business and have a greater online presence? Want to learn how Google Adwords and Pay Per Click Advertising can help you hone in on potential customers and increase their numbers?
We have the solutions to your online marketing needs. From web design and branding, to Internet marketing, to Search Engine Optimization and social media, we will develop a complete online marketing plan for your business and help you reach your marketing targets.


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Each month, direct to your email inbox, we'll send the best camping news, tips, recipes and more, to enhance the camping lifestyle that you love so much. Learn More
Delicious homemade pizza meets camping in this easy grilling recipe.
Learn tips for proper RV lubrication in our latest RV maintenance video.
Looking for a family vacation spot? Learn why KOA is the perfect solution.
Plan the perfect trip from home or on the road with the official KOA app. Learn More
Open March 1 - October 31
Reserve: 800-562-4169
Info: 208-324-4169
5431 US Highway 93
Jerome, ID 83338Get Directions
From Interstate 84: Exit 173 and go 1 mile North on US 93.
From Nevada: Drive North on US 93 until it becomes Poleline Road in Twin Falls. Turn left at Blue Lakes Blvd. and drive North across Snake River Canyon/Perrine Bridge and continue for about 4 miles. Blue Lakes Blvd becomes US 93 as you cross the bridge.Get Google Directions
Camper Rating 4 out of 5


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Caradoc Evans was born into the Welsh-speaking farming culture of Carmarthenshire in West Wales, and was brought up in the village of Rhydlewis in neighbouring Cardiganshire. Though the community was entirely Welsh-speaking, he learnt to speak English at elementary school – where this compulsory medium of instruction was generally seen by the English education establishment as an essential part of the project to bring progress to Wales. A linguistic tension between English as the language of the modern and Welsh as the language of agricultural tradition was at the heart of much of his writing. Leaving school at the standard age of fourteen, Caradoc was apprenticed to his uncle, a draper in the county town of Carmarthen. He moved onto p…
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Hopkins, Chris. "Caradoc Evans". The Literary Encyclopedia. First published 13 November 2002
[http://www.litencyc.com/php/speople.php?rec=true&UID=1455, accessed 25 September 2016.]


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Area hockey teams involved in PIHL title chases
Bill Wager didn't promise anything beyond being more competitive and winning games in his first season as McDowell hockey coach.
In his heart, there was one goal -- win a championship in the former longtime PIHL Class AAA program's first season in that league's Open division.
"We want to be there in the end because these boys have deserved an opportunity to win," Wager said of a Trojans club that has a 10-4-0 Open division mark this season after losing 36-of-42 games by a combined 328-95 score in AAA the past two years. "For a couple of years they didn't have that, and we've given it back to them."
The Trojans are in the middle of a tight division led by Harbor Creek (16-1-0), which like McDowell has used a balanced lineup -- junior forwards Logan Conboy (33 goals, 26 assists, 59 points) and Nick Rocco (25 goals, 30 assists, 55 points) rank first and second on the division scoring list -- to overcome a small 13-player roster. Along the way, the Huskies and Trojans (10 full-time players and four call-ups) have developed a rivalry that could have an impact on the championship chase.
"It's a competitive, high-spirited game when we play McDowell," Harbor Creek coach Paul Markiewicz said. "It definitely has created a rivalry that didn't exist when we were the only Open division team within the PIHL. The upper-echelon teams are very good and very competitive, and that includes McDowell at this point."
McDowell wants to rejoin AAA in the future. The move to Open has provided an opportunity to rebuild the foundation needed to reach that level. But for 10 seniors, this is their last chance to accomplish a goal that didn't seem real while struggling to an 0-21-0 mark a season ago.
"Dropping down to Open really helped us figure out how to play hockey," senior captain Max Swahn said. "Our team connected on a level that we weren't used to, and we were able to build chemistry and produce a lot more this year."
Harbor Creek wants to win an Open division championship that has eluded them the past few seasons.
"From the start of the season, we thought that this was a championship-or-bust season," senior captain Ryan Markiewicz said. "We've been right in the mix the past couple of years. We know this year what it's going to take."
The Trojans are learning what it takes to win as well.
"It was a good move for us to make at this time until we're able to grow the program again," Wager said of playing in the Open division. "Part of growing it is seeing a winning atmosphere. We have created a winning atmosphere here and a winning culture."
After an inconsistent start, Cathedral Prep has moved into solid position for a PIHL Class AA championship in Craig Barnett's first season as coach. The Ramblers have risen to second in the overall standings with an 13-3-2 record, two points behind a Bishop Canevin club they beat in overtime earlier this season. They have won with a strong offense and a defense led by junior goaltender Grant Kennedy, who ranks among the league leaders with a 13-3-2 record, 2.64 goals-against average, .889 save percentage and one shutout.
Barnett said the team has improved in two key areas -- special teams and third-period play -- especially in recent wins against playoff contenders Armstrong and Chartiers Valley.
"At this point, I like where we are," he said. "You always want to finish strong, and that's what we're telling the boys. The boys are playing really well right now (after) a bit of a roller-coaster ride in the early part. We're looking forward to trying to position ourselves to be able host a first-round game in the playoffs and take it from there."
Meanwhile, Meadville is focused on winning a Lakeshore Hockey League championship, which would infuse some confidence into a young team that has struggled to a 9-24-4 overall record this season, including as the Crawford County Youth Hockey Association Flames in the PAHL's Class AA Midget U18 division.
The Bulldogs stand atop the LSHL with a 5-0-1 record -- ahead of Fairview (2-2-2), Jamestown and Fort LeBoeuf (0-5-0), who has a new coach in Rob Stroul.
"I almost think sometimes we're waiting for the next bad thing to happen," coach Jamie Plunkett said. "A (Lakeshore title) would help our confidence."
Wins have turned the Trojans into a confident team.
"We're going to make the playoffs. But I had no less expectation than getting to the playoffs," Wager said. "It's still our goal to win it."
VICTOR FERNANDES can be reached at 870-1716 or by e-mail. Follow him on Twitter at www.twitter.com/goeriehockey. Read the Shootout hockey blog at GoErie.com/blogs/shootout and post comments.


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Lole Motion Pants
Manufacturer's Description
Visit Lole's Motion Pants page.
Retailers' Descriptions
Here's what other sites are saying:
CLOSEOUTS . Whether youand#39;re a regular at yoga class or youand#39;re a regular at the next big sale, Loleand#39;s Motion pants are designed to set you free in stretchy, smooth comfort. Available Colors: BLACK, DARK CHARCOAL, BLACKBERRY. Sizes: 2XS, XS, S, M, L, XL.
- Sierra Trading Post
Lole Motion Pants
The Lole Motion Pants is not available from the stores we monitor. It was last seen November 21, 2015 at Sierra Trading Post.
If you're looking for a new performance pant/tight, check out the best reviewed current models.


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Lulu Barnard
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Copywriting (2010)Vega school of brand leadership
Develop techniques for generating focused ideas Develop writing skills to become an effective communicator Focus sales messages Write in a way that connects with customers Write advertising communication that boosts sales or business opportunities Understand how to write for different media: print, radio and digital (web writing and banner ad campaigns) Think visually, laterally and conceptually
Digital Marketing (2011)Quirk
Digital Marketing Strategy • Understand digital marketing strategy, and why is it essential to your overall marketing plan • Discover the questions you need to answer in order to develop your strategy Market Research and Content Strategy • Learn to conduct user research, to understand what customers want and need from you • Implement a content marketing strategy that engages customers and creates value Creating your Digital Assets • Learn about user experience design to ensure your digital assets are engaging and user friendly • Ensure your business has an amazing website that meets your customers' digital needs • Write effective, engaging online copy for time-starved readers and search engines Managing Customer Relationships and Social Media • Understand customer relationship management (CRM) and the role it plays in creating and growing positive customer relationships • Choose the best social media tools for your brand, engage social audiences effectively, and nurture your brand online Search Engine Marketing • Learn how to get your website to the top of the search results through best-practice search engine optimisation • Advertise your brand on search engines, using the direct and cost-effective method of pay-per-click advertising Online Advertising • Discover various cost-effective ways of promoting your business online using online advertising channels • Advertise your brand across the web using banner ads, social media ads and mobile advertising • Get added exposure for your brand through affiliate marketing Digital Direct Channels • Take advantage of video marketing – an engaging approach to online content marketing • Implement a successful email marketing strategy – still one of the most effective ways to engage with customers online • Learn about the many tools, tips and practices for successful mobile marketing Optimising Your Digital Campaigns • Discover the valuable data and powerful insights you can gain from web analytics by measuring online activity from your marketing campaigns • Make your current strategies more effective and affordable by testing and constantly improving your digital marketing efforts
Web development (2001)Van Zyl and Prichard
HTML advanced CSS advanced ETC
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U.S. Customs and Border Protection officials seized nearly $1.7 million in counterfeit sports team merchandise from a shipment at the Port of Charleston.
Officers discovered the 36,000 pieces of Major League Baseball and National Basketball Association clothes and gear in a container they selected for screening in October, according to CBP officials. The merchandise bore fake teams logos, including those of the New York Yankees, the Chicago Cubs and the Florida Marlins.
Officials listed the loot's domestic value at about $182,000 but with a suggested retail price totaling nearly $1.7 million.
Supervisory officer Brian Welsh said the investigation remains open. He declined to release further information about the shipment.
Welsh said CBP officers have intercepted more shipments violating intellectual property law lately, a trend he attributed to the sluggish economy. The CBP on Monday released its year-end results from the 19 entry ports within the Atlanta-based district, including the Carolinas, Georgia, Virginia and West Virginia. Those interceptions included about 4,300 pounds of marijuana and 209 pounds of cocaine.
Officers also prevented nearly 8,000 inadmissible people and nearly 10,000 agricultural pests from entering the country, including a leaf bug on a shipment of ceramic tile arriving in Charleston from Italy -- the first such interception in the United States.
Reach Allyson Bird at 937-5594 or email@example.com.


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Warning: inhaled cigar smoke can be particularly hazardous
Still more bad news for cigarette smokers: switching to cigars doesn't help.The problem seems to be that smokers who learned to smoke cigarettes can't "unlearn" the habit of inhaling when they smoke. Cigar smokers who never became habitual cigarette smokers usually don't inhale, but "reformed" cigarette smokers carry the habit over to their cigar smoking. Some of them apparently don't even realize they're doing it, but most of them inhale intentionally. Some of them have been convinced—by physicians, among others—that cigars are "safer" than cigarettes, and they believe they can inhale with impunity.Not so, says a researcher from the cigar capital of America. Allen L. Goldman, MD, chief of the pulmonary disease section, University of South Florida College of Medicine and Tampa Veterans Administration (VA) Hospital, measured the effects of cigar and cigarette smoking and found that inhaling cigar
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Write an IOS app UI in MonoTouch ONLY
This project received 4 bids from talented freelancers with an average bid price of $475 USD.Get free quotes for a project like this
Skills Required
Project Budget$30 - $250 USD
Total Bids4
Project Description
We need an experienced MonoTouch coder to write UI to use our library. The UI is very simple, just display information from our library. The main UI is already done, so you just need to finish other 4 UIs.
You must be very skillful in both IOS native development and MonoTouch. This project will be implemented in MonoTouch, not objective C
You have to be expert in MonoTouch and have past experience to deliver commercial products in MonoTouch.
I think the overall coding time should be about 20 hours. If it takes more than 20 hours, we will compensate for it. This project will be milestone based, so we will pay for each UI you finish.
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