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One of the most memorable places I've ever been is the House of Anne Frank in Amsterdam. One of the most startling lines I have ever read in any book was the quote in Anne Frank's book The Diary of a Young Girl that read: "I do believe that deep within his (her) heart, every person is good." She made this statement as she was being hunted down by the Nazis.
Hey there, Oldham County!
A few of you have already met me, but for those who haven't, I'm the new sports guy.
Let me share some things about this new guy.
Community newspapers are unique creatures in the printing world.
When print publication reached its peak and took a southern nose dive in the early aughts -- leaving the massive metropolitan outlets to shed staff and cut pages -- media scholars and moguls scratched their heads. They couldn't figure out how these small-circulation, local-specific, mom-and-pop papers seemed to be getting along without them.
I'm not really a fan of goodbyes.
No one ever knows how to finish one, there's always awkwardness and it's just really a difficult situation altogether.
And it's not much easier when you have to put it in print.
If you haven't guessed by now, this is my goodbye as editor of The Oldham Era. Rest assured, I'm leaving the place in great hands. Publisher Melissa Blankenship will still be at the helm, as will reporter Taylor Riley.
Copyright © 2016
The Oldham Era is your source for local news, sports, events, and information in Oldham County and LaGrange, Kentucky, and the surrounding area.

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Visit our new Podcast page to listen to interviews with breastfeeding and parenting experts and learn more about the variety of programs and services offered by La Leche League in the comfort of your home or MP3 player. Easy instructions are included on the page! Eight new podcasts have recently been added:
- Impact of Birthing Practices
- My Child Won't Eat and La Leche League Resource Translations
- Oversupply of Breastmilk
- Peer Counselor Program, LLLI
- Professional Development and Volunteer Work
- Sleepless in America
- Technology Update, LLLI
- What's New in the Leader Accreditation Department
- Your 10 - 14 Year Old


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Drawn from the museum's permanent collection, this exhibition provides a focused look at Barbara Morgan's most innovative black and white photographs including preliminary studies which reveal the artist's process firsthand. When Morgan made photography her principal medium in 1935, she distanced herself from "pure photography" and began experimenting. She explored photographic techniques such as double and extended-time exposures, and photomontage, the multi-layering or combining of photographic negatives into one composition. In a double exposure, the film is exposed twice, to two different images. The resulting photograph shows the second image next to, or superimposed over the first. Morgan's multiple exposure and photomontages featured in this exhibition include fantastic cityscapes and street scenes. Produced in the 1930s and 40s, these works are among the more experimental in modern American photography.
Barbara Morgan (1900-1992) worked in all mediums, but preferred photography. She initially studied painting at the University of California in Los Angeles and then shifted her attention to photography after seeing an exhibition of Edward Weston's work. In 1925, she married Willard Morgan, photographer and founder of publishing company Morgan & Morgan, Inc. During her career, Morgan published numerous books including "Martha Graham: Sixteen Dances in Photographs" and "Summer's Children: A Photographic Cycle of Life at Camp." In 1991, she received a Lifetime Achievement Award from the Photographic Insight Foundation at the Museum of Art, Rhode Island School of Design.


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This event is held annually at the MidWinter Conference in Austin. A total of $69,500,000 was awarded to recipients of the VFW VOD & Patriots Pin program this year. Kirstee Dunlap is an 8th-grader at the Pettus ISD School. She also received a scholarship from Beeville VFW Post 9170 as well as one from VFW District 6.
Her essay will now go to the national competition that will be held at the National VFW Convention in June. She is the daughter of Raymond III and Amanda Dunlap of Beeville.


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Topic Title
- Data Points #19: Medication Use in Medicare
Data Points Publication Series
- Data Points Publication Series
- Data Points #1: Prevalence of diabetes, diabetic foot ulcer, and lower extremity amputation among Medicare beneficiaries, 2006-2008.
- Data Points #2: Incidence of diabetic foot ulcer and lower extremity amputation among Medicare beneficiaries, 2006-2008.
- Data Points #3: Economic burden of diabetic foot ulcers and amputations
- Data Points #4: Trends in the utilization of erythropoiesis-stimulating agents among Medicare beneficiaries with kidney disease
- Data Points #5: Prevalence and Medicare Reimbursement by Recurrent International Classification of Diseases Categories, 2006-2009
- Data Points #6: Utilization and cost of anticancer biologic products among Medicare beneficiaries, 2006-2009
- Data Points #7: Utilization of anticancer biologic products among Medicare beneficiaries, by diagnostic cancer subchapter, 2006-2009
- Data Points #8: Utilization of antihypertensive drug classes among Medicare beneficiaries with hypertension, 2007 to 2009
- Data Points #9: Utilization of antidiabetic drugs among Medicare beneficiaries with diabetes, 2006-2009
- Data Points #10: Proton beam radiotherapy in the U.S. Medicare population: growth in use between 2006 and 2009
- Data Points #11: Newly Medicare-eligible disabled: comparison of duals and nonduals
- Data Points #12: Health care use in the first six months of Medicare eligibility for elders: Impact of State support
- Data Points #13: Use of preoperative MRI among older women with ductal carcinoma in situ and locally invasive breast cancer
- Data Points #14: Use of endocrine therapy following diagnosis of ductal carcinoma in situ or early invasive breast cancer
- Data Points #15: Prognostic factor testing among older women with ductal carcinoma in situ and early invasive breast cancer
- Data Points #16: Changes across time and geography in the use of prostate radiation technologies for newly diagnosed older cancer patients: 2006-2008
- Data Points #17: Trends in bariatric surgery in Medicare beneficiaries
- Data Points #18: Use of and access to health care by Medicare beneficiaries with diabetes: impact of diabetes type and insulin use, 2007-2011
- Data Points #20: Echocardiography Trends
Research Report - Final – Apr. 23, 2014
Data Points #19: Medication Use in Medicare
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Jalan Patimura 32 Legian, Kuta, Bali
Property Directions
The easiest and safest way to reach Gana Inn Legian from the airport is to take a taxi. The taxi stand is located outside the airport arrival exit. Tell the stand that you are going to Kuta, Jalan Patimura 32 legian, Pay the taxi stand Rp60.000 before entering the taxi; do not pay the driver directly.
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Any affirmation of counterfactuals does nothing if it is incompatible with biblical teaching. The Bible acknowledges that God uses counterfactuals to achieve His will and that He knows the truth-value to hypothetical propositions. An example of this would be in 1 Samuel 23.6-10. This passage accounts for David's inquiry to the Lord by means of a divining device called an ephod (which gave a "yes" or "no" answer). David thus flees the city of Keilah so the predictions do not come true. What the device had predicted to David was not simple foreknowledge ("Saul/the men of Keilah will do X"), by hypothetical knowledge ("If David stays, then Saul/the men of Keilah will do X"). The answer given by the ephod were correct answers, even though the events did not come to pass, since the answers were indicative of what would happen under certain circumstances.[1]
Another example may be found in Jeremiah's prophecy to King Zedekiah:
Then Jeremiah said to Zedekiah, "Thus says the Lord God of hosts, the God of Israel, 'If you will indeed go out to the officers of the king of Babylon, then you will live, this city will not be burned with fire, and you and your household will survive. 'But if you will not go out to the officers of the king of Babylon, then this city will be given over to the hand of the Chaldeans; and they will burn it with fire, and you yourself will not escape from their hand'" (Jer. 38.17-18).


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Harbison work to premier during summer music festival
July 2, 2013 —
JEFFERSONVILLE, NY — Celebrated American composer John Harbison has been named Composer in Residence for Weekend of Chamber Music's (WCM) 20th Anniversary Summer Festival, "Transformations." The festival will run from July 14 through 27 with concerts presented in various venues in Jeffersonville, Bethel, Callicoon and North Branch.
Several of Harbison's works will be presented including a world premiere of a new violin sonata for his wife, Rose Mary, who will perform it with him. In addition, WCM artists will perform his work, "Songs America Loves to Sing," his 1981 piano quintet, and the Sarabande from his Suite for Solo Cello.
For details of the entire two-week summer festival, visit www.WCMconcerts.org; look for WCMconcerts on Facebook, or call 845/887-5803.


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Ryan Rodig
Sports Reporter
Contact firstname.lastname@example.com
Ryan joined the News 8 Sports team as Weekend Anchor/Weekday Reporter in July 2009. Before that he worked as a News Reporter for WTVY-TV in Dothan, AL for about two years.
Sports were never far from Ryan's heart or his home growing up. He was born Milwaukee, and lived just a couple of miles away from the old home of the Brewers, Milwaukee County Stadium. In 1996 Ryan moved to Green Bay, the same year the Packers won Super Bowl XXXI. After the win, Ryan made his TV debut alongside classmates on the lawn of Vincent T. Lombardi Middle School proclaiming "Good Morning America!"
Ryan went on to attend the University of Wisconsin-Milwaukee where he graduated Magna Cum Laude with a degree in Journalism and Mass Communication, with an emphasis in Broadcast. Ryan credits his time at UWM and "PantherVision" for realizing his passion for telling great stories. He always felt combining that with his love of sports would be the perfect job.
When Ryan arrived at News 8, he realized he was right.
Favorite movie: I am really bad at picking favorites. Ones that come to mind right away: The Blind Side, Major League, Anchorman, or just about anything with Will Smith
My best day at News 8 was the day... I got to interview Paul Molitor and Robin Yount 1-on-1 (or 1-on-2 I guess) Not only are they Milwaukee Brewers legends, but Major League Baseball Hall of Famers that I grew up admiring.
Do you have a personal motto or quote that inspires you? "Do not go where the path may lead, go instead where there is no path and leave a trail." – Ralph Waldo Emerson
If you could interview one person, living or deceased, who would that be? Once again I am bad at picking "one" but Vince Lombardi, Jackie Robinson, Babe Ruth come to mind as legendary sports figures I would like to chat with.
Favorite way to spend a day off? Spending time with my soon to be lovely wife Aleana, or on the field with my not-so lovely softball team.
What sports team are you a big fan of? I love the Green Bay Packers, but baseball has always been my first love. For better or worse I'm a die-hard Milwaukee Brewers fan.
What are you bad at and wish you could do better? Directions. Wait, where am I?
What do you like about your job? Every day is something different. One day I am covering the Packers in the NFC Championship game against the Bears, and the other I am telling the inspiring story of a local high school athlete. I enjoy both equally. I also love writing, and getting to express my creativity in storytelling.


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Can Fujifilm's HS30EXR reshape the superzoom and right the wrongs of last year's HS20 model? The What Digital Camera Fujifilm Finepix HS30EXR review...
Fujifilm Finepix HS30EXR Review
Fujifilm Finepix HS30EXR review – Features
A superzoom wouldn't be so called if it didn't have a significant zoom on offer. The HS30's 24-720mm f/2.8-5.6 (equivalent) lens has that more than covered. But not only can this optic make far-away subjects fill the frame, it's also go a 1cm-from-subject Super Macro mode when shooting at the widest-angle 24mm setting.
A 3in, 460k-dot LCD screen is mounted on a tilt-angle bracket and is complemented by an electronic viewfinder (EVF). But here's the first big news: the EVF is both larger and higher resolution than its predecessor. An integral step in making the camera more user friendly.
Behind the scenes and the Fuji HS30 utilises the same 16-megapixel, back-side illuminated (BSI) CMOS sensor with EXR processing and sensor-shift image stabilisation technology as found in the HS20 model. The pixels are rotated by 45° degrees for more effective capture of light, while EXR processing engine is said to process superior images.
Images can be captured from ISO 100-3200 at any given resolution, or at 8MP for ISO 6400 and 4MP for ISO 12,800. In addition there's a 1080p HD movie capture mode that uses the H.264 compression codec for best possible quality.
Auto shooting, full manual controls, and burst shooting up to eight frames per second (8fps) complete the package.
Fujifilm Finepix HS30EXR review – Design
Unlike many compacts that depend on a 'zoom toggle' to extend the zoom range, the HS30 is rather different: the inclusion of a manual zoom ring means it's possible to quickly jump through the zoom range with a literal hands-on approach. It's a lot like using a DSLR lens.
Like the HS20 before it, the HS30 is a nigh on identical machine, bar for some subtle changes to the grip around the lens barrel. That being the case the protruding built-in flashgun – while necessary in order to avoid drop-shadow on account of the large lens – makes it tricky to rotate through the zoom in one single movement. Similarly the manual focus ring is set so far back towards the camera's body that it can be a touch fiddly in use. It's a case of six of one, half a dozen of the other though – to compromise one aspect of these design points would only have a knock-on effect to other areas of the design.
So overall the HS30 is a well designed camera. The grip is deep and easy to hold, buttons and dials are clearly marked out and sit within easy reach of the hand.
The rear LCD screen can be angled 45° down or (in excess of) 90° upwards on the vertical bracket for waist-level or overhead work.
In addition more advanced users will be pleased at the inclusion of a three-pin TTL hotshoe that can be used with external flashguns.
In some areas the HS30 steps up a level beyond its HS20 predecessor. The electronic viewfinder is now slightly larger and far more resolute, at 0.26inches in size and with 921k-dots of resolution to be precise. It makes a huge difference in use and is the single biggest advance in this latest model.
But that's not all. Gone are the 4xAA batteries of the HS20, instead replaced by a rechargeable li-ion battery that comes included in the HS30's box. For our money that's a far better deal.
Fujifilm Finepix HS30EXR review – Performance
The Finepix HS30EXR's zoom lens not only offers a significant range but is easy to use thanks to the manual zoom ring design. The autofocus system itself is snappy and accurate at wideangle settings, but doesn't deliver to the same standard at the longer focal lengths. The biggest issue – that was also apparent with the HS20 – is a 'pause' where realtime feedback ceases for a brief moment as the camera focuses. This means a moving subject may have left the frame during the period of focus, which makes shooting moving subjects tricky.
Furthermore the continuous autofocus system is no more advanced than those in many other contrast-detect compact cameras. At longer focal lengths moving subjects will 'outsmart' it, which renders it of little use for moving subjects.
There are four main focus area types, ranging from Centre-point, Multi-point and Area through to Tracking. The Area AF offers 49 areas that cover the majority of the image preview.
Macro enthusiasts will be pleased by the 1cm-from-subject Super Macro mode. Although limited to the 24mm wideangle, the close focus distance at longer focal lengths is still impressive in the regular Macro mode. It's approximately 3m-from-subject when at the longest 720mm setting – ideal for capturing subjects with that pro-looking blurred background.
As well as JPEG files it's also possible to capture Raw shots. This is another area that the HS30 has improved compared to the HS20: it now takes less than a third of the time to write a shot to SD card, at around two seconds for a single frame.
Continuous shooting at 8fps is possible when shooting JPEG files, though maxes out at five frames if shooting in Raw. The fast burst rate is met with useful options in the drive menu such as Dynamic Range Bracketing or Auto Exposure Bracketing. Other options include 'Best Frame Capture' (i.e. standard bust mode), or even 'Film Simulation Bracketing'. The Film Simulation modes offer Fuji's traditional film types: Provia (standard), Velvia (vibrant) and Astia (soft) as well as Black & White and Sepia options. Elsewhere in the menus it's possible to customise Color, Tone, Sharpness and Noise Reduction and there's even a WB Shift for that extra level of control.
The HS30EXR also has a 1080p movie mode that uses the H.264 compression codec and outputs MOV files straight from camera (no computer-based processing required here). Capture begins almost immediately via the press of the one-touch movie button on the rear of the camera, though the 16:9 ratio used for movies will 'crop in' to the frame with top and bottom black borders (as it's a different ratio than the 4:3 or 3:2 stills options).
As well as the HS30EXR performs, it's worth reflecting on your expectations. If you will, a subtle word of warning: A superzoom won't match up to nor replace a DSLR (plus decent lens). Focus ability, potential wide aperture advances and better image quality will see to that. For the money superzooms offer a fair balance of features and this, combined with a focal length reach far beyond anything within this price range, are their obvious strengths.
Image Quality
Fujifilm Finepix HS30EXR review – Image Quality
As described in the HS20 review from last year, the inclusion of a 16MP sensor had an impact on how much detail could be resolved compared to the HS10's 10MP sensor from the year before. The HS30 uses the same 16MP sensor, so while image quality is reasonable it won't resolve high amounts of detail at all ISO settings, and overexposure isn't uncommon.
Pop the camera into the EXR mode, however, and it's a bit of a different story: by using the full span of the sensor for an image of half the resolution, the EXR processing can garner the fullest dynamic range, colour detail and (in effect) has twice the level of light to play with on account of using two pixels for every one in the final image. The EXR results are useful for point-and-shoot snappers, but we'd still rather see a lower resolution, higher performance sensor to help capture that extra-fine detail.
The HS30's lowest ISO 100-200 settings produce reasonable images, but the mosaic of JPEG processing artefacts, lack of smooth gradients and smeared edges won't resolve as much detail as a DSLR (or similar) camera is capable of. From ISO 400-800 the issues become more pronounced, and so overall quality further declines. The higher ISO settings will have limited use for critical work, and the top-end ISO 12,800 can only be shot at 4MP (though it's so riddled with image noise it's not worth using).
Overall the image quality isn't bad in compact camera terms, but as this is a camera designed for picking out far-away subjects, the inability to resolve quite the level of detail that those users may desire may be frustrating. The 720mm focal length will often require a higher ISO sensitivity to be used in order to provide a fast enough shutter speed for the shot. Close-up work at lower ISO settings won't suffer from such restraints, however, and show the camera's ability in a better light.
Like the HS20 before it the HS30's metering also leans towards overexposure. Exposure compensation or manual adjustment does mean it is possible to set the exposure to suit your needs, or even bracket to expose multiple shots, but we advise shooting Raw files in addition to JPEGs to ensure there's plenty of room to manipulate in post-production.
The HS30 isn't going to outclass a DSLR or other large-sensor camera when it comes to image quality, but it will deliver shots just as good as many other 16MP compacts out there, making it a balanced, fair and affordable snapper.
Value & Verdict
Fujifilm Finepix HS30EXR review – Value
Considering that the HS30 is packed out with more tech than the HS20 has, the £359 launch price represents good value. Shop online and the likes of the Canon PowerShot SX40 HS can be picked up for around the same price, while the shorter-focal-length Panasonic Lumix FZ150 is around £369.
Fujifilm Finepix HS30EXR review – Verdict
The HS30EXR takes the superzoom formula and tweaks it into better shape than its predecessor. The 24-720mm manual zoom not only offers a significant range but the hands-on zoom ring makes it feel more DSLR-like than other superzoom cameras. Add to this the far superior electronic viewfinder that outclasses the competition and the rechargeable li-ion battery and the HS30 is on the right track.
But for all its good points, there are a couple of things that we'd still like to see: more accurate exposure and a lower-resolution sensor to help with critical detail would be at the top of the list, along with a faster continuous autofocus system. Image quality is reasonable, but won't compare to a DSLR with long lens – so buy the HS30EXR with realistic expectations. Of course, such kit would cost considerably more, and this is where the HS30 comes into its own: a fair balance of price to features make it a great success.


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Daly and NHL Players Association special counsel Steve Fehr have had limited communication, but the two sides remain far apart in negotiating a new collective bargaining agreement.
"No new news," Daly wrote in an email to ESPN. "We withdrew our most recent proposal on Friday, and now we are spending time thinking about our next proposal and how best to get closer to a resolution. We hope the union is doing the same thing. Given the fact that the union refused even to discuss our last proposal, it would appear that we still have a large gulf to bridge."
Negotiations have not occurred since the two sides exchanged proposals nearly two weeks ago in Toronto.
Fehr denied that the union is not willing to negotiate.
"Since the last bargaining meeting on Oct. 18, we have consistently made it clear to the league that we are ready to meet and are willing to discuss all ideas, certainly including their last proposal," he said. "The league has unfortunately continued to decline to meet. Their position makes it difficult to move the process forward, as it is obviously hard to make progress without talking."
An announcement to cancel to Winter Classic could come by Thursday.
Games through November have already been canceled.
The effects of Hurricane Sandy would make it difficult to resume talks in New York this week. Monday, the storm forced the city to suspend mass transit and schools, and ordered hundreds of thousands to evacuate.
NHLPA executive director Donald Fehr fly to Minnesota to meet with players on Monday.


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"Thank you for Catholic Answers Live. The material has helped me to become a better fourth grade CCD teacher."
~ Jason, Demarest, New Jersey
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"Your rank and possessions are nothing to us, for we have long before this sacrificed the like for the sake of Christ and rejoice in what we have done."
~ Saints Crispin and Crispinian, to Emperor Maximianus after he had used threats and bribes in an attempt to persuade them to renounce their faith; their martyrdom gained them heaven; Maximianus, after losing his crown, killed himself in despair.


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Cheats and Walkthroughs
Cheats and Walkthroughs
Cheats and Walkthroughs
UPDATE: Now includes France, England and Germany Teaser trailers below!
Call of Duty: Modern Warfare 3 has an official teaser trailer. Infinity Ward's FourZeroTwo released the video saying "Wasn't planned, but you're clearly hyped, so here is the 1st of many Modern Warfare 3 videos coming in hot today! #MW3" Details about the MW3 leaked so IW decided to release their trailer early. The video is only 35 seconds long and shows what looks like a missile hovering over New York Harbor.
If you're curious about the Russian at the end of the video, our source says it's a little tough to decipher but translates to something like: "One (or someone) will destroy their hope of victory."
Hit the Read More to see the other teasers released around the world for Germany, France and England.
What do you think?


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Bobby Thomson hits the "shot heard 'round the world," Woody Guthrie passes away, Germany comes together, and O.J. Simpson is found not guilty, all on this day.
1973: Actress Lena Headey, best known for portraying Cersei Lannister in the HBO series "Game of Thrones," is born in Hamilton, Bermuda. Headey also is known for her roles in movies such as "The Brothers Grimm" and "300," and for the title role Sarah Connor on the TV series "Terminator: The Sarah Connor Chronicles."


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Werder Bremen 2011-12 away in orange with dark grey shaded design.Features embroidered team crest and logo..Dri Fit fabric with mesh panels on both sides.100% polyester.
Soccerplus first opened in 1994. We were one of the first soccer websites to hit the webView more
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Uncovering Opportunities in a Tumultuous Market
by Christine Benz
The current market environment is a head-scratcher on a number of fronts.
Despite a little spackle here and there, Europe still doesn't appear to be on the mend, and the specter of slowing growth looms large across the globe.
Perhaps even more worrisome, given that low valuations are a better predictor of market performance than growth in GDP (gross domestic product), is that stocks in aggregate don't appear to be a screaming buy right now. The price-earnings ratio for the S&P 500 index was a not-unreasonable 16 as of early August 2012, putting it in line with historical averages. But the so-called Shiller price-earnings ratio, which attempts to smooth out effects of business cycles, is 22. That's a bit worrisome when you consider that the long-term mean of the Shiller price-earnings ratio is 17. U.S. stocks have gained about 14% on an annualized basis over the past three years, so it's probably not surprising that stocks look fairly valued, if not downright overvalued, right now.
Yet, as in nearly every market environment, opportunities lurk for investors who are willing to roll up their sleeves and look for them. While a handful of market segments look notably expensive right now—dividend-rich areas like real estate and utilities seem particularly frothy—a number of market segments appear to be trading cheaply, based on Morningstar analysts' bottom-up research. That not only presents opportunities for individual stock investors, but also translates into investment ideas for mutual fund and exchange-traded fund investors as well.
Let the Hunt Begin
Morningstar's approach to stock investing hinges on a few key ideas. The first is that the most successful investors build their portfolios from the bottom up, focusing on company-specific attributes and tuning out the day-to-day market noise. The second key underpinning of our approach to equity analysis is that valuation matters: The best way to identify winning stocks is to focus on those that are trading at a discount to their fair value. To gauge fair value, our analysts estimate a company's future free cash flows using discounted cash-flow modeling. If the business is such that future free cash flows, and in turn the fair value, cannot be estimated with a great degree of certainty, the analyst would require that a company trade at a bigger discount to its fair value before recommending it. Finally, our equity analysts prize companies with moats—sustainable competitive advantages and future economic profits. The reason is that competitive forces in a free-market economy tend to chip away at firms that earn economic profits because eventually competitors attracted to those profits will employ strategies to capture those excess returns. The primary differentiating factor among firms is how long they can hold competitors at bay. Only firms with economic moats—something inherent in their business model that rivals cannot easily replicate—can stave off competitive forces for a prolonged period.
To help home in on companies with some or all of those characteristics, Morningstar's Market Fair Value graph, a free tool available on the Markets page of Morningstar.com, provides a good starting point. The graph displays the ratio of median price to fair value for all rated stocks in our coverage universe. As of early August, the median price/fair value ratio was 0.93, indicating that the median stock in our coverage universe was trading at a 7% discount to our analysts' estimate of fair value. If a company is trading perfectly in line with our analysts' estimate of what it's worth, its price/fair value ratio would be 1.00; if our analysts think a company is 20% overvalued, its price/fair value ratio would be 1.20.
Based on our aggregated fair-value estimates, stocks aren't quite as cheap as they were at this time a year ago, when Europe's woes and the U.S. debt-ceiling flap drove down stocks. And they're certainly not as cheap as they were in late 2008 and early 2009, when the median stock in our coverage universe was trading at 55% to 60% of our analysts' estimate of fair value. But they are more attractively valued than they were at the end of the first-quarter rally this year, as you can see in Figure 1.
Armed with that baseline price/fair value ratio, it's possible to take a closer look at which pockets of the market are cheap and which are dear. Using the same fair-value graph as a starting point, we can segment our coverage universe by sector, by industry or by a company's moat rating, among other metrics. From there, we can home in on undervalued individual stocks or let the broad trends guide us to funds that appear well-poised to capitalize on those inexpensive areas.
The Sector Lens
While the median price/fair value ratio for all of the stocks in Morningstar's coverage universe is 0.93, individual sectors look substantially cheaper or more expensive. In general, the most cyclical stocks sport the most attractive valuations at this juncture. Stocks in the basic materials (0.81), energy (0.87) and financial services (0.87) sectors are trading at a more than 10% discount to our analysts' estimate of fair value. The fact that our analysts are finding the greatest discounts in those sectors isn't too surprising, given that concerns over slowing economic growth have pushed down economically sensitive stocks over the past three months. Of course, those sectors could stay cheap if recessionary fears persist, but our analysts think current valuations reflect undue pessimism about economic performance.
To help home in on our highest-conviction stock picks within those sectors, I searched for basic materials, energy and financial services names with high star ratings (meaning that our analysts think they're cheap), and medium or low fair-value uncertainty ratings (indicating that our analysts have a high degree of confidence in their fair-value estimates). Among the names that surfaced were BHP Billiton Ltd. ADR (BHP), Suncor Energy Inc. (SU) and Western Union Company (WU). (Note that Western Union was the only financial stock that made it through my screen; most financials in our coverage universe have high uncertainty ratings.)
Investors might also consider obtaining exposure to any one of these sectors via a broad-basket mutual fund or exchange-traded fund: iShares S&P Global sector-specific ETFs are among our team's favorite sector ETFs, while Vanguard Energy fund (VGENX) is a favorite (and inexpensive) actively managed product. Selected American Shares fund (SLASX) and Vanguard Selected Value fund (VASVX), meanwhile, are good examples of valuation-conscious, broadly diversified funds that have historically done a good job of buying cyclically oriented companies when they've been in a trough.
The communication services sector also looks inexpensive to our equity analysts at this juncture—with an average price/fair value ratio of 0.87—but not all stocks within it look cheap. U.S. dividend-paying stalwarts like AT&T Inc. (T) and Verizon Communications Inc. (VZ) look somewhat overvalued right now. Meanwhile, several of the foreign telecom names are more attractive, with big caps like France Telecom SA ADR (FTE) and NTT DoCoMo, Inc. ADR (DCM) trading at substantial discounts to our analysts' estimates of fair value at the beginning of August.
At the other end of the spectrum, a handful of sectors were looking notably overvalued to our analysts as of early August. Real estate stocks, mainly REITs (real estate investment trusts), have emerged as the most overvalued sector over the past several years; stocks in the utilities and consumer-defensive sectors are, in aggregate, trading at a similar level of overvaluation. The fact that those historically dividend-rich sectors look expensive could be the result of investors' near-mania for anything with a yield attached to it over the past few years, but current valuations—combined with the possible expiration of the currently low tax rates on qualified dividends—could make it difficult for dividend payers to reprise their recently strong gains.
What About Moats?
In addition to displaying market valuations on a sector-by-sector basis, the Market Fair Value graph also segments the equity universe by economic moat ratings. When analysts assign an economic moat rating, they're trying to answer a basic question: How sustainable are a company's future economic profits?
The analysts assign moat ratings of "wide," "narrow" or "none." Fewer than 200 of the nearly 1,600 companies that Morningstar covers had a wide moat rating as of early August; the rest had a moat rating of narrow or none. A company is accorded a wide moat rating in a few key ways. One is if its customers incur a high cost, of either time or effort, to switch to a competing service or product. Microsoft Corp. (MSFT) is a good example of a firm with a wide moat due to high switching costs; PCs and laptops come preloaded with Microsoft software, and the firm's products are also standard issue on most company PCs. You really have to want to use competing software to opt out. Cost advantages, often because of scale, can also confer a moat, as is the case with Wal-Mart Stores Inc. (WMT).
Periodically, investors get a chance to buy wide-moat stocks on the cheap: For much of 2010 and 2011, for example, the wide-moat stocks in our coverage universe were trading at a bigger discount to their fair values than narrow- and no-moat stocks were, in part because narrow- and no-moat names were the first movers when the market recovered in early 2009. That buying opportunity in wide-moat stocks was what Warren Buffett would call a fat pitch, but unfortunately the valuation pattern is now closer to what one might expect. Wide-moat stocks, in aggregate, have a price/fair value ratio of 0.95 as of early August (see Figure 2), slightly above the 0.93 median for our coverage universe. Narrow-moat stocks have a price/fair value ratio of 0.91, and the price/fair value ratio for no-moat stocks is 0.90.
Yet, even though attractively valued wide-moat stocks are looking scarce these days, it's not impossible to find them. I searched for companies with wide moats, price/fair value ratios of less than 0.80 and uncertainty ratings of medium or low. Seventeen stocks made the cut as of early August, including tech firms like Applied Materials, Inc. (AMAT) and Cisco Systems Inc. (CSCO), basic materials firms like Martin Marietta Materials (MLM) and Vulcan Materials Co. (VMC), and medical device maker St. Jude Medical Inc. (STJ).
Alternatively, mutual fund investors who like the moat concept might consider a valuation-conscious fund with a high share of wide-moat stocks. The stocks in Bridgeway Blue Chip 35 Index fund (BRLIX), Dreyfus Appreciation fund (DGAGX), Jensen Quality fund (JENSX), Vanguard Dividend Growth fund (VDIGX) and Yacktman fund (YACKX) all have average moat ratings of wide; plus, their managers all pay attention to valuations when putting together their portfolios. For ETF investors, Vanguard Dividend Appreciation fund (VIG) beckons as a worthy wide-moat option.
The Style-Box View
In addition to searching for undervalued stocks by sector and moat ratings, we can also look at which investment styles, as depicted by the Morningstar style box, might look cheap or dear at any given point in time. The style box aims to depict the investment-style characteristics of stocks and funds using a nine-square grid. The top row consists of large-size companies, the middle row has mid-size firms and the bottom row has smaller companies. From left to right the style box captures investment style: value on the left, blend in the middle and growth on the right, as you can see in Figure 3.
As of early August 2012, the median stock in the large-cap value square of the Morningstar style box was trading at a price/fair value ratio of 0.88, the lowest price/fair value ratio of any style-box square. Mid-cap value stocks were also looking attractive, with a median price/fair value ratio of 0.89. Large-cap blend stocks were trading with a median price/fair value ratio of 0.92—roughly in line with the price/fair value ratio for the median stock in our overall coverage universe, which is 0.93—while large-cap growth stocks, with a median price/fair value ratio of 0.99, were more expensive still. Mid-cap growth was the most expensive square of the style box, based on our analysts' estimates of the fair values of the companies that land in that box, with a price/fair value ratio of 1.06 for the median stock. Morningstar doesn't have enough small-cap stocks under coverage to create price/fair value ratios for the small-cap style-box squares, but based on the aforementioned patterns, it's a reasonable guess that a) small-cap stocks look more expensive than mid- and large-cap names and b) growth stocks look more expensive than value stocks.
That's not to say that there's no gas left in the tank for growth stocks: Companies that can increase their earnings despite a slack macroeconomic environment are still apt to be rewarded. But our data do suggest that if you're rebalancing your portfolio or deploying new money, value-oriented stocks or funds are a good place to focus your efforts.
Screening for large- and mid-size value stocks with wide moat ratings, price/fair value ratios of 0.90 or less and fair-value uncertainty ratings of medium or low brings out some of the same companies we've uncovered already. Vulcan Materials fits the bill, as does Cisco Systems. A few additional companies fit our criteria, however, including Johnson & Johnson (JNJ), Medtronic Inc. (MDT), Microsoft, Exelon Corp. (EXC) and Pfizer Inc. (PFE).
Broad Takeaways
Although we've viewed the equity universe through a variety of different lenses, there are some overarching themes that emerge.
Value stocks look relatively attractive to our equity analysts relative to growth names right now. That's especially true if investors are willing to delve into value-oriented companies that are more cyclical in nature, such as those in the energy and basic materials sectors.
Many stocks in dividend-rich sectors like real estate and utilities, meanwhile, look relatively expensive and could be good sale candidates if investors are trimming long-held winners from their taxable portfolios in anticipation of higher dividend and capital gains taxes.
Edward Kaminski from IN posted over 4 years ago:
A very good analysis of the current market situation with specific recommendations for each analytical point of view.
James Jennings from VA posted over 4 years ago:
Morningstar is very conservative. You may not make very much with their 5 star stocks, but you will not lose very much either. Long live CAPM and MPT.
John Thumann from AZ posted over 4 years ago:
Is there any foreign withholding tax on dividends paid by France Telecom SA ADR (FTE) and NTT DoCoMo ,Inc ADR (DCM)?
This is a very interesting article and the discount-to-fair value and moat concepts make a lot of sense.
Betty Anderson from OR posted over 4 years ago:
Helpful analysis of the market situation and the comparisons seem good.
Graham Johnson from CA posted over 4 years ago:
What about bonds? I do not go to meetings or read your trash anymore because all it is is stocks and ETF (same thing). I am 79 aqnd need safety not stocks with losses I have no time to make up. You have abandoned your longtime members.
Timothy Gorham from RI posted over 4 years ago:
Well done by Ms. Benz who is obviously someone who does her homework. However, it is nearly impossible for anyone to give investment advice until we get through the November elections. In the interim I'd keep my powder dry because no one can predict the market reaction. I'd agree that the pure yield play is a crowded trade without much upside... buy high and enjoy the dividends I guess.
John Mcdonald from GA posted over 4 years ago:
Buy NRFHF around 370,hold for 18to 24 months sell around 450. John H.McDonald 404-606-0646


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The average cost for a Door Window Motor Replacement is between $185 and $272. Labor costs are estimated between $96 and $123 while parts are priced between $89 and $149. Get a personalized estimate based on your location and specific car. Estimate does not include taxes and fees.
Window Motor Replacement Cost for GMC Sierra 1500 HD
Door Window Motor Replacement Estimate (National Average)
Validated estimate range for national average.
View Estimate Details
Parts & Labor Breakdown
Labor: $96 - $123
Parts: $89 - $149
Estimate does not include taxes and fees.
Common Symptoms
Due to a failing door window motor, the window may not open or close. It could also work intermittently.
Problems with power windows are commonly caused by faults in the switches or wiring. The switches and wiring should be checked thoroughly before replacing a window motor.
Last step before receiving your estimate:
* Estimate for all GMC Sierra 1500 HD model years. Get a more accurate price by entering in your year.


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Re: PATRICK WINS !
I think lots of her critics suggesting she didnt earn her spot even in Indycar etc simply hadnt followed her career to know she dedicated most her life to learn racing. All they talk about is this or that driver deserved a top ride because they won in a lessor series, so they deserve a top ride. The facts are winning in a lessor series, like Atlantics etc doesnt mean they will be successfull in a top tier series like Indycar, but thats what most racing critics suggest.
Doesnt matter now as Danica is who she is and where she is regardless, but nice to see those older mentions of things I never knew? thanks again.


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Sure a tan will look good now, but what are the potential lasting effects? Click here to learn more information.
Skin cancer: what you need to know
Published On: May 29 2013 05:10:45 AM HST Updated On: May 31 2013 04:43:44 AM HST
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What Different Conditions Will Affect My Asset Allocation?
Here's a rundown of the major factors affecting asset allocation decisions, and how they may change over time.
Risk Tolerance & Asset Allocation
Risk refers to the volatility of your investment portfolio's value. The amount of risk you are willing to take on is an extremely important factor because investors who take on too much risk usually panic when confronted with unexpected losses and abandon their investment plans mid-stream at the worst possible time. While some people do become more risk averse as they get older, risk tolerance is not necessarily a function of age; a conservative investor will go through changes in asset allocation over his life cycle, as will an aggressive investor.
Print this article
In this article
- Risk Tolerance & Asset Allocation
- Return Needs & Asset Allocation
- Investment Time Horizon & Asset Allocation
- Next Steps
Return Needs & Asset Allocation
This refers to whether you need to emphasize growth or income in your investment portfolio. Most younger investors who are accumulating savings will want returns that tend to emphasize growth and higher total returns, which primarily are provided by emphasizing stocks in an asset allocation. Retirees who depend on their investment portfolio for part of their annual income will want returns that emphasize relatively higher and consistent annual payouts, such as those from bonds and dividend-paying stocks. Of course, many individuals may want their asset allocation to reflect a blending of the two—some current income, but also some growth.
Investment Time Horizon & Asset Allocation
Your time horizon starts when your investment portfolio is implemented and ends when you will need to take the money out. The length of time you will be invested in your portfolio is important because it can directly affect your ability to reduce risk. Longer time horizons allow you to take on greater risks in your asset allocation, with a greater total return potential, because some of that risk can be reduced by investing across different market environments. If your time horizon is short, you have greater liquidity needs—the ability to withdraw at any time with reasonable certainty of value. Volatile investments such as stocks lack liquidity and require a minimum five-year time horizon; shorter maturity bonds and money market funds are the most liquid.
Time horizons tend to vary over your life cycle. Younger investors who are only accumulating savings for retirement have long time horizons for their investment portfolio, and no real liquidity needs except for short-term emergencies. However, younger investors who are also saving for a specific event, such as the purchase of a house or a child's education, may have greater liquidity needs. Similarly, investors who are planning to retire, and those who are in retirement and living off of their investment portfolio income, have greater liquidity needs.
Next Steps
Identify your tolerance for investment risk and find the correct asset allocation.
AAII provides registered users of AAII.com with a simple and concise tool that can greatly assist you with your portfolio management and asset allocation decisions. Our Asset Allocation Models area allows users to determine their investor profile, choose a model asset allocation and review the associated investment return and risk characteristics. In a nutshell, you'll see how diversifying among the asset categories reduces investment risk while allowing you to build a portfolio that matches your investment profile.
AAII's Asset Allocation Models use historical data to illustrate how you can divide your assets between stocks, bonds and cash based on your risk/return profile.


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"The work of Catholic Answers was instrumental in bringing me back to the Church. With the help of God's grace, I was then able to help bring my wife back too. Keep up the good work!"
"Since He Himself has declared and said of the bread: This is My Body, who shall dare to doubt any more?"


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Crucible of championships
By Richard A Ross
May 16, 2014 —
May 16, 2014 —
SULLIVAN COUNTY, NY — This is Championship Week One in the glorious realm of Section IX high school track and field. In the span of a single week, heated OCIAA division rivalries resulted in titles, the Sullivan County championships (aka, the Donna Deppa Meet of Champions) unfolded at Sullivan West, the electrifying OCIAA Throwing Pentathlon and Hammer Championships were staged at Monroe-Woodbury and the vaunted two-day OCIAA League Championships will be played out at the gorgeous Warwick track and field venue. As runners, jumpers and throwers look to marshal their best for these meets and the looming Section IX Championships that lie just ahead, many records are shattered and personal bests are often achieved.


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SayWhoa! Now In "GEL" Pre-Filled Syringes – Sold on New website HORSE SENSE SOLUTIONS
SayWhoa! is a Revolutionary product which promotes the digestive flow assisting with normal bowl movements. Horses may become dehydrated and impacted by simple acts of weather changes, feeding and riding. SayWhoa! promotes the normal flow of digestion and assists in elimination of retained stool.
SayWhoa! Assists with maintaining normal digestive flow, to promote normal bowel movements. Use at first signs of digestive flow not appropriately taking place, it may be as simply as your horse refusing feed.
USA LABORATORY: Product is manufactured in the USA in an ISO 9001 & ISO 13485 registered facility, which operates in strict compliance with 21 CFR 820 and cGMP Current Good Manufacturing Practices: This means – each batch is formulated to exact specifications, assuring quality & consistency.
SayWhoa! New Website please click on NOW!
SayWhoa! is not a drug. It does not contain pain reliever or muscle relaxant. Since it is not a muscle relaxant, smooth muscles can keep doing their job of allowing the normal peristalsis or bowel motility to move materials towards elimination. Gut sounds are heard, as retained stool is moved along the digestive tract.
Tee and Jacque Woolman Endorse SayWhoa!
SayWhoa Endorsement by Tee and Jacque Woolman
World-famous Rodeo Clown, Leon Coffee is a United States Army veteran, bullfighter, and "man in the can", the lifetime gold card member of the Professional Rodeo Cowboys Association (PRCA), (joined in 1973) He has worked the National Finals Rodeo in four different decades, with his familiar green hat and happy face. –
A combination of ingredients: Irish Sea Moss, Calcium, Vit D, Phosphorus, Potassium, Magnesium, Peppermint Oil, Vegetable Glycerin, Purified Water, Sorbitol and Molasses for flavor. All natural product to be given orally; the horse just swallows.
WHAT IT DOES Helps to maintains a healthy gastric system and support normal digestive "flow"which promotes normal Bowel Movements.
Horse's digestive tract is designed to graze on grass all day. They get the nutrition of supple grass, which is high in water content. This would easily travel through the curves of the digestive tract through peristalsis. Peristalsis is the wave like movement of the intestines that makes the chewed food travel to the other end and out. Also the surrounding smooth muscles help with food travel.
To save time and pasture space, man has placed horses in stalls, pens, and paddocks where grass is not available. Man needed then to create a simple way to take the place of the grass. So they came up with the idea of grains mixed together to make sweet feed or also crushed up grains called pellets. By man-made intervention we designed concentrated feeds to replace the nutrition of fresh growing grass. This feed is fed twice a day so we would not have to keep horses in a big pasture. To replace the grass roughage we give hay (dry grass). Horses' digestive tracts are designed for them to graze on grass all day. Because of the man made feed, they are now consuming approximate 1 – 6 lbs of concentrated feed in 30 minutes or less. After they eat their concentrated feed, they then munch on their dry hay. That one big meal is now being pushed through the digestive tract with the help of saliva. Horses' digestive tracts were designed to graze slowly throughout the whole day. No wonder there is so many impactions!
Weather Change – The horses will drink 20 – 25 gallons (or more) of water on a warm day and 10 – 12 gallons on a cool day. During Spring we will have cold fronts that come in. It may be very warm one day and then overnight, the temperature drops 20 degrees. On the day of the sudden cold snap, the horse does not seem to be as thirsty as the day before. By not drinking adequate amounts of water, there is less moisture in their digestive tract and the food they have eaten does not move along adequately for the normal digestion process. The gut peristalsis cannot move the food efficiently. Often times, it slows down to a stand still; the peristalses can no longer push down the highly concentrated food. This is one cause of an impaction. Riding Your Horse for Long Periods without Offering Water – Always keep a water bucket with you in the trailer. Your horse needs to be offered water whenever possible during the day. If you are showing or riding always offer water every hour. Horses Need Fresh Clean Feed and Hay – Colic may be also caused by moldy or bad horse feed. Horses cannot throw up! Once the food has been chewed and swallowed, it needs to go through the entire digestive tract and then out the other end. Horses kept in large pastures will smell of the molded hay and feed and not eat it. But, when kept penned up and that's the only thing to eat; they will eat it, just to survive. Rapidly Changing your Feed: A part of your horse's intestinal tract is called the cecum which is actually in the shape of a pouch and is about 4 foot in length. This holds 7 to 8 gallons of feed stuff that was not absorbed by the small intestine. The cecum is a microbial fermentation vat that mixes the food stuffs for approximately 7 hours. It contains microbes that produce enzymes to break down the fiberous foods like hay, beet pulp, grass, hulls, etc. However the microbes are very specific and have adapted to breaking down the feed you ususally give your horse. If you have a sudden change in either the grains or the hays you have been feeding. They will not break it down efficently, because they are slow to modify and adapt to new feed sources. So, they will keep trying to travel through in a larger mass. Worm Regularly to Prevent Impactions– Impactions may also be caused by worming, when horses are not on regular schedule. If a horses is wormed with a broad spectrum medication which kills many different types of worms, all the dead worms that were in the digestive tract start being moved out of the intestine just like their grains and hay. If all the worms are traveling together in one lump, this can cause impaction colic. If a horse has not been wormed in a long time, start with a wormer that kills just some types of worms and then finish up a few weeks later with one that also kills the full spectrum of different worm species. Worm horses every 3 months with wormer paste, this can be purchased from a feed store. Squirt accurate amount between cheek and teeth or towards back of mouth. Some wormer medications are apple flavored and taste good.
A typical first symptom is that horses will not eat their feed. If you have a horse that will not eat, you have a very sick horse. He may have an impaction or something else may be wrong. A sign of distress is that your horse will be lying down. Pressing their belly against the ground helps relieve the pain. Just like if you hold your stomach with your hands to help relieve pain if you have a stomachache. If you make them stand up and then they start lying down again, this is an indication that they are in pain. If your horse usually stands quietly when he is tied, but then you notice him walking back and forth or digging; this may be a sign of colic; because as soon as you unsaddle and take him back to the pen, he will lie down. Horses will look back towards their belly or bite/kick at their belly. Sometimes they will stretch out which would appear they are trying to urinate, but then walk on.
When your horse is in distress, by the time you see the signs, the progression is already under way. You may have little time to spare. Because of the impaction (clog) in the intestine; as more and more food travels from the front part of the intestine to the impaction site, the impaction starts to build up more and more. Think of a car wreck on a major highway with ice on the road. One car crashes up ahead, but there are also cars traveling behind it that also crash, one at a time until there is a big pile up. Now think of that in terms of a horse's digestive tract. There is an impaction and then all the food in front of it is trying to travel down the digestive tract and out, but there is a pile up, the road is blocked. Since the intestinal tract is now engorged it finally ruptures, seeping out fecal matter into the cavity and blood stream. The horse may appear relieved at first that the pressure is gone, but then sepsis sets in. He will die shortly after rupture of the intestine occurs.
Blane and Trey Wood – Among the Leading Quarter Horse Race Trainers "SayWhoa product gives us results every time without fail. I recommend that every horse owner keep this readily available on their shelf." Trey and I both keep SayWhoa at any place we have horses; whether they are at a race track, sale barn, or our training tracks both in Brock and in Lubbock, Texas. Easy to administer orally. For horses under stress from shipping, especially the sale colts that seem to be off their feed, the SayWhoa works. It is the next thing to a miracle. Don't get caught without it."
Tee & Jacque Woolman – Hall of Fame Team Roper / Barrel Racing "We keep SayWhoa with us in the trailer and in the barn at home. We will not be without it."
Leon Coffee – Famous Rodeo Clown – Hall of Fame "I have use SayWhoa many times. It is an amazing product. I never in my lifetime seen anything work like this product. I have this with me anywhere I travel."
Equestrian Director Houghton College, NY – I keep SayWhoa on hand at the stables. I have used SayWhoa twice now. Sincerely, Jo-Anne O. Young, Equestrian Program Director, Houghton College
Roman Riding Team Performing throughout USA – We have had tremendous results with the product. We firmly believe in this product and will not be without a bottle at the barn or in our trailer for our out-of -town shows. This is a must to have for any horse owner! -Staci Anderson-Diaz (known for her spectacular Roman Riding Presentations throughout the U.S.)
Ranch Manager, Cheley Colorado Camps – My name is Chris Rahn and I am the ranch manager for Cheley Colorado Camps, children's summer camp with an average of 150 horses. We usually have 6-8 cases each year and the closest veterinarian is about an hour drive away. This is such a great product because it not only works, it is easy to store, use and administer. I feel comfortable and confident having this product available for myself and my staff to use and recommend it to anyone who owns or works with horses. Thanks for your wonderful product. -Chris Rahn, Ranch Manager, Cheley Colorado Camps
Krystal Jones and Jonetta Winning Charmayne James Barrel Race in Las Vegas – SayWhoa has done it again! I had a yearling down when I went out to feed. I immediately went to the barn for my SayWhoa and gave it to her. Within 30 minutes she was on her feet and looking for feed. I can't say enough about this product. It will always be in my barn, and each trailer. It has never failed me. The yearlings name is Famous Katarina – out of my daughters pro mare Jonetta Fame that she won the Charmayne James invitational on and by Confederate Leader (pic attached) -Paulette Jones, Mission, TX updated 6/20/14
Manager of Retail Feed Store in Colorado – It was Mothers day Sunday! We hit our favorite mountain trail right outside of town that we had been on too many times to count. My Mother's Day ride was great, until we got home and unloaded when I noticed my horse wasn't himself. He refused to graze and went straight to rolling, pawing and kicking his belly. He was getting violent about doing it, too. I ask my husband to bring me a halter and my horse jumped up and walked over to me and put his head flat on my chest. I knew he was in pain and he was asking me to help. He had never shown any signs like this in the Four years of owning him. With in 45 minutes of administering the product, he stopped all symptoms and even relaxed to the point of 'letting it all hang out'. That's when I knew he was okay and kept an eye on him throughout the night. I was prepared to called the vet at any minute and I was ready to walk him all Sunday night. I didn't have to call a vet and my horse is back to himself. My Mother's Day had a happy ending!
Equestrian Director of Pine Cove Christian Camps – I have used this product SayWhoa usually for impaction type of distressed horses. Surgery is not an option for any of our horses so Pine Cove will always have it on hand. In June of 2013, one of our horses had watery stools for a week. We tried everything that we could think of . We thought we were going to lose her by morning. She was even down now and would not get up. I called the Stops Colic Company to make sure it was OK to give for chronic watery stools. They said give it and let them know how fast it worked for me. I called them back and let them know, that the SayWhoa formula worked within a few hours. I was able to turn the horse out with the other horses the next day. We will not be without this product. – Tim Alderson at Pine Cove Christian Camps
The Gypsy Horses are such a quiet calm breed they rarely have bouts. However, I always keep SayWhoa in the barn and trailer. Never travel without it. I tell all of my clients what a wonderful product and they should always keep on hand. www.GypsyHorsesInTexas.com
No returns accepted – this guards against tampering Flat Rate of $5.00 SHIPPING in USA Priority United States Postal Service
No returns accepted – this guards against tampering Flat Rate of $5.00 SHIPPING in USA Priority United States Postal Service
Look below to find a store near you on our store locator. If there's no one in your area please purchase online by clicking on the above graphic.
Weatherford , Texas 76087 Phone: 830.372.2211 Send Us a Message!


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Please use this identifier to cite or link to this item: http://hdl.handle.net/1959.3/48547
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- Title
- Bacterial attachment to micro- and nano- structured surfaces
- Author(s)
- Mitik-Dineva, Natasa
- Abstract
- The ongoing interest in bacterial interactions with various surfaces, followed by attachment and subsequent biofilm formation, has been driven by the importance of bacterial activities in number of medical, industrial and technological applications. However, bacterial adhesion to surfaces has not been completely understood due to the complexity of parameters involved. The study presented herein investigates the attachment pattern of nine medically and environmentally significant bacteria belonging to different taxonomic lineages: Firmicutes - Bacillus, Gammaproteobacteria, Alphaproteobacteria and Bacteriodetes. Physicochemical assessment techniques such as contact angle and surface charge measurements, atomic force microscopy (AFM), scanning electron microscopy (SEM), confocal microscopy (CLSM), as well as X-ray photoelectron spectroscopy (XPS), X-ray fluorescence spectroscopy (XRF) and time-of-flight secondary ion mass spectroscopy (ToF-SIMS) analysis were all employed in order to attain better insight into the factors that influence bacterial interactions with surfaces. Bacterial surface characteristics such as surface wettability and charge in addition to substratum surface wettability, tension, charge and chemistry were also considered. However due to the recent interest in designing micro-textured surfaces with antibacterial and/or antifouling effects the prime was given to the influence of micro- and nano-meter scale surface textures on bacterial adhesion. The interactions between selected bacteria and glass, polymer and optical fibre surfaces were studied. Carefully designed methods for surface modification allowed alteration of the topography of glass, polymer and optical fibre surfaces while maintaining other surface parameters near constant. This allowed isolated assessment of only the effects of surface roughness on bacterial adhesion. Obtained results indicated consistent cellular inclination towards the smoother surfaces for all of the tested species. Enhanced bacterial presence on the smoother surfaces was also accompanied by changes in the bacterial metabolic activity as indicated by the elevated levels of secreted extracellular polymeric materials (EPS) and modifications in the cells morphology. The results indicate that nano-scale surface roughness exert greater influence on bacterial adhesion than previously believed and should therefore be considered as a parameter of primary interest alongside other wellrecognized factors that control initial bacterial attachment.
- Publication type
- Thesis (PhD)
- Research centre
- Swinburne University of Technology. Faculty of Life and Social Sciences. Environment and Biotechnology Centre
- Publication year
- 2009
- Keyword(s)
- Adhesion; Bacteria; Biofilms; Measurement; Surface roughness; Topography
- Coverage
- Australasian Digital Theses collection
- Publisher URL
- Copyright
- Copyright © 2009 Natasa Mitik-Dineva.
- Thesis Supervisor
- [Elena P. Ivanova]
- Thesis Note
- [Submitted in total fulfilment of the requirements for the degree of Doctor of Philosophy, Swinburne University of Technology, 2009.]
- Full text


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Replacement Certificates
As a reminder, a "replacement certificate" for the FSIS Form 9060-5, Meat and Poultry Export Certificate of Wholesomeness, should only be issued if: (1) the original certificate was lost; (2) the original certificate contained incorrect information; (3) the original certificate was not complete; or (4) the name of the exporter has changed. Replacement certificates may be issued for other reasons but these are the primary conditions for which they are issued.
Replacement certificates must be dated with the same date as the original certificate. In addition, they do not represent the product's current condition, but rather the condition of the product at the time of the initial export certification.


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View Rule
|View EO 12866 Meetings
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|Publication ID: Fall 2007
|Title: Infant Formula: Current Good Manufacturing Practices; Quality Control Procedures; Notification Requirements; Records and Reports
|Abstract: The Agency published a proposed rule on July 9, 1996, that would establish current good manufacturing practice regulations, quality control procedures, quality factors, notification requirements, and records and reports for the production of infant formula. This proposal was issued in response to the 1986 Amendments to the Infant Formula Act of 1980. On April 28, 2003, FDA reopened the comment period to update comments on the proposal. The comment period was extended on June 27, 2003, to end on August 26, 2003. On August 1, 2006, FDA reopened the comment period on selected topics. The comment period closed on September 15, 2006.
|Agency: Department of Health and Human Services(HHS)
|Priority: Other Significant
|RIN Status: Previously published in the Unified Agenda
|Agenda Stage of Rulemaking: Final Rule Stage
|Major: No
|Unfunded Mandates: No
|CFR Citation: 21 CFR 106 21 CFR 107
|Legal Authority: 21 USC 321 21 USC 350a 21 USC 371 ...
Legal Deadline:
|Regulatory Flexibility Analysis Required: No
|Government Levels Affected: None
|Small Entities Affected: No
|Federalism: No
|Included in the Regulatory Plan: No
|RIN Data Printed in the FR: No
|Related RINs: Split from 0910-AA04
Agency Contact:
Benson Silverman
Staff Director, Infant Formula and Medical Foods
Department of Health and Human Services
Food and Drug Administration
Center for Food Safety and Applied Nutrition (HFS-850), 5100 Paint Branch Parkway,
College Park, MD 20740
Phone:240 402-1459
Email: firstname.lastname@example.com


text:
I am glad that this thread is a source of so much mirth for you, and I am especially happy that you agree with me that Wakefield don't deserve a license. I also know that Quins are not going belly up.
What I "no" about rugby league is another matter.
Edited by ParisSurtout, 22 August 2010 - 08:21 PM.


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Drug-Induced LupusSkip to the navigation
Topic Overview
Certain medicines can cause temporary symptoms and signs of lupus. The symptoms go away when you stop taking the medicine, typically within a few weeks. Symptoms are usually milder than in typical lupus, and the kidneys and central nervous system are rarely affected.
Some children who take medicines to prevent seizures develop a condition similar to drug-induced lupus seen in adults. Symptoms go away when the child stops taking the medicine.
Medicines that may play a role in inducing lupus include:
- Antibodies to tumor necrosis factor-a.
- Certain anticonvulsants called hydantoins, such as phenytoin and ethotoin.
- Chlorpromazine.
- D-penicillamine.
- Hydralazine.
- Interferon alfa.
- Isoniazid.
- Methyldopa.
- Minocycline.
- Procainamide.
These and other medicines may induce symptoms of lupus in some individuals. But the symptoms are not permanent. They will eventually disappear after you stop taking the medicine.
Even if you have lupus, your doctor may prescribe these medicines to treat other conditions. There is no evidence that drugs that cause drug-induced lupus cause lupus flares.
If you suspect that a medicine is triggering lupus symptom flares, talk with your health doctor about changing your medicine.
Related Information
Other Works Consulted
- Crow MK (2013). Etiology and pathogenesis of systemic lupus erythematosus. In GS Firestein et al., eds., Kelley's Textbook of Rheumatology, 9th ed., vol. 2, pp. 1269–1282. Philadelphia: Saunders.
- Hahn BH (2012). Systemic lupus erythematosus. In DL Longo et al., eds., Harrison's Principles of Internal Medicine, 18th ed., vol. 2, pp. 2724–2735. New York: McGraw-Hill Medical.
ByHealthwise Staff
Primary Medical Reviewer Anne C. Poinier, MD - Internal Medicine
E. Gregory Thompson, MD - Internal Medicine
Specialist Medical Reviewer Nancy Ann Shadick, MD, MPH - Internal Medicine, Rheumatology
Current as ofDecember 4, 2015
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Next Section:Related Information
Previous Section:Topic Overview
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Next Section:References
Previous Section:Related Information
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Current as of: December 4, 2015
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text:
Sunrise Chef: Glenn Gross
Just in time for a cold weekend, Glenn Gross of Fat Jack's BBQ joined 69 News at Sunrise with some delightful dishes and a chili recipe our morning show crew is raving about!
MISSISSIPPI GREEN BEANS n' HAM
Rev: 02/08
Tools required: (Gather First)
Large Saute Pan
Cutting Board
Measuring Cup
Measuring Spoons
SENSITIVITY: Bright green color, not mushy/brown. Pork/ham evenly distributed throughout. Beans have a slightly garlicky, smoky flavor. Should NOT be in too much liquid. Should be somewhat dry/glazed.
3 lbs. whole green beans
¼ lb. pulled pork OR diced ham
½ lb. butter
1 T granulated garlic
½ T black pepper
1 tsp salt
1 cup "bean juice" (2 oz. ham base & 2 cups hot water) --Ok to substitute chicken base
2 T chopped garlic in oil
NOTE: Feel free to adjust seasonings to personal taste
1. Place "bean juice," butter, chopped garlic & pork in pan. Heat just enough to melt butter.
2. Add beans & seasonings & begin to sauté green beans.
3. Sauté until beans become soft to the touch, AND remain bright green. Beans must not turn brown. Most of the liquid should be absorbed by the beans.
4. Properly cooked beans should be crisp & fresh tasting, and the liquid should appear as a "glaze" on the beans.
5. Place beans in serving bowl and enjoy!!!
Rev: 12/11
Tools required: (Gather First)
1 large stockpot
Measuring spoons
Wire whip
Measuring cup
SENSITIVITY: Spicy, moderately thick, and light green in color. Taste of cumin should "burst" through. Turkey should be chunky, not stringy, with pieces of red pepper visible.
3 small cans cannelloni beans (DO NOT DRAIN)
2 cups red peppers -- dice to 1/4"
2 cups onions -- dice to 1/4"
2 cups green onions -- dice to 1/4"
1 - 2 lbs. leftover turkey
2 cups diced green chiles
4 oz. chicken base
¼ Tbs. cayenne pepper
1/2 Tbs. crushed red pepper
1/2 Tbs. salt
1 tsp. white pepper
3/4 Tbs. granulated garlic
2 bay leaves
1 Qt water
1 ½ lbs. butter
3/4 cups cumin
Cornstarch/water or roux as needed to thicken
1. In a large stockpot, melt butter & add onions, green peppers, green onions & chilies. Sauté for 5 minutes.
2. Add all other ingredients and blend well.
3. Reduce heat & simmer for 30 minutes, stirring constantly.
4. Using cornstarch mixture, thicken chili to consistency of thin gravy. Roux is acceptable in place of cornstarch.
5. Remove from heat & transfer chili to serving bowls. Top with Cheddar Jack cheese and enjoy!!
SHELF LIFE: 3 days
Tools Required:
Cutting board
Clear wrap
Food Needed:
Brisket Rub
Yield: 1 nose-off brisket will yield approx. 10-12 sandwiches, or 5-6 platters. Shrinkage loss is approx 30% -35%.
Sensitivity: Briskets will be almost black in color, with a slight glossiness to them. Some of the seasoning spices will be evident all over the brisket. When the brisket is cut against the grain, a 1/8" - 1/4" purplish hickory smoke ring will be quite evident around the entire inside edges of the brisket. The meat will be very juicy, and not crumbling or dry, and will be light brownish/gray. The flavor of the hickory and the spices will prevail.
Seasoning Time: 30 Seconds per Brisket
Loading Time: 30 Seconds per Brisket
# of Logs: 3
Cooking Time: 10 - 12 hours, depending on the load in the smoker
Cooking Temp: 200º - 210º, depending on the load in the smoker
Unloading Time: 30 seconds per brisket
1. Fill a sink with water.
2. Place proper number of briskets in the water, and allow to soak for a few minutes. This will allow the seasoning to stick to the briskets, and remove excess blood.
3. Load logs/chips into the firebox.
4. Place one brisket at a time on a pan and rub the entire brisket with brisket rub. Evenly and heavily coat all sides of the brisket. Shake off excess seasoning. Place seasoned briskets on a sheet pan.
5. Starting at the top rack, begin placing briskets on the rack, WITH THE FAT SIDE UP!! The fat side must be on top, as this allows the fat/juices to "cook down" into the brisket. Leave 2" between each brisket, so that the smoke can circulate between the briskets, and smoke them evenly.
Set the thermostat @ 200º - 210º.
Close the smoker, and begin the smoking process.
1/2 cup granulated sugar
1 cup Spanish paprika (the brighter red the better)
1 ½ TBS salt (or to taste)
1 TBS black pepper
1 TBS onion powder
1 TBS cinnamon
1 TBS granulated garlic
2 TBS Accent (optional…..This does add lots of flavor)
1/4 cup granulated brown sugar
1 TBS Lawry's seasoned salt
Recipe # SMK-9
Tools Required:
4" deep pan
Measuring cup
Clear wrap
Cutting board
Slicing knife
Recipe: Briskets per Pan
2 cups brisket rub
3/4 cup liquid smoke
1. Fill 4" deep pan to 1" from top with water.
2. Add brisket rub and liquid smoke to water and mix well.
3. Add briskets to pan, making sure they are covered with water.
4. Cover pan with foil and set oven at 325º.
5. Place pan of brisket in oven and cook for approx. 3 -4 hours.
6. When brisket is done, remove from oven, remove from pan, Place on serving tray, slice and enjoy!
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text:
Before I started traveling to Colombia, I used to think that what better time to go than December, I mean for me it was the perfect time to get away most of my clients were away at this time so it was a free enough time to spend a couple of weeks away at least. For me to go these days I really prefer at least a couple of weeks minimum as the long weekends kind of suck after a while. They work but when you get used to it you'll find they are just not enough solid time to spend. In fact after a few trips you start thinking how you can make the next one a whole month or longer.
It's funny how the last time I was living in Pereira one time only did I see a gringo, and this guy looked like he got so addicted to it that he ended up staying in the streets. I mean this guy looked dead broke, what appeared to be dirty clothes. He might have been staying at one of the centro hostels that run around 7 dollars a night. Then I was thinking maybe this gringo just got out of the Pereira prison system after serving 4 years for attempting to traffic a little something. Who knows but it was a real rare moment.
The truth of the matter is if you want to meet someone while over there it couldn't be a worst time to go. Reason being is that most Colombians will either be away in fincas, other cities or just home with family visiting from other areas. The local places are alot slower than usual this time of year and if you do find a date there is a higher chance of cancellation during this time with the risk of not finding another date due to everything being so family oriented. Not to say you wont hook up, but your chances are reduced by at least 50%. Some areas appear to be like ghost towns during this time of year.
The holiday time in Colombia is great when you have a girlfriend or wife over there and you can spend it with her and the family, then it's totally recommended. It's a time to really get to know the culture, check out the lights on La Playa in Medellin, or the lighting over the river in Poblado. Attend all the parties on the block of your woman's house. Eat some Natilla that will come from family and friends during the whole month usually. Natilla is a custard type thing and each one has a different flavor, some come with raisins, some come plain, but they are an awesome dessert dish. It's a time strictly for family up until around January 6th everyone starts coming home.
New years eve is pretty cool and the places are packed, I usually ended up spending those on block parties in the barrios also. They would cook fresh pork and have continual plates passed down the line throughout the night. Bottles of aguardiente flowing from the local liquor tienda on that very same block for shots and a dj right outside one of the houses, usually someone that lives right there in the neighborhood. A constant flow of local girls dancing in the streets and having a blast. I have also been out to the clubs on New Years eve and getting a taxi can literally take all night. If you can, much better to enjoy in your Colombian girlfriends home barrio.
Basically my recommendations for any new Colombia travelers is to stay away during the December holidays as it may turn out to be a real disappointment if your goal is to find someone worth while.


text:
Officers confiscated 34 video gambling machines and cash from two nondescript buildings where police say illegal gambling operations were being run. One was outside Canton and one was in Waynesville ŌĆö each housing rows of video gaming machines and little else.
ŌĆ£I started receiving phone calls from family members of people going down there, and family members told me they were spending their entire pay check and didnŌĆÖt even have meal money for their child to go to school the next week,ŌĆØ Haywood Sheriff Greg Christopher said. ŌĆ£ThatŌĆÖs when we asked our guys to start to take a look at this.ŌĆØ
Undercover officers frequented both gambling parlors and played the machines, which featured video poker and keno. To build a case, they had to play until they won and collect cash payouts, according to police reports. But it wasnŌĆÖt terribly tough to infiltrate the play-for-cash operations.
ŌĆ£They were advertising cash payouts on the walls. It was no secret,ŌĆØ said Waynesville Police Chief Bill Hollingsed.
There have been no arrests or charges made yet, pending the cases appearing before the grand jury. The investigation is ongoing.
The two video gambling parlors do not appear to be connected. The one in Waynesville, located on South Main Street near Super Walmart, clearly advertised what was going on inside with signs on the outside of the building.
But the one in Canton, located on the old Asheville Highway east of town, had sheets over the windows and no sign on the building. Yet there were always plenty of vehicles in the parking lot, according to police reports.
ŌĆ£They had a lot of enticements to bring people in to the establishments,ŌĆØ Christopher said.
They would give out free sodas, coffee and snacks, sometimes with crock-pots of food keeping warm on a table.
Coincidentally, 17 machines were confiscated from each. Due to the sheer size of machines ŌĆö much bigger than the stash of drugs and guns that typically fill police evidence lockers ŌĆö an off-site evidence room had to be set up just to hold them.
The video gambling industry has sparred with law enforcement and state lawmakers over the past decade. The state has banned various forms of video gambling three times ŌĆö in 2006, 2008 and 2010. But each time, video gambling operators tweak their machinesŌĆÖ software to exploit loopholes in the law and keep on humming.
The latest incarnation, known as video sweepstakes, have continued to operate in plain sight, tucked into the corners of gas stations around the region. Police have made arrests but have been unable to make charges stick in court due to ambiguity over the machinesŌĆÖ software.
However, the machines confiscated in the two busts in Haywood County donŌĆÖt fall into the murky category of sweepstakes, but are forms of outright video gambling clearly outlawed by the state, Hollingsed said.
ŌĆ£These games were patently illegal on their face by state statute,ŌĆØ Hollingsed said.
Christopher said law enforcement could not morally turn a blind eye to the activity.
ŌĆ£We are sworn to uphold the law, whether it is illegal drugs or gambling,ŌĆØ Christopher said. ŌĆ£The number of complaints we had received at the sheriffŌĆÖs office was huge. I felt after listening to these complaints and these family members tell us what was happening that we had to do our job.ŌĆØ


text:
SKU: conf_lolli_living_lamp_base
Light up baby's nursery with the adorable Lolli Living Lamp Base. Featuring a convenient night light in the base, the Lolli Living Lamp Base offers multiple lighting options ideal for nighttime feedings. With an on-off, inline switch, the Lolli Living Lamp Base is perfect to have bedside. Plus, the Lolli Living Lamp Base coordinates with Lolli Living nursery accessories (sold separately) for a stylish, unique nursery.
Please note: The Lolli Living Lamp Base does not include a lamp shade.
Features & Benefits:
- Decorative Lolli Living Lamp Base
- Convenient night light in lamp base
- Ideal for nighttime feedings
- Multiple lighting options
- On-off, inline switch
- Includes energy efficient CFL bulb
- Easy to assemble
- Lamp shade sold separately


text:
Tool, R. Kelly, Danger Mouse, 209 Others Support 'Blurred Lines' Appeal"The verdict in this case threatens to punish songwriters for creating new music that is inspired by prior works," argues an attorney for Robin Thicke and Pharrell Williams.
Robin Thicke, Pharrell Williams, T.I. Appeal Copyright Infringement VerdictThe three performers are seeking to overturn the ruling that awarded $5.3 million in damages to Marvin Gaye's family as well as 50-percent of royalties.
Robin Thicke: 'I Can't Feel My Face' Is My Favorite Song of the Summer'He worked with the same production team for his single, "Back Together."
Robin Thicke's Dad Has Sex to His Son's Music & He's MortifiedAnd wants all his music back.
Robin Thicke, Pharrell & 'Blurred Lines' Could Get a New TrialThe battle between the Marvin Gaye estate and "Blurred Lines" writers Robin Thicke and Pharrell is not over yet.
Marvin Gaye's Children Say Reports They're Suing Pharrell Are '100% False'For anyone who's confused about the "Blurred Lines" verdict, Marvin Gaye's children have written an open letter, which hopes to "set the record straight on a few misconceptions." Specifically, rumors that they're suing Pharrell.
Marvin Gaye Family Now Going After T.I., 'Blurred Lines' DistributorsA ruling in the family's favor could block distribution of the song.
Robin Thicke, Pharrell Lawyer Plans to Appeal 'Blurred Lines' Ruling"We owe it to songwriters around the world to make sure this verdict doesn't stand," said attorney Howard King.
Marvin Gaye's Family Plans to Block Sales, Distribution of 'Blurred Lines'Their attorney said they'll begin the process in about a week.
Marvin Gaye Family Wins 'Blurred Lines' Lawsuit, Awarded $7 MillionThe jury ruled against Robin Thicke and Pharrell, who will have to pay over $1 million each.
Pharrell, Lorde, John Legend Parodied in the Funniest Bar Mitzvah Video of All Time: WatchIf there were awards for best bar mitzvah video invites, Brody Criz would win them all for this music parody-packed clip.
Bono and Robin Thicke Among the Least Influential People of 2014, Says GQAmong the magazine's least influential celebrities includes one of the most talked-about artists of the year in the U2 frontman.


text:
"I recently found you through my smartphone and I'm hooked. I find the program very interesting as I try to deepen my faith and knowledge of the Catholic Church. I have a lot of friends who converted to Protestant churches. I will continue to learn every day, and hopefully I can share what I've learned with them."
~ Seri, South Korea
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"All heretics wish to be styled Catholic, yet if anyone asks them where is the Catholic place of worship none would venture to point out his own."
~ Augustine of Hippo, convert, bishop, theologian, Doctor of the Church; using the early Christian consensus on the name of the Catholic Church to show how even heretics know the true church (from the article Catholic)


text:
Fall 2013 - 63805 - PA393K - Applied Microeconomics for Policy Analysis
| King, Christopher
|Unique Number:
|Day & Time:
|W 2:00 pm -5:00 pm
|Waitlist Information:
|For LBJ Students: UT Waitlist Information
Course Overview
This course covers microeconomic policy analysis and is usually taken during the first year. It acquaints students with the ways in which economic analysis bears on public policy issues. Students learn to identify the relevant economic analyses for their strengths and weaknesses in relation to the economic principles involved, and to comprehend and assess what professional economists can contribute to the public sector. The first portion of the course covers microeconomic theory with particular emphasis on determining price and output under perfect competition and other forms of market structure; general equilibrium and welfare theory; and the concept of market failure, including public goods, externalities, and imperfect market structure. The second portion of the course provides a rigorous coverage of the methodology of cost-benefit analysis and demonstrates its application through examination of specific case studies.
Section Description
Course Description/Objectives: The primary purposes of this course are: 1) to provide students with little prior economics a thorough grounding in the principles of microeconomic theory and their applications to public policy issues and problems, 2) to foster teamwork skills in conducting policy analysis, and 3) to build and improve students' communication skills. The course will be conducted through class lectures, student presentations and discussions, as well as an in-depth market-failure analysis. Student teams will present material and co-lead class sessions. A teaching assistant will be available during weekly office hours and by appointment and will lead regular review sessions. Theory and principles learned will be applied via problem sets, brief policy memos, in-class exercises and a market-failure analysis. Course completion should prepare students to perform advanced microeconomic policy analysis on the job and to pursue advanced study in related courses.
Course Requirements: You are responsible for materials covered in class and all assigned readings. You are expected to participate in class discussions and to complete all assignments on time; late assignments will be downgraded automatically for each day late. Students are to prepare and present market-failure analyses in groups of 3 or 4 (max.). Final grades, using pluses and minuses (e.g., A, A-, B+), will be based on:
- Class Presentations & Participation 20%
- Problem Sets (4) 20%
- Midterm Exam (1) 30%
- Market-Failure Analysis 30%
Required Textbooks (available at Co-op East & online):
- R. Pindyck & D. Rubinfeld, Microeconomics, 8th (or recent) Ed., Pearson Education/Prentice-Hall, 2013
- R. Blank & W. McGurn, Is the Market Moral? Brookings Institution Press, 2004
- C. Wheelan, Naked Economics: Undressing the Dismal Science, Revised Ed., Norton, 2010
- D. Baker, Taking Economics Seriously, Boston Review Books/MIT Press, 2010