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Everfrost Chip
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- Everfrost Chip
- Item Level 1
- Binds when picked up
- "So cold it burns..."
Everfrost is magical never-melting ice found in a few places in The Storm Peaks. Calder from Sons of Hodir wants the Everfrost Chips for quest [80] Everfrost (R). Calder claims that there were more of Everfrost years ago, but the Jormungar have devoured nearly all of it.
Source Edit
This item is found in the south eastern section of Storm Peaks, on the plains and mountains. They appear to be on a 45 minute spawn timer, with 6 possible spawning zones, which each contain a single chip.
- Thunderfall - On the ground and low cliffs on West side
- Mountains south east of Thunderfall - High and East side of the mountain
- Frostfield Lake, the lake east of Dun Niffelem - On the snow around the lake
- Dun Niffelem - On the ground, underneath giants as well
- Eastern half of the Valley of Ancient Winters - Can spawn almost anywhere
- Western half of the Valley of Ancient Winters - Found along the mountainside
The following spawn locations were provided from Wowhead data.
Sons of HodirEdit
These items are used for the quest [77] Everfrost to gain reputation with the Sons of Hodir. You can see them when you are neutral with the Sons of Hodir, but you may not loot them until at least friendly.
External links Edit


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Inside Claridges (TV Series)
Watch Inside Claridges episodes online for free here at Telepisodes via the links provided in each episode page. Inside Claridges takes a look behind the scenes of the famous hotel in Mayfair. Jane Treays spends a year behind the scenes following staff and guests.
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Released Date: December 3, 2012 (UK)
Genre: Business, Documentary
Network: BBC Two (UK) ()
Latest episode: Inside Claridge's Season 1 Episode 3
Season: 1, All Episodes
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There's no casting details yet.

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Independently owned franchise established 7 years ago which offers pet care services in the comfort of the place they love best-their home.
Showing Comments
Business History
This franchised business has been independently owned and operated for the past 7 years in Lake County and is an award winning operation that has a 5-Star Yelp rating. Services are scheduled by customers using a fully functional website that allows for booking visits and updating their pet information on-line. Services offered are pet sitting, daily dog walk service, in-home boarding and day care services, overnight home-sitting, backyard clean-up, pet taxi services and home security checks. Sales have increased in each year of operation and are projected to reach $150,000 in 2016. This business was awarded the Daily Herald 2016 Readers Choice Award for Best Pet Boarder.
Competitive Overview
This is a competitive industry but this business has knowledgeable and caring employees evidenced by its increase in sales in each year of operation.
Potential Growth
Open another location to increase the coverage area of the business.
Financials (USD)
Asking Price $95,000
Sales $136,353
Profit $43,682
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WHAT DA FUNK? Stacy's Chips Uses James Brown's Flavor
I can't say they stole the soul, but they sure do emulate it in their latest spot for their "Simply Naked" pita chips. Stacy's chips are actually a favorite of mine among healthy snacks. As far as I'm concerned, the commercial pays homage to the FUNK legend, but I wonder what he would think if he was alive to see the T.V. ad.
Funk Ad(d)s Up 2 Do$$ars – Part VI: GAP Band vs. Commodores
Charlie Wilson is without a doubt one of the best return to music stories in R&B. I won't call it a comeback, cause he's been here for years, with one of the FUNKIEST bands in the '80s – The GAP Band. Lionel Richie was down with the Commodores before his solo success, and today they both have songs, backing major brands.
James Brown's biopic "Get On Up" hits theaters today. In the spirit of FUNK, I wanted to share an interview I did with him for those who might want to hear the actual voice, of "The Godfather of Soul." Then I figured, why not include three other masters, of the FUNK genre. Having the honor to speak with these men were not only a highlight of my career in music, but in life, as they provided the soundtrack to it (click on photo above for full view).
Lenny is dropping his new album "Strut" on September 23rd! Rockin' since 1989, his debut album, was "Let Love Rule." I remember his then wife, Lisa Bonet, coming to visit us at WBLS to promote her man's new music. We played it while she sat with us in the studio, and chatted about his musical vision, when NOBODY else did. Although his sound wasn't traditionally that, of what one would hear on an R&B station, we supported him. We were 'BLS, we played Queen and INXS – why? Because it was Dope!
15 FUNKY MUSIC BIOPICS – honorable mentions, dream 'pics & conflicts
As music fans, lovers and aficionados are perched and waiting for "Get On Up" and "Jimi: All Is by My Side," one can't help but think of musical biopics that have been previously released. This blog was prompted and inspired by a chat with, and query from my wife, as to how many films of this nature have been done — there are numerous. While many are excited for the lives of James Brown and Jimi Hendrix to grace the silver screen, the lives of other music icons have been brilliantly depicted. (click on photo above for full view)
44 of FUNKALICIOUS' FAVORITE FILMMAKERS & STORYTELLERS
As I was prepping the blog that will follow this one, it occurred to me that I had yet to create this list. Although I've done items on a few of them, as this outlet and website continues to grow, I wanted to pay homage to those that have shaped, inspired and influenced my view and love for film.
The Death of Jim Amidst FUNKY ish
James Garner stood tall along side singers Joan Baez, group Peter, Paul & Mary, Odetta Holmes, Mahalia Jackosn and Bob Dylan, joining A-List actors Marlon Brando, Burt Lancaster, Charlton Heston, Paul Newman & wife Joanne Woodward, Ossie Davis, Ruby Dee, Diahann Carroll, Harry Belafonte, Lena Horne, Sidney Poitier, Maya Angelou, Josephine Baker, Sammy Davis, Jr., opera singer Marian Anderson, baseball legend Jackie Robinson and writer James Baldwin at the Civil Rights Movement's "March on Washington."
Queen Latifah is the Empress of the Blues
A lover of music, history and culture, film biographies or the biopic, have long been a favorite of mine. While there are a plethora of stories to be told about people of latter day, I've always been fascinated about the journey of people that made their mark on the world before I was born, or made an impression on me early on.
FUNK Ad(d)s Up 2 $ – Part 5 / Exploiting "The King of Pop"
Five years ago at the inception of this Funkalicious blog, I talked about the value and use of FUNK in advertising. My intent was to show how influential FUNK still is today, although the epitome of the essence of FUNK, was 40 years ago.
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The first year I started this blog, I wrote a poem for Mothers http://museumofuncutfunk.com/2009/05/20/funky-mothers-day/. I sent it out to all my friends that are moms via e-mail and made it my sixth blog installment. Earlier this week, an old friend of mine lost his dad, and another reminded me that Father's Day was this Sunday. So I took time out to write a little something, in hopes it will allow "My Fellow Fathers" to have a better Monday.
FUNKY DIVAS SHELIA & CHAKA/ PATTI LaBELLE FUNKS UP BROADWAY!
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The year is half-way over as summer is upon us. The first five months flew by to me, but since 2012, my thinking has been that 2013 & 14 are merely set-up and transitional for 2015. I don't even know why I've thought that way, "it's just a feeling I've got." I personally moved to Boston this year and graduated from college last year, so perhaps it was just the transitions of my life that I foresaw.
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Taco Bell is tired of Micky-D's raking in all that breakfast dough. So they've decided to add breakfast food to their menu!!! While I'm sure there are several that are excited about a new fast food breakfast option, the stuff they'll be selling, is not necessarily nutritious. I'll let the menu speak for itself…


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Beachcombers Unit 2 - PET FRIENDLY - Linen incl.
From $93 / night
Description from the owner
Description from the owner
Bedrooms: 2/
Bathrooms: 1/
Sleeps: 4/
Type: Apt. / Condo
Book this 2 bedroom, 1 bathroom apt. / condo in Wooli today! A total of 4 people can sleep here comfortably.
Guests can enjoy a deck, outdoor grill, and parking space among other amenities offered by this rental.
Travelers are sharing their opinions on this property. It has an overall rating of 5/5 thanks to an average of 2 reviews.
Costs vary, with the average weekly rate as low as $750.00, depending on travel dates.
The owner last updated the property's calendar 11 months ago, so this rental may not be available for your requested dates, but please inquire to confirm.
Proximity to TripAdvisor's Top Wooli Attractions
Proximity to TripAdvisor's Top Wooli Attractions
Reviews (1)
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Have you all been wondering what exactly is North Indian food? Your wait ends here. In this post, we will take you through the cuisines of North India which will answer a lot of your questions. Everyone knows North Indian food, but do they know the vastness of cuisines found in this part of the country? Let us know one by one about the different cuisines that come under North Indian Food.
Kashmiri food that we get in restaurants is no way same as Mughlai. Influenced by the traditional food of the Kashmiri Pundits, the cuisine has adapted to the flavors of Afghanistan and Persia. If you can smell saffron in your food, Kashmiri might be one of them. Some of the popular Kashmiri dishes would be Gushtaba, Dum Aloo, Rogan Josh, Tabak Maas and Rista. The ceremonial feast of Kashmir is known as Wazwan.
You can find the authentic taste of Kashmir in Delhi NCR at:
- Waza – Malviya Nagar, Delhi
- Chor Bizarre, Hotel Broadway – Darya Ganj, Delhi
- Koul Kashmiri Daawat – Gurgaon, Haryana
- Gulfam Kashmiri Wazwan – Nizamuddin, Delhi
The food of Himachal Pradesh is lip-smacking with an array of spices. You can find a taste of Punjabi and Tibetan influence in this food. The cuisine is prepared with herbs and spices like cinnamon, clove, red chillies, cardamom and coriander leaves. Some of the choicest specialties of Himachali food include Sidu, Aktori, Dham, Seppu Vadi, Badana and Babru.
The recommended place to try Himachali food in Delhi NCR are:
- Dogra Himachali – Ambience Mall, Gurgaon
Punjabi food on its own is vast with numerous options including vegetarian and non-vegetarian delights. The spices differ from minimal to pleasant to high. This is one cuisine that is relished by everyone including international tourists. However, the food cooked in the houses tastes different from that served at restaurants. Oil, Butter and Ghee are vital ingredients in this cuisine. The most commonly relished dishes hailing from Punjab are Butter Chicken, Tandoori Chicken, Tikkas, Daal Makhni, Makke Di Roti – Sarson da Saag, Chana Bhatura, Stuffed Paranthas and Sweet Lassi.
There is a plethora of dining options for Punjabi cuisine, some of the finest ones include:
- Angeethi – Sri Fort Road, Khel Gaon Marg, Delhi
- Punjabi By Nature – Vasant Vihar Delhi, Sector 18 Noida
- Pind Balluchi – 22 Locations, Delhi NCR
- Not Just Paranthas – 3 Locations, Delhi
- Pure Punjab – Khan Market, Delhi
Awadhi food has originated from the Land of Lucknow in Utter Pradesh. This cuisine has been popular among the Nawabs since decades. It is a delightful cuisine for the non-vegetarians. The perfect and balanced blend of spices and use of aromatic masalas give this food a unique flavor including Saffron, Cinnamon, Red Chilli and Cardamon. The food cooked in simmering pots is what adds to the flavor of the dishes. Some of the widely eaten delicacies of this cuisine are Kakori Kebabs, Galawati Kebabs (Tunday Kebabs), Shami Kebabs, Seekh Kebabs, Ulte Tawe Ka Parantha and Boti Kebabs.
The best places in Delhi NCR to try this food are:
- Tunday Kababi – Qutab Plaza DLF Phase 1, Gurgaon
- Alkauser – Chanakya Puri, Delhi
- Habibjaan – Dwarka, Delhi
- Nawabs – The Taste of Lucknow – Sector 7, Noida
Bihari food is less commonly known among the people of Delhi. The food of Bihar is healthy, great on the palate and easy to prepare. Sweets form a major part of specialties from Bihar. Made with fresh indigenous and seasonal ingredients, it is a must try for people. Some dishes among Bihari food include Litti, Dal Pitthi, Malpua, Gojha, Khajuria, Shakarpara, Daal Puri and Kheer Makhana.
Dining options for the cuisine are:
- Potbelly Rooftop Café – Shahpur Jat, Delhi
- Café Wanderlust – Gurgaon
- Mr. Littiwala – Laxmi Nagar, Delhi
North-Eastern cuisine is known for tribal food. The land of the seven sisters – Arunachal Pradesh, Manipur, Meghalaya, Nagaland, Mizoram and Tripura is home to culinary delights simply cooked primarily for non-vegetarians. Fish is the most commonly eaten among the people there. The food is rich and sufficient to fill the palates. The must try delights of this are Momos, Thukpa, Noodles, Til Pitha, Awo Kutsu, etc. The most deadly spices namely Raja Mirchi and Bhut Jolokia (Ghost Pepper) is found in the food.
Places serving this food in Delhi NCR are:
- Rosang Soul Food – Green Park, Delhi
- Wangchuk's Ladakhi Kitchen – Sushant Lok, Gurgaon
- Yeti – The Himalayan Kitchen – Hauz Khas Village, Delhi
- Flavours of Tibet – Safdarjang Enclave, Delhi
This is an overview of the different North Indian cuisines found in Delhi. You would now be able to relate to the dishes looking at the post. The dishes would make you recall and aware of the food you are eating. To sum up, we would say North Indian is not all about Punjabi and Mughlai food.
(This story has been written by Sajeeli Gupta Kathpal).


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Married in Margaritaville, anyone?
Even if you keep track of your salt shakers and don't end up venturing to a Jimmy Buffett-style wonderland for your wedding day, you can still have a little taste of his imaginary paradise by incorporating tequila into your signature cocktail -- and it doesn't even have to be a margarita.
To celebrate National Tequila Day on Tuesday, we've rounded up 10 delicious cactus liquor concoctions. Click through the slideshow to start shaking up your own tropical island-inspired libation.
Signature Tequila Cocktails
More:Mixed Drinks Wedding Reception Cocktails Signature Cocktails Non-margarita Tequila Drinks Margaritaville
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Galavant is an American comedy and musical TV series. It was aired on January 4, 2015, on ABC. The show is created by Dan Fogelman. Authors of the songs for Galavant are composers Alan Menken and Glenn Slater. ABC premiered this series instead of Once Upon a Time, during its mid-season.
This format – sitcom + musical – is quiet an extraordinary experiment of the creators. It is supposed to combine all the best from two major entertainment production centers – Hollywood and Broadway. What's the result of it? Check yourself. Read More


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White and Black Maxi Dress Cutout Back - Mia
$ 47.00
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- 95% Rayon
- 5% Spandex
- Model is 5'4 and is wearing a small size. Fits true to size but runs a little long. White and black colors. Cutout back, slit on one side.


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PLAINFIELD - Police say two people were killed in a car crash in Plainfield Saturday morning.
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Police say both people inside the car were pronounced dead at the scene. Their identities have not yet been released.
Officials say speed may have been a factor. The cause of the crash remains under investigation.


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- New Post
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- Photos
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- Things Nearby
This vacation rental property sleeps 6 with 2 bedrooms and 1 baths. 847 ST. JAMES PLACE, second FLOOR: This is the second Floor Unit of a North End Duplex on St. James Place which Sleeps Four to Six People with Two Bedrooms and One Bathroom. → Read More
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- Product Details
An ideal present for that loved one who always has a favoured cocktail in their hand, these magnificent Personalised Wooden Coasters - Approved Cocktail ensures that they will always have a stylish place to set down their glass when they're at home.
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Each coaster boasts the colourful cocktail and approval stamp image and the words "Approved Cocktail" which can be preceded by your choice of name up to a maximum of 12 characters to make the set truly unique to the lucky recipient.
Coaster Diamentions approx. 10cm x 10cm
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We are aware of how important it is for you to receive your gifts in time. Therefore, once you place your order we will process straight away and dispatch as soon as they are ready to go. We usually dispatch all items within 1-3 days however, this may be a little longer during special occasions such as Christmas. If multiple items ordered, we may dispatch items separately or all together, depending on the process.
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Bibliographic Details
Title: Speaking with a Purpose -- Sixth 6th Edition
Publisher: Pearson Education
Publication Date: 2004
Binding: Soft Cover
Book Condition: Good
Edition: SIXTH EDITION
Select pages have highlights and markings present. Moderate shelf wear, creasing on covers. Bookseller Inventory # 100702463
Payment Methods
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AbeBooks Bookseller Since: December 5, 2005
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Bookzombie Books
158 Los Cerritos Dr.
Vallejo, CA 94589
Shipping costs are based on books weighing 2.2 LB, or 1 KG. If your book order is heavy or oversized, we may contact you to let you know extra shipping is required.


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Pressure Regulator, 1-1/2 In, 2 to 15 psi
PENTAIR CASH VALVE| Zoro #: G0219904| Mfr #: 20304-0009
Zoro #: G0219904Mfr. Part #: 20304-0009
$1,007.95 /ea
This item ships free. DetailsStandard ground shipping
Technical Specifications
|Zoro #: G0219904 Mfr #: 20304-0009
|Series: B
|Max. Temp.: 180 Degrees F
|Max. Pressure: 400 psi
|Inlet Size: 1-1/2"
|Height: 8-3/4"
|Length: 6-3/4"
|Outlet Size: 1-1/2"
|Body Material: Bronze
|Item: Pressure Regulator
|Pressure Adjustment Range: 2 to 15 psi
|Country of Origin (subject to change): United States
Product Description
Pressure Regulator, Series B, Body Material Bronze, Inlet Size 1-1/2 In., Outlet Size 1-1/2 In., Length 6-3/4 In., Height 8-3/4 In., Pressure Adjustment Range 2 to 15 psi, Max. Temp. 180 Degrees F, Max. Pressure 400 psi
Restrictions and Compliance
- This product is not intended for potable water applications (human consumption – drinking and cooking) and has not been designed to be compliant with the "Safe Drinking Water Act" requirements for low lead in potable water applications. This item is for use, only, in non-potable (non-human consumption) water applications.
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text:
A Night in the Life of Jimmy Reardon
Release Date: February 26th, 1988
R|1 hr. 33 min.
Plot Summary
A high-school lothario's romantic woes form the basis of a semi-autobiographical tale from director William Richert.
Cast: River Phoenix, Ann Magnuson, Meredith Salenger, Ione Skye, Louanne, Matthew Perry,
Director: William Richert
Genres: Comedy drama


text:
Rent recently raised and feeling frustrated? Expand your horizons and expand your property search...consider being your own landlord! The property consists of 3 rental units bringing in $1,400/month in rent with tenants paying all utilities. The duplex rents for $900/month ($550 lower & $350 upper), while the stand alone 2 BR, 1 BA home rents for $500/month. Expenses total approximately $550/month (including property management & maintenance), resulting in a monthly net income of $850. The property has been well maintained over the years with a good rental history in a nice neighborhood within walking distance of downtown shopping and recreation. By expanding your horizons and your search, you can also expand your income. Pick your unit and put the rest toward your mortgage! Property has a 7% cap rate.
Features Residential
|Style: 1 Story, 2 Story
|Lake Chain:
|Garage: 3 Car, Addl Parking Avail
|Lake Name:
|Year Built: 0
|River Name:
|Basement Type: Full Basement, Unfinished
|Water Frontage (feet): 0
|Fin SqFt Total: 2,495
|Lake Size-Acres: 0
|Lot Size: 7405
|High School: ON Rhinelander
|Site Influence: Driveway, Recreation Nearby, Shopping Nearby
|School District: Rhinelander
|Construction: Frame/Stick


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decided: November 3, 1976.
DONNA LYNN REIFF, A MINOR, BY HER PARENTS AND NATURAL GUARDIANS, DONALD A. REIFF AND DOVIE K. REIFF, AND DONALD A. REIFF AND DOVIE K. REIFF, IN THEIR OWN RIGHT, PLAINTIFFSv.COMMONWEALTH OF PENNSYLVANIA, CITY OF PHILADELPHIA, PENNSYLVANIA, ET AL., DEFENDANTS
Original jurisdiction in the Commonwealth Court of Pennsylvania in case of Donna Lynn Reiff, a minor, by her parents and natural guardians, Donald A. Reiff and Dovie K. Reiff, and Donald A. Reiff and Dovie K. Reiff, in their own right v. Commonwealth of Pennsylvania and Pennsylvania Board of Probation and Parole.
Melvin Alan Bank, with him Bank, Minehart & D'Angelo, for plaintiffs.
Robert A. Greevy, Assistant Attorney General, with him J. Andrew Smyser, Deputy Attorney General, and Robert P. Kane, Attorney General, for defendants.
Judges Crumlish, Jr., Wilkinson, Jr., and Rogers, sitting as a panel of three. Opinion by Judge Rogers. Concurring and Dissenting Opinion by Judge Crumlish.
[ 27 Pa. Commw. Page 505]
This is a trespass action in which plaintiffs, invoking the original jurisdiction of this Court,*fn1 seek to recover damages for injuries sustained by the minor plaintiff during the course of the robbery of a Philadelphia shop. The Reiffs assert that the present defendants, the Commonwealth of Pennsylvania and the Pennsylvania Board of Probation and Parole (Board), are liable because of the gross and wanton negligence, recklessness and carelessness of certain members and employees of the Board.*fn2 Specifically, it is alleged that the defendants, with knowledge of the serious criminal records of the alleged felons, did one or more of the following: allowed the robbers to be released on parole, failed to properly supervise them while on parole, and failed to apprehend them for criminal activity until after the plaintiff had been injured.
The Commonwealth and the Board have raised preliminary objections, alleging that the doctrine of sovereign immunity clothes both the Commonwealth and
[ 27 Pa. Commw. Page 506]
the Board with absolute tort immunity. The resolution of this matter is controlled by our recent decision in Freach v. Commonwealth, 24 Pa. Commonwealth Ct. 546, 354 A.2d 908 (1976), where we held that suits against the Commonwealth and the Board are expressly precluded by Article I, Section 11 of the Pennsylvania Constitution. However, plaintiffs suggest that in view of recent legislative expressions of concern for the innocent victims of crimes,*fn3 we should reconsider the doctrine of sovereign immunity, at least insofar as it prevents actions of this character.
The Commonwealth Court has often held that it has no power or authority to ignore or overturn prior pronouncements of the Supreme Court of Pennsylvania controlling this subject matter. And as the Supreme Court has repeatedly held, the Commonwealth's immunity can be waived only by express legislative enactment manifesting a consent to suit. Brown v. Commonwealth of Pennsylvania, 453 Pa. 566, 305 A.2d 868 (1973). Neither of the two recent acts cited to us by plaintiffs satisfied this constitutional requirement. Thus, we are left with no choice but to conclude that the doctrine of sovereign immunity insulates both of the present defendants from liability.
And Now, this 3rd day of November, 1976, it is hereby ordered that the preliminary objections of the Commonwealth are sustained and the complaint herein is dismissed.
Preliminary objections sustained. Complaint dismissed.
[ 27 Pa. Commw. Page 507]
Concurring and Dissenting Opinion by Judge Crumlish:
I must respectfully dissent. As I stated in my Concurring and Dissenting Opinion in Freach v. Commonwealth, 24 Pa. Commonwealth Ct. 546, 354 A.2d 908 (1976), my position is that the Pennsylvania Constitution neither requires nor prohibits sovereign immunity, but rather, is neutral on the subject and merely sets forth the procedure whereby the Commonwealth may waive the power to be immune. Therefore, it is within the power of the judiciary to examine the merits of the doctrine and, if necessary, excise the doctrine from our law. Finally, in all sovereign immunity cases, we must develop a discovery procedure designed to adduce all relevant information as to the duties of an individual defendant before cloaking him with absolute immunity.
I dissent.
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UK pension reforms07 Jul 2014
Take a Financial News trial today:
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Does your company already have an FN licence? Email us now
Senior actuary questions motive behind landmark UK pension reforms
A "desire to bring forward tax revenues" was the "primary driver" behind the surprise announcement made in March by UK chancellor George Osborne calling for full freedom to be granted to private-sector workers over how to use their retirement income, Chris Daykin, a former senior adviser to the UK government, has claimed.
The Treasury is "presumably assuming" that the planned changes to the defined-contribution pensions regime next April will prompt many retirees to "take their money out as quickly as possible", resulting in a windfall for the Exchequer, Daykin, who held the role of government actuary for the UK from 1989 to 2007, told the Financial Times.
Steering savers away from annuities could aggravate poverty among UK pensioners, Daykin warned, saying that "many people may spend their retirement monies too quickly and end up on a very low income".


text:
11:48 May. 28, 2016
Greek Prime Minister Alexis Tsipras , right, shakes hands with Russian President Vladimir Putin before their meeting in Athens, Friday, May 27, 2016 (AP photo)
Russia's president rules out return of Crimea to Ukraine
Sanctions against Russia are not productive according to the Greek Prime Minister Alexis Tsipras. He made the statement after meeting Russia's President Vladimir Putin in Athens.
Weeks before the European Union is set to renew the punitive measures imposed on Russia over its aggression in Ukraine, Tsipras called on the West to lift them and start dialogue with Moscow:
"The vicious circle of militarisation, of Cold War rhetoric and of sanctions are not productive. The solution is dialogue," he said at a joint press conference with Putin.
The EU slapped sanctions on Russia after Moscow annexed Crimea from Ukraine in March 2014. The 28-strong EU needs unanimity to keep the sanctions in place and the bloc's unity has been increasingly tested on that.
Read also 'U.S. will not lift Crimea sanctions unless peninsula is deoccupied'
Speaking about Crimea, Putin ruled out the return of the occupied peninsula:
"As far as Crimea is concerned, we consider this question is closed forever. This was a historical decision taken by the people that live in Crimea. Russia will not conduct any discussions with anyone on this subject," he said.
In response to Poroshenko's pledge to return Crimea to Ukraine, Putin says question of Crimea "is closed forever" pic.twitter.com/ryiUHjZDw9— Steve Rosenberg (@BBCSteveR) May 28, 2016
Read also Russia extends tit-for-tat sanctions till end of 2017
Crimea was annexed by Russia after a sham referendum. Despite Moscow's claims it was acting on the will of the Crimean people, who voted to join Russia, Western governments and Ukraine consider the annexation an illegal land grab.
Based on reporting by Reuters


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Did you have a good week? Better yet, do you have any weekend plans? Hopefully you'll be enjoying this incredible spring weather and the newly bloomed cherry blossoms! Can't wait to soak in all the pretty this weekend. Don't forget to join us again this weekend for more DC wedding fun!
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Quick and easy comfort food recipes are just what any family needs on a busy weeknight. We've pulled the editors' best 20-minute comfort food recipes that are perfect for your dinner table. Whether it's soup, stew, sandwiches, mashed potatoes, or mac 'n cheese, if it puts a smile on your face, there's a 20-minute recipe for it here. Try the Baked Mozzarella Bites for an easy appetizer, the Crisp Cauliflower Fritters for a fun side, or the Shepherd's Pie for straight-up hearty comfort food.
Quick Fall Minestrone
Fall produce, with its powerful flavor and heartiness, is a frequent presence in comfort-food recipes. Butternut squash, potatoes, kale, and carrot make this soup soul-warming, and pasta and white beans give it traditional Italian flavor.


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Adobe Camera Raw software or plug-in for Adobe Photoshop cs6 words and other editing photos , Adobe released. Adobe Camera Raw for processing images in RAW format is used. This format professional digital cameras, professional production and contains information that the user of the Mac it gives a different image after shooting to edit information and to improve the quality of their photography and space.
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text:
Dawn undercover [electronic resource]. Anna Dale.
Electronic resources
Record details
- ISBN: 9781599909981 (electronic bk)
- Physical Description: 1 online resource
- Date Published: 2013.
Content descriptions
|Summary, etc.:
| Silliness trumps all in this giddy novel . . . Amid the madcap spy antics is the story of a once invisible girl who happily loses her knack for going unnoticed.—Kirkus Reviews"A good choice for precocious readers who want a book without mature themes." —School Library Journal
|Target Audience Note:
| MG/Middle grades (4th-8th)
6.3 ATOS Level
|Reproduction Note:
| Electronic reproduction. New York : Bloomsbury USA Childrens, 2013. Requires OverDrive Read (file size: N/A KB) or Adobe Digital Editions (file size: 2210 KB) or Amazon Kindle (file size: N/A KB).
Search for related items by subject
Juvenile Fiction.
Electronic books.


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Advanced law degrees in China are becoming increasingly sought after as China's prominence, power, and global connections continue to grow. Being immersed in Chinese culture, lifestyle, and society can foster intellectual and cultural growth and can help students develop into well-rounded legal professionals. In addition, students pursuing an LLM in China can enjoy the beauty of this fascinating country and there will never be a dull day with all of the exciting things to see, do and explore.
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Quick Look
Property brokered by
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Presented By:
Stacie Lynch
(888) 735-3996
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Property DetailsWhere to begin with this timeless beauty! Modern & classic charm show throughout. Each room features millwork such as crown molding, wainscoting or beaded ceilings. Galley style kitchen is inviting & convenient with gas cooking, generous cabinets & plenty of cabinet space & leads to double sized backyard with enough room for gardening & entertaining. Beautiful hardwood flooring on both levels with main level recently refinished. Built-ins throughout the home add both character & storage. Excellent location for this stylish home tucked away on tree lined street adjacent to Wawaset Park with easy access to the city life of Trolley Square, Union Street & 95 North & South. Recent upgrades: hot water heater (2013), a/c unit (2014), new washer (2015). Seller is providing 1 year home warranty with added HVAC. Home is move in condition, easy to show & ready NOW!
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Additional Property InformationThis single family listing located at 720 Woodlawn Ave, Wilmington, DE offers three bedrooms and one bathroom. The property is presently selling for $182,900.
This property is listed by Stacie Lynch of Patterson-Schwartz Real Estate located in Delaware.


text:
3220 Rockland Road, Muskegon 49441
See more homes for sale in Muskegon, MI
This property has been Sold!
04/01/2016 at $138,900
Beautiful 3 bedroom 2 bath home in Roosevelt Park. Fully fenced in yard with underground sprinkling and a 20x24 deck, and a newer roof. Recently remodeled kitchen with open floor plan, finished with Hickory cabinets and Corian counter tops. This is a home you don't want to miss.
Property Information
- Status
- Sold
- Address
- 3220 Rockland Road
- City
- Muskegon
- Zip
- 49441
- County
- Muskegon
- Possession
- 7 Dac
- Siding
- Brick, Vinyl
- Above Grade SqFt
- 1,344
- Garage Desc.
- 2, Attached
- Water
- Public
- Sewer
- Public
- Year Built
- 1980
- Taxes
- $2,401
Rooms and Land
- MasterBedroom:
- 12x11 2nd Floor
- Bedroom2:
- 11x10 2nd Floor
- Bedroom3:
- 9x9 2nd Floor
- Kitchen:
- 12x10 Main Floor
- Living:
- 14x10 Main Floor
- Dining:
- 10x7 Main Floor
- Laundry:
- 9x8
- Basement
- Daylight, Full Basement
- Cooling
- Central
- Heating
- Forced Air
- Acreage
- 0.17
- Lot Dimensions
- 69 x 113
- Appliances
- Dishwasher, Microwave
- Exterior Materials
- Brick, Vinyl
- Exterior Features
- Deck(s), Fenced Back
Listing Video for 3220 Rockland Road, Muskegon MI 49441
Mortgage Calculator
Listing Broker
Listing Courtesy of Five Star Real Estate
Office Address 3597 Henry Street Suite 103
Listing Agent David Wayne Dusenberry
Listings last updated: . Some properties that appear for sale on this web site may subsequently have been sold and may no longer be available.
Our Michigan real estate agents can answer all of your questions about 3220 Rockland Road, Muskegon MI 49441. Real Estate One, Max Broock Realtors, and J&J Realtors are part of the Real Estate One Family of Companies and dominate the Muskegon, Michigan real estate market. To sell or buy a home in Muskegon, Michigan, contact our real estate agents as we know the Muskegon, Michigan real estate market better than anyone with over 100 years of experience in Muskegon, Michigan real estate for sale.
The data relating to real estate for sale on this web site appears in part from the IDX programs of our Multiple Listing Services. Real Estate listings held by brokerage firms other than Real Estate One includes the name and address of the listing broker where available.
IDX information is provided exclusively for consumers personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.
All information deemed materially reliable but not guaranteed. Interested parties are encouraged to verify all information. Copyright© 2016 MichRIC LLC, All rights reserved.


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text: × Please take a short survey to help us improve our data-related literature resources. Search Results Studies Variables Publications (2) Your query returned 2 citations. Sort by: Pub Date (newest) Title Recent Additions Author Clear All Pub. Year Citation 1. 1992 Tien, Allen Y., Costa, Paul T., Eaton, William W. Covariance of personality, neurocognition, and schizophrenia spectrum traits in the community. Schizophrenia Research. 7, (2), 149-158. Full Text Options: DOI Worldcat Google Scholar Export Options: RIS EndNote XML 2. 1990 Tien, Allen Y., Anthony, James C. Epidemiological analysis of alcohol and drug use as risk factors for psychotic experiences. Journal of Nervous and Mental Disease. 178, (8), 473-480. Full Text Options: Worldcat Google Scholar Export Options: RIS EndNote XML Results 1 - 2


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The Chicago-based technology company more than doubled its headcount and tripled its office space after securing its first round of outside funding in September.
The United States exported higher amounts of beef and pork in terms of volumes and value in October compared to a year prior, but lamb exports were on the decline.
The group sent a letter to the President-elect, praising his recognition of the need for infrastructure investment and making suggestions on how to improve the economic competitiveness of the nation's multimodal freight network.
Registration takes less than 1 minute.
Bulk shipping company Korea Line Corp. has been picked over Hyundai Merchant Marine to acquire Hanjin's operations between Asia and the United States.


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Newton St. Faith, Norwich, Norfolk
Abbotts are delighted to offer this beautiful four bedroom detached bungalow in the village of newton st.faiths. a gorgeous kitchen overlooking the garden ,two ensuite bedrooms and…
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00 Meriden Rd. (rte. 120) Plainfield, NH 03781
Listed by William Johnson of Star Johnson, Realtor
Call Four Seasons Sotheby's International Realty Real Estate for more information.
Year Built: 1967
Square Feet: 0
Units: 0
Property Description
Small mobile home park close to downtown Lebanon, in Plainfield school district. Park has had 9 pads for homes in the past, but 4 are currently unoccupied; the Town of Plainfield recognizes 9 pads, but would need assurance septic systems work satisfactorily before issuing occupancy permits for currently vacant pads--there is incomplete information regarding the septic systems. Seller is in the process of obtaining a state-approved septic design for these 4 pads, which we believe would satisfy the Town's concerns. (NH DES indicates that the property was originally approved for 7 lots in 1970). With some attention, this could be a good opportunity for a hands-on investor. Well house is relatively new, built in 2011.
- Property Type: Commercial Sale
- Type: Investment, Other
- Type Use: Other
- Acreage:
- Zoning: RR
- Road Frontage: 325
- Signage:
- Lot:
- Lot SqFt: 0
- Roads:
- State: NH
- Street: Meriden Rd. (rte. 120)
- Building Number:
- Zip Code: 03781
- County: NH-Sullivan
- Town: Plainfield
- Building SqFt: 0
- Available SqFt: 0
- Total SqFt: 0
- Foundation:
- Construction:
- Year Built: 1967
- Units: 0
- Heating:
- Cooling:
- Services: Cable - Available
- Roof:
- Exterior: Other
- Parking:
- Accessibility Features:
- Commercial Features:
- Taxes: $5,265
The New England Real Estate Network provides Multiple Listing Services (MLS) in the States of New Hampshire, Vermont, Massachusetts and Maine.
Copyright© 2016 The New England Real Estate Network. All rights reserved. This information is deemed reliable but not guaranteed. The data relating to real estate displayed on this Site comes in part from the IDX Program of NEREN. The information being provided is for consumers personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data last updated on 12/10/2016.


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Hotels in St. Martin-d'Uriage
Hotel reservation
St. Martin-d'Uriage
Hotel rooms in St. Martin-d'Uriage
There are not so many hotel rooms in St. Martin-d'Uriage, just 2, still everyone can find an offer to suit his choice. The most common offers in this city are 3 и 4 stars, they count 1 out of 2, and their prevalent location is central district. According to our practice, it is the most profitable to book a hotel in the north of St. Martin-d'Uriage, as it is the location of the hotels with optimal cost and quality offers along with the cheap hotels. Taking into account the small size of the city, there is no need to dwell hotel reservation on the location: the road to the city center would take less then half an hour, so one can book a hotel in any district of St. Martin-d'Uriage. The most populated with hotels district of St. Martin-d'Uriage is the south, 50% of cheap hotel rooms are concentrated here. St. Martin-d'Uriage is an ideal place for couple and solo, such travellers rate hotels there 8.7 out of 10 on average. The most appreciated amenities in St. Martin-d'Uriage hotels are food and room. According to the visitors reviews, hotels in St. Martin-d'Uriage has great pool, rather comfortable and delicious food. Take a look at our selection of the cheap hotel rooms in St. Martin-d'Uriage to make a well-informed choice for your reservation!
St. Martin-d'Uriage cheap hotels
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St. Martin-d'Uriage
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Best hotels in St. Martin-d'Uriage
Hotels in St. Martin-d'Uriage are spread around the city within the distance of 1.7 kilometers. The most popular accommodations in St. Martin-d'Uriage is
Camping du Buisson
located in a 1.6 kilometers from the city center.
The best hotels are here and now. Try them!
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J-Bay Boogie
South African National Skydiving Championships in FS, AE, CF, S&A and WS
PASA is a non-profit association of members with the mission statement: "To foster, develop and
facilitate sport parachuting, in all its facets, within South Africa, in the safest and most
progressive manner, on behalf of its members."
For many people the words parachuting and skydiving conjure up images of adrenalin junkies and
daredevils with little regard for their own safety. One of the questions most frequently asked of
sport parachutists is, "who in their right mind would want to willingly throw themselves out of a
perfectly serviceable aircraft?"
In truth, sport parachuting is a disciplined sport that operates within rigidly defined and
enforced safety parameters as set out in PASA's Manual of Procedures. This Manual has been ratified
by the South African Civil Aviation Authority (SACAA) and is the basis upon which PASA has been
approved as an Aviation Recreation Organisation. The safety and training standards contained in the
manual are on a par or better than international standards and must be adhered to by all affiliated
drop zones and members in South Africa.
PASA proudly congratulates Colin Rothman on receiving Special Acknowledgement at the 2016 Aero Club of South Africa Awards dinner, for his fantastic skydiving achievements over the years. What a sportsman!
Colin started jumping in 1992 and won his first medal 2 years later. In 1996 he began medalling in the 4-way Formation Skydiving Open category, still the most hotly contested event in skydiving worldwide. 5 years after his first skydive, Colin began what became his 13 year winning streak, taking the gold medal in 4-way Formation Skydiving every year for over a decade. In addition to this, he pursued 8-way "on the side", taking 5 gold medals in that event.
Colin has represented South Africa on the world stage in 4-way and in 8-way Formation Skydiving at eight World Championships, one World Cup, one Indoor World Championship and one Indoor World Cup. No other skydiver in South Africa has dominated competitive Formation Skydiving quite like Colin.
Colin has held a Sport Skydivers Association Formation Skydiving coach rating since its inception in 2005 and currently serves as a PASA Non-Executive Director.
He continues to coach and develop skydivers of all experience levels, through the PASA skills development programme and beyond, in and out of competition, and is a true sporting role model of humility, enthusiasm and determination.
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McKinsey predicts profits drop for asset managers
European asset management companies could make "dramatically lower" profits this year, as a result of a trend of rising costs and lower new business wins, management consultant McKinsey has warned.
European asset management companies' costs climbed at a faster pace than assets in 2006, the latest year for which data is available, eradicating the cost improvements of the previous year.
At the same time fund managers in Europe are experiencing lower net fund flow growth, at 4% over the previous year, which was the lowest rate of increase since 2002.
McKinsey warned that if the developed world moves into recession, asset managers' profits could fall by as much as 30% this year.
McKinsey said: "Given the industry's inflexible cost structures, its heavy dependence on capital market performance and early signs that investors may switch to cash or other low-risk alternatives, its 2008 profits could be dramatically lower."
It has warned that considering two-thirds of all asset growth in 2006 stemmed from bullish market performance, asset managers should think carefully about how they can best protect their core business while instilling enough flexibility to scale their operations down or up as the economy ebbs and flows.
In Europe, overall costs are rising faster than assets, which McKinsey notes is of particular concern in the current uncertain times. Cost margins, at nearly 19 basis points in 2006, were more than 10% higher than in 2000.
Total asset growth, which includes market appreciation and new fund flows, was faster for institutional business, which rose 14% in 2006 compared to the previous year, versus an 8% increase in retail funds.
McKinsey conducted interviews with 118 companies in Europe with combined assets of €6.5 trillion ($9.5 trillion).


text:
Read Right Canned Air Power DusterAir Dusters
10 oz Size - 1 Each - View Complete Details
Product Number: REARR3530
In Stock - Hurry, only 265 left.
Estimated Delivery - 1 business day(s) - Tue 12/6 2 business days - Tue 12/6
Shipping - This item is eligible for Free Shipping on orders over $45
Note: Must buy in quantities of 12 starting at 12.
Estimated Delivery 17 business day(s) - Wed 12/28 - The products will be shipped directly from the Manufacturer and will require additional time for delivery. 17 business days - Wed 12/28 - The products will be shipped directly from the Manufacturer and will require additional time for delivery.
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This product was manufactured in the United States.
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Read Right Canned Air Power Duster - Extra-strength gas duster delivers powerful blasts of air that outperform regular dusters. Ideal for extra-dirty jobs. 100 percent ozone-safe formula removes dust, lint and other surface contaminants from computer equipment. Duster includes an extension wand for cleaning hard-to-reach places.
- 75% stronger than regular dusters.
- Includes an extension wand for those hard to reach areas.
- Gently removes dust and lint contaminants.
- Contains bitterant.
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For their premium price, I was expecting more. Comparing them to other compressed air, they do not seem 75% stronger as they claim. You can tell a slight difference, but not much - not enough to justify the extra cost.
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Nonflammable compressed gas air duster is specially developed for use in environments where flammability is a concern. Suitable for scientific labs, workstations, repair benches, and household use. Duster provides the same moisture-free cleaning power as standard Dust-Off products but without ...
Provides potent dust-removing power for practically any task. Ideal for cleaning technology like keyboards, laptops and CPUs. Also great for cleaning items in the home such as collectibles, window blinds, lamp shades, craft projects and sewing machines. Includes extension tube ...
A very successful product for preventing dust from damaging sensitive electronic components. Contains no ozone-depleting CFCs, HCFCs, propane or butane. When used regularly, helps promote longer-lasting components. A blast of compressed air offers an effective, efficient cleaning method for hard-to-reach ...


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German speaking customer service
|Recruiter Name
|Zebra Technologies
|Job Title
|German speaking customer service
|Job Type
|Permanent Contract, Full-Time Position
|Brno, Czech Republic
|Start Date
|One Month
|Date Posted
|8 months ago
|Expiry Date
Job Description
Job Description:
The general responsibilities of the German speaking customer service agent in our Czech Republic office is to handle customer requests for repair via phone, email and fax, and to manage any problematic cases until they are resolved. This includes but is not limited to repair order (RMA) processing, customer service and customer exclusions.
Maintain an up to date on-line record of any and all issues and provide a single point of contact and escalation for all problems, if necessary, communicate the problems further to other specialists within different departments, or management.
• Provide support related to the operation and escalation of all customer service related activity in a responsible and professional manner.
• Responsible for inputting all communications (i.e. fax, e-mail, and voice messages) into the call management system.
• Evaluate calls received into the Customer Service group, determine customer needs and handle or escalate accordingly.
• Reconcile any faxes, e-mails, etc. received from Customers on a daily basis.
• Create price quotes and replacement unit processing for Customer when applicable.
• Verify changes (e.g. address, email) for Customers place records in the call tracking system and take appropriate action.
•Advanced German & English in all Oral, written, and listening skills
• Good with IT and computer systems, in particular Microsoft Office
• Good level of organizational skills
• Good team player.
• Detail oriented personality
If this German speaking customer service job sounds like the job for you, and you've always wanted to see what is was like to live in the Czech Republic, then stop staring and click ''Apply'' today.
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EarthWay Hand Crank Broadcast Spreader, 25 Lb. Capacity
Ideal for hard to reach places, this handheld spreader allows you to spread materials where conditions may be too wet, hilly, or too small to accommodate other spreaders. Built with a heavy duty gearbox and a rustproof poly hopper, this broadcast lawn spreader is tough and designed for long lasting quality.
Carry this handheld spreader to distribute material in hard to reach places. The poly hopper is rustproof with a 25 lb. capacity and includes a heavy duty rain cover to protect against spills or moisture. Designed with the EV-N-SPRED® 3-hole drop system, the spring to close rate control distributes a balanced spread with widths up to 15 feet.Keep your lawn and garden in top condition, or use this hand held salt spreader when the weather calls for ice or snow. The hand crank can be used on either side and the carrying straps are wide for comfort. A built in poly stand is integrated into the rustproof chassis for storage or stability when taking a break. Specifications
- EarthWay Broadcast Spreader
- Handheld design, Model 3200
- Hopper capacity: 25 lb.
- Hopper construction: Rustproof poly
- Heavy duty rain cover
- EV-N-Spread® System
- Chassis: Epoxy coated
- High speed gearbox
- Comfortable, wide carrying straps
- Made in the USA
Brand: Earthway
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Your satisfaction is our priority. If for any reason you are not satisfied with a purchase from Agri Supply, we will gladly refund your money, or exchange the item, or fix it should it break. A minimum one-year warranty applies to all non-perishable items, parts and service from Agri Supply, and all hand tools sold by Agri Supply have a lifetime warranty, regardless of the length of the manufacturer's warranty. See our Agri Supply Guarantee for more details.
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"Daifuku" is basically just mochi (rice balls) with something sweet inside. You can eat it any time of year, although around my house it's especially popular during the Christmas and New Year holidays. There's a reason for that: Loosely translated, "daifuku" means, "Great Luck," something that people everywhere are surely craving at the start of the new year. Sound appealing? Trust me, it's more than that–it's, ah, to "dai" for! Uggh, I know. Forgive me. Anyway, let's take a look at some of the snack's possible mouth-watering variations.xxHxx on Flickr
Daifuku (bean-paste variety)jetalone on Flickr
jetalone on Flickr
Your basic model o' daifuku is made with anko beans, either left whole inside the mochi or crushed into a sweet paste. Anko is pretty much a staple of old-fashioned Japanese sweets, and you'll see people think nothing of putting it into their ice-cream, mashing it into liquid for soup, etc. I know, that was totally weird for me at first, too. If the words "sweet bean paste" don't exactly catch your fancy, don't feel bad—it took me a long time to get used to them! But pretty soon it became one of my all-time favorite confections. If you just can't get your tastebuds around it, there are plenty of other varieties to choose from.
Ichigo DaifukuPhoto by ninacoco on Flickr
Photo by klm on Flickr
Ichigo (strawberry) daifuku is especially popular with the ladies, but I must confess that I'm a convert. Not only does the strawberry in the center melt in your mouth, but the mochi itself seems fruitier—more strawberries, or just flavoring, maybe? Either way, they seem to…um…sell like hotcakes. Ouch, did I do it again? Somebody stop me! 😉
Macha DaifukuUsodeshita on Flickr
Macha (green tea) is now in everything from latte to pretzel snacks and has even become an ice-cream flavor. No bones about it, I don't really get the huge macha craze that's been sweeping through Japan ever since I got here. Sure, I like to drink green tea as much as the next guy, but do we have to put it into everything? Apparently so. Listen, don't take my ringing endorsement to heart—try macha daifuku, you might even enjoy it. You'll forgive me for saying that it's not my cup of, well, you know. 😉
Daifuku Ice Creammaebmij on Flickr
Can't stand macha ice-cream, but this is one ice-cream headache that I'm willing to put up with! Yukimidaifuku ("snowy daifuku?" I couldn't tell you if this is the brand name or the official catch-all name) basically comes with either vanilla or chocolate ice-cream, and the extra-thin mochi surrounding it is best eaten cold. And they came with little wooden pics so you can eat them without getting your hands dirty. Every time I eat one of these little guys, I ask myself why it hasn't caught on in America—and then I wonder if I'm in the wrong line of work. It's that good, folks!
There's sooooo Much More Where that Came From!
xxHxx on Flickr
That's right, folks, I've just touched the surface of daifuku possibility. There are cream-filled ones, sugar-dusted ones, lemony ones, and even Oreo-style ones! But putting taste aside, daifuku isn't just about mochi balls—it can be found in all shapes and sizes that vary not only depending on the people making them, but probably even by prefecture, etc. I recommend try one (or two, or three) as soon as possible—daifuku not only taste terrific, but you never know the great luck it might bring you.


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Two Harbors Investment Corp. (NYSE:TWO) is the highest-yielding stock in the more aggressive "pushing-the-envelope" version of the StockScreen123 Prudent Yield Hog model I wrote about on March 3.
Brace yourself. With a 14.2% yield in this day and age, you have to expect something way out of the ordinary. I'll tell you up front, not every prudent-yield-hog situation is going to look like this one, but I figure you'd like to get the lowdown on a 14.2% yield sooner rather than later. So here goes:
This is a new firm, launched in 2009. It invests in mortgage-related securities, and management plans to make sure its investments and dividend policy conform to REIT requirements.
- Mortgage-related securities constitute the highest-risk REIT sub-segment, the one at the epicenter of the global financial crisis. So this line of business is about as comforting as driving a gasoline tank truck through a forest fire and should, in and of itself, push the yield up toward the top of any yield-hog universe. But in this case, there's more . . .
- The firm is very new, having only a one-year track record as a publicly-traded entity.
- The firm came public via the reverse takeover method that has become so famous, or infamous if you prefer, as a result of many Chinese businesses that chose this way to get access to the U.S. equity market. (Speaking for myself, I'm not down on the process, but many others are and given the dynamics of supply and demand, the trading choices of the majority are going to make themselves felt in stock price levels, and in cases like this, yield.)
That was quick. We see can easily see what the risks are, why Mr. Market is giving about ten percentage points worth of yield above and beyond what we generally see today among REITs, and even a few points above what we typically see for higher-risk mortgage REITs.
Actually, did you notice above, how many extra words I used to refer to this entity as a REIT? There was a reason for that. Legalistically, this is, in fact, a REIT. But for all practical purposes, you can think of it as a hedge fund that emphasizes relative value in the distressed mortgage-securities sector.
I don't use the phrase "hedge fund" lightly. The key executives, here, including the two co-Chief Investment Officers, come from a hedge fund firm known as Pine River, which had more than $3.4 billion under management as of late 2010, and a specialty in mortgage securities. The Two Harbors loan portfolio is managed by a Pine Rivers subsidiary set up for that purpose. So a stake in this REIT can be seen as the functional equivalent of an investment in a hedge fund (without the hedge-fund fee structure).
The investment personnel here are Wall Street veterans who have been investors and traders in fixed income in general and mortgage-backed securities in particular. It's easy for armchair gurus to preach against a bunch of guys who seem to have had their hands on or near the controls as the market careened downward. But if we're going to pursue yield, we'll need to check our judgmental tendencies at the door. The hard-boiled view, the one we'll need to adopt, recognizes that booms and busts happen all the time in all kinds of markets and that when busts occur, it can be a heck of a lot more profitable to grab opportunities rather than to point fingers.
In pursuing opportunities, TWO takes a holistic view of the mortgage-backed market. It goes wherever is believes the values are, whether in agency securities or non-agency, fixed rate or adjustable, derivatives, etc. It uses a disciplined asset-selection approach in an effort to balance interest-rate risk, credit risk, and prepayment tendencies.
Data released by TWO in the 2010 fourth quarter shows the following:
- The Leverage ratio (defined by TWO as borrowings to fund purchases of residential mortgage-backed securities divided by equity) was 3.3 as of 9/30/10, versus a peer average of 5.6 (TWO's leverage dropped to 2.5 by December 31st)
- ·For every 1,000 basis point change in interest rates, TWO estimates its 9/30/10 equity value would rise or fall by 4.5%, (2.1% by December 31st) versus a 13.9% peer average, thus indicating considerably lower interest-rate exposure
- At 9/30/10, TWO estimates the prepayment rate of the mortgages upon which its portfolio is based at 9.7% (8.0% by December 31st), versus a peer average of 21.9%
The yield on TWO's actual portfolio was 5.8% in the fourth quarter of 2010 (3.8% from agency securities and 11.4% from non-agency securities). Obviously, that's not going to all be passed on to REIT shareholders penny for penny; there are REIT expenses. But it should give you some idea more or less of what TWO's yield could look like if not for the risk-premium that pushes its stock down.
In its first year of operation, TWO has shown itself to let the dividend reflect available funds: the payouts for 2010 were $0.36 for the first quarter, $0.33 for the second, $0.39 for the third, and $0.40 for the fourth. If we assume the $0.40 quarterly payout persists in 2011, this would suggest a yield of 14.2% on the stock.
That's not a crazy assumption. Remember, the yield on TWO's actual portfolio is 5.8%, a number that is not outrageously eye-catching. As noted, the huge yield on TWO stock comes mainly from the fact that investors haven't, to date, been willing to pay up for the dividend stream, even relative to what we see with depressed prices for other mortgage REITs.
I just want to make one more observation about the impact of the short history on the rank used in the Prudent Yield Hog model. It has a growth component. Some factors are distorted upward by super-high growth rates as revenues etc. go from near-zero to a normal level. More items are distorted lower as the short history causes TWO's rank to be punished by NA (Not Available) scores for other growth factors. Note, though, that, if I were to completely eliminate the growth part of the model, TWO would still rank in the mid-80s, way above the 40 threshold needed to pass muster.
This is something of an idiosyncratic investment idea, but shareholders are well compensated in the form of a very high yield (a yield high enough to accommodate some payments below $0.40 in the year ahead) for taking an edgy position that's one of 15 in a model that gets refreshed every three months.
The Prudent Yield Hog model, created on StockScreen123 and introduced in a 3/1/11 Seeking Alpha article, is based on the notion that income-seekers can achieve satisfactory returns by reaching for the highest possible yields if they work with a list that has been pre-qualified to eliminate companies that bear the greatest risk of dividend cut or elimination.
It uses a screen that contains the following rules:
- Basic Universe Definitions
o Eliminate OTC stocks, stocks trading below $5, stocks with market capitalization below $250 million, ADRs and companies classified as Miscellaneous Financial Services (most of which are closed-end mutual funds)
o Daily volume over the past 60 days must have averaged at least 50,000 shares
- Yield must be equal to or greater than 2/3 of the rate on the 10-year Treasury
- Yield may not exceed 5 times the rate on the 10-year Treasury
- For this pushing-the-envelope version of the model, the stock must rate 40 or better on a scale of zero to 100 under a ranking system designed to evaluate high-yielding income stocks; under the default version, it would have to rate at least 60
Here's a summary of the ranking system referred to in the last screening rule:
- Growth Profile (one third of the score)
o Dividend growth (60% of sub-category)
o EPS growth (30%)
o Sales growth (10%)
- Dividend Security (one third of the score)
o Trailing 12 month dividend payout ratio (lower is better) sorted relative to industry peers
- Investor Sentiment (one third of the score)
o Price signals (30% of sub-category)
o Technical Signals (30%)
o Investor Comfort (40%)
For further details, click here.
From the list of passing companies (i.e., those that have been successfully pre-qualified), select the 15 highest-yielding stocks.
Figure A-1 (click to enlarge) shows backtested price performance of the strategy from 3/31/01 – 2/28/11 assuming the model is re-run and the list refreshed every three months.
Figure A-1
That's price performance only. The model faltered during the financial crisis of 2008, as did most other strategies. But the overall start-to-finish capital gain was 106.7%; or 7.6% annualized, which would be added to the yield, which was often in the neighborhood of 9%.
Disclosure: I have no positions in any stocks mentioned, but may initiate a long position in TWO over the next 72 hours.


text: David Sanborn - Time And The River (2015) • World Music International • Year : • On demand! (album available 128-320kbs)* 0 Label Facebook Twitter Google+ Pinterest Hide/Show Album Info Artist: David SanbornTitle Of Album: Time And The RiverYear Of Release: 2015Genre: Jazz: Smooth Jazz, VocalsLabel: Sony MasterworksFormat: MP3Quality: 320 kbps, 44.1 KhzTotal Time: 44:34Total Size: 104 MBTracklist:01. A La Verticale (5:20)02. Ordinary People (5:10)03. Drift (4:34)04. Can't Get Next To You (Feat. Larry Braggs) (4:30)05. Oublie Moi (4:43)06. Seven Days Seven Nights (5:46)07. Windmills Of Your Mind (Feat. Randy Crawford) (4:58)08. Spanish Joint (4:23)09. Overture From The Manchurian Candidate (2:24)10. Little Church (Bonus Track) (2:42)Time and the River, the new album from David Sanborn, is his first collaboration in the studio with producer and bass player Marcus Miller in over fifteen years. Through the years, the two have worked together on a number of records, winning five Grammy Awards ® and seven Gold Records. Time and The River is a modern groove oriented album, with funky beats and beautiful ballads where Sanborn can show the emotional side of his legendary saxophone skills. Along with Miller, the album features Roy Assaf on alto flute, Justin Mullens on trumpet, Tim Vaughn on trombone, Ricky Peterson on organ, Javier Diaz on percussion and Marcus Baylor on drums. Guest vocalists include R&B and jazz singer Randy Crawford on "The Windmills of Your Mind," and Tower of Power vocalist Larry Braggs on the funky "Can t Get Next to You."One of the most commercially successful saxophonists, David Sanborn has released 25 albums, won six Grammy Awards ® and has eight Gold and one Platinum album. He continues to be one of the most active musicians of his genre, with annual tour dates exceeding 150. He has worked with many diverse artists including Luther Vandross, Gil Evans, Stevie Wonder, David Bowie and Eric Clapton. David is an artist who pushes the limits and continues to make music that challenges the mind and goes straight to the heart. For requests/re-ups, please send me private message.Buy Premium From My Links To Get Resumable Support,Max Speed & Support MeDownload ( Uploaded )http://uploaded.net/file/koh0u72z/f21q1.David.Sanborn..Time.And.The.River.2015.rarDownload ( Rapidgator )http://rapidgator.net/file/fcd2a0727020dc687b12812d6d29c9f1/f21q1.David.Sanborn..Time.And.The.River.2015.rar.htmlDownload ( Uploadable )http://www.uploadable.ch/file/Uncy4GP85b2F/f21q1.David.Sanborn..Time.And.The.River.2015.rarDownload (Turbobit)http://turbobit.net/6o9p3rgwie06/f21q1.David.Sanborn..Time.And.The.River.2015.rar.html #tags River, David, Sanborn, Time, The album code is : ODI4390363 You may also like ... David Sanborn - Time and The River (2015) FLAC David ... David Sanborn - Another Hand (1991) David ... David Sanborn - Time Again (2003) David ... Eric Clapton, David Sanborn,Joe Sample,Steve Gadd,Marcus Miller-Aim For The Best "Gasteiz Jaz Festival" Eric ... David Sanborn - Hearsay (CD, Album) 1994 David ... David Sanborn - Love & Happiness (2006) David