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Tuesday, January 8, 2008
Haul and Updates
I had a pretty low key weekend. I'm just now getting the opportunity to write about it since it was crazy at work yesterday (ahem, my normal posting times, lol). I stayed in on Friday and Saturday and then Sunday my BF and I had the day all to ourselves :) We exchanged Christmas presents...went out for dinner, and then saw two movies for the price of one, if you know what I mean ;) We saw "I am Legend" and "National Treasure 2". Both very entertaining flicks, despite National Treasure's sprinkling of corny moments.
On Friday and Saturday I had the opportunity to do a lot of videos so that's what I've been posting these last couple of days. I also finally was able to clean ALL my false lashes. It took a while...picking off that eyelash glue then spraying them down with alcohol. I'm not sure if that's how you do that but it works for me :)
I also had time to go to MAC :) but don't worry yall, I only spent $42! Woohoo, new record for me. I went with the intention of returning my 12 depotted eyeshadows to get two Back to MAC eyeshadows in return. I also picked up a few other items including a new eyeshadow brush, woo hoo! Yesterday I also went to Michaels and finally got the items to make my Enkore/Sephora Brush holder. I cleaned up my makeup area and decided my brushes need a nice new home as well.
I've been meaning to do my New Years resolution post but as I mentioned...it's been crazy at work and i've been staying up really late when I get home. Sorry! I'm going to try and squeeze time in today. Meanwhile...new update, I finally got a traincase, woo hoo! Finally! My main requirements were that it had to be big enough to carry my eyeshadow palettes and other products and 2) it had to be on wheels! When I did makeup for NYE, I toted my supplies in a bag on my shoulder and I swear that i'm still walking funny because of it, lol. The traincase with wheels and pull up handle (like a luggage) will come in handy when I travel to do other people's makeup. That's mainly why I got it...and to save my back as well.
I've been checking out www.yazmo.com and really wanted one for about $120...but i've been trying to moderate my spending after trying to recover from my end of the year shopping sprees. Instead, I found one on ebay, woohoo! I paid today...it was only $39.99 but had $25 for shipping. Still, that's nearly half the price of the similar one the yazmo. Once I get this sucker I'll make a video along with my collection.
Back to the point of this entry, he he...I made a video on my recent trip to MAC and Michaels...hope you enjoy!
If anyone has any video requests, please send my way :)
4 comments:
- Fei said...
$39.99 is a heckuva lot cheaper than the MAC train case. Especially considering it's luggage sized! Thanks for the add, I've added you to my list as well. :) And about drugstore face washes... I go through that stuff so fast, if I were to use the expensive stuff I'd be a broke ass. lol. Besides, it works!
- January 9, 2008 at 11:17 AM
- Vanessa said...
I love Michaels!
- January 9, 2008 at 1:08 PM
- Stephanie said...
Hey love..Thanks for reading! =) I just finished watching your latest video. Your room is cute! Did you theme decorate it?? I also read some of your old posts..You and your boyfriend look so cute together. I thought it was funny seeing him in the background in your pics. Anyway, imma add you to my daily readings. =)
- January 9, 2008 at 11:48 PM
- MakeupByRenRen said...
Fei: yah I was sooo happy about the train case deal...gotta scrounge where you can...lol, yah expensive face wash is a wallet breaker alright
Vanessa: me too! did you get the 40% off coupon in the mail...even better!
Stephanie: thanks hon! Yah my room is kind Moroccan/Southeast Asian Themed...I always wanted one of those mosquito nets growing up, and finally got one, lol. I'll be reading yours daily as well :)
- January 10, 2008 at 12:41 PM


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A Rocket To The Moon played their final shows over the weekend in Boston. After the band walked off the stage, they signed the Fender acoustic guitar that Nick and Justin played at the two final shows, and they're giving it away this Friday - click HERE to enter for your chance to win it!
photo by Marissa Leigh

subset: commoncrawl


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Skip to comments.CBC recommends Sheila Jackson Lee for Homeland Security post
Posted on 07/30/2013 6:39:32 AM PDT by mandaladon
Just two weeks after Janet Napolitano announced her resignation as Secretary of Homeland Security, the Congressional Black Caucus has suggested Rep. Sheila Jackson Lee of Houston fill her spot.
A letter dated July 25 and signed by Rep. Marcia Fudge, Ohio Democrat and caucus chairwoman, urges President Obama to consider Miss Jackson Lee for the position, calling the Democrat a voice of reason that the agency could stand to gain, the Houston Chronicle reported. Representative Jackson Lee would serve as an effective DHS Secretary because she understands the importance of increasing border security and maintaining homeland security, the letter reads. Mrs. Jackson Lee currently serves as a ranking member of the Homeland Security Subcommittee on Border and Maritime Security, a position that the caucus said she stands as a strong and honest voice of reason.
(Excerpt) Read more at washingtontimes.com ...
I'll have two fried chickens and a coke and deliver them to
Homeland Security!
So how does a woman with 29 cents worth of brains rise to a high position in government?Affirmative action and the CBC.
It sure is a joke....a bad one
Barack Obama
Not the Canadian Broadcasting Corporation (which is still obsessed with enforcing their "two Gordon Lightfoot records per hour" minimum).
And how about Maxine Waters for Fed Chairman?
Well, you know that Obama will appoint another left wing nutcase with no qualifications or expertise for the job. Might as well be Lee.
Leave it to the CBC to select the most stupid person in Congress.
But this is Congressional Black Caucus.
The CBC should not be recognized by anyone.
She'll want Cynthia McKinney as her assistant, no doubt.
We already have too many anti-Americans in the government.
"...(which is still obsessed with enforcing their two Gordon Lightfoot records per hour minimum)."
Now there's an idea that makes me hope I get abducted by aliens.
Still funny as hell! That woman's dumber than a box of rocks!
Her picture makes my eyes bleed.
Obama will appoint her because he appoints those he thinks will do the most damage to the country. Matter of fact I will bet on it.
Not worth commenting on!!! The Obamabots, Inc. have dumbed down our great nation, big time!!! It's so much a laughing matter, you have to cry!!! Lunacy of the CBC!!!
YGTBSM! On the other hand, though ostensibly a Texan, at least she doesn't wear cowboy hats on the House floor. But who changes the pomade in her hair...better still HOW?
"....look at dat shiny tang"
Did we get the KKK's recommendation as well?
Did the Congressional Black Caucus make this offer just so Obama could point and laugh at the CBC? The CBC takes orders from Obama, not the other way around.
Somebody mentioned that making Rachel Jeantel the nominee would be a better choice. Far more brainpower, for one thing. And less radical thinking, with maybe a more graceful public aspect.
Is she still treating her Staff like personal Servants? There was a TV special years ago talking about her ignoring House rules and misusing her Staff.
Now that we have John Brennan as DCI, perhaps we should install Keith Ellison at Homeland Security.
And the ONLY potential successor to the last DHS Secretary...
a Leftist diesel-dyke...
is a foul-mouthed, bigoted ghetto queen.
It'll fly through committee and pass on the Senate with 96-0.
Make that 4 fried chickens, and have them delivered to her home address: MARS.
Skin color is not a job qualification. I'd have no problem with naming the best qualified candidate for that job, regardless of melanin levels, but that has as little to do with ability as eye color does. Only a racist would use that trivial detail as the primary determinant.
Sheila Jackson Lee: Who you calling ugly, sucker?
Fred Sanford: I'm calling you ugly, I could push your face in some dough and make gorilla cookies.
If anyone can sniff out Tea Party plots, it's Sheena!
Wow! Looking at that picture of her front and back is a great way to lose weight. I have completely lost my appetite.
Okay, second most stupid.
First, it gets an idiot out of Congress, and Houston another chance to elect someone who actually has two brain cells to rub together.
But the real kicker is this--She's so much of an idiot that DHS would flounder and become totally ineffective with her "leading" it. We could actually gain some freedoms back.
The other side of that coin is that DHS would try to become a totalitarian police force out to destroy not only her personal enemies, but anyone she may see as a threat--which would be everyone.
So--it's a coin flip.
The CBC is a racist organization and is worse than the KKK because it oppresses the very people it claims to support.
The link I posted was from 2011, and I really doubt Sheila has mellowed since then!
Homeland Security is joke. Let's expose Homeland Security, Ms. Lee and CBC all in one stroke.
I think I am living in a nightmare with this administration. Every freaking day. At this point, I cannot see how there are not demonic forces involved in this government. And that includes Congress, Republicans included.
If Buckwheat had a daughter......
Well said, Let her be the Face of Obama, she will put her foot in her mouth so much there will be no doubt about the incompetency of this administration.
Obama wants her close.Keeps the flies off him.
Why not consider "Symphia" McKinney too?
Disclaimer: Opinions posted on Free Republic are those of the individual posters and do not necessarily represent the opinion of Free Republic or its management. All materials posted herein are protected by copyright law and the exemption for fair use of copyrighted works.


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The Power Push Up comes in a 40 lb or 60 lb resistance kit. Select from the menu above.We have also made extra 9" cables available in different resistances. Cables are priced per set of six. Price listed is for six 9" cables. You can select extra cables from the menu above.
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Here's how RW members rated this race in the past (20 votes).
In short: Excellent race, marshalls made all the difference-Thank you!Date of review: March 16, 2012
In short: Really enjoyable - thanks to Zoom TriIn full: It was really enjoyable. Without exception the marshals were friendly and encouraging. There was an apparently endless supply of water, energy drinks and jelly babies. And whoever organised the gorgeous weather needs a special thanks.Date of review: March 15, 2012
In short: A great run! It was well organised and a good build up event to the marathon. Marshalls were friendly and supportive the whole way round. Date of review: March 15, 2012
In short: A Glorious dayIn full: Prodominately quiet roads, great support all the way round. Probably tougher on a windy day thankfully it was not. Marshals were organised and very encouraging. The best 20 mile race i have done. I has had my time on a receipt seconds after i crossed the line. Nice touch. Ticks all the boxes. Well done guys. Race definately bagged for a return visit some day. 10 or 20 distance. Date of review: March 14, 2012
In short: a very flat race, great for p.b times, very organised, and a great goody bag at the end. Date of review: March 13, 2012
In short: Good run with even better marshalls!In full: An unseasonably warm day meant my first ever 20 mile race felt like very hard work by the end. However, the vocal and cheerful encouragement of some of the best race marshalls I have ever experienced really helped.The race is mostly along quiet country roads with only one busy road requiring single file running. There seemed to be a very friendly feel amongst both competitors and those running the race. Reasonably flat although I am sure they somehow increase the inclines for the second lap :-)Good technical t-shirt makes the race good value for money too!Date of review: March 12, 2012
In short: Fantastic race, definitely made by the incredibly supportive marshallsIn full: This is a great race and I would thoroughly recommend it to everyone. Yesterday was unseasonably hot but there was still plent of (ice cold!) water, even right at the back of the field. Energy drinks AND jelly babies also available.I tend to be at the back of any race and can often find that the marshalls are a bit bored by the time I get there but not at this race. I think that my finish time was almost definitely improved by the support and encouragement they gave out even when they'd been stood out there for several hours. Thank you!My only minor gripe would be that the changing tents could do with something on the floor. Wet socks before the start of a race is not a good plan. ooh, nearly forgot to say that the nice technical t-shirt was a bonus too!Date of review: March 12, 2012
In short: Good event, well organised few minor issues thoughIn full: Hot hot hot, can't believe I was sun burt in March.Its a good race, well orgainsed. However benches in the changing tent would be helpful.Also supervised bag store is needed, asking people to return to their cars to put bags in isn't on. The race doesn't have to accept resposiblity for it, but every other race seems to cope ok.Apart from that little winge it was a good day and race.Date of review: March 11, 2012
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Object Query Language Help
By Poonam-Oracle on Apr 06, 2012
We can use a query language called Object Query Language with JHat and Serviceability Agent to query information from Java Heap. Help on this language is available with the JHat tool. I have put this handy help document on OQL here for quick reference.


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0 Members and 1 Guest are viewing this topic.
I agree, those look killer. Can you tellusmore about the dough? Would you consider that a Midwestern thin crust?
Wes,You are a true artist, with pizzas that look like paintings. Very nice indeed.Peter
That meatball pizza is gorgeous! I have not heard of a dough sheeter before. I take it the appliance in the background in the first picture is the sheeter? Is it used for a particular style of pizza?
Yes. This one is a Doyon single pass, 17" wide. Single pass basically means you have to change the thickness setting and re-sheet your dough to keep making it thinner. Do a YouTube search for "dough sheeter" and you'll see a bunch of different types in action.
What is the list on that one of yours Wes...thanks!Bobhttp://www.pizzamaking.com/forum/index.php/topic,21737.0.html
I researched the snot out of these things trying to find a sheeter that would do the job without totally breaking the bank. I picked this over a double pass because I wanted to do rectangular sheets and it looked to me like round is what you get out of the DP. This one weighs 95 pounds so I can move it around without too much trouble (or Advil).
Thanks for the info Wes....you did good. I grew up on single pass...you can make it work jus fine...Bob
Bob, what do you have for a mixer?


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Color: Grey. 100% leather. Made in France.


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Journal of the Southern African Institute of Mining and Metallurgy
On-line version ISSN 2411-9717
Print version ISSN 0038-223X
J. S. Afr. Inst. Min. Metall. vol.113 n.9 Johannesburg Jan. 2013
The Southern African Institute of Mining and Metallurgy
Annual Financial Statements
for the year ended 30 June 2013
Statement of council members' responsibilities and approval
The council members are required to maintain adequate accounting records and are responsible for the content and integrity of the annual financial statements and related financial information included in this report. It is their responsibility to ensure that the annual financial statements fairly present the state of affairs of the Institute as at the end of the financial year and the results of its operations and cash flows for the period then ended, in conformity with the accounting policies appropriate to the Institute. The external auditor is engaged to express an independent opinion on the annual financial statements.
The annual financial statements are prepared in accordance with the accounting policies appropriate to the Institute and are based upon appropriate accounting policies consistently applied and supported by reasonable and prudent judgements and estimates.
The council members acknowledge that they are ultimately responsible for the system of internal financial control established by the Institute and place considerable importance on maintaining a strong control environment. To enable the council members to meet these responsibilities, the council set standards for internal control aimed at reducing the risk of error or loss in a cost-effective manner. The standards include the proper delegation of responsibilities within a clearly defined framework, effective accounting procedures, and adequate segregation of duties to ensure an acceptable level of risk. These controls are monitored throughout the Institute and all employees are required to maintain the highest ethical standards in ensuring the Institute's business is conducted in a manner that in all reasonable circumstances is above reproach. The focus of risk management in the Institute is on identifying, assessing, managing and monitoring all known forms of risk across the Institute. While operating risk cannot be fully eliminated, the Institute endeavours to minimize it by ensuring that appropriate infrastructure, controls, systems, and ethical behaviour are applied and managed within predetermined procedures and constraints.
The council members are of the opinion, based on the information and explanations given by management, that the system of internal control provides reasonable assurance that the financial records may be relied on for the preparation of the annual financial statements. However, any system of internal financial control can provide only reasonable, and not absolute, assurance against material misstatement or loss.
The external auditor is responsible for independently reviewing and reporting on the Institute's annual financial statements. The annual financial statements have been examined by the Institute's external auditor.
The annual financial statements which have been prepared on the going concern basis, were approved by the council and were signed on their behalf by:
Signed by: G.L. Smith 22 August 2013
President Date:
Signed by: J.L. Porter 22 August 2013
Treasurer Date:
Report of the independent auditor
To the members of The Southern African Institute of Mining and Metallurgy
I have audited the annual financial statements of The Southern African Institute of Mining and Metallurgy, which comprise the statement of financial position as at 30 June 2013, the statement of comprehensive income, statement of changes in reserves, and statement of cash flow for the year then ended, and a summary of significant accounting policies and other explanatory notes.
Council Members' responsibilty for the Annual Financial Statements
The Institute's council members are responsible for the preparation and fair presentation of these annual financial statements in accordance with the accounting policies appropriate to the Institute and for such internal control as the council members determine is necessary to enable the preparation of annual financial statements that are free from material misstatement, whether due to fraud or error.
Auditor's responsibility
My responsibility is to express an opinion on these annual financial statements based on my audit. I conducted my audit in accordance with International Standards on Auditing. These standards require that I comply with ethical requirements and plan and perform the audit to obtain reasonable assurance whether the annual financial statements are free from material misstatement.
An audit involves performing procedures to obtain audit evidence about the amounts and disclosures in the annual financial statements. The procedures selected depend on the auditor's judgement, including the assessment of the risk of material misstatement of the annual financial statements, whether due to fraud or error. In making those risk assessments, the auditor considers internal control relevant to the Institute's preparation and fair presentation of the annual financial statements in order to design audit procedures that are appropriate in the circumstances, but not for the purpose of expressing an opinion on the effectiveness of the Institute's internal control. An audit also includes evaluating the appropriateness of accounting policies used and the reasonableness of accounting estimates made by management, as well as evaluating the overall presentation of the annual financial statements.
I believe that the audit evidence obtained is sufficient and appropriate to provide a basis for my audit opinion.
In my opinion, the annual financial statements present fairly, in all material respects, the financial position of The Southern African Institute of Mining and Metallurgy as at 30 June 2013, and its financial performance and its cash flows for the year then ended in accordance with the accounting policies appropriate to the Institute.
Supplementary information
Without qualifying my opinion, I draw attention to the fact that supplementary information does not form part of the annual financial statements and is presented as additional information. I have not audited this information and accordingly do not express an opinion thereon.
AUDITOR: R.H. Kitching
Chartered Accountant (S.A.)
Registered Accountant and Auditor
Accounting policies
1. Presentation of annual financial statements
The annual financial statements have been prepared in accordance with accounting policies appropriate to the Institute. The annual financial statements have been prepared on the historical cost basis, except for the measurement of certain financial instruments at fair value, and incorporate the principal accounting policies set out below. They are presented in South African Rands.
These accounting policies are consistent with the previous year.
1.1 Significant judgements and sources of estimation uncertainty
In preparing the annual financal statements, management is required to make estimates and assumptions that affect the amounts represented in the annual financial statements and related disclosures. Use of available information and the application of judgement is inherent in the formation of estimates. Actual results in the future could differ from these estimates which may be material to the annual financial statements. Significant judgements include:
Provisions were raised and management determined an estimate based on the information available.
The inventories of publications are held and sold by the Institute for its own account and on behalf of its publishing partners who have underwritten some of the publications. The inventories are reflected in the financial statements at nominal value. The inventory of authors' gifts and stock held from conferences are carried at cost. Provision is made for impairment.
1.2 Property, plant and equipment
The cost of an item of Property, plant and equipment is recognized as an asset when:
- It is probable that future economic benefits associated with the item will flow to the organization; and
- The cost of the item can be measured reliably.
Maintenance and repairs which neither materially add to the value of assets nor appreciably prolong their useful lives are charged against income.
Property, plant, and equipment are carried at cost less accumulated depreciation and any impairment losses.
Depreciation is provided using the straight-line method to write off the depreciable amount of items, other than land, over their estimated useful lives, using a method that reflects the pattern in which the assets' future economic benefits are expected to be consumed by the Institute. Depreciation is provided on leasehold improvements over the remaining period of the lease.
Item Useful life
Furniture and fixtures 5 years
Office equipment 5 years
IT equipment 3 years
Gains and losses on disposals are determined by comparing the proceeds with the carrying amount and are recognized in surplus or deficit in the period.
The depreciation charge for each period is recognized in surplus or deficit. Medals, plaques, dies, and banners are recorded at nominal values.
Accounting policies
1.3 Impairment of assets
The Institute assesses at each reporting period date whether there is any indication that an asset may be impaired. If any such indication exists, the Institute estimates the recoverable amount of the asset.
If the recoverable amount of an asset is less than its carrying amount, the carrying amount of the asset is reduced to its recoverable amount. That reduction is an impairment loss.
An impairment loss of assets carried at cost less any accumulated depreciation or amortization is recognized immediately in surplus or deficit. Any impairment loss of a revalued asset is treated as a revaluation decrease.
1.4 Financial instruments
Initial recognition
The Institute classifies financial instruments, or their component parts, on initial recognition as a financial asset, a financial liability, or an equity instrument in accordance with the substance of the contractual arrangement.
Financial assets and financial liabilities are recognized on the Institute's balance sheet when the Institute becomes party to the contractual provisions of the instrument.
Financial assets and liabilities are recognized initially at cost; any transaction costs that are directly attributable to the acquisition or issue of the financial instrument are added to the cost.
Subsequent measurement
After initial measurement, financial assets are measured as follows:
- Loans and receivables and held-to-maturity investments are measured at amortized cost less any impairment losses recognized to reflect irrecoverable amounts.
Afters initial recognition financial instruments at fair value through surplus or deficit are subsequently measured at fair value, with gains and losses arising from changes in fair value being included in surplus or deficit for the period.
After initial recognition, financial liabilities are measured as follows:
Financial liabilities at fair value through surplus or deficit, including derivatives that are liabilities, are measured at fair value.
- Other financial liabilities are measured at amortized cost using the effective interest method.
Gains and losses
A gain or loss arising from a change in a financial asset or financial liability is recognized as follows:
- Where financial assets and financial liabilities are carried at amortized cost, a gain or loss is recognized in surplus or deficit through the amortization process and when the financial asset or financial liability is derecognized or impaired.
- A gain or loss on a financial asset or financial liability classified as fair value through surplus or deficit is recognized in surplus or deficit.
1.5 Inventories
Inventories are measured at the lower of cost and net realizable value.
The cost of inventories comprises all costs of purchase, costs of conversion, and other costs incurred in bringing the inventories to their present location and condition.
Net realizable value is the estimated selling price in the ordinary course of business less the estimated costs of completion and the estimated costs necessary to make the sale.
Accounting policies
1.6 Provisions and contingencies
Provisions are recognized when:
- The Institute has an obligation at the reporting period date as a result of a past event;
- It is probable that the Institute will be required to transfer economic benefits in settlement; and
- The amount of the obligation can be estimated reliably.
Provisions are not recognized for future operating losses. Provisions are measured at the present value of the amount expected to be required to settle the obligation. The increase in the provision due to the passage of time is recognized as interest expense.
1.7 Revenue
Revenue is recognized to the extent that it is probable that the economic benefits will flow to the Institute and the revenue can be reliably measured.
Interest is recognized, in profit or loss, using the effective interest rate method.
Donations are recognized as and when received.
Dividends are recognized, in profit or loss, when the Institute's right to receive payment is established.


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0 Members and 1 Guest are viewing this topic.
Just some general ideas I've read in old posts. I haven't heard too many lately though. -NP (styled) pizzas can't be made in the home oven.-00 ONLY works at high temps and a sub 2 minute bake.-caputo 00 flour is the best flour for making pizza. -VPN method is the only way for making true NP pies-spiral mixers and wfos are required to make great pizza. (I don't think I've heard anyone come out and say this but I get the feeling this is the general sentiment). -HG flour makes chewy productsIt's not that I completely disagree and I can definitely see where and how some ideas get propagated. I just don't completely agree either. My point was really more or less, that we can all learn from eachother even if we don't agree on everything. Chau
00 ONLY works at high temps and a sub 2 minute bake.
-HG flour makes chewy products
I just did a search to make sure I never said this, and I didn't (lucky!). I do think that caputo pizzeria flour works best at under 2 min, and I have been quite vocal about that (would never use the "only" word, though). It stemmed from years of being on this forum seeing newcomers to the forum paying crazy shipping prices thinking they were going to make a pizza like BillSFNM or Marco in their home oven.
I have never been a huge fan of high gluten flour because it sits heavy on the stomach (taught by marco and I do notice it!)
The trick is to ferment the dough long enough so that the digestibility is high, but not so long that the protein is damaged and can not provide enough support for good oven spring.
John my experience with HG flour has just been the opposite. I have experimented with it a lot over the past year and a half and I find it consistenty easiest to work with. It develops gluten just by sitting and requires very little effort in kneading. It gives a consistent puffy aerated rim everytime. It takes me less time and effort to work with compared to 00. And I'm pretty sure it's not b/c I have had more practice or am more familiar with it.
John, I mainly use Sam's Club HG bleach and bromated flour, but have used All Trumps (bromated) as well as the HG flour from Sunflower Market (which I believe is non bromated).
Dell- but what about the flavor of the dough? Isn't this the reason for preferments?? Crumb appearance, holes, and textures are one thing....flavor another. Im NOT saying your are wrong, these are simply questions I ask so I can UNDERSTAND what I am doing. Its amazing how little you know when you simply DO what you have been taught to do....without ever getting any info as to WHY....


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For more information, please call 304-691-1400
Proper medical and surgical management of gynecological problems in girls and teens can have profound consequences on sexual development and future fertility. Pediatric and adolescent gynecology is an emerging specialty that offers diagnostic and therapeutic services to treat girls from early adolescence to young adulthood for conditions affecting the female reproductive system. Gynecological issues that are common in girls and teens include:
Care is provided in an atmosphere that allows both patients and parents to feel comfortable talking about health issues.
Dr. Jennie Yoost earned her medical degree at the University of Louisville School of Medicine. Her residency training in obstetrics and gynecology was completed at the Medical University of South Carolina in Charleston. She then returned to Louisville to complete her fellowship training in pediatric and adolescent gynecology at Kosair Children's Hospital and the University of Louisville Department of Obstetrics and Gynecology. She is a member of the medical staff and sees patients in her office in the Department of Obstetrics and Gynecology at the Marshall University Joan C. Edwards School of Medicine.
Dr. Yoost offers first-time gynecologic examination and Pap smear consultations, giving special consideration to the physical and emotional needs of young women, and providing support in their transition from pediatric care to gynecologic care. She works actively with specialists and referring providers to coordinate treatment and management of the patient's care. Dr. Yoost is responsive to the unique physical and emotional needs of children and adolescents with gynecologic needs and will develop a plan of care that meets the needs of each patient and her family.
To contact Dr. Yoost's office or to make an appointment, please call 304-691-1400.


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The minimum/maximum varies for each group room, ranging from 16-300+.
For all group rooms, we ask for a non-refundable $500 per facility deposit and the $15 per game order charge at the time of reservation, with full payment due at least 45 days prior to the game. Tickets and parking or pre-game passes will be mailed upon full payment.
Catering at Citizens Bank Park is provided by our partners at ARAMARK. For Bill Giles Party Suite, Hall of Fame Club Deck, MVP and All-Star Suite, and Corporate Party Suite catering, contact Ms. Donna White at 267-570-2391 or email@example.com. For Pre-game parties and meetings catering, contact Mr. Harmon Bryen at 267-570-2200 or firstname.lastname@example.com. Please be prepared to provide them with your reservation details including game date and facility booked.
Please note that for birthdays, anniversaries and other celebrations you are permitted to bring a cake to the ballpark. Arrangements, regarding authorization and delivery, must be made in advance through the Phillies at 215-463-5000.
Gates to the ballpark open as follows; Monday through Friday, 1 1/2 hours prior to game time and Saturday/Sunday, 2 hours prior to game time. Ashburn Alley (via Left Field Gate) opens every day 2 1/2 hours prior to game time to give fans access to watch batting practice.
For Suites and Decks, you may access your facility when the ballpark opens and catering will be available through the end of the 5th inning or 1 ½ hours after the scheduled game time, whichever comes first.
For pre-game party areas, your event runs for 90 minutes before game time and catering will be available during the 90 minute period. In accordance with the above information, catering will be ready as soon as the ballpark opens. If you are hosting your event in the Scoreboard Porch or Rooftop Bleachers, which have a view of the playing field, you may shift your party time to a mutually agreed upon 90 minute period extending into the game time (please consult with the Phillies to make arrangements).
Yes, based on availability. However, you must consult with the Phillies at least 2 weeks in advance of the game to check availability, make these special arrangements, and you may be subject to an additional charge.
To make special arrangements regarding arrival time or to notify us of your preferences for furniture configuration, please contact the Sales Office at 215-463-5000. Items such as linens, projectors, and additional furniture are available upon request, at an additional cost.
To make an appointment to view a group room, please contact the Sales Office at 215-463-5000.
Car parking is available around the sports complex area in Lots A-N and T-X at $18. Bus/large vehicle parking is designated in Lots Q and N and the cost is $36 per vehicle. Preferred parking passes are included with Bill Giles Suite, Hall of Fame Club Deck, MVP and All-Star Suite, and Corporate Party Suite packages and give access to Lots P, Q, R, S and V. Parking Map »
Tailgating is permitted only in parking Lots A-N, located south of Pattison Avenue. To make specific arrangements contact Central Parking at 215-334-4340.
Each guest is permitted to bring one bag into the ballpark. Bags can be no larger than 16" x 16" x 8" and will be subject to inspection upon entry in accordance with Major League Baseball security regulations. To ensure the safety of our guests, glass bottles, cans, hard sided coolers, thermoses and open containers may not be brought into the ballpark. Exceptions: baby bottles and single-serve, soft-sided juice containers and soft-sided coolers that do not exceed the 16" x 16" x 8" size requirement. Umbrellas are permitted inside Citizens Bank Park. Please be considerate of guests around you when using an umbrella.
If your event is in a private or pre-game space and requires delivery of items in advance (or larger items that may not gain access through the gates), please contact the Phillies at 215-463-5000 or email@example.com.
Any child 3 years of age or older is required to have a ticket for the game.
In the party suites and club decks, you may purchase additional tickets above the standard quantity included in the package, and these additional tickets are eligible for discounted children's prices. In the pre-game party areas, all qualifying guests are eligible for discounted children's prices. Please call the Sales Office at 215-463-5000 to inquire about these discounts.
All group rooms are welcomed both pre-game on the main Phanavision board and in-game on the side message boards during the top of the 2nd, 5th, and 6th innings
For pre-game events, you may add tickets based on availability while adhering to the deposit policy. For Suites & Decks you may add tickets at any point while staying within the pre-set limits for each facility.
Please protect your tickets and treat them like cash. In the event that your tickets are lost or stolen, please contact the Phillies at 215-463-5000 or firstname.lastname@example.com to discuss any options. If you are distributing your tickets in advance, it may prove beneficial to note the section, row and seat that each guest holds. On the day of the game, please visit the Sales Lobby located in the First Base Gate Plaza behind ticket window #29, with all ticketing issues.
With the Phanatic's busy in-game schedule and responsibilities, we are unable to guarantee a visit. If you have reserved a Suite/Deck/Pre-game event, please contact the Sales Office at 215-463-5000 or email@example.com to place a request.
For all game day suite and pre-game events, the Phillies ask that you carry commercial general liability insurance, also commonly referred to as event insurance or special event insurance. When you book a suite or pre-game event, the Phillies mail you an event agreement. If indicated in the terms and conditions of the event agreement, you are required to carry commercial general liability insurance for your event. If you wish to obtain the insurance through MLB (their T.U.L.I.P. program typically costs $100 for up to 300 guests), you would contact the Phillies group sales office.


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Stuttgart Wine Festival has lost none of its original appeal. It is not only a hit in Stuttgart , it has long been a byword and ambassador for the Swabians' love of life, well beyond the Baden-Württemberg state capital. It shows Stuttgart and the Swabian region at its best – convivial and welcoming and celebrating wine as their cultural heritage.
The wine-making town of Heilbronn holds its traditional German wine festival around the town hall. Thirteen cooperatives and 17 wine-growing estates showcase around 300 still wines and 16 sparkling sekts. Robust reds, crisp whites and full-bodied rosés are on offer. Selected dishes accompany the top-quality wines while musical entertainment sets the tone.
The white marquees that are the hallmarks of the culinary wine walk in the Stetten vineyards can be seen from miles around on Whit weekend. Ten winegrowers and five chefs at five points along the existing Stetten wine walking trail serve fine wines from their own vineyards along with gourmet delights.
Boppard is on the romantic Rhine in the UNESCO World Heritage Upper Middle Rhine Valley . Bopparder Hamm is the biggest vineyard site in the Middle Rhine wine region . The wine festival takes place in the historical setting of Boppard's medieval market square. Every autumn, winemakers and restaurateurs invite wine connoisseurs and gourmets to taste their riesling and other specialities.
More than eighty years old but still in its prime. The first Bergstrasse Vintners' Festival may have been held in Bensheim back in 1929, but it remains a firm favourite for all ages and among wine enthusiasts from the local area and beyond. South Hessen's biggest wine festival has a young, fresh and modern image – but it still retains its traditional charm.
Nordheim Food and Wine Festival, held beneath a canopy of chestnut trees, is a wine lover's delight. Visitors to the lavishly decorated marquee can sample a broad range of wines produced by Nordheim vintners and the DIVINO wine cooperative . Also featuring typical Franconian specialities and light international dishes, it is one of the highlights of the Franconian wine calendar.
The Ortenau vineyards showcase the full variety of their fine wines on the last weekend in September. The spacious setting of Offenburg market square, a host of music groups – some from neighbouring Alsace – a farmers market, barbecued food and speciality cheeses, tarte flambée and zwiebelkuchen make this a traditional wine festival with a cosmopolitan feel.
Strolling around the streets of Freiburg in a superbly atmospheric setting, visitors get to know the region and its people, enjoy the local specialities and feel inspired by the Badensian zest for life and wine. Stalls packed around Freiburg's famous landmark are full of traditional and regional specialities from wine cellar and kitchen.
Tālummaiņa jūsu pārlūkā ar divām ērtām taustiņu kombinācijām:
Lai saņemtu atbalstu no pārlūka izstrādātāja, noklikšķiniet uz ikonas:


text:
Our complete selection of footwear is available for shopping online whenever and wherever is most convenient for you—and shipping is always free. You can also quickly check which styles and sizes are currently available at Nordstrom North East Mall. That means if the quality, contemporary pairs you want are in stock, you can choose to buy them online and pick them up in person.
Start shopping our Kork-Ease women's shoes collection now.


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8' Belgian Classic Slope Arm Upholstered Sofa
- No Longer Available -
A classic interpretation of the European-inspired slope arm sofa. Low to the ground, deep in profile and sleekly streamlined for casual yet sophisticated appeal, it offers luxurious comfort.
Show Details +
- Built of kiln-dried hardwood
- 8-way, hand-tied spring suspension
- Double-doweled frame
- Sloped arms gracefully angle down toward the front
- Deep seat offers sink-in comfort
- 1 seat cushion/2 back cushions
- Includes 2 accent pillows
- Choose standard fill (polyfiber wrapped around 4½" foam core) or down-feather fill (feather and down wrapped around a 4½" foam core)
- Coordinating back cushions are all polyfiber for standard fill, or all feathers and down for down-feather fill
- Foot finish varies by fabric color. View details.
- Also available in leather
- Classic: 96"W x 38"D x 32"H
- Luxe: 96"W x 43"D x 33"H
- Clearance needed for delivery: 31". Learn more.
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Shown in sand Belgian Linen.
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Dual-core central processing units (CPUs) were considered a breakthrough in the personal computer industry back in 2005. In 2010, dual-core chips, albeit powered by processors with different micro-architecture, are set to enter the market of mobile phones, according to ARM, a leading developer of processors for portable electronics.
"We don't need silly GHz speeds. With our dual-core A9, we can get two times the performance, without the speed draining the battery, so by the time you get home your phone is dead," said Rob Coombs, director of mobile solutions for ARM, in an interview with TechRadar web-site.
Mr. Coombs added that ARM hopes that actual implementers would introduce dual-core processors for mobile phones sometime in 2010, but still, delays to 2011 were possible.
Dual-core processors will not only increase overall performance of mobile devices, but will enable new functionality, for example, speech recognition. In addition, multi-core chips will eventually allow mobile phones to do tasks like running productivity or even multimedia applications (when plugged to larger screen and keyboard).
"They will allow user interfaces to be a bit more reactive, with some cool and weird options. For instance, if future mobiles rely on speech recognition, which is a processor hogging application, we can deal with that," added Mr. Coombs.


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This girl is a true freak.
what a woman! she is so hot! i'do anything for her! even clean her face of that moron's cum! i'm so in Love...
great to see a variation on the normal.Can only stop him a few times as too many will wilt the cock- she is bloody sexy and dirty with it- great.Agree the cum shot was pretty weak .
Not very nice looking cock. I expected a much more dramatic ejaculation, but still, i liked the concept a lot, it was very fun to watch!
seen worse.
I love his moaning!
It is a rather thin and not very appealing cock. The cum shot was just a few drops. The girl is very hot though. All in all something different... But the guy'a moaning sounds like a cow giving birth to a mid size bull...
damm that guy took forever to fucking cum
were can i find her
naughty sarah at home is her deal
First orgasme
After all that? Where was the cum? just that little squirt? I really wanted to see MORE
she is so hot! i'd love to have her feetand lips around my cock!
Sarah do an sexy panty ass walking up stairs,don't need the dude to arouse me
Love how she teases, stops him at the point of orgasm.....awesome....
My wife does that to me,I love it.
WOW. She could tease me any time Next,Iwould love to tease her.
she look like veronica mars
gozei porra
Shut up dude and let her jerk it off. Oh, don't you love when the babes do that lip thing as they rub the squiring cum on their faces. mmmmm
Bj messy face
SARAH AT HOME! Oh my gawd YOU TEASE! The cum drip is FLOWING from my didck! YOU make me wanna CUM SO HOT AND STICKY! Oh fuck I want to feel MT HOT PERM AS IT RUSHES THROUGH MY COCK SHAFT AND EXPLUDES ALL OVER YOUR PUSSY LIPS! I WANNA EAT THE SPERM FROM YOUR SWEET CUNT! PLEASE PLEASE PLEASE!
Sarah, I would love you to play this game with me anytime, every time! You are the best. xoxoxox
'Brit MILF Blowjob' must be the most intense male orgasm in history! Everyone check it out
She is hot I would suck that cock with her
She is soooooooooooooooooooooooooooo fucking hooot
A wasted cum shot.
questa bionda è un'artista , farà una grande carriera !
want to suck her sweet tits so bad……wish she would suck me until i blew my big warm load if cum all over her sweet soft tits
Oh shiiiiit, SHUT THE FUCK UP AND LET HER DO HER THING!
He was probably 7 inches, but PENCIL DICK! He better thank his lucky stars she felt like blowing him...
Oh mein Gott..ich liebe Sie !!!
Small cock!Booooooooooaaaaaaaring!
Good !
She plays with cocks just like she really did nothing else in her whole short life...
good idea, more foor work needed, in between the toes would be excellent
That was hilarious
Yeah, she's great! She was on Camworld for a while, i did a show with her, can't find her now. her English wasnt too good, but shes sexy as hell. The best O I've had in a long time.
you are the hottest natutual sexy girls in all the land much love!
bis der mann sich kaum noch halten kann und fast explodiert,das ist so geil.. will ich auch mal wieder machen
Dammit DON'T stop when he STARTS to cum!!!! Fuck!!! It's like they freeze when they feel cum! When you are sure you got every drop....KEEP GOING anyway lol!!!!! Until he says stop!
I really want to see a Sarah video where she kisses her man after he comes in her mouth.
I love how she says "You can cum now". Fucking hot! The "oh shits" from the guy was annoying though. Sounded like a Beastie Boys wannabe.
Love those tits!
i love it when a girl tells me when i can cum
The Internet is a strange place
this girlis the hottest squirts & sexy playful, cute man haard to beat you sarah!
what the heck i mean they way he was screaming i thought he was going to cum like peter north, i am glad i only watched the 3rd part the rest would of bored me to sleep.
dude, seriously, funniest porn ive seen so far. his reactions everytime she stopped...priceless lol
Is that blue label I see in the back? Fucking nice
She's a cum spitter.
I love teasing a cock like that!Make him cum when I want him too.
sie is der hammerrrrr!!!!
This is Penis Heaven!
Ich bin ganz spitz!
sie ist so hübsch.......würde so gerne durch ihre hand abspritzen
das video macht mich soooooooooooooo geil
nicely milked
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Re: Restful Authentication with all the bells and whistles (new 9/05/08)
I followed the old tutorial outlined in post 246 and I have gotten what I want working from it, namely the admin panel.
My app is such that a user belongs to a specific organisation and each organisation has its own collection of movies. Each user can only view the organisation it belongs to movies'.
I am now trying to add the functionality of the admin being able to set a user's organisation.
So the link in _user.html.erb
<%= link_to 'edit roles', user_roles_path(user) %>
works perfectly but when I try to copy it and create
<%= link_to 'edit organisation', user_organisations_path(user) %>
I get a no such method exists error.
If I type "http://127.0.0.1:3001/users/27/roles" into the address bar while logged in as admin, I am taken to the roles page for user 27 but if I try "http://127.0.0.1:3001/users/27/organisations" I get "No action responded to 27. Actions: activate, create, destroy, edit, enable, index, new, show, and update".
My feeling is that this is occurring because a user has a role but a user belongs to an organisation. I've been playing about with it for a few hours and can't figure out a way to get it so I can edit a user's organisation as admin. I can do it as the user but this is not the behaviour I want.
Any help much appreciated.
Last edited by Cloud (2010-01-14 19:50:18)


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Federal "guidance" on school discipline could "have a chilling effect . . . potentially leading to unruly and unsafe classrooms," warned senior House Republicans in a letter to Education Secretary Arne Duncan and Attorney General Eric Holder.
The letter was too polite, writes Checker Finn in Disciplining the undisciplined. It will be harder to create "safe, serious, and effective learning environments" for students who want to learn.
A 23-page "Dear Colleague" letter warns against disciplinary practices that have a "disparate impact" on various groups of kids. University of Colorado political scientist Josh Dunn explains:
. . . if students in one racial group are punished more than their percentage of the student population a school can expect the feds to come knocking at their door. In that investigation, federal bureaucrats will ask if a discipline policy had an "adverse" (disproportionate) impact on a particular race, if the policy is necessary to meet important educational goals, and if other effective policies could be substituted without the "adverse" effect. The guidelines are unsurprisingly short on what could count as an important educational goal and what policies might be suitable alternatives. If evenhandedly designed and implemented policies could fall afoul of their bureaucratic eye, then any policy could.
"The consequences for schools and particularly for minority students, will be nothing short of disastrous if actually implemented," Dunn concludes.


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Biodiversity is fundamental to quality of life in Hampshire
Biodiversity is essential for the benefits it provides us, from underpinning economic development and prosperity to enriching people's lives by providing relaxation, enjoyment and inspiration.
Hampshire County Council is helping to ensure that the benefits of biodiversity are readily available to everyone.
These pages illustrate the County Council's wide range of initiatives to conserve and enhance nature in Hampshire.


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BaBylissPRO TT Tourmaline 3000 Dryer
- Overview
- Features
- 1900 watts
- Ionic and tourmaline ceramic technology
- Extended life AC motor
- Compact, powerful, supreme heat
- 6 heat and speed settings
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- 9-foot professional cord
- Includes an ultra slim concentrator nozzle
- 2-year limited warranty
- About the brand
The BaBylissPRO TT Tourmaline 3000 Dryer combines ionic and tourmaline ceramic technologies to produce beautiful, shiny, smooth hair. The dryer has 1900 watts of power to dry your hair quickly while maintaining its health and promoting its natural beauty. Tourmaline and ceramic technologies emit far-infrared heat for faster drying and styling. Negative ions reduce static and frizz.
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Allentown encouraged to reclaim manufacturing status
ALLENTOWN, Pa. - According to economic development research recommendations recently commissioned by the city, Allentown is a prime place to work, live and play.
The city's Department of Community and Economic Development and the Allentown Economic Development Corporation Thursday night presented a fairly lengthy slideshow of strategies, recommendations, demographics, and ideas on what it would take to entice small and medium-sized manufacturers to open plants and bring higher paying jobs back to the city.
The entire effort is being titled "Envision Lehigh Valley: Allentown's Sustainable Development Project."
The pubic presentation was held in the auditorium of the Lehigh Valley Health Network facility located on Mack Boulevard in Allentown, which served as the previous corporate headquarters for Mack Trucks.
And ironically, the former Mack offices were named along with the now defunct Allentown Metal Works and city incinerator sites as favorable locations on the "Little Lehigh" corridor to be developed for industrial use, noted Jim Damicis, senior vice president at Camoin Associates, a Saratoga Springs, NY, economic development company that formed the re-industrialization plan.
Damicis reported that Camoin Associates, along with Conshohocken, Pa.-based architectural and engineering firm Bergmann and Associates found Allentown to be a "manufacturing city located in a manufacturing region" that needs to strengthen its workforce, awaken its building environment, capture the energy of entrepreneurial development, and connect with other Lehigh Valley entities including schools and businesses.
Damicis said Allentown has a very diversified manufacturing base with the top industrial sectors being medical/surgical equipment, fabricated metals, food products, and machinery.
He added there is growth in plastics, electrical, batteries, and rubber products with further opportunities in niche manufacturing such as biological, nanotechnology, and molecular-based manufacturing.
Damicis said Allentown has to be properly marketed to potential new businesses by selling them on the city's lower labor and space costs, existing infrastructure, city services, and the direct accessibility of the city population to the labor market.
He further suggested bringing supply chain and component parts makers to Allentown, because the city already has warehousing and transportation entities.
Damicis offered the analogy, " It's not about making the whole chair any longer, but producing the fabric for the back of the chair."
Providing well-paying jobs close to home for inner-city residents who can walk, bike or bus to work is the main objective of the entire program, wrote Mike Moore, communications coordinator for Mayor Ed Pawlowski's' office.
Changes in energy availability, rising wages overseas, and increased technology have all contributed to the increase in American manufacturing, explained Moore.
Moore noted the program is paid for with a Regional Sustainability Planning Grant received from the U.S. Department of Housing and Urban Development and administered through the Lehigh Valley Economic Development Corporation.
City Planning Director Michael Hefele said the entire draft report will be available on the City of Allentown's website beginning Friday, with public comments being accepted until Thanksgiving Day, Nov. 28.
DISCLAIMER FOR COMMENTS: The views expressed by public comments are not those of this company or its affiliated companies. Please note by clicking on "Post" you acknowledge that you have read the TERMS OF USE and the comment you are posting is in compliance with such terms. Your comments may be used on air. Be polite. Inappropriate posts or posts containing offsite links may be removed by the moderator.
Allentown, PA 18102
- %


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Phi Theta Kappa is an honor society for community college students. Dr. Marshall has been involved in the organization for several years. She served as an advisor for the Pi Pi Chapter at Jefferson State Community College for more than 30 years, as Alabama Regional Coordinator, as the Regional Coordinator Representative and Vice Chair of the Phi Theta Kappa Board of Directors and as Vice Chair of the Phi Theta Kappa Foundation Board of Trustees. Dr. Marshall has also been honored by PTK as a Faculty Scholar, Distinguished Regional Coordinator and Giles Distinguished Advisor. Dr. Marshall was one of the first recipients of the Mosal Award and is an International Honorary Member of Phi Theta Kappa.
The Jo Marshall Leadership Award Endowment (Marshall Award), was created to encourage the professional growth of Phi Theta Kappa advisors at community colleges. The award carries a $5,000 stipend for the completion of a project that leads to personal leadership growth beyond the completion of professional degrees.
The first Marshall Award was given to Professor Velda Arnaud, Business Instructor at Lane Community College in Oregon. Arnaud, who also serves as Phi Theta Kappa's Rocky Mountain-Cascade Regional Coordinator, was selected as a Marshall Award winner for her project, Leadership Tour: A United States lecture tour to deliver workshops on various leadership topics. Professor Arnaud will deliver workshops on topics such as leading with integrity, bridging the generation gap, professional social networking and designing a professional development plan.
"It is only appropriate that Phi Theta Kappa's most prestigious leadership development award carry the name of Jo Marshall. Dr. Marshall has served in nearly every leadership post in Phi Theta Kappa -- embracing each as a means by which to make Phi Theta Kappa stronger for all stakeholders," said Phi Theta Kappa Executive Director Dr. Rod Risley. "She has demonstrated through her career that leadership can be taught, and that opportunity should be given whenever possible for others to realize their leadership potential. The Marshall Awards serve to raise aspirations of our chapter advisors to step forward, lead and serve."


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The mission of the UMES Office of Public Relations is to strengthen the public perception of the University as a forward-looking center of teaching, research and extension work.
The office of Public Relations is responsible for managing the University's communication and relationships with its various publics.
The Public Relations staff works closely with the administration in planning a comprehensive and strategic public relations program based upon specific goals of the University.
The Key


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December 03, 2012
Reifers, Wilson come up short
Neither of two Dublin natives, Kyle Reifers and Chris Wilson, gained exempt status on the PGA Tour next year in the final qualifying tournament that ended today in LaQuinta, Calif.
Reifers, who played on the tour last season but finished 154th on the money list, tied for 73rd at 10 under par for six rounds. Wilson tied for 114th at 5 under par.
Twenty-six players who finished 17-under or lower earned exempt membership on the tour in 2013.
Wilson will be exempt on the Web.com Tour in 2013 because he won a tournament on the circuit last season. Reifers missed exempt status on the Web.com Tour by one stroke. He will have conditional status on the tour.
Sunday, former Ohio State golfer Inhong Lim of Australia tied for 39th in LPGA final qualifying to earn conditional status on the women's tour next year. Another former OSU golfer, Emma Jandel, finished 71st.Continue Reading
Posted by Bob Baptist on December 03, 2012 07:53 PM


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Saturday, 27 March 2010
Important: JP Morgan assume the Ronaldo money is going to pay the PIKs…...
38 comments:
Superb again, andersred.
- 28 March 2010 at 08:14
Great stuff, keep up the excellent work, it is much appreciated by many, many fellow Reds!
- 28 March 2010 at 10:03
Absolute crap, how can a club supposedly in so much debt afford to take a cut in 20% on the ticket prices?
Yeah that will help get the club out of trouble right?
- 28 March 2010 at 11:57
- andersred said...
Hi anonymous,
I wasn't saying a 20% is what should happen, I was showing what you could do with £70m if the money was being sucked out of the club to pay the Glazers' own debts.....
United sell Ronaldo and get no benefit, because the Glazers just take the money.
- 28 March 2010 at 12:03
I'm an accountant and have read the report and it says what good shape we are in and how well the club is run by the present owners...isn't that the Glazers. We can all take sample phrases and put a spin on it but the truth is the report just doesn't say what you say it does. Fergie has said on several occasions he had over 100mill to spend but wasn't going to buy in last summers crazy market, sounds to me like gill fergie and the glazers are doing a great job...whats your point again.
- 28 March 2010 at 15:22
hey Matt Read it properly. say it man u r glazer supporter. may be in ur real life u r bad accountant.i m not sure how u read it 1st line and last line.
just say it u r glazer supporter.may be u r glazer accountant.
- 28 March 2010 at 15:52
- andersred said...
Hi Matt,
We know the club is in "good shape" operationally already. It made "adjusted" EBITDA (after management fees) of £94m last year.
The "base case" in this report shows that number not really growing for the next few years (£92m, £83m, £88m, £92m and £102m in the next five years).
The upside scenario shows growth (£92m, £87m, £102m, £105m, £124m).
We knew all this already, United is a good business. It is partly so profitable because of the huge increases in ticket prices but let's leave that.
The financial problem at United isn't its operational profitability, its the balance sheet with net debt around 7x EBITDA.
You ask what my point was. Apologies if it wasn't obvious. This balance sheet structure imposed on our formerly debt free club is costing millions of pounds to service and will swallow up all of the windfall from the Ronaldo sale.
In particular this JPM note confirms what I have always said, £70m (effectively the Ronaldo cash) will be used to repay some of the PIKs. David Gill says the PIKs are not the responsibility of the club. I don't know how often you repay debts that are not your responsibility, but this note suggests United will be doing exactly that.
Fergie does have £100m to spend, because the Glazers have kindly put in place a new £75m revolving credit facility.... More debt.
Hope that helps,
- 28 March 2010 at 16:04
Hi Anders,
"Fergie does have £100m to spend, because the Glazers have kindly put in place a new £75m revolving credit facility.... More debt."
And United have already received half of the Aon sponsorship money. Am I right? Peter
- 28 March 2010 at 20:24
- andersred said...
You are pretty much spot on, United have received 43% of the Aon money up front (last May).
This £35.9m plus the Ronaldo £80m less the money spent on Valencia is the reason why United reported proforma cash of £98m at 31 December 09 (from Q4 09 results presentation).
I didn't mention it in my post and JPM don't model it coming out of the club, but there is another £25m "restricted payment" that can be made to the Glazers at any point Red Football is not in default of the bonds. If you wanted to be pessimistic, £95m of that £98m could disappear overnight, leaving only the new credit facility.
- 28 March 2010 at 20:43
Correct implying much less cash during the remaining life of the deal in other words they needed the funds to bolster the balance sheet at the time of the bond issue.
- 28 March 2010 at 20:58
Thanks for your answer. Yes I am pessimistic. The Glazers: debt, PIKs, more debt, credit facility, refinancing after refinancing, dividends, wall street fees, another bank loans, the ticket prices etc...only bad things, nothing good. LUHG
Your blog helps a lot. Keep up the good work. Peter
- 28 March 2010 at 21:49
this is all well and good quoting how bad the glazers are but who do we have to come in instead? the red knights wont make much of a difference and if u really know ur figures u'll understand that too. jim o'neill is part of goldman sachs one of the biggest problems in the subprime mortgage crisis of the US which is disastrous. i dont lik the glazers but i wont protest against them unless i see a proper group, with uniteds interest at heart, with the right money and plan to get us out of this mess.
- 30 March 2010 at 15:43
- andersred said...
Hi Tom,
I agree that United needs a viable alternative to the Glazers, but that doesn't mean that they aren't bad in isolation and that the fans shouldn't protest.
I think I do know my numbers and I'd suggest people don't dismiss the "Red Knights" until there is something concrete to look at...
- 30 March 2010 at 16:06
- Usman said...
- This comment has been removed by the author.
- 30 March 2010 at 18:37
- Usman said...
- This comment has been removed by the author.
- 30 March 2010 at 18:46
- Usman said...
Here are my comments amalgamated into a single one instead of 3.
All you've said is that J.P. Morgan are the bankers for Manchester United. And that this banking group, who specifically may not have access to all the mufc details, say £70 is going to be taken out of the club balance sheet to pay a PIK instalment.
Do you know the bankers yourself, and are they the same bankers who themselves deal with the Glazer family?.
Very biased report mate, nothing out of the ordinary or ground breaking by any means.
But i do question your intentions. Do you really have the best for the club at heart? Do you want a say in how the club is run?. Go to barcelona or Real madrid mate, we're not a political football club and you by no means are a football M.P.
30 March 2010 18:37
Usman said...
Furthermore, in the third paragraph there is this quote: **"We see significant potential upside from
increasing demand for football content, international sponsorship
opportunities with a globally recognized brand as well as the potential
to outperform our base case with strong on-field performance."**.
Why have you ignored this critical part of the report for?. Critical enough to be on the front page of the report in clear (technical) language.
*P.s., i liek your blog of factual information and opinion. A bit better than the journalistic codswallop in the media.
- 30 March 2010 at 18:48
Boycott season tickets get glazers out and have it in our hands! Luhg!!
- 30 March 2010 at 20:47
- Tony Nuttall said...
How do you respond to this from Rob Lawrence on the Manchester Evening News Man United site:
I read the blog and JP report and I can tell you now, you got it all wrong! Firstly, the blogger isn't exactly what you would call independent and open minded. I won't doubt his claimed credentials to be a fund manager, but if he is so, I would be worried he can't read a credit analyst report properly. Your claims of asset stripping are way off the mark, the comment regarding the £70 million is a hypothetical assumption made by the analysts for their financial model of the expected financial position of the club under 3 scenarios. They made this assumption that the Glazers have the right to access this capital, it doesn't mean the Glazers are definitely going to exercise that right! Whether the Glazers access that capital will be determined primarily by the financial needs of the club to ensure success on the pitch."
- 31 March 2010 at 21:52
- Usman said...
haha.. the author has taken a lot of hypotheticals as fact.. what an idiot.
- 31 March 2010 at 21:58
Andersred, you say: "People like me say that the bond prospectus is very clear that £70m will soon be sucked out of the club to pay the Glazers' own debts."
The prospectus didn't seem clear on this at all to me, nor to JP Morgan who state that the Glazers have "yet to declare their intentions". It would be very silly for Gill to say the money is available to be spent if it is about to be siphoned off. And very unwise for the Glazers to mislead Ferguson like that, because he clearly thinks at least some of that money is available to him. If he were to feel he'd been lied to I'm sure he'd denounce the Glazers publically and walk out and imagine the protests and boycotts we'd have then.
- 1 April 2010 at 00:48
- andersred said...
Weird argument from this Rob guy. Like I said to Usman, this is an "informed" research note, a draft of which the club will have seen and been allowed to comment on (you can see this in a couple of places where it says "MUFC say" and then there is something they've never said in public!).
I don't claim to be independent, but I try to present the facts.
He says:
"Your claims of asset stripping are way off the mark, the comment regarding the £70 million is a hypothetical assumption made by the analysts for their financial model of the expected financial position of the club under 3 scenarios."
The use of this £70m is very important to a credit analyst and they make the same assumption for all three scenarios - the assumption that it is used to pay PIKs. They could have assumed it stayed in the club, but they didn't. Why not? Plus, stand back and ask yourself what this "restricted payment" right is for? Why carve out £70m (plus another £25m)in the bond covenants? We're talking about cash to the value of 25% of the bonds. A carve out to pay this out costs money in higher coupons. It is not put in place for laughs.
His last point:
"Whether the Glazers access that capital will be determined primarily by the financial needs of the club to ensure success on the pitch."
is laughable. If they let the PIKs carry on escalating, they'll need to find £580m in 2017, if not they'll lose the club. Nobody believes they have £580m. So they MUST pay them down. There is no evidence they personally have the liquid assets to do so (not a penny paid off in the last three and a half years) so they have two options; sell assets (Bucs valuation in the doldrums, property business on its arse) or get cash out of the one business doing well. United....
take care,
- 1 April 2010 at 00:55
- Usman said...
Hmm.. Despite the difference of opinion, you have a brilliant blog mate. thanks for sharing this info with us ignoramus's :). Goodnight
- 1 April 2010 at 01:08
- andersred said...
Let me be clear, there is money to spend this summer. Frankly, if they still own the club they'll let/encourage Fergie to use it. This is a good year financially with a high number of home games. Each home game is £3.5m of extra revenue. The cash interest cost is low (cheap bank debt for the first six months) and the cashflow negative impact of Aon prepayment is yet to kick in....
The business has cashflow seaonality and the summer is the peak period. Add it all up (and remember the RCF is there as well) and they'll be plenty of money, easily enough for a Ribery or Villa.
This all means that Gill can hide behind his comments and Fergie has been told the truth. But none of it changes my point, you do not carve out rights to withdraw 25% of the club's bond liability on a whim. If your main bank's credit research team then assume £70m is paid up the structure, it is worth taking notice off.
I've spent the last three weeks crawling through CMBS filings and US shopping center rental listings, and I am 100% convinced they don't have any other major source of liquidity to pay down the PIKs.
I can't dispute that "they are yet to declare their intentions", it is self evidently true. But if it walks like a duck, swims like a duck and quacks like a duck, I reckon it's a duck. And this is the deliberate planned removal of £70m to pay "their debts".
- 1 April 2010 at 01:19
- andersred said...
Cheers Usman!
Stay safe mate.
- 1 April 2010 at 01:21
So Anders, taking all this into account do you think there is a good chance of investment in the squand during the next transfer window - or will fans once again be worrying when ever Rooney happens to pick up a knock next season?
- 1 April 2010 at 14:12
- andersred said...
If they still own the club (and I'm hopeful a deal to buy them out can be done over the summer) I think they will allow spending.
I do believe they budget for around £25m net spending per annum (they told their lending banks the same number in 2006 and you don't lie to them if you've got any sense). I appreciate they average £7m pa since they bought the club....
I also think they have begun to think about their PR - very, very late in the day. The individual searches going into the ground show they don't want any more banners on display, chuck in the ticket price freeze and a "marquee" signing in the summer would be the icing on the cake to try to calm supporters down.
But like I said, I hope the whole subject of what the Glazers will do will be irrelevant.
- 1 April 2010 at 14:29
Excellent performance on "Red Wednesday", Andy.
I wasn'nt impressed by the pseudo-scousers arguments though :).
Can't for any reason think why anyone can argue rationally that the Glazer's ownership is beneficial to United!!
The only point they continuously fall back on is the "sucess" we've had but we all know who has been responsible for that!!
Steve S
- 1 April 2010 at 16:09
One of the things that strikes me about this JPM report, in relation to their financial projections for the company, is that they seem to be making an assumption that the Glazers wont be taking that £25m pa dividend to service the PIK interest and that instead they will just allow the interest to roll-up. Common sense tells you that the Glazers simply cannot allow that to happen. Take out that additional £25m cash per annum and the projections look very different.
The Glazers have three choices don't they (1) Take an additional £25m out of the club every year to stop the PIK debt growing and then have to find c£150m in 2017 to pay-off/refinance the PIK debt, (2) Take the additional £25m per annum AND more (around £15m per annum?) to actually pay off the PIK by 2017, (3) Refinance the PIK debt now (4) Allow the PIK debt to grow and then lose the club to the Hedge Funds in 2017.
There were rumours in the press recently about the Glazers looking at refinancing the PIK debt. Do we know if there was any truth in that? Is it possible for them to do that?
Ps. How can ANYBODY be in any doubt that the Glazers will be taking that £70m to part pay down the PIK debt? They've bloody told us that that's what they're going to do! It's suggested in the first MU Finance report that they've already carved out an unspecified amount of cash! JPM are assuming they're going to do it! It was the whole point of the bond issue. So of course they are. When the PIK debt is acruing interest at half a million quid per week they'd be mad not to.
- 2 April 2010 at 00:54
- andersred said...
You're absolutely right of course.
The ongoing dividend rights are very carefully constructed. If EBITDA is 2x interest (so around £90m) they can pay out 50% of EBITDA - interest. So it excludes any player contract related costs (i.e. transfers or contract amortisation). So £90m of EBITDA - £45m interest and they can take £22.5m in dividends, but as the JPM report shows, there is a £9m negative cash impact from the Aon prepayment plus £5m of capex.
So before any transfers the free cashflow is down to £8.5m.... What a war chest that is!
A PIK refinancing is a pipe dream in my view. £534m of senior bonds and potentially £75m drawn senior revolver supported by £90m+ EBITDA and then you try to borrow £160m on top but as 2nd lien!
Selling the Bucs could sort it, but NFL franchise valuations are well down and there isn't likely to be a salary cap this year....
So..... If a decent offer hits Florida in June.....
PS. And yes, it is in black and white in all the official docs. I must say I have been surprised how much people don't want to believe it!
- 2 April 2010 at 01:15
- Vladislav said...
a question for the author - whats your point? (in this entry and the blog in general)
Glazers are gonna take money away from the club? Of course they will. All of Ronaldo's money? You don't know that, neither do I or anyone here.
Those people own the club. So why is it that they should give money to you instead of themselves?
- 3 April 2010 at 02:34
- andersred said...
Hi Vladislav,
I assume your initial question is rhetorical (look it up) rather than literal and therefore stupid.
If I'm right, why bother asking it?
I find it amusing that hundreds of years after cleverer people than you and me developed the theories of empirical thought that allow the creation of things like the internet, the one simple observation of mine in this post meets the same laughable response: "you don't know what will happen".
Anyone can come on here and offer rational and reasoned arguments on the subjects covered, you sadly chose to come on and make such facile points that I'm tempted to delete your "contribution". I won't because for one I believe in free speech, and second I prefer your insightful analysis of the paradoxes of 21st century capitalism to hang here for all to see.
Take care Vlad (and don't worry about whether the sun will rise tomorrow after all "You don't know that, neither do I or anyone here.")
Brilliant stuff.
- 4 April 2010 at 01:50
- Vladislav said...
You know, here I was thinking you're an intelligent blogger with different from my views. And having legitimate conversation on the web is actually possible. Silly me....
The moment I come here questioning your statements you start insulting me, call my questions stupid. Scared to respond? Looks like it
p.s. I know what rhetorical means.
- 4 April 2010 at 02:53
hey vladislav
i don't know who r u?
but look like glazer pay u some money they getting away from Manchester united. so buck up say u r glazer lover.
this blog only for LUHG .And Real Manchester united fans.
not ur type of jerk.
now u feel insulting or not. reply me back.
- 4 April 2010 at 06:53
My view is that the Glazers will try to stabilize the PiK debt and hope that in three years time the profits of the club will increase enough for any remaining PiK debt to be consolidated into one senior loan. In three years time we could be looking at £650m debt all on the club. Hopefully this will be too big a risk for them and they listen to a reasonable offer.
This really is the last chance saloon for United fans to get rid of these leeches and have a better form of ownership, one that will protect the club from chancers like the Glazers or billionaires who want a "trophy" club to own.
- 4 April 2010 at 10:11
- ahmed said...
I have visited this site.it give me information about work and study. i like to know more about this site.
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- 8 April 2010 at 12:44
Fantastic Blog Anders- your about the only guy who can take all that complex stuff and sort it so us non accountant folk can understand Utd is pretty fooked !
Cheers mate.
- 8 June 2010 at 09:09
- http://hyesung000.blogspot.com/ said...
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- 8 July 2010 at 08:12
An owner of a business has the right to take dividends out of a business, however football clubs are not a business, moreover a community collective with emotion rather than an investment opportunity. Purchasing such an institution financed with more debt than equity invariably leads to underinvestment (aka capex)which over the long run leads to a diminished asset. In other words, the earnings of the asset are diverted to pay for the acquisition of the asset rather than being used to enhance and strengthen the asset.
This type of financing only works over a short period of time in which earnings must increase rapidly in order for the asset to be sold for a much higher price. The sad fact is that Glazers will recognise this and sell the asset before the tipping point and make a huge profit due to the emotional tie-in wealthy individuals have to ManU.
In short, the FA / Premier League have dropped the ball in allowing this type of financing into our game. They are the real villians here. The Glazers are just chancers while the ManU supporters are the suckers.
- 29 October 2010 at 21:23


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ALBION – The Northern Michigan University men's basketball lost in the championship game of the Mike Turner Tip-Off Classic to host Albion College, 83-76, on Saturday.
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I got this for my first grade students. The product quality is poor, the children can't close the box, pieces are too small and they get ink all over themselves. I would not buy it!
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