text:
Online Cheap nike free air 5.0 No taxes. The designer Luxury Items online shop nike free air 5.0 enjoy the low price and top quality of fashion Luxury Items here.
Neutral hose can be worn with all the skirt and may be worn with all the pants.
When navy pants are worn, navy socks work.
In settings the place that the uniform isn't required, each student follows the rules for appearance within the agency.
Hairstyles longer than the collar or elaborate (with or without decoration) can help with a compromised environment.
Long hair that is certainly pinned up from the collar will help promote an aseptic environment.
Hair on your face is well groomed and therefore not much of a threat on the safety within the student, client, or environment.
Makeup reflects a picture associated with a professional nurse.
nike free air 5.0 , physical and sexual abuse, bullying, sexual harassment, experience with community violence additionally, the witnessing of domestic violence.
Have the fear and tension prior to when the attack, then block or evade such as you mean it, appreciate your life will depend on it and counter attack (eventually at the same time naturally).
Article Six Steps to increase Editing and Writing By Laurie Dart Editing ones writing is incredibly difficult.
Takes turns this process along with your partner.
Be careful not to get so captivated you hurt him.
These steps will let you become a better editor and in its place an improved writer.
Beach Wedding Party Favors For Summer Bridal Weddings by Joe Palladino Beaches can be one of the best romantic settings for that wedding.
nike free air 5.0
The Cheapest nike free air 5.0,Sat Oct 23, 2010 10:08 am That's assuming people stop using drugs as a result of illegality.
Mon Jan 01, 2007 8:17 pm Certainly while using the part when the R600 will spank the 8800 gtx.
We never think of us as at least one.
The primary budget vote is expected Thursday but the government could delay it.
Concern is that they can don't and shortage creates much more criminality than persons withdrawal from dating as a result of addiction.
However argue with that site.
BTW most it not exclusively politicians are applying cocaine, do you reckon You are able to cut them off.
nike free air 5.0
nike free air 5.0 Rules of Conduct 1 Maintain it Clean.
Video To discover the Wild Canyon Games video featuring Luke Wilson, visit s.
"All water they pumped to the fire flooded our apartment.
Rules of Conduct 1 Maintain it Clean.
We lost our furniture and our clothing.
kids nike shoes australia
cheap nike air maxs
cheap nike free shoes
nike free run for kids
nike free run red
nike free runs aus


text:
(+34) 93.861.63.72
Hours: Monday to Friday
9.00 to 14.00
15.30 to 18.30
¿Do you forget your password?
More info
We're working in our new page, i'ts possible that you discover some mistakes.
In that case, you can notify us
clicking HERE..
1 push socket two robust pole-connectors (network/black) on to rear for panel DAP ground battery cable Seth included in delivery dimensions: 218 xs 95 xs 65 mm weight: approx. 1200 g body in silver color with EC and E-designation
Locura Digital S.L - All rights reserved

subset: commoncrawl


text:
Sternarchorhynchus retzeri
The Elephant-nose Knifefish, (Sternarchorhynchus retzeri), is a species of electric
fish found in South America. Sternarchorhynchus retzeri is broadly
distributed across the Amazon basin from the Rio Iça basin in the western portions
of Amazonas, Brazil, to the Rio Trombetas in Pará, Brazil. Elephant-nose Knifefish
live along the bottoms of rivers, actively preying on benthic invertebrates, including
insect larvae. Sternarchorhynchus retzeri have electrogenic abilities using the
electric field generated to aid in the location and capture of prey living in the mud
and leaf litter and other detritus. Their long snout aids in the capture of prey hiding
in small crevices on the river floor. Their electrogenic abilities are also used for
electrocommunication (De Santana and Vari 2010).
Elephant-nose Knifefish are laterally compressed, with an elongated snout. The
snout is generally straight, though it may have has a slight downward curve.
Individuals of this species range between 300 and 400 mm, with females generally
being larger than the males. Sternarchorhynchus retzeri have dark pigmentation that
generally reflects the surrounding environment (De Santana and Vari 2010). Anal and pectoral fins tend to be darker at the ends than the rest of the body (De Santana and Vari 2010).


text:
With GPS tracking and recording you can also identify your position in the skiing area and visually represent your complete day skiing on a map. In the iSki Tracker app your and your friends' days skiing are represented visually: Skiing area, data, slope kilometers, meters in altitude (down), lift kilometers (~number of lifts), speed, photos, map.
Your own iSkier Community
Create your own iSkier Community. How? Very simple! Via the new iSki Tracker. At close of day iSkier evaluates the day skiing, analyzes it and shares it with friends.
Additionally you can download the respective iSkier Community of the skiing area on the website of all iSki Tracker partners – the "iSki Book" for winter sport freaks, so to say. Via an overall view on the homepage of the skiing areas (partners) you can access and compare both the day's performance and the overall performance in the skiing area – independently from any other platform. Thus the cumulative (anonymized) data of a skiing area is available for comparison: Skiing area, data, slope kilometers, meters in altitude (down), lift kilometers (~number of lifts), speed and weather on your day skiing.
Continued use of the Tracking Feature (GPS) running in the background can dramatically decrease battery life.


text:
Illinois Public Media News
In-depth reporting from WILL, NPR, the Associated Press, and other sources
Contact WILL News at firstname.lastname@example.com
(Jose Luis Magana/AP)
October 14, 2013
(Bill Wheelhouse/Harvest Public Media)
October 14, 2013
Shipping Containers Can Open Export Market To Farmers
(University of Chicago)
October 14, 2013
Nobel Prize Winner In Economics, U of C Professor, Born In Champaign
Page 490 of 1110 pages ‹ First < 488 489 490 491 492 > Last ›
WILL Newscast audio
NPR News
'Like High-Definition From The Heavens'; NOAA Releases New Images Of Earth
Scientists Discover Prehistoric Giant Otter Species In China
Trump Files Documents To Shift Management Of Businesses To His Sons
Trump's Telecom Chief Is Ajit Pai, Critic Of Net Neutrality Rules
Politics Aside, Counting Crowds Is Tricky
Judge Blocks Health Care Merger, Saying It Would Hurt Competition
75 People Arrested, Accused Of Trafficking Stolen Art And Archaeological Relics
John Lewis' Graphic Memoir Wins 4 American Library Association Awards
Trump To Nominate Heather Wilson As Secretary Of The Air Force
Japan Explores Ways For Emperor To Abdicate The Throne
More NPR News
WILL Highlights
A short film series examining the severe underrepresentation of African-Americans in the sciences.
Classic Mornings
Get more out of your classical music experience and check out Vic Di Geronimo's blog.
The 21st
21st century radio for the 21st state. Weekdays at 11 am on WILL-AM 580.


text:
Printable View
I've done some more Christmas shopping! :dance: And we've been assembling Christmas jigsaw puzzles.
I watched Holiday Inn last night!
The local craft store is chock-a-block with Christmas goodies!
Christmas film Christmas Choir on tv [uk] right now,and then at 10am White Christmas...altogether now..."We'll follow the old man,wherever he wants to go...wherever he wants to go...wherever he wants to go...:snowman::elf1::merrychristmas:
I saw this in a window display on the weekend and KNEW I had to take a picture to share with everyone here on ATC. Snowflakes & Wrapping paper... ohhh.. it's not so far away now!
After some cyber-burrowing I've found the link to the Poundland christmas range...
Love that wrapping paper ChantelleJoy
Just bought one of those tins of sweets you have for Christmas,[half price lol] 4.99 [uk].:merrychristmas::snowman:


text:
As a nation of dog lovers, many people take their dog with them everywhere, writes Sophie Marriott of canine behaviour consultancy Endless Pawsibilities.
This includes travelling in the car. With increased reports of incidents where dogs are dying in hot cars, we ask would you ever leave your pet in the car unattended?
Earlier this month, a dog was found alone in a locked car at Bluewater. It was believed to have been there for around two hours before help arrived.
The police were called and owners located and fortunately the dog was fine.
It can only take 15 minutes for a dog to die in a hot car, regardless.
The RSPCA says that when it is 22 degrees outside, inside a car can reach 47 within an hour.
Under the Animal Welfare Act 2006, it is an offence to cause pain and suffering to an animal.
We want to hear your dog-related questions or problems, e-mail email@example.com and we'll see if Sophie can help.
For puppy training classes or if you would like to enquire about booking a private consultation with Sophie go to endlesspawsibilities.co.uk
- Got damp in your home? These 6 tips might help you tackle it
- 12 great gift ideas for animal lovers this Christmas from London Zoo
- IN PICTURES: Christmas time, kids get set to whine – these will be the top toys this year
- Expert colour psychologist reveals how to dress yourself happy this winter
- 6 interior design trends you'll want to follow in 2016 – south London masterclass promises more inspiration


text:
2015 WebEOC Mid-Atlantic Users' Symposium
The National Capital Region WebEOC Users Group
Thursday, June 18, 2015 from 4:00 PM to 10:00 PM (EDT)
Event Details
Tuesday, October 20, 2015
Registration/Networking begins at 9:00 a.m. (Coffee, Tea, Pastries & fruit available)
Program begins promptly at 10:00 a.m.
Lunch at 12 p.m. (Compliments of the NCR WebEOC Users' Group)
Free Registration and Free Parking
* * *
The National Capital Region WebEOC Users' Group will be hosting the fourth annual WebEOC Symposium. Please block off your calendar for this event and look for the registration notice in late July/early August!
The group is planning a day filled with information, ideas and collaboration. We continue to strive for you to have at least one "Ah-Ha" moment for the event. Participants should expect to meet, shareboard and learn unique ways WebEOC is being used from colleagues around the region.
* * *
This year's event will be held at the Hyatt Fairfax at Fair Lakes, Fairfax, VA.
When & Where
Hyatt Fairfax at Fair Lakes
12777 Fair Lakes Circle
Thursday, June 18, 2015 from 4:00 PM to 10:00 PM (EDT)
Add to my calendar
The National Capital Region WebEOC Users Group
If you have any questions, please contact:
Christine M. Williams
NCR Symposium Chair


text:
The Ever-Amazing Reb Elimelech (Part XV)
Reb Leibush from Shinlavzi had arrived late that night. As it was the dead of winter and it was still snowing heavily, he decided that he would not leave the toasty inn that he had checked into until the next morning, at which time he would greet Reb Elimelech.
However, once they discovered Reb Leibush, they beckoned him to appear before the rebbe without delay. He did as he was instructed and handed Reb Elimelech all of the money that was deposited with him to deliver to Lizhensk. Since the money was for Reb Elimelech to administer, the rebbe deemed the sum his responsibility once it entered the town's confines. Accordingly, he was unable to fall asleep until each coin was distributed.
(To be continued)
Chodesh tov – have a pleasant month!
Those interested in screening Rabbi Teller's acclaimed documentary, "Reb Elimelech and the Chassidic Legacy of Brotherhood," should e-mail firstname.lastname@example.com Hanoch Teller
About the Author:
If you don't see your comment after publishing it, refresh the page.
Our comments section is intended for meaningful responses and debates in a civilized manner. We ask that you respect the fact that we are a religious Jewish website and avoid inappropriate language at all cost.
If you promote any foreign religions, gods or messiahs, lies about Israel, anti-Semitism, or advocate violence (except against terrorists), your permission to comment may be revoked.


text:
Skip navigation
Main Menu
Utility menu
Stay Connected
Privacy Policy
FTC en español
Search form
Main Menu
About the FTC
What We Do
Enforcement Authority
Our History
FTC Moments
FTC@100 Fireside Chat
Our Seal
Centennial Dinner & Symposium
Presidential Visit
Edith Ramirez
Maureen K. Ohlhausen
Terrell McSweeny
Bureaus & Offices
Bureau of Competition
Bureau of Consumer Protection
Bureau of Economics
Office of Congressional Relations
Office of Equal Employment Opportunity
Office of International Affairs
Office of the Executive Director
Office of the General Counsel
Office of Policy Planning
Regional Offices
Office of Administrative Law Judges
Office of Public Affairs
Office of the Secretary
Bureau and Office Directors
Chief Technologist
Inspector General
Former Commissioners
Former Bureau and Office Directors
Financial Documents
Other Financial Information
Office of Inspector General
FTC Imposter Scams
What You Need to Know About the Office of the Inspector General
The Inspector General
Reporting Fraud, Waste, Abuse or Mismanagement
Whistleblower Protection
OIG Audits and Evaluations
OIG Investigations
OIG Reading Room
Notice Concerning Nondisclosure Policies, Forms, or Agreements
Contact the OIG
About the Privacy Act
FOIA Reading Rooms
FOIA Request
Fee Regulations
Freedom of Information Act Contacts
Frequently Asked Questions (FAQ)
Table of Contents
Careers at the FTC
Work at the FTC
Life at the FTC
Benefits at the FTC
Diversity at the FTC
Apply to the FTC
News & Events
Press Releases
Commission Actions
Media Resources
Consumer Finance
Mergers and Competition
Mobile Technology
The Do Not Call Registry
Tools for Consumers
Truth In Advertising
Protecting Consumer Privacy
Identity Theft and Data Security
Military Consumer Protection
Events Calendar
All Events
Weekly Calendar
Weekly Calendar Archive
Featured Videos
FTC Events
For Consumers
For Business
En Español
Social Media
FTC Twitter Chats
General Social Media Chats
Tweeting FTC Events
Competition Matters
Comment Policy
Robocalls: Humanity Strikes Back
Zapping Rachel
Cases and Proceedings
Case Document Search
Commission Decision Volumes
Letters and Statements
Petitions to Quash
Banned Mortgage Relief and Debt Relief Companies and People
Adjudicative Proceedings
Banned Debt Collectors
Premerger Notification Program
Statute, Rules and Formal Interpretations
Form and Instructions
Informal Interpretations
Early Termination Notices
Current Thresholds
Filing Fee Information
Post-Consummation Filings (HSR Violations)
Medicare Act Filings
HSR Resources
Contact Information
First Time Filer?
Merger Review
Anticompetitive Practices
Rules and Guides
Retrospective Review of FTC Rules and Guides
Consumer Sentinel Network
Data Contributors
Criminal Liaison Unit
CLU Awards
Contact CLU
Amicus Briefs
Advocacy Filings
Other Applications, Petitions, and Requests
Merits Briefs
Advisory Opinions
Cooperation Agreements
Federal Register Notices
Policy Reports
US Submissions to OECD and Other International Competition Fora
Litigation Status Report
Magnuson-Moss Warranty Public Audit Filings
Rotational Health Warnings
Webb-Pomerene Act Filings
Remedy Study
Public Comments
Advanced Comment Search
Policy Statements
International Competition
International Consumer Protection
International Technical Assistance Program
International Cooperation Agreements
Competition & Consumer Protection Authorities Worldwide
International Fellows Program
FTC International Monthly
Tips & Advice
For Consumers
Business Center
Advertising & Marketing
Credit & Finance
Privacy & Security
Selected Industries
Legal Resources
Business Blog
Competition Guidance
BC Production Guide
I Would Like To...
Submit a Consumer Complaint to the FTC
Apply for a Refund in an FTC Case
Report Identity Theft
List a Number on the National Do Not Call Registry
Get a Free Copy of My Credit Report
File a Comment
Open for Comment
Report An Antitrust Violation
File Documents in Adjudicative Proceedings
You are here
Tag: Consumer Protection
Tag: Consumer Protection
Tag: Consumer Protection
Tag: Consumer Protection
Displaying 161 - 180 of 2246 results.
« first
‹ previous
next ›
last »
Filtering by content type: Press Release
FTC Reports on Fighting Fraud in African American and Latino Communities
The Federal Trade Commission today issued a report to Congress describing the agency's substantial work on fraud prevention, law enforcement, and consumer outreach and education in African American and Latino communities, and outlining a strategy to build on this prior work.
FTC, Florida Attorney General Take Action Against Illegal Robocall Operation
The Federal Trade Commission and the Office of the Florida Attorney General have charged a web of related defendants based in Orlando with bombarding consumers with illegal robocalls in an attempt to sell them bogus credit-card interest rate reduction and debt relief services. In all, the...
FTC Sending Refund Checks Totaling More Than $9 Million to Consumers Who Bought Pure Health or Genesis Today Green Coffee Weight-Loss Supplements
The Federal Trade Commission is mailing 191,748 refund checks totaling $9,190,842.68 to consumers who bought Pure Health or Genesis Today green coffee bean extract weight-loss supplements. Consumers who purchased the products online will receive a full refund, with the average check totaling $47....
FTC Settlement Bans Telemarketer from Claiming Sales Help Disabled Persons
Adli Dasuqi and his companies, American Handicapped Inc. and American Handicapped and Disadvantaged Workers Inc., have agreed to settle Federal Trade Commission charges that they tricked consumers into buying household products on the false pretext that the proceeds would go to help disabled...
How To Participate in FTC's Fintech Forum On Marketplace Lending
The Federal Trade Commission's Fintech Forum on marketplace lending is being held tomorrow, June 9, 2016, from 9:30 a.m. to 12:30 p.m. FTC Chairwoman Edith Ramirez will provide opening remarks. The event will feature panels panel exploring the current state of marketplace lending and its...
Electronic Health Records Company Settles FTC Charges It Deceived Consumers About Privacy of Doctor Reviews
Practice Fusion, a cloud-based electronic health record company, has agreed to settle Federal Trade Commission charges it misled consumers by soliciting reviews for their doctors, without disclosing adequately that these reviews would be publicly posted on the Internet resulting in the public...
FTC Charges Marketers Used Massive Spam Campaign To Pitch Bogus Weight-Loss Products
The Federal Trade Commission charged a Florida-based affiliate marketing operation with bombarding consumers with illegal spam e-mail in an attempt to sell them bogus weight-loss products using false celebrity endorsements.
FTC Staff Provides Annual Financial Acts Enforcement Report to Consumer Financial Protection Bureau
The staff of the Federal Trade Commission has provided its 2015 Annual Financial Acts Enforcement Report to the Consumer Financial Protection Bureau on enforcement and related activities regarding Regulation Z (Truth in Lending Act), Regulation M (Consumer Leasing Act), and Regulation E (...
FTC Charges Gold, Silver Investment Scheme with Fraud
The Federal Trade Commission charged a nationally advertised gold and silver marketing operation with bilking millions from consumers. The FTC seeks to recover money from the defendants to return to their customers, many of whom allegedly lost thousands of dollars to the scheme.
FTC Staff Provides Response to NTIA Request for Comment on Internet of Things
Federal Trade Commission staff filed a comment today with the Department of Commerce's National Telecommunications and Information Administration (NTIA) regarding the agency's request for comment on the benefits, challenges and role of government in fostering innovation for the rapidly growing...
New FTC Resources Warn Consumers About Imposter Scams
If you have a computer or a phone, you've probably been targeted by a scammer pretending to be someone they're not: maybe the IRS, another government official, a family member or friend, or a tech company. These imposters come in many varieties, but work the same way: the person pretending to be...
Nuevos recursos de la FTC advierten a los consumidores sobre las estafas de impostores
Si tiene una computadora o un teléfono, es posible que haya sido el blanco de un estafador que se hace pasar por alguien que no es, quizás por un funcionario del IRS o de otra agencia del gobierno, un familiar o amigo, o una compañía de tecnología. Estos impostores se presentan en distintas...
Ruling in Favor of Federal Trade Commission, Jury Finds Utah Operation Responsible for Making More Than 117 Million Illegal Telemarketing Calls to Consumers
A federal court jury in Utah delivered a verdict in favor of the Federal Trade Commission against three Utah-based firms and their owner, finding that they engaged in deceptive and unlawful telemarketing campaigns pitching movies, including making more than 117 million illegal calls to consumers,...
FTC Extends Comment Period for Public Input in Review of R-Value Rule
The Federal Trade Commission has extended the deadline for submitting public comments on the R-value Rule. The FTC is seeking input on the efficiency, costs, benefits, and impact of the Rule as part of its systematic review of all current FTC rules and guides.
Federal Trade Commission Announces Agenda for June 15 Start With Security Event in Chicago
Industry experts will share their tips and insights on how companies can make security a central part of their business at the Federal Trade Commission's Start with Security event taking place on June 15 in Chicago. FTC Commissioner Maureen Ohlhausen will give opening remarks at the event, which...
FTC Staff Provides Comment on FCC's Proposed Privacy Rulemaking
The staff of the Federal Trade Commission's Bureau of Consumer Protection filed a comment today with the Federal Communications Commission regarding the FCC's proposed privacy rulemaking for broadband internet access service providers.
FTC Seeks Public Input On Proposed Changes to the Fuel Economy Guide
The Federal Trade Commission is seeking public comment on proposed changes to the Fuel Economy Guide. Adopted in 1975, the Guide (formally, the "Guide Concerning Fuel Economy Advertising for New Automobiles"), helps advertisers avoid making unfair and deceptive claims.
FTC Announces Agenda for June 9 FinTech Forum On Marketplace Lending
Technology experts, consumer advocates, and industry and government representatives will be part of the Federal Trade Commission's first FinTech Forum event examining marketplace lending and its impact on consumers, taking place June 9. FTC Chairwoman Edith Ramirez will give opening remarks at the...
La FTC adopta enérgicas medidas contra esquemas de alivio de deudas dirigidos contra deudores de préstamos estudiantiles e hipotecas
La Comisión Federal de Comercio (FTC, por su sigla en inglés) y el Estado de Florida han tomado acciones contra dos operaciones acusadas de promocionar falsos servicios de alivio de deudas para préstamos estudiantiles, y los demandados en una medida similar de la FTC que se realizó a principios de...
FTC Cracks Down on Debt Relief Schemes Targeting Student Loan and Mortgage Borrowers
The Federal Trade Commission and the State of Florida have taken action against two operations charged with running phony student loan debt relief schemes, and defendants in a similar FTC action brought earlier this year have agreed to a ban on participating in any debt relief business, as part of...
« first
‹ previous
next ›
last »
Utility menu
Stay Connected
Privacy Policy
FTC en español
About the FTC
What We Do
Our History
Bureaus & Offices
Office of Inspector General
Careers at the FTC
News & Events
Press Releases
Commission Actions
Media Resources
Events Calendar
Social Media
Cases and Proceedings
Premerger Notification Program
Merger Review
Anticompetitive Practices
Consumer Sentinel Network
Criminal Liaison Unit
Advisory Opinions
Cooperation Agreements
Federal Register Notices
Public Comments
Policy Statements
Tips & Advice
For Consumers
Business Center
Competition Guidance
I Would Like To...
Submit a Consumer Complaint to the FTC
Apply for a Refund in an FTC Case
Report Identity Theft
List a Number on the National Do Not Call Registry
Get a Free Copy of My Credit Report
File a Comment
Report An Antitrust Violation
File Documents in Adjudicative Proceedings
Site Information
Privacy Policy
Website Policy
No FEAR Act
Digital Government Strategy
Open Government
Federal Trade Commission
600 Pennsylvania Avenue, NW
Washington, DC 20580
Contact Us
Stay Connected
Stay Connected with the FTC


text:
IF only it could happen here. Every day, we look across the Atlantic at George Bush's $1.6 trillion tax cut and our minds boggle with envy. Derided during the election campaign, the plan is now a near-certainty.
In Britain, by contrast, all the political parties merely toss us a few scraps. The economic news is the best for a generation. Money is pouring into the Treasury. Unemployment is within a whisker of one million for the first time for 26 years and inflation is at its lowest level since 1976. And yet all we are offered in return for our hard work is a tax credit here and a meagre fiddle there, carefully aimed at key interest groups.
I turned up the volume when Michael Portillo came on the radio the other morning, hoping he might send just a little something my way. But sadly not: it was pensioners again, this time a complex plan to increase personal allowances for the 65- to 75-year-old age group by £2,000, making some people "up to £8.50 a week better off". That is good news for them. But I am not a pensioner. And so far, the working bachelors tax credit is not getting much support.
President Bush is preparing to give people their money back - across the board - and it is going down a treat. His former critics, whether they be the Democrats or Alan Greenspan, chairman of the US Federal Reserve, are lining up to give their support.
The liberation of the American taxpayer is beginning. The top income tax rate will drop from 39.6 per cent to 33 per cent, the bottom rate from 15 per cent to 10 per cent, and inheritance tax will be phased out. More than six million families will be taken out of the income tax system altogether. The plan will be backdated to the beginning of this financial year. The average family with two children will be $1,600 better off over the next 10 years.
There will be knock-on effects we can only guess at. Private spending is more efficient than government spending, and higher disposable incomes will pump demand. Tax cuts will cheer everyone up, improving incentives and boosting productivity. Economic growth will therefore be faster than it otherwise would have been. The entire country will become richer, well beyond the basic $1,600 per household.
Initially, this knock-on effect will be almost imperceptible. But over time, it will accumulate. Economist David Smith, of stockbrokers Williams de Broe, has done some calculations: if government spending had remained at the same level as it was in 1960 - about 30 per cent of GDP as opposed to about 40 per cent today - the economy would be half as big again as it is now.
In the long run, it is not only the rich who benefit from tax cuts. Mr Bush says tax is "a tollgate to the middle class". He cites the example of a waitress struggling to get by, who does some overtime and trips into a higher tax band, and is thus punished for her hard work. "Our tax code must reward the dreams of a better life," he says.
Mr Bush's plan is almost universally popular. So how come nobody is copying him over here? One reason is simply the sums. The booming US economy during the 1990s has filled the federal government's coffers. At the same time, President Clinton's public spending instincts were restrained by a Republican Congress. The result is a huge surplus. The forecasters reckon this could add up to a total of $5.6 trillion by 2010, paying off the entire national debt. Mr Bush's $1.6 trillion figure is spread over the same 10 years, so all he is doing is spending some of that surplus.
Gordon Brown's surplus is much smaller. Unpick his incomprehensible figures and he will be about £15 billion in the black this tax year, but he will be borrowing again in three years' time (which is why the European Commission was giving him stick this week). Far from restraining public spending, he is on a spree. Currently, he is working his way through more than £1 billion a day and, assuming Labour wins the next election, he will be spending more than £480 billion by the end of its second term.
Mr Brown believes in using the tax code to increase his control over society. If you belong to one of the seven million families struggling with a 40-page form for one of his tax credits (including a bizarre question asking pensioners if they are pregnant), or you are tearing your hair out trying to calculate your capital gains tax, this will come as no surprise.
But what is alarming is that, far from opposing him, the Tories have decided to join in. Now they, too, believe in taxing, spending and using the Inland Revenue as an arm of the benefits office. If elected, they would give the taxpayer the equivalent of a long weekend off, spending just £8 billion less than Mr Brown. But not everyone will benefit. William Hague and Mr Portillo have decided to emulate not George W. Bush, but Gordon J. Brown, and deliver a series of "targeted tax cuts", with the intention of courting "switch voters".
The Tories have tied themselves to the runaway train of Mr Brown's spending promises. The only way they could credibly say they were going to cut taxes would be to copy the Americans and bring public spending under control. But they do not dare. It would mean proposing the equivalent of Newt Gingrich's 1994 welfare reform bill, which limited any claimant to five years of payouts in a lifetime. It would mean a second privatisation programme, selling off the Post Office, the BBC and Channel 4. And it would mean the radical reform of public services, copying good ideas from round the world, whether it be the role of charities in America or private healthcare in France.
Sadly, this does not seem likely, and we will all be poorer as a result. Perhaps rightly, the Tories believe such a gun-slinging programme would frighten the natives in Britain. The triumph of Mr Brown's political will over his rivals is therefore complete.
But this may be only a temporary victory. Taxpayers, especially those who work, are feeling the pain of the Brownian system and, at the same time, can see for themselves that services are declining. In any other sector where cost went up and quality down, there would be a customer revolt, and government is unlikely to be an exception. Mr Bush is setting a brave example. With a little bit of imagination, we, too, could have a tax system that "rewards the dream of a better life".


text:
Related Products:
Only 261 coins have been graded as Mint State-70 Early Releases! The special burnished coins were struck on special burnished blanks and were treated to give them a distinct look that is different from regular business strike coins.
Learn about Gold value and see the latest Gold price online at APMEX.com. Have questions about how to buy Gold coins or about Gold investments? Speak with an Account Manager toll-free or click on the "Live Chat" button.
Not yet rated. Be the first to Write a Review
We provide all of our customers with a refund, return and / or exchange on everything we sell including all bullion and certified coins. If for any reason, you have a problem, please feel free to call us. We will always do our best to accommodate you.


text:
$ 1.50
China Rose is a muted, purplish rose which is reminiscent of the clothing and ornaments of the Chinese nobility. Opulent, traditional, subdued.
While it is non-toxic, the color is not cosmetic grade and so should not be used in personal care products.
Our color concentrates are water-soluble pigments or dyes suspended in vegetable glycerine. 1 fl.oz. of should color about 20 pounds of soap to a medium shade.
The following reviews are from our old website, and predate 2015. Items were ranked from 1 - 5.


text:
bookmark + share
Order Terbinafine cheap
Our Wedding
October 6, 2016
Newlyweds for 108 days!
Ensures Discount Prices on TERBINAFINE Online. Excellent Quality TERBINAFINE !
PURCHASE TERBINAFINE 250 mg ONLINE
Men and women with pattern baldness should not worry since this very seldom has anything to do with any type of health problem. Terbinafine According to the CDC, lamisil strengthening exercises and stretching exercises. buying terbinafine from canada online cheapest terbinafine for sale the Australian variety Mortlook and the Austrlian Lampton variety. look for small doses around 1mg to start) we know he is on the money. while other patients would need more treatments. One outbreak of relatively few cases occurred in the 1980s when flesh eating Strep A infections began to appear. though like me I'd hardly call it wiser) long term and freeze?thaw stability were carried out. Some other natural methods likewise include the use of chondroitin and MSM in conjunction with the glucosamine. Now armed with the necessary information consult your doctor today. terbinafine Hepatoprotective activity of Beta vulgaris against CCl4-
cheap brand name terbinafine, can buy terbinafine over counter uk, terbinafine for sale for cheap, buy terbinafine lancashire, where to buy terbinafine over the counter uk, terbinafine where to buy online no prescription, ordering terbinafine uk, buy terbinafine online legal in australia, terbinafine calgary buy, where to buy terbinafine at manila, how to order terbinafine online from canada, how to buy terbinafine from canada no prescription, best place buy terbinafine generics, terbinafine generic purchase online, terbinafine wants cheapest price, terbinafine buy from canada, terbinafine buy Lexington, terbinafine buy without rx, buy terbinafine tablet 250mg, buying lamisil from india, ordering terbinafine drug, buy terbinafine United Kingdom online, terbinafine can i buy online, cheaper version of terbinafine, safe online lamisil orders, buy cheap terbinafine professional, cheap terbinafine with terbinafine high, cheapest place buy terbinafine online, purchase terbinafine florida, terbinafine where can i purchase, buy fda lamisil com, terbinafine alternative buy, buy terbinafine with no prescription uk, terbinafine precise buy, pink terbinafine to buy, buy online terbinafine no prescription, buy 250mg terbinafine, buy terbinafine cheap no prescription, can u buy terbinafine nz, terbinafine purchased uk, how to buy terbinafine online with no prescription needed, buying terbinafine jellies, buy terbinafine uses, terbinafine where to buy no prescription, terbinafine buy london, terbinafine lingual buy, buying terbinafine leeds, buy terbinafine new york city, buy canadian terbinafine online, cheap terbinafine top sites, can you buy terbinafine over the counter in america, buy terbinafine safety, terbinafine buy yahoo answers, how to buy terbinafine online reviews, anyone buy terbinafine online usa, terbinafine tablets 250mg buy, korea terbinafine buy, can you buy terbinafine with terbinafine over the counter in the united states, buy terbinafine at cvs, buy terbinafine pill online, terbinafine buyers uk, terbinafine two tablets buy, terbinafine shipping 2015 uk, terbinafine forums buying online, cheap terbinafine for daily, online purchase of terbinafine, cheapest generic terbinafine no prescription, buy terbinafine 250 mg tablets picture, ordering terbinafine online canada, terbinafine purchase by paypal, uk terbinafine buy, purchase terbinafine usa, best site to buy generic terbinafine, terbinafine 250mg how to buy it online, terbinafine cheap terbinafine review, purchase terbinafine melbourne, can buy terbinafine cvs, cheapest expensive terbinafine online
learn more


text:
My Lottery Players Club
Contact us
News Releases
Fast Facts
Media Center
Logos and Artwork
Reel Lottery Videos
Where the $ Goes
Where the $ Goes
County:Education Expenditures
County:Education, Retailers & Players
Elementary & Secondary Education
Higher Education
Finance Reports
Current Promotions
Winner List
Claim Prizes
Claim Prizes
If You Win a Jackpot
Winning Ticket Tips
Group Play Tips
Unclaimed Prizes
Winning Numbers
Mega Millions
Show Me Cash
Pick 4
Pick 3
Club Keno
Prizes Paid
Lucky for Life
Check My Tickets
Mega Millions
Show Me Cash
Pick 4
Pick 3
Club Keno
Lucky for Life
My Lottery
My Lottery Home
Points For Prizes®
Points For Drawings™
Promotion History
Enter Tickets
2011-09-29 11:08:33.693
Doniphan Man Wins $18,000 Playing Pick 4
Thomas Fite of Doniphan likes the Missouri Lottery.
"I love it," said Fite. "I've been playing ever since they started. I play every game you've got. Missouri has one of the better Lotteries."
He may play all of the games, but he's especially fond of Pick 3 and Pick 4. He buys several tickets for every drawing, and ended up with three winning tickets for the Sept. 24 evening Pick 4 drawing. He matched the winning combination of 1-7-3-2 straight, winning $6,000 on each ticket for a total of $18,000. He claimed his prizes on Sept. 27 at Lottery headquarters in Jefferson City.
Fite knew he was a winner after getting the winning numbers text alert on his cell phone, but he didn't get too excited. He enjoys frequent wins in the games.
"I'm small time," Fite explained. "I knew I won, but it didn't sink in how much. You see, I'm not used to playing straight."
Fite and his wife, Kelly, have several different combinations that they play on a regular basis. When one of their numbers comes in, they could win $50 or $350 playing straight/box on Pick 3, or larger amounts, such as $3,125, playing Pick 4. He didn't always play straight on Pick 4, until his son talked him into giving it a try.
"He played straight all the time, and he got me convinced to try it. He told me, 'Well, you win more money if you do that.' I hate to play straight, because if it isn't perfect, you don't win anything," said Fite. "That's why I like straight/box."
Fite was overjoyed with the outcome. He noticed some numbers were coming up frequently and put them together for the winning combination. Fite almost chose a different arrangement.
"Actually, I almost played it 7-1-3-2. Thank God I didn't," he said resolutely.
Fite, 65, said the money would be spent on his 16 grandchildren and three great-grandchildren. He'll put some back for his wife and family, and he said he would use some for an adventure.
"Next spring, I'm driving to Alaska. I've wanted to do that all my life – the Alcan highway," he said.
You can be sure that he'll continue to play the Lottery. Fite said he hated to miss a drawing.
"If I don't buy the tickets, I'm a nervous wreck," he admitted. "Of course, I give my wife half of everything I win, so I've got to win a bunch to break even."
Fite purchased his winning tickets at Price Cutter Supermarket, 5504 N. 17th St., in Ozark.
Pick 4
is a twice-daily Draw Game. Players choose any combination of four numbers between zero and nine, select a play type and win prizes based on the outcome. A prize chart outlining the various options is available at Molottery.com. Drawings are conducted at 12:45 p.m. and 9 p.m.
Pick 3 and Pick 4 players will have more chances to win in October. A promotion called "Second Shot" will feature bonus drawings and prizes.
About Us
Play Responsibly
Where to Play
Game Rules
Follow Us On
RSS Feed
Privacy Policy
Terms & Conditions
State of Missouri
Spanish Translation
Players must be 18 years or older to purchase Missouri Lottery tickets.


text:
Description of this paper
Cedars Hospital has average revenue of $180 per patient day.
Question;Break-even and other CVP relationshipsCedars Hospital has average revenue of $180 per patient day. Variable costs are $45 per patient day, fixed costs total $4,320,000 per year.a. How many patient days does the hospital need to break even?b. What level of revenue is needed to earn a target income of $540,000?c. If variable costs drop to $36 per patient day, what increase in fixed costs can be tolerated without changing the break-even point as determined in part (a)?
Paper#44043 | Written in 18-Jul-2015Price : $22


text:
The Christi Crux Vocal Ensemble of Concordia University in Portland, Ore. will present a free concert at 7 p.m. tonight at Our Savior Lutheran Church in Livermore.
This vocal chamber-ensemble makes approximately 30 musical presentations each year in various churches in the Pacific Northwest and on the Concordia campus with the concert choir. Repertoire for the ensemble includes a wide variety of music written for vocal chamber ensembles.
The Livermore church is located at 1385 South Livermore Ave., just south of the Livermore Public Library and Civic Center.
This story contains 113 words.
If you are a paid subscriber, check to make sure you have logged in. Otherwise our system cannot recognize you as having full free access to our site.
If you are a paid print subscriber and haven't yet set up an online account, click here to get your online account activated.


text:
ERwin Modeling
Solution Brief (PDF)
ERwin Data Modeling provides a collaborative data modeling environment to manage enterprise data through an intuitive, graphical interface. With a centralised view of key data definitions, you can have a better understanding of corporate data, managed in a more efficient and cost-effective way.
ERwin Video Overview
ERwin Data Modeler Standard Edition (SE) is an industry-leading data modeling solution that provides a powerful way to visualise data from multiple sources across the organisation, increasing efficiency through reuse and standards, while at the same time increasing data quality and providing a unified view of strategic data assets.
ERwin Data Modeler Standard Edition Data Sheet (PDF)
ERwin Data Modeler helps organisations manage their complex
data infrastructure with the following key features:
Visualisation of Complex Data Structures: Data models can be
automatically generated, providing a simple, graphical display
to visualise complex database structures.
Database Design Generation: Create database designs directly
from visual models, to help increase efficiency and reduce
Standards Definition: Reusable standards such as model
templates, domains, naming standards and datatype standards help
increase quality and efficiency.
Model & Database Comparison: The Complete Compare facility
automates bidirectional synchronisation of models, scripts and
databases, compares one item with the other, displays any
differences and permits selective updates, generating ALTER
scripts when necessary.
Reporting & Publication: The Report Designer's intuitive point-and-click interface can create PDF, HTML and text-based reports for both diagrams and metadata.
Integration & Metadata Exchange with Other Tools: Integrate
ERwin models with other projects and tools with import or export
from a wide variety of sources, including BI tools, MDM hubs,
other data modeling tools, Extract, Transform, Load (ETL) tools
and Unified Modeling Language (UML) tools.
And More: Read the full Data Sheet (PDF) for a more detailed
list of features.
ERwin Data Modeler Standard Edition runs in the following
ERwin Data Modeler Standard Edition supports the following
database environments:
ERwin Data Modeler Workgroup Edition is designed for collaborative modeling for teams of data modelers. It provides conflict resolution, versioning, security and standardisation for multi-user modeling. Through a central model repository, model assets can be inventoried and re-used across the organisation.
CA ERwin Data Modeler Workgroup Edition Data Sheet (PDF)
CA ERwin Data Modeler Workgroup Edition Performance Metrics
ERwin Data Modeler Navigator Edition provides read-only access to ERwin data models and modeling metadata. It provides discovery, visualisation and analysis capabilities for those in the organisation who need to view and evaluate modeling information, but not create or edit models.
CA ERwin Data Modeler Navigator Edition Data Sheet (PDF)
ERwin Data Modeler Community Edition (CE) It is a great way for students and those new to modeling to get started with an industry-leading data modeling tool. It offers many of the core features of data modeling with a limit of 25 model objects.
CA ERwin Data Modeler Community Edition Data Sheet (PDF)
CA ERwin
Data Modeler Community Edition Feature Comparison Matrix (PDF)
ERwin Data Modeler for Microsoft SQL Azure is a single platform version of our flagship data modeling solution, ERwin Data Modeler. It can be used on its own to manage MS SQL Azure-only environments, or as an add-on to an existing edition of ERwin Data Modeler to provide a powerful way to visualise data from multiple sources across the organisation, whether on-premise or in the Cloud.
Platform Support
ERwin Data Modeler for Microsoft SQL Azure runs in the following environments:
The stand-alone version of ERwin Data Modeler for Microsoft SQL Azure supports the following database environments, in addition to MS SQL Azure, with a limit of 25 objects. Note that there is no limit to the number of objects managed for the MS SQL Azure platform.
If ERwin Data Modeler for Microsoft SQL Azure is purchased as an add-on to the ERwin Data Modeler Standard or Workgroup Edition, the following database platforms are available, with an unlimited number of objects, in addition to Microsoft SQL Azure.
ERwin Data Modeler for Microsoft SQL Azure Data Sheet (PDF)
Product name change from CA ERwin Saphir Option to ERwin
Safyr Option.
ERwin Safyr Option extracts metadata from a variety of ERP applications — including SAP R/3, SAP BW, Oracle PeopleSoft Enterprise, Oracle JD Edwards Enterprise One, Oracle Siebel and Oracle eBusiness Suite. It enables you to translate the often-challenging naming conventions these system use into more user-friendly values, allowing modelers to search, browse and subset this metadata prior to creating ERwin data models.
ERwin Safyr
Data Sheet (PDF)
The ERwin Web Portal provides a simple, customisable, web-based interface that allows both business and technical users across the organisation to easily visualise the important metadata information that is stored in ERwin Data Modeler and beyond. While only certain users will want to view or create data models, many more users need access to the information in those models, but would like this information presented in an intuitive and easily-accessible way. The ERwin Web Portal allows easy access to information via the web, with a variety of presentation and search formats to cater to a wide range of user types in the organisation. ERwin Web Portal is available in your choice of 3 editions (Standard, Enterprise and Data Governance) that build from a role based data modeling web portal to a full featured data governance solution.
ERwin Web
Portal Data Sheet (PDF)
International: call
+61 3 9580 1333, fax +61 3 9580 8995


text:
Now accepting applications for the 2017 year.
Fill out our simple request form to inquire about the university.
Get special priority by applying early for FAFSA financial aid: loans, grants and more
The women's and men's basketball games scheduled for Saturday, Jan. 14 against Lubbock Christian have been canceled due to weather. The make-up date for these games will be determined and announced at a later time.Read More


text:
-Acne breakouts to sterilization and disinfection acne medication!
"Eva use acne medication 20 g active ingredient ibuprofenpiconol (IPPN) with acne and pimples is a remedy.
Not only reduce the inflammation of acne, suppresses the formation of acne will cure from acne. Recently the increases after the age of 20, breakouts and acne problems as well as adolescents (teenagers).
You can clean a comfortable corner before vanishing cream smooth and not sticky, wash after a vegetable. After remains white, as does not stand out when they go out, etc.
|Content amount
20 g
Acne and pimples
|Ingredients and quantity
The white-yellowish cream agent, containing the following ingredients in 100 g
|Usage and capacity
One day SOAP a few times, after washing your face, to the affected area pimples please
|Precautions on use
|Storage and handling precautions
(1) keep the product away from in a cool place out of direct sunlight
|JAN code
|Original release
Our 13 health care co., Ltd. customer service Office
|Ads responsibility
Tagajo pharmacy co., Ltd.
Made in Japan-No. 2 pharmaceuticals
♦ This product is a drug. Defend your usage and capacity, please use it properly.
|JP Post EMS
|Your order will be shipped to you via Japan Post EMS. Japan Post is a speedy delivery service that delivers to more than 120 countries. With an effective tracking system and insurance program, EMS is able to offer a secure delivery worldwide. You can track your package with the tracking code provided and it will be delivered within a week. See estimated shipping fee
|Credit Card
|We accept credit and debit cards.
The following credit and debit cards can be used:
•American Express
|We accept PayPal. After receiving the order confirmation e-mail, please proceed with the PayPal payment.
*Please note that if payment through PayPal is not confirmed by the date indicated in the e-mail, your order will be automatically cancelled.
|The "Payment Amount" is calculated as below. "Payment Amount" = Product price total + shipping fee Upon confirming your order, we will send you a link to make a payment via Alipay's secure payment page. You must finish the payment process before the deadline to complete your order. Please check the payment process from the link here. PC: http://global.rakuten.com/en/help/payment/alipay_pc.html Smartphone/Tablet : http://global.rakuten.com/en/help/payment/alipay_mobile.html
Start Date:05/01/2017 00:00 JST
End Date:28/02/2017 23:59 JST
This product cannot be shipped to United States from the store.
Please contact the store for further information.


text:
The controversy surrounding Am Trust Financial Services (NASDAQ:AFSI) began on Dec 12 2013 when noted short-seller GeoInvesting questioned the insurer's accounting practices. The issue was greeted by an astute response from John Hempton, a well-known investor in banks and insurance companies, who dismissed the premise of GeoInvesting short attack as "amateurish". Counter-responses from GeoInvesting and management at AFSI further complicate the controversy. Since Dec 12, the stock of AFSI has fallen about 26%. Maiden Holdings (NASDAQ:MHLD) is a victim of collateral damage because of its reinsurance agreements with Am Trust. MHLD 3Q 10Q states that "Maiden Bermuda will continue to reinsure losses at its proportional 40% share per the Reinsurance Agreement". The chairman of the Board at MHLD, Barry Zyskind, is also the President, CEO and director at Am Trust.
Because the involved parties failed in varying extents to accurately address the points they seek to refute, the controversy is shrouded in confusion. The harsh, emotionally-charged tones also provided little help in clarifying the confusion. Fortunately, the resolution does not require one to be a professional actuary. This article seeks to clarify the arguments made by the involved parties and explain why AFSI, in all likelihood, is not perpetuating fraud.
Issue 1: AFSI hid losses in a Luxembourg company. Therefore its profits should be lower than what AFSI claims on its financial statements.
GeoInvesting - The sum of the parts, which make up net losses or loss adjusted expenses (net L/LAE), did not match the sum of the net L/LAE reported in the 10K. The difference was interpreted as hidden losses. The sum of the parts was derived from numbers in reports by AM Best and Technology Insurance Company. Here's where the interesting part comes in: the difference between the sum of the parts and the sum in the 10K was roughly equal to ceded losses to ACHL (a Luxembourg subsidiary of AFSI) reported by Technology Insurance Company. AFSI failed to report these ceded losses so as to increase its profits.
Mr Hempton - Ceded losses are not real losses. A ceded loss is part of a reinsurance agreement, in which a reinsurer shares premiums and losses with the insurer. Such losses are known as "ceded losses" to the reinsurer. In this context, the reinsurer is ACHL (the Luxembourg subsidiary of AFSI). Since ceded losses are not actual money-losing transactions, ceded losses should not reduce profits.
GeoInvesting's counter to Mr Hempton - The key in reinsurance is to share BOTH premiums and losses. But AFSI ceded ONLY losses, not premiums. Look at AII Bermuda 2010 financial statements (AII Bermuda is a subsidiary of AFSI) that showed AII Bermuda ceded losses to ACHL. Since losses were ceded without premiums, ACHL should report a loss under net L/LAE. This loss should be consolidated into AFSI, but it was accounted for under the equity method (or "partial consolidation") in 2010.
AFSI - There has never been an off balance sheet company which is used to hide losses. The reported loss ratios is the fully consolidated actual loss ratio. Moreover, operations at Luxembourg made up only 2.5% of net profits between 2009 and 2013.
(If you are still following the argument, give yourself a pat on the back)
My opinion - Consider the premise of GeoInvesting's counter to Mr Hempton. Notice that the argument subtly changed from hiding 100% of losses in the original GeoInvesting argument to hiding less than 100% of losses in the counter-argument. In other words, AFSI did recognize the losses, but the recognition was just not done properly. Also notice that GeoInvesting could only prove its counter-argument in 2010. This is because AII Bermuda has public statements only in 2010. Even if the losses were not properly recognized in 2010, one cannot conclude that the same situation happens today. Lastly, what if there are other ways to prove that losses are ceded to ACHL without using AII Bermuda? There is one other way - ceded losses to ACHL were reported by Technology Insurance Company (in the original GeoInvesting argument). But the ceded losses do not exactly match the difference in the numbers between the 10K and the sum of the parts, implying that an extent of accounting consolidation might have occurred. Can one confirm that consolidation did occur? The best answer is one does not know, but one cannot say that the ceded losses to ACHL were definitely unaccounted for.
Issue 2: AFSI bought Luxembourg captives to maintain profit growth and conceal losses.
GeoInvesting - AFSI spent $730 million to buy captives (they are really just reinsurance companies, but I use this term to be consistent with GeoInvesting's article) with only $688 million of equalization reserves. The statement appeared to imply that the transactions were suspect because AFSI did not seem to profit by paying above-reserve values. The shady nature of the transactions led GeoInvesting to conclude that "AFSI is not recognizing these intra-company losses correctly - most likely by mixing and matching Luxembourg GAAP and US GAAP. In the following section we will show that magnitude of losses (that ACHL is absorbing and clearly not disclosing) by ….. "
Mr Hempton - no opinions on this issue
GeoInvesting's counter to Mr Hempton - Geoinvesting appeared to allow this issue to slip (because Mr Hempton did not mention it?).
AFSI - The quotes are from the business update conference call hosted by AFSI on Dec 16 2013. "Captive reinsurance companies are common among large multinationals" that elect to reinsure their own insurance business. This is because "the insurance terms available in the open market are unattractive or because these companies believe they will capture additional profit by self-insuring". The captive reinsurance companies set up 2 types of reserves: "standard reserves for known liabilities", and "an equalization reserve to protect against insurance volatility". At some point, "the company accumulates more reserves that it needs to protect against [insurance] volatility, either because better pricing is available in the market or the losses have fun favorably for several years".
My opinion - Consider GeoInvesting's argument. How does the argument make the jump from purchase of captives to improper recognition of intra-company losses? The conclusion is definitely not properly supported by its premise. I also believe that AFSI gave a reasonable explanation for its purchase of captives. Favorable loss rates imply superior management of the reinsurance business, which justifies a higher price tag above book value (not reserve value). How the purchase of superior captives relate to concealing of losses is a point that was not made clear by GeoInvesting.
Issue 3: AFSI uses improper assumptions in its accounting of life settlement contracts. If correct assumptions are used, AFSI will face losses in the write-downs of the contracts.
I'll break this argument down into a few parts. Before we delve into this subject, it is essential to understand what life insurance is, what life settlement contracts are and what goes into valuing these contracts.
A (very) short primer on life insurance and life settlement contracts.
Life insurance in general refers to the practice of paying premiums regularly (or a lump sum) in exchange for a sum of money upon the death (or terminal illness) of the insured person. When does the purchase of life insurance make sense? Similar to all businesses, it makes sense only when you receive more than you pay out. Hence the sum of money received upon death or illness (for simplicity, I'll call this death benefit from here on) must be greater than the sum of premiums one pays.
Life settlement contracts are arrangements in which life insurances are sold to a third-party such as an investor. So when do investors buy life settlement contracts? Only when investors think that the life settlement contract will provide a death benefit from greater than the cost of the life settlement contract. When an investor buys a life settlement contract, the investor assumes the premium payments. You may think about this as the "reverse" of a bond (pay rather than receive coupons) which does not have a specified maturity date. To value a life settlement contract, investors need to understand two things:
One, how long will the insured person live. Call this life expectancy. The life expectancy determines the maturity date. The shorter the expected life expectancy, the sooner the investor receives the death benefit, the higher the value of the contract. Second, the time value of money measured by the discount rate. The lower the discount rate, the higher the value of money today.
Issue 3.1: Assumptions for life expectancy were too low, thereby over-valuing the life settlement contracts.
GeoInvesting - AFSI relied on internal estimates for life expectancies, which were revised downward, in contrast to the standard industry practice of using third-party estimates for life expectancies, where were revised upward.
Mr Hempton - Look at the profile of the insured people under the life settlement contracts. AFSI revised the assumption for life expectancy down from 139 months to 133 months (11.1 years). This was reasonable given that the average age of the insured was close to 80 years old, implying that the average insured would live to 91.1 years old (80+11.1), which seemed like a reasonable estimate. In addition, AFSI only has 277 policies, a sufficiently small scope for which AFSI can get accurate data.
GeoInvesting's counter to Mr Hempton - According to 21st Service in January 2013, which is claimed by GeoInvesting to be the most commonly used life expectancy provider, life expectancies should increase by 19%. GeoInvesting went to claim that AFSI should increase its assumptions for life expectancies by more than 19% because AFSI held premium-financed life settlement contracts that are often held by the wealthy (and longer-living) crowd.
My opinion - The industry has questioned the accuracy of life expectancy assumptions made by 21st service. Rigi Capital Partners is an outspoken critic. The company was founded by Dr Chandra Poojari, a former quant at Bluecrest Capital (a very successful hedge fund), and managed $8.9 billion in investments in life insurance policies. Rigi believed that "there is too little transparency regarding data or methodology in the announcement from 21st services", and that "21st services has used a lot of experience data to redefine its underwriting [while] institutional investors have some time ago already started using larger and more granular databases for their work". Moreover, 21st services made changes within a week of the release of its new life expectancy assumptions without releasing sufficient details to the change. The comments do not appear to support 21st services as a well-respected provider of life expectancy assumptions. Another manager of life policy-based investment funds, SL Investment Management ($840m AUM), remarked that "the shift in [21st services Life Expectancy] was well overdue", another indication that 21st services may not be the leader GeoInvesting claimed it to be.
More interestingly, SL also pointed out that "we have always taken the approach that replying on a single LE is inappropriate and as such we insist on multiple life expectancies for each policy prior to acquisition". This means that even if 21st services were to increase assumptions for life expectancies, AFSI may not need to revise its assumptions for all policies but do so on a case-by-case basis.
Lastly, even if AFSI were to get it all wrong (very unlikely), the life settlement contracts account for only 1.5% of total assets.
Issue 3.2: The discount rate that AFSI used was too low (7.5%) compared to the peer average of 20%. A low discount rate overvalued the life settlement contracts.
GeoInvesting - If the peer average was used, the life settlement contracts would be overvalued by $90-135m and wiped out roughly 13-19% of AFSI's tangible equity.
Mr Hempton - 7% (it's really 7.5%, Mr Hempton might have overlooked this detail) seemed reasonable when you consider the specifics of AFSI's life settlement contracts. AFSI's bet was "on 80 years olds dying pretty soon". With the insured person having a high risk of death, a low discount rates seemed appropriate.
GeoInvesting's counter to Mr Hempton - 7.5% was not reasonable because it was not a market-based measurement. Accounting rules demand a market-based discount rate that was closer to 20%. Moreover, EEA Life Settlement Fund was criticized by Ernst and Young for using a discount rate of 10%, which was "significantly lower than would be used by market participants in an arm's-length transaction".
My opinion - I think confusion exists in differentiating between discount rate and effective discount rate, which I think it's the "real" market-based discount rate used. AFSI attempted to clarify the difference in the latest conference call. The discount rate is used to discount future cash flows excluding reserves while the effective discount rate takes reserves into account. The inclusion of reserves seem counter-intuitive because reserves are not cash flows, but they should be included because they adjusts cash flows for risk.
For example, say cash flows in the next year is $100 and the discount rate is 10%. What if you are not confident that cash flows in the next year will be $100? You will establish a reserve, say $10, that reduces your cash flows to $90. The present value of $90 is $82 (=90/1.10), which gives an effective discount rate of 22% (=100/82 -1) when calculated with the original $100 cash flow. The effective discount rate (22%) is higher than the discount rate (10%) because the effective discount rate is derived from "risk-adjusted" cash flows, which are just cash flows with reserves subtracted. This makes intuitive sense because the higher the expected risk, the higher the reserves, and the lower the future cash flows.
The above example almost describes what AFSI does. The future cash flows of the life settlement contracts were estimated at $779 million, which is reduced by $281 million of reserves to yield $498 million. Applying a discount rate of 7.5% to $498 million yielded $227 million, which gave an effective discount rate of 14.2% when calculated with the original $779 million cash flows.
The effective (OTC:REAL) discount rate of 14.2% at AFSI compares very favorably to the EEA life settlement fund of 10%. AFSI has 272 policies relative to EEA's 660. The smaller scope should represent lower risk because AFSI is more likely than EEA to have sufficient data to evaluate all policies. Where EEA should have used a higher discount rate to reflect its higher risk, AFSI uses a higher discount rate even with lower risk. This is a clear indication of the conservative accounting practice at AFSI.
But a discount rate of 14.2% is still low compared to peers. This may reflect AFSI's specific focus on a group of older individuals that are likely to have lower life expectancies than the norm. The evaluation of the large group of companies that hold life settlement contracts is beyond the scope of this article, but my argument is already sufficient to prove that the discount rate does not imply fraudulent practice.
Lastly (again), even if AFSI were to get it all wrong (very unlikely), the life settlement contracts account for only 1.5% of total assets according to the figures stated in AFSI's latest conference call.
Issue 3.3: More than half of AFSI's life settlement contracts have Phoenix Life Insurance (PLI), which is facing bankruptcy, as the issuing carrier/counterparty.
GeoInvesting - Tiger Capital LLC, an AFSI subsidiary, said that it held 136 PLI life settlement contracts. However, AFSI disclosed that only 81 PLI life settlement contracts it held had no value. This implies that a minimum of 55 PLI contracts (=136-81) had no value. Marking these contracts to true market value will result in a significant impairment.
Mr Hempton - I agree that PLI is involved in the money-losing business of selling underpriced insurance policies, but PLI looks like it will survive. Regulators allowed PLI to pay almost $30 million in dividends to the parent company, which is publicly-listed Phoenix Cos (NYSE:PNX). This could not have happened if regulators had discomfort about valid policyholders being paid.
GeoInvesting's counter to Mr Hempton - The dividends were not paid by PLI, but by PLIC (Phoenix Life Insurance Company). Dividends paid by a sister company did not imply that PLI is financially-sound. To be precise, Tiger Capital held contracts issued by PHL variable, not PLI (note the change here). PHL variable is thinly-capitalized relative to the risks of its life insurance policies, and is likely to go bankrupt. AFSI will have to write down the policies issued by PHL variable sooner or later.
My opinion - Note that in GeoInvesting's original argument, there was no mention of the magnitude of the expected loss should contracts be written down. In the latest conference call, AFSI said that its net carrying exposure to Phoenix was approximately $20 million. Since AFSI has about $1.4 billion of equity with only $560 million of debt, the company, in all likelihood, should be able to weather a write-down of $20 million with ease.
Issue 4: A few executives in AFSI management team have sketchy histories.
GeoInvesting - Two executives, CFO Ronald Pipoly and COO Michael Saxon, were executives at Credit General, whose CEO Robert Lucia was charged with stealing $30 million from the company. Both were named as defendants in lawsuits brought by the Ohio Director of Insurance. Even Am Trust, which entered into a management agreement with Credit General in 2000, was also sued by the Ohio Director of Insurance.
Mr Hempton - No response to this issue.
My opinion - The Ohio Director of Insurance sued a total of nine officers and directors of Credit General for breaching their fiduciary duties, ultimately leading to the downfall of Credit General in 2001. After 13 years, none of the officers and directors (apart from the CEO) have been charged with any wrongdoing. To claim that the downfall of Credit General is a result of CFO Ronald Pipoly and COO Michael Saxon having shady characters is misleading.
Issue 5: The stock of AFSI is massively overvalued relative to its peers
GeoInvesting - AFSI traded at a price-to-book of 4.7x relative to its peer average of 1.2x. Even if the accounting issues were not present, the stock price should fall and trade closer to its peer average.
Mr Hempton - No response to this issue.
My opinion - This is perhaps the most absurd claim in the entire argument. A higher-than-average multiple can never be the only reason for the stock to fall. To be precise, a stock falls when the multiple is too high relative to its prospects for growth. Without discussing growth prospects in the context of the stock's multiple, one will never know whether the multiple is too high or too low. GeoInvesting never went into a discussion about the core businesses or their growth prospects at AFSI, which is in the business of insuring specialty risk and extended warranties, and small commercial business and reinsuring personal lines.
In addition to shedding light on the convoluted arguments, this article also hopes to remind readers that the founding shareholders of AFSI own approximately 58% of the outstanding shares of the company. The vote of confidence given by the two largest shareholders, Leah Karkunkel and George Karfunkel, who owned a combined 26% of AFSI is reflected by the purchase of approximately 1 million shares, equivalent to an increase of about 5% of their holdings. The explicit display of support should convince the shareholders of AFSI to align their confidence in the company with that displayed by the founding shareholders.
Disclosure: I am long MHLD, . I wrote this article myself, and it expresses my own opinions. I am not receiving compensation for it. I have no business relationship with any company whose stock is mentioned in this article.


text:
A WOULD-BE drug producer who hid 57 tablets in his undies when police searched his home faced Gympie Magistrates Court this week.
The 40 Codral night tablets and 17 cold and flu tablets were found when Callum Anthony Padaric Cook, 23, was strip searched in custody after two suspicious books and marijuana were found at his Victory Heights home in September.
Cook's lawyer said the books were rare Chemistry books from the 1930s, which had belonged to the man's grandmother who was a chemist.
The police prosecutor said processes used to produce dangerous drugs were highlighted in the books, and could be put into practice.
Magistrate M. Baldwin told Cook the charges were serious when he pleaded guilty to supplying dangerous drugs and substance possession.
She jailed Cook for three months, suspended for two years and ordered the books to be forfeited, despite Cook wanting the keepsakes to remain in the family.


text:
Archive of the old official Mutants & Masterminds boards. See http://roninarmy.com/
Perception check to spot disguise:1d20+8=20
OOC wrote:So, just to confirm, what was the final ruling on whether or not we are starting with normal Hero Points? I wasn't sure whether I should bump the count up to 1 at the beginning of the new scene...
OOC wrote:Since Kevin wrote a meetup into our plans, I'll assume for speed of play that we agreed upon a place. A business that is, well, out of business seems like a place that would be easy to take advantage of for a quick meetup. We can presume that Eidolon told everyone - including Hound's sociopath - about the location.
Perception: 1d20+12=29
Technology: 1d20+19=20. Note that 3e doesn't have critical failure for skills so that natural 1 shouldn't be a problem. If it is, then he has Second Chance for that skill.
Rolls here.
Kevin wrote:Players have the thread ...
OOC wrote:Tyrannosaur should probably still be with the group despite the fact that BS Digital Q has clearly abandoned us due to RL obligations. If need be, Kevin can deal with him later.
OOC wrote:As indicated before, Eidolon's nanotech is going to try turning off their external sensors (like any tremor senses), deleting their facial recognition program, sending Eidolon a diagnostic report on their security systems, and letting him know where the anti-teleportation device is. When Essence starts her summoning, Eidolon's men waiting with the trucks (at the film studio headquarters) will be able to witness it all and notify him through their commlinks.
When that happens, Eidolon's nanotech will then remove all log-in rights for everyone on the network, change their security passwords, and generally ensure that no one inside or out can access the network of the Fed's security systems. The nanotech will throttle the communication from the building to the outside so that no panic buttons go off, no phone lines work, and no internet connection can get out.
Vines to ensnare anyone inside on the floor I'm currently on. Treating them as minions, they would all now be Defenseless and Immobilized.
The Vault is a level down ...
Users browsing this forum: Google [Bot] and 1 guest


text:
Today's Love Horoscope
Spill the beans to your lover today. Have an honest discussion to express your desires. Even if it becomes briefly uncomfortable, the end result may please you.get your compatibility report
Your Free Lovescope Is…
Whoops! We can't calculate your personalized lovescope without your birthdate. Login or create your profile to get your lovescope and advice for today!create my profile
Already a member? LOG IN NOW


text:
I've recently become interested in dividend paying stocks and have been looking for companies that pay healthy dividends while at the same time provide great upside profit potential in terms of their forward long-term growth and capital appreciation.
One company that meet these criteria is Pembina Pipelines - PPL, PBA.
What Pembina Does
Pembina Pipelines (PBA) is a Canadian company that was incorporated in 1954 under the laws of the Province of Alberta. Originally, the company's business was operating liquids feeder pipelines for crude oil companies operating in Alberta, Canada.
Today the company is firmly established as an integrated energy infrastructure service provider.
Conventional Pipelines
Presently, Pembina owns and operates 7,850km of conventional pipelines. These pipelines move about 50% of Alberta's conventional crude oil production, about 30% of NGLs produced in western Canada and all of the conventional oil and condensate produced in British Columbia.
Oil Sands and Heavy Oil
Pembina transports synthetic crude oil from both the Syncrude and Canadian Natural Resources oil sands operations. Pembina also provides diluent and diluted bitumen pipeline transportation for both oil sands and heavy oil producers operating southwest of Fort McMurray the Peace River/Seal region of Alberta.
Pembina has approximately 1,650km of oil sands pipelines and about 30% of the total take-away capacity from the Athabasca oil sands region.
The company operates two midstream business segments, crude oil and NGL.
The crude oil segment includes a network of truck terminals at hub locations and includes storage and pipeline connectivity. (Pembina Nexus Terminal)
The NGL segment includes Redwater West and Empress East. Pembina also owns a 2/3rds interest in Three Star Trucking, which is based in Saskatchewan and hauls oil for Bakken-area producers.
Gas Services
Pembina owns and operates a growing natural gas gathering and processing business, which includes the Cutbank Complex. This complex is made up of three sweet gas processing plants and a new ethane extraction facility. The company also has approximately 350km of gas gathering pipelines.
Pembina is in the process of aggressively expanding this segment of the business.
Pembina's Growth Projects
- Musreau 11 Shallow Cut Gas Plant will be a company constructed, owned and operated plant designed to extract propane-plus (C3+) and is expected to process 100 million cubic feet of natural gas per day. This will yield approximately 4,200 barrels per day of NGL for transport on Pembina's pipelines.
The project is expected to cost approximately $110 million and is supported by long-term contracts with area producers for 100% of the facility's capacity.
- The Cornerstone Oil Sands Pipeline proposes two 320km pipelines and related infrastructure to service the KKD Oil Sands Partnership (KOSP). This proposed project will consist of two parallel pipelines carrying blended bitumen and diluent supply, pump stations, and terminal facilities near Conklin and Edmonton, Alberta.
- Redwater Fractionator and Storage (RFS) Projects
On July 31st of this year, Pembina announced it had entered into long-term cost-of-service agreements with NOVA Chemicals Corporation to provide storage in Pembina's storage cavern currently under development at the Pembina's Redwater fractionation and storage site.
- Peace and Northern Pipeline Expansion Projects
Phase 1 of both an NGL expansion of 52,000 bpd and a crude oil and condensate expansion on the Peace Pipeline System of 40,000bpd is underway. These two expansions are expected to be completed and in-service late 2013.
Phase 2 proposes to increase Pembina's NGLs and crude oil condensate throughput capacity by an additional 108,000 bpd. Plans include increasing the Peace Pipeline System capacity by 55,000 bpd by late-2014, and the Northern NGL System by 53,000 bpd by mid-2015.
- Saturn Gas Plants
The Saturn Facility, which is currently under construction and expected to be in-service in the fourth quarter, 2013, is a 200 million cubic feet per day enhanced natural gas liquids extraction facility. Pembina expects this facility to extract up to 13,500 barrels per day of liquids. This facility will be connected to Talisman Energy's Wildriver and Bigstone gas plants.
On March 5, 2013 Pembina announced agreements with a third- party producer for a firm-service contract for 130 million cubic feet per day for a period of 10 years. (approximately 65% of the facilities total capacity).
- Resthaven Enhanced Liquids Extraction Facility
Pembina is participating in a project to develop an enhanced liquids extraction facility ("The Resthaven Facility") in west central Alberta. The project involves modifying and expanding an existing shallow cut gas plant. The company estimates the Resthaven Facility, associated NGL Pipeline and storage will cost $230 million (net to Pembina) and contribute annual EBITDA of $30 to $40 million (including pipeline tolls). Pembina expects the new facilities to be in-service by late 2013.
The Profit Potential
- For 1H 2013, Pembina's consolidated operating margin totaled $447.6 million compared to $276.6 million in 1H 2012. This is an increase of approximately 62%.
- 1H 2013 earnings were $184.3 million ($0.61 per share) compared to $113 million ($0.50 per share) for the same period in 2012. These outstanding results were due to improved operating results and the impact of the acquisition of Provident Energy Limited, which was completed on April 2, 2012.
- 1H adjusted cash flow from operating activities was $351.4 million ($1.16 per share) compared to $188.3 million ($0.83 per share) for the same period in 2012.
- On August 9, 2013, the company announced a 3.7 percent increase of its monthly dividend rate from $0.135/share/month to $0.14/share/month. This increase reflects Management's ongoing confidence in Pembina Pipeline's solid fundamentals and continued growth prospects.
You can check more details on Pembina's financials on the company's website.
Growth Potential
During 1H 2013, Pembina secured approximately $1.5 billion in capital projects (not including the proposed Cornerstone Pipeline). The company expects these projects to provide long-term, sustainable returns once completed.
Financing Activity
July 26, 2013: Pembina closed its offering of 10,000,000 cumulative redeemable rate reset class A preferred shares, series 1, at a price of $25.00 per share.
April 30, 2013: Pembina closed its offering of $200 million of 30-year senior unsecured medium-term notes, with a fixed interest rate of 4.75% per annum, paid semi-annually, and maturing on April 30, 2043.
Proceeds from these two financings will be used to partially fund capital projects, repay amounts outstanding on the company's credit facility, and for other general corporate purposes.
Summary and Conclusion
Pembina's Chief Executive Officer, Bob Michaleski, said this about Pembina's 1H performance: "With solid performance in the first half of the year, our strengthened balance sheet, and the 3.7 percent increase in our monthly dividend, Pembina is on track to continue delivering consistent and improving financial results and long-term returns to investors."
The Company's President and Chief Operating Officer, Mike Dilger, added: "Pembina has a strong track record of identifying and completing projects that enhance our financial and operating results and drive sustainable growing shareholder value, as evidenced by the dividend increase we announced today (August 9, 2013)."
(Click here for full 1H financials)
In conclusion, if you are like me and looking for a great, well-managed company with a strong and long track record of outstanding performance, that pays a healthy dividend and has tremendous growth potential, you should take a close look at Pembina Pipelines.
Disclosure: I have no positions in any stocks mentioned, but may initiate a long position in PBA over the next 72 hours. I wrote this article myself, and it expresses my own opinions. I am not receiving compensation for it (other than from Seeking Alpha). I have no business relationship with any company whose stock is mentioned in this article.


text:
Home /
Our Sources / About Us
/ FAQs /
Advanced Search
Not what you're
looking for? Try an advanced search.
Official citation and/or docket number and footnotes (if any) for this case available with purchase.
Learn more about what you receive with purchase of this case.
United States District Court, W.D. Kentucky, Paducah Division
May 22, 2014
CLAUDE COX, Plaintiff,v.LISA M. BENDLER et al., Defendants.
THOMAS B. RUSSELL, Senior District Judge.
By Memorandum and Order entered April 15, 2014, this Court denied Plaintiff's application to proceed without prepayment of fees pursuant to 28 U.S.C. § 1915(g) and directed him to pay the requisite $400.00 fee for filing the instant action within 30 days from entry of the Order (DN 5). The Court advised Plaintiff that failure to pay the filing fee within the time allowed would result in dismissal of the action.
Review of the record in this action reveals that Plaintiff has failed to pay the requisite $400.00 fee. The Court will, therefore, dismiss the action by separate Order pursuant to Fed.R.Civ.P. 41(b) for failure to comply with a prior Order of the Court and for failure to prosecute.
As the Court previously advised Plaintiff, dismissal of this action does not relieve him of his responsibility to pay the requisite filing fee in this action. In re Alea , 286 F.3d 378, 381 (6th Cir. 2002); McGore v. Wrigglesworth , 114 F.3d 601, 607 (6th Cir. 1997), overruled on other grounds by Jones v. Bock , 549 U.S. 199 (2007). The obligation to pay the filing fee attaches when a prisoner "brings a civil action." In re Alea , 286 F.3d at 381. "The subsequent dismissal of the action under § 1915(g) for failure to pay that fee does not negate or nullify the litigant's continuing obligation to pay the fee in full." Id .
Accordingly, the prior Order (DN 5) obligating Plaintiff to pay the $400.00 fee in this action remains in full effect.
IT IS THEREFORE ORDERED that the Kentucky State Penitentiary shall collect and forward the $400.00 filing fee from Plaintiff's inmate account to the Clerk for full payment of the filing fee. The payment shall be sent to the following address:
The Clerk of Court is DIRECTED to open an account for the payment of the filing fee.
Our website includes the main text of the court's opinion but does not include the
docket number, case citation or footnotes. Upon purchase, docket numbers and/or
citations allow you to research a case further or to use a case in a legal proceeding.
Footnotes (if any) include details of the court's decision.
Official citation and/or docket number and footnotes (if any) for this case available with purchase.
Learn more about what you receive with purchase of this case.
LRC, Inc. About Us


text: Mp3 Alan Jenkins And The Creams - Ie An experimental, psychedelic, indie musical comedy about animal rights. 20 MP3 Songs in this album (69:02) ! Related styles: ROCK: Experimental Rock,... 1. Overture 2. Best, Banting, McLeod and their dog, Margery 3. Unusual Calls 4. The Metaphor List Song 5. Moonphase for strings, percussion and woodwind 6. Why did the turkey boil his radio? 7. Investigating a crime 8. No, I don't own any mechanical crushing equipment 9. Me and G.A.A.E. 10. If drum machines were fish 11. If fish were drum machines 12. Poems that are disappearing .:oO more Oo:. 20 MB Download 8.99 USD X The seller music offers you 12.0% on each sale!


text:
24 CFR 58.55 - Notice of intent to prepare an EIS.
Beta! The text on the eCFR tab represents the unofficial eCFR text at ecfr.gov.
§ 58.55 Notice of intent to prepare an EIS.
As soon as practicable after the responsible entity decides to prepare an EIS, it must publish a NOI/EIS, using the HUD recommended format and disseminate it in the same manner as required by 40 CFR parts 1500 through 1508.


text:
Hawaiian Chicken
Total Time
Prep 8 mins
Cook 1 hr
This recipe comes from a cookbook made up of Lancaster County recipes. It is very simple to make and does not take a lot of time. I love the tangy taste of the pineapple and the 57 sauce. I used boneless, skinless, chicken tenders. I think it's better to use smaller pieces of chicken instead of whole breasts, as they would tend to be dry. Very good served with rice!
Ingredients Nutrition
- 1133.98 g chicken
- 0.25 ml salt
- 0.25 ml pepper
- 233.88 g can pineapple slices
- 118.29 ml Heinz 57 steak sauce
- 29.58 ml honey
- Place chicken in a 7x12 inch baking dish.
- Sprinkle with salt and pepper.
- Bake at 400 degrees for 30 minutes.
- Drain pineapple, reserving 2 tablespoons of juice.
- Combine reserverd pineapple juice, Heinz 57 sauce, and honey.
- Pour over chicken, and bake an additional 25 minutes, basting often.
- Arrange pineapples over chicken and bake an additional 10 minutes.
- Drain off excess fat from sauce.
- Serve by spooning sauce over chicken.
Most Helpful
Delicious and so easy! The sauce is tangy but the honey softens it a bit. I just used 10 oz. of chicken (less than 1/3 the recipe) for the 2 of us, but half the sauce. I like more sauce to mop up! But it's the chunks of pineapple that really made this dish for me! Thanks for posting, AustinsAm!


text: I stumbled upon an ocelot eating a dead sloth right next to one of the trails on BCI. The sloth reeked and was probably killed a few days before. The ocelot was not bothered by me or other people who eventually came to take pictures, but eventually left after 30 minutes.


text:
Georgia executes oldest death row inmate for 1979 murder
Brandon Astor Jones died by lethal injection after the U.S. Supreme Court denied his request for a stay of execution.
Religion News Service (http://religionnews.com/tag/crime-and-punishment/)
Brandon Astor Jones died by lethal injection after the U.S. Supreme Court denied his request for a stay of execution.
WASHINGTON (RNS) An interfaith coalition is urging Congress to end solitary confinement, which they said is a "harmful, costly, and ineffective practice.'' By Chris Lisee.
VATICAN CITY (RNS) As the trial begins for the pope's former butler, the court system of the world's smallest nation comes into the spotlight. And sentences are less harsh than one might expect. By Alessandro Speciale.
WASHINGTON (RNS) The campaign to abolish the death penalty has been freshly invigorated this month in a series of actions that supporters say represents increasing evidence that America may be losing its taste for capital punishment. By Kevin Johnson/USA Today.
WASHINGTON (RNS) In the more than three decades since the national moratorium on the death penalty was lifted, there is no reliable research to determine whether capital punishment has served as a deterrent, according to a review by the National Research Council. By Kevin Johnson / USA Today.


text:
343 Industries' boss Frank O'Connor has responded to fan concerns over the length of Halo 4.
After we all found out that the achievement list pointed to the game containing just eight missions, O'Connor explained that this didn't reflect how long each mission would be.
Posting as 'Stinkles' on NeoGaf, he wrote that the "Number of missions has no bearing on the length of the campaign. It's a Halo sized campaign. PLUS Spartan Ops etc."
343 Industries' designer David Ellis also talked about the length of Halo 4's missions. Ellis claimed that "[Spartan Ops] season alone is longer than [Halo 3: ODST]. Spartan Ops and Campaign are completely separate teams. As Frank mentioned earlier, the main campaign is substantial and will compare favorably with previous entries in the series."
In case your wondering, Spartan Ops is a new game mode in Halo 4 and will replace the Firefight mode that appeared in Halo 3: ODST. Gamers can play Spartan Ops on their own or co-operatively with up to three other players, and the first Season of Spartan Ops plans to deliver five new missions and cinematics each week over a 10-week period. According to Ellis, it's this game mode that will consist of more content than Halo 3: ODST.
Article from Gamersyndrome.com


text:
Sunday's Scottish Gossip
Celtic are linked with potential second offer for striker Henry Onyekuru as Leipzig are said to be preparing a bid for Rangers' Barrie McKay.BBC Sport » 5h
Celtic are linked with potential second offer for striker Henry Onyekuru as Leipzig are said to be preparing a bid for Rangers' Barrie McKay.BBC Sport » 5h
CELTIC will have to significantly up their bid if they want to land Nigerian teenage sensation Henry Onyekuru.Daily Express » 14h
There is no doubt that a seemingly never-ending run of league titles – soon to be five – and playing in front of 50,000 crowds can be factored in to Mikael Lustig's decision to accept a new two-year contract at Celtic.Scotsman.com » 14h
When Dundee United won the Scottish Cup in 2010, Ian Cathro wasn't at Hampden. He can't recall exactly where he was, but the guy who was head of the club's youth academy at that time does know that whatever he was doing, it will have felt like the most important thing in the world.Scotsman.com » 14h
Celtic have had an initial bid for the Nigerian teenage striker Henry Onyekuru rebuffed but are considering an improved offer for the player who has lit up the Belgian top flight this season.Scotsman.com » 14h
Gary Locke understands what it is like to be a young, untried manager tasked with protecting and delivering the hopes and dreams of half a city. So when the former Hearts boss lines up against Ian Cathro at Stark's Park this afternoon, as his Raith Rovers side take on his boyhood heroes in the…Scotsman.com » 14h
Albion Rovers might be considered a Ross County. Not because today they harbour a threat to Celtic's Scottish Cup hopes, akin to the Highland club which has twice vanquished the Parkhead side in one-off occasions across the past seven years. Instead, it is because the League One side seem to have a…Scotsman.com » 14h
It is seven days short of 17 years since Kenny Miller played his first Scottish Cup tie. He scored then as a Hibernian player. Yesterday, the 37-year-old didn't just score as a Rangers player, he performed a Herculean rescue mission when the Ibrox club's Scottish Cup hopes looked utterly all at sea.Scotsman.com » 14h
The latest/final league table can be shown along with the table on any given match date.
Use the checkboxes on the right to select teams for comparison using the buttons below the table.
Two teams can be compared head-to-head either statistically or historically. Three or more teams can also be compared as a group.
Also note that any comparisons are at the time of the selected date!
This table is Sortable.
Click on a column heading to sort by that column, click again to sort in reverse order. Click on any column appearing in yellow to return the table to its original order.
The default sort order is usually best to worst or alphabetical. Hover over the headings to reveal which columns can be sorted.
This table has Popup Data.
Clicking on specific cells will reveal the detail behind that value. The cells will highlight in blue and underline when there is a popup available.
You can close the popup by clicking on the close (X) or anywhere outside of the popup.


text:
Wandervale Condo's Google Maps
Convenience awaits you @ Wandervale CondoTransports options available at Wandervale EC are unparalleled. Accessibility is never in questions here. Arterial roads in the vicinity such as Bukit Batok, Choa Chu Kang or Kranji and PIE keep you well connected to the rest of the islands. While Choa Chu Kang MRT is sited only 5 minutes walk. Moreover, Choa Chu Kang Bus Interchange will connect you to many important amenities.
|Bus No.
|Orchard shopping district, Singapore Management University (SMU), Raffles Girls' School
|Hwa Chong, National Junior College, Singapore Chinese Girls' School, KK Women &
Child Hospital
|Vivocity, National University of Singapore (NUS), Haw Par Villa, Singapore Science Park
II, Mapletree Business City
|Singapore Zoo, Night Safari, River Safari
ONE YEAR FREE SHUTTLE BUS service from Wandervale EC to Bukit Panjang MRT Interchange Station & Hillion Mall.
Bukit Panjang MRT is the western terminus for the Downtown Line, along with 11 other stations such as Cashew, Hillview, Beauty World, King Albert Park, Sixth Avenue, Tan Kah Kee, Botanic Gardens, Stevens, Newton, Little India and Rochor have been open recently.
Wandervale Condo - Right in the heart of it allNested in the heart of Choa Chu Kang, Wandervale EC Condo by Sim Lian Group connects you to everything. You will be spoilt for choices of shopping deals and dining experiences at upcoming Junction 10, Bukit Pankang Plaza or Lot 1 Shopping Mall.
Shopping is only one of the convenient point offered by Wandervale EC Condo. You have an ample choices when it comes to nature retreat. Peacefully take a stroll along Choa Chu Kang Park, an ideal place for family bonding at weekends. Then, further down is Warren Golf & Country Club for magnificient views and happy gathering time.
Shopping near Wandervale Condo
- Lot One Shoppers' Mall
- Hillion Mall (2017)
- Bukit Panjang Plaza
- Junction 10
- Yew Tee Point
- Teck Whye Shopping Centre
- Keat Hong Shopping Centre
- Limbang Shopping Centre
- Bukit Panjang Hawker Centre & Market
- Choa Chu Kang (NS4/BP1) MRT, LRT and Bus Interchange
- Bukit Panjang Integrated Transport Hub (LRT/ DTL2/ Bus)
- Near KJE, connected to PIE and BKE
- Bus stop opp Blk 210: 172, 190, 975, 985
- Bus stop in front of CCK Polyclinic: 190, 307, 975, 975A, 982E, 985
- Direct bus to Orchard Shopping Belt and Marina Bay
- Choa Chu Kang Park
- Choa Chu Kang Community Club
- Choa Chu Kang Sports Hall
- Warren Golf & Country Club
- HomeTeamNS @ Bukit Batok
- Bukit Batok Golf Range
- Bukit Timah Nature Reserve
- Keat Hong Community Club @ CCK Ave 4 (2016)
- Linear Park near Keat Hong Close (2016)
- Neighbourhood Park at Keat Hong Link (2016)
- Rail Corridor that runs along eastern part of CCK
View Choa Chu Kang Master Plan for more information
Surrounded by renowed schools such as South View Primary School, Choa Chu Kang Primary School, Choa Chu Kang Secondary School, Zhengfei Cultural Education Centre, Wandervale condo's prime locality offers a world of opportunities for your little jewels.
Prime location and lush living defines Wandervale EC Condo Facilities, upcoming condo at Choa Chu Kang. Launching soon!
Fill in the form to get updates