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Therapeutic Yoga for Children - Advanced Certification
July 23-29, 2017 in Racine, WI
ATTENTION Teachers, Therapists, Counselors, Yoga Instructors, and Others who Guide and Influence Children…
Are You Looking for an Effective and Transformational Way to Help Children Thrive Mentally, Emotionally, Physically and Spiritually?
Feeling frustrated by the lack of options available
to support a child's mental and emotional wellbeing today?
There are primarily two choices for children from the modern health model when it comes to mental, emotional or behavioral health - medication and/or talk therapy. With Yoga, there are a multitude of practices and techniques that can be employed. Yoga goes to the root cause and looks at the whole child as well as the environment of the child. Learn what you need to know to safely and effectively shift the trajectory of a child's life from one of disease and diagnoses based treatment to whole-hearted thriving from a solid foundation of wellbeing. We owe it to our children to help foster in this paradigm shift.
~ Let's be there for our children ~
If you work with children in any capacity you can certainly empathize with the challenges they face. More than ever, children today are bombarded with expectations and conflicting standards everywhere they turn… at home, at school, on television and social media.
Add to this the pressures they face from their classmates (especially if they don't quite "fit the mold")… and it's little wonder why they often feel unbalanced… unsure… and even afraid.
Children diagnosed with specific conditions such as anxiety, depression, autism, sensory processing issues, trauma and physical challenges especially need our help.
As someone who influences and guides children, you feel like it's both your responsibility and your privilege to provide them with a feeling of stability and ease… and to empower them to develop the self-awareness and confidence they need to succeed.
Many imbalances children face today are either triggered or exacerbated by stress. Yoga reduces stress, oftentimes strangling the root of the "disease" or "disorder." Yoga also expertly addresses mental and emotional imbalances – anxiety, depression and challenges with attention and focus. Yoga helps regulate the nervous system – the home base of these conditions. It also addresses the mind, which includes attitudes and perspective that effect health at every level.
Lifestyle enhancements and personal discipline, inherent in the practice of yoga, can make a huge difference.
Regardless of where an individual falls on the spectrum of health or disease, Yoga is a life affirming practice that promotes wellbeing on all levels, while addressing the whole person and revealing the natural state of true health that is everyone's birthright.
But if you're like many people… you either don't have the depth of experience with yoga, or you don't know specifically how to share the practice with children in ways that will address the challenges they face while making it fun, safe and engaging.
Our Therapeutic Yoga for Children Course Gives You Powerful, Positive, Advanced Training that Empowers YOU to Help Children Succeed
How Will This Course Help The Children?
With the right tools and techniques along with step-by-step training you will be able to help children thrive:
Greater poise, grace and confidence as well as balance, strength and flexibility. Imagine going through life with effortless aligned posture and feeling comfortable in your own skin.
Less sickness and disease, less aches and pains. How many colds does a child really need to get each winter?
Plus, better sleep and digestion – the foundation of physical wellbeing.
More focused thinking.
Greater emotional intelligence, which includes more meaningful relationships. It's an incredibly important part of the human experience.
Strong internal compass to make life-affirming decisions throughout life.
Improved mood, balanced energy and ability to handle change with grace and ease. In other words, less reactionary. All this allows children to participate in classroom and social activities with minimal disruption.
Authentic confidence to avoid negative peer pressure, bullying, and other social challenges.
A deep-rooted sense of calm… which helps them make effective decisions in high-pressure situations.
The ability to reflect and be still.
A sense of being more than one's likes and dislikes, their personality and all that is right or wrong with them.
A sense of awe and wonder, joy and uncaused happiness that is not disturbed by the sometimes rough waters in life.
Strong sense of purpose and clear intention to understand and pursue their own aspirations and goals.
Feeling of connection and living in harmony with all of life.
What Will You Learn in This Training?
After completing the course, you'll have the exact training you need do this important work.
You will:
- Have a working knowledge of the theory and practice of specific Yoga techniques such as regulated breathing, guided relaxation, and Yoga poses that are safe, fun and beneficial for children.
- Be able to deliver life-affirming approaches that help children see themselves as much more than the diseases and conditions with which they've been diagnosed.
- Understand how to positively impact environmental and lifestyle factors that can influence the behavior of children.
- Identify, create and adapt optimal healing environments… both externally and internally.
- Have specific assessment tools to help you deliver professional, tailored experiences for kids and families.
- Be able to use a wide range of yoga techniques to provide individualized wellness plans for each child.
- Discover how to effectively use small group and one-on-one sessions to maximize each child's potential through Yoga.
- And much, MUCH more!
Who is This Training For?
This training is particularly targeted to pediatric therapy practitioners, educators and Yoga teachers. Parents and other caregivers who meet the application criteria will also benefit from this learning experience.
Those who are registered Yoga teachers with Yoga Alliance® will earn 50 contact hours of continuing education.
Who is This Training NOT For?
This training is not for those new to the practice of Yoga with no formal training. As much as we REALLY want you to know what we'll be teaching in this course, we are diving in deep and we don't want you to feel lost and confused with the depth of content we present. If you are determined to make this happen in your life, please contact us and we can assess where you are at. You can get the basic training on Yoga for children through our GFY @ Home program.
This training is not for those who are not committed to growth and change. This is a paradigm shift and we are experts at guiding you through this process with skill and grace AND you have to be willing to do the work to "BE the change you wish to see in the world" (to quote one of our favorite yogis, Mahatma Ghandi). We are continually amazed and humbled by those who show up for this advanced training and if you are committed to this revolution in children's wellbeing, you'll feel right at home.
Make a Living Doing What You Love
You may be wondering (or your spouse may be asking) how you can get a return on your investment from this training. Yoga for children is an exploding field. Yoga Journal did a study in 2012 that showed 8.7 percent of U.S. adults, or 20.4 million people, practice yoga. That's a 29% increase over the same study done in 2008…and the numbers keep climbing. Of current non-practitioners, 44.4 percent of Americans call themselves "aspirational yogis" — people who are interested in trying yoga.
More importantly to those of us sharing the practice with children – approximately 400,000 more children aged 4-17 used Yoga in 2012 than in 2007. Yoga and mindfulness are everywhere today – in studios, schools, pediatric practices and homes across the country. There is a significant need for trained professionals.
The National Center for Complementary and Integrative Health in their 2012 survey puts the number of practicing adults at approximately 21 million and children at 1.7 million. They note that the increase in Yoga has occurred across all age, racial, and ethnic groups. Most notably, the largest shift in the use of any mind and body approach was seen in the demographics of people using Yoga.
How This Training Started
After years of teaching people how to share Yoga with children in a way that is safe, effective and fun many of you came back to us and said:
"HELP! Many kids are coming to my group Yoga classes with "special needs". The word is out that Yoga can not only help children feel calm and confident, but it can also help a child with sensory processing, it can help with anxious feelings, it can help with erratic behavior, it can help with low moods and other conditions from autism to Down syndrome to obesity."
So parents were bringing their children to Yoga classes (smart move on the parents part) and our trained teachers wanted to help. Teachers felt they needed additional training to meet the needs of this diverse group of children...and we're here to help.
Yoga teachers comprise about 30% of those who attend our trainings. Others are parents, educators and pediatric professionals. All appreciate the advanced methods learned in this training.
What would it mean to you and the children in your life to have the tools you need to facilitate calm, confidence and connection for them?
…HAPPY children! (and happy adults)
About the Instructor
Our Training Director, Mira Binzen, ERYT, RCYT will facilitate the intensive. She has been committed to the development of children for over 20 years. Mira has a degree in Child Psychology and received her teacher's training certificate from Sivananda Yoga Vedanta Ashram in India in 1999. She is certified to teach both children and adults, and is registered at the 500-hour level with Yoga Alliance. She also has a 1,000 hour Professional Yoga Therapist certificate with Integrative Yoga Therapy and is a Certified iRest Yoga Nidra teacher. For her, the heart of Yoga is discovering the Self through play and laughter.
Required Reading
The required reading for this course includes Yoga and Ayurveda by David Frawley and Yoga For Wellness by Gary Kraftsow.
You will also need the Yoga Teachers Toolbox, produced by Joseph and Lillian LePage of Integrative Yoga Therapy. It can be purchased online for $59.95 plus shipping.
The complete list of required reading will be sent to you when your application is accepted. All other assignments not listed above are available for free online.
Please contact us for more information or register by clicking REGISTER below.
About the Retreat Center
The summer intensive program is held at a beautiful former college on Lake Michigan in Racine, WI. You will be able to completely relax in this serene environment.
Stately buildings welcome you to a comfortable and homey retreat center. The spacious grounds include a zen garden, labyrinth and lake views. There is a wading beach 4 blocks away and a swimming beach just 2 miles north.
The training begins at 4:00pm Sunday, July 23. Check-in begins at 2:00pm. We will conclude by 2:00pm Saturday, July 29.
Charming single, double and triple guest rooms with comfortable, antique furnishings.
There are a limited number of private rooms available on a first-come basis. All other students will be in shared accommodations.
Please view the photo gallery below to see pictures of the facilities and grounds.
Pricing includes course tuition, accommodations and vegetarian meals.
Private room = $1725
Shared room = $1475
What to Bring
Following is a list of a few essentials you'll want with you.
- plenty of comfortable clothes for Yoga
- yoga mat and props
- extra blanket/small pillow/bolster for yoga nidra
- journal
- toiletries
- swim suit and towel
- shoes for walking outdoors
- personal size fan
- umbrella and/or rain jacket for walking between buildings
Submit Your Therapeutic Yoga for Children Application Today!
Because I will be giving my full attention to each attendee, I can only accept a limited number of professionals into this in-depth training. I really would love to work with everyone who wants to attend…but I do have to grant admission on an application-only basis.
This is an advanced training course and previous experience is required. You must have a minimum of one-year of personal yoga practice and one-year of experience working with children in a professional or home setting. Additionally it is recommended that you have formal training in basic yoga and yoga for children. Each application is assessed on an individual basis.
The sooner you apply, the sooner you can start your journey toward providing powerful, life-affirming yoga instruction to your children… so complete the application below and submit it right away.
Childrens Yoga Teacher Training Application
This is an easy to complete two-page form asking for basic personal information, yoga experience and your experience with children. If you have questions about the application process, or you have any special needs or requirements please contact us.
Registration is a two-step process.
- Download, complete and submit the application (above).
- Click the Register button (below) and complete the check-out process. Be sure to register for your choice of private or shared accommodations.
Therapeutic Yoga for Children - Private Room
Sunday, July 23, 2017 04:00 PM - Saturday, July 29, 2017 02:00 PM
50-Hour Advanced Training | Adults
This is the PRIVATE ROOM registration. To sign-up for a shared room please register below.
Therapeutic Yoga for Children - Shared Room
Sunday, July 23, 2017 04:00 PM - Saturday, July 29, 2017 02:00 PM
50-hour Advanced Training | Adults
This is the SHARED ROOM registration. To sign-up with a private room, please register above.
Regardless of where an individual falls on the spectrum of health or disease, Yoga is a life affirming practice that promotes well-being on all levels while addressing the whole person and revealing the natural state of true health that is everyone's birthright.


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Written on: 06/03/2013 by THEDUDE2464 (1 review written)
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I loved the characters, I loved the setting, I loved the storylines. In short I loved all the aspects of the show. Alan Ball (writer. producer) has done an amazing job of staying loyal to the books, while making the show feel new. If Vamps aren't your thing, there are Werewolves, witches, Shape-shifters and Fariy's, so there is a vast array of super-natural beings to fall in love with.
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Interactive Brokers Group, Inc. (NASDAQ:IBKR)
Q3 2008 Earnings Call Transcript
October 23, 2008, 5:30 pm ET
Deborah Liston - Director, IR
Thomas Peterffy - Chairman and CEO
Paul Brody - CFO
Edward Ditmire - Fox-Pitt Kelton
Richard Repetto – Sandler O'Neill & Partners
[Jen Willeck] - SCG
Niamh Alexander - KBW
Louis Margolis - Select Advisors
Greg Laden - Deking
Good day everyone, and welcome to the Interactive Brokers Third Quarter 2008 Earnings Results Conference Call. Today's call is being recorded.
At this time for opening remarks and introductions, I'd like to turn the conference over to Ms. Deborah Liston, Director of Investor Relations. Please go ahead.
Deborah Liston
Thank you. Welcome everyone and thank you for joining us today. Just after the close of regular trading, we released our third quarter financial results. We'll begin the call today with some prepared remarks on our performance that compliments the material included in our press release and allocate the remaining time to Q&A. Our speakers are Thomas Peterffy, our Chairman and CEO, and Paul Brody, Group CFO.
At this time, I'd like to remind everyone that today's discussion may include forward-looking statements. These statements represent the company's belief regarding future events that by their nature are not certain and outside the company's control. The company's actual results and financial condition may differ, possibly materially, from what is indicated in these forward-looking statements.
For a discussion of some of the risks and factors that could affect the company's future results, please see the description of risk factors in our filings made with the Securities and Exchange Commission. I'd also direct to you to read the forward-looking disclaimers in our quarterly earnings release.
With that, I'll turn the call over to Thomas Peterffy.
Thomas Peterffy
Welcome, everyone, and thank you for joining our call. I'd like to begin today's discussions by bringing your attention to the fact that despite the recent distress in the financial markets, we're able to deliver our second best quarterly earnings per share so far.
Although, we have witnessed unprecedented losses in the financial sector and beyond, our company was, again, able to post healthy double-digit revenue and profit growth year-on-year.
This performance underscores our clear advantage of experience, automation, and single-minded focus on speaking to what we do best that is building and perfecting our market-making software and putting the superior technology in the hands of our sophisticated brokerage customers that demand best execution of the lowest cost.
Our operations have been relatively unaffected by recent events in the credit markets. Our equity capital exceeds $4 billion and we do not rely on outside liquidity sources to any meaningful extent. We have stayed away from exerted financial instruments, which will determine our values, and we deal only in highly liquid exchange-traded products.
Nevertheless, our stock price has been under pressure from fear of uncertainty about financial firms, which has led irrational trade. Depending up on how the economy evolves, this may be temporary.
For that reason, we recently announced an 8 million share repurchase program, which represents 20% of our publicly-floated shares. We did not follow through with the share purchase program, because it turned out that our earnings per share were actually at the top of the range we projected just two days prior to the end of the quarter. We projected $0.55 to $0.65 and realized $0.65.
I would like to use this outcome to, again, bring to your attention the fact that our reported earnings are largely influenced by three random elements. One, is the [distemper analyst] nature of closing prices; the second, foreign exchange rates; and the third taxes.
As you know, [VA] markets on (inaudible) in 27 countries and we carry large positions that are hedged against each other. If we are net long in Asia and short in America and US prices falling the afternoon, relative to Asian prices that were steady in the morning, we will show a large profit for the day and that day happens to be the large day of the quarter, we will show a large profit for the quarter. Even though we know that the following day prices are likely to even out and the extra profit will go away. So that is one end development.
As we continue as we buy and sell products in different countries, we inevitably assume positions in foreign currencies. When we buy something for Canadian dollars we become short the Canadian dollar and we pay for it. And we sell something for British pounds, we become long the British pound when we will see the sales proceeds.
Every paid in a security corresponds to a trade in the currency in which the security is denominated. This may not be apparent when you are trading only one country, but when you run a global system you cannot get away from this.
With this either to hedge all these trade by keeping our network hedged to a best cap of currencies that we call the global. We defined one unit of global to contain US $0.59, $0.24 Euro, Yen $0.10, $0.03 British pence, $0.03 Canadian and three $0.03 Australian. Now we keep our networks in global, but we lead forward our consolidated earnings in US dollars. Clearly, as the value of the US dollar fluctuates, it all effects to the global, the value of our networks we will fluctuate and that fluctuation will show up in our earnings.
Finally, the third end development is taxes, different jurisdictions has different tax rates. To the extent our earnings derived from the US, Australian or Canadian territories, our tax rates are high. When they come from Europe or Asia, they are much slower.
So what happened in this quarter, in the third quarter the closing prices were relatively favorable, but only slightly. The US dollar has reasonable value against the global. Accordingly, our networks in globals translated into fewer dollars, than the preceding quarter, and this went against us. On the other hand, moreover earnings were derived from low tax jurisdictions than previously, so that went in our favor.
Finally, we have written-off about $10 million -- we have written off $10 million which is about half a volume investment in Hamburg. I will now discuss our overall performance and Paul Brody our CFO will provide further details on our results shortly.
Diluted earnings per share increased by 23% from the year-ago quarter to $0.65. Our pre-tax profit margin was 70%. This overall performance was driven by an exceptionally active market which led to higher total trading volumes, historic volatility levels and greater efficiency from our highly automated operations.
Total trade volumes grew by 24%, driven by a surge of activities in our brokerage segment. I would also like to point out that we were able to process nearly a million trades per day, and thanks to our highly -- high degree of automation we achieved this with only 730 employees.
I would like to discuss our brokerage segment, which I believe, was the greatest potential for untapped growth especially in these market conditions. The financial help and stability of brokers has been put in question given the recent turn of events.
We recently launched a new marketing campaign which highlights the safety of having funds with us due to our real time risk management and strong financial positions. Our state-of-art risk management systems aimed to mitigate the risk by continuously marking to market our customer's position and imposing margin requirements on each customer's account real time.
When margin requirements are violated, positions are liquidated automatically. This is a specially critical distinction. Other brokers may have asked up to three days for a customers to send in margin fund, which during times of wide market swings may lead to large customer losses that the broker may not be able to absorb causing them to become solvent and putting other customers at risk. Many customers and even financial professionals do not understand that although customer funds are segregated, they are segregated in total.
If a customer loses more then he has, the broker has to make up the loss from his own funds. If the broker is unable to make up the deficiency, other customers will pay under hook. This is the reason that broker's risk management system and practices are so important in volatile times, and so is the magnitude of the broker's equity capital.
Our margin requirements are stringent but they are meant to protect IB and it's customers.
We also do not trade OTC products which could otherwise expose us to credit risk or a single banker counterparty to their contract with the exception of cash foreign exchange which is very [uniquely].
As we have seen with the recent failures of certain large banks. These are very real concerns that customers should consider when selecting their broker.
Investors are growing savvy to these risks and they believe that as awareness spreads -- if you continue fuel our customers account growth. Our brokerage unit delivered a 14% increase in pre-tax income year-on-year and 8% sequentially.
Year-over-year brokerage customer trades known as DARTs jump by 48%. Total customer accounts increase by 19% to 107,000 and customer equity be increase 13%. [Delayed] there customer equity being fell by 8% sequentially, primarily due to broad based lawsuits felt across the global markets during the quarter.
Our trading platform continues to dominate the industry. As the platform of choice for best price execution and on professional traders. In the first half of 2008, an independent transaction audit firm TAG found that our stock executions $0.47 put on new share better than the industry and our option executions there $0.53 better approved contract than the industry. So this is favorable change from the second half of '07.
You won't find other broker sharing their statistics because ours simply can not be beat. We do not fake the other side of our customers stock trades, like other brokers do. During the quarter, we have also been introducing some significant upgrades to our brokerage platform, which have been design for customers who wish to move blocks without been noted by the market. This is new algorithm offers traders multiple conditions that they can utilizes the accumulator distribute large positions without impacting the price. The early feedback has been quite positive, although it is too -- that people are less focused on execution quality when markets are in turmoil. Nevertheless, we believed that all the unit algorithm recorders and our ability to deliver best execution another words possible course, we will continue to drive our customer growth.
I will now review our market making operations. Again by pointing DART, that with over a 30 years of experience we have with us a great deal through our history including past market crashes. We have been able to apply what we have learn from these dramatic events to further improve our proprietary market making software. We believe this is an over earning competitive advantage one that has delivered and strongly during the third quarter.
The Market Making segment enjoy the 16% increase in pre-tax income year-over-year and 40% sequentially. It benefited from the key factors that determine our profit volumes, volatility and competition. Our total Market Making option volume increased 10% year-over-year and 23% sequentially. Total trading gains per trade averaged $14 this quarter a 33% increase year-over-year.
Future's volume increased by 47%, the stock volume fell by 11%, the later is due to a discontinued strategy which had delivered marginal results for sometime. Volatility reached unprecedented levels in the third quarter. You will recall that I have explained the concept of actual to imply volatility and that this ratio is a key determine in our market making profitability.
During the third quarter this ratio showed above one, which compares to 98% in the first quarter and 86% in the second quarter. The higher the ratio is positive for us but it has approached a level of which we must be careful but we wish for. Competition has less than somewhat this quarter as Market Makers we have two types of competition true Market Makers and so quote high frequency traders both of which were less visible this quarter.
As I mentioned before competition tends to decrease during times of heighten volatility and return our markets come down. A critical advantage we have over our competitors beside three decades of experience is our significant investment in technology.
While our competitors were scrambling to comply not matter at Hub trading restrictions that's were imposed by the SEC during the quarter. Our staff of highly responsive programmers were able to rapidly adjust our systems. So that we could continue to participate in the markets and benefit from the wider spread with little or no down time. The shorting restrictions disabled many high frequency traders.
As you can see, we continue per server on our goal to deliver profitable results and conservative growth despite the volatile nature of our business. On July 28 we trail with the SEC again showing our quarterly earnings history going back to 2001.
This newer space that our results in fluctuate from quarter-to-quarter the long-term trend is undeniably deposit fees. The three random factors explained earlier, our import responsible for the fluctuation. (Inaudible) the current market crisis and believe that once confidence is restored and rational behavior returns may be when our share price will rise. I will now turn the call over to Paul Brody, our CFO who will discuss the financials in further details.
Paul Brody
Thank you Thomas and welcome everyone. I would like to take you through the summary numbers and then we will discuss the segments before we take questions. After (inaudible) second quarter our operating metrics rebounded strongly in the relative quarter.
Average daily trade volume was 972,000 trades per day, up 22% from the third quarter of 2007. Market Making trade volume was down 8% primarily reflecting a lower level of stock trading as Thomas mentioned. However, options contract volume was up 10% compared to the third quarter of '07.
In Electronic Brokerage, total customer DARTs were up 40% and cleared customer DARTs were up 48% from the year-ago quarter. Volumes from cleared customers who clear and carry their positions in cash with us continue to drive the electronic brokerage business.
Net revenues were $497 million up 12% quarter-over-quarter and by that term I mean 2008 third quarter versus 2007 third quarter.
Trading gains were $361 million, up 25% from the same period in '07. Commissions and execution fees were $98 million, up 41%. Net interest income was $30 million, down 53% from the third quarter of '07. But this decline is not surprising and I will explain it in more detail as it relates to our business segments. Other income was $7 million down 67% due to the $10 million write down we took on our investment in WR Hambrecht. This is a conservative accounting measure in light of decline in investment banking business and IPOs in general.
Non-interest expenses were $150 million, up 9% quarter over quarter, driven by increased compensation, occupancy which includes office space and data center and , amortization of internally developed software. We continue to practice aggressive expense management and we seek to grow those expenditures to help to expand the business. Within the non-interest expense category, despite the higher trading volumes, execution and clearing expenses were $83 million down 3%, which I will explain as it relates to each of the business segment. Our effort to become direct clearing members at more exchanges and also reduced these expenses over time.
Compensation expenses were $40 million, reflecting in part the continued phase-in of expenses related to our employee stock incentive plan and also to the growth in our staff count. At September 30th, our total head count was 730 and increase of 8% from the year end count [ph]. And this is about the radio staff expansion we expect to achieve. We also believe that the current environment in the financial services industry should presented with opportunity to hire talent of people especially in the area of software development, trading, risk management, and customer service.
As a percentage of net revenue, total non-interest expenses were 30%. And out of this number, execution and clearing expense accounted for 17% and compensation expense accounted for 8%. These percentages are all down sequentially, which demonstrates the scalability of our platform, that is, with our low cost structure, additional revenues falls at a bottom line.
Pre-tax income was $347 million, up 13% from the same period last year, which means this is our second best quarter ever after the first quarter of '08. Market Making represented 81% of pre-tax income and brokerage represented 18% the remaining 1% in corporate and elimination. And these proportions are consistent with the third quarter of '07.
Our overall pre-tax profit margin was 70% as compared to 69% in the third quarter of '07, and up from 66% last quarter. Market Making pre-tax profit margin was 79%, up from 74% in the year-ago quarter. Brokerage pre-tax profit margin was 47%, down marginally from 50% a year ago. Again, the little cost structure we achieved through our remaining platform continues to drive this high profit margin.
Diluted earnings per share were $0.65 for the quarter, as compared to $0.53 for the third quarter of '07. As Thomas mentioned, one of the broad elements affecting our reported earnings [halfed]. In the third quarter, we earned a greater proportion of our profits outside the US, which were taxed at lower rates. However, given that the global integration of our market making operation, we produced trading gains in any location. I would caution that one quarter's results do not make a trend.
Our balance sheet remains highly liquid with relatively low leverage. We actively managed our excess liquidity, and we maintained significant borrowing facilities through the securities lending markets and with banks. We also continue to maintain over $1 billion excess regulatory capital in our broker-dealer companies around the world. Long-term debt-to-capitalization, and September 30th was 10.4% which was down from 11.4% at the year-end '07. The consolidated equity capital of our operating companies at September 30th, '08 was $4.14 billion.
Now, I will turn to the segment starting with Market Making.
Trading gains from Market Making for the third quarter of '08, were $349 million, up 24% quarter-over-quarter. Our automated pricing and risk management systems performed well in the quarter's active and uncertain market. Net interest income from Market Making was $9 million, a decrease of 79% quarter-over-quarter, though up from $6 million in the last quarter.
As we described in prior quarter's earnings call, this is primarily due to the fact that we have integrated our training and securities lending systems in such a way that trading income and interest income are fairly exchangeable. For example, if we are long stock and short forward stock, few options for future, then we will generate more trading income. Conversely, if we are a short stock and long forward stock, then we will generate more interest income.
The outcome is partly determined by the interest rates in the cash market, relative to the forward markets. A mix of our conditions in the latest quarter produced more trading gains and less interest incomes in the year-ago quarter. Net revenues from Market Making $360 million, up 9% from the third quarter of '07.
Despite higher trading volumes, the variable cost of execution in clearing our largest expense category, making up some 63% of non-interest expenses, declined 16% from the third quarter of '07, to $48 million. As we've noted before, this in part reflects the reduction and exchange mandated payment from order flow from RAM cost as more option traded in penny. It also stems from greater options volumes being executed on exchanges that use the make or take model, where as a market maker, we are paid for providing liquidity instead of paying exchange fees. Pre-tax income from market making was $283 million, up 16% quarter-over-quarter.
Turning to electronic brokerage, customer trade volumes showed healthy increases across options, futures, and stocks. Customer accounts grew by 19% over the total of September 30th, '07, and by about 4% in the latest quarter.
Total customer DARTs, daily average revenue trades, grew to $377,000, 40% over the third quarter of '07 and up 16% from the second quarter of '08. Our cleared customer DARTs, which generate direct revenues for the brokerage business grew to $338,000, up 48% quarter-over-quarter, and up 19% sequentially.
In addition, the average number of DARTs per account on an annualized basis was 814, up 25% over the 2007 period and 14% sequentially, reflecting a continuing trend of attracting larger, more active customers.
Customer equity grew to $9.4 billion, up 13% from the third quarter of 2007, but down 8% sequentially. As Thomas mentioned, this is primarily due to broad-based losses felt across the global market, however, we continue to see a steady inflow of new accounts and customer deposits. We believe this reflects a continuing trend of customers transferring their accounts to Interactive Brokers for safety and security as well as for our advanced execution services.
The strong trade volumes drove revenue from commissions and execution fee to $98 million, an increase of 41% from the year-ago quarter and 15% sequentially. Net interest income fell to $20 million, down 8% from the third quarter of '07.
Because the interest rates we pay and charged to our customers are pegged to benchmark rates, net interest income in our brokerage business is primarily a function of customer cash and margin loan balances. However, lower market interest rates have some dampening effects on the net interest income we earned on small cash balances.
Average US interest rates declined about 3% over the year since the third quarter of '07. Net revenues from brokerage were $135 million for the quarter, up 21% from the third quarter of '07 and up 8% sequentially.
As with our market making segment, execution and clearing fees accounts for a large part, about 51% of our non-interest expenses in brokerage. These variable costs increased 26% to $36 million for the quarter, in line with the increases in trade volumes.
In prior quarters we spoke about cost savings associated with the reduction in payment to broker-dealer customers for order flow, and the routing of more customer limit orders to options exchange, that pay for liquidity. These savings were already large that reflected in the numbers over the third quarter of '07 comparative period. Pre-tax income from electronic brokerage was $64 million for the third quarter, up 14% quarter-over-quarter, and up 8% sequentially.
Now, I'll turn the call back over to moderator and we will take questions.
Question-and-Answer Session
Thank you. (Operator Instructions). And our first question comes form Edward Ditmire with Fox-Pitt Kelton.
Edward Ditmire - Fox-Pitt Kelton
Good afternoon. Is there any chance you can go through an update of the international expansion.
Thomas Peterffy
Sure. What will significant in this past quarter internationally is that we have become regular market in India. And that we have somewhat increased our activity in Korea. And we have decided to enter into the certificate for different -- contracts for differences. In Australia and they are going to do the programming for that although we have not as of the end of the quarter and into the business year.
Paul Brody
Either exchange change of product.
Thomas Peterffy
That's right. And is there -- was there anything else that you -- that I think –
Edward Ditmire - Fox-Pitt Kelton
I think there is one more question. Can you get some commentary on the latest feelings about the developments foreign market structure lines. You know just have this week, the CBOE amounts to and all electronics options exchange which could be make or take or model, NASDAQ recently introduced it's options option's market. It's seems like there is a high profile battle going on with the SEC over make or take or fee rates. Can you just give some thoughts on how you think that kind of evolution of US options market structure is going?
Thomas Peterffy
Each of the exchanges would like to have a pay for order flow platform and a make or take platform. It is because they have both kinds of customers. And so the NASDAQ has that by having it's own make or take exchange and the [relax] for pay for order flow, the CBOE just announced this, the New York has it with [Alca] which is make or take and AMEX which is conventional. And it is about 51 that is only make or take.
About the -- there is serious controversy over how much make or take exchange should be able to charge for people who -- to people who make -- who take court because best execution rules required that the customer order derived to be exchanged with the best price. And since options slate in penny's and each valuable contract represents a dollar. So, we believe that as long as the tent fee is $0.99 or less as long as the exchange is penny better it has a best price. Now, we have some competitors who have gathered a lot of order flow by paying the brokers for the order flow and the brokers, of course, do not pass on these payments to their customers. And they do not like the fact that, they sometimes would -- if they are unwilling to match the price that they make or take exchange displays then -- and they have a market order they (inaudible) to rather and then they have to pay the date fee. So, there is controversy about this and the fee, the maximum fee, will be at -- one point will be declared by the SEC.
Edward Ditmire - Fox-Pitt Kelton
Okay. Thank you.
And next we will hear from Richard Repetto with Sandler O'Niell.
Richard Repetto – Sandler O'Neill & Partners
Good evening, Thomas and Paul.
Thomas Peterffy
Hi Richard.
Richard Repetto – Sandler O'Neill & Partners
I guess my questions is going to be, again you reiterated what helps the options market make a volume volatility and the ratio of the actual to the implied volatility. So all these things, right now, are at record levels as far as option volumes, the VIX closed today at 67 or 68. So I guess, would -- are these favorable conditions generally for an Options Market Maker?
Thomas Peterffy
Well, the metric is now at the level where it is fairly difficult to deal with it because when implied volatility is on such a high level, there is a great deal of volatility -- there is a huge volatility component to every trade. And so as a Market Maker we are there trying to make a billion in offer and will be of course in control which whether we will buy or sell in the next trade, and suddenly these trades are huge in volatility terms.
And, of course, we do not want to get very long volatility of these levels because we have got those -- these volatility could go back to normal. We also do not want to get very short volatility. So, in other words we are scared. We are sitting there scared and doing our work, but we are not as happy as we where when the VIX was up, say, in the 40s.
Richard Repetto – Sandler O'Neill & Partners
Okay. Okay. Well, okay. Volume is still up, as well as, the ratio is well up actual, so hopefully that bodes well for you as well. I guess the next question, were there times when you took risk down in the period, you didn't mention any material losses on any stocks like Lehmans and some of the stuff happened after, some were before the quarter end, but would all the financial stocks and all the note-downs you didn't have a material -- it doesn't sound like you had a material risks, can you talk about any extraordinary things you did to mitigate risks?
Thomas Peteffy
We had some smaller losses here and there, again having to do with two kinds of things. There were -- I don't recall the names, but I know that there are about three takeovers in the course of the quarter, and each one cost us some money, not much. And then, of course, there are great many rumors in the market and we always tell us once to hear the rumor after we have saw the volatility, of course if that may. But there weren't any losses of material magnitude.
Richard Repetto – Sandler O'Neill & Partners
Great, and the last two quick things is, Paul, could you give us a currency impact in the quarter to the income statement and then, I understand why you didn't buyback shares then when you determine you had upside as high as you know upside to the high-end of the range, will you be buying back shares soon. Now that you've reported given the value -- where the stocks [traded]?
Paul Brody
We will value at the end of next quarter.
Richard Repetto – Sandler O'Neill & Partners
Thomas Peterffy
As far as the currency. If you speak to -- maybe I will repeat it again, if U.S. $0.59, EUR0.24, 10 Yen, 3 Australian, 3 Canadian, and 3 British cents, okay? Now, therefore by looking at the foreign exchange rates of the beginning of the quarter and compare it to the end of the quarter you can figure out the dollar value at global, right? And then you translate our net worth from global in [$2] and you can see the impact on the earnings, right? Now there is one more provider and that is Timber Hill Europe is that -- which is a Swiss base organization keeps it's books in Swiss Franc.
So the Swiss Franc to dollar translation if the dollar goes up relative to the Swiss Franc that's a negative and if the Swiss Franc goes up relative to the dollar that's a positive, that is a translation gain or loss and that goes not as parts of the earnings but under the line in the -- by the equity. So now if we have a gain on -- we have translation gain then you have to take that out of the earnings impact of the global namely under the line you have positive number, you have to put it in to the earnings of a negative number and vise-versa. I hope you got that.
Richard Repetto – Sandler O'Neill & Partners
I knew what the global was, we've run that number -- I guess my -- well maybe I should just get after the call what the -- the actual currency impact to the quarterly pretax income was? That's what I am looking for.
Thomas Peterffy
We didn't figure with that.
Paul Brody
It's done, I guess reported in the 10-Quarter, Rick.
Richard Repetto – Sandler O'Neill & Partners
Okay, okay, that's it. Congrats on a great quarter.
Thomas Peterffy
It's sounds like you want to check your work.
Richard Repetto – Sandler O'Neill & Partners
Well, I think there is component I can not calculate is the issue.
Thomas Peterffy
Alright, okay.
Your next question comes from [Jen Willeck] with SCG.
[Jen Willeck] - SCG
Hi, thanks for taking my question. You just -- the three factors that you've discussed in the beginning, I guess, sort of a follow-up to the currency question. Can you comment at all or help us, qualified all what in fact you mentioned it was small but in terms of the impact of each of those three items, that they had on the quarter.
Thomas Peterffy
No, I don't want to tell you the three items individually because I don't know them. But I tell you I was somewhat surprised by the $0.65 because I figured it would be around $0.62. So I think that the impact goes some felt that three of them together $0.03 which is $12 million, every cent this $4 million.
[Jen Willeck] - SCG
Okay. And just another follow up, in terms of the ratio that you discussed on the currency, the $59.24, is that what determine of this ratio, is that in anyway of –
Thomas Peterffy
We have book big some numbers also ahead, if just -- we just made it up we wanted to have a currency unit which represents a base cap of freely trading currencies. And in our mind it roughly equals the economic importance of these regions, in global trade.
[Jen Willeck] - SCG
Okay, thanks for attending my question.
(Operator Instructions). We'll hear next from Niamh Alexander with KBW.
Niamh Alexander - KBW
Hi, thanks for taking my questions and congratulations on a very strong quarter. And on the Market Making business, Thomas can you -- walk me through the competitive landscape I would expect, as we've seen in the past, some of your less technology savvy competitors really pulled back with the extreme market volatility, is that fair, maybe with September a lot better for those regions in July, August.
Thomas Peterffy
Well definite volume, the fact that July was the slow months, are goes in average months in September was a very active month and it is true that September when you will be of the non-Market Maker so called high frequency trader competitors have gone away that was also somewhat impacted by the short fair restrictions and that competitive landscape in a much more favor of all for us in September then it to goes prior to that.
Niamh Alexander - KBW
Thanks and just on the competitive landscape, do you feel like this been an off change with the big brokered dealers and maybe some Market Makers there that could permanently change a landscape permanently moved. So we say for the new few quarters changed the landscape or more favorably towards to you and maybe is there in the dependant Market Makers.
Thomas Peterffy
I don't have overhand alone I am sorry, I can't tell you what this happening with the integrated investment banks.
Niamh Alexander - KBW
Okay, that's fair enough, thanks. And if I could shift over to the customer because we really saw search in the DART per account which phenomenally strong and this quarter and certainly the trends has been for the that to increase. Can you help me understand the mix that are you seeing maybe more hedge funds coming? Is it the professional traders just really taking advantage of the volatility, what I am trying to understand this maybe the sustainability of it or if it folks like time levering the volatility to trade?
Thomas Peterffy
Well, you know it is more and more professional traders and hedge funds, in I want to tell you frankly the upset over Lehman and the fact that some institutions had their account frozen has helped us because people are trying to be diversify among brokers and have money with different ones. And the fact is that as we grow we will be coming -- we can no longer be ignored by of our (inaudible).
Niamh Alexander – KBW
Do you think that it's still reasonable to assume you could grow that brokerage business 50% next year which is your target and given the time of this year?
Thomas Peterffy
I certainly hope so.
Niamh Alexander – KBW
Okay, fair enough. And then just a few questions I will follow-up and then I will get back in the line. Your write on the WR Hambrecht investment, does it mean that you have also kind of change your views and is important for shareholders on the auction pricing model or stock offerings?
Thomas Peterffy
I have not changed my views about the idea of the Hambrecht option, I think it's very fair way of doing it. The fact is, however, that there is not much business so investment banker [these days] and decide that it we was a prudent move to arrive the investment done.
Niamh Alexander – KBW
Okay. That's helpful. Thanks for taking my question, Thomas.
The next question from Louis Margolis with Select Advisors.
Louis Margolis - Select Advisors
Gentleman, congratulations for handling the volatility so well. My question is more long term, given your extensive capital strength, how do you consider significantly expanding your prime brokerage business.
Thomas Peterffy
We are working on this, yes. But that does not mean that we will provide a higher leverage than we are allowed to provide inside the United States. In other words unlike prime brokers who are not going to open account in London and then go around the leverage restrictions imposed by the SEC.
Louis Margolis - Select Advisors
Thank you.
And next we will move to [Greg Laden] with [Deking].
Greg Laden - Deking
I was going to ask about development in the quarter that would influence shifts in market share among the participants and you touched on it in that some of the competitors backed off. And I wanted to know why your market share in terms of brokerage actually the Market Making business in term of contract volume was lower than the proxies for the United States that you can talk about. I didn't think you talked in the past which may be intentional actions that you done in the past?
Thomas Peterffy
Our market share was surprisingly low in July in August and then it suddenly increased in September so while we were in Market Making -- where below 10% in July and August then it picked up in September when the free country it is left to see.
Greg Laden - Deking
So there are no additional intentional practices such as packing off longer dated options or anything else given the?
Thomas Peterffy
Except we refuse to compete I said that in the previous quarter that when these high frequency traders are coming and they go inside our court, it is not much or match our court there is not much point in making the tight court. So, I said in the previous quarter that we stop competing with them. And then as it happened the market share went down, as a result in July and then it picked up in September.
Greg Laden - Deking
My other question is just a clarification, so it sounds like [Nexis] good hire and there is a diminishing benefit as you get rising above 40. And then also as the volatility if it's too much of a range that's also starts to get to a negative?
Thomas Peterffy
Look, the fact is that additionally we around this business always being long volatility, so that if markets suddenly move a lit, it's beneficial to us. But the volatile can reach a level to reach it would be unwise to continue replenishing that long volatility position knowing truly well that one of these days that volatility will go back from 70 or whatever it is. And it's from 70 to back to something like 20s. Right? So, there comes a point where you just don't want to carry so much volatility.
Greg Laden - Deking
Okay. So, it's risk management in terms of your volatility of your P&L?
Thomas Peterffy
Greg Laden - Deking
Got it. Thanks.
And we have a follow-up from Niamh Alexander with KBW.
Niamh Alexander - KBW
Comments on just two quick questions if I may, there has been lot of we talked some of the competitor landscape, but and conceiving their cash position, do you think you are little bit more inclined maybe to acquire some goals and given how the market landscape has changed and maybe some competitors or some smaller business you will be more willing to sell.
And then the second question was just, what are the biggest the risks of your business right now, if that has changed or how is that change over the last nine months. Thanks so much.
Thomas Peterffy
We don't -- I mean we look at many things that comes by but we are not actively looking for an acquisition. And what was the second question?
Niamh Alexander - KBW
I was just asking this the risks to your business have changed in priority over the last few quarters. Can you help me walk me through that?
Thomas Peterffy
Well of course, the risk as I have always said was the strength of the pleading organizations. And obviously, we have been pretty nervous watching what's been happening and so far so good, but we still believe that one of the leading organizations had a problem that the government would probably crop them up. But there is not a lot we can do about that risk.
Niamh Alexander - KBW
Okay. And there were no disruption in this carry lending market or anything like that?
Thomas Peterffy
Let me ask Paul.
Paul Brody
We haven't had disruptions in our end of the business w do see that firms in general on a street are more aggressively trying to finance their stock inventory by raising their interest rate.
Niamh Alexander - KBW
Okay. That's helpful. Thanks again.
And we'll move next from follow up from Richard Repetto, Sandler O'Neill
Richard Repetto – Sandler O'Neill & Partners
Yes. Thomas, I was wondering, with September 19 -- sorry, 18, when they put in those ban on short selling financials, so I was trying to see whether that -- was it more favorable? Did that hurt your Market Making operations as well as the -- more the stronger commitments to deliver in 3 days?
Thomas Peterffy
Its -- we had to scramble but we were ready, in the morning we had to be ready and so I think that goes some favorable for us. Even though some of the programmers had to stay overnight, we were ready and that was favorable because some of the others were not.
Richard Repetto – Sandler O'Neill & Partners
And obviously, since that lined-up on volume, once they that lifted that, and well, but did that hinted volumes at least in the financial that probably wasn't favorable, why would they take from an auctioneer's standpoint?
Thomas Peterffy
No, somehow I would -- no, I wouldn't really say that because whenever there is a dislocation in the market, when relative values change because of our differential constraints, we can take advantage of those constraints. So, I would think that on balance, it was most favorable for us. Well, it is now 6:30 and we're going to have dinner. Thank you very much.
That does conclude today's conference. We do thank you for your participation. Have a great day.
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The $717B MLP sector was packed with newsworthy events this week pushing up the benchmark +.41% with a year to date total return of 16.16% as the majority of Q2 distributions are to be announced. Looks like another +20% total return year for the benchmark with 4% distribution set for the remainder of the year. This week's events included an EIA report indicating US refiners were running at record levels, while refinery MLPs were driven down by continued fears related to an expansion of condensate exports, which could both reduce the spreads and lower export demand for refined products.
Hedge Fund manager Perry Capital suggests paper and packaging stocks could double by dropping assets into an MLP structure. PwC provided a positive opinion on such a scenario, pushing paper stocks, (International Paper (NYSE:IP), Rock-Tenn (RKT)) up 10%. Such a suggestion is one that has likely caused the IRS to set a pause on new Private Letter Rulings. Paper packaging MLPs would be of low organic growth and would only serve to expand multiples and lower capital costs without stimulating further investment or growth.
This week also announced the pricing of three new MLP issues for the week of 7/28, including VTII Energy Partners, Westlake Chemical Partners and Transocean Partners.
M&A also appear again this week with BreitBurn Energy Partners (BBEP) announced a stock deal to acquire upstream MLP QR Energy LP (NYSE:QRE), which put in play many of the smaller E&P names speculated to be acquisition candidates.
Units Gainers
Upstream E&P units moved higher as the market speculated about future acquisitions post the BreitBurn acquisition. Atlas Energy LP (NYSE:ATLS) moved higher after announcing a 6.52% increase in their quarterly distribution. Emerge Energy Services LP (NYSE:EMES) had a very strong week, but sold off after they announced their lowest variable distribution increase since their IPO.
Tallgrass Energy Partners (NYSE:TEP), the MLP with the highest 3 year forecasted growth rate, announced plans to purchase 33% of the Pony Express pipeline for $600MM, which is expected to be accretive in 2015. The pipeline is converting from natgas to oil and will connect Guernsey, WY to Cushing, OK with operations commencing in Q3 2014. Mid-Con Energy Partners (NASDAQ:MCEP) announced a property acquisition in Creek County, OK for $52MM.
Distribution Announcements
The below table shows the change in distributions for units which reported this week.
Spotlight - High Growth Units
This week, MLPs with the highest forecasted 3 year Compounded Annual Growth rates for distributions had a down week as distributions fell short for some such as Oiltanking Partners (NYSE:OILT), and the condensate export topic impacted others such as Valero Energy Partners (NYSE:VLP) and Phillips 66 Partners (NYSE:PSXP)
New Issuance
Three new issues are expected to price this week. VTII Energy Partners (expected ticker VTTI), a $300MM terminal business owned by Vitol and MISC, with a $20 price target and 5.25% target yield . Westlake Chemical Partners (expected ticker WLKP), a $1.2B ethylene producer with a 200 mile pipeline, with a $20 price target and 5.5% target yield. Transocean Partners LLC (expected ticker RIGP), an operator of 3 ultra deep water rigs operating in the US Gulf of Mexico under long term contracts to BP and Chevron, with a $20 price target and 7.25% target yield which will be distributed as 1099 income.
To get this round-up each week, please make sure you are following MLPData here on Seeking Alpha. If you have a set of metrics you wish to see in future reports, please comment below.
All charts and tables provided by MLPData.com unless noted otherwise.
Disclosure: The author has no positions in any stocks mentioned, and no plans to initiate any positions within the next 72 hours. The author wrote this article themselves, and it expresses their own opinions. The author is not receiving compensation for it. The author has no business relationship with any company whose stock is mentioned in this article.


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Goldcorp (GG -1.5%), whose C$2.6B hostile bid for Osisko Mining (OSKFF -1.7%) was set to expire this Friday, says it is extending its offer until April 15 while it continues its due diligence process at Osisko's Malartic mine in Quebec.
In an attempt to thwart Goldcorp's offer, Osisko said Yamana Gold (AUY -1.5%) would buy a 50% stake in its mining and exploration assets for C$930M, and GG says it plans to complete an analysis of yesterday's proposal.
GG agreed last month not to take up and pay for shares that were deposited in favor of its bid before April 15, as part of a settlement with Osisko.


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Morningside Bungalow Study
The Edina Heritage Preservation Board recently completed the study "Historic Bungalows of the Morningside Neighborhood: A Multiple Property Study," prepared by Preservation Planning Consultant, Robert C. Vogel, financed in part by a Federal Certified Local Government (CLG) grant in 2010. The study:
- Defines bungalows, including specific categories of bungalows
- Provides the historical context of the development of the Morningside suburb, including the impact of the streetcar on that development
- Sets forth the methodology by which the Edina HPB will designate properties as Edina Heritage Landmarks.
As a result of the Study, approximately 135 Morningside homes, built between about 1905 and 1930, have been identified as possible candidates for designation as Edina Heritage Landmarks.
Bungalow Defined. A product of the American Arts and Crafts movement, the bungalow represented a major innovation in domestic architecture: a small comfortable house that provided homebuyers of modest means with the comforts and conveniences of a much larger, architect-designed house. For planning purposes, the Edina HPB uses the term "bungalow" to refer to a small, detached, single-family home constructed between 1905 and 1930 that is less than two full stories high, has a core footprint of less than 800 square feet, and exhibits any combination of the following American Arts and Crafts Movement design characteristics:
- Gable or hip roofs
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- Rustic landscaping featuring flower boxes, trellises or pergola
The Morningside Suburban Landscape. Morningside's residential landscape reflects several of the important broad themes in the pattern of suburban development in the Twin Cities area: the relatively high-density of people per square mile within the platted subdivisions, the architectural similarly of the houses and the dependence upon mass-transit. Between about 1905 and 1930, Morningside developers built several hundred new single –family homes, mostly bungalows, on standard-sized suburban lots along straight-line streets, replacing land previously occupied by farm fields and orchards. The population of Edina village (including Morningside) more than doubled between 1900 and 1920 from 749 to 1833; between 1920 and 1930, the number of residents living in the newly incorporated village of Morningside rose from just over 500 to 903.
Morningside: Edina's Streetcar Suburb. Morningside was situated on the outer edge of the Minneapolis urbanized area, far enough from the center city to require residents to commute to work. In 1905, the principal mode of transportation was the street railway or streetcar. The Minneapolis, Lyndale & Minnetonka Railway, organized in 1879, planned a stop in Morningside to be named "Grimes" after Jonathan and Eliza Grimes, whose home at 4200 West 44th Street is considered the birthplace of Morningside, but the segment west of Lake Calhoun was abandoned due to financial problems in 1886. The Como-Harriet Streetcar Line, using the right-of-way of the defunct Minneapolis, Lyndale & Minnetonka, providing service between Lake Harriet and Excelsior was opened on September 30, 1905, with important stops added in Morningside at 44th and France, 44th and Grimes and 44th and Wooddale. The Como-Harriet Line was the catalyst for the initial phase of residential development in Morningside. Workers living in Morningside could commute to factory jobs in Hopkins and office jobs in downtown Minneapolis. The streetcar also encouraged small retail and service businesses to set up near the stops, particularly along France Avenue between Morningside Road and 44th Street, increasing the economic vitality of the neighborhood and lowering the cost of living for everyone. Personal automobiles did not supplant the streetcar until the 1920s.
Designating a Morningside Bungalow as an Edina Heritage Landmark. To be eligible to be designated an Edina Heritage Landmark, a property must be associated with an important historic context and retain specific aspects of its historic integrity. Survey data shows that changes have taken place over the course of time in the appearance of most of the Morningside bungalows. Generally, a bungalow should be considered a potential heritage preservation resource when it has been altered from its original as–built appearance, but retains enough of its historic character-defining elements to achieve significance within its historic context. By ordinance, when a property is designated as an Edina Heritage Landmark, it must have a Plan of Treatment designed in partnership with the homeowner that provides general and specific guidelines for heritage resource management, including design review for Certificates of Appropriateness for demolition, new construction and moving buildings.
For more information about how you can apply to have your Morningside bungalow designated an Edina Heritage Landmark, contact Associate Planner Joyce Repya, 952-826-0462 or email@example.com.
|Download the complete "Historic Bungalows of the Morningside Neighborhood: A Multiple Property Study."
|Download a bulletin summarizing bungalows in the Morningside Neighborhood.
|Walking Tour Guide
|Download a walking tour guide of the area to view bungalows.
Edina To Go
Download the City's mobile app, Edina To Go! Report potholes, read City news, connect with the City, see live traffic cameras and more!


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Jose is gay. Nevertheless, the two are getting married. A 26-year-old illegal immigrant who came to this country when he was 13, Jose hasn't been back to his native Mexico City since leaving. He's assimilated down to his love of Beyoncé and horn-rimmed glasses. He did everything a young migrant is supposed to do in the United States: graduated high school near the top of his class and finished college magna cum laude. But Jose's degree in business from Cal State Fullerton is worthless without the legal means to work, so the Stanton resident earns a living by working the books for his cousin's landscaping service. He dreams of becoming an accountant but must wait, one of the millions of illegal immigrants who came to this country as children, knowing little of the native lands they left long ago yet relegated to a perverse limbo in which they are culturally, but not legally, Americans. –"What's a Little Marriage Fraud Between Amigos?" Gustavo Arellano, Village Voice
Celebrate the approaching Dog Days with National Lasagna Day!
soon to enlist with the Afghan National Police: Method Man and Redman;
canned giggles
The coarsest and most common of these sketches—which has gone through numerous variations down the centuries without conspicuous improvement—is what I think of as "the oblong game," a contest played out on a rectangle between two sides, each attempting to penetrate the other's territory to deposit some small object in the other's goal or end zone. All the sports built on this paradigm require considerable athletic prowess, admittedly, and each has its special tactics, of a limited and martial kind; but all of them are no more than crude, faltering lurches toward the archetype; entertaining, perhaps, but appealing more to the beast within us than to the angel. –"A Perfect Game," David B. Hart, First Things
A Zedonk, surprisingly, is not a reference to a large booty;
the cow and her unborn calf had to be taken down;
Tracy Kidder on craft
This sprawling history of the evolution of English should be fairly familiar to readers. But now we enter the murky territory of the present. The language enjoys unparalleled global currency, even though the rising powers of the 21st century are predominantly non-English speaking (countries like China, Russia, Brazil, and to a lesser extent, in this context, India). This important change speaks to modern English's happily neutral character, its emergence as the most practical medium for certain kinds of conversations and messages, regardless of origin. When businessmen from distant countries meet, they will most likely resort to a form of English, however slow and stumbling. When advertisers conjure slogans to build sleek, global brands, they often choose to plaster pithy English phrases (think of Adidas's "Impossible is nothing") on billboards around the world. –"Has English become Globish or is this gibberish?" Kanishk Tharoor, The National
More from Rafe Bartholomew:
Weekly Review — April 26, 2011, 12:00 am
Weekly Review — March 1, 2011, 12:00 am
Weekly Review — January 4, 2011, 12:00 am
Minutes after a tornado hit Shiloh, Illinois, in April that the town's warning siren sounded:
National Weather Service (Silver Spring, Md.)
A bowl of 4,000-year-old noodles was found in northwestern China; and a spokesman for the Chinese Academy of Sciences said that "this is the earliest empirical evidence of noodles ever found."
Rodrigo Duterte, the president of the Philippines, announced that he has ordered the country's navy and coast guard to bomb the ships of kidnappers even if civilian hostages are on board.
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"It is an interesting and somewhat macabre parlor game to play at a large gathering of one's acquaintances: to speculate who in a showdown would go Nazi. By now, I think I know. I have gone through the experience many times—in Germany, in Austria, and in France. I have come to know the types: the born Nazis, the Nazis whom democracy itself has created, the certain-to-be fellow-travelers. And I also know those who never, under any conceivable circumstances, would become Nazis."


text: Kuala Lumpur: Philippines beat East Timor 2-1 in a Tiger Cup Group B match on Tuesday. This was the Philippines' first-ever victory in the Tiger Cup since the tournament's inception in 1996 and denied tiny East Timor their maiden international victory. Former Benfica forward Jose Luis's Timor side had failed to score so far in their Tiger Cup debut. But Timor changed all that after a scoreless first-half, when Janurario Do Rego looped his free kick past Casas to make it 1-0 in the 59th minute. The Philippines finally got on the scoreboard in the 89th minute when substitute Emilio Caligdong broke through the Timorese defence to score the equaliser. East Timor would have been happy with the draw, but Emilio Caligdong struck again with just seconds left in injury time. (AP)


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Souvenirs and mementos tell the story of years spent on the road.
Hard Rock International Announces New Resort in Costa Rica
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The Student View
Don't just listen to us - listen to what our students have to say!
Will Sandry
Level 3 Furniture Design and Making
It is a very engaging course with good tutors who have great knowledge. I was very well supported throughout.
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Jess Hodges
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I have a lot to thank both the College and the tutors for; it has helped me decide what to do in the future.
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Rob Ferguson
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The support at the College has been really good. I needed to retake my maths GCSE for some of my choices and it was so easy to arrange.
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Louise Abbotts
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Ryan Jordan
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I think it is important not to take
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James Fernie
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The course at the Holme Lacy Campus gave me the grounding I needed in this industry.
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Ben Crosthwaite
Level 2 Dipoma in Blacksmithing
We have learnt a huge amount from this experience. Our tutor has again shown what a master he is of his craft.
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Gabriel Morris
Level 2 Dipoma in Engineering
HLC offers really good learner support which has meant I can really challenge myself and progress.
Course Details: Level 3 Extended Diploma in Engineering


text:
Discussion in 'Football Recruiting Forum' started by crales44, May 2, 2012.
Per this link.
I believe we are taking one MIKE in this class. It looks like Nick Sorrenti and Matt Galambos might be the top 2 candidates. We might end up battling Penn State for both.
Do you know what position the staff is recruiting him for? I think I like him better as a fullback. Looks like a heck of a blocker.
Isn't there a MIKE candidate in this freshman class? . I also thougt that Vigille might be a in the middle. No?
Maybe laxs Matt Walters can help us recruit this kid!
@. . . . . . . . . .
Collingdale (PA) Haverford linebacker Matt Galambos is scheduled to visit Syracuse today. He holds offers from SU, Pitt, RU, and Temple.
Some pics on his Facebook at Cuse! Was just at Pitt too...
Spoke with him and his friend Rich Pappas about their visit yesterday: http://www.nationoforange.com/content/matt-galambos-rich-pappas-talk-syracuse-visit-508/
"I have received 5 offers so far, so they're definitely in the top 5" - lol, awesome kid, thanks
Yeah, he didn't seem to be too "wowed" by Syracuse.
bummer, this kid is a player... Matt Alkire loves him at MIKE.
I didn't draw any conclusions from the interview. He didn't come across wowed or dissapointed. It was pretty vanilla.
That was how he sounded. Seems like he's done a bunch of interviews and sort of knows how they go.
Does he have a good relationship with Matt Walters on our Lax team? They are both Haverford kids! Maybe he'll put in a good word for us...
I highly doubt we offer his buddy, that kid's tiny.
Agreed, but wanted to do my due diligence.
Could be a walk-on candidate...maybe his 'rents have some $$$ to make up whatever difference an academic scholy won't cover.
BTW, BO I want to publically throw out some love to you...your website is doing a great job.
Thanks TexanMark that means a lot. I hope to be able to make a tailgate sometime this season. I appreciate your support and I'm glad to be able to provide SU fans and this forum with some info. This forum has been unbelievably supportive to me and the site. It's the best SU forum out there and I love coming here every day.
FWIW, and I'm not sure if it would be feasible in your situation, but have you ever considered using Skype as an interviewing tool. Nothing like a "face to face" interview.
Separate names with a comma.


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Octobrute: A Hipstapuss
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Silver Creek Board to meet with sheriff
SILVER CREEK – The Silver Creek Village Board will explore its police coverage options at a special meeting next week with representatives from the Chautauqua County Sheriff's Office.
The meeting will be held Tuesday at 7 p.m. at the Hanover Town Hall. The purpose of the meeting is to hear a presentation by the sheriff's department on an alternative proposal for police coverage that could potentially replace the existing Silver Creek Police Department and reduce the cost to the village taxpayers, according to a release.
"Basically, we are looking at how we can cut costs to village taxpayers and give people the same coverage. There is no commitment by having this meeting, we are just going to hear a presentation to see other options," Mayor Nick Piccolo explained. "Right now we have a chief, one full-time officer still on probation and part-timers. We don't have a fully manned police department as it is. We just want to see if this option will benefit the village. If it doesn't we will have to look at different avenues."
Piccolo said although he enjoys the protection of the village police, he understands being on a tight budget.
"I like the security of having our own police department. But, now I am retired and living on a limited income like many others in the village. … I think a lot of people realize luxuries have to come to an end some time," he said.
There will be an open question and answer session for village residents to ask any questions or address concerns to the sheriff about the proposal. Each resident will be given a three-minute time period for their question. All questions will be addressed directly to the Sheriff and/or his associate(s).
Residents will also have a brief opportunity to address the village board with any concerns that pertain to the presentation and the Silver Creek Village Police Department.
The village board encourages any and all residents to attend.
"We want people there so we can hear their input. We want to know if they are comfortable with what the sheriff is offering," Piccolo added.
He said anyone who cannot make it to the meeting can voice their concerns to him while he is in the office at the village hall all day on Tuesdays and Thursdays and most afternoons Mondays, Wednesdays and Fridays.