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In a recent article, Felix Salmon raised an inquiry as to why the spread between the S&P 500 earnings yield and the 10Y Treasury Bond yield - which he cited at 700 basis points - is at such unprecedented heights. Although he provided no definitive answers, he referred to the spike in the "earnings yield spread" as "the great divergence" and implied that it was potentially a market event of great significance.
It is good that Salmon has brought this issue to the fore, because I believe that for financial market participants, correctly divining the causes of this observed "great divergence" may be the single most important determinant of the investment performance of stocks and bonds in the next few years.
In this article I will first review the theory and empirics that underlie the importance of the earnings yield spread, relating this indicator to the better-known "Fed Model." I will then briefly outline some potential interpretations that could explain the "great divergence" of the earnings yield spread as well as the potential significance of these various scenarios for financial markets.
What Is the Earnings Yield Spread?
The earnings yield expresses a relationship between the earnings per share of a stock and its price - except that instead of expressing this relationship as a "multiple," (as in the PE ratio) it is expressed as a percentage "yield" in order to make it comparable to the yield on a bond. For example, for the S&P 500 as a whole the earnings yield is derived by 12-month forward EPS by the price of the stock. This figure is equivalent to the reciprocal of the 12-month forward PE of the S&P 500 index.
The earnings yield spread is defined as the difference between the earnings yield of a stock (or index of stocks) and the yield on the 10Y Treasury Bond. This indicator measures the difference between the rate of return required by holders of stocks and the rate of return demanded by holders of 10Y U.S. Treasury bonds (considered the "risk free rate").
Just as occurs with bonds, the yield on stocks has an inverse relationship to its price: Assuming all else remains equal, as the earnings yield rises the price of the stock becomes cheaper.
The earnings yield, the 10Y Treasury Bond yield and the earnings yield spread are simultaneously illustrated here in this graph provided by Salmon which covers the period ranging from 1985 to the present:
Please note that from the early 1980s through the early 2000s, the earnings yield spread very consistently mean-reverted around the 0% level.
The Earnings Yield Spread and the Fed Model
The observed empirical relationship between bond yields and earnings yields in the 1980s and 1990s helped give rise to the so-called "Fed Model." The so-called Fed model was not invented by the Fed. However, the model was popularized in the late 1990s due to reports that the Fed was using the model in order to gauge the valuation of stocks.
The Fed Model expresses the relationship between the 10Y Treasury Bond yield and the 12-month forward earnings yield as a ratio as opposed to a spread. However, note that the earnings yield ratio and the earnings yield spread are essentially the exact same thing.
According to the "Fed Model," when the earnings yield ratio reached a certain level above or below zero, stocks are considered to be overvalued or undervalued. The graph of the earnings yield spread provided by Salmon expresses the exact same relationship, except that it is expressed in terms of a spread rather than a ratio.
The Theoretical and Empirical Underpinning of the Fed Model
No matter whether one ultimately agrees with it, it must be admitted that the simplicity of the Fed Model (and the earnings yield spread model) has much to recommend it both theoretically and empirically. Consider:
- The Fed Model finds strong theoretical support in the fact that in a growth perpetuity calculation of the intrinsic valuation of the S&P 500, the earnings yield on stocks will equal the risk free rate (in this case the yield on the 10Y Treasury Bond) if the long-term growth rate of earnings is equal to the equity risk premium. In other words, if the equity risk premium is the same as the expected growth rate of earnings in perpetuity then the earnings yield of stocks should equal the yield on the 10Year Treasury Bond. Theoretically, this simple hypothesis is unassailable. Does empirical observation support the theory? Consider below:
- Since 1870, the inflation rate in the US has been roughly 2.1%, a rate consistent with modern Fed inflation targeting. The real rate of return on Treasury Bonds during this period averaged roughly 2.6%. This equates to a nominal yield of 4.7% on 10Y Treasury Bonds.
- Theoretically, it has been argued that in the long term, long term nominal bond yields should equal nominal GDP growth. This hypothesis is well supported by long-term historical evidence: In the U.S., nominal bond yields on 10Y Treasury bonds and nominal GDP growth rates have demonstrated a strong tendency to converge.
- The long-term sustainable rate of nominal GDP growth for the U.S. economy is usually forecasted in the range of 4.5%-5.0% (2.1% inflation +2.4%-2.9% real GDP growth). This range is supported both by economic theory and the long-term historical record.
- It is assumed that the long-term rate of earnings growth (in perpetuity) for the S&P 500 will be equal to the long-term rate of nominal GDP growth. Not only is such an assumption theoretically sound, the long-term historical record supports it.
- The equity risk premium is typically cited as being in the range of 4.5%-5.0%. This range is strongly supported by theory and is strongly supported by the long run excess returns of stocks versus bonds.
These basic historical facts permit the stylized assumption at the heart of the Fed Model that the equity risk premium equals (or cancels out) the growth rate of earnings in perpetuity.
Given these assumptions, the fair value for the S&P 500 occurs when the earnings yield on the S&P 500 equals the yield on the 10Y Treasury bond.
And indeed, from about 1980 through the early 2000s the earnings yield spread tended to mean revert around the 0% level, providing strong empirical support for the theory.
The "Great Divergence"
At the time of Salmon's cited article the consensus 12 month forward PE on the S&P 500 was around 11.7X (based on operating earnings). This translates to an earnings yield of approximately 8.5% (1/11.7). At the same time, the 10Y Treasury Bond yield was roughly 2.25%. Thus, the earnings yield spread was roughly 6.25%, or 625 basis points.
Note that according to the graph provided by Salmon, the earnings yield spread has historically only reached such heights during the peak of the 2008-2009 panic. Note that in the graph provided by Salmon, which goes back to 1985, the earnings yield spread diverged significantly from its long term mean in the mid 2000s and has not looked back, spiking violently in 2008-2009 and most recently in August of 2011.
The "great divergence," as Salmon described it, is of great potential significance to investors because it may indicate either one of two things:
- One possibility is that stocks and /or bonds are being priced inefficiently. This would suggest opportunities for investors to earn abnormal returns.
- The other possibility is that the "great divergence" in in the earnings yield ratio is signaling some "great divergence" or major change in the economic and financial futures of the United States. Specifically, according to this interpretation, the future looks very bleak.
Possible Interpretations of the "Great Divergence"
Below, I will briefly summarize possible explanations for the "great divergence." In a follow-up article, I will discuss these possible scenarios in greater detail. For now, here is the summary of the scenarios grouped into two broad hypotheses:
The Mispricing Hypothesis
This hypothesis contends that stocks and/or bonds grossly mispriced due to fear and panic amongst market participants. According to this view, the mispricing creates opportunities for investors to reap abnormal profits. There are three variations of this view:
- Treasury Bonds are extremely overvalued.
- Stocks are extremely undervalued.
- All of the above.
The Doomsday Hypothesis
This hypothesis contends that the upward spike in earnings yields spreads is correctly anticipating/discounting future fundamental changes in the U.S. economy and financial markets. According to this view, the future will be fundamentally different from the past, and it won't be pretty. There are various potential arguments in support of this view:
- Long-term GDP and EPS growth will be lower than in the past.
- Long-term profit margins will contract, and with it returns on capital invested.
- The long-term equity risk premium will rise.
- 10Y Bond yields will no longer be considered to be a "risk-free rate." 10Y yields will embed a significant risk premium to compensate for the risk of default and/or inflation associated with holding these bonds.
- Deflation/disinflation.
- The real rate of return on bonds WILL decrease.
- Back to the future. The future that awaits US investors will look more like the past - in particular, prior to 1960. Macroeconomic and financial conditions will become considerably more volatile, will entail more costs and will result in lower profitability.
Investment Implications
The "great divergence" in the equity yield ratio is of potentially profound significance to investors. Indeed, understanding this issue and divining it correctly will likely be the single most important driver to investment performance in the next few years.
The investment implications of either the "mispricing hypothesis" or the "doomsday hypothesis" are as diametrically opposite as they are profound.
Those that believe the former hypothesis will aggressively purchase stocks and/or aggressively sell bonds. By contrast, to the extent that the latter hypothesis proves more prescient, economic and financial conditions will deteriorate immensely in the next several years and owners of stocks may suffer devastating losses while short-sellers of bonds could incur similar drawdowns.
In a follow up article, I will discuss a number of different scenarios and possibilities in greater detail so as to correctly frame the discussion.
Disclosure: I have no positions in any stocks mentioned, and no plans to initiate any positions within the next 72 hours.


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I'm new to the Forum. Just purchased the Audeze LCD-3s. I'm looking to pair them with either the fully balanced Woo WA22 tube amp or the fully balanced SS Ray Samuals Dark Star. Leaning toward the Woo but concerned about it having enough power to drive the LCD-3s (which are 60ohms phones) to their full potenial. The Woo people state that the WA22 is1500mW (1.5 watts) at 60ohms. My source components are balanced, a Bel Canto Dac 2.5 cabled to a Bel Canto CD3t transport with Acoustic Zen's MC2=Zen XLR. I will be using an Acoustic Zen Gargantua II power cable with the amp I end up buying. I mainly listen to prog rock, and jazz. Any experience with these amps or suggestions would be greatly appreciated.
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7/20/12 at 2:37pm
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subset: commoncrawl


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The clocks 'spring ahead' this weekend, but it already feels like the season's warmer weather has arrived in the Forest City.
It's great news for three City of London golf courses, which open for the season at 9a.m. Friday morning following one of their shortest winter breaks in recent memory.
It's been a tough season for Boler Mountain, on the other hand, but they're determined to make the most of the mild temperatures.
"We did fire the snow guns back up for the first week of March when it was colder just to try to stockpile and have a little extra supply on hand that we could push around just in case the temperatures did come through," said Greg Strauss with the Boler management team.
"We're hanging in their so far… We've lost a few runs, we're down to nine of the 15 runs that are still open. But we're hoping that we can get through into next week, and again conditions are still good, the runs that are still open have good snow depth on them," said Strauss.
Strauss said they've assigned staff to begin preparing to open Boler's Tree Top Adventure Park.
"Normally we wouldn't open it until late April, but because of the warm temperatures forecast it should be a great outing," he said . "So we will run that next week, it'll be open from 9:30 to 4:30 Monday right through to Sunday and hopefully we'll have all three going."
Meantime, local golf officials didn't get much of a break this winter season.
"It's definitely the shortest time between closing and starting again," said Division Manager of Parks and Community Sports Scott Stafford. "I played myself on Christmas eve, and can't believe I may get out this weekend, it's hard to believe [but] it's great."
The Thames Valley Classic and Hickory courses, as well as the Fanshawe Traditional Course open Friday morning, with an added incentive for avid players.
"Conditions certainly aren't as great as they are once we get into May so we have a spring rate that we go on, so it's not a typical rate," Stafford said.
For information on times and rates for the city-owned courses can be found here.
The first day of spring, by the way, is March 20th.


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Virtual Property Tycoon FAST Online Money Making Masterplan
Virtual Property Tycoon FAST Online Money Making Masterplan
"Underground Industry Insider Finally Reveals His Secret Formula On How In Just Two Hours FREE Easily Accesible Online Information Can Be Turned Into $30,000 – $60,000+ Pay Days…From Home!"
Exposed At Last: The Invisible Secret That Online 'Virtual Property' Millionaires Are Using Mercilessly To Turn FREE-TO-ALL Information Into Huge And Fast Lump Sum Payouts Without Any Marketing Know How, Customers Or Even Any Technical Knowledge
This IS NOT about land, buildings and people looking for a place to live in (relief!). This IS about 'Virtual Property', which, is MUCH faster, cleaner (home based), lower risk, cheaper (as in FREE!) and easy-as-pie to turn a profit by following a simple set of instructions.
In this short letter i'm going to reveal exactly how to copy the entrepreneurs' success – but without all the hard work and by exploiting a little known "money loophole".
A couple of years ago I met a guy who revealed his astonishingly simple secret to me. All he had done was written two quality ebooks and then sold them on a simple membership site where people paid him $37 a month for a resellers license to the ebooks, or $296 for a years membership. However, this was different to usual resell rights offers as he was selling the raw format 'virtual property' versions so people could add their own name and make any changes they wanted. In essence he gave his customers a complete instant business. He placed one small advert in an ezine (email magazine) at a cost of $118, which, over the course of one month brought in over $4,500. Not millions but a very tasty return. After discovering this ingenious business model he just kept rinsing and repeating the entire process. To this day he still has people paying him the $37 a month for access to that site. Bottom line is this works like crazy.
Sceptical that my new friend's system might just be a…
Site Preview
Rating: 7 out of 10 (from 10 votes)


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Food Van Hire Queen Adelaide
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Check in from 12h / Check out prior to 12h
Mercure Colmar Centre Champ de Mars: Find photos, reviews, information, amenities and compare prices for 4 stars hotels in Colmar, France.
Mercure Colmar Centre Champ de Mars provides 4-star accommodation in Colmar. This cosy hotel is an ideal choice for exploring the local vineyards as it is set in the Alsace Wine Region.
Hotel description
Amenities at Mercure include luggage store, a tour desk and a 24-hour reception with express check-in/check-out. Corporate facilities include meeting rooms.
The cosy rooms at Mercure Colmar Centre Champ de Mars include a mini bar, a flat-screen TV and wireless internet access. All offer a private bathroom where a shower and a hair dryer can be found.
In-house dining options include a restaurant, which is an ideal spot to enjoy a meal. Each evening, guests are welcome to enjoy a drink in the comfortable lounge bar. A selection of cafés and restaurants are also found in the area.
Mercure is ideally located for sightseeing in Colmar with the House of the Heads, the Unterlinden Museum and Theatre Municipal de Colmar within walking distance. The hotel's multilingual staff will make sure that every guest has an enjoyable stay.
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Room Service, Restaurant, Bar / Lounge, Air Conditioned, Mini Bar, Hair Dryer, TV, Shower, En suite
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Mercure Colmar Centre Unterlinden
15 Rue Golbery, Colmar
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La Maison des Tetes
19 rue des Tetes, Colmar
19 rue des Tetes, Colmar
Appart'hotel Odalys La Rose d'Argent
Avenue d'Alsace, Colmar
Avenue d'Alsace, Colmar
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- Romantic Studio Center
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Welcome to Motiva Performance
NEW! Motiva performance is now New Mexico's Only APR dealer and installer! We offer all APR products for Volkswagen, Audi and Porsche. This is a fantastic product and all of our customers have been thrilled with the gains. Contact us today to get a quote for yours.
Motiva Performance located in Albuquerque is New Mexico's #1 Performance shop. Performance Parts and Installation. 2 Wheel Drive and All Wheel Drive Dyno Tuning in New Mexico. Providing horsepower for your ride from only $20 per horsepower.
We modify, repair and maintain: GM, Chrysler, Ford, Subaru, Mitsubishi, Nissan and now Porsche and Audi! From replacing your alternator to building a 1000 hp daily driver and everything in between we are the one stop shop for your performance car or truck.
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Control over our data
Anybody who uses the Internet uses, creates and leaves data behind. While in the past site visits were recorded in the depths of server log files rarely to surface again, these and related data are now the currency of the 21st century. Services are exchanged for data, this is the business model shared by Google, Amazon and many others. But people are becoming more aware that the uninhibited acquisition of their personal data may have negative consequences and no longer trust that their data is protected on the Internet.


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On the right side of this website is a list of popular Lake Norman Communities (subdivisions).
On the left side is links to other helpful websites and functions to help you with Lake Norman Real Estate.
Contact your Lake Norman Area Agent today to get your personalized list of properties.
Office – 704 594-3014
Fax – 704 631 4998
Company – Carolina Living Real Estate
Broker/Realtor – Roby Robertson -704 451-7051


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Q & A: Ving Rhames on Preparation, Actors vs. Movie Stars and Fighting Zombies
Ving: "If you're working constantly at your craft you should always be growing, improving, learning"
Viggo Mortensen on His First Movie Role and Why It Didn't Bring Him Instant Success
"I've always stuck to a similar approach with each job. Show up on time and prepared, and pay attention." - Viggo Mortensen
Octavia Spencer on Period Pieces: "I don't come out of the time period; I stay in it"
"I listen to music of the time and I only deal with family and friends that are on the film" - Octavia Spencer
Tom Hardy on How He Prepared for His Role in 'Taboo'
"I really think about acting in two different parts. There's convincing and not convincing acting." - Tom Hardy
Greta Gerwig's Advice to New Actors: "Make your own things"
"When I suddenly feel like I can't find my footing, I listen to a song or look at a photograph or read an essay, and reconnect with what I felt the essence of the character was." - Greta Gerwig
Viggo Mortensen on How He Became an Actor
"It didn't occur to me to try acting it until I was, for an actor, relatively pretty old — 22 or 23." - Viggo Mortensen


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Getting Here and Parking
Free parking is available in the city-owned lots, as well as side streets located off Broadway. There is no parking on Broadway itself.
Staging for Parade Participants will begin after 11am in the parking lot behind the Old Broadway on NP Avenue. The earlier you arrive, the closer to the front of the parade you will be.
Broadway will be closed to general traffic immediately before and during the parade.
Donate – Spectators and Participants
Spectators and participants can donate to the parade through our GoFundMe page
Donate – Businesses
You can also choose to become a sponsor of the parade! Just click the button below and fill out our sponsor form.
Be part of the Parade! Everyone is welcome and registration is FREE.
A BIG thank you to the sponsors who make this parade possible. To become a sponsor, contact Kim at firstname.lastname@example.com or 701-367-3635.
- Bell State Bank & Trust
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- Case International
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6 posts tagged with compassion by homunculus.
Displaying 1 through 6 of 6.
Craniosynostosis in the Middle Pleistocene
"Attention regulation and monitoring in meditation" (PDF). A recent article in Trends in Cognitive Sciences on the neuroscience of meditation, focusing on how meditation alters and sharpens the brain's attention systems. The research is being done at the Waisman Laboratory for Brain Imaging and Behavior (previously), who have also recently published research on the "Regulation of the neural circuitry of emotion by compassion meditation" (PDF), which describes how meditation can cultivate compassion by physically affecting brain regions that play a role in empathy. They shared this research with the Dalai Lama at the recent Seeds of Compassion forum.
Cats and War
What Cats Know About War. A reporter adopts cats to reconnect with life amid unremitting death. [Via linkfilter.] [more inside]
Many of World's Poor Suffer in Pain
Drugs Banned, Many of World's Poor Suffer in Pain "Millions of people die in pain because they cannot get morphine, which is legal for medical use in most nations." [Via TalkLeft.]
Pain Management as a Human Right
Recognizing Pain Management as a Fundamental Human Right. These pieces from the journal of the International Anesthesia Research Society argue that under-treated chronic pain is becoming a public health crisis which must be addressed. But a warning to pain doctors in the U.S. who prescribe opioids in doses that seem high to narcotics agents and prosecutors: "Be afraid." [Via Hit & Run and TalkLeft.]
Meditation and neuroplasticity
Meditation and neuroplasticity. A new study (PDF) describes the changes in the brains of Buddhist monks, using fMRI to scan their brains while they practice compassion meditation. The project was a collaboration between the University of Wisconsin and the Shechen Monastery in Nepal.
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Harris County High School Alumni
Harris County Alumni Photos
What is this site?
- Send messages to alumni
- View HCHS Alumni Profiles
- Share your memories
- Share photos with others
- Discuss past activities
Click on the Yearbooks below to view a copy Online at Classmates.com®. If you don't see your class's yearbook, check out our yearbook page.
Famous Alumni
There are currently no Harris County notable alumni listed. Be the first to add an HCHS famous alumni.
If you know someone who graduated from HCHS in Hamilton, GA that has passed away, you can create a memorial for them.
- Class of 2003 Richard Vandyke
- Ashley Tucker
- Class of 1995 Michelle Arnold
- Class of 2008 Lauren Gray
- Carl Miller
- Class of 2017 Alden Spicer
- Class of 1977 Allan Crawford
- Jason Johnson
- Class of 2014 Brandon Wright
- Class of 1975 Corquetta Johnson
- Class of 2011 Lyndsey Jones Richards
- Class of 2011 Lyndsey Jones
- Nick Doleman
- Class of 1995 Scott Gates
- Scott Gatea
- Keith Stewart
- Class of 1977 Velma Cooper
- Class of 2000 Keosha Walker
- Class of 2000 Bryan Adams
- Class of 1982 Laurie Liwman
Harris County Alumni Merchandise
Even if alumni from Harris County High School have moved away from Hamilton, Georgia, they can use this site to find and contact high school friends. Don't forget to upload your Harris County High School pictures and check on the latest info about any Harris County High School reunion. While you are reminiscing about the times you spent in high school at Harris County High School, you should also check out alumni photos, yearbook listings and share any reunion info if possible.


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CollegeFuckParties - Alvira, Inez, Poly - Weekend Bash With Sexy College Chicks Part 1 [SD]
This week was a fucking nightmare! So many boring lectures, so much time spent on homework, no fun at all. But finally it's weekend, and we decided to really have a blast! We rented a huge house in the country, where nobody would disturb us. We bought tons of beer, and we called the hottest college girls up. The young student girls were as fed up with studies as we were, so they were happy to escape to the country for the whole weekend. Yeah, we spent almost all of our money on this hot sex party, but it was definitely worth it! The big house with lots of comfy rooms and even a billiards table impressed the hot college chicks so much, they got very excited and horny at once. After a while we decided that our clothes wasn't necessary at all, it was so much better to party naked
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5-02-2015, 19:54Viewing:103Comments: 0


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Based in Portland, OR, Semler Scientific (NASDAQ:SMLR) scheduled a $15 million IPO on the Nasdaq with a market capitalization of $62 million at a price range midpoint of $13 for Friday, February 14, 2014. Update: SMLR price range lowered to $7.50-$9.50. The conclusion remains the same.
The full IPO calendar is available at IPOpremium.
SEC Documents
Manager, Joint managers: Aegis Capital Corp.
Co-Managers: None
SMLR has a patented blood pressure cuff for extremities, to help diagnose cardiovascular problems.
SMLR leases and doesn't sell, to internists and primary care physicians. Lease revenue for the nine months ended September '13 was up 114% to $1.5 million, with a $1.7 million loss.
Valuation Ratios
Price /
Price /
Price /
Price /
% offered
annualizing Sept 9 mos
Cap (MM)
in IPO
Semler Scientific
The rating on SMLR is neutral but with a watch.
The stock market likes recurring lease revenue, and SMLR appears on its way to developing a meaningful recurring revenue stream. If SMLR can approach break even then company's stock will be a lot higher.
To put the conclusions and observations in context, the following is reorganized, edited and summarized from the full S-1 referenced above:
SMLR is an emerging medical risk-assessment company, with a device that measures blood flow at the extremities.
SMLR has one patented and FDA cleared product, FloChec™, that is marketed and lease to customers.
SMLR began commercially leasing FloChec™ in January 2011.
FloChec™ is a four-minute in-office blood flow test. Healthcare providers can use blood flow measurements as part of their examinations of a patient's vascular condition, including assessments of patients who have vascular disease.
FloChec™ is used in the office setting to allow providers to measure arterial blood flow in the extremities and is a useful tool for internists and primary care physicians for whom it was previously impractical to conduct blood flow measurements.
FloChec™ received FDA 510(k) clearance in February 2010, SMLR began Beta testing in the third quarter of 2010, and it began commercially leasing FloChec™ in January 2011.
Intellectual property
SMLR has been issued one patent for its apparatus and method, U.S. Patent No. 7,628,760, which expires December 7, 2026. Three other U.S. patent applications are pending. Other patents are in process.
FloChec™ received FDA 510(k) clearance in February 2010 as a Class II Medical Device. Advanced Vascular Technologies, an entity formerly affiliated with SMLR's founder and Chairman, Dr. Semler, applied for and obtained for the 510(k) clearance.
However, any interests it may have had in such 510(k) clearance were subsequently assigned to SMLR and it did not manufacture any products for its company. The Class II Medical Device designation means that FloChec™ is a commercial device and is currently being sold in the United States. Class II devices are subject to FDA's general controls, and any other special controls as deemed necessary by FDA to provide reasonable assurance of the safety and effectiveness of the device.
The principal competitor for FloChec™ is the standard blood pressure cuff ankle-brachial index, or ABI, device.
FloChec™ does not include a blood pressure cuff. SMLR is not aware of another product that performs digital ABI without the use of a blood pressure cuff.
There are several companies that manufacture the traditional ABI device, which range in price from $2,500 to $20,000. Some of these companies are much larger than SMLR and have more financial resources and their own distributor network.
5% stockholders
GPG SSF Investments 10.2%
Eric Semler 18.6%
Dr. & Mrs. Semler 26.8%
William H.C. Chang 31.1%
Dinesh Gupta 5.5%
Dr. Douglas Murphy-Chutorian 8.4%
Use of proceeds
SMLR expects to net $12.82 million from its IPO. Proceeds are allocated as follows:
working capital and general corporate purposes.
54% of the proceeds to invest in SMLR's sales and marketing efforts to commercialize its product, and use 32% for general and administrative expenditures, including addressing compliance with U.S. public company requirements, such as hiring additional personnel and investing in SMLR's corporate infrastructure.
Disclaimer: This SMLR IPO report is based on a reading and analysis of SMLR's S-1 filing, which can be found here, and a separate, independent analysis by IPOdesktop.com. There are no unattributed direct quotes in this article.
Disclosure: I have no positions in any stocks mentioned, and no plans to initiate any positions within the next 72 hours. 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.


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The Cherry Grove Nightstand II suggests traditionally-themed sophistication at your bedside. An ornately carved full-width apron and thickly flared block feet combine with a mold detailed base and crown to provide the Cherry Grove with an elegant visual distinction, while three deep drawers each adorned with a pair of bail handles offer ample storage. A cherry wood finish completes the look and appeal of the Cherry Grove Nightstand II.
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Through the years, the Cherry Grove collection has become legendary and often imitated. Inspired by furniture found in the mansions of 18th century Virginian plantations, the collection continues to hold true to America's traditional values while also adapting to the changes.
With a fresh approach to traditional, updated with today's functionality, style and scale. American Drew has taken a look at how people live, and put together pieces that although traditional, are functional and modular. The collection makes small rooms work like big rooms, taking functionality to a lifestyle level and allowing urban or scaled-down living spaces to become entertainment areas.
American Drew Cherry Grove Landscape Mirror.
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The Cherry Grove collection is an American Drew staple. Over 50 years old, this collection is a contemporary spin on 18th Victorian era fine furniture. A signature feature of the cherry grove collection is the wonderful flared table legs. The legs of many of the sofa tables, end table and desks, have a wonderful shape


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CKE Restaurants (CKR) reported earnings on Wednesday, Jun 25. Optically, it looked like the company performed well, meeting revenue estimates and exceeding EPS consensus (31c reported vs 27c consensus). However, a deeper look reveals this to be an illusion. Operating income was down YoY, and yet EPS was up 35%, which looks strange. The company attributed this to a lower share count from share buybacks. But still, this is not the full story…
First, the company recognized a lower tax rate than expected (36% rather than 41%), which contributed 3c of EPS. But what caught my eye was that interest expense was down in spite of debt being up a lot. (As I pointed out in my previous note ["CKE Restaurants Looks Overvalued"], the company is not generating any cash and has funded its share buybacks through increased debt.) The company recognized only $4.6Mn in interest expense, while a 7% interest rate applied on its $400Mn in debt for the 16 week period would amount to $8.6Mn. So why was the interest expense so low? The company didn't say anything in its press release.
In previous quarters, the company has pointed out the charge it took for marking to market its interest rate swaps to explain the elevated level of interest expense. In my previous analysis, I had "pro-forma'd" this out as it is a non-cash expense. It looks like this quarter the company had a benefit, but decided to keep mum about it! That tells you something about management – shout out "one-time" charges, but try to hide equivalent benefits.
The interest expense benefit of $4Mn amounts to another 4c per share after-tax. So add it to the tax benefit, and you get adjusted or recurring EPS of 24c for the quarter, missing the consensus estimate of 27c.
Sometimes, headline numbers can be deceiving.
Disclosure: Author has a short position in CKR


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Nice to see that the ES10 is finally getting some love here on head-fi. I've owned them for almost four and a half years now and never even once thought about selling them. I think that says allot.
It definitely needs an amp to shine IMO. But for people who want this great headphone to sound even better and open up even more, I would definitely recommend a cable upgrade. The ES10 has very large full sized headphone drivers that are paired with a very thin cable. This I believe leaves the driver not being able to perform to it's fullest potential. The original cable also has a little bit to much resistance. Upgrading this to a thicker lower resistance cable will definitely tighten everything up and widen the soundstage. You'll still have that great sounding bass but it is more airy and tighter which I like for this headphone. Definitely more detail and wider soundstage with details popping out from a sense of direction which makes it very enjoyable to listen to. The cable upgrade is a huge improvement for the ES10. You have some headphones that will benefit a little from cable upgrades and some that it has a huge effect on and almost makes it sound like you're listening to another headphone altogether. With the ES10 leaning towards the latter.
I personally used a cable intended for digital audio (AES/EBU) but came highly recommended as a good microphone cable. From what I understand microphone cables make excellent headphone cables as well. And having tried a couple of different mic cables I ended up with a pretty thick cable but it was the best sounding one IMO (I originally wanted a thinner cable).
Here are some pictures of the ES10 with the cable upgrade. I went with white shrink tubing and cable sock because I thought it looked really sexy on the ES10 with the titanium earcups :p.
Edited by zool - 5/20/14 at 8:04am


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That divisional round was something special, wasn't it? If you did not happen to watch it, there is a ton of stuff you missed. To give some quick insight on some of what you may have missed, this past weekend gave us:
- The most combined points in a divisional playoff weekend in history (276; an average of 69 per game) with every team scoring at least 28 points
- Ray Lewis and the Ravens overcoming the odds to go on the road and beat Peyton Manning for the first time since 2001 and continue his strange trend of faltering in the playoffs (9-11 overall now); it's the sixth straight year with an upset of this proportion in this round
- The huge plays by the Joe Flacco and the Ravens' passing game (two long TDs to Torrey Smith against Champ Bailey; the "Baltimore Bomb" to Jacoby Jones to tie it up and get it to overtime)
- The amazing playoff debut of Colin Kaepernick, who absolutely destroyed the Packers (263 yards passing, 181 yards rushing, 4 total TDs)
- Atlanta finally breaking through in the playoffs and getting that elusive first win
- Russell Wilson and his Seahawks almost tearing that win away from the Falcons after being down by 20-0 and 27-7 at different points in the game
- Tom Brady becoming the all-time leader in playoff wins (17) while leading his Patriots to another rout of the Texans
And that was just some of the greatness this slate of games gave us. My picks didn't do well (1-3), but that's always secondary to getting to watch and enjoy the sport I love. I'll just try again next year for that elusive 11-0 playoff picking record. As for now, I'll keep trekking through these playoffs and see if I can still salvage a decent record. Onward!


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Check in from 14h / Check out prior to 11h
Ramada Buenos Aires: Find photos, reviews, information, amenities and compare prices for 4 stars hotels in Vicente Lopez, Argentina.
Ramada Buenos Aires offers 4-star accommodation in Vicente Lopez. The various facilities this unique hotel has to offer include parking, a wake-up service and a laundry service.
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Equipped to ensure a comfortable stay, rooms at Ramada have a mini bar, a flat-screen TV and a laptop safe. There are also a number of rooms geared towards families.
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Topic: trademarks
Foursquare Unveils Its Own New Logo (Don't Worry, It's SFW)
Company also prepping an app redesign
By Christopher Heine on Jul. 23, 2014 - 12:28 PM EDT
Exactly one week after Airbnb's logo redesign went viral because people thought it looked like human genitalia, Foursquare is unveiling a new logo and app redesign. And fortunately for Foursquare,…
The Redskins Have Been Stripped of Their Trademarks [Updated]
Team will appeal its right to seize your homemade jerseys
By Sam Thielman on Jun. 18, 2014 - 12:04 PM EDT
Update: That's it for the name "Washington Redskins," at least as far as legally protected trademark status goes. The appeals board at the U.S. Patent and Trademark Office has stripped…
Chobani Gets Sued in a Case That Hinges on a Tweet
Author cites Twitter message in trademark infringement claim
By Christopher Heine on Jun. 4, 2014 - 6:17 PM EDT
Chobani and its agency Droga5 are being sued by inspirational author Dov Seidman, who is claiming the yogurt infringed on his trademark while lifting core concepts from his 2011 book,…
Icann: Brands Are at Risk of Domain Abuse With New Top Level Domains
Advertisers: That's exactly what we said when you started this
By Katy Bachman on Feb. 7, 2014 - 2:02 PM EST
Try to follow this. Icann, the international organization that has begun to roll out hundreds of new generic top level domains over the objections of brands worried about domain abuse,…
The First New 7 Top-Level Domains Go Live Today
All you need to know about the new Web suffixes
By Katy Bachman on Jan. 29, 2014 - 6:01 AM EST
What's happening? Starting today (Jan. 29), the first seven of hundreds of new generic top-level Web domains—the suffixes that appear to the right of the dot in a domain name address—will…
Brands Facing Dot-Com Domain Identity Crisis
As Icann readies roll out, marketers and media outlets will spend millions
By Katy Bachman on Apr. 1, 2013 - 11:48 AM EDT
Companies looking to protect their brand identity on the Internet from phishers and cybersquatters will soon be faced with a dot-com identity crisis. Beginning as soon as April 23, Icann, the…
Jam War Spreads to Federal Court
Smucker's sued by Bonne Maman owner over shared plaid lid design
By Janon Fisher on Aug. 9, 2011 - 6:28 AM EDT
A French jelly manufacturer says that J.M. Smucker's has put them in a jam by stealing their customers with their new line of upmarket fruit preserves, according to a recent…
Judge Says Apple Can't Stop Amazon From Using 'App Store'
Also: games are the most popular apps
By Emma Bazilian on Jul. 7, 2011 - 1:45 PM EDT
Although "App Store" might conjure images of Apple's online app downloading mecca for many people, one U.S. judge says that doesn't mean that no one else can use the name. Last…
Huey Newton Foundation Sues CafePress
Use of his image is a trademark violation, suit claims
By Janon Fisher on Jun. 2, 2011 - 6:36 AM EDT
The widow of Black Panther Party-co-founder Dr. Huey P. Newton is suing a California clothing company for $2 million for unauthorized use of his likeness. Fredrika Newton is accusing CafePress of…
In Case You Missed It on Adweek.com…
By Elena Malykhina on May. 20, 2011 - 11:22 AM EDT
A recap of our five most popular stories this week: For 50 years, television was a man's business. So when Adweek ran a story showing that the most powerful people in…


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The product icon API in webpay (bug 848675) is disabled because of authentication issues. This is a placeholder to re-enable it.
Disabled: https://github.com/mozilla/webpay/commit/70f34db8b86cc5c7da2e01963302f76dbe5e93b0
We're trying to get more logging to figure this out. The error you see in webpay is:
Apr 22 11:58:19 celery1.dev.addons.phx1.mozilla.com: [] z.celery:ERROR Celery TASK exception: HttpClientError: Client Error 401: https://marketplace-dev.allizom.org/api/webpay/product/icon/ ...
Added in lots and lots of logging.
Got to this. The headers being sent are:
Apr 22 16:23:18 dev2.addons.phx1.mozilla.com: [<anon>][220.127.116.11] z.api:INFO Headers: OAuth realm="" :/data/www/addons-dev.allizom.org/zamboni/mkt/api/authentication.py:85
Just a bit missing then.
Apr 22 16:23:18 dev2.addons.phx1.mozilla.com: [<anon>][184.108.40.206] z.api:ERROR ValueError on verifying_request :/data/www/addons-dev.allizom.org/zamboni/mkt/api/authentication.py:117#012Traceback (most recent call last):#012 File "/data/www/addons-dev.allizom.org/zamboni/mkt/api/authentication.py", line 115, in is_authenticated#012 require_resource_owner=False)#012 File "/data/www/addons-dev.allizom.org/venv/lib/python2.6/site-packages/oauthlib/oauth1/rfc5849/__init__.py", line 849, in verify_request#012 signature_type, params, oauth_params = self._get_signature_type_and_params(request)#012 File "/data/www/addons-dev.allizom.org/venv/lib/python2.6/site-packages/oauthlib/oauth1/rfc5849/__init__.py", line 605, in _get_signature_type_and_params#012 raise ValueError('oauth_ params are missing. Could not determine signature type.')#012ValueError: oauth_ params are missing. Could not determine signature type.
Is then the error. Next figuring out why.
I'd like to have proof if possible from jason or oremj that something wierd isn't happening with requests here. From everything I can tell they are being sent correctly, just not being received correctly.
Works locally.
Sending the same kind of wrong header locally produces the same kind of error.
I note the same error happens with other webpay OAuth api, such as failure, so it's not limited to this API.
Jason or oremj, can you spend some time in a shell with TCPDump or something with me please?
If you change webpay to connect to marketplace without HTTPS it works just fine:
[email@example.com webpay]$ ../venv/bin/python manage.py shell
Python 2.6.6 (r266:84292, Oct 12 2012, 14:23:48)
[GCC 4.4.6 20120305 (Red Hat 4.4.6-4)] on linux2
Type "help", "copyright", "credits" or "license" for more information.
>>> from django.conf import settings
>>> settings.MARKETPLACE_URL = 'http://127.0.0.1:10002'
>>> from lib.marketplace.api import client
>>> client.slumber.api.v1.webpay.product.icon.get(data={'url':'http://test'})
{'meta': {'previous': None, 'total_count': 4, 'offset': 0...}
The logs:
[email@example.com ~]$ tail -f logs/http_app_addons_marketplacedev/2013/04/2013-04-23 | grep api
Apr 23 12:00:09 dev1.addons.phx1.mozilla.com: [<anon>][127.0.0.1] z.api:INFO Request: /api/v1/webpay/product/icon/ :/data/www/addons-dev.allizom.org/zamboni/mkt/api/base.py:74
Apr 23 12:00:09 dev1.addons.phx1.mozilla.com: [<anon>][127.0.0.1] z.api:INFO Headers: OAuth realm="", oauth_body_hash="2jmj7l5rSw0yVb%2FvlWAYkK%2FYBwk%3D", oauth_nonce="65933570", oauth ..[snipped]
Apr 23 12:00:09 dev1.addons.phx1.mozilla.com: [<anon>][127.0.0.1] z.api:INFO Authorizer PermissionAuthorization returned: True :/data/www/addons-dev.allizom.org/zamboni/mkt/api/authorization.py:39
Jason disabled a "addons-dev-fix-auth" script in Zeus and things started to work again.
We added 'addons-dev-fix-auth' Zeus traffic script to fix a issue with github web hooks to addons-updater service. github was sending double Authentication headers which Zeus combined and caused nginx HTTP basic auth to fail.
It looks like github fixed this on their end now and we no longer need this traffic script.
Kumar, I think you can re-enable now.
I re-enabled it on dev to test as of https://github.com/mozilla/webpay/commit/3ac3198e05a8f5a75ae57e631d6799272ed1f19b but bug 863487 is making it hard to test. I think because I got that far that it's working though.
re-enabled on stage https://github.com/mozilla/webpay/commit/337a8d937e13f1c1c17c0dda3683637396a9e138
I got a 401 on stage:
HttpClientError: Client Error 401: https://marketplace.allizom.org/api/v1/webpay/product/icon/
so I disabled it again. I can't seem to find what the actual problem is though. Can anyone tell if this is still the same header issue? Maybe stage just needs the right oauth credentials?
Is everything from bug 860113 configured right?
Now icons seem to be broken everywhere (not just stage) so I disabled them everywhere in https://github.com/mozilla/webpay/commit/a352322a6e7018f3bf9f6a675b2eeadf8c4dc849
The error on dev is the same: http://sentry.dmz.phx1.mozilla.com/addons/marketplace-dev-webpay/group/13719/
Client Error 401: https://marketplace-dev.allizom.org/api/v1/webpay/product/icon/
Thanks for the fix, Andy! It's working in dev. We will enable it Monday morning on stage so we don't ruin the CET morning if something goes wrong.
product icons are enabled on stage and working https://github.com/mozilla/webpay/commit/ef7602696fa5e84d79931f145e74343fd5065391


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Mary Rae Floresca| Negosentro.com One of the reasons why teamwork fail in the workplace is because of miscommunication. This is one reason that affects the performance of the company. Read on how to enhance communication in the workplace. 1. Open-door policy Managers or higher positions in the company sometimes separates themselves from their workforce too much. They keep their doors closed and can only be approached by appointment. That's wrong, an effective team leader should ...Read More »
Home :: Tag Archives: understanding communication at work


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Murphy TX Real Estate & Homes for Sale
60 Properties Found
The median home value in Murphy, TX is $300,600.
This is
higher than
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The national median home value is $177,414.
The average price of homes sold in Murphy, TX is $300,600.
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compared to 5.23% rented, while
2.4% are vacant.
Murphy real estate listings include condos, townhomes, and single family homes for sale.
Commercial properties are also available.
If you see a property you're interested in, contact a Murphy real estate agent to arrange a tour today!
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406 Oriole Drive Murphy, TX 75094
Courtesy: Mission Real Estate Group Joe Iley
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Absolutely stunning Shaddock home in Rolling Ridge! Outdoor paradise with saltwater lagoon pool, outdoor kitchen, fireplace and spa. Extra large media room with stadium seating, large game room, large upstairs deck next to the full service bar. The downstairs includes a basement wine cellar, a huge master suite and one additional bedroom. The upstairs includes an extra large master suite as well as two additional bedrooms and an extra large sitting area. Miles of hand scraped hardwoods and over sized tile make up the majority of the house. This house is a must see!!!
208 Creekside Drive Murphy, TX 75094
Courtesy: Ebby Halliday, Realtors Stacie Gooch
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Stunning Drees home in popular Maxwell Creek that shows like a model! Gourmet kitchen with oversized island, granite and double ovens. Breakfast area has built-in cabinets for additional storage and built-in desk. Two-story entry features elegant curved staircase with iron balusters, wood flooring, crown molding and extensive door molding. Bright and open living room has a wall of windows and double stacked molding above fireplace. Amazing backyard backing to a greenbelt and features a pool with waterfall and large? covered patio. Oversized game room with wet bar and media room upstairs. Side entry 3 car garage. Roof replaced and 2 new HVAC systems installed prior to closing.
116 Hawthorne Drive Murphy, TX 75094
Courtesy: Keller Williams Realty Plano Roxanne Deberry
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LOVELY FAMILY HOME backing to a creek & trees. Crown molding enhances the raised ceilings throughout. Family room has a gas log fireplace & is open to kitchen. The gourmet kitchen has a gas cooktop, double oven, granite counters & a built-in desk. Nook has exterior door, window seat & view. The master has a fireplace, spacious sitting area & private access to covered patio. Master bath has separate shower with seat, separate toilet rm, jetted tub, dual sinks & WIC with shelves. Game room and 4th bedroom are upstairs. French doors open to study with bay window & closet with shelves. 3-car garage has a sink & cabinets. Iron fence on one side of back yard & wood fence on other side with view of creek & trees.
621 Gene Autry Lane Murphy, TX 75094
Courtesy: Ebby Halliday, Realtors-Allen Lee Osteguin
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Incredible comfort and quality in this gorgeous Murphy traditional home, built in 2007. With 3993 sq ft of comfort living space. There are 4 bedrooms 3 full and 1 half baths, 2 living areas, study, media room, game room with a wet bar and swing rear entry garage that features an electric gate. Enjoy gatherings in an oversize kitchen with plenty of cabinet space. Outside features a nice size covered patio with an awesome pool and spa with water features surrounded by 8ft board on board fencing for much privacy. Home is a reflection of meticulous sellers and very well maintained.
530 Newcastle Lane Murphy, TX 75094
Courtesy: Keller Williams Realty Plano Karl Schafer-Junger
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Impressive and elegant corner lot home in Rolling Ridge Estates. Beautiful 2-story entry with winding staircase and iron balusters. This home features crown molding, vaulted ceilings, 2 fireplaces - this 5 bedroom, 5 full bathroom home - including 2 masters one featuring a second floor loft sitting room - has it all. Study-office, media room (all equipment included), game room, & large kitchen with granite countertops and 3-car garage. Two bonus areas can be used for hobbies or kids play zones. A large covered stamp concrete outdoor living space adds to overall charm and livability. 5,377 feet of family fun!
Courtesy: Nxt Home Realtors Robert Blackman
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Gorgeous Hunters Landing home with stunning backyard oasis! This home has it all offering a game room, media room, study, pool and attached spa with large backyard, downstairs master suite with private bath, formal living and dining rooms and more. Updates include a new roof in May of 2016, 35 new windows, new gutters, new patio cover and new carpet. The location of this home cannot be beat and the schools are some of the most highly sought in the DFW metroplex. This one is a must see!
Courtesy: Ebby Halliday, Realtors Frisco Tonya Peek
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Huge yard on a cul de sac lot in Maxwell Creek! 5 Bedrooms plus Study & Game Room w open plan & many upgrades: 2016 Roof, Carpet, Paint, AC Condenser and evaporator coils Features:butlers pantry, iron spindles & extended patio. Study w french doors off entry. Large eat in kitchen w island, SS app & granite counters. Private Master down w spacious bath & WIC. 4 Bedrooms & Game Room up. Fantastic community w pool & water slide, park & playground & walking distance to school. Fantastic backyard with plenty of room for a pool and a play set. Separate dog run gated off in the back.
706 Steppe Drive Murphy, TX 75094
Courtesy: Homesusa.Com Ben Caballero
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MLS# 13522514 - Built by Windsor Homes - March completion! ~ Luxurious townhomes close to 19075 corridor, lots of local conveniences, restaurants, stores...etc. Granite counters, whirlpool appliances, wood floors. All bedrooms up. Exterior maintenance.
602 Avalanche Drive Murphy, TX 75094
Courtesy: Ebby Halliday, Realtors Cynthia Lopez
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Welcome home to 602 Avalanche Dr in Murphy. Nestled in the highly sought-after community of the Gables of North Hill, Murphy 75094 & home to some of the BEST schools in the entire Metro! This Stunning & Sprawling residence has been meticulously maintained by its current homeowners; making this 6 bed 4.1 bath w 3 car garage home w over 4500 sq ft & over a quarter of an acre truly ready for you & your family to call home. See Media for the full HOME STORY! North Facing.
308 Holly Court Murphy, TX 75094
Courtesy: Coldwell Banker Jane Henry Frances Campbell
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Wonderfully maintained, 4 bdrm, 3bth home with 3 car gar! This beautiful property has recent neutral paint, and carpet. Amazing island kitchen with granite counters and stone back splash,Stainless Steel appliances, Island & Pot rack, walk-in pantry, 18 in. C-tile flooring, gas cook top with griddle, and stainless frig. to remain. Master bedroom is over sized with bay window. Master bath is beautiful with separate sinks, exquisite tile shower with body sprays, gorgeous slipper tub on beautiful tile platform, walk in closet & more. Laundry has built-in cabinets & hang up area. Washer & dryer to remain. Wonderful 20X16 covered patio. Hot tub & gas grill to remain. Peaceful fenced back yard with storage and trees!
421 Seleta Drive Murphy, TX 75094
Courtesy: Halo Group Realty, Llc Colleen Frost
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Beautiful home in Windy Hill Farms. Gorgeous BRAND NEW HARDWOOD FLOORING! Shows like new! Fabulous open floorplan with SPLIT STAIRCASE, study with French doors, art niches, high ceilings, & lots of light. Study could be 5th BR. Kitchen features 5 burner GAS COOKTOP, black appliances, & island open to bright family room overlooking backyard. Large master retreat with separate vanities. Huge upstairs game or media room. Relaxing PRIVATE backyard. New roof & gutters, new water heater & garbage disposal.
Courtesy: Nathan Grace Real Estate, Llc Renee Runyon
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Unique custom situated on a large corner lot in popular Rolling Ridge provides privacy for everyone! MASTER + 3 BR DOWN & Bonus 5th BR, gameroom & media room up. Flexible floorplan perfect for mother-in-law suite or teenager retreat. Beautifully updated with fresh neutral paint & recent carpeting. Soaring 2 story foyer showcases curved staircase with wrought iron balusters & is flanked by formal dining & study with French doors. Spacious living room opens to large island kitchen with double ovens, gas cooktop, SS appliances & granite. Other features include plantation shutters, hardwoods, fiber optics, great storage, covered patio & large grassy backyard. Water heaters & roof recently replaced. MOVE-IN READY!
Courtesy: Halo Group Realty, Llc Colleen Frost
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Stunning home with gorgeous RECENT UPDATES! Open floorplan with NEW HARDWOOD FLOORING, curved staircase with IRON BALUSTERS, study, & redone master bath. Beautifully remodeled kitchen features new oven, microwave, gas cooktop, stone flooring, QUARTZITE COUNTERS, glass backsplash, & butlers pantry. Upstairs game room & MEDIA ROOM. Dream backyard with covered patio & POOL with water feature, beautiful landscaping and MATURE TREES. New roof, ext paint, & 12 windows in 2016!
259 Love Bird Lane Murphy, TX 75094
Courtesy: Briggs Freeman Sotheby's Int'l John Scoggins
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Completely renovated traditional in Phase 2 of Murphy Farms. .75 acre lot, new granite countertops, lighting, handscraped hardwood floors, tile flooring, carpet, bathroom granite counters. This home is perfect for entertaining and has plenty of space for a large or growing family.
403 Dakota Drive Murphy, TX 75094
Courtesy: Halo Group Realty, Llc Colleen Frost
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OPEN HOUSE SAT, JAN 14TH 1-2PM! Magnificent home on oversized corner lot. Stunning IRON DOUBLE DOORS & covered front porch greet you on drive up. Open floorplan with tons of custom features, HARDWOOD FLOORING, iron balusters, plantation shutters, floor to ceiling stone fireplace, built-ins, & lots of storage. Kitchen features GRANITE COUNTERS, JENN AIR gas cooktop, & double ovens. Amazing spa-like master suite with jetted tub. Upstairs game & MEDIA rooms. Study or 3rd downstairs bedroom. Double French doors lead to BACKYARD PARADISE with sparkling POOL with waterfall, expanded covered patio, & OUTDOOR KITCHEN. Very energy efficient!
468 Tablerock Drive Murphy, TX 75094
Courtesy: K. Hovnanian Homes-Dfw, L.L.C. Jimmy Brownlee
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Oversized homesite, stone elevation, buff mortar, wood flooring, GE® stainless appliances, granite countertops in kitchen and all baths, kitchen island, 42â raised panel maple cabinets in kitchen, master bath, and guest bath, stone fireplace with maple mantel in family room, painted French doors and crown oulding at study, bay window at master, separate shower and jetted tub in master bath, oversized utility, covered rear patio with gas supply line, radiant barrier roof decking, Energy Star® 3.0 certified
120 Dublin Road Murphy, TX 75094
Courtesy: Ebby Halliday, Realtors Frisco Wanda Charles
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Stunning custom home w-brick & stone elevation is located on half an acre w-amazing Golf Course views of Pecan Hollow Golf Course. This pristine home showcases a wonderful open flowing floor plan featuring a Sun Room, Private Study, tons of storage space throughout, Formal Dining & Living, Spacious Family Room w-ceiling fan, slate flooring & a gorgeous gas firepalce w-wooden mantle. Eat in Breakfast Nook overlooks the sparkling Kitchen that features a breakfast bar, granite, island + gas cook top. 3 Spacious Guest Bedrooms, Sprawling Master Suite has a sitting area w-bay windows & en-suite bath. Numerous Living Areas make this home perfect for entertaining! Huge Backyard, private gated entry + so much more!
102 Elmcrest Drive Murphy, TX 75094
Courtesy: Keller Williams Central Elizabeth Wicker
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Welcome to this beautiful and cozy Corner lot with an oversized back yard this single story home is in a desirable Murphy area. Features: 3 bedrooms, 2 bath, 2 living areas with plenty of parking with long swim drive side entry 2 car garage, Texas Flagstone open patio , mature trees and some great fruit trees: Belle of Georgia white peach, Sugar Sweet Nectarine, Blenheim Apricot and Almond tree. Full sprinkler system, new floors, and fresh paint. Brand new roof and gutters (October 2016), also a brand new 14 seer AC. PISD schools. Walking distance from shopping and dining, Few minutes from 190 HWY, 75 and 78.
Courtesy: Halo Group Realty, Llc Colleen Frost
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Custom Park Avenue home in Rolling Ridge. Shows like a model! Porte cochere with private driveway. FRESH PAINT, NEW CARPET, New European Oak hardwood flooring. Study with built-ins & French doors. Kitchen features DOUBLE OVENS, granite counters, 8-burner gas cooktop, tumbled-marble backsplash, & fridge (stays with home). Spacious family with built-ins & gorgeous fireplace. Beautiful master suite has jetted tub & extra flex space room. Upstairs MEDIA ROOM. Fabulous backyard with palm trees, covered patio & POOL with waterfall. Just steps from Hunt Elementary!
Courtesy: Keller Williams Realty Plano Roxanne Deberry
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UPGRADES GALORE! Open floor plan. Upgraded lighting & ceiling fans throughout. Slate floors in formal living, dining, kitchen, nook & hallways & all baths with the exception of travertine in master bath. Hand-scraped hardwoods in living. Plantation shutters. Beautiful curved staircase with decorative iron balusters. Granite counters, double oven, island, gas cook top, built-in desk, butler's pantry, slate floor & matching backsplash. Fireplace & wood floor in master bedroom. Master bath has jetted tub, stained glass window, Plantation shutters & large walk-in closet. Huge stamped concrete patio with fan. Gorgeous saltwater pool with fountains and weeping wall.
1420 Parkview Lane Murphy, TX 75094
Courtesy: Halo Group Realty, Llc Colleen Frost
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Stunning home on HALF-ACRE LOT, backs to trees! BREATHTAKING BACKYARD with spectacular POOL & SPA, covered patio, amazing landscaping, huge yard! Porte-cochere, HANDSCRAPED HARDWOODS, 2 staircases, iron balusters, study with French doors, travertine-tiled counters in bar & masterbath. Gorgeous kitchen features GRANITE counters, island, blt-in frig, breakfast bar. Luxurious master suite has sitting area & frameless shower. Upstairs game room with wetbar & MEDIA ROOM.
138 Shelby Trace Murphy, TX 75094
Courtesy: Herrick Realty, Llc David Herrick
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Popular Windy Hill Farms neighborhood with community pool within walking distance. Corner lot. New Roof this year. Enjoy covered patio overlooking greenbelt. Nice size rooms with lots of windows and light. Private master with large bath, corner tub. Kitchen with lots of space. Study with french doors off foyer. Living and dining, plus breakfast room. Fireplace in family. Playground and walking trails close by, beautiful setting! Washer-dryer stay. Study can be 4th bedroom.
Courtesy: Southwest Realty Advisors, Llc Tom Scheer
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Fantastic 5 bedroom floor plan in Hunter's Landing features 2 bedrooms downstairs plus study with gorgeous wall of built ins and granite top and French doors; 3 bedrooms plus media room upstairs; new roof Aug, 2016. New exterior paint and fence stain. Media room projector and screen stay. Big back yard.
1001 Pampa Drive Murphy, TX 75094
Courtesy: Homesusa.Com Ben Caballero
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MLS# 13512873 - Built by Windsor Homes - March completion! ~ Flooring includes carpet, tile and wood floors. Full sprinkler, full sod, full fence w steel posts, full gutters, radiant barrier decking, granite counters in kitchen, double ovens with gas cooktop and A-Frame vent-a-hood, 16 SEER HVAC w 10yr parts and labor warranty, Ecobee 3 wi-fi thermostats. Wylie Schools.
1009 Pampa Drive Murphy, TX 75094
Courtesy: Homesusa.Com Ben Caballero
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MLS# 13512439 - Built by Windsor Homes - March completion! ~ 1.5 story loaded, kitchen II, extended covered patio, hardwood floors, double stainless 30 ovens, a frame vent a hood, gas cooktop, 42 kitchen cabinets, granite kitchen tops, full sod, full sprinkler, full gutters, full fence w steel posts.
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Join your industry colleagues at your local 2016 NCAA Men's Basketball post season networking fundraiser! Admission includes access to the appetizer buffet, beverages and the chance to win some incredible prizes in support of City of Hope's innovative research and treatment programs. We are expecting 100+ industry members to gather for this fun event at each location – Los Angeles, San Francisco, Des Moines, and Philadelphia!
For over 38 years our remarkable insurance industry has supported City of Hope through an annual fundraising campaign by raising nearly $26 million to date. Hoops for Hope is one of the many ways you can contribute to this year's National Insurance Industry Council fundraising campaign and help us reach new heights for 2016!
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Cosmetic Guide will help you to smooth wrinkles, reduce swelling and eye puffiness, accentuate the eyes, delete birthmarks and blemishes, perform rhinoplasty, and bleach teeth. You can do all of this right on the photo.
What is new in this release:
Version 1.5.2 fixes some bugs.
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Windows Software - Free Windows Downloads, Apps, Games, Freeware, Skype, Media Player, Antivirus, Gimp, Live, Starter for Windows XP, Vista, 7, 8, 10


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...Question: June 10
* Discuss the impact of Newly Industrialised countries (NICs) on the global economy.
The NICs originally attracted a lot of inward investment such as FDI from TNC's which originated from MEDCs. The reasons were that NICs had a large labour force which worked for cheap wages. They also had cheap land, friendly govt legislations, cheap available raw materials and reduced...
472 Words |
2 Pages
...Discuss the impact of newly industrialized countries on the global economy.
(10 marks)
The rise of Newly Industrialised Countries (NICs) such as South Korea has greatly increased the international division of labour. During early development of NICs, TNCs from developed nations utilised the cheap workforce and outsourced their manufacturing into NICs. However the main Research and...
455 Words |
2 Pages
...Corporate Finance
EMBA Monthly – Class of 2013
Individual Assignment
"China and its impact on Global Economy"
Submitted by: Muhammad Shahir Ejaz
China and its impact on Global Economy
China's Rise and its current economic outlook:
China's rise as the world's second largest economic power started from the Industrial boom brought in by the Communist Government's realization of the relaxation...
1698 Words |
5 Pages
...Global recession and its impact on Pakistan economy
Presented by
There has been speculation that American would lead global recession and it could impact the global economy. IMF also predicted that in 2008 global growth would fall from 4.9 percent to 4.0 percent. US economy suffered thousands of layoffs and the biggest retail sales dip...
2549 Words |
7 Pages
...Global Economy and its impact on Information Technology
The global economy gave business the ability to market products and services all over the globe. It has also allowed them to develop partnerships and alliances throughout the world, which has become essential for success in today's business." This increase in globalization has created many new opportunities, such as niche markets, and requires everyone to keep up...
1081 Words |
3 Pages
...The Global Economy and its impact
To talk about the economy, I want to introduce the political factor of economy in the world, it is one of the most important part of global economy.
There are many
It is based on economies of all of the world's countries, national economies. Also global economy can be seen as the...
1195 Words |
4 Pages
...Impact of Reduced Protection on the Global Economy
Protection is essentially defined as any action by national governments that will give an artificial competitive advantage to domestic producers over foreign producers. The opposite of protection is free trade, which occurs when there are no limitations to the free movement of goods and services between different economies. The main reasons for nations to reduce protection is to...
1921 Words |
7 Pages
...How is the current Global Economy?
Introduction of Global Economy
The global economy has been formulated to many definitions. As a basic one that has been defined as the increasing integration of fragmented national markets for goods and services into a single global market. For instance, in a national market, the materials, labors, whole process of production, selling service and so on that...
2315 Words |
7 Pages
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Why is blogging so hard in the summer?
Reading blogs, writing blogs, finding blogs, everything blog related is ten times more difficult when the sun is shining and a beer garden is open.
Why do I occasionally browse the "popular page" on Instagram?
Because I never like what I find.
The teenage boys (who look like like they're ten)
with their shirts off, biting their lip, never cease to freak me out.
Better yet, why do teenage boys think hundreds of the exact same selfie are okay anyway?
Wait I know why, because they get millions of likes.
I need to learn to stay off that damn popular page, it haunts me for days.
Why is it that whenever someone just texts "call me" I immediately assume everyone I know has been in a terrible plane crash, or something equally as terrible.
Moral of the story- don't ever just text "call me."
Why do cashiers always try to force me to donate a dollar at the end of my transaction?
Back in the day, I always gave in. But now I donate to charities I choose, on my own time.
Regardless, I still can't help but feel like every time I say "no" the cashier looks at me like I'm actually saying, "no, screw that damn charity."
Why do iphone chargers seem to disappear just as fast as hair ties?
Who in the hell is coming to my house and stealing our chargers along with all of my blonde colored hair ties and bobby pins? Who??? Whoever they are, I bet they took all of Chris's earbuds, as well.
Why do people choose not to flush in public restrooms?
And then why do I choose to act like whatever is in said public toilet will jump out at me if I don't get the hell out of that stall as fast as possible?
Why don't I just politely flush it, with my foot of course. I could easily do this and yet I never do.
Likewise, how come whenever someone tries to enter the stall I'm in and they say,
"Oh, I'm sorry!" I typically respond with, "oh it's okay!"
Because I think we all know, it's really not okay.
And is it really true boys don't have stalls? I just can't grasp this one.
Can you imagine if girls didn't have stalls? Like seriously, think about that one for a second...
Why do I always feel the need to push "door close" on an elevator?
If I see someone coming, I won't do it. I'm not that big of an ass (unless I'm in a hurry.)
But there's just something so gratifying about being alone in an elevator.
Why will I go months without buying something I really need, like new razors, more hangers,
or something like baking soda,
and yet I won't think twice about going out of my way to buy a bottle of wine, or a DQ blizzard?
Why is paying $1.99 for something in real life not a big deal,
but if I see an app in the app store for that much it seems more like $100.99?
And I'll usually agonize over buying it for several weeks...
Why did someone invent duvet covers?
And why do we all use them? Having to put a duvet cover on is a silent reminder to me that the devil does exist.
Why is it so thrilling to realize you and someone you just met, know someone in common?
What can really be done with that information after that point? Really though?
And that's all I've got.
I promise to have something much better for tomorrow.


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Call our reservations line 303.370.6000 to book your IMAX experience today!
April 29, 2016 - February 9, 2017
A Beautiful Planet 3D is a breathtaking portrait of Earth from space, featuring stunning footage captured by astronauts aboard the International Space Station.
May 27, 2016 - February 9, 2017
Soar over red rock canyons and hurtle up craggy mountain peaks and into otherworldly realms in America's legendary outdoor playgrounds in National Parks Adventure 3D.
September 23, 2016 - February 9, 2017
Go on a beautiful ride across, over, and through Africa, the most dramatic continent on Earth.
October 14, 2016 - February 9, 2017
The ancient past comes to spectacular life in this fascinating look at Egypt in the time of the pharaohs.


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Clinton Pushes Back Against GOP on Veterans' Health Issues
Clinton proposes improvements to veterans health care, services after her remarks criticized
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You are here
Chief Medical Officer
Bullet points
- Opportunity to make a change
- Stepping into a Lead Role
About Our Client
Our client is one of the fastest growing primary healthcare businesses in Southeast Asia. In less than four years since inception, they have become Indonesia's leading employer of healthcare professionals. They achieve their mission by providing international quality. Our client is looking for the right talent to join their dynamic team to expand their business in Indonesia as Chief Medical Officer.
Job Description
The Chief Medical Officer role will be in charge of clearly defining, coordinating and managing our client's clinical vision and development. The chosen applicant will lead and provide medical oversight, expertise and leadership to ensure the delivery of quality healthcare services and will reporting to CEO. The responsibilities will include but not limited to:
* Lead and implement the clinical direction for the organization
* Create strategies to develop the skills of the company's GP's, pharmacists, nurses, and laboratory technicians
* Develop and coordinate training programs
* Establish risk mitigation strategies and ensure proper oversight of medical activities
* Keep abreast of emerging models in health care delivery; identify and define new and innovative strategies to achieve
business goals and objectives
* Assist the company in acquiring necessary accreditations
The Successful Applicant
The Chief Medical Officer will be based in Jakarta and will require travelling across Indonesia 80%. The candidate must have minimum 8 years experience as a practicing physician and experience at a well known hospital / clinic. It is also essential to have strong entrepreneurial spirit, strong team player, has global experience and strict discipline in technical standards. US based work background is a plus.
What's on Offer
The opportunity to deliver a direct and meaningful contribution to Indonesia's healthcare sector, and to embark on the greatest adventure of your professional career.


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... as we used to say out on the water -- slide right (surfers will understand). Internals remain very strong so I tend to think we can hold or move higher into the close. However, note Financials are not participating.
Never Investment Advice
01/23/2017 Market Outlook (Range Low)
2 hours ago


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The travel and tourism industry is a highly competitive one, which means that the more qualifications you have under your belt, the better your chances of securing great jobs. Tafecourses.com.au provides you with plenty of opportunities to boost your CV with a range of online and classroom-based tourism courses and diplomas, including tourism management short courses, TAFE courses, such as Certificate III in Tourism, and other travel-related studies in Australia.
Tafecourses.com.au promotes tourism courses that are nationally accredited and recognised, so you can take the skills you gained in Sydney and apply them in Melbourne or Brisbane. It also means that if you suddenly have to relocate in the middle of your studies, your new school will recognise your previous learning. Another benefit of nationally accredited TAFE tourism courses is that they serve as a pathway to undergraduate degrees.
You can supplement your tourism qualification with some interesting short courses, such as starting your own (travel) business, marketing, and even eco-awareness and conservation courses.