text:
On a recent trip to Oregon, I decided to swing by the office of the branch manager of a local Umpqua "store," like I usually tend to do every few months and asked her about how things were going with Umpqua Bank (NASDAQ:UMPQ). She seemed excited about their recent acquisition of Tacoma, Washington based Rainier Pacific Bank (OTC:RPFG) and mentioned that the problems at Rainier Pacific mainly stemmed from some of their investments and that the loan portfolio looked good. It looked like Umpqua had acquired assets and a 14-bank footprint in Washington state at an attractive price.
The regional banks that survive this cycle have the opportunity to emerge stronger as they acquire assets of failing banks at attractive prices, especially with loss sharing agreements in place with the FDIC. Umpqua raised $562 million through two stock offerings in August 2009 and February 2010 to pay back TARP loans and to fund future acquisitions. Total assets increased 9% in 2009 to $9.38 billion and jumped up again in the first two months of 2010 to approximately $10.5 billion following the acquisitions of Seattle based Evergreen Bank in January and Rainier Pacific Bank in February.
Unfortunately, Umpqua's Troubled Asset Ratio or TAR spiked sharply from 16.1 in the third quarter of 2009 to 23.1 in Q4 2009. The TAR is a very useful metric put together by the Investigative Reporting Workshop in partnership with MSNBC and is similar in nature to the famous Texas Ratio that was used in the 1980's to identify troubled banks. The lower the TAR, the better the health of a bank. The national median TAR as of December 31, 2009 was 14.5.
We first covered Umpqua Bank in the February 2008 newsletter in a section titled Umpqua Holdings: Can the Free Cookies Last? and later purchased the stock for the SINLetter model portfolio in July 2008 for $12.13. I decided to sell Umpqua Holdings a couple of months later for a gain of 32% on concerns that the financial sector had not yet hit a bottom. We added Umpqua Holdings to our watch list and followed the stock's journey to a low of $6.91 in March 2009 before the rebound along with the rest of the market to current levels that are just above our original purchase price.
Based on my conversation with the Umpqua branch manager and questions from subscribers about investing in regional banks, I decided to take a closer look at Umpqua and the regional banking sector. Since the market bottom in March 2009, financials have led the charge back up with both large and small banks rebounding from what could be a generational low.
However as you can see from the chart below, the larger banks as represented by the ETF XLF have notched gains of over 150% when compared to the 80% gain by regional banks represented by the ETF KRE from March 2009 through March 2010.
click to enlarge images
With the easy gains behind us and the rally long in the tooth, security selecting becomes even more important. While Umpqua Bank is a known entity for me, given its higher than average TAR, I figured it would be a good idea to identify other similar sized regional banks that look equally if not more attractive. With hundreds of regional banks littering the landscape, an attempt to weed through the list of regional banks to find the diamonds in the rough is an arduous endeavor at best.
To help simplify the process, I figured I would use the 50 regional banks in the SPDR KBW Regional Banking ETF (NYSEARCA:KRE) as a starting point. Simple valuation metrics used to analyze stocks in other industries unfortunately do not work for the banking sector due to the unique situation they find themselves in during this economic cycle. Moreover following the repeal of the Glass-Steagall act in 1999, banks have gotten their hands into multiple cookie jars and attempting to analyze the business has gotten more complex. At least at the regional bank level one can hope to have better visibility into the nature of the bank's business. I decided to concentrate on three metrics including,
- Did the total assets of the bank increase in 2009?
- Is the Troubled Asset Ratio or TAR of the bank below the national mean of 14.5?
- Does the bank have at least $10 billion in total assets?
The table below represents the 50 regional banks in KRE along with their TARs and dividend yields. The table is sorted by displaying the banks with the lowest TARs on top. You may notice that 11 companies in this list do not have a TAR specified and this is on account of the fact that these 11 companies are multi-bank institutions and each bank within those institutions have different TARs.
* Market caps in millions
From the banks listed above, the ones that not only meet all three of our criteria but also saw their TAR drop or stay flat from Q3 2009 to Q4 2009 are UMB Financial (NASDAQ:UMBF), Bank of Hawaii (NYSE:BOH), Signature Bank (NASDAQ:SBNY) and East West Bancorp (NASDAQ:EWBC). Each of these banks saw their assets increase more than 10%. East West Bancorp saw the biggest jump with assets increasing 66% in 2009 to $20.56 billion and its TAR drop from 16.5 in Q3 2009 to 11.9 in Q4 2009. However the bank I find most attractive of the group is Bank of Hawaii (BOH) with its nearly 4% dividend yield, 15% jump in assets in 2009 to $12.39 billion, a drop in TAR from 7.9 in Q3 2009 to 7.4 in Q4 2009 and a micro-economic climate that appears to be strong based on my observations from a December trip to Honolulu. Another regional bank worth considering that is not on this list is First Niagara Bank of Buffalo, NY (FNFG) that also sports a nearly 4% dividend yield, a low TAR of 6.4 and saw its assets increase 56% to $14.45 billion.
Despite improving fundamentals at some regional banks, I believe the macro picture still looks bleak and these banks have rebounded sharply from their March 2009 lows. Commercial mortgages could be the next shoe to drop and the flattening of the yield curve will particularly hurt regional banks. A potential pair trade to consider would be to go long a basket of strong regional banks like Bank of Hawaii, First Niagara and Umpqua while simultaneously shorting the regional bank ETF KRE. As you can see below, KRE has significantly outperformed these individual banks since the start of 2010. For now I am going to add the five banks discussed here to our watch list and will probably start a position in a basket of regional banks after additional due diligence.


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Anforderungen · Anträge · Anfragen · Anliegen · Wünsche · Nachfragen · Gesuche · Bitten · fragt · Aufforderungen · fragt an · holt herbei
request {Substantiv}
Bitte · Wunsch · Ersuchen · Abfrage · Abruf · Ansinnen · Ansuchen · Abforderung · Bestellung 1
Antrag · Anfrage · Aufforderung · Anforderung · Anliegen · Gesuch · Nachfrage · Rückfrage
to request {Verb}
fragen · bitten · beantragen · ersuchen · anfordern · anfragen · abrufen · erbitten · abfragen · nachsuchen · abfordern
Englisch-Deutsch Übersetzung für "requests"
"requests" Deutsch Übersetzung
requests (auch: demands, requirements, exigences, exigencies)
The Commission proposal responds faithfully to all of those requests.
All conversion tracking requests begin with the same URL structure:
You can review the requests that your code sends to make sure it's working properly.
Now they are protecting themselves just like all the others, with quite weighty requests and demands.
Requests and recorded conversions
What stage has been reached by the Commission in considering these requests?
It would not make sense to accept one of the requests and to reject the others.
There were three requests to waive the parliamentary immunity of Spanish MEPs.
The aim of our requests for a separate vote is to rule out such a possibility.
In 2000 the number of hits and requests increased to 160 000 and 1 260 000 respectively.
I would now like to answer the specific requests made by the European Parliament.
The Schedule Manager application handles requests for feed recordings.
That has for some years given rise to an increasing number of requests.
Please note that we don't respond to all requests for bulk upload verification.
We will not serve SSL search results for requests that we receive on this hostname.
This was one of Parliament's requests that has now become reality.
I have never worked in a committee where all requests have been treated in this way and incorporated.
These are the demands and requests from the people.
I would specify that these requests do not seek to dismantle public services or privatise public companies.
For the rest, your requests coincide with the wishes various economic operators expressed again and again during my visit.
Mr Monti, I hope that you will inform your colleague, Commissioner Flynn, of these requests.
Both these changes are in response to repeated requests from recipients.
I am also sceptical about some of the requests for sanctions that have been put forward here in Parliament.
At the same time, however, we are getting explicit requests for more Europe from various parts of the world.
As you have heard, we have a lot of comments and requests concerning this historic project.
requests (auch: demands, inquiries, enquiries)
The requested State Party shall respond to reasonable requests by the requesting State Party on progress of its handling of the request.
The number of requests that can be submitted is limited and there must be plausible grounds.
Firstly, we must say that if we achieve harmonised asylum procedures, the level of requests will also tend to become more homogenised.
Written requests before importationRequests for import duty exemption must be submitted to the relevant District Directorate of Customs before importation.
Requests for the allocation of service numbers (of the 090x type, for example), freephone numbers (of the 0800 type) or certain addressing resources can be processed online.
The report in question openly pinpointed some serious shortcomings in the area of national security, as a result of which we were deluged with an unprecedented number of inspection requests.
We want to respond to further requests from Syria for assistance in the reform process.
In addition, over 3700 electronic requests for information were received and answered.
Yet there is very little evidence that a number of our requests have been taken seriously.
Last point: in relation to external costs I have two requests.
However, we can also make certain requests, and I have some of my own.
Finally, Commissioner, do you intend to comply with my requests?
We heard Mr Santer's commitment to carrying through the requests in the motion for a resolution.
I hope that Commissioner Liikanen will be able to respond positively to these four questions and requests.
I did this in response to a number of requests, including, moreover, a significant number from this House.
Mr Lehne, we will certainly give further consideration to your requests in the votes.
requests (auch: fetches, calls for, sends for)
request {Substantiv}
request (auch: summons, prompt, invitation, prompting)
request (auch: requirement, attention, demand, requisition)
to request {Verb}
to request [requested|requested] {Vb.} (auch: to ask, to interrogate, question)
he/she/it requests (Present)
to request [requested|requested] {Vb.} (auch: to ask, to approach, to please)
he/she/it requests (Present)
to request [requested|requested] {Vb.} (auch: to apply for, to move for, make application for sth., to make a claim for)
he/she/it requests (Present)
to request [requested|requested] {Vb.} (auch: to beseech)
he/she/it requests (Present)
to request [requested|requested] {Vb.} (auch: to demand, to call in, call, to requisition)
he/she/it requests (Present)
to request [requested|requested] {Vb.}
he/she/it requests (Present)
to request [requested|requested] {Vb.} (auch: to solicit, to fetch, to recall, to demand)
he/she/it requests (Present)
to request [requested|requested] {Vb.} (auch: to solicit)
he/she/it requests (Present)
to request [requested|requested] {Vb.} (auch: to inquire, to enquire, to scan, to sample)
he/she/it requests (Present)
to request [requested|requested] {Vb.} (auch: to search for)
he/she/it requests (Present)
to request [requested|requested] {Vb.} (auch: to demand)
he/she/it requests (Present)
to request
to request (auch: to call for, to fetch, to send for)
he/she/it requests (Present)
Synonyme (Englisch) für "request":
© Princeton Universitybespeak · call for · quest · petition · postulation · asking
Ähnliche Übersetzungen
Ähnliche Übersetzungen für "requests" auf Deutsch
Beispielsätze für "requests" auf Deutsch
Iran has an opportunity now to come into line with requests made by the IAEA Board.
In practice, most requests for mutual assistance are executed by the cantons.
Thus only 3 to 5 % of requests for recovery in the EU have been successful.
These requests are covered in Amendments Nos 2 and 4 of Mrs Karamanou's report.
Naturally Parliament's requests have been at the centre of the discussion.
If there are any other requests to speak on this, I shall not accept them.
Our requests for criteria for the calculation of costs are being ignored.
We wish to see an end to this one-sided situation regarding requests for financial aid.
This government is entitled to our support if it complies with our requests.
Ad requests will fail without these parameters included and well-formed.
Requests the Secretary-General to inform the Council on any developments in this regard.
Incidentally, the same applies to a number of other requests for Structural Funds aid.
For instance, there are statements concerning requests for the death penalty.
I have not received any requests for changes to the agenda for Monday.
This is a sensible amendment which covers the entirety of the requests from the PSE Group.
Nevertheless, we have been unable to accommodate all the Agriculture Committee's requests.
I have received no requests for amendments to the agenda for Monday, Tuesday or Wednesday.
I have no information beyond what I have given as to whether such requests are being made.
Mrs Schleicher, we take note of requests from all sides of the Chamber.
The next item is the vote on requests for urgent procedure pursuant to Rule 112.
Neue Englisch-Deutsch Übersetzung vorschlagen
Kennst Du regionale deutsche Redewendungen? Oder weisst Du vielleicht eine gute deutsche Übersetzung für einen bestimmten englischen Ausdruck? Wenn ja, dann kannst Du hier Deinen eigenen Beitrag zum Englisch-Wörterbuch leisten.
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Ähnliche Wörter
reputably · reputation · reputations · repute · reputed · reputedly · request · requested · requester · requesting · requests · requiem · requiems · require · required · requirement · requirements · requires · requiring · requisite · requisited
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text:
Broker-Dealers, State Investment Advisers and SEC Investment Advisers
Broker Dealer
- About Broker-Dealer and Broker-Dealer Agents
- Requirements after a Broker-Dealer Certificate has been issued
- Broker-Dealer Applications & Forms
- Finders Form (AB 667)
Investment Adviser
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- What is an SEC Registered Investment Adviser
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- Investment Adviser Application - Did you Know?
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- Investment Adviser Minimum Financial and Reporting Requirements
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- 12/31/15 - Effective January 1, 2016, individuals engaging in business as finders may apply for an exemption from broker-dealer requirements by filing the Statement of Information form with the Department of Business Oversight and paying a filing fee of $300.00. Specifically, Assembly Bill 667 created a new exemption from the broker-dealer requirements under the Corporate Securities Law of 1968 for finders, or individuals who, for compensation, introduce potential investors and issuers of securities to each other. The exemption is only available to individuals who meet the statutory definition of a finder and comply with certain conditions. If you have any questions concerning the exemption requirements or how to file for the exemption, please contact the Broker-Dealer and Investment Adviser Division main phone line at (916) 322-6270.
The finder exemption form is available here.
- For Archives Click Here


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10 reasons banking jobs might not be so great after all
Are banks trading on past glories?
"I've secured a 2017 investment banking job on Wall Street: this is how"
To get your foot in the door at an investment bank, you need to hit the ground running as a college student, building your network right away.
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Why you should keep applying for finance jobs, even when you're rejected
You apply for one finance job. Two, three, four, five. Hundreds - maybe even thousands. You don't succeed. Should you give up? No.
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Here are tips for financial services and management consulting professionals to bounce back from failure.
How to stay married when you work in banking
A new study highlights the art of keeping your working spouse happy whilst holding down a demanding job yourself.


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Scream's Ghost Hunting Guide
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by: Zaxxes • 0
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Participants in the Spiritual
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Mini Bar, Shower, En suite, Private Bathroom
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Fitness Room/Gym, Tour Desk, Bath / Hot Tub
Airport shuttle
Private Toilet
Availability and Prices
Booking Site
Room Type
Per room
Per night
Per night
Users who viewed Mate Dependance Hotel Vienna also viewed these 3 stars Vienna hotels:
Mini Apartment Wien
Karmeliterhofgasse 11, Vienna
Karmeliterhofgasse 11, Vienna
Apartment 1230
Haselbrunner Straße 6, Vienna
Haselbrunner Straße 6, Vienna
Strawberry Youth Hostel Mittelgasse
Mittelgasse 18, Vienna
Mittelgasse 18, Vienna
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Check in from 16h / Check out prior to 12h
Levi Spirit Hotel: Find photos, reviews, information, amenities and compare prices for 5 stars hotels in Levi, Finland.
Located in Levi, Levi Spirit Hotel offers 5-star accommodation, as well as a sauna. It also provides an express check-in and check-out feature, a 24-hour reception and babysitting/child services.
Hotel description
There are a variety of facilities at Levi Spirit that guests can enjoy, including luggage storage, tour desk and a golf course. In fine weather, an outdoor terrace provides a nice place to relax.
Each of the rooms at Levi Spirit Hotel include a spa bath as well as a private terrace, a coffee maker and a refrigerator. Each provide an in-room dining area, slippers and a private bathroom with bathrobes.
Every morning, guests can sit down to breakfast served by Levi Spirit before heading off to discover what the local region has to offer.
Kittila Airport is within a 20-minute car ride of the hotel, as is Levi Tourist Office. Snow activities, water activities and fishing are available nearby.
Hotel features
Room Service, Air Conditioned, Non-Smoking Rooms, Refrigerator, Cable / Satellite TV, Coffee / Tea Maker, Microwave, Hair Dryer, TV, CD Player, DVD Player, Shower, En suite, Private Bathroom, Bidet
Business Center, 24 Hour Reception, Babysitting / Child Services, Multilingual Staff, Photocopier, Luggage Storage, Designated Smoking Area, Express Check-In/Check-Out
Tour Desk, Golf Course, Sauna, Garden, Water Activities, Fishing
Internet Connection (wireless)
Parking, Airport shuttle
Bathrobes, Private Toilet
Availability and Prices
Booking Site
Room Type
Per room
Per night
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Users who viewed Levi Spirit Hotel also viewed these 5 stars Levi hotels:
Chalet Levi President
Ansajotos 8, Levi
Ansajotos 8, Levi
Veikasenharju Log House
Veikasenreuna 34, Levi
Veikasenreuna 34, Levi
Karhunkieppi Apartments
Karhunkieppi 11 B, Levi
Karhunkieppi 11 B, Levi
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7 reviews
Nearest hotels
- Loimu
762 m
- Sirkantahti
1.2 km
- Petruska
1.6 km


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Oaks 212 Margaret
No prices found through our partners. Please contact the business directly or check some of our recommended alternatives.
How has this hotel rated in the past?
- Suites
- Breakfast Available
- Microwave in room
- Swimming pool
- Laundry facilities (self serve)
- Restaurant
Photos of Oaks 212 Margaret
Travelers also looked at:
- Swimming pool
- Restaurant
- Outdoor pool
- Fitness/Health center
- Bar/lounge
- Refrigerator in room
- Breakfast Available
- Microwave in room
- Wireless internet connection in room (free)
- Wheelchair accessibility
- Air-Conditioning
- Kitchenette
- Suites
- Room service
- Laundry facilities (self serve)
TripAdvisor Reviews Oaks 212 Margaret Brisbane
Travel Blogs from Brisbane
No Coffs Harbour?! Byron, Surfers and Brissie
... here on working holiday visas, and were in town so it made perfect sense. I really enjoyed catching up with Liv on the other side of the world and seeing how well she was...see you again soon hopefully! Surfers Paradise has a well known backpacker pub crawl, called the Backpackers Big Night Out. Not normally my scene, but you received free entry into 4 bars/clubs and a free drink in each, for a price of $30 (nothing in life is ever free apparently..). It was a fun night out and I ...
Animal Day
... fit everything in anyway. So looking forward to getting to this hostel with a hot tub tonight even though I know I won't get there until about 8pm 🙌🏽 😤 First ever cold hot tub? And the evening entertainment is transvestite bingo. First hostel where I've been completely mislead. And they didn't tell us their free shuttle service finished at 4pm so we had to pay $20 for a cab to go ...
People with two heads
... about from Hutch, the eloquent destination lecturer on the ship. As we got closer, we could hear the sounds of music so we headed in that direction. At the entrance to the market area, there was a small band of musicians, playing what I can closest describe as "Klezmer" music (look it up). They were playing much different music to other street bands I've heard and I had to stand and listen while the others headed into the market. ...
1 September, 2015 (First Day of Spring!)
... who is at Lone Pine for three months and in
Australia for a year) and Daniel. We got along famously.
Lunch was fine. I was in an odd mood
still, so was quite quiet and inwardly-focused. Dylan came and
chatted away, and asked me about my book and photography again. Nora was writing in her journal before anyone else
came. Jasmine was quietly sitting next to me, done with her lunch,
and surfing her phone. We talked a bit, ...
Australia Zoo & the best day of my life
... then went exploring. The first thing you notice is another massive statue of Steve and his family with a crocodile which is lovely but so weird. It's lovely that the whole place keeps his memory alive but it also makes it seem a little sad. We started off by walking through some of the croc enclosures, one was called Alison so I defo had to have a picture of her to send to mum later. Some were absolutely huge, and the information by each of the crocodiles pools has Steve ...


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Pitcher Cliff Lee may finally be calling it quits. The former ace hasn't pitched in the majors since 2014, and sat out the 2015 season due to an elbow injury.
In September, the Phillies elected to buy out the last year on Lee's contract for $12.5 million, rather than pick up the $27.5 team option he was owed for 2016. The left-hander hasn't found the right fit in free agency and that may be nudging him toward retirement.
Injury concerns were certainly warranted for the 37-year-old after missing all of last season and only making 13 starts in 2014. But when healthy, Lee was still effective on the mound. Pitching 81.1 innings in 2014, Lee posted a 3.65 ERA with 72 strikeouts. The prior season, he started 31 games, threw 222.2 innings and managed a 2.87 ERA with 222 strikeouts. Aside from the durability issues, those numbers didn't exactly indicate a pitcher in rapid decline.
So why is Lee choosing to hang it up? It boils down to the salary he was seeking. According to reports, Lee was looking for a contract in the $6 million to $8 million range with incentives. In addition, he wanted to sign with a contending team. The Miami Marlins were the team most recently attached to him in rumors, with the Rangers and Orioles also possibly showing interest. But those contract terms probably weren't agreeable.
Back in December, it was reported that Lee was drawing interest from as many as 15 clubs. However, as the offseason progressed, it became clear that those teams failed to meet Lee's standards for price and/or fit.
If this is the end for Lee, he had an impressive run. His career spanned 13 seasons for the Phillies, Mariners, Rangers and Indians, during which he compiled a 143-91 record and 3.52 ERA, striking out an average of 7.6 batters per nine innings. Lee won the 2008 AL Cy Young Award with Cleveland, racking up a 22-3 record and 2.54 ERA. He was also named to four All-Star teams.
Additionally, Lee pitched in the World Series twice — once for the Phillies in 2009, and once for the Rangers in 2010. Unfortunately for Lee, he was on the losing end both times.


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Hundreds of young football players are in Litchfield starting today for Chad Greenway's Day to REACH Football Camp. The camp runs today and tomorrow. Organizer Chad Harlander says they expect upwards of 250 kids at …17 Jul 14
MINNEAPOLIS (AP) — The Minnesota Vikings have agreed to pay for more escalators and more televisions in their under-construction stadium. The Minnesota Sports Facilities Authority approved Friday the $1.3 million increase in design fees, to …21 Jun 14
EDEN PRAIRIE, Minn. (AP) — Adrian Peterson is about to start his final NFL season in his 20s. He will turn 30 next March, the age at which most running backs start to experience a …20 Jun 14
Minnesota Vikings coach Mike Zimmer talked to the press after a day of mandatory minicamp: Vikings Head Coach Mike Zimmer Ordered a beautiful day for you today. We're ready to get back to …18 Jun 14
Vikings Head Coach Mike Zimmer Just finished up the third practice this week of the four, we have one more tomorrow. We had a lot of situation stuff today. We had short yardage and …12 Jun 14
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Davison, Michigan Personal Injury Lawyers and Law Firms
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George Hamo & Associates
Welcome to George Hamo & Associates Flint, Michigan's Personal Injury Attorneys
Address: 2750 Westwood Parkway - Flint, MI 48503
Phone: 810-234-9057
Christopher Trainor & Associates
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Shock Doctor ICE Recovery Ankle Compression Wrap
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Accelerate recovery with the Shock Doctor® ICE Recovery Ankle Compression Wrap. Designed to provide penetrating 360° ice coverage to injured or sore ankles, the Gel Packs extract heat from the ankle joint, foot and lower leg to help reduce swelling and pain. The wrap has adjustable straps with Z-Grip™ closures for custom fit and continuous compression. N-Tex™ provides gentle compression with maximum comfort and durability.
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Country of Origin: ChinaWeb ID: 38095896
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Rated 4.7 out of 5�by 9 reviewers.
Rated 5 out of 5�by IronMan Great Product!!! Exactly what I was looking for! This product is fantastic...if you have an ankle injury or just need some great recovery then I highly recommend. You may want to keep a sock on - this thing gets cold!!! October 17, 2016
Rated 5 out of 5�by Athelete08 Very cold! But helps a lot! I kept all ice packs in freezer for 2 hours. They were very cold but flexible enough to place in neoprene pouches. I placed a tshirt between my skin and the brace because the ice packs are very, very, very cold. Sizing was not easy to determine, But overAll a great product!! June 29, 2016
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daughteroftheKing wrote:Olivetealover - Is this something you came up with up, or it is a popular herbal tea in particular cultures?
gaia wrote:Ehm.. I'm from Italy and I can assure that nobody here would have an olive leaf tea! Have you ever tasted an olive leaf?? It's INCREDIBLY bitter and in my opinion its flavour doesn't match with tea. But de gustibus non disputandum est..


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Distressed: Solid gains
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UFC welterweight Quinn Mulhern makes his promotional debut this Saturday at UFC 158 where he takes on Rick Story. Mulhern speaks to John Pollock about his last year with Strikeforce, moving over to A watch video >>
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Check in from 3:00 PM / Check out prior to 11:00 AM
Lafayette Inn: Find photos, reviews, information, amenities and compare prices for 3 stars hotels in Easton, United States.
Lafayette Inn is set in Easton and is close to local landmarks, such as Lafayette College. This individually-decorated 3-star bed & breakfast is just a 10-minute drive from Phillipsburg.
Hotel description
The Lafayette B&B offers comfortable accommodation, in addition to meeting rooms, an express check-in and check-out feature and a 24-hour reception. Guests are able to unwind with a book in the on-site library.
The Lafayette Inn has 18 en suite rooms with a CD player, heating and a DVD player. Cable/satellite channels, ironing facilities and a hair dryer are also provided.
A satisfying breakfast is available each morning at The Lafayette Inn Easton, and there are numerous cafés and eateries close by. For guests spending the day out, the bed & breakfast offers packed lunches on request.
Easton's popular tourist spots are within close proximity to Lafayette Inn, with Fisher Field only minutes away. The Easton-Phillipsburg Toll Bridge is also nearby.
Hotel features
Air Conditioned, Cable / Satellite TV, Hair Dryer, TV, CD Player, DVD Player, En suite, Private Bathroom, Vending Machines
Business Center, Concierge, 24 Hour Reception, Dry Cleaning, Safe-Deposit Box, Meeting Rooms, Shops, Photocopier, Luggage Storage, Designated Smoking Area, Express Check-In/Check-Out, Self Laundry
Golf Course
Private Toilet, Packed Lunches, Souvenirs/Gift Shop
Availability and Prices
Booking Site
Room Type
Per room
Per night
Per night
Users who viewed Lafayette Inn also viewed these 3 stars Easton hotels:
Grand Eastonian Suites Hotel
140 Northampton Street, Easton
140 Northampton Street, Easton
Search hotels
based on
109 reviews
Nearest hotels
- Grand Eastonian Suites Hotel
0.8 miles
- Quality Inn Easton
1 miles
- Comfort Inn Easton Pennsylvania
2.4 miles


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About Abel-Keppy Animal Hospital
Abel-Keppy Animal Hospital is the Iowa and Illinois Quad Cities' premier veterinary health care center.
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Are These Scam Websites?
# June 13, 2013 at 4:17 am
The owners of the website is selling a tool used to extract facebook unique ids of members of facebook groups or pages. These ids can then be used to target the people for adverts.
The first website is only one month old. While the second one is six months old.
Pls are these scam websites or what?# June 13, 2013 at 5:16 am
Hi Alex, I'm the owner of http://www.fbadstips.com
The first thing, the tool I promoted does not extract unique IDs, it does extract User IDs!
The second thing, it does the thing that is supported by Facebook API so that Facebook will never ban it.
Hope you understand it :)# June 13, 2013 at 5:21 am
@SonFBAds, your website is just new. How did you know about this post?# June 13, 2013 at 5:30 am
I installed WP JetPack. I know that my site is brand new so that I want to know all kinds of traffic source came to me. And I've never put any backlinks in this forum, so I was just curious to discover how they find me :D
My link (in your comment) was received at least 2 clicks :)# June 13, 2013 at 10:11 am
I tried findmyfacebookid.com. I got about 50 ids. But when I wanted to add it in the custom audience, it says error.# June 13, 2013 at 10:13 am
This is what I got:
**(#10) User 1256851668 does not have access to account 351195819
There was a fatal error.**# June 15, 2013 at 12:02 pm
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I'd like to see your thoughts about this short report :)# June 15, 2013 at 4:25 pm
Why did the entire thread look suspicious? Is it because I sought ur opinions on the matter? Pls let's not allow childish thought to becloud our sense of reasoning. I have seen threads opened here and someone will just register to defend his company been talked about. For instance, a staff of Tree House has come here to explain some issues when forum members were reviewing the online web design training they offer. Pls I dont know or have any dealing with any of the owners of the websites i listed here asking for clarification. Thank u.# June 15, 2013 at 5:14 pm
This reply has been reported for inappropriate content.
Rather than accusing someone of "childish thought", perhaps review the reasons why this might have been thought of as spam. I'll help you out:
1) Original post had absolutely nothing to do with the subject matter of this forum.
2) The owner of one of the sites posted suddenly arrives on the forum to promote his site/service.
If it looks like, smells like, tastes like, then…# June 15, 2013 at 7:59 pm
@CodeGraphics, _you_ have been around for a while, but if you were _also_ a new user (SonFBAds registered within hours of your first post, and this is his only conversation), I would have come to the same conclusion. Take a step back and consider the "flow" of the conversation – it reads like an infomercial.
The topic 'Are These Scam Websites?' is closed to new replies.


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Perez Hilton's Daily Update: Justin Bieber Thinks Selena Gomez Is Using The WeekndThe shade!
Selena Gomez is All Smiles in New Studio ClipsGomez posted a video to Instagram over the weekend that shows her in the studio with songwriters Justin Tranter and Julia Michaels.
Perez Hilton's Daily Update: Lamar Odom Wants Khloe Kardashian BackLamar Odom is out of rehab and ready to focus on the future.
Perez Hilton's Daily Update: Drake Gave JLo A $100,000 NecklaceDoes this confirm their relationship?
Is The Weeknd Infatuated with Selena Gomez or Selena Quintanilla-Pérez?Fans are at odds over whose posterior inspired the Weeknd's latest single.
The Weeknd & Selena Gomez: Music's Next Power Couple?TMZ has obtained photos of the musicians engaged in a public display of affection.
Perez Hilton's Daily Update: Selena Gomez And Maluma Are Following Each Other On InstagramSelena is both single and working on new music so Selenators desperately want to know what this means!
James Corden, Adele, Gaga, Mariah, More Sing 'All I Want for Christmas is You'The video starts out with Corden and Mariah discussing her favorite holiday. From there, we get a who's who of pop stars jamming to Mariah.
Perez Hilton's Daily Update: The Creator of 'Full House' Bought The Iconic San Francisco HomeHe wants to transform the interior into the Tanner family's TV home and let fans rent it out.
Perez Hilton's Daily Update: Marc Anthony Announces Divorce After Kissing J.Lo At Latin GrammysIf Marc Anthony's kiss with ex-wife Jennifer Lopez at the Latin Grammy's had you wondering about the state of his current marriage, here's an update...
Selena Gomez Cuddles Up to Lady GagaLady Gaga ran into Selena Gomez at an afterparty last night and couldn't keep her hands to herself.
Selena Gomez Cuddles Up to Lady Gaga"So dope I got to hang with the biggest rockstar of the night," wrote Gaga.


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Governess Films Announces Online Premiere for ¡PODER!
A New Film on the Power of Girls by Emmy-winning Filmmaker Lisa Russell
Interviews with filmmaker and preview of film/site available upon request
New York, NY – Governess Films announces the launch of a new website and the online premiere for Emmy-winning filmmaker Lisa Russell's new film entitled ¡PODER!.
¡PODER! is a short, narrative film based on the real life story of two indigenous girls in Guatemala named Elba and Emelin who challenged their local Mayor to create new policies and funding to ensure girls in their community had access to education and healthcare. In a town where only 10% of Mayan girls finish their primary education and more than 50% get pregnant and have babies before they turn 18, the need for girl-friendly programs was critical. Elba and Emelin helped convince their Mayor to invest in girls programs which led to $250,000USD in funding and a new Office for Women and Girls in their small town.
The website - at poderthefilm (dot) com - offers viewers the opportunity to watch the full film as well as enroll in it's "Film Ambassador" program which aims to put the film into the hands of girl leaders worldwide.
"¡PODER! Is a unique story that illustrates what girls are capable of doing when given access to quality education and support. It was important to have ¡PODER!'s distribution strategy reflect that same message and so we developed the Film Ambassador program," states Russell.
The Film Ambassador Club provides members with access to a personalized copy of the film (that includes their name and affiliation during the intro slate), guidelines on how to host a screening, ¡PODER! swag and more. The goal is to have girl leaders hosting the film and their own discussions about what they can do to change their own lives and their own communities.
On March 12th, ¡PODER! had its World Premiere at the UN's Commission on the Status of Women and a community screening with 60+ girls of color at the Boys and Girls Club in Brooklyn. On March 28th, it premiered in Guatemala with the local cast.
¡PODER! Was directed, written, shot and edited by Russell and produced by San Francisco nonprofit Let Girls Lead who provided funding and access for the film.
¡PODER! (TRT: 16:12) is available in English and Spanish.
Lisa Russell – firstname.lastname@example.com/+
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Managing Science and Technology
Environment Canada's S&T is managed to achieve scientific excellence, develop federal S&T policies, and ensure the effectiveness of policy implementation. Strategic management also improves integration of science with partners in other federal departments and collaboration with science partners outside the Department including the academic or private sectors.
Environment Canada's Science Strategy
Environment Canada's Science Strategy 2014-2019 is a major milestone for the Department, as it represents a truly department-wide strategy for Environment Canada's science. The Strategy sets out a vision, mission and principles that represent common goals across the entire Department to better integrate science into the decision-making process and delivery of the Departmental mandate.
Environment Canada's Science Strategy 2014-2019
Measuring Environment Canada's Research and Development Performance
Measuring Environment Canada's Research and Development Performance (2014)
Science is the foundation of Environment Canada's work. Research and development (R&D) supports many of the Department's science-based functions, including its legislative obligations, commitment to be a world class regulator, enforcement activities, weather services and policy development. R&D is an integral component of the Department's science; as such, regular assessment is important.
The objective of this report is to provide an updated assessment of Environment Canada's R&D performance. The report establishes baseline measures of R&D performance according to the principles of Environment Canada's Science Strategy 2014-2019: Relevance, Transparency, Responsiveness, Excellence and Collaboration. Where possible, the report compares current and past performance, as assessed in the 2009 report Measuring Environment Canada's Research and Development Performance.
Environment Canada's Science Horizons Youth Internship Program
Environment Canada's Science Horizons Program is a collaborative effort with Canadian universities, the private sector and other non-government organizations which offer promising young scientists and post-secondary graduates hands-on experience working on environmental projects under the mentorship and coaching of experienced scientists and program managers. Read more about the program.
Federal S&T Policy
- Mobilizing Science and Technology to Canada's Advantage
- Canada.ca: Science and Innovation
- Canada.ca: Environment and Natural Resources
S&T Policy Links
- Science and Technology (Industry Canada)
- Science, Technology and Innovation Council
- Council of Canadian Academies
- Government of Canada Open Data
- Strengthening Science-Policy Links: Study Series
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Couture Creations Day ONE!
June 24, 2013 by Ellen
Filed under Core Blog, May Arts Ribbon, Queen & Co.
We are here having fun this week with Couture Creations. It's no secret that Core'dinations ColorCore Cardstock looks fabulous with dies and embossing folder especially when you sand, sand, sand! Couture Creations is an Australian owneda & loved brand, Couture Creations is the culmination of 20 years experience in the scrapbooking industry. From its final inception in 2010, Couture Creations has been devoted to producing expertly designed, high quality products overseen by veteran designers & crafters for a result that is both simple and elegant.
Make sure you head over to their BLOG, PINTEREST, FACEBOOK pages to find out all the other chances you can win. Here is a sneak of what is going on over there today. Please keep in mind we are in two different time zones so in case we are off on our times bit please forgive us. We are getting our coffee ready when they are getting ready for bed.
So…today! What do we have for you today? First up we have some projects from Debbie Standard:
Debbie used loads of Core'dinations Core Essentials, Black Magic and Spotted Cardstock. Love those banner ribbons along the bottom in the May Arts ribbon? So pretty! Coutre Creations products are Fresh and Fun embossging folders and the Fantasia Doily dies (these are gorgeous!!!!).
And Designer Mary Pat Siehl created a fresh winter card for us today as well using some Whitewash and doesn't the sanding with the Couture Creations Super Powder Puff embossing folder look amazing!? And she accented it with some gemstones, too! Don't forget about the Couture Creations double sided foam mounting tape…perfect for that dimension on the sentiment.
Here's a little bit about this card from Mary Pat:
When I saw the embossing folder (Super Powder Puff) my Core brain immediately thought of the Whitewash collection. I thought the two would be perfect together for a nice winter type card. I embossed the cardstock and then lightly sanded it to bring out the beautiful blue color. I then stamped my sentiment on matching cardstock and attached it to my card. I wanted to add a bit of sparkle to the card so I added some sparkle twine and some huge bling gems. I love the soft look.
And if you want to win some Core'dinations awesomeness here's how:
Introducing…Ava Gavloski
May 15, 2013 by Ellen
Filed under Core Blog, Tim Holtz, Tim Holtz & Ranger Adirondack Collection, Tim Holtz & Ranger Collection
Hello, I am from the Great Lakes of Ontario Canada. Scrapbooking started out for me a few years ago, lots of classes from great instructors and here I am looking at mixed media as my new challenge for 2013. As for my scrapping style… well, that is ….TBA. I create using products that feel good to me. I am inspired by talented designers and experiment with new techniques, so spikes of different styles will be noted above the radar!
I tend to scrap in 3 styles : Eclectic/Freestyle, Romantic/Shabby Chic and Multimedia.
And to see more of her work check out her blog HERE!
What a beautiful layout…and GREAT journaling! love it.
Workin' it Wednesday!
March 13, 2013 by Ellen
Filed under Core Blog, Fancy Pants, Spellbinders
Before we get started today we have a quick update on the Northrige winners. They have been picked and emails will go out shortly! So stay close to your inbox and we will post names soon, too.
Today we have a layout from Designer Debbie Standard featuring some Core Amour. Sand the white wash and the black core comes through…it's so cool! Debbie accented it with blues and yellows from the Spotted Collection. Love that pop of color, don't you?
And how about pairing that Spotted Cardstock with some Fancy Pants Core Impressions? Mixing and matching our different collections is so much fun! Add some of your own embossing like Debbie did here with the Whitewash strip and who needs patterned paper?
Valentine's Week Inspiration
Happy {pre} Valentine's Week!
This week we have Valentine's Day projects for you all week long. From layouts to cards to fun altered projects we have a ton of inspiration for you.
Let's get stared with a layout from Design Team Member Debbie Standard featuring the Tim Holtz Kraft Core Seasonal Impressions. This pack of cardstock is SO perfect for the Holidays. You can pick and choose from a variety of colors that core'dinate with the Tim Holtz Kraft Core and the Shattered Kraft Core.
How easy is that?
And a close-up of that awesome Tim Holtz Kraft Core Shattered cardstock. It is SO COOL!
And Debbie added at touch of the Tim Holtz Kraft Core No. 24. Love the black against the pink.
Cricut Cards with Andrea Amu
January 30, 2013 by Ellen
Filed under Core Blog, Imaginisce, May Arts Ribbon, Pink Paislee
Happy Hump Day!
Today we have some projects from Designer Andrea Amu. As usual Andrea works her Cricut and the Core…so many amazing details so grab that coffee and sit back and enjoy!
Loving all the Spotted and Core Essentials cardstock PLUS..some May Arts ribbon and Imaginisce iRock, too!
And how about some ch-ch-ch-chevron?! The Core Impressions Pink Paislee Modern Prints collection has tons of great chevron prints. Swooooon! Andrea used the backside of the Chocolate Box and inked it for the first layer and then cut out pieces of the chevron and sanded every other one, too! Add a stamped sentiment and you are good to go. Love it!
Pre Crop Challenge!
November 23, 2012 by Ellen
Filed under Core Blog, May Arts Ribbon
Tomorrow is THE DAY! BUT…we have a surprise for you 🙂
Anyone scrapping tonight??? How about a pre-crop challenge from Designer Shaunte Wadley?
Now this might just be the cutest stocking stuffer EVER!
Shaunte used a piece of the David Tutera Celebrate Cardmaking System Step 2 Layer and, folded it in half and adhered it over the top of the Chapstick.
Next, embellish! A David Tutera Celebrate STep 3 Tag would be perfect. Yep…everything comes PRE-EMBOSSED for you! Just pop 'em out of the package sand and you are ready to go. Even the birdie is from the David Tutera Celebrate step 3 line, too!
Last, but not least, a fun sentiment. Chappy Holidays! Wouldn't this be cute for Chappy Birthday, too?
SO…for this challenge, you need to create a small gift item. It doesn't have to be chapstick but it can be any little stocking stuffer you want…it just needs to be some kind of itty bitty cute little gift. We will post all the rules tomorrow morning and a master challenge list for you.
The winner of this challenge will win a BRAND NEW David Tutera Celebrate cardmaking system goodie pack so you can easily recreate fun projects like this.
Please note you can use ANY Core for this project, not just the David Tutera Celebrate line. If you have our Cut & Emboss collection, that size would be perfect for this, too. If all fails, cut yours down to size or use some scraps.
Ribbon is from our friends over at May Arts.
Challenges must use the Linkinz below (. If you do not have a blog, please
feel free to use Photobucket or Flickr or any other photo sharing sight that
provides links. Challenges must include {any kind of} Core'dinations ColorCore Cardstock.
You may NOT combine this challenge with any of the other HCC challenges but
you may complete this challenge as many times as you like. We do ask that since our designers put so much time into those projects that this is newly created just for our HCC crop. You must link by
8 pm, December 2nd (Sunday). All winners must email
firstname.lastname@example.com by DECEMBER 12th with their name, address,
phone number and prize the won in the subject line. For ex.: Core'dinations
Crop Tillie Prize pack Winner.


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Talan, Jamie
In an attempt to understand the scope of Alzheimer disease (AD) research and clinical care for the growing number of people with the disorder, the federal government signed into law the National Alzheimer's Project Act (NAPA) earlier this year and has now announced the dozen non-federal members who will attempt to determine the state of AD affairs.
The Advisory Council on Alzheimer's Council on Alzheimer's Research, Care, and Services non-federal working group will be chaired by Ronald C. Petersen, MD, PhD, the Cadieux Director of the Mayo Alzheimer's Disease Research Center and the Mayo Clinic Study of Aging in Rochester, MN. Ten federal members have also been appointed to the council.
Health and Human Services (HHS) Secretary Kathleen Sebelius is charged with overseeing NAPA. The first public advisory council meeting will be held Sept. 27 when scientists, health care experts, patients, and family members will have an opportunity to address their concerns about AD research and care.
The committee is charged with pulling together an inventory of all federal, statewide, and local activities around research and care for AD and related dementias to determine any gaps and develop a national agenda to address present and future needs. Separate subcommittees will focus on research, clinical long-term care, and support.
Dr. Petersen said it was premature to describe a more specific agenda as there is a lot to do and the group has not yet come together. But he described the group's interests — using a hockey sports analogy — as being vested in a "shot-on goal." Just as a hockey coach puts his team in a position to win by encouraging his players to bombard the goal with good shots, the committee will increase the initiative's chances for success by exploring multiple promising approaches to AD.
AD experts estimate that approximately $183 billion is spent on care for AD compared with about a half-billion dollars on research, Dr. Petersen said. If the group can change that trajectory — increasing the money for research to gain more resources and knowledge that gets at the solutions to this disease — there is a greater likelihood for reducing the incidence of AD as well as the financial burden of the disease, he said.
"It's a huge challenge," said Dr. Petersen, whose work in understanding the earliest clinical signs of mild cognitive impairment (MCI) has shaped a new way of diagnosing the disease. "A lot of cards are on the table," said Dr. Petersen. "Our initial task is to do an inventory of what the federal government is doing to address Alzheimer's. We are going to look at the entire landscape and figure out what is needed to develop new treatments and address the multiple needs of patients and their caretakers. We will develop recommendations based on our analysis."
Dr. Petersen noted that NAPA does not have money to fix these problems but an aerial view could shape future allocations of federal funds. "It's not the best fiscal time but these are the cards we are dealt. Congress will need to address funding needs," he said.
The neurologist said that when he received a call from HHS Secretary Sebelius asking whether he wanted to chair the committee, he did not pause to think about the answer.
Dr. Petersen is one of two AD scientists on the council; Jennifer Manly, PhD, an associate professor in the Cognitive Neuroscience Division of the Columbia University Taub Institute for Research on Alzheimer's Disease, is the other. Other members include clinicians, individuals from advocacy groups, health care workers, and caregivers. ["See "Advisory Council Members."]
The Advisory Council will meet quarterly to help officials at the HHS, Veterans Affairs, Department of Defense, and the National Science Foundation address the development of a national plan. The council members will serve a four-year term.
Colleagues in the field are not surprised that Dr. Petersen was appointed to chair the non-federal members of the Advisory Council.
"Ron Petersen is an outstanding choice," said Richard J. Hodes, MD, director of the National Institute on Aging (NIA) in a telephone interview with Neurology Today. "He is at the forefront of clinical and translational research and understands the human aspects of this disease." He said that Dr. Petersen is also on NIA's National Advisory Council.
Dr. Hodes said that the NIA has already begun to collect information on the full spectrum of AD supported by the NIH. "NAPA has reinforced what we are doing now and this act will accelerate and expand this process," he said. "This committee will provide a more explicit structure of where we are and where we need to be."
Dr. Hodes is one of the 10 federal employees who will also serve on the NAPA Advisory Council. Others in the group will include HHS representatives from the Office of the Assistant Secretary for Planning and Evaluation, Office of the Assistant Secretary for Health, Centers for Medicare and Medicaid Services, Centers for Disease Control and Prevention, Administration on Aging, Health Resources and Services Administration, Agency for Healthcare Research and Quality, Substance Abuse and Mental Health Services Administration, Food and Drug Administration, Indian Health Service, and Administration for Children and Families.
Dr. Hodes said that he hopes the new council will "further refine our judgments about research." For instance, the NIH agency has just started to fund research on induced pluripotent stem cells to study AD. He said that there will be a strong effort made to design studies to begin treating at the earliest signs of disease, even before symptoms develop.
Dr. Petersen said he is ready to get to work. "We now understand that Alzheimer's is multi-factorial. We are beginning to figure out what the different biomarkers mean to every stage of the disease. We do have gaps in knowledge. We need to know the cascade of events that take place and how it unfolds. As far as treatments, what works at 65 may not be enough at 85."
* Ronald Petersen, MD, PhD, chair of the National Alzheimer's Project Act Advisory Council, professor of neurology, and the Cadieux Director of the Mayo Alzheimer's Disease Research Center and the Mayo Clinic Study of Aging in Rochester, MN.
* Anita Albright, director of the Office of Healthy Aging and Disability in the Massachusetts Department of Public Health.
* Laurel Coleman, MD, attending physician at Maine Medical Center and Central Maine Medical Center's Palliative Care Team.
* Eric J. Hall, founding president and chief executive officer of the Alzheimer's Foundation of America Inc.
* David P. Hoffman, MEd, director of the Bureau of Chronic Disease Prevention and Control, Long-Term Care Restructuring, and Partnership within the Office of Long Term Care in the New York State Department of Health.
* Harry M. Johns, president and chief executive officer of the Alzheimer's Association.
* Jennifer J Manly, PhD, associate professor in the Cognitive Neuroscience Division of the Columbia University Taub Institute for Research on Alzheimer's Disease and the Aging Brain and the GH Sergievsky Center.
* Helen M. Matheny, MS, director of the Alzheimer's Disease Outreach and Registry Program at the Blanchette Rockefeller Neurosciences Institute.
* David Hyde Pierce, actor, whose grandfather had AD and who shared care-giving duties with his siblings when his father developed dementia.
* Laura Trejo, general manager of the Los Angeles Department of Aging and founder of El Portal: Latino Alzheimer's project and a local provider of long-term services and supports, including Older Americans Act programs.
* George Vradenburg, chairs the national advocacy network USAgainstAlzheimer's and the Geoffrey Beene Foundation Alzheimer's Initiative.
* Geraldine Woolfolk, former teacher who served as a caregiver for both her mother and father, and has been caring for her husband for the past 11 years.
©2011 American Academy of Neurology
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Henryville 47126 Real Estate
Henryville is located in Indiana. Henryville, Indiana 47126has a population of 1,522. Henryville 47126 is less family-centric than the surrounding county with 25.78% of the households containing married families with children. The county average for households married with children is 30%.
The median household income in Henryville, Indiana 47126 is $69,010. The median household income for the surrounding county is $50,559 compared to the national median of $53,046. The median age of people living in Henryville 47126 is 37.9 years.
Henryville Weather
The average high temperature in July is 89 degrees, with an average low temperature in January of 21.9 degrees. The average rainfall is approximately 43.5 inches per year, with 16 inches of snow per year. No weather information available.
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