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Other mums at the 'school gate'.... sigh.....(34 Posts)
Does anyone else find the 'school gate' thing to be either uncomfortable or unfriendly? Or cliquey?! You know, picking up and dropping the kids off to school or pre-school in the mornings and afternoons.
My ds started pre-school this year at a school that I was very lucky to get him into. It has a good reputation & his teachers are lovely, etc etc. That's not the problem though. So far I've found that a few mums already know each other, and it seems that they just don't want to acknowledge anyone else, or even smile or say HELLO. Either that or they will acknowledge you one day, and not the next - GRRR. Last week while I was waiting for ds to come out after preschool, I sat on the bench next to another mum and we started chatting. She told me all about her two year old son and how he's been really sick lately, and we talked about a range of other things until the kids came out and we left. The next time I saw her, it was as though we'd never met!! She walked past and didn't even say a word. I'm finding it quite uncomfortable as there seem to be a lot of people seem to speak to you one day, and then 'blank' you the next. Am I the only one who's finding this whole school gate thing a pain in the #@*&$??
Some of the mums I met there in the first few days were quite nice, so perhaps I just haven't seen them on the days that I've picked up ds. But overall, I find it a bit cliquey or uncomfortable. How hard can it be for people to just be pleasant and acknowledge each other?? I'm wondering what other people think about this and whether you've experienced the same kind of thing.
I agree, there is far too much over thinking of the situation.
Just remind yourself you are there for your children, not for yourself.
It's your choice how involved you get.
The blankers , standoffishers are probably terified of being stalked ( not by op!) but they mightve had to fend off an overly enthusiastic mum on occasion like i have.
I once made arrangements for a new girl to come for tea, when her mum came to collect her at 7 she wouldnt go, and i finally shoved her out of the door at 10,30.Id never met her before.She then turned up the next day at 9 am, and the next, and the next.When i made it clear i wasnt impressed she turned nasty.
Ive been used as a free childminder, had kids dumped on me the day my dd was due and was having a home birth,," can you just " ect,, been expected to taxi around kids from school who do the same after school activitys as mine, it does make you wary of even being polite to other mums after a bit , as some of them want to move in with you and be best freinds.
Hapened again just a few weeks ago, new girl at school, came for tea, mum picked her up, still here at 9,40.It became quite obvious she was insane when she tried to demonstrate how she had previously attacked a neighbour with a length of wood.!!!
Managed to shove her out of the door while she demanded my phone number and tried to make arrangements for lunch. I dont know why i attract these loons, i live in a nice area in a nice house, and im clearly normal.Get the same on buses too, every loon sits next to me, must be my face.
Not saying your a loon op,, just trying to explain why some of us blankers are like that!
Why do old threads keep getting resurrected?
Many of us are new to Mumsnet and so have no idea it's an old thread. I thought a woman was being horrible to me but actually I got great advice here and it turned out I was being oversensitive, and the woman at the schoolgate in question would have had no idea I thought she was rude.
Some people have an awful lot on their plates but if you want to, over time, you can make good friends especially if you are helpful,arrange things, join the PTA, and offer playdates etc.
Sometimes you just click, sometimes you don't. But you do need to make an effort over time without being ott.
If you want to make friends you will do if you treat it as a long term project, and don't take it too personally (unless you never smile or smell badly
its good to read this, i am having such a hard time with preschool mums, i keep asking DH is there something wrong with me, am i too sensitive, imagining things, am i rude/quirky/do i smelll... i just dont understand how some mums think it is ok to smile one day, do playdate and coffee one day AND BLANK THE NEXT. even if not wanting to be best friends (!) then a smile is surely possible. it is pretty depressing if afew women cannot be bothered to be polite and kind to one another, and some of us feel pretty vulnerable and fragile about the whole thing.
sorry, rant over, having a really hard time of it and can only assume after a few occurences with different mums that it is me, that i am a totally ghastly sort of person and that for some obscure reason i have a lovely husband and afew lifelong friends who havent yet discovered my ghastliness xxxxxxx LOL xxxx
awful thing to have to do every blinkin day, but me and a few others just go for telepathy, drop kids and get the hell out quickly,we know getting to involved makes life too public, anyway ive seen quite a few mums in pj's and slippers with big gold argos earings tying their pit bull type to the railings, swearing and smoking and talking of fights in night clubs. yes dearest, telepathy is the answer! lol.
Old thread, yes, I know but this is something that I've picked up recently at the school when dropping off and collecting DS1. Being 'blanked' in particular. What is difficult about saying hello to someone?!
OP - yes, that was my experience exactly. My DC are all grown up now, but at the time it was hurtful and I felt very left out.
Now, years later, I've watched many of their lives and relationships fall apart.
It really isn't worth investing any emotion whatsoever in these people who really are of no consequence to you. Just concentrate on your child and forget them - they're nothing to you
thanks friendofminniemouse - I no longer acknowledge said people when doing the school run. I just ignore and carry on with my business. You have the right attitude, thank you for sharing your words of wisdom!
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Mountain House Hotel Karpenisi: Find photos, reviews, information, amenities and compare prices for 3 stars hotels in Karpenisi, Greece.
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At Mondjack Apiaries our bees have been gathering nectar from the wild flowers and trees of the Lehigh Valley since 1980 and since that time they have been turning it into the most delicious Wild Flower Honey you have ever tasted. Our honey bees gather nectar from all of the natural wild flowers and trees so you can be assured our Honey is Pure & Natural!
We invite you to try our "American" honey, produced by Pennsylvania Honey Bees. I think you'll agree the flavor just wakes up your taste buds. I've been told by many of our customers our honey has flavor... not like the store brand honey.
If you have any allergies to local plants, try eating locally produced honey….you may be surprised. It helps! Locally produced honey has small amounts of pollen in it from the plants indigenous to this area, plants that you may have allergies to. By consuming local honey with trace amounts of this pollen your body is building up a resistance to your allergy.
Why not give it a try! It can't hurt! Honey is natural and healthy for you!
It seems everyone is looking for RAW honey.
To clear-up any confusion let me say: ALL of our honey is raw.
The information below is also posted on my FAQ'S page and I hope it helps answer any question you may have about raw liquid & crystallized honey.
Raw simply means not pasteurized and not highly filtered. Honey is a super-saturated solution, very vicous and very low in moisture, so it is self-preserving and does not need to be pasteurized to be packaged. You may have seen raw honey advertised that is chunky and filled with wax particals and specks that fly off the combs after being uncapped during the extraction process. There is no need to eat honey with unknown particles in it to be considered raw. Most commercial honey packers will filter their honey through diatomacious earth, giving it a longer shelf life before it crystallizes. Honey will sometimes transform into a semi-solid (crystallized) state, this happens when it is kept in cool conditions. I have many customers insisting that only crystallized honey is raw. This in fact is not true. Most honeys will crystallize over time, even those that have been highly filtered, if stored at temperatures around 57 - 60 degrees F. Think about this: when honey bees make honey it is raw and NOT crystallized! It is in liquid form. Technically ALL of our Honey is considered RAW because it is not pasteurized and not micron filtered.
Tests show most 'Store Honey' has been 'Ultra-Filtered', removing all pollen and hiding the honey origin.
Read the report: HERE
More than three-fourths of the honey sold in U.S. grocery stores isn't exactly what the bees produce, according to testing done exclusively for Food Safety News.
It's common practice for the large honey packers to highly filter their honey. The cleaner the honey, the longer the shelf life, (staying liquid before crystallizing). Ultra-filtration removes all traces of pollen. All of the beekeepers I know, including myself, do not have the capability to 'ultra-filter'. This is usually done by pressure filtering the honey through diatomaceous earth, removing any traces of natural pollen.
Our honey is strained through a stainless steel mesh and nylon to remove any small bits of beeswax but it still retaines all of the natural goodness and pollen.
Honey is a natural food, let's keep it that way!
Buy your honey from a local beekeeper!
I'm a believer in "buying local". If you purchase honey from one of the big packers that bottle the "store brands" you're most probably buying foreign honey, honey brought in from Brazil, Argentina, Viet Nam, & China. Haven't we brought enough food into this country from China? Why not support U. S. Agriculture? Buy American! If you are purchasing the discounted "store brands"to save 10 cents with your club card give this some serious thought. Read this article about Honey Laundering published in the Seattle Post-Intelligencer, Dec. 2008, and this article, Asian Honey, Banned in Europe, Is Flooding U.S. Grocery Shelves, dated Aug. 15, 2011, in Food Safety News. When you buy food from foreign countries do you really know what you are buying? Do you really know where your honey is coming from? Read this recent story: 11 Execs caught in Honey Sting! Here you will learn how some foreign honey is adulterated with ...illegal additives that the U.S. Food and Drug Administration says cannot be permitted in any food product -- included mostly small amounts of the antibiotics and antibacterial drugs Ciprofloxacin, Norfloxacin, Chloramphenicol and Furazolidone. "11 Execs, 6 Foreign Firms Caught in Honey Sting"
I have to say it again ... "Haven't we brought enough food into this country from China?" I can't produce honey as cheap as China but my Dad always said: "You only get what you pay for."
"The Darker side of Honey"
Dark Honey, like dark chocolate, can be a better source of health-protecting antioxidants than its lighter-color counterparts. In a study of honey varieties, researchers looked at three shades of honey: the dark honey showed the greatest potential for helping to protect cells from harmful substances (free radicals) that cause aging & disease. Researchers suspect the protection comes from the antioxidant powered phenols & amino acids found in dark honey!
If you have any allergies to local plants, try eating locally produced honey….you may be surprised. It helps! Locally produced honey has small amounts of pollen in it from the plants indigenous to this area, plants that you may have allergies to. By consuming local honey with trace amounts of this pollen your body is building up a resistance to your allergy.
Why not give it a try! It can't hurt! Honey is natural and healthy for you!
Honorary Life member of: Lehigh Valley Beekeepers Assoc.
Life member of: PA. State Beekeepers Assoc.
Life member of: Eastern Apicultural Society of North America
Certified Master Beekeeper: EAS certified in 1998
Registered: PA. Dept. of Agriculture, Apiary Division
Registered: PA. Dept. of Ag., Bureau of Food Safety & Lab Services
Bill Mondjack


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Sign and table outside pizzeria
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Sign And Table Outside Pizzeria Stock PhotoArts Culture and Entertainment,Blackboard,Cafe,Colour Image,Cultures,Day,Food,Food and Drink,Food and Drink Industry,Information Sign,Italian Culture,Italian Food,Italy,Menu,No People,Old-fashioned,Outdoors,Pavement,Pavement Cafe,Photography,Pisa,Pizzeria,Restaurant,Still Life,Table,Tradition,Travel,Travel Destinations,Tuscany,Vertical,Western Script,Wine,Wine BottlePhotographer Rolf BrudererCollection: Blend Images
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Manchester United and Manchester City on red alert: Lionel Messi makes contract demand
MANCHESTER UNITED and Manchester City have received a boost in their pursuit of Barcelona star Lionel Messi.Daily Express » 53m
MANCHESTER UNITED and Manchester City have received a boost in their pursuit of Barcelona star Lionel Messi.Daily Express » 53m
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Tom Davies announced himself with a superb goal and a man-of-the-match performance in Everton's 4-0 win over Manchester City . Here, Nick Wright speaks to former Everton U21 manager Alan Stubbs about a special talent who has a habit of taking it all in his stride…SkySports.com » 2h
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RE: New Site with info on San Juan del Sur, NI« Reply #1 on: February 16 2009 16:02:00 »
The bible is easier and less dry to read than your new website
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some good info on there. thanks.


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SailNet Community (http://www.sailnet.com/forums/)
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Hawaii, Big Island -- dinghy/cat rental?
Are there any businesses or hotels that still rent small sailboats on the Big Island? I'll be there in early December and would love to get in a few hours of fun sailing. I'm aware that bareboat charters for keel boats are very uncommon in Hawaii, but was hoping to find a couple of hours of time on a something small.
I haven't been able to come up with much on internet searches.
I'd also be interested in recommendations for sailing outfits on the Big Island which do actually sail their boats instead of just motoring or motor sailing them. We haven't had much luck with this on previous Hawaiian trips.
Re: Hawaii, Big Island -- dinghy/cat rental?
This is the closest thing that I've found, but I found it too late to take advantage of it:
Aloha Sailing LLC
It looks like $200 will get you a 2 month membership with this sailing club and unlimited access to their boats during that time. I'll probably look into signing up for this next time I'm on the Big Island.
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By Matt Leon
PHILADELPHIA (CBS) – The Drexel Dragons will play their next four games in the cozy confines of the DAC, starting with Thursday night's CAA match-up with Old Dominion.
The Dragons are 9-13 (5-5 in the CAA) and they are coming off a 59-52 loss at Northeastern on Saturday.
A problem as of late for the Dragons has been slow starts. In their last three games they have trailed 25-9 (Delaware), 33-13 (George Mason) and 10-0 (Northeastern).
"We've just got to come more ready to play," Drexel head coach Bruiser Flint tells KYW Newsradio. "I thought we turned the ball over a little bit in both games (George Mason and Northeastern) early, which gave them some easy baskets. When we settled down from turning the ball over, we sort of creeped ourselves back into both games last week."
Drexel actually rallied to win the George Mason game, and only lost to Delaware by two.
Listen to Matt Leon's interview with Bruiser Flint:
Now on Thursday night, the Dragons will host a team in turmoil. The Monarchs are a woeful 2-20 and earlier this week they fired their head coach Blaine Taylor, who was the winningest coach in program history.
"They'll still play the same way (stylewise)," Flint says. "They're still going to do the same things. Jim Corrigan who took over for him has been his assistant for a long time. So they're definitely going to play the same way."
Flint says his team can't focus on ODU's record.
"I know they've struggled this year, but they haven't struggled to the point where they are getting blown out," Flint says. "They are in every game. They've had trouble scoring this year, so they have trouble sustaining drives and things like that. But they are in it until the end. They are another team that's been going down to the wire, losing games by 6,7,8 points because they just don't have enough scoring."
This is the first of two meetings this season between these two teams. The second will be on February 28th down in Norfolk, Virginia.
Drexel and Old Dominion will tip-off at 7:00pm on Thursday night.
You can follow Matt on Twitter @mattleonkyw.
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Cameraphone shipments grow rapidly :
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EMEA (Europe, Middle East, and Africa) was the leading region for camera phone sales in 2005. A major shift in the regional market share of shipments is still underway, however, as camera phone adoption continues to increase in expansive and populous Asian countries like China.
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Nursing Career
0 Did any of you start your nursing career from ground zero at the age of 26 or around that age? If so, what were your feelings entering a new field late and are you happy that you did it. Sorry if im being vague but im about to start the path to an RN so I'll be like 29-30 starting a new career. I know there has been people starting older than that but I still feel really late. Thanks for your responsesJul 24, '08 by lklin09Quote from Ronnie3Did any of you start your nursing career from ground zero at the age of 26 or around that age? If so, what were your feelings entering a new field late and are you happy that you did it. Sorry if im being vague but im about to start the path to an RN so I'll be like 29-30 starting a new career. I know there has been people starting older than that but I still feel really late. Thanks for your responses
Don't feel as though you are starting late because you are not. You will be able to work 30 years or more in this field if you want. I am 30 and am currently in nursing school. This is my second career. I currently work in Human Resources. I just got burnt out with it and wanted to become a nurse since this is what I feel I was meant to do with my life. I have classmates in their 40s and this is their second career. I even have a classmate that is in her late 50s. If you want to become a nurse, go for it. I love being in school and cannot wait to graduate next year and pass the nclex and actually be a nurse.Jul 24, '08 by Altra, BSN, RN GuideYou are not late to the party ... :wink2:
I'm 3 1/2 years into my second career that began at age 38 and thoroughly enjoying my life.Jul 25, '08 by Tweety, BSNMany students, particularly those at the community college level are that age or older. The average age of nursing students is not 18 by no means. I graduated when I was 32.
Check this out: http://allnurses.com/forums/f200/any...fe-125963.htmlJul 25, '08 by Ronnie3Thanks to all! Im just going to leave the past behind me and proceed forward.Jul 28, '08 by respect all nursesHi Ronnie, I was 30 when I embarked on a 2nd career as a LPN. Now at 45yrs (thats right 45) I'm working on my RN-Assoc for increased automony and much greater choices r/t specialities etc. I will most likely go on and obtain my BSN. You are never too old to learn, just ask the 45-50 yr old student nurses working on their "2nd careers" at my local community college. Good Luck.Jul 30, '08 by S.N. VisitI graduated with my Lpn at age 33 and RN at age 34.Aug 1, '08 by ♪♫ in my ♥I'll be 44 when I graduate from nursing school.
Late to the game? Yeah.
But I carry the experiences and lessons from a whole other career field as well as life in general into this new career and I'll be a better nurse for it.
The average and median ages of our clinical group are 33 and we are consistently praised by the staff at our host hospital for our professionalism, judgment, and how quickly we learn. People are stunned to learn that we're 2nd semester students.
Age and experience are valuable assets.
By all means, jump on in... the water's fine.Aug 8, '08 by alsal41from an Australian point of view, I have been a medical secretary for some 25 years, and sorta fell into nursing by looking after my in laws for a couple of years. This gave me the confidence to do a "carer' course which gave me the skills to work in nursing homes. THAT gave me the confidence to accept a scholarship, and as of YESTERDAY, I am now a qualified Endorsed Enrolled Nurse. I have not long turned 47. This career has been what I have always, always wanted since I was a very little girl.
So ...... *go for it* You've got nothing to lose, and as of Day 2 in the job, I'm havin' a ball!
CheersAug 9, '08 by eXtraOrdinaireI am planning to enter the field at age 32. I'm currently 30 years old and have just started taking the prerequiste courses for the program. I'm in the Information Technology field and I am currently burnt out.Aug 16, '08 by MiwilaI remember 12 years ago I was listening to a radio show (Dr. Laura) and a caller called up and mentioned she wanted to go back to school at age 36 to studying nursing. The radio host was kind of dubious citing that by the time the caller was done with school she might be getting too old to do a lot of the arduous work and heavy lifting a nurse needs to do. Well I'm 36 now and still perfectly agile. I also had an Aunt who became an RN in her 40's. You should never not do things you want to do and are still able to do just because of age.Aug 24, '08 by NJRNMan, BSNI started from ground zero at 40 after a career as a police officer. I don't think age is any hinderence at all in getting a job, but competency is. I plan on continuing with the education so there is no place I can't go if I want to. I think 29 is a great age to start as many younger RNs can be immature as they grow in their professions as well as themselves. Good luck!
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Check in from 14h / Check out prior to 11h
Flamingo Country Club: Find photos, reviews, information, amenities and compare prices for 4 stars hotels in Bogazici, Turkey.
Situated in Bogazici, Flamingo Country Club is a short drive from Guvercinlik and features outdoor tennis courts and a sauna. The various amenities this luxury hotel offers include a hair salon, a playground and a games room.
Hotel description
This 4-star hotel provides a shuttle service, a table tennis table and a garden. The in-house spa and wellness centre offers a variety of treatments and a chance to relax.
Flamingo Country Club Apartment Complex has 300 luxury rooms that are equipped with all the necessities to ensure an enjoyable stay.
Flamingo Country Club Hotel Bogazici is under a 30-minute drive from Milas-Bodrum Airport. The surrounding countryside ensures plenty of opportunity for scenic walks.
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- Adopted: 04-01-14
- Gender: Female
- Age: 7 yrs
- Size: 40 lbs
- Color: Tri
- Cats: Unknown
- Dogs: Yes
- Traits: All-around sweet and good girl
Bell is a lovable, sweet and little lady. She is about seven years old and 40 pounds, and is a tri-color. Bell has transitioned easily into our family of 2 other English Setters age 13 and 3. Her maturity level is somewhere between the two of our setters. She very quickly adjusts to the energy level around her. If we are all having a mellow day at the house lying around reading in front of a fire, she enjoys the same and is quite content to lounge around the house. If we get geared up for a walk or hike, she is ready to go and does well with our pack on our 3 mile walks. She is good on a leash and very curious when we meet other dogs. She is friendly and lovable allowing strangers to pet her.
Bell is housetrained and quickly learned how to use our doggie door. She seems quite content with her surroundings and has never tried to get over the four-foot fence. She will lay on her dog bed on the deck in the sun with the other dogs and enjoys being in the company of people and other dogs. She remains calm and polite with people who come to the house and does not jump on them. She is pretty quiet and when the other two setters bark to greet foster mom when she comes home, Bell demonstrates happiness with wagging her tail and may let out a very quiet yip or two but that is it.
Bell is just an all-around good girl. She doesn't mind loud noises and just overall seems to go with the flow. Initially she was unsure of the stairs but quickly conquered that and bounds up and down the stairs. She is excellent in the car and sits up and looks out the window or will lie down in back seat and sleep. She sleeps in the bedroom with us at night and is content on her bed at the foot of our bed or will snuggle with us if invited up. There are nights when all 3 of the setters are on the bed and all sleep harmoniously together.
Overall Bell is a joy to be with and she is game for anything that is going on. She possesses all of the qualities to make her a wonderful companion for any family.
Lori Vrabel hopes that sweet little Bell will be going on walks and snuggling with her loving forever family very soon!


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Rodeo Approaches
GERRY – Starting this coming Wednesday, do you know where you can go for affordable, live entertainment and a quality meal that benefits a great cause?
If you said "Rodeo City in Gerry" then you're probably already set to visit the oldest consecutive rodeo east of the Mississippi. Action at the 69th annual Gerry Rodeo will run Wednesday through Saturday, with four evening performances at 8 p.m. and a Saturday matinee at 2 p.m. There is also a free children's rodeo at 11 a.m. Saturday.
For many rodeo fans, the action in the ring is only part of the adventure as the famous beef barbecue dinners will be served again from 5-8 p.m. The dinners feature beef cooked outdoors over an open fire and served with a secret recipe sauce. The sides include deep-fried potatoes, corn, salad, cottage cheese, ice cream and a drink. People can enjoy the meals in the air-conditioned dining room or outside in the porch area. There is also a lighted midway featuring concession stands with more than 20 vendors offering everything from fried dough to Western wear.
All the proceeds from the rodeo go toward the Gerry Volunteer Fire Department. According to the event's website – www.gerryrodeo.org – Jack Cox moved to Gerry in 1945, and suggested a rodeo as a way of raising money for the newly formed fire department. His idea became a reality as members of the department in 70 days turned 4 acres of swamp into an arena and parking lot.
Now, 69 years later, the rodeo features a modern, well-lighted arena that seats 4,000 people.
Tom Atwell, Gerry Volunteer Fire Department assistant chief, said how much the rodeo makes for the department each year varies on the weather. He said without the proceeds, the department wouldn't have a new trailer that hauls an ATV for rescue missions in the woods, it wouldn't have a fully equipped $110,000 ambulance with a stretcher that costs around $6,000 and a heart monitor machine that cost $15,000 and they wouldn't have two engines and a tanker to fight fires.
"I don't think people realize how much we rely on the rodeo," Atwell said.
Besides vehicles, proceeds from the rodeo also go toward equipment for the 30 volunteers in the department.
"To outfit a firefighter these days costs at least $5,000," Atwell said. "The money also goes toward maintenance and costs for (the fire hall), and for gas."
Money goes toward training each volunteer so they are certified to perform the duties that are an invaluable service to the community. Atwell said each of the department's emergency medical technician has to receive 130 hours of training and a firefighter 1 has to receive more than 90 hours to be certified. The Gerry Volunteer Fire Department members also have to continually receive training to maintain their certifications.
"We receive 350 calls a year," he said. "We cover everything from a car accident to a house fire."
Proceeds from the annual rodeo go toward new events like this year with the debut of Bulls & Barrels in June at Rodeo City.
"It pays for new acts. We try to keep things fresh," Atwell said.
More than 125 professional cowboys and cowgirls will compete for $40,000 in prize money in seven rodeo events. Competitive rodeo events include: bareback and saddle bronc riding; tie-down roping; bull riding; team roping; steer wrestling; and barrel racing.


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Understanding Whitetail Deer
Date and Location
When (Date/Time)March 30, 2016, 7:00 PM - 9:00 PM
WherePenn State Extension, Warren County, 100 Dillon Drive, Suiete 101, Youngsville, PA 16371
Add to calendariCal
About The Workshop:
Whitetail deer are the most popular game animal in Pennsylvania. Managing the herd is a complicated process that involves not only understanding whitetail biology but also their habitat requirements. This workshop will provide information about both.
Duane Diefenbach's presentation will focus on female deer: when they're bred, how they survive, and when they give birth. His talk will be directly related to his ongoing deer-forest study taking place in NC PA.
Scott Weikert will provide information on how to manage deer habitat on your property to maintain a healthy herd.
Who Should Attend:
Anyone interested in whitetail deer will benefit from attending the workshop. Property owners will learn how they can improve deer habitat on their lands. All who attend will gain knowledge about deer that will help them afield.
- Everything You Need to Know About Females…Deer That Is! - Duane Diefenbach, PA Coop Fish & Wildlife Research Unit, Penn State
- 2-Prong Approach to Whitetail Management - Scott Weikert, Penn State Extension
There is no charge to attend, but seating is limited.


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Previous Challenge Entry (Level 1 – Beginner)
Topic: The Editor (05/27/10)
TITLE: Gotcha Covered
By cheryl schoenberger
�Ann, Ann, come in please,� a voice from the room summoned, as the door cracked open.
�Thank you,� I responded, visibly shaking as I entered the brightly lit room.
�I believe you have something for me to review, my dear?�
�Yes sir,� I replied as my unsteady hands handed over the report.
�Let�s see, what we have here,� he said smiling, as I sat down.
The editor read in silence, savoring every word written. He grimaced at times as if in pain, and nodded with a smile at other paragraphs. Across the desk, I sat at attention with my hands folded in my lap, as beads of sweat collected on my forehead. It seemed like an eternity as my weekly report was scrutinized, until at last the red ink ceased to flow.
�Well, I must say, I do see much improvement, my dear. Especially in the third and fourth paragraphs, those entries really warmed my soul.�
�Thank you sir, I do appreciate that,� I said relieved letting out a deep sigh.
�Now, I noticed in paragraphs five through seven, there were multiple errors of a repetitive nature. Do you see the section that I am referring to?� the editor pointed to the paragraphs in question. �Is that an accurate assumption on my part?�
�Yes sir, I see. Yes, yes I did do that. I�m sorry,� I confessed lowering my head in embarrassment.
The editor walked around the desk, and sat on the edge pondering what to say next. He then lifted my chin making eye contact, and viewed my tear-streaked face. His gentle, blue eyes penetrated deep into my soul as I felt a tug at my heart.
�Ann, it is expected that you will make mistakes. All that I ask of you is to admit it, and work towards improving.
�Thank you sir, thank you. You are so kind and gentle even when I repeat the same mistakes. Oh, I so look forward to these meetings,� I said sniffing and wiping the tears from my eyes. �I feel so much better after we just talk.�
�You know, if during the week you need help; you can always call. I would love to hear from you. You know how to reach me�right?�
�I do sir. I just don�t know why I can�t remember to do that when I need help.�
�So, we will meet again next week, same time and same place, ok?� the editor concluded handing back the corrected report.
�Oh yes sir! See you next Sunday. Thank you sir,� I said bowing my head as I exited the room.
I glanced at my paper anxious to review the editor�s notes, as I walked down the steps of the building.
In the margin, in front of paragraphs three and four, the words �Well Done My Child� were jotted down.
Then, several lines below the editor boldly wrote, �Covered and Removed from Final Report,� in red ink across paragraphs five through seven.
He closed with a PS: �Have a Blessed week and keep Me in the forefront of your thoughts. Always remember that I love you, and I am here for you.�
Blessed is he, whose transgressions are forgiven, who sins are covered. Blessed is the man whose sin the Lord does not count against him, and in whose spirit is no deceit. Psalm 32: 1-2.
The opinions expressed by authors may not necessarily reflect the opinion of FaithWriters.com.
If you died today, are you absolutely certain that you would go to heaven? You can be right now. CLICK HERE
JOIN US at FaithWriters for Free. Grow as a Writer and Spread the Gospel.


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49 CFR 194.111 - Response plan retention.
Beta! The text on the eCFR tab represents the unofficial eCFR text at ecfr.gov.
§ 194.111 Response plan retention.
(a) Each operator shall maintain relevant portions of its response plan at the operator's headquarters and at other locations from which response activities may be conducted, for example, in field offices, supervisors' vehicles, or spill response trailers.
(b) Each operator shall provide a copy of its response plan to each qualified individual.
[58 FR 253, Jan. 5, 1993, as amended by Amdt. 194-4, 70 FR 8748, Feb. 23, 2005]


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Results 6 to 10 of 11
Thread: Stellan and Breccan - Usable?
May 22nd, 2013 01:28 AM #6
It's not out there for me either - I like it a lot, as evidenced by my signatureTwo small people, Mila Arden and Cato Bennett.
If I had a baby tomorrow...
Atlas Adair or Lyra Sylvie
May 22nd, 2013 02:46 AM #8
I like Stellan (it's growing on me). However, I've known a few female Breccans and no male Breccans... so it's come to feel more feminine to me.Emiliana Pari 郑煜曈 '14
XX: Rosalind Mitra, Artemisia Baran, Ilaria Katayoun
XY: Edmund Saoshyant, Raphael Kaveh, Soren Pasha, Caspian Bardia,
May 22nd, 2013 03:11 AM #10
Thanks for your opinions everyone.
May 22nd, 2013 04:10 AM #12Senior Member
- Join Date
- Jan 2013
- Posts
- 1,049
May 22nd, 2013 05:45 AM #14Gwendolyn Mae... Meredith Jane. ... Josephine Claire...Catherine Esme... Evelyn Grace ** Arlo Grant ... Drew Thomas ... Eli James ... Owen Vincent... Jay Theodore


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Root Sony Xperia Acro S
Finally the tutorial step-by-step how to root Sony Xperia Acro S comes up to the public, it happens after one of xda member forum posted the simple instructions. As far as we know, this root method for Sony Xperia Acro S is easy to follow. Even though it's not a one-click method but the effort to root Acro S far from feeling despair. It is good news for Acro S even though the phone is not quite popular.
When you root Sony Xperia Acro S, you will need a few Acro S files, Flashtool 0.9.0.0, the device drivers, and you must enabling of USB debugging and installation from unknown sources option on your phone. Afterward, you must follow the steps and do necessary treatment to the files needed to ensure your rooting process Sony Xperia Acro S successful.
So fat no one has reported any big problems but we highly recommended to you to visit the original development page to get the latest tool or the updated information regarding Sony Xperia Acro S rooting process. It is very important to prevent any unwanted things while you root Acro S. However, you no need to unlock the bootloader to gain the root access. For some reasons like in Xperia X10, it is always better to unlock the bootloader but for Sony Xperia Acro S is not necessary.
How to Root Sony Xperia Acro S
Before you continue to root Sony Xperia Acro S, you must have the following requirements. Just download from the original page that we provided on each requirement below.
– Rooting Kit, please download from rooting kit download page
– Flashtool 0.9.0.0
– Sony Xperia Acro HD (SO-03HD) 2.3.7 files from download link
– Sony Xperia Acro S 4.0.4 file from download link or through the mirror
Or you can get all those above files from Sony Xperia Acro S root page but please notice the single link for all those tools will download 344MB.
Beside all files above, you must prepare your Acro S by follow some condition like below.
– Application Settings: [Unknown sources] checked {Allowed}
– Application Settings: Development [USB debugging] checked {Allowed}
– Application Settings: Development [Stay awake] checked {Allowed}
– Settings -> Display settings [Screen timeout] Set to 30 minutes. It is very important because If your screen goes off just once then you won't be able to return to the installation properly.
– Please use a regular picture for the background. Do not use the default live wallpaper.
– Charge the Xperia S's battery to 80%.
Now let's follow instructions below to root Sony Xperia Acro S.
– Turn off the Acro S. Prepare to flash the 2.3.7 file: check all of the Wipe column, uncheck the rest.
– Plug in the Acro S while holding the volume down. Wait for the flashing to be completed and close Flashtool
– Turn on the Acro S. Connect it to computer via USB with USB debugging mode on.
– Run step1.bat
– Flash 4.0.4 files using Flashtool, don't wipe anything, also check no final verification. Close flashtool after finished.
– Turn on the Acro S. Connect it via USB.
– Run Step2.bat
– You should get a lot of messages like "pushing SuperSU" and the phone will reboot during this process.
Well done, now you have access to the root on your Acro S. Starting now, you can install any Android root enabled apps such as ROM Toolbox Pro, DroidVPN, Clock Sync, Battery Calibration, or just to take a screenshot.


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The proliferation of mobile data services has increased the demand for higher user rates and network capacity. While LTE supports flexible carrier bandwidth up to 20MHz, many operators have fragmented spectrum assets across different bands, while other operators have a block of spectrum wider than 20MHz bandwidth. LTE-Advanced provides a solution to the need for increased bandwidth by allowing operators to aggregate up to 5 carriers together, creating a fatter data pipe with a total bandwidth of up to 100MHz. It also enables operators to leverage all spectrum assets by allowing the component carriers to be from the same band or from across different bands.
LTE Carrier Aggregation (CA) was defined in 3GPP Rel-10. A UE in CA mode has one Primary Component Carrier (PCC) and one or more Secondary Component Carriers (SCC). PCC acts as the anchor carrier and can optionally cross-schedule data transmission on SCC. Rel-10 supports FDD+FDD and TDD+TDD aggregation, while FDD+TDD aggregation is currently being studied in 3GPP Rel-12. Unpaired spectrum can also be aggregated as Supplemental Downlink (SDL) to improve downlink capacity and user experience.
By increasing the aggregated bandwidth, CA improves user data rates proportionally. For example, by aggregating two 10MHz LTE carriers together, the peak, median and cell edge user rates can all be doubled. Additional benefits of using CA include, efficient resource utilization with dynamic load balancing across carriers. For bursty traffic, CA provides capacity boost beyond linear gain due to trunking efficiency. Alternatively, CA delivers much higher user experience given the same number of users and bursty traffic load.


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Modern War level 3 - 10 Tips and Strategies
- App name: Modern War
- Developer: Funzio
- Genre: Strategy
- Release: Nov 30, 2011
If you are stuck on Modern War level 3 - 10 you came to the right place. Below you will find a video walkthrough and some written tips that will guide you through that level. Have fun and enjoy this great game.
level 3 - 10 Walkthrough
This page contains Modern War video walkthroughs for iOS (iPhone/iPad) called "fare 2 - unlock everything offline ps3 - 10th prestige - no editor 2013" and has been uploaded on aslampathan0 official channel at Mar 12, 2013.
Still need help with this level? Here you can ask questions and discuss with other Modern War users.
Hit like if this helped you!
Stuck on some levels in Modern War? This walkthrough can help you finish the game.


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Kristoff Corojo Limitada is the latest edition to this highly-regarded brand made in the Dominican Republic. Considered the fullest in body and spiciest cigar, the blend consists of double and triple fermented Nicaraguan & Dominican Habano, Nicaraguan Habano binder, and a gorgeous Nicaraguan Corojo wrapper. You can expect a smoke that's extraordinarily smooth, lusciously spicy, riddled with toasty-nutty flavors, and a dash of nutmeg on a long finish. A must-try for fans of full-flavor cigars!
Great smoke with that rich corojo taste amongst complex nutty and spice flavors.40


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Hi, I'm new to this forum. This topic caught my eye while searching Google for even more places to buy Green Tea... I mainly buy tea from Rishi, Stash and Teaspring.com.
Organic food is not a "fad." Scientific research shows that organically produced food is better for you, because it has more nutrients and vitamins...
http://www.timesonline.co.uk/tol/news/u ... 753446.ece
On the other hand food grown with pesticides pollutes rivers, and can be harmful to locals who have to breathe that crap...
http://www.truthout.org/cgi-bin/artman/ ... i/62/21396
So in the area of food I think organic agriculture wins hands down. As for teas, most of the teas I buy come from China. I believe pesticide-use isn't as widespread in China as America, especially on crops that need to be hand-picked like tea... mainly because of the costs. Therefore you could be buying "Organically Produced" teas, even when you buy tea that isn't certified organic.
I wish more tea would become organically certified, but the main problem with China is that for the same reason they don't use pesticides (cost), is the same reason they don't get certified organic (cost). It costs a lot of money to have an international organization certify your crops and make sure no pesticides are used.
That's why I like Rishi-Tea because they seem to be working directly with farmers to help pay for organic certification... which is basically a re-assurance to me that the my tea doesn't contain harmful chemicals. On the other hand, I still want to try a wide variety of green tea... so if the only option is non-organic, and I think the tea is a high-quality, I still buy it.
As for Japan, they have no excuse since they are an industrialized nation like the U.S. Every green tea I buy from Japan is organically certified. The taste of tea depends more on quality and freshness than the organic label... but in my experience organic food tastes better, so I can't imagine that if all other factors being equal, an organic tea would taste worse than a non-organic one. Buy high-quality tea from vendors you trust, whether organic or not, and you should be fine.


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Dual Boot Installation with Windows 7 and XP
View Single Post
14 Aug 2009
Windows 7 Home Premium x64 - Mac OS X 10.6.4 x64
5,968 posts
North Carolina, United States of America
Quote: Originally Posted by
Hi there.
After reading this guide and others on the web, I finally managed to get dual boot Windows 7 and XP working. Like to share my experience with others here.
I am using Windows 7 RTM and Windows XP SP3 Install CD, with a new unformatted 1 TB HDD, and a backup WinXP running on a different HDD.
Attempt 1:
I used my old XP installation to partition my new HDD for Windows 7 and XP partitions. I then rebooted from Win 7 DVD and tried to install Win 7 on the pre-formatted partitions. No go. Win 7 won't install unless I delete the existing partitions and recreate it from scratch.
Attempt 2:
I removed all partitions and let Win7 DVD create a 200GB partition (via Advanced > New..) . Win 7 created the System Reserved partition (100MB) and and the OS partition. (Note that at this time there is no unallocated 1MB partition in front of the System Reserved Partition.) I then started Win XP CD, created a new partition 200GB partition using WInXP CD (text based menu) and started the installation there. Upon rebooting, I get the following message.
"Error Loading Operating System"
Using the Win 7 DVD startup repair tool does NOT resolve this issue. When I booted up using my backup OS on another drive, I noticed 1MB unallocated space in front of every partition on my new drive.
Attempt 3:
I restarted and assigned a drive letter to "System Reserved". Does not help. Same error and mysterious unallocated 1MB space appears before each partition after Win XP CD partitioning and formatting.
Attempt 4:
Stuck at the previous issue for several hours, I decided to try another approach. I deleted all partitions on my new drive. I started WIn 7 DVD, and this time let Win 7 OS partition take my whole 1TB drive. (emulate pre-install conditions) After WIn7 installation is done, I booted in Win 7, went to Disk Management and re-partitioned the drive to free up 800GB of unallocated space. I then rebooted and started my WinXP installation CD. Upon entering Win XP CD text-based partitioning menu, I noticed a WinXP CD detected a 1MB unallocated space before my "System Reserved" partition
which wasn't there in previous tries.
I let XP take the remaining 800GB space and started XP installation. Upon rebooting, instead of "Error Loading Operating System", I get...
...(a blinking cursor.)
Sensing some hope, I put in my Win 7 Installation CD and ran startup repair tool. Upon reboot, my system was able to boot into WIn 7 OS again.(But no dual boot menu).
From then on I just installed EasyBCD
Download EasyBCD 1.7.2 - NeoSmart Technologies
, created a WinXP entry, and rebooted. This time the dual boot menu came up, I selected XP option and the XP install continued from there.
Attempt 5:
I varied Attempt 4 by pre-creating the XP partition beforehand in Win 7 Disk management Tool (as I couldn't resize the XP partition to the size I want after Attempt 4), loading Win XP CD, reformatted that partition (as I heard XP NTFS not truly compatible with Win7 NTFS), and installed XP into that partition. Re-run startup-repair tool, and the repeated the rest of the steps. This method also works. Seems like as long as the unallocated 1MB partition was created by Win 7 Disk management tool, the startup repair tool works. However, If you use the Win 7 DVD (Advanced > New..) partitioning method, the unallocated 1MB space will not be created at the front of disk and Win 7 startup repair tool will fail.
I then spent the other 1/2 of the day figuring out how to get Kubuntu booted as the 3rd OS, but that's a story for another day.
Nice testing you have done there...I can see this to be valuable for other people out there that one day may have this issue
My System Specs
System Manufacturer/Model Number
Compal JFT02 (Custom Build Laptop)
Windows 7 Home Premium x64 - Mac OS X 10.6.4 x64
Intel Core 2 Duo T9300 2.5 GHz
4GB Kingston DDR2-800
Graphics Card
NVIDIA Geforce 8600M GT (512MB Model)
Sound Card
Realtek HD Audio
Monitor(s) Displays
WUXGA Standard Laptop Display
Screen Resolution
Standard Laptop 105 Key-Keyboard
Synaptics Touchpad
Standard Laptop Power Supply
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22 posts tagged with capitalism and capital.
Displaying 1 through 22 of 22. Subscribe:
Apply yourself to supply your wealth
The Universal Right to Capital Income - "If a universal basic income is to be legitimate, it cannot be financed by taxing Jill to pay Jack. That is why it should be funded not from taxation, but from returns on capital." (via) [more inside]
The Court That Rules The World
International investors have a private court of appeal even in criminal matters - "A parallel legal universe, open only to corporations and largely invisible to everyone else, helps executives convicted of crimes escape punishment. [ISDS] operates unconstrained by precedent or any significant public oversight, often keeping its proceedings and sometimes even its decisions secret." (via) [more inside]
World After Capital by Albert Wenger [Work in Progress; GitHub; GitBook; PDF; FAQ] - "Technological progress has shifted scarcity for humanity. When we were foragers, food was scarce. During the agrarian age, it was land. Following the industrial revolution, capital became scarce. With digital technologies scarcity is shifting from capital to attention. World After Capital suggests ways to expand economic, informational and psychological freedom to go from an industrial to a knowledge society." (previously)
UBI in NYT
It's Payback Time for Women - "Society is getting a free ride on our unrewarded contributions to the perpetuation of the human race." (via) [more inside]
The Unseen Threat of Capital Mobility
For the Wealthiest, a Private Tax System That Saves Them Billions -"The very richest are able to quietly shape tax policy that will allow them to shield billions in income." (via) [more inside]
Desire Modification in the Attention Economy
The Future of (Post)Capitalism - "Paul Mason shows how, from the ashes of the recent financial crisis, we have the chance to create a more socially just and sustainable global economy." (previously; via) [more inside]
Basic Income: How to Fix a Broken Monetary Transmission Mechanism
FINLAND: New Government Commits to a Basic Income Experiment - "The Finnish government of Juha Sipilä is considering a pilot project that would give everyone of working age a basic income."[1,2,3] (via) [more inside]
After Capitalism, Humanism
Shared Prosperity, Common Wealth, National Equity and a Citizen's Dividend: Nirit Peled takes a look at social experiments in basic incomes for VPRO Tegenlicht, a Dutch public television documentary series. Starting with a German crowdfunded UBI chosen by raffle -- kind of like the opposite of Le Guin's Omelas (or Shirley Jackson's Lottery in reverse) -- the focus moves on to Albert Wenger who wants to disconnect work from income not only as automation progresses but to accelerate the process. Then it's on to Guy Standing who has conducted basic income experiments in India and Namibia (pdf) and is trying to get one off the ground in Groningen (Utrecht apparently is also a go). Finally, a stop in Alaska to ask some of its residents about their views on the state-owned Permanent Fund. This last part brings to mind the question: just what is wealth anyway? [more inside]
The Social Construction of Money (Wealth/Capital in the 21st Century)*
The political economy of a universal basic income: "your view of what is feasible should not be backwards looking. The normalization of gay marriage and legalization of marijuana seemed utopian and politically impossible until very recently. Yet in fact those developments are happening, and their expansion is almost inevitable given the demographics of ideology... UBI — defined precisely as periodic transfers of identical fixed dollar amounts to all citizens of the polity — is by far the most probable and politically achievable among policies that might effectively address problems of inequality, socioeconomic fragmentation, and economic stagnation." [more inside]
Dear Marc Andreessen
"Hi, Marc... You seem to think everyone's worried about robots. But what everyone's worried about is you, Marc. Not just you, but people like you. Robots aren't at the levers of financial and political influence today, but folks like you sure are. People are scared of so much wealth and control being in so few hands... Unless we collectively choose to pay for a safety net, technology alone isn't going to make it happen." [more inside]
Beyond samba, sex and soccer: The World Cup riots in Brazil
Brazil has spared no expense for the upcoming World Cup. The month-long competition will feature 64 matches in 12 cities across the country. Refurbishing old stadiums and building new ones has cost Brazil $3.6bn. Several of the new stadiums will seldom be used after the World Cup, and Brasilia's World Cup stadium is estimated to have cost taxpayers $900m. [more inside]
Evenly distribute the future: Issuing more bio-survival tickets
VC for the people - "It's just that people who have options are much more likely to actually find success than people who don't." [more inside]
The Library as an Economic Model in the Second Machine Age
Congress takes a casual look at the peer-to-peer economy - "Finding new ways to monetise used or existing assets has the obvious and immediate effects of raising their value and the wealth of their owners, while simultaneously reducing the value of comparable stuff owned by incumbent companies — for whom monetisation already wasn't a problem, and who find themselves burdened by the newly competitive environment. The innovations also provide a surplus to those consumers who previously would have paid more to an incumbent. And all without any new stuff actually having to be made." [more inside]
listen to the wealthy scream
The return of "patrimonial capitalism": review of Thomas Piketty's Capital in the 21st century (pdf) - "Thomas Piketty's 'Capital in the 21st century' may be one of the most important recent economics books. It jointly treats theory of growth, functional distribution of income, and interpersonal income inequality. It envisages a future of relatively slow growth with the rising share of capital incomes, and widening income inequality. This tendency could be checked only by worldwide taxation of capital." [more inside]
Where would be the fun in watching a driverless Formula 1 race?
Brad DeLong, recently installed at Equitablog, lays out a future (wonkish) where the returns to capital keep increasing relative to labor: "What do we people do to add value? Eight things... [more inside]
"Dwarven society is more egalitarian than… human feudal societies were"
Dwarf Fortress: A Marxist Analysis
What one does in Dwarf Fortress is create a colony of an existing dwarven fortress – you're always sent out as a team from a much larger existing stronghold elsewhere, and your foreign relations with other dwarves are limited to that particular fortress, on the whole. Even though your settlement is independent and self-governing, and the relations with the mother fortress mostly those of trade, the purpose of the game in all its open-endedness can be nothing other than to create oneself in the image of the previous fortress. In other words, fundamentally in Dwarf Fortress you reproduce the existing structure of dwarven society on a merely quantitatively expanded scale.[more inside]
Game behind gamed: your narrative programming for the day
How The Economic Machine Works by Ray Dalio[1] actually makes a case against austerity[2] and for redistribution, but also for money printing (and, arguably, for bailouts), while stressing the need to keep making productivity-improving public and private investments. However, it could be equally entitled: How The Industrial Age Political-Economy Doesn't Work Anymore, viz. Surviving Progress (2011)... [more inside]
Coronet Instructional Films
From the mid 40s to the mid 50s Coronet Instructional Films were always ready to provide social guidance for teenagers on subjects as diverse as dating, popularity, preparing for being drafted, and shyness, as well as to children on following the law, the value of quietness in school, and appreciating our parents. They also provided education on topics such as the connection between attitudes and health, what kind of people live in America, how to keep a job, supervising women workers, the nature of capitalism, and the plantation System in Southern life. Inside is an annotated collection of all 86 of the complete Coronet films in the Prelinger Archives as well as a few more. Its not like you had work to do or anything right? [more inside]
"Whereas the left is always in danger of talking itself into the ground."
What's also obvious is that this phase of Occupy, with talk of credit unions and occupying the SEC, while eminently worthy, is also kind of boring, especially when compared to the thrill of Occupy's park phase. Some, though, are ready to move on. "It's easy to go back to the park occupation and fetishize it, in a way," says Occupy Chicago's Brian Bean. "I prefer not to run a mini-society – I want to run society." - The Battle For The Soul Of Occupy Wall Street - Rolling Stone - Mark Binelli.
sovereignty and taxation
Dead labour.
A close reading of the text of Volume One of Marx's Capital in 13 two-hour video lectures by David Harvey. (Two online so far) David Harvey is a Distinguished Professor of Anthropology at the City University of New York. He has been teaching Karl Marx's Capital, Volume I for nearly 40 years. Marx biographer Francis Wheen speaks on NPR as to why the book remains required reading.
Hernando de Soto
Hernando de Soto is the founder of the Institute y Libertad Democracia, one of the world's premier think-tanks on economic development, based in Peru. His argument is that development in the third-world has failed because of institutional barriers which prevent ordinary citizens from legally registering their own property. His viewpoint is not unchallenged though, as Robert J. Samuelson challenges that he overlooks significant cultural differences between the West and "the Rest". These differences reward different values than the West's capitalism, and cause development to take a very different course than Western economists predict it should.
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How to use the internet on my paperwhite kindle?
Sarah Petrella
How do I use the internet on my paperwhite kindle?
I dont have one, what do the instructions say?
You get to set it up first to make use of it. Here you can find the details on setting up internet connection on the Kindle Paperwhite, including both WiFi only and 3G models:
Hope that helps.
- Does the Kindle Paperwhite have an Internet browser?
- The internet is not working on my Kindle Paperwhite?
- Can kindle paperwhite be connected with mobile phone internet hotspot?
- Amazon kindle paperwhite.epubs computer to paperwhite?
- Ways to get internet (like a cell phone does), without having and internet connection at home?


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A thicker version of Pergo's classic hickory floor, this floor features a rich coffee color with darker tones that accent grain variations and warm undertones, creating depth throughout the finished floor. This laminate floor features an exclusive Pergo texture, adding interest to the traditional grain. Coffee Handscraped Hickory also offers:
Sample $5.00 (includes shipping & handling)
Coffee Handscraped Hickory--12mm
Choose from common room dimensions.
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The estimated amount of flooring needed for your project is:
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Enter your own room dimensions


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Use the tools below to refine your search by only displaying reviews with a certain number of star ratings or to only show reviews from a certain time period. Eg click on '1 star' to just display the reviews we have which received a 1 star rating click or 'Within the last month' to display just reviews posted over the last month.
Written on: 14/07/2009 by swankypotter (3 reviews written)
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This article focuses on American Capital (NASDAQ:ACAS) and compares it to the 23 BDCs covered in previous articles. I changed the title from "The Good, The Bad and The Maybe" series of which this would be Part 20. Please visit bdcbuzz.blogspot.com for updated info or see the list of previous BDCs covered at the end.
Business Development Companies (NYSEARCA:BDCS) lend to small and mid-sized businesses, with limited financial leverage, paying out most of their income to investors and paying little to no corporate tax.
These are the five general criteria I use to evaluate BDCs:
- Profitability (EPS to cover dividends, growth)
- Risk (diversification, volatility, leverage)
- Payout (sustainable, consistent, growing)
- Analyst Opinions
- Valuation (P/E, PEG, NAV)
For more information about BDCs, how I evaluate them, and my BDC investment philosophy, please see this article.
Below is an oversimplified table evaluating the companies I have reviewed among a universe of 30 BDCs giving them a relative score between 0 and 10 (10 being the best). In reality I use different weightings for almost 100 data points on each company and my personal rankings (based on my risk/return comfort) are close to these but far from exact. In future articles I will add the new companies to this table as well as update info.
American Capital
- Market Cap: $4.5 billion
- Div Yield: 0%
- Div/EPS: 0%
- Price/NAV: 0.82
- Debt/Equity: 0.14
Recent Developments
- March 28 - Announced that in the first quarter of 2013, it purchased approximately 9.0 million shares of its common stock.
Since 2007 annual revenues have declined by almost 50% (see chart below) but recently have seen modest growth of around 4% a year.
Operating expenses excluding interest, expense reimbursement from American Capital Asset Management, LLC, debt refinancing costs and stock based compensation, divided by total shareholders' equity, has improved significantly since 2009 (see chart below).
EPS in 2012 were down 9% from 2011 and little growth is expected through 2014. However, since the IPO in 1997 and through the fourth quarter of 2012, the company has earned a 10% compounded annual return, including interest, dividends, fees and net gains, on over 340 realizations of senior debt, subordinated debt, equity and structured products investments, totaling $18 billion of committed capital.
As of December 31, 2012, it had investments in 139 portfolio companies totaling $5.3 billion at fair value with better than average industry diversification (see chart below) but the ten largest investments at fair value accounted for 57%, including European Capital at 15% with continued EU exposure.
Only 16% of the portfolio is senior debt, 21% is mezzanine or subordinated debt, 5% is "Structured Products" and the remaining 58% are various forms of equity (see chart below). Included in the Structured Products are collateralized loan obligation ("CLO") securities, collateralized debt obligation ("CDO") securities and commercial mortgage backed securities ("CMBS"). In a previous article I discussed some potential issues with these types of investments including potentially riskier and less transparent than direct investments in portfolio companies, repayment priority of more senior debt holders, thinly traded, not listed on traditional exchanges, making them less liquid, difficult to value and more volatile. However, ACAS manages some of these investments itself and it only accounts for 5% of the portfolio. Other BDCs that invest in CLO type vehicles are KCAP Financial (NASDAQ:KCAP) with 24% of its portfolio, TICC Capital (NASDAQ:TICC) at 32%, Prospect Capital (NASDAQ:PSEC) at 14% and Ares Capital (NASDAQ:ARCC) which has recently reduced its exposure to 1%.
Recently the credit quality of the private finance portfolio has been declining due to higher leverage ratios of its portfolio companies (see chart below).
For detail on the footnotes of this chart please visit the ACAS web site here.
When interest and/or principal payments on a loan become past due, or if the borrower is not expected to be able to service its debt and other obligations, loans are placed on non-accrual status. Some BDCs have high non-accruals like ACAS, PSEC, KCAP, Gladstone Capital (NASDAQ:GLAD) and MCG Capital (NASDAQ:MCGC). As of December 31, 2012, ACAS had non-accruing loans at cost totaling $260 million or 12.9% of total loans at cost or 9.0% of total loans at fair value. This is among the highest in the industry but has shown improvements in the last two quarters (see chart below) and is less than GLAD, currently the highest at 16.4% on a cost basis.
ACAS and THL Credit (NASDAQ:TCRD) have the lowest debt to equity ratios at 0.14. But ACAS has some of the highest volatility ratios and poor down market performance dropping 97% during the recession.
On September 30, 2011, ACAS changed from a regulated investment company ("RIC") to a Subchapter C and discontinued paying dividends. Under Subchapter C, it was able to carry forward any NOLs historically incurred to succeeding years and will probably not have to pay taxes for a while. ACAS has decided not to pay dividends until its share price returns to NAV and is using earnings for share repurchases, paying down debt and building the portfolio. In March it announced that in Q1 2013, it made open market purchases of approximately 9 million shares, or 3% of outstanding shares as of December 31, 2012, at an average price of $14.23 per share, totaling approximately $128.3 million.
Most analysts downgraded the stock shortly after the conversion to a Subchapter C but currently rate it between a "Hold" and a "Buy" with a wide range of target prices from $12 to $18.
Since most BDCs pay 90% or more of earnings to shareholders, large NAV growth rates are rare with the exception of ACAS and Main Street Capital (NYSE:MAIN). Usually when a company has high NAV growth rates investors pay a premium to book value such as MAIN currently trading at a 70% premium. ACAS is currently trading at a discount of around 20% probably because it does not pay a dividend. Below is a chart showing the average price to book ratios since its IPO.
The P/E of 12.6 uses the net operating income for 2012 of $397 million or $1.16 per share and does not take into account the unrealized appreciation of portfolio company investments. This is higher than the average of around 11. The PEG ratio is higher as well considering analyst expectations for growth in the next two years is low.
What is good about ACAS? It definitely stands out among BDCs in many ways including being one of the more seasoned, larger and dominant companies in the industry, as well as favored among many analysts and investors (especially here on SA). Obviously the continued growth of NAV per share and repurchase programs showing management's confidence that the stock is undervalued, are excellent indications. However, the calculation of NAV for all BDCs is an area of concern because most of the assets are not traded in active markets accessible at the measurement date for identical valuation but instead are considered Level 3 investments where measurements "are unobservable and cannot be corroborated by observable market data." This is not necessarily a bad thing since it leaves room for assets to be undervalued such as European Capital ("ECAS"), with a valuation below its NAV as a result of applying several discounts in computing the fair value.
ACAS has one of the higher risk profiles due to the majority of the portfolio in equity or mezzanine debt with declining credit quality and high non-accruals, which are potentially driving some of the volatility and poor down market performance. Obviously investors of ACAS are trading dividend payout for capital gains but those gains could quickly be erased if NAV is materially impacted through either internal or external causes such as the last recession when it declined over 90%. I prefer dividends paid throughout the year with the further upside of capital appreciation and less volatility.
At this point ACAS's stock price has outperformed most BDCs and is now 18% away from NAV. It is still a good buying opportunity but as the price approaches NAV or if there is an economic downturn I would be very concerned.
Investors waiting for ACAS to pay dividends again might have a long wait. Maybe when the stock price is closer to NAV, the company invests substantial amounts of earnings to grow the portfolio to increase taxable income and use up its NOLs, encouraging ACAS to return to a tax structure that requires pass-through dividends is one of many scenarios. If they decided to pay a dividend soon the yield would be close to 8% assuming they pay 100% of NOI, which is on the low side but implies the current pricing of ACAS is adequate.
Two final charts below show insider buys and sells over the last two years for ACAS and TCRD. Many of the sells for ACAS are automatic sells but there is a lack of green showing insider buys.
Many of the charts used in this article can be sourced back to the ACAS website here.
Previous articles:
- Part 19 - Full Circle Capital (FULL)
- Part 18 - Solar Senior Capital (NASDAQ:SUNS)
- Part 17 - Gladstone Capital
- Part 16 - Fidus Investment (NASDAQ:FDUS)
- Part 15 - Horizon Technology Finance (NASDAQ:HRZN)
- Part 14 - TICC Capital
- Part 13 - TCP Capital (NASDAQ:TCPC)
- Part 12 - Triangle Capital (NYSE:TCAP)
- Part 11 - New Mountain Finance (NYSE:NMFC)
- Part 10 - THL Credit
- Part 9 - Golub Capital (NASDAQ:GBDC)
- Part 8 - KCAP Financial
- Part 7 - Ares Capital
- Part 6 - Hercules Technology Growth Capital (NASDAQ:HTGC)
- Part 5 - Solar Capital (NASDAQ:SLRC)
- Part 4 - PennantPark Investment (NASDAQ:PNNT)
- Part 3 - Apollo Investment (NASDAQ:AINV)
- Part 2 - Prospect Capital , BlackRock Kelso Capital(NASDAQ:BKCC) and Main Street Capital
- Part 1 - Medley Capital (NYSE:MCC), MCG Capital and Fifth Street Finance (NYSE:FSC)
Disclosure: I am long TCPC, MCC, MAIN, PFLT. I wrote this article myself, and it expresses my own opinions. I am not receiving compensation for it (other than from Seeking Alpha). I have no business relationship with any company whose stock is mentioned in this article.


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Anna Young's Reviews > Like Water for Chocolate
Like Water for Chocolate
by Laura Esquivel, Thomas Christensen (Goodreads Author) , Carol Christensen
by Laura Esquivel, Thomas Christensen (Goodreads Author) , Carol Christensen
Anna Young's review
Jul 01, 2008
Read in October, 2007
Why was this book considered, by some, a classic? It read like a smut novel to me. I enjoyed learning about Mexican culture, and this novel certainly gave me an unrealized appreciation for modern kitchen technology. It also makes me feel good about the fact that while once upon a time, women had servants to do the housework, laundry and cleaning, because it was too much to handle, I can handle it all myself. Okay, again, that's a huge appreciation for modern technology. Anyway, many of the relationships were very disturbing, especially among the sisters and mother. I think the best part about the book was that Esquivel is a very good writer--she shows us what's happening so that we can experience the feelings just as the characters do. If you want a fantastical read, this is a good one--Esquivel weaves magic into this and gives a lot of power to emotions. If easily offended, I would pass this one over.
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- 08-11-2013, 05:38 PM Thread Author #1
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looking to buy VGN?
I'm thinking about buying a galaxy nexus on eBay for Verizon to tide me over until I find my next full time phone. I currently have two lines on Verizon, my wife's Droid razr M who upgraded back in March and my current Droid 3 which has its contract end this month. I've never had a. Sim card phone so I'm wondering what my options are with this galaxy nexus. When my contract ends on the Droid 3 do I have to put the GN. On my account or can buy a prepaid Sim thru Verizon? If I go to Verizon to buy a Sim card for this phone will they require me to sign a contract? Thanks for any help.
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Re: looking to buy VGN?
If you buy the gnex off eBay you can just take it in to the Verizon store and they will give you a sim card. No need to sign a contract if you aren't buying a subsidized phone.
Sent from my SCH-I605 using Tapatalk 4
- 08-12-2013, 06:40 AM Thread Author #3
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