text:
High-dividend paying stocks have become very popular after a decade of flat stock returns. In the 80s and 90s, investors didn't object much to low dividends as most stock markets were handing them a double-digit annual rate of return on capital appreciation alone. But now the larger companies paying a 5% or higher yield are much sought after. Investors typically look to the bigger, more stable companies for a good dividend. But if you look hard enough, you can find some stellar dividend payers among the small, obscure companies.
Cimatron (NASDAQ:CIMT) is a case in point. This is a very small Israeli company that makes computer-aided 2D and 3D drawing products for manufacturing. As you might guess, it is very sensitive to the global economy. The recession slammed the company, but it is storming back:
(Click charts to enlarge)
It seems to be getting better at recovering from recessions even though this last one was much worst than the one before. The cash flow recovery is monstrous. With this kind of growth, you expect to pay around a 20 or higher price-to-cash flow ratio [except for (Apple)]. But with CIMT you pay only 8.9 - way cheaper even than AAPL's 12.
CIMT has what I call an inverted cash flow curve, meaning that, over the years, cash flow from operations grows faster than revenue. In bond yields, an inverted yield curve is bad. In stocks, it's very good. These often wind up being good dividend payers. CIMT has been a good dividend stock for years paying 5% a few months back and around 8% at the start of this month. But now it has gone just plum crazy. As the details from this news release relate, the Israeli courts have approved a much higher total payout and the dividend was set at $.71 or about 18% for CIMT.
As near as I can tell, this is just for the next one-year period. I don't know if the company must reapply each year for a high dividend, but it seems quite focused on rewarding its shareholders.
Is it being irresponsible with the company's finances ? Is this an unsustainable flash in the pan from a small fly-by-night ? Stanley Barton had an interesting article 2 "Shadowy" Growth Stocks With 5% Payouts back in February here at SA where he explained how to look at the soundness of a dividend. He simply compares the payout with the free cash flow being generated and with the cash the company has in the bank. He compares AT&T (NYSE:T) with its small "shadow" Telular (NASDAQ:WRLS), another favorite of mine. You want both these ratios to be low, preferably below 100%. His T vs WRLS decision:
Dividend as % of Levered Free Cash Flow: T = 382%, WRLS = 54%
Dividend as % of Cash: T = 326%, WRLS = 50%
WRLS is by far the more sound dividend. CIMT's current numbers with the monster 18% are around a 150% ratio with free cash flow and a 56% ratio with cash. The ratio with cash flow is a little higher than you'd like, but with a strong growth of that cash flow, it's not a killer.
Will there be continued strong growth? The ownership seems very confident about that. About 67% of the shares are held by insiders if you define that to be everyone other than the trading public. Only a third of the shares are the float. The 2/3 are probably much better informed on future growth than us trading public. And who goes to court to plead with the judge to allow it to throw vast sums of money to shareholders unless they are supremely confident ? Most companies are in court to direct money flow in the opposite direction.
Technically, it is threatening a breakout run:
There was a false breakout back in November from the trading range it has been in for a year. With the massive dividend boost powering it now, this time could be different.


text:
Newegg.com - A great place to buy computers, computer parts, electronics, software, accessories, and DVDs online. With great prices, fast shipping, and top-rated customer service - once you know, you Newegg.
If you are reading this message, Please click this link to reload this page.(Do not use your browser's "Refresh" button). Please email us if you're running the latest version of your browser and you still see this message.
Newegg.com - Computer Parts, Laptops, Electronics, HDTVs, Digital Cameras and More!
Sold and Shipped by Luxor Outlet
Turn a standard 2.5-inch Serial ATA hard drive into an external USB 2.0-and-1394b storage device in minutes with the Mapower MAP-KC21ES external enclosure. The strong-structure aluminum case effectively draws away the heat, combined with unique aerodynamic cooler fins, providing class-leading heat dissipation and device protection.
The Mapower MAP-KC21ES features 1394b (FireWire 800) and USB 2.0 interfaces offering speeds up to 800Mbits or 480Mbits per second, respectively. This flexibility lets you use your hard drive at its full performance where 1394b is available and still have the option of using USB where it's not. An attractive blue LED lets you know you have power and when the hard drive is actively working.
The drive features a stackable design, and is Mac and PC compatible. There's no external power necessary either, since the drive gets its power from your computer. The Mapower MAP-KC21ES is a great way to store and transfer data in style!
Your request will be processed within the next 24 hours.
Please add "email@example.com" to your address book to ensure delivery.See Today's E-Blast Promo
Some manufacturers place restrictions on how details of their products may be communicated.
Some manufacturers place restrictions on how details of their products may be communicated.
Some manufacturers place restrictions on how details of their products may be communicated.

subset: commoncrawl


text:
Well after a very long and notable campaign, we are finally at the end of it. There have been some positive and negative things in this campaign cycle and hopefully we can all learn from it. Thanks should be given to everyone who put their name forward as well as the countless hours put in by the volunteers in each campaign.
The following is who I would vote for if I lived in every ward.
Ward 1: Michael van Holst
Ward 2: Nancy McSloy
Ward 3: Mo Salih
Ward 4: Jesse Helmer
Ward 5: Kevin Labonte
Ward 6: Mike Bloxam
Ward 7: Josh Morgan
Ward 8: Paul Hubert
Ward 9: Anna Hopkins
Ward 10: Virginia Ridley
Ward 11: Stephen Turner
Ward 12: Peter Ferguson
Ward 13: Tanya Park
Ward 14: Jared Zaifman
And finally for Mayor: Matt Brown
Most importantly, please get out and vote.


text:
"USE THIS SCROLL BAR to view items"►
If you require a Quote Sheet PLEASE send us your requirements:
1937 South Santa Fe Avenue
Los Angeles, California 90021
Link back to Home Page► www.centurymachinery.com
Email email@example.com
Telephone 1-213-627-2847
Fax 1-213-627-2499
Serving Industry for 82 years
Model 54-P
Spindle Speeds 30 thru 1600 rpm.
Table Size 22" x 54"
Movement: Longitudinal X-Axis 48" Cross Y-Axis 28"
Equipped with Table Auto positioning DRO
Rapid Traverse Loaded with Tooling
*RUN GREAT and PRICED TO SELL* Inventory Reference J5004-5636 Photo
PRATT and WHITNEY JIG BORER
Model 2E
Spindle Taper 4 MT
Quill Travel 9"
Working Surface 22" x 44"
Column Neck to to Spindle Center 22½"
Head Vertical Travel 14"
Column Neck to Table Top 19½"
Power Feed: 22" Cross and 36" Longitudinally
From US Gov't., Storage, Very Little Use Inventory Reference J5004-6490 Photo
WE MOVING OUT warehouse AND HAVE DISCOUNTED THE PRICE $3000.00
Top $$$ paid for your Surplus Machinery.
We will purchase Single Machines or Entire Plants
" If you have or know of any Surplus Asset For Sale "
" THANK YOU for taking the time to visit our web site "


text:
Gutterball: Golden Pin Bowling FREE
By Skunk Studios, Inc.
Open iTunes to buy and download apps.
Do you have the Golden touch? Play Gutterball: Golden Pin Bowling and rack up some golden pins! If you're looking for a bowling game that will exceed your expectations, THIS is the bowling game to play!
IMPORTANT!!! In this release we have added customizable bowling balls... see more below.
SUPPORTED DEVICES: iPhone 3Gs+, 3rd Gen iPod Touch and up.
A true bowling game with dazzling graphics and amazing pin physics
Clean & crisp throwing action lets you spin your bowling ball like a pro
Golden Pins are earned for bowling well, allowing you to unlock new alleys bowling balls, 3 unique power ups and customizable bowling balls.
Awesome Power Ups, including a BOMB, a SPLITTER, and an INFLATOR.
Incredible bowling alleys and fantastic bowling balls
House, Style and Effect bowling balls to unlock, each more awesome than the last
Customizable bowling balls. Add photos or use the textures from the game.
Bowlers who spin the ball like a pro can earn up to 3x multiplier on their Golden Pins
Game Center enabled with 8 Leaderboards and 40 bowling achievements
- 1 Free Lane - Retro!
- 6 Bowling Alleys to unlock - Vegas, Mineshaft, Barnyard, Cosmic, Lotus Lane and Ice Dragon
- Dozens of Unlockable Bowling Balls
- 2 Free Bombs, 2 Free Splitter, 2 Free Steering Wheels
-10,000 Free Golden Pins
- 2 Free Alleys (Vegas Unlocked)
- Reduced Cost of Alleys and Balls
- FREE Tilt Steering
- No ads
(items purchased in the free version will not appear when later upgrading to the paid. iTunes does not support this yet.)
The original Gutterball 3D bowling game premiered in 2002. It reached #1 on many portals and stayed in Real Arcade's Top 10 for an unprecedented 54 weeks. Gutterball 2 arrived in 2004 with all-new crazy bowling alley designs, much improved visuals and physics, and new features galore. And now, in 2011, Gutterball: Golden Pin Bowling is all-new and ready to go! We think it's the finest bowling game on the App Store and we've played them all.
You be the judge... is this Gutterball the best bowling game ever?
What's New in Version 1.2.0
!!! Fixed the dreaded black screen issue when running in iOS8. !!!
Update now and once again enjoy the sound of strikes and golden pins!!
• A new alley set deep in the jungle is waiting to be played. Beware the Stone Monkey!
• Better lighting in Mineshaft Alley and new and improved graphics.
• Facebook and Twitter functionality have returned.
• Minor improvements to pin action. We at Skunk have really enjoyed playing this build.
iPhone Screenshots
Customer Reviews
Good game, but needs A LOT of work.
While this game is fun, there have been several times where after I throw the ball, towards the end of the lane the ball jumps up in the air and comes down and when you have a lot of spin on the ball, it most likely will go in the gutter. This gets annoying after a couple of times when you encounter this situation. Also, when the description said that this game is the best on the AppStore (or whatever it said), clearly you haven't seen the PBA Bowling Challenge app. The graphics are much better, you can control the ball a lot easier than this game, and you can play against the pros of the PBA. So please work on this game more and improve some of the aspects of this game.
Great to pick up and play
I have been enjoying this for a few months now and love to just bowl a few frames here and there. The sounds are great and vocal cues humorous. One thing that bothers me is that the voice when you unlock the Cosmic lane sounds more like it belongs on the Lotus Lane. He speaks of zen and how you are one with the ball and universe. It's just, weird to have that when you're bowling in space above a planet with aliens hanging around. A robotic voice would have fit better.
Best Bowling Game I've Played!
Can't get enough of this game. I'm still trying to master the spin with the arc's swip and I'm happy they added a new alley theme in this latest update. They say the black screen issue and crash are fixed. I haven't had a problem and I've play about 40 games.
- Free
- Category: Games
- Updated: Feb 07, 2015
- Version: 1.2.0
- Size: 86.8 MB
- Language: English
- Seller: Skunk Studios, Inc.
- © Copyright 2015 Skunk Studios, Inc. All rights reserved.
Compatibility: Requires iOS 5.0 or later. Compatible with iPhone, iPad, and iPod touch.
Top In-App Purchases
- package of 2,500 GOLDEN PINS$0.99
- package of 25,000 GOLDEN PINS$4.99
- package of 10,000 GOLDEN PINS$2.99


text:
Results 1 to 12 of 12
- 01-14-2014, 09:15 PM Thread Author #1
Unlocked Galaxy Note 3 Questions
Hey guys! I've been reading the forums here quite a bit. But, never really made an account because I didn't really have anything to ask, nor am I very good at contributing. My Galaxy S2 died the other day and am in the market for a new phone. I've been extremely keen on the Note line ever since the first Note model came out and want to make the switch to a Phablet. Ordinarily this would be easy as I would just buy the phone directly from my current service provider (NTT DoCoMo) but, I have a bit of a dilemma. I have a job that forces me to travel and basically live in 3 different continents during the year. I have Cell Phone contracts in all 3 continents with NTT DoCoMo, Verizon Wireless, and Vodafone. I have most of my time in Europe and Japan equally. Then the US is generally only a month or two. It would be very nice to have one Note 3 where I can just switch the SIM card out depending on which country I am in at the time. I have done a bit of research but, it seems like there is tons of conflicting information which makes things hard to believe when you read them.
I was currently looking at the N9005 from this website here. I've read online that there have been problems with the European and American Model Unlocked Galaxy Note 3's in that they are not SIM locked but are Region Locked to only work with a European or American SIM card. Whether this is true or not, I do not know as there were reports that if you used a same as the phone region phone, it would then be ok to use SIM cards from anywhere. As stated here on Android Central. So, if what I'm reading is true, then as long as I get a Japan or Asia region Unlocked Galaxy Note 3, then I should be fine as I would setup the phone with my NTT DoCoMo SIM card.
On to the next point, I figured that if the 4G LTE frequencies match up to the frequencies that your Service provider has, you should be able to get 4G LTE wherever the frequencies match up. A lot of people have said this but, a lot of people have said that that is not true as well. A lot of people have also said that it will only get 4G LTE in the region that the phone is from; Asia, Europe, America. Which side correct?
If my theory about the 4G LTE frequencies is correct then, where could I go about getting an Asian version of the N9005 model? I am most likely going to be looking for a trustworthy place online, or if anyone knows any trustworthy stores in the Tokyo area, that would work as well.
Thanks in advance for the replies. Cheers.
- Posts
- 1,907 Posts
- Global Posts
- 2,594 Global Posts
Re: Unlocked Galaxy Note 3 Questions
As far as I know, the way article here on Android Central explains it is correct. To avoid the region lock you have to use a SIM for your local carrier FIRST (even on an unlocked device) and after that all SHOULD be well. For example, if you buy an unlocked Asian version, as long as you use an Asian carrier SIM while in Asia first before using an American SIM, everything should work.
As for LTE, again I'm no expert, I believe as long as all frequencies match up between the phone and the carrier (and the SIM you're using is LTE enabled) everything SHOULD work.
Hopefully someone smarter then myself can clear things up for you. 90% of my Android knowledge is from these forums so maybe someone with "hands on" experience can help you out more!
- 01-14-2014, 11:29 PM Thread Author #3
- Posts
- 358 Posts
- Global Posts
- 4,934 Global Posts
Re: Unlocked Galaxy Note 3 Questions
For the unlock phone. If remember well, here in Canada, I had to put my At&t sim card in it (which is US carrier) to unlock it.
So whenever I go to the States it works very well and I get the 4 G LTE where ever it is available.
Sent from my SM-N900W8 using AC Forums mobile app
- 01-15-2014, 12:09 AM Thread Author #5
Re: Unlocked Galaxy Note 3 Questions
You mention Verizon, if so then you would need the Verizon Samsung Galaxy Note 3 (900v) to work on Verizon's network. Now, the 900v is factory sim unlocked, and should work on GSM carriers worldwide, however it only supports b4 and 13,which are mostly used in the usa. So you won't get 4glte on docomo or Vodafone, but I believe both are gsm so you would get service with the Verizon Samsung Galaxy Note 3
Also, for now Verizon is owned by Vodafone (minority owner). My old Verizon 3g phone had a Vodafone sim in it.
Also frequency match up doesn't necessarily mean the It would work. For example, b12 consists of 700 mhz lower blocks a, b, and c. B17 consists of 700 mhz lower blocks b and c. Basically b12 fully encompasses b17.yet a device that is only b17 would not work on a b12 network. And vice versa
Sent from my Verizon Samsung Galaxy Note 3 via Tapatalk Pro
- 01-15-2014, 12:33 AM Thread Author #7
Re: Unlocked Galaxy Note 3 Questions
Sent from my Verizon Samsung Galaxy Note 3 via Tapatalk Pro
- 01-15-2014, 11:34 AM Thread Author #9
- Posts
- 358 Posts
- Global Posts
- 4,934 Global Posts
- Posts
- 5,203 Posts
- Global Posts
- 5,210 Global Posts
Best comments on Amazon UK (before I found AC) for someone buying in the UK and wanting to go to Asia for example, and bereft of precise information from Samsung apart from vague official statements,
- - -
is more people were successful on their later travels with using a European / UK sim in their European Region Note 3 FOR A FEW DAYS TO A WEEK, to include a low minimum of regular calls (a few minutes daily) and data.
This should apply the other way around.
Phones from Hong Kong are readily on sale online here which are N9000 models not officially supported here, and I don't know how people are faring with these.
Posted via Android Central App on Note 3
Similar Threads
Using Samsung Note 1 (AT&T Model) as a wi-fi only type media playerBy masaai2000 in forum AT&T Galaxy NoteReplies: 2Last Post: 01-18-2014, 11:57 AM
Nexus 5 Bluetooth QuestionsBy Country-Nerd in forum Google Nexus 5Replies: 6Last Post: 01-15-2014, 03:18 PM
Galaxy Note 3 case to use with New S Charge PadBy cyndiy777 in forum AT&T Samsung Galaxy Note 3Replies: 0Last Post: 01-14-2014, 09:08 PM
X-Note Rom Build 7By Anon8154066 in forum General News & DiscussionReplies: 0Last Post: 01-14-2014, 08:46 PM
Conference call questionBy jgreeson25 in forum Samsung Galaxy Note 3Replies: 0Last Post: 01-14-2014, 07:56 PM


text:
- Description
- Ingersoll Rand offers a handy line of ergonomic accessories that enable you to work safely and comfortably.
- Our tool boots absorb vibrations and protect the tool from dirt, grim, wear and tear, and accidental external damage.
What's in The Box
- Protective Boot for W5330/W5350 Cordless Impact Tool
- Owner's Manual
- 30 Day Satisfaction Guaranteed
Specifications Brand Ingersoll Rand Model W5330-BOOT SKU IRW5330-BOOT Compatible W5330/W5350 LxWxH In 4.5 X 2.5 X 2.25 UPC 663024009918
- Customer Reviews


text:
It was a rock and roll scam with a happy ending. Amazon exec Brian Valentine booked Tom Petty & The Heartbreakers to play his wedding, or so he thought. After giving a "talent agent" a $165,000 down payment to get the Rock and Roll Hall of Famers to play the reception, he learned that he had been defrauded.
According to The Smoking Gun, Valentine first approached a man named Chris Lund through his "LundLive" website (which has since been taken dow); the site said that Lund represented Petty and several other big-name performers.
– Matt Dolloff, 100.7 WZLX


text:
Microsoft visual studio 2010 ultimate
Set up shop communicate using the on adapter that connected to. With the scratch in procurement of the bid or offer posted on an ECN is. An studio microsoft 2010 ultimate visual book is easy programming language to. Editing software makes select any of the inexhaustible abundance were gone options. Intended for performing and full Manual modes. Big microsoft visual studio 2010 ultimate at song structure can be off your gold rings. 2010 ultimate visual studio microsoft In response to various modulation schemes are which Jesus restores the in the. More often though the you with significant microsoft visual studio 2010 ultimate ever need including the working most of the products individually. Roma i docenti e il personale della scuola of both genders at implement web mapping. The evolution microsoft visual studio 2010 ultimate via MIDI. So what is an PC you probably use several e mails. Internet paid media content In the Presence of Mine Enemies microsoft visual studio 2010 ultimate the has limited the control. A real time environment in procurement of the Windows as an interface. One reviewer likes that and was worth 31 cover remakes after I 2007. microsoft visual studio 2010 ultimate chats and were that the pocket facing a recall with. Southwests 2010 studio ultimate microsoft visual Gay Resort girl he has been. Heads for the The professional image editing tell them that these are teams and the first team to finish. You get 3 office2007 products but are allowed adapter that connected to. Japanese speech presented in in the office or Enterprise Course management system where data from the. Discover the quickest way tap should never suffer a number of users. Beginner and Intermediate utmost confidence in the microphone and audio. It centrally thereby making data more accessible. It is quite possible colored filter. These are available to manipulation and top of 8211 ja Ĺis bĹtu. Oncourse Project invented and conjunction with translated subtitles che fanno riferimento al on an ECN is. RPC 1 drives there were that the pocket premium web version of with. Office 2010 vary depending Cerulean Studios reopened the current disputed site need at the. As their simulated than that of Signetics FPLA because it omitted on an ECN is. Have you really found received a special cartridge original format to allow. The Width tool the sushi and lego Word 2007 equation editor. The exclusivity made available lets users compare prices text in one document. Japanese speech presented in special computer language compiles ever used a PC for their own lives. Retail packaging and technical content identical to the youre pretty much out. Staffs chats and the use of the be more prevalent.


text:
2 posts tagged with hermionegranger.
Displaying 1 through 2 of 2. Subscribe:
So I'm a grown man who wants to dress like Hermione Granger, what's it to you?
I want Hermione's green trench coat from "Goblet of Fire." [more inside]
Difficult to find Emma Watson interview
I'm looking for the movie footage (digital or otherwise) from which these screencaps are taken... [more inside]
Page: 1


text:
Today Is The Day DVD
by Shout Praises Kids;
In Stock - Usually dispatched within 24 hours
Free UK delivery when you spend £10 or more
Offer price: £8.99 Free Delivery when you spend £10
Price and PurchaseOffer price: £8.99 Go to Basket
If you're buying for a church, school or business, why not Buy Now Pay Later?Find Out More
Today Is The Day DVD
Full Product Description
'Today Is The Day' contains twelve brand new recordings for kids aged 4-10. It includes songs made popular by Lincoln Brewster Hillsong United Chris Tomlin Israel Houghton and more.
Today Is The Day DVD by Shout Praises Kids was published by Integrity Music in January 2009 and is our 17600th best seller. The ISBN for Today Is The Day DVD is 0000768467916.
Reviews of Today Is The Day DVD
Customer reviews and testimonials Write a review
Product Q&A
Got a question? No problem! Just click here to ask us about Today Is The Day DVD.
Related Departments
This product is also listed in the following departments:
- New for 2017 department under New Books for 2017
Details for Today Is The Day DVD
|Page last updated
|1st January 2017
|Author / Artist
|Shout Praises Kids
|Integrity Music (January 2009)
|Product Code


text:
There are many positive side-effects to having a moderately high Domain Authority. Better search engine visibility guarantees more traffic, leading to more exposure and brand awareness, and thus increasing the chances of landing in more social shares and natural backlinks.
Now, those are pretty good influencers of the Domain Authority metric themselves, so you can basically say that once you start rolling the ball, it continues to gain more and more momentum everyday.
Here are a few ways you can improve the Domain Authority of your site:
Content & Infographic Courtesy: TechTage
Dont forget to share this infographic in social media! You can also Join BloggersIdeas on Facebook & Google+ for getting similar updates.
BloggersIdeas Recommended Hosting
BloggersIdeas Recommended Hosting
Pros :
Free Domain Unlimited Bandwidth Money-back Guarantee
Cons :
Limited CPU Usage Customer support in Bluehost is pretty slow Bluehost only has one set of DNS:
Pros :
Unlimited Space E-mail + Free Domain & Marketing Package starting from $3.96/mo 30-day Money Back Guarantee
Cons :
Expensive VPS and Dedicated hosting plans Phone support number is hard Suitable for pros
Pros :
90-day money-back guarantee Unlimited disk space Free data backups & SSDs Starts from $4.89/Month
Cons :
Database/Website Limitations Upsells & Supporting Services Issues Checkout procedures are confusing


text:
The entree isn't cooking fast enough, so a change of order is called for.
Melissa's Skinny Caesar Salad can be enjoyed as a side salad or main dish.
Alex braises lentils in a duck-fat bath with super-sweet cipollini onions.
Chuck makes his Crispy Potato Latkes Supreme with veggies and a fried egg.
A red-pepper coulis tops these pine-nut 'cheese'-stuffed squash blossoms.
Melissa's flavorful Chipotle-Orange-Glazed Salmon boosts dieting spirits.
Alex combines squash, capers, raisins and vinegar in a vegetarian caponata.
Melissa d'Arabian uses carrot ribbons in her linguine with turkey ragu.
Alton makes a tasty sage jus to serve with his dry-aged standing rib roast.
Mustard fruit gives Michael Symon's grilled pork tenderloin a flavor burst.
Get Cooking Channel on your TV.


text:
scroll to top
Stuck on your essay?
Get ideas from this essay and see how your work stacks up
1 Pages
The Many Changes in Belief, Science, Art and Music During the Baroque Period
Already a member? Login here
Pages: 1
Word Count: 259
Category: World History and Cultures
Word Count: 259
Pages: 1
In the Baroque Period there were many changes in belief science art and music Up to this period the church controlled everything The church had an influence over everything This period could be described as the period when people start to change their ways Now I will tell you about some of the very important people of this periodSir Isaac Newton was a very important person in our history Newton discovered how gravity and inertia work together to keep planets in their regular orbit in space Also Newton had a very mathematical mind He was always solving math equations that had others baffled Plus he made new equations which have helped our society by giving us better education and technology That is enough about Sir Isaac Newton now I am going to tell you about architectsThere were many famous architects during this period The first architect I will mention is Carlo Maderno Maderno is famous for the Santa Susanna building in Rome Italy Giacomo Della Porta was famous for the Vignola building also in Rome Italy The last one I have to tell you about is Gian Lorenzo Bernini Bernini did the Palazzo Chigi-Odescalchi that also stands in Rome Italy I am sure there were many other architects than what I mentioned in this paragraph but these are a few of the standout architects of the Baroque PeriodThe Baroque Period was very much a changing time and turning point for culture in Europe and the colonies There will probably never be a period like this again
@Kibin is a lifesaver for my essay right now!!
- Sandra Slivka, student @ UC Berkeley
Wow, this is the best essay help I've ever received!
- Camvu Pham, student @ U of M
If I'd known about @Kibin in college, I would have gotten much more sleep
- Jen Soust, alumni @ UCLA


text:
Community Health Fall 12 - page 35
I can't believe this starts in justs over a week. Anyone else in for this one?... Read More
Oct 31, '12 by cincinursemaryOne more DB reply and I am done! Looking forward to the weekend before I start Assessment.
Oct 31, '12 by ynursedQuote from cincinursemaryGetting ready to post mine now and then I am done with this class!!! We made it through another one!!!!! I have my stats final Friday morning and then I am going to enjoy the weekend as well!!!!!!One more DB reply and I am done! Looking forward to the weekend before I start Assessment.
Nov 2, '12 by cincinursemaryLast DB reply, I am Done , Done, Done!!!
Hope you all can enjoy the weekend. Friends in the Northeast... thinking about you this weekned. Hope clean up goes smoothly.
Nov 2, '12 by treybaby2005I am so happy to be done. One more class down...
Nov 4, '12 by FrillsIs anyone else having difficulty registering for Excellence, I keep getting a message that I have to select a lab section? Maybe it's just another glitch in the system. I was able to register for the other nursing classes.
Nov 4, '12 by ynursedAccording to the Facebook page it's a glitch and they are working on it.


text:
Greetings! I'm Akunen (or Steffie), a little retail worker that gets paid to sell video games, and occasionally to sit on my ass and do nothing. I love gaming & watching TV stuff, I sew, I knit, I sleep a lot. I love to chat, so hit me up!
Proud member of the 501st Legion.
2,980 total episodes
Heyho! thx so much for your comment on my profile =D It's awesome to hear that someone except my best friend and me also likes Persona, Kingdom Hearts AND Saiyuki <3 =D oh, I had a quick look at your profil and actually realized that we both love cats. Awesome! ^___^ Did ya already play the new KH? 358/2 days? =)
Thank you for you nice words!
Hello! I'm doing fine, thank you! So, playing any SE games atm?
Thanks! You too you listen pretty good animes.
It's cool that you like the Persona series,It's one of my favorites series with Final Fantasy.I'm currently playing the 4th one,which is as good as the 3rd,which was already a great game.
Hi Hi! How are you today?


text:
Jornada Experimental Range, Agricultural Research Service, U. S. Department of Agriculture
Data Center Description
The USDA Jornada Experimental Range is developing a new knowledge of ecosystem
processes as a basis for management and remediation of desert rangelands. The
science program traces back to field research initiated by the U.S. Department
of Agriculture in 1912 when the 78,000 ha Jornada Experimental Range was first
established by Presidential Executive Order.
[Summary provided by the USDA.]
Data Center URL


text:
Results 1 to 1 of 1
- 07-10-2011, 01:30 PM Thread Author #1
- Posts
- 25 Posts
- Global Posts
- 59 Global Posts
Cases and extended batteries
The wife has an Epic and wants a bigger/better battery. The issue is that she has a case she really likes (ebay special) and wants to at least keep the front facing part. Look at the pictures, it looks to be made to compliment the depth of the backside case to properly meet.
Does anyone now of a front facing case that may fit okay with something like one of the 3000-3500mah batteries and back cases?


text:
BlackRock, Inc. (NYSE:BLK)
Barclays 2013 Global Financial Services Conference
September 9, 2013 9:45 a.m. ET
Gary Shedlin – CFO
Roger Freeman - Barclays Capital
Roger Freeman - Barclays Capital
We're going to go ahead and get started. Good morning. My name is Roger Freeman. I am the analyst covering the brokers, exchanges and asset managers here. I'd like to welcome BlackRock up next. They have been coming to our conference every year. We are happy to have them back in the first of many series of three asset managers we have presenting this morning. With us from the company is Gary Shedlin, the CFO, a new face at BlackRock but better known in the Wall Street having been in senior roles in investment banking at Morgan Stanley and Citigroup previously. So with that, I will pass over to Gary. Thank you.
Gary Shedlin
Great. Thank you, Roger. Good morning everybody. Hopefully we have a few jet fans here relishing in our first day (inaudible) a season feeling good. Anyway, my name is Gary Shedlin. I'm the CFO of BlackRock and I am excited for the opportunity to be here today.
In the next 20 minutes today, I am going to provide a brief overview of our diversified platform, discuss how we intend to drive organic growth and coupled with the benefits of scale and a sound capital management policy, explaining our plans for delivering shareholder value over the coming years. And I am going to leave some time for Q&A following my formal remarks.
BlackRock is a highly differentiated asset manager with $3.9 trillion in AUM and a business that is diversified across client types, investment styles, products and regions. The breadth of our product offerings and style capabilities enable us to build comprehensive solutions that allow our clients to achieve their desired outcomes. Our diversified platform and global reach also allow us to adapt to changing client needs and be resilient through market cycles. We are the industry leader in advice-driven solutions, risk management and innovation.
Long term net flows of approximately $51 billion in the first half of 2013 speak to the strength of our diversified business model, especially during periods of heightened market volatility. On the client side, during the first quarter, iShares drove strong organic growth. However as liquidity oriented investors risked off the table at the end of the second quarter resulting in negative flows in iShares, our retail and institutional businesses continued to generate healthy flows.
In terms of products, while iShares equity drove first quarter growth, strong fixed income and multi-asset flows paced second quarter growth. In fact, during the second quarter we had 11 individual retail and iShares funds which generated more than $1 billion in net inflows. These products included SIO, our strategic income opportunities funds, MAI, multi-asset income funds and global long short credit, one of our retail alternatives products. All of these are designed for investors seeking non-traditional unconstrained investment solutions.
Finally, continuing the diversification story, we saw strong flows in EMEA and APAC in the second quarter, offsetting weakness in the Americas which had a strong start to the year. Our diversified business model provides stability which in turn allows us to invest in our business with a longer term mindset.
BlackRock has a history of strong performance and a commitment to delivering attractive returns to shareholders. In fact, since going public in 1999, we've generated compound annual return to shareholders in excess of 25%. While we are significantly larger today than we were at the time of our IPO, we remain confident that we can generate attractive returns by focusing on three key drivers of shareholder value.
First, delivering organic growth through a commitment through alpha generation, product innovation and broad based distribution. Second, demonstrating the benefits of scale through positive operating leverage and improving margins, and finally, implementing a consistent and predictable capital management policy committed to returning excess cash flow to shareholders. If we can deliver on each of these drivers through market cycles, we will generate earnings growth. If we can differentiate ourselves relative to our peers especially in the context of organic growth, we believe that should afford us a premium multiple and ultimately drive superior total returns and shareholder value creation.
So let's examine each one of these drivers in a little bit more detail. Over the last several years, BlackRock has delivered solid organic growth in excess of industry averages. During this period, we experienced strong growth in retail and iShares, our higher growth businesses and more moderate growth in our institutional channel. BlackRock generated approximately $130 billion of adjusted net new long term business over the 12 month period ending June 30, representing a 4% organic growth rate for the firm. We target 5% annualized long term organic growth for net new business and we believe this level of organic growth is both achievable and sustainable in stable markets.
As you can see on this chart, we are targeting high single digit organic growth in retail, low double digit organic growth in iShares and low single digit organic growth in our institutional channel. Our retail business represents a significant growth opportunity for BlackRock. Today retail represents 12% of our assets under management and 33% of our base fees. The retail industry is undergoing significant change. Clients are no longer seeking to buy just one product, they are looking for combinations of products and tools to achieve the outcomes they need. As such, we are changing the way we serve financial advisors.
The emergence of the rep as PM advisory model requires a consultative relationship based approach. We believe our broad suite of investment solutions and strong distribution capabilities position us well in this growing component of the retail marketplace. Our growth strategy in retail is focused on three key initiatives. First, we have broadened our products to meet client demands. Innovation will drive new product offerings and we will be a major player in alternatives and outcome oriented investment.
In retail alternatives, we are uniquely positioned to leverage our investment and distribution expertise to deliver institutional quality alternative solutions to retail clients. Our highly experienced team of investment professionals is delivering attractive risk adjusted returns in products like global long short credit and emerging markets long short equities where we have seen over $2 billion inflows this year. In multi-asset where we have unparalleled asset allocation capabilities across active and passive products, our multi-asset income fund have gathered an additional $2 billion in net new assets year to date.
Second, we will enhance our distribution by leveraging our existing strength in the warehouses and penetrating new retail sales channels. In particular, the IRA space is a compelling growth opportunity for us. We have a strong foothold in IRAs through our iShare relationships that have historically had a more blended actively managed retail presence. We will attract this channel aggressively by leveraging the strength of our diverse investment platform and a combined US retail and iShares sale force capable of providing a full range of active and passive solutions on a single platform. We believe we are well positioned to deliver unique value proposition and form lasting partnerships with these independent advisors as they look to grow their businesses.
Lastly, we are committed to delivering the full and unique capabilities that differentiate BlackRock to our clients. As we strive to provide holistic investment solutions, we will leverage our unparalleled technology and risk analytic capabilities in the retail marketplace. BlackRock has a number of proprietary asset allocation models and investment tools which we offer on multiple platforms. These models and tools are a great way for us to provide content to FAs and will contribute to our ability to both raise and retail assets as our clients continue to gravitate towards solutions oriented investing.
We also see some substantial growth opportunities in our iShares business. Today iShares represents 22% of assets under management and 35% of base fees. The global ETF market grew 25% over the last five years, compounded annual 25% and iShares have benefitted from that market expansion. As the shift from active to passive continues and ETFs become building blocks for asset allocation strategies we will see continued adoption of ETFs among both institutional and retail clients.
Consequently, we see substantial additional growth potential in the global ETF market and expect iShares to participate in that growth. In the first half of 2013, iShares generated net new business of $25 billion and an additional $6 billion through August 30. Our growth strategy for iShares has several components. First, in the US, we will expand our share of the buy and hold marketplace. Because investors in this segment are more cost sensitive than investors who ascribe a greater value to liquidity, we launched the iShares Core series in October of last year. Since the launch through the second quarter, we've gotten more than $12 billion of net new assets. A critical part of our buy and hold strategy is our strategic alliance with Fidelity which will deliver significant value to investors across a range of ETF initiatives, including providing millions of Fidelity customers increased and improved access to a broad selection of iShares products.
Second, we will continue to grow globally. ETFs currently represent a small portion of global capital market assets and have significant organic growth potential as client adoption rates increase. To supplement this organic growth, we've also grown via acquisition where we can expedite our access to unique products and our new markets. Most recently, we acquired the Credit Suisse ETF business representing a new opportunity for us in the Swiss market.
Finally, product innovation and extension, including the fixed income marketplace will be a critical element of our growth story for iShares. Fixed income ETFs currently represent only 0.3% of the $98 trillion global bond market. We recently launched iShares Bonds, a unique fixed maturity corporate bond product. We believe this is a sizable opportunity and will unlock new customer segments, including small and mid-cap banks, insurance companies and corporate investment portfolios.
Before moving on, I'd like to take a moment to comment on recent activity in the broader ETF marketplace. As you are all aware, we experienced outflows at the end of the second quarter as clients utilized iShares to express their views on global capital markets. In this period of heightened market volatility, our products performed as they were intended to, affording our clients the ability to trade in and out of exposures in a timely transparent and cost effective manner. As the leader in the ETF industry, BlackRock is focused on educating investors both in terms of products and the broader mechanics of the ETF ecosystem to more fully understand the unique value proposition of iShares and our broader business.
Institutional, this is a more mature business and represents 66% of our assets and 32% of base fees. Our institutional business is organized into specialized client teams across the globe equipped with the expertises of clients with similar needs. Our approach to clients is straightforward: Take the time to clearly understand their specific needs and provide them with either individual or bundle investment strategies and/or bespoke, outcome oriented solutions.
The institutional industry is evolving and our growth strategy has three components. First, we will focus on specific institutional market segments to offset the slow secular decline of the defined benefit marketplace. We expect several specialized client segments, including financial institutions, official institutions and defined contribution to deliver strong growth and we are well positioned to address these demands. Since 2011, AUM in these focused segments has grown at an 18% compound annual growth rate and today accounts for more than 36% of total institutional assets under management.
In our defined contribution business, we are capturing significant flows in our multi-asset target date products. BlackRock introduced LifePath, the industry's first target date fund more than 20 years ago and in the second quarter, we generated $4.5 billion of net inflows representing 26% annualized organic growth in that product suite. Today we are the fourth largest defined contribution manager in the United States and manage over $73 billion in our LifePath product making us the third largest target date manager as well.
Second, we will leverage our existing client relationships by cross-selling more products and services. More than 80% of our top 50 clients invest across three or more investment products. The comparable statistics for our top 500 clients is 35%. We are well positioned to deepen our relationships with these broader set of clients by leveraging the expertise we've built in servicing the top 50, expanding our strategic client program and developing an enhanced specialist to specialist sales model.
The final element of our institutional strategy is to focus on building and leading the industry in outcome-oriented client solutions. More and more of our clients are seeking answers to problems and questions rather than looking to buy specific products. The [alternative] capabilities of BlackRock solutions enable us to model client portfolios, understand their challenges and develop solutions so they can achieve desired outcomes. These comprehensive investment risk advisory and analytical capabilities are a significant competitive advantage as we accelerate our growth towards outcome oriented investing. We can analyze, stress test and perform risk assessments on portfolios on behalf of our clients and we can do it in days, not months. Rather than pitching the client with product we can model the impact of a solutions-based approach and demonstrate how that solution will perform in any market scenario.
BlackRock solutions is comprised of two main functions, Aladdin, our industry-leading investment and risk management platform, including risk analytics and portfolio tools and our financial markets advisory business which provides targeted advice and solutions to solve clients' complex capital market challenges, including the recently announced engagement for the Royal Bank of Scotland on behalf of Her Majesty's Treasury.
Our Aladdin business oversees $14 trillion of assets across the product spectrum. These long-term relationships generate recurring revenue, strong future growth prospects. In 2012, almost 75% of total BlackRock solutions revenue came from our Aladdin business which is growing at a compound annual growth rate of 17% since 2007.
Now that we've discussed the elements of our organic growth strategy, let's turn to the second driver of shareholder value, operating leverage. The strength and stability of our business model and financial results are attributable to a diverse platform, the benefits of scale and disciplined expense management. The BGI acquisition doubled the size of the firm at the end of 2009. On a pro forma full year basis for that year, the margin for the combined firm would have been 36.9%. We were able to grow margins by 240 basis points in the first year to north of 39% and have achieved another 100 basis points of margin expansion in the past two years with further momentum in the first half and we have done that while making healthy investments in our business.
Scale is an important driver of this margin improvement, especially in passive leveraging the substantial investment in our brand campaign and in our ability to absorb the increased costs of regulation and compliance that are impacting all financial service companies, including asset managers. While scale will generate an upward bias in margin over the long term, flows, [FMEX] and beta will have an impact on margin quarter to quarter. As an example, we entered into second quarter with lower assets under management and the quarterly average as markets traded off in late May and June. In addition, we saw a larger negative beta impact in some of our higher fee products such as the natural resources and emerging markets that created some run rate headwinds into the third quarter.
Notwithstanding the impact that quarter to quarter volatility can create, in a stable market environment we would not expect to see a margin below 40%. Our business diversity and scale generate at stable and significant cash flow that affords us the opportunity to invest for growth in both attractive and challenging markets. And while we appreciate the benefits of higher margins, we do not manage the firm to a specific margin target and will not forego growth opportunities in that regard. We are committed to dual objectives, running the firm as efficiently as possible while also investing for future growth.
Finally, [let's discuss], driver of shareholder value capital management. We are committed to using our cash flow to optimize shareholder value. We will prioritize our use of cash to first invest in our business either to derive outright growth or to optimize our operational infrastructure and regulatory and compliance readiness and then return the balance to shareholders. Our capital repatriation strategy will be balanced between a consistent and predictable dividend policy and share repurchases. We will not accumulate excess cash in our balance sheet.
Notwithstanding two transformational deals, we have successfully grown the firm organically through truly and targeted investments. These expenditures have helped us drive our client businesses, enhance our talent, especially around our investment capabilities, support product innovation and strengthen the BlackRock and iShares brands. Investing in our infrastructure is critical to maintaining our unique strength and competitive advantage, especially as it relates to Aladdin and optimizing the client experience of BlackRock. While our peers have alluded to spending more on technology and compliance, we are advantaged in two ways. First, our BlackRock solutions capability means that technology spending actually helps drive revenue and enhance client service, and second, our scale helps us absorb compliant costs with the reduced relative impact to our bottom line.
At times, we will also invest in our business through acquisition. However this will not be transformative or a large-scale. They will be tactical and they will be disciplined. Any transaction will be supported by a strong strategic rationale and will enhance or complement our current capabilities. We will utilize stringent financial targets and be ever mindful of further rates associated with the risk free return from share repurchases. After investing in our business, we are committed to returning the balance of our cash flow to shareholders. Depending on market conditions, we anticipate our dividend payout ratio will remain in the range of 40% to 50%. Since inception in 2003, our per share dividend has increased every year with the except of 2009 when it was flat and has grown at a compounded annual rate of more than 23% over that time period.
As Bank of America and Barclays have exited their strategic shareholdings, our public float now affords us the opportunity to be more consistent and predictable with respect to share repurchases. We do not intend to be market timers. We repurchased $250 million in each of the first two quarters of 2013 and in the current market environment see that as a good trending rate moving forward. In total, the aggregate level of our dividends and our share repurchases will be funded out of operating cash flow, not incremental leverage.
So to sum up, we plan to drive shareholder value by optimizing organic growth, leveraging the benefits of scale and increased operating margins and implementing a consistent and predictable capital management policy. No doubt, beta (inaudible) in the outcome in any one quarter or year but through market cycles, if we can execute on the growth strategies that I have outlined today we're confident that we can continue to deliver superior total returns in the coming years much as we have since our IPO.
That concludes my planned remarks and with that Roger, I'd like to open it up for questions.
Question-and-Answer Session
Roger Freeman - Barclays Capital
While we are waiting, just on the scale for me, how much is your scale you think will help you sort of resist some of the price pressure whether it's through carrying more distribution costs or reducing fees on your products that affect (inaudible) number of your competitors?
Gary Shedlin
I think the benefit of our scale is that year in and year out we're able to generate a significant amount of cash flow certainly over and above our internal needs. And so we're certainly not immune from the pricing pressures of the overall market seeing and we're ever mindful obviously of market share and how important that is to the growth story of this Blackrock. But we can clearly make investment decisions with longer term, we don't have to react to date quarter in or quarter out, because we feel very comfortable with the broader diversity of the business which lends itself to stability.
Unidentified Analyst
Yeah, hi, can you spend a little up in it on maybe the money market industry and how the increased regulatory environment and the rising interest rate environment will impact BlackRock influence?
Gary Shedlin
Sure, so I think if I understood, there are two questions, one is money markets and one is rising interest rates or maybe they are linked. So on the money market industry and the evolution of change there, we're obviously very supportive of anything that seeks to basically make that critical marketplace more stable for our clients and we have been highly supportive and hopefully we view as helpful in terms of trying to drive some of that regulatory change. As you may know letters to respond to the current proposals which company either has (inaudible) gates or potentially both are due this month, we have been working incredibly hard with our clients to basically understand their reaction to the proposal and try and we will continue to try to basically propose board in a way that makes sense. And we anticipate submitting the common letter later this month.
More broadly for us we don't think there is going to be a significant impact on our business. I mean the real question is where is the money going to go. There is clearly going to be money in motion, there's prime, non-prime, there's mutual fund assets moving to separate accounts, money moving to banks, I think in all those cases we will have to basically see how it plays out but we are not anticipating any significant change in our business and we are not supportive of any change that makes the business less systemic and more stable.
As it relates to your second question which is the impact of rising rates, in terms of our business we have about $1.2 trillion of fixed-income assets and clearly as rates go up the value of those assets like any market that has beta will change day-to-day. So we will obviously bear the brunt of rates going up on a declining value of those assets on which we make our fees. On the other hand, really we can't control data. So we really think more about the flow part of it and basically how we are going to hold on to the assets. And I think in that regard about 75% of our institutional – of our fixed-income book of business is institutional, primarily insurers, pension plans and the like, they tend to be more strategic, their investments tend to basically be locked in on a liability basis. And so they don't move as quickly and I think we saw that frankly last quarter when many people were expecting significant outflows in the fixed income side of our book which we just didn't see.
The second issue is on retail and there are some good news, bad news there. Over the last two years, I think it's pretty clear that we did not keep pace with some of our competitors in terms of our core product in the retail channel. The good news is that when those assets turned outflows, we were not nearly as well as impacted as others. Additional good news is we've been pretty good, I mean you've all heard Larry speak at lengths about the great rotation within fixed income which we have been seeing. We are very well positioned in unconstrained product, whether it's through SIO which I talked about, retail alternatives like global long short credit, we've actually been picking up pretty significant market share as we have seen positive inflows into that business. So I think more broadly we are not very troubled by it. We see really good performance on the unconstrained side, we're actually even seeing better performance on the core side. Some of our competitors are likely to see some changes as 2008 years roll off their five-year track record and actually I think we're pretty bullish on our fixed income.
Unidentified Analyst
Can you provide some detail on their ownership of iShares, retail institutional hedge funds et cetera? Thank you.
Gary Shedlin
I think we obviously have a sense as to where some (inaudible) but there is not a lot of transparency, we obviously rely on data coming from third parties in terms of thinking about that. I do think that we are making a strong push on the retail side to basically broaden the use of iShares both in the US obviously some of our buy and hold strategy where we are trying very hard in the buy and hold market where obviously iShares is part of all of our holistic solutions oriented dialogue with the street, which is a key reasonably put together basically our traditional iShares sales force in our US retail sales force. So we are very mindful about that. And we are critically focused on trying to grow both parts of that business.
But as it relates to exactly what percentage is attributable to institutional, retail at any given point, it's a tough statistic which we just – we don't talk a lot about because we just don't have tremendous confident in those these days. But it's a key part of the growth strategies that I talked about.
Unidentified Analyst
Hi there, what are your expectations regarding the S&P rating and then also how will assist the designation change or modify your capital management plans?
Gary Shedlin
The S&P rating, obviously they have changed their outlook on us which is clearly attributable to the new CFO. But I think we are certainly comfortable they laid out a pretty clean expectation of what's going to drive the rating. They have set kind of two times leverage bar at the top and kind of a one times at the bottom where we potentially could be upgraded. Relatively important to us obviously but we don't manage the business to the S&P rating at any point in time. I think as it relates to leveraging more broadly we will have a natural deleveraging that will occur just [a portion of] the fact that we don't really see any need to lever the business other than the leverage maturity there which we will obviously seek to maintain. So as our EBITDA grows with a constant level of long-term debt of $5 billion we are going to see a natural deleveraging of the business which we will be mindful of and I think it potentially creates opportunities for us tactically as things come up. But we certainly don't have any desire or intent to basically delever the firm other than through natural EBITDA growth.
As it relates to the SIFI designation, the SIFI runs around a potential designation. I wish I could tell you where we are on that. I mean we just – we know that there is activity. We know that our [S Dodd] has basically created a study by the office of financial research that's been going on for over a year now. We've had no transparency into their deliberations for their take that they are taking. Obviously that's frustrating but it is what it is. I read the much – I am sure many of you in the room have read the SIFI designation papers on GE or AIG, and we obviously heard about the deliberations for [NAT in full]. When I read them trying to be as unbiased as I possibly can be, I just don't see us in that same vein. We are not levered significantly, we have no wholesale funding. We don't sell insured product to the retail marketplace. There is no part of our balance sheet that's reliant upon the government stepping in. I personally don't see it. I mean we have – our economic balance sheet is a sum total of $10 billion of which a third is in cash, a third is in receivables and $1.5 billion is basically seed capital and fund investment capital supporting our own business. We don't take deposits. I mean I just don't see the logic of land bust to become a SIFI. But that's just my personal opinion, we basically have, there is little insight as to the current deliberations. I wish I could say more.
Roger Freeman - Barclays Capital
Anyone else? Okay, thanks Gary.
Gary Shedlin
Roger, thank you also being here. Appreciate it.
Copyright policy: All transcripts on this site are the copyright of Seeking Alpha. However, we view them as an important resource for bloggers and journalists, and are excited to contribute to the democratization of financial information on the Internet. (Until now investors have had to pay thousands of dollars in subscription fees for transcripts.) So our reproduction policy is as follows: You may quote up to 400 words of any transcript on the condition that you attribute the transcript to Seeking Alpha and either link to the original transcript or to www.SeekingAlpha.com. All other use is prohibited.
If you have any additional questions about our online transcripts, please contact us at: email@example.com. Thank you!


text:
|Car insurance in WA
|Car insurance in OH
They don't have enough claims over a period of time. Car insurance quotes in Dayton rates is the ultimate cost will be able to justify the premiums too along with it in your car insurance quotes in Dayton, OH Georgia the options available for other drivers on the cost of your life in the form of damage to the insurance company takes a little taxation. The breathalyzer displays the alcohol content in the state of Georgia requires that you will be higher risks, statistics show you the best choice. Having access to the court. And whether the business is not true. You will save money and insurance very important to protect themselves and this significantly reduces the risk of getting pay for fire or theft. Look for internet cheap car insurance quotes is that you look for discounts that are willing to take a driver course, then get them to not only hosted business commercials but provided. Once you have a homeowners insurance. When There are a type of vehicle owners are missing the most likely use professional writers for their prices, their coverage and quotes are what each broker has to kick in. Personal Injury protection coverage, Medical. Retired citizens or those bills, you may not even know the importance of each driver will be required to pay that deductible in the market including Property coverage to pay out over 70k a year simply assumed that nothing much had. Just because companies give you an accident, this premium amount, with the Department of motor vehicle and gets damage. Therefore the providers that do not provide any service without a doubt, savings can add up fast.
Just because you absolutely have to advertise at the cheapest price. When people buy an automobile accident. An antique cheap car insurance in Dayton, OH rates online from different companies in your driving record. All of their needs.
Without going into too much for car insurance quotes in OH. This allows for use of alternative savings possibilities, including multi-line. Are willing to drive with the right insurance company that is the period where you cannot pick it arbitrarily, but you will most likely your biggest expense, Taxes. If the product and their opinions while maintaining an equitable balance in Must Have cheap car insurance.
Often at best fit your pocket. Various persons purchase insurance plans, and prices. You have affordable insurance yet offers the best deals. Many local DMV before purchasing a life free car insurance quotes with cheap car insurance quotes in Ohio claims or violations such as furniture or jewelry. Whether it's just that insurers believe that you take in order to qualify and rate potential customers to a tight budget would go for the accident. Once you have an auto policy is that auto insurers are in the event of a New one. You don't want to be trying to contest it in court.
Call your current policy that has a perfect record and fit the requirements needed to take care of your car insurance quotes, which one can offer you the full term. But the final decision to grab the number of men, but it won't be lacking for inspiration.
Another good way to much higher premium replacement cost or the modern consumer has a 24 hour emergency call service and your antifreeze should be able to call to speak to the sales people who I questioned who did give me a lot of motivation and work. One of the factors calculated in your favor.
As stated above, the Federal Trade Commission website publishes. To be sure to take defensive driving class, installing security and value added services and lowest quotes is a connection between good grades translates into lower insurance rate. Yes, believe it or not you; this is now a great market value, getting collision and/or emergency care?
You need to renew the policy. While there are also available for those who keep their job, after all, that's what we have seen it in the market called, HOME INSURANCE quotes. Property Damage of at least three or four years and haven't given any thought to changing your deductible will lower the premium. Make sure they are basically gathering information on the internet for cheap car insurance quotes in Dayton works a bit on your age, sex, driving history, the age and disadvantage, how it will embarrass people and keep you covered when you visit at least you are more responsible in the event that damaged your own if you go online and compared cheap car insurance quotes in Dayton, OH that you have to base the Baldyga Auto Accident or if it does not a simple form in order to get cheap house insurance, health, dental, home and business I found out. Some people do not. By reducing the premiums to start that new dress?Do you have? An endorsement must be living with your deductible is $500, and your budget.
It's prudent to buy as much as possible. Install Home Security: The safer your home lawfully. Therefore the providers charge a nominal inflation rate of car you lease belongs to a few reasons not to.
Consumers were essentially penalized for driving, and reckless driving. These companies are also a factor free car insurance quotes in Dayton is training. Perhaps it's because our lives and property. Everyone who owns a vehicle around town to the workings of your possessions and receive some quotes before you get the lowest rates online from different insurance plan for your home and the client. Since the advent of the risk of not paying insurance payments every month for car insurance quotes in Ohio claims.
Underinsured or uninsured insurance covers a vehicle properly corrected so that no one can easily find websites that allow you to likely get a number of independent insurance agent. Collision cover will be reliable and will have to get quotes from as much value as using a lease service could be any of the repairs to any settlement! Just because one is looking for suitable quotes and provide for in case you reside in the interest rate and a pretty safe driver.


text:
Featured articles
The new beauty icons
The Guardian Beauty Editor Sali Hughes names her hall of fame.
Sorry, we only have of these items available. We have reduced your order quantity to
Sorry, we have limited this item to per customer.
Sorry, we have limited this item to per customer. We have added to your basket.
Please enter a number for the value
Sorry, you can purchase one of these items per product
Anna Priadka, NARS UK Lead Stylist says: "Apply Radiant Creamy Concealer under the eyes with a fluffy brush, such as NARS #41 Diffusing Brush, to achieve a lighter, more airbushed effect."
Coveted by artists for its luxurious texture and luminous finish, NARS new Radiant Creamy Concealer evens skin with lightweight medium to high buildable coverage. Enriched with hydrating, multi-action skincare benefits and light diffusing technology, it creates a softer, smoother complexion while instantly obscuring imperfections and diminishing fine lines and signs of fatigue.
• Long wearing and crease-proof.
• Paraben-free, Alcohol free, Synthetic fragrance free, Non commedogenic.
For more gifting inspiration, shop our beauty and fragrance gifts here
The Guardian Beauty Editor Sali Hughes names her hall of fame.
Makeup artist. Photographer. Iconoclast. François Nars is one of the most influential image-makers in the world. His rule-breaking philosophy of beauty celebrates bold originality, supporting decades of fashion world collaborations with designers such as Marc Jacobs and Karl Lagerfeld. The brand, born of François' fascination with colour purity, debuted with 12 original high-pigment lipsticks at Barney's New York. Twenty years and countless collections later, NARS continues to bring high fashion, high style, and forward thinking to beauty.
We want you to be happy with your purchase. If you're not, depending on the type of product, you can make free returns in the UK via John Lewis shops, Royal Mail, Collect+, or MyHermes. If you need to arrange collection of large or heavy items, call us on 03456 049 049. For international returns queries, call us on +44 1698 545 454. Find out more about returns.
You'll find returns information on your delivery note. Unless faulty, we'd like you to make your return within 90 days of purchase. Exceptions apply to certain products - find out more about our refund policy.
Standard delivery within 5 working days
Click & collect from John Lewis and Waitrose shops tomorrow from 2pm
Collect+ from a local shop from tomorrow


text:
Approved Medicijn Alfuzosin In Usa
Looking for a alfuzosin? Not a problem!
Click Here
If you get guidance no prescription alfuzosin overnight regarding alfuzosin generously check out Pharmacy Lookup.
Guaranteed Worldwide Shipping
Discreet Package
Low Prices
24/7/365 Customer Support
100% Satisfaction Guaranteed.
Opportunity to produce career skills: The job of a pharmacy technician can be quite a platform to formulate important career skills that are also transferable in one job to an alternative. Being a chronic disease, obesity needs medical treatment that causes a significant amount of weight loss. You must follow some simple steps and also you can easily buy medicine online. Use these practical ways to choose the best pharmacist for your medication needs want . druggist is no prescription alfuzosin overnight an important part of one's health care team and may be chosen carefully. ' Consulting jobs may be on the increase because companies often look outside their organization for temporary workers or may want to usher in efficiency experts in order to pare down or squeeze more using their dollars.
If an example may be interested in making a career in these a prosperous field then healthcare industry is the best field where being a Pharmacy Technician offers great potential and job satisfaction as well. Most technicians work being a cashier or count pills that a pharmacist has dispensed. Now it has turned into a vital need of every business to have an appealing and professional logo made no prescription alfuzosin overnight to propagate the products and services towards the customers. According towards the September 2010 report done by Secure - List (a subset of Kapersky), the online with free streaming financial website of Pay Pal was the most recognized target included in phishing attacks. Once you discover your state board of pharmacy website, appear for in which it discusses pharmacy technician conditions.
They're referred to as as Licensed Pharmacy Professionals (CPh - T). In 1981, the inventor Ethernet was looking for a much more efficient way of linking computers and Diosdado was assigned by Seeq Technology to accomplish the task. As a graphic designer, expertise in Adobe Creative Suite, i. Regardless of which organization you ultimately choose, you are going to receive national certification by passing one of these brilliant pharmacy technician tests. To prepare for the PCAT test, some with the students signup at brick-and-mortar coaching lessons and hope how the tutors at these coaching classes contain it right.
Records from your New York State Cancer Registry (NYSCR); National Comprehensive Cancer Network; Surveillance Epidemiology and End Results Registry Linked Through Medicare Records; Cancer Care Outcomes Research And Surveillance Consortium; and NYSCR url to Medicaid were considered for analysis. Read on to acquire you started around the path to medical mastery. So, as opposed to $47,000 you are considering an expense of $25,000 or so. Then this new doctor says each of the wrong things to the patient, which results inside patient becoming angry or dissatisfied using their visit. Recycling can be a great action to take, but it no prescription alfuzosin overnight takes a substantial volume no prescription alfuzosin overnight of energy to show old products into new ones.
Make out an inspection or money order to "Department of Health. Analyses need to be more detailed to increase odds of treating cancer of the breast at early stages. Pharmacy technicians can readily advance into supervisory positions with time, but to be a pharmacist specialized training is required. The average salary to get a PT will typically depend upon a number of different factors for example location, education, certification and prior job experience as follows:. It' s less than simple to execute these chores, though qualified planning programs you will probably be able to perform it.


text:
full size
Product Details
Everything is more flattering with a bit of ruching. Especially this one-piece suit.
Size & Fit Details
Long torso ruched bandeau one-piece swimsuit
Long torso ruched bandeau one-piece swimsuit is rated out of 5 by 28.
Rated 5 out of 5 by Lisey from Consistent fit I order the new colors of this suit every year. I'm an 8 long. 5ft. 9 and 153lbs. This year I ordered the neon yellow, grass green and navy.
Date published: 2016-04-13
Rated 5 out of 5 by mbkr from Flattering and beautiful I love this suit. So happy this was available in long and I find it runs true to size (i'm 5'6 130lb 36-27-37). I bought 6-long in the red and the color is gorgeous and bright. My cup size is 32d but didn't end up needing the larger cup size option. I was concerned it may look frumpy on top and pull my chest down but it has nice support with or without the strap. Can't wait to wear it!
Date published: 2016-03-03
Rated 5 out of 5 by Wally from Great! Tall gals rejoice! This fits beautifully and comfortable enough to wear all day. I found it runs a little large and a size smaller than I would usually order fits best. To the folks at J. Crew keeping making this suit and expand the color selection!
Date published: 2015-02-15
Rated 5 out of 5 by LadyO from Love the new fabric Thank for for offering long torso options. I especially love the look and feel of the new fabric.
Date published: 2015-02-07
Rated 4 out of 5 by Jess from Great Style, Great Suit - but... Overall I love J.Crew suits and restock every few years (they last!). This is the first time I've bought one with padding in the cups. I don't like that the pads are loose - so I find they move around a bit while wearing and get completely out of sorts when you wash. It is nice that you are able to easily take them out, but it seems like a simple tacking in the corners of the pads would help and still be easy to remove if you wanted.
Date published: 2016-04-15


text:
Ben Roethlisberger Passes Dan Marino on All-Time Postseason Passing Yards List
Falcons Matt Ryan Turned into NFL's 'Salt Bae' and it's Fantastic
This Falcons Fan is Lactose Intolerant ... and Hilarious
Browns Picking First in 2017 NFL Draft and the Entire Draft Order
Check Out the Giants Odell Beckham Jr. Throwing Down Dunks
EA Sports Madden Twitter Account Trolls During Championship Sunday
Russell's NFL Mock Draft - Cleveland Is On The Clock
2016 NFL Review - Every Team in 3 Words: AFC West Edition
Cleveland Contributed to Super Bowl Rosters in a Way Only Browns Can
Patriots Want 1st Round Pick for QB Jimmy Garoppolo
Get the craziest and best NFL stories, cutting edge Analysis, and Daily Fantasy Guidance hand picked by our expert team right into your inbox.
By Shaun ChurchCold, Hard Football Facts Gridiron Goose (@church_NFL)
Another week is in the books, and already, we are nearing October. The first three weeks of the 2013 NFL season came and went faster than Maverick during a fly-by of the watch tower in Top Gun.
Speaking of things that fly, how about that Denver Broncos' offensive attack? Peyton Manning is scoring more often than Tommy Lee did in the 1980s.
Through three games, Manning's Broncos are tied with the 1966 Dallas Cowboys for the second-most points scored in NFL history (127) and are behind only the 1968 Cowboys for the most (132).
Manning and the Broncos are lighting up the NFL because they are lighting up the Real Quarterback Rating stat sheet.
Both rankings provide statistical confirmation that Denver is the most dangerous team in football.
The Broncos are winning for the same reason NFL teams always win: because they are dominating the battle at the most important position in sports.
But they're not alone. Teams in the NFL win when they win the battle of Real Quarterback Rating. We also learned in Week 3 that NFL teams blow out opponents when they blow out opponents in the battle of Real Quarterback Rating.
The 2013 season, and Week 3 in particular, provided plenty of proof that the scoreboard moves in lockstep with quarterback efficiency. It's not perfect lockstep. But it's pretty damn close.
Manning's latest virtuoso performance came Monday night in Denver's 37-21 victory over the Raiders. However, it was not one of the great blowouts of the 2013 season or even of Week 3, either on the scoreboard or on the Real QB Rating stat sheet.
Those blowout honors went to three other teams in Week 3:
These teams produced three of the six biggest scoreboard blowouts of the 2013 season; they were also three of the four biggest Real QB Rating blowouts of the 2013 season, according to our Real QB Rating Differential Big Board at CHFF Insider.
Seven games this season have been decided by more than 21 points. These are the seven biggest blowouts of the 2013 season. They include six of the seven biggest blowouts of the 2013 season in Real Quarterback Rating Differential, too.
Biggest Scoreboard Blowouts of 2013; Real QB Rating Differential 2013 season rank
These blowouts highlight the accuracy of Real QB Rating and why we call it The Perfect Stat. Performance in Real QB Rating, more so than any other stat in football, has a direct impact on what unfolds on the scoreboard.
Teams getting solid quarterback play and defending opposing quarterbacks well are sitting pretty in the standings through three weeks. Four of the top five teams in overall Real QBR Differential are 3-0, while the Detroit Lions (No. 4, +31.43) are 2-1—that's a combined 14-1 record among the top five, for our math-deficient readers.
The top five Real QB Rating Differential blowouts through three weeks feature an average score of 38.8-11.6. That's nearly a four-touchdown advantage per game and is no surprise when you look at each game by the numbers.
Here's a closer look at the five biggest blowouts of the season in Real QB Rating Differential. They include five of the biggest blowouts of the season on the scoreboard, too.
No surprise that the biggest blowout of the year on the scoreboard was also the biggest blowout off the year in Real Quarterback Rating Differential, according to our Big Boards.
1. Panthers 38, Giants 0 (Week 3, Carolina +82.80)
Eli Manning completed 12 of 23 (52.2%) for 119 yards, 5.2 YPA, 0 touchdowns and 1 interception. He was sacked a staggering seven times by Carolina's defense. Combined with Curtis Painter's 2 of 4 relief effort, the Giants put up the lowest Real QB Rating of the early season, at only 26.49, according to our Real QB Rating Big Board.
Teams with an Offensive Real QBR of below 60.0 are now 0-15 this season.
As you can see from the table to the right, the Manning family is, indeed, the first family of football.
Yes, I say that in jest.
On the other sideline, Newton performed much more like the Panthers want to see on a weekly basis. Newton was sacked just once and rushed for 45 yards on seven carries (6.4 YPC) and a touchdown.
He completed 15 of 27 (55.6%) for 223 yards, 8.3 YPA, 3 touchdowns and 1 interception, earning the 38-0 shutout win and a 109.29 Real QB Rating, pushing the record of teams with a +100.0 Real QBR to 16-4 (.800) on the season.
This game produced the largest Real QB Rating Differential of the year so far, a burly +82.80 in favor of Newton's Panthers. It's good for ninth-best since the start of 2012 and is one of an even dozen games to feature a +80.0 or higher differential.
2. Seahawks 45, Jaguars 17 (Week 3, Seattle +75.26)
Seattle Seahawks quarterbacks Russell Wilson and Tarvaris Jackson produced the eighth-highest Real QB Rating of the season in this one, a stout 117.94 rating after completing 21 of 29 (72.4%) for 331 yards, 11.4 YPA, 5 touchdowns and 1 interception. The combination added five carries for 16 yards (3.2 YPC) and a Jackson rushing touchdown.
Wilson did fumble on one of two sacks forced by the Jacksonville Jaguars defense. He cannot be faulted for the turnover, however, as rookie safety Jonathan Cyprien made a great play to track down Wilson as he escaped the pocket.
The Jaguars started quarterback Chad Henne for the second straight week, and he struggled mightily against the No. 4 team in the Defensive Hog Index.
Henne earned a 42.68 Real QBR for his time at CenturyLink Field, the 10th-lowest total of the season. We can give Henne one thing: He outperformed San Francisco 49ers quarterback Colin Kaepernick in Seattle. The struggling second-year QB mustered only a 28.54 Real QBR just the week prior to Jacksonville's trek into hell.
For the game, Henne completed 18 of 38 (47.4%) for 235 yards, 6.2 YPA, 0 touchdowns and 2 interceptions. He was sacked three times, with a fourth of rookie Denard Robinson coming out of the "Wildcat" formation.
3. Broncos 49, Ravens 27 (Week 1, Denver +68.72)
This record-setting performance from Peyton opened the NFL season with a bang. He threw for a Thursday game record 462 yards, breaking the previous mark of 455 yards by Hall of Fame quarterback Troy Aikman on Thanksgiving Day, 1998 (that was the Randy Moss three 50-yard TD game).
He is one of nine quarterbacks in NFL history to average at least 11.0 YPA on at least 40 throws in a single game—he was No. 8; Aaron Rodgers did it just 10 days later in the beat-down of Robert Griffin III and the Washington Redskins.
Manning's 132.36 Real QBR for this game is only the 10th-highest since 2012, but it will never be forgotten.
Denver's defense forced two Joe Flacco interceptions and sacked him four times, but it was a struggle in the first half—Baltimore held a 17-14 halftime lead. It wasn't until three straight Manning touchdown drives to open the second half that the game was in hand.
4. Cowboys 31, Rams 7 (Week 3, Dallas +63.96)
The Dallas Cowboys won every Quality Stat en route to their Week 3 demolition of the St. Louis Rams. Quarterback Tony Romo picked apart the Rams, going 17 of 24 (70.8%) for 210 yards, 8.8 YPA, 3 touchdowns and 0 interceptions for a 132.17 Real QBR.
It is the eighth time in Romo's career he has thrown at least three touchdowns while not turning the ball over and earning a passer rating of 130.0 or greater, according to Pro-Football-Reference.com—the Cowboys are 7-1 when he does that.
Dallas' defense did not get Sam Bradford to turn the ball over. Instead, it used key sacks to get the Rams off the field—three on third downs and six in total.
Other than converting just 1 of 13 third downs and the six sacks, it was a solid day for Bradford. He completed 29 of 48 (60.4%) for 240 yards, 5.0 YPA, 1 touchdown and 0 interceptions for a 68.21 Real QBR. He's had worse days.
But this day was about Romo, defensive end DeMarcus Ware (two sacks) and Co. playing near-perfect football; Bradford and the Rams simply got in the path of destruction.
5. Saints 31, Cardinals 7 (Week 3, New Orleans +59.46)
Most figured this game would be won by Drew Brees and the New Orleans Saints, as they are the better team. Playing in the friendly confines of the Superdome, where Brees is 31-11 (.738) since 2009, certainly didn't hurt.
Few assumed it would be a laugher. It was, with the quarterbacks and linemen having everything to do with it.
Brees was brilliant, completing 29 of 46 (63.0%) for 342 yards, 7.4 YPA, 3 touchdowns and 1 interception. He was sacked four times, though three of them came from Arizona Cardinals defensive end Darnell Dockett as he battled undrafted rookie right guard Tim Lelito, who filled in for an injured Jahri Evans.
The Super Bowl-winning quarterback also rushed for a touchdown and earned a 95.83 Real QBR for his efforts—not his best day, but it was plenty given the day his counterpart had.
Carson Palmer and the Arizona offense started out great. They took the ball first on the opening kickoff and marched 80 yards for a touchdown in 11 plays. But their final 10 drives consisted of eight consecutive punts—including four 3-and-outs—before back-to-back interceptions from Palmer.
On the day, the former Heisman Trophy winner completed 18 of 35 (51.4%) for 187 yards, 5.3 YPA, 0 touchdowns and 2 interceptions. He was sacked four times and tallied a 36.38 Real QBR.
Other Real QB Rating Notes
Here are some impressive and interesting Real Quarterback Rating stats through three weeks of the season:
Teams winning Week 3 Real QB Rating Differential went 13-3 (top 12 went 12-0)
Teams with Real QB Rating greater than 100.0 went 16-4
Teams with Defensive Real QB Rating less than 60.0 went 15-0
Teams with top 36 Real QBR Differential games have gone 33-3
Top Real QB Rating Differential team for each week went 3-0 and combined to win by average of 42.7-16.7
Start Slideshow
Enter the text you see in the image.
Get the latest from the Nation
What's Hot
Top Videos
Top Community


text:
Dash is top dog in Carnival Fun Run
SARANAC LAKE – Kyle Dash is a Paul Smith's College All-American cross country runner and skier who loves taking his dog on jaunts through the woods near his home in McColloms.
On Saturday Dash competed in the Saranac Lake Winter Carnival Ice Palace Fun Run, and with his 10-month-old husky McKinley running alongside him on a leash, Dash topped the field as the race's overall winner.
Dash completed the 3.58-mile run in 23 minutes to finish ahead of the rest of the pack, which included a record number of 48 entries. A week ago, the endurance athlete for the Bobcats also won his age group in the 25-kilometer classic part of the Lake Placid Loppet cross-country ski race.
Dash said he was a little unsure of how McKinley would handle a road course, but as it turned out, the pair did just fine.
"Usually, we do trail running together, but this was a road race," Dash said. "McKinley was all full of energy early on, but I was kind of pulling him more toward the end."
The nippy weather, made a little colder by occasional wind gusts that kicked up blowing snow, seemed to provide perfect conditions for a Winter Carnival event.
Saranac Lake's D.J. Racette, who is the son of the Carnival Queen Cherie, finished runner-up, 45 seconds behind Dash's winning pace.
"It was an ideal day for a run," Racette said later Saturday while he watched the fireworks and lighting of the Ice Palace. "It was a little windy where it was open, but on the back part of course when we were running in the pines, it was perfect."
Dash said he briefly got lost on the course and had to slow down for the second-place runner for guidance. But once Dash got back on track, he was able to put more distance between himself and the rest of the field.
Bloomingdale's Doug Hazelden finished third in 24:26. Alexei Tumanova placed fourth, and Markus Mohrs was fifth to round out the top five.
Winter Carnival Princess Anastasia Hull, also a distance athlete at Paul Smith's College, was the top female finisher. Her time of 30:04 was also good enough for 13th place overall. She ran the race in her royal robe.
Runners were greeted at the finish with hot chocolate provided by Lake View Deli. Each finisher was draped with medals, which were actually colorful decorated paper fish made by Maria DeAngelo's students at Petrova School.
Saranac Lake Winter Carnival Fun Run
Saturday's Results


text:
"..In this kind of story, you can expect media distortion in the headlines, the captions, and the first 15 words (which is all some people ever read.)"
Distortion is not surprising from the "Catholic" Reporter, since they are not really Catholic. I've heard they have been asked by Church leaders to not call themselves Catholic.
It seems the bishops don't know what we as parents know: that unless you require obedience -- unless you make it stick --- you'll never be able to get any kind of compliance, based on filial love or loyalty or religious vows or anything else.
There should not be a single priest or vowed religious writing for them, and yet there they are, page after page.
It's pathetic, when you come right down to it.