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I believe BDC prices are based on more than just net asset value ("NAV") per share and earnings multiples, especially for the higher quality companies that return more than just dividends. This article will explain how I value BDCs using total return that accounts for income and capital appreciation. Income includes distributions or dividends and capital appreciation represents the change in the value of the investment. I use NAV per share growth to measure the ability to create value for shareholders because stock prices are subject to macro issues. I will also compare my total return pricing to the standard multiples methodology for the 25 BDCs that I cover.
Current Total Returns
In a recent article "BDC Returns For Q3 2013" I provided updated returns for the BDCs that reported. The table below shows the total return for each BDC using current dividend yield plus special dividends for 2013 plus NAV per share growth over the last twelve months. The projected dividend coverage column simply uses the average of First Call estimates over the next two quarters divided by the current regular dividend. BlackRock Kelso Capital (NASDAQ:BKCC) is the only company that is expected to not cover dividends with net investment income ("NII") by more than 10% and investors should expect a dividend cut in the coming quarters if its financials do not improve. The other thing I did not take into account was projected dividend growth which would increase the returns for companies such as Hercules Technology Growth Capital (NASDAQ:HTGC), Main Street Capital (NYSE:MAIN), PennantPark Floating Rate Capital (NASDAQ:PFLT) and Prospect Capital (NASDAQ:PSEC) that had higher than average dividend growth over the last twelve months. Solar Capital (NASDAQ:SLRC) and Horizon Technology Finance (NASDAQ:HRZN) both experienced dividend cuts but will hopefully not have to cut again. KCAP Financial (NASDAQ:KCAP) also recently cut dividends but had raised it earlier in the year so the change was nominal.
Projected & Expected Total Returns
When looking at projected total return I use a conservative approach taking the current amount of regular and expected special dividends and adding only 50% of LTM NAV per share growth with the exception of American Capital (NASDAQ:ACAS) that I assume performs similar to last year despite slowing NAV per share growth rates. There are many reasons for discounting the historical NAV growth rates and 50% is an arbitrary amount but as long as the same discount is applied from period to period it still serves as a valid method of measurement. I assumed that the BDCs with declining NAV per will stabilize in the future and used a growth rate of 0%.
The table below shows the projected total returns with the average and the 'standard deviation' that statistically measures the variation of returns compared to the average, with 68% of BDCs within one standard deviation from the average or between 8.8% and 12.4%. I believe this is an acceptable rate of return and maybe a little conservative because of the NAV per share growth discounts and may favor BDCs such as PSEC that pays a high dividend with little to no expected NAV per share growth. I believe that investors expect higher rates of return for higher amounts of risk and using this range of returns along with my relative risk rank (see risk profile articles for more) of each I assign an implied total return.
Implied Total Return Pricing
Using the implied total return from the previous section I calculate the proper price for each BDC. This is a simple calculation as shown in the example below:
In this example I am assuming that an Ares Capital (NASDAQ:ARCC) investor receives $1.52 from regular dividends plus $0.10 in special dividends plus $0.35 in NAV per share appreciation annually. This is a conservative estimate and there are potential upsides to the returns for ARCC including its NAV per share increased by $0.61 over the last twelve months and is currently trading at a 10% premium to NAV.
The table below applies this methodology to the other BDCs and compares the current prices as well as identify the portfolios I have suggested for each:
Obviously MAIN is an outlier even after discounting its large amount of NAV growth. SLRC is an outlier as well and is going through portfolio changes that skew the results. Gladstone Capital (NASDAQ:GLAD) reported results while writing this article but has not released its 10-K so the information is as of June 30, 2013. However, they have reported a large increase in NAV per share to $9.81 which would bring it almost back to where it was at the end of 2011.
Total Return Pricing Compared to Multiples
The table shows the difference between the two pricing methodologies which favors many of the BDCs that I consider to be higher quality. MAIN is an outlier using this methodology but I have included it and ACAS is also an outlier because I did not discount its NAV per share growth rates.
For now, I believe using an average of the two valuation methodologies is the best because they both have flaws but take into account different metrics that are all important to investors. Some BDCs such as PSEC, ARCC, Medley Capital (NYSE:MCC), TCP Capital (NASDAQ:TCPC), New Mountain Finance (NYSE:NMFC), Fifth Street Finance (NYSE:FSC) and TICC Capital (NASDAQ:TICC) are underpriced using both compared to others such as Apollo Investment (NASDAQ:AINV) that is underpriced using multiples but overpriced using returns.
In my weekly newsletter I provide updated pricing using both multiples and total return similar to the table below.
Investors should only use this information as a starting point for due diligence. See the following for more information:
- Article Index by BDC (updated regularly)
- Latest BDC Rankings (November 2013)
- Latest BDC Pricing (October 2013)
- The Total Return BDC Portfolio
- BDC Investment Philosophy for general BDC information
Disclosure: I am long ARCC, MAIN, PSEC, NMFC, TCPC, TCRD. 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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After theories circulated online that late Palestinian leader Yasser Arafat was poisoned with a radioactive element, Wired Magazine contributor and poison expert Deborah Blum decided to look into it herself. Her suspicion is far from that of the regular conspiracy theorist. She thinks the polonium found on his things indicate just one thing: He was a heavy smoker.
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I have recently completed my first full year of membership as a Platinum Member of Worldprofit and I thought it would be a good idea to share a review of the company and my interactions with the founders Dr. Jeffrey Lant, Sandi Hunter and George Kosch. I joined Worldprofit on May 12, 2010 and I am amazed how quickly this first year has passed and how much I have learned from the advanced "Millionaire Bootcamp" and personal mentorship from Dr. Lant.
I am going to categorize my review focusing on three core areas for consideration in order to provide you with a comprehensive overview of the company and my personal experiences. I will conclude this series of post with a fourth where I will with my top five proven ways to make money with Worldprofit.
The Company:
Workdprofit was founded in August 1994 placing it among the earliest established companies online. I am impressed with the consistency is the operation of the company when it comes to the mechanics of delivering the resources, products and training to it's members. In the year that I have been a member, the products and resources within the members area have grown by approximately 30% yet the monthly membership fee has remained unchanged.


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Public Engagement
- Home
- What is Public Engagement?
- Evaluation
- Funding
- Collaborative Learning in the Arts, Society and the Humanities (CLASH)
- Bright Club
- Creating Connections
- Focus on the Positive
- Awards
- Beacons for Public Engagement
- Creating Change
- UCL Public Engagement Network
- Contact us
- UCL Culture
Evaluation is essential for successful public engagement. UCL's Public Engagement Unit evaluates activities organised by the unit, and supports funded projects to develop evaluation plans for their activities.
- Evaluation FAQs - Frequently asked questions related to evaluating public engagement projects or activities.
- Evaluation Case Studies - Project learning and evaluation reports, completed post-project by the project lead, document the key achievements and challenges of past Beacon Bursary projects.
- Reports - Evaluation reports from UCL.
- Toolkits and guides that you can use to plan, deliver and evaluate your own engagement projects.
- UCL Evaluation Framework - An evaluation framework was developed to evaluate UCL's public engagement programme as part of the Beacons for Public Engagement initiative. This framework provides a structure for the appraisal of the programme and projects undertaken.
Page last modified on 09 may 13 15:03


text: 911 Dispatcher Snores Through a CallLeslie Horn5/25/12 10:40amFiled to: WTFridaywatch this91159EditPromoteShare to KinjaToggle Conversation toolsGo to permalink When a Maryland woman found her husband unable to breathe, she followed her instincts and called 911. But the dispatcher on the other end was also unconscious—in fact, he was fast asleep, audibly snoring. Advertisement Does this police department hire narcoleptics? Not exactly. The log-sawing operator was actually a firefighter who was 17 hours into a 24-hour shift. He's been placed on administrative leave, and probably getting some much-needed shut eye. [Arbroath]Gear from Kinja DealsBestsellers: Anova Sous-vide Precision Cookers Bestsellers: Amazon Premium HeadphonesFight Back Against Dry Winter Air With 20% off Vicks HumidifiersReply59 repliesLeave a reply


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Looking for a dividend stock you can count on? Shoe and bag maker RG Barry (NASDAQ:DFZ) should be on your shortlist. The footwear and accessory maker has been around for a long time, publicly traded for 50 years, and with a diversified product portfolio, strong sales trends, and healthy liquidity, its 2.44% dividend yield looks stronger than ever.
RG Barry has three major brands: the Dearfoams shoe and slipper line that is based off of the company's 1947 invention of the original foam cushioned slipper; the Baggallini line of travel handbags and accessories; and the Foot Petals line of footwear accessories. Its market cap stands at $146.68 million, at an intra-day price of $13.23 a share as of Tuesday.
The company's dividend yield is at 2.44%, and has a sustainable payout ratio of 24.56%. The yield level can be trusted (no value traps here) because the stock is currently rallying above its 20-day, 50-day, and 200-day moving averages. Liquidity is also strong enough to support the dividend for some time. As of the end of the first quarter, the company was sitting on over $40 million in cash and short-term investments. Current ratio is at 4.43, and quick ratio is at 3.43.
Despite the stock's recently strong performance, the stock still appears undervalued relative to EPS trends. Based on the assumption that P/E is equal to a constant k, increases in EPS should be matched by proportionate increases in price. But the company's EPS estimate for the current year increased from 1.12 to 1.23 over the last 30 days, an increase of 9.82%. This increase came during a time when the stock price changed by -1.7% (from 12.91 to 12.69 over the last 30 days). This may indicate that the stock has more value to price in.
Price multiples also point to an undervalued stock. PEG is at 0.81. P/FCF is at 8.88. TTM P/E is at 11.31 vs. 14.68 for the industry average. TTM P/Sales is at 0.94 vs. 2.31 for the industry average.
Sales trends have been steadily rising over the last 5 years, rising 4.2%. Comparing revenue trends to accounts receivable and inventory also point to strong sales trends. Revenue grew by 24.86% during the most recent quarter ($25.11M vs. $20.11M y/y). Accounts receivable grew by 12.11% during the same time period ($14.9M vs. $13.29M y/y). Receivables, as a percentage of current assets, decreased from 20.87% to 19.88% during the most recent quarter (comparing 13 weeks ending 2012-03-31 to 13 weeks ending 2011-04-02).
Inventory fell by 13.92% during the same time period ($17M vs. $19.75M y/y). Inventory, as a percentage of current assets, decreased from 31.02% to 22.68% during the most recent quarter (comparing 13 weeks ending 2012-03-31 to 13 weeks ending 2011-04-02).
On the downside, EPS has fallen 3% over the last 5 years for DFZ. But year-over-year EPS growth was impressive at 93%. 5-year projected EPS growth is at 14% according to Finviz.com.
For all of these reasons, I believe that DFZ offers a reliable dividend supported by strong sales trends and strong liquidity. The stock itself also appears undervalued to me by many measures. With its strong balance sheet and income statement, this company seems very well positioned for a recovery in global consumer spending.
For a closer look at RG Barry, use Kapitall tools to dig deeper!
For an interactive version of this chart, click on the image below. Market cap data sourced from Zacks Investment Research.
Tool provided by Kapitall (kapitall.com).
*Written by Alexander Crawford. Price multiple data sourced from Fidelity, EPS data sourced from Yahoo! Finance, accounting data sourced from Google Finance.
Disclosure: I have no positions in any stocks mentioned, and no plans to initiate any positions within the next 72 hours.


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Akzent Hotel Schroder: Find photos, reviews, information, amenities and compare prices for 3 stars hotels in Gross Meckelsen, Germany.
Located in Gross Meckelsen, Akzent Hotel Schroder provides modern 3-star accommodation, as well as a sauna. It also offers luggage storage, meeting rooms and an express check-in and check-out feature.
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In a large bowl, whisk the eggs and sugar together, then add the coconut milk, the whole milk, the spices and a pinch of salt. Add bread and figs and toss. Let soak for 15 minutes.
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... to see but little time to see it. Also I was under the impression that we were to see a actual battle re-enactment but that did not happen. Anyway a good day after all and we were back in DC by 6pm. Off on our hop on hop off bus tour around Washington tomorrow seeing such sites as The White House, Arlington Cemetery and the Police Museum. Enjoy the ...
Day 35 Raleigh to Washington DC Contiki day 23
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Extreme Makeover
Dan Wells. Tor, $15.99 trade paper (416p) ISBN 978-0-7653-8562-8
|Wells (the John Wayne Cleaver series) spares no aspect of American society's darkest corners or obsessions in this enjoyable satire, and those who fear heavy-handedness will be glad that it reads more like a humorous thriller than a diatribe. Lyle Fontanelle, a chemist working for the cosmetic company NewYew, creates products he hopes will make people feel better about themselves. But worldwide chaos ensues after he creates a hand lotion called ReBirth that morphs its user into anyone whose DNA the lotion has bonded with. Ordinary people look like celebrities, infiltrators impersonate members of governments, and thousands of people accidentally turn into copies of Lyle. ReBirth might even convey immortality. But it's more insidious than it seems, and every chapter starts with the countdown to the end of the world. The best and worst of humanity—sometimes embodied in the same person—are at the forefront of the sometimes breathless, often twisting story of a world spiraling out of control because too many people couldn't be happy with who they were. Reminiscent of Vonnegut at his most subtly biting, Wells's novel should find favor with speculative and mainstream readers alike. Agent: Sara Crowe, Harvey Klinger. (Nov.)Reviewed on 09/30/2016 | Details & Permalink
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January 19, 2017
Where we go from here
Armstrong Williams
9/14/2001 12:00:00 AM - Armstrong Williams
"Death is not the enemy; living in constant fear of it is." - Norman Cousins (1912-1990) U.S. editor, essayist, "The Healing Heart," 1983 On Tuesday, Sept. 11, the country watched - horrified and confused - as thousands of lives came to an end in an instant. The images are staggering: A plane's sudden descent into a tower; a hellish explosion; trapped faces pressed helplessly against the windows; twisted metal and bodies littering the streets. How do we face this reality? How do we come to terms with such an unprecedented attack? Traditionally, Americans have found ways to draw strength in times of crisis. In New York, throngs of people found themselves wandering to the Red Cross to donate blood. Countless others dig through the rubble, determined to make a difference with their hands. Still, a cloud of dust and an acrid odor hangs over Manhattan. Old New York is gone. It has been destroyed before our eyes. The public, at first staggered by the breadth of the attack, is now seething. Ninety percent of the populace supports war. The nation has changed. A generation that never had to contend with an imminent threat is now forced to confront the fragility of their lives. Their security as citizens of the world's lone superpower has now crumbled like bits of plaster. The nation has changed in more tangible ways. Countless points across the country now resemble a national security state. An employee's mother, who works at Fort Meade in Maryland, writes today: "My car was pulled over this morning and, with an UZI pointed in my direction, my car was searched while I was told to stand to the side. What an atmosphere around here. Armed guards everywhere, bomb-sniffing dogs and an hour in line to get to the checkpoint at the entrance to Ft. Meade to show ID. Military and civilian police working in conjunction. A scary place with the National Security Administration (NSA) standing in the background." The search for order has led others to resort to basic tribalism. There were news reports yesterday of vandals hurling rocks through the windows of local Muslim mosques. At the grocery store, one can see citizens cutting severe expressions at Arab-Americans. Yesterday, a group of young men stalked up to a lady in the parking lot of a Safeway and hollered, "Get out of this country." "I'm from Rhode Island, my father is from Rhode Island," she pleaded. It did not matter. They looked at her dark, rum-colored skin and began to throw rocks. Perhaps things have not changed that much since 1942. How do we achieve order following an unprecedented attack? Sometimes, we make ourselves feel more secure by attacking other tribes around us. This has been the way that humans have traditionally come to terms with their resentments. For the past 200 years, America has attempted something different. Rather than kill or convert those who are different from us, we have sought to secure their basic rights, then draw strength from our common humanity. Perhaps this is the best explanation as to why these attacks must be treated not as criminal assaults, but as acts of war against humanity. Accordingly, the United States must break from recent practice and assign blame not only to the individual terrorists, but to the anti-human governments that support, train and shield these zealots. Our freedoms make America an easy target for individual terrorists. Jail a few, more will follow. As Henry Kissinger has wisely noted over the past couple of days, we must obliterate the networks that nurture these organizations. This will involve more than an isolated strike. It will necessitate a world coalition dedicated to rooting out and destroying these insidious, anti-human terrorist groups. But, at home, there will be an equally important test: to avoid peddling broad ethnic hate; to avoid hurling rocks at mosques or shouting slurs at a dark-skinned lady as she walks across a store parking lot. This can be the only reaction from a nation grounded in the Bill of Rights. Our response must be that of a unified nation. We cannot allow fear to blacken our hearts or for hate to erode our common humanity. If we separate in anger and prejudice, than the terrorists will have won. I do not wish to give them such a victory.


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This Is Matt Romagna
Matt Romagna is a singer, songwriter, musician, and music producer from New Jersey. Drawing inspiration from songwriters old and new, Romagna's music brings a sense of melody and timelessness to today's folk/pop scene.
Growing up in a musical family, Matt was immersed in music from a young age. He graduated Berklee College of Music in Boston with a degree in Contemporary Writing and Production in 2011.
After Berklee, Romagna worked at Bennett Studios in Englewood, NJ. It was there he met producer/engineer Rich Keller (Alicia Keys, DMX, Snoop Dogg) and the two began working on the production of Romagna's first EP, titled "We Will Be Alright."
Recently Matt has been interviewed on Sirius XM Radio, performed in BMI's Acoustic Lounge: New York, and featured in The Deli Magazine as one of New York City's emerging artists.
Matt is currently playing shows with his band as work continues on an upcoming release.
We Will Be Alright - EP
Released Aug 5, 2014. Mastered and produced in New York, New York. ©Matt Romagna
Matt Romagna
Matt Romagna
Matt Romagna
Matt Romagna
Matt Romagna
Matt Romagna
Matt romagna TOUR 2016
News & Updates
This Friday I'm playing an acoustic set at @dragonflycafe_ in Somerville NJ. Music starts at 7:45pm. Come on down!
The truth about modern music production and the loss of the human element. https://t.co/Cr4FYQyb7M
Playing tomorrow night at @BourbonAnd Branch in Philly. Music starts at 8pm and we go on at 11pm. Going to be a fun night. Come on by!


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THE AVENGERS - Awesome Keyframe Movie Art
Joss Whedon's The Avengers was, in my mind, the most entertaining movie of the year. It was such a cool looking film, and all those cool scenes that we saw in the film started in the form of concept and key art. You've got to check out this series of keyframe illustrations that were done for the film by Andy Park, and as you can see they are all pretty awesome! The art features several of the main characters including Thanos, Iron Man, Hawkeye, Black Widow, Loki and more in some familiar scenes.


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Located in Al Jubail, Alreem Hotel is within the region of Royal Commission for Jubail and Yanbu and Al Nakheel Beach Park. This 4-star hotel is within the region of Aqua Park and Deffi Park.
Make yourself at home in one of the air-conditioned rooms featuring LED televisions. Complimentary wired and wireless Internet access keeps you connected, and satellite programming provides entertainment. Private bathrooms with showers feature complimentary toiletries and hair dryers. Conveniences include safes and desks, and housekeeping is provided daily.
Don't miss out on the many recreational opportunities, including a 24-hour health club, an outdoor pool, and an outdoor tennis court. Additional features at this hotel include complimentary wireless Internet access, concierge services, and a picnic area.
Grab a bite at one of the hotel's 3 restaurants, or stay in and take advantage of 24-hour room service. Relax with your favorite drink at a bar/lounge or a poolside bar.
Business, Other Amenities
Featured amenities include complimentary high-speed (wired) Internet access, a 24-hour business center, and dry cleaning/laundry services. A roundtrip airport shuttle is provided for a surcharge (available 24 hours), and free valet parking is available onsite.


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Via Genova 149
4.5 km from city center
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Via Villagrande, 16
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Via Gaggino 37
0.7 km from city center
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Via Villagrande 1
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Hello everyone and thanks for looking...Selling a Mint 2013 Gibson Custom Shop R 9 1959 Les Paul Standard Reissue. Cherry Burst over a Beautiful Flame maple top. Made to exact 59 Specs this is an amazing guitar...Absolutely Mint,Unplayed with all Paperwork and COA. Weighs 8 lbs 9 oz..plays great and sounds fantastic. Please email me with any questions or for more info. Free US Shipping with Buy it Now. I do ship worldwide. Thanks...Here's some more info from the website...1959 Les Paul Standard Reissue While all 1958-'60 Les Pauls are among the most saught-after electric guitars ever made, the '59 Burst is often considered among aficonados to be the crème de la crème of the range. They are also exceedingly rare, with only 635 guitars shipped that year. With sales of the Les Paul declining every year since 1953, the year after its release, Gibson decided in 1958 to update the look of the model with an elegant Cherry Sunburst finish. Guitars from that first year of the Burst's production often had relatively plain maple tops, but through the course of 1959, Gibson's craftsmen built Les Pauls with tops that displayed more and more highly-figured grains, making these among the most collectible of the breed today. The 1959 Les Paul Standard Reissue from Gibson Custom accurately recreates the original hallowed '59 Burst in every detail, and presents it in your choice of VOS finishes: Bourbon Burst, Faded Tobacco Burst, Iced Tea Burst, Lemon Burst, Sunrise Tea Burst and Washed Cherry Sunburst. Gloss: Bourbon Burst, Faded Tobacco Burst, Iced Tea Burst, Lemon Burst, Sunrise Tea Burst and Washed Cherry Sunburst.
While the 1959 Les Paul Standard retained the classic ingredients of the breed—its solid mahogany body and carved maple top, both represented here in the 1959 Les Paul Standard Reissue—the guitar also evolved slightly from its specs of the previous year. Les Pauls made in 1959 also acquired a slightly thinner, though still comfortably rounded, neck profile, which many players consider the sweetest feeling neck shape of all time, along with a smaller neck heel. These are all represented with utmost accuracy in the 1959 Les Paul Standard Reissue, while the guitar also benefits from Gibson Custom's 20th Anniversary Specifications, newly adopted for 2013. These include a one-piece rosewood fingerboard, Kluson™ Deluxe machine heads, hot-hide glue neck fit, a Historic Truss Rod assembly with no tubing, accurate body and fingerboard binding color, new Custom Buckers created in the image of the original PAFs, and period-correct Aniline dye offered in VOS and Gloss.
|Washed Cherry
|Original Hard


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The graduate faculty mentors of the School of Nutrition and Health Promotion in the College of Health Solutions offer a PhD degree in physical activity, nutrition and wellness. The mission of the program is to foster research which will promote healthy lifestyles intended to reduce the physical, social and economic costs of unhealthy living. While many healthy lifestyles are studied, the emphasis is on physically active living and sound nutrition.
Students are challenged to integrate disciplinary information from the exercise and nutrition sciences in combination with health promotion research and practice. Thus the doctoral program in physical activity, nutrition and wellness is uniquely designed to train scholars to conduct high impact, transdisciplinary health promotion research that explores issues that contribute to health through chronic disease risk reduction, quality of life promotion and enhancement of well-being.
Program graduates are prepared for research careers. The majority (70 percent) have procured postdoctoral research fellowships, research faculty positions in research intensive universities, or have obtained research positions in nonprofit industry, government or for-profit private sector research institutes. About 30 percent of graduates secure clinical or teaching-intensive positions upon graduation.
Students are to tailor a course of study in either: nutrition and health; or physical activity and health. Within these areas, students are expected to focus their study in a specific thematic area. There are eight thematic areas to choose from:
The program requires full-time residency and typically is completed within four years of full-time study after the master's degree. Students work with an approved mentor from the beginning to the end of the doctoral program. A mentor is selected by mutual agreement between student and mentor based on mutually compatible research interests and funding availability.
Students are actively engaged in research at every stage of the program through participation in research internships, independent research experiences, research seminars and colloquia, and dissertation research.
97 credit hours, a written comprehensive exam, an oral comprehensive exam, a prospectus and a dissertation
Credit hour requirements are distributed as follows: previously awarded master's degree (30) Examples of areas of focus include: Courses in the focus or thematic area are determined by the student and supervisory committee. Up to three but not more than nine credit hours in the focus area may be taken from a program outside the Nutrition, Exercise Science and Health Promotion programs.
core (6)
required research course (12)
elective research courses (17)
professional development (5)
area of focus (theme) (15)
dissertation (12)
Credit hour requirements are distributed as follows:
previously awarded master's degree (30)
Examples of areas of focus include:
Courses in the focus or thematic area are determined by the student and supervisory committee. Up to three but not more than nine credit hours in the focus area may be taken from a program outside the Nutrition, Exercise Science and Health Promotion programs.
Applicants must submit the online graduate admission application.
In addition to meeting the Division of Graduate Education requirements, applicants must have successfully received a master's degree prior to admission to the program, and it is preferable that a data-based research thesis has been completed.
Applicants must include the following materials with the online application:
*An applicant whose native language is not English, regardless of current residency, must submit a TOEFL score unless the requirements for an exception have been met.
Prerequisite courses: Students may only be admitted if the following prerequisite undergraduate course topics or their equivalent have been completed prior to starting the program:
Students should also have completed a graduate-level statistics and research methods course.
It is expected that students admitted to the program will have a strong disciplinary foundation in physical activity and wellness, health promotion, exercise science or nutrition science. Individuals lacking background in these areas will be required to make up deficiencies before admission. Other requirements may be necessary depending on the area of study and will be determined by the mentor and executive committee.
Admission decisions are based on the compatibility of the applicant's research interests and career goals with the purpose of the degree program, previous academic training, GPA, GRE scores, recommendations, available funding and a match of research interests with available mentors.
It is expected that doctoral students will spend a minimum of three years in full-time residence. The intent is to involve and embed the student in ongoing research as well as class study. Thus, all doctoral students are to be full-time students and hold part-time appointments (20 hours per week) as teaching or research assistants. As such, to be accepted into the program, funding must be available and students must have the expertise, experience and willingness to teach courses or laboratories in the exercise and wellness or nutrition undergraduate curriculum or be a research assistant as funding allows.
Please see the program website for application deadlines and admission terms.
Applicants must fulfill the requirements of both the Division of Graduate Education and the College of Health Solutions.


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Become master of your mind, writes RICK LEVY
Learn how to master the power of your mind and life will become your playground. There are actually four levels of the human mind, each more powerful than the last, rising all the way up to infinity. If you learn how to access and steer your thinking at all four levels, you will gain astounding benefits.
You'll be able to free yourself from distorted logic of the kind that keeps you susceptible to distress. You will gain tremendous insight regarding your own destiny, and the power you need to make it happen. Distress will be nothing more than a distant memory, every challenge will become a cause for eustress — the opportunity to make gains in understanding progress….
Conscious Mind
The first tier of the mind is the one you are most familiar with and have the easiest access to: the conscious mind. It consists of your everyday thoughts, feelings, beliefs, perceptions, attitudes and expectations — the facets of your mind, you are aware of. It is however the weakest, smallest part of the mind…. Even though the conscious mind is the weakest, smallest part of the mind, it packs a lot of power.
Until now in the history of humankind, it's the part of the mind that has principally been responsible for getting us where we are today.
Hidden behind the conscious mind is the subconscious mind — a storehouse of memories, deep feelings, desires, motives and knowledge of which you are not usually aware. It is gigantic in size and power compared to the conscious mind. Sigmund Freud provided a simple but accurate model for understanding the size-power relationship between the two levels of mind: the iceberg model. The conscious part is the tip of the iceberg, the part that you see above the water line, which is always many times larger than the 'tip' floating above the waterline....
Super Conscious Mind
Hidden behind the subconscious mind is a third level of mind called the individual super conscious mind. Most people know it by its popular name: the soul. It is here that we are most directly aware of the Story Behind The Story. This level of mind is exponentially more powerful than the subconscious, and possessed of abilities that defy most people's imagination. It is for this reason that the nature of the soul is usually relegated to the realm of scripture and poetry. To understand the power you possess at this level of your mind, you have to have a basic understanding of how the universe is structured and how it works….
The individual super conscious mind is a gateway to the universal super-conscious mind, which is infinite in power. It is virtually impossible to describe the infinite mind to someone who has not experienced it. There are no words, no poetry that do it justice. Lao Tzu, the fully enlightened master, once said, "He who speaks does not know, and he who knows does not speak."
The Happiness Sutra, Times Group Books.


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5 cabin boats for rent in Biograd na Moru
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Firm Profile: Lobbyists, 2012
Total Lobbying Income: $660,000
Total number of revolvers: 1 (100.0%)
Total number of former members: 0 (0.0%)
Lobbyists working for Doerrer Group:
|Doerrer, Paul
|AMR Corp (American Airlines)*
Center for Transportation & Environment
East Penn Manufacturing
Flood Zone Correction
General Electric (GE Transportation Systems)*
Harris Corp
High Concrete Group
PPG Industries
Saab Sensis Corp
* Subsidiary (Lobbied For)
NOTE: All lobbying expenditures on this page come from the Senate Office of Public Records. Data for the most recent year was downloaded on April 20, 2015.
Feel free to distribute or cite this material, but please credit the Center for Responsive Politics. For permission to reprint for commercial uses, such as textbooks, contact the Center: firstname.lastname@example.com


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Dale's son becomes the star quarterback for Landry High School, but Dale pushes the boy to accept a private school's offer, which includes a cash contract.
Peggy hires a ``Hollywood'' family to replace the strange occupants of a house she needs to sell within two weeks.
Peggy plans her own birthday party; Hank and the gang attend a disco party on a mystery train.


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I tried the supreme+ too, and like it very much. I had 4 TGY today, 2 regular ones and 2 good ones I can't bear with the hassle and wasting of trying a few teas together at the same moment, so I had them one by one. I like the subtle yet long lasting floral fragrance in rich barbarian's TGY. I compared it with a brand name (Ri Chun, 日春) TGY a friend gave me from China. The brand name tea costs about $130 per pound in China, but I think RB's tea is as good as it, if not better (probably even better, it will take another taste to tell).
Besides the good taste, I noticed the dry leaf balls look dark green, which means young leaves. The wet leaves look very healthy. And near the end of my brewing, for the last few fusions, I left the tea in brewing for several minutes. The long infusion didn't bring out much bitter or dry side tastes, so I believe this tea is easy to brew too and slight change of infusion time won't cause an accident
RB's king level TGY is really out of the price range that I usually spend on a TGY, but I am very tempted now
Btw it's fun to have group tasting like this!


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Oh, dear!
Heh. They did have a bit of a run-in recently, after the State of the Union address, which musician Ted Nugent attended.
The musician is an outspoken gun rights proponent. MSNBC, home of the 155 replays of Rubio sipping water, calls him a zealot. Gee, perhaps that bias interfered with Russert doing his job?
Nugent also wasn't a fan of the State of the Union address itself.
As for the "punkass" Russert? These Twitter users agree.


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Students filed into Justin Line's engineering classroom with engineering plans, rulers and ideas to plot out the building design for the weight room of the athletic complex at Elizabethtown High School.
The students' task is to redesign the weight room because the original plans changed in shape and size. The class has to readapt the plans to the new dimensions and present their plans to the school for consideration in the new complex.
Members of the Stitchers Quilt Guild attended the annual mystery quilt workshop in January. Members are told ahead of time how much fabric to bring for the project and pre-cutting directions. Once the workshop starts everyone gets the first clue to work on, once that part of the quilt is done the next clue is passed out. This is done until the entire quilt top is complete. Patty Pruitt reveals the mystery quilt.
American Red Cross will offer the following courses in February at the Hardin/LaRue Service Center, 405 W. Dixie Ave. in Elizabethtown. Registration can be made by calling (800) 733-2767 or by visiting www.redcross.org.
Blended learning now is available. Classroom content now is done online and skill outs in person at Hardin/LaRue Service Center.
Feb. 9
Adult CPR/AED skills session, blended learning, 9 to 10 a.m., $70.
Five senior cheerleaders recently were awarded the KAPOS Libby Burr Leadership and Academic scholarship at the 5th Region KHSAA Cheerleading Competition. Pictured are Anna Harris from Adair County High School, Kylie Keen and Keagan Keen from Elizabethtown High School, and Kelsey Dunkin from North Hardin. Kristin Boone from Bardstown also is a recipient.
Seniors from the Hardin County Senior Center in Elizabethtown enjoy a Christmas potluck lunch in December. They also played bingo and cards.
Recently, a girl from Meade County died in a car wreck. She was 27, a young mother of a little boy.
I recently got to know her, though I don't claim to know her well. Not like her many, many friends. Not like my new sister-in-law. You see, this girl, Sarah Hottell, and I were both bridesmaids in my husband's brother's wedding in December.
Leslie Hall found the career she loved after her husband was assigned to Fort Knox. It's a career that has led to an appointment to a state board.
After completing a degree in psychology and biblical studies at Tennessee Temple University, Hall participated in an internship at the child abuse council in Georgia and found she enjoyed the social work aspect of what she did.
Troop 221 in Elizabethtown awarded Terrance Life, son of Darin and Traci Life, his Eagle Scout award Jan. 19, at College Heights United Methodist Church. He was one of 11 scouts from Troop 221 to achieve the rank of Eagle in 2012. His Eagle project, completed in September 2012, was the repair and refinishing of the deck on the Trucker's Chapel in Glendale. He successfully completed his Eagle Board of Review on Oct. 29.
From left, Willie Lee, Optimist International vice president elect for the Mid-Atlantic Region inducts new members Corwin Lewis, Stephanie Riley, Mario Riley and Angel Hernandez into the Optimist Club of Radcliff. They were given new member welcome packets and member name badges and pins by Jack Banks, Optimist Club of Radcliff president, second from right.
Copyright © 2017
The News-Enterprise is your source for local news, sports, events and information in Elizabethtown, KY, Hardin County and the surrounding area.


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An American company by design, Friedrich was established in Texas and has been in the business of making life more comfortable for its customers since 1883. They are as committed to excellence and technological innovation through temperature control as they are to energy efficiency. Their air conditioning ranges are customized for both home and commercial use and also feature ductless split systems. They also manufacture a line of dehumidifiers.
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: Solved
Network Connectivity Problems
View Single Post
09 May 2012
Windows 7 Ult, Windows 8.1 Pro,
9,149 posts
San Diego
Quote: Originally Posted by
For the past week I have been experiencing issues while on the web with my newer laptop. I have my laptop connected via WiFi to our network. From my room upstairs the signal strength is normally fair. However, every once in a while ( Like once an hour at least, 5 min apart at worst) the internet drops to very low signal strength and I cannot connect to the internet. Windows also notices the problem and alerts me that I have limited or now connectivity. It then works again within 1 minute. It is very annoying, especial since I stream a lot of music and do a lot of VoIP calls. I have restarted, rebooted the router, reset the router, and turned my wireless card on and off. And the strange part is that my computer connects fine to other networks and stays connected. And even stranger is that no other computers or devices on the network are having that problem. There are 4 laptops connected not including my notebook. There are also 3 phones, a tablet, a printer and a Wii connected via WiFi. There is also a desktop, a server, and a blue-ray player connected via Ethernet. The router is the Actiontec MI424WR Verizon FiOS Router. Any Ideas?
Thanks in advance,
This type of problem usually relates to the wireless channel is overloaded, this is usually because your neighbors are using the same channel or close to the same channel as your router. Channels overlap because they use part of the bandwidth from other channels in order to put out a signal.
It's best to scan the area using a WIFI scanner then look for a channel that either isn't being used or one that is furthest away from the channels that your neighbors are using. This is especially true when trying to stream movies.
You will want to use WPA2 and AES encryption if possible. If your still having problems you can post a screen shot of the results here. Sometimes it's obvious which channel to use, other times you have to just pick and choose to find the right one.
Xirrus WIFI scanner works well for this.
Wi-Fi Inspector | Xirrus
My System Specs
Computer type
System Manufacturer/Model Number
Home built
Windows 7 Ult, Windows 8.1 Pro,
Q9650-4.275GHz, E8600 4.5GHz, E6750-3.8GHz
Evga 780i FTW
G.Skill PC2 9600 1200Mhz 5 5 5 15 2T
Graphics Card
Sound Card
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Playoffs are shots with rebounds from multiple players
Suisse Type Specimen / UI Challenge — Week 12 Hi everyone, This week assignment was a bit different and more focused on typography and presenting the type. Assignment was to choose one typeface and make a type specimen / type styles page. Having in mind that typefaces come in super families or collections I have braked the content into two separate pages. The first page is basic info about collection and the technical characteristic of...
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New Website! We're excited to officially announce the launch of our new website! We've included new projects, headshots, bios, and a place for us to play—The Sandbox. A huge thanks to our good friends and partners who helped bring our vision to life. Development and animation: @Allen Pieper of @Oldspeake Headshots: Joetography Project photography: Polina Osherov Explore the full website at comotion.studio...
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BLACKFORMAT B Logo Playoff! Blackformat Logo Challenge Hey-yah! We're doing a logo challenge for our members where they get to do their own interpretation of the Blackformat logo. The goal with this is to use our communities skills to make the Blackformat profile even more fun and to show all our talents and many different styles. - Transparent background or if you choose to have it on a background the B needs to be abl...
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The Premier Stratoliner is a beautiful Stetson classic with a 2 1/2" brim and a 6 ligne grosgrain ribbon trim with a matching bound edge. The Stratoliner's open crown allows for a variety of shapes to be steamed in for plenty of style options to create your own personal look out of a timeless classic.
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Pros/Cons of Umass Worcester GEP Program - page 3
I've decided on the Adult/Gero Primary Care track and would really appreciate some input regarding the program, campus, etc at Umass Worcester. I was also accepted at MGH, which was originally my... Read More
Feb 15, '13 by cptthraceYes - I got in! Really excited but conflicted. Have you made your final decision yet?
Feb 15, '13 by DizzyD25Me too and I'm feeling the exact same way. I thought waiting would be the most difficult part, but it certainly isn't.
Feb 16, '13 by cptthraceDo you know how long we have to tell UMass? I forgot to ask about that. Any progress on the decision?
Feb 17, '13 by DizzyD25I asked what I needed to do and she said we will be getting a large packet in the mail within about a week or so that will have all the information we will need. I'm pretty sure I'm going to Umass. My best friend's mom is a nurse and asked around. She talked to someone who taught at various schools in Boston who said that both schools are excellent and to base your decision on: debt, cost of living etc, the overall feel you had when you imterviewed or attended the campus, she said we will find jobs after both programs, and that MGH does slightly more research compared to Umass, so if you really are interested in research this is something to consider. She didn't think the BSN was too big of a deal. Having talked to other people, they aren't too concerned about it either. It's a perk, no doubt, but shouldn't be the deciding factor from what I'm told. I loved UMW's campus, feel, program, the cost is AMAZING as well as the cost of living. What are you thinking????
Feb 18, '13 by bosfnp2bSorry - I've been without internet access for a few days. Congrats on your acceptances I'm interviewing this week, so fingers crossed! Any pointers for the interview? Did they only cover the questions that were outlined in the confirmation email?
I think you will do just fine without the BSN...so many people have gone through the program and have found jobs after, so I can't imagine that you will have a different experience as long as you work hard. The best piece of advice that anyone has given me during this whole process is to 'pursue whatever works best for you, not what others think is best'. It sounds like you've found the right fit!
Feb 19, '13 by bosfnp2b@DizzyD25 Also, did you have any luck getting in contact with MGH about visiting the campus, etc? I think I am going to see if they will let me come in for a tour, etc. sometime this or next...
Feb 21, '13 by whatatreat86Hello! I'm glad I finally found a thread about UMW because I haven't been able to find any information about it! Has everyone who applied there heard back yet? I, unfortunately, sent in my application right before the deadline. I know that they do rolling admissions, so I feel like if I haven't heard anything by now, I didn't get in...It was my #2 school because of the cost! But I think I am going to end up going BC, since I've actually heard back from them
Feb 21, '13 by bosfnp2bSo I think the interview went well I won't know for sure until the first week of March, and I know that it is a very competetive program, so we shall see...
I didn't hear until last week and I submitted right before the deadline as well, so I wouldn't worry yet!Last edit by bosfnp2b on Feb 21, '13 : Reason: post looked strange
Feb 28, '13 by blizz108Is anyone still reading this thread? I have my interview for the GEP to DNP next week (very excited!). Has anyone found out further information about the GEP or UMW? Any more acceptances?
Feb 28, '13 by bosfnp2bNothing yet - i'm supposed to hear end of this week/early next.
Good luck!
Mar 5, '13 by DizzyD25Hi guys! Sorry I haven't been on! I'm definitely attending. I've heard nothing but great things about UMW's program. My PCP who has MGH NPs working for her said that UMW is harder than MGH to get into and is an AMAZING school. Has anyone heard? if so what is your decision?? Orientation is in June fyi I'm currently looking for apts. Went today to scope out the area and have looked at many units in local condos. We can't advertise for roomates, so if anyone is rooming please PM me. Rumor has it you have to start early to get into safe decent apts.
Mar 7, '13 by blizz108I had my interview yesterday. Now I'm patiently (not patiently) waiting to hear. I've already paid my deposit at Simmons, but I so want in at UMW.
Is that my phone ringing? <---- The question I ask myself 50 times a day.


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How Far Have You Gone To Catch Pokémon?
There's no shortage of odd, funny and even risky tales of the lengths people will go to find Pokémon. At San Diego Comic-Con, we asked people the oddest things they've done to catch 'em all.
Billionaire and Chairman of Marriott International shares his most sage piece of advice for any business owners, managers or leaders.


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Drum Light
Have you heard of drum pendant lighting? This upcycle idea uses an actual drum for the shade! Rockstars take note, this drum light is totally diy-able! Read on for the tutorial.
Have you heard of drum pendant lighting? This upcycle idea uses an actual drum for the shade! Rockstars take note, this drum light is totally diy-able! Read on for the tutorial.
Here's something we haven't thought of before, what happens to old espresso machines? Willem Heeffer has turned them into absolutely stunning boiler lamps! We love the industrial chic look of this collection. Read on to find out more about these awesome pendants and floor lamps.
Do you have any ugly old lampshades lying around? If so, this wire pendant light tutorial is perfect for you. It's an awesome way to turn unwanted lampshades into trendy wire pendant lights! The best part is that it's super easy. Read on to find out how to make these cool upcycled pendant lights.
We love upcycled lamps! There are so many innovative ways to repurpose and create gorgeous lighting. This beer bottle lamp is a super cool example. The effort required to make it is minimal, and the results are awesome. Read on to find out how to make your own beer bottle lamp.
Exciting things are in the works here at Upcycle That. We're currently on the hunt for awesome upcycled products and brands to work with. Are you a maker of upcycled products or an upcycled brand? If so, read on!
The dramatic Chiquita chandelier by Dutch designer Anneke Jakobs is a brilliant upcycled piece. Made from 29 used Chiquita banana boxes and 300 paper fasteners, this upcycled chandelier is creative and fun. The best part? Anneke Jakobs has released open source plans so that you too can create your own Chiquita chandelier.
We are presenting these egg carton flower lights by popular request! Making them is a fun, easy process requiring not much more than a string of lights, a few egg cartons and some paint. While simple to make, these egg carton flowers can dramatically dress up a plain set of Christmas lights. Read on to find out how to make your own.
We are celebrating 3000 fans on Facebook with an Upcycle Giveaway! To mark the occasion we're giving away 2 Heinz beanz can lights from the product designer Willem Heeffer. Read on to find out how to win.
We've long been of the opinion that the Heinz bean can label is an iconic design. You can imagine then how excited we were to learn that Dutch designer Willem Heeffer has been transforming Heinz been cans into tin can lighting!
These days we can't seem to get enough ambient lighting. That's why we were thrilled when Linda Rose from Italy shared her cube cardboard light with us. Made from corrugated cardboard, this upcycle highlights cardboard in a really beautiful and interesting way. Find out how to make one for yourself.


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Fascinating discussions and understanding more on advanced influencing
Negotiation Concessions
Negotiation Concessions are also sometimes referred to as 'Trade-Offs' where one or more parties to a negotiation engage in conceding, yielding, or compromising on issues under negotiation and do so either willingly or unwillingly. Negotiation Concessions often include 'log rolling'.
Back to Negotiation Definitions


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Sunday no fun day for them
PARIS - Maria Sharapova's ankle was throbbing, her shots were off target and she was one point from losing to Mashona Washington in the French Open's first round.
What rankled Sharapova the most, though - after she overcame three match points to beat the 97th-ranked American, 6-2, 5-7, 7-5 - was that she was playing at all. This was, after all, the first Grand Slam tournament to start on a Sunday instead of a Monday, a bid to sell more tickets, reach a larger TV audience and promote the game.
The first round is being stretched over three days, and Sharapova wanted a Day 2 debut because of her health, the sort of request tennis players often make - and often are granted. The 2004 Wimbledon champion hadn't played since April 1 because of an injured right ankle that was retaped after the second set against Washington, younger sister of 1996 Wimbledon men's runner-up MaliVai.
"I asked if I could play later. The answer was, 'You're playing Sunday, fourth match,'" the fourth-seeded Sharapova said.
"How did it make me feel? Well, it doesn't make you feel great when you know that the French federation, all they're thinking about is selling tickets, making money I mean, you can't be too happy about that."
Roger Federer wasn't pleased to be playing, either, although his attitude was more akin to someone called in to work when he expected to relax on a day off.
Aiming to win his fourth consecutive Grand Slam title, something no man has done since Rod Laver in 1969, Federer got off to a poor start before eventually putting together a 7-5, 7-6 (2), 6-2 victory against Diego Hartfield.
Consider yourself a tennis fan but not all that familiar with Mr. Hartfield? Don't feel bad. Neither was the top- ranked Federer. Not at all.
"I never heard of his name. Never seen him before," said Federer, who has won the other majors at least twice each but has yet to win the French Open. "First time I saw him was five minutes before the match."
If Federer was groggy at the start of the match, he sounded a bit grumpy after it.
Good-natured and grinning throughout, Federer questioned whether official unforced error statistics are really accurate (he had 49) and bemoaned his Sunday start (though he said he thinks it's good for the sport).
"I didn't want to be the guy who starts the tournament," he said. "You play Sunday, first up, you feel like the tournament hasn't even started yet, and right away you're challenged. It's not easy."
Like Sharapova, he asked to be pushed back to today. Like Sharapova, he was turned down.
"He would have preferred to play on Monday. He said that. But on the other hand, you explain the concept that this is done to promote the game, the players," French Open official Stephane Simian said. "And he understands that, as No.1, as the great champion that he is, as the great ambassador for the game, he has to be on court for that."
Simian said No.5 Andy Roddick (ankle) and No.14 Lleyton Hewitt (calf) - on the bottom half of the draw, opposite Federer - were given delayed starts "to give them as much rest as possible."
Sharapova would have appreciated that, too, even if she now gets two days of rest, as do all of Sunday's winners. Seeded players went 9-0, including victories by women's No.1 Amelie Mauresmo and men's No.3 David Nalbandian.
No.2 Rafael Nadal was due to play Sweden's Robin Soderling in his first-round match today. If he wins, Nadal will break Guillermo Vilas' 1977 record of 53 consecutive victories on clay.
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sometimes {adverbio}
a veces · algunas veces
Traducción inglés-español para "sometimes"
"sometimes" en español
sometimes {adverbio}
Sometimes this is entirely apposite, but sometimes it is devoid of any sense.
That is why there are sometimes disappointments at the end of the presidency.
However, it is sometimes difficult, for we cannot complain of any lack of interest.
In this context I am a little surprised at what is sometimes said about Turkey.
Sometimes economic growth may even trigger or intensify tensions in society.
sometimes {adv.}
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Keyboard size (and sometimes layout) varies with the size of the laptop.
But sometimes Windows Update will need your input during an installation.
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Ejemplos de uso
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women, make the choice to defend and promote life so demanding as sometimes to
Sometimes that will mean a legislative response introduced by the Commission.
During the course of this debate, I have sometimes had a quite different impression.
dominion over the earth, sometimes understood in a one - sided and superficial
In its final form it is a report that is clear, but sometimes critical too.
Sometimes, the question is even raised as to whether this policy should exist at all.
Furthermore, these companies receive subsidies and sometimes even privileges.
Firstly, because it is sometimes right to respect the principle of subsidiarity.
Sometimes agricultural surpluses from Europe are used in food assistance.
Then we naturally think of Turkey, of Russia and sometimes of other countries too.
It will not even hinder what are sometimes called speculative investments.
Sometimes the same substance works on me one day, but does not work the next.
When you're having a computer problem, sometimes you might want help from someone else.
Mr President, it may sometimes be necessary to take more time to say less.
(DE) Mr President, ladies and gentlemen, sometimes I do not believe what I hear.
Sometimes it has been clear what it is we are asking and what is being answered.
Sometimes we adopt too much of a patronising attitude towards these candidate countries.
The European Commission is sometimes a bit of a difficult animal to run.
I do not have to tell you that sometimes you do not get the answer to the question.
Payment of instalments by the Commission is sometimes delayed for years.
Sugiere una nueva traducción de inglés a español
¿Has escuchado expresiones coloquiales recientemente? ¿Hay alguna traducción técnica en inglés que no hayas encontrado en el diccionario inglés-español? En los campos de texto de abajo puedes agregar fácilmente nuevos términos al diccionario inglés-español.
Sugerencias recientes de los usuarios: suponer un peligro, guiverno, Puerta santa, novela policíaca, represalias
Palabras similares
sombre · sombreness · some · somebody · someday · somehow · someone · somersault · something · sometime · sometimes · somewhat · somewhere · somnambulism · somnolent · son · son-in-law · sonata · song · songbird · songs
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