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Latest content added for UNT Digital Library Partner: UNT Librarieshttp://digital.library.unt.edu/explore/partners/UNT/browse/?fq=untl_collection:UNTETD&display=grid&fq=str_degree_discipline:Special+Education2016-03-20T10:34:12-05:00UNT LibrariesThis is a custom feed for browsing UNT Digital Library Partner: UNT LibrariesTraditional Bullying and Cyberbullying in Korean Children and Youth with Emotional and Behavioral Disabilities: Examination of Contributing Factors2016-03-20T10:34:12-05:00http://digital.library.unt.edu/ark:/67531/metadc822744/

Children and Adolescents with emotional and behavioral disabilities (EBD) are often involved in aggression, acting out, bullying, violence, substance abuse, and juvenile crime. However, the limited Korean studies have focused primarily on bullying of students with developmental disabilities or intellectual disabilities. Therefore, the current study aimed to explore contributing factors to traditional bullying and cyberbullying in Korean children and adolescents with EBD. The current study surveyed 112 students with EBD between ages of 10 and 15 and their parents (guardians). The results revealed that internalizing problem behaviors including anxious/depression, withdrawal/depression, and somatic problems significantly affected traditional bullying victimization of Korean students with EBD. The peer support was a significant factor affecting cyberbullying victimization. Furthermore, the maternal psychological control was a meaningful factor affecting perpetration at school and in cyber world. Based on the findings, the present study described implications regarding prevention and intervention programs for addressing traditional bullying and cyberbullying victimization and perpetration.
Teaching Children with Autism to Vocally Mand for Others to Perform an Action2016-03-20T10:34:12-05:00http://digital.library.unt.edu/ark:/67531/metadc822802/

Mand training is a very logical and natural procedure to begin teaching communication skills to individuals with autism. Existing research has documented strategies for teaching children with autism to mand for preferred items, although there are fewer high quality studies on teaching children to mand for other people to perform an action. In addition to improving the general mand repertoire, teaching children to mand for others to perform an action is important because it allows children with autism to communicate ways in which another person could improve their environment by performing a simple action. The purpose of this study was to document a functional relation between mand training and acquisition and generalization of unprompted mands for another person to perform an action. Using a multiple-baseline design across participants, four children with autism were taught to mand for an adult to perform a variety of actions (e.g., to open a container so the child could obtain a preferred item). Results showed that the intervention produced an increase in unprompted mands for actions for all participants. Additionally, all participants demonstrated unprompted mands at or above mastery criteria during all generalization sessions in a different setting and different interventionist. The magnitude of effect was also large for all participants. This study extends the research on mand training by demonstrating a procedure that can be used to teach children with autism specific mands for actions. Additionally, this study will contribute to a body of strong and adequate studies that will eventually lead to mand training being considered an evidence-based practice.
Computer Assisted Instruction to Improve Theory of Mind in Children with Autism2015-08-21T05:42:39-05:00http://digital.library.unt.edu/ark:/67531/metadc699860/

Children with autism spectrum disorder (ASD) show significant deficits in communication, emotion recognition, perspective taking, and social skills. One intervention gaining increased attention is the use of computer assisted instruction (CAI) to teach social, emotional and perspective-taking skills to individuals with ASD with the purpose of improving theory of mind skills. This study evaluated the effectiveness of CAI for improving theory of mind skills in four children with high functioning autism ages 5 to 12 years. A single-subject multiple baseline research design across participants was utilized to evaluate the effectiveness of CAI. The software contained 22 instructional scenarios that asked participants to identify emotions of characters based on situational cues displayed in line drawn pictures and audio feedback for correct and incorrect responses. Mind-reading skills were assessed using ten randomly selected scenarios for various emotions and no audio feedback. Visual analysis of the data revealed that all four participants increased mind-reading skills during the CAI condition. Additionally, this study evaluated levels of task engagement during experimental conditions. Three of the four participants showed an increase in task engagement during CAI compared to paper-based social stories used during baseline. Generalization of skills was assessed through the use of social scenarios acted out by family members of participants. All four participants were able to correctly identify emotions displayed in generalization scenarios. Results demonstrated that CAI was an effective and socially viable method for improving ToM skills in children with autism and they could generalize their skills to untrained settings.
Resilience Among Graduates From Alternative Education Programs2015-08-21T05:42:39-05:00http://digital.library.unt.edu/ark:/67531/metadc699937/

Research has shown that students with emotional and behavioral disorders (EBD) typically have poor life outcomes. Students with EBD who are placed in an alternative education setting are likely to continue a path toward failure without carefully designed effective services. Existing studies have independently examined resilience in children and youth and alternative education settings. However, there is a gap in research examining resilience in students who have graduated from alternative education settings. Using semi-structured interviews, the present interpretive and descriptive qualitative study sought to explore factors of resilience in individuals who graduated from alternative education settings. The study sought to identify elements, specific to alternative education settings, that have contributed to resilience in young adulthood and to further our understanding of how alternative education placements have contributed to the participants' current life status. Findings revealed three themes specific to alternative education settings that contributed to participants' resilience: teachers who show that they care about their students, a positive learning environment, and a small student-teacher ratio where participants were able to get more one-on-one instruction. Additionally, two other themes arose from the data: having a supportive family and an innate sense of self.
Educational Experiences of Youth with And/or At-risk for Emotional and Behavioral Disorders Residing in Foster Care Settings2015-03-08T17:44:37-05:00http://digital.library.unt.edu/ark:/67531/metadc500118/

Research examining the academic experiences of youth with emotional and behavioral disorders (EBD) residing in foster care (FC) is scarce. Research is warranted to understand the academic strengths, weaknesses, and school disciplinary experiences of youth with EBD residing in FC. Data from the National Survey of Child and Adolescent Well-being II (NSCAW II) included data on eight participants classified as EBD. Having a limited number of participants classified as EBD in the data set, I used participants' scores on the Child Behavior Checklist (CBCL) to classify participants who may be at-risk for EBD. Analyses were conducted to determine if significant relationships existed between participants' internalizing and externalizing scores on the CBCL and their (a) scores on assessments of academic achievement and (b) behavior problems leading to suspension or expulsion. Results indicated that participants' scores on the CBCL were not predictive of their academic achievement or of their numbers of behavior problems leading to suspension or expulsion.
The Impact of Teacher Perception of Cultural Competence on the Instructional Decision Making of English As Second Language (ESL) Students2015-03-08T17:44:37-05:00http://digital.library.unt.edu/ark:/67531/metadc499978/

Recent research suggests that culturally responsive teaching (CRT) practices have the potential to increase student educational outcomes, as well as to reduce unnecessary or inappropriate placement referrals. Examination of the core components in CRT, teacher efficacy and cultural competence, is proposed to be a critical step to reduce unwarranted referrals of culturally and linguistically diverse students. However, there is limited empirical support for the relationship between CRT and instructional referrals, and even among existing studies there is inconsistency regarding the relation of these constructs. The purpose of this study is to examine teacher factors (i.e., teacher role, degree earned, years of teaching, ESL certification held, language proficiency and ethnicity) as a predictor of teacher competence, and the role these factors play in teachers' referral decision making. To investigate these relationships, a national sample of elementary teachers (N = 258) completed a survey addressing their background, profession endorsements, sense of teaching efficiency, and the instructional decisions they would make in the scenarios presented. The results of this study revealed that teacher role (i.e., general, ESL or special educator) and ESL certification were important predictors of teacher competency. A statistically significant mean difference in teacher competency was found between teachers with and without ESL certification, indicating ESL certification as an important factor in deciding the level of teacher competency. Finally, teacher competency was found to improve teachers' instructional decision making in scenarios in which the students displayed linguistic difficulties. The findings provide valuable insights to teacher training programs and other professional development entities regarding how to prepare educators to work more efficiently with ESL students.
Examination of Contributing Factors for Successful Postsecondary Transitions to Institutions of Higher Education for Youth with High-incidence Disabilities2015-03-08T17:44:37-05:00http://digital.library.unt.edu/ark:/67531/metadc500112/

Transitions are a natural part of life. Youth grow and develop physically, socially, psychologically, and intellectually during primary and secondary school years. The transition from secondary to postsecondary education is an important transition as youth not only move from high school to college, but also from adolescence to young adulthood. It is a time when young adults naturally desire to become more independent in pursuit of their personal dreams and aspirations. The purpose of this study was to examine the impact that academic, psychological, and social factors on youth with high-incidence disabilities as they strive to make successful postsecondary education transitions. Current trends indicate youth with high-incidence disabilities are graduating from high school and are attending vocational schools, colleges, and universities in increasing numbers. Transition barriers still limit many youth who could otherwise attend institutions of higher education regardless of disability type. Findings suggest academic and psychological factors most significantly predict successful postsecondary education transitions. Recommendations for improved transition planning and parental training are suggested.
A Study of Novice Special Education Teachers' Preparation to Teach Students with Autism Spectrum Disorders2015-03-08T17:44:37-05:00http://digital.library.unt.edu/ark:/67531/metadc500121/

The purpose of this study is to identify novice teachers' perception of their preparedness to teach a class designed for students with autism spectrum disorder (ASD) after graduation from a traditional university-based special education program or from a special education alternative certification program. Teacher preparedness and the need for highly qualified teachers of students with ASD are relevant topics, as the prevalence rate of ASD continues to increase. This phenomenological qualitative study explores novice teachers' perceptions of preparedness to teach students with ASD and their knowledge about teaching students with ASD. Semi-structured, in-depth interviews were conducted with six novice special education teachers of students with ASD. Results indicated that novice teachers of students with ASD have knowledge of autism and evidence-based practices (EBP), which they ascertained primarily through experiences such as; working directly with students with ASD, however, preservice education programs provided the participants with cursory information related to knowledge of ASD and EBP.
Exploring General Education Pre-service Teachers' Levels of Concern Regarding the Implementation of Response to Intervention2015-03-08T17:44:37-05:00http://digital.library.unt.edu/ark:/67531/metadc500138/

Schools are increasingly challenged to respond to educational initiatives, implement accountability measures, and incorporate standards-driven curriculum changes introduced by laws such as the Individuals with Disabilities Education Improvement Act (IDEIA) of 2004. IDEIA signified a shift in the field of education and intensified practitioners' concerns about the identification and instruction of students with learning disabilities (LD). The revisions to IDEIA proposed alternative models for the evaluation and identification of students with LD, such as response to intervention (RTI). RTI is an educational framework that supports students at-risk for academic failure by focusing on preventative measures. As teachers' roles evolve in response to innovations such as RTI, teacher preparation programs must adjust their focus and curriculum accordingly. A parallel mixed-methods design was used to explore 100 general education pre-service teachers' levels of concern regarding the implementation of RTI based on the concerns based adoption model. The sample for the study integrated general education pre-service teachers enrolled in professional development schools (PDS) at two levels of candidacy, PDS1 and PDS2. Data collected was analyzed utilizing canonical correlation analysis (CCA), multivariate analysis of variance (MANOVA), descriptive statistics, and thematic analysis. Results explain general education pre-service teachers' levels of knowledge had a negative relationship with the levels of concern, as these appeared to be higher due to teacher candidates' lack of knowledge. Qualitative findings supported this statement. Contributions to the literature are presented and may guide teacher preparation programs as they assess the readiness of their pre-service teachers to effectively implement RTI.
The Use of a Stimulus Control Transfer Procedure to Teach Spontaneous Manding to Children with Autism2014-11-08T11:56:31-06:00http://digital.library.unt.edu/ark:/67531/metadc407751/

Current research indicates that the inability to spontaneously communicate needs or wants may result in the acquisition of unconventional forms of requesting such as aggression and tantrums. This in turn limits the amount of access that students with autism have to neurotypical peers and social environments. The purpose of this study was to investigate the effect of using a stimulus control transfer procedure on the acquisition of spontaneous mands. Four school-aged children with autism, two boys and two girls, participated in the study. A multiple baseline design across participants was utilized to demonstrate a functional relation between the stimulus control transfer procedures and the rate of spontaneous mands. Measurement variables included the frequency of spontaneous versus multiply-controlled mands during discrete trial training on a variety of verbal operants. Effectiveness of the intervention was analyzed through visual analysis and the magnitude of effect was assessed through effect size. Visual analysis indicated that three of the four participants learned to spontaneously mand for items out of view and demonstrated generalization across targets, staff and environments. The effect size for three participants were large (d = 1.94; d = 2.2; and d = 1.4), whereas the outcome of intervention for one participant (d = 0.98) indicated moderate effect. The overall (d = 1.15) outcome demonstrated a large effect of the intervention on the rate of mands. Based on the results of this study, it is recommended that early and intensive behavior intervention programs for children with autism incorporate this type of procedure for socially significant outcomes.


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Love Triangle
Seedbank Bodhi
Genetics: Triangle Kush x Snow Lotus
Flowering time: 9-10 weeks
Height: Medium
Characteristics: 3 Flavours of Funk!
This one really surprised me, I thought it would be similar to the Goji OG, but with its own subtle differences. No
real lemon berry twang like the Goji OG, but instead, I got a full range of really unique phenos, from Plumeria OG
modules, to sparkling wild cherry Chemmy Playdoh spearheads, dumpster glue and Spearmint Kush nugglings. My
favourite pheno was as frosty as the Snow Lotus clone, with massive OG like nugs, and the most amazing muted cherry
Playdoh pepper Chem Kush aroma, with huge glistening stalked trichomes. If you like digging in the genetic treasure
chest for special ladies, this is a great line to explore with enough variation to please any palette, and the
potency to immobilize even the seasoned dankster.

subset: commoncrawl


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Diplomacy & defense
Israel's High Court of Justice ruled Monday in favor of a human rights organization's petition claiming the Palestinians who live in Area C of the West Bank, which is under full Israeli civil and security control, are discriminated against and excluded in matters of planning and building rights.
The State Prosecutor's Office claimed that the 300,000 Palestinians residents of Area C are not discriminated against and the Civil Administration promotes various plans for them, but the Court rejected the claim and ordered the state to submit, within 90 days, proposals to include the Palestinians in the planning procedures in Area C.
This is the first time the state will be obliged to allow Palestinians the same representation and say that Jewish settlers are given in the planning and zoning of their settlements in the West Bank.
In 2011 the village council of Ad-Dirat- Al-Rfai'ya located in the southern district of Hebron and Rabbis for Human Rights, along with several other human rights NGOs, submitted a petition to the Israeli Supreme Court against the Israeli Minister of Defense, the Israeli army's commander of the West Bank, the head of the Civil Administration and the High Planning Council requesting the reinstatement of a Palestinian local and district planning committees in Area C of the West Bank, which were revoked by force of Israeli military law in 1971.
The state argued Monday that any change to the 1971 military law will affect the fragile status quo in place since the signing of the Oslo Accord interim agreement in 1995.
State prosecutor Tadmor Etzion claimed the issue was a political one and therefore should only be decided in diplomatic talks between Israel and the Palestinian Authority.
"Matters such as: the granting of broad authorities, including the determination of the borders of localities, recognition of illegal building clusters, broad zoning changes, and the like, are topics the regulation of which should be carried out in the framework of the political contacts that exist between the State of Israel and the Palestinian Authority," the State argued.
Meanwhile, Israel's Communications Minister Gilad Erdan on Sunday said that Israel should begin "preparing for the declaration of Israeli sovereignty" over regions of Area C that have large Jewish populations.
Erdan's remark came after last week's announcement of an agreement between the PLO and the Hamas organization in Gaza for the establishment of a joint Palestinian government.


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Ducks, geese, swans | Birds stylized
Logo (figurative mark)
On 10. 1. 2002 the community trademark application no. 002530806 was filed (Figurative mark) by SWAROVSKI AKTIENGESELLSCHAFT before the OAMI.The goods and services in respect of which registration of the trademark was sought are in classes 14, 21 and 26. The current status of the trademark is registration expired.
Status is 'Registration expired'
The Community Trade Mark has not been renewed by the trademark owner and has therefore expired.
|23. 5. 2003
|Expiry date
|10. 1. 2012
|Nice classes
|14, 21, 26
You can follow this trademark. You will receive an email, whenever we detect changes of the trademark filing.
This service is for free. You can unsubsribve whenever you want. More information.


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Reviewed By Harold P (Greensboro, NC) Reviewed for a 2001 Dodge Dakota —8/2/2013 5:02 AM
This cover is exactly what I was looking for. It can be installed and removed in about a minute. It keeps the bed and it's contents dry and looks good on the truck. The canvas cover was worth the extra price because of the looks and it stays cooler to the touch than vinyl. The spring-loaded clips for the panel near the tailgate are too strong for my wife to use. It would be nice if she were able to operate the cover as well, but that is the only detractor I've found with this cover!


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Southern Illinois University Carbondale
- February 16, 2011
( 18)
SIUCMobile keeps you updated on all the latest University happenings on the go.
You can use the SIUCMobile app to get all of the latest news, find your way to class, and search the SIUC directory.
Athletics: Check out who won the game, when the next one is, or what's being said about it in the news. Scores, schedules, and news stories are all available through Athletics.
Maps: Can't remember the fastest route to the library? Maps helps you navigate campus with a detailed and interactive map of the University.
News: Get up-to-the-minute stories on anything you need to know about SIUC. News provides access to alumni, athletic, and general SIUC news coverage.
Pales in comparison to the iPhone app This app has 4 functions: A very useful campus map, a directory, athletics and a news section which is not updated as much. The iPhone version contains more options. Would also like to see a Honeycomb version (For Android Tablets) of the app, with Saluki Express maps, and Campus events. 3 stars for now... HTC EVO 3D
Ok app. It needs more features like a mobile salukinet
Would like more functionality and a change log with the updates. Too many permissions.
Ask for alot of permissions but not to bad. Go Salukis!
Might be the worst app on android


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About Homer
- About Facts and Figures Events & Activities City Calendar Library Events Recreation Events
- Library Public Safety Fire Police
- Parks & Recreation Campgrounds Parks & Facilities Trails
- Departments
- Office of the Mayor City Council Commissions and Boards Advisory Planning Cannabis Advisory Economic Dev. Advisory Library Advisory Parks & Recreation Advisory Port & Harbor Advisory
- City Clerk's Office Agendas and Minutes Committees & Task Forces ADA Compliance Public Safety Building Review Standing Committees
- Economic Development Open Budget Code of Ordinances Invitations to Bid & RFPs
- How Do I?
Collect sales tax?
How do I apply to collect and report sales tax?
Sales tax is collected through the Kenai Peninsula Borough. You can go to www.borough.kenai.ak.us and apply for your Certificate of Registration to Collect Sales tax.


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Free Safelist & Desktop Advertisingby Sudeepa Sujata Bhatt.
Free Safelist and Desktop Advertising... that Pays! At our Safelist, you can email thousands of prospects everyday 100% FREE and we will guarantee readers and traffic! Recommended Features
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Created on Sep 20th 2010 10:00. Viewed 1,347 times.
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Mike Brown looks at the Adobe "State of Create Study" [which] polled 5,000 people across the US, UK, Germany, France, and Japan regarding their perspectives on creativity across multiple dimensions of society.
The last slide >> "Social media plays a minor role, if any, in motivating people to create." Across the global study, only 11% of respondents said social media plays a "great deal" of a role in their creative motivation.
"If that's the case, people around the globe are really missing out on the incredible new opportunities for creative motivation presented by online and social media resources.
Via Jim Lerman


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Day Ranches
For a truly western experience spend a day or half day at a Day Ranch. With activities that range from playing horseshoes to learning to rope, a Day Ranch will let you be a participant in the western way of life.
K3 Day Ranch and Tours
Guests enjoy trick horse performances, a wild mustang tour, picnic lunch and hay ride. Open May 15 through October 15: daily, 8am-6pm. Call for pricing.
Cody - In town | (307) 587-2080 | Visit Official WebsiteView Details


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 is backordered. We will ship it separately in 10 to 15 days.
This bracelet promotes truth, wisdom, and the ability to see clearly. Healers use Lapis when parts of the body need to be purified and cleansed. It has been known to bring matters more clearly to the mind.
This bracelet is hand made by local artisans using all natural Lapis beads, an elastic band, and finished with our signature sterling silver BEAD RELIEF tag. Each bracelet is $35.00 and 25% of your purchase will be donated to the cause category of your choice!


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Picky Mom Approved Baby Essentials, Babywearing Classes and Cloth Diaper Workshops
Hard to please? Us too. That's why Yaya Baby Boutique carries only a very specific selection of our most favourite essentials. Each product has passed our rigorous test by our team of Picky Moms, and we know you'll love them just as much as we do. Pinky Swear!
We are passionate about cloth diapers and babywearing and are here to support you, too! Yaya Baby will help you navigate the ins and outs of cloth diapering and baby carriers with workshops and support from our trained staff.
We're based in beautiful North Vancouver, BC and ship all across Canada and the US with low flat rate shipping.
Thanks for stopping by!
No Events


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Ripoff Report | Complaints Reviews Scams Lawsuits Frauds Reported
Showing 1-1
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The investment banking business is all about client relationships, and the quality of the personnel of the institution. In terms of a pure play investment bank, there is no finer institution than Goldman Sachs (NYSE:GS) from a profitability standpoint. While the firm is not likely to win many popularity contests these days, Goldman Sachs is continuing to win market share from the dearth of pure-play investment banks, and from the pullback in European banks, due to their deleveraging process. Investment banking is not a business where I'd be interested paying multiples on book value, but at the right price, and with the strongest capital strength in my lifetime, I'd be more than willing to pay tangible book value or less for the preeminent investment banking franchise in the world. Three to five years from now Goldman Sachs and the other banks will be posting record profits and the regulatory environment will likely be more conducive due to the hard lessons learned, that a strong financial system is imperative to a robust U.S. economy in the modern era, and that a prolonged witch-hunt on your largest banks is not good for promoting lending or job growth. When this happens, market participants will likely be willing to pay 1.5-2 times book value, but instead of being the sheep following the herd, I'd urge you to look at Goldman Sachs and the other financials while there is still so much mistrust in the system.
In today's regulatory environment, capital, scale and deeply integrated client relationships are the keys to attaining a respectable return on equity in investment banking. Low-margins have already and will continue to push the weaker competitors to focus on different business lines. A perfect example is in the fixed income and commodities trading business where even a behemoth like UBS (UBS) simply finds the business uneconomical to maintain based on the return profile, and capital requirements. Regulators and politicians should think about this and consider the competitive fallout of breaking up the integrated banks. The United States has the strongest financial system in the world and why we would be willing to give that up in an era of outsourcing and robots performing human jobs makes no sense to me. The beauty of less competition is that ultimately it should create an oligarchy of leadership, which eventually will help margins, and bolster the semi-durable competitive advantages that a company like Goldman possesses. The strengths of Goldman are somewhat hidden due to the weak economic outlook that we have been in since the Great Recession. Every time that momentum has built there has been a panic that has caused things to slow down. This environment won't last forever and as Goldman Sachs and the other banks continue adjusting their business and cost structures, returns on equity will head towards the mid-teen range.
On April 16th, Goldman Sachs reported 1st quarter 2013 net revenues of $10.090 billion, which was up 1% YoY. Net earnings applicable to common shareholders were $2.188 billion, up 7% YoY. Earnings per diluted share were $4.29, which was up 9% from the same time last year. Total Investment Banking revenues were $1.568 billion in the quarter, up 36% YoY. Debt and equity underwriting were strong, but there was a 37% sequential decrease in M&A volumes, despite some big deals early in the year. Institutional Client Services revenue was $5.139 billion, down 10% from the same time last year. The quarter was mixed with strong equity and debt markets contrasted with a relatively weak macroeconomic backdrop. Investing and Lending revenues were $2.068 billion, up 5% YoY. Total Investment Management revenue was $1.315 billion, which was up 12% from the first quarter of 2012. The accrual for compensation and benefits expenses was $4.34 billion for the 1st quarter of 2013, and the ratio of compensation and benefits to net revenues was 43%, down 1% from 44% in last year's first quarter. Non-compensation expenses were $2.38 billion in the 1st quarter, which was roughly flat with last year. Annualized return on equity was a solid but not stellar 12.4%.
Goldman Sachs continues to strengthen its balance sheet with total capital of $244.24 billion, which consists of $77.23 billion in total shareholders' equity, and $167.01 billion in unsecured long-term borrowings. Total shareholders' equity includes $71.03 billion in common shareholders' equity and $6.20 billion in preferred stock. Book value per common share was $148.41 and tangible book value per common share was $138.62, both up around 3% from the end of the 4th quarter of 2012. On March 25th, 2013, Goldman Sachs announced that it had reached an agreement with Berkshire Hathaway (NYSE:BRK.A) (NYSE:BRK.B) where it will deliver the number of shares of common stock equal in value to the difference between the average closing price of the firm's common stock over the 10 trading days preceding October 1, 2013 and the exercise price of $115 multiplied by the number of shares of common stock ($43.5MM) covered by the warrant. During the 1st quarter, Goldman bought back 10.1MM shares of common stock at an average cost per share of $150.53, for a total cost of $1.52 billion. In addition, on April 15, 2013, the Board of Directors authorized the repurchase of an additional 75MM shares of common stock pursuant to firm's existing share repurchase program. Combined with the remaining share authorization, the total amount of stock Goldman can buy back is 86.4MM shares. I view this utilization of capital as being highly accretive based on Goldman Sachs's current stock price, so this could materially help grow both book value and earnings per share.
Source-GS 1st Quarter Financials Press Release here.
Goldman Sachs is one of the best capitalized banks in the world with a Tier 1 capital ratio of 14.4% and a Tier 1 common ratio of 12.7%, as of March 31, 2013. These numbers are lower than they were in the 4th quarter, but it is apples to oranges due to the revised market risk regulatory capital requirements, which became effective on January 1, 2013. The firm estimates its Basel III Tier 1 common ratio to be approximately 9%, putting it well on pace for its capital plans. The firm was carrying $174 billion of global excess liquidity as of the end of the 1st quarter, so if opportunities pop up, the company has the resources to capitalize on them. Total assets were $959 billion on March 31st, and level 3 assets were $46 billion, which represented 4.8% of total assets.
Based on 509.8MM shares outstanding and a recent price of $144.10, Goldman Sachs has a market capitalization of roughly $73.462. The stock trades at a discount to book value, which is likely to grow considerably due to retained earnings, and stock buybacks at a discount to book value. While I don't believe investors should pay a rich premium to own a bank, buying the best investment bank at a discount to book value, while it has the best balance sheet in its long and illustrious history, makes a lot of sense. If Goldman can compound common shareholders' equity per share by just 10% a year, which I think is exceptionally conservative, in ten years book value would be roughly $300, and I believe the stock would trade around that. In bull markets, most market participants tend to think they will compound at 20% a year, but in that 10-year time frame you are likely to see much higher interest rates and stock prices aren't cheap on an absolute basis. Obviously, there could be material upside beyond that when we see some real economic buoyancy. A 13% return on equity for the year would put earnings per share at just over $19, putting the forward earnings multiple at less than 8 times.
For investors looking to manufacture a cheaper price into the stock, you might consider selling the January 2015 $145 puts for about $21.50. This would create a breakeven of $123.50, which is a nice discount to tangible book value. Assuming the stock expires above $145, investors would make 17.4% on the maximum risk, or 10% on an annualized basis. Certainly dips in the overall market could potentially provide nice opportunities to dollar cost average as well. I'm currently not long Goldman Sachs simply because we are big in the other large banks, which trade at even cheaper prices, but I'd be a willing buyer at these levels over most opportunities that aren't currently in our portfolios.
Disclosure: I am long BRK.B. 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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| POVERTY DISEASES - New 'clinical partnership' to fight a triple plague
Six million deaths – that is the terrible toll suffered by Africans every year due to the ravages of Aids, tuberculosis and malaria. Yet most terrible of all is that this is an avoidable disaster, if only clinical research could develop treatment policies that are appropriate to the precarious living conditions of Africa's populations. Through the European and Developing Countries Clinical Trials Partnership (EDCTP), allocated funding of €600 million over five years, Europe is making an important and original contribution to combating these poverty diseases.
Deciding priorities
Approved unanimously by the European Council and Parliament in 2003, and officially launched this year by the Commission on 22 February in Dakar (Senegal), the EDCTP initiative is the fruit of a lucid analysis of the situation. While fundamental research to develop future vaccines against Aids or malaria is most certainly a necessity, given the terrible toll exacted by current pandemic diseases the first target must be effective treatment. Yet progress in this field often struggles to get beyond the stage of organising clinical trials for potential medicines or vaccines.
To ensure that any conclusions drawn have a sound scientific basis, clinical trials must respect very systematic procedures that require considerable resources and a medical scientific infrastructure of a very high standard. How many promising potential treatments against Aids, tuberculosis or malaria have failed to be explored in the context of African living conditions due to a lack of the necessary financing or organisation? What is more, international co-operation in this field too often produces "the construction of infrastructures showing no regard for local needs, thus bringing no public health benefits, the over-dependence of African countries on developed countries and the brain drain," says Dicky Akanmori of the University of Ghana, president of the EDCTP's Developing Countries Coordinating Committee.
The main problem currently facing the fight against diseases of poverty is therefore the fragmentation of the research effort and the enormous financial and technical difficulties of organising clinical trials in Africa. This is essentially the analysis that led to the creation of the EDCTP and which forms the basis of its action and its organisation. Its philosophy can be summed up in one word: partnership.
Targeting real needs
"Our needs lie mainly in the acquisition of new skills. Many care staff have no idea how to carry out a clinical trial in accordance with the criteria required by the international scientific community. We are more than 850 kilometres from the capital here and have to count on our local teams," says Doctor Leonard Maboko of the Mbeya Medical Centre (Tanzania). Allocated two-thirds of the €600 million available over five years (€200 million from the Union, €200 million from the partner states, and €200 million from other sources, private or international), the development of the material and human infrastructure needed for clinical trials in Africa will absorb the lion's share of the EDCTP's provisional budget.
Multiple partnerships
In addition to the North-South partnership, there is also the partnership between southern countries. Insufficient means of communication mean that promising experiences in certain parts of Africa – in preventing HIV infection in Uganda, for example, or treating opportunistic infections among Aids sufferers on the Ivory Coast – fail to receive the attention they deserve. The EDCTP is therefore working on setting up a network of African clinical research centres, operating through regular meetings, joint seminars and satellite connection systems.
The northern countries have also entered into a partnership among themselves, so as to avoid unnecessary duplication and regrettable competition between teams pursuing similar projects. One of the EDCTP's first tasks was to compile a register listing all the clinical trials in Africa that deal with Aids, tuberculosis and malaria as a basis for harmonising trial procedures.
Finally, there are the public-private partnerships. The pharmaceutical industry is often accused of ignoring poverty diseases because they lack profit potential. No doubt there is an element of truth in this criticism, but in a market economy it is difficult to ask companies to work at a loss. Hence, the EDCTP proposes to get round the problem by suggesting the co-financing of trials, to which companies could contribute either by providing the molecules tested free of charge or by granting preferential licences on some of their patents.
This list of partnerships would not be complete without mention of the close relations the EDCTP plans to establish with organisations pursuing similar aims (especially the United Nations Global Fund, the World Health Organisation, and the Bill and Melinda Gates Foundation) – proof that there can be no question of rivalry on such a serious subject.
Efficiency and ethics
Such a complex administrative machinery as that of the EDCTP is always going to suffer from some initial teething problems, especially when seeking to work in partnership with scientists from several dozen countries on two continents. Also, the regrettable and repeated controversies over the ethics of clinical trials in developing countries during the 1990s have not been without their consequences, certain scientists being accused of running trials under conditions that would be judged unacceptable in the industrialised world. The lessons of these controversial issues have now been learned and the EDCTP programme will not finance any project that has not been evaluated in ethical terms and authorised by the health authorities in the countries in question.
"The EDCTP attaches great importance to ethical considerations. Countries without them need to be encouraged to acquire ethical committees, develop the training of researchers, and provide them with on-line access to the necessary documentation," explains Souleymane Mboup of the Le Dantec Hospital in Dakar (Senegal), member of the EDCTP Partnership Board. In thus affirming the universal nature of medical ethics and working for research on disease and poverty to be undertaken by and for Africans, the European contribution through the EDCTP marks a major and noted change of tone in the fight against diseases of poverty.


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Alleged Boston Marathon bomber Dzhokhar Tsarnaev has just been charged with conspiring to use a weapon of mass destruction. But hey, it's important that we don't let that overshadow his achievements as a high school wrestling captain! At least that's what this tweet by Luke Russert suggests:
For the record, the word "beloved" doesn't appear anywhere in the article. Russert came up with that all on his own. How sweet.
What is with this creepy need to humanize a monster? What purpose could it possibly serve other than slapping victims' families and friends in their faces?
Absolutely reprehensible.
That's right. Martin Richard will never have a chance to go to high school.
Amanda Palmer urges empathy for bombing suspect Dzhokhar Tsarnaev
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text:
Shaved Ice
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3 players
Shaved Ice
How to play Shaved Ice
Click the chips two at a time to find all the fruit matches and stack this cone sky-high with flavored ice!
The fastest frigid fruity ice staker works from memory!
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Submissions for media credentials to cover the 10th Annual ACM Honors are now closed.


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Using the Modulus Operation with Bootstrap Grid
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Posted by grendzy on
This module allows you to upload an image in the menu-item's configuration form.
After uploading the image, the icon data will be added to the menu link's
options array.
When a menu link is goes through the theme layer, it will receive an extra
class which by default is used to attach the images as a background image to the
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In the near future we will provide usage of inline images as an optional
When Imagecache is installed, you can choose an imagecache preset for uploaded images.
A screenshot of the menu-edit form with menu_icons enabled is located here.
Incompatible Modules
- The 1.x branch of taxonomy_menu module is currently incompatible with Menu Icons, as that module overwrites menu_icon's data. Please use the 2.x branch of taxonomy_menu. (see #1437184: Menu Icons disappear after editing page for additional information)
- The devel_themer module is incompatible with menu_icons, and menu_icons will not work while it's enabled.
Project Information
- Maintenance status: Actively maintained
- Development status: Under active development
- Module categories: Content Display, Site Navigation
- Reported installs: 10,484 sites currently report using this module. View usage statistics.
- Downloads: 64,169
- Last modified: December 2, 2014
- Stable releases are covered by the security advisory policy.
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|tar.gz (12.68 KB) | zip (14.14 KB)


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Wine Rack Buying Advice
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My husband and I tried to put this together when we should have had a third person to balance the thing, even though we were using a table. It comes with nails to join the wood. Every time you pound a nail into it, the wood splinters. We might have had better luck forming the rack with toothpicks. Finally we used glue and a nail gun. It's wobbly,, rickety and so VERY overpriced for the quality. O.com said they would send us a return label to send it back but never did. A total waste of money. My suggestion? Buy a pair of shoes and drink the wine. It will make you feel so much more fulfilled.Read More
Do not recommend this it is unstable and too large of blocks for number of bottlesRead More
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England Women vs Australia Women, 1st ODI
Action in Images from the Women's Ashes series match at Lord's on August 20, 2013.
Australia Women won the ODI by 27 runs.
BRIEF SCORES: Australia Women 203 for 8 (Meg Lanning 56, Jodie Fields 32, Katherine Brunt 3-29, Laura Marsh 2-27) defeated England Women 176 in 47.3 overs (Charlotte Edwards 61, Heather Knight 25, Jess Jonassen 4-38, Erin Osborne 3-39).
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Action images from the second ODI played on January 19, 2017 at Cuttack. Scorecard More » India vs England, 2nd ODI at Cuttack
Action images from the first ODI played on January 15, 2017. Scorecard More » India vs England, 1st ODI at Pune
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It's Ishant Sharma's 28th birthday. Have you wished him? [CYCSPL]More » Ishant Sharma: Tall Of Fame
Mahendra Singh Dhoni has left an immeasureable legacy in Indian cricket. The records he has set will be immensely hard to match for any Indian captain in times to come. Take a look. More » Photos: Captain Cool's coolest moments
2016 saw some great servants of the game calling it a day. While some were past their prime, there were a few who had it in them to go on for a few years more, but instead opted to call it a day.
(With inputs from Sportskeeda) More » Photos: 5 cricketers we bid adieu to in 2016
Virat Kohli has equalled Azharuddin as India's third-most successful Test captain of all time. He now has 14 Test wins in 22 matches as captain. Mohammed Azharuddin also has 14 Test wins - only, he needed as many as 47 Test matches to get there. Take a look at the most successful Test captains in … More » Most Test wins as India captain
Action images from the fifth and final Test match at Chepauk. Scorecard More » India vs England, 5th Test in Chennai
The Indian all-rounder turned 35 on December 12.12.2016. Here's a pictorial look at his life and times in the public eye. More » Yuvraj Singh: Select Moments
Action images from the fourth Test match at Wankhede Stadium, played between December 8-12, 2016. Scorecard More » India vs England, 4th Test at Mumbai
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From Sunny to Kohli, these Indian captains believed in leading by example. More » Top 5 Highest Test scores by an Indian captain
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Bird Invader
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4 players
Bird Invader
How to play Bird Invader
Arrows = Fly X = Shoot
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TIPS NEEDED for NCLEX..
0 Hi everyone,
I will be taking my Nclex RN this feb 10. Im so nervous. I've had a review class here in chicago and I'm answering test questions in SAUNDERS. I just started answering Kaplan since almost all of the new RN's in here used KAPLAN. I've heard that most questions were SATA.. I am just NOT GOOD IN SATA..
Can anyone give me an overview of what kind of test and usual topics that we're asked in Nclex? like I've heard there's a lot of infectious diseases.. Is that all? I graduated 2008 and I just started my review last November. I dont think I can cover up everything by February...
Please.. Please.. somebody HELP!!!!Jan 25, '14 by ash.RN.The NCLEX can be over anything. Just do as many questions as you can before your test and make sure you go over any topics that you don't understand. For SATA questions I just used true or false to answer each statement. Know your infection control and know how to prioritize patients, I had a lot of that on the test. Good luck!Thanks a bunch ash!! Im really anxious these days. I dont know which topic to read first or if i should answer practice questions.
Thanks for your advice!!Jan 25, '14 by susie.davis.56Ncsbn has a 3 week review course with lots of questions that I used to prepare for my nclex this past week and I passed with 75 questions!!! Good luckJan 25, '14 by ash.RN.Quote from chesca19If you feel weak in content, then you should go over content. I studied one topic a day and did questions on it. Kaplan helped me a lot. I made sure to write down anything I didn't understand and went over it.Thanks a bunch ash!! Im really anxious these days. I dont know which topic to read first or if i should answer practice questions.
Thanks for your advice!!I dont think I will have time to finish the 3 weeks since I only have 15 days before my exam.. Was there a lot of questions in there that's similar with Nclex questions?Ok ash. By the way, did you have questions regarding Ekg and lung sounds??Jan 26, '14 by ash.RN.I had three EKG questions, so know your EKG's and the medications you would give for them. I didn't have any questions regarding lung sounds.Jan 26, '14 by chesca19Dang!!! Thats my weakest point.. guess i have to read that over and over again.. is your ekg from renal or cardio?Jan 26, '14 by givensummerDo you think ncsbn 3 week review course questions are similar to the real nclex questions? are they easier or harder than the real ones?Jan 26, '14 by susie.davis.56I found them to be quite comparable. I really think they helped me a lotJan 26, '14 by susie.davis.56You don't have to follow their map for the 3 weeks. I mainly used the site for the questions. It gives you over 1000 questions
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Queen Elizabeth Cruise Review by pietro202: Wonderful
Overall Member Rating
Destination: Baltic Sea
Embarkation: Southampton
We have just returned from a 7 night cruise of Norway and were sorry it could not have been 14 nights, it was wonderful. Having sailed previously on the Queen Mary2, What we got was what I expected, luxurious surrounds, excellent food, top class service, excellent roomy cabin and great entertainment. Cunard cater for the mature client and do not go in for climbing walls, wave machines etc., this was reflected by our fellow passengers, who on the whole were aged 40 upwards. My partner, who had never sailed on a Cunard ship before, was so impressed that she wanted to extend our stay.
The only disappointment of the cruise was the 'Party night', held in the Queens Room. The band, who usually played on an upper deck were very very loud, to the point that their music became just an uncomfortable noise. The organised party games were more suited to an 8 year old's birthday party. When I complained the next day to the Entertainment Director, I felt that I would have got a better More response by talking to the wall, she was clearly not interested in any opinion that was not her own.
Sailing down the Fjords was just spectacular and just has to be experienced to appreciate the beauty of this scenery.
Special thanks to all those involved in catering whether in the Britannia Restaurant or the Lido Buffet. The food and the service was faultless.
We are now planning our next trip for later this year. Less
Published 06/17/13
Read more Queen Elizabeth cruise reviews >>
Read Cruise Critic's Queen Elizabeth Review >>
Cabin review: EB1081 Oceanview
Large, comfortable cabin with an excellent steward who did a terrific job keeping the cabin spotlessly clean and fresh.Read All Oceanview (EB) Reviews >>
Average Break
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Wonderful voyage
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A very pleasant way to spend C...
Wonderful voyage
Every thing you wanted?
Great New Year on Queen Elizab...
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Caroline Brinson, who says she was born to be a Georgia Bulldog, is the definition of a student-athlete. Not only is she among the best college tennis players in the country, she's compiled an impressive resume of academic honors.
Andrew Johnson
Former Bulldog defensive back Andrew Johnson went on to pursue his medical degree at the Georgia Regents University/University of Georgia Medical Partnership, but that wasn't enough. He's taking a break from that to pursue an MBA at UGA before starting…
James Woglom
Jim Woglom, a Ph.D. student in art education, was named an outstanding teacher assistant last year, and he hopes his education will allow him to continue "making art every waking day."
Adrienne Madison
During her time as an engineering Ph.D. student, Adrienne Madison has touched the lives of many young, underrepresented students through her extensive mentoring and teaching activities.
Chase Mason
Chase Mason, a Ph.D. student in plant biology, enjoys spending most of his time in the lab or greenhouses, and he says UGA has provided the support he needs to fulfill his academic goals.
Ellen Clarke
When Ellen Clarke decided to go to law school, her decision to attend UGA was an easy one, she says. Now entering her final year, her experience has provided a clear path for her future.
Alexander Squires
As Alex Squires, a master's degree student in engineering, continues on his path of academic excellence, the world of robotics may never be the same.
George Pate
It was the reputation of the theater department faculty that drew Ph.D. student George Pate to UGA, and he has used the resources of the department wisely to hone his skills as a playwright and actor.
Johanna Mejia-Fava
Johanna Mejia-Fava is finishing her final year of residency at the College of Veterinary Medicine in her quest to fulfill her dream of a career in aquatic medicine, and despite the hectic schedule, she feels the experience has made her…
Melanie Harper
Melanie Harper, a philosophy graduate student with an eye for art, credits UGA for helping her find her purpose in life.


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