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Periodically calculate how much you spend. What better time to review your budget than at the start of a New Year? "It's really hard to [track your spending] each month, so aim for just once or twice a year," says Jill Boynton, a certified financial planner in Newington, New Hampshire.
Just be sure when you do it that you track everything. Boynton recommends filling out a spreadsheet with a month's worth of spending. Or you can try an online budgeting tool such as Mint.com (See our slide show: Which Budgeting Site is Best for You?). But note: Mint works best for those who deal mostly in plastic as opposed to cash. When you make an ATM withdrawal, the site labels the transaction as "Cash & ATM." Unless you diligently manage your cash transactions (you can manually edit Mint's labels), you can easily lose track of where the money goes.
The drudgery of tracking spending can pay off when you find surprising expenses you could easily cut. At the end of 2011, I crunched my own numbers and found that I shelled out about $200 a month at Starbucks and other restaurants. I'm sure I could cut that by at least half. That's like finding a $100 bill every month in my back pocket.
More Galleries on Kiplinger:
Quiz: Are You Saving Enough for Retirement?
Tax-Unfriendly States for Retires
On the Home Stretch to Your Retirement
Open a separate account to keep your hands off some of your cash. Use your checking account for regular expenses, including rent, utilities, food, clothing and even entertainment. But think of your savings account as off limits.
If you set up automatic transfers to your savings account, you won't even notice the money is missing from your checking account. And by paying yourself first, you avoid spending everything and having nothing left over to save.
It's true that living in a low-interest-rate world makes it harder for your savings to grow. Find banks offering the highest rates at Bankrate.com, and look for accounts with no required minimums and no fees. As of late January, Ally's savings accounts fit the bill, yielding 0.84% with no required minimums and no fees. Sadly, 0.84% qualifies as "high yielding" these days, but it's better than nothing, and it keeps your money secure. But, as Boynton notes, "with interest rates so low, you need to be saving even more."
Even if your salary is on the low end, you can always save at least a little bit. In fact, Susan Veligor, a certified financial planner in Portland, Maine, says the best way to start saving is with really small amounts that will eventually add up big time. For example, stash away just $25 a week, and in six months you'll have a cool $650. In a year, your cash pile will grow into $1,300. Plus, starting out slow and having small successes will reinforce the habit.
Play money mind games with yourself. Here's one: When you're spending money, don't just think about the price tag; also think about how much money you had to earn before taxes. The mind trick will force you to realize that you had to earn, say, $12 to pay for that $10 movie ticket.
Another savings trick: When you're budgeting, round down your income and round up your expenses. For example, if your phone bill is $92.37 per month, budget for $100. If your monthly income is $1,692.99, round down to $1,600. This move guarantees you'll live below your means and free up some money to save each month (Read: Just Say No to Extras to Save Money).
"It really is easy to spend nowadays," says Veligor. "You have to disconnect yourself from society [to avoid it]." One tactic that saves me a lot of money is finding time on the weekends to plan out my lunches for the week. Buying my lunch supplies on the weekend helps me avoid splurging for $10 or more each day on convenience foods. I also eat healthier this way.
Set savings goals. Having a worthwhile target in mind, such as a luxury vacation or (thinking more long-term) a happy retirement, will help you remember that saving is not about denying yourself what you want today; saving is really about working toward future rewards. Plus, with a specific number attached to your goal, you'll be forced to figure out how much you'll need to save each week and month to reach it by a certain date.
Seeding an emergency fund should take first priority for your savings. You should have at least three to six months' worth of living expenses, and the money should be risk-free -- that means savings accounts insured by the Federal Deposit Insurance Corp. -- and instantly accessible.
Facebook - A Timeline
The S&P 500's 10 Best-Performing Stocks of 2012 (so far)
7 Ways Inflation Will Hit Americans in 2012
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That Thing Goin
Features of This Trackelectronica roots
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a slow moving bass line
synth swoops
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The Krane AMG500-FD Carpeted Fork Deck allows for items with a small diameter, such as light stands or speaker stands, to be placed onboard the fork of the cart vertically without falling through during transport. The Fork Deck is a Puzzle Deck for smaller items which interlocks with the V-Cart Solo cart's shape and with other fork decks to prevent small or loose items from falling through.
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Rutland Testing Station Limited,4 Long Row. LE15 6LN
Rutland Testing Station Limited - MOT Test Centre.At motoring.co.uk, you can find all the information you require, including a selection of reviews and user experiences, on Rutland Testing Station Limited based in .
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Demon: Dre
(Tibet) the bringers of death and stand for everything harming.
Check Out Our Top 10 Demon Movies You Must See!
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Demons Total: 375
Hell Horror takes no responsibility for any views expressed about these spirits/gods and casts no judgement about any one's specific religion/beliefs. This page is meant strictly as reference material.


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Mobile App
SSCEW Madurai
St.Stephens College of Education for Women
Tamil Nadu
Total Students
Fees Range
How to reach
St.Stephens College of Education for Women is situated at Hosanna Mount, New Natham Road, Kadavur, Chatrapatti(P.O), Madurai-625 014. in Madurai.
Courses Offered
- 1 Years
- B.Ed.
- Languages / Arts / Literature
St.Stephens College of Education for Women - SSCEW Madurai - SSCEW
St.Stephen's College of Education for women which was started in the year 2006 in committed to serve the community particularly in the field of education through teacher education programmes. It is recognised by National Council for Teacher Education and affiliated to Tamilnadu Teachers Education University,Chennai. It is run by St.Stephens Educational Trust, Madurai-7. The College Campus is named as Hosanna Mount. It is situated at 11 Km from Madurai city in the Madurai-New Natham road and it is surrounded by beautiful hills. It is Committed to equip, motivate, and encourage the women candidates especially from rural background. Moreover it is glad to inform that it serves the visually/physically challenged students. About 12 visually/physically challenged girl students have got B.Ed degrees from our institution and they are serving Community at various levels. 2010-2011 is the 5th Batch of our institution and at present we have 100 students as intake for every year. We have excellent academic records .We are planning to have additional intake, M.Ed, M.Phil and research programmes. Apart from this Job oriented Diploma Courses also will be available in the near future.
Nearby Hangout
|Food & Entertainment
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Why join St.Stephens College of Education for Women
The college Library is the main source of books.
1 Type Courses Available
- 1 UG Courses
St.Stephens College of Education for Women Placements
St.Stephens College of Education for Women provides placement assistance to all its students. The dedicated placement cell regularly conducts grooming sessions of the students in areas like soft skills, interview facing skills, behavioral skills hereby making them industry-fit. In the recent years the college has witnessed some well known recruitment companies walking-in and being invited for campus placements.
Visiting Companies
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Very spacious Class Rooms are available, Very spacious library, the store house of knowledge, entertains and evokes enthusiasm among the students with its vast collection of books. A variety of journals are also within reach to assimilate and enhance awareness. Internet connection is available to students to keep abreast of the latest developments in all fields of study. Well equipped labs like Physical science, Biological science, computer, Language, Educational technology, Work experience labs etc, ensure 100% practical application of what is studied in theory.The vast play ground in the College enables students to have a good physique. Various athletic events will be conducted for aspiring sportsmen at Stephens .High quality cafeteria offers highly nutritional food at very nominal rates.Hostel accommodation is provided. The college is having well organised transportation facilities to cater to the needs of students from various locations.
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Traditions Collection Red & White Snowflake Holiday Christmas Kitchen Towels, 2-Pack
This item is currently out of stock.
Make the holidays jolly when you accent your kitchen with this charming towel set. Set includes one towel with a truck hauling a Christmas tree and the other with charming white snowflakes paired with a red background. This festive towel set in fun seasonal prints brings holiday cheer to your kitchen's décor.
- Christmas designs for festive fun in your kitchen
- Machine wash cold, gentle cycle with like colors
- Tumble dry low
- 25"L x 15"W
- Material: Cotton
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Located twenty miles east of the city of Portland, Oregon, and the northern Willamette River valley, the Mt. Hood National Forest extends south from the strikingly beautiful Columbia River Gorge across more than sixty miles of forested mountains, lakes and streams to Olallie Scenic Area, a high lake basin under the slopes of Mt. Jefferson. The Forest encompasses some 1,067,043 acres.
Visitors enjoy fishing, camping, boating and hiking in the summer, hunting in the fall, and skiing and other snow sports in the winter. Berry-picking and mushroom collection are popular, and for many area residents, a trip in December to cut the family's Christmas tree is a long standing tradition.
There are 189,200 acres of designated wilderness on the Forest. The largest is the Mt. Hood Wilderness, which includes the mountain's peak and upper slopes. Others are Badger Creek, Salmon-Huckleberry, Hatfield, and Bull-of-the-Woods. Olallie Scenic Area is a lightly-roaded lake basin that provides a primitive recreational experience.


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Since 1941100240attr:mattressessofas
Serving Portland Metro area since 1941. Over 10,000 square feet of furniture & mattresses. Click on our website to view samples of our huge inventory.
Sofas & Sleepers, Simmons Bedding Company, Recliners & Lift Chairs, Olympic Queen, Mattresses, Living Room & Bedroom Sets, Dining, DeepSleep, Curios, Clocks, Beautyrest, Backcare Kids
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This is a wonderful furniture store that has been in Gresham forever. It is loaded with different styles of furniture but is very small. You...
Amiton Furniture can be found at N Main Ave 202. The following is offered: Beds & Mattresses. The entry is present with us since Sep 10, 2010 and was last updated on Nov 14, 2013. In Gresham there are 3 other Beds & Mattresses. An overview can be found here.
This company offers furniture sales.


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Ditch the Lean Startup methodology, instead be innovative and take risks!
Often I heard many startup founders talk about lean startup, product market fit, minimum viable product, and on and on… I have always preferred the let's do it and see what happens approach. This is not to suggest that the lean startup methodology and others are not good, instead what I am suggesting is that the best ideas and businesses usually come up when you don't follow any one procedure or methodology but instead a mix of all of them. I am all for testing, iterating, getting faster to market, etc… However, if you want to start a business and achieve success, you do need to roll-up your sleeves and start getting things done. Startups need to be seen and treated as experiments, it is about doing things differently to find out what works and what doesn't. It is also important to know that there is not a silver bullet for success in business, and believing that you can achieve success just by following one business methodology is just silly.
There are two main type of entrepreneurs, those who talk about doing things and those who actually do them.
Unfortunately, entrepreneurs experience many distractions today that usually do not lead to anything good for their companies. For example, instead of spending time on building and selling their products many startup founders get stuck reading entrepreneurship books, blogs, forums, attending events, meetups, and the like which for the most part do not help them make their business better. Also, there are these other distractions such as getting funded, spending too much time meeting with investors, tweeting, reading TechCrunch and the like instead of building products or more importantly, selling a product or service… let's keep in mind that the main goal of a business is to sell a product for a profit big enough that allows the business to exists and expand if necessary.
When following patterns, rules, templates, methodologies, etc to build your business, you are limiting creativity and innovation, and the power to be different. While processes and following patterns are good for things that aren't necessarily in need of innovation, it is not what you want to do when designing a new application or creating a new business. For example, as part of starting a business you will need to incorporate, create a bank account, etc… these are the things that it is OK to do according to an existing process, because it involves many other people who are already prepared to follow a defined process following specific rules, etc. However, if you are designing a new application to solve an existing problem, you should aim for creativity and innovation instead. There is always room for improvement when developing a product and a business, if you just follow instructions on how to do it, creativity will not be part of the process and this is not what you want. Instructions, guides, manuals and the like are good when building furniture but not when you are trying to build something new and innovative.
A business should not be a machine that you can steer and control as a car, a business should reflect the personality and creativity of founders and the people who work in it
Let's go back to the Lean Startup topic to explain why I think it should be just another option for entrepreneurs that aren't really ready to try something new and accept the risk involved with it. The idea that startup success can be engineered by following a process that can be learned and taught sounds just silly. A business should not be a machine that you can steer and control as a car, a business should reflect the personality and creativity of founders and the people who work in it. A creative and innovative company cannot be made into a machine since it requires the creativity and naiveness of the people running the company, it needs to be different, it needs to be personal.
If you are the type of entrepreneur that spends more time reading books, going to events and tweeting, you should know that you are spending valuable time doing things that will more likely do nothing for your business. The advice given in books and blogs should always be seen as only one point of view, not a guide on how to run a business. Every business is different, every entrepreneur has a different background, a different goal, every customer buys a product for different reasons, etc. There is not a single method that will help you achieve success on your business, and if somebody tells you otherwise it is because they are trying to sell you a book or something like that.
In software development there are many methodologies and patterns, as a developer I have never followed all the rules as described in books and white papers, instead I just grab what I think is useful for the application I am building and ditch the rest. This works for me. Many developers are very religious about what methodologies and patterns to follow while writing code and this is something that I find interesting. Many of these developers aren't looking at the big picture, at the long-term goal, which is in most cases to create an application that will work well for many years without too much maintenance and doing what it was created for. Many believe that to achieve this goal, you do need to follow some methodology that somehow will work well for any development project or team… wrong. As in software development, many entrepreneurs fall into the idea that they need to either be a lean startup or not… I also find that very interesting. There is no reason to follow any methodologies or processes and hope that it is the right thing for your business or software application… why limit yourself to a specific set of rules. Do what you think is better for your business, use common sense and spend time in your business to find ways to make it better and achieve the goals that you want to achieve, no one knows better about your business or goals than yourself.
Entrepreneurship should be about trying new ways to create and offer new and existing products to customers.
It should also be a blank canvas for entrepreneurs willing to take risks and to show how existing procedures and products can be done differently in new and exciting ways. People that decide to become entrepreneurs often do it to liberate themselves from the corporate world, full of procedures, rules and red tape. And at the same time, a large group of these entrepreneurs start building businesses following a defined set of rules and methods which stops them from using their gut to build their businesses any way they want. In a way, these entrepreneurs are just employees of their own business, where is the fun on that!
There are exceptions of course, there are certain steps when building a business that if followed carefully, can make your life easier and move faster. Entrepreneurs can take what they think is useful for them and their unique situation and move on, do not waste time trying to make your company a perfect startup according to some book or methodology, instead try to follow your gut, get out of your safety bubble and start selling your product, go back to basics.
It is all about doing what you think is right for you and your business at the time. For some products or services, it might pay off if you actually build something first, and then present it to your potential customers, convincing them that what you just build is what they are looking for, it is called selling!
Many of you are thinking right this moment that if you create a product first without knowing what your customers really want you might end up spending several hours or months creating something that in the end no one wants, and my answer for that is yes, you are right, and that is a risk that some people will always be willing to take and others will not. No one really knows if a product will become successful or not, not one. I know that the idea of Lean Startup is not to waste time building something before knowing that someone will actually pay for it… I agree, however talking to potential customers and getting people to tell you that they will buy your product once you build it is also not a guarantee. Again, it is about trying different things, in some cases you can go with what customers are telling you and in other cases you just need to follow your gut, or scratch you own itch and just do it. Customers do not always know what they want.
Innovation is not born from building products based on customer feedback, innovation is the result of passionate people who have a vision.
There are companies that have almost always followed their own gut and build products based on the idea that people actually do not know what they want. Think of Apple computer. During the past few decades Apple has created products that have been both innovative and successful, they have also created products that haven't been well received by its customers. Do you believe that Apple will be as successful as its been if they followed the Lean Startup methodology or any other for that matter? How about Twitter? innovation is not born from building products based on customer feedback, innovation is the result of passionate people who have a vision.
Connor Montgomery
The reason the "Lean Startup" has gotten so much recognition and praise is due to the amount of research and success stories that have come out of it. It's a proven way to successfully create a business.
No offense, but this post is all hypothetical, and has zero hard facts. At it's best, it's just a rant. Which is fine, but it's not going to win anyone over from the Lean Startup, when that's been proven.
The last two examples are completely faulty. Apple has grown to be successful for a number of reasons (too many to list here, obviously), but probably the most significant is the sheer amount of iteration they do. They (Steve included) aren't just born geniuses that all of a sudden create product millions of people love. They iterate, and iterate, and iterate. That's lean.
Twitter was the same way. They realized twttr had potential on the web moreso than SMS, so they pivoted and brought it to the web. That's lean.
In the words of Yehuda Katz, "Lean" takes the "oh shit, we've got to change our plan", and builds that into the process via pivoting. Successful companies absolutely need vision like you said. But there is a fine line between vision and ignorance.
My two cents. Thanks for the article!
Adnan Siddiqi
Taking risk does not mean one jump off from every building. Risks should be calculated too. IMO Lean startup does give you chance to find early customers/or not a customer before you actually get into it. There's a difference between making a project and a product.
Ryan Critchett
I agree on many levels with what you're talking about. Of course, playing it as safe as you can (determining whether or not a product or service is viable and is bringing in money) is smart.
But, strict methodologies do limit creativity. I've "pivoted" in my company very recently, but I did it very naturally. Very instinctively and it was based on me, going out there with my business, and doing my business. Not testing my business.
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Nolan Clemmons (@Lord_Nolan)
"There are two main type of entrepreneurs, those who talk about doing things and those who actually do them."
False. An entrepreneur has to balance both of those. We have to blog, attend networking events, while simultaneously building products/services. We can't just spend all our time in the basement coding.
"Minimum Viable Product" is a good strategy for some, but not all , startups. Not everything can be built in 72 hours. Some have to go for the "Maximum desirable experience"
Gregory Nicholas
this post is money and dead on. creating a vision, and executing on that vision is not a manufacturing factory production process. it does take a series of different approaches to create that vision, and it needs external validation, but to execute on a good vision, it takes guts to build the product the way it needs to be. next time someone prescribes "let's build 'x', because it's faster and will someday lead to building 'y'" i'll fucking vomit.. if 'y' is the vision, and it's validated, and the team/tools are there, build 'y'. stop fucking around with mba's trying to insert them into a process they're not fit for.
Artie Gold
Perhaps, just perhaps, it's all about finding 'the box'. Sometimes you're outside the box, sometimes you're in the box. But the box itself is just a reference point, not a home.
Ideas like 'engineering and methodology' live inside the box, form the reference. And they are truly indispensable. They are also, as is their purpose, specifically limiting. On the other hand, art soars, but, like a kite without a tail, fails to produce value on its own (well, in most cases, anyway — and certainly not typically in a reasonable time frame).
So grow the box and get the minimal possible tail on that kite. Then fly.


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WEDDINGS; Lauren Rosenthal, Salvador C. Uy
Published: June 19, 1994
Lauren Abby Rosenthal, the daughter of Dan and Pamela Rosenthal of East Hampton, L.I., was married there yesterday to Salvador Castro Uy, a son of Mr. and Mrs. Antonio Uy of Jamaica Estates, Queens. Justice Katherine Cahill of the East Hampton Town and Village Court, officiated at the civil ceremony in the home of the bride's parents.
Ms. Rosenthal, 26, will keep her name. She graduated from the University of Chicago. Her father is retired as a banker at Manufacturers Hanover Trust in New York. Her mother is an insurance manager for CPC International in Engelwood Cliffs, N.J.
Mr. Uy, 29, graduated from Princeton University and received a law degree from Columbia University. He is a special assistant on administrative and regulatory affairs to Deputy Mayor Peter J. Powers of New York. His mother, Bernardina Uy, retired as a medical records abstractor for Mount Sinai Hospital in New York. His father is the chief of investigations for the United Nations in New York.


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Large light shades ceiling
June 24, 2016 | Ceiling Lights | No Comments|
On the page, there has been added a new beautiful photography large light shades ceiling, which you can place in your hotel bedroom or nursery. On the website WarisanLighting.com, there are provided various options for lighting your commercial premises or residential building.
All photos entries: large light shades ceiling - taken from open sources, if You want to buy one of these lamps, click on the banner to buy.


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Download Sister's Younger Husband (2016) 720p HDRip 550MB subtitle indonesia, Sister's Younger Husband (2016) 720p HDRip 550MB English subtitles 1 CD srt Sister's.Younger.Husband..HDTS.x264-NBY Sister's.Younger.Husband..BRRip.XviD.MP3-RARBG Sister's.Younger.Husband..BluRay.720p.x264.Ganool Sister's.Younger.Husband..1080p.BluRay.x264.ShAaNiG Sister's Younger Husband HD-CAM XViD HQMic AC3-CPG Sister's Younger Husband - Official Trailer 2 [HD] - YouTube Sister's Younger Husband - Trailer# 3 [HD]Movie Detail:
Genre : Drama, Romance Director: Park Eun-hoActors: Joo Ye-bin, Park Joo-bin, Wi Ji-WoongQuality: 720p HDRipEncoder: [email protected]Source: 720p HDRip H264-NWB
Country: South Korea
Subtitle: {subtitle}
A sexy brother-in-law approached her? And he's a younger man? Mi-yeon, who was adopted into her family when she was little, is living with her older sister, Si-yeon and Si-yeon's husband. Mi-yeon's desire towards her brother-in-law grows more and more every night when she gets to watch the affectionate interaction between her older sister and the brother-in-law. One day, Mi-yeon seduces her brother-in-law and the two end up crossing the line when they should not have. As the situation goes on, Mi-yeon finds out her older sister is also having affairs outside the marriage. Mi-yeon tries to clear up the relationship with her brother-in-law out of guilty feeling. However, she hears something shocking from the brother-in-law.


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Charitable donations for services
Charitable contributions are something that Americans are inclined to do a lot more so compared to citizens of virtually every country on earth. This remains in part a result of that the United States is the wealthiest country on earth as well as has the biggest per capita GDP each person of any of the big industrialized countries of the world. Being charitably inclined can mean offering one's time or their financial sources. In the case of monetary payments, charitable contributions can provide some economic preparing benefits that can affect an individual's estate and tax planning in a favorable means. To certify for these advantages, the payment must be made to a signed up 501(c)(3) organization, which is a qualifying standing the IRS provides to charitable companies.
One typical benefit tax savings of donating to a charity is the tax obligation reduction available which can be used against an individual's income tax liability. To take the reduction, you must make a list of reductions on your IRS form 1040 instead of take the conventional deduction. There are restrictions to this reduction. As a general rule, you can deduct a contribution of cash as much as 50% of your Adjusted Gross Income(AGI). When it comes to building, the limit is typically 30% of your AGI. In the situation of a donation of stock, mutual funds or property, the amount donated will certainly be based on the reasonable market price of the property at the time of the contribution.
Sometimes, the primary motivating motorist of the philanthropic payment is not always the immediate reduction in earnings tax responsibility, however instead the decrease in the size of an individual's taxed estate. This is specifically common when it comes to individuals who might have no direct beneficiaries or have an estate large enough that they have little concern for the successors being left in good financial condition after their passing. Estate preparing to restrict the exposure to estate taxes has ended up being significantly easier in recent times for the average American when reviewing their Federal Estate tax liability. The Applicable Exemption quantity for 2014 is $5.34 million. Due to the new guidelines allowing mobility, that is a joint credit history of greater than $10 million for a couple if an IRS 706 form is filed within nine months of the deceased passing. Nevertheless, when checking out the individual State regulations, the thresholds are not always so flexible. As an instance, in NY State any estate more than $1 million will have an estate tax levied that could vary as high as 16%. Furthermore, portability policies which enable you to claim a debt for your dead partner's Applicable Exemption do not use in the State of NY. Each state has their own tax legislation regarding the tax of an estate and/or an inheritance.
Those individuals that are charitably likely as well as would certainly like to see their assets hand down to what they may regard to be a worthwhile reason instead of the State or Federal Gov't need to consider some possible estate preparation techniques. Amongst them would be a Charitable Remainder Trust. These kinds of depends on are composed in more than one kind.
One such kind is called a Charitable Remainder Unit Trust (CRUT). Under this kind of depend on, the assets that are placed right into the count on will at some point most likely to the eligible philanthropic companies upon the termination of the depend on, which is frequently the death of the grantor of the assets. The count on is after that required to pay back to a non-charitable recipient (also commonly the grantor) a fixed percentage of the count on's assets every year till it is terminated. The termination of the trust can be caused by the fatality of the grantor or be based on a certain variety of years. This is a technique that allows the grantor to continuously were given income from the count on while eliminating the primary properties from their taxable estate to later on be paid to a charity. The payments are generally required to be in between 5%-50% of the trust properties.
Another technique is the Charitable Remainder Annuity Trust (CRAT). This depend on runs in a similar manner, but as opposed to repay a set percent of the count on properties annually, it pays a fixed annuity settlement of a particular dollar amount annually.
One more option is what is called a Net Income with Makeup Charitable Remainder Unit Trust (NIM-CRUT). When it comes to the NIM-CRUT, the trust fund also pays a set portion of the trust fund properties not to be much less compared to 5% back to the stated income beneficiary. If the trust fund properties produce much less earnings in a given year compared to the specified minimum percentage of the trust fund repayment, then the repayment is made as the minimal figure of income. The reason for this is that a NIM-CRUT does not allow the count on to attack the primary value of the investments for the objective paying the non-charitable beneficiary the yearly earnings settlements.
One more option offered is a Charitable Pooled Income Fund. In the instance of this sort of charitable contribution, the grantor pools his/her contribution with that of other capitalists. These sorts of funds are frequently developed by large economic establishments that take care of the properties for you or directly by a charity themselves. The disadvantages are that the investment alternatives are limited to those available in the fund as well as high minimal investments could be required. Additionally, while you could be reducing the cost of having to obtain a lawyer to compose a trust for you, you will incur the annual expense of the banks to take care of the pooled earnings fund on your part with very restricted financial investment options.
Another advantage related to each of these methods is that properties which are given away to any one of these forms of philanthropic depends on will certainly get rid of the resources gains analyzed on valued assets. Unlike a gift to a family member, close friend or some other non-charitable organization, the capital gain will not be imposed because the possession was given away in kind without having actually been marketed until it belonged to the count on. Considering that the charities which should be registered as 501(c)(4) charitable organizations are the best beneficiary of the donated assets, they are not subject to capital gains tax obligation.
An added method which was readily available is the use of Required Minimum Distributions (RMD). An RMD is a compulsory circulation that a private must extract from an IRA/401k/403b once they reach age 70 1/2. If the distribution from an IRA that is within the RMD amount is paid directly to a qualified charity, there is no income tax evaluated on the circulation approximately $100,00.00. This is called a Qualified Charitable Distribution. This was originally passed as part of the Pension Protection Act of 2006. The stipulation was readied to run out numerous times and also was repetitively extended. The stipulation expired in 2013, as well as it remains to be seen whether or not it will certainly be restored for 2014 as a benefit for charitable payments. In all cases, great document maintaining is a must how long to save tax records
These are a few of the commonly made use of estate preparing methods that could assist one reduce both their present and also future tax obligation liabilities, while still donating to a worthy source of their picking. Estate planning can be a very intricate subject, as well as should be taken seriously. It is something that each person should attend to with a proficient estate preparing lawyer that agrees to work in combination with their tax obligation consultant and monetary coordinator.


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Kuala Lumpur Airport Hotels (Near KLIA)
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Roland Gillett (1907–1963)
Roland Gillett was born on February 11, 1907 in Faversham, Kent, England. He was a producer and production manager, known for Captains of the Clouds (1942), Under Proof (1936) and Find the Lady (1936). He was married to Tamara Desni. He died in 1963 in London, England. See full bio »
Born:in Faversham, Kent, England, UK
Died:(age 55) in London, England, UK


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text: Turkish Journal of Zoology http://journals.tubitak.gov.tr/zoology/ Research Article Turk J Zool (2014) 38: 342-346 © TÜBİTAK doi:10.3906/zoo-1308-44 Length–weight relationships of 14 fish species from the Gulf of Antalya (northeastern Mediterranean Sea, Turkey) Yaşar ÖZVAROL* Department of Fisheries, Fisheries Faculty, Akdeniz University, Antalya, Turkey Received: 31.08.2013 Accepted: 17.12.2013 Published Online: 21.03.2014 Printed: 18.04.2014 Abstract: Length–weight relationships (LWRs) were determined for 14 fish species from the Gulf Antalya along the northeastern Mediterranean Sea coast of Turkey. Samples were collected using bottom trawl at depths varying from 25 to 150 m. The parameters a and b from the LWR formula W = aLb were estimated. The values of the exponent b of the length–weight relationships ranged from 2.513 to 3.465. Seven species (Pagrus pagrus, Pagellus erythrinus, Nemipterus randalli, Merluccius merluccius, Citharus linguatula, Chelidonichthys lastoviza, Spicara flexuosa) indicated negative allometries, 5 species (Serranus cabrilla, Mullus surmuletus, Mullus barbatus barbatus, Upeneus moluccensis, Saurida undosquamis) indicated positive allometries, and 2 species (Boops boops, Serranus hepatus) indicated isometries. Key words: Fish growth, marine fish, Gulf of Antalya, northeastern Mediterranean Sea 1. Introduction The relation between length (L) and weight (W) of fish is very important for estimating growth rates, age structures, and stock conditions; comparing life histories of fish species between regions; and assessing the condition of fish and other components of fish population dynamics (Petrakis and Stergiou, 1995; Binohlan and Pauly, 2000; King, 2007). This relationship is generally expressed by the equation W = aLb. In this formula, coefficient a describes body shape and coefficient b gives information about the balance of the dimensions. Values of b can be smaller than 3 (negative allometry = the fish grows faster in weight than in length), bigger than 3 (positive allometry = the fish grows faster in length than in weight), or equal to 3 (isometry) (Froese, 2006). There are many studies on the length–weight relationship (LWR) of fish along the coasts of Turkey, such as in the Marmara region (Tarkan et al., 2006; Keskin and Gaygusuz, 2010; Bök et al., 2011), the Black Sea (Demirhan and Can, 2007; Kalaycı et al., 2007; Ak et al., 2009; Yankova et al., 2011), the Aegean Sea (Moutopoulos and Stergiou, 2002; Koutrakis and Tsikliras, 2003; Filiz and Bilge, 2004; Karakulak et al., 2006; Özaydın and Taşkavak, 2006; Akyol et al., 2007; İşmen et al., 2007; Özaydın et al., 2007), and the Mediterranean Sea (Taşkavak and Bilecenoğlu, 2001; Çiçek et al., 2006; Sangun et al., 2007; Özcan, 2008), but there are no studies concerning the LWRs of the fish species of the *Correspondence: [email protected] 342 Gulf of Antalya. In the present study, the LWRs of 14 fish species from the Gulf of Antalya were determined. 2. Materials and methods The data from 14 species were collected monthly from the Gulf of Antalya (Figure) between September 2012 and June 2013. Samplings of fishes were made by a bottom trawl net having 44 mm mesh size (22 mm mesh size in the cod end). Trawl shots (1 haul per month) were performed at depths varying from 25 to 150 m for 2 h each time. Fish species were identified according to Whitehead et al. (1986) and Mater et al. (2003). All individuals were weighed (total wet weight) to the nearest 0.1 g and measured to the nearest cm in the laboratory of the research vessel. The relationship between length and weight were calculated using the formula W = aLb, in which W is the total weight (g) and L is the total length (cm). The parameters a and b were calculated by functional regression. The b value for each species was tested by t-test at the 0.05 significance level to verify that it was significantly different from isometric growth (Beverton and Holt, 1996; Çetinkaya et al., 2005; Froese, 2006). 3. Results and discussion A total of 3090 individuals of 14 fish species belonging to 9 families were sampled. The main abundance of samples belonged to the families Mullidae (55.1%), ÖZVAROL / Turk J Zool Figure. Map of the study area. Centracanthidae (14.2%), Sparidae (10.9%), Synodontidae (6.8%), Serranidae (5%), Nemipteridae (4.7%), Citharidae (1.4%), Gadidae (1%), and Triglidae (1%). The bestrepresented families were Mullidae and Sparidae with 3 species; Nemipteridae, Gadidae, Citharidae, Triglidae, Synodontidae, and Centracanthidae were represented only by 1 species each. The estimated parameters of LWR are given in Table 1. Values of the coefficient of determination (r2) varied from 0.810 [Upeneus moluccensis (Bleeker, 1855)] to 0.973 [Chelidonichthys lastoviza (Bonnaterre, 1788)]. The values of the exponent b of the LWRs ranged from 2.513 [Pagellus erythrinus (Linnaeus, 1758)] to 3.465 (Mullus surmuletus Linnaeus, 1758). The sample size ranged from 28 individuals for Chelidonichthys lastoviza to 1565 for Mullus barbatus barbatus Linnaeus, 1758. In this study, the growth type of 7 species [Pagrus pagrus (Linnaeus, 1758), Pagellus erythrinus, Nemipterus randalli (Russell, 1986), Merluccius merluccius (Linnaeus, 1758), Citharus linguatula (Linnaeus, 1758), Chelidonichthys lastoviza, Spicara flexuosa (Linnaeus, 1758)] indicated negative allometries (b < 3, P < 0.05), 5 species [Serranus cabrilla (Linnaeus, 1758), Mullus surmuletus, Mullus barbatus barbatus, Upeneus moluccensis, Saurida undosquamis (Richardson, 1848)] indicated positive allometries (b > 3, P < 0.05), and 2 species [Boops boops (Linnaeus, 1758), Serranus hepatus (Linnaeus, 1758)] indicated isometries (b = 3, P > 0.05). Table 1. Length–weight relationship parameters for fish species from the Gulf of Antalya. Pagrus pagrus Sparidae Pagellus erythrinus Boops boops 124 10–20.2 0.0139 2.821 3.300 0.876 P > 0.05 I Nemipteridae Nemipterus randalli 143 9.5–22 0.0120 2.975 4.457 0.937 P < 0.05 A- Serranidae b SE(b) r2 GT Species Gadidae N P Family L range a 127 9.5–19 0.0186 2.922 4.936 0.943 P < 0.05 A- 87 11.6–21.5 0.0511 2.513 5.036 0.946 P < 0.05 A- Merluccius merluccius 31 16–28.7 0.0096 2.899 7.012 0.946 P < 0.05 A- Serranus cabrilla 52 9–18.5 0.0091 3.048 3.246 0.960 P < 0.05 A+ Serranus hepatus 100 5.8-13.9 0.0288 2.732 2.272 0.728 P > 0.05 I Citharidae Citharus linguatula 44 8–19.2 0.0133 2.780 4.151 0.920 P < 0.05 A- Triglidae Chelidonichthys lastoviza 28 10.1–20.0 0.0272 2.638 3.521 0.973 P < 0.05 A- Mullus surmuletus 45 13.7–24.5 0.0029 3.465 7.915 0.948 P < 0.05 A+ Mullidae Mullus barbatus barbatus 1565 8.7–21.5 0.0071 3.165 6.302 0.894 P < 0.05 A+ Upeneus moluccensis 93 9.5–19.2 0.0053 3.231 3.913 0.810 P < 0.05 A+ Synodontidae Saurida undosquamis 211 11.5–35.5 0.0037 3.190 22.71 0.968 P < 0.05 A+ Centracanthidae Spicara flexuosa 440 9.0–17.3 2.655 3.531 0.816 P < 0.05 A- 0.0260 N: Number of specimens; L: total length (cm); a and b, relationship parameters; SD: standard deviation; SE(b): standard error of b; r2: coefficient of determination; P: P-value for t-test comparing differences for isometric growth (b = 3); GT: growth type; I: isometric, A+: positive allometric, A-: negative allometric. 343 ÖZVAROL / Turk J Zool The functional regression b value represents the body form, and it is directly related to the weight, affected by ecological factors (temperature, food supply, and spawning conditions) and other factors (sex, age, fishing time, area, and fishing vessels) (Ricker, 1973). Other studies have conducted research on the LWRs of identical species in different localities (Table 2). Growth types were found to be different for Pagrus pagrus, Pagellus erythrinus, Boops boops, Nemipterus randalli, Merluccius merluccius, Serranus cabrilla, Citharus linguatula, Chelidonichthys lastoviza, Mullus surmuletus, Mullus barbatus barbatus, and Spicara flexuosa. The differences of growth type and b values for the same species from different areas may be attributed to one or more factors: the season and effects of different areas, changes in water temperature and salinity, sex, degree of stomach fullness, gonad maturity, health, habitat, nutrition, food reserves, environmental factors, pollution, and differences in the number of specimens Table 2. Different growth types of the same fish species in other studies. Family Species Growth type A- A+ Pagrus pagrus Pagellus erythrinus Sparidae I Moutopoulos and Stergiou, 2002 Cherif et al., 2007 Ceyhan et al., 2009 Çakır et al., 2008 Moutopoulos and Stergiou, 2002 Cengiz, 2013 Sangun et al., 2007 Karakulak et al., 2006 Merella et al., 1997 Moutopoulos and Stergiou, 2002 Sangun et al., 2007 Ceyhan et al., 2009 Karakulak et al., 2006 Merella et al., 1997 Cherif et al., 2007 Merluccius merluccius Sangun et al., 2007 Bök et al., 2011 Karakulak et al., 2006 Ceyhan et al., 2009 Merella et al., 1997 Moutopoulos and Çakır et al., 2008 Stergiou, 2002 Cherif et al., 2007 Serranus cabrilla Çakır et al., 2008 Merella et al., 1997 Moutopoulos and Stergiou, 2002 Sangun et al., 2007 Bök et al., 2011 Karakulak et al., 2006 Cengiz, 2013 Serranus hepatus Çakır et al., 2008 Merella et al., 1997 Keskin and Gaygusuz, 2010 Sangun et al., 2007 Citharidae Citharus linguatula Sangun et al., 2007 Moutopoulos and Stergiou, 2002 Karakulak et al., 2006 Çakır et al., 2008 Merella et al., 1997 Triglidae Chelidonichthys lastoviza Moutopoulos and Stergiou, 2002 Mullus surmuletus Bök et al., 2011 Keskin and Gaygusuz, 2010 Maci et al., 2009 Merella et al., 1997 Karakulak et al., 2006 Moutopoulos and Stergiou, 2002 Mullus barbatus barbatus Merella et al., 1997 Moutopoulos and Stergiou, 2002 Cherif et al., 2007 Çakır et al., 2008 Karakulak et al., 2006 Çakır et al., 2008 Cengiz, 2013 Boops boops Nemipteridae Gadidae Serranidae Mullidae Nemipterus randalli Erguden et al., 2010 Sangun et al., 2007 Upeneus moluccensis Sangun et al., 2007 Synodontidae Saurida undosquamis Sangun et al., 2007 Ceyhan et al., 2009 Centracanthidae Spicara flexuosa I: Isometric, A+: positive allometric, A-: negative allometric growth. 344 Soykan et al., 2010 ÖZVAROL / Turk J Zool examined, as well as in the observed length ranges of the species caught (Tesch, 1971; Moutopoulos and Stergiou, 2002). Only the growth types of Saurida undosquamis and Upeneus moluccensis were similar to those of other studies. Fish samples in this study were caught over the course of 10 months. Because of this, these species are represented across all seasons. In this study, maximum length of some species (Boobs boops, Pagrus pagrus, Pagellus erythrinus, Merluccius merluccius, Mullus barbatus barbatus, Mullus surmuletus, Serranus cabrilla) were smaller than in other studies along the Mediterranean coast of Turkey (Karakulak et al., 2006; İşmen et al., 2007; Ceyhan et al., 2009). This can be explained by the choice of fishing gear, nets, and intense fishing in the Gulf of Antalya. The information in this study could be used as a reference for fisheries and stock management of fish populations in the Gulf of Antalya. Acknowledgments The work reported in this paper was partially supported by the Scientific Research Projects Coordination Unit of Akdeniz University, Project Number: 2011.01.0111.004. The author thanks Mehmet Gökoğlu, İmge Yılmaz, Hande Kazancı, and the captain and crews of research vessel "Akdeniz Su" and fishing vessel "Yosun" for their help during the field work. References Ak O, Kutlu S, Aydın I (2009). Length-weight relationship for 16 fish species from the Eastern Black Sea, Turkey. Turk J Fish Aquat Sci 9: 125–126. Akyol O, Kınacıgil HT, Şevik R (2007). Longline fishery and lengthweight relationships for selected fish species in Gökova Bay (Aegean Sea, Turkey). Int J Nat Eng Sci 1: 1–4. Beverton RJH, Holt SJ (1957). On the Dynamics of Exploited Fish Populations. London, UK: Chapman and Hall. Binohlan C. Pauly D (2000). The length-weight table. In: Froese R, Pauly D, editors. FishBase 2000: Concepts, Design and Data Sources. Manila, Philippines: ICLARM, pp. 131–134. Bök DT, Göktürk D, Kahraman A, Alıçlı T, Acun T, Ateş C (2011). Length-weight relationships of 34 fish species from the Sea of Marmara, Turkey. J Anim Vet Adv 10: 3037–3042. Çakır DT, Koç HT, Başusta A, Başusta N (2008). Length–weight relationships of 24 fish species from Edremit Bay, Aegean Sea. E-journal of New World Sciences Academy 3: 47–51. Cengiz Ö (2013). Length–weight relationships of 22 fish species from the Gallipoli Peninsula and Dardanelles (northeastern Mediterranean, Turkey). Turk J Zool 37: 419–422. Çetinkaya O, Şen F, Elp M (2005). Balıklarda büyüme ve büyüme analizleri. In: Karataş M, editor. Balık Biyolojisi Araştırma Yöntemleri. Ankara, Turkey: Nobel Kitap Dağıtım A.Ş, pp. 93–120 (in Turkish). Ceyhan T, Akyol O, Erdem M (2009). Length-weight relationships of fishes from Gökova Bay, Turkey (Aegean Sea). Turk J Zool 33: 69–72. Cherif M, Zarrad R, Gharbi H, Missaouf H, Jarboui O (2007). Some biological parameters of the red mullet, Mullus barbatus L., 1758, from the Gulf of Tunis. Acta Adriatica 48: 131–144. Çiçek E, Avşar D, Yeldan H, Özütok M (2006). 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Kalaycı F, Samsun N, Bilgin S, Samsun O (2007). Length-weight relationship of 10 fish species caught by bottom trawl and midwater trawl from the Middle Black Sea, Turkey. Turk J Fish Aquat Sci 7: 33–36. Karakulak FS, Erk H, Bilgin B (2006). Length-weight relationships for 47 coastal species from the Northern Aegean Sea, Turkey. J Appl Ichthyol 22: 274–278. Keskin Ç, Gaygusuz Ö (2010). Length-weight relationships of fishes in shallow waters of Erdek Bay (Sea of Marmara, Turkey). IUFS J Biol 69: 25–32. King MG (2007). Fisheries Biology, Assessment, and Management. 2nd ed. Oxford, UK: Blackwell. Koutrakis ET, Tsikliras AC (2003). Length–weight relationships of fishes from three northern Aegean estuarine systems (Greece). J Appl Ichthyol 19: 258–260. Maci S, Longo E, Basset A (2009). Length-weight relationships for 24 selected fish species from a non-tidal lagoon of the southern Adriatic Sea (Italy). Transit Waters Bull 3: 1–9. Mater S, Kaya M, Bilecenoğlu M (2003). 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Weight-length relationships for 33 fish species in Greek waters. Fish Res 21: 465–469. Soykan O, İlkyaz AT, Metin G, Kınacıgil HT (2010). Growth and reproduction of blotched picarel (Spicara maena Linneaus, 1758) in the central Aegean Sea, Turkey. Turk J Zool 34: 453– 459. Tarkan AS, Gaygusuz Ö, Acıpınar H, Gürsoy Ç, Özuluğ M (2006). Length-weight relationship of fishes from the Marmara Region (NW-Turkey). J Appl Ichthyol 22: 271–273. Taşkavak E, Bilecenoğlu M (2001). Length–weight relationships for 18 Lessepsian (Red Sea) immigrant fish species from the Mediterranean coast of Turkey. J Mar Biol Assoc UK 81: 895– 896. Tesch FW (1971). Age and growth. In: Ricker WE, editor. Methods for Assessment of Fish Production in Fresh Water. Oxford, UK: Blackwell Scientific Publications, pp. 98–103. Ricker WE (1973). Linear regressions in fishery research. J Fish Res Board Can 30: 409–434. Whitehead PJP, Bauchot ML, Hureau JC, Nielsen J, Tortonese E (1986). 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text:
Until yesterday, the phone-hacking row had failed to cause serious damage to the News of the World. Yet allegations that the newspaper hacked the phone of a murdered teenager have provoked outrage across the UK, prompting campaigns to hit the paper where it hurts: in the pocket.
Furious consumers bombarded companies from supermarkets and car makers to telecoms providers and banks with calls to withdraw advertising spending. Last night some of the biggest companies in the country began to respond, desperate not to see their family images tarnished as users of sites such as Mumsnet condemned the tabloid.
Equally damaging for Rupert Murdoch's newspaper will be the actions of Starcom MediaVest, a leading media advertising agency, which said yesterday that it was advising its clients not to spend money in the NOTW until the hacking matter was resolved.
The US car giant Ford was the first to reveal it had pulled all advertising at the paper, and others admitted they were urgently reviewing whether to follow. A Ford spokesman said last night that the company "cares about the standards of behaviour of its own people and those it deals with externally". Haven, the sister company to Butlins, said it was reviewing whether to spend with the NOTW as it did not want to affect its image as a "family company".
One company said customer reaction on sites such as Twitter and Facebook could decide whether it pulls its campaign. As companies looked to respond it became clear the NOTW faces a battle to keep its remaining advertisers.
Renault said it was booking no advertising with the newspaper, while the energy group nPower also said it was reviewing its options. A Virgin Media spokesman said the company was "keeping a close eye" on the situation.
Tesco told customers on its Facebook page: "We know that you have a lot of questions surrounding recent News of the World allegations. These latest allegations will cause huge distress to a family which has suffered enough. We await the outcome of the [police] investigation."
Angry customers hit out at Tesco's decision not to pull its advertising and one called for it to remove the paper from its stores. Robert Carroll, who said he lived close to the Dowler family, commented under Tesco's post: "You will find that your sales in this area will be hit in the next couple of weeks."
Companies were targeted by a campaign launched via Twitter. Several users drew up a list of NOTW advertisers and encouraged other users to question the brands about their plans to advertise in it.
The campaign was given a boost when it was posted on Mumsnet, the parenting website, whose users flocked to condemn the alleged actions of the newspaper. T-Mobile, which advertised heavily with the NOTW last week, has begun a review of its campaign.
A spokesman said the phone company had received thousands of tweets concerning the issue, and added: "The customers will have a real say in the outcome."
Chris Locke, group trading director of Starcom MediaVest, said: "We are advising all the clients that advertise [with NOTW] that if this carries on, they may want to ensure that they are nowhere near the title and if it extends across to the Sun at any point, then we will obviously take the appropriate action there too."
View from the clapham omnibus
Hacking Sienna Miller's phone to find out when she might next be seeing Jude Law was a little mischievous, people seemed to think. But hacking – and deleting – a dead girl's voicemail messages was a different matter. Commuters on the No 35 bus to Clapham, south London, were unanimous in their condemnation.
"There's a big difference between hacking a public figure or a celebrity and a normal person," said Fateh Lamine, 37.
Sarah Holborne, 64, said of the tabloid journalists responsible: "They should be fired. And everyone who the decision went through should be named and shamed. People are outraged because, morally, there's a difference in what they've done here."
Haroon Khan, 42, said: "What the News of the World has done is not acceptable in any civilised society."
- More about:
- Clapham
- Ford
- News Of The World
- Phone Hacking


text:
Got my day off during the super hectic weeks ever. Oh yes, all I need is holiday. Basking in the sun for a while and having my girlfriends around at the beach. I thought about Bali for couple times but then I realized that I still had thousands of islands in Indonesia that have not been reached by me. So some of my girlfriends and I decided to choose Belitong Island to spend our 3 days of weekend getaway. Nice trip anyway! Nice sea foods, nice view, everything is just too nice there! I highly recommend everyone to go to this beautiful Island.
Blue skies. All is blue as long as I see.
Be there for another picture post of Belitong!
Really can't wait for another trip :)
LoveMuach, Silvi.


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May 2017, Volume 48, Issue 4
- 859-892 Sources of time varying return comovements during different economic regimes: evidence from the emerging Indian equity market
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by Chi-Hsiou D. Hung & Anurag Banerjee & Qingrui Meng
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by Leonidas S. Rompolis & Elias Tzavalis
- 1003-1030 Diversification by the audit offices in the US and its impact on audit quality
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- 1031-1061 Diversification of pre-IPO ownership and foreign IPO performance
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by Imran Hussain Shah & Ahmad Hassan Ahmad
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by Sabri Boubaker & Dimitrios Gounopoulos & Antonios Kallias & Konstantinos Kallias
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by Ying Jiang & Shamim Ahmed & Xiaoquan Liu
April 2017, Volume 48, Issue 3
- 597-641 The joint determinants of cash holdings and debt maturity: the case for financial constraints
by Ivan E. Brick & Rose C. Liao
- 677-699 The role of investment banks on the impact of firm performance in mergers and acquisitions: evidence from the Asia-Pacific market
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- 701-724 How firms manage their cash flows: an examination of diversification's effect
by Thang Nguyen & Charlie X. Cai & Patrick McColgan
- 725-748 On the value and determinants of the interest tax shields
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- 789-818 Corporate governance, ownership structure and managing earnings to meet critical thresholds among Chinese listed firms
by Liona Lai & Henry Tam
- 819-848 The affine styled-facts price dynamics for the natural gas: evidence from daily returns and option prices
by Chih-Chen Hsu & An-Sing Chen & Shih-Kuei Lin & Ting-Fu Chen
February 2017, Volume 48, Issue 2
- 289-309 New evidence on the effect of belief heterogeneity on stock returns
by Jeffrey Hobbs & Hei Wai Lee & Vivek Singh
- 311-329 Recognized intangibles and the present value of growth options
by Michalis Makrominas
- 331-361 Financial investor sentiment and the boom/bust in oil prices during 2003–2008
by Ding Du & Xiaobing Zhao
- 363-383 Corporate taxes, capital structure, and valuation: Combining Modigliani/Miller and Miles/Ezzell
by Stefan Dierkes & Ulrich Schäfer
- 385-406 The R&D-abnormal return anomaly: a transaction cost explanation
by Paul Brockman & Dennis Y. Chung & Kenneth W. Shaw
- 407-439 Background risk in consumption and the equity risk premium
by Andrei Semenov
- 441-466 Do board interlocks motivate voluntary disclosure? Evidence from Taiwan
by Ann Ling-Ching Chan & Edward Lee & Jirada Petaibanlue & Ning Tan
- 467-502 Diversification benefits of risk portfolio models: a case of Taiwan's stock market
by Jing-Rung Yu & Wan-Jiun Paul Chiou & Jian-Hong Yang
- 503-525 The effects of firms' information environment on analysts' herding behavior
by Ryan D. Leece & Todd P. White
- 527-556 Home bias in portfolio choices: social learning among partially informed agents
by Wen-Lin Wu & Yin-Feng Gau
January 2017, Volume 48, Issue 1
- 1-30 The economic significance of CDS price discovery
by Vincent Xiang & Michael T. Chng & Victor Fang
- 31-56 Management of flow risk in mutual funds
by Martin Rohleder & Dominik Schulte & Marco Wilkens
- 57-81 Say it again Sam: the information content of corporate conference calls
by James Cicon
- 83-115 The return premiums to accruals quality
by Sati P. Bandyopadhyay & Alan Guoming Huang & Kevin Jialin Sun & Tony S. Wirjanto
- 117-152 Credit spreads and investment opportunities
by Tao Shen
- 153-190 Jumping over a low hurdle: personal pension fund performance
by Anastasia Petraki & Anna Zalewska
- 191-218 Has momentum lost its momentum?
by Debarati Bhattacharya & Wei-Hsien Li & Gokhan Sonaer
- 219-237 Setting the futures margin with price limits: the case for single-stock futures
by Chen-Yu Chen & Jian-Hsin Chou & Hung-Gay Fung & Yiuman Tse
- 239-263 Private equity managers' fees: estimation and sensitivity analysis using Monte Carlo simulation
by Dorra Najar
- 265-288 An analysis of working capital efficiency and shareholder return
by Greg Filbeck & Xin Zhao & Ryan Knoll
November 2016, Volume 47, Issue 4
- 897-917 Group affiliation and earnings management of Asian IPO issuers
by Roy Kouwenberg & Pipat Thontirawong
- 919-941 Dealers and changing obligations: the case of stub quoting
by Jared F. Egginton & Bonnie F. Ness & Robert A. Ness
- 943-971 Applications of simultaneous equations in finance research: methods and empirical results
by Cheng-Few Lee & Woan-lih Liang & Fu-Lai Lin & Yating Yang
- 973-986 Loan-commitment borrowing and performance-sensitive debt
by Sudipto Sarkar & Chuanqian Zhang
- 987-1002 Fiscal policy and the US stock market
by Cedric L. Mbanga & Ali F. Darrat
- 1003-1042 Comovements between Chinese and global stock markets: evidence from aggregate and sectoral data
by Thomas C. Chiang & Lanjun Lao & Qingfeng Xue
- 1043-1061 Stock prices, dividends, earnings, and investor sentiment
by Chung Baek
- 1063-1096 Corporate patents, R&D success, and tax avoidance
by Lei Gao & Leo L. Yang & Joseph H. Zhang
- 1097-1128 Measuring sovereign credit risk using a structural model approach
by Han-Hsing Lee & Kuanyu Shih & Kehluh Wang
- 1129-1165 Debt maturity and initial public offerings
by Yomna Abdulla & Viet Anh Dang & Arif Khurshed
- 1167-1186 Intraday jumps and trading volume: a nonlinear Tobit specification
by Fredj Jawadi & Waël Louhichi & Abdoulkarim Idi Cheffou & Rivo Randrianarivony
- 1187-1220 A PIN per day shows what news convey: the intraday probability of informed trading
by Thomas Pöppe & Michael Aitken & Dirk Schiereck & Ingo Wiegand
- 1221-1250 The association between integrated reporting and firm valuation
by Kin-Wai Lee & Gillian Hian-Heng Yeo
- 1251-1269 The performance of Taiwanese firms after a share repurchase announcement
by Chuan-Hao Hsu & Hung-Gay Fung & Yi-Ping Chang
- 1271-1302 Accounting quality, debt covenant design, and the cost of debt
by Charlene P. Spiceland & Leo L. Yang & Joseph H. Zhang
- 1303-1344 Decimalization, IPO aftermath, and liquidity
by Charlie Charoenwong & David K. Ding & Tiong Yang Thong
October 2016, Volume 47, Issue 3
- 453-474 Economic growth potential creating a real put and the resulting valuation of the firm
by Xiaoli Wang & Michael S. Long & Ren Raw Chen & Jingfeng Zhang
- 475-512 When noise trading fades, volatility rises
by Jinliang Li
- 513-541 CAR associated with SEO share lockups: Real or illusionary?
by Beng Soon Chong & Zhenbin Liu
- 543-563 Exploring the transitional behavior among value and growth stocks
by Gengnan Chiang
- 565-578 Option listing: market quality revisited
by Leonard L. Lundstrum
- 579-605 Further evidence on the explanatory power of spot food and energy commodities market prices for futures prices
by Phillip A. Cartwright & Natalija Riabko
- 607-643 Bank performance and executive pay: tournament or teamwork
by Peiyi Yu & Bac Luu
- 645-671 The dynamic relation between options trading, short selling, and aggregate stock returns
by R. Jared DeLisle & Bong Soo Lee & Nathan Mauck
- 673-697 Short-horizon event study estimation with a STAR model and real contaminated events
by Panayiotis C. Andreou & Christodoulos Louca & Christos S. Savva
- 699-732 Motives for corporate cash holdings: the CEO optimism effect
by Winifred Huang-Meier & Neophytos Lambertides & James M. Steeley
- 733-773 Investor perception of managerial discretion in valuing stock options: an empirical examination
by Chii-Shyan Kuo & Xu Wang & Shih-Ti Yu
- 775-795 Determinants of recent structural change for small asset U.S. credit unions
by Gregory McKee & Albert Kagan
- 797-833 Short selling and market mispricing
by Eunju Lee
- 835-856 The real option approach to adoption or discontinuation of a management accounting innovation: the case of activity-based costing
by Shu Feng & Chun-Yu Ho
- 857-884 Tunneling through related-party loan guarantees: evidence from a quasi-experiment in China
by Wei Huang
- 885-895 Recap of the 26th annual financial economics and accounting conference, November 6–7, 2015
by Cheng-Few Lee & Bharat Sarath
August 2016, Volume 47, Issue 2
- 213-247 Do liquidity and idiosyncratic risk matter? Evidence from the European mutual fund market
by Javier Vidal-García & Marta Vidal & Duc Khuong Nguyen
- 249-271 The pricing of first day opening price returns for ChiNext IPOs
by Qi Deng & Zhong-guo Zhou
- 273-303 Market share and risk taking: the role of collateral asset managers in the collapse of the arbitrage CDO market
by Thomas Mählmann
- 305-341 Sneaking in the back door? An evaluation of reverse mergers and IPOs
by Troy Pollard
- 343-368 Political connections, financial constraints, and corporate investment
by Chung-Hua Shen & Chih-Yung Lin
- 369-393 A comparison of alternative models for estimating firm's growth rate
by Ivan E. Brick & Hong-Yi Chen & Chia-Hsun Hsieh & Cheng-Few Lee
- 395-415 Dodd–Frank and risk in the financial services industry
by Aigbe Akhigbe & Anna D. Martin & Ann Marie Whyte
- 417-451 Alternative methods to derive option pricing models: review and comparison
by Cheng-Few Lee & Yibing Chen & John Lee
July 2016, Volume 47, Issue 1
- 1-28 On the prediction of financial distress in developed and emerging markets: Does the choice of accounting and market information matter? A comparison of UK and Indian Firms
by Evangelos C. Charalambakis & Ian Garrett
- 29-55 Using Google Scholar citations to rank accounting programs: a global perspective
by Jesse Y. Chan & Kam C. Chan & Jamie Y. Tong & Feida (Frank) Zhang
- 57-82 The impact of SEC investigations and accounting and auditing enforcement releases on firms' cost of equity capital
by Curtis Nicholls
- 83-108 The persistence of profits of banks in Africa
by Mohammed Amidu & Simon K. Harvey
- 109-128 Insider sales based on short-term earnings information
by Jonathan A. Milian
- 129-157 Diversification, gambling and market forces
by Marie-Hélène Broihanne & Maxime Merli & Patrick Roger
- 159-178 The impact of state ownership, formal institutions and resource seeking on acquirers' returns of Chinese M&A
by Min Du & Agyenim Boateng & David Newton
- 179-211 A new spread estimator
by Michael Bleaney & Zhiyong Li
May 2016, Volume 46, Issue 4
- 691-723 Credit line takedown and endogenous bank capital
by Bryan Stanhouse & Duane Stock
- 725-761 The extent of informational efficiency in the credit default swap market: evidence from post-earnings announcement returns
by Nicole Thorne Jenkins & Michael D. Kimbrough & Juan Wang
- 763-791 Dual-class versus single-class firms: information asymmetry
by Lucy Lim
- 793-818 Trading activities and price discovery in foreign currency futures markets
by Yu-Lun Chen & Yin-Feng Gau & Wen-Ju Liao
- 819-846 Excess of the PBO over the ABO and hard pension freezes
by Kun Yu
- 847-879 Conditional conservatism and the yield spread of corporate bond issues
by Mingzhi Liu & Michel Magnan
- 881-905 CFO gender and earnings management: evidence from China
by Yu Liu & Zuobao Wei & Feixue Xie
- 907-935 Explaining the volatility smile: non-parametric versus parametric option models
by Hsuan-Chu Lin & Ren-Raw Chen & Oded Palmon
April 2016, Volume 46, Issue 3
- 459-482 Pricing currency options under double exponential jump diffusion in a Markov-modulated HJM economy
by Mi-Hsiu Chiang & Chang-Yi Li & Son-Nan Chen
- 483-518 Analysing corporate insolvency in the Gulf Cooperation Council using logistic regression and multidimensional scaling
by Layla Khoja & Maxwell Chipulu & Ranadeva Jayasekera
- 519-541 Changes in analyst following for less covered firms accompanying Regulation Fair Disclosure: the roles of ability and industry experience
by Hueiling Chen & Cheng-Tsu Huang & Hsiou-Wei W. Lin
- 543-567 Contractual mutual fund governance: the case of China
by Jiong Gong & Ping Jiang & Shu Tian
- 569-604 The performance of individual investors in structured financial products
by Oliver Entrop & Michael McKenzie & Marco Wilkens & Christoph Winkler
- 605-631 A quality-based global assessment of financial research
by Nianhang Xu & Kam C. Chan & Chih-Hsiang Chang
- 633-660 Earnings management in the electric utility industry: profit incentives
by Shiyou Li & Emeka Nwaeze & Jennifer Yin
- 661-689 Capitalizing R&D expenses versus disclosing intangible information
by Mustafa Ciftci & Nan Zhou
February 2016, Volume 46, Issue 2
- 195-215 Auditor selection within a business group: evidence from Taiwan
by Yan-Jie Yang & Jungpao Kang & Ruey-Ching Lin & Joshua Ronen
- 195-215 Auditor selection within a business group: evidence from Taiwan
by Yan-Jie Yang & Jungpao Kang & Ruey-Ching Lin & Joshua Ronen
- 217-260 Abnormal real operations, real earnings management, and subsequent crashes in stock prices
by Bill Francis & Iftekhar Hasan & Lingxiang Li
- 217-260 Abnormal real operations, real earnings management, and subsequent crashes in stock prices
by Bill Francis & Iftekhar Hasan & Lingxiang Li
- 261-289 Reexamining momentum profits: Underreaction or overreaction to firm-specific information?
by Jungshik Hur & Vivek Singh
- 261-289 Reexamining momentum profits: Underreaction or overreaction to firm-specific information?
by Jungshik Hur & Vivek Singh
- 291-333 Post-IPO performance and its association with subscription cascades and issuers' strategic-political importance
by Paul B. McGuinness
- 291-333 Post-IPO performance and its association with subscription cascades and issuers' strategic-political importance
by Paul McGuinness
- 335-357 Innovation capability and post-IPO performance
by Re-Jin Guo & Nan Zhou
- 335-357 Innovation capability and post-IPO performance
by Re-Jin Guo & Nan Zhou
- 359-385 Institutional ownership composition and accounting conservatism
by Ling Lin
- 359-385 Institutional ownership composition and accounting conservatism
by Ling Lin
- 387-416 Prediction of open market share repurchases and portfolio returns: evidence from France, Germany and the UK
by Dimitris Andriosopoulos & Chrysovalantis Gaganis & Fotios Pasiouras
- 387-416 Prediction of open market share repurchases and portfolio returns: evidence from France, Germany and the UK
by Dimitris Andriosopoulos & Chrysovalantis Gaganis & Fotios Pasiouras
- 417-458 Cash flow volatility and corporate bond yield spreads
by Alan V. S. Douglas & Alan G. Huang & Kenneth R. Vetzal
- 417-458 Cash flow volatility and corporate bond yield spreads
by Alan Douglas & Alan Huang & Kenneth Vetzal
January 2016, Volume 46, Issue 1
- 1-24 REITs and market friction
by Benjamin Blau & Jared F. Egginton & Matthew Hill
- 1-24 REITs and market friction
by Benjamin Blau & Jared Egginton & Matthew Hill
- 25-45 Performance effects of appointing other firms' executive directors to corporate boards: an analysis of UK firms
by Alexander Muravyev & Oleksandr Talavera & Charlie Weir
- 25-45 Performance effects of appointing other firms' executive directors to corporate boards: an analysis of UK firms
by Alexander Muravyev & Oleksandr Talavera & Charlie Weir
- 47-77 Pre-evaluating technical efficiency gains from possible mergers and acquisitions: evidence from Japanese regional banks
by George E. Halkos & Roman Matousek & Nickolaos G. Tzeremes
- 47-77 Pre-evaluating technical efficiency gains from possible mergers and acquisitions: evidence from Japanese regional banks
by George Halkos & Roman Matousek & Nickolaos Tzeremes
- 79-106 The day the index rose 11 %: a clinical study on price discovery reversal
by Christoph Schmidhammer & Sebastian Lobe & Klaus Röder
- 79-106 The day the index rose 11 %: a clinical study on price discovery reversal
by Christoph Schmidhammer & Sebastian Lobe & Klaus Röder
- 107-122 Effects of frequent information disclosure: the case of daily net asset value reporting for closed-end investment companies
by Gary McCormick & Dan W. French
- 107-122 Effects of frequent information disclosure: the case of daily net asset value reporting for closed-end investment companies
by Gary McCormick & Dan French
- 123-140 Does free cash flow problem contribute to excess stock return synchronicity?
by William Mingyan Cheung & Li Jiang
- 123-140 Does free cash flow problem contribute to excess stock return synchronicity?
by William Cheung & Li Jiang
- 141-177 Corporate governance, SFAS 157 and cost of equity capital: evidence from US financial institutions
by Hua-Wei Huang & Mai Dao & James M. Fornaro
- 141-177 Corporate governance, SFAS 157 and cost of equity capital: evidence from US financial institutions
by Hua-Wei Huang & Mai Dao & James Fornaro
- 179-193 A theory of underwriters' risk management in a firm-commitment initial public offering
by Edmund H. Mantell
- 179-193 A theory of underwriters' risk management in a firm-commitment initial public offering
by Edmund Mantell
November 2015, Volume 45, Issue 4
- 665-693 Using equity premium survey data to estimate future wealth
by Mark Freeman & Ben Groom
- 695-719 The effect of stochastic interest rates on a firm's capital structure under a generalized model
by Chuang-Chang Chang & Jun-Biao Lin & Chun-Chieh Yang
- 721-755 Operational restructurings: where's the beef?
by Mary Hill & Peter Johnson & Kelvin Liu & Thomas Lopez
- 757-784 'Other information' as an explanatory factor for the opposite market reactions to earnings surprises
by Vincent Chen & Samuel Tiras
- 785-801 Credit card balances and repayment under competing minimum payment regimes
by Timothy Crack & Helen Roberts
- 803-818 Are aggregate corporate earnings forecasts unbiased and efficient?
by Bruno Deschamps
- 819-844 A framework for assessing comprehensive income risk exposure over varying time horizons
by James Cataldo
- 845-869 Forecasting bankruptcy for SMEs using hazard function: To what extent does size matter?
by Jairaj Gupta & Andros Gregoriou & Jerome Healy
October 2015, Volume 45, Issue 3
- 463-483 R-2GAM stochastic volatility model: flexibility and calibration
by Cheng-Few Lee & Oleg Sokolinskiy
- 485-508 Individual investor trading and stock liquidity
by Qin Wang & Jun Zhang
- 509-539 Determinants of the length of time a firm's book-to-market ratio is greater than one
by Mitchell Oler
- 541-559 Intra-industry effects of negative stock price surprises
by Aigbe Akhigbe & Jeff Madura & Anna Martin
- 561-590 Firm growth and the pricing of discretionary accruals
by Ashok Robin & Qiang Wu
- 591-608 Capital valuation and sustainability: a data programming approach
by Jason West
- 609-639 Bank executive compensation structure, risk taking and the financial crisis
by Lin Guo & Abu Jalal & Shahriar Khaksari
- 641-663 The implied growth rates and country risk premium: evidence from Chinese stock markets
by Pengguo Wang & Wei Huang
August 2015, Volume 45, Issue 2
- 251-278 Daily volume, intraday and overnight returns for volatility prediction: profitability or accuracy?
by Ana-Maria Fuertes & Elena Kalotychou & Natasa Todorovic
- 279-304 The stock market valuation of intellectual capital in the IT industry
by Hung-Chao Yu & Wen-Ying Wang & Chingfu Chang
- 305-335 Governance provisions and managerial entrenchment: evidence from CEO turnover of acquiring firms
by Tatyana Sokolyk
- 337-362 Testing index-based models in U.K. stock returns
by J. Davies & Jonathan Fletcher & Andrew Marshall
- 363-405 Alpha–beta–churn of equity picks by institutional investors and the robust superiority of hedge funds
by Richard Chung & Scott Fung & Jayendu Patel
- 407-434 Political connections and agency conflicts: the roles of owner and manager political influence on executive compensation
by Shujun Ding & Chunxin Jia & Craig Wilson & Zhenyu Wu
- 435-454 Pricing under noisy signaling
by David Feldman & Charles Trzcinka & Russell Winer
- 455-461 Recap of the 25th annual financial economics and accounting conference, November 14–15, 2014
by Cheng-Few Lee & Siva Nathan & Vikas Agarwal
July 2015, Volume 45, Issue 1
- 1-32 Earnings quality, internal control weaknesses and industry-specialist audits
by Bikki Jaggi & Santanu Mitra & Mahmud Hossain
- 33-58 Does corporate governance affect the relationship between earnings management and firm performance? An endogenous switching regression model
by Hui-Wen Tang & Chong-Chuo Chang
- 59-88 Dynamic stock–bond return correlations and financial market uncertainty
by Thomas Chiang & Jiandong Li & Sheng-Yung Yang
- 89-110 Exchange traded funds, size-based portfolios, and market efficiency
by Palani-Rajan Kadapakkam & Timothy Krause & Yiuman Tse
- 111-135 Some characteristics of an equity security next-year impairment
by Julien Azzaz & Stéphane Loisel & Pierre-E. Thérond
- 137-173 The impact of large public sales of Government assets: empirical evidence from the Chinese stock markets on a gradual and offer-to-get approach
by Yan Zeng & Josie McLaren
- 175-213 Value exploration and materialization in diversification strategies
by Mark Holder & Aiwu Zhao
- 215-249 Optimal portfolio choice with asset return predictability and nontradable labor income
by Hui-Ju Tsai & Yangru Wu
May 2015, Volume 44, Issue 4
- 581-608 Litigation risk, information asymmetry and conditional conservatism
by Zhefeng Liu & Fayez Elayan
- 609-643 Underwriter reputation and pricing of risk: evidence from seasoned equity offerings
by Cathy Cao & Chongyang Chen & Joyce Wang
- 645-668 A comparison of earnings persistence in high-tech and non-high-tech firms
by Sung Kwon & Jennifer Yin
- 669-700 Earnings announcements, trading volume, and price discovery: evidence from dual class firms
by Qin Wang & Hsiao-Fen Yang
- 701-732 Relative performance evaluation, pay-for-luck, and double-dipping in CEO compensation
by Carlos Jiménez-Angueira & Nathan Stuart
- 733-754 A methodology for computing and comparing implied equity and corporate-debt Sharpe Ratios
by Robert Goldberg
- 755-789 Foreign exchange option pricing in the currency cycle with jump risks
by Chien-Hsiu Lin & Shih-Kuei Lin & An-Chi Wu
- 791-815 Stock manipulation and its effects: pump and dump versus stabilization
by Yu Huang & Yao Cheng
April 2015, Volume 44, Issue 3
- 393-423 Network centrality and mergers
by Mufaddal Baxamusa & Saima Javaid & Khadija Harery
- 425-444 Local volatility calibration during turbulent periods
by Konstantinos Skindilias & Chia Lo
- 445-471 Effect of information disclosure and transparency ranking system on mispricing of accruals of Taiwanese firms
by Hsien-Li Lee & Hua Lee
- 473-492 The explanatory power of representative agent earnings momentum models
by William Forbes & Aloysius Igboekwu
- 493-511 Do dividends signal future earnings in the Nordic stock markets?
by Eva Liljeblom & Sabur Mollah & Patrik Rotter
- 513-549 The geography of US auditors: information quality and monitoring costs by local versus non-local auditors
by Kevan Jensen & Jin-Mo Kim & Han Yi
- 551-572 Informed trade and idiosyncratic return variation
by Moonsoo Kang & Kiseok Nam
- 573-580 Recap of the 24th annual financial economics and accounting conference, November 15–16, 2013
by Cheng-Few Lee & Jeffery Abarbanell & Adam Reed
February 2015, Volume 44, Issue 2
- 191-212 Workforce diversity and shareholder value: a multi-level perspective
by Kimberly Ellis & Phyllis Keys
- 213-242 Level of efficiency in the UK equity market: empirical study of the effects of the global financial crisis
by Taufiq Choudhry & Ranadeva Jayasekera
- 243-267 Growth options, option exercise and firms' systematic risk
by Nicos Koussis & Michalis Makrominas
- 269-298 Did Bank Indonesia cause the credit crunch of 2006–2008?
by Gandjar Mustika & Enny Suryatinc & Maximilian Hall & Richard Simper
- 299-327 Economic benefits and determinants of extreme dependences between REIT and stock returns
by Meichi Huang & Chih-Chiang Wu
- 329-352 The impact of internet-based services on credit unions: a propensity score matching approach
by Elisabeta Pana & Sascha Vitzthum & David Willis
- 353-378 The impact of banking relationships, managerial incentives, and board monitoring on corporate cash holdings: an emerging market perspective
by Hai-Chin Yu & Ben Sopranzetti & Cheng-Few Lee
- 379-391 On the use of the market model R-square as a measure of stock price efficiency
by Riccardo Bramante & Giovanni Petrella & Diego Zappa
January 2015, Volume 44, Issue 1
- 1-24 An evaluation of alternative methods used in the estimation of Gaussian term structure models
by Januj Juneja
- 25-40 Revisiting the relationship between risk and return
by Farooq Malik
- 41-67 Earnings management and government restrictions on outward foreign direct investment: evidence from Taiwanese firms
by Rong-Ruey Duh & Audrey Hsu & Sidney Leung
- 69-88 An analysis of co-movements in industrial sector indices over the last 30 years
by Jon Poynter & James Winder & Tzu Tai
- 89-111 Evaluation of conducting capital structure arbitrage using the multi-period extended Geske–Johnson model
by Hann-Shing Ju & Ren-Raw Chen & Shih-Kuo Yeh & Tung-Hsiao Yang
- 113-138 Corporate governance and default risk of firms cited in the SEC's Accounting and Auditing Enforcement Releases
by Zhiyan Cao & Fei Leng & Ehsan Feroz & Sergio Davalos
- 139-159 Beyond friendly acquisitions: the case of REITs
by Chiuling Lu & Tzujui Mao & Yang-pin Shen
- 161-189 On the aggregation of credit, market and operational risks
by Jianping Li & Xiaoqian Zhu & Cheng-Few Lee & Dengsheng Wu & Jichuang Feng & Yong Shi
November 2014, Volume 43, Issue 4
- 651-682 Boards, takeover protection, and real earnings management
by Wenxia Ge & Jeong-Bon Kim
- 683-720 Internal control quality and information asymmetry in the secondary loan market
by Dina El-Mahdy & Myung Park
- 721-750 Markowitz efficiency and size effect: evidence from the UK stock market
by Tienyu Hwang & Simon Gao & Heather Owen
- 751-779 A noise-robust estimator of volatility based on interquantile ranges
by Jin-Huei Yeh & Jying-Nan Wang & Chung-Ming Kuan


text:
- Card Style:
- Folded
- Card Size:
- 4⅞" x 3⅜", folded
- Paper Quality:
- Medium
- Printing Technique:
- Thermography (raised)
- Manufacturing Time:
- 3 days + shipping
- Manufacturer:
- Checkerboard, Ltd.
Additional InformationThe designer of this item selected:
- Ink Color:
- Black
It's important to say thank you to all your wedding guests for what they've done for you and your unforgettable wedding celebration. Choose our classic and elegant Ruffled Thank You Note to write a note of your gratitude beautifully.
Personalize your thank you cards with your choice of fonts and ink colors. Wallet flap envelopes will come with your order and can be upgraded with full length liner.
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How it's Made
Thermography is a contemporary form of raised printing that creates a visual and tactile impression. A clear powder is dusted onto the flat ink of lithography just after it is printed, then heated with the result being a rich raised effect. A wide array of papers are available in various textures, finishes and sheens. The combination of papers and raised ink makes thermography stand out.


text:
There has never been a shortage of hora-chair commentary on the New York Times Weddings & Celebrations section, and it's not hard to see why: New York is the status-consciousness capital of our status-conscious culture, and this makes the Times's wedding s... When Harvard Met Sally: N-gram Analysis of the New York Times Weddings Section - Todd W. Schneider
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