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Charlie Munger Fortune Interview - 'Banks May Get in Trouble Again'
Posted by: Canadian Value (IP Logged)
Date: May 6, 2013 05:01PM
Berkshire (BRK.A)(BRK.B) has an enormous amount of money invested in Wells Fargo (WFC) and Goldman Sachs (GS), so the health of big banks is of great interest to Warren and Charlie.
In this interview Charlie says that he thinks the big banks should be more heavily regulated and simplified.
Allowing deposit taking banks to have derivative books was an horrific error.
Charlie thinks the temptation is too great for bankers who aren't regulated enough. He believes that the trading books are what get the banks in trouble.
There is no pending banking crisis, but eventually the banks with derivative books will get themselves back into trouble.
Stocks Discussed: BRK.A, BRK.B,
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DNA PhotographicPhotographer Male Eugene, Oregon, US
My Website: Studio WebsiteMy MM URL: http://www.modelmayhem.com/DNA
Mayhem # 380603
About Me
About Me
I have been working professionally in photography for over 40 years now, and have a personal portfolio that spans commercial, architectural, nature, figurative, portrait and, of course, modeling (which is why we're all here!).
I love working with models doing the portfolio expansion / development side of things and assisting them in getting started in the industry. While it is true that you don't need professional photos to get into the business, the adage about "You only get one chance to make a good first impression" certainly applies in this industry.
What We Do
We do traditional (as in portraits for families and seniors) and exciting work (as in modeling sessions, product shoots, advertising work, etc) here, but occasionally I look for models with a particular "look" that works with a photo that I want to do. As it also sometimes happens, a customer wants to have a model in a product session but doesn't have a model in mind, and we can refer someone that we have worked with. When a client is involved, it is always assumed that you will be getting paid for your time.
I do some TFP/CD work, as I like keeping busy, and if the schedule permits it, I will accept models wanting TFP/CD sessions. I prefer to keep a MUA/HS at all sessions unless we are just doing test shots. If we aren't shooting for portfolio-quality work, we're just wasting each others' time. If you want a specific MUA/HS, and they aren't willing to work with you on a TFP/CD basis, it is assumed that you will be paying for the MUA/HS of your choice. if I have requested you to come in for a TF* session, I will provide the MUA/HS and will probably have some specific ideas in mind for our portfolios that we will want to have as a part of that session, but we will include as many of your/our ideas as time permits.
Rates: Our rates are reasonable for both commercial and modeling photography. Please inquire directly, as we have special rates for MM members. For our standard rates (for comparison, I guess) you can hit our studio website and all our prices are listed.
For the record, I NEVER ask anyone to do nudes, unless you have specifically stated in your profile that you are interested in doing them. I show them as part of the portfolio, and those folks that want to do them ask for that style of image, and the ones that I show on the web are only the ones that have signed releases for that purpose. People often do images for personal reasons, and they aren't a part of either their portfolio or mine. I respect your limits, boundaries, and privacy, period.
I always have more ideas than I have time to do them (and sometimes the money to do them....some of my ideas are QUITE expensive concepts LOL!), so I'm certain that between us there will be some awesome stuff. I love to discuss the creative ideas with you and plan our sessions in advance of the day of the shoot. While we do have a significant number of props and some costuming, it is always a good idea to discuss the wardrobe, set, makeup, and overall concept to be certain that we have all the bases covered. I also need time to acquire props that we might need for a specific look, period, of action sequence.... So earlier is better, and please be patient if delays caused by getting all the pieces together push back our dates. I want it to be perfect, and I hope that you do too.
Have you worked with DNA Photographic? Add Credits for DNA Photographic! >>
Worked together 1 times; Most recent: March 2016
Credit Notes
Memberships: Professional Photographers of America, National Association of Photoshop Professionals, International Imaging Professionals, Professional Photographers of Oregon.
Previous Customer list: Yamaha Electronics, Sharp Electronics, Philipe Stark Designs, Surgical Mechanical Research, Absolute, Rowell Brokaw Architects, Tactics, MyCoffee, Reinmuth Bronze Studios, Rolf Prima, FME, Westmoreland Homes, more upon request.
Media Angel Awards: 2000, 2002 (Excellence in Media)
US Local Business Association: Best of Eugene:Photographers 2008 - 2011
"Curves: In Praise of the Feminine Form" published 2008 (Fine Art Book)
"Food Network Magazine", February 2010 Issue Article Photos for My Coffee Restaurant
Nifty Magazine, February 2010 Issue Images of T.J. Reese MM#758647
Gladys Magazine, Winter 2010 issue, Dream Star Feature Images
Billboard and Print ad campaign for Westmoreland Homes Eugene, Oregon
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Florida and Georgia tailgaters aren't the only fans who enjoy their pregame festivities on the water. Lakes and rivers play host to several college football revelries around the country.
University of Tennessee
The so-called "Vol Navy" comes out in full force every game day, lining the slips of Volunteer Landing along the Tennessee River with grills, coolers, and plenty of blazing orange aboard their boats. The party continues until just before kickoff, when the floating armada of fans makes the quick 200-yard trek up to Neyland Stadium. But leftover food and half-full coolers are sure to beckon Vol fans back to the water just after the fourth quarter--if not before.
University of Washington
Lake Washington becomes a sea of dark purple any fall Saturday that the Huskies are in town. Continuing a tradition that began in 1920, eager fans arrive by boat at Husky Stadium to a shore that is easily accessible from all over Seattle. Water taxis ferry "boatgaters" to and from the game, but often people can't decide if there is more action on the field or in the water.
West Point
Though they leave water expertise up to the Navy when it comes to military operations, Army fans specialize in it during football season. Pregame parties extend along docks lining the Hudson River, and students, parents, alumni, and friends get ready for the game aboard boats of all shapes and sizes. The party will be a little smaller this year, as increased security is restricting the number of slips available. But the northern docks will still play host to the floating revelry and those loyal Army fans.


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USSoccerPlayers' J Hutcherson talks about the significance of Red Bull wanting to build Major League Soccer's first "real" soccer-specific stadium. Several MLS teams have their own stadiums, but these are leased out for concerts and other events. According to managing director Marc de Grandpre, Red Bull wanted to move away from the multi-use approach championed by Anschutz Entertainment Group, which is one of the main reasons the energy drink-maker decided to buy AEG's 50 percent stake in Red Bull Park, to be built in Harrison, N.J.
"The intimate experience was critical
for us and it wasn't as important for AEG," de Grandpre said, adding that they wanted to give Red Bull Park a more European-feel: "We want fans to experience the game the way it should be" -- as a
soccer-specific stadium, not another soccer park/tour stop for big-name pop acts.
Hutcherson explains that live events are a big part of AEG's business (AEG is also owner of the Houston
Dynamo and L.A. Galaxy) so turning stadiums into tour stops is a perfect fit to their business. But AEG has a big competitor in Live Nation, a live events company chasing the big music triple play
of artist, venue and merchandising. Live Nation already owns venues in many of the same MLS cities where AEG hopes to compete, and the company's recent signing of Madonna signals its intent. Why
MLS wants to compete in that market is an interesting question, indeed.


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I am in GA and I'm wanting to drive over atleast twice this season to hunt for 2 days at a time, I know the public land gets alot of pressure, but I still gotta try.
What WMA would you recommend? I have a 16' Polaris with a 25hp outbrd. (no mud buddy)
Any and all advice/help will be greatly appreciated.


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Although Browns running back Terrance West touched the ball 838 times in three season at Towson University, only 36 of those touches arrived through the air. It sounds like West has put a lot of work into shoring up that area of weakness.
According to Tom Reed of Cleveland.com, West "made a pair of dazzling one-handed catches" on Saturday that drew some audible surprise from the fans in attendance. They weren't the only people surprised by West's nifty display.
"I was a little shocked with Terrance today," head coach Mike Pettine said. "I had to double check my roster card to make sure I was looking at the right number. He did some nice things in the one-on-one period. That's always a bonus, when you have a guy that's not just one dimensional."
Pettine added that Ben Tate is ahead in this competition because he is stronger in pass protection, "but Terrance isn't far behind."
Fantasy Analysis:
The Tate-West battle is already exciting. I hope both stay healthy and truly let the best man win. Pass protection is tough for most rookies. If West can hold his ground in that area, it will dramatically increase his chances of seeing consistent work right away. As I've said many times this summer, the Browns' backfield will likely be a timeshare no matter who wins in training camp, but West is the much better value pick with an ADP late in the seventh round.


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Thread: Chicken Parmesan
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Chicken Parmesan
- 1/2 cup flour
- 2 x eggs
- 1 cup fine breadcrumbs
- 1/2 cups grated Parmesan cheese
- 3 tbsp dried oregano
- Salt and pepper to taste
- 4 x boneless, skinless chicken breasts
- Preheat your oven to 375 degrees.
- Set up a standard breading station by pouring the flour into one bowl, the eggs into a second and the breadcrumbs, Parmesan, oregano, salt and pepper into a third.
- To keep your hands from becoming breaded use one to handle the chicken while it is dry and the other hand while it is wet. Dredge the chicken breasts in the flour first then shake off any excess before adding to the egg. Coat well with the egg, drain well then toss into the breadcrumbs. Coat well then place in a lightly oiled baking dish. Bake until the chicken is golden on the outside and cooked through, about 25 minutes.
- Serve with Speedy Tomato Sauce or your favorite tomato sauce. I like using the store brand pasta sauce and serving the chicken with some vermicelli on the side, topped with sauce.
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This website is best viewed in Internet Explorer 8 or above. You are currently using an old version of Internet Explorer. Please click on this link to update your browser.
Our small but dedicated team of fundraising staff and volunteers has to raise almost £500,000 every year to keep our vital services running and help the 54,000 people in Scotland who have epilepsy.
We raise this through a variety of ways - check out our A-Z of fundraising ideas for inspiration on how you can support us.
Epilepsy is not an easy cause to raise money for and every single penny counts. The majority of our income is made up of small donations made by a large number of people. We really do appreciate contributions of any size, and all donations will be put to very good use.


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works great on a cheap serioux gt500 with wince 6. Thank you!
works great on a cheap serioux gt500 with wince 6. Thank you!
in my aiwa IT WInce 6.0 Chinese Device with 512 MB RAM and 8 GB ROM Voice is not working...
Is Voice working for you ?
Can anyone pls help me with Voice read out instructions..
Thanks in advance.
Non-TTS Voice files package
This post requires you to click the "LIKE this post" button and hit F5 to read this content.
put the following line in sys txt.
Last edited by madagascar; 27th February 2016 at 10:29 AM.
Hi Traktorist, i have the same problem when exiting igo (Application Primo.exe encountered a serious error and must shut down.) I think the problem is one of the licences, try remove one by one, and see who licences making this problem, my english is not so good i hope you understood what i mean
all the best
Thank you navigator for your reply, I understand, is there some iGO version to use it in my car GPS ?
Good Morning. I have one Medion PNA E4230. The my problem ist with TMC. You know the TMC Settings(protokoll, port, baurate)? Thanks
Last edited by Mazarin0; 29th February 2016 at 07:11 AM.
- fast download
- no JW files
- no additional languages and voices
- no JW files
- speedcams are few years old
- "stock" sys
- no TTS voices
- nothing about TMC
final conclusion :
- as 2015.Q3 maps were already uploaded long time ago, this upload brings nothing new to market, except LOADING screen maybe
- wasted time..
- this belongs to "beginners corner" ...
Last edited by ivd2206; 25th February 2016 at 07:29 AM.


text:
Japanese get down and dirty at the farm to destress
By Hyun Oh
SANBU, Japan (Reuters Life!) - Farming just got fashionable in Japan, where scores of stressed-out urbanites are spending their weekends trudging through mud to painstakingly plant rice by hand and, hopefully, find themselves.
Growing concerns over food safety and the environment, and the ideal of a laid-back rural lifestyle, are attracting more urbanites to agriculture, once the mainstay of Japan's economy.
Popular for years among retirees, part-time agriculture courses are now drawing younger professionals seeking a break from the rat-race and a space to call their own.
"More and more young people are now looking at farm life as an alternative," farming instructor Hidechika Akiba told Reuters as some 30 students and their friends squelched through a paddy field 60 km (37 miles) southeast of Tokyo.
Every year, many burned-out employees kill themselves in Japan, a country with one of the highest suicide rates in the world which even has a special term for death from overwork.
Students of the agriculture course at Tokyo's Marunouchi Morning University, so-called because it offers office workers classes before they start their jobs in the morning, pay 38,000 yen ($400) for eight lessons over eight weeks.
In addition to the field trips, the students -- all employed full-time -- also attend lectures at the city campus to learn the theories behind rice farming.
"It feels so good to walk in the mud," said 35-year-old Sahoko Kashina, who planted rice with her 4-year-old son, Yuu. Continued...


text: BEIJING, Jan. 30, 2013 /PRNewswire/ -- UTStarcom Holdings Corp. (Nasdaq: UTSI) ("UTStarcom" or the "Company"), a leading provider of media operational support services and broadband equipment products and services, today announced that it will hold an extraordinary general meeting of its shareholders (the "EGM") on Thursday, March 21, 2013, at 1:00 p.m., Beijing time, to seek approval for a previously announced 3-for-1 reverse share split. UTStarcom's Board of Directors believes that implementing a reverse share split is likely to improve the marketability and liquidity of UTStarcom's ordinary shares. The meeting will be held at UTStarcom's offices located at Room 303, Building H, Phoenix Place, No. A5 Shuguangxili, Chaoyang District, Beijing, P.R. China, 100028. Shareholders of record as of the close of business on February 5, 2013, are entitled to notice of and vote at the EGM. If approved, the reverse share split will become effective immediately upon approval by the Company's shareholders. Upon becoming effective, every three outstanding and authorized ordinary shares of UTStarcom as of the effective date will be automatically combined into one issued and outstanding ordinary share. This press release constitutes a public announcement of the date of the EGM for purposes of Article 65(c) of UTStarcom's Amended and Restated Articles of Association (the "Articles"). A copy of UTStarcom's Articles is available by submitting a written request to the address noted above, Attention: Investor Relations, or by accessing UTStarcom's website at http://utstarcom.investorroom.com/index.php?s=117. About UTStarcom Holdings Corp. UTStarcom is focused on providing next generation media operational support services in the rapidly growing markets for TV over IP services and broadband equipment products and services. UTStarcom is committed to meeting the evolving needs of cable and broadband service providers to enable a more personalized entertainment experience. The Company sells its media operational support services and broadband equipment products and services to operators in both emerging and established broadband and cable markets around the world.


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arrgh! (12-16-2012)
We're heading to Tuff town and I got the idea in my head to fish for bottom fish from shore. Has anyone ever heard of this or tried it in Tofino? We are there for 10 nights and plan on walking many of the awesome trails in the area. What would be a good lure for this? Buzz bomb? Maybe I can use my surfboard! Paddle out there and catch a nice Ling Cod ! I've fished from a surf board in Mexico before. Stay tuned!!!
arrgh! (12-16-2012)
Driller (12-17-2012)
just been searching for the regs. THey should make it easier to find out what is open. Like really. You gotta look at the regs, then go to the other site for in season changes. THere should be a search box. Put the species, put the area, and it should say if you can fish or not. I spent a half hour and looks to me like it is open all year in Tofino (section 124) for rockfish and ling cod.
We spent 10 days in Tofino. We hiked some new trails. Every hike we did I carried my fishing rod. We did the walk down to schooner cove. At the beginning of the hike I spoke with a first nations guy. He was very friendly. He said if I hiked out to the point I might have some luck. It wasn't possible because of the high'ish tide. We also hiked the trail from Florencia Bay to Wikkininnish Beach. This was a really nice hike 2.2 km one way. We ended up at a place where I could cast from the point. It looked nice, but no bites. I got snagged once and broke off and that was all the action I had. I spoke with a knowledgeable guy at the Fireside Grill, and he says it's pretty much impossible to catch any fish from shore unless it's in the summer/fall when the coho come to town. Oh well. I tried.
I have been diving off the hot springs on Meares Island and it was loaded with rockfish. Not sure if it is a closed area though but it sure is a pretty spot.
Driller (01-22-2013)
Where did you stay, Driller? Always had my eye on the Wickaninnish Inn if I could kill some family members and inherit their wealth.
Years ago we took the kids to Tofino for a summer trip, I recall a group of people,a family, sitting on one one rock outcropping and fishing for ocean perch I believe. They seemed to having some luck. Same thing down the coast in Cali and Oregon. Just gotta watch for the Rogue wave.
arrgh! (01-23-2013)
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As the titular CIA analyst in Jack Ryan: Shadow Recruit, Chris Pine has the slightly nervous look of a guy in over his head. Whether that anxiety belongs to the rookie field agent character or the actor playing him is up for debate. Considering the way that Pine made himself comfortable in William Shatner's yellow pyjamas in the new Star Trek films, though, it seems right to give him the benefit of the doubt. He doesn't seem to be an actor who scares easily.
It's also not as if the four previous films adapted from the works of the late novelist Tom Clancy cast a particularly long shadow. You'd have to go all the way back to 1990's The Hunt For Red October, starring a then-ascendant Alec Baldwin, to find a Jack Ryan film that really holds up. And even then, that had more to do with the presence of Sean Connery as a steely Soviet submarine captain. The Hunt for Red October ended on a harmonious note of perestroika, with the Russian and American heroes literally sailing off together into the sunset. Almost 25 years later, Jack: Ryan Shadow Recruit tries its best to reignite the Cold War, with tepid results.
Inspired to sign up for the Navy by the events of September 11 and injured in a helicopter crash in Afghanistan, Pine's Ryan is clandestinely recruited during his convalescence by covert-ops guru Harper (Kevin Costner), who asks him to be the Agency's inside man on Wall Street. At first, the posting involves riding the subway, wearing nice suits and telling little white lies to his fiancé (Keira Knightley, practising her Yankee diction in a truly thankless role), but when Ryan gets wind of a complicated scheme to cripple the global economy, he's dispatched to frigid Moscow.
From there, Jack Ryan: Shadow Recruit settles into a familiar espionage-flick groove, borrowing from both its predecessors and also the Bond franchise (Ryan's shell-shocked reaction to his first kill as an operative blatantly recalls Daniel Craig's ambivalence at the beginning of Casino Royale. Certainly, Kenneth Branagh's performance as the villainous, cirrhosis-stricken businessman Viktor Cherevin, who gradually emerges as Ryan's main foil, belongs in a 007 adventure – or The Rocky and Bullwinkle Show, since his outrageously put-on Russian accent makes him sound like he's looking for Moose and Squirrel.
But at least Branagh's acting has some flair, which is more than can be said for his direction, which is mostly just functional. Forget the glory days of Henry V and Hamlet: even Thor, with its canted angles and slightly chintzy sense of grandeur, was a better showcase for this former wunderkind's directing talents. The biggest problem, however, is the screenplay by Adam Cozad and David Koepp, which does an end run around Clancy's Jack Ryan mythology and winds up going nowhere fast. The appeal of the Jack Ryan character, at least on the page, was that he was always the smartest guy in the room. In Shadow Recruit, that doesn't seem to be much of an accomplishment, because the movie around him is so dumb.
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[NTC CAMP] U.S. U-15 boys national team coach Hugo Perez called in 37 players for an eight-day training camp that begins Saturday at U.S. Soccer's National Training Center in Carson, California.
The camp will include matches against the LA Galaxy ('97/98s), FC Golden State ('97/98s) and
Mexico's Tijuana. The roster features 32 players born in 1999 and five in 2000. Three players have moved to clubs in Mexico.
The U-15s last gathered in May in Zagreb, Croatia, for a
training camp, where it tied Croatia twice.
U.S. Roster:
GOALKEEPERS (4): David Abonce (FC Dallas), Eric
Lopez (LA Galaxy), Brady Scott (De Anza Force), Seth Stiebel (St. Louis Scott Gallagher MO).
DEFENDERS (12): Jose Alfaro Jr. (Morelia/MEX), Andrew
Aprahamian (Philadelphia Union), Jordi Avila (Kendall SC.), McKay Eves (Real Salt Lake AZ), Mark McKenzie (Philadelphia Union), Matthew Real (Philadelphia Union), Anthony Ruiz (Chivas USA), Cody
Sundquist (Placer United), Francisco Torres (Tijuana/MEX), Chandler Vaughn (D.C. United), Daniel Villegas (Chivas USA), Sam Vines (Colorado Rapids).
(12): George Acosta (Weston FC), Raul Aguilera Jr. (Orlando City), Leonel Alvarenga (Real So Cal), Jake Arteaga (LA Galaxy), Jose Carranza (D.C. United), Christopher Goslin (Georgia United),
Edson Murguia (Leon/MEX), Alan Salmeron (Chicago Magic PSG), Joshua Drake (Sereno SC), Nicholas Taitague (Richmond United), Juan Pablo Torres (Georgia United), Leonardo Zulli (LA Galaxy).
FORWARDS (9): Jonathan Amon (South Carolina United Battery Acad.), Andrew Carleton (United Futbol Acad.), Lucas Del Rosario (CASL), Matthew Huerta (Chivas USA),
Jeanpaul Marin (New York Red Bulls), Leonardo Marquez (Cal Odyssey), Marty Raygoza (FC Golden State) Adolfo Trujillo (De Anza Force), Hanif Wright (LA Galaxy)


text:
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Here's Where To Country Dance!
Get out and enjoy some great COUNTRY DANCING in the Quad Cities!
If you have other places we could feature, please email firstname.lastname@example.com!
SILVER SPUR DANCE HALL 1230 15th Ave. East Moline 309-269-4235
1st and 3rd TUESDAY of every month is couples dancing. 2nd and 4th THURSDAY is line dancing. $3 per person, 7-9pm.


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post #1 of 1 Old 03-01-2011, 06:52 PM Thread Starter
Evolution Gauges
I have an Edge Evolution tuner, but I ONLY use it for monitoring. I do NOT use this for tuning. I am trying to find my PCM through the Evolution. Is this possible? If yes, How do I find it???
4" MBRP turbo back
ARP Studs
EGR Deleted
Edge Evolution
5/40 Full Synthetic
2" level from ROX
Diesel Site Coolant Filter
Toyo Open Country M/T
Bilstein 5100's
SCTX3 with custom tunes!
1964 Ford Galaxie
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MILLEDGEVILLE — All four Brenau University tennis players reached the semifinal rounds of singles on Saturday at the GCSU Fall Invitational, with two advancing to the finals.
Liubov Orlova started the day with a win over Taryn Cappadona from Carson-Newman 7-5, 7-6(0). In the semifinals, Orlova was defeated by Martina Dedaj from Clayton State 7-5, 6-2.
Brenau's Hannah Thompson quickly took out Katie Brown from Carson Newman 6-0, 6-2 to guarantee a spot in the final against Dedaj. Thompson fought hard and lost 7-5, 6-3 after almost two hours on the court.
Then Golden Tigers' Eline Nagels also had a quick win in the semifinals, beating Tiffany Delias (Carson-Newman) 6-0, 6-0. Nagles' opponent in the final came from the match between Nelli Martirosyan and Charllote Fabricius (Clayton State). Fabricius came up on top against Martirosyan, 7-5, 6-1, avoiding a Golden Tigers final.
After losing the first set 0-6, Eline maintained her composure, continued fighting and turned the match around, winning the second and third sets 6-2, 6-2, taking the trophy in the C singles flight.
In doubles, Orlova/Thompson lost in the quarterfinal against the number one seeded team from Clayton State Cercelletti/White (8-1).
Martirosyan/Nagels had a win over Brown/Wilson from Carson-Newman (8-5), before losing in the semis against Budd/Dedaj from Clayton State by the score of 8-4.


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Contact us 24/7: +1 877 678 9627
View product details
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- - One size = US 7
- - This item's measurements are:
- Circumference 5.5cm
- Width 1cm
With the instantly recognizable Alexander McQueen signature skull, this enameled brass ring will make a hip addition to your contemporary jewelry collection. Wear it alone or with complementary stacked bracelets.
Shown here with: Alexander McQueen scarf and boots, Gucci coat and dress, Falke tights, Pierre Hardy bag.
- Alexander McQueen skull ring: silver-tone brass, blue and dark-gray enamel skull motif, designer stamp. Comes in a designer pouch.
Product Code: 164653
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Product Code: 164653


text: I've got an old Ken Martin call that was my Grandpas and quite a few years ago the end fell out while running down a goose. I tore that field apart looking for that piece but could not find it. So, what I'm asking is if anyone has any parts they would be willing to get rid of. For sentimental reasons I'd love to have this call back together. Let me know.


text:
Tapping Your Cash Is Trickier Than You Think
"Tapping your cash is trickier than you think," which ran in some editions (Personal Business, July 24), incorrectly described rules for nonspousal IRA distribution and excise taxes on retirement plans. Children who inherit an IRA can withdraw the money gradually over their lifetime only if the plan contributor died before age 70 1/2. Otherwise, nonspousal heirs must keep the original owner's payout schedule, and complete it within five years. When you die, the 15% excise tax on your retirement plan applies to amounts exceeding the present value of a $150,000-per-year annuity paid over the remainder of your IRS mandated life expectancy.
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text: Tangiertourism.org is based upon the common love of Tangier and the Tangier-Tetouan region of Morocco. The views and information on this site are a collaboration from tourists and locals to give an honest view of the city we love so much. Any world traveler knows the best way to experience any place is with local knowledge. Here we encourage visitors to discover their "own" Tangier. Tangier changes faster than most and Tangiertourism.org will be changing with it.


text:
Joe Biden Tells LGBT Community To Hold Trump Accountable
Karen Handel Said She Opposes Gay Marriage, Would Outlaw Adoption For Gay Couples
TWD's Daniel Newman On Celebrities Who Come Out After Fame: Pathetic
Queen Elizabeth Vows To Protect LGBT Community From Discrimination
Janet Mock: Caitlyn Jenner Doesn't Represent Transgender Community
Colton Haynes Joins Cast Of 'American Horror Story'
A previously suppressed ad featuring
Chelsea Clinton endorsing gay marriage has surfaced.
The 45-second ad was filmed as part of
a TheFour2012.com
campaign to promote marriage equality in four states. Last November,
Maine, Maryland and Washington state approved referendums legalizing
such unions, while Minnesota voters became the first in the nation to
reject a constitutional amendment defining marriage as a heterosexual
Voters in those states never did see
the ad.
"I believe that everyone should have
the freedom to marry the person they love," Clinton says in the ad.
"I hope you'll join me and others who care about basic fairness
and civil rights by doing all you can to support these efforts no
matter where you live. The outcome in these four states is so
the video at BuzzFeed.com.)
BuzzFeed.com, which first reported on
the ad, quoted an anonymous source as saying that NBC, Clinton's
employer, "scuttled" the campaign.
A previous The
New York Post story cited Clinton's NBC News contract as
preventing her from campaigning for President Barack Obama's
reelection campaign.
Clinton, along with her famous father,
President Bill Clinton, visibly campaigned for passage of marriage
equality in New York. She joined NBC News as a "special
correspondent" in 2011. Clinton's reporting at the network avoids
On Top Magazine


text:
Chiefs Clobber Cougars
By Kane County Cougars | August 31, 2013 7:03 PM ET
GENEVA, ILL - With Chicago Cubs outfielder Ryan Sweeney and infielder Luis Valbuena batting in the top two spots in the lineup, the Kane County Cougars were shutout by the Peoria Chiefs 9-0 on Saturday night in front of a season-high 12,335 fans at Fifth Third Bank Ballpark.
Sweeney, working his way back from a fractured rib, went 1-for-4 out of the leadoff spot. He looped a leadoff single into left in the eighth and grounded into a double play in the third. Valbuena, batting in the two hole on his way back from a strained oblique, went 1-for-3. He smashed a single in the third, walked in the sixth and grounded into a double play in the eighth inning.
Cory Jones (W, 8-2) shut down the Cougars (23-44, 53-80) over six innings of work. The righty allowed just four hits, walked two and struck out five. Steve Sabatino (S, 1) worked a spotless final three innings while walking two and striking out five.
In the Chiefs (29-38, 68-67) third inning, Nick Martini drove in the game's first run when he lined a triple down the first base line to bring Gerwuins Velazco into score. Breyvic Velera followed with an RBI single off Cougars starter James Pugliese (L, 0-2). The big blow came with two outs on a Trevor Martin three-run bomb to left to give the Chiefs a 5-0 advantage.
The Chiefs tacked on one more run against Stephen Perakslis in the fourth. In the ninth, Kenny Socorro allowed three runs on four hits and one error.
The Cougars take on the Peoria Chiefs at 6:30 on Sunday evening in the second game of the final series of the year. Left-hander Nathan Dorris (6-3) will start for the Cougars against right-hander Chris Perry (2-3). For tickets, please call (630) 232-8811 or visit www.kccougars.com.
This story was not subject to the approval of the National Association of Professional Baseball Leagues or its clubs.View More


text:
Thankful for Lubimov
Ten years ago, the Russian pianist Alexei Lubimov recorded Der Bote (The Messenger), an intimate collection of elegiac piano miniatures spanning three centuries and diverse nationalities. As part of Lincoln Center's White Light Festival earlier this month, Lubimov performed Der Bote for a small audience at the Kaplan Penthouse for the festival's Late Night Elegy series.
On this episode of Cued Up on Q2, a Web cast of this recital kicks off an all-Lubimov showcase that includes performances ranging from solo piano with orchestra to solo harpsichord with tape. Tune in on Sunday, November 7 at 2 p.m.
Lubimov's vast musical curiosity informs the diverse programming of his White Light recital, featuring composers ranging from Carl Phillip Emanuel Bach to the Armenian composer, Tigur Mansurian. The recital attests to Lubimov's uncanny ability to capture a specific emotional sentiment and send it resonating through varied, seemingly incongruous mediums.
The emotional thread uniting the disparate works in this recital never breaks, with even the boisterous forearm- and open-palm-laden Sonata No. 6 by Galina Ustvolskaya coming across as "brutally spiritual." On the opposite end of the spiritual spectrum, the hushed final works on the recital, Der Bote and Postlude by Valentin Silvestrov, are directed to be performed with the piano lid completely closed.
In Cued Up's second hour, Lubimov performs four works for four different instrumental mediums. Opening with Henryk Gorecki's Concerto for Piano and Strings, the hour also includes Vladimir Martynov's rarely heard but immensely beautiful Autumn Song for harpsichord and pre-recorded tape, Arvo Pärt's early solo piano work Partita and Alfred Schnittke's high-impact Piano Quintet, which employs microtonal clusters in the strings and contains one of music's all-time eeriest waltzes.
Though Lubimov has earned a deserved reputation as a tireless promoter of the avant-garde - especially of Baltic, Russian and former Soviet Republic artists - and a master in Baroque and early music, his capacity for the warhorses of Classical and Romantic repertoire is not to be missed. Stream on-demand the second of his Late Night Elegy recitals covering the two sets of Schubert Impromptus.


text:
Monday, 3:29pm
Reno, NV
"You're either on the bus, or off the bus…" (Ken Kesey)
Quick lesson here I thought you'd enjoy.
The phrase "there are two kinds of people" is used by comics, politicians, and just-plain-folks trying to set up a point with an easily-understood little story.
It's an over-simplification, most of the time, of course. Life is too nuanced and complex to fit into just two tidy categories.
However, sometimes you can make a damn good argument behind the two-groups thing.
In selling, this is what we've called "the dichotomy of futures"…
… meaning, you can make two distinctly clear divisions:
1.) The "in" group, which is your target market… Continue Reading


text:
Astros' Singleton draws 50-game ban
Associated Press | Last updated January 09, 2013
A minor league player in the Houston Astros' organization was suspended 50 games Wednesday after a second violation for of baseball's minor league drug program. First baseman Jonathan Singleton was penalized Wednesday by the commissioner's office. He was the first player banned this year under the minor league drug program. The 21-year-old Singleton hit .284 with 21 home runs and 79 RBIs at Double-A Corpus Christi. Singleton, who also plays outfield, was traded by selected by Philadelphia on the eighth round of the 2009 amateur draft and traded to Houston in July 2011 in the deal for Hunter Pence. ''We are disappointed in the decisions that Jonathan made leading up to this positive test,'' Astros general manager Jeff Luhnow said. ''Jonathan has expressed regret for his decision, and we expect will take the necessary steps to ensure this doesn't happen again. He has owned up to his actions and that is a necessary first step. The Astros will support Jonathan through this difficult time and we hope this example will prevent other athletes from making similar decisions.'' There were 105 suspensions last year under the minor league drug problem and eight under the major league program.
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text:
FL Bill Targets Sites That Charge To Remove Mugshots
Published April 4th, 2014
Loading Video...
GAINESVILLE - Smile you're on camera and the image is much easier to take than to erase. The Florida Legislature is targeting websites that charge fees for removing police mug shots. A new proposal would end up charging the websites that violate the law.
After serving time behind bars, things don't go back to normal right away-- Those who have been locked up not only have to deal with cleaning up their act but also cleaning their record.
We're talking about a very different picture here, not selfies but Mug shots. Whether you've taken a good one or a bad one, most people don't want this to come up when their name is googled.
Websites like www.Mugshots.com will keep pictures public until you pay to get them down. How much? Nearly $400 just for one picture.
Here at the Alachua County Jail everything is electronic. Mug shots are automatically linked to the Circuit 8 Court Administration.
"The only photographs that are on that link to the circuit 8 are people that are currently in jail so once that person comes out of jail that person will no longer show up as being in jail," Art Forgey a spokesman for the Alachua County Sheriff's Office said.
Florida Senator Darren Soto is the author of a measure that would require mug shot sites to remove booking photos at no charge. "Well each individual who sustains damages as a result of the violation would be able to get an injunction against whatever company was posting them online and charging for removal and it would also allow for $1000 a day after the injunction period if the violator didn't correct the situation," Soto said.
Soto says the bill is now ready to go to the floor, and he believes it has a good shot to pass. Some of the people I talked to about this issue tell me, they don't have a problem with sites charging to remove mug shots-- that this is just one of the many consequences of being arrested.
"You know... It's kind of an interesting take on things because the mug shots are a public record which anybody has access to... However there are unscrupulous businesses out there that are taking advantage of that and using those mug shots for financial gain," Forgey said.
At least 12 other states, including Florida, have mug shot-related bills pending.
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text:
All Android applications categories
********** Thanks for visiting my FREE app *************
This app would help you in Trick photography and special effects.
In this app you will learn the fundamentals into trick photography and how you can use them when taking photos!
Here are some awesome features:
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text:
Visit our other Wisconsin Historical Society websites!
Refine or narrow your results by clicking any term in the gray boxes below.
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Date: 1893
Description: Front and back of the catalog cover. Illustration on front shows a group of children looking and laughing at dog that has been costumed in a hat, cape and...
Date: 1902
Description: Inside 2-page spread with a color illustration of a man in a field on a Milwaukee harvesting machine pulled by a team of two horses. A woman stands nearby...
Date: 1894
Description: Cover of an advertising brochure for Buckeye harvesting machines manufactured by Aultman, Miller & Company. Cover features an illustration of a man, woman,...
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text:
Just got my Wrx back from the bodyshop yesterday...I decided to post this because when I ask the dealer where i purchased to car from they said that the STI and WRX use the same Trunk lid, So the Wrx spoiler can be swapped with the STI Wing. They did warn me that there might be a slight issue to the bolt holes.
When the bodyshop removed the factory spoiler, they found a total of 14 holes!!!! Which 11 where on the center of the trunk lid.
After spending an additional $800 to fill,grind, sand, paint, polish and mount the new wing, Heres how it came out....
I post pictures of my car when it was in the bodyshop and all the work needed to install the wing.


text:
You are here: Kidspot Activity Corner Learning games Spelling bee
Spelling bee
Buzz buzz - the spelling bee learning game helps children learn about various words, sounds and patterns. Help your child discover how much fun learning can be with this innovative and enjoyable kids activity.
Number of players:
Either show a picture or say a word and let the children determine either the letter that makes the beginning sound or ending sound.
If it is one child's turn and they do not know, they may call on a friend to help.
For older children, choose words based on your whereabouts for them to spell in full.
Kidspot on Twitter@kidspotNZ
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text:
A Princeton-led research team has created an easy-to-produce material from the stuff of computer chips that has the rare ability to bend light in the opposite direction from all naturally occurring materials. This startling property may contribute to significant advances in many areas, including high-speed communications, medical diagnostics and detection of terrorist threats.
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text: alreet there all just an idea ive tryed and used here , because im in a 95 beemer obviously almost all of my black plastics have ended up sunbleached a shade of shi**y grey lol (around back window door handles etc were more white than black !) , i got sick of going round the thing with a finger sized peice of rag and back to black stuff which always ends up getting on windows etc is a pain and doesnt last anyways - i had the idea of actually painting the things with a matt black paint so did and it worked great ! didnt mask the car up just simply went round with a kids small paintbrush ,it took feckin ages but the results are bang on - i was wondering if anyone knew if there was such thing as a matt finish laquer to sorta seal in what ive done ? - will stick piccy on sometime when i find time


text:
Should you Strava?
By Cailey Nickerson
"It's not a race," my mother says to me as I gear up for my morning commute. "Be careful."
"I always am," I mumble as I swing a leg over the saddle of my mixte road bike. I started biking a year ago as a green and endorphin-yielding form of transportation. Plus, two wheels are all I can actually afford as a recent college grad. As a commuter, the only time I really push myself is if I'm running late or if I want a hill to end as quickly as possible. I've never recorded times, I've never paid attention to heart rate, and I've never compared myself against others; that is, until I caught wind of Strava.
Strava, or "to strive," as it translates in Swedish, is a social networking site that utilizes GPS to track and record rides. Users mark specific segments and compete for King or Queen of the Mountain status on leaderboards. A KOM or QOM goes to the fastest runner or cyclist on a specific segment. Turns out, my morning commute contains one or two of the more popular segments in the greater Seattle area.
According to their website, Strava designed their brand around what they call "social fitness." The goal is to unite athletes and "put workouts and races into context."
As a commuter, I downloaded Strava with the understanding that I would probably be on the lower rung of the ranking. I also suspected to be the only one of my kind using the application. Au contraire.
Not unlike Facebook, Strava has hundreds of different clubs users can join. This includes cycling clubs, race teams, and to my surprise, commuters. With a quick search I found some pros in the area and noticed that even they are recording their point A to point B rides, titling them "Morning Commute" or "Work to Home." I also noticed that I ranked 55 out of 137 women on one of the segments of my route to work. Strava even took the liberty of granting me a virtual trophy for reaching a personal best. Needless to say, I had new incentive to pedal hard on my commute the next day.
The application is free and anyone with a Garmin or smart phone can sign up. A Premium membership is also available. Costing $6 per month or $59 per year, Premium level gives users leaderboard stats filtered by weight and age, detailed heart rate and "suffer score" analysis, and pace power zone analysis. Basically, by coughing up a little cash users get a training profile recorded onto their Garmin or smart phone. A basic, free subscription still qualifies users for leaderboards and permits them to create and mark segments wherever a GPS signal can be reached. The beauty of the app for cyclists with a day job: time trial races can take place all over the world free of travel, time commitment and monetary strain.
With Strava technology, any workout, as long as it is tracked, can be a race. Such ability also means it can take place anywhere, including in areas of heavy traffic or on illegal trails. Users can also make a ride private, meaning only they can see it, or flag segments they consider unsafe. However, this also means cyclists are on the honor system for avoiding and marking dangerous routes. With this in mind, questions arise of whether the sense of competition Strava encourages has the potential to compromise safety. Lately, some argue this is more often the case.
Two years ago, Kim Flint Jr. was killed in an accident while trying to defend his KOM status just outside of Berkeley, Calif., in Tilden Park. Flint's parents are now suing Strava for negligence on the grounds that the website encourages reckless behavior. Mark Riedy, the press media liaison for the company, issued a statement earlier this year commenting on the validity of the case.
"The death of Kim Flint was a tragic accident, and we expressed our sincere condolences when it occurred in 2010. Based on the facts involved in the accident and the law, there is no merit to this lawsuit."
As of October, Strava is countersuing the Flint family on the basis that the deceased's fatality was due to his own negligence. Kim Flint Jr., however, has not been the only casualty associated with Strava. Also in San Francisco, where the company is headquartered, 35 year-old Chris Bucchere hit and killed an elderly pedestrian while riding through a yellow light. Bucchere was said to be using Strava at the time to record his ride and is now facing felony charges. Strava is not involved in the case.
So does the company have an obligation to discourage reckless behavior? Reidy says yes, noting that dangerous cycling hasn't been a real issue. He also says the application relies 100% on the accountability of users, which he maintains is made up of a very specific demographic: training athletes. Strava, he says, is not for everyone.
Co-founder Michael Horvath says on an Australian cycling website that Strava was designed specifically for the "top third athlete." Riedy reiterated this notion in our interview, stating, "Strava is for core athletes who really understand the value of monitoring progress and need inspiration; not for someone running their first 10k."
In a blog post titled, "Confessions of a Strava Addict," on the International Mountain Bicycling Association's (IMBA) website, spokesperson Mark Eller discusses some of the issues and social concerns in the community surrounding Strava. He argues that while the app may bring out the "demon" in some cyclists, competition and safety issues were around long before the application existed.
"It's understandable that folks might be getting concerned about an emerging technology platform that makes every trail ride into a potential full-bore time trial... The technology has raised/lowered the bar a few notches, but hammering trail rides dates back to the first time two mountain bikers discovered they'd ridden the same stretch of singletrack."
Glenn Glover, executive director of Evergreen Mountain Bike Alliance in Washington, has similar things to say regarding Strava on trails, however, he predicts that its trend will eventually fade.
"I don't think [Strava] will remain as popular as it is now. Most of us mountain bike for the experience — we're not on the trail to suffer or compete outside of a race. We're there to be outdoors and because we love biking."
Glover also mentioned that Strava has revealed some poaching issues in western Washington, as users have taken to recording rides on some illegal trails. He does not personally use Strava.
While the degree of accountability the company has in regards to bicycling safety is still a hot debate, the website has taken measures to stress the importance of user responsibility. Initially after downloading the application, a blue screen pops up with a warning stating that the company is not liable for reckless and dangerous riding. Reidy is uncertain as to whether the warning is a recent development following some of the above mentioned fatalities. Regardless, agreement to the terms outlined in the warning apparently serves as a waiver, which designates users as responsible for their own safety. This in turn is intended to exempt Strava from all related legal claims.
Evidently, self-quantifying services are changing the nature of solo riding. While Strava connects people in the same manner as every other social networking site, it is unique in that it does so through competition. Such a means gives it the capacity to bring out both the Hercules and Narcissus in even the innocent commuter, or serve as an enabler for the demon in the athlete. Consequently, with this new platform for competition may come a need for a new set of guidelines; or at least a keener sense of awareness.
Since this article's inception, and although the company's spokespeople confirm the application is for training athletes, my use of Strava has surpassed investigative purposes. Despite myself, I've taken to turning on the app wherever I cycle, and have accumulated a few QOMs. That is, I'm the QOM on a segment with three participating women, while the rest I was granted out of default, being the only woman to ride on that specific route. On other segments I've placed in the top ten, and as such have taken to pushing myself while riding them, knowing that top five is only a few suffering seconds away.
Do I curse slower cyclists and red lights? Yes, but never out loud. Do I pedal through yellow lights? Very rarely, and more from a consistent habit of running late. Will I yell "Strava" on the road and expect others to dive out of my way? Not a chance. Yes, the application has helped me push myself and understand my cycling trends, and I say that almost snidely considering I am a lowly commuter riding a '70s model road bike I got for $100 on Craigslist. From what I gather, the best approach while Strava-ing is a balanced one. Relish the confidence gained from reaching a personal best, but realize that the Achilles heel for any athlete, Strava or no Strava, is an arrogance that prioritizes winning over safety.


text: newstalk1280.com [ Your Help Is Needed! By John Story May 18, 2011 How can you help those in our area that have suffered flood damage? Read More Category: Evansville News, Events Tags: cleanup help, flood, turning pointe church Send to a friend! Share on Facebook Share on Twitter Pin it! Reddit This! Share on Tumblr!


text:
|Dealing with User passwords
|jerry hamby
After learning about the "user" collection today, I decided to try and build some User entities.
I passed down username and password. Only username shows up anywhere in the returned results,
and doing a GET on a user shows nothing. I assume it has to do with something called "Usergrid credentials vault".
I see some docs on setting passwords here:
But it only talks about doing a POST to change old password to new password.
This is all the information I can find.
How do you handle the following 2 uses cases?
1- "forgotten login info" : Sending a user his login info by email. I see no method for acquiring the User's current password.
2- admin needs to see the oldPassword manually
Is there some additional docs explaining User passwords, other than the link I mentioned above?
|Re: [usergrid] Dealing with User passwords
|Tim Anglade
Hi Jerry,
storing passwords in a way that allows an administrator, the user or the system to share it again in plain text is deemed to be a security risk. There's even a Tumblr dedicated to this anti-pattern, that contains helpful background info on why the features you describe can be a bad idea: http://plaintextoffenders.com/about/
We strongly feel like it is best practice not to let anybody — ever — see your password, as part of our goal is to provide developers with a strong, secure platform. I would recommend you deal with each scenario you outlined as follows.
1. You should instead invite the user to reset is password, as do a lot of modern sites. The flow looks a bit like this: ask the user to provide his email address. Check that said email address exists in your users collection, and email the user with a link to reset his password. The link should take the user to a page that lets him pick a completely new password, which you should store in Usergrid straight away.
2. We don't recommend you let admins see users' passwords (people may be using the same password on other sites, etc.). If absolutely necessary you can give your admins the right to see any users' data, or have them overwrite a user's password.
I hope that helps. Please let us know if you have any questions!
(I also wanted to note that we have not forgotten your other inquiry :) We should have an answer out to you soon!)
-- You received this message because you are subscribed to the Google Groups Usergrid group. To post to this group, send email to user...@googlegroups.com. To unsubscribe from this group, send email to usergrid+u...@googlegroups.com. For more options, visit this group at https://groups.google.com/d/forum/usergrid?hl=en
|Re: [usergrid] Dealing with User passwords
It seems that this requires us to have our own backend server to be able to reset our users password (since it requires organization/application/admin credentials).
I guess all apps need this feature. Would it be an appropriate feature for Usergrid to implement so we don't need a backend for this?
1. App sends a HTTP request for resetting password for a user with email provided.
2. Usergrid sends email to user.
3. User clicks on resetting password link and is redirected to the app.
4. User fills in the new password.
5. App sends the new password.
|Re: [usergrid] Dealing with User passwords
|Rod Simpson
I think you are looking for something like this page:
If you embed this page in your app, users can use it to reset their passwords.
We do have a task on the roadmap for enhancing this feature a bit to make it easier to customize, however, I don't know when it is due to be released.
Rod Simpson
skype: rockerston
twitter: rockerston
m: 303.859.7323
On 8/9/12 11:26 AM, wingy wrote:
It seems that this requires us to have our own backend server to be able to reset our users password (since it requires organization/application/admin credentials).
|Re: [usergrid] Dealing with User passwords
|jerry hamby
OK, rather than sending a user his old password, by email verification, you are suggesting the user must select a new password, correct?
Is so, taking an example from your docs, would you just drop the old password part of the REST statement:
POST http://api.usergrid.com/my-org/my-app/users/john.doe/password {"newpassword":"foo9876a"}
So that means its a 2 step process for a user to keep his old password:
a- select new password
b- reset the new password back to the old password (if they can remember it by now)
Also, if it's "absolutely necessary" as you said, how does admin(me) get the right to see the User's old password?
I know I can create a custom password field, but I would like to use as much of UserGrid's features as possible.
As an admin I believe in security, but I want to see all of my data.
|Re: Dealing with User passwords
Didn't know it existed.
Where can I read more about it?
|Re: [usergrid] Dealing with User passwords
Yes. I need more info about it to know how to handle the whole process:
1. What query string parameters/body should I send to it.
2. What response will I get back.
3. What to do with that response.
|Re: [usergrid] Dealing with User passwords
I don't think seeing the old password of a user is a good feature.
In fact that could scare away users from your site if they ever found out that you can look at their passwords.
Just setting a new one if they forgot their old one is really convenient and appropriate.
|Re: [usergrid] Dealing with User passwords
|Rod Simpson
You just embed the link below in an <iframe> tag and put it on your site. There is nothing to send / nothing to get back. This will allow the user to change their password. It isn't an endpoint that you call via API. It is a page that is served up.
Click on this link to see the page:
|Re: [usergrid] Dealing with User passwords
|Tim Anglade
Hi Jerry.
On Thu, Aug 9, 2012 at 11:06 AM, jerry hamby <jerry...@gmail.com> wrote:
You still wouldn't be able to see the password (again, nobody can, not even us). What you could do with any Usergrid Administrator account (or an App User account tagged with the "Admin" Role), is to overwrite a user's password with something you chose yourself (and hence, would know). It's the closest you can get to knowing someone's password, I believe.
I would argue that the two parts of your sentence are in direct collision. Good password security means only your users know what their password is. Here's a couple more links on the topic:
|Re: [usergrid] Dealing with User passwords
|jerry hamby
So why do I even need password for logging in or at all?
I can just do this and get the User's result data:
(johndoe was provided by the user at login time)
Does it work differently outside of the sandbox?
|Re: [usergrid] Dealing with User passwords
|Rod Simpson
The sandbox app has the permissions set to full access on the Guest account by default.� A production account would not have this, so the /users/myuser call would require a Bearer Token.
On 8/9/12 1:15 PM, jerry hamby wrote:
So why do I even need password for logging in or at all?
|Re: [usergrid] Dealing with User passwords
|jerry hamby
Excuse my lack of knowledge but what is a Bearer Token?
How do you acquire the token?
Could someone do a step-by-step walkthrough of production login?
Is there any Usergrid docs on this?
Under the docs http://apigee.com/docs/content/user
section: "Getting a user by UUID or username"
there is no mention on the differences of sandbox and production
|Re: [usergrid] Dealing with User passwords
I think this is what you are looking for: http://apigee.com/docs/content/authentication-and-access-usergrid
|Re: [usergrid] Dealing with User passwords
|Tim Anglade
Hi Jerry,
a bearer token is a standard OAuth 2.0 concept for access. Basically the flow goes like this.
1. You do a GET on https://api.usergrid.com/ORG/APP/token?grant_type=password&username=USERNAME&password=PASSWORD — filling in the appropriate org, app, username and password details of course.
2. If the username & password combo is valid for this app, the response will include an access_token. Store this. It is your bearer token, and you should use it in all subsequent calls from this user, to access protected data.
3. You can now hit any protected URL this user has access to by passing the token either as a query string:
… Or by passing is as an HTTP header. For example, in curl:
curl -H 'Authorization: Bearer ACCESS_TOKEN' https://api.usergrid.com/ORG/APP/path/your/want/to/load
Johnny is right, this is explained in detail here: http://apigee.com/docs/content/authentication-and-access-usergrid
But you are right that this page make no mention of the sandbox app! I flagged that oversight and we should have it fixed shortly.
Anything else we can do to help you get started, please let us know!
|Re: [usergrid] Dealing with User passwords
|Rod Simpson
A Bearer Token, is just an OAuth token that is used to authenticate calls to the API that require authentication. A description of how tokens are used can be found on the following page, along with a description of how to get these tokens:
The "sandbox" app is automatically created when you sign up for a Usergrid account - each account gets one. It is a relatively new feature so it is not fully documented yet (that is coming). The main difference between this account and any others that you create is that the "Guest" role has all permissions granted to it for the path "/**". This means that you can make any call (GET, POST, DELETE, or PUT) to any Application endpoint as a Guest. Basically it is wide open. We do this for ease of adoption - to give developers one less thing to worry about as they begin to build their apps.
To see the roles, go to the Usergrid Admin Portal, log in, and then choose the "Roles" section on the left hand side. Click on the "Guest" role. You should see that there is a permission for /**, and all actions are checked.
I'm not entirely sure what you mean by a step-by-step walkthough of production logic, but I will give it a go:
In production, you wouldn't want to give /** all permissions, but some may make sense. For example, giving the POST role to /users will allow unauthenticated users to sign up - which can be a good thing. In our sample Messagee app, we make use of this feature:
(you can see messagee in action by going here: http://apigee.github.com/usergrid-sample-html5-messagee)
How you authenticate against the API depends on what your needs are. If you have users, then you would authenticate those users via the Application User endpoint. You can see how this works in the Messagee Sample app I mention above.
Best practice is to refrain from using your client secret and client id in an app that is distributed (like a pure HTML5 app) as it is easy for someone to gain access to them.
We have a major doc revision coming up soon and it will include information about authenticating your app prior to going to production with it. We hope to have that out soon.
Hope this helps,
|Re: [usergrid] Dealing with User passwords
|jerry hamby
First I would like to thank everyone for their posts, Here is what I came up with.
FYI: All IDs are fake.
This seems to work just fine, but I'm still testing in the sandbox. If you see any obvious problems,
especially with production, let me know.
var pBearerToken = '';
function mGetBearerToken() {
var ajax = new XMLHttpRequest();
if(ajax.readyState==4 && (ajax.status==200)){
var obj = $.parseJSON(ajax.responseText);
pBearerToken = obj.access_token;
mGetLogin("samjones", pBearerToken)
function mGetLogin(vUserName, vBearerToken) {
var ajax = new XMLHttpRequest();
if(ajax.readyState==4 && (ajax.status==200)){
var obj = $.parseJSON(ajax.responseText);
console.log("apigee.js:: mGetLogin success obj = "+obj);
|Re: [usergrid] Dealing with User passwords
|Rod Simpson
Your code looks like it will work, but it is not best practice. It you put your client secret and client id in your code, then it is visible to the world since anyone can "view source" on your files. It is harder for someone to get them if you are wrapping it in something like Phonegap, but it is still possible.
Are you not asking users to sign in with a username and password?
If you are, then you would only need one function, like this:
function mGetLogin(vUserName, vPassword) {
var pBearerToken = obj.access_token;
Let me know if this make sense.
|Re: [usergrid] Dealing with User passwords
|jerry hamby
Thanks Rod, your code works great and is more secure, although I'm in PhoneGap now, that may change later.
From a testing point of view, your code actually requires me to remember the passwords. I've created
several Users for testing purposes, and I couldn't remember their passwords. This is the reason I started this
topic about passwords, I though I could just go the Usergrid Admin Portal and see the passwords, silly me.
|Re: [usergrid] Dealing with User passwords
Shouldn't the url be
instead of
since he is requiring a token for a app user, not an admin user?
|Re: [usergrid] Dealing with User passwords
|Rod Simpson
You are correct. Nice catch! You are really becoming an expert at Usergrid!
The code below would only work for an admin user. So the revised code would be:
Thank you!
|Re: [usergrid] Dealing with User passwords
|Jody Franklin
I've been playing with user password management, testing things out before I even start working on code. I've run into a few things that either don't work as documented, or otherwise just don't work. I realize some of this stuff is a moving target, and I may have just picked a really bad time to start trying, but I wanted to comment on these as they're related to this thread, and just because I've noticed it doesn't mean someone else has.
1) The references to setting a user password at http://apigee.com/docs/usergrid/content/user state that "If you are accessing an endpoint with Application-level access (rather than Application User-level access or anonymous access), then it is not necessary to provide an old password." This does not seem to be accurate. If I exclude the oldpassword part of the call then I receive the error "oldpassword and newpassword are both required". If I include oldpassword, and set it to an arbitrary value the response suggests that all is well, except it doesn't actually change the password. I get this behavior with an application level bearer token, organization level admin token, or organization level token. The response with a fake old password is below:
Response Header:
Status Code: 200
Date: Mon, 03 Sep 2012 01:41:27 GMT
Connection: keep-alive
Content-Length: 86
Server: Apache-Coyote/1.1
Content-Type: application/json
Access-Control-Allow-Origin: chrome-extension://cokgbflfommojglbmbpenpphppikmonn
Access-Control-Allow-Credentials: true
Response Body:
"action": "set user password",
"timestamp": 1346636487771,
"duration": 28
Also, the URL I referenced shows this call should be made as a POST, while the Console in the sidebar shows it as a PUT. I've tried it both ways with the same result. I have also referenced my org, app, and user by name, and by UUID with the same results. This is not in the sandbox, but in another app I created. I have tested this using the REST Console Chrome extension as well as the Shell in the Admin Console. The Admin Console Shell doesn't give any response at all other than to echo the endpoint back to me.
2) The http://api.usergrid.com/<myorg>/<myapp>/users/resetpw does work, sort of. The link does produce a form to provide email address, and the captcha, but the email you get back gives a link with does not include the org ID in the path. If I add the org ID, then use the link, it works without issue, but an end user isn't going to know to do that. At my current stage I'm actually more concerned about being able to force the user's password to a new value, than to provide the user with a recovery option, but eventually both will be needed.
If theses issues are already being addressed then I'll happily move on to other things until they are fixed. If, though, I'm just missing something, please let me know.
|Re: [usergrid] Dealing with User passwords
|Nate McCall
#1. no, you should be getting back a descriptive error message about
the passwords not matching.
#2. There is a known issue with APP_ID lookups which we are working,
but this may have to do with the URL construction itself.
We will investigate both of these ASAP - thank you for bringing them
up with detailed descriptions of the failures - always makes diagnosis
|Re: [usergrid] Dealing with User passwords
|Nate McCall
Ok, for #1 - I just verified that we are returning the correct error
message on old-password mismatch in master.
We'll have to have an internal discussion though as to were the bug is
on the later part of that - the docs or the code. I'm leaning towards
the latter.
Also, we are currently working on a "admin can update passwords for
anybody" feature. Stay tuned on that.
|Re: [usergrid] Dealing with User passwords
|Jody Franklin
So long as there is some way for an admin to force set a new password, I'm not as concerned about the how. I'd even be o'kay with an endpoint, or param for an endpoint that triggers the password reset email to be sent to a specific user, once the reset emails are generating proper URLs.
|Re: [usergrid] Dealing with User passwords
|Dino Chiesa
This is still a problem for me. When I tickle the URL
..and enter my email address in the resulting form, I get an email, with a link like this:
https://api.usergrid.com/70444a43-e738-eee1-65f6-12345678ddd/users/7e73115d-ff71-eee1-bf27-12313b0c5ebb/resetpw?token=ZW0tghQz0f-JEeGxyhIxZZ2BLdCH_OhiUBFOlwnMaY-LJwWcClicking this link results in an error like this:
"error_description":"Could not find application for 70444a43-e738-eee1-65f6-12345678ddd/users from URI: 70444a43-e738-eee1-65f6-12345678ddd/users/7e73115d-ff71-eee1-bf27-12313b0c5ebb/resetpw"}
But if I go to
https://api.usergrid.com/myorg/myapp/users/7e73115d-ff71-eee1-bf27-12313b0c5ebb/resetpw?token=ZW0tghQz0f-JEeGxyhIxZZ2BLdCH_OhiUBFOlwnMaY-LJwWc...then I get a reset password form.
On Monday, September 3, 2012 9:52:54 AM UTC-7, zznate wrote:
#1. no, you should be getting back a descriptive error message about
|Re: [usergrid] Dealing with User passwords
|Nate McCall
We have a release coming out in the next day or so (awaiting QA for a
few things yet) which will address this. We'll reply when it is
available. Thanks for your patience.
|Re: [usergrid] Dealing with User passwords
|Tim Anglade
Hi guys, just wanted to loop back on this and say that we did deploy a fix for this earlier this week but unfortunately it hasn't fully resolved the situation. We'll be getting a full patch deployed soon so you can use the reset password functionality. Our apologies for the delay!
|Re: [usergrid] Dealing with User passwords
|jerry hamby
Can you update us on this?
Are there any doc links?
I just tried a link provided by Rod and I can't get to work:
|Re: [usergrid] Dealing with User passwords
|Rod Simpson
The link that is returned in the email has the orgname in twice. The fix was delayed , but we actually have an engineer working on it for this sprint. We should be deploying the update soon. I will let you know when it is out.
In the meantime, if you want to test, just remove the extra orgname from the link that comes in the email.
Rod Simpson
skype: rockerston
twitter: rockerston
m: 303.859.7323
From: jerry hamby <jerry...@gmail.com>
Reply-To: <user...@googlegroups.com>
Date: Tuesday, December 18, 2012 3:56 PM
To: <user...@googlegroups.com>
Subject: Re: [usergrid] Dealing with User passwords
|Re: [usergrid] Dealing with User passwords
|Jeffrey Mock
Hi Rod, Tim,
We are trying to use the reset password page for the SocialTagg app and it appears this issue is still occurring. Do you know when the fix will be coming?
Here are the steps we are trying:
The cycle then continues...
It appears we are never able to successfully reset the password even after manually correcting the link.
Are we missing a step somewhere?
|Re: [usergrid] Dealing with User passwords
|Tim Anglade
Jeffrey, can you confirm this was fixed with our last deploy? The links in the emails should work now.
|Re: [usergrid] Dealing with User passwords
|dominic tobias
Thanks Tim,
I was also wondering where the password field was going and I was of course already hashing the password before sending it to usergrid but I guess that isn't necessary. I am assuming and hoping the the password is not stored anywhere by you guys in plaintext right?
On Thursday, 9 August 2012 16:20:37 UTC+1, Tim Anglade wrote:
Hi Jerry,
|Re: [usergrid] Dealing with User passwords
|Rod Simpson
It is encrypted using bcrypt. 11 pass, I think.
Rod Simpson
T @rockerston
|Re: [usergrid] Dealing with User passwords
|dominic tobias
Great that is what I was using too!


text:
MEAP results set to be released with new cut scores
by DOUG VANDERJAGT
District Assessment Coordinator
Rockford Freshman Center Principal
Within the next few weeks, detailed MEAP results with adjusted cut scores are scheduled to be released to districts as they brace for this highly anticipated event. For years, these results would arrive over the summer, as parents and students relish in three quiet months away from the school system. Now, in the cool winter months, the results are on the brink of full disclosure in the same year in which the tests were administered.
The MEAP is our annual assessment that is used to gauge how our students are performing on state-approved content standards. This test helps us define what students should know and be able to do in English, writing, math, science, and social studies in grades kindergarten through 12.
In the previous years, we would obtain our district scores and relish in the fact that our students score near the top in every area across the board. This will continue to be the case, although the scores may look different for each individual student. New higher cut scores have been set for the MEAP, as well as the MME that is administered to our 11th-graders in the spring. With these new cut scores, proficiency now means that students are progressing appropriately toward college readiness. This could likely change how the public views the performance of districts, schools and students throughout the state.
Cut scores represent a judgment about the percentage of questions that a student needs to answer correctly to meet some type of performance standard. While the cut scores have changed, the actual test has not, thus students' actual raw scores are not affected.
In the past, cut score levels were set for a manufacturing-based economy. With more students heading to college after high school, and with new national tests on the horizon, state education officials felt that it was the time to revisit what levels of performance would be needed to be "proficient."
The new cut scores reflect a determination about the point a student will be successful in the next grade or in college. It is important to understand that the "proficiency" label from the MEAP is simply one piece of information attached to a student's score that should be considered along with other school performance data.
Rockford Public Schools will soon begin to pour over the data and use these recalibrated cut scores to help support higher levels of learning for all students. We will continue to identify the state benchmarks that were met and what standards need to be reinforced. Not only will district benchmark issues be addressed, but also now individual student data will be available to help current classroom teachers identify strengths and weaknesses of students that they have worked with for nearly six months.
The information that districts will be privy to will be invaluable to the school improvement process. Our district will continue to use state test results to help gauge the effectiveness of our curriculum and instruction as we strive for continuous improvement in efforts to increase student learning and performance.
Rockford Public Schools will use the new cut scores as we continue to prepare our students for success in school, college and beyond.


text:
China: Motor Nation
For years, Liu Tiantai coveted a car from a foreign auto maker. But the 40-year-old office equipment manager didn't like the limited choice and high sticker price of most joint-venture vehicles. Recently, however, new, affordable models have been appearing almost monthly, and Liu finally took the plunge, buying a Buick Sail SRV for $13,590. He uses the hatchback to drive to work, to ferry his wife and his 7-year-old son around Beijing, and to carry supplies among his company's many offices. "This is the car I've been longing to get," he says. "It's practical, inexpensive, and very useful for my business."
Liu is at the forefront of a consumer revolution. For years, most cars in China were sold to state institutions and companies, or ended up in taxi fleets. Now that's changing. "The rise of the private car buyer is historic," says Jia Xinguang, an analyst at China National Automotive Industry Development & Consulting Corp. in Beijing. "It will change the whole industry."
It's not just China's car industry that will feel the effects, but the entire global auto business. According to Automotive Resources Asia, a Beijing consultancy, car sales will grow 15% annually over the next few years and could more than double, to 2.5 million, by 2010. Mei Wei Cheng, chairman and chief executive of Ford Motor (China) Ltd., is even more optimistic. He expects Chinese to buy 5 million cars a year by 2010. "Chinese want quality cars with good safety features at an affordable price," he says.
In the coming years, more and more Chinese urbanites such as Liu will buy their first car, especially as prices drop. Until recently, cars were out of the reach of ordinary Chinese, including even members of the new middle class. But as tariffs on imported cars tumble in the wake of Beijing's accession to the World Trade Organization and a slew of new models come on the market, domestic auto makers are being forced to cut their prices. Adding fuel to the fire, late last year Geely Motor Co., a small private Chinese auto maker, slashed the price of its Haoqing model by 11%, to $4,700, sparking a price war that has driven down sticker prices 15% since January. Private citizens, armed with hefty savings and aided by a variety of installment plans, are flocking to dealerships.
Policy mandarins know the long-cosseted domestic auto industry must face competition if it is to reform. About 100 state-owned car companies still operate in China. Most lose money, and Beijing is keen to force them to consolidate. At the same time, the government is giving foreign companies more leeway to choose local partners, introduce new models, and move into distribution and after-sales service. "WTO is giving us more freedom," says Zhang Suixin, chief representative of Volkswagen China.
That, in turn, is prompting foreign auto makers to up their mainland investments. On June 4, the eve of the Beijing International Auto Show, General Motors Corp. (GM ) announced it would pay $30 million for a 34% stake in SAIC-Wuling Automotive Co., a minivan and minitruck producer in southwestern China. GM sees the investment as a way to get traction in a fast-growing niche. Earlier this year, Volkswagen (VLKAY ) announced it would move its Asia-Pacific headquarters from Wolfsburg, Germany, to Beijing. VW will also spend $2.7 billion over the next five years developing a new compact, building a transmission plant in Shanghai, and upgrading dealerships. For its part, Nissan Motor Co. (NSANY ) is widely expected to announce a tie-up with Dongfeng Motors, China's third-largest auto maker.
For most of these carmakers, the key for the next few years will be subcompacts and compacts that sell for $16,000 or less. GM led the charge with the launch last year of its 1.6-liter Buick Sail, with dual front air bags and anti-lock brakes. It is already going bumper-to-bumper with Volkswagen's $16,000 Polo and in the coming months will face competition from Toyota's $12,000 NBC5 and a 1.6-liter Ford compact.
With all the choice, car buyers can afford to be picky. In fact, Chinese consumers--who are often first-time buyers--often have unreasonably high expectations. That's because they devour the latest global auto trends from the plethora of car magazines, supplements, and TV shows flooding the market. As a result, buyers expect the newest models with the latest features--all at a low price. And Chinese demand premium after-sales service. In December, a zookeeper in Wuhan took a sledgehammer to a problem-plagued Mercedes that may simply have been suffering the effects of low-octane fuel. Says Philip Murtaugh, chairman and CEO of GM China Inc: "Their expectation of performance and reliability is perfection."
So carmakers are improving service. Even before the Buick Sail went on the market, GM was teaching its salespeople how to move metal and ensuring that sufficient parts were on hand. Ironically, it hasn't been so easy for Volkswagen, the pioneer. Because it was one of the first foreign auto makers in China, VW was forced to farm out its distribution and after-sales service to local partners that proved unprofessional and unmotivated. Over the past two years, VW has begun overhauling its dealer and parts network, bringing in trainers from Germany, installing a database of people who have visited VW promotional events but not bought a car, and allowing test drives--a rarity in China.
This being China, there remain roadblocks. The taxes and fees that municipalities levy on locally made cars can add as much as 50% to the purchase price. Duties on imported cars are still 44% to 51%. Finally, foreign auto makers say Beijing hasn't allowed them to make car loans, despite its WTO commitment to do so. Only 10% of autos are financed, says GM's Murtaugh.
Even with these hiccups, foreign auto makers are betting that China will continue to open up--including doing away with local taxes and allowing financing. That's because Beijing knows that more reform--and foreign investment--is the only way to build a strong domestic industry. Finally, it seems, China's auto market is reaching highway speed. No wonder foreign car companies are stepping on the gas.
By Dexter Roberts in Beijing, with Alysha Webb in Shanghai


text:
RPT-UPDATE 3-U.S. judge dismisses Rio Tinto lawsuit against Vale
(Repeats story published late Friday; no changes to text)
By Alonso Soto and Brendan Pierson
BRASILIA/NEW YORK Nov 20 (Reuters) - A U.S. judge on Friday dismissed Rio Tinto's lawsuit accusing rival Vale and others of conspiring to misappropriate its mining rights in the Simandou region in Guinea.
Simandou has some of the world's most valuable iron ore deposits. Rio Tinto had said in its April 2014 lawsuit that Vale had conspired with Israeli billionaire Beny Steinmetz and BSG Resources.
But U.S. District Judge Richard Berman in Manhattan said on Friday that Rio Tinto had waited too long to file the lawsuit after losing the mining rights in December 2008.
Under the Racketeer Influence and Corrupt Organizations Act, a U.S. anti-conspiracy law, the Anglo-Australian company would have had to sue within four years, the judge said.
"Judge Berman's decision was focused on a narrow point of law and he did not rule on the evidence Rio Tinto has been gathering in the case," Rio Tinto said in a statement. "Rio Tinto is free to both appeal Judge Berman's decision and pursue its claims in other forums, and is actively looking at all options."
Vale said it was very satisfied with the decision.
"From the start, Vale has kept the most solid conviction that those allegations were groundless," Vale said in an emailed statement. Continuación...


text:
Fast formula: The ballistic CLK63 'Black Series' is based on the F1 safety car.
4 December 2007
By TERRY MARTIN
MERCEDES-BENZ Australia/Pacific has secured 50 examples of its 'Black Series' CLK63 AMG and, having resolved a compliance issue with government authorities, will introduce the limited-edition two-seat super-coupe in the first quarter of 2008. More than half of these have been sold after dealers began taking orders mid-November.
To retail from $299,000 – around $100,000 more than the 'regular' CLK63 AMG – the even-more-ballistic Black version is based on the Formula One safety car and features a 373kW (up 19kW) version of the AMG 6.3-litre V8, which enables it to race from 0-100km/h in a claimed 4.3 seconds (0.3 seconds faster than the standard model). Top speed is a governed 300km/h (up 50km/h). Maximum torque remains at 630Nm.
Other mechanical highlights include a six per cent shorter final drive ratio for the AMG-tweaked 7G-Tronic seven-speed automatic gearbox, a newly developed and fully adjustable sports suspension, modified speed-sensitive power steering, bigger brakes (including 360x36mm composite discs up front), and 19-inch multi-spoke forged wheels with 265/30 front and 285/30 rear Pirelli P Zero Corsa tyres.
Visual treats include striking front air intakes, flared wheelarches, carbon-fibre rear diffuser fins and a carbon-fibre bootlid spoiler. Exclusive interior features include AMG sports bucket seats (wrapped in flame-retardant nylon velour), a 15mm-smaller steering wheel and a carbon-fibre-embedded AMG
instrument cluster calibrated to 320km/h.
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text:
S&P Raises Opinion on Take-Two
Take-Two Interactive (TTWO)
Upgrades to 3 STARS (hold) from 2 STARS (sell)
Analyst: Clyde Montevirgen
The shares are up 13% this morning following unconfirmed reports on Reuters that several large investors have pooled their stakes to vote for a slate of director candidates and ask for the power to replace the current CEO, among other objectives. The combined investment group has a reported 24.5% stake. We think that changes in management could lead to acceleration in fundamental improvement. We believe this news and lower fiscal year expectations reduces risk and improves investor sentiment. We are raising our discounted cash-flow-based 12-month target price by $7, to $22.
Federal Home Loan (FRE)
Maintains 3 STARS (hold)
Analyst: Stuart Plesser
Although Federal Reserve Chairman Ben S. Bernanke commented yesterday that Freddie and Fannie Mae (FNM) should be limited almost exclusively to holding home loans or securities that promote affordable housing, we remain dubious that further restrictions will be enacted because of strong support from the Democratic Party for these government sponsored enterprises. However, one possible outcome, rather than limiting retained portfolios, may be to raise minimum capital requirements. We are keeping our 12-month target price of $70, about 2 times our 2006 book value estimate.
Spectrum Brands (SPC)
Maintains 2 STARS (sell)
Analyst: Loran Braverman, CFA
Spectrum has released revised fiscal 2006 (ended September) quarterly information breaking out segment profitability for the Home & Garden business. This business was reclassified as discontinued in the first quarter of fiscal 2007. However, the revised income statements do not indicate what portion of corporate and interest expenses should be attributed to this segment. Based on the information we currently have and on a higher effective tax rate assumption, we are reducing our fiscal 2007 EPS estimate for Spectrum by 14 cents to 38 cents, and lowering our p-e-based 12-month target price by 50 cents to $8.
ON Semiconductor (ONNN)
Ups to 4 STARS (buy) from 3 STARS (hold)
Analyst: Clyde Montevirgen
Our upgrade is primarily on valuation, as the share price has fallen about 10% over the past couple of weeks. Although we believe the addressable market will experience below-industry growth this year, we think conditions are improving, and we see stronger growth prospects toward the end of the year. We also believe ON Semiconductor's recent refinancing measures will aid profitability, and that its earnings potential calls for higher multiples. We are raising our 12-month target price $2 to $13, based on discounted cash flow and relative metrics.
Simon Property (SPG)
Ups to 5 STARS (strong buy) from 4 STARS (buy)
Analyst: Robert McMillan
After a recent decline, we think the Simon Property shares offer significant appreciation potential on a total return basis. We think Simon Property, as the largest retail-oriented REIT in the U.S., will continue to be a major beneficiary of retailer expansion and healthy retail spending. We also believe the planned acquisition of Mills Corp (MLS) will broaden its mall portfolio and generate increased operating efficiencies (pending approvals). We are maintaining our 2007 and 2008 per-share funds from operations estimates of $5.80 and $6.27, and our $122 target price. Simon Property yields 3.1%.
Payless ShoeSource (PSS)
Ups to 4 STARS (buy) from 3 STARS (hold)
Analyst: Mark Basham
Jan. quarter EPS of $0.38 vs. $0.01 loss exceeds our $0.06 estimate, mostly on $0.22 non-recurring tax benefit. The upside also reflects 14-week quarter, but even on a comparable 13-week basis, EPS was sharply above our estimate. Payless ShoeSource plans to acquire the privately held retail brand management company Collective International for $91 million in cash, which would let Payless ShoeSource secure ownership of its Airwalk brand and establish a license revenue opportunity. We are upping our 2008 (Jan.) estimate by $0.10 to $1.75, initiating 2009 at $2.05, and raising our 12-month target price by $4, to $40.