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I'm a 35 female,had a type of laser lipo done under my chin about a year and half ago. i didn't even have that much fat to begin with and really should have not had anything done,now it's the biggest regret of my life. When i lift my chin i see tiny little dents and lines, when relaxed it looks lumpy and uneven with loose skin. how can i correct this without have a neck lift/face lift and more scars? will fat grafting or skin tightening lasers put me back to how i use to look before the surgery?
Laser Lipo Under my Chin - Any Way to Reverse It?
Doctor Answers 5
Adverse effects of laser lipolysis
I have treated a few cases of laser lipolysis espeically on the neck and chin area. I can understand how u must feel. sometimes these lumps are just localize fat deposits that didnt go away with the procedure. othertimes these could be scars. infact i have presented my case series of at least 50 cases of complications of laser lipolysis in europe and I have seen these scars under a microscope. they can be very deep. my best advice to you is to find someone who knows what they are doing. esp if u dont wanna go thru neck lift. and do u homework well. this can be fixed without neck lift (I have done that several times) but u need to be evaluated and your doctor needs to be fully aware of your expectations so that he or she can be realistic about it. best of luck!
Laser Lipo of Chin
Thank you for your question. I recommend you see a Board Certified Plastic Surgeon, and consider a submental tuck where they can visualize the area, and correct the defects if possible. I hope this helps.
Fat Injection Can Reverse Laser Lipo Under Chin
Thank you for your question. I am sorry to hear of your result. When properly performed, in my experience, Laser Lipo typically leaves smooth skin after surgery.
Fat Injection by an experienced Board Certified Plastic Surgeon who does Fat Injections should be able to restore the skin under your chin.
Learn more: http://drseckel.com/boston-laser-liposuction/slim-liposuction-selective-laser-induced-melting-of-fat/
You might also like...
Laser lipo and contour issues
Sorry that you are unhappy with your result. Contour irregularities may improve with fat injection or neck lifting techniques.
Sorry to hear your unhappy, unfortunately theirs nothing to reverse the Liposuction. Lasers would help with tightening of your skin. I would look into possible a neck lift.
These answers are for educational purposes and should not be relied upon as a substitute for medical advice you may receive from your physician. If you have a medical emergency, please call 911. These answers do not constitute or initiate a patient/doctor relationship.


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Alternative Titles
Japanese: 愛しのベティ 魔物語
Type: Movie
Episodes: 1
Status: Finished Airing
Aired: Jul 19, 1986
Producers: Big Bang
Licensors: None found, add some
Studios: None found, add some
Source: Unknown
Duration: 55 min.
Rating: R+ - Mild Nudity
Score: 5.051 (scored by 22 users)
1 This score is not weighted. Please note that 'Not yet aired' titles are excluded.
Ranked: #96682
2 based on the top anime page. Please note that 'Not yet aired' and 'R18+' titles are excluded.
Popularity: #10549
Members: 157
Favorites: 0

subset: commoncrawl


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We Bring the Future to the Present
Calejo Future Intelligence provides forecasting, predictive analysis, consulting and future studies as a support for Business Excellence and making improved strategic future and investment decisions. At the core of the concept is a unique, self-developed forecasting model that uses artificial neural networks (ANN).
With the help of self-learning systems Calejo helps customers to accurately identify reliable historic and future complex trends and patterns across a range of preselected and strategically important information categories.
Beyond the latest research
Calejo works at the very forefront of research – and beyond. We have developed the algorithms beyond the latest scientific papers and have adapted them specifically for our markets.
Calejo distinguishes itself from competitors by including in its models a large amount of fundamental data and taking account of frequency shifts in market movements. This makes it unique in the commodity market.
All results shown have also been cross validated, which entirely compensates for the effects of any over-interpretation of results. Cross validation is an extremely strict test, which few statistical models can manage.
We always get it right
In the Calejo´s dedicated forecasts so far the proportion of correct price trends is approximately 80 percent for all time horizons over six months. Looking 10-24 months ahead, the forecast lies very close to actual price evolution.
Forecast model
ANN exploits the full capacity of the brain Artificial neural networks, ANN, is a system…
Bright Market Insight (BMI) Timber
Calejo has developed an exclusive forecasting model for logs and sawn timber products in Scandinavia.…
Calejo Future Intelligence was established in May 2009. The Company provides forecasting, predictive data analysis and…
Bright Market Insight (BMI) Pulp
Calejo offers a dedicated forecast model for pulp (NBSK) based on artificial neural networks (ANN).…
Future Intelligence
What is Future Intelligence? Future Intelligence predicts decisive shifts in society and technology and registers…
Predictive Data Analysis
Using our unique expertise in Artificial Intelligence and robotics, we provide customized support initiatives to…
We are Calejo
- Carl Johard Managing Director/Marketing
- Leonard Johard Technical Director and Head of Caleo´s Forecast Model
- Håkan Freudenthal Sales Director
- Einar Stensson Partner, Director Production & Support


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It is hard to believe that Argentina coach Alejandro Sabella would exclude fan favorite Carlos Tevez, the leading scorer in Italy's Serie A, from the World Cup team. But it looks like that is what he is going to do, and fans are so angry they are going to social media and the streets.
On Friday, they held a protest march in Buenos Aires, demanding that their beloved "Carlitos" get a spot on the squad.
Tevez is the leading scorer for first-place Juventus this season with 18 goals, and is tied for the league lead. He previously played at Manchester United and Manchester City, and has always been popular with fans because of his humble beginnings and his tough style of play. He is actually favoured by many fans over Lionel Messi, who is seen as a golden boy who left for Spain at a young age.
But Tevez fell out of favour with Sabella, and has not played for the national team since the 2011 Copa America.
"I've got confidence in the strikers that I have. They are all stars at the highest level," Sabella said after Argentina's 0-0 tie in a friendly on March 5 against Romania.
It is hard to argue that the Argentina roster is already loaded with Messi, Gonzalo Higuain, Sergio Aguero, Ezequiel Lavezzi and Angel Di Maria. But Tevez is a world-class player who deserves a shot to make his nation's World Cup team.
Juventus general manager Beppe Marotta is disappointed Tevez is being left out.
"Clearly Tevez is a man and therefore aspires to wear the jersey of his country, especially at a World Cup," Marotta told Sky Sport Italia.
"He deserves it for his talents, but the coach makes his decisions. I think it is down to non-football situations we don't know. As a professional, Tevez accepts this decision with disappointment, but understanding, realising he can gain satisfaction elsewhere in his career."


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Father: John Stream b: 1588 in Wymondham, Norfolk, Ma, Eng
Mother: Elizabeth Whitman b: 1599 in Wymondham, Norfolk, Ma, Eng
Marriage 1 Ensign Samuel Packard
RootsWeb.com, Inc. is NOT responsible for the content of the GEDCOMs uploaded through the WorldConnect Program. If you have a problem with a particular entry, please contact the submitter of said entry. You have full control over your GEDCOM. You can change or remove it at any time.


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Southern West Virginia Miner's Memorial
Dedicated by UMWA District 17, August 15, 1998
Dedicated by UMWA District 17, August 15, 1998
In memory of the coal miners
of Southern West Virginia
who perished from mine
accidents or lung disease.
*** May they rest in peace. ***
The flash-black colored granite is from Africa and weighs nearly eight tons.
Location: Twin Falls Resort State Park
Rt. 97
Near: Pineville, Wyoming County, WV


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" Brand: Asda / Type: Facial Wash / Suitable for: Face / Skin type: for dry skin and for all types / Product line: Asda Essential Care "
I've been using the Asda essential care Vitamin E facial wash for a few months now, and have been reasonably pleased with it. In this range they also have a toner, moisturising lotion and face wipes.
~~ The packaging ~~
The packaging is not like the one Dooyoo have in the above picture. It is a 100ml tube of facial wash, and the tube stands upright on it's lid. The lid is a large flip top lid, which is very easy to use. The tube is white, with a big brown 'Vitamin E' logo. With 'Asda essential care - facial wash' around the logo.
~~ Using the product ~~
Basically to use this face wash, all you need to do is massage it in to wet skin on your face and neck. Then rinse off.
I find you only need to use a pea sized amount of the product to get a good lather, so a 100ml bottle lasts absolutely ages.
The tube is also very easy to use, as the wash is not too runny so it is easy to get the right amount you need, to cut down on waste.
The facial wash is white in colour, and has almost no smell, and leaves your skin feeling clean and fresh.
On the back of the tube, they claim it leaves your skin feeling clean and soft, and whilst I wouldn't argue that it doesn't leave your skin feeling clean, I do feel my skin feels a little tight after using it, so I always have to follow using this with moisturising cream.
It is also suitable for all skin types.
~~ Price ~~
This bottle cost me 70p a few months ago, which is excellent value for a facial wash that has already lasted a good few months.
~~ My opinion ~~
For an every day facial wash I feel this performs well. It does exactly what it is meant to, my face is left feeling clean and fresh. My only gripe with it is the fact it leaves your skin feeling a bit tight afterward, but as soon as I've moisturised, it's fine. At 70p a tube, I wouldn't hesitate to buy it again.
Firstly I must say that Dooyoo have called this the correct product on the link you click on but the photograph and title on this page is wrong! Dooyoo I don't know how you make these mistakes sometimes lol! So before I go on I must tell you that I have let the guides know to change that!
So the product I'm reviewing is Asda 'Essential Care' Vitamin E Cleansing Lotion which 'removes make-up and impurities, contains added moisturisers and is fragrance free & dermatologically tested'. It comes in a white 150ml tall good quality bottle with a see through screw on/off lid to the top if it. On the back of the bottle I'm told a bit about the product and given directions for use, ingredients and warnings are given, a price promise (if not entirely satisfied with the product for ANY reason) is given along with contact details for Asda, size is stated and I'm told that it's suitable for vegetarians and finally there is bar-code on there. Although this costs about 79p a bottle to buy it doesn't scream cheap, gives all the information you could possibly need and is functional.
A Bit About The Product According To The Back Of The Bottle....
Formulated to remove make-up and impurities
Leaves the skin feeling clean, soft & smooth
Fragrance-free & dermatologically tested
Use as a part of your daily skin care regime
Suitable for all skin types
This range also includes face wash, toner, moisturiser and day & night cream
Directions for Use....
Gentle massage over face and neck. Wipe away with cotton wool.
Me Using It...
The white thick lotion of this is as promised is none fragranced. You have to squeeze the bottle to get some out and I always dispense some on to cotton wool and you really only need a little as it has a slight grease content to it and a little, therefore goes a long way.
Simply sweep it over make up (even waterproof and hard wearing stuff) it cuts through the grease, grime and muck with ease and deep cleanses in a mild and gentle way.
It removes everything in my opinion, is economical to use and leaves skin not only looking and feeling clean but the skin is left incredibly soft and smooth to the appearance and to the touch.
Easy to use... this is gives great results every time, is gentle to the skin, economical and in my opinion great on sensitive, slightly aging skin like mine. Particularly nice to use on skin that is slightly dry and/or parched after a day sunbathing and the likes due to it's slight moisturising properties (though it isn't a heavy feeling product on the skin) and of course as usual toning after using this product is optional.
A great little cheap and cheerful product that gives great day-to-day results!
Only available in Asda stores.
I always like to get a bargain and I'm always looking for ways of saving money (especially at the moment!), I'm also no brand snob and I'm quite willing to try own brand versions of the big names - why not at least give them a go? So, for all of these reasons, I decided to try Asda Essential Care Facial Wash in place of my usual brand. And I'm SO glad I did!
So what is it? Asda Essential Care Vitamin E Facial Wash is a fragrance free facial wash with added moisturisers. The tube is a white colour with large, beige 'e' on the front and contains 100 ml of the wash inside. The facial wash itself is a white colour with quite a creamy consistency. It doesn't have much of a smell as it's fragarance free but has that slight subtle smell that all unfragranced things have!
Good things? Well, the first thing to note about the facial wash is value for money! At only 70p per tube this is truly a BARGAIN! You also don't need to use much really as it lathers up really well so a 100 ml tube will easily last me a couple of weeks. It's also currently on offer at 2 tubes for £1!!! But of course cheap is only good if the product does what you need it to and I have to say that this wash does. It is easy to lather and apply to my skin, washes off easily, leaves my skin feeling clean and refreshed and doesn't leave me with dryness or any greasyness. I have slightly oily skin and often have trouble finding skin-care products that don't either leave me still feeling a bit greasy or completely over drying my skin but this facial wash is just right for me.
Bad things? I really have no complaints about this facial wash at all!
For such a bargain price I'd say you have nothing to lose so give it a try!


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VICTORIA Police has praised the behaviour of New Year's Eve revellers.
Around the state, 356 people were arrested on Monday night, including 240 arrests of drunk people, but Deputy Commissioner Tim Cartwright said this was an improvement on the 400 arrests of drunk people in 2010.
''[It's] still too many, but it's good to see that we've had some improvement,'' Mr Cartwright said on Tuesday.
Officers made 182 arrests for assaults and recorded 55 drink-driving offences.
In seaside Lorne, an 18-year-old man was stabbed in the chest during a fight just before midnight. He was taken by air ambulance to The Alfred hospital in a serious but stable condition.
Ambulance crews were kept busy attending dozens of jobs, including many drug overdoses. A 15-year-old boy was one of more than 30 people to overdose in country Victoria.
Ambulance Victoria was extremely busy after midnight, attending violent incidents including glassings and assaults. A 22-year-old man in Melbourne suffered burns to his forearm and hand when fireworks he was holding exploded.
The police blitz of Melbourne's CBD resulted in 39 drunk and 17 assault arrests, out of an estimated 550,000 people watching city fireworks.


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Focus on Economic Data: The Federal Reserve and Monetary Policy, Sept. 23, 2009
The Federal Open Market Committee (FOMC) of the Federal Reserve System (Fed) meets approximately every six weeks to determine the nation's monetary policy goals and, specifically, to set the target for the federal funds rate (fed funds rate). The fed funds rate is the interest rate at which banks lend their balances at the Federal Reserve to other banks, usually overnight.
This lesson focuses on the September 23, 2009, press release by the Federal Open Market Committee on the current Federal Reserve monetary policy actions and goals. Lessons in September, November, and December, 2009, will address more specific issues of Fed policy tools, policy options, and new Fed programs to counter recessionary pressures and the current financial market problems.
- Explain the meaning of the September 23, 2009 Federal Open Market Committee decision concerning the target for the federal funds rate.
- Identify the current monetary policy goals of the Federal Reserve and the factors that have recently influenced monetary policy goals.
- Explain the structure and functions of the Federal Reserve System, Federal Reserve Banks, and the Federal Open Market Committee.
- Identify the monetary policy options and other tools available to the Federal Reserve to stimulate or contract the economy.
The September 23, 2009, Federal Open Market Committee (FOMC) "Monetary Policy" press release:
"Information received since the Federal Open Market Committee met in August suggests that economic activity has picked up following its severe downturn. Conditions in financial markets have improved further, and activity in the housing sector has increased. Household spending seems to be stabilizing, but remains constrained by ongoing job losses, sluggish income growth, lower housing wealth, and tight credit. Businesses are still cutting back on fixed investment and staffing, though at a slower pace; they continue to make progress in bringing inventory stocks into better alignment with sales. Although economic activity is likely to remain weak for a time, the Committee anticipates that policy actions to stabilize financial markets and institutions, fiscal and monetary stimulus, and market forces will support a strengthening of economic growth and a gradual return to higher levels of resource utilization in a context of price stability."
The FOMC announcement began with an assessment of current economic conditions and the trends since August, 2009. The committee's conclusion was that the economy continues to be "weak" although the pace of problems seems to be moderating, and that continued monetary stimulus is required.
Is the recession over? Until the National Bureau of Economic Research "Business Cycle Dating Committee" declares that the business cycle has hit the bottom and begun to recover, the recession is not "officially" over. The NBER constantly monitors economic activity, including employment, GDP growth, etc. to assess the health of the economy. It was the NBER that identified the beginning of the current recession as December, 2007, but did so a year after that date. The recession may be over or it may not. In any case, growth is slow and employment continues to decline. This is what the FOMC members were thinking.
The committee added that the potential for inflation is small. "With substantial resource slack likely to continue to dampen cost pressures and with longer-term inflation expectations stable, the Committee expects that inflation will remain subdued for some time." In the past, preventing inflation has been clearly identified as the Fed's number one objective. Some have feared that recent Fed policies would put pressures on prices to rise, but that has not happened to any significant degree.
Policy Actions
Next, the announcement identified it's policy recommendations. "In these circumstances, the Federal Reserve will continue to employ a wide range of tools to promote economic recovery and to preserve price stability. The Committee will maintain the target range for the federal funds rate at 0 to 1/4 percent and continues to anticipate that economic conditions are likely to warrant exceptionally low levels of the federal funds rate for an extended period. To provide support to mortgage lending and housing markets and to improve overall conditions in private credit markets, the Federal Reserve will purchase a total of $1.25 trillion of agency mortgage-backed securities and up to $200 billion of agency debt. The Committee will gradually slow the pace of these purchases in order to promote a smooth transition in markets and anticipates that they will be executed by the end of the first quarter of 2010. As previously announced, the Federal Reserve's purchases of $300 billion of Treasury securities will be completed by the end of October 2009. The Committee will continue to evaluate the timing and overall amounts of its purchases of securities in light of the evolving economic outlook and conditions in financial markets. The Federal Reserve is monitoring the size and composition of its balance sheet and will make adjustments to its credit and liquidity programs as warranted."
The bottom line: The federal funds rate target will remain the same range as was set in December, 2008, at 0 to 1/4 percent. The committee voted unanimously in favor of this policy statement.
National Economic Goals
The Employment Act of 1946 established the national economic goals of "maximum employment, production, and purchasing power." Among other things, the act requires the President to submit an annual economic report within ten days of the submission of the national budget that forecasts the future state of the economy, including employment, production, capital formation, and real income statistics. It created the Council of Economic Advisers, an appointed advisory board that will advise and assist the President in formulating economic policy, and the Joint Economic Committee, a committee composed of both senators and representatives instructed to review the government's economic policy at least annually.
The Federal Reserve System is responsible for implementation of policies to achieve the employment, growth and purchasing power goals. The Federal Reserve Board Chairman, currently Ben S. Bernanke, is required by law to regularly report to Congress on the activities of the Fed and progress toward the national economic goals.
Policies to stimulate or contract the economy fall into three categories, fiscal, monetary or regulatory. Fiscal policies involve government spending or using taxes to increase or slow down economic activity. Monetary policies are those policies that impact the money supply and interest rates. Regulations or incentives can be used to stimulate or control business activities.
|Fiscal Policy Options
|Stimulatory policies
|Reduce taxes or increase spending
|Contractionary policies
|Increase taxes or reduce spending
|Montetary Policy Options
|Stimulatory policies
Lower federal funds rate
|Contractionary policies
Increase federal funds rate
|Regulatory Policy Options
|Stimulatory policies
|Reduced regulation
Increased incentives
|Contractionary policies
|Increased regulation
Decreased incentives (disincnetives)
Monetary Policy
The term "monetary policy" refers to the actions undertaken by a central bank, such as the Federal Reserve, to influence the availability and cost of money and credit to help promote national economic goals. The Federal Reserve Act of 1913 gave the Federal Reserve responsibility for setting monetary policy.
The Federal Reserve controls three tools of monetary policy, open market operations, the discount rate and bank reserve requirements. The Board of Governors of the Federal Reserve System is responsible for the setting the discount rate and bank reserve requirements, and the Federal Open Market Committee is responsible for open market operations. Using these tools, the Fed influences the demand for, and supply of, balances that depository institutions hold at Federal Reserve Banks and in this way alters the federal funds rate. The federal funds rate is the interest rate at which depository institutions lend balances at the Federal Reserve to other depository institutions overnight.
Changes in the federal funds rate trigger a chain of events that affect other short-term interest rates, foreign exchange rates, long-term interest rates, the amount of money and credit, and, ultimately, a range of economic variables, including employment, output, and prices of goods and services.
In an online publication, "The Federal Reserve's Response to the Financial Crisis," the Fed explains its recent expansion of policy actions. "The Federal Reserve has responded aggressively to the financial crisis since its emergence in the summer of 2007. The reduction in the target federal funds rate from 5-1/4 percent to effectively zero was an extraordinarily rapid easing in the stance of monetary policy. In addition, the Federal Reserve has implemented a number of programs designed to support the liquidity of financial institutions and foster improved conditions in financial markets. These new programs have led to a significant change to the Federal Reserve's balance sheet."
Figure 1 shows the recent history of the federal funds rate target. Note that the target has been quickly decreased from 5 1/4 percent in 2007 and to the current 0 to 1/4 percent that was set in December, 2008.
The three policy tools, which are closely tied to the central bank's traditional role as the lender of last resort, involve the provision of short-term liquidity to banks and other depository institutions and other financial institutions. The Fed also provides liquidity directly to borrowers and investors in key credit markets through the Term Asset-Backed Securities Loan Facility, the Commercial Paper Funding Facility, the Asset-Backed Commercial Paper Money Market Mutual Fund Liquidity Facility, and the Money Market Investor Funding Facility.
Recently, the Federal Reserve has expanded its traditional tool of open market operations to support the functioning of credit markets through the purchase of longer-term securities for the Federal Reserve's portfolio. The September 23 announcement of the continued purchases of securities is an example of these actions.
Open Market Operations
According to the Federal Reserve, "open market operations (OMOs) -- the purchase and sale of securities in the open market by a central bank -- are a key tool used by the Federal Reserve in the implementation of monetary policy." Historically, the Fed has used open market operations to adjust the supply of reserve balances so as to keep the federal funds rate around the target federal funds rate established by the Federal Open Market Committee (FOMC). Open market operations are conducted by the Trading Desk at the Federal Reserve Bank of New York.
"Permanent OMOs are generally used to accommodate the longer-term factors driving the expansion of the Federal Reserve's balance sheet -- primarily the trend growth of currency in circulation. Permanent OMOs involve outright purchases or sales of securities for the System Open Market Account, the Federal Reserve's portfolio. Temporary OMOs are typically used to address reserve needs that are deemed to be transitory in nature. These operations are either repurchase agreements (repos) or reverse repurchase agreements (reverse repos). Under a repo, the Trading Desk buys a security under an agreement to resell that security in the future. A repo is the economic equivalent to a collateralized loan, in which the difference between the purchase and sale prices reflects interest."
The Fed explains recent changes in monetary policy actions, "The Federal Reserve's approach to the implementation of monetary policy has evolved considerably since 2007, and particularly so since late 2008. The FOMC has established a near-zero target range for the federal funds rate, implying that the very large volume of reserve balances provided through the various liquidity facilities is consistent with the FOMC's funds rate objectives. In addition, open market operations have provided increasing amounts of reserve balances. Specifically, to help reduce the cost and increase the availability of credit for the purchase of houses, on November 25, 2008, the Federal Reserve announced that it would buy direct obligations of Fannie Mae, Freddie Mac, and the Federal Home Loan Banks and mortgage-backed securities (MBS) guaranteed by Fannie Mae, Freddie Mac, and Ginnie Mae."
Proving Liquidity to Banks
The Fed uses the discount window to "relieve liquidity strains for individual depository institutions and for the banking system as a whole by providing a source of funding in time of need." The Fed provides three types of discount window credit--primary credit, secondary credit, and seasonal credit. In December of 2007, the Federal Reserve introduced the Term Auction Facility (TAF), which provides credit to depository institutions through an auction mechanism. All regular discount window loans and TAF loans must be fully collateralized to the satisfaction of the lending Reserve Bank - the value of the collateral must exceed the value of the loan."
"Primary credit is a lending program available to depository institutions that are in generally sound financial condition. Because primary credit is available only to depository institutions in generally sound financial condition, it is generally provided with minimal administrative requirements; for example, there are essentially no usage restrictions on primary credit. Before the current financial crisis, primary credit was available on a very short-term basis, typically overnight, at a rate 100 basis points above the Federal Open Market Committee's (FOMC) target rate for federal funds. The primary credit facility helps provide an alternative source of funding if the market rate exceeds the primary credit rate, thereby limiting trading at rates significantly above the target rate."
"Secondary credit is available to depository institutions that are not eligible for primary credit. It is extended on a very short-term basis, typically overnight, at a rate 50 basis points above the primary credit rate. In contrast to primary credit, there are restrictions on the uses of secondary credit extensions. Secondary credit is available to meet backup liquidity needs when its use is consistent with a timely return by the borrower to a reliance on market sources of funding or the orderly resolution of a troubled institution. Secondary credit may not be used to fund an expansion of the borrower's assets. Moreover, the secondary credit program entails a higher level of Reserve Bank administration and oversight than the primary credit program."
The seasonal credit program "assists small depository institutions in managing significant seasonal swings in their loans and deposits. Eligible depository institutions may borrow term funds from the discount window during their periods of seasonal need, enabling them to carry fewer liquid assets during the rest of the year and, thus, allow them to make more funds available for local lending. The interest rate applied to seasonal credit is a floating rate based on market rates. Seasonal credit is available only to depository institutions that can demonstrate a clear pattern of recurring intra-yearly swings in funding needs. Eligible institutions are usually located in agricultural or tourist areas."
"On December 12, 2007, in view of pronounced strains in term bank funding markets, the Federal Reserve announced the creation of the Tern Auction Facility (TAF). Under the TAF program, the Federal Reserve auctions term funds to depository institutions. All depository institutions that are eligible to borrow under the primary credit discount window program are eligible to participate in TAF auctions. All advances must be fully collateralized with an appropriate haircut."
Note: A "haircut" is the difference between the value of a loan and the value of the collateral securing that loan – the spread or margin. An asset's market value may be reduced by this margin for the purpose of calculating a capital requirement, margin or level of required collateral.
How Do Federal Reserve Policies Impact the Economy?*
The Federal Reserve can't control inflation or influence output and employment directly. Instead, it affects them indirectly, mainly by raising or lowering a short-term interest rate called the "federal funds" rate. Most often, it does this through open market operations in the market for bank reserves, known as the federal funds market.
Banks and other depository institutions, such as banks, keep a certain amount of funds in reserve to meet unexpected outflows. Banks can keep these reserves as cash in their vaults or as deposits with the Fed. In fact, banks are required to hold a certain amount in reserves. But, typically, they hold even more than they're required to in order to clear overnight checks, restock ATMs, and make other payments.
From day to day, the amount of reserves a bank wants to hold may change as its deposits and transactions change. When a bank needs additional reserves on a short-term basis, it can borrow them from other banks that happen to have more reserves than they need. These loans take place in a private financial market called the federal funds market.
The interest rate on the overnight borrowing of reserves is called the federal funds rate or simply the "funds rate." It adjusts to balance the supply of and demand for reserves. For example, if the supply of reserves in the fed funds market is greater than the demand, then the funds rate falls, and if the supply of reserves is less than the demand, the funds rate rises.
Suppose the Fed wants the funds rate to fall. To do this, it buys government securities from a bank. The Fed then pays for the securities by increasing that bank's reserves. As a result, the bank now has more reserves than it wants. So the bank can lend these unwanted reserves to another bank in the federal funds market. Thus, the Fed's open market purchase increases the supply of reserves to the banking system, and the federal funds rate falls.
When the Fed wants the funds rate to rise, it does the reverse, that is, it sells government securities. The Fed receives payment in reserves from banks, which lowers the supply of reserves in the banking system, and the funds rate rises.
* Summarized from the Federal Reserve online publication, "About the Fed: What Are the Tools of U.S. Monetary Policy? "
How will the Fed Programs Help Consumers?
These Fed programs will not provide direct assistance to consumers. The TALF program will provide loans to investment companies to purchase securities that are backed by consumer debt. This will enable greater lending for purchases of automobiles, education loans, consumer credit purchases and small business loans. The loans will be to investors, such as hedge funds, private equity firms and mutual funds. The investors will work with the large banks and securities firms - the "primary dealers" who purchase securities directly from the Federal Reserve. As the securities are purchased, the banks and other firms that make consumer loans will have more available funds for loans directly to consumers - most likely at lower interest rates.
The current recession (beginning in December 2008) is characterized by reduced personal consumption expenditures and decreased private investment by firms and households. These problems are primarily a product of the frozen credit markets that resulted from the rapid decrease in housing prices and the resulting decrease in the value of the "mortgage-backed securities." Because the true value of many of these securities cannot be determined and the secondary markets for them are not effectively determine market prices, they cannot be bought and sold. Assets that have a value derived from an underlying security (a mortgage-backed security is based on the value of the pooled mortgages) are often referred to as "derivatives."
What Are Mortgage-backed Securities?
According to the U.S. Securities and Exchange Commission, mortgage-backed securities (MBS) are "debt obligations that represent claims to the cash flows from pools of mortgage loans, most commonly on residential property. Mortgage loans are purchased from banks, mortgage companies, and other originators and then assembled into pools by a governmental, quasi-governmental, or private entity. The entity then issues securities that represent claims on the principal and interest payments made by borrowers on the loans in the pool, a process known as securitization." [Source: Mortgage Backed Securities ]
Other Key Terms Related to the Mortgage-Backed Securities Problem
A security is a tradable contract that carries a specified value. A security represents ownership (i.e., a stock), a debt agreement (i.e. bonds), or the rights of ownership is the process of taking an illiquid asset, or group of assets, and through financial engineering, transforming them into a security. A typical example of securitization is a mortgage-backed security (MBS), which is a type of asset-backed security that is secured by a collection of mortgages.
Securitization is the process of taking an illiquid asset, or group of assets, and through financial engineering, transforming them into a security. A typical example of securitization is a mortgage-backed security (MBS), which is a type of asset-backed security that is secured by the value of a group of mortgages.
Derivatives are financial instruments whose performance is derived, at least in part, from the performance of an underlying asset, security or index". [Source: Derivatives ] For example, a mortgage-backed security is a derivative because its value changes based on price changes of the underlying group of mortgages."
The September 23, 2009, FOMC announcement reconfirmed the direction of monetary policy that has been in place since December 2008 and hinted that the worst may be over and recovery near.
"Information received since the Federal Open Market Committee met in August suggests that economic activity has picked up following its severe downturn. Conditions in financial markets have improved further, and activity in the housing sector has increased. Household spending seems to be stabilizing, but remains constrained by ongoing job losses, sluggish income growth, lower housing wealth, and tight credit. Businesses are still cutting back on fixed investment and staffing, though at a slower pace; they continue to make progress in bringing inventory stocks into better alignment with sales. Although economic activity is likely to remain weak for a time, the Committee anticipates that policy actions to stabilize financial markets and institutions, fiscal and monetary stimulus, and market forces will support a strengthening of economic growth and a gradual return to higher levels of resource utilization in a context of price stability."
"The Committee maintained the existing target range for the federal funds rate at 0 to 1/4 percent."
What will have to happen for the economy to turn around?
- What will it take for consumers and businesses to be more confident?
- Will more money or more liquidity solve the financial services industry problems?
- Will consumers change their behavior and use credit more carefully?
- Should credit markets be more regulated so that risk in the system is reduced?
- Will we have learned from our past experiences with "bubbles" (dot.com, housing, etc.) to not rely on continuously increasing values as a basis for our investment and consumption decisions?
Next, answer the essay question below on the interactive notepad.
1. How does the Federal Reserve create money and stimulate the economy through open market operations?
The Federal Reserve System includes twelve regional Federal Reserve Banks. For a map of the districts, go to The Twelve Federal Reserve Districts
. Click on the region where you live and you will go to the web site of your regional Federal Reserve Bank.
Each regional bank web site will have a variety of links to regional data, commentary on current conditions and historical economic data. Take a look at the information about your region.
- What are the region's strengths and weaknesses?
- What industries are doing well and/or suffering?
- What are the policy concerns of the Fed and banks in the region?
Look at the region's economic indicators - employment and regional GDP growth.
- How is your region doing compared to the nation?
- How is your region doing compared to neighboring regions?


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Shark Week Day 3!
It's Day 3 of shark-related videos on my blog for #SharkWeek and this one is one of my favorites.
My cat would probably be too terrified of a roomba to actually ride on one. Props to the bravery of this little guy. If this doesn't put a smile on your face I don't know what will!!
You Are Welcome.


text:
About the Book
The Primrose is a a faerie tale derived from German legend. In this poignant tale you meet Mika who is on a journey that will bring him more than what his father sent him to find!
Features & Details
- Category Children
Small Square, 7×7 in, 18×18 cm
26 Pages
- Publish Date Oct 26, 2009
- Tags primrose, fairie, fairy, faerie, legend, story, tale, mika, boy, child, flower, myth, german, yarn, magic, treasure, forest, fortune, goddess, wood, woodsman, youth, juvenile, berchta, maidenshade, hopkins, swan
About the Creator
What They Say Impelled by the artists in her family and encouraged by those inspired and touched by her work, entrepreneur, artist, and author Jennifer Swan Hopkins opened two on-line businesses and began selling her art, literature, and functional pieces to the retail market in 2007. A Minnesota native, her work can be found throughout North America, Australia and the UK. She offers a unique alliance of art, writing, and function. Original ideas become a unique and beautiful expression; forgotten bits of history or legend are reincarnated through her charming interpretations and find their way onto canvases, tapestries, shades, books and boxes. Her mixed media works feature techniques incorporating assemblage, canvas work, collage, altered art, writing, and pure creative energy. email: email@example.com Art: http://StudioCygne.us Shades: http://MaidenShade.com Blog: http://InThrees.net
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text:
Selling Your BusinessSubmitted by manyeshab on Fri, 05/11/2012 - 15:39
Here are expert tips on how you can avoid snafus in the sale while maximizing your profit.
Editor's note: This is Miriam V. Gold's first column for Beauty Store Business. Jean Warshaw will return with her column in our July issue.


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WWE 2K14 Review
There's a very simple question that you need to answer if you're thinking about playing WWE 2K14: do you consider yourself to be a fan of WWE?
If your answer is "yes", then stick around, because we've got things to talk about.
If your answer is, "no, naturally, I have no interest in wrestling you massive nerd", then what the hell are you doing here?
Maybe you thought that WWE 2K14 is a game that could be enjoyed by someone who isn't interested in wrestling?
Maybe you thought that, like the FIFA and PES series, the game is compelling enough in and of itself that it's not necessary to be engaged with the source material in order to get something out of it?
Well, you couldn't be more wrong.
WWE 2K14 is generous with modes and content, blessed with a plethora of customisation options and is almost unparalleled as an example of fan service.
Almost everything that surrounds the game itself is brilliant. The problem is that the game that is at the centre of all that, the one that you'll actually be playing, isn't very good.
WWE 2K14: The Combat
At a base level, WWE 2K14 is the same WWE game we've been playing for the last couple of years.
That's not to suggest that there haven't been tweaks made to the combat through WWE '13 and WWE 2K14, because there certainly have.
It's simply to say that, in spite of those small improvements, this is still the shoddy looking, plodding and sometimes frustrating combat system that we're all used to.
That means it's still a common sight to see both you and your opponent swinging violently into thin air like they've been huffing paint, or to see any match with more then two competitors degenerate into a bumbling mess as you constantly collide with and interrupt each other while twirling about like mannequins with the turning circle of an articulated lorry.
In fairness, WWE 2K14's combat isn't always all that bad, but it would be generous to say that it shouldn't be described as ropey, at the very least.
WWE 2K14: 30 Years of Wrestlemania
When playing WWE 2K14's headline 30 Years of Wrestlemania mode, you'll not only have to deal with your opponent, but will also have to be mindful of the series of historical objectives that you are tasked with completing.
This will usually involve either completing a simple QTE, or manoeuvring your opponent into a certain situation in order to trigger a cutscene which mimics events that took place in the real life match that you're recreating.
This is an idea that was introduced in WWE '13s attitude era mode, and one that has had a little improvement – objectives are much less vague this time around and you'll often notice that the AI is oddly keen to get into the position that you want them in, which removes a lot of potential frustration.
The concept of recreating moments that fans know and love makes sense within the context of the mode and is indicative of the care and attention that WWE 2K14 pays to WWE history.
The problem is that as you progress throughout the campaign, it increasingly feels like you are just completing a series of rather laborious check-lists – 'get your opponent to light damage and then move them over here', 'do this move on your opponent once they're at moderate damage', 'try and pin your opponent after doing this move' and so on and so on.
It's bad enough having it feel like the developers are watching over your shoulder, telling you how to play the game, but that sense of lacking any freedom is exacerbated by the fact that you know exactly how most of WWE 2K14's matches are going to play out.
If you're enough of a fan to appreciate the historical moments that WWE 2K14's 30 Years of Wrestlemania mode aims to recreate, that also means you're likely to know what moments are going to be recreated before you even start a match.
As a result, you'll often wonder if it might be more fun to just watch the matches you're meant to be recreating rather than having to trudge through a set of strictly defined goals and targets in order to watch an ugly approximation of significant moments from those matches.
Getting that balance between offering the player freedom and paying homage to classic moments is probably very difficult, but that doesn't change the fact that the 30 Years of Wrestlemania mode often isn't that fun.
WWE 2K14: Fan Service & Customisation
Despite the issues with the 30 Years of Wrestlemania mode, it has to be said that the choice of matches and moments couldn't be much better and that the developers have shown real care and attention in presenting those matches within the best possible framework.
Real-life footage is used to introduce each era within the mode as part of a concerted effort to highlight the significant characters, establish the rivalries and give a sense of occasion to the matches you are taking part in.
That sense that WWE 2K14's developers really want to give fans what they want extends to the multitude of customisation options on offer.
You can create your own wrestlers, storylines, entrances, rings, move-sets, finishers and just about anything else you could want for a wrestling game.
Once you've done so, WWE Universe mode returns to give you a place where you can implement all your creations, so if you're one of those tinkerers who love's to play with all the creation tools that WWE games offer, that's all there.
You might question the extent to which that makes WWE 2K14 appealing, given that there were also extensive cutomisation options on offer in WWE '13 and WWE '12 before that, but it's still a welcome inclusion.
WWE 2K14 Review
As a love letter to WWE and Wrestlemania history, it's hard to fault WWE 2K14.
When you to take into account everything that's on offer, including 30 Years of Wrestlemania mode, WWE Universe mode and the ability to customise almost everything you could want, it's also hard to fault WWE 2K14 as a package.
Unfortunately, it's all too easy to fault the game that's at the centre of all that. The fan service is all very well and good, but WWE 2K14 just isn't that fun to play.
WWE 2K14 is like a wrestler who cuts a great promo but who, when all is said and done, just can't wrestle.
Version tested: PS3


text:
Visitor Info
Departmental Address
Department of Music
Administrative Office 310
Woolworth Center of Musical Studies
Princeton, NJ
Telephone: 609-258-4241
Fax: 609-258-6793
Email: firstname.lastname@example.com
Office Hours
Winter(Mon-Fri) 8:45AM - 5:00PM
Summer(Mon-Fri) 8:30AM - 4:30PM
Directions to the Music Department
Directions to Taplin Auditorium located in Fine Hall can be found here.
Detailed PDF file of Princeton University can be found here.
Further information regarding directions to the University can be found here.


text:
Typical menu on a fast day?(16 Posts)
twinklestar2 Wed 05-Jun-13 23:26:05
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Changes in Iron Markers Following Iron Loading in Hemodialysis Patients
This study has been completed.
Papageorgiou General Hospital
Information provided by:
Papageorgiou General Hospital
ClinicalTrials.gov Identifier:
First received: March 28, 2006
Last updated: March 12, 2007
Last verified: September 2006
- Full Text View
- Tabular View
- No Study Results Posted
- Disclaimer
- How to Read a Study Record
The purpose of this study is to describe alterations of serum ferritin, transferrin saturation, soluble transferrin receptor, % hypochromic erythrocytes, % reticulocytes, reticulocyte hemoglobin content after iron loading in hemodialysis patients.
|Anemia in Chronic Renal Disease
|Drug: iron sucrose
|Phase 4
|Study Type:
|Study Design:
|Allocation: Non-Randomized
Intervention Model: Single Group Assignment
Masking: Open Label
Primary Purpose: Diagnostic
|Official Title:
|Phase IV Study of Iron Indices' Kinetics in Hemodialysis Patients
Resource links provided by NLM:
MedlinePlus related topics: Dialysis Iron
Drug Information available for: Sucrose Iron, elementalU.S. FDA Resources
Further study details as provided by Papageorgiou General Hospital:
Primary Outcome Measures:
- Ferritin alterations after iron loading at six and twelve weeks from the beginning of iron loading.
Secondary Outcome Measures:
- All iron indices' alterations during twelve weeks from the beginning of iron loading.
|Estimated Enrollment:
|Study Start Date:
|September 2005
|Estimated Study Completion Date:
|January 2007
|Ages Eligible for Study:
|18 Years and older (Adult, Senior)
|Sexes Eligible for Study:
|Accepts Healthy Volunteers:
Inclusion Criteria:
- hemodialysis for three months minimum
- stable epoetin dose for two months minimum
- serum ferritin concentration < 1000 ng/ml
- transferrin saturation < 50%
- parathormone concentration < 800 pg/ml
Exclusion Criteria:
- hemoglobin concentration > 13g/dl
- serum ferritin concentration < 20 ng/ml
- vitamin B12 and/or folic deficiency
- other hematologic disease than anemia
- cancer
- hypothyroidism
- infectious disease
Contacts and Locations
Choosing to participate in a study is an important personal decision. Talk with your doctor and family members or friends about deciding to join a study. To learn more about this study, you or your doctor may contact the study research staff using the Contacts provided below. For general information, see Learn About Clinical Studies.
Please refer to this study by its ClinicalTrials.gov identifier: NCT00308490
Please refer to this study by its ClinicalTrials.gov identifier: NCT00308490
|Papageorgiou General Hospital
|Thessaloniki, Greece, 56429
Sponsors and Collaborators
Papageorgiou General Hospital
|Principal Investigator:
|Efstathios Mitsopoulos, MD
|Papageorgiou General Hospital
More Information
Additional relevant MeSH terms:
ClinicalTrials.gov processed this record on July 19, 2017
|ClinicalTrials.gov Identifier:
|NCT00308490 History of Changes
|Other Study ID Numbers:
|Study First Received:
|March 28, 2006
|Last Updated:
|March 12, 2007
Additional relevant MeSH terms:
Renal Insufficiency, Chronic
Kidney Failure, Chronic
Renal Insufficiency
Kidney Diseases
Urologic Diseases
Ferric oxide, saccharated
Trace Elements
Growth Substances
Physiological Effects of Drugs
ClinicalTrials.gov processed this record on July 19, 2017


text:
I laugh, I love, I hope, I try, I need, I hurt, I need, I fear. And I know you do the same things, too.
Looking for you, you're the one, thank heaven that search is over.
I love to travel, to peek round the next corner, and share that excitement.
Keeping fit.
A thing of beauty is a joy forever: It's loveliness increasing; it will never pass into nothingness.
Movies: In Burges, Verdict, Casino Royale, The Lord of the Rings, Dead Poets Society, The Man Who Would Be King
T.V: Lost, Frasier, Curb, Have I got news for you,
Music: Love Tristan and Isolde. Beethoven, Chopin, Elgar, Beatles, Rock, Carly Simon, Motown.
Food: Italian, Indian, Thai, Chinese, Mexican
Intelligent conversation
Passion for life
A child giggling
Radio 4
Losing myself in the beauty of music, literature and art.


text:
Global experience is an integral aspect of the Berkeley MBA experience. Global business is part of many courses, and you are encouraged to take advantage of international opportunities, such as spending a semester abroad, planning study trips to other countries, or serving as a consultant through the school's acclaimed International Business Development program. In addition, there are numerous student clubs, business competitions, fellowship programs, and research centers with an international focus.
The international emphasis of the Haas School is an integral part of its culture and its student community, with students hailing from more than 30 countries, speaking many languages, and having lived, studied, or worked abroad. Many faculty members, too, are either originally from other countries, or have extensive international experience and contacts. The impact of this international diversity on the MBA program is enormous, adding varied perspectives to classroom discussions, team projects, and everyday interactions.
In the classroom, you learn business fundamentals from a decidedly global perspective, from the core course in macroeconomics to electives that explore:
Find course descriptions for Berkeley MBA coures in the UC Berkeley general course catalog, Berkeley Bulletin.
Every year, one of the Haas School's most heralded experiential courses, International Business Development (IBD), sends about half of all full-time Berkeley MBA students to various countries for team consulting engagements with clients that range from large multinationals to nonprofit organizations.
Nothing compares to the experience of attending a foreign university and getting to know students in another country for an entire semester. Berkeley MBA students may embark on an international exchange program in the fall semester of their second year. They pay the normal Haas fees and may earn up to 12 units toward their MBA degree while abroad. International exchange programs are offered in the following locations:
Also, student clubs organize regular study treks to Asia, Latin America, and Europe, visiting firms, meeting with government officials, and engaging with alumni. Because so many of our students are international, often these treks are organized by those who are eager to share their home countries with classmates.
Berkeley-Haas is a member of the Global Network for Advanced Management (GNAM), a network of top business schools across five continents that gives students opportunities to explore a range of global economies, including both developed nations and fast-growing economies, such as Indonesia, Turkey, and Chile.
Programs include Global Network Weeks, with students traveling to other member schools for mini courses in areas of special expertise on those campuses, and Global Network Courses, online for-credit courses through member schools in which students work in dispersed, culturally diverse teams to tackle pressing global challenges.
GNAM member schools include Hong Kong University of Science and Technology Business School, IMD, Said Business School at the University of Oxford, and Yale School of Management.
A three-year MBA/MA program in Global Studies allows you to broaden your knowledge of different regions or countries by taking internationally-oriented topical, language, and area study courses from departments and schools across UC Berkeley.
You may focus either on a topic, such as international trade and debt, investment strategy, and environmental issues, or on an area, from major countries such as China and Russia, to regions, such as the Middle East and Africa.
Candidates may add the Global Studies program during their first year of study at Haas.
A number of clubs and conferences at Berkeley-Haas explore international issues and opportunities:
Fellowships include:
The Career Management Group supports international career goals, providing students with access to employers, and offering guidance from experienced advisors, coaches, managers, and practitioners at all stages of the career planning process. Generally, nearly 20 percent of graduates accept jobs outside the U.S. and more than 5 percent of students take international internships.
Student clubs also host a variety of employment and networking events to help with career planning.
Research centers at Berkeley-Haas with an international focus include:
Our global focus starts before students even come to Haas--with a worldwide approach to connecting with prospective students. See our schedule of off-campus admissions events to see where in the world we'll be.


text:
Kukla's Korner Hockey
Cloutier Out With Concussion
by Paul on 10/31/05 at 10:24 AM ET
Comments (0)
It will be at least a week, and possibly longer, before Cloutier takes off again in an NHL game. The league protocol for concussions requires a minimum one-week layoff. "The doctor told me the symptoms could last one or two days or a long time," Cloutier, also suffering from whiplash, said Sunday. "He checked me out this morning and said I was okay to fly. Doctors are saying the first one [concussion] is usually not as bad. It becomes a problem with certain players the more they have them. I can see why."
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text:
Where Did Columbus Land
Where did Columbus first land in the new world?
- print Print
- list Cite
11 Answers
There is some debate as to the actual location of his landing, although he named the place "San Salvador," meaning "blessed Savior." Best evidence is that he landed on present day Waitling Island in the Caribbean. Columbus' journals do not provide sufficient information to more nearly identify the location.
One thing is certain: the Indians whom Columbus met were the Arawak (sometimes identified as Taino) Indians. They were very peaceful and welcoming. Had he landed one island over, he would have met the Caribs, who were a fierce, cannibalistic people. Had he landed there, chances are they would have been happy to have him for dinner, so to speak.
Sailing for Spain, Italian explorer Christopher Columbus (1451–1506) and his crew reached the New World (the European term for North and South America) on October 12, 1492, with three ships—the Nina, the Pinta, and the Santa Maria. They landed on a small island in the present-day Bahamas (a group of islands southeast of Florida), which Columbus claimed for Spain and named San Salvador. Not knowing where they were, Columbus incorrectly assumed they had reached "the Indies" (Asia), his original destination. He therefore gave the name "Indians" to the Tainos (Native Americans) he met on the island. When the Tainos told Columbus about a larger island to the south, he thought it must be part of China or Japan. Actually, it was the island now called Cuba. After leaving San Salvador, Columbus and his party spent a month sailing along the coast of Cuba in search of gold. In early December they reached another large island, which Columbus named Hispaniola (or Española, the Spanish word for Spain; today Hispaniola is comprised of the countries of Haiti and the Dominican Republic). On this island, Columbus met an important Taino chief who was wearing gold ornaments that he gladly traded to Columbus for European goods. On Christmas Eve (December 24), Columbus invited the chief and his people to come aboard the Santa Maria for a holiday celebration. After the festivities everyone fell asleep and the ship hit a coral reef, sustaining damages that could not be repaired. On Christmas Day the Tainos helped the Spanish sailors unload the Santa Maria and carry the cargo ashore. Columbus then founded the first European settlement in the Americas on the site, a small bay where the Haitian village of Limonade-Bord-de-Mer now stands. He named the settlement La Navidad ("the birth"; meaning the birth of Jesus of Nazareth, also called the Christ, the founder of Christianity) since he had founded it on Christmas Day. When Columbus left La Navidad a few weeks later to return to Spain, twenty-one of his men remained behind. Thus began the Spanish colonization of the Americas.
Further Information: Jones, Mary E., ed. Christopher Columbus and His Legacy: Opposing Viewpoints. San Diego: Lucent, 1992; Mariners' Museum. The Age of Exploration. [Online] Available http://www.mariner.org/age/menu.html, October 22, 2000; Pelta, Kathy. Discovering Christopher Columbus: How History Is Invented. Minneapolis, Minn.: Lerner, 1991; Phillips, William D., Jr., and Carla Rahn Phillips. "Voyage of Destiny." American History Illustrated. September-October, 1992, pp. 28–47; Scavone, Daniel. Christopher Columbus. San Diego: Lucent, 1992.
Source: UXL History Fact Finder, ©2001 Gale Cengage. All Rights Reserved. Full copyright.
san salvador
Short Answer: San Salvador
And if you have time:
Christopher Columbus landed on the island he later named San Salvador of the present day Bahamas in Central America. Noone really knows which island exactly is San Salvador, the natives called it Guanahani, but the guesses are Samana Cay, Plana Cays, or San Salvador Island.
October 12, 1492, with three ships—the Nina, the Pinta, and the Santa Maria. They landed on a small island in the present-day Bahamas which Columbus claimed for Spain and named San Salvador. Not knowing where they were, Columbus incorrectly assumed they had reached "the Indies" , his original destination. He therefore gave the name "Indians" to the Tainos he met on the island.
- Columbus landed in what he incorrectly believed was the Indies(Asia),which was present day Bahamas.
Mobile Bay
what is the place where Christopher Columbus landed
On October 12, 1492, Columbus landed in San Salvador in the present-day Bahamas.
San Salvador, which means "holy savior" in Spanish, in the present-day Bahamas.
On Basil island


text:
I saw that some themes are getting low ratings just because of unexperienced users, which ofcourse are clearly and 100% not deserved by the author.
(No names as TF highly prohibits links to actual themes, so I do not advertise.)
For example, some guy was looking for woocommerce in a news theme where it was specified that the theme has no woocommerce adaptation (Duh, it's a news theme for God's sake!). The seller gets a 1 star rating.Completely the buyer's fault.
Some guy rated the another news theme for 1 star just because he didn't receive support in like 30-40 minutes.
There are also lots of bad ratings for a particular theme where the author clearly states: They do not work on weekends.They get lots of 1 star ratings.
Whose fault is this? Clearly the buyers'. Now, I really believe TF should do something about this, it is completely not fair at all and I believe there should be a contestation form for such things.
Authors put lots of work and I'll eventually want to release (With a great developer) my first theme here and I'm afraid of such things, I think it is totally unfair.
What do you guys think?
this unfortunately is a known problem that momentarily we can't do nothing about it.
you can add your suggestion to this threadhttp://themeforest.net/forums/thread/new-feature-ratings-breakdown/96703?page=1
Yes, this problem exists. It's frustrating and happens very frequently.
If we could find a solution, that'd be great, but I wouldn't worry too much.
This is something that happens to all online marketplaces with ratings. Almost any product takes a certain amount of expertise to use (or understand) – from themes to lawnmowers to electronics equipment – and you'll always have customers that buy something they aren't qualified to use. Just read through some one star ratings on Amazon, they are frequently unwarranted, or entirely unrelated to the product, or user error, or make it clear that the customer didn't read the product description and expected something unreasonable. ThemeForest is no different in this regard; every business has a small percentage of customers that will give them trouble. It's a fact of doing business with humans
[Of course, any time you encounter a customer like this, you should review your product description, promotion materials, and documentation to see if you're causing confusion and if there is something you could be doing better – these can often be opportunities for improvement]
That being said, one of the most important steps we can take is to allow reviews (comments) to accompany ratings. MOST customers are awesome, savvy, and understanding – when they review an item and see that the 1 star rating is because the item didn't provide a feature that was never offered in the first place, they will disregard it. We need to give them this opportunity (the devs are working toward that).
Try not to worry too much; if you create an awesome product, a few bad ratings isn't going to affect you


text:
Discover a Truly Relaxed Style of Comfort
Situated on the shores of Lake Geneva, The Geneva Inn exudes a distinctive English country charm. This waterfront Wisconsin inn begins your day with a complimentary weekday newspaper and exquisite breakfast buffet from The Grandview Restaurant. Take a bike ride on the historic 21-mile lake path outside the inn's door, or hop aboard a courtesy shuttle into town where there are unique boutiques, antiques and galleries. From the inn's private marina you can spend a day cruising, fishing or water skiing. The entire time you are surrounded by rare luxuries: fluffy bathrobes, bedtime chocolates and breathtaking balcony views of the Lake Geneva from the inn's furnished suites and spacious guest rooms. The Geneva Inn is one of the most sought after destinations in the area and with all their special touches, it's no wonder why.
- Wifi
- Restaurant Onsite
- Pets Allowed
- Property Size 37 units
- Conference Facility
- Kids Allowed
- Nearby City Lake Geneva
- Nearby Water Geneva Lake
- Open Dates All Year
The beautiful and historic Geneva Inn is perfect for your small Wisconsin business retreat. Their luxurious conference rooms feature free wireless internet and state-of-the-art audio/visual equipment to ensure a successful event. The onsite restaurant, The Grandview Restaurant and Lounge, will be happy to provide catering services for whatever the meeting occasion is. Podium and other meeting equipment will be provided as well as free parking, making it an ideal location. You'll be sure to impress and inspire all your team members!
The Geneva Inn presents a luxurious setting for your Wisconsin wedding. The inn is the only location on Lake Geneva that provides both dining and lodging. Their dedicated staff will help guide you through every detail, ensuring that your special day goes off without a hitch. The two private banquet rooms and The Grandview Restaurant allow wedding parties to pick and choose locations for the reception. Your wedding will be perfect at The Geneva Inn.
The Geneva Inn's lush Wisconsin lakefront property offers spectacular views of Lake Geneva, with a landscaped terrace and patio for special events. Walk or bike along the onsite 21-mile shore path that circles the lake for great scenery and the chance to see deer and wild turkey. Reconnecting with nature has never been easier!
The Geneva Inn's romantic packages are perfect for any Wisconsin special occasion. Your stay begins with in-room hors d'oeuvres, then afterwards venture into town to go antiquing or enjoy a couples massage at one of the local spas or take a walk along the lakeshore. After a romantic day you'll dine at The Grandview, a restaurant with award-winning cuisine where every table overlooks the water. At night, a whirlpool bath, a long stem rose, chocolates, and a plush bed will welcome you as an end to one of the most romantic days possible.
When you stay at The Geneva Inn, you will enjoy luxury as soon as you wake up. At The Geneva Inn, a complimentary newspaper is waiting at your door every weekday morning along with morning coffee service. Slip into a thick, fluffy bathrobe; enjoy an oversized vintage or whirlpool bath in your spacious suite or guest room before heading down to the acclaimed Grandview Restaurant each morning for a breakfast buffet! The beautiful views, prime location and friendly staff will make sure your every need is taken care of.
The Geneva Inn is located right on beautiful Lake Geneva. Bring your own boat with you and dock at the property's private marina, or pick up a rental boat nearby so you can enjoy your lake vacation to its fullest! This 7.6-mile lake, Wisconsin's second-deepest, is great for swimming, walleye fishing and all kinds of water sports. Enjoy the views from your room or the restaurant or get a closer look by jumping right on in!
In 1883 this was the site of Gypsy Lodge, the summer estate for a Chicago businessman A.H. Button. Today, The Geneva Inn has been rebuilt to mimic the lodge's original style and you can learn about other historical Lake Geneva buildings during guided tours on the lake or around the 21-mile Wisconsin shore path.
Villas and Condos
Overnight accommodations at The Geneva Inn offer spacious lake and land view guest rooms. The three varieties of the rooms come with either a standard bathroom or deluxe bathroom. Accommodations are well-appointed and include a wide range of luxurious amenities such as a whirlpool tub, private balcony, King beds, and a lake or country view. All of the rooms are fully furnished in a beautiful vintage, country theme making each room at The Geneva Inn very special.
- Fitness Center
- Gift Shop
- Air Conditioning
- Coffee Maker
- Iron/Ironing Board
- Sundeck
- Whirlpool
- Arts and Crafts
- Horseback Riding
- Live Entertainment
- Photography
- Shopping
- Sightseeing
- Swimming
- Wineries
- Beach
- Cross Country Skiing
- Downhill Skiing/Snowboarding
- Fly Fishing
- Freshwater Fishing
- Hiking
- Ice Fishing
- Ice Skating
- Wildlife & Nature
- Sailing
- A/V Equipment
- Banquet Room(s)
- Catering
- Concierge
- Laundry Facilities
- Meeting Room(s)
Plan your next group event at The Geneva Inn.
An ideal setting for Wisconsin meetings, family reunions & weddings, The Geneva Inn accommodates up to 120 guests for elaborate receptions, professional conferences and more!
For more information please call +1 (800) 441 - 5881 or Send Inquiry.
Nearest Airports
- General Mitchell International Airport (MKE) / 38.2 miles
- Chicago Rockford International Airport (RFD) / 42.2 miles
- Chicago O'Hare International Airport (ORD) / 48.8 miles
* Not all airports listed here may be open to public use, or service commercial flights
Message this property
By clicking 'Submit' you are agreeing to our Terms of Service
Vacation Request Successfully submitted. Thank You!


text: Customize the Look of Notes How to customize the look of notes. You can display Outlook's Notes in a variety of ways. For "sticky" notes, click the View menu, highlight Current View, and select Icons. Or, to display the notes as a list, select Notes List; to display them by category, choose By Category, or choose By Color, to group them by color. (You can assign different colors to different notes by opening a note, clicking the Note icon in the left corner, and choosing Color from the pop-up menu.)


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House 77, in the very center of "Bairro Norte" in Póvoa de Varzim shares the city's memories and revitalizes a rich legacy of fishing and the sea. Designed by Portuguese firm dIONISO LAB, the distinctive concertinaed stainless steel shutters that cover the front facade are perforated with "siglas poveiras." These symbols are a proto-writing system once used to mark both personal and fishing belongings, and were transmitted down through generations. In this way, the home silently confesses its pride in the city.
When opened, the facade reveals floor-to-ceiling windows and an intimate balcony. The central staircase is the heart of the narrow home, as it provides access to each of the half-floors. The back of the home also has full-height windows, this time protected by more traditional venetian blinds, and opens to a small garden.
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Member since 11/14/2012
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Questions from Mintychoco
Help with my Eyes? (photo)
I don't know but I used the garnier anti puff roller on my puffy under eye bags and it has helped but there still there and when I smile it gets big . I know this is stupid but... READ MORE


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YanHuang Photographer
SharnaylaseanModel Female Alameda, California, US
My MM URL: http://www.modelmayhem.com/sharnaylasean
Mayhem # 2447592
About MeREAMPING PORTFOILO
Hello my name is Sharnayl lasean I'm a Bay area girl born and raised I stared modeling a few months ago and i love it there's something about dressing up makeup and hair that turns me on lol
I'm a very fun person to be around some would say i'm the life of the party lets just say threes never a dull moment with me
My style is pretty much urban sexy and glamour i would say my look is unique. I"m interested in doing magazines, fashion work, calenders i wouldn't mind doing a music video or two
I'm really hoping to use my model mayhem as a stepping stone because i know this site can give me great opportunity to follow my dreams.
So photographer ect lets work
for booking inbox me I'm looking forward to working with all
Have you worked with Sharnaylasean? Add Credits for Sharnaylasean! >>
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Egypt: Clashes between the supporters and opponents have erupted in Egypt after President Mohamed Morsi granted himself sweeping powers.
Morsi has issued a decree preventing any court of the country from overturning him, but says 'he is still with the revolution and Egyptian people'.
Protestors have started gathering at the famous Tahrir Square, saying they will not go away until the decision is withdrawn. There have also been reports of burning down of Iqwan-al-Muslimon (Muslim Brotherhood) in the country.
The Islamist Mohamed Morsi became head of the state on June 29, 2012, promising a 'new era' and ending about six decades of military rule on the country.


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deetee28's Mom Answers Activity
deetee28 is a star in these topics:
Preschooler > Parenting Strategies (1 helpful answer)
Preschooler > Preschool (2 helpful answers)
Preschooler > Nutrition & Food (1 helpful answer)
Toddler > Potty Training (1 helpful answer)
Toddler > Feeding & Nutrition (4 helpful answers)
Do you think preschools should physically restrain children? Watch this
Most recent answer (08/28/2013):
A child can only be physically restrain if they are causing harm to themselves or others causing extream disturbance or damaging property...posted by a BabyCenter Member
My 35-month old seems to be very advanced should I have him tested before he starts school? Watch this
Most recent answer (08/05/2013):
Sounds like my daughter. It's perfectly normal to me. He doesn't sound "gifted", he sounds intelligent. Most IQ test...posted by MommaSherman
Is 5 to old for preschool? Watch this
Most recent answer (04/30/2013):
Looks like she knows the basics. She has a lot to learn, like other kids, so she'll be just fine in Kindergarten. What kids struggle ...posted by deetee28
My son is now afraid of things he used to love. Watch this
Most recent answer (04/30/2013):
He's growing up! He now understands that he could possibly get hurt while playing at the park. The museum can be a strange/unfamiliar...posted by deetee28
wont let go of bottle at 2 1/2! Watch this
Most recent answer (01/16/2013):
You need to be firm. Take her to a store and have her choose a couple of sippy cups that she likes. Then tell her that she's going to sta...posted by deetee28


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Mancini's future looked in doubt after Inter's loss to Liverpool in the Champions League in March. He said he wanted to quit at the end of the season only to change his mind the next day.
Inter had to wait until the last day of the season to clinch the Scudetto after a 11-point lead over Roma fell to one point.
Mancini is considered a possible candidate for the vacant Chelsea job following Avram Grant's firing last Saturday.
The Israeli Grant had taken over from ... Mourinho.


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I have just built my carputer and have it in the truck and working. i have a small problem though. I decided to use the Sound Blaster Audigy SE pci card for its 5.1 and 7.1 abilities but for some reason everytime the computer boots up the line-in doesn't work. I have to go into Sound Blaster's mixer and turn off the line-in then turn it back on again and everything works fine until I shut it down again. It's rather annoying. I have disabled the onboard sound card in BIOS b/c I couldn't get the line-in to work with that and allow the outputs to work from the SB card. Any suggestions as to what I can to get this problem fixed?
No announcement yet.
Help with Line-In
new posts
Is your line-in set for S/PDIF or MIC? if it is set for S/PDIF, change that in your creative control console, and if not...read the PM i sent you...Trouble deciding on car speakers? Clicky Clicky
Speakers: DLS Ultimate Iridium 6.3 Link
Subwoofer: removed
Amplifier#1 (Front Stage): DLS Ultimate A4
Amplifier#2 (Sub) removed
Carputer: Removed for tablet install
I have the line in set to line in. It appears that it may have something to do with the speech program that is on it. I'm not sure where it came from, probably the motherboard but I can't seem to get rid of it or turn it off. I haven't really had time to look at it much lately but I plan on checking in BIOS and then the driver disk to see if that is where it came from. If it comes to having to do what you put in the pm then I will just switch back to the on board sound.
Well I don't think its the speech program afterall. I can't figure this out for the life of me. When I open Sound Blaster's Console it says the line in is selected and the aux, mic and s/dpif are not selected. If I select one of the deselected ones then go back to the line in then it works all of a sudden. Once I do this its fine until I shut down the computer. I don't know if its a driver issue or a crappy sound card.
Sounds like a driver issue to me. Remove ALL of your audio drivers in safe mode. Make sure your onboard audio is disabled in the bios. Then reboot and reinstall the drivers.Greedy
Anybody who makes significantly more money than you do.
The Hoe-Puter Worklog
Progress (Phase one):
[----------] 97.3%
Parts Aquisition:
[----------] 95%
[----------] 95%
Thanks for the help everyone. I tried to uninstall all thr audio drivers and reinstall just the SB cards driver. I already had the onboard audio cut off in BIOS. None of that worked so I figured all this brain racking and grief isn't worth the $30 sound card so I went and bought a new USB sound card. Its works fine now.


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Get an overview of this hotel3-star hotel with free area shuttle and restaurant
Popular property highlights
Situated in the business district, this hotel is 1.7 mi (2.7 km) from Avalon and within 6 mi (10 km) of Golf Club of Georgia and North Point Mall. Verizon Wireless Amphitheater and Archibald Smith Plantation Home are also within 9 mi (15 km).
Hotel Features
Along with a restaurant, this smoke-free hotel has an outdoor pool and a fitness center. Free WiFi in public areas, free self parking, and a free area shuttle are also provided. Additionally, a bar/lounge, a coffee shop/café, and a snack bar/deli are onsite.
Room Amenities
All 154 rooms provide free WiFi and free wired Internet, plasma TVs with cable channels, and conveniences like refrigerators and microwaves. Premium bedding, coffee makers, and hair dryers are among the other amenities available to guests.
Guest Highlights
- Comfortable rooms
- Breakfast
- Helpful staff
- Clean guestrooms
- Comfy beds
Courtyard by Marriott Atlanta Alpharetta
Hotel Amenities
Hotel Amenities
Courtyard by Marriott Atlanta Alpharetta features an outdoor pool and a fitness center. The hotel offers a restaurant, a coffee shop/café, and a snack bar/deli. A bar/lounge is on site where guests can unwind with a drink. A computer station is located on site and wired and wireless Internet access is complimentary.
This 3-star property offers access to a 24-hour business center and meeting rooms. 3 meeting rooms are available. This business-friendly hotel also offers gift shops/newsstands, complimentary newspapers in the lobby, and a fireplace in the lobby. Onsite self parking is complimentary.
Courtyard by Marriott Atlanta Alpharetta is a smoke-free property.
- 24-hour business center
- Free WiFi
- Number of buildings/towers - 1
- Number of meeting rooms - 3
- Snack bar/deli
- 24-hour front desk
- Bar/lounge
- Breakfast available (surcharge)
- Coffee shop or café
- Free newspapers in lobby
- Express check-in
- Fireplace in lobby
- Dry cleaning/laundry service
- Elevator/lift
- Express check-out
- Fitness facilities
- Gift shops or newsstand
- Free wired Internet
- Computer station
- Laundry facilities
- Meeting rooms 4
- Number of floors - 3
- Total number of rooms - 154
- Luggage storage
- Restaurant
- Safe-deposit box at front desk
- Free area shuttle
- Free self parking
- Free RV, bus, truck parking
- Smoke-free property
- Outdoor pool
- Outdoor seasonal pool
- Television in common areas
- Free use of nearby fitness center
Family Friendly Amenities
- Family Hotel
- Outdoor pool
- Free Wi-Fi
- Area shuttle (complimentary)
- Snack bar/deli
- Laundry facilities
- Refrigerator
- Microwave
- Cribs/infant beds (complimentary)
Available in all rooms: Free WiFi , Free wired Internet
Available in some public areas: Free WiFi , Free wired Internet
Free self parking, Free RV, bus, truck parking
Room Amenities
- Free cribs/infant beds
- Connecting/adjoining rooms available
- Premium TV channels
- Premium bedding
- Hypo-allergenic bedding available
- Air conditioning
- In-room climate control (air conditioning)
- Microwave
- Refrigerator
- Coffee/tea maker
- Private bathroom
- Free toiletries
- Hair dryer
- Shower/tub combination
- Iron/ironing board
- Daily housekeeping
- Desk
- Cable TV service
- Plasma TV
- Free WiFi
- Free wired Internet
Where to Eat
The Bistro - This restaurant specializes in American cuisine. Guests can enjoy drinks at the bar. Open daily.
Nearby Things to Do
Recreational amenities at the hotel include an outdoor pool and a fitness center.
- Golfing nearby
If you have requests for specific accessibility needs, please note them at check-out when you book your room.
- Accessible bathroom
- In-room accessibility
Hotel Policies
Minimum check-in age is 18
Check-in time ends at 2:00 AM
Check-in time starts at 3 PM
Check-out time is noon
Payment types
Children and extra beds
- Children are welcome.
- Rollaway/extra beds are not available.
- Free cribs (infant beds)!
- Pets not allowed
You need to know
Extra-person charges may apply and vary depending on property policy.
Government-issued photo identification and a credit card or cash deposit are required at check-in for incidental charges.
Special requests are subject to availability upon check-in and may incur additional charges. Special requests cannot be guaranteed.
No rollaway/extra beds available
Optional extras
- Breakfast fee: between USD 10 and USD 15 per person (approximately)
Hotel Name
- Courtyard Alpharetta Atlanta
- Courtyard Marriott Atlanta Alpharetta
- Courtyard Marriott Hotel Alpharetta Atlanta
- Alpharetta Courtyard
- Courtyard Alpharetta
- Courtyard By Marriott Atlanta Alpharetta Hotel Alpharetta
- Courtyard Marriott Atlanta Alpharetta Hotel
We should mention
The property has connecting/adjoining rooms, which are subject to availability and can be requested by contacting the property using the number on the booking confirmation.


text: A stationary kitchen cart or kitchen island is a great alternative to installing expensive cabinetry. Get the extra storage and working space that you are looking for without remodelling. Stationary kitchen carts are perfect for when you are looking for a more permanent solution. Choose a harvest table-style with open shelving or one with lots of cabinets for that built-in look. Carts with butcher block, stainless steel or granite counters dramatically increase your kitchen's prep space. Whatever your unique needs are, we are sure to have something that fits in our large collection of kitchen carts. And as always, we offer free shipping and competitive pricing.Read More