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Global Reach : The firm maintains operations in every major geography, and emphasizes a well diversified income statement spanning across its business lines. There are very few universal financial institutions that can provide this advantage. Citigroup has pushed into Asia, which now makes up nearly 22% of its net income - Japan, Mexico and Latin America also make up a substantial part of its revenue. As the economic conditions in the US sour, Citi's strength abroad will provide it with stability.
While the U.S. Treasury' stake selling is restraining Citigroup valuation, the successful execution of recovery strategy and the third consecutive quarter of profitability are indicative that the company is back on capturing its original growth potential. The US government has reduced its original $7 billion stake in C to $3.3 billion. The eventual finish of Citigroup selling could give a boost to the company's valuation.
Things are settling so a slow growth is anticipated but C may be the 3 for 3 stock everyone is looking for 3 times the value in three years so not for day traders for good growth
1) The major plus for upside earnings is the M2M rule suspension, especially for Citi, without it the bank would incur losses in EPS in the entire FY 2009. However, suspending FAS 157 is a step in the right direction, this is a rule that was not utilized for 70 years, was reinstated in 2007, only to cause a global collapse in 2008.
2) Upward Sloping Treasury Yield Curve : Larry Kudlow pointed out recently that "the upward-sloped yield curve is the real bailout for the banking system." The yield curve is very favorable and provides easy money for all banks. The majority of profits for all big banks in the first quarter of 2009 was a direct result of the upward sloping yield curve and the increasing interest spread. That spread continues to widen in the second quarter.
3) Private equity secondary market offerings: May 2009 was a record month for secondary offerings and Citi was very active in this market.
4) Overseas markets are in pretty good shape and revenues should be rising alongside. In addition, overseas income will get a nice boost due to currency fluctuations.
5) Huge reduction in operating expenses: Pandit iterated that they have reduced expenses by 25%. In the past several months Citi has cut its expenses by almost $4 billion per quarter. If Citi can keep or reduce the last quarter number of $12 bill. expenses, this will further increase bottom line numbers.
6) Credit card losses seem to have stabilized. Citi was the only big bank that had the same default rate on credit cards as April ( as opposed to BAC for example), delinquencies rates fell for the second month in a row (remember that delinquencies are directly correlated with the real credit losses, not the default rates). In addition, Citi has limited exposure to commercial real estate (only 2.5% out of the estimated stress test losses).
7) Nikko Cordial and Smith Barney are still generating revenue for Citigroup in this quarter. They will continue to show good numbers given the fact that the market was bullish in April through mid-May.
8 ) Citi has greatly reduced their risk exposure, this is evident in the 1Q data.
For the last several weeks, we've heard a lot of speculation, gossip, insider info, leaks and commentary concerning the Federal Reserve and U.S. Treasury Department's banking stress test.
So now that both organizations have announced that they can't deliver the results as promised… that in fact, they won't be able to release the information until late next week… well, what are we supposed to think?
According to The Wall Street Journal, officials pushed the release date back due to some disputes between the government results and the financials themselves, including Bank of America Corp. (NYSE: BAC) and Citigroup (NYSE: C).
As I mentioned before and you doubtlessly know very well regardless, everybody's speculating over the reasons. The majority of analysts however, believe the tests will show that at least a few banks need more capital or a higher quality of capital in order to continue lending should the economy take any significant continuation of a downturn during 2009 or 2010.
However, in a round of good news for the banks and shareholders but potential bad news for future American taxpayers, the Obama administration has said that it intends to assist any and all of the nineteen banks that had to undergo the stress test should they need help. In other words, none of them will be allowed to fail.
In addition, the details we do know about the analyses indicates that should they need to, they'll be allowed to raise capital through a number of standard and newly opened methods. Those include through private investors, borrowing more capital from the government, and converting existing government investments into common stock.
1, US house Market is up and US economic is getting better.
2. More people will borrow money from bank to do investment.
3. Europe Banks is not good because they tax their customers.
4. Globe market of C is getting much better.
and investors can buy on margin
Cost Cutting Works : In April 2007 Citigroup announced its plan to cut 17,000 jobs and move 9,500 jobs to lower level positions, to save it 10.4 billions dollars in spending. Citigroup has also sold off CitiCapital for $4 million, CitiStreet for $222 million, Citigroup's German Retail Banking Operation for $4B, and Citigroup's Interest in Citigroup Global Services Limited for $505 million. In April 2009, Citi prepared to sell its Japanese retail brokerage and investment banking operations for approximately $5.2B.[1] Citigroup has pushed to sell off and shrink down the size of its business in the hopes of making itself more competitive in the long run. Citi's CEO Vikram Pandit announced that he would take a salary of $1 and no bonus until the firm was returned to solvency. This shows the management's dedication to cutting costs and returning C to a performing bank.[2] This strategy will help Citigroup survive the economic downturn.
The FASB agreed to give banks more flexibility in applying mark-to-market accounting to their toxic assets.Action came after Congressional pressure to help banks that have been forced to record billions of dollars in lower values for distressed assets because of frozen markets.
Some investors opposed the change, saying it would let big banks conceal the real value of their toxic assets. How is an asset that a bank will not be selling a toxic asset and why should it be marked down today? These assets are expected to remain on banks balance sheets for the foreseeable future.
This flexibility will help big banks such as Citi recoup billions in losses. Banks can now use "significant judgment" to value assets.
Citigroup Inc. (C) Chief Executive Officer Vikram Pandit said the bank has been operating at a profit through the first two months of the year for the first time since the third quarter of 2007 - the last time it recorded a profit.
But even as the news was hitting Wall Street, a report revealed that regulators are "contingency planning" ways to further stabilize Citigroup if needed. And yet another report said major banks could face "catastrophic" losses on derivatives if the economy worsens.
"I am most encouraged with the strength of our business so far in 2009," Pandit wrote in an internal memorandum obtained by Bloomberg. "In fact, we are profitable through the first two months of 2009 and are having our best quarter-to-date performance since the third quarter of 2007."
Pandit said the first-quarter performance so far is based on historical revenue and expense rates. Citi's projected earnings before taxes and one-time charges would be about $8.3 billion for the full quarter.
It will be a long time before we see another clearance sale like this one for an established and respected financial institution
The earnings will be better and better from now on as a result of the FASB return to fake accounting!
The banking industry, for at least the past 15 years, has been one of the most profitable and stable industries. So even if Citi is down right now, it will come up again. Consider the basics of banking, you give a company some money, they lend it out to people for anywhere between 5% - 20% and pay you roughly 0.5% on your common checking account. Then, every time you want access to your money, you have to pay a fine, and every month for the privilege of lending your money to them, they charge you a monthly fee. It's a thing of beauty isn't it? To any business man or investor, it is.
As of March 3rd, Citigroup's price is $23.11/share. With total assets totaling over $113B, this puts Citigroup's book value at $21.80 / share. In the past 10 years, Citigroup's share price has never come this close to it's book value. Not to mention when you are paid a cool 5.5% in dividends while you wait out the storm. This would be a great time to take a long term approach on this stock.
Market on rebound, and Citi with 200m accounts around the globe will accumulate profits quickly. Plus, gov selling shares, coming out of TARP, and posting a better quarter than expected with the price falling 25% in past 2 months suggests it is ready to pop. Very bullish.
In todays world there is no other financial institution that can facilitate and implement the range of services with which Citi provides its clients. Below are ten highlights to keep in mind when analyzing its equity.
At the end of the second quarter of 2009, the company's Tier 1 Capital ratio, a key measure of financial strength, was 12.7%, among the highest in the industry.
Citi's Tier 1 Common increased by approximately $64 billion following its recent exchange offer. Its Tangible Common Equity (TCE) will increase by approximately $60 billion, resulting in approximately $100 billion of TCE and a Tier 1 Common ratio of over 9%.
Structural liquidity at the end of the second quarter of 2009 was 71% compared to 55% at the end of the third quarter of 2007.
Citi has reduced key risk exposures by 37% year over year to approximately $97 billion (e.g. year over year, direct
sub-prime exposure is down 57% and highly leveraged finance commitments are down 65%); anmore than 50% since the end of 2007.
Citi has reduced quarterly expenses by 23% since the fourth quarter of 2007 while continuing to invest in innovation and serving customers well.
Since the beginning of 2007, Citi has worked successfully with approximately 625,000 homeowners to avoid potential foreclosure on combined mortgages totaling more than $67 billion.
Regional Consumer Banking deposits grew in every region versus the prior quarter, with particular strength in North America, where deposits grew 6%. Total deposits were $805 billion, up 6% sequentially and flat with prior year levels.
Citi has sold more than 20 businesses since the end of 2007, redirecting its focus on core businesses.
Since the begginging of 2008, Citi has reduced assets within Citi Holdings by approximately $250 billion.
Last quarter, Institutional Clients Group had net income of $2.8 billion, up 17% from prior year levels on record net income from Transaction Services and strong results in Securities and Banking.
As referred to the rising trend of C, it is soon picking up BAC in short time. C & BAC has similar fundamentals, both of similar +ve net equity, C also has a huge total asset value of US1.7T, also quite close to BAC. Now, BAC already approached US$20 per share, close to 30% from its highest, whilst C has only achieved 8% from US$70 before financial tsunami.
Citigroup I believe is on the road to recovery, albiet slow recovery, I do not think the Fed's will allow it to fail and certainly will not nationalize it, consequently the sky's the limit.
Citigroup has shifted towards an aggressive growth strategy by making substantial acquisitions in emerging markets. A particular emphasis has been expressed in Japan and India. In 2007 and 2008, Citigroup acquired branches of Banco de Chile, Nikko Cordial, Bisys, Legg Mason Private Portfolio Group, and Grupo Cuscatlan and other banks and portfolios in the push to diversify and stabalize itself. The vast majority of these acquisitions were centered on Latin America and Asia. Citigroup also had put forth an offer to purchase Wachovia. The purchase would have made it the 3rd largest bank in the US. Although the purchase was not completed due to Wells Fargo, the offer demonstrates Citi's acquisition mindset.
At the current level, Citigroup has a dividend yield upwards of 6%, which is compelling.


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It seems Utah's two mainstream private colleges have more in common when it comes to putting a lid on free speech than most Utahns might have suspected.
Brigham Young University, owned by The Church of Jesus Christ of Latter-day Saints, has traditionally kept a tight rein on its students' behavior and public speech. But Westminster College, which purports to be a liberal institution even ivy league and emphasizes tolerance and free expression, has recently shown a surprising lack of dedication to openness and respect for self-governance and the First Amendment.
First, the administration ignored a vote of the student senate in the case of a misbehaving student body president and sacked him. Then, undergraduates received an email from the associate provost for student development, telling them to refer all reporters with questions about the college's decision to the administration:
"We wanted you to be aware that the college has been contacted by local media regarding recent events in ASWC and in response has released the following statement. If you should be contacted by the media, please refer them to the Office of Communications."
Nick Raoux made a public spectacle of himself at a Westminster-sponsored activity off campus. The college student newspaper reported that police were called to remove the student body president from a local bowling alley after he urinated on the walls and floor of a bathroom and argued with a college staff member.
Raoux has not denied the incident and has apologized. The student senate decided other sanctions were enough and voted to retain Raoux as student president, but the administration overruled that decision and removed him from office.
There is not much to say in Raoux's defense. As an officer, he should know and understand the college's rules of conduct. And, while he is of legal drinking age, there are rules governing the use of alcohol at college events. He was certainly exhibiting behavior unbecoming an officer.
The student senate would have been justified in asking for his resignation. But it didn't. If his peers in student government were willing to give Raoux a second chance, it seems an administration committed to tolerance and interested in giving students experience in making real-life decisions would have upheld their vote.
Issuing an edict that students keep mum about the incident is more egregious. Westminster is, after all, an institution of higher learning, not a high school. Students have a right to speak for themselves.

subset: commoncrawl


text:
Family and football link unites two of our best
Rower Sarah Taitis preparing for her second Olympics.
Photo: Tim Clayton
Sometimes sport throws up the strangest tales.
David Crawshay grew up in Melbourne. None of his three brothers were rowers, they all played football - one of them, Simon, played for Hawthorn. Crawshay first tried rowing at school in year nine. It's tempting to say he never looked back, but spending most of his time in a row boat, that would be inaccurate. Now the 28-year-old is preparing for his second Olympics and is captain of the men's rowing team.
Sarah Tait grew up in Perth, but she is in a similar boat. She also has three brothers and none of them rowed either. They all played footy and her father, Simon Outhwaite, was a 300-game player for South Fremantle in the WAFL.
Tait tried rowing at school - also in year nine - and it stuck. Now she is preparing for her second Olympics and is captain of the women's rowing team.
Crawshay and Tait have something else in common. They share a great grandmother, something they were unaware of until they made the team for the Athens Olympics. "If only she could see us now," Tait said this week.
In childhood they met only once - a family holiday to Melbourne that she remembers and he does not.
"I didn't even know he was a rower," said Tait. "We only put two and two together after we both made the team in Athens."
Tait is a university student - her degree is in environmental science. Crawshay, 28, is a political animal. After studying political science at university, he worked as a staffer for former federal sports minister Rod Kemp until Olympic preparations led him to suspend his career last year. Faced by a typical hack's question - which is more brutal, training for Olympic competition or federal politics? - he responds with the typical deflection of a politician: they are both a joy.
"I have a real passion for politics and for public policy and how it gets formed," he said. "It was great for me to see how it happens close up." He'd love to get back into politics when his time in rowing is done.
As Beijing approaches, both have plenty to row for. Tait is 25 and the only remaining member of the women's eight crew from Athens, a boat forever to be remembered for the "lay down Sally" moment that rocked the sport and grabbed headlines nationwide.
"Things didn't really quite go to plan for us there and so it'll be really good to have another shot at it," she said. "It does bother me, it's annoying that other people haven't moved on from what happened. I'm the only one left from that crew and since then we've had really good results. I just wish everyone would take that on board a bit more."
At the moment, training is intensive: "I'm too tired to be excited about what's coming up," she said, but soon she will start to reduce the load and the nerves
Will creep in. The eights is a tight field, there are many medal chances and no clear favourite. "Any crew could win it and any crew could miss out on the finals. It's going to go down to the wire."
In the lead-up to the Games, there has been plenty of talk about air pollution. Not many of the athletes asked about the subject are as qualified as Tait to comment. "It's hard to know what it is actually going to be like because there are a lot of variables," she said. "We competed in Japan in 2005 and handled it well and I would expect pretty similar conditions."
She hopes so anyway. There are two asthmatics in the eight-woman crew. Australia will be hoping for no blow-hard Sallys this time around.
Tait moved to Melbourne 21/2 years ago after marrying local rowing coach Bill Tait. She says she loves the city and trains on the Yarra each day. "I've never fallen in and I hope I never do."
With Crawshay, she will lead Australia's largest ever rowing team. After excellent results in qualifying, there is real confidence in the camp. For the first time in Australian Olympic history, the team has qualified a boat in each rowing event. It is only the second time any country has achieved the feat.
This year is also the first time that rowing will supply the largest contingent in the overall team.
Crawshay doesn't support boycotting the Games, but says it is important for athletes to know what is happening in the world.
His preparation has been going well, competing at several regattas in Europe and snagging a couple of third-place finishes. In his event, the double scull, the New Zealand crew is probably the favourite, but he is quietly confident of performing well.
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text:
|Certificate Program in Materials Testing
|Submitting Dean
|Dean Stanley B. Silverman
|Submitting College
|Summit College -- Mike Jalbert x6374
|Departments Generating the Proposal
|Eng&Sci Tech
|Objection Deadline
|March 08, 2010
|Proposal Status
|Final Approval Granted
|Proposal Last Updated
|April 01, 2010 by Karen Greene
|Effective Date
|Fall 2010
|Brief Summary of Proposal
|- Remove course 2990:355 Computer Applications in Construction(3cr)as required coursework. - Add course 2990:354 Foundations in Construction (3cr) as required coursework.
|Type of Proposal
|Program changes
|Graduate School Endorsement Status
|Not required
|Graduate School Endorsement Updated
|February 11, 2010 by GS Heather Blake
|Institutional Research Status
|IR Status Updated
|February 11, 2010 by IR Diane Maffei
|Library Status
|Library Status Updated
|February 12, 2010 by UL Ann Bolek
|Distance Learning Review Committee Status
|Not required
|DLRC Status Updated
|General Education Advisory Committee Status
|Not required
|GEAC Status Updated
|February 18, 2010 by Karen Greene
|Resource Requirements
|No additional resources
|Resource Requirements Updated
|November 10, 2009 by SC dean's ofc Sally Ryan
CPS Menu


text:
Sony Releases New Stupid Piece of Shit That Doesn't Fucking Work
I can't wait to get home and spend my whole fucking night trying to figure the goddamn thing out.
I heart The Onion. I've watched this about 30 times today and it just doesn't get old. Just in case the title somehow isn't clear, this is NSFW. At least not without headphones.


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A Smithsonian Associates Studio Arts Course
the millennia, ceramic vases have served various purposes, depending on the
culture. Some cultures used them only for utilitarian purposes, others for
religious rites; and others as objects of beauty. For example, the Greek,
Syrian, and Turkish cultures adapted their architectural traditions into vases.
From the heads of gods to fully carved figures, these vases reflected a
departure from the traditional ceramic vases decorated with painted brushwork
decoration. In The Sculptural Vase,
an 8-session course, students have the opportunity to create their own unique
ceramic vase.
I sat in on Tuesday's session with Instructor Alfredo Ratinoff. He kicked off the class by bringing out color samples students had made the previous week. Color samples display how finish coats, layering, and the glazing process react to the kiln's heat, allowing students to get a preview before committing to their entire project. For instance, Cobalt will appear dry blue by itself but becomes vivid blue with a top coat. "The objective is to look at the variations you get with different materials," says Ratinoff.
"If you don't have samples, you don't have a good piece," he says. "Certain colors change drastically in temperatures of 2200 degrees. Samples remove the guesswork." He also points out that the real kiln (a 12-hour process) gives a better glaze than the test kiln (2 hours) used for color samples. He compares the different outcomes to microwaving versus slow simmering a meal: The result is a much richer, more vibrant color.
-Jen Schiller


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According to the National Hurricane Center's 5 a.m. EDT advisory, Ernesto is some 55 miles west-northwest of Chetumal, Mexico, which is some 200 miles south of the popular cruise port of Cozumel. Maximum sustained winds from the storm are at 70 miles per hour.
Cruise Ship Itinerary Changes
Carnival Legend, which embarked from Tampa on seven-night Western Caribbean cruise on Sunday, is sailing an altered itinerary. Instead of visiting Belize and Mahogany Bay, Honduras, the ship is calling on Montego Bay, Jamaica (Wednesday) and adding a third day at sea.
Carnival swapped the order for Carnival Triumph's five-night Western Caribbean cruise, which left from Galveston on Saturday. The ship visited Cozumel on Monday and Progreso today.
Carnival also altered the itinerary for Carnival Dream, which departed from Port Canaveral on Saturday on a seven-night Western Caribbean itinerary. The ship called on Cozumel (Monday) as scheduled, but visited Progreso today instead of Belize, and will visit the Eastern Caribbean ports of Freeport (Thursday) and Nassau (Friday).
Disney Fantasy, which embarked from Port Canaveral on Saturday, is sailing an Eastern Caribbean itinerary rather than a Western Caribbean itinerary.
Weather Outlook: Possible Affected Ships and Ports
The latest NHC projections show the storm passing to the north of Honduras, through the Northern tip of Belize and across the southern Yucatan Peninsula where it will lose some steam. It is expected to regain hurricane strength when it emerges into the southern part of the Gulf of Mexico (Bahia de Campeche) on Thursday. A hurricane warning is in effect for coastal Belize and parts of coastal Mexico.
We'll keep you posted if there are additional itinerary changes.
--by Dori Saltzman, News Editor


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You'd Better Watch Out!arr. Steve Frank - Alfred Music Publishing
Looking for a fresh novelty arrangement for the holidays? Then this piece is for you! You'll find a little bit of everything in this creative setting: brief solos for each wind section, a host of percussion effects, quotes from "The Nutcracker" and riffs from Saturday morning cartoons. This timeless holiday classic never sounded better!
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text:
Here are a couple of examples to show how the Transputer handles arithmetic. The registers Areg, Breg, Creg are used as a stack, rather like early calculators, to hold intermediate results.
|A simple sum
Now is the time to load the first example program into the simulator. Press the load button and choose the arith1 program which you should then see loaded into the Code panel as:
42 ldc 2
43 ldc 3
f5 add
The program on the right is written in the Transputer's assembly language. To the left of each of the three instructions, in a yellow box, is the translation of the instruction into machine code.
In the code 42 for the first instruction, the first hex digit 4 (binary 0100) is the code for ldc (load constant), and the second digit 2 is the operand.
If you press the step button, you will see the number 2 appear in Areg, the first item in the register panel.. You will also see the number in Iptr (the instruction pointer register) increase from 0 to 1 to indicate that the first byte, byte 0, of the code has been executed, and that byte 1 will be executed next. The current value of Iptr is also reflected by the red marker line in the Code panel.
The second instruction is very similar. Pressing the step button loads the number 3 into the Areg. The old value 2 in the Areg has been copied into the Breg at the same time, so that it is not lost.
The third instruction illustrates the format of arithmetic operations, which have no operand. They always act on the Areg and Breg. In the code f5 for add, the first digit f (binary 1111) is a code which specifies that an arithmetic operation is to be performed, while the second digit 5 specifies which one (5 is add).
Only load and store instructions, and a few others, have an operand, and this operand is often a very small number. This allows a large percentage of the most common instructions to be stored in a single byte. In addition, there is an extension mechanism for multi-byte instructions, so that operands can be as big as you like, and there can be as many instructions as you like, so that there is no loss of expressiveness compared to more complicated processors.
|An expression
Suppose you want to calculate the expression:
(5+1) * (3+4)Load the arith2 program into the simulator. You should see:
45 ldc 5 41 ldc 1 f5 add 43 ldc 3 44 ldc 4 f5 add 25 f3 mul
Press step repeatedly to see the effect of the instructions one by one. The first two load 5 and 1 into Areg and Breg, and the add instruction adds them to get 6.
The next two ldc instructions load 3 and 4 into Areg and Breg, pushing the 6 down into Breg and then Creg. It is a general rule that every time something is loaded into Areg, the old values in Areg and Breg are pushed down into Breg and Creg. If there was anything in Creg, it is lost.
The following add instruction adds the 3 to the 4 to get 7, and at the same time pops the 6 up from Creg into Breg. The general rule is that when an operation combines Areg and Breg, the original items are lost, the answer goes in Areg, and Creg is popped up into Breg.
The final mul instruction is two bytes long (25 followed by f3). It multiplies the 6 and 7 to get the final answer 42. The general rules for forming multi-byte instructions will be explained in later chapter.
The registers Areg, Breg and Creg form a stack. Every instruction notionally pops off the stack the items that it is going to work on, then pushes its result back onto the stack. This stack arrangement is what allows most of the instructions to have no operands. The arrangement is like some programmable calculator languages (though such languages are much more limited).
Other arithmetic instructions besides add and mul are sub (subtract), div (divide) which does an integer division and discards any remainder, and rem (remainder) which finds the remainder after integer division. There is also a full set of floating point instructions etc which we will ignore.
|Copyright © 1998 University of Bristol. All rights reserved.
Author: Ian Holyer
|Last modified: 14 Sep 1998 11:31
Authored in CALnet


text:
Democratizing E-Commerce
for Small Business Globally
Have you thought that selling online was a little out of your reach? Think again. Opening an online store has never been easier. Ecwid is a leading choice for small business merchants to easily set up a store and start selling fast. No need to abandon your existing site — Ecwid can be added virtually anywhere you have an online presence. You have the freedom to operate multiple online stores including on your website, social media channels, and mobile devices. So stop reading and start selling from your new online store!
online merchants
#1 Facebook
- 175
countries served
50 languages available
Management Team
Ruslan Fazlyev
Founder and CEO
Ruslan is a successful serial entrepreneur with a passion for perfecting the essential
Ruslan Fazlyev
Founder and CEO
Jim O'Hara
Jim is a respected business leader focused on helping companies grow. He brings more than 20 years of experience in optimizing organizations to better serve customers. Jim has held leadership positions at several enterprise companies and startups including anDATAco, Cisco Systems, Storage Networks, and Veritas (acquired by Symantec). He studied Business Administration at University of Notre Dame and Loyola Marymount University. Back
Jim O'Hara
Sridhar Nagarajan
VP Strategic Markets
Sridhar is an expert in bringing
Sridhar Nagarajan
VP Strategic Markets
Eugene Kaznacheev
Head of Product
Eugene is an
Eugene Kaznacheev
Head of Product
Dmitry Verbichenko
Head of Business Development
Dmitry is a business development expert focused on expanding the company's market share via technology partners. He held head positions in
Dmitry Verbichenko
Head of Business Development
Aniqa Hijazi
Aniqa brings extensive experience in finance, accounting, strategic business partnerships, and portfolio planning. A veteran of 15 years, she has successfully served in a variety of leadership positions at
Aniqa Hijazi
Our History
Ecwid was founded in 2009 to enable small businesses to easily add online stores to their existing sites
Our CEO, Ruslan Fazlyev,
Located in San Diego, California and Ulyanovsk, Russia, Ecwid is the world's most popular
How to Reach Us
Ecwid Inc.
144 West D Street
Suite 103
Encinitas, CA 92024 USA
Ecwid Russia
Krasnoarmeyskaya, 111
Ulyanovsk, Russia


text:
Brian Eno: 'The Only Person Whose Taste I Really Trust Is Me'...
Few figures have elicited such fascination as Brian Eno. Being so prolific and mysterious has, at times, made Eno a hard egg to crack, but in this dream interview, performance artist Laurie Anderson digs deep. Via Interview:
ANDERSON: You know, when we were working in New York, we had this thing about, "If it goes with the river, then it goes on the record." I always think of that. How would you describe your criteria for that? I could think of mine, but when you looked at the river, what would you say the music had to do or not do?
ENO: Well, for me, it was something to do with stillness and non-chaoticness—some sort of belonging, rather than something contrived that just appeared last night and will disappear this evening. It was the sense of wanting to make something that felt like it had a place in the world, rather than something that you just kind of stuck on for a little while to see how it works. The feeling of something that felt rooted and properly positioned in that sense, I suppose. That was what the river was for—to remind me of that link.


text:
In the middle of Polar Bear Town. You'll love my place because of the freedom to do what YOU want to do.. A very comfortable place, good for couples, solo adventurers, and families (with kids).
This unique home offers you a comfortable opportunity to relax after a long day out in the Polar Bear grounds. It is located close to all amenities and is great to sit back and entertain. Guests can have a Chef come in* and have a taste of our Northern food of your choice, cooked and served. It brings a true opportunity for the Great White North experience. * Charges may apply
There are six restaurants in Churchill. All are great and have their special dishes. We offer a local chef/cook* to come and cook a special dinner of your choice of our Northern foods. * Charges may apply
It's wonderful experience to be in Churchill! The house is very nice, comfortable. We enjoyed our stay at Florence House. They are nice people. Overall we had amazing time at Churchill.Anantha2016-10-24T00:00:00Z
The house is beautiful. Its rustic and cozy. It's spacious and not too far away from the town center. (About 10 min walk because of the ice) we enjoyed our trip so much, and the host was really responsive and helpful.ka wing2016-11-20T00:00:00Z
Typ pokoju
Całe miejsce
Rodzaj nieruchomości
Churchill, Manitoba, Kanada
Sweet accommodation, a little different from the normal drab nunavut hotel. I am frequently out of town so there is a good chance you will be staying alone. The house is big, with a separate living area for you to stay in. I am fine with you using anything you like and cooking if you please. I will certainly be making more than enough food for the both of us if I am home. I have a cat, he is very calm and chill.
Typ pokoju
Pokój prywatny
Rodzaj nieruchomości
Rankin Inlet, Nunavut, Kanada
his venue hosting "Allin Puñuy" (good sleep) it stand located in the Sacred Valley of the Incas - Urubamba to 57 km from the city of Cusco to hara and average trip interprovincial bus service and / or taxi , Chichubamba community 10 minutes from the village of Urubamba in motorcar or taxi. We offer visitors the INKAQ VIVENCIAL Yachaynin ECOTURISMO as demonstration activities ceramic workshops, production of chicha, Inca cosmogony, textileria, raising guinea pigs and others. Attention in Dining (lunch). The bedrooms are spacious and comfortable with artistic decorations, has the dining room and kitchen, the infrastructure is finished with enbarre walls (clay). We have hot water in the toilet facilities, we have internet. The Sacred Valley has an excellent climate, Chichubamba is a rural area where families are engaged in agriculture, livestock and preserve the culture, traditions and customs that we have inherited from our ancestors. Chichubamba is a quiet community that is covered by lots of vegetation and other fruit trees. We have attractive places: Palace of Huayna Ccapac, the huquipallpa platforms, towers sucanca (astronomical viewpoint) on the hill Sayhua.
Typ pokoju
Pokój współdzielony
Rodzaj nieruchomości
Urubamba, Cuzco Region, Peru
Offering one & two bedroom suites starting at $135/night as well as long term , Each suite is complete with accessible green space, quality double-walled sound insulated construction, modern appliances, cable television, high speed internet, main floor 9 foot ceilings, tasteful decor and ample parking. Restaurants and convenience shopping are all within close walking distance. perfect accommodation for contractors, engineers, consultants, recreational enthusiasts, hunters and fishermen.
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Hotel butikowy
Gillam, Manitoba, Kanada
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text:
This article is an open access article distributed under the terms and conditions of the Creative Commons Attribution license (http://creativecommons.org/licenses/by/3.0/).
An extended Fourier approach was presented to improve the retrieved leaf area index (LAIr) of herbaceous vegetation in a time series from an alpine wetland. The retrieval was performed from the Aqua MODIS 8-day composite surface reflectance product (MYD09Q1) from day of year (DOY) 97 to 297 using a look-up table (LUT) based inversion of a two-layer canopy reflectance model (ACRM). To reduce the uncertainty (the ACRM inversion is ill-posed), we used NDVI and NIR images to reduce the influence of the soil background and the priori information to constrain the range of sensitive ACRM parameters determined using the Sobol's method. Even so the uncertainty caused the LAIr
The use of remotely sensed optical data over large areas to quantitatively infer key biophysical and biochemical parameters of vegetation, such as the leaf area index (LAI), has been a popular application of remote sensing [
Vegetation parameters, including LAI, that are retrieved simultaneously may not meet the requirements of specific applications, such as the classification of vegetation types [
One way to smooth these curves is the data assimilation technique [
If the dataset is periodic, another way to smooth multi-temporal curves or solve missing data problems is the Fourier model [
The inversion is by nature ill-posed [
The ACRM radiative transfer model is used [
With the Ǻith the turbidity equation [
In addition, weight
The leaf optics model PROSPECT [
The NDVI is generally sensitive to LAIs between 0 and 4.0 (
The sensitivities of different model parameters are different at RED and NIR wavelengths. To mitigate the ill-posed inversion problem, we set the sensitive parameters as free variables and the insensitive parameters as empirical values. Sobol's method [
The main idea behind Sobol's method for the computation of sensitivity indices is to decompose the function or model of
The LUT algorithmis generally computationally efficient [
The cost function that links the simulated and observed values is then established. The function is expressed as
Due to the periodicity in the LAI chronological series, the LAI
The Fourier model coupled with polynomials (non-classical harmonic methods) can reduce the "roughness" in the fitting procedure [
Using the data assimilation technique, the uncertainty in the observed data can be taken into account to improve the simulation results. Thus, the uncertainty can be included in the fitting procedure to possibly improve the precision level of the LAIr in the time series. Based on this consideration,
The study area is located in the Wutumeiren prairie (latitude 36°46′ to 37°30′N, longitude 92°18′ to 93°24′E), Qinghai Province, China (
Thirty MYD09Q1 images(
The parameters LAI,
Based on the qualitative and quantitative priori information acquired from the field measurements, empirical values were used to determine the parameters that were insensitive to NIR and RED wavelengths (
The NDVI images from DOY 97 to 177 and from DOY 265 to 329 (the arid periods) were used to retrieve relatively lower LAI values, and both the NIR and NDVI images from DOY 185 to 257 were used to retrieve relatively higher LAI values to alleviate the influence of the soil background (Section 2.1.2). As stated in Section 2.1.4, LAImax-fre was used as the LAIr, but it may be not reliable at low values of
As previously discussed, the Fourier model can remove singular points in time series. For example, in
As shown in
The Fourier model can be used to simulate the variation of LAI values in a time series. The Fourier model includes 11 free variables, which are fitted by the LAIr at different periods and the least squares method. However, the set of free variables in the Fourier model is much smaller than that in physical dynamic models, such as crop growth models. Physical dynamic models can better simulate the growth of crops because they are structured based on the physical mechanisms of vegetation growth. However, more work needs to be done on the selection of the appropriate model to simulate or approximate the growth of wild plants in alpine wetlands and to determine the large sets of input parameters. Therefore, it is infeasible to use a physical dynamic model to improve LAI estimates.
The Fourier model has been widely used to smooth the curves of parameters that are periodic. However, the model might not improve the precision level of the dataset. In this study, the Fourier model used in the fitting process was extended by taking into account the uncertainty in the LAIr values. As explained in Section 4.4, the improved fitted curves will be close to the points that have lower uncertainty and avoid points with larger uncertainty. The LAIr will have the best results and the precision level should be improved. As in the Fourier model, the extended Fourier approach can be used if the dataset is periodic, but the model will improve the precision of the dataset only if the uncertainty in the dataset is expressed correctly.
The LAIuncertainty imported in
Characterized by high altitude and cold and dry weather, the alpine wetland is extremely fragile and vulnerable. The vegetation is typically composed of a single type of annual herb. In this study, an extended Fourier approach was presented to improve the LAIr values in a 2011 time series from an alpine wetland located in western China. The LAI was retrieved on DOYs based on the ACRM, the MYD09Q1 product from DOY 97 to 297, and the LUT algorithm. To alleviate the ill-posed inversion problem, three strategies were implemented. (I) To reduce the influence of the soil background, the NDVI and NIR reflectance of wavebands were used to retrieve the LAI for sparse vegetation and dense vegetation, respectively;(II) A sensitivity analysis of the ACRM in the RED and NIR wavelengths was performed to determine the free parameters using Sobol's method;(III) The priori information was imported to constrain the range of free parameters in the ACRM. The LAIr in the time series did not form smooth curves due to the effects of the ill-posed inversion problem. A normalized Fourier model with two additional polynomials was used to smooth the LAIr curves in the time series because of the periodicity of the vegetation in the study area. The Fourier model is able toimprove the level of precision of the LAIr if singular points are present, but it may also reduce the level of precision if the datasets that the model is based on contain large uncertainty. An extended Fourier approach was presented by taking into account the uncertainty in the LAIr in the Fourier model to improve the level of precision of the LAIr. The LAIr, LAIF, and LAIeF values were validated through a comparison with field measured LAI (LAIm) values, which resulted in R2 values of 0.68, 0.67 and 0.72, RSS values of 3.47, 3.42 and 3.15, and RMSE values of 0.31, 0.30 and 0.29, respectively, on DOY 177 (early July). On DOY 233 (late August), the R2 values were 0.73, 0.77 and 0.79, the RSS values were 38.96, 29.25 and 27.48, and the RMSE values were 0.94, 0.81 and 0.78, respectively. The results demonstrated that this approach has the potential to improve the level of precision of periodically varying parameters in a time series.
This work was funded by the Fundamental Research Funds for the Central Universities (No. ZYGX2012Z005) and the National High-Tech Research and Development Program of China (863 Program, No. 2013AA12A302). The authors are grateful to Yongshuai Yan, Bo Zhang, Hongzhang Dai, Xiaojing Bai and Ningning Wang for their assistance during the field campaigns.
XingwenQuan designed and performed experiments, analysed data, and wrote the manuscript; Binbin He gave comments and suggestions to the manuscript and performed the experiments; Yong Wang commented the manuscript and checked the writing; Zhi Tang and Xing Li performed part of the experiments.
The authors declare no conflict of interest.
Sensitivity of normalized difference vegetation index (NDVI) to leaf area index (LAI) (
The study area (Wutumeiren prairie). The color composite Landsat5 image is TM4 (red), TM3 (green), and TM2 (blue). Green points represent the sampling plots from 6 to 9 July 2011, and the yellow points represent sampling plots between 26 and 29 August 2011.
Sensitivity analysis of key input parameters of ACRM at near-infrared (NIR) and RED wavebands using Sobol's method. TSI stands for total sensitivity index.
Distribution of LAIr. Because of the ill-posed inversion problem, LAIr is not a single value but a wide range of different frequencies.
LAIr compared to the field-measured LAI on DOY 177 (July) (
Comparison of the LAIr and LAIF for three pixels from dense vegetation to sparse vegetation in the time series. (
Results of LAIF compared to LAIr in early July (
Comparison between the LAIr, LAIF, and LAIeF values of three pixels from dense vegetation to sparse vegetation in the time series. (
Results of the LAIeF values compared to the LAIm values in early July (
Inputs to the ACRM.
|Sun zenith angle
|View zenith angle
|Relative azimuth angle
|Ǻngström turbidity coefficient
|Leaf area index
|LAI of ground level
|Mean leaf angle of Elliptical LAD
|Hot spot parameter
|Markov clumping parameter
|Refractive index
|Weight of the first basis function
|Leaf mesophyll structure
|Leaf equivalent water thickness
|Dry matter content
|Brown pigment
Ranges and steps (dx) of sensitive parameters in the ACRM for the NDVI and NIR image-based retrieval schemes.
Levels of precision of LAIr, LAIF, and LAIeF compared to LAIm on DOY 177 and 233.


text: A recent post lamenting the state of GQ and Esquire got me to thinking. If GQ is basically turning into Maxim light and Esquire is not far behind, are there any men's publications out there that fill the void when one is looking for a serious publication devoted to men's style? One that I mentioned was The Rake. It is mature, informative, and covers everything from bespoke tie makers to etiquette and more. Are there any other magazines worth reading out there? I'm going to go ahead and guess that if there are most of it will be international publications. I haven't seen much come out of the U.S. Other than styleforum, what are you reading that relates to men's style? Why do you like it? Or on the other hand, why are you sticking with GQ and/or Esquire?


text:
The Israeli ambassador to the Czech Republic last week bestowed a posthumous Righteous Among the Nations Award to a couple who gave refuge to three Jews in a Slovak village during World War II.
At a ceremony at the Israeli Embassy in Prague on Nov. 24., Ambassador Moshe Yegar delivered the award to Ruzena Stepnickova, the daughter of Vojtech and Anna Mjartus, who risked their lives to hide in their home three Jews who were being pursued by the Nazis.
Stepnickova, who was 8 years old at the time of her parents' heroic action, was accompanied at the ceremony by her husband and two granddaughters.
Yegar said the action of Stepnickova's parents had been risky for the entire family and that it was a greater act of heroism than fighting on the battlefield.
"They could not guess whether their humanitarian deed would go on for weeks only, or for months or years," said Yegar. "They could not anticipate when the war would end or their humanism and moral strength."
Yegar noted pointedly that in the same village where the Mjartus family succeeded in saving three lives, 18 other Jews were hunted down and executed by the Nazis.
Some 8,000 individuals have been awarded the Righteous Among the Nations medal for their efforts to rescue Jews during World War II.


text:
It's par for the course for celebrities to have creepy fans, but Whitney Houston had at least one that was a total loon. The FBI just released its file on the singer, which includes a series of letters sent by Houston's team to the agency back in 1988. The letters, written by an unidentified fan in Vermont, start out innocuous enough, but eventually devolve into intricate claims that the author is madly in love with the singer. The writer—who ends every letter with the exceptionally creepy phrase "please keep smiling"— is so desperate to hear back that he or she "might hurt someone with some crazy idea and not realize how stupid an idea it is until after I have done it."
According to the documents, the FBI actually took these threats pretty seriously, and both fingerprinted the letters and interviewed the writer, who claimed to have no intention of ever hurting Houston's family or friends. [via Letters Of Note]
Submit your Great Job, Internet tips here.


text:
The fried chicken giant is suing one of it's suppliers, saying the cups used to hold popcorn chicken caught on fire while being reheated in the microwave oven.
Louisville-based KFC said in a federal lawsuit that Paris Packaging Inc. of Paris, Texas, changed the content of the ink used on the containers, using a new formula that includes carbon, which may catch fire if heated.
The restaurant chain said at least two people reported fires. KFC said company employees then tested the cups in a microwave oven and, after being heated for 13-19 seconds, the cups caught fire.
KFC spokesman Rick Maynard said no one was injured because of the fires.
''Since the safety of our customers is our top priority, KFC took immediate action by removing the packaging based on two reported issues,'' Maynard said.
KFC, a division of fast food giant Yum Brands, is seeking at least $757,000 to cover the cost of more than 11,000 recalled containers and other unspecified financial damages. The company, in the suit filed Monday, also wants U.S. District Judge John G. Heyburn of Louisville to issue an order that KFC cannot be held responsible for any damage caused by the cups that combusted.
A message left for Paris Packaging was not immediately returned Tuesday morning. An e-mail sent to Paris Packaging President Bill Carver was not immediately responded to Tuesday.
KFC claims Paris Packaging, which has been supplying boxes and cups to KFC since 2007, changed the composition of the ink used to print labels on cups and boxes in February without notifying the restaurant chain.
The issue arose when a customer complained to KFC on Feb. 4 that the cup containing popcorn chicken ''spontaneously burst into flames'' while being reheated at a customer's home, KFC said.
KFC sent a notice to all restaurants and franchisees on Feb. 20, telling them to stop using the Paris Packaging containers until further notice.
According to a series of letters attached to the suit, KFC and Paris Packaging had multiple discussions about how to handle the remaining containers in KFC's supply chain and whether and how KFC would be reimbursed for the containers it could not use.
''Simply stated, the containers are not safe for use by Yum or its customers,'' KFC Vice President and General Counsel Matthew Preston wrote to Paris Packaging on March 27.
In another letter to Carver, dated March 12, KFC offered Paris Packaging an opportunity to remain as a supplier to the restaurant chain, provided it took financial responsibility for the recalled cups and boxes and modified the way the packages were made.
''You then stated that, under these conditions, Paris Packaging has no interest in continuing to supply this packaging to the KFC system,'' Preston wrote.
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text:
Saturday, Dec. 3
St. Johns Church in Millersburg annual Christmas Craft Show, 9 a.m.-2 p.m., (located next to funeral home on state Route 39 West). Gifts for everyone; candies, cookies and many other items.
West View Healthy Living Soup-Stravaganza and Craft/Gift Show, 11 a.m.-2 p.m.
Current subscribers have full access to all online news content as part of their subscription. If you are a current subscriber, please log in with your website account information for full access. If you are a current subscriber, but have not yet registered for access to the website, please call our Circulation Department at (330) 287-1615


text:
Voting wait solved
Colin McNickle did an excellent job in his column "Oh, the disenfranchisement!" (March 17 and TribLIVE.com) challenging Common Cause on its contention that waiting lines on Election Day are too long.
Common Cause's proposal of extending the voting time for a week before Election Day opens up a whole list of possible fraud opportunities.
This early voting must include some voter identification system involving people, money and facilities. This additional cost is not mentioned by Common Cause.
I have some good advice for the progressives who think they wait too long: To avoid standing in long lines, vote only once in each election!
Bob Vincent
Upper St. Clair


text:
We can't alter his work, but to prolong its life we can reduce its exposure to light, which fades and degrades materials and adhesives; remove dust, so it doesn't attract water molecules, which can corrode foils; and clean the Throne, to keep it shiny and true to the artist's concept of a heavenly setting for salvation.
Helen Ingalls
Objects Conservator Smithsonian American Art Museum
Jazz from the 1920s sounds nothing like jazz today. Why do we use "jazz" for such different music? -- Patrick Leonard, Charlottesville, Virginia
In the past 90 years, jazz has changed tremendously, resulting in a myriad of styles: New Orleans, swing, bebop, cool, hard bop, modal, fusion, Latin jazz and others. The many disparate styles of jazz are linked by melodies with bent or "blue" notes, call-and-response patterns, off-beat and syncopated rhythms, and, finally, improvisation—each time a jazz band plays a piece, it sounds fresh.
John Edward Hasse
Curator of American Music National Museum of American History
What's your question for our curators? Ask now!


text:
The nation's largest yakuza syndicate has canceled its annual Halloween trick-or-treat event with a grovelling apology to children hoping to score a fistful of candies.
A recent high-profile split of the powerful Yamaguchi-gumi is behind the cancellation, with mobsters fearing that a gang conflict could put their pint-size guests at risk, yakuza experts said on Thursday.
The Kobe-based gangsters traditionally hold a variety of community events, including a rice cake-making festival, and have previously invited neighborhood children to Halloween parties, where they hand out bags of sweets.
However, a notice posted on the gate of the yakuza group's office explained that the heavily tattooed gangsters would pull the plug on this year's trick-or-treating, the Sankei newspaper reported, without clarifying why.
"The Halloween event that has taken place annually on Oct. 31 will be canceled this year due to various reasons," the notice read. "We regret disappointing parents and children looking forward to the event, but we promise to resume it next year."
Like the Mafia and China's triad gangs, the yakuza engage in everything from gambling, drugs and prostitution to loan-sharking, protection rackets and white-collar crime.
Each of the designated yakuza groups has its own headquarters.
The Yamaguchi-gumi was rocked by internal strife last month following the defection of several top leaders who formed their own splinter group. The split prompted police warnings of a possible repeat of a 1980s gangland bloodbath, with a series of raids and arrests made since.
A photo apparently taken last year that was posted on Twitter shows yakuza setting tables in a garage, where they had colorfully decorated bags of sweets ready for children in fancy dress.
"The Yamaguchi-gumi has split and is in tense relations with the (splinter) group," Atsushi Mizoguchi, a freelance writer and expert on underworld syndicates, said.
"If they gather the neighborhood children and an incident occurs, the boss would be pursued for responsibility."
The yakuza used to host a variety of community events, such as summer festivals, but have been forced to scale down because of declining social tolerance for mobsters, Mizoguchi added.
Tomohiko Suzuki, another freelance writer who covers organized crime, said he was at last year's trick-or-treat event organized by the Yamaguchi-gumi.
"There was almost no media attention last year," he said. "But it would create havoc this year."


text:
How to Buy
Solutions Overview
This script is Copyright (C) 2006-2015 Tenable Network Security, Inc.
Synopsis :
The remote Gentoo host is missing one or more security-related
Description :
The remote host is affected by the vulnerability described in GLSA-200610-03
(ncompress: Buffer Underflow)
Tavis Ormandy of the Google Security Team discovered a static buffer
underflow in ncompress.
Impact :
An attacker could create a specially crafted LZW archive, that when
decompressed by a user or automated system would result in the
execution of arbitrary code with the permissions of the user invoking
the utility.
Workaround :
There is no known workaround at this time.
See also :
Solution :
All ncompress users should upgrade to the latest version:
# emerge --sync
# emerge --ask --oneshot --verbose '>=app-arch/ncompress-22.214.171.124'
Risk factor :
High / CVSS Base Score : 7.5
CVSS Temporal Score : 6.5
Public Exploit Available : false
Family: Gentoo Local Security Checks
Nessus Plugin ID: 22522 (gentoo_GLSA-200610-03.nasl)
Bugtraq ID: 19455
Get Nessus Professional to scan unlimited IPs, run compliance checks & more
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text:
TV mafia visit Gulf
Page Tools
James Gandolfini as Tony Soprano and Tony Sirico as Paulie Walnuts in The Sopranos.
Photo: Supplied
Even TV mobsters have a soft spot for US troops serving abroad.
James Gandolfini and Tony Sirico of Channel Nine's The Sopranos are on a USO-Armed Forces Entertainment tour in the Persian Gulf, the USO (United Service Organisations) said today.
Gandolfini, who stars as mob boss Tony Soprano, and Sirico, who plays Paulie Walnuts, are signing autographs, posing for pictures and watching movies with the troops, the organisation said.
The trip is part of the USO-AFE (Armed Forces Entertainment) tradition of bringing celebrities to the "front lines" of combat activities, the USO said. Among those who have participated this year are Wayne Newton, 50 Cent, Toby Keith, Tom Green and Rob Schneider.
It was not clear whether the actors visited Iraq. For security purposes, details about the trip were being withheld, including specific locations they were visiting and how long they were in the region, USO spokeswoman Donna St John said.


text:
The Twitter IPO — listing under TWTR — will be the belle of the IPO ball this week, but we'll also see a huge plate of other offerings, spanning diverse industries including energy, biotechnology and even Indian film production and distribution.
The Twitter IPO shouldn't lack for buyers; this morning, the company upped the price range on its 70 million shares to $23 to $25, up from $17 to $20. Underwriters include Goldman Sachs (GS), Morgan Stanley (MS), JPMorgan (JPM), Bank of America Merrill Lynch (BAC) and Deutsche Bank (DB). And if you'd like to know more about the Twitter IPO, we've got you covered here.
Now, let's take a quick look at the other deals:
Arc Logistics Partners
Arc Logistics Partners (ARCX) is a master limited partnership that owns and operates a portfolio of energy logistics assets, such as terminals and storage facilities. The MLP's main focus is to generate stable cash flows to pay a strong dividend.
Last year, ARCX posted $96.3 million in operating cash flows and $65 million for the first half of this year.
Arc Logistics plans to issue 6 million shares on the New York Stock Exchange at a price range of $19 to $21. Underwriters include Citigroup (C), Barclays (BCS), SunTrust Robinson Humphrey (STI) and Wells Fargo (WFC).
Avianca Holdings
Avianca Holdings (AVH) is a top airline in Latin America, with strong footprints in countries including Colombia, El Salvador, Nicaragua and Panama. The company operates more than 5,500 weekly scheduled flights across more than 100 destinations.
For 2012, revenues came to $4.3 billion, up from $3.8 billion, and operating profits increased from $202.4 million to $280.9 million. AVH has gotten lots of traction with its LifeMiles frequent flyer program, which launched in March 2011, and it now has 5 million members.
Avianca plans to issue 27.2 million shares on the NYSE at a range of $17 to $20. Underwriters include JPMorgan, Citi, Bank of America, UBS (UBS), BTG Pactual and Deutsche Bank.
Barracuda Networks
Barracuda Networks (CUDA) develops cloud-connected systems for security and storage. It has sold products to over 150,000 customers across more than 100 countries.
From fiscal years 2011 to 2013, revenues climbed from $142.1 million to $198.9 million. But during this time, net income swung from a gain of $2.9 million to a loss of $7.4 million.
CUDA plans to issue 4.1 million shares on the NYSE at a price range of $18 to $21. Underwriters include Morgan Stanley, JPMorgan and BofA.
Blue Capital Reinsurance
Blue Capital Reinsurance (BCRH) is a newly created reinsurance firm that is focused on the property catastrophe market. The company believes it is part of an asset class that is uncorrelated to the other major categories like global equities, bonds and hedge funds. BCRH also plans to distribute at least 90% of its income in dividends.
Various subsidiaries of Montpelier Re Holdings (MRH) will manage BCRH's reinsurance underwriting decisions and other services. The firm is a top global provider of property catastrophe and short-tail reinsurance solutions.
BCRH plans to issue 6.3 million shares on the NYSE at $20 per share. Underwriters include Deutsche Bank, Barclays, Keefe Bruyette & Woods, Raymond James (RJF), UBS and RBC Capital Markets.
EROS International
EROS International (EROS) co-produces, acquires and distributes Indian-language films. Its library includes more than 2,000 titles, as well as 700 additional films for which it holds digital rights only.
During fiscal years 2011 to 2013, revenues increased from $164.6 million to $215.4 million. However, net income fell from $47.6 million to $33.7 million.
EROS intends to issue 12.5 million shares on the NYSE at a price range of $15 to $17. Underwriters include Deutsche Bank, BofA Merrill Lynch, UBS Investment Bank, Jefferies and Credit Suisse (CS).


text:
Today's Devotional
A Word to the WealthyWhat resources, talents, or other gifts has God given you?
Top Music Videos
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text:
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Best Music Videos Of The Week, 6/16-6/22
Juicy J feat. The Weeknd – "One Of Those Nights"
Juicy and The Weeknd find themselves in a situation straight out of a George V. Higgins novel in this video. While the story itself makes for a compelling video, it's the expert use of slow pans and the performances by Juice and Weeknd that make "One Of Those Nights" a shoe-in for one of the best vides of the year.


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Table Tap by Arnout Visser
Inspired by inventions and scientific research, this object's basic function has been put into a new context. Table tap also reminds us of a perfume atomiser, though now it functions as a small water pump at the table. Pouring a simple glass of water really is a fascinating experience.


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Bitcoin, an electronic currency not issued by the central bank of any country, although it has been around since 2009 and publicly traded since 2010, has been firmly thrust into the media limelight this year based on its appreciation and volatility.
What prompted this post was a downdraft in the currency from Dec. 15 to Dec. 18 when the value of one bitcoin went from $928 to $455. The Wall Street Journal reported that a popular Chinese bitcoin exchange stopped exchanging yuan for bitcoin, explaining part of this selloff.
Conventional foreign exchange trading of sovereign currencies takes place around the clock from 5 p.m. Eastern Standard Time on Sundays through 5 p.m. EST on Fridays. While currencies appreciate or depreciate in FX trading, most currencies are quoted out to four decimal places -- except for the Japanese yen, which is quoted out to two decimal places. A 0.0001 move in a currency is called a pip (a percentage in point). In dollar terms, a pip is 1/100th of a penny. A 40 pip move can be a big day for a currency. Bitcoin's $473 price swing in a three-day period is 4,730,000 pips.
The point is that this isn't how a currency should behave. The price swings make trading in bitcoins a speculation, not an investment or a store of value. While a bitcoin can serve as a method of payment, with its current volatility it puts too much price risk into transactions.
My economics professor taught me that there are four reasons to hold cash: transactions, speculation, liquidity and as a store of value. From my perspective, bitcoins fail the liquidity and store-of-value standards. As currency, it isn't ready for prime time.
A currency without borders has some attraction. The move to the euro shows that, although that currency has had some growing pains, too.
Bitcoin supply is limited, with a cap of approximately 21 million bitcoins scheduled for around the year 2140. Bitcoins are created by mining them on a computer, by solving a mathematical problem that creates a block of 25 bitcoins. The value of a block is halved every four years. The first halving took place in 2012, when the value of a block went from 50 bitcoins to 25 bitcoins. The last halving is expected to take place in 2140. While 21 million bitcoins doesn't sound like much, the minimum denomination 0.00000001 of a bitcoin, called a satoshi for the founder of Bitcoin, makes it all work.
What do you think? Is Bitcoin a fad or the future? Do you want in or are you happy to watch from the sidelines?


text: Separately, Saks was upgraded on Tuesday to overweight from neutral by JPMorgan ( JPM), which cited higher sales, cost controls and inventory management for its revised opinion on Saks' stock. The company has seen its same-store sales rise for three months straight. JPMorgan's analyst, Charles Grom, wrote in a note that Saks is coming out of the recession strongly, with lower costs, a stable balance sheet and long-term opportunities. Grom also upped his price target on the stock to $11 from $7. Shares of Saks hit a new 52-week high of $9.57 earlier Tuesday, before pulling back. In afternoon trading, the stock was changing hands at $8.93, up 1.9%. --Reported by Jeanine Poggi in New York. Follow TheStreet.com on Twitter and become a fan on Facebook.


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Stretch Short-Sleeve Tee
$ 45.00
$ 150.00
Dark grey wool blend round neck T-shirt from Judson Harmon featuring short sleeves and a long length.
Measurements: item fits true to size.
Models Measurements:
Height (cm): 183
Bust/Chest (cm): 96
Waist (cm): 76
Hips (cm): 96
Model is wearing size: M
Composition: Wool 50%
Composition: Viscose 50%
WASHING INSTRUCTIONS: Dry Clean Only
Product Measurements


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Down Jacket Elegant
299.95€ 134.95€ VAT included
- Lining thickness: very warm lining
- wind and water-repellent
- warm down filling
Color : Navy
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This exclusive down jacket with refined quilting, detachable hood and faux fur impresses with its multifunctional properties. The warm ladies' down jacket is windproof and water-repellent, and ensures protection and comfort on cold winter days.


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Thailand Lady BoysThailand > Lady Boys - More in this Category > Thai Culture - History of Thailand - Religion - Language - Thai Food - Gay Thailand - Sex Industry - Drugs in Thailand
Lady Boys
Thailand is famous for its lady-boys (kathoey), men who dress and behave as women. These sometimes look incredibly realistic to the downfall of many male Western (farang) tourists. Thailand is very open-minded on the whole and lady-boys are an unmissable and obvious part of Thai society. You will see many lady-boys around working in restaurants, hairdressers, bars, hotels etc. There are some transvestite or transsexual muay thai boxers as well. There are kathoey cabarets in Bangkok, Pattaya and Phuket which are promoted as tourist entertainment.
Buddhism teaches tolerance, and transvestites and transsexuals are more open about it in Thailand than in the West. Beneath the surface though there may be more prejudice than appears on the surface but laws were passed in 1997 to make everyone equal. This still doesn't prevent discrimination. Kathoey are portrayed in the media as figures of fun - while this may seem harmless, it means that they are not taken seriously. Kathoey are sometimes referred to as the third sex.
Thailand is a popular place for sex change operations as the hospitals in Bangkok are very good and it is cheaper than in the West. There are many clinics which specialize in gender realignment surgery. Men can have breast implants and both sexes can be given new genitals. Hormones have to be taken first. Surgery is more effective if done earlier rather than later as otherwise transsexuals still have to live with some of the effects of puberty. For instance men to women transsexuals will still have a deeper voice, larger hands and feet, and more facial hair than most women. Many transgenders feel from an early age that they were born the wrong gender but usually do not undertake surgery until they are older. Some lady-boys can not afford to have the sex change operations required and continue with male physical attributes, but dress and portray themselves as women. Some kathoey have surgery in stages as they can afford it so they may have breast implants but still have male genitals. Thais who change sex have the right to change their title as well, ie the equivalent of changing from Mr to Miss.
Lady-boys are very hard to spot. Some clues are: the height - bear in mind that Thai women are very petite so a lady-boy may be the same height as a Western woman rather than a Western man; signs of an adams apple; shape and size of hands, wrists and hands; and a deep voice.
Holiday Guides - Cyprus - China - Costa Rica - Croatia - Dubai - France - Greece - Hawaii - Ibiza - Italy - Majorca - Malta - Mexico - Portugal - Spain - India - Thailand - Turkey
Specialist Breaks - Alaska - World Cruises - Golf Holidays - Grand Canyon - Kilimanjaro - Thailand Golf Holidays - African Safaris
Weekend City Breaks - Timeshares - Airport Parking - Airport Hotels - Ferry Tickets - Vacation Rentals in Spain - Travel Insurance


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Reviews & Testimonials
"This is a highly usable, content-rich resource. Summing Up: Highly recommended."
–Choice, March 2006
"…[The two rare book libraries] are
comprehensive in their coverage; they contain, in some cases,
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works, and they include numerous books of fascinating
provenance — books from the personal
libraries of such personages as Adam Smith, Lord Sheffield,
David Ricardo, John Locke, Jeremy Bentham,
William Wilberforce, Robert Owen, Sir Robert Peel,
William Wordsworth and Karl Marx."
—Nathan Rosenberg, Professor of Economics at the University of Wisconsin, Editor, Journal of Economic History


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We are offering canteen management system. Ezcanteen, there is no need of any manual system and the information flow to employee, to the canteen contractor and hr is seamlessly available. Key features coupon less canteen management: do away with manual system of maintaining coupons & related hassles. The system records item wise consumption against each usage and transfers the data to cms for reporting. Pre paidpost
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Content Management System Delhi Ncr
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Sugar Tapestry
November 14th, 2010, 11:49 PM
I just tried Karen's recipe for the "Cinnamon Spice" cookies and they were absolutely delicious! I made it exactly the way the recipe is, but I used vietnamese cinnamon. The label actually reads "Saigon" cinnamon. I read that vietnamese cinnamon is a sweeter cinnamon. I think it is one of the best cookies I've ever tasted, and I love the "No Fail Sugar Cookie". The "Cinnamon Spice' are right up there IMHO. They didn't spread at all. A lovely fall cookie recipe!


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Small business marketing is dead and there are a number of reasons why. Here's a few;1. If you are still thinking as a small business, then you are never going to be a BIG one. Mindset is everything.
2. Being caught up in all the small business marketing jargon on the Internet will not only cripple your business, but it will also waste your time to the point that you will spend more time reading and being confused, then putting in action any marketing plan that can make a real difference to your business.
3. Marketing is marketing. It doesn't matter what size you are, it's what you do with it. That means that regardless of how many people you employ or how much revenue you achieve, marketing is still marketing. It is not discriminatory to any particular size.
4. When you write a marketing plan, you write it to grow. Think BIG, capture the essence of your unique selling proposition and make the world your oyster.
5. Most of marketing is about putting your brand first and making sure you actually implement any plan you have in place. Most 'small business marketing plans' are written to sit in the drawer and lack an execution model that is achievable.
Many small businesses are challenged by the amount of information that is out there in the market. It is important that we decipher what to take in and what to throw away. Most small businesses that come to Marketing Eye have the same issue; great ideas, not implementation strategy or resources.
- She runs an international
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11-time winner Stephane Peterhansel favourite to win Dakar Rally
Stephane Peterhansel starts as favourite for the 13-stage event, which begins in Argentina and ends in the resort town of Valparaiso in Chile
Frenchman Stephane Peterhansel is the big favourite to retain his Dakar Rally title when the gruelling 13-stage race starts on Sunday.
Peterhansel's victory last year was his 11th in the Dakar, five coming behind the wheel of a car, most recently a Mini, and six between 1991-98 on a Yamaha motorbike.
But the 48-year-old insisted there were "at least five competitors who could win the Dakar [car section] this year.
"Three of them are in my team," Peterhansel said in reference to Qatar's 2011 winner Nasser al-Attiyah, Spaniard Nani Roma (motorbike winner in 2004 and second in the car section in 2012) and Argentina's Orlando Terranova.
South African Giniel de Villiers, three times a runner-up in his Tokyo, and Spain's two-time world rally champion Carlos Sainz would also be contenders. "The first difficult will be the route, which is longer and more intense," he said.
The 13-stage race, with a single rest day, is 9,374 kilometres long for cars, with more than 5,500 kilometres of timed "special sections".
"The second difficulty will be Nasser [al-Attiyah]. He's a formidable opponent but always dangerous and it's much better to have him in the team.
"In this race, each kilometre is a minefield.It's difficult to say which stage will be the toughest. I fear them all and each race is hard to win." More than 400 vehicles - cars, motorbikes, quad bikes and trucks - will take part in the event up until January 18, the sixth Dakar in South America.
The rally begins in Rosario and ends in the Chilean resort city of Valparaiso, with five special stages marked out on completely separate routes, with motorbikes and quads on one hand and cars and trucks on the other.
Overall, the "separation" includes around 2,000km of timed sections, covering more than 40 per cent of the distance, and bikers will also cross into Bolivia.
Race organisers have said that "in sporting terms, this has the double advantage of taking motorcycle and quad riders on to more technical and narrower tracks during some stages, while enabling the leaders of the car race to 'hit the trail' without using the tracks left by the two-wheelers".
Cyril Despres, a five-time winner of the motorbike section, said the latest edition was a "massive challenge", not least because he changed from KTM to Yamaha, who have not won since 1998.
"I switched to start something else, to see another type of motorbike, to experience something else with new teammates and team spirit," Despres said.
"It's certainly not easy but it's very exciting.
"And it's true that there was a little joke with Stephane Peterhansel, who told me that I was close to winning the same number of victories as him and it would be good to see it on a blue [Yamaha] motorbike.
"And there you go, seven months later, the joke has become a reality."
But Despres insisted beating Peterhansel's motorbike record was "clearly not my goal".
"I fight to win races," he said. "But I don't wake up during the night telling myself that I have to win a sixth trophy."
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Gucci White Viscose Ribbed Dress
White Viscose Ribbed Dress from Gucci featuring a round neck, a sleeveless design and open knit details. Made in Italy. Wear it with White Viscose Ribbed Cardigan and Gucci White Leather Reversible GG Small Tote Bag for a sophisticated, glamorous look.
Composition: 52% viscose, 46% polyamide, 2% elastane
Product care: do not wash
Product code: 371117 X7225 9245
All deliveries are insured and dispatched using trackable courier services.
UK Delivery - Standard UK delivery takes 2-5 working days and costs £2.99, Next Day UK delivery is £10 and Saturday UK delivery is £20. Orders placed after 12 pm will be processed on the next working day.
International Delivery - Fixed international shipping and tax rates can be found by selecting the country of your choice on our checkout pages. If the country that you want your item posted to does not have a fixed shipping rate available please contact us and we will send you the shipping quote you require.
Please click here for more details of our shipping policy (or you can use the 'shipping' link available at the bottom of our website).
If you do have any specific queries regarding UK or International deliveries please call us on (+44) 1273 727 022 or send us your query using our contact form.
You may also be interested in the following product(s)
White Viscose Ribbed Cardigan£740.00


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Let us know when your receive great advice so we can thank our lawyers and point others with similar questions in the right direction.Got it!
My federal return was filed and ultimately audited. I moved out of state was not represented and did not respond to the audit. Once I became aware of the audit and learned the return had been adjusted my accountant filed for an audit reconsideration and the adjustments were reversed. Meanwhile the state of Illinois received the erroneous information from the IRS and filed a tax lien against me. I faxed them a copy of the IRS account transcript showing that the lien should not have been filed. They have only agreed to "release" the lien and not "withdraw" it as they should because it was filed in error. I also had to pay them $22 to issue the release. How do I get the lien withdrawn and ultimately removed from my credit report? The released lien is having a negative effect on my credit. Help!
The IRS may now issue a withdrawal of a filed Notice of Federal Tax Lien after the lien has been released. If you wish to have the Notice of Federal Tax Lien withdrawn, you must request the withdrawal in writing. Please use Form 12277, Application for Withdrawal (PDF). In item 11, Reason for requesting withdrawal, check the last box, "The taxpayer, or the Taxpayer Advocate acting on behalf of the taxpayer, believes withdrawal is in the best interest of the taxpayer and the government."Ask a similar question
This is a State tax lien, not a federal tax lien.
Post a free question on our public forum.Ask a Question
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"Kronk" came the raven's calls from ash trees above the priory ruins. These were crisp, precise calls, with each shortened kronk beginning and ending with a sharp guttural click and its middle sounds vibrated like speeded-up rumble. From lime trees across the other side of the Linden Fields park came the drumming of a woodpecker. The greater spotted woodpecker had found a tree with a hollow which he was hammering with his beak in short bursts of intensely rapid beats. The sound was wooden but almost metallic, a bit like a metal ruler being boinged on a desk but much louder and more intense, as if it were an electronic alarm. Between the raven and the woodpecker, a fall of fresh snow draped over grass, hedges and trees.
The two birds were using the cold, clear air – without a breath of wind – to carry their sounds across the landscape. Perhaps each bird was creating an aural territory in which its mate and potential adversaries were to be aware of this powerful presence. Perhaps both birds were experimenting with their own technique, testing themselves against the acoustic conditions and the dynamics of the season. There was only a faint sound of traffic; otherwise the town and the other birds had fallen silent. What appeared to be happening was that the raven and the woodpecker were sparking off each other, like musicians. The sounds they made became louder, clearer, more intense. The kronk calls became more gargled and clipped, the drumming shifted to a higher pitch, becoming more metallic, like rimshots. It seemed unlikely that the raven and the woodpecker were challenging each other for the same territory; it felt as if the two birds were jamming. Away to the west, mossy rags of cloud brushed against hills, and here soft, wide flakes fell from a blue sky, silencing.


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On Holiday with the Spinner: Taking it Through the Airport2012-08-30 9 11 Share Tweet
On holiday and your bags are already packed? Take a few minutes to read through first on some tips for your spinner surviving airport security.
Holidays are always exciting times, whether it be a city break, a beach holiday, or an all out into the wild, cutting yourself off from society wilderness experiment. When i first got my Spinner 360°, i couldn't wait to take it with me on holiday – being able to explore a brand new place with a completely new perspective. However, just getting it abroad was a forseeable problem.
Lets be honest here, the spinner looks…suspicious. With the ringpull and the perculiar shape, it does look slightly like a bomb. And airports have a slight aversion to bombs.
In my experience, security took a good while surveying my bag under x-ray, so in order to avoid yourself the hassle, and in order for you to keep your beloved 360 degree panoramic camera, Follow these steps.
1. Explain politely and patiently what the interesting object in your bag is
2. Pack your camera's instruction manual, and show it if you are getting hassled. It will soon be clear that the device in your hands is used to create powerful images, not explosions.
3. Show your film stash, if you brought one. More evidence as to your innocence.
4. Don't be tempted to open up the back or pull the cord. only do this with permission, and if the three other steps have failed.
On my trip to Greece it took steps 1 to 3 before their suspicion ceased. I thought at that point I may lose my beloved Spinner.
Lastly, try not to become too hassled and irritated. Airport security is only there to do the very important job of protecting you from the bad in the world. Be patient.
Now enjoy your holiday!
written by shmarmy on 2012-08-30 #gear #tutorials #camera #tipster #quickie-tipster #spinner-travelling-airport-security-360


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Selected Community Events
Operation FINALLY HOME Community Kickoff
Oct 11, 2012 4:30 - 5:30 PM
University Title 1021 University Drive East College Station, TX 77840
The Bryan College Station Chamber of Commerce & King Oaks Community invite you and your staff to join us for a special community announcement and ribbon cutting! Operation FINALLY HOME is coming to Bryan-College Station and we need your support. Operation FINALLY HOME is based in Houston and works to provide custom-made, mortgage-free homes to wounded and disabled veterans and the widows of the fallen in an effort to get their lives back on track and become productive members of their communities. This national non-profit is partnering with local home builders to build a mortgage-free custom home for a wounded veteran in the acreage neighborhood of King Oaks.
Alexis Lucente, email@example.com, (972) 380-9595, Ext: 1002


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|Home Page > Morgan Lynn
Morgan Lynn, J.D., Manager of LGBTQ Program, received her advanced degree from Georgetown Law as a Public Interest Law Scholar. She was an editor for the Georgetown Journal of Gender and the Law and a student attorney in the Domestic Violence Clinic. She interned with WEAVE and the Legal Aid Society, and focused her studies on feminist theory, critical race theory and women's human rights. She also created and co-facilitated the course "Conscientious Lawyering Seminar: Race, Class, Gender, Sexual Orientation in Legal Education and Practice."
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Twilight's Edward Cullen Ruins Guys' Chances With Girls
According to one writer, Edward Cullen, the moody heartthrob of "Twilight" (in case you've been living under a rock for the last year or so), has ruined, just ruined the chances of young men when it comes to wooing their female counterparts. Ergo, Lydia Netzer lists "Ten Ways 'Twilight' Has Ruined a Generation of High School Girlfriends." Apparently, Cullen's sullen, pouty ways, heroic casualness, and come-here-go-away dating vibe has won the hearts of teen girls but destroyed the likelihood of teen boys scoring with them. "It used to be hard to get a date in high school," Netzer writes. "Now, thanks to Twilight, it's got to be damn near impossible." With Mr. Vampire acting so awesome, Regular Dudes are sure to fail the Cullen-inspired expectations of their prospective girlfriends.
How so?
"He can save you from speeding SUVs and vampires and thugs without sweating. If a real boy saved you from a thug he'd probably rehash the whole event in front of his friends forty times, but Edward just wanders off."
"When he's being cryptic, and you push him to explain himself, it just makes him like you *even more.* Real boys tend to have to get off the phone when this happens."
"When he's moody, it's because he wants to eat people, not because he's about to break up with you."
To read more, click here.


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New website coming online for Heavey RF Group soon and many exciting announcements for 2013.
Copyright | Terms & Conditions | Privacy Policy
©2015 ZIH Corp and/or its affiliates. All rights reserved. Zebra and the stylized Zebra head are trademarks of ZIH Corp., registered in many jurisdictions worldwide. All other trademarks are the property of their respective owners.


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Go ahead and post about your studio here, I'm eager to get to know everyone and see all the wonderful works we have all made and can share.
Purple Tree is a traditional/digital art studio which loves to focus on "At the con" commission work (though we sell some prints and novels too). Tabletop characters are our absolute favorites.
Click here for our deviantART gallery
Click here for our website.
But rather than be lazy and make you do all the work, I'll share 3 of our more recent projects (click for full view).
Also we may have something special planned for 2013.
See you all soon. Look forward to meeting the rest of you!
This post has been edited by Stkbayfield: 21 December 2012 - 12:47 PM