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Morgan Stanley (NYSE:MS) is a U.S. bank holding company and the seventh largest global asset management firm in terms of assets under management with $522 billion.[1] Morgan Stanley advises large, institutional clients on how to structure and execute transactions, including mergers and acquisitions, and helps them with debt and equity issuance. Additionally, Morgan Stanley offers trading services and manages assets for institutions and wealthy individuals.
In 2010, MS reported an income of $4.5 billion for the year compared to $1.3 billion in 2009. Net revenues were $31.6 billion for the year compared with $23.4 billion a year ago.
Morgan Stanley's Institutional Securities group was the most profitable segment of its business plan in 2010. Institutional Securities incorporates several different businesses including Investment Banking and Sales and Trading. The segment provides financial advisory and capital raising services primarily through wholly owned subsidiaries that include Morgan Stanley & Co Inc., Morgan Stanley & Co International plc, Morgan Stanley Japan Securities Co., Ltd and Morgan Stanley Asia Limited. The segment also conducts sales and trading activities worldwide, as principal and agent, and provide related financing services on behalf of institutional investors.
Morgan Stanley's Investment banking provides corporate and institutional clients globally with advisory services on key strategic matters, such as mergers & acquisitions, divestures, joint ventures, corporate restructurings, recapitalizations, spin-offs, exchange offers and leverage buyouts and takeover defenses as well as shareholder relations. Its capital raising activities involve participating in public offerings and private placements of debt, equity and other securities worldwide. Its corporate lending activities including providing loans or lending commitments, including bridge financing, which involve providing capital on a short-term basis to a company prior to its going public or its next major private equity transaction.
Morgan Stanley conducts sale, trading, financing and market making activities on securities and futures exchanges and over-the-counter (OTC) markets around the world. Its sales and trading activities include Equity Trading, Interest Rates, Credit and Currencies, Commodities and Clients and Services. The banks is also a leader in electronic trading. Electronic trading involves using computers to conduct trades rather than involving human agents. It also carries significantly lower margins.
This subset of Morgan Stanley focuses on providing advising services on investing and wealth planning, provides services for retirees, and offers insurance, credit, and other money lending products. It provides advising services to individuals and smaller businesses, however, its emphasis is on ultra high net worth and affluent investors.
Morgan Stanley's asset management services large institutions such as pension funds. [3] To combat trends of asset outflows the business has appointed new managers in addition to bringing on new talent in the lower ranks. Morgan Stanley's alternative investments platform includes hedge funds, funds of hedge funds, funds of private equity fund and portable alpha strategies, including FrontPoint Partners LLC, a leading provide of absolute return strategies. The platform also includes minority stakes in Lansdowne Partners, Avenue Capital Groupe and Traxis Partners LP. Morgan Stanley's Merchange Banking Division includes the bank's real estate investing business, private equity funds and infrastructure investing group. Morgan Stanley typically acts as a general partner of and investment adviser to, its alternative investment and merchant banking funds.[4]
Morgan Stanley is one of the first few major banks which has divested its private equity operations in the US and moved the business to China, creating an opportunity for the bank to launch a new line of yuan-denominated private equity funds in the country. [5]
Rising interest rates raise the cost of borrowing for all lenders, dampening the overall demand for mortgages and other home loan products. The U.S. Federal Funds Rate could help to stimulate demand for loans and lower default rates by allowing people to refinance their homes at lower rates.[6][7]
Rising corporate income tax rates directly increase costs for taxes paid to the government, which decreases the amount of profits left for banks to fund investments and reinvest in operations. However, changes in tax law can also benefit banks. Proposed fiscal legislative reform which would effectively increase the capital gains tax paid by private equity firms and other money managers could increase the rate of IPOs in the short term. The rise in IPOs would be a result of money managers and PE firms attempting to avoid an increase in capital gains tax.[8]
Investment banks, particularly those with significant mortgage securitization practices, are very sensitive to the residential real estate market. Mortgage-backed securitization (MBS) is the bundling of mortgages for sale to third parties. When the housing market goes down, the value of the underlying mortgages backing these securities falls as well. Moreover, the overall number of mortgages also decreases.
Housing loans have traditionally been a strong source of revenue for banking firms. With the current interest rate environment, owners of real estate are selling to take advantage of the high short-term rates. With low interest rates in the future, prospective home owners are staying out of the market and waiting for short-term rates to drop before looking for a loan. This over-arching attitude has weakened the housing loans business for banks, such as Morgan Stanley.
International expansion is a leading driver of investment banking and trading business. This expansion has occurred in a number of ways. Part of the growth is driven by private equity, US company expansion, and the growth of capital markets in developing countries. Also, demand for access to foreign stock markets has risen.[9]
US companies often seek to expand their presences in other countries through acquisitions, leading to advisory fees for investment banks. Likewise, private equity companies are increasingly looking for international opportunities and require investment banks to take their acquisitions public. Finally, demand for capital and thus investment banking services, in developing countries like Brazil, China and India has increased exponentially over the last year and is expected to continue to grow for the foreseeable future. In particular, Morgan Stanley has increased its operations in China and made strategic investments.[10]
An increase in US Government regulation could have a substantial impact on the operations of Morgan Stanley as well as the rest of the financial industry. Depending on the wording and interpretation of the regulation, the impact could include Morgan Stanley's proprietary trading, hedge fund and private equity investments, and change the company money holding directly[11] Additional or increased regulation can cause the bank to alter its operation or cause it to pay fines directly.
All holding banks will be prevented from engaging in proprietary trading and in any trades where there is a "material conflict of interest". In addition, "material exposure to high-risk assets or high-risk trading strategies" will be banned. While it is unclear what will be outlawed in the second two clauses, proprietary trading makes up a substantial portion Morgan Stanley's annual revenue. While the impact may be large, the true extent depends on the interpretation and implementation of the regulation.[12]
The Basel III rules will force banks to increase the amount of money they hold against liabilities. While the goal of the regulation is to prevent banks from becoming over leveraged, they may also prevent the banks from creating the same profit margins that they previously were able to attain.[13]
Other regulation may place limits on the extent to which banks may invest in hedge funds or in private equity funds. This is commonly referred to as the Volcker Rule.[14] In order to improve their returns, Morgan Stanley, like many of its peers, invests in organizations like hedge funds and private equity funds. These funds tend to have higher returns, but also tend to be higher risk. While the regulation aims to lower speculation and high risk investments, it may also prevent Morgan Stanley from achieving the returns it has historically gotten. Swaps, which are used by banks to offset their risk or hedge against potential outcomes, may also be regulated. This would prevent banks from taking certain positions because the risk would be too high without the possibility of a swap.[15] [16]
Furthermore, regulation imposing a fee to financial institutions that keep their money in the Federal Reserve would increase the cost of operation for Morgan Stanley.[17][18][19]
Morgan Stanley's primary competitor is Goldman Sachs Group (GS). Two the firms competed intensely as two of the premiere Investment Banks in the industry.[20] The firm also has strong positions in both debt and equity underwriting. It's primary competitors are Goldman Sachs Group (Gs), and J P Morgan Chase (JPM).


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TEGUCIGALPA, Honduras (AP) — At least one man suspected of drug trafficking has died in the first Honduran anti-narcotics raid using U.S. radar intelligence following a five-month suspension of sharing of such data, authorities said.
The cooperation was halted after incidents in which the Honduran air force shot down two suspected drug planes in violation of agreements with Washington.
The Honduran navy said late Wednesday that one of three Jamaican men on a go-fast boat carrying 350 kilograms (772 pounds) of cocaine died when a Honduran coast guard vessel rammed the craft before dawn about 4 kilometers (2.5 miles) off the country's northern coast.
Rear Adm. Rigoberto Espinal said one of the other Jamaicans jumped into the sea and disappeared, but his fate had not been confirmed. The third man was detained.
The Jamaicans "did not put up any armed resistance, but we had to ram the boat with a coast guard vessel, with the unfortunate result that one of the crew members died," Espinal said. "The other was detained and the third jumped into the sea. They usually throw their weapons into the sea when we arrive."
"The survivor has already been interrogated by DEA agents who are with us," Espinal said.
Dawn Dearden, a spokeswoman for the U.S. Drug Enforcement Administration, said there was no DEA involvement in the operation.
Espinal also said DEA agents did not participate directly in the raid. "The United States informed us of the boat's location by radar ... and we started the chase," he said.
"This is the first successful anti-drug operation since the re-establishment of the radar signals by the United States," Espinal said.
He estimated that as many as five tons of drugs may have passed through Honduras in each of the five months that the radar system was suspended.
The United States resumed radar intelligence sharing in late November. It stopped sharing radar data in August because the Honduran air force shot down two suspected drug planes in violation of agreements intended to prevent deaths in such operations.

subset: commoncrawl


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132 N Tejon St
Central Colorado City - Colorado Springs, CO 80903
(719) 635-8548
When Nord Brue and Mike Dressell started Bruegger's in 1983, they actually founded the retail bagel concept. Up until that point, bagels were considered mostly an ethnic food and were not known much outside of New York. At that time, less than one-third of Americans had ever tasted a bagel! From their home base in Burlington, Vermont, Brue and Dressell pioneered a new concept that expanded the traditional bagel bakery into a quick service bakery with premium specialty cream cheeses, custom-made sandwiches, signature soups and exceptional coffee. They worked with a professional bagel baker from New York City for 2 1/2 years to perfect their recipe and baking process. Today, more than 25 years after the first Bruegger's opened in Troy, New York, there are about 300 Bruegger's in 26 states and the District of Columbia, with more on the way! We offer a comprehensive menu of healthy choices for breakfast & lunch. Our menu includes natural, preservative-free bagels, premium cream cheese flavors, 25 breakfast & lunch choices under 500 calories, hand-tossed salads and hearty soups including a daily vegetarian option.
24 N Tejon St
2237 E Platte Ave
1506 S Nevada Ave
1107 S Nevada Ave Ste 101
528 S Tejon St
1534 S Nevada Ave


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Steam Greenlight Spotlight: Reprisal
Posted: 07:32PM
Author: ClayMeow
Reprisal is a real-time strategy god game that pays homage to the 1989 classic Populous. Like Populous, Reprisal does not grant you direct control over its people, but rather allows you to manipulate terrain and call forth divine powers to indirectly control your followers and wipe out enemy factions. Populous is widely considered as the very first god game, and while many god games have come since, Reprisal is the first to really capture the essence of the genre. Reprisal is not like Black & White or the recent Reus, where you have large creature under your command to help you do your bidding – this is just you and the elements: earth, wind, fire.
Keeping in line with the nostalgia aspect, Reprisal uses a tilt-shift pixel art style. "Tilt-shift" is a technique you commonly see with those images of "faked miniatures" – in real world application, it's literally tilting and shifting the camera as to shoot from an off-angle. Doing so affects what is in focus and the depth of field blur. Reprisal uses an isometric view with blurred edges to capture this tilt-shift look. Though many people feel pixel art is overdone in indie games these days, it really lends itself quite well to this game and the tiled nature of the terrain works perfectly with the terraforming (though it can be a bit finicky). This is a good thing since terraforming will be your predominant power throughout the game, flattening land for your followers to build and expand or eventually connecting your settlements to neighboring islands to further expand and/or conquer neighboring tribes.
Reprisal features 30 campaign islands compared to Populous' 500 levels. But to make up for that disparity, Reprisal also features a Skirmish Mode, providing you with an endless supply of battles against up to three AI opponents. There are five terrain types and fifteen different totem powers to unlock (five per element). My only real issue with the game is its locked resolution. While keeping in line with the nostalgia feel, it's quite annoying to be playing on full screen and have to scroll around a small viewing area when the full map could have easily been displayed. Once you start playing on the bigger maps, it gets rather frustrating having to scroll all over the place and makes it harder to manage everything than it has to be. I am not a fan of games that are artificially harder because of (what I perceive as) poor or lazy game design decisions. That being said, the game isn't actually that hard – in fact, it may be a bit too easy. So far I have been able to simply employ the same strategy every match, though I haven't finished all the missions.
Despite my disappointment with the size of the viewable playing area, Reprisal is a fun and engaging game. As with any good god game, it's fun seeing your decisions indirectly affect the game and it's arguably even more fun when your plans inevitably go wrong and you have to scramble to regroup, fix, or work around some newly formed obstacle. In the audio department, Reprisal features a fitting chip tune soundtrack by Eric Skiff. And apart from the music, Reprisal was surprisingly and impressively created by just one man – Jon Caplin.
If you are on the fence about the game, a demo is available on its official website or even on Kongregate, if you would like to earn a few badges in the process. Check it out and then go vote Yes!
Previous Spotlight: Ethan: Meteor Hunter. Favorite the OCC Steam Greenlight Spotlight Collection. And don't forget to visit the forum thread.


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Coalgate: BJP asks PM to quit, Sonia says 'let them ask'
"Why should we allow our opponents to get away with propagating negative impressions? You should ask them: 'what have you or your party done to change things in our country?' I have no doubt that they have no credible answer," Sonia Gandhi said.BJP demands PM's resignationdelhi Updated: Apr 23, 2013 18:01 IST
Intesifying its attack on the government over the coal block allocation scam, BJP Tuesday demanded the resignation of Prime Minister Manmohan Singh and sacking of law minister Ashwani Kumar.
The BJP Parliamentary Party which met in the Capital under the chairmanship of LK Advani passed a resolution in this regard and charged the government with suppressing the truth from coming out in the coal scam.
The opposition party had stalled Parliament Monday over the issue and demanded that the law minister make a statement on his alleged role in vetting the CBI affidavit for the Supreme Court on the coal scam investigation.
"The BJP Parliamentary Party today has resolved that in the light of the series of scams and the present way in which the government has sought to suppress the truth from coming out, Dr Manmohan Singh must resign and the law minister Ashwani Kumar must be sacked," BJP deputy leader in Rajya Sabha Ravi Shankar Prasad told reporters after the meeting.
He said the party has formally demanded that the PM must resign and the law minister be sacked.
Prasad said the party is of the opinion that the UPA government under Singh has "destroyed" and "subverted" every institution in the country.
"The UPA government first indulges in corruption and then subverts institutions to suppress the truth. It stands exposed before the country. The UPA government has forfeited its right to govern. BJP demands that the Prime Minister and the law minister resign immediately," the BJP leader said.
Stepping up its attack, he said the government only wants a discussion on corruption and is not ready for any honest audit on it.
The BJP Parliamentary Party also discussed the JPC draft report on 2G and former telecom minister A Raja's contention that whatever actions he took were in the knowledge of the Prime Minister and decisions taken after consulting him.
Asked if it would raise the issue again in Parliament, Prasad said, "We will raise the matter. This government is running away. It does not want an honest discussion. This government does not allow us to question it on the irregularities committed by it. We will not support the government."
On whether both Houses of Parliament will run smoothly on Tuesday, the BJP leader said, "It is the duty of the government to run Parliament smoothly."
He alleged that there is a conscious attempt to suppress the unravelling of the truth.
"And this suppression is sought to be done at the highest level," he said.
Taking on the law minister, he said, "Since when does CBI need an English tutor like the law minister... More particularly when the Supreme Court has specifically restrained the Government of India and the CBI lawyer from sharing the contents of the affidavit with anyone."
Prasad said inspite of the assurance from the additional solicitor general in March that contents of the CBI affidavit had not been shared with any political authority, the government has "misled" the Supreme Court and now "a very fake allaby is being given that the law minister was correcting the grammer of the affidavit. This is preposterous, laughable."
"The government is trying to suppress the truth from coming out shamelessly even from the Supreme Court and then trying to give an allaby which is laughable. This is plainly not acceptable," the BJP leader said.
While BJP said in its notice that any unauthorized leak of the JPC report was a breach of privilege of Parliament and action should be initiated against those responsible for it, Dasgupta said, "The report was deliberately handed over to the press to gain political mileage. It (the leak) has violated all parliamentary norms of a JPC and Parliament has been put to shame. If this is allowed to go on then there is no need for any JPC in future."
Meanwhile, senior CPI leader and Lok Sabha MP Gurudas Dasgupta supported the BJP's demand for Singh's resignation, saying, "the Prime Minister is guilty of dereliction of duty on a number of counts."
"There are reasons for demanding his resignation. I firmly believe that the Prime Minister is guilty of dereliction of duty on a number of accounts. He has not been doing his job. He has failed to keep his commitment to the country," he charged.
'Let them ask'
Unfazed by the Opposition attack, Congress president Sonia Gandhi dismissed the demand for the resignation of Prime Minister Manmohan Singh over the coalgate issue.
"Let them ask" was the terse response of Gandhi when approached by reporters on the issue after a meeting of the Congress Core Group headed by her.
"Why should we allow our opponents to get away with propagating negative impressions? You should ask them: 'what have you or your party done to change things in our country?' I have no doubt that they have no credible answer," Gandhi said.
The meeting of the Core Group was convened immediately after both Houses were adjourned over the issue for half an hour in the morning.
The meeting, which was also attended by parliamentary affairs minister Kamal Nath discussed the strategy ahead in wake of the Opposition reviving its attack on the government on the coalgate issue and bringing the Prime Minister as well under the target.
Keeping up the heat on the government, BJP Tuesday demanded resignation of Prime Minister on the coalgate issue.
Gandhi had Monday also given an indication of the aggression in Congress' response to the Opposition's charges.
Addressing an alumni meet of NSU, she had asked partymen to fight back by not allowing its opponents "to get away with propagating negative impressions".
Parliamentary affairs minister Kamal Nath also alleged that the BJP was using "diversionary politics by trying to draw the attention away from core issue."
"In the last nine years, the BJP has demanded the Prime Minister's resignation many many times. And there is no basis to this. The BJP is using diversionary politics by trying to draw the attention away from core issue," Nath said.
The minister's statement came after the BJP intensified its attack on the government over the coal block allocation scam and demanded the resignation of Manmohan Singh and sacking of law minister Ashwani Kumar.
"Parliamentary democracy entails debate, discussion and that has to happen on the floor of the House. It can't happen on the street. So, I believe that by dialogue, we can find convergence on all issues. That will be my effort to ensure that we have convergence," Nath told reporters outside Parliament House.
Reacting to BJP allegations, information and broadcasting minister Manish Tewari said: "The matter is pending in the court. Therefore, it is inappropriate to go into the merits of any of the issues."
"But since the BJP wants to politicise everything, perhaps it would be appropriate from them to account for the omissions and permissions which took place in telecommunications and in coal during their regime in 1999 to 2004," the Congress leader added.
(With inputs from PTI, IANS and ANI)
First Published: Apr 23, 2013 11:08 IST


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I've made pulled pork a couple of times. One version was made in a slow cooker, with bottled BBQ sauce, it was fast and simple (I might blog that one during the winter). In 2004, I watched Emeril Lagasse make this very pulled pork recipe in the oven, with pretty good results-- still it was missing that wonderful smokiness that reminds my husband of his home state of Missouri. I really like Emeril's barbecue sauce, and I've made it a few times for other cuts of grilled meats. My husband loves pulled pork, and I wanted to make this recipe again, since it was tried & true. After weeks of overcast skies, and temperatures hovering in the mid-60's, we finally had a sunny and warm weekend. I decided that I would use the oven to make homemade sandwich buns, and I wondered if I was ready to attempt adapting this recipe for a Weber grill. I've read several articles on how to turn a Weber into a smoker, but I wasn't sure that I wanted to tend a Weber grill for several hours. It seemed so complicated!
Steven Raichlen had in this excellent cookbook that I bought a few years ago. This book gives step-by-step photos on how to grill just about anything. I asked Craig if he'd be willing to babysit the Weber grill, while I got busy making the cole slaw, barbecue sauce and rolls. Craig is a bit insecure about cooking, but he sat down and read the instructions on making North Carolina Style Pulled Pork (which uses more of a vinegar-based mop sauce. We prefer more of a tomato-based barbecue sauce, so I stuck with Emeril's recipe, but let this book show the two of us how to grill pulled pork. The process took about 4 hours, and I'm going to share with you how to prepare the grill, make the seasoning mix, the sauce and the end results. First, you need to make the rub:
(I will post the printable recipe to this seasoning at the very bottom of this page.) I make a batch of this seasoning for the rub, as part of the barbecue sauce components and the rest is perfect for Red Beans & Rice or any kind of creole dish you like. Why buy this, when you probably have all the spices on hand? You need paprika, kosher salt, black pepper, onion, powder, cayenne, dried oregano and dried thyme.


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- Shop
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- Pre-owned, Discontinued & Collectable
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- Sage ESN (Discontinued)
Sage ESN (Discontinued)
Heavy fishing pressure pushes trout out of their soft glides into faster, choppy runs protected by rocks and structure. Europeans developed a style of direct line nymphing using multiple, weighted flies fished under tension on light tippets to systematically dissect these micro-environments, catching fish when no other method could. The new ESN Series with Konnetic Technology® makes for an extremely light rod, ideal for the repetitive casts this precision method requires. Its responsive, supple tip telegraphs every boulder, bump and bite, giving you ultimate control.
Sold Out


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Traveling Tea Box: Group A - round 2 discussion
So if you've read any of my posts, I've made it through 11 out of 33 samples from the Box! There are a few things I absolutely refuse to drink: namely, anything with sparkles, little shiny silver decorative balls, blatant artificial flavors, or other wierd looking ingredients.
I've posted a pic on my Facebook (feel free to friend me if you haven't already).
If that link doesn't work, just try this & scroll down (it won't be very far, I don't post that often).
I plan to have this in the mail by the weekend, so again, if there are any requests…
And Jillian!
Can you add me as a 'friend' & send me your address because you, my dear, are Next!
Apologies to everyone, I didn't get to the PO today after all, but I promise I'll get this out early in the week.
Before the Teabox gets to me does anyone further down the line have any requests? I can't make any promises but I'll do my best to fill them. :)
I want to apologize to everyone for dropping off the radar for a few days. One of my sisters (not MsWhatsit) suddenly came to visit, & although I was done with the box, everything in my house came to a screeching halt!
So, regarding the box, I sampled almost everything in it, posting comments on most of them. Leif sampled quite a few of the teas with me, & a few by himself. My grandaughter Julianna also sample a few with me, & that was really fun. Here's what I added:
A present for BoxerMama :)
A present for Sil too :)
Samples of the following for Jillian to enjoy &/or pass on to others:
Tiger Assam – A&D
Mt Gray – A&D
Double Knit – A&D
Premium Taiwanese Assam – Butiki
Organic Strawberry Green – Frontier
Jasmine Dragon Pearl – Teavana
Magnolia Puerh – Numi
I hope the box travels safely, & looking forward to hearing others posts!
I had originally added more stuff to it, but then I realized I forgot to weigh the little journal with the box of teas, so I had to take some stuff out, :(
Just bumping this!
This is so cool. Hope to join one of these soon when the rounds are all done :)
And the teabox finally managed to escape customs and arrive on my doorstep!
Just FYI I'll have the teabox ready to send off tentatively by Monday.
bumping again


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Angelina Jolie Greets Young Refugees on Trip to Lebanon
Angelina Jolie bends down to chat with a young Syrian refugee at an informal tented settlement on Sunday (February 23) in Zahle, Lebanon.
The 38-year-old actress, who is also a UNHCR Special Envoy, is on a three day visit to meet with some of the thousands of refugees who have fled the civil war in Syria.
PHOTOS: Check out the latest pics of Angelina Jolie
"Meeting these children was a heart-rending experience," Angelina said in a statement. "They have lost their families and their childhood has been hijacked by war. They are so young, yet they are bearing the burdens of their reality as if they are adults."
Bigger picture inside…


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Home / Boxing / BOXING GLOVES / Sparring and Training Gloves / Ringside Apex Flash -14oz
Model Number: FTG2-14
With Ringsides Apex Flash Sparring Gloves, you can add a bit of flash to your workout, while a full 2 ¼ of shock absorbing IMF Tech padding helps keep you protected. Made of durable synthetic leather for easy cleaning, the gloves include a 3 ¼ wrap around, hook & loop closure for both support and convenience. A mesh palm and anti-microbial inner liner combine to keep the hand cool and comfortable. Complete with an attached thumb for added safety. Make an impact like never before with Ringsides Apex Flash Sparring Gloves!.
Available Options:
Boxing, Martial Arts, Mixed Martial Arts, Kickboxing and all other contact sports are high risk sports and users of these products are subject to personal injury. These training and fitness accessories provide a degree of protection but are not warranted to protect the user from injury. The user must assume full responsibility for any injury sustained through the use of these products. Depending on usage, the protective quality will diminish in time and require replacement.
© Copyright 2018 Full Contact Sports
Privacy and security | Return policy | Shipping policy


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NEW YORK (AP) — U.S. stock futures slumped Thursday as selloffs in Asia and Europe overshadowed positive reports in the U.S. on jobs and retail sales.
Cited repeatedly as the cause for this week's heavy declines is uncertainty about how central banks will ease out of the markets that they helped to prop up during the worst of the economic crisis.
Dow Jones industrial futures fell 31 points to 14,947. The broader S&P futures slipped 4 points to 1,612.52. Nasdaq futures fell 4.5 points to 2,915.75.
The number of Americans seeking unemployment benefits fell 12,000 last week to a seasonally adjusted 334,000, the Labor Department said Thursday. Weekly jobs numbers are volatile, but the four week average dropped as well and hiring is holding up.
There were 175,000 jobs added last month and with the improving jobs landscape, people are again spending. Consumer spending drives about 70 percent of all economic activity in the U.S., making it a crucial aspect of a full economic recovery.
The Commerce Department reported Thursday that spending in retail stores last month hit the highest levels in three years.
In the face of higher taxes that kicked in to start the year, the report is encouraging.
Still, the positive data in the U.S. was not enough to turn futures markets around in the U.S., which followed global markets downward.
Investors in Japan began the rout, bailing out of the Nikkei and sending the index plunging more than 6 percent. That puts the Nikkei in solid bear territory. Markets in China plunged in the first day of trading after a three-day holiday.
The huge losses in Japan and China spread across Asia, rattling smaller markets, and then jumped to Europe and the United States.


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Color management in Photoshop Color management in Lightroom Soft Proofing in Photoshop Soft Proofing in Lightroom Tone and color optimization In Photoshop In Lightroom Printing from Lightroom The Print module (right panel) Print longevity Impact of OBA's Acid Free vs. buffered PH neutrality Environmental factorsChapter 6: Developing a Printing Workflow (30 pages) When to print in Photoshop vs Lightroom Photoshop print workflow Lightroom print workflow Combining Lightroom and Photoshop print workflows Using 3rd party RIPs
Will there be a chapter on the Epson advanced B&W process? That would be helpful to me.
Although it is not a RIP, is Qimage Ultimate covered in that last chapter or could you add it anywhere where Lightroom gets its explanations? The new DFS, Deep Focus Sharpening, is an interesting option in that program too.On print longevity are there references to Aardenburg-Imaging, etc so people know where to look for paper properties and fade test results? Mark has some excellent articles on his website.
May I ask the anticipated publication date?
Will there be a chapter on the Epson advanced B&W process?
I presume that this topic will be covered in Chapter 3 under tone and color, and I would like to see an expanded discussion of these topics along the lines of Karl's white paper. I know that you don't like HDR, but feel that this topic should be addressed.
I would like to see a description of how each of the rendering intents work, particularly perceptual and relative colrimetric and especially covering the differences when there are no colors out of gamut compared to when there are out of gamut areas, I really don't think it is covered well anywhere.
It is difficult to say just from TOC how will address some topics but what I miss from all books about printing and color management is deeper insight in some facts like what is .oms file, what information you need beside icc profile for optimal print, what is linearization and how to perform it, how to detect ink limit, how to set up printer for various paper thickness, how to test all that and how to change it and optimize if you find that result is not as good as it can be.
There are lots of topic in this forum that are here because no one ever write about them in a book, like difference in measurement and real life perception in gloss and matt paper maximum black or DMax, general difference in gloss and matte surface and paper characteristic like ink comsuption, scratch resistance, media handling.
http://www.pigment-print.com/spectralplots/spectrumviz_1.htm470+ inkjet paper white spectral plots, November 2012:rearranged categories, Sihl Masterclass papers following soon
Looks pretty comprehansive to me.Already drooling in anticipation - disgustingly Pavlovian of me I know - but I can't help it.Tony Jay


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WESTCHESTER COUNTY, N.Y. -- Better Homes and Gardens Rand Realty was honored for its outstanding performance during the past year at the 2014 Cartus Broker Network International Conference held at the Harbor Beach Marriott Resort and Spa, in Fort Lauderdale, Fla. Cartus is a worldwide leader in employee relocation solutions.
Better Homes and Gardens Rand Realty was presented the Cartus Five Star Award, which recognizes brokers who have met or exceeded their individual objectives for outgoing broker-to-broker referral closings during the calendar year.
"The effort that Better Homes and Gardens Rand Realty put forth toward not only achieving but also exceeding their objectives for outgoing broker-to-broker referral closings speaks volumes about the commitment to success that makes our brokers such highly valued partners," said Gerald Pearce, Cartus executive vice president, Broker Services and Affinity Services. "We are proud to be affiliated with this talented group of real estate professionals and look forward to our continued joint success in the future."
"The importance of placing broker-to-broker referrals cannot be overemphasized," said Matt Rand, Managing Partner of Better Homes and Gardens Rand Realty. "We are happy to join the list of network members from around the country who have worked so hard to succeed in doing this."
In addition to the awards ceremony, the event included workshops, roundtable and panel discussions, and executive presentations.
Click here to sign up for Daily Voice's free daily emails and news alerts.


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Sweet & Savory Tomato Jam
If you like it, save it!
Save and organize all of the stuff you love in one place.Got it!
If you like something…
Click the heart, it's called favoriting. Favorite the stuff you like.Got it!
Author Notes:
Just enough sweetness to tow the line between a condiment for roasted and grilled meats and a treat to slather on toasted baguette, this is a great way to preserve summer's bounty. —Jennifer Perillo
Just enough sweetness to tow the line between a condiment for roasted and grilled meats and a treat to slather on toasted baguette, this is a great way to preserve summer's bounty. —Jennifer Perillo—Jennifer Perillo
Food52 Review: Merrill and I are huge fans of tomato preserves, but I'd never made one quite like this. Jennifer Perillo's recipe calls for vinegar, cumin, coriander, onion and salt, which I expected to translate into a chutney-like preserve. But there's enough sugar in this jam to keep it balanced -- deliciously -- between a sweet and savory. It made me realize that tomatoes really need an acid like vinegar to underline their sweetness; the vinegar also adds an important feeling of richness to the jam. Jennifer Perillo says you can serve the jam with grilled meats as well as spread it on toast. The only issue with this recipe is that it makes just 3 half pints; I'd like to share it and yet I'd find it difficult to part with any of them. - Amanda & Merrill —The Editors
Makes: 1 1/2 pints
3 1/2
pounds tomatoes, coarsely chopped
small onion, chopped
cup brown sugar
1 1/2
cups granulated sugar
teaspoon salt
teaspoon coriander
teaspoon cumin
cup cider vinegar
lemon, juice of
- Put all ingredients in a 2-quart pot. Bring to a gentle boil, then reduce heat to a simmer. Cook until thickened to a jam-like consistency, about 3 hours. Transfer to sterilized glass jars and store in refrigerator for up to two weeks, or use a hot-water canning bath for 15 minutes for long-term storage.
- Your Best Preserves Contest Winner!
More Great Recipes:
Condiment|American|Vegetable|Make Ahead|Summer|Vegan|Side


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Griego Mouthpieces Griego-Alessi 3D Small Bore
Griego Mouthpieces Griego-Alessi 3D, mouthpiece for small bore tenor trombone, cup depth: Medium Deep, cup diameter: Ø 26,66mm (1.0495"), throat: .262", small bore trombone shank, silver plated
Further information
|Cup Depth
|Cup Diameter
|26,66 mm
|Silver Plated
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Offers include 20% British VAT and are valid as long as stocks last. Shipping costs to the U.K. are 10 EUR (approx. £7), free shipping on orders above 149 EUR. Please click here for international Shipping Costs and Delivery Times. We do not accept liability for typographical errors or inaccurate information of any kind. *RRP = manufacturer's / distributor's recommended retail price in Germany


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At Bailey-Boushay House, our employees administer more than just nursing care to those with a host of physical and mental challenges. With the highest staff-to-patient ratio of any licensed nursing facility of its kind, we offer more patient contact, more support for partners and family members, more compassion, more understanding, and more opportunities to smile.
Our multidisciplinary team includes RNs, LPNs, physical therapists, social workers, nursing assistants, food service workers, and housekeepers. As employees of Virginia Mason, our staff members enjoy the emotional benefits of working at a nonprofit facility, but are paid as hospital employees-a higher level of compensation than the typical social service agency.
If this sounds like your kind of place, view our current employment opportunities. And see how it feels to have a job that's also a passion.


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For dependable and durable performance, choose Craftmade outdoor ceiling fans for your home's exterior. Craftmade outdoor fans are UL rated for wet or damp location such as lanais, patios and porches. These ceiling fans produce a wind chill effect that makes a space feel 8 to 10 degrees cooler during warm summer months. For cooling and illumination, see our selection of outdoor ceiling fans with lights.
Cooling Effects From Your Outdoor Craftmade Ceiling Fans
Heavy duty, smooth rotating, and quiet are a few of the guaranteed features included when you purchase a discount Craftmade outdoor ceiling fans. These durable fans are UL damp and wet rated and energy efficient with sealed motors encased in rust-resistant housings, allowing you to install it outdoors and feel confident it will survive the seasons. For high-end ceiling fans, see our selection of Casablanca outdoor fans.
Reliable exterior ceiling fans from Craftmade save energy and add notable cooling effects in the warm summer months when soaring temperatures can spoil your outdoor living experience. Add a UL rated or damp rated fan to your porch, veranda, patio, gazebo or garage and start enjoying the great outdoors. Higher fan settings are a cool way to keep bugs and mosquitoes at bay. Keep your fan rotating counter-clockwise to deter those pesky visitors and add a noticeable wind chill factor.
Craftmade ceiling fan headquarters are located in Coppell, Texas and were established in 1985. They have been recognized being a reputable fan and lighting company earning praise among industry critics. The quality is in the details. Their fans includes die-cast aluminum rotors, heavy-duty bearings, 3 speeds, stamped steel motor housings and gaskets that are fitted at the factory to diminish vibration and noticeably cut down on noise.
Craftmade UL wet rated exterior ceiling fans can be installed anywhere and survive the seasons. They can stand up to rain, snow and salt air because of the attention to quality and assurance of durability. Damp rated fans can survive the seasonal temperatures, however they cannot get wet. Outdoor damp rated fans must be installed in an area that will not be subjected to sprinklers, rain or snow at any time. Consider the purchase of a wet rated fan if you are unsure whether or not the fan will be subjected to these conditions at one time or another. Buy a Craftmade Exterior ceiling fan from our online shop. It is the best shop to find these high end quality fans like Monte Carlo ceiling fans at discounted prices.


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Online Anger Management North Carolina
New Hope Care ® offers the most widely accepted online anger management lessons and courses for court ordered clients, business and working professionals as well as for personal growth in the U.S. Our online anger classes are accepted and used throughout the United States as well as Canada and abroad. All programs are self-paced, convenient and affordable.
New Hope Care is the ideal resource to meet your court mandated requirements, probation, occupation or self improvement goals. New Hope Care comes with an instant downloadable "proof of enrollment" form that can be used to show any court official, or employer. At the end of our online classes participants will receive, free of charge, our "Certificate of Completion". Expedited shipping is available.
We offer the most comprehensive and widely accepted anger management program available online in the nation. Our programs come with our 60 day guarantee, so there is no risk in taking our online anger management classes. There is no reason to miss time away from work, school, family or life commitments. Our online anger management classes are available 24 hours a day/ 7 days a week. Our courses are available in all 50 U.S. states.
North Carolina Commonly Asked Questions about our Online Anger Management Classes
1. How much do these North Carolina online Anger Management classes cost?
The cost of our online anger management is Free for 8hrs,$59.99 for 12 hrs,$79.99 for 16hrs and 99.99 for 24hrs. Our online anger management class is the industry standard as one of the nation's premier provider of online anger management classes. The 24 Lesson Anger Management Program is state approve and satisfies all hourly requirements.
2. Are the Classes used for Legal Requirements?
It can often be difficult to find a trusted online anger management classes in North Carolina. While many customers take our classes for self development or personal growth, our courses are often used and accepted for court ordered or legal requirements. Our anger management class is a convenient way to complete a court ordered, PO, diversion or school required program.
3. Is a Certificate of Completion Awarded for this Class in North Carolina?
Our courses offer a Certificate of Completion when the class is completed. Our certificate of completion will state the hours completed along with your name, date of birth, case information, address and unique certificate verification number. Our courses are ideal for North Carolina.
4. How Quickly Can the Programs be Finished for North Carolina?
Our online anger management classes do not have a time limit to complete, so you can finish at your own pace 24/7. You can finish as much or as little as you wish each time you log in/out. Our special software keeps record of your progress, so you never have to worry about losing work. After you log out, when you log back in you start right where you left off. Our online anger classes are easy, a great learning experience with videos, with many audio and visual aids.
5. Do I have to Use the Same PC that I used when I registered in North Carolina?
You can access our North Carolina online anger management program from any personal computer 24 hours a day, 7 days a week! Our online anger class works on any browser as well as Mac and PC's. You can use Safari, Chrome Internet Explorer, Firefox or your Mobil phone.
You can take the class from any location in the United States, Europe, Canada or Australia with a computer and internet access. There is nothing to download or print, simply register, log in, pay and begin your anger class.
6. Is there a Final Exam?
The Anger Management Program is design for you to learn and understand your anger. The quizzes and test are part of the learning process. Each chapter is activated upon completion of the previous one. Once the last lesson has been completed the Certificate of Completion is activated and available for you.There is no test anxiety in our program.
7. Is this program accepted in my State?
Our online anger management courses have been accepted/approved by courts thousands of times in all US states, and have been used to meet court-ordered requirements in the following U.S. states and territories: Alaska, Alabama, Arkansas, Arizona, California, Connecticut, Colorado, Delaware, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Massachusetts, Maryland, Michigan, Minnesota, Mississippi, Missouri, Nebraska, Nevada, New Hampshire, New Mexico, New Jersey, New York, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, Puerto Rico, Rhode Island South Carolina, Tennessee, Texas, Utah, Virginia, Washington, Washington D.C., Wisconsin and Wyoming.
Our courses have also been utilized by students internationally in Canada, Malaysia, New Zealand and the United Kingdom.
If you're taking one of our courses for legal reasons, we offer a 30 day money-back guarantee in the unlikely event that our course is rejectedFree Anger Quiz!!
Online Anger Management


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Matt Stinton
Matt Stinton is a worship leader, songwriter, and Worship Pastor at Bethel Church. After growing up in a home filled with music in a small farming town in southern Wisconsin, he later moved to Redding, CA for BSSM. Matt brings fresh creativity and musical intuition in worship that releases the church into greater unity and honesty before God. His songs, "Who Can Compare," "This Is What You Do" and "Draw Near," are featured on We Will Not Be Shaken, The Loft Sessions, and For the Sake of the World albums. Matt currently travels in the U.S. and internationally, leading worship and representing Bethel Music.


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Manual social bookmarking service työt
...fabricantes para 1,000 productos de tecnología y ii) buscar estos productos en 17 tiendas en línea (pegar el Link a un Excel). Toda la búsqueda se tiene que hacer de forma manual, la aplicación de técnicas de "scrapping" no funciona porque cada tienda maneja la información de sus productos diferente (no hay un indicador común)....
It should be 15 pages and I need images to be inserted. You will get some images on google. 10-12 pages (full of text) for guide and rest pages would be for Terms and Condition (1 page)and warranty page(I will need half of it is customer details, Window type color) and warranty policy. Basically like a form. People like to read warranty page. You have to write about a page under each section. I w...
I need a freelance to edit a manual in INDESIGN. The final is composed by the union of two different manuals. The final version has to be like the file attached the only difference is that instead of English will be in FRENCH, all the translation will be provided by me. I will provide you from pag 1 to page 14 in word format already translated in
I have store built with magento platform .. I want you to analyse and test the all features and prepare a user manual for each screen and how to use it and whats the benefit of this screen.
We have written a sales training script, that needs to be cleaned up and proofed.
I need an accounting recording task to be done. Budget is aud 80-100. Need it done in 16 hours from now.
Require historic assay data to be manually entered into spreadsheets from PDF documents. ~700 pages; majority of sheets contain only 2 column x 20 rows of data.
We need proof reading on a simple manual Please review and provide bid Please submit full version word doc with track changes and accepted changes Thanks!
About a 100 pages for a manual in spanish needs to be conered to english.
I need a designer who know English and arabic for designing my product user manual
Hi, I need a get product user manual , Language arabic and english, we will give you all needed texts just need design and ordering it Thanks
I need you to write some content for guide , technical manual.
Translating and updating English consumer electronics to German language. Provide both word and PDF editable format as end result. Approximately 1200 words Need completion in 3 days
We require freelancer for manual form filling work data will be provided in mobile app and you have to fill it in forms manually. Form will be provided by Company. For more details and terms submit details and proposal. Work will be 12 months basis and payout as per output by candidates. For details provide you details including email alongwith proposal
We are an alternative healthcare clinic. We have lost the electronic copy of our employee manual. We have a hard copy that needs typing
Tenho desenhos simples (desenho de ferramentas físicas) desenhados a mão que preciso passar para o CorelDraw ou equivalente, trabalho de poucas horas.
Need to translate technical manual from RUSSIAN to ENGLISH
I am looking for one translator or a handful to help me translate a product manual into Russian, Ukraine, and Armenian. The part of the manual that needs to be translated is only 4 pages. Looking for a freelancer who is fluent in the desired language and who is experienced in the proper grammar/writing of the desired language.
Need a data entry expert. Experienced in excel VB macro
...to provide best in class workforce solutions to organizations. We would like an HR Professional to research / Google in net and prepare an Behavioural Indicators Questions Manual. Not all questions will be applicable to every situation; choose questions that fit the position. When interviewing multiple candidates for a position, it is important to use
We need an expert resource for testing our software application. Its a Web-based software. We will share details after primary discussion.
I am Prasanna. I work with TecPool Solutions Pvt. Ltd. We need an expert resource for testing our software application. It is a web and Android-based software. We will share details after primary discussion.
I am looking for a video editor to work on my videos. The first video is 5 minutes long and all the assets are ready to use in the video. 1) I have sample video for the video editor to follow the design. Check the video by clicking at [kirjaudu nähdäksesi URL:n] 2) I have script ready 3) I have voice over ready 4) I have the 3D models ready to use in the video 5) I have AI files of sc...
I need three things take it from the 3D model as below: Part one: manufacturing manual file. 1-Cover of the file entitled " manufacturing manual " + A large image of the product. 2- Bill of materials table (All types of steel required and thickness and total lengths of each type). 3- drawings for cutting steel parts including measurements for the length
Szukam freelancera, który może na podstawie dokumentacji fotograficznej wykonać manual konstrukcyjny w Lego Designer / LDD / L Cad lub innym programie dla konstrukcji Lego.
We have a few product manuals we need to translate to Italian. NO GOOGLE translation. The following manual is one of them. [kirjaudu nähdäksesi URL:n]
I have a site where I've installed the plugin "WooCommerce Bulk Discount" it works fine during the normal checkout and applies the discount but when an order is manually added (Through WP-Admin > Woo Commerce > Add order) the discount is not applied. Can you sort this? Seems like a quick fix hence the low budget This will involve PHP editing as you will most probably have to ...
Hi, There is no product on it. It is fresh installation of 184.108.40.206 The upgrade has to be done manually. Because after 1-click upgrade I have faced several database problems and function errors.
The brand is already established and operational. I would just like to build the brand manual for it. We already have the following: -Logo -Secondary Logo -Primary Color -Secondary Color
We have a few product manuals we need to translate to German. NO GOOGLE translation. The following manual is one of them. We already have the German translation for a very similar product manual for your reference. [kirjaudu nähdäksesi URL:n]
Hello , Dear We need SBM Expert which those can create 600 links. My for the project 5000 inr Links should be 40da/pa above. and links should be live not dad links.
We need a 29-page (11,100 word) technical manual translated from Chinese to English. The final manual has to be in good technical English, acceptable to US customers. We will provide the original Microsoft Word .doc file. The text inside the figures should also be translated, although we will generate the new figures. Contact me and I can provide a
...own ecommerce website. There is many price variations so the job is a manual data entry job. Message me for more specific details. Work MUST be completed in a certain timeframe, so please only apply if you have good timekeeping and MUST have attention to detail as this will be a manual entry job and you must be careful to enter the correct information
I need an expert automatic scraper only not the manual scraper, please. I have 1700+ links. Like : [kirjaudu nähdäksesi URL:n] [kirjaudu nähdäksesi URL:n] [kirjaudu nähdäksesi URL:n] [kirjaudu nähdäksesi URL:n]
creación de logo con su brandbook. Ya tenemos un bosquejo listo
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Ready carefully before responding. I need 1500 - 2000 ring images for each of the description sets below. This will be ongoing work with many more sets required than those below. A Python script is already available to download 10,000 images. So all that you need to do is run the script and then clean duplicates and manually check for quality and appropriate classification. It should only ta...
Hello, I have website coded in PHP. I want to have an extra feature in a minimum budget
Aphrozone is a Korean Skin Care company and requires to produce a detailed product manual in english. All information is highlighted in the project brief and almost all materials are provided. Candidates require graphic design skills.
I need you to develop some software for me. I would like this software to be developed using Python.
I need someone to perform ACCA Manual J Heat load calculations and Manual D approved Duct designs. The worker will be supplied with a 2-D line drawing, envelope and design conditions data with which to perform the work.
Hi, I need somebody to test my web app, preferably from India. You need to be responsive on Skype and have a Windows and a mobile phone. Say "test" to show that you have read the job description.
We want to prepare the user manual's of our product in which we can show whole assembling process of product for customer satisfaction.
We have a 48-page training manual which is already designed in AI. We need to change the overall look to be in line with our new brand manual. The inside pages need mostly font changes applied across the training manual and a minor spelling or grammar error needs to be fixed in about two or three places. There are also lines and page numbers at the
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I need 5 freelancers. We are a vendor of power tools (drills & similar). The products we generally contain english manual. We would like to sell these products in other european country and need to provide instruction in German/Spanish/Italian/Portuguese/Serbian and French. Translation can be done by starting with an automated translation, then proof
Hi, There is no product on it. It is fresh installation of 220.127.116.11 The upgrade has to be done manually. Because after 1-click upgrade I have faced several database problems and function errors. We need to do the upgrade from Linode image
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For this project, you will perform a search using EUROPE PMC. For example, you will perform the following search: METHODS:"gamma medica" Attached are results of the search. You will need to find all articles in search that have email addresses. For the authors with email addresses, you will need to make sure they are in USA and put them in an excel spread sheet w following fields: Fi...
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text:
How to communicate
Cohesion policy communication in practice
Examples of Cohesion policy communication activities from a wide range of European Union countries can be found at the following links:
- RegioNetwork
- Presentations made at INFORM network conferences
- RegioStars awards section, communication category
- Storytelling is a powerful tool to communicate in a more persuasive and accessible way about the results of cohesion funding and the real benefits of the policy for people. Key learning on storytelling techniques
- "Good practices in EU Regional policy communication" PPT presentation based on the Evaluation study on good practices in EU Regional Policy communication 2007-2013 and beyond - Annex Good practices in the Member States - Annex Supporting data collection evidence
- Cohesion policy communication rules – Questions and answers
- Use of the EU emblem
Any new communication examples shall be uploaded in the good practice section/communication on RegioNetwork.
The European Commission conducts periodic surveys on the perception of Cohesion Policy :
- Citizens' awareness and perceptions of EU Regional Policy (June 2017)
- Citizens' awareness and perceptions of EU Regional Policy (September 2015)
- Cross-border Cooperation in the EU (September 2015)


text:
C. Eric Lincoln Lecture Series Collection
Dr. Phillip Dunston (standing) talks with a group of lecture series participants, including main lecturer Dr. Shayne Lee, seated at the head of the table, Reverend Yvette Massey (center) and Dr. David Cann (right of Dr. Shayne Lee).
Date Information
color photographs
All visual content in this collection is protected by copyright or is the property of the Robert W. Woodruff Library of the Atlanta University Center, Inc., and/or the copyright holder as appropriate. For more information or to inquire about permission to publish, please contact firstname.lastname@example.com.
File Name
At the AUC Robert W. Woodruff Library we are always striving to improve our digital collections. We welcome additional information for any of the photographs in this collection. To submit information, please contact us at email@example.com.
Recommended Citation
"Lecture Series Participants" (2016). C. Eric Lincoln Lecture Series Collection, Photographs. Image 1.
The Atlanta University Center Robert W. Woodruff Library acknowledges the generous support of the National Endowment for Humanities - Humanities Collections and Reference Resources Implementation Project Grant in supporting the processing and digitization of a number of its major archival collections as part of the project: Spreading the Word: Expanding Access to African American Religious Archival Collections at the Atlanta University Center Robert W. Woodruff Library.
African Americans--Religion, Theology--Study and teaching


text:
U.S. stocks rose, rebounding from the worst drop since November, as data on housing and consumer confidence bolstered optimism in the economy. European shares slid with Italy's bonds as the nation's election stalemate spurred concern the debt crisis will worsen.
The Standard & Poor's 500 Index added 0.6% at 4 p.m. in New York after the U.S. gauge slid 1.8% yesterday. The Stoxx Europe 600 Index dropped 1.3% with volume 27% greater than the 30-day average. Italy's FTSE MIB Index fell 4.9%, the most since April, and 10-year bond yields jumped 41 basis points to 4.9%. The euro was little changed at $1.3063 after plunging 1% yesterday. Ten-year Treasury yields increased two basis points to 1.88% after declining for four straight days.
U.S. equities recovered after plunging yesterday as early projections released after European markets closed suggested Italy's election would lead to a hung parliament and another vote. Democratic Party leader Pier Luigi Bersani, having campaigned to maintain budget rigor, won control of the lower house and not the Senate. Federal Reserve Chairman Ben S. Bernanke defended the central bank's unprecedented asset purchases, while reports on house prices, new-home sales and consumer sentiment beat economists' estimates.
"The economic data suggests that there's further healing going on in the housing market," Tom Wirth, who helps manage $1.6 billion as senior investment officer for Chemung Canal Trust Co., in Elmira, New York, said in a telephone interview. "On a global basis, I don't understand what's going on in Italy. I think we'll get beyond that and move forward. If bond yields continue rise, that may weigh on the market though."
Market Leaders
PulteGroup Inc. and KB Home paced gains among homebuilders. Home Depot Inc. rallied as it raised its dividend and approved a $17 billion share buyback after profit beat analysts' estimates. Macy's Inc., the second-largest U.S. department-store chain, gained after forecasting earnings that beat projections.
Home prices in 20 U.S. cities rose in the 12 months to December by the most in more than six years, with the S&P/Case- Shiller index of property values increasing 6.8% from December 2011, the biggest year-to-year gain since July 2006. The median projection of 30 economists surveyed by Bloomberg called for a 6.6% advance. Nineteen of 20 cities showed gains.
Purchases of new homes in the U.S. jumped in January to the highest level since July 2008, showing the industry will keep adding to growth in the economy. Sales, tabulated when contracts are signed, surged 15.6% to a 437,000 annual pace, exceeding the highest forecast in a survey of economists.
Copyright 2014 Bloomberg. All rights reserved. This material may not be published, broadcast, rewritten, or redistributed.
Copyright 2014 Bloomberg. All rights reserved. This material may not be published, broadcast, rewritten, or redistributed.


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12 Hearty, Healthy & Colorful Salads to Brighten Your Winter Lunch
This is the part of winter where I begin to crave some sunshine — not to mention something fresh and vibrant to eat. Spring is just around the corner, and while the delicious foods of springtime are still a ways off, we can welcome the softening weather by enjoying the vegetables we've had with us all winter long. Here are a dozen recipes that speak to the craving for spring, and the wish for brighter, crunchier, lighter dishes.
There are fresh grain salads that are marvelous for lunchtime, a raw kale slaw with tangy peanut dressing, and a wintery mix of cauliflower, fennel and white beans. These salads are both light and nourishing, fresh and filling. Have a salad and look forward to spring!
• 1 Winter Wheat Berry Salad with Figs and Red Onion - My favorite grain salad — this is a mix of crunchy red onion, toothsome wheat berries, and sweet dried figs.
• 2 Couscous Salad with Butternut Squash and Cranberries - This salad is sweet and savory, hearty and filling.
• 3 Napa Cabbage and Tofu Salad - A fresh, crunchy mix of hearty ingredients.
• 4 Whole Wheat Couscous with Cherries and Arugula - Dried cherries and the sharp, pungent flavor of our favorite cold weather green, arugula, make this taste summery and fresh.
• 5 Wheat Berry Salad with Blood Oranges, Feta, and Red Onion Vinaigrette - The most savory citrus of winter — blood oranges — together with feta cheese and red onion make this a delicious winter lunch.
• 6 Colorful Lentil Salad with Walnuts and Herbs - The bell peppers in this salad are out of season; substitute sun-dried tomatoes and celery instead.
• 7 Cauliflower, Fennel, and White Bean Winter Salad - An unusual (and very filling) mix of cauliflower and white beans. Also very good when lightly sauteed.
• 8 Fennel and Radicchio Winter Salad with Pecans - A mix of bitter and vibrant winter vegetables.
• 9 Avocado and Grapefruit Salad - A taste of California!
• 10 Quick Celery Root Salad with Capers and Lemon - A vegetable many of us are unfamiliar with. This quick slaw is perky and tangy.
• 11 Kale Slaw with Peanut Dressing - Kale is hearty and ubiquitous year-round. I love this slaw and make it with all sorts of mix-ins — it's good just with the kale and the dressing alone, too.
• 12 Broccoli Salad with Carrots and Currants - A healthier take on the classic broccoli slaw.
What's your favorite winter salad?
(Images: See linked recipes for full image credits)


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Upholstery Cleaning
We all know that beautiful upholstery might give one's house, flat, apartment, etc. in Reading RG30 a better and unique look. Many people spend weeks searching for the best upholstery materials just to satisfy their esthetic need. However, upholstery is also hard to clean. You will need the services of an upholstery cleaning company for that. Luckily for you, Upholstery Cleaning in Reading RG30 is offering upholstery cleaning services on reasonable price. We have a lot of experience cleaning upholstery and have established ourselves as one of the best companies on the market!
Upholstery Cleaning in Reading RG30
Upholstery Cleaning employs are professional upholstery cleaners in Reading RG30.
They are extensively trained and do their work according to the highest industry standards. Upholstering materials vary a lot.
They can range from genuine leather and natural fibers to polyester and even vinyl.
The most important thing when it comes to quality upholstery cleaning services is to use the right cleaning methods and equipment for the client's furniture.
We clean
Three Piece Suite, etc.
Upholstery Cleaning Methods we use:
Hot water extraction (Upholstery Steam Cleaning),
Upholstery Shampoo Cleaning.
Sofa Cleaning professional cleaning can offer three different service packages:
Upholstery Deep Clean,
Upholstery Clean and Protect,
Upholstery Clean, Protect and Deodorise.
Upholstery Cleaning Prices in Reading RG30>>
Our Local Upholstery Cleaners in Reading RG30
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One-off, spring cleaning Reading


text:
The tea party is using the Internal Revenue Service scandal as a springboard to renew calls to limit or even abolish an agency it's always disliked.
Thousands of tea party supporters rallied Wednesday at the U.S. Capitol, cheering on proposals to take the enforcement of Obamacare out of the IRS, suspend the IRS's power to perform audits, and abolish the agency altogether along with the income tax it enforces in favor of what is called a Fair Tax.
"The very best solution is we need to abolish the IRS," said Sen. Ted Cruz, R-Texas.
The concept of the Fair Tax has been a favorite of the tea party since the movement's inception in 2009. It would throw out income, payroll, estate and gift taxes in favor of a national consumption tax on retail sales, which would resemble the state sales taxes now. Since retailers would collect the tax directly along with purchases, it theoretically would eliminate the need for the IRS.
Opponents of the tax have said it could have drastic effects on the economy, since the tax rate would be 20 to 30 percent. Consumers might feel a disincentive to buy products after seeing the increase in cost.
Another idea that spurred cheers Wednesday involved suspending the auditing power of the IRS for six months. The sponsor of the bill, Rep. John Fleming, R-La., said at the rally that that would give Congress time to question the IRS and hold accountable those who'd abused their power by targeting conservatives for special scrutiny.
"Congress must continue to hold hearings to get to the bottom of the IRS misconduct, but we must also disarm the agency by suspending its power to launch new audits," Fleming said in a statement. "The time has come to turn the IRS upside down, shake out all the corruption and wrongdoing, and transform how we do federal taxes."
Sen. Rand Paul, R-Ky., urged holding IRS agents accountable – and then some.
"Anyone want to fire some IRS agents?" Paul asked, to shouts of approval. "Why don't we start with the 1,600 IRS agents who are going to implement Obamacare?"
That was another repeated theme at the rally. The tea party itself rose up in part out of anger at the 2010 Affordable Care Act, now nicknamed Obamacare. Amid the calls to repeal the law altogether was the idea that an agency that was violating constitutional protections shouldn't be in charge of implementing a health care overhaul.
"We've seen the Obama administration willing to abuse the IRS to target citizens. We've seen them willing to cover up about Benghazi," Cruz said. "Do we trust the IRS with Obamacare and our health care?"
Rep. Mark Meadows, R-N.C., has introduced legislation in the House of Representatives that would require the inspector general of tax administration to audit the IRS. The bill also would delay full implementation of Obamacare until the audit was complete and a public report released.


text:
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text:
Earlier, we talked about new Dodgers pitcher Greg Maddux's pretty debut for Los Angeles, tossing a no-hitter for six innings and generally showing why it's always a pleasure to have a Greg Maddux on your team.
Of course, one musn't forget the team that Maddux left, the Chicago Cubs, which has dealt with decades of futility and now must deal without the calming, adult, mature nature of a Hall of Famer in their dugout every night. It's about class; it's about dignity.
But don't just take it from us; listen to former teammate Ryan Dempster:
"We've been sharing locker space for three years," [Dempster] said. "It's kind of weird not having him there to talk about golf or talk about pitching, farting on each other, whatever it is."
We'll confess: It has many years since we played organized sports — high school, of course, four-year backup catcher in baseball and freshman year backup strong safety in football; our presence on the team was the equivalent of having a third-string kicker who's a girl — but we very much remember farting on our teammates before games. Of course, they didn't have greenies back then, so we needed something.
By the way, that photo is of Dempster spraying Cardinals fans with a hose at Wrigley Field last week. Jerk.
Ex-Mates Feel Void Left By Maddux, The Clubhouse Sage [Chicago Sun-Times]


text:
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