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This should please Tom Brady's father: Some prominent area developers plan to build six hotels in downtown Buffalo over the next several years.
The burst of activity includes both the recently opened Hotel @ The Lafayette and the Lofts on Pearl and four other projects in development at the Tishman Building, the Curtiss Building, the Donovan State Office Building and the Webster block.
The new hotels would add more than 500 rooms to the local market, and business leaders say the developers' commitment of hundreds of millions of dollars to the projects is only the latest sign that people want to visit and stay over in downtown.
"If we become as excellent as we all have the potential of becoming, we're going to pull them in from Pittsburgh and Cleveland and Youngstown and Binghamton," said Earl Ketry, founder of Pearl Street Grill & Brewery, who developed the Lofts on Pearl hotel in the Webb Building. "I think what we need to do is get excited about Buffalo and not worry about whether there's too many hotels."
The recently opened or planned hotels are all part of mixed-use developments that include restaurants, retail stores, office space, banquet rooms and two ice rinks.
Five of the six involve the rehabilitation of a historically significant — or at least old — building, and most are receiving some form of taxpayer subsidy.
"It's more expensive than building new," said Mark E. Hamister, chairman and CEO of the Hamister Group, which plans to buy and renovate the Tishman Building on Lafayette Square. The project includes a Hilton Garden Inn and has received $1.57 million in sales and mortgage recording tax savings from the Erie County Industrial Development Agency.
The developers, city officials and people with long experience in the hospitality industry say downtown Buffalo should absorb the extra room inventory.
But some observers wonder whether the influx of rooms will take business away from older hotels downtown or the suburbs. And they say the city still will be left without the kind of hotel needed to bring in larger conventions and meetings.
Hotels downtown had an average occupancy rate of 67 percent for 2011, besting the 59.9 percent for hotels nationally, according to Visit Buffalo Niagara and STR. Downtown hotels charged an average daily rate of $104.12 last year, above the national $101.80, they reported.
"That shows a hotel industry that is vibrant in downtown Buffalo," said Gary D. Praetzel, dean of Niagara University's College of Hospitality and Tourism Management.
Before the Hotel @ The Lafayette opened this spring, downtown boasted 1,746 hotel rooms, said Visit Buffalo Niagara.
The six new projects include 576 rooms — a 33 percent increase in downtown's inventory — though the 200 rooms included for the Webster block project are an estimate.
Does downtown Buffalo need all of these hotel rooms?
"I believe part of it is survival of the fittest. You will see some natural attrition — there's no question about it," said Mark D. Croce, owner of Statler City and a slew of downtown taverns and restaurants. "The market isn't going to support all the different proposed hotels."
But the developers say banks wouldn't lend money for these projects if they weren't convinced of the demand. And the involvement of the nation's biggest hotel chains is a positive sign, said Brendan R. Mehaffy, executive director of the city's Office of Strategic Planning.
"It's not the local investors, it's the national brands, the national flags, that are saying there's demand," he said.
HVS, a hospitality consulting and research firm, determined through a market study for the Hamister Group that downtown Buffalo needs another 540 hotel rooms. "There is enormous demand for these hotels," Hamister said.
Lafayette was first
The first of the six to open was the Hotel @ The Lafayette.
Rocco Termini's $42 million renovation restored the hotel, adding loft apartments, the swanky Mike A's steak house, a florist, a home-furnishings shop, Butterwood Desserts and Ketry's Pan-American Grill & Brewery.
The 57 hotel rooms all have a different image from the 1901 Pan-American Exposition, sliding barn doors to the bathrooms and gray hardwood floors.
The weddings booked for the banquet rooms drive demand for the hotel, which has been at a 75 percent occupancy rate since its opening, Termini said. "People want to stay someplace cool," he said.
The $9.2 million renovation of Termini's Webb Building, located at 90-92 Pearl St., next to Pearl Street Grill & Brewery, initially included loft apartments.
But Termini's partner, Ketry, said the popularity of the building's banquet rooms prompted him to convert the apartments to hotel rooms, and the 32-room hotel opened last week.
Two-bedroom suites start at $200 a night, with gas fireplaces in every room, and guests will be able to get room service from Ketry's nearby Brawler's Back Alley Deli. The hotel lobby, which faces Pearl Street, has four "orange" seats from Memorial Auditorium.
Benderson Development's estimated $30 million conversion of the former Donovan State Office Building to One Canalside includes the future headquarters of the Phillips Lytle law firm, retail and restaurant space and a 96-room Courtyard by Marriott hotel.
The hotel portion of the building is expected to open in spring 2014, said Eric Recoon, a Benderson vice president.
"We're confident that having the pre-eminent hospitality franchise and an outstanding location will position us for success," Recoon said in an email.
Across Scott Street from One Canalside, a company affiliated with the Sabres, HARBORcenter Development, is planning a hotel as part of its development of the city-owned Webster block, formerly used as a parking lot for office workers and hockey fans.
The $123.2 million project would boast two ice rinks, for recreational and amateur skaters, a restaurant and shops on the first floor, a parking ramp and a hotel with approximately 200 rooms, said Sabres spokesman Michael Gilbert.
The hotel would be the last phase of the project to come on line, with an opening date of March 2015, Gilbert said.
On the north side of Lafayette Square, the Hamister Group is redeveloping the Tishman Building, best known as the former home of National Fuel, and plans to close on it next month.
The company plans to move its headquarters into the building while converting part of the structure to 18 apartments and another 14 floors to a 123-room Hilton Garden Inn. The hotel in the roughly $40 million project would open by summer 2014.
Croce said he's moving ahead with his plans to convert the Curtiss Building, at Franklin and West Huron streets, to a 68-room luxury hotel. He said he put the renovations on hold as he concentrated on the complex Statler City project.
Financing is almost in place for the $18 million renovation, with construction expected to begin in the spring. "It'll be top of the market," Croce said.
History of subsidies
Most of these projects are slated to receive public subsidies, and that's nothing new.
The News in 2008 calculated that hotels in downtown — including the Hyatt Regency Buffalo, Adam's Mark Buffalo and the Hampton Inn & Suites — had received $65 million in public subsidies since the early 1980s.
In addition to the tax breaks awarded to the Tishman rehabilitation, the ECIDA awarded $900,000 in sales tax breaks to the One Canalside project.
And the Hotel @ The Lafayette received federal and state historic preservation tax credits, with the Buffalo Urban Renewal Agency approving an $800,000 loan to help advance the project in May 2011.
"The whole city is trying to build limited-service hotels," said Paul L. Snyder, part owner of the Hyatt Regency and chairman of Snyder Development. "To make it worse, they're all getting public assistance of one kind or another."
Snyder said his Hyatt Regency and the Adam's Mark are the only full-service hotels downtown, which he defines as offering features such as first-class dining rooms, ballrooms, a gift shop and beauty salon.
Why are so many hotel projects coming on line now?
Croce said lending institutions for a time were wary about backing hospitality projects, but financing is loosening now.
Mehaffy, the city official, said it's a sign of the rising interest in downtown Buffalo, as reflected in the crowds who flocked to Canalside and to the weekly summer concerts in Larkinville, centered around the former Larkin Company warehouse on Seneca Street.
The new hotels also are tied into the growing downtown wedding and party business, and concerns about drinking and driving also are spurring attendees to plan ahead and rent a hotel room.
Travelers also want to stay somewhere new and fresh. A certain New England Patriots quarterback in February criticized Buffalo's hotel inventory as "not the nicest places in the world," saying his father had a hard time finding a decent room when the Pats traveled here.
Termini offered to put up Brady's father this fall at his Hotel @ The Lafayette but didn't get a response.
More competition
Some hoteliers say the older hotels in Buffalo and the suburbs will lose business to the newer establishments.
"The losers are going to be tired, not-well-kept, not-well-managed properties," said Dennis P. Murphy, founder and CEO of Innvest Lodging, which owns The Mansion hotel, and chairman of the boards of Visit Buffalo Niagara and the Buffalo Niagara Convention Center.
Michael Montante, a vice president with Uniland Development Co., said he isn't too worried about more competition for Uniland's Avant Building, home to an Embassy Suites. "I think a rising tide raises all ships," Montante said.
But the latest hotel projects still don't address the perceived need for a 600-plus-room convention hotel in Buffalo, a venue that would allow the region to pursue larger events and spur the construction of a new, bigger convention center. "The driving force behind a new convention center is having adequate and convenient parking and hotels," said developer Carl Paladino.
But other developers say the new hotels, and the competition they'll generate, is good for everyone. "It'll force them to step up. And that's what you want everybody to do. You want them to step up," Termini said.
email: firstname.lastname@example.com


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Here are some ads you might be interested in from Money in Spain
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Want to see more? Go to Money in Spain

subset: commoncrawl


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CyberTeachers Live by Berlitz is a web-based online platform that provides you with customized language instruction around the clock.
The e-Lessons are individually developed and adapted very specifically to your personal daily routine.
CyberTeachers Live provides:
- A wide range of training media like e-mail, videos, mobile phone applications, podcasts, and more
- 20 language tools, such as Speech Trainer, Speed Memorization, dictionary, translator, writing assistants, situation cards, etc.
- Monitoring tools that continuously analyze your performance and individually adapt the level of difficulty of each lesson
- Personalized teaching content
- Feedback reports after every lesson and opportunities to compare your learning progress with that of the other course participants
In addition, CyberTeachers Live provides you with unlimited access to a live tutor 5 days a week, 24 hours a day. At the click of a button, contact a Live Coach who will appear on your screen and answer your questions, or take part in a virtual conversation course in a Live Classroom.
|The new generation of digital language learning:
CyberTeachers 9 is available now!
Even more advantages for your digital language course!More information >>
Your benefits, in brief:
- Time-saving
- Flexible
- Cost-saving
- Fast learning pace
We will be happy to answer all your questions about CyberTeachers Live in a personal consultation. The language training is suitable for every level - whether you're at a beginner, intermediate or advanced level. By the way: With us, a free assessment test is a given.
Languages offered:


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Welcome to Sabino Canyon Apartment Homes
Sabino Canyon Apartments is nestled in Tucson's prestigious Foothills of the Santa Catalina and Rincon Mountains. Set amid an immaculate landscape, our community is just minutes from shopping, District 16 schools, hospitals and Tucson's Restaurant row. Sabino Canyon Apartments offers five enticing floor plans. Designed with amenities tailored to fit your everyday life, our community features are second to none. All of our apartment homes include fully equipped kitchens, generous closet space and full size washers and dryers. Sabino Canyon Apartment Homes is a desert oasis just outside the hustle and bustle of Tucson, blending privacy, serenity and the splendor of nature. Our location provides unparalleled access to year round hiking, picnicking, biking and horseback riding in a tranquil natural setting. Visit our photo gallery to discover why Sabino Canyon Apartments is the perfect place to call home.
a wonderful place to call home
Refer a FriendClick here!
Thank you for sharing our community website!


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Madonnari, or street painters, transform the Mission plaza using pastels on pavement to create 150 vibrant and colorful, large scale images. We are proud to be the first to bring this romantic festival to the western hemisphere from our sister festival in Grazie di Curtatone, Italy. The festival benefits the Children's Creative Project, a nonprofit arts education program of the Santa Barbara County Education Office. The Project serves 50,000 children in more than 100 schools with visual and performing arts workshops and performances throughout Santa Barbara and San Luis Obispo counties.
Festival hours are 10-6 daily. Admission is free.
The Santa Barbara Mission is located at the corner of Los Olivos and Laguna Streets.
From the 101 Freeway, take Mission Street exit and travel east to Laguna Street, turn left and continue two blocks to the Mission entrance. Additional parking is available on the Mission field.
You can sponsor a street painting square to advertise your business or to celebrate a friend or family member. Squares range from 4-by-6 feet to 12-by-12 feet and $150 to $700. Download the Sponsor form Here.
To sponsor a square, either choose your favorite street painter -- or painters -- of any age or experience level -- or let us provide one for you. The Festival will provide chalk in an assorment of colors.


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I'm starting to not like the pricing on digital games. I downloaded "The Witness" when it was new. I played and enjoyed it but I wish I could pass it along to someone else or even sell it online for an extra $10 for gas money. I'll probably not play it again unless I show it to someone who is curious about the game.
I really want to play I Am Setsua, but $40 for something that's only digital sucks. If I don't like it after a couple days, I can't loan/give/sell to anyone else. Then they will come out with a physical retail version or a heavy discount the game.
I got "Inside" for Xbox One. I am not a big fan and I spent $20 to download it, and I just went back to older games I bought. I guess vids ain't what they used to be.


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Another day, another look at an upcoming adidas Yeezy pair. Kanye had quite the busy 2016 between his Saint Pablo Tour, his Donald Trump co-sign and the subsequent fallout of both, but there was one thing that you could count on – more fire in the form of the adidas Yeezy Boost 350. Four colorways of the Yeezy Boost 350 V2 closed out the year for another strong Yeezy release slate, and today we get detailed shots of the adidas Yeezy Boost 350 Triple White courtesy of prolific Instagram user Sneakerpropet.
What we can tell from these detailed shots ranges from an updated heel tab, new Primeknit patterns, faint hints of the coveted side panel stripe despite the Triple White aesthetic, and more. We already know that this Yeezy Boost 350 Triple White has been previewed in both adult and kids size runs, but what we don't have locked down yet is a Release Date – although a March release is tentative. Check out more of the latest adidas Yeezy Boost 350 V2 colorway offering below and we'll keep you updated on release info right here on Sneaker News.
adidas Yeezy Boost 350 v2 "Triple White"
Color: Cream White/Core White
Style Code: CP9366
Release Date: Spring 2017
Source: Sneakerprophet_


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On May 18, 2012, the United States Court of Appeals for the Fifth Circuit held in Reed v. Florida Metropolitan University, Inc. that class actions are available in arbitration proceedings only if there is a contractual basis for finding that the parties agreed to class arbitration. Applying recent Supreme Court precedents, the court found that an arbitrator exceeded his authority by ruling that the parties had consented to class arbitration despite the absence of any direct reference to class proceedings in the arbitration agreement. Reed demonstrates that the Fifth Circuit is unlikely to be receptive to class arbitrations, and will not go out of its way to distinguish Supreme Court cases that have restricted the availability of class arbitrations.
In 2008, Jeffrey Reed enrolled as a student in Everest University Online, an affiliate of Florida Metropolitan University. Reed earned a bachelor's degree in paralegal studies with the goal of attending law school after graduation. Everest allegedly assured him prior to his enrollment that law schools and employers would recognize his degree. Reed then incurred approximately $51,000 in student loan debt before graduating. After obtaining his degree, Reed allegedly found that neither law schools nor a local police department would recognize his degree from Everest.
Reed alleged that Florida Metropolitan University violated the Texas Education Code by recruiting students without required certifications. He brought a putative class action in Texas state court, seeking $51,000 in damages. The school removed the case to federal court and sought to compel bilateral arbitration under an arbitration provision in the school's enrollment agreement. The arbitration provision provided that (1) "any dispute" arising from Reed's enrollment must be submitted to binding arbitration conducted under the rules of the American Arbitration Association, and (2) "any remedy" available from a court would also be available in the arbitration.
The district court granted the school's motion and referred the case to arbitration, but left it for the arbitrator to decide whether class proceedings were available. The arbitrator decided that the parties had implicitly agreed to class arbitration and entered an award. The district court confirmed the arbitrator's award, and the school appealed to the Fifth Circuit.
The Fifth Circuit's Opinion
First, the Fifth Circuit held that the district court appropriately allowed the arbitrator to determine whether class arbitration proceedings were permissible under the parties' arbitration agreement. The school had argued that the district judge should have resolved the issue. After finding that there was no controlling Supreme Court precedent, the court looked to the American Arbitration Association's rules to resolve the issue. The parties had consented to the American Arbitration Association's Commercial Rules, and the Fifth Circuit held that such consent implicitly encompassed the Supplementary Rules for Class Arbitration as well. The Supplementary Rules provide that arbitrators are empowered to determine whether arbitration agreements authorize class proceedings.
Second, and more importantly, the Fifth Circuit reversed the district court's refusal to vacate the arbitrator's award and held that the arbitrator "exceeded his powers" and "forced the parties into class arbitration without a contractual basis for doing so." The court began by emphasizing that an arbitrator's decision permitting class arbitration could be overturned only if the decision could not fairly be deemed to be derived from the terms of the arbitration agreement. Even under this highly deferential standard of review, the court found the arbitrator's decision permitting class arbitration deficient.
The Supreme Court's recent decisions in Stolt-Nielsen S.A. v. AnimalFeeds International Corp. (2010) and AT&T Mobility v. Concepcion (2011) figure prominently in the Fifth Circuit's analysis. In Stolt-Nielsen, the Court held that an arbitration agreement that was silent on the issue of class proceedings could not be construed as permitting class arbitration. Both the Stolt-Nielsen and Concepcion Courts emphasized that a fundamental tenet of arbitration is the consent of the parties, and significant differences between bilateral and class arbitration caution against finding that parties consented to class arbitration in the absence of a contractual basis for doing so.
Applying Stolt-Nielsen, the Fifth Circuit rejected each of the arbitrator's three grounds for ruling that the arbitration agreement contained a contractual basis for inferring that the parties consented to class arbitration:
Implications of the Decision
The court's decision shows that the Fifth Circuit will not lightly permit class arbitration proceedings in the absence of an explicit contractual agreement. While the defendant ultimately obtained a favorable ruling that precluded class arbitration proceedings, the ruling came after considerable time and expense. Companies should consider including explicit class action waiver clauses in their standard arbitration agreements to increase the likelihood of avoiding the kind of litigation at issue in this case. Such waiver provisions will almost always be found enforceable under Concepcion, unless they contain other terms that foreclose individual adjudication.
Including a class action waiver clause in an arbitration agreement is particularly important for companies operating outside of the Fifth Circuit. While the Fifth Circuit applied Stolt-Nielsen and Concepcion in finding that the parties had not consented to class arbitration, the court noted that it disagreed with other circuits that have reached a different conclusion in factually similar cases.
If you would like more information on the Reed decision or on the firm's Class Action and Appellate practices, please contact one of the attorneys below.
Thad firstname.lastname@example.com
Mark firstname.lastname@example.com
Nicholas firstname.lastname@example.com
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David firstname.lastname@example.com
Sending an email will not establish an attorney-client relationship. You should not send us any information that you want treated confidentially. By clicking Accept you acknowledge that we may review and use any information you transmit to us.


text: Dani Daniels is a gorgeous adult film star that has become a big star over her 2 year career. She's a true California girl, born and raised. Her birthday is September 23, 1989. Ms. Daniels appeared in nearly 20 lesbian episodes of We Live Together on RK, before she began to also do hardcore male-female episodes on Reality Kings sites like Monster Curves and Hot Bush. She has really nice, long brown hair and stunning blue eyes. At 5 feet and 7 inches in height, and 121 lbs in weight, Dani is a curvaceous goddess with measurements of 34D-24-36. In 2012, she was Penthouse Pet of the Month; and in 2013, Malena Morgan won AVN Award for Best Girl/Girl Sex Scene.


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Important: Try to keep your OpenIV updated, some older versions have issues with the packages.
*Keep in mind that ScripthookVDotNet still needed for my mods, and it need to be installed/updated manually.
1 - Start OpenIV and click in GTA V windows, case it asks for game location set it.
2 - Click in Tools > ASI Manager, make sure that OpenIV.asi and ASI Loader are installed:
3 - Click in Tools > Package Installer:
4 - Select the .OIV file and click in Open:
5 - A window similar to this one should appear, click in Install:
6 - Now OpenIV will ask if you want install in mods folder or in original game files, i recommend to choose mods folder option to make easier disable the mods when going to play online:
7 - If everything goes well you should see the "Installing" screen and after some time the "Installation Succeed" screen, the installation time may be longer depending on what RPF files OpenIV will need to handle :)
Issues with ScripthookVDotNet or Ctrl+N menu? Check this post


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The earliest stages of colorectal cancer have no symptoms. Colorectal tumors can grow slowly over the course of several years, which may only cause subtle symptoms at later stages. If you experience any symptoms, do not assume it is due to cancer. Many symptoms can be caused by other, less serious conditions. However, it is still important to discuss them with your doctor. Early detection and treatment improve outcomes for both cancer and other health conditions.
Common Symptoms
Symptoms will vary depending on the location of the tumor or how long it has been growing. The 2 most common symptoms of colorectal cancer are:
These may include:
- Alternating between diarrhea and constipation
- Increased frequency of bowel movements
- A feeling of incomplete bowel movements—tenesmus
- Stool that is is narrower than normal (like a pencil) or that is differently shaped than normal
- Increase in intestinal discomfort, including cramping pain, gas, and/or bloating
- Intestinal discomfort that is not relieved by bowel movements
Keep in mind that bowel habits and function are different for everyone. The changes you notice may be unique to you, but these are general changes to be aware of. If you detect changes that last at least 6 weeks, contact your doctor.
Tumors can cause bleeding, but sometimes it cannot be seen, especially if the tumor is in the first sections of the colon. If blood in the stool cannot be seen, it is called occult blood. There are specific tests that can detect occult blood in the stool.
Blood that is visible may appear as:
- Red blood from the rectum during a bowel movement without other anal symptoms, such as itching, pain, or lumps
- Stool is streaked with red blood
- Stool is dark, tarry, or black
It should be noted that any rectal bleeding, with or without a bowel movement, should prompt a call to your doctor. Rectal bleeding can be caused by noncancerous conditions, such as hemorrhoids, which may require medical treatment.
Advanced Symptoms
Later stages of cancer may cause:
- Abdominal pain or a sensation of a mass
- Obstructive rectal problems
- Decreased appetite and unintended weight loss
- Intense fatigue, abnormally low energy—anemia and iron deficiency are caused by intestinal bleeding, which reduces the red blood cell count
- Abdominal or back pain caused by pressure on nearby nerves
- Swelling in the legs, which may be caused by an obstruction in the veins or lymphatic system
- Bone pain
Revision Information
- Reviewer: Mohei Abouzied, MD
- Review Date: 12/2016 -
- Update Date: 12/02/2015 -


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Help us to make this the most complete winners of the best of the Web. Just fill out the info below and we'll be in touch. Thanks!
Mobile sites or Apps developed specifically for handheld devices that provide reviews of products or services for either consumer or business audiences. These include restaurant reviews, travel reviews, business product or service reviews, buying guides, best-of resources, product and price comparison sites or Apps.


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These 10 segment bar graph LEDs have many uses. With a compact footprint, simple hookup, they are easy for prototyping or finished products. Essentially, they are 10 individual yellow LEDs housed together, each with an individual anode and cathode connection.
We also carry these in red, blue, and green.
If you are interested in Internet of Things (IoT) or M2M projects check our open source sensor platform Waspmote which counts with more than 100 sensors available to use 'off the shelf', a complete API with hundreds of ready to use codes and a low consumption mode of just 0.7µA to ensure years of battery life.
Know more at:
Get the Starter Kits at:


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Wall Street was in for some choppy trading sessions this week, as investors digested the latest developments in Europe and a mixed bag of economic reports. Though Cyprus managed to reach a last-minute deal, investors still remain cautious. Reflecting this sentiment, the European Commission's economic-sentiment indicator fell in March for the first time since October. On the home front, U.S. durable goods orders and the Standard & Poor's and Case-Shiller home-price index topped expectations, while the Conference Board's U.S. Consumer Confidence metric took a significant tumble [see 101 ETF Lessons Every Financial Advisor Should Learn].
Below we outline seven insightful articles circulating around the financial space this week:
- Avoiding Trading Paralysis by Analysis at Futures Magazine
For active traders, reward-to-risk ratios and winning percentages are considered key metrics in evaluating a trader's performance. In this article, however, Kevin J. Davey argues that these metrics are not as useful as many think.
- Tangible Benefits Are Conspicuously Absent at Alhambra Investment Partners
With central banks across the globe implementing unprecedented stimulus measures, many have come to speculate how exactly these policies will affect the economy. In this article, Jeffrey P. Snider addresses this issue, taking a closer look European policy measures.
- Buffett's Career in Less Than 1000 Words at The Aleph Blog
In this "short" and insightful article, David Merkel outlines the life and work of the legendary investor Warren Buffett, highlighting how the guru's investing has changed over the years.
- Hyperinflation? No. Inflation? Yes. at Financial Sense
Inflation has always been a hot topic among economists and investors alike, as this phenomenon can have a significant impact on bottom line returns. In this article, Steve Hanke discusses how inflation may soon become a bigger issue in the U.S..
- Love the Bank, Hate the Banker at Project Syndicate
Since the financial crisis of 2008, the public has become understandably leery of the banking world. In this piece, Raghuram Rajan shares his views on the subject, discussing both sides of the bank regulatory arguments.
- How To Trade Around Earnings Reports With Maximum Profits And Low Risk at Morpheus Trading Group
Every quarter, investors await the much anticipated earnings season and hope to position themselves favorably for the results. In this video, Deron Wagner walks views through his "Earnings Trading Technique,"
- Extreme Correlation Between Equity Returns and Implied Volatility at The Options Insider
In general, equity returns and implied volatility tend to exhibit negative correlations towards each other. In this article, however, Condor Options takes a closer look at this relationship, highlighting what happens when stock returns and implied volatility become too negatively correlated.
Follow me on Twitter @DPylypczak.
[For more ETF analysis, make sure to sign up for our free ETF newsletter or try a free seven-day trial to ETFdb Pro.]
Disclosure: No positions at time of writing.
Click here to read the original article on ETFdb.com.
Read more posts on ETF Database »


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All these years, I've been pronouncing "Dodge" with a hard D sound. But thanks to Ron Burgundy, America's greatest newsman, I now know it's pronounced with a soft D, like the soft J in jogging, or as Ron calls it, yog-ging. Thanks Ron!
If you enjoyed the litany of Anchorman 2-themed Dodge ads released last month — and you should have because they were surprisingly amazing — then get excited because a few more dropped this week.
This one's about the 2014 lineup. Buy them all in cash and put them in grandma's name! Dodge?
Here, Ron shoots his mouth off to a horse and then realizes he may have gone too far. Or did he?
And finally, Ron discusses how the new Durango gets 25 em-peg-guhs on the highway. He doesn't know what those are, but then again, he's from the 70s. He gets a pass.
Keep 'em coming, Dodge! Since Will Ferrell apparently shot 70 of these, we should have enough Ron Burgundy ads to last us well into next spring. These might even end up being funnier than Anchorman 2 itself.


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Macna Women's Motorcycle Jackets
Macna motorcycle jackets feature ample ventilation and a multiple-layered liner system that is 100% waterproof, providing comfort in all conditions. Macna motorcycle jackets use an innovative and user-friendly "Easy Cuff" external zipper system to connect the liners to the outer shell. This system leaves the sleeve openings free of snaps and zipper pulls that can chafe the wrist and snag when putting on the jacket. Macna motorcycle jackets also have a ton of convenience features, such as a hanger loop, snap-lock zipper pulls, plenty of well-placed pockets, and pocket "Grip strips" so you can easily locate and open your pockets even with gloves on. Macna motorcycle jackets also provide excellent protection through the use of durable materials and built-in CE armor. Macna motorcycle jackets also offer plenty of reflective material and the option of using a high-viz "Vision Vest" that integrates with any of the Macna motorcycle jackets. Macna jackets are available in both men's and women's styles.


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Preparation time: 30 mins
Cooking time: 30 mins
Difficulty: Easy - for beginners
Serves: 6 servings
Grilling plank
•1-1/2 teaspoons minced garlic, divided
•3 tablespoons olive oil, divided
•1 package (10 ounces) frozen chopped spinach, thawed and squeezed dry
•1 egg
•1/3 cup minced fresh basil
•1/2 teaspoon salt, divided
•1/4 teaspoon pepper, divided
•2 pork tenderloins (1 pound each)
•2 teaspoons fennel seed, crushed
•Soak grilling plank according to package directions. In a small skillet, saute 1/2 teaspoon minced garlic in 1 tablespoon oil until tender. Transfer to a large bowl. Stir in the spinach, egg, basil, 1/4 teaspoon salt and 1/8 teaspoon pepper; set aside.
• Make a lengthwise slit down the center of each tenderloin to within 1/2 in. of bottom. Open tenderloins so they lay flat; sprinkle with remaining salt and pepper. Spread stuffing down the center of each tenderloin. Close each tenderloin; tie at 1-1/2-in. intervals with kitchen string.
• In a small bowl, combine fennel and remaining garlic and oil. Reserve 1 tablespoon for basting. Brush remaining mixture over tenderloins.
• Place plank on grill over direct medium heat. Cover and heat until plank creates a light to medium smoke and begins to crackle, about 3 minutes.(This indicates the plank is ready.) Place tenderloins on top of the plank. Grill, covered, over medium heat for 28-30 minutes or until a meat thermometer inserted in stuffing reads 160°, brushing occasionally with reserved fennel mixture. Remove from the plank and let stand for 5 minutes before slicing. Yield: 6 servings.


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Hi ppl! hows things? wife fine and all?
Her´s the thing iv been trying to solve..not done yet so here iam.
I have good experience with html, but not with CSS..and to create something really tiddy and clean CSS is the best choise (also allows a more fast way to change the site layout..easy to find code etc), my problem is this:
Im creating a website that basicly uses standard tables etc..i just use Div tags with css for some text here and there..nothing fancy, cause i dont know "jack" about it, but i really..i mean REALLY whanted to create it all via CSS..the layout, so the code appears clean and tiddy at the looks of google for ex
Here is an example of what i whanted..

This is how it starts after the body tag..now, how can i do that via CSS for ex? and basicly do the same fo the rest of all tables..
Thanx ppl!
Cheers to u all!


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|Hunter of the Year 2010
|Written by Stefano
|Monday, 24 January 2011 15:52
Lash Le Roux Safaris, for the very first time has a hunter of the year as a woman. We are proud to announce that Ruthie Baker is the hunter of the year for 2010.
She took no less than 4 out of 6 gold medal animals and can report of the best marksmanship and dedication to the hunting sport. Hunting all her animals the walk and stalk way and taking the nr 1 Gemsbuck for Gamagara Game for the last 3 years measuring in at 41,75".


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Southeast Asian nations displayed a rare show of unity on Sunday against China's sweeping maritime claims, calling for the first formal talks with Beijing over a sea dispute that has raised tensions and exposed deep divisions in the region.
As Chinese Premier Wen Jiabao arrived in Cambodia for meetings with Southeast Asian leaders, the 10-member Association of Southeast Asian Nations (ASEAN) appeared determined to avoid a repeat of an embarrassing breakdown of talks in July over competing claims in the mineral-rich South China Sea, its biggest security challenge.
Cambodia's Prime Minister Hun Sen will tell Wen that ASEAN wants to begin talks on a binding Code of Conduct, aimed at reducing the chance of naval flashpoints, as soon as possible, ASEAN Secretary General Surin Pitsuwan told reporters.
"Prime Minister Hun Sen himself will be discussing with the PM of China tonight and delivering this consensus on the ASEAN side," Surin said.
"They would like to see the commencement of the discussion as soon as possible because this is an issue of interest, concern and worry of the international community."
China's assertive claims in the South China Sea have sown deep divisions within the bloc at a time when military spending in the region is surging and the United States refocuses attention on Asia – a "pivot" that President Barack Obama will reinforce on his visit to the summit on Monday in Cambodia's capital, Phnom Penh.
Chinese ally Cambodia has used its powers as ASEAN chair this year to restrict discussion of the issue, in line with Beijing's view that the disputes should be discussed on a bilateral basis. China has said it is willing to discuss the Code of Conduct when the "time is right."
Asked about the ASEAN request for formal talks, Chinese foreign ministry spokesman Qin Gang said consultations with ASEAN nations were ongoing and that the issue should not be a "stumbling block" for relations between China and the region.
Wen is due to hold formal talks with ASEAN leaders on Monday.
Diplomats said the Philippines, a close US ally, had invited fellow Southeast Asian claimant states Vietnam, Brunei, and Malaysia to separate talks in Manila to be held later this year or early next year.
"We are trying to make that happen, hopefully in Manila," Philippine Foreign Secretary Albert del Rosario told reporters.
The other members of ASEAN include Cambodia, Laos, Myanmar, Thailand, Singapore and Indonesia, none of which have claims on the South China Sea.
One Philippine diplomat said the meeting was aimed at resolving issues among the claimant states, such as overlapping economic zones. He voiced frustration with China for delaying the start of talks with ASEAN over the Code of Conduct.
"ASEAN has done its part," the diplomat said. "Now it is up to China to also come up with its own because when we formally sit down we will present our position to them. In fact we have already written it."
GLACIAL PROGRESS: Despite saying it is ready for talks with China, ASEAN is still debating its own version of a maritime code – a process that could be further complicated by the talks in Manila.
China's Wen arrived in Phnom Penh on Sunday for talks with ASEAN leaders ahead of the broader East Asia summit that includes the United States and Japan among other Asian nations.
Ahead of the summit, China warned that the South China Sea issue should not overshadow the talks. But US officials said that Obama will reinforce a "very strong interest" in progress on a dispute-management mechanism, a likely irritant to China which has said that Washington should stay out of the row.
The facade of ASEAN unity on the issue collapsed dramatically in July when the group failed to agree on a joint communique for the first time in its 45-year history. Tempers frayed as Cambodia blocked a Philippine request to include a mention of a stand-off between Chinese and Philippine ships at a disputed shoal off the Filipino coast.
Philippine President Benigno Aquino refrained from mentioning the shoal incident in remarks to other leaders on Sunday. Regional giant Indonesia took the lead in repairing the damage by circulating a six-point ASEAN consensus on the dispute that reaffirmed a commitment to complete the Code of Conduct.
Indonesia said on Friday it had proposed a kind of regional hotline with China that would enable leaders to "pick up the phone and chat" in the event of a naval incident. Security analysts say the chances of a misstep leading to conflict are rising as military spending in the fast-growing region surges and nationalist sentiment over the dispute increases in several claimant states. Proven and undiscovered oil reserve estimates in the South China Sea range as high as 213 billion barrels of oil, the US Energy Information Administration said in a 2008 report. That would surpass every country's proven oil reserves except Saudi Arabia and Venezuela, according to the BP Statistical Review.
Southeast Asia calls for talks with China on sea dispute
Southeast Asian nations displayed a rare show of unity on Sunday against China's sweeping maritime claims, calling for the first formal talks with Beijing over a sea dispute that has raised tensions and exposed deep divisions in the region.


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I've enjoyed writing this blog for several years. However, my professional life ill affords me the time to devote to this blog everything I want to devote to it.
So I've decided to officially cease blog writing on Axels, Loops, and Spins. I'm a little teary eyed writing that.
This blog has really been a part of me for so long...it got me to the Olympics. It allowed me to express my opinion on skating. From time to time it has gotten me in trouble with certain fan bases. It has been my way into the figure skating world.
For those that have been loyal followers...thank you. You made it worthwhile.
I'm not dissapearing completely. While I wont be blogging any longer I will continue to tweet, especially during competitions. My passion for the sport hasn't dwindled at all. The site will stay up for as long as Blogger will host it.
So before this becomes an emotionally filled hot mess let me simply say:
"Don't be dismayed by goodbyes. A farewell is necessary before you can meet again. And meeting again, after moments or lifetimes, is certain for those who are friends." ~ Richard Bach
I leave you with my favorite skating performance of all time. Everytime you see it...think of Axels, Loops, and Spins.


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10 Ways to Make Passive Income Online Hey everybody, thanks for visiting us here at importantdollar.com, we're here to help you spark some awesome ideas today. So today we're gonna talk about 10 different ways to make passive income online. And I'm really excited about this, because this is probably …Read More »
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Davis Ranch has been raising top quality ranch and performance horses for six generations in northern Utah. Titus Davis immigrated to northern Utah in 1863 and started ranching with the finest horses of his day. His son, Thomas Ap Davis, ranched on the Promontory range and followed his father's tradition by adding to the Davis Ranch remuda any improved stock he could acquire
in those early days. Thomas Ap's son Tom L. Davis, along with his son, Lloyd N. Davis, continued to ranch on the Promontory range until 1941 when Lloyd bought the present day family ranch located just seven miles northwest of Brigham City on Interstate-15. Lloyd used some of the first and finest remount stallions that the government brought into northern Utah. In later years he and his son, Tom A. Davis kept upgrading the ranch stock by breeding to the best of the "New Registered Quarter Horse" stallions that came into the area.
Currently the ranch remains a family owned and operated business that is managed by Tom A. Davis and his sons T. Zane and Clint. They have continued to add and improve the quality of their horses. Their broodmare band now consists of daughters of Smart Little Lena, High Brow Cat, Smart Chic Olena, Gallo Del Cielo, Playgun, Sweet Lil Pepto, Boon Bar, Playin Stylish, Hickorys Indian Pep, Wimpys Little Step, Lil Ruf Peppy, Quanah O Lena, Mister Dual Pep, Peppy San Badger, Dual Rey, Dun It With A Twist, Cats Merada, Blue Spark Olena, Freckles Merada, Colonel Doc Bar Chex, Smart Little Scoot, Docs Hickory, Chic Please, Reminic N Dunit, Lean With Me, Genuine Jeep, Quixote Mac, Starlights Joy, Master Merada, Smartest Little Pep, Blue Duck Okie, Nitro Dual Doc, Boonlight Dancer, Bueno Starlight, and many others.
Each year these mares are bred to Davis Ranch stallions or other popular performance horse sires with cooled/shipped semen. The ranch currently has an embryo transfer program that results in multiple foals from their very best mares. Their foals have been sold to new owners in most states in the United States as well as five different countries around the world.
Clint manages his own training business at the ranch in which he starts young colts raised on the ranch or horses brought to him by customers. He also purchases 3-5 colts at the Fort Worth, Texas, prospect cutting horse sales and sells them as started prospects when they have 6-12 months training. In 2012 two of the NRCHA Open Futurity Finalists were High Roller Rey ridden by Brandon Buttars and Smart N Smokin Rey ridden by Zane P. Davis were started by Clint. Clint charges $600 per month.
When Clint is not riding horses he is helping in the breeding barn where Davis Ranch currently stands sons of Smart Little Lena, High Brow Cat, Dual Rey, Grays Starlight, Shining Spark, Peptoboonsmal, and Boonlight Dancer. In each of the last 5 years Davis Ranch has bred over 200 mares at the ranch or by cooled/shipped semen. In 2013 Davis Ranch will offer the following 9 stallions to the public for their breeding consideration.
Autumnator is a 2006 Blue Roan son of Smart Little Lena and out of the champion producing mare, Autumn Boon, who is a daughter of Dual Pep and out of Royal Blue Boon the leading brood mare in NCHA.
High Roller Rey a 2009 red roan son of Dual Rey that is out of a daughter of Peptoboonsmal. High Roller Rey was an Open Finalist at the 2012 NRCHA Futurity with Brandon Buttars. He has earned over $15,000 in his first two shows as a three year old.
High Flyin Cat a 2008 Black son of High Brow Cat (The All-Time Leading Sire of Cutting Horses) and out of Little Chexy Lena, a NCHA winner of over $40,000 and a multiple producer by Smart Little Lena.
Black Cat Olena Black Cat Olena was a big time prospect but sustained an injury and lost his eye early in his 3-year old year. He is sired by the NCHA All-Time Leading Sire High Brow Cat. He is out of a black daughter of Smart Little Lena that earned over $40,000 in the cutting pen and was an NCHA Non-Pro Futurity Finalist.
Starlight Midnight is a 2002 Black stallion is a NRHA money-earner and he qualified for the 2007 AQHA World Show in Jr. Heeling. He has earned over 60 AQHA points and has earned his AQHA Register of Merit. Starlight Midnight is by the legendary sire Grays Starlight. Offspring of Grays Starlight have won over 10 million dollars. His offspring have made him one of the Leading Sires in the NRHA, NRCHA and NCHA. In 2007 Grays Starlight was the Leading Sire of Broodmares sold in both NRHA and NRCHA sales and the second leading sire of broodmares sold in NCHA sales.
Blue Spark Olena is a 2000 Blue Roan son of of NRHA, NRCHA, and AQHA Leading Sire Shining Spark. He is out of the NRHA money-earning mare Smart Sugalena by Smart Little Lena. Blue Spark Olena was the 2005 URCHA Open Hackamore Reserve Champion and a MRCHA Open Futurity Finalist.
Boonlight All Stars is a 2006 Blue Roan by NRCHA Open Snaffle Bit Futurity Champion Boonlight Dancer by Peptoboonsmal. He is out of a multiple-producing daughter of Grays Starlight.
Smokn Black Starlight is a 2004 Black Overo by the most popular APHA sire in the performance horse industry Like A Diamond by Grays Starlight. He is out of a producing Smokin Jose mare.
Diamond Sen Te is a 2005 Sorrel Tovero by the most popular APHA sire in the performance horse industry Like A Diamond by Grays Starlight. He is out of a NCHA earning and producing San Peppy mare.
We invite you to call and/or come to the ranch to inspect our stallions, mares,or sale horses. We usually have foals, yearlings, mares, and broke horses for sale at all times. Please enter in and take a look around our website or call and come by the ranch if we can be of assistance.
Tom A. Davis & Family


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It was a last minute decision to spend a couple of days in NYC. We took an early morning bus out of New Bedford for the 5 hr. ride to Manhattan. I'll be returning at the end of April for the Five Boroughs Ride and did some scouting for things to do then while also enjoying the city now. On this trip we stayed in the Upper East Side near Central Park and spent the evening in that section. During the day however we toured the Lower East Side.
Naturally we took a walk through Times Square and other parts of Mid Town. It's crowded, touristy, and hectic. It's also one of those things you got to do when in Manhattan. Last year we took a walk over the Brooklyn Bridge. This year we walked the Williamsburg Bridge. It connects the Lower East Side of Manhattan with the Williamsburg district of Brooklyn. The Lower East Side is a really neat place to spend some time. One of the highlights is the Tenement District National Park and we toured three different 97 Orchard St. apartments. Each told a story of a different era. 1865, 1901 and 1938.
In between tours we had time for lunch and walked to the famous Katz Deli. Here is the history. Once inside we saw the size of the portions and decided it wasn't for us. (Much too big). We saw a Himalayan joint across the street and decide to eat there. It was a good choice.
NYC is a "fit" city. Walking is a major part of getting around. Even getting to the subway requires lots of walking and stair climbing. The other thing we notices is the lack of personal cars. There were lots of taxis and buses and limos but not much else. Another thing is that most restaurants show the calorie count for the meals. A couple of times seeing the amount of calories in my preferred choice, persuaded me to change. One pasta dish I was taking a liking to offered 1700 calories.
This guy was outside our hotel on Tuesday Morning.
Times Square
Williamsburg Bridge
Bikes on the upper level, trains in the middle and autos on the sides
Empire State Bldg in the distance
Upper lever is for bikes and walkers
Katz Deli. There was just too much meat on the sandwiches.
The perfect lunch spot in the Lower East Side
The Tenement District. This was the next step up from Five Points (Gangs of New York area)
97 Orchard St. If you go to NYC take this one hour tour.


text: JANUARY 2008 – Stroke is the third leading cause of death behind heart disease and cancer. Stroke is the number one cause of permanent disability in the U.S., causing Americans to pay more than $57 billion in stroke-related medical and disability costs each year. A study published in Stroke: Journal of the American Heart Association reported that nearly two million brain cells die each minute a stroke goes untreated. But there is encouraging research ongoing using high-intensity infrared energy from a device applied to the patient's head. The energy is thought to keep brain tissue alive while it's cut off from blood, oxygen and nutrients caused by a blockage from the stroke. NeuroThera, made by a San Diego company called PhotoThera, is a technology under development for the treatment of ischemic stroke. It is not approved for sale or distribution in the United States or internationally. The device is being tested by the CAMC Health Education and Research Institute Clinical Trials Center. CAMC is one of about 50 sites around the world to participate in the study. Researchers will enroll 660 volunteer participants (with about 13 from CAMC). "NeuroThera can be used to treat patients up to 24 hours after the onset of stroke symptoms," said Kuruvilla John, MD a neurologist with privileges at Charleston Area Medical Center. "If it is proven to work, this will be a major breakthrough because, currently, the most common method of treating acute ischemic stroke is to give clot-busting medications in the first few hours after the stroke occurs. NeuroThera gives physicians more time to save more brain cells." Approved drug therapy, such as tPA, must be administered within just three hours after symptoms present. Most people who suffer from a stroke don't get to the hospital that quickly. At best, about five percent of stroke patients are treated. Here's how NeuroThera works. The patient's head is shaved. A cap, with holes in it, is then placed on the head. The physician uses the hand-held device to shoot bursts of infrared laser light in each location on the scalp for two minutes. A complete treatment takes about an hour. This is a randomized, double-blind trial with half of the patients receiving a placebo, in which the device isn't active. This is a phase III trial (referred to as NEST-2). An earlier study of 120 stroke patients found that 70 percent of patients treated with the NeuroThera device within 24 hours of their stroke improved, compared with 51 percent of patients who received placebo treatments with the inactive device.


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I started buying gifts throughout the year at sales and even garage sales. I've already got the majority of my Christmas shopping for 2013 finished. The items are hid away in the closet, picked up at sales as I see them throughout the year. So, I just need to wrap them.
I was very happy with the money I received for my old phones and I was shocked! If you are in need of extra cash fast and have some old cellphones lying around, put them up for sale.
Here's how to keep your stuff safe while traveling:
We call it "junking" and you can make as much or as little as you want. All you need to get started junking is a good eye for items that can be repurposed or brought back to their former life and then sold for a profit.
The term International Schools is a catch-all for schools abroad that teach a curriculum different to what is offered locally (and in a different language, such as English), often to children of expats or employees of foreign embassies. Sometimes they're called American Schools, British Schools, or even DoD (Department of Defense) schools.
There's at least one piece of junk mail in my mailbox every day. There are repeat offenders such as credit card offers, which I get extreme pleasure out of putting them immediately through the shredder, the realtor that we used to buy our home, and even ads from grocery stores.
As with any medicine, these homemade remedies may not taste good but they will give excellent relief for colds, coughs, sore throat and congestion.
I dropped to my knees and rested my head on her stomach. I put her hand in mine and looked into her wet brown eyes. I told her that I understood why she would think that given the financial lessons I have been trying to teach her. It was not OK to miss dance class because she'd rather stay home and play a computer game, or hang out with her friends. That would be wasting money.
With mortgage life insurance, if you (the mortgage payor) die, your mortgage is paid off in full. For this privilege, you pay a monthly premium along with your mortgage payment. If you decline mortgage life insurance when applying for your mortgage, you often need to sign waiver forms declining it, which might make you think twice about your decision. This is to protect the bank, since they want to do everything they can to ensure the money they lend you is going be paid back.
She was right; I had not collected their payment since the end of the school year in the spring. My wife and I been in the habit of looking at and reconciling our checking account each morning.
The year I did that I felt so guilty and I missed out on so much fun talking with the tricksters. I didn't put out my famous "glowing and making creepy sounds" pumpkin so I couldn't chuckle when the littler kids (and some of the big ones too) screamed and hugged their mom or dad's leg for protection. That Halloween was nothing but a bummer!
It was an activity that was supposed to save us time, but it almost ended up costing us money. With cooler weather and colorful trees it's quite evident that its fall, which means it's also time to get our yearly influenza vaccine.
Over the course of a week, I sent a total of two emails and made four phone calls. None of which extracted a response from the company.
I have read many articles where financial advisors are saying that to live out your retirement years and not run out of money you need to sock away a couple of million dollars prior to retirement. WOW! I don't think I made a couple of million dollars in my entire working life.
I was honestly surprised at what I was hearing. My memory of 7th grade was a time when who you hung out with and what you wore became extremely important to your social status. Having a plain organizer is the sort of thing that a bully could easily latch on to. But here was my daughter more concerned with being able to properly organize her school work than impressing her class mates.
Here are six unexciting but necessary living expenses, with some techniques to minimize them.
Occasionally, my wife would come visit me next to my grill, look at my broken down charcoal starter and tell me I should get a new one. I would just shake my head, refusing to shell out $15 for a new one. I didn't care how ugly my chimney was, or how nonfunctional it appeared.
I shared the questions with my husband and he stopped cold in this tracks. What were we thinking? We were very nearly on the verge of blowing our budget big time with absolutely no regrets - just thoughts of fun, fun, fun! We decided to sleep on this and see how we felt tomorrow.
Here are three ways I use my smart phone to keep me on budget, and get the most for my money.
My daughter had used the time to search the internet and had managed to match our cat's symptoms to a serious feline disease. When my wife and I got home, our daughter was very upset which resulted in my wife also becoming quite upset about the state of our cat. A few phone calls later, we were off to the vet.
We were planning to throw some Mahi Mahi and asparagus on grill, and had more than enough to share with our friends. They responded via text and said they already had a tri tip roast on the grill, and were making mashed red potatoes as a side. We suggested combining dinners at our house.
One of our favorite things to do is get dressed up and have dinner at a nice restaurant. We are able to do this just as we have done everything since retirement - by looking at things differently and thinking out of the box.
I showed Vonnie, and we both shook our heads. We both knew that in years past, we would have been forced to overpay, and buy the $60 backpack because we were in one of the stores for which we had a store credit card.
We don't feel we are doing without or that we are not enjoying life. Instead, choosing what is really important and saving our money for it has become an imaginative, fun challenge. We aren't living the life we had before retirement; we are enjoying a totally new way of thinking and living.
Before committing to one or the other, I did a little price comparison to see which would be the better choice.


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be tricky, especially if the layers don't lie completely flat on the sewing
surface. The Jean-a-ma-jig solves this problem. While it's a very simple-looking
plastic tool, it's incredibly helpful. I've even used it with my mother's
sewing machine from the 1980's. At first glance it can be confusing to figure
out what to do with this odd-looking gadget.
However, in three easy steps you can get perfect results. Here's how:
1. Sew through layers until the presser foot starts to angle as shown below:
2. Insert Jean-a-ma-jig behind
presser foot so it lays flat on the Jean-a-ma-jig and your fabric. Sew until the presser foot starts to angle
towards you and is not lying flat.
3. Insert the Jean-a-ma-jig in front
of the presser foot and sew until the presser foot is completely off the uneven
sewing area.
Now that you can use a Jean-a-ma-jig like a pro,
perhaps you're ready to move on to another sewing project. Check out our
directions on how to make a cupcake pincushion


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Saloon cars in the Philippines
Saloon cars refer to vehicles that can seat four to five passengers, have two or four doors, and have a cargo or storage area at the back. On average, they are 4500 to 4900 mm long depending on the market they are sold in.
The term "saloon" is used primarily by the British car market, but in North America this car make is more popularly known as a sedan. This car category is subdivided further depending on the body make of the car, its length, and features.
Different subcategories of the saloon
- Full-size luxury refers to premium large cars which are often equipped with the most powerful (up to 12-cylinder) engines in the saloon category. Example: Audi A8
- Full size considered as the largest affordable saloons or sedans in the North American market. In terms of length they can be longer than 4900 mm long. Example: Dodge Charger
- Midsize luxury are the upscaled full-size saloons with luxurious features. They also refer to some of the largest hatchbacks in this category. Example: Peugeot 607
- Midsize are also called large family or medium cars as they can comfortably seat five adults and have a large trunk at the back. Example: Hyundai Sonata
- Sports saloon these are a group of high-performance saloons. They are generally used for touring, rally races and other motorsports events. They too are equipped with more powerful engines. Example: BMW M5
- Compact executive these are mostly made up of luxury compact vehicles that have smaller rear seat room and trunk space. Their overall size is also smaller than the mid-size saloon. Example: Audi A4
Market price range
Saloons are priced comparatively lower than larger vehicles such as Sports Utility Vehicles (SUVs) and older models are also cheaper when compared to the newer conceptualized subcompact category cars. Carmudi's database reveals that some of our used saloons have prices below P100,000.
Brand new entry level luxury sedans are tagged at P2,000,000 and above. Some of the most expensive cars are also in this category. A second hand Lamborghini Murcielago 2004, for instance, has a whooping P15 million price tag.


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The White House has responded to two petitions asking the U.S. government to acknowledge formally that aliens have visited Earth and to disclose any intentional withholding of government interactions with extraterrestrial beings.
"The U.S. government has no evidence that any life exists outside our planet, or that an extraterrestrial presence has contacted or engaged any member of the human race," Phil Larson from the White House Office of Science and Technology Policy reported on the WhiteHouse.gov website."In addition, there is no credible information to suggest that any evidence is being hidden from the public's eye."
More about UFOs
Share your stories about UFOs
Cosmic Log: The UFO debate usually focuses on reports that are many years old — but strange things are still being seen in the sky, by folks just like you.
- The case against UFOs: Are sightings reliable?
- The case for UFOs: More investigation needed
- British UFO files trace sightings (and hoaxes)
- WWII secret study cited in UFO files
- What to do if you see a UFO
- Share your stories about UFOs
The petition calling on the government to disclose any knowledge of or communication with extraterrestrial beings was signed by 5,387 people, and 12,078 signed the request for a formal acknowledgement from the White House that extraterrestrials have been engaging the human race.
"Hundreds of military and government agency witnesses have come forward with testimony confirming this extraterrestrial presence," the second petition states. "Opinion polls now indicate more than 50 percent of the American people believe there is an extraterrestrial presence and more than 80 percent believe the government is not telling the truth about this phenomenon. The people have a right to know. The people can handle the truth."
These petitions were sparked by an Obama administration initiative called "We the People." Initially, the White House said staffers would respond and consider taking action on any issue that received at least 5,000 online signatures within 30 days. The requirement has since been raised to 25,000 signatures.
Larson stressed that the facts show there is no credible evidence of extraterrestrial presence here on Earth. He pointed out that even though many scientists have come to the conclusion that the odds of life somewhere else in the universe are fairly high, the chance that any of them are making contact with humans are extremely small, given the distances involved.
"However, that doesn't mean the subject of life outside our planet isn't being discussed or explored," Larson wrote.
Larson mentioned that a scientific search for extraterrestrial intelligence is keeping an "ear" out for signals from alien civilizations, with none found so far. (He noted that this at first was a NASA effort, but is now being funded privately.)
He added that the Kepler spacecraft is searching for Earthlike planets in the habitable zones around other stars, and that the Curiosity rover will launch to Mars this month to "assess what the Martian environment was like in the past to see if it could have harbored life."
Regarding any evidence for alien life, all anyone has now is "statistics and speculation," Larson said. "The fact is we have no credible evidence of extraterrestrial presence here on Earth."
The Paradigm Research Group, one of the organizations promoting the petitions, said that the response by a "low-level staffer" was unacceptable and that it would begin a new petition campaign.
More about aliens:
- What to do if we find alien life
- Calculate the odds of finding E.T.
- What's up with the increase in UFO reports?
- Cosmic Log archive on aliens ... and UFOs
See the petitions and the response at the WhiteHouse.gov website. Hat tip to NASA Watch.
This report originally appeared on the Universe Today website as "No Alien Visits or UFO Coverups, White House Says." It was supplemented by msnbc.com with the Paradigm Research Group's response.
Copyright © 2013 Universe Today. Republished with permission.


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In 1976, the McCormick Board of Trustees established the Distinguished Alumnus/a Award:
This award is recognition of distinguished contribution to the ministry of the church by an alumnus/a of McCormick Seminary. The award is open to all, without reference to age, sex, ethnic background, denomination, form of ministry, length of service or public fame. Rather, the emphasis will be on quality and significance of exceptional contribution to the ministry of Jesus Christ.
The award is for living graduates and cannot be awarded posthumously. Retired McCormick presidents and professors are not eligible for the award during the their first five years after leaving the Seminary. Only alums can nominate candidates, although anyone can submit a letter of recommendation. The committee emphasizes the importance of a complete nomination, which must include adequate information describing the person's history and work, as well as at least three letters of recommendation. All information must be submitted to the Alumni/ae Office.


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Population and Census Data
The latest population data is available from the 2011 Census. All census data for district, ward, parish and other geographies is available to view at Neighbourhood Statistics.
A breakdown of population by age group for wards and parishes in the district is provided below.
A summary of key data for Hampshire districts, including New Forest, is provided on Hampshire County Council's web site and can be viewed on the facts and figures pages at www.hants.gov.uk
Updated: 18 Dec 2017