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One of the reasons men find themselves at the Friendzone is fear of rejection as I have said. They are afraid when they put everything into obviously running after this exceptional woman, she'll reject them.
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Those who arrive late( especially first timers, and those who don't attend frequently) will see you as a warm, kind, and welcoming manhood, and will pottstown casual sex Ottawa ON that you are in charge. It works, although it's an interesting concept.
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I might be being a bit dramatic here, but I am guessingyou're usually and you sober up. Here is the principle straight out of The Tao of Dating choose. It ends up being better for everyone around you and for you.
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When he was taken by his ex- girlfriend out for his 13, he narrated a ordeal. The woman went to invite a bunch of her friends. When the bills came, all ofthe'so called friends' appeared at Reagan, anticipating him to foot the bill.
We don't have any clue what their personality is 15, As soon as we meet a complete stranger. It's a challenge to determine if they have the same humour as you or if you have interests that are common, so you are in fear of saying something wrong. Before it decided that it is safe to say when this happens about saying everything you think is filtered from the sex dating membership.
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But( thank goodness, since I did not know how clean my backpage escorts bedroom was and had never had one man for a guest before) , he declined. I had the feeling he might have been fond the way an individual was over an awkward, awkward, little puppy that is into- Ottawa Ontario dating apps unavailable. He clarified tomorrow, that he had to get home to pack up for his excursion and kissed me goodbye.
Authentic Twin Flames understand that love soothes your pornstar escorts backpage Narrow Lake. No matter how far you operate out of a Twin Flame, you feel the feelings that are soothing due to the profound bond that you discuss. Instead you think of each other each moment although However chaotic life gets, you feel the oneness and closeness with your Twin Flame it isn't easy to forget them and you do things for each other to keep the joy.
Alpha men know that seeking validation from others is hot jewish hookers Notre-Dame-de-la-Salette QC. He doesn't define his worth based on others' estimation. He has his very own core group of values. Provided that he lives his life based on a strong sense of integrity, he is happy, which is one source of strength he can not be taken away from by the world.
Dealing with a Hostile Goal Every so often you'll come a goal who is plain rude and even aggressive. What do you do? How do you salvage something out of it? The question is would you deserve her hostility. Can you Ottawa Ontario casual sex herpes the with a few lame mac- daddy pickup line such as; " Nice legs! What time do they open? " or invade her personal space. You definitely deserve a kick and a head butt to the groin, In case you did anything of that sort whatsoever then. Don't be a perv! It's pathetic! If on the hand you played your cards correctly, conducted yourself and approached with sincerity and respect that's a different matter. She has no right to be aggressive and rude although do not get it wrong, she has the right to reject your advances without question.


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Grief is only the memory of widowed affections.
Martineau, James quotes
Quotes :
- James Weldon Johnson – tragedies of life "In the life of everyone there is a limited number of experiences which are not written upon the memory, but stamped there with a die; and in the long years after, they can be called up in detail, and every emotion that was stirred by them can be lived through anew; these are the tragedies of life." ~James Weldon Johnson, The Autobiography of an Ex-Colored…
- Frase celebre di James Dean «Sogna come se dovessi vivere per sempre. Vivi come se dovessi morire oggi.» (James Dean)
- Frase celebre di James Earl Jones «Una delle cose più dure nella vita è avere parole nel tuo cuore che non puoi pronunciare.» (James Earl Jones)
- James Thorpe "Household tasks are easier and quicker when they are done by somebody else." James Thorpe quotes

subset: commoncrawl


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SVG Tiny 1.2 :: x/y attributes in svg element
It looks like Illustrator believes that x/y are valid attributes for the 'svg' element when exporting as Tiny 1.2. Based on reading the spec, I'm not entirely sure this is true.
10 votes
Alex Brotman shared this idea
1 comment
Thede Loder commented
Certain users of Illustrator, reporting into those responsible for corporate identity, are going to want built in support for SVG Tiny 1.2, and in particular the BIMI flavor. It would be great to see this feature implemented!


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Tag: chronic emptiness
Posted in Borderline Personality Disorder Mental Health
Anxiety Makes Me Think Everyone Will Leave
I'm an outgoing person. I enjoy talking and meeting new people. I love social gatherings and surrounding myself with my favorite people. They sometimes say…
Posted in Borderline Personality Disorder
Chronic Emptiness & Seeking Attention
I've never told many people this, but I spend most of my time awake feeling empty. I lack a sense of purpose, a fulfilment in…
Posted in Borderline Personality Disorder Self-Harm
4 Ways I 'Split' As Someone With BPD
The world is constantly split in the eyes of someone like me with borderline personality disorder. We only see things in extremes, one end of…


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Yearbook Sales
The yearbook staff is working hard to ensure that no matter the uncertainty that comes with this school year, there WILL be a yearbook. As they get information, the staff will do everything they can to keep everyone updated.
Senior Portraits
Senior portraits will be due by the end of the day Sunday, December 18, 2020. Photos will have the following requirements:
Senior AdsSenior advertisements may be purchased at https://ads.creatorstudiopro.com/9134046. Purchasers will need to upload photos and design ads themselves. Junior graduates are allowed to purchase a senior ad.The pricing is as follows:$170 - full page$90 - half page$45 - quarter page$15 - 1/8 page$10 - love line (text only with 200 character limit, no photos)


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In a New Mexico impound lot, Shelbie Madsen picked up the last pieces of two lives that never seemed to stop shattering.
Her mother's belongings — or what was left after three years of moving between friends' and relatives' homes — needed to be moved out of her dad's truck and taken back to Utah. The truck would have to stay in New Mexico. Shelbie didn't have the legal documents to show she had been Steve and Deanna Madsen's daughter.
It's just as well, Shelbie said. That truck is where her father killed her mother on Thanksgiving night and then fatally shot himself during a trip from Carlsbad, N.M., to Shelbie's home in Price.
On Friday, Shelbie made the long drive to bring her mom's remains back to Utah, plan separate funerals for both of her parents, and somehow find balance and closure in her memories of each of them.
"I'm very angry. Very, very angry," said Shelbie, 24. "But I still love him, and I can't not forgive him because I'm just going to continue with more harsh feelings and not repair from this. ... I want to be able to speak and let my mother's voice be heard — but his mental illness is also a voice that needs to be heard."
Steve Madsen wasn't always like this, his daughter said. When Shelbie and her brother were young children, the Madsens were "this perfect little family," said Misty Sweeting, who lived across the street from them in Salina.
Sweeting spent hours in their home as she was growing up, she said. Eventually she became the children's unofficial aunt and moved in with the family when she was 18.
"The home was full of love, full of acceptance, and this family was something so many people dream of," Sweeting wrote in a GoFundMe she created for Shelbie and her brother.
'Deeper and darker'
But things began to change, Shelbie said. Steve started drinking when his dad developed serious health problems about 20 years ago, she said. His father's death in 2002 was just the beginning of a series of family tragedies, Sweeting added. Months later, Steve's sister and young niece were killed in a car wreck. A few months after that, his mother died, and an infant nephew died just two months later.
Sweeting recalled joining the family at funeral after funeral. Within a year, Steve was charged with minor drug and alcohol offenses. At one point, Steve attempted suicide, Sweeting said, and his fights with Deanna became increasingly violent.
"They took all their anger and aggression out on each other," Sweeting said. "It was crazy to see the transformation, to just watch a family go from being a normal, cute little family to what happened."
Things got even worse a few years after that; in 2008, Steve's brother died of a brain aneurysm in California, and while the family was driving his remains back to Utah for burial, Deanna received word that her father had died, Shelbie said. In the months after that, Steve pleaded guilty in another intoxication case, and Deanna was charged with her first drug offense.
"They kept going further and further and deeper and darker," Sweeting said. "Watching Steve drink himself into numbness, and Deanna — she got so sick of the abuse she started taking extra Xanaxes. I just stayed there and tried to do the best I could for the kids at that point."
Shelbie grew up dreading the day she'd have to leave her parents.
"It did kind of hold me back from my adult life," she said. "I had the fear of losing them my whole life. I didn't want to move out because I thought they'd hurt each other."
'She just lost herself'
The marriage finally dissolved in 2016, after Deanna's mother died, Shelbie said. Deanna moved out of the Madsens' home in Salina and spent the next three years staying with friends and family in various cities, and occasionally on the street.
"Her mom was her whole world," Shelbie said. "When she lost her mom, she just lost herself."
Meanwhile, court records suggest Steve's behavior was becoming more destructive. In 2017, he pleaded no contest to drug and alcohol charges, as well as damaging or preventing use of a phone, and in another case he admitted to intentionally damaging property. Court documents do not indicate whether Deanna Madsen was targeted in those cases, and Salina police were not available for comment.
Shelbie said she realized she couldn't be responsible for her parents' choices anymore. She started working at Walmart and recently was promoted to assistant manager in a store in Price. She had settled into an apartment when her mom made plans to move in with her. Deanna had been living near a relative in New Mexico, but she wasn't happy there, Shelbie said.
"I still stressed about them because they were both financially unstable," Shelbie said. "I sent money to each of them to help them out because, you know, they're my parents. But it was a struggle thinking about them — Dad being alone, Mom being out in New Mexico and not having very many people she knew."
But getting Deanna to Price was a problem. Deanna didn't have a car, and Shelbie was reluctant to make a big trip right before Black Friday at her new job. That's when Steve offered to drive to New Mexico and bring Deanna to Price, Shelbie said.
Although the couple had separated, they stayed in contact with each other, Shelbie said. But she had misgivings about her estranged parents making the long road trip together.
"I reassured him I could do it, but then he reassured me, 'No, no,' he could go get her," Shelbie said. "That's a big part of the betrayal — because of the reassurance."
'You've got to get help'
Steve arrived at Deanna's home on Thanksgiving morning, and they loaded her things into his truck. Shelbie received a text message from her parents that evening, saying that they were on the road but they planned to stop for a nap.
They were near Roswell, about an hour and a half from Carlsbad, when Chaves County sheriff's deputies got Deanna's 911 call around midnight. She said a man with a gun was threatening to kill her and himself, Sheriff Mike Herrington wrote in a news release.
"As deputies were arriving on scene ... the male subject shot the female and then shot himself," Herrington wrote.
The creeping sense of dread that had followed Shelbie for so many years suddenly came to life. Her mother had died at the scene, investigators told her, and her father was on life support at a hospital in El Paso. Deanna was 45 and Steve was 49.
After a 16-hour drive, Shelbie was by her father's side, setting up a video chat with his family so they could all say goodbye before the machines were turned off.
"My aunt was in the room with me because I needed support," Shelbie said. "Even though it was the man who killed her sister, she was still there for me."
In the week since then, Shelbie has been handling her parents' end-of-life tasks: finances, paperwork, and getting two bodies to another state. Relatives on both sides have tried to make the best of it, Shelbie said. Her father's family, already decimated by tragedy, dispatched cousins to bring Steve's body to Koosharem, where he will be buried. Steve's family apologized to Deanna's family, Shelbie said.
"We all understand," she said. "They've been really good toward each other."
Deanna will be buried in Utah County, where her parents live, Shelbie said.
It's unclear what exactly led to the shooting, Shelbie said, and Chaves County sheriff's officials did not return The Salt Lake Tribune's calls for comment.
But Shelbie said she doesn't believe her father intended to kill her mom when he volunteered to bring Deanna back to Utah. The fact that he took a gun with him doesn't suggest a plan, she reasoned, because he took his gun everywhere.
"The only thing we can think of is they started arguing," Sweeting said.
In retrospect, Shelbie said, it seems like her father started down this path much earlier: when he started self-medicating with alcohol and drugs, rather than seeking professional help to cope with grief and loss.
Now, confronted with the biggest loss of her life, Shelbie said she doesn't want to make the same mistake.
"I never was one for therapy, but I'm definitely going to get it. I really think people with these issues need to get it," she said. "I want people to understand you can't think that one day it's going to get better. You've got to get help."


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Real Madrid 1-1 Atlético Madrid HD 1080i Full Match Highlights (08/04/17)
►#1 Real Madrid Instagram Fan-Page
"Copyright Disclaimer Under Section 107 of the Copyright Act 1976, allowance is made for "fair use" for purposes such as criticism, comment, news reporting, teaching, scholarship, and research. Fair use is a use permitted by copyright statute that might otherwise be infringing. Non-profit, educational or personal use tips the balance in favor of fair use."


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first time using these forums so please excuse errors / omissions
Contravention 53j: accidentally drove into a time-controlled pedestrian zone in Newham on 14 Aug 2018. Received PCN from Newham Council on 23 November 2018 along with photos and video evidence. Vehicle is hire-purchase so I am registered keeper, not owner.
Does the council have a time limit by which it should issue the PCN?
any advice would be very welcome thank you.


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A trust in Columbia, Kentucky is a legal arrangement for the management of property by one person, for the benefit of another. In the simplest possible terms, if property is held in trust, it is possessed and controlled by one person, but it is technically owned by another person, who benefits from the property.
Trusts can serve any number of purposes. They can be set up to ensure that the child has a college fund, or to see that the beneficiary's basic needs are met, without the money being spent on frivolities.
A trust can make as many or as few allowances as the person creating it wants. For example, a trust could be set up which allows the beneficiary to spend the money on educational expenses, and nothing else.
Of course, the trust could also be set up to allow the beneficiary unfettered access to the fund, or a certain amount of money could be released from the fund to the beneficiary each month, for the beneficiary to use as he or she sees fit.
What to Include in Any Columbia, KY Trust
There are 4 things that have to be present in every trust for it to be valid in Columbia, Kentucky. First, the trust must have a stated purpose. Whatever purpose you intend the trust to serve, you should make it very clear when drafting the document.
Second, there must be a trustee. This is the person who will administer the trust, and retain possession of the property or money that it contains, as well as being responsible for using it to effectuate the trust's purpose.
The third required element to make a valid trust is the beneficiary or beneficiaries. Because a trust, by definition, is set up to benefit someone or something, that entity must be identified in the trust. However, if the person(s) meant to benefit from the trust do not yet exist, they can still be valid beneficiaries, as long as they are part of an identifiable class of people, and can be easily identified if they are born. For example, you could set up a trust to benefit your grandchildren, even if you don't actually have any grandchildren yet.
Fourth and finally, the trust must include what is known as the "corpus" or "body." The corpus is the money and/or property which is being held in trust. For a trust to be valid, the corpus must be clearly identified.
Can A Columbia, Kentucky Trust Drafting Attorney Help?
While its' easy to list the basic elements that need to be present for a trust to be valid, the actual process of setting up a trust can be a little complicated. For that reason, seeking the counsel of a good Columbia, Kentucky attorney to help you set up a trust is probably a good idea.


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USA: Officials Seek Public Comments on Missouri River Project
A draft revised environmental assessment for PL 84-99 levee rehabilitation activities at L-575 along the Missouri River is currently available for public review.
Rehabilitation activities consisted of in-line repairs to bring the levee back to pre-flood conditions and construction of two large-scale levee setbacks. An EA was prepared for the known repairs prior to construction in December 2011, however as final design and construction activities proceeded, the need for more extensive repairs including large-scale setbacks was revealed. Based on need for timely completion of the emergency repairs, a revised environmental assessment was not fully completed until after construction had been mostly completed.
The draft revised EA primarily focuses on evaluation of the effects of the large-scale levee setbacks between river miles 566-556.
This draft revised EA is consistent with the National Environmental Policy Act of 1969 (NEPA), as amended, the Council on Environmental Quality's (CEQ) regulations for implementing NEPA (40 CFR 1500-1508), the Corps' regulations for implementing NEPA (33 CFR 325 and Engineering Regulation 200-2-2), PL 84-99, and other applicable environmental laws and regulations.
Rehabilitation of L-575 occurred under the PL 84-99 Flood Control and Coastal Emergency Act in response to levee sponsor requests to repair damage to the levee caused by the 2011 flood. Initially, all in-line repairs on L-575 were implemented at damage and breach locations, except those along the large-scale setback areas.
By February 2012, all the breaches had been closed and by October 2012, the other non-breach structural repairs had been completed. The Corps was still determining whether or not large-scale setbacks would occur at both sites. The two large-scale setbacks were determined to be the most cost-effective approach to permanently fixing the levee.
The first large-scale setback near Iowa Highway-2 began in March 2012, concurrently with development of this revised EA. In late October 2012, a large-scale setback across the river from the OPPD coal-fired power plant, south of Nebraska City in Otoe County was initiated. Both setbacks were substantially complete at the time this draft revised EA was finalized.
Combined, the setbacks will open up approximately 1,860 acres of floodplain, reduce stages of the 100-year flood event by up to 1.6 feet, and reduce velocities of the 100-year flood event by up to 2.6 feet/second. Although incidental environmental benefits result from large-scale levee setbacks, habitat creation was not a purpose of this project. All wetland impacts were mitigated for concurrently during construction.
Press Release, June 6, 2013
List of related news articles
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Repairing the Missouri River Levee System
The U.S. Army Corps of Engineers, Omaha District has closed the third of four breaches earmarked for...Posted: 3 months ago
Posted: 4 months ago
First breach closed on L-536 levee system
The U.S. Army Corps of Engineers, Omaha District closed the first breach along the L-536 levee syste...Posted: 4 months ago
Posted: about 1 month ago
Repairing damaged Lower Missouri River channel
The USACE Kansas City District is currently performing multiple tasks to address priority areas of c...Posted: about 1 month ago
Posted: 2 months ago
Lawmakers push for more Missouri River dreding
Kansas Jerry Moran has joined his colleagues in calling on USACE to provide additional funding for p...Posted: 2 months ago


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Hello fellow care providers,
I am reopening my daycare in the near future (when this health pandemic allows us to). When I left mid 2018 I was strictly full time with no B/A school option but This time around I am considering providing both. I am in Ontario, north of Toronto.
What is the going rate for B/A care?
Any advice, tipsn tricks, suggestions for providing B/A care?
Thanks! Stay healthy.


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|Message view
|« Date » · « Thread »
|« Date » · « Thread »
|John Lilley <john.lil...@redpoint.net>
|RE: winutils and security
|Sun, 24 Aug 2014 17:04:45 GMT
Following up on this, I was able to extract a winutils.exe and Hadoop.dll from a Hadoop install for Windows, and set up HADDOP_HOME and PATH to find them. It makes no difference to security, apparently. John From: John Lilley [mailto:email@example.com] Sent: Saturday, August 23, 2014 2:41 PM To: 'firstname.lastname@example.com' Subject: winutils and security Up to this point, we've been able to run as a Hadoop client application (HDFS + YARN) from Windows without winutils.exe, despite always seeing messages complaining about it in the logs. However, we are now integrating with secure clusters and are having some mysterious errors. Before these errors occur, messages come from Hadoop like those below. Is it possible that this is leading to our security failures? (I posted previously about that problem but got no response). What does winutils.exe have to do with security, if anything? Thanks john The relevant portions of the log seem to be: 2014-08-23 14:33:10 DEBUG org.apache.hadoop.metrics2.impl.MetricsSystemImpl: UgiMetrics, User and group related metrics 2014-08-23 14:33:10 DEBUG org.apache.hadoop.security.Groups: Creating new Groups object 2014-08-23 14:33:10 DEBUG org.apache.hadoop.util.NativeCodeLoader: Trying to load the custom-built native-hadoop library... 2014-08-23 14:33:10 DEBUG org.apache.hadoop.util.NativeCodeLoader: Failed to load native-hadoop with error: java.lang.UnsatisfiedLinkError: no hadoop in java.library.path 2014-08-23 14:33:10 DEBUG org.apache.hadoop.util.NativeCodeLoader: java.library.path=[...] 2014-08-23 14:33:10 WARN org.apache.hadoop.util.NativeCodeLoader: Unable to load native-hadoop library for your platform... using builtin-java classes where applicable 2014-08-23 14:33:10 DEBUG org.apache.hadoop.security.JniBasedUnixGroupsMappingWithFallback: Falling back to shell based 2014-08-23 14:33:10 DEBUG org.apache.hadoop.security.JniBasedUnixGroupsMappingWithFallback: Group mapping impl=org.apache.hadoop.security.ShellBasedUnixGroupsMapping 2014-08-23 14:33:10 DEBUG org.apache.hadoop.security.Groups: Group mapping impl=org.apache.hadoop.security.JniBasedUnixGroupsMappingWithFallback; cacheTimeout=300000
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Press Release: HSA Bank Hosts National Webinar Featuring Roy Ramthun, a.k.a. "Mr. HSA"
Media Contacts:
(203) 578-2610 | firstname.lastname@example.com
(920) 453-5286 | email@example.com
SHEBOYGAN, Wis., August 4, 2016 — HSA Bank, a division of Webster Bank, N.A., is hosting a live, national webinar to help employers and benefits advisors navigate the legislative landscape and understand the potential impacts on consumer-directed healthcare (CDH), especially Health Savings Accounts (HSAs).
The live Legislative Outlook webinar will be held on Wednesday, August 17, 2016 at 2:00 p.m. Central Time. The webinar features Roy Ramthun, a.k.a. "Mr. HSA", a nationally-recognized, CDH expert who led the U.S. Treasury Department's implementation of HSAs after they were enacted into law in 2003.
Registered participants will get an insider's perspective about how legislative and regulatory changes will impact the HSA market. Industry topics covered include the Cadillac Tax, the impact of the upcoming Presidential election, and the Department of Labor fiduciary responsibility rules.
HSA Bank is also concluding a series of in-person sessions with Roy Ramthun covering the same information with four final sessions in Miami, Tampa, Columbus and Washington, D.C.
To register for the live webinar or an in-person session nearest you, visit www.hsabank.com/legislativeoutlook.
About HSA Bank
HSA Bank is a trusted leader in consumer-directed healthcare (CDH), focusing on Health Savings Accounts (HSAs) for over two decades and serving as both the bank and administrator. Discover how we can support your benefits strategy with our comprehensive account-based health benefit solutions that include HSAs, Flexible Spending Accounts (FSAs), Health Reimbursement Arrangements (HRAs), Commuter Benefits, COBRA Administration, and HSAdvisor+SM. With a reputation for outstanding service and thought leadership in the CDH space, we offer one platform and one portal for all our members. HSA Bank inspires 3 million members and 35,000 employer groups to "own your health" by making it easy to access, understand, and afford healthcare. As of June 30, 2020, HSA Bank has $9.0 billion in total footings (assets) comprising $6.8 billion in deposit balances and $2.2 billion in assets under administration through linked investment accounts, and is a division of Webster Bank, N.A., Member FDIC.


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A hike in the high mountains, which will permit you to discover the Aubé pond and the "dent de Mède".
A great view for little effort.
A 360°panoramic view during the treck, 2 variants are possible for adapting the distance of the hike; besides the trecks can be done in either direction.
Superb circuit hike via the Aubé lake dominated by the "Dent de Mède".
This relatively long walk has a complete inventory of our mountains, it can be realized in two days sleeping in the cabin of Turon Ars.


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By Collective,Organization for Economic Cooperation and Development
The universal Agricultural coverage (CAP) is a vital coverage for the ecu Union and debts for roughly forty% of the ecu price range. Ever on the grounds that its inception in 1958, the CAP has been frequently reviewed and altered to enhance its functionality and adapt to altering conditions. At a time while the post-2013 way forward for the CAP is being mentioned and significant demanding situations similar to meals protection and weather switch lay forward, you will need to evaluate the influence of earlier reforms and to attract classes for the layout of destiny regulations.
While the reports in those court cases frequently take account of nationwide and overseas marketplace results of agricultural guidelines, they have a tendency to target the impression of guidelines on farms and on the neighborhood and native degrees. this present day, the eu Union consists of very varied areas which are affected very another way via any given farm coverage, looking on the structural features of the farms' and areas' economies.
This record collects papers offered on the OECD Workshop on Disaggregated affects of CAP Reforms, held in Paris in March 2010, which eager about contemporary reforms. particularly, it tested the implementation of the only cost scheme considering the fact that 2005 and the move of cash among various measures. exact recognition used to be additionally paid to reforms of the sugar and dairy sectors with recognize to the quota procedure and the restructuring of either those industries. The papers additionally examine the influence of the recent direct money procedure on land use, creation and income.
Read Online or Download Disaggregated Impacts of CAP Reforms: Proceedings of an OECD Workshop (AGRICULTURE ET) PDF
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Disaggregated Impacts of CAP Reforms: Proceedings of an OECD Workshop (AGRICULTURE ET) by Collective,Organization for Economic Cooperation and Development
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Home > Patagonia Today > Patagonia Curiosities
Patagonia Curiosities
- The City of Caesars: The Abandoned Fort
- Nazi Submarines in Caleta de los Loros?
- Harry Potter in Argentina
- The Nahuelito Enigma
- Viedma's Lighthouse and Library: 120 years old
- Far West Bandits
- Biggest Dinosaur on Earth found in Patagonia
- Money and glamour in Patagonia
- Butch Cassiddy & Sundance Kid In Patagonia
- The Shipwreck of the Monte Cervantes
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Patagonia Tours
The ideal trip for those willing to know Argentina's travel icons: Perito Moreno Glacier in El Calafate, the End of the World in Ushuaia, the indispensable and mysterious Buenos Aires and the new Wonder of the World, The Iguazú Falls. A combo that lacks nothing, with...
This is a journey to the End of the World, reaching the mythical Tierra del Fuego and then visiting the Glaciers National Park and the deservedly famous Perito Moreno Glacier. Simply put, it is a seven days journey of non-stop beauty, distributed across the cities...
This dream tour includes the ride in the Los Glaciares National Park until you reach the famous Perito Moreno Glacier, crossing walkways and balconies that will allow you to have excellent views of this mass of ice. A unique sensation of smallness in front of...
The two most iconic & emblematic Natural Monuments in Argentina, both declared World Heritage Sites, toured in six unforgettable days. The immense glaciers in Patagonia and the spectacular Iguazú Waterfalls in the north-eastern region of the country, will leave you breathless.
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Monsieur poulet suisse anti aging, 77 Best baráky images | Cabins, cottages, Hippie men, Cabins in the woods
Dlouhá 37, Prague 1 Vegetarian lehkahlava. Vegetarian, vegan and gluten free friendly. T: Dlouhá třída M: B Nám.
Republiky Wine Bar bokovka. Enjoy proti stárnutí formella glass of wine with fresh cheeses and small meat plates from local butcher Amaso.
Each month, we're searching out the ultimate cocktail bars in Prague and giving you the rundown of the best places to lift your spirits. Have a tip on where we should go next? Email us at editor pragueresident.
Lucie Sládková (lsldkov) on Pinterest
LIN Bar Named after poet and professional drunk Charles Bukowski, the philosophy of the bar would make him proud with a down-to-earth atmosphere, eclectic decorations and solid drinks. Pavlova, this new-comer is a hidden oasis serving signature and classic cocktails along with amazing brunch dishes.
Enjoy the spacious courtyard terrace throughout the summer months and the lively interior in the winter. Bullerbyn Chodská 17, Prague 2 bullerbyn.
The signature cocktail selection is accompanied by whimsical sketches that remind you of your childhood fairytales. On top of cocktails they serve amazing lunch and dinner dishes, and brunch on the weekends.
Dandy Anny Letenské 18, Prague 2 dandyprague. Hang out with the friendly bartenders while sipping on one of their creative signature cocktails, like the Dirty Daddy or Vegan Grindr.
Lublaňská 59, Prague 2 Bar and Books barandbooks. Dim lighting, heavy monsieur poulet suisse anti aging, ornately framed paintings, and of course books mostly for visual aesthetics. Reservations online.
Следует тщательно обследовать все тоннели. Если иных средств спасения не обнаружится и вагон окажется на остановке, Макс, Эпонина, Николь и я садятся в. Патрик же спускается вниз - к группе, оставшейся в музее.
Elbow Room Veletržní 40, Prague 7 This unmarked bar is a hidden favorite for a relaxing evening in Letná. With an extensive list of signature cocktails, the subtle Latino music adds to the intimate vibe. Edison Letná Šmeralova 5, Prague 7 edisonletna.
This cocktail therapy bar comes in the form of a hidden, calming cellar in-between the bustling Wenceslas Square and Národní třída areas. After ringing a bell to get in, you will be given a Rorschach test which the mixologists will use to prepare your drink.
AnonymouS Michalská 12, Prague 1 anonymousbar.
Reservations are taken only until 9pm. Parlour Krakovská 15, Prague 1 parlour.
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The signature drinks all come with their own history, which the bartender is always happy to explain. Reservations are highly recommended. Cash Only Bar Liliová 3, Prague 1 cashonlybar.
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Oh, and monsieur poulet suisse anti aging the way, they do serve amazing hot dogs. When they wake up in the morning, that's as good as they're going to feel all day.
La Bodeguita del Medio Kaprova 5, Prague 1 labodeguitadelmedio. In addition to great food, bar staff have perfected their craft with regional drinks, from the Cuba Libre to the Mojito.
And if you're looking to go full Cuban, it happens demografie proti stárnutí be located underneath Cohiba Atmosphere cigar bar.
Schody Home Bar Zámecké schody 8, Prague 1 Recently opened bespoke cocktail bar and sister to one of our favorite cocktail places, Parlour. Located right on the stairs schody leading to the Prague Castle, like Parlour it's also hard to find but well worth the search.
Local firemen turned off the engine, put out the fire and went home. It added that the move would lead to delays and cancellations, and said the process was expected to be completed by the end of this month. Samsung and Apple are the Nos. Some attended a Bank OfAmerica Merrill Lynch event this month, about twice the numberat its previous event a year ago. While the skater cut and pink hue make this a definite girls' girl look, the deep shade stops it from being too childish.
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ANNOUNCER: This is NIGHTLY BUSINESS REPORT with Tyler Mathisen and Sue Herera.
SUE HERERA, NIGHTLY BUSINESS REPORT ANCHOR: Big stake. An activist investor jumps into GE in order to revive the share price of one of the most widely owned stocks in mutual funds.
TYLER MATHISEN, NIGHTLY BUSINESS REPORT ANCHOR: Deal reached. Twelve nations, one controversial trade pact. And the impact on the U.S. economy could be massive.
HERERA: Cost of convenience. Why you're paying record amounts to withdraw your cash.
All of that and more tonight on NIGHTLY BUSINESS REPORT for Monday, October 5th.
MATHISEN: Good evening, everyone, and welcome. Glad you could be with us on this rally Monday.
Stocks started the week on a high note. The Dow Jones Industrial Average soared 304 points to 16,776. The NASDAQ was up 73. And the S&P 500 added 35 points, its fifth straight day of gains and its longest win streak of the year. All three of those major barometers are now out of so-called correction territory meaning they're now less than 10 percent off their most recent highs.
Now, one of the reasons for the blue chip surge was General Electric (NYSE:GE). The widely held company found in many mutual funds and retirement plan offerings has a new big investor. Trian Fund Management run by the activist investor Nelson Peltz has accumulated a $2.5 billion stake in GE, becoming one of the conglomerate's largest shareholders.
The fund says GE shares are undervalued. And just look at the stock's performance over the past decade — shares of GE down about 20 percent. Well, the S&P 500 has gained a little more than 60 percent.
Today, shares of GE rose more than 5 percent on word of that Trian stake.
Mary Thompson has more on this big investment by a very big and influential investor.
MARY THOMPSON, NIGHTLY BUSINESS REPORT CORRESPONDENT: In a first for General Electric (NYSE:GE), the 123-year-old company is targeted by an activist investor in the midst of CEO Jeff Immelt's latest restructuring.
STEVEN WINOKER, BERNSTEIN: He's already doing those major changes. Peltz is going to push him a little bit further.
THOMPSON: Peltz is Nelson Peltz, a billionaire investor whose Trian Fund has had a hand in restructuring at Wendy's and Heinz. In GE, Peltz's partner Ed Garden says his firm sees value the market hasn't recognized.
EDWARD GARDEN, TRIAN PARTNERS: It's an amazing risk reward and I think we bought the best industrial business on the planet happens to be trading at the cheapest valuation.
THOMPSON: Despite Immelt's constant tweaking of GE's portfolio, its stock has lagged the broader market and its dividend remains well below pre-crisis levels.
Still, Trian likes GE's market share and businesses like jet engines and power, its commitment to research and development and Immelt's latest effort to remake the company by expanding GE's industrial businesses while selling off $200 billion in financial assets.
But Trian wants GE to sell off even more financial assets, take a tougher stance on cost cuts and use debt to buy back stock.
GARDEN: Management has said they're going to return $90 billion of capital to shareholders. I think that number could be $110 billion to $120 billion. Depending how you capitalize the industrial business going forward.
THOMPSON: GE says it welcomes the investment and points out Immelt considered putting Peltz on the board back in 2007. And while Trian says it's not pushing for a board seat or looking to push Immelt out now, that may change.
GARDEN: I think they'll execute. If they don't, then all options are on the table.
THOMPSON: For NIGHTLY BUSINESS REPORT, I'm Mary Thompson.
HERERA: Channing Smith joins us now to discuss what he thinks this will mean for GE stock and the investors who own it. He is co-portfolio manager at Capital Advisers.
Channing, welcome. Nice to have you here this evening.
CHANNING SMITH, CAPITAL ADVISERS: Thank you.
HERERA: What do you think of this particular move by Nelson Peltz?
SMITH: Well, we would agree. I mean, if we look at GE, we think it's one of the most undervalued stocks in the marketplace today. We think the opportunity is tremendous for this company to take their operating margins from kind of a low teens number to a high teens number.
But the plan has already been in place. The transformation from a conglomerate to an industrial is under way. I think that Peltz has realized this. If you look at what he's trying to change, not much. So, if management continue to execute, this stock price is going to go higher.
MATHISEN: I think you just answered my question, and that is what would Peltz have Immelt do that Immelt's not already doing only faster or deeper?
SMITH: Well, you know, it's interesting, Tyler. If you look at what he's doing, he's really supporting management here. The changes that he's making to the capital structure are really minor.
But look at what GE's done. If you go back and look at their second quarter, they have been executing.
If you look at their industrial orders, they were up 8 percent. Aerospace is strong. Power and water is very strong. Health care has actually rebounded. Oil and gas pretty much flat-lined but pretty good performance in a very weak environment.
So, if management can continue to execute and get rid of these financial assets, take that capital, use it for buybacks and for key acquisitions, this stock has got more upside potential in the long term. In the near term, we do have some reservations.
HERERA: All right. I want to get to those reservations in a moment. But first, management has been executing on this plan from Mr. Immelt for some time, and the street hasn't liked the stock for a long time. Why is it different now?
SMITH: Well, it's just tough. Immelt has had his chances and he's missed on some opportunities. But I think what you're seeing right in the share prices, that industrials have been very weak. If you look at that sector, it's been underperforming. A lot of that price stems from global growth concerns, emerging market demand has been very weak, and so a lot of these industrials are selling off.
The difference is, if you look at GE, about 83 percent of their industrial revenue is recurring. So, we feel very — that there's very stable income there. Very under-levered balance sheet and a very good dividend yield.
So, we think GE will probably see a hiccup in this third quarter just because you're going to see pricing come down, but investors should stick with it. We think it's probably in a range of 24 to 28 in the near term. But we do think that if operating margins do increase, they keep the executing, this stock is at 30 to 35 stock in 12 to 18 months.
MATHISEN: Why do you think the stock has not performed for so long?
SMITH: Well, you know, we were investors back in '07, and there's this hangover I think from GE Financial. There's still a stigma on the stock, but we think that's finally going away. You're starting to see that's going to be a less and less important part of the business —
MATHISEN: But GE Financial contributed a lot of the company's profits for a long, long time.
SMITH: No, they did. And if you look at the regulations and everything that's happened in the financial industry, it's not as attractive an industry as it used to be. If you can look at industrials and if you can execute this is a very profitable business with high margins, that's what GE is going after, huge growth them engineering markets and international growth. That's where they want to go.
HERERA: Channing, very quickly, does Mr. Immelt — how long does Mr. Immelt have to execute those changes before Mr. Peltz and his company puts pressure on him to leave?
SMITH: Well, I think if they can continue to execute on their plan, then he has a little bit of life left. If they start to stub their toe, I think that Peltz will probably step in. Look, GE is a tremendous asset, a tremendous brand —
SMITH: And it should have been doing better for the last couple years.
HERERA: Channing Smith with Capital Advisers, thank you very much.
MATHISEN: Trian's Mr. Peltz also went after DuPont, looking to gain seats on the board. He lost that one. But the activist investor didn't do well in that fight earlier this year.
And late today, however, the CEO of DuPont announced her retirement. Ellen Kullman plans to step down from her position on October 16th. DuPont director Edward Breen will assume the role of interim CEO. Shares initially rose on the news in after-hours trading.
HERERA: A deal on the controversial free trade pact has been reached. The United States and 11 other nations have agreed to the Trans Pacific Partnership, which would open new markets to American companies.
Michelle Caruso-Cabrera explains what that deal might mean for the U.S. economy.
MICHELLE CARUSO-CABRERA, NIGHTLY BUSINESS REPORT CORRESPONDENT: In Atlanta today, trade representatives from 12 countries, all of them on either side of the Pacific Ocean, announcing a free trade agreement which will remove tariffs and barriers on nearly all goods and services between the countries involved.
MICHAEL FROMAN, U.S. TRADE CHIEF: After more than five years of intensive negotiations we have come to an agreement that will support jobs, drive sustainable growth, foster inclusive development, and promote innovation across the Asia Pacific region.
CARUSO-CABRERA: If the deal is finally ratified, it will cover 40 percent of the world economy. China is not a member of the agreement. With an economy that is still relatively closed, economists think it would be difficult for them to meet the agreed standards.
The agreement is controversial because it's been negotiated in secret and final details trickled out during the day. It's one of the reasons why Senator Marco Rubio, who is running for president, said today he wanted to read the agreement before he would decide whether or not to vote for it.
SEN. MARCO RUBIO (R-FL), PRESIDENTIAL CANDIDATE: Well, we've got to see the details of it. I'm generally very much in favor of free trade. I explain to people all the time that the United States cannot get locked out of 95 percent of all the world's consumers. I want to look and see how the trade agreement deals, the non-tariff barriers to trade. I'm interested in those sorts of things. But the details of it are what we need to understand.
CARUSO-CABRERA: President Obama is likely to get more support from Republicans than Democrats. Many of whom complain that free trade agreements don't do enough to protect American jobs and hurt labor rights abroad.
U.S. Senator Bernie Sanders, who is running for president, called it a win for Wall Street and big corporations and vowed to do all he could to defeat the agreement.
One of the key sticking point was over a new class of drugs called biologics, which are made from living cells and include cancer drugs like Avastin, for example. Currently in the United States, biologics enjoy exclusivity for 12 years before a competitor can make a generic version. Under this agreement, that exclusivity will fall to eight years, maybe as little as five years.
The Congressional Research Office says it's difficult to measure the economic impact on the United States, but almost all analysis suggests it will add to the U.S. economy, potentially as much as $35 billion annually to U.S. GDP.
They acknowledge it could hurt the U.S. manufacturing sector but could help the U.S. services sector significantly.
For NIGHTLY BUSINESS REPORT, Michelle Caruso-Cabrera.
MATHISEN: The services sector expanded at a slower pace in September, the lowest level in three months. The report from the institute of supply and management suggests that this segment of the economy may not be immune to uncertainty abroad.
Despite the decline, the services sector, which includes things like construction, banking, restaurants has expanded for 68 straight months.
HERERA: No hurry to hike. That's what former Federal Reserve Chairman Ben Bernanke said today about the timing of the Central Bank's first interest rate hike in more than a decade. Bernanke led the Fed during the financial crisis and earlier today, Steve Liesman spoke to him in a rare interview since leaving his post.
STEVE LIESMAN, NIGHTLY BUSINESS REPORT CORRESPONDENT: Former Fed Chairman Ben Bernanke, quiet since he left office about Fed policy at least in public, waded into the great rate debate today in a live television interview to promote his new book. Bernanke made fairly clear his view. He supports the Fed's current easy monetary policy and would appear to be in no hurry to raise rates.
BEN BERNANKE, FORMER FEDERAL RESERVE CHAIRMAN: I would just point to the inflation rate. Even if the Fed had no interest whatsoever in growth and employment, which of course it does, but it has a 2 percent inflation target, it needs to get inflation up to that target. And you know, easy money is justified by the need to get inflation.
LIESMAN: As to why the economy is not firing on all cylinders Bernanke said the lackluster performance is the result of slower productivity growth.
Bernanke's new book "Courage to Act" hit the bookstore shelves today. It's a factual, political, and at times emotional recount of the financial crisis and the extraordinary actions taken by the Fed. He defended the Fed's policy, saying they led to better results for the economy in a slow growth world.
The former Fed chair also recounted some of the more personal recollections including his most fearful moment of the crisis.
BERNANKE: The worst moment I think won't shock you, was the Lehman weekend and the knowledge it was going to fail, and the fear and uncertainty that was associated with that. And then the next couple of days as we had to deal with AIG and talk to Congress —
LIESMAN: What does that mean, though, worst moment for a Fed chair? Does it mean you were worried the economy was going to blow up?
BERNANKE: Yes, I was very worried. I mean, my whole background as an academic was studying the Great Depression, studying financial panics or effects on the economy, and I saw we were, you know, having the granddaddy of all financial panics about to explode on us. And I thought the consequences would be tremendous.
LIESMAN: But Bernanke in the interview and in the book concedes there were things he could have done differently. Among them combating critics with more public appearances and explanations of the Fed's controversial crisis policies.
It's not a stretch to think Bernanke's title "Courage to Act" is an implicit criticism of other parts of government. He's saying he and the Fed had the courage to act to save the economy, enacting unique policies, but other parts of the government, especially Congress, fell down on the job.
For NIGHTLY BUSINESS REPORT, I'm Steve Liesman.
HERERA: Still ahead, how much are you paying to get your cash from an ATM? Probably more than you'd like.
MATHISEN: The Department of Justice has finalized a record settlement with BP, more than $20 billion, biggest pollution penalty in U.S. history. It covers the 2010 "Deepwater Horizon" spill in the Gulf of Mexico. Attorney General Loretta Lynch called the settlement a strong and fitting response to the worst environmental disaster in U.S. history. It resolves all federal and state claims against BP for the accident.
HERERA: The new term of the Supreme Court got under way today, and there are some noteworthy case that's could influence the way business gets done in this country.
Hampton Pearson has more from our nation's capital.
HAMPTON PEARSON, NIGHTLY BUSINESS REPORT CORRESPONDENT: The 2015 Supreme Court term finds big business hoping for favorable decisions from the Roberts court in two high-profile cases that could curb costly class action lawsuits.
RICHARD SAMP, WASHINGTON LEGAL FOUNDATION: There is a feeling I think among some members of the court that the lower federal courts have turned too far in the direction of helping out plaintiffs, and they are wanting to cut back on that.
PEARSON: The most high-profile case involves Tyson Foods (NYSE:TSN). They're looking for the justices to overturn a $5.8 million judgment because they failed some 3,000 employees at a pork processing plant for the time spent putting on and off protective gear.
At issue is just how many of those employees were eligible.
SAMP: In the Tyson case, many of the employees worked nowhere near 40 hours a week, so even if they spent 15 minutes donning and doffing uniforms, they would not have been entitled to overtime pay. Nonetheless, the lower courts lumped all of the Tyson employees into one big group.
PEARSON: Another case involves the Internet search engine Spokeo. It's being sued by a Virginia man for publishing inaccurate information. The individual admits there was no harm, but he still wants to preserve his right to sue.
Mandatory union dues for government workers is at issue in a case involving the California Teachers Association. The union argues they should collect dues from all workers, even those who don't join the union, because all workers benefit from collective bargaining between the unions and government.
ELIZABETH SLATTERY, HERITAGE FOUNDATION: The issue in this case is whether public employees who opt out of joining a union can be forced to pay dues nonetheless that cover the reasonable costs associated with collective bargaining. In the 1970s, the Supreme Court said that this is fine, but in recent years, in two cases, the justices questioned the validity of this 1970s case.
PEARSON: The election year calendar also finds the court dealing with cases involving voting rights, race in college admissions, and religious objections to birth control.
The court's decisions on many politically charged issues will come during the heat of the presidential campaign, with candidates from both parties already making the future makeup of the court a lightning rod issue in the 2016 election.
For NIGHTLY BUSINESS REPORT, I'm Hampton Pearson at the Supreme Court.
HERERA: And the Supreme Court declined to hear an insider trading case which the Department of Justice had hoped would broaden the definition of that crime. The justices gave no reason for turning it down, but by doing so, they keep in plays an appeals court decision making it more difficult to prosecute such cases and possibly undermine a number of convictions.
But U.S. Attorney Preet Bharara told CNBC he thinks the decision will only affect a small subset of cases.
MATHISEN: Twitter today naming co-founder Jack Dorsey as CEO as expected. And that is where we begin tonight's "Market Focus".
As we reported last week, there was speculation Dorsey would be named chief of the social media firm. He has been interim CEO since July when former chief Dick Costolo left the company. Dorsey will also remain the head of Square, a payments start-up he co-founded. Twitter shares up about 7 percent on the news. They close the day at $28.15.
Spark Therapeutics announced a successful stage 3 gene therapy trial that treats night blindness. The company plans to file for approval from the FDA next year for what could become the first gene therapy treatment in the United States. Shares of the biotech firm soaring today 20 percent. They finished at $53.02.
And the health technology firm Illumina (NASDAQ:ILMN) warned investors of lower-than-expected revenue for the third and fourth quarters. The firm blamed disappointing sales in Europe and weakness in Asia and the Asia-Pacific region. That sent shares tumbling in initial after-hours trading. As you see, it fall of the cliff there. During the regular session, the stock was off just a fraction at $163.17.
HERERA: Activist investor Starboard Value increased its stake in the security company Brinks. Starboard is already the company's largest shareholder and hopes to turn around Brinks' poor financial performance. Brinks shares popped about 4.5 percent on the news ending the day at $29.70.
The Container Store announcing earnings and revenue that missed estimates after the close. This as margins narrowed and expenses increased. Shares were initially lower in after-hours trading. During the regular session the stock was up nearly 3 percent to $15.57.
The LA Times is reporting that Lionsgate and Starz are in advanced merger talks. That combination would create another major media company. The two companies reportedly held high level talks for several months, but no deal is certain however. Lionsgate saw its shares pop in initial after-hours trading. During the regular session it was up more than one percent. Starz also rising initially after the close, during the regular session the stock was up 4 percent.
MATHISEN: Well, you may want to think twice if you don't already about using an out-of-network ATM. A Bankrate.com annual survey says the average fee to withdraw money from an ATM that's not affiliated with your bank will cost you a record $4.52. That charge is up 21 percent over five years ago.
Greg McBride, senior financial analyst at Bankrate.com, joins us now to talk more about the study.
What's going on here, Greg? Is it as simple as they're charging it because they can get away with it?
GREG MCBRIDGE, BANKRATE. COM SENIOR FINANCIAL ANALYST: I think that's part of it, Tyler. I think a lot of it too is the fact that people are getting smarter about how they use their money and how they make these cash withdrawals. People are using less cash and when they make their withdrawals, increasingly they're doing so at their own network's ATMs.
So, there are fewer people going outside the network and that cost is being spread to fewer people. I'd see that's a big contributor to these ever escalating fees.
HERERA: So, in the survey, you went to a number of major cities around the country. Let's take a look at the highest average ATM fees. And Atlanta tops the list.
MCBRIDE: Yes, Atlanta would top the list. New York also is in second place, both of them over $5 on average. And what a lot of people don't realize is when you go outside the network you're not just paying one fee, you're paying two. You're going to pay your bank and then you're also going to pay the ATM owner. These figures reflect the combination of those two fees.
So, even if your bank says we won't charge you for going outside the network, it doesn't mean it's a free withdrawal, because you're also going to have to pay that ATM owner.
MATHISEN: The cheapest cities are no bargain. San Francisco at $3.85. Cincinnati at $3.86. All the others are over $4.
But let me ask you this. I don't know you that know the answer to this, Greg. But give me a guess. They're charging $4.65 an average for this. What is their cost for doing one of these transactions? What's their margin?
MCBRIDE: Well, the cost — the cost to your financial institution is probably pretty minimal. They're charging you $1.50, $2, $2.50. I think it's fair to say that it's not costing them anywhere near that deposits —
MATHISEN: Pennies, right? Pennies?
MCBRIDE: In all likelihood. Yes, maybe small coins. The ATM owner on the other hand — I think the policy there has always been the bank's own customers get the access to the ATM for free. So it's the non-customers that pay the freight. And that's one where — that's where we see it go up year in and year out in large part.
MATHISEN: But even to them the cost must be minimal. I mean, they own — Wells Fargo (NYSE:WFC), I'm picking a name. Wells Fargo (NYSE:WFC) charges their customers nothing but they're charging me, a TD Bank customer, $3. Their cost for that transaction is nowhere near $3.
MCBRIDE: It's not the cost of the transaction as it's the overall upkeep of the network, upgrades for the network. All that cost is being borne by non-customers. So, something to keep in mind the next time you're thinking of making an ATM withdrawal, plan ahead so you can use your own bank's ATM and not have to pay these fees at all.
MATHISEN: What can I do? I can avoid all of these, right?
MCBRIDE: Yes, absolutely. The fees are completely avoidable. So, we're not hostage to the higher fees. The first thing is, you know, use your bank's website or their app and find out the location of the nearest in-network ATM. These networks are bigger than ever. So that's easier than ever.
If you're in a pinch for cash and you're using your debit card at the point of sale get cash back that way. That's tantamount to a free withdrawal. And then also consider banks that have broader ATM access. A lot of community banks and credit unions belong to large nationwide networks. You're not necessarily at a disadvantage.
MATHISEN: Always great to see you, Greg. Thank you.
Greg McBride, Bankrate.com.
HERERA: And according to financial data firm SNL financial, the banks with the highest ATM fees are Wells Fargo (NYSE:WFC), Bank of America (NYSE:BAC), JPMorgan (NYSE:JPM) Chase, TD Bank, and PNC Bank (NYSE:PNC).
MATHISEN: Who knew "Saturday Night Live" had a financial arm?
Coming up, planning a trip to Disney (NYSE:DIS). You might want to take a close look at your calendar.
HERERA: Here's a look at what to watch for tomorrow: a report on the trade gap, an important economic indicator. The International Monetary Fund will release its world economic outlook ahead of its annual meetings. PepsiCo and Yum Brands (NYSE:YUM) will report earnings. And that is what to watch on Tuesday.
MATHISEN: Planning a trip to Disney (NYSE:DIS)? Well, the cost could soon depend on when you go, the company considering surge pricing. You pay more on peak days like Saturdays and holidays, less on other times.
Julia Boorstin explains why.
JULIA BOORSTIN, NIGHTLY BUSINESS REPORT CORRESPONDENT: It could cost less to go to Disneyland or Disneyworld in the middle of the week or in the winter and more on the busiest days of the year. For the first time in the 60 years since Disneyland launched, the Magic Kingdom is considering switching to demand-based pricing.
DAVID BANK, RBC CAPITAL MARKETS: The parks are doing so well and operating at such high capacity at this point that they're trying to improve the customer experience by probably redirecting some of the traffic, you know, more evenly throughout the year as opposed to having it concentrated in absolute peak season. And this is the kind of thing they wouldn't be doing if things were going badly. This is the kind of thing I think you do when things are going really well.
BOORSTIN: Disney's been raising prices faster than the rate of inflation over the past several years, but that isn't necessarily enough to deal with massive crowds. Both Disneyland here in California and Walt Disney (NYSE:DIS) World in Florida have seen record attendance each of the past three fiscal years. Plus, the quarter that ended in June.
That means if you wanted to visit a park on a holiday, it could cost far more than the $99 it now costs to visit Disneyland and the $105 to visit Disneyworld. That plus busier parks during the down season could be a big boost to Disney's bottom line.
BANK: I think over time variable pricing is going to have a positive impact on operating income and on revenue. I think largely because it will keep the customer experience as positive as possible for each price range.
BOORSTIN: Disneyland Paris has been offering tiered pricing since last year, with prices ranging from $64 for the low season to $94 for a ticket for any time of year. Disney (NYSE:DIS) tells me there's no official plan to launch variable pricing here in the U.S. yet. It's just something that they're exploring internally and talking to visitors to see how they feel about it.
For NIGHTLY BUSINESS REPORT, I'm Julia Boorstin in Los Angeles.
HERERA: And that does it for NIGHTLY BUSINESS REPORT tonight. I'm Sue Herera. Thanks for joining us.
MATHISEN: And I'm Tyler Mathisen. Thanks from me as well. We'll see you tomorrow.
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