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Families Count Down to Candy with Ghosts, Goblins and Gators at staySky Hotels & Resorts
If you are in Orlando and looking for an experience, look no further. staySky Hotels & Resorts is offering a GHOSTS, GOBLINS AND GATORS package at each of the brand's five Orlando properties. Frighteningly inexpensive rates start at $265 per two night package, now – Oct. 31, for all-suite accommodations to Rest In Peace, a trick-or-treat loot bag and four tickets to Gatorland, the alligator capitol of the world, featuring thrilling reptile shows, an up-close-and-personal alligator petting zoo and exhilarating zip lining.
All centrally located, staySky Hotels & Resorts give guests easy access to other popular attractions during the haunted Halloween season, including Walt Disney World, SeaWorld and Universal Orlando.
staySky Hotels & Resorts Ghosts, Goblins and Gators 2 night Package Rates
Enclave Suites Rates from $293Palisades Resort Rates from $265Hawthorn Suites by Wyndham Universal Rates from $265Hawthorn Suites by Wyndham Lake Buena Vista Rates from $279Lake Buena Vista Resort Village & Spa Rates from $331
The largest of the staySky Hotels & Resorts portfolio, Lake Buena Vista Resort Village & Spa (my favorite) boasts sprawling one, two, three and four-bedroom suites with full kitchens, private balconies and Jacuzzi tubs. Conveniently located on property, guests shop 'til they drop at the resort's 'Lake Buena Vista Factory Stores' offering more than 238,000 sq. ft. of Factory Direct brand name stores, including Nike, Gap and Izod. The resort also offers the full-service Reflections Spa-Salon, zero-entry Pirate's Plunge pool complete with 61-foot long pirate ship with shooting water cannons and water slide, spacious sun deck and Lani's Luau tiki bar, grocery store and Frankie Farrell's Irish Pub and Grille.
Enclave Suites, conveniently located off International Drive, provides every amenity a family desires including multiple bedroom suites, a convenience food court, two oversized outdoor pools as well as the only indoor pool on I-Drive, tennis courts and playground. As one of only two hotels on I-Drive to have rooms with outdoor balconies, Enclave Suites is also within walking distance to Wet 'n Wild and the popular interactive show, Pirate's Dinner Adventure.Offering a diverse portfolio of Orlando properties, staySky Hotels & Resorts feature multi-bedroom suites, all designed to meet the needs of families, groups, meetings and extended-stay visitors. Guests enjoy superior service, fantastic amenities and excellent locations for outstanding value.
To book the GHOSTS, GOBLINS AND GATORS package visit www.staysky.com and visit the packages page..


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Top Articles featured event planning article What to Consider When Booking a Band for Your Wedding Posted by admin Your wedding day is a milestone for you and your fiancé, but also for family and friends. The wedding will be a personal expression of who you are. Your entertainment can literally make or break the party, so you should take special care when considering who to book for your event. Read More
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Vol.1 Issue 36 August 15th. , 2003
Send comments and suggestions. or get more information at firstname.lastname@example.com
QUOTE OF THE WEEK: "Rising interest rates mean an improving economy, which is good for [commercial] real estate, as long as they do not rise too much." Douglas Durst CEO of the Durst Organization, builder of 4 Times Square in NYC, the first "green" skyscraper
ÈSUCCESS SECRETS OF CEOs:
Kay Koplovitz, The founder of USA Networks and the first woman network president in television history.
How do you make your dream business come true? iSophia asks Kay Koplovitz, who became the first female network president in television history, when she founded USA Networks in 1977. In an exclusive interview with iSophia, Ms. Koplovitz gets very specific about building your dream business, from teamwork and networking to raising venture capitalÑwhen to bluff, hold Ôem, fold Ôem and when the best bet is to walk away from the deal.
"Many times the best deal you make is the one you don't make." Kay Koplovitz, 8.4.03
N. Wynne--Lets put a few things in perspective. We live in a completely different world from our grandmothers AND our mothers. 100 years ago women couldnt own property or vote. In the early 1970s, women still owned less than 5% of American businesses. By 1998, however, women owned 9.1 million enterprises, contributed $3.6 trillion to the GNP annually, employed over 27.5 million people, but received less than 1.7% of venture capital funding. In 2002, women owned 49% of American businesses operating in the U.S., generating +$1.15 trillion in sales annually. (source: US Census Bureau). Thats odd, isnt it? How did the GNP levels drop so drastically in only two years?
K. Koplovitz--The U.S. Census Bureau changed the measurement statistics. When the numbers were quoted in my book, they were measuring businesses that were at least 50% owned by women. In the new census, they changed it to 51%. I question that rationale. Why would a business that is owned 50% by a woman be a male-owned business? Because they changed that measurement, it changed the number of businesses and the amount of revenue.
N. Wynne--Has the Springboard venture capital forum, that you launched in 2000, been as effective at getting venture capital to female entrepreneurs as you'd hoped it would be? What percentage of venture capital is going to women-owned businesses today?
K. Koplovitz--The percentage of venture capital currently going to women has risen to about 6%. The total amount of money has dropped, however. In 2000, $100 billion was invested in venture capital. Venture capital investment has dropped rather dramatically to only $25 billion invested last year. But it's the percentage of the amount that we are looking at. The market volume will change with economic conditions. We had a downturn in the economy. The percentage of venture capital going to female entrepreneurs has more than tripled since Springboard began, and since I've been looking at the figures.
N. WynneÑThat success must give you some satisfaction! Let's talk about how venture capital is distributed between early stage, late stage and mid-stage companies. In 2001, according to Venture Economics, the concentration of venture capital went to existing (and presumably successful) companies that were interested in expanding, with only about a quarter of the funds going to early stage companies. Is that true today?
Venture capital funding.
Source: Venture Economics, 2001
K. Koplovitz--The numbers have shifted to later stage companies, with only a very small percentage going to early stage investment. Investors have retreated to safer ground. This last quarter, the second quarter of 2003, is the first quarter of five quarters that we've seen a very slight up-tick in the number of new company investments. Some venture capitalists believe they will make a number of investments in new companies this year. There is a cautionary sign of a pickup. Funds are sitting on a considerable amount of capital that they've not invested. They've purged their portfolio of bad investments or investments that they no longer want to support. They're not sitting with a lot of companies in their portfolio, so they'll start moving to new investments. Biotechnology has probably been the lead in that, although technology and wireless have gotten a considerable amount of attention, also.
N. WynneÑShould entrepreneurs consider moving to Silicon Valley, where most of the venture capital is located?
Concentration of Venture Capital Funding.
K. Koplovitz--No, Silicon Valley was one of the hardest hit sectors of the country in the technology downturn. Silicon Valley still has the largest pool of capital to invest. They still lead, but they no longer dominate. Boston is the number two market for venture capital. Boston has been consistently stronger throughout the downturn.
N. WynneAt least theres hope on the horizon for the commercial real estate developers, who have suffered through such high vacancy rates over the past few years. One of the things highlighted in your book is that the venture capital world is still largely run by white males, with the notable exception of Pat Cloherty, Ann Winblad and Susan Segal. Does this fact have any bearing on the way that female entrepreneurs should approach venture capital funding?
K. Koplovitz--I think we're still in the period of training women to present to venture capital in the terms that VCs are used to dealing with. Not only the language, but also by addressing the important business points that venture capitalists want to know. They want to know the product or service, competition, management team, exit strategy and how close you are to liquidity. In this downturn time, most firms are looking for profitability or breakeven in twelve months. If you're eighteen months from profitability, it's difficult to get financing today, except for biotechnology. It's understood in that category that it's a longer tail to get through research and development, testing and FDA approval, etc. Women should know the fund they're pitching to, which companies that fund likes to invest in, and what stage your company is in, before you spend your time and their time trying to present your business for capital investment. Human capital is still very important. Who introduces you is extremely important.
N. WynneÑOne of my advisors says it's important to get a company out of cash burn before going to venture capital these days. The idea is that if the VCs sense that they can squeeze you into a cash-crunch corner by dragging their feet, they'll do that and buy into your company at fire sale prices.
K. Koplovitz--A profitable company is always more interesting to investors. On the other hand, if you're a profitable company, why do you need the investors? Only if you're looking for capital for growth. It's definitely easier to look for investors if you're a profitable company.
N. Wynne--In your book, Bold Women, Big Ideas: Learning to Play the High Risk Entrepreneurial Game--which I believe is a must-have handbook for any entrepreneur, male or female, who is interested in navigating the world of venture capital--you say that the right venture capitalist can be enormously valuable to a company, in more ways than just ponying up the cash. How does an entrepreneur go about targeting and evaluating the right VC, when most entrepreneurs would dance on the ceiling just to get a meeting or even a telephone conversation with any one of them?
K. Koplovitz--I think the first thing that an entrepreneur should do in searching out potential venture capital investors is to really take a close look at the companies they have invested in, to see what their appetite is for the company that you have. Look at the stages that the firm invests in. See who is on the board of the companies they invest in. See what kind of people are around them. An entrepreneur needs guidance, introductions and experience in the financial market. A venture capitalist can bring business contacts, and also an expertise in your type of business. If you're in wireless, and if you go to a venture capital firm that has one or more partners in that category, they will have experience that will be useful to you. They will also have a network of people to introduce you to. Look at the firm with the question, "Can they help you out?" It's not just about the money. It's about building the business. You've got to focus on building the business. Entrepreneurs fall short on revenue and business development. The true revenue streams aren't always carefully thought out or understood. Therefore it's hard for the business to withstand the market pressures.
N. WynneÑAh! So profitability is back in favor, rather than the cash-burn strategy of capturing market share at any cost? (I can't help but thinking Amazon,com hereÉ)
K. Koplovity--There was a time, in the late 90s, when businesses were fed so much capital. There was a concentration on top line revenue, no matter the cost. A lot of capital disappeared with that economic model. It's not the case that profitability doesn't count. Revenue, relationship to cost, and profitability are extremely valuable to general investments.
(WIN note: Again, we can't help but thinking Amazon,com here. Amazon.com is the most visible brand in the world, but did you know that the company is sitting on a mountain of $2.8 billion in long-term debts and has only had two profitable quarters in over five years of doing business? The Earnings Per Share quarterly growth rate in 2Q 2003 was -267%, according to Money Central. For a debt-free competitor, check out Overstock.com, at OSTK.)
N. WynneÑIs there a time or circumstance when the best decision an entrepreneur can make is to walk away from the offer? What is the value of focusing on friendly funds?
K. Koplovitz--Oh yes. Many times the best deal you make is the one you don't make. That's true of mature and new businesses. You've really got to understand the economic model of your business and what that deal will bring to you in value. If it's not a good value or at least an acceptable value, if the deal does not bring an added value to you, it's not a good deal to make.
I frequently see entrepreneurs make deals because they think that making deals shows progress for the company. Making a bad deal may bring down your company. You may set a bad precedence by making a bad deal. You have to weigh the value to make sure that it fits in the economic model that works. Rarely do models work out exactly as they're planned. There are always modifications. You might give up something for something extraordinary and helpful, but don't sell yourself out for something that might ultimately hurt your business.
N. WynneÑAssuming one of our readers draws the interest and an offer from a venture capital firm, what other offers/deals can she ethically court during due diligence? I'm thinking of the way that you negotiated Warburg and Travelers during the term-sheet negotiations for Broadway Television Network.
K. Koplovitz--I think there's nothing wrong with negotiating with different sources of revenue. You get to a certain point where in order to finish due diligence you have to make a commitment. One thing about the market is to engage in multiple business deals. Business deals don't always get concluded, even when both parties want to do it. I think that's true in investments, as well. You need to talk to different firms, to get a sense of what their assessment of your business is, so that you have an idea of the market for your business from an outside funding source. At some time, you'll sign an exclusivity clause in order to close the deal.
N. Wynne-- What key data and/or statistics do you think are imperative for a great business plan, and how do you write up the revenue and costs of a new business that has yet to prove itself?
K. Koplovitz--There are many places you can go. You can go to business schools to get a business plan template, or to the Ewing Marion Kauffman Foundation, out of Kansas City. The Kauffman Foundation is solely focused on entrepreneurs. There is much value on their web site, as well. (WIN note: Click here or go to: http://www.emkf.org.) Most any major university has business plans available. There are also a variety of different associations, like the National Venture Capital Association and SpringboardEnterprises.Org, that have business plans, as well. There are numerous places you can go.
N. Wynne--Will you talk a little about how entrepreneurs can get their elevator pitch down to a delicious sound byte?
K. Koplovitz--I think trying it out, getting your pitch corrected to the ear, is very important. It's easy to record it, and listen to it yourself. You'll see holes in your own pitch by doing that. There are a number of associations--venture capital associations, and groups in and around universities--where people congregate to listen to their pitches. If you go to a VC forum and hear other pitches, you'll get a pretty good idea of who does it correctly. Springboard Enterprises.Org has a list of various elements of things that should be included, and examples of people who have done it well. IF you want to see some examples, you can see that on Springboard Enterprises.Org. It will give you several examples of people who did sections of the pitch very well. A lot of people get presentation training. A good presentation trainer will help you get the flaws out of your pitch, not only in the material itself, but also in the presentation of the material.
N. Wynne--Let's talk about starting outÑgetting the first loan or seed money. The SBA may be perceived as being friendly to female-owned businesses, but loans aren't given out to any business with less than two years of income returns. Unfortunately, according to research by the Milken Institute in 2000, women are getting only 12% of the debt financing through traditional banks, even though female-owned businesses accounted for 1/3 of GDP. Where does the startup capital come from and what changes are occurring to make the debt financing world more female-friendly?
K. KoplovitzÑThose numbers may have gone up a bit, like 15% today. Female-owned businesses are still woefully undercapitalized, whether it's debt or equity. I think that a lot of women who were rejected in the past from banks, should, however, try again. Twenty-five years ago, unless your husband or your father was signing for you, banks wouldn't talk to you. I think that there are banks that have concentrated units that are looking to fund women and minority-led businesses. Some have made more progress in providing assistance to people who are looking for debt financing. Times are changing. One should inquire at their bank of choice, to see if there is a unit that is dealing with women-owned businesses. At least go there and get their input. Some will give guidance on accountants and lawyers, if your financials aren't in the shape that they need to have. That would be another source of information that would be helpful.
N. WynneÑWhat about credit cards? We hear success stories about entrepreneurs who started their businesses on credit cards, and, of course, we never hear the horror stories.
K. Koplovitz--People are paying very high interest rates on credit cards. Today, you have a bank account yielding less than 1%, and you're paying 16% on credit card money. That doesn't add up. You're not going to be able to borrow money at prime or even prime plus two. Refinancing mortgages has been attractive in more recent months because of the low interest. If you're willing to do that and can do that, maybe you're taking a variable at 4%. That is quality money at a better price than paying on your credit cards at 16-18%, although mortgage refinancing requires you to have something with a mortgage.
N. WynneÑThat's quite a decision, deciding whether or not to put up your home to fund your dream business. Successful entrepreneurs tend to be "whatever it takes" kind of people. Perhaps that's the challenge of entrepreneurialism, to make sure that tenacity and bravery do not spill over into recklessness.
K. KoplovitzÑYes.
N. Wynne--Why does the word networking appear so many times in your book?
K. Koplovitz--You just don't build businesses alone. You really need, not only to attract good people to work for you, even if it's three or thirty or three hundred, but you need also to have a customer base. You need to market yourself. Most of that is done through networking, to get new customers, to get new opportunities to market. It's not all buying ad time. Not all products warrant that. Some are business services. You have to get customers who are satisfied with your service and are willing to speak about that to others. In television and in the movie business, we call it buzz. There is a lot of word of mouth, regardless of the tons of advertising. Word of mouth makes and breaks movies. It's still an example of meeting to spread the word. Networking spreads the word. You have an important product or service, or a customer who is satisfied, or an investor who thinks you're going in the right direction. You have to have the clarion call. You have to be an evangelist for your business. You need to tell everybody you know.
N. Wynne--You say that it's better to own 10% of a $100 million company than 100% of a $1,000,000 company, and a whole lot better than owning a company that has to close up shop for lack of capital. On the other hand, however, when USA Networks sold in 1997 for $4.5 billion, you had zero equity. How did you learn this lesson the hard way? Most people whom I relate that statistic to think that you must have had a bad attorney or executive recruiter. In today's world, stock is handed out so liberally to executives.
K. Koplovitz--People don't understand what 1977 was like. You couldn't finance television properly, much less a cable television network. Venture capital and equity ownership simply didn't exist at the time in cable television. Bob Pittman tried to take MTV public, but no one thought the cable business would amount to anything. That's a short course in history. Executives in the emerging market of cable television got big pay-outs, but equity ownership was a different issue. USA Networks was a privately-held company in a joint venture. You can't even compare the two worlds. That doesn't mean that I didn't earn a lot of money. It just means that I didn't have equity.
N. Wynne--You've launched two companies that have changed the world. USA Networks introduced satellite sports and launched cable into television network programming. Springboard is bringing women into the venture capital arena. What do you see as the future of Broadway Television Network? Will this venture be as big and bold? Will viewers eventually see Chicago, the Broadway production at an IMAX theatre?
K. Koplovitz-- IMAX is a different technology. Broadway TV is bringing Broadway musicals or event TV to the big screen. The multiplex theatres have started to project things other than movies on their screens. They're looking for other ways to utilize their real estate. They're looking at sporting events, Broadway shows, etc. If theatres put more people in the seats, they benefit from the bottom line. If you don't live close to New York City, and if you want to see the real Broadway cast in front of an audience, Broadway Television brings you that experience. It's really spectacular in high definition, Dolby sound and on the big screen, but Broadway Television Networks is only one of my investments.
N. WynneÑTrue. Homeowners, gardeners and investors might be interested in learning more about AgraQuest, a company that makes natural pesticides. This company was one of the first investments made by BoldCap Ventures, Kay Koplovitz's angel capital organization. For more information on AgraQuest, go to www.AgraQuest.com.
Kay Koplovitz is a principal of Koplovitz & Company, a media and investment firm. She is also the Chairman of Broadway Television Networks, and serves on the boards of Instinet and Liz Claiborne. From January 2000 to August 2001, Kay was the CEO for Working Woman Network. As the Chairman of the National Women's Business Council (under President Bill Clinton), Ms. Koplovitz co-founded Springboard.Enterprises.org, a nationwide venture capital forum for female entrepreneurs. Kay Koplovitz became the first female network president in television history, when she founded USA Networks in 1977. Ms. Koplovitz is the author of the entrepreneur's must-have handbook, Bold Women, Big Ideas: Learning to Play the High Risk Entrepreneurial Game.
Live like royalty on a reasonable budget, but never get caught being cheap. Tips on when to penny pinch, where to use coupons and when it pays off to pony up the dough.
The Royal Bargains
El Cheapo No No's. DON'T embarrass yourself by penny pinching in public. It doesn't pay to be cheap on:
È Stock Report Card:
Biotechs are still beating most other stock sectors out of the gate. We've found a few promising geldings (for gamblers), an undervalued champion and a Nutty Professor jockey, for your summer stock consideration.
You know the biotechnology race is on when two out of the eight stocks listed in this week's report card have done 3:2 stock splits recently. You can still get in on the American Pharmaceuticals 3:2 stock split for shareholders, if you're interested in this company, by acting quickly, and buying in by 8.18.03. (This bit of information should not to be confused as a BUY recommendation. Read on!)
Promising, but no guarantees
Many of the companies featured in this week's report card are positioning themselves as the future of genetic based therapies and drugs, namely implanting drugs to the exact right target in the body and then releasing the treatment in recommended dosages over time. APPX, ANPI & ANSI all show great promise, providing their pipeline drugs receive FDA approval and their marketing and distribution agreements are with experienced partners. Durect Corporation and Guilford Pharmaceuticals, both of which are operating under negative earnings, have had debt and operating pressures on the plate, but, with new capital in place, have management promising to refocus on product development and FDA filings. Guilford appears to have a winner in DOPASCAN, a Parkinson's Disease drug that is poised be approved in Europe and Japan soon. Additionally, Guilford's most recent earnings report was better than expected. Still Guilford has the highest debt/equity ratio on the stock report card.
The SEC has been very aggressive lately, reviewing pricing practices of major players, like Johnson and Johnson and King Pharmaceuticals. Additionally, governmental agencies are monitoring Medicare reimbursements with an eagle's eye. Institutional holdings decreased last week in Advanced Neuromodulation Systems, Inc, even though the company had just adjusted their earnings guidance upward, based upon worries that reimbursement rate cuts will stunt future earnings growth. The heat on targeted biotechnology and pharmaceutical companies may present a buying opportunity, if you believe in the products and the management and time your entry just right. Management counts! Otherwise, you could end up with a HealthSouth fiasco. Perrigo beats the numbers game over all of these young stallions, as being best value, with established outperform potential. This isn't a sure shot, however. Earlier this year, Perrigo warned that the competition in the generic marketplace is so fierce their earnings in 2003 may be flat. If Perrigo proceeds with their plans to sell an over-the-counter generic of Claritin in 3Q, however, better news for earnings and share price could be in the cards. Remember, however, that stocks are often more of a popularity contest than a strict numbers game. If any one of the more high-risk stallions (listed above) scores with an FDA approval, the long shot odds stand to bring much higher, swifter gains for investors, than the more generic companies, like Perrigo, which have less WOW factor.
While scanning the net for unique biotechs, I found a rather oddball, nutty professor-type company--Spherix. Spherix is strictly biotechnology for commercial applications. Instead of cancer cures, these scientists have found (and patented) Naturlose, a low-fat sweetener that doesnt cause tooth decay. Pepsico is testing Spherix new low-cal sweetener, according to a recent Spherix press release. The FDA approved the sweetener years ago, but Spherix has just now worked out its manufacturing, distribution and royalty snags, and, thus, may be on target to bring in some seriously sweet revenue. Last week, another Spherix product, a longer-lasting fragrance compound won a patent. Fragrance companies have, reportedly, expressed interest. The founder of Spherix and his wife recently canceled their plans to sell shares, according to a company-issued press release. This company may, at long last, be on a roll, or at least a doughnut. Imagine Krispy Kreme doughnuts that dont rot your teeth!
Since FDA approval is merely the first hurdle in a series of manufacturing and marketing challenges for any new drug (a process which can take a number of years), companies that are hoping for their billion-dollar bonanza can be highly volatile investments. (Think of ImClone, which has yoyoed in share price from five bucks to forty bucks in just a year.) For the savvy investor, volatile stocks are profit-taking opportunities, as easy as buying in at the low, and waiting for favorable headlines to inflate the price. Trading around the core has been a profitable strategy for many biotech stocks over the last few years, including the reputable, well-established Genentech (DNA). If you're looking for long-term investments, remember that the cutting-edge companies are long shots with as much high risk of loss, as there is potential for high gains. Click here for this week's Pharmaceuticals Stock Report Card.
As a bonus this week, to help investors decide which biotechs to add to their portfolio, iSophia is including an updated Biotechnology Report Card from issue #34. Established giants, like Johnson and Johnson and Bristol-Myer Squibb, are still navigating through public problems that have adversely affected their share price. Johnson and Johnson is currently embroiled in a controversy over stent-related fatalities and an SEC investigation, while Bristol-Myer Squibb went through a year and a half of restated earnings, SEC scandals and the FDA rejection of ImClone's Erbitux application. Bristol-Myer Squibb may be making more positive headlines in the near future, however. With the ImClone executive suite in disarray (chairman and CMO positions were recently vacated and Harlan Waksal is no longer on the team), analysts have speculated whether BMY will take over ImClone completely. Erbitux continues to dominate headlines, and is expected to get European approval this year, as well as a new FDA filing. Johnson and Johnson rates highly among money managers for strong management and stability. Click here for this week's Biotechnology Stock Report Card.
WINsider TradingÉ
A key factor that should be considered before any investment is "word on the street." If you, or someone you know personally and trust their opinion, swears by the product, odds are there are others out there who will benefit and buy. Do you have personal experience with any products of the biotechnology and pharmaceutical companies? iSophia wants to hear from you!! Join us for a biotechnology chat session next Wednesday morning, August 20th, at 9:15 a.m. PST.
How does personal experience pay off? You're more likely to watch a stock with a product that you swear by, which means you'll stay abreast of the news, the share price and your returns. In stocks, the watched pot does boil, and you want to be there in time to take in all the bubbles before they pop! If you're off doing other things, all of the returns might disappear into thin air before you get a chance to cash them out.
Other questions to think about before the biotechnology chat next Wednesday morning? Are doctors aware of the benefits of the implanted pain medications? Have the companies been successful in getting the word out on the efficacy of their products?
For even more information on the biotechnology sector, check out WIN e-zine #34, an issue entirely devoted to biotechnology, with particular focus on the companies with gene-based cancer therapies, many of which have recently won fast-track FDA approval.
Please note: the NataliePace.com does not act or operate like a broker. We are a media and information center. This article is intended to educate and inform individual investors, and, thus, to give investors a competitive edge in their personal decision-making. ALWAYS do your research and/or consult an experienced, reputable financial professional before buying or selling any stock. Full disclosure: N. W. Pace does not currently own stock in any of the companies listed in this article.
È Girl's Guide to the Market: How to Create a Portfolio With Pocket Change.
In the past eighteen months, while so many investors were hiding from the bear market, the WIN, Power of Ten investment club in Santa Monica has doubled their portfolio. These bold friends meet monthly, pool $100 each, and now have over $28,000! Discover how they overcame their financial phobia.
1: I don't have enough money to invest! Doesn't it take a certain amount of money to open a brokerage account?
Most brokers do require a minimum to open the account. (T.D. Waterhouse's minimum is less than Goldman Sachs'.) If you don't have a thousand dollars (or don't want to start by investing a thousand dollars) consider joining (or starting) an investment club. By pooling your money with your friends, the minimum requirement shouldn't be a problem. $100 each from ten friends equals $1,000 to invest each month. Learn on the job, while your money does all of the work for you! (Hey, if $100 is too much per month. It's your investment club. You set the monthly dues.)
2: I would start an investment club IF I had the extra time and money.
Who really has extra time and money? How about having a great excuse to get together with your friends once a month? Why not set your club dues at the amount of money you would BLOW on a night. Then you really don't need extra time or money. Ten members pitching in $100/each would have $1000 to invest each month, and $12,000 invested by the end of the year! Ten members pitching in $25/each would have $1000 to invest in only four months, and $3,000 to invest each year! A little $$ here, a little $$ thereÉ pretty soon your club has a real portfolio! The WIN, Power of Ten investment club started in January of 2002, and has DOUBLED the value of their investment in less than two years. Not a bad summer's resolutionÑto start building a portfolio, worth almost $30,000, from scratch.
3: Am I the only guy reading the iSophia online magazine?
Nope. From our statistics, at least a third of our readers are male. Who wouldn't want to read iSophia's exclusive interviews with Steve Forbes and Kay Koplovitz, or with rising star executives, like Rick and Phil Smith, of Taser International? Our reputation for finding the young mavericks of an industry is becoming very established as well. (Did you know that if you'd bought stock in the featured CEO's publicly traded company when we featured them, your portfolio would be up 67% today?) iSophia: Smart enough for a woman, but guys can get some action, too.
4: Aren't there some legal forms to file? Is it going to cost me an arm and a leg just to get started?
Opening a brokerage account is FREE, and is as easy as writing a check and signing documents. Starting an investment club is almost just as easy, when you purchase the iSophia Investment Club Start-up Kit. iSophia's investment club startup kit gives you everything from a sample member contract, to all the facts and instructions you'll need to get going. Start-up kits are just five bucks per person (if your club has ten members), at $49.99.
5: I don't have time to research all this stuff.
Who does? That is why the iSophia network does the Stock Report Card for you twice each month. Don't do the research, just read the research. The rest of the time, kick back, relax and apply your profit-maximizing strategies. If you have a company that you're interested in, you can email us with as much information as you know about the company, including any personal experience that you've had. We'll stick the company in an upcoming Stock Report Card with its competition. Yes, we'll do the work for you! It's called multi-tasking and networking, and it really works! If you haven't already signed up for iSophia, the monthly subscription rate is just $4.50. Get two months free, if you sign up for a year. Call 310.399.0497 or email email@example.com NOW!
6: What if I lose all my money?
All investments, outside of cash, are risky, but the educated individual is more likely to achieve greater gains than the novice. The odds of greater returns improve statistically for investment clubs over individual investors (probably as a result of people actively working their investments and sharing their knowledge). Analyst recommendations are, statistically, a losing strategy. According to a study conducted by Stanford and UCLA in 2000, investors lost 30% by trading on analyst recommendation. Thats why iSophia was foundedto provide an enjoyable, easy forum for investors to network and educate themselves about making wise investment choices. If you really want to make more educated investment choices, be sure to sign up for Investors Boot Camp, a two and a half hour hands-on training that will change the way you invest for life. See this weeks CALENDAR OF EVENTS for the next seminar, to be held in Los Angeles on September 18, 2003.
1.Diversify your portfolio into a number of stocks in different sectors, but don't try to hold more stocks than you can manage.
2. Keep cash on hand to get you through the low periods, so when stocks (or other investments) dip you don't have to liquidate at a loss. (Trimming losses is a strategy, but you don't want to be forced to do it.)
3. Diversify your investments into real estate, stocks, bonds and liquid-friendly money market accounts. Holding all your money in one sector leaves you very vulnerable. Natural disasters can wipe out real estate gains in a heartbeat. Recessions can sink stock market gains in a season. Savings accounts offer less risk, but almost no return today. Don't underestimate the value of liquidity! Cash can save the day!
7. My broker's last hot tip was HealthSouth! Aren't all brokers morons?
Relying on any ONE piece of information to evaluate investments is not a smart, or successful strategy. Trading solely on HOT TIPS from brokers or investor bulletin boards can often simply be chasing after profits that prescient investors are ready to cash in. Think of investments as a Mosaic. The more tiles of information that you have about any investment, the more complete picture you'll see. Don't trust brokers blindly. Brokers are salespeople, who work on commission. It's the entry-level position in the field. Most of a broker's time is spent selling products to clients like you, and taking deposits and orders, not in researching the companies. Most are told what to recommend by their company.
8: I just don't know enough about investing!
Learn! Start educating yourself. What are you waiting for? Come to an Investor's Boot Camp seminar. Sign up for iSophia's investment network. Start receiving our bimonthly e-zine. Join us for our Wednesday Morning online Chats with Industry Professionals. At least you'll discover that adult P/E isn't a place with smelly socks and communal showers.
9. Taxes have got to be a nightmare! More forms to fill out and numbers to crunch! ACCCKKK!!
Who wouldn't want the headache of keeping track of PROFITS!! Relax. iSophia software does the math for you (for just $19.99). Keeping track of FREE MONEY is much easier than working!! FYI: If you do not sell any stocks in a given calendar year, there will not be any capital gains or losses to declare, and no taxes to pay. To avoid penalty, however, always file your annual tax return on time, even when you are not reporting capital gains.
A. Your investment club will be required to file a tax return annually, which is due on the April 15 deadline. THERE IS A STIFF PENALTY FOR FILING LATE! The IRS charges $50 per partner per month for not filing a corporate tax return by the April 15 deadline. OUCH!
B. The partnership tax return is filed on Form 1065. Typically, the profits or losses will be distributed proportionately among each individual partner, with the appropriate percentage of taxes to be paid by each partner. Remember to declare any expenses associated with the investment, including the cost of hiring an accountant to file the return, broker fees, etc.
10. What if I don't like my partners? Can we kick someone out of the club without a lawsuit?
The Sample Membership Agreement provided in the iSophia investment club start-up kit covers what to do when a member wants to (or has to) leave. Our best advice is that you start or join a group with people whom you like and respect, and that everyone is clear on the club rules. Believe it or not, making money with partners can be a lot of FUN, and you can use the lessons and information to enhance your own portfolio!!
È Psyching up for Prosperity.
Why Affirmations are the First step to Improving Your Fiscal HealthÉ By Chellie Campbell, author of The Wealthy Spirit
"Chellie, an editor is interested in your book!" my agent, Lisa, exclaimed happily. "I sent her a bunch of proposals, and she returned all of them to me except for yours! Now she wants to talk to you."
My heart was thumping and my breath came fast. This could be the break we'd been waiting for. Lisa and I had been working together to find a publisher for my book, The Wealthy Spirit, for over a year, through endless rounds of interest, rejections, almost-deals, and deals that fell through.
"Deb likes your book, but has some changes to suggest," Lisa went on. "Here's her number. Good luck!"
I tried to calm down, and dialed Deb's number. We introduced ourselves and chatted pleasantly for a few minutes. Then I asked the fateful question, "What about the book do you feel needs to be changed?"
"Well, first of all," Deb replied, "We've got to take all the affirmations out of this book."
My heart sank like a stone. There was no way I could take the affirmations out of my bookÑthey are critical in helping people think more positively about money. I believe that what we focus on expands, and most people focus on money in a negative way. The average person has 60,000 thoughts every day, and most of what they're thinking about money is depressing: "The rich get richer and the poor get poorer." "Money is the root of all evil." "There's never enough money." Daily doses of "I can't afford it." You have to actively change the way you think about money in order to have more abundance flow into your life, and that means repeating positive statements about money every day in order to replace those old, negative thoughts.
So, thinking this deal was never going to happen, I quietly asked Deb, "Why do you think the affirmations should be taken out?"
"Chellie, affirmations are old news," she stated flatly. "There are 97 books on affirmations out there. I can't go to my forty salespeople and say we're doing another affirmation book. This has already been done."
"So you think everyone already knows about affirmations?" I asked.
"Yes!" she replied.
"Then let me ask you a question," I said, "Are you doing them?"
There was silence on the phone for a minute. I elaborated, "Positive statements, out loud to yourself every morning, about money specificallyÑare you doing them?"
"Well, no, I'm not," she admitted.
"That's my point," I said, "People know about affirmations, but they're not doing them. Just knowing about them doesn't do any good. Listen, why don't you test them? I'll give you my list of favorite affirmations. Say them out loud while looking at yourself in the mirror every day for the next 21 days. Then we'll talk again in three weeks."
Deb agreed. Three weeks later, she was on the phone saying excitedly, "Chellie, this is amazing! I'm getting unexpected money in the mail. People are paying me back loans I had forgotten they owed me, and I'm getting bigger and better book deals!"
I asked, "So, can the affirmations stay in the book now?"
She answered, "Absolutely yes!"
And that's why the book was published with the subtitle, "Daily Affirmations for Financial Stress Reduction".
Here is the list I gave Deb that day. Why don't you give it the 21-day test yourself and see what happens?
Affirmations About Wealth & Financial Freedom
Wishing you peace, prosperity, happiness, and abundance in all things. You deserve it!
Chellie Campbell is the author of The Wealthy Spirit: Daily Affirmations for Financial Stress Reduction, selected as one of Dr. Laura's book recommendations in March, 2003. She created and teaches the Financial Stress Reduction® Workshops, on which her book is based, in the Los Angeles area, and gives programs throughout the country. Her free e-newsletter is available at www.thewealthyspirit.com.
È Institutional Investments can Drive a Stock up or Drag it Down.
Check out the Top 10 institutional picks and pans of the week. (source: www.MoneyCentral.msn.com)
Wave Systems Corp. (WAVX)
Sima Therapeutics, Inc. (RNAI)
Corautus Genetics Inc. (CAQ)
Qiao Xing Unversal Telephone (XING)
Immersion Corporation (IMMR)
Aksys, Ltd
TASER International, Inc.
HealthTronics Surgical (HTRN)
Measurement Specialties (MSS)
InterDigital Communications Corp.
IGEN International, Inc.
Pinnacle Systems, Inc.
SangStat Medical Corporation (SANG)
Constar International, Inc.
Apogee Technology, Inc.
Cryolife, Inc. (CRY)
Brightpoint, Inc. (CELL)
Westell Technologies, Inc. (WSTL)
Openwave Systems, Inc.
ChipPAC, Inc. (CHPC)
È WINsider CALENDAR:
Investor's Boot Camp. Wednesday morning chat with financial guru, Chellie Campbell plus bonus member chat on the HOT BIOTEC SECTOR. A Great Balls of Fire gala event to protect our nation's men from one of the most deadly killers on the planet todayÑprostate cancer.
CALENDAR RECAP: (See below for more details on each event.)
1. Wednesday Chat with Chellie Campbell. 8.20.03 at 8:45 a.m. PST. Biotechnology chat session immediately following, at 9:15 a.m. PST.
2. Investors Boot Camp with iSophia founder, N.Wynne Pace, on Thursday, September 18, 2003 in Los Angeles, California. Register at www.learningannex.com or call 310.478.6677. Receive $5.00 off for registering online. For more information on N.W. Pace, call 310.399.0497 or email firstname.lastname@example.com.
3. Great Balls of Fire gala to benefit prostate cancer research. Saturday, September 6, 2003 @ 6:30 p.m. at the Wilshire Grand, downtown Los Angeles. Event sponsor: Sirens Society. They will be auctioning off firemen, among other priceless treasures, at this event. Call 323.549.5319 or go to: firstname.lastname@example.com.
1. Wednesday Chat with Chellie Campbell. 8.20.03 at 8:45 a.m. PST. Biotechnology chat session immediately following, at 9:15 a.m. PST. Are you stuck in a financial rut? Would you have enough money, if the month only ended on the 20th? Chellie is a master at creating financial success stories and at financial stress reduction. Learn the secrets behind her six principles of success, and why you want to swim with dolphins, while steering clear of sharks AND TUNA. Biotechnology chat session immediately following Chellie Campbell, Wednesday, 8.20.03, at 9:15 a.m. PST. Once you have the numbers, you still need the word on the street. If you, or someone you know personally and trust their opinion, swears by the product, odds are there are others out there who will benefit and buy. Do you have personal experience with any products of the hot biotechnology and pharmaceutical companies? iSophia wants to hear from you!! Lets network, brainstorm and share our information! Directions:
2. Millionaire Training Camp with iSophia founder, N.Wynne Pace on Thursday, September 18, 2003.
Peter Lynch and Warren Buffett. Yes, they have investing secrets. You should know them. At Investors Boot Camp, you will learn and practice:
"Her investment style and the Member Mosaic are exciting concepts that, if used properly, help individual investors better discern the health of large corporations." Gary Kennedy, entrepreneur, former president of Oracle USA.
N. Wynne Pace is a successful investor with a trademarked market philosophy. She beat the market three years running, and has been interviewed by Diane Sawyer on Good Morning America, in Time magazine, More magazine and USA Today. Contact email@example.com or 310.399.0497. <P>
To enroll in the September 18th seminar NOW, call 310.478.6677 or register online and receive $5.00 off. Click here to register NOW or go to www.learningannex.com. Click on Los Angeles. Scroll down to August 13th. Click on "Financial Planning for Women," with N. Wynne Pace and register! (Men are welcome, too!) If you have any problem registering, please call 310.399.0497 or email email@example.com.
For more information on N.W. Pace, call 310.399.0497 or email email@example.com.
The Wilshire Grand, Downtown LA's premier event hotel. 930 Wilshire Boulevard, Los Angeles, CA 90017
Live auction of LA.s finest Firemen, 97.1.s Frank Krammer as our MC, Cirque du Soleil (former) acrobats & Legendaire, Fire eating performers, Live music & Entertainment featuring The Birthday Suits and Sons of Ben, Delicious food & Hot goodie bag & LOTS MORE!!
Tickets, $100 /guest CONTACT: The Sirens Society, 323.549.5319 www.sirenssociety.org or mail check with name and guest info to: 8023 Beverly Blvd #5-455 Los Angeles, CA 90048
For more information on the Great Balls of Fire event, click here. (Adobe Acrobat Required)
4. Wednesdays Worldwide ON-LINE CHAT on September 3, 2003 is with the CEO of the Prostate Cancer Foundation, at 8:45 a.m. PST. One in six men will get prostate cancer! This on-line chat is a MUST for anyone who loves men and wants to keep them healthy, and for investors who are interested in the RED HOT BIOTEC sector! There are lots of DNA-based drugs on the market, many of which are in line for fast-track FDA approval. Go to www.NataliePace.com on Wednesday, September 3, 2003, from 8:40-9:15 a.m. PST. Ask your candid questions of Leslie D. Michelson, the CEO and Vice Chairman of the Prostate Cancer Foundation, who has 25 years in the medical industry. For this important chat, we are opening up our chat room to all interested persons. Use the following passwords: - User Name: Cancer - Password: Cure For more information on The Prostate Cancer Foundation, go to: www.capcure.org
È Companies in the NewsÉ News highlights, as reported by the most respected sources in the world. Alphabetized for easy reference. October 7, 2003 is the date of the California Recall Election!! AT&T. With WorldCom barred from new government contracts and Sprint in danger of being blocked from government contracts, due to overcharging the Justice Department to the tune of $2 million, good ole Ma Bell may be the favored company in the Presidential suite. According to Kudlow and Cramer (on 7.31.03), Worldcoms existing billion-dollar government contracts will not be affected by the ruling. Bennett Environmental, an eco-friendly energy company that cleans up contaminated soil by burning the crap out of it (literally) has been named to Forbes Top Ten Stocks for Summer 2003. Sales doubled in the 2Q to $13.4 million, while earnings increased threefold, from $1.1 million in 1Q to $3 million. There is a slight snag in the fairy tale, however. Certain citizens of New Brunswick, where Bennett is building a new incinerator to keep up with overwhelming demand, arent sure the process is healthy. A public information meeting is being held on August 21 by the Canadian Department of Health and Wellness, and Bennett reps will be on hand to answer the locals questions. Coach splits in two. The largest seller of luxury leather goods is planning a 2:1 stock split for shareholders on record as of September 17, payable October 1. Shares have risen 58% this year. The split gives Coach 183 million shares outstanding. 4Q earnings were up 73%, and the company has raised their sales and profit forecasts. (Bloomberg News 8.8.03) Costco has warned that 4Q earnings will fall to as low as 46 cents a share, from 52 cents last year, due to high costs of health care benefits, workers compensation and customer service. So far, the increased operations costs havent resulted in higher prices for consumers. (Bloomberg News 8.6.03) Gaps earnings more than tripled in July, a time when most retailers saw a rise in sales. Wal-Mart, Target, Gap, Costco, J.C. Penney, TJX, Kohls, Limited, Nordstrom, Neiman Marcus and Saks all reported better than expected sales, up 2-9% from this time last year. Which two companies did not benefit from the buying spree? Sears, Roebuck and Federated Department stores. (Bloomberg News 8.8.03) Gateway takes a bite off the Apple. Gateway announced that it would begin selling portable digital music players. The 128 megabyte version, in MP3 format, will go for $130, and is available immediately. The 256-megabyte version will be available on August 14 for $170. Get this. The unit is the size of a pack of chewing gum, and connects to computers with a USB port. (AP 8.6.03) InterActiveCorp (formerly USA Interactive), the Internet titan that owns Hotels.com, Expedia, Match.com, Ticketmaster and the QVC, earned $111.8 million in the last quarter, up from $25.4 million last year, same quarter. Revenue increased 38%, to $1.53 billion. Expedia alone saw a revenue jump of 71%, to $247.5 million from $144.9 million a year ago. (Expedias earnings stomped all over analyst recommendations.) So whats the problem? Too much cash on hand! CEO Barry Diller plans to do something about it quickly, however, and is looking at billion dollar acquisitions, stock buy-backs and/or special dividends. The future looks even brighter for online sales. According to Forrester Research, sales over the Internet will more than double, to $229.9 billion by 2008. Domestic shoppers will spend almost $96 billion on Internet purchases this year. (NYT 8.6.03) Jet Blue. A year ago, you were lucky to get a bad turkey sandwich on stale bread, if you could grab one from the kiosk before the other desperate Jet Blue passengers, who just realized that they had to bring their own food, snatched up every sandwich in the terminal. Now you have multiple food choices, including sushi, to carry on board. Hows business for Jet Blue? Every flight Ive taken from Long Beach to NYC, and Ive taken almost one per month for a year and a half, has been full. The company is operating in the black, in under less than a year on the market. Can you spell visible expansion and increased market share! (NWP & Money Central.msn 8.12.03) Johnson & Johnson is under scrutiny in Congress for bundling sales of hospital supplies, and having trouble in the medical community for fatalities that have been reportedly caused by surgeons using the wrong size of stent. Shares are trading near the 52-week low, at $51.00. Merck is spinning off Medco Health Solutions. Trading for Medco will begin on Friday, August 19th, under the symbol MHS. Why wasnt there a Medco IPO? Lackluster investor interest Meanwhile Merck is cooperating with the SEC who is investigating their pricing practices. (Bloomberg News 8.6.03) Opsware. Marc Andreessens new company (founder of Netscape), an iSophia featured company in 2002, has gotten on the radar of institutional investors. Institutional investment shot up to 12.1% on 8.12.03. Money Central rates the stock undervalued, when comparing P/E to growth. With 17.10 P/E and a price of $5.00, Opsware is the leader in a breakout industry of data center automation software. Theyve got a licensing agreement for their products with Electronic Data Systems, the largest IT full-service manager of Fortune 1000 companies. OPSWs 2Q earnings report will be released on 8.21.2003, after markets close. (Money Central.msn.com 8.12.03) Web-MD shareholders will be voting to increase the number of shares from 300 million to 900 million on 9.12.03. The company is not confirming any acquisition plans, but expert analysts predict WEB-MD is positioning itself for a substantial acquisition. (Bloomberg News 8.8.03) XM Satellite Radio Holdings (XMSR) reported a deeper hole for 2Q, losing $161.9 million during that period. Costs were mainly related to the cost of bringing in new customers. The ploy worked. Sales were up 4X, to $18.3 million, and XMSR added 209,178 subscribers, for a total of 692,253 subscribers to date. Compared to a cash burn of $161 million per quarter, however, only 700,000 subscribers and their $12 monthly rate seem like chicken feed. Investors didnt seem to care, however. XMSR continues to trade near its 52-week high, with over a billion in market capitalization and 56.6% institutional investor presence. (Bloomberg News 8.8.03)
VISION: To build a global community of investors through seminars, a world-wide web-site and, ultimately, television. GOAL: Working change: To promote successful investing and ethics in business. MISSION: To build a global investment community by providing easy access to important financial news, by promoting a dialogue between members and industry professionals and by promoting ethical business practices, products and services. PHILOSOPHY: The W.I.N. philosophy centers around five principles: Ongoing Education, Monthly Commitment, Diversified Portfolio, Ethical Business Practices, Pooled Resources. For more information on W.I.N. contact us at firstname.lastname@example.com
NOTICE: The NataliePace.com is NOT a stock brokerage service, and does not operate or act as one.


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Tina Christensen vinyl signs
Brantford, Ontario, Canada
Have worked for 20 years in printing industry, now have started my own vinyl decal and sign business. Love to paint and do digital art. Went to Mohawk College for two year course in Graphic design.
Use AdobeCS3 on a Macbook. Have lots of fun creating unique vector art for Screen printed tees too. Glad I went back to school to learn computers.


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Article Preview
WOULD HOLD VENICE AT ANY SACRIFICE; Whitney Warren Says Italian Patriots Prefer Destruction to Surrender. PIAVE DEFENSE IMPERATIVE He Exhorts Allies to Recognize the Disaster Involved in a Renewal of the Invasion. Imperative to Hold the Piave Would Defend Venice at All Costs.
Special Cable to THE NEW YORK TIMES. ();
January 08, 1918,
, Section , Page 2, Column , words
PARIS, Jan. 7.--The third and last article by Whitney Warren on Italian conditions appears in today's issue of L. Homme Libre. It deals with the military situation, and reads as follows:


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Tag Heuer has just unveiled their second Android-powered smartphone, called the Racer, set for an July 2012 release. This phone combines the latest smartphone tech with state-of-the-art F1 racing construction. The result is an ultra-durable, high-powered, supercar-styled smartphone, with a matching $3,700 price tag.
Not all the details are available yet, but here is what the team at Tag Heuer has revealed. For tech specs, an 1 GHz processor, 256MB of internal storage with an SD slot for expandable memory. A 5MP rear camera and VGA front-facing camera is expected, with a high-rez 3.5 inch touchscreen display. the Racer is expected to run on the Android Ice Cream Sandwich OS, but with an custom Tag Heuer interface. The customizable interface will be presented in an Tag Heuer-stylized 3D format, with a signature Tag Heuer animated clock widget.
Related Post: Ulysse Nardin Chairman- Most Expensive Android Smartphone
Now the true highlight is the construction of the Racer. Like with luxury watches of today, this Android smart phone is built with the same high-end materials found in modern luxury and sports cars. Grade 2 titanium, surgical-grade stainless steel, carbon fiber, black PVD and nano-coated rubber are used. This creates an highly rigid phone and shock proof phone, with a high strength-to-weight ratio like high-end cars aim to achieve. And while that may seem overkill for a phone, a big benefit is these materials also give it the same fit and finish of an high-end car. So besides its high performing construction benefits, it looks and feels like it does in your hand. There are two models shown, one showing off an carbon fiber back plate, the other with an titanium back plate.
Check out the teaser video below from Tag Heuer for the upcoming Racer smartphone:
For more new Tag Heuer posts, check out:


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The Association of Research Libraries (ARL) and the Chief Officers of State Library Agencies (COSLA) retained Ithaka S+R to propose a comprehensive framework for the Federal Depository Library Program ("FDLP" or the "Program") in response to changes in the environment for information dissemination and usage. For this project, Ithaka S+R staff interviewed nearly 90 individuals from 40 libraries, the Government Printing Office (GPO), and a number of other key organizations.
Home›Focus Areas›Planning & Visioning›Balanced Scorecard
News about Balanced Scorecard
- Fifteen articles about a range
ARL has issued a call for participation in the third Balanced Scorecard (BSC) Initiative cohort. ...
ARL has released a YouTube video of the Balanced Scorecard Webcast, held ...
Publications on Balanced Scorecard
- on December 18, 2012
- on March 11, 2012
Want ARL news in your inbox?


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Ispirer Systems Ltd. has been successfully working in the field of database migration for about ten years. During this time our team helped more than 500 companies in achieving their conversion goals and completing their migration requirements. We've been able to assist to companies of all sizes, from different industries, from all over the world. Our team implemented migration solutions in such industries as Financial Services and Insurance, Information Technology, Telecommunications, Transportation, Energy and Manufacturing, Consumer and Retail, Health Care, Education, etc.
Here is a partial list of companies that use our software and services.
"Epicor has engaged with the Ispirer team to create and refine prototype techniques for migrating certain parts of the Epicor Progress ABL code to well performing C# code using the SQLWays migration tool. We have found the Ispirer team to be knowledgeable and responsive and we have found the tooling to be flexible enough to be easily adapted to our coding conventions. I would be happy to recommend the team and SQLWays tooling for any project involving migration of code between platforms."
Erik Johnson, VP, Technical Strategy, Epicor


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AJG International is delighted to enter the PII market with QBE Insurance (Europe) Limited to offer professional indemnity insurance to firms who put risk management at the heart of their business.
We are delighted to now be able to offer the benefits of the Gallagher / QBE partnership to Irish Solicitors.
Participation in our facility is available to all firms that meet our risk selection criteria, and is available exclusively through Gallagher for firms with up to four partners.
Read more about Gallagher Solicitor First and how you can apply for a quotation from QBE Inusrnace (Europe) Limited.


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WOW, I read at a rate that is 1% lower than average! Same with retention. Here is the test.
Thoughts from NEMO
Wednesday, March 21, 2012
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La Sierra skate park brings light to financial struggles
Skateboarding, music and food was the highlight this past Saturday at the La Sierra Community Center. A music fundraiser was being held at the La Sierra Skate Park, looking to raise money to help keep the park open.
With the ongoing financial struggles throughout the city, including the skate park, it's essential that fundraisers be held.
Elizabeth Crisante, Recreation Supervisor for the La Sierra Community Center, is adamant on doing what needs to be done to keep the skate park open.
"The skate park was actually slated to close July 2011 due to budget cuts," explained Crisante. "But with donations from local businesses and the implementation of some revenue producing ideas, we were able to keep the park open on a modified schedule during the school year."
A music fundraiser is just one of the events that the skate park holds to help bring not only donations to the park, but also awareness that the park is not self-sufficient and that the help of the community is always needed.
The bands that participated in the fundraiser on Saturday were local Sacramento artists including: Adrian Bourgeois, Isaac Bear and Genrenaut. The music was a mixture of pop and rock and was a great addition to the fundraiser.
Adrian Bourgeois, local pop artist, enjoys playing for fundraisers like these to help spread the awareness of a good cause.
"That's kind of the main reason I do music," explained Bourgeois. "I think it's a great way of illuminating certain causes and I think concerts to benefit various events can be a really powerful tool."
From keeping kids off the streets to staying active, the La Sierra Skate Park enables young skaters the ability to do what they love the most in a safe environment.
Bobby Kerr, the Recreation Coordinator for the skate park, has passion for doing what needs to be done to make sure the park stays open.
A skateboarder and musician, Kerr is motivated in making sure that the youth in the area will have a safe and fun place to skateboard.
"This is what I want to do," explained Kerr. "I've been here long enough to know what needs to be done in order to keep the park open and I feel like it's my duty to stay here."
By looking at the talent that these young kids have, it's motivation for anyone to give what they can to make sure this park stays open.
Mike, a 17-year-old skateboarder started off at the age of 9 at the La Sierra Skate Park.
"I used to play baseball and would look at the skate park and see how much fun everyone else was having," explains Mike. "That's when I quit baseball around 9 and have been skating ever since."
From marveling the skate park from afar, or seeing other friends skateboard, everyone here had their own way of getting into the sport.
JD and Andrew, both 15-years-old, have been skating for three years.
"We got started skating because of our friends. We saw tricks and wanted to try it," said Andrew and JD.
Over the years, the La Sierra skate park has created an abundance of good memories for those that have used it and it's important to keep a place where people can remember when they started skating as well as a place to skate safely at.
"This place helped me grow with basic skills," explained Mike. "It's definitely a memory place, we always reminisce. I'd be sad to see it go."
11-year-old Trevor, one of the younger skateboarders at the park shows that starting young and having a place to start is important.
"I've been skating since I was 6-years-old and got into skateboarding because of my dad," said Trevor.
Not only does the La Sierra Skate Park give these kids a safe place to skate but has started future dreams for the youth.
"I like to film here, I film a lot of the guys skating," explains Mike who has decided he wants to go to film school. And young Trevor has dreams too. "My favorite skater is, Curren Caples. I'd like to be a pro skateboarder when I get older," explained 11-year-old Trevor.
From memories and friends, La Sierra Skate Park is a place that generations will remember as the first place they started skating, or where they decided they wanted to become a professional.
That's why it's important to let the community know of this great place, and what needs to be done to make sure it's always open.
From giving donations to supporting annual fundraisers being held for the park, it's essential for the community to stay in tune with how the park is doing financially and seeing if there is anything they can do to pitch in.
"I hope our participants enjoy the music and have a great time," explained Crisante. "While also bringing in additional revenue, every little bit helps."
Making events like this music fundraiser and other occasions known, the community can experience the great influence it has on the youth and their future.
"I always tell the older kids here that there is a new generation and we need to make sure that this is here for them too," says Kerr.
Disclosure: If interested in making a donation to the La Sierra Skate Park visit http://www.carmichaelpark.com/skatepark.htm for more information.


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Every spring, admissions officers and other representatives of NCCU hold Eagle Prep Workshops at locations around the state and in a few cities outside North Carolina. Prospective students can meet with an admissions officer and be considered for fall acceptance. Parents and family members are also welcome to attend to learn more about the university.
Attend to take your placement test early! Your placement test results will help your academic advisors guide you to register for the appropriate first-year classes during the summer orientation session. By taking placement tests during this pre-orientation program, you are ahead of the curve during summer orientation (You will go to advising at the beginning of your session).
While your student is testing or meeting with an admissions officer you can attend the session to learn about the enrollment process and academic expectations. Use this opportunity to meet NCCU departmental representatives and have your questions answered. Representatives will include members from offices of Scholarships and Student Aid, Residential Life, University College, New Student Services, and more.
Attend this session to meet with admissions officers and be considered for fall acceptance to NCCU. Make sure to complete your admissions application online prior to attending (NCCU does not accept paper applications), bring an official high school transcript, and an official copy of your SAT/ACT score.
There is no cost to attend an Eagle Prep Workshop. However, attendance during summer orientation is required. Eagle Prep Workshops are designed to help students complete the testing requirement early and provide any initial information needed.
Dates for spring 2014 will be announced late fall.


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Maxell 64GB CompactFlash 400x Flash Memory Card
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Easy Returns, Fast Shipping, Trusted for over 35 years.Need help? Call 800-223-2500 / 212-741-0052


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For Accommodation and information, please call:
0845 859 1006
Monday to Friday 9am - 5pm
Saturday and Sunday - closed
*Calls may be recorded
Glasgow City Centre
Slaters is a well-known Glasgow store that sells Menswear, Formal Hire and Highland Dress
Health & Beauty
100% Natural 100% Affordable 100% Effective 100% Yours 100% Ethical Packaging 100% Local
Music Shop
Glasgow West End
Albamusick deals in second-hand and antiquarian sheet music of all types together with related books.
Shopping Arcades
Welcome to Janet & John, an arts and crafts shop/gallery in the heart of Glasgow's West End.
Crafts, Gifts & Specialities
Arts & Crafts
Glasgow City Centre
The Glasgow School of Art shop is located within the stunning Mackintosh Building at the renowned Glasgow School of Art.
Welcome to Sheenashona Jewellery retailing at the heart of the 'Style Mile'. Come in and enjoy fabulous cocktails and champagne in the sparkling surroundings of Sheenashona Diamonds at Boutique, a beautiful jewellery shop with a difference.
Crafts, Gifts & Specialities
Tartan Plus on Glasgow's Buchanan Street stocks an extensive range of contemporary Scottish gifts and traditional souvenirs.


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So Mylena and I are back, back from our trip to Firenze that has left us with some absolutely unforgettable memories. We arrived in Italy on Sunday evening after spending two days in a lovely hotel in the Vercors region in France. There we had a lovely 10 course "menu de degustation" accompanied by a wine tasting on Friday evening. Saturday we spent an afternoon picking mushrooms under the watchful eye of a local guide and mushroom expert. We ate what we picked that evening and it sure was yummy. We had a good giggle with one of the other hotel guests who looked like she was an avatar that somehow escaped SL. All through dinner she wore a white woollen hat, fingerless gloves, a leather jacket with metal studs and big ass boots that looked like they were made from an awful lot of prims.
Arriving in Firenze was a bit of a shock. We made a little tour around the old center on Sunday evening and found it to be absolutely overrun by tourists and all in all really dirty. It must have been a Sunday thing however because when we walked the old narrow streets from piazza to piazza on Monday things had been thoroughly cleaned up. Being very curious we also walked past the Museum of Natural History where the exhibit would take place joking it would be too funny if it all turned out to be an elaborate hoax. But sure enough the big Rinascimento Virtuale poster adorned the facade of the building.
Tuesday we spent on touristy stuff. Walking around, visiting the sites but all the while at least my thoughts were with what would happen that evening. A little after six we were at the museum. At first I heard nothing but Italian around me in the crowd that had gathered in the courtyard of the building for the opening speech. I was disappointed not to see any familiar faces. I was starting to fear no one would show up. Then all of a sudden I heard this guy being interviewed by some reporter spell out his SL name An-dro-me-ga Vo-la-re ... Yay, found one ! While saying hi to Andro I heard "Hey Loki !!". Turned out to be Track Hax who was talking to no one other than Nyla Rossini and her husband. We went on to have a look at the exhibit and there they were; Silver, Keiko, Luther, Pilgrim, Raul, Khamudy and Angie. It was really like meeting up with old friends and meeting a few new ones.
I'll be short on the exhibit itself. Let's say it was a nice try but there was not that much SL-Art on display and clearly set up not too interfere too much with the normal collection of the museum resulting in pics being on the floor leaning against display cabinets or pics being almost two meters up on top of cabinets. A setup made of a number of those picture display frames was a nice idea but most of them stayed dark or displayed the setup menu. In the end everyone gathered around one big size monitor displaying an endless stream of pics while once in a while someone would go "hey that's yours!" or "Yay, one of mine". There were a few viewing booths set up to show some machinima. All in all a bit of a disappointment but the company largely made up for it. I'll probably write about the exhibit itself in a later blog.
After we'd seen what was there we decided to go for drinks but first went to pick up Hio at his hotel. Contrary to popular belief he is not actually green in RL but apart from that Hio is Hio. We ended up at an Irish pub on piazza della Signoria chatting, laughing, teasing, gossiping and generally having a great time. If someone listened in on the conversation they must have thought we were completely nuts with all the "woot" "lol" and "Yay" going on. We ended a really great evening having a late dinner at a nice restaurant barely big enough to seat all thirteen of us. You should have seen the waiter's face when Keiko wanted ketchup to put on her fettuccini bolognese ... priceless !
Wednesday was a day of more sightseeing and touristy stuff which I won't bother you with. On Thursday we met up with Silver, Keiko, Luther, Pil & Kham again and strolled through Firenze, had a very good late lunch on one of the countless terraces and did some shopping. Sometimes RL can be so like SL only the food and wine are better in RL, in Italy anyway. More great food that evening when Luther prepared us some delicious pasta dishes at the apartment where they were staying. I picked up a few bottles of wine and a bottle of limoncello and we spent the evening chatting about everything and anything sitting outside on the apartment's little roof terrace around a couple of candles. A wonderful ending to an exciting few days.
It was really funny to see how we all got along so well and without any awkwardness about actually meeting for the first time in RL. I guess you can role play as much as you want but in the end the real person behind the av always shows through so in a way you really know the people even if you have never met them. It really makes me want to meet so many others I met in my time in SL because how ever much fun SL can be, nothing beats sharing a meal with real people.
I thank my lucky stars I got to meet all these lovely people.
Track, it was good to see you there. You should have tagged along on Tuesday.
Andro, it was really nice meeting you and it's a pity you couldn't stay longer.
Nyla, I still hear your wonderful laughter. It was great to meet you and your husband.
Angie, I love the pictures you took with my camera. I'm sure we'll see more of each other in world after this week.
Pil, Don't think we've seen each other in world all that much so far. So great to get to know you a bit better. Hope things went well in Portugal.
Raul, I can see why Gany loves you to bits. It was my privilege to meet a great guy like you.
Kham, what can I say apart from "I love your mind" héhé. Great meeting you too.
Luther, man that pasta was great! Hope to see more of you in world.
Hio, pity we didn't get to talk a bit more, still, it was really great to meet you!
Keiko, you sweet thing, it may sound a bit odd but I love you to bits.
Silver, meeting in person after all this time was wonderful. I sure hope it was a first and not a last. See you in world soon!
Mylena, thanks from the bottom of my heart for a wonderful trip.
Now let's all think long and hard for the next excuse to all meet again ;-)
Sunday, 26 October 2008
Tuesday, 14 October 2008
Firenze here we come !
The countdown has begun. Three more days and Mylena and I will be on our way to Italy. I wrote about "Rinascimento Virtuale", the exhibit of SL art in Firenze, in an earlier post. It opens on the 21st of this month. Well, the route is planned, the hotels are booked and we'll be arriving in Firenze on Sunday. I hope to attend the vernissage on Tuesday but I'm still waiting for confirmation. I sure hope to meet the organisers and Frank Koolhaas in particular. It sure looks like they have been doing a great job. I promise I'll write more about it when I'm back.
There is of course also another dimension. This exhibit is the perfect occasion to meet a few people I have known for a good long while but never met RL. I'm putting it mildly when I say I'm really excited about that. I don't know how many will be there but I hope there will be plenty. It would be so much fun if we could all get together and tell SL stories, whine about flickr drama, exchange tips and tricks and all of that without even touching a keyboard. What a novel idea! Anyway, if you read this and are going there too please leave a comment or let me know. I would hate to miss the opportunity to meet you too ;-)
There is of course also another dimension. This exhibit is the perfect occasion to meet a few people I have known for a good long while but never met RL. I'm putting it mildly when I say I'm really excited about that. I don't know how many will be there but I hope there will be plenty. It would be so much fun if we could all get together and tell SL stories, whine about flickr drama, exchange tips and tricks and all of that without even touching a keyboard. What a novel idea! Anyway, if you read this and are going there too please leave a comment or let me know. I would hate to miss the opportunity to meet you too ;-)
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August 06, 2010
Well it's official, I'm a married woman! Six years ago I met the love of my life and now we are starting a new chapter in our lives together. It feels so good, words can hardly express how I feel. The day was beautiful, the food was delicious, and everyone had a blast, as seen in the photo booth pictures above. I can't wait for the pictures our photographer took, he's awesome!
July flew by for us with all the planning and decorating, but I'll be back soon with more recipes (I've got lots of new gadgets to play with). For now I'm enjoying a little relaxation with some of the family that is still in town. Have a wonderful weekend!
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A collection of news and information related to Rick Snyder published by this site and its partners.
Top Rick Snyder Articles
Displaying items 89-99
Michigan's tea party governor drops lumps of sugar on the Detroit Red Wings
Story | Jul 29, 2013 | 4:32 PMFrom The Nation: The headline juxtaposition boggles the mind. You have, "Detroit Files Largest Municipal Bankruptcy in History" on one day. Then you have "Detroit Plans to Pay For New Red Wings Hockey Arena Despite Bankruptcy "... -
DNR submits land-management plan to Snyder
Michigan AG Schuette joins Detroit bankruptcy case
A bankrupt Detroit, maybe down but never out
Opposition to wolf hunt initiative raised over $500,000
Detroit manager: Barbs won't solve city's crisis
Judge freezes challenges to Detroit bankruptcy
Michigan spends little to promote health care law
Story | Jul 24, 2013 | 10:45 AMLANSING, Mich. (AP) — Just five states will spend less per capita than Michigan to get the word to uninsured residents about how to enroll for medical coverage under the federal health care law starting this fall. Michigan's $5.7 million in... -
Panel recommends Mich. teacher evaluation system
Why Detroit's bankruptcy matters
Detroit bankruptcy tests state pension protections


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Imported by on of my favorite importers to look for; Haw River Wine Man, Inc, out of Burlington, North Carolina, the Tezza Corte Majoli 2011 Valpolicella is a beautiful wine.
Made from a blend of Corvina (mostly), Corvinone and Rondinella grapes,
The Tezza Corte Majoli 2011 Valpolicella is a lovely fruit forward wine with balance and structure. In the glass, the wine is an intense ruby color. On the nose tons of black cherry, cocoa and spice aromas. On the palate, a dry red wine with a flavour profile of dark cherry fruit, notes of licorice,earth and spice. Easy drinking soft tannins, a full mouth-feel and pleasing finish complete the wine.
The Tezza Corte Majoli 2011 Valpolicella is a most suitable wine for casual Italian cuisine, pizza, pasta, etc; plus hamburgers, BBQ and grilled meat or poultry.


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Lacoste Sevrin Casual Mens Lace Up ShoesLacoste are fashion innovators, pioneering the original polo shirt that has become so popular today. Their visionary attitude stretches right across their collection and is represented here by these sophisticated Sevrin lace up shoes. Available in a choice of two colourways, these shoes are crafted with a leather upper and sealed with elegant contrast stitching. The instantly recognisable crocodile to the side is provided in brushed dark silver, whilst the brown inner lining and matching trim offers a sophisticated contrast to the white outsole. These stylish lace-up shoes complete a suave look alongside chinos, knitwear and a classic polo shirt. Useful info:
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More Articles for Sierra Pacific West
Highway Contractor
Old Dog, New Tricks
Even with a strong foundation and a long history, you need to be willing and able to adapt to stay competitive today.
By John Latta
It's not 2007 anymore.
Changes in the economy, the way work is decided on, planned ... Read More...


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Apollo 11
1969 was a year of renewed hope. The previous year had been filled with civil strife in America and people were in need of real heroes. In July of 1969, three men strapped themselves into the Apollo 11 spacecraft that would land them on the moon. For years, this journey only came to fruition in the minds of science-fiction writers. But now it was a reality. When Apollo 11 lifted off it was an awe-inspiring sight. This mission was unlike any of the previous ones. But at the same time as there was tremendous excitement, there was worry and panic. At mission control in Houston, restless engineers and scientists were keeping an eye on everything, praying that the spacecraft would do its job.
Apollo 11 took three days to get to the moon. The Lunar Excursion Module was the part of the craft that would land on the moon. So Neil Armstrong and Buzz Aldrin boarded the spidery-looking vehicle and detached from the rest of the spacecraft. Michael Collins was the astronaut that remained behind orbiting the moon. The two astronauts steered the vehicle over the surface of the moon. With only seconds of fuel left, Neil Armstrong landed softly on the rocky surface of another world. This is the moment where the world stopped. Finally, all the mystery surrounding the moon was made physical as man landed on its surface.
Neil Armstrong stepped out on the surface a few hours later and uttered his famous quote: "That's one small step for (a) man, one giant leap for mankind." Aldrin followed and for hours the two men walked on the surface of the moon. They planted the American flag and put a plaque down marking the mission. When it was time to head back to earth, Aldrin noticed that one of the switches to ignite the engine had come off. Using his own wit, he jammed a pen in the hole and fired the engines. The spacecraft returned to the orbiting Michael Collins and the three astronauts headed back to earth.


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2013 Year-End Special: Get 1 year of unlimited access for $399 [Save $73 + 1 month free]*
*Introductory rate valid for new individual subscribers only. Corporate accounts not eligible.
Critique your results Being honestly self-critical in evaluating your photography will serve you well on the way to improving your technique. Unfortunately, most of us are not the best evaluators of our own work. It's difficult for us to separate our images' artistic merits from the physical effort and emotion invested in capturing them. Seeking the candid opinions of others gives you a completely different perspective and helps you see things you might otherwise miss. In the beginning, honest criticism of your art might and share information about equipment with fellow workshop students. You'll find that you're not alone in your experiences. Learning the art of photography is absorbed more through osmosis than the deliberate study of explicit directives. Acquiring knowledge and ideas comes by way of continued exposure until it becomes almost unconscious in nature. The process of trial and error provides the most direct route in developing the skills necessary to produce pleasing images on a consistent basis. Countless times, photographers capture what they think is the final results when they get home and view it on the computer. And just as often, they're surprised to find that an exposure they didn't have high hopes for in the viewfinder turns out to be the best image. The moral: Don't be hasty in making judgments about your compositions in the heat of the moment. You should be in acquisition mode while working in the field. Wait to evaluate your images after you've downloaded the files to the computer and you have more time to turn a critical eye on them. The mindset of the photographer differs completely from the mindset of the editor.


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study, he could not decide to present himself for examination; he finally became impotent, and merged into a psychosis in which, whenever he was alone, he took delight in walking about in his room on his toes in order to appear taller. The word "short," therefore, signified to him a great many painful experiences. This is usually the case with the repeated words; they always contain something very important for the individual psychology of the test person.
The signs thus far depicted are not found arbitrarily spread throughout the whole experiment, but only in very definite locations; namely, in those stimulus words which strike against special emotionally accentuated complexes. This fact is the foundation of the so-called "diagnosis of facts" (Tatbestandsdiagnostik); that is, of the method employed to discover by means of an association experiment, the culprit among a number of persons suspected of a crime. That this is possible I should like to demonstrate briefly in a concrete case.
On the 6th of February, 1908, our supervisor reported to me that a nurse complained to her of having been robbed during the forenoon of the previous day. The facts were as follows: The nurse kept her money, amounting to 70 francs, in a pocketbook which she had placed in her cupboard where she also kept her clothes. The cupboard contained two compartments, of which one belonged to the nurse who was robbed, and the other to the head nurse. These two nurses and a third one, who was an intimate friend of the head nurse, slept in the same room where the cupboard was. The room was in a section which was regularly occupied in common by six nurses who had free access to this room. Given such a state of affairs it is not to be wondered that the supervisor shrugged her shoulders when I asked her whom she most suspected.
Further investigation showed that on the morning of the theft the above-mentioned friend of the head nurse was slightly indisposed and remained in bed in the room the whole morning. Hence, following the indications of the plaintiff, the theft could have taken place only in the afternoon. Of the other four nurses upon whom suspicion could fall, there was only one who regularly attended to the cleaning of the room in question, while the remaining three had nothing to do in this room, nor was it shown that any of them had spent any time there on the previous day.
It was therefore natural that these last three nurses should be regarded for the time being as less implicated, and I therefore began by subjecting the first three to the experiment.
From the particulars of the case, I also knew that the cupboard was locked but that the key was kept not far away in a


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Nikko submarine volcano, approached from the south and circling around the two summit cones. The western cone is known to have an active hydrothermal system. Depths range from 383 to 2705 meters (1256 to 8872 feet). The EM300 bathymetry data (~25 meter resolution) are overlaid on SeaBat data (~50 meter resolution). Bathymetry data are 2.5 times vertically exaggerated. SeaBat data are courtesy of Ko-ichi Nakamura, National Institute of Advanced Science and Technology, Japan. Fly-through movie courtesy of the NOAA Vents Program.
Related Links
Submarine Ring of Fire 2006: Mission Plan
Submarine Ring of Fire 2006: Mariana Arc


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Exchange programs
From EECS
←Older revision | Newer revision→
The EECS group at Jacobs University believes in the international exchange of students. This page documents some exchange programs that have been established.
Contents |
Exchange Program with Carnegie Mellon University
The School of Engineering and Science has an exchange program with the School of Computer Science at Carnegie Mellon University (one of the top CS schools worldwide). In this program, second-year EECS students with CS specialization area spend a semester at CMU. Jacobs can send two students per semester to CMU and EECS hosts the same number CMU students. The exchange program will be administered by the Office of Career Services & Exchange Programs (OCSEP) at Jacobs and the Office of International Education on the CMU side.
Application and Deadlines
The application deadline for the Fall semester 2006 will be announced in the Spring semester. Applications should include a CV, a letter of intent (why do you want to go to CMU), and the current Jacobs transcript. Later, CMU requires a TOEFL score of 550 or above, so you may also submit that as well (details). Application materials should be sent to the OCSEP. A committee of three CS faculty will then evaluate the applications and create a ranked list for Carreer Services to admit students to the exchange program.
Courses and Equivalences
We will publish a list of course equivalences to ease planning and credits transfer. In the meantime, you can find a course list of Computer Science at CMU here. In general, we translate 2 CMU credits into 1 ECTS credit.
Exchange with Rice University
Several Jacobs University students have already visited Rice University for a semester or even longer even though there is no formalized exchange procedure. Students interested to exchange with Rice University should contact our visiting Faculty members from Rice.
Courses and Equivalences
In general, we translate Rice credits by multiplication with the factor 1.5 into ECTS credit points.


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Add-Ons To Make Your Computer Sizzle"dorquemada" is a very lonely man with lots of problems:
"ToiletDuk" is very saucy. Too saucy if you ask me.
"SenatorASSFACE" does his part to keep the puns alive:
"illumn8d" doesn't want to give up on his 8tracks.
I cut myself playing Counter-Strike thanks to "spacebadger" and his awful creation:
That's it everybody. Please come back next week when we use Photoshop to make pictures of flowers and pretty princesses look more precious. Thanks to the Something Awful Forum Goons for supplying these images and the laughs they likely caused. Stop on by and join in the fun!
The first phase of The Olive Garden's cyber rollout will introduce their Neverending Pneumatic Pasta Tube. This works on the same principal as bank drive-thru deposit tubes, but with unfrozen linguini and spaghetti.
Do you remember the crazy clothes and hair of the 1990s? Do you remember Crystal Pepsi and Teenage Mutant Ninja Turtles? Do you remember where you hid the box your mother gave you?
It's still okay to like Ben Stiller, guys.
Dan Haggerty and Joe Estevez get grizzly all up in Paul Bunyan's bizzly!
Photoshop Phriday showcases the tremendous image manipulation talents of the Something Awful Forum Goons. Each week they tackle a new theme, parodying movies, video games, comics, history, and anything else you can think of. If you want in on the action, join us on the Something Awful Forums!
Copyright ©2013 Rich "Lowtax" Kyanka & Something Awful LLC.


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While most people rent Deer Valley condo rentals during the winter months, others will visit this secluded part of Utah during the summer.
Deer Valley Travel Guides
Deer Valley vacation rentals have been in high demand ever since the region established itself as a premiere skiing destination. While winter activities and events bring people from all over the world, others come to explore Deer Valley's unique nightlife.
Stay at a Deer Valley lodge and be close to the scenic Olympic Park. Olympic National Park offers many scenic routes that are good for hiking, picnicking, and fishing. There are several popular hiking trails in this national park that you can hike on, most of which provide some of the most beautiful scenes in the area.
Park City Travel Guides
Park City Luxury Rentals are a great place to stay while enjoying the best snow on earth at prices that won't break the bank. When you stay at a Park City Luxury Rentals you will find yourself closer than you imagined to many of Utah's most wallet friendly ski areas.
An exclusive Park City mountain resort rental provides easy access to the abundance of winter opportunities in Utah. Many tourists say this area has the most impressive snow in the world. As one of the premier summer and winter destinations in the United States...
If you're staying at one of the Park City vacation rentals during January, do not miss the Sundance Film Festival and related events in the city.
Solitude Travel Guides
Solitude condos are located in a place that will keep you delighted all throughout your stay. Solitude, Utah is one marvelous place filled with
There are many great attractions located not far from your Solitude house rental. Whether you want to take part in outdoor activities or learn about the history of Utah, you can easily find attractions worth visiting. Here are 3 day trip destinations you should visit when you are vacationing in Solitude.
For those looking for an incredible vacation experience in Utah, you are bound to have one if you book your stay at one of the many Solitude cabins.
Zion Travel Guides
If you are in or around Zion cabins or any Zion vacation homes, you will find a ton of outdoor activities. These activities include river tubing
Indoor fun near Zion rentals is plentiful and near to your choice of vacation home. There will never be a dull moment, and sometimes you might even
The variety of canyons for you to explore close to your Zion Cabin is amazing. Whether you enjoy hiking, climbing or just taking in the sites you