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Eleven water hazards shape The Links at Overlake, where golfers send drives soaring into a horizon bounded by distant mountain peaks. While the waterways offer the biggest threat to a golf ball's survival, the 18-hole, par 72 course also features knee-high grasses and deep pot bunkers—course motifs inspired by the links-style courses of Scotland. The forward tees—measuring a modest 5,361 yards—let players bypass certain water hazards, while the formidable, 7,248-yard layout from the back tees forces golfers to play right into the course's grass-stained teeth. Before tee-time, golfers can find their rhythm by taking practice swings or tap-dancing to the sound of clubs hitting balls at the driving range.
Mulligans Golf and Games entices golfers to grab their clubs and pole-vault into the universe of gentlemanly sportsmanship across two nine-hole golf courses. Golfers can steadily slice their way through The Meadow's nine par-3 holes, or line up their swings to conquer on The Ridge's tricky combination of par-3, par-4, and par-5 holes. Both courses present unique challenges for players of all skill levels, tucking water hazards into verdant greens and commissioning tennis players to play defense. Those who prefer putters can traverse the bubbling lagoons of two immaculately landscaped mini golf courses.
Mulligan Golf and Games' driving range, open day and night, unfurls 33 covered hitting areas so golfers can practice their strokes and acquire the accuracy to peg their neighbors' rooftop satellite dishes. During golf lessons, Jeff Wathen and other PGA golf professionals analyze swings and approaches using years of experience as well as the latest in video and computer teaching aids. Baseball and softball players can also club white orbs into the sky from eight slow- and fast-pitch batting cages.
Selina Reynoso was a horse lover before she even set foot on a farm. As a child, her introduction to the equestrian experience didn't come from riding a carousel, visiting a farm, or being raised by a family of Shetland ponies. When she was nine, she watched The Black Stallion, and was hooked. She begged her mother for riding lessons, and eventually found a horse of her own—Fairly Effervescent, or Fizzy for short.
Today, she gives horseback riding lessons at Effervescent Arabians as a way to introduce both children and adults to the world of equestrianism. Lessons cover such disciplines as hunter, jumping, dressage, and showmanship, and take place in one of the facility's four outdoor arenas or under cover inside the indoor arena during inclement weather. Elsewhere on the grounds, experienced riders can work with their horses on a 3/4-mile racing track and a polo field of more than 12 acres.
River Oaks Golf Course was carved from the pond-spotted wetlands that surround the Jordan River to form 18 holes of scenic golf. Golfers prime their swings at the course's 40-stall driving range to prepare for the round, which begins with three consecutive holes featuring prominent water hazards that still hold a grudge against the sun for ending their glacial childhood. Snow-capped mountains peek above tree lines, enhancing the landscape as golfers play the course. Those in need of an equipment upgrade can browse a vast selection of new clubs, clothes, and accessories at the pro shop, where large observation windows let guests soak in views of the course, stare into the glassy waters of the river, or keep tabs on factions of rebellious golf carts.
At Master Kwon's World Class Tae Kwon Do, Grand Master and seventh-degree black belt Jin Yong Kwon imparts more than a quarter-century of tae kwon do wisdom in lessons for participants of all ages. Through tae kwon do training, pupils develop technical martial-arts skills while seeking to build traits such as self-control, respect, and confidence that carry over into other facets of life.
Academy West gives restless young Utahns a chance to expend excess energy in the form of choreographed dance, tumbling, cheer, or gymnastics classes. The adroit staff of CPR-certified safety gurus is composed of deft dancers and top-notch tumblers who teach thrilling routines to children craving more choreography in their lives. The 22,000-square-foot facility is packed with high-quality equipment and enough protective foam to swaddle a Herculean toddler attempting a triple aerial in place of his or her first steps.


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Just a little extension I was playing with...
There were no shells for the ends so I just wrapped them in leather for schiit's and giggles.
Just a little extension I was playing with...
There were no shells for the ends so I just wrapped them in leather for schiit's and giggles.
Tehehehe Schiits and giggles.
How about these Y splitters?
How about these Y splitters?
I've never used a pre-made Y-splitter. I always make my own, but this would me things easier I'm sure, and it would look more like a production cable rather than a DIY cable. I guess it just depends on what you're going for in style, durability, and difficulty.
Those leather ends would look even better if the creases were sewn together. Like this:
That would be a TON more work though, especially with how small the stitching would be. haha They look nice as-is though ;)
Well, I can finally contribute to this thread!
Here ya go:
5 foot, SPC wire from BTG-Audio, Paillics jack, and rattlesnake techflex. Also, purple heatshrink from heatshrink.com!
Thats what I call DIY!!! Very cool and good idea - patented it ...?
My first recable
used a headset of my brother, if I make a mistake not to have problems because he did not use more
How do these Mogami W2893 wires sound? Neutral/dark/bright? I am looking for wires for my D2000 recable.
BTW, Nice cable.
I would say mildly warm. You can't go wrong with it at its price point.

subset: commoncrawl


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DUBAI: Investment banking fees in the Middle East grew 20 percent last year, data compiled by Thomson Reuters showed, as capital markets activity continued to recover gradually from the global financial crisis.
Total fees rose to $722 million in 2013, the highest since 2010, from $603 million in 2012 – though they were still only about half of the 2007 record high of over $1.4 billion.
Fees from completed mergers and acquisitions climbed 22 percent to $213 million, as the value of announced M&A deals with any Middle Eastern involvement rose 7 percent to $43.4 billion.
M&A flows into the Middle East edged down 3 percent to $6.1 billion. Egypt was the most popular target for foreign acquirers, accounting for over two-thirds of M&A inflows, while China provided over half of flows into the region.
Outbound M&A from the Middle East – defined as the Gulf, Levant countries and Egypt, but not including other North African states – increased 11 percent to $14.8 billion.
The data showed that despite last year's rise of share prices in the Gulf, stock market activity still hasn't recovered from the crisis: Mideast companies raised just $4.2 billion in 2013, down 39 percent from 2012, because of an 80 percent drop in follow-on share offers.
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Iran and six world powers are expected to break off negotiations on Monday and meet again next month after missing a...
Students from different Lebanese schools flocked to the UNESCO Palace Wednesday to take part in ACADEMIA Lebanon 2014...
Egyptian President Abdel Fattah al-Sisi left for Rome Monday on his first European trip since ousting his Islamist...
Iran and six world powers will "eventually reach" a pact to resolve a 12-year stand-off over Tehran's nuclear...


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The Tivoli Lodge, nestled in the heart of Vail Village and just steps from the Vista Bahn Gondola, is one of Vail's best in-town locations. Family owned and operated, this European-style ski lodge is known for providing friendly, caring, personal service and will ensure that your Vail vacation is memorable. At Tivoli Lodge the world's finest skiing, shopping, and dining are all available less than one block from your door!
Tivoli Lodge | Vail Colorado from Indie Atlantic Films on Vimeo.
Hot Tub
Restaurant / Bar
Pet Friendly
Less than 250 yards to the lifts
Walk to shuttle for lift access
Vail, CO, USLess than 250 yards to the liftsWalk to shuttle for lift access
Tivoli LodgeVail, CO, US
Less than 250 yards to the liftsWalk to shuttle for lift access
Rental Shops
Policies including cancellation vary by property. With questions about this property's policies, contact a Ski.com Mountain Vacation Specialist.


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Vincent Hamel Works on Paper (1972-2012) Opens at Howard Scott Gallery
Howard Scott Gallery will present a survey of Works on Paper, 1972-2012, by the Dutch artist Vincent Hamel.
Vincent Hamel work has been represented in this Country by Howard Scott Gallery since 1996. The artist, born during the decade of the 1930's in Amsterdam, still lives and works in that city. Hamel, an abstract, reductive painter, possesses an unusual sensitivity to color which is accorded an important role in his respective bodies of works.
In the forthcoming exhibition the artist will present thirty works dating from 1972 to 2012. The drawings of Vincent Hamel, takes a humble and homey –that is to say, typically Dutch- pride in scale. Many of the works are no larger than eight and a half by eleven inches sheet of paper, nor do they need to be. There is in these works a love and understanding of density, tactility and delicacy of materials.
Hamel layers acrylics, gouache, wax crayon and, most memorably, ball-point pen to give body to gentle shifty fields of color and texture all of which involve a paper support and are characterized by intimacy of scale to produce a sharp focus on both the specific physicality of his chosen working materials and on his mark-making and other aspects of the "touch". In recent works, he contrasts hues having strong differences in value, using a geometric division of the field.
Vincent Hamel work was part of the recent exhibition Material Color (2009) curated by Mary Birmingham at the Hunterdon Art Museum, Clinton, NJ. Mr Hamel's work is included in the collections of the Stedelijk Museum, Amsterdam and the Museum Boijmans Van Beuningen, Rotterdam, in addition to numerous other collections in Europe and the United States.
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Added Feb 16, 2013
by catmagalhaes
Lisbon, Portugal
I started this quilt while I was still pregnant.
Then I left the project on the side.
One year after my baby was born I finally decided to finished.
I did the embroidery.
cotton, embroidery thread, cute baby
Feb 17, 2013, 04.30 PMby cathysews
Feb 16, 2013, 10.06 PMby Mary Athey
It's lovely.,well done x
Add to Favorites no one added it
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November 27, 2014
April 15, 2008
Old Dominion is tapping an interim president to oversee the Norfolk school between the time President Roseann Runte leaves and a new president arrives.
Runte will become president of Carleton University in Ottawa, Ontario on July 1st.
The school's board of visitors appointed John R. Broderick as acting president until the new president starts. Broderick is vice president for institutional advancement and admissions and chief of staff.
He joined the school in 1993 as director of public information and has served as a vice president since 1996.
Old Dominion formed a 16-person committee in January to find a president.
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"Pakistan is against nonproliferation because it is always accompanied by disarmament. If [disarmament is] applied to some countries and not others, it will be dangerous to the security of the world This is not an issue of reaching compromises on language, this is an issue of national security."
Related quotes
"Ebola is not that serious than those machine gun's and missile's fired yesterday, today and those going to be fired tomorrow! - devaski"
"We are going through many of the issues, outstanding disarmament issues. The Iraqi side is providing explanation on some of the issues ... We are discussing, but we have to wait until tomorrow."


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Today I taught a "Photography 101 Workshop" down in Saratoga. After we finished the workshop, we went outside for some practice shots of "The Twins" (as they are affectionately known) – had so much fun!
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Book Description:
Did you know that Oklahoma is one of the top ten winter viewing spots in the nation for bald eagles? Oklahoma Birds will help to identify over 140 familiar species with beautiful detailed illustrations. A map featuring prominent state-wide birding hotspots will be appreciated by state visitors or residents. Laminated for durability, this lightweight guide will conveniently fold to fit into your pocket. Perfect for observing your backyard feeder guests or those species out on the trail.
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I ordered from MJM for the first time last week. I ordered a DVD on Saturday morning and within two hours I received an e-mail saying that it had...Read More ->
I'm a Magician from Curacao(in the caribbean)
It's the first time I received a good service like this.
Keep up the good work guys!Read More ->


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Utopia Needs Woodworkers, for Fox TV Reality ShowBy Bill Esler Posted: 04/01/2014 4:47PM
Woodworkers could land a role in building a brave new world. FOX TV is launching a reality television show, "UTOPIA," and issued a casting call for woodworkers, builders, and architects among other skills.
Kickstarting Wood Business: How They Did ItBy Bill Esler Posted: 03/28/2014 11:52AM
Woodworking businesses are turning to crowdfunding - finding money online to launch a new wood product. At Cabinets & Closets Expo we'll tell how they did it, with real-life case studies.
Top Wood Worker Academy Award Winner: 12 Years a SlaveBy Bill Esler Posted: 03/03/2014 3:06PM
In the powerful personal saga, '12 Years a Slave,' 19th century practices in saw mills, woodworking and carpentry are revealed along the road to a much larger story.
4 AXYZ On-Demand Furniture Printing TechnologyBy Bill Esler Posted: 02/26/2014 11:10AM
3D printing of real wood furniture is in the offing, says 4 AXYZ, a start-up that has developed a proprietary process for producing high quality, real-wood products formed from solid wood.
Mass Customized Cabinetry Will Challenge Custom CabinetmakersBy Bill Esler Posted: 02/21/2014 9:14AM
Large cabinet manufacturers retooled in the downturn. At KBIS 2014 they showed designers how they manufacture from automated order intake, speed turnaround, build in LED lighting, and size cabinets in 1/4-inch increments to fill the space "just so." Can custom shops compete?
Great Idea - Free Tech Training & Associate Degrees in TennesseeBy Bill Esler Posted: 02/10/2014 7:54AM
A proposal for free technical training and community college is a great idea. Tennessee Governor Bill Haslam's proposal last week addresses a key issue for today's workers: too much education, not enough job-relevant training.
Construction Job Growth Shows Housing Leading RecoveryBy Bill Esler Posted: 02/09/2014 10:21AM
Construction jobs spiked in January, explaining strong attendance at the 2014 Builders and KBIS Shows. A Feb. 7 report shows 48,000 jobs were created in residential building last month. These cabinetry, flooring, hardware and millwork items from the show reflect that recovery.
The Garbers Never Thought Cabinets Would Be So MeaningfulBy Bill Esler Posted: 02/07/2014 10:52AM
"When we were newlyweds eight years ago, we could never have had an upfront and candid discussion about custom or stock-manufactured cabinets," couple reports to The Onion.
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Brett L. Schuchert's Videos
127 Plays / 0 Likes / 1 Comment
Legacy Refactoring and Dynamic Link Seams01:38:11
266 Plays / 1 Likes / 0 Comments
This is another talk about dynamic link seams and traditional legacy refactoring. This was was February 28, 2012 at the Austin JUG.+ More details
Legacy Refactoring Using Isolator01:34:03
348 Plays / 3 Likes / 0 Comments
This a presentation on a combination of things including: legacy refactoring, typemock isolator, testability, etc. This is similar to the talk I gave in Berlin (http://vimeo.com/31927512), though…+ More details
Legacy Refactoring at Berlin Jug hosted by Hypoport01:47:16
900 Plays / 6 Likes / 1 Comment
This is a discussion of legacy refactoring as presented to the Berlin Java Users' Group 2011, November, 10. The beginning is a mess of ugly code that uses an HttpClient to acquire currency conversions.…+ More details
Integer Rpn Calculator: Refactoring - Fixing the API08:01
316 Plays / 1 Likes / 0 Comments
In this video I fix the interface of the Rpn calculator. I test drive the changes. I though it was more important to improve the API first and then rid of the duplication.+ More details
Integer Rpn Calculator: Refactoring, Extract Class16:57
202 Plays / 2 Likes / 0 Comments
The last video left the production code with a lot of room for improvement. In this video I remove feature envy by extracting a new class.+ More details
Integer Rpn Calculator: Basic Operators40:45
307 Plays / 2 Likes / 0 Comments
This video picks up after the environment setup and adds some automated checks. I start with a quick description of the domain, continue with a few tests, refactor the tests and work a bit on the…+ More details
Integer Rpn Calculator: Setting Up The Environment13:04
295 Plays / 2 Likes / 0 Comments
This is the first in a video series demonstrating TDD and Objective C using XCode 3.x. In this video we create a new iPhone project, add a unit test project and also a static library for the iPhone…+ More details
2,013 Plays / 13 Likes / 0 Comments
Getting an environment setup so you can practice TDD while you create your million dollar iPhone app.+ More details
Extracting Dice class from DiceGame15:36
452 Plays / 0 Likes / 0 Comments
Extract the "raw" vector code into a Dice class and use std::for_each, std::accumulate and std::tr1::bind.+ More details
Dice Game Part 2. Creating the basic DiceGame28:36
651 Plays / 1 Likes / 0 Comments
Create a basic DiceGame class, introduce a test double for testing and use shared_ptr to deal with memory allocation.+ More details
4,034 Plays / 3 Likes / 0 Comments
This is the first in a series of videos demonstrating TDD in C++ using the Eclipse CDT and CppUTest.+ More details
Browse Videos
Here are all of the videos that Brett L. Schuchert has uploaded to Vimeo. Appearances are videos that Brett L. Schuchert has been credited in by others.


text: POPSUGAR Fashion Jonathan Saunders Jonathan Saunders Spring 2009 Runway Show by philleif 9/07/08 0 Reactions 0 Shares Print 0 0 0 0 0 Previous Photo 1 of 91 View on One Page ADVERTISEMENT ( more slides) Next What's Your Reaction? Thanks for your reaction Don't forget to share this with your friends! 0 0 0 0 0 0 1 Jonathan Saunders Spring 2009 Runway Show 0 0 0 0 0 Read More New York Fashion Week Spring Summer 2009Spring 2009GalleryRunwayJonathan Saunders Jonathan Saunders Kate Middleton Gives Us Serious Coat Envy In Jonathan Saunders 5/29 Did Anyone Outdo Lady Gaga at the Women of the Year Awards? 11/12/13 Jonathan Saunders Spring 2013 9/16/12 Jonathan Saunders Spring 2013 9/16/12 Zoe Saldana Is the Latest Crop Top Enthusiast — and We're Loving It 7/23/12 Jonathan Saunders Fall 2012 2/19/12 Anna Wintour Raises Top Funds For Obama, Jonathan Saunders Wins British Fashion Fund, & Gwyneth Covers the New Harper's Bazaar 2/01/12 Get chic with our daily newsletter Enjoy street style trends, runway looks, and the best in celeb beauty in your inbox. Beauty Tips Celebrity Style Street Style Fashion & Beauty News Sign up with What's Your Reaction? Thanks for your reaction Don't forget to share this with your friends! 0 0 0 0 0 0 0 0 0 0 0 0Reactions Link Love The designers shared what they're coveting this holiday season — Who What Wear There's an art to waiting in line on Black Friday — HuffPost Style One day, Victoria Beckham walked into Claire's . . . — InStyle John Galliano will present a very important award to Anna Wintour — The Cut We're dreaming about these Comme des Garcons sneakers — Style.com Eva Chen actually fainted when she saw Karl Lagerfeld — Lucky Burberry's Pre-Fall collection is chock-full of coats — Fashionista Lululemon's limited-edition collection is sparkling — literally — Racked Forget tights. Forget knee-highs. It's all about ankle socks — The Fashion Spot Latest Fashion


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UB's union approves resolution to make UB Foundation more transparent
The Buffalo Center Chapter of the United University Professions (UUP), UB's union representing academic and professional employees, came to a resolution last Friday requesting the UB Foundation (UBF) be more transparent in and accountable for its financial decisions.
UBF is a non-profit, private organization that handles the millions of dollars in donations UB receives annually. The organization legally does not have to disclose any financial records because it is a separate entity from UB.
The resolution states: "Accountability and transparency in decisions regarding spending for public purposes by public officials is vital to maintaining public trust and excellence in public institutions such as the University at Buffalo. Be it resolved that the Buffalo Center Chapter of the UUP requests that University at Buffalo demonstrate its leadership in public accountability and transparency by making available records of budgets, revenue, spending, and related policies involving UB Foundation funds as if those records were subject to the proposed FOIL legislation."
The Spectrum contacted UBF Executive Director Ed Schneider, who said he was unfamiliar with UUP's resolution. He said he "welcomes the dialogue" but declined comment for the time being.
"Though technically UBF and its affiliates are private, the money they are stewards over has been contributed, one way or another, mostly by New York State citizens," said James Holstun, an English professor and member of UUP. "The owners of UB, like the owners of SUNY, are the citizens of the state and they have the right to know how their state university is being run - and if it's being run in an honest and responsible way or an irresponsible way."
Martha McCluskey, a law professor, faculty senator and member of UUP, brought the issues forward at a UUP meeting. She said UUP supports the proposed New York State legislation that would include foundations like UB's under the definition of a "state agency." According to the law, these entities would be subject to Freedom of Information Law (FOIL) requests.
Jim Serwinowski, UUP's communication officer, said the resolution was met with support from the majority of those who attended the meeting. He said he couldn't speak on behalf of UUP but he could as a union member.
"We don't have any power to do anything. We aren't an oversight committee or anything like that," Serwinowski said. "It was more in line to keep what is in the best interest of people involved with the university. [UUP] want[s] to see that the money isn't being funneled to different groups who are opposed to university initiatives."
Holstun said he was heavily involved in both this resolution and the Faculty Senate's similar decision in December 2013. He said informing the UB community about this pressing issue is important and that is one reason he is passionate about this initiative.
"We work at a university. And at a university, ideas are supposed to matter, not just corporate power," Holstun said. "We are trying to remind the UB administration in Capen Hall that they run a university, too. It's not all about power and secrecy and who has the most money. And it's not all about profits; it's about education."
Holstun spoke at the meeting in favor of the resolution. He told union members of various UBF happenings in the news, including an illegal $2,560 campaign contribution UBF gave Congressman Chris Collins. The matter was resolved with Collins' campaign returning the money to UBF.
"People can invoke the idea that this is a private corporation. But it isn't a private corporation without any responsibility," Holstun said. "It is a big pot of money, and the people who are supposedly the stewards of it need to be transparent to the people whose money it is. It's as basic as that, and it's time for a change."
Paul Zarembka, a former president and grievance officer for academics of the UUP and current member of the union, said the resolutions are used to "guide an institution as to its program of action."
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Troubled borrowers brighten after Wells Fargo annual meeting
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- Mark Calvey
- Senior Reporter- San Francisco Business Times
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Wells Fargo's annual meeting in San Antonio April 29 provided a forum for troubled borrowers seeking loan modifications to speak directly with CEO John Stumpf and talk with customer service reps afterward.
In recent years, the annual shareholder gathering has underscored how differently the world looks when assessing Wells Fargo's progress in making loan modifications, depending on whether you are the CEO or a borrower working with one of the bank's employees.
This year Stumpf told investors attending the meeting that Wells has forgiven $8 billion in mortgage principal, more than any other bank.
Stumpf also explained that in many cases, Wells has no right to forgive principal because the bank doesn't own the loan. As one of the nation's biggest mortgage servicers, Wells (NYSE: WFC) is often collecting mortgage payments and distributing the money to the owner of the loan.
The Wall Street Journal's coverage of the annual meeting, titled "Mortgage complaints overrun Wells Fargo shareholder meeting," pretty much summed up the tone of the event. Troubled borrowers traveled from as far away as California and New York City to share their frustration in seeking mortgage modifications from the bank. Some traveled to a nearby Wells Fargo branch to protest the bank's foreclosure practices. Unlike the scene at prior annual meetings, no protesters could be found outside the annual meeting at the "secluded" Hyatt Regency Hill Country Resort and Spa, the San Antonio Express-News reported.
Among those speaking up at the annual meeting were Fascia Edwards and Roxanna Zamora, who trekked to Texas from Chicago and Southern California, respectively, to express their frustration in getting their mortgages modified. I spoke to both women at length as part of my coverage of the annual meeting.
Edwards, who says she suffers from a herniated disc stemming from workplace violence, told me she wants to see Wells create a special office within the bank to work with disabled borrowers seeking loan modifications.
While I was on a layover at the Dallas airport the day after Wells Fargo's San Antonio meeting, Edwards called to tell me, "Wells Fargo called me yesterday afternoon to say they want to help me find a resolution to my situation. That's the first time the bank has used that word, 'resolution.'"
Zamora spoke to the Los Angeles Times ahead of the meeting. The newspaper reported April 29 that she "acquiesced" to several major requests from Wells Fargo over the years as she sought easier loan terms. The Whittier resident, who is fighting Stage 4 breast and spinal cancer, told the L.A. Times that Wells insisted she divorce her estranged husband to qualify for a loan modification. But Zamora said the divorce also ended her medical insurance, which she had received from her husband's employer. Zamora told the Los Angeles newspaper she also spent $3,500 to file for bankruptcy protection after a bank executive told her it was a necessary step to get her loan terms eased.
"I did all this and still they deny me," Zamora told the L.A. Times from Texas.
Shortly after the annual meeting, the L.A. Times updated its report on Zamora's "tangled case," saying that her mortgage was owned by Fannie Mae, which doesn't permit principal reductions on troubled mortgages.
Wells Fargo spokesman Tom Goyda told the L.A. Times that the bank has put in "six years of effort to resolve this. We had team members at the annual meeting to sit down with people like Ms. Zamora and try to find an option to avoid foreclosure, if that can be done."
I stood nearby as Zamora spent about an hour with the Wells Fargo customer service team. After the meeting, Zamora told me she was hopeful that she had made progress in getting a loan modification. She was clearly excited that Wells promised her a single point of contact at the bank. Earlier in the day she had told Stumpf at the annual meeting, "If cancer doesn't kill me, Wells Fargo will."
Mark covers banking and finance.
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DFW's Monday night LGBT bowling league for over 30 years!
- September 8th First Night of Fall League
7:00 p.m. Organizational meeting behind lanes 50-58
6:00 p.m. Optional early check-in behind lanes 50-58
We are expecting to be completely full for our Fall 2014 league. Please contact us if you want to inquire about being added to our waiting list!


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Vesak and the Eight Precepts
page 1 of 10
Buddha Day
Vesak is an uposatha day of observance for Theravada Buddhists in many Asian countries. It celebrates the birth of Buddha and his enlightenment. Buddhists in all parts of the world can mark this special day in a variety of ways, but the chief of them is following the Eight Precepts. This "Buddha Day", fast and meditate on these principles of conscious conduct.
6 Meditation Lessons from MonksMonks of the Buddhist religion practice meditation for enlightenment and heightened...
Choosing Reality: An interview with B. Alan Wallace...Buddhism is a rich spiritual and religious tradition that is growing rapidly...
Creating a Space for Awakening to OccurThe need to end conflict, in too many places throughout the world, is immediate;...
Synagogue Attack in Jerusalem Raises ConcernsA recent synagogue attack in Jerusalem raises concerns on the safety of worship.


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Just Your Run-Of-The-Mill Seal Family
Like I said this is NOT a woman with bodies in her basement, this is a SEAL. FAMILY.
[via The Chive]
Watch your favorite clips and leave suggestions for next week's pick.
More puke, injury, and titties than your precious soul can handle. Download for iOS and Android.
Order "Collas" and "Exposed Arms" on DVD or Blu-Ray.
Not cool, guys. Not. Cool.
Like I said this is NOT a woman with bodies in her basement, this is a SEAL. FAMILY.
[via The Chive]
The kid looks disappointed at the "fun ride" his dad promised him.
[via Uber Humor]
Man, her garter's really in there.
[via The Chive]
Ludacris posing for a picture taken by an adoring fan.
We received hundreds of comments in our most recent Tosh.0 Caption Challenge.
After looking at your likes, we picked the caption above from a comment left by Bruce Griffin.
Don't like it? See other top captions by checking out the comments from Monday's post.
Thanks to everyone who submitted! Come back next Monday at 4pm for another edition.
[photo: WireImage/Getty Images]
It's always nice when the mother of your child sees eye to eye with the lady you bang when you're sick of her.
[via No Way Girl]
Wait… where's their other daughter?
[via Izismile]


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Simply Ming
PONZU SOY VINAIGRETTESeries Website »
Episode Guide »
Oven-Roasted Swordfish with Lentil de Puy Salad & Grilled Ponzu-Marinated Chicken with Orzo Risotto.
Vermont transplant and Guster frontman Ryan Miller seeks out far-fetched friends across the state! Available exclusively online.
A second HD broadcast service offering alternative programming and more content from local and regional producers.


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Save $1,000s this weekend with our black friday preview sale! Click for details
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Drashti Dhami and Vivian Dsena in Madhubala
Drashti Dhami and Vivian Dsena in Madhubala
Courtesy: Drashti Dhami
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Vivian Dsena my superstar,come back soon.
Vivian Dsena u r an amazing actor,superstar!!!!!!!
Vivian Dsena
Vivian Dsena
Vivian Dsena
Vivian Dsena..
Keep smiling alwayz...
Vivian Dsena and Drashti Dhami missing u both
Vivian Dsena god bless you...wish you all the best.,,,,.
Vivian Dsena love u Heart
Missing u...
Come back soon...
Love you Vivian Dsena !!!!
Keep rocking hero!!!!!!!...
Missing u Vivian Dsena, come back with a bang
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our cutie pie hero
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Kuala Lumpur, Malaysia: Asia's Next Events Hub03/01/2012 Skybar at Kuala Lumpur
Viewed as a cultural bridge between the East and West, with multiple international connections from Asian countries such as Singapore and China, Kuala Lumpur, the capital of Malaysia, is rapidly becoming an upcoming centre for international meetings and conventions.
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text: [ Protect Yourself From the Flu Virus This Holiday Season By Kevin Rounce December 14, 2013 December is a time ripe with get-togethers such as company holiday parties, family functions or gathering at crowded shopping malls and the flu virus will be primed to take advantage. Read More|Comment Category: Lifestyle Tags: health Send to a friend! Share on Facebook Share on Twitter Pin it! Reddit This! Share on Tumblr!


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We are here to support your positive and successful experience in Spanish!
Tutoring sessions are intended for 100 and 200 level language students and offer a low-anxiety environment in which to ask questions, prepare for exams and discuss concerns one-on-one with a peer tutor.
Please ask your instructor whether you should be seeking the help of a tutor in particular. If no specifc pairing is advised, simply contact anyone of our collaborating tutors (see list below).
The fine print: Please be aware that tutors cannot help you write your compositions, as receiving help from a more advanced student for written work constitutes a violation of the college's honor code.
Hola! My name is Stephanie Karwacki and I am a second-semester senior (más o menos) with a double major in Spanish and English Literature. I originally planned on a Spanish minor (as it had never been my favorite subject in high school), but taking classes at F&M turned me around completely. I spent two months this past summer in Guatemala and that really reinforced my interest in Spanish. It's more than just a language. As a tutor, I aim to work with students on the finer points of the language, but in doing so, help them understand their own learning style. I am looking forward to working with you all in the upcoming semester!
¡Hola! My name is Dan Rairigh and I am a double major in Spanish and French here at F&M. I am currently a junior and I have assisted with the Spanish Tutoring Program since last term. I am very passionate about Spanish and I really enjoy helping others learn it; it's a spectacular and very useful language! I am currently in my Latin American Literature Seminar, SPA478 Erotismo y Modernidad, with Professor Theumer. Above is a picture of me when I interned at Instituto Cervantes de Paris!
I am often very busy on campus, but I am always open to scheduling an appointment with a student who needs help with Spanish (grammar, vocabulary, etc.). Spanish wasn't always easy for me, which is fortunate in that I appreciate some of the common difficulties that non-native speakers face when learning Spanish. My goal is to help students around those obstacles and find simple ways to remember grammar rules, vocabulary words, or whatever they are struggling with.
I am usually free Wednesday, Thursday, and Friday evenings. If you are free another time during the week and want to check my availability, please send me and email! ¡Hasta pronto!
Hi! My name is Templeton Timothy and I am a Senior double major in Spanish and Psychology. I have lived in Spain twice; once in high school in Zaragoza, and last year I spent the entire spring semester (and much of the summer) in Madrid. I love tutoring because, as someone who is not a native speaker, I find that my methods of learning the grammar rules are very similar to students in the classes nowadays. I look forward to meeting/helping out this semester!
Hola! My name is Justis Wright, and I am a junior here at F&M, who is double majoring in Spanish and Sociology. I have been taking Spanish classes since 6th grade, which has fostered my deep interest and passion for the Spanish language. In the past, I have volunteered as a teaching assistant for Spanish Immersion programs, and I have volunteered as a mentor/tutor for students whose primary language is Spanish. This semester, I am available to tutor on Thursdays from 5:30-7pm. With that being said, I am so excited to work as a tutor this year, and I look forward to helping you all with your Spanish studies!


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'Sailor Moon' Pulls Off a Hat Trick
Third Month at #1
Published: 12/08/2011 01:55am
The first volumes of both Sailor series took #1 and #6 in October (see "'Sailor Moon Still on Top") and #1 and #2 in September (see "'Sailor Moon' is #1").
Note: T he first version of this chart, published on the morning of December 7th, did not include Sailor Moon Vol. 1 due to an error at a company that supplies BookScan with classification data. It correctly appears at #5, as noted above. We had speculated that the reason that volume was absent from the list (since it had been selling so well) was that there were supply problems. There were no supply problems; there are plenty of copies of Sailor Moon Vol. 1 available. –ed.
The Walking Dead had its best showing of this new, bigger TV season, with seven volumes in the Top 20.
DC Comics' Batman: Noel HC, a new release, was the top superhero title at #4.
Craig Thompson's Habibi HC slipped a bit (#7) but stayed in the Top 10 for the third month.
DC is preparing for the release of its New 52 collection in December with the release of the Flashpoint HC collection in November, which charted at #17.
For past BookScan Top 20 Graphic Novel lists, see the "BookScan Top 20 GNs Index."
|Confessions of a Comic Book Guy--You (Don't Necessarily Have To) Have Heart
|Rolling for Initiative--Out of the Box Games: Why The Kickstarter?
|Confessions of a Comic Book Guy--Do Your Research
|'Comics at Columbia' Exhibit Puts Art and Business in Perspective
|Rolling for Initiative--Oh, Joy, Yet Another Kickstarter!
|'Wonder Woman' Director Named
Release Date SetWarner Bros. has announced director, release date for Wonder Woman.
|Full Story


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SIM would like to formally recognize the winners of the 2014 SIM Academic Paper Competition. The first place winners are Brian Janz, The University of Memphis, Tim Meek, CIO, Buckman, Ernest Nichols, The University of Memphis and John Oglesby, Director, Corporate Systems and IT Governance, Buckman, for their paper, "Re-Visioning IT for Value: The Value Stream Initiative at Buckman." The reviewer team consisted of three IT industry leaders and three academic professionals in the IT field. The papers were evaluated based upon five criteria: Innovativeness, Impact, Implementation, Re-applicability and Readability. The winning paper will be presented at SIMposium 2014 in November in Denver. View the press release here.
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12/2/2014SIM Detroit Holiday Party 2014
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12/11/2014Fairfield/Westchester Member's Only Holiday Party
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Waste Tech inc
based in Libertyville, ILLINOIS (USA)
Waste-Tech Inc., specialists in liquid/solid separation technologies, offers FSM perforated fine screens/compactors, CSO screens, PETKUS belt and chamber filter presses and KUNZ trash rakes.
WasteCare Corporation.
based in Gainesville, GEORGIA (US) (USA)
WasteCare has one of the largest and broadest equipment lines of Balers, Compactors, Crushers, Shredders, Grinders, Recycling Equipment, Waste Equipment and related products and services. For over 20 years WasteCare Corporation has embraced a mission statement that has resulted in a clear and solid history of providing unmatched customer satisfaction. WasteCare has ...
Redox Water Technology B.V. & Redox Waste Recycling B.V.
based in Winterswijk, NETHERLANDS
Redox Water Technology B.V. and Redox Waste Recycling B.V. are engineering- and construction organisations in the field of water and waste water treatment and in the field of recycling, in particular sorting lines for solid waste streams. We, engineer, supply and build turnkey plants for customers worldwide. In line with the customer`s wishes, we offer comprehensive ...
Waste Handling Solutions Ltd
based in Warmley, UNITED KINGDOM
Waste Handling Solutions Ltd (WHS) has become one of the UK`s leading suppliers in the field of waste handling equipment. Design flexibility enables WHS to supply a vast range of bespoke equipment to any customers with special requirements, including materials recovery facilities and turnkey projects. With unrivalled knowledge, experience and a dedicated team of sales and ...
Zero Waste Energy, LLC.
based in Lafayette, CALIFORNIA (USA)
Zero Waste Energy, LLC was founded in 2009 and incorporated in 2010 in San Jose, California, by an experienced group of innovative solid waste industry leaders. They recognized the value in the best use of waste feedstock and the systems needed to sort out high value commodities and to generate renewable energy. ZWE's principal goal has been to design, construct, and ...
Energy & Waste Technologies
based in Barcelona, SPAIN
The Energy & Waste group develops its activity within the waste treatment and in the renewable energy sector. In both cases with applying technologies of its own development. Its work involves Research, Development and Innovation (R&DI) of new waste treatments. On the other hand, do technical assistance depending on the characteristics of the stream of each process ...
Wood Waste Technology Ltd
based in Stafford, UNITED KINGDOM
Wood Waste Technology is the leading manufacturer in waste to energy systems, offering the best products and service - guaranteed! At Wood Waste Technology, we help businesses save money or make money by utilising their wood waste, and putting it to good use. We've a range of durable, reliable and easy to use wood waste heaters, to suit all sizes of business, that can ...
Smulders Waste Technology B.V.
based in Mierlo, NETHERLANDS
SWT Waste Technology (SWT) is a real specialist when it comes to waste separation. Under the motto 'Distinctive separation!' the company designs, produces and delivers ready-to-use systems and autonomous working machines for the waste separation sector. Based on years of international experience and innovative thinking, SWT always designs and produces an efficient waste ...
Universal Flow Monitors, Inc.
based in Hazel Park, MICHIGAN (USA)
Universal Flow Monitors, Inc. is an American manufacturer of flow monitoring products ideal for desalination, water and wastewater systems in both municipal and industrial applications. At flowmeters.com we offer specialized metering solutions for a variety of industries. Here you will find high quality mass flowmeters, water flowmeters, lubrication flowmeters and air ...
Sustainable Waste Power Systems, Inc. (SWPS)
based in CONNECTICUT (USA)
Sustainable Waste Power Systems, Inc. (SWPS) has developed a process for converting waste into energy that is economical, clean and profitable. SWPS utilizes our patent pending integrated gasification combined cycle technology to produce clean energy using waste materials such as garbage and sewage. Around this technology, SWPS has designed a modular GIPO Plant – Garbage ...


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The Church of the Covenant is a Christian Church that believes that the family is the most important and fundamental unit of our faith. We believe God has placed a special call in this congregation to reach out to the young families of...
Church of the Covenant Preschool offers three different class formats. Three year olds, four year olds, and a transition class. Three Year Old Classes (by September 1) AM session Tuesday and Thursdays 9:30-12:00 PM session Tuesday and...
It's Celebration Time What a year in the life of The Church of the Covenant! How special it is that our church has now been ministering to the Washington community for over 50 years! And there's another reason to celebrate as our...
Check your lists twice–take the day off–Mark your calendars because you don't want to miss the children's Christmas Programs. They are just too cute!
December 18th–The T-TH children will get you in the holiday spirit with songs, poems and finger-plays. Time—10:00 in the Covenant Center. Don't forget your cameras!
The afternoon session will also attend the morning. Classroom doors open at 9:30.
December 19th–The Transition classes and all of the 4 year old classes will be putting on a Christmas play called "Step by Step". They will share with you the story of baby Jesus. Times are 9:30 and 1:00 in the Covenant Center.
Stay after all shows and share in some fellowship and refreshments. Bring the entire family!
Read More
Preschool Thanksgiving break is November 26th-December 1st. Classes will resume on December 2nd for the threes and transition classes.Read More
Gobble! Gobble! Gobble! Our Thanksgiving Feasts are on November 24th and November 25th.
Thank You God this happy day, for food and home and friends and play. Amen.Read More
Dolly Parton Reading /Book club–your child will receive free books until they are five. Sign -up on the web! Enjoy your time with your child and cuddle up with a good story.Read More
We would like to welcome this new program into the preschool. This program is all about fitness and nutrition education for preschoolers. A certified Fitness Specialist, Miss Jamie, will exercise with the children once a month for each age group. The children will work to master their FUNdamental motor skills, improve their level of fitness, and continue to develop cognitive, physical and social skills. This program is a supplement to what we teach here at the preschool. There are different themed activities that will challenge and enrich your children.
We are so excited to bring this program to the children. LET'S BE FIT AT PRESCHOOL!Read More


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Job for a Cowboy
'Sun Eater' is the fourth full-length album from Job for a Cowboy, and was released last week. The response has been overwhelmingly positive and has led to a #91 debut on the Billboard Top 200 Chart!Read More
King Diamond
King Diamond's 'Dreams of Horror' was released last week and has debuted at #28 on the Billboard Hard Music charts!Read More
Between the Buried and Me
Between the Buried and Me has confirmed two headlining shows in Mexico for next year. The band will be heading to Guadalajara and Mexico City on the 20th and 21st, respectively.Read More
Thomas Giles
Thomas Giles is set to released 'Modern Noise' on November 25th, 2014. Today, AbsolutePunk.net has been tapped to debut a different sounding cut from the album. The electronically-driven 'We Wander Lonely' is streaming now.Read More
RAM / Portrait
Swedish heavy metal titans RAM and PORTRAIT join forces for a split album entitled 'Under Command' to be released the 8th of December! PORTRAIT have now released their cover of RAM's 'Blessed To Be Cursed'!Read More
Thomas Giles
Thomas Giles, the solo project from Between the Buried and Me front man, Tommy Rogers, is set to released 'Modern Noise' on November 25th, 2014. Today, All Music is set to debut a brand new music video from the album!Read More
Rivers of Nihil
On the eve of Rivers of Nihil's upcoming tour with Death (DTA Tours), the Reading, PA based metal act have launched a brand new video, 'Place of Serpents'.Read More
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Ensiferum to begin recording sixth studio album next month!
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- August 20th, 2014 – Oderus is missing. Once the Scumdogs in GWAR...Read More


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Policies & Fees
- You must present a photo ID when checking in.
- Your credit card is charged at the time you book.
- Bed type and smoking preferences are not guaranteed.Your reservation is prepaid and is guaranteed for late arrival.
- The total charge includes all room charges and taxes, as well as fees for access and booking.
- Any incidental charges such as parking, phone calls, and room service will be handled directly between you and the property..
Special Check-in Instructions
- Extra-person charges may apply and vary depending on hotel policy.
- Government-issued photo identification and a credit card are required at check-in for incidental charges.
- Special requests are subject to availability upon check-in and may incur additional charges. Special requests cannot be guaranteed.
Property amenities
- ATM/banking
- Accessible bathroom
- Accessible path of travel
- Babysitting or childcare
- Bar/lounge
- Conference space
- Dry cleaning/laundry service
- Elevator/lift
- Express check-out
- Fitness facilities
- In-room accessibility
- Indoor pool
- Laundry facilities
- Meeting rooms
- Number of floors - 2
- Number of meeting rooms - 3
- Porter/bellhop
- Restaurant
- Roll-in shower
- Sauna
- Smoke-free property
- Spa tub
- Total number of rooms - 79
- Tours/ticket assistance
- Wired (high-speed) Internet access - surcharge
- Wireless Internet access - surcharge
Property Location
With a stay at Adina Apartment Hotel Adelaide Treasury, you'll be centrally located in Adelaide, steps from Victoria Square and Adelaide Town Hall. This 4.5-star hotel is within close proximity of Westpac House and Adelaide Central Market.
Make yourself at home in one of the 79 air-conditioned rooms featuring kitchens with refrigerators and stovetops. 32-inch LCD televisions with pay movies provide entertainment, with wired and wireless Internet access available for a surcharge. Conveniences include safes and desks, and housekeeping is provided daily.
Rec, Spa, Premium Amenities
Enjoy a range of recreational amenities, including an indoor pool, a spa tub, and a sauna. Additional features include wireless Internet access (surcharge), babysitting/childcare, and tour/ticket assistance.
Satisfy your appetite at the hotel's restaurant, which serves breakfast, lunch, and dinner, or stay in and take advantage of room service (during limited hours). Quench your thirst with your favorite drink at a bar/lounge.
Business, Other Amenities
Featured amenities include high-speed (wired) Internet access (surcharge), express check-out, and dry cleaning/laundry services. Event facilities at this hotel consist of conference space and meeting rooms.
Hotel description provided by our hotel booking partner, EAN.


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Rajyotsav event to conclude on November 5Published by on
As per the announcement of Chief Minister Dr Raman Singh, three-day exhibition of Rajyotsav 2014 organized at village Tuta of Naya Raipur has been extended for two days. Now this exhibition will conclude on November 5. Chief Minister made this announcement on November 1 during the inaugural programme, in view of the commendable preparation done by various departments and the huge crowd of visitors pouring in at the stalls put up by these departments. This exhibition has been organized at Dr Shyama Prasad Mukherjee Capitol Complex.


text:
- Age / Gender:
- n/a, Male
- Location:
- az
- Joined:
- 12/24/09
- All Stats >
User Statshot
- Community Stats
Level 6 Blank Slate
Normal Whistle
Ranked as Civilian
Contact Info / Websites
Recent Game Medals
SECRET MEDAL 10 Points Unlock this medal to see it's details. Medal Stats.
SECRET MEDAL 25 Points Unlock this medal to see it's details. Medal Stats.
SECRET MEDAL 25 Points Unlock this medal to see it's details. Medal Stats.
Screw you Asimov 25 Points Mindchamber survives the battle Medal Stats.
SECRET MEDAL 5 Points Unlock this medal to see it's details. Medal Stats.
C-C-Combo Breaker 10 Points "Parry" the attack to save the Alien Medal Stats.
Hail to the King 5 Points Support Pico Day Medal Stats.
Erotic Bonus 10 Points Find the erotic scene in the Character Info Menu Medal Stats.
Change of Perspective 10 Points Evade "A" freezing death Medal Stats.
RT I like it 25 Points Gigantor survives the battle Medal Stats.
Total Medals Earned: 47 (From 8 different games.)
Favorite Audio
|~SW and CS~ Cranial
|Dubstep Song
|ParagonX9 - Chaoz Fantasy
|Drum N Bass Song
|Back to the flashback
|Trance Song
|[Jay T] - Poundcake!
|Dubstep Song
Favorite Movies
Captain Handicapped Rated 4.0113 Stars A new hero is born! Comedy - Original Make A 'Mon Out Of You Rated 4.4356 Stars Let's get down to grinding. Comedy - Parody E-Fame Survival Guide Rated 4.4745 Stars This guide tells you all you need to know on how to be Internet Famous!!! Comedy - Original Animator vs. Animation IV Rated 4.6812 Stars The Second Coming of The Chosen One. Comedy - Original
Favorite Games
The Last Stand Union City Rated 4.4962 Stars Scavenge, shoot and survive through Union City in this sprawling zombie action RPG Action - Shooter - Run 'n Gun Front2Back Rated 3.6447 Stars A tricky, braintwisting platformer! Action - Platformer - Puzzle The Room Tribute Rated 4.4671 Stars This game is our love letter to the greatest movie ever made. Adventure - Point 'n Click Artist's guide to the Gun Rated 3.9535 Stars A thorough, no-nonsense guide to creating and animating realistic firearms in Flash! Tutorial


text:
I am looking for help with precalculus.
Hi, I'm currently in an Intro to Finance class at my school, and have a WACC and Capital Budgeting Excel project due on Tuesday. I would like to meet on Friday or Saturday to work on the Excel project
I have a student who is preparing for the TEAS exam and would like 10-15 hrs of tutoring from now until January 10th.
I am looking for a Spanish teacher for my 7-year-old son.
I have a son in 5th grade and he is having comprehension issues in reading.
Hello, we are looking to strengthen our 6th grader's math skills.
I'm looking for a Spanish tutor.
I'm interested in learning to sew.
I am looking for ACT/SAT tutoring.


text:
Does your dad think spyware is James Bond's tux? When you tell him to be careful about phishing, does he ask you about mercury levels in the lake? When you remind him to clear the cookies on his PC, does he remind you he doesn't eat in the office?
If you answered yes to any of these, it may be time to give Dad a lesson in cyberspeak.
Shopping around for a home loan will help you get the best financing deal. A mortgage is a product, so why not apply the same tactics you use before you make any other major purchase? The cost of a mortgage depends on your credit history, and involves rates, points, fees, private mortgage insurance, and other factors, so it's best to compare, compare, compare.
The Federal Trade Commission (FTC) is the nation's consumer protection agency. The FTC works to prevent fraudulent, deceptive and unfair business practices in the marketplace.
Share Our Resources. Here's How >
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text:
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Sweet, tangy dressing. I had never heard of pomegranate molasses but it was well worth the hunt to find this ingredient and found it at an international market. The dressing was part of a Bobby Flay salad recipe using spinach, blue cheese and apples. Nice alternative to Italian dressing and makes a great marinate for chicken.
Units: US | Metric
Serving Size: 1 (228 g)
Servings Per Recipe: 1
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pomegranate molasses
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Our timely perspectives on key global economic forces and the long-term investment strategies to consider, highlighted by the Monthly Market Monitor.
Latest Insights
Latest Insights
Tired of being scared yet?
Richard Bernstein, November 2014
Bull markets are based on climbing the proverbial "wall of worry," and this cycle has been no different.
It's time for your portfolio to break from tradition
Kathleen Gaffney and Kevin Dachille, November 2014
Given the current low-yield environment and with rising interest rates looming, now may be the right time to consider new strategies for generating favorable returns in your fixed-income portfolio.
Confronting the tax drag
Tom Metzold, Jim Evans, Lew Piantedosi, Peter Crowley; November 2014
The 2014 tax season brought home the unwelcome reality of higher taxes, particularly for high-income earners. The impact of higher taxes on their investment returns can be substantial now and in the years ahead. Left unchecked, taxes can consume a quarter or more of every dollar earned by the average investor.
Is your portfolio truly diversified?
Eric Stein, CFA; November 2014
In this Insight, Eric Stein, co-director of Eaton Vance Global Income Group, discusses the potential benefits of absolute return strategies, what they invest in and the role they can play in investor portfolios.
What the U.S. midterm elections mean for municipal bond investors
Municipal Insight Committee, November 2014
In this timely Insight, we focus on five states where the outcome of the elections may impact state credit quality – positively and negatively – in the near future.
A Republican Congress Awaits – But First the Lame Duck Session
Andrew H. Friedman, November 2014
In this timely Insight, Andy Friedman details how the House and Senate chambers might view compromise differently and the unfinished business that awaits them next month.
Three reasons why commodity-related debt may hold value under pressure
Kathleen Gaffney, November 2014
In this timely Insight, Kathleen Gaffney discusses how a flexible multisector bond strategy can be a great way to gain exposure to, and take advantage of, potential value opportunities in hard-hit commodity related debt.
The importance of country allocation: Developed vs. emerging markets
Tim Atwill and Greg Johnsen, October 2014
Parametric Emerging Markets: Evolution of the sector weighting process
October 2014
The Big Dig economy: another fine mess
Thomas Shively, October 2014
The following Insight, drafted prior to the recent spike in market volatility, is an update on Thomas Shively's cautious view of the economic backdrop here and abroad.
Hexavest viewpoint: negative on the eurozone
Marc Christopher Lavoie, October 2014
Management by the dots signals tightening cycle
Payson Swaffield, October 2014
This October marks a milestone for the credit markets, the end of Quantitative Easing. As the Federal Reserve's focus shifts to more traditional monetary policy, they're using a new "dots" chart format.
Tobacco bonds' appeal may be smoke and mirrors
Tom Metzold, Cindy Clemson, and Leanne Parziale; October 2014
Despite attractive returns, tobacco bonds may be too risky for many investors. In this Insight, we compare these bonds with traditional municipal bonds and pinpoint what matters most now for investors in this sector.
The appeal of high-yield munis may increase
Cynthia Clemson and Thomas Metzold, October 2014
Higher taxes are a rude awakening for many investors. For high earners especially, the tax rates on investment income have risen substantially. Increased taxes, combined with historically low yields and the prospect of higher interest rates, now pose a triple threat.
Volatility Update
Richard Bernstein, October 2014
After a relatively quiet summer, broad financial market volatility has resurfaced and investors are wondering what to do.
Is "smart beta" smart enough?
Richard Bernstein, October 2014
Investors have become fascinated with so-called "smart beta1" strategies. These strategies can be interesting, but they are hardly a panacea that will solve all investors' problems. The term "smart beta" is somewhat new, but the strategies have existed for decades with relatively mixed performance.
1Beta is a measure of risk that shows a fund or strategies volatility relative to that fund's stated benchmark. A fund or strategy with a beta of 1 performed exactly like the market index; a beta less than 1 means its performance was less volatile than the index, positive or negative. Smart beta may also be known as advanced beta, alternative, strategic and factor weighted beta.
How's the market feeling these days?
Edward J. Perkin, October 2014
As of September 30, 2014, the S&P 500 was up more than 200% from its bear market low on March 9, 2009 – marking one of the longest bull runs since 1930. Meanwhile, volatility (muted for most of this year) has picked up recently.
Are you managing volatility?...or is it managing you?
Tim Atwill, Richard Bernstein, Eric Stein, Chris Sunderland, Brad Godfrey; September 2014
Research shows investors' personal returns fall short of the equity markets' actual returns because investors too often make the mistake of buying high and selling low. But there are several strategies investors and their advisors can draw on to take a more disciplined approach to investing.
Are munis the cure for yield-starved investors?
Richard Bernstein, September 2014
Today, many volatility-wary, yield-starved investors fear that rising interest rates will devastate their income portfolios and wonder which asset class may be best to navigate this market and address the challenges they face.
Corporate inversions: a primer
Andrew H. Friedman, September 2014
Read this quick primer, see why there's spirited debate about tax inversion in the U.S. and what it all means to you.
A way to address higher taxes and rising rates
Craig Brandon and Adam Weigold, September 2014
One of the top challenges for yield-starved, tax burdened investors today is finding attractive, tax-efficient short-term income opportunities while being mindful of higher taxes. For investors comfortable with the risks involved, municipal floating-rate notes (FRNs) may be a suitable choice to help address these needs — and more.
Dynamic markets call for flexible strategies
Richard Bernstein and Kathleen Gaffney, September 2014
Historically low yields, recurring market volatility and other challenges have increasingly enhanced the appeal of investment strategies that take a more flexible approach to investing.
Is style box investing holding you back?
Richard Bernstein and Kathleen Gaffney, September 2014
In today's market environment, tethering your portfolio to a style box or a benchmark could potentially lead to volatile investment returns when those asset classes or investment styles fall out of favor. Consider taking a flexible approach, which looks at the entire spectrum of equity and fixed income assets, to widen your opportunity set and further diversify your portfolio.
Inclusion of Chinese A-shares in MSCI Indexes: Our perspective
Timothy Atwill and Thomas Hardy; August 2014
Four reasons to consider a trust to protect your assets
Andrew Friedman, August 2014
For many years, trusts have been the province of the wealthy — mysterious vehicles used to escape taxes and preserve assets for future generations. And for couples with joint assets approaching or exceeding $10.68 million (the current gift and estate tax exemption amount), a comprehensive estate plan that incorporates trusts is crucial for minimizing estate taxes.
Toward the sounds of chaos
Richard Bernstein, August 2014
Investors continue to react to volatility by making emotion-driven decisions that take them out of the market and put their long-term financial goals at risk.
Don't ignore higher taxes until Tax Day
Municipal Insight Committee, August 2014
During the 2013 tax season, many investors in higher tax brackets were rudely awakened to the reality of paying 50% of their income in federal and state taxes. Given the new tax landscape, the federal tax advantage income municipal bonds provide may look more appealing than ever.
Assessing whether Washington is ready to tackle tax reform
Andrew Friedman, July 2014
Everyone wants a simpler tax code and lower tax rates. But getting Democrats and Republicans to agree on the path to reform seems impossible. Circumstances – like the loss of U.S. jobs because of high corporate taxes – may eventually demand Congressional action.
Lack of corporate hubris means elongated cycle
Richard Bernstein, July 2014
Despite the general consensus that a bear market is on the horizon, we do not think investors or corporations are yet setting the stage for an end to this bull market and the start of the next economic recession.
Floating-rate loans are not just a rate hedge
Scott Page, Craig Russ, Christopher Remington; July 2014
The prospect of higher interest rates has many advisors and investors considering floating-rate loans. Because loans' coupons regularly reset, these debt instruments can maintain their value even as rates rise. But the characteristics of loans, as well as their performance track record, suggest they may deserve a place in strategically allocated portfolios in any interest-rate climate.
Earn equity-like returns without equity-like risk
Michael Weilheimer, Steve Concannon, Will Reardon; July 2014
High-yield bonds offer investors the potential to earn total returns comparable with equities without the level of volatility stocks have. While many income investors are naturally concerned about the prospects of higher interest rates, high-yield bonds have a set of characteristics that may enable them to maintain their value even as rates rise.
An allocation to currencies may provide income and lower an overall portfolio's volatility
Michael Cirami, Eric Stein, John Baur, Matthew Murphy, Bradford Godfrey; July 2014
Most investors understand the benefits of diversification and the risks of owning just one security. But many overlook the benefits of broadening their currency exposure and have all their investments concentrated in the U.S. dollar. Investing in a mix of foreign currencies may lower the risks of an overall portfolio, provide additional sources of income and can potentially enable investors to pursue a wider array of opportunities around the world.
Solving the Income Puzzle
Christopher Remington, Michael Cirami, Kathleen Gaffney, and Scott Page; July 2014
With interest rates at near historic lows, investors are starved for income. Government bonds and high-grade corporates have generally been the core of investors' income portfolios, but yields on these bonds are minimal. Delivering a potential double whammy for investors, the prospect of rising interest rates could bring principal losses because the prices of bonds in these core sectors are highly sensitive to changes in interest rates. Diversifying into nontraditional income sectors may provide investors with greater income and lessen their exposure to interest-rate risk.
Country Allocation: The Primary Determinant of International Equity Returns
Marshall L. Stocker, June 2014
Macro-economic policy explains country-level equity returns
Marshall L. Stocker, June 2014
Edward Perkin is Eaton Vance's new Chief Equity Investment Officer
June 2014
In April 2014, Edward J. Perkin joined Eaton Vance as the firm's new Chief Equity Investment Officer. He recently sat down for a Q&A to discuss his background, leadership style and vision for the Eaton Vance equity team, as well as his outlook on the stock market.
Assessing the impact of the midterm primaries
Andrew H. Friedman, June 2014
The success of moderate Republicans in Senate primaries increases the possibility that the GOP can win a majority of the seats in the Senate. The defeat of House Majority Leader Eric Cantor by a Tea Party-supported candidate will likely result in the House's Tea Party members being able to exert much greater influence on positions the House leadership takes.
Hexavest neutral on Japan
Frédéric Imbeault, June 2014
The policies of Japanese Prime Minister Shinzo Abe – known as "Abenomics" – succeeded in pushing the country out of recession and deflation. But further economic reforms are still needed, and other key economic and market indicators remain mixed.
Worried about the downside?
Richard Bernstein, May 2014
In most investors' minds, losing money is the biggest risk they fear. While many still seem unwilling to take on excessive risk with equities, their solution to managing risk seems to be broadening the number of asset classes they own. But looking at correlations, not the number of asset classes in a portfolio, may be the best way to seek protection from the downside risk of equities.
Floating-rate loan core value remains, despite headlines
Scott Page, Craig Russ, and Christopher Remington; May 2014
The bankruptcy of Energy Future Holdings, the company formerly known as TXU, made headlines, as has other seemingly cautionary developments in the floating-rate loan market. But Eaton Vance still believes there are plenty of opportunities in the loan market for cautious investors who do fundamental credit research.
How to tame an aging bull market
Bill Hackney, May 2014
The bull market that began in March 2009 is now 5 years old. We don't see any signs that it will let up, even though economic growth remains low. With rallies this prolonged, managing risk becomes even more important. Active share, beta and downside capture ratio are three key measures advisors and investors can use to evaluate an asset manager's ability to capture the opportunities and manage the risks associated with this type of market.
Puerto Rico: what investors should watch for next
Municipal Insight Committee, May 2014
In February, the three major credit ratings agencies (S&P, Moody's and Fitch) downgraded Puerto Rico's general obligation (GO) rating to below investment grade, primarily citing the territory's difficulty in accessing capital markets, its heavy debt load and a continued decline in its economy.
Muni bonds' appeal likely to be evident in 2014
Municipal Insight Committee, April 2014
2013 proved to be a difficult year for the municipal bond market with a few, high-profile negative news stories and fears that Fed actions could lead to higher interest rates. But 2014 offers a more promising scenario. Higher tax rates, in particular, are likely to cause more investors to realize the appeal of investing in tax-advantaged bonds.
A Classic Barometer
Richard Bernstein, April 2014
With the yield curve in the United States still steep by historical standards, there should be ample liquidity in the economy to fuel further growth. Generally yield curves in emerging markets, however, are either flat or inverted, a situation that could create liquidity issues and curb economic and profit growth in these markets.
Investing in the Wake of the "Great Moderation:" Floating-Rate Loans as a Strategic Allocation
Scott Page, Craig Russ, Christopher Remington; April 2014
Floating-rate loans deserve consideration as a strategic portfolio position today because they may help:
- Boost income in a low, flat-rate environment with yield potential that's competitive with or greater than many longer-duration fixed-income investments.
- Protect fixed-income portfolios against a potential rising-rate scenario and the erosion of fixed-income values that would result.
- Reduce portfolio risk with historically near-zero duration and low correlation with other fixed-income sectors.
Have you looked at India lately?
Eric Stein, Patrick Campbell; March 2014
In our judgment, it's time to remove India from the ranks of the so-called "Fragile Five" emerging-market countries. We believe the strong investment case to be made for India today underscores the importance of taking a country-by-country approach to emerging-market investing.
The Midterm Elections (And a Peek Toward 2016)
Andrew H. Friedman, March 2014
With fiscal deadlines out of the way for 2014, attention is now turning toward the 2014 midterm elections. This white paper covers a variety of Washington political matters: the reason for rampant partisanship in Washington and what it means going forward, what is likely to happen in the midterm elections and a glimpse toward the presidential election of 2016.
Eaton Vance Viewpoints: Timothy Atwill on "Systematic Alpha" Investing
Timothy Atwill, March 2014
Timothy Atwill, CFA, Ph.D., Director – Research and Strategy for Parametric, discusses Parametric's innovative investment approach — known as "systematic alpha" — and its application to emerging-market investing.
The American Industrial Renaissance Revisited
Richard Bernstein, Q1 2014
It remains unlikely that the United States will be the manufacturing powerhouse that it was during the 1950s and 1960s, but many factors are suggesting that the U.S. industrial sector will continue to gain market share.
Consider paying a premium for municipal bonds: Focus on yield to worst rather than a municipal bond's price
Municipal Insight Committee, March 2014
- The price of a premium municipal bond should not be the sole determinant of value
- Yield to worst is a meaningful metric to help determine the value and risk of a premium municipal bond
- In rising rate environments, higher cash flows from a premium municipal bond may help to protect purchasing power
Market Share: The next secular investment theme
Richard Bernstein, Q1 2014
A myopic focus on profit margins may miss an important investment consideration. Whereas most investors remain fearful of margin compression, we prefer to search for an investment theme that could emerge if margins do indeed compress.
Equity Bubble? No.
Richard Bernstein, Q1 2014
A growing contingent of market observers is fearful that the U.S. equity market is in some sort of a bubble. We disagree completely with this notion. A strong market rally that many investors have missed is hardly sufficient grounds for a financial bubble.
Bond investing in a rising rate environment
Kathleen Gaffney, February 2014
After a transitional year like 2013, when a multidecade declining rate environment moved to a rising rate environment, we think it is important for investors to consider a multisector approach to finding value in the bond market. Finding bonds that can appreciate in price regardless of the interest-rate environment is what a multisector strategy generally seeks to accomplish. With interest rates still near historic lows and many bond investors concerned that yields will rise as ultra-accommodative monetary policy by the Federal Reserve (the Fed) comes to an end, we believe it makes sense to hunt for good relative values across a broad range of asset classes, particularly in nontraditional places.
Important dates to watch in 2014
Andrew H. Friedman, January 2014
Looking forward into 2014, four dates – February 7, March 31, April 15 and November 4 – stand out as pivot points for events that could affect the markets, particular industries, and tax and financial planning.
New Year, Same Higher Taxes
January 2014
Investors may be cheering a strong year of stock gains in 2013, but a rude surprise may be right around the corner. For 2013, the combined effect of several tax increases (capital gains, health care and reinstated limitations) will increase the tax burden on many investors by nearly 60%. These higher tax rates will remain in effect for 2014, so mitigating the tax drag on investment returns will continue to be a top priority for investors. We begin our look at what taxpayers can expect with a summary of the new 2013 tax rates.
Key Investment Themes for 2014
Richard Bernstein, January 2014
Richard Bernstein annually publishes a list of investment themes that he believes are critical for the coming year.
Is your inflation protection really protecting you?
Thomas Luster, Stewart Taylor, Kevin Dachille, December 2013
Many investors who own Treasury Inflation-Protection Securities (TIPS) and TIPS mutual funds don't realize that they may be taking a significant amount of interest-rate risk in exchange for their inflation protection, which may result in losses when rates begin to rise rapidly. Investors may consider an inflation-protection investment strategy that avoids longer-term TIPS and seeks real returns through a strategy of using shorter-maturity TIPS and other shorter-duration assets, like floating-rate loans.
Size is a Key Potential Advantage in the Municipal Bond Market
Ralph Studley, October 2013
Individual investors and financial advisors who seek to assemble a municipal bond portfolio on their own are required to navigate a highly fragmented market and assess a myriad of macroeconomic and fundamental factors. But finding the right security is only half the battle. Although independent credit research is a vital component of the selection process, it doesn't guarantee that an investor will trade a municipal bond at the best possible price.


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E3, the Electronic Entertainment Expo, highlights the latest in interactive games.
CNET breaks out the most important things to know when shopping for a new television.
The most important things to know when shopping for a new laptop, hybrid, or Windows tablet.
Ahead of the re-release of Grand Theft Auto V for newer consoles, the game maker's fiscal second-quarter earnings shed light on its growing online business.
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Almost 2 billion people around the world use smartphones -- typically worth hundreds of dollars a pop on the black market. A former smartphone thief explains their allure to street criminals.
The most important things to know when shopping for a camera.
If you're in the market for a tablet, CNET's buying guide will set you on the right path.
Place your bets, folks. Which of these phablets will reign supreme in the battle of design, usability and productivity?
Maps aren't just for navigation. Here's how you can keep track of your trip and share the journey with friends by making interactive maps.
Samsung's high-end Galaxy Tab S tablet comes in two flavors, Facebook Messenger adds big likes and video clips, and an Xbox commercial is turning on people's Xbox One consoles.


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Weigh the pros and cons of technologies, products and projects you are considering.
Weigh the pros and cons of technologies, products and projects you are considering.
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Archiving data in place is becoming more attractive to enterprises because it allows data to be archived on the storage it already resides on.Continue Reading
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Analyst Jon Toigo explains why performing analytics on big data sets means that data is no longer considered cold, reducing the importance of archives.Continue Reading
Archiving methods: Smart meta tags, archive in place and FLAPE
Jon Toigo outlines several archiving techniques, the technologies that make them run smoothly, and explains why data classification is crucial.Continue Reading
What are some downsides to using erasure codes with object storage?
Erasure coding is an effective tool for correcting errors in data systems, but when used with object storage systems, latency issues can arise.Continue Reading
Unified storage array satisfies both block and file fans
Thirty-one percent of storage shoppers have unified storage on their lists; the majority plan to use their new arrays equally for file and block apps.Continue Reading
Storage magazine salary survey 2014 finds compensation flat, but still high
Our twelfth annual salary storage survey shows that in a changing IT landscape, storage expertise is still valued.Continue Reading
Yesterday's unified storage is today's enterprise data lake
How unified storage needs to develop to support new applications and new data center environments.Continue Reading
Data management should be a go-to cost containment storage strategy
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The Storage magazine/SearchStorage 2014 Salary Survey
For 12 consecutive years we have surveyed Storage readers to get a picture of the kind of salaries and benefits data storage expertise commands, and our 2014 salary survey confirms what we've seen over the years: storage pros are well paid...Continue Reading
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Legacy vendors seek better footing in shifting storage landscape
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The Robin Hood Foundation says it is beginning to distribute $50 million in proceeds from last week's benefit concert to organizations helping victims of Superstorm Sandy.
Madison Square Garden spokeswoman Michelle Isaacs said Wednesday the money was raised through ticket sales, merchandising and charitable auctions at the Dec. 12 show, which featured Paul McCartney, Bruce Springsteen and the Rolling Stones. More revenue is expected to come in.
Robin Hood says it is distributing roughly 40 percent of the money to organizations based in New Jersey, with the rest in New York and Connecticut.
The devastating storm tour into the New York metropolitan region on Oct. 29.
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