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In March Navision Software a/s, a Danish provider of financial and business
management software solutions for the small-to-medium enterprises (SME)
market, announced it has signed a global sales and distribution agreement
with Microsoft Corporation Inc. that enables the company's partner network
of more than 900 Navision Solution Centers to sell and distribute Microsoft
BackOffice products integrated with Navision solutions.
"For many years now, we have worked closely with Microsoft to ensure that
our offerings leverage the latest Microsoft technology," said Jesper Balser,
CEO of Navision Software. "Navision Software has led the way in securing
Microsoft logos and in delivering cutting-edge solutions. It is only natural
that our partner network benefits even more from this close relationship.
This is the first time Microsoft has granted a Denmark-based developer
of enterprise business solutions permission to sell its BackOffice products
in conjunction with other business software. Navision Software believes
this agreement will benefit Navision Software, its more than 900 Navision
Solution Centers and Microsoft worldwide."
success of Navision Financials featuring the Microsoft SQL Server option
already proves that this is a winning combination. This new agreement
will only add to our already impressive sales." said Ren Stockner, Vice
President of Sales & Marketing for Navision Software. "This agreement
will give Navision Solution Centers even more selling power. This is just
another step in Navision Software's continued effort towards integrating
Microsoft technology and products with the company's enterprise business
solutions. Today, nearly 39,000 mid-market customers in more than 89 countries
around the world are running on a Navision solution. Navision Software's
current product line, Navision Financials, includes fully-integrated application
areas covering financials, distribution, manufacturing, e-commerce, project
costing, time and billing, human resources and, in certain countries,
announcement is a strong example of how business customers will be served
in the future," said Jeff Raikes, Group Vice President, Worldwide Sales
and Support, Microsoft Corporation. "This greatly simplifies the buying
and installation process. Now, Navision Solution Centers can act as the
single point of contact for customers seeking advanced solutions from
both Microsoft and Navision Software."
on March 8, Navision Software announced that it expects to release the
first enterprise business solution featuring complete Windows 2000 certification
on March 31. Navision Financials 2.60 was awarded the Microsoft Windows
2000 Professional certification earlier this year, and the Microsoft Windows
2000 Server certification completes the package. "We worked hard to earn
both these certifications because we wanted our customers to benefit as
much as possible from the new platform," said Ren Stockner, VP of Sales
& Marketing for Navision Software. According to Stockner, the new platform
can reduce system administration costs and improve IT security immediately.
worldwide version of Navision Financials 2.60 will be released to the
23 local Navision Software companies around the world for localization.
The Danish company Navision Software has established strong branding and
penetration within the Small-to-Medium Enterprises (SME) segment of the
European and recently the U.S. ERP market, with a large customer base
and a developed partner channel within the industry. It has developed
the tightly integrated functionality breath of its product that matches
the SMEs' needs.
flagship product, Navision Financials, offers the Web Storefront, HR/Payroll,
warehouse management system (WMS), and innate OLAP and date warehouse
(DW) functionality, in addition to traditional ERP modules. Furthermore,
the Company was one of the first vendors to achieve Euro compliance and
has also developed 23 localized, country-specific product versions. Navision
is very competitive in speed of implementation, feasibility of customization,
total cost of ownership (TCO), and price/performance ratio. The product
architecture has been devised entirely from scratch in-house within the
Microsoft context, which provides for flexibility and ongoing agility.
has been committed to the Microsoft platform and has recently collected
all of the new certifications associated with W2K, such as "Certified
for Windows 2000 Server" and "Certified for Windows 2000 Professional".
It has now taken its relationship with Microsoft one step further by signing
a global sales and distribution agreement allowing its Solution Centers
to sell BackOffice products with Navision systems. This will enable the
delivery of complete single source solutions to smaller companies.
idea of 'one-stop shop' is important to SMEs, as many of them do not have
the in-house resources necessary to cope with integrating and managing
multiple components from different vendors. Navision continues its march
into the ERP mid-market and through this latest move, demonstrates that
it understands the importance of total solutions in this space.
should however be aware of some of challenges that the company is facing.
Its distribution and manufacturing modules are currently available only
in 5 country-specific versions, and there is no functionality for service-related
addition to the above product functionality gap, Navision does not exhibit
much of a vertical focus. Its distributors (NSCs) offer vertical solutions
on an opportunity-by-opportunity basis only. Navision has long depended
on its proprietary development (the Navision Server database and 4GL),
which is a drawback for the following reasons: 1) a need for a special
skill set (in spite of its user-friendliness) and 2) scalability and integration
difficulties for the higher end of the mid-market. While its recently
released MS SQL Server version of the product may mitigate the above concerns,
it is likely to exhibit problems related to its product immaturity.
We generally recommend including Navision Software in a long list of an
enterprise application selection to lower-end of the mid-market companies
(with $5M-$250M in revenue) and divisions of larger enterprises, which
have limited IT budget and smaller community of users (less than 75),
and have significant financial accounting, distribution, and discrete
manufacturing requirements, while currently not needing complex CRM and
B2B e-commerce functionality.
centrally managed organizations that need a single-code product for all
their international business units, enterprises in service-related industries,
and companies looking for a broader functionality and a particular industry
focus from a single vendor may benefit from evaluating other products
at this stage.
and future users interested in running on the MS SQL Server database may
want to inquire Navision's strategy regarding the product's business intelligence
and data warehousing capabilities, bearing in mind that those are innate
within the proprietary Navision Server database.


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Letters: SeaWorld project should be approvedOctober 7th, 2015, 12:33 am by
Blue World, SeaWorld San Diego's massive killer whale habitat expansion project, is a no-brainer. As the director of conservation at the Wildlife World Zoo & Aquarium in Arizona and a former killer whale trainer at SeaWorld, I have been caring for and promoting the conservation and research of animals and habitats most of my adult life. I know firsthand the unwavering commitment and passion that SeaWorld has for all its animals, and Blue World is a remarkable demonstration of their ...Read the rest of this entry »

subset: commoncrawl


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Hostel Inn Bariloche
Welcome to the newest place in the heart of Bariloche, Hostel Inn Bariloche, it's the place to be. The Coolest Atmosphere Every Day with the best view of the city!!!
Hostel Inn Bariloche offers you one of the best views of the famous Nahuel Huapi Lake. We Offer a cozy and pleasant living area with all that you need. TV area with Plasma TV, and DVD to watch great movies if you want a night in, mini bar, free Internet access with WIFI area in the Garden too..
You can relax outdoors and enjoy the Decking area, Inc of Deck Chairs and Tables. So You can sit back enjoy the views and Email your friends and Family.
Great kitchen facilities.. Good living area with a warm bar to enjoy happy hours all the time!! And the most important thing, our bilingual staff to help you and recommend the best options of Bariloche!!
We offer the most comfortable beds in town, with large four bed dorms, and double rooms for people that need more privacy! Most of the rooms have private bathrooms, lockers to keep your things safe, sheets and blankets, maid service. Most of the rooms have the best views of the town!!
We provide you Breakfast. The breakfast includes toast, the typical Argentine dulce de leche, jam, butters, coffee, tea, juice, cereals, bread and cakes every day!!!
Don't forget to check our weekly planner: We have a lot of recommendations Including great tours which will stay with you forever!, our staff can provide the information of all the places in and around Bariloche and the best options, like Rafting, Kayaking, horseback riding, different trekking options around the mountains with Panoramic views.
Come join and enjoy the fresh air!!!
This is your place to stay, this is going to be your home, meet people from around the World, enjoy a beer with us at the bar and enjoy making new friends to share the experience of Bariloche with, at Hostel Inn Bariloche!!!
Children under the age of 18 are not allowed.
IMPORTANT TO READ BEFORE BOOKING: This hostels needs you to send the CVV code after booking otherwise your booking can be canceled"
Disponibilidad y preciosPara ver la disponibilidad y los precios, selecciona las fechas y pincha "Actualizar fechas"
Instalaciones & Políticas de Albergue
- Recepción 24 horas
- Restricciones de edad
- Traslado al aeropuerto
- Bar
- Alquiler de bicicletas
- Desayuno incluido
- Televisión por cable
- Sala común
- La tarjeta de crédito no ha sido aceptada
- Mapas de la ciudad gratis
- Acceso gratuito a Internet
- Wifi gratuito
- Duchas de agua caliente
- Limpieza
- Acceso a Internet
- Cocina
- Lavandería
- Incluye ropa de cama
- Taquillas
- Guardaequipajes
- Comidas disponibles
- Sin límite de hora
- No fumadores
- Terraza al aire libre
- Mostrador de excursiones
Política de cancelaciónEsta propiedad cuenta con una política de cancelación de 1 días. Si no se realiza la cancelación dentro de ese plazo se aplicará un recargo de anulación igual a la primera noche de tu estancia.
IndicacionesMostrar mapaOcultar mapa
Located only 300 meters away from the main square and the famous Civic Center, we pride ourselves in offering the coolest, clean and fun place to stay. You will not find such a wide range of quality services in any other hostel in the area!! You can get to the hostel from Salta 308 (main entrance) or Tucumán 309.


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No matter how big your Thanksgiving feast is or how many people are gathered around your table, chances are there's more leftovers than you know what to do with. Here is a way to use the extra turkey, stuffing, mashed potatoes, plus anything else that graced your holiday table and make it into something new. We feature an Italian Torta recipe in Artisan Pizza in Five, but why not swap out the layers for all those leftovers? It is tasty and gorgeous and goes together in a flash if you are cleaning out the fridge of all those half empty tupperware containers. Continue reading
Category: Recipes
Grilled Sandwiches Three Ways
Hey all, we want to introduce Sarah Kieffer to you; she'll be doing some photography for the site, including the shots in this beautiful post. Zoe and I met Sarah on the Web (where else), where she covered a class that Zoe had taught. When we ran through Sarah's food blog, Vanilla Bean Blog, what we noticed first were the beautiful photographs, and so we connected and asked her to work with us. We're not the only ones who noticed; the New York Times covered Sarah and her shots that keep popping up on Pinterest. Sarah's the reason that our Pinterest site has become another place where our readers can connect with us. Thanks Sarah, and welcome!
So onto… what to eat. Colder weather means comfort food, and while mashed potatoes, pot pies, and cheesy baked dishes may come to mind first, soup and sandwiches are a great, and possibly lighter alternative. This week we decided to bring you grilled sandwiches three ways, but really, the possibilities are endless. Continue reading
Baked Apple Doughnuts with Gold Medal Flour – updated
It is that time of year again in Minnesota, when the weather goes from 90°F one day, to 48°F the next. It is bittersweet to lose summer, but we enthusiastically head into baking season. This time of year also brings the apples, glorious apples. This week alone I have made pie, fritters, waffles and these baked doughnuts with all the apple varieties I found at the farmers market. Baked Doughnuts? Many of you have requested a doughnut recipe that is not fried. I admit I was hesitant, since I am a doughnut fanatic and was afraid the baked version would be a poor substitute. I am, once again, thrilled to announce YOU WERE RIGHT! The baked apple doughnuts are tender, sweet and studded with pieces of tart apples. The trick is to coat the dough in lots of cinnamon sugar, then bake them so they are still soft on the inside and have a wonderful sugar crust on the outside. The Maple Glaze gives them an even more decadent feel, even though they are the healthy version of our favorite treat. You may never miss the fried version again, but if you are like me, you'll make both.
As you may know, we have always used Gold Medal Flour to test our recipes. It is the most widely available flour, its quality is always predictable and the results are fantastic. Not to mention, you can make a batch (4 loaves) of our dough using their flour for 40 cents a loaf. When the folks at Gold Medal Flour invited us to Kansas this summer to meet their farmers, ride a combine, tour the mill and play in their test kitchens, we jumped at the opportunity. We were blown away by the company and came away with even more respect for the brand. So, when they asked us to partner with them, we decided it was a perfect match.
Baked Apple Doughnuts:
Herb Crock-Pot Dinner Rolls – Summer Baking
English Granary-Style Bread
I am so pleased to be able to bring you English Granary-Style Bread today, a recipe which appears in The New Artisan Bread in Five Minutes a Day. Two kinds of malted grain provide a slightly sweet flavor, even beery flavor…
Braided Fruit Danish: New Video
It's not really braided. Here's another, with savory fillings from an earlier post; same idea but with Spinach, Feta, and Pine Nuts.
The trick is not difficult, check out the video of how it's done (recipe is below)…
Continue reading
Hot Cross Buns!
(This is a post that first appeared in 2009 – we hope it is fresh for some and a welcome memory for others!)
"Hot cross buns, hot cross buns, everybody loves hot cross buns!" are the words to the children's song and it is so true. I made these buns at the request of many of you and my kids devoured them within minutes. They are the buns traditionally served at Easter time. A sweet dough, spiced, studded with dried (sometimes candied) fruit and decorated with a cross made of icing.
As I researched these delicious buns I realized that there are as many ways to make them as there are families who bake them. Some people slash the dough to make the cross, others use a flour and water paste to create the symbol and others use the sweet icing. Tell me how you make your buns, and if you don't have a family tradition yet, you can start with these!
Caramelized Onion and Goat Cheese Pizzette
The concept for these little pizza/tarts came from a family recipe. My cousin, Riad Nasr, is a world class chef and quite often the source of inspiration in my kitchen. He practices his craft in New York City at a line-up of crazy-popular restaurants including Pastis, Minetta Tavern and Balthazar. Several years ago he wrote the Balthazar cookbook and included a savory tart with herby caramelized onions and goat cheese. I made it and fell in love. When Jeff and I decided to write our Pizza book I knew this flavor combo would be fantastic as a pizza. I've made it in several classes that we've taught to rave reviews, so I thought I would make it with you here.
The key to this pizza is caramelizing the onions. You can speed up the process by using a slightly higher heat and adding a touch of sugar, but for this recipe we're going the old fashion route and doing it slow. I admit this may take a few more than 5 minutes, but I think it's worth it. For those of you looking for a speedier version you can find one on page 108 of Artisan Bread in Five Minutes a Day. Continue reading
Roasted Red Pepper: My Favorite Mediterranean Pizza Topping
(photo by Mark Luinenburg) If you've read any of our books, you know that this particularly photogenic fruit (or is it a vegetable?) seems to have captured our imagination. After a year of perfecting the basic tomato/basil/mozzarella topping, I did (believe it or not) get tired of Pizza Margherita. Enter the smoky and savory roasted red pepper. Continue reading
Turkish Spiced Lamb Pita – (Lahmacun)
In addition to making pizza on superbowl sunday, I propose that you shake things up a bit with these Spiced Lamb Pitas. This is one of my favorite recipes in our new book. I love it for many reasons, but the story behind my first bite of Lahmacun is as rich as the bread itself.
I arrived in Istanbul with my husband and two sons (9 & 11 at the time), after a long trip from Minneapolis. As we entered into the city, with the sweetest cabby in the world, and the fastest driver I have ever seen, we realized we were not in the Midwest anymore. It was a feast of the senses. To say we were overwhelmed by the beauty, smells, sounds and traffic, would have been a gross understatement. No sooner had we put our bags down in the hotel, then the concierge called the room to say I had a "friend" waiting for me in the lobby. He whispered into the phone and said "Please, be careful of people who claim to be your friend in a new city." His way of warning me about something. I didn't know anyone in the city, and hadn't made plans to meet up with anyone, so I heeded his warning and sent my husband to the lobby to find out who this mysterious "friend" might be. It was indeed a friend, a dear sweet woman named Serap, who I'd met in the States. She owns a delightful Turkish restaurant called Depot 62 in Manchester, Vermont. I had told her I'd be in Istanbul, asked her for tips on where to eat, but that was all I ever expected to hear. Here she was, the loveliest surprise in the world. She was visiting her sister in istanbul, and they took the day to give us a tour of the city. They fed us the most glorious foods and she introduced me to her favorite Turkish food; Lahmacun. I will never forget that day and this flatbread is forever linked with one of my most precious memories. I hope you enjoy it as much as I do.
This thin pita is topped with Spiced lamb, quickly baked, so it is still soft, topped with chopped onions, parsley and a squeeze of lemon, then it is rolled up like a crepe. Continue reading


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The Bernard van Leer Foundation is a private grant-making foundation. Our mission is to improve opportunities for children up to age 8 who are growing up in socially and economically difficult circumstances. We see this both as a valuable end in itself and as a long-term means to promote more cohesive, considerate and creative societies with equal opportunities and rights for all.
Latest news from the Bernard van Leer Foundation
A European Foundation Centre (EFC) Forum for Roma Inclusion Workshop took place on 4 and 5 March 2010 in The Hague, hosted by the Bernard van Leer Foundation. The focus of the workshop was on early childhood development within the Roma communities. Read more
The Bernard van Leer Foundation warmly welcomes the recent initiative by the World Bank and Grammy Award-winning artist Shakira, which will plough US$300 million into early childhood programmes in Latin America and the Caribbean over the next two years. We look forward to working with the World Bank's team on this issue.
Leonardo Yanez, programme officer for Latin America at the Bernard van Leer Foundation, this week addressed a special session of the Pemanent Council of the Organization of American States on the topic of "Investing in early childhood: a sure strategy for combating poverty and for promoting social development and equity". You can watch the video of Leonardo's presentation on the OAS website, and read the OAS's press release on the event.
Young children are everyone's business – and that includes businesses. The Bernard van Leer Foundation is reaching out to Dutch corporations with a €100,000 incentive to join us in investing in young children. Read more
The Bernard van Leer Foundation has made a €40,000 grant to Partners in Health to support those affected by the earthquake in Haiti. PIH has been working on the ground in Haiti for over 20 years, and we have previously supported their work to improve maternal and child health in rural areas. You can donate here.
The Bernard van Leer Foundation has announced it will commit €300,000 to support the United Nations' Special Representative of the Secretary General on Violence against Children. With this contribution, the Bernard van Leer Foundation is the first private foundation to commit financial support to this new UN effort.
"On October 18 2009, Rio de Janeiro drug traffickers shot down a police helicopter during a gun battle between rival gangs in the favela Morro dos Macaco..." In a new message Lisa Jordan, the foundation's executive director, introduces the foundation's new goals and other important changes. Read more
On 26th November 2009 Bureau Mutant, a long-standing partner of the foundation in the Netherlands, celebrated its 20th anniversary. Accompanying the occasion was the launch of their latest publication, Permanent leren: Van zelfreflectie naar teamreflectie (Permanent learning: From self reflection to team reflection), one of the outputs from the foundation-funded Parents and Diversity project.
10 tips for telling the child development story in Brazil
Roberta Rivellino
"A good start: advances in early childhood development"
Early Childhood Matters


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thank you Tomas, greetings, ch.
thank you Džine, greetings, ch.
Like,very nice composition,regards
I was born and live not far from this city... Excellent capture of our Roman Arena, superb with the statue of Nimeno II in foreground, ♥ 19 and YS 5. Best greetings from Southern France, Geneviève
I am glad to read it Geneviève and thank you the appreciations, greetings, charles
Very nice composition,regards
Beautiful photo L
Käptn Iso, thank you, greetings, charles
thank you Rita, greetings, charles
lk 22 & ♥ 6
stupendo ! bello scatto ! saluti Marina
thank you Marina greetings, charles
thank you this "wow" strichand
BUEN TRABAJO!!. LIKE+FV. Por aquí he estado yo no hace mucho ;-). Un gran saludo desde Barcelona. Ángeles
thank you very much Angeles,
greetings, charles
Photo taken in Ctre Ville, Nîmes, France


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Dublin, CA 94568
(925) 828-5464
325 South L St.
Livermore, CA 94550
(925) 449-3045
Two flour tortillas stuffed with monterey jack and cheddar cheeses, grilled, pizza-cut into eight wedges and garnished with guacamole, sour cream and mild salsa 9.75
With chicken or beef add 2.75 With shrimp add 5.25
Try our famously delicious, chunky and tangy avocado dip served in a crispy fried flour tortilla shell surrounded with our fresh homemade chips 9.75
Classic nachos with a generous portion of our fresh homemade chips smothered with melted cheese, enchilada sauce and beans, then topped with guacamole, sour cream and mild salsa
half order 8.25 full order 11.50
With chicken or beef add 2.75
Our version of this Mexican original has become a true classic here at Casa Orozco ~ made with diced, ripe tomatoes, onions, jalapeños, avocado and a generous amount of plump tiger shrimp 14.95
Four generously proportioned soft tacos stuffed with our delicious 'al pastor' style pork served with a tangy tomatillo salsa 14.25
Four mini tostadas topped with our own home-made ceviche 9.50
Four tacos with your choice of either al pastor, chicken, shredded beef, chile verde or chile colorado meat wrapped in a crisp lettuce leaf with cheese. 9.75
Two spinach/herb tortillas stuffed with cheese and fresh mushrooms, tomatoes and basil and served with our own lite chipotle/rancho dressing on the side. 9.75
Try our tangy, more savory version of our beans served in a crispy, fried flour shell, surrounded with our fresh, home-made chips. 8.50
Fresh, crisp lettuce topped with ripe tomatoes, shredded cheese and red cabbage served with your choice of dressing 6.95
dressings: ranch ~ thousand island ~ bleu cheese ~ italian ~ rancho chipotle
Our classic version is made with fresh romaine lettuce tossed with croutons, caesar dressing and parmesan cheese 8.25
With char-broiled chicken breast add 3.75
With shrimp add 5.75
Shredded romaine lettuce with our own homemade cilantro lime dressing topped with shredded chicken breast, cebolla desflemada (lemon-tamed red onion) and red bell pepper 8.95
Substitute grilled angus top sirloin add 2.75
Mixed greens with shredded chicken breast, red apples, cucumbers and jicama tossed in our own lite rancho chipotle dressing 8.95
Substitute grilled angus top sirloin add 2.75
A delicious homemade chicken soup with vegetables topped with fresh fried tortilla strips
cup 4.75 bowl 6.75
A flat, crisp corn tortilla topped with beans, lettuce, cheese, guacamole, sour cream, mild salsa and your choice of one of the fillings listed below 9.50
A crisp flour tortilla bowl filled with beans, lettuce, cheese, guacamole, sour cream, mild salsa and your choice of one of the fillings listed below 11.50
Available Fillings
Chile Colorado ~ Shredded Beef ~ Ground Beef ~ Chile Verde ~ Chicken ~Barbacoa~ Carnitas ~ Carne Asada ~ Veggie Mix (squash, carrots, peppers, broccoli, cauliflower, onions and tomatoes)
A crisp flour tortilla bowl filled with your choice of fajita seasoned steak or chicken, sauteed with bell peppers, onions and tomato, topped with guacamole and sour cream 13.25
Substitute shrimp add 4.50
|Mango Pico 2.50
|Tortillas (corn or flour) 2.25
|Pico de Gallo 2.50
|Sour Cream 2.25
|Shredded Cheese 2.50
|Guacamole 4.25
|Mixed Vegetables 5.25
|Chiles Toreados 6.50
|Jalapeños (fresh or pickled) 2.25
|French Fries 3.50
|Enchilada Sauce (red, white, green or mole poblano) 2.25
Two items 14.75
|#1 Taco & Enchilada
|#2 Enchilada & Chile Relleno
|#3 Burrito & Enchilada
|#4 Two Enchiladas
|#5 Enchilada & Tamal
|#6 Taco & Burrito
|#7 Taco & Chile Relleno
|#8 Enchilada Suiza & Chile Relleno
|#9 Two Chile Rellenos
|#10 Two Tacos
Three items 15.75
|#11 Chile Relleno, Enchilada & Taco
|#12 Chile Relleno, Tamal & Taco
|#13 Enchilada, Burrito & Taco
|#14 Burrito, Chile Relleno & Enchilada
Or personalize your own 2 or 3 item combination
A deep-fried burrito filled with shredded beef, chicken and chile verde, served on a bed of lettuce garnished with guacamole, sour cream and mild salsa 16.50
Same as our regular Chimichanga, but a bit smaller for a smaller appetite. 15.50
Juicy top sirloin sautéed in our own salsa ranchera with sliced onions ~ this delicious dish is quickly becoming a Casa Orozco classic 16.50
Two chicken or cheese enchiladas topped with a specially prepared tart tomatillo and garlic sauce, melted cheese and a dollop of sour cream 14.75
This delicious dish has become an addiction to many customers. Stewed beef, slow-cooked in its own juices with special herbs and spices, topped off with a helping of our fresh pico de gallo 17.50
Cubed, lean beef in a savory red chile sauce ~ this dish is tender and delicious 16.95
Cubed, lean pork in a spicy, green tomatillo and jalapeño sauce ~ a great choice 16.95
By far our most popular dish! ~ a generous portion of hand-pulled pork garnished with guacamole, pico de gallo and sour cream 17.25
Two chicken enchiladas topped with a thick, dark complex sauce made from three different varieties of dried chile pods, crushed nuts, spices and Mexican cocoa 15.75
A spinach-herbed tortilla, rolled and stuffed with chicken, cheese and fresh jalapenos. Lightly fried and served with fire-roasted salsa and our lite chipotle rancho dressing. 14.50
One large chicken breast, butterfly-cut and marinated in our own blend of seasonings and accompanied with guacamole, pico de gallo and sour cream 16.25
Mexican style grilled chicken with our homemade salsa verde 14.75
A slice of juicy top sirloin, char-broiled and accompanied with guacamole, sour cream and pico de gallo 17.75
You'll love this generous cut of angus beef… char-broiled to your specifications and accompanied with your choice of a chile relleno or regular enchilada 21.00
Our generously portioned, perfectly grilled chicken breast topped with our award-winning Poblano sauce made from three varieties of dried chiles, Mexican cocoa, and crushed nuts. 17.95
Two enchiladas stuffed with tender, blue tiger shrimp sautéed in butter and wine and topped with our classic red enchilada sauce, sour cream and cheese 19.50
Two enchiladas stuffed with tender blue tiger shrimp sautéed in wine and butter then topped off with our own rich, white cream sauce ~ absolutely delicious! 19.95
Fresh, pan-seared fillet of tilapia topped with a mild chipotle cream sauce and roasted red peppers, served with steamed white rice, mixed vegetables and a side of mango pico 14.50
Blue tiger shrimp sautéed with mushrooms, onions and a delicious ranchera sauce ~ please specify if you would like it mild or spicy 19.95
Two generously proportioned tacos stuffed with delicate pieces of sole, fried in a light tempura batter and served with shredded cabbage, cream sauce, a special tomatillo-jalapeno sauce and pico de gallo 17.50
Blue Tiger shrimp sautéed with spices, bell peppers, onions and tomatoes, presented at your table in a sizzling iron skillet accompanied with refried beans guacamole, pico de gallo and your choice of corn or flour tortillas to build your own soft tacos 19.95
Boneless, skinless chicken served piping hot on a generous bed of rice topped with enchilada sauce and melted cheese, accompanied with a crispy corn tortilla shell filled with beans and your choice of corn or flour tortillas upon request 13.25
Chicken can be substituted with Chile Colorado or Chile Verde
Strips of tender steak, chicken breast or a combination of both sautéed with spices, bell peppers, onions and tomatoes, presented at your table in a sizzling iron skillet accompanied with refried beans guacamole, pico de gallo and your choice of corn or flour tortillas to build your own soft tacos 16.50 Vegetable Fajitas 13.95
Note: Some vegetables may be substituted due to seasonal availability
A flour tortilla filled with refried beans and your choice of one filling listed below, topped with guacamole, sour cream, lettuce, shredded cheddar and monterey jack cheese and mild salsa 9.75
A large flour tortilla filled with refried beans, rice and your choice of one filling listed below, topped with guacamole, sour cream, lettuce, shredded cheddar and monterey jack cheese and mild salsa 10.75
Your choice of thinly sliced and marinated steak or chicken sautéed with onions, served in a crispy tortilla shell with beans, guacamole, pico de gallo and your choice of corn or flour tortillas to build your own soft tacos 17.75
A ten inch flour tortilla filled with refried beans and your choice of one filling listed below, top it off with our delicious red enchilada sauce and cheese, then broil it 'till melted and piping hot 9.75
A twelve inch tortilla filled with beans, rice and your choice of one filling from the list below, topped with enchilada sauce and melted cheese 10.75
Chile Colorado ~ Shredded Beef ~ Ground Beef ~ Carne Asada ~Barbacoa~ Chicken ~ Chile Verde ~ Carnitas ~ Al Pastor ~ Chorizo and Egg or Beans ~ Bean and Cheese ~ Bean and Rice ~ Veggie Mix (tomatoes, broccoli, cauliflower, onions, bell peppers, carrots and squash)
Note: There will be an additional charge of 2.25 for a burrito with all meat ~ grilled chicken breast add 1.50
A classic Mexican breakfast with lightly fried corn tortillas, fried eggs and your choice of medium or spicy sauce, served with beans and rice 13.95
Delicious chorizo sausage mixed with eggs, served with beans and rice ~ a great choice 12.95
A perfect combination of shredded beef mixed with eggs, served with beans and rice 15.25
|P1 Enchilada 10.75
|P5 Regular Burrito 10.75
|P2 Taco 10.75
|P6 Regular Burrito Olé 10.75
|P3 Chile Relleno 10.75
|P7 Tamal 10.75
|P4 Flauta 10.75
|P8 Fish Taco 11.95
|* See list of fillings below
It's such an old family recipe even mama doesn't remember what's in it 7.75
Sliced plantain banana sautéed in butter, brown sugar and vanilla, served with our own cajeta-cream sauce and topped with toasted pecans 7.95 add a scoop of ice cream for .99
Traditional Mexican dessert made from crunchy fried dough covered in cinnamon and sugar 4.25
à la mode add 1.25
Mama Orozco's secret family recipe for the traditional Mexican custard 5.95


text:
The Tennessee Bar Association has been kind enough to republish my "What it Takes to be a Great Trial Lawyer" series as the cover story in the November edition of the Tennessee Bar Journal.
Click here to read the article.
The Tennessee Bar Association has been kind enough to republish my "What it Takes to be a Great Trial Lawyer" series as the cover story in the November edition of the Tennessee Bar Journal.
Click here to read the article.
Closing Thoughts
As I said in my first post on this subject, a great trial lawyer need not have all of the attributes set forth in this series of posts. Admittedly, the "great trial lawyer" hurdle has been set high. Very high. Indeed, if complete fulfillment of all of these attributes is required, the great trial lawyer may not exist at all.
These words and high standards are not meant to discourage lawyers from embarking upon the path to becoming a great trial lawyer. Every time a lawyer meets one of these super-standards clients will be better served, professional reputation will be enhanced, and profession satisfaction will increase. Thus, I believe that virtually every trial lawyer, even those who choose not to make the commitment to be a great trial lawyer, can benefit from the thoughts expressed in this series of posts.
These writings capture and applaud what I have observed in lawyers whom I truly admire. It includes observations I made while following my father around courtrooms in Central Wisconsin four decades ago, insights I gained in law school during an unforgettable speech by Ramsey Clark and discussions with a number of extremely competent professors, and my experiences during my almost 27 years at the Bar. As I mentioned at the beginning of this series of posts, the work of my mentor, John T. Conners, Jr., put me in the position to learn much of what I now know.
I am forced to admit that writing this series of posts began with one purpose and ended serving another. As I said in my first post, I originally hoped to expand upon the comments I used in a speech for the Tennessee Bar Association. Putting pen to paper (keystroke to screen?) quickly became an attempt to articulate for myself what I must do to become the lawyer I want to be. I can only hope that the thoughts expressed over the last five months have been as helpful to you as they have been to me.
Note: I have received many kind words about these posts. Thank you. Indeed, several publications have already asked permission to re-print this series. I have consolidated all of the posts and made appropriate edits in permit publication of these words in one 9600 word article. If you believe your state bar or trial lawyer association would like the opportunity to publish the article please let me know. If you want a copy of the article for your own use please send me an email at firstname.lastname@example.com.
The Knowledge That You Are Only as Good as Your Next Verdict.
I stole this idea from a friend in Atlanta who told me about it over a decade ago. While I disagree with the notion some might take from this statement (that a lawyer has to win or has done a poor job), I wholeheartedly agree with what I know was intended by the statement: great trial lawyers do not rest on their laurels.
There is no doubt that some percentage of lawyers who have had a few victories start to believe their own press. These people come to believe that they are better than their opponents and that they can win by the sheer force of their past successes. They believe that yesterday's victories will carry the day and that they can cut corners in preparation with no adverse effect.
And sometimes it is true. Accomplished lawyers occasionally intimidate their adversaries. They occasionally even intimidate judges. They get their way, whether they are entitled to it or not.
But great trial lawyers do not take such things for granted. Great trial lawyers know, in the words of a friend from New Orleans, that "the higher a monkey climbs a flag pole the more of his [posterior] shows." Great trial lawyers know that other lawyers want to beat them and that most trial judges are going to call the ballgame the same regardless of who the competitors are. Younger lawyers working their way up to great trial lawyer status present the greatest threat – they want to be able to say they beat a person recognized as a great trial lawyer.
Great trial lawyers also know that great reputations are hard to get and easy to lose. (They also know that bad reputations are easy to get and hard to lose.) They know that they might be able to cut a corner from time to time and still come out the victor, but word quickly spreads that they are doing so. That talk fuels the fire in their adversaries, increasing the likelihood that someone will work even harder to beat them in a case.
As suggested above, all this is not to say that great trial lawyers must win or that great trial lawyers never lose. Nor do I mean that a lawyer who loses has done a poor job. That is not the way it works. For example, great trial lawyers who do defense work do not get to pick their cases and therefore lose the ability to screen out cases where the risk of loss is high. Indeed, one "reward" for being a great insurance defense lawyer is that you are asked to take on even more difficult cases involving a potential for an even greater damage award against your client. Looking only at win/loss records is a simple person's way of determining who is a great trial lawyer.
In summary, a great trial lawyer is expected to win, and the pressure to win honorably only increases as time passes and experience grows. Thus, great trial lawyers do not rest on past successes but remember and duplicate the habits and discipline that got them to great trial lawyer status in the first place. And, regardless of the outcome of the case, great trial lawyers analyze the trial and the preparation for it with a critical eye toward self-improvement.
What is the role of luck in the development of a great trial lawyer? Well, professionally it often begins with having the right mentor early in one's career. This is largely, but not completely, luck, because most students come out of law school (a) not understanding the significance of having a good mentor and (b) not having the skills to identify who would be a good mentor. Worse yet, those students who do understand the significance of having a good mentor may have a difficulty finding one with whom they can work.
Luck is important factor in getting the right cases that help the lawyer develop the appropriate skills. This is another benefit of having a good mentor – one gets to work on cases that lend themselves to advanced preparation and that increase the likelihood that a great trial lawyer will be on the other side. A strong opponent sharpens skills, and the more strong opponents you are able to face the stronger lawyer you will become (assuming you attempt to meet the challenge).
Getting the right cases also helps you get results that build your reputation. The reputation of being a great trial lawyer is not the same as actually being a great trial lawyer, but a solid reputation helps one get the work (and face the opponents) that advances the developments of habits and skills that allows one to become a great trial lawyer.
Like it or not, getting "big" cases makes a difference, and there is some element of luck involved in that. I believe in the old joke (how do you get a $1 million verdict? mess up a $4 million case) but that fact of the matter is people pay more attention to larger results than small ones even if, from an objective basis, the result in the "small" case reflects better lawyering.
There is also the "luck" involved in drawing the right adverse lawyer, the right judge, the right jury pool, etc. in any given case. There is the "luck" of facing a lying expert that you can destroy in a deposition or on the witness stand, of finding a "smoking gun," of having a whistleblower come forward, etc. To be sure, one often "makes luck" occur in these matters and must have the dedication and skill to recognize and capitalize on such matters when they occur, but there is an inescapable element of luck in each.
One needs "luck" to avoid health problems that can derail an otherwise promising career; indeed, such problems with a spouse, child or parent can make it difficult, perhaps impossible, to do what is necessary to become a great trial lawyer. Alcohol can destroy a career, and there are many lawyers who look back over the course of their lives and will admit that there was some element of "luck" in avoiding many of the problems that arise from the excessive use of alcohol. A single ethical lapse can also destroy a career, and one may have been "lucky" to have committed one and not been caught.
The list is endless but enough time has been spent on it. The bottom line is that most great trial lawyers will admit that good luck has played some role in their development.
However, the words of Thomas Jefferson ring true to this writer: "I'm a great believer in luck and I find the harder I work, the more I have of it." Has Warren Buffet been lucky? For five solid decades? How about Tiger Woods, with 62 PGA Tour wins at the age of 32? Are Larry Page and Sergey Brin simply lucky to have developed Google – and a decade later have it worth billions of dollars? No, Lady Luck may give risk to occasional opportunities, or help one avoid misfortune. But, over time, those that are truly successful in whatever field tend to make their own luck, and capitalize on it.
The Willingness and Ability To Delegate.
It is not impossible to be a great trial lawyer on your own, with no help from anyone. But I don't know one.
At a minimum a great trial lawyer needs an extremely competent secretary, one who can think for the lawyer and keep that plates spinning when the lawyer is otherwise occupied.
But a strong argument can be made that even more help is needed. The attributes identified in this series are many and diverse, and require a substantial amount of time and energy. It is virtually impossible to be a great trial lawyer without the assistance of at least one other competent lawyer and/or paralegal. More may be required, depending on the caseload.
Many tasks mentioned in this series can be delegated to another competent person. It is not necessary for a great trial lawyer to draft complaints, answers, or discovery. A great trial lawyer need not take depositions. Indeed, a friend of mine who lost his life at an early age secondary to brain cancer but achieved the status of a great trial lawyer before his death called witnesses to the stand he never met. How? He had an experienced investigator (a former state trooper who was bright, diligent, and personable) prepare witnesses for trial . They worked together for so long that the lawyer was comfortable calling a witness on direct who was fully prepared by someone else. I know it worked for him – we tried a case together and I saw it work.
Thus, a great trial lawyer may choose to surround himself or herself with people who share his or her dedication and values and work with them to prepare and try cases. The trick is finding the right people, training them, and then being willing to let go of the work. Each of those things is a challenge, especially the last one. It is hard to let go of the work, especially the work you enjoy. I recall a discussion with a friend from Kansas City, asking him how he could allow others in his office to take depositions for him in his significant cases. I said, "Aren't you worried that they will makes mistakes?" He said, "When was the last time you took a deposition and didn't make a mistake? Of course they will make mistakes. And the mistakes they make may be different than the ones you make. But with proper preparation you can overcome their mistakes, just like you can overcome your own."
Once again, great trial lawyers figure out what level of delegation works for them. Most learn that they deliver the best service to their clients – and improve the quality of their own life – if they delegate work to others.
An Appreciation for the Discretion Vested in the Trial Judge
Trial judges are human. Each of them have certain strengths and weaknesses. Some may not have been at the top of their class in law school but know how to preside over the trial of a lawsuit. Others are very bright but struggle with the challenges of a jury trial. Some naturally favor the defense, and some favor the plaintiff. Some believe that summary judgment gives them the power to weigh evidence, and others believe that Rule 56 should not exist. Some believe that jurors can weigh expert testimony, while others believe that jurors must be protected from any expert who has not personally tested every premise of her position and had the results of those efforts peer reviewed by the top authorities in the field. Some rule on objections, and others just waive a hand and say "move on." And so on.
Great trial lawyers know that the judge (whether she is the trier of fact or is presiding over a jury trial) is accorded great deference by the appellate courts on evidentiary and procedural rulings. These lawyers adjust their game plan to meet the needs and wants of that judge, whether they agree or disagree with how the judge runs the courtroom. Why? Because they understand that, at the end of the day, the judge's rulings on discretionary items will probably be upheld, and the failure to plan accordingly will harm the case,
Great trial lawyers also understand that a judge whose life experiences cause the judge to favor the lawyer's position can occasionally go too far. It is easy for a lawyer to swept up in this activity, to experience the gratification of each favorable ruling, and thus to aggressively seek to admit questionable evidence or keep out evidence from an adversary that should be admitted. Great trial lawyers tread carefully in this situation, knowing what rulings are discretionary and what rulings may be reversible error. They pull back when they are getting too much help from a judge, in an effort to protect the record in the event of an appeal.
In summary, great trial lawyers understand that they need to lose the motions they should lose, endeavor to win the motions they should win, and fight to win as many discretionary rulings as they can. They can do so only if they understand (a) who the trial judge is; (b) the law on the particular point and (c) the law of the discretion afforded the trial judge.
An Understanding of the Human Condition and What It Takes to Motivate Jurors to Action
You can't try jury cases if you don't understand how people think. I am not talking about how the way other members of the club think. Nor am I talking about the thought processes or values of the people you see at every disease ball.
No, I'm talking about the way that "real" people think. The way the guy cleaning the golf carts at the club thinks. Or the woman clearing the dirty dishes at the disease ball. Or the woman supervising the crew on the assembly line. Or the guy who works a second job driving a taxi. In other words, I'm talking about the way that jurors think.
It is hard to keep up with how real people think. The fact of the matter is that advanced education tends to divorce one from most people in our society. Even worse, a law school education separates you from the way ordinary people process information and the language you learn there is not juror-friendly. Then, the money earned practicing law impacts your lifestyle and thus the people around you. You move up a neighborhood or two, tend to surround yourself with other people who have similar lifestyles, and all of a sudden you are surrounded by those with wealth and privilege. Those folks are usually not on juries and the way they think is simply unlike the way that real people think.
Great trial lawyers stay in touch with how real people think and thus how they can be motivated to action. They talk to the guy that fixes their car, the woman that cuts their hair, and the server at the barbecue restaurant. They listen to the non-lawyers in their office and encourage their candid opinions about cases. They use focus groups as appropriate to test themes and presentations of evidence. They read about how to understand people and motivate them. They use the language of the jury, not the language of their Secured Transactions professor. They use demonstrative aids designed to educate, not just wow, the jury.
In summary, great trial lawyers know that the advanced education and privilege they have experienced is a handicap before a jury. They use their best efforts to overcome that handicap by interacting with and endeavoring to understand those who will be jurors.
A Healthy Respect for the Judicial System
Great trial lawyers have a healthy respect for the judicial system and, if they are jury trial lawyers, for the right to trial by jury and the jury system. They demonstrate that respect in the way they speak and act around lawyers and non-lawyers.
Great trial lawyers have respect for the judiciary. They know that the office is more important than the person who occupies it at any given time, and the fact that they have a personality or other conflict with a given judge does not give them license to treat that judge with disrespect. They do not abuse a personal relationship with a judge, or lead another lawyer, client or potential client to think that their relationship with a judge will affect the outcome of a proceeding. They do not casually inform a client that a case was lost because opposing counsel had an inappropriate relationship with a judge or that the judge was "bought off." Indeed, they never say or suggest such a thing, unless they know it to be true, in which event they advise the district attorney or other appropriate authorities.
Great trial lawyers who try jury cases respect juries and the right to trial by jury. They do not think that jurors are fools who cannot be expected to fulfill their duty under the law or who can be manipulated into reaching an erroneous result. They do not blame "the jury" when they lose – they instead look to the facts, the law, or their inability to communicate with the jury in such a way to so as to motivate them to look at the case differently as the reason for their loss.
That being said, great trial lawyers do not necessarily assume that our judicial system is perfect and does not reform of any type. Indeed, great trial lawyers are in the best position to know the imperfections of our legal system, and often feel compelled to improve the system to help society reach the goal of having a just, inexpensive resolution of disputes. Thus, great trial lawyers are not afraid to speak out for change. They are not afraid to challenge the judiciary to do its share to improve the system. They are not afraid to point out deficiencies in legal training (before or after graduation from law school) and the impact that it has on the system. They seek these changes not to improve the standing of current or future client but instead to improve the system to achieve the goal stated above.
A Passion for the Work
It is hard to be a great trial lawyer if you don't like what you do. Most people can quickly determine whether a lawyer – or the cashier at McDonald's – has a passion for the job. You can see that passion in the face of a great trial lawyer, you can hear it in her voice, you can feel it in his writing. For whatever reason, great trial lawyers love what they do.
We all know lawyers who hate what they do. Indeed, we know lots of these lawyers. These lawyers do not have a chance of becoming great trial lawyers or maintaining the status of a great trial lawyer if they achieved it in the past. Why? Because becoming and staying a great trial lawyer is too much work, and the person who hates or is ambiguous about the work cannot do or continue to do the work to the extent required of a great trial lawyer. They will never reach the status because they are unwilling – indeed, unable—to do what is required to get there. And if lawyer reaches the status of a great trial lawyer but for whatever reason begins to lose passion for his or her work preparation will suffer, corners will be cut, and quality will suffer.
Some great lawyers can take any position on behalf of any client at any time. They are in it for the competition or the money or both, and it makes no difference who they represent or what position they take. They are hired guns. I am not suggesting that these lawyers are dishonest – if they were, they would not be great trial lawyers. I am saying that these lawyers do not necessarily care about the particular client or the cause when they elect to take on another case.
Other great trial lawyers tend to pick a side. These lawyers defend doctors or sue them in medical negligence litigation. They represent shareholders or defend boards of directors in shareholder litigation. They represent employees or employers in discrimination cases. These lawyers feel more comfortable taking a side (chosen deliberately, by gravity, or a combination thereof) and sticking with it.
Is there a link between continued passion for the work and picking a side? Perhaps. Some will argue that continued passion for the job can only come for the belief in something other than the competition and the money. Others will argue that the passion for the profession comes from a place different than what side of the "v" you are on or the client's cause. And yet others will say that it is the cause the drives the passion, but the cause in a particular case, not the cause in general.
What is the answer? The answer can only come from the individual lawyer who has become a great trial lawyer or who is working to maintain that status. What is it that motivates her to do her best, every day? What is it that makes him go the extra mile in every case? In short, how does the lawyer keep the "fire in the belly" burning? And, more importantly, how does the fire stay hot over an entire career?
Note: I have heard many wonderful comments about this series. I appreciate them very much. Some commentators, however, believe I have set the bar to becoming a great trial lawyer far too high. I will address these concerns in my last post on this subject, which will be somewhere around the first of June.
The ability and willingness to undertake (and share with the client) a cost-benefit analyis throughout the litigation.
Things change in litigation. For example, as mentioned in a least one previous post in this series, almost every deposition changes the value of a case. But there are many other things that impact the value of a case as well.
A personal injury client who forgets or lies about past medical or litigation history can cause severe damage to his case. A corporate defendant in a wrongful death case changes the landscape of the litigation if it is caught hiding or destroying documents. The commercial litigant may have its case hampered by a disgruntled former employee. And so on.
Great trial lawyers know that despite their best efforts there will be events that occur that hurt their client's position. And they do their best – within the bounds of law and ethics – to cause or contribute to cause events that will adversely impact the case of their opponent.
Thus, great trial lawyers know that it is in the client's best interest to evaluate the case at various points in the litigation process. Events may occur that provoke a higher settlement proposal – or the withdrawal of an outstanding offer. A mediation may need to be scheduled – or postponed. More discovery may be necessary – or planned discovery canceled. Great trial lawyers do not practice law on autopilot.
Great trial lawyers also take into account the costs of litigation in evaluating cases – both at the time of employment and throughout the litigation. Litigation is expensive. Clients need to have an idea about the costs of litigation to make informed decisions about settlement and trial. Great trial lawyers do not fear giving clients accurate information about litigation costs, and do not fear identifying the variables that will affect costs. They do not deliberately understate potential costs to secure representation.
Great trial lawyers frequently represent clients who take positions in litigation as a matter of principle. Clients have a right to draw a line in the sand and pay to litigate when, from an accounting standpoint, it makes no sense to do so. These lawyers understand that the client may have other interests at issue (e.g. the need to send a message to future litigants that settlements will not be readily forthcoming, the need to protect proprietary information, etc.) that would cause them to spend more money prosecuting / defending the case than it would cost to resolve it.
That being said, great trial lawyers help such clients understand the costs attendant to acting on "principle." Thus, these lawyers carefully help the client analyze the "principle" at issue and help examine the factors that will assist the client in evaluating the how much the client is willing to spend to protect the "principle."
None of this should be read as suggesting that great lawyers encourage a client to abandon positions based on "principle." Far be it. Rather, these lawyers know that a client's early declaration of "I don't care how much it costs, this is a matter of principle" often changes after the legal bills begin to flow into the accounting office. They also know that, despite frequent initial resistance from the client, these discussions actually solidify the relationship between lawyer and client, because the client understands (or comes to understand) that the lawyer is attempting look out for the client's long-term interest.
Great trial lawyers do not initiate such discussions for the first time late in the litigation process. It is all-too-common for lawyers to silently yield to the client's "litigate at all costs" mindset at the beginning of the litigation and then begrudgingly began to inject some level of reality into the discussions only after the legal bills have piled up. Such lawyers are working from a position of fear, greed, lack of experience, or a combination thereof.
Finally, great trial lawyers also help a client understand the non-financial costs of litigation. Plaintiffs in wrongful death litigation need to know that the healing process will not truly begin until the litigation is over. Corporate and business clients need to understand that litigation will consume some amount of the productivity of the company and may impact the company's reputation. Acknowledgment of these facts does not mean that a claim should not be pursued or defended. Rather, great trial lawyers know that clients need to understand these matters so that they can make an informed decision about whether to engage in and continue with litigation.


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PAWTUCKET – To borrow from the office supply story Staples, "That was easy."
Almost too easy if you're Shea High, which in its playoff opener rolled to a 84-50 final at the expense of an overmatched Johnston High squad Friday night at "The Cage." The 34-point drubbing vaults Shea, the No. 8 seed in the 30-team open state tournament, into the Round of 16 on Tuesday night at CCRI-Warwick. There the Raiders will face Rogers, which defeated Middletown, 69-43.
PAWTUCKET – Tom "Saar" Sorrentine had just watched his St. Raphael outfit stifle playoff foe Narragansett High, displaying LoJack tendencies in a 63-29 blowout Friday night at Alumni Hall. Next up for Sorrentine & Co. is a Sweet 16 matchup on the docket for Wednesday night at Bryant University against the survivor of Smithfield-Classical, two Division I squads set to do battle Saturday night in Providence.


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text:
Page 1
Department of Economics Working Paper Series
Neighborhood Information Externalities and the Provision of
Mortgage Credit
Xiaoming Li
University of Connecticut
AKM Rezaul Hossain
St. Mary's College
Steohen L. Ross
University of Connecticut
Working Paper 2010-10
May 2010
341 Mansfield Road, Unit 1063
Storrs, CT 06269–1063
Phone: (860) 486–3022
Fax: (860) 486–4463
This working paper is indexed on RePEc, http://repec.org/
Page 2
Recent theoretical models and empirical analyses argue that mortgage market
activity creates information and lowers the costs of underwriting mortgages. We
re-examine this question using models that control for neighborhood-lender fixed
effects and address the potential endogeneity of market volume using information
on lagged volumes. We find that the omission of neighborhood fixed effects sub-
stantially biases analyses of the effect of neighborhood volume on underwriting,
and our tests imply that the one or two period lags of volume typically used in
cross-sectional studies cannot be treated as exogenous due to the persistence of
neighborhood economic shocks. In our preferred specification, we cannot rule out
the possibility that overall market activity has a small positive influence on mort-
gage underwriting, but the statistical evidence for the existence of such effects is
weak. On the other hand, we find that lender-specific activity in a neighborhood
has strong positive effects on the mortgage approval decision, and this effect is
underestimated in traditional cross-sectional models.
Journal of Economic Literature Classification: D8, G2, L8, R3
Page 3
1. Introduction
A recent theoretical model by Lang and Nakamura (1990) examines the dynamic process
by which information externalities reinforce growth and contraction in the provision of credit,
while Lang and Nakamura (1993) and Gruben, Neuberger, and Schmidt (1990) show that such a
process can lead to redlining against neighborhoods in thin mortgage markets1. If low levels of
market activity raise the cost of providing mortgage credit, residents of low-income and minority
neighborhoods may have an especially difficult time obtaining credit (Carr and Schuetz, 2001;
Engel and McCoy, 2002).2 Moreover, the limited access to prime mortgage credit in low-income
and minority neighborhoods has been an important factor in the debate over modernization and
consolidation in the financial services industry,3 and potentially an important factor in the growth
of the subprime mortgage market (Carr and Schuetz, 2001; Engel and McCoy, 2002).
Several empirical analyses have tested for the existence of a neighborhood information
externality in mortgage underwriting. Most papers follow Lang and Nakamura (1993) strictly
and use the number of housing transactions in a neighborhood to proxy for information. Calem
(1996) regresses the average mortgage approval rate in a subdivision of a county on the number
of previous year's housing transactions finding a positive empirical relationship. Similarly, Ling
and Wachter (1998) and Harrison (2001) model mortgage application approval using the number
of housing transactions in each census tract in Dade County (Miami) and Pinellas County (St.
Petersberg) and find a negative relationship between housing market activity and the stringency
1 See Ross and Yinger (2002) and Guttentag and Wacther (1980) for detailed discussions of redlining in the
mortgage industry.
2 See also special issues on subprime lending in the Journal of Real Estate Finance and Economics (2004) and on
predatory lending in Housing Policy Debate (2004).
3 An extensive literature has developed questioning whether bank consolidation and financial modernization
legislation has had an adverse effect on small business lending. For recent examples, see Rauch and Henderson
(2004), Avery and Samolyk (2004) on consolidation, Ely and Robinson (2004) on the effect of the Gramm-Leach-
Bliley Act, and Bostic and Robinson (2004, 2003) and Hossain (2005) on the impact of the Community
Reinvestment Act (CRA) on mortgage lending as well as branch location decisions. The reader is also referred to a
recent survey on relationship lending, Elyasiani and Goldberg (2004).
Page 4
of underwriting standards. The estimated effect sizes for these papers range between a 1.6 and
2.2 percentage point increases in application acceptance rates for a one standard deviation
increase in transaction volume.
Several alternative explanations for these results have been suggested. Lin (2001) raises
concerns that previous mortgage approvals may influence both housing market activity and
mortgage application decisions. Lin (2001) uses the distance between the neighborhood and the
lender's headquarters as a proxy for lender information and finds that lender information
explains underwriting decisions, but she cannot identify the influence of information externalities
with her lender specific proxy for information. Further, housing transaction volume might
influence underwriting directly through the influence of housing market conditions on lender
expectations of the risk associated with mortgage defaults (Ross and Tootell, 2004),4 rather than
through information externalities. Avery, Beeson, and Sniderman (1999) avoid this problem by
using mortgage application volume, rather than housing sales, and they also propose that lender
specific market activity may affect underwriting through economies of scale. They find that
lender specific application volume in a census tract has a large positive influence on mortgage
underwriting, and after controlling for a lender's own volume in the tract they find evidence of
negative externalities associated with the overall market activity.5 Blackburn and Vermilyea
(2006) also find a large positive impact of a lender's own application volume on mortgage
approval in a sample of applications to 10 large national lenders.6
In Lang and Nakamura (1993), mortgage underwriting is a dynamic information
gathering process at the neighborhood level so that past information is expected to influence
4 They find that the census tract ratio of median rent to median house value, a proxy for expectations concerning
housing price appreciation, is a strong predictor of mortgage underwriting.
5 They conjecture that this negative effect on underwriting is due to a deterioration of the applicant pool when those
rejected by one lender try to seek credit from another lender.
6 Blackburn and Vermilyea (2006) still find a positive effect of tract home sales after controlling for lender
application volume, but these effects are not robust as they add additional underwriting controls.
Page 5
mortgage approval in the current period which in turn determines the size of current information
set in a neighborhood. The persistence arising from lagged choice/decisions entering current
decisions is termed "true state dependence" by Heckman (1981a, b) in that places that had large
numbers of mortgage application denials in the past are more likely to have such denials in the
future simply due to the past denials. However, neighborhoods, as well as the match between
lenders and neighborhoods, likely differ in important ways and over important events or shocks
that influence mortgage underwriting and persist over time, and so also contribute to persistence
in mortgage denial rates. This form of dependence is characterized by Heckman (1981a, b) as
"spurious state dependence." While most studies have found evidence that neighborhood
information influences mortgage underwriting, these studies tend to be cross-sectional and as
such have only controlled for standard census tract variables and regress mortgage approval on
nearly contemporaneous information on housing market activity, typically market volume from
the preceding year.
This paper reexamines whether mortgage market activity creates information externalities
within neighborhoods using repeated cross-sections of home purchase mortgage applications
from the Home Mortgage Disclosure Act Data (HMDA) in Florida between 1992 and 2007.7
Following Avery, Beeson and Sniderman (1999), we examine the relationship between mortgage
underwriting and both overall mortgage application volume and lender specific application
volume in a census tract. Our model controls for census tract-lender fixed effects in order to
capture time-invariant differences across neighborhoods and across lenders' neighborhood
7 With the exception of Blackburn and Vermelye (2007), all studies of this question rely on data from the Home
Mortgage Disclosure Act (HMDA). As background, the U.S. Congress enacted the Home Mortgage Disclosure Act
(HMDA) in 1975. The goal of HMDA was to provide sufficient information to determine whether depository
institutions are filling their obligations to serve the housing needs of the communities and neighborhoods in which
they are located. [12 USC 2801(b)] HMDA required depository institutions and their subsidiaries to provide the total
number and dollar value of mortgage originated and purchased in the local market typically segmented by census
tract. The 1989 amendment required lenders to report information regarding race, gender, and income along with
details disposition of the application at the loan application level.


text: http://forum.xda-developers.com – This phone features a new ics based OS called Flyme , this is nothing like miui it brings a whole new look and feel with different customization . Mabye the wonderful nice, loving people on here can get this on phones in no time. -------- Heres How It Looks. ----Video http://www.youtube.com/watch?v=JYb8k...layer_embedded original rom - Flyme - 116mb (for porting purposes only) http://forum.meizu.com/forumdisplay.php?fid=47 hopefully someone on here can port it :) (HowTos)


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Each of AFIRM's civilian consortiums was awarded $42.5 million over a period of five years. In addition, the two consortia are bringing local public and private matching funds amounting to more than $180 million that will be added to their research budgets -- for a total of more than $250 million available for research.
Rice and UTHouston are two of the 46 member institutions in the Texas Medical Center (TMC), one of the world's largest medical complexes. TMC institutions conduct more than $1 billion worth of research and see more than 5 million patients each year.
"Rice and UT-Houston's AFIRM research program calls for doctors and bioengineers to work side-by-side to rapidly translate new discoveries from the laboratory to the operating room," said Rice Provost Eugene Levy. "This is an outstanding example of the kind of joint, tightly interwoven research that will be greatly facilitated and that Rice plans to conduct with UT-Houston and its other TMC partners in the new Collaborative Research Center slated to open in mid-2009."
UTHouston President Dr. James Willerson said, "This is a most significant endeavor and is a tribute to the strength we can achieve through collaboration in the Texas Medical Center."
|Contact: David Ruth
Rice University


text:
Everything you want to know about Visual Studio ALM and Farming
Brian Harry is a Microsoft Technical Fellow working as the Product Unit Manager for Team Foundation Server. Learn more about Brian.
More videos »
We've now published the Team Explorer Everywhere documentation online on MSDN. This will make it easier to find and search as it will be indexed by your favorite search engines :)
You'll find the docs for the Eclipse plug-in here: http://msdn.microsoft.com/en-us/library/gg413285.aspx
And the docs for the cross platform command line here: http://msdn.microsoft.com/en-us/library/gg413282.aspx


text:
5 posts tagged with theory and learning.
Displaying 1 through 5 of 5. Subscribe:
I'm just a caveman. Your modern guitar tech frightens and confuses me.
The electric guitar switch in my brain recently flipped itself back to 'On' after 18 years of hibernation, and I'm feeling like Rip Van Winkle. Where and how do the cool kids learn how to shred these days? [more inside]
How does my computer work?
I'm a proficient mac user, but I think I'd like to know more about how my machine works. Where do I go to learn more? [more inside]
So this works because you add an acid to a base...
Looking for books teaching the principles of cooking. [more inside]
To me do really is a deer, a female deer ...
I just bought an ukulele, and I want to learn how to play it. Thing is, I know nothing about music in general. What should I learn? [more inside]
How can a kid teach herself jazz piano?
A kid (12) knows classical piano and has a good teacher for that, but she also wants to learn jazz. Do you have suggestions? [more inside]
Page: 1


text:
HOME NBA Los Angeles Lakers Gear Los Angeles Lakers Ladies Los Angeles Lakers Ladies T-Shirts $20 to $40 (83 items) Product ID: 1095719
Main Content
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Special event items are produced by manufacturers only after the outcome of a game or event. These are advanced sale items and will ship immediately after they are received in our warehouse.
Manufacturer direct items are shipped directly from the manufacturer. These items are not available for international or expedited shipping.
Customized items can be personalized with options such as your name, your favorite number, and/or designs. Some options may be limited by league rules.


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Who has any information on the ALBERT MILLER family from Montreal, Canada?
Query by svandrfrd
My maternal great grandfather was Albert Miller, who lived in Montreal, Canada in 1900. I believe he was a bookseller. He was married to Frederica DeLisle. My maternal grandmother was Frederica Sarah Milled, who married Alexander Deveraux Mann. They had one child, my father, Robert Alexander Delisle Mann, born in 1905 in Peterborough, Ontario, and emigrated to the U.S. to the San Francisco Bay Area.
Viewed: 513 times
by svandrfrd Profile | Research | Contact | Subscribe | Block this user
on 2013-10-24 08:56:18
on 2013-10-24 08:56:18
svandrfrd has been a Family Tree Circles member since Oct 2013.
by noggin on 2013-11-01 06:49:26
user deactivated
by noggin on 2013-11-01 06:52:28
user deactivated
by noggin on 2013-11-01 07:14:21
user deactivated
by svandrfrd on 2013-11-01 09:38:51
I'm don't have a birth certificate or marriage certificate for Frederica Sarah Miller, but I'm sure you have the right person.
by noggin on 2013-11-01 11:25:12
user deactivated
by noggin on 2013-11-01 11:43:35
user deactivated


text:
About ISTA Pharmaceuticals
ISTA Pharmaceuticals is the fourth largest branded ophthalmic pharmaceutical business in the U.S. ISTA's four marketed products plus its product candidates include therapies for inflammation, ocular pain, allergy, glaucoma, and dry eye. The Company is developing a strong product pipeline to fuel future growth and market share, supporting its goal to become the leading niche ophthalmic pharmaceutical company in the U.S. For additional information regarding ISTA, please visit ISTA Pharmaceuticals' website at http://www.istavision.com/.
Forward-looking Statements
Any statements contained in this press release that refer to future events or other non-historical matters are forward-looking statements. Without limiting the foregoing, but by way of example, statements contained in this press release relating to ISTA's 2010 expected financial results, ISTA's expectation to begin a Phase 3 study for ISTA's new formulation of bromfenac in 2010 and complete the formulation of bepotastine nasal and initiate full-scale clinical development during the year are forward-looking statements. Except as required by law, ISTA disclaims any intent or obligation to update any forward-looking statements. These forward-looking statements are based on ISTA's expectations as of the date of this press release and are subject to risks and uncertainties that could cause actual results to differ materially. Important factors that could cause actual results to differ from current expectations include, among others: timely and successful implementation of ISTA's strategic initiatives; delays and uncertainties related to ISTA's research and development programs (including the difficulty o
|SOURCE ISTA Pharmaceuticals, Inc.
Copyright©2010 PR Newswire.
All rights reserved


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Pretty Posts
ESET Smart Security 4 protects your system against all kind of threats such as viruses, trojans, malwares, spywares etc. ESET Smart Security 4 features several security options including firewall with port stealthing and filtering, ThreatSense technology to protect your system from online threats, Self-Defense, Encrypted communication, Smart Optimization, ESET SysInspector, Anti-Stealth. It's SysRescue feature allows users to create a system recovery medium on a CD or USB key for system boot-up.
Key Features of Smart Security 4
- Antispam and personal firewall to provide protection against online threats and remote attacks
- Scans and cleans removable devices to provide enhanced security
- Uses less system resource during computer scanning and performs faster scanning
- Real-time email protection for users of Outlook Express, Windows Mail, Windows Live Mail and Mozilla Thunderbird
- Integrated SysInspector and SysRescue simplify system diagnosis and recovery
- Improved system of cleaning and deleting infiltrations
- Compatible with Windows 2000, Windows XP, Windows Vista, and Windows 7
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Download ESET Smart Security 4
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Located in the spectacular Alberni Valley, gateway to the Pacific Rim National Park. Newly built in 1998. The only Canada Select 4-STAR accommodation in the valley, famous for deluxe rooms and food, restful and serene ambience, and unmatched beauty
Frommer's: One of the most superlative inns in all of BC. Quiet forested peninsula on Arrowlake; waterfall; chapel; king/queen/twin/suites, all ensuite; full brkfst, gourmet cuisine, pool, hottub; free canoes, trails, downhill, Xcountry, snowshoeing
Baker's Chest Bed & Breakfast has 4 spacious rooms all with private ensuite 3 or 4 piece bathrooms, Air-conditioning, telephone, wireless internet, Cable TV, DVD. Rates 110-130. Spa room with hot tub and fitness,outdoor pool full gourmet breakfast
A carefully restored imposing Second Empire historic prioperty
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A four star inn perched on a red cliff overlooking the Gulf of St. Lawrence Full breakfast is included with the room and dinner is available. All rooms have water views and are en-suite. Relax and unwind or explore. You'll be comfortable on the edge!
Bed & Breakfast accommodations and apartments overlooking the ocean on the South Shore of Nova Scotia, Canada
Beautifully restored Historic home (1878) with 4 guestrooms (ensuite baths, queen & king beds and many deluxe amenities), serving a gourmet breakfast. A few minutes walk to downtown shops and dining.
The High Street Inn offers 6 guestrooms, all with an private entrance and ensuite bathroom, fridge,coffeemaker, tv, wifi,. It`s within a short walkin distance to the center.
Our Bed & Breakfast is located within minutes of renowned golf courses, beaches, Seal Cruise Tours, fine and family dining, museums, walking and bicycle trails, Lighthouses, and so much more. Enjoy a quiet and comfortable stay in Heritage Home.
Fitzroy Hall is a beautiful Heritage Home located on a quiet street in the heart of Historic Downtown Charlottetown. Within walking distance to all major downtown tourist sites, restaurants, shopping and theatre.
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Find a bed and breakfast in Canada for your romantic weekend getaway. Intimate b & bs are cozy, romantic accommodations that are perfect for a mini-vacation, honeymoon, or wedding anniversary celebration. You will love the unique charm of our inns in Canada. Many guesthouses include complimentary breakfasts and unbeatable hospitality. Browse our bed & breakfasts and plan your Canada romantic getaway today!


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Simple Interest Made Simple!
- The formula for simple interest is I = Prt
- In order to determine any of the variables (I, P, r, t) you only need the other 3
- When you know
three of the four values, here's how you calculate the unknown.
- To find principal (P) P = I/rt
- To find the interest rate (r) r = I/Pt
- To find the period of time (t) t = I/Pr
The easy way to remember the above is to look at it as Simple Interest - Triangular Forumlas
Think of I at the top of the triangle and Prt at the bottom. The formulas above are easy to remember when you keep the triangle in your mind as your visual.
A word about time. When the time is 6 months. It will be entered a .6 If you have specific days such as 215 then you will divide the days by 365 which gives you .58 for time. Don't forget to count the days of the month properly - 30 days in September, April, June, November and except for Feb. all the rest have 31!
Now try a few: (answers below)
1. How much money
do I need (principal) to get $18.20 at 3.25% in 8 mths.?
2. How many months will it take if I invest $5000.00 at 5% to make $136.48?
3. How many years will it take for $745.00 to make $178.80 at 8%?
Answers are below - scroll down......
1. $840.00
2. 12 months
3. 3 Years
How to Calculate
Simple Interest with a Spreadsheet
Compound Interest Calculator.
Simple Debt Amortization - explained.