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Tobias J. Moskowitz, who joined the faculty in 1998, studies asset pricing, portfolio choice, risk sharing, market efficiency, real estate markets and finance, empirical corporate finance, and the business and analytics of sports. He has explored topics as diverse as momentum in stock returns, local bias in investment portfolio choice, the social effects of bank mergers, carry trades in currencies, bonds, and commodities, and sports betting markets. He also looked at the return to private business ownership, the trading and financing of commercial real estate, and the political economy of financial regulation.
Moskowitz was recognized by the American Finance Association with its 2007 Fischer Black Prize, which honors the top finance scholar under the age of 40. The award cited his "ingenious and careful use of newly available data to address fundamental questions in finance."
His article, "Home Bias at Home: Local Equity Preference in Domestic Portfolios," written in 1999 with Joshua Coval, won him the 2000 Smith-Breeden Award for the best paper published in the Journal of Finance. More recently, he won the 2004 and 2005 Barclays Global Investors Michael Brennan Award for the best paper published in the Review of Financial Studies for his papers entitled, "Informal Financial Networks: Theory and Evidence," written in 2003 with Mark Garmaise and "Confronting Information Asymmetries: Evidence from Real Estate Markets," written in 2004 with Mark Garmaise. He also won the 2006 Brattle Prize for a distinguished paper published in the Journal of Finance, "Testing Agency Theory with Entrepreneur Effort and Wealth," written in 2005 with Annette Vissing-Jorgensen and Marianne Bitler. And, he has won the Q Group Research Award twice: once for his paper "Market Frictions, Price Delay, and the Cross-Section of Returns", written in 2005 with Kewei Hou, and a second time for his paper "The Effects of Stock Lending on Security Prices: An Experiment" in 2011 with Steven Kaplan and Berk Sensoy.
Always trying to bring his professional experiences into the classroom, Moskowitz observes that the gap between theory and practice is not as wide as people think. "It's always interesting to try to understand why," he says, "and I get my students to think about these issues."
Moskowitz serves as a research associate for the National Bureau of Economic Research and is a current editor of the Review of Financial Studies. His work has been cited in the Wall Street Journal, the New York Times, US News and World Report, Money magazine, and a 2005 speech by former Federal Reserve Chairman Alan Greenspan.
Moskowitz earned a bachelor's degree in industrial management and industrial engineering in 1993 from Purdue University. He went on to earn a master's degree in management from Purdue University the following year, before earning a PhD in finance from the University of California at Los Angeles in 1998.
Wine, most sports (tennis, baseball, basketball, football, hockey), both playing and watching.
Empirical asset pricing; investments and portfolio choice; private equity and entrepreneurship; real estate; empirical corporate finance, sports economics.
With Josh Coval, "The Geography of Investment: Informed Trading and Asset Prices," Journal of Political Economy (2001).
With Annette Vissing-Jorgensen, "The Returns to Entrepreneurial Investment: A Private Equity Premium Puzzle?," American Economic Review (2002).
With Mark Garmaise, "Bank Mergers and Crime: The Real and Social Effects of Credit Market Competition," Journal of Finance (2006).
With Yao Hua Ooi and Lasse Pedersen, "Time Series Momentum," Journal of Financial Economics (2011).
With Cliff Asness and Lasse Pedersen, "Value and Momentum Everywhere," Journal of Finance (2012).
REVISION: Trading Costs of Asset Pricing Anomalies
Date Posted:
Mar 18,
Using nearly a trillion dollars of live trading data from a large institutional money manager across 19 developed equity markets over the period 1998 to 2011, we measure the real-world transactions costs and price impact function facing an arbitrageur and apply them to size, value, momentum, and short-term reversal strategies. We find that actual trading costs are less than a tenth as large as, and therefore the potential scale of these strategies is more than an order of magnitude larger than, previous studies suggest. Furthermore, strategies designed to reduce transactions costs can increase net returns and capacity substantially, without incurring significant style drift. Results vary across styles, with value and momentum being more scalable than size, and short-term reversals being the most constrained by trading costs. We conclude that the main anomalies to standard asset pricing models are robust, implementable, and sizeable.
New: Momentum Crashes
Date Posted:
Dec 24,
Across numerous asset classes, momentum strategies have historically generated high Sharpe ratios and strong positive alphas relative to standard asset pricing models. However, the returns to momentum strategies are negatively skewed: they experience infrequent but strong and persistent strings of negative returns. These momentum crashes are partly forecastable. They occur in what we term "panic" states – following market declines and when market volatility is high, and are contemporaneous with market "rebounds." We show that the low exante expected returns in panic states result from a conditionally high premium attached to the option-like payoffs of past losers. An implementable dynamic momentum strategy based on forecasts of each momentum strategy's mean and variance generates an unconditional Sharpe ratio approximately double that of the static momentum strategy. Further, we show that momentum returns in panic states are correlated with, but not explained by, volatility risk. ...
REVISION: Carry
Date Posted:
Nov 08,
Any security's expected return can be decomposed into its "carry" and its expected price appreciation, where carry is a model-free characteristic that can be observed in advance. While carry has been studied almost exclusively for currencies, we find that carry predicts returns both in the cross section and time series for a variety of different asset classes including global equities, global bonds, commodities, US Treasuries, credit, and options. This predictability rejects a generalized version of the uncovered interest rate parity and expectations hypothesis and in favor of models with varying risk premia. Our global carry factor across markets delivers strong average returns and, while it is exposed to recession, liquidity, and volatility risks, its performance presents a challenge to asset pricing models.
New: Value and Momentum Everywhere
Date Posted:
Nov 14,
We study the returns to value and momentum strategies jointly across eight diverse markets and asset classes. Finding consistent value and momentum premia in every asset class, we further find strong common factor structure among their returns. Value and momentum are more positively correlated across asset classes than passive exposures to the asset classes themselves. However, value and momentum are negatively correlated both within and across asset classes. Our results indicate the presence of
REVISION: The Effects of Stock Lending on Security Prices: An Experiment
Date Posted:
Nov 12,
We examine the impact of short selling by conducting a randomized stock lending experiment. Working with a large, anonymous money manager, we create an exogenous and sizeable shock to the supply of lendable shares by taking high-loan fee stocks in the manager's portfolio and randomly making available and withholding stocks from the lending market. The experiment ran in two independent phases: the first, from September 5 to 18, 2008, with over $580 million of securities lent; and the second, fr
New: Time Series Momentum
Date Posted:
Jun 23,
We document significant "time series momentum" in equity index, currency, commodity, and bond futures for each of the 58 liquid instruments we consider. We find persistence in returns for 1 to 12 months that partially reverses over longer horizons, consistent with sentiment theories of initial under-reaction and delayed over-reaction. A diversified portfolio of time series momentum strategies across all asset classes delivers substantial abnormal returns with little exposure to standard asse
New: The Role of Shorting, Firm Size, and Time on Market Anomalies
Date Posted:
Jun 23,
We examine the role of shorting, firm size, and time on the profitability of size, value, and momentum strategies. We find that long positions comprise almost all of size, 60% of value, and half of momentum profits. Shorting becomes less important for momentum and more important for value as firm size decreases. The value premium decreases with firm size and is weak among the largest stocks. Momentum profits, however, exhibit no reliable relation with size. These effects are robust over 86 years
New: How Tax Efficient are Equity Styles?
Date Posted:
Jun 23,
We examine the after-tax performance, tax exposure, and tax efficiency of size, value, growth, and momentum equity styles. On an after-tax basis, value and momentum outperform, and growth underperforms, the market. Decomposing the tax exposure of each style, we find that turnover is a misleading indicator of tax efficiency. Momentum, despite having more than five times the turnover of value, has the same tax rate as value, because momentum generates substantial short-term losses while value has
New: Value and Momentum Everywhere
Date Posted:
Mar 20,
Value and momentum ubiquitously generate abnormal returns for individual stocks within several countries, across country equity indices, government bonds, currencies, and commodities. We study jointly the global returns to value and momentum and explore their common factor structure. We find that value (momentum) in one asset class is positively correlated with value (momentum) in other asset classes, and value and momentum are negatively correlated within and across asset classes. Liquidity ris
The Geography Of Investment: Informed Trading And Asset Prices
Date Posted:
Jan 15,
This paper uses geography to shed light on the role of asymmetric information in asset pricing. Demonstrating that investors possess significant informational advantages in evaluating nearby investments, we find that active mutual fund managers overweight proximate firms in their portfolios and earn substantial abnormal returns in local holdings. These findings are more pronounced among funds which are small, have few holdings, and operate out of remote locations. Aggregating across all funds
The Geography of Investment: Informed Trading and Asset Prices
Date Posted:
Jan 15,
Applying a geographic lens to mutual fund performance, this study finds that fund managers earn substantial abnormal returns in nearby investments. These returns are particularly strong among funds that are small and old, focus on few holdings, and operate out of remote areas. Furthermore, we find that while the average fund exhibits only a modest bias toward local stocks, certain funds strongly bias their holdings locally and exhibit even greater local performance. Finally, we demonstrate that
New: Long-Run Stockholder Consumption Risk and Asset Returns
Date Posted:
Feb 01,
We provide new evidence on the success of long-run risks in asset pricing by focusing on the risks borne by stockholders. Exploiting micro-level household consumption data, we show that long-run stockholder consumption risk better captures cross-sectional variation in average asset returns than aggregate or non-stockholder consumption risk, and provides more plausible economic magnitudes. We find that risk aversion estimates around 10 can match observed risk premia for the wealthiest stockholder
New: The Political Economy of Financial Regulation: Evidence from U.S. State Usury Laws in the 19th Centu...
Date Posted:
Jun 05,
We investigate the causes and consequences of financial regulation by studying the political economy of U.S. state usury laws in the 19th century. We find evidence that usury laws were binding and enforced and that lending activity was affected by rate ceilings. Exploiting the heterogeneity across states and time in regulation, enforcement, and market conditions, we find that regulation tightens when it is less costly and when it coexists with other economic and political restrictions that exclu
Why Do Entrepreneurs Hold Large Ownership Shares? Testing Agency Theory Using Entrepreneur Effort an...
Date Posted:
Jan 20,
We augment the standard principal-agent model to accommodate an entrepreneurial setting, where effort, ownership, and firm size are determined endogenously. We test the model's predictions (some novel) using new data on entrepreneurial effort and wealth. Accounting for unobserved firm heterogeneity using instrumental variables, we find entrepreneurial ownership shares increase with outside wealth, decrease with firm risk, and decrease with firm size; effort increases with ownership and size; and
Bank Mergers and Crime: The Real and Social Effects of Credit Market Competition
Date Posted:
Feb 22,
Using a unique sample of commercial loans and mergers between large banks, we provide microlevel (within-county) evidence linking credit conditions to economic development and find a spillover effect on crime. Neighborhoods that experienced more bank mergers are subjected to higher interest rates, diminished local construction, lower prices, an influx of poorer households, and higher property crime in subsequent years. The elasticity of property crime with respect to merger-induced banking conce
Do Liquidation Values Affect Financial Contracts? Evidence from Commercial Loan Contracts and Zoning...
Date Posted:
Jan 20,
We examine the impact of asset liquidation value on debt contracting using a unique set of commercial property non-recourse loan contracts. We employ commercial zoning regulation to capture the flexibility of a property's permitted uses as a measure of an asset's redeployability or value in its next best use. Within a census tract, more redeployable assets receive larger loans with longer maturities and durations, lower interest rates, and fewer creditors, controlling for the current value of th
More Banks, Less Crime? The Real and Social Effects of Bank Competition
Date Posted:
Jan 13,
We examine the link between the competitiveness of the local banking market, urban development, and crime. We provide micro-level evidence that neighborhoods that experienced more bank mergers are subjected to future reduced loan provision, diminished local construction, lower prices and rents, an influx of poorer households, and higher crime in subsequent years. A one standard deviation increase in bank concentration raises homicide and burglary rates by approximately 1 percent. We show that th
Informal Financial Networks: Theory and Evidence
Date Posted:
Oct 27,
We develop a model of informal financial networks and present corroborating evidence by studying the role of professional property brokers in the U.S. commercial real estate market. Our model demonstrates how service intermediaries, who do not supply finance themselves, can facilitate their clients' access to finance via repeated informal relationships with lenders. Empirically, we find that, controlling for endogenous broker selection, hiring a broker strikingly increases the probability of obt
Market Frictions, Price Delay, and the Cross-Section of Expected Returns
Date Posted:
May 27,
We parsimoniously characterize the severity of market frictions affecting a stock using the delay with which its share price responds to information. The most severely delayed firms command a large return premium that captures the size effect and half the value premium. Moreover, idiosyncratic risk is priced only among the most delayed firms. These results are not explained by other sources of return premia, microstructure, or pure liquidity effects, but appear most consistent with investor re
The Returns to Entrepreneurial Investment: A Private Equity Premium Puzzle?
Date Posted:
Apr 11,
We document the return to investing in U.S. nonpublicly traded equity. Entrepreneurial investment is extremely concentrated, yet despite its poor diversification, we find that the returns to private equity are no higher than the returns to public equity. Given the large public equity premium, it is puzzling why households willingly invest substantial amounts in a single privately held firm with a seemingly far worse risk-return tradeoff. We briefly discuss how large nonpecuniary benefits, a pref
Confronting Information Asymmetries: Evidence from Real Estate Markets
Date Posted:
Apr 04,
This paper studies the role of asymmetric information in commercial real estate markets in the U.S. We propose a novel and exogenous measure of information based on the quality of property tax assessments in different regions. Employing direct and indirect information variables, we find strong evidence that information considerations are significant in this market. We show that market participants resolve information asymmetries by purchasing nearby properties, trading properties with long incom
Confronting Information Asymmetries: Evidence from Real Estate Markets
Date Posted:
Apr 04,
This paper studies the role of asymmetric information in commercial real estate markets in the U.S. and Canada. We propose a novel and exogenous measure of information based on the quality of property tax assessments in different regions and time periods. Employing direct and indirect information variables, we find strong evidence that information considerations are significant in real estate. We show that market participants resolve information asymmetries by purchasing nearby properties and
What Do We Really Know About the Cross-Sectional Relation Between Past and Expected Returns?
Date Posted:
Feb 19,
Multihorizon temporal relationships between stock returns are complex due to confounding sources of return premia, microstructure effects, and changes in the relationship over various horizons. We find the relation to be further complicated by the sign and consistency of the past return that also varies, somewhat sensibly, with the season and the tax environment. Accounting for these additional effects using a parsimonious technical trading rule generates surprisingly large abnormal returns, des
What Do We Really Know About the Cross-Sectional Relation
Between Past and Expected Returns?
Date Posted:
Feb 01,
Multihorizon temporal relationships between stock returns are complex due to confounding sources of return premia, microstructure effects, and changes in the relationship over various horizons. We find the relation to be further complicated by the sign and consistency of the past return that also varies, somewhat sensibly, with the season and the tax environment. Accounting for these additional effects using a parsimonious technical trading rule generates surprisingly large abnormal returns, de
The Private Equity Premium Puzzle
Date Posted:
Sep 21,
We document that investment in private equity is extremely concentrated. Yet despite the very poor diversification of entrepreneurs' portfolios, we find that the returns to private equity are surprisingly low. Given the large premium required by investors in public equity, it is puzzling why households willingly invest substantial amounts in a single privately held firm with a far worse risk-return tradeoff. We examine various explanations and conclude that private nonpecuniary benefits of contr
The Cross Section Of Expected Returns And Its Relation To Past Returns: New Evidence
Date Posted:
Mar 06,
This paper parsimoniously characterizes how past returns affect the cross-section of expected returns. Using Fama-MacBeth regressions, it shows that the momentum and reversals associated with past returns over various horizons are strongly affected by a turn-of-the-year seasonal that differs for winners and losers, depending on both the tax environment and the month of the year, and differs by exchange listing. The analysis also uncovers a consistent winners effect - high fractions of positive
Brokerage, Intermediation, and Agency: The Financing and Pricing of Commercial Properties
Date Posted:
Jul 28,
This paper examines a novel form of financial intermediation by studying the role of professional property brokers in the commercial real estate market. We find that broker intermediation is an important feature of the financing of commercial properties. Controlling for endogenous broker selection, we determine that hiring a broker significantly increases the probability of obtaining a bank loan by a striking 18 percent. We find, however, that brokers have only a modest effect on the sale price.
An Analysis of Risk and Pricing Anomalies
Date Posted:
Jul 23,
This paper examines the link between several well-known asset pricing anomalies and covariance risk. Estimating the time-series of the covariance matrix of asset returns via a multivariate GARCH model, I quantify the contribution made by each anomaly to the covariance matrix of asset returns, as well as its ability to forecast future covariances. I find that anomalous returns associated with firm size are closely linked to the covariance matrix, while those associated with book-to-market equit
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Manufacturers sometimes ask that retailers not display a price if it drops below a certain amount. The "Click here to see Lowest Price" message indicates that the price of the item is so low that the manufacturer requested that it not be advertised (that is, displayed). In a brick-and-mortar store, you would probably have to ask a salesperson what the price of the product is. At eCOST, by clicking on "Click here to see Lowest Price" you are essentially asking to see the price, at which point we show it to you.
Power-Saving, high performance power protection for office computers The Back-UPS Pro provides abundant battery backup power, so you can work through medium and extended length power outages. It safeguards your equipment against damaging surges and spikes that travel along utility and data lines. The Back-UPS Pro also features automatic voltage regulation (AVR), which instantly adjusts high and low voltages to safe levels, so you can work indefinitely during brownouts and overvoltages.
The Back-UPS Pro also includes unique "green" features, like power-saving outlets that automatically turn off idle peripherals. A high efficiency charging system and "AVR Bypass" also reduce power consumption. With the rest of the Back-UPS Pros standard features, this is the perfect unit to protect your productivity from the constant threat of bad power and lost data.
The Back-UPS Pro provides abundant battery backup power, so you can work through medium and extended length power outages. It safeguards your equipment against damaging surges and spikes that travel along utility and data lines.
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text: Take the valve off (just) to make it easier to work on. Use a small saw blade, like a piece of hacksaw or a fine tooth jigsaw, and make several cuts through the PVC using care not to cut much into the valve threads. Then with a thin screw driver, you should be break out the PVC in pieces. FWIW, I make my transitions from copper to PVC in a bit easier place to work on. I also avoid PVC male threads.


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2012 Sangamon County Fair - Justin Moore and Kip Moore
Friday, June 15, 2012 Justin Moore and Kip Moore took the stage at the Sangamon County Fair in New Berlin. Here are some of the pics you shared via Twitter.
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Partner In Hope Appreciation Party-5/6/14
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Dansko clogs and shoes are known for their outstanding support properties. They come in a wide variety of styles, from clogs to sandals, and are especially helpful for those people who need to be on their feet a great deal.
Discovered on a shopping trip to Denmark, these shoes first became popular by word of mouth. The Dansko company has been around since 1990 and has been coming up with technological innovations ever since. Using the finest quality materials, Dansko styles are intended to offer the utmost in support so that your entire body can achieve a healthy balance.
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We have access to tens of thousands of cattle ranches including many sellers whose properties can not be found on the internet. Our research staff has scoured the internet, catalogs and other resources and we know where and how to find thousands of properties that most people will never access from the search engines. Finding cattle ranches is one of our specialties and we are the best at doing it systematically, efficiently and quickly. We work directly with brokers, real estate agents and sellers across the U.S.
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Discover the opportunity to join one of Orlando's greatest destinations, The Ritz-Carlton Orlando, Grande Lakes Members Club.
You always felt like you belong here. And now, in fact, you can.
Whether you live in Orlando or are a frequent visitor, there is a variety of memberships to choose from that will meet your needs and lifestyle. As a member, you will elevate your vacation experience to a year-round resort lifestyle experience.MEMBERSHIP HIGHLIGHTS
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Five-star Elgin power into fourth round
Elgin eased into the next round of the William Hill Scottish Cup with an emphatic 5-1 win over East Fife.
The hosts took the lead just before the half-hour mark when Stuart Leslie finished from close range after some good work by Graeme Beveridge.
And they doubled the advantage five minutes later through Craig Gunn after Brian Cameron set up another simple finish.
Victory was all but ensured from the penalty spot 10 minutes after the restart. Daniel Moore converted the spot-kick after Cameron was fouled by David White.
Mark Nicolson scored City's fourth on 67 minutes when he found the bottom corner with a fine effort from the edge of the box.
Substitute Paul Harkins added further gloss six minutes later when Moore played him in for a simple finish inside the area.
But the visiting fans were at least given something to cheer when David Muir grabbed a consolation 12 minutes from time.


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RCBS Small Base Sizing Die 30 Remington AR
Product #: 910545 RCBS #: 25331 UPC #: 076683253316
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Product Information
RCBS Small Base Sizing Dies are useful for reloaders loading for semi-automatic, pump action and lever action rifles to help ensure that proper functioning. Small base sizing dies size brass to minimum specifications and help to ensure that cartridges will chamber every time.
Technical Information
Material: Steel
Die Types Included:
Small Base Sizer Die (with Expander-Decapping Unit)
Plastic storage case
Small base sizer dies are usually required for reloading ammunition to be used in automatic, semi-automatic, pump, slide and some lever-action rifles.
These dies size the case somewhat smaller in diamter and also set the shoulder back slightly more than a Full-Length sizer die to ensure poper functioning in the actions of these rifles.
Shellholder NOT included.
Technical Information
Material: Steel
Die Types Included:
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All the rooms have attached private bathrooms. Included in the price of the rooms are; use of the kitchen 24 hours, free WIFI throughout the hostel, hot showers available 24 hours a day, and tourist information available at the front desk.
This is a cozy 16 bed hostel. The neighborhood is calm and safe within just a few blocks of downtown there is always something to do.
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Cancellation policy: 72h.
Minimum Stay: 1 night.
Check in:12:00
Check out: 12:00.
Breakfast included.
Debit and credit cards payment accepted upon arrival.
Taxes included.
The Terminal Terrestre is about a 20 minute walk down the Av. Sol. You can also take a taxi for a few soles.
Bright Hostels Cusco
Cusco, Peru Youth Hostels
Brigh Hostel is a charming family owned guest-house just a 5 min from the Plaza de Armas, is clean and pleasant with private rooms, private bathrooms, hot water, cableTV and breakfast included....
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Koyllur Hostel Cusco
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Koyllur Hostal is a Peruvian hotel chain offering visitors an original way to know Peru and to experience the spirit of the Andean world. Our hotels warmth and our staff's hospitality allow guests to enjoy the wonderful experience of the Andes....
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Great stay and tours at Hostal Sweet Daybreak
Cusco, Peru Youth Hostels
Our hostal is situated at one of the most picturesque and typical areas of Q'osqo, where the streets still maintain its mystical Inca and colonial style. A perfect place to start to get the know the wonders of the capital of the Inca's. ...
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El Tuco Hostel
Cusco, Peru Youth Hostels
At El Tuco Hostel we are a very friendly and amusing young couple that will make them feel like at home....
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Tullumayo Cusco
Cusco, Peru Youth Hostels
Tullumayo Hostal se emplaza en el corazón del barrio de los artistas, \'San Blas\'. Nuestra especial arqu...
Chakana House Hostel
Cusco, Peru Youth Hostels
This back packers hostel is situated in the old town, near the Plaza de Armas, offering a small oasis of...
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Wonders Hostel
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Welcome to Wonders Hostel Cusco!...
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El Mirador De Santa Ana
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Santa Ana's Balcony is an authentic lodging house (a family house, breakfast included) where guests live...
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Pisko & Soul - Grill & Garden
Cusco, Peru Youth Hostels
We are Pisko Soul's partner hostel, and we are sprouting out with plenty of positive energy, seeking onl...
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Hostal Atlantis
Cusco, Peru Youth Hostels
The hostel is Atlantis 3 star category, we are located just minutes from the Plaza de Armas...
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Inca Trail
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Trekking to Machu Picchu in Style
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The Path of the Sun Journeys offers exciting Treks and off the beaten path hikes to Machu Picchu,the Inca Trail Choquequirao, and other Inca sky cities and landmarks including Mounts, Ausangate, Salkantay and Veronika...
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Mountain Bike on Inca Trails, a Lifetime Adventure
Cusco, Peru Bike Tours
We are the Leader Mountain Bike Company in Peru offering the best adventures on two wheels. Ride mind-blowing singletracks in the Andes of Peru with professional guides. They will take you safe and help you improve your mountain bike skills!...
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Explore Manu Rainforest and go Trekking in Peru
Cusco, Peru Eco Tours
German-peruvian Tour Operator in Cusco specialized in Tours to the Manu Rainforest, birdwatching, also offers trekking tours, Inka Trail to Machu Picchu and alternative trails, trekking with children, Hotel and Flight booking allover Peru...
Starting at US $485 Per Trip
Hotels Peru
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We are an organization that is dedicated to providing affordable Hotels Peru to those who are looking for a wonderful cultural experience away from home in the beautiful city of Cusco, Peru....
50 Euro Per Night
Inca Trail, Salkantay
Cusco, Peru Sight-Seeing Tours
Inca Trail Description: Visitors come from all parts of the world to Peru, not only to see Machu Picchu but to walk the Inca Trail, the most famous hike in South America. ...
Starting at US $350 Per Person
Pongo De Mainique
Amazonas, Peru Sight-Seeing Tours
Pongo de Mainique So we make what we know with the absolute specialization and the professionalism....
Peruvian Hiking High Summit Peru Climbing Trekking
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We are a travel agency and tourism in Peru. We specialize in adventure tourism, cultural and ecological. We specialize in organizing different types of adventure such as mountaineering, Trekking, Hiking, Rock Climbing, Expeditions, local tours....
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Colca Canyon trek Arequipa -Per?
Arequipa, Peru Hiking & Trekking
A very nice trek into the canyon which includes the opportunity to visit all the small villages down at the canyon. You will have the great opportunity of fishing at the colca river and take a dip at the natural hot springs....
US $79 Per Night
2015 Dakar Tour
Chorrillos, Peru Auto Racing
The Rally Dakar Tour 2015 will be again in South America and one more time this part of the world will be part of the challenge and adventurous international off-road competition. For more information contact PERU ADVENTURE TOURS website....
|Link Code


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St. Edward's University launches new major in human services
In response to an increasing need for services provided by non-profit, community based and social service agencies, the St. Edward's University New College program is introducing a new program this fall: a bachelor of arts in human services. St. Edward's University will be the first institution in the Austin area to offer a bachelor's level degree in human services geared toward working adults.
"With this innovative program, we hope to prepare students with knowledge and better tools for dealing with complex and demanding issues such as grief and loss, violence, poverty and addictions," said Vicki Totten, assistant professor of counseling and coordinator of the human services program. "By providing graduates with the professional and personal skills they need to be more effective in this area, we hope to lessen the high levels of turnover experienced by many agencies and organizations helping people in need."
According to research by program developers, market demands have prompted a greater need for skilled workers with a bachelor's level education in the areas of direct services, criminal justice, addictions and non-profit management. Non profit and state agencies are increasingly relying on bachelor's level caseworkers to meet their demands.
"There is a great need for people with an educational background in the human services," said Ralph Salinas, division administrator for Recruitment and Retention at the Texas Department of Protective and Regulatory Services. "The demand for workers is increasing, and St. Edward's program will not only help people enter the field, but also will help agencies provide better quality services."
Prior to this degree being offered, working adult students interested in the human and social services area had limited options. They could pursue a daytime degree in social work, which sometimes can be difficult for working adults due to the scheduling constraints, or they could pursue a psychology degree, which can give students a good base of theoretical knowledge but very little real hands on experiences. New College's human services degree, with courses offered in the evenings, will give working adult students a combination of traditional classroom instruction with hands on, real world experience.
In addition to the new bachelor's degree, St. Edward's also will offer a non-profit management certificate that can supplement a students existing degree plan or provide an avenue for continuing education for bachelors degree holders.
St. Edward's University has a history of creating programs with local market demands in mind. Programs such as New College's fast-tracked bachelor's degree in computer systems management and the master's of business administration program's concentration in e-commerce were both created in the last two years to meet the needs of an increasingly high-tech economy. A master of science in organizational leadership was launched this fall to meet the community's need for ethical leaders in both the business and non-profit sectors.
For more information on the program, please contact Vicki Totten at 512-416-5889.
St. Edward's University, founded by the Congregation of Holy Cross, is an independent, Catholic, liberal arts university of 3,800 students in Austin, Texas.
Program Description
The interdisciplinary bachelor of arts in human services and the certificate in non profit management offered by New College at St. Edward's University combine coursework from psychology, social work, and criminal justice to enable human services practitioners to address the needs of diverse populations in a variety of settings. The non-profit management certificate can be attached to any New College major or students who already have an undergraduate degree can choose to just pursue the certificate by itself.
One of the goals in creating a major specifically for the human services field is to provide undergraduate professionals with better tools for dealing with issues such as grief and loss, violence, poverty and addictions. By providing graduates with the skills they need to be more effective in this area, the hope is to lessen the high levels of turnover experienced by many agencies and organizations helping people in need.
In addition to preparing students for work in the human services and non-profit field, the new programs also will serve as a good foundation for students who want to continue on with graduate work at St. Edward's in the Master of Arts in Counseling or the Master of Human Services.
New College
New College was founded in 1974 on the belief that a quality nontraditional degree program could be designed for adults. Since then, the program has grown rapidly, and today its enrollment reflects a diverse adult student body whose ages span several generations and whose backgrounds include business, technical, and human service professions. New College offers adults an educational program adapted to their needs by providing flexible admissions and registration, personal advising, several means of gaining college credit and maximum opportunities for interaction with faculty. Students may pursue more than 40 majors including business, computer science, the humanities, social and behavioral science, and natural science.


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2401 S 5th St, Allentown, PA | Directions 18103-682940.575148 -75.454349
Daily 7am-7pm
I am very happy with Mat's services he took good care of me and my husband. He did a wonderful job in our property I recommend everyone to call Mat J & J. Thank you very much the Andujars
Excellent. J & J Heating & Plumbing is a class act. The estimate process was excellent, and the actual work project went very smoothly. I would recommend using J & J Heating & Plumbing, And I have a great deal of experience with using plumbers. Reasonable prices as well.
Joe has been my plumber for many years. He is very efficient and polite.
We have worked with Joe on two different occasions based on a neighbors referral. Professional, honest, and he won't charge you for every little thing, unlike other larger plumbing outfits in the Valley. Highly recommend without hesitation.
Joe from J&J is the most professional fair plumber we have ever used. My husband was in the United States Airforce and we have moved over 5 times have used plumbers in many states, and have yet to find someone more reliable, more professional and truly fair priced than Joe from J & J, We live in Upper Macungie township.
We just wanted to say thank you for going above and beyond our expectations. No one else would have even thought about doing what you did! We will definitely recommend you to everyone we know. Thank you again for such great service!
In October 2010, we purchased a sewer ejector pump from J&J and had them install it. The pump came with a 3 year warranty. In January 2011, the pump stopped working. We called J&J and were given the run around. At one point we were told that the receipt we had did not come from them even though the technician who signed it worked for them. Fast forward to January 2013, we never received warranty service and had to purchase a new pump. I would NEVER use this company again.
Firstly, and probably most importantly they turn up, and on time, secondly their workmanship and staff are all professionals, and thirdly they clean up any debris or rubbish, to leave your home as they found it.
Excellent. J & J Heating & Plumbing is a class act. The estimate process was excellent, and the actual work project went very smoothly. I would recommend using J & J Heating & Plumbing, And I have a great deal of experience with using plumbers. Reasonable prices as well.
Both staff friendly & professional. No problems recommending your company!
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Cameron Diaz Gets Honest About Her Bad Skin
Kendall Jenner Gets A Completely New Look
The Plastic Surgery That Changed Lisa Kudrow's Life
Renee Zellweger Looks Hardly Recognizable
The 10 Dumbest Things Kanye West Has Said About Kim
11 Celebs Who Married Ordinary People
Celebs You'll Never Believe Are Actually Friends
Why Is Beyonce Not Attending Kim & Kanye's Wedding?
What Does Celine Dion's $72 Million Home Look Like?
Guess Who: Another Celeb Couple Decides to Call It Quits
Is Kate Upton Fat?
Emma Watson's Intentional "Side Boob"
George Clooney's Sister Defends His Sexuality
Cash Out: Who's on the Most Overpaid Actors List?
24 Celebrities You Didn't Know Were Related
Is Lil Wayne's Daughter a Trouble Maker?
The Brattiest Celebrity Kids
What Rapper Is Father To This Dapper Little Boy?
22 Celebrities Whose Real Hair Colors Might Surprise You
All 8 of Brangelina's Brood Travel to Australia
Nips and Tucks: Kim Kardashian's Latest Cosmetic Procedure
Whitney Houston's Daughter Bobbi Kristina's Shocking Weight Loss
Celebs Who Look Better in Their 40s Than Their 20s
The Naked Truth: Celebrities Who've Posed Nude
Willow Smith Gets a Much Needed Makeover
Amanda Bynes Rocks Bikini During Spring Break in Cabo
On Screen Ugly: Jennifer Aniston's Attempt to Snag an Oscar
Lady Gaga's Unretouched Photos Will Shock You
Beyonce Agrees to Be Kim Kardashian's Bridesmaid!
Kim Kardashian's Ripped Jeans Might As Well Be Shorts


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Street Use Online Permitting
If you have already submitted an application in person at Street Use, you can use the online permitting system to check the status of your application and pay for your permit. To do so, you must create an online account. Click here to either sign in to your existing account or to create a new one.
When setting up a new account to tie to an existing permit, it is imperative that you use the exact same last name in setting up your online account that was used on your application


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iPhone 4
$ 135.00
- Details
- Shipping & Returns
Logo detailComposition:RubberPermanent Collection ItemHeight: 4.7'' Width: 4.5'' Depth: 0.6''
We offer both Standard and Express shipping: choose the service that best meets your needs at Checkout. Returns service: you have 20 days of delivery to follow our quick and easy return procedure. You can find more information in the section Returns and Refunds.


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Hannover 96 v SC Freiburg: Preview
Hannover coach Mirko Slomka has been put under pressure to commit his future to the club before Christmas as negotiations over a new contract drag on.
Slomka has led the club to the most successful two years in their history with back-to-back participations in the Europa League, yet he has so far refused to put pen-to-paper on a new deal since he still holds reservations about the club's ambition.
As he continues to stall, club president Martin Kind has warned him that time is running out and that he expects a decision within a month.
``We need to be able to plan for the future and that is why we need a decision, and I have set a deadline for December 20,'' he told Kicker magazine.
Slomka says he does not feel any extra pressure given Kind's remarks, though, as he focuses on delivering three points against Freiburg tomorrow.
``As far as I am concerned, nothing has changed,'' he said at a press conference. ``There is no new situation and the talks will continue and the decision will come in December.''
His focus remains on keeping the Reds in contention for a third straight year in Europe, and a win over Freiburg could take them as high as third in the table.
Getting three points against such a ``well-organised side'' is not something Slomka is taking for granted, though.
``They have lost only one of their last five and that as against Dortmund, which I think says it all,'' said Slomka.
``They don't concede many goals and they have a lot of shots on goal so they are a tough nut to crack.''
Freiburg have fond memories of their last trip to the Niedersachsenstadion.
A 0-0 draw in the Lower Saxony capital in April was enough for them to avoid relegation last season and a similar result tomorrow may lead to coach Christian Streich leaping onto the field again at the final whistle.
``That was a very good away game from us,'' he said. ``That is what we are striving for again.
``If we can play like that again, then we have a realistic chance.''
Streich is without Matthias Ginter for the rest of the calendar year after tests revealed he had a fractured vertebra.
Slomka has a fully-fit squad to choose from.


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michel studio crepe pant
Crisp winter white is the ultimate in chic style. You'll love this eye-catching Michel Studio pant in double face crepe. Features a flattering wide leg. Fully lined. Pair with its matching jacket for a stunning look!
- 63% polyester, 35% rayon, 2% spandex
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- Hand wash in warm water.
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- Dry flat, reshape while still wet.
- Do not iron.
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The nature of man is intricate; the objects of society are of the greatest possible complexity; and therefore no simple disposition or direction of power can be suitable either to man's nature, or to the quality of his affairs.Edmund Burke
The study of politics is the study of the use of power in human societies: how it is established, how it changes, and how it may be evaluated.Political science attempts to understand, to explain and to interpret phenomena such as political upheaval and stability, democracy and dictatorship, economic prosperity and deprivation. It seeks to evaluate the ends for which political power is used and the means through which it is exercised. In short, the study of politics is concerned not only with the way the political world is, but also with how it might be improved.At Southern Virginia, this study is enhanced and intensified by small class sizes and the resulting personal relationships with professors. Professors help develop the student's ability to follow arguments, to distinguish the important from the trivial, to grasp new concepts and perspectives, and to see and appreciate other points of view while maintaining one's own. It emphasizes the fundamental intellectual skills of clear thinking and precise expression, so highly valued in a wide range of occupations.In Southern Virginia's politics program, students have the opportunity to contemplate concepts such as justice, authority and freedom with thinkers from Plato and Aristotle to Hobbes and Kant; to consider classic and contemporary views of the American democratic project; and to grapple with central issues in world politics such as the prospects for global democratization, the challenges of economic development, and the causes and consequences of war and political violence.The politics major and minor are extensions of Southern Virginia's Core liberal arts curriculum. The politics program provides not only job-specific training but also the knowledge and intellectual skills necessary for the responsible exercise of civic freedom. For this reason, the politics program is not just for those who want to pursue a political or legal vocation.
Course RequirementsCareer/Advanced Study OpportunitiesPre-Law Program
Major Checklist
Minor Checklist
Jeremiah John, Ph.D., Program CoordinatorSteve Baldridge, J.D., Ph.D.


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TOMS coupons
7 verified offers in April, 2014
Take a look at our 7 TOMS promos including 3 coupon codes, 3 sales, and 1 free shipping coupon. Latest offer: '10% Off Any TOMS Branded Purchase!' In the last day, 5 promos have been used. The last time an offer was used was April 24, 2014.
How to use a TOMS.com couponTOMS offers sales or discounts through their online store infrequently, because of their charitable business model. With each pair of shoes purchased, the company donates a pair of shoes to a child in need around the world. Register for the TOMS email list which entitles you to any special offers or coupons, offered seasonally.
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Includes "Miss Sweeney", "Pig", "The Spider", "King", "The Weight" and h*** punched into barcode.
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Jimmy Durham
Both retired, Carolyn from Locheed-Marietta and Jimmy from two different banks. Jimmy, a former private enterpreneur and banker currently manages personal investments. Many Durham families were involved in the Civil War with a historical marker on Acworth Due West Road and listing of those participating, wounded and dead in many history books.
Interested in local history, travel, hunting and fishing.
Interested in local history, travel, hunting and fishing.
Manager Of
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Jimmy Durham commented on article "Hinojosa Announces Resignation" in Schools February 4, 2014 at 07:46 am
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Jimmy Durham posted in Buy | Sell | Trade July 25, 2013 at 12:43 pm
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Boorman to bike around South Africa
Charley Boorman is to head on a 6,200 mile journey around the borders of South Africa for his latest adventure with Channel 5.
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ImagesSee All 396 Images
VideosSee All 34 Videos
Metroid Prime, Donkey Kong Country Returns dev working on Wii 2 game?
Online report has Retro Studios already crafting new title for Nintendo's upcoming console.
Metroid creator Sakamoto on Other M, WarioWare
GDC 2010: Nintendo software group manager talks mood, creating games for different audiences, and how Dario Argento influenced Metroid.
All-Time Greatest Game Hero
64 entered. One left. The All-Time Greatest Game Hero has been decided by your votes--find out who the winner was!
Metroid: Other M Nintendo Press Conference Trailer Impressions
Nintendo and Team Ninja team up for Samus' latest adventure, and we were treated to the first trailer at the publisher's E3 press conference.
Nintendo charges Metroid Prime Trilogy for Wii
First two GameCube titles get motion-sensing overhaul, bundled together with 2007's Metroid Prime: Corruption in one $49.99 package.
Metroid Prime vets form Armature
Trio of ex-Retro Studios devs set up shop in Texas capital, sign exclusive publishing deal with Electronic Arts.
Spot On: System Wars 2008
GameSpot asks industry illuminati to predict whether the PlayStation 3, Xbox 360, or Wii will emerge as the holiday victor, and which will go on to be the ultimate winner ...
Halo 3, BioShock top Spike TV noms
Shooters from Bungie and 2K get most nods for testosterone-infused network's December 9 award show.
AU Shippin' Out November 5-November 9: Call of Duty 4: Modern Warfare and The Simpsons Game
It's looking to be a week of mock warfare.
Recent Forum ActivityGo to Metroid Prime 3: Corruption Discussion
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It's wedding photography shot with a 50 Shades of Grey filter. Some newlyweds are hiring professionals to document what happens after the guests go home.
Ali, John, and actress Busy Philipps discuss on the set of "Cougar Town".
Related Links:
7 things I wish I knew about men before I got married
15 ways women are ruining their sex lives
The 13 WORST reasons to get married
20 funny excuses women give to get out of sex
11 hilarious tips for undressing in front of your lover (circa 1938)


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Call Now! 1-800-498-1750
|FastFloors.com » Vinyl Flooring » Tarkett » Easy Living - Textures
|About the Product - Tarkett Easy Living - Textures
|Tarkett Easy Living - Textures Vinyl Flooring shown in Oriental Seagrass with coverage 9 s/ft, sold by s/yd, width 12 inch, thickness 0.1 inch, design sheet, finish urethane, surface smooth, locking floor installed without glue, 15 year warranty.
*FastFloors.com recommends verifying any warranty information with the manufacturer as the manufacturer is providing the warranty. While we will do everything we can to help with warranty related issues it is ultimately at the manufacturer's discretion.


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Text GEICO to 69937 (MYXER) to get GEICO content directly from your phone.
Myxer URL: http://www.myxer.com/GEICO
Everyone needs insurance, right? Maybe you have a car, motorcycle, or ATV. Get it insured with GEICO and see how much you could save. Got a house, condo or rent an apartment? GEICO can help you get coverage for those, too, through the GEICO Insurance Agency. Everyone knows that GEICO could help you save money on car insurance, but you could save even more when you insure your motorcycle, house and more with GEICO. As the nation's third-largest private-passenger insurance company, we insure over 16 million vehicles in all 50 states. And we do it with a 97% customer satisfaction rating. So while you're here, get a ringtone. Get a video. Get some wallpaper. But most of all, get yourself a quote today and see how much you could save. Why pay more than you have to? Just think what you could do with the savings. GEICO. 15 minutes could save you 15% or more on car insurance.


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You are currently browsing our site. If we teleport you to the same page on our site you will see more relevant content. And unicorns.
This SteelSeries QcK Panda Monk Edition features the official artwork of the Mist of Pandaria expansion.
The SteelSeries QcK Panda Monk Edition mousepad has a non-slip rubber base that prevents the pad from slipping when you use it. Also the rubber ensures that you have maximum comfort for your wrist and hand on the pad at all times.
The SteelSeries QcK series has been optimized and tested with professional gaming teams for the past decade. From the mini to the heavy, the QcK series offers something for every gamer regardless of their space and set-up.
The cloth surface on the SteelSeries QcK Panda Monk Edition provides a smooth and steady glide regardless of the tabletop or surface that it's place on.


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Great Value Light Sour Cream (16 oz)
- Found In: Milk and milk products » Creams
- Brand: Great Value
- Manufactured by: Wal-Mart Stores inc.
Ingredients ():
Milk Grade A Cultured Pasteurized, Cream, Milk Non-Fat, Milk Skim Ultrafiltered, Flavor(s) Natural, Vitamin A Palmitate, Enzyme(s)
Members, please sign in to view which ingredients are on your personalized "avoid" list.
Contains Milk
Nutrition Facts
- Serving Size: 30 g
- Servings Per Container: 15.0
- Amount Per Serving
- Calories 40.0Calories from Fat 25.0
- Total Calories 600Total Calories from Fat 375
- % Daily Value* (DV)Recommended DV
Total Fat 2.5 g 3%65 g
- Saturated Fat 1.0 g5%20 g
- Trans Fat 0.0 g
- Cholesterol 10.0 mg3%300 mg
- Sodium 20.0 mg1%2,400 mg
- Potassium 70.0 mg2%3,500 mg
Total Carbohydrate 2.0 g 1%300 g
- Dietary Fiber 0.0 g0%25 g
- Sugars 2.0 g
- Protein 2.0 g
- Vitamin A 6.0%
- Vitamin C 0.0%
- Calcium 6.0%
- Iron 0.0%
* Percent Daily Values are based on a 2,000 calorie diet. Your daily vailues may be higher or lower depending on your calorie needs.
Weight Watchers PointsPlus® Value* = 1
*Weight Watchers® and Points® are registered trademarks of Weight Watchers International, Inc. The number of Points provided here were calculated by Food Facts, Inc. based on published Weight Watchers International, Inc. information and do not imply sponsorship or endorsement of such number of Points, Food Facts, Inc., or the above product by Weight Watchers International, Inc.
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Knoppix 7.0 Released
Knoppix v7.0, 32- and 64-bit versions, with ADRIANE v1.4 and cellphone support.
Klaus Knopper has released version 7.0 of Knoppix. According to the website, this release is based on "the usual picks from Debian stable (Squeeze) and testing (Wheezy), with newer package versions especially for desktop applications." It uses kernel 3.2.4 and xorg 7.6 (core 126.96.36.1991). The new version also includes experimental free Nouveau graphics modules supporting NVidia cards, accelerated graphics via kernel mode settings (KMS); LibreOffice 3.4.5; Chromium 16.0.912.77 and Firefox/Iceweasel 10.0; and an optional 64-bit kernel via boot option "knoppix64," supporting systems with more than 4GB of RAM.
Version 7.0 also includes ADRIANE version 1.4 of the audio desktop framework, which now uses CuneiForm as the engine for text recognition of scanned texts and includes enhanced support for several cellphone models via Gammu (SMS function). ADRIANE (Audio Desktop Reference Implementation And Networking Environment) is a talking menu system, which, according to the website, can make Internet access easier for computer beginners, even if they have no sight contact to the computer's monitor. A graphical environment with talking programs and arbitrary magnification using compiz-fusion is another option.
For more information, go to Knopper.net.
Issue 163/2014
Buy this issue as a PDF
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Tag Cloud
KDE Announces Software Compilation 4.13
New release comes with better semantic search and improvements to Kontact.
Coverity: Open Source Code has Fewer Defects
Annual code quality report shows FOSS is more secure at all project size levels.
An Even Smaller Raspberry Pi
The Raspberry Pi Foundation has announced an even smaller version of the tiny computer that will fit into a DIMM slot.
Freaky Privilege Escalation Attack
A new class of problems lets a malicious app pre-configure an invisible privilege update.
Facebook Rolls Out New PHP-like Programming Language
New Hack language adds static typing and other conveniences.
Fedora Announces Innovative Crytography Policy System
New crypto policy system will offer easier configuration and more uniform security.
Shuttleworth Calls for Declarative Firmware
Ubuntu founder denounces insecurity in proprietary, close-source software blobs.
New TLS Attack Takes the S out of HTTPS
Vulnerability affects many Linux web servers
Munich Adopts Kolab
The Bavarian capital shuns Microsoft, Google, and other alternatives to implement an open source groupware solution.
Canonical Announces Ubuntu Smartphones
Phone vendor partnerships bring Mark Shuttleworth's dream of Ubuntu on a phone a step closer to reality.


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text:
I got a new iPhone 1.1.2 OOB.
I performed the downgrade to 1.1.1 in order to do JailBreak.
The problem is that after downgrading to 1.1.1 the WiFi option is disabled and I can't tap it.
On 1.1.2 the WiFi option is enabled and i can connect to my netwok but can't do the JailBreak on this version.
I tried everything i have no idea what else to do.
Note: also tried to downgrade to 1.0.2 but iTunes stuck on 'Waiting for iPhone'


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Bible Gateway Recommendations
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The crowds respond to Jesus' teaching as disciples and crowds often responded to his other acts: with awe (8:27; 9:8; 12:23; 22:33; compare Jn 7:46). What astonished them so much about Jesus' teaching was not his use of proverbs, parables, hyperboles or other standard pedagogic devices of his day; what astonished them was his claim to authority, a theme that climaxes in Matthew 28:18. Other Jewish teachers regularly cited earlier sages' opinions, and though later teachers sometimes came to regard their tradition as tantamount to God's Word, Jesus' contemporaries never would have claimed, like Jesus, that people would be judged according to how they treated their words.
With greater authority than the scribes who expound the law, greater authority than Moses who gave it (5:1), the authority indeed of the One who will judge humanity on the final day (7:21-23), Jesus declares God's word, and the people recognize that he speaks with authority unlike their other teachers.
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Metallic Jewel Encrusted Flip Flops Style LUCIA 2 2
Great Sandals i found and bought these on DB website without seeing in persoN! The were beautiful and perfect for my sandy beach destination wedding! Looked great bedazzled and blingy on my feet and i did not want to wear heels in sand! these were PERFECT! I LOVED THEM!!!! WENT GREAT WITH MY DRESS!!!! April 5, 2013
perfect for my wedding! They go perfectly with my vintage style wedding dress! They are so comfortable and I can definitely wear them again and again. Thank you Davids Bridal. December 29, 2012
1-2 of 2
*Color & Style representation may vary by monitor. Not responsible for typographical or pictorial errors. Product availability varies by store and online. Some in-store purchases require special order and markdown styles cannot be special ordered. Contact your local store for details.


text:
Style: Wavy
Material: Synthetic
Length: Short; 4 1/2" front; 6 1/4" top & crown; 4" sides; 5 1/4" upper back; 1 3/4" nape.
Weight: 2 oz.
Features: Kanekalon® WhisperLite® fiber, Permatease, Open ear tabs and No extended neck.
Style: Wavy
Material: Synthetic
Length: Short
4 1/2" front; 6 1/4" top & crown; 4" sides; 5 1/4" upper back; 1 3/4" nape.
Weight: 2 oz.
There are several ways to contact us:
Phone: 1-800-689-2587
Fax: 1-508-238-1965
Email: email@example.com
(based on 10 reviews)
Ratings Distribution
5 Stars
4 Stars
3 Stars
2 Stars
1 Stars
of respondents would recommend this to a friend.
Best Uses
Most Liked Positive Review
Loads of compliments wearing this wig.
Looks natural PLUS it makes me look younger and thinner!
Most Liked Negative Review
Punch missing
This selection was my third try and I decided to keep it because I am tired of returning. It is much longer than shown and I am having difficulty in getting it to look similar...Read complete review
This selection was my third try and I decided to keep it because I am tired of returning. It is much longer than shown and I am having difficulty in getting it to look similar to what the photos showed it to be. The waves are missing. I also will have to have it cut. I would strongly urge anyone ordering to first request color samples.I will try one more time. Surely, there must be something that will work for me.
Reviewed by 10 customers
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(4 of 4 customers found this review helpful)
One of the best wigs I have ever bought!
By Carol
from Mason City, Iowa
About Me Beauty Conscious
Comments about Yvonne WhisperLite Wig by Paula Young:
I had never tried a style like this before and it looks great! It is nicer than pictured. Not thick and heavy looking,it is just perfect.
Bottom Line Yes, I would recommend this to a friend
Was this review helpful? Yes / No
- You may also flag this review
(8 of 8 customers found this review helpful)
This is my 2nd one
By Shirl
from Pottstown, PA
About Me Minimalist
I have lost most of my hair on the top of my head so I started wearing wigs about a year ago. This is the 2nd Yvonne wig that I've bought because I like how it looks on me and of the 3 wigs that I own, this is the one that I get the most compliments on when I'm wearing it. I bought the second one because I wear it so often, I may need a replacement and I want to be sure I have one on hand.
Fantastic wig!!!
By no nickname
from tennessee
This is the second wig I ordered. The first was Cover Girl which I loved but I bent over a hot stove over and signed the bangs. Yvonne is not the style i wear but it looks very good on me and is so easy to wear..Just finger comb or use a pick and you are good to go.I get lots of compliments too. I have ordered others trying to find my style but alway come back to this one. The color I ordered was perfect. Just like my own hair.
Great wig. Fits well - looks good
By Pam on the go
from Baytown, TX
This was my second Yvonne purchased. They wear well, clean and dry without losing its shape. Love this wig.
(3 of 3 customers found this review helpful)
I would buy this product again
By farmgirl
from Jacksonville, Florida
I like the style because of the shortest.I am truly in love with the color. Wish more wigs came in this color.Very easy to wear and to style. I would definitely recommend the wig.
(11 of 11 customers found this review helpful)
By Leenie
from Lincoln, Michigan
Images shared by Leenie
Yvonne wig
By Jude
from Edmonton, Alberta, canada
I use for hair replacement during cancer chemo treatments. Works well
(2 of 2 customers found this review helpful)
Please keep this one coming!
By Jane
from Cedar Rapids, Iowa
I wear this every dayand love how it "shakes out" and stays natural looking. I just have a fear that the back strap may show as it feels thin there. Soft, silky feel.
repeat performance
By poodlechick
from Orlando,FL
I have bought two of these wigs already and am going for number three.It is great style for us older chicks.The only problem is the fit. I fixed this by snipping the elastic in the back and using clips up at the crown. I just clip it on and go.I never leave the house without it.I only wish there were other wigs in the color that I get this one in.
(5 of 5 customers found this review helpful)
By Annie
from Fairfax, Va


text:
The Panthers have been incredible since the turn of the calendar year. Last night's loss against the Dallas Stars was their first regulation defeat in 2009, going 5-1-3 in January. Over that period, they have averaged exactly four goals a game, while allowing just over three against. David Booth has led the way with 16 points in his last 12 games. While Nathan Horton had 11 points in ten games and Stephen Weiss recorded 11 points in his last 13 games.
Including last night's games, Florida had ten players with 20 points or more, second only to Detroit's daring dozen. Conversely, Ottawa was tied with Dallas for the least number of 20 point scorers with only four. David Booth's 31 points was the lowest of any NHL team's leading scorer.
The recent news that the Islanders goaltender for life Rick DiPietro is going to be out for the rest of the season has a silver lining for fish stick fans. They currently sit dead last in the NHL with 31 points, eight points behind the next worst team. Of course the real reason Isles fans should be happy is that their team is now the odds on favourite to draft John Tavares.
The Islanders have a decent number of young players playing right now; Kyle Okposo, Frans Nielsen, Josh Bailey and Jack Hillen, just to name a few. Combine that with other young players along with some solid prospects and the Isles have hope for the future.
Eastern Conference Musings:
Atlanta - Including Tuesday night's games, Todd White scored 16 points in the preceding month, the same number as Ovechkin and one more than some guy named Malkin. Rich Peverley is averaging over 19 minutes per game with Atlanta and has a goal and six assists in four games since the trade. He has ignited Kovalchuk who has four goals in his last three games, all assisted by Peverley.
Boston - Chuck Kobasew has six points in his last seven games. Big Z has seven points in the last six games. Boston is ten points ahead of second in the East and are missing Kessel, Sturm, Bergeron and Ference!
Montreal - Both Robert Lang and Andrei Kostitsyn have 11 points in nine games, but were shut down in their last two games. Andrei Markov and Mark Streit are the only defensemen to lead their respective teams in scoring (and they still have more points than Booth!).
New Jersey - Brendan Shanahan looked good in his debut with the Devils, recorded 13:59 in ice time, six shots on goal (some things never change) and potted his first goal of the season. Shanny logged 12:45, two shots on goal and no points in his second game. John Madden has seven points in his last five games.
Ottawa – Sure the Sens are 3-0-1 in their last four games, but they are 4-4-2 over their last ten. That's not nearly good enough. In my opinion, the Senators management are making a huge mistake by doing everything they can in order to squeak into the playoffs. Ottawa was 12 points back of the final playoff spot in the Eastern Conference with five teams to overtake. All it would take is for one of those teams ahead of them to play at a better clip and they will ultimately fall short while finishing ninth or tenth in the Conference (sound familiar, Leaf fans?). The gap is just too much to overcome for a one line team with a rookie goaltender.
Even the lowly Tampa Bay Lightning were three points ahead of the Sens in the standings. If Ottawa were to start planning for next season, they would be a great candidate for a very quick turn around, much like what the Flyers did a couple seasons ago. As it stands now, I have a feeling that come April, there will be many disappointed fans in the Nation's capital.
Tampa Bay - Cory Murphy has played two games with his new team and has a goal and two assists. He played 23:12 in his first game and 24:32 in the second while playing on the top power play unit. Vincent Lecavalier is as hot as the trade rumours to Montreal. He has 17 points in his last 13 games. Vaclav Prospal has 13 points in his last 12 games. Steve Stamkos had a point in four straight contests until being shut out last night. Pretty good considering nine forwards had more ice time in last night's game than Stamkos including Adam Hall. It looked like Stamkos was playing on a line with Jussi Jokinen and Steve Downie for most of the game.
Washington - After a very slow start with only two goals in his first 11 games, Alexander Ovechkin has 29 goals in the next 35 games. Mike Green has 13 points in his last 12 games. Alexander "What's so special about Crosby" Semin has a point in 26 of 30 games this season and enters the All-Star break on a six game point streak.
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Long gone are the days when workers would use a single computer, email, and only a handful of websites while at work. Yet the host of devices, applications, and websites that employees now use can open the door to risk – is it time for your organization to rethink your endpoint security strategy?
This resource offers advice to help your organization address the security needs of the modern endpoint. Read on to learn how traditional endpoints and mobile devices differ, how the cloud can help protect you against advanced threats, how consolidation can improve security and management, and more.
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The Incinerator Series is for those late season bitter cold hunts. The absolute warmest Sitka System with 700 fill goose down to keep you warm no matter how low the temp dips. GoreTex membrane locks the water out and internal cuffs keeps that heat in. If you plan on sitting in your blind or tree stand and don't want to lose any chance because of low temps or rain the Incinerator Series is or you. Brush finish to keep you silent as you set up for the shot.
•47.20 oz.
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Genevieve Bell, Intel's in-house anthropologist, sees constants in our behavior that could mean big bucks for businesses that find a way to capitalize on them.
Chinese researchers have done the seemingly impossible: observed and recorded an instance of ball lightning completely by accident. And it bodes well for a decade-old theory about the nature of the conundrum.
Artists use glow sticks and long-exposure photography to enhance waterfalls with mesmerizing streams of colorful light.
If the Little Mermaid had an iPhone, she would use a Shellphone to amplify the volume.
We take the Samsung Galaxy Note 8 out for a nice leisurely and natural stroll.
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Photographers take and sometimes develop and print pictures of people, places, objects, and events, using a variety of cameras and photographic equipment. They work in the publishing, advertising, public relations, science, and business industries, as well as provide personal photographic services. They may also work as fine artists or cinematographers. There are approximately 152,000 photographers employed in the United States.
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Ashley Nicole Ickes of Cookeville, Mari Tigci of Bloomington Springs, and Martin Martin-Thomas were all recently honored by Tennessee Tech University for their studies in foreign language.
Ickes, Tigci, and Martin-Thomas were initiated to the Eta Psi Chapter of Alpha Mu Gamma, or the National Foreign Honor Society, at Tennessee Tech due to their interest in foreign language studies. Only 22 students were selected for this honor.
Ickes was honored for her focus on German, while Martin-Thomas and Tigci were honored for their focus on Spanish.