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/Takes out her Enchanted Broom to dust off her site!
There… 🙂
I wanted to do a look back on my last year of blogging and try to pick out my top posts made and add a few comments to them.
I guess this post is mostly for myself, it will be fun to look back at and see as a recap of things 🙂 But if you are new to my blog, maybe you will appreciate it too.
It's interesting to look back and see how I now spend more and more time editting posts and screenshots to perfection, compared to the very first ones, I made.
Anyway 🙂 In no particular order, these are the posts I favor the most.
Not a very exciting post, but it means a lot to me, because doing this challenge is the one time in Legion, where I felt the most badass. Where I felt, despite playing so little, that I can still call myself a good Healer.
Completing the Mage Tower Challenge at item level 891 just weeks after it came out was without a doubt the biggest adrenaline kick I have had in the game. And it also shows, that if you just put your mind into it, and use all the tools you have at your disposal, you can get further than you ever imagined. 🙂
One of those rare posts that offer a glimpse of the person behind the screen. I do not share much about my personal life; I assume that visitors are more interest in World of Warcraft related stuff, but I cherish getting some insight into other bloggers gaming spot; it's fun to imagine you guys sitting there gaming with me, like Cinder's last post showing her super neat set up 🙂
Because this was the first time I really went into depth (I know, I just did that…) with my Ocean adventures, this post means a lot to me 🙂
Let's get the Archdruid Lunarwing form (The final 52 steps!)
A goofy post, but, nonetheless, a very honest insight into how I play. So many distractions, but so many adventures 🙂
The Tale of "She Who Said No To World Quests"
A turning point for me in Legion was cutting down on content that was repeatable. It was fun and liberating to try, and it having my blog helps me a lot towards my goal. It's peculiar, but I feel like, once I put it into writing, it's out there, and I have to do my best to stick to my goal!
Torch Tossing. Are you freaking kidding me!?
A very bugged quest was the cause of inspiration that carried me through this silly story. I know posts like this are too long for most visitors to read through, but that does not change, that I smile when I read it myself. And I think, that those who did try this bugged quest share the same frustration as the poor Night Elf featured in the story!
Let's Craft #1: World of Warcraft Treasure Chest – brought to life!
My first Let's Craft, and my first attempt on making something WoW related 🙂 (and it just reminds me, to bring it out again, since our son's birthday is coming up!)
I read a few sillly jokes, and after editing screenshots alongside of that, the idea for The Seacrew was born, thanks to a Timewalking Run in the Underbog with Wisteria.
Let's explore the depths of Vashj'ir – part 1 of 77
My ocean adventure to Vashj'is is one of my finest ones, I think. Especially coming across the enormous remains of seacreatures on the bottom of the ocean, so far away I could not reach them. I tried so many times. But it was great fun, and a fascinating discovery 🙂
Asha'falah, Midsummer Fire Festival
Aw, well, I just love doing posts like these. I get so nostalgic. I really cherish some of the Holidays in WoW, especially those that takes us all around Azeroth 🙂
Top 15 caves in World of Warcraft – Vanilla (Then and now)
Another post from the nostalgic in me. And one of my most time consuming posts to make. It's great to take a look back on how things were, and in particular to re-visit the spots in game. 🙂
What's in your bags and why? Z & Cinder's Blog Challenge #21
This post is quite fun for me to read now! My bags are still the same mess, but this got me thinking; perhaps a screenshot of my bags every now and again could be entertaining to check out in the future 🙂
Saving Sharpbeak…Where is he today?
Another very time consuming post, but one I am very fond of. Sharpbeak and the quest to save him back in Vanilla has a special place in my heart 🙂
A tribute to Russell Brower – over a decade of gratitude
A special place in my heart – this post has too. One of my most viewed posts is this one, involving one of the saddest moments in Legion for me; when Russell Brower had his position eliminated, after so many years.
I realized, Russell is and never was alone in making the epic pieces of music we have in the game, but his fingerprints are all over the game. And it is just so sad, how big companies chose to prioritize. Russell did say, that there is a chance he would be working as a freelance composer for Blizzard in the future, but tracking down the Battle for Azeroth soundtrack only has him listed under Sheet music and not as composer.
Another different way of playing, I guess not many really go exploring when they are dead. But it offers a unique sight of the world 🙂
Why do you blog about WoW – Z & Cinder's Blog Challenge #23
The one post I spent the longest time writing. It needs to go under a bit of maintenance (if you are a new blogger who wants to be added to the list, please let me know!) – but if one is looking to expand their list of WoW blogs to follow, this is the post to visit.
She came, she saw, she conquered. Brawler's Guild as a Healer
Another one of my stubborn, I want to do this in the way -I- want – kind of posts. It took me very long to achieve, but the changes made to healers in Legion, allowing them to do a little bit of DPS really opened up areas of the game for me, which I greatly appreciate.
The last part is here
I liked the idea of using a toy to change the world and see how it would look, if the Legion invaded all our favorite locations in Azeroth. At first, it was a screenshot post, but coming up with a poem made it all come together, I feel 🙂
And it helps me sooo much in learning new words in English.
The things in between – Eastern Kingdom
One of my favorite things to do in WoW is exploring places, I rarely get send to through questing. Running on the top of a mountain in between zones, and somehow, the way some zones allign really appeals to me. I want to do one of these posts on Kalimdor soon, I think it has to be my next blog post, in fact.
The tale of the Wandering Worgen
Without a doubt, one of the blog posts I have spent the longest time making. (on the text alone, no screenshot editting involved)
It was too long for most to bother to read through, but I personally love how it turned out, I even got a few why-no-flying-on-Argus thoughts merged into it.
Something good came from Twitter, and his name is Zeshio 🙂 It was a lot of fun making this post, especially since the screenshots were provided by Zeshio, after he lost the ram race of Brewfest.
The price was, that he had to get completely smashed and run around on Argus until he would fall off! (Zeshio, perhaps it's time for a consolation price for you, was it Zangar Sea in Draenor you wanted a tour on 🙂 )
Zeshio even had an art piece made, inspired by the story. which I really cherish.
It's made by Tara.
The news of a Classic server option for World of Warcraft is still surreal to me. I cannot wait. I am one of those who have been around since the beginning, and I very much look forward to do all the old quests again. This post and my old screenshots warms my heart 🙂
Have you ever really noticed…#Christmas Edition
Winter Veil is one of my favorite Holidays in WoW. I had the music of it playing all December, and I can't wait to hear it again. I noticed so many sweet details in WoW during this time, and while this post is fairly simple and short, I like that time of year in WoW a lot too.
I constantly try to improve my English, and as I said, writing poems really helps me a lot. Though it might be easy to throw together for many, it does not come easy to me, so all the WoW poems I made stand out for me, as a sign of enormous effort.
Beauty And The Beast – World of Warcraft Remake; "Evermore", By Alunaria's Avenue
Gosh, this one. The amount of time I spent on this one. And how it made me wish so much I could make WoW videos. I would certainly make this one into it. I liked the location so much, and it took me a whole week to make it all.
I am very fond of the song Everymore as well.
I could mention more, but one has to draw a line somewhere, right 🙂
Thank you so much for every comment, like and talk we have had during the last year.
I look forward to many more 🙂


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Tagged With: cooking
The Kitchen Counter Cooking School
The Kitchen Counter Cooking School, by Kathleen Flinn. Everybody should get cooking lessons like these. Flinn took nine Seattle-area women of different ages and backgrounds, all with different levels of cooking skill. Over the next several weeks, she got them over their fear of real food — and of knives — and had them able … Continue reading
Categories: Reading Tags: cooking, food Leave a comment
Garlic and Sapphires: The Secret Life of a Critic in Disguise
Garlic and Sapphires: The Secret Life of a Critic in Disguise, by Ruth Reichl. Ruth Reichl was the New York Times restaurant critic for the New York Times from 1993 to 1999. To keep from getting preferential treatment from the restaurants she reviewed, she wore elaborate disguises and created personas to match. The experience was … Continue reading
Categories: Reading Tags: cooking, critics, food, memoirs, restaurants Leave a comment

subset: commoncrawl


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On peut suivre Oréo à la trace !
« My name is Oréo. I like to lay down in front of the fireplace, but I also love playing in the ashes and let big black prints on the ground by playing with burned wooden pieces. SHAME PHOTO »
Et ne manquez aucune pancarte :)


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Brave New Weed
Adventures into the Uncharted World of Cannabis
On Sale: 10/04/2016
Spend $49 and get FREE shipping on HC.com
Brave New Weed
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The former editor-in-chief of Details and Star adventures into the fascinating "brave new world" of cannabis, tracing its history and possible future as he investigates the social, medical, legal, and cultural ramifications of this surprisingly versatile plant.
Pot. Weed. Grass. Mary Jane. We all think we know what cannabis is and what we use it for. But do we? Our collective understanding of this surprising plant has been muddled by politics and morality; what we think we know isn't the real story.
A war on cannabis has been waged in the United States since the early years of the twentieth century, yet in the past decade, society has undergone a massive shift in perspective that has allowed us to reconsider our beliefs. In Brave New Weed, Joe Dolce travels the globe to "tear down the cannabis closet" and de-mystify this new frontier, seeking answers to the questions we didn't know we should ask.
Dolce heads to a host of places, including Amsterdam, Israel, California, and Colorado, where he skillfully unfolds the odd, shocking, and wildly funny history of this complex plant. From the outlandish stories of murder trials where defendants claimed "insanity due to marijuana consumption" to the groundbreaking success stories about the plant's impressive medicinal benefits, Dolce paints a fresh and much-needed portrait of cannabis, our changing attitudes toward it, and the brave new direction science and cultural acceptance are leading us.
Enlightening, entertaining, and thought-provoking, Brave New Weed is a compelling read that will surprise and educate proponents on both sides of the cannabis debate.
- Imprint: Harper Wave
- On Sale: 10/04/2016
- Trimsize: 6.00 in (w) x 9.00 in (h) x 0.97 in (d)
- Pages: 288
- List Price: 25.99 USD
- BISAC1: SOCIAL SCIENCE / Popular Culture
- BISAC2: SOCIAL SCIENCE / General
- BISAC3: SOCIAL SCIENCE / Disease & Health Issues
"One of the most fascinating accounts of the state of marijuana. A charming, honest look into pot's past—and what that says about its future." - Rolling Stone
"Employing aspects of travel narrative, pop history, journalism, and personal diary, Dolce is a genial and engaging narrator with a knack for breaking down complex science and making it easily digestible for laypeople. Brave New Weed will prove popular with cannabis enthusiasts, and will surprise and entertain the general reader." - Publishers Weekly
"An outstanding book." - Dr. Raphael Mechoulam, award-winning Professor of Medicinal Chemistry and Natural Products, Hebrew University, and the grandfather of cannabis research
"An expansively researched book that finds the author trekking from Amsterdam to Israel to Colorado to craft an up-to-the-minute portrait of the past and future of cannabis." - Stranger
"No matter where you fall on the cannabis debate, this book will surprise you, intrigue you, and make you think. Brave New Weed provides a fresh perspective and demonstrates just how little we know about this ubiquitous, multifaceted, and ancient plant." - Dr. Andrew Weil, author of Mind Over Meds: How to Protect Yourself from Overmedication by Knowing When Drugs Are Necessary and When Alternatives May Be Better
"The ultimate 'Just Say Yes!' book. I got a contact high from reading it." - John Waters
"Part travelogue, part cultural inquiry, part state-of-the-art scientific and medical survey, Joe Dolce's engaging and entertaining book provides an image makeover for cannabis that's long overdue." - Dr. Julie Holland, author of Moody Bitches and editor of The Pot Book
"A fresh, clear-eyed, and lucidly reported travel guide to the rapidly expanding American subcontinent of medical and not-so-medical marijuana. Dolce is our de Tocqueville for Weed 2.0." - Brad Gooch, author of Smash Cut
"A superb book, Brave New Weed delivers a sharp, funny, incredibly interesting assessment of modern cannabis. A terrific writer, Dolce examines the scientists and the quacks, the heroes and the hucksters, the cops and the crooks converging in the great game of marijuana." - Michael Backes, author of Cannabis Pharmacy, The Practical Guide to Medical Marijuana
"A thoroughly enjoyable and highly informative romp through the politics, science, industry and culture of cannabis." - Ethan Nadelmann, Executive Director, Drug Policy Alliance
"Brave New Weed, a loving rethink of all things marijuana, is likely to be a trusted hitchhiker's guide to this new universe." - New York Times Book Review
"Fresh, engaging, and thoughtful…The finely-tuned prose is infused with a marvelous sense of curiosity and in-depth journalism. Dolce won me over immediately and held my attention from one page to the next, following him around the world as he explored the past, present and future of cannabis…An engaging, worthwhile read no matter what side of the cannabis argument you happen to be on." - Green Flower
"Dolce weaves a fascinating tale of the twisted history—and even more twisted pretzel logic—behind marijuana prohibition…Equal parts travelogue, existential discovery and historical exegesis…A well-spun narrative and a damn fun, breezy read about the ubiquitous weed…Dolce writes with clarity and expertise about the plant and its utility to mankind." - The Fresh Toast
"Best book on marijuana I've read in forever! Brave New Weed is a must read...his coverage of all the research on the endocannabinoid system that's been done in Israel (weed sci capital of the world) alone is amazing." - Steven Kotler


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Massport Navy Fuel Pier Airport Edge Buffer
East Boston, MA
For the Massachusetts Port Authority, we led a multi-disciplinary team in the design and construction phase services for the Navy Fuel Pier Airport Edge Buffer in the Jeffries Point neighborhood of East Boston.
The project is one of four Airport Edge Buffers committed to by Massport, and provides a waterfront vegetated edge buffer accessible by the neighboring community for use as passive open space. The project included a community review process, as well as environmental permitting due to the project site's location within a Coastal Zone Management Designated Port Area.
The Massport Navy Fuel Pier Airport Edge Buffer project entailed rehabilitation of a 1.6 acre former marine industrial site and 1940's era Navy vessel re-fueling pier located along the Marginal Street Extension in Jeffries Point. The new park features plantings, fencing, a public walkway along Marginal Street, site lighting and public seating. Debris removal and bank stabilization measures along an existing armored coastal bank were also implemented.
ClientMassachusetts Port Authority
Awards2008 Construction Management Association of America New England Chapter Public Project of the Year Award in the less than $4 Million Category
Business LineParks & Open Spaces; Waterfronts
RegionUS Northeast
ContactRick Williams, Senior Associate
TeamRick Williams, Senior Associate
Steven M. Woods, Jr., Senior Associate


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NCI Dictionary of Cancer Terms
The NCI Dictionary of Cancer Terms features 8,547 terms related to cancer and medicine.
We offer a widget that you can add to your website to let users look up cancer-related terms. Get NCI's Dictionary of Cancer Terms Widget.
- cisplatin
- listen (sis-PLA-tin)
A drug used to treat certain types of bladder, ovarian, and testicular cancer. It is used in patients whose cancer cannot be treated with or has not gotten better with other anticancer treatment. It is also being studied in the treatment of other types of cancer. Cisplatin contains the metal platinum. It kills cancer cells by damaging their DNA and stopping them from dividing. Cisplatin is a type of DNA crosslinking agent. The brand name Platinol has been taken off the market and is no longer available.


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Principal Investigator: Professor Simon Griffin
Department: MRC Epidemiology Unit, Institute of Metabolic Science
Institution: University of Cambridge
MRC Epidemiology Unit, University of Cambridge, Institute of Metabolic
Science, Addenbrooke's Hospital, Hills Road, Cambridge, CB2 0QQ
Physical inactivity is now the fourth leading cause of death, accounting for 6%
of all deaths globally. The morbidity related to inactivity, including healthrelated
quality of life and the direct and indirect economic costs, places a
substantial burden on societies and health care systems. In older people
regular physical activity (PA) decreases the risk of premature mortality,
coronary heart disease, stroke, type 2 diabetes, cognitive decline and
functional impairment. Despite these health benefits however, only 21% of
men and 16% of women aged 65-74 years meet current PA guidelines. Recent
data suggests that time spent sedentary, which increases sharply after the age
of 70 years, is also associated with risk of coronary heart disease, independent
of PA. As such, a number of intervention studies have sought to encourage
older adults to become more physically active and to reduce their time spent
sedentary, but modification of these behaviours has proven to be largely
unsuccessful. The aim of this investigation will be to identify the cross-sectional and prospective modifiable and non-modifiable correlates of sedentary
behaviours and physical activity in adults aged ≥65 years (and thus a subset of
the cohort). These analyses will help inform the development and targeting of
future prevention strategies aimed at modifying these two important and
distinct behaviours.


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After growing up in NJ with a keen love for animals (thank you, Mare), I attended Bates College in Maine. I took many courses in Biology, Animal Behavior, Psychology, and Education, and spent my junior year at Manchester College of Oxford University in England. I graduated in 1980 with a B.A.
During college I began my experience in working with dogs by taking a job as kennel attendant at Roxdane Kennels. I worked there whenever home from college, caring for an over 100-run boarding kennel. I still attribute much of my basic knowledge of dogs to the wealth of experience I gained there while caring for thousands of dogs. The manager of the kennel did some pet training on the side, and I asked if I could watch and learn. After some time she suggested that I should train a dog myself. The kennel also served as animal control for the area, and she pointed out that at the time there was a young mixed breed dog that had been picked up as a stray that I could work with while he was there. He was promptly named Buddy and I started to train him. It took little time for me to ask my parents if I could bring him home "for a weekend" – as you can probably guess, he came to be ours and lived with us for 16 years. Buddy was the start of what would become a lifelong career.
In 1981 I began working at St. Hubert's Animal Welfare Center in Madison NJ. My initial position at St. Hubert's was as a kennel attendant and adoption counselor. I quickly saw that many more dogs would stay in their new homes if the owners had access to basic obedience training. The president at the time, Ed Sayres, gave me the go-ahead to begin offering training classes for adopted dogs and their new owners. I began with four dogs in the parking lot one Saturday, and what would become St. Hubert's Dog Training School, now one of the largest and most renowned dog training schools in the country, was born.
I ran the program by myself for seven years as it steadily grew. I wrote and revised handbooks for the various courses I taught over the years, did private behavior counseling, read countless books and attended every seminar and workshop possible. By 1990 I was beginning to train other instructors to teach more classes, and by 1993 the school was moved to a much larger facility. By then we had five full time instructors and held fifty classes every week.
Personally, my interest and involvement in competitive obedience was growing. I had fallen in love with the Belgian Malinois. I began traveling regularly to Massachussetts to train under Terri Arnold, an internationally renowned obedience competitor and instructor whose methods emphasize attention, enthusiasm, commitment, and precision. With her expertise, I trained and competed with my own dogs to a national level. I also explored and competed in breed, agility, and herding. In 1991 I began teaching Terri's competitive obedience program at St. Hubert 's, and have now spent almost 30 years teaching this wonderful sport to both beginners and experienced handlers. I worked with Terri Arnold to write a set of three books detailing this remarkably successful training method – Steppin' Up to Success with Terri Arnold. The books took 4 years to write. They were first published in 1995, with a second edition to follow several years later. They are still being sold and used nationwide and overseas.
I served as Director of St. Hubert's Dog Training School for 23 years. In May of 2004 my business partner and I opened The K9 Campus Dog Training School in Randolph NJ, where I continued to teach competitive obedience for four more years until we decided to sell the school. In January of 2008 I opened Riverstone Dog Training, offering competitive obedience classes and private lessons at The K9 Jym in Colmar PA.
As a professional dog trainer, my own dogs speak loudly for me. Buddy was followed by eight Belgian Malinois and one Belgian Tervuren – Shanna, Kayla, Capri, Trip, River, Dune, Echo, Torrent, and Kya. All attained advanced obedience titles in AKC competition and competed on a national level. I have also trained and competed in breed, agility, and herding. Perhaps my greatest love is taking my dogs hiking and swimming, which we do every chance we get.
Why "Riverstone"? Well, my Malinois River was beyond special. His name, Kanduit's Fleuve de la Vie, means "River of Life" in French. I also happen to love the beautiful rocks known as riverstones, and collect them in the rivers of Vermont. River's nicknames quickly became Riverstone, Stone, and Stony. So – "Riverstone Dog Training" was only fitting!


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2 comments:
- Tamsin said...
Should be good this - there are talented writers in the area, but not, frankly, very good at presenting their work. So a while back Sue pitched on the brilliant idea of calling upon the equally talented actors who also live locally and who can read aloud. (Hence it being on a Sunday evening - no theatre commitments.) A formula that works: this is the fourth one. In aid of charity and a nice venue with a bar - what more could you want?
- 2 December 2014 at 14:02
- ianerc said...
Not quite the case Tamsin. A lot of the writers are actors too, but the whole idea is to give work over for development in reheased reading to provide a full theatrical event. Whihc it was, and vey successful too.
- 14 December 2014 at 00:24
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March 20 - 21, 2008
The Federal Reserve Bank of St. Louis hosted a workshop on Applied Econometrics and Forecasting in Macroeconomics and Finance on March 20 and 21, 2008. The workshop is intended for scholarly research papers on topics in all areas of applied macroeconometrics, including forecasting and finance.
For more information about the conference or help with hotel reservations, please contact Beverly Benham at (314) 444-8577 or firstname.lastname@example.com or Denise Cain at (314) 444-8567 or email@example.com.
Please note that attendance is by invitation only.
Thursday, March 20
"Bootstrapping Realized Multivariate Volatility Measures"
Silvia Gonçalves, Université de Montréal
"Resolving the Unbiasedness and Forward Premium Puzzles"
Dan Thornton, Federal Reserve Bank of St. Louis
"Parametric Portfolio Policies: Exploiting Characteristics in the Cross-Section of Equity Returns"
Rossen Valkanov, University of California, San Diego
"Macroeconomics and Reality at Different Sampling Frequencies"
Neville Francis, University of North Carolina, Chapel Hill
"Business Cycle Monitoring with Structural Changes"
Marcelle Chauvet, University of California, Riverside
"Data-Based Ranking of Realised Volatility Estimators"
Andrew Patton, University of Oxford
Friday, March 21
"Estimating DSGE-Model-Conistent Trends for Use in Forecasting"
Sharon Kozicki, Bank of Canada
"Politics and Macroeconomic Performance in the United States: Cycles and Long-Run Outcomes"
Ivan Jeliazkov, University of California, Irvine
"In-Sample Out-of-Sample Fit: Their Joint Distribution and Its Implications for Model Selection"
Peter Reinhard Hansen, Stanford University


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Warm Up To Fall
10/14/2010 10:00
● By Anonymous
Days like these call for something to warm the family up from the inside out. Rich 'N Creamy Mint Cocoa is perfect for a cool afternoon or on an early weekend morning. And this scrumptious Warm Cherry Bread Pudding with Chocolate Sauce is a little bit of comfort food heaven!
These are two of my favorite ways to warm up to fall - what are yours? You can get some new ideas at www.VeryBestBaking.com.
Warm Cherry Bread Pudding with Chocolate Sauce Makes 6 servings
Bread Pudding 18 1/2-inch slices (1 pound loaf) Challah or other egg bread 1 can (12 fluid ounces) NestlÈ Carnation Evaporated Milk 1/2 cup water 4 large eggs 1 1/4 cups granulated sugar 1 tablespoon vanilla extract 1 package (6 ounces) dried cherries (about 1 1/3 cups)
Chocolate Sauce 1 cup (6 ounces) NestlÈ Toll House Semi-Sweet Chocolate Morsels 2/3 cup (5 fluid-ounce can) NestlÈ Carnation Evaporated Milk 1 teaspoon vanilla extract
For Bread Pudding: PREHEAT oven to 400∞ F. Grease six 6-ounce ramekins.
USE a 2 1/2-inch-round cookie cutter or glass to cut circles in bread slices (save remnants for another use). Place on ungreased baking sheet. Bake for 5 minutes or until golden brown. Remove from oven. Reduce oven temperature to 350∞ F.
COMBINE evaporated milk, water and sugar in medium, heavy-duty saucepan. Cook over low heat, stirring occasionally, until sugar is dissolved. Whisk eggs in large bowl. Gradually whisk warm milk mixture into eggs. Stir in rum and vanilla extract.
PLACE prepared ramekins on baking sheet. Place one bread round in each ramekin. Top with level tablespoon of cherries. Repeat layers, then top each ramekin with a third bread round. Divide custard mixture among ramekins. Let stand for 30 minutes, pressing down on bread occasionally.
BAKE for 25 to 27 minutes or until tops are puffed and brown. (Puddings will rise over edge of ramekin but shrink slightly on cooling.) Let cool on wire rack for 10 minutes. Serve with Chocolate Sauce.
For Chocolate Sauce: COMBINE morsels and evaporated milk in small, heavy-duty saucepan. Cook over low heat, stirring frequently, until morsels are melted. Remove from heat; stir in vanilla extract. Makes about 1 cup. Store any remaining sauce tightly covered in refrigerator.
Rich 'N Creamy Mint Cocoa Makes 10 1/2-cup servings
2 cans (12 fluid ounces each) NestlÈ Carnation Evaporated Milk 1 2/3 cups (10-ounce package) NestlÈ Toll House Dark Chocolate & Mint Morsels 1 cup water 1 teaspoon vanilla extract Topping suggestions: whipped cream and NestlÈ Toll House Baking Cocoa
HEAT evaporated milk, morsels and water in medium, heavy-duty saucepan over medium-low heat, stirring frequently, until hot (do not boil). Remove from heat. Stir in liqueur and vanilla extract.
POUR into ten 4-ounce demitasse cups or five mugs. Top with whipped cream and dusting of cocoa.
VARIATION: Substitute evaporated lowfat 2% milk for the regular evaporated milk.
Photo courtesy of NestlÈ


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In just a few days, I'll be flying directly to Iceland from Edmonton. I've been counting down the days for a while, it's hard to imagine that it's so close. In reality, this blog is going to get a lot busier for the rest of the year, and it starts here.
I've been itching to pack my bags for a long time, ever since I bought these packing cubes. This weekend, I finally decided it's a reasonable time to do so. I'm trying to stick with a carryon suitcase and a backpack, which will store my laptop, camera, etc. Here is a short video I made to show you the actual clothing I'm bringing with me.
What to pack for Iceland in April
Thanks for watching!
I'll be sharing the week-long Iceland journey on this blog, along with on other social media. I've got an itch to vlog it, but my insecurities might get the best of me. We'll see how it goes. Follow along with me:


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1. About This Privacy Policy
Welcome to the Herio Capital website, www.heriocapital.com (together with any user, borrower or investor accounts on this website, the "Website"). This Privacy Policy (this "Policy") sets forth Herio Capital's policy with respect to:
If you do not agree with anything contained in the Policy, please do not submit information to, access information from, or otherwise utilize the Website.
In this Privacy Policy:
The Website is designed for owners, employees and agents of businesses, corporations and other entities contemplating entering into loans, potential investors and any person interested in learning more about Herio Capital, its products and services. This Policy also applies to:
The Website is intended for persons 18 years of age and older. If you are under 18, we ask that you do not submit any personal information through the Website, by e-mail or any other means of communication to Herio Capital.
2. Modifications to This Policy
By using or accessing the Website, you agree that we may modify this Policy at any time without prior notice. We will have no further obligation to notify you of any modifications. Herio Capital reserves the right to make changes to this Policy at any time and from time to time. Your continued use of the Website after any modification of this Policy will conclusively indicate your acceptance of the modification and the Policy as so modified.
It is your responsibility to review this Policy from time to time to see if modifications have been made. Any modification is effective immediately upon posting on the Website. You will know if this Privacy Policy has been modified since your last visit to the Website by referring to the "Last Modified" date at the bottom of this page. Notwithstanding the above, we will seek your consent to future modifications to the extent we are required to do so by applicable law.
3. Exclusions
This Policy applies only to information collected through our Website and by e-mail, telephone and other electronic communication and not to information collected otherwise, if any. This Policy does not apply to any unsolicited information you provide to Herio Capital through the Website or through any other means. This includes, but is not limited to, any ideas for new products or modifications to existing products, and other unsolicited comments or submissions (collectively, "Unsolicited Information"). All Unsolicited Information shall be deemed to be non-confidential and Herio Capital shall be free to reproduce, use, disclose, and distribute such Unsolicited Information to others without limitation or attribution.
4. Information We Collect
We collect information about you in three ways:
By voluntarily providing us with personally identifiable data, you are consenting to our use of it in accordance with this Policy. If you provide personally identifiable data to us via the Website, e-mail, telephone or other electronic means, you acknowledge and agree that such data may be transferred from your current location to the offices and servers of Herio Capital and/or any third party service providers authorized by Herio Capital, which may be located in the United States or other countries.
5. Our Use and Storage of Your Personally Identifiable Information
Any of the information we collect from you may be used in one or more of the following ways:
Note: If you would like to unsubscribe from receiving e-mails at any time, please contact us by sending us e-mail to email@example.com.
The personally identifiable information that you provide and that we collect will be stored and maintained by Herio Capital for so long as we, in our sole discretion, believe is necessary or appropriate (a) to carry out the purpose(s) for which such information was collected, in accordance with this Policy, or (b) to comply with applicable laws, contracts or other rules or regulations. When you contact Herio Capital, we may keep a record of your communication to help solve any issues you might be facing.
If you register for a Herio Capital Account as a borrower or investor, the personal information that you provide and that we collect will be stored and maintained by Herio Capital for as long as you maintain an active Herio Capital Account and for as long thereafter as may be required by any applicable law or regulation.
Upon our collection of your personally identifiable information, Herio Capital may use such personally identifiable information internally, separately or in combination with pre-existing information, for the purposes below. We will ask for your consent before using information for any purpose other than those described here:
When showing or providing you with tailored content, we will not associate a cookie or anonymous identifier with sensitive categories, such as those based on race, religion, sexual orientation or health. We may combine personal information about you received from several sources in order to tailor the content you may access and/or receive.
6. Cookies and Other Technologies
We use various technologies to collect and store personal and non-personally identifiable information when you use the Website. This may include sending one or more cookies or anonymous identifiers to your computer or mobile device, including "web beacons," clear GIFs, pixel tags and other means. "Cookies" are small files that a website or its service provider transfers to your computer or mobile device through your Internet browser when you visit a website that enable the website's or service provider's system to recognize your browser and capture and remember certain information. "Pixel tags" are not visible to a user of a website and consist of a few lines of computer coding delivered with the web pages accessed. Herio Capital may use such technologies or similar technologies to obtain non-personal information from you as an online visitor.
Most browsers accept Cookies automatically, but can be configured not to accept them or to indicate when a cookie is being sent. Generally, information in your browser's "Help" section of the toolbar, or on the website of the browser designer or vendor, will explain how to turn off or modify your browser's settings regarding Cookies. Please note that without Cookies, you may not be able to take full advantage of all of the Website's features.
We may use Cookies, among other things, to keep track of any advertisements we may display or to compile aggregate, non-personally identifiable data about site traffic and site interaction so that we can offer better site experiences and tools in the future. We may contract with third-party service providers to assist us in better understanding our site visitors. These service providers are not permitted to use information about or from users collected on our behalf, except to help us conduct and improve our business.
7. Safeguarding Your Access Information and Password; Your Responsibilities
Subject to our account registration procedures and the Terms of Use, you may not be granted access to your Herio Capital Account, your account information or certain investment or financial information online until you have entered a user name and password. To conduct a financial transaction, the user will be required to identify itself by using the last four digits of the user's Social Security Number or Employer Identification Number.
As a user of the Website and your Herio Capital Account, you are solely responsible for maintaining the secrecy and confidentiality of your password, PIN and other account information and should take steps to protect them from misuse. You are solely responsible for all actions or activities that occur on the Website or any Herio Capital server, computer, system, network, cloud or software connected to or through the website that is performed on or through your Herio Capital Account during the time your user ID and password are logged in to the Website, whether or not expressly authorized by you. You and we acknowledge and agree that we have no duty to inquire as to the authority or propriety of any instructions given to or input on the Website or your Herio Capital Account using your ID and password or other security data or credentials and that we are entitled to act upon any such instructions or input without liability to you.
Although we strive to develop and maintain adequate safeguards designed to protect personal information, please be aware that no security measures are completely secure or impenetrable. We cannot guarantee that only authorized persons will view your information or that information you share on the Website or via e-mail or other electronic communication with Herio Capital will not become publicly available or intercepted by third parties. By your continued use of the Website, you acknowledge and agree that Herio Capital and its service providers will not be liable for any harm or damage you may experience by transmitting or submitting personal or confidential information to Herio Capital by e-mail or other electronic communications or via the Website.
If you become aware of any unauthorized use of, loss or theft of your username, password, PIN, or other account information or credentials, you should immediately inform us at email@example.com .
8. Our Sharing and Transfer of Your Personal Information
Herio Capital will not trade, sell or share your personal information with or to any third party except in the following circumstances:
9. Indemnity for Service Provider Acts
You and we acknowledge and agree that Herio Capital shall have no liability to you or any other person for, or resulting from, any acts or omissions by any agent, representative or third-party service provider whom you may at any time delegate, or who is acting on your behalf, while such person is using your Herio Capital Account. You hereby agree to indemnify, save and hold harmless Herio Capital, its affiliates and subsidiaries and its and their respective successors, assigns, shareholders, partners, members, officers, directors, managers, licensors, independent contractors, consultants, employees and advisors in their individual and representative capacities from and against any suit, action, claim, demand, penalty or loss, including reasonable attorneys' fees and expenses and any amount paid in settlement to a third party, brought by or resulting from any third party (including any government agency or body) due to, in connection with or arising out of any such act or omission by your agent, representative or third-party service provider while such person is using your Herio Capital Account, regardless of whether the specific use was authorized by you.
10. Your Access to Your Personal Information
We attempt to keep your files complete, up-to-date, and accurate. We offer several ways for you to update your personal information or notify us about information needing correction:
We reserve the right to deny access to your personally identifiable information (a) when such denial of access is required by law, (b) when granting you access is reasonably likely to negatively impact other people's privacy, (c) to protect our rights and property and (d) when such requests are frivolous or made for fraudulent purposes or in bad faith.
11. Children's Privacy
The Website is intended for persons 18 years of age and older. We do not knowingly collect personal information from persons under 18 years of age. Accordingly, the provisions of the Children's Online Privacy Protection Act do not apply to the Website. We encourage all parents and guardians to talk to their children about online safety and privacy and to monitor their children's use of the Internet and mobile applications.
12. Our Security Measures and Use of SSL; Users Outside the United States
The data and privacy protection applicable or available to your personal information may differ from the protections required by the laws of certain countries or territories, such as the European Union. We make no claims that the Website or any of its contents may be downloaded or accessed outside of the United States or are appropriate for or comply with the laws of any other country or territory. If you access the Website from outside the United States, you do so at your own risk and are responsible for compliance with the laws of your country. You may not use or export any content of the Website in violation of U.S. export laws and regulations or any other U.S. or foreign statutes, rules or regulations, or international treaties.
We have security measures in place to protect against the loss, misuse and alteration of the information under our control. However, please note that transmissions via the Internet, telephone, e-mail, mobile networks and other electronic means are never completely private or secure. You acknowledge that (i) any messages or personal information you send to us or the Website, including by e-mail, may be read or intercepted by third parties and (ii) in the unlikely event of a security breach, the servers containing your information could become accessible. If you have any questions about the security of personally identifiable information we collect, please contact us at firstname.lastname@example.com .
Data transmitted via the Website may use a Secure Sockets Layer (SSL) protocol, and data may be encrypted on some pages of the Website. To the extent such technology is utilized on a given page, you may be unable to use certain account or customization features of the Website unless your web browser software supports such encryption. Please note that no technology can be considered completely secure or impenetrable and Internet protocols and other public and/or proprietary technology used or accessed by the Website may be vulnerable to exploitation or compromise by persons engaged in hacking or criminal conduct. We and you each acknowledge and agree that we shall have no liability to you for any such exploitation or criminal conduct by third parties.
13. General
You acknowledge and agree that all rights not otherwise expressly granted to you by this Policy are reserved to Herio Capital. This Policy, together with the Terms of Use, which are hereby incorporated by referenced herein in their entirety, constitutes the sole and entire agreement between you and us with respect to the subject matter hereof and thereof and supersedes all other prior or contemporaneous negotiations, discussions, agreements, understandings, representations and warranties, both written and oral, between you and us with respect to such subject matter. You agree that no joint venture, partnership, employment, or agency relationship exists between you and Herio Capital as a result of this Policy or any use of the Website. The failure of Herio Capital to exercise or enforce any right or provision of this Policy shall not constitute a waiver of such right or provision. If any provision of this Policy is found by a court of competent jurisdiction to be invalid, void, unlawful or unenforceable, the Parties agree that the court should give effect to the Parties' intentions as reflected in such provision, and the other provisions of this Policy shall remain in full force and effect. The section titles in this Policy are for convenience only and have no legal or contractual effect. Neither the course of conduct between you and Herio Capital nor trade or industry practice shall serve to modify or waive any provision of the Policy. For purposes of this Policy, the terms "include," "includes," "including," "such as" and "for example," shall be construed as if each term were followed by the words, "without limitation." Except where context requires otherwise, use of the singular form of any noun includes the plural, use of the plural includes the singular, and use of any masculine, feminine or neutral pronoun includes any other gender.
14. Choice and Opt-Out Preference; Termination
If, at any time, you prefer not to receive further e-mail communications from Herio Capital, you will have the ability to unsubscribe from all or some of such communications by updating your preferences in your Herio Capital Account or to contact us to opt out using the contact instructions listed below. If, at any time, you prefer not to receive any other form of communication from Herio Capital, you will have the ability to unsubscribe from such communications by:
As noted above, we will retain your information for as long as your Herio Capital Account is active or as needed to provide you services or as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements. If you wish to cancel your Herio Capital Account or request that we no longer use your information to provide you services, contact us in accordance with the contact information above.
15. Choice of Law; Forum for Disputes
This Policy and all disputes, claims or controversies (whether in tort, contract or otherwise) arising out of or relating in any way to this Policy, the Website or the Content, the interpretation, validity or performance of this Policy, the rights and obligations of you and us under this Policy or any transaction contemplated by the Website shall be governed by and construed in accordance with the laws of the State of New York without regard to the rules or principles of conflict of laws of such State or any other jurisdiction that would permit or require the application of the laws of any other jurisdiction.
We and you each hereby irrevocably and unconditionally consent to submit to the sole and exclusive jurisdiction of the courts of the State of New York and of the United States of America located in the State of New York, City of New York, Borough of Manhattan (the "New York Courts") for any litigation, lawsuit or proceeding between you and us arising out of or relating in any way to this Policy (including any non-contractual claims), the Website, the interpretation, validity or performance of this Policy, the rights and obligations of you and us hereunder or any transaction contemplated by the Website. You and we each waive (give up) any objection to the laying of venue of any such litigation in the New York Courts and agree not to plead or claim in any New York Court that such litigation brought therein has been brought in an LLConvenient forum or that there are indispensable parties to such litigation that are not subject to the jurisdiction of the New York Courts. You and we each hereby irrevocably waive any and all rights which you or we, respectively, may have, or may have had, to bring such litigation in or before any other court or tribunal (whether domestic or foreign), or before any similar domestic or foreign authority or body, and agree not to claim or plead any such rights.
WE AND YOU EACH AGREE THAT THERE WILL BE NO RIGHT OR AUTHORITY FOR ANY DISPUTE TO BE BROUGHT, HEARD OR ARBITRATED AS A CLASS ACTION (including WITHOUT LIMITATION OPT OUT CLASS ACTIONS OR OPT IN COLLECTIVE CLASS ACTIONS), OR IN A REPRESENTATIVE OR PRIVATE ATTORNEY GENERAL CAPACITY ON BEHALF OF A CLASS OF PERSONS OR THE GENERAL PUBLIC. ALL DISPUTES SHALL BE RESOLVED ON AN INDIVIDUAL BASIS ONLY.
18. Links to Third Party Websites
The Website may also contain links to websites that are not controlled or operated by us. This Policy does not apply to such third party websites, and Herio Capital is not responsible for the content of such websites or the privacy practices of the third parties controlling or operating such websites. We encourage you to request and review the privacy policies of any third parties before disclosing your information such parties or visiting such third party websites. Any links to third party websites or information do not imply that Herio Capital sponsors, endorses or has reviewed such websites or information.
19. Special Notice to California Residents
Your Rights Under S.B. 27
Under S.B. 27 as enacted in California law, California residents have the right to receive, once a year, information about third parties with whom we have shared information about you or your family for their marketing purposes during the previous calendar year, and a description of the categories of personal information shared. To make a request under S.B. 27: please send a message to email@example.com . Please include the phrase "California Privacy Request" in the subject line, and provide us with your name, address and e-mail address. We will respond to you within thirty (30) days of receiving such a request.
Do Not Track
Herio Capital supports Do Not Track ("DNT") with respect to your usage of the Website. DNT is a privacy preference that you can set in your web browser to indicate that you do not want certain information about your webpage visits collected across websites when you have not interacted with that service on the page. For all the details, including how to turn on Do Not Track, visit donottrack.us.
When you turn on DNT in your browser, we stop collecting the information that allows us to optimize the services and communications we provide you and offer additional Herio Capital products and services that may be of interest to you based on your recent visits to websites that have integrated our buttons or widgets. Specifically, we stop collecting the unique browser cookie that links your browser to your previous visits to these websites.
Third Party Collection of Your Personally Identifiable Information
Third parties may collect personally identifiable information about your online activities over time and across different websites when you use the Herio Capital Website.
20. Questions or Comments – Our Contact Information
Herio Capital welcomes questions and comments about this Policy. Questions or comments should be directed to firstname.lastname@example.com. This e-mail address should not be used for any inquiries relating to specific loans or investments.
Effective Date:
Last Modified:


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400 N Florida Ave, Lakeland, FL 33801
The Lawton Chiles Middle Academy family consisting of students, staff, parents, and the community are partners in guiding our students' education bydeveloping a high interest in all academic areas with an emphasis on math, science, and technology, enabling students to maximize the development of their talents in music and the arts, providing a safe and orderly environment that is student-centered, promoting high expectations academically, socially, and technologically, equipping students to work at their highest capability, stressing verbal and written communication, focusing on the development of critical thinking and problems solving skills, integrating real world situations into the classroom, encouraging an acceptance of cultural differences, ideas, feelings, and talents through cooperative learning and social skills development, linking technology to learning in the classroom and developing proficiency in computer usage, and demonstrating strong parent support and commitment for the education of their child.
Lawton Chiles Middle Academy is fortunate to be housed in a beautiful old building with valued local history. Our building was built in 1927 as Lakeland High School. In fact, our school is named after our former Governor Lawton Chiles, who graduated from this school in 1948. After Lakeland High School built a new campus, Lakeland Junior High School was housed in our building, and then Polk Opportunity School. This building is now the site of L.C.M.A. We strive to keep the past alive while we look forward to the future. Lawton Chiles Middle Academy, a math, science, and technology magnet school, was developed as a result of a desegregation court order during the summer of 1992.
At Lawton Chiles Middle Academy our curriculum focuses on the Florida Sunshine State Standards. As a magnet school, our special emphasis is placed on mathematics, science, and technology. Each student attends eight periods each day, which include four academic subjects (math, science, language arts, and social studies), an integrated lab class or reading class, and two elective classes.
High expectations are evident at Lawton Chiles Middle Academy, which lead to high achievements for students who may earn high school credit while in middle school. High school credit is offered in algebra, Spanish I, and Latin I. Students must maintain a 2.0 cumulative grade point average for conferment of high school credit.
Residences zoned for George Jenkins, Lakeland High School, Lake Gibson, the following high schools are eligible to apply at Lawton Chiles Middle Academy: George Jenkins, Lakeland, Kathleen, and Lake Gibson.


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Emerging countries were and remain heavily impacted by the monetary policies of the main central banks in mature economies, the most recent examples being the taper and the dollar tantrums. However, it should be pointed out that foreign investors reacted differently as these two events unfolded. In fact, during the taper tantrum, investors seemed not to discriminate between emerging countries. Yet during the dollar tantrum, it seems that only particular emerging countries experienced smaller capital inflows, and even some capital outflows.
The risk of another round of stress remains. The divergent paths pursued by the ECB and the Fed are potentially destabilising for the emerging sovereign debt markets. The ECB's quantitative easing programme is a fresh source of risk while the consequences of a potential Fed funds rate hike remain very hard to predict. In order to identify the potential impacts on emerging country capital flows arising from this very unusual environment, we firstly propose taking a retrospective look at the taper and the dollar tantrums using an approach that allows us to categorise the different emerging countries on the basis of their fundamental characteristics.
Secondly, we will highlight the aspects specific to Europe that are fuelling current bond volatility.
Emerging economies can be categorised into four different groups
We have introduced a basic scoring system whose methodology is detailed in the box below.
Once sorted into an ascending hierarchical classification, the 20 emerging countries of our sample can be broken down into four different groups: China and its partners, economies with a need to diversify their offer, Central Europe and the most fragile economies.
The first group is comprised of the major emerging countries of Asia (China, South Korea, Malaysia, the Philippines, Taiwan and Thailand). This group is made up of surplus economies. The current accounts of these economies stand on average at 6% of GDP; the latter has been strengthened in large part by lower imports. As surplus economies, these countries have had low borrowing requirements over the years and, as a consequence, their stock of public debt is relatively low. It now stands at 37% of GDP compared to an average of 62% for the sample. By contrast, the indebtedness of private players is fairly high since the stock of private debt (households + corporations) stands at 142% of GDP vs. the sample's average of 126%. External debt, i.e. public or private debt denominated in non-national currencies, remains at low levels: 35% of GDP vs. an overall average of 103%. However, it is predominately made up of short-term debt (46% compared to about one third on average for all the countries in our sample).
The second group is made up of countries in need of diversifying their offer (Chile, Colombia, India, Indonesia, Peru, Czech Republic and Russia). In this group we make a distinction between the economies that export commodities, which include the economies of Latin America such as Chile, Colombia and Peru on the one hand and Russia and Indonesia on the other. In addition, this second group includes countries such as India or the Czech Republic, with the latter being highly dependent on the automotive sector. They are not all deficit economies. Colombia and Peru have the highest current account deficits (more than 4% of GDP) while India and Indonesia are running a current account deficit of between 1% and 2% of GDP.
Their level of gross savings is fairly low and declining further. On average, it is close to 20% of GDP, with the exception of Indonesia and the Czech Republic, where the gross savings rate is about 30% of GDP.
The third group is made up of three Emerging Europe countries (Hungary, Poland and Romania). This group is more uniform relative to the previous ones because their economies have a low savings ratio, a balanced current account (a very high surplus in Hungary), and a level of external debt relative to GDP along the lines of 88% on average, which is double the average for the emerging economies in our sample.
Finally, the fourth and last group is made up of so-called fragile economies (South Africa, Brazil, Mexico and Turkey). This is an identifiable group. These economies have the most deteriorated savings/investment balances (worsening current accounts, general government balances in deficit and lower gross savings). These economies can also be characterised by their need to refocus their growth models, now based on domestic demand, toward a model that is more investment-driven.
The "taper tantrum" will result in a massive capital outflow
As we emphasised, two significant events in the last two years caused turmoil in the bond markets of emerging countries. They left their marks on the dynamics of bond portfolio flows.
The first of these events occurred on 22 May 2013 when Ben Bernanke, the then Fed Chairman, gave a speech announcing the gradual phase-out of the Fed's last QE programme, which increased uncertainty in every financial centre around the world. One of the notable impacts of the Fed's tapering was a massive outflow of foreign capital from emerging bond markets.
These outflows took place without any discrimination or selectivity within all four groups described above. This round of capital outflows from emerging markets began very suddenly in early May 2013 and ended in March 2014. The impact of this sudden stop was disproportionate. The impact of the "taper tantrum" speaks for itself since, on average, about 35% of the stock of bond investments acquired pre-tapering1 were sold off.
In contrast, the dollar tantrum was more discriminating
In a second phase, the dollar appreciated very rapidly against almost every other currency as a result of the historic divergence between the monetary policies of the Fed and the ECB. The former announced its intention to gradually return to a conventional policy while the latter strengthened its non-standard tools by launching a QE programme. The period referred to as the dollar tantrum, when the real effective exchange rate of the dollar appreciated nearly 13% and almost 30% against the euro, ran from July 2014 to the first quarter of 2015.
From the standpoint of portfolio bond flows, our four peer groups were impacted fairly differently. In fact, compared to the stock of bond investments in our portfolios purchased during the pre-tapering phase - hence before the first bout of stress -, the reduction in stock was only 2.7% for the Chinese bloc but 7% for the Emerging Europe group and 10% for the group made up of the most fragile emerging countries. The only group that saw its stock of portfolio bond investments replenished, with an increase of nearly 5% for this period, was the one made up of economies in need of diversifying their offer. That being said, on closer inspection it should be stressed that this increase is mainly due to heavy capital inflows into the Indian bond market. This predilection for India should be seen in the context of the coming into office of Narendra Modi, who was then credited with having a genuine capacity for reform.
The risk of another bout of stress for emerging debt cannot be discounted
Will the final act of the divergence between the Fed and the ECB end with a liquidity tantrum, during which the bond markets could be destabilised by a systemic bond market liquidity shortage? A QE programme fundamentally aims at changing market liquidity into monetary liquidity to support domestic demand. Thus, the surplus demand linked to QE can have a significant impact on the liquidity of certain bond segments.
Instruments such as the Bund or Treasury bonds are central to portfolio building since they are negatively correlated to credit assets (emerging country sovereign or corporate debt). Should risk premia linked to bond volatility form in European and US yields, it will lead to an automatic increase in the correlation between yields and credit assets. Ultimately, the appetite for the riskiest credit assets, such as emerging debt, could drastically diminish.
The current bond situation is wholly extraordinary. The specific nature of the European quantitative easing stems from the severe liquidity shortage caused by an asset purchase programme that is expected to absorb 40 to 50% of Bund issues and from negative rates across most of the yield curve.
It is important to bear in mind that the recovery of risk-free interest rates is a movement that was seen each time the Federal Reserve launched one of its asset purchase programmes in the past five years. In all three cases, the increase in inflation expectations accounts for most of these rate movements. Higher interest rates confirm the effectiveness of the strategy as it aims at increasing inflation expectations and reallocating investor portfolios toward riskier assets. It was probably this movement that Mario Draghi was referring to during June's monthly press conference, when he stated that investors should get used to periods of higher volatility.
Will the volatility of US Treasury bonds result in a resurgence of currency volatility?
In the context of European QE, the current rise in European rates is likely being fuelled more by the formation of a liquidity premium rather than by an increase in inflation expectations. This is notably confirmed by the fact that the rebound of medium-term break-even inflation rates is already a first sign pointing to a downturn.
The climate has turned less favourable for emerging country rates. Firstly, local rates are being hurt by investor fears of a resurgence of emerging currency volatility. Indeed, the resurgence of bond volatility, in particular US Treasury bond volatility, should lead to higher volatility in the currencies of advanced economies and emerging market economies alike. It is clear, therefore, that the Fed's strategy will be crucial for avoiding a powerful comeback of emerging currency volatility. We are maintaining our scenario of a very gradual approach by the Fed. As a consequence of this, we expect emerging volatility to remain fairly limited.
The relative strength of the spreads on dollar-denominated debt seems to actually indicate that investors' current unease is focused on foreign exchange. However, to ensure that spreads remain impervious to renewed European bond volatility, it is important to avoid any shock that might result in surplus demand for US Treasury bonds. On this score, the current environment remains difficult: the US economy is slowing down and China's financial stability is deteriorating with soaring local equity markets.
Should another bout of stress occur, it is very likely to be the group of economies with the greatest need to diversify their offer that will feel the effects as well as the economies of Central Europe, which all have a very large stock of external debt.
1 The pre-tapering phase is defined as the period between January 2004 and May 2013.
The divergent paths pursued by the ECB and the Fed are potentially destabilising for the emerging sovereign debt markets
The 20 emerging countries of our sample can be broken down into four groups: China and its partners, economies with a need to diversity their offer, Central Europe and the most fragile economies
The current bond situation is wholly extraordinary. Neither the trademark recovery in rates nor the bond volatility inherent in a low-rate environment can quite account for it
The current rise in European rates is likely being fuelled more by the formation of a liquidity premium rather than by an increase in inflation expectations
Publication (Download)
Cross Asset of June 2015 in English


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Data Import In November CTP
New Data Sources
This post takes a closer look at the variety of sources PowerPivot can to import data from. In our previous posts we introduced Import Wizard as well as importing from Data Feeds.
In the November Technology Preview, there are numerous enhancements.
First change you see is PowerPivot window offers you shortcuts to the most popular sources of data. First three buttons on the ribbon lets you choose your sources: Importing data From Database, From Files, or From Data Feeds:
To see a full list of data sources, "From Other Sources" shows this:
The list is fairly quite long:
- Microsoft SQL Server
- Microsoft SQL Azure
- Microsoft Access
- Microsoft SQL Server Analysis Services
- PowerPivot workbooks published to Analysis Services running in SharePoint Integrated Mode
- Oracle
- Teradata
- Sybase
- Informix
- DataFeeds
- Excel workbooks
- Text files
In addition, as we previously mentioned in the Data Import post, users can go through "Others" and choose to import data from any OLEDB or ODBC data source as well. The list of sources you see above is just the list of sources we test with.
Since PowerPivot uses Analysis Services internally, the latest OLEDB provider for Analysis Services will be installed. Aside from this, installing PowerPivot will not automatically install all data source providers that PowerPivot supports. For example, you may need to install any additional ODBC or OLEDB providers on the the client that is creating a workbook using this driver.
Most likely after installing PowerPivot for Excel on your machine you will have connectivity to following sources:
- Microsoft SQL Server
- Microsoft Access
- Microsoft SQL Server Analysis Services
- PowerPivot workbooks published to Analysis Services running in SharePoint Integrated Mode
- Microsoft SQL Azure
- DataFeeds
- Excel workbooks
- Text files
Connectivity to Access, Excel workbooks, and Data files is provided by the ACE OLEDB provider (Microsoft Office 12.0 Access Database Engine OLE DB provider) brought along with installation of Office products.
Connectivity to Analysis Services, PowerPivot workbooks and Data Feeds is built in into PowerPivot product. SQL Azure Database connectivity is via managed SQL ADO.NET provider that you most likely have on your machine as part of .Net Framework installation.
Note that as we discussed in the Data Refresh blog, in order for Data Refresh to succeed on PowerPivot for SharePoint, your IT Admin will need to install the right provider. In addition, any of the data sources used in your workbook need to be accessible from the SharePoint farm for Data Refresh to succeed.
Now lets briefly describe a few providers.
Importing Flat Files
Choosing to import data from flat file brings up a "Connect to Flat File" dialog where users pick a path to the file, the separator used as column delimiters, and whether the first row contains column headers. An advanced option allows encoding and locale specification:
The Preview pane allow exclusion of unnecessary columns as well as specification of filters which reduce data loaded into PowerPivot.
Importing from Analysis Services and PowerPivot
PowerPivot supports importing data from SQL Server Analysis Services database as well as from another PowerPivot workbook published to PowerPivot for SharePoint.
Users have a choice of either importing from an Excel file or connecting to PowerPivot for SharePoint to extract the PowerPivot data from a workbook. Note that through the former route, only data on a worksheet can be imported. This is typically a subset of all the data which exists in PowerPivot.
Selecting "From Analysis Services and PowerPivot" menu item brings connection dialog for connecting to both Analysis Services and PowerPivot data. The reason these are grouped together is that internally PowerPivot leverages Analysis Services and, in fact, both Analysis Services and PowerPivot support the same (XML for Analysis) protocol and the same (OLEDB Provider for Analysis Services) driver. The only difference between connecting between them is the server name specified.
- For Analysis Services, the server name is the name of an Analysis Services server or an IIS gateway to it.
- For PowerPivot, the server name is the URL to the workbook published to SharePoint.
Since MDX is the query language for Analysis Services and PowerPivot, the query specified for extracting this data can be designed using the MDX Query Designer. This is the same designer provided in Reporting Services as well and allows a drag and drop construction of the query:
Importing from SQL Azure
SQL Azure allows users to host relational data in the cloud. At the time of this writing, SQL Azure is in the Community Technology Preview (CTP) status. More information is available at http://sql.azure.com.
PowerPivot has support for SQL Azure built in. This connectivity is very similar to an on-premises SQL Server, the connection dialog allows users to enter a path and credentials to access the SQL Azure database. Under SQL Azure, the path to a database is accessible on the admin page.
Using Other Providers
As such, PowerPivot supports selection of specific provider through the connection dialog. The list of providers will depend on what is installed on the machine:
This concludes a quick walkthrough of the connectivity enhancements introduced in November CTP. As usual, we look forward to getting feedback on this and PowerPivot features on our PowerPivot for Excel or PowerPivot for SharePoint forums.


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There is plenty that a chair can do for your space. While the common comfort it offers is usually a luxury that most get to enjoy, buying antique chairs will also add some glamour and style to your living room and ensure that you have the best possible theme going for your living room. It is even better if you opt to get an antique rocking chair. The only problem is, given that this is usually not your typical kind of furniture, being able to select the right one can prove to be quite an uphill especially because you want to make sure that you get something worth the value and at the same time get plenty of quality squeezed in.
Before you give up on your quest to get the best antique rocking chairs, there are some tips that could ensure that you are able to get the most value out of your experience and help the process be more fruitful for you. Keep in mind, these are not shortcuts but great ways to make sure that your efforts and your money are put to great use. There are a number of things that have to be put in consideration and it is important to make sure that you consider each and every one of them for the best results. With that in mind, let's get started on how to get that antique rocking chair home without digging yourself into a financial mess.
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What to consider when buying the best antique rocking chair?
Type of rocking chair
What type of antique rocking chair would you like to have? There are a couple out there and even though the general idea is all the same, depending on the use you have in mind for the chair, there are certain adjustments that are made to make the old fashioned rocking chairs more comfortable for their intended use. For instance, you can decide to have a nursing antique rocking chair, a child's rocking chair and even outdoor rocking chairs. Arguably each of the designs will differ slightly to ensure that they are able to serve the different purposes to the best of their abilities. With that in mind, you can now choose which type of vintage rocking chairs you would like to buy.
Antique design
One of the greatest features of any antique rocker is the design. The chairs first originated in the American colonies and grew into the hearts of most people quite first. As such, the first rocking chairs usually featured normal chairs that were attached to considerably long rockers as antiques at the time were just as valuable to collectors as they were to the consumers. This is why the design of the rocking chair that you would like to have matters a lot. There are simple but elegant designs like the Danish rocking chairs but what you would like to settle for will largely depend on your taste and the era that you would like your antique rocking chair to come from.
Padded or not padded
While this might not seem like a very essential factor to consider, it might turn out to be considering the difference that padding can bring to the table. For some people, not having padding on their antique rocking chairs allows the chair to show off its frame and the mastery that goes into the creation. Surprisingly, the chairs also tend to be quite comfortable even without the padding which is a great added advantage and one that plenty of people would find to be quite essential.
On the other hand, padding adds to the design and depth of the chair not to mention that there is definitely some level of comfort that is achieved. Furthermore, padded antique chairs are considered more of a statement chair rather than just a piece of furniture in the home. Which is why the choice to have or not to have padding can be a big one if you want more from your antique rockers. The best thing about going for padding is the fact that it opens you up to more choices. It can be done with different materials and the extent of padding can also vary which allows you to choose what or how far you would like to go.
You also need to consider the materials that have been used in the making of the chair. For instance, having an old rocking chair made out of pine will show more signs of damage and age like scratches, dents, and scuffs compared to those that are made from the sturdier oak wood. As such considering the type of material that has been used for your kind of rocking chair will greatly indicate the state that you are most likely to find it in. if the material happens to be a soft kind of wood, then you can rest assured that even though the old rocking chair might not be as old, courtesy of the wood, it will show more damage compared to those that are made from hardwood. Consequently, vintage rocking chairs made from hardwood will typically cost you more which is yet another reason as to why you need to make sure you consider the type of material used on the chair.
Usually, the older the better. Some of the damages on the chair only go to show the history and age of the chair which is something that most collectors and buyers love. Scratches and discoloration are some of those damages that might even push antique rocking chair value however, other damages like cracks on the chair and broken rockers only serve to make the situation worse and might affect the price negatively.
When buying the antique chair, you might also want to consider what it was previously being used for as this tends to have a great toll on its current state. For instance, outdoor rocking chairs are heavily exposed to elements of weather and hence will tend to show more signs of age than those that have been used for showrooms and parlors.
In most cases this would not be a very touchy issue especially if you are an experienced DIYer but considering that not everyone might be, it is good to have it in the back of your mind. Typically, for the sake of safe shipping and reduction of damage, the chair might have to be dissembled and once it gets to the destination you might have to assemble it once again. Before you panic at the thought of having to put something together, you might want to look around. There are a number of other options that you can check out that might not require a lot of assembly. However, if you are great with your hands, the level of assembly should not be much of a concern for you.
One of the ways that you can assess the extent of assembly that a chair needs is by looking at the number of parts that it has. Typically the more that this parts happen to be the more assembly it will require. Also you need to look at the country of origin. Not to imply that some countries are better at engineering than others but if the country does not have the same native language as you, there are very good chances that the translation will be subpar and will likely confuse you making the assembly even harder. There other option that you have is to have the chair come in fully assembled but this will cost you more both on the purchase and in the shipping.
Consider the use
Because of the aura and the comfort that antique chairs offer, they can be used in a number of settings include outdoors. To be able to serve their purpose better, there are a number of changes that could be made to improve their feel. For instance, antique rocking chairs meant for the outdoors can be made from metal or hardwood that is retardant to the weather elements while their indoor counterparts require less aggressive materials. Because of this, you need to consider where and how you intend to be using your antique chairs. This way you get one that will not only fit the purpose but ultimately built for it.
Ease of cleaning
For your antique rocking chair to remain glamorous, you will need to make sure that you clean it from time to time. For this, the ease of maintenance and precisely cleaning is very essential and requires you to have knowledge of how to go about it. If you are not conversant about proper cleaning techniques for different antique rocking chair styles, you might need to go for one that is easy to cleaning. Non-padded ones are a great option since they do not require a lot of work. If you are a sucker for padded antique rocking chair styles, then you could opt for those that have removable covers that you could simply stick into the washing machine and get it over with. After all, a clean and well-kept chair will be able to serve you for longer and still look better.
Since buying antique chairs is not everyone's everyday cup of tea, it is only essential to make sure that you have the right concoction that will ensure you get ultimate comfort for a rock bottom price. After all, it is not always you will come across old rocking chairs for sale so when the opportunity presents itself, you have to make sure that you have the tools to take full advantage of it. This guide right her has all the tools that you would need. If you need further help, perhaps these reviews could also point you in the right direction.
Coaster Rocking Chair with Carved Detail Review
If you are looking for a great antique wooden rocking chair and you have little or no knowledge of how to maintain it, then this would be a great choice. Not only is it a great option because of its low maintenance demands, it also happens to offer great comfort and relaxations as is evident from the features that it has to offer.
The coaster rocking chair boasts of a wide variety of features that make the rocking chair a must buy. The carved detail with a walnut finish make the chair quite appealing to the eye and to those that have a thing for great taste not to mention the easy assembly which is perfect for people with little DIY skills. The chair also comes with a dark brown color finish that makes it easy to blend with the rest of the pieces in the house and would fit in practically every theme you might have going for your home.
There are plenty of benefits that would come with the purchase of such a chair. The first is obviously the utter beauty and attraction that it would add to any space. The ease of assembly is also a plus especially for those that might not want to go the extra mile and hire a professional to get the job done on their behalf and the firm build ensures that the antique oak rocking chair is able to serve you longer and give you more for your hard earned money.
On the down side, it so happens that the color is not the same upon delivery. It is a couple of shades lighter but it is nothing that you cannot fix by playing around with the lighting in your home. Also, there are not many colors to choose from which makes it harder for people that have unique color combinations in their homes to get vintage wood rocking chair.
Victorian Wicker Child's Rocking Chair Review
As much as antique rocking chairs are fun for adults, you can only imagine how much more fun they can be for kids especially if the chair is specially meant for them. Instead of having to share your chair with them, you can simply get them theirs and join in the fun. This antique childs rocking chair is a great option that is going to definitely bring a lot of laughter and smile in the house.
There are a couple of features that this antique kids rocking chair has that makes it ideal for children and offers them even more fun. Among the most notable features include the sweet Victorian style that makes it very appealing to kids not to mention that it is a very exquisite finish too. To top it up, it also has a fine Indonesian wicker and a variety of other fine finishes that the child can choose from. Considering how choosy children tend to be, having a couple of finishes will definitely make it much easier to please them. The chair has been built for use on a covered porch or indoors hence you can take it outside once in a while and enjoy the breeze with the little one. It is also able to cater to a wide variety of ages which is capped at about 6 years which is quite impressive. If you are looking for a great way to put a smile on your kid, this antique wicker rocking chair might be a great way to do just that.
There are plenty of benefits that come with the Victorian wicker child's rocking chair among them being the option to choose from a number of finishes that are available and the designs that are meant to be precisely captivating to children.
However, it would have been better if the chair would have been made from a stronger material that allows it to be used outdoors which is where kids love spending most of their time. Other than that, there is nothing not to love about the chair.
Carolina Cottage antique Black Victoria Bentwood Rocker Review
For those whose taste in antique rocking chair styles is quite advanced, this is a great option that is bound to not only satisfy their need to get stylish rocking chair but also the need to get comfortable. Designed for an ultramodern setting, everything about this item is about style and pizzazz and even when you're not sitting on it, it is bound to leave your guests stunned with its unique design and build.
The greatest feature that this antique cane rocking chair has to offer is the utterly elegant design that leaves quite a lot to be desired with its intricate curves and creative ways of allowing you to get comfortable. The seat and the back of the chair have been made from cane which is not only natural but offers plenty of comfort and ventilation to the seater making it ideal to seat for long hours without the worry of having to stand up with sweat patches on your back. Even though it might not look like it, the seat is quite lightweight.
Its portability and ventilation are its greatest assets and benefits not to mention that it can be used in the outdoors though it always helps to make sure that you protect the chair as much as you can from the elements of weather which improves longevity. The ultramodern design is yet another benefit that allows the chair to fit in seamlessly with plenty of modern interior décor and home designs.
However, the chair is ultralow and hence is not suitable for most average height adult and when it comes to the assembly there are a number of concerns with the screws constantly getting lose not to mention the extent of assembly that goes into to putting the pieces together once the chair gets home. Regardless, the Carolina cottage rocker is a great buy and one that you are bound to love in the event that the height is not really much of a problem.
Coaster Traditional Rocking chair Review
For those that love that vintage look, this is the chair that will offer you that finish and with its padding ensure you have nothing less than utter comfort. It has great features that make it among the best vintage rocking chairs that anyone can own making it ideal even for beginners because it does not require a lot of maintenance. A quick glance at the features that the coaster rocking chair has to offer will show you exactly why this is a great chair that should be in every home.
The chair makes for a great piece in every living room and has the seat and back padded and finished with leather which is not hard to maintain and lasts for a very long time. You may also get some free replacement parts incase of any incidents and the best part is, even though there is some assembly that might be required with this coaster traditional rocking chair, it is minimal and not something that would be confusing.
The leather finishing makes it quite easy for you to clean and maintain the chair while enjoying the extra comfort that only padding on a rocking chair can afford you. The ease of assembly is also a great plus that cannot be overlooked not to mention the vintage look which will definitely have everyone asking questions. It is a great rocking chair that will be worth the money and the time.
Unfortunately, you will have to restrict the beauty of the chair to your living room and indoors as it is not suited for the outdoors and also it is worth mentioning that the assembly could turn off some buyers.
Rocking chairs have been a part of history for a long time. With their comfort and relaxation, they continue to be part of a hardworking nation that does not relent and at the end of the day, one has a place where they can relax and ensure that they unwind from the day very calmly. However, before making that purchase, make sure that you plan ahead and you have that space for the chair all set. This will ensure that you know the exact size that you want and also have a sizeable budget allocated for this. It is always great to ensure that you do not set aside too much since you do not want to set your savings back. Once your chair gets home, you will be happy you read this guide and can finally relax in peace. All products reviewed here are found on Amazon. Prices are awesomely good and you can always count on some products coming with great perks and deals.


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A Teaser
Did you read the piece in the past post? No? Why?
Check this out...(tastiness bolded)
Before rushing into a new amnesty or temporary worker program, let's learn from the past. Based on history and extensive research on these so-called solutions, they are likely to fail. Citing serious shortcomings in the handling of the current temporary-worker programs all of which are smaller than anything being contemplated now, a 2004 report by the U.S.-Mexico Binational Council indicated that a guest-worker program would be "a recipe for failure." Early temporary worker programs were known as bracero programs, the last of which was terminated due to the exploitation of foreign workers. Interestingly, that termination resulted in wage increases that led to productivity improvements and a fall in real prices of affected goods. A more recent utter failure was the Immigration Reform & Control Act of 1986. This compromise Act gave amnesty to illegal aliens in exchange for imposing penalties on employers of illegal aliens, with the promise of strict enforcement. With little to no actual enforcement, illegal immigration soared to the estimated 11-20 million here today. Amnesty didn't work in 1986, and it won't work today. It's just another word for surrender. What kind of attitude is "you can't stop it so you may as well legalize it?" Americans deserve better than that.It's all that folks, read it!
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