text:
Bernard Hopkins vs Jean Pascal[12-18-10][SHOWTIME]
$n/a |
Im not interested in this f!ght either.. If B-hop still has some legs left and can get into good conditon he will beat Paschal.. Paschal f!ghting style will make this f!ght more interesting than the last 5 B-hop f!ghts (I hope)...
|8 years ago
|'04 #23
$11,452 | 192
I wanted to see Cloud vs. Pascal, but this f!ght is still good. B-Hop will dominate Pascal...he's probably gonna f!ght dirty to negate Pascal's speed.
$n/a |
So the people wanted to see Pascal f!ght Bute, and Hopkins to f!ght Dawson.....
We get Pascal/Hopkins. :sleepy:
God damn shame.
|8 years ago
|'06 #28
$11,582 | 23
Jean Pascal Talks Roy Jones, Hopkins, Heavyweight Run
By James Blears
Jean Pascal has been formally presented with the famous green belt by World Boxing Council President Jose Sulaiman, at the Zona Rosa Offices of the WBC in downtown Mexico City.
Next week Jean goes to Miami for training camp, in advance of his defense against Bernard Hopkins on December 18th in Quebec. . Jean respects the 45 year evergreen veteran on the polite side of the ropes saying to BoxingScene.com: "Bernard is like a bottle of vintage wine. Look at the way he schooled Kelly Pavlik. He's a teacher, but I'm a great student of boxing. Bernard seems to get better with age, but my job is to defeat him."
The only blemish on Jean's record was a unanimous decision loss to Carl Froch in Nottingham back in 2008. And Jean is keen to have another f!ght in the future. He explained: "The f!ght against Carl brought me a lot of experience. Because of that f!ght I'm a more complete boxer. If we f!ght again, I'm one hundred and ten percent sure that I'll defeat Carl. He's a great f!ghter and a great man, but this is my only loss, so we have to do it again. Carl is currently focused on Arthur Abraham and I'm concentrating on Bernard. But after Super Six has finished, why not?"
Jean's boxing hero is Roy Jones. He said: "Roy is my idol. It's because of him that I love boxing so very much. It would be crazy to f!ght Roy, and if my promoter asked me to do this, I would decline. But if Roy asked me, it would be a different thing."
Jean says the WBC belt is going to take pride of place in his bedroom, and he plans to stay a WBC champion for a full ten years, before hanging up his gloves. He says he aims to achieve this by hard work, discipline and sheer dedication.
He also revealed he wants to win the Cruiserweight title and end his career as Heavyweight Champion: "Like my man Roy!"
|8 years ago
|'06 #29
$11,582 | 23
Hopkins-Pascal Live on Showtime, Not Pay-Per-View
NEW YORK - Showtime Networks Inc. is proud to announce that the World Light Heavyweight Championship f!ght between future Hall of Famer Bernard Hopkins and young upstart WBC World Champion Jean Pascal will be televised live on SHOWTIME.
The 12-round world championship bout, originally proposed as a pay-per-view event in the United States, will be held in Pascal's home of Quebec, Canada—at the Pepsi Coliseum in Quebec City—on Saturday, Dec. 18, and be televised live on SHOWTIME at 10 p.m. ET. The event is co-promoted by Group Yvon Michel Inc. and Golden Boy Promotions and sponsored by Casino Montreal and Quebec Tourism.
"We are thrilled to be able to offer this important championship f!ght directly to our loyal subscribers and f!ght fans," said Ken Hershman, Executive Vice President and General Manager of SHOWTIME Sports®. "This is a milestone f!ght for each man's respective career and thus this matchup fits perfectly into our programming strategy—to televise the most competitive and meaningful bouts in the sport.
"I want to thank the promoters for this event—Group Yvon Michel Inc., Golden Boy Promotions—and of course the f!ghters themselves for working with us to bring this bout to our faithful audience. It's an early holiday present for SHOWTIME f!ght fans."
Pascal and Hopkins are setting out on a multi-city, two-country press tour to officially announce their championship showdown with stops in Quebec City, Montreal, Toronto and New York. The press tour will mark Pascal's first stateside appearance as WBC Light Heavyweight Champion. Please mark your calendars as these are events not to be missed.
|8 years ago
|'06 #30
$5,577 | 307
Bernard tryna add more to his legacy, he tryna be the greatest of all time!!
|8 years ago
|'06 #31
$11,582 | 23
Jean Pascal, Bernard Hopkins Go Face To Face in Canada
by Richard Cloutier, Netboxe.com
Groupe Yvon Michel and Golden Boy Promotions launched their media tour to promote the duel between the world champion of the WBC, light heavyweight Jean Pascal (26-1-0), who faces the legendary Bernard Hopkins (51-5-1 ) at the Pepsi Coliseum in Quebec City on December 18. This tour has led to stops in Quebec and Montreal. And the teams will head to Toronto and then travel to New York on Wednesday. It will be certainly one of the biggest boxing matches to be held in Canada. The duel will also broadcast by the American network Showtime and should be seen by nearly 60 million people.
"Here in Montreal, you like boxing and big events," said Bernard Hopkins, when asked to speak. And I understand you. There is nothing like boxing. There's nothing like hearing the crowd scream when walking to the ring. Personally, I am motivated by history. My entire career is dedicated to history and I will continue to box as I am able to be involved. I will stop only when I am no longer able to make history. Jean Pascal is an excellent boxer. He is the champion. He is recognized by The Ring magazine as the best and that's why I want to f!ght it. Jean Pascal is perhaps the future of boxing, but I am both past and present. I'm the one who is currently in boxing history. "
For his part, Jean Pascal did not miss the opportunity to launch some arrows from his rival. From the outset he addressed Hopkins: Hey Bernard, what time is it? Oh, it's time for a new era. Believe it or not, I'm the new guy on the block. Then adding mouse corner to editors: You know me well. "
On a more serious tone, Jean Pascal has confirmed that this was the biggest f!ght of his career. "You know, I was overlooked in my last f!ght, yet I have overcome opponents the likes of Chad Dawson and Adrian Diaconu. True, I am inclined to Carl Froch, but that's what made me better. That's what helped me win my battles thereafter.
As for his shoulder problems, Pascal was reassuring: "It's ancient history. I demonstrated in my last f!ght. My shoulder held up and I felt no pain. It was the first time in three years that I felt no pain. " Remember that Jean Pascal had to undergo surgery at the end of his second duel with Adrian Diaconu. During the f!ght, his shoulder had popped out three times, and then popped back in between rounds by his corner man Russ Amber.
Following the briefing, BoxingScene.com/Netboxe.com spoke briefly with Jean Pascal. He gave us an exclusive perspective on the Hopkins battle while discussing the preparation.
"I view this f!ght as an experiment. Why do I speak from experience? Because we don't see an old dog doing new tricks. Sure, I can not bring things that he's never seen in the ring before, given the experience that Bernard Hopkins has. So it's a f!ght where I will be very focused. Where I really have to follow the instructions from my corner. It will be important for me to keep focus and stay focused as I normally am, but with a little extra. About my preparation, I think that we should not change a winning recipe. So far, my recipe is very successful so we will keep everything the same. We'll just train a tick louder. "
|8 years ago
|'06 #33
$11,582 | 23
Bernard Hopkins: Pascal is Just Borrowing The Title
Toronto, ONT - Au revoir to Canada as Jean Pascal and Bernard Hopkins finished up a three-city tour of the country hosting press conferences in Quebec City, Montreal and Toronto to promote their December 18 WBC and Ring Magazine Light Heavyweight World Championship at the Pepsi Coliseum in Quebec City, live in Canada on pay-per-view and on SHOWTIME® in the United States. The current champion Pascal and the seasoned veteran Hopkins exchanged verbal blows at each stop. Accompanied by Golden Boy Promotions President Oscar de la Hoya and GYM President/GM Yvon Michel, the f!ghters will travel to New York City tonight to host their final press conference and only U.S. appearance at Planet Hollywood in Times Square tomorrow, Wednesday, October 20 at 12 p.m. ET. Here is a small sample of quotes and photos from the Canadian tour.
"I understand that this f!ght is win or go home for me. There's really no tomorrow for me...unless I take this f!ght and I take it impressively and I take it aggressively. My career ends (if I lose). People will be calling for my head.
"Pascal is the guy to beat right now and my motivation to accept his challenge is to show that he is just borrowing that title.
"At 35, people thought I was old and then I beat Felix Trinidad. I've been blessed to f!ght so long. It says something for me to be able to stand at a podium and speak articulately.
"I'm the teacher. I'm going to take the student and give him an apple. And then, he's going to be humble. He's confident, but when the bell rings, that's when I'm at my best. I know he's serious. You think I'm coming for the payday, but I'm doing okay (financially). This is going to be a blueprint for understanding that life's not over at 40. For all the old guys out there, I'm your motivation and breath of fresh air ... your inspiration.
"I expect an all-out gunslinger's f!ght. He'll be told to jump on me. Why? Because I'm old. But I've seen every style in 23 years. The f!ght will change as soon as he says 'oops'. You can't train for the unknown."
''I went to high school and I had great grades. I went to college and I have my diploma. What I know about you is you're dangerous and you're deadly but you're dirty. That's three Ds, so you failed the class.'
"It's a very important f!ght for me. Bernard Hopkins said he made history, that's in the past tense. I'm going to make history on Dec. 18.
"I don't see a legend in the ring. I see a piece of meat, and I'm a hungry dog. This is my time. I belong with the elite boxers. To be the best in the world, you have to face the best. Bernard Hopkins is a legend."
''It's discipline and dedication - when you have those as a combination there's really no limit to what you can do inside that squared circle. Bernard Hopkins doesn't drink or smoke and he trains every day. He's a machine and that's why he keeps on f!ghting and is still on top of his game.'
"Styles make f!ghts. When Hopkins fought Roy Jones Jr. it was a terrible style for him because Jones is a difficult, crafty boxer who is not going to make you look good. But when you have a f!ghter like Jean Pascal, who is going to attack and throw every punch with full force, Hopkins will be able to use his experience and be crafty inside the ring. It's going to be interesting - can the young lion beat the veteran?"
"This is a great opportunity for Jean Pascal to make a name for himself and put him in the elite class of f!ghters. Bernard Hopkins is a great f!ghter and for someone like Jean Pascal, to have this opportunity to f!ght him means a lot for Jean Pascal and also for Canada.
"The title of the f!ght is Dynasty as is this about creating a new one for Jean Pascal or continuing one for Bernard Hopkins. Jean is a hungry young champion who wants to prove he is the real deal who is going to have to use his heart and energy to go up against a legend. This is going to be an incredible f!ght.
"We are happy to have the f!ght in the beautiful city of Quebec. The f!ght is going to be very popular and we expect it to sell out immediately when the tickets on sale. We will have a great night of boxing for everyone in the arena and watching throughout Canada and the United States."
|8 years ago
|'06 #34
$11,582 | 23
|8 years ago
|'06 #35
$11,582 | 23
Jean Pascal: I Will Send Bernard Hopkins Into Retirement
New York City, NY - Legendary former World Light Heavyweight and Middleweight Champion and future first-ballot Hall of Famer Bernard "The Executioner" Hopkins will f!ght for the World Boxing Council (WBC) and Ring Magazine 175-pound championship against current linear champion Jean Pascal as the main event of "Dynasty: Pascal vs. Hopkins" on Saturday, December 18 from the Pepsi Coliseum in Québec City, Canada. The event will air live in the United States on SHOWTIME® at 10 p.m. ET/PT (delayed on the West Coast).
For Hopkins, (51-5-1, 32 KO's), the age-defying throwback pugilist from Philadelphia, Pa., a win overPascal (26-1, 16 KOs), the 27-year-old upstart world champion from Montreal, Canada, means becoming the oldest f!ghter in the history of the sport to win a prominent world title and the continuation of his boxing dynasty.
"Everyone knows I don't like to travel outside the United States to f!ght, but here we have another fresh face, who happens to be the light heavyweight champion, calling my name," said Hopkins. "I just say 'here we go again.' I am going all the way to Québec City, Canada to once again show that young and tough doesn't always mean good and smart. Let's see if he can stop me from beating him up and taking the title home to the States. It is these types of f!ghts that get me motivated to train hard and once again prove that no one should ever count me out."
For Pascal, the f!ght signifies a dream come true as he looks to get the win over the formidable Hopkins and to start a dynasty of his own.
"Two months ago I defeated a top-five pound-for-pound f!ghter viewed by many as the best light heavyweight in the world in dominant fashion," said Pascal, of his win over then-undefeated Chad Dawson in August. "Now it's time to take on the legendary future Hall of Famer Bernard Hopkins and finally send him into his well-deserved retirement. He's an old fox, but I'm the young wolf. He may be the master, but I am the commander. I know he may have more experience than any f!ghter out there, but on December 18, I will show the world once again exactly why I am top dog in my division."
"Dynasty: Pascal vs. Hopkins" is promoted by Group Yvon Michel Inc. and Golden Boy Promotions and presented by the Casino de Montreal and The City of Québec Tourism. The 12-round world championship f!ght will take place December 18 at the Pepsi Coliseum in Québec City, Canada and will be televised live on SHOWTIME® in the United States. Canadian broadcasts will begin at 7 p.m. ET on Canal Indigo, Bell TV, Shaw TV and Viewer's Choice on pay-per-view in French and English.
Tickets for "Dynasty: Pascal vs. Hopkins," priced starting at C$25, go on sale Saturday, October 23 at 12 p.m. ET at Pepsi Coliseum Box Office, by calling 418-691-7211 or 1-800-900-SHOW or online atwww.billetech.com. Also available at Club de Boxe Champion 514-376-0980 and Groupe Yvon Michel Inc. 514-383-0666.
"Jean Pascal is a special young f!ghter in this day and age, a true throwback to the glory days of boxing" said Yvon Michel, president of Groupe Yvon Michel. "He believes that the best must f!ght the best, and he has shown it time and again, never turning down a true challenge. He shook the world with his win over Chad Dawson in August, and when he finishes 'The Executioner' on Dec. 18 in Québec City, he should be a lock for f!ghter of the Year, an accolade given only once to a Canadian boxer in the history of our sport."
"One thing I have learned over the years is that you can never count Bernard Hopkins out," said Golden Boy Promotions CEO Richard Schaefer. "Bernard is at his best when the challenge is great and his f!ght against Jean Pascal is a great challenge. On Dec. 18, I expect to see yet another history-making performance from Bernard Hopkins that no f!ght fan should miss."
"We have an amazing lineup of world championship boxing on tap to close out the year on SHOWTIME, the finale of which is this classic crossroads f!ght," said Ken Hershman, Executive Vice President and General Manager of SHOWTIME Sports®. "We are thrilled to welcome Bernard Hopkins back to SHOWTIME in what could be an historic night for him and we're proud to welcome Jean Pascal in his network debut. Dec. 18 will put an exclamation point on another banner year for SHOWTIME boxing."
"Quebec City is quickly establishing itself as a true hotbed for boxing fans. Hosting this mega-f!ght between Pascal and Hopkins is an incredible opportunity to bring Quebec City into the spotlight of millions of viewers in Canada, the United States and across the world thanks to SHOWTIME," said the Mayor of Quebec City, Mr. Régis Labeaume. "In addition to witnessing a historic Championship battle, the thousands of fans who come to take part in this incredible event live at the Pepsi Coliseum will also get the opportunity to discover Quebec City and the all-new Christmas events we have planned that are sure to make our beautiful city the destination of choice for the holiday season."
Dec. 18 marks the amazingly ageless Hopkins' first f!ght since he settled his 17-year long rivalry with fellow future Hall of Famer Roy Jones Jr. via lopsided 12-round decision this past April. The 6-foot-1, 45-year-old won the World Middleweight title the first time on SHOWTIME in 1995 and continued to defend that title 20 times, solidifying his place as one of the bestmiddleweights in the history of the sport.
In an incomparable 22-year career that began in October 1988, when Pascal was just five-years-old, Hopkins has defeated many of boxing's all-time greats. Signature wins include a stunning 12th round stoppage of Felix "Tito" Trinidad in 2001, a ninth round knockout of Oscar de la Hoya in 2004, a unanimous decision win over Antonio Tarver in 2006 which crowned him Light Heavyweight World Champion and a dominant win over Winky Wright at 170 pounds in 2007. Perhaps the most impressive win of Hopkins' career came in October of 2008 when he "schooled" a then-undefeated Kelly Pavlik in a shocking unanimous decision, proving to the world that Hopkins is a true testament to the phrase "age is nothing but a number."
The 5-foot-11 Pascal, who turns 28 on Oct. 28, is looking to prove his status as one of the top f!ghters in the world. He catapulted into global prominence after he registered one of the year's biggest upsets in his last outing when he defended his WBC crown and captured the vacant Ring Magazine Light Heavyweight title with a shocking 11th-round technical decision over heavily favored Chad Dawson on Aug. 14. Pascal performed magnificently against Dawson and was ahead on all three judges' scorecards (108-101 and 106-103 twice) when the f!ght was stopped after an unintentional head-butt opened up a huge cut above Dawson's left eye.
Pascal, one of the most highly decorated amateurs ever to come out of Canada, has come a very long way in a stellar professional career spanning less than six years. After winning the NABO, NABA, and NABF 168-pound belts in 2007, the opportunity to fulfill his dream of winning a world championship came in December 2008 when he traveled to England to take on the undefeated Carl Froch in his hometown of Nottingham for the WBC Super Middleweight World Championship. Pascal dropped a close decision to Froch in a heart-pounding back and forth battle that many boxing insiders called the f!ght of the Year. The young Pascal took his first and only defeat in stride and just six months later, in his first f!ght at his new weight of 175 pounds, defeated the dangerous and then-undefeated Adrian Diaconu for the WBC Light Heavyweight World Championship. Dec. 18 will mark Pascal's fourth defense of that title and his first defense of the prestigious Ring Magazine Light Heavyweight Championship.
|8 years ago
|'06 #36
$11,582 | 23
NEW YORK -- Bernard Hopkins didn't hobble to the podium. He didn't need a walker or a cane, or even some help from Oscar De La Hoya, sitting next to him.
He strode confidently across the stage, then launched into a rambling 20-minute oratory that made it seem as if the soon-to-be 46-year-old Hopkins was still in his prime. He smiled broadly, cracked jokes and reminisced about his tenure as middleweight and light-heavyweight champion.
Then he promised that on Dec. 18, when he faces 175-pound titleholder Jean Pascal in Quebec City, Hopkins will become the oldest boxer to win a major world title.
"This is one of the greatest motivations for me," he said, "to be here all these years."
Hopkins won his first belt in 1995, just a few months after George Foreman knocked out Michael Moorer to become heavyweight champion at age 45. And he'll surpass the rotund one by several weeks if he's victorious before a hostile crowd at the Pepsi Coliseum.
" Hopkins I'm in my rocking chair, minding my own business, and this guy says Bernard Hopkins is the guy I want to f!ght. So I rocked my chair a little harder, grabbed my cane -- before I grabbed my teeth -- and I called my promoters.
" -- Bernard Hopkins
Quebec City is a couple hundred miles from Pascal's adopted hometown of Laval, Quebec.
Even that hardly seemed to bother Hopkins on Wednesday, though, when he swept through New York City to wrap up a four-day press tour that began in Canada. He joked with De La Hoya, his partner in Golden Boy Promotions, mugged for cameras and even had a good time ribbing Pascal.
After all, it was the Haitian-born Pascal who stood in the ring after his victory over Chad Dawson in August and proclaimed that he wanted to f!ght Hopkins next.
"I'm in my rocking chair, minding my own business, and this guy says Bernard Hopkins is the guy I want to f!ght," Hopkins said, smiling. "So I rocked my chair a little harder, grabbed my cane -- before I grabbed my teeth -- and I called my promoters."
Hopkins is one of the few boxers who has managed to f!ght at an elite level well into his 40s. A sport that efficiently chews up its biggest attractions has been kind to the man from Philadelphia. He rarely gains much weight between f!ghts, eats well and lives a life largely devoid of vices that have derailed so many other careers.
Yet age has undoubtedly started to catch up with one of the best of his era, even if slowly.
After waxing former middleweight champion Kelly Pavlik two years ago, Hopkins looked like he had lost a step in beating journeyman Enrique Ornelas. Then came a victory over longtime nemesis Roy Jones Jr. in April, in which both f!ghters looked like a shell of their former selves.
Several friends pleaded with Hopkins to retire, but he'll instead f!ght one of the best in the world -- a man who was 12 years old when Hopkins first won a world championship.
"Bernard came into my country the last three days and he disrespected me in front of my people," Pascal said, with mock seriousness and a twinkle in his eye. "I won't disrespect him now because my mother told me not to disrespect my elders."
"Good manners," Hopkins quickly replied.
Joking aside, Hopkins realizes he's in for a brutal f!ght against Pascal.
The 27-year-old WBC titleholder's only loss came to Carl Froch during a super middleweight f!ght two years ago, and his list of victims since then is impressive: Adrian Diaconu (twice), Silvio Branco by knockout and a technical decision over Dawson, considered one of the pound-for-pound best f!ghters in the world before their matchup in Montreal.
Pascal was ahead on all three scorecards when their August f!ght was stopped in the 11th round because of an accidental headbutt, handing Pascal the title and Dawson his first loss.
"This is my time. I belong with the elite boxers," Pascal said. "To be the best in the world, you have to face the best, and Bernard Hopkins is a legend."
And he'll try to burnish that legend a little bit more in December.
"I was having a get-together the other day, and my uncle came up to me and said, 'I know that Bernard Hopkins knocked you out, but I'm going to root for him because he's close to my age," said De La Hoya, who tried unsuccessfully to dethrone Hopkins in 2004.
"Bernard is showing the world that age doesn't matter," De La Hoya continued. "He's a master at what he does. That's why he can challenge the young lions coming up, like Jean Pascal."
$n/a |
Pascal is one-dimensional and that is the only type of f!ghter that B-Hop can beat anymore. B-Hop by SD.
$n/a |
bernard never took a real a.ss whooping, please mr. dude i don't know, give him a real a.ss whooping to end him.
|8 years ago
|'06 #40
$11,582 | 23
Pascal: If Bernard Hopkins Tries To f!ght Dirty, So Will I
By Lem Satterfield
WBC/IBO light heavyweight Jean Pascal is gearing up for his December 18 title defense against 45-year-old Bernard Hopkins at the Pepsi Colesium in Québec City, Canada. Pascal (26-1, 16 KOs) has won five in a row since losing a decision to Carl Froch in December of 2008. In his last f!ght, on August 14, Pascal won a career defining bout with a victory over previously unbeaten Chad Dawson (29-1, 17 KOs).
Pascal is not going to fall into the same trap as several others, by focusing on Hopkins' age. However, he plans to make Hopkins feel every bit his age.
"Bernard is trying to convince himself of what he's trying too talk about. You know, that 'I'm 45 years old but I have a 30- or a 20-year-old body.' But you do not have a 20-year-old's body -- I, Jean Pascal, do. And on Dec. 18, I'm going to bring that out of him that he truly has a 45-year-old's body," Pascal said.
Pascal views Hopkins as his big opportunity to make a name for himself in the American market. If he beats Hopkins, Pascal would like to f!ght in the United States.
"You know, I love America. I've only fought once over here. But I love America. I love New York City. You guys have a nice country and you are a good nation. Nice people, and, I'm telling you, after you watch my performance in this f!ght, you guys in the American audience are going to embrace me," Pascal said.
Pascal knows Hopkins is a master of playing mind games inside, and outside, of the ring. He has a lot of respect for Hopkins, but the respect factor will not play a role in how he treats the veteran in the ring. If Hopkins wants to make it a dirty f!ght, then it's going to become a dirty f!ght.
"Bernard Hopkins is the master of playing games. But I'm a clean f!ghter. But I'm not going to be dealing with him like I see a legend in there. I'm going to treat him like he's a piece of meat and I'm the hungry dog. I'm the pit bull. I'm going to be ready to f!ght. I'm not going to give him too much respect," Pascal said.
"I'm not going to make the mistakes people have made with him in the past. I'm not going to get caught up with his age. I know that he's dirty f!ghter who is known to play games. If he hits me low, he's going to get exactly the same thing. I'm not going to get intimidated by the legend."
Lem Satterfield is the boxing editor at AOL FanHouse and the news editor at BoxingScene.com. To read more from Lem Satterfield, go to AOL FanHouse by Clicking Here.


text:
Did I buy, or browse, a copy of the November 17 GQ, in order to get a look at Jennifer Aniston's bristols? [Yo, he's a Brit. He means "tits." - vik] No, I didn't. While I have no doubt that Ms. Aniston is a paragon of charm, wit, and intelligence, she is also 36 years old. Even with the strenuous body-hardening exercise routines now compulsory for movie stars, at age 36 the forces of nature have won out over the view-worthiness of the unsupported female bust.
It is, in fact, a sad truth about human life that beyond our salad days, very few of us are interesting to look at in the buff. Added to that sadness is the very unfair truth that a woman's salad days are shorter than a man's — really, in this precise context, only from about 15 to 20. The Nautilus and the treadmill can add a half decade or so, but by 36 the bloom is definitely off the rose. Very few of us, however, can face up to this fact honestly, and I am sure this diary item will generate more angry e-mails of protest than everything else I have written this month.
Yeah, no shit, and isn't that the point?
15?! What a creep.
Of course, he's never seen MY breasts.

subset: commoncrawl


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Is there a difference between LCD and LED monitors?
I was trying some LCD monitors and some LED monitors at my local store and they seam almost the same, the biggest difference is the price. Is there more to it?
The difference is the back-light of the monitors. While the technology of the displays of LCD's and LED's is basically the same, the LCD monitor uses cold cathode fluorescent lamps as back-lights as compared to the LED monitors that emit diodes. While this is not the only difference between the two, this is the main difference, and a major point of contention between those who prefer LCD technology and those who prefer LED technology.
Since LED's are built on LCD technology, they have taken this process (manipulating light as it traverses polarized liquid crystals) and have enhanced it, making a higher quality backlight that distinctly affects the quality of the monitor's display.
This means that LED monitors offer more intense lighting and finer color resolution, meaning that the colors of an LED monitor come closer to the colors one will find in nature. There is also the topic of contrast – LED has a sharper contrast which makes it an excellent choice for those who enjoy quality color and picture reproduction.
Sorry for the long explanation. Hope this helps
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what is the difference between LED TV and LCD TV?
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What is the difference between LED and LCD displays?
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What is the difference between Plasma TV and LCD TV?
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what is the difference between binary and digital?
by maheshpatwal7 years ago
What are the difference between LCD and LED televisions??
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What is the difference between presentation and seminar?
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text: My wife was fortunate enough to draw out her first year for DC481 (I drew 482). I want this to be an enjoyable time for her, successful not that important. My plan is to take four wheelers from the Denali highway where it crosses the Susitna River and hunt her area first, then mine. I was there this weekend but with two kids and two dogs I wasnt able to scout out the area as well as I would like. Would anybody be willing to share their knowledge of that trail system with me? I'm looking for information like can I make it to the Susitna?, how long does it take?, how much gas should I expect to burn?, is it a daytrip or should I spike camp?, can I wade the Susitna at that time of year or should I bring the raft? Also with the number of pullouts available is it reasonable to assume they will be full from the first of the hunting season til the end? The reason I ask is depending on the answer determines bringing the RV or living out of the trailer. I know I have a lot of questions but I have tried finding this information out on my own and have not been successful. I also don't want to piss people off by using the wrong trail or camping spot. I have hunted for years in Alaska just never from the road and never with the wife so any help will be appreciated.


text:
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Cup and saucer Arcopal
White milk glass with rose design.
Arcopal sculpted bowl
Bowl of white milk glass with decoration of rose.
∙ Diameter 23 cm.
∙ Height 8,5 cm.
Arcopal sculpted bowl
Bowl of white milk glass with rose design.
Diameter 21 cm.
Arcopal schulpted bowl, rose.
Bowl of white milk glass with decoration of red rose.
∙ Diameter 10 cm.
∙ Height 4 cm.
Casserole Arcopal France, decor Rose.
Beautiful casserole from Arcopal France with decoration of rose.
∙ Bowl Ø 20 cm. (22,5 cm with handles).
∙ Lid 23,5 cm with handles.
∙ Height bowl 8 cm. With lid 10 cm.
Casserole Arcopal France, decoration of rose.
Beautiful casserole made of opaline with rose decor. Decoration shows in scale aswell in lid.
∙ Bowl Ø 17.5 cm. (19 cm ear to ear).
∙ Lid 20.5 cm ear to ear.
Boterdish Arcopal
With rose design. Bottom lid has rough edge on one side (see photos).
Arcopal, sauce or gravy boat.
Bowl of white milk glass or opal glass. Arcopal France with rose decoration.
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Posted by: GLADYS HEPZIBAH | 11/18/2012 | India
Click here to see and share this photo from GLADYS HEPZIBAH on Count me in - I want Children to Survive 5!!
Personal Tags: Village: Jeevtra, Children involved in Greeting card preparation, 8.11.2012
Description:In regard to the Greeting card preparation - Sponsorship. Our children were involved in the greeting card preparation during which the motto of CHN was told and the children raised their hands in support of CHN.


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Just a couple of housekeeping things tonight and then it's on to some more important business...
Glad to see that The Cherokee Phoenix FINALLY got around to actually publishing a story online about the debate THEY conducted five days ago. Just days after The Tahlequah Daily Press and others, like us at Cherokee Truth! Anyway, just thought you might want to read their take. If so, click the hot link above.
Second-- if you've got a truth topic/idea, shoot us an email at firstname.lastname@example.com. Several of you have done that and our goal is to answer as many truths as we can in these final days before the big election. And we'd love it if you would encourage your friends to like us on Facebook or read our blog. We are flattered and humbled every day to see the fan number grow.
We'll be back tomorrow slingin' some truth, but frankly tonight, we are watching the Thunder! No matter who you're voting for in the Cherokee Election-- we can at least all be united about The Thunder. Someone commented to us today that they thought Serge Ibaka was Cherokee. Ha!
Right now the score is 71 to 69 and the Thunder are ahead. Back to the game!


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3 reviews for Pass Your Firefighter Application eBook
The good news is that I am through to the Interview stage! Thanks again for all the guidance and support. Thanks again for the invaluable service.
I had put in two applications prior to using your application workbook and feedback package and both applications failed. I found your workbook gave me a chance to reflect on what I had done in life that could be applied specifically to each PQA. It also helped fully explain what each PQA was looking for. Your feedback was essential as I needed someone who would critically analyse what I had done and give me honest feedback, which you did. Thank you.
I had help from you in writing my Fire service application, and I just thought I'd let you know that my application has been accepted and that I am going for an interview in End Nov beginning of December, thanks for all your help, it really made a difference.


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and that is fine with me.
My Aunt called the Children's hospital in the city. She is part of a group that knits for them, so she called to see if they needed mittens or baby outfits. Was told that what they really need is finger puppets. So, the rush is on to get a bunch of finger puppets done for them. I know someone who is going for an appt on March 8th, and will make the delivery for us.
My Mom, sister and I always knit them a bunch each year. This year we had thought about taking it easy and not doing as many. Now we're focused on them. My Mom had made the New Years goal of 200 puppets a month; she's now doing as many as she can. For her, that's pretty good. She was really sick back in November.
So you know what, I'm setting aside the baby blanket to do puppets for a while. And the gold medal will be the one that I have in my heart, knowing that I'm helping to make some little kid feel good.


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PayPal Holdings, Inc. (NASDAQ:PYPL)
Q2 2016 Earnings Conference Call
July 21, 2016 6:30 p.m. ET
Gabrielle Rabinovitch - Senior Director, IR
Dan Schulman - President, CEO & Director
John Rainey - CFO & SVP
Tien-tsin Huang - JPMorgan
Heath Terry - Goldman Sachs
Lisa Ellis - Bernstein
James Friedman - Susquehanna
George Mihalos - Cowen & Co.
Ashwin Shirvaikar - Citi
Bill Carcache - Nomura
Good day, ladies and gentlemen, and welcome to PayPal's Second Quarter 2016 Earnings Conference Call.
[Operator Instructions] As a reminder, this conference is being recorded.
I would now like to introduce your host for today's conference, Ms. Gabrielle Rabinovitch, Senior Director of Investor Relations. Please go ahead.
Gabrielle Rabinovitch
Thank you, Keith [ph]. Good afternoon and thank you for joining us.
Welcome to PayPal Holding's earnings release conference call for the second quarter of 2016. Joining me today on the call are Dan Schulman, our President and CEO, and John Rainey, our Chief Financial Officer.
We're providing a slide presentation to accompany our commentary. This conference call is also being broadcast on the Internet and both the presentation and call are available through the Investor Relations section of our website.
In discussing year-over-year comparisons, including guidance growth rates for the full year 2016, we have chosen to present non-GAAP pro forma metrics because we believe that these metrics provide investors a consistent basis for reviewing the Company's performance across different periods. We will also discuss some non-GAAP measures in talking about our Company's performance including the non-GAAP pro forma metrics mentioned above. You can find a reconciliation of these metrics to the most directly comparable GAAP metrics in the presentation accompanying this conference call.
In addition, management will make forward-looking statements that are based on our current expectations, forecasts and assumptions, and involve risks and uncertainties. These statements include our guidance for second quarter and full year 2016. Our actual results may differ materially from those discussed in this call. You can find more information about risks, uncertainties and other factors that could affect our operating results in our annual report on Form 10-K and quarterly reports on Form 10-Q filed with the SEC and available on the Investor Relations section of our website. You should not rely on any forward-looking statements. All information in this presentation is as of today's date, July 21, 2016. We disclaim any obligation to update the information.
With that, let me turn the call over to Dan.
Dan Schulman
Thanks, Gabrielle. Good afternoon everyone, and thank you for joining us on the call today.
I'm pleased to say we had another strong quarter, with our financial results at the high end of our guidance, and in many cases exceeded our own expectations. And of course we announced earlier a multiyear partnership with Visa.
But before I discuss our results, I'd like to point out that it's been one year since PayPal became a publicly traded company for the second time. In many ways, our listing last year was a full circle moment for PayPal. It allowed us to return to the core mission of our founders, the mission they were pursuing when they took PayPal public in 2002. Even with the Internet in its infancy, they saw the opportunity for technology to democratize money.
Today our purpose is the same, but our opportunity is much greater, with the digitization of money accelerating and the adoption of mobile devices continuing its rapid pace globally. PayPal's total addressable market has grown to include all of digital commerce and digital money, a $100 trillion opportunity. Today's announcement with Visa brings us closer to capitalizing on that opportunity.
The mission of PayPal is clear. We're striving to become an everyday essential financial service for underserved customers. And for our merchants, we want to provide a full service solution and platform that enables digital commerce. We were making tangible and consistent progress towards achieving these twin goals, while consistently delivering strong financial performance.
I'm proud that Q2 was another strong quarter for PayPal, both financially and strategically. Our partnership with Visa will help drive consumer choice and provide enhanced value to the larger payment ecosystem. But first let's look at the financial metrics we delivered this quarter.
We grew revenue at 19.5%, delivering $2.65 billion on the top line. Given the challenging comps from Q2 last year, this exceeded our internal forecasts and guidance. We processed $86.2 billion in total payment volume, an increase of 29%. And our merchant services volume expanded 36%. Our mobile payments volumes continued to accelerate, up 56% this quarter, accelerating for the third straight quarter. And we hit a record of over $24 billion in mobile TTV [ph] in the quarter.
In the last 12 months we've added 19 million net active accounts, finishing the quarter with 188 million customer accounts transacting on the PayPal platform. And even as we add new active accounts, our transactions per account continue to expand, reaching 29 this quarter, up from 26 a year ago.
We generated $495 million of free cash flow in the quarter, giving our business tremendous flexibility to continue to reinvest in our growth. In the first six months of 2016 we produced $1.1 billion of free cash flow, on track to meet our guidance of more than $2.1 billion for the year.
And finally, we delivered $0.36 of non-GAAP EPS versus our guidance of $0.34 to $0.36. I'm proud of the PayPal team and they work hard to deliver these strong results.
I'd like to now spend some time talking about the partnership announcement we made today with Visa and the progress we are making towards enabling our strategy of being a true customer champion.
Being a customer champion company is not just words for us. In order to be a great company over the long term, we need to provide the very best experience for our customers. We believe that means giving our customers full choice and optionality in where they want to pay and how they want to pay. This change in our business model positions us to better serve our customers and is fundamental to the long-term growth and success of PayPal.
While we expect this to drive incremental expense, we now have evidence to support the assertion that customer choice will benefit both our business model and our customers' over the medium term. Our improved onboarding experience, which we began rolling out last quarter, gives customers more choice when opening a PayPal account and has already resulted in lifting our activations.
In the coming quarters we will be rolling out account setting and check-out experiences that also deliver enhanced customer choice. We believe these new experiences will result in improved engagement and a reduction in customer churn, all very good things for both our customers and for PayPal.
But we are already seeing another significant benefit. By making customer choice a priority for PayPal, we are opening up new opportunities for partnerships within our ecosystem.
Today PayPal and Visa announced a strategic partnership to further expand our longstanding relationship. This agreement will allow both companies to offer greater choice to merchants and consumers and increase value to Visa issuers and PayPal customers.
The benefits of this partnership include our ability to gain access to Visa's tokenization services, starting in the United States, for instore PayPal transactions. This will allow customers to pay with their Visa instruments and the PayPal wallet at the millions of retail locations where they see the Visa contactless logo. Importantly, retailers can expect to pay fees that are consistent with other contactless transactions they accept today.
We will provide greater accessibility for Visa payment instruments and the PayPal digital wallet. PayPal will also provide Visa, their issuers and their cardholders additional visibility into each Visa funded transaction, providing greater transparency and enhancing payment system security. The agreement affords PayPal certain economic incentives, including Visa incentives for increased volume and greater long-term Visa fee certainty and removes the threat of any targeted pricing actions.
This deal has the potential to be transformative for PayPal, Visa and the industry. We believe it provides us the flexibility and the capabilities to execute against our customer champion vision, to partner with issuers and others who share our vision, and to accelerate PayPal's instore access in new and profitable ways. We also believe it provides more options for growth and the ability to partner with others to mutually cross-sell our various current and projected services to consumers and merchants around the world.
All of these will take some time to come to fruition, but this agreement opens up a new chapter for PayPal. Giving customers choice in how and where they want to pay provides a pathway over the long term from our goal of two transactions a week from our current engagement of just over two per month.
It's also important to say that we welcome the opportunity to work with more partners like Visa to share our vision and we are in discussions with a variety of players in our ecosystem. This is a new PayPal, one that is actively partnering across the digital payments landscape.
For example, in the quarter, we also expanded the European rollout of the Vodafone Wallet we talked about last quarter. Consumers in Spain and Italy can now tap-and-pay in stores with PayPal and Visa, another example of how PayPal is opening our platform to a slew of new partnerships. Our partnership with Facebook continues to expand, as do our efforts with Google, Pinterest, Alibaba and eBay.
I'm pleased with the quarter's results, but we still have much to execute through the back half of the year. We need to continually innovate and deepen customer engagement in order to maintain and further widen the distance between our value proposition and that of our competition. And in keeping with that focus, Q2 saw a significant progress in consumer and merchant engagement on the PayPal platform. We are making steady strides in our efforts to become an everyday essential financial service for underserved customers.
In the second quarter, transactions per account increased to 29, and we processed 1.4 billion transactions, a new milestone for PayPal and an increase of 25% from the same period last year.
Deepening consumer engagement is no accident. It is driven by our innovative products and an increasingly robust platform, designed with our customers and their needs in mind. Our aim is to deliver transformative products that make payments easier, faster, more reliable and more secure, online, in mobile, in app, and in store. One Touch, our contextual commerce services, Venmo, and Xoom are all perfect examples of this.
One Touch is the most rapidly adopted product in PayPal's history. As of the second quarter, over 25 million consumers have opted in to One Touch, and I'm pleased to say that we now have over 2 million merchants offering this innovative way to pay. With a market-leading 87% conversion rate, we continue to see increased engagement and conversion with the use of One Touch.
We are continuing to invest and innovate in contextual commerce. Last year Pinterest launched its first foray into buyable buttons. Braintree powers 80% of the Pinterest launch merchants. Building on this infrastructure, we are now powering Pinterest's new shopping bag functionality that lets shoppers pick items from across the web, collect them in a shopping cart, and make a single purchase. This brings over 10 million unique products to pinners for even richer and more convenient in-context shopping experience.
And Venmo continues its rapid growth. In the quarter, Venmo processed some of $4 billion in P2P payments, an increase of 141% year over year. We are very focused in making steady progress with our Pay with Venmo pilot. We've added eight more next-generation apps, beyond Munchery and Gametime. These include Parking Panda, Priv [ph], Wish [ph], Box [ph], App Market [ph] and Pashmark [ph]. We have also further expanded the Venmo pilot from 1 million to 3.5 million Venmo users. We expect to add many more merchants and all of the Venmo consumer base later this year.
Xoom's U.S. customers can now send money to loved ones in 53 countries, and it continues to redefine global remittances through mobile technology, ending the quarter with more than 70% of transactions originating on a mobile device. We continue to see the benefits of our integration efforts, with Xoom adding more than double the number of net new actives this quarter versus a year ago. I'm pleased to say we're executing on how to position business case, and I have high hopes what Xoom can offer to PayPal consumers in the years ahead.
All of these innovative new experiences are driving PayPal's leadership in mobile payments. As I mentioned, PayPal processed over $24 billion on mobile payment volume, an increase of 56% year over year, and mobile now represents 28% of our total payment volume, up from 26% in the first quarter.
Mobile is arguably the most competitive arena in the digital payment's ecosystem, and PayPal continues to widen its lead and gain share. Two quarters ago we grew our mobile volumes 45% year over year, last quarter 54%. And despite a substantially increased base of mobile transactions, we grew 56% this quarter.
We also continue to make substantial progress in acquiring new merchants and now have more than 14.5 million merchants transacting on our platform. An increasing ability to provide a suite of innovative services for merchants is not only accelerating our competitive differentiation but enabling us to be seen as a true full services MS partner. PayPal's merchant services payment volume was $71.3 billion in the quarter, increasing 36%. Leading merchants continue to choose PayPal, including Ikea in multiple countries, the world's leading cruise brands of Carnival Corporation, including Carnival Cruise Line, Princess Cruises, Holland American Line, and Seaborne. Russia's Vkontakte, Europe's largest social media network with 360 million users. Women's fashion brand Talbot's. Cathay Pacific. And Evenbrite, the world's largest self-service ticketing platform, has now launched with Braintree full-step processing. And Braintree continues to gain momentum, rapidly adding new merchants, ending the quarter with 309 million cards on file, an increase of 101% from the same period a year ago.
Finally, PayPal working continues to be an important way we engage our small business merchants and support their growth. In Q2 we exceeded 2 billion in originations since our launch. We've now funded more than 90,000 small business merchants in the U.S., U.K. and Australia. Our working capital merchants see an almost $0.50 increase in payment volume for every dollar of working capital expended to them by PayPal, clearly a powerful tool for our merchants.
Finally, I'd like to mention a few accolades we've recently received at Highlight, the strong progress we've made in the past year as an independent company. First, our financial performance has earned us a place on the Fortune500 list at number 307.
Importantly, we are now being recognized for our leadership in innovation. Recently, InformationWeek named PayPal the number 11th company in the country in terms of technology innovation.
And the value of our brand is also on the rise. The Financial Times recently came out with the BrandZ listing of the top 100 most valuable global brands. PayPal was one of the top 10 brands that increased its value most in 2016, gaining 35% and rising from number 88 to the 65th most valuable brand across the globe.
And finally, and perhaps most meaningfully to many of us, consumers in the United States recently ranked 180 top brands across the world in terms of social impact and doing the most good in the world. PayPal was ranked among the top five companies across the globe.
We've made strong progress in the 12 months since becoming public. We have a lot of work ahead of us, but the opportunities are coming into sharper focus and are now clearly within our reach. We remain focused on executing with both discipline and excellence for our customers and for our shareholders.
I'd like to now turn the call over to John. John?
John Rainey
I also want to thank all of PayPal's customers and our employees worldwide for making this another great quarter.
Q2 marks another quarter where we advanced our goals of becoming a central part of our customers' daily financial lives, strengthened our position in the ecosystem, enhanced our value proposition as a customer champion company. First I will walk you through the highlights of our second quarter results.
On a currency-neutral basis, total payment volume was $86.2 billion, an increase of 29%. U.S. payment volume grew 27% and international volume grew 21%. Our merchant services business grew 36%, demonstrating that our strategy of being a customer champion and moving from being a payment button to an end-to-end payment solution for merchants of all sizes continues to gain transaction.
We ended the quarter with 188 million active accounts, an 11% increase from a year ago. Account growth was predominantly driven by our PayPal Afford [ph] offering, followed by Venmo. The number of payment transactions per account increased to 29, up 13% year over year, and an acceleration from the first quarter. This, when combined with the increase in active accounts, contributed to payment transaction growth of 25% year over year.
In the second quarter we generated revenue of $2.65 billion, up 19.5% on a currency-neutral basis and 15.6% on a spot basis. Q2 revenue exceeded our expectations as a result of strong performance in our core business and Braintree.
In the second quarter we faced difficult year-over-year comparisons from the amendment of our Synchrony co-branded credit card agreement and the sale of a portion of our credit receivables portfolio last year, as well as the larger currency hedging gains in Q2 '15. We are pleased with our very strong top-line performance and our ability to offset these year-over-year pressures.
Transaction revenue increased 23% on a currency-neutral basis in the quarter, an acceleration from the first quarter. Performance was driven by large merchant growth in our core business and strength in the Braintree business. This resulted in a transaction take rate of 2.69% for the second quarter, a decline of 22 basis points year over year. The decline was primarily driven by lower currency hedging revenue in the quarter versus last year, the growth of our P2P business, including Venmo, and the mix shift towards Braintree and larger merchants.
Revenue from other value-added services was flat versus last year, driven by the amendment of our Synchrony agreement and the sale of our credit receivables in Q2 of last year, offset by solid results from our credit products.
Transaction expense and transaction and loan losses, our volume-based expenses, increased 28%, in line with total payment volume growth. This resulted in a transaction margin of 59.8% versus 63.8% in Q2 '15. In the quarter, on a year-over-year basis, the transaction margin decline was driven primarily by strong performance by Braintree, which has a lower take rate and higher transaction expense, the lapping of the amendment to Synchrony agreement, and the sale of a portion of our credit receivables, and the high-margin hedge revenue we recognized in Q2 '15.
Other expenses grew 10%, well below revenue growth, and drove 185 basis points of leverage. Excluding the acquisition of Xoom, our other expenses increased approximately 7%, demonstrating good cost control. We continue to be focused on strong expense discipline. The scale of our platform allows us to carefully manage the growth of these other expenses, even as our revenue grew nearly 20% on a currency-neutral basis. We continue to see opportunity to manage these costs over time.
We delivered operating income of $528 million in the second quarter. For the first half of 2016, operating income increased 10% to $1.1 billion. Operating margin for the second quarter was 19.9%, a decline from last year, predominantly driven by the items I already mentioned affecting revenue: the amendment of our Synchrony agreement and the sale of our credit receivables, both of which dropped directly to the bottom line. We were also impacted by the acquisition of Xoom, which was approximately 40 basis points. But excluding these items, operating margin would have expanded approximately 100 basis points year over year.
We generated non-GAAP EPS of $0.36 per share for the quarter, the top end of our guidance range. For the first half of 2016, non-GAAP earnings per share increased 19% to $0.73.
Second quarter capital expenditures were $201 million or approximately 8% of revenue. Free cash flow in the second quarter was $495 million, representing $0.19 of free cash flow for ever dollar of revenue.
During the quarter we also returned approximately $300 million to shareholders by buying back an additional 8 million shares. Year to date we returned approximately $900 million to shareholders, repurchasing 25 million shares at an average price of $36.34.
We ended the quarter with cash, cash equivalents and investments of $6.2 billion, including approximately $1.3 billion in the U.S.
I want to take a few -- make a few comments regarding the U.K.'s vote to leave the European Union. First, we should acknowledge that we are in the very early days, and exactly what happens from here will take some time to unfold. Europe generally, and the U.K. specifically, are very important parts of our business that we will continue to serve.
In the second quarter, approximately 12% of our revenue was generated in the U.K. Because of the global nature of our business, we typically see a counterbalance effect when any one currency measurably weakens or strengthens. This is particularly pronounced in certain corridors like the U.S. and Canada and the U.K. and the E.U. due to proximity and consumers' awareness of currency shifts.
In the medium term we're obviously going to keep a close eye on the broader economic environment and any effect on customer behavior. From a foreign currency standpoint, the euro and the pound are the two currencies where we have the most exposure. For that reasons, we hedged both currencies and our exposure from a translation perspective in 2016 is minimal.
Importantly, our E.U. business is operated through our Luxembourg bank where we are allowed to passport our banking license among the E.U. member states. The U.K.'s decision to exit the E.U. will have some impact on the regulatory framework under which we operate. We have been assessing the ramifications of a Leave vote since the referendum was announced, and once we have better clarity on how the relationship between the U.K. and the E.U. with respect to financial services will be governed, we will take the necessary steps to be able to continue to serve our customers in the capacity that we do today.
Now I'd like to give you an update on our credit portfolio. Our credit products support and complement our platform, enhancing our digital payments offering for both our consumers and our merchants. Credit drives a positive network effect for our business, increasing volume and engagement on our platform. Credit represents approximately 2% of our TPV, and in the medium term, we expect the TPV contribution from our credit products to remain around this level.
In addition, as we've said previously, we continue to assess asset-light strategies to fund and grow our credit offering. The performance of our credit portfolio continues to be in line with our expectations. In the second quarter we saw improvement in our delinquency rates and most of our other credit quality metrics. We have, however, experienced a higher percentage of our late-stage delinquent consumer credit balances rolling to charge-off. This has resulted in a charge-off rate of 6.3% versus 6.1% last quarter. We attribute the increased charge-off to changes in our own collection efforts that were recently instituted. We've taken steps to address this impact on the back half of this year.
As Dan mentioned, our agreement with Visa, and more broadly, our strategic decision to invest in customer choice, is a great opportunity for our customers, our shareholders and other partners in the payment ecosystem. This partnership will help drive the digitization of payments both in mobile and in store. Much has been made about the blurring of the offline and online world through digital payments. The agreement with Visa is an important step allowing us to more fully participate in this powerful secular shift with our mobile-first strategy, complemented by Visa's instore strengths.
We have an expansive vision for PayPal, including being an everyday part of our customers' financial lives. Customer choice, as we refer to it, involves empowering our customers to use PayPal where they want to pay and how they want to pay, and is the vehicle for achieving that vision.
For the remainder of 2016, we do not anticipate any material impact to our results from the movement to choice. Beginning next year we expect changes to our funding mix from customer choice will increase transaction expense. But at the same time, we believe expanding customer choice will unlock future revenue opportunities. Moving to customer choice and our agreement with Visa lay the foundation for sustainable revenue growth, with more certainty in our cost structure. It's very early on and we're only six months through the year. As we get closer to yearend, we will provide more detail on the impacts of this and how it affects our 2017 performance.
Finally, I'd like to discuss our financial guidance for the third quarter and full year. Our strong performance in the first half of the year across our core business, Braintree and P2P, in addition to our growing mobile penetration further validates our strategies and our business priorities.
As a result, we are raising our full year 2016 revenue guidance to $10.75 billion to $10.85 billion, or 19% to 20% growth on a currency-neutral basis. We are also narrowing the non-GAAP earnings range to $1.47 to $1.50 per share, representing growth of 18% at the high end of the range. And we are reaffirming our full year 2016 guidance on free cash flow, CapEx and non-GAAP effective tax rate.
For the third quarter, we expect revenue in the range of $2.6 to $2.67 billion, or 19% to 21% growth on a currency-neutral basis. And we expect non-GAAP earnings of $0.33 to $0.35 per share.
In conclusion, our second quarter results demonstrate the continued progress we are making in our business. Revenue is strong and we are combining that with excellent cost control to generate healthy margins and strong free cash flow. We continue to allocate capital in a way that generates shareholder value. And our partnership with Visa has removed an overhang on our business, giving us greater cost certainty going forward, allowing us to profitably participate in the offline market, and creating the foundation for being a customer champion.
With that I'll turn it over to the operator for questions. Thank you.
Question-and-Answer Session
[Operator Instructions]
Our first question comes from the line of Tien-tsin Huang of JPMorgan. Your question please.
Tien-tsin Huang - JPMorgan
Thanks. Good afternoon. Congrats on the Visa deal. I was curious, can we still rely upon your midterm guidance after considering the Visa partnership? I know there's a lot of moving pieces obviously, but curious if the midterm guidance still applies.
John Rainey
Thanks, Tien-tsin, appreciate it. This is John. We'll update that, if it's appropriate, as we get closer to the yearend. Like I suggested in my prepared remarks, we're very early on into this. We're very encouraged by the agreement. We think it's a fantastic opportunity for PayPal. And it's likely to positively affect the way our financial outlook and for the future. But we're not prepared to update that at this time.
Thank you. Our next question comes from the line of Heath Terry of Goldman Sachs. Your question please.
Heath Terry - Goldman Sachs
Great. Thanks. On the part of the Visa agreement around contactless payments and the enablement of offline acceptance, can you give us a sense of what the process is going to look like for that? Visa mentioned on their call that you still have to get sort of approval from the financial institutions, from the merchants. How do you intend to kind of get more out of this enablement than we saw out of the Discover deal and what's the roadmap look like to get there, you know, particularly from a timing perspective?
Dan Schulman
Hey, Heath, it's Dan. Thanks for your question. So we're very excited about the partnership with Visa. I think it's very important to understand that, I think as Charlie said on the Visa call, partnerships like the one we announced today work best when there's alignment for everyone. And we believe that we've designed an agreement that works for PayPal, Visa and the issuers. We've been in discussions with issuers, Visa has been in discussion with its issuers, and they're excited about the benefit from the volumes that we can bring to them and that we can bring to point of sale. And as Charlie pointed out, this agreement removes many of the concerns, if not all of the concerns, that issuers and others in the ecosystem have about working with PayPal.
You know, choice is something that everybody has been talking about. What issuers want, what we want, is the ability for a consumer to make a choice, to have options as to what payment tender type they want to pay with. What that basically means is that, you know, a consumer could pay with their credit, with ACAs, with debit, with cash, with P2P, with PayPal credit, any of those, but it's the option of the consumer to make that choice.
And then when you add on top of that optionality, the fact that we are very willing and happy to share the same sorts of data that somebody would get with a typical credit card swipe back to the network, back to the issuers and to customers, that's exactly what issuers have been asking for.
We actually think that this deal that we have with Visa offers a couple of benefits. Obviously it offers access to tokens at rates that are comparable to other contactless methods out there, and so we can compete with anybody now at a point of sale, there's no competitive disadvantage to anybody else out there. And we can go offline profitably.
Second, we get fee certainty, as we talked about, no targeted actions against PayPal, limits our new fees, even industry-based fees and volume-based discounts. So we have certainty around our cost structure. And very importantly, I think this opens us up to new partnerships: new partnerships with issuers, networks and others.
Choice and data turn us into their friends. And when I think about the partnerships that we have, we're an ideal distribution mechanism to drive more online and mobile spend to issuers. They're an idea partner to drive incremental net adds in customers into the PayPal platform. That's a win-win for both of us. And this is going to open up a new chapter for PayPal to partner with and for all of us to work together to advance digital payments going forward.
And as I mentioned in my remarks and John mentioned, a choice also is going to help us drive incremental new net adds. We're already seeing that in some of the changes we've made to our onboarding. When you look at One Touch and you see what our customers do when they're able to default a payment mechanism, their engagement goes up, the conversion rates go up. And obviously, when a customer gets to choose what instrument they want, we're going to see less calls come into customer care for us, we're going to see customer satisfaction go up. And typically when that happens, customer churn goes down.
So we think this is a very strong agreement that benefits Visa, its issuers, and us, allows us to work within the ecosystem. And the issuers don't need to sign any unique agreements with us. It's simply an opt in to participate with us. It's no additional work from them. And our movement to choice, data sharing, plus our commitment to quality, I think puts us on a par with others that are using Visa tokens in the ecosystem.
Heath Terry - Goldman Sachs
Great. Thanks, Dan.
Dan Schulman
You bet.
Thank you. Our next question comes from the line of Lisa Ellis of Bernstein. Your line is open.
Lisa Ellis - Bernstein
Hi guys. Good afternoon. So, one just follow-up question then on the Visa arrangements around activating at the point of sale, how -- in that scenario, do you guys remain the merchant of record? And does it flow over your acquiring platform? Or is the construct more of a pass-through wallet, as that's envisioned?
Dan Schulman
For the point of sale, we would do kind of pass-through on the token level, so that there'd be transparency on that. We've always said that we are perfectly willing to use the industry tokens and do that on a pass-through basis. And this agreement allows us to do that.
It allows us, one, to approach merchants with rates that are comparable to any digital wallets that are out there, so this whole card not present/card present rate structure that people have talked about, this takes away that concern as well. So it's an agreement that our two teams spent a lot of time working with, a lot of time making sure that the issuer population was also comfortable with it. And we think it is a, really, a tremendous win for all the parties on that.
Lisa Ellis - Bernstein
Got it. And on those transactions, sorry, just to clarify though, it's still processing over your acquiring platform?
Dan Schulman
It is, yes.
Lisa Ellis - Bernstein
Right? Meaning like the merchant will be paying you directly their typical take rate.
Dan Schulman
That's correct.
Lisa Ellis - Bernstein
Okay. Okay. Terrific. Thanks guys.
Dan Schulman
Thank you. Our next question comes from James Friedman of Susquehanna. Your question please.
James Friedman - Susquehanna
Hi. I was going to pivot out of the Visa conversation and ask you about Braintree. I think in the past, Dan, you've disclosed, or discussed at least, some of the backlog in Braintree. I was wondering if you could update us in fact quantitatively, what does it take to actually active the merchant from the backlog from a Braintree perspective? Thank you.
Dan Schulman
Yeah. So we're making very good progress in terms of our ability to work through the large demand that we have for Braintree. In effect, we try to make it as easy as possible on a merchant. We have ADI sets [ph] that makes it easy to integrate. It really depends on the extent of the integration that we're doing in any of the customization [ph] that we have to do. But I'd say we're making really good progress on keeping up with the demand. Right now the demand is strong, as John mentioned. That's why we're -- part of the reason why we're taking up our revenue forecast. But I'm really pleased with our ability now to onboard these customers and bring them live, to say [ph].
James Friedman - Susquehanna
Thank you.
Dan Schulman
Thank you. Our next question comes from George Mihalos of Cowen. Your line is open.
George Mihalos - Cowen & Co.
Great. Thanks for taking the question guys. I was wondering if you can give us a rough sense how much of TPV now goes through the Visa network both on a credit and debit perspective? And I just want to be clear, there is no initial incentive that is going to be provided to that volume starting day one, right? You'll have to go negotiate that with the issuers.
Dan Schulman
We have volume-based incentives from Visa themselves. There are also other potential terms that we could do with issuers specifically.
Your first question was?
John Rainey
How much volume is on Visa.
Dan Schulman
John Rainey
And that's not something we'll disclose, but maybe, George, a construct or a framework to kind of think about this, because I understand why you're asking the question.
If you consider we have just rough order of magnitude $300 billion of TPV today, and if you were to look at funding shift on that, that would overstate the effect of funding shift, because this agreement for now is U.S.-only, and as we've disclosed in the past, that's roughly half of our TPV. We also see differences in funding mix between P2P versus goods and services, so you've got to strip that out or at least treat that differently. And we disclosed earlier this year that P2P is roughly $40 billion of our annual TPV.
And then lastly, you need to also consider that there's a large percentage of our customers today that only have a card in the wallet. So, choice for them, there'd be no other increase in cost by moving -- by adding additional card or doing a different card. So from the cost side, that's the right framework to think about this.
George Mihalos - Cowen & Co.
Okay. That's very helpful.
Dan Schulman
I'd also add to it, George, that, remember, this is about optionality. So, all tender types will be presented to the customer, present to choose the tender type that makes the most sense for them for that particular purchase. And we've seen that that is a beneficial thing when we offer customers that ability.
John Rainey
Yeah. Even the early stages of testing some of these experiences with customers, we see really encouraging signs just in things like customer activation where you remove some of the friction from that process. And as Dan alluded to earlier, One Touch has been a great testbed for us as we've seen pretty dramatic increases in engagement after someone activates there.
George Mihalos - Cowen & Co.
Okay, great. Just a quick follow-up. John, I think you talked about taking some steps on the PayPal credit side to maybe mitigate some of the increases that you've seen in charge-offs. Can you elaborate on that, what that might mean for the back half of the year?
John Rainey
Sure. So as Dan talked about on the call last quarter, since we've become an independent company, we've really tried to establish ourselves as at least aspiring to be best in class when it comes to compliance. We think that that's really important for us. That's part of being a customer champion. And so we've taken steps across every aspect of our business to improve our compliance.
And so, specifically, we changed some of the ways that both we contacted customers as well as the repayment options for credit. That had some effect that on the late-stage delinquencies. There are other methods that we can do to mitigate that impact and we're going ourselves with those options for the back half of the year.
Dan Schulman
And I'd also just say, John mentioned, we're seeing some improvements in the underlying credit quality of our base, delinquency write-offs on that. So it's just that one particular bucket that we saw an increase, and so we're taking actions to address that. But in terms of the overall portfolio, we're very comfortable with what we're seeing on that.
John Rainey
Yeah. If I can just add maybe a little bit more color to that, our total delinquencies were actually down year over year. When we look at the percentage of our portfolio that's rated prime or above, that grew by a point, a better credit quality year over year. The 90-day delinquency is down year over year. And our portfolio of FICO store is relatively flat with where it's been.
So it's -- look, we're very keen on all the concern around this, with other players in the ecosystem, and we're aware of that. So it's something that we're hyper-focused on.
George Mihalos - Cowen & Co.
Okay, great. Really appreciate the color.
Dan Schulman
Yeah. You bet.
Thank you. Our next question comes from Ashwin Shirvaikar of Citi. Your line is open.
Ashwin Shirvaikar - Citi
Thank you. Good afternoon, Dan and John. Congratulations on getting the deal.
Two separate questions. On the Visa-related customer choice, when you say no impact in 2016, is that indicative of your view as to how long it might take to implement specific deals with issuers? I guess that's the first question.
And the second is with regards to, how does the agreement affect your relationship with merchants, and I guess your weighted average funding cost is an important part of the discussion but not the only factor. If you could comment on those.
Dan Schulman
So in terms of our guidance for 2016, incorporates any impact that there might be from customer choice. But you're right that this takes some time for this to be implemented and to move forward. So our guidance incorporates any impact that there might be from customer choice. And as John mentioned, we will wait until we get closer to 2017 to give 2017 guidance.
First of all, obviously we'll take a look at consumer behavior as a result of this. There are a number of discussions going on in the ecosystem and we want to look at the totality of the landscape before we really talk about what 2017 could look like. And finally, we're halfway through the year, we got a full another six months to execute against and let's see how our momentum takes us before we provide 2017 guidance.
And on the merchant side, merchants have been working with us quite closely as we're creating a platform for them to take advantage of digital commerce. And that basically means letting a merchant write their own application. And we power that application through a platform that enables them to extend our value proposition to their customers online, on the mobile, and instore.
And part of that instore environment, when it comes to the takeout wallet, we did not have tokenization schema, we've used different swarms of that. And so from a merchant perspective, the rates now that we can offer on an instore point of sale transaction are significantly more competitive for them. So it just strengthens our position in terms of working with merchants. No change in our strategy, but certainly strengthens it and opens up a wide opportunity for us. As we talk about the blurring of online and offline coming together, this really opens up our ability to move into any context, whether it be online, in app or instore with our digital wallet.
Ashwin Shirvaikar - Citi
Okay. I guess a quick follow-up if I may. In terms of the online choice, how is Paydiant affected by this, if it is?
Dan Schulman
Yeah, great question. Paydiant impact. Paydiant is part of our fundamental underlying platform. So when you think about the piece parts that we've started to put together, we had PayPal that was obviously very strong and online market. Braintree extremely strong in the mobile and in app marketplace. And Paydiant, very strong in the instore environment.
And so all of those are now coming together and being integrated, so that we can offer merchants the ability to look across any of those contexts and use our platform to power and enable their move to digital commerce. Then what we've done obviously is, because our base is so large, we take our branded PayPal wallet, which now available to go into more context, as I've just mentioned, and write up those applications, because we have so many subscribers that we can bring to those merchants.
And so you've got a platform play that's really unbranded, that supports a merchant's move into digital commerce, and then a branded wallet. And this helps us with our branded wallet to move into that offline space.
Ashwin Shirvaikar - Citi
That's great. Thank you for that explanation.
Dan Schulman
Yeah. You're welcome.
Operator, I think we have time for one more question.
Yes, we do, sir. That question comes from the line of Bill Carcache of Nomura. Your line is open, sir.
Bill Carcache - Nomura
Thank you. Dan, there are some skepticism regarding the willingness of issuers to promote PayPal. Could you speak to what you think will lead issuers to want to promote their brands on PayPal during the exclusivity period? And maybe give a little more color on what the receptivity has been in your discussions with the large issuers. And finally, what your confidence level is that you'll be able to get some of them onboard.
Dan Schulman
Yup. So we have a high degree of confidence in that we haven't worked this agreement in a vacuum, nor has Visa worked it in a vacuum. We've obviously been working with the issuer community. We've obviously been very close communications with them. We've been in close communications actually throughout the whole payment ecosystem with quite a number of players. And this move towards choice, our ability to open up our data, is something that issuers have been asking us for for quite some time. I think they are, based on our conversations, conversations that Visa has had with its own issuers, and we've been a part of some of those, there's a lot of excitement about the ability to partner and work together.
We think we could be a very strong distribution channel for them. You've talked about that in some of your write-ups, and that's exactly the vision that we are moving towards, and we have a good degree of confidence around that.
Bill Carcache - Nomura
Thank you. If I may, a follow-up for John. John, I believe that you made the point at Investor Day that the increase in your transaction expense rate from the shift to consumer choice would be something that you could offset with the operating leverage inherent in the business. Given the partnership announcement and all of the different aspects to it, I guess you guys are saying tonight that that doesn't necessarily still hold, you'll reevaluate over the next couple of quarters when you give 2017 guidance, say whether that's still the case. Or just trying to get a sense of I guess applicability of that statement still.
John Rainey
Yeah. So, yeah, that's not entirely correct, but just talking directionally, we have -- I would describe this as very analogous still to like an investment that one would make, an acquisition for example, where there's perhaps an upfront cost but there's a revenue stream that more than offsets that to where it's very accretive to the business.
With respect to the increase in transaction expense, we'll give more specific guidance as we get towards the end of the year about 2017. But when you look at both the revenue benefit as well as the good demonstrated cost control that you've seen for several quarters now, just look at the over 180 basis points of leverage this quarter, the fact that our operating expenses, if you normalize for the Xoom acquisition, only went up 7% in the quarter, we continue to demonstrate that we have a laser focused on discipline here, while still not starving the business for investment as well. We're making sure that we're continuing to invest organically.
So all that in combination gives us a level of comfort with this, that it's absolutely the right thing to do for the business. But specific to 2017, we'll give you a heads-up on that towards yearend.
Bill Carcache - Nomura
Great. Thank you for taking my questions.
John Rainey
You bet.
Dan Schulman
Thank you.
Dan Schulman
Okay. Thank you everybody for joining us today. We really appreciate your time, and, operator, that will conclude our Q&A session. Thank you.
And this concludes today's Q&A session. Ladies and gentlemen, thank you for participating in today's conference. This concludes the program and you may now disconnect. Everyone have a great evening.


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One Room With A View – Lego Batman v Batman Trailer Remix
Roles: Producer and Editor
BBC Production Apprentice Scheme 2015
A video to advertise the BBC's Production Apprentice Scheme. I also made two other videos for the Business Higher Management Apprenticeship Scheme and the Journalism Apprenticeship Scheme.
Roles: Self-shooter and editor
GoThinkBig Apprenticeship Tour 2015
The highlights of GoThinkBig's tour around London, Leeds, Manchester and Birmingham to promote the benefits and opportunities available with apprenticeships.
Roles: Self-shooter and editor (I shot all the interviews except the London event and some of the cutaways)
Anthony Nolan Ride London 2014 Highlights
Highlights of Anthony Nolan's fundraisers and post-race reception at the 2014 Ride London event.
Role: Camera Operator (all exterior shots)
Anthony Nolan Thank You
A video thank you from a past transplant recipient who benefited from the help of the Anthony Nolan charity.
Role: Camera Operator (close-ups and exterior shots)
Luol Deng Scoring A Full-Court Basket at Deng Camp
Outtake from coverage of Luol Deng's basketball training camp. Most of the footage was only intended for the coaches' use, but this also happened during a break when I happened to be filming.
Role: Camera Operator
Makegood Festival Coverage
One of many interviews with stallholders at the Makegood festival, an event for creative entrepreneurs on the School for Creative Startups.
Role: Camera Operator
These are a selection of my past film projects, all of them made whilst I was a member of XTV.
Director's Showreel
Starting on October 24th, Proof is a comedy satire based in the wonderful, ridiculous world of student journalism. Any resemblance to persons (or student media teams) living or dead is purely coincidental.
Roles: Writer and director (both with Calum Baker), camera operator, actor
Filmed using a Canon 600D, 60D and a Nikon D5100.
After Life
Blind dates are awkward. They never end well. At least that's what Alex thinks until he is forced into one and meets his perfect partner, Lucy. The date surpasses his wildest expectations, but when he wakes up the next morning she's gone. Dead.
His friends can't console him, but he soon moves on when he meets Natalie at his local record shop. He starts to forget Lucy until an unexpected visitor makes him question everything about her. Life is just the beginning. The real story is After Life.
Roles: producer, director, writer, editor, camera operator, actor
Filmed using a Canon 600D, 650D, 60D and a Nikon D5100.
A short film about a couple, Nick and Emma, whose son is kidnapped and their struggle to handle the aftermath of the event. Nick is racked with guilt because he was having an affair with another woman, Jess, at the time.
Roles: producer, director, writer, editor, camera operator
Filmed using a Canon 600D and a Nikon D5100.
Bang + Whimper Episode 1
The first episode of the comedy sketch show Bang + Whimper (pronounced Bang and Whimper). Featuring sketches about war poetry, silent films, spoof news and the oddest adverts you've ever seen.
Roles: producer, director, writer (all sketches except for the silent film sketch and Roger Tolkien sketch), editor, camera operator
Filmed using the Canon XL1.
Bang + Whimper Episode 2
Bang + Whimper are back after our exile in the Bermuda Triangle, ready to bring you moderate hilarity and occasional smirks. In this episode we expose the hidden debauchery of librarians, awkwardly sit in on some marriage counselling and visit our very own loose women.
Roles: producer, director, writer (all sketches except for 'Cougars'), editor, camera operator, actor
Filmed using the Canon XL1.


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NHL17Coin is now making both NHL 17 Coins and NHL 17 Points available for online purchase in Arab countries. All avid fans of the NHL cup games in Arab countries can now purchase their Coins or build their own Points no matter what device they are using. People could buy NHL Coins for XBOX One, Xbox 360, PS3, and PS4. All that they have to do is to create an account with the device that they are going to use for the game.
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DIY: Clip in bangs7/15/2015
Hi everyone,
I'm here with another DIY project... don't you just love how you can recreate stuffs for less? This week it's going to be BANGS!!!
Bangs are so in this season but cutting bangs is a big commitment.i've been on the search for the perfect clip in bangs, but sadly I've found that most units lack the proper construction so I took matters into my own hands and made my own clip-in sidefringe! They key is to design the unit around your preferred hairstyle.
Here's what you'll need:
1. Hair extensions
2. Wig clips
3. Sewing thread and needle
4. Scissors to cut.
Here's how I created my side sweep clip on bangs:
Measure how long you need your tracts to be and sew the wig clips on it
Pack your hair up in a bun
Place the shorter tract half way on your sleeked up hair.
Place the second tract close to your bun, adjust the bun to cover the tracts.
Using a flat iron style as desired.
You can also use this method for a full fringe.


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New Elegant Car Service Inc was founded in 1993, and is located at 5911 4th Ave in Brooklyn. Additional information is available at or by contacting Jose Veloria at (718) 833-6262.
Nys Federation Taxi Drivers was founded in 2007. Nys Federation Taxi Drivers specializes in Labor Union. Nys Federation Taxi Drivers has 3 employees and estimated revenues of $190,000.00.