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Top images found online for Paramount Canyon, New Mexico:
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Collins's ex-partner speaks out
Justin Lee Collins's ex-partner Anna Larke shares her story of harassment at the hands of the comedian.
Justin Lee Collins's ex-partner Anna Larke shares her story of harassment at the hands of the comedian.
The former partner of Justin Lee Collins has described the emotional scars caused by his harassment. The ex-girlfriend of Justin Lee Collins has spoken about the trauma she suffered at the hands of the TV star.
Anna Larke says Collins made her change her phone number and told her what she could wear during their seven month relationship.
He was found guilty of harassing her last week. She has said she still has "emotional bruises".
Ronke Phillips reports. You may find some of this report distressing.
An appeal has begun after a 37-year-old woman was grabbed around the neck before being forced to hand over her belongings.
Premier League clubs could face heavy fines and even the prospect of points deductions if they fail to meet an August deadline.
Police have released CCTV of a man they wish to identify after an assault in Newham.


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We found 8 providers named 'Michael Yen' nationally.
Dr. Michael Yen is an ophthalmologist. He graduated from the University of Michigan Medical School. Dr. Yen trained at Bascom Palmer Eye Institute for residency. Areas of expertise for Dr. Yen include hemifacial spasm, blepharospasm, and thyroid problems. He is in-network for Blue Cross Blue Shield Bronze, Blue Cross Blue Shield HMO, Blue Cross Blue Shield Gold, and more. Dr. Yen is affiliated with Texas Children's Hospital and Houston Methodist. His practice is open to new patients.
Clinical interests: Eyelid Problems, Injectable Fillers, Cosmetic Surgery, Skin Cancer, Facial Problems, Surgical ... (Read more)
Dr. Michael Yen's specialties are adult cardiology and interventional cardiology. He practices in Poughkeepsie, NY. He is in-network for Medicaid and Medicare insurance. He attended medical school at Duke University School of Medicine.
Procedure Information for Percutaneous Coronary Intervention
- Patient survival rate: ?97.9%(Similar to state average)
- Case Severity: 0.9 times the average?
- Based on 364 patients (2009-2011)
Procedure Information for Non-Emergency Angioplasty
- Patient survival rate: ?98.9%(Similar to state average)
- Case Severity: 0.7 times the average?
- Based on 267 patients (2009-2011)
Dr. Michael Fang-Yen practices ophthalmology (eye disease). He takes Medicare and Kaiser Permanente insurance. He is a graduate of the University of Minnesota Medical School and a graduate of Mayo Clinic's residency program.
Dr. Michael Yen's areas of specialization are adult hematology and adult oncology; he sees patients in Santa Cruz, CA. Patients gave Dr. Yen an average rating of 2.0 stars out of 5. He is in-network for Blue Shield, Health Net, and Blue Cross/Blue Shield, as well as other insurance carriers. He attended medical school at the University of California, San Diego (UCSD), School of Medicine.
Dr. Michael Yencho is a physician who specializes in adolescent medicine. He is professionally affiliated with Eastern Connecticut Health Network. Dr. Yencho attended St. Louis University School of Medicine and subsequently trained at Naval Hospital Oakland for residency.
Dr. Michael Yen's area of specialization is adult nephrology. He is professionally affiliated with Good Samaritan Hospital of MD, Maryland General Hospital, and Union Memorial Hospital & Extended Care Unit. Dr. Yen studied medicine at Shanghai Medical University.


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HONOLULU — President Donald Trump has disputed climate change, pledged a revival of coal and disparaged wind power, and his nominee to head the Energy Department was once highly skeptical of the agency's value. What this means for states' efforts to promote renewable energy is an open question.
HONOLULU (AP) — The Honolulu Police Department is focusing on recruitment as it seeks to fill more than 200 officer vacancies.


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Ratings based on 55 Verified Reviews
3.5 Room cleanliness
3.7 Service & staff
3.7 Room comfort
3.1 Hotel condition
Expedia Verified Reviews
for Everyoneby A verified traveler from New York
Room with incredible viewPosted Nov 12, 2015
Absolutely wonderful from check in to checkout. The staff was incredible. Eliseangela at the Front Desk is an absolute Jewel. But the entire staff left me in awe. I love Salvador and until I get lucky and can grab me one of those beachfront Apartments, this will be my home away from home. This was my second stay at The Pestana and I'm already counting down to my return.
for Everyoneby A verified traveler from Sacramento, CA
Great valuePosted Sep 13, 2015
The hotel was old, but it was clean and in good condition. The breakfast was good. I liked the pool band the staff people.
for Everyoneby A verified traveler
Posted Sep 13, 2015
Good staff, clean rooms, nice food. The hotel is well located and moving around is very easy
for Everyoneby A verified traveler from NYC
Didnt Want It To EndPosted Jun 29, 2015
Pros: Excellent in every way. No hassle, no fuss. Just a great place
Cons: I really can't think of anything.
Location: PERFECT!!!!!!!
Due to a very busy last couple of years, I've been unable to really get a way. So It was important to have a really good experience on this short getaway. By far, this was the greatest no hassle experience to date. From check in to check out, ALL was simply superb. The Views and the crashing of the waves just outside my window was just too much. If I could drop everything this very minute and be on the next plane back to Salvador and the Pestana, I would not hesitate. Trust Me, this hotel, this city is not to be missed. So if you are toying with weather or not to go to Salvador or to stay at the Pestana, stop hestitating and just do it.
for Everyoneby A verified traveler
Right by the OceanPosted Apr 3, 2015
Pros: There wasn't really anything to dislike about the hotel at all. I was left alone and when I had questions the staff were easily accessible.
Cons: The treadmills need to be improved and in English. It would also help if all of them work. I understand that most people just want the pool instead.
Location: Having a friend from there is definitely a huge advantage. There are restaurants at the first intersection going away from the hotel but a taxi helps.
Luckily for me I already had a friend from Salvador, Brazil. Whenever they were busy, it was easy to stay entertained in this really nice hotel by the Atlantic Ocean. The AC was more than adequate in keeping me cool. The WiFi could have been a bit faster but it still go the job done. The best part of the hotel by far is its pool area which is right on the ocean. I sat in a lawn chair, had a few snacks and just watched the ocean for an hour two. The staff is friendly and I had no issues communicating with them in English. The view of the city and ocean from the room makes it worth the money.
by A verified traveler
Only positive thing is the view.Posted Dec 20, 2014
Very bad smell. Linen are horrible. Rooms are not clean enough. Towels very very old. Flood when you shower. Nothing nothing nothing is good.
for Business Travelersby A verified traveler from uk
Spectacular locationPosted Aug 19, 2014
Pros: Location
Cons: The food, especially during the day
Be aware that the food is not great, but this is made up for by the views, location etc. it's not really a business hotel
by A verified traveler from BR
A nightmare at the beach.Posted Jul 10, 2014
Pros: NOTHING
Cons: ALL. Close or demolish the hotel. You will be doing humanity a favor.
If you see the photos of the Pestana Bahia you would think that this is an excellent beach hotel. It was my first experience with the Portuguese Pestana group. It will be my last. Overall the hotel is dilapidated to say the least. The service basically believes they are doing you the greatest favor of their live. It only took us 45 minutes to check in and to receive the key to the "Castle Room". The rooms are probably from the 80's and still on the 80's. The bathroom door is falling apart, the air condition blows humid air which i can attest will produce a horrible cold as the one I have while writing my review. We had the audacity to have lunch at the buffet. Save yourself that experience. Fried and disgusting food to say the least. At breakfast better be fast since the lady that runs it is nice enough to slam the door at your nose to indicate that the time you had for it is over. We went to the bar. If you can call that a bar. There were probably 6 bottles of different liquors all of them half way so you could not had more than 2 drinks since we were a large group. Also, it was beautiful to see roaches waking and dancing at the Samba rhythm only missing their Carmen Mirandas' hat to be completely fashion. The management is so poor that they were unable to lease the bar to somebody in order to take advantage of the FIFA delegation staying there plus all the other innocent victims at the hotel.
by emtyty from New York
Awesome view but in dire need of upkeepPosted Dec 10, 2013
Pros: The view
Cons: Upkeep
Nice view from any room but a short car ride to beaches and sort of remote. The hotel itself is outdated and in need of renovation / upkeep. Staff are not the most responsive
by A verified traveler


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The Glade collection of headboards are simple, rectangular, and made in the U.S.A.
Glade Durham Beige Fabric Klaussner Full/Queen Headboard
For item EU5T141 if ordered by 1 pm Pacific Time
Monday, February 6 - Saturday, February 18*
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Today's Devotional
Running the RaceHow deliberate are you in your spiritual training?
Top Christian Music Videos
The Open Table by Donald Miller - "What I Don't Like"
Don discusses his vision for a safe way to talk about God. The Open Table: An Invitation to Know God is simply that - an open invitation for discussion about some of life's greatest questions: what is Christianity, who is Jesus, and how should this affect our lives? Donald Miller, author of best-selling books Blue Like Jazz and Searching for God Knows What, invites you to join him in a conversation infused with humor, truth, history, and above all, honesty. Whether you have never opened a Bible or if you grew up reciting the Lord's Prayer, the table is open to you.


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Loopersound releases Metro Sax sample pack
TANNOY intros CMS (Ceiling Monitor System) 3.0
Plug & Mix adds 5 new plug-ins to the V.I.P. Bundle
NAMM 2017: Source Audio intros 7 new effect engines incl. Klon Centaur & Binson Echorec inspired effects
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NEW YORK — Product of the Year USA revealed the 16 winning products here last week that have earned the right to bear the Product of the Year designation.
Although products are initially nominated by their manufacturer, and the field is narrowed by a panel of industry judges, and consumers ultimately determine the winners.
In October, program partner TNS polled more than 100,000 consumers about the innovativeness of over 40 entries. Beginning in March, the red POY logo
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Sunset Cliff edge road repair
Street Division removes band-aid, performs surgery
Jimi Olsen 11:30 a.m., Jan. 17
Posted May 31, 2011
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Strut out of your style rut with these workwear looks, in partnership with Smint
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Clever winter dressing is all about layering and this shirt, which will see you stylishly throughout winter and into spring, fits beautifully under blazers, ponchos, pinafores and dungarees.
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Check in from 14h / Check out prior to 11h
Graingers Guest House Weymouth: Find photos, reviews, information, amenities and compare prices for 4 stars hotels in Weymouth, United Kingdom.
Graingers Guest House Weymouth offers 4-star accommodation in Weymouth. It is ideally located for those wanting to sightsee in the area.
Hotel description
Rooms at Graingers are modern and offer a flat-screen TV, a refrigerator and tea and coffee making facilities. All include a CD player, heating and a DVD player.
A satisfying breakfast is available every morning at Graingers Guest House, and there are numerous restaurants and eateries close by.
Bournemouth Airport is a 60-minute drive from the guest house. Dorchester and Portland are also a short car ride away.
Hotel features
Refrigerator, Coffee / Tea Maker, Hair Dryer, TV, CD Player, DVD Player
Availability and Prices
Booking Site
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Per room
Per night
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12 Trinity Road, Weymouth
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Tuscan Salad
Tuscan Salad by Giada De Laurentiis Easy and delicious
Tuscan Bean Salad

This hearty pasta salad might be better than a trip to Tuscany.

Get the recipe from Delish.

Tuscan Bread Salad, which is also known as Panzanella. Using bread in a salad might sound unusual but this is seriously yummy! #panzanella #bread #salad
Our Tuscan Tortellini Salad Is the Ultimate Party Pleaser - Delish.com
Tuscan kale, tomatoes, red cabbage, chickpeas, and a light vinaigrette make this the perfect detox salad!
Tuscan Dipping Oil
Tuscan White Bean Soup - The perfect 30 Minute Meal!
You won't believe the flavor in this easy-to-make Tuscan Vegetable Soup! Who knew healthy could taste so good?! This healthy soup is gluten-free, vegetarian, clean-eating and low carb. The best part? Is it SO GOOD!
Tuscan Roast Asparagus Sustainable. Natural. Community.


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By Ellie Pierpoint
4th January 2017
A transfer of equity occurs when a property owner wishes to change the legal ownership of the property. Reasons include marriage, divorce and tax planning.
Homeward Legal's solicitors offer expert legal assistance with your transfer of equity.
Get an instant quote for a transfer of equity in Waddington.
Homeward Legal's panel of solicitors carry out remortgage conveyancing for Waddington clients every week.
We strive to complete your remortgage legal work quickly, so that you benefit from your new mortgage deal as soon as possible.
Get an online Waddington solicitor remortgage quote to begin.
Call now on
"Teamwork is vital for an easier home move."
Lorraine Imhoff
When buying or selling a home in Waddington, you should instruct a lawyer to look after the legal work for you.
Homeward Legal's conveyancing lawyers have years of experience helping home buyers and sellers in Waddington and all over Lincolnshire.Our pragmatic approach often means we move you faster than other firms.
Conveyancing solicitors who perform all the conveyancing work for your move for a fixed price.
If your Lincolnshire house move does not complete you will not be charged any solicitors fees.
Using area experience, our solicitors will guide you through every aspect of your sale or purchase.
No additional fees whatsoever.
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Ask Lorraine a question firstname.lastname@example.com
Updated: 10/01/17
The closest airport to Waddington is Gamston Airport (19 miles). Waddington's closest station is Hykeham.
Lincoln County is a relatively close hospital to Waddington.Q.
Confusion over this issue affects many buyers who opted for a very cheap quote, only to be stung later in the conveyancing process, and many solicitors offer theoretically 'the cheapest conveyancing quotes', however additional fees are frequently hidden in the terms of engagement. These terms are often ignored by excited buyers, eager to get underway. Any additional costs listed in terms and conditions ought to be clearly defined. Applicable disbursements must also be stated on a quote. Our quotes clearly state all legal fees for a standard conveyancing transaction.Q.
On average, the length of time needed to sell or purchase a property may vary, based on potentially many issues which may affect the property, for example, whether there is a mortgage. With Homeward Legal's Waddington property experts, every purchase receives fast and efficient service.Q.
The Homeward Legal group are able to work with all the major lenders who are Council of Mortgage Lenders-approved. A number of mortgage specialists operate in Waddington, such as Edward Brook Financial Associates, 17 Guildhall St, Lincoln, LN1 1TR, Fenwold Financial Services, 19 Hutson
Dr, North Hykeham, Lincoln, LN6 8EB, and Personal Mortgage Solutions, 8 Ryland Bridge, Welton, Lincoln, LN2 3RP. Your solicitor should be able to state specific lenders' requirements.Q.
The conveyancing process may experience many unexpected delays. Homeward Legal know the needless stress these can cause and seek to diminish the cost of these delays whenever feasible by using fast search providers. Reasons for delay may include waiting for responses from third parties.Q.
Potentially amounting to over £100,000 in repair cost obligations, chancel liability should be considered by buyers of Waddington property likely to be affected. Some names or words such as 'abbeylands' give an indication of a property's history, and thus whether chancel liability may apply. Waddington church properties include St Helen and St Michael.Q.
A conveyancing lawyer could advise that a chancel search is ordered. Chancel repair has the potential to be charged on the owners of a house where Parochial Church Councils (PCCs) have not imposed the same liability on the last owners. For property in the parish of Lincoln St Margaret in Wigford, it is not safe to rely on the historical behaviour of the parish council alone as a guide.Q.
Buyers should consider that some lenders have opted to reduce the size of their 'solicitor panel'. We are able to act on behalf of all large mortgage lenders.Q.
Stamp duty scheme must be treated with caution by purchasers in Waddington. These schemes are costly and unreliable.
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Success Guide National 5 Geography Success Guide
Written by Rob Hands, Samantha Peck, Alison Hughes, Leckie & Leckie
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Lovereading4kids Price £10.99This title is in stock
Success Guide National 5 Geography Success Guide by Rob Hands, Samantha Peck, Alison Hughes, Leckie & LeckieNational 5 Geography Success Guide provides easy-to-use and value-for-money revision for all abilities and learning styles and includes guidance on the National 5 course and assessments structure. Success Guides are the number one revision brand in Scotland and all the popular features of this tried and trusted series are retained here. Prepare to excel in your National 5 Geography examination with this Success Guide - the first choice for successful Scottish students! Success Guides really work because: * Comprehensive coverage of all the N5 topics in user-friendly sections will help you plan your revision in bite-size chunks * Quick Tests on every topic provide the practice that experts say is essential for effective recall * 'Traffic light' checks build your confidence and help measure your revision progress * Exam tips throughout ensure you know what the examiner will be looking for * Guidance for the Added Value Unit will give you some great ideas for your project
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Law & Order 1990 | TV Show Watchlist
Season 3, Episode 7 Self-Defense
First Aired: November 11, 1992
"They shoot me, I shoot back. I kill them," says an immigrant (Adam Arkin) who pulled the trigger on two brothers. But was it self-defense? Drakos: Ron Rifkin. Fortas: Frank Savino. Christine: Marissa Chibas.
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Though Princess Leia will live on in our hearts.
Our favorite lawyer makes his return.
Based on a book from Michael Jackson's last bodyguards.
It also stars 'Harry Potter' actor, Rupert Grint.
A diverse soundtrack for the upcoming film.
Thanks to shows like 'Luke Cage,' 'The Crown' and 'Gilmore Girls.'
Better than 'Hamilton.'
Can the Merc With a Mouth win Best Picture?
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text: Fideles Alves Dos Santos Fideles Alves Dos Santos is 38 years old male from Barueri, Brazil. He is interested in meet new people. 38, male, Barueri Likes: 60x Facebook profile Who s/he liked? Send message Favorite May she/he ask you for a date? Never Maybe Sure Pearl Harbour How I Met You Mother Enigma Bob Marley Gucci Crank Spare ribs Cinema Facebook Singing Relationship: ShowSexuality: ShowHeight: ShowWeight: ShowBody type: ShowEye color: ShowHair color: ShowLiving: ShowKids: ShowSmoking: ShowDrinking: Show Report photo Sign up to see all photos Facebook Twitter Google+ Pinterest Similar users Eddie 37, Tampa 59 Harry 35, San Francisco 94 Matt 39, Lanham 164 Carlos 40, Urbana 255 Marc 40, Winter Haven 947 Henry 36, Tustin 76 Olger 38, Elizabeth 87 Shawn 41, Fort Atkinson 134 Jose Martinez 41, Dallas 167 No


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In our news wrap Friday, President-elect Donald Trump announced two more White House staff appointments from his holiday stay in Florida: Kathleen "KT" McFarland as deputy national security adviser, and Donald McGahn as White House counsel. Also, the death toll from Thursday's bombing in southern Iraq rose to at least 73. The Islamic State claimed responsibility for the attack.
Continue reading
In our news wrap Thursday, as Americans took time to celebrate Thanksgiving, President Obama called for unity in a video message. Also, the Islamic State carried out a massive suicide truck bombing south of Baghdad, killing at least 56 people.
Continue reading
The U.S. ambassador to Iraq is Douglas Silliman, a career Foreign Service officer who has worked on and off in Iraq since 2011, previously served as U.S. ambassador to Kuwait and held other posts in Turkey and Jordan. He joins Alison Stewart to discuss the ongoing U.S. presence in Iraq and the fight against the Islamic State. Continue reading
More than five weeks into the fight to retake the Mosul from ISIS, Iraqi forces and their allies must deal with extremely deadly warfare techniques, including car bombs, explosives hidden in underground tunnels and booby-traps. Special correspondent Jane Ferguson reports from Mosul. Continue reading
Military forces in Iraq are squeezing Islamic State militants hunkered down in Mosul. Even though the forces appear to be gaining ground militarily, the escaping civilian residents face a difficult path. Continue reading
As Iraqi forces continue to gain ground in Mosul against Islamic State militants, thousands of residents are attempting to flee the city. The United Nations reports that ISIS is carrying out mass executions of civilians. Alex Milutinovic, who is directing relief efforts in Iraq for the International Rescue Committee, joins Alison Stewart to discuss the plight of those civilians. Continue reading
In our news wrap Friday, president-elect Donald Trump announced that Mike Pence would be the new chair of his transition team, replacing New Jersey Governor Chris Christie. Also, anti-Trump protests continued across the country. In Portland, Oregon, thousands of demonstrators squared off with police, throwing bottles and rocks, while officers responded with tear gas and rubber bullets. Continue reading
In October, the Islamic State launched an offensive on the city of Kirkuk, Iraq. The attack was ultimately suppressed by Kurdish military forces, but it also diverted other anti-ISIS efforts and possibly escalated ethnic tensions in the culturally diverse city. Special correspondent Christopher Livesay reports from Kirkuk. Continue reading
In our news wrap Monday, Kurdish-led forces pressed toward the Islamic State's de facto capital Raqqa after announcing the offensive Sunday. Also, the Justice Department announced it is sending 500 staffers to 28 states to watch for civil rights violations at the polls, a third of what it sent in 2012. The Supreme Court refused to re-impose Democrat-sought curbs on partisan poll watchers in Ohio. Continue reading
In our news wrap Friday, the Labor Department reported that U.S. employers added a net 161,000 jobs in October, dipping the unemployment rate a tenth of a percent to 4.9. Also, there are guilty verdicts in New Jersey Governor Chris Christie's "Bridgegate" scandal. A federal jury convicted Christie's former aides of shutting down parts of a major bridge to punish a political opponent. Continue reading


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AirBox CM3 mobile broadband router
Some ideas sound really cool on paper, and with the right headline can make your jaw drop for a second or two at least. So it is with the AirBox CM3 mobile router which promises to bring broadband into your car even at 100 miles per hour.
Wow, you might be thinking, a proper full speed internet connection while I'm on the motorway. Double wow, you could be contemplating, Xbox 360 Live for the kids in the back, how cool is that?
But put your foot on the brake for a moment and let your brain catch up with the reality of the situation. What the AirBox actually does is deliver the Internet by way of a 3G/HSDPA mobile phone data connection, if available, and dropping down to whatever is left where one isn't.
This means that you could be lucky and get something approaching 1.8Mbps by way of a connection, although tests tend to suggest that something under 1Mbps is more realistic and if you happen to be driving through a rural area then your internet experience becomes more akin to the good old days of dial up.
The device itself is small enough at 18.3 x 15.5 x 3.2cm and weighs much the same as your average paperback book, which means it can be stowed away out of sight when not in use although obviously you will need to slap it on the dash or parcel shelf and fiddle around with positioning to get the best signal when you are using it. An optional antenna is highly recommended if you intend to make serious use of such a device, it has to be said.
You can connect pretty much anything that you can to a bog standard router courtesy of the two Ethernet jacks, and the 802.11g Wi-Fi brings wireless into your car if you prefer. The CM3 supports multiple simultaneous connections, limited only by the available bandwidth of course, so you could be checking your email (not while driving at 100 miles per hour on the motorway as that would be wrong on so many fronts) while the kids kill each other in the back, virtually speaking.
Because it has been specifically designed to be used in a moving vehicle, there are clever features like always locking onto the strongest mobile signal when more than one is available and constantly searching for those signals to be able to maintain a broadband connection.
But just how clever is all this, when you move beyond the wow factor and think about it? After all, doesn't your mobile phone work perfectly well even at 100 miles per hour?
Can you not get the Internet on the motorway via your mobile phone already, without having to cough up £250 for a new device? Certainly users of high end smartphones such as the Nokia N95 or HTC TyTn II can enjoy high speed internet access at high speed from a very small device already. Depending upon your data plan and mobile device, you can even already use it as a mobile broadband modem for your laptop on the move.
For the business user, the limo companies ferrying executives around all day and perhaps the family for whom roof mounted DVD players are so passé that only Xbox Live on the M25 will keep them ahead of the Jones's the AirBox CM3 could find a home.
For the rest of us, we suspect that the good old smartphone will be sufficient. After all, that has the advantage of taking the broadband internet out of the car and into your pocket wherever you may be going. And you will need that 3G data subscription in the first place to be able to get a signal into your AirBox, which makes us think that the value for money equation here is not a particularly great one.
One for hardcore gamers and limo rental companies only, everyone else will manage just fine with 3G mobile phone for motorway internet access.
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20 Most Memorable Arrests of Phoenix Athletes
Clockwise, from top left: Mark Grace, Charles Barkley, Tom Chambers, Michael Beasley, Daryl Washington, and Jason Kidd.
Local law-enforcement agencies have had plenty of run-ins with Phoenix's professional athletes over the years.
Below, check out our picks for the 20 most memorable arrests of Arizona Cardinals, Arizona Diamondbacks, Arizona Coyotes, and Phoenix Suns athletes:
20.) Stephon Marbury
Marbury, who had recently been acquired by the Suns for Jason Kidd (featured later on this list) was arrested for extreme DUI back in 2002.
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19.) Cliff Robinson
Almost exactly one year before Marbury's arrest, Suns forward Cliff Robinson was arrested on DUI and marijuana-possession charges.
18.) Richard Dumas
Dumas, a former Suns star, ended up having to work for a living after blowing his NBA money, but police say he was stealing from work, at a Luke Air Force Base exchange.
17.) Rex Chapman
You probably forgot all about former Suns player Rex Chapman until he was arrested last month on allegations that he shoplifted more than $14,000 worth of products from an Apple store.Next Page
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13-1 Money and Banks Chapter 13 Copyright © 2010 by the McGraw-Hill Companies, Inc. All rights reserved. McGraw-Hill/Irwin
13-2 Money and Banks Money affects not only morals and ideals but also the way an economy works –What is money? –How is money created? –What role do banks play in the circular flow of income and spending?
13-3 What Is Money? Without money, you would have to use barter to get items you want Barter: The direct exchange of one good for another, without the use of money Acquiring goods and services would be much more difficult and time-consuming
13-4 The Money Supply Anything that serves the following purposes can be thought of as money: –Medium of exchange: Is accepted as payment for goods and services (and debts) –Store of value: Can be held for future purchases –Standard of value: Serves as a yardstick for measuring the prices of goods and services
13-5 Many Types of Money In colonial America, many different things were used as mediums of exchange After independence, it was state-issued paper money and gold, silver, and commodities The National Banking Act of 1863 gave the federal government permanent authority to issue money
13-6 Modern Concepts Money: Anything generally accepted as a medium of exchange Checking accounts can and do perform the same market functions as cash Credit cards and online methods are popular mediums of exchange but are not money
13-7 Diversity of Bank Accounts There are many forms of bank accounts Some are better substitutes for cash than others –Regular checking accounts are used all the time to pay bills or make purchases –Consumers cant write checks on most savings accounts or use CDs to make purchases
13-8 M1: Cash and Transactions Accounts Money supply: (M1) Currency held by the public, plus balances in transactions accounts M1 includes –Currency in circulation –Transactions account balances –Travelers checks
13-9 M1: Cash and Transactions Accounts Transactions accounts are the readiest substitutes for cash in market transactions Transactions account: A bank account that permits direct payment to a third party –Do not require a trip to the bank to make a special withdrawal
13-10 M2: M1 + Savings Accounts, etc. M2 money supply: M1 plus balances in most savings accounts and money market mutual funds Savings-account balances are almost as good a substitute for cash as transaction-account balances
13-11 Composition of the Money Supply Currency in circulation Transactions-account balances Savings account balances Money market mutual funds and deposits Travelers checks ($6 billion) M2 ($8,223 billion) M1 ($1,602 billion) $ 1,098 billion $5,523 billion $776 billion $820 billion Source: Federal Reserve (January 2009 data)
13-12 Creation of Money Two basic principles of the money supply: –Transactions-account balances are a large portion of our money supply –Banks can create transactions-account balances by making loans Deposit creation: The creation of transactions deposits by bank lending
13-13 T Accounts T accounts are used to keep track of changes in reserves, deposit balances, and loans Assets are things of value the bank possesses –Cash held in a banks vaults –IOUs (loan obligations) from bank customers –Reserve credits at the Federal Reserve –Securities (bonds) purchased by the bank
13-14 T Accounts Liabilities are things the bank owes to others –Banks largest liabilities are customers deposits The books of a bank must always balance because all of its assets must belong to someone (its depositors or its owners)
13-15 Suppose there is a single bank and you deposit $100 in coins to open a new checking account A Monopoly Bank University BankMoney Supply Assets Liabilities Cash held by the public - $100 + $100 in coins + $100 in deposits Transactions deposits at bank + $100 Change in M0
13-16 The Initial Loan Now the bank loans $100 to Campus Radio station by crediting its checking account University BankMoney Supply Assets Liabilities Cash held by the public no change + $100 in coins + $100 your account balance Transactions deposits at bank + $100 + $100 in loans + $100 Campus Radio account Change in M+ $100
13-17 The Initial Loan Money has been created because checking accounts are money Total bank reserves have remained unchanged Bank reserves: Assets held by a bank to fulfill its deposit obligations
13-18 Secondary Deposits In a one bank system, when Campus Radio uses the loan, the proceeds of the loan are re- deposited in the same bank The bank continues to hold its entire reserves (your coins)
13-19 Fractional Reserves Bank reserves are only a fraction of total transaction deposits Reserve ratio: The ratio of a banks reserves to its total transactions deposits
13-20 Fractional Reserves The Federal Reserve System requires banks to maintain some minimum reserve ratio, which limits deposit-creation lending possibilities Required reserves: The minimum amount of reserves a bank is required to hold
13-21 A Multibank World The ability of banks to make loans depends on access to excess reserves Excess reserves: Bank reserves in excess of required reserves
13-22 Excess Reserves So long as a bank has excess reserves, it can make loans –Example: If a bank has $100 in reserves and is required to hold $20, it can lend out excess reserves of $80
13-23 Changes in the Money Supply In making a loan, the bank automatically increases the total money supply Money effectively appears out of thin air The creation of transaction deposits via new loans is the same as creating money
13-24 AssetsLiabilities University Bank Required Reserves$20 Excess Reserves$80 Your account $100 Total Assets $100 Total Liabilities $100 AssetsLiabilities Eternal Savings Total AssetsTotal Liabilities Deposit Creation
13-25 Deposit Creation AssetsLiabilities University Bank Required Reserves$36 Excess Reserves$64 Loans$80 Your account $100 Campus Radio account$ 80 Total Assets $180 Total Liabilities $180 AssetsLiabilities Eternal Savings Total AssetsTotal Liabilities
13-26 Deposit Creation AssetsLiabilities University Bank Required Reserves$20 Excess Reserves$ 0 Loans$80 Your account $100 Campus Radio account$ 0 Total Assets $100 Total Liabilities $100 AssetsLiabilities Eternal Savings Required Reserves$16 Required Reserves$64 Atlas Antenna account $80 Total Assets $80 Total Liabilities $90
13-27 Deposit Creation AssetsLiabilities University Bank Required Reserves$20 Excess Reserves$ 0 Loans$80 Your account $100 Campus Radio account$ 0 Total Assets $100 Total Liabilities $100 AssetsLiabilities Eternal Savings Required Reserves$29 Required Reserves$51 Loans$64 Atlas Antenna account$80 Hermans Hardware account$64 Total Assets $144 Total Liabilities $144
13-28 The Money Multiplier In a multi-bank system, loans created by one bank invariably end up as reserves in another bank, which can then lend their excess reserves This process can theoretically continue until all banks have zero excess reserves (no more loans can be made)
13-29 The Money Multiplier Money multiplier: The number of deposit (loan) dollars that the banking system can create from $1 of excess reserves
13-30 The Money Multiplier Required reserves represent leakage from the flow of money, since they cannot be used to create new loans Excess reserves can be used for new loans
13-31 The Money Multiplier Process Required reserves Excess reserves Leakage into The public
13-32 Excess Reserves as Lending Power Each bank may lend an amount equal to its excess reserves and no more The banking system can increase the volume of loans by the amount of excess reserves multiplied by the money multiplier
13-33 The Money Multiplier at Work
13-34 Banks and the Circular Flow Banks perform two essential functions for the macro economy: –Banks transfer money from savers to spenders by lending funds (reserves) held on deposit –The banking system creates additional money by making loans in excess of total reserves
13-35 Banks in the Circular Flow Loans Factor markets Product markets Business firms Consumers BANKS Saving Investment expenditures Sales receipts Wages, dividends, etc. Income Domestic consumption
13-36 Financing Injections Consumer saving is a leakage, but a substantial portion is deposited in banks Bank deposits can be used to make loans, returning purchasing power to the circular flow The banking system can create any desired level of money supply if allowed to expand or reduce loan activity at will
13-37 Constraints on Deposit Creation Four major constraints on deposit creation: –Deposits –Willingness to Lend –Willingness to Borrow –Regulation
13-38 When Banks Fail In the past, runs of depositors rushing to withdraw their funds created panics Banks closed, wiping out customer deposits, curtailing lending, and often pushing the economy into recession In the early part of the Great Depression over 9,000 banks failed
13-39 When Banks Fail FDIC and FSLIC were created by Congress to ensure depositors their money was safe and eliminate motivation for bank runs In 2008, the U.S. was hit with another banking crisis Hundreds of billions of government dollars were pumped into the banking system
13-40 Money and Banks End of Chapter 13 Copyright © 2010 by the McGraw-Hill Companies, Inc. All rights reserved. McGraw-Hill/Irwin
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The SeaWolves finished the regular season with a bang as they swept a doubleheader over the Bowie Baysox on Monday afternoon with identical 6-3 wins in both games.
The SeaWolves jumped ahead in the bottom of the first inning of game one when Brandon Douglas belted an opposite-field home run off of Tyler Wilson for a 1-0 lead.
The Baysox immediately responded in the second inning as Brandon Waring led off with a solo blast to left off of Erie starter Ramon Garcia tying the game.
Erie regained the lead in the third. James Robbins and Jamie Johnson each singled to start the inning and advanced to second and third a passed ball. A Douglas sacrifice fly to left scored Robbins for a 2-1 lead.
Wade Gaynor added to the Erie lead in the fourth when he belted a solo home run for his 13th of the season.
The 'Wolves continued to add to the lead in the fifth. Johnson singled and moved to second with two outs on a wild pitch. Ramon Cabrera singled off the wall in right, scoring Johnson for a 4-1 lead. Tyler Collins took flight with a two-run home run to right making ti 6-1.
Bowie would trim their deficit in the sixth inning as Niuman Romero got aboard with leadoff single and advanced to second on a fly out. Romero scored on a Waring single making it 6-2.
Erie turned it over to Melvin Mercedes in the seventh who gave up a leadoff home run to Luis Martinez before retiring the side to close out the game.
Garica (2-4) earned the win allowing two runs on seven hits with a walk and three strikeouts in six innings of work.
Bowie jumped ahead in the second game in the top of the first inning against Erie starter Tommy Collier who was making his Double-A debut. Niuman Romero doubled with one out and scored on a Josh Horton two-run homer making it 2-0.
Erie immediately responded in the bottom half of the first as Eugenio Suarez doubled with one out and came in to score on Daniel Fields single making it 2-1.
The 'Wolves took control in the second. Wade Gaynor led off with a walk and moved to third on a one-out Luis Castillo double. James Robbins singled home Gaynor, tying the game. Jamie Johnson lifted a sacrifice fly to left, scoring Castillo for a 3-2 lead. Erie loaded the bases and added a fourth run on an infield single off the bat of Tyler Collins.
Bowie cut the Erie lead in half in the third. With two outs, Josh Horton walked and moved to second on a Caleb Joseph single. Seth Loman singled home Horton making it 4-3.
The SeaWolves came right back in the bottom half of the third added to the lead. Marcus Lemon singled with one out and moved to second on a passed ball. Castillo doubled home Lemon for a 5-3 lead. Castillo scored on a Robbins double making it 6-3.
Collier (1-0) allowed three runs on six hits with a walk and two strikeouts in five innings earning the win.
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PCB not to appoint batting coach for India tour
Karachi: The Pakistan Cricket Board will not be appointing a batting coach for the national team for the upcoming tour to India.
A well-placed source told PTI that it has been decided to postpone the selection and announcement of a batting coach until after the Indian tour, which ends on January 7.
"The board will not be sending a batting coach to India and it has been decided to make the appointment for the South Africa tour that begins in third week of January," the source said.
A number of foreign and local aspirants, including former captains Inzamam-ul-Haq and Zaheer Abbas, have either submitted their CVs for the position or have publicly conveyed their interest
"The selection process for a batting coach is going to take time because we have received CVs of some very strong candidates even from abroad and within the country," the source said.
The biggest problem facing the board is that while the former greats of the country are interested in the job, they don`t have the required qualifications required by the board.
"Inzamam, Zaheer and Salim Malik might be greats but they are not qualified coaches," the source said.
He pointed out that in contrast most of the candidates from abroad met the eligibility rules.
The source said the decision has also been delayed since chairman, Zaka Ashraf, is not hasty while taking important decisions.
"He usually takes his time and this time the choice of candidates is varied," he added.
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Alibaba chief executive Jack Ma to step down
January 16, 2013 - 09:50 AMT
PanARMENIAN.Net - One of China's best-known businessmen, Jack Ma, will step down as chief executive of Alibaba, the hugely successful e-commerce firm he founded, according to BBC News.
In a letter to employees, Mr Ma said he would appoint a successor and act only as an executive chairman from May 10.
The move comes just days after Alibaba said it was breaking up its business into 25 different units that will be led by different executives.
Alibaba, founded in 1999, is one of the world's biggest online companies.
"I see that Alibaba's young people have better, more brilliant, dreams than mine, and they are more capable of building a future that belongs to them," Mr Ma said in the letter, adding that the decision had been a difficult one.
Alibaba Group is the parent company behind Alibaba.com, an online marketplace for small businesses, Taobao, a shopping site for consumers as well as Alipay, an online payment service.
China is the world's biggest internet market with more than 500 million users. The size of the market is expected to grow even further as more users in rural areas get access to the internet.
Alibaba, one of the early entrants in the market and one that has benefited tremendously from the boom, has said that it was restructuring its business to ensure that it continues to grow and dominate the market.
Analysts said that ensuring a smooth transition in the business model will be key to the next chief executive's success.
"The biggest challenge a new chief executive officer faces is making sure the new business units can effectively coordinate among themselves," said Yang Xiao, a Beijing-based analyst with research firm Analysys International.
"As they are supposed to be able to work independently, it remains to be seen how effective and authoritative the new CEO can be."
However, other analysts were of the opinion that despite stepping down as the boss, Mr Ma will continue to have a big say in the firm.
"Jack Ma may not be running the day-to-day activities... he will still have an influence in where the company should be headed," said Frederick Wong, executive director of Avant Capital Management (HK).
Top stories
The cracked surface formed 3 billion years ago and was buried by layers of sediment, which all became stratified rock.
Detailing a new Game Mode for Windows 10, Microsoft reveals that it's not only Windows 10 that's getting some performance enhancements.
The Anime Strike channel is available to U.S. Amazon Prime members for $4.99 per month after a seven-day free trial.
Until recently, smartphone aesthetics have been both defined and limited by their most dominant feature: the display.
Partner news
Latest news
Roman Polanski to preside at France's Cesar Awards He's currently working on "Based on a True Story," a psychological thriller penned by Olivier Assayas and starring Emmanuelle Seigner and Eva Green.
Irvine Welsh teases "Trainspotting 3" This year, the author published "The Blade Artist," which focuses on "Trainspotting" character Begbie.
Edward Snowden can apply for Russian passport next year: lawyer Snowden was given asylum in Russia after leaking classified information about U.S. spy operations.
Istanbul nightclub attacker says acted with direct orders from IS: report The gunman had initially been told to attack the area around the central Taksim square and said his instructions came from Raqqa.


text:
Swimmers of all ages and skill levels are encouraged to sign up to the annual Margaret River Ocean Swim.
Black Ink Workshop
Nicky Lefebvre Local artists Jaes Bidwell and Cory Wesley celebrated the launch of their latest project at Sugarman on Friday.
Celebrating Birak 2017
Ivy James Plenty of stories told through dance, music and song were shared at the Birak Festival on Saturday.
Proud Lions celebrate
Nicky Lefebvre The annual Lions Australia Day breakfast will be held at Gloucester Park next Thursday January 26.
Roasted Bean fire sale
Nicky Lefebvre A fundraiser this Friday aims to help Urban Bean casuals left shift-less after last week's fire.
Snake bite hospitalisation
A man has been hospitalised after a snake bite.
Counselling service to open
Nicky Lefebvre Local counsellor offers one-on-one and group discussion sessions from February.
Morries locks in 2017 jazz series
Morries has confirmed their popular jazz night series will continue this year featuring some of the region's brightest talents.
Vasse accused held in custody
Ivy James A second woman has come forward after a man from Vasse was arrested on charges of sexual assault, assault and deprivation of liberty.
Beaches get access boost
Nicky Lefebvre & Andrew Elstermann Local beaches have become a little more accessible this year with the addition of new equipment.


text:
Bbc now
Aubergine melts - dinner tonight, low calories and quick to-do, love a veggie dish every now and then!
Oriental salmon & broccoli traybake. Five ingredients is all you need to create this Asian-flavoured fish dish with healthy greens and fresh lemon.
The allure of abandoned Tube stations. Interesting little read, now I want to go and explore in the footsteps of Sherlock and John.
John should grow a moustache now Mary's dead.
Sage and onion stuffing perfect for stuffing balls or to stuff your turkey.
Basil Brush.
Shortcrust pastry- a baking basic you must now how to make. Good first pastry to make. Perfect for different tarts and pies. YUM
spaghetti carbonara- mix egg with 50 ml cream and 50g hard cheese, boil spaghetti , fry pancetta with garlic, turn off heat on spag and bacon, spoon spag into bacon pan and pour egg mix in mixing quickly - done
Lizard Peninsula The cliffs where smugglers once stashed their bounty are now home to a revitalised wealth of fauna and flora. (Matt Munro)
*shakes head slowly and tuts, trying desperately not to burst into laughter and ruin on-coming lecture* Sherlock...


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Soul of a Hunter (Love, Heart & Soul #5)
by Angela Verdenius
4.00 · 1 ratings · Published: Dec 11th, 2013 |
One savage night, and the rest of Sabra's life was spent with vengeance burning in her soul. She knew the killer, but who were the extra players in a growing mystery? One cold, bloody night, and he'd found her again. Given a second chance, could Cam convince her to exchange vengeance for love?
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