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Strip clubs, Penthouse Pets, a free VIP Card, Hopefully we got your attention. Exotic Dancer Magazine's 2006/2007 Adult Nightclubs Guide is now a double threat.
The new 2006/2007 edition is ED's most valuable Adult Nightclubs Guide ever-and not just because Penthouse Pet of the Year 2006 Jamie Lynn is on the front cover. It's because for the first time ever, Exotic Dancer's VIP Club Card, good for discounts at more than 750 strip clubs nationwide, is being given away for free inside every issue of the new Club Guide. In the past, the VIP Club Card sold separately for $89.
ED's VIP Club Card is good for free admission, half-price admission, a free drink and/or other special discounts at more than 750 topless and nude gentlemen's clubs in the United States, Canada and even overseas. Clubs that honor the VIP Club Card have a blue tag line at the bottom of their listing in the Guide-"Member of Exotic Dancer VIP Card Program"-and a text line indicating the special they offer. These clubs are also listed on the official ED Publications website, ExoticDancer.com.
For 16 years, Exotic Dancer Publications has produced the Annual Adult Nightclubs Guide, the definitive, full-color, printed guide containing over 2,300 detailed listings of adult nightclubs-strip clubs, if you will-in the U.S., Canada and across the world. These listings include the address, phone number, website, type of dancing (nude, topless, bikini), types of dances (stage, lap, couch) hours of operation, dancers per shift, clientele and much more.
"This year's Club Guide has a one-two punch that we know will be irresistible to adult nightclub aficionados," says ED's Associate Publisher and Editor-in-Chief Dave Manack. "First, every copy now includes a free Ed VIP Club Card which will save customers money at more than 750 clubs. And second, having Pet of the Year Jamie Lynn on the cover and a five-page story featuring shots of such Pets as Ashley Roberts, Charlie Laine and Melissa Jacobs-along with photos of several of the country's nine Penthouse Clubs, the fastest-growing adult nightclub chain in the country-makes this Adult Nightclubs Guide a must-have for any Penthouse or gentlemen's club connoisseurs."
ED Publications is the only national business magazine serving the multi-billion-dollar adult nightclub industry. Ed Publications currently produces three magazines: The Adult Nightclubs Guide, the Annual Industry Buyers Guide (which contains comprehensive listings on hundreds of companies and industry professionals who provide products and services to adult nightclubs and exotic entertainers) and the bimonthly Exotic Dancer Club Bulletin.
Ed Publications also produces the Annual Gentlemen's Club Owners Expo (to be held in 2006 this August 22-24 at Mandalay Bay in Las Vegas), the only national convention for the adult nightclub and feature entertainment industries. For more information on ordering a 2006/2007 Adult Nightclubs Guide, or for more information on Exotic Dancer Publications including the Annual Gentlemen's Club Owners Expo, visit ExoticDancer.com or call 1-800-2-EXOTIC.
P.S. Please email us back with your mailing address so we can mail you a complimentary copy of the new 2006/2007 Adult Nightclubs Guide & Free VIP Club Card.
News Rack: 2015 ED Expo
ED Expo Returns to NO
Katrina Jade GOTM
Marica Hase Official Site
CatalystCon Sessions, Speakers
World Bukkake Tour
Cum Swallowing Auditions
Venus Anniversary 20
BBWcon Takes Over Vegas
Freedom Acres Party
Porn Star by Herschel Savage
TexXxas Fan Event
Shawna Lenee Dogfart GOTM
Paradise Marketing New Website
GFE at Sheri's Ranch
Samantha Hayes Interview
Dead But Dreaming ~ Reviewer Rated
Dava Foxx Self-Booking
Gina Valentina's 1st IR
Submission of Emma Marx: Exposed ~ Reviewer Rated
BBWcon 2016
New Webcam Opportunity
NaughtyAllie Facelift
Nina Elle MiniView
Kahlista Stonem Available
Sanders, Trump Joint News Conference
Naughty Massage
Redefining the Status Quo
Jenevieve Hexxx at Trixie's
Ocean News from Lexi Love
Hard Squeezes
APAC and Sex Worker Rights
New From Rodney Moore
RNSU Radio Thurs March 24
New Girls
What We Signed Up For
The Directors
What is Consent?
Bee, Evans at Sexpo
New Gay News Site
Alana Evans on MTV
Sexpo Cosplay
Cruz Receives Porn Offer
Poking Around AVN 2016
Deadly Famous
Planet Venus
The Hedge Against Exploitation
Performers File Unpaid Wage Claims
Carnal Comedy at Sapphires
Kendra Sunderland at Sapphire NYC
Gentlemen's Club Live Feed
Leya Falcon at AFFLV
Morgan, Lindemulder Headline Exxxotica
Cindy Starfall Appearances
Priya in NYC
Tony Batman to Big Easy
Elizabeth Bentley Hits Circuit
Allie Haze in Columbus
Vivid NYC Nommed
Raven Bay at Exxxotica
Little Sassee Cassee in OK
Dee, Michaels in Alabama
Nikki Benz Headlines Ohio
Galaxy Stars to Exxxotica
Caribbean Playground Party
Throwback Expo Registration Rates!
Tanya Tate at Comic Con
Bridget the Midget at Vivid Houston
Ideal Image Supperclub Party
Angela Sommers in Houston
Starfall to Exxxotica
Prinzzess at Treasure Chest
Danica Dillon in Bath
Library Girl at Exxxotica
ED Awards Host Thea Vidale
National Porn Star Day
Strippers Ready for Baseball
Karaoke XXX Needs New Location
ED Expo to Big Easy
Layla Price at Foxxx Booth
Nikki Phoenix Party
Viva Las Vicki
Kendra Lust in Detroit
Starr Sisters in Houston
Nikki Phoenix Update
Vegas Heat Party
XBIZ Rooftop Party
Heaven & Hell Halloween Party
Farrah Abraham at Hustler Hollywood
Amber Lynn at Wasteland
Stripclub Microbrewery on CNN
Nikki Phoenix Karaoke XXX
Asianmodelpalooza 14
Nikki Phoenix Appearances
Clubs & Appearances Section Index


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Second Hope Inc
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Concho Valley Home for Girls, Inc.
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Bill and Irene ran the home back in the seventys was there in 1975 learned alot they were great folks god bless y'all and ty more »
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Pregnancy Help Center of Concho Valley, Inc.
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In a time where pro-life and pro-choice affiliates are treating each other as mortal enemies, this organization shines through... more »
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K-1 and K-2 participated in the school wide fundraiser to help with the recovery effort after Hurricane Katrina, as well as send money to help build a Pre-K in Ghana. The two classes sold chocolate lollipops and held a raffle.
Copyright 1999 - 2016 Wave Publishing Co. All Rights Reserved


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ODT Online
ODT /directory
A woman had to fight off an intruder who was attempting to
get into bed with her early yesterday, police say.
A man broke into her Baxter Place home in Rotorua about
The woman woke as he was getting into her bed and when she
realised he was not her partner, she yelled at him and then
punched him, police said.
He ran out of the house and she heard a vehicle start up.
The woman was left frightened but unharmed, police said.
The man was described as in his early 20s, with light
coloured skin, of a medium build and about 1.7m tall.
He was wearing dark framed reading glasses, dark coloured
tight fitting beanie, grey hoodie and blue jeans.
Police were also interested in a light coloured vehicle,
possibly a late 90s Toyota Corolla described as having round
lights at the front and dents in the back.
The vehicle was seen parked on Owhata Road from 6.15am and
driving on Baxter Place before the incident, police said.
Anyone with information about the incident was asked to
contact the Rotorua police on 07 348 0099 or Crimestoppers on
0800 555111.
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West Coast, Queenstown Times - Queenstown, Mountain Scene -
Queenstown, The Oamaru Mail - Oamaru, The
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Visual and Performing Arts Scholarship (VAPA)
The Visual and Performing Arts have a prestigious home at Cal Lutheran. Whether staging a play in our Blackbox Theatre, touring the world with our Wind Ensemble, or pushing the boundaries of conventional art, our students pursue artistic expression without limits.
Incoming freshman and transfer applicants with superior talent in the areas of Music, Theatre Arts, or Visual Art can apply and audition for a VAPA Scholarship prior to enrolling at Cal Lutheran. Music and Theatre Arts Scholarships can be awarded up to $30,000 and are renewable for subsequent years.
To apply for the VAPA Scholarship you must complete the application form and audition.
|November 1, 2015
|Deadline for students who are applying for Early Action admission
|January 1, 2016
|Deadline for students who are applying for Regular Decision admission
Deadline for all Transfer applicants
The application is not currently open.
All students applying for this scholarship must audition to be eligible. Before scheduling an audition you must apply for admission to California Lutheran University, or have started the process. The process for scheduling and completing auditions differs between performing arts (music and theatre) and visual arts (art). All auditions must be completed in November (Early Action applicants) or February (Regular Decision applicants and Transfer applicants).
|Saturday, Nov. 14, 2015
|Deadline to audition for students who are applying for Early Action admission
|Saturday, Feb. 6, 2016
|Deadline to audition for students who are applying for Regular Decision admission
Deadline to audition for all Transfer applicants
Performing Arts Scholarship Audition (Music and Theatre)
Created exclusively for theatre and music applicants, this will be an opportunity to audition and meet faculty and student members of the Cal Lutheran performing arts community. Detailed information about the performing arts audition day will be sent to you once your audition time is finalized. If you are unable to audition in person, other options will be available.
Please see the audition requirements for the music and theatre arts departments.
|8:30-9:00 am
|Check In
|9:00-3:15 pm
Visual Art Scholarship Audition (Art)
In person auditions are not required for the Visual Art Scholarship. For audition information, please visit the Art department website.
- Students may audition for scholarships within the Music, Theatre Arts, and Visual Art categories; however, if offered multiple VAPA scholarships, the student can only accept an award from one department and must decline all other offers.
- The VAPA Scholarship replaces (if higher) any academic scholarship, Presidential Scholarship, or CLU Guarantee Scholarship the student was awarded.
- Students cannot receive an Academic Scholarship (or Presidential Scholarship), the CLU Guarantee Scholarship, and the VAPA Scholarship at the same time.
- If a student is awarded an Academic Scholarship (or Presidential Scholarship), or CLU Guarantee scholarship prior to being determined eligible for the VAPA Scholarship, they will be given the option to choose one of the three scholarships they would like to use while attending Cal Lutheran.
- The student must retain the scholarship they choose at that time (Academic/Presidential/CLU Guarantee or VAPA Scholarship) and may not change their award decision after they begin attending Cal Lutheran.
- Students must meet annual eligibility requirements to maintain the VAPA scholarship.
For more information about the VAPA Scholarship, please contact the Office of Undergraduate Admission.


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Popular Gluten Free Recipes
If you have a gluten allergy, these healthy, gluten-free recipes are for you. From bagels and bread to cakes and tortillas, we offer delicious, gluten-free and healthy options that everyone will enjoy.
Roasted Vegetables and Chickpeas
Rich with vitamins and minerals, this savory side dish is packed with flavor, enhanced beautifully by the roasting process. Rosemary and garlic lend their aromatic essence, while a hearty blend of chickpeas, twin potatoes and carrots ensures that this vegetarian delight will satisfy. Rinse chickpeas well to remove excess salt.
From Better Homes and Gardens
Ham and Spinach Two-Cheese Pasta
This hearty yet healthy ham and pasta bake is served in individual ramekins so there's no need to fight over the biggest portion.
From Better Homes and Gardens
Gluten Free Greek Turkey Breast
Olives, feta cheese and a quick tzatziki sauce takes slow cooked turkey on a trip to Greece.
From Better Homes and Gardens
Gluten Free Peanut Butter Cookies
Who needs flour? Peanut butter, sugar and egg combine for a tender and tasty gluten-free dessert option.
From Better Homes and Gardens
Basil-Tomato Chicken Skillet
Yes, a gluten-free Italian dinner is possible! This basil-loaded chicken recipe won't have anyone dreaming about pasta or pizza.
From Better Homes and Gardens
Italian Chicken with Tomato Sauce
Rather than grabbing a jar of store-bought marinara, try this fresh tomato, mushroom and spinach blend instead.
From Better Homes and Gardens
Gluten-Free Mac and Cheese
Elevate boxed macaroni and cheese by adding extra cheddar and cream cheese, a handful or peas and a crunchy cracker topping.
From Family Circle
Baked Penne and Turkey Meatballs
From Family Circle
Gluten-Free Southwestern Pizza
From Family Circle
Vanilla Cake or Cupcakes
Not much says, "Celebrate!" more than a sprinkle-topped cupcake. This gluten-free recipe makes it possible for gluten-free dieters to partake in the tasty treats, too.
From Parents
Turkey Avocado Roll-Up
Opt for a corn tortilla over a wheat one and this turkey wrap is completely gluten-free!
From Parents
Gluten Free Pizza on Zucchini-Sage Crust
Cornmeal, shredded zucchini, egg and cheese recreate the taste and texture of classic pizza crust in this gluten-free recipe.
From Better Homes and Gardens
Gluten Free Spicy Kale Chips
Toss kale leaves with olive oil, salt and spices, then bake, for a nutritious twist on fried potato chips.
From Better Homes and Gardens
Gluten Free Lemon-Strawberry Cornmeal Scones
Breakfast baked goods without the wheat! These strawberry shortcake-inspired scones call for brown rice flour and cornmeal instead of all-purpose or wheat flour.
From Better Homes and Gardens
Gluten Free Homemade Pizza
Yes, you can enjoy pizza without the wheat! Just start with our foolproof gluten-free flour blend and top things off with a fresh marinara sauce and your favorite toppings.
From Better Homes and Gardens
Spanish-style Fried Chickpeas
Chickpeas dusted with cumin, paprika and salt turn into a poppable treat once they're roasted. Try these for a snack instead of greasy chips.
From Parents
Gluten-Free Blueberry-Lemon Donuts
A blend of flours and protein powder keep these gluten-free donuts as tender and tasty as traditional donuts. They're baked, not fried, so you don't have to feel guilty about indulging!
From Diabetic Living
Chocolate-Coconut Macaroons
Egg whites and sugar do magical things once you mix them! Meringue cookies are one of the most diet-friendly desserts around�this tasty chocolate-coconut dessert is perfect proof.
From Diabetic Living
Balsamic Rosemary Pork Loin with Roasted Potatoes
From National Pork Board
Pork Chops with Pear & Ginger Sauce
In this quick saute, vinegar and sugar are caramelized in the skillet, forming a deep, richly flavored base for the sauce. Ginger adds a spicy note that plays against the mild pork and pear.
From EatingWell
Chipotle-&-Orange Grilled Chicken
Chipotle peppers in adobo sauce contribute a rich smokiness to this quick orange-infused barbecue sauce.
From EatingWell
Steamed Mussels in Tomato Broth
With fresh mussels increasingly available at supermarket fish counters, you can easily make this bistro favorite at home.
From EatingWell
Spiced Turkey with Avocado-Grapefruit Relish
This fresh-tasting citrus relish will perk up even the most jaded appetite, and it goes well with chicken, fish or pork. Serve it with a simple salad of Boston lettuce, scallions and cilantro and whole-wheat Couscous.
From EatingWell
Top 25 Slides in Gluten Free Recipes
- Roasted Vegetables and Chickpeas
- Ham and Spinach Two-Cheese Pasta
- Gluten Free Greek Turkey Breast
- Gluten Free Peanut Butter Cookies
- Basil-Tomato Chicken Skillet
- Italian Chicken with Tomato Sauce
- Gluten-Free Mac and Cheese
- Gluten Free Cornmeal Blueberry Cookies
- Gluten Free Cornmeal Blueberry Cookies
- Baked Penne and Turkey Meatballs
- Gluten-Free Southwestern Pizza
- Vanilla Cake or Cupcakes
- Turkey Avocado Roll-Up
- Gluten Free Pizza on Zucchini-Sage Crust
- Gluten Free Spicy Kale Chips
- Gluten Free Lemon-Strawberry Cornmeal Scones
- Gluten Free Homemade Pizza
- Spanish-style Fried Chickpeas
- Gluten-Free Blueberry-Lemon Donuts
- Chocolate-Coconut Macaroons
- Balsamic Rosemary Pork Loin with Roasted Potatoes
- Pork Chops with Pear & Ginger Sauce
- Chipotle-&-Orange Grilled Chicken
- Steamed Mussels in Tomato Broth
- Spiced Turkey with Avocado-Grapefruit Relish
From: ___itemFrom___


text: The Product add-on extension is not working after updating. The customer fills in the required field but I don't get the information when the order is processed. I'm posting in as many places as possible because this is a huge embarrassment for my client who has to email again when they're already filled out the information. I've submitted a ticket but I've got someone really unhappy so I'm getting impatient. Love the product, just need some help.


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Manatees Dying Off Both Florida Coasts; Scientists Trying to Figure Out Why
Scientists have been working diligently to figure why manatees have started to die at an alarming rate lately.
While Red Tide -- which is basically blooms of poisonous algae called Karenia brevis that is deadly to fish and other sea life -- off the coast of southwest Florida has killed roughly 180 manatees, a mysterious ailment, unrelated to Red Tide, has been killing the sea cows on the East Coast as well.
According to scientists, the manatees that fall victim on the East Coast go into shock before drowning after eating a specific algae.
According to the Tampa Bay Times, more than 100 brown pelicans have also been found dead in the same general area since the start of the year. Scientists say the pelicans were found emaciated and filled with parasites.
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This newly discovered algae is the same that's been found in the Indian River Lagoon, tainting the water into a deep-brown color.
This brown bloom has taken out 31,000 acres of sea grass in the 156-mile-long lagoon the past two years.
But as it turns out, any sick manatees that have been found have not survived, making it tougher to examine the animals and pinpoint the exact problem.
While the cause of the west coast Red Tide has yet to be nailed down, the East Coast brown bloom is from a storm runoff of fertilizers, sewage, manure, and pet waste.
Kevin Baxter, spokesman for the state's Fish and Wildlife Research Institute in St. Petersburg, says the sudden change in diet may be the cause of the manatees dying in huge numbers all of a sudden -- particularly due to the manatees' eating large amounts of macroalgae.
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Sports Nutrition
Fish Oil & Omegas
Sexual Health
More Categories
Raw strength and explosive power is essential for competing in many sports including football, hockey, rugby, powerlifting and track and field events like shot put.
Serious athletes have a supplement plan that goes hand-in-hand with their workout routines. Here is a GNC shopping list for power training.
Overall Health and Fitness
This Vitapak® Program is specifically designed to enhance strength training. It includes GNC Mega Men® Sport, GNC's highest-potency sports multivitamin; GNC Pro Performance® AMP Amplified Creatine 189™, which has the power of 5g of creatine in two tablets and delivers 189% improved muscle creatine absorption†; Tribulus terrestris a powerful anabolic herbal ingredient; and a clinically studied anabolic primer to boost anabolic factors in the body. Save money by buying the GNC Pro Performance® AMP Strength Vitapak® Program versus buying each supplement individually.
Protein Power
The foundation of any serious bodybuilder's supplement list is a high-quality protein source. Serious power athletes add protein sources that provide muscle recovery potential both day and night.
Optimum Nutrition™ 100% Whey Gold Standard™ features whey protein isolates which are pure, muscle-building protein sources that are low in fat, cholesterol and lactose. This product is a great option for a post-workout recovery shake. Whey protein also provides your body with amino acids that move quickly through the digestive system to help your muscles recover after intense workouts.
Promote Muscle Mass
GNC Pro Performance® AMP Amplified Mass XXX™ is a formula designed to increase lean mass, weight, strength and stamina. For maximum results, take Amplified Mass XXX™ daily. On training days, take it immediately after exercise and on non-training days, take it first thing in the morning or between meals. This is a great product for power athletes trying to gain mass.
Night-Time Recovery
Time-released absorption of protein at night, when your body typically goes for hours without food, is beneficial for muscle recovery. To achieve this, add a casein protein blend such as GNC BEYOND RAW® Re-Feed to your supplement list. Re-Feed includes 10g of glutamine to support recovery along with essential aminos, vitamins, minerals and botanicals to fuel your muscles.
The Cellucor® C4® line delivers some of the most award-winning pre-workout formulas available. C4 50X™ provides 50% more explosive energy to power the most extreme workouts. It features creatine nitrate and patented TeaCor™ theacrine and XCELICOR™ caffeine. Take as directed about 20-30 minutes before you work out.
Each serving of Force Factor® Test X180™ contains Testofen® fenugreek extract and L-citrulline, a potent amino acid that boosts nitric oxide production. Test X180™ also includes ginseng, Tribulus terrestris, and cordyceps. Take as directed 30 minutes before workouts.
These statements have not been evaluated by the Food and Drug Administration. These products are not intended to diagnose, treat, cure, or prevent any disease.
†In a clinical study of 17 healthy young adults, muscle biopsy results revealed that GNC Pro Performance® AMP Amplified Creatine 189™ resulted in 189% greater muscle creatine uptake relative to benchmark amounts of ordinary creatine monohydrate powder.


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If I deactivate an acount on my ps3 system, we I be able to use the games I have downloaded on another users, or will it get rid of them too?
EDIT: I checked a bit deeper regarding this and yes, I was wrong regarding the deactivation of the account, still the same consequence as erasing the account, the games will be rendered unusable in the system(s) you deactivate your account from.
If by deactivate you mean that you're going to erase the account, then yes, every game you've got that was downloaded by that account will be disabled, that means you won't be able to use it any more since the "owner account" is not in your system any more.


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Marianne Williamson, an acclaimed author/lecturer, has published eight books, including A Return to Love and Everyday Grace, which have been #1 New York Times bestsellers. She edited Imagine: What America Could Be in the 21st Century, founded Project Angel Food, and co-founded the The Peace Alliance. She is also the author of The Gift of Change: Spiritual Guidance for a Radically New Life.
Marianne is perhaps most widely known for the following quote from her book A Return To Love, often misattributed to Nelson Mandela:
Our deepest fear is not that we are inadequate. Our deepest fear is that we are powerful beyond measure. It is our light, not our darkness, that most frightens us. We ask ourselves, who am I to be brilliant, gorgeous, talented, and fabulous?
Actually, who are you not to be?
You are a child of God. Your playing small doesn't serve the world. There's nothing enlightened about shrinking so that other people won't feel insecure around you.
We were born to make and manifest the glory of God that is within us. It's not just in some of us; it's in everyone. And as we let our own light shine, we unconsciously give other people permission to do the same. As we are liberated from our own fear, our presence automatically liberates others.


text: The Warehouse Band was formed by founding member Dick Stacey whom has a a very well known reputation for playing music and let alone he has been playing drums since he was 11 years old. Together Dick,Mike,Doug,& Danny drive out from the inside of themselves, great all out smashin rock n' roll, funk, soul,blues,and country music baby!!! The band is called Warehouse because of were the guys practice at, is a warehouse building and so from the rugged building of the warehouse, comes an all out smashin, rockin, soul driving and vibing full energetic band that surely gets the crowd twisting the night away and at the end of the show, they leave there crowds wanting more and more! They love playing together and making there audiences get up and dance there dancing shoes off!


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GREELEY, Colo. (November 16, 2012)--Firefighters in Colorado say a woman's belly button ring got caught in a pool drain cover.
The woman was floating on her stomach with her child in a wading pool when it happened.
Firefighters ended up having to drain the pool, while they worked to get her loose.
They managed to free the woman from the drain cover unhurt.


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Floral installation by Green & Bloom via Green & Bloom Blog, Photo by Feather & Stone Why not turn your flower decor at your wedding literally upside down and have a look at these stunning suspended floral installation ideas? I love the idea of taking blooms off the table and creating beautiful installations of foliage
Crown Of Flowers Bridal Inspiration
by Polka Dot Bride | Bridal Fashion, Bride, Flowers, Inspiration Shoot, Wedding Inspiration
What a beautiful shoot I have for you today – the beautiful layers of blooms and incredible wedding gowns combine to create an inspiration shoot, titled "Crown of Flowers". Softly textured floral hairpieces paired with couture gowns and wedding veils create a completely different look to the more usual wearing of flowers in a bride's
Blooms cascading down hair, bouquets spilling over with fresh greenery, this garden wedding inspiration shoot is the perfect reason to love the warmer weather and the blooms that come with it. Kylie Grace Photography teamed up with Kyla of Pride Models, hair and makeup artist Vesna Obradovic of Make-Up by Vesna and florist Ivy and
© Copyright Polka Dot Bride 2007 - 2016 • Terms of Use • Website Designed by Gigi & Lulu • Website Developed by Metrix Operations


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P&G Said to Seek Termination of Pringles Sale to Diamond
Procter & Gamble Co. has decided it will seek to terminate its sale of the Pringles snack business to Diamond Foods Inc., said three people with knowledge of the situation, following the accounting probe that ousted Diamond's chief executive officer.
P&G, which agreed in April 2011 to sell Pringles to Diamond for $1.5 billion, must now determine how to exit the deal and whether Diamond will resist the breakup, said one of the people, who declined to be identified because the matter is private. If the sale were to proceed, P&G shareholders would own a majority of Diamond's stock, which fell 37 percent yesterday.
Ending the agreement may leave P&G searching for a new buyer for Pringles, known for stackable chips in flavors from loaded baked potato in the U.S. to green seaweed in China. The snack business is growing, with scant private-label competition, said Ali Dibadj, an analyst at Sanford C. Bernstein & Co.
"It's an attractive category," Dibadj, who's based in New York, said in an interview. "There may be many buyers out there, both in snacks and in food."
P&G fell 0.3 percent to $63.88 at the close in New York. Diamond rose 1.7 percent to $23.52.
Diamond, which sells Emerald snack nuts, said Feb. 8 it was putting CEO Michael J. Mendes and its chief financial officer on leave, as well as restating earnings for the past two years, after the board found payments to walnut growers had been booked in the wrong periods.
'Very Disappointing'
P&G, based in Cincinnati, had previously said the sale depended on a favorable resolution of the probe. P&G finds the results "very disappointing," Paul Fox, a spokesman, said Feb. 8 in an interview. Pringles has attracted "considerable interest" from other potential buyers, he said.
"Our position has not changed from last night," Fox said in an e-mailed statement. "We are disappointed by Diamond's news and we need time to evaluate. In the meantime, we will keep all our options open."
A spokesman for Diamond had no immediate comment.
Divesting Pringles would get P&G, the world's largest consumer-products company, out of the food business. The company does sell pet food including the Iams and Eukanuba labels, along with Tide detergent, Crest toothpaste and Pampers diapers.
P&G's CEO, Robert McDonald, is looking overseas to grow the maker of Olay skin creams and Old Spice aftershave. The company said last month it expects about 37 percent of revenue to come from developing markets this year, compared with 35 percent in 2011. Last year, 59 percent of the company's $82.6 billion in sales came from outside North America, according to data compiled by Bloomberg.
Diamond, based in San Francisco, sells Kettle chips and Pop Secret microwave popcorn. Adding P&G's stackable Pringles chips would have boosted its global presence and more than tripled the size of its snack business.


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Monster RPG 2 is a fantasy quest that spans continents and worlds and lets you take a simple villager and develop her into a hero with the power to save her world. The next instalment in the classic Monster RPG series, Monster RPG 2 is a turn-based role-playing game with enough variety, plot twists, secrets, and scenery to keep even the old school players coming back for more. If you loved the 16-bit classics on old console systems, you'll love this game. If you've never heard of those games, you're in for a real treat!
Role Playing Goodness:
- Nineteen locations to discover and explore.
- Nine adventurers to add to the party, develop and lead.
- Turn-based combat against over ninety monster types.
- Eighteen spells for Magic Users and Clerics to cast (not including spells cast by monsters!)
- Enough swords, guns, potions, helmets, badges, keys, staves and armor to keep any adventurer stocked for life.
Playable in many languages: English, Dutch, French, German, Greek, Italian, Polish, Portuguese (Brazil), Portuguese (European), Russian and Spanish.
Try It
- Windows (26MB)
- Mac OS X (26MB)
- Linux 32 bit (23MB)
Buy It
Android/Android TV
PC/Mac/Linux/Raspberry Pi/Android
System Requirements
More Goodies
- Monster is part 1 of the Monster RPG series
- Desktop backgrounds by some of the game's artists
- Strategy Guide if you're stuck
- Wiki on our site
- IndieDB page for the game


text:
I have been using a 1TB Hitachi USB drive on Windows 7 for a couple months.
I want to transfer some files from my MacBook Pro to the hard drive.
I plug it in, I can see the directories, but I can't create files, directories or copy files to the drive.
When I right click and look at "get info", it says:
Sharing & Permissions: you can only read
How can I get my MacBook Pro to work with my Hitachi USB drive so I can copy files to it?


text:
Hello phd38 (or anybody else reading this)
Wordpress allows us to create subcategories nested inside categories for posts. But the Mediatagger plugin doesn't recognize that: it treats tags as categories (which is ok), bu it also treats subcategories as categories (which is not ok, since subcategories are nested inside categories).
For a client that I'm working with right now, that's a deal breaker. Which I'm trying to 'correct'. Is it possible to change Mediatagger code in anyway to address this? Would it be a simple thing to do?
My client is willing to pay for this customization, if that's necessary, of course.
To the best of my knowledge, Mediatagger is the best plugin around for this. But my client is worried with the excess of checkboxes (he would like more dropdown boxes instead).
I hope this can be solved soon, otherwise I'd have to hire a programmer just to deal with such a small (albeit important) thing.
Thanks in advance =]


text:
Holistic nutritionist and guilt-free goodie advocate Peggy Kotsopoulos is back with energy boosting recipes. The author of "Must Have Been Something I Ate" prepares savory quinoa bean burgers and calcium-packed tahini chocolate chip cookies – filled with flavor and nutrition.
Bean and quinoa burger
- 1 cup cooked black beans
- 1 cup cooked white kidney beans
- 1 tablespoon extra virgin olive oil
- 1 tablespoon ground chia seeds mixed with 3 tablespoons water
- 1/2 cup red onion, diced
- 1/3 cup fresh cilantro, steams removed and chopped
- 3 garlic cloves, minced
- 1 cup quinoa flakes (or 100 percent pure rolled oats)
- 1 cup cooked quinoa
- 1 tablespoon chili powder
- 1 1/2 teaspoons ground cumin
- 1/2 teaspoon salt
- 1/2 teaspoon fresh ground black pepper
Creamy chipotle sauce
- 1/2 cup goat cheese, softened
- 1 teaspoon adobo (from can of chipotles)
- 1/4 chipotle, finely chopped
- 1 tablespoon cilantro leaves, chopped
- 2 teaspoon yacon syrup
Cabbage slaw
- 2 cups shredded cabbage
- 1 tablespoon extra virgin olive oil
- 1 tablespoon apple cider vinegar
- 1/2 teaspoon cumin, ground
- Sea salt and pepper to taste
Baking Directions:
For burger:In a small bowl, mix chia with water until a let sit for a minute or two until a gel forms. In a food processor, add beans and puree until smooth. Then add chia mixture, cilantro, onion, oil, garlic, salt, chili powder, cumin, sea salt and pepper and pulse until combined. Mix in quinoa and quinoa flakes (or rolled oats) until the mixture is sticky and holds together. Divide mixture into four patties. Grease a grill pan with coconut oil and cook on high for about 8 minutes each side. For chipotle sauce:Add all ingredients into a bowl and mix until well combined. For cabbage slaw:Mix extra virgin olive oil, apple cider vinegar, cumin, sea salt and pepper until well combined then mix into slaw.
- 1 frozen banana
- 1 cup frozen strawberries
- 1 cup coconut milk
- 1 cup water
- 1 cup sunflower sprouts
- 1 tablespoon chia seeds
Baking Directions:
Add all ingredients into blender and blend! Serve immediately.
- 1 cup tahini (or almond butter)
- 1/2 teaspoon cinnamon
- 1/2 cup coconut sugar
- 2 tablespoon ground chia, mixed with 1/3 cup water
- 1 cup 100 percent rolled oats
- 1 cup coconut flakes, unsweetened
- 1/4 cup raisins
- 1/4 cup cacao nibs
- 1/4 cup chocolate chips
- 1/3 cup walnuts, chopped
- 1 pinch sea salt
Baking Directions:
Pre-heat oven to 350 degrees Fahrenheit. In a large bowl, mix tahini, chia mixture, cinnamon, coconut sugar and pinch of sea salt until well combined, then mix remaining ingredients. You might want to get in there with your hands to ensure it's well combined and dough-like consistency is formed. Roll into golf-size balls in your hands, then press flat on cookie sheet lined with parchment paper or greased with coconut oil. Smooth top and form into rounds. Bake until golden, about 20 minutes. Let cool completely before eating.


text:
Inspired by the 2005 paper "Do Economists Recognize an Opportunity Cost When They See One?", this 3-minute video presents a simple problem of identifying opportunity cost, albeit one on which most PhD economists in a survey performed worse than chance. The presenter blogs and creates YouTube videos and books about mathematics, logic and game theory.
Video and Audio Lectures
See our Guide to Finding Audio and Visual Materials.
Principles (General) 19 links
Principles of Macroeconomics 29 links
Principles of Microeconomics 29 links
Applied Economics 14 links
Maths for Economists 5 links
Statistics for Economists 13 links
Intermediate Microeconomics 8 links
Intermediate Macroeconomics 12 links
Agricultural Economics 1 link
Comparative Economic Systems 2 links
Development Economics 13 links
Econometrics 3 links
Economic Growth 4 links
Economic History 4 links
European Economics 4 links
Experimental Economics 6 links
Financial Economics 15 links
Game Theory 9 links
History of Economic Thought 7 links
Industrial Economics 4 links
International Economics 11 links
Law and Economics 2 links
Monetary Economics 1 link
Political Economy 8 links
Heterodox Economics 7 links
Socialist and Marxist Economics 3 links
Specific economies or countries 3 links
Other topics 9 links
Advanced Microeconomics 5 links
Advanced Applied Economics 3 links
Economic Theory 2 links
Latest Addition:
- 54363 reads


text:
Saatchi Gallery
Visitor Information
Hours & Directions
What's On
Gallery Introduction
Video Tours
Gallery Mess
Restaurant, Bar&Cafe
Gallery Partners
School Visits & Prize
Booking a School Visit
Education Room & Education Pack
Art Prize
School Projects & Workshops
Gallery Hire/Events
Talks & Workshops
Saatchi Magazine
Exhibitionism: The Rolling Stones
Exhibitionism: The Rolling Stones
Exhibitionism: The Rolling Stones
Exhibitionism: The Rolling Stones
Nobuko Tsuchiya
Other Resources
SELECTED WORKS BY Nobuko Tsuchiya
Nobuko Tsuchiya
..."quietly now"...
mixed media
60 x 64 x 28 cm
Nobuko Tsuchiya's assemblages are primitive inventions. Antennae, rags, plastic tubing, and an old pair of shoes stand in for the workings of hi-tech equipment, their functions as obscure as some of the objects which compose them
Nobuko Tsuchiya
Table Rabbit
mixed media
160 x 270 x 160 cm
It's this design element of Nobuko Tsuchiya's work which is most alluring. Each sculpture revels in its impoverished minimalism, almost zen-like its poetic accuracy, while at the same time alluding to an ancient and un-evolved Japanese Pop.
Nobuko Tsuchiya
Sister of Nike
mixed media
160 x 100 x 100 cm
Sister of Nike
could be a satellite dish,
Your Chair
an atomically fuelled cartoon prank, and
Table Rabbit
has something just a little too Hello Kittyâ"¢ about it.
Nobuko Tsuchiya
... with an asparagus pillow ...
mixed media
104.5 x 90 x 42 cm
Formed from spindly make-shift pipes and air ducts, there's something sinister underlying Nobuko Tsuchiya's Luddite cutesy-ness.
Nobuko Tsuchiya
Parking Fish Project
mixed media
77 x 36 x 43 cm
Haywire tubes feeding to and from dishes of mysterious liquid, 'electronic' connections held together with wooden clothes pegs, and vials suspended with bits of string: there's an overwhelming possibility that her experiments might explode at any moment.
Nobuko Tsuchiya
Your Chair
mixed media
50 x 176 x 50 cm
"Not everything is as it appears in my work, not everything is done on purpose. My decisions are made by using what you could call a different form of thinking, and are made to operate between harmony and discord, control and the lack of it. I always try to develop the conversation between the things in my work and myself. Maybe this sounds idiotic, but it is my honest feeling."
Nobuko Tsuchiya
They Jumped
mixed media
76 x 97 x 40 cm
Nobuko Tsuchiya "different form of thinking" and quietly dramatic feel for her materials result in works that are at once threatening and beguiling.
Nobuko Tsuchiya
... once upon a time ...
mixed media
74 x 70 x 46 cm
Each sculpture revels in its impoverished minimalism, almost zen-like its poetic accuracy, while at the same time alluding to an ancient and un-evolved Japanese Pop.
Modern and Contemporary artist and art - Nobuko Tsuchiya
- Public exhibitions 2004
Non Toccare la Donna Bianca
Fondazione Sandretto Re Rebaudengo, Turin
Brittania Works - Group Show
Ileana Tounta Contemporary Art Centre, Athens
Modern and contemporary artists and art; Nobuko Tsuchiya
- Picture perfect
From decadent painters to death-defying video-makers, Adrian Searle introduces
the undiscovered artists who will colour the future
Nobuko Tsuchiya (Japanese), 1972 - Featured artist works, exhibitions and biography
from Anthony Reynolds Gallery.
- Anthony Reynolds exhibits Nobuko Tsuchiya
Extensive collection of Nobuko Tsuchiya works including Freddie Freeloader
Catalogue, images, vita and contact details
Hier finden Sie Kunstwerke, Preise und Ausstellungen des Künstlers/ der KünstlerinNobuko Tsuchiyain Galerien weltweit.
Nobuko Tsuchiya Interviewed by Toyoko Ito
Saatchi Gallery
Hours & Directions
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© 2016 Saatchi Gallery. All rights reserved.


text:
|Extra lean ground beef
|1 Pound
|12 Ounce, quartered (peeled)
|3 Ounce
|Canned tomatoes
|6 Ounce
|1 Teaspoon
|2 Clove (10 gm) (peeled)
|4 Ounce, quartered (peeled)
|Serrano chilies
|Beef stock/Vegetable stock
|4 Cup (64 tbs)
|1 (fried tortilla)
|1⁄4 Teaspoon
|1 Dash
|Corn tortillas
|Cotija/Queso fresco
|12 Ounce
* Place meat, potatoes, ground beef and water in pot.
* Cover, cook over low medium heat for 20 minutes, until potatoes
are tender.
* Drain the juice and reserve.
* Mash the meat and potatoes together with a potato masher.
* Mix in ½ teaspoon of salt.
* In a blender, add reserved juice, canned tomatoes, ½
teaspoon of salt, garlic cloves, onions, serrano chiles, stock, tostada (to thicken sauce), pepper and cumin.
* Puree and transfer sauce into a saucepan.
* Simmer on low for 20 minutes.
* Dip tortilla into saucepan, carefully and quickly transfer onto a baking pan.
* Spoon 2 ounces of meat/potato filling onto the tortilla in an elongated manner.
* Roll the tortilla with the seam ending up at the bottom.
* Arrange rolls closely to one another.
* Repeat with each tortilla. Cover with more sauce.
* Place in an oven for 5-7 minutes at 375˚.
* Serve immediately.
* Sprinkle with crumbled cotija or queso fresco.
Makes 14 enchiladas. Sauce makes 4 ½ cups
Recipe Summary
Rate It
Nutrition Rank
Nutrition Facts
Serving size
Calories 270 Calories from Fat 93
% Daily Value*
Total Fat 10 g16.1%
Saturated Fat 6.1 g30.6%
Trans Fat 0.1 g
Cholesterol 37.2 mg12.4%
Sodium 737.2 mg30.7%
Total Carbohydrates 28 g9.2%
Dietary Fiber 1.9 g7.8%
Sugars 0.9 g
Protein 17 g34.2%
Vitamin A 5.3% Vitamin C 11.9%
Calcium 22.7% Iron 12.2%
*Based on a 2000 Calorie diet


text:
Instablogs are blogs which are instantly set up and networked within the Seeking Alpha community. Instablog posts are not selected, edited or screened by Seeking Alpha editors, in contrast to contributors' articles.
TIPZ Description
The PIMCO Broad U.S. TIPS Index Fund is an exchange-traded fund (ETF) that aims to capture the returns of The BofA Merrill Lynch US Inflation-Linked Treasury IndexSM. By tracking the index, the Fund aims to achieve, before fees and expenses, the real return (above inflation) and the diversification benefits inherent in this index. The Fund utilizes an optimized basket strategy, which may reduce bid-ask spreads and tighten the premium/discount to NAV over time.
See more details on sponsor's website
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Find the right ETFs for your portfolio: Visit Seeking Alpha's ETF Hub
- In Your Portfolio: Broad U.S. Bond ETFs, A Guide To U.S. Government Bond ETFs
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text:
Day time talk show host and Pantene brand ambassador, Queen Latifah, asked a few of her viewers what they loved about their natural hair, and… Read More
Beauty and Style editor Melanie Yvette Martin, sat down with Kimberly Elise, the star of Vh1's new hit show, Hit the Floor to chat about… Read More
With nearly 10,000 entries submitted on the day of the project's announcement, Beyonce has captivated the spirit of her fans'… Read More
We are not "old Black" nor "new Black" we are ALL Black.
EBONY.com Beauty and Style editor Melanie Yvette Martin brought along some of her favorite bloggers to confess their true feelings about the new "it"… Read More
It's been a long time coming, but there is nothing more exciting for me right now than to announce the launch of my new video… Read More
When I was approached with the opportunity to interview Rachel Jeantel back in October, my mind stopped for a second. It's one… Read More
Our fashion and beauty editors take you Behind the Design at New York Fashion Week to shed light on some of the industry's hottest Black… Read More
We are not "old Black" nor "new Black" we are ALL Black.
Vernon Reid Talks 30 Yrs of the Black Rock Coalition
Justin Adu Explains African Amedia
Beautifully Brown Grace Jones
Why Did Ben Carson Mock Police Brutality
Detroit's New Activist Generation


text: My posts are getting too many words that are orange and double underlined, and when moused over show an ad. They appear whether I publish via IE or Chrome. These "ad words" don't appear in "previews," and I don't see a plug-in that would be doing this. Norton Antivirus, and securi.net's scan found nothing. How can I get rid of these? You should see the words "videos," "Scott" and "Maybelline" highlighted on this page.


text:
Fuller Ford Inc900 W 8th St, Cincinnati, Ohio 45203
0% Recommend
1 Lifetime Review
Fuller Ford Inc Info
Learn about our award-winning Certified Dealer Program and claim this page.
Fuller Ford Inc
Learn about our award-winning Certified Dealer Program and claim this page.
Nearby Certified Dealers
322 Lifetime Reviews
358 Lifetime Reviews
"Liars Theives"
Sunday 11/8/15 6:30pm 2015 Ford Fusion (4500 miles purchased 5/2015) died and was unable to gain entry into the vehicle while visiting my sister in Mt Adams (Cincinnati OH). (drove from dayton ohio on Friday 11/6/15) Couldnt unlock car due to dead battery(2nd time since 7am 11/6/15)-called Ford roadside assistance to help 11/8-10:05 Roadside assistance sent a tow company from walton ky-didnt tow without entry bc of potential damage 11/9 12/14am-KY Auto Service in Erlanger/Elsmere Ky towed to Fuller Ford- 11/9/15 10:15am-spoke with Rob in service from Fuller Ford-infromed me that roadside did not advise me correctly and they would need keys to gain entry and start vehicle--11:20am-arranged to drop off keys at Abra collision on Webster Rd so parts person could pick them up while picking up parts-told that I would hear back later Monday 11/10-Todd (service manager) called and stated they would get around to looking at my vehicle on Weds (11/11) 11/11-Todd left message stating car was started and indicated 0 miles left-stated my car was "running on fumes" took 4 hours to charge battery and they cant figure out what is wrong because they need gas-called back after I left work and got a sales person because Steve (GM ) and Todd (service manager) were in a meetingstated they needed permission for gas to charge me-told them I had at least 60 miles left--sales person stated he wanted Todd to explain things 11/12-Todd called around 1pm -asked me if car died while i was driving it?????? Stated they didnt put gas in because they needed permission because they wanted to charge me the gas -told me it would only be about 5 or 10 bucks-stated car was brought with 0 miles-told them that couldnt be-they stated it was so-stated if they cant figure out what is wrong i need to come get it 11/13-stated car was fine and I needed to come get it-explained that it dies twice with a day in between where car wasnt driven so, I asked if they let it sit a day then try starting it and checking voltage-Todd stated they didnt stated i needed to come get it-told Todd I was not comfortable-something was wrong-Todd was frustrated and ALLOWED me to leave the car over the weekend to see if it had problems 11/16/15-called fuller around 10am-Robbie answered and radio to Todd asking how car started-Robbie stated Todd said car was running fine and they just wanted to do 1 final test-get a call back at 30minutes later from Todd stating "I have news-the battery failed" I said hmm-other guy said it started right up and was fine-Todd back tracked and miraculously figured out after 7 days the battery was bad-stated battery would be replaced and ready in early afternoon-call at 2 30 when I am 20min away-stating car would not be ready until 3 30pm-asked if they could deliver the car and meet me-Todd was rude and refused to allow me to speak with anyone else and said "WHAT DO YOU WANT ME TO DO..WE ARENT DELIVERING YOUR CAR" 11/16 5:20pm-called Fuller service-stated I was on my way AGAIN...asked if they could leave my keys in car so I could pick up incase late-stated fine 11/16/15 6:10-arrived at vehicle to check that vehicle was in ok condition-had 5$ and 39cents in middle console..untouched-looked in trunk which was unable to be accessed without key entry or battery charge (fuller ford reported it took 4 hours to charge) was ransacked-left an old license plate-spare tire lid was disheveled and easily opened-(i have never accessed or opened lid where spare tire is kept)screw driver was next to spare tire- two jackets were missing and my brand new duvet by jennifer lopez...gone-no forcible entry or dirty/damaged seats or anything resembling a break in. Saw an employee leaving dealership...parked 2 spaces from my vehicle-approached him and he identified himself as Steve the GM-I reported the missing items, disheveled trunk, and situation-asked if I should file a police report-told me not to--stated service may remove items if possibility of damage-also mentioned the possibility of tow truck being responsible 11/17/15-call from steve the GM, on voicemail, stating there was a good chance vehicle was probably broken into when it was dropped off on Monday morning at 12:14 am-stated cameras was incapable of showing any activity- 11/17/15-called tow company to figure out notes on vehicle and protocol -stated notes read "vehicle was dropped off at Fuller Ford, locked and will leave keys in drop box, if provided"-states it is company policy to lock when dropped off Steve Hayhow and Todd Schachleiter were completely unapologetic or empathetic to my situation that occurred on their lot-they are the epitome of scummy, sleazy car salesman. Sadly, the Ford dealership I purchased from speak volumes of Ford and are a phenomenal dealership. Fuller Ford is a joke and their company operates with ZERO ethical principal-they want to charge someone over 10 or 5 dollars in gas and hassle them and refuse to work on a vehicle and have theft occur on their lot and irresponsibly blame anyone else- If you are wanting to purchase from quality people who care about their customer and understand ethical business practices...STEER CLEAR OF FULLER FORD-service is a disorganized mess who I wholeheartedly believe stole my property from my vehicle and tried to blame the area they are located in and state their security system is inept. I plan to contact the newspaper, customer relations, social media and every other avenue to see that this dealership learns a lesson to take responsibility and doing what is right is how business is suppose to be conducted-ethics is just a word but a practice that they obviously have never heard of or dont understand the meaningMore
Employees dealt with
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text:
The ePedagogical Framework is an ICT pedagogical model, which aims to support the teacher in the use of ICT in education based in pedagogical reflections.
The framework is based on the idea of, that the purpose of education must be the starting point of all pedagogical reflections, followed by reflections on teaching's objective and content, and that one must, on the basis of these reflections, chose an overall form of teaching.
The three forms of teaching that are presented in the framework relates to an understanding of teaching as being when someone, is guided into something, through communication (Oettingen 2012), and the idea of the framework is, that the form of communication used in teaching can be either primarily monological, dialogical or polyphonic (consisting of several independent voices). The framework is inspired by M.M. Bakhtin's philosophy of language in this matter. The three forms of teaching are first described in my master thesis (Pasgaard 2009).
It is important to point out, that the three forms of teaching will often overlap each other and that they will rarely show up in their pure forms, but the idea is, that the various forms of teaching calls for the use of different types of digital tools.
In the following the monological, the dialogical and the polyphonic forms of teaching are presented, with ideas on which types of tools, that may best support them.
The monological form of teaching
In the monological form the aim is that the student acquires the knowledge and skills which the teacher believes are relevant. Teaching is, in the monological form, a matter of the teacher, as a representative for society and the subjects pre-existing knowledge, sharing this knowledge with the student, and learning consists in students' acquisition of knowledge. Communication within this form of teaching thus becomes monologic, and is completely controlled by the teacher's dominant voice.
Prior to the classroom teaching the teacher defines clear learning objectives, and chooses the subject matter, which is to be worked with and studied in class. The subject matter is selected in a way, so that it distributes the quantity of information to the student, which the teacher believes is relevant to him in relation to the given topic. Along with the teacher's instruction of the student, the subject matter's distribution of information is to ensure, that the student learns excactly, what the teacher has planned for him to learn.
After teaching the teacher will be able to compare the student 's learning outcomes with the learning objectives, that she had defined before the teaching begun.
Distributing tools are particularly relevant within the monological form, where the transfer of information from teacher to student is a key element. In relation to the evaluation of students' learning outcomes, tools for giving standardized tests are also relevant in this form of teaching.
The dialogical form of teaching
In the dialogical form of teaching, it is the aim that the pupil's inherent knowledge is developed in dialogue with the teacher's knowledge, in order to make the student able to solve authentic problems. In the dialogical form of teaching, the student is trying his own knowledge and experience against society's (existing) knowledge, and the teacher acts as a supervisor and guide in this process. Communication within this form of teaching thus becomes dialogical , and is controlled primarily by the student's own voice.
The teacher chooses a subject matter, which could make it possible for the student to experience what is relevant within the field, and to define and solve authentical tasks. In the learning situation, the student chooses to work with the parts of the subject matter, that he finds relevant, and he uses this part of the subject matter as a basis for solving the given tasks. If there is not enough help to get from the subject matter in relation to solving the tasks, he contacts the teacher, who will then act as a guide.
The student's learning outcome from a dialogical form of teaching can be tested through open, written assignments and simulations, where the student can show, that he can use his gained experience and knowledge in different contexts.
Especially tools which supports students' problem-oriented work are relevant within the dialogical form of teaching, where the student's own experience is the key element. Also simulations and advanced learning games can be relevant in this form of teaching.
The polyphonic form of teaching
In the polyphonic form of teaching, the aim is that students and the lecturer create a common understanding and knowledge through equal dialogue. The polyphonic form of teaching is based on the idea, that knowledge is created through an equal exchange of many different individuals ' experiences of the subject matter, and learning is seen as the student's participation in this mutual exchange of perspectives. Communication within this form of teaching thus becomes polyphonic (consisting of several independent voices), and is controlled by both teacher and students.
The teacher and students collaboratively select the subject matter, which is to be worked with and studied in class. They are equal in this process, and they share equal responsibility for producing new knowledge within the given field..
The student's learning outcome cannot easily be measured or tested within this form of teaching as is the case in the monological form of teaching, but others can subsequently test the validity of the knowledge produced in the community of practice, as this knowledge will contribute to the accumulated knowledge within the entire field.
Especially tools which supports collaboration and production of common knowledge are relevant within the polyphonic form of teaching, where equal collaboration is a key element.
Under the menu item Digital tools you can read a number of articles on various digital tools, which may support the three forms of teaching. The tools are described and classified from The ePedagogical Framework, and the articles provide inspiration on how the tools can be used within the different forms of teaching.


text:
Actor Kavan Smith Movies / Films:Red: Werewolf Hunter (2010)
Reviewed Movies Starring Kavan Smith
Red: Werewolf Hunter (2010)
Virginia "Red" Sullivan (Felicia Day, The Guild) is the leader of a group of werewolf hunters. The hunters safe guard the old pact between humans and the werewolves. This all goes crazy when a new breed…


text:
WATCH: Mila Kunis Got Wedding Bands on Etsy
Adorable! I couldn't love her more!
Read More »
Binge Watching TV Could Kill You
Watching too much TV increases risk of blood clots to lungs.
Read More »
Best Pre-Workout Snacks
What you should be eating before your workout and WHY.
Read More »
Instagram Account Documents Every Outfit Worn on "Sex & the City"
Need to follow, ASAP.
Read More »
M&M's Announce New Flavor
It's official! Coffee Nut is here to stay!
Read More »
WATCH: Epic Movie Dance Scene Edit to Justin Timberlake's "Can't Stop the Feeling"
It's certainly a good song to dance to!
Read More »
It's Finally Happened: Study Links Alcohol To Cancer
New study suggests drinking alcohol is linked to seven different types of cancer.
Read More »
WATCH: New "Walking Dead" Season 7 Trailer From Comic Con
Long live King Ezekiel!
Read More »
How To Get More Out of Your Workday
A few ways you can squeeze more into your 9 to 5.
Read More »
Construction Worker Hides Waldo Every Day For Kids At Hospital Next Door To Find
The world needs more people like this guy!!
Read More »


text:
May 8, 2014
Photos: 141
Christmas Drive Holiday
Holiday to Toowoon Bay (Central Coast), Bateman's Bay, Canberra and Albury.
Dec 30, 2013
Photos: 12
Oct 8, 2013
Photos: 16
Mandalas & Zentangles
Mandalas and zentangles I have drawn. Mandalas are drawn either using a Mandala Designer by Ravensburger or using templates and a tracing lightbox.
May 3, 2013
Photos: 30
Hybrid Projects
May 28, 2011
Photos: 15
Digiscrapping Pages
This is a collection of some of the digital scrapbooking pages that I've been working on. I haven't been working on them in order, I just do the photos that inspire me at the time.
Dec 10, 2008
Photos: 201
Favourite Photography
Oct 16, 2004
Photos: 32


text:
Visit our other Wisconsin Historical Society websites!
Refine or narrow your results by clicking any term in the gray boxes below.
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Community: Taycheedah
County: Fond du Lac
Historic Name:
Reference Number: 134601
Community: Eau Claire
County: Eau Claire
Historic Name: George Robertson Residence
Reference Number: 41690
Community: Appleton
County: Outagamie
Reference Number: 39090
Reference Number: 39091
Community: Springdale
County: Dane
Historic Name: Eric and Jerome Skindrud Farm - house
Reference Number: 4560
Reference Number: 39396
Reference Number: 39092
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Reference Number: 41708
Community: Columbus
County: Columbia
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Reference Number: 3514
Community: Milwaukee
County: Milwaukee
Historic Name: ADOLPH LAMPRECHT DUPLEX
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Reference Number: 39108
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Reference Number: 39093
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Reference Number: 119073
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County: Winnebago
Historic Name: St. Mary's Roman Catholic Church
Reference Number: 59141
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Reference Number: 104771
Community: Merrill
County: Lincoln
Historic Name: SCOTT MEMORIAL METHODIST CHURCH
Reference Number: 21858
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Double Wide, Baby
posted by August 30 at 15:16 PMon
Declarative Statement: The 1993 film Cliffhanger boasts the greatest trailer in the history of motion pictures.
Prove or disprove? (Feel free to show your work.)
Addendum #1: Can any classical music fans out there tell me the names of the songs used? I remember reading that they pieced together at least three.
Addendum #2: Why in the hell did they cut that ridiculously awesome final jump from the movie? Why?


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A Return To Romance
You can hear songs from this CD of classic romantic music on CBC radio and all The Jewel radio stations.
CRAIG NORRIS - CBC RADIO 89.1 "Effortless..and fantastic. That's how it sounds when Randy Lyght sings."
Jazz singer Randy Lyght possesses a rich, warm, expressive voice, and an engaging personality that captivates his audiences. Lyght sings with passion, and poignancy; confiding and intimate on ballads, and solidly swinging on uptempos.
Inspired by the great pop and jazz vocalists of the 30s, 40s, and 50s (including Nat "King" Cole, Frank Sinatra, and Tony Bennett), but with his own distinctive and contemporary sound, this consumate performer revitalizes the classic jazz and pop songbook.
Randy Lyght is currently working with his music director/pianist Andriy Tykhonov on some original compositions for an upcoming new release.
March 12th, 2016-I am proud to announce that I have been awarded my third FACTOR Grant. This one is for a complete album and will comprise of all original songs that I have written. Thank you to Rick Hutt at Cedartree Recording Studio and Andriy Tykhonov for your unwaivering support and friendship. Without either of you, this would not have been possible.


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I have 3 consoles from 3 different environments (houses) all with the same issue.
They didn't read discs.
I cleaned, re-lubed, replaced the belts in all of them
And they all read discs again.
Untill the lasers travel to far back on the rails,
They move so far back from the spindle that they
Can't see the next disc that goes in.
I have to open the console then the drive and push
The laser back down towards the spindle
Then it reads again.
So I think the lasers are good, but why do they travel so far back
And how do I fix this?
Philips Lite-on Question. Please Help
Started by Skeeterbite , Jul 24 2010 07:52 PM
2 replies to this topic
Posted 24 July 2010 - 07:52 PM
Posted 25 July 2010 - 06:02 PM
Put thin rubber spacers on the back of the drive rails but don't put to many because it will screw up the function and not read discs at all or freeze during gameplay. And I have experianced that liteon models 74x, 83x, and 83x v2 has this problem it seems to have been fixed on the 93x.
Posted 31 July 2010 - 08:35 PM
I use the smallest plastic zip tie I have. Put the locking tab down or the laser won't go back enough. Works great.
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text:
When I set the templates to show (both single and archive), upon saving the custom post type is turned into an advanced content type. The menu tab for Frontier Auto Template is no longer on that pod, either.
I haven't thoroughly debugged it yet, so I am not sure if there is a plugin conflict. This is such a specific action, it seems like something that is Pods-specific. Any ideas?


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I am traveling to Berlin next week to present a poster on a conference. Instead of bringing a poster cylinder with me on the plane, I was wondering if I could print the poster in Berlin just before going to the venue.
Sure you can! For example you can use mediafisch.de (only in German). You can upload the files from home and pick up the posters in Berlin. A2 poster costs between 7,50 and 5,99 EUR, A0 costs between 21,99 and 19,99 EUR (depends on quantity).
I think that's not your only option, there are many poster shops in Berlin and maybe you can find one near your hotel


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Grand Central Palace close up
Grand Central Place from along the terrace. This image must have been taken very early in the morning, before the throngs of crowds appeared
Band stand with surrounding audience and passing crowds
Band stand with child in foreground
The promenade.
This is one of six images in the collection of 28 that appears to be a copy of a printed item, hence poorer quality.
Copy of Lafayette print of the Machinery Hall with Coates Electrical display in the foreground
Boy and woman in foreground with France Hall and Palace of Industries in the background
The Palace Restaurant
Bridge over lake with elegant electrical lamps on view.
Panoramic view of the amusement area including the water chute.
Water chute tower from lake. In its day this was said to be the 'largest of its kind in the world'.
Copy of print showing general view of lake at the Irish International Exhibition, from the Art Gallery
Water chute tower with island on lake in foreground
Close up of water chute tower with the Shooting Jungle hall in the background
Close up of water chute tower
Print copy showing view of lake and Art Gallery
Boat full of people landing from the water chute. The Chivers Jam Hall and Oxo Hall are visible in the background.
Another view of boat landing on the water, taken through the bridge
Helter Skelter Lighthouse, alongside the Crystal Maze
Print copy of view of lake and Home Industries Halls
Canada Hall with newspaper kiosk in the foreground
View of Grand Central Palace along the Promenade
Night-time view of the bridge with electric lamps illuminated
Print copy of the double-domed entrance to the exhibition with carriages in the foreground
View of amusement area with Chivers Jam and Oxo Halls
Home Industries Hall
Close up of people landing in water chute boat, with onlooking crowds
Night-time illuminated view of the Grand Central Palace.


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Universal Athletic Club is 100% DEDICATED to helping you reach your fitness and health goals. Our friendly staff will get you started, keep you motivated and help you feel better than ever throughout the life of your membership!
Your membership includes a huge VALUE and everything
PLUS! You also receive...


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Weeds (2005–2012)
Episode List
Season 4
16 Jun. 2008Mother Thinks the Birds Are After Her
"Change" is the name of the game for everyone in the 4th Season Opener as the Botwin family, homeless since their beloved town of Majestic has burned down, hits the road in search of a new place to call home and of course, grow Weed. Their leaving is right on time, as relentless DEA Capt. Roy Till continues to hunt for whomever is responsible for the temporary grow house, now abandoned by Conrad and Heylia. With all the real players gone, everyone fingers Celia as the culprit, but she points to Nancy; the family heads to Del Mar, where Andy's grandmother lives, but no...
23 Jun. 2008Lady's a Charm
Celia tries to adjust to life on the inside; Nancy runs into trouble making her first border run; Silas finds a new place to start growing; Roy Till begins to believe Celia's story; an argument between Andy and Lenny reveals more family history, while Bubbie finds a way to make a revelation of her own.
30 Jun. 2008The Whole Blah Damn Thing
Nancy learns to traffic across the border, Bubbie wants to die, Shane talks to Grampa Lennie about it, Andy DOESN'T talk to his dad about it, Celia makes a deal to try to sell Nancy out, Doug gets confronted by the new City Council and there's an unplugging party.
7 Jul. 2008The Three Coolers
Nancy takes Andy on a mission after they spend a week sitting shiva.
14 Jul. 2008No Man Is Pudding
Nancy discovers that working retail isn't as mundane as she thought it would be, while Andy struggles to get home from the desert and Celia gets closer to the action.
21 Jul. 2008Excellent Treasures
Nancy sees something she shouldn't have when she follows a secret tunnel; Dean takes a new job and leaves Isabel to live with Celia; Doug falls for a vision of beauty on the beach.
28 Jul. 2008Yes I Can
Nancy, needing more cash, wants to get back into the selling game; Andy and Doug are determined to become "kinder and gentler" Coyotes; Lisa gives in to her attraction to Silas; Shane and Isabel stumble across some racy pictures that Judah took of Nancy when they were dating; Celia goes south of the border to buy her prescription drugs; Nancy gets very special treatment from Esteban after surprising him with a visit.
4 Aug. 2008I Am the Table
An impromptu lunch date for Nancy and Esteban ends in a hail of gunfire; Celia seems to have developed a dependency on Xanax; Silas tells Lisa what he grows, and Lisa offers him use of her shop as a cover; acting on advice from Cesar, Shane carries out a preemptive strike at his new school; Doug and Andy's Coyote business attracts some unwanted attention; as their dream date continues, Nancy learns more about Esteban's appetites and desires.
11 Aug. 2008Little Boats
Nancy and Esteban have scheduling problems. Celia has become addicted. Nancy catches Silas and Lisa. Andy catches Shane masturbating with photos of Nancy. Cue Nancy giving the boys an uncomfortable lecture. Mexicans celebrate "El Andy".
18 Aug. 2008The Love Circle Overlap
Celia's family and friends arrange an intervention for her. Nancy gets a migraine from finding out that there is *another* use for the tunnel. Mexicans find Maria. Shane tries a threesome with Harmony and Simone. Silas pines after Lisa.
25 Aug. 2008Head Cheese
Nancy scares Harmony & Simone away. Maria wants Doug to win her heart before letting him have sex with her. It won't be easy. Celia has problems in rehab. The Tunnel keeps upsetting Nancy. Silas and Lisa's improved cheese shop is a success.
8 Sep. 2008Till We Meet Again
Nancy makes a risky deal with Capt. Till. Celia has a revelation. Maria comes on to Andy, even though Doug may have her deported. Nancy wants to hear Esteban say "it". Shane secretly keeps hanging with Harmony and Simone.
15 Sep. 2008If You Work for a Living, Then Why Do You Kill Yourself Working?
Esteban is unwilling to kill Nancy just on basis of Shlatter's word. Nancy denies knowing Guillermo's boss. Lisa's ex-husband catches her and Silas in the act. Celia goes to Mexico to see her estranged daughter. Doug opens Andy's eyes.


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someone who you want to cuddle with
"wow look at that dog. it is a total smuppet"
by chinchilla123 May 27, 2009
Trending Now
Top Definition
A puppet with a long and oddly suggestively shaped nose, as well as a rather impudent and jutting plush rump. May be a portmanteu of smut and puppet.
Dave's Bro has an entire website dedicated to smuppets and their plush rumps.
by inkwellDried September 11, 2011


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Aracaju Things to Do
Sailing with the locals
Ilha de Santa Luiza is a place, where life of the local people is still as simple as it is used to be a long time ago... You can always ask somebody to go sailing or even fishing with him. An interesting experience!more
Go Surfing
What about surfing somewhere far away from masses of tourists? I found Ilha de Santa Luzia a perfect place. River Sergipe separates the city from the island which is accessible by boat from Aracaju.more
Sailing to Ilha de Goré
By the local road N°438 at 19 kilometers to the south of Aracaju is the small village of Mosqueiro, rent a small boat (30 reais round trip two persons) to sail the river Vaza Barras and Santa María to the Ilha de Goré (Goré Island), it isn't far, just 15 minutes by boat. With the low tide you can enjoy a cold beer beside the beach and some...more
Beach, the classic option never fails...
Almost the whole Atlantic coastline of Brasil is plenty of beautiful beaches, and Aracaju isn't an exception. White or golden sand, when you step the shore and looks to the north and after to the south, your sight will be lost in the inmensity of the sandline, in addition to this marvel, remember that here the summer lasts 365 days at year...more
Carnaval in advance...
The most spreaded tradition tell us that the paradigma of carnaval is in Rio de Janeiro, in february. But let me tell you that there are a previous check out test en january, where?... well, here, in Aracaju the second week of january.As far as I can see it should be an unforgettable experience, I regret a lot because I stayed too late in there, in...more
Central Market
In Central Market you can buy regional stuffs from food to handcrafts. You can take advantage to have a lunch and avoid walk in the city during the most hot hours of the day.more
Aracaju Hotels
Radisson Aracaju
Bezerra de Menezes 40, Aracaju, State of Sergipe, 29055-180, Brazil
Satisfaction: Excellent
Good for: Solo
Celi Praia Hotel
This is the best option in town.... You might ask, how do I know, if I live here…..well even living...more
Hotel Pousada do Sol
43 Eng Francisco Manoel da Costa, Atalaia Beach, Aracaju, State of Sergipe, Brazil
Satisfaction: Excellent
Good for: Solo
Aracaju Restaurants
The finest choice
This restó is anexed to the Hotel Celi Praia, une haute cuisine expression, fine details and excelent service, dishes are a masterwork because the aesthetic but the delicious options. Fishes, meats, pastas, and an aristocratic wine selection. Of course you will pay for it, but is an experience that deserves the expenses. The sea view from his big...more
Informal, large, wide options
One of the most wellknown restaurants amid the locals, you can eat a great variety of main courses, from a single pizza to a strogonoff sirloin, passing by a grilled surubí and roasted shrimps. The place is very simple, large and clean, with an interesting offer of local beers (too light beer for my taste, but good enough). As far as I could taste...more
Where the locals met
Tables at the open air under a tipical roof, friendly ambiance full of families and some tourists, crabs are alive and you choose one or two for you, in a few minutes you get a delicious meal with hot sauces or soup of blues crabs. The place is rustical, but all the family of the owner is attending people, very kind and funny. Panela de...more
Aracaju tipical resto
The tipical local food, located on the same Av Oceanica than the Celi Praia Hotel (to the south, at six blocks more or less) tasty, hot, exotical meals, with the characteristic brazilian touch. Live music everynights, and a live music dancing room behind the main resto room. very cheap entrance fee, and a curious characteristic, smoking is...more
Go there for the beer
There's this brand new Bar/ Restaurant, called Ferrero Café. It features a very nice décor and it's very comfortable. I'm used to go there for the beer (ask their traditional Chopp, but never complain about the foam, it takes half the glass but it's awesome)…..but you can also go for the lunch or dinner.By the way, they serve international dishes...more
International cousine in Aracaju
Well, in my opinion this is one of the best restaurants here in Aracaju....They serve a kind of Italian/Franch food and the place is marvelous.....You can choose among a very extensive wine menu.The main point is that it's very cheap if you compare with European restaurants at the same level....You can't miss it if you are around!!! I like the...more
Aracaju Nightlife
A place to rock and roll
THE best place to go in town....People generally gets there by 11:00pm and the party always go till 4 or 5:00am.Besides the live music they still have a disco and a lounge on the second floor...Don't miss it.... Casual. I mean, there are no rules concerning clothes. It's ok if you go on your jeans and t-shirt.more
Forró nights, crazy nights
If you read my restaurant tip about Cariri you should have an idea about it, behind the main room of the restaurant there is a dancing, live music with very good local bands, almost exclusively forró style. The forró is a tipical music style of the northeast of Brasil, extremely sensual, both dancers very tightened, cheek to cheek and moving very...more
Before the real party
There are 2 major clubs (Tequila Café and Colisseo) here in Aracaju, the place you go for drinking and dancing. But before showing up in one of those places, we are used to stop by a bar and have some beers first. You can have both bottled beer and the one from the tap, which we call "Chopp".Chopp 13 is one of the places I would suggest for a stop...more
Aracaju Transportation
One of my greatest pleasures was the sailing of the river Santa María an Vaza Barras. Transportation from the small piers of Mosqueiro to Ilha de Goré and others are supported by powered canoes. You can rent it for a round trip to your destination for 30 reais or less (about 12 dollars) for two persons. Practical service with the invaluable bonus...more
The (right) choice of my company for my air transportation to Aracajú was Varig, almost the national airline of Brasil. From Buenos Aires to Río de Janeiro or Sao Paulo and later a transfer to Aracajú. A long flight indeed (Brasil is really gigantic) but the services onboard were fine and the fleet is modern and safe. Varig has flights to/from all...more
Aracaju Hotels20 Hotels in Aracaju
2 Reviews
Aracaju Local Customs
La Feira de Aracaju
The locals have a sui generis flea market but... of meals and fruits. La Feira.
Here you can get absolutely everything, from cebu or pork meat to wild fruits from the jungle, passing by sea and river fishes and crustaceous, tisanas for illness as stomach, hart or spells, love included.
The crowd, the sounds, and aromas are extraordinaries. At all, you can eat some foods including. Cheap, exotical, stunning.
Just take a taxi and say "A la feira por favor"
That's all you need.Related to:
- Budget Travel
Aracaju Favorites
Atalaia Beach
Favorite thing: Aracaju is a very good and bautiful city.
There are some beaches and a very good places for you take a regional foods, like Crabs, shrimps,fishies, and some "shells" like "lambreta", "sururu".
Try to "carne de sol"Related to:
- Family Travel
Instant Answers: Aracaju
Get an instant answer from local experts and frequent travelers
- Great room rates
- Mirante Das Aguas Aracaju
- Orbitz.com
- Great room rates
- Pousada Aeroporto Aracaju
- Priceline
Sponsored Links


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Screen Actors Guild Awards 2013: Red Carpet Arrivals
Peggy Truong
| January 27, 2013 - 8:21 pm
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text:
Apr. 6, 2015, 4:21 PM
- The TD Ameritrade Investor Movement Index edged up to 4.75 in March from a two-year low of 4.70 in February, suggesting clients are just slightly more optimistic as the calendar turns to April than they were in February.
- Clients continued to buy the dip in energy (NYSEARCA:XLE) names like Exxon, Chesapeake Energy, and SeaDrill, while selling popular financial stocks (NYSEARCA:XLF) like Citigroup and AIG.
- The IMX has moved roughly inline with the S&P 500 (NYSEARCA:SPY) over the past three years, but there's been a clear divergence over the past six months, with the IMX trending decidedly lower while the market continues on to new highs.
- Source: TD Ameritrade Investor Movement Index
Apr. 2, 2015, 7:35 AM
- Expecting the S&P 500 (NYSEARCA:SPY) to gain only another 2% by year-end, and noting the index's pricey relative valuation, Goldman's David Kostin recommends investors instead by the Nasdaq 100 (NASDAQ:QQQ) - its expected earnings growth of 14% tops the S&P's 5%, but both indexes trade at similar P/Es.
- Breaking it down into sectors, Kostin recommends being Overweight information technology, energy (NYSEARCA:XLE), and telecom services (XTL, IYZ).
- Neutral: Health care (NYSEARCA:XLV), consumer discretionary (NYSEARCA:XLY), materials (NYSEARCA:XLB), and utilities (NYSEARCA:XLU).
- Underweight: Financials (NYSEARCA:XLF), consumer staples (NYSEARCA:XLP), and industrials (NYSEARCA:XLI).
Apr. 1, 2015, 4:33 PM
- Looking for some kind of growth wherever they can find it, banks are about to get their wish as Fair Isaac is set to launch a new credit scoring metric which should expand by tens of millions the field of those eligible to get credit.
- The new score will pull payment histories for things like utilities to calculate credit scores for consumers who might otherwise not have one. Other things - like how often someone changes address - will be used to help calculate a score.
- FICO and 10 unnamed credit card issuers have been testing the new score since November, and Fair Isaac intends to roll things out nationwide by year-end. Right now, about 15M of the 53M previously unscorable Americans can be scored using the new system.
- Source: WSJ
- Among those of interest: WFC, C, BAC, JPM, COF, DFS, AXP
- ETFs: XLF, FAS, FAZ, UYG, KRE, VFH, KBE, IYF, IAT, SEF, IYG, FXO, FNCL, KBWB, QABA, FINU, KRU, RWW, KBWR, RYF, FINZ, KRS
Mar. 26, 2015, 4:37 PM
- The big banks have had a rough start to the year, but surging trading volume in bonds, currencies, and commodities in Q1 could make for pleasant surprises when the lenders report quarterly results next month, writes John Carney.
- The average daily trading volume across all U.S. bonds was up 10.6% Y/Y through the end of February, according to Sifma, with trading in corporate bonds up 18.1%, driven by a big rise in issuance. Trading in Fannie, Freddie, and Ginnie MBS was up 35.3% from a year ago.
- Goldman Sachs (NYSE:GS) could be a particular beneficiary, as about 25% of its revenue is generated by FICC, and Credit Suisse sees the bank posting its first year-over-year increase in that unit's revenue since 2009.
- Others of interest: Morgan Stanley (NYSE:MS), Bank of America (NYSE:BAC), Citigroup (NYSE:C), and JPMorgan (NYSE:JPM).
- ETFs: XLF, FAS, FAZ, UYG, VFH, IYF, IAI, SEF, IYG, FXO, FNCL, FINU, KCE, RWW, RYF, KBWC, FINZ
Mar. 24, 2015, 8:05 AM
- At least so far, this year is looking a lot like the last few years to those waiting for higher interest rates to boost spread income. Writing in the company annual report, MetLife (NYSE:MET) CEO Steven Kandarian says the insurer continues to expect a 10-year Treasury yield of 4-4.5% by year-end 2017, but the risk remains of a miss to the underside.
- If rates do stay low, says Kandarian, maintaining last year's 12% ROE over the long term would prove difficult. Investors, says Kandarian, should judge financial companies not on absolute ROE, but on the spread between ROE and 10-year yields.
- It makes sense, writes John Carney, but sounds like a warning signal on returns going forward, not just for MetLife, but its insurance peers and the banks.
- ETFs: XLF, FAS, FAZ, UYG, VFH, IYF, KIE, SEF, IYG, IAK, FXO, FNCL, FINU, RWW, RYF, KBWP, KBWI, FINZ
Mar. 20, 2015, 2:19 PM
- Financial Select Sector SPDR (NYSEARCA:XLF) announces quarterly distribution of $0.091.
- 30-Day Sec yield of 1.58% (as of 03/18/2015).
- Payable Mar 30; for shareholders of record Mar 24; ex-div Mar 20.
Mar. 19, 2015, 7:50 AM
- Citigroup (NYSE:C), Goldman Sachs (NYSE:GS), and UBS are among the large lenders facing millions in losses on energy loans made last year. The lenders intended to sell the paper, but have had difficulty doing so even after cutting prices.
- "We've been pretty shy about dipping back into energy names," says a loan-portfolio manager at DoubleLine, summing up the industry attitude.
- It's a sizable setback for Wall Street (not to mention energy companies whose financing has dried up), which has earned $31B in energy company-related fees over the last five years, according to Dealogic.
- Shades of the mortgage crisis? Not even close, say investors, as banks at the end of the housing bubble held hundreds of billions of dollars of souring mortgages and corporate paper on their books.
- Source: WSJ
- ETFs: XLF, FAS, FAZ, UYG, VFH, IYF, IAI, SEF, IYG, FXO, FNCL, FINU, KCE, RWW, RYF, KBWC, FINZ
Mar. 18, 2015, 2:41 PM
- The Dow and S&P 500 have each turned more than 1% higher following after the Fed cuts its projections for GDP growth, inflation, and the pace of rate hikes, but the country's yield-starved lenders don't join the party.
- The KBE is down 0.5% and the KRE by 0.9%.
- Bank of America (BAC -0.2%), Citigroup (C +0.1%), Regions Financial (RF -1.1%), KeyCorp (KEY -0.9%), First Niagara (FNFG -1.6%), U.S. Bancorp (USB +0.1%), PNC Financial (PNC +0.3%).
- Others gasping for a yield above zero: Schwab (SCHW -1.5%), E*Trade (ETFC +0.1%), Ameritrade (AMTD -0.5%).
- Previously: FOMC drops "patient," but sends dovish signal (March 18)
- Previously: Stocks stage sharp turnaround, yields dive following dovish Fed news (March 18)
- ETFs: XLF, FAS, FAZ, UYG, KRE, VFH, KBE, IYF, IAT, SEF, IYG, FXO, FNCL, KBWB, QABA, FINU, KRU, RWW, KBWR, RYF, FINZ, KRS
Mar. 17, 2015, 11:10 AM
- A possible harbinger of things to come next month when the big banks report Q1 earnings, profits at Jefferies plunged in FQ1 (ended Feb. 28), with FICC, capital markets, and investment banking particularly weak.
- Previously: Poor results at Jefferies sinks Leucadia (March 17)
- Jefferies parent Leucadia is lower by 3.7%. Goldman Sachs (GS -1.1%), Morgan Stanley (MS -0.9%), JPMorgan (JPM -1.2%), Citigroup (C -0.1%), Bank of America (BAC -0.8%).
- ETFs: XLF, FAS, FAZ, UYG, VFH, IYF, IAI, SEF, IYG, FXO, FNCL, FINU, KCE, RWW, RYF, KBWC, FINZ
Mar. 12, 2015, 7:37 AM
- "There is no system anywhere in the world as absurd as the regulatory system set up in the U.S. to control the banking industry," says an on-point Dick Bove, after the release of the CCAR results.
- The "basically nationalized" banks' balance sheets are now dictated by "hypothetical" situations created in the stress test, says Bove. "But it's not hypothetical if you force the banking companies to restructure their balance sheets to adjust to that hypothetical," he says, noting banks are now punished if they don't carry the proper mix of securities and loans in their portfolios - something that should be up to investors to do, not D.C.
- XLF +0.4% premarket
- ETFs: XLF, FAS, FAZ, UYG, KRE, VFH, KBE, IYF, IAT, IAI, SEF, IYG, FXO, FNCL, KBWB, QABA, FINU, KCE, KRU, RWW, KBWR, RYF, KBWC, FINZ, KRS
- CCAR coverage on Seeking Alpha
Mar. 11, 2015, 11:22 AM
- Last Thursday evening's stress test results were just the warm-up act for the CCAR decisions due today at 4:30 ET. While all 31 banks subjected to the extra scrutiny of the stress test passed, it doesn't mean the Fed will approve their capital return plans, and while some - Goldman Sachs, Zions, and Morgan Stanley - barely squeaked by, it doesn't mean the Fed won't approve their buyback and dividend proposals.
- After the CCAR results are released, expect most of the group of 31 to announce their capital return plans.
- For foreign lenders with U.S. units - Deutsche Bank and Santander come to mind - the Fed only has a say into what the subsidiary sends back to the parent, not what the parent ultimately returns to shareholders.
- ETFs: XLF, FAS, FAZ, UYG, KRE, VFH, KBE, IYF, IAT, IAI, SEF, IYG, FXO, FNCL, KBWB, QABA, FINU, KCE, KRU, RWW, KBWR, RYF, KBWC, FINZ, KRS
- Previously: Stress test roundup: How the lenders stack up vs. last year (March 5)
Mar. 9, 2015, 3:55 PM
- "The Fed has created a process that is prohibitively expensive for banks, produces little in the way of useful information for investors, and has almost no value in terms of public policy," writes Kroll Bond Rating's Chris Whalen of the just-concluded bank stress tests.
- "Measuring the ability of a bank to absorb loss via retained earnings and capital is a straight-forward exercise that the Fed has needlessly complicated to the point of irrelevance."
- Even for all of its complexity, the stress test fails to consider off-balance sheet vehicles, says Whalen, and these are what really caused the financial crisis. "No amount of capital can suffice to protect financial institutions and markets if the major banks are allowed to conceal liabilities via OBS transactions."
- Finally: "Who is managing the bank during the three months required to assemble a response to the Fed's stress test requirements?"
- Don't sugarcoat it Chris, tell us how you really feel.
- ETFs: XLF, FAS, FAZ, UYG, KRE, VFH, KBE, IYF, IAT, IAI, SEF, IYG, FXO, FNCL, KBWB, QABA, FINU, KCE, KRU, RWW, KBWR, RYF, KBWC, FINZ, KRS
Mar. 6, 2015, 9:46 AM
- A turnaround from the action earlier this year - financials (XLF +0.9%) are marching higher in early action as the averages slip, as nervous investors buy back in following the stress test results. Also helping are surging interest rates following the strong jobs number.
- Looking at a pretty broad screen of bank names, just two - Goldman Sachs and Zions, both of which barely passed the stress test - are lower. Among the others: Bank of America (BAC +3.7%), JPMorgan (JPM +1.1%), U.S. Bancorp (USB +1.6%), Regions FInancial (RF +2.3%), KeyCorp (KEY +2.7%), PNC Financial (PNC +2.3%), BB&T (BBT +2.4%), Fifth Third (FITB +2.2%), Comerica (CMA +3.8%), BNY Mellon (BK +2.9%).
- Among those starved for higher rates: MetLife (MET +3%), Prudential (PRU +3.3%), Lincoln National (LNC +4.1%), AIG (AIG +1.4%), Hartford (HIG +2%), E*Trade (ETFC +3.9%), Schwab (SCHW +4.4%), Ameritrade (AMTD +4.3%).
- Previously: Futures slip after jobs number as yields and dollar soar (March 6)
- ETFs: XLF, FAS, FAZ, UYG, KRE, VFH, KBE, IYF, KIE, IAT, IAI, SEF, IYG, IAK, FXO, FNCL, KBWB, QABA, FINU, KCE, KRU, RWW, KBWR, RYF, KBWP, KBWI, PSCF, KBWC, FINZ, KRS
Mar. 5, 2015, 4:33 PM
- Last year Zions Bancorp was the lone failure, but everyone receives a passing grade today. This is only step one. Next week are the CCAR results in which the Fed will either approve or disapprove of lenders' capital return plans, and passing the stress test is no guarantee of a green light for boosted dividends and buybacks - as Citigroup found in 2014. Those results are due after the close next Wednesday.
- Stress Test 2015 Methodology and Results
- ETFs: XLF, FAS, FAZ, UYG, KRE, VFH, KBE, IYF, IAT, IAI, SEF, IYG, FXO, FNCL, KBWB, QABA, FINU, KCE, KRU, RWW, KBWR, RYF, KBWC, FINZ, KRS
Mar. 5, 2015, 2:08 PM
- The financial sector (NYSEARCA:IYF) is far and away the leader in U.S. sector ETF outflows year-to-date, with $4.89B exiting, according to XTF.com. Not surprising, as the sector's been one of the poorer performers even after a nice rebound in February.
- The behavior contrasts with what's happening in energy (NYSEARCA:XLE), where bottom fishers have helped those ETFs see inflows of $2.97B - more than any other tracked sector in 2015.
- Also notable for outflows are industrials (NYSEARCA:XLI) and tech (NYSEARCA:IYW) - this despite market-beating returns so far this year.
- The other sector seeing sizable inflows is health care, with a net $2.74B coming in amid the strongest returns of all the major industries.
- ETFs: XLF, FAS, XLE, IYH, FAZ, XLK, XLV, VHT, XLI, ERX, VDE, OIH, VGT, UYG, ERY, DIG, CURE, VFH, TECL, DUG, IYE, IYW, FXH, VIS, RXL, ROM, IYF, FHLC, FTEC, TECS, FENY, SEF, PXJ, IYG, RYT, IYJ, FIDU, FXO, RYH, QTEC, IGM, FNCL, FXR, FXL, RYE, UXI, FXN, FINU, MTK, REW, RWW, RYF, RGI, DDG, SIJ, RXD, AIRR, FINZ
Mar. 5, 2015, 10:37 AM
- The FRBNY used to be the banking industry's big daddy, but that power has shifted to Washington, writes Jon Hilsenrath, where a little-known committee run by Fed governor Daniel Tarullo wields the big regulatory stick.
- Behind the move is a previously undisclosed 2010 paper known as the Triangle Document which put D.C. at the center of bank supervision, and the Fed there is making its presence felt.
- During internal debates on a number of issues - including Ciit's CCAR failure and JPMorgan's London Whale loss - New York Fed examiners have been challenged by those in D.C., and at times have been shut out of policy meetings, and subject to public criticism by Tarullo, reports Hilsenrath.
- The changes put FRBNY chief Bill Dudley in something of a vise - still open to criticism as it relates to bank oversight by Congressional gadflies like Elizabeth Warren, but maybe not really able to do anything about it. Publicly supportive of the new system, Dudley behind the scenes is working to restore his bank's reputation.
- ETFs: XLF, FAS, FAZ, UYG, VFH, IYF, SEF, IYG, FXO, FNCL, FINU, RWW, RYF, FINZ
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