text:
The Willow House
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- Continental Breakfast
- Free High-Speed Internet
- Restaurant
- Bar/lounge
- Free parking
- Pets allowed
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- Restaurant
- Bar/lounge
- Free High-Speed Internet
- Free parking
- Pets allowed
- Continental Breakfast
TripAdvisor Reviews The Willow House Watton
Travel Blogs from Watton
Day 5 and 6
... Mind you, it is very tempting as the shops are full of beautiful clothes. We also had lunch at another beautiful Pub called The Georgian. This morning was so mild we went or a long walk with Bindi. Simone took me on a path she had never been on before, so it was a real adventure not knowing where we were going. Along the muddy paths and across the ploughed up fields was certainly hard going, but made worthwhile finding blackberry bushes and stopping to indulge ...
Belmont Grange
... a factory shop. At school, the girls ran out and welcomed me with huge hugs and kisses. The drive home from school at 4pm is in the pitch black now, and takes at least 45 minutes. I don't know how Simone manages to do it every night. I actually managed to stay up until nearly 8.00 and was still up at my normal time of 5.30 the next morning. I always find it amazing that I don't suffer from jet-lag. The weather is very ...
Family here and there
... was my brother and he is dead. Something should be different. I will go on, as before, because I must. As we all do, and I will do my best to enjoy my trip because this is where I am supposed to be...for now. There are not many photos for this entry, but I know you will understand. The pictures I have in my head, of my visit with David and Pam, are of their lovely garden, still with so much colour, and ...
Family Reunion
... a lovely young couple from London who were spending six months travelling South America. We had promised to catch up once we were in London and this we did, meeting Chris and Zoe in the evening at Liverpool St Station. It was so nice to see them again on their home turf and we spent a great evening together, wandering through the old Spitalfields Market, imbibing at a typical East London pub where customers spilled out onto ...
Winston goes to University.
... limit and we are too tall. I ran in and asked the man "what do you do if you are in a motor home"? There is only one Park and Ride that we can park at and it's at Trumpington. He told me they have trouble with Travelers (Gypsies) and "free campers" so that's why the height restrictions.
Newmarket is a horse racing town, so lots of references to the horse racing industry. We decided to pass ...


text:
Judges 12:8-15New International Version (NIV)
Ibzan, Elon and Abdon
8 After him, Ibzan of Bethlehem led Israel. 9 He had thirty sons and thirty daughters. He gave his daughters away in marriage to those outside his clan, and for his sons he brought in thirty young women as wives from outside his clan. Ibzan led Israel seven years. 10 Then Ibzan died and was buried in Bethlehem.
11 After him, Elon the Zebulunite led Israel ten years. 12 Then Elon died and was buried in Aijalon in the land of Zebulun.
13 After him, Abdon son of Hillel, from Pirathon, led Israel. 14 He had forty sons and thirty grandsons, who rode on seventy donkeys. He led Israel eight years. 15 Then Abdon son of Hillel died and was buried at Pirathon in Ephraim, in the hill country of the Amalekites.
Cross references:
New International Version (NIV)
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subset: commoncrawl


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More Videos...
176mph in my Magnum SRT
Took alot of road, but I think I can get more.
Dodge Magnum R/T with an SLP Loudmouth 1
This is a video showing what my Magnum sounded like before and after I had an SLP Loudmouth 1 cat-back Exhaust system installed. Before it was installed there was only a K&N CAI on the car, but now there is a K&N CAI, an SLP LM1 system, a Jet 180 degree t-stat, and it has a 93 Octane CAI Predator tune.
2015 DODGE MAGNUM SRT 6.2-L HEMI HELLCAT Bigtruckseriesreview concept
It's time. Maybe I can buy a used Dodge Charger and build this?
How to make cheap replacement Dodge remote key fob program charger magnum
Made 2 brand new replacement keys. Threw away the old crappy one. Dealer wanted $200 per key. I only spend $70 total (parts and programming)


text:
Symantec Debuts Advanced Threat Protection Service
Symantec's new ATP technology is designed to uncover advanced threats across endpoints, networks and email.Symantec is expanding its security portfolio with the launch of Symantec Advanced Threat Protection (ATP) technology. ATP offers the promise of a console that has visibility into control points across an enterprise and is able to find the security threats that other technologies deployed by an enterprise might not discover, including potential zero-day issues. "Over the last few years, people have come to recognize that even with the best technology on the protection side, threats still get through," Amit Jasuja, senior vice president of products for enterprise security at Symantec, told eWEEK. Security operations center analysts spend a lot of time looking at different alerts from existing technologies, as well as reading through third-party threat intelligence data feeds, Jasuja said. Modern IT organizations tend to have myriad tools for detection and threat intelligence, as well as quarantine and remediation tools, he said. With the ATP product, Symantec is aiming to reduce the burden of requiring multiple tools to detect and remediate advanced threats. "ATP gives you the ability to uncover threats across different control points, and you don't have to look at three different tools to do it," Jasuja said.
Additionally, ATP prioritizes threats that come into an organization based on impact and what needs to be done for remediation, he explained.
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Is U Ventures incorrect or missing key business information? Update your Hotfrog listing today.
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Hotfrog Singapore provides information regarding U Ventures in Singapore. U Ventures is located at 151 Chin Swee Road 10-09 Manhattan House, Singapore 169876 and provides Accounting services. Contact them on (65) 6735 8135 or by visiting them on their website http://www.uventures.com.sg.
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Keep the young one sheltered from any intergalactic dust with this Spaceboy umbrella from Rex. A perfect size for him to hold during wet and windy weather (or his first trip into orbit).
Thank you for visiting Rex Spaceboy Umbrella, Blue on shoppingfind.co.uk
We bring the products from many websites to one website for you to search, save and compare.


text:
Currency Internationalisation: Analytical and Policy Issues
Interest in currency internationalisation among policy makers as well as the general public has intensified in recent years. One reason is a view that the global impact of the recent financial crisis has been intensified because of the dominant role of the US dollar in the international financial system. According to this view the system would be less prone to instability if international trade in goods and assets were denominated in a greater variety of currencies and if international reserve holdings were more diversified. Another reason is the perception that having an international currency is associated with significant benefits for the issuing national authorities. This raises the question whether there is a case for policy intervention by national authorities to promote the international use of their currency. This paper addresses this issue. It argues that authorities should not focus their primary attention on climbing the currency internationalization charts. Instead they should consider the pros and cons of policies and institutional changes that may pave the way for the private adoption of the currency in international transactions. The reason is that full internationalization of a currency will not come about unless a certain number of pre-requisites are met. Arguably the most important is that there be no restrictions on cross-border transfers of funds and no restrictions on third party use of the currency in contracts and settlements of trade in goods or assets, and no restriction on including assets denominated in the currency in private or official portfolios. In short, full internationalization of a currency requires full capital account liberalisation. Although there are gains from currency internationalisation, it is an open question whether public policy should attempt to promote it beyond establishing preconditions such as full capital account liberalisation, a deep and dynamic domestic financial market, a well-respected legal framework for contract enforcement, and stable and predictable macro and micro economic policies.
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|15 pages
|Date of creation:
|Oct 2009
|Contact details of provider:
| Postal: 55th Floor , Two International Finance Centre , 8 Finance Street , Central, Hong Kong
Phone: (852)2878 1978
Fax: (852)2878 7006
Web page: http://www.hkimr.org
More information through EDIRC
References listed on IDEAS
Please report citation or reference errors to , or , if you are the registered author of the cited work, log in to your RePEc Author Service profile, click on "citations" and make appropriate adjustments.:
- Chinn, Menzie & Frankel, Jeffrey, 2008.
"The Euro May over the Next 15 Years Surpass the Dollar as Leading International Currency,"
Working Paper Series
rwp08-016, Harvard University, John F. Kennedy School of Government.
- Menzie D. Chinn & Jeffrey A. Frankel, 2008. "The Euro May Over the Next 15 Years Surpass the Dollar as Leading International Currency," NBER Working Papers 13909, National Bureau of Economic Research, Inc.
- Barry Eichengreen, 2005. "Sterling's Past, Dollar's Future: Historical Perspectives on Reserve Currency Competition," NBER Working Papers 11336, National Bureau of Economic Research, Inc.
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More Videos...
Lexus IS300 Drifting
A modified Lexus IS300 drifting around a drift circuit.
MIR - Track Day - SRT IS300 Fastest Street Trim World Record Run 10.220@144mhp
Lexus IS300 making world records @ Maryland International Raceway Private Track Rental Swift Racing Technologies - www.swiftracing.com
Is300 Turbo Pulling E92 M3
M3 had Exhaust and tune. Ended up topping car out at a lol 143mph speed governed. That was a first, and came up quite fast.
IS300 Turbo 649rwhp / 600rwtq PT6765
649rwhp @ 28psi pump/C16 mix 557rwhp @ 22psi pump 463rwhp @ 15psi pump PT6765S .68a/r GTE shortblock Stock head Stock intake LS400 80mm TB 750cc E-manage Ultimate R154 tranny


text:
CERNunnous-tards i call you for more info...
|Anonymous Coward
User ID: 25427305
United States
Report Abusive Post
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I read this earlier and there is a lot of interesting info in the article. Yet I checked the original source of the article which was posted on 4/1/12 or April Fools" Day. Here is the original article which admitted to posting it on 4/1/12 as a joke. It is now a 404 error for me. You can also go to the Cern website and it says technical stop. So there is much confusion on this subject.
[link to www.categorists.com]
[link to espace.cern.ch (secure)]
Categorists | Not Qualified to Write Anything, So We Write About Everything
|Anonymous Coward
User ID: 29640100
United Kingdom
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I came to find this small article about how the CERN is somehow connected to the Demon God CERNUNNOUS. I need more info.. much appreciated.Quoting: ~THE IRANIAN~
[link to chatter.betaboard.net]
This has been updated with more info
[link to chatter.betaboard.net]


text:
As you explore the darkness, the Pokémon TCG: Black & White—Dark Explorersexpansion ushers in the return of the immensely powerful Darkrai-EX and a lineup of Darkness-type Pokémon, like Zoroark, Umbreon, and Sableye, to knock your opponent's lights out! Playing with Trainer cards like Dark Patch, included in the expansion to help give Darkness-type decks an edge you'll not only navigate the darkness, you'll rule it!
The fifth Pokémon TCG: Black & Whiteexpansion also continues an impressive run of featuring Unova and non-Unova region Pokémon-EX cards, more powerful Pokémon that deliver devastating attacks to your opponents. Darkrai-EX is joined by Tornadus-EX, Kyogre-EX, Raikou-EX, and Groudon-EX, all featured as Pokémon-EXcards and rare Ultra full-art Pokémon-EXcards!
Key features of the new Pokémon TCG:Black & White—Dark Explorers expansion includes:
Online Dispute Resolution http://ec.europa.eu/consumers/odr/
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text:
Jarmo Makkonen represents clients in insolvency, corporate restructuring and turnaround matters. He also advises on litigation assignments.
Additionally, he has noted expertise in mergers and acquisitions for small and medium-sized companies.
Makkonen regularly collaborates with regional venture capital investors by acting as their legal adviser in mergers and acquisitions and venture capital transactions. He also acts as an administrator in bankruptcy estates.
Prior to joining Krogerus, Makkonen worked as a lawyer for Finnvera Corporation, a financing company owned by the State of Finland, and for another law firm in Finland.


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13 homes for sale in Rhyl (Denbighshire)Did you mean?
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For Sale
East Parade, Rhyl, Denbighshire, LL18
Offering superb views, this site has detailed planning for 44 apartments, including parking for 21 vehicles.Rhyl is undergoing a significant regeneration and redevelopment, and has been the location for a number of successful apartment schemes over recent years.For...
2 Bedroom For Sale
Westfield Road, Rhyl, Denbighshire, LL18
A deceptive, immaculately presented two bedroom family home with loft room and separate one bedroom annex with modern high gloss kitchen and shower room. The property itself comprises of a modern kitchen/breakfast room with granite worktops, lounge, sitting room...
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Highfield Park, Rhyl, Denbighshire, LL18
Beresford Adams are pleased to market this well proportioned three bedroom semi detached house situated in a popular area of East Rhyl with good access to the promenade and local amenities and just a short walk into the local town centre. In brief the accommodation...
For Sale
Park Drive, Rhyl, Denbighshire, LL18
Offering ample living space for any family is this semi detached house with the benefit of gas central heating and double glazing. Accommodation comprises of lounge, dining room, modern kitchen, three bedrooms and family bathroom. Situated on a good size plot making...
For Sale
Wellington Road, Rhyl, Denbighshire, LL18
Priced to sell this three bedroom family home really is one to be viewed, the accommodation comprises of lounge, second reception room, dining room and kitchen to the ground floor, to the first floor you have three bedrooms and two shower rooms. Externally you have a...
For Sale
Balmoral Grove, Rhyl, Denbighshire, LL18
An opportunity for any landlords looking for an investment, this terraced property with no onward is being sold with a tenant in place. The property accommodation comprises of lounge, dining room, kitchen, ground floor shower room, three bedrooms to the first floor and
For Sale
The Mill House, Dyserth, Rhyl, LL18
Enjoying a particularly picturesque location, being at present a grassed area adjacent to the waterfall in the village of Dyserth, which formerly was occupied by the mill house. This development has outline planning for one detached house. The plot is located centrally
2 Bedroom Detached Mobile Home For Sale
Lyons Robin Hood, Rhyl, Denbighshire, LL18
30ft x 12ft 2 bedroom Double Glazing Gas Central HeatingThe Image Super has a spacious, open plan living area with a free standing three piece suite, contemporary furniture and sliding patio doors. The stylish kitchen has an integrated fridge freezer and the adjoining...
3 Bedroom Detached Mobile Home For Sale
Lyons Robin Hood, Rhyl, Denbighshire, LL18
38ft x 12ft 3 Bedroom Double Glazing Gas Central HeatingThe stunning open plan country-style kitchen is truly the heart of this home, with the striking range cooker acting as a real focal point. The lounge is wonderfully inviting, with comfortable seating, sumptuous...
2 Bedroom Detached Mobile Home For Sale
Rhyl Coast Road, Rhyl, Denbighshire, LL18
Atlas Debonair 45,99538ft x 12ft 2 or 3 bedrooms Double Glazing Gas Central HeatingThe Debonair is the quintessential farmhouse-style holiday home. The welcoming lounge with both a two and three-seater sofa features a signature recessed front bay. The rustic kitchen...
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Foster MO Real Estate & Homes for Sale
0 Properties Found
The median home value in Foster, MO is $35,300.
This is
lower than
the county median home value of $104,400.
The national median home value is $177,414.
The average price of homes sold in Foster, MO is $35,300.
Approximately 69.64% of Foster homes are owned,
compared to 10.71% rented, while
19.64% are vacant.
Foster real estate listings include condos, townhomes, and single family homes for sale.
Commercial properties are also available.
If you see a property you're interested in, contact a Foster real estate agent to arrange a tour today!
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Foster ZIPs64745 Homes for Sale


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Hotels in Gagliano del Capo, Italy
Search & Compare Gagliano del Capo Hotels
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Hotels in Gagliano del Capo
- Most bookedSanta Maria di Leuca Camping & WellnessNo Guest Reviews yet
8 people looked at this hotel in the last hour
- Agriturismo BaccoleNo Guest Reviews yet
8 people looked at this hotel in the last hour
8 people looked at this hotel in the last hour
6 people looked at this hotel in the last hour
Most recent review
"We stayed there for 3 nights and everything was excellent! Very clean and tidy, everything was available, the house is beautiful, people are very friendly. Great relaxation place, just perfect!"
A Traveller, Jun 2015, GB
5 people looked at this hotel in the last hour
Most recent review
"Leuca is not as touristic as other parts of Italy. No crowds, but also not a lot of people speak English. We appreciated the help from the hotel staff to get things sorted, especially arranging a little boat tour. It was awesome!"
A Traveller, Jul 2015, GB
- Pajara di FrancescaNo Guest Reviews yet
Hotels within 5 miles of Gagliano del Capo
35 people looked at this hotel in the last hour
Most recent review
"Parking must be a nightmare in high season but in October it was free on the main road and easy. There were only about 4 choices of places to eat around and very little for vegetarians who don't eat fish so I'm glad we only had one night. It was enough to walk round town, up stairs to view point ..."
A Traveller, Oct 2016, GB
30 people looked at this hotel in the last hour
Most recent review
"The resort it's beautiful and perfect ,the only thing that you shouldn't ask for the Wi-fi password and login they should give you with the keys ."
A Traveller, May 2016, GB
9 people looked at this hotel in the last hour
Most recent review
"Every thing about our stay was great .The reception was friendly and helpful . Unfortunately they had problems with the Internet so could only get access in reception area."
A Traveller, May 2016, GB
7 people looked at this hotel in the last hour
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You can compare all of our Gagliano del Capo hotel rooms including the major Gagliano del Capo hotel chains using our genuine Hotels.com guest reviews as well as TripAdvisor Gagliano del Capo hotel reviews to help find the perfect hotel room when booking your accommodation in Gagliano del Capo. We also feature Expedia Gagliano del Capo hotels and reviews.
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cartoon drawing from family picture
- Status Completed
- Budget $30 - $250 USD
- Total Bids 56
Project Description
I have a real picture that needs to be made into a cartoon. It is a family picture that will be needed for a banner and a normal size image on a website.
I will provide you with the sizes. I will need the original file.
The family consist out of 6 people. dad,mam,4 kids and the baby holds the teddy in her hand.
I will be able to provide you with an example
this is the idea .. but much better ... [url removed, login to view]
And on top of the banner/image I want the type of birthday flags with a text I will let you know ...
Please let me know if you are up for the job.Get free quotes for a project like this
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Advanced Search
The Mississippi State Board for Community and Junior Colleges (MSBCJC) has selected the Wimba Collaboration Suite to deploy throughout Mississippi, allowing students and educators to connect through online video, voice, text, application sharing, polling, and white boarding.
Cerego has taken its first step toward opening its iKnow! social learning platform, a technology from aimed at integrating collaboration and learning into Web-based content, with the launch of the iKnow! Developer Portal. It's designed to allow users to create mashups using iKnow! content and is aimed particularly at "education-focused social communities."
The University of Wisconsin-Madison has implemented DTN/Meteorlogix MxVision WeatherSentry Online Turf Edition for Sports and Recreation.
In its latest bid to keep Web developers in the fold, Microsoft has developed a tool designed to manage the setup, configuration and retrieval of different Web applications.
We are seeing trends in higher education, good and maybe otherwise, that reflect the re-structuring of knowledge systems that seem to come with a point in time we're calling Web 2.0. Educational leadership in this environment means reform at an institutional level, not just technology adoption.
The second annual Blog Action Day takes place today, bringing together 8,000-plus blog, podcast, and videocast sites to post about the same issue on the same day. This year's topic is poverty. The purpose of the effort is, according to organizers, "to create a discussion. We ask bloggers to take a single day out of their schedule and focus it on an important issue. By doing so on the same day, the blogging community effectively changes the conversation on the web and focuses audiences around the globe on that issue. Out of this discussion naturally flow actions, advice, ideas, plans, and empowerment."
A group of the nation's largest research libraries are collaborating to create a repository of their digital collections, including millions of books. These holdings will be archived and preserved in a single repository called the HathiTrust. Materials in the public domain will be available for reading online.
American University in Washington, DC has signed with media agency Realview TV to design, produce, and stream the school's online "Virtual Campus Experience." The video will showcase its students, faculty, and virtual campus on the Web via an interactive video-based micro site that's designed to match the school's brand.
To combat distance students dropping out before completion of their classes, American Sentinel University has implemented EducationDynamics' Adult, Online and Continuing Education Retention Program. This Web-based communications tool is designed to keep students connected to their instructors, peers, and institutional support services.
Our ontology about teaching and learning is no longer workable. It is time for a change from pedagogy to andragogy and evidence-based learning.
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Daniel Ng R007897F
Real Estate, Property Investment, Property For Sale
District 11 New Launch Launching Soon 9 & 11 Buckley Road ( Former Buckley Mansion)Another Luxurious and Prestigious Development by City Development LimitedFreehold Condo. 2bedroom/3bedroom/4bedroom1,141sf to 2,008sf Mins to Novena MRT, Near branded Schools like Italian Supplementary School, Anglo-chinese School (primary), St. Joseph's Institution Junior, Korean Church Kindergarten, Balestier Hill Primary School, Anglo-chinese School (junior), Chinese Unite International School, Farrer Park Primary School, Singapore Chinese Girls' Primary School, Singapore Chinese Girls' School, SJI International School,
Contact Developer's Sales Daniel Ng R007897F(65) 83883009[email protected]http://www.ngdaniel.com/projects/Buckley_Classique/index.aspxhttp://singaporenewlaunch.blogspot.comHuttons Asia Pte Ltd (L3008899K)
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freehold condo, near Boon Keng MRT, 1bedroom from $5xxK, 2bedroom from $8xxK
leasehold condo full facilties natural views quiet mins to mrt
freehold apartment high rental near mrt new 2bedroom
Freehold cluster homes ready soon near mrt near good schools
High Rental, Property Investment
Brand new, Property Investment, Low Quantum from $5xxK. Freehold and asset creation. Location Near Eunos MRT. Minutes travel to Suntec City, CBD areas. Potential rental yield....
Luxury New Cluster homes, quiet and nature view. Latest in Ponggol 21. Minutes to Marina Country Club...Transport near LRT to Ponggol MRT.. Strata Bungalows, Brand New.
Brand new, Property Investment, Low Quantum from $4xxK. Freehold and asset creation. Location Near Kallang MRT. Minutes travel to Suntec City, CBD areas. Potential rental yield....
Minutes Walk To East Coast Park, Minutes Drive To Proximity of Marina Bay Downtown, Sports Hub, Integrated Resorts, City and Airport, Easy Access To Major Expressway – ECP/PIE. High Capital Appreciation with superb Rental Yield, Low Risk Investment due to Small Quantum Megamalls (new upcoming Katong Mall sold previously for record $247.6M)/Parkway Parade/Katong Shopping Centre Top Schools – Tanjong Katong Primary/Secondary, Tao Nan School, CHIJ Katong Primary, Chung Cheng High/Chatworth/
Serangoon Ave 3 New Preview The Scala Mins to Lorong Chuan MRT 17th Storeys Exclusive Condo with 1/2/2+S/3/3+S/4 bedroom Sizes
$3xxK, $4xxK, $4xxK District 14 New Preview Geylang @ Centra Studios Freehold, Exclusive Development Units Mins to Aljunied MRT Choice
District 13 New Preview Freehold @Leicester Suites 15 Storeys with exclusive 47 units of 1bedroom and 1+Study Sizes from 420sqft
$4xxK, $4XXK, $4xxK. District 14 New Preview 50 Lorong 28 Geylang (Mins to Aljunied MRT) FREEHOLD Apartment @ La Brisa
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Jim, It doesn't seem she's had a chance to post them yet, but I'm sure they
are MUCH more beautiful than ny pics!
----- Original Message -----
From: "james singer" <email@example.com>
To: "Chat" <email@example.com>
Sent: Sunday, February 29, 2004 2:15 PM
Subject: [CHAT] Pictures
> I just sent Donna two pictures. One is the jewel orchid now that some
> of the buds are open [and, yes, Cathy, it is ludisia. I thought not,
> but then I discovered a label].
> The other is a Hoya that I bought at the Japanese Festival a Morikami
> Gardens yesterday. Like an idiot, I didn't ask the woman I bought it
> from for a species name. She only had two of these and the other was
> sold before I got there. So I bought this one, left it in her care
> while we wandered around, looked at all the bonsai, listened to a
> couple of Taiko drum concerts, and ate soba noodle concoctions. Anyway,
> when I went back to get the plant, I forgot to ask the woman for a
> complete ident.
> It does not look like any of the three or four different ones at Selby
> Gardens [as I remember; will check that out for sure next weekend]. It
> has a small tag that says "HP", which I take to mean Hoya p-something.
> The picture shows both flower buds and open flowers. The leaves are
> about 3" long by 2" wide. The vine is 1/2" thick [at least] and has
> those gripping little tendrils that adhere to unpainted and untreated
> wood.
> Island Jim
> Southwest Florida
> Zone 10
> ---------------------------------------------------------------------
> Support hort.net -- join the hort.net fund drive!
> http://www.hort.net/funds/
Support hort.net -- join the hort.net fund drive!


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- University of Valladolid
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Free Ticket Tuesday: Sander Kleinenberg at Sutra This Thursday
Catch Dutch producer Sander Kleinenberg at Sutra on Thursday, where he stops to promote his debut 5K, out today on his label This Is Recordings. His songs (called "the next level of electronic music") are described as "elegant," "entrancing," "energetic," with "airy dreamscape" thrown in there somewhere, and the album includes collaborations with Kraak & Smaak and Jon Fugler.
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Ed. Note-today we conclude a three-part series by our colleague Mary Shaddock Jones on occupational fraud.
This is the last installment of my three party series regarding Occupational Fraud. One can never lose focus on what I consider the key question as they enter or play within the international arena: What are the socio-economic and cultural risk factors that make companies and individuals conducting business in a particular location more vulnerable to possible corruption schemes? We cannot adequately address corruption unless we address both the "supply side" and the "demand side". Yesterday we considered the "Demand Side" of the equation. Today we will focus on the "Supply Side". If your company has a clear policy against corruption- why would your employees risk losing their jobs or worse, going to jail by violating these laws?
A side benefit to being married to a CPA and a Certified Fraud Examiner is the ability to read not only legal and compliance magazines on a monthly basis- but also the Journal of Accountancy and the publications from the ACFE society. I loved the August 2012 cover of the Journal of Accountancy- "Think Like a Thief"! There were three very pointed articles contained in this publication: (1) Fraudsters Reveal Weaknesses They Exploited; (2) Detecting a Criminal Mind Before It Strikes; and (3) Antifraud Controls Can Benefit Small Businesses. In addition to this publication, I will be examining some of the conclusions recently published in the "Report to the Nations on Occupational Fraud and Abuse- 2012 Global Fraud Study" which is recognized as the authoritative annual national report on fraud
Considering the "Supply Side" of the Equation:
The fraud triangle is a model for explaining the factors that cause someone to commit occupational fraud. It consists of three components which, together, lead to fraudulent behavior: (1) Pressure; (2) Opportunity and (3) Rationalization.
Pressure- According to the ACFE, the first leg of the fraud triangle represents "pressure". This is what motivates the crime in the first place. The individual has some financial problem that he/she is unable to solve through legitimate means, so he or she begins to consider committing an illegal act, such as stealing cash or falsifying a financial problem, or entering into an improper payment (perhaps thinking of the bonus he or she will get if they land a lucrative contract for their employer) as a way to solve their problem. The 2012 ACFE report concluded that "Most fraudsters exhibit behavioral traits that can serve as warning signs of their actions. These red flags — such as living beyond one's means or exhibiting excessive control issues — generally will not be identified by traditional internal controls. Managers, employees and auditors should be educated on these common behavioral patterns and encouraged to consider them — particularly when noted in tandem with other anomalies — to help identify patterns that might indicate fraudulent activity." The report found that "More than three-quarters of the frauds in our study were committed by individuals in six departments: accounting, operations, sales, executive/upper management, customer service and purchasing.
Opportunity- The second leg in the fraud triangle is perceived as "opportunity", which defines the method by which the crime can be committed. The person must see some way the he or she can use (or abuse) their position of trust to solve their financial problem with a low perceived risk of getting caught.
Rationalization- The third leg of the fraud triangle is "rationalization". According to the ACFE, the vast majority of fraudsters are first time offenders with no criminal past; they do not view themselves as criminals. They see themselves as ordinary honest people who are caught in a bad set of circumstances. Consequently, the fraudster must justify the crime to himself in a way that makes in an acceptable of justifiable act". Again, according to the ACFE, the most common rationalizations fraudsters use include a) I was only borrowing the money; b) I was entitled to the money; c) I had to steal to provide for my family; d) I was underpaid; my employer cheated me and e) My employer is dishonest to others and deserved to be fleeced.
As discussed in the first part of this series, Occupational Fraud is broader than just anti-corruption as it relates to the Foreign Corrupt Practices Act or the U.K. Bribery Act. However, the motivating factors and conclusions reached in the 2012 Global Fraud studies should be examined by companies when examining its overall anti-corruption risk profile.
I will end this series by listed two of the conclusions and recommendations contained within the 2012 Global Fraud Report which I believe are excellent advice:
"Targeted fraud awareness training for employees and managers is a critical component of a well-rounded program for preventing and detecting fraud. Not only are employee tips the most common way occupational fraud is detected, but our research shows organizations that have anti-fraud training programs for employees, managers and executives experience lower losses and shorter frauds than organizations without such programs in place. At a minimum, staff members should be educated regarding what actions constitute fraud, how fraud harms everyone in the organization and how to report questionable activity."
"Our research continues to show that small businesses are particularly vulnerable to fraud. These organizations typically have fewer resources than their larger counterparts, which often translates to fewer and less-effective anti-fraud controls. In addition, because they have fewer resources, the losses experienced by small businesses tend to have a greater impact than they would in larger organizations. Managers and owners of small businesses should focus their anti-fraud efforts on the most cost-effective control mechanisms, such as hotlines, employee education and setting a proper ethical tone within the organization. Additionally, assessing the specific fraud schemes that pose the greatest threat to the business can help identify those areas that merit additional investment in targeted anti-fraud controls."
What is your company's risk for corruption? When is the last time that you conducted a risk assessment for corruption? As yourself these questions:
Mary Shaddock Jones has practiced law for 25 years in Texas and Louisiana primarily in the international marine and oil service industries. She was the first woman to earn TRACE Anti-bribery Specialist Accreditation. Mrs. Jones has extensive experience in creating and designing compliance programs to reduce the risks of such violations, including policies and procedures, educational and training materials and programs, contract provisions and due diligence protocols. She implements and works with in-house counsel and compliance vendors to execute compliance policies and training programs tailored to the client's business structure and the market conditions in the client's target countries. She can be reached at 337-513-0897 or via e-mail at email@example.com. Her associate, Miller M. Flynt, assisted in the preparation of this series. He can be reached at email@example.com.
See more »
DISCLAIMER: Because of the generality of this update, the information provided herein may not be applicable in all situations and should not be acted upon without specific legal advice based on particular situations.
© Thomas Fox, Compliance Evangelist
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A button gives the user a way to trigger an immediate action.
Is this the right control?
A button lets the user initiate an immediate action, such as submitting a form.
Don't use a button when the action is to navigate to another page; use a link instead. See Hyperlinks for more info.
Exception: For wizard navigation, use buttons labeled "Back" and "Next". For other types of backwards navigation or navigation to an upper level, use a back button.
This example uses two buttons, Close all and Cancel, in a dialog in the Microsoft Edge browser.
Create a button
This example shows a button that responds to a click.
Create the button in XAML.
<Button Content="Submit" Click="SubmitButton_Click"/>
Or create the button in code.
Button submitButton = new Button();
submitButton.Content = "Submit";
submitButton.Click += SubmitButton_Click;
// Add the button to a parent container in the visual tree.
Handle the Click event.
private async void SubmitButton_Click(object sender, RoutedEventArgs e)
// Call app specific code to submit form. For example:
// form.Submit();
Windows.UI.Popups.MessageDialog messageDialog =
new Windows.UI.Popups.MessageDialog("Thank you for your submission.");
await messageDialog.ShowAsync();
Button interaction
When you tap a Button with a finger or stylus, or press a left mouse button while the pointer is over it, the button raises the Click event. If a button has keyboard focus, pressing the Enter key or the Spacebar key also raises the Click event.
You generally can't handle low-level PointerPressed events on a Button because it has the Click behavior instead. For more info, see Events and routed events overview.
You can change how a button raises the Click event by changing the ClickMode property. The default ClickMode value is Release. If ClickMode is Hover, the Click event can't be raised with the keyboard or touch.
Button content
Button is a ContentControl. Its XAML content property is Content, which enables a syntax like this for XAML:
<Button>A button's content</Button>. You can set any object as the button's content. If the content is a UIElement, it is rendered in the button. If the content is another type of object, its string representation is shown in the button.
Here, a StackPanel that contains an image of a banana and text is set as the content of a button.
<Button Click="Button_Click"
Height="100" Width="80">
<Image Source="Assets/Slices.png" Height="62"/>
<TextBlock Text="Orange" Foreground="White"
The button looks like this.
Create a repeat button
A RepeatButton is a button that raises Click events repeatedly from the time it's pressed until it's released. Set the Delay property to specify the time that the RepeatButton waits after it is pressed before it starts repeating the click action. Set the Interval property to specify the time between repetitions of the click action. Times for both properties are specified in milliseconds.
The following example shows two RepeatButton controls whose respective Click events are used to increase and decrease the value shown in a text block.
<RepeatButton Width="100" Delay="500" Interval="100" Click="Increase_Click">Increase</RepeatButton>
<RepeatButton Width="100" Delay="500" Interval="100" Click="Decrease_Click">Decrease</RepeatButton>
<TextBlock x:Name="clickTextBlock" Text="Number of Clicks:" />
private static int _clicks = 0;
private void Increase_Click(object sender, RoutedEventArgs e)
_clicks += 1;
clickTextBlock.Text = "Number of Clicks: " + _clicks;
private void Decrease_Click(object sender, RoutedEventArgs e)
if(_clicks > 0)
_clicks -= 1;
clickTextBlock.Text = "Number of Clicks: " + _clicks;
- Make sure the purpose and state of a button are clear to the user.
- Use a concise, specific, self-explanatory text that clearly describes the action that the button performs. Usually button text content is a single word, a verb.
When there are multiple buttons for the same decision (such as in a confirmation dialog), present the commit buttons in this order:
- OK/[Do it]/Yes
- [Don't do it]/No
- Cancel
(where [Do it] and [Don't do it] are specific responses to the main instruction.)
If the button's text content is dynamic, for example, it is localized, consider how the button will resize and what will happen to controls around it.
- For command buttons with text content, use a minimum button width.
- Avoid narrow, short, or tall command buttons with text content.
- Use the default font unless your brand guidelines tell you to use something different.
- For an action that needs to be available across multiple pages within your app, instead of duplicating a button on multiple pages, consider using a bottom app bar.
- Expose only one or two buttons to the user at a time, for example, Accept and Cancel. If you need to expose more actions to the user, consider using checkboxes or radio buttons from which the user can select actions, with a single command button to trigger those actions.
- Use the default command button to indicate the most common or recommended action.
- Consider customizing your buttons. A button's shape is rectangular by default, but you can customize the visuals that make up the button's appearance. A button's content is usually text—for example, Accept or Cancel—but you could replace the text with an icon, or use an icon plus text.
- Make sure that as the user interacts with a button, the button changes state and appearance to provide feedback to the user. Normal, pressed, and disabled are examples of button states.
- Trigger the button's action when the user taps or presses the button. Usually the action is triggered when the user releases the button, but you also can set a button's action to trigger when a finger first presses it.
- Don't use a command button to set state.
- Don't change button text while the app is running; for example, don't change the text of a button that says "Next" to "Continue".
- Don't swap the default submit, reset, and button styles.
- Don't put too much content inside a button. Make the content concise and easy to understand (nothing more than a picture and some text).
Back buttons
The back button is a system-provided UI element that enables backward navigation through either the back stack or navigation history of the user. You don't have to create your own back button, but you might have to do some work to enable a good backwards navigation experience. For more info, see History and backwards navigation
Get the sample code
- XAML UI basics sample
See all of the XAML controls in an interactive format.


text:
I once heard a comedy routine talking about "magic plywood" that folks use
to combat hurricane force winds. I wouldn't trust plywood too far. I've
seen what a tornado can do with it and trusting windows to it just doesn't
seem to be very safe. I'd be with you in opting for the shutters and I'm
sure even those have their limits.
Bonnie (SW OH - zone 5)
-----Original Message-----
From: email@example.com [mailto:email@example.com] On Behalf
Of james singer
Sent: Sunday, September 26, 2004 10:51 AM
To: firstname.lastname@example.com
Subject: Re: [CHAT] Jeanne
We don't have shutters, although that would be preferable to plywood.
Windows break in high wind, Donna, either because the wind bows them to
the breaking point or because the wind picks up an object and throws it
at them. This house has those now passe three-pane jalousie windows,
each 14 by 32 inches--too small to be bowed. And the windows on the
side of house that are in the prevailing direction of hurricane winds
on this side of the state [west and southwest], are fairly well
protected from flying objects by Jim's jungle. In fact, the brunt of
the storm falls mostly on the side of the garage, which had no windows.
We have no bay windows or sliding glass doors. I'm afraid if the winds
were strong enough to blow out the jalousie windows, plywood would not
help although shutters might.
On Sunday, September 26, 2004, at 10:07 AM, Donna wrote:
> 'look out the window'
> E_Gads-- where or where are your hurricane shutters!.. or at least
> plywood. Thinking you are the only person in the state of Florida with
> a
> viewable window this season.....
> Stay safe.... looks like you are going to be pounded for awhile.
> Donna
>> House across the street--the one with the Statue of Liberty in the
>> front yard--is loosing shingles from its roof. I went out and checked
>> ours a few minutes ago, and we are okay so far. Except Beans is
> yowling
>> to go out. I've told her that with gusts at 60 MPH she'd likely get
>> blown into Hardee county, but she doesn't believe me.
>> All of our pots and hanging baskets, which we set on the ground
>> yesterday, have not budged. I can't see any damage when I look out the
>> windows, although a lot of our trees, especially the schefflera and
> the
>> jatrophas are sure bending over in the gusts.
> ---------------------------------------------------------------------
> Support hort.net -- join the hort.net fund drive!
> http://www.hort.net/funds/
Island Jim
Southwest Florida
Zone 10a
Minimum 30 F [-1 C]
Support hort.net -- join the hort.net fund drive!
Support hort.net -- join the hort.net fund drive!


text:
Jon Hamm has hosted "Saturday Night Live" twice and guested on several episodes "30 Rock," and now he's getting what could be considered the ultimate stamp of pop-cultural approval: a guest spot on "The Simpsons."
The "Mad Men" star (and Mercedes pitchman) will lend his voice to an episode in the coming season, FOX confirms to Zap2it. He won't be taking part in a "Mad Men" parody — the show has already done that — but will be playing an FBI agent who's trying to nail Fat Tony (frequent guest voice Joe Mantegna) and uses Homer (Dan Castellaneta) as an informant.
"Jon's a gruff FBI man," executive producer Al Jean tells EW.com, which broke the news. "Homer asks if he can pick his undercover name, and finally Jon just says, 'Your name will be Nicky Blue Pants Altosaxophony.' Homer says, 'Do I get to keep the name when I'm done with it?' and Jon says, 'No, it's the property of the government.' He has no patience for Homer."
Jean also reports that Hamm was "really funny. And handsome" during his recording session, which is not exactly news.
Hamm's "Simpsons" episode doesn't have an airdate yet. He'll be back on the air as Don Draper when "Mad Men" begins its fourth season on Sunday (July 25).
Follow Zap2it and Zap2itRick on Twitter and Zap2it
on Facebook for the latest TV, movie and celebrity news.
credit: AMC


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Bumps and bruises are no match for these deluxe plasters. Ouch! Deluxe First Aid Comic Strips Plasters; quips like bam and pow will give you the strength you need to heal quickly. Practical and stylish tin holds 24 sticking plasters in a variety of shapes and sizes.
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Prices are updated periodically, the prices quoted here were correct at the time of last update.
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The 12 Panel Eco II All-In-One Drug Test Cup can be used for synchronal and qualitative detection of most of the drug metabolites found in human urine at particular cutoff levels. It supplies quick results with an easy to read visual panel immunoassay. Get results quickly and accurately with the Twelve Panel Eco II Drug Test Cup with K2!
First all in one cup with K2 included in the actual device!
Materials Included: 25 All in one cups, gloves, and security seals.
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*Note: For the most accurate and confirmed analytical results, it is recommended by the professional community to use our trusted Gas Chromatography/Mass Spectrometry (GC/MS) (link to product) as a confirmatory method. As with any drug testing method, please consult professional judgment and consideration for drug of abuse test results.
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text:
- Players
- 2
- Genre
- Board Game
- Release Date
3DS eShop
- 20th Mar 2014, £4.99/€5.99, 2,043 blocks (UK/EU)
- 20th Mar 2014, $7.99 (USA)
- Series
- Pure Chess
- Official Site
- purechess.com
About This Game
Pure Chess will include three stunning locations and three different sets of chess pieces to play with in a selection of different materials.
The game also features 10 different skill levels which are tuned at the high levels by a genuine chess Grandmaster. It also features 100 chess puzzles to scratch your head over, a single player tournament mode, three levels of difficulty, and online multiplayer.


text:
- Location:
- Elgin, IL, USA
- Price:
- Contact Seller
- Manufacturer:
- Electro Scientific Industries (ESI)
- Model:
Top Seller
Interested in this machine?
Verified Seller
- Condition:
- used
- Condition info:
- Refurbished
- Subcategory:
- Electronic test equipment
- Subcategory 2:
- Metrology and calibration standards
The ESI SR1010 Resistance Transfer Standard contains 12 equal value precision resistors connected in series by specially designed true 4-terminal junctions.
The SR1010 can be configured to provide three-decade values: 10R; 9 resistors in series - parallel, 1R; and 10 resistors in parallel, R/10.
Get email updates for Electro Scientific Industries (ESI) SR1010-100


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Demolition finished at Portobello – work starting
Friday, 14 October 2016
At our education centre, we offer unique hands-on marine experiences.
Immerse yourself in the marine world. Unfold the mysteries of how creatures live and survive in our local ocean.
Friday, 14 October 2016
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Tuesday, 5 July 2016


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Leela Chitnis News
Chandan Roy Sanyal: The story of my bell bottoms in school
Here's how Chandan drew attention from the girls by aping Shatrughan Sinha
Fashion and movies go hand in hand like camphor on fire in a festive celebration adorning every nook and corner in our motherland. By the way, 'motherland' reminds me of Bharat Kumar aka Mr Manoj Kumar, the eternal sunshine of the spotless Indian patriot. Click here to read more


text:
Faculty Experts
Emerson College's world-class faculty members are available to provide expert opinion, commentary, and analysis on a wide-range of topics related to the fields of communication and arts including blogs, television, theater, advertising, John Lennon, political philosophy, media ethics, autism, and Hollywood.
Faculty include critically acclaimed authors, editors, journalists, theater directors, filmmakers, screenwriters, broadcast historians, political commentators, communication disorder clinicians, sociologists, academics, and specialists in nearly every sphere of communication and arts imaginable.
Find faculty members who have expertise in your area of interest by browsing the list of faculty experts or contact Carole McFall, Director of Media Relations, at 617-824-8415 for assistance in finding experts.


text:
12 photos
$470,000 72.5 acres 5357 CR 746, Webster, FL 33597 - Sumter County
Great Central Florida Acreage
Very nice acreage in Webster offering three wells - (2) 6" wells and (1) 4" well, a pole barn, underground electric and a small pond. The main parcel is zoned A10C, the additional 6 parcels are zoned RR5C, so there is ample opportunity for single family homes and plenty of room for grazing animals. Sumter County Parcel numbers: T04=008, T04=063, T04=070, T04=071, T04=066, T04=067 and T04=019. 72.5 acres, m.o.l. All sold as a whole - no divisions. Property was farmed in the past, utilizing the 6" wells.
Reggie Caruthers Oxford Land Company


text:
Ankita tried all the mean tricks possible to get hitched to Dhruv, but nothing worked
Kehta Hai Dil Jee Le Zara showcases Saanchi (Sangeeta Ghosh) adjusting to her new family, environment and lifestyle. It's definitely not an easy task for Saanchi, 'coz her in-laws are out for her blood and she doesn't comprehend their world. Her only support system in the house is her husband.
Dhruv (Ruslaan Mumtaz) was engaged to Ankita (Hunar Ali) when he and Saanchi were on a break. However, Dhruv realised his mistake in time and married Saanchi. Ankita has been heartbroken broken and bitter and wanting to split the two lovebirds since then.
In the upcoming episodes, Ankita will come over for dinner at the Goels'; she will accidentally spill something on Dhurv's shirt. Dhruv will run to change his shirt and Ankita will follow him to his bedroom to apologise and will see him showing off his bare body. Ankita will try to get close to him and tease our hero.
Saanchi walks in and catches them flirting with each other. Dhruv and Ankita immediately distance themselves and DV starts justifying and giving an explanation. Ankita rejoices at seeing Saanchi's confusion and anger. When Dhruv starts apologising for his behaviour, Saanchi starts laughing. She tells them that she doesn't doubt her hubby since she loves him and trusts him whole-heartedly.
Guess Ankita just can't manage to divide the lovey dovey couple, yet. Who knows what she will do next?
Keep watching this space to find out more!


text:
Legendary Eleven Cities Tour winner Reinier Paping
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Eleven Cities Tour winner Reinier Paping
The 1963 Eleven Cities Tour is still the most infamous of all fifteen tours that have ever been organised. It was hellishly cold and just 69 out of 10,000 competitors reached the finish. Reinier Paping was the winner, with Jan Uitham and Jeen van den Berg following behind him. He won two tickets for the Deventer skating rink and a silver cigarette box.
The 1963 Eleven Cities Tour is still the most infamous of all fifteen tours that have ever been organised. It was hellishly cold and just 69 out of 10,000 competitors reached the finish. Reinier Paping was the winner, with Jan Uitham and Jeen van den Berg following behind him. He won two tickets for the Deventer skating rink and a silver cigarette box.
Long day
Reinier Paping had always been a good sportsman and had been trained as a gym teacher. He left Leeuwarden early in the morning and got away from the lead group. Eventually, after 10 hours and 59 minutes, he reached the finish 22 minutes ahead of the others.
A fair win
There was a small riot when video images showed that he had skated in the slipstream of local 'front runners' but the number 2 in the race said he had done it all by himself. Since that time the name of Reinier Paping will always be connected to this legendary ride, which covers 200 km of ice.
Discover Holland in every season
Holland is beautiful in all seasons. Find the best holiday tips for spring, summer, autumn and winter.Read more
Accommodation tips
View the wide range of hotels that you can book via Holland.com.Check availability
Best reviewed hotels in Amsterdam
Fantastic location, excellent service, friendly staff or great value for money.View this selection of top hotels in Amsterdam
Spend the night at a B&B and enjoy a unique experience in the best locations in Holland.Search now
More in this region
Holland's most famous dike.Read more
Figures and Facts: Eleven Cities Tour
The biggest ice-skating tour in the world. The first Elfstedentocht took place in 1909 and has been held 15 times in total.Read more
The history of the Eleven Cities Tour
Read more about the start of the unique Eleven Cities Tour.Read more
The world's largest steam-driven pumping station.Read more
Leeuwarden boasts over 600 monuments.Read more
Royal Eise Eisinga Planetarium
The oldest still-working planetarium in the world.Read more
Friesland offers a rich flora and fauna.Read more
Picturesque coastal village with unique traditions, historical sights and a seafaring past.Read more
The nature, water sports facilities and events make this area a unique place in the world and a true paradise.Read more
The official second language in the Netherlands.Read more
A beautiful collection of ceramic, tiles, pottery and ceramic sculpture housed in a luxurious 18th century palace.Read more
Ride along in the Eleven Cities Cycling Tour!Read more
The Frisian Nature Museum will put you to work - by the end of the day, you will know everything about the nature in the province of Friesland.Read more
Museum Dr8888 presents a vibrant collection of paints and artworks from the avant-garde De Stijl and Dada movements.Read more
Rent a boat or take a boat tour for a unique view of the oldest still-functional steam-powered pumping station in the world.Read more
Cycle right though water-rich Friesland and discover the world's oldest operational steam pumping station.Read more
Go North and discover Friesland's intriguing cultural heritage and art iconsRead more
Find out why this part of Friesland is a feast for boaters, cyclists, hikers and bird watchers.Read more
Stroll along the same sandy paths as farmers and monks did centuries ago in this natural landscape in eastern Friesland.Read more
The Eleven Cities Tour monument
A unique work of art to honour the competitors in the Eleven Cities Tour.Read more
Read more about the hardest Eleven Cities Tour ever.Read more
Leeuwarder Golfclub De Groene Ster
Planning a round of golf in Friesland? Then visit the Leeuwarder Golfclub De Groene Ster. This challenging golf course will put your golf skills to the test.Read more
Bird watchers will have a great time at the Lauwersmeer National Park with its unprecedented wealth of birds species.Read more
Schiermonnikoog has such special flora and fauna, that the whole of this Wadden Island is designated as a National Park.Read more
Visit 6000 hectares of heathland, shifting sands, Highland cattle, pine martens and the first butterfly reserve in the Netherlands.Read more
Come skating in winter and sailing summer on this beautiful Frisian lake.Read more
Friesland is a great recreational destination.Read more
Our recommendations for more Holland information
Beaches, flower-bulb fields and royal feasts: Holland celebrates spring outdoors!Read more
Undoubtedly one of the jewels of Europe, and not just because of the stunning 17th century canals. Go find out for yourself!Read more
Book your hotel in Holland well in advance. Check out the most popular places here.Read more
Holland is the ultimate destination for cycling thanks to its flat landscape, mild climate, short distances and wonderful infrastructure.Read more


text:
Mortgage REITs react to changing interest rates and spreads. Most mREITs obtain lofty yields through leverage. They borrow money at one rate and buy mortgage paper (MBS) at a higher rate, and make money off the spread (or difference) between the two rates multiplied by the amount of leverage used by mREITs. Because of this leverage, mREITs usually have far more debt than their market value.
Rising interest rates will largely reduce spreads and values. This is not always the case, but usually is for several reasons, including that a rate increase usually affects borrowing costs more than it raises required MBS payments. Each mREIT has a proprietary allocation of fixed and adjustable rate (ARM) mortgage securities. Changes in rates will affect the value of these securities and the spreads these REITs can make off of them. Other differences exist in portfolio composition, including agency backing or non-agency paper, and the rating/quality of non-agency paper, if any.
Recently, mREITs have faced the risk of a defaulting government (a low risk), defaulting mortgage holders (a higher risk) and higher interest rates (a seemingly inevitable risk), among several others. This has resulted in generally poor performance by most mREITs over the last several weeks. Many of these mREITs began depreciating prior to the broader recent market sell-off, and most mREITs had a very poor July.
As a result, several mREITs are now trading below book value even though most, but not all, were slightly above book value just a few weeks ago. Below are the current price to book values of seven mREITs [(NYSE:IVR), (NYSE:TWO), (NYSE:ANH), (NYSE:CMO), (NYSE:CIM), (NYSE:HTS), (NYSE:MFA)] that currently yield between a respectable 14.8% and a whopping 22.89%:
Several of these mREITs are now trading at more than a 10% discount to their book values. This may indicate that these values will come down, but such a significant discount to mortgage paper could also mean that a market over-reaction has hit the industry.
REITs must distribute at least 90% of their taxable income in order to eliminate the need to pay income tax at the corporate level. Under the current tax laws, REIT dividends are taxed as ordinary income, and not at the lower corporate dividend rate.
REITs are also well known for having secondary offerings, which could lower book value where the funds are not used to acquire productive, appreciating assets. Nonetheless, at the current prices, these mREITs are offering a higher yield option than almost any other equity or fixed income instrument out there.
Disclaimer: This article is intended to be informative and should not be construed as personalized advice as it does not take into account your specific situation or objectives. I am long CIM.


text: Winter, Go Away! Movies, Documentary Add review 0 Love It Save it 0 Add review 0 Love It Save it About Details Users say About The content on this page is provided by a Time Out partner. Graduates of a film school spend two months filming Russia's winter protests. Details Release details Duration: 79 mins Cast and crew Users say Share Tweet


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Pineapple Chiffon Pie
|3 Tablespoon
|Pineapple juice
|2 Cup (32 tbs)
|1 Cup (16 tbs)
|1⁄8 Teaspoon
|2 Cup (32 tbs), crushed
|Egg whites
|Pie shell
|9 Inch (Baked)
1 In a bowl, combine the cornstarch with a little pineapple juice, mixing until smooth.
2 In a saucepan, combine with the rest of the juice, 1/2 cup of the sugar and the salt.
3 Gradually cook over low heat, stirring constantly, until thick.
4 Stir in the pineapple and allow to cool.
5 In a bowl, beat the egg whites until stiff but not dry.
6 Gradually, beat in the remaining sugar.
7 Gently, fold into the pineapple mixture.
8 Fill the pie shell with the prepared mixture.
9 Allow to chill.
10 Cut and serve.
Recipe Summary
Rate It
Nutrition Rank
Nutrition Facts
Serving size: Complete recipe
Calories 1568 Calories from Fat 80
% Daily Value*
Total Fat 9 g13.8%
Saturated Fat 3.1 g15.3%
Trans Fat 0 g
Cholesterol 0 mg
Sodium 579.6 mg24.1%
Total Carbohydrates 365 g121.8%
Dietary Fiber 6.4 g25.6%
Sugars 283.1 g
Protein 17 g34.5%
Vitamin A 4.3% Vitamin C 627.9%
Calcium 12.2% Iron 17.5%
*Based on a 2000 Calorie diet


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Ramsey Vacation Packages
Many of Minneapolis - St. Paul's highlights can be found close to Ramsey, so it is a popular place to stay or visit on a day trip. The Ellingson Car Museum and the Bunker Beach Water Park are two of the best places to explore here. And don't miss the Albertville Premium Outlets and the Shoppes at Arbor Lakes.
Sports fans visiting Ramsey should get tickets for nearby National Sports Center, Blaine to see the Minnesota United FC playing visiting rivals. On game days the area around the stadium becomes a sea of gray and blue, as soccer fans flock together to support their beloved team.
When it's time to rest your weary feet after a day spent exploring the charms of Ramsey, check in to one of the area's many accommodation options. Whether you're staying for a night or a few weeks check out the amenities at the Cambria Suites Maple Grove, the Holiday Inn Express Hotel & Suites Rogers, and the popular Riverwood Inn And Conference Center, Otsego.
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Submit Content | Media Center | NCAA.COM
The Swarthmore swimmer learned she was awarded a Fulbright Scholarship shortly before graduating in May with degrees in chemistry and computer science. So, in August, she used the scholarship to move to India where she will spend nine months researching tuberculosis, hoping to find a simple, fast and non-invasive way to diagnose this global disease.
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Laura Barito is the 2011 NCAA Woman of the Year October 16, 2011 Laura Barito, a 22-time All-American in swimming and track, two-time NCAA national champion and mechanical engineering graduate of Stevens Institute of Technology, is the...


text: Posted May 22, 2002 Reading Ballet Alert, we get to learn of dancers we've never heard of before. The frustrating part is knowing that we'll never be able to see what others rave about! So, which of all the 20th century ballerinas listed above do you most regret not having seen? I'm assuming that you'd have gotten to see them at the height of their powers. The poll structure limits me to six choices, so I've had to leave out some very worthy candidates. But don't let that stop you. If your favorite isn't listed, tell us who she is and why you miss not having seen her. And even if you vote for one of the listed choices, tell us why. That's the fun part. My own choice isn't on the list: Tanaquil le Clerq. I chose her for several reasons. First, I've always been fascinated by the photos I've seen of her—she looks so elegant and witty. Second, the accounts of her dancing I've read have suggested that she had quite an individual character, unlike most dancers. Third, she had a big influence on Balanchine's ballerina style, and echoes of her dancing can, according to certain writers, still be seen in NYCB women today. And finally, there's the irresistible appeal of her tragic story. None of us will ever know what she would have been like in her maturity, but I would love to have been able to imagine, based on having seen her in her youth. So, whom do you pick? Share this post Link to post Share on other sites