text:
1. This Arsenal side look and act like winners again
Nothing is ever won in October, of course, and it is too early to talk about ending the trophy drought. But it is safe enough to say that this is the best Arsenal team for five years. They played well at points in 2010-11, when they beat Barcelona in a night not unlike this one; but this is their best run since 2007-08, when they were five points clear with 12 games left in the Premier League but blew the title. Their manager, Arsène Wenger, said last week they had more of the "quality and experience" that wins titles than at any point since 2005, and he might be right.
2. Özil's essential value shines in every transforming touch
Surely we are now far past the point where anyone would say Mesut Özil was a "luxury signing". Tonight he proved yet again that his impact on this team is two-fold. He is a technically brilliant individual footballer, as he showed with his breathtaking cushion-volley to put Arsenal ahead. But he is an even better team player, not just for assisting Olivier Giroud's goal, but for enhancing the qualities of those around him, catalysing his team-mates into something better and, like Eric Cantona 21 years ago, transforming his new side from one thing to another.
3. Wilshere may find himself edged into the wilderness
Wenger picked five midfielders and not one of them was Jack Wilshere. Modern football is a squad game, of course, and he had started Arsenal's last six straight, excluding the League Cup game at West Bromwich Albion. No one would suggest he is being frozen out. But this was Arsenal's biggest game of the season, their best team, it did not include Wilshere and for the first hour, it worked very well. Defensive pair Mikel Arteta and Mathieu Flamini were more solid than Wilshere would have been, the attacking trio of Tomas Rosicky, Aaron Ramsey and Özil more incisive. And therein lies the problem.
4. Higuain's absence blunts all Napoli's potential
It was clear enough why Napoli outbid Arsenal so dramatically in the summer to sign Gonzalo Higuain from Arsenal – he is far, far better than Goran Pandev. In Higuain's absence, Pandev was up front and Napoli were desperately blunt from the start. They had almost no threat on the break, even with Arsenal pushing high up the pitch. Napoli are still a good team, with a good chance of progress, but the quicker Higuain gets fit again the better.
5. Confident Ramsey claims his full right to roam
During the difficult years for Ramsey, his being stationed on the wing was seen as both a symptom and a cause of his malaise. Both the wrong choice for the team but also the wrong one for him, given his struggles. But he is a different player now, and produced a dangerous and subtle performance, switching from wing to wing. His dart down the right and perfect pass made Özil's goal and he was intelligent and industrious throughout, tracking back when required and even taking full-backs on. His form is so good now he can turn his hand to anything.
- More about:
- Arsenal
- Fc Barcelona
- Jack Wilshere
- Mathieu Flamini
- Naples
- Premier League
- The Carling Cup
- Tomas Rosicky


text:
Owsley Cited by Federal District Court
March 16, 2015
Assistant Professor Brian Owsley's recently published article, To Unseal or Not to Unseal: The Judiciary's Role in Preventing Transparency in Electronic Surveillance Applications and Orders, 5 CALIF. L. REV. CIRCUIT 259, 264 (2014), has been cited in a published federal court decision: Matter of Grand Jury Subpoena for: [Redacted]@yahoo.com, _ F. Supp. 3d _, 2015WL604267, at *3, n.15 (Feb. 5, 2015). Professor Owsley as a former federal magistrate court judge has both adjudicated and written about electronic surveillance and the unique difficulties that such surveillance raises for law enforcement officers in connection with privacy matters. As quoted in the federal court opinion, "As my former colleague Judge Owsley has pointed out, this dynamic largely reflects institutional inertia, not some nefarious plot on the part of the dedicated public servants of the Department of Justice. 'Busy federal prosecutors rightly focus more on the present and future investigation and prosecution of criminal activity, not the reexamination of long-concluded cases and investigations.'".

subset: commoncrawl


text:
The Overlook Bed & Breakfast
No prices found through our partners. Please contact the business directly or check some of our recommended alternatives.
Travel Blogs from Dillingham
Linda gets to Alaska
I have not had phone or Internet access, and so I'm just now getting around to blogging about Alaska. I'll begin with Linda's arrival on July 18th, when she began her 3 week Alaska adventure! I'll continue to post about the remainder of this grand trip in the order which I experienced it, so stay tuned for more photos and blogs to come!
In this entry, you see photos of Linda experiencing her first glacier- Portage Glacier! Enjoy the ...
King Salmon
How can this place call itself a town. Sure they have a two "hotels", two restaurants and a store but there are no houses. There is a gas pump. But from the airport terminal door you can see the whole town including the little cabin we're in, all the worse for wear with no hot water, right in the center of things. We've had to backtrack a few hundred miles so Thom could tinker with the plane. And here we are back near where we left two days ago. We rented a car, 20 ...
Run Salmon Run
... and soup. We headed out for the 30 minute run down to the fishing site. All the boats were lined up 4-500 yards apart ready and waiting for the clock to strike 12. Almost on the dot boats started to pull out from the shore setting their nets. Once the net was set, it became a waiting game. As it was just after the summer solstice it doesn't actually get dark, sun set is approximately 1-2am and around 3-4am it becomes dusk and sunrise is ...
We are off to Katmai National Park
... Monument & Preserve. Aniakchuk, southwest of Katmai on the peninsula, has no park facilities or rangers. This visitor center serves all three park sites, well actually all five sites since a park and preserve are separate national park units. This is a new record for us – five national park sites in one day !! We spent some time talking with the ranger in the visitor center. She suggested that we might want to take a taxi over to Naknek on ...
Certified Alaskan Style
... Such as everyone around town feels the desire to donate all sorts of subsistence food for us poor saps that can't find year round work. So far on the menu of free dinners has included but is not limited to; King salmon steaks, Sockeye, Moose roast, fiddle heads (baby ferns), Dolly Varden (think baby salmon eating trout), and my new extremely guilty pleasure baby Beluga. Yes that's right, not only are you allowed to ...
Other places to stay in Dillingham
Beaver Creek Bed and Breakfast1800 Birch Circle, Dillingham | B&Bfrom $120


text:
All Google Play Developers Can Now Reply to User Reviews
Finally Google Play allows developers to write responses to comments in the store, previously this function had been reserved only for Top Developers. Lately more and more devs reported that they can reply to comments, but this was only a staggered rollout until now. They officially announced the feature on Android Developers Blog. Now you can forget the well known solution when devs asking users in the app description to send an e-mail if they have any problems, questions or suggestions. Now the communication can be much easier between the companies and the customers.
Just like the user reviews the developer responses are subject to Google Play posting guidelines, so don't insult the ones with less than 5 star reviews.
When a dev writes a reply, it will be visible to everybody, and the user will get an e-mail alert.
What will be the next step? Maybe users can comment each others reviews? Share your thoughts in the comments!
Source: Android Developers Blog
Relevant Content
New tutorials from Helloandroid
Recent Apps
Android on Twitter
@Idevicegazette (iDevice Gazette)
GSM-to-Skype bridge lets you lose those roaming fees http://bit.ly/lbRJeh #android5 years 41 weeks ago
@tommy_banane (tom b.)
RT @AndroidFavorite: #Android New Desktop Android Market Is Live, Adds Several New Features http://zorr0.nl/lFwXNz5 years 41 weeks ago
@dwilliams5 (Dennis Williams)
just completed a runtastic run of 3.02 km in 40 min 11 s with #runtastic #Android App: http://tinyurl.com/5tvrpe35 years 41 weeks ago
@S_Pinz (Spinz!)
RT @Androidheadline: Out of box #LG Optimus 3D got Quadrant 2420 score. Thanks @blink_c #io2011 #android http://twitpic.com/4whkdz5 years 41 weeks ago
@tayaitapps (Taya IT)
Next Google TV Looks A Lot Like Android http://t.co/dvlTim3 via @alleyinsider #google #apple #android #tv #honeycomb5 years 41 weeks ago
Useful resources
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- Build a Mobil Application (Android, iphone) Beacon BT by alexechegoyen
- Android App Required - iOS App Replicate - Social Network by TheOmyx
- Moderator For Android App by devcrazzyapps
- Project for vasundhara19 by Esoteric10
- Mobile application to connect Users. Lean Profiles/Search/Chat by Shezif
- DISEÑO DE APLICACION PROGRESIVA - open to bidding by renelomas


text:
Vanilla Ice Cream
|2 Cup (32 tbs)
|3⁄4 Cup (12 tbs)
|4 Teaspoon
|1⁄4 Teaspoon
|Egg yolks/2 whole eggs
|Vanilla extract
|2 Teaspoon
|Light cream
|2 Cup (32 tbs)
1. Scald the milk in the top of a double boiler.
2. Mix the sugar, flour and salt. Add the hot milk, stirring, and return to the double boiler. Stir over boiling water until thickened.
3. Beat the egg yolks or whole eggs and add a small portion of the hot mixture. Return to the remaining hot mixture and cook, stirring occasionally, until the mixture coats a metal spoon. Chill thoroughly.
4. Add the vanilla and cream and freeze in a hand-crank or electric freezer, following the instructions given with either
Rate It
Nutrition Rank
Nutrition Facts
Serving size: Complete recipe
Calories 2498 Calories from Fat 1545
% Daily Value*
Total Fat 175 g269.5%
Saturated Fat 105.6 g527.9%
Trans Fat 0 g
Cholesterol 1133.3 mg377.8%
Sodium 851.3 mg35.5%
Total Carbohydrates 206 g68.7%
Dietary Fiber 0.54 g2.2%
Sugars 175.7 g
Protein 34 g68.4%
Vitamin A 119.4% Vitamin C 4.8%
Calcium 90.6% Iron 13.7%
*Based on a 2000 Calorie diet


text:
There has been a lot of discussion lately regarding stock buybacks and dividends. Recent articles have discussed potential benefits of buybacks, such as higher EPS and deferral of taxes, as well as concerns about poor execution of buybacks by management. Another article focused on when dividends are better than buybacks. I'm sure the dividend growth investor crowd is pretty familiar with the usual arguments, but being a person who likes to see some numbers, I decided to try modeling these scenarios to see what would happen.
A couple of disclosures are in order:
- Personally, I always prefer a special dividend to a buyback because I like to make the choice of whether to reinvest in the firm or not. Most of my funds are in IRAs, so taxes are not an issue for me. Regardless, I think I would still prefer the choice, even if it means paying dividend taxes now versus capital gains taxes later.
- There is no simple way to model stock pricing, so I created two models that use the Price/Earnings (P/E) ratio. Obviously we cannot predict what really happens after a buyback, or a dividend for that matter. I assumed comparable valuation methodologies regardless of the method of cash disbursement by the firm.
- I am not an accountant, but I believe my balance sheet arithmetic and methodology is accurate.
- Some of the discussion in previous articles focused on the destruction of value when firms repurchase their stock at high prices. I sought to quantify this and find out what value is lost, both in terms of book value and market value, which are two different things.
Initial Assumptions
For these models, I created a hypothetical firm, Buyback Inc. that has 10,000 shares outstanding with a current price of $90/share. The firm earns $100,000 annually, so EPS is $10/share, and the P/E is 9. I created a simplified balance sheet, shown below, with the firm having $1MM in stockholder equity for a book value of $100/share. Excess cash is considered to be cash above and beyond what is needed to run the firm; these funds are available for a special dividend or buyback.
So, we have a company that is undervalued based on book value and that has cash available for a dividend or buyback. Let's look at what may happen to both the book and market values under different options. To keep things simple, these scenarios assume that the shareholder has one share at the current price, and gain/loss is relative to that price.
Special Dividend Scenario at $90 per Share
I began with my preferred option, a special dividend. Feeling generous, the firm opts to give $90,000 ($9/share) back to shareholders. Sweet! But how does this impact the balance sheet and my overall total value?
$90,000 of excess cash is distributed, which is removed from assets and from shareholder equity. The balance sheet must balance! EPS is still $10, as earnings and outstanding shares are unaffected. The book value per share is reduced by $9. Furthermore, when the stock goes ex-dividend, the market price of the stock is also reduced by $9. The shareholder has $9 in his pocket, but unless the stock price goes back up, he has not gained in total return. Here's where I created two valuation models to simulate potential outcomes for the stock price.
In the P/E model, I assumed that the market price is a function of earnings and P/E, therefore regardless of this dividend, the stock's price would return to $90, as earnings and P/E were constant. Assuming the investor reinvested the dividend at the $81 ex-div price, he would now have 1.111 shares for a total value of $100, and 11% gain. Note: if the investor pocketed the dividend, the total value would be $99, for a 10% gain, which is what we would expect from a 10% dividend.
The P/Ex + Cash model factors out the excess cash from the market price first, then determines the P/E for the underlying business. Think of a firm like Apple (AAPL) that has $100/share in cash on its books. The current stock price of $600 includes $100 in cash. So from one point of view, the company's business (future cash flows) is worth $500/share. The P/E will obviously be lower, which is one reason I like this stock as a value play despite its high price. For Buyback Inc., if we remove the $20 in cash, the business is worth $70/share for a P/E of 7. After the dividend, the stock would be priced at $81 ($70 + $11 in cash per share), but the shareholder has 1.111 shares, so his total value is still $90. There was no gain under this pricing method, as is the case with normal dividends. Until the price goes back up, total return has not increased.
Special Dividend Results:
- Book value decreases by $9
- Total shareholder value could be between 0% to 11% gain
- Price impacts the yield that the shareholder receives. Assuming the P/E valuation model, the investor gains that amount.
Buyback at $90 per Share
Now let's look at the same situation, but with a $90,000 buyback instead of a special dividend. As seen in the chart above, at $90, the firm can repurchase 1,000 (10%) of its shares. Assets are again reduced to $910,000, as cash was spent and shares held as treasury count as negative equity. Treasury shares are not counted as part of outstanding shares. I am not going to get into the discussion of buying back shares for the purpose of giving out bonuses. I am assuming that if the firm did not repurchase shares for this purpose, it would issue new ones and dilute shareholder equity, so either way THIS buyback reduces shares. The buyback results in an increase in book value, thus reinforcing the argument that buybacks are beneficial when the price is below book value. But, does this translate to higher market value?
Using the same two P/E models as before, we again notice that under the P/Ex model, which separates out cash first, the transaction is a wash. This happens because nothing changed in the underlying business, and the cash spent cancels out the per-share increases. Under the normal P/E model, we see the same 11% gain as with the dividend scenario. To those who like arguing that buybacks and reinvested dividends are essentially the same thing, "you're welcome".
Buyback @ $90 Results:
- Book value increased by 1.11%. Not very significant, but it validates the buyback adding value.
- Total return value again ranged from no increase to 11%.
Buyback at $120 per Share
Now let's examine a buyback when the stock price is above book value. As expected, the firm repurchases fewer shares with its $90,000. The result is a decline in book value from $100 to $98.38. In this respect, shareholder value has indeed been "destroyed", but what about the market value?
All else being equal, the 7.5% reduction in shares causes EPS to increase by 8.1%. Assuming the stock maintains its PE of 12 ($120 original price / $10 EPS), the stock price should now be at $129.73, an 8% increase. As usual, the P/Ex model is a wash.
Buyback @ $120 Results:
- Book value declined, reinforcing the argument that buying back stock above book value lowers value. More specifically, it lowers book value.
- Market value could still increase, as EPS will go up because there are fewer outstanding shares. However, the firm paid 9% of its assets for an 8.1% price increase, so in that sense, the firm overpaid for the gain.
Buyback at $180 per Share
Finally, I decided to try a situation where the stock had a much higher valuation. Again, book value is lost. The firm spent 9% of assets and the net impact on book value was a decrease of 4.2%. At higher prices, this book value loss grows (e.g. At $360, book value fell 6.7% to $93.33). While this looks bad, keep in mind that in the dividend scenario, book value fell the entire $9/share, but we potentially gained the full $9 in market value.
In this scenario, assuming constant P/E, the stock gains up to 5% due to higher EPS. Paying the higher price per share resulted in lower total return benefit to shareholders. The gain diminishes as the buyback price increases. While the dividend scenario seems preferable, keep in mind that at $180/share, a $9 dividend is just a 5% yield, so again, the situations are aligned. The big difference occurs if the investor takes the dividend as cash (no reinvestment), and then the stock price declines because it is overvalued. Again, this choice can only happen if a dividend is paid instead of a buyback occurring.
Buyback @ $180 Results:
- Book value and the potential market value gain are even lower than in other buyback scenarios, but it is a still a net positive from a market valuation standpoint.
Based on these models, I reached the following conclusions:
- Book value declines if a firm repurchases shares at a market price above book value. Book value also declines after a dividend is paid. Neither necessarily has a negative impact on market price or the investor's total value. In fact, at worst, the impact appears to be neutral. Of course, if the price proceeds to fall by 25%, shareholders will wish that the company had kept that cash! Those who automatically reinvest their dividends may wish that they had kept it as cash too.
- The potential gain from a buyback diminishes as the buyback price increases. Likewise, the yield of a special dividend also decreases as the price increases.
- Repurchasing or reinvesting in a stock below book value has the greatest potential upside from a total return standpoint. Repurchasing below book value also raises the book value per share, which could help support the stock price. At some point, if the market price were far below book value, someone would likely take over the firm if for no other reason than to break it up and sell off the pieces for the higher value.
In terms of total return, there appears to be little difference whether the firm distributes the excess cash as a special dividend or via a buyback, excluding the tax and transactional considerations and assuming comparable pricing methodologies. Since investors may reinvest the funds to receive the same return that a buyback would yield, I still favor getting the dividend and having that choice. Book value will decline the most in the dividend scenario, but if stocks were priced based solely on book value, Altria (MO) would be at $1.82 and Kimberly-Clark (KMB) would be at $13.68 (Source: Yahoo Finance). Now, there are limits to this; negative book value is not typically held in high regard and could trigger debt covenants. Even at overvalued levels, buybacks lowered book value less than a dividend payment.
This helps to support my interest in stocks that balance dividends and buybacks, such as IBM (IBM), Philip Morris (PM), and Microsoft (MSFT). However, for the amount they are repurchasing, I'd prefer that they increase their dividend growth rates! This would satisfy the dividend investor's desire to receive more cash consistently from the firm. Assuming a valuation model based on the stock's yield, continued dividend increases should lead to steadily higher stock prices. The extra increases would need to be sustainable though. How this compares over time to receiving $9 at once or a buyback is a question that I leave for another day or another contributor.


text:
Home > Japanese Books (Artbooks & Manga & Magazines) > Magazines > E2 - Etsu - New Bi-shoujo Magazine Vol.36 December 2012
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text:
Major League Baseball 2K10 DS
- Publisher: 2K Sports
- Release Date: Mar 2, 2010
- Also On: PC, PlayStation 2, PlayStation 3, Xbox 360
User Score
No user score yet- Awaiting 1 more rating
User score distribution:
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Mixed: 1 out of 3
Negative: 1 out of 3
Review this game
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To make matters much worse, there's no online play – not like that should be a surprise – or online functionality of any kind in MLB 2K10. There's no career mode, no homerun derby; there's basically nothing to justify the money that you just plopped down if you currently have this in your DS.
Nintendo GamerYou won't find many gamers round here who've imported this. [Apr 2010, p.71]


text:
Definitions for factor iii
This page provides all possible meanings and translations of the word factor iii
Princeton's WordNet
thromboplastin, thrombokinase, factor III(noun)
an enzyme liberated from blood platelets that converts prothrombin into thrombin as blood starts to clot
Chaldean Numerology
The numerical value of factor iii in Chaldean Numerology is: 1
Pythagorean Numerology
The numerical value of factor iii in Pythagorean Numerology is: 9
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text:
Chromosome X plays a distinctive and notable role in human health and disease, but there is a fundamental gap in studying its function in complex human disease, because the vast majority of genome-wide association studies (GWAS) disregarded or incorrectly analyzed X-linked data. Hence, there is an urgent need for methods that will enable investigation of the X-linked basis of complex diseases, especially those that exhibit gender disparity in risk, age of onset, severity, o symptoms. Such methods must account for differences between chromosome X and the rest of the genome, including differences in the modes of inheritance, sexual dimorphism in susceptibility, dosage compensation (X-inactivation), population genetic patterns, and ascertainment biases. The overarching long-term goal of the research program is to improve the search for sex-linked complex disease genes and to elucidate how evolutionary history has shaped human genetic variation differently on the sex chromosomes. The objective of this application is to discover X-linked loci underlying various complex diseases while putting forth improved statistical and computational methods and software that are specially designed for chromosome X. The underlying rationale is that the proposed research will help uncover a portion of the heritable basis of complex disease that has yet to be explained by GWAS loci ('missing heritability'), reveal the role of chromosome X in disease etiology, and advance the exploration of the sex-linked basis of sex-specific disease patterns. Guided by extensive preliminary data and analysis, this objective will be met by pursuing three specific aims: (1) Develop new statistical and computational methodologies to facilitate powerful association studies that accommodate chromosome X;(2) Discover and replicate X-linked disease genes in existing and emerging GWAS datasets spanning different diseases and populations;(3) develop a software package for X-linked association studies. The innovation of the proposed research stems from the novel analytical methodologies that accurately deal with the challenges surrounding the analysis of chromosome X. Its contribution will be significant because it will bring chromosome X-which has so far been largely omitted-into the GWAS landscape and, specifically, will find novel X-linked associations underlying complex human disease while making analytical methods available for the next generation of association studies. This contribution will be further multiplied by offering a software package implementing all methods to the scientific community, thus allowing researchers to uncover X-linked genes underlying additional complex diseases and in additional populations. Collectively, the proposed research is significant as it will substantially advance our understanding of the role chromosome X plays in complex human disease.
The proposed research is relevant to public health because it will leverage existing data to discover novel X-linked loci that are associated with inflated risk of complex disease, facilitate the unraveling of disease pathogenesis, and advance our understanding of the role sex chromosomes play in complex disease. Only after bridging this knowledge gap can substantial progress be made toward understanding the mechanisms underlying gender disparity in disease susceptibility. This project is relevant to the missions of NIH and NHGRI as it will advance human health by revealing genetic variants underlying complex human disease risk.
|Gao, Feng; Keinan, Alon (2014) High burden of private mutations due to explosive human population growth and purifying selection. BMC Genomics 15 Suppl 4:S3
|Chang, Diana; Keinan, Alon (2014) Principal component analysis characterizes shared pathogenetics from genome-wide association studies. PLoS Comput Biol 10:e1003820
|Arbiza, Leonardo; Gottipati, Srikanth; Siepel, Adam et al. (2014) Contrasting X-linked and autosomal diversity across 14 human populations. Am J Hum Genet 94:827-44
|Siepel, Adam; Arbiza, Leonardo (2014) Cis-regulatory elements and human evolution. Curr Opin Genet Dev 29:81-9
|Ma, Li; Ballantyne, Christie; Brautbar, Ariel et al. (2014) Analysis of multiple association studies provides evidence of an expression QTL hub in gene-gene interaction network affecting HDL cholesterol levels. PLoS One 9:e92469
|Gao, Feng; Ballantyne, Christie; Ma, Li et al. (2014) Rare LPL gene variants attenuate triglyceride reduction and HDL cholesterol increase in response to fenofibric acid therapy in individuals with mixed dyslipidemia. Atherosclerosis 234:249-53


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Category:WikiProject Quebec members
From Wikipedia, the free encyclopedia
|Wikimedia Commons has media related to Quebec.
This category comprises the members of WikiProject Québec.
To add your user page to this category, add one of the following Wikitext expressions to your user page.
|[[Category:WikiProject Quebec members]]
|no userbox
{{User WikiProject Quebec}}
{{User WP Quebec}}
- See Wikipedia:Userboxes/Regional WikiProjects for other WikiProject userboxes.
- See Wikipedia:Userboxes/Location/Canada for other Quebec userboxes.
Related categories:
- For Wikipedians who are interested in Quebec, see Category:Wikipedians interested in Quebec.
- For Wikipedians who currently reside in the Province of Quebec, see Category:Wikipedians in Quebec.
- For Wikipedians who are citizens of Canada, see Category:Canadian Wikipedians.
You may wish to join a subcategory of this category:
This category has only the following subcategory.
- ► WikiProject Montreal members (11 P)
Pages in category "WikiProject Quebec members"
The following 16 pages are in this category, out of 16 total. This list may not reflect recent changes (learn more).


text:
Wego.com.sg recently found 8 hotels in Wharton, United States. Find a range of accommodation in Wharton at great prices. Book luxury Wharton hotels or find last minute accommodation. Save more on cheap hotels in Wharton with affordable room rates.
Filters help you save time when choosing where to stay. Try clicking on a few now...
Wharton Hotels 3 Star Hotels Wharton Cheap Hotels Wharton Cheap Accommodation Wharton
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text:
Castle of Czech Republic Sightseeing Flight from Prague
Duration: 1 hour
Discover the most beautiful Czech castles and chateaus from above during an hour's sightseeing flight. An experienced pilot, who will point out all…
Mlada BoleslavSee all 2 tickets & tours
Want to discover all there is to do in Mlada Boleslav? Click here for a full list.


text:
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I am looking for someone who is able to rewrite Scanned Word document in access database.
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text:
Manchester United manager Sir Alex Ferguson has confirmed Michael Carrick will miss tomorrow's Champions League encounter with CFR Cluj due to illness.
Carrick did not train at Carrington this morning and was also absent when United left Manchester at lunchtime.
But rather than being rested, Ferguson confirmed the England man was not well enough to be considered.
"Michael did not report today. He is in bed with a virus," said Ferguson.
The United boss also confirmed veteran wide-man Ryan Giggs left training this morning after also feeling unwell, while Paul Scholes was not considered due to the exertion of completing the full 90 minutes in Saturday's 3-2 home defeat by Tottenham.
"Ryan had a bit of a virus this morning," said Ferguson.
"He was feeling a bit rough so we sent him home.
"Paul Scholes played ever so well on Saturday but he is 37 now and we couldn't expect him to play three days later at his age."
PAReuse content


text:
Holiday Inn Express Hotel & Suites Hermosa Beach
Los Angeles, CA, US (LAX)
Hotel Specials
Package Specials
Package Specials
Standard Room
- One King Bed
One King Bed, Non-Smoking, with Jetted Tub
- One King Bed
One King Bed, Non-Smoking
- One King Bed
One King Bed, Smoking
- One King Bed
One King Bed, Non-Smoking, Accessible
- One King Bed
Two Queen Beds, Non-Smoking
- Two Queen Beds
Two Queen Beds, Smoking
- Two Queen Beds
Suite, One King Bed, Non-Smoking
- One King Bed
Holiday Inn Express Hotel and Suites Hermosa Beach is located in Hermosa Beach`s Beach Cities neighborhood, close to King Harbor Marina, Redondo Beach Pier, and South Bay Galleria. Regional points of interest also include Marineland.
Why Stay HereIndoor Pool and Spa Tub
Fitness Room + Sauna
Free Breakfast
Complimentary Parking
Resort Details
Recreational amenities include an indoor pool, a spa tub, a sauna, and a fitness facility. This hotel has a business center and offers small meeting rooms and business services. High-speed Internet access is available in public areas. The hotel serves a complimentary breakfast. Guest parking is also free. Concierge services and tour assistance are available. Additional property amenities include multilingual staff, gift shops/newsstands, and laundry facilities.
Accommodation Details
80 air-conditioned guestrooms at Holiday Inn Express Hotel and Suites Hermosa Beach feature coffee/tea makers and hair dryers. Bathrooms feature shower/tub combinations and complimentary toiletries. High-speed Internet access is available. In addition to desks, guestrooms offer multi-line phones with voice mail, as well as free local calls (restrictions may apply). Televisions have cable channels. Rooms also include irons/ironing boards and clock radios. Housekeeping is offered daily and Guests may request wake-up calls.
Connecting/adjoining rooms may be available, subject to availability. Guests can request connecting/adjoining rooms by contacting the property directly, using the contact information on the booking confirmation.
Based on 225 reviews 0


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The Horse Forum (http://www.horseforum.com/forumindex.php)
- Horse Talk (/horse-talk/)
- - Christmas Donation (http://www.horseforum.com/horse-talk/christmas-donation-73055/)
Christmas Donation
My mom always does donations in our family's name for Christmas. She is looking for a rescue or something that she can donate to this year. Any suggestions? She would like to be able to print off something to send them.
Tamara, where are you located? Usually you can find a good rescues almost anywhere. :wink:
But if you want out of state you may consider DAYS END FARM HORSE RESCUE - DEFHR - LISBON, MARYLAND - one of the very high ranked rescues in my area (they take care of some real horror-looking horses DAYS END FARM HORSE RESCUE - DEFHR - LISBON, MARYLAND), and I always get a donation receipt from them (although it usually takes several weeks as in my understanding they send it out once/month).
Days End is great-this one is too!
Frog Pond Farm -- Draft Horse Rescue
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this card is "the best"
Wish the couple on their anniversary with this ecard.
Anniversary card for a happy couple with lots of good wishes.
Wish a couple on their anniversary with this beautiful message.
A fun musical card for the anniversary couple.
Beautiful words to say to the love of your life on your anniversary.
A cute card to wish a very happy anniversary to the couple.
A beautiful card for your love on your anniversary with a romantic wish.
A couple of jigsaw pieces find that they are the perfect match as they wish you a...
A beautiful anniversary card for the special couple.
Wish your wife/ beloved on your anniversary with this heartfelt message.
Wish your wife/ beloved on your anniversary with this beautiful message and happy...
A beautiful card with soft music for the most romantic day of your life.
A nice wedding anniversary card for the lovely couple.
A beautiful and romantic card for your partner on your anniversary.
A beautiful anniversary card with soft music for the couple.
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Flight Schedules from Tongoa to Tanna
Find cheap airfares for flights from Tongoa to Tanna. Use Wego.com to search and compare low airfare airline tickets for Tongoa to Tanna flights on various international airlines. FInd last minute flights and the latest low airfares for this route. Compare cheap Tongoa to Tanna flights at a glance and get the best deal for your trip.
Besides Tanna flights, find cheap hotels and quality accommodation in Tanna with Wego. Search and compare Tanna hotels online to book your ideal travel accommodation.


text:
In a way, the tagline for (500) Days of Summer says it all and says nothing at all: "Boy meets girl. Boy falls in love. Girl doesn't."
Sure, it neatly captures the story of Tom Hansen (Joseph Gordon-Levitt) and Summer Finn (Zooey Deschanel) as they meet and date and part – to still be friends she hopes. But the movie's many pleasures avoid such easy description. They have nothing to do with story. They have everything to do with storytelling.
I've always been a sucker for novels that tell the mere wisp of a story, but do so with great style, novels like Franny & Zooey and A Heartbreaking Work of Staggering Genius. I was a sucker for this movie as well. It very playfully tells a very simple story. I was even reminded of the writing style of Staggering Genius author Dave Eggers, often.
The title may be a bit misleading. It suggests that the movie will chronicle a summer that doesn't want to end, it being so bright, so happy and carefree. But what we find on the screen instead is a rather free-wheeling woman – like a distant cousin of her namesake Huck Finn – taking her own Tom through 500 days of ups and downs, of happiness and sadness.
The "summer" of the title doesn't have anything to do with the seasons – although it does lead in the end to a rather nice seasonal joke. The "(500) Days" of the title though does lend the film a nifty structure. It's a movie of constant hopping, skipping, and jumping through time with a number graphic helping us keep track. Now we're at day 45, we're told. Then we're comparing that day's happiness to the sadness of day 344. And so on.
The movie is in love with movies. We get a flirtatious series of close-ups of Summer sprawled on a bed, toying with Tom and with us, her black haircut evoking '60s French movie star Anna Karina at her most precocious. We get homage to that great American '60s movie The Graduate. But it is Woody Allen's Annie Hall that it touches most often.
Summer challenges Tom to look back and try to see more than just the happy times and the scenes have the same bittersweet flavor as Alvy replaying his relationship with Annie. And the inventive scene from Annie Hall where Alvy and Annie talk on a balcony while subtitles express their true feelings finds its creative counterpart when Tom attends a party thrown by Summer. A split screen shows us what he hopes will happen alongside what actually does happen.
There is a downside to this kinship with Annie Hall though. As with Alvy, we are restricted to Tom's point of view. Because of this, and like with Annie, we never really get to know Summer. She's merely an image, a fashion statement. It weakens the movie and leaves one thirsting for a sequel, perhaps less cleverly titled (500) Days of Tom.
That aside, (500) Days of Summer offers an insight that everyone who has ever dated and fallen in love only to be spurned will recognize. Frustrated, Tom asks Summer why she has broken her rule of keeping things casual now that she's with another guy. She answers, "I realized that I was sure with him about all of the things I wasn't sure about with you."
Her words sound harsh here on paper. But, the way the movie says them softens them, revealing them to Tom and to us as simply the truth.Powered by Sidelines


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Reading the Bible
A group of volunteers are reading the Bible from cover to cover this week (June 19-24, 2006) at Signs of Life in downtown Lawrence.
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Prevention & Recovery
7 ways to stay healthy aboard a cruise
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Prevention & Recovery
7 ways to stay healthy aboard a cruise
1. Visit a travel clinic
Before embarking on your holiday, book an appointment with a travel clinic. Dr. Suni Boraston, MD, director of the Travel Clinic at Vancouver Coastal Health, says there are two vaccine-preventable illnesses that should be at the top of your watch list: hepatitis A (an infectious liver disease caused by a virus) and influenza. "It's a very well-kept secret, but there are outbreaks of hepatitis A on cruise ships," she says. "Much of the staff on cruise ships is from hepatitis A endemic areas of the developing world." Getting a hepatitis A vaccine will alleviate this worry.
Another must-have is the seasonal flu vaccine. Close proximity to your fellow travellers can result in easy transmission of this contagious virus. Additional vaccines, like yellow fever, may also be administered, depending on your destination.
2. Cruise during the summer
Snowbirds trying to escape Canada's frosty weather, take note. Norovirus, the infamous stomach bug characterized by nausea and vomiting, is at its peak during the winter months. "We used to call it winter vomiting disease," says Dr. Boraston. "At this time, norovirus is circulating. When you have people cloistered together on a cruise ship, and one or two people are sick, it could spread wildly. It's very contagious." To lower your risk of contracting norovirus, book your cruise vacation for the summer months, when the illness is less active.
3. Wash your hands frequently
While on board, wash your hands with soap and water to defend against viruses. You can also carry your own personal hand sanitizer, but cruise ships are equipped with dispensers in most public areas. Bathrooms, however, are another story. "A study showed that public washrooms on cruise ships weren't as clean as they should be," says Dr. Boraston. "I tell people to get some extra exercise and walk back to their room to use their own toilets and sinks."
4. Be waited on
Buffets can serve up a smorgasbord of illness-causing viruses. When one sick traveller touches a communal serving spoon, traces of the virus could be left behind on the utensil, infecting countless others who use that same spoon. Instead of handling cutlery used by other vacationers, allow the buffet staff to fill your plate. "They will serve you," says Dr. Boraston. It's also smart to avoid shaking hands and touching hard surfaces, such as railings, where germs can lurk.
5. Pack insect repellant
If you're cruising around the Caribbean, Central America, South America, India, Africa or Southeast Asia, you could be at risk for dengue fever, a flu-like illness that's spread by mosquito bites during the day. Dr. Boraston recommends packing an insect repellant. "When taking day trips off the ship, anoint yourself with an insect repellant that contains at least 20 percent DEET. And wear light-coloured clothing—mosquitoes like dark colours," she says. Dengue fever won't kill you, but it could make you sick for seven to 10 days.
6. Bring a first-aid kit
If illness strikes at sea, it's helpful to have products you can trust from home. Be sure to pack a personalized first-aid kit that includes an anti-nausea medication, an antihistamine, an ointment for cuts, a pain and fever reliever, and an over-the-counter diarrhea remedy. "I also give people an antibiotic prescription in case they get serious travellers diarrhea—an E. coli diarrhea that you might get off-ship from drinking water or eating food in a developing country's port," says Dr. Boraston. Seasickness sufferers should also bring along scopolamine patches or Bonamine—two medications that can help relieve symptoms.
7. Stay put
Got an upset stomach or have the urge to visit the bathroom more frequently than normal? Don't roam the ship and make others sick. "Stay in your room with your own toilet and sink, and lower the risk of passing your illness around," says Dr. Boraston. If your illness lasts more than 24 hours, it might be a good idea to seek out the onboard medical staff for assistance.
If you have food allergy restrictions, check our tips on how to safely enjoy your vacation.


text: REPORT: Nick Adenhart, Angels Pitcher, Killed In Hit-And-Run This MorningMatt Hardigree4/09/09 11:13amFiled to: AccidentNick adenhart deadNick AdenhartAdenhartHit And RunNick adenhart accident87EditPromoteShare to KinjaToggle Conversation toolsGo to permalink Angels Pitcher Nick Adenhart was killed in a hit-and-run, along with two other individuals, this morning in Fullerton reports the LA Times. More info at Deadspin. [Photo: Getty Images] Reply87 repliesLeave a reply


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The things that are crawling around in your mind! Great wordplay. "LIKE"
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3244 reviews | 4.2 out of 5
The Straight Talk Unlimited Talk, Text and Data is a FABULOUS value at only $45!
Every month I get one of these for my husband, he even likes Straight Talk's service so much I bought him the newest Android by Straight Talk phone for Christmas! My son bought himself one as well!
With so many competitor's trying to get your business, Straight Talk speaks for itself. Straight Talk offers a fantastic service with an exceptional new Android phone offering UNLIMITED Talk, Text and Data!
You just can't beat it anywhere. Bundling a $45 Straight Talk Service Card and the newest Android Straight Talk phone will make a wonderful Christmas gift for ANYONE!
I was using Sprint before I switched cause they were charging me over $100+ a month for my cell phone and data service. Now I pay less than $50 a month to do the same stuff with my new Straight talk service that I used to do with Sprint. Hmm to me it's an easy decision.. Thanks again Wal-Mart
I noticed that I could purchase a straight-talk card on walmart.com rather than trying to hike up to the store for a last minute gift or purchasing on the straight-talk site and getting hit with additional charges. I browsed through and noticed some people complained about not getting their code-sometimes for DAYS. I needed the code for my brother's christmas gift, since his account expires tomorrow. So, I went against my vibe from other reviewers and did it anyway thinking it might just be customer error. Especially, with the filters on spam folders lately.
I was pleasantly surprised, although, definitely had my nerves going. I placed my order at 12:19am and received my pin number around 12:34am. So 15 minutes was all it took for me. I use gmail, so my walmart order form went to my regular inbox and the pin number went to my "promotions" box. I can tell you, it felt like the longest 15 minutes of my life and I really didn't want to regret the purchase, but I am glad I did it!
I have been with them for a few months now and my mother has been with them for over a year. It is a good service and works well for both of us. When you change over to it you just have to remember to get the right phone for your area and do not go with a cheap phone you will regret it. My mom uses a zeta it runs about $150 and works really well I use a I phone 4 and it works really well. If you fellow this two things you should not have any problems, I would give it a 5 stars but I do have to say the customer service is good just hard to understand them the one or two times I have called but all in all it was a good choice for me. I was paying $77 a month now I pay $48, a nice saving and just to clear it up it does say in the terms that it is 3g for the first 2.5GB and they slow it for the rest of the month but I have had a smart phone for over 3yrs and never used more then 1.5gb a month so if you are a heavy user than this is not for you but if you are an average user than you can save some money.
ok so i have been using straight talk for several months now and now its time to reload some minutes and my sim card is blocked. so i call their tech support, which really isn't that helpfully, and they tell me that there unlimited everything plan as limits. Basically they can shut you down due to their "Fair Use Policy" that is nowhere on their website and printed in like 2 font on the paperwork they send you with the sim card. To sum this policy up for yall, straight talk doesnt want you on youtube, facebook, pandora, google, they even monitor the lengths of your calls to determine whether or not you talk to much. So i was like ok whatever just reactivate my phone and ill watch how much of my unlimited data ill use and they told me they couldn't that but i could just buy another sim card and start over. Neeless to say I'll be finding another provider with better customer service and one that doesn't rope you in with the fine print. I would not recommend this to anyone stay as far away from them as possible.
When Straight Talks works, it's great. When it doesn't.............it is REALLY AWFUL. In the last month they have lost my phone number, swearing that it wasn't a Straight Talk number multiple times as I tried to add airtime (But boy did they sure cut off that service for nonpayment!) and have messed up two consecutive payments on my husband's phone. I have spent countless hours on hold trying to correct these situations, including one marathon 3 hour span of time. When I finally got customer service representatives on the phone, the reps had thick accents and I had trouble hearing them as I am a bit hard of hearing and their attitudes made me want to just hang up. We are not renewing my phone, and are transferring to AT&T. I'd rather change my phone number and pay twice as much for my phone than deal with the problems any more. I give it one star simply because I can't give a negative number of stars. Straight Talk's customer service is terrible, and they don't care if you're happy with them or not. Run away!
This is the same Straight Talk refill card people would buy at their local Walmart store. Its advantages are that it comes electronically, thereby saving you the expense of spending gas to get there, which would be especially useful if you live at a great distance from one. It also will save you the sales tax, if your state has one.
Its disadvantages are that, although I saw advertising that this product would arrive as an email anywhere from minutes to hours, both purchases unfortunately arrived from about 24 to 36 hours instead!! There is a place, however, where it mentions that it 'could' take up to 48 hours. Perhaps this won't bother the more patient folks, but it sure had me antsy with the extended waiting time.
My suggestion for walmart.com would be to eliminate any areas of advertising which might lead a person to believe that it could actually arrive in minutes or hours. For all I know, it might for some, but thus far it never has for me.
I'm not using my Android phone that much and wanted to save some money by switching to TracFone.
American Movil is the parent company for both ST & TF. The exact same model number for the Samsung phone I have is offered by both ST & TF but they won't let you buy a TF plan unless you buy another phone.
To add injury to insult when I turn on my phone it boots up as TracFone. When they couldn't synch my phone number and phone serial number for 6 months I finally escalated beyond their call center and it was a TR employee that helped me.
The Forbes Magazine richest man in the world for 2014 was Bill Gates. Carlos Slim who controls American Movil was number 2 behind Bill Gates. The company isn't even based in the U.S.
If I own the cell phone I should be able to take it where I want to in a free market capitalistic society. Their customer service people are nice but forget getting any help if your question is not in their scripted list.
This is ridiculous!
We have had Straight Talk for just over one month..... My wife has had to call customer service three times in less than one month !!! The first problem is that one can not understand the customer service rep !!!!! Straight talk was suppose to fix her phone three times, The phone was NEVER fixed !!! Finally after the last time my wife was on the phone with
straight talk, my wife reset her own phone and now seems to work.... Oh, one of the times talking to straight talk,I ask to speak to a supervisor, I was on hold for 15 minutes and then the rep said that her supervisor now was in a meeting....... SO I ask that the supervisor call me..... as of now it's 2 days later and still NO call !!! We had left Verizon to go to this 3 rate company...... I am thinking that we maybe we will be going back to Verizon !!! I would NEVER recommend this company to anybody !! The sad part of this is that I had great hopes for this company !!!
The $30 pre-paid PIN was activated over the phone on Day 1 and it's a waste of time trying to do it online if you're transferring your old number. The phone worked only for the test call around the 6th hour on my land line phone on Day 2 (after 3 hours on Day 1), but never showed up in the plan/minutes. After another 4 hours and 3 disconnects with customer service (which was barely audible on the last 'manager' transfer it was decided that they would replace the phone within THREE TO FIVE BUSINESS DAYS after they received the defective phone. So now I'm without wireless service for 2 weeks. Not only are their phones unreliable, but the signal is barely functional at my home plus the customer service, though polite, is absolutely awful. I recommend that you at all costs avoid this service provider. Their phones are useless and I can't wait to get the phone up and running so that I can use up the prepaid time and switch back to Verizon.
I have an HTC Inspire and my wife has an iPhone 3 that were on the AT&T network. My basic voice/data/text billing plan was $189 per month. I ordered two new SIM cards from Straight talk and activated my existing phones on Straight Talk. I now pay $45 per month each and the phones work GREAT!! I did have to call Straight Talk customer service for help activating my HTC Inspire because it was one of a couple of HTC phones that are a little "different" and needed a little extra programming, but other than that, the phones work GREAT on the same the AT&T network that I was paying $189 per month, plus, I have unlimited voice/data/text for $45/mo. I now save $90 PER MONTH. By the way. I use the free Google Navigator app on my HTC Android phone. It works just like Garmin or Tom-Tom. AT&T charges $12 per month for the same service. When my wife's iPhone eventually crashes due to old age, I will be replacing it with a Straight Talk Android phone.
I had Straigt Talk for years. Never had a real issue unless I had to contact customer service. They have to have the worst customer service I have ever incountered. One time, my area was out of the unlimited plan cards so I got one over the phone, paying with my bank card- they billed me twice and still never credited my phone- it took me two weeks and several phone calls to have this issue rectified. My last incident, my phone had quit working after only two months, I sent in the old phone and close to TWO WEEKS later, finally got the new one in just to fnd out they sent me a sim card that doesn't work in my area (three phone calls and almost 6 hours later) so they sent me a new one and, two phone calls and two and a half hours later, this one won't work with my phone. They wanted to send me a new one, but I'm done with this company- the price is right, but hope and pray nothing goes wrong with it.
After a problem on the Straight talk website to activate my 4 cell phones, I was directed to call the 1877 help line. What a huge ordeal! on the phone for 5 1/2 hours during the afternoon, another 1 hr at night! Talked to several managers and support employees and kept giving them the same information over and over. These people lacked the necessary training because they didn't seem to understand what they were doing. and since I had to call back after 2 cell phones weren't activated, apparently they didn't save the information that was provided. or they just didn't listen to my answers. just a nightmare and if I had to do it all over again, I would have simply stayed with Verizon and saved myself this aggravation. I have told my family, friends, and co-workers of my experience and not to make the same mistake. Sad day for your corporation! Please get back in touch with me, I would love to discuss this further. But you really need to make sure this doesn't happen to any other customers. I will keep Straighttalk since there are no refunds on the 30 day service, after that, we will see.
Would not recommend straight talk to anybody, the customer service associates don't know anything, there favorite word is no. Phones are o.k. Very cheap but they work. They use different providers for different phones, and it makes it really difficult to keep your phone number from different provider, when you get a new phone from straight talk. BUYER BEWARE. I've had my service out for two days before and they couldn't do anything about it because they were rebooting there systems, and its happened several times. Not a reliable company and they don't have reliable phones. Bottom line, if you use this company you'd better have a good back up phone with different provider, because of there unreliable service. Maybe a good company for a teenager, who doesn't need a phone with reliable service. There are many more pay as you go service providers, who's prices are comparable and are much more reliable.
You just better hope you don't have to call customer service.
I just spent a 1 1/2 hours on the phone with them, and I still have no phone service. And apparently I won't for another 48 hrs according to them. I've already waited 48 hrs to get my number transferred and I have to wait another 48 because they couldn't get my phone to activate so I had to go get another one.
If you plan on transferring your old phone number be prepared to it takes 48 hrs to do so. For me they transferred my number from my old provider and wasn't able to get my new phone to activate. So here I have without phone service from either phone service. And I'm not sure when I will get it on. So far I haven't got my phone to work once.
Oh, and the call centers are out the country so they don't speak english.
Half the cost of other providers plans, half the customer service. Seriously don't waste your time.
I bought this on a friday (the day my subscription expired) however that was also the day i came back from being underway (at sea on a ship) and i needed my phone to last me through the weekend. I bought it online because I have no car to travel from base to wal mart and my phones website does not allow 45 a month plans. however I had thought i was going to recieve my phone code that day i bought it. I was wrong. it is now sunday...i have missed texts and calls from my girl and my family has not heard from me since last week when I left. I have gotten lost in the middle of a town without a GPS on my phone or having the ability to call anyone. All i wanted was my phone code that i had purchased. had i known it woulda taken 3+ days to recieve it I would have just tried to find a way to walmart instead of this.
I would only buy this product online if you are buying in advance. do not buy this if your phone is already about to be deactivated on the day of or prior.
overall...Dissapointed in the time it takes to "verify my purchase" and send my code electronically >_>
The description of this product makes it seem like the pin will be emailed within 60 minutes of ordering. WARNING!! This is NOT the case!! My advise is to read the fine print, it says that the card may take up to 48 HOURS to arrive (a fact I only learned AFTER I placed my order) I wish I had read the reviews here, or the fine print, but alas, I was in a hurry to keep my phone active (expiration got the best of me during the busy holiday season and I completely forgot all about it). Had I known that it was going to take nearly 24 hours for my pin to arrive, I would have gone through the straight talk web site instead. :( However, I did eventually receive my pin, and the $45 even price tag was nice, so my only real complaint is in the way this is advertised. PLEASE don't tell me in bold that something is going to take an hour when in reality, it may be FIFTY TIMES that long. Thank you.
At first I was not sure about this product. We have been with tmobile for over 6 years. But paying 222.00 a month for our phones got to be to expensive. So we canceled our contract and got 2 straight talk phones! I love them! They are nice and inexpensive! Actually I have never had to pay for a phone. If you visit their website, they offer free phones when you buy a monthly plan. Either 1000 mins or the unlimited! Also it is nice to pay as you go or on their website you can set up autorfill or reserve mins for your next month! Also it is simple again on their website to upgrade your phone and still keep your same number! You can also keep your previous number from another phone company, even landlines! So you can not go wrong here! We went from paying 222.00 a month for 2 phones to paying 75.00 a month for 2 phones! I use the unlimited plan becasue I also use it as a home phone! I get unlimited talk, text and web! My husband uses the 1000 mins plan and it works great for him because he is not on the phone nearly as much as I am! And the best part is you can upgrade or downgrade your plans whenever you want! WITH NO CONTRACT!!!
I don't say that lightly. I've had cellular, landlines, and internet services for over 20 years, with companies as varied as AT&T, BellSouth, NYNEX, Sprint, Verizon, T-Mobile, Cingular, Tracfone, and others too obscure to mention.
I've lost track of the number of calls I've made to StraightTalk where I was either: (a) given a message signal and told to call back later; or (b) put on hold for upwards of 10 minutes, connected with someone who didn't know how to activate my service, and then transferred to a line that gave me the "we're busy, call back later" message.
On the ONE occasion I managed to get through a human being that stayed with me, her English was so poor that we could hardly make ourselves understood to one another. And whatever she did to attempt to activate my service created even more problems.
Naturally, I tried to do as much as I could to solve these issues online. But the online site is about as clear as a bucket as mud, and as helpful. My service is listed as active, despite the fact that the phone doesn't register anything except the presence of a SIM card in its guts.
I have been using Straight Talk since February 2013. I have seen hundreds of people cry that they dont get unlimited data. Some even go as far to lie and exaggerate that its actually 2GB a month.
The problem is that these people blaming StraightTalk are actually the problem. StraightTalk has ToS (Terms of Service), if you break the rules, they break you.
I have followed the ToS as best as I can understand them. There are really only two big rules.
1. No Tethering. (No turning your phone into a mobile hotspot)
2. No uses live streams. (No live radio stations, news stations, tv stations, web shows, etc)
The problem is, most dont know what tethering is, and they do it anyways. I would bet more than 50% or the people complaining have used some kind of live content.
My last billing cycle, I have used almost 4GBs and I am still going strong


text:
Modelling conditional correlations of asset returns: A smooth transition approach
In this paper we propose a new multivariate GARCH model with time-varying conditional correlation structure. The time-varying conditional correlations change smoothly between two extreme states of constant correlations according to a predetermined or exogenous transition variable. An LM-test is derived to test the constancy of correlations and LM- and Wald tests to test the hypothesis of partially constant correlations. Analytical expressions for the test statistics and the required derivatives are provided to make computations feasible. An empirical example based on daily return series of five frequently traded stocks in the S&P 500 stock index completes the paper.
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|Date of creation:
|02 2012
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| Web page: http://www.econ.au.dk/afn/
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.:
- Tse, Y. K., 2000.
"A test for constant correlations in a multivariate GARCH model,"
Journal of Econometrics,
Elsevier, vol. 98(1), pages 107-127, September.
- Tom Doan, "undated". "RATS programs to replicate Tse's constant correlation GARCH test results," Statistical Software Components RTZ00161, Boston College Department of Economics.
- Tom Doan, "undated". "TSECCTEST: RATS procedure to perform Tse test for constant correlation in MV-GARCH model," Statistical Software Components RTS00214, Boston College Department of Economics.
- repec:cor:louvrp:-1847 is not listed on IDEAS
- Mika Meitz & Pentti Saikkonen, 2008.
"Parameter estimation in nonlinear AR-GARCH models,"
CREATES Research Papers
2008-30, Department of Economics and Business Economics, Aarhus University.
- Meitz, Mika & Saikkonen, Pentti, 2011. "Parameter Estimation In Nonlinear Ar–Garch Models," Econometric Theory, Cambridge University Press, vol. 27(06), pages 1236-1278, December.
- Mika Meitz & Pentti Saikkonen, 2008. "Parameter estimation in nonlinear AR-GARCH models," Economics Series Working Papers 396, University of Oxford, Department of Economics.
- Mika Meitz & Pentti Saikkonen, 2008. "Parameter Estimation in Nonlinear AR-GARCH Models," Economics Working Papers ECO2008/25, European University Institute.
- Mika Meitz & Pentti Saikkonen, 2010. "Parameter estimation in nonlinear AR–GARCH models," Koç University-TUSIAD Economic Research Forum Working Papers 1002, Koc University-TUSIAD Economic Research Forum.
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MEB Series (discontinued)
2001-11, Netherlands Central Bank, Monetary and Economic Policy Department.
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- Robert-Paul Berben & W. Jos Jansen, 2003. "Comovement in international equity markets: A sectoral view," Finance 0310001, EconWPA.
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"Regime Switching for Dynamic Correlations,"
Econometric Society 2004 North American Summer Meetings
230, Econometric Society.
- Pelletier, Denis, 2006. "Regime switching for dynamic correlations," Journal of Econometrics, Elsevier, vol. 131(1-2), pages 445-473.
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"Theoretical and Empirical properties of Dynamic Conditional Correlation Multivariate GARCH,"
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8554, National Bureau of Economic Research, Inc.
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Microsoft to 'Connect' With Developers on Visual Studio, Azure, More
Microsoft will hold its Connect(); event next month to school developers on the upcoming new features in the company's tools, cloud and DevOps platforms.Microsoft plans to update developers on its latest tools and platforms at an invitation-only event next month in New York City known as Connect();. Visual Studio and the next version of the Microsoft developer toolset will be the centerpiece of the event, which will be held Nov. 12 and will be webcast live. A second day of Microsoft developer outreach will take place on Nov. 13, where engineering team members on Microsoft's Redmond, Wash., campus will interact virtually with developers to provide insight about the newest tools, frameworks and services. Speakers for Day 1 of Connect(); will include Scott Guthrie, Microsoft executive vice president of Cloud & Enterprise; S. "Soma" Somasegar, corporate vice president of Microsoft's Developer Division; Brian Harry, corporate vice president of ALM at Microsoft; and Scott Hanselman, principal program manager for Microsoft Azure.
Meanwhile, issues to be covered on Day 2 include .NET vNext and managed languages, ASP.NET vNext, Microsoft Azure Platform and Tools, multi-device development using Visual Studio (iOS, Android and Windows), Application Lifecycle Management, Dev/Test, DevOps, Visual Studio "14" IDE productivity and more.
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Tourists and locals flocked to Southfork Ranch, home of "Dallas," to bring flowers in memory of Larry Hagman.
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Corned Beef And Cabbage Casserole
|Finely shredded cabbage
|3 Cup (48 tbs)
|Rich milk
|2 Cup (32 tbs)
|Prepared mustard
|2 Teaspoon
|1⁄2 Teaspoon
|Soft butter/Margarine
|3 Tablespoon
|3 Tablespoon
|Canned lean corned beef
|12 Ounce, diced (Or Loaf, 1 Can)
|Shredded cheese
|1⁄2 Cup (8 tbs)
|Chow mein noodles
|1 Cup (16 tbs)
Pour boiling water over cabbage and let stand 5 minutes; drain thoroughly.
Heat the next three ingredients together, then stir in a smooth mixture of the butter and flour.
Whisk until thickened and smooth.
Fold in corned beef and cabbage.
Spread in a greased 8-inch bake dish, sprinkle with cheese and noodles.
Bake at 375F until bubbly, about 20 minutes.
Recipe Summary
Rate It
Nutrition Rank
Nutrition Facts
Serving size: Complete recipe
Calories 2210 Calories from Fat 1176
% Daily Value*
Total Fat 136 g208.7%
Saturated Fat 64 g320.1%
Trans Fat 0 g
Cholesterol 500.6 mg166.9%
Sodium 5567 mg232%
Total Carbohydrates 123 g40.9%
Dietary Fiber 9.7 g38.9%
Sugars 37.6 g
Protein 144 g288.2%
Vitamin A 41.5% Vitamin C 128.4%
Calcium 132.6% Iron 75.3%
*Based on a 2000 Calorie diet


text:
Photo of the Week: A Business Blooms in Ecuador
November 02, 2012
Floare is helping to protect and preserve Ecuador's more than 4,000 orchid species with its strong focus on conservation.
Dayana Miranda, left, and the management team of Floare display their product: baby orchids. The business is helping to protect and preserve Ecuador's more than 4,000 orchid species with its strong focus on conservation.
In 2011, Floare participated in the business plan competition Siembra Futuro, organized by TechnoServe and SABMiller (Cervecería Nacional). Floare impressed the competition's judges and won $15,000, as well as technical assistance from TechnoServe's business advisors. Dayana and her team worked with the advisors to design and implement a business plan focused on exporting their products.
Floare is conducting scientific research on orchids and helping to preserve Ecuador's biodiversity. In addition to five full-time employees, the company generates indirect jobs for more than 25 suppliers. Having established strong relationships with key clients and suppliers, Dayana and her team are working to improve the company's infrastructure, increase production capacity, develop new products and improve its marketing. These improvements will help Floare create more jobs and economic opportunities.
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The Cargill Agri-Fellow Program helps rural youth to build successful, agriculture-based livelihoods and create a prosperous future for their farming communities.
A New Crop for a New Beginning
After being driven from his land by drug violence, a cocoa farmer partners with TechnoServe to create a fresh, sustainable future.
A Lift for Livestock Livelihoods in Nicaragua
How the GANE project helped small-scale farmers in Nicaragua build a more competitive and inclusive livestock sector.


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Is Optionsxpress incorrect or missing key business information? Update your Hotfrog listing today.
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Hotfrog Singapore provides information regarding Optionsxpress in Singapore. Optionsxpress is located at 1 George Street 07-01A, Singapore 049145 and provides Security services. Contact them on (+65) 6536 3922 or by visiting them on their website http://www.optionsxpress.com.sg.
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Lowes in Paintsville
Posted in the Staffordsville Forum
1 - 5 of 5 Comments Last updated Feb 1, 2015
#1 Dec 29, 2012
My husband and I have spent over 60,000.00 dollars in Lowes over this last year and a half and when trying to take back 5 items today for all totalling less than 100.00 my husband was told he could not take it back. They said we have returned to much items. All we have ever done was have that amount put on a lowes gift card so we could go get more items we needed. I have a rubbermaid box full of lowes reciepts and returning with out haveing to look through everyone of those reciepts was great. But apparently you dont want our buisness because you had to except returned items. Well congratulation, you just lost it and hopefully many more people that we know, because I will not stop until you loose a tremindous amount of buisness in this area. We will be going to F.S. Vanhoose and Home Depot now for our home improvement needs. This is ridiculous and just plain bad buisness when you dont want to except returns of 100.00 to be put on a gift card that we were going to turn around that very day and spend that 100.00 and 200.00 more. Your lost! When I talked to a manager on the phone at Paintsville Lowes they told me their was nothing they could do and when i asked for a number to contact corporate, he gave me a fake number, 188844lowe, apparently you have some really good employees that love to help their customers, Not! I could go on about this for days and I will in other forms like local newspapers and internet, but I think on here you get how frustrated I am. So long Lowes, you will never get another dime from me or my family. Congrats!
#2 Feb 21, 2013
you know it is your responsibility to keep and show your receipt.
Since: Jun 12
Location hidden
#3 Feb 21, 2013
if you want credit or your money back on something..bring in the darn receipt What an idiot!
#4 Feb 22, 2013
We took the receipts in after this and then they said they could only take 6 receipts, so no we are not the idiots, they are and you for being so simple minded to start calling people names when you have no idea how this situation works. Im guessing you have never spent this amount of money on anything. If you have then you would understand the frustration.
#5 Feb 1, 2015
. The number they were trying to give you is 1-800-44Lowes. It's a real number, sounds like you're just dumb. And Lowes is one of the best places about returning stuff. If you don't have a receipt, we also have the mylowes cards that save your receipt. Many of the people yelling aabout not returning something is the same people saying they don't want a mylowes card or who refuses to give their number at the time of purchase (which they do so they can look up your receipt btw.) Sounds like you are just irresponsible.
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