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Firstmerit Bank is an Ohio-based bank and one of the largest located in the Midwest United States. It offers personal and business banking products, as well as investment management and brokerage services. The bank has built itself on a strong focus on serving the financial needs of its community and offers strong lending strength to its customers.
On its personal banking side, Firstmerit offers several depository products to provide vehicles for saving money and growing wealth. Its checking account options offer the most liquidity and vary in features depending on what services a customer wants with it. Several checking accounts earn interest and offer a limited supply of checks. Savings account opportunities come with monthly fees that can be waived by meeting certain requirements, and a health savings account provides a way for customers to save on medical expenses. Firstmerit's Money Market accounts offer increased rates of interest as account balances grow, but have a monthly fee if minimum account balances are not kept. Certificates of Deposit (CDs) are available in term lengths ranging from 30 days to 5 years and have minimum initial deposit requirements. On the business banking side there are many similar products, including a business resource center offering helpful resources and guidance for business management decisions.
Firstmerit Bank online banking provides a secure platform for customers to manage their accounts and perform activities like viewing transaction history, transferring funds, making loan payments, and paying bills. Mobile banking services include an mobile-optimized website and mobile banking apps that make it easy and convenient to bank on the go from smartphone and tablet devices.
Firstmerit Bank is a subsidiary of Firstmerit Corporation, a bank holding company originally established in 1890 as the First National Bank of Akron. Firstmerit acquired Citizens Bank of Flint, Michigan in April of 2013 and began operating its branches. It is headquartered in Akron, Ohio.
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I don't understand the negative reviews. I have been with this bank since 7/2011 and have always had a good experience with them. The branch in Oak Lawn, IL is small and everyone knows me. I always get a "human" when I call direct. My "main" bank is driving me crazy (after 25 years) and I probably should give all my business to First Merit, which I'm debating as I write this.
FirstMerit Bank is a local bank in my community that I like being with. They have accounts made for a person like me with a low income. I don't have to worry about a monthly bank fee being charged to my checking account like other banks just because I have a small bank balance. I'm able to see my bank transactions and pay bills online if I want. They have tellers that are notary of republics and have a call center of people to help me if I have questions. They also have more branches for me to go to than my credit union does. Products they offer that I have used include: a CD, car loan, a savings account, and a couple of checking accounts. They seem to still want to remain a local bank even though they are branching out and I like that about them.
This is the second time they have over charged me, calling it a "Valid fee" since their Mobile online banking is completely false. You can't use it to tell how much you actually have since they delay their charges doing the most to the least so they can screw you over more.
I will never bank with FirstMerit again. They closed my checking account, that had money in it, without even notifying me that it would be closed for inactivity. They never gave me my money back and claimed they took it for inactivity fees. This policy was never told to me when I opened an account or this situation would never have happened. My direct deposit tax return now has no where to go because of their horrible customer service. Their agent had the nerve to tell me I could open another account but they would not reopen my original account or return the money that was in it. I will NEVER bank with FirstMerit again and will let my family, who has been on the fence about a lot of their new policies, to withdraw all their business as well.
I've had a checking account there for about a year or so with no problems. Then I asked a cashier to withdraw a certain amount of money from my debit card - this is where my Social Security goes to - and she wasn't able to. Okay, so I came back in a couple of days and tried again, with the same result. I don't know why, maybe she pushed a wrong button or something? I have no problem using this card at the grocery stores, etc., but here at the First Merit bank it was no good? Therefore, I was unable to make a deposit.
Subsequently my account was closed, and the remaining balance of $21 was withheld allegedly for the bank fees. How do you calculate the bank fees to be exactly $21, beats me. When I contacted the headquarters (in downtown, I think) for an explanation, I was given none and was referred back to the branch in question. Excuse me?? Any reputable bank headquarters would have dealt with the issue, but not this one.
I don't recommend anyone to trust their money to this bank. JMO
We have been with First Merit nearly 20 years in Mentor, OH. It's been okay - until recently. Seems like staff is always the issue. After 15 years of depositing payroll checks sometimes three times a month, the new teller said I had to have a two day "hold" on my check. "Why?" I asked. It seems that since I work out of the area (nothing new) and that check is from another bank (Again, nothing new), First Merit has to "Hold" it until it clears.
I was mildly outraged. Unbelievable to me. I wasn't very nice to them when I stomed inside and am trying to convice my business partner to change banks.
It was a much more pleasant experience when the old timers were always there, but no one is left and we are just a numbered account. Sort of sad to see business run that way...especially when they have my money...
I recently left First Merit after a LONG string of bad customer service experiences. In addition to tellers that are not very knowledgeable, the website performance leave much to be desired. More often than not, when attempting to log into the website, it immediately kicks you back to the log in screen after entering your ID and Password. Additionally, many times throughout the day, customers are unable to access their account due to "regularly scheduled maintenance" errors.
Online banking is not reliable with First Merit. On more than one occasion, the bank failed to print all the necessary routing information on the payment to be processed for my water bill and cable bill. The branch manager apologized and admittted that the error was the fault of First Merit, but that she couldn't do anything about the late fees generated as a result, instead insisting that as a customer it was my responsibility to make sure the payment went through successfully.
When leaving the bank, one of my accounts was not closed properly, allowing an automatic bill pay to be sent through and the payee being told there were insufficient funds (exactly zero, since I thought I'd closed the account) and me being charged a $25 NSF fee.
Would not recommend this bank to anyone! Their branches are not conveniently located, and the service is well below any other bank I've done business with.
FirstMerit seems to have lost it's appreciation of it's customers. Here's the story...
In the interest of disclosure, this did not happen to me. It happened to a close teenage friend of mine. I am the manager of a business and do the business banking and my personal banking with FirstMerit so I tried to help him out as you will see below. On August 18, 2012 my friend (James Miller) went to the Berlin branch of FirstMerit to deposit a check of $504. It was a Saturday and James was aware that the check might not clear until the following Monday. James wanted the money deposited in his account that day or the check cashed as he had some large purchases to make that day. He asked the teller if there was any way to deposit the check directly into his account that day. The teller told him she could cash the check then deposit the cash into his account and the money would be available immediately. James said this would be great and made the deposit. Throughout the day he made 19 purchases with his debit card. On Friday of the next week James noticed online that his account was overdrawn. The teller had not cashed the check and deposited the cash the way she said she would and the check did not clear until Monday of the following week. FirstMerit charge James' account 19 overdraft charges at $35 each for a total of $665. James immediately went into the bank and talked to the manager at the Berlin branch. She said she would talk to the teller who processed the deposit and get back to James. She did not call back. James called or stopped in again and talked to the manager. The manager said the teller did not remember anything about the transaction. The manager said she could only refund James $180 out of the $665. That is when I got involved. I talked to the branch manager (she would never call me back when she said she would) and could not get anywhere with her. She got rather upset that I was pushing the issue when I did talk to her. I called corporate and tried to explain the situation but they said we had to talk to the branch manager and they could not do anything for us. With some research I got the branch manager's boss's number (district manager) and talked to her. She was nice but after looking into the situation said she could not refund any more than the $180.
Needless to say, we are quite upset that a teller error cost James $665-$180=$485 and several of James friends have pulled their money out of FirstMerit, closed their accounts and moved to PNC. I am considering doing the same for myself and the business I manage.
I would strongly urge you to think twice before opening an account with FirstMerit bank.
|FDIC Certificate #
|Year Established
|Primary Regulator
|Profit Margin
|Return on Assets - YTD
|Return on Equity - YTD
|Annual Interest Income
|Assets and Liabilities
|Q3 2016vs Q3 2015
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Rates for Firstmerit Bank, National Association are currently being reviewed.
Firstmerit Bank, National Association has 1,054 locations. Click to view all Firstmerit Bank, National Association locations.


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Meet Holly Sonders, the cover girl for Golf Digest's April issue. This 26-year-old "Morning Drive" personality and former collegiate golfer is featured in a photo spread and interview that touches on a variety of things, from her career-ending injury to her fake tooth.
GD: "When the show started, the hosts were behind a desk, but you sat on a stool away from them and were usually wearing short dresses and heels. Were you comfortable with that?
Sonders: "Some people would comment, 'You're objectifying her.' There was just no other place to put me, honestly. The cameras were in the wall. I dress the way I dress because style is very important to me. I love being a girl. You can be a pit-bull competitor. You can want to kick people's a**es in every sport, but you can still be feminine and still be sexy."
GD: "How hard was it to give up competitive golf?
Sonders: "That was a sad time, to be 20, 21 years old and know your dream of playing professionally is over. After the surgery, I couldn't walk for many, many months my junior year at MSU. I came back from that but could never play the same again."
GD: "And now you plan to be a golf instructor?"
Sonders: "That's a big goal, to become a certified PGA of America teaching professional. I would love to be able to communicate to our audience that way."
GD: "Anything else you'd like to share?"
Sonders: "One of my teeth is fake. If you can't tell, I'm not telling you which one it is. It's a very prominent tooth. Got knocked out in the second grade."
April's Golf Digest is on newsstands or available to download now.


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Texas A&M lineman Luke Joeckel still undecided about draft
FORT LAUDERDALE, Fla.—The man many analysts project to be the first offensive lineman selected in April's NFL Draft is still unsure if he wants to jump to the NFL rather than return to Texas A&M for his senior season.
Luke Joeckel, the Aggies' 6-6, 310-pound All-American left tackle, told CBSSports.com Sunday afternoon that it is very tempting to return to College Station -- where the Aggies, coming off an 11-2 record and a Cotton Bowl destruction of Oklahoma -- are primed to make a run at a BCS title.
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"I love my teammates and we have such a great team coming back," Joeckel said. "It'd just be so hard to leave College Station and leave my friends. We have a lot back, too. We do lose Damontre (Moore) and we have senior linebackers, but we think we have some guys that will step up.
"It's just a rough decision both ways. There are so many pros and cons. It's going to take a lot of time and a lot of prayer."
Some NFL draft analyst have predicted Joeckel could go in the top three picks if he decides to leave early. The Aggies' other starting tackle, Jake Matthews, also a junior, is projected as a first-round pick as well. Matthews' father is former NFL great Bruce Matthews, who Joeckel says has been a great sounding board for his family.
"My dad has called and talked to him a few times," said Joeckel. "[Bruce Matthews] has helped a ton. He's a little bit different (than the typical NFL O-lineman). Not many guys, especially linemen, can play in the NFL for 19 years. He had just one of those indestructible bodies. It's crazy.
"Me and Jake talk about it, too. We don't talk about it all the time because we had a big bowl to play against OU, and that was one thing about me and Jake, we were solely focused on playing football. We weren't worried about the NFL. That was a good thing but it's also a bad thing because now we have to make our decision in 10 days. We'll keep in touch and pick each other's brains."
Asked about the compelling factor besides the obvious financial reasons, Joeckel pointed out that he has jumped at opportunity before.
"I graduated high school early because the opportunity presented itself and I knew I had the chance to play early and I had to step up and make that decision. I think that was a great decision for me. It's the same thing with this I feel like. The opportunity is there. Who knows what is going to happen next year? There's (potentially) injuries. We're in the tough SEC. Who knows? The biggest 'pro' is to take your opportunity when it's there. It's going to be such a hard decision."
Heisman winner Johnny Manziel, hoping Joeckel and Matthews return for their senior seasons, hasn't been shy about reminding his buddy about all the fun they've had this season.
"He's having some of the great times of his life," said Manziel. "This year has been so been so fun, and that's the main thing I can't stress enough is how much fun it has been. So much fun. We have a ton of pieces coming back, and the sky is the limit for us next year. I feel like we can do a lot of things next year. We have a favorable schedule. If him and Jake come back, that's two great tackles and future first-round draft picks
"People have asked me, 'What do you want to do next?' That -- the national championship -- is on top of the list for a sure. It's not a Heisman."
The deadline for underclassmen to apply for the draft is Jan. 15.


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Government of Canada Supports Fellowship
Published:December 20, 2016
INAC contributes $250,000 to support the next generation of northern leaders.
Celebrating UNESCO's Newest World Heritage Site
Published:August 23, 2016
Congratulations to Deline and everyone who worked so hard to establish the Tsá Tué International Biosphere Reserve.
Historical Mackenzie Documents Now Available Online
Published:August 15, 2016
Historical information on freshwater health in the Mackenzie River Basin is now accessible online.
Fort Nelson First Nation joins Mackenzie DataStream
Published:June 9, 2016
Thanks to CIRA's Community Investment Program FNFN joins the 21 communities in the NWT with open access to freshwater data.
The Next Generation of Northern Leaders Gather in Ottawa
Published:February 4, 2016
The Jane Glassco Northern Fellows met in Ottawa for an inside look at public policy development at the federal level, and met with notables such as the Hon. Carolyn Bennett, PC, MP and the Rt. Hon. Joe Clark, PC, CC
New website makes NWT community-based water data easy to access
Published:November 3, 2015
2015 Elizabeth L. Gordon Art Program Grants Announced
Published:September 14, 2015
The Ontario Arts Foundation and The Gordon Foundation are pleased to announce the 2015 grants from the Elizabeth L. Gordon Art Program.
Majorities in Arctic Nations Favour Co-operation with Russia Despite Ukraine; See Rising Northern Military Threat
Author(s):The Gordon Foundation
Author(s):Institute of the North
Author(s):EKOS Research Associates
Published:April 22, 2015
A survey of 10,000 respondents in countries with Arctic territory reveals major differences of opinion on issues ranging from Arctic co-operation with Russia to the threat of military conflict north of the 60th parallel, to whether the Northwest Passage is a Canadian or international waterway.
2014 Elizabeth L. Gordon Art Program Grants Announced
Published:January 6, 2015
The Ontario Arts Foundation and The Gordon Foundation are pleased to announce the 2014 grants from the Elizabeth L. Gordon Art Program.
Impact and benefit agreement workshop looks to arm Yukon First Nations with negotiating tools, and learn from local experience
Author(s):The Walter and Duncan Gordon Foundation
Author(s):The Firelight Group
Published:August 13, 2014
WHITEHORSE – The Firelight Group and Walter and Duncan Gordon Foundation will welcome Yukon First Nation leaders and managers of lands, resources and heritage departments to Whitehorse on Aug. 13, 2014, for a one-day Impact and Benefit Agreement (IBA) and Negotiation Workshop. The workshop will be led by negotiation experts from across the country.


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Valentine's Day was a lot more fun in elementary school, I think we can all agree with that. Everyone gets a V-Day card and candy along with it, and no one feels left out. Nowadays, things are a bit more complicated. In a world where material … [read more...]
Today's Fondant Friday
For today's Fondant Friday we will be featuring the custom fondant cakes from Pretty Sweet. Located in Cameron Park, CA, owner, Musarrat Afshan has been providing personalized cakes, cookies, and sweets for all occasions for 12 years! The name of … [read more...]
Kid Friendly Baking Recipes
The wintertime can be brutal. Cold and inclement weather can get the better of us and force us to stay indoors. And it's not just the adults who get a little stir crazy. Kids get a bit frantic and wish for new activities to entertain them. Baking is … [read more...]
The Best and Most Simple Buttercream Frosting Recipes
Buttercream frosting is the best addition to any treat! Buttercream frosting goes so well with so many desserts! Add buttercream to cookies, cakes, cupcakes, brownies, etc! The possibilities are endless! Vanilla Buttercream Frosting A classic … [read more...]
A Snowy Cake to Get You in the Winter Spirit
A winter inspired recipe to warm you up during the cold months! The summer has come and gone and autumn went away faster than a cool, fall breeze. Winter is here in full swing, whether you love it or are wishing for sunny skies and sandy beaches … [read more...]
Baked Oatmeal: Dessert for Breakfast
Dessert for Breakfast? Oatmeal has been a staple breakfast food for forever. I've enjoyed oatmeal in a variety of ways throughout my lifetime and baked oatmeal is, by far, my favorite way to eat oats. Oatmeal is perfect for people hoping to get a … [read more...]
Best Bake Books for Baking Fanatics
Let your baking connoisseur shine through with these awesome baking books! You don't need to be a pro to enjoy these books of sweet treats. The Cake Book by Tish Boyle An overall essential book for all cake enthusiasts. The recipes included in … [read more...]
Girls Birthday Cake
If you have been searching for days to find girl birthday cake ideas how do you know which one to choose? This girls birthday cake can be transformed for anyone really, depending on the color you choose. You can choose to use blue icing and … [read more...]
Fruit Inspired Cupcakes
Fruity cupcakes that look delicious, are easy to make, and will satisfy your sweet tooth! Who doesn't love a nice refreshing dessert? Sometimes instead of super rich and sweet desserts, it's nice to have something a bit lighter and more healthy. … [read more...]
Football Cake
Super Bowl 50 is just around the corner. That means that it's time to start getting all of your party plans in order for the big game. When thinking of which super bowl desserts to make, you can never go wrong with a cake that relates to what the … [read more...]
Another Fondant Friday Post
Well today is Friday, so you all know what that means...another Fondant Friday post to look forward to! This week we are featuring the custom fondant creations of Cathy's Custom Cakes. Since 2009 Cathy Burnheimer and her team have been creating … [read more...]
Valentine's Day Cake Pops
Valentine's Day will be here before you know it and you're either extremely excited for it or dreading it's arrival. Valentine's Day can be a day filled with love and affection and delicious desserts. Or it can be a day where you scoff at all … [read more...]
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This is our studio site. Among other things, we run two businesses:
Field Notes Brand and The Deck Network. Visit them please.
Fresh Signals
"In support of Neymar and Dani Alves for their stance against continued racism, here is a poster encouraging all World Cup teams and their fans to say no to racism in football." warholallmonkeys. Thanks Stephen ONeill. -jc.05.02.14 #
A post from the daily flow of linkage called Fresh Signals, at Coudal.com.


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6 Weather Morning Forecast for Aug. 20, 2010
A weak frontal boundary will push through the area on Friday. Scattered showers and thunderstorms will be likely. Some of the those could be locally strong with high, damaging wind gusts being the main threat. Heavy downpours and frequent cloud-to-ground lightning are also expected. With some sunshine, temperatures should climb into the lower and middle 90s.
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A new year (and new recipes coming here!)
This sleeping beauty is in my arms right now. I feel so blessed. 2014 was a tiring, busy year for us, but the ending was very sweet. In late October we moved (again, I know!) and not only is Joshua's commute half of what it was before, we're not renters anymore (!!). In November, our 6th baby was born, a boy we named Yoseph ("Yahweh has increased").
I've been taking it easy since giving birth, but at 2 months postpartum I am finding my energy returning. It's been ages since I added new recipes here, but the good news is: I have new ones to add! A few are ones I've created myself in the past year and some I've tweaked from other sites. Because I may have stopped blogging, but I never get to stop cooking, right?!
I have some very basic goals for 2015. One goal is to regularly blog and share our new favorite recipes and meal plans. The other goals -- well, I'm sure you'll hear about them through my blogging. :)
Thank you, everyone, for your patience with me, as well as through all the website issues we've had in the last 2 months. Much thanks goes to my dear husband Joshua who has spent many hours fixing things on the site (with plans for a re-design, yay!). I almost can't believe anyone still read my little blog, but from the comments and emails, I know it's true. THANK YOU!!
What a beautiful baby boy!
What a beautiful baby boy! Excited to see new recipes from you, as well! I'll stick around as long as your blog exists. :-)
What a beautiful little
What a beautiful little blessing! :-) So glad to have you back - your recipes are always a big hit around our house!
Congrats, and glad you are back!
Hi Tammy: I enjoy reading your blog, we share a lot of common interests. Congrats on the new baby! Babies are such a blessing! Looking forward to new recipes!
Glad to see you back. Just
Glad to see you back. Just wanted to comment that I check in now and then to see if you've posted. Thanks for the baby pic! You are blessed. And we are blessed you share it with us! God is good. Shabbat Shalom!
Congratulations on your new addition to the family. He's a very pretty baby.
Congratulations on the new baby. :)
New Year, New Baby
What a precious little one is Yoseph! I know he will be such a blessing to your family. I've wondered what you were up to, but because I've been very busy myself I haven't really gone looking you up, although I still refer to a couple of your blogs now and then. But I AM really glad to see that you are back. I hope you don't change the site too much; I really love the beautiful plaid and reds in your design. When I was young my family moved a lot and I know what it is to change everything up often. I'm glad you have a kitchen you can live with and enjoy. I'm like you, if my kitchen isn't working, I'm not happy. Well, I usually do whatever I can to make it work better until I'm satisfied. The Lord is good and I'm grateful for what I have, and that He gives me ideas that are practical. Welcome back, Tammy!
Glad your back.
I am always coming back and trying new recipes or one I have tried and lost. I find myself looking at your menus for help and stories of the kids. I am glad your back.
Well hello again Tammy! You are one PRETTY, busy girl! (by the way, I forget, how old are you?) Congrats on having a home of our own!!! May you now get to feel really settled! All of your babies are so precious, congrats!
Beautiful Baby
Welcome back. Wow, with 6 children to take care of, it is no wonder you are slowly recovering! Your baby is so sweet looking. Makes one want another. Thank goodness I am past childrearing lest I have a dozen! Take care. (I just love the look and smell of babies. I carried mine around just to smell them and have them near.)
Welcome back
Delurking to tell you how happy I was to see this in my reader! Welcome back, and congratulations on your beautiful baby and your new home!
Welcome Back
Beautiful baby boy! And it's so good to read your posts again. Looking forward to lots of new recipes and news of your sweet family and new house. I've missed you!
Welcome Back
Congratulations on your beautiful baby boy and your new home! Your life has definitely been busy so thank you for continuing to make time to share your life and all those yummy recipes :) with us. Many blessings to you and your family!
So Glad You're Back!
Congratulations on your sweet little one! And I'm so happy you'll be blogging again. This site has been one of my favorites for several years (since I was in high school I think and I'm in my last year of college now.) Your recipes are always good and have been a major source of inspiration for my own cooking. My siblings love your Italian Cheesy Bread and Pumpkin rolls, and after first learning about it from you, I have finally jumped into making my own kefir (and putting it into everything.) Looking forward to your most recent creations!
Glad you're back
Congrats on the sweet baby boy. I'll be looking forward to seeing new recipes- I still refer to your blog during my menu planning!
A new year (and new recipes coming here!) | Tammy's Recipes
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Ιn the bedroom from her home, one of Erin Gates' beloved rooms, she mentions "the lightest fuchsia (Benjamin Moore Blanched Coral reefs) deals with the wall structures, yet the womanliness is tempered along with visuals black and white emphases."
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Researchers learn more about the protective effect to allergies granted by early-life dog exposure.
This website is based on journalist reporting. The information it contains is meant as general guidance and is not to be interpreted as diagnosis and treatment of individual patient conditions. For such specific medical advice, visit an allergist or pulmonologist.
© Copyright 2017 AGW Publishing Inc.
All Rights Reserved


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Decisive: New Currents in Street Photography
Sixteen Mile Arts Photography Gallery will showcase SIXTY (60) photographs for the exhibit, with thirty (30) prints & thirty (30) images in rotation on our digital screen. The exhibit will run throughout August, 2016
The great street photographers typically used small rangefinder cameras to capture spontaneous moments & people without being noticed. Whatever our tools may be, the street photographer is always an observer, looking for the decisive moment before it's gone.
As Henri-Cartier Bresson, the father of modern street photography says…
"…Photographers deal in things which are continually vanishing and when they have vanished there is no contrivance on earth which can make them come back again." HCB


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Pittsburgh Post-Gazette
The Allegheny County medical examiner's office has identified a man whose dead body was found floating Monday in the Ohio River.
Medics pulled David Meredith, 50, of Ridgemont, from the river after two fishermen spotted him near Brunot Island in McKees Rocks about 2:15 p.m.
It was not immediately clear how Mr. Meredith died. Workers in the medical examiner's office said on Tuesday that they were waiting to receive the results of additional tests before they release the cause and manner of his death.
Allegheny County homicide detectives are investigating.neigh_west
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Expert Service 1-661-257-9993 [Hours]
Cardioid Condenser Instrument Microphone
Get FAST answers from customers ASK a Question See questions answers
Cardioid Condenser Instrument Microphone
Packaged in a small, rugged, all metal housing, the GXL1200 Condenser microphone provides a transparent sound reproduction. The transformerless design of this instrument microphone allows it to have low distortion and optimum low end frequency response. The GXL1200's size, accurate sound reproduction, and high SPL capability, make this a great choice for miking overheads, high hats, cymbals, woodwinds and stringed instruments. zZounds is an authorized dealer of CAD products.
Product Features:
- Generating Element: Externally Biased Condenser
- Polar Pattern: Unidirectional (Cardioid)
- Frequency Response: 30-20,000 Hz
- Sensitivity: Power Level: -36dB 0dB=1mW per 10 microbars / Open Circuit Voltage: -56dB 0dB=1V per microbar
- Impedance: Low (Less than 200 Ohms)
- Equivalent Noise Level: +14dB (A-weighted)
- Power: P24V or P48V Phantom Power
- Connector: 3 pin XLR
- Phasing: Positive pressure on diaphragm generates a positive voltage on pin #2 relative to pin #3
- Weight: 126 Grams
- Dimensions: 7/8"L x 7/8"W x 5-3/8"H
- 1-year Manufacturer's warranty
Microphone Specifications
Wireless:All of these microphones can be used without the necessity of wires or cables to connect them. They usually come with a receiver that connects to the input device where the audio signal is being sent.
Shotgun: These microphones are suspended on a boom and are used primarily in video production and broadcasting.
Lavaliere: These microphones are clipped on to the lapel or tie of the talent for broadcast and video production audio.
Table Top: These microphones are designed with a built in stand or to be placed on a table top stand to be used for broadcasting and podcasting applications.
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Handheld: These microphones are held in the hand and are used in a wide range of applications primarily vocals and public address.
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Drum Package: These microphones are an all in one package for drums typically made of dynamic Kick, Snare, Tom, and a stereo condenser pair of overhead mics for Cymbals.
Guitar Amps
Efficiency (1w/1m) is not an accurate indicator of a subwoofer's output capability and should not be used as a comparison to other speakers or subwoofers to determine which one is "louder".
Specials with this Item
Warranty and Return Policy
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Warning: The image depicted shows the resistance change when wiring multiple subwoofer terminals. Please refer to your subwoofer's owner's manual for the proper wiring of its terminals. Sonic Electronix, Inc. is not responsible for damage caused to your audio system or vehicle due to improper installation. Please call tech support at 1-877-289-7664 if you require additional assistance.
Product Name: CAD GXL1200
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This is your resource to discuss support topics with your peers, and learn from each other.
Our client says that the network connection of the application is slow while using 3G/EDGE, and they say that the application will be fast if we change the APN from gprs.qtel(Qatar Telecom) to blackberry.net.
As searched the forum i found some strings to add to the connection URL:
url + ";deviceside=true;apn=blackbery.net"
url + ";deviceside=true;apn=blackbery.net;tunnelauthuser
To use blackberry.net as APN, should I use one of the two lines on my application?
If I should use the second line, how/where can I get the username and password?
And I use the connection order as: WIFI >>>WAP2 >>> BIS >>> BES >>> DIRECT_TCP
Should I change this order?
And should I use the lines above in WAP2 and DIRECT_TCP only?
I was not aware that blackberry.net was a valid APN.
I am also not sure why the connection via this mechanism would be any faster than any other wireless connection. So I would ask your client why it will be faster.
With respect to wireless connections, the only change you are making is the gateway from the wireless connection to the Internet, The slowest part is most likely the wireless network. So on the surface anyway, changing the gateway will make no difference to performance.
With respect to the connections, the order that you are specifying (WIFI >>>WAP2 >>> BIS >>> BES >>> DIRECT_TCP) suggests, to me anyway that you are most likely to go through the WAP gateway before you use the APN. So unless you know you are using the APN, you will not improve the speed making this change.
I would actually find out what connection path you are using, time the various parts of this process and make sure that you know how much data you are sending and receiving over this connection. You might find something else is the problem, for example, the volume of data involved.
Thanks for your answer Peter.
My client still insists that I should change the APN to blackberry.net.
So I changed the connection string for DIRECT_TCP to
url + ";deviceside=true;apn=blackbery.net"
and disabled WAP2 to test DIRECT_TCP, and I got "Tunnel failed java.io.IOException"
Is it possible that blackberry.net is not supported in my country (Turkey) and may work in Qatar?
Or Am I doing something wrong (e.g. should I add a username and a password like I mentioned in my first post) ?
If you look here, you will see that some carriers do use blackberry.net as a way to provide direct TCP access on the device:
So it is possible that it won't work in one carrier and will work in another. Perhaps this is what your client is referring to?
Username and password are required by some carriers and not by others.
You can specify carrier TCP settings in two places:
a) On your request
b) In your device's TCP settings
See here and the linked articles for more:
But if the APN settings is not correct you will see tunnel failed.
But the real issue for me anyway is the assertion that this will perform faster. I see no reason why it should.
So for me, your priority is to do this (copied from my previous post):
"I would actually find out what connection path you are using, time the various parts of this process and make sure that you know how much data you are sending and receiving over this connection. You might find something else is the problem, for example, the volume of data involved. "


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No good feet right either, Holli?
My gardening achilles is my eyes. I start pruning away at some small shrub
with lots of branches. I go at it with a vengence, leaning in to get this
one or that, and invariably poke myself in the eye. Hard.
----- Original Message -----
From: <email@example.com>
To: <firstname.lastname@example.com>
Sent: Monday, May 23, 2005 2:24 PM
Subject: [CHAT] Got alot done this weekend
> Dispute my fall backs earlier last week I managed to plant Veggies!! I
> way behind though..
> Seems the Robin's babies have arrived THANK GOD.. maybe we can now get
> soil/garden soil hauled into the yard without her attacking us soon..
> Hubby had decided to get new park benches.. because of rain they were in
> the living room for awhile.. but then he decided not to get ride of the
> ones.. he decided to rebuild them (yeah sure) So he took them apart..
> needless to say.. I was trimming trees.. didn't see that he had them
connected by
> a steel rebar type of thing.. sun in eyes.. and just plain old!
> Yep...walked right into it... thing is it was the GOOD FOOT!
> Now we don't have any good feet left!
> What seemed to be something so minor has become a major thing.. this
> happened over a week ago.. but with using it climbing in the barn and
> stuff.. I wasn't able to walk Sunday.. had to go to work which made it
> off to Doc's tomorrow... YUCKERS!
> Holli
> ---------------------------------------------------------------------
> To sign-off this list, send email to firstname.lastname@example.com with the
> message text UNSUBSCRIBE GARDENCHAT
To sign-off this list, send email to firstname.lastname@example.com with the
message text UNSUBSCRIBE GARDENCHAT


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Memorable sex encompasses more than just the accessories and partner at hand. Other senses like touch and smell impact the entire enveloping experience. If you are a person that likes quality and appreciates the darker fetish style sex, this leather harness will surely appeal to all desires and complete the mood of your evening. The genuine leather scent set the tone for some serious erotic play while the excellent quality stitching will last years to come. Open crotch design is suitable for men to wear, the penis and scrotum hang undisturbed below. When worn by a woman, the most important bits for pleasure remain exposed, never impeding your creativity in the bedroom. Thong style back adjusts in 3 places assuring it rests perfectly against your body no matter your shape. The Vac-U-Lock Ultra Leather Harness is the base harness to choose when creating your own strap-on harness kit. Please note the dildo in the 1st in the photo is not included. The red plug is included which attaches to any of the Vac-U-Lock attachments we have for sale. * DILDO NOT INCLUDED. Click to view all Vac U Lock attachments. Maximum Waist Size: 46 inches Harness Material: Leather Latex Free: Yes Phthalates Free: Yes
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Listen to free music by The Hula Girls
Blip.fm is internet radio made social. It's easy to search for, play, and discover free music recommended by real people. Join today to create your own free station.
mark_till The Hula Girls - Curse of the Tiki - Don the Beachcomber's 9-17-11 rb @MissKatonic (reblip)
Apr 4, 2013 at 10:16 am via YouTube | AMAZON | ITUNES
The Hula Girls – Longboard Baby in 720p HD| play
May 22, 2011 at 3:11 pm via YouTube | AMAZON | ITUNES
motthoople The Hula Girls band at Tiki Oasis 2010
Sep 6, 2010 at 3:10 pm via YouTube | AMAZON | ITUNES
Artists Like The Hula Girls
Blip.fm DJs who play The Hula Girls
Friends: MerchantCircle | Charity Blossom | Website Load Testing


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Soholaunch Pro web site builder is good for beginners and professionals alike. Professional web developers can build custom web site templates for their customers, then plug Soholaunch into their source code, and the web site owner will have the ability to use the Soholaunch back-end to manage their web sites. Developers will appreciate things like text, graphic or other redundant updates which can now be handled by the web site owner. Beginners, or those who like to take the "Do It Yourself" approach will appreciate the easy to use web site builder interface, and hundreds of templates that can be used to create their web site. Soholaunch web site builder allows you to build your web site online, without having to know HTML code or without the need to have any HTML or code editor software on your PC. All web hosting plans include complimentary access to our web site builder, Soholaunch.
Soholaunch online web site builder for business is included in every shared web hosting package. Soholaunch is packed with features that make building a web site easy! Soholaunch eliminates the need to purchase expensive HTML editing software. There is nothing to install on your computer or any additional fees to use the Soholaunch site builder. This site builder comes with over 100 stock templates and is compatible with your very own custom-built templates. Great for the total beginner as well as seasoned professional that wants to offer a site builder to their web design customers. All shared web hosting plans also include a 15 day trial to Soholaunch Pro.
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- Books
- Society, Politics and...
- Politics and Government
- Political Ideologies and ...
- Political Science and The...
A Short History of Western Political ThoughtBy: W. M. Spellman (author)Hardback
2 - 4 weeks availability
DescriptionThis brief narrative survey of political thought over the past two millennia explores key ideas that have shaped Western political traditions. Beginning with the Ancient Greeks' classical emphasis on politics as an independent sphere of activity, the book goes on to consider the medieval and early modern Christian views of politics and its central role in providing spiritual leadership. Concluding with a discussion of present-day political thought, W. M. Spellman explores the return to the ancient understanding of political life as a more autonomous sphere, and one that doesn't relate to anything beyond the physical world. Setting the work of major and lesser-known political philosophers within its historical context, the book offers a balanced and considered overview of the topic, taking into account the religious values, inherited ideas and social settings of the writers. Assuming no prior knowledge and written in a highly accessible style, A Short History of Western Political Thought is ideal for those seeking to develop an understanding of this fascinating and important subject.
Create a review
About AuthorW. M. SPELLMAN Professor of History at the University of North Carolina, Asheville, USA. He is the author of A Concise History of the World since 1945; European Political Thought, 1600-1700 and John Locke, all published by Palgrave Macmillan. He also co-authored The West: A Narrative History (Prentice-Hall, USA).
ContentsIntroduction: Civil Society and Human Flourishing City States and Republics, c.400 BCE-400 Heavenly Mandates, 400-1500 The Emergence of the Sovereign State, 1500-1700 From Subject to Citizen, 1700-1815 Ideology and Equality, 1815-1914 Breakdown and Uncertainty, 1914-2010 Conclusion Endnotes Index
Product Details
- publication date: 08/06/2011
- Format: Hardback
- Number Of Pages: 200
- weight: 446
Delivery Information
- Saver Delivery: Yes
- 1st Class Delivery: Yes
- Courier Delivery: Yes
- Store Delivery: Yes


text:
Eton Institute Represents the UAE at International Education Conference
Eton Institute showcased the excellence of language training in the UAE at the April 2014 EAQUALS International Conference.
Dubai,UAE., May 8, 2014 - (PressReleasePoint) - Eton Institute, the UAE's largest language and professional development training centre, provided expert insights on developing skills for language training professionals in Budapest last month at the EAQUALS (Evaluation & Accreditation of Quality in Language Services) annual conference. Attended by over 200 language education professionals from over 30 countries, the event gave participants the opportunity to share best practise in the classroom, including quality management, curriculum and assessment as well as business and marketing management.
As one of the first institutes to achieve EAQUALS accreditation in the region, Eton Institute shared its expertise in putting the customer at the heart of cultural language training, both in and beyond the classroom, and how being in a culturally diverse environment can benefit language learners.
"The UAE is a truly multicultural society, blending many different languages and backgrounds. We actively recruit people from all over the world; our team includes more than 50 nationalities and speak more than 20 languages, creating a rich cultural environment. This means we are perfectly placed to create a unique customer experience that is both engaging and very personal. Each student becomes part of the Eton Institute community from the very first time they contact us," commented Erica Hunt, Learning & Development Manager at Eton Institute. "Through our cultural evenings, free courses, travel blogs, restaurant outings and other popular community events, we take learning beyond the classroom, giving students the opportunity to experience an exciting range of languages in real life, social situations," she added.
For more information about Eton Institute's language courses and upcoming cultural events visit www.etoninstitute.com or call 800 ETON (800 3866) to speak with an advisor and learn about similar offers and services offered by Eton Institute.
About Eton Institute:
Eton Institute is an international language training and professional development provider, offering internationally accredited courses in over 100 Languages, Teacher Training, Computer Training, Business Skills Training and customised Corporate Training solutions.
It offers flexible timings and uniquely tailored courses to suit the learner's needs. All training is facilitated by highly qualified and experienced instructors, teaching practical skills while maintaining competitive prices for individuals and businesses.
Headquartered in Dubai-UAE with operations in the Middle East, Europe and America, the Institute offers training both in-house and onsite, leveraging considerable experience in providing solutions that fit an individual's or an organisation's needs.
For additional information please contact:
Moaz Khan
Marketing Director
Eton Institute
Ph: +971 4 4386 818
Press Contact:
Moaz Khan
Knowledge Village,Block 3
04 4386826
Email partially hidden to block spam. Please use the contact form here.
This press release is licensed under a Creative Commons Attribution 3.0 Unported License. Read full copyright information here.


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Hello i'm mandy , but you can call me kohana (Friends can call me hana too)
I am 19 years old and I live in germany.
I am a fan of Japanese street fashion and the Japanese teenagers in harajuku.
As soon as every Fashion label there.
I hope I can show you in my picture my emotions , unfortunately I have no good camera , so I take them with my mobile phone camera , that I can handel very good.
I hop
I hope you like my pictures
Anyway have fun and a good life


text:
customer comments
I look forward to shopping with you again as your clothes are simply sensational!
I received the Alice Dress yesterday, it is really beautiful & fits better than anything I have ever owned. Thank you.
The cardi and skirt both fit well and are both really lovely pieces, thank you!
I have received the Chicago Dress. Thank you. I have fallen in love with this dress!
Thank you for the speedy dispatch of the blouse.
I saw your beautiful Chicago dress last week. Having spent all week thinking about it, I bought it. It looks even better on me (which isn't often the case!) - i'm so pleased with it. I think this will get expensive, but well worth it - what a fantastic range. Please keep the designs coming.
Thank you very much for the fast delivery - the parcel was here on Tuesday! The dress is absolutely beautiful and the size is perfect! So I will take it with me for a ceilidh in Scotland next month.
Today I got your parcel - I was surprised, so fast! Thank you very much, so now it will be enough time for my daughter's birthday. The "La Scala" dress fits perfectly, so I'm still thinking about buying the "Virginia" dress maybe, it's sooo beautiful...
The dress has the perfect size for my daughter! She just loves it!
I love this skirt! the quality is fantastic and it fits perfectly. Also, it was delivered the day after I ordered it. It couldn't have been any quicker.
I visited my daughter in London and found your dream of a shop bought two lovely dresses. What lovely service.


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Hi Mike,
Fine Gardening comes bimonthly. There is no March issue so its February,
April, June. etc. They are always two months ahead, it seems.WGS
W. George Schmid
Hosta Hill - Tucker Georgia USA
Zone 7a - 1188 feet AMSL
84-12'-30" West_33-51' North
----- Original Message -----
From: "Viktoria Serafin" <email@example.com>
To: <email@example.com>
Sent: Tuesday, February 11, 2003 11:39 AM
Subject: Re: Hosta article
> AHS/Hosta Journal doesn't! While other magazines run months ahead of the
> calendar, they run months behind.
> This is not intended as criticism of invaluable volunteers, who do all the
> work. I'm just amused.
> Subject: RE: Hosta article
> > Doesn't anybody realize that it's still only February. What is up with
> > these April editions.
> >
> > Mike
> ---------------------------------------------------------------------
> To sign-off this list, send email to firstname.lastname@example.com with the
> message text UNSUBSCRIBE HOSTA-OPEN
To sign-off this list, send email to firstname.lastname@example.com with the
message text UNSUBSCRIBE HOSTA-OPEN


text:
More Videos...
more of the big dog s-10
2 more runs of Frank's big block s-10...a 6.15 and a 6.14!!
Turbo S10 Cracks 8s at 155! K.P. Tuning
Went to the track for some testing and ended up cracking 8s at 155mph but blew a valve cover gasket ending our day. Made a few small changes and will be at a track rental this weekend, check back for updates results.
Franks s-10 at cwf dyno (600 horsepower)
Chevy S10 Dyno run at CWF Dyno services Dynojet
BigDog vs the World Pro Mods Piedmont Dragway
I had to cut up the video to get it under 10 minutes. However, it has all of qualifying and eliminations from the Triad Thunder Series May 17th.


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The average human thinks that bunnies use dirt, straw and grass to make their dwellings, but Bunnies live just like us; only underground. This picture recently surfaced on the Internet. Apparently the US Government found it buried in highly complex code by sheer chance. The chances of humans actually decoding even 1 of the billions of signals that babyanimalz send out each day over the world wide web are 1 in 3.2 trillion.
To astute babyanimologists, this is not suprising at all. Baby animals are vastly intelligent with IQ's in the 400 range. The average humans IQ is only 100 or so.
VN:F [1.9.22_1171]Baby Bunny Online and Underground,
More Cute Baby Animals:
Fatal error: Uncaught Exception: 12: REST API is deprecated for versions v2.1 and higher (12) thrown in /home/babyanim/public_html/wp-content/plugins/seo-facebook-comments/facebook/base_facebook.php on line 1273


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Canon Paul Atkins, Rector, Aylmerton with Runton, and Honorary Canon, Norwich Cathedral (Norwich): to be also Priest-in-Charge, Beeston Regis, and Gresham (same diocese).
The Rev Alan Boddy, Chaplain, HMP High Down: to be Chaplain, HMP Wormwood Scrubbs.
The Rev Simon Cade, Curate, Calne and Blackland, and Chaplain, St Mary's School, Calne (Salisbury): to be Team Vicar, Basingstoke All Saints (Winchester).
The Rev Dr Malcolm Guite, Team Vicar, Huntingdon (Ely): to be Chaplain, Anglia Polytechnic (same diocese).
The Rev David Kent, NSM Assistant Curate, Huddersfield St Peter and All Saints (Wakefield): to be NSM Assistant Curate, Newsome and Armitage Bridge (same diocese).
The Rev Caroline King, NSM, Wheatley (Oxford): to be Assistant Curate, same benefice (same diocese).
The Rev John Page, Chaplain, Hymners College, Hull: to be Chaplain, Charterhouse School.
The Rev Philip Robinson, Priest-in-Charge, Ickenham St Giles (London): to be also NSM Priest-in-Charge, Harlington St Peter and St Paul (same diocese).
The Rev Brian Smith, Vicar, Keswick, St John (Carlisle): to be also Rural Dean of Derwent (same diocese).
The Rev Frank Sudworth, Chaplain, HMP Liverpool: to be Priest-in-Charge, Low Moor Holy Trinity (Bradford).
The Rev Kevin Tromans, Curate, Woodhall St James the Great (Bradford): to be Vicar, Liversedge Christ Church, and Hightown St Barnabas (Wakefield).
The Rev Robert Ward, Chaplain RAF Cranwell: to be Team Rector, Blakenall Heath (Lichfield).Reuse content


text:
George's Magic Day
By (author) Grahame Baker-Smith
Format: Hardback
Normal Price: $29.99
Your Price: $26.99 AUD, inc. GST
Shipping: $7.95 per order
You Save: $3.00! (10% off normal price)
Plus...earn $1.35 in Boomerang Bucks
Availability: Available to Backorder, No Due Date for Supply
George's Magic Day by Grahame Baker-Smith
Book DescriptionGeorge the monkey is feeling glum, and his friends can't seem to cheer him up. He wants to fly, but monkeys just aren't meant to - until Little Pilot zooms in and lends a helping hand...
Buy George's Magic Day book by Grahame Baker-Smith from Australia's Online Bookstore, Boomerang Books.
Book DetailsISBN: 9780340875490
(217mm x 192mm x 9mm)
Pages: 32
Imprint: Hodder Children's Books
Publisher: Hachette Children's Group
Publish Date: 19-May-2005
Country of Publication: United Kingdom
Other Editions...
Books By Author Grahame Baker-Smith
Twelve Days of Christmas: Panorama Pops, Hardback (October 2016)
A beautiful festive pop-up book that brings to life the favourite Christmas carol.
Winter's Child, Hardback (November 2015)
When Tom wishes winter would never end, he meets a mysterious boy who shares his love of snow and ice, but their winter fun is not all it seems.
Alice's Adventures in Wonderland: Panorama Pops, Hardback (July 2015)
Unfold this enchanting Panorama Pop celebrating a classic story, then tuck it inside an attractive slipcase for next time. Curiouser and curiouser! The British Royal Mail s special stamps honoring "Alice in Wonderland" s" "150th anniversary inspire a beautiful gift edition of Lewis Carroll s classic."
Farther, Hardback (February 2013)» View all books by Grahame Baker-Smith
When a father who dreams of flying goes off to war and does not return, his son decides to make the dream come true. Baker-Smith's moving story, with stunning illustrations, shows how, with love and a bit of ambition, you can reach seemingly impossible goals. Full color.
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Author Biography - Grahame Baker-Smith
Grahame Baker Smith studied at Berkshire College of Art and Design and has had two picture books published: JO-JO'S JOURNEY in 1994 and THE VELVETEEN RABBIT in 1996. Since then, he has experimented with different styles of illustration and been commissioned for various adult books from The World of Angels to an HG Wells trilogy. He also does frequent illustration work for magazines and has set up his own card company, Shooting Stars, which he has run with his wife, Linda. They have three young children.
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On August 28, 2013, six federal regulatory agencies (among them, the SEC, Federal Reserve, OCC and the FDIC (collectively, the "Agencies")) released a 499 page second risk retention proposal (the "Second Proposal"). The Second Proposal covers risk retention for securitizers of all asset-backed securities, but also contains changes aimed directly at CLOs. For CLOs, the rules include both familiar provisions found in the first risk retention proposal (introduced in 2011) and new proposals, some of which are directed at alleviating the substantial burdens the Agencies themselves recognize the Second Proposal imposes on CLOs. Some of the proposals include new combinations of previously proposed forms of retention, new measurement metrics and holder eligibility criteria, hints at how grandfathering will be treated, a projected cash flow test for first-loss holders and an (likely ineffective) open market CLO option. The provisions outlined below do not reflect all changes found in the Second Proposal, but instead are meant to highlight some of the developments CLO participants may find important.
The Agencies target more flexibility in the Second Proposal. For example, the Second Proposal gives retention providers the option to satisfy their retention requirements by holding any combination of vertical (5% of the par value of each tranche issued by the CLO) and horizontal interests (5% of the par value of the CLO in a first-loss tranche). The ability to mix and match interest strips gives retention providers greater latitude to align their risk retention obligations with their appetite for risk.
The Second Proposal attempts to reflect market realities by making adjustments to the way the 5% requirement is measured and holder eligibility. While the first proposal linked the calculation of 5% of the "credit risk" to the par value of the obligations issued, the Second Proposal introduces a new "fair value" metric which is a more appropriate economic measurement of risk retention and more consistent with market practice. For example, the "fair value" can take into account, among other things, the expected default, prepayment and recovery rates of the CLO interests. Similarly, in an effort to more accurately reflect the intent of the Agencies, the Second Proposal no longer restricts transfers of interests required to be held for retention purposes to "consolidated affiliates," but instead can now be held and transferred to any "majority-owned affiliate." This distinction was made to avoid a situation wherein the retention provider's economics are not shared with its consolidated affiliates (under GAAP).
The jury is still out, but it looks like existing CLOs will walk. Two questions on the minds of many CLO participants are: (i) whether existing CLOs will be exempt from the retention restrictions and (ii) when those restrictions will come into effect. While there was no direct discussion of how existing CLOs will be treated, the Agencies' comments intimated their intention to exclude CLOs existing before the effective date of the regulations. This is significant, and also is in contrast to how the Agencies' European counterparts seem to be intending to treat CLOs subject to the new European Credit Requirements Directive IV, which is not expected to provide an out for existing CLOs. The Second Proposal broke no new ground with respect to when the retention regulations will become effective, which will be two years after the final regulations are adopted.
The change to the projected cash flow test is unworkable for most CLOs. The Second Proposal contains a change to the projected cash flow test intended to reflect the reality that the first-loss tranches in some securitizations (including CLOs) often do not distinguish between principal and interest payments. However, in practice the change could potentially bar any payments to investors in the first-loss tranche of a CLO due to the fact that the "cash flows" to subordinated noteholders are measured against "principal payments" on the secured notes. This is problematic because managed CLOs do not typically make scheduled principal payments to secured notes until after the reinvestment period.
Finally, in the Second Proposal the Agencies do attempt to offer an olive branch to CLO securitizers by providing for an alternative means of satisfying retention requirements. Under the so called "Lead Arranger Option," open market CLO securitizers may have their retention obligations fulfilled by the "lead arranger" of the underlying asset so long as certain requirements are met, including, among other things, that (i) the "lead arranger" holds 5% of the value of each tranche issued that will be securitized (until the earliest to occur of repayment, maturity, default, etc.), (ii) the "lead arranger" has certain consent rights contained in the underlying documents and (iii) the CLO's assets consist solely of "senior, secured syndicated loans" acquired in the open market. As already noted by many commenters, while this option appears to be an attempt by the Agencies to make the proposed rules less onerous for CLO securitizers, it falls short due to the realities of the lending market, especially with respect to lead arranger economics and operations.
While the Second Proposal also comes with a comment period in which commenters may venture to persuade the Agencies that certain provisions of the Second Proposal are in need of repair, some market observers are skeptical about whether regulators will heed the warning signs. However, if the final regulations are published substantially unchanged, the effect could be dramatic for the $285 billion CLO market (as recently reported by Thomson Reuters LPC).
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.
© Dechert LLP
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Closeouts. All of Salomon's signature trail running shoe technologies get a little extra height in Salomon's XA Pro 3D Mid Gore-Tex® hiking boots. Rain or shine, these lightweight powerhouses command the trail with a Gore-Tex® waterproof breathable membrane, a wealth of support and stability, and a Contagrip® outsole for dynamic conditions.
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McDonald's has launched a microsite for Washington state to tout the number of ingredients on its menu that are sourced from local purveyors. The quickservice chain claims 95% of its fries and Filet-O-Fish fillets and 85% of its apples served in Washington are from there. But some experts say the local claim is undermined by the use of a disclaimer that "participation and duration may vary."
Full Story:Adweek


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There Goes the Metro: How and Why Bohemians, Artists and Gays Affect Regional Housing Values
Richard Florida
Martin Prosperity Institute, Rotman School of Management, University of Toronto; New York University (NYU)
Charlotta Mellander
Jonkoping University
March 2010
Journal of Economic Geography, Vol. 10, Issue 2, pp. 167-188, 2010
It is often conjectured that artistic, bohemian and gay populations increase housing values in the neighborhoods and communities in which they reside. But these groups are small, and the evidence of their effect on housing prices is anecdotal and limited. We argue that artists, bohemians and gays affect housing values through two kinds of mechanisms: an aesthetic-amenity premium; and a tolerance or open culture premium. To examine this, we introduce a combined measure of bohemian and gay populations-the Bohemian-Gay Index. We conduct statistical analyses to test the performance of this measure against other variables expected to affect housing values-income, wages, technology and human capital. The findings indicate that the Bohemian-Gay Index has a substantial direct relation with housing values across all permutations of the model and across all region sizes. It remains positive and significant alongside variables for regional income, wages, technology and human capital. The Bohemian-Gay Index also has a substantial direct correlation with other key variables, particularly income, indicating an additional indirect effect on housing values.
Keywords: Housing, human capital, creative class, income, gay, artistic, bohemian
JEL Classification: R10, R21, Z13
Date posted: February 15, 2010
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Learn the Alexander Technique for optimum balance, posture and co-ordination in everything you do. Organise yourself with maximum efficiency to optimise performance in your work and everyday life, and in coping with stress and physical problems.
Give yourself a powerful tool for personal development, self-awareness, mindfulness and learning new skills.
Change the habits that contribute towards functional problems such as back pain, muscle tension and stiffness, poor posture and breathing problems.
Discover the freedom to change conditions that stop you reaching your potential and enjoying a happy, healthy life.
Find a STAT qualified teacher to best experience the Alexander Technique.
The Society of Teachers of the Alexander Technique (STAT) was established in 1958 and is the largest Professional Association of Alexander Technique Teachers worldwide. It is responsible for maintaining the professional standards of its members and promoting the Alexander Technique.
I have suffered back pain for a long time and the last 15 years have been a merry-go-round of doctors, drugs and complementary therapies. At the end of my second Alexander session I started to ease into the process. I followed my teacher's instructions between sessions, and found I could focus on my body, its movements and its tensions. It now seems possible to be free of pain and my usual cocktail of painkillers is no longer necessary. I wouldn't hesitate to recommend the technique.


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Royal Egg Yolk Velvet
|2 Cup (32 tbs)
|1⁄2 Cup (8 tbs)
|Egg yolks
|1⁄4 Teaspoon
|1⁄4 Cup (4 tbs)
|Heavy cream
|6 Cup (96 tbs), whipped
1. In a saucepan, combine the sugar and water. Bring to a boil and cook until the syrup registers 236° F. on a candy thermometer. If a candy thermometer is not used, cook to the soft ball stage. To make this test, spoon a few drops of syrup into cold water. If a soft ball forms, it is ready to be used.
2. Beat the egg yolks with the salt until they are very thick. Add the syrup in a fine stream while beating and continue beating until the mixture forms peaks when the beater is withdrawn. Chill the mixture.
3. Add the rum or cognac and fold in the whipped cream.
4. Turn the mixture into several small molds or paper cups and freeze.
Rate It
Nutrition Rank
Nutrition Facts
Serving size: Complete recipe
Calories 6921 Calories from Fat 4970
% Daily Value*
Total Fat 565 g868.8%
Saturated Fat 343.1 g1715.6%
Trans Fat 0 g
Cholesterol 3453.6 mg1151.2%
Sodium 1089.4 mg45.4%
Total Carbohydrates 444 g148.1%
Dietary Fiber 0 g
Sugars 401.9 g
Protein 49 g97.1%
Vitamin A 458% Vitamin C 14.4%
Calcium 109.5% Iron 20.9%
*Based on a 2000 Calorie diet


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Translation of danholt.de to brazilian language
This project was successfully completed by mmclarissa for $333 USD in 20 days.Get free quotes for a project like this
Project Budget$250 - $750 USD
Completed In20 days
Total Bids9
Project Description
WANTED: Translator...
danholt is looking for a brazilian native translator !
This is a great job opportunity for students or others searching for a freelance job.
Translations are needed for our online store (product descriptions), software manuals and software. Currently planned is a relaunch of our webstore in brazilian-portuguese language.
The sources will be english and german.
Good english language skills are necessary and if german language skills are available too, its fine but not a must.
Brief overview about us and the work to do:
First of all "danholt" is a software developer and distributor of health care gadgets and devices.
One of our software flagship products is Calories 3
[url removed, login to view],247,103,103,[url removed, login to view]
Calories 3 is made for tracking nutrition, activities and body data.
For collecting body data for example we integrated some interfaces for automatic synchronization with body scales, blodpressure monitors, Blood glyco etc.
This is why we expanded our software business in 2008 starting to distribute and resell health care (smart) devices that sync with our software. During the years more and more stuff has been added and we are still on the way to grow.
Currently we have approx. 55 basic products on stock.
Each of it has its own product page.
When surfing our website, you will be able to access them all.
[url removed, login to view]
In average each product description has approx. 800 words … some text are shorter some are longer.
Here we have a typical Product description:
[url removed, login to view],855,103,103,[url removed, login to view]
Initially, we are interested in translation of the product descriptions for our web site and some translations for general text informations like imprint, about us etc.
The Product descriptions shouldn't be translated word by word !
For us it is more important to have a unique and personal written description. Not another marketing blurb!
In some cases - if possible and meaningful - we play on words too. Especially this has to be done individually for each language and this is up to you to engage and create something creative ;-)
This is an example for such an attitude:
[url removed, login to view],978,14,14,[url removed, login to view]
The translations of the product descriptions can be done step by step. So if you will start working on it, we will hand over to you the extracted text files like above example step by step in the order we need them.
When this is all done and we all are happy with the work, there may still the option to do more work …
1. New products
- we will see new products from time to time - lets say 2-3 new products every 3 month to be added to our webshop.
2. Our BLOG:
[url removed, login to view],278,181001,[url removed, login to view]
Currently we run the BLOG only in german and english, but we believe that it is necessary to run it localized to brazilian / portuguese language too, as this will strengthen our awareness in that region.
The BLOG gives some short informations on new products, updates or small reviews.
In most cases these text are short. We try to have at least one new BLOG entry per week.
For more informations on danholt, our products and me please feel free to checkout our facebook sites:
[url removed, login to view]
[url removed, login to view]
Completed by:
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Looking to make some money?
- Set your budget and the timeframe
- Outline your proposal
- Get paid for your work
Hire Freelancers who also bid on this project
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Work on projects like this and make money from home!Sign Up Now
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Poetry at Beinecke Library
Tuesday, April 5 at 4:00, Yale University Art Gallery (YUAG), The Schlesinger Visiting Writer Series presents: Kevin Young, the Atticus Haygood Professor of English and Creative Writing, and Curator of Literary Collections and the Raymond Danowski Poetry Library, Emory University.
April 1, 2011
Natasha Trethewey, Yusef Komunyakaa, and Thomas Sayers Ellis, Poetry Reading Thursday, March 31, 2011 5:30 PM Yale University Art Gallery, 1111 Chapel Street An Evening of Poetry at the Gallery Contact: email@example.com
March 30, 2011
A. A. Brill and Mabel Dodge Luhan: A Reading from their Correspondence by Patricia Everett and Paul Lippmann Tuesday, March 29, 2011 at 5:00 pm
March 27, 2011
Wendy Moffat discusses her new biography of E. M. Forster
March 24, 2011
THE JAMES WELDON JOHNSON MEMORIAL LECTURE | 2011 A Reading & Conversation with New Yorker critic Hilton Als Wednesday, March 23, 2011 at 4:00 pm
March 16, 2011
Detailed information about collection materials featured in the current exhibition, Psyche & Muse: Creative Entanglements with the Science of the Soul are now available online: Psyche & Muse online .
March 9, 2011
Fall 2012 Readings at Yale University Subject to change--contacts provided for additional information Ariana Reines, Poetry Reading Thursday, September 20, 7:00pm Room 317, Linsly-Chittenden Hall, 63 High Street Grad Poets Reading Series Contacts: firstname.lastname@example.com, email@example.com Peter Cole, Poetry Reading: The Poetry of Kabbalah, the Kabbalah of Poetry
February 28, 2011
Beinecke Rare Book & Manuscript Library
121 Wall Street | New Haven, CT 06511
Campus Map
Tel: (203) 432-2977 Fax: (203) 432-4047
USPS: Mailing Address and Information
email: Ask a Librarian
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Monday 10 a.m. to 7 p.m.
Tuesday-Thursday 9 a.m. to 7 p.m.
Friday 9 a.m. to 5
Saturday (Exhibitions only) 12 p.m. to 5 p.m.


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NBA Finals Heat-Spurs Game 3 Preview: Back to the future
More postseason coverage: Playoff schedule, results | Latest news, notes
Previewing Game 3 of the Heat-Spurs NBA Finals.
1. The Facts: Tuesday, 9 p.m. ET (ABC). Follow the action here. Everyone is healthy.
2. Where We Are: It feels like we're right back in 2013. The two teams split the first two games in San Antonio, after LeBron James took over and broke the Spurs apart like your high school biology teacher dissecting frogs in 5th period. James fed Bosh, Bosh fed Wade, and the Heat tied the series headed back to South Beach.
What's compelling about this series so far, outside of, you know, history, the level of execution, the superstar narratives, the legacies on the line and everything else that makes this series so tense to watch is that you can make a decent argument the team that played better in both games lost. The Heat largely outplayed San Antonio in building a seven-point lead in Game 1, only to see James leave with cramps, which opened the door for San Antonio to finish its comeback. (The Spurs were up two when James went to the bench.) In Game 2, the Spurs had everything going in the first half, Tim Duncan and Tony Parker played well, and the Spurs looked like a better team. And then LeBron James just sort of ... won the game.
So now going to Miami, are the Heat in control thanks to the fact that they could be up 2-0 if the AC hadn't broken down? Are the Spurs still where they need to be since they got so far away from their game plan in the fourth quarter, missed four huge free throws, and only lost by two? Does homecourt matter? Does anything matter other than "will a few more shots go in for one team or the other?'
I counted it. Eight people I talked to from league personnel to media to coaching staff all said the same thing. "This thing's going seven."
3. The Big Number: Plus-54. That's the number, per-48 minutes, that the Spurs have been better with Manu Ginobili on than off the court in the second half of the first two games. Let me simplify that for you. Put the two second-halves together. The Spurs were 54 points better with Manu on than off. Foul trouble limited him in Game 2 and that was a huge swing. The Spurs are living and dying with Ginobili right now.
It gets doubly worse when Marco Belinelli is in for Ginobili. With Belinelli on the floor for 18 minutes in the two games in the second half, where the Spurs have really struggled, the Spurs are minus-13. The Spurs are lauded for having this great depth, but this is the reality. San Antonio has a top-heavy bench, which sounds oxymoronic but it's true. Diaw and Ginobili are great, everyone else ranges to "eh" (Patty Mills) to "trash can fire rolling down hill" (Belinelli) to no-factor (Baynes, Bonner, etc). Either the bench has to improve or Ginobili has to play all 24 in the second half.
4. Key Adjustment: Can the Spurs stay out of foul trouble? Bear in mind that when the Diaw-Duncan-Parker-Ginobili-Leonard lineup is out on the floor, the Spurs are generally unstoppable. They're plus-23 in this series with that lineup on the floor. Diaw spreads the floor and makes plays inside, Duncan has been lethal, and that's really at this point their best five guys. But foul trouble messed with both Leonard (who fouled out in Game 2) and Ginobili, and that caused mayhem.
Popovich has resisted starting Diaw in the first two games, and the results have still netted the Spurs leads. But he might want to try and blow the game open early, and playing this lineup for an extended eight-minute run might be the best way to do that.
5. The Big Story: Is this going to be like last year? The series was 1-1 last year, and each team won ever other game until Game 7. It's just not reasonable to expect the Spurs to go down 3-1. That seems nearly impossible. The two teams are two evenly matched. So will this series follow the model of 2013? And if so, why is it still so thrilling?


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Hotfrog NewZealand provides information regarding The Sam Trust in Wellington. The Sam Trust is located at PO Box 823, Wellington 6015 and provides Hospitals services. Contact them on 04 385 0773 or by visiting them on their website http://www.thesamtrust.co.nz.
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