text:
…there is no solution. That's the solution.
No. Really. Sometimes in life there are no solutions to some things, and so the solution is that there is no solution. You accept it and move on. I realized that today.
And by move on, I'm not saying that her and I are not seeing each other anymore. I'm saying that we stop trying to solve this problem, just accept the situation for what it is, and move on to things that we can solve.
The root cause is fear. As it says in the book Dune, "Fear is the mind killer." What we need to do is start removing the things that cause us to fear, start nibbling away at them one at a time until they crumble and fall. Eliminate the fear so that in the long run a solution can then present itself.
Until then, our situation is the result of other situations which have to be solved first.
Does that make sense?
In the meantime, we'll be together Friday, and both of us are very happy and excited by that!


text:
|Edmund Muskie
|38th President of the United States
|Assumed office:
January 20, 1973
|Left office:
January 20, 1981
|Vice President:
|Henry Jackson
|Preceded by:
|Nelson Rockefeller
|Succeeded by:
|Henry Jackson
|United States Senator from Maine
|In office:
January 3, 1959 – January 3, 1973
|Preceded by:
|Frederick Paine
|Succeeded by:
|George J. Mitchell
|64th Governor of Maine
|In office:
January 5, 1955 – January 2, 1959
|Preceded by:
|Burton M. Cross
|Succeeded by:
|Robert N. Haskell
|March 28, 1914
Rumford, Maine
|March 26, 1996 (aged 81)
Washington, D.C.
|Birth name:
|Edmund Sixtus Muskie
|Political party:
|Jane Muskie
|Alma mater:
|Bates College
Cornell University
|Roman Catholic
Edmund Sixtus "Ed" Muskie (March 28, 1914 – March 26, 1996) was an American politician who was the 38th President of the United States, the first Roman Catholic to hold the office. Prior to his election, he was a Senator from Maine, and the 64th governor of that state.
Muskie's landslide election in 1972 was seen by many as an explicit encouragement to increase Rockefeller's hesitant steps toward anticommunism, specifically the ratcheting up of the Vietnam War. Muskie had chosen diehard Cold Warrior Henry Jackson as his running mate, and the 70s were duly defined by anticommunism.
Although Muskie was reelected comfortably in 1976, historians have more recently argued that his presidency was defined by paths laid by Rockefeller and decisions made by Jackson. Muskie's insistence on ending the Vietnam War without nuclear weapons, and his doing so in 1979, was seen by many as a power struggle between he and Jackson; although he endorsed his vice president and campaigned for him in 1980, he withheld his endorsement until the bitter end in 1984, and in 1988, Muskie pointedly endorsed Robert Byrd's most significant primary opponent, Daniel Patrick Moynihan.
The public falling out between Muskie and the Democratic administration that followed his led to his being more warmly received than his successors by the "New Democratic" administration of Al Gore, Jr., with whom he campaigned vigorously in 1992, and endorsed heartily for reelection in 1996, shortly before his death.

subset: commoncrawl


text:
Power System Training
As a NERC Continuing Education Provider, Powertech provides the following two-day power system analysis training courses at their location in Surrey, British Columbia, Canada.
- Power System Fundamentals I
- Power System Fundamentals II
- Generator Testing & Modeling
- Power System Dynamics
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- Analysis and Mitigation of Power System Oscillations
For more information, please locate the desired course under "Related Files" to the right.
Custom Courses
We provide custom training on a variety of power system analysis topics as well as software applications. We specialize in courses on stability and control, and we can provide instruction ranging from very basic study methods to the most advanced dynamic analysis of large power systems, including FACTS and other complex control devices.
Inquire with us today to get started.


text:
Why Nike's $50 Billion Sales Projection Is Important To Investors
- Nike is projecting revenue of $50 billion by 2020.
- Valuation using current growth rate indicates Nike stock is trading at a huge discount with over 50% upside potential.
- Don't let the growth rate of their smaller competitors distract you from this investment.
Nike (NYSE:NKE) said that by 2020 they will hit $50 billion in sales, and yet investors don't seem at all bothered – and they shouldn't be. Given Nike's double digit growth rate, it is actually very feasible to think that the footwear giant will meet and potentially exceed those expectations. For the fiscal year 2015, Nike's revenue was over $30 billion, up 10% from the year prior. If they continue forward with a 10% compound annual growth rate, Nike will hit their $50 billion target for 2020.
So how can Nike grow to hit $50 billion in revenue? First of all, they are expecting their e-commerce business to grow to $7 billion by 2020, compared to the current $1 billion today. Secondly, they are pumping money into the women market, trying to grow their women's segment from $5.7 billion to over $11 billion. And finally, they can capitalize on the "athleisure" trend by diversifying their global sales and driving more revenue from overseas. As you can see below, the United States accounted for nearly 45% of Nike's sales for 2015.
Source: Market Realist
So what does annual revenue of $50 billion mean for Nike stock? Below I have outlined my DCF for Nike. I did a 5 year projection with revenue coming in just shy of $50 billion in 2020. I used a terminal growth rate of 6% and a discount rate of 8%, which is tied exclusively to their cost of equity because they have positive net debt. I used an operating margin that mirrors their current margin, however, Nike has been improving its margins recently. Nevertheless, as competition in athletic apparel increases, margins can thin in order to stay competitive, therefore, I decide to appeal to current/historical margins for the model.
As you can see, I have Nike's equity valued at $157 billion, significantly higher than their current market capitalization of $103 billion. This implies that Nike stock is trading well below their fair value and offers more than 50% upside to investors.
If the athleisure trend continues, Nike is poised to continue forward with their double-digit top line growth, which will take them to $50 billion in annual revenue by 2020. After breaking it down to the bottom line, Nike is a great value for investors. Competitors like Under Armour (NYSE:UA) and Lulu (NASDAQ:LULU) have stolen a lot of investors' attention because of their incredible growth rates which significantly exceed Nike's. However, they still remain significantly smaller and riskier investments. But perhaps the attention of these new athletic apparel companies has been the catalyst that has led to Nike stock trading below its fair value. Either way, the verdict on this one is clear – Nike stock is a buy.


text:
House Sitter in Newport Beach
Hi my name is Kendra and I would be the perfect houaesitter for you. I would consider myself as someone who is reliable, trustworthy, and very responsible. I have housesitted on a number of occasions and truly enjoyed the experience. Whether it was the peace I received from all the silence or just the company of the dogs I enjoyed myself. Feel more than free to hire yourself the best house sitter you'll ever have:)
House Sitter Details
|Email Address
|Phone Number
|909-528-... Confirmed
|Provider Type
Collect Mail
Feed Pets
Care For Plants
Take Out Trash/Recycling
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text:
Only around 30% of women net more than their husbands do, so once transportation happens probability are she is the one fashioning the occupation advance. Consequently, if she's the one fashioning the sacrifice what can HE do to help out HER next to the transition?
First, make out that subsequent to a alteration in the kith and kin billowing is thoughtful one of the furthermost nerve-racking accomplishments in a person's being. Advance planning can assuage the way to a made removal and new opportunities for one and all.Look at heartbreaking as an experience not a job.
Did you know that a mate flying beside a companion has in fact been specified a name, "The trailing relative."
trailing relative (TRAY.ling spows) n. In a relationship, the mortal who gives up their job in command to tail the another causal agent to a new position where that creature has saved employ.
It gets worse. Consider this one: the "career interrupted spousal equivalent." Makes you mumble same a solid winner, doesn't it? But don't let these appellations get you downcast or inaugurate an identity urgent situation. These tips can produce the convey a breeze.
Understand what you are dealing next to. This is the clip to presume nearly you and your future. Don't be bashful going on for where you are active in your profession. Since you have to creation over beside a new opportunity, put in any event assessing your actual career. Take a sturdy outer shell at the experience of where you are and where you are active. Remember you are upsetting to engineer natural life advanced and it necessarily to be better for both partners. This is not the instance to dramatic play 2nd cord.
Here are a few thoughts to deem in the order of your career:
Is this what you really impoverishment to do? Can you construct a made passage to the new location? Will it be uncomplicated for you to find a job? Can your relations hold out on one resources or are you active to have to work, whether you poverty to or not? Do you deprivation to go support to school? Would you close to to or are you considering protrusive your own business? The possibilities are endless. Only you have the answers and one and only you as a squad can get the relocate.
Chances are you have need of a new job. Use a tiny preplanning strategy. Just because it isn't company logical argument doesn't penny-pinching you can't ask for it. Companies are despairing to get team to move. They poorness to put together you and subsequently your relative glad to choose up and relocate. So here is a list.
From your partners company:
Check for move relation help programs as a talent aggregation.
If they don't here are a duo of things to ask for:
o Will they cover your overheads of job hunt and familiarisation of the interest antecedent to the move?
o Are near job opportunities accessible inwardly the spouse's guests for me?
o Will the guests return my earnings or state period?
o Will the establishment return for my job activity trips prior to the move?
o Will the business engineer referrals to recruiting firms and employ agencies for me?
o Will child care overheads be reimbursed during my job search out and removal process?
o Will the friendship assist me near interviews?
From your own company:
See if the quality equipment division or your supervisor can think of you to correspondent companies in your new capital.
o See if the ensemble has satellite or attached branches that you could be transferred to.
o See if you could go a contract hand utilizable from your new location.
o See if you can get reassigned to a posting inside the band wherever situation doesn't entity.
If none of these work:
o Contact competitors. They may have a river or superficial to friendly a outer office in your new built-up and you may be the accurate judgment to make the arrangement arise.
o Let every person you know that you are relocating and looking for employ.
o Get new of one's own commercial game that tell folks how to reach you and that you are sounding for trade.
o Hit the Internet next to job probing.
o Contact giant employers at the new town about opportunities.
o Get in touch with the new urban center Chamber of Commerce.
o If all of this is too daunting, you could mull over a job counselor that can aid advise you on your duration changes.
Don't bury to ask you partner's group to pay for this too.


text:
I'm not quick to say this is a budget option as the prices were still high, but comparable to hostels in the area. Though in the red light district the location is good for access to Amsterdam's sights. Only a few minutes walk to the Damrak and close to the train station as well. Very touristy and busy though so can be quiet noisy. The rooms were very very basic and very badly decorated. No soul to the place. The wet room bathrooms were clean but inconvenient as water gets everywhere. Breakfast was basic and not great quality. Staff are off putting and unfriendly. Overall not an enjoyable place to stay and there are better options available, I wouldn't recommend this place.
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text:
If an item you ordered from TextbookRush does not meet your expectations due to an error on our part, simply fill out a return request and then return it by mail within 30 days of ordering it for a full refund of item cost.
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Description: "Bitners book conveys the authority of someone who was in the trenches where this dirty work was going on." -- Newsweek Magazine With each day bringing new revelations about the economic damage the mortgage crisis is creating worldwide, this book couldn't be timelier. Bitner tells the fascinating story of his disillusionment after owning a sub-prime lending business for five years, beginning with foreclosing on a borrower he knew shouldn't have been given a mortgage in the first place (even though the loan fit the industry's guidelines), and relating the story of his house catching fire, and how this string of events prompted him to re-evaluate his priorities and sell his stake in the company just as profits were plummeting and sales were hitting an all-time high. A year after Bitner bailed, the industry began to implode, and he watched his former company go bankrupt. Weaved in with his personal industry experiences is the fascinating story of how an industry started by helping disadvantaged customers buy houses, but soon lost its way due to greed, lack of financial control, and willful ignorance; this book reveals the truth about how various parts of the mortgage business yielded to temptations to maximize profits, weakening the chain that held this system together. The book covers: What it was like running a sub-prime lending business in an industry spiraling out of control How nearly three out of every four sub-prime mortgages originated by brokers were misleading or fraudulent, and the tactics they used to trick lenders and borrowers How the sub-prime industry pushed home prices to unsustainable levels How brokers and lenders used creative financing to turn unqualified applicants into qualified borrowers 20 critical changes that must be made to fix the mortgage industry, including transparent fees, rating agency reform, and the implementation of new, mandatory licensing requirements for brokers From borrowers, to brokers, to appraisers, to Wall Street Investment Banks, Bitner exposes the role that each level of the hierarchy played -- and the tactics that were used -- in bringing on one of the greatest business disasters in the history of the United States.
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List price: $19.95Copyright year: 2008Publisher: John Wiley & Sons, IncorporatedPublication date: 6/16/2008Binding: PaperbackPages: 224Size: 6.00" wide x 9.00" long x 0.50" tall Weight: 0.550Language: English
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BWLD data by YCharts
Buffalo Wild Wings ( BWLD): Cramer loves regional to national growth stories and Wild Wings is one restaurant that continues to deliver. To read a full recap of "Mad Money" on CNBC, click here. To sign up for Jim Cramer's free Booyah! newsletter with all of his latest articles and videos please click here. To watch replays of Cramer's video segments, visit the Mad Money page on CNBC. -- Written by Scott Rutt in Washington, D.C.


text:
BYOD (Bring Your Own Device)... *Liability and Data Breach Sold Separately
In In Re State Farm Lloyds, (Texas Supreme Court [May 26, 2017] 2017 WL 2323099), the Supreme Court of Texas elaborated on the standard applied to evaluate and resolve production disputes. Specifically, the Court opined...more
To be valuable, eDiscovery needs to ensure the greatest usability of all data reviewed and produced. Every dollar spent should buy more than mere compliance; it should buy valuable case insights.
While it is easy to focus...more
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In Catalina Island Yacht Club v. Superior Court (2015) 242 Cal.App.4th 1116, the California Court of Appeal (Fourth District, Division Three), squarely addressed the question: "May a trial court find a waiver of the...more
Why would any lawyer think that his Joint Defense Agreement, entered into with a co-defendant, was protected from production by the attorney-client privilege? Well, the lawyer for one of the Defendants In AP Atlantic, Inc.,...more
If you've conducted discovery for litigation, investigations or audits, you know that "Murphy's Law" dictates that a number of "pitfalls" and "potholes" could occur that can derail your project. These issues can add...more
For the first time, the Federal Court of Australia has allowed the applicants in an Australian proceeding to make applications for orders under 28 USC § 1782. In Lavecky v Visa Inc [2017] FCA 454 ("Lavecky"), the applicants...more
In a landmark ruling on 8 May 2017, the High Court ordered that the Eurasian Natural Resources Corporation ("ENRC") should hand over to the SFO documents prepared during an internal investigation, despite the fact that the...more
In Duffy v. Lawrence Memorial Hospital, No. 14-2256 (D. Kansas, Mar. 31, 2017), Kansas Magistrate Judge Teresa J. James granted the Motion to Modify Discovery Order from the defendant (and counterclaimant), where it asked the...more
On February 28, 2017, Southern District of New York Magistrate Judge Andrew J. Peck issued a warning shot, stylized as a "wake-up call," to the SDNY Bar: comply with the now 15-month-old amendments to the Federal Rules of...more
Why are we settling for less than exceptional eDiscovery results?
My guiding principle for eDiscovery is simple: eDiscovery always must deliver exceptional value to the client. A general counsel purchasing eDiscovery...more
If your practice involves discovery, chances are you have been on the receiving end (and maybe the dispensing end) of prolix boilerplate general objections in response to interrogatories or document demands. Whatever logic...more
This is the fourth in a series of posts summarizing the six most important eDiscovery cases in Delaware in 2015.
Medicalgorithmics S.A. v. AMI Monitoring, Inc., C.A. No. 10948-CB, Oral Argument on Defendants' Motion...more
In Fischer v. Forrest, No. 14 Civ. 1304 (PAE) (AJP), 14 Civ. 1307 (PAE) (AJP), 2017 WL 773694 (S.D.N.Y. Feb. 28, 2017), Magistrate Judge Alexander J. Peck issued a "discovery wake-up call" to the bar of the Southern District...more
Here's a big "pothole" that can derail your eDiscovery project. On Thursday, I'll discuss how you can learn about several more "pitfalls" and "potholes" and how to avoid them....more
In Excel Enterprises, LLC v. Winona PVD Coatings, LLC, No. 3:16-cv-19-WCL-MGG (N.D. Ind., Feb. 17, 2017), Indiana Magistrate Judge Michael G. Gotsch, Sr. ruled that despite the fact that the defendant failed to demonstrate...more
Last week, Magistrate Judge Andrew Peck of the United States District Court for the Southern District of New York issued a stern rebuke to counsel in Fischer v. Forrest for what he viewed as a failure to adhere to the...more
Tired of hearing about metadata? Here's one case where it made a difference.
In Singh v. Hancock Natural Res. Group, Inc., et al., 2016 U.S. Dist. LEXIS 179974 (E.D. Cal. Dec. 29, 2016), the parties had agreed to produce...more
Armstrong Pump, Inc. v. Hartman, No. 10-CV-446S, 2016 WL 7208753 (W.D.N.Y. Dec. 13, 2016) -
In this case, pending before the Court was a motion by Armstrong Pump Inc. ("Armstrong") to compel formal production of certain...more
E-Discovery is often viewed as being a niche in the larger legal world. It's often an ancillary topic in law schools, and according to one respondent in a recent Exterro survey, "Most lawyers view e-discovery as akin to...more
Last month, the Ohio Supreme Court issued a ruling in Burnham v. Cleveland Clinic, 2016-Ohio-8000, on an interesting issue – "whether an order compelling the production of documents allegedly protected by the attorney-client...more
As we noted yesterday, eDiscovery Daily published 74 posts related to eDiscovery case decisions and activities over the past year, covering 62 unique cases! Yesterday, we looked back at cases related to admissibility and...more
In December 2016, the English High Court ruled that transcripts, notes and other records of witness interviews prepared by in-house and external counsel in the course of an internal investigation were not covered by either...more
It's that time again! Time for our annual review of eDiscovery case law! Once again, we had plenty of sanctions granted and denied, as well as disputes over admissibility of electronically stored information (ESI) and even...more
In an effort to streamline arbitration proceedings where possible, the International Court of Arbitration of the International Chamber of Commerce ("ICC") announced on November 4, 2016 that it would issue new Expedited...more
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681 Lakeside Road, Macatawa MI, 49434
Sold Price:
5 beds , 1 Full/1 Half baths
2,056 sqft
Status: Closed
Last Updated: 7/24/2017 11:43 AM
Description for 681 Lakeside Road Macatawa, MI 49434
Lake Michigan beachfront home with views of Big Red Lighthouse in Macatawa Park. Enjoy a summer evening setting on your porch watching the boats sail in an out of the Holland Channel as the sun sets into the horizon changing into a beautiful colorful sky. The expansive beachfront allows for any watersport fun imaginable, kayaking, sailing, fishing, boating or take a stroll along the waters edge. The home has been wonderfully updated with modern amenities while retaining the charm of a cozy cottage/home. The kitchen is complete with gourmet kitchen with custom cabinetry, Viking professional appliances, granite counter tops, and mudroom access complete with laundry and 1/2 bath. All of the bedrooms have a view of Lake Michigan. The large living room is open to the dining area giving you
Sold Price:
Sold Date:09/30/2015
Park Twp
1 Full/1 Half
2,056 (approx)
Listing Information
Park Twp
Public Sewer
Cable TV, Natural Gas, Telephone
School Information
Room Information
Living Room
Interior Features
Dishwasher, Garbage Disposal, Microwave, Convection Oven, Range, Refrigerator
Ceramic, Wood
Attic Fan
Gas Heat, Forced Air
Basement, Full
Screened, Storm Window
1, Gas logs
Wood Floors
Exterior / Lot Features
Patio, Porch
Lake, Paved Road, Acreage
Driving Directions
South Shore Dr West to guard building. You will need gate codes for both gates. Walk to Lakeside and walk north to home.
Financial Considerations
Listing Price History
Macatawa Real Estate
Macatawa is located in Michigan. Macatawa, Michigan 49434 has a population of 7.
The median household income for the surrounding county is $58,160 compared to the national median of $53,482. The median age of people living in Macatawa 49434 is 0 years.
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text:
Perth: Veteran Indian batsmen Sachin Tendulkar and Rahul Dravid capitalised on a dropped chance to build a century partnership on the opening day of the third Test at the WACA.
After Indian captain Anil Kumble won the toss and elected to bat against Australia, they were 177 for two at tea, with Tendulkar on 59 and Dravid not out 52.
The pair had put on 118 but Dravid should been back in the pavilion on 11.
Back in his favoured position at number three, he got an outside edge to a Brett Lee delivery and it flew straight to Clarke at first slip, where he grassed the regulation chance that would have left India in trouble at 85 for three.
Tendulkar and Dravid made the most of the good fortune to work India into a solid position as Australia's gamble on four fast bowlers appeared to backfire.
Tearaway speedster Shaun Tait, brought in at the expense of spinner Brad Hogg, rarely threatened and Mitchell Johnson, despite claiming the wicket of the recalled Virender Sehwag (29) was generally ineffective.
Lee and the unlucky Stuart Clark, who beat the bat regularly early in the day without reward, were the best of the Australian bowlers.
Tendulkar handled the extra bounce of the WACA with aplomb, twice guiding short-pitched deliveries over the top of the slips to the boundary.
The only member of the Indian side to have played a Test at the WACA, he reached his half-century in 125 minutes, from 91 balls with eight fours.
Aside from his early let-off, Dravid was generally solid, producing some crisp cover drives in a sign his best form was returning and took 150 minutes to reach 50, from 95 balls and with nine boundaries.
Openers Sehwag and Wasim Jaffer weathered Australia's early pace blitz to put on 57 for the first wicket, but both fell in the space of two runs before lunch.
Playing his first Test in more than a year, Sehwag rode his luck early, playing and missing numerous times against an unlucky Clark before feathering a short ball from Johnson through to wicketkeeper Adam Gilchrist.
India's previous best opening stand of the series was 26.
Jaffer batted with assurance but on 16 flirted with a wide ball from Lee and got an outside edge that Gilchrist took.
The match follows a controversial week in the wake of the contentious second Test in Sydney, with claims of racial abuse, poor sportsmanship and poor umpiring.
The Australians won that match by 122 runs to take a 2-0 lead in the four-Test series and victory here would mean a world record 17th consecutive Test win.
The home side made two changes, with injured batsman Matthew Hayden replaced by uncapped opener Chris Rogers and Tait coming in for Hogg.
India also made two changes, with spinner Harbhajan Singh dropped for seamer Irfan Pathan, and the struggling Yuvraj Singh replaced by Sehwag.
Australia, who went into the match without a specialist spinner for the first time since India's previous Test at the WACA in 1992, are undefeated since beating South Africa by 184 runs here two years ago.
The existing record of 16 straight Test wins was set under Ponting's predecessor, Steve Waugh, from October 1999 to February 2001.
Brief Scores (at tea, D-1):
India Ist innings 177/2 (Tendulkar 59, Dravid 52, Sehwag 29; Johnson 1 for 28, Lee 1 for 47) Vs Australia.


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Because Florida's real estate industry has experienced significant growth the past few years, some experts—namely the Home Buying Institute—predicted that "Florida's real estate market will move into the media spotlight" in 2014.
So as the year comes to a close, was 2014 an extraordinary year for Florida's real estate market? More importantly, how did the real estate market's performance affect you? We asked Warrington alumni in real estate to share their thoughts on the past year, where the market currently stands and what to expect.
"2014 was a very strong year for real estate in South Florida with sales exceeding the previous year. We have seen some leveling off in the past month or so, but that may be a function of the summer months and not a true indication of demand. The winter buying season will be the true test."
"It's been a good year, definitely strong here in Naples. Frankly, the market has been steadily increasing. We bottomed out in late 2011. Since then, there's been a steady increase in median prices."
"2013 was a big year, a huge recovery year. We saw 35 and 45 percent increases in the number of deals—both residential and commercial—and pricing increases were strong. Understandably, 2014 has not been at that same pace, but it's still at a healthy pace."
Beery: "Of course it will. We'll definitely hit into another bubble, and that one will burst as well. We've seen it throughout history. And we're already preparing for it so in 6 to 10 years—or whenever it happens—we'll be ready for it. I don't think the next one will be as bad, however. People still have fresh wounds from the last one."
"Prices have not yet reached the levels of the previous bubble, but they will at some point in the future. If you look at the major real estate recessions in history, the market always recovered and exceeded previous price levels. We can't predict if it will be in five, 10, or 15 years, but, at some point, prices will exceed the previous bubble."
Murphy: "Average days on the market and weeks of inventory are important supply and demand indicators in the pricing equation. If weeks of inventory and average days on the market go down over time, average home prices increase. If weeks of inventory and average days on the market increase over time, average home prices decrease. These indicators along with comparative sales over the last six months can help sellers price a house correctly or buyers prepare an offer to purchase."
Macia: "I tell my clients the most important statistic is the ratio of annual closed sales to active listings. If a community has a ratio of 1 to 2, that's not a strong market, not a lot of demand. Some communities here in Naples are 5 to 1 or higher showing very strong demand. I always remind my clients: When you're buying, you're also selling. Unless you plan on living there for the rest of your lives, someday you're going to sell that home. It's an investment.
Bregman: "New construction is back! There are cranes all over Miami and they cannot erect luxury condos fast enough. Miami is literally on fire with many buyers from South America, Canada, Russia and Israel taking advantage of the still record low prices and low interest rates. Many 'all cash' buyers are making all cash offers, but are getting financing because they can invest their cash elsewhere for a greater return than what a mortgage will cost."
Beery: "We determined through past history, current transactions and the future market that multifamily [housing] is the asset to concentrate on. I revamped my current business based on that. We'll never stop doing general commercial real estate, but multifamily is a niche I will concentrate on."
Murphy: "If you're going to sell your house, the most important thing is to prepare it so it looks like the best house on the block. If any part of your home has paint, have it freshly painted. Go visit new home communities and see what those houses look like. You don't need to spend a lot of money, but make sure it looks good and is meticulously cleaned.
"As far as buying, there are still a lot of bargains with new short sales and foreclosures coming on the market every day. Interest rates are at historic lows, and it is a great time to buy."


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Spitzer Asked To Consider CSFB Criminal ChargesSep 20, 2002 | The Los Angeles Times
Massachusetts securities regulators recommended Thursday that their counterparts in New York consider filing criminal charges against brokerage Credit Suisse First Boston and some of its stock analysts over allegedly tainted advice given to investors.
The recommendation raises the stakes in state and federal regulators' multiple investigations of Wall Street's conduct during the bull market. Criminal, as opposed to civil, charges could be devastating for CSFB's reputation and its ability to do business.
The Massachusetts Securities Division asked New York Atty. Gen. Eliot Spitzer to consider pursuing a criminal case, citing evidence indicating that CSFB analysts in recent years gave stocks favorable ratings solely to curry favor with investment-banking clients.
As part of a multi-state investigation, Massachusetts regulators have combed through thousands of e-mails and other internal CSFB documents.
A number of e-mails show analysts felt internal pressure to talk up stocks of CSFB banking clients, said William Galvin, the Massachusetts secretary of state.
In one e-mail, for example, a CSFB analyst wrote that he publicly kept a "buy" rating on certain stocks, but privately told some clients he felt otherwise. He dubbed that strategy the "Agilent Two-Step," a reference to Agilent Technologies, a company that CSFB helped bring public in 1999.
The e-mails indicate a "pattern of deceit," Galvin said. "This is a pattern that apparently ran throughout the company."
In a statement, CSFB said it is "dedicated to upholding the highest standards for research independence and ethical behavior." The firm said it believes that after Spitzer has studied the evidence, "he will determine that a criminal proceeding is not warranted."
Darren Dopp, a Spitzer spokesman, said his office would review the Massachusetts data over the next few weeks.
"They have uncovered significant evidence of conflicts of interest," Dopp said. "We need to take the next step and determine what actions are appropriate."
The Justice Department last year decided not to file criminal charges against CSFB relating to an investigation of the brokerage's new-stock offering practices. The firm eventually paid a $100-million civil fine to settle the case.
It is unusual for a regulator in one state to file a criminal referral to a prosecutor in another. That was done, Galvin said, because CSFB is based in New York.
His state's investigation is continuing, and it is probable that his office will bring civil charges against CSFB, Galvin said.
New York state law also gives prosecutors greater leeway in pursuing criminal charges against suspected fraud perpetrators.
Yet the referral could pose a dilemma for Spitzer. He considered bringing criminal charges this year against Merrill Lynch & Co. over similar analyst issues, but agreed instead to allow the firm to settle the case for $100 million and the promise to reform its behavior.
Spitzer also is conducting an investigation of analyst conduct at Salomon Smith Barney, and may not want to divert his energies, said Jack Coffee, a Columbia University law professor.
Separately, CSFB and Goldman Sachs Group Inc. on Thursday supplied documents to a congressional committee investigating their handling of initial public stock offerings in the late 1990s, a committee spokeswoman said.
Also on Thursday, CSFB's parent, Credit Suisse Group, named John Mack, CSFB's chief executive, as co-chief executive of the parent firm.


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400 Monroe St. (Brush St.)
313-965-4600 | Make Restaurant Reservations | Menu
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3.- Installing Pinta on Ubuntu.
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text: Project Description The existing 1957 home had good bones, but bad compartmentalized planning. The 1,896 square foot, 3 bedroom, 2 bath house was nowhere near gracious by today's standards. This was especially true of the 96 square foot kitchen. The new owner wanted a home with a more modern living arrangement, an open kitchen-dining-family room plan that would allow the family to cook, eat, play and entertain together. To accomplish this, the original 8' x 12' kitchen, dining and living rooms were added on to in order to create a more inviting space to live and entertain in. Walls between the three spaces were torn down and the roof was raised to bring the existing 8' walls up to 10' which allowed for the addition of tray ceilings. A new expanded laundry and drop room was added adjacent to the garage and kitchen. To take advantage of the beautiful backyard and view of the old oak tree, the remodeled kitchen-dining-living space was tied to a new exterior covered entertaining area, complete with a summer kitchen. The new 350 square foot kitchen now offers the owner 23 linear feet of counter space for food prep, buffet service and counter dining for six at the gracious island. The single ceiling mounted bulb was replaced with can lights, pendant lights, under-counter lighting as well as task lighting at the range. The dilapidated red cabinets were replaced with white Shaker-style cabinets with the uppers continuing up to the ceiling for maximum storage. The colorful backsplash mosaic tile brings warmth to the neutral toned room, while stainless appliances give it a clean updated feel. New wood flooring was laid in the kitchen and throughout the new dining-living space. Energy efficient windows and doors were installed throughout, along with spray foam insulation, to bring the home's energy consumption down while adding an abundance of natural light to the remodeled space. Additional energy saving devices include a new high efficiency air conditioning system and a new gas tankless water heater.


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Search Book Reviews
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FREE online issues of Baird Magazines (delayed two months):
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|Cruise Control - Your Peace of Mind at Sea
|Saturday, 26 May 2007 11:47
Author: Ronald Butcher Publisher: Black Whisker Publishing
From Baird Online:
Americans are by far the biggest consumer group as far as the global cruise industry is concerned. Americans also tend to be the single most security and safety conscious and litigious group on the planet.
Given the well known hazards of cruising, it is not surprising then, that a book such as this has been published. While written in sensationalist vein and rather "over-the-top", it still attempts to list and explain the hazards of cruising and offers some antidotes to them.
While exaggerated, the pity is that the situation described in the book is not too far from reality. It is a pity, too, that the book includes some outright libels such as the picture of a Malaysian Coast Guard vessel captioned as a "Modern Pirate Vessel". A strange, idiosyncratic book that nevertheless contains some valuable advice for actual and potential cruise passengers.
Ordering Information:Black Whisker Publishing Nevada, USA Web: www.butcherblockmedia.com
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Draghi yesterday announced the ECB is working on a plan to re-enter bond markets and took the unusual step of naming Weidmann as the only policy maker to object to the proposal. While the move would ratchet up the ECB's response to Europe's debt crisis, it risks isolating the German central bank, potentially undermining the effectiveness of the new measures.
"That's why investors are disappointed," said Alexander Krueger, chief economist at Bankhaus Lampe KG in Dusseldorf. "The ECB can't just take random measures against the Bundesbank's will. The country with the largest economy needs to be part of any package."
While Draghi's comments suggest Weidmann has lost the support of traditional allies on the council such as the Netherlands, Luxembourg and Finland, the Bundesbank president may have German public opinion behind him.
While Weidmann only has one vote on the ECB's 23-member council, "the Bundesbank veto matters a lot in this," said Julian Callow, chief European economist at Barclays Plc in London. "We need to know exactly how the Bundesbank is appraising things."


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- arrive at a conclusion
- приходить к заключению
Англо-русский словарь экономических терминов. 2001.
Англо-русский словарь экономических терминов. 2001.
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A Prayer for Owen Meany — … Wikipedia


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Victim's Rights Notification - Crime Victim Registration
A crime victim may be eligible for compensation from the Iowa Crime Victim Compensation Program for certain costs relating to his/her victimization. These losses generally relate to medical and counseling assistance required as a result of the victimization, loss of wages, etc., but not for replacement or repair of property damaged or stolen. For information please call the Crime Victim Compensation Program at 515‐281‐5044 or 1‐800‐373‐5044.
For other victim services, such as counseling and support, information on other forms of assistance and help with the criminal justice process, please call Polk County Crisis and Advocacy Services at 515‐286‐3600.
If the victim is a child you may call Youth Law Center at 515‐244‐1172 regarding the assistance of a Guardian Ad Litem during Court proceedings.
If you are in need of shelter services due to a domestic abuse assault or threats or have questions regarding counseling or safety planning, please call the Family Violence Center at 515‐243‐6147, or call the Statewide Domestic Abuse hotline at 800‐942‐0333.
Anyone can register with Crime Victim Information and Notification Service (VINE) – You can sign up to be automatically notified when a Defendant has been released from the Polk County Jail or an Iowa Prison by calling Iowa VINE at 888‐742‐8463 or on the VINE website at www.vinelink.com.
As a victim of a crime, you have several rights:
- Notice of defendant's release from jail and terms of release, including appeal bond.
- Notice of defendant's escape and/or final release from local custody.
- Notice of the scheduled date, time and place of trial, and the cancellation/postponement
- of any court proceeding requiring your attendance as the victim.
- Notice of any plea agreements related to the crime in which you are a victim.
- Notice of the time and place for you to make an oral victim impact statement, in the
- presence of the defendant, if an oral impact statement is desired.
- Notice of all dispositional orders of the case in which you are a victim.
- Notice of on‐going prison status until final discharge, if defendant is given prison term.
- Notice of defendant's release from prison on appeal bond.
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If you want to be provided with this information, you must register with:
Polk County Attorney's Office
206 Sixth Avenue, Suite 112
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Or call 515‐286‐3057, and ask for the Victim Liaison assigned to your case.


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"I have read a number of media reports emanating from BCCI (Board of Control for Cricket in India) in which you and other BCCI officials are quoted as spokesmen on behalf of the Board," said ICC chief executive Malcolm Speed in a letter written to BCCI honorary secretary Niranjan Shah.
"The President (Ehsan Mani) and I are both very concerned that BCCI is moving ahead and taking what appear to be unilateral decisions that are contrary to ICC policy as agreed by the ICC members including BCCI."
India, which hosts the next edition of the Champions Trophy One-day event in October-November this year, believes the tournament - staged every two years - dilutes the importance of the four-yearly World Cup and causes huge financial losses to the host country.
"We will honour our commitment to organise the Champions Trophy this year but want the tournament to be taken off the calendar in future," an Indian cricket board official told AFP in Delhi earlier this month.
"Since the ICC takes away a major part of the revenue, the tournament is a financial burden on the country which hosts it."
The move to scrap the tournament comes amidst reports that India wants to maximise revenues from TV rights by organising more series against major nations like Australia, England and Pakistan over the next four years.
However, Speed said in his letter: "I wish to remind BCCI of three important decisions that have been taken by the ICC and IDI (the commercial arm of the ICC) Boards in recent times.
"At its meeting in Auckland on 9 March, 2004, the ICC Executive Board resolved to adopt the ICC Future Tours Programme (FTP).
"The effect of this decision is that the FTP is binding on all of the members of ICC, including BCCI. Any attempt by a member to amend it unilaterally without the consent of the ICC Executive Board is invalid."
Speed, an Australian, added in his letter: "With the greatest of respect to BCCI, could I urge you to take these decisions into account when you are considering scheduling of matches."
He said the next appropriate forums to discuss ICC policy were the Chief Executives Committee and Executive Board meetings scheduled for February and March 2006 respectively.
Speed also reiterated a previous offer from Mani to provide the BCCI with a full briefing on ICC policy ahead of these meetings.
The Champions Trophy was the brainchild of former Indian and ICC chief Jagmohan Dalmiya, who lost control of the Indian cricket board in November when his faction was voted out by political heavyweight Sharad Pawar.
The previous four editions of the Champions Trophy were hosted by Bangladesh (1998), Kenya (2000), Sri Lanka (2002) and England (2004).


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KNOWLEDGEWARE ANNOUNCES FY 1993 FIRST QUARTER PROFIT ATLANTA, Oct. 22 /PRNewswire/ -- KnowledgeWare, Inc. (NASDAQ-NMS: KNOW) today announced revenues and net income for the quarter ended Sept. 30, 1992. Revenues for the first quarter of fiscal year 1993 were $29,440,000 compared with $21,598,000 reported in the same period last year. Net income for the quarter totaled $743,000 or $.06 per share, compared to fiscal 1992 first quarter net loss of $4,872,000 or $.42 per share. First quarter earnings marked the fourth consecutive quarter of profitability since the company's loss in the first quarter of fiscal 1992. KnowledgeWare Chairman and CEO Fran Tarkenton commented, "We are pleased with our profit level for the first quarter, which is historically our toughest quarter. We have successfully maintained expense controls, and simultaneously increased our expenditures for R&D by $1.1 million over the same quarter a year ago." "The economy is still not hospitable to discretionary purchases like software but we are encouraged by modestly strengthened demand across our product line," Tarkenton continued. "We attribute this in part to the various acquisitions concluded over the last 18 months and the resultant strength and breadth of our portfolio." Significant company events during the quarter included the announcement of inclusion of all of KnowledgeWare's products in IBM's AD/Cycle framework. IBM has been marketing 13 KnowledgeWare products since September 1989. Under the expanded agreement, IBM will market an additional eight products. According to KnowledgeWare President Donald Addington, "IBM's selection of KnowledgeWare as its full lifecycle AD/Cycle development solution is the culmination of two years of effort by our respective development and marketing organizations, and an acknowledgement of the strength of KnowledgeWare's products and the significance of our 4,000 customers around the world. Our marketing activities with IBM are enhanced by our work together on IBM's support for workgroup development. We have received very positive feedback from our customers on these initiatives." Addington continued, "Our multi-faceted relationship with IBM remains strategic. On the one hand, IBM's worldwide application development organization is one of our top prospective customers, and their use of our products for internal development is very significant. And on the other, IBM continues to be the single most influential vendor in our target market. We respect the value of our joint marketing relationship and cooperative development efforts as both KnowledgeWare and IBM work to offer solutions to our mutual customer base." Results for the quarter ended Sept. 30, 1992, also include the shipment of the company's 100,000th product. "We are very proud of this milestone," said Addington. "With over 4,000 customer accounts, 100,000 products shipped, and many interfaces between our encyclopedia and third party software products, our application development tools have become a de facto standard in the industry." Looking forward, Tarkenton commented, "One area of focus for us is growing non-product revenues to broaden and diversify our revenue base. We announced this week the acquisition of Computer & Engineering Consultants, Ltd., a Michigan-based consulting and methodology company; the formation of a new consulting division; and the addition of a new executive, Jonathan Harding, to run the division. With the completion of the CEC acquisition this division will comprise over 50 professionals well-versed in our products and their practical use. We expect continued growth in this area of the business." KnowledgeWare is the market leader in providing application development solutions for client/server, mid-range, and mainframe environments. KnowledgeWare's Application Development Workbench encyclopedia has become a de facto standard for business applications development, and is currently used by more than 4,000 companies and supported by 70 independent software vendor and consultant products. At Sept. 30, 1992, KnowledgeWare had shipped more than 100,000 products to 32 countries. For more information, contact KnowledgeWare, Inc., 3340 Peachtree Road NE, Atlanta, GA 30326; 404-231-8575 KNOWLEDGEWARE, INC. AND SUBSIDIARIES Condensed Consolidated Statements of Operations (In thousands, except per share data) (Unaudited) Three months ended 9/30/92 9/30/91 Revenues: Software product license $19,433 $14,080 Service agreement 8,344 5,766 Consulting and education 1,505 1,330 Other 158 422 Total 29,440 21,598 Costs and expenses: Cost of revenues 3,985 3,741 Selling and marketing 13,834 13,822 General and administrative 3,165 6,131 Research and development 7,504 6,384 Total 28,488 30,078 Income (loss) from operations 952 (8,480) Interest income, net 228 622 Income (loss) before income taxes 1,180 (7,858) Provision (benefit) for income taxes 437 (2,986) Net income (loss) $ 743 $(4,872) Net income (loss) per common share $ .06 $ (.42) Weighted average number of common and common equilavent shares outstanding 12,343 11,666 KNOWLEDGEWARE, INC. AND SUBSIDIARIES Condensed Consolidated Balance Sheets (In thousands, except share data) (Unaudited) ASSETS 9/30/92 6/30/92 Current assets: Cash and cash equivalents $ 35,209 $ 40,125 Trade accounts receivable: Receivable from related parties 10,609 4,636 Other, net 17,534 20,882 Inventories 565 685 Prepaid expenses and other current assets 2,772 2,481 Prepaid income taxes and income taxes receivable 2,870 3,903 Deferred income tax benefits 5,208 5,208 Total current assets 74,767 77,920 Property and equipment: Leasehold improvements 5,223 5,208 Furniture and fixtures 16,788 16,754 Computers and related equipment and software 20,572 20,531 Total 42,583 42,493 Less: accumulated depreciation and amortization 17,592 15,787 Total 24,991 26,706 Other assets: Acquired and developed software, net 24,049 23,928 Other long-term assets 1,145 627 Total 25,194 24,555 Total $124,952 $129,181 LIABILITIES AND SHAREHOLDERS' EQUITY Current liabilities: Trade accounts payable $ 3,915 $ 3,888 Deferred revenues 23,710 25,247 Accrued expenses and other current liabilities 10,123 11,109 Accrued compensation and payroll taxes 4,058 6,601 Commissions payable to related parties 598 878 Income taxes payable 326 0 Total current liabilities 42,730 47,723 Deferred income taxes 4,616 4,616 Shareholders' equity: Common stock, without par value -- 100,000,000 shares authorized; 11,823,835 and 11,814,545 shares issued and outstanding on Sept. 30, 1992 and June 30, 1992 respectively 50,817 50,796 Retained earnings 26,789 26,046 Total shareholders' equity 77,606 76,842 Total $124,952 $129,181 -0- 10/22/92 R /CONTACT: Rick Gossett of KnowledgeWare, 404-231-8475, ext. 2138/ (KNOW) CO: KnowledgeWare, Inc. ST: Georgia IN: CPR SU: ERN
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|PR Newswire
|Oct 22, 1992
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