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The bathroom design software is a singular software software that offers you the opportunity to simply design loos or en-suite lavatory layouts. The good thing about using the software program in your kitchen layout and cabinet designs is that once you finalize the designs after utilizing accurate measurements and contemplating the utility openings and different minor particulars, the manufacturer has solely slightly scope of any error dedicated whereas producing the cabinets and different kitchen furniture.
Sir gud day po ang ganda po ng design nyo hndi po architech pero gumagawa din po plan of my very own home sa laptop ko utilizing chief architech x2 pero ng mkita ko po design nyo nawalan n po ako ganang magsunog pa ng kilay sa pag-gawa ng plan ko..sir meron po akong lot sa ngayon at 51 sq.meter lang po ito iniisip ko po na kung pwede magawan nyo rin po sana ako ng design sir..paki e mail nalang po sir sa account ko.
I'm from iligan city, and deliberate to have a home for my family, we were given a lot from the government of a minimal price, which measured ninety seven sq.u. upon browsing right here i'm actually interested in the designs u made here, especially this design above, but to my dismay this cod match to one hundred fifty sq. u. which is mine is lot smaller than this.
TV's in the bathroom are nothing drastically new, prime end hotels and flats have for a while put in televisions in the toilet, usually inbuilt to the walls and thus defending the electrics from the water and water vapor prevalent within the bathroom.Luxurite waterproof TV was invited for the kitchen Mirror TELEVISION Design by uk Magnet, This might mark Luxurite merchandise enter the ranks of worldwide brands.

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why are people freaking out about Ilum in 1.7?
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Quote: Originally Posted by
There isn't any play style that i dislike and unlike you i don't complain too much about nonsense.
I am on a PvP server even though i prefer PvE side of the game because i find that it's much more exciting and realistic when you can actually attack or be attacked by a player of the opposing faction once you encounter him.
I don't see why some people are scared of potential PvP encounters in this event, especially since the chances are they will not be alone.
I could give you what is probably going to be a number 1 reason why, depending on how they structured this event. The one thing many people hate doing, even in a video game, is feeling like they just wasted their time. Especially if said people have a more limited time frame to play due to work, school, wife, kids, or just life in general. And the fact is if someone has just spent 45 minutes, an hour, 2 hours, or whatever trying to get something completed and have someone come out of nowhere and gank them forcing them to start back over having just wasted (or at least feeling like they just wasted) that time they have spent with their more limited play schedule.
Now to be quite frank, given the nature of your posts I don't expect you to grasp that and even if you do I foresee you caring so little that you will come back with some rote Halo kiddie response of "I feast on the their tears" or some other ridiculous nonsense. So odds are I am wasting my breath and would've been better served talking to the wall next to me, but I figure it was worth a shot to try.
Military Police Corps
a body's natural defense against


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Wellington welcomes government action on Rail
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"The Government's decision to purchase a controlling stake in Tranz Rail, and take back control of the rail network and track is very good news for Wellington commuters, and I congratulate the Government for making the decision", said Margaret Shields, Chairperson of the Greater Wellington Regional Council.
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Very nice hotel. Worth our stay. Close to a big mall with a free shuttle ride and only a few minutes to the airport.
Airport hotel with very comfortable beds and few service frills but a trendy vibe, decent breakfast buffet, and helpful, personable staff. It's a little harder to get to from the airport than advertised—it looks like a short walk from Terminal 3, but not all the hotel grounds and roads in between ...
Booked this hotel to avoid traffic and hassle for morning departure. Room was comfortable, restaurant was good.
Our hotel was in an excellent position to walk to all the main attractions in Paris. It was right in the city with little noise to distract ones sleep and easy walking areas to enjoy. Our view from our window of the Eiffel Tower is one we will never forget.
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This Scottish holiday cottage is set in stunning west highland scenery on the Morvern side of Loch Sunart facing a mountain called Beinn Resipol. We rent it to holiday guests from April to the end of October. What it offers is unique: a place where time has stopped.
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The Magic of Finkleton Paperback – April 26, 2011
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Hilton tells a creative tale of a magical rural village in England.
Uncle Harry Finkle is an elderly man who keeps the village of Finkleton running smoothly; each farm receives exactly the correct amount of rain for the crop grown in its field. Finkleton has never had a bad crop or an unsuccessful business, and nobody ever wants to sell land to outsiders, however desperately the interlopers want to buy. After an unexpected incident, three resident children named Jack, Robert and Lizzy inherit their Uncle Harry's general store, as well as all its secrets. As the children make discoveries, they find it necessary to keep secrets from their parents, thinking that it's in their best interest. Hilton writes this tale in a clean, smooth and straightforward manner. Although more mature audiences will easily discern the plot's movement, there are enough surprises to keep all readers interested. The book moves along smoothly from beginning to end, with realistic portrayals of sibling disagreements, as well as solidarity, throughout the book; conversations and arguments between the siblings suggest Hilton is savvy about familial politics. The author provides little depth to certain characters, notably the parents, though as the central focus of the book, the children are more richly constructed. Setting details are sparse, with the exception of three rooms in the basement of the general store in which most of the book's action takes place. The author introduces magical artifacts such as hourglasses, scrolls and weathered maps with a perspective that is fresh and unique. Children and young adults alike will relate to the protagonists and may learn some moral lessons as the children decide to use the magical talismans for the good of the town, and not merely for their selfish desires.
A solid, simple read that encourages altruism while remaining lighthearted. -- Kirkus Reviews, May, 20, 2011
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The character dialogues feel forced, but the character are fairly likable and engaging. The plot is a little slow, but the mystery is engaging. Readers who enjoy fantasy, adventure, mystery, and magic will enjoying reading this book.
The story is about a small community that is just about perfect. When the founder suffers a fatal heart attack, he sets in motion a way to keep the community safe. What results is the story of a family and how the children discover the magic independently, and work together to keep the perfection known as Finkleton safe.
This book will not appeal to someone who wants dazzle and flash magic. It will, however, appeal to the child or adult who appreciates a step back in time when life was gentler. For those who like books like "Fair Weather" and "A Year Down Yonder" and other books by Richard Peck, don't miss this treasure.
Jessi Lohman
Which brings me to KC Hilton's book.
Hemingway created a style where less is more. We are supposed to figure out every nuanced reaction. Here we are told what is going through each of the characters heads. We may know that a stomped foot means the child is frustrated, but here we are reminded. A child needs that kind of information. An adult doesn't. But there is something pleasant, relaxing about reading a book that doesn't require one to think too deeply about what every physical mannerism means.
And of course there is the fun of getting lost in the magic.
Finkleton is a magical place where secrets must sometimes be kept, and sometimes told. We enter a world before computers, i-pods. Well, actually this is a world before TV, telephones, and even cars. And in this world of Finkleton, everything is perfect for farming because of magic. But when the 80 year-old man passes who is keeping everything in balance, things at Finkleton start to go astray.
The three children are the heroes of this book. Each one has his or her strengths and together they can tackle the problems that they face, but can three children work together? They act like any child would, which makes this charming. And just when things start to straighten out, a new mystery is adding making me wonder if a sequel is in the works.
I'm not an expert on children's books, but I imagine this is a good book for someone around 7 to 12. Or for adults who are looking for an escape to their inner childhood.
Finkleton is a magical place with interesting characters, I hope we meet more of them as the stories continue. The only reason I did not end up giving it 5 stars is the pace of the story slows in the middle, I wanted to see them leave the house/store and actually get a look at Finkleton and the farmlands and lastly I wanted to get to know their parents better, they seemed to disappear through the majority of the story and I missed them
The Finkle family have inherited their uncle Harry's general store in the rural town of Finkleton. Uncle Harry's general store is the hub of this rural community, in ways none of the Finkles can imagine. The three Finkle children each use their unique abilities to keep Finkleton safe and secure. Magic gives this story it's edge, but good traditional family values, with respectful and obedient children, are what makes this story great. Keep in mind this is a true children's story. That said, this book is very highly recommended.


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Venice Beach has always been this side of skuzzy and although two decades have passed since I first encountered this iconic Californian beach town it hasn't improved much. I lived in different parts of this Los Angeles enclave over the years. Initially, I sublet a cramped one bedroom apartment that three of us shared for a …
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This extended four bedroom detached family home is situated on a corner plot and on a sought after cul-de-sac. The property provides flexible and spacious living accommodation with the ground featuring three reception rooms and the inclusion of a 22ft lounge, a 14ft dining room and an 11ft family room. There is also a 17ft fitted kitchen, a 16ft integral garage/utility room and a downstairs cloakroom. On the first floor there are four well-sized bedrooms and a three piece family bathroom with the master bedroom benefiting from an ensuite shower room. Externally the rear garden is well enclosed and laid to lawn whilst to the front of house there is off street parking for three/four cars. This property would make for an excellent family purchase due to its generous living space and convenient location.
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Home › Forums › Ideas and Valuations › Consumer Discretionary › Under Armour
This topic contains 11 replies, has 1 voice, and was last updated by Erik 7 months, 1 week ago.
February 4, 2017 at 7:21 pm #5627
During Office Hours on February 2, 2017, we talked about Under Armour (UA / UAA) and have agreed to work on a valuation of the company together. Here is a summary of our discussion:
1. Under Armour was started by Kevin Plank, a former University of Maryland football player. He started the business out of his grandmother's basement and has built it into a multi-billion enterprise 20 years later.
2. University of Maryland's football team was one of the early adopters of UA goods and the team is known for its cutting edge uniform designs.
3. The company has three shares of stock, A, B, and C classes. B is the founder stake, with preferential voting rights. A shares were the first shares listed on public markets and have voting rights (ticker = UAA). The C-class shares were first issued in March, 2016 and have no voting rights (ticker = UA).
4. More background (including live model and financials) available in the Article's section through this link: https://frameworkinvesting.com/?s=under+armour
Demand Environment
1. Recent sharp fall in shares may be related to slowing US domestic growth.
2. In 2015, roughly 15% of sales were made in overseas markets, and revenues overseas are growing at around 60% Year-over-Year (YoY)
3. If a revenue source representing 15% of total sales is growing at 60% per year, that equates to a (0.15 * 0.60 =) 9% tailwind on revenues. As the overseas sales become a larger proportion of total, this tailwind will also grow.
4. Our group assignment was to come up with best- and worst-case revenue growth assumptions over the next five years for Under Armour and to be able to explain why we chose those numbers.
1. We noted a very negative OCP profitability in FY 2015 and looked through the Statements of Cash Flows. We identified several very large cash outflows in Inventories and Accounts Receivable.
2. Robert has sent some research along regarding inventory write-downs. I'll post this in a separate post.
1. Ra'uf mentioned UA's declining quality ratio and wondered if that was something about which we should be worried. This was such an interesting question, I wrote a separate post about it, which you can find here: https://frameworkinvesting.com/under-armour-ua-uaa-quality-company/February 4, 2017 at 7:25 pm #5629
Robert wrote in the following email regarding Under Armour write-downs:
Hi Erik/Joe,
I put together an quick spreadsheet that compares UA Inventory Turnover Vs some peers, the comps universe is limited. Nike is the most impressive company. Their inventory turnover has trended down slightly over the time period. However, operating profits are high and they've grown those profits faster than sales.
Lululemon has very high growth rates but you'll notice operating profits peaked in 2014 even though sales have kept growing, at a slower pace than before.
UA inventory write downs are buried in COGS. However, I don't think its a material number. In the 2015 AR they do disclose "inventory obsolescence" as part of deferred tax assets, it looks to have been about $3M. More importantly I think it is showing up in gross margin as the discounted products deflate sales. You'll notice that their inventory turnover has improved over the time period.
I found an article from Jan 2016 that mentions that they are working with SAP on inventory optimization and are rolling out in Q1 2017:
SAP engagement
UA is collaborating with SAP (SAP) (SAP.DE) to provide enterprise resource planning (or ERP) solutions for inventory optimization, process improvements, and improved cost management. On the inventory side, the biggest benefit is expected to come from higher inventory visibility across selling channels and geographies.
The first phase of implementation is expected to commence in 1Q17 according to comments by Paul Fipps, chief information officer at UA.
Other companies in the industry implementing ERP solutions include Adidas (ADDYY) (ADS.DE) and Columbia Sportswear (COLM)
Here is a link to the file Robert sent:
https://frameworkinvesting.com/wp-content/uploads/2017/02/UA-Inventory-Analysis.xlsxFebruary 5, 2017 at 1:54 am #5631
Meeting Minutes from Office Hours on 2/4/2017
Good discussion about UA – talked about the marketing challenges to UA's increased growth. Specifically, UA came onto the scene to exploit a niche (compression wear) that was unoccupied by any of the majors. Now, as it is becoming a major player in its own right, it needs to figure out how to build on its unique "technical" capabilities. Does this mean it will have to rely on its "Connected Fitness" segment? Maybe, but the segment revenue share is still very low, so will have to increase very strongly to have a material impact on the firm (said Erik). Others disagreed – saying that even if the Connected Fitness didn't bring direct sales, it might bring a halo effect to the brand or might encourage use of its other products as a complement to the Connected Fitness devices.
Lee pulled together product-line revenue forecasts for the next five years (thanks, Lee!), and those are in the linked workbook in the tab entitled "Segment Model".
I pulled some stats on Nike's early growth and created a couple graphs of that (also in linked workbook). Robert R. made the suggestion that we take a look at how fast Nike grew at the early stage of its development and triangulate on that.
Next Steps
We pulled together a really rough valuation, but need now to look more closely at capital requirements to grow the business. In the IOI model, this equates to "Expansionary Cash Flow as a percentage of Owners' Cash Profits".
Getting very close to our first group valuation! Very exciting!
Here's the workbook: https://frameworkinvesting.com/wp-content/uploads/2017/02/UA-GroupWork_2017.02.04.xlsxFebruary 6, 2017 at 5:31 pm #5658
Two quick additions to the Under Armour library:
1984 NYT article regarding Nike's struggles at the time
IOI Commentary article regarding Under Armour's operating profitFebruary 9, 2017 at 10:17 pm #5693
Note From Robert on 2/8/2017
Christina and I did some work on UAA today. We added 4 tabs to the beginning of the valuation model. The "first 15" tab uses the data that Erik put together. Notice that through the first 15 years and Years 6-15 UA had a higher revenue CAGR than Nike. In Years 11-15 (1988-1992) Nike had higher growth than UA, could be the Air Jordan effect?
After the initial 15 Year period Nike was able to grow revenue at the following CAGR:
• Next 5 15.2%
• Next 7 14.5%
• Next 10 11.3%
Since 1995, when Nike reached 4.7B in sales, close to UAA now , they have a revenue CAGR of 8.96%.
Second tab is Nike OCP Average, Nike average and median OCP is 7.4%-7.8% since 1993. Removing the top 3 and bottom 3 outliers had little effect.
Third tab looks at CAGR's for OCP and Free cash flow to firm (proxy for FCFO available in Y Charts) as a starting point during stages 1 & 2. The annual data is all over the place. OCP margin is about 9.5% Free Cash Flow CAGR is over 12% during stage 2
We started building the valuation model consistent with some of the above comps. No inputs for expansionary cash flow or balance sheet. Worst case scenario is around $17. That is the same floor as what a worst case P/S ratio of about 1.6 infers . UAA has rarely traded for 1.6, during the financial crisis it briefly traded for less than 1 times sales, it is possible UA could go to 1 X sales.
Finally, UAA missed sales by approximately $100 million. If we back that out and attribute that entire loss (big assumption) to Sports Authority they hit top line growth:
Figures were in this article, I'm assuming from the 10Q or conference call back in Q2.
Now Under Armour says it will take a $23 million impairment charge in the second quarter, and was only able to collect $43 million of $163 million in revenue it expected through Sports Authority in 2016. Those effects warranted revisions to Under Armour's full-year guidance, but only tiny ones. The company, which counts star athletes like Stephen Curry, Jordan Spieth and Bryce Harper among the faces of its brand, cut its 2016 net revenue forecast to $4.925 billion, a shade below its previous guidance of $5 billion, and said it expects profits of $440 million, rather than $445 million.February 9, 2017 at 10:35 pm #5694
Trump and Under Armour
Believe it or not, there's a connection… Here's the note from Robert:
Kevin Plank made a positive comment on Trump and one of the key athletes, Steph Curry, spoke out against trump. I was thinking how this ties in with the video that Erik produced on Trump.
I thought this was an interesting video that CNN put together and wanted to share it with you. Please don't feel any obligation to watch.
http://money.cnn.com/2017/02/09/news/stephen-curry-trump-under-armour-asset/February 10, 2017 at 5:37 am #5701
Notes from 2/9/2016 Conference Call
Christina presented a revenue model that she and Robert had been working on. This model compared Under Armour's first fifteen years of sales to Nike's first fifteen years, then extrapolated compound annual growth rates for the next 10 years out for Under Armour based on how Nike had performed.
The group saw a few potential problems with this:
1. When Nike was young, the industry was still in its infancy, so growth trajectories might not be identical between UAA and NKE.
2. The base product lines are different – shoes (NKE) versus apparel (UAA).
3. Nike had much less access to international markets in its infancy than Under Armour does now.
Erik's Take
In general, I expressed my opinion that a statistical model like this was usually best left for the end – sort of a sanity check to see how your revenue growth assumptions might look compared to the history of an older, more established company. If your revenue assumptions imply growth much faster than – in this case Nike – you know that you should probably go back and take a closer look.
We then took a look at Lee's product-line model. Some of the assumptions seemed to bullish; Kyle brought up the fact that the company itself had only targeted $10 billion in revenues by 2020, but Lee's model was much higher in the best case.
Erik's Take
In general, I really liked this approach, but thought we should look more closely at the input assumptions.
Conclusions / Homework
I suggested that we try making similar assumptions for geographical expansion as Lee had done for product-line revenue growth. The idea would be to triangulate between a few different approaches to see if it was actually possible for UAA to grow at a certain rate assuming certain conditions.
For example, overseas revenues make up around 15% of total and are growing at over 60%. If they continue to grow at 60% for the next five years and the domestic market slows from the teens percentages to the upper single-digit percentages, what will the revenue picture look like in 2020? Does this model agree with the product-line model? How do the geographical and product-line models compare to a statistical model like Christina's and Robert's? Most importantly, are there enough feet in the world that need UAA tennis shoes for our growth assumptions to work out?! It might seem like a silly question, but some Crocs models were doing the equivalent of assuming that every man, woman, and child in the US would buy 1 pair of Crocs every season…
Here is the most recently updated model. All orange tabs are ones that members of the group created.
IOI Integrated Valuation Model for Under ArmourFebruary 11, 2017 at 9:27 pm #5709
Notes from 2/11/2017 Office Hours
1. "Skin in the game"
Kyle noted that he had made a small investment in Under Armour call options because he had a hard time concentrating on a company if he didn't have "skin in the game." Indeed, this is the same strategy an old portfolio manager of mine had as well, and I've found it to be effective too. The PM would buy a small stake – say 1%-2% of the total assets under management (this PM's mandate was that he could not hold a position with more than a 10% weight, and most of his positions ranged in the 5%-8% range) – then say "Okay, let's go figure out if we want to buy more." The small allocation meant that even if it turned out that the stock was not attractive, and we ended up getting rid of it, the fact that we had taken a position and knew that a final decision had to be made meant that we worked harder on the analysis.
The important thing about this is first, not to take a position that is too large compared to what you consider to be a comfortable maximum position size. Second, to make the commitment to either increase the position size appropriately, or sell the thing off; you don't want to be left with a bunch of tiny positions that you don't care about! Third, if you're using options, my advice always is to make the smallest "immediate realized loss" as you can by limiting the amount of time value you pay. A good way to use options in this kind of a situation is a small position in a sold put. This way, you're collecting premium from time value rather than paying it out!
2. Modeling
We created a new "Geographical Segments" tab in the model and started with Best- and Worst-case assumptions for the N. American market. For International, we noticed a huge jump in revenues in 2014, and Kyle was going to check into the root cause for that. The geographical splits look like a nice way to model this company. My suggestion would be to look at geographical, then try to use product-line and statistical methods (Kyle mentioned the Maubossin study regarding revenue growth and Christina and Robert were looking at NKE stats) to triangulate a set of reasonable best- and worst-case scenarios.
Here's a link to the most recent model with the Geographical model already set up. Members are invited to download the model and start thinking about how they would model geographical and product-line revenues in the short-term!February 17, 2017 at 2:07 am #5768
Note from Kyle R. Regarding International Segment Growth
To answer the question you posed on the call as to why the growth rate shot up internationally in 2014 to a 98% revenue increase:
in 2014 they opened 68 new brand stores outside of North America. This was an increase from only 13 brand house stores in 2013.They also rolled out underarmor.com in a litany of new markets and languages. They signed tennis star Andy Murray (from the UK). At the end of 2014 they targeted to open 100 more international brand stores in FY 2015. In 2014 they obtained a new distributor agreement to the middle east. It appears much of the growth was in EMEA. They appeared to have just begun entrance into "Asia Pacific" i.e. China and Southeast Asia. They had just opened their first brand store in Latin America. They had "new" launches in Brazil, Chile, "Southeast Asia" and the Middle East. So as of December 2014, most growth had come in Europe. They were targeting having half revenue global half from international "some day" and accomplishing this would mean it was a global brand. (All info obtained from February, 2015 earnings call discussing FY 2014 results).
September 2015 investor day presentation: During the investor day presentation they guided that by 2018 they would have 2,000 brand stores outside of North America. They also explained that by 2018 they would have 30 localized e-commerce experiences which would cover 80% of the markets around the world. UK Germany and France represent 70% of the EMEA revenues. They were looking at entry into india in 2018. "So, where do we end up in 2018? By 2018, we are projecting that 80% of our stores will be outside of North America. We will have over 1,000 stores worldwide. We will have stores in close to 40 countries and over 3 million square feet of retail space. We are tripling our footprint.
75% of that growth is coming from international locations and 60% from partner-operated retail. We will have over 150 million athletes visiting our stores each year. We are truly just getting started."
In 2015, Under Armor gear was sold in 60 countries. They had more than doubled the amount of "in country" websites in 2015. In 2015 they saw "triple digit growth" from Asia Pacific, and opened new brand stores. Europe's focus was UK and Germany. They launched 9 in country new websites for Europe. Latin America faces "macro challenges" in Brazil, but expansions into Chile "more than offset" the Challenges in brazil. They continued to work on direct to consumer sales and wholesale internationally. (All info obtained from January 2016 earnings call discussing FY 2015 results).
after q3 2016 they said: EMEA continued to be strong but greatest growth now in China. China posted q3 revenue equivalent to the entire first half of the year, which means they were looking to double total revenue of $80MM from china the previous year." They had already opened 100 stores in china, and were driving e-commerce. China "just getting started." "With sports and fitness being promoted strongly by the government, we continue to be viewed by the Chinese consumer as the Performance Brand or referred to often as the Professional Brand." They had now reached 30 country specific e-commerce sites adding Mexico, Australia, New Zealand and Chile. This means they had beaten their 2015 e-commerce site projection by over 2 years.
in the most recent earrings call they said:
We feel particularly strong on China, very bullish on that market. It's been one of our highest growth and becoming very, very profitable for us. A lot of great, great relationships that we're building in that market with great leadership. Europe as well. We've had some great strides there also, making some good traction with the right marketing investments there.
And then Latin America, which is kind of our newest region, is one that we're still cultivating, but it's growing well. And if you look at our total international profitability, y-over-y we're seeing significant improvement there. So it's a great play for us, and we're going to continue pushing hard in that area."
This was the best I could do on short notice to get some numbers. They are kind of confusing in how they talk about stores. There are company owned stores. Then there are stores within stores. And then they have distribution partner stores. Sometimes its hard to tell which type of store they are talking about. China is crushing it and seems to be the biggest growth driver and their biggest focus. Europe continuers to grow. They sound like they still lost money or break even in Latin America, and have yet to open in India. They've only been in China since mid-2014. That gives you some idea of the runway.February 17, 2017 at 2:18 am #5769
2/16/2017 Office Hour Notes
Spoke mainly about geographical growth and started plugging in some tentative numbers. A few things we found:
1. Sales in Japan and Korea are all license sales through a company called "Dome." Under Armour holds a minority stake in Dome, so may receive some dividends in addition to a share of profits.
2. In 2013, UA started to build out its international stores, so International profitability took a big, sudden hit. On an op profit basis, looks like 10%-15% is a mature market's typical profitability. On an OCP basis, 5%-10%?
3. Investment spending over the last three to four years has been very high – probably due to Connected Fitness. We need to make sure we understand the capital requirements for the firm going forward (One idea is to look at NKE and Adidas for comps. Another idea is to take a look at spending pre-Connected Fitness. My guess is that pre-Connected Fitness cap requirements are about the same level as NKE's…).
Christina had brought up the issue that just looking at geographical segment and guessing best- and worst-case revenue growth was not much better than a shot in the dark. This is certainly true – it's better to understand the numbers behind the growth rather than looking at percentage growth.
Next Steps
1. Erik suggested looking through past 10-Ks to find data about the number of retail locations selling UA products. Recent data is available for "brand stores" (i.e., UA-owned retail outlets – 1 location in Chicago metro area) and "factory stores" (i.e., discount outlets – 2 locations in Chicago metro area).
2. It might be good to pull FCFO data for NKE to get a view of how much a mature business spends on investments.
Looking through an old 10-K, I noticed that there is a very large proportion of the company's US sales to a few large distributors. Probably worth thinking about what happens to inventory if a retailer goes bankrupt…March 10, 2017 at 2:48 am #5908
Notes from 3/9 Office Hours
We started off talking a little about Caterpillar (CAT). IRS raid on Peoria headquarters was related to tax avoidance through "transfer pricing" schemes. PwC – the company who won infamy for giving the wrong envelopes to Warren Beatty at the Oscars – was in charge of the tax avoidance. (All big accounting firms make a ton of money doing this kind of business though… It's not only PwC, but KPMG, and D&T as well).
For those of you unfamiliar with Excel, we have a video series in the Video section of the site entitled "Excel for the Intelligent Investor". Take a look at those!
Moved to talking about Nike (NKE) as a model for Under Armour (UAA) revenue growth.
1. We looked at long-term revenue increase data. Kyle mentioned that worldwide, sporting goods sales are forecast to rise at around 4% per year.
2. Kyle had calculated that Nike's early international growth averaged around 18%. More recently, that growth had dropped to average 6% per year.
3. Kyle mentioned that he was surprised that Nike's international sales and domestic had tracked each other so closely in the early years (1991-1999 or so)
4. Kyle pointed out the international sales really took off starting in around 2002.
5. Joe pointed out that domestic sales, in contrast, flatlined (Nike had a "lost decade" domestically from roughly 1997-2006).
6. Kyle wondered how applicable looking at Nike's growth would be since the market for sporting goods was much more mature now than then.
7. Erik pointed out that for a company like Under Armour, which was new to the Chinese (and European) markets, the secret to growth was simply increasing the number of distributor relationships, so anchoring too much on, for example, the 4% expected global growth rate was probably too conservative.
1. Fill in a few years of "Expansionary Cash Flow" data for Nike. Eventually, we'll have these data available via an online tool, but it is helpful to understanding where the information comes from to do it oneself.
2. Everyone should make some revenue projections for geographic segments at Under Armour.
We'll review the homework on Saturday 3/11. Nike Model is below. Under Armour model is the same one posted in this forum on 2/11 (above).March 13, 2017 at 2:26 pm #5962
Notes from 3/11 Office Hours
1. Kyle walked us through his geographical assumptions for Under Armour after pointing out that UAA has started breaking out revenues by specific international markets. Kyle considers the resultant revenue increase in terms of the company's goal of having a $10 billion revenue line by 2020. Kyle's best-case revenues are just at that $10 billion level and worst-case revenues are a bit below.
2. Erik also walked the group through his geographical assumptions for UAA. I have also keyed off of the $10 billion goal by 2020 in my best- and worst-case revenue scenarios. I had noticed that in the case of Nike, its foreign and domestic revenue growth slowed very quickly after a period of rapid growth. My revenue forecasts for UAA also replicate this pattern.
3. I am still worried that these revenue forecasts are just "playing with numbers." I'd be more comfortable with these forecasts if I understood more about UAA's building out of distribution networks overseas.
4. Another possibility I think we should consider is that UAA does NOT grow domestically for some period. Even Nike had a lost decade from roughly 1997-2006, where domestic revenues hovered around $5.5 billion. Why could this not happen to UAA as well? Domestic revenue growth has become pretty tepid pretty quickly, after all.
We also worked through Nike's investment spending (see linked spreadsheet below). Two important points:
1. Our assumption for maintenance capex is usually based upon "Total depreciation and amortization" adjusted for inflation. There are cases where this does not hold true, but for UAA, it seems like a reasonable assumption.
2. Nike has been issuing a lot more stock to its employees over the last few years than it had in the past, and doing so at a higher stock price. This means that our assumption for the cash it will need to spend to cancel out dilution is much higher.
3. We also see a big pick-up in capital spending above maintenance capex in the last three years. Clearly, something is going on at Nike… wonder what that is!
4. Looking at the Investment Spending Decomposition chart in the IOI model is a great way to see trends like this. We also spotted a big divestment a few years back – it would be interesting to know what that was as well.
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Naan (Cast Iron Griddle)
0 recipe photos
READY IN:2hrs 50mins
YIELD:8-10 flatbreads
Ingredients Nutrition
- 2 cups all-purpose flour
- 3⁄4 cup whole grain spelt flour
- 1 teaspoon kosher salt
- 1⁄2 teaspoon baking powder
- 1 1⁄3 cups buttermilk or 1 1⁄3 cups yogurt
- 1 1⁄4 cups extra virgin olive oil
- In a large bowl, whisk together flours, salt and baking powder. Using a wooden spoon, stir buttermilk into flour mixture. When dough becomes too stiff to mix with a spoon, dust your hands with flour and knead dough in bowl until dry and wet ingredients are thoroughly combined. Cover bowl with plastic wrap and let ferment in the refrigerator at least 1 hour and up to 2 days.
- Dust work surface liberally with flour. Shape dough into balls 3 to 3.5 inches in diameter. The dough will be very sticky; use as much flour as you need to handle it. Use a rolling pin to roll each dough ball into a circle about 6 inches in diameter.
- Heat a dry cast-iron skillet over high heat until smoking. Slick skillet with 1 T oil. Pick up a dough circle, stretch it out a bit more, shake off any excess flour and place it in skillet. Cook until naan starts to bubble, 1-2 minutes. Drizzle another T of oil over surface of naan, then use tongs or a metal spatula to flip naan. Cook until there is no visible raw flour and surface is speckled brown, 1-2 minutes more. Repeat with remaining dough, adding more oil to pan as needed. Stack finished naan, one on top of another, on plate as you go to keep them warm.
- Serve naan warm. (Naan will keep, covered in plastic wrap, for up to 2 days at room temperature. Warm in a 350 degree oven before serving.
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text: Blue sky. Perfect light. Time to experiment. Deep blue sky. Saigon skyline in blue. Panorama in blue. Along the riverside. The waterway. Red and blue. Black & White. Sepia tone. Related Posts:From Happy New Year to Chuc Mung Nam MoiThe art of walking in high heels and the images to prove itWhat a difference a slip of paper can make – A visit at the hospital ward, Nguyen Du Street, District 1"Be my Valentine" – 14th February 2013The Year of the Snake & The Flower market ho chi minh city river saigon


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This is blog is exclusively for the AKTU students who are eagerly waiting for the Special Carry Over Exam for this academic year 2017-2018. Many AKTU students are still confused and want to know whether the university will conduct any Special carry over Exam or not. Dr. A.P.J. Abdul Kalam Technical University (AKTU), previously known as UPTU has already announced last …Read More »
AKTU Carry Over Exam Fee increased to Rs 1000 per Paper
This is to inform you all the students of Dr. APJ Abdul Kalam Technical University (AKTU) has increased the carry over exam fee to Rs 1000 per subject. This circular was released by AKTU on 21st Oct 2016. Earlier the carry over exam fee used to be Rs 500 then it increased to Rs 750 which already started picking pockets …Read More »
AKTU Carry Over Schedule for Session 2015-16 Pass Out Students Odd Semester Exam 2016-17
Dr. A.P.J. Abdul Kalam Technical University, Uttar Pradesh, Lucknow (AKTU) officially released updated cary over exam Schedule /Datesheet for all Odd semester main Examination 2016-17 only for 2015-16 batch passout students. The Exam is starting from 27th December 2016, The Theory Exams for all semester will be started just after the practical examination. Many students were eagerly waiting after the …Read More »
Regarding AKTU / UPTU Grace Marks & Carry Over Exam 2016-17 Queries, Answers & Updates
Dr. APJ Abdul Kalam Technical University, Uttar Pradesh, Lucknow was formerly known as UPTU has officially cleared with a circular about the 40 marks grace and carry over examination for PWG students. AKTU / UPTU has announced that all the candidate who got grace marks n their result with PWG status can appear in the final year carry over examination …Read More »
AKTU / UPTU Final Year Students Carry Over Exam Form for session 2015-16
AKTU / UPTU officially announced the carry over exam for final year students, All the pass out students of AKTU were eagerly waiting for any mercy exam or special carry over exam to clear the subjects in order to get a job and for 4 year degree but after a long time the much-awaited carry over exam is going to …Read More »
AKTU will Not Conduct Special Carry Over Exam – All you need to Know
AKTU / UPTU has finally decided not to conduct any Special Carry Over Exam (SCOP) from year 2015-16. We at Engineers Corner are here with all the latest updates on Special Carry over Exam from the past few months. Today, We have a bad news for all those students who were eagerly waiting for special carry over exam 2016. As, …Read More »
Update – Regarding AKTU / UPTU Special Carry Over Exam 2016-17
AKTU / UPTU today released an official circular regarding conducting special carry over exam (SCOP) 2016-17. Recently many students from the AKTU / UPTU affiliated college from Noida as well as Lucknow region went on strike with ABVP to conduct special carry over exam 2016-17 for Fail and PCP status students and submitted a memorandum of appeal to the university …Read More »
Regarding UPTU / AKTU Special Carry Over Exam 2016
This article is regarding the AKTU formerly UPTU Special Carry Over Exam 2016 also known as SCOP. We at Engineers Corner always try our best to give you the exact and updated information like every year and that's why we are no. 1 portal for UPTU / AKTU news. From the past three months, we are getting lots of requests, …Read More »


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'Justice League' Superman Black Suit: Henry Cavill Leaks Photo
It looks like Henry Cavill has finally shared some behind-the-scenes update from "Justice League" Movie. A theory that has been under speculation for months recently became more likely to be part of the movie.
Since the death of the Man of Steel in "Batman v Superman: Dawn of Justice," DCEU fans believe Henry Cavill's return will reveal the superhero in a recovering state. Fans hope Superman will be wearing the famous black suit shown in DC Comics & Animated movie.
Recently Henry Cavill uploaded an image on his official Instagram account. The actor revealed a black kryptonian suit similar to General Zod's costume from Man of Steel movie. Check out the image below.
Also Read: Justice League Supervillain: Aquaman To Fight Black Manta?
The in-depth detail suggests the suit to be black and white, revealing a metallic look of the black costume. Henry Cavill has also tweeted "#Superman" in the description. Fans are highly suggesting the picture to be costume used in the first act of Justice League movie.
For fans that aren't aware, in DC Comics the black suit was used by Superman after his awakening from his deathbed. The event occurs due to the battle between the Man of Steel and Doomsday.
Also Read: 'Suicide Squad,' 'Justice League' Crossover Possible: Killer Croc To Fight Aquaman?
Due to the battle's aftermath, Superman wears the Black suit to absorb the yellow sun's radiation to help speed his recovery. The Man of Steel is also revealed with long hairs and grown beard after his awakening in the movie. Earlier, Zack Snyder also hinted a similar appearance for Henry Cavill in Justice League movie as well.
Directed by Zack Snyder, Justice League movie will be releasing on November 17th, 2017. Currently, the main supervillain for the film remains unconfirmed. But Steppenwolf's appearance has been confirmed by Deborah Snyder.
In other news, it was also confirmed that Warner Bros. is working on the Man of Steel sequel as well. The studio has also started short listing directors for the movie.
Also Read: 'Suicide Squad' NSFW Image: Batman Breaks The Joker's Teeth
For more DC Extended Universe News, you can subscribe to our newsletter. If you are a social media junkie and would like to receive updates on your timeline, then you can also like us on Facebook or follow us on Twitter.


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Corporate Travel Planners joins Carlson Wagonlit travel network
Corporate Travel Planners, San Antonio's largest travel agency, has joined the Carlson Wagonlit Travel Associate program.
Carlson Wagonlit is the largest network of independently owned travel agencies in the United States. It has close to 700 locations.
Corporate Travel Planners CEO Christy Prescott says this is not a change in ownership. However, its new affiliation with Carlson Wagonlit will allow the local agency to greatly expand its service offerings to San Antonio travelers.
By participating in Carlson Wagonlit vendor and travel supplier programs, Corporate Travel Planners will be able to offer local customers reduced rates at thousands of major hotels worldwide, specialty-priced cruise vacations and negotiated rates on special tours, Prescott says.
Corporate Travel Planners ranked No. 1 on the Business Journal's latest list of largest San Antonio-based travel agencies. It had year-end 2004 revenues of $85.8 million. The firm offers both business and leisure travel services.
The Carlson Wagonlit Travel Associate program is a division of the Carlson Travel Franchise Group, which, in turn, is owned by Minneapolis-based Carlson Cos. Inc.
The parent company owns Radisson Hotel & Resorts, Park Plaza Hotels & Resorts, T.G.I. Friday's, Carlson Wagonlit Travel and Country Inns & Suites by Carlson. It is privately held.


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Bus Cuernavaca to Leon
Cheap bus tickets from Cuernavaca to Leon
5 bus schedules from Cuernavaca, Mor. to Leon, Gto.
- 5:00 AM - 1:00 PMchevron_rightattach_moneyMXN 630.00timelapse8hdirections_busFuturamorePRIMERA
- 9:15 AM - 5:10 PMchevron_rightattach_moneyMXN 685.00timelapse7h 55mdirections_busFutura SelectmorePRIMERA SELECT
- 12:45 PM - 8:45 PMchevron_rightattach_moneyMXN 630.00timelapse8hdirections_busFuturamorePRIMERA
- 9:30 PM - 4:00 AMchevron_rightattach_moneyMXN 685.00timelapse6h 30mdirections_busFutura SelectmorePRIMERA SELECT
- 10:29 PM - 4:59 AMchevron_rightattach_moneyMXN 685.00timelapse6h 30mdirections_busFutura SelectmorePRIMERA SELECT
Bus tickets to the major carriers
Bus Cuernavaca to Leon
HOW TO GET THE CHEAPEST BUS TICKETS FROM Cuernavaca TO Leon WITH Futura, Futura Select?
There is a total of 2 bus companies operating this trip.
All Futura, Futura Select have together a total of 5 bus schedules from Cuernavaca to Leon.
Find that at the bus timetable these 2 transportation brands have different prices and service offers.
Compare all bus fare prices that vary according to comfort, ticket promotions, and availability.
Take a time and check customers 19 bus reviews for Futura, Futura Select services.
User reviews best describe Futura, Futura Select bus trip experience.
Relating it services to bus quality, punctuality, cleanliness, and staff behavior.
This is useful information to search and compare bus prices.
Bus booking in advance is the best way to find a cheap ticket to Leon.
HOW MUCH IS A BUS TICKET FROM Cuernavaca TO Leon?
Any bus ticket to Leon costs between MXN 630 to MXN 685 each seat.
You will find the cheapest ticket on Futura for MXN 630.
This bus leaves at 5:00 AM from CUERNAVACA.
On the contrary, the bus leaving at 9:15 AM have the most expensive ticket to Leon for about MXN 685.
HOW TO GET TO Leon FROM Cuernavaca?
On average you find 5 daily schedules to Leon from Cuernavaca.
Usually are 35 departures every week on this bus route.
On peak seasons bus companies may increase the number of available vehicles.
The company Futura Select has the largest fleet to Leon.
It is an average of 3 bus schedules per day and 90 trips every month.
WHERE IS THE BUS STATION ON Cuernavaca AND Leon?
For this trip to Leon, you can get on board at CUERNAVACA.
Moreover, get off the bus at LEON.
WHEN IS THE FIRST BUS SCHEDULE FROM Cuernavaca TO Leon?
The first bus time to Leon is at 5:00 AM.
The bus timetable may vary during weekdays.
WHEN IS THE LAST BUS SCHEDULE TO Leon?
The last departure time from Cuernavaca is at 10:29 PM.
HOW FAR IS Leon FROM Cuernavaca?
The bus traveling length from Cuernavaca to Leon is around 7h 23m.
Futura Select advertise it has the fastest transportation from Cuernavaca.
Selecting this company, you probably arrive in about 6h 30m in Leon.
There are many different forms of acquiring a ticket.
You can get your bus ticket online on Futura, Futura Select.
Alternatively, booking by phone or directly at the counter.
Find out more info on all about search and buy bus tickets in North America.
HOW TO GET TICKET REFUND ON Futura, Futura Select?
Note that companies have different policies regarding fare types and changes.
Find out more information on bus carriers pages.
Busbuster has all information for you discover the best and cheapest bus ticket.
Explore all available tools and 19 user reviews to best choose between Futura, Futura Select.
Busbuster does not sell tickets.
If you want to buy bus tickets online, this site will redirect you to the official bus company website.
Reserve your bus seat to Leon in advance and have a nice trip.


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Basement, 38-44 D'Aguilar St, Central District, Hong Kong
+852 28101510
Volar Club is quite possibly coolest place to party in Hong Kong at the moment – as well as one of the most convenient, located in the heart of Lan Kwai Fong and surrounded by sea of hotels, bars, restaurants and transport links. The décor is awesome, with strips of LED neon lights cutting into the walls and ceiling, the crowd is dressed to impress and with two different main rooms and several bars in Volar, you can move through the club soaking up different vibes.
No events scheduled yet. Check out other places!


text: I have used humidity to unroll photographs with good results. One must, of course, be sure the photographs are not going to be damaged by the exposure but I have used it on photos from the turn of the century with no apparent damage resulting. I spray the bottom of a photographic tray with distilled water, put in several layers of screening and reemay to make sure that the photographs will not be in physical contact with liquid, and slide the whole shebang into a large plastic bag. By the next morning the rolls should have relaxed enough to be unrolled with ro resistance. Let them dry under light weight on the edges and just before they dry completely, (ie when they still feel slightly cool to the touch) cover them with a piece of reemay and a large board and weight the board with bricks. If you see any signs of cracking in the surface of the photographs, skip the weight and call upon your local conservator of choice. Dorothy Africa


text: Surrounded by lush garden 2,297 feet from Skala Eresos Beach, Studio Aspa offers self-catering accommodation with free WiFi and terrace overlooking the garden. Shops and restaurants are 1,641 feet away. All accommodation types at Studio Aspa feature a TV and air conditioning. Complete with a refrigerator, the kitchenette also has a dining area and electric kettle. Featuring a shower, private bathrooms come with a hairdryer and a bathrobe. At Studio Aspa you will find a garden with playground and barbecue facilities. The property is 12.4 miles from the Petrified Forest of Lesvos. Mytilene Airport is located 52.8 miles away. Free private parking is offered on site.


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In practice only candidates from the University of Cambridge are eligible. Under the terms of the Trust the Vice-Chancellor of Cambridge may only recommend a candidate from another university if there is no suitable candidate at all from Cambridge. Because of the number of Cambridge candidates each year there is unlikely to be an occasion on which it is open to the Vice-Chancellor to recommend a candidate from a university other than Cambridge. A candidate who is a member of the University of Cambridge must be either (a) a Cambridge B.A. of not more than three years' standing from the time of taking the degree, or (b) a Cambridge undergraduate of not more than four years' standing from the date of matriculation. Candidates must be of British nationality.
Candidates should normally hold, or be likely to achieve, a first-class or good second-class degree. However, personal and social qualities are also taken into account in filling the Fellowship.
The Fellowship is usually held for one year, though it is possible in special circumstances for it to be renewed a year at a time for not more than two further years. Reappointment by Harvard University can only be made on a fresh recommendation by the Vice-Chancellor of Cambridge.
The Fellow will receive tuition and student health insurance fees plus a stipend of $16,750. The fellow will be expected to pay for his/her room and board in the Choate Suite at Winthrop House directly, and he/she will also be responsible for the income tax which will be levied against the stipend.
The cost of transatlantic travel is met by the Fellow.
Application forms for the Fellowship may be obtained from the University Registry. They must be returned to the University Registry, The Old Schools, Cambridge, CB2 1TN, by 5 December 1997.
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- select colour
it's an internet thing!
it's an internet thing!
"I consider my mom and all my sisters my friends."
"I'll never stop dreaming that one day we can be a real family, together, all of us laughing and talking, loving and understanding, not looking at the past but only to the future."Alexa Vega on LaToya Jackson
"If a country is to be corruption free and become a nation of beautiful minds, I strongly feel there are three key societal members who can make a difference. They are the father, the mother and the teacher."Alexa Vega on Abdul Kalam
"Family means no one gets left behind or forgotten."Alexa Vega on David Ogden Stiers
"The love of family and the admiration of friends is much more important than wealth and privilege."Alexa Vega on Charles Kuralt
"Sister is probably the most competitive relationship within the family, but once the sisters are grown, it becomes the strongest relationship."Alexa Vega on Margaret Mead
"I consider my mom and all my sisters my friends."
"My mom sent me to regular high school because she wanted me to have that experience and not say that I missed out, but I didn't like it at all. I'm more comfortable in the world that I'm in, I grew up in it so when I get around normal kids in regular high school I don't know what to do. I feel more secure in an adult environment."
"I think it really makes a difference when you know the people that you're working with, when you develop a relationship."
"I think I am too old to be doing teen movies. I am just kind of annoyed, because you have all these teen movies coming out with usually either Lindsay Lohan or Hilary Duff doing four of the exact teen movies over and over again."


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I have now changed the old 'Welcome' page into a proper About page and have added in some information about myself alongside the existing information about the site. There is also now a new Contact Information page for if anyone wants to contact me via e-mail or on YouTube and Twitter.
New About Page and Contact Information
Indie Overlook > Announcement > New About Page and Contact Information
Similar Stuff
- Schedule Change
- Concerning The Hiatus
- Sorry For Slow Updates!
- Introducing First Impressions!
- I'm Back!
- Away From Keyboard
- Back To Normal
- Scheduling Change This Week!
- Sorry, Got Sick
- Possible Easter Delays
- Streams and Additional Videos
- Today's Changes
- Old Content Updates and New Related Posts
- Site Updates Coming Soon!
- It's Also Knyttmas!
- Kryllmas Begins!
- Major Site Updates
- Introducing Mini-Articles (Sort Of)
- Haunted House Week!
- New Hard Drive
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- Coming Back September 20th (Vacation)
- Article Experiment
- This Week's Article Tomorrow
- Slow Computer Updates + Audio Issues = Writing Woes
- Something Somewhat Different Tomorrow
- Tips on Downloading and Playing Foreign Games
- New Videos!
- Today's Article
- Potential Delay
- Game Jolt Marketplace Launch
- Games Page Updated
- Some Useful Downloads For Running Freeware Games


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Housing: Outdoor Winter Lounge
Hey Everyone,
First of all, happy New Year week! I hope you are enjoying 2016 so far! :) Here is a chance to enjoy Wizard101 with this easy housing idea by me: outdoor winter lounge! It is the perfect place to relax, chat, and have a party in during the cold months of January & February. Follow along with this simple guide to have it made in no time!
You'll Need:
2 Small Snowy Pines
2 Small Snowy Maple Trees
2 Small Snowy Evergreen
2 Pingouin Setees
1 Pingouin Round Table
Any Food Decorations for the table (I am using 2 sundaes, a round of cheese, and a pingouin tea pot. It is best if your food is kind of party snacks aka lounge food).
** MUST READ ** If your house is not already wintry and snowy like the Polarian Shipwreck, Ice School House, etc. you need to place snow piles and put your items on top or use a snowglobe. It looks more realistic in a icy area.
Otherwise, start by placing your trees to make this enclosed area.
The pattern is: pine, maple, evergreen, evergreen, maple, pine.
Add in your settees & table. Be sure to make it lounge looking. A straight settee wouldn't do it. If this helps, think of people lounging in real life, and how it looks worn in like furniture in your house. I decided to tilt them as shown.
Place your food on the table. I have my teapot, sundaes, and cheese set up to look as if it was served to party guests.
And tada! That is your very easy 3 step outdoor winter lounge!
I hope you enjoyed this tutorial. Look out for fishing tips & a mystery house tour coming soon!
In the meantime, check out the older posts on my blog & updated sidebar links (which includes one of my new favorite W101 bloggers: Frostcaller).
~ Ali <3
1/10/2016 08:11:48 pm
That's a cute idea! :D
1/11/2016 07:09:15 am
Thanks! :D
Leave a Reply.
Hi, I'm Ali, a Wizard101 player and blogger. I like to house glitch, quest, party, farm, and explore. Welcome to my blog, a place where ideas, tips, and friendship is shared.
June 2017
Fansite Links
Gear Guides
High Level Outgoing Gear (90-120)
Energy Gear (50-60)
Death School Gear
120 Mirage Gear
120 PvP Gear
Baba Yaga Gear
Rasputin Gear
Level 60 Gear
Darkmoor Gear
Pet Guides
Crafting & Fishing Guides
Update Guides
Skeleton Key Bosses
Not yet completed! ^


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Blinn College math competition
Think about what career is best suited for you, and where you want to study. Request more information now.
Think about what career is best suited for you, and where you want to study. Request more information now.
Think about what career is best suited for you, and where you want to study. Request more information now.
Info concerning Blinn College math competition, and registering for elective discussion sections and seminars. Which college degrees give you the best chances of finding employment after graduation? Are you are considering an associates degree in electronics engineering, or a bachelor of science in mechanical or civil engineering? Concentrating on Blinn College math competition, for example, you may gain an advantage in job recruiting on-campus. Check with the mathematics department for course registration deadlines, and math placement testing program requirements. Please use the form above to request admissions info for Blinn College.
While a math degree may not seem like a path to wealth at first glance, many fields are based almost entirely on a math foundation. For instance, both physics as well as engineering make use of algebraic formulas to determine motion and forces on objects, and the stress on materials. In business, financial accounting and stock investing count on the mathematical principle of compound interest over time. Math classes may be refocused toward practical applications, such as numerical analytics of big data online or statistical interpretation of scientific research results. Further, financial engineers or 'quants' may be called upon to prepare math-based reports for financial management, in order to develop high-speed, stock investment algorithms.
Finally, there is a lot of mathematical calculation behind complex decisions such as whether a business should raise money by issuing stock directly to the public as in the case of Google, or seek long-term loan financing? Both decisions involve quantification of risk and substantial probability analysis. A discount rate is used to determine the present value of the expected returns, and if a business anticipates being highly profitable in the short-term, it may be wiser to take out a bank loan, rather than dilute ownership via exanding the number of shares outstanding. Beyond major requirements within the mathematics department, you may consider Bramson ORT College electronics engineering as an adjunct to your primary course of study.
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The newest spin on the ABX index, the ABX tranche indices (TABX), debuted in the market on Valentine's Day, bringing with it hopes of a benchmark for CDO pricing.
Some, however, questioned whether Cupid's arrow misfired when it paired the TABX and CDOs, citing significant differences in underlying collateral and structure. But even though some ABS CDO issuers shuddered at the thought of having their portfolio performance compared with, say, the ABX's 06-2 series, the TABX is the closest thing to a benchmark that exists - and was widely expected last week to eventually widen mezzanine CDO pricing.
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Weilhammer Plumbing Co. Inc.1819 Shelby Street
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Tag Archives: Indianapolis plumber
Basement Plumbing Maintenance Tips
The basement in your home is just like any other room in the house, therefore, it requires the same level of attention when it comes to something as significant and influential as plumbing. Whether your basement is finished or not, … Continue reading
Posted in Clogged Drains, Water Leaks Tagged basement plumbing repair, basement plumbing tips, flooded basement, Indianapolis plumber, Indianapolis Plumbing Service Comments Off on Basement Plumbing Maintenance Tips
How to Clean White Marks On a Black Granite Sink
Is your black granite bathroom or kitchen sink covered in a white, cloudy haze? Learn how to restore your black sink back to its original charm! Whether your black granite sink is pure or composite, overtime it may develop scale … Continue reading
Posted in Plumbing Service Tagged clean black sink, Indianapolis plumber, remove white from black sink, sink repair Indianapolis, white marks black sink Comments Off on How to Clean White Marks On a Black Granite Sink
What Happens if You Throw a Firework in the Toilet?
There is a new, reckless trend with fireworks and plumbing. For some reason, people want to know what happens when you put a lit firework, like a firecracker, in the toilet. Well, if you are curious too, don't try it … Continue reading
Posted in Toilet Repair Tagged Indianapolis plumber, Indianapolis Toilet Repair, Toilet Replacement Indianapolis Comments Off on What Happens if You Throw a Firework in the Toilet?
Environmentally-Friendly Plumbing Fixtures
For those of you who are eco-conscious home owners, there are several things you can do to make your home more energy efficient. One area of your home that can benefit from eco-friendly changes is your water consumption. By simply … Continue reading
Posted in Toilet Repair Tagged high efficiency toilet, Indianapolis plumber, plumbing fixture installation, Toilet Replacement Indianapolis, Water Efficient Faucets, Water Efficient Shower Heads Comments Off on Environmentally-Friendly Plumbing Fixtures
The Benefits of Having a Garbage Disposal Unit
If you are looking for a new place to live, be sure to add "garbage disposal" on your list of must haves. Otherwise, if your home does not have a garbage disposal unit, it is time to consider having one … Continue reading
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How to Fix a Toilet That Won't Flush
As one of the most vital appliances in any home, your toilet is not something you want to stop working. Unless you want to live as society did before modern indoor plumbing, it is in your best interest to take … Continue reading
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Weilhammer Plumbing Company Writes its 100th Blog!
Find the all the answers to your plumbing questions right here on the Weilhammer Plumbing Blog Page! You'll also find useful tips, advice, and instructional information on countless plumbing repair and maintenance topics! Important Topics, Helpful Tips, DIY Guides, and … Continue reading
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Fundamental Tool Kit for the DIY Plumber
Not every plumbing repair requires the expertise of a master plumber, or residential plumber at that. No, there are plumbing mishaps that can be corrected by a handy homeowner with the right set of tools. If you are the DIY … Continue reading
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Unclog Any Drain With These 4 Simple Steps
When you have clogged drain on your hands, it is important to take a minute and think clearly about your situation. Often times, the most common cause for worsening drain blockages is human interference. This is simply a result of … Continue reading
Posted in Clogged Drains Tagged clogged drain, drain clearing services, drain repair Indianapolis, Indianapolis plumber Comments Off on Unclog Any Drain With These 4 Simple Steps
The 2 Basic Types of Water Shut-Off Valves
When it comes time to buy a new water shutoff valve for your home or office, it is important to start by learning the two different types. By learning the two different types of water shutoff valves, you are more … Continue reading
Posted in Plumbing Pipes, Water Leaks Tagged Indianapolis plumber, Indianapolis Plumbing Service, leaky water valve, Multi-Turn Water Shut Off Valve, Quarter-Turn Water Shut Off valve, Water Shut Off Valve Stops Comments Off on The 2 Basic Types of Water Shut-Off Valves