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It is important to note that this mortgage calculator is for guidance purposes only. Mortgage lenders have their own affordability criteria therefore it is important you speak to one of our Mortgage Advisers for further information and a more accurate indication of what products may be available to you and what your monthly mortgage payments are likely to be.
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text: The Shion Uzuki wiki last edited by Hailinel on 02/15/14 09:19PM View full history OverviewShion Uzuki is the main character of the Xenosaga series. She is the head of the project that developed the anti-Gnosis android KOS-MOS. Though KOS-MOS is an android, Shion treats her like a person. She has one brother, Jin Uzuki, who is much more of a traditionalist; a trait she sees as silly. Though Shion is a generally kind and upbeat individual, she lived through some traumatic experiences as a child that turned out to be far more significant than she could have ever realized they would be.

subset: commoncrawl


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Yentreve(TM)* Receives Approval Across the European Union for the Treatment of Stress Urinary Incontinence in Women
Aug 13, 2004, 01:00 ET from Eli Lilly and Company from ,Boehringer Ingelheim
INDIANAPOLIS and RIDGEFIELD, Conn., Aug. 13 /PRNewswire-FirstCall/ -- Eli Lilly and Company and Boehringer Ingelheim announced today that Yentreve(TM)* (duloxetine hydrochloride) has been granted marketing authorization across the European Union (EU) for the treatment of moderate to severe stress urinary incontinence (SUI) in women. SUI is the accidental leakage of urine during physical activities such as sneezing, coughing, laughing, lifting or exercising, and it affects nearly 15 million American adult women(1,2,3). With nearly twice the prevalence as urge incontinence, SUI is the most common form of urinary incontinence among women(1,4). Although common, SUI is a medical condition that is not normal at any age; unfortunately, many women do not seek treatment because they are embarrassed, fear surgery, or believe it is a normal part of aging and that nothing can be done about it. The primary causes of SUI are weakness of the urethral sphincter and/or diminished pelvic support of the bladder and urethra. Risk factors include obesity, childbirth, chronic coughing and constipation(5). Yentreve(TM)* is a balanced dual reuptake inhibitor of the neurotransmitters serotonin and norepinephrine(6) and is currently being evaluated by the U.S. Food and Drug Administration (FDA) for the treatment of SUI. The FDA issued an approvable letter for Yentreve(TM)* in August 2003. Lilly and Boehringer Ingelheim have recently submitted a complete response to the FDA and anticipate approval from the agency for Yentreve in the first half of 2005. "With the EU approval of Yentreve(TM)*, Lilly and Boehringer Ingelheim are excited to soon be offering patients in Europe the first medication indicated for the specific symptoms of SUI -- a distressing and embarrassing medical disorder that affects millions of women worldwide," said Dr. Tim Garnett, group medical director, Eli Lilly and Company. "The proven reduction of incontinence episodes demonstrated in clinical studies and the statistically significant improvement in quality of life shown in women treated with Yentreve(TM)* make this new oral medication an effective and well tolerated treatment option for the many women living with SUI," said Manfred Haehl, M.D., corporate medical director, Boehringer Ingelheim. "We are very pleased that The European Agency for the Evaluation of Medicinal Products has acknowledged the importance of this novel medication, which we can now offer to SUI patients throughout Europe." About Yentreve(TM)* Yentreve(TM)* (duloxetine hydrochloride) is a balanced dual reuptake inhibitor of the neurotransmitters serotonin and norepinephrine based on preclinical studies(6). Yentreve(TM)* is believed to affect SUI by blocking the reuptake of serotonin and norepinephrine in the spinal cord, and the increase in the neurotransmitters in turn stimulates increased activity of the pudendal nerve that controls the external urethral sphincter(7). This stimulation is believed to increase contraction of the external urethral sphincter, thereby helping prevent accidental urine leakage with physical activity. Clinical studies of Yentreve(TM)* have shown the most commonly reported adverse events (incidence of > 5 percent and at least twice the placebo rate) reported by patients receiving duloxetine have been nausea, dry mouth, fatigue, insomnia, constipation, headache, dizziness, somnolence (drowsiness) and diarrhea(8). About Eli Lilly and Boehringer Ingelheim In November 2002, Eli Lilly and Company and Boehringer Ingelheim signed a global long-term agreement to jointly develop and commercialize duloxetine hydrochloride for the treatment of stress urinary incontinence (SUI), depression and diabetic neuropathic pain. This partnership covers most countries worldwide with few exceptions. In the U.S., the collaboration focuses on SUI. Eli Lilly and Company Lilly, a leading innovation-driven corporation, is developing a growing portfolio of first-in-class and best-in-class pharmaceutical products by applying the latest research from its own worldwide laboratories and from collaborations with eminent scientific organizations. Headquartered in Indianapolis, IN, Lilly provides answers -- through medicines and information -- for some of the world's most urgent medical needs. Additional information about Lilly is available on www.lilly.com . Boehringer Ingelheim Pharmaceuticals, Inc. Boehringer Ingelheim Pharmaceuticals, Inc., based in Ridgefield, CT, is the largest U.S. subsidiary of Boehringer Ingelheim Corporation (Ridgefield, CT) and a member of the Boehringer Ingelheim group of companies. The Boehringer Ingelheim Corporation is one of the world's 20 leading pharmaceutical companies. Headquartered in Ingelheim, Germany, it operates globally with 152 affiliates in 45 countries and more than 34,000 employees. Since it was founded in 1885, the family-owned company has been committed to researching, developing, manufacturing and marketing novel products of high therapeutic value for human and veterinary medicine. In 2003, Boehringer Ingelheim posted net U.S. sales of $8.37 billion (7.4 billion euro) while spending more than one fifth of net sales in its largest business segment -- prescription medicines -- on research and development. For more information please visit www.boehringer-ingelheim.com This press release contains forward-looking statements about the potential of duloxetine for the treatment of stress urinary incontinence and reflects Lilly's current beliefs. However, as with any pharmaceutical product under development, there are substantial risks and uncertainties in the process of development and/regulatory review. There is no guarantee that the product will receive regulatory approvals and any indication for which it is approved will be determined at the discretion of the Food and Drug Administration. There is also no guarantee that the product will prove to be commercially successful. For further discussion of these and other risks and uncertainties, see Lilly's filings with the United States Securities and Exchange Commission. Lilly undertakes no duty to update forward-looking statements. * Yentreve is a trademark of Eli Lilly and Company. This trademark is pending approval by the FDA as a proprietary drug name for the established name, duloxetine hydrochloride. 1. Hampel C, Wienhold D, Benken N, Eggersmann C, Thuroff T. Definition of overactive bladder and epidemiology of urinary incontinence. Urology. 1997;50(suppl 6A):4-14. 2. Diokno A, Burgio K, Fultz N, Kinchen K, Obenchain R, and Bump R. Medical and self-care practices reported by women with urinary incontinence. Am J Managed Care. 2004;10:69-78. The estimate of STRESS URINARY INCONTINENCE prevalence was derived from Diokno et al and based on STRESS URINARY INCONTINENCE prevalence as determined by Hampel et al and by Diokno et al. 3. US Census 2000 Briefs (Age & Gender), US Department of Commerce website. 4. Fultz NH, Burgio K, Diokno A, Kinchen K, Obenchain R and Bump R. Burden of stress urinary incontinence for community-dwelling women. Am J Obstet Gynecol. 2003; 189: 1275-1282. 5. Bump R, Norton P. Epidemiology and natural history of pelvic floor dysfunction. Obstet Gynecol Clin North Am. 1998; 25(04): 723 - 746. 6. Bymaster F, Dreshfield-Ahmad L, Threlkeld P, Shaw J, Thompson B, Nelson D, et. al. Comparative affinity of duloxetine and venlafaxine for serotonin and norepinephrine transporters in vitro and in vivo, Human serotonin receptor subtypes, and other neuronal receptors. Neuropsychopharmacology. 2001; 25(6):871-880. 7. Thor K, Katofiasc M. Effects of duloxetine, a combined serotonin and norepinephrine reuptake inhibitor, on central neural control of lower urinary tract function in the chloralose-anesthetized female cat. J Pharmacol Exp Ther. 1995; 274:1014-1024. 8. Hurley D, Turner C, Baygani S, Yalcin I and Viktrup L. Duloxetine for stress urinary incontinence: A meta-analysis of safety. Poster presented at the International Federation of Gynaecology and Obstetrics (FIGO) World Congress, Santiago, Chile. 2-7 November 2003. (Logo: http://www.newscom.com/cgi-bin/prnh/20031219/LLYLOGO http://www.newscom.com/cgi-bin/prnh/20040122/BILOGO )
SOURCE Eli Lilly and Company; Boehringer Ingelheim


text: Richard von Krafft-EbingKrafft-Ebing, Richard von (rĭkhˈärt fən kräft-āˈbĭng) [key], 1840–1902, German physician and neurologist. Professor of psychiatry at Strasbourg (1872), Graz (1873), and Vienna (1889), he was recognized as an authority on deviant sexual behavior and its medicolegal aspects. His most noted work is Psychopathia sexualis (1886, tr. 1892). The Columbia Electronic Encyclopedia, 6th ed. Copyright © 2012, Columbia University Press. All rights reserved. See more Encyclopedia articles on: Psychology and Psychiatry: Biographies |


text: This Is A Nice, Nice Xbox 360Luke Plunkett4/19/10 8:00amFiled to: MicrosoftXbox 360AustraliaOriginalArtWetaHalo115EditPromoteShare to KinjaToggle Conversation toolsGo to permalink When a Hollywood special effects master sits down and whips up a custom Xbox 360 console, this is the end result. Advertisement Designed by Richard Taylor from WETA Workshop (ie the Lord of the Rings special effects guys, who were also down to work on the aborted Halo movie), the one-of-a-kind console - which is part Xbox 360, part diorama - shows that if your 360 is going to die, it may as well die having its guts spilled all over the floor by a diving Master Chief.The Xbox is part of a range of other one-of-a-kind consoles put up for auction by Microsoft Australia to celebrate the 360 passing the million-sold mark in Australia, others including a crystal-covered console containing over 11,000 Swarovski stones and a bunch of machines with celebrity autographs (and the relevant celebrity's face airbrushed on the side). Advertisement Be sure to click on the above pic to see it full-sized!Konsoles for Kids [Microsoft]Reply115 repliesLeave a reply


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Sure, oft-injured Freddy Sanchez, who played only 25 games with San Francisco after coming over from Pittsburgh midseason. Sanchez, who had shoulder and knee problems this year, batted only .284/.295/.324, the last of which (slugging average) is almost 100 points lower than his career average:
"One of our goals and priorities this season is to get a more consistent lineup out there on a daily basis, and Freddy does that," manager Bruce Bochy said during a conference call. "His history is that he plays every day. To have him at the top of your order pretty much every day is going to do a lot for this lineup."
Sanchez is expected to bat second for the Giants, though Bochy said he will occasionally use Sanchez in the third slot.The Giants, who were in contention for the NL wild-card spot until the last week of the regular season, are convinced Sanchez's health issues are over.
So it's only Sanchez, true. But it does address that hole that the Giants had at second base, a hole the Dodgers also have if we don't sign Orlando Hudson or Ronnie Belliard nor figure out if Blake DeWitt or Chin-Lung Hu are worthy of a full-time slot. It does, however, serve as a nice reminder how other teams in the NL West are looking to get stronger, while we are looking to trade press salvos and incur legal fees.


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I recently got my hands on a Darkvoice 336SE and a M^3 amp. Right out of the box, I noticed the Darkvoice hissing, is this normal?
I tend to enjoy the M^3 alot more right now. Will tube rolling with the Darkvoice change my mind about this? Sorry, I am very new to headphones amps! Appreciate your inputs on this!


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BlueInput for Android v2.0.209
Requirements: Android 2.1 and higher
Description: Blueinput for Android is an advanced Bluetooth application that allows you to connect a bluetooth Mouse or Keyboard to your Android device for extraordinary typing speed, wireless device control and an unrivaled coolness factor. Compatible with Android Tablets and Android Phones. Now with Android 4.0 support!
This is my first crack. App now says: This is a registered copy. Working for you, too?


text: Shibin el KomShibin el Kom (shĭbēnˈ ĕl kŏm) [key], city (1986 pop. 132,209), capital of Munufiyah governorate, N Egypt, in the Nile River delta. It is an agricultural market and a cotton-processing center. The Columbia Electronic Encyclopedia, 6th ed. Copyright © 2012, Columbia University Press. All rights reserved. See more Encyclopedia articles on: Egyptian Political Geography |


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Comments: The St. Paul Property and Casualty Insurance Co. merged with and into St. Paul Fire and Marine Insurance Co.
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text:
Samurai Jack Intro - Remake Latino
Samurai Jack Opening remake by latin animators
4.38 / 5.00 7,269 ViewsThis is a stop frame animation I made for school. I think it turned out pretty well. It has a few parts I would of like to improve but I ran out of time. Such as the gun getting shot out of his hand and the last scene there. I did the effects with Photoshop, I found out later that it would of been better to of done them right in flash but oh well. In my next animation, I'm planning on having a storyline with stop frame fights and anime style cut scenes. Let me now what you think.
P.S: Sorry for the file size, but there are a few movies in there not just pictures. Also quality isn't great, Sorry but i had to reduce the file size. This was orgianly over 50 megs!
that was bullstit u fusking suck u dub fucker u homo
Flash by madmike88:
- none -
so fuck off, I bet you dont even know how to do this stuff
Ugh.. Right!
What's with the strings :P ? You could have just used the actual flash program to make the guns float
I didnt have flash to do this with. It was a school project. I had very little choice in the matter
Actually it's not half bad for what it is. I like the fact that regular Heavy Arms cut Wing Zero in half. I really hate the Wing GUNDAMs. Next time you should use the larger Master Grade type models, they have a much wider range of movement and they look oh so much better than 1/144 High Grades.
I'm very interested to hear how you did this. When I can get a copy of Flash I would like to do something similar, but only with Universe Century Mobile Suits instead of crappy Wing ones. Go Zaku !
Not a bad idea. I buy mine from the local radio shack. There a little pricy but it works, I got all the Gundam Wing and Endless waltz models, so next up would be the ones you were talking about
Next time...
Use strings that no one can see!!!
hee hee ya sorry
Well this movie was alright... i think we could all notice the strings though man :P next time use sprites or something, it would work out better!
There will be NO strings next time, I swear it


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More Military Spouse Friendly Employers
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Strayer University
At Strayer University, we've been helping working adults continue their education to advance their careers since 1892. Our programs make it possible for you to manage all of the different facets of your life while you achieve your educational goals.
Learn more about Strayer University
Sumaria Systems
Sumaria Systems is an IT, Engineering & Professional services/solutions company based in Danvers, MA, with 10+ U.S. locations, including AL, CO, GA, IL, NE, OH, OK, UT, and VA. Since 1982, we have provided a wide variety of technology services to the U.S. DOD and additional government agencies.
Learn more about Sumaria Systems
Sunrise Senior Living
Sunrise Senior Living would like to thank members of the military and their families for their commitment to our country. We invite you to explore our career opportunities across the U.S. Sunrise is an industry leader that is committed to championing the lives of seniors. Be a Leader. Serve Seniors.
Learn more about Sunrise Senior Living
SunTrust Banks, Inc.
SunTrust Banks, Inc., with total assets of $180.3 billion on June 30, 2007, is one of the nation's largest and strongest financial holding companies. Through its banking subsidiaries, the company provides deposit, credit, trust, and investment services to a broad range of retail, business, and institutional clients. Other subsidiaries provide mortgage banking, credit-related insurance, asset management, brokerage, and capital market services.
Learn more about SunTrust Banks, Inc.
Established in 1988 the Superfridge program, currently available in 3,000 stores covering more than 50 markets, was created to provide frozen and refrigerated brands with a point of purchase event combining three key marketing elements - advertising, off-shelf display and dedicated merchandising support - maximizing brand sales through increased in-store visibility.
Learn more about Superfridge
Superior Global Solutions
Our mission is to provide software and services to enable healthcare organizations to realize their full potential. We can only meet this mission by building a lasting relationship with our clients. As partners, a solid commitment must exist in order to provide the utmost in quality and service for your patients.
Learn more about Superior Global Solutions
Superior Services, Inc.
Superior Services, Inc. has won and successfully performed Department of Defense, private sector and federal contracts for Full Food Services, Housekeeping, Warehousing, Facility Support and Laundry services for more than 17 years.
Learn more about Superior Services, Inc.
Super Suppers
Super Suppers offers innovative new concept in healthy, no-hassle food made from recipes created by professional chefs.
Learn more about Super Suppers
Supplemental Health Care
As the world's fastest growing health care staffing company, we strive to provide a superior level of service and support to both our clients and our recruits. With 30 offices in major markets across the United States, including three travel divisions, Supplemental Health Care offers flexibility of placements with the stability of a nation wide network.
Learn more about Supplemental Health Care
Sutter Health
From big cities to small towns, our not-for-profit network stretches across 22 counties in Northern California. Share your compassion, creativity drive and talent with a team of health professionals working daily to raise the bar for high-quality medical care and make a life-changing difference.
Learn more about Sutter Health
SYS Technologies
SYS Technologies is a leading provider of information connectivity solutions that capture, analyze and present real-time information to our customers in the Department of Defense, Department of Homeland Security, other government agencies and large industrial companies.
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Engineer the best network in the business. Apply online atwww.t-mobile.com/jobs for T-Mobile's Tech careers.
Learn more about T-Mobile
Careers at TASC - Our People are our Strength
It takes people to make technology work. And TASC is its people. We're proud of the achievements of our world-class staff comprised of over 5,000 of the best engineering and analytical minds in the industry. Every day TASC employees enjoy new challenges and opportunities that expand their thinking and experience base. View all of our opportunities at www.tasc.com/careers.html.
Learn more about TASC
Team Double-Click, Inc.
Team Double-Click, Inc. provides professional virtual office assistants and professional real estate virtual assistants for small and home-based businesses, like speakers, real estate agents, coaches, and other small businesses.
Learn more about Team Double-Click, Inc.
Interview for your exciting new career in Information Technology, Engineering, Aerospace, Telecom, Project Management, Intelligence, Operations, Homeland Security, Research, & much more at TECHEXPO Top Secret events.
Learn more about TechExpo
Technisource is a premiere IT talent and services organization that provides a wide variety of information technology and engineering services to clients ranging from middle-market businesses to global Fortune 500 companies and government organizations. We offer our clients continued proven results, and excel in connecting thousands of the industry's best and brightest talent- like you- with some of the most rewarding opportunities available. To learn more about Technisource visit www.technisource.com
Learn more about Technisource
Telecom Labs, Inc.
TLI is an award winning telecommunications company helping businesses nationwide optimize their technology investments through customized solutions, proactive service, vigilant monitoring and superior maintenance.
Learn more about Telecom Labs, Inc.
TeleTech is a leading global business process outsourcing company that provides a full range of front- to back-office outsourced solutions. When you work for TeleTech, you are working for an award winning company that understands our people are truly our greatest asset and our competitive advantage.
Learn more about TeleTech.
Temporary Solutions, Inc.
Temporary Solutions, Inc., is a premier regional staffing company established twenty-six (26) years ago in Northern Virginia. Repeatedly named in the Washington Business Journal as one of the top ten staffing companies in the Greater Washington DC region, the company's reputation for providing a quality workforce is renowned throughout the Washington Metropolitan area.
Learn more about Temporary Solutions, Inc.
Tenet Healthcare
At Tenet, we recognize that the foundation of a solid company is its dedicated, quality employees. If you are interested in joining a group of people whose mission is to improve the quality of patients' lives, explore career opportunities to find an open position in one of our locations nationwide.
Learn more about Tenet Healthcare
TerraHealth, Inc. (THI)
THI was founded in 2001 by a retired United State Air Force Medical Service Corps officer with the goal of helping to improve the military health system he had worked in the previous 20 years. THI consists of three major divisions: TerraHealth, Technology Solutions, and Strategic Consulting. Providing relevant services, delivering on quality services promised, and delighting the customer are the hallmarks which enabled THI to realize an 8000% growth in its first five years of existence.
Learn more about TerraHealth, Inc. (THI)
Texas Children's Hospital
One of the best pediatric hospitals in the United States, Texas Children's Hospital is dedicated to providing the finest possible pediatric patient care, education and research. Click here to view career opportunities!
Learn more about Texas Children's Hospital
TMP Worldwide
At TMP we've established a reputation for delivering first-in-class strategies and solutions for our clients. We're proud to be the only recruitment-focused firm to be ranked among America's top interactive agencies.
Learn more about TMP Worldwide
TNS Media Intelligence
TNS Media Intelligence is the leading provider of strategic advertising intelligence to advertising agencies, advertisers, and media properties. The company's tracking technologies collect expenditure and occurrence data, as well as select creative executions, for more than 2.1 million brands across 20 media.
Learn more about TNS Media Intelligence
Todays Staffing
Todays Staffing is headquartered in Dallas, Texas with a corporate staff that supports offices throughout North America. Todays is an established company with a solid reputation for the highest level of quality in the industry, and a long history of providing rewarding opportunities to facilitate its employee's growth. Todays fosters an environment in which employees at all levels feel empowered to contribute to the organization's success.
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Toyota Engineering & Manufacturing
All across America, Toyota relies on the best and brightest people to help us create the best cars, trucks and SUVs in the industry. We're over 28,000 individuals strong, working together to build ten different models throughout 8 U.S. manufacturing plants. At Toyota Motor Engineering and Manufacturing North America, Inc., our team members are involved in some of our industry's most advanced technologies and create the products that will fulfill the needs of customers today and tomorrow.
Learn more about Toyota Engineering & Manufacturing
Torrey Pines Dermatology
Torrey Pines Dermatology is committed to providing the highest level of patient care in a welcoming and warm environment. Whether patients visit our office for medical, surgical or cosmetic dermatology concerns, we offer educational support to aid patients in making informed decisions about their healthcare needs.
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Transam Associates, Inc.
Transam Associates provides precise transcription of dictation files for its clients. We offer a complete state-of-the-art digital system to our clients. We customize the design of electronic letterheads and formats that meet our clients' requirements.
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Transcription Relief Services, LLC
Transcription Relief Services, LLC, is a national medical transcription service with a transcription training school, TRS Institute, which welcomes military spouses! Work with a company who values you and your skills and where you can take your job wherever you are assigned. Welcome home!
Learn more about Transcription Relief Services, LLC
Recognized as a top Military-Friendly employer, Travelers is committed to hiring transitioning service personnel & those with military experience. We believe a strong foundation in leadership & pride gives those who have lived the military experience the drive to make Travelers even more successful.
Learn more about Travelers
Trojan Battery
Founded in 1925, Trojan Battery Company is the world's leading manufacturer of deep cycle batteries. From deep cycle flooded batteries to Deep-Cycle Gel and cycling AGM batteries, Trojan has shaped the world of deep cycle battery technology with over 85 years of battery manufacturing experience.
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Protect the Nation while securing your future. Learn more about a career as a Transportation Security Officer, Federal Air Marshal or several Management, Administrative and Professional positions. You'll receive competitive compensation and all Federal benefits. Apply today.
Learn more about the TSA
Traveling Nurses of COS
JCS, inc & Traveling Nurses of COS specializes in the placement of healthcare professionals throughout the United States on a Contracted long or short term basis in Government and Civilian medical facilities nationwide.
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TriWest Healthcare Alliance
At TriWest we are committed to providing access to the best quality health care and customer service for America's military families.
Learn more about TriWest Healthcare Alliance opportunities
TSi Staffing inc.
TSi Staffing inc. is a Team Based full service human resources company, organized and staffed to provide a wide range of human resource support. TSi has offices in the Washington, Bethesda, MD and Crofton, MD, to serve the metropolitan Washington area and surrounding suburbs.
Learn more about TSi Staffing inc.
As the current industry leader, we've continued to lead in the development of new technology for lawn care. TruGreen devotes substantial resources to continually evaluate new products and equipment and to develop better methods for taking care of grass, trees, and shrubs.
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Tubelite Inc.
Tubelite Inc., headquartered in Walker, Michigan, is a leading supplier of aluminum storefronts, curtainwall and entrance systems that employs more than 220 people throughout the country.
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Tutor.com's Live Homework Help program connects students in over 1,000 libraries nationwide to our tutors, 7 days a week! Sessions in a variety of subjects take place in our online classroom. We have over 1,300 tutors serving over 3,000 sessions a day. Math & Science tutors are encouraged to apply.
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Tyco Fire Protection
Fire & Security offers a broad range of fire and security products, services and integrated solutions to customers around the world. With the most capable global sales force of more than 7,000 professionals, we are able to provide our customers with industry-leading solutions, products and services.
Learn more about Tyco Fire Protection
Tyco Integrated Security
ADT Commercial is now Tyco Integrated Security. It's not just a name change, it's a game change – and has created many exciting career opportunities. Explore them today!
Learn more about Tyco Integrated Security
Tyco International
A world of opportunity awaits you as you consider a career at Tyco International. As a diversified global company with a portfolio of strong businesses and leading brands, Tyco is committed to growing our business while making a positive difference for our customers and the communities.
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Tyco Retail Solutions
Tyco Retail Solutions is part of Tyco's Security Solutions, a world leader in electronic security products and services. You'll find an environment open to new ideas and rewarding experiences everywhere you look, with possibilities for vital work as you expand your skills and grow your career.
Learn more about Tyco Retail Solutions
UCSF Medical Center
At UCSF Medical Center, we are proud of the talented, knowledgeable and dedicated employees who have helped build our tradition of excellence in health care. Our employees have helped make us a leader in the integration of research and new treatments for the best possible care for patients.
Learn more about UCSF Medical Center
Founded in 1945, today U Haul trucks and trailers can be rented from over 15,000 independent dealers and more than 1,200 company-owned U-Haul Moving Centers, and we are still growing everyday.
Learn more about U-Haul
We recognize the value that the spouses of servicemen and women can bring to our organization, which is why we are committed to employing veterans and their spouses. We, at UNFI, are driven by nature to exceed the needs and expectations of our associates, customers, suppliers, shareholders, and communities.
Learn more about UNFI
UnitedHealth Group
Veterans are a good fit for UnitedHealth Group because their overall attributes align with the values we share as a company. These values are Integrity, Compassion, Relationships, Innovation and Performance and we know that the veterans and military candidates embody these traits of our core values.
Learn more about UnitedHealth Group
United States Postal Service
The United States Postal Service (USPS) handles cards, letters, and packages sent from sea to shining sea. The USPS delivers more than 213 billion pieces of mail a year to some 146 million addresses in the US and its territories. The independent government agency relies on postage and fees to fund operations. Though it has a monopoly on delivering the mail, the USPS faces competition for services such as package delivery. The US president appoints nine of the 11 members of the board that oversee the USPS. The presidential appointees select the postmaster general, who, along with the deputy postmaster general, is a board member.
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Universal Protection Service
Founded in 1965, Universal Protection Service has combined an innovative mix of tradition with cutting edge systems and technology to keep pace with the ever-evolving needs of today's business environments.
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The University of Texas at Austin
The University of Texas at Austin is one of the largest employers in Austin, Texas and is committed to service, education, community, and innovation. Human Resource Services (HRS) supports the University in attracting, developing, and retaining a highly qualified and diverse workforce. We provide an online job search and job application for employment, as well as our in-house temporary placement service, UTemps.
Learn more about The University of Texas at Austin
URS Corporation
If you want to join a team of dedicated professionals who are among the best in their field, in a diverse work environment that fosters integrity and trust, then take some time to explore URS Corporation career possibilities. To learn more about URS Corporation, please visit our Web site at www.urscorp.com.
Learn more about URS Corporation
U.S. Air Force
Opportunities in the Air Forces. If you are a healthcare professional, take a moment to discover how rewarding a career in the Air Force can be. Whoever you are and wherever you fit on the Air Force team, the Core Values are what you will live by and learn to cherish. Visit our website to learn more about The Air Force.
Learn more about U.S. Air Force
U.S. Customs and Border Protection
We are America's Frontline. Service to your country spans many careers. Learn about exciting career opportunities for veterans at CBP. Click here to discover and plan your next step.
Learn more about U.S. Customs and Border Protection
U.S. Capitol Police
US Capitol Police - Our mission is to protect and support the Congress in meeting its Constitutional responsibilities. Protecting Democracy's greatest symbol. Wear the badge. Feel the honor.
Learn more about opportunities at U.S. Capitol Police
U.S. Navy
As a Navy Physician, you can pursue your true passion for helping others. Heal patients while taking part in a noble cause. Focus on the finer points of medicine without the financial and business complications of private practice holding you back.
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U.S. Public Health Service – Commissioned Corps
As one of America's seven uniformed services, the Commissioned Corps fills essential public health leadership and service roles within the Nation's Federal Government agencies and programs. The Commissioned Corps has full-time jobs for highly skilled men and women who seek professional fulfillment, enjoy challenges, and want to improve the quality of public health for the Nation's communities that are most in need. For information about how you can make a difference through the Commissioned Corps, call us at 800–279–1605 or apply online.
Learn more about U.S. Public Health Service – Commissioned Corps
U.S. State Department
The United States has engaged in diplomatic activity since before its inception. Over the years, as diplomacy has evolved, so has the U.S. Department of State. Today, their professionals are among the most respected in the world.
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At USAA, we are honored to serve military members and their families. Click here to learn more about our careers.
Learn more about USAA
Utility Management Services Inc.
Utility Management Services Inc. located in Wilmington, North Carolina, is a professional electrical auditing firm specializing in dealing with manufacturers, governmental agencies and commercial energy users.
Learn more about Utility Mangement Services Inc.
Vector Planning & Services, Inc. (VPSI)
VPSI is a fast growing SBA 8(a), Small Disadvantaged Business Information Technology Services firm. We provide services and solutions to Federal, Defense, State Agencies and Fortune 500 companies. VPSI is a strong synergy-centric team of expert consultants, business and administrative program specialists, systems and network engineers; business processes experts, contract management professionals, and information technology specialists. We present to our clients an outstanding track record of providing excellent services and quality solutions.
Learn more about Vector Planning & Services, Inc. (VPSI)
Veracity Payment Solutions
Veracity is headquartered in Atlanta, Georgia, with its operations facility in Aiken, South Carolina. Veracity continuously strives for excellence in its approach to customer service. Our key focus is to deliver quality service to our customers and ensure price transparency and clarity in every aspect of the merchant services programs we provide.
Learn more about Veracity Payment Solutions
If you are looking for an environment of inclusion and support, where you'll be a key member of the team - then it's time you joined Verizon. We offer award-winning training and incredible growth - Total Rewards that will make a real difference for you and your family. What are you waiting for?
Learn more about Verizon
VeritasHealthCare, Inc.
We are an innovative staffing solutions company fulfilling the diverse needs of both employers and professionals within the HealthCare industry.
Learn more about VeritasHealthCare, Inc.
National directories of franchises and businesses for sale to veterans and their spouses. All investment ranges are represented, starting at $10k. See which franchises veterans and their families are purchasing. Many franchises discount the purchase price and offer incentives, such as free laptops.
Learn more about Franchises for Veterans and Military Spouses
ViSalus Sciences
ViSalus stands for life, health, and prosperity. We understand the only way our company expands is by making sure our customers and distributors are the number one priority.
Learn more about ViSalus Sciences
When you join Wachovia, you join the fourth largest bank holding company in the United States based on assets. We are a community of professionals who work together to provide best-in-class financial services for our clients.
Learn more about Wachovia
Founded in 1901, Walgreens is one of the nation's largest retailers and one of the most progressive and successful companies in the U.S. Walgreens provides the most convenient access to consumer goods and services, and pharmacy, health and wellness services, in America. We're looking for friendly and enthusiastic people to join our Retail Store Team.
Learn more about Walgreens
Walmart Careers With a Mission.
The military instilled in you a sense of pride, honed your leadership skills and drew on the deep sense of purpose you carry throughout everything you do. Continue making the most of these traits at Walmart. Continue your path to success here.
Learn more about Walmart
Washington Group International
At Washington Group International, you will be a part of building the future. Our global reach, diversity of work, and culture of employee development provide some of the best opportunities for growth in the industry.
Learn more about Washington Group International
Waste Connections
Join Waste Connections! Now hiring drivers, mechanics, heavy equipment operators, and more...
Learn more about Waste Connections
Waste Management
At Waste Management, we're proud to offer the best pathways for you to achieve career satisfaction.
Learn more about Waste Management
Weichert, Realtors
Join the winning team at Weichert, Realtors and gain a career as an associate that will travel with you...anywhere! With more than 18,000 sales associates and 430 company-owned and franchised sales offices, Weichert is the largest privately owned real estate company in the U.S.
Learn more about Weichert, Realtors
Welcome Wagon
Welcome Wagon is a state-of-the-art new homeowner marketing company, located in Plainview, New York. Employing world-class digital print-on-demand equipment, we produce and mail millions of printed pieces in-house, within our brand new facility. We have a large publishing and research department and we compile our own new homeowner data to exacting standards.
Learn more about Welcome Wagon
WellPoint is the nation's leading health benefits company serving the needs of approximately 34 million medical members nationwide.
Learn more about WellPoint
West Corporation
Headquartered in Omaha, Nebraska, West processes billions of minutes in voice-related transactions every year and we employ over 28,000 people, located throughout North America, Europe and Asia. And while our own client base is expansive, our focus is singular. We specialize in the creation of voice-related solutions, based on the leading technologies and the strength of our methodologies that have been proven over time.
Learn more about West Corporation
Weston Solutions
Looking for a stable, financially secure company where you can contribute your talent and unique skills to make a difference in the world? At WESTON, our people apply their talents to meaningful, diverse projects at a variety of locations throughout the world.
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WestWind Technologies, Inc
WestWind is a systems integration solutions provider located in Huntsville, Alabama serving the DoD and commercial aviation community. We have experienced unprecedented growth and developed into a dynamic organization rich with exciting opportunities. Our employees are our greatest asset. We are looking for innovative and talented people with the "know how" and the "can do" attitude.
Learn more about WestWind Technologies, Inc
Wexford Health Sources Inc.
Help heal a population in need: Correctional Medicine at Wexford Health
Learn more about Wexford Health Sources Inc.
WFS Financial
WFS Financial is one of the nation's premier automobile lenders. For 30 years we've built an impressive history as the "relationship lender" by offering financing options to dealers and customers across the country. If you're searching for a company that can drive your career forward, consider joining us!
Learn more about WFS Financial
Widefield Community Center
The Widefield Community Center is owned and operated by Widefield School District #3. We offer activities for local and surrounding community members. Activities range from youth and adult sports to aquatics to community education classes.
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Williamsburg Landing, Inc.
Williamsburg Landing is a not-for-profit continuing care retirement community offering gracious lifestyles for those who place a high value on independence and have a zest for living. We offer a variety of residential choices in neighborhood settings and an award-winning healthcare center with facilities to accommodate a multitude of different needs.
Learn more about Williamsburg Landing, Inc.
Williams Lea
Williams Lea employ over 10,000 people worldwide and have a projected turnover in excess of £750m for 2007. We are the leading global provider of customised Corporate Information Solutions, and many of the world's leading organisations rely on us to make their information work harder.
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Wittenberg Weiner Consulting, LLC
Wittenberg Weiner Consulting, LLC employs top-level professional military spouses and retirees, especially during OCONUS rotations where other professional job opportunities might be limited. Our highly-educated and experienced staff leverages extensive public and private expertise to help DoD clients put good government into practice.
Learn more about Wittenberg Weiner Consulting, LLC
Worksource Florida
Kick Start Your Career with Monster! Attend Complimentary Job Seeker Workshop designed specifically for Veterans and Spouses.
Learn more about Worksource Florida
Wyndham Hotels and Resorts, LLC
Wyndham Worldwide is one of the world's largest hospitality companies across six continents. We offer individual consumers and business customers a broad array of hospitality products and services as well as various accommodation alternatives and price ranges through our premier portfolio of world-renowned brands.
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Find your job at a consulting company that changes the way business is done through strategy and IT, with military and civilian customers worldwide.
Learn more about XOtech
Yellow Transportation
Drivers, join the #1 team in Transportation- Yellow Transportation! For five years in a row- 2003 through 2007- Yellow has been honored as the #1 company in our industry in the FORTUNE(r) magazine ranking of America's "Most Admired Companies." And now we have our eyes on a six-peat! Apply today!
Learn more about Yellow Transportation
It's a reality. All talent is not the same. And the best people don't come along every day. With talent and outsourcing solutions from Yoh, you have a partner with a track record of providing customers with the best available talent in the marketplace. It's our job to eliminate mediocre candidates - because some candidates are simply better than others.
Learn more about Yoh
Youngblood Staffing, Inc.
North Carolina owned and operated since 1991, Youngblood Staffing, Inc. is considered one of the leading independent agencies in size and industry experience. With four locations in southeastern North Carolina and several additional locations under development, Youngblood Staffing currently serves over 10 counties and anticipates more in the near future.
Learn more about Youngblood Staffing, Inc.
Zeiders Enterprises understands that people have been and always will be our nation's most valuable resource.
Learn more at Zeiders
For 40 years, Zetec has been your trusted partner in mission-critical inspections. Throughout our history, we have been dedicated to providing the best integrated inspection solutions for the power generation industry worldwide. We offer capabilities to make your plant more competitive.
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ZYGO designs, manufactures, and distributes high-end optical systems and components for metrology and end-user applications. ZYGO's metrology systems are based on optical interferometry measuring displacement, surface figure, and optical wavefront. Metrology and optical markets for end-user and OEM applications include semiconductor capital equipment, aerospace/defense, automotive, and research.
Learn more about ZYGO


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Steak Fingers for Rare Steak Lovers
If you love rare or medium rare steak, this recipe is for you. My mother used to prepare this recipe for us kids (and she passed away recently at age 81--so...
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JimAdler brauchte ein neues Logo Design und hat einen Wettbewerb auf 99designs gestartet.
Aus 37 Designs von 19 Designern wurde eine Gewinner gewählt.
Joint City/County Commission on Children
The mission of the Joint City/County Commission on Children (JC4) is to generate an action plan advocating for individuals below the age of eighteen and their interests; assess the general welfare of our youth; offer ways in which the key needs of those individuals can be met; and promote the healthy development of children which will ultimately benefit our entire community.
To this end JC4 will:
• Monitor and make recommendations regarding State and Federal efforts, including legislation and the Texas Commission on Children and Youth to promote children and their needs by advocating, educating, and informing policy makers, program designers/administrators, business leaders and the public regarding children's issues
• Foster coordination, collaboration, and resource sharing between governments and private entities. Develop and promote a set of guidelines to integrate government and private programs which will primarily focus on prevention and early intervention for children and their families
• Develop recommendations for Houston's and Harris County's children relating to such areas as health, education, security, safety, and employment that outlines the responsibilities for the city/county governments
• Perform other duties as may be assigned by the Mayor and City Council of Houston or the County Judge and Commissioners of Harris County
parents, caregivers, grandparents, soon to be moms, mothers, fathers and anybody in the city of Houston that has children under the age of 18
We are not looking for a logo that looks childish. We want something nice and new that resonates with all children under the age of 18. We are very open about colors and ideas. We are looking for a logo that will help brand this Non profit organization in the Houston metropolitan area.
As you can see from our current site, which by the way we also have a project running here at 99designs.com for the design of the site. If you are interested and winning this bid, I encourage you to come up with ideas or possible layout for the website project as well.
We want the logo to read JC4KIDS.org. The name stands of Joint City/County Commission on Children and it should say it on the logo as well.
Thanks in advance for your prompt response!


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While many skateboarders will point to the West Coast and San Fran as the skating capital of the world, there are more and more people taking the pilgrimage to some of the skate park mecca's on the east coast. With the increased police crack-down on skateboarders on the West Coast, limiting the places where riders can carve, the scene on the East Coast has enjoyed a very vibrant growth. From the skateboarding legends at zflexonline.com that were a part of the Z-Boys team based on the east coast, to the more recent names like Mike V, the east coast has always had plenty to contribute. There is something very distinct and unique about the scenery on the East Coast, what better way to enjoy it than to grab a cruiser and take in the killer scenery on your board.
Here are some locations you will definitely want to check out on the East Coast:
Those in Brooklyn won't hesitate to point to Brooklyn Banks, located underneath the Brooklyn Bridge as one of the classic skateboarding spots. Stretched along the three-blocks is an incredible mix of stairs, handrails, and wall ride spots of varying heights.
If you are in Philadelphia, the iconic Love sculpture in Love park is the place where you will find every skateboarding obstacle to satisfy your cravings. The circular layout is perfect for carving long lines with a cruiser along the smooth granite. You also have a great mix of short and tall ledges, benches, and handrails, and how could anyone forget about the water fountain right in the centre of it all- perfect for huge jumps as you land in the basin.
Perhaps one of the most unlikely but up-and-coming skateboarding cities on the East Coast is found in the conservative insurance capitol of the world, Hartford, Connecticut. Unlikely as it may seem, Dan J. Dziuban, who is the part owner of Theory Skate Shops in southern Massachusetts, joins the growing number of skateboarders who make a weekend trip to Hartford and skate all day. One reason for the sudden spike in skateboarders is the support of the city; "We're cutting edge," says H. Scott Phelps, the president of the Greater Hartford Convention and Visitors Bureau. The city police are known to be extra friendly toward skateboarders and give them plenty of leeway. Phelps adds that, "If they're not damaging property and spending money in our community, that's what it's all about.'' It is not surprising then to see professional skateboarders Tim Upson, Donny Barley, and Brian Anderson come out of a city with this kind of an attitude.
For those that are looking for a camp to really immerse themselves into a skateboarding experience, Camp Woodward not only have locations in California, but also in Wisconsin and Pennsylvania with the East Coast flavor. 2013 saw professional skateboarder from Texas, Ryan Thompson make an appearance and sharing all his tips and tricks with the campers. The camp is huge and offers plenty of great packages.
With 66 acres of facilities, Ohio Dreams is the second largest street sports camp behind Woodward. Their week long summer programs never fail to impress as they continue to bring in the best pro skate instructors from all over the world. There is no way you will run out of courses at this place. Enjoy what the Ohian landscape on the East Coast has to say about skateboarding.
So whether you are looking for a one day, a weekend, or a week-long skateboarding experience on the East Coast, be sure to check out some of these skate park havens and enjoy the uniqueness that can only be found on the East side.


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By Ed Payne, (CNN) — The court of public opinion weighed in decidedly against Lance Armstrong ahead of the broadcast of his interview with Oprah Winfrey, who confirmed media reports Tuesday that the cyclist acknowledged using performance-enhancing drugs after years of denials.
After CBS and other media outlets reported that Armstrong admitted using banned substances, Winfrey said her team and Armstrong's camp had originally agreed not to leak details of the interview. She said she decided to appear on "CBS This Morning" because Armstrong's acknowledgment had "already been confirmed."
Winfrey, appearing on "CBS This Morning" on Tuesday, did not describe Armstrong's statements in detail but said the former cyclist was forthcoming in what she said was an exhausting and intense interview taped in Armstrong's hometown of Austin, Texas.
"We were mesmerized and riveted by some of his answers," she said, adding that "he did not come clean in the manner that I expected." She didn't elaborate.
On CNN's Facebook page, the opinions were passionate and pointed.
"This guy is a loser and a liar!!" Melinda Morgan said. "He is not sorry for what he did, he is sorry that he got caught!!"
Margaret Midkiff said there's no hope of Armstrong reviving his career. "He's lied to folks way too long."
For more than a decade, Armstrong has denied he used performance-enhancing drugs, but he was linked to a doping scandal by nearly a dozen other former cyclists who have admitted to doping.
Some media outlets have reported that Armstrong has been strongly considering the possibility of a confession, possibly as a way to stem the tide of fleeing sponsors and as part of a long-term comeback plan.
But Gretta Michellé said it's too late for redemption.
"He had the opportunity to be honest from the beginning and he should have," she posted on the Facebook page. "Winning was more important."
Armstrong's admission is a sharp about-face after more than a decade of vehemently denying he cheated en route to winning a record seven Tour de France titles. Cycling's international governing body, the UCI, stripped the titles from Armstrong following a report by the U.S. Anti-Doping Agency that found widespread evidence of Armstrong's involvement in a sophisticated doping program.
The interview will air over two nights, beginning at 9 p.m. ET Thursday on the Oprah Winfrey Network. Winfrey has promised a "no-holds-barred" interview, with no conditions and no payment made to Armstrong.
"I hope the ratings are (a) record low on that show," Matthew Black said in a Facebook comment.
Winfrey declined to characterize Armstrong's statements, saying she preferred that viewers make up their own minds. She said the interview was at times emotional and surprisingly intense.
"I would say that he met the moment," she said.
Word that Armstrong may have allowed some emotion to show through didn't seem to soften many critics.
"Go ahead and cry, Lance … it won't help you one bit," Lori Polacek said. You "blew it a long time ago!"
Cancer charity: The trump card?
Some were willing to cut Armstrong a break because of his long-running cancer charity: the Livestrong Foundation.
"Who cares?" said Pedro Murillo. "He raised so much for cancer research, that's more important (than) if he doped for some races."
David Flowe said he doesn't care if Armstrong was involved in doping or if he even confesses to it.
"The man is an inspiration for those battling cancer," he said. "Quit being so judgmental of others especially someone who has done so much good for the world!"
Armstrong, 41, has been an icon for his cycling feats and celebrity, bringing more status to a sport wildly popular in some nations but lacking big-name recognition, big money and mass appeal in the United States.
He fought back from testicular cancer to win the Tour de France from 1999 to 2005. He raised millions via his Lance Armstrong Foundation to help cancer victims and survivors, an effort illustrated by trendy yellow "LiveSTRONG" wristbands that helped bring in the money.
Before the interview with Winfrey, the disgraced cycling legend apologized to the staff of his cancer charity, a publicist for Livestrong Foundation said.
Armstrong was tearful during the 15-minute meeting and didn't address the issue of steroid use in cycling, said Rae Bazzarre, director of communications for the foundation.
Bazzarre added that Armstrong offered to the staff a "sincere and heartfelt apology for the stress they've endured because of him."
He urged them to keep working hard to help cancer survivors and their families.
Banned for life
The USADA hit Armstrong with a lifetime ban after the agency issued a 202-page report in October that said there was overwhelming evidence he was directly involved in a sophisticated doping program.
The report detailed Armstrong's alleged use of performance-enhancing drugs and blood transfusions. The USADA said it had tested Armstrong fewer than 60 times and the International Cycling Union conducted about 215 tests.
"Show one failed test, just one," Ron Berg said, challenging the wave of public opinion against Armstrong. "You can't, because he passed them all. … They hate him for his success and tried to fail him, they could not."
The agency did not say that Armstrong ever failed a test, but his former teammates testified as to how they beat tests or avoided them altogether.
Where to watch the Oprah interview of Lance Armstrong:
You can watch the interview on the OWN network channel (find your specific channel using "The OWN Channel Finder" on Oprah.com) or watch it live on Oprah.com 9/8c Thursday and Friday.
CNN's Steve Almasy and Michael Pearson contributed to this report.
™ & © 2013 Cable News Network, Inc., a Time Warner Company. All rights reserved.


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SILVER STAR is a wonderful example of the popular Viking Sport Cruiser/ Princess line. Her timeless looks give her 61' a great layout for 3 staterooms, large salon and galley complete with lower helm.
For more details or to arrange your personal inspection please contact Scott Lampe 619-222-1124 office, 619-804-5700 cell or email@example.com
2700 Dickens St. - Suite B
San Diego, CA 92106
United States


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Those searching for High end power cables are advised to
acquaint themselves with the DFPC series from LessLoss Audio.
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WASHINGTON, DC, August 5, 2009 — Certified Financial Planner Board of Standards, Inc. (CFP Board) is seeking comment on a proposed change to its educational standards that would require individuals seeking to become CERTIFIED FINANCIAL PLANNER™ professionals to demonstrate their ability to address the financial planning subject areas of CFP Board's certification requirements in an integrated, written financial plan.
CFP Board has proposed adding a financial plan development course to its educational standards and is seeking public comment on the proposed addition. The Financial Plan Development Course requirement would require those seeking to attain CFP® certification to prepare a written and comprehensive financial plan and have their performance assessed based on the written plan and an oral presentation of the plan.
"The proposed Financial Plan Development Course would require individuals seeking to attain CFP® certification to demonstrate their ability to integrate and apply the financial planning topic areas to a scenario based on the types of situations a practicing financial planner might be expected to address with clients," said Marilyn Capelli Dimitroff, CFP®, Chair of CFP Board's Board of Directors. "The proposal is intended to enhance the knowledge, skills and abilities of the individuals and assess their ability to deliver professional and competent financial planning services to the public."
As proposed, the new requirement would require financial planning education programs registered with CFP Board to offer a financial plan development course no later than January 2012.
The entire proposal can be found at www.CFP.net/downloads/Financial_Plan_Development_Course_Proposal.pdf. Any individual or group wishing to comment on the proposed Financial Plan Development Course requirement should submit written comments no later than October 2, 2009. Comments received during the 60-day comment period will be reviewed by CFP Board's Council on Education and posted to CFP Board's Web site. CFP Board is especially interested in comments focused on implementation, assessment and/or course outcomes related to the proposed Financial Plan Development Course requirement.
Comments may be sent to CFP Board by e-mail to firstname.lastname@example.com or by mail to:
CFP Board c/o Managing Director, Education 1425 K Street NW, Suite 500 Washington, DC 20005
About CFP Board: The mission of Certified Financial Planner Board of Standards, Inc. is to benefit the public by granting the CFP® certification and upholding it as the recognized standard of excellence for personal financial planning. The Board of Directors, in furthering CFP Board's mission, acts on behalf of the public, CFP® certificants and other stakeholders. CFP Board owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements. CFP Board currently authorizes more than 60,000 individuals to use these marks in the United States. For more about CFP Board, visit www.CFP.net.
# # # CFP® - The Recognized Standard of Excellence in Personal Financial Planning
CONTACT: Chris Wloszczyna, Director of Public Relations CFP Board P: 202-379-2252 E: firstname.lastname@example.com
More Events


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Collateralized Debt Obligations and Credit Risk Transfer
Several studies have reported how new credit risk transfer vehicles have made it easier to reallocate large amounts of credit risk from the financial sector to the non-financial sector of the capital markets. In this article, we describe one of these new credit risk transfer vehicles, the collateralized debt obligation. Synthetic credit debt obligations utilize credit default swaps, another relatively new credit risk transfer vehicle. Financial institutions face five major risks: credit, interest rate, price, currency, and liquidity. The development of the derivatives markets prior to 1990 provided financial institutions with efficient vehicles for the transfer of interest rate, price, and currency risks, as well as enhancing the liquidity of the underlying assets. However, it is only in recent years that the market for the efficient transfer of credit risk has developed. Credit risk is the risk that a debt instrument will decline in value as a result of the borrower's inability (real or perceived) to satisfy the contractual terms of its borrowing arrangement. In the case of corporate debt obligations, credit risk encompasses default, credit spread, and rating downgrade risks. The most obvious way for a financial institution to transfer the credit risk of a loan it has originated is to sell it to another party. Loan covenants typically require that the obligor be informed of the sale. The drawback of a sale in the case of corporate loans is the potential impairment of the originating financial institution's relationship with the obligor of the loan sold. Syndicated loans overcome the drawback of an outright sale because banks in the syndicate may sell their loan shares in the secondary market. The sale may be through an assignment or through participation. While the former mechanism for a syndicated loan requires the approval of the obligor, the latter does not since the payments are merely passed through to the purchaser and therefore the obligor need not know about the sale. Another form of credit risk transfer (CRT) vehicle developed in the 1980s is securitization [Fabozzi and Kothari (2007)]. In a securitization, a financial institution that originates loans pools them and sells them to a special purpose entity (SPE). The SPE obtains funds to acquire the pool of loans by issuing securities. Payment of interest and principal on the securities issued by the SPE is obtained from the cash flow of the pool of loans. While the financial institution employing securitization retains some of the credit risk associated with the pool of loans, the majority of the credit risk is transferred to the holders of the securities issued by the SPE. Two recent developments for transferring credit risk are credit derivatives and collateralized debt obligations (CDOs). For financial institutions, credit derivatives allow the transfer of credit risk to another party without the sale of the loan. A CDO is an application of the securitization technology. With the development of the credit derivatives market, CDOs can be created without the actual sale of a pool of loans to an SPE using credit derivatives. CDOs created using credit derivatives are referred to as synthetic CDOs. In this article, we discuss CDOs. We begin with the basics of CDOs and then discuss synthetic CDOs. The issues for regulators and supervisors of capital markets with respect to CDOs, as well as credit derivatives, are also discussed.
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Date of creation: | 01 Jul 2007 |
Handle: | RePEc:ysm:somwrk:amz2503 |
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17 extraordinary bookstores
December 7, 2016, 5:02 p.m. by Anna Norris
Boasting breathtaking design and extensive collections, here are some of the most remarkable bookstores from around the globe.
Being nice at work may be killing your career
December 6, 2016, 3:21 p.m. by Ilana Strauss
A new study found that agreeable women get paid less than everyone else at the office – even other women.
10 iconic city skylines, then and now
December 5, 2016, 6:26 a.m. by Josh Lew
See how urban development has dramatically changed these metropolises over several decades.
6 ways to sneak exercise into your workday
October 17, 2016, 6:10 a.m. by Lambeth Hochwald
We promise none of these will make you look like the office weirdo.
Turn up the music to amp up your workday
September 26, 2016, 5:09 a.m. by Lambeth Hochwald
Music can help you focus if you link certain tunes to specific tasks.
Moving? Nonprofit makes donating food easy
September 14, 2016, 4:12 p.m. by Robin Shreeves
Adam Lowy's vision has helped feed more than 6 million people.
After high-heel drama, British woman petitions Parliament to join the 21st century
May 11, 2016, 1:15 p.m. by Mary Jo DiLonardo
Thousands of people support her petition asking for change in dress code laws.
What does happiness have to do with leadership? A lot more than you think
March 24, 2016, 1:13 p.m. by Michael Graham Richard
John Addison says finding your inner calm will get you more than halfway there. His new book shows you how.
Why are tech company offices so weird?
March 18, 2016, 5:47 a.m. by Lloyd Alter
It started for a good reason, to keep employees happy. But this has gotten seriously out of control.
As coal declines, miners take up coding
February 14, 2016, 10:40 a.m. by Sami Grover
A new startup in Kentucky aims to turn coal miners into web programmers.
What does Zappos' story prove? Some people don't like change
January 18, 2016, 7:32 a.m. by Lloyd Alter
Work shouldn't have to be a live-action 'Dilbert' cartoon.
8 things you need to know before you set up a standing desk
January 8, 2016, 12:16 p.m. by Catie Leary
Here's what I've learned since I set up my standing desk in January 2013.
Suburban office parks are dying because young people don't want to drive there
January 4, 2016, 1:24 p.m. by Lloyd Alter
Office buildings are turning into 'see-throughs' as companies chase the millennials downtown.
The 'hole' of Lake Berryessa is a life-saver
What looks like a terrifying hole to the underworld is much more benign.
What's so dangerous about Jacob's Well?
A central Texas getaway lures daredevils and those simply wanting to cool off.
Antarctica's 'lost meteorites'
Antarctica is oddly barren of iron-based meteorites. What could have happened to them?
The mystery of Devil's Kettle Falls
2 waterfalls send half of a river on its way to Lake Superior. Where did the other half go?
Why are humpback whales rescuing orcas?
Scientists are baffled at this seemingly altruistic behavior.


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In it, but not of it. TPM DC
Gibbs: Despite Titgate, Simpson 'Will Continue To Serve' On Debt Commission
After Simpson emailed a critic and compared Social Security to "a cow with 310 million tits," advocacy groups including the National Organization for Women, Social Security Works, MoveOn, and progressive legislators like Rep. Jerrold Nadler (D-NY) and Bernie Sanders (I-VT) called on the White House to fire him. That's not going to happen.
Simpson represented Wyoming in the Senate as a Republican from 1979-1997, and co-chairs the commission that may well decide the fate of Social Security later this year.