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February 11, 2014 08:05 ET
Debt Management, easier, quicker, and more accurate
TORONTO, ONTARIO--(Marketwired - Feb. 11, 2014) -
Editors Note: There is a photo and a video associated with this release.
Cougar Software, the provider of Real Estate focused budgeting, planning and forecasting solutions, recently released new functionality within its Debt Module that automatically calculates Deferred Finance Costs (DFC) and Mark to Market (MTM) and all required amortisations.
"Our ultimate goal is for users to be able to manage their debt from one repository and be more confident in covering the entire debt position as opposed to having to build and refer to multiple spreadsheets," says Gidon Kerbel, Chief Financial Analyst.
He adds: "Calculation accuracy is critical, as any DFC or Mark to Market calculation errors will have an impact on both the current and forecasted financial metrics (including returns). At first glance DFC and Mark to Market balances on one specific loan seem immaterial. But, when aggregated over a portfolio of 100 or more loans, the amount becomes substantial."
Users simply select one of the pre-defined amortization methods (Straight Line, Interest Differential or Proportionate Principal) for their DFC and MTM amounts and Cougar does the rest. Using its proprietary calculation engine, all the charges and the relevant details for accounting purposes-from initial draw of the loans to forecasted maturity of the loans across the entire portfolio of loans (both debt and assets)-are generated. Naturally, this includes month-end as well as payment-dated charges/entries.
Benefits to the user include:
About Cougar Software
Founded in 1992 and serving clients worldwide, Cougar provides the only financial modeling tools the Real Estate industry needs for budgeting, planning and forecasting processes. Cougar's integrated solution keeps all the information in one place, enabling a quick analysis of data across all, or any subset of properties, investments, portfolios or funds. Cougar counts among its customers several of the world's leading property management and investment companies, pension plans and REITs. Cougar is a privately held company with offices in Canada, Australia, the United Kingdom and the U.S.A. For additional information visit: www.cougarsoftware.com
To view the photo associated with this release, please visit the following link: http://www.marketwire.com/library/20140210-926625.jpg
To view the video associated with this release, please visit the following link: http://www.youtube.com/watch?v=VYT0hi8pbc4
Media Contact:Sharon Miller+1.905.760.7688 x email@example.com
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Gidon Kerbel, Chief Financial Analyst, Cougar Software
Cougar Software Solves Portfolio Nightmares
Diggs on this release


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|Contact them
|(209) 245-6660
|Physical address:
|22001 Shenandoah School Rd.
Plymouth, Ca. 95669
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Martec Lifestyle Mini 42" Timber Ceiling Fan with E27 Light Kit
The Martec Lifestyle with Light is a full Die Cast Aluminium ceiling fan with a classic design which forms part of Martec's most popular Ceiling Fan range.It comes with 4 sleek solid plywood sealed paddle shaped blades and a twin E27 light kit designed to take energy saving compact fluorescent lamps.
The Lifestyle mini has a 12.5 degree blade pitch with wide paddle shaped blades, for both low and medium air movement. It is ideal for both bedrooms and small living areas.
- Anti-Rust Die Cast Aluminium Body
- 3 Speed Wall Control With Light Switch
- Powerful 153mmx15mm Efficient Motor
- Electronically Factory Balanced Blades
- Remote Control Adaptable (not included)
- 1067mm (42")
- Super Quiet Operation
- Hangsure Angle Canopy
Delivery Information
JD Lighting offers FREE standard shipping for most online orders over $99* within Australia.
- Exclusions apply to WA, SA, NT & Tasmania. For these excluded areas, actual shipping charges will be calculated at checkout.
For more information about our Shipping Policy, please click here.
Returns Information
If you are not entirely satisfied with your online order, you may send it back to us for a refund or exchange within 30 days of purchase.
Our 3 simple rules of returns are:
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Please note the following:
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- Any cost associated with returning the goods would be at the consumers' expense.
For more information about our Returns Policy, please click here.


text:
When Life Starts Feeling Overwhelming, Take A Look At This Amazing Video Of Earth Shot From Space.
"For small creatures such as we the vastness is bearable only through love." --Carl Sagan
The lights of the aurora borealis dance in waves of green and blue and violet. The lidless stars sparkle in the ink of permanent night far above, far beyond us.
Millions of lights below unblinking satellite eyes. Lives, coming and going. Thoughts. Prayers. Dreams. Worries. Old hates fading. New loves emerging.
In a word, life.
For small creatures such as we the vastness is bearable only through love. --Carl Sagan.
If this helped put things into perspective, won't you take a moment and share it with your friends?Source: video originally posted by Robert Gawdzik on YouTube.


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Caps: Reactions to NHL relaignment from rival fans
The NHL's decision to realign into 4 conferences with the Washington Capitals being placed into a conference with former Patrick Division rivals was welcomed enthusiastically by D.C. fans like me. Being assigned into the same conference as the New Jersey Devils, New York Rangers, New York Islanders, Philadelphia Flyers, and Pittsburgh Penguins is something Caps fans have been waiting for since the Southeast Division was created. Simply put D.C. fans don't get fired up for playing South Florida, Atlanta or Tampa Bay like they due New York and Philadelphia. The Carolina Hurricanes also come along from the SE.
I was able to get comments from fans of the Flyers, Penguins, Hurricanes and as of December 22, an Islanders fan. Here is what they had to say:
Chris Grovich, Philly sports fan and editor of Black Shoe Diaries:
I could take or leave the Hurricanes, but otherwise I think it's a fantastic move by the NHL. As a selfish Flyers fan, it preserves most everything we want. Great to have the Caps back in the group. Washington is a mid-Atlantic/northeast city, and they belong in that kind of division for hockey. The NBA can keep doing whatever they're doing, mostly because they're stupid and irrelevant.
Sam B., The Maryland Bureau Chief Emeritus:
My thoughts are that I am in favor of it. This new format is similar to the Patrick Division which featured the Pens, Isles, Devils, Rangers, etc. I admit that I was concerned by some of the realignment talk that had the Pens joining the southeast division. I think the Pens have a great rivalry with the Caps, but there is no spark with the hurricanes, panthers or lightning. I am especially delighted with the new playoff format. I think its good for these teams to have rivalries intact and hopefully become even stronger.
Muha, La Coupe Hauxer Pengyunz "governor":
1. Geographically, it makes sense, and it does keep a number of traditional rivalries intact. As you stated on the blog, now it evens out the entire La Coupe Hauxer quite nicely, and should all the teams make it into the playoffs, we could sort of change up the format a bit and tie outcomes based on seeding and finish.
2. Oddly enough, this opens up the possibility for expansion in the "C" and "D" Conferences. I'm not sure how scheduling 32 teams over 82 games will work in this capacity (that might beg to expand the schedule a little further, especially since there are some instances where some teams get a week off between games). If that's the case, if Winnipeg can get the Jets back, who's to say that the Whalers can't return to Hartford, and there have been rumors that the league has wanted to move the Houston Aeros up from the AHL for years. It might even get the Balsillie monkey of Bettman's back.
3. Going back to the rivalries, that was a major concern for a lot of fans when the talk of realignment began this summer. One of the biggest rumors was the entire East was going to be shuffled into something unrecognizable, especially since it included bringing Detroit in. I mean, if you go back to the "Original Six", yeah, they're part of the "West", but that was already thrown out the window after the (now) Jets came in and took the Leafs with them. It really doesn't make sense to make moves that affect such "traditions", plus, it's just weird.
4. Now to the next point: NAMING. I think one of the worst things the league did was abolish the "traditional" division/conference names back in the late '90s. It's what set the NHL apart from every other "major" sports league for a long time due to the unique nature of hockey. That needs to be brought back. Sure, geography can be helpful, and it's more of an American thing, but hockey is clearly NOT an American thing, at least at its roots.
Adam P., Hurricanes season ticket holder and Western Pennsylvania expatriot:
I'm actually excited about having the return to the divisional playoff format under the new alignment. The Southeast Division never had any real rivalries because 1) the division was never good enough to get multiple teams into the playoffs often. Southeast teams never faced each other in the playoffs. 2) The Caps were more often than not focused on their old divisional rivals. So the opportunity for the Canes to have real division rivals is great. Unfortunately, the concern of many down here is that the team will not be able to compete with the bigger market and highly competitive teams within the new division. The hope is that this will serve as a wake up call to management in the style of player an money given to a player to be competitive and make the playoffs.
I grew up with the Patrick Division so this is almost like being a kid again. In the divisional format, you really learn to hate a team…not just hate a team but HATE a team. I think it will be good for the newer Canes fans to experience it. It's a shame that feeling never developed within the old division.
Be sure to check out Adam's flickr stream for lots of quality hockey photos.
Some dissent to realignment from Long Islander Devon Edwards of Onward State
I'm not old enough to remember the Islanders as anything but an Atlantic Division team, so the historical basis has zero appeal and the opportunity to be playing the Hurricanes and Capitals more isn't particularly exciting, either. But really, the big concern is with the playoff structure. For a team that'll be on the bubble, it's harder to break through with the established contenders in our divisions. It's easier to contend for an 8-seed now than it will be to fight for a 4-seed in the future. I don't think the league or playoff structures were broken, and so I'm apprehensive about a unnecessary massive overhaul. Especially one that only serves to diminish the Islanders shot at contention in the foreseeable future.
Unfortunately, I couldn't get commentary from the Devils fan I know, so I had to go with this:
I don't know any Rangers
or Islanders fans, so no comments from them.


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The Negroni Lost Its Edge
The Negroni has always been a democracy: equal proportions of three liquors most of the diviest bars would have, each taking up equal real estate of your tastebuds. I claim no ownership of it, but I feel like it was taken from me—and too soon.
Matt Buchanan called it during last year's Negroni Week, and one year later, he still feels the loss. I do, too.
I miss when it was so novel I had to look up a recipe.
I miss when its tint made me feel a little mischievous; when it got me in the nose—when I knew "the secret handshake," yet still stumbled to say "sbagliato" right.
I miss when there didn't need to be a "next Negroni"; when I wasn't sick of typing "bitter is better."
I miss when it wasn't "the kale of cocktails," and when it was served next to Manhattans instead of cupcakes.
Robert Simonson wrote in the foreword to an entire book on the drink that:
But I fear that instead, it's sidling up to fallible specimens: Jello (sometimes in shots), cupcakes, cans. It's not its fault—I suppose it's ours: We squeezed it so hard, it slipped through our fingers.
A mere 5 years ago, Imbibe wrote:
"While many of us love this drink unabashedly, your average consumer has probably never heard of it and many more can't identify with or enjoy that characteristic dry bitterness that comes when gin and Campari unite."
Imbibe nows throws a Negroni Week—aka Negroni Weak—where you can Instagram your drink like it's avocado toast. It's this week, in case you'd like to join. There are 6,041 participating venues.
Don't forget to paws for a cause this Negroni Week! Give those Pugtenders and Dogtenders a day off and head out to a participating bar, a portion of each Negroni sold goes to charity! #pugtender Chocolate Negroni 3/4 oz. Campari 3/4 oz. Cinzano Rosso 1/4 oz. Gin 1/4 oz. White Crème de Cacao 3 Dashes Chocolate Bitters 3 Dashes Chili Powder Stir and strain on one large cube rocks glass, garnish with an orange twist Recipe by @forkandshaker
It doesn't mean the Negroni is bad now—it's just everywhere. And everywhere is sometimes for the better. When things get more popular, they become more inclusive.
But at what point does more popular also mean watery, weaker? It was naughty in its novelty—but what is it now, now that it's slept with everyone?
Its qualities remain: bitter, sweet, perfect. Same bones, same formula—if now known by heart. It's just uneventful every way else.


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Creating/updating large multi national banks' legal inventory for US, Canada, EMEA and APAC banking regulations. Categorizing applicable regulations into a) multi layered compliance categories and b) multi layered business taxonomy.
* Conducting gap analysis within banks' internal policies and manuals to determine their compliance requirements are adequately manifested in their controls.
* Interacting with third party business consultants for validation of mapping.
* Interacting with compliance platform vendors to ensure that mapping is uploaded on their platforms adequately
Strong understanding of financial concepts
Working experience in large multinational financial services organization
Fair knowledge of banking laws and regulations; ? Ability to understand technical documents and legal/ regulatory materials
Must possess excellent analytical and logical skills
Experience : 0 – 4 yrs
Salary : Not specified
Job Location : Mumbai, Noida
Qualification : Any Graduates
Company Name : Thomson Corporation
Company Address : NA
Company Profile : Thomson Reuters is a global leader in providing essential information to the world"s businesses and professionals in Law, Financial Services, Tax & Accounting, Media & News, Healthcare and Scientific Research. With our deep expertise and understanding of these professions, we are able to offer our customers a broad range of innovative products and services. The relevent, insightful information and intuitive supporting systems we provide enable our customers to be successful. Thomson Reuters has operations in 93 countries around the globe.
|Click here to Apply


text: Fast & Clean Inc, is comitted to obtain the absolute highest degree of satisfication from our customers. To do so we will provide extremely high quality products from several manufactures all of which are guaranteed to perform as advertised and provide highly satisfactory results. We warrant to Put Pride In Your Ride!


text:
The Game links up with Lil Wayne, Big Sean, Fabolous and Jeremih for "All That (Lady)," a new single from his December 11th release Jesus Piece. Song doesn't sound bad,
but can we handle hearing those Big Boy's Neighborhood tags anymore?
Update: Added CDQ / Dirty version
Update #2: The official video is out now. See it here.


text:
|For all media requests, please contact the Executive Director, Randy Attwood, at T: 416-924-7973
|July 10
|Sky and Telescope Magazine: Is Mercury a Hit-and-Run Survivor?
|July 02
|Jet Propulsion Laboratory: NASA launches carbon mission to watch Earth breathe.
|June 26
|Max Planck Institute for Radio Astronomy: Trio of supper massive black holes shakes space-time.
|June 20
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|June 11
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|June 02
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|Times Colonist Summertime opening in the works for Centre of the Universe, observatory
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text:
School Consolidation Is No 'Silver Bullet'
As superintendent of the 1,700-student Godfrey Lee School District, David Britten says he also doubles as the curriculum director.
Britten said he has one secondary school principal that oversees three buildings and one elementary principal that supervises two buildings.
So Britten is skeptical of reports that say consolidation of smaller school districts could save schools millions.
"I'm tired of the simplistic battle war cries for consolidation that don't factor in all the variables that are going to differ from district to district," Britten said. "It doesn't solve the financial problems you have in the state."
A new Michigan State University study suggests that consolidation of school districts at the county level could save about $612 million. Rural districts or districts with fewer than 2,000 students would be the biggest winners, the study states.
The study was done by the Education Policy Center at Michigan State University.
"State and local boards of education, operating under pressure to run schools efficiently and meet national and state performance goals, must consider administrative options such as consolidation or the coordination of services to reduce operating costs and improve the quality of education for all students," the study states.
Britten said many studies are too simplistic and don't take into consideration things like raises for employees taking on additional responsibilities and schools hiring additional bureaucrats for the larger districts created.
Andrew Coulson, an adjunct fellow for the Mackinac Center, authored a 2007 study on school consolidation plans. He found that school costs would continue to rise unless market incentives were introduced. Coulson wrote that a significant finding of his study is that school officials maximized operating spending regardless of the public demand for educational services.
Coulson said that while consolidation could save money in theory, it wasn't practical because smaller districts would have to be adjacent to each other to maximize savings.
Michael Van Beek, director of education policy at the Mackinac Center, said what is underreported is that the state has been consolidating for decades. Van Beek said there were about 5,000 districts in 1960. Today, there are 550.
"I think consolidating services will save money," Van Beek said. "But consolidating districts, that's not a silver bullet and shouldn't be considered. There is no evidence to show that consolidating districts will save taxpayers in Michigan."
Van Beek said the MSU report wasn't applicable to this state.
"It takes data from 20 years ago from a study in rural New York and runs all the calculations based on current spending in Michigan," Van Beek said.
Read the MSU study here.


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Originally posted by poedxsoldiervet
reply to post by Avenginggecko
Do you know where that teaching came from? Jesus was talking to Pharisees(?) and they asked him what he thought of taxes, trying to trip him up because they wanted to kill him for his teachings.
Jesus asked for a coin, and he said you see who is on that coin, (Caesers was on that coin, and that's when he said give what is Caesers to Caeser and God what is Gods... He did not mention anything about separation of church or state. We are Gods and that is what he came here to give God...
How do you get Separation from church and state out of that? Do you Cherry Pick the bible?
[edit on 11-1-2010 by poedxsoldiervet]
Very good point. I think the thing most of my fellow abrahimic-theists do not understand is that a secular government is what is preventing us from having some corrupt politician declare christianity, islam, or even Norse Mythology illegal and punishable by law. In fact the catholic church used to punish practicing christians for teaching out of the bible instead of Approved catholic doctrines. A separation of Church and state is vital to religious freedom.
Originally posted by pumpkinorange
Okay, but to clarify...God in the Bible says he is SPIRIT. Not flesh. So the concept that we are "created in God's image" is likely more complex than sex organs. The attributes we share with God (given that he is spirit and not flesh) are perhaps spiritual or other non-flesh attributes, e.g. love, self-awareness, designing/creating, problem-solving, among others.
Originally posted by whaaa
I just find it strange that anyone would presume to know what is best for the planet in reguards to creation; then in turn cover up, deny, and minimalize a problem that devistated so many lives. Pedophelia
Pedophelia isn't an "attack" on creation? sheesh!
You seem to misunderstand me but that is okay, while we will never agree and both swear we are the right ones we can agree to disagree.
However, You seem to or implied that I think I will be gone in a twinkle of an eye,
But I will say what I need to say and I do belive what I say is right
Like I have said before I am far from a model Chirstian and have only recently have joined Jesus Christ Church.
There are Many things In the bible that I do not understand, and sometimes I feel as if things in the bible have been reworded when King James and even the early church put it together.
I am hunger for the word of God and have read "other" books that did not make it in todays bible.
I no more follow the clergy then I do Congress.
I march to the tune of Jesus band, while all the way mis-stepping trying to get it right.
Originally posted by Dock9
reply to post by neo5842
We'd be wise to remember that God did not write the Bible. He didn't even endorse it or contribute to the Foreword
MAN .. fallible MAN .. wrote the Bible
and those men filled the Bible with their OWN prejudices and beliefs
Do people realise this, do you think ?
I mean, there's absolutely NO difference between the Bible
and an UN-authorized 'biography' of Elvis Presley !
MAN .. fallible MAN .. wrote the Bible
God had nothing to do with it. And I don't blame him/her/it
Originally posted by poedxsoldiervet
reply to post by Dock9
I dont see anyone in here passing Judgement except people like you, I dont have to like everyone, I dont have to accept anyones lifestyle, But According to God I do have to love everyone... I have seen some of you on here attack christians with a passions (jews) as well. All the while trying belittle them, But in the very next breathe you folks will call us dirty little names and attack god with dumb ass remarks like that one....
I have said it once Ill say it again, I do thing being GAY is a CHOICE, I think that lifestyle is VILE, BUT if they want to get Married I dont care because God will judge them not me, And I love all people regardless I may not like you but I still love you.
Some of you here will be the first one to never admit that, but always attack because we dont agree with you, Christian and non christians alike... You may not admitt but deep down you know it to be true.
Originally posted by whaaa
but perhaps il Papa should be addressing issues within his own flock before he comments on the outside world.


text:
Build Guide by dioguitooh
Not Updated For Current Season
This guide has not yet been updated for the current season. Please keep this in mind while reading. You can see the most recently updated guides on the browse guides page.
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Your votes and comments encourage our guide authors to continue
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Teemo Build
Ability Sequence
Not Updated For Current Season
The masteries shown here are not yet updated for the current season, the guide author needs to set up the new masteries. As such, they will be different than the masteries you see in-game.
Here's my personal way of playing with my favorite champion "The Great Teem" xD. But the Frozen Mallet may be replaced by the Infinity Edge. I hope you enjoy my method and I used it! Please vote and comment positive! I wish all joagadores an excellent game play and have fun and make good scores with my method! Cheers XDXDXDXDXDXDXDXDXDXDXDXDXXDXXDDXXDDDXDXDXDXDXDDXXDXDXDXDDXXDXDXDXDXDDXXDDXXDXDXDXDXDXDXDXDXD


text:
The aim of this article is making explanation on how to play TS file that you will mostly obtained from Internet. TS file are MPEG-2 video files, recording of television broadcast in high definition. There are some solutions on how to play TS file.
What is TS file?
Today, TS file is very wide spread on the Internet as (usually split) recordings from HDTV broadcasts. TS – an MPEG-2 Transport Stream, also referred to as MPEG or MPEG-2 TS or simply TS, is a special format for transmitting MPEG (MPEG-1, MPEG-2, or MPEG-4) video mixed with other streams. It's commonly used for digital television and Streaming across networks, including the internet. As an MPEG format, there are kinds of DVD players and ways to play TS file or to convert it to more compliant files for authoring. MPEG-2 is the format used in the DVD-Video format and is also part of the HD DVD specification, although it has trouble competing with more compressible formats such as VC-1 and H.264.
Solutions on How to Play TS File:
1. VLC Player
a. Download and install the VLC player. The VLC package already includes software to play MPEG-2 video content and supports opening and playing .TS files directly.
b. Click File and click the Open File option.
c. Now, click the Browse button next to the first white line at the top of the window with title "Open" and navigate through your hard drive for the video you wish to watch and select it. After you have selected the video, click OK and VLC will start playing the video you chose.
2. Windows Media Player
Almost every Windows user has a Windows Media Player preinstalled on the computer when purchased it. But make sure an appropriate DirectShow flitter is installed. Whether or not .TS files will open directly with software such as Windows Media Player depends on whether appropriate DirectShow filters are installed.
3. DVD X Player
A cool program designed for anyone who's involved into DVDs. It's like most DVD players you'd find in a home, but it's got lots more features. It is supports TS format well; we recommend this program because it is an extremely attractive and powerful software DVD player.


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Northern York County Regional Police say they have the duo responsible for breaking into vending machines with bolt cutters and stealing cash. Surveillance cameras caught the robbers, a male and a female, in action in the wee hours of February 7th. It also caught the vehicle they were driving, an older green Jeep Cherokee. An alert officer spotted a green Cherokee occupied by a male and female matching the description of the robbers.
The officer stopped the Jeep on PA Avenue and identified the occupants as Steven Baker Jr, 27, of the 3300 block of Edinbridge Road in York and Lori Gorman, 28 of the 700 block of Vilger Circle in Baltimore, MD.
Baker and Gorman were taken to Central Booking to face the following charges;
- Theft by Unlawful Taking or Disposition
- Receiving Stolen Property
- Possessing Instruments of Crime
- Criminal Mischief
The investigation into these thefts continues. Anyone with information is asked to contact the Northern York County Regional Police Department at 717.292.3647 or use the crime tip reporting portion of this website.