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Have you ever watched Food Network's Throwdown with Bobby Flay? I always love it when the local wins :) Like in this episode where Bobby went to Phil's Fish Market in NorCal and Phil won with his Cioppino.
One day, Bobby… one day… I'll take you down in a Throwdown.
Meanwhile, it's been so cold lately! One day Nemo came and gave us tons of snow… so I made snow Angelina O=) Please don't mind my purple poofies and fake Uggs… Beautiful skyline though right? You can see the Empire State Building at center-left.
and how about my artistic shot of the skyline below?
Now, onto the foods. Cioppino! I feel like I have to say that in an Italian accent :)
Cioppino (serves 2-3). Recipe inspired by Bobby Flay on Food Network:
- olive oil
- 4 cloves garlic, minced
- 1 onion, chopped
- 1 cup dry white wine
- 1 cup seafood stock
- 1 can (14 oz.) petite diced tomatoes
- 1 tablespoon honey
- 1 bay leaf
- 4 springs of fresh thyme
- a few dashes of Tabasco hot sauce
- 1 teaspoon of red pepper flakes
- s+p
- 1 dozen little neck clams
- 1 pound king crab legs
- 6 pieces tiger shrimps
- parsley, chopped
- 2 tablespoons unsalted butter
- crusty bread, for dipping
Heat up olive oil in a dutch oven/heavy-bottomed pan. Add garlic and onion and cook a few minutes until softened and slightly browned, about 5 minutes. Pour in the white wine, and simmer until reduced to about 3/4 of the original volume. Add the seafood stock, tomatoes, honey, bay leaf, thyme, and hot sauce and simmer for another few minutes. Add the little neck clams and king crab legs*. Cover and steam for about 8 minutes until the clams have opened up. Throw in the shrimps and butter and let cook for another 90 seconds. Sprinkle with chopped parsley.
Enjoy with crusty bread for dipping :)
*at one point, I had to remove all the seafood and set them on the side while I seasoned and tasted the broth to perfection. You may have to do this as well unless you have a very large pot.
I hope you like my Cioppino :)
Whisking away,


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Well, as the title said, this tutorial is for complete newbies who-are-not-able-to-start-windows-without-the-manual. In fact, it is the translation/adaptation of a tutorial I previously wrote for some friends, without the "left clik on the ok button" explanations (yes, my friends are not computer geniuses, they are in fact exactly the contrary).
I hope it will help some newbies.
What is GPG:
GPG is the the GNU version of PGP which is the most known and used cryptographic software around the world (generally in order to encrypt emails and various datas or to prove that you are really who you pretend to be). It means it is free and that the source code is publicly available (a good thing for security).
The official GPG site is here.
A tutorial about cryptography principles is here.
A tutorial about some aspects of PGP is here.
Installation and use of GPG:
Download from the GPG site the latest stable version of the binaries for Windows. You'll quickly understand that it is a command line software, but don't worry. A good documentation is available here.
In brief, the most common operations you can make are:
- Create a new key pair: It's the first thing to do: create your personal key pair. The command is gpg --gen-key and the creation is performed by an interactive process which will guide you through the different steps (the choice of algorithms, key sizes, passwords and so on. Read the tutorials previously linked in order to understand everything).
- Encrypt a message: The command is gpg -e identification.of.the.public.key [message]. The "identification.of.the.public.key" is in fact something particular related to the public key you want to use like a part of the name or the email adress. And the "[message]" is the file you want to encrypt.
- Decrypt a message: The command is gpg [-d] [message]. Simply.
- Sign a message: Can be done in several ways. The most commons are gpg -s [message] to sign and compress, gpg --clearsign [message] to simply sign, and gpg -b [message] to create a detached signature from the file.
- Verify the signature of a message: The command is gpg --verify [message] or gpg --verify [[sigfile] [signed-files]] if the signature is detached from the file.
Please note that those commands are exactly the same for other OSs versions and that if you have any problem or if you forget the syntax, the gpg --help command is your friend.
Installation and use of WinPT:
As you are too lazy or afraid to use a command line interface, you'll quickly ask the horrible question: "Euh, and where are the windows?". My second answer will be to go on the WinPT web site (my first will be "arg!"). WinPT (Windows Private Tray) is a graphical GUI for GPG on Windows. You can find on its site several packages to install it (with or without GPG included in the package, in .exe or .zip ...), choose a stable version and install it. You can, in theory, make all the GPG operations via the WinPT windows. In fact, this software is buggy as hell. That's why its better use is via the following hotkeys (by default):
encrypt the clipboard: ctrl+alt+e
decrypt/verify the clipboard: ctrl+alt+d
sign the clipboard: ctrl+alt+s
sign and encrypt the clipboard: ctrl+alt+b
encrypt the active window: alt+shift+e
decrypt/verify the active window: alt+shift+d
sign the active window: alt+shift+s
sign and encrypt the active window: alt+shift+b
It will probably make your life with GPG easier. So, learn at least those hotkeys.
I hope it will help some newbies to discover and to install GPG.
If you have comments or if you find an error, don't hesitate to post or to pm me.
That's all folks. Have a nice day.

subset: commoncrawl


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Relying on a biomechanical engineering consultant that uses crash-test dummies, prosecutors said they debunked a former Monroe County pastor's story about how his first wife died.
Relying on a biomechanical engineering consultant that uses crash-test dummies, prosecutors said they debunked a former Monroe County pastor's story about how his first wife died.
Already facing charges in the death of his second wife in Monroe County, former Jackson Township pastor Arthur Schirmer this morning faces homicide charges in the death of his first wife in Lebanon County, authorities announced.
Lebanon authorities alluded to Schirmer's financial difficulties and marital infidelities as possible motives in the death of his first wife in 1999.
Schirmer had told officials that his first wife, Jewel, had fallen down a flight of stairs. However, Lebanon County District Attorney David Arnold said that the results of a biomechanical engineering firm's test showed that it was not possible for her to sustain such fatal injuries in a fall.
Arnold said it was charges in Monroe County that sparked the reinvestigation of Jewel Schirmer's death.
The Monroe County District Attorney's Office issued the following statement:
"We are pleased with the decision of the Lebanon County District Attorney's Office to act upon the presentment of its Investigative Grand Jury and charge the defendant, Arthur Schirmer with the murder of his first wife, Jewel Schirmer, in 1999.
"When our investigators first began to investigate the death of the defendant's second wife, Betty Schirmer, they early on, contacted the authorities in Lebanon County. Much of the information and evidence gathered as a result of the initial death investigation of Jewel Schirmer proved invaluable to our investigation into Betty's death and the decision to charge the defendant with Betty's murder. We strongly believed that it would only be a matter of time for the Lebanon County investigation to be reopened and the defendant to be charged for the murder of Jewel Schirmer."
Jewel Schirmer was the first wife of former Reeders United Methodist Church pastor Arthur Schirmer, who is charged in the 2008 death of his second wife in Monroe County.
Arthur Schirmer was pastor of Bethany United Methodist Church in Lebanon in 1999.
He said that, on April 23 that year, he returned home from being out and found his then-wife of 30 years, Jewel Schirmer, 50, lying at the bottom of stairs in their Lebanon home, according to police. She was bleeding from the head.
She died the next day in Hershey Medical Center in Dauphin County.
Patty Garber, Dauphin County chief deputy coroner at the time, found evidence of Jewel Schirmer having suffered a heart attack at the time of the fall, said John Leahy, chief detective in the Lebanon County District Attorney's Office.
Forensic pathologist Wayne Ross' autopsy found evidence of a traumatic brain injury consistent with a fall down steps or contact with a blunt object. Ross ruled the manner of death as "undetermined," not having seen Garber's report at the time, Leahy said.
In 2008, Arthur Schirmer was married to the former Betty Jean Shertzer and was pastor at the Jackson Township church.
Schirmer said Betty Jean awoke on the morning of July 15 that year, complaining of jaw pain. He said he was driving her to Pocono Medical Center, heading north on Route 715 toward Interstate 80 in Pocono Township.
Schirmer said Betty Jean was uncomfortable in the passenger seat and that she removed her seat belt to get into a more comfortable position. He said a deer darted into the road at that moment and that he swerved to avoid it, crashing into the guide rail.
He said Betty Jean, who hadn't yet put her seat belt back on, hit her head against the windshield. She died from the head injury the next day at Lehigh Valley Hospital.
More than three months later, in late October 2008, church member Joseph Musante, 50, of Reeders, committed suicide in the church. Police learned Schirmer had been involved in an affair with Musante's wife, a church employee at the time, and that Schirmer's previous wife had died under questionable circumstances.
Police took another look at the crash that led to Betty Jean Schirmer's death and, finding information that contradicted what Schirmer had initially told them, charged him in September 2010.
That's when Lebanon County authorities decided to take another look at Jewel Schirmer's death. This past January, Dauphin County Chief Deputy Coroner Lisa Potteiger amended the manner of Jewel's death to "homicide."
It remains to be seen if Arthur Schirmer will be charged in Jewel's death. He remains in pretrial detention without bail in Monroe County Correctional Facility, awaiting his January trial in Betty Jean's death.


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WASHINGTON (Reuters) - Republicans in the House of Representatives will demand a one-year delay of full implementation of the 2010 healthcare law known as Obamacare in its opening offer to increase the U.S. debt limit, their leaders announced on Thursday.
Following a private strategy meeting, Republican leaders said they would also demand new spending cuts and other initiatives in exchange for an increase in the debt limit, now expected to be reached sometime next month.
(Reporting by Richard Cowan and Rachel Younglai; Editing by Xavier Briand)


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Join the WNST crew as we we take our first-ever Baltimore baseball playoff roadtrip to New York to see the Birds battle the Pinstripers in The Bronx on Thursday, Oct. 11, 2012.
THIS IS FOR GAME 4!!! If the game is NOT played, we will issue full refunds!!!
WNST has been in existence since 1998. We've taken more than 11,000 Baltimore sports fans on roadtrips over the years and we've NEVER taken a playoff October on-the-road-to-the-Series trip until now!
We're very excited about the opportunity to see meaningful baseball at Yankee Stadium in the fall!
Our WNST orange charter bus will depart White Marsh Mall seven (7) hours before game time to ensure that we arrive in time to savor the rare opportunity. We'll provide transportation to and from The Bronx.
Our trip will return 45 minutes after the last out and we should be back in Baltimore three hours later.
WNST Miller Lite Orange Playoff Trip with "Crabs & Beer" To The Bronx includes:
Roundtrip motorcoach transportation provided by Gunther Motorcoach
One outfield seat to THURSDAY, OCT. 11th — GAME 4 if necessary
A limited supply of Miller Lite, soda and light snacks
Classic baseball videos to enjoy all of the October memories
Fun & games on the bus with prizes and trivia
A full two-hour pre-game tailgate with legendary, softball-sized Box Hill crab cakes, salads and all the trimmings.
COMPLETE TRIP (w/upper deck reserved game ticket): $215.70
BUS TRIP ONLY (ride, food, beer, NO GAME TICKET): $115.70


text: UPDATED: $30,000 needed to repair damaged tombstones at Nashua cemetery By BENJAMIN KLEINUnion Leader Correspondent March 25. 2013 11:14AM Nashua police photos show some of the damage at the Woodlawn Cemetery. NASHUA— Nashua police are asking for the public's help in identifying who toppled, and in some cases smashed, 86 tombstones at the historic Woodlawn Cemetery over a period of at least two nights. Tombstones as old as 200 years lay broken and split on the ground along with newer stones. In the wake of the vandalism, cemetery staff have worked to inform family members about the damage. Police were first told by officials from Woodlawn that 82 gravestones had been damaged on March 14, and then received another call on the 15th that four more had been vandalized. Len Fournier, cemetery superintendent, estimated it would take $30,000 to repair the damage. "That is just a guess though. I can't even begin to guess how much it will cost," Fournier said. Fournier said that based on the size and weight of many of the stones, multiple people took part in the vandalism. He added that while many stones can be fixed, the older stones, called tablets due to how thin they are, might not be able to be repaired. In response to the destruction, police increased night patrols in the area and the areas of other city cemeteries in an effort to catch the culprits or at least deter them from doing any more damage. Lt. Mike Moushegian of the Nashua Police Department refused to speculate on why the damage was done and by whom, but did say that once caught, the vandals will probably be charged with a felony. Moushegian said those responsible would probably be charged with criminal mischief. He said a prosecutor might also have the option of instead charging the vandals with a felony for destruction of objects of sentimental value. "But that's up to the prosecutor to decide, just like it is up to the prosecutor to decide if there are charges for each individual gravestone or not," Moushegian said. Due to the fact that the gravestones were vandalized during the course of at least two nights, police are hopeful that someone in the area saw something that could lead to a break in the case. "It's hard to say what the motivation was. It's not unheard of that this kind of thing happens on successive nights, but it highlights the fact that the public had an opportunity to see something," Moushegian said. Fournier though said that might not be the case, as the destruction was focused on areas of the cemetery that are the most difficult to see from the road. He added that he expects the cost to repair the damage will probably come out of his annual budget. Open to persons of all faiths, Woodlawn Cemetery was enacted and named by the state Legislature in 1895, although it has a history that precedes that date. Open year round, the main gate on Kinsley Street stays open to allow after-hour visitation. Police ask anyone with information about the incident to call the department at 594-3500 or report it anonymously by using the Crime Line at 589-1665. Crime, law and justice Nashua


text: You can go over $100,000 in debt for the so called "Tier 1" degree or you can graduate debt free and still have wonderful opportunities- maybe better ones than the "Tier 1" grad pending on your class ranking. The real key is to do well, whether you're at Harvard or Cooley. Don't let an arbitrary ranking control where you will spend that next 3 years of your life.


text:
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The Asian Studies Program is a once-in-a-lifetime adventure as students travel to countries across the globe. This program begins in May in Japan with a stop in Tokyo. Then students spend a couple of weeks living with a Japanese host family while attending classes at Ibaraki Christian University. The program continues in China with its famous silk markets, Terra Cotta Warriors, the Great Wall, Tiananmen Square and the Forbidden City.
Sample Itinerary*
Note: The schedule includes classes, lectures and required sites at each location.
Week 1 - Orientation on OC campus then touring in Japan
Week 2 - Homestays in Japan
Week 3 - Homestays in Japan
Week 4 - Homestays in Japan and then to Xi'an, China (or back to US for Japan only tour)
Week 5 - Xi'an, China
Week 6 - Beijing, China and then HOME!
* Please note - This is a sample itinerary ONLY. The schedule cannot be guaranteed and is subject to change.


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This summer, ESA's astronaut candidates have been splashing about at the pool - but not just for fun. They've been involved in 'extravehicular activity (EVA) pre-familiarisation', a vital part of astronaut training.
The six trainees had their first EVA course in June, in the Neutral Buoyancy Laboratory at the European Astronaut Centre, in Cologne, Germany. This laboratory features a huge water tank, where spacewalks can be practiced in 'neutral buoyancy', similar to 'weightlessness'. The uplift of the water offsets the pull of gravity, so the astronauts, wearing spacesuits modified for underwater operations, can train in near-real conditions.
Assisted by divers and mission controllers, the astronauts learn basic spacewalking concepts and skills, such as tethering to the International Space Station, the use of special EVA tools, communicating with an EVA crewmate and with the control room, and how to keep full situational awareness in a complex and challenging environment.
Please follow SpaceRef on Twitter and Like us on Facebook.


text:
One of the dating services for meeting local people is Viola speed dating. Based on a series of short planned introductions Viola speed dating allow singles to quickly meet people face to face in a safe and fun environment. Imagine meeting people online in a similar fashion through matchmaker.com'sinnovative new Cupid feature which emails you introductions of singles in the Viola speed dating area without ever having to leave your home.
ViolaJoin Now Free!
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1 2 3 4 5 6 7 8 9 10 11 12 13 14 15
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Senior Dating | Catholic Dating | Christian Dating | Muslim Dating
Black Singles | Asian Singles | Latin Dating
Meet people from all different backgrounds and lifestyles around the world or someone in the local Viola neighborhood at matchmaker.com. There are thousands of singles from the around the world looking for a long term relationship. Find love and romance with a Viola speed dating style of matchmaking.


text:
- Your selections:
Database Results for Your Selections
Results 1 - 4 of 4
THOMAS is the Library of Congress' portal to U.S. legislative information and includes access to bills, resolutions, the Congressional Record, schedules, treaties, presidential nominations and committee information.For help using this resource, contact Chris Palazzolo, Political Science and International Documents Librarian.Expand
Subjects: African American Studies, Government Information
Times Literary Supplement Historical Archive
The TLS Historical Archive is the improved, expanded edition of the TLS Centenary Archive. The new edition enables users to full-text search more than one hundred years of the Times Literary Supplement, allowing them to trace the views of influential opinion makers, such as T.S.Expand
Eliot, Virginia Woolf, A.N. Wilson, and Christopher Hitchins, and see the responses of their contemporaries.
Subjects: African American Studies, African Studies Sub-Saharan, Archives and Primary Sources, Area Studies, Art and Architecture, Business, Classics, Education, English and American Literature, History Modern 1800-, History US, History World, Journalism, Multidisciplinary Databases, Music, News Sources, Philosophy, Religion, Science and Technology, Sociology
Trans-Atlantic Slave Trade
Contains records of 27,233 trans-Atlantic slave ship voyages made between 1595 and 1866. Format allows users to track information by time period and geographic region, and includes interactive maps that allow viewers to chart the trans-Atlantic connections.Expand
The accompanying data contains materials about people on board, owners and captains, ships' characteristics, and the geographic trajectory of each voyage.
Subjects: Archives and Primary Sources, African American Studies, African Studies Sub-Saharan, History US, Latin American and Caribbean Studies
Twentieth-Century African American Poetry
A digital collection of poetry written by important African American poets of the twentieth century. Includes over 6,000 poems.Expand
Subjects: African American Studies, English and American Literature, Ethnic Studies, Multidisciplinary Databases


text:
One of the dating services for meeting local people is Marion speed dating. Based on a series of short planned introductions Marion speed dating allow singles to quickly meet people face to face in a safe and fun environment. Imagine meeting people online in a similar fashion through matchmaker.com'sinnovative new Cupid feature which emails you introductions of singles in the Marion speed dating area without ever having to leave your home.
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More Marion Links:
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Black Singles | Asian Singles | Latin Dating
Meet people from all different backgrounds and lifestyles around the world or someone in the local Marion neighborhood at matchmaker.com. There are thousands of singles from the around the world looking for a long term relationship. Find love and romance with a Marion speed dating style of matchmaking.


text:
Account: Login/Register >
Elizabeth Arden Beautiful Colour Luminous Lip Gloss - Latte
Beautiful Color Luminous Lip Gloss has a silky-smooth texture that imparts rich colour and lustrous shine on the lips, with a subtle vanilla scent. Infused with conditioning and hydrating ingredients, this non-sticky gloss soothes and comforts lips like a balm. Maxi-LipTM is clinically proven to increase the appearance of lip volume by 40%, reduce the appearance of furrows by 30% and increase moisture by 60%. A soft tip paddle applicator deposits the perfect amount of gloss and a built-in mirror allows for convenient on-the-go application.
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text:
Roy Williams hopes to stay around until the end of today�s game at Florida State.
The North Carolina coach made a much-debated decision last year when the Tar Heels were on the wrong end of an Atlantic Coast Conference pummeling.
With 14.2 seconds remaining and the crowd ready to pour onto the court to celebrate what became a 90-57 upset of the then-No. 3 Tar Heels, Williams shook hands with Florida State coach Leonard Hamilton and ordered his team to the locker room.
Williams said he has �zero regrets� about taking his team � or at least most of the group � off the court and into what he considered a safe haven.
�It was ugly and some people could have gotten hurt,� Williams said.
Yet it wasn�t that easy, particularly with the backlash that ensued. Before that, though, unbeknownst to Williams was the fact that five walk-ons and director of basketball operations Joe Holladay had remained at the court as the game was completed.
That wasn�t part of Williams� plan when he departed. He wanted the entire entourage with him.
This week, Williams was able to offer a light comment while acknowledging that he received criticism from some corners for the decision.
�One of the walk-ons (came to me and said), �We thought we could take any shot we wanted to,� � Williams said of the time when the coach wasn�t watching.
That was about the only chuckle that the Tar Heels could find in that experience.
While Williams said there has been a calculated response from his coaching staff to losses this season, the debacle last January in Tallahassee, Fla., was mind-bogging.
�There was no sense in that one,� Williams said.
North Carolina recovered from that and won the ACC regular-season title last season. Florida State, though, captured its first ACC Tournament crown a couple of months later, defeating North Carolina again in the title game.
The Tar Heels return to Tallahassee for this afternoon�s game trying to avoid the second 0-3 ACC start in the program�s history.
The memory of the debacle exists.
�I remember Coach writing �33� on the board,� junior guard Reggie Bullock said. �They beat us by 33 points. We shouldn�t say any more about it. We should just go out and play.�
This season has been filled with fluctuating results for the Seminoles, too. They bumbled through their non-conference schedule, but they�ve responded well during the past week in the conference.
�I guess you might say our backs are against the wall a little bit,� Hamilton said. �We�re going to have to do something exceptional. If we�re going to keep our postseason opportunities alive, we�re going to have to do something unusual, unexpected.�
Florida State is 2-0 in ACC play, but there�s still work to be done to replenish the early disappointments. Another outcome like during last year�s visit from the Tar Heels would be another tonic.
�I�m sure we have plenty of time to overcome our inadequacies,� Hamilton said.
Who: North Carolina (10-5, 0-2) at Florida State (10-5, 2-0)
When: 2 p.m. today (ESPN)
Where: Tucker Center, Tallahassee, Fla.
Series: North Carolina leads 42-12


text:
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|2001, J.D., University of Texas, TX, with honors; 1995, B.A., University of Maryland, MD, cum laude.
View text provided by Columbia Books
Feel free to distribute or cite this material, but please credit the Center for Responsive Politics. For permission to reprint for commercial uses, such as textbooks, contact the Center: firstname.lastname@example.com


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Now's a good time for small businesses to renew their relationship with banks, or start one, small-business advocates say. They cite several reasons why:
1. The economy, while still weak with stubbornly high unemployment, is beginning to gain traction, key indicators show. The U.S. Federal Reserve, the country's central bank, recently raised its own forecasts, predicting the economy would grow 3.4 percent to 3.9 percent this year.
2. Big banks have begun to live up to their December 2009 promise to President Obama to take "extraordinary" steps to revive lending to small businesses. The promise was made at a White House meeting with top executives from the nation's 12 biggest banks — American Express, Bank of America, Bank of New York Mellon, Capital
One, Citigroup, Goldman Sachs, JPMorgan Chase, Morgan Stanley, PNC Financial, State Street Bank, U.S. Bancorp and Wells Fargo.
"America's banks received extraordinary assistance from American taxpayers to rebuild their industry," President Obama said. "Now that they're back on their feet, we expect an extraordinary commitment from them to help rebuild our economy," Obama said at the time, adding, "Ultimately, in this country we rise and fall together; banks and small businesses, consumers and large corporations."
Collectively, the banks promised to take second looks at loans they had denied over the previous year. Some went further individually. Bank of America, for example, said immediately that it would increase lending to small and midsize businesses by $5 billion in 2010 over what it lent to them in 2009.
3. Money is beginning to flow from the $30 billion Small Business Lending Fund, which was enacted into law as part of the Small Business Jobs Act of 2010. The fund encourages lending to small businesses by providing capital to qualified community banks with assets of less than $10 billion. Small businesses rely on community banks and several of these banks have already applied to the fund, according to Independent Community Bankers of America.
4. In January, the White House launched a national campaign, dubbed "Startup America," to promote entrepreneurship and private-sector investment in startups and small businesses. The initiative includes proposals to permanently eliminate capital gains taxes on key investments in small businesses, expand the New Markets Tax Credit to encourage investment in businesses operating in lower-income communities and direct $2 billion in Small Business Administration guarantee authority over the next five years.
5. Banks are looking for borrowers, according to the American Bankers Association, "Despite many headwinds, such as 116,000 business failures, 8.3 million jobs lost and 15 percent reduction in business inventories over the past two years, banks are prudently seeking borrowers," the association said in a Jan. 11 statement titled "Banks and the Economy." In fact, the association added, "taking into account reserves set aside for losses and the natural repayment of loans each year, banks initiated roughly $1.7 trillion in new lending over the 12 months ending September 2010."
None of this means small businesses will have an easy ride to credit. As recently as January, Independent Community Bankers of America expressed "deep and ongoing concerns about the difficult capital and lending environment" for small businesses. "Access to capital continues to be a major concern for America's small-business entrepreneurs. Tax policy uncertainty and a more oppressive regulatory environment have made it even more difficult to fund private-sector projects," the group said in a Jan. 20 letter to U.S. senators.
Community bankers have repeatedly warned against overregulation, saying that while new rules are meant to curtail the risky practices that triggered the recent financial crisis, they would negatively impact community banks' viability and lending, even though community banks did not engage in those practices.
In testimony on Capitol Hill last year, Cathleen H. Nash, president and CEO of Citizens Republic Bankcorp and a member of the board of directors of the Consumer Bankers Association, said, "Good borrowers, who have the willingness and capacity to repay, will always find a loan. Those borrowers with weaker financials will find it more difficult to meet the credit requirements of their bank."
For all of the five reasons cited above, now's as good a time as any for both kinds of borrowers to get close to lenders.
Where to Go for Interest Rate and Bank Fee Information
Source: New York State Banking Department


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What's a die-hard indexer to do in 2013 with the portion of his principal devoted to speculative picks?
I don't usually get into forecasting markets, but when CNBC asked me on to give five ETF picks for 2013, I couldn't resist.
For the most part, I am one of the most boring investors I know. My core portfolio is completely indexed, built around the concepts of massive diversification and extraordinarily low costs.
It's similar—although not identical—to the World's Cheapest ETF Portfolio, which offers exposure to global equities, bonds and commodities for a blended expense ratio of less than 10 basis points per year, or $10 for every $10,000 invested.
But like many core investors, I reserve a small portion of my portfolio—up to 10 percent—for speculation. I sometimes invest this in single stocks, and sometimes in ETFs. I often sit on cash when I have no good ideas.
But my appearance on CNBC got me thinking: Where should investors put new money to work in 2013? I came up with five ideas, and in the end, invested in one. Here they are:
1) WisdomTree Japan Hedged Equity ETF (NYSEArca: DXJ)
AUM: $1.22 Billion
Expense Ratio: 0.48 Percent
This one is easy. Shinzo Abe and the new leadership in Japan are committed to printing "unlimited quantities" of yen to drive down the currency and try to end Japan's deflationary spiral. While other Japanese administrations have promised aggressive quantitative easing in the past, the language and level of commitment associated with this push seems qualitatively different. The Wall Street Journal and others have called "short yen" the "trade of the year" among hedge funds.
A falling yen will boost Japanese exporters and should spark a run-up in risk assets, including stocks. The problem with buying a traditional Japanese equity ETF like the iShares MSCI Japan ETF (NYSEArca: EWJ) is that any increase in equity prices could be offset by the impact of a falling currency. DXJ hedges out that currency exposure, leaving you with pure exposure to domestic equity prices. It even goes one step further, using a weighting system that emphasizes exporters, who stand to benefit from the falling yen.
I'm not alone in liking DXJ: It pulled in $505 million in new assets in December alone, and has beaten the pants off of EWJ over the past month.
2) Market Vectors Emerging Markets Local Currency Bond ETF (NYSEArca: EMLC)
AUM: $1.21 Billion
Expense Ratio: 0.47 Percent
Like DXJ, this one seems a bit of a no-brainer. Compared with developed-markets debt, EMLC and other emerging-market-debt ETFs give you exposure to better balance sheets, higher growth and better yields. EMLC has a 30-day SEC yield of 4.80 percent, compared with just 1.61 percent for the iShares Core Total U.S. Bond Market ETF (NYSEArca: AGG). When you combine that with the fact that most investors have zero or near-zero exposure to international debt, EMLC seems like a strong candidate.
What's holding it back? The fund has underperformed lately compared to dollar-denominated emerging market debt because the dollar has been on a tear. The debate between funds like EMLC and dollar-denominated products is legitimate. But personally, I'll take on the currency risk for the added diversification benefit.


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text: A suburban family man inadvertently opens up a Pandora's Box of dysfunction, treachery, and murder while attempting to grow the perfect lawn, and run a family of raccoons off his property. Jeff (Tobey Maguire) and Nealy Lang (Elizabeth Banks) have an ideal marriage; they've just celebrated their 10th anniversary, they've got a spacious house in a nice neighborhood, and a newborn son to make their family complete. But Jeff has lost the ability to love his wife, and he's desperate to regain the spark that's made their marriage work for the past decade. His inner malaise growing deeper by the day, Jeff diverts his attention to nurturing a lawn that will be the envy of all his neighbors. One problem leads to another, however, when Jeff begins an obsessive mission to rid his yard of some unusually persistent raccoons, and has an unsettling encounter with his reclusive, feline-hoarding neighbor. Before Jeff knows it, a simple pest control problem has snowballed into a full-blown existential crisis involving bows and arrows, extortion, and multiple extramarital affairs.


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JAMES CITY — Today's menu: Veggie burritos.
Today's chefs: Members of the Toano Middle School cooking club, and they were eager to dig in.
"Kids are really into cooking now, with HGTV, the Food Network, cooking shows, 'Top Chef,'" cafeteria manager Donna Altizer said.
Williamsburg-James City County schools in recent years have launched after-school "Challenge Clubs," such as cooking clubs, as part of its School Health Initiative Program, or SHIP for short.
SHIP, with funding from the Williamsburg Community Health Foundation, aims to combat childhood obesity and improve health and wellness by promoting healthy eating and physical activity. Other challenge clubs have included running, basketball, volleyball, dance, martial arts and yoga.
Cooking clubs are open to all students, but in some cases physical education teachers, counselors and teachers identify students who would be good candidates, said Pam Dannon, a registered dietitian.
One day last week, the club broke into two groups. One headed to the kitchen; the other played nutrition-oriented games until it was their turn to make snacks.
In the kitchen, cafeteria worker Jo Smith showed them how to chop green onions. Then came romaine lettuce.
"I'm going to show you all how to shred lettuce," Smith said, as the kids eagerly watched.
After they chopped tomatoes, the kids slathered refried beans onto tortillas.
"It smells so good I could eat it right now," said sixth-grader Kelly Wzorek, 12.
Beside her, Khalil Spratley, 14, meticulously sprinkled cheese on his refried bean-buried burrito.
"They love to cook," Smith said. "They don't get to do this too much at home, I think. They're learning things they can do at home."
After the kids piled on toppings, Smith and Altizer showed them how to roll the burritos up.
"Tuck the sides in and roll it up," Altizer instructed.
It wasn't like burritos Khalil had eaten before.
"I had it from Taco Bell, but it wasn't like this," the eighth-grader said between bites. "It is amazing."
The cooking clubs meet once a week for about seven or eight weeks. At the end, the Toano club will break into teams and prepare an entrée for a panel of judges. Entrées include barbecue chicken pizza, veggie burgers and meatballs in "Strange Sauce" — a sauce made from ketchup and grape jelly.
"I think it's a really good, teachable moment," Dannon said. "So much of the snacks they get at home are out of a box. Lunchables does not a snack make."
Kids seem to be able to identify the vegetables they cook with, Altizer said. "They just don't know what to do with them."
They also don't know about healthy portion sizes. "They always want more, especially of the stuff they shouldn't have," she said.
She loves hearing the kids report back to her when they try to make recipes at home.
"I try to," Khalil said, "but they don't come out like they do here."


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Our medical care facility offers treatments from the best doctors in the field of Dentist . Our goal is to offer our patients, and all our community the most affordable, trustworthy and p......more
Our medical care facility offers treatments from the best doctors in the field of Dentist . Our goal is to offer our patients, and all our community the most affordable, trustworthy and professional service to ensure your best health.
More about Sadguru Multispeciality Dental clinic
Sadguru Multispeciality Dental clinic is known for housing experienced Dentists. Dr. Shikha Shukla, a well-reputed Dentist, practices in Mumbai. Visit this medical health centre for Dentists recommended by 59 patients.
#5, Everest Co Op Society, Opposite Bmc School, Next To Jb Khot School, Dattapada, Borivali East, Mumbai
Borivali East Mumbai, Maharashtra - 400066
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Health Query
Sir I was brushing my teeth today morning and after tongue cleaning. Than I was found blood in my speeding, what is symptoms that.
Health Query
I have suffering since three year by jaw pain due to wisdom tooth there is no enough space in while eating cheek stuck create hard mass lesion in lower extreme back of tooth regarding this I have met a dentist but they said due due to wisdom tooth there no space thats why your cheek stuck then he cut the upper part of wisdom tooth that to I am nit getting any solution.
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Is there any product in the market that can whiten my teeth. Actually my teeth are yellow. I brush twice a day but still they are yellow. Kindly suggest.
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Hi doctor Lower incisors are so sensitive. I have a sensation of teeth pulling downwards and the sensitivity is there since a month. I am using sensodine tooth paste by still the problem persists. What would be the reason.
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I want to starting my teeth, please share about starting cost & it's time period to recover my teeth.
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Hi Lybrate Team, I need suggestion for teeth, when I am taking cold water or ice creams my side teeth pain starting and ,yellow color coating covering my teeth. I need your valuable suggestions for teeth 1.strong 2.cold items having time problem 3.yellow color coating removal (Moss)
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Gum diseases can be treated and reversed in their initial stages very easily. By getting the accumulated tartar and plaque removed by a dentist, there is a chance that they can get better without much ado.
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I am suffering from Bad breath when ever I sneeze very bad smell surrounds all the room This problem from few days. Please suggest me how to recover from this.
Hi. Maintain your oral hygiene very well. Rinse your mouth properly after eating anything. Brush twice daily. Brushing at night time before going to bed is a must. Visit a dentist for Scaling/ Cleaning every 6-12 months. Do Saline Warm water rinses. Use a mouth wash Occassionally.
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text:
Category archives for ostrich
A few days ago we brought you the astonishingly ugly baby cockatiel. On the other, tastier side of the spectrum, we have this hardboiled ostrich egg and a massive deviled ostrich egg. Again, brought to you by our friends in New Mexico. photo courtesy of Pat Deering photo courtesy of Tom Deering


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Charlize Theron: HRC Los Angeles Gala!
Charlize Theron looks gorgeous as she arrives at the Human Rights Campaign Los Angeles Gala on Saturday (March 17) at the Ritz Carlton/JW Marriott at LA Live in Los Angeles.
The 36-year-old actress and new mother was awarded with the Ally for Equality Award at the gala, which was hosted by Chelsea Handler.
Earlier in the day, Charlize attended the WonderCon 2012 event, where she participated on panels for her two upcoming flicks Prometheus and Snow White and the Huntsman.
FYI: Charlize is wearing an Acne black dress and carrying a Tom Ford clutch.
10+ pictures inside of Charlize Theron at the HRC Gala…


text:
Graduate Catalog
2014 – 2015
Office of Graduate Studies
McKelvie Hall, 102 W. Rosedale Avenue
West Chester University
West Chester, PA 19383
Phone: 610-436-2943
Fax: 610-436-2763
Revised October 2014
535 Main Hall
West Chester University
West Chester, PA 19383
Dr. Mader, Director
565 Psychology of Women (3) Develops a scientific and rational understanding of the behavior and experience of women.
502 Special Topics (3) In-depth study of selected topics in women's studies not included under existing, regularly offered courses.
533 Woman Executive: Research Seminar (3) A seminar that requires each student to complete an original project on the goals, problems, choices, or successes of women in middle- or upper-level management positions. The use of case studies, surveys, oral history, and other research techniques will be explored. An appropriate internship may be substituted for this course.
539 Independent Study (3) A project to be developed independently by the student working with a specific instructor. This course may be taken again for credit.


text:
CTL-ML-1003-25 Somebody really liked this page, or maybe you mis-typed the URL.
Unfortunately it looks like someone really liked this page, and tore it out. But don't worry, there a lot of pages you can still see. Here is a little map to help you out:
The dates below represent the closing schedules for the next several weeks.
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Questions? Contact us for advice or more details. Our product specialists are here to help.1-877-718-CLASSY (2527) OR Call Me


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Howdy, folks! My name is Jess Haines, and I'm the author of the new urban fantasy, HUNTED BY THE OTHERS. I'd like to thank Roxanne for having me here as a guest poster. Today we're going to explore the pros and cons of having a supernatural BFF (Best Friend Forever – note that in some cases, forever might be literal).
Depending on the flavor of supernatural, there can be some amazing benefits to having one by your side. On the other hand, they might lust after your flesh, and not in the way you want. To help you choose what form of supernatural would make a good BFF, here's a short and handy checklist to use to help you make your decision.
Werewolf / Shapeshifter
· Very handy in a fight.
· Superior senses make locating those missing keys a breeze.
· Can lift heavy furniture with ease, making it a cinch to clean up otherwise inaccessible dust-bunnies and collect long-thought-lost change.
· Legendary tempers.
· Might attempt to eat you.
· Furry-factor is often contagious. See above points for why this is a problem.
· Protective of perceived property (up to and including of the human variety).
· Often attractive and intelligent.
· Your friends will be jealous if one allows you to hang on his/her arm.
· Immortal. Can share immortality, if so inclined.
· Protective of perceived property (up to and including of the human variety).
· Wants to drink your blood.
· Some (fatal) allergies; includes sunlight, holy/blessed objects, garlic. Forget Italian food and suntans. More rarely, can be allergic to silver, running water. Strongly susceptible to fire.
· Broody, moody, and occasionally harps upon (and/or brags about) the fact that they are immortal.
· Usually doesn't take "no" for an answer.
Wizard, Mage or Sorcerer
· Phenomenal cosmic power.
· Requires neither lighters nor matches to start that perfect summer bonfire. Break out the s'mores!
· Very wise and learned in the arcane arts. An excellent go-to source when Wikipedia doesn't have enough information on the mating habits of fairies.
· Knows more than you do, and isn't afraid to tell you so.
· May resort to forms of hypnotism to make you clean their dirty socks and underwear.
· Occasionally deals with demons or planar beings, resulting in unfortunate and sometimes fatal accidents.
· Tenacious.
· Requires little to no upkeep.
· Tenacious.
· Wants to eat your brains.
· Depending on age, fragrance may be hard to ignore.
· Will never be caught by surprise.
· Good at predicting the actions of others.
· Knows exactly what you're thinking about them. Yes, that.
· Has a direct line to The Big Guy Upstairs.
· Achingly beautiful and often gifted with many supernatural talents.
· Will always do the right thing.
· Has a direct line to The Big Guy Upstairs.
· Distressingly straight-laced.
· Can't attend poker night.
· Will always do the right thing.
Demon (in human guise)
· Has a direct line to The Big Guy Downstairs.
· Deliciously wicked, delightfully charming, and charismatic.
· Great at parties; a social butterfly.
· Smokin' hot in bed.
· Doesn't really look like that.
· Has a direct line to The Big Guy Downstairs.
· Will not hesitate to kill or maim you if you get in his/her way.
· Is most likely using you and/or attempting to steal your soul.
· Lovely, talented, great taste in clothes.
· Good at illusion; excellent to have along at social occasions for party tricks.
· Will happily trick you into giving up your most prized possession while inadvertently destroying everything you love in the process.
· Can perform various feats of magic based upon nature (earth, fire, water, etc). Very handy for lighting cigarettes when you can't find your lighter or providing that perfectly chilled glass of water on a hot summer day.
· Power grows exponentially when fed fuel for said element.
· Does not play well with other elementals.
· Often cannot survive outside of own element.
· Insatiable appetites.
· No regard for property damage or human life.
· One of the most lovely and coveted of all supernatural creatures.
· Renowned for healing gifts; occasionally has other supernatural powers.
· If you're not a virgin, forget it.
· Can't be tamed.
· Capturing one is about as likely as catching a fart in a windstorm.
There you have it, folks! A handy list to keep with you at all times to help you decide, should it come down to it, how to choose a supernatural BFF!
The Fine Print: This list is not all-inclusive. Some terms and conditions may not apply (see sub-heading under "sparkling vampires" for example).
If you had to choose, which supernatural BFF would you pick?
One commenter will win a copy of Hunted by the Others
Open to International Shipping
Contest Closes Tuesday May 18 Midnight EST
Winners Announced on Wednesday May 19
+5 entries for being a Fang-tastic Books Follower
+5 entries for blogging about this contest
+5 entries for including a link to this contest on your blog, twitter,or Facebook
+5 for being a @RoxanneRhoads twitter follower
Description for Hunted by the Others:
They are the Others—the vampires, mages, and werewolves once thought to exist only in our imaginations. Now they're stepping out of the shadows, and nothing in our world will ever be the same again…
In a Town Like This, Being A P.I. Can Be Murder
Shiarra Waynest's detective work was dangerous enough when her client base was strictly mortal. But ailing finances have forced her to accept a lucrative case that could save her firm—if it doesn't kill her first. Shiarra has signed on to work for a high-level mage to recover an ancient artifact owned by one of New York's most powerful vampires.
As soon as Shiarra meets sexy, mesmerizing vamp Alec Royce, she knows her assignment is even more complicated than she thought. With a clandestine anti-Other group trying to recruit her, and magi being eliminated, Shiarra needs back-up and enlists her ex-boyfriend—a werewolf whose non-furry form is disarmingly appealing—and a nerdy mage with surprising talents. But it may not be enough. In a city where the undead roam, magic rules, and even the Others aren't always what they seem, Shiarra has just become the secret weapon in a battle between good and evil—whether she likes it or not…


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Newlyweds walk separately
Last night at A Funny Thing Happened on the Way to Cure Parkinson's event in New York, both Scarlett Johansson and Ryan Reynolds showed up in support of Michael J Fox but walked the carpet separately, refusing to be photographed together publicly, like Gwyneth Paltrow and Chris Martin.
And it's a shame.
Because on their own they both looked beautiful. Together it would have been a gorgessity explosion. Ryan seems to have eased up on the foundation and the super cardio marathon training has taken away the beefcake too. Yum.
Scarlett, in white and all booby bridal, absolutely glows. Some of you have been emailing with a theory that she's pregnant. Since I don't give a sh-t, I'll leave it to you to BumpWatch the hell out of her dress.
Photos from Wenn.com and Splashnewsonline.com


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Attempting to thwart a potential move by the Gaming Commission to open the southeastern region to commercial casino developers, the Mashpee Wampanoag are demanding that commissioners disclose which lawmakers and consultants are providing them with advice.
Attempting to thwart a potential move by the Gaming Commission to open the southeastern region to commercial casino developers, the Mashpee Wampanoag are demanding that commissioners disclose which lawmakers and consultants are providing them with advice.
The Gaming Commission is in the process of soliciting feedback about opening the southern gaming region to commercial bids, a move that would negate efforts to give the Mashpee tribe exclusive casino rights in the region and create the potential for four casinos in Massachusetts, instead of three.
The commission could make a decision next Thursday, and Gov. Deval Patrick said this week there are "a lot of reasons" to wait and give the tribe more time.
Gaming Commission Chairman Stephen Crosby, at a meeting last week, said he has spoken with legislators to gauge their intent when drafting the 2011 law and sees "little appetite" for further delay. Several lawmakers from the area have expressed concern that prolonged tribal gaming talks could leave the region behind in the casino era.
Commissioner Gayle Cameron also said during the meeting that she has spoken with consultants who informed her the Secretary of Interior's decision on taking tribal land into federal trust for the Mashpee tribe is years away.
"We are now in a situation where the Massachusetts Gaming Commission seems to be substituting their own judgement as to what the landscape should look like with the number of casinos in Massachusetts," said Howard Cooper, counsel to the Mashpee Wampanoag tribe and an attorney at Todd & Weld.
Cooper wrote a letter to Crosby last Friday insisting that the commission post online the names of the lawmakers and consultants spoken with by commissioners and the information they provided so that the tribe can adequately respond.
"For the commission to be basing its decision to substitute its own judgment on unnamed sources would be really contrary to any notion of transparency," Cooper said.
Cooper said Crosby has not yet responded to his letter. A spokeswoman for the commission said it had received the letter, and the commission's legal team was reviewing it.
Gov. Deval Patrick recently reached agreement with the Mashpee Wampanoag tribe on a new gaming compact that would deliver 17 percent of the tribe's casino revenue to the state, assuming the tribe operates one of three casinos in Massachusetts and has no competition in the Southeast region.
However, the tribe would owe the state nothing if another commercial casino opened in the region, and if it eventually succeeded in getting the federal government to approve land in-trust it could open a fourth casino without state approval.
The expanded gaming law signed by Patrick in late 2011 gave the Gaming Commission the authority to solicit commercial bids in the southeast if it determined that it was unlikely the tribe would be able to get land in-trust. Mashpee Wampanoag attorneys have also raised legal questions about whether the commission can open the region to bids given the pending land application with the Interior Department.
Patrick, during a radio appearance Tuesday, called it "very frustrating" that the Interior Department rejected the first compact negotiated with the tribe in what he described as an "irritating decision" that required the administration and the tribe to renegotiate a deal.
The governor said he understood why the commission felt a sense of impatience to begin soliciting bids in the southeast given the slow pace of licensing throughout the state.
"I think what the commission is expressing is what a lot of people are feeling. When are we going to get on it?" Patrick said to WGBH hosts Jim Braude and Margery Eagan.
Patrick, however, said "the sooner the better" that the Legislature to take up the new gaming compact, and indicated a preference to allow the tribe time to pursue its land options, not wanting ultimately to see four casinos in Massachusetts.
"The saturation in the region is not good. It's not good for the state. It's not good for the competitive private facilities. There's a lot of reasons the Legislature should move this compact soon and the commission should wait, but I don't get a vote," Patrick said.


text:
The Reliance Group, founded by Dhirubhai H. Ambani , is India's largest private
sector enterprise, with businesses in the energy and materials value chain. The
flagship company, Reliance Industries Limited, is a Fortune Global 500 company and
is the largest private sector company in India.
Dhirubhai Ambani founded Reliance as a textile company and led its evolution as
a global leader in the materials and energy value chain businesses. It was in 1957
when he returned to India after a stint with A.Besse& Co., Aden he started yarn
trading business from a small 500 sq.ft. office in Masjid Bunder, Mumbai.he set
up his brand new mill in Naroda, Gujarat. In 1996 Reliance went on to become the
biggest textile brand 'Only Vimal'. In 1977 the Reliance Textile Industries came
with an IPO which was oversubscribed seven times.
CB Management Services Pvt Ltd (Formerly Choksey Bhargava & Co Ltd) , P-22,P 22 Bondel Road,,Calcutta
Over 180 million Windows threats detected in Q2 2018, says Quick Heal
Samsung set to launch A7, A9 soon; check prices, specifications
New iPhones worth the cost, says Apple CEO Tim Cook
HFCL gets Rs 611 crore order from BSNL for broadband in Madhya Pradesh
Bengaluru top location in Asia for starting tech operations, says Colliers International report
Vistara sale on flight ticket starts today: Book flight tickets for as low as Rs 999; read how to get up to 75% off
Nitin Gadkari blames banks for stalled infrastructure projects; says, need lending support
Facebook faces lawsuit for hiding job ads from women
Billionaire Kumar Mangalam Birla says hungry for more deals; scouting targets in US, Europe and India
Bank of Baroda, Dena Bank, Vijaya Bank merger stuns market; listed banks lose Rs 20,000 crore in market value
Livspace raises $70 m in round led by TPG Growth, Goldman Sachs
July numbers: Reliance Jio displaces Vodafone as 2nd largest operator by subscribers
Sebi decisions: Relief for NRIs, cut in mutual fund costs
Consent plea? ICICI Bank, Chanda Kochhar hint at settlement
RHC holdings case: Daiichi moves NCLT seeking stay on insolvency proceedings
Whopping Rs 3,463 crore! Flipkart Marketplace invests in Indian arm
Govt plans Rs 5,500-crore package for sugar sector
Disinvestment: Coal India, KIOCL to buy back shares next month
Nod for Maha discom's Rs 20,651-cr revenue gap for FY16-FY20
Govt likely to allocate 4G spectrum to BSNL, MTNL by December
Mutual fund investments to be more profitable as SEBI revises fee structure; returns to rise
Small cap stocks headed for worst year since 2011, but fund managers still need them to beat stock market
Rising petrol, diesel prices: This mobile wallet offers up to Rs 100 off; offer valid between 6-9 pm today
HDFC mutual fund share price falls 9% after SEBI caps fees, down 29% from all-time high as AMC stocks crack
Sensex recovers over 100 points on value-buying, strength in rupee, global cues
Indian rupee rebounds 27 paise against US dollar
Petrol, diesel prices remain unchanged today for first time in Delhi, Mumbai since September 12
Stocks in news today: Sun Pharma, Tata Steel, ICICI Bank, Lupin, MCX, IL&FS Transportation
Share Market Live: Sensex, Nifty turn flat after US WTI breaches $70\/barrel; rupee gains 48 paise vs dollar
Analyst corner: Prefer NTPC, 'hold' on Power Grid with revised TP at Rs 210
Cotton output likely to be hit by deficient rains
Textile, apparel exports in August up 18% at Rs 21,895 cr
National Pension System: PFRDA caps equity mutual funds investment by NPS
Sebi to soon come out with revised KYC norms for FPIs
Petrol, diesel rates: Plea in Delhi High Court to call for records on fixation of daily fuel prices
Saudi Arabia is said to be comfortable with brent oil above $80
Rupee nears 73 per dollar! INR hits new all-time low at 72.97\/USD, drops 46 paise against US dollar
Rs 6,000 cr m-cap gone! Bank of Baroda falls 16% to 2-month low after govt okays merger with Vijaya, Dena Bank
India improves: Infant mortality dips to world average; Modi's Swachh Bharat tackling common causes of death
Relax! India doing much better than other emerging economies in foreign currency debts
Pace extreme poverty reduction in South Asia faster than rest of world: World Bank
What's the brouhaha over falling rupee? JP Morgan's Jehangir Aziz busts popular belief
RBI has the means if not the will to boost rupee from record low
Relief on way for sugar Industry; Modi government mulling to double sugar subsidy to boost exports
US tariff on metals: India defers response on trade deal hopes
Auditor resignations: Govt planning review of auditing standards
Agriculture: Jaitley concerned over declining share of public investment
US-China trade war: Beijing hits back by levying tariffs on $60 billion of Washington goods
US-China trade war: Alibaba's Jack Ma says tariff friction between Beijing, Washington could last 20 years
Suresh Prabhu calls for collective action to revitalise WTO without undermining core principles
US-China trade war: Beijing threatens 'synchronised counter measures' to retaliate Donald Trump's $200 billion tariffs
Need to blend subsidy with investment to enhance agriculture sector growth, says Arun Jaitley
States set to miss 20% debt-to-GDP ratio target by FY23, says India Ratings report
Modi government set to remove long-standing trade irritants with US; to close deal in 'few weeks'
Artificial Intelligence threatens to devastate jobs in developing world
Modi government to build Alexa, Siri-like smart voice assistant in regional languages for UMANG users
Big relief to Apple! New US tariffs on Chinese imports spare Apple Watch, AirPods
Modi government again extends deadline to levy import duties on 29 US products till Nov 2


text:
LONDON (AP) — Barclays PLC, the scandal-hit British bank, is to cut 14,000 jobs this year in an attempt to streamline operations and reduce the importance of the investment banking division.
It said Thursday that further reductions will be made at the investment banking arm over the next two years, taking the total number of reductions at the bank to 19,000 by 2016.
The 325-year old bank, which is Britain's second largest by assets, is undergoing a culture change after a string of scandals, including its involvement in the rigging of the Libor interbank lending rate.
Chief Executive Officer Antony Jenkins has made restoring trust a centerpiece of his mission in reforming the bank — and the investment banking division has been one his primary targets because of the risky behavior it undertook before the 2008 financial crisis. Jenkins underscored his wish to slim down operations and pledged to make Barclays "more balanced."
"Barclays will be much less exposed to volatility in our investment bank; we will have a structurally lower cost base; and we will continue to invest for growth," he said in a statement. "We will be leaner, simpler and stronger."
The move further unravels the legacy of Bob Diamond, who expanded the investment banking arm before becoming CEO. His unapologetic attitude and colossal pay package made him the focus of much of the fury toward bankers in Britain once the scandals hit, and he was forced to resign.
Investment banking took the brunt of the job cuts, with 7,000 by 2016. Barclays said the division would account for no more than 30 percent of operations in the future — as opposed to half today.
Barclays is also creating a "bad bank" unit, which will house 90 billion pounds ($152 billion) of investment bank assets and 16 billion pounds of European retail banking assets. The hope is that the assets can be wound down or sold off eventually and to increase confidence in the overall health of Barclays.
The bank is also streamlining geographically, closing customer branches in Portugal, Spain, Italy and France, though it highlighted prospects in Africa, described as "an exciting, growing part of the world."
Investec analyst Ian Gordon said Thursday's decisions should help improve the bank's underlying performance.
"Barclays is already a low-risk, profitable bank, but today's 'reset' is about rightsizing the bank to reflect a smaller addressable (investment bank) revenue pool and to deliver improved/sustainable returns," he said.
But the stark job numbers will give British leaders pause. Barclays has faced criticism in the past for ramping up its bonus pool, even as it prepared to cut jobs.
Dominic Hook of the Unite trade union, said that times had been turbulent for the bank's workers, "who have worked hard to keep the bank on track against a backdrop of continued uncertainty and redundancies."
"The bank needs to recognize their tireless work," he said.


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LINDEN - Half of Ripon senior Michael Ysit's six carries went for touchdowns as he rushed for 160 yards and three scores to help lead the Indians to a 41-0 victory over Linden Friday night at Lion Stadium.
LINDEN - Half of Ripon senior Michael Ysit's six carries went for touchdowns as he rushed for 160 yards and three scores to help lead the Indians to a 41-0 victory over Linden Friday night at Lion Stadium.
The Indians rushed for 333 yards and sophomore quarterback Nick Price completed 5 of 7 passes for 108 yards and ran for a pair of scores in the second quarter to help break the game open for Ripon.
"Linden always plays us tough at their home," Indians coach Chris Johnson said. "Our guys played tough until the echo of the whistle tonight. Hats off to our (linemen) up front for blocking for our backs and for pushing the line of scrimmage on defense into (Linden's) backfield."
The Lions struggled to move the ball on offense to net just 50 yards and crossed midfield once late in the third quarter after recovering a fumbled punt.
Ysit capped a seven-play drive early in the first quarter with a 19-yard scamper around the right and teammate Roberto Alvarez's extra point gave the Indians a 7-0 lead.
Ripon backed the Lions up and took advantage of a short field after a punt to score from Linden's 33 on senior Michael Morris's one-yard plunge to jump ahead 14-0 early in the second.
Morris finished with 40 yards on eight carries as one of eight backs to rush in the game. Ripon teammate Bradley Clark caught two passes for 47 yards, including a 35-yarder that set up Price's first score, and Ryan Fugit hauled in two passes for 34 yards.
The Indian defense limited Linden (1-1) to just 14 yards of offense the rest of the half and Ripon's offense scored twice more on Price runs of 14 and 16 yards for a 27-0 halftime margin.
The Indians (2-0) scored 48 seconds into the third quarter on Ysit's 59-yard run sprung by a downfield block by teammate Matt Kaiser.
After Ripon's three and out, Ysit scored on the second play from 40 yards out for the final score of the game that ended under a running clock.
"(Ysit's) the kind of player you wish you had all the time," Johnson said. "He's a smart kid with football savvy with a motor that never quits."


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Jennifer Aniston, Justin Theroux, & Friends Depart Cabo
Jennifer Aniston and Justin Theroux hop out of their car as they arrive at the airport on Thursday (January 3) in Cabo San Lucas, Mexico.
The 43-year-old actress and her 41-year-old fiance were joined by their celeb pals Emily Blunt and John Krasinski to catch a flight out of town to end their vacation.
Jen and Justin have been in the tropical locale since December 23!
A new commercial featuring Jen for U.K. internet provider Sky Broadband was recently released. Check it out below!
Jennifer Aniston – Sky Broadband Commercial
15+ pictures inside of Jennifer Aniston and Justin Theroux leaving Cabo…


text: Gear Posted 04-23-2014 Gamo Outdoor USA Announces Its Participation In The 2014 NRA Annual Meeting & Exhibits. Booth #5867 RELEASE DATE April 23, 2014 CONTACT: Fedor Palacios: (954) 302-1062 firstname.lastname@example.com FORT LAUDERDALE, Fla, April 23, 2014 – Gamo® Outdoor USA (www.gamooutdoorusa.com) the leading manufacturer of high quality air guns, optics and laser designators, is pleased to announce it will be attending the 2014 NRA Annual Meeting & Exhibits industry event in Indianapolis, Indiana on April 25-27, 2014 at the Indiana Convention Center, where the international manufacturer will officially launch a number of new products and new technologies. Gamo Outdoor USA booth number is #5867, located in the main exhibition hall. NRA Annual Meeting & Exhibits is one of the nation's largest industry trade show, featuring over 500 of the most spectacular displays of firearms, shooting and hunting accessories in the world, and Gamo has been participating for many years. Gamo will unveil a number of premium, new air gun products, optics, laser designators and accessories featuring the latest state-of-the-art Gamo technologies, including the new and amazing "Turbo Stabilizing System" platform which was designed to control the aggressiveness of the firing cycle – bringing the spring to a controlled stop within the chamber - adding more velocity, decreasing vibration, thus reducing recoil. In the latest news, Gamo will be giving away gifts to all who arrive to their booth with a purchase receipt from $50 and above, dated from April 20th-27th in all the Gamo brands. There will be incredible promotions and sales in all Gamo brands that wouldn't be seen anywhere else and exclusively for 2014 NRA Annual Meeting attendees and general public that arrive to Gamo's Booth. This sales and promotions will be available to see at Gamo's Social Media Outlets (Facebook, Twitter, and YouTube). For press inquiries, please email Fedor Palacios, Marketing Communications Manager at: email@example.com To stay updated on the latest and greatest from Gamo Outdoor USA please follow us on: www.gamousa.com www.facebook.com/GamoOutdoorUSA www.twitter.com/GamoOutdoor www.youtube.com/GamoOutdoor www.pinterest.com/GamoOutdoor Gamo Outdoor USA is a leading consumer products company that designs, manufactures and markets a diverse portfolio of outdoor sporting goods products under such world class brands as GAMO®, BSA Optics®, Laser Genetics®, Aftermath®, and is the exclusive distributor of BSA Guns™ and Joker Knives®. Share This Story Related Shooting : Posted 04-08-2014 Gamo® Unveils New "Recon G2 Whisper" Youth Precision Airgun View Hunting : Posted 03-31-2014 Gamo® Squirrel Master Classic… An Instant Classic View Shooting : Posted 03-03-2014 Gamo® Launches New Whisper G2™ Air Rifle, Headlining Gamo® Outdoor USA's 2014 Product Lineup View Hunting : Posted 02-14-2014 Gamo Outdoors USA Presents the First "Squirrel Master Classic" Hunting Event View Comments


text: TriNet rolls out online campaign Published on November 19, 2012. Boulder, Colo.—TriNet Group, a human resources outsourcing service, has rolled out an online campaign with the tagline "Don't be a Terry. Use HR Insight." The campaign, developed by TDA Boulder, a creative agency based in Boulder, is designed to promote TriNet's HR Insight online service, which helps HR managers analyze resource issues. The campaign includes seven online videos and a microsite; it also features a fictitious HR manager named Terry, who mismanages common HR issues such as rewarding employees for hard work, promoting employees and implementing cost-cutting measures. The campaign budget was undisclosed. Most Popular In this article: BtoB


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Guitars, jazz and classical music, reading, drinking coffee with my friends, snuggling with my cat.
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Kurzemiete started following bartfull
swollen knees dependent edemas
bartfull replied to Lisa Purcell's topic in Celiac Disease - Related Disorders & ResearchKeep pursuing this. It's not normal and you need to get to the bottom of it ASAP. We kept goofing around with antibiotics (at my own insistence.) until it was too late. I'm not trying to scare you. It might very well be a bad infection, but mine turned out to be cancer.
icelandgirl started following bartfull
Get your affairs in order
bartfull posted a topic in Gab/Chat Room - To Discuss Anything BUT Celiac Disease / Gluten-Free DietHmm...my affairs in order. OK. Alan on Sunday, Bob on Monday, Steve on Tuesday...Oh, not those affairs. OK, now that I've softened things with a lame joke, the doctor really did say that. Turns out I have terminal cancer. Lymph. "Very advanced". They say they can't cure me but they might (MIGHT) be able to prolong my life. No thanks. There's a reason they tear a bandage off fast instead of going slowly. Fast might hurt but only for a second. Slowly hurts for a long time. And as far as I'm concerned they wouldn't just be prolonging my life but they'd be prolonging my suffering. I'm just going to let things follow their course. I've got pain meds, I've got a ton of loving friends who will do anything they can to help me. I'll get Hospice in later when the time comes. It's all good. Jarrett is going to take over the shop for me and even though it's just ego, it's nice to know the thing I started will carry on after I'm gone. Bonnie is my best friend who brought me and Patches together and she has promised she'll find him yet another good home. And I'm happier and more at peace than I've been in a long time. No more wondering. And when I leave here I'll be going home to God. What could be better? There really are much worse things than a diagnosis of terminal cancer. There was a guy who used to come by on his motorized chair and talk to me sometimes. His fingers were so twisted with arthritis he couldn't get in or out of bed, he couldn't dress himself, cook, or even blow his nose without help or extreme pain. And he went on like that for YEARS. Nope, what I've got is so much easier. Anyway, you know how sometimes people disappear from an internet forum and you wonder what ever happened to them? Well I didn't want you to wonder about me. And I want to thank everybody here for the good advice and the many friendships I've developed. I may chime in again if I think I can be of help to someone, but for the most part I'm going to lay low. You don't need a blow-by-blow account of my progress and I won't burden you with it. So yeah, thanks and great big (((((HUGS))))) to you all.
Rice grain to rice flour conversion using grain mill
bartfull replied to squirmingitch's topic in Gluten-Free Recipes - Baking & Cooking TipsWell I'm generally considered pretty cranky but I guess that's not the same thing...
Positive blood test only - so husband doesn't support me
bartfull replied to pag794's topic in Celiac Disease - Pre-Diagnosis, Testing & SymptomsI'm sorry but those of you who have husbands who blame your illness on you should leave them. NOBODY has a right to belittle someone like that. A husband is supposed to be supportive and CARE about you. If he doesn't, what is the point of being married - so you can have someone to kick around???!!! No matter what your financial situation is, you CAN make it on your own. It make be tough for a while but you can do it, and you will be surprised at how easy financial difficulties are compared with abuse. And make no mistake, it IS abuse. Ditch these clowns!!
Rice grain to rice flour conversion using grain mill
bartfull replied to squirmingitch's topic in Gluten-Free Recipes - Baking & Cooking TipsI got curious and went looking. I FINALLY found this: http://www.instructables.com/id/DIY-How-to-Make-Rice-Flour/ I don't know how accurate it is but it says one cup of grain equals about a cup and a quarter of flour. Somehow that doesn't seem right to me. A cup of grain has a lot of spaces between the grains whereas a cup of flour doesn't. I'd think you'd get much LESS flour, not more. But what do I know?
Recent Celiac and trying to cope
bartfull replied to Goobs94's topic in Celiac Disease - Coping WithHi Goobs, and welcome. It takes quite a while for most of us to feel consistently better. You'll find that you have good days and bad days. As time goes on the good days will become more frequent. My advice to you would be to first, go to the Newbie 101 thread here in the coping section. It'll help you make SURE you aren't getting hidden gluten contamination. And I would NOT eat in restaurants. I've been at this for years and I still hardly ever eat in restaurants. I know it's a pain in the neck socially and inconvenient to boot. But right now you should be eating simple whole foods anyway - meats, potatoes or rice, fresh veggies and a little fruit. These things are easier to digest and they are not prone to contamination. Oh, and keep a food and symptom diary just in case you have any further intolerances. Most of us have trouble with dairy at first and some of us with things like corn or soy. Not to say that you do, but it wouldn't hurt to avoid those things (especially dairy) for a few months.
Salicylate sensitivity- or food allergy- does it go away??
bartfull replied to Irene Joanne's topic in Other Food Intolerance and Leaky Gut IssuesHi Irene and welcome. I went through a period when I couldn't tolerate high sals. I was at my wit's end trying to figure out what to eat. I finally settled on just a few foods I knew were safe and ate them every single day for every single meal. Boring? You bet! But I stayed healthy. Eventually (like a couple of years?) I started being able to add things back. And blueberries took the longest. They are my favorite and I kept trying with no luck, even after I had gotten other high sals foods back. I'm happy to say I can now eat even blueberries! I had the problem with smells and chemicals too, but after being gluten-free and finally healing, it's not as bad as it once was. I still hate walking down the soap aisle t the store but I can do it without wheezing up. Remember, at three months in you are going to be having good days and bad days. It can take six months to two years before you feel consistently good. In the meantime, eat plain and simple whole foods, avoid the sals and try to remember, it is most likely temporary. So you have a hideously boring diet for a year or two - once that's over you will not only be able to eat lots of yummy foods, but you're going to start feeling great!
Tests done, waiting for CT Scan and Biopsy appointments
bartfull replied to sheila817's topic in Celiac Disease - Pre-Diagnosis, Testing & SymptomsCary, the OP DID say a biopsy was scheduled, and that's why she is back eating gluten. I don't know why the cat scan is on tap and I agree it's a lot of radiation but I'm sure the doctor has a good reason to schedule it.
Why don't I ever feel good......... EVER.
bartfull replied to All-Natural's topic in Celiac Disease - Coping WithI would start with the Newbie 101 page pinned to the top of the coping section here. You may well be getting cross-contamination. And yes, a food diary. And also yes, try to stick to whole foods. If you must eat processed foods, try to stick to Kraft or Con Agra products because of their labeling policies, or to certified gluten-free foods. And as Karen said, it might be something totally different so a follow-up with the doctor might be in order.
Suspect Celiac, no medical access, options?
bartfull replied to firewrangler's topic in Celiac Disease - Pre-Diagnosis, Testing & SymptomsI too fall through the cracks. I knew gluten was a problem for me so I came here and learned how To avoid CC, went completely gluten-free, and saw my symptoms clear up. Later on a great free clinic opened here (for a while - they are gone now. ) and the doctor there, based on family history (Mom was a diagnosed celiac), and resolution of symptoms, gave me an official diagnosis. Now, years later I am going through some unrelated and serious health problems. I had no choice - I HAD to see a doctor. I have paperwork to take back to my next appointment to see if I can get a break on fees. (The last visit cost over a thousand dollars!) Either way, I'll be setting up a payment plan and they're only going to get 20 bucks a month. I'll be in debt for the rest of my life but it's better than dying. All that being said, my advice is, if you can possibly get an official diagnosis, DO IT!
Please share cross contamination stories
bartfull replied to jddh's topic in Celiac Disease - Coping WithThink about it. The powder is on the shredded or grated cheese to keep it from sticking together. It is moisture that would make it stick together and the powder is there to absorb the moisture. Now, what happens when flour gets wet? It turns to glue, right? So they would never use flour as an anti-caking agent.
bartfull replied to a topic in Celiac Disease - Post Diagnosis, Recovery/Treatment(s)I hope you're still staying gluten-free, Prescott. The kefir may have helped speed the healing, but there IS no cure for celiac. It's possible that the damage done from three months on gluten didn't show in the endoscopy but believe me, if you keep eating gluten it will eventually.
When I have no other way to seal an envelope, even if my hands are dirty I can spit on my finger and then run that over the glue. Glad you're feeling better.
24 hours gluten free and testing
bartfull replied to sssmomma's topic in Celiac Disease - Pre-Diagnosis, Testing & SymptomsNo, I'm pretty sure you are safe. However they often want to do a biopsy to confirm should your tests come back positive, so you should stay on gluten until then. Go out and enjoy as many gluten foods as you can right now. Have some good, homemade bread. Have some pizza. And please, think of me while you have some doughnuts.
Yes, think about it. Would you go into a public place and lick a doorknob? Of course not. So why would you lick an envelope that who knows how many people (and other things) have touched? A tiny corner of a paper towel, dampened and run across the surface of the glue will seal your envelope and help you avoid germs.


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In Memory of
Ersilia F. "Dee" Firavanti
1925 - 2017
Light Candle
Visitation at Funeral Home
5:00 pm - 8:00 pm
Wednesday, December 27, 2017
Codey & Jones Funeral Home
54 Roseland Avenue
Caldwell, New Jersey, United States
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54 Roseland Ave.
Caldwell, New Jersey 07006
Richard J. Codey, Owner, NJ Lic. #3175 | Garrett C. Jones, Owner & Manager, NJ Lic. # 3904
Phone: (973) 226-6696
Fax: (973) 334-5253


text:
Larry Juhl, 66 - May 08, 2013Larry Joe Juhl, 66, of Las Vegas, NV, originally of Gothenburg, died Wednesday, May 8, 2013, at Las Vegas.
Graveside services will be conducted at Fort McPherson National Cemetery on Tuesday, May 21, at 10:30 a.m. with the Rev. Don O'Brien officiating. Interment will take place at the Fort McPherson National Cemetery near Maxwell.
Juhl was born Nov. 21, 1946, at Gothenburg, son of Joseph Burton Juhl and Dorothy Marie (Sabin) Juhl.
He grew up in the Cozad and Gothenburg area, and attended Cozad schools, graduating from Kearney High School.
Juhl served his country with the U.S. Army, 1966-1968 and 1980-1983, where he was a medical specialist and a unit supply specialist.
On Sept. 29, 1981, he married Naomi Fish at Columbus, GA. He was the father of four children, two sons and two daughters.
Juhl resided at many places including Nebraska, Colorado, Minnesota, Washington, Alaska, Kentucky, Georgia, New Mexico, Texas, California, Nevada and Germany.
He was employed as a respiratory therapist, a pharmacy technician, operating room tech and certified nurse assistant, and was the owner/operator of Tatanka and Tiki Hut.
Juhl enjoyed music, movies, balsa wood airplanes and history, said family members.
He was preceded in death by: his father, Joseph Burton Juhl; his mother, Dorothy Marie Juhl; step-mother, Laura Juhl; sister, Linda Joy Juhl.
Survivors include: his wife, Naomi May Juhl; two sons—David Lynn (Suyean) Juhl and grandson Alex, and Thorin Kirkendall Juhl; two daughters—Crystal Lee Juhl and Mistienne Juhl; a brother, Riley Del Juhl; sister, Karen A. (Theodore J.) Gilb; brother-in-law and sister-in-law, John and Vivian Childers of Denver; numerous extended family members.
Memorials are suggested to the family.
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American Capital Strategies (NYSE:ACAS) is the largest business development company in the U.S., with $15 billion in assets under management, and the only one in the S&P 500.[1] that makes investments of $5 million to $800 million in companies whose employees and management hold a large ownership stake, makes loans to private equity firms, and provides capital to public and private companies by issuing loans or in exchange for equity.[2] As ACAS manages such a large amount of money, it is able to invest in larger companies as well invest in a wider variety of companies across many industries than many of its competitors. ACAS has also less debt than its competitors.[3] With a lower debt-to-equity-ratio and diverse portfolio, ACAS is less vulnerable to the volatility in earnings of the companies it invests in. ACAS is vulnerable though to investors' diminishing appetite for risk as investors tend to consider stocks of alternative asset managers including ACAS to be riskier than those of most other industries; the cycliality of the American and European economies, since a slowdown in either economy would reduce the earnings of the companies it invests in; increasing interest rates as a result of the credit crunch as it would have to pay more to maintain its debt; or legislation increasing taxes on private equity fund managers as fund managers raise fees for its investors to make up the loss.
ACAS serves buyout markets--whether by private equity, employees, or management--and makes both early and mature-stage investments in both public and private companies. During an average week the company will have $30 billion of investment opportunities under review.
American Capital is registered as a business development company (BDC), requiring them to payout most of their earnings to shareholders. The company seeks to be the leader in providing capital to middle-market companies, in many cases taking control of the company being financed. The company has also pursued a strategy to migrate much of their income towards asset management through the establishment of off-balance sheet private equity and debt securitization funds.
Its business consists of two primary segments: its investment portfolio and its alternative asset management business. ACAS targets primarily middle-market companies for investment, committing roughly $5 million to $800 million per company. ACAS holds an extremely diversified portfolio with with portfolio companies in almost every sector.[4]
The main distinction between its investment portfolio and its alternative asset management business is that in its investment portfolio, ACAS commits mainly its own funds, whereas in its alternative asset business, ACAS raises funds from investors to invest with and collects management and performance fees.
The Special Situations Group invests in troubled and distressed situations including operational turnarounds, auctions, corporate and orphan carve-outs, portfolio add-ons, complex management buyouts and provides debtor-in-possession (DIP) financing, exit, mezzanine for sponsored buyouts, second lien refinance, and direct lending to distressed companies.
The Second Lien Group offers secured and unsecured junior capital investments to support an array of financing needs across a variety of industries primarily, focusing on syndicated junior capital opportunities sourced through the loan sales desks of the market's growing junior capital arranger community. ACAS prefers to invest in manufacturing, services, and distribution companies. The firm also makes investments in companies that provide services or products to federal, state, or local governments, focusing on information technology for custom information technology solutions, technology and software enabling headcount reduction, technology and software enabling cost reductions in conducting transactions with or within government.
In 2009, ACAS incurred a net loss of $678 million on revenues of $697 million. This represents a turnaround from 2008, when the company earned $525 million on $1.05 billion in revenue.
With this side of its business, American Capital provides investment capital to middle market companies generally within the range of $10 million to $750 million. Historically, American Capital's provides funding to support management and employee buyouts (MBO's), in which the company's existing managers or employees acquire a large part or all of the company. American Capital generally invests senior debt; and mezzanine debt and equity for buyouts of private companies sponsored by American Capital or other companies. American Capital also provides capital directly to early and mature stage public and private companies as its portfolio companies. American Capital also invests in structured finance investments, such as commercial mortgage backed securities (CMBS), commercial collateralized loan obligations (CLO) securities, and collateralized debt obligations (CDO) securities.[6]
American Capital manages over $17 billion worth of alternative assets across five funds:
As investors become less willing to invest in higher risk assets, demand for ACAS stock falls, as well as ACAS' ability to finance its transactions. A principal feature of the private equity industry is its extensive use of debt to finance transactions, usually in the form of high yield bonds. As investors with assets in the high-risk subprime lending industry lost money, investors have become more risk-averse to other high-risk assets; as a result, it has become more difficult for private equity firms and the investment banks that structure their deals to find buyers for these high-risk high yield bonds (also known as "junk bonds")[7] These bonds are critical to private equity firms' continued ability to finance their operations.
Increased interest rates increase the amount ACAS has to pay in order to take on debt. If interest rates rise, the cost of borrowing becomes higher, so the gross required return necessitated by an investment becomes higher. As such, private equity firms would make undertake fewer investment opportunities. Also, increasing interest rates would encourage investors to put more money towards savings accounts instead of higher-risk assets. Likewise, investors would be less inclined to purchase ACAS stock.
A variant of the Baucus-Grassley and Levin-Rangel bills in Congress if passed would raise the amount of tax private equity and hedge fund managers pay on carried interest. Fund managers would need to negotiate larger portions of the carry away from investors to make up the difference, which would make fund raising more difficult. Fewer assets under management slows earnings.
The exchange rate would help American Capital bring better returns to U.S. stockholders as 17% of American Capital's portfolio is based in Europe.
ACAS has investments across many industries in both the American and European economies. As ACAS hold a portfolio across many industries in both economies, their aggregate performance is largely reflective of that of the greater economy.
Among publicly-traded business development companies, American Capital doesn't face much competition as this field is fairly small. As of late though, it's competitors have been performing well in comparison. Its competition includes: