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Second quarter earnings reports dominated the news from the world of life and annuity companies this week. Among the developments of note in the earnings reports was that second quarter was a good one for American Equity Life, which took advantage of two competitors who scaled back on their annuity offerings, allowing American Equity to gain market share.
The other development of note this week came from MetLife, which announced that the Financial Stability Oversight Council (FSOC) was expected to file a brief Friday opposing the company's motion for summary judgement to dismiss the Systemically Important Financial Institution (SIFI) designation.
American Equity Investment Life Holding Co.
American Equity Investment Life Holding Co., a top seller of fixed index annuities, on Wednesday reported second quarter 2015 profit of $82.8 million, or $1.05 per diluted share, compared to profit of $36.7 million, or $0.46 per diluted share, in the year-ago period.
Revenue dropped 34 percent to $441 million, due mostly to changes in the market value of derivatives, the company also reported.
Operating income rose 32 percent to $50.9 million, or 64 cents per share, compared to operating income of $38.5 million, or 48 cents per share in the year-ago period. Four analysts surveyed by Zacks Investment Research were looking for 60 cents per share.
The company benefited from a changing competitive landscape in which a competitor withdrew an annuity from the market and another competitor scaled back its annuity sales.
Market share gains fueled annuity sales to a record $1.8 billion, a 73 percent increase over the year-ago period, and investment spreads also widened, the company also said.
"We are optimistic we will have a record year for sales but the first half surge may settle down somewhat," CEO John Matovina said in a news release.
With several competitors increasing annuity payout rates, Matovina said the company was responding by adjusting its own payout factors to lifetime income benefit riders beginning Thursday. "Some factors will be lowered while others will be raised," he said.
The company is planning to hire more operations personnel to handle the higher sales volume, he also said.
Unum Group, the long-term care, disability, life and voluntary benefits carrier, on Wednesday reported a second-quarter profit of $224.3 million, or 90 cents per diluted share, compared to a profit of $239.4 million, or 93 cents per diluted share in the year-ago period.
Analysts were looking for the company to earn a profit of 90 cents per share.
Operating revenue in the second quarter climbed to $2.7 billion from $2.6 billion in the year-ago period, the company also said.
"Our second quarter results remained solid," President and CEO Richard P. McKenney said in a news release. "The favorable growth trends we have been experiencing continued into the second quarter with premium growth in our core segments continuing to show positive momentum."
Unum's U.S. group disability line of business saw second quarter operating income decline 16 percent to $61.2 million compared to the year-ago quarter. But premium income rose to $561 million, an increase of 7.1 percent over the year-ago period, the company reported.
Second quarter operating income for Unum's group life and accidental death and dismemberment line was $52.5 million, a drop of 13.4 percent from the year-ago period, the company reported. Premium income rose 7.3 percent to $369.3 million on higher sales, the company also said.
The company's Colonial Life subsidiary reported second quarter operating income of $77.6 million, an increase of 3.6 percent over the year-ago period, and premium income at Colonial Life rose 6 percent to $335.9 million, Unum also reported.
MetLife on Wednesday reported second quarter net income of $1 billion, or 92 cents per diluted share, compared with net income of $1.3 billion, or $1.17 per share diluted, in the year-ago period.
Second quarter net income dropped 22 percent after the company booked $593 million in after tax derivative losses due to rising interest rates and a weaker dollar, the insurer also reported.
Earnings, adjusted for nonrecurring costs, came to $1.56 per share beating analysts' estimates of $1.47 per share.
Operating earnings in the second quarter were $1.8 billion, an increase of 11 percent from the year-ago period, the company said. Operating revenues were $17.3 billion, a 2.4 percent drop from $17.8 billion in the year-ago period, the company also said.
"MetLife delivered strong double-digit operating earnings growth in the second quarter," Steven A. Kandarian, chairman, president and CEO of MetLife, said in a news release. "Investment margins remained healthy despite persistent low interest rates, and underwriting margins improved year over year for the fourth consecutive quarter."
In a conference call with analysts, Kandarian also said that the Financial Stability Oversight Council (FSOC) was expected to file a brief Friday opposing the company's motion for summary judgement with regard to a designation of the company as a Systemically Important Financial Institution, or SIFI.
The company will file a final reply to the FSOC brief Aug. 21.
"At this time, the judge has not informed us whether she will be holding an oral hearing. And the timing of a final decision is difficult to predict," he said.
Designating MetLife as a SIFI affects the company's capital position and reserving requirements.
Lincoln Financial Group
Second-quarter net income dropped 14 percent to $344 million, or $1.35 per diluted share, compared with $398 million, or $1.48 per share diluted in the year-ago period, Lincoln Financial Group reported Wednesday.
Second-quarter earnings, adjusted for investment costs, were $1.46 per common share. Analysts were looking for the company to deliver $1.54 per share.
Operating revenue climbed 4 percent to $3.4 billion from $3.3 billion in the year-ago period, the company also said.
"Significant improvement in group protection earnings and continued momentum in annuities largely offset abnormally high claims severity in Individual life," Dennis R. Glass, president and CEO of Lincoln Financial Group, said in a news release.
Second quarter income from operation for the life insurance segment were $105 million compared to $148 million in the year-ago quarter, the company said.
Legal expenses cost the company 3 cents a share in the second quarter, the company also said.
Second quarter net income plunged 30 percent to $573 million from the year-ago period, as revenue dropped 9 percent to $5.2 billion compared with the year-ago quarter, Aflac reported Tuesday.
The company also reported second quarter net income of $1.32 per diluted share, a drop of 26 percent from the year-ago period.
Operating earnings in the second quarter were $651 million, compared with $757 million in the second quarter of 2014, the company also reported.
Second-quarter operating earnings, adjusted for investment costs, were $1.50 per share. The average estimate of a dozen analysts surveyed by Zacks Investment Research was for earnings of $1.52 per share.
Operating earnings included a charge of $10.5 million, or $.02 per diluted share, reflecting the write-off of some software development costs related to modernization activities at Aflac Japan, the company also said in a statement.
The weaker yen-dollar exchange rate decreased operating earnings, the company also said.
Torchmark reported Monday second quarter net income of $127.1 million, or $1 per share, down from $131 million or 98 cents per share in the year-ago quarter.
The company also reported net operating income of $1.05 per share compared with $1.02 per share in the year-ago period. Zacks Investment Research analysts were looking for net operating income of $1.07 per share.
Torchmark, a holding company specializing in life and supplemental health insurance for middle-income Americans, reported second-quarter revenue of $1.03 billion.
The holding company, sells insurance through direct response distribution channels and exclusive and independent agencies.
It owns the following brands: American Income Life, National Income Life, Globe Life, Liberty National, United American, First United American and Family Heritage Life.
Symetra Financial
Symetra Financial on Thursday reported second quarter net income of $31.2 million, or 27 cents per common share diluted, compared with net income of $71.5 million, or 62 cents per common share diluted in the year-ago period.
Operating income, adjusted for lower investment income, was $49.6 billion, or 43 cents per share, compared with $55.3 million, or 48 cents per share in the year-ago period. Five analysts surveyed by Zacks Investment Research were looking for the company to deliver operating income of 45 cents per share.
Tom Marra, Symetra president and CEO, said in a statement that the company's fundamentals were solid with rising premiums in the company's benefits segment and loss ratios within management's target range.
"We achieved strong top-line growth in both the Individual Life Division and the Retirement Division —which posted a record $1 billion sales quarter," Marra said in a news release.
The company's board of directors approved a special dividend of 50 cents per share payable on Aug. 28.
Second quarter net realized losses were $28.6 million, compared with net gains of $25.3 million in the year-ago period.
Losses were due to alternative investments, higher amortization of tax credit investments, and interest expenses, the company said. In addition, the company booked losses on the sale of bonds compared to gain on the sale of bonds in the year-ago period.
InsuranceNewsNet Senior Writer Cyril Tuohy has covered the financial services industry for more than 15 years. Cyril may be reached at [email protected].
© Entire contents copyright 2015 by InsuranceNewsNet.com Inc. All rights reserved. No part of this article may be reprinted without the expressed written consent from InsuranceNewsNet.com.


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Superintendent's Message
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Teacher of the Year
Jerry Bell, Superintendent
Welcome to the Haralson County Charter School District. It is with great pleasure that I write to you as
your superintendent. Over the last two years, we have seen continual growth with the district and more change is coming as we move forward in a progressive manner. Whether
you are a newcomer to Haralson County or a long time
resident I thank you for choosing us to educate your student. We are here to serve you and ensure your
child is given the opportunity to achieve at the highest levels in academics, the arts, and athletics. Students attending Haralson County Schools receive the quality education needed to achieve in life after
school. I encourage you to get involved in your child's education and work alongside your school to
create a more successful student.
Anytime you have suggestions that will help us to become a better educational institution I encourage
you to call, email, or visit your local school or the district office so we may consider your ideas. I believe
in open communication between stakeholders and will always make the necessary time to communicate
with you. "All of us are better than any one of us" and I truly believe it will take "all of us" to provide the
education necessary for a successful future.
Thank you for allowing me to serve as your superintendent of schools. I am excited about our future as a school system and more importantly, the future of our students.
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Colorado's agency of accepting about are in abundant charge of attention, partisans on every ancillary agree. But the assorted solutions and aggressive agency of advantageous for busline improvements offered by candidates and election measures are a altered political amount entirely.
The interstates beyond Colorado accept gotten by on a federal gas tax that hasn't been aloft aback 1991. And the Assembly annually looks the added way on allotment the aliment and amplification brought on by citizenry and bread-and-er growth, admitting the banking asset of the state's turbocharged economy.
The Colorado Department of Busline has told policymakers it needs an beverage of $9 billion in the aing decade and $20 billion in the aing 20 years.
The November election will action aggressive visions of how to addition busline funding. One calls for devoting $3.5 billion in accompaniment funds to anchorage after a tax hike; addition would accession $6 billion for assorted improvements by charging an added 0.62 cents on the state's 2.9-cent sales tax.
Meanwhile, the candidates for governor are talking transportation, too. But band abroad the aggressive address about how astringent the botheration is, and you're larboard with their chat that they'll do the best they can, not a agreement of dollars adjoin solutions.
This is as abundant about aggressive visions as it is dollars. The larboard wants added driver rail, bike lanes and low-emission cartage to accumulate communicable cars off of the state's brimming highways. The appropriate favors added lanes and new anchorage to board added cartage to accumulate tourism and business rolling.
On top of that, Colorado's Taxpayer's Bill of Rights caps government spending again armament refunds, rather than absolution assembly use the state's acclaim agenda for demanding and spending on above abiding projects, such as artery overhauls and accumulation transit. TABOR armament government to be added efficient, but it generally agency trade-offs amid basement and animal services.
In Colorado, busline advance has dwindled as a allotment of absolute spending. A decade ago, busline accounted for 10 percent of the accompaniment budget. This year, it's about 6 percent.
Voters in November will accept four opportunities to counterbalance in on busline through their election — two election measures and two candidates:
• Proposition 109 (called "Fix Our Damn Roads") would crave the Assembly to borrow $3.5 billion for acute alley and arch projects and pay it aback over 20 years from absolute tax revenue.
• Proposition 110 (called "Let's Go, Colorado") would accession the accompaniment sales tax by 0.62 cents — a 21 percent access — to armamentarium assorted accompaniment and bounded busline needs, with a appropriate allotment for another transportation.
• Walker Stapleton, the Republican active for governor, would use money from sports action for transportation, admitting critics say it's not about enough. He supports Proposition 109.
• The Democratic candidate, Jared Polis, wants green-powered transportation, but he puts alternating no new acquirement in his attack belvedere plank. He says he does not "personally abutment or endorse" Proposition 110 to accession taxes, but adds he will apparatus it if passed.
Opponents of spending added from the accompaniment account on busline after adopting taxes say that would endanger schools and amusing programs aback the abridgement cools and the accompaniment account tightens; loans charge be repaid, while programs and allowances would be cut.
"I anticipate you're seeing the best we accept afore us on the ballot, in the anatomy of 109 and 110," said Scott Wasserman, admiral of the Bell Policy Center, a left-leaning bread-and-er anticipate catchbasin in Denver, and the above agent arch of agents to Gov. John Hickenlooper.
"On one duke you accept a amenable plan to band for a cardinal of alley projects as able-bodied as transit, and that's Proposition 110," he said. "And again you accept a absolutely capricious claiming to the accompaniment Assembly to booty out a behemothic accommodation we can't pay for and put up our schools and hospitals and childcare as collateral."
Former Colorado Republican Party administrator Dick Wadhams was the attack administrator for the aftermost Republican governor, Bill Owens, who assertive voters in 1999 to overwhelmingly canyon Referendum A, which adopted about $1.7 billion for busline projects with no new taxes. They were alleged Busline Acquirement Anticipation Notes, referred to as TRANS bonds.
"Initially, Gov. Owens anticipation we could get TRANS anesthetized through legislation aback it did not accession taxes, but the boyhood Democratic accompaniment Senate administration went to the (state) Supreme Court, which was all (appointees of Democratic Govs. Dick Lamm and Roy Romer), to force us to go to the election and they won," Wadhams said.
That meant a statewide vote — article that pundits said Owens, who had been adopted by a attenuated majority aloof a year beforehand in 1998, could not pass.
Wadhams took a leave of absence as Owens' columnist secretary in August 1999 to run the TRANS campaign.
"It was a huge all-embracing political benefaction to Owens who concluded up activity into the 2002 re-election attack with huge approval numbers," Wadhams recalled. "He concluded up actuality about accustomed for re-election aback Democrats nominated the well-meaning Rollie Heath, whom Democrats let languish with little support."
A abridgement of adventurous plans
It's adamantine to brainstorm either gubernatorial applicant this year architecture a bequest on roads. Neither applicant is cerebration that big.
Until recently, Stapleton had said abandoned that he would cut authoritative costs and addition ability in CDOT operations to break added dollars into roads. Given the state's history of promises and cessation on transportation, that sounds a bit like charwoman up a alternation bones with a advance broom.
"We charge a abiding band-aid to fix our state's busline problems," Stapleton said. "We can no best bang the can bottomward the road. I will appeal accuracy and accountability from the Department of Transportation, acquisition a abiding acquirement beck to armamentarium our busline needs and accent architecture anchorage and bridges, article we accept abandoned for far too long."
He articular abandoned a "potential" acquirement antecedent in legalized sports gambling, which the U.S. Supreme Court disqualified in May could be accustomed by the states.
But that's hardly a fast lane. First, the assembly would accept to accept sports betting, again voters would accept to accept a tax on the new business — two aerial hurdles, abnormally if Democrats absorb the House or Senate.
The Polis attack accursed aback that Stapleton's bank plan is a fool's bet that would accompany in a allowance of the billions needed, arising a biting columnist absolution accent "Polis applauds Stapleton's adventurous plan."
Polis said if Colorado is advantageous abundant to accompany in the $15 actor in tax acquirement that Nevada earns from sports betting, it would booty 600 years to accession the $9 billion bare in the aing decade.
Polis' busline plan, however, assures alike beneath — as in nothing. He, instead, vows to assignment with the Legislature, which is what Democratic Gov. John Hickenlooper approved to do.
Colorado Politics asked his attack to appearance voters the money. Instead, he said this in a statement:
"I abutment application new and absolute sources of acquirement to armamentarium alley and artery projects after sacrificing allotment for bloom affliction or accessible schools. I altercate putting our accompaniment billions in debt after any acquirement like Walker will do. Instead, I will assignment with Republicans, Democrats and the business association to acquisition a allotment accommodation that works if Proposition 110 fails on the election this fall."
Without any angle to pay for it, Polis went on to say he would assignment to affix Fort Collins to Pueblo with accelerated driver rail. A achievability abstraction to do that is already in the works.
"As a aboriginal footfall on Front Range rail, we should accomplishment the accessible ascribe action and complete a achievability abstraction to actuate how abundant of the activity can be adjourned by bonding adjoin approaching admission sales and how much, if any, would crave Coloradans to vote on new acquirement sources," he said.
He said accelerated internet is allotment of his busline plan, abnormally for rural areas, to "enable added telecommuting and advice bodies assignment in the communities they alive in."
Competing election questions
While Proposition 109 — "Fix Our Damn Roads" — would put $3.5 billion anon into city and aliment on 66 projects, Proposition 110 — "Let's Go, Colorado" — promises $6 billion to 107 accompaniment projects.
Neither absolutely solves the problems the state's amazing advance and long-neglected basement spending accept placed on residents, visitors and truckers.
Under the "Let's Go" plan, CDOT would get 45 percent, cities and counties would anniversary get 20 percent and again 15 percent would go for "multimodal projects," such as bike lanes, accumulation alteration and such.
While the tax is a benefaction for bounded governments — whose leaders don't accept to face the absolute political fallout of requesting a tax backpack — opponents say that voters accept no abstraction how that tax money will be spent afore they casting ballots aing month.
Colorado Springs Mayor John Suthers opposes the "Let's Go" tax hike, adage bounded voters accept added ascendancy and added acknowledgment on advance by casual bounded taxes for bounded projects.
"Let's Go, Colorado" is backed by a affiliation led by the Denver Busline Alcove of Commerce, which crafted the tax backpack angle abaft bankrupt doors with accessible officials, as Colorado Politics appear aftermost spring.
Proponents altercate that it's abandoned about 6 cents on a $10 acquirement (and that's about $144 on a $24,000 acclimated car), and the state's abundance of tourists will advice aces up the tab. They say alteration and added another busline are agency to attending advanced adjoin longer-range solutions.
"You cannot pave your way out of a $9 billion claiming in the accompaniment of Colorado aback you accept this abounding needs," said Dan Gibbs, a above Democratic accompaniment administrator who is now a Summit County abettor and a "Let's Go" backer. "The 15 percent for multimodal is acutely important."
He said that's abnormally accurate on the burghal Front Range, but abundance towns and rural Eastern Plains communities charge alteration services, too. "Let's Go, Colorado" offers that, but addition interstates abandoned doesn't.
The plan, instead, should be alleged "Let's Go Tax Colorado," quips above Lone Tree City Council affiliate and bourgeois radio host Kim Monson, an apostle for the aggressive Proposition 109, "Fix Our Damn Roads."
She said the sales tax would hit every Coloradan on about aggregate they buy. "It absolutely will accomplish accustomed activity added expensive," she said.
Jon Caldara is admiral of the libertarian-minded Independence Institute and the active force abaft "Fix Our Damn Roads." His angle would get 66 top-tier artery projects done with a band affair that would booty about $260 actor out of the accompaniment budget.
The Trump tax cuts are accepted to accompany in $900 actor added for the accompaniment account aing year, abundantly by accomplishing abroad with federal tax break that accomplish some assets taxable at the accompaniment level, according to account analysts.
"We're saying, can we use aloof a third of that for this amount action of government that our accompaniment has not adjourned in over a decade?" Caldara said.
Last year, the accompaniment account was about $28.9 billion, acceptation acclimation anchorage would amount beneath than 1 percent of a account that grows every year. The account grew about 8 percent aftermost year.
"Colorado doesn't accept a acquirement problem," Monson said. "We accept abundant revenue. We aloof don't absorb it in the appropriate places."
Taking money from an absolute account artificial by added needs, including schools and Medicaid costs, "Fix Our Damn Roads" makes no sense, Gibbs countered in a altercation with Monson and Caldara on the "Aaron Harber Show" recently.
"When we accept 100,000 new bodies affective to Colorado anniversary year, their angle aloof doesn't cut it," Gibbs said.
Sandra Hagen Solin of Fix Colorado Roads, the statewide business affiliation that's pushed for added busline allotment for years, said both proposals action some abatement and spreads it beyond the state. She would like to see both canyon to accomplish a bigger bound advanced on the abundant beyond $9 billion problem.
"Passing 110's tax access will accouterment a greater cardinal of accompaniment artery projects, while 109 assures the accompaniment account contributes to our busline allotment challenge," she said. "Passing both would be the best of both worlds for busline advocates."
Confusion for voters
Paul Teske, administrator of the University of Colorado Denver's School of Accessible Affairs, says voters accept the "bumpy, congested" problems, alike if the solutions politicians put advanced are confounding.
Voters will accept to accent how abundant they're accommodating to tax themselves. Apprenticeship allotment is on the election forth with transportation; Amendment 73 would accession the accumulated tax amount as able-bodied as assets taxes on aerial earners to accession $1.6 billion for schools.
A abstraction cited by proponents of this year's Proposition 110 say Colorado's unmet artery needs exact about $2,100 a year from the busline Denver driver in the anatomy on absent time, ammunition and commitment delays.
Almost anybody campaign or relies on appurtenances and tourists delivered over the roads, Teske credibility out.
"That is altered from, say, K-12 apprenticeship area three-quarters of households don't accept a apprentice in K-12, so they don't acquaintance it alone in the aforementioned way," he said. "So, that makes it easier to accomplish the case for added money for roads, and conceivably transit, but that depends on your focus."
In accessory philosophy, Stapleton supports lower taxes and putting dollars anon into asphalt; Polis plays to a broader, greener constituency whose associates "somewhat tie the busline being to oil and gas development," Teske said.
"The (Denver) alcove and added boilerplate business association appetite the sales tax access to pay for added busline improvement, admitting still not abundant to get to the $9 billion that CDOT says we need, to accumulate our abridgement and affection of activity strong," he said.
"So I anticipate the 'how abundant money to anchorage and area it comes from' is the primary debate."
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Spot Billing (billing nxt)
This solution comprises handheld terminal or mobile phone with Bluetooth printer. The data collected from the field, can get directly upload into the cloud and get the printed ticket. There are two types of printers available: thermal & dot-matrix. It gets in use mostly in energy board, or utility where meter reader gets used for spot billing.


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A group of private entrepreneurs is raising $20 million to fund the first stage of a mission to identify asteroids close to Earth and mine them for valuable materials.
Deep Space Industries plans to launch three small crafts armed with cameras, called Fireflies, on an asteroid discovery mission as early as 2015. Three more spacecrafts, called Dragonflies, are expected to launch in 2016 to collect samples to be evaluated for mining potential.
Planetary Resources, a Seattle company that launched its asteroid-mining operation last year, is developing a space telescope for spaceflight soon.
More than 9,000 near-Earth asteroids have been recorded, according to NASA. Some have a diameter larger than a kilometer and are packed with valuable materials such as nickel and rare earth metals used for electronics.
Experts believe that asteroid mining could become its own industry. The Keck Institute for Space Studies, a Caltech think tank, said in a study last year that the technology to capture and mine asteroids exists.
Deep Space Industries' founders called asteroid mining a potential "gold rush" during an unofficial launch event Tuesday at the Santa Monica Museum of Flying.
The company, based in McLean, Va., plans to pay satellite companies to allow its 55-pound Fireflies to ride piggyback on existing launches of commercial satellites at a cost of about $1 million per launch. In space, the Fireflies will fan out to take pictures of potentially valuable asteroids, soaring as far as four times the distance to the moon.
The yet-to-be-built Dragonfly spacecraft would grab samples of likely asteroids and bring them back to Earth for analysis.
Larger crafts then would be used to tow the best asteroids into Earth's orbit, where the materials could be mined to create products, such as heat shields and fuel, for space missions.
Deep Space Industries has a patent pending on a 3-D-printing process that can create high-strength metal objects from schematics in zero-gravity conditions. Co-founder David Gump, who negotiated and directed the first TV commercial filmed on the Mir space station, said that building a prototype of the printer is expected to cost about $500,000. Products from the printer could be used to repair spacecrafts and satellites.
The Firefly mission is expected to generate revenue by selling data on asteroids and sponsorship rights and by giving investors the opportunity to test their own technologies in space, Gump said.
Firm has its sight set on mining asteroids
Meteorite may offer clues on asteroid Vesta's inner life
Asteroid mining and other out-there ideas from the tech titans


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LOCAL RECORDS OFFICE – One of the biggest mistakes first homeowners make is neglecting hiring a mortgage broker says, Local Records Office. For many people, planning to buy a house can be really stressful and it requires time and effort to ensure that you make a smart investment. The last thing you want is to make a decision without fully understanding the responsibilities you need to honor and knowing the arrangements available to you that can make the responsibilities attached easier for you to manage.
Mortgage Brokers Will Bring You a Step Closer to Accomplishing Your Dreams
Local Records Office says, "Many experts advise people who are set on pursuing their dream home that it's imperative to consider what a mortgage broker can do to help". Most financing specialists describe this professional as the middleman between a borrower and lender, which is often a bank. His job is to do research on the available provisions on the market, and assist and support the borrower throughout the application and settlement process.
READ MORE: What Is a Zombie Real Estate Investor? Local Records Office
Benefits of a Mortgage Broker
In a variety of ways, this person strives to make the undertaking so much easier for the borrower. Apart from such advantages, mortgage brokers can also be trusted to protect clients' interests; this is another of their primary duties. With their industry knowledge, you, the client, can seek their advice before deciding which mortgage program is most compatible with your requirements and current financial capabilities says, Local Records Office.
Mortgage Brokers vs. Payments vs. Skills
Helping you determine what will work most effectively for you will ensure your convenience in meeting payments, and this is their objective. Likewise, mortgage brokers lend their researching skills and foresight so you can be prepared for new industry policies that can impact your mortgage program. This will allow you to make necessary changes so you can remain compliant despite the occurrence of new mortgage requirements says, Local Records Office.
BREAKING NEWS: You Won't Believe What The Company "Local Records Office" Is Planning To Do from Local Records Office on Vimeo.
Mortgage Brokers Work With New Homeowners
Their services can save you money. You may not really notice it at first, but in the long run you will realize its advantage says, Local Records Office. Taking out a new mortgage usually has different kinds of fees such as application, appraisal, and origination fees. Your mortgage broker can lend you their influence during negotiations with a lender so these fees can be waived. Employing the services of a mortgage broker in financing your dream to own a house definitely will be a big help, especially during these economically unpredictable times. You may think a DIY approach will save you money, but think things over carefully. If you make mistakes in the process, your losses will likely amount to more than the service fee of a mortgage broker. And this is something you would not want to experience. And so, find a reliable mortgage broker before you purchase a house.
To learn more about mortgage brokers and Local Records Office go to www.Local-Records-Office.org


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You know the stereotypical simple girl. You probably adore her. She's the girl who wears her conservatism like a badge, who won't be caught dead baring cleavage or pulling her skirt up just a little higher to show more leg above the knee. She's soft-spoken, mahinhin, and will only order a dainty cocktail while you and your bros knock back one beer after another, lost in a haze of smoke and usapang lasing. When one of your buddies drunkenly taunts the other, "Bakla ka ba?," she will only smile serenely, maybe even laugh demurely along. She will never correct misogynistic behavior or aggressively speak her mind, because that's not what simple girls do. Simple girls are yes girls. They're low-maintenance, sweet, and magaan kasama. They're the ones you've been raised to believe are girlfriend and wife material.
Then there are the girls—the women—who raise hell, and who do it with pride. They pose for sexy photo shoots, ironically taking complete ownership of their bodies and their identity in the process of giving you a peek of underboob or a glimpse of their naked butt. You've seen them on the pages of FHM and on this website: sensual, sexually woke women who claim what they want to do with their bodies and give zero f*cks about whether or not you think they fit the criteria of a simple girl, or its close relative, the dalagang Filpina. You've read about them online: the most recent example being Beauty and the Beast star Emma Watson, who was lambasted for promoting feminism while showing her breasts on Vanity Fair, as if the two were ever mutually exclusive. "It just reveals to me how many misconceptions and what a misunderstanding there is about what feminism is," she shot back at critics. "Feminism is about giving women choice. Feminism is not a stick with which to beat other women with. It's about freedom, it's about liberation, it's about equality. I really don't know what my t*ts have to do with it."
Then there are the women who won't take any amount of B.S. from anyone, the ones people have taken to calling bra burners or KSP or "masyadong maraming alam." If being a "simple" girl means being simple-minded, these women are anything but. Their minds are open and intricate, their will strong and audacious, and their voices loud and unwavering. They're the ones who don't tolerate careless behavior when it comes to gender equality and gender sensitivity, even from—especially from—the men they've built relationships with. They are bold and wild and free, and they fight for the right of every woman in the world to be so.
They're the ones who won't change out of a crop top and a short skirt just because it makes their boyfriends or husbands uncomfortable and insecure, because it might tempt other men or attract too much attention or make them susceptible to catcalling and leering from strangers on the street. On the other end of the spectrum though, they're also the ones who won't wear a crop top or a short skirt just to pander to the male gaze, because maybe covering up makes them feel the most like themselves, which is what should matter most. Because they know that the amount of skin they show doesn't dictate the kind of women, or human beings, they are.
The simple girl, when you define it as a woman who never challenges male privilege and the box it so adamantly wants to confine her into, is a severely outdated standard for the kind of woman who deserves your love and respect. Let women be complex. Let them be confident, strong, brave, independent, interesting, expressive, and empowered. Let them—whether they're your girlfriends, wives, sisters, friends, or daughters—be whoever they want to be. It's way more fun for everyone.


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AppDev Exploring Visual Studio 2010 Using VB Samples 1.0
AppDev's Visual Studio 2010 training will help you become a more efficient, effective developer. Get up to speed quickly on Visual Studio 2010 with training from AppDev, the company nationally recognized for providing in-depth, real-world content in multiple formats to developers, IT professionals and computer users. AppDev's Visual Studio 2010 training introduces the most important new features in Visual Studio 2010 using Visual Basic or Visual C#.
Info updated on:


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Date: Fri, 18 Apr 2008 21:21:48 -0300 (ADT) From: Chebucto Community Net Office <email@example.com> Reply-To: email@example.com Subject: Chebucto Community Net Annual General Meeting Notice NOTICE OF CHEBUCTO COMMUNITY NET SOCIETY ANNUAL GENERAL MEETING 7:30 PM, Wednesday, April 23, 2008 Spencer House, 5596 Morris Street, Halifax, N.S. Several weeks ago I sent an e-mail to all members seeking nominees for the Board. I am pleased to report we had sufficient responses to fill the vacancies. This is very encouraging. We are excited to report that our Wireless development project has been completed and there will be a demonstration at the AGM. Our hope is that this new service will give Chebucto the boost it requires to address our financial difficulties. However, we will require the assistance of you the members. Please try to get to this important meeting. We look forward to seeing you there. Bernard Hart Chair, Chebucto Community Net Agenda of Meeting 1. Demonstration of the Chebucto Wireless service. 2. Call to order 3. Minutes of the April 12, 2007 Annual General Meeting 4. Report from the Chair 5. Report from Policy Committee and Technical Report 6. Treasurer's Report 7. Election of Directors 8. Recognition of Volunteer 9. Appointment of Auditor 10. Other business 11. Adjournment All are welcome to attend this meeting. However, only members in good standing are eligible to vote on the motions presented or be nominated for office. --
Return to the AGM page


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Listly is a web service that you may use to convert data on web pages to Excel spreadsheets. The service is available as a free and subscription-based version, and as a Chrome extension that makes things a bit easier.
You have a couple of options already when it comes to extracting data from web pages. You can copy and paste content, save the whole web page, or create screenshots for instance. You can also dive headfirst into the source code to extract data directly from it.
If you want to preserve the original structure of the data, especially if it is provided as a table, then your options are more limited.
Listly converts tabular data on web pages and creates Excel spreadsheets out of the data. While you can head over to the main Listly website to enter URLs manually there to convert them, using the Chrome extension that the service released recently speeds things up further.
All it takes is two clicks to convert the data from the active web page to Excel spreadsheets. The effectiveness depends largely on how the data is presented on the website. If it is in tabular format, chance is good that Listly will identify it properly and recreate it as a spreadsheet in Excel.
Listly identifies different table formats but it works best with tables that are clearly identifiable on the website. Futuremark's best CPU benchmark listing is converted perfectly to a spreadsheet for instance whereas other pages may not be converted properly.
You may use the Chrome extension without logging in to a Listly account. I don't know if it is limited in some way but I was not asked to register during test runs.
Account registration offers several advantages. It unlocks new features that you may use on the Listly website, among them a scheduler and data manager. Scheduling is quite useful; you may configure jobs to run conversions everyday or at specific days. If data on a web page is updated once a week, you may run a weekly job to grab the new data immediately after it is updated. Listly supports email alerts that notify you when new jobs complete
Listly users get access to a conversion history on top of that. Useful to reopen or download data again. The free account is limited to 10 pages and 1 scheduling job. Paid accounts start at $1.99 per month and increase limits.
Listly is a useful service if your own copy and paste jobs don't result in the desired output. While there is no guarantee that Listly processes data more accurately, it does not take long to try it out. You can run one-time conversions using the Chrome extension or the Listly website without account registration.
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Interesting. This sounds quite a lot like the IMPORTHTML() function in Google Sheets, just a bit more refined and friendly to use for an average person.
I'm just not sure if the price matches the offer. There was a time when I've had to do something similar and these 200 or even 1,000 pages would have been gone within a week.
Interesting find!.
I wonder:
Q1 – What if the web page has several tables?.
Does it convert each web table:
*** into a separate EXCEL file, or
*** includes all the converted tables into a SINGLE EXCEL file?
Q2 – How do I _convert_
the downloaded EXCEL file
to a CSV file?.
(I'm using "LIBRE OFFICE" under LINUX…).
It supports different sheets from what I have seen but I have not encountered a page with multiple tables. If you know one, let me know and I test it.
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Ghacks is a technology news blog that was founded in 2005 by Martin Brinkmann. It has since then become one of the most popular tech news sites on the Internet with five authors and regular contributions from freelance writers.


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When you heard that you could use household items as sex toys, you probably didn't think of your hand drill! This kit allows you to turn your standard drill or the LoveBotz Power Spinner (sold separately) into a high powered sex machine! The set includes a male toy in the form of a soft cup, lined with ticklers, for you to put your penis in. The female accessory is a wheel of 15 tongues that will provide simulated oral sex, with a bundle of soft tendrils in the center that will provide targeted pleasure. Imagine the speed at which these accessories will spin when you use the drill bit adapter to connect them to your power tool.
Pleasure Attachments for Power Spinner specifications:
- Measurements: Male attachment is 2 inches in inner diameter, 2 inches insertable. Female attachment is 4 inches in diameter.
- Material: TPE, ABS, metal.
- Note: Includes both male and female attachments. Drill sold separately.


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Thursday, July 12, 2012
What the what?
In a moment of weakness and a paucity of interesting TV, I checked in on the Major Leauge All Star game Tuesday — the one I said I never cared for and wouldn't watch.
Bottom of the first, National League 5, American League quickly out and scoreless.
What the heck happened?
Then, like finally seeing clearly into the living room darkness on Christmas morning, I learn that Pablo "Panda" Sandoval, the Giants' third baseman, had hit a bases-loaded triple to right field, 10 feet short of a grand slam (how is that the first bases-loaded triple in more than 80 years of All Star games?) to contribute the lion's share of the five-run inning. He scored on a single.
Melky Cabrera, the Giants' left fielder, had singled in that first inning bombardment, and then hit a two-run homer in the fourth inning to bring the National League tally to eight runs. He won the game's Most Valuable Player Award: a crystal bat (huh?) and a new Camaro.
Whichever National League team wins its championship also gets home-field advantage in the World Series, the only real stakes (besides league pride) in the game. The American League gets nothing. We fans get nothing. OK, memories, conversation. The game otherwise doesn't count. The regular season resumes Friday, teams nursing their wounds or stoking their boilers, depending, racing/limping to the season finish.
Today, another dark day without baseball, is the day to think about starting pitcher Matt Cain's getting the All Star game win with two shutout opening innings, allowing one hit; catcher Buster Posey's first inning walk to contribute to the scoring (and spending the rest of the game in the bullpen helping warm up each of the All Star pitchers); to consider that at the start of the game, four of the nine National League players were Giants. Today is time to wonder what it might mean for the Giants the rest of the season.
Maybe momentum, maybe nothing. Tomorrow, against the Houston Astros, will tell. Saturday, when the wonder-inducing wunderkind Tim Lincecum makes his next start on the mound, will really tell.
By the way, you probably missed out on buying the official bat to commemorate Matt Cain's perfect game June 13. For $99.95 plus shipping, you could have bought it, but the 2,012 bats have already been sold. It's not clear to me why a bat would memorialize a perfect game, the essence of which is the absence of bats.
You can still buy the commemorative ball in its dust-collecting case for $89.95, just 2,012 made. Hurry, operators are standing by!
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Straight line Architecture, with a fresh, dynamic image, open concept room without barriers and excellent finishes
House recently built (2002) architecture based on straight lines, having a fresh image, dynamic, wide open interior spaces without barriers, excellent finishes, two floors plus basement.
The house is built over 300 m2, on the ground floor is the living room, an office room, a loft style kitchen with separate laundry area and courtesy room, all the rooms give outdoor access to the garden of 500 m2 in which a nice porch and a lovely pool are located.
On the first floor, 4 bedrooms (one en suite) two double bedrooms and two single ones including two bathrooms and a wonderful terrace.
Basement: a cellar and a large private garage with storage room. Highlighting the perfect location of the house as it is in the center of the village close to the public transport and amenities, only 25 kilometers away from Barcelona city.


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In millimeter-wave (mmWave) systems, antenna architecture limitations make it difficult to apply conventional fully digital precoding techniques but call for low-cost analog radio frequency (RF) and digital baseband hybrid precoding methods. This paper investigates joint RF-baseband hybrid precoding for the downlink of multiuser multiantenna mmWave systems with a limited number of RF chains. Two performance measures, maximizing the spectral efficiency and the energy efficiency of the system, are considered. We propose a codebook-based RF precoding design and obtain the channel state information via a beam sweep procedure. Via the codebook-based design, the original system is transformed into a virtual multiuser downlink system with the RF chain constraint. Consequently, we are able to simplify the complicated hybrid precoding optimization problems to joint codeword selection and precoder design (JWSPD) problems. Then, we propose efficient methods to address the JWSPD problems and jointly optimize the RF and baseband precoders under the two performance measures. Finally, extensive numerical results are provided to validate the effectiveness of the proposed hybrid precoders.
This paper introduces an iterative optimization framework to tackle the multi-group multicast Max-Min transmit beamforming problem. In each iteration, the optimization problem is decomposed into four sub-problems, all of which can be solved using computationally efficient algorithms. The advantage of proposed method lies in its ability to handle different types of signal constraints like total power and unimodularity; a feature not exhibited by other techniques. The proposed technique outperforms the well-known semidefinite relaxation method in terms of quality of solutions.
This paper introduces a new iterative approach to solve or to approximate the solutions of the nonconvex quadratically constrained quadratic programs (QCQP). First, this constrained problem is transformed to an unconstrained problem using a specialized penalty-based method. A tight upper-bound for the alternative unconstrained objective is introduced. Then an efficient minimization approach to the alternative unconstrained objective is proposed and further studied. The proposed approach involves power iterations and minimization of a convex scalar function in each iteration, which are computationally fast. The important design problem of multigroup multicast beamforming is formulated as a nonconvex QCQP and solved using the proposed method.
In this paper, we investigate joint beamforming and power allocation in multicell multiple-input single-output (MISO) downlink networks. Our goal is to maximize the utility function defined as the ratio between the system weighted sum rate and the total power consumption subject to the users' quality of service requirements and per-base-station (BS) power constraints. The considered problem is nonconvex and its objective is in a fractional form. To circumvent this problem, we first resort to an virtual uplink formulations of the the primal problem by introducing an auxiliary variable and applying the uplink-downlink duality theory. By exploiting the analytic structure of the optimal beamformers in the dual uplink problem, an efficient algorithm is then developed to solve the considered problem. Furthermore, to reduce further the exchange overhead between coordinated BSs in a large-scale antenna system, an effective coordinated power allocation solution only based on statistical channel state information is reached by deriving the asymptotic optimization problem, which is used to obtain the power allocation in a long-term timescale. Numerical results validate the effectiveness of our proposed schemes and show that both the spectral efficiency and the energy efficiency can be simultaneously improved over traditional downlink coordinated schemes, especially in the middle-high transmit power region.
Design of high bandwidth and reliable feeder links are central toward provisioning new services on the user link of a multibeam satellite communication system. Toward this, utilization of the Q/V band and an exploitation of multiple gateways (GWs) as a transmit diversity measure for overcoming severe propagation effects are being considered. In this context, this contribution deals with the design of a feeder link comprising N + P GWs (N active and P redundant GWs). Toward provisioning the desired availability, a novel switching scheme is analyzed and practical aspects such as prediction-based switching and switching rate are discussed. Unlike most relevant works, a dynamic rain attenuation model is used to analytically derive average outage probability in the fundamental 1 + 1 GW case. Building on this result, an analysis for the N + P scenario leading to a quantification of the end-to-end performance is provided. This analysis aids system sizing by illustrating the interplay between the number of active and redundant GWs on the chosen metrics: average outage and average switching rate.
n this work, we study the design of a precoder on the user downlink of a multibeam satellite channel. The variations in channel due to phase noise introduced by on-board oscillators and the long round trip delay result in outdated channel information at the transmitter. The phase uncertainty is modelled and a robust design framework is formulated based on availability and power constraints. The optimization problem is cast into the convex paradigm after approximations and the benefits of the resulting precoder are highlighted.
This work addresses channel estimation in multiple antenna multicell interference-limited networks. Channel state information (CSI) acquisition is vital for interference mitigation. Wireless networks often suffer from multicell interference, which can be mitigated by deploying beamforming to spatially direct the transmissions. The accuracy of the estimated CSI plays an important role in designing accurate beamformers that can control the amount of interference created from simultaneous spatial transmissions to mobile users. Therefore, a new technique based on the structure of the spatial covariance matrix and the discrete cosine transform (DCT) is proposed to enhance channel estimation in the presence of interference. Bayesian estimation and least squares estimation frameworks are introduced by utilizing the DCT to separate the overlapping spatial paths that create the interference. The spatial domain is thus exploited to mitigate the contamination which is able to discriminate across interfering users. Gains over conventional channel estimation techniques are presented in our simulations which are also valid for a small number of antennas.
We consider the problem of estimating a deterministic unknown vector which depends linearly on noisy measurements, additionally contaminated with (possibly unbounded) additive outliers. The measurement matrix of the model (i.e., the matrix involved in the linear transformation of the sought vector) is assumed known, and comprised of standard Gaussian i.i.d. entries. The outlier variables are assumed independent of the measurement matrix, deterministic or random with possibly unknown distribution. Under these assumptions we provide a simple proof that the minimizer of the Huber penalty function of the residuals converges to the true parameter vector with a root n-rate, even when outliers are dense, in the sense that there is a constant linear fraction of contaminated measurements which can be arbitrarily close to one. The constants influencing the rate of convergence are shown to explicitly depend on the outlier contamination level.
Energy efficiency optimization of wireless systems has become urgently important due to its impact on the global carbon footprint. In this paper we investigate energy efficient multicell multiuser precoding design and consider a new criterion of weighted sum energy efficiency, which is defined as the weighted sum of the energy efficiencies of multiple cells. This objective is more general than the existing methods and can satisfy heterogeneous requirements from different kinds of cells, but it is hard to tackle due to its sum-of-ratio form. In order to address this non-convex problem, the user rate is first formulated as a polynomial optimization problem with the test conditional probabilities to be optimized. Based on that, the sum-of-ratio form of the energy efficient precoding problem is transformed into a parameterized polynomial form optimization problem, by which a solution in closed form is achieved through a two-layer optimization. We also show that the proposed iterative algorithm is guaranteed to converge. Numerical results are finally provided to confirm the effectiveness of our energy efficient beamforming algorithm. It is observed that in the low signal-to-noise ratio (SNR) region, the optimal energy efficiency and the optimal sum rate are simultaneously achieved by our algorithm; while in the middle-high SNR region, a certain performance loss in terms of the sum rate is suffered to guarantee the weighed sum energy efficiency.
The evolution of cellular networks is driven by the dream of ubiquitous wireless connectivity: any data service is instantly accessible everywhere. With each generation of cellular networks, we have moved closer to this wireless dream; first by delivering wireless access to voice communications, then by providing wireless data services, and recently by delivering a Wi-Fi-like experience with wide-area coverage and user mobility management. The support for high data rates has been the main objective in recent years [1], as seen from the academic focus on sum-rate optimization and the efforts from standardization bodies to meet the peak rate requirements specified in IMT-Advanced. In contrast, a variety of metrics/objectives are put forward in the technological preparations for fifth-generation (5G) networks: higher peak rates, improved coverage with uniform user experience, higher reliability and lower latency, better energy efficiency (EE), lower-cost user devices and services, better scalability with number of devices, etc. These multiple objectives are coupled, often in a conflicting manner such that improvements in one objective lead to degradation in the other objectives. Hence, the design of future networks calls for new optimization tools that properly handle the existence of multiple objectives and tradeoffs between them.


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Balanced Body COREterly
Spring 2016
A Pilates Bibliography
by Joy Puleo
If you're looking for some scholarly resources on Pilates or mindful movement, we hope you find this bibliography useful. It is the result of months of research on an article that I am currently writing on mindfulness, mind-body movement, and aging. I have omitted many sources that are specific to aging. The article links will take you to the article's abstract, and where available, the full PDF.
A few things to keep in mind.
- These are only a sampling of articles. There are some that I could not access and there are some that did not fit my original search parameters, but this listing should get you started on your own research journey if you follow additional citations in articles that appeal to you.
- Upon reading many of the articles, I found much of the research in our field to be young, thus a bit rough and at times, immature. In addition, given the complexity of Pilates as a movement system, it is not so easy to answer one narrow hypothetical question through a scientific methodology. For this reason, many of the articles will claim to be "inconclusive". However, what I took from all these articles, whether the methods were questionable or results inconclusive, is that there are trends emerging. Trends that understand mindful movement, and the role that Pilates has in physical fitness, rehabilitation and overall wellness. This is exciting news!
I am looking forward to seeing how research grows to reflect and support what many of us know and see everyday. Pilates changes lives!
AbramavičiŬtė, V., Zaičenkovienė, K., & Sujeta, A. (2013). The influence of Pilates exercise on women's anthrophometry indices, core muscle performance and heart rate changes during the session. Indexed in Central and Eastern European Academic Source (EBSCO), IndexCopernicus, SPORTDiscus with Full Text (EBSCO)., 5.
Aladro-Gonzalvo, A. R., Machado-Díaz, M., Moncada-Jiménez, J., Hernández-Elizondo, J., & Araya-Vargas, G. (2012). The effect of Pilates exercises on body composition: a systematic review. Journal of bodywork and movement therapies, 16(1), 109-114.
Aladro-Gonzalvo, A. R., Araya-Vargas, G. A., Machado-Díaz, M., & Salazar-Rojas, W. (2013). Pilates-based exercise for persistent, non-specific low back pain and associated functional disability: a meta-analysis with meta-regression. Journal of bodywork and movement therapies, 17(1), 125-136.
Andersen, S. R., Würtzen, H., Steding-Jessen, M., Christensen, J., Andersen, K. K., Flyger, H., ... & Dalton, S. O. (2013). Effect of mindfulness-based stress reduction on sleep quality: results of a randomized trial among Danish breast cancer patients. Acta Oncologica, 52(2), 336-344.
Baer, R. A. (2003). Mindfulness training as a clinical intervention: A conceptual and empirical review. Clinical psychology: Science and practice,10(2), 125-143.
Bandura, A. (2004). Health promotion by social cognitive means. Health education & behavior, 31(2), 143-164.
Bandura, A. (1995). Self-efficacy in changing societies. Cambridge university press.
Bandura, A., & Schunk, D. H. (1981). Cultivating competence, self-efficacy, and intrinsic interest through proximal self-motivation. Journal of personality and social psychology, 41(3), 586.
Barbosa, A. W. C., Guedes, C. A., Bonifácio, D. N., de Fátima Silva, A., Martins, F. L. M., & Barbosa, M. C. S. A. (2015). The Pilates breathing technique increases the electromyographic amplitude level of the deep abdominal muscles in untrained people. Journal of bodywork and movement therapies, 19(1), 57-61.
Barker, A. L., Talevski, J., Bohensky, M. A., Brand, C. A., Cameron, P. A., & Morello, R. T. (2015). Feasibility of Pilates exercise to decrease falls risk: A pilot randomized controlled trial in community-dwelling older people.Clinical rehabilitation, 0269215515606197.
Bergamin, M., Gobbo, S., Bullo, V., Zanotto, T., Vendramin, B., Duregon, F., ... & Ermolao, A. (2015). Effects of a Pilates exercise program on muscle strength, postural control and body composition: results from a pilot study in a group of post-menopausal women. Age, 37(6), 1-8.
Berger, B. G., & Owen, D. R. (1992). Mood alteration with yoga and swimming-aerobic exercise may not be necessary. Perceptual and Motor skills, 75(3f), 1331-1343.
Bullo, V., Bergamin, M., Gobbo, S., Sieverdes, J. C., Zaccaria, M., Neunhaeuserer, D., & Ermolao, A. (2015). The effects of Pilates exercise training on physical fitness and wellbeing in the elderly: a systematic review for future exercise prescription. Preventive medicine, 75, 1-11.
Bird, M. L., Hill, K. D., & Fell, J. W. (2012). A randomized controlled study investigating static and dynamic balance in older adults after training with Pilates. Archives of physical medicine and rehabilitation, 93(1), 43-49.
Caldwell, K., Adams, M., Quin, R., Harrison, M., & Greeson, J. (2013). Pilates, mindfulness and somatic education. Journal of dance & somatic practices, 5(2), 141.
Cancela, J. M., de Oliveira, I. M., & Rodríguez-Fuentes, G. (2014). Effects of Pilates method in physical fitness on older adults. A systematic review.European Review of Aging and Physical Activity, 11(2), 81-94.
Cancelliero-Gaiad, K. M., Ike, D., Pantoni, C. B., Borghi-Silva, A., & Costa, D. (2014). Respiratory pattern of diaphragmatic breathing and pilates breathing in COPD subjects. Brazilian journal of physical therapy, 18(4), 291-299.
Choi, J. H. (2014). Effects of Eight-week Pilates Training on Elderly People's Dynamic and Static Balance Abilities. J Korean Soc Phys Med, 9(3), 325-331.
Costa, L. O., Hancock, M., Maher, C. G., Ostelo, R. W., & Cabral, C. (2012). Pilates for low‐back pain. The Cochrane Library.
Crane-Okada, R., Kiger, H., Anderson, N. L., Carroll-Johnson, R. M., Sugerman, F., Shapiro, S. L., & Wyman-McGinty, W. (2012). Participant perceptions of a mindful movement program for older women with breast cancer: focus group results. Cancer nursing, 35(3), E1-E10.
Cristóbal, R. V., Cárceles, F. A., Ros, F. E., Plaza, D. L., Rodríguez, J. M. M., & Miñarro, P. A. L. (2014). Body composition and morphological characteristics in women reformer Pilates practitioners. Archivos de medicina del deporte: revista de la Federación Española de Medicina del Deporte y de la Confederación Iberoamericana de Medicina del Deporte, (164), 397-404.
Cruz-Ferreira, A., Fernandes, J., Laranjo, L., Bernardo, L. M., & Silva, A. (2011). A systematic review of the effects of pilates method of exercise in healthy people. Archives of physical medicine and rehabilitation, 92(12), 2071-2081.
Cullen, M. (2011). Mindfulness-based interventions: An emerging phenomenon. Mindfulness, 2(3), 186-193.
da Fonseca, J. L., Magini, M., & de Freitas, T. H. (2009). Laboratory gait analysis in patients with low back pain before and after a pilates intervention.Journal of Sport Rehabilitation, 18(2), 269.
de Oliveira Francisco, C., de Almeida Fagundes, A., & Gorges, B. (2015). Effects of Pilates method in elderly people: Systematic review of randomized controlled trials. Journal of bodywork and movement therapies,19(3), 500-508.
Gladwell, V., Head, S., Haggar, M., & Beneke, R. (2006). Does a program of Pilates improve chronic non-specific low back pain?. Journal of sport rehabilitation, 15(4), 338.
Fourie, M., Gildenhuys, G. M., Shaw, I., Toriola, A., & Goon, D. (2012). Effects of a mat Pilates programme on muscular strength and endurance in elderly women. AJPHERD, 18, 299-307.
Freeman, J. A., Gear, M., Pauli, A., Cowan, P., Finnigan, C., Hunter, H., ... & Thain, J. (2010). The effect of core stability training on balance and mobility in ambulant individuals with multiple sclerosis: a multi-centre series of single case studies. Multiple sclerosis.
Freeman, J., Fox, E., Gear, M., & Hough, A. (2012). Pilates based core stability training in ambulant individuals with multiple sclerosis: protocol for a multi-centre randomised controlled trial. BMC neurology, 12(1), 1.
Gladwell, V., Head, S., Haggar, M., & Beneke, R. (2006). Does a program of Pilates improve chronic non-specific low back pain?. Journal of sport rehabilitation, 15(4), 338.
ĠREZ, G. B. (2009). Pilates exercise positively affects balance, reaction time, muscle strength, number of falls and psychological parameters in 65+ years old women (Doctoral dissertation, Middle East Technical University).
Herrington, L., & Davies, R. (2005). The influence of Pilates training on the ability to contract the transversus abdominis muscle in asymptomatic individuals. Journal of bodywork and movement therapies, 9(1), 52-57.
Irez, G. B. (2014). The effects of different exercises on balance, fear and risk of falling among adults aged 65 and over. Anthropologist, 18(1), 129-134.
Johnson, L., Putrino, D., James, I., Rodrigues, J., Stell, R., Thickbroom, G., & Mastaglia, F. L. (2013). The effects of a supervised Pilates training program on balance in Parkinson's disease.
Keays, K. S., Harris, S. R., Lucyshyn, J. M., & MacIntyre, D. L. (2008). Effects of Pilates exercises on shoulder range of motion, pain, mood, and upper-extremity function in women living with breast cancer: a pilot study.Physical Therapy, 88(4), 494-510.
Kloubec, J. A. (2010). Pilates for improvement of muscle endurance, flexibility, balance, and posture. The Journal of Strength & Conditioning Research, 24(3), 661-667.
Küçük, F., & Livanelioglu, A. (2015). Impact of the clinical Pilates exercises and verbal education on exercise beliefs and psychosocial factors in healthy women. Journal of physical therapy science, 27(11), 3437.
Kim, H. J., Kim, J., & Kim, C. S. (2014). The effects of pilates exercise on lipid metabolism and inflammatory cytokines mRNA expression in female undergraduates. Journal of Exercise Nutrition & Biochemistry, 18(3), 267.
Konstantaki, M., Fasbender, J., & Cudmore, T. The Effects Of A Pilates Intervention On Arterial Stiffness And Trunk Flexibility.
La Forge, R. (1997). Mind-body fitness: encouraging prospects for primary and secondary prevention. Journal of Cardiovascular Nursing, 11(3), 53-65.
La Forge, R. (2005). Aligning mind and body: Exploring the disciplines of mindful exercise. ACSM's Health & Fitness Journal, 9(5), 7-14.
Lange, C., Unnithan, V. B., Larkam, E., & Latta, P. M. (2000). Maximizing the benefits of Pilates-inspired exercise for learning functional motor skills.Journal of bodywork and Movement Therapies, 4(2), 99-108.
Lim, E. C. W., Poh, R. L. C., Low, A. Y., & Wong, W. P. (2011). Effects of Pilates-based exercises on pain and disability in individuals with persistent nonspecific low back pain: a systematic review with meta-analysis. journal of orthopaedic & sports physical therapy, 41(2), 70-80.
Marandi, S. M., Nejad, V. S., Shanazari, Z., & Zolaktaf, V. (2013). A comparison of 12 weeks of Pilates and aquatic training on the dynamic balance of women with multiple sclerosis. International journal of preventive medicine, 4.
Marinda, F., Magda, G., Ina, S., Brandon, S., Abel, T., & Ter Goon, D. (2013). Effects of a mat pilates program on cardiometabolic parameters in elderly women. Pakistan journal of medical sciences, 29(2), 500.
Martins-Meneses, D. T., Antunes, H. K. M., de Oliveira, N. R. C., & Medeiros, A. (2015). Mat Pilates training reduced clinical and ambulatory blood pressure in hypertensive women using antihypertensive medications.International journal of cardiology, 179, 262-268.
Miyamoto, G. C., Costa, L. O., Galvanin, T., & Cabral, C. M. (2011). The efficacy of the addition of the Pilates method over a minimal intervention in the treatment of chronic nonspecific low back pain: a study protocol of a randomized controlled trial. Journal of chiropractic medicine, 10(4), 248-254.
Netz, Y., & Lidor, R. (2003). Mood alterations in mindful versus aerobic exercise modes. The Journal of psychology, 137(5), 405-419.
Ono, C. (2010). Determination of cardiorespiratory response during mat Pilates exercise (Doctoral dissertation, CALIFORNIA STATE UNIVERSITY, LONG BEACH).
Ott, A. (2015). Is Pilates-based Exercise Effective In Improving Balance In HealthyAdults Over The Age Of 18?.
Pereira, L. M., Obara, K., Dias, J. M., Menacho, M. O., Guariglia, D. A., Schiavoni, D., ... & Cardoso, J. R. (2012). Comparing the Pilates method with no exercise or lumbar stabilization for pain and functionality in patients with chronic low back pain: systematic review and meta-analysis. Clinical rehabilitation, 26(1), 10-20.
Phrompaet, S., Paungmali, A., Pirunsan, U., & Sitilertpisan, P. (2011). Effects of pilates training on lumbo-pelvic stability and flexibility. Asian Journal of sports medicine, 2(1), 16-22.
Rogers, K., & Gibson, A. L. (2009). Eight-week traditional mat Pilates training-program effects on adult fitness characteristics. Research quarterly for exercise and sport, 80(3), 569-574.
Rydeard, R., Leger, A., & Smith, D. (2006). Pilates-based therapeutic exercise: effect on subjects with nonspecific chronic low back pain and functional disability: a randomized controlled trial. Journal of orthopaedic & sports physical therapy, 36(7), 472-484.
Segal, N. A., Hein, J., & Basford, J. R. (2004). The effects of Pilates training on flexibility and body composition: an observational study. Archives of physical medicine and rehabilitation, 85(12), 1977-1981.
Sekendiz, B., Altun, Ö., Korkusuz, F., & Akın, S. (2007). Effects of Pilates exercise on trunk strength, endurance and flexibility in sedentary adult females. Journal of Bodywork and Movement Therapies, 11(4), 318-326.
Sorosky, S., Stilp, S., & Akuthota, V. (2008). Yoga and pilates in the management of low back pain. Current reviews in musculoskeletal medicine,1(1), 39-47.
Surbala, L., Khuman, P. R., Gopal Nambi, S., & Kalpesh, S. (2013). Pilates in Functional Balance and Quality of Life in Sub-Acute Stroke Subjects–A Randomized Controlled Study. International Journal of Health and Rehabilitation Sciences (IJHRS), 2(4), 204-211.
Venugopal, S., & Anbalagan, P. (2013). Isolated and combined effects of Pilates training and yogic practice on the systolic blood pressure and diastolic blood pressure of obese male adolescents. International Journal of Advanced Life Sciences, 6(2), 102-106.
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What are the Best Debt Consolidation Companies in Port Orange FL
Who has the best Port Orange debt consolidation services?
Port Orange consolidation services offer a way of taking multiple debts and taking them all and wrapping them together into one payment. So if you have 5 different Port Orange loans, each with a different interest rate and length, a Port Orange debt consolidation loan will pay these off and then you will be left with one Port Orange loan with a total on the loan of all the paid off loans. The best part is that these types of Port Orange consolidation loans typically have lower interest rates than the ones you are getting rid of.
What is the best place in Florida to find Port Orange credit consolidation lenders?
Search online for the best debt consolidation lenders in Port Orange FL. The reason the best place to find Port Orange debt consolidation lenders in Florida is because you will be able to find the right Port Orange lender for you. Your local Port Orange banks may not specialize in the right Port Orange consolidation loans for you or have Florida lending standards that are too stringent. By searching for the best Florida debt consolidation loans online, you can assure yourself of getting the right Port Orange loan.
More On Debt Consolidation Loans in Port Orange FL
As I said above, prior to the credit crunch we had basically "easy money" whereby the Port Orange banks were encouraged to lend to pretty much anyone in Florida with a pulse. As the economy tanked and their Port Orange debts mounted, a large portion of these people who got easy credit are now looking for Port Orange credit consolidation programs. These Port Orange loans can be obtained but they are just like any other Port Orange loan. Your Florida credit rating, your ability to repay the Port Orange loan, an availability of collateral to secure the loan and the current Port Orange bank policies on Florida lending will determine if you get a Port Orange consolidation loan or not.
Where Is The Best Port Orange Loan Consolidation Service?
As I discussed above, the typical Port Orange loan consolidation service usually has a lower interest rate than the standard Florida loan that is putting you in the poor house. Be aware that just because you are in trouble with your Port Orange monthly payments, does not mean that you will automatically get Port Orange loan consolidation.
Where Can I find The Best Port Orange Debt Consolidation Help?
I spoke of collateral before and this is a big aspect of why Port Orange debt consolidation lenders may give you Port Orange loan consolidation. Unsecured Port Orange loans are the riskiest loans to give by a Florida lender. This is because if the Port Orange loan is defaulted on, the bank cannot get the money back. By requiring collateral to provide security on a loan (as some Port Orange banks do for Port Orange debt consolidation loans) the bank reduces their risk for the loan. A secured Port Orange loan allows the lender to offer the loan to you and then to offer the Port Orange loan at a reduced interest rate. Be careful to make sure you pay off the Port Orange credit card consolidation loan on time. If you were required to put up collateral and you default, the Port Orange bank will take that collateral as a way to recoup their loss.
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Our local MP, Mrs Helen Whately sends out a regular newsletter and in her current edition out today two items specifically relate to Hollingbourne and these are the loss of an early morning train service to London and the use of the M20 between Junctions 8 and 9 for storing 3000 trucks that may have to queue to pass through Customs at Dover after Brexit if there is no frictionless Customs arrangement like the present Customs Union.
The item relating to local train services is as follows:-
Rough ride for commuters
Commuters face a tough ride on too many services: delays, long journey times, and out-of-date carriages. That's why I was dismayed when I saw the new timetables. The proposed new timetable would see the loss of a service arriving in London before 9am along the Maidstone East line serving Lenham, Harrietsham, Hollingbourne and Bearsted. If the changes go ahead, one of the peak time services from Faversham to London Victoria will also be lengthened by 12 minutes, which adds up to an extra hour on the train in the mornings over the course of a week.
This simply isn't good enough, so I organised for a group of Kent MPs with the Rail Minister and Southeastern to press our concerns. He left in no doubt that these changes will add considerable time to some journey. I've also written in no uncertain terms to Southeastern and the Rail Minister asking for answers and to keep these vital services as they are.
More information about the Hollingbourne train timetable from 20th May is at http://www.hollingbournepc.kentparishes.gov.uk/south-eastern-trains-launches-new-hollingbourne-timetable-on-20th-may/
The item relating to using the M20 between Hollingbourne and Ashford for storing lorries awaiting Customs at Dover and the Channel Tunnel after Brexit is as follows:-
Kent's roads must be ready for Brexit
With 5,000 lorries arriving in Kent every day from mainland Europe, and another 5,000 leaving, delays at the border will quickly lead to queues forming on both sides of the channel. It's in the EU's interest to avoid that, just as it's in ours – but in any event, we need to be prepared
That's why I organised for a group of Kent MPs recently met the Transport Secretary, Chris Grayling, together with the head of Highways England. We need to be sure that Kent's roads are ready for Brexit.
We have the £250m commitment for a lorry holding area which Kent MPs won from the Government in 2015, but that won't be ready for spring next year. Instead, we need better temporary options. I have insisted that the M20 must be kept flowing in both directions.
Highways England have come up with a plan to use the hard shoulder and gaps in the central barriers – providing capacity for 3,000 queuing lorries and two-way flow of traffic. This summer, work will be carried out to harden the hard shoulder in preparation.
Meanwhile, work needs to continue on a longer term system for managing delays. We can expect a consultation on this later in the year.
The Port of Dover currently processes a lorry in average of 2 minutes through Customs and it is expected that this will increase to 20 minutes without the present or similar arrangements. Imperial College in London for BBC South East has forecast that an increase to 4 minutes will create a 17 mile tailback on the M20 and Kent County Council has already publicly expressed their concerns about the effect of delays on traffic across Kent which could lead to Operation Stack on a daily basis. It is expected that a 20 minute delay will cause traffic jams back to the M25 and beyond with local roads including those in Hollingbourne being gridlocked.
Mrs Helen Whately, MP for Faversham and Mid Kent, can be contacted at firstname.lastname@example.com
Pictured below is Mrs Whately.


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Wholesale – Is It Worth the Cost?
If you're reading the title of this article and wondering if it's a misprint, it is not. Wholesale many times comes at a cost that people don't realize or don't think about until it's too late. This article will try to shed some light on some of the pitfalls of buying wholesale. There is an old saying that goes, "You don't get anything for nothing" and that is so true with buying wholesale. Let's take a look at a few real life examples and you'll understand the […]More info


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text: LONDON (MarketWatch) -- Goldman Sachs said Friday that European banks could need to raise around 60 billion euros ($94 billion) in additional capital, or withhold dividend payments for a year, if recent moves by several banks to strengthen their balance sheets set a new benchmark for capital levels. The broker added that figure could rise to over 90 billion euros if a turn in the European credit cycle triggered losses in line with those seen in the early 1990s. The broker made several rating changes, including downgrading Swedbank SWED.A, +1.91%, Carnegie and Bankinter BKNIY, +3.48% to sell from neutral, cutting Banco Santander STD, +0.58% to neutral from buy on valuation grounds and upgrading Handelsbanken to neutral from sell. Goldman said it's cut earnings estimates through 2010 for over 40 banks and its forecasts now stand, on average, 12% below consensus.


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Gypsy Shetland Sheepdogs is a small hobby kennel, currently located in Columbus, Ohio. All the dogs are part of the family, but they also work in various activities including: conformation, obedience, agility, and herding.
Visit "The Dogs" and see their pedigrees..
Thanks for letting me brag! See you at the shows!!
Home / The Dogs / Mack / Ben / Buddy / Shelly / Links
The material and photos in this site are private property and copyrighted. Under no circumstances should they be lifted or used without the express permission of the owner.


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San Diego Restaurant Week kicks off this weekend, there's a few Dr. Martin Luther King Jr. celebrations, and more events and family activities are going on this weekend in San Diego County!
San Diego Restaurant Week
Over 180 restaurants are offering deals for the eight days of San Diego Restaurant Week. Three-course dinners start at $20 and two-course lunches begin at $10.
When: January 20 – 27, 2019
Where: All over San Diego County
Cost: Starting at $10 for lunches and $20 for dinners
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Travel & Adventure Show
The nation's largest travel show will feature exhibitors from more than 200 global travel destinations, thousands of travel experts to help guests plan trips, and exclusive show-only travel deals.
When: Saturday & Sunday, January 19 & 20
Where: San Diego Convention Center | 111 West Harbor Dr., San Diego
Cost: $11 – $22
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9th Annual Dr. Martin Luther King Jr. Community Celebration & Sportsfest
Celebrate the life and legacy of Dr. Martin Luther King Jr. at this free community event at Martin Luther King Memorial Park on Skyline Drive. Attendees can enjoy a kids zone, live entertainment, basketball, vendor booths and photo booths.
When: Saturday, January 20 | 8am – 4pm
Where: Martin Luther King Memorial Park | 6401 Skyline Dr, San Diego, CA 92114
Cost: Free
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The Sky Tonight: Lunar Eclipse
Join us at the Fleet on Sunday, January 20, to celebrate a fascinating lunar eclipse. The spectacle will also feature a beautiful, rare, red moon before the eclipse begins. Beginning at 4 p.m., you can participate in solar system-themed, hands-on activities in the theater lobby. At 6 p.m., make your way to the Heikoff Giant Dome Theater for a special viewing of one of the Fleet's most popular films, Hubble, narrated by the one and only Leonardo DiCaprio. At 7:30 p.m., the Fleet's resident astronomer, Dr. Lisa Will, will take you on a journey through our solar system and explain more about lunar eclipses during an exclusive presentation of the Fleet's The Sky Tonight planetarium show. Following the lecture, the San Diego Astronomy Association invites you to use their telescopes to see the lunar eclipse and the red moon.
When: Sunday, Jan. 20 | 4:30 – 9pm
Where: Fleet Science Center | 1875 El Prado Balboa Park, San Diego, CA 92101
Cost: $19.95–$21.95
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39th Annual Dr. Martin Luther King, Jr. Parade
Join us on Harbor Drive Monday, Jan. 21, 2019 at 2 p.m. for the 39th Annual Martin Luther King Jr. Parade. This is one of the largest celebrations of its kind in the United States in honor of Dr. Martin Luther King Jr.
The parade is filled with dazzling floats, phenomenal high school bands, drill teams, college, fraternities & sororities, churches, peace and youth organizations.
When: Monday, Jan. 21 | 2pm
Where: Harbor Drive – Embarcadero, San Diego, CA
Cost: Free
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