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38 Country Club Dr., Palm Desert, CA 92260
- $72,500
- 1+ Years on site
- Est: $269/month
Estimate Your Monthly Payment
Data provided by Informa Research Services. Payments do not include amounts for taxes and insurance premiums. The actual payment obligation will be greater if taxes and insurance are included. Click here for more information on rates and product details.
- Mortgage Center
- Beds: 2
- Baths: 2 Full
- Single Family Home
- 1,630 sq ft
Send this listing to your phone for free! Msg: RJSA To: 26971 Welcome to 38 Country Club Drive. You are at the top of the hill, roughly 700 feet above the valley floor; adjacent to the ultra exclusive Bighorn Golf and Country Club. (Estately homes selling upwards of twenty million dollars.) Feel the gentle breeze and the song birds singing? This is paradise found! We are listing our vintage manufactured home for sale, the home was built in 1972; being a home of 44 years it is a bit dated but lovingly cared for and a well preserved example of gracious California living circa 1972. It has been our true pleasure to have been the caretakers of this property for the past eight years, but times are changing and we are getting a bit older and it's now time for the next chapter in our lives. If you make this YOUR home, I can assure you years from now you will continue to marvel at this special place. The home has a bit over 1600 square feet, we have priced it at $48 per square foot, our closest competition is at: $81! If I priced at $81, I'd be asking $132,000. 00; but to facilitate a quick sell we have priced our vacation home at : $78,995. 00 Thank you for taking the time to stop by. I generally have an open house Saturday's and Sunday's and can show the property with advanced notice by appointment. All perspective buyers must qualify with the mark management in order to purchase in this community. Posted by: RegiserSigns. com helping you rent or sell stuff fast. Get Your Own Free Account Get more info about this property.
- Year Built: 1972
- 1+ Years on site
- Single Family Home
- Beds: 2
- Baths: 2 Full
Listing Details
- Assessed Taxable Amount
- $15,000
- Tax Amount
- $211
- Property Type
- Mobile/Manufactured
- Bedrooms
- 3
- Bathrooms
- 2
- Floors
- 1
- Home Size (Sqft)
- 1,440
- Lot Size (Sqft)
- 1,742,400
- Lot Size (Acres)
- 40.00
- Year Built
- 1972
- Units
- 1
- Fireplace
- Yes
- Heating System
- Central
- Cooling System
- Central
- Architecture Type
- Mobile Home
- Roof Type
- Composition Shingle
Public Facts: As provided by County Assessor and Recorder offices. May not reflect recent additions or improvements. If you see any errors, the best way to get the records updated is to contact your local county records office. If any of the information in this section conflicts with property information provided by a listing agent or broker, agent-provided information should be deemed more reliable.
Local Info
| Median Household Income
| Median Years In Residence
| Median Homeowner Age
| Households with Children
| Percent of Homes Rented
Nearby Elementary Schools
- The Academy Of Palm Desert Community Presbyterian
- 47321 Highway 74
- George Washington Charter
- 45768 Portola Ave
- Montessori School Of The Desert
- 73925 Fred Waring Dr
Nearby Middle Schools
- The Academy Of Palm Desert Community Presbyterian
- 47321 Highway 74
- Sacred Heart School
- 43775 Deep Canyon Rd
- Palm Desert Charter Middle School
- 74200 Rutledge Way
Nearby High Schools
- Palm Desert High School
- 74910 Aztec Rd
- Summit High (Continuation)
- 43330 Palm Royale Dr
- Horizon
- 43330 Palm Royale Dr
These are the closest schools to your requested location. Proximity does not guarantee enrollment eligibility. Please consult your real estate agent or school district to confirm the schools you are zoned to attend.
Property Contact Info
Need More Information?
Please fill out this form to request more photos or more information regarding this property.


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Last year, I was so good about doing yoga regularly. I practiced yoga about 3 times a week for about 6 months … and then I stopped. I mean, I did yoga here and there, but I was just so busy with my final year of graduate school that yoga sadly took a back seat. I have resolved to try and incorporate yoga into my weekly routine again and to practice at least once a week. Even if just for 10 minutes.
As such, I was thrilled when I learned about The Yoga Collective and their fantastic array of online yoga videos! Although I love going to yoga studios, sometimes time (and money) issues can make this difficult. Being able to do yoga at home makes it much more realistic for me to practice yoga on a regular basis.
What is it like to take a Yoga Collective class?
The cool thing about The Yoga Collective is that there actually is a physical studio in Venice Beach, CA, where they shoot their yoga videos. I like that each video is shot in the studio because you really feel as if you are getting the full yoga studio experience from an online yoga class; but from home! When you play a yoga video, it starts with the instructor introducing themselves and explaining each of the poses in an easy to understand fashion. I have to say that so far, Shayna Hiller, is my favorite instructor because I think her voice is incredibly soothing and that she explains the poses and eases you into transitions extremely well. Her 'Birds of a Feather Twist Together' class was fantastic and I highly recommend it.
But what if I've never done yoga before?
That is totally fine! The Yoga Collective has options for you to choose the level, duration, teacher, style and focus of the yoga class. There are lots of options for beginners and more advanced users alike. There is even a whole page dedicated to helping you perfect the moves called free yoga poses. This page has tons of videos of different yoga poses to help walk you through them and to make sure your form is correct (so important in yoga).
If you are a beginner, it is definitely helpful to get private instruction and/or one on one help from a yoga instruction but to be honest, 95% of all the yoga I have done has been at home. It is just so much more convenient.
Giveaway: 1 Year Membership to The Yoga Collective!
I love using The Yoga Collective and I absolutely want you to have that experience as well! The Yoga Collective were kind enough to offer 2 of my readers a 1 year membership to The Yoga Collective. All you have to do is enter using the widget below and follow the instructions; so easy 🙂
I hope you get to check out The Yoga Collective when you can, and best of luck to all of you that have entered!
Honestly yours,
Thank you for all of your support! For more Honestly Fitness, check out my Instagram, Facebook, Twitter & Pinterest and don't forget to subscribe!
Disclaimer: I was given a free 1 year subscription to try out The Yoga Collective and the giveaway was sponsored by The Yoga Collective. My thoughts are always my unbiased and own, and I only showcase what I think will be helpful for your health and fitness journey.

subset: commoncrawl


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Local Nashville Pick-Up available, delivery and shipping available. Credit cards & cash accepted. No checks!
Estate Online Jewelry & More Auction/ Phase 1
Costume Jewerly & More Lot 3Ships from Nashville, TN
Costume Jewerly & More Lot 3
Won by Tina K.
Item Sold
Please review any instructions the seller has provided in their sale terms and conditions. Music City Estate & Moving should contact you within the next few days to finalize your transaction.
Item ended unsold.
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Should you win
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By placing a bid, you agree to our Terms of Use.


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February 06, 2015
Element Fleet Management has hired two vice presidents of sales to represent the Central and West regions in North America.
Element Fleet has hired Tom Bessinger as its vice president of sales for the Central region. He was the director of client relations for Runzheimer International, which offers a business vehicles reimbursement program. He oversaw account management for five years.
Bessinger also spent seven years at GE Capital as a regional sales leader for their fleet management business and 10 years at FedEx in various leadership, training and sales roles.
Suresh Rajapakse joins Element Fleet as vice president of sales for the West region. He was the vice president of sales and account management for Innovation Group where his team managed more than $30 million in annual revenue.
Does anyone proofread these articles?
Bernie Kanavagh from WEX will answer your questions and challenges
Todd Ewing from Fleetmatics will answer your questions and challenges
Merchants Experts will answer your questions and challenges
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I started noticing the swelling shortly after starting the medication. Is this a common or a severe side effect?
Can remeron cause swelling of my legs and feet?
- Asked
- 26 Jul 2010 by champs07
- Active
- 26 Jul 2010
- Topics
- remeron, side effect, swelling
Responses (1)
Yes it can cause an allergic reaction such as "unexplained swelling", which is a SERIOUS SIDE EFFECT WHICH MUST BE REPORTED TO YOUR DOCTOR ASAP.-
Report side effects to FDA at 1-800-FDA-1088.
I hope nothing too serious comes from this and I wish you the best of the best.
Further Information
- Remeron Information for Consumers
- Remeron Information for Healthcare Professionals (includes dosage details)
- Side Effects of Remeron (detailed)
Search for questions
Still looking for answers? Try searching for what you seek or ask your own question.
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Management of counterparty risks: Taking the right risks.
Management of credit risks lies at the core of the banking business, and even with derivative transactions there is a danger of a counterparty failing to meet its contractual obligations. This does not mean that no derivative transactions should be concluded to avoid risks. Rather, what is required is conscious control of counterparty risks. In Risk and Quant Consulting such control includes the avoidance and limitation of undesired risks, diversification and hedging of existing risks, and setting the right incentives for your distribution of derivatives.
In handling counterparty risks, regulatory requirements arising from, amongst others, Basel III must also be observed. Besides calculating risk weightings based on creditworthiness via the standard or the IRB approach, a further challenge arises with derivative transactions in the form of the computation of the exposures. For this, under the framework of CRR II, a new standard approach has been introduced for counterparty risks (SA-CCR). SA-CCR depicts the Potential Future Exposure (PFE) much more realistically than the previous non-model based approaches; however, it involves more complexity in the computation and greater data requirements.
Our advisors support you in projects such as
- Optimization of the control of your counterparty risks
- Analysis of effects and subsequent implementation of upcoming regulatory changes such as SA-CCR
- Selection and implementation of systems to quantify counterparty risks
LPA Risk & Quant Consulting helps you to only enter risks that you want to take on – of course in compliance with all regulatory requirements.


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S.C. Lt. Governor Says "Lazy" People Are Immigration's Cause
Matt | On 26, Apr 2010
Just when you thought the state of South Carolina couldn't put their foot further in their collective mouths.
The state's Lieutenant Governor, Andre Bauer (R), had a few words to say comparing the immigration in his state to that of Arizona's problem. He cut right to the chase and said that "flat-out lazy people" are the reason that immigration is so rampant in South Carolina. He explained that the lazy people won't do the jobs that the immigrants will do – hence the inflow of illegals. Bauer said that, "The problem is we have a give-away system that is so strong that people would rather sit home and do nothing than do these jobs."
Bauer is running for governor of South Carolina, so it's really bothers me that he would attack his own people like that. No matter if they're the laziest things on Earth, they are still his current and future constituents and he owes them a little bit more respect. Yes, it's true that some people will not do the jobs that immigrants TYPICALLY do. But, his comment negates all of the hard-working people who do work near those income levels in silence everyday.
Welfare recipients, in my opinion, don't always factor into this equation. Many people have lost skilled jobs and in a lot of cases are simply overqualified to do other types of work. Everyone on welfare is not lazy, so he needs to shut-down that Ronald Reagan "Welfare Queen" descriptor. It's a tired old rallying cry from the right that paints a "pick yourselves up by the bootstraps picture that's not accurate.
Also, immigrants are not coming to America simply because we have (or had) "Help Wanted" signs out. There are oftentimes several issues they were dealing with back home that required them to leave for a better life. Even when our economy was good and more of our so-called "lazy" people were working, the immigrants were still coming.
I challenge the Lt. Governor to at least think before he speaks. In South Carolina, unfortunately, this has been rather hard for their lawmakers and newsmakers. Dummy…


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- Description
- View Full Specifications
Turn Key
- Year:
- 1981
- Length:
- 61'
- Engine/Fuel Type:
- Twin / diesel
- Located In:
- Norwalk, CT
- Hull Material:
- Fiberglass
- 4184-3026999
- Last Listed Price:
- Sold
Hatteras 61 Motor Yacht
Located within walking distance from the Norwalk, Ct. Boat Show
Motivated Seller
New bottom Paint and Zincs
Ready for Survey
This remarkably well maintained yacht is turn key for her next owner.
- Clean, airy, full of natural light.
- Bridge and pilot house helms
- Updated electronics.
- 4 stateroom with en-suite heads
- Full beam master stateroom with bath tub en-suite.
- New synthetic teak and holly sole.
- 2 generators. Northern Lights is new.
- Bow thruster.
- Many Updates.
- On a recent run her trusty Twin T650 Detroit's ran exceptionally well.
To discuss vessel details please my cell 631-935-4939
For an appointment to see or additional information, please call
Mike O'Rourke 631-935-4939 Cell
Please contact Mike O'Rourke at 516-623-6256
Additional Specs, Equipment and Information:
Boat Name
Builder: Hatteras
Designer: Hatteras
Flag of Registry: United States
LOA: 61 ft 3 in
Beam: 18 ft 2 in
LWL: 55 ft 9 in
Maximum Draft: 4 ft 11 in
Displacement: 82000 lbs
Bridge Clearance: 18 ft 10 in
Freeboard: 6 ft 4 in
Total Power: 1300 HP
Engine 1:
Engine Brand: GM Detroit
Year Built: 1981
Engine Model: 12V - 71 TI's
Engine Type: Inboard
Engine/Fuel Type: Diesel
Location: Starboard
Drive Type: Direct Drive
Engine Power: 650 HP
Engine 2:
Engine Brand: GM Detroit
Year Built: 1981
Engine Model: 12V-71 TI's
Engine Type: Inboard
Engine/Fuel Type: Diesel
Location: Port
Drive Type: Direct Drive
Engine Power: 650 HP
Cruising Speed: 17 knots
Maximum Speed: 20 knots
Fresh Water Tanks: (350 Gallons)
Fuel Tanks: (1170 Gallons)
Holding Tanks: (210 Gallons)
Number of single berths: 4
Number of twin berths: 2
Number of cabins: 4
Number of heads: 4
Navigation center
TV set
CD player
Cockpit speakers
Inside Equipment
Deep freezer
Sea water pump
Electric head
Air conditioning
Hot water
Battery charger
Microwave oven
Electric bilge pump
Bow thruster
Washing machine
Electrical Equipment
Shore power inlet
Outside Equipment/Extras
Swimming ladder
Outboard engine brackets
Cockpit cushions
Cockpit shower
Electric windlass
Bimini Top
The 61 Motor Yacht from Hatteras reflects classic luxury and incorporates a spacious layout and seaworthy hull design.
Ideal for live aboard accommodations, providing private pilot house, on deck galley and dinette, large salon with complete entertainment center.
Four Staterooms with private heads.
Twin walk-in engine rooms.
The Flybridge on Temptation is a step above all else on the water.
She is nearly 18' above sea level, providing 360' views.
Full helm forward with seating for master and two navigators.
Lounging and entertaining could not be better with U- Shaped seating and enough bimini cover to protect you when you have had enough sun.
All the way aft water toys are stored and launch via an electric davit system.
Pilot House
Located on her main deck, you can command the vessel in climate controlled comfort.
Full beam, she has Pilot doors Port and Starboard, accessing walkways and the fore deck.
Large bench seats with upgraded fabrics, this is where you want to be when nature makes the open air challenging.
Temptations Salon has been totally upgraded to rival any NYC apartment.
New window blinds all around to provide privacy or to soften the mid-days light.
Soft Neutral colors and fabrics allow you to create your own accent and high lights on this open floor plan.
Her Sole has been upgrade with a spectacular synthetic teak and holly finish, which covers the salon, galley dinette and pilot house.
Formal dinning area is located midships to entertain family or heads of state.
The Galley is located on the Main deck, mid ships.
She has recently been updated with new:
Full side by side Refrigeration
Opposite the Galley is a wonderful dinette, which is ideal for morning coffee or a full meal with guest.
Hatteras 61 Motor Yacht Features:
Main Deck.
Walkthrough private Pilot house located on the main deck. Her fore deck features large cleats, windlass.
Bench seating.
Flybridge Deck Features:
Full helm with seating for the Master, Navigator and guest.
Aft of the helm is a massive space with comfortable U- shaped cushioned seating accented by folding deck chairs.
All the way aft feature's a Boston Whaler Tender which is hauled and launched by and electric davit.
Master stateroom:
Features: Very Private
Massive full beam aft master stateroom.
Private head with en-suite bathing tub.
Walk-in cedar lined closet.
Well lit with natural lighting
Additional Accomodations Guest Stateroom
Forward or the Master stateroom and the Port side walk in engine compartment is a guest stateroom that is set up to be either a full size bed or removable custom inset for separate beds.
Private head.
Large closet.
Plenty of draws and storage.
Accommodations Guest Staterooms Forward
Forward of the helm:
There are and additional two staterooms each with private heads.
Featuring over and under bunks and private storage and hanging locker.
V-Birth accommodations, features twin, single bunks hanging locker and storage.
Navigation on board has been recently updated with Garmin Chart plotter.
Temptation comes to market with 2 Generators on board to keep you.
Recently updated Northern Lights (2013) 20 KW
Temptations Detroit Diesel 12V - 71 TI's are ready to go in great working order.
They where both major about 1500 hours ago.
The Company offers the details of this vessel in good faith but cannot guarantee or warrant the accuracy of this information nor warrant the condition of the vessel. A buyer should instruct his agents, or his surveyors, to investigate such details as the buyer desires validated. This vessel is offered subject to prior sale, price change, or withdrawal without notice.
Visit Website


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Download fizwoz apk free for Android smartphone
Posted by Fizwoz Inc. in Photography | May 18, 2011 | 0 Comments
Apk file size: 0 bytes
The fizwoz mobile application lets you enter SocialEyes photo and video contests, earn money when you complete photo and video assignments sell photos and videos captured on your Android smartphone to media companies around the world within seconds. If you capture a breaking news story, a celebrity, or something that makes you laugh, use the fizwoz application to auction your images to the highest bidder.
Fizwoz Inc. part of our Photography and have average installs from 5000 to 10000. Last Update May 18, 2011. Google play rating is 70.4762. Current verison is None. Actual size 0 bytes.


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Pancakes & Booze Art Show
Oklahoma City, OK 73108
Underground art and breakfast collide when the Pancakes and Booze Art Show comes to the OKC Farmers Public...Learn More
Underground art and breakfast collide when the Pancakes and Booze Art Show comes to the OKC Farmers Public...Learn More
Spend the evening at the 16th annual All That Jazz, held at Hillcrest Country Club in Bartlesville. At this...Learn More
Experience this annual festival on the campus of Weatherford's Southwest Oklahoma State University and enjoy the...Learn More
Come see country superstars Little Big Town at the Chesapeake Energy Arena for a night of great music and fun. Little...Learn More
Stand up comedian and actor Jim Gaffigan is set to deliver some laughs at the Winstar World Casino in Thackerville....Learn More
Let the good times roll and get in the New Orleans' spirit during the Krewe de Banjo Mardi Gras Party at the...Learn More
Travel to Thackerville's Winstar World Casino to hear country star Gary Allan. Allan is a platinum album artist...Learn More
Tulsa's BOK Center welcomes award-winning entertainer Blake Shelton to the stage for an unforgettable night of...Learn More
Visitors to the State Fiddlers Winter Festival will enjoy live music performed by professional fiddle players along with...Learn More
Tap your toes to the sights and sounds of Dublin Irish Dance at the Armstrong Auditorium in Edmond. This eight member...Learn More


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Corporate Governance and Equity Markets in India
The Reasons for Weak Corporate Governance
Promoters start the company and work really hard to bring success to the new venture in spite of unbearable bureaucratic struggles. Almost all the promoters bribe officials along the way to get things done and this is not an unknown territory to any of us. Bribe and flexibility has become part of our lives and it is natural for human beings (Promoters) to feel that it is legitimate to subvert the system to make some money as they are the ones who have done all the hard work to bring the company to this level. It is another matter that they were able to achive this kind of success because of shareholder money and also they took home exorbitant amount of money as CEO Salary and perks. But how many people are ready to get satisfied with that when our porous laws allow them to make some easy money? Manipulating the share prices does not involve too much risk as in the case of some serious frauds and scams but brings easy money to everyone involved.
The probability to get caught is very minimal in India and if they get caught, it takes lifetime to prove the wrong doing. Even if they are guilty of wrong doing, they have already made enough money for few generations anyway. We do not have the "Working" system (Laws are there) to punish the individuals and prevent such things happening. Most importantly our tolerance level is the highest in the world and we forget things within few weeks and in fact we accept these things very easily. Don't we vote for criminals? Don't we vote for candidates who make false promises? These things have become usual in our country where even Poolan Devi was a MP. How many investors stopped investing in stocks just because there was share manipulation? In fact Foreign Institutional Investors bought more this week than the Domestic Institutional Investors. The reason is that they know these things have been there for many years and only few people and companies get caught. So, the reality is we need to live with all these manipulations, scams and frauds to make money in stock market.
Bank managers take money to approve loans in India since the days of Akbar and Babur and it is funny that our Central Bureau of Investigation (CBI) came to know about this only now. Almost each and every individual who is getting loan is bribing officials and they name it as 'Commission'. LIC Housing Finance Scam came to the lime light only because "Money Matter Financial" was doing this as a business, else it would have been business as usual. So, corporates need to evolve as real corporates and not family run businesses to expect good corporate governance and we are far away from it. Until that happens we need to invest in equity markets assuming that most of the companies do some kind of manipulation in financial statements, tax returns, contracts and share price. I would get surprised only if a company does not do any of these things in India. Not that I am supporting it but I am accepting to live with the reality else I will face the risk of swimming against the tide.
Recent Corporate Governance Issues and Market Volatility
As we have witnessed, there was a housing finance scam as well as share price manipulation issues in some companies. Markets reacted as if these were not expected in a country where Harshad Mehta kind of scams are possible almost everyday. Many stocks belonging to good growth sectors fell steeply and some fell as much as 50-60%. Shrewd investors should have taken this opportunity to invest in good stocks as things will only become normal in a matter of couple of months.
Below are some of the stocks that came down steeply (Many of them recovered swiftly within few days).
ARSS Infrastructure
Parekh Aluminex
Arshiya International
Hanung Toys
Gitanjali Gems
LIC Housing Finance
BGR Energy
Reliance Infrastructure
Bajaj Corp
Anantraj Industries
JSW Energy
SKS Microfinance
Sunil Hitech Engineers
Aban offshore
Indiabulls Real Estate
Indiabulls Financial Service
Central Bank
Amar Remedies
IFB Industries
Gandhimathi Appliances
Videocon Industries
Bajaj Electricals
Patel Engineering
Godrej Consumer Products
Hitachi Home and Life Sciences etc...
I can name many more stocks that gave good opportunities during this period. For example, I bought BGR Energy when it came down to Rs. 560 because of negative news flow and the next day it went up to Rs.700 and still trades in that range. I took a calculated risk as I thought BGR has a good management and they would deal these things appropriately.
Parekh Aluminex came down to Rs.215 from Rs.600 and I do now know how many people took that risk of buying at Rs.215. This stock moved up swiftly and now it is trading at Rs.330 and if someone offers me 50% within a week, I will take it any day.
Arshiya International also moved up significantly and it came down for no reason I believe. So, it is up to us to take calculated risks if we find ourselves in situations like the ones we have witnessed recently. Only thing we need to remember is that time has answers for all the problems and our markets survived even bigger threats in the past and came out only with renewed vigour. My suggestion is to accumulate good stocks, Get rid of bad ones and stay invested. Pressing the panic button only erases your wealth in stock market.
Note: The above mentioned stocks came down significantly during the recent scam announcements but most of them appreciated since then. So, please use your judgment if you are considering to invest in any of those. As you know the price at which you buy the stock is one of the most important things that will decide your returns.
Kumaran SeenivasanRead more...


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Fun Writing PowerPoints for Children
Ready to take your language arts instruction to the next level? With our collection of grammar PowerPoints for elementary students, you can build on the anticipatory sets contained in The Grammarheads' 2011 CD, Rock Your Writing!. Our kid-approved, upbeat educational music is only the beginning of learning with The Grammarheads. With available multimedia presentations, worksheets and lesson plans, it's easier than ever to incorporate 21st century teaching techniques on a limited budget.
Engaging Teaching Tools That Build on The Grammarheads' Music
Full of humor and surprises, The Grammarheads' elementary school writing PowerPoints contain the same level of fun and energy as our kid-approved music and videos. Colorful and interesting, these presentations contain a lesson in topics such as conjunctions, nouns, verbs and sentence fragments. Watch a music video, play the PowerPoint, and then work your magic. First engage, then instruct!
Teacher- and Student-Friendly
As a teacher you want to increase engagement with important topics in the language arts, but not a lot of students have an innate fascination with grammar and parts of speech. Luckily, our grammar PowerPoints make learning fun and inviting for students at multiple skill levels. Developed by teachers to meet the needs of modern learners, our multimedia presentations let students put down their textbooks for a few minutes and interact with language in a new way.
Part of Comprehensive Lesson Planning
As teachers, we struggle everyday with limited resources and students who interact more naturally with computers and video games than with books. The Grammarheads combine modern pedagogical techniques with music, video and multimedia presentations that draw kids in without pandering to them.
The Grammarheads music and writing PowerPoints are created by working teachers rather than a large publishing company. We've made our materials available at a low cost so everyone can benefit.
Browse our selection of fun grammar PowerPoints online today — we're constantly adding new material, so check back often for the latest releases. Oh, and be sure to become a Grammarheads subscriber today!


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Texas Horses Cooler Than Humans In Sweltering Heat At Racetracks
- Jul 24, 1998
- Topics:
The United States is experiencing a record-setting summer, with temperatures in the Southwest topping the 100-degree mark day after day. The suspects among the causes of this heat streak range from global warming to La Niña, none of which is certain. What is certain, however, is the effect of summer heat on horses.
Horses are much like humans in their response to the increase in temperature during the summer months. They generally respond to warm weather by sweating, just as humans do. And like humans, horses can endure a lot of heat if they are in good physical condition, have plenty of water, access to shade and, even better, a bit of natural or machine-generated wind. In a review of several studies on the effect of heat on horses, which was done in anticipation of the 1996 Olympics in Atlanta, Ga., researchers concluded that that there were clear physiological benefits produced from about 14 days of acclimatization to extreme heat. Racehorses that are based in the Southwest are, of course, already acclimatized to heat. And their trainers and grooms monitor their condition daily, provide plenty of water and keep their stalls cool with electric fans. The movement of air is important to horses because when they sweat, water rises to the surface of their skin. Once there, the process of evaporation provides some cooling. Evaporation alone is a relatively slow process. A bit of wind or a breeze from a fan increases the cooling effect dramatically.
On the days they race in hot weather, racehorses are usually given a cooling splash of water right after their tack is removed. Then they're led back to their barn to be walked until their body temperature returns to pre-race levels and they can be bathed. This cool shower, either from a bucket or a water hose, reduces the horse's body temperature quickly.
By taking care of one small but important detail, officials at Lone Star Park at Grand Prairie in Texas report that the horses are faring as well or better this summer than they did during Lone Star's inaugural meeting. According to Lone Star's Director of Media Relations, John W. Naylor, the track has added sources of water along the path that horses take going to and from the barns. (Incidentally, this summer Lone Star had added misters in various locations to make humans at the track more comfortable as well.) "In addition to the water hoses and ice that we have in place near the winner's circle to cool horses after each race," Naylor said, "we've positioned water hoses at 40-yard intervals between the test barn at the beginning of the stable area and the tunnel leading to the paddock. That means cooling water is available at 40-yard intervals from the backstretch, along the outside of the clubhouse turn and along the outside of about a fourth of the stretch-all the way to the point where they step off the track and go to the paddock.
"We've found this to be very important during the races too, as you might imagine," Naylor said. "After one recent race, our leading rider, Marlon St. Julian, found that his horse seemed a little bit wobbly. He got off immediately and led it to one of the hoses along the clubhouse turn. That cured the problem immediately. "
In general, Texas horsemen are experiencing a trouble-free summer according to Texas Thoroughbred Association Executive Director Dave Hooper. "I've spoken to Mike Burleson, who's the deputy director of racing for the Texas Racing Commission. He's in touch with the veterinarians at the tracks and he reports few, if any, problems related to this hot spell.
"I've also spoken with Dale Coleman, who's the stall manager at Lone Star Park," Hooper said, "and Dale said that the placing of additional water hoses this summer has actually caused horses there to have a better time of it. "
Even without cooling water, horses have an added advantage over humans during hot weather because the hair on their bodies will stand up slightly to create air pockets next to their skin. People can approximate this effect by wearing loose clothing in hot weather, but the horse has the system built in.
Despite every effort by human care givers to prevent it, horses can have their health seriously threatened by heat. Horses can be threatened by hyperthermia, which is called either heat exhaustion or heat stroke, just like humans can. Hyperthermia occurs when the horse's heat-regulating mechanism malfunctions. A horse affected by hyperthermia can be working hard, or moving under light exercise conditions, or can be in a stall. The most important factors in causing hyperthermia remain high temperatures and humidity coupled with poor ventilation.
When hyperthermia occurs, the horse's circulatory system begins to stall because its blood vessels begin to enlarge, in the process lowering the horse's blood pressure. That means the horse's body cannot dissipate heat as it must in hot weather. Of the two, heat stroke is more serious than heat exhaustion because heat stroke can lead quickly to death. That's the bad news. The good news is that both heat exhaustion and heat stroke are easily preventable, as long as humans are around to intervene with their common sense and knowledge of what's right for the horse.
Horses can also suffer from anhidrosis, also called dry-coat, which is the loss of a horse's ability to sweat. Anhidrosis usually affects horses that have been raised in temperate climates and moved to hot, humid climates. Horses that are raised in hot, humid climates seldom develop the disorder and not all horses are susceptible to it. The only way to prevent anhidrosis is to avoid hot, humid climates with horses that are susceptible.
In connection with the studies and trials done prior to the '96 Olympics, a number of cooling studies were carried out by various groups that indicated the benefits of "super cooling" by using large quantities of cool water. This would be applied by teams of two to four people using large sponges for 30 seconds, scraping the water off and walking the horse for 30 seconds and then repeating the procedure until the animal was effectively cooled. The post-race bath produces the same effect for racehorses, who may also stand in ice water to shrink the blood vessels in their feet. This increases blood circulation and helps the horse to get rid of its body heat.
Mostly, caring for horses in summer weather all comes down to common sense, an uncommon amount of real, everyday care and immediate professional help when all else fails. But most of all, that care still comes down to a human hand, a sponge and a bucket of cold water after a horse has run its race.
Related Content
Using Vital Signs to Monitor Racehorses
Feeding and Fueling Racehorses
AAEP On Call Veterinarian Case Examples
Bandaging Racehorses' Legs
Kentucky Derby: On Call Vets' Familiarity With Contenders
Medications in Horse Racing
AAEP On Call Program at the Kentucky Derby
Shoeing Racehorses
Horses that won't Sweat: Anhidrosis
Results of Standing Fracture Repair in Racehorses Examined


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Coupon Queen: Coupons leave a remarkable paper trailJun 29th, 2013 | By admin
Coupon Queen: Coupons leave a remarkable paper trail You recently wrote about stores getting reimbursed by the manufacturer. As a long-time couponer, it's interesting to learn about couponing from the store's and manufacturer's ends. I am very interested in how this reimbursement works. Do See all stories on this topic June 30, 2013 – The
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The Tohaa are Here… Exclusive Video!
August 6, 2012 by warzan
Here's the first look at the Tohaa models, the fantastic new faction for Infinity!
August 6, 2012 by warzan
Here's the first look at the Tohaa models, the fantastic new faction for Infinity!
BoW I <B U
They look like a mix between nomad and vampire!
I'm not sure that they will come in peace!
Not sure the Tohaa are for me. I think I'll stick with my Aleph / CA armies.
The books looks to be really packed – almost always good!
But the Tohaa models don't do it for me. Hopefully the future models will.
I want those models more than a bacon topped bacon butty with bacon flavoured bacon sauce!
3-man groups sound cool. 5-man feels too bulky sometimes.
Wow, guess you guys get all my money.
Symbiote armour? Tell me more. If a figure is unconscious is the amour unconscious as well? Can it flow from a person to another person like the Venom symbiote?
I don't think its that kind of symbiont, I bet it's simply live armour, witch brings to questions, Will be their HI, Hackable? Will there be any need of engineers or can they be repaired by a doctor?
Great, Infinity has excellent background. One grounded in strict science fiction. There is a.i., hackers and a background of many current nations in the future. There is no "magic" or otherwise fluff pasted in this background to patch up things.
Great job Corvus Belli. Keep it up!
AHHH, tell me more!
The tohaa are actually looking pretty cool.
I'm getting a Mass Effect-vibe from the Tohaa suits,
Just completely awesome. I really love the design of the new faction.
I had to go to youtube, searching this video by my own, because this particular thing doesn't work. o_O It's just a white screen with no buttons. Are the servers so busy and can't handle so much connections anymore? In case of this amazing stuff, I'd be totally understand it! Go on, CB… one to two evenings a week you're cheezin' up my evening, because it's time to play!!
looks like the Tohaa wont "come in peace" afterall…"hi we're the Tohaa, lets fight the CA together…what you'd rather squabble among yourselves…mind control time for you puny humans…"
I might be interested to start this as my 5th army. Or 6th, if I start ASA first.
3.14159 26535 89793 23846 26433 83279 50288 41971 69399 37510 58209 74944 59230 78164 06286 20899 86280 34825 34211 70679
Numeric Worshipers and Masters of Biotech, i can't ask for more O_O
Symbiotic armor, so this is the secret of that "alien" suit? Very cool!
I love the design of they weapons, the munitions tapes are amazing!!!
The position of the models is extremely dynamic, I'm falling in love…
Something I'm looking forward to seeing things like their tags since the minis them self are as beautiful as ever, CB never fails to give us some new works of art as well as some awesome new fluff for everyone to sink their teeth into.
REALLY!? dont you think im borke enough! first Heavy Gear now this!!!
Guess ill start selling my kids on ebay….
Like the new faction quite a bit.
The video isn't working. Some comment
Seems the embedded YouTube -plugin is bugging out. The video works fine on BOW's YouTube -channel.
I was thinking of going Haqq, but after seeing this…hmmm….
Nice Models, but have to finish Aleph- Collection first.
Thong a ?? i caind of see ther a reverent moreAss sister … -_-'
Number worshipers.. sounds like space Cabalist …
Pretty neat looking models.
Those are very nice models. I wish this video had more background or a little more depth on how the force plays
You must be logged in to post a comment.


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Post: 2 Tickets, JRAD At The Cap Fri June 21
~ Fast and friendly. Thanks!7/17/17
Post: One GA For Sale JRAD 12/30/16 At The Cap
~ Really easy to work with this seller. Got my tickets and got to see the show, what else can you ask for!?1/30/17
Post: My (2) 12/31 JRAD And/or Cash For Your (2) 12/29 JRAD
~ Fast transaction, great communication, went above and beyond.12/21/16
Post: Dead & Co. At CitiField 6/26 Front Row Of First Section On Floor A6. $140 Obo
~ Excellent communication and super-quick payment. As smooth a transaction as you can get!6/24/16
Post: Single GA Phil And Friends Saturday May 28th, Capitol Theatre
~ Couldn't ask for an easier exchange. I love when it's as smooth as this6/03/16
Post: 2 GA Phil And Friends Sat 11/7
~ We initially had a few paypal issues, but the Seller was patient and very easy to work with. I would definitely trade again with Hilary and I suspect I most certainly will do so in the future!11/03/15
Post: Single GA Phil And Friends Capitol Theatre 11/1/15
~ Quick, easy transaction. Very responsive & a great asset to the COT community. Would definitely purchase from her again.11/02/15
Post: 2 Row BB Center Loge Great Seats Phil On Halloween Under Face 10/31
~ Easy and fast10/31/15
Post: Phil And Friends 9/16 Summerstage NYC 2 Tickets
~ 5 stars! Seamless transaction and got exactly what I needed in no time flat.9/17/15
Post: Joe Russo's Almost Dead Brooklyn Bowl Sun 10/4
~ If you don't want to be strung along, buy tickets from Hilary! Super fast, responsive and here to get the job done. Had a great experience buying from her and I'm sure others will too (:9/10/15
Post: Joe Russo's Almost Dead Brooklyn Bowl Sat 10/3
~ fast communication, got tickets right after making payment, easy9/10/15
Post: Two Front Row Loge Seats, Phil&Friends, Capitol Theater, Thursday 11/5/15
~ Everything went very smoothly. Very sweet transaction. Thanks.9/03/15
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As of now there is no penalty or consequence of a team player destroying equipment. Today while playing Domination on high jacked we had a fairly good dominating run and I had a sentry gun and guardian set up high pinning down the other team in the back of the boat. My team mate starts shooting my sentry and in my frustration I kill him. I feel there should be an automatic kick from server or simple fix make the sentry gun and guardian equal to killing 3 players so anyone destroying them will get kicked. Thank you for your time.
I can agree with you on that point. It's really frustrating when someone trolls their (supposed) teammates like that. It makes no sense to me to be in a game and do things that hurt your teams chances of winning.
....unless the guy has a buddy on the other team.....then of course, he's hoping you'll get mad and kill him. Then, not only does he destroy your equipment, but he gets you kicked from the game for team-killing as well.
I'm no expert, but I think it would be pretty simple, in the grand scheme of things, to code the game so people on your team can't destroy your teams equipment.
Maybe there's more to it than that. Just my 2 cents........
Not saying this is what happened. But there's a slight possibility he thought it belonged to the other team. I play core TDM only and sometimes I see some clueless teammates trying to destroy my sentry.
I actually killed him twice and got myself kicked out of frustration trying to save my sentry gun.
i say add this to the richochet programming. three bullets at friendly equipment = you're dead.
I hate to admit it but I have been guilty of this before just for the simple fact that sometimes the team symbol won't appear over the equipment until I have started shooting it. This also happens periodically with team members the name won't show causing a team kill. I wish they would bring back ricochet I preferred that to being kicked from the game.
I'm glad it isn't just me that happens to - "no name" over a teammate! I hate that! You try to be quick on the draw and fire first, THEN after you've already put a round or two into the guy, the name appears and you realize you just killed a teammate. It's tought to know if it's just and enemy running Cold Blooded or not, so you have to shoot. In HC I "try" to be careful, but sometimes it seems like a few seconds pass without a name showing, so you have to shoot.
I've seen that happen on equipment, too. I've been in situations where a so-called teammate shoots at my sentry gun (for example), so I kill him to save the weapon. Then he respawns and comes right back to try and finish what he started. At that point, you know you have a troll on your hands.
The name glitch happens if you're standing close to a building or some other object. If you or the teammate move slightly, the green name tag will apprear. I hate it too and have accidently killed teammates in HC.
The simple trick is to look at uniform colors. At the start of the game, I always take notice to what color my team is wearing and it helps a lot.
I start
TheBeastlyDude wrote:
The simple trick is to look at uniform colors. At the start of the game, I always take notice to what color my team is wearing and it helps a lot.
Because of the name no appearing on team players, I started to watching players uniforms to distinguish the enemy. Also I try to see where the enemy is spawning to make sure the head poking from the corner is not a team player. This is not a bullet proof technique, but reduce team kills by a lot.
I had several occasion having my equipment, guardian, sentry, Stealth Shopper, Escort Drone or AGR destroyed by my team. The one it pains me more has been the couple of times my AGR has been destroyed. One time I was controlling it, going along with my team, cleaning the pat for them, then suddenly I started getting hit from one side. For my surprise when I look is one of my team shooting at it. A the end I just kill him with a rocket, after he ignored my request of stop trying to destroy my AGR.
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Event posted by
Sylvia Natukunda Mwesigwa
in AgriProFocus Uganda
05 October 2016 to 06 October 2016 - All Day Event
Promoting Agribusiness Investment, Networking and Trade (PAINT)
PAINT aims to bring together local, regional and international agribusinesses to build long term sustainable business relationships.
The initiative shall support the growth of the agribusiness sector by linking investable and profitable agribusinesses in the sectors of horticulture, coffee, oilseed, dairy & livestock to financing , technology, knowledge and markets.
Specific objective
1. To connect prequalified agribusinesses to financing
2. To link buyers to suppliers of inputs (commodities, equipment and services)
3. To link investors to investable businesses and opportunities
4. To facilitate transfer of knowledge and technology among businesses
ActivitiesWe are currently receiving application from interested businesses in the sectors mentioned above who wish to participate in the trade and investment matchmaking event that will take place on 5th & 6th October 2... Read more


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Virtual Learning
The Center for Transformational Presence Virtual Learning programs offer you the possibility of learning from the comfort of your favorite chair or café when the time is right for you. We offer webinars, audio workshops, e-courses, and soon we'll launch our first podcast series. Click on the toggle boxes below to learn more about our various programs. Be sure to notice our upcoming live programs!
This screen shot is from a keynote address via Skype to the ICF Global Conference in Malmö, Sweden in 2014.
Upcoming Live Virtual Programs
There are many virtual learning opportunities at the Center for Transformational Presence.
For ongoing support in your leadership, coaching, and service in the world, visit our Transformational Presence Leadership Center where you will find many videos as well as text scripts for tools, frameworks, and concepts supporting transformational work.
For ongoing live videoconference courses, please visit our Calendar page for programs that are coming up.
For previously recorded online courses, please scroll down to the E-Courses toggle box where you will find a listing of our currently available online learning programs.
Free Virtual Learning Resources
Free eCourse – Claiming Personal Freedom: Uncovering the Beliefs That Hold You Back
Free eBook – The Anatomy of Transformational Presence
Free Audio Meditation – Becoming Mindful: Breathing Into the Moment
Free Discovery Dialogues with Alan Seale and Dr. Marilyn Mitchell—Six 60-minute dialogues hosted by Joel Mitchell, each on a different topic on mindfulness, well being, and purposeful living. Topics: Discovery, Listening, Acceptance, Wholeness, Trust, Integration. In Joel's words, "These dialogues are not intended to be interviews, lectures, or classes, but rather inquiries and explorations."
Teleclasses, Webinars, and Audio Workshops
12 Keys To Creating Transformational Workshops and Presentations — 4-session live virtual learning program led by Alan Seale. What makes a workshop powerful, transformational, and life-changing? The secret lies in having masterful material that people need, dynamic presentation, and in creating space for participants to have a powerful and illuminating learning experience. Join master facilitator Alan Seale for an in-depth look at his 12 keys to creating and leading transformational workshops. The keys are organized into four principal areas: Intention and Preparation, Scripting and Facilitating the Workshop, Messaging and Promotion, and Follow-up. Through this 4-session webinar, you will begin developing your own personal method and approach for creating, developing, and delivering transformational workshops and programs. You will clarify what you want to accomplish in your workshop, what kinds of experiences you hope your participants might have, and then learn how to design the workshop and hold a space to bring those intentions to life.
Find Your Right Work—a 4-session audio workshop with Alan available for immediate download recorded live in a teleclass series
Soul Mission: Your Purpose In Life, Your Gift To the World—a 4-session audio workshop with Alan recorded live in a teleclass series—available for immediate download
Soul Mission * Life Vision: Come Home to Yourself—4-session live virtual learning program led by Rebecca Johns based on Alan Seale's book, Soul Mission * Life Vision. Each session is 75 minutes long. Using Transformational Presence tools and exercises, this small group setting will allow for exploration together of who you really are and what you came into this world to do. While this program is similar in content to Alan's "Soul Mission" program, Rebecca brings her own approach to Alan's work and her wealth of experience as a teacher, coach, and guide.
The Manifestation Wheel: From Vision To Reality—an 8-session audio workshop with Alan recorded live in a teleclass series—available for immediate download
How the World Works: Hermetic Principles As a Foundation For Transformational Leadership—a single-session audio workshop with Alan recorded in a live teleclass
Discovery Dialogues with Alan Seale and Dr. Marilyn Mitchell—Six 60-minute dialogues hosted by Joel Mitchell, each on a different topic on mindfulness, well being, and purposeful living. Topics: Discovery, Listening, Acceptance, Wholeness, Trust, Integration. In Joel's words, "These dialogues are not intended to be interviews, lectures, or classes, but rather inquiries and explorations."
Transformational Presence Supervised Mentor Coaching Teleclass Series—10-session live virtual learning program led by Alan Seale. Each class session is two hours long. Cohorts are limited to 6 participants. Pre-requisite: Participants must have completed the Transformational Presence Leadership and Coaching Foundation Course either through the 7-month teleclass program or the 5-day in-person program.
Podcasts will be available soon.
FREE Sample e-Course
Claiming Personal Freedom: Uncovering the Beliefs That Hold You Back—a short, free introductory e-course with Alan
Intuitive Living: A Journey With Spirit—an 11-module e-Course with Alan. Download the first module immediately and then receive a weekly module download for 10 more weeks.
What People Are Saying...
Scroll down to the bottom of this page to see what people are saying about working with Alan.
What People Are Saying
Rebecca Johns, CPCC, CTPC (USA)
—Rebecca Johns, CPCC, CTPC, New Directions Professional Coaching
Mark Braber, MSc, CTPC (Netherlands)
Working with Alan is a real privilege. His unique presence is purely authentic, powerful, and liberating. He has a way of intuitively asking the right questions at the right moment in the most appropriate way, often bringing transformation on the spot. For me personally, this has been extremely valuable in my search for fulfillment in the second half of my life. Specifically, it inspired me to found the Academy of New Leadership Quinter in The Netherlands in 2012.
There are a lot of books and theories about leadership and coaching. Alan has distilled the essence to create his extremely powerful approach, Transformational Presence. It is profound on the one hand, practical on the other.
I recommend any program or workshop with Alan without any hesitation to anyone who wants to live a more meaningful or effective life.
—Mark Braber, MSc, CTPC, Founder & Leadership Coach at Quinter
Kathrin O'Sullivan (USA)
—Kathrin O'Sullivan, Leadership Development Manager
Paulina Barnaś, PCC, Executive Coach (Poland)
—Paulina Barnaś, PCC, Executive Coach
Partner at Talent Center, Warsaw, Poland
Brita Berglund, ACC (Iceland)
—Brita Berglund, ACC, Coach and Environmental Communicator
Gijs Dullaert (Netherlands)
More and more, I'm able to be a "vessel" for the things that need to happen. Most important to me is that I'm feeling much more at home in myself. My internal fire is so much stronger than ever before. I feel so privileged to have been introduced to Transformational Presence and to continue receiving its incredible gifts.
—Gijs Dullaert, Entrepreneur and CEO at AIMMS
Francine Derks, CTPC (Netherlands)
Alan is a great teacher with a perfect balance between letting you experience how TP is working for yourself and others and also in teaching about the basics and backgrounds. And I love his books, because they are really the foundation under it all. He is always developing himself further and creating new material and workshops.
Alan is warm, intuitive, close, and really travels together with you, and you never feel that he is judging you or your issues. This gives space for everything that needs to be said, felt, or experienced. I am particularly struck by the way Alan handles resistance and how he gives feedback. He keeps the relations open, positive, and focused on the future with its challenges and opportunities. I have learned so much as a professional and also how to live my own life. It has all become easier.
Transformational Presence is growing and developing and I am proud to be a member of the TP community. In my 17 years of experience and after a lot of training in this field, I can say that this is by far the best training I have ever had.
—Francine Derks, CTPC, Business Coach and Trainer
Keith Jorgensen, ACC, CTPC (USA)
—Keith Jorgensen, ACC, CTPC, ICF Global Internal Leadership Coach for IKEA
Anna-Lena Smith, CTPC, PCC (Sweden)
—Anna-Lena Smith, Director of Training, CoachWalk Academy
Shareen Springer (USA)
For me, this depth and drawing out has allowed me to embrace a greater understanding of my presence and my work in the world. I can feel the power of that gift and have been able to extend and embody that in my offerings and leadership approach.
Finding Alan and his work in Transformational Presence has brought new ways of thinking and a new vocabulary to match what I so deeply value. It has been a year since I attended my first training. Yet there is not a day that goes by where the "centering" of that experience and the "practice" of Transformational Presence has not been available to help ground and lead me back to the truths that inspire and empower me to do my work in the world.
—Shareen Springer, Non-Profit Director and Restorative Justice Practitioner
May-Britt Kotzman (Canada)
—May-Britt Kotzman
Drs. Ian van Lidth de Jeude, NIP, RL (Netherlands)
—Drs. Ian van Lidth de Jeude NIP, RL, Psychologist and Career Professional
Nicki McClusky, PCC, CTPC (USA)
—Nicki McClusky, PCC, CTPC, LCSW, President-Elect ICF-St. Louis, Transformational Voice Coach, Psychotherapist, and Author
Jan Bowen (USA)
Alan's authenticity rings true in his books, his workshops, and in his individual coaching sessions. That is why I chose to bring his program to the West Coast. There are many impressive programs, many impressive writers, and many impressive facilitators. Finding authenticity in all of these roles that aligns with the stated goals and objectives of the course is critical to me. Alan is authentic in every way.
—Jan Bowen, Principal and Founder, Strategic Solutions Services, LLC, and Author
Mieke Elekan, CTPC (Netherlands)
—Mieke Elekan, CTPC, Coach, Trainer, Facilitator
Jen Sellers, MCC (USA)
—Jen Sellers, MCC, Executive Coach


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Puerto Rico's PREPA electric utility just released a statement saying it's reached an agreement with creditors, on the day of a deadline to extend its credit, that further extends its credit and will lead to the appointing of a chief restructuring officer by Sept. 8. PREPA's said the agreements reached today "provide PREPA with a consensual path forward to improve its operations and financial situation."
PREPA's said insurers and bondholders controlling more than 60 percent of PREPA's outstanding bonds have agreed to amend existing bond documents to provide PREPA with liquidity and time to "develop a plan to achieve a restructuring of its business." The insurers and bondholders will not exercise remedies against PREPA during the term of these agreements, and PREPA will continue to make required debt service payments in full.
PREPA said the banks that provide revolving lines of credit will extend until March 31, 2015 agreements to not exercise remedies as a result of credit downgrades. PREPA will continue to delay certain payments that were due to these lenders in July and August. From PREPA's statement:
"Today's announcement is an important milestone in the transformation of PREPA and gives us a clear line of sight to the future," said Harry Rodriguez, President of PREPA's Board of Directors. "PREPA is working hard to deliver with infrastructure improvements, better cost controls and improved service. Today's agreements give us additional tools toward the creation of a more modern and self-sustaining PREPA for the future."
Juan F. Alicea Flores, executive director for PREPA, stated, "Today's agreements give PREPA the additional time and financial resources we need to reach a comprehensive solution that ensures our ability to provide a safe, reliable and efficient power supply to all Puerto Ricans for many years to come."
PREPA said it has committed to complete a five-year business plan by Dec. 15, 2014 and to appoint a chief restructuring officer who "will work closely with Mr. Alicea and the rest of PREPA's board and management team to accelerate PREPA's transformation, ensuring the utility is able to efficiently implement the changes necessary to achieve its financial and operating targets."
PREPA said it will file a notice today on the Electronic Municipal Market Access (EMMA) system outlining the key terms of its agreements with the creditor groups.
Puerto Rico's nonvoting congressional delegate today introduced legislation in the U.S. House of Representatives that would allow Puerto Rico's government-owned corporations to file for Chapter 9 bankruptcy protection, the same type of municipal bankruptcy protection Detroit sought last year. The move comes a month after the commonwealth passed the Puerto Rico Public Corporation Debt Enforcement and Recovery Act, which allows Puerto Rico's public corporations to restructure their debts.
"I believe that amending the U.S. Bankruptcy Code to extend Chapter 9 to Puerto Rico is the most sensible and logical way to proceed," wrote Pedro Pierluisi, Puerto Rico's resident commissioner. "My legislation would simply enable the Puerto Rico government to authorize its government-owned corporations to utilize the tried-and-true Chapter 9 procedure if it becomes necessary, under the expert supervision of an impartial federal bankruptcy judge, based on legal precedent established in Chapter 9 proceedings that have taken place throughout the nation."
The fallout from the Recovery Act continued today as Standard & Poor's banished the Puerto Rico Electric Power Authority to the depths of speculative grade, cutting PREPA's credit rating to triple-C from single B-minus. (S&P also affirmed Puerto Rico's general obligation bond rating at double-B.) S&P said the deep-junk rating indicates that PREPA's debt is "vulnerable to nonpayment," and said any adverse business, financial, or economic conditions could leave PREPA unable to pay its debts.
"We believe that the absence of an overarching solution to liquidity issues and the structural imbalance among its revenues, operating expenses and debt service commitments suggests an increasing likelihood that the authority will not be able to satisfy debt service obligations on time and will avail itself of the [Recovery Act] and restructure all or portions of its debt," said S&P credit analyst Judith Waite in a statement.
Earlier this month, rival rating agency Moody's Investors Service similarly cut PREPA's rating into equally deep-junk territory.
Earlier today, PREPA sent out a statement saying its lenders have extended until Aug. 14 their agreements not to exercise remedies against PREPA as a result of the recent credit downgrades. Under the agreements, PREPA can continue to delay certain payments that were due in July while still making payments due to employees and suppliers. PREPA said it's "having productive discussions" with its creditors and will continue "to evaluate various strategies" to achieve its financial and operational objectives.
"This latest show of support from our bondholders, bond insurers and lenders provides us with additional time to evaluate all available options to ensure we are reaching the best possible outcome for our employees, customers, creditors and suppliers," said PREPA Executive Director Juan F. Alicea Flores in a statement.
In the latest chapter of Puerto Rico's public finance saga, the Puerto Rico Electric Power Authority (PREPA) today said it had reached an agreement with lenders, after PREPA was downgraded to deepest junk ratings by Moody's Investors Service last week. In a statement, PREPA said "that its lenders who provide revolving lines of credit used to pay for purchased power, fuel and other expenses have agreed to not exercise remedies as a result of credit downgrades and other events. Under the agreements, PREPA may delay certain payments currently due until July 31, 2014. "
Over the next few weeks, PREPA said it will "continue discussions with the lenders and will use this period to evaluate various alternatives to improve its financial situation." PREPA said the lender agreements place no limits on its ongoing operations and that it will continue to make payments to employees and suppliers. Here's a statement from Juan Alicea Flores, executive director for PREPA:
"While PREPA faces certain financial challenges today, we are working hard to improve operations, strengthen service and modernize our infrastructure, so we can deliver cleaner and more reliable energy to our customers. We thank our lenders for their ongoing cooperation and support as we work to transform PREPA to best serve our customers."
Puerto Rico's bonds have come under pressure as the commonwealth has tried to repair its troubled financial situation. My Barron's colleague Andrew Bary was one of the first to bring attention to Puerto Rico's economic woes – and how many muni investors are unwittingly exposed to those woes – in his cover story last August detailing how widely held Puerto Rico bonds are by municipal bond funds due to their unique tax-exempt status.
Moody's just downgraded Puerto Rico's general obligation bond rating by a whopping three notches, to B2 from Ba2, and cut ratings on other Puerto Rico debt as well. The moves – which knock Puerto Rico's G.O. rating deeper into junk territory and cut its COFINA bonds to junk as well – come after the commonwealth's maneuver Friday to pass a law allowing its public corporations to restructure their debt.
First, here's the rating agency with a laundry list of everything it just downgraded:
Moody's Investors Service has downgraded the Commonwealth of Puerto Rico to B2 from Ba2, affecting $14.4 billion of outstanding general obligation (GO) bonds. Concurrently, commonwealth agencies and public corporations have been downgraded, affecting about $46 billion of non-GO bonds, including $15.6 billion of senior- and subordinate-lien bonds issued by the Sales-Tax Financing Corporation (COFINA), which respectively were lowered to Ba3 and B1. The Puerto Rico Electric Power Authority (PREPA) was downgraded to Caa2 from Ba3, while the Puerto Rico Aqueduct and Sewer Authority (PRASA) was downgraded to Caa1 from Ba3. The Puerto Rico Highway and Transportation Authority (PRHTA) was downgraded to Caa1 (senior 1998 resolution and 1968 resolution) from Ba3, and to Caa2 from B1 (subordinate 1998 resolution). For PREPA, PRHTA and PRASA, the newly lowered ratings remain under review for possible further downgrade. The debt of the Government Development Bank (GDB) was downgraded to B3 from Ba2, and the debt of the University of Puerto Rico was downgraded to Caa1 and Caa2. The outlook for the GDB as well as for commonwealth GO and related debt remains negative. All the rating and outlook changes incorporated in this action are listed at the end of this release.
And here's Moody's with a pretty withering explanation of the downgrades:
The downgrades of Puerto Rico and its debt-issuing entities follow the commonwealth's enactment of a law (the Puerto Rico Public Corporation Debt Enforcement and Recovery Act) that will allow public corporations to defer or reduce payments on outstanding bonds. By providing for defaults by certain issuers that the central government has long supported, Puerto Rico's new law marks the end of the commonwealth's long history of taking actions needed to support its debt. It signals a depleted capacity for revenue increases and austerity measures, and a new preference for shifting fiscal pressures to creditors, which, in our view, has implications for all of Puerto Rico's debt, including that of the central government. Application of the law may further limit the commonwealth's market access, leaving it more vulnerable to financial risk and unable to fund capital projects.
The COFINA ratings have now been positioned closer to the GO, reflecting their increased susceptibility to any action that impairs bondholders' claims on sales tax revenues if the commonwealth invokes its police powers and acts to protect the health and safety of the general public ahead of bondholders. The new GO and COFINA bond ratings face heightened risk of default, given the commonwealth's stagnant economic conditions and disproportionately large debt burden.
Ratings now assigned to PREPA, PRASA and PRHTA and the Puerto Rico Convention Center District Authority are under review for further downgrade, reflect the escalating risk that these entities could default voluntarily under the new restructuring law.
My Barron's colleague Andrew Bary was one of the first to bring attention to Puerto Rico's economic woes in his cover story last August detailing how widely held Puerto Rico bonds are by municipal bond funds due to their special tax-exempt status.
Puerto Rico late Friday said its April revenues fell 27% short of expectations, blaming it on a substantial shortfall in corporate tax revenues. Puerto Rico reported $1.18 billion of April revenues, short of the $1.62 billion forecast, even as it beat April 2013′s earnings by 20% and said it collected more tax than it did last April. Puerto Rico said its year-to-date general fund revenues for fiscal 2014 have totaled $7,261 million, up 6.8%, from the previous year.
"While April 2014 revenues exceeded the prior year period, the amount collected was $442 million below estimates, with $380 million of that amount corresponding to the corporate income taxes line revenue," said Puerto Rico Treasury Secretary Melba Acosta Febo in a statement, citing the tax returns not filed by the April 15 due date. "We are analyzing the thousands of applications for time extensions that were not accompanied by payments (53% of all corporations), corporations that did not make estimated payments, and payments by corporations that were below expectations. The time extension for corporations is three months in duration and ends July 15, 2014."
Acosta Febo said corporate taxpayers that filed applications for time extensions without a payment or with an insufficient payment could be subject to a surcharge of up to 10%, plus interest at a 10% annual rate. He added that the Treasury Department "will continue working on a fair tax reform that simplifies tax processes and promotes economic development, and will continue strengthening oversight efforts to increase the capture rate and fight against tax evasion to attain the financial goals we have set."
Puerto Rico's $3.5 billion of 21-year bonds issued in March, the handiest bond-market proxy for the commonwealth's financial situation, have traded anywhere between 89.5 and 91.75 cents on the dollar in modest trade volume so far Monday, down from a range of 92 to 94.75 cents on Friday. The bonds were originally issued at a discounted face value of 93 cents on the dollar.
Puerto Rico today presented a balanced budget proposal for 2015, and it was enough to get the attention of both traders and rating agencies. First, Puerto Rico's recently issued $3.5 billion in 21-year bonds gained about 2.5 points today to trade most recently at 92.5 cents on the dollar, close to their original issue price of 93 cents. Second, the proposal prompted this response from Moody's:
The 2015 budget proposal appears to be a positive development for the commonwealth, based on its effort to move toward structural balance, its call for spending restraint and the avoidance of new deficit financings. Proposals aimed at restraining costs in the commonwealth's electric and water utilities, as well as other public corporations, could eliminate historic reliance on support from the commonwealth's general fund. While the budget may constitute a significant, positive step if enacted, this financial plan still leaves the commonwealth with many economic and financial challenges.
Today David Chafey, chairman of the Government Development Bank for Puerto Rico, and Melba Acosta Febo, Puerto Rico's Treasury Secretary, issued the following statement:
Presenting a balanced budget a year ahead of the initial target is an enormous achievement and a great step forward for Puerto Rico's economic growth and fiscal health. Over the last 15 months, this administration has demonstrated its willingness to address long-standing fiscal and economic challenges by taking swift and decisive action to strengthen the Commonwealth's finances, support the independence of Puerto Rico's public corporations, and diversify the Commonwealth's economy. We applaud the Governor's actions with respect to this budget, and look forward to supporting its approval and effective implementation over the course of the fiscal year.
Fitch Ratings said today that last Friday"s move by Puerto Rico's Supreme Court to strike down the governments's teacher pension reform plan presents a "new setback" for Puerto Rico but that the court decision has no immediate impact on the commonwealth's budget nor its credit rating.
On Friday the Puerto Rico Supreme Court declared the recently enacted pension overhaul unconstitutional, the latest challenge for Puerto Rico amid its ongoing efforts to get it finances under control. That prompted this joint statement from the Puerto Rico's Treasury secretary and the Government Development Bank for Puerto Rico:
Reforming the Commonwealth's pension systems is essential to Puerto Rico's long-term financial and economic health. Since January 2013, this Administration has taken swift and unprecedented action to strengthen Puerto Rico's fiscal condition, including enacting meaningful and comprehensive reforms to Puerto Rico's main pension systems. We are disappointed with the Court's ruling that certain portions of Act 160 are unconstitutional. We believe that Act 160 is consistent with Act 3-2013, which reformed the Employees Retirement System and was upheld by the Court in its June 2013. We will conduct a careful reading of the Court's decision and analyze alternative courses of action. We remain committed to addressing the PRTRS's unfunded pension liability in order to protect our retirees and ensure the Commonwealth's fiscal stability.
Here's what Fitch had to say about things today:
Fitch continues to see the economy as the key to future rating direction. Fitch believes that achieving and maintaining budget balance will remain challenging, and last week's decision, if unaddressed, would add to that challenge over time and further weaken the commonwealth's liability picture….
The teachers system reform was designed to convert that plan to a defined contribution system, among numerous other changes; the reform legislation was passed in late December 2013 but stayed by the Supreme Court in January 2014. Recent pension reform efforts have focused on achieving a predictable annual funding scheme. Pension funding is expected to remain exceptionally low, even with pension reform.
Puerto Rico's 21-year bonds issued last week are trading around 87.5 cents on the dollar today, per the MSRB's EMMA website, down from their discounted price of 93 cents on the dollar when they were issued a month ago.
It's been a lousy week for stocks and other risky assets, so it shouldn't come as much of a surprise that Puerto Rico's bonds are down too. In fact they've been trading today at levels that would mark a 5% loss for investors since Puerto Rico issued $3.5 billion of the 21-year bonds one month ago today. The Municipal Securities Rulemaking Board's EMMA website shows the bonds trading between 86 and 90 cents on the dollar today, with most recent trades right around the 88-cent mark. The bonds were originally issued at a discounted face value of 93 cents on the dollar, and briefly traded as high as 100 cents on the dollar the day after they were issued. The bonds, which originally yielded 8.727% at issue, yield right around 9.3% at today's trading levels.
The Wall Street Journal today confirms what many muni-market watchers had suspected: that the main buyers of Puerto Rico's $3.5 billion bond sale last month were not your traditional muni investors, with nontraditional buyers (read: hedge funds) snapping up 70% of the deal. That buyer base in part explains heavy trading of the new bonds in the early days after the deal. Matt Wirz reports for the Journal today and names names:
Och-Ziff Capital Management (OZM) LLC, Fir Tree Partners, Perry Capital LLC and Brigade Capital Management each bought more than $100 million of the bonds, according to a list of buyers of the $3.5 billion deal. The list doesn't show whether the firms continue to hold the bonds, which carried junk credit ratings, or whether they sold some or all of their purchases afterward.
John Paulson's Paulson & Co. also purchased more than $100 million of the deal. It isn't clear whether Mr. Paulson owned Puerto Rico debt before. His firm invested in a Puerto Rico hotel earlier this year…
Investors have sold $1.7 billion of the bond since Puerto Rico issued it, according to data from the Municipal Securities Rulemaking Board. It isn't clear how much of that debt was sold by hedge funds, and some of those transactions reflect trades by investors who purchased the bonds from original buyers of the debt.
Trading in Puerto Rico's newly sold $3.5 billion bond issue has drawn the attention of industry regulators. As the Wall Street Journal recently reported, the Financial Industries Regulatory Authority (FINRA), the Wall Street-funded self-regulatory groups that oversees broker-dealers, is examining trading in the issue amid concerns that the new bonds, which carry junk ratings, were improperly sold to individual investors.
Today, prices on those bonds have risen above the initial sale price of 93 cents on the dollar. The Municipal Securities Rulemaking Board's EMMA website shows that while prices did fall below 92 cents on the dollar earlier today, the bonds have most recently changed hands at 96.614 cents.
Puerto Rico's record $3.5 billion debt sale was structured to keep out individual investors with less than $100,000 to spend. That floor also applies to trading after the securities price, according to Bloomberg. Yet the Bond Buyer reported last week that broker-dealers — in some 70 transactions executed between 9:16 a.m. on Tuesday, March 11, through 4:30 p.m. on Tuesday, March 18 — sold the Puerto Rico bonds to customers in amounts below $100,000.
On Friday, Finra said it was looking into the matter and the Securities Industry and Financial Markets Association sent out a notice to members urging them to make sure they are complying with the minimum denomination requirement.
Puerto Rico's debt sale was the largest junk deal ever for the $3.7 trillion municipal market. The borrowing came the month after the island was cut to speculative grade, and provided officials the cash needed to pay bills through June 2015
You'll recall those bonds, which were issued at a discounted face value of 93 cents on the dollar, traded as high as 100 cents during the initial frenzy in the first days after the bonds were issued as traders bid them higher. Most of the original purchasers were hedge funds, and first-day trading in the bonds exceeded $5 billion.
On Friday, bond prices fell below their initial sale price.
Barrons.com's Income Investing blog helps readers find undervalued securities that offer attractive yields, with an emphasis on dividend-paying stocks, preferred shares, bonds, REITs, Master Limited Partnerships and closed-end funds.
Amey Stone is Barron's Income Investing blogger and Current Yield columnist. She was formerly a managing editor at CBS MoneyWatch, MSN Money and AOL DailyFinance. Her responsibilities included overseeing market coverage and personal finance topics. Prior to those roles, she was a senior writer at BusinessWeek where she authored the Street Wise column online and contributed to the magazine's Inside Wall Street column. Topics covered included economics, corporate finance, Fed policy, municipal bonds, mutual funds and dividend investing. She co-authored King of Capital, a biography of Citigroup Chairman Sandy Weill. She is a graduate of Yale University and Columbia University's Graduate School of Journalism.
Write to Amey at email@example.com


text: I started this blog because I was desperate to find people people who could hang with the messy experience of having a kid. I found it. Writing here has become my soul project. I live for sharing the messy parts of my life and hearing about yours. I'm a 8-year-old mother to a 6-year-old boy and his 2-year-old brother, and a partner of 14 years to an honest dad. When I'm not milking goats or obsessing over vintage pyrex or sorting train tracks and random plastic crap into their various bins, I'm supporting women through birth as a doula or working for money as a video producer or getting cheap creative thrills by writing stuff like this.


text:
Journal of the American College of Cardiology
ReplyCulprit Artery Only or Multivessel Primary PCI: The Debate Continues
Author + information
- Published online October 13, 2015.
Author Information
- Damian J. Kelly, MB, ChB, MD,
- Anthony H. Gershlick, MB, BS∗ (AGershlick{at}aol.com),
- John P. Greenwood, MB, ChB, PhD, MD and
- Gerald P. McCann, MB, ChB
- ↵∗Glenfield Hospital, University Hospitals of Leicester, Glenfield Hospital Groby Road Site, Leicester, Leicestershire LE3 9QP, United Kingdom
The CvLPRIT (Complete versus Lesion-only Primary PCI Trial) (1) investigators welcome the comments of Dr. Agarwal. CvLPRIT was designed as a pragmatic trial of treatment strategies in real-world patients: randomization was carried out therefore on the basis of angiographic assessment of noninfarct-related artery (N-IRA) lesion severity as this remains the most common method for N-IRA lesion assessment during primary percutaneous coronary intervention (P-PCI). Pressure-wire assessment is less commonly performed during P-PCI than during catheterization for stable patients or those presenting with acute coronary syndromes (ACS)/non–ST-segment elevation myocardial infarction (NSTEMI). We recognize, however, the growing evidence regarding the limitation of angiography in defining lesions responsible for ischemia (2).
Although putative mechanisms of widespread coronary inflammation causing plaque instability are recognized, potentially predisposing to ischemic events in N-IRA lesions of even modest severity (for example, those exhibiting thin-cap fibroatheroma), this hypothesis remains unproven. No data have yet emerged suggesting interventionists should make a paradigm shift from the strategy of ischemia reduction to that of "plaque stabilization" of nonischemic bystander lesions during the post-STEMI period (3).
Baseline angiographic characteristics of the 2 treatment groups in CvLPRIT were not significantly different (1). Despite having three times as many stents implanted, the complete revascularization group did not have any increase in stent thrombosis.
However, CvLPRIT was not designed to answer all the questions regarding multivessel disease in patients undergoing P-PCI, only the one that faced us at the time: "if faced in the catheterization laboratory with such a patient, should one even consider complete revascularization?" Design of a single definitive trial to resolve the unanswered questions surrounding STEMI management remains challenging. The consistency of both CvLPRIT and PRAMI (Preventive Angioplasty in Myocardial Infarction) in demonstrating large treatment effects in favor of complete revascularization undoubtedly influenced the American College of Cardiology "Choosing Wisely" advice, which had been against PCI of N-IRA lesions following STEMI (4).
There remain several unanswered questions. The need for a single definitive large study examining the effect of complete revascularization upon hard endpoints, comparing complete revascularization during the index admission with revascularization at an interval of 6 to 8 weeks and determining the utility of fractional flow reserve (FFR) guidance, is urgent.
The CvLPRIT/PRAMI investigators are currently seeking funding for a large multicenter randomized study, the PRIMETIME (PRIMary-PCI&N-IRA Evaluation Trial- In-patient v Medical v dEferred strategies) trial. This trial will recruit 2,750 patients and randomize them to both a treatment strategy (culprit-only, in-patient complete or staged out-patient complete at 6 to 8 weeks) and to an angiographic or FFR-driven N-IRA assessment to determine outcome in terms of hard clinical endpoints. Expanded mechanistic information will be available from a large cardiac magnetic resonance substudy. Other large ongoing trials such as the COMPLETE trial (Complete vs Culprit-only Revascularization to Treat Multi-vessel Disease After Primary PCI for STEMI) are also likely to provide important information in this contentious and unresolved area.
Please note: Dr. Gershlick has received lecture fees and advisory board fees from Abbott Vascular, The Medicines Company, and AstraZeneca. Dr. McCann has received research grants from Servier, Novartis, and Menarini International. All other authors have reported that they have no relationships relevant to the contents of this paper to disclose.
- American College of Cardiology Foundation
- ↵
- Gershlick A.H.,
- Khan J.N.,
- Kelly D.J.,
- et al.
- ↵
- Layland J.,
- Oldroyd K.G.,
- Curzen N.,
- et al.
- ↵
- ↵American College of Cardiology. American College of Cardiology updates heart attack recommendations [press release]. 2014. Available at: http://www.cardiosource.org/news-media/media-center/news-releases/2014/09/choosing-wisely-statement.aspx. Accessed September 1, 2014.