text:
Multinational Bank Regulation with Deposit Insurance and Diversification Effects
We analyse a model in which bank deposits are insured and there is an exogenous cost of bank capital. The former effect results in bank over-investment and the latter in under-investment. Regulatory capital requirements introduce investment distortions, which are a constrained optimal response to these market imperfections. We show that capital requirements which are constrained optimal for national banks result in under-investment by multinational banks. The extent of under-investment depends upon the home bank's riskiness, the extent of international diversification, and the liability structure (branch or subsidiary) of the multinational. Capital requirements for international banks should therefore reflect these effects. We relate our findings to observed features of multinational banks and we discuss the possible existence of a multinational bank channel for financial contagion.
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|Date of creation:
|Dec 2003
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References listed on IDEAS
Please report citation or reference errors to , or , if you are the registered author of the cited work, log in to your RePEc Author Service profile, click on "citations" and make appropriate adjustments.:
- Freixas, Xavier & Rochet, Jean-Charles, 1998.
"Fair pricing of deposit insurance. Is it possible? Yes. Is it desirable? No,"
Research in Economics,
Elsevier, vol. 52(3), pages 217-232, September.
- Xavier Freixas & Jean Charles Rochet, 1995. "Fair pricing of deposit insurance. Is it possible? Yes. Is it desirable? No," Economics Working Papers 130, Department of Economics and Business, Universitat Pompeu Fabra, revised Jun 1995.
- Milne, Alistair, 2002. "Bank capital regulation as an incentive mechanism: Implications for portfolio choice," Journal of Banking & Finance, Elsevier, vol. 26(1), pages 1-23, January.
- Stewart C. Myers & Nicholas S. Majluf, 1984. "Corporate Financing and Investment Decisions When Firms Have InformationThat Investors Do Not Have," NBER Working Papers 1396, National Bureau of Economic Research, Inc.
- Viral V. Acharya, 2003.
"Is the International Convergence of Capital Adequacy Regulation Desirable?,"
Journal of Finance,
American Finance Association, vol. 58(6), pages 2745-2782, December.
- Acharya, Viral V, 2002. "Is the International Convergence of Capital Adequacy Regulation Desirable?," CEPR Discussion Papers 3253, C.E.P.R. Discussion Papers.
- Myers, Stewart C. & Majluf, Nicholas S., 1984. "Corporate financing and investment decisions when firms have information that investors do not have," Journal of Financial Economics, Elsevier, vol. 13(2), pages 187-221, June.
- Griffin, John M. & Andrew Karolyi, G., 1998.
"Another look at the role of the industrial structure of markets for international diversification strategies,"
Journal of Financial Economics,
Elsevier, vol. 50(3), pages 351-373, December.
- John M. Griffin & G. Andrew Karolyi, "undated". "Another Look at the Role of the Industrial Structure of Markets for International Diversification Strategies," Research in Financial Economics 9608, Ohio State University.
- Alan Morrison & Lucy White, 2002. "Crises and Capital Requirements in Banking," Economics Series Working Papers 2002-FE-05, University of Oxford, Department of Economics.
- Charles Kahn & Andrew Winton, 2004.
"Moral Hazard and Optimal Subsidiary Structure for Financial Institutions,"
Journal of Finance,
American Finance Association, vol. 59(6), pages 2531-2575, December.
- Charles M. Kahn & Andrew Winton, 2002. "Moral hazard and optimal subsidiary structure for financial institutions," Proceedings 808, Federal Reserve Bank of Chicago.
- Douglas W. Diamond & Philip H. Dybvig, 2000. "Bank runs, deposit insurance, and liquidity," Quarterly Review, Federal Reserve Bank of Minneapolis, issue Win, pages 14-23.
- Diamond, Douglas W & Dybvig, Philip H, 1983. "Bank Runs, Deposit Insurance, and Liquidity," Journal of Political Economy, University of Chicago Press, vol. 91(3), pages 401-419, June.
- Rafael Repullo, 2001. "A model of takeovers of foreign banks," Spanish Economic Review, Springer;Spanish Economic Association, vol. 3(1), pages 1-21.
- Repullo, R., 2000. "A Model of Takeovers of Foreign Banks," Papers 0015, Centro de Estudios Monetarios Y Financieros-.
- Repullo, Rafael, 2000. "A Model of Takeovers of Foreign Banks," CEPR Discussion Papers 2639, C.E.P.R. Discussion Papers.
- Levy, Haim & Sarnat, Marshall, 1970. "International Diversification of Investment Portfolios," American Economic Review, American Economic Association, vol. 60(4), pages 668-675, September.
- Weller, Christian E. & Scher, Mark J., 1999. "Multinational banks and development finance," ZEI Working Papers B 16-1999, University of Bonn, ZEI - Center for European Integration Studies.
- Cornelia Holthausen & Thomas Rønde, 2003. "Cooperation in International Banking Supervision," CIE Discussion Papers 2004-02, University of Copenhagen. Department of Economics. Centre for Industrial Economics.
- Holthausen, Cornelia & Rønde, Thomas, 2005. "Cooperation in International Banking Supervision," CEPR Discussion Papers 4990, C.E.P.R. Discussion Papers.
- George J. Benston, 1994. "Universal Banking," Journal of Economic Perspectives, American Economic Association, vol. 8(3), pages 121-143, Summer.
- Xavier Freixas & Jean-Charles Rochet, 1997. "Microeconomics of Banking," MIT Press Books, The MIT Press, edition 1, volume 1, number 0262061937, January.
- Bebchuk, Lucian Arye & Guzman, Andrew T, 1999. "An Economic Analysis of Transnational Bankruptcies," Journal of Law and Economics, University of Chicago Press, vol. 42(2), pages 775-808, October.
- Lucian Arye Bebchuk & Andrew T. Guzman, 2000. "An Economic Analysis of Transnational Bankruptcies," NBER Working Papers 6521, National Bureau of Economic Research, Inc.
- Allen N. Berger & Robert DeYoung & Hesna Genay & Gregory F. Udell, 1999. "Globalization of financial institutions: evidence from cross-border banking performance," Working Paper Series WP-99-25, Federal Reserve Bank of Chicago.
- Allen N. Berger & Robert DeYoung & Hesna Genay & Gregory F. Udell, 2000. "Globalization of financial institutions: evidence from cross-border banking performance," Finance and Economics Discussion Series 2000-04, Board of Governors of the Federal Reserve System (U.S.).
- Bhattacharya, Sudipto, 1982. " Aspects of Monetary and Banking Theory and Moral Hazard," Journal of Finance, American Finance Association, vol. 37(2), pages 371-384, May.
- James V. Houpt, 1999. "International activities of U.S. banks and in U.S. banking markets," Federal Reserve Bulletin, Board of Governors of the Federal Reserve System (U.S.), issue Sep, pages 599-616.
- Patrick Bolton & Xavier Freixas, 2000. "Equity, Bonds, and Bank Debt: Capital Structure and Financial Market Equilibrium under Asymmetric Information," Journal of Political Economy, University of Chicago Press, vol. 108(2), pages 324-351, April.
- Merton, Robert C., 1977. "An analytic derivation of the cost of deposit insurance and loan guarantees An application of modern option pricing theory," Journal of Banking & Finance, Elsevier, vol. 1(1), pages 3-11, June.
- Kevin C. Murdock & Thomas F. Hellmann & Joseph E. Stiglitz, 2000. "Liberalization, Moral Hazard in Banking, and Prudential Regulation: Are Capital Requirements Enough?," American Economic Review, American Economic Association, vol. 90(1), pages 147-165, March.
- Heston, Steven L. & Rouwenhorst, K. Geert, 1994. "Does industrial structure explain the benefits of international diversification?," Journal of Financial Economics, Elsevier, vol. 36(1), pages 3-27, August.
- Rochet, Jean-Charles, 1992. "Capital requirements and the behaviour of commercial banks," European Economic Review, Elsevier, vol. 36(5), pages 1137-1170, June. Full references (including those not matched with items on IDEAS)
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text:
Its surprising how sometimes a sideways comment from someone can motivate you disproportionately.
This painting was inspired by a throw-away remark from an ex-lover.
It was painted probably 15 years after the original conversation, proof that some demons take a little longer to exorcise than you had originally anticipated!
495mm x 395mm Watercolour and Gouache on Paper

subset: commoncrawl


text:
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text:
Did you ever sit alone on a crowded playground or classroom and feel like you don't belong?That yearning and desire to belong to a group is our human longing to connect. It starts with family, continues in the work place, in social circles, in church. Desire to belong binds us together as human beings living in this spiritual world. I have found it takes time to discern what belonging really means, like where I came from since I was adopted, what group in school I was going to hang out with, what work ladder I would climb and prove myself. I can also take myself out of that belonging if it is not good or healthy for me. The one true connection for me is belonging to God. That innate distinction, once experienced, brings a belonging and a longing that will never go away in my soul. Everything falls into place once I rest in that knowing and feel the security of belonging to God.
by Liz


text:
It wouldn't be a national championship celebration without a goal post being sacrificed.
After Ohio State's 42-20 victory over Oregon in the first College Football Playoff national title game on Monday, fans celebrating the Buckeyes' win broke into Ohio Stadium and tore down a goal post on the south end of the field, an Ohio State University spokesman told the Associated Press.
The goal post, however, was not the regular, permanent post used by Ohio State during its home games -- it was one used for high school football games, spokesman Dan Hedman said.
Still, it wasn't the only incident caused by large groups of students and fans who took to the streets of Columbus, Ohio, early Tuesday morning after the Buckeyes claimed their eighth national title. Hedman said police responded to various incidents in and around campus.
The Columbus Fire Department responded to 89 reports, including five calls for people with injuries. Columbus police and SWAT members were photographed pepper spraying crowds of revelers.


text:
Kolpin® Rhino Grip XL safely secures gear.
Universal-fit design! Here are the only Gear Grips that feature a 360° rotating and multi-angle design, fully adjustable without tools.
Keeps your prized firearm and other vital gear securely in place. And cushioned from travel jolts. Mounting options include suction cups to fully rotating, adjustable bases. Makes installation a snap!
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text:
Student Newsletter Fall 2010
Inside this Issue
Become a fan of the Library
Announcing WestlawNext
Legal Intelligence Online: new Database
Get News from our Legal Eagle Blog
Welcome to Laurel Davis!
Audio Cases via Courtroom View
New in the Rare Book Room
New Edition of the Bluebook!
Courses & Syllabi on the Web
Help for your Computer
Dear 2L and 3L students,
Welcome back to another eventful year in your life as a law student! We enjoyed working with you last year and we look forward to supporting you in your research and academic pursuits this year, as well. There are exciting developments in the Law Library: new staff and new resources; so, please take a moment to read this newsletter. Also, please see the announcements about American Lawyer Media, a new product that will allow you to tap into data about law firm operations and employment trends, CourtroomView (formerly AudioCasefiles) and WestlawNext.
Despite all these changes, one constant theme continues: our dedication to working with you to ensure your success and enhance your experience here at BC Law. If you dont know who to ask come to the library first.
Peace, Filippa
Filippa Marullo Anzalone
Professor and Associate Dean for Information and Technology Services,
Law School
Become a fan of the library!
Find us on
(You can get in via our
Home Page
Follow us on
Announcing WestlawNext
In 2011, Westlaw will formally release its new legal research system,
. The Law Library has arranged for BC Law students to have pre-release access to WestlawNext. Students will be able to access WestlawNext starting September 16, 2010. WestlawNext is West's "next-generation" legal research system which features a clearer, less cluttered interface and natural language searching with automatically-expanded search results. Users no longer need to select databases or construct Boolean searches. WestlawNext takes a natural language search phrase and automatically searches for synonyms, related terms and legal terms of art and then ranks search results by relevance.
Word on the street is that West intends to phase out the traditional Westlaw research system, so WestlawNext is the wave of the future. Click
for more information on WestlawNext.
New Resource: American Lawyer Media (ALM) Legal Intelligence Online Database
Now you have the ability to search, compare and download detailed intelligence on the legal market with the ALM Legal Intelligence database. Read through surveys and rankings that ALM publishes annually, or search and compile raw data about the largest U.S. and international law firms, including
firm revenues, corporate representation, profits-per-partner, attorney counts, billing data, diversity, pro bono, significant litigation and transactional activity
. Raw data can be downloaded to Excel®.
Use is restricted to BC faculty, staff, and students so stop by the Information Desk to obtain our shared Usernames and Passwords to use this resource now. We hope to have IP address recognition available soon.
Legal Eagle Blog
A great way to stay up to date on interesting legal news and legal research developments is through the Boston College Law Library's
Legal Eagle
Blog. Updated on a regular basis by the Law Library's staff of Legal Information Librarians, you can access it via the Law Library's
, or by going directly to
. This month's entries include an update on the Federal Register's website, Federal Register 2.0, information on new Bluebook rules for treaty citations, a link to new SEC rules on nominating corporate directors and new law school classroom technology.
Welcome to Laurel Davis, new Legal Information Librarian
Laurel joined the Law Library staff on August 16th. Laurel has a distinguished academic background; she earned her Bachelor of Arts in English (summa cum laude) from Vanderbilt University in 2001; she graduated from Boston College Law School in 2006, and earned her Master in Library Science degree from Simmons College Graduate School of Library & Information Science in 2009. While in Law School, Laurel interned at Greater Boston Legal Services in the Family Law Unit and also at Rodgers, Powers & Schwartz, LLP. Laurel was admitted to the Massachusetts Bar in November 2006. Laurel was a post-graduate intern at the Boston College Law Library in the spring of 2007. Before coming to the Law Library as a full-time librarian, Laurel was a Legal Reference Specialist at the Office of the Attorney General Law Library in Boston.
CourtRoom View (formerly AudioCasefiles)
Interested in being able to listen to cases on your iPod while you commute or work out? Consider signing up for an account at
Courtroom View Network
(previously known as Audio Case Files), where you can download MP3s of cases commonly found in 1L casebooks, as well as cases for Con Law, Corporations, Evidence and IP. In addition to being a great resource for multi-taskers, this is a terrific option for auditory learners and visually impaired students. Courtroom View Network (CVN) also provides streaming video of seasoned practitioners from several jurisdictions arguing cases on a variety of subjects. To set up your BC Law student account, visit the
CVN website
; click the "Sign Up!" link at the top of the screen, and then follow the instructions.
New exhibit in the Rare Book Room!
When you are ready for a little study break, you are invited to visit the Law Library's
Daniel R. Coquillette Rare Book Room
to view our Fall 2010 exhibit:
Recent Additions to the Collection
. Highlights include a selection of early English law dictionaries, a stunning group of lawyers' private library lists, signed modern first editions from contemporary political figures, and some unusual memorabilia connected to the legal publishing industry in late nineteenth-century North America. The exhibit will be on view through early December 2010. You are welcome to drop in for a quick visit, or to use the Rare Book Room as a quiet study space any time it is open: generally Monday - Friday 9 to 5 (closed for events and class visits.) The Rare Book Room is strictly a food and drink-free zone; when you come, please leave all food, drinks, water bottles, and empty food and drink containers outside.
The Interpreter of Words and Terms. 1684.
Announcing the Bluebook: 19th edition
Just when you thought you had mastered the Bluebook a new edition has been released! The nineteenth edition released this summer covers issues such as how to cite ECF (electronic case files). Rule 18 has been revised to include more citations for electronic materials, such as podcasts of courtroom proceedings, and other internet-based resources. The introductory "bluepages" have also been revised as well. Come browse through the new edition - there are lots of copies available on reserve in the Law Library.
Courses, syllabi and other resources on the Web
Web Courses: You can easily check whether your courses have a course website by consulting the
web course list
eSyllabus@BC: Looking for a class syllabus? The University has a repository for all syllabi called eSyllabus, accessible through Agora. For more information and directions, click
(Computer Assisted Legal Instruction) Authorization Code When you
create a new account
have the BCLS Authorization code handy, BOSCOLstu16 (case sensitive). Use this when registering to gain access to all CALI Lessons, MediaNotes, and other offerings.
Mac users thinking about Finals already? Good news, ExamSoft has released a native Mac client. That means you no longer need to boot into Windows to take your exam. More information will be made available in the coming months. To check on the requirements or download click
Help for your computer!
Network activation, Law review template, student email, pharos documentation for all of these resources and more can be found on the law library's
technology pages
. Also, please remember that technology support is available at the Help Center in the Law Library; check
for details on technology support as well as Help Center hours.
The Fall 2010 Help Center hours are listed below. The hours will be posted on the Law Library website.
10 am - 1 pm
10 am - 1 pm
10 am - noon
10 am - 1 pm
10 am - noon
2 pm - 5 pm
2 pm - 5 pm
1 pm - 4 pm
2 pm - 5 pm
1 pm - 3 pm


text:
How They Won It: McGuireWoods, Crowell Score For DuPont
Thanks to the fruits of a yearlong discovery phase, what had started as a relatively simple civil proceeding stemming from the FBI's criminal investigation into a former DuPont body armor engineer's defection...
To view the full article, register now.
Try Law360 FREE for seven days
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text: Ok girlies.....I have a problem! I have been waiting for tax money to come in so I could buy the Cole Haan Small Village Bucket tote in Green. See link below: http://www.colehaan.com/colehaan/catalog/product.jsp;jsessionid=BJS05SGZZB5VQCQFTBDCGWYKAWMEOIV0?productId=135300&categoryId=300316&productGroup=135298 HOWEVER.... I found some 14k white gold 1/2 carat diamond stud earrings on sale for $329.99 USD (regularly $999.99 USD). Here's the link for those: http://www.overstock.com/?page=proframe&prod_id=64736 Of course I want both, but I can't afford to do that. So, that means it's one or the other. Now, I must say that I LOOOOOOVE purses and I would LOOOOOVE to have this Cole Haan. But, I also don't own any diamonds except for my engagement ring, of course, and I think it might be a nice addition. And they will last forever......but will the purse? Which would make me happier? Hmmmmm...I don't know. Any thoughts? I'm torn!


text:
* Q4 profit 35 mln rials vs 30.4 mln in 2011 - Reuters calculations
* In line with analysts' average estimate
* 2012 net profit 139.2 mln rials vs 117.5 mln rials yr-ago (Adds detail)
DUBAI, Jan 17 (Reuters) - Bank Muscat, Oman's largest lender, posted a 15.1 percent increase in fourth-quarter net profit on Thursday, Reuters calculations show, in line with the average estimate of analysts.
The bank made a quarterly net profit of 35 million rials ($90.9 million) in the three months to Dec. 31 compared with 30.4 million rials in the prior-year period, Reuters calculated from previous financial statements.
Six analysts polled by Reuters had on average estimated a fourth-quarter profit of 35 million rials.
Full-year net profits for the bank stood at 139.2 million rials, a 18.5 percent improvement on the 117.5 million rials it reported for 2011, a statement to the Omani bourse said.
The results were boosted by a 13.5 percent increase in non-interest income, which rose to 93.2 million rials, and a 8.6 percent gain in net interest income, which advanced to 230.4 million rials.
Impairments for the final three-month period of 2012 stood at 17 million rials, Reuters calculated, taking them to 57.9 million rials for the full year. This was up 11.1 and 3.2 percent respectively on the corresponding period of 2011.
Loans and advances rose to 5.6 billion rials at the end of 2012, up 16.2 percent from 4.82 billion rials at the same point in 2011.
Deposits increased 10.9 percent in 2012, the bank said, rising to 5.38 billion rials from 4.85 billion rials at the end of 2011.
Earlier this week, Bank Muscat said it had received a licence from the country's central bank to commence Islamic banking operations under its Meethaq Islamic Banking brand.
Bank Muscat shares rose 0.7 percent in early Muscat trade. ($1 = 0.3850 Omani rials) (Reporting by David French; Editing by Dinesh Nair)


text:
Traveling Luck for Church Camp, North Dakota, United States
Where is Church Camp?What's around Church Camp?
Wikipedia near Church Camp
Where to stay near Church Camp
The timezone in Church Camp is America/Rankin_Inlet
Sunrise at 08:29 and Sunset at 17:34. It's Dark
Latitude. 47.9739°, Longitude. -102.5956°
Weather near Church Camp; Report from Williston, Sloulin Field International Airport, ND 92.6km away
Weather :
Temperature: -12°C / 10°F
Wind: 0km/h North
Cloud: Sky Clear
Weather :
Temperature: -12°C / 10°F
Wind: 0km/h North
Cloud: Sky Clear
Satellite map around Church Camp
Loading map of Church Camp and it's surroudings
Geographic features & Photographs around Church Camp, in North Dakota, United States
- administrative division;
- an administrative division of a country, undifferentiated as to administrative level.
- Osborn, Township of (8.5km)
- New Town, City of (9.1km)
- Big Bend, Township of (9.4km)
- Riverview, Township of (13.1km)
- Knife River, Township of (15.4km)
- Howie, Township of (15.6km)
- East McKenzie, Unorganized Territory of (16.6km)
- Van Hook, Township of (19.4km)
- Crane Creek, Township of (20.2km)
- Hawkeye, Township of (20.8km)
- park;
- an area, often of forested land, maintained as a place of beauty, or for recreation.
- Four Bears Park (1.4km)
- Crow Flies High Butte Historic Site (4.4km)
- Antelope Creek State Game Management Area (4.5km)
- New Town Public Use Area (5.8km)
- Reunion Point Public Use Area (10.1km)
- Clarks Creek Public Use Area (10.7km)
- Antelope Creek State Wildlife Management Area (12.8km)
- Little Shell Creek Public Use Area (19.1km)
- Local Feature;
- A Nearby feature worthy of being marked on a map..
- Church Camp (0km)
- Crow-Fish-High Indian Agency (historical) (4.7km)
- Snowbird Chapel (4.7km)
- Great Bend (historical) (12.8km)
- C Brenna Ranch (19.5km)
- Keogh Ranch (20.6km)
- O and C Froholm Ranch (21.5km)
- cemetery;
- a burial place or ground.
- Goodbird Cemetery (5.5km)
- Riverview Cemetery (5.5km)
- Riverside Cemetery (17.2km)
- Redeemer Cemetery (18.5km)
- Antelope Cemetery (20.5km)
- Finstad Cemetery (21.1km)
- stream;
- a body of running water moving to a lower level in a channel on land.
- Antelope Creek (4.8km)
- Little Antelope Creek (5.3km)
- Little Knife River (9.3km)
- Clarks Creek (10.2km)
- North Fork Clark Creek (14.7km)
- White Earth River (21.9km)
Accommodation around Church Camp
- bay;
- a coastal indentation between two capes or headlands, larger than a cove but smaller than a gulf.
- Four Bears Bay (0.7km)
- Sanish Bay (5.7km)
- Hunts Along Bay (9.9km)
- Reunion Bay (10.1km)
- Bear Den Bay (21.5km)
- mountain;
- an elevation standing high above the surrounding area with small summit area, steep slopes and local relief of 300m or more.
- Blue Butte (18.1km)
- Table Butte (20.2km)
- Chimney Butte (21.6km)
- populated place;
- a city, town, village, or other agglomeration of buildings where people live and work.
- Four Bears Village (historical) (1.9km)
- Sanish (4.3km)
- New Town (9.1km)
- airport;
- a place where aircraft regularly land and take off, with runways, navigational aids, and major facilities for the commercial handling of passengers and cargo.
- New Town Municipal Airport (10.2km)
- Keogh Landing Strip (20.2km)
- valley;
- an elongated depression usually traversed by a stream.
- Rough Coulee (10.3km)
- Whitebody Coulee (10.9km)
- church;
- a building for public Christian worship.
- Grand Valley Church (7.3km)
- Little Shell Church (21.8km)
- oilfield;
- an area containing a subterranean store of petroleum of economic value.
- Antelope Oil Field (14.3km)
- school;
- building(s) where instruction in one or more branches of knowledge takes place.
- Reservation School (18.6km)
- island;
- a tract of land, smaller than a continent, surrounded by water at high water.
- swamp;
- a wetland dominated by tree vegetation.
- Muskrat Lake (19.1km)
- bridge;
- a structure erected across an obstacle such as a stream, road, etc., in order to carry roads, railroads, and pedestrians across.
- Four Bears Memorial Bridge (2.9km)
- lake;
- a large inland body of standing water.
- Robinson Lake (21.1km)
- bar;
- a shallow ridge or mound of coarse unconsolidated material in a stream channel, at the mouth of a stream, estuary, or lagoon and in the wave-break zone along coasts.
- Dougans Towhead (historical) (10.3km)
Wikipedia entries close to
Church Camp
- Four Bears Village, North Dakota city o
- New Town, North Dakota city city o
- Keene, North Dakota city o
- Mandaree, North Dakota city city o
- Parshall, North Dakota city city o
- Ross, North Dakota city city o
- Stanley, North Dakota city city o
- White Earth, North Dakota city city o
- Plaza, North Dakota city city o
- Palermo, North Dakota city city o
- Tioga, North Dakota city city o
- Watford City, North Dakota city city o
- Makoti, North Dakota city city o
- Ray, North Dakota city city o
- Powers Lake, North Dakota city city o
- Arnegard, North Dakota city city o
Airports close to Church Camp
Sloulin fld international(ISN), Williston, Usa (92.6km)
Minot international(MOT), Minot, Usa (117.3km)
Minot afb(MIB), Minot, Usa (118.8km)
Estevan(YEN), Estevan, Canada (159.2km)


text:
Zwetschgentorte (Plum cake)
This delicious recipe is simple and tastes like a cross between cake and cobbler. It's moist and fruity with a crunchy top. I adapted it from a recipe by Marian Burros.
3/4 cup (150g) plus 1-2 tablespoons sugar
8 tablespoons (112g) unsalted butter
1 cup (114g) unbleached all-purpose flour, sifted (Type 550 flour)
1 teaspoon baking powder (double-acting)
2 eggs
Pinch salt
about 20-30 prune/purple plums (Zwetschgen)
1 teaspoon ground cinnamon, or more if desired
optional: ground cardamon
Place rack in bottom third of oven. Preheat oven to 350°F (177°C).
With an electric mixer, cream together 3/4 cup (150g) sugar and the butter. Add the flour, baking powder, eggs, and salt and beat until mixed well. Place in a 9- or 10-inch ungreased springform pan. Arrange the plum halves on their sides on top of the batter. I can get three concentric circles in a 10-inch springform. Press lightly with palms of hands to push the plum halves slightly into the batter. Mix the cinnamon (and cardamon, if desired) with the remaining sugar and sprinkle over the top.
Bake for 40 to 50 minutes, until a toothpick inserted in the center comes out clean. Remove and cool to room temperature or serve warm.
Makes 8 servings.


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Where is Fort McMurray
Fort McMurray is a large hamlet in Alberta, Canada within the Regional Municipality (R.M.) of Wood Buffalo that is recognized as an urban service area. Fort McMurray, previously incorporated as a city on September 1, 1980, became an urban service area when it amalgamated with Improvement District No. 143 on April 1, 1995 to create the Municipality of Wood Buffalo (which was later renamed to the R.M. of … – All text is available under the terms of the GNU Free Documentation License – Wikipedia
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PETER WRIGHT is gunning for a spot in the Ladbrokes World Darts Final – having finally proved he's about more than wacky haircuts and madcap trousers.
The Scottish star is on the verge of an incredible place in the game's showpiece clash as he faces Simon Whitlock in tonight's first semi-final.
Wright's run to the last four has been immense, culminating in a sensational sudden-death quarter-final victory over Wes Newton on Saturday night.
Ranked 16th in the world at the beginning of the event, the Livingston-born marksman has proved his class throughout the tournament.
In addition, the 43-year-old has also silenced those who believed Wright was all about flash dyed hair and the colourful clothing which has landed him a deal with company Loudmouth.
He said: "In recent years, most other players and critics have just thought I was the weirdo with the flash colourful haircut. But I've always known that I had the ability to prove myself at the highest level and now I've managed to do that on the biggest stage of them all.
"I've had to take some stick along the way but I don't care.
"I know all the pundits just talk about my hair and outfits but now everyone is starting to sit up and take notice of me.
"These performances have been coming for a while. I've been building gradually and getting better.
"Now I have the chance for the big one.
"I reached the semi-finals of the UK Open and last 16 of the World Matchplay and those matches have given me so much experience of the big occasion.
"I lost to Phil Taylor in the UK Open and Michael van Gerwen in the Matchplay.
"I'm only getting beaten by the really top guys, so knowing that is giving me the belief that my own game is good enough to win titles.
"I got slaughtered by Michael in last year's World Championship and that taught me a big lesson.
"I hated getting beaten so badly and told myself that I had to really knuckle down if I was to make a name for myself, and I have.
"I'm not the sort of bloke to get carried away. I've been through too much in my life for that, I know that life is a rollercoaster. I will take one dart, leg and set at a time and deal with every situation put in front of me."
With Robert Thornton and Gary Anderson falling at the last 16 stage and John Henderson out in round two, Wright's delighted to be flying the flag for Scotland.
And he is adamant that, despite showing some of the best form in the tournament so far, there is more to come.
He said: "I know for a fact I haven't peaked and my performance against Wes was well below par.
"I don't understand why that happened but I can't afford for it to happen again. I know I can go all the way in this tournament but I have to improve right now.
"I've learned a lot in the past five or six years on the PDC circuit and I'm making my game strong all round, so that the bad games are not really that bad.
"There's another two games left to win now in this tournament and I'm very grateful for a day's rest.
"The third-round game against Michael Smith took a lot out of me and I played again over a long distance against Wes. It has been a learning process.
"I've changed my darts, had to get used to the TV and the fantastic crowds and enjoy myself up on stage, not putting myself under unnecessary pressure.
"I'm doing that and enjoying myself, and to reach the semi-finals of the biggest event in the game shows that all the practice I've put in and the changes I've made have really paid off."


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I will be 47 when the baby is born
I was in your shoes about 6 weeks ago. I just turned 12 weeks today.
I am 46, going to be 47 when the baby is born, and already have 8 children, youngest of whom will be six. I sure thought I was done with all this!
I was shocked and not too happy for the first month, a little less shocked and a little more happy the second month. After the shock wears off, I think you will become more excited about the new life within you.
I too am very nervous about carrying a baby at this age, and also the repeat cesarean (this will be my 8th cesarean, and the last one was a little tougher to get over because of all the scar tissue and trouble getting Steven out). So I am very nervous about this one.
But I figure that God put me in this boat for a reason, and He will take care of me. Having faith is the only way to get through this life-altering experience, believe me!
I had my daughter November 29,05 and all went well. I was 44 when I had her.
The only difference for me was that I had so much scar tissue from my first c-section six years before, that my OB [obstetrician] had a harder time getting to her, and thus I had a little harder time recovering.
I had terrible post-partum depression with my son six years ago, and went through it again with this one.... but was more prepared and went on medication sooner.
My six year old was a great help to me, as I am sure your older children will be for you! Chloe is now 14 weeks old, and is a joy to have around.
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Housing and Advising Form
IMPORTANT - You will need to Access & Activate your YaleNetID in order to view and complete this form.
Click here at noon on June 28, 2017, to find your residential college, room, roommate and first-year counselor assignment.
Please review all of the following information before clicking on the links at the bottom of this page.
The information you provide on the Housing and Advising Form will be used to assign you to a residential college, your suite mates, and your first year adviser and first year counselor. You must complete and submit this online form in order to receive a residential college and room assignment. We strongly suggest that you start to work on the form well before the May 5th deadline. Most students prefer to complete the form in two sessions.
General Housing Information
Yale strongly believes that the best housing situations involve an interplay of people with different backgrounds and interests, and it is our experience that students gain much from this interplay. Indeed, we believe that such interaction forms an important part of a Yale College education. This system has worked very well in the past, and we trust that you will find it rewarding.
- Each Yale College student is a member of one of the fourteen residential colleges. First-year students live in Timothy Dwight College, Benjamin Franklin College, Pauli Murray College and Silliman College or in one of the eight dormitories on the Old Campus (Bingham Hall, Durfee Hall, Farnam Hall, Lanman Wright Hall, Lawrence Hall, Welch Hall, Vanderbilt Hall) with other first-years assigned to their residential college (Berkeley College, Branford College, Grace Hopper College, Davenport College, Jonathan Edwards College, Morse College, Pierson College, Saybrook College, Ezra Stiles College, Trumbull College).
- Most first-year housing consists of single-sex suites on mixed-gender floors. Most suites accommodate four, five, or six first years and typically include a common living room with attached bedrooms. First-years usually share a bedroom with a roommate. It is not possible to honor requests for single rooms.
- Most student rooms are not air conditioned, and students are not ordinarily permitted to install or operate their own air conditioners.
- Once housing has been assigned, it is impossible to honor requests for changes.
Special Notes about Housing, Dining Services, and Accommodation for Students with Medical Conditions and Disabilities
- First and second year students are required to live on campus unless they are married or are at least twenty-one years of age. Requests for permission to live off campus for either of these reasons must be submitted in writing to email@example.com by Friday, May 5. Eli Whitney students are not eligible to live in the residential colleges.
- In general, we do not honor requests for a particular college. There are just two exceptions:
o An incoming first-years may request the residential college in which a parent, sibling, or grandparent lived as a Yale undergraduate.
o When siblings will overlap as enrolled Yale undergraduates, an incoming first year student may request the sibling's college or ask to be randomly assigned to one of the other thirteen colleges.
The basis for these requests must be clearly indicated on the Housing and Advising Form. The request must include the family member's name, class year, relationship to you, and the name of the residential college. Other requests for a specific residential college will not be considered.
- A student who requests special consideration in rooming because of a disability or medical condition must:
o state the circumstances in a letter addressed to the Resource Office on Disabilities and
o send appropriate supporting medical documentation, signed by a treating physician and on letterhead stationery.
A timely response is especially important because once a rooming assignment has been made it will not be possible to change it. Although students will learn about their college assignments in late June, most assignments will be made during the last week of May. Please Note: Many physicians have very busy practices. It is important that you contact your doctor well in advance of the May 5 deadline so that your doctor's letter will arrive in time.
The student's letter and the medical documentation may be sent separately, but both must be received by Friday, May 5, 2017. Send this information to:
Director, Resource Office on Disabilities Yale University
P.O. Box 208305
New Haven, CT 06520-8305 Fax: 203-432-8250
*If sending by Overnight, Special Delivery, UPS or Fed Ex: 35 Broadway (rear entrance), RM 222, New Haven, CT 06511
- Students with food allergies must notify the University so that plans can be made for necessary dietary considerations in dining halls. For instructions on how to notify us, please send an e-mail with the subject heading: "First-Year Student Reporting Food Allergies" to firstname.lastname@example.com and include your name, full mailing address and a phone number where we can reach you.
Academic Advising Information
Academic advising at Yale is a collaborative effort shared by the residential colleges, academic departments, and offices connected to the Yale College Dean's Office. Residential deans in each of the fourteen colleges provide general academic advice about matters such as selecting courses, choosing a major, and satisfying requirements for promotion and graduation. Designated faculty in each of the academic departments and programs provide specific advice concerning placement in courses and requirements for the major. Advisers in offices allied with the Residential College Dean's Office offer guidance about a wide range of interests, including summer opportunities, study abroad, premedical planning, fellowships, and post-graduation plans.
In addition to these advisers, you will also have a first-year counselor and a first-year adviser who will assist with your transition to Yale and help you identify other relevant resources on campus. Your first-year counselor is a senior in your residential college who will live near you in your entryway. Your first-year adviser is a faculty or staff member affiliated with your residential college who has volunteered to talk with you about your academic and other interests, adjustment to Yale, and your goals for your Yale College education.
It is important to understand that you have a critical role to play in your advising relationships. Your advisers are conversation partners, not information dispensers, and you should prepare to participate in these conversations by first reflecting on your interests and goals. You can begin that conversation by thoughtfully answering the questions that relate to your academic and extra-curricular interests on the second half of this form.
- Complete the Housing and Advising Form
- You will need to activate your Yale NetID before you access the Housing and Advising Form.


text: difficult child was ejected from his baseball game today. He struck out and while walking back to the dugout he was banging his bat on the ground in anger and as he got into the dugout, he threw ( hard) his bat on the ground and his helmet too but the helmet hit all the bats on the wall and knocked them all down and the umpire ejected him for poor sportsmanlike behavior. He was also told he not only had to leave the dugout, but could not even remain in the baseball park! His team is in a weekend tournament and then we come to find, if you are ejected in one game, you can not play in any remaining games. Honestly, I find that part a bit strict. Even in the prof. baseball games, if a player is ejected, they can play in the next game. Not that I am condoning difficult child actions in the least but again, these are kids and they do deserve a 2nd chance. With all of difficult child problems, this has never happened to him. Now difficult child being who he is, when we got our stuff and left, I tried to speak with him.....he told me it was the umpires fault because he called the strike and if he was a better umpire and made a better call, difficult child would not have struck out and he would not have had to get mad!!?? Are you kidding me?? Oh and all umpires make bad calls against him more than anybody else!! How do you get thru ever to someone with this kind of thinking? How do you make him see his actions are his responsibility? Maybe the umpire made a bad call but difficult child chose to react the wrong way and got himself in trouble. We have been thru years of counseling, psychiatric., etc... and nothing helps to change this thinking pattern or help him keep his calm in moments like this. Besides my anger and embarrasement, I am more sad for difficult child because baseball is his passion. He looks so forward to his games, etc... I wish I could some how help him from losing it in time of frustration. I guess sports are no place for children with mental health issues. No one wants to hear about it or give them "extra" chances because they are different because then it sets a bad example. Very frustrating. In a "normal" child, this bad experience would serve as an example and that sort of behavior would not happen again but with a difficult child type of child, not so much because it is hard for them to control themselves. difficult child has been sobbing off and on since we got home saying he wish he didn't do that! Its really hard, isn't it! Jan


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Colored concrete is one of the most popular options in turning plain surfaces into more decorative walking areas. There are various methods of adding color to surfaces. Paint is the most common but its short life span is not something homeowners or even commercial space owners would like to deal with. Now, there are concrete staining services that provide a longer lasting color effect on the surface. It creates a more elegant and vibrant look, without compromising durability and functionality.
Concrete Staining Options
Acid Stain – This solution is a great choice if the preferred look is not specific. It produces a random, semi-translucent, and unique effect, depending on the mineral content of the existing slab. When one would acid stain a cement surface, expect a marble-like look and a range of hues, even if only one color is used.
Water-based Stain – This produces a more opaque effect so expect the colors to really stand out in a consistent tone. For more specific designs or patterns, it is ideal to use this.
Factors to Consider When Staining
Preparing the surface of the existing concrete floor is important before the process can be done. A professional installer would often assess the floor first to determine if the floor is in a good enough condition for a stain or if any repairs need to be applied first. Color choice must also be discussed before the process is started. It is highly advisable to consult a pro or a color chart for color options.
Call (323) 319-5230 for all your stained concrete floor needs!
A stained concrete floor can only be considered a success if it looks absolutely stunning, if it lasts long, and if it provides the satisfaction that every customer in Los Angeles, California deserves. We at Decorative Concrete Surfaces truly believe in this which is why we make sure that we provide top quality services at prices that residential and commercial property owners can be comfortable with. Our team are experienced and trained well enough to know how to stain floors with efficiency. Interested? Give us a call or send us an email!
Featured Projects:
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Christopher van Elk has represented corporations, hedge funds, and private equity funds in variety of corporate, bankruptcy, securities, and contract matters. His experience includes global financing transactions, equity and convertible note investments in public and private companies, and negotiation of asset acquisitions and dispositions in bankruptcy proceedings and otherwise. He has handled matters involving the representation of debtors, creditors committees, DIP lenders, and individual creditors. His experience also includes initial public offerings and a variety of merger transactions involving various industries including the auto industry. Mr. van Elk has negotiated and drafted agreements, bankruptcy pleadings and SEC filings as well as conducted due diligence. He has managed closing the sale of fund assets, including negotiating resolution of last-minute disputes.
New York University School of Law, J.D., 2000
University of Michigan, B.A., 1997
156 West 56th Street, Suite 803
New York, NY 10019-3800
Phone: 212.265.6888
Fax: 212.957.3983


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Quality CareFind out why Mayo Clinic is the right place for your health care. Make an appointment.
Meet the StaffFind a directory of doctors and departments at all Mayo Clinic campuses. Visit now.
Research and Clinical TrialsSee how Mayo Clinic research and clinical trials advance the science of medicine and improve patient care. Explore now.
Visit Our SchoolsEducators at Mayo Clinic train tomorrow's leaders to deliver compassionate, high-value, safe patient care. Choose a degree.
Professional ServicesExplore Mayo Clinic's many resources and see jobs available for medical professionals. Get updates.
Give to Mayo ClinicHelp set a new world standard in care for people everywhere. Give now.
Co-culturing neural stem cells with explants of neurogenic regions facilitates research on neural stem cell interactions with neurogenic regions. Here, neural stem cells (green) are attracted to a cluster of blood vessels in the neurogenic subventricular zone.
When encouraged to differentiate toward a neuronal lineage, embryonic stem cells recapitulate the early stages of embryonic development. Here, proliferation of neural progenitors gave rise to a large number of neurons (red), prior to appearance of astrocytes (green).
Until recently, thymidine analogs were used to label stem cells for experimental implantation into the rodent brain. Results suggested extraordinary abilities of adult stem cells. However, a high percentage of cells typically die shortly after transplantation. Dr. Burns and colleagues found that thymidine analog (red) from dead cells can be recycled and incorporated into the DNA of live proliferating cells in the recipient brain, making them appear as transplanted cells. As such, this technique is now known to be unreliable.
Hippocampal neurogenesis is involved in learning and memory, but declines with age, brain radiation and neurodegeneration, suggesting a possible role for stem cell therapies in these diseases. Here, transplanted embryonic stem cell-derived cells (green) incorporate alongside other newly born doublecortin-expressing (red) neurons in the hippocampal dentate gyrus.
The subventricular zone (SVZ) is one of the major sources of adult-born neurons. Blood vessels in the SVZ help regulate the behavior of neural stem cells, providing an important vascular niche for neurogenesis. This image of a microdissected mouse SVZ stained with nestin (red), glial fibrillary acidic protein (blue) and laminin — a vascular basement membrane protein (green) — demonstrates the intricate vascular network in the SVZ.
The Mayo Clinic Regenerative Neurosurgery and Neuro-Oncology Lab studies therapies to enhance survival and quality of life for patients with neurological diseases or brain tumors.
Dr. Burns' research priorities include overcoming barriers to translation of neuroregenerative therapies and optimizing neurological and cognitive function of patients previously treated for brain tumors.
The Regenerative Neurosurgery and Neuro-Oncology Lab works with investigators from across Mayo Clinic and around the world to accelerate therapies for patients.
Interested in joining the Regenerative Neurosurgery and Neuro-Oncology Lab?
Stay connected with the Mayo Clinic Regenerative Neurosurgery and Neuro-Oncology Lab's work through published articles.
Contact the Regenerative Neurosurgery and Neuro-Oncology Lab with questions about research or career opportunities.
Any use of this site constitutes your agreement to the Terms and Conditions and Privacy Policy linked below.
Mayo Clinic is a not-for-profit organization and proceeds from Web advertising help support our mission. Mayo Clinic does not endorse any of the third party products and services advertised.
A single copy of these materials may be reprinted for noncommercial personal use only. "Mayo," "Mayo Clinic," "MayoClinic.org," "Mayo Clinic Healthy Living," and the triple-shield Mayo Clinic logo are trademarks of Mayo Foundation for Medical Education and Research.


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Help! I'm walking my dog, but I want to stop in the store! What do I do?
Well, you're in luck! We LOVE dogs. In fact, we might just pet your dog and ignore you. Just kidding. But feel free to bring them in to visit anytime!
What is your return policy?
In-Store Returns
We want you to be happy! If you are unsatisfied with your (unused) purchase, we will happily exchange it or give you in-store credit for the purchased price with an original receipt.
If your item is defective, please bring it in for us to take a look at it! Defective items will be returned for full refund or exchange.
Online Returns
We're also happy to offer an exchange or in-store credit for online sales, as well. Please return the item in the original packaging used for shipping, with a copy of our return form. Please note that shipping costs are non-refundable and returns do not include prepaid shipping. If you're in the area, you can also just stop in and return it in person!
If your online purchase is defective, please contact us at 608-467-6544 between 10:00 am and 5:00 pm CST, Monday through Friday, to report receipt of a damaged item. We will arrange for pick-up and will either refund you or send you a replacement.
If I want to visit the store, where is the best place to park?
There is on-street parking in front of our store on King Street, as well as on-street parking near our back entrance on S. Pinckney Street. If those are full, try out the city's Judge Doyle parking garage at the corner of Doty Street and South Pinckney street. And, if you get lost, give us a call: 608-467-6544. We'd be glad to help!


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Mobile today is an integral part of almost every aspect of the modern lifestyle. From getting in touch to getting the latest news about the happenings around the world or knowing what friends or family is doing at the moment, one gadget is the solution to everything. Today mobiles are
The Smartphone are generally categorized as the two types – the Android mobile sets and the iOS mobile sets. The Android OS developed by Google is open source free OS which is running majority of the Smartphone today. The iOS is the operating system running the Apple iPhone and iPad. These two make up for almost the entire market of the Smartphone. The major attraction of the Smartphone is the innumerable applications available in the stores of the respective OS developer which includes educational applications, business applications, entertainment applications, games and many more. These applications have gained huge popularity among the users and the application development today in itself is an industry.
Many corporate giants have seized the opportunity to launch their very own applications to get to know their consumers in a better, more personalized manner and provide them customized and personalized services. But, the question remains who to trust with the development of such an important product. TechnoCrackers have great experience in Android mobile application development and iPhone application development.
TechnoCrackers have a team of dedicated developers each for Android mobile and Apple iPhone. It should be kept in mind that the Android OS and the iOS are two very different platforms and when one it targeting their business client one needs to create the same application which will have different versions which are compatible with either operating system. Our team of application developers has professional knowledge and experience in development of Android mobile application development as well as iPhone application development. We provide the best solution to all our clients' software needs.
TechnoCrackers has a rigorous quality control mechanism which ensures that the applications developed are up to the professional standard. The Android mobile applications and the iPhone applications are both constantly checked and monitored during and after the development to ensure that they are running smoothly across all mobile platforms and are completely free of any bugs. Our testing process ensures that high quality is maintained in all our developments.
Though there are plenty of other IT firms which claim to provide the best service, we let our past works to speak for ourselves and provide us credentials. Anyone in need of IT related service can get in touch with High tech IT solution for the perfect result well within the budget.


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Marcus Hook Roll BandLabel: Warners
Release Date: 02 June 2014
Format: LP Vinyl
|Marcus Hook Roll Band TALES OF OLD GRAND-DADDY Limited Reissue Vinyl LP
The legendary album by the Marcus Hook Roll Band Tales Of Old Grand-Daddy is being re-issued with 2 previously unreleased tracks and 3 rarities. The album was only ever been released in Australia (on vinyl in 1973 & on CD in 1994) and the US (on vinyl in 1979).
The album is tough, perfectly structured and intelligent. A very convincing political and social sentiment runs through many of the songs, as does a strong soul/funk influence. And featuring the first recordings of Angus and Malcolm Young its a real must for AC/DC fans.
AC/DCs management are behind this release and have promised full support on their official site and social media.
Featured Tracks:
Side 1
1. Can't Stand The Heat
2. Goodbye Jane
3. Quick Reaction
4. Silver Shoes
5. Watch Her Do it Now
Side 2
1. People And The Power
2. Red Revolution
3. Shot In The Head
4. Ape Man
5. 5 Cry For Me


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A women's fashion store has closed in Northampton town centre.
Monsoon has shut up shop in the ground floor of the Grosvenor Centre, next to Superdrug.
The shutters have come down and a poster has gone up in the window saying that the store was due to close on July 16.
It advises shoppers that the nearest Monsoon shop is now in Market Place, Rugby.
Alternatively customers can still shop online.
Last year it was announced that Monsoon, which also owns Accessorize, would be closing stores after a fall in sales and profits.
Accessorize which sits within part of the same unit as Monsoon, opposite Primark, remains open.


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What Makes a Web Design the Best
These days, having a good web page design really matters even how small your business is or how big the company is. Having a website that gives a great look to one's company simply builds a great name in the industry because of its resourcefulness in making one business strategy work beyond the expected output. In this article, you will be able to know more on some great ideas on how to make one web design the best and being looked up for by every people.
First and foremost, in doing a web design in order for a company to gain more sales and be well-known to the public, one must have a design that is responsive enough. As known, the public has been using mobile applications just to keep in touch with the latest in the marketing industry. That is why; the responsiveness of one's design should not be taken for granted since it paves the way in increasing your visibility to the public. Therefore, the more you get exposed to the people thru online, it gives your business the chance to get greater sales and win back the goal you always dreamed to achieve.
Also, the images should be considered in making your web design the best among the others. Choose images that surely attract the public. Take note, at a first glance, your potential clients won't look at the words written on the page but on the images used in the design. So, be creative and use high quality photos in your designed web site.
Be simple. That's what should be done in every web design. As said, "simplicity is beauty." Making a web page that is not complicated enables your online customers to focus attentively to your main event of the page. Remember this, less is more, for as long as you know exactly know how to make a professionally made page that encourages your clients to stick on the website and never leave without purchasing anything.
Lastly, a web page should have a well-balanced background theme and font size and style. Design something that makes your page stand out among your competitors which will enable you to outperform the others. Uniquely experimented fonts give a more appealing design for your web page.
Branding agency can create an image of your agency that will surely capture the attention of the people.


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It's National Squirrel Appreciation Day! When you pass one of our small, furry friends today, be sure to stop...
Explore other offices & services
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Community Service, Mark & Jeannette Kleine Center for
Global Studies, Eleanor Stellyes Center for
Government & Community Relations, Office of
Information Technology Services
Institutional Research, Office of
Intercultural Life, Center for
International Student Services, Office of
Research & Advanced Study, Gerald & Carol Vovis Center for
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Teaching & Learning, Center for
Knox has a number of small houses on campus for students. Many of these houses may be assigned through the Special Interest Theme Housing process. Any remaining houses are granted to students through the Small House Selection. The Student Life Committee of the Student Senate will finalize the awarding of the Special Interest Houses for the 2017-2018 academic year in late February, and those houses will therefore not be available through Small House Lottery.
All campus houses have full kitchens. Students should remember the following before applying:
There is no additional fee to live in a campus house for the 2017-2018 academic year, but students will be charged the single room rate if they live in a single room. This applies to all single rooms, including those in Small Houses, International House, Asian Cultural House, Casa Latina, Q & A House, Harambee House, and ABLE House.
Overloads are not allowed in campus houses.
265 South Academy
Capacity: 10 students (2 singles, 4 doubles)
Available through: Special Interest Theme Housing
270 West Tompkins
Capacity: 10 students (5 doubles)
Available through: Special Interest Theme Housing
Peterson House
Capacity: 11 students (5 singles, 3 doubles)
Available through: Singles and General Room Selection
516 South West
Capacity: 18 students (6 singles, 4 doubles, 1 quad) all female
Available through: Block/Singles/General Room Selection
697 South West
Capacity: 6 students (3 doubles)
Available through: Special Interest Theme Housing
Back to Hello.knox.edu


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My views are picking up nicely but my bounce rates seem pretty high. Any ideas as to how I can fix this problem? I think Google will nail me if I don't!
Trust me. A high bounce rate by itself will not hurt you. If your bounce rate is high and your time on page is very, very short, I think it may cause problems, but that is pure conjecture. I have nothing to back that up.
Thats the ticket right there, if you have a high bounce rate, and your view time is large, you may want to link more to other works in your works. I only have 8 Hubs, but in http://morgaren.hubpages.com/hub/Pay-to … es-it-mean you can see where I have a link and areas where I will link later, after I write the articles mentioned. I see you do some links at the bottom, but you may want to insert a link when you mention it in the article, that way if you mention what the reader is really looking for they can click immediately.
Actually, I do link within my hubs and then link again when possible at the end. My time on page isn't very good, either...but I'm not sure what a good "time on page" is. Please give me your thoughts as I am really bothered by this issue.
Okay I looked at something along the lines of three hubs, it is why I mentioned it, those three didn't have it, just at the bottom. A good time on page is over 30 seconds, that is enough time for someone to read some of your page and see if it is what they are looking for.
Even better is in the 2+ minute mark, really depending on how long your articles are.
If what you say is correct about time on page, I'm doing better than I thought in that arena. Some of my hubs have tons of links both in and outside of the articles, but some just aren't the types of articles (ie humor) where that works. Thanks so much for the info....you really put my mind at ease.
What you want to avoid is hits with 0-1 seconds, those are just bot programs hitting your page. You won't be able to avoid people coming in and leaving without going to another page, but if they are there more than 30 seconds they looked at what you were writing and found out it's not for them.
I thought bounce rate and time on page were the same thing..in other words, someone starts to read then doesn't finish and leaves the page. Am I right or is there something I'm missing here?
Bounce rate is just they come to your page, and leave without taking an external link out, or clicking on a link someonewhere in your site. Mostly in the form of they the click from a search engine, stay for x amount of time then hit the back button or exit from typing a new address in the address bar, or closing the browser. I am pretty sure time on page is completely unrelated, there are two different catagories for things like that on google analytics.
My analytics say that I have 494 page views, avg. visit duration 00:14:53, and a bounce rate of 37.5%
Can someone translate this for me, it the avg time in minutes or seconds. 14 minutes is a long time for 494 people to have spent on my hubs. I only joined yesterday so it might not be long enough for Google to give me an accurate reading?
494 page views isn't 494 visitors, its also going to include when you edit and reload your pages. If you sit on your page and refresh it 10 times, that is 10 page views.
your data shown is probably accurate from analytics though, you need some good long term data to be able to establish trends.
15:53 is 14 minutes and 53 seconds, bounce rate of 37.5% is that about 1/3 of people come to your page and leave without looking at anythign else. You won't be able to get accurate numbers until you have been doing online writing for about a month. I have exp with a personal website, but driving traffic there was much harder than I thought, having access to a community like hib pages is an excellent start.
Thanks, the first time I logged onto analytics is seemed very daunting but now I am slowly working it out.
Haha excellent metaphor (I hope it was a metaphor anyway )
So whats some healthy stats to try and stay at. In terms of bounce rate and page view time?
Pretty much what I listed to time traveler, I am not a very successful writer, I have been here a week and haven't had 500 views, but you want 30sec plus+ to be your smallest amount of time, people spending less that 10 seconds didn't read a single word. Bounce rate isn't a huge issue if your view times are good.
Morgaren: How do you know so much about this stuff if you've only been here a week? And frankly, 500 views in your first week is quite good, so don't assume you're not a successful writer. It can take up to a year for your hubs to mature, so if you've got 500 already, you're going to be VERY successful here.
Just because I am new here doen't mean I am new to writing on the internet. I own a site that I got lazy and quit driving traffic too.
Well, that answers it. Good luck to you.
Same to you, there are things i don't know alot about like standing out in a niche market, SEO and the like, but analyzing google analytics is one of my better areas in which I am well versed. Frankly I have mad maybe 400 hits on my 9 hubs in a week, and I am going to keep trying to add to my list, but if each hub only gets 0-3 hits a day, I kinda think I am doing something wrong.
by ThoughtfulSpot7 years ago
I've been bumping around analytics, and I'm having trouble find this answer. (I've really just started looking at it, and haven't figured out exactly how to use it to my best interest yet.)But, could somebody define...
by Muhammad Rafiq3 years ago
What is the Bounce Rate of your hubs? How does it affect the overall efficiency of our blog? Please discuss.
by johndwilliams2 years ago
Well I was well impressed today - just looked at my Google Analytics and I have an 85% Bounce Rate.Am I doing something wrong?
by JR Scarbrough MFA4 years ago
Hey Hubbers! I'd thought I'd share something for those who are new to trying to earn money from writing articles here on Hub. This information isn't solely about HubPages, but is helpful when running any website...
by Susan Britton4 years ago
I have a high bounce rate in the eighties and I have read it should be at 50 . Is this true? Can anyone share how they get their bounce rate to the fifties?
by Marisa Wright6 years ago
I confess I'm lazy when it comes to Analytics, but I've been looking at it more closely with the recent surge in traffic. I notice my bounce rate is horrific - over 80%. I've always been confused what...
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SHEFFIELD are unlikely to bring in a replacement for the injured Emiliano Sanchez.
The Argentinian champion crashed out of last week's defeat to Scunthorpe and has a suspected fractured scaphoid with further X-rays due in a fortnight.
It is believed he has a hairline fracture in his hand and Tigers team manager Dave Hoggart doesn't expect an extended spell on the sidelines for his man.
He said: "Emiliano has around 10 days before his next examination, and then he will either be okay to start racing again or they will tell him to rest some more. He certainly won't be out for as long as first feared so I can't see us needing to replace him.
"The rest of the team covered his absence well with Joe Haines, Hugh Skidmore and Ricky Wells filling in very well. We can be a bit up and down, but they pulled it out of the bag and we need them to continue to do so and we're confident we can cover his rides."
Hoggart praised Ricky Wells who top-scored with 14 last Thursday - "he makes it look effortless, he's coming into form and great to watch."


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I know Android's popularity is growing exponentially. I expected a plethora of Android tablets and smartphones to be launched this CES. But I never expected Android will become a use every-frickin-where OS so soon! Android on Headphones, seriously? Also, why is their a screen on the headphones? I must say though, the stainless steel Admiral Touch from Nox Audio are arguably the coolest headphones I've ever seen.
Nox Audio has made sure that the headphones can boast of all the features that you can think of. They support Bluetooth and custom 2.4 GHz Wireless playback, noise-cancellation and 7.1 surround sound. They can actually connect to both frequencies in parallel and let you choose the source as required. As I told you already, the headphones run Android OS. They have a 2.4″ touch display that is recognizes gestures for controlling the audio playback and allows changing the mode of the headset. One of the most unique feature of the headphones is auto-adjustment of equalizer and volume when you hang them on your neck. This allows you to continue listening to music at a similar volume to when you had them on your ears. Interesting indeed.
The sad part is, Engadget had a chance to look at the preview and they weren't really impressed. Nox Audio says they will fix the audio and other issues before the actual release which is sometime in the end of this year. But if you are looking for some serious audiophile gear, I'd suggest you to look elsewhere. In fact, unless you are looking for some novelty gizmo more than a good pair of headphones, I wouldn't recommend these to you.
Oh btw, if you think that a lot of headphones in the coming year will run Android, I strongly disagree. It's just plain unnecessary.
[via Engadget]
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[…] 10. Admiral Touch from Nox Audio […]
If you've ever spent considerable time on a Windows computer, chances are you've played Minesweeper. Along with Solitaire it was...


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This is exactly what you have been waiting for! A Perfectly located Pickering Townhouse with low condo fees available for January 1, 2014. It's time to move! It's time to invest!
3+1 bedrooms plus 3 washroom 3 storey townhouse with private fenced in backyard, 2nd floor balcony with Gas hook up for a BBQ, a gas fireplace, spacious bedrooms, private laundry all in a fabulous Pickering neighbourhood.
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Leif Vollebekk, Don't Go To Klavsvik (video)
Canadian Leif Vollebekk has not made it into the Australian scene yet but he has been making a dent in the Canadian and European scene. Leif sings in French and English with a voice that is rich and passionate, you're sure to enjoy it where ever you are from. The first time we heard him it felt like we were listening to Jeff Buckley's little brother who was into Devendra Banhart and Damien Rice. The sensitive type without being too depressive.
Signed to Nevado Records, an alternative pop, folk label, Leif fits in well with his colleagues. His music is warm with rich instrumentation. The music takes its time, gives you time to reflect but is sparse enough to let his vocals to come to the forefront. "Don't go to Klavsvik' in particular features strings, piano and harmonica. So this is no simple song. The combination is lush and you can't help but want more.
Leif is currently on tour but no Australia dates as yet. Really looking forward to more releases over the year. He is currently recording his next album with Howard Bilerman (Arcade Fire, Godspeed).


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Give your pantry a once-over and rid it of unhealthy choices, then fill it with smarter picks. Here, our top tips.
Find yourself in spring-cleaning mode? Want to tidy up your food intake? No matter what you may have heard, a detox diet is not the way to do it. Your liver and kidneys are already designed to eliminate toxins (Self Cleaning: Our Bodies Are Meant For It). Doing a detoxification cleanse can make you sick with cramping and nausea, and even upset your metabolism with an imbalance of electrolytes or renal dysfunction.
This spring, we recommend you skip Beyoncé's lemon juice, maple syrup and cayenne pepper diet, Anne Hathaway's juicing or Madonna's colonic (also known as a good, old-fashioned enema).
In fact, we think a much better way to detox is to clean your cupboards and purify your pantry!
For tips, we turned to Dr. Yoni Freedhoff, medical director of Ottawa's Bariatric Medical Institute and author of The Diet Fix: Why Diets Fail and How to Make Yours Work.
Up next: Toss the trans fat
Copyright 2018 ZoomerMedia Limited


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NYPD, FDNY Retirees Charged In 9/11 Disability Fraud
Four main defendants in the alleged scheme — which started as far back as January 1988 — collaborated to help hundreds of applicants falsely claim disabilities so they could collect Social Security Disability Insurance payments. Of the remaining 102 defendants, 72 are NYPD retirees, eight...
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Well…I'm sorry about the long wait. I've been having writers block plus I've been busy with school work as well. Thanks fore the awesome reviews!!!
Sharpay was currently walking up to her apartment after Troy drove her back. She walked into the lobby and smiled at the Tony, the guy working at the front desk that day, and walked over to the elevator. She pushed the up button and waited patiently for it to come to her floor. She looked around the lobby and grimaced. It was disgusting. It was dirty and had holes in the wall. She turned around when the elevator beeped and the doors opened. She stepped inside and pushed the 5 button and the close doors one. She shuffled her feet and looked at her reflection in the shiny doors. She looked like a wreck. She had dirt smudged on her cheek and her clothes were dirty and torn. Her hair was messy and a bit greasy looking. She closed her eyes and leaned against the wall. A few minutes later the elevator beeped and the doors opened.
She stepped out of it and made her way down the hallway until she made it to her room. She pulled her key out of her pocket and slid it in the doorknob slowly. After opening the door, she heard someone call her name from behind her. She turned around and greeted Mattie, someone who lived across from her, with a smile. "Hey Mattie." She said and hugged him when he opened his arms to her.
Mattie was a 25 year old medical student attending U of A. He had short blonde hair and gorgeous green eyes. He was 6'1 and was living in the apartment simply because it was the cheapest one around that was close to his campus. Sharpay had looked up to him as a brother. He was her only friend and would help her out whenever she needed it. He offered to have her live with him to help her out but she denied him, saying she couldn't let him do that to her.
He pulled away from her and smiled. "How are you kiddo?" he asked, draping his arm around her shoulders. She smiled and leaned into his side.
"I've been better." She sighed. He looked down at her questioningly and she looked up at him and smiled slightly. "I'm sure you heard what happened?" she asked, and he simply nodded his head sadly.
"I didn't want to say anything." He pulled her in for a warm embrace. She wrapped her arms around him and silently cried into his chest. He rubbed her back and whispered comforting words to her. "It'll be ok Payday."
After a few minutes of crying, she pulled away and wiped her eyes. "Thanks Mattie." She sniffled and pulled out a tissue from her bag. She blew her nose and shoved the used tissue in her jeans pocket. "I think I'm going to go shower now. I have work in a few hours." She turned around to go into her room but was stopped.
Mattie grabbed her arm and turned her around. "You're still going to go to work after what happened?" he asked incredulously.
"Yeah. I have to. I need to pay for this apartment somehow." She answered and pulled her arm out of his grasp. "I'll see you tomorrow?" she asked after opening her door and leaning against the doorframe.
He shook his head and she scrunched her eyebrows together questioningly. "I'm walking you to work tonight. There is no way in hell I'm going to let you do that alone." He responded and smiled at her before walking into his apartment and shutting the door before she had a chance to respond. She just smiled and walked into her own room, thinking how lucky she was to have him.
Sharpay was standing at the front counter at the movie theater. The movies were in progress so she had nothing to do. She grabbed her bag and pulled out a magazine and started flipping through the pages. She looked at the clock and noticed she only had 10 minutes left in her shift. She sighed in relief and started fixing things up around the counter. She made sure there was a batch of popcorn being made and everything was filled up. By this time, it was one in the morning and she was dead tired. All she wanted to do was roll into bed and sleep. She finished up everything she was supposed to do before clocking out, but not before picking up her paycheck. She put on her jacket and started walking back to her apartment a few blocks away. As she was walking, she opened up her pay and groaned when she realized it wouldn't be enough to pay the rent for that week which meant she had to ask Mattie for some money. She sighed loudly and put it in her bag and kept walking.
As she was walking, she didn't notice someone following her. The person crept up behind her and put their hand over her mouth and dragged her into the nearest alley. They pushed her up against the wall and punched her. "I heard you went to the police." The person hissed, giving her a punch to the stomach. She groaned in response and tried to fight back but he was too strong. The person punched her a few more times before kicking her down to the ground. "Keep your mouth shut or you'll be sorry for opening it." He spat, and literally spit on her. He turned away and quickly ran away from the alley.
Sharpay groaned and tried to sit up. She stood up after using the wall for support and took a few deep breaths. She was in a lot of pain and could barely walk. She saw a pay phone and slowly walked over to it. She pulled out fifty cents and put it in before dialing the number of her lawyer, Troy. He had given her his cell number just incase anything happened.
After talking, well trying to with all the crying that she was doing, she hung up the phone and leaned against the wall, waiting for him to come like he said he would. She pulled her legs up against her chest and leaned her head on her knees, silently crying. She just wanted to go home but she was scared to move from her spot. She screamed when someone had put their arm around her. She looked up and stopped screaming when she saw it was Troy. She leaned into him and cried into his shoulder while he held onto her and rubbed her back comfortingly. He looked down at her and noticed her bloody face and bruising arms.
He cringed and stood up, still holding on to her. He carefully walked her over to his car. He opened the door for her and gently sat her down before walking to his side of the car and getting in. He turned the car on but didn't drive. Instead, he turned the lights on and pulled out some tissues from his glove department. He watered some with some water from his water bottle and gently turned her head to look at him and wiped the blood off gently. She winced and turned her head away from him.
"Sharpay, it's ok, I won't hurt you." He soothed and she shook her head, still not looking at him.
"It hurts." She whispered before crying again. She carefully blew her nose on a tissue that he had offered her and slipped it into her bag. She turned to look at him and nodded her head.
He leaned back over and started wiping the blood off again. He held onto her chin gently and cleaned her up. He dried her face off with another tissue and threw them onto the dashboard. "What happened Sharpay?" he asked softly.
She turned away from him and leaned her head against the window. She started crying once against and took a deep breath. "Someone came up behind me and put their hand over my mouth and dragged me into the alley." She stopped and took another shaky breathe and grabbed a tissue from the box. She wiped her eyes and started again. "He pushed me against the wall and punched me. He told me that he heard I went to the police and threatened to hurt me again if I opened my mouth again." She choked up a sob and hid her face in her hands and cried. Troy put her arm around her and just held onto her while she took her time to catch her breathe and stopped crying again. "Can you take me home please?" she whispered and looked over at him.
He shook his head and she sighed. "You're not going back to your apartment tonight. I don't want anything to happen. Who knows if this guy knows where you live. You're going to stay at my house with me until we talk to the police tomorrow and find another place for you." He explained as he started riving to his house.
She looked up at him and shook her head violently. "No. I want to go back to my apartment. I don't want to move anywhere. I wan to stay where I am now." She started breathing heavily.
"You can't Sharpay. We can't take that risk. It's what's best for you." He said softly and turned a corner.
"Where are they going to put me?" she asked frantically. She leaned her head against the window again and started taking deep breathes to calm herself down.
"I don't know, but probably social services." He answered as he pulled into his driveway. He looked over at her after turning the car off and his seatbelt.
"Do I have to?" she asked quietly, twiddling her thumbs.
He nodded and rubbed her arm comfortingly. "Unfortunately yes. You're not a legal adult yet. I don't even know how you got the apartment you have now without any parent consent." He explained and she looked at him with wide eyes.
She adverted her attention to his house. It was pretty big for someone with only a girlfriend. It was a gorgeous blue and white two story house with two bushed in the front. "Your house is gorgeous." She said and looked at it with amazement. She turned to look at him and smiled.
He shrugged his shoulder as he got out of his car. He walked over to her side and opened the car door for her. "It's not much. Just something to call home." He smiled as she stepped out of the car and shut the car door. She followed him onto the porch and waited as he opened the door and let her in first. He turned the light on and was immediately met with a dog that had jumped on her.
"Whoa." She squealed and backed up slightly. She giggled and started petting the dogs' head as it ran around her in excitement. She kneeled down and started petting the dog again, laughing as it started licking her face.
"I'm sorry. I should've told you I had a dog." He said, embarrassed. "Max, no." he commanded but the dog didn't stop.
"Oh no, it's ok." Sharpay said as she hugged the dog. "It's totally fine. He's so cute." She cooed and eventually stood up. The dog stayed by her side and she giggled.
"I guess he likes you more than he likes me." Troy muttered jokingly and she laughed. "Anyways, I'll give you a tour of the house." They walked into each room and told her what they were. Finally, they reached her bedroom. "This is the guest room, which will be yours for tonight." he said as they stepped inside the room. It had a bed, desk, decent sized closet and two windows. "Is it ok?" he asked as he noticed she was looking around the room.
"It's perfect." She sighed, remembering what it was like to have a room that big. "It's the same size of my bedroom back at my parents' house." She said without thinking. Once she realized what she said she quickly covered her mouth.
"Why are you living on your own Sharpay?" he asked softly.
She shook head quickly. "I don't want to talk about that." She whispered and sat down on the bed.
He nodded his head. "I understand." He leaned against the doorframe. "You need clothes for the night." He said and left the room for a minute. He returned with a pair of sweatpants and a t- shirt. He handed them to her and she looked confused. "My niece stays with my sometimes and she leaves some clothes behind. She's seventeen now."
Sharpay nodded her head and gladly accepted the clothes. "I'll be in my room if you need anything ok?" he asked and she nodded her head.
"Yeah. Thanks." She said and shuffled her feet.
"Good night Sharpay."
"I guess. Good night Troy." She smiled and he left the room. She sighed and quickly changed into the clothes Troy had given to her. She put her other clothes to the side of the room and laid down on the bed. She looked over the room. It was perfect to her. It wasn't too elegant but nothing too simple like her apartment room. She got out of bed and walked over to Troy's room. She knocked on the door and opened when she heard him say 'come in.'
"Is everything ok?" he asked immediately and muted the TV that he was watching.
"Everything is great." She smiled and sat down on the end of the bed. "I just wanted to come and thank you. For everything that you're doing for me. Not just for letting my stay the night but for helping me with my case." She said nervously and looked down at her hands.
"Sharpay- It's my job. You don't have to thank me."
"Yes I do. I appreciate it. You're going to be a really good father when you're older." She smiled and noticed Max lying on the bed next to Troy. "Hey boy." She cooed and started petting his head like before. Max started wagging his tail and rolled onto his back. "You want me to rub your tummy?" she asked in a baby voice and giggled. She started rubbing his tummy.
"Thank you Sharpay." Troy finally said about the father thing.
Sharpay looked up form the dog and smiled genuinely. "You're welcome." She stood up after kissing the dogs head. "I better get to sleep. I have work at 10 tomorrow. Again thanks for letting me stay tonight." She said and walked over to the door. "Good night Troy." She was about to close the door when Max jumped off the bed and ran over to her. "Can he sleep with me tonight?" she asked Troy and both her and Max looked over at him.
Troy chuckled and nodded his head. "Sure. Just leave my door open a crack incase he changes his mind." She nodded her head and closed it a crack before going into her room with Max following. She laid down on the bed and let Max cuddle up next to her. She petted his head for a minute before turning the lights off.
For me…that was a long chappy! Lol Again thanks a bunch for all the reviews! I hope you liked this chapter!
Also, Sharpay does not like Troy in that way and vice versa. She looks up to him and throughout the story you'll see a family bond between them! Nothing more! And also read the summary!


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HONG KONG (Reuters Breakingviews) - China's forex reserves have fallen below $3 trillion for the first time in nearly six years in January. The rate of contraction has slowed as China closes up its capital account, but for a country obsessed with symbolic numbers, targets, quotas and index levels, a worrying line in the sand has been crossed.
The ongoing shrinkage in China's foreign cash stash is partly due to attempts to defend another line in the sand, namely keeping the exchange rate above 7 yuan per dollar. Having intervened heavily offshore to hold this line in January, the People's Bank of China is now compelled to defend it whether it makes sense or not. In the background is a U.S. Treasury report due April in which China could be labelled a currency manipulator.
Much depends on the dollar itself. If the long-running dollar rally is nearing its peak, Beijing can relax. Losing less than $13 billion a month from foreign reserves isn't threatening; China has almost $400 billion to burn through before it closes on the critical $2.6 trillion level – roughly the minimum China would require under International Monetary Fund guidelines.
Unfortunately few economists believe the yuan is anywhere near market bottom, calling for further slides of 5 percent or more this year. Were China to leave the yuan's value entirely to market forces, it would probably result in a sharp drop. That would in turn accelerate capital flight, and invite U.S. retaliation. The absolute level of China's reserves is not yet concerning – but the direction of travel might be.
On Twitter twitter.com/petesweeneypro
Reuters Breakingviews is the world's leading source of agenda-setting financial insight. As the Reuters brand for financial commentary, we dissect the big business and economic stories as they break around the world every day. A global team of about 30 correspondents in New York, London, Hong Kong and other major cities provides expert analysis in real time.
Sign up for a free trial of our full service at https://www.breakingviews.com/trial and follow us on Twitter @Breakingviews and at www.breakingviews.com. All opinions expressed are those of the authors.