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Day 21 – The invention of television certainly changed the world. Think about communication on a mass scale. You can talk about what telly means to you. Or your favourite tv shows. Make some recommendations
I tend to watch tv more this time of year rather than in the summer months. Its cold, dark and miserable outside, so I think its best to stay indoors, keep warm and eat lots of stodgy food in front of the gogglebox!
There is nothing better than snuggling up on the sofa with the cat on my lap to watch a good boxset. I am one of these people who is completely behind when it comes to tv trends. Its more than likely I will get around to watching Breaking Bad, Girls, Game of Thrones etc in about five to ten years time! Honest to god, I only started watching Friends on E4 about five years ago! It totally slipped me by in the 90's for some reason.* I do like to keep my finger on the pulse, don't cha know!
My current tv obsession is Mad Men. Rob and I had a box set binge earlier this year. I really don't know why I was so late to join the party, as I love anything 50's & 60's Americana, plus I have owned books about advertising for years. This show was made for me! I think I resisted joining the band wagon because most of the press I read about the show seemed to be about January Jones and Christina Hendricks outfits, rather than the plot and the acting etc. A pretty frock is not enough to make me want to watch a program Im afraid. Sorry Strictly Come Dancing.
A pretty boy on the other hand will make me sit through any old tripe! Hey don't judge! It works both ways, Rob will watch anything with Zooey Deschanel or Emma Stone in. Its the only way I will get him to watch most of my film choices!
Anyway, I am getting a little off topic now, lets get back to Mad Men again. Yeah, Jon Hamm is fit, but Mad Men is a brilliant program. I love geeking out about the furniture and props to Rob, we both wish we could drink and smoke at work all day long, and Rob who freelances for a local ad agency laughs at how accurate they portray things!
I cant wait to watch series 6. In the mean time, I will be strong and try my best not to read about what is going to happen on Wikipedia!
Current faves on the box include Fresh Meat, The Vampire Diaries, Suburgatory, Big Bang Theory and Two Broke Girls. Three of which are on tonight!
*Possibly because I was always down the pub!


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NENS 2010: Nanomanufacturing Stakeholders Provide Insights into Challenges, Benefits, and Societal Impact
The New England Nanomanufacturing Summit 2010 (NENS 2010) held June 22-24 in Lowell, MA included technical discussions by scientists, experts, and industries in the field of nanomanufacturing by stakeholders from academic institutions, government, and industries in the Northeast, along with national and international participants. The event, sponsored by the National Nanomanufacturing Network and organized by the NSF Center for High-rate Nanomanufacturing (CHN) at Northeastern University, with partners University of Massachusetts Lowell and University of New Hampshire, along with the NSF Center for Hierarchical Manufacturing at the University of Massachusetts Amherst, provided topical presentations on emerging technologies, applications, and high impact, fundamental research.
The first day of the event focused on Nano Environmental Health and Safety (NanoEHS) topics including regulations of nanomaterials and consumer/worker protection challenges presented by the EPA and CDC/NIOSH respectively. The last 2 days focused on advanced process development, scaled production of nanomaterials, and applications such as energy and power, nanoelectronics, protective coatings, multiscale and ultra-high density nanopatterning, biosensors, and data storage.
The event provided key insights into challenges and potential benefits of nanotechnology and nanomanufacturing, and further engaged stakeholders and attendees in networking discussions and opportunities. Fostering such interactions enables broader understanding by all stakeholders and participants on the challenges associated with transitioning nanoscience research to commercially viable consumer products.
Regards,Jeff Morse, Managing Director, National Nanomanufacturing Network
Learn More about the
When Top-Down Meets Bottom-Up: EUV and X-ray Interference Lithography for Sub-20-nm Features
After achieving the 45-nm process [1], today's semiconductor industry is nearing the 20-nm process and looking for techniques that would enable sub-22-nm-half-pitch line patterns [2]. Following the continuous increase in exposure tool numerical aperture (NA), researchers are pursuing reductions in exposure wavelengths. This effort had them look at extreme ultraviolet (EUV: 13.4 nm in wavelength) as an exposure light source. Unlike the numerical aperture engineering, change of a light source to EUV demands development of its related components, such as photoresist and optics. Until a reliable solution for EUV lithography is developed, EUV interference lithography (EUVIL) would not solely advance the lithographic technology but would also help to optimize photoresist materials for EUV. EUVIL is capable of patterning sub-20-nm features at large scales and, unlike hexagonal sub-20-nm features demonstrated by block copolymer lithography, can create diverse geometries from line/space to hexagonal to rectangular array of dots. EUVIL and XIL are noted as some of the next generation lithography techniques that are under active development. Demonstrated applications of these techniques encompass production of catalyst arrays, nanophotonic devices, nanoimprint stamps, holographic fabricaion of Fresnel zone plates, guided self-assembly of block copolymers and colloidal particles, nanoparticle arrays, chemical patterning of self-assembled monolayers and radiation grafting of polymer nanostructures. More....
NNI Strategic Planning Stakeholder Workshop To Take Place July 13 - 14, 2010
The National Nanotechnology Initiative will hold a Strategic Planning Stakeholder Workhop on July 13 - 14, 2010, in Arlington, VA. This event is free, open to the public, and will be webcast for the benefit of those who are unable to attend. Complete Agenda and Confirmed Participants are available on the Workshop Web site. More....
New England Nano Event Addresses Environmental Health and Safety Topics
The first day of NENS 2010 focused on Environmental Health and Safety issues associated with nanotechnology, providing presentations by leaders in the field from government, academic centers, industry consortia, and nonprofit organizations. Speakers included Kristan Markey from the Environmental Protection Agency (EPA), who discussed the challenges of risk assessment and regulation of nanomaterials, and further described the EPA's approach to interacting with industry regarding emerging nanomaterials which includes a pre-manufacture notice where companies voluntarily supply the EPA with information on properties of their specific under the Toxic Substance Control Act (TSCA). Hilary Godwin from the University of California Center for Environmental Implications of Nanotechnology (UC CEIN) at UCLA discussed prevention-based approaches to managing the risks of nanomaterials. Paul Schulte of the Center for Disease Control/National Institute for Occupational Safety and Health presented a progress report on protecting the health and safety of nanomaterial workers. More....
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Upcoming Events
July 1 - 2, 2010Nanomedicine 2010
July 4 - 8, 2010 1st International Conference on Materials for Energy
July 11 - 16, 2010 Advances in Nonvolatile Memory Materials and Devices
July 13 - 15, 2010 SEMICON West 2010
July 18 - 23, 2010 Gordon Research Conference: Nanostructure Fabrication
July 21 - 23, 2010 Nanomaterials and Worker Health: Medical Surveillance, Exposure Registries, and Epidemiologic Research
View Full Calendar
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Through July 6, 2010APCOT 2010 Postdeadline submissions for papers
July 30, 20103rd Annual Nanotechnology SymposiumDeadline for abstracts
July 30, 2010Nanosafe 2010Deadline for paper and poster abstracts
August 30, 2010BIT's 1st Annual World Congress of NanomedicineDeadline for poster abstracts
Recently PublishedFrom Our Affiliates
Toxicity of Carbon Nanotubes to the Activated Sludge ProcessJournal of Hazardous Materials 178(1-3):356-362
Photooxidation of Nanopatterned Poly(chloromethylstyrene): Direct Formation of Cross linked Aldehyde-Functionalized Films for Chemical Functionalization and Bioconjugation
Macromolecular Rapid Communications 31(9):910-914
Gating of Single-Layer Graphene with Single-Stranded Deoxyribonucleic AcidsSmall 6(10):1150-1155
Water Transport through Ultrathin GrapheneJournal of Physical Chemistry Letters 1(10):1590-1594
Catalytic and Molecular Beacons for Amplified Detection of Metal Ions and Organic Molecules with High SensitivityAnalytical Chemistry 82(12):5005-5011
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subset: commoncrawl


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About Lovedubcars Ltd.
Lovedubcars Ltd was founded in 2008 by the husband and wife team of James and Rachel Calvert. The passion for weddings at Lovedubcars is supported by the fact that a married couple are responsible for running the business.
James and Rachel have worked tirelessly to add at least one new element to Lovedubcars for each year that the business has progressed. Recently, investment has been made into the construction of a brand new garage to display our captivating VW wedding cars to the public.
Couples can now come to the garage and decide whether they would like to hire one or more of our retro VW wedding campers or loveable VW wedding beetles, or as some call them, our lovedubcampers and lovedubbeetles. Each of our vintage VWs has its own personality and we can now convey that to our customers. Lovedubcars deliver wedding car hire services to all of County Durham, Teesside, parts of Tyne & Wear and parts of North Yorkshire.
There is one aspect of your special day that will not give you cause for concern when you come to Lovedubcars, and that's your wedding car hire. Relax within the comfort of one of our chauffer driven wedding cars and savour every moment of your VW wedding.
Please also visit our sister companies www.tipichic.co.uk to see our amazing giant Tipis. www.ice-cycles.co.uk is our cute vintage and slightly retro ice cream trike, perfect for a summer wedding.
The rest of our site contains further information on the VW wedding cars and services that we provide. Feel free to have a browse or else submit a query to our team.


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"Like school, only better"
Cricket Green School
Lower Green West
Mitcham, CR4 3AF
Tel: 0208 640 1177
Headteacher: Mrs Celia Dawson
Teaching & Learning
• Create assessment policies in all subjects to lead to robust tracking of pupils' progress on CASPA.
• Train Middle leaders to use data to analyse trends in their respective subjects to improve the quality.
of teaching & learning and achievement for all groups of pupils ( including pupils supported by pupil
• Increase the % of staff consistently delivering outstanding lessons to enable all pupils to achieve
outstanding progress.
• Develop the 6th form curriculum & assessment to focus on preparation for adulthood.
• Increase employment skills & therefore realistic opportunities for employment for pupils aged 14+.
• Investigate & develop the new school curriculum in line with government changes.
• Improve the Science curriculum & assessment in Key stage 3 & 4.
• Build curriculum teams to add to the consistency & quality of core teaching across all keys stages.
• Create more pathways for our SEBD pupils to engage in learning practical skills.
• Development team to improve their monitoring of assessment & planning for their subject areas.
• Improve the end of year results in Literacy & Maths for pupils in key stage 3 in line with the rest of
the school.
• Set up robust interventions for identified groups of pupils to ensure that those falling behind close
the gap.
• Explore & establish the use of a greater range of assessment tools to measure pupils' personal,
social development.
Professional development
• Train Middle Leaders in identified courses & build capacity for SLE support in the borough.
• Increase capacity for threshold teachers to mentor ITT students & coach newly qualified teachers.
• Develop career pathways & programmes for assistants wanting to teach or take greater
• Develop the quality of coaching & professional development for satisfactory teachers to move up to
Spiritual Moral & Cultural
• Focus on establishing "Rights, Respecting Schools", our UNICEF project, across all areas of school
life, aligning our policies & practice with the aims of RRS.
• Develop ELSA mentors to increase the provision for emotional well-being of targeted pupils.
• Increase the use of interventions & therapies for all pupils who need it.
• Develop "pupil voice" to enable a greater range of pupils to express opinion, convey information or
decide upon actions.
School Environment
• Establish the community use of Chapel Orchard as a theatre / arts hub.
• Explore the use of CGS, with the LA, to establish an assessment nursery on site.


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One in six babies in Alabama is born premature.
The number of babies who die before their first birthday in Alabama is higher than it has been in 10 years, and nearly double the national average.
Montgomery County's infant mortality rate is more than double the national average with a sharp increase in the past year.
One big reason for the increase - no pre-natal care - because of no access to some form of insurance to pay for it.
Another is the increasing number of women who smoke during pregnancy.
Smoking contributes to low birth weight in babies - and that is a key factor in infant mortality.
Both need to be addressed to insure more babies are born healthy.
Some mothers do all they can and babies are still born premature and your support in research to help decrease premature births helps.


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Actress. Dancer. Filmmaker.
Originally raised in Albuquerque, New Mexico, Faye Viviana's first passion was dance. At age 15, she moved to New York City to study at the Jacqueline Kennedy Onassis School at American Ballet Theatre as a full scholarship student. While she was 16, she was invited to join the American Ballet
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Guice v. Davis et al
Petitioner: Darrel Guice
Respondent: Attorney General of the State of Colorado, The and John Davis
Case Number: 1:2013cv01134
Filed: April 29, 2013
Court: Colorado District Court
Office: Denver Office
County: Chaffee
Presiding Judge: Boyd N. Boland
Nature of Suit: Habeas Corpus (General)
Cause of Action: 28:2254 Petition for Writ of Habeas Corpus (State)
Jury Demanded By: None
Available Case Documents
The following documents for this case are available for you to view or download:
|Date Filed
|Document Text
|August 15, 2013
|JUDGMENT re: 15 Order of Dismissal, by Clerk on 8/15/13. (sgrim)
|August 6, 2013
|ORDER to Supplement Pre-Answer Response, by Magistrate Judge Boyd N. Boland on 8/06/2013. (skl)
|June 4, 2013
|ORDER to File Pre-Answer Response, by Magistrate Judge Boyd N. Boland on 6/04/2013. (skl)
|May 1, 2013
|ORDER Directing Applicant to File Amended Application, by Magistrate Judge Boyd N. Boland on 5/01/2013. (skl)
Access additional case information on PACER
Use the links below to access additional information about this case on the US Court's PACER system. A subscription to PACER is required.
Access this case on the Colorado District Court's Electronic Court Filings (ECF) System
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Disclaimer: Justia Dockets & Filings provides public litigation records from the federal appellate and district courts. These filings and docket sheets should not be considered findings of fact or liability, nor do they necessarily reflect the view of Justia.


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Creator of images with a wide variety of cameras. The cheaper and more plasticly the better Avid tea drinker, author, sometimes member of the human race.
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English 10118
Paper 3
The recreational use of cannabis should remain illegal in the United States of America. Cannabis, or marijuana, is a highly dangerous and addictive drug that not only leads to physical harm, but is a drug that if legalized, would inadvertently encourage the use of drugs among teenagers and adults all across the country.
In recent years, the country has witnessed an increase in popularity in what is known as "medical" marijuana. Although it's viewed today as a medicine and something that is offered to help patients in America, the positive aura being created around the drug is something that should be considered extremely alarming. The more people become accustomed to the idea of marijuana being acceptable, the more likely it becomes that a serious push for the narcotic to become legal could happen. Legalizing marijuana for recreational purposes would be detrimental for numerous reasons.
Scientists have discovered enough about the active chemical in marijuana called delta-9-tetrahydrocannabinol, or THC, to allow us to understand that is a substance that should not be tampered with. When a person burns marijuana and starts to inhale the smoke, the THC in the plant quickly passes from their lungs into their bloodstream, which transports the chemical to the brain and other organs throughout the body. THC acts upon specific parts of your brain, called cannabinoid receptors, which then triggers a series of cell-based reactions that lead to the dangerous "high" that user will experience (www.DrugAbuse.Gov).
These receptors are found in parts of the brain that affect pleasure, memory, thinking, concentrating, sensory, coordinated movement and time perception. While a user is under the influence of marijuana, they are prone to chronic overeating and tend to show little to zero effort in any activity they attempt.
The use of marijuana can also lead to distorted perceptions, impairments, difficulty...
Cited: Page
November 2010. Drug Facts: Marijuana. November 4th, 2012. http://www.drugabuse.gov/publications/drugfacts/marijuana
Please join StudyMode to read the full document


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I have been practicing Astrology for the past 20 years and I am a deeply religious & spiritual man. I am an ardent devotee of God Shiva. With expert knowledge and command over predictive accuracy over almost every topic which is of interest and importance for an individual such as marital compatibility, progeny, profession, financial stability, love life, education & career , I am sure to solve every query of yours.
I have done detailed research and study of astrology, gemology, and Tantras. The Lal Kitab and various other ancient Indian treatises served as a fascinating cornucopia, which I explored along with an increasing clientele whom I value as friends and followers today. Astrological positions and their effect on marriages, providing Astro-consultation to solve people's problems has become the sole purpose of my life." "Can this astrological guidance change your destiny?
I firmly believe in the Indian tenets, which say that the actions of our past lives determine the present and on the whole the events in our life are predetermined by the combination of stellar positions at the time of our conception, birth and then at the time of the happening." "Can this astrological guidance Sec-7 Rohinichange the course of events.+++
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Today marks the 2 week anniversary of Emma's illness and the 1 week anniversary of her being admitted into the hospital. As the one song I remember from my childhood goes...Happy Anniversary, Happy Anniversary, Happy Anniversary, HAAAPPYY Anniversary!...Well, This is NOT the kind of Anniversary we want to "remember". It has been a snowy day. We didn't get shoveled out until this afternoon and got to Emma about 2 pm. She has had a medication change and was given Toradol in her IV for the pain. This actually has worked in bringing the pain back down to a 3 out of 10!!! The lowest in pain she has been in since this started 2 weeks ago. She is also taking Morphine in between the Torodol. She has excellent nurses who now know Emma and have mentioned to me what a great kids she is and how they just LOVE her kind of patient!! :) That's our girl! They have also come to realize that she is not a complainer and won't ask for anything unless it is DIRE! Today her lovely nurse Rebecca told her to start complaining...she said she meant if Emma needed something to ring for her don't wait! Rebecca has also had kidney problems for many years and understands what Emma is going through. It is reassuring to know that Emma is in good hands!
The weekend Doctors had not much to really say just checked on her. Her normal team in the morning will be the ones to tell us more from here and to get my questions answered. For now we wait again but waiting with a purpose is great!
Ethan and Julie came up this afternoon to see Emma. Julie was excited to show Ethan all around. It's crazy to think that my 4-year-old is able to know her way around the floor. Ethan was looking forward to seeing Emma since it has been a week since he saw her last. He was so happy and there were lots of hugs and smiles! Both kids have been great here on the floor. Emma's roommate has been recovering from her surgery yesterday and the kids are quiet as sleeping mice! No complaining or fighting...It's amazing how much they really can sense on this floor. They both know that there are sick kids and little babies here and they need their rest! We will be going to the children's play area today with them. Should be fun! They are also coloring and enjoying time with their sister! I LOVE my kids and LOVE how they love each other!
Today's visitors have been Grandpa Salt this morning and the Condron's this afternoon. It has been good for Emma to have visitors! She is feeling the LOVE~Our hearts are full of gratitude!


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LCG recognizes that the healthcare industry represents a major component of the U.S. GDP, and is an ever-evolving spectrum of innovation, growth and opportunity for companies of all sizes operating in this area. We have developed a unique position within the healthcare industry, assisting lenders, investors, and both growth stage and mature healthcare businesses achieve a successful transaction.
LCG is active in the following segments of the healthcare industry:
- Senior housing (Skilled Nursing, Assisted Living, Memory Care, Independent Living)
- General and Acute Care Hospitals and Clinics
- Specialty Clinic and Treatment Centers
- Surgical treatment and care centers
- Wellness clinics and treatment centers
- Biomedical, biotechnology, and medical technology
- Medical devices and equipment
- Rehabilitation Services
- Home Healthcare Services
- Healthcare Business Services
- Pharmaceutical development, research and services
- Rehabilitation Services
- Other Medical Facility Construction
In addition, LCG assists healthcare facility developers and operators to raise debt and equity capital for the new construction of many different types of medical and other healthcare related facilities.
For additional information about our Healthcare Services, please contact us today.


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photo: lindsayloveshermac
How much do you tip at hotels? Do you ever split the bill on a date, or should the guy always pay? How do you successfully save money if you want to avoid banks but don't want to stash all your cash under the mattress? In a chaotic market, does it make sense to dollar cost average?
Here's the thing about money: we tend to have lots of questions about it, not all of which we're comfortable discussing with family, friends or coworkers. And let's face it, sometimes the more people you can ask, the better answer you'll get.
That's where the newly redesigned Mint Answers comes in, a free question-and-answer service from Mint.com where anyone can join to ask personal finance-related questions, or answer those from other members.
The questions we've featured this week are just a few of the most popular topics discussed on Mint Answers. Click on the links to read more answers or to chime in with your response.
When staying at a hotel, who do you tip? How much?
When you stay at a hotel, who do you tip? There's housekeeping, doormen, valets, etc. Do you tip every time? And how much do you tip?
1. I bet you're going to hear a lot of opinions on this one. To get things rolling, here's a guide from About.com: Tipping in hotels
2. I usually leave $1 to $2 per night if I ask the hotel cleaning service / maids to come in and straighten up my room.
3. Depends on the hotel quality. But my range is:
– Housekeeping: $3 – $5 per night
– Doormen: $0 (simply because I don't use their services, i.e. manage my own bags, etc)
– Valets: $2 – $5 when arriving/leaving
– Bathroom Attendants: $0 (my parents taught me when I was 2 yrs old how to manage in the restroom)
More answers to this question>>
How do I successfully save money while only using cash?
I want to save money while still only using cash. I dislike using banks and don't find them honest or trustworthy. I also don't want to be one of those "under the mattress" kind of people, either. I need help finding ways to save without losing track, I suppose. How do I go about this? Is banking really the best/only option?
1. Any FDIC insured bank is as safe as it gets. Up to $100,000 is insured by the government so unless the US government fails you're safe. If you think the US government will fail, buy gold and guns.
2. Actually, the insurance limit for the FDIC is now $250,000.
As a former teller (6 years) I would suggest finding a small, local bank or credit union that you can build a relationship with. Stop in once a week with your paycheck and make withdrawals from the tellers. Tell the branch manager any complaints or (better) praises that you have. Get them to know you by face and name. You'll develop a level of trust with that local business and hopefully you'll be able to have your money more securely stored than keeping it on hand.
If you are afraid to keep your money in one place, try opening accounts with two or three banks so that you don't have all of your money in one place. Just remember that keeping your money in cash somewhere leaves it vulnerable to theft, and most insurance policies won't cover money over a certain dollar limit.
Saving money while on a date
On a guy's part, is going Dutch on a date a stingy tactic or being practical? I've dated some guys who went Dutch, but most of them paid for the entire bill. I just wanna know what guys think.
1. Significant others can be rather expensive. I usually pay for my gf for most things (sometimes she picks up the tab too)…
If you're in a big city, sign up for something like Groupon or LivingSocial… killer deals that can make going out and paying for two rather cheap!
2. Generally for a first date I'll pick up the check. If it becomes a regular thing I try to pick up the tab more often if I make significantly more money. This works out great for my girlfriend because she's currently unemployed.
3. I'm old school, so I usually pick up the tab when dining out. If I can't afford something, usually I try to avoid it.
More answers to this question>>
In a chaotic market, does it make sense to dollar cost average?
Just curious if I should keep investing in a chaotic market or sit on the sidelines until things calm down.
1. Two observations:
1) The market is always chaotic. It's not always as chaotic as 2008, but if you're in the stock market, you're going to lose and gain large amounts of money on a daily basis.
2) Dollar cost averaging never makes sense on a financial basis but may make sense for psychological reasons. Presumably you want to get into the market because you believe it will go up. If you're dollar cost averaging, that means some of the money you intend to invest is "sitting on the sidelines" even though you believe the market is going to go up.
Here's more on the topic from Larry Swedroe.
2. It depends on what you mean by dollar-cost-averaging. Some people use the term to describe what happens when you save and invest periodically over time (out of each paycheck, for example). This is sensible. Other people use the term to mean spreading out a lump sum investment over several weeks or months, as a way of avoiding a big investment all at once. In this second sense of the term, I agree with [the previous answer]. If you have the funds available, and you have determined the appropriate allocation for your investments, there is no good reason to delay the investment. The reason is that dollar-cost-averaging is no more likely to capture a bargain price than it is to capture a higher price when compared to a lum sum investment. The sooner you have your available funds fully invested in a properly allocated portfolio, the better your portfolio should perform. A final observation: too often dollar-cost-averaging is a salesman's tool. It's used to convince a reluctant prospect to accept in small doses a strategy that he couldn't be convinced to pursue in the first place.
More answers to this question>>
Do you have a money question that you feel has no black-or-white answer? Go to Mint Answers and ask away! While you're there, feel free to answer questions from other community members. Come back often, as we introduce new enhancements to this feature.


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Excel, Project, PowerPoint,
Word, Access, Publisher,
Visio, Outlook, all versions delivered in house with mobile setup.
Wendy Sprakes is a Fully Qualified Teacher who holds QTS status, is a Microsoft Master Instructor (MMI) and is Autodesk Certified. She graduated and practiced as a professional Mechanical Engineer from 1993 before qualifying as a teacher in 1999 and has and delivered quality I T Training since 2000.


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Watch Full movie: Love Actually (2003) Online Free.
arab sub
Follows the lives of eight very different couples in dealing with their love lives in various loosely and interrelated tales all set during a frantic month before Christmas in London, England.
Director: Richard Curtis
Writer: Richard Curtis
Stars: Hugh Grant, Martine McCutcheon and Liam Neeson


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The 15 most rebellious moments at Alexander Wang
Alexander Wang fall 2016
The silhouette: Boxy, but not demure. Jackets had a just-thrown-on attitude and subtle rock and roll hardware. READ MORE: The best street style at New York Fashion Week
Alexander Wang fall 2016
The bleach stain print brought a rebellious raver feel. READ MORE: No one does the '90s quite like Rihanna
Alexander Wang fall 2016
A blazer-meets-bomber hybrid emerges as the fall's coolest jacket. READ MORE: Yeezy Season 3 summarized in 9 photos


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This Zacks Rank #1 (Strong Buy) stock is an attractive investment pick given its expected earnings growth of 28.1% in fiscal 2012 and projected long-term earnings growth of 18.9%.
Third Quarter Beat
On Nov 14, Abercrombie & Fitch reported fiscal third quarter earnings of 87 cents per share, rising more than 52% year over year and significantly beating the Zacks Consensus Estimate of 59 cents. The robust quarterly performance was primarily driven by strong top-line growth along with improved margins and a lower effective tax rate.
Driven by robust sales performances in the international market, total sales advanced 9% to $1.170 billion from $1.076 billion last year. Moreover, Abercrombies quarterly revenue surpassed the Zacks Consensus Estimate of $1.115 billion.
Based on the strong quarterly performance, Abercrombie raised its earnings guidance for fiscal 2012 to between $2.85 and $3.00 per share, compared to its earlier guidance range of $2.50 to $2.75.
Earnings Estimates Climb
Over the past 30 days, the Zacks Consensus Estimate for fiscal 2012 rose 0.3% to $2.96 per share, representing year-over-year growth of 28.1%. The Zacks Consensus Estimate for fiscal 2013 advanced 0.6% to $3.58 over the same time frame, reflecting a year-over-year increase of 21.1%.
Abercrombie & Fitch currently trades at a forward P/E of 16.9x, reflecting a 15% premium to the peer group average of 14.7x. On a price-to-book basis, shares are trading on par with the peer group at 2.5x.
However, given the companys compelling fundamentals, the premium is justified and well supported by its long-term estimated EPS growth rate of 18.9%.
Shares have been steadily growing since mid-November, reflecting an upside of about 61.5%. Abercrombie & Fitch has consistently traded above its 200-day and 50-day moving average since Nov 13, 2012. Volume averages roughly 3,202K daily.
Founded in 1892 and based in New Albany, Ohio, Abercrombie & Fitch Co. operates as a specialty retailer of premium, high-quality casual apparels for men, women, and kids through a network of over 1,050 stores across the U.S., Europe, Canada, and Asia. The company operates through Abercrombie & Fitch, abercrombie kids, Hollister and Gilly Hicks across the United States and Internationally. The company reports its operating results under three segments: U.S. Stores, International Stores and Direct-to-Consumer. Abercrombie & Fitch has a market cap of $4.01 billion.
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A quick summary of the last minute of my computer class that I'm in now.
The room is quite, everybody typing away and working hard. All of a sudden from the corner of the room we hear:
"I like big butts and I cannot lie, you other brothers can't deny, when a girl walks in. . ." playing really loudly.
Apparently somebody forgot to turn their phone to silent before class and also happens to have the most embarrassing ringtone ever. The class started laughing so hard! Complete silence into Baby Got Back, gotta love it.


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The Mortal Online team has announced that the game will now feature a free to play option. Subscribers can continue their monthly plan with access to the full game and other subscriber benefits.
Premium Account Benefits (monthly subscriptions):
- Maximum for all skills is 100
- Premium accounts may use thievery skills
- Premium accounts may loot expensive objects
- Premium accounts may trade expensive objects
Read the rest of the announcement on the Mortal Online site.
Thanks, Rohn, for the tip!


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Roll Out!
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As dancers, we experience tender areas in our hips and lower backs. Learn exercises to do on your own to help eliminate this tension in the comfort of your own home. Blake McLemore teaches how to use rollers to free your myofascial tissue.


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Jim Brooks
Former drag racer, a member of the Chicagoland Dodge Boys racing team.
Page Sections
Article Index
|Original Publisher
|August 8, 2010
|The Parts Tree
|The last 18 days in the life of our club
|Jim Brooks
Last edited August 2010
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Blog Archives
Empower yourself!
A wonderful thing happened in our IT Centre today! One of our teachers,who will remain nameless, and who has labelled herself a "technophobe", taught an interesting, viby lesson on a potentially boring section of work – Parts of a Plant. Using a video she herself sourced from YouTube as the introduction to her lesson, she played it using the data projector and brought this lesson to life! In fact the whole concept of the lesson was hers and I merely supplied assistance and some technical know-how before the time. The application of the lesson was a Publisher document which had to be completed by the pupils to assess their level of understanding and listening. Very technological indeed, and what made it more special is that she taught this lesson for our principal, who has been moving from class to class observing lessons.
The secret to her success? Recently this young lady bought herself a laptop – the first one she has personally owned. Since then she has taken off and is now flying! She has totally empowered herself and has probably learnt more since taking ownership of her new laptop, than from her day to day work on her classroom computer. From school work to social networking to designing party invitations, this new acquisition has opened a new world for her and the proverbial "bug" has bitten! Kudos to you, my friend – may you spend many happy hours creating more stunning lessons on your new baby – this is only the beginning!
Image: Ambro / FreeDigitalPhotos.net


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Preparing For A Disaster
Preparing For A Disaster
Stacey Bonner, Family Services Coordinator, met with Christy DeBusk, Education and Partnership Program Manager at American Red Cross, about what you and your family can do to be prepared for any type of emergency.
View American Red Cross Plan and Prepare Site ?
Begin TranscriptStacey Bonner: Welcome to this edition of the Vanderbilt University Health and Wellness Wellcast. I am Stacey Bonner with the Child and Family Center.
Families can cope with disaster by preparing in advance and working together as a team. Christy DeBusk, education and partnership program manager at the American Red Cross has joined me to discuss what you and your family can do to be prepared for any type of emergency. Christy, why is it important to be prepared for an emergency?
Christy DeBusk: Well, there are several different types of emergencies and like you have mentioned also disasters.
Stacey Bonner: Um-hum.
Christy DeBusk: So, our main goal here at the American Red Cross is to make sure that you and your family and also the community is personally prepared for any types of events. The number one disaster that everybody faces across the country is home fires.
Stacey Bonner: Oh! Um-hum.
Christy DeBusk: So, having a kit, it would be great, but having that preparedness plan is even more crucial.
Stacey Bonner: What should be in a plan for a home fire? How should you prepare yourself from a home fire?
Christy DeBusk: Okay, for a home fire you need to have at least a designated area outside the home where everybody is going to meet, also have relatives, a phone call or phone tree, something where kids and neighbors can be able to contact one another as well. Other information, what can be the step for being personally prepared specific to fires can be located on our redcross.org website under preparedness, and they will actually have one in detail about fire.
Stacey Bonner: And I have heard before with preparing for a fire just like kids do in school, do you practice it once a month or how often should you practice in case there was a fire?
Christy DeBusk: We tend to tell people to practice all types of personal preparedness safety goal or their plan to check their kits when the times change or when they actually check their batteries for their smoke alarm, just go through the whole plan.
Stacey Bonner: We kind of mentioned disaster kits as well. What is a disaster kit and what should you have in it?
Christy DeBusk: There are several types of disaster kits out there. If you want one more generic, you can go and purchase one from lot of different companies pre-made. You don't have to worry about it. It's got it all preset. You can have individual personal disaster kits that you make. You can have car disaster kit. You can have a home disaster kit. Also, a pet kit, sometimes you forget about pets.
Stacey Bonner: Um-hum.
Christy DeBusk: And then you can have your children actually make their own as well.
Stacey Bonner: Is there anything specifically that should be in there?
Christy DeBusk: Yeah, there is a laundry list of things that each person should have, but basically, there are two types of kits. There is the 72-hour kit that's an evacuation. You got to take your family and go, and that kit has basically the same amount of documents and things like that needed but more for a 3-day period. And then you have an official home kit so you have to shelter in place or things like that, that's going to have more drawn out versions of that 72-hour kit. And the most thing that people forget is water. It's a gallon per person per day. So, you are talking about 3 gallons if you have a family of three per day and then also a gallon for your pets as well, per pet. There is a lot of water just to think about. So, having that stocked and ready to go, not necessarily, you know, 18 gallons in a car.
Stacey Bonner: Right.
Christy DeBusk: But just something ready to pick up and go. Also, people forget that not only batteries and flashlights and a weather radio, but it is good to have a cell phone with chargers and especially emergency contact information. What we talk about is having a plan outside of that designated spot.
Stacey Bonner: Um-hum.
Christy DeBusk: So, if I have a family member that lives in Colorado, they are a part of my plan. So, all the resources and documents and birth certificates things like that I've scanned in or I've sent them physical copies, so they can have hard copies as well if something happens to our computer or things like that. You can also email it to yourself. All of your documents even your planned contact information and you can access that whenever needed.
Stacey Bonner: Anywhere.
Christy DeBusk: There is a lot of technology and especially providing those kinds of resources and tools during a disaster, you might think, oh my goodness, my house burned down, there went all my documents, but they are actually saved in somewhere in your e-mail or actually a family member in another state could have that to make sure that you share your plans together, but also it engages your whole family. So, no matter where they are, you can talk about having discussions, okay no matter mother lives in Florida and I am in Tennessee and maybe my uncle is in Maine, but we can all have that kind of conversation together and have a family plan.
Stacey Bonner: You talked about some of the things that should go in a kit, I know you talked about the water and batteries and stuff like that. Now, how often should you check those things? Is it same thing with the battery change in the battery in the smoke detector?
Christy DeBusk: You got it. Normally, it's one Sunday that they do the daylight saving times. So, we just say take that Sunday and just prepare your family, your home, or everything. That means driving evacuation route if you live in areas that might have hurricane evacuations or maybe driving your potential route from school to work or things like that because disasters happen anytime.
Stacey Bonner: Right.
Christy DeBusk: So, you got to have a plan, what if I am at work and my kids are at school or what if they are at home and things like that. So, make sure that you have thought of every type of area possible. And if you think you forgot something, like I said, redcross.org under preparedness, we have link specifically to how to prepare your home, your family, your community, your business, and I do believe your school as well. So, there is a lot of options if you think you forgot something, we have plenty of checklist.
Stacey Bonner: You mentioned a lot of different things that's on the American Red Cross website. Can you give us the material that's on there that we can get and also the website?
Christy DeBusk: Every type of disaster that you can think of, whether it's natural or man-made, there are printouts, handouts, and videos on redcross.org. So, when you go to redcross.org, go to the bottom, it will say preparedness, and underneath there you will have prepare your home, your family, your schools, or your business. And then, it says additional resources. Under those additional resources, you can learn about biological warfare or you can learn about a lot of different things, volcanoes and landslides. It's not just what we have here in the state. And from there, I mean, it's once you click something, if you are interested specifically in house fires, it's going to name anything and everything you would ever want to know about that and where you get them locally and things like that.
Stacey Bonner: Thank you Christy.
Christy DeBusk: You are welcome.
Stacey Bonner: Thanks for listening.
-- end of recording (07:10) --
Posted 2013-08-30 06:00:15.


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This help topic describes how to turn the system's power On and Off and how to Restart the system.
Turning the system (scanner, screen and software) On and Off is done by pressing the power button on the scanner operation panel.
To turn power On
Press the power button. The power LED lights green.
To turn power Off
Press the power button. The power LED will blink and then turn off.
To restart the system
Press the power button to turn the system OFF and then press it to turn the system ON.
note:The printer device supports a separate power On/Off button. Normally this button is always left in the On position and is not pressed in connection with restarting the system.


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There's really nothing like a mother's love. One of Nigeria's leading consumer product brands is set to unveil its new product. As part of its pre-launch activities, there was a call for people to send in stories of their mothers' love. The poignant story of Elizabeth Omafuare Adjarho is told so passionately by her daughter, Lilian. We hope you're inspired by her story. Keep checking BellaNaija for more details on the unveiling of the product that tells the story of a Mother's True Love.
My name is Lilian Adjarho and this is my pure mother's love story. I am the third child in my family and I am so immensely influenced by her mother's love. This love has made me the strong, positive, patient lady I am today. My mother, Mrs. Elizabeth Omafuare Adjarho, groomed her four children to become individuals who would make a difference in society. .
In 1982, my mother was really ill but she stayed strong because of her children. Although she was frail, she never stopped caring and sacrificing for her family.
My father lost his job just as my mother started having children, and was also of ill health in the 6 years she had the four of us. A few years later, he had a stroke. His illness was a heavy financial burden on the family because he needed periodic treatments.
My mother struggled with her job as a teacher in Ughele Primary school. She added to that farming and petty trading in order to keep our family going. The stress for her was so much that her health began to fail her. She was diagnosed of kidney disease and a hole in her heart. With this, came the high blood pressure. She has been on medication for almost two decades, yet never one day has she slowed down on her sacrifices for her family. She ensured that no matter what happened, her children were never out of school. She made sure food was always on the table.
She borrowed to ensure her family was running as it should. Usually, her entire teacher salary was used to offset loans which she took. She was dragged to court several times. At a point she went into hiding because people she owed wouldn't give her a moment of peace.
She did all this to ensure that we never lacked good food and education. She did all this alone with no help from anyone. Her family members who could assist rejected her and even told her directly that she was killing herself unnecessarily.
I recall a time we went to sell things in the market and there was an open fire robbery going on in the market. She risked her life not minding if she might get hit by a stray bullet. She rushed down to the market to ensure we were fine. Someone asked her if she wanted to die for her kids. She responded that the only joy she had were her children.
This woman was ready to lay down her life just so we would be okay. I can confidently say not many women will go through what my mum went through for over 30 years. She never gave up on her sacrifices for us even for a minute!
Today, my mother though alive, bears the scars of the struggle she had for her children. Last month, I turned 26 and I promised I'd share her love story with all of Nigeria and the world. This is my pure gift to her, and a more importantly a way to inspire every mother.
I'm sharing this story of Elizabeth Omafuare Adjarho because there's indeed is nothing as pure as a mother love!
Photo Credit: itsablackthang.com
Sponsored content – Advertorial


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Knights in the NFL, Wk. III
Sep 26, 2011
By: Gregg Snyder- SOR Staff Writer
Rutgers Legend Devin McCourty (left)
SOR Staff Writer Gregg Snyder breaks down the efforts put forth by former Scarlet Knights currently making a living in the National Football League. Let's jump rght into it.
Knight of the Week
The New England Patriots may have lost a tight game, 34-31 to the Buffalo Bills, but second year cornerback Devin McCourty had yet another good game. McCourty finished with 11 total tackles, eight of which were solo, and one pass deflection. This is the second game this season that McCourty has recorded double digit tackles.
The Rest
Tennessee Titans wide receiver Kenny Britt is thought to have torn his ACL and MCL yesterday in the second quarter of a game against the Denver Broncos. He is scheduled to have an MRI on his knee today. It is believed that he will miss the remainder of the season. This is a tough blow for Rutgers fans as well as the Titans organization as Britt has become the NFL team's go-to guy, offensively. He did play and caught three passes for a total of 18 yards. Britt also lost a fumble in the game but his team was able to pull off the close victory.
Devin's twin brother, Jason McCourty, also had a nice game of his own. He and the Tennessee Titans got another win under their belts by topping the Denver Broncos 17-14. McCourty recorded six tackles (five solo), a pass deflection, and an interception. He was able to return the interception 22 yards.
Speaking of wins, Jeremy Zuttah started his second straight game on the Tampa Bay offensive line and the Buccaneers took home a 16-13 win over the Atlanta Falcons.
Entering this weeks home game, Oakland Raiders defensive back Joe Porter did not have any tackles on his stat sheet. That changed this week as Porter recorded five tackles in Oakland's 34-24 win over the New York Jets.
Jamaal Westerman saw action once again on defense for the Jets. He was able to record two tackles in the loss.
It did not take long for the Baltimore Ravens to jump all over the St. Louis Rams this week. The Ravens came out with an easy 37-7 win. Running back Ray Rice totaled 162 yards on just 13 touches. He had eight carries for 79 yards, including a 53 yard run, and caught five passes for 83 yards.
On the opposite sideline, St. Louis defensive lineman Gary Gibson recorded his first tackle of the season in the loss.
Gary Brackett had been listed as questionable on the Indianapolis Colts injury list this week and did indeed miss his second straight game with a shoulder injury. Defensive lineman Eric Foster was also listed as questionable with a hamstring injury. Foster however did play and in fact got the start. He recorded two tackles in the Colts 23-20 loss to the Pittsburgh Steelers.
Colts' rookie defensive back Joe Lefeged had some what of a coming out party despite the loss. Lefeged handled the kick return duties once again, returning three kicks for 75 yards, a 25 yards average. He also made an impact on defense. Playing in the Indianapolis secondary, Lefeged recorded two tackles, a pass deflection, and an interception, all career firsts. The diving interception which Lefeged ran back 25 yards to the Pittsburgh 24-yard line in the second quarter set up an Indianapolis field goal.
Courtney Greene did not start but played in a reserve role for the Jacksonville Jaguars in their 16-10 loss to the Carolina Panthers. Greene who had started the previous two games recorded one tackle.
Anthony Davis and the San Francisco 49ers pulled out a 13-8 win over the Cincinnati Bengals. Davis once again started at tackle.
Clark Harris and Brian Leonard made appearances for the Bengals. Harris continues to handle the long snapping duties for Cincinnati while Leonard contributes out of the offensive backfield. He did not get a carry this week but caught one pass for seven yards in the loss.
Kevin Haslam (Jaguars) is on injured reserve while George Johnson (Buccaneers), Howard Barbieri (Texans), and Kevin Brock (Raiders) continue to be used on practice squads.


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I am attracted to the homebuilders, and particularly to CalAtlantic. Our thesis is that a shortage of developed building lots will lead to a shortage of new homes, to higher prices for new homes, and consequently to a particularly sharp increase in the profits and cash flows of the large homebuilders.
A common scenario on Wall Street is that (1) housing completions (single-family plus multi-family) will increase at a 9-12% CAGR from about 1,075,000 units this year to a more level of 1,500,000 over the next 3-4 years and (2) the large public homebuilders will grow somewhat faster than 9-12% per year as they gain some market share from small public builders and from private builders. If this scenario proves correct, I believe that the shares of the homebuilders will appreciate at a good rate over the next several years.
However, I am more excited about a second scenario, which I believe is likely to occur. Some background is useful. In the past, most homebuilders continually re-invested the bulk of their cash flows into purchasing additional land that they would build on in the future. Thus, the homebuilders generated relatively little cash to return to their shareholders – and, for this reason, the homebuilders have sold at low PE ratios. One homebuilder has been the exception to this strategy. NVR typically purchases most of its lots close to the time when it builds homes on the lots. Because of this "asset light" strategy, NVR has generated large free cash flows, which the company has heavily used to repurchase shares. Between 2013 and 2015, NVR's diluted share count declined at a 6.5% CAGR. Apparently, as a result of its asset light strategy and its aggressive repurchases of its shares, during the 2013-2015 period, NVR's shares traded at an average PE ratio of 16.8 X.
Seemingly, other homebuilders have taken notice of NVR's success and are adopting asset lighter strategies. I say "lighter" rather than "light" because NVR builds houses in parts of the U.S. where it is able to purchase land that already has been developed by independent land developers. Most of the other large homebuilders operate in parts of the country where it is more difficult to purchase developed lots or to purchase land via options. None-the-less, by emphasizing free cash flows over growth, by slowing the purchases of land, and by accepting lower gross margins on optioned land, the large homebuilders seem to be adopting the strategy of reducing their relative investments in land and of returning more cash to shareholders. For example:
* On its September 20th Q3 FY 2016 earnings call, Lennar reiterated that the company has adopted a "soft pivot land strategy over the past years, away from land-heavy acquisition". Management added that it is "now targeting high-quality A-location land acquisition with a shorter two to three-year average life" and that it has "moderated" its growth target to the 7% to 10% range. Between the end of Q3 2015 and the end of Q3 2016, the number of lots under Lennar's control declined by 6.3% from 169,801 to 159,122.
* D.R. Horton's management told me that the company expects to hold its investment in land relatively flat for the next few years, favoring options on land as opposed outright purchases. For its fiscal year that ended on September 30, Horton reduced did hold its total investment in land flat – and it reduced its owned lots by 4% while increasing the number of lots under option from 56,000 to 92,000.
* On its July call for Q2 earnings, Pulte stated that "after four years during which our investment in new land grew significantly, we plan to slow the rate of growth in our new investment in 2017 and beyond". And, under pressure from an activist investor (Elliot), management has decide to repurchase $500 million of its shares in the second half of 2016 and an additional $1 billion in 2017. Clearly, these large repurchases will restrict the company's ability to make large purchases of land.
* Then, on its Q3 call, Pulte's CEO stated: "based on our trailing 12 months of deliveries, we own approximately 5.2 years of lots, which is down from 7.7 years in 2011. Over time, I would like to see this number continue to move lower and ultimately get below 4 years, even approaching 3 years of ownership." After increasing sharply in recent years, the number of lots under Pulte's control (owned plus optioned) actually declined in Q3: from 152,253 to 145,252.
* And, on CalAtlantic's Q3 earnings call, Larry Nicholson (CEO) said that his company would like to reduce its land positon to a four year supply. Over the past year, the number of lots under CalAtlantic's control has declined by 7.3% from 75,515 to 69, 964.
On balance, the above four large homebuilders only increased the number of lots under their control by an average of only 1.6 % or the past two years at a time when the number of homes they sold increased at close to a 14% CAGR. Thus, their inventories of land, when measured in years of supply, declined materially over the past two years – and this decline is continuing.
At the same time that most of the larger homebuilders are purposely adopting asset lighter land strategies, many of the medium and smaller public homebuilders have leveraged balance sheets that restrict their ability to purchase land – and many of the small private homebuilders are finding it difficult to obtain the capital to purchase and develop land.
Our strong conclusion is that there is a high probability that the number of developed lots will be insufficient to meet the demand for new single-family houses, with the result that there will be shortages of new homes on the market. The shortages, in turn, likely will lead to pricing power and therefore to higher margins and earnings than presently projected by Wall Street. Furthermore, the higher earnings, combined with the restricted land purchases, will lead to large free cash flows that can be used to further strengthen the companies' balance sheets, to pay materially larger dividends, and to repurchase shares.
Already, there are shortages of lots and houses in some parts of the country. The following is a quote from the minutes of the September 20, 2016 joint meeting of the Federal Open Market Committee and the Governors of the Federal Reserve Bank: "The sluggishness in the housing sector appeared to have continued into the third quarter. A couple of participants pointed to limited availability of lots and a shortage of skilled labor as restraining residential construction activity in their Districts."
While we believe that all of the large homebuilders' shares are attractive, CalAtlantic currently is our favorite. CalAtlantic is the 2015 merger of equals of Standard Pacific Corp and the Ryland Group. MatlinPatterson Global Advisors (a private equity firm) had purchased control of Standard Pacific in 2008 when the company needed an infusion of cash. Currently, MatlinPatterson owns about 36% of CalAtlantic's outstanding shares. Our logic is that the MatlinPatterson fund holding the shares will liquidate during the next several years, incentivizing MatlinPatterson to achieve a high stock price for CalAtlantic before then. Thus, CalAtlantic's management has pressures to achieve intermediate term performance.
CalAtlantic's management told me that they are adopting a relatively asset light model and that they are interested in repurchasing shares. In the first nine months of 2016, the company repurchased about 4.3 million shares, or about 3% of the number of diluted shares outstanding on January 1. I would not be surprised if the company steps up its repurchases.
We estimate that CalAtlantic will earn about $3.50 per share in 2016, $4.00 per share in 2017, and $5.00-5.50 in 2018. Reasons for the large EPS increases include: (1) mid single-digit annual increases in the company's community count, (2) general increases in the demand for houses, (3) price increases modestly in excess of cost increases, (4) leverage over fixed costs, (5) synergies stemming from the 2015 merger, and (6) share repurchases.
On September 30, CalAtlantic's tangible book value per share was $26 (assumes conversion of the 1.635% debentures convertible at $31.40 and the 1.25% debentures convertible at $40.22). Based on the above earnings estimates and allowing for some slight dilution from the repurchase of shares, we estimate that CalAtlantic's tangible book value will increase to around $33 in mid-2018 (the company currently does not pay a dividend). To the extent that a company's book value mitigates risk, CalAtlantic's risk-to-reward ratio seems compelling.
I note that some investors are concerned that increasing interest rates will dampen the demand for new houses. However, people need to live somewhere – and, of importance, during the 20-year period 1980-1999, thirty-year mortgage rates averaged about 10.4% and yet housing completions averaged 1.43 million per year a time when the population of the U.S. averaged about 250 million. Adjusted to the current U.S. population of 320 million, the 1.43 million average annual completions during the 1980-1999 period are equivalent to 1.83 million today. Thus, over the intermediate term, we are not concerned that increasing interest rates will prevent housing starts from returning to a normal level of 1.5 million.
A shortage of developed building lots will lead to a shortage of new homes, to higher prices for new homes, and consequently to a particularly sharp increase in the profits and cash flows of the large homebuilders.
Thanks for the interesting write-up. We have been spending some time on the homebuilding space recently and were attracted to TOL and CAA initially because of near book valuations and the share repurchase programs. I see that you had previously written up TOL. Any updated thoughts on that name would be much appreciated. Current results seem to be very good but I worry that we are in the latter innings of the high end recovery. Exposure to some of the urban markets like NYC is also a concern but may be more than priced in here. Thank you in advance.
|Risk to the option model of other builders
I think you are overstating the ease of executing an options model like NVR. The homebuilders broadly have for years said they admire the asset-lite option model of NVR and want to move in that direction, yet it remains a very small part of their portfolio. It only works if you have a dominant market position in a given territory and therefore have scale/lower costs and can pay more for the land (after all, you will be paying more if you option it). If you have no cost advantage then you won't be competitive. If you look at NVR's G&A, it is 50% lower as a % of sales than the other builders.
Not saying you are wrong in your assessment they will be banking less land and perhaps that leads to lot shortages but I don't see them meaningfully moving toward options today anymore than they have in the past.


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Annie called me up on Friday afternoon to say that her and James had ended up staying longer then they expected and they had decided to get their engagement pictures done the next day. I of course jumped at the opportunity to take them! All in all it was a very fun, cold and at times funny experience!!!
And of course I had to get pictures of all the lovely people who came along for the fun!!
Friday, March 25, 2011
4 comments:
- jodie said...
Love the pics!!
- March 25, 2011 at 2:49 PM
- delorogardener said...
These are so beautiful as you well know cause I've oohed and aahed over them before but just had to leave a comment to tell you again. You did a fantastic job!!!
- March 25, 2011 at 4:05 PM
- Gmadorfy said...
You are sooo talented. I think your photoghrphy career could take off. G'ma
- March 26, 2011 at 10:30 PM
- Sheila said...
Wow these look professional Kristie! THey are so GOOD!!!
- March 27, 2011 at 8:29 PM
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Why use a cannabis infused lip balm? Well unlike the rest of your skin, your lips don't secrete sebum. Which happens to be the natural way our bodies balance moisture on our skin's surface. If your lips are severely chapped or if you are you are looking for a way to prevent your lips from becoming chapped, then lip balm is the answer. When you put on lip balm, you need to be absolutely sure it contains the safest and most beneficial ingredients possible. The best way to make sure that your lips are going to be soft and safe is to make the lip balm yourself!
When you purchase lip balm at the store you expose yourself to harsh cancer-causing petrochemicals. Some of the more common and dangerous ingredients are: alcohol, silicon dioxide, artificial skin softeners, and other manufactured chemicals. You should avoid products that contain artificial colors and flavors at all costs. Real fruit and floral extracts are superior providers of flavor and color. Remember, purity and quality are your most important factors in choosing all health products, lip balm is no exception.
This cannabis infused lip balm will not only leave your lips feeling soft, but it will also relieve any pain you have from chapped lips. You have the ability to use 100% safe, all natural, organic ingredients. You can choose additives that you want specifically for your lips. If you have any scars, then adding something like vitamin-E oil will help to reduce those scars over time. Vitamin-E oil also reduces wrinkles keeping your lips soft. Adding some eucalyptus oil will help to fight mental fatigue and it's also antibacterial, and antiviral. Eucalyptus has been used for flu, fever sore throats as well as skin and muscle pain. Combined with marijuana this lip balm is better for you than anything you can buy at the store and will totally eliminate lip pain.
This cannabis infused lip balm recipe couldn't be easier. It uses our recipe for Coconut CannaOil, so make sure you make a batch of that first. Using this medicated lip balm daily will save you money, protect your lips, and give you peace of mind.


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Tip of the Month (December 2002)
Using Pocket PC Hardware Buttons
Pocket PCs have hardware buttons that you can use to launch your most commonly used applications. By default, these buttons launch your Calendar, Contacts, and Inbox. You might want to change these buttons to launch some other application, such as a Visual CE form or Report CE® report.
To make a button launch a specific application, just do the following:
That's it! You're done.
Note: Starting in Visual CE 10.0, these hardware buttons can alternatively be used to trigger a macro in your form.


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04/06/14 - 1:00 pm - 5:00 pm
A Benefit for Oso with a Concert and Art Auction will be held at the Heart of Anacortes Sunday, April 6th starting at 1:00 PM.
The Concert will feature Ben Starner, Lane Fernando, Fidalgo Swing, Knut Bell, Jacob Navarro and the Stilly River Band, with the line up subject to change. The Art Auction will feature known Local Artists.
The Heart of Anacortes is located at the corner of 4th and O Ave. in Anacortes. Many local businesses are sponsors of the event. There will also be a canned food and clothing drive during the event. More information to be announced.


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Dante Gabriel Rossetti
Dante Gabriel Rossetti (12 May 1828 – 9 April 1882 / London / England)
» Click to list general statistics » OR, select a date :
Alas, So Long!
AH! dear one, we were young so long,
It seemed that youth would never go,
For skies and trees were ever in song
And water in singing flow
read more >>
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- Dates that have "0" hits may not be shown on the list.
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So, with Cata well and truely upon us, I made a Worgen. She's a druid (Yes, another one!) and I'll try to level her as a tank. If that goes belly-up (like I think it will), then she'll be changed to either heals (which i love) or kitty dps (<3 kitties).
Which reminds me of how much of a hypocrite I am. I hate rogues. With a passion. That passion is hate. And not just because they're horrible to heal and can't seem to keep their aggro below the tanks', or even because they look so much nicer whilst tanking the floor. I hate playing a rogue. I can't get my head around it. But….I LOVE playing a kitty druid! CAT DURID IS 4 FITE! I love how a Cat Druid works! I love how (at low levels at least) all I have to do is spam Mangle and things die. I also know that healers hate me for that same reason. I DO NOT love tanking the floor, but it always seems to happen anyway =/
ANYWAY…..my little Worgen is going well. In the levelling zone I ran past someone called Akamaru(The name of Kiba's dog in Naruto). I lol'd. Then I remembered a convo I had with a guildie about our Worgen the day before Cata, when he had told me he was naming his Worgen Akamaru. So, naturally, I whispered him with lots of caps and excitement. His answer?
"….sorry but i don't know you….."
It was the wrong person =/ Either that or my guildie was pulling my leg (don't think he would though). Turns out he had 'ninja'd' the name (not deliberately) from my guildie. I apologised and fled the scene. I'm not sure why I still get embarrassed when I do dumb things.
Because there's no such thing as dignity on the interwebs.


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Innkeeper Barbara Gookin brings a fresh approach to The Centerboard Inn. Barbara has lived year-round on Nantucket Island for 25 years and has been very involved in the local community. She enthusiastically shares her insider info with guests. Your visit to our luxurious Nantucket bed and breakfast is sure to be everything you hope it will be!
A creative person by nature, Barbara studied fine arts in Maryland before moving to Fukushima Japan to teach english for a year. Upon her return, she attended Parson's School of Design in New York. After a ten-year career in publishing, Barbara moved to Nantucket where she took the helm as art director of Nantucket Magazine. She has provided marketing, advertising and design services for many island organizations, retailers and publishers. Most recently, Barbara became art director of Nantucket Home Magazine.
With experience as a food columnist for an island newspaper, Barbara also wrote and designed the cookbook "Harvesting Nantucket— The Taste of Bartlett's Ocean View Farm." ChefTalk.com called the book "enchanting" and awarded a rating of five out of five stars, ranked it #1 in the northeast region and #2 of all Regional & International Cookbooks. She is currently creating another book full of island history, her beautiful photography and delicious recipes. You can find Barbara online as "Nantucket Foodie" on NantucketChronicle.com, Facebook, Instagram, Twitter, TripAdvisor and Pinterest. And, if you stay with us on Nantucket, you can taste her wonderful breakfasts and tea time treats at The Centerboard Inn.


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Volume 12 - Duke Ellington
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Any C, Eb, Bb, bass instrument or voice - intermediate, advanced
Composed by Duke Ellington (1899-1974). Edited by Jamey Aebersold. Play-Along series with accompaniment CD. Jamey Aebersold Play-A-Long series. Book & CD. Published by Jamey Aebersold Jazz (JA.V12DS).
Item Number: JA.V12DS
Intermediate. Some of the most famous jazz standards in the world from rich, lush ballads to crisp and light swing tunes that every jobbing musician should know. An inspiring way to practice. A great gift for any musician wanting to learn standards, or who plays just for fun! Duke Ellington has probably single-handedly influenced more music and musicians than any other jazz legend. RHYTHM SECTION IS: Kenny Barron, Piano; Ron Carter, Bass; Ben Riley, Drums.


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Sound familiar? Tell that Beach Boy it ain't gonna happen without a little elbow grease—but that's why we're here. Who, us? Yeah. Us. Think of us as that wee French crab in The Little Mermaid. Except, instead of orchestrating your first kiss (you're on your own there!), we'll help you get yer arse off the surf instructor's couch and into the sea of possibility. Apartment style, yo. Check it.
Come to apartment appointments prepared. You know how many folks are planning on moving to Huntington Beach right this second? Us neither. But it's lots—trust us. That means you gotta be up on your game. When you meet with potential landlords, have handy copies of the following: pay stubs, driver's license (or passport if you hate fossil fuel, and therefore America), and checkbook to write out a deposit (at least $400) if necessary. Ooh, and did we mention there's usually an application fee ($40) and required renter's insurance ($200/year)? Keep your eyes peeled for specials like one month free or no deposit required with a yearlong lease.
Do your homework. Heaps of residents equate to heaps of complexes—and not all are created equal. Google has a great "reviews" component in Maps now; and Yelp! has been accruing reviews for a few years. Read up on the apartment complexes and managing companies you're interested in to narrow your search.
Find a complex with a garage. If you're a Cali native, you don't need someone to tell you that cute lil' VW Bug of yours can turn GE Convection Oven in no time, if left out in the sun. Apartment owners know this, too, and many offer garage parking at no extra cost. If they do want to charge for it, just keep hunting—there's bound to be a similar complex in the neighborhood that doesn't.
The closer you are to the beach, the more expensive it gets (No kidding, huh?). For more exact quotes, see the breakdown below.
Main St./Oceanfront As you probably gathered from the neighborhood name, Oceanfront is, quite intuitively, by the ocean. Prepare to pay $1400/month for 1BR townhomes on Beach Blvd., however one can usually find 2BR equivalents for around $1600/month in the same area. If you can pay the fee, might as well take the single, but as far as your wallet is concerned, you should consider all the possibilities having roommates can offer.
Adams is your more residential pick. There are a lot of the tract houses and condos that dot the cityscape. Single bedroom apartments will usually run you about $600-800/month, depending on how fancy the digs are. 1BR/1BA apartments fall somewhere around $1300/month. Add a bedroom (or a few hundred square feet) and it's sure to go up from there.
Fountain Valley/Newland is sometimes not considered Huntington Beach proper, but you're sure to find some 2BR/1BAs out here for under $1300/month. Single apartments and studios generally run around $700/month. (Don't fret: it's not the Palm, but those frilly trees are still on every corner.)
Reviews of Regency Palms Apartments tout the gorgeous grounds as part of the reason they decided to call this Huntington Beach apartment complex home. It's easy to love where you live, when where you live is surrounded by spacious parks.
Wait for it… wait for it… OK paddle paddle paddle!! Rockin' party wave, brah. Where will it take you? 1BR? 2? Beachside or 405-bound? Just send us a postcard—that's all we ask. Make sure you shake the sand off before you send it though, that stuff is hard to get out of the carpet!


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First ODI: Pakistan, New Zealand eye winning start
Earlier, the three match test series was drawn 1-1 whereas the two Twenty20 match series was also drawn between Pakistan and New Zealand.
It should be noted that the green shirts have lost all of their previous six ODI matches whereas the Kiwis won two out their five ODIs.
The hosts are likely to include Umar Gul in the side whereas New Zealand are expected to make two changes to the side as well. It should be noted that ace spinner Mohammad Hafeez will not be allowed to bowl after he was suspended by the International Cricket Council (ICC) over an illegal bowling action.
Hafeez will be a part of the playing XI as a batsman.


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Legal for Some, Pot Crops Up in New Jersey
For the first time in decades, marijuana is being grown legally in New Jersey. The Montclair Compassion Center, one of six medical marijuana dispensaries, began cultivating the plant a few weeks ago in a secure, undisclosed facility. Heather Haddon has details on The News Hub. Photo: Rob Bennett for The Wall Street Journal.
This transcript has been automatically generated and may not be 100% accurate.
... the the ... propping up the New Jersey ... joins us to tell us about the progress of New Jersey's medical marijuana law were finally actually getting subscribers the image in your story of course ... aam ... there is ... a five thousand square foot facility somewhere in Jersey we don't know we are ... perfectly AG is the first contractor ... credit is growing his crops that will be available for the lunar landing module is the right word here in this law was passed way back in January twenty ten ... and it's it's been a bumpy road sense though both locally Allied towns said heck no we don't want Parker and her ... Townsend also federally the a bomb and ministrations more and ... more scrutiny on the crisis ... governor Christie ultimately decide to go for it ... and that this is the first provider that is now growing I'm Arab medical marijuana in a facility in northern New Jersey they won't disclose location ... but it will be dispensed in Montclair okay now of course the shot we saw their second ago was not ... by the New Jersey not ... but ... we didn't even know whats interesting here is that ... we don't ... but it did there's really only one supplier here there there are others that it didn't set out yet so but I just I haven't started ... growing yet so there's six Apple buys that licenses of them green leaf one on clearance for so long and only once for now growing what's holding them up ... I lot of this location so what does that count on them ... to set up there ... um but there is another provider in South Jersey that is not finishing the very extensive background checks teachers usually try to be a model of a more secure ... the former this not like Colorado or California ... so they put data providers through the success of the month the background checks in on the way what are the differences by the way that with Californian cap and Colorado's has procedures in ... this is much more of medical marijuana ... model with its description base of licensed doctors who sign up to do this ... I'll describe it ... to patients that is so the listener but hundred doctors who agree to pay anticipated carry out ... the patient registries that we are an artist and so the doctors were actually prescribe ... medicine as opposed to California Colorado where it's a lot looser in terms of how you get it ... and it's not a medical doctor base model as much as nature Zynga ... um but what will be interesting ... if the economics of this so at this point were not leisure which is why he didn't mispricing Gallardo ... said um so that we should re patients are interested the states that several hundred ... aam but until we had that patient registry which only know how many can then ... be buying the so the first ... Montclair a provider is only growing a limited basis ayam ... the second one ... is much more bullish they hope to last through two thousand plants to an end and have a


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Fram PH3593A oil filters are available for purchase from a number of reputable vendors both online and at brick-and-mortar stores such as Advanced Auto Parts, AutoZone, Walmart and Amazon. Customers can look up the parts they might need at FramCatalog.com.
Fram PH3593A oil filters are widely available at auto part retail stores. They are also available for order online from vendors like Walmart and Amazon in varying quantities and prices. Average prices for Fram PH3593A oil filters at stores like Advanced Auto Parts and AutoZone, depending on the quantity, are between three and five dollars. They receive generally positive feedback and customer ratings online.
Fram is a well-established brand specializing in oil and fuel filters. The company has been in business for over 75 years. Their products are widely available and receive positive feedback from customers nationwide.


text: Just came back from a 3-day roundtrip from LA to the Grand Canyon. It would have made more sense to wait a month for the Kingman and Flagstaff Superchargers but with Quartzsite coming online, I decided it was doable with conservative driving and a little bit of topping off at RV parks. Day 1: LA -> Sedona We initially went to the Palm Springs Visitor Center with a plan to kill an hour by taking this aerial tramway up and down the mountain. Except it's not within walking distance of the charger. There was another MS charging there, though. We ended up eating at the ACE Hotel and charging at one of their 14-50s. Quartzsite: Ah, how I love Supercharging. No other MS charged while I was there and, from the stares I got from every passing car, it doesn't seem many do. Looks like I got over 122 kW here. There's also a cool rock store right by the charger. Voyager Haven RV Park in Salome, AZ: Spent a couple hours here. Really nice manager, cost was $5-10. Sedona Rouge Hotel: Spent both nights here. Nice hotel but we didn't spend much time here. They have one 14-50 that charged at about 200V 40A. They didn't reserve it for me but said it's very rarely used and no one else used it while we were there. It's in the side lot and the charge cable could probably reach 3 different spaces (in case of ICEing). Day 2: Sedona – Grand Canyon roundtrip (110 miles each way; elevation: Sedona 4500 ft, GC 7000 ft) We drove up in the morning to a couple of different viewpoints. Didn't do much else because it was really cold. After that, we picked up some food at the general store and went to Trailer Village, which is a huge RV park in Grand Canyon Village that was mostly empty. The manager didn't charge but I gave him a few bucks anyway. We spent a few hours here and left with around 180 miles rated range, headed back to Sedona. This is where it gets interesting. On our way down, it started to snow. Then it snowed more and started to accumulate, covering the lane markers. Visibility was very poor with no street lights, no other cars on the road, and the heavy snowfall. My speed was down to 5 mph and I felt like I was driving blind. Just as I was trying to figure out how much range we would lose running the heater overnight, we miraculously passed a Shell station and right next to it just happened to be a KOA. I walked over to the office but it was closed and the park was pretty much empty. I walked around examining the outlets and saw a NEMA TT-30 which I mistook for a 14-50. Brought the car around and realized my mistake, plugged into 110V and went to look for a 14-50. Found one on the other side of the park and plugged in, very relieved. A few hours later, the snow died down and a snowplow had cleared the street, so we were able to slowly drive back to Sedona. We took a detour to avoid a precarious mountain road and get to a lower elevation, so the extra juice came in handy. Day 3: Sedona -> LA Uneventful. Sedona to Quartzsite is easy because of the elevation decrease. We stopped in Palm Springs and picked up 10 rated miles but made it home with 20, so we could have done Quartzsite to LA without stopping, albeit driving really slowly. Final Stats: 1218.3 miles, 359.8 kWh, 295 Wh/mi


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The Interdependence of Business Cycles among G7 Countries
Abstract (Summary)Generally speaking, business cycle could be discussed as a short-term fluctuation of business cycle and long-term economic growth. In this research, we will confer what impact factors might have affected the business cycle of correlations (BCCs) across countries in a period of short time. Many empirical analysis have pointed out the temporary factors to the business cycle mainly come from the transferred factors of economic aspect. This is called ¡§Transmission Mechanisms.¡¨ What is ¡§Transmission Mechanisms?¡¨ Economists often try to substitute it in good markets, financial markets, and the coordination of monetary policies. However, in this duration of the empirical analysis, using only these proxy variables to explain BCCs between two countries seems too limited. According to this situation, we believe if the BCCs can be explained by using proxy factors of non-economic variable, the result can be utilized by making up the defect. We attempt to find new factors in political approach and combine with the ¡§Transmission Mechanisms¡¨ that we have introduced earlier. After that, we expect to comprehend the BCCs among G7 countries from the inputs of the two completed different variables. To analyze further economic implication in our research, five conclusions have been summarized below: Firstly, increasing bilateral trade has significantly provided positive effect to BCCs among G7 countries from 1980 to 2002. Because the empirical result of Single Country is insignificant, we then use a two-stage method. First, we estimate ¡§Trade¡¨ from endogenous variable to exogenous one. Secondly, we use Panel method to expand its matrix. Finally, we improve the empirical estimators of insignificant statistics before. In other words, the important variables of the correlation of bilateral trade are whether or not the two countries speak the same language; the border problem, and the distance between the two are the same, etc. So, when we talk about the relations between BCCs and good and service markets, we must consider these exogenous factors. Eventually, we will receive more detailed results. Secondly, although to trade in financial markets can increase the BCCs between two countries, the statistic report is insignificant -0.0019 (0.0012). About this empirical result, we can obtain reasonable explanations from the researches (for instance: Imbs, 2004 or Kose et al, 2003), they point out that financial markets are bound excessively by globalization. Therefore, this will aggravatingly make each country to focus on its specialization. Finally, this situation will make the BCCs getting collapsed among these countries. This also explains that the specialization among these countries will reduce the positive effect from the BBCs to financial markets. Thirdly, in this empirical research of Single-Country, we use three proxy estimators of economics to substitute common properties of the monetary policy. At this point, there are no identical correlations of corresponding among other countries except some significantly negative trends shown to the member countries of European Union. According to this situation, we believe it may be the consequence to all the member countries under some ERM restrictions, which is Treaty of Maastricht. Also, because of the rules form this treaty, the monetary policies are getting to be accordant, and the BCCs among the countries will soon appear in obviously positive trend. Fourthly, in the model, the difference of the inflation rate between two countries is not significant with BCCs; therefore, an identical correlation is hardly shown. Moreover, the coefficient symbol is not in our expecting direction, so we think maybe some policies are neglected to the influence of this variable. After all these, we believe if we can control some relative policy effect to inflation rate when discussing the relationship between this variable and the BCCs, we should be able to find out the real effect of this substitutive variable to BCCs Lastly, in the research, the statistics effect of the party variables and business cycle of correlations are very significant. This also indicates the political factor will play an important role for many sources of the fluctuation tread of BCCs. In other words, when we discuss the issue of BCCs if miss the contribution of political factors to the BCCs. Then, this might cause the omitted variable biased, and finally cause the whole computation become inefficient. In addition, we can have further discussion by an input of a factor: to conserve the joint benefit of all the member countries in an economic organization, these countries need to be ruled by the same ideal political party. Otherwise, the institute will never reach its essential result. Combining all the conclusions we have shown above, we can find out the BCCs among G7 countries from 1980-2002. Besides the influence of the ¡§Transmission Mechanisms,¡¨ the result will be varied by the political factors. In conclusion, we need to consider the contribution of the political party variables to the BCCs when talking about this issue, therefore; the original theoretical model can be more persuasive. According to a statistics of IMF, the BCCs among those industrial countries are falling little by little in recent years. Therefore, consolidating trade cooperation is essential for what we believe to improve the BCCs among G7. At the same time, pass through a strong integrate monetary policy can move forward all the incumbent parties from all the countries to agree among themselves, and even reach more substantial effect. From the example like this, we might find evidence from BCCs issues by discussing the integration process in European Monetary Union.
Bibliographical Information:
Advisor:Jia-Hsi Weng; Yung-Hsiang Ying; Ming-Jang Weng
School:National Sun Yat-Sen University
School Location:China - Taiwan
Source Type:Master's Thesis
Keywords:political business cycle of correlations transmission mechanism omitting variable
Date of Publication:01/31/2005


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SetOnTrade Review – SetOnTrade is not a Scam
It is not difficult to see that SetOnTrade means more than a binary options auto trading platform. This user-friendly and innovative online binary option robot not only gives traders the possibility to trade currencies against one another, but it is also able to provide the trader with profitable indicators and trading systems which are deemed necessary for profitable binary options trade. It is precisely this combination that gives SetOnTrade a huge advantage over its competitors.
- 1 Visit Top 5 Auto Trading Software!
- 2 SetOnTrade Review
- 3 How does the SetOnTrade Work
- 4 The SetOnTrade Trading Platform
- 5 Screenshot
- 6 SetOnTrade Configuration
- 7 SetOnTrade Broker
- 8 SetOnTrade is a Trusted Site!
- 9 SetOnTrade offers the trader the privilege of being in control of the robot. The trader can select the trading systems, indicator and as well as the the currency pair the robot should trade. This makes SetOnTrade unique from other fake software that can not be customized.
- 10 Review Conclusion
- 11 Related
Visit Top 5 Auto Trading Software!
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SetOnTrade Review
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