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,increased by 10.32% during 2013.A legacy approach would be to use traditional credit ratings, but such an approach has multiple problems.First, the median time since last ratings change was 815 days according to a recent study by Kamakura Corporation, so ratings are relatively insensitive to changes in the macro economy and the individual corporation’s financial condition.Second, in part because of these infrequent changes, ratings are simply less accurate than modern statistical methods, as outlined by Hilscher and Wilson.Senate found that the legacy credit ratings institutions have a conflict of interest from their “issuer pays” model.
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,A paper clip was the object used in that case, but any common object will work.First divide the participants into groups of two-to-five people.Then choose an object and have everyone write down as many ways as they can think of to use it.A prize for the group that comes up with the most uses will add some competitive incentive.However, don’t specify that the ideas have to be good or in any way judged – the prize should go strictly for quantity.This is important, because this exercise is supposed to get everyone into a creative and open state of mind.Any and all ideas should be thrown out there without fear.
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,It could be my imagination.I mean, it was for all practical purposes a joke, but .he wouldn have knowingly served up something that awful.Bugbee now takes the cake-shaped trophy away from a place just up the road where we were once served a salad at room temperature on a hot day in a cafe with no air conditioning, freshly wet with nasty, warm tap water, and a half-inch of the water-softened swill lingering in the bottom of the bowl.My prior article on YRC Worldwide’s (NASDAQ:YRCW) debt restructuring transactions focused on their large debt obligations and their extremely high interest rates (relative to other truckers) and the de minimis impact of the exchange of convertible debt to equity.
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,Learn to Skydive with AFF: Skydive Holiday organises Accelerated Freefall courses in Spain and the USA.An AFF course is a fantastic and safe way to learn to skydive.Unlike the Static Line method of instruction, where you learn techniques on the ground and then try in the air yourself, the AFF course provides air instruction.With two instructors telling you what to do, the AFF system provides a much safer way to learn skydiving – if you should lose control, your instructors can catch you and get you back in check.All AFF instructors must have completed 1,000 jumps before attending any training.
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,As well, the decline from the most recent peak is more pronounced.However, the ratio was in decline for much of the late 1990’s during the Tech Bubble and thus made it a poor standalone market timing model.(click to enlarge)I did find a better fit by de-trending the BID/SPX ratio by comparing it to its own 1 year moving average.As the chart below shows (SPX in black, left scale, de-trended BID/SPX ratio in blue, right scale), whenever the BID/SPX ratio was above its long-term moving average and then fell below its 1 year moving average, it usually marked a significant top in the stock market.(click to enlarge)In the chart, the dates of the BID/SPX ratio peaks are shown in red while the dates of the subsequent SPX peaks are shown in black.
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,Closing related fees can also be addressed beforehand and sold as part of the package.Ask you real estate agent or research what typically is done to each lot to prep it for construction and then find out the cost of doing some of this prep work as an incentive for buyers.This gives your lot the clear advantage when buyers compare it to other similar lots that do not have any of the preliminary problems paid for or solved.Graduation announcements are used both to invite people to graduation ceremonies, and to let people know that an acquaintance has graduated.Decide whether you want invitations or announcements.
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,This pushes down the bond price, which is the same thing as pushing up the interest rate.Inventories rose relentlessly in value, at least as measured in terms of the dollar.This, by the way, is a great example of how irredeemable money distorts the economy.Since the interest rate began falling in the early 1980s, companies have been finding ways to reduce inventory accumulation.The Lean manufacturing movement began to gain acceptance at this time.Lean, also known as the Toyota Way, defines inventory-such as work-in-progress sitting on a shelf-as waste.Excess inventory quickly become obsolete.Companies are not borrowing to hold inventory, but to expand production when they can make a profit above the cost of capital.
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,It works as a substitute (or partial substitute) for sour cream, butter, heavy cream, mayonnaise and more.It’s worth using low-fat version (vs.fat-free) for a richer mouth feel.I’ve recently used it in pureed vegetable gratins, smoothies, chicken salads, guacamole and cream-based soups.It gives everything a rich, creamy, lightly tangy finish.When working with melted cheese, try using a mix.I’ve written several recipes where I mix full-fat gruyere (or other strongly-flavored) cheeses with a neutral-flavored lower fat cheese like part-skim mozzarella.When they melt together you’ll get a pungent gruyere flavor with a relatively low PointsPlus value.
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,By Clinton HolmesSeriously, when I first saw AT (NYSE:T) dividend yield was above 5%, I couldn’t believe it.AT is a long-standing proven company.Looking into the future, current EPS estimates for the next four quarters still provide sufficient coverage of the $0.46 dividend.The average annual revenue growth at AT over the last decade was more than 600 bps higher than Verizon at 12.3%.Over the last year, AT was able to grow revenue by 10 bps more than Sprint, but lagged Verizon by 300 bps.First, the profit margins within the peer group are relatively stable.Both AT and Verizon have been prudent in reducing operating margin over the last two years and currently reside at 36%.
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,One antidote in dealing with that twinge of delight in seeing the cash appear in your account is to keep good accrual accounting.When a stock goes ex-dividend, book the dividend as a receivable; when paid, debit accounts receivable and credit cash.Programs like Quicken make improved accounting a breeze.We would do well this Holiday Season to set as our New Year Resolution that we shall work fiercely in the new year to get our arms around the cognitive illusions that haunt our thinking and undermine our returns.In so doing we will come to appreciate the wisdom of Charlie Munger, you haven overturned a long-held view in the past year you haven been thinking.
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,The hammer test should only be a last resort if you still have doubts in identifying a gold nugget.Once you hit a real gold nugget with a hammer, it will flatten out and not break into pieces.This will destroy its original shape and form that can lessen its selling value.Jade can be made from more than one mineral.The majority of jade comes from Burma, although some can be found in Guatemala and other areas in smaller quantities.And you may not realize it, but jade can come from more than one source.Jade made from nephrite is more common.This makes it a bit cheaper as well.Nephrite has been found on every continent around the world, include the United States of America.
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,The spirituality that is Suzdal is felt most deeply in winter.Sources:Suzdal Of The Golden Ring,by Vladimir D.Morokin, in Russian, Moscow 1995Vladimir-Suzdal Museum Reserve,by Galina Y.Lubin Pyotr S.All rights reserved.The other day I found a recipe for pecan bars, so I bought a big bag of pecans to make them.The problem was I never jotted down or even bookmarked where I found it.Although pedicures can be very beneficial to your feet, contracting an infection while getting one can be very detrimental to your health.If the pedicure tools used are not properly disinfected, most notably vessels used to soak the feet, bacteria can be allowed to build to dangerously high levels.
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,If you don know exactly how much money it takes to pay your bills and fund your life, including your financial future, then you just guessing with your goals.You may very well be like a lot of Financial Advisors who always seem to be living paycheck to paycheck.First, create a way to record every dollar you spend each month.Going back 3 to 6 months will provide an even better idea of what it actually takes to fund your lifestyle.You probably also discover quite a bit of wasted money.Complete a Financial Goals List, identifying what goals you have in the future requiring money and planning to accomplish them.
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,This is the place you find a rich husband.There are two types of dating services, pay and free singles sites.We are talking about totally free single dating services so you don’t cost a cent for using such sites.You just register your profile at free singles sites to meet a wealthy husband there.Some of these dating services allow you to search for income figure while others don’t.If you search for an income figure, then try to find the rich men who have the most income figure.Some wealthy men don’t post their real yearly income there.So, sometimes it does not mean so.If you have not found your rich husband yet and wish to find one, then online singles sites are the best solution.
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,there is demand for products made by company.If there is no demand for products then don’t create demand for shares.There might be hidden assets but converting land into hard cash takes hell of time and you might not have patience to do this.3.But if direction of this “COMPOUNDED CHAOS (NYSE:TM)” is up then it doesn’t matter if you buy dollar for 50 cent or $1.20 as long as dollar can become five dollar in 5-10 years, you will end up with profit.4.Best case scenario: I hope I get these in my career.Buy dollar for twenty cent, in 5-10 years dollar goes to ten dollar and is quoted at twenty dollar.
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,It was tedious for people to write me an email, wait for me to respond, get all the information, send me a check and wait for the merchandise.A day or two would go by before a deal was closed, and I had to deal with each and every customer and order manually.I also noticed that I would put up an item at a particular price, and it wouldn’t sell.Even if it was an extremely reasonable price.Glen managed the auction manually until 1996 .”You’d send me your bid by email, I’d write you back confirming your bid, then manually update the web page with the new price.This worked well for while, although it was a tremendous amount of work for me.
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,There is certainly lots of praise out there from actual Afrezza users, so perhaps the uptake will be strong.Partnerships also must be definitively addressed by management.The key word here is definitive.Hopefully, management will not continue to string shareholders along with vague comments regarding partnerships.The management comments on partnerships sure do remind me of AMRN.I believe a partnership is key to the success of Afrezza.If no partnership is announced with approval of Afrezza, I would be very nervous on the prospects of partnership.I am hoping to further my MNKD knowledge through this article and the comments below.
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,Ford credits the UAW and the government for helping make the investment and new job creation possible.The automaker has strong financial leverage and modest growth.On the risk side, Ford has weak fundamentals in terms of average return on invested capital and concerns of capital costs.It’s been in a holding pattern between $16 and $17.50 since July, but Black Friday may provide stimulation since the company expects sales increases.I wrote this article myself, and it expresses my own opinions.I am not receiving compensation for it (other than from Seeking Alpha).stock markets in 2014, and it created a stir because I used a simple formula rather than a crystal ball incorporating things like unemployment and quantitative easing.
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,We have heard very little about Red Kite over the past weeks but based on recent action in copper I suspect the long is sitting tight.Farmer is a brilliant trader and shorts in other commodities could hedge his long in copper.For example, if he decided to short crude oil (a more liquid commodity) against his copper long that trade is a big winner.Given the current state of affairs in commodity markets, it is likely that if Red Kite is indeed the long, that position has offset via other commodity positions creating a giant inter-commodity spread.They are also huge and dominant producers of iron ore.
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,Some of the people that I contact are fearful of putting their hard earned money into the market.They have a reasonable fear that the market could swoon 10 – 15% leaving them with a capital loss instead of a gain.So they are placing their funds in CDs and/or savings to protect them from loss.Since many ETFs, CEFs and Mutual Funds use $10,000.00 as the base investment to show returns over a set period of time, it seemed reasonable to use it as the initial amount for each investment in this test.ETF (CUSIP 464287846) that is managed by BlackRock.companies.As of 7/23/2014 it had 1269 holdings with fees or an expense ratio of 0.
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,By the normal way that Finch gets info, he ascertained that the baby is the illegitimate child of the son of a rich family and it looks like her mother died in a fire just a few days ago.But Reese saw the son kissing another man and doubts that he is the father.Finch visits the parents of the suspected mother who died in the fire.The baby was stolen away from Finch when he was taking her to her grandparents.They found out that it was the mother of the rich person, knowing that her husband had fathered the child, who killed the mother and set the fire.She paid mob hit men to take the baby overseas so her identity was never to be known.
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,Institutions like Miller Tabak, Longbow Research, Jefferies, and Wunderlich gave the stock a generous price target range starting at $92 per share and going up to $99 per share.In addition, Investor’s Business Daily, a reputable newspaper, wrote a cheering article on the drivers behind the company’s future success.I found that only contributors on Seeking Alpha held varying opinions on the stock, ranging from SELL to BUY recommendations.By the end of 2014, the company had 514 restaurants.From the total, 415 are company-owned restaurants, while only 99 have been refranchised.The company is a bottom-25% player operationally, as well:(click to enlarge)(Source: Capital IQ)Profitability invariably affects valuation and, hence, price multiples:(click to enlarge)(Source: Capital IQ)Readers can see that Red Robin Gourmet Burgers is valued lower on revenue and EBITDA multiples than the average company in the peer list.
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,In Serbia, Sweden, and Iceland, the posts are shaped like upside down triangles, orange and red, and do not have any words.In England and New Zealand they are red and white and feature the phrase “Give Way” and they’re more used than stop signs than they are in the United States.There are all sorts of potential improvements on the horizon for black box technology.Most obviously, current systems don’t record any video of cockpit activity.Airbus, for example, installs a Vision 1000 system in all of its helicopters.The Vision 1000 camera is mounted behind the pilot’s head, where it records video of the pilot’s actions and the cockpit area, as well as the view beyond the windshield, at four frames per second.
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,The wavy lines of a zebra blend in with the wavy lines of the tall grass around it.It doesn’t matter that the zebra’s stripes are black and white and the lines of the grass are yellow, brown or green, because the zebra’s main predator, the lion, is colorblind.The pattern of the camouflage is much more important than its color, when hiding from these predators.If a zebra is standing still in matching surroundings, a lion may overlook it completely.颅This benefit may help an individual zebra in some situations, but the more significant means of protection has to do with zebra herds.Zebras usually travel in large groups, in which they stay very close to one another.
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,It’s extremely rare to be completely colorblind.Most kids who are colorblind can see color.Cones are responsible for our color vision.They are sensitive to red, green and blue wavelength light.Those who see every color of the rainbow can distinguish between more than 100 hues.But colorblind kids deal with a different palette.”Colors are used as tools of communication to teach reading and math,” says Steidl.Books and worksheets come in a rainbow of colors.Counting beads, chalk, maps and other activities all include color.There’s no way that kids who can’t see the material will be able to learn it.
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,- Litter: The type of litter you use will largely depend on your rabbit and their individual habits.Some rabbit owners choose to use hay in place of any type of cat litter or even newspapers, which do absorb urine but do nothing for controlling odor.The inversion has started again in Greece government bonds.Normally, higher maturity bonds have higher interest rates because they are riskier to hold due to inflation.The 3-year bond yield (now over 10%) is now higher than the 5-year bond yield.The 5-year bond yield is higher than the 10-year bond yield.And the 10-year bond yield is higher than the 30-year bond yield.
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,The pros find a squeegee to be equally as effective but a whole lot faster.Salary negotiation should start by keeping your bottom line salary in mind.If that salary can’t be met, you need to be comfortable walking far from the salary negotiation.To succeed in any sort of salary negotiation, you need to be willing to walk away.Some work with a career coach to learn how to promote their skill higher to organizations.This will increase your perceived price and monetary standing.You sabotage your career success and financial standing by accepting a job offer you ought to really walk away from.How do you recognize when to steer away from a salary negotiation?Observe poor Steve.
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,But while the price of gold is relatively straightforward to derive and easy to understand how it is derived, determining the real value (not price) of gold is much more difficult to do.Unlike stocks, you won’t see gold paying out cash dividends, nor does the yellow metal provide any free cash flow.That means it really doesn’t make sense for us to use a dividend-discount model or a free cash flow to the firm model to derive the intrinsic worth of gold.We simply can’t.Supply and demand charts derive price, not value.Investing in gold comes down to the idea that if investors think gold can outperform other assets, it has to be driven by other investors that think the same.
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,If you’re unable to cover up completely, make sure you’re wearing a thick moisturizer, says Benabio.And spending hours in a windy environment, like on a ski slope or a motorboat, may require extra protection.You may be able to solve this problem, though, by choosing a mild cleanser (like Cetaphil’s Gentle Cleansing Bar) and washing only with your fingers, rather than with a cloth or sponge.If that’s not enough, makeup may help camouflage some of that color, as well.”To absorb oil, camouflage redness and prevent irritation, look for mineral-based cosmetics that contain powdered formulas of silica, titanium dioxide and zinc oxide,” says Berson.
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,It could be my imagination.I mean, it was for all practical purposes a joke, but .he wouldn have knowingly served up something that awful.Bugbee now takes the cake-shaped trophy away from a place just up the road where we were once served a salad at room temperature on a hot day in a cafe with no air conditioning, freshly wet with nasty, warm tap water, and a half-inch of the water-softened swill lingering in the bottom of the bowl.My prior article on YRC Worldwide’s (NASDAQ:YRCW) debt restructuring transactions focused on their large debt obligations and their extremely high interest rates (relative to other truckers) and the de minimis impact of the exchange of convertible debt to equity.
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,As well, the decline from the most recent peak is more pronounced.However, the ratio was in decline for much of the late 1990’s during the Tech Bubble and thus made it a poor standalone market timing model.(click to enlarge)I did find a better fit by de-trending the BID/SPX ratio by comparing it to its own 1 year moving average.As the chart below shows (SPX in black, left scale, de-trended BID/SPX ratio in blue, right scale), whenever the BID/SPX ratio was above its long-term moving average and then fell below its 1 year moving average, it usually marked a significant top in the stock market.(click to enlarge)In the chart, the dates of the BID/SPX ratio peaks are shown in red while the dates of the subsequent SPX peaks are shown in black.
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